Gradient Capital Advisors, LLC
In its 13F for Q2 2024 (holdings as of June 30, 2024, filed July 22, 2024), Gradient Capital Advisors, LLC reported 140 stock positions worth $279.8 million. Its top holding was iShares Core S&P 500 ETF (IVV) at 9.8% of the portfolio, followed by Apple (AAPL, 6.4%) and Vanguard S/T Corp. Bond ETF (VCSH, 3.9%). Compared with Q1 2024, it opened 3 new positions, sold out of 2, added to 55 and reduced 56. The biggest buy was Dimensional Short Duration (DFSD, shares +30%) and the biggest sale Schwab Intl Equity ETF (SCHF, shares −5%).
- Most Recent 13F
- Q2 2026
- Location
- SAN DIEGO, CA
- CIK
- 0001727917
- Portfolio Value
- $279.8M (Q2 2024)
- SEC Filing
- 0001727917-24-000006 ↗ filed Jul 22, 2024
Holdings Value
Holdings 140 stocks · $279.8M
| IVV iShares Core S&P 500 ETF | 9.82% | 50,190 | $27.5M | Reduce -3.8% |
| AAPL Apple Inc. | 6.43% | 85,372 | $18.0M | Reduce -3.8% |
| VCSH Vanguard S/T Corp. Bond ETF | 3.92% | 141,924 | $11.0M | Add +10.4% |
| SPDW Ste STR SPDR PT DW Eu ETF | 3.66% | 291,816 | $10.2M | Add +0.4% |
| SCHF Schwab Intl Equity ETF | 3.37% | 245,528 | $9.4M | Reduce -4.6% |
| SCHM Schwab US Mid Cap ETF | 2.79% | 100,372 | $7.8M | Add +1.6% |
| DFAT Dimensional US Target Value | 2.54% | 136,801 | $7.1M | Reduce -1.8% |
| VTIP Vanguard Short-Term Tips | 2.43% | 139,801 | $6.8M | Add +2.8% |
| MSFT Microsoft Corp. | 2.42% | 15,122 | $6.8M | Reduce -1.0% |
| JPST JPMorgan Ultra-Short Income | 2.38% | 131,910 | $6.7M | Reduce -1.1% |
| SCHX Schwab US Large-Cap ETF | 2.33% | 101,509 | $6.5M | Reduce -2.5% |
| DFSD Dimensional Short Duration | 2.00% | 119,215 | $5.6M | Add +30.0% |
| JPM JPMorgan Chase & Co. | 1.84% | 25,475 | $5.2M | Add +1.2% |
| DFUV Dimensional US Marketwide Va | 1.82% | 129,565 | $5.1M | Reduce -0.6% |
| DFEM Dimensional Emrg MRKT Core | 1.78% | 186,600 | $5.0M | Add +3.9% |
| TSLA Tesla Inc. | 1.76% | 24,914 | $4.9M | Reduce -3.9% |
| VV Vngrd Mrgstr LRG-Cap ETF-Usd | 1.74% | 19,464 | $4.9M | Reduce -1.6% |
| VEA Vanguard Ftse Developed ETF | 1.67% | 94,410 | $4.7M | Add +1.5% |
| VOO Vanguard S&P 500 ETF | 1.55% | 8,651 | $4.3M | Reduce -13.3% |
| GOOGL Alphabet Inc. Class A | 1.48% | 22,759 | $4.1M | Add +7.1% |
| VUG Vanguard Mrngstar GR ETF-Sui | 1.46% | 10,938 | $4.1M | Reduce -0.6% |
| VXUS Vanguard Total Intl Stock | 1.40% | 64,783 | $3.9M | Reduce -2.9% |
| DFAR Dimensional US Real Est ETF | 1.35% | 171,103 | $3.8M | Add +3.4% |
| NVDA Nvidia Corp. | 1.29% | 29,261 | $3.6M | Add +7.2% |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 1.28% | 14,825 | $3.6M | Add +0.6% |
| BRK.B Berkshire Hathaway Inc. Class B | 1.18% | 8,102 | $3.3M | Add +1.6% |
