Gradient Capital Advisors, LLC
- SEC CIK
- 0001727917
- Latest filing
- Jul 13, 2026
Holdings in Q4 2025
Holdings as of Dec 31, 2025, filed Feb 6, 2026. Long positions only; changes compare share counts with Q3 2025.
- Positions
- 174
- +7 vs. Q3 2025
- Portfolio value
- $388.0M
- +$14.9M (+4.0%) vs. Q3 2025
| Security | Class | Shares | Value | % of portfolio | Share change | Action | History |
|---|---|---|---|---|---|---|---|
| iShares Core S&P 500 ETF464287200 | ETF | 52,144 | $35.7M | 9.2% | −352−0.7% | Reduced | – |
| AAPLApple Inc. | Stock | 72,766 | $19.8M | 5.1% | −764−1.0% | Reduced | History |
| State Street SPDR Portfolio Developed World Ex-US ETF78463X889 | ETF | 321,999 | $14.3M | 3.7% | −12,842−3.8% | Reduced | – |
| Vanguard Scottsdale FDS92206C409 | SHRT TRM CORP BD | 171,922 | $13.7M | 3.5% | +11,838+7.4% | Added | – |
| Schwab International Equity ETF808524805 | ETF | 448,349 | $10.8M | 2.8% | −5,837−1.3% | Reduced | – |
| Dimensional ETF Trust25434V864 | SHOR DUR FIX ETF | 224,458 | $10.8M | 2.8% | +2,006+0.9% | Added | – |
| Schwab U.S. Mid-Cap ETF808524508 | ETF | 315,981 | $9.50M | 2.4% | −5,535−1.7% | Reduced | – |
| Dimensional ETF Trust25434V583 | GLOB CO PLUS ETF | 164,336 | $8.89M | 2.3% | +79,779+94.3% | Added | – |
| Dimensional U.S. Targeted Value ETF25434V609 | ETF | 140,565 | $8.37M | 2.2% | +183+0.1% | Added | – |
| Vanguard Morningstar Large-Cap ETF922908637 | ETF | 25,323 | $7.97M | 2.1% | −1,675−6.2% | Reduced | – |
| Dimensional ETF Trust25434V732 | EMERGING MKTS CO | 230,304 | $7.62M | 2.0% | +2,844+1.3% | Added | – |
| Vanguard Malvern FDS922020805 | STRM INFPROIDX | 153,383 | $7.59M | 2.0% | −1,119−0.7% | Reduced | – |
| GOOGLAlphabet Inc. | Stock | 24,108 | $7.55M | 1.9% | +1,283+5.6% | Added | History |
| JPMJPMorgan Chase & Co | Stock | 23,124 | $7.45M | 1.9% | −854−3.6% | Reduced | History |
| Schwab U.S. Large-Cap ETF808524201 | ETF | 265,860 | $7.15M | 1.8% | −13,917−5.0% | Reduced | – |
| Vanguard Ftse Developed Markets ETF921943858 | ETF | 113,158 | $7.07M | 1.8% | +5,551+5.2% | Added | – |
| MSFTMicrosoft Corp | Stock | 14,470 | $7.00M | 1.8% | −245−1.7% | Reduced | History |
| TSLATesla, Inc. | Stock | 15,231 | $6.85M | 1.8% | −889−5.5% | Reduced | History |
| Dimensional ETF Trust25434V815 | US SMALL CAP ETF | 197,631 | $6.50M | 1.7% | +17,255+9.6% | Added | – |
| NVDANVIDIA Corp | Stock | 32,614 | $6.08M | 1.6% | −1,195−3.5% | Reduced | History |
| Dimensional ETF Trust25434V724 | US MKTWIDE VALUE | 130,449 | $6.08M | 1.6% | −2,277−1.7% | Reduced | – |
| JPMorgan Ultra-Short Income ETF46641Q837 | ETF | 111,329 | $5.63M | 1.5% | −14,952−11.8% | Reduced | – |
