Gradient Capital Advisors, LLC
In its 13F for Q2 2026 (holdings as of June 30, 2026, filed July 13, 2026), Gradient Capital Advisors, LLC reported 179 stock positions worth $431.8 million. Its top holding was iShares Core S&P 500 ETF (IVV) at 9.1% of the portfolio, followed by Apple (AAPL, 4.8%) and Ste STR SPDR PT DW Eu ETF (SPDW, 3.6%). Compared with Q1 2026, it opened 8 new positions, sold out of 6, added to 65 and reduced 65. The biggest buy was Alphabet Class A (GOOGL, shares +4%) and the biggest sale Microsoft (MSFT, shares −2%).
- Most Recent 13F
- Q2 2026
- Location
- SAN DIEGO, CA
- CIK
- 0001727917
- Portfolio Value
- $431.8M (Q2 2026)
- SEC Filing
- 0001727917-26-000006 ↗ filed Jul 13, 2026
Holdings Value
Holdings 179 stocks · $431.8M
| IVV iShares Core S&P 500 ETF | 9.08% | 52,370 | $39.2M | Reduce -1.0% |
| AAPL Apple Inc. | 4.76% | 71,073 | $20.6M | Reduce -0.7% |
| SPDW Ste STR SPDR PT DW Eu ETF | 3.61% | 309,462 | $15.6M | Reduce -1.8% |
| VCSH Vanguard S/T Corp. Bond ETF | 3.30% | 180,069 | $14.2M | Add +2.2% |
| DFGP Dimensional GLBL Core PL Fix | 2.96% | 234,833 | $12.8M | Add +8.2% |
| DFSD Dimensional Short Duration | 2.84% | 257,184 | $12.3M | Add +10.1% |
| SCHF Schwab Intl Equity ETF | 2.72% | 424,587 | $11.8M | Reduce -2.4% |
| SCHM Schwab US Mid Cap ETF | 2.57% | 300,477 | $11.1M | Reduce -3.0% |
| DFAT Dimensional US Target Value | 2.18% | 134,622 | $9.4M | Reduce -2.8% |
| GOOGL Alphabet Inc. Class A | 2.17% | 26,189 | $9.4M | Add +4.5% |
| DFEM Dimensional Emrg MRKT Core | 2.09% | 222,157 | $9.0M | Reduce -3.2% |
| VV Vngrd Mrgstr LRG-Cap ETF-Usd | 1.98% | 24,826 | $8.5M | Reduce -1.5% |
| VTIP Vanguard Short-Term Tips | 1.98% | 169,781 | $8.5M | Add +4.9% |
| VEA Vanguard Ftse Developed ETF | 1.89% | 114,282 | $8.1M | Reduce -0.6% |
| DFSV Dimensional US Small Cap Val | 1.88% | 209,792 | $8.1M | Add +3.0% |
| SCHX Schwab US Large-Cap ETF | 1.77% | 259,820 | $7.6M | Reduce -0.5% |
| JPM JPMorgan Chase & Co. | 1.72% | 22,691 | $7.4M | Add +0.1% |
| DFUV Dimensional US Marketwide Va | 1.59% | 124,809 | $6.9M | Reduce -0.9% |
| LRCX Lam Research Corp. | 1.57% | 15,624 | $6.8M | Reduce -24.2% |
| NVDA Nvidia Corp. | 1.50% | 32,307 | $6.5M | Reduce -0.6% |
| DFAR Dimensional US Real Est ETF | 1.33% | 219,228 | $5.7M | Add +2.4% |
| TSLA Tesla Inc. | 1.28% | 13,172 | $5.5M | Reduce -3.2% |
| BRK.B Berkshire Hathaway Inc. Class B | 1.28% | 11,052 | $5.5M | Add +13.5% |
| JPST JPMorgan Ultra-Short Income | 1.27% | 108,737 | $5.5M | Add +4.3% |
