Gradient Capital Advisors, LLC
- SEC CIK
- 0001727917
- Latest filing
- Jul 13, 2026
Holdings in Q3 2025
Holdings as of Sep 30, 2025, filed Oct 27, 2025. Long positions only; changes compare share counts with Q2 2025.
- Positions
- 167
- +5 vs. Q2 2025
- Portfolio value
- $373.1M
- +$34.6M (+10.2%) vs. Q2 2025
| Security | Class | Shares | Value | % of portfolio | Share change | Action | History |
|---|---|---|---|---|---|---|---|
| iShares Core S&P 500 ETF464287200 | ETF | 52,496 | $35.1M | 9.4% | +248+0.5% | Added | – |
| AAPLApple Inc. | Stock | 73,530 | $18.7M | 5.0% | −437−0.6% | Reduced | History |
| State Street SPDR Portfolio Developed World Ex-US ETF78463X889 | ETF | 334,841 | $14.3M | 3.8% | −1,781−0.5% | Reduced | – |
| Vanguard Scottsdale FDS92206C409 | SHRT TRM CORP BD | 160,084 | $12.8M | 3.4% | +13,744+9.4% | Added | – |
| Dimensional ETF Trust25434V864 | SHOR DUR FIX ETF | 222,452 | $10.7M | 2.9% | +18,281+9.0% | Added | – |
| Schwab International Equity ETF808524805 | ETF | 454,186 | $10.6M | 2.8% | −12,266−2.6% | Reduced | – |
| Schwab U.S. Mid-Cap ETF808524508 | ETF | 321,516 | $9.53M | 2.6% | −8,099−2.5% | Reduced | – |
| Vanguard Morningstar Large-Cap ETF922908637 | ETF | 26,998 | $8.31M | 2.2% | −4,560−14.4% | Reduced | – |
| Dimensional U.S. Targeted Value ETF25434V609 | ETF | 140,382 | $8.17M | 2.2% | +290.0% | Added | – |
| Vanguard Malvern FDS922020805 | STRM INFPROIDX | 154,502 | $7.82M | 2.1% | +14,433+10.3% | Added | – |
| MSFTMicrosoft Corp | Stock | 14,715 | $7.62M | 2.0% | +302+2.1% | Added | History |
| JPMJPMorgan Chase & Co | Stock | 23,978 | $7.56M | 2.0% | −296−1.2% | Reduced | History |
| Schwab U.S. Large-Cap ETF808524201 | ETF | 279,777 | $7.37M | 2.0% | −2,673−0.9% | Reduced | – |
| Dimensional ETF Trust25434V732 | EMERGING MKTS CO | 227,460 | $7.29M | 2.0% | −3,002−1.3% | Reduced | – |
| TSLATesla, Inc. | Stock | 16,120 | $7.17M | 1.9% | −1,627−9.2% | Reduced | History |
| Vanguard Ftse Developed Markets ETF921943858 | ETF | 107,607 | $6.45M | 1.7% | −60−0.1% | Reduced | – |
| JPMorgan Ultra-Short Income ETF46641Q837 | ETF | 126,281 | $6.41M | 1.7% | +2,681+2.2% | Added | – |
| NVDANVIDIA Corp | Stock | 33,809 | $6.31M | 1.7% | +6,099+22.0% | Added | History |
| Dimensional ETF Trust25434V724 | US MKTWIDE VALUE | 132,726 | $5.93M | 1.6% | −887−0.7% | Reduced | – |
| Dimensional ETF Trust25434V815 | US SMALL CAP ETF | 180,376 | $5.74M | 1.5% | +7,944+4.6% | Added | – |
| GOOGLAlphabet Inc. | Stock | 22,825 | $5.55M | 1.5% | +621+2.8% | Added | History |
| METAMeta Platforms, Inc. | Stock | 6,746 | $4.95M | 1.3% | +502+8.0% | Added | History |
| Dimensional ETF Trust25434V823 | US REAL ESTA ETF | 203,008 | $4.84M | 1.3% | +5,303+2.7% | Added | – |