| SCHD Schwab US DVD Equity ETF | 1.16% | 41,763 | $3.2M | Add +5.6% |
| META Meta Platforms Inc. Class A | 1.14% | 6,326 | $3.2M | Add +3.3% |
| IGSB iShares 1-5Y Inv Grade Corp. | 1.08% | 59,091 | $3.0M | Add +22.4% |
| VB Vanguard Most SM-Cap ETF-Usd | 1.06% | 13,576 | $3.0M | Reduce -7.9% |
| DFAX Dimensional World Ex US Core | 1.01% | 110,637 | $2.8M | Add +3.4% |
| LRCX Lam Research Corp. | 0.93% | 2,431 | $2.6M | Reduce -1.6% |
| VNQI Vanguard GLBL Ex-US Real Est | 0.91% | 62,686 | $2.5M | Add +2.4% |
| DFSV Dimensional US Small Cap Val | 0.73% | 70,953 | $2.0M | Add +13.7% |
| DISV Dimensional International SM | 0.72% | 74,721 | $2.0M | Add +2.4% |
| QCOM Qualcomm Inc. | 0.65% | 9,129 | $1.8M | Add +0.9% |
| CVX Chevron Corp. | 0.65% | 11,542 | $1.8M | Reduce -0.2% |
| WPC WP Carey Inc. | 0.64% | 32,656 | $1.8M | Reduce -0.7% |
| AMZN Amazon.com Inc. | 0.62% | 8,970 | $1.7M | Reduce -0.1% |
| AVGO Broadcom Inc. | 0.62% | 1,075 | $1.7M | Add +5.2% |
| DFAE Dimensional Emerging Core Eq | 0.60% | 65,187 | $1.7M | Add +1.1% |
| SCHB Schwab US Broad Market ETF | 0.58% | 25,934 | $1.6M | Reduce -1.1% |
| AMD Advanced Micro Devices | 0.56% | 9,667 | $1.6M | Add +6.5% |
| VBR Vngrd Mrngst SL-CP Val ETF-U | 0.54% | 8,353 | $1.5M | Reduce -3.4% |
| GLDM SPDR Gold Minishares Trust | 0.54% | 32,968 | $1.5M | Reduce -0.8% |
| VTV Vanguard Mrngstr Val ETF-Aui | 0.54% | 9,418 | $1.5M | Add +37.2% |
| VNQ Vanguard Real Estate ETF | 0.52% | 17,271 | $1.4M | Reduce -3.5% |
| AVDV Avantis Intl S/C Value ETF | 0.49% | 21,179 | $1.4M | Reduce -2.1% |
| DFLV Dim US Large Cap Value ETF | 0.46% | 44,640 | $1.3M | Add +7.5% |
| VTI VG Morningstar TS MKT ETF-US | 0.44% | 4,650 | $1.2M | Reduce -1.5% |
| GLD SPDR Gold Shares | 0.44% | 5,697 | $1.2M | Add +7.2% |
| VEU Vanguard Ftse All-World Ex-U | 0.43% | 20,352 | $1.2M | Reduce -11.7% |
| SCHV Schwab US Large-Cap Value | 0.41% | 15,577 | $1.2M | Reduce -3.5% |
| AMGN Amgen Inc. | 0.40% | 3,569 | $1.1M | Add +0.3% |
| IWM iShares Russell 2000 ETF | 0.39% | 5,316 | $1.1M | Add +3.4% |
| SCHA Schwab US Small-Cap ETF | 0.38% | 22,384 | $1.1M | Reduce -0.5% |
| VIG Vanguard Dividend Apprec ETF | 0.37% | 5,733 | $1.0M | Reduce -2.9% |
| AVUV Avantis US Small Cap Value | 0.37% | 11,489 | $1.0M | Reduce -4.7% |
| BSV Vanguard Short-Term Bond ETF | 0.36% | 13,204 | $1.0M | Reduce -0.5% |
| LMT Lockheed Martin Corp. | 0.33% | 2,006 | $937K | Add +3.4% |
| JNJ Johnson & Johnson | 0.33% | 6,349 | $928K | Reduce -14.6% |
| SCHZ Schwab US Aggregate Bond ETF | 0.33% | 19,992 | $911K | Reduce -2.1% |
| SCHH Schwab US REIT ETF | 0.32% | 45,068 | $900K | Add +1.0% |