| BRK.BBerkshire Hathaway Inc | Stock | 9,512 | $4.78M | 1.2% | +90+1.0% | Added | History |
| Dimensional ETF Trust25434V823 | US REAL ESTA ETF | 206,004 | $4.72M | 1.2% | +2,996+1.5% | Added | – |
| Dimensional World Ex U.S. Core Equity 2 ETF25434V880 | ETF | 142,641 | $4.67M | 1.2% | +1,176+0.8% | Added | – |
| iShares Tr464288646 | ISHS 1-5YR INVS | 85,794 | $4.54M | 1.2% | +2,933+3.5% | Added | – |
| Vanguard S&P 500 ETF922908363 | ETF | 7,102 | $4.45M | 1.1% | −353−4.7% | Reduced | – |
| METAMeta Platforms, Inc. | Stock | 6,691 | $4.42M | 1.1% | −55−0.8% | Reduced | History |
| Vanguard Star FDS921909768 | VG TL INTL STK F | 58,427 | $4.41M | 1.1% | −1,153−1.9% | Reduced | – |
| Vanguard Morningstar Growth ETF922908736 | ETF | 8,755 | $4.27M | 1.1% | −276−3.1% | Reduced | – |
| Vanguard Morningstar Mid-Cap ETF922908629 | ETF | 14,599 | $4.24M | 1.1% | −365−2.4% | Reduced | – |
| Dimensional ETF Trust25434V666 | US LARG VALU ETF | 123,114 | $4.21M | 1.1% | +11,601+10.4% | Added | – |
| Schwab US Dividend Equity ETF808524797 | ETF | 143,660 | $3.94M | 1.0% | −952−0.7% | Reduced | – |
| AVGOBroadcom Inc. | Stock | 11,283 | $3.91M | 1.0% | −1,015−8.3% | Reduced | History |
| Vanguard Intl Equity Index F922042676 | GLB EX US ETF | 81,424 | $3.73M | 1.0% | +2,216+2.8% | Added | – |
| GLDSPDR Gold Trust | ETF | 9,316 | $3.69M | 1.0% | −171−1.8% | Reduced | History |
| LRCXLam Research Corp | Stock | 21,357 | $3.66M | 0.9% | −578−2.6% | Reduced | History |
| Dimensional ETF Trust25434V781 | INTL SMALL CAP V | 95,579 | $3.63M | 0.9% | +2,070+2.2% | Added | – |
| Vanguard Morningstar Small-Cap ETF922908751 | ETF | 13,037 | $3.36M | 0.9% | −270−2.0% | Reduced | – |
| SPDR Series Trust78468R523 | ST STR BL 12 ETF | 28,807 | $2.86M | 0.7% | −2,329−7.5% | Reduced | – |
| Vanguard Morningstar Small-Cap Value ETF922908611 | ETF | 11,326 | $2.40M | 0.6% | −230−2.0% | Reduced | – |
| GLDMWorld Gold Trust | SPDR GLD MINIS | 27,818 | $2.37M | 0.6% | −2,402−7.9% | Reduced | History |
| AMZNAmazon Com Inc | Stock | 10,036 | $2.32M | 0.6% | −184−1.8% | Reduced | History |
| Vanguard Morningstar Value ETF922908744 | ETF | 10,993 | $2.10M | 0.5% | −132−1.2% | Reduced | – |
| American Centy ETF Tr025072802 | INTL SMCP VLU | 21,975 | $2.06M | 0.5% | −381−1.7% | Reduced | – |
| Dimensional Emerging Core Equity Market ETF25434V302 | ETF | 62,223 | $2.03M | 0.5% | −3,400−5.2% | Reduced | – |
| CSCOCisco Systems, Inc. | Stock | 24,703 | $1.90M | 0.5% | +1,382+5.9% | Added | History |
| Schwab U.S. Broad Market ETF808524102 | ETF | 69,226 | $1.82M | 0.5% | −7,088−9.3% | Reduced | – |
| WPCW. P. Carey Inc. | COM | 27,997 | $1.80M | 0.5% | −203−0.7% | Reduced | History |
