Gradient Capital Advisors, LLC
In its 13F for Q1 2024 (holdings as of March 31, 2024, filed April 17, 2024), Gradient Capital Advisors, LLC reported 139 stock positions worth $272.4 million. Its top holding was iShares Core S&P 500 ETF (IVV) at 10.1% of the portfolio, followed by Apple (AAPL, 5.6%) and Ste STR SPDR PT DW Eu ETF (SPDW, 3.8%). Compared with Q4 2023, it opened 2 new positions, sold out of 5, added to 50 and reduced 62. The biggest buy was Vanguard S/T Corp. Bond ETF (VCSH, shares +35%) and the biggest sale Apple (AAPL, shares −6%).
- Most Recent 13F
- Q2 2026
- Location
- SAN DIEGO, CA
- CIK
- 0001727917
- Portfolio Value
- $272.4M (Q1 2024)
- SEC Filing
- 0001727917-24-000004 ↗ filed Apr 17, 2024
Holdings Value
Holdings 139 stocks · $272.4M
| IVV iShares Core S&P 500 ETF | 10.07% | 52,158 | $27.4M | Reduce -5.4% |
| AAPL Apple Inc. | 5.59% | 88,721 | $15.2M | Reduce -6.2% |
| SPDW Ste STR SPDR PT DW Eu ETF | 3.82% | 290,634 | $10.4M | Add +0.9% |
| SCHF Schwab Intl Equity ETF | 3.69% | 257,361 | $10.0M | Reduce -3.5% |
| VCSH Vanguard S/T Corp. Bond ETF | 3.65% | 128,585 | $9.9M | Add +35.5% |
| SCHM Schwab US Mid Cap ETF | 2.95% | 98,798 | $8.0M | Reduce -1.6% |
| DFAT Dimensional US Target Value | 2.78% | 139,360 | $7.6M | Reduce -2.4% |
| JPST JPMorgan Ultra-Short Income | 2.47% | 133,434 | $6.7M | Reduce -2.1% |
| VTIP Vanguard Short-Term Tips | 2.39% | 135,979 | $6.5M | Add +5.2% |
| SCHX Schwab US Large-Cap ETF | 2.37% | 104,081 | $6.5M | Reduce -6.1% |
| MSFT Microsoft Corp. | 2.36% | 15,272 | $6.4M | Add +2.8% |
| DFUV Dimensional US Marketwide Va | 1.96% | 130,352 | $5.3M | Add +0.3% |
| JPM JPMorgan Chase & Co. | 1.85% | 25,167 | $5.0M | Reduce -0.4% |
| VOO Vanguard S&P 500 ETF | 1.76% | 9,979 | $4.8M | Reduce -15.7% |
| VV Vngrd Mrgstr LRG-Cap ETF-Usd | 1.74% | 19,781 | $4.7M | Reduce -1.7% |
| VEA Vanguard Ftse Developed ETF | 1.71% | 92,976 | $4.7M | Reduce -1.6% |
| DFEM Dimensional Emrg MRKT Core | 1.68% | 179,592 | $4.6M | Add +5.2% |
| TSLA Tesla Inc. | 1.67% | 25,924 | $4.6M | Reduce -11.4% |
| DFSD Dimensional Short Duration | 1.58% | 91,703 | $4.3M | Add +20.9% |
| VXUS Vanguard Total Intl Stock | 1.48% | 66,721 | $4.0M | Reduce -1.3% |
| VUG Vanguard Mrngstar GR ETF-Sui | 1.39% | 11,008 | $3.8M | Reduce -1.9% |
| DFAR Dimensional US Real Est ETF | 1.36% | 165,466 | $3.7M | Add +4.0% |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 1.35% | 14,735 | $3.7M | Reduce -2.4% |
| VB Vanguard Most SM-Cap ETF-Usd | 1.24% | 14,735 | $3.4M | Add +0.1% |
| BRK.B Berkshire Hathaway Inc. Class B | 1.23% | 7,972 | $3.4M | Add +8.4% |
| GOOGL Alphabet Inc. Class A | 1.18% | 21,245 | $3.2M | Add +1.4% |
| SCHD Schwab US DVD Equity ETF | 1.17% | 39,552 | $3.2M | Add +10.7% |
| META Meta Platforms Inc. Class A | 1.09% | 6,125 | $3.0M | Add +1.0% |
| DFAX Dimensional World Ex US Core | 1.00% | 107,004 | $2.7M | Add +12.7% |