| BAC Bank of America Corp. filed as BANK AMERICA CORP | 0.32% | 22,533 | $896K | Reduce -0.9% |
| HD Home Depot Inc. | 0.31% | 2,522 | $868K | Add +0.4% |
| XLP SS Consumer Staples Sel Sect | 0.31% | 11,228 | $860K | Reduce -6.0% |
| VWO Vanguard Ftse Emerging Marke | 0.31% | 19,645 | $860K | Reduce -2.0% |
| VHT Vanguard Health Care ETF | 0.31% | 3,218 | $856K | Reduce -5.3% |
| CSCO Cisco Systems Inc. | 0.30% | 17,429 | $828K | Reduce -6.7% |
| VUSB Vanguard Ultra Short Bond Et | 0.28% | 15,887 | $787K | Add +4.9% |
| IBDW iShares Ibonds Dec 2031 Corp. | 0.25% | 34,642 | $703K | Add +5.5% |
| IJR iShares Core S&P Small-Cap E | 0.24% | 6,397 | $682K | Add +0.0% |
| JMST JPM Ultra-Short Muni Income filed as J P MORGAN EXCHANGE TRADED F | 0.24% | 13,256 | $673K | No change |
| DFAC Dimensional US Core Equity 2 | 0.24% | 20,634 | $665K | Reduce -0.6% |
| VYM Vanguard High DVD Yield ETF | 0.24% | 5,598 | $664K | Reduce -0.1% |
| GOOG Alphabet Inc. Class C | 0.23% | 3,561 | $653K | Reduce -0.5% |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.23% | 1,178 | $641K | Reduce -8.0% |
| IBDX iShares Ibonds Dec 2032 TC | 0.23% | 26,040 | $640K | Add +8.1% |
| V Visa Inc. Class A | 0.23% | 2,403 | $631K | No change |
| PFE Pfizer Inc. | 0.22% | 22,464 | $629K | Add +0.5% |
| TSM Taiwan Semiconductor-SP ADR | 0.22% | 3,575 | $621K | Add +0.6% |
| DFIC Dimensional International Co. | 0.22% | 22,962 | $604K | No change |
| SCHP Schwab U.S. Tips ETF | 0.21% | 11,222 | $584K | Add +0.1% |
| SPSB SS SPDR P St C Corp. ETF | 0.20% | 19,294 | $573K | Reduce -12.6% |
| BX Blackstone Inc. | 0.20% | 4,487 | $555K | No change |
| LQD Ishr Ibx Usd Invgd CB ETF-Ui | 0.19% | 5,062 | $542K | Add +6.5% |
| IBDV iShares Ibonds Dec 2030 Corp. | 0.18% | 24,339 | $517K | Add +13.3% |
| IVW iShares S&P 500 Growth ETF | 0.18% | 5,486 | $508K | Add +7.1% |
| IVE iShares S&P 500 Value ETF | 0.18% | 2,759 | $502K | No change |
| AGG iShares Core U.S. Aggregate | 0.18% | 5,140 | $499K | No change |
| NFLX Netflix Inc. | 0.18% | 730 | $493K | Reduce -4.0% |
| QQQ Invesco QQQ Trust Series 1 | 0.17% | 1,005 | $482K | No change |
| DFAI Dimensional International Co. | 0.17% | 16,092 | $477K | No change |
| IEFA iShares Core MSCI Eafe ETF | 0.17% | 6,368 | $463K | Reduce -3.3% |
| CAT Caterpillar Inc. | 0.16% | 1,375 | $458K | Reduce -7.3% |
| XOM Exxon Mobil Corp. | 0.16% | 3,871 | $446K | Add +1.7% |
| COST Costco Wholesale Corp. | 0.16% | 520 | $442K | No change |
| LULU Lululemon Athletica Inc. | 0.16% | 1,460 | $436K | Reduce -25.5% |
| BSMV Invesco Bulletshares 2031 MB | 0.15% | 19,704 | $413K | No change |