| DFAX Dimensional World Ex US Core | 1.25% | 147,029 | $5.4M | Add +2.2% |
| DFLV Dim US Large Cap Value ETF | 1.23% | 133,859 | $5.3M | Add +4.0% |
| MSFT Microsoft Corp. | 1.18% | 13,695 | $5.1M | Reduce -2.3% |
| VOO Vanguard S&P 500 ETF | 1.12% | 7,019 | $4.8M | Reduce -0.1% |
| VXUS Vanguard Total Intl Stock | 1.11% | 56,214 | $4.8M | Add +0.6% |
| SCHD Schwab US DVD Equity ETF | 1.08% | 147,747 | $4.7M | Reduce -0.8% |
| IGSB iShares 1-5Y Inv Grade Corp. | 1.07% | 87,994 | $4.6M | Add +2.8% |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 1.03% | 55,041 | $4.4M | Reduce -3.9% |
| EMXC iShares MSCI Emr MRK Ex Chna | 0.96% | 40,505 | $4.1M | Add +7.0% |
| AVGO Broadcom Inc. | 0.94% | 10,801 | $4.1M | Reduce -3.0% |
| VB Vanguard Most SM-Cap ETF-Usd | 0.90% | 12,790 | $3.9M | Reduce -1.2% |
| VNQI Vanguard GLBL Ex-US Real Est | 0.90% | 86,245 | $3.9M | Add +5.1% |
| DISV Dimensional International SM | 0.85% | 91,739 | $3.7M | Add +0.5% |
| GLD SPDR Gold Shares | 0.84% | 9,846 | $3.6M | Add +4.2% |
| VUG Vanguard Mrngstar GR ETF-Sui | 0.81% | 40,643 | $3.5M | Reduce -6.5% |
| META Meta Platforms Inc. Class A | 0.81% | 6,195 | $3.5M | Reduce -3.1% |
| CSCO Cisco Systems Inc. | 0.66% | 24,408 | $2.9M | Add +0.4% |
| TSM Taiwan Semiconductor-SP ADR | 0.66% | 5,974 | $2.9M | Add +1.8% |
| AMD Advanced Micro Devices | 0.64% | 4,766 | $2.8M | Reduce -2.9% |
| BILS SS Spdrb B 3-12M T-Bill ETF | 0.61% | 26,335 | $2.6M | Add +19.2% |
| VTV Vanguard Mrngstr Val ETF-Aui | 0.58% | 11,486 | $2.5M | Add +1.9% |
| AMZN Amazon.com Inc. | 0.54% | 9,845 | $2.3M | Reduce -1.3% |
| VBR Vngrd Mrngst SL-CP Val ETF-U | 0.53% | 9,495 | $2.3M | Reduce -3.9% |
| DFAE Dimensional Emerging Core Eq | 0.53% | 56,704 | $2.3M | Reduce -3.5% |
| AVMC Avantis US Mid Cap Eq ETF | 0.50% | 27,007 | $2.2M | Add +18.6% |
| AVDV Avantis Intl S/C Value ETF | 0.50% | 20,796 | $2.1M | Reduce -3.2% |
| GLDM SPDR Gold Minishares Trust | 0.47% | 25,547 | $2.0M | Reduce -1.3% |
| SCHB Schwab US Broad Market ETF | 0.47% | 69,938 | $2.0M | Add +0.6% |
| WPC WP Carey Inc. | 0.46% | 27,790 | $2.0M | Reduce -0.5% |
| BNY Bank of New York Mellon Corp. | 0.45% | 13,347 | $1.9M | Reduce -0.4% |
| VNQ Vanguard Real Estate ETF | 0.43% | 19,152 | $1.8M | Add +0.1% |
| VEU Vanguard Ftse All-World Ex-U | 0.39% | 20,332 | $1.7M | Reduce -2.4% |
| IWM iShares Russell 2000 ETF | 0.39% | 5,584 | $1.7M | No change |
| AVUV Avantis US Small Cap Value | 0.37% | 12,667 | $1.6M | Reduce -2.4% |