| VNQI Vanguard GLBL Ex-US Real Est | 0.95% | 61,204 | $2.6M | Reduce -5.1% |
| IGSB iShares 1-5Y Inv Grade Corp. | 0.91% | 48,296 | $2.5M | Add +9.6% |
| NVDA Nvidia Corp. | 0.91% | 2,730 | $2.5M | Reduce -5.6% |
| LRCX Lam Research Corp. | 0.88% | 2,471 | $2.4M | Reduce -6.3% |
| DISV Dimensional International SM | 0.73% | 73,005 | $2.0M | Add +2.6% |
| DFSV Dimensional US Small Cap Val | 0.69% | 62,399 | $1.9M | Add +13.5% |
| WPC WP Carey Inc. | 0.68% | 32,894 | $1.9M | Reduce -3.8% |
| CVX Chevron Corp. | 0.67% | 11,569 | $1.8M | Reduce -0.8% |
| VBR Vngrd Mrngst SL-CP Val ETF-U | 0.61% | 8,646 | $1.7M | Reduce -8.8% |
| AMD Advanced Micro Devices | 0.60% | 9,075 | $1.6M | Add +5.3% |
| AMZN Amazon.com Inc. | 0.59% | 8,975 | $1.6M | Reduce -4.5% |
| SCHB Schwab US Broad Market ETF | 0.59% | 26,236 | $1.6M | Add +1.2% |
| DFAE Dimensional Emerging Core Eq | 0.58% | 64,443 | $1.6M | Reduce -1.1% |
| VNQ Vanguard Real Estate ETF | 0.57% | 17,903 | $1.5M | Reduce -1.6% |
| QCOM Qualcomm Inc. | 0.56% | 9,048 | $1.5M | Reduce -0.6% |
| GLDM SPDR Gold Minishares Trust | 0.54% | 33,233 | $1.5M | Add +2.8% |
| AVDV Avantis Intl S/C Value ETF | 0.52% | 21,630 | $1.4M | Reduce -0.4% |
| AVGO Broadcom Inc. | 0.50% | 1,022 | $1.4M | Reduce -1.8% |
| VEU Vanguard Ftse All-World Ex-U | 0.50% | 23,035 | $1.4M | Reduce -8.1% |
| DFLV Dim US Large Cap Value ETF | 0.46% | 41,524 | $1.2M | Add +15.3% |
| VTI VG Morningstar TS MKT ETF-US | 0.45% | 4,719 | $1.2M | Add +1.9% |
| SCHV Schwab US Large-Cap Value | 0.45% | 16,135 | $1.2M | Reduce -3.6% |
| JNJ Johnson & Johnson | 0.43% | 7,435 | $1.2M | Reduce -6.7% |
| AVUV Avantis US Small Cap Value | 0.41% | 12,050 | $1.1M | Reduce -5.3% |
| VTV Vanguard Mrngstr Val ETF-Aui | 0.41% | 6,866 | $1.1M | Reduce -0.4% |
| SCHA Schwab US Small-Cap ETF | 0.41% | 22,501 | $1.1M | Reduce -1.7% |
| GLD SPDR Gold Shares | 0.40% | 5,314 | $1.1M | Add +0.1% |
| IWM iShares Russell 2000 ETF | 0.40% | 5,142 | $1.1M | No change |
| VIG Vanguard Dividend Apprec ETF | 0.40% | 5,901 | $1.1M | Add +0.3% |
| BSV Vanguard Short-Term Bond ETF | 0.37% | 13,268 | $1.0M | Reduce -2.1% |
| AMGN Amgen Inc. | 0.37% | 3,560 | $1.0M | Reduce -0.3% |
| HD Home Depot Inc. | 0.35% | 2,513 | $964K | Add +0.3% |
| SCHZ Schwab US Aggregate Bond ETF | 0.34% | 20,427 | $940K | Add +0.5% |
| CSCO Cisco Systems Inc. | 0.34% | 18,684 | $932K | Add +0.2% |
| VHT Vanguard Health Care ETF | 0.34% | 3,400 | $920K | Reduce -2.5% |
| XLP SS Consumer Staples Sel Sect | 0.34% | 11,950 | $913K | Reduce -1.4% |
| SCHH Schwab US REIT ETF | 0.33% | 44,627 | $906K | Reduce -4.0% |
| LMT Lockheed Martin Corp. | 0.32% | 1,940 | $883K | Reduce -0.4% |
| BAC Bank of America Corp. filed as BANK AMERICA CORP | 0.32% | 22,739 | $862K | Reduce -7.4% |
| VWO Vanguard Ftse Emerging Marke | 0.31% | 20,047 | $837K | Reduce -8.6% |