| TSMTaiwan Semiconductor Manufacturing Co Ltd | ADR | 5,884 | $1.79M | 0.5% | +341+6.2% | Added | History |
| Vanguard Real Estate ETF922908553 | ETF | 19,401 | $1.72M | 0.4% | +1,742+9.9% | Added | – |
| SLViShares Silver Trust | ETF | 24,713 | $1.59M | 0.4% | −800−3.1% | Reduced | History |
| Vanguard Ftse All-World Ex-US Index Fund922042775 | ETF | 21,422 | $1.58M | 0.4% | −963−4.3% | Reduced | – |
| BNYBank of New York Mellon Corp | Stock | 13,342 | $1.55M | 0.4% | +7,381+123.8% | Added | History |
| American Centy ETF Tr025072125 | AVA MID EQU ETF | 20,107 | $1.42M | 0.4% | +4,684+30.4% | Added | – |
| CVXChevron Corp | Stock | 9,268 | $1.41M | 0.4% | −263−2.8% | Reduced | History |
| iShares Russell 2000 ETF464287655 | ETF | 5,664 | $1.39M | 0.4% | −350−5.8% | Reduced | – |
| Vanguard Morningstar Total Stock Market ETF922908769 | ETF | 4,065 | $1.36M | 0.4% | −97−2.3% | Reduced | – |
| American Centy ETF Tr025072877 | US SML CP VALU | 13,078 | $1.33M | 0.3% | −415−3.1% | Reduced | – |
| Schwab U.S. Small-Cap ETF808524607 | ETF | 45,542 | $1.30M | 0.3% | +2,277+5.3% | Added | – |
| Schwab U.S. Large-Cap Value ETF808524409 | ETF | 42,527 | $1.26M | 0.3% | −170−0.4% | Reduced | – |
| Vanguard Dividend Appreciation ETF921908844 | ETF | 5,530 | $1.22M | 0.3% | −62−1.1% | Reduced | – |
| BACBank of America Corp | Stock | 21,638 | $1.19M | 0.3% | −421−1.9% | Reduced | History |
| AMDAdvanced Micro Devices Inc | Stock | 5,453 | $1.17M | 0.3% | −2,417−30.7% | Reduced | History |
| JNJJohnson & Johnson | Stock | 5,429 | $1.12M | 0.3% | +5+0.1% | Added | History |
| QCOMQualcomm Inc | Stock | 6,535 | $1.12M | 0.3% | −1,129−14.7% | Reduced | History |
| SPDR Index Shs FDS78463X202 | ST STR EU 50 ETF | 15,979 | $1.03M | 0.3% | −2,202−12.1% | Reduced | – |
| AMGNAmgen Inc | Stock | 3,089 | $1.01M | 0.3% | +3+0.1% | Added | History |
| Dimensional U.S. Core Equity 2 ETF25434V708 | ETF | 24,803 | $982.0K | 0.3% | +273+1.1% | Added | – |
| iShares Tr46436E718 | 0-3 MTH TREASURY | 9,653 | $968.9K | 0.2% | +9,653 | New | – |
| VVisa Inc. | Stock | 2,629 | $922.1K | 0.2% | −22−0.8% | Reduced | History |
| Invesco QQQ Trust Series I46090E103 | ETF | 1,497 | $919.8K | 0.2% | −45−2.9% | Reduced | – |
| GOOGAlphabet Inc. | Stock | 2,818 | $884.4K | 0.2% | 00.0% | Unchanged | History |
| INTUIntuit Inc. | Stock | 1,326 | $878.6K | 0.2% | +614+86.2% | Added | History |
| Schwab U.S. REIT ETF808524847 | ETF | 41,777 | $872.7K | 0.2% | −238−0.6% | Reduced | – |
| iShares Ibonds Dec 2032 Term Corporate ETF46436E312 | ETF | 33,824 | $863.5K | 0.2% | +1,187+3.6% | Added | – |
| iShares Ibonds Dec 2031 Term Corporate ETF46436E486 | ETF | 40,801 | $862.9K | 0.2% | +1,413+3.6% | Added | – |