| BRK.BBerkshire Hathaway Inc | Stock | 9,422 | $4.74M | 1.3% | +36+0.4% | Added | History |
| Dimensional ETF Trust25434V583 | GLOB CO PLUS ETF | 84,557 | $4.70M | 1.3% | +71,733+559.4% | Added | – |
| Vanguard S&P 500 ETF922908363 | ETF | 7,455 | $4.57M | 1.2% | −506−6.4% | Reduced | – |
| Dimensional World Ex U.S. Core Equity 2 ETF25434V880 | ETF | 141,465 | $4.44M | 1.2% | +7,716+5.8% | Added | – |
| Vanguard Morningstar Mid-Cap ETF922908629 | ETF | 14,964 | $4.40M | 1.2% | −156−1.0% | Reduced | – |
| iShares Tr464288646 | ISHS 1-5YR INVS | 82,861 | $4.39M | 1.2% | +10,197+14.0% | Added | – |
| Vanguard Star FDS921909768 | VG TL INTL STK F | 59,580 | $4.38M | 1.2% | −2,857−4.6% | Reduced | – |
| Vanguard Morningstar Growth ETF922908736 | ETF | 9,031 | $4.33M | 1.2% | −565−5.9% | Reduced | – |
| AVGOBroadcom Inc. | Stock | 12,298 | $4.06M | 1.1% | −406−3.2% | Reduced | History |
| Schwab US Dividend Equity ETF808524797 | ETF | 144,612 | $3.95M | 1.1% | +2,506+1.8% | Added | – |
| Vanguard Intl Equity Index F922042676 | GLB EX US ETF | 79,208 | $3.78M | 1.0% | +1,239+1.6% | Added | – |
| Dimensional ETF Trust25434V666 | US LARG VALU ETF | 111,513 | $3.67M | 1.0% | +10,721+10.6% | Added | – |
| Vanguard Morningstar Small-Cap ETF922908751 | ETF | 13,307 | $3.38M | 0.9% | −190−1.4% | Reduced | – |
| GLDSPDR Gold Trust | ETF | 9,487 | $3.37M | 0.9% | −345−3.5% | Reduced | History |
| Dimensional ETF Trust25434V781 | INTL SMALL CAP V | 93,509 | $3.34M | 0.9% | +267+0.3% | Added | – |
| SPDR Series Trust78468R523 | ST STR BL 12 ETF | 31,136 | $3.10M | 0.8% | +4,752+18.0% | Added | – |
| LRCXLam Research Corp | Stock | 21,935 | $2.94M | 0.8% | −485−2.2% | Reduced | History |
| Vanguard Morningstar Small-Cap Value ETF922908611 | ETF | 11,556 | $2.41M | 0.6% | −167−1.4% | Reduced | – |
| GLDMWorld Gold Trust | SPDR GLD MINIS | 30,220 | $2.31M | 0.6% | +217+0.7% | Added | History |
| AMZNAmazon Com Inc | Stock | 10,220 | $2.24M | 0.6% | +446+4.6% | Added | History |
| Vanguard Morningstar Value ETF922908744 | ETF | 11,125 | $2.07M | 0.6% | +62+0.6% | Added | – |
| Dimensional Emerging Core Equity Market ETF25434V302 | ETF | 65,623 | $2.07M | 0.6% | −6,120−8.5% | Reduced | – |
| American Centy ETF Tr025072802 | INTL SMCP VLU | 22,356 | $1.99M | 0.5% | −724−3.1% | Reduced | – |
| Schwab U.S. Broad Market ETF808524102 | ETF | 76,314 | $1.96M | 0.5% | −2,111−2.7% | Reduced | – |
| WPCW. P. Carey Inc. | COM | 28,200 | $1.91M | 0.5% | −352−1.2% | Reduced | History |
| Vanguard Real Estate ETF922908553 | ETF | 17,659 | $1.61M | 0.4% | +381+2.2% | Added | – |
| Vanguard Ftse All-World Ex-US Index Fund922042775 | ETF | 22,385 | $1.60M | 0.4% | +1,752+8.5% | Added | – |
| CSCOCisco Systems, Inc. | Stock | 23,321 | $1.60M | 0.4% | +483+2.1% | Added | History |