| LULU Lululemon Athletica Inc. | 0.28% | 1,959 | $765K | Reduce -2.1% |
| VUSB Vanguard Ultra Short Bond Et | 0.28% | 15,151 | $751K | Reduce -14.3% |
| IJR iShares Core S&P Small-Cap E | 0.26% | 6,396 | $707K | Add +1.5% |
| VYM Vanguard High DVD Yield ETF | 0.25% | 5,602 | $678K | Add +0.9% |
| IBDW iShares Ibonds Dec 2031 Corp. | 0.25% | 32,827 | $673K | Add +25.4% |
| JMST JPM Ultra-Short Muni Income filed as J P MORGAN EXCHANGE TRADED F | 0.25% | 13,256 | $673K | Reduce -15.1% |
| V Visa Inc. Class A | 0.25% | 2,403 | $671K | Add +1.0% |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.25% | 1,280 | $669K | Add +1.9% |
| DFAC Dimensional US Core Equity 2 | 0.24% | 20,753 | $663K | Add +6.2% |
| SPSB SS SPDR P St C Corp. ETF | 0.24% | 22,066 | $657K | Add +7.7% |
| PFE Pfizer Inc. | 0.23% | 22,353 | $620K | Add +30.1% |
| DFIC Dimensional International Co. | 0.23% | 22,962 | $614K | No change |
| IBDX iShares Ibonds Dec 2032 TC | 0.22% | 24,083 | $597K | Add +2.6% |
| BX Blackstone Inc. | 0.22% | 4,487 | $589K | No change |
| SCHP Schwab U.S. Tips ETF | 0.21% | 11,207 | $585K | Reduce -1.7% |
| INTC Intel Corp. | 0.21% | 13,206 | $583K | Reduce -13.8% |
| GOOG Alphabet Inc. Class C | 0.20% | 3,579 | $545K | Reduce -1.1% |
| CAT Caterpillar Inc. | 0.20% | 1,483 | $543K | Reduce -9.0% |
| LQD Ishr Ibx Usd Invgd CB ETF-Ui | 0.19% | 4,751 | $517K | Reduce -4.8% |
| IVE iShares S&P 500 Value ETF | 0.19% | 2,759 | $515K | Add +2.5% |
| AGG iShares Core U.S. Aggregate | 0.18% | 5,140 | $503K | No change |
| IEFA iShares Core MSCI Eafe ETF | 0.18% | 6,582 | $489K | Reduce -1.7% |
| DFAI Dimensional International Co. | 0.18% | 16,092 | $486K | No change |
| TSM Taiwan Semiconductor-SP ADR | 0.18% | 3,554 | $484K | Add +2.9% |
| DIS The Walt Disney Co. filed as DISNEY WALT CO | 0.17% | 3,789 | $464K | Reduce -4.7% |
| NFLX Netflix Inc. | 0.17% | 760 | $462K | Reduce -4.4% |
| IBDV iShares Ibonds Dec 2030 Corp. | 0.17% | 21,490 | $460K | Add +37.6% |
| DTD Wisdomtree US Total Dividend | 0.16% | 6,336 | $448K | No change |
| QQQ Invesco QQQ Trust Series 1 | 0.16% | 1,005 | $446K | Add +3.1% |
| XOM Exxon Mobil Corp. | 0.16% | 3,806 | $442K | Reduce -3.5% |
| SPLV Invesco S&P 500 Low Volatili | 0.16% | 6,693 | $441K | Reduce -0.2% |
Portfolio Sells Q4 2023 → Q1 2024
| AAPL Apple Inc. | Reduce -6.2% | 5.59% | −1.35 |
| TSLA Tesla Inc. | Reduce -11.4% | 1.67% | −1.09 |
| SJNK SS SPDR BB St Hi Yield ETF | Reduce -69.5% | 0.10% | −0.25 |
| VOO Vanguard S&P 500 ETF | Reduce -15.7% | 1.76% | −0.21 |
| WPC WP Carey Inc. | Reduce -3.8% | 0.68% | −0.16 |
| IUSB Ishr CR Unvrse Usd BD ETF-Ui | Sold out | 0.00% | −0.15 |
| JPST JPMorgan Ultra-Short Income | Reduce -2.1% | 2.47% | −0.13 |
| LULU Lululemon Athletica Inc. | Reduce -2.1% | 0.28% | −0.11 |
| SCHO Schwab Short-Term US Treas | Sold out | 0.00% | −0.10 |
| VNQI Vanguard GLBL Ex-US Real Est | Reduce -5.1% | 0.95% | −0.10 |