| CVX Chevron Corp. | 0.36% | 9,282 | $1.5M | Add +0.4% |
| SGOV iShares 0-3 Month Treasury B | 0.35% | 15,154 | $1.5M | Add +53.7% |
| VTI VG Morningstar TS MKT ETF-US | 0.35% | 4,113 | $1.5M | Add +0.4% |
| SCHA Schwab US Small-Cap ETF | 0.33% | 39,787 | $1.4M | Reduce -10.6% |
| JNJ Johnson & Johnson | 0.31% | 5,325 | $1.4M | Reduce -1.2% |
| SCHV Schwab US Large-Cap Value | 0.30% | 37,645 | $1.3M | Reduce -3.8% |
| SLV iShares Silver Trust | 0.29% | 23,579 | $1.3M | Reduce -1.3% |
| MU Micron Technology Inc. | 0.28% | 1,053 | $1.2M | Reduce -1.5% |
| DFAC Dimensional US Core Equity 2 | 0.27% | 26,013 | $1.2M | Add +1.9% |
| AMGN Amgen Inc. | 0.26% | 3,097 | $1.1M | Add +0.0% |
| BAC Bank of America Corp. | 0.26% | 19,534 | $1.1M | Reduce -10.0% |
| CAT Caterpillar Inc. | 0.26% | 1,044 | $1.1M | Reduce -1.1% |
| INTC Intel Corp. | 0.26% | 7,938 | $1.1M | Reduce -14.7% |
| VIG Vanguard Dividend Apprec ETF | 0.26% | 4,680 | $1.1M | Reduce -5.0% |
| FEZ State Street SPDR Euro Stoxx | 0.24% | 15,216 | $1.0M | Reduce -1.7% |
| QQQ Invesco QQQ Trust Series 1 | 0.23% | 1,356 | $998K | Reduce -2.2% |
| GOOG Alphabet Inc. Class C | 0.23% | 2,775 | $980K | Reduce -1.6% |
| XLP SS Consumer Staples Sel Sect | 0.22% | 11,377 | $945K | Add +2.9% |
| SCHH Schwab US REIT ETF | 0.22% | 39,899 | $945K | Add +0.1% |
| QCOM Qualcomm Inc. | 0.21% | 4,978 | $920K | Reduce -2.3% |
| IJR iShares Core S&P Small-Cap E | 0.21% | 6,134 | $910K | Reduce -3.1% |
| COST Costco Wholesale Corp. | 0.21% | 959 | $898K | Add +1.9% |
| LMT Lockheed Martin Corp. | 0.20% | 1,725 | $879K | Reduce -0.5% |
| V Visa Inc. Class A | 0.20% | 2,535 | $870K | Reduce -3.6% |
| IBDX iShares Ibonds Dec 2032 TC | 0.20% | 34,329 | $865K | No change |
| BSV Vanguard Short-Term Bond ETF | 0.20% | 10,982 | $856K | Add +0.8% |
| VHT Vanguard Health Care ETF | 0.20% | 2,856 | $854K | Add +5.0% |
| IBDW iShares Ibonds Dec 2031 Corp. | 0.20% | 40,801 | $850K | No change |
| VYM Vanguard High DVD Yield ETF | 0.19% | 5,309 | $839K | Add +0.0% |
| DFIC Dimensional International Co. | 0.18% | 21,435 | $799K | Reduce -6.7% |
| HD Home Depot Inc. | 0.18% | 2,212 | $780K | Reduce -6.5% |
| IVW iShares S&P 500 Growth ETF | 0.17% | 5,352 | $736K | No change |
| SCHZ Schwab US Aggregate Bond ETF | 0.17% | 31,330 | $725K | Add +5.3% |
| VWO Vanguard Ftse Emerging Marke | 0.15% | 11,014 | $657K | Reduce -3.6% |
| IBDV iShares Ibonds Dec 2030 Corp. | 0.15% | 29,999 | $654K | No change |