| TSMTaiwan Semiconductor Manufacturing Co Ltd | ADR | 5,543 | $1.55M | 0.4% | +149+2.8% | Added | History |
| CVXChevron Corp | Stock | 9,531 | $1.48M | 0.4% | 00.0% | Unchanged | History |
| iShares Russell 2000 ETF464287655 | ETF | 6,014 | $1.46M | 0.4% | −217−3.5% | Reduced | – |
| Vanguard Morningstar Total Stock Market ETF922908769 | ETF | 4,162 | $1.37M | 0.4% | +236+6.0% | Added | – |
| American Centy ETF Tr025072877 | US SML CP VALU | 13,493 | $1.34M | 0.4% | −650−4.6% | Reduced | – |
| QCOMQualcomm Inc | Stock | 7,664 | $1.28M | 0.3% | −164−2.1% | Reduced | History |
| AMDAdvanced Micro Devices Inc | Stock | 7,870 | $1.27M | 0.3% | −113−1.4% | Reduced | History |
| Schwab U.S. Large-Cap Value ETF808524409 | ETF | 42,697 | $1.24M | 0.3% | −460−1.1% | Reduced | – |
| Schwab U.S. Small-Cap ETF808524607 | ETF | 43,265 | $1.21M | 0.3% | −237−0.5% | Reduced | – |
| Vanguard Dividend Appreciation ETF921908844 | ETF | 5,592 | $1.21M | 0.3% | +30+0.5% | Added | – |
| BACBank of America Corp | Stock | 22,059 | $1.14M | 0.3% | −732−3.2% | Reduced | History |
| SPDR Index Shs FDS78463X202 | ST STR EU 50 ETF | 18,181 | $1.13M | 0.3% | −223−1.2% | Reduced | – |
| SLViShares Silver Trust | ETF | 25,513 | $1.08M | 0.3% | +4,248+20.0% | Added | History |
| American Centy ETF Tr025072125 | AVA MID EQU ETF | 15,423 | $1.07M | 0.3% | +3,512+29.5% | Added | – |
| JNJJohnson & Johnson | Stock | 5,424 | $1.01M | 0.3% | +50+0.9% | Added | History |
| HDHome Depot, Inc. | Stock | 2,383 | $965.7K | 0.3% | +4+0.2% | Added | History |
| Dimensional U.S. Core Equity 2 ETF25434V708 | ETF | 24,530 | $946.1K | 0.3% | −967−3.8% | Reduced | – |
| Invesco QQQ Trust Series I46090E103 | ETF | 1,542 | $925.6K | 0.2% | +445+40.6% | Added | – |
| LMTLockheed Martin Corp | Stock | 1,821 | $908.9K | 0.2% | −22−1.2% | Reduced | History |
| Schwab U.S. REIT ETF808524847 | ETF | 42,015 | $906.3K | 0.2% | −1,032−2.4% | Reduced | – |
| VVisa Inc. | Stock | 2,651 | $905.0K | 0.2% | +31+1.2% | Added | History |
| AMGNAmgen Inc | Stock | 3,086 | $870.8K | 0.2% | +30+1.0% | Added | History |
| State Street Consumer Staples Select Sector SPDR ETF81369Y308 | ETF | 11,050 | $866.0K | 0.2% | −149−1.3% | Reduced | – |
| COSTCostco Wholesale Corp | Stock | 934 | $864.6K | 0.2% | +306+48.7% | Added | History |
| iShares Ibonds Dec 2032 Term Corporate ETF46436E312 | ETF | 32,637 | $836.2K | 0.2% | +89+0.3% | Added | – |
| iShares Ibonds Dec 2031 Term Corporate ETF46436E486 | ETF | 39,388 | $835.8K | 0.2% | 00.0% | Unchanged | – |
| Vanguard Ftse Emerging Markets ETF922042858 | ETF | 15,294 | $828.6K | 0.2% | −2,476−13.9% | Reduced | – |
| NFLXNetflix Inc | Stock | 670 | $803.3K | 0.2% | +11+1.7% | Added | History |