| SCHE Schwab Emrg Mrkts Eqty ETF | 0.14% | 15,272 | $406K | Reduce -5.3% |
Portfolio Sells Q1 2024 → Q2 2024
| SCHF Schwab Intl Equity ETF | Reduce -4.6% | 3.37% | −0.32 |
| IVV iShares Core S&P 500 ETF | Reduce -3.8% | 9.82% | −0.25 |
| DFAT Dimensional US Target Value | Reduce -1.8% | 2.54% | −0.25 |
| VOO Vanguard S&P 500 ETF | Reduce -13.3% | 1.55% | −0.21 |
| VB Vanguard Most SM-Cap ETF-Usd | Reduce -7.9% | 1.06% | −0.18 |
| DFUV Dimensional US Marketwide Va | Reduce -0.6% | 1.82% | −0.14 |
| LULU Lululemon Athletica Inc. | Reduce -25.5% | 0.16% | −0.13 |
| JNJ Johnson & Johnson | Reduce -14.6% | 0.33% | −0.10 |
| JPST JPMorgan Ultra-Short Income | Reduce -1.1% | 2.38% | −0.09 |
| JCPI JP Morgan Inflation MGD Bond | Sold out | 0.00% | −0.09 |
| VXUS Vanguard Total Intl Stock | Reduce -2.9% | 1.40% | −0.08 |
| PDBC Invesco Optimum Yield Divers | Sold out | 0.00% | −0.07 |
| INTC Intel Corp. | Reduce -1.4% | 0.14% | −0.07 |
| VEU Vanguard Ftse All-World Ex-U | Reduce -11.7% | 0.43% | −0.07 |
| VBR Vngrd Mrngst SL-CP Val ETF-U | Reduce -3.4% | 0.54% | −0.06 |
| VNQ Vanguard Real Estate ETF | Reduce -3.5% | 0.52% | −0.05 |
| CSCO Cisco Systems Inc. | Reduce -6.7% | 0.30% | −0.05 |
| AVUV Avantis US Small Cap Value | Reduce -4.7% | 0.37% | −0.05 |
| SCHX Schwab US Large-Cap ETF | Reduce -2.5% | 2.33% | −0.04 |
| DTD Wisdomtree US Total Dividend | Reduce -22.1% | 0.12% | −0.04 |
| WPC WP Carey Inc. | Reduce -0.7% | 0.64% | −0.04 |
| SCHV Schwab US Large-Cap Value | Reduce -3.5% | 0.41% | −0.04 |
| SPSB SS SPDR P St C Corp. ETF | Reduce -12.6% | 0.20% | −0.04 |
| CAT Caterpillar Inc. | Reduce -7.3% | 0.16% | −0.04 |
| DFUS Dimensional US Eq MKT ETF | Reduce -22.6% | 0.12% | −0.03 |
| VHT Vanguard Health Care ETF | Reduce -5.3% | 0.31% | −0.03 |
| AVDV Avantis Intl S/C Value ETF | Reduce -2.1% | 0.49% | −0.03 |
| XLP SS Consumer Staples Sel Sect | Reduce -6.0% | 0.31% | −0.03 |
| SCHA Schwab US Small-Cap ETF | Reduce -0.5% | 0.38% | −0.03 |
| CVX Chevron Corp. | Reduce -0.2% | 0.65% | −0.02 |
| VIG Vanguard Dividend Apprec ETF | Reduce -2.9% | 0.37% | −0.02 |
| BA The Boeing Co. | Reduce -8.8% | 0.10% | −0.02 |
| SPLV Invesco S&P 500 Low Volatili | Reduce -8.3% | 0.14% | −0.02 |
| SCHZ Schwab US Aggregate Bond ETF | Reduce -2.1% | 0.33% | −0.02 |
| SPY SS SPDR S&P 500 ETF Trust-US | Reduce -8.0% | 0.23% | −0.02 |
| IEFA iShares Core MSCI Eafe ETF | Reduce -3.3% | 0.17% | −0.01 |
| BSV Vanguard Short-Term Bond ETF | Reduce -0.5% | 0.36% | −0.01 |
| VYM Vanguard High DVD Yield ETF | Reduce -0.1% | 0.24% | −0.01 |
| TIP iShares Tips Bond ETF | Reduce -4.6% | 0.08% | −0.01 |
| DFAC Dimensional US Core Equity 2 | Reduce -0.6% | 0.24% | −0.01 |