| DFAI Dimensional International Co. | 0.15% | 15,599 | $643K | No change |
| IEFA iShares Core MSCI Eafe ETF | 0.14% | 6,272 | $606K | Reduce -1.6% |
| AMAT Applied Materials Inc. | 0.13% | 802 | $580K | Reduce -2.1% |
| SPSB SS SPDR P St C Corp. ETF | 0.13% | 19,313 | $580K | Reduce -0.6% |
| FEOE First Eagle Overseas Eq ETF | 0.13% | 10,796 | $577K | Add +46.7% |
| IVE iShares S&P 500 Value ETF | 0.13% | 2,523 | $573K | No change |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.13% | 752 | $562K | Reduce -8.1% |
Portfolio Sells Q1 2026 → Q2 2026
| MSFT Microsoft Corp. | Reduce -2.3% | 1.18% | −0.16 |
| GLDM SPDR Gold Minishares Trust | Reduce -1.3% | 0.47% | −0.15 |
| META Meta Platforms Inc. Class A | Reduce -3.1% | 0.81% | −0.14 |
| SLV iShares Silver Trust | Reduce -1.3% | 0.29% | −0.13 |
| SPDW Ste STR SPDR PT DW Eu ETF | Reduce -1.8% | 3.61% | −0.12 |
| SCHD Schwab US DVD Equity ETF | Reduce -0.8% | 1.08% | −0.10 |
| CEG Constellation Energy | Sold out | 0.00% | −0.08 |
| PFE Pfizer Inc. | Sold out | 0.00% | −0.08 |
| SCHF Schwab Intl Equity ETF | Reduce -2.4% | 2.72% | −0.07 |
| LMT Lockheed Martin Corp. | Reduce -0.5% | 0.20% | −0.07 |
| PLTR Palantir Technologies Inc. Class A | Sold out | 0.00% | −0.06 |
| DFAT Dimensional US Target Value | Reduce -2.8% | 2.18% | −0.06 |
| ACN Accenture PLC Class A | Sold out | 0.00% | −0.06 |
| CRM Salesforce Inc. | Sold out | 0.00% | −0.06 |
| AVDV Avantis Intl S/C Value ETF | Reduce -3.2% | 0.50% | −0.06 |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | Reduce -3.9% | 1.03% | −0.04 |
| WPC WP Carey Inc. | Reduce -0.5% | 0.46% | −0.03 |
| OFIX Orthofix Medical Inc. | Sold out | 0.00% | −0.03 |
| JNJ Johnson & Johnson | Reduce -1.2% | 0.31% | −0.03 |
| TSLA Tesla Inc. | Reduce -3.2% | 1.28% | −0.03 |
| DFIC Dimensional International Co. | Reduce -6.7% | 0.18% | −0.03 |
| NEM Newmont Corp. | Reduce -5.6% | 0.07% | −0.03 |
| VEA Vanguard Ftse Developed ETF | Reduce -0.6% | 1.89% | −0.02 |
| WFC Wells Fargo & Co. | Reduce -11.5% | 0.10% | −0.02 |
| VBR Vngrd Mrngst SL-CP Val ETF-U | Reduce -3.9% | 0.53% | −0.02 |
| HD Home Depot Inc. | Reduce -6.5% | 0.18% | −0.02 |
| FDX FedEx Corp. | Reduce -0.4% | 0.07% | −0.02 |
| VIG Vanguard Dividend Apprec ETF | Reduce -5.0% | 0.26% | −0.02 |
| SPSB SS SPDR P St C Corp. ETF | Reduce -0.6% | 0.13% | −0.02 |
| LQD Ishr Ibx Usd Invgd CB ETF-Ui | Reduce -1.7% | 0.12% | −0.02 |
| BAC Bank of America Corp. | Reduce -10.0% | 0.26% | −0.02 |
| IBM Intl Business Machines Corp. | Reduce -13.6% | 0.11% | −0.01 |