| Vanguard High Dividend Yield Index ETF921946406 | ETF | 5,372 | $757.2K | 0.2% | −280−5.0% | Reduced | – |
| Dimensional ETF Trust25434V799 | INTL CORE EQUITY | 22,962 | $752.9K | 0.2% | 00.0% | Unchanged | – |
| iShares Core S&P Small Cap ETF464287804 | ETF | 6,327 | $751.8K | 0.2% | +20.0% | Added | – |
| BXBlackstone Inc. | COM | 4,390 | $750.0K | 0.2% | +7+0.2% | Added | History |
| Schwab US Aggregate Bond ETF808524839 | ETF | 31,134 | $730.7K | 0.2% | −2,587−7.7% | Reduced | – |
| Vanguard Short-Term Bond ETF921937827 | ETF | 9,255 | $730.3K | 0.2% | −708−7.1% | Reduced | – |
| Vanguard Health Care ETF92204A504 | ETF | 2,688 | $697.8K | 0.2% | −107−3.8% | Reduced | – |
| GOOGAlphabet Inc. | Stock | 2,818 | $686.4K | 0.2% | −21−0.7% | Reduced | History |
| iShares Ibonds Dec 2030 Term Corporate ETF46436E726 | ETF | 29,435 | $652.0K | 0.2% | 00.0% | Unchanged | – |
| BNYBank of New York Mellon Corp | Stock | 5,961 | $649.5K | 0.2% | +5,961 | New | History |
| iShares S&P 500 Growth ETF464287309 | ETF | 5,352 | $646.1K | 0.2% | 00.0% | Unchanged | – |
| SPYSPDR S&P 500 ETF Trust | ETF | 964 | $642.4K | 0.2% | 00.0% | Unchanged | History |
| Vanguard BD Index FDS92203C303 | VANGUARD ULTRA | 12,216 | $610.7K | 0.2% | −215−1.7% | Reduced | – |
| State Street SPDR Portfolio Short Term Corporate Bond ETF78464A474 | ETF | 19,923 | $603.5K | 0.2% | +109+0.6% | Added | – |
| Dimensional ETF Trust25434V203 | INTL CORE EQT MK | 15,771 | $573.3K | 0.2% | −112−0.7% | Reduced | – |
| IBMInternational Business Machines Corp | Stock | 2,004 | $565.4K | 0.2% | +56+2.9% | Added | History |
| Schwab US Tips ETF808524870 | ETF | 20,818 | $561.0K | 0.2% | −1,475−6.6% | Reduced | – |
| iShares Core MSCI Eafe ETF46432F842 | ETF | 6,342 | $553.7K | 0.1% | 00.0% | Unchanged | – |
| iShares Iboxx $ Investment Grade Corporate Bond ETF464287242 | ETF | 4,947 | $551.5K | 0.1% | −36−0.7% | Reduced | – |
| J P Morgan Exchange Traded F46641Q654 | ULTRA SHT MUNCPL | 10,767 | $549.5K | 0.1% | 00.0% | Unchanged | – |
| CATCaterpillar Inc | Stock | 1,125 | $536.6K | 0.1% | −8−0.7% | Reduced | History |
Sold out since Q2 2025 (5)
Positions held at the end of Q2 2025 that are gone from this filing.
| Security | Class | Shares in Q2 2025 | Value in Q2 2025 | % of portfolio in Q2 2025 | History |
|---|---|---|---|---|---|
| BlackRock ETF Trust II092528108 | SHOR DURA HI ETF | 34,635 | $772.7K | 0.2% | – |
| ISRGIntuitive Surgical Inc | COM NEW | 397 | $215.7K | 0.1% | History |
| J P Morgan Exchange Traded F46654Q104 | INFL MANA BD ETF | 4,152 | $200.3K | 0.1% | – |
| ATECAlphatec Holdings, Inc. | COM NEW | 15,000 | $166.5K | <0.1% | History |
| Immunoprecise Antibodies Ltd45257F200 | COM NEW | 26,808 | $28.4K | <0.1% | – |