| VTI VG Morningstar TS MKT ETF-US | Reduce -1.5% | 0.44% | −0.01 |
| SCHB Schwab US Broad Market ETF | Reduce -1.1% | 0.58% | −0.01 |
| VV Vngrd Mrgstr LRG-Cap ETF-Usd | Reduce -1.6% | 1.74% | −0.00 |
| SCHE Schwab Emrg Mrkts Eqty ETF | Reduce -5.3% | 0.14% | −0.00 |
| INTU Intuit Inc. | Reduce -1.6% | 0.13% | −0.00 |
| SPTM SS SPDR P S&P 1500 Comp ETF | Reduce -1.3% | 0.11% | −0.00 |
| VWO Vanguard Ftse Emerging Marke | Reduce -2.0% | 0.31% | −0.00 |
| BAC Bank of America Corp. | Reduce -0.9% | 0.32% | +0.00 |
| GLDM SPDR Gold Minishares Trust | Reduce -0.8% | 0.54% | +0.01 |
| ADBE Adobe Inc. | Reduce -2.7% | 0.14% | +0.01 |
Portfolio Buys Q1 2024 → Q2 2024
| DFSD Dimensional Short Duration | Add +30.0% | 2.00% | +0.42 |
| NVDA Nvidia Corp. | Add +7.2% | 1.29% | +0.39 |
| GOOGL Alphabet Inc. Class A | Add +7.1% | 1.48% | +0.30 |
| VCSH Vanguard S/T Corp. Bond ETF | Add +10.4% | 3.92% | +0.27 |
| IGSB iShares 1-5Y Inv Grade Corp. | Add +22.4% | 1.08% | +0.17 |
| VTV Vanguard Mrngstr Val ETF-Aui | Add +37.2% | 0.54% | +0.13 |
| AVGO Broadcom Inc. | Add +5.2% | 0.62% | +0.12 |
| DFEM Dimensional Emrg MRKT Core | Add +3.9% | 1.78% | +0.10 |
| QCOM Qualcomm Inc. | Add +0.9% | 0.65% | +0.09 |
| PANW Palo Alto Networks Inc. | New | 0.09% | +0.09 |
| IBDS Ishrs Ibnds Dec 27 Corp. ETF | New | 0.08% | +0.08 |
| BILS SS Spdrb B 3-12M T-Bill ETF | New | 0.07% | +0.07 |
| META Meta Platforms Inc. Class A | Add +3.3% | 1.14% | +0.05 |
| TSM Taiwan Semiconductor-SP ADR | Add +0.6% | 0.22% | +0.04 |
| DFSV Dimensional US Small Cap Val | Add +13.7% | 0.73% | +0.04 |
| GLD SPDR Gold Shares | Add +7.2% | 0.44% | +0.04 |
| VTIP Vanguard Short-Term Tips | Add +2.8% | 2.43% | +0.03 |
| AMGN Amgen Inc. | Add +0.3% | 0.40% | +0.03 |
| IVW iShares S&P 500 Growth ETF | Add +7.1% | 0.18% | +0.02 |
| DFAE Dimensional Emerging Core Eq | Add +1.1% | 0.60% | +0.02 |
| IBDR iShares Ibonds Dec 2026 Term | Add +23.2% | 0.10% | +0.02 |
| IBDV iShares Ibonds Dec 2030 Corp. | Add +13.3% | 0.18% | +0.02 |
| IBDU iShares Ibonds Dec 2029 Term | Add +15.6% | 0.10% | +0.01 |
| LMT Lockheed Martin Corp. | Add +3.4% | 0.33% | +0.01 |
| IBDX iShares Ibonds Dec 2032 TC | Add +8.1% | 0.23% | +0.01 |
| DFAX Dimensional World Ex US Core | Add +3.4% | 1.01% | +0.01 |
| VUSB Vanguard Ultra Short Bond Et | Add +4.9% | 0.28% | +0.01 |
| IBDW iShares Ibonds Dec 2031 Corp. | Add +5.5% | 0.25% | +0.00 |
| DFLV Dim US Large Cap Value ETF | Add +7.5% | 0.46% | +0.00 |
| LQD Ishr Ibx Usd Invgd CB ETF-Ui | Add +6.5% | 0.19% | +0.00 |
| XLE SS Energy Select Sector | Add +7.2% | 0.11% | +0.00 |
| WFC Wells Fargo & Co. | Add +0.4% | 0.09% | +0.00 |
| VYMI