| VEU Vanguard Ftse All-World Ex-U | Reduce -2.4% | 0.39% | −0.01 |
| IEFA iShares Core MSCI Eafe ETF | Reduce -1.6% | 0.14% | −0.01 |
| VUG Vanguard Mrngstar GR ETF-Sui | Reduce -6.5% | 0.81% | −0.01 |
| VWO Vanguard Ftse Emerging Marke | Reduce -3.6% | 0.15% | −0.01 |
| SPY SS SPDR S&P 500 ETF Trust-US | Reduce -8.1% | 0.13% | −0.01 |
| FEZ State Street SPDR Euro Stoxx | Reduce -1.7% | 0.24% | −0.01 |
| SCHV Schwab US Large-Cap Value | Reduce -3.8% | 0.30% | −0.01 |
| AVUV Avantis US Small Cap Value | Reduce -2.4% | 0.37% | −0.01 |
| DTD Wisdomtree US Total Dividend | Reduce -0.8% | 0.10% | −0.00 |
| V Visa Inc. Class A | Reduce -3.6% | 0.20% | −0.00 |
| SCHE Schwab Emrg Mrkts Eqty ETF | Reduce -0.7% | 0.12% | −0.00 |
| DFAU Dimensional US Core Equity M | Reduce -6.9% | 0.06% | −0.00 |
| SCHA Schwab US Small-Cap ETF | Reduce -10.6% | 0.33% | −0.00 |
| SPTM SS SPDR P S&P 1500 Comp ETF | Reduce -1.2% | 0.10% | +0.00 |
| DFUS Dimensional US Eq MKT ETF | Reduce -0.2% | 0.10% | +0.00 |
| AMZN Amazon.com Inc. | Reduce -1.3% | 0.54% | +0.00 |
| IJR iShares Core S&P Small-Cap E | Reduce -3.1% | 0.21% | +0.01 |
| DFUV Dimensional US Marketwide Va | Reduce -0.9% | 1.59% | +0.01 |
Portfolio Buys Q1 2026 → Q2 2026
| GOOGL Alphabet Inc. Class A | Add +4.5% | 2.17% | +0.30 |
| EMXC iShares MSCI Emr MRK Ex Chna | Add +7.0% | 0.96% | +0.19 |
| CSCO Cisco Systems Inc. | Add +0.4% | 0.66% | +0.17 |
| TSM Taiwan Semiconductor-SP ADR | Add +1.8% | 0.66% | +0.15 |
| SGOV iShares 0-3 Month Treasury B | Add +53.7% | 0.35% | +0.10 |
| FEGE First Eagle GL Equity ETF | New | 0.08% | +0.08 |
| AVMC Avantis US Mid Cap Eq ETF | Add +18.6% | 0.50% | +0.08 |
| BRK.B Berkshire Hathaway Inc. Class B | Add +13.5% | 1.28% | +0.07 |
| CRWD CrowdStrike Holdings Inc. Class A | New | 0.06% | +0.06 |
| GEV GE Vernova Inc. | New | 0.05% | +0.05 |
| IBCA iShares Ibonds Dec 2035 TC | New | 0.05% | +0.05 |
| DE Deere & Co. | New | 0.05% | +0.05 |
| PANW Palo Alto Networks Inc. | Add +1.1% | 0.11% | +0.05 |
| STIP iShares 0-5 Year Tips Bond E | New | 0.05% | +0.05 |
| NXPI NXP Semiconductors NV | New | 0.05% | +0.05 |
| BSCT Invesco Bulletshares 2029 CB | New | 0.04% | +0.04 |
| FEOE First Eagle Overseas Eq ETF | Add +46.7% | 0.13% | +0.04 |
| BILS SS Spdrb B 3-12M T-Bill ETF | Add +19.2% | 0.61% | +0.04 |
| DFSV Dimensional US Small Cap Val | Add +3.0% | 1.88% | +0.04 |
| DFLV Dim US Large Cap Value ETF | Add +4.0% | 1.23% | +0.03 |