| DFAU Dimensional US Core Equity M | Sold out | 0.00% | −0.09 |
| BMY Bristol-Myers Squibb Co. | Sold out | 0.00% | −0.09 |
| SCHC Schwab Intl Small-Cap Equity | Sold out | 0.00% | −0.09 |
| INTC Intel Corp. | Reduce -13.8% | 0.21% | −0.08 |
| BA The Boeing Co. | Reduce -8.2% | 0.12% | −0.06 |
| SCHF Schwab Intl Equity ETF | Reduce -3.5% | 3.69% | −0.06 |
| DFAT Dimensional US Target Value | Reduce -2.4% | 2.78% | −0.06 |
| VUSB Vanguard Ultra Short Bond Et | Reduce -14.3% | 0.28% | −0.06 |
| JMST JPM Ultra-Short Muni Income | Reduce -15.1% | 0.25% | −0.05 |
| JNJ Johnson & Johnson | Reduce -6.7% | 0.43% | −0.04 |
| VNQ Vanguard Real Estate ETF | Reduce -1.6% | 0.57% | −0.04 |
| VBR Vngrd Mrngst SL-CP Val ETF-U | Reduce -8.8% | 0.61% | −0.04 |
| VEU Vanguard Ftse All-World Ex-U | Reduce -8.1% | 0.50% | −0.04 |
| VWO Vanguard Ftse Emerging Marke | Reduce -8.6% | 0.31% | −0.04 |
| SCHH Schwab US REIT ETF | Reduce -4.0% | 0.33% | −0.03 |
| BSV Vanguard Short-Term Bond ETF | Reduce -2.1% | 0.37% | −0.02 |
| AVUV Avantis US Small Cap Value | Reduce -5.3% | 0.41% | −0.02 |
| LQD Ishr Ibx Usd Invgd CB ETF-Ui | Reduce -4.8% | 0.19% | −0.02 |
| AMGN Amgen Inc. | Reduce -0.3% | 0.37% | −0.02 |
| VXUS Vanguard Total Intl Stock | Reduce -1.3% | 1.48% | −0.01 |
| AVLV Avantis US Large Cap Value | Reduce -17.6% | 0.10% | −0.01 |
| SBUX Starbucks Corp. | Reduce -2.9% | 0.11% | −0.01 |
| DFAE Dimensional Emerging Core Eq | Reduce -1.1% | 0.58% | −0.01 |
| LMT Lockheed Martin Corp. | Reduce -0.4% | 0.32% | −0.01 |
| SCHP Schwab U.S. Tips ETF | Reduce -1.7% | 0.21% | −0.01 |
| VEA Vanguard Ftse Developed ETF | Reduce -1.6% | 1.71% | −0.01 |
| SCHX Schwab US Large-Cap ETF | Reduce -6.1% | 2.37% | −0.01 |
| SCHA Schwab US Small-Cap ETF | Reduce -1.7% | 0.41% | −0.01 |
| IEFA iShares Core MSCI Eafe ETF | Reduce -1.7% | 0.18% | 0.00 |
| PG The Procter & Gamble Co. | Reduce -6.0% | 0.10% | +0.00 |
| BAC Bank of America Corp. | Reduce -7.4% | 0.32% | +0.00 |
| SPLV Invesco S&P 500 Low Volatili | Reduce -0.2% | 0.16% | +0.00 |
| XLP SS Consumer Staples Sel Sect | Reduce -1.4% | 0.34% | +0.00 |
| SCHV Schwab US Large-Cap Value | Reduce -3.6% | 0.45% | +0.00 |
| VHT Vanguard Health Care ETF | Reduce -2.5% | 0.34% | +0.00 |
| GOOG Alphabet Inc. Class C | Reduce -1.1% | 0.20% | +0.01 |
| COST Costco Wholesale Corp. | Reduce -2.4% | 0.14% | +0.01 |
| AVDV Avantis Intl S/C Value ETF | Reduce -0.4% | 0.52% | +0.01 |
| CVX Chevron Corp. | Reduce -0.8% | 0.67% | +0.01 |
| XOM Exxon Mobil Corp. | Reduce -3.5% | 0.16% | +0.01 |
Portfolio Buys Q4 2023 → Q1 2024
| VCSH Vanguard S/T Corp. Bond ETF | Add +35.5% | 3.65% | +0.85 |
| META Meta Platforms Inc. Class A | Add +1.0% | 1.09% | +0.27 |
| BRK.B Berkshire Hathaway Inc. Class B | Add +8.4% | 1.23% | +0.23 |
| MSFT Microsoft Corp. | Add +2.8% | 2.36% | +0.23 |
| DFSD Dimensional Short Duration | Add +20.9% | 1.58% | +0.23 |