| State Street Consumer Staples Select Sector SPDR ETF81369Y308 | ETF | 11,053 | $858.6K | 0.2% | +30.0% | Added | – |
| Vanguard Short-Term Bond ETF921937827 | ETF | 10,666 | $840.6K | 0.2% | +1,411+15.2% | Added | – |
| LMTLockheed Martin Corp | Stock | 1,726 | $834.6K | 0.2% | −95−5.2% | Reduced | History |
| HDHome Depot, Inc. | Stock | 2,362 | $812.9K | 0.2% | −21−0.9% | Reduced | History |
| COSTCostco Wholesale Corp | Stock | 939 | $810.1K | 0.2% | +5+0.5% | Added | History |
| Vanguard Health Care ETF92204A504 | ETF | 2,756 | $793.2K | 0.2% | +68+2.5% | Added | – |
| Dimensional ETF Trust25434V799 | INTL CORE EQUITY | 22,962 | $791.3K | 0.2% | 00.0% | Unchanged | – |
| Vanguard High Dividend Yield Index ETF921946406 | ETF | 5,377 | $771.8K | 0.2% | +5+0.1% | Added | – |
| iShares Core S&P Small Cap ETF464287804 | ETF | 6,328 | $760.6K | 0.2% | +10.0% | Added | – |
| Vanguard Ftse Emerging Markets ETF922042858 | ETF | 13,480 | $724.7K | 0.2% | −1,814−11.9% | Reduced | – |
| Schwab US Aggregate Bond ETF808524839 | ETF | 30,184 | $705.4K | 0.2% | −950−3.1% | Reduced | – |
| BXBlackstone Inc. | COM | 4,390 | $676.7K | 0.2% | 00.0% | Unchanged | History |
| iShares Ibonds Dec 2030 Term Corporate ETF46436E726 | ETF | 29,999 | $662.1K | 0.2% | +564+1.9% | Added | – |
| iShares S&P 500 Growth ETF464287309 | ETF | 5,352 | $659.7K | 0.2% | 00.0% | Unchanged | – |
| SPYSPDR S&P 500 ETF Trust | ETF | 949 | $647.5K | 0.2% | −15−1.6% | Reduced | History |
| CATCaterpillar Inc | Stock | 1,120 | $641.5K | 0.2% | −5−0.4% | Reduced | History |
| NFLXNetflix Inc | Stock | 6,580 | $616.9K | 0.2% | −120−1.8% | ReducedConverted for a 10-for-1 split | History |
| Dimensional ETF Trust25434V203 | INTL CORE EQT MK | 15,771 | $601.0K | 0.2% | 00.0% | Unchanged | – |
| IBMInternational Business Machines Corp | Stock | 2,015 | $596.7K | 0.2% | +11+0.5% | Added | History |
| State Street SPDR Portfolio Short Term Corporate Bond ETF78464A474 | ETF | 19,425 | $586.6K | 0.2% | −498−2.5% | Reduced | – |
| iShares Core MSCI Eafe ETF46432F842 | ETF | 6,545 | $585.5K | 0.2% | +203+3.2% | Added | – |
| WFCWells Fargo & Company | Stock | 6,016 | $560.7K | 0.1% | +1,245+26.1% | Added | History |
| Schwab US Tips ETF808524870 | ETF | 20,703 | $548.4K | 0.1% | −115−0.6% | Reduced | – |
Sold out since Q3 2025 (3)
Positions held at the end of Q3 2025 that are gone from this filing.
| Security | Class | Shares in Q3 2025 | Value in Q3 2025 | % of portfolio in Q3 2025 | History |
|---|---|---|---|---|---|
| iShares Inc464286343 | US PWR INFRA ETF | 13,065 | $327.7K | 0.1% | – |
| SOSouthern Co | Stock | 2,180 | $206.6K | 0.1% | History |
| AMCAMC Entertainment Holdings, Inc. | CL A NEW | 10,004 | $29.0K | <0.1% | History |