| XLE SS Energy Select Sector | Add +54.5% | 0.11% | +0.02 |
| SCHB Schwab US Broad Market ETF | Add +0.6% | 0.47% | +0.02 |
| DFAR Dimensional US Real Est ETF | Add +2.4% | 1.33% | +0.01 |
| VTI VG Morningstar TS MKT ETF-US | Add +0.4% | 0.35% | +0.01 |
| DFAC Dimensional US Core Equity 2 | Add +1.9% | 0.27% | +0.01 |
| EWJV iShares MSCI Japan Value ETF | Add +16.2% | 0.12% | +0.01 |
| VTV Vanguard Mrngstr Val ETF-Aui | Add +1.9% | 0.58% | +0.01 |
| VHT Vanguard Health Care ETF | Add +5.0% | 0.20% | +0.01 |
| DFCA Dimensional Calfornia MB ETF | Add +16.1% | 0.07% | +0.00 |
| ABBV Abbvie Inc. | Add +0.1% | 0.08% | +0.00 |
| AVLV Avantis US Large Cap Value | Add +1.8% | 0.08% | +0.00 |
| DIA SS SPDR Dow Jones Indus Avg | Add +2.6% | 0.06% | +0.00 |
| SBUX Starbucks Corp. | Add +0.1% | 0.09% | +0.00 |
| AXP American Express Co. | Add +0.1% | 0.05% | 0.00 |
| BA The Boeing Co. | Add +1.3% | 0.09% | −0.00 |
| XLF SS Financial Select Sector | Add +0.0% | 0.09% | −0.00 |
| SCHH Schwab US REIT ETF | Add +0.1% | 0.22% | −0.00 |
| IBDZ ISHARESIBONDSDEC2034TMCORP | Add +8.5% | 0.12% | −0.00 |
| JSCP JPMorgan Short Duration Core | Add +4.3% | 0.05% | −0.00 |
| VXUS Vanguard Total Intl Stock | Add +0.6% | 1.11% | −0.00 |
| SCHO Schwab Short-Term US Treas | Add +5.1% | 0.07% | −0.00 |
| JMST JPM Ultra-Short Muni Income | Add +7.3% | 0.13% | −0.01 |
| VCIT Vanguard Int-Term Corporate | Add +0.1% | 0.05% | −0.01 |
| SO The Southern Co. | Add +0.1% | 0.05% | −0.01 |
| SPLV Invesco S&P 500 Low Volatili | Add +1.1% | 0.10% | −0.01 |
| IBDY iShares Ibonds Dec 2033 Corp. | Add +3.6% | 0.10% | −0.01 |
| JPM JPMorgan Chase & Co. | Add +0.1% | 1.72% | −0.01 |
| ORCL Oracle Corp. | Add +0.1% | 0.07% | −0.01 |
| VYM Vanguard High DVD Yield ETF | Add +0.0% | 0.19% | −0.01 |
| AGG iShares Core U.S. Aggregate | Add +2.6% | 0.12% | −0.01 |
All Filings
| Quarter | Positions | 13F Reported Value | Top Holdings |
|---|---|---|---|
| Q2 2026 | 179 | $431.8M | IVV, AAPL, SPDW, VCSH, DFGP |
| Q1 2026 | 177 | $385.8M | IVV, AAPL, SPDW, VCSH, DFGP |
| Q4 2025 | 174 | $388.0M | IVV, AAPL, SPDW, VCSH, SCHF |
| Q3 2025 | 167 | $373.1M | IVV, AAPL, SPDW, VCSH, DFSD |
| Q2 2025 | 162 | $338.5M | IVV, AAPL, SPDW, VCSH, SCHF |
| Q1 2025 | 155 | $306.4M | IVV, AAPL, SPDW, VCSH, DFSD |
| Q4 2024 | 152 | $310.2M | IVV, AAPL, VCSH, SPDW, TSLA |
| Q3 2024 | 148 | $302.0M | IVV, AAPL, SPDW, VCSH, SCHF |
| Q2 2024 | 140 | $279.8M | IVV, AAPL, VCSH, SPDW, SCHF |
| Q1 2024 | 139 | $272.4M | IVV, AAPL, SPDW, SCHF, VCSH |