| SCHD Schwab US DVD Equity ETF | Add +10.7% | 1.17% | +0.14 |
| AMD Advanced Micro Devices | Add +5.3% | 0.60% | +0.12 |
| DFAX Dimensional World Ex US Core | Add +12.7% | 1.00% | +0.12 |
| DFUV Dimensional US Marketwide Va | Add +0.3% | 1.96% | +0.12 |
| SPDW Ste STR SPDR PT DW Eu ETF | Add +0.9% | 3.82% | +0.10 |
| IBDU iShares Ibonds Dec 2029 Term | New | 0.09% | +0.09 |
| DFLV Dim US Large Cap Value ETF | Add +15.3% | 0.46% | +0.09 |
| XLF SS Financial Select Sector | New | 0.08% | +0.08 |
| DFSV Dimensional US Small Cap Val | Add +13.5% | 0.69% | +0.08 |
| GOOGL Alphabet Inc. Class A | Add +1.4% | 1.18% | +0.06 |
| DFEM Dimensional Emrg MRKT Core | Add +5.2% | 1.68% | +0.06 |
| VTIP Vanguard Short-Term Tips | Add +5.2% | 2.39% | +0.05 |
| IGSB iShares 1-5Y Inv Grade Corp. | Add +9.6% | 0.91% | +0.05 |
| VB Vanguard Most SM-Cap ETF-Usd | Add +0.1% | 1.24% | +0.04 |
| TSM Taiwan Semiconductor-SP ADR | Add +2.9% | 0.18% | +0.04 |
| IBDV iShares Ibonds Dec 2030 Corp. | Add +37.6% | 0.17% | +0.04 |
| IBDW iShares Ibonds Dec 2031 Corp. | Add +25.4% | 0.25% | +0.04 |
| PFE Pfizer Inc. | Add +30.1% | 0.23% | +0.04 |
| SCHB Schwab US Broad Market ETF | Add +1.2% | 0.59% | +0.04 |
| GLDM SPDR Gold Minishares Trust | Add +2.8% | 0.54% | +0.03 |
| VTI VG Morningstar TS MKT ETF-US | Add +1.9% | 0.45% | +0.03 |
| DISV Dimensional International SM | Add +2.6% | 0.73% | +0.03 |
| DFAC Dimensional US Core Equity 2 | Add +6.2% | 0.24% | +0.03 |
| HD Home Depot Inc. | Add +0.3% | 0.35% | +0.02 |
| PDBC Invesco Optimum Yield Divers | Add +34.0% | 0.07% | +0.02 |
| SPY SS SPDR S&P 500 ETF Trust-US | Add +1.9% | 0.25% | +0.02 |
| GLD SPDR Gold Shares | Add +0.1% | 0.40% | +0.01 |
| VIG Vanguard Dividend Apprec ETF | Add +0.3% | 0.40% | +0.01 |
| DFUS Dimensional US Eq MKT ETF | Add +3.8% | 0.15% | +0.01 |
| CRM Salesforce Inc. | Add +0.6% | 0.13% | +0.01 |
| VYM Vanguard High DVD Yield ETF | Add +0.9% | 0.25% | +0.01 |
| ABBV Abbvie Inc. | Add +2.2% | 0.09% | +0.01 |
| QQQ Invesco QQQ Trust Series 1 | Add +3.1% | 0.16% | +0.01 |
| WFC Wells Fargo & Co. | Add +0.4% | 0.09% | +0.01 |
| IVE iShares S&P 500 Value ETF | Add +2.5% | 0.19% | +0.01 |
| V Visa Inc. Class A | Add +1.0% | 0.25% | +0.01 |
| SPSB SS SPDR P St C Corp. ETF | Add +7.7% | 0.24% | +0.01 |
| XLE SS Energy Select Sector | Add +0.1% | 0.11% | +0.01 |
| IBDR iShares Ibonds Dec 2026 Term | Add +12.3% | 0.08% | +0.01 |
| SPTM SS SPDR P S&P 1500 Comp ETF | Add +0.0% | 0.11% | +0.01 |
| VYMI Vanguard Int High DVD YLD Inc. | Add +1.1% | 0.08% | +0.00 |
| IJR iShares Core S&P Small-Cap E | Add +1.5% | 0.26% | −0.00 |
| JCPI JP Morgan Inflation MGD Bond | Add +0.3% | 0.09% | −0.00 |
| IBDX iShares Ibonds Dec 2032 TC | Add +2.6% | 0.22% | −0.01 |
| SCHZ Schwab US Aggregate Bond ETF | Add +0.5% | 0.34% | −0.02 |
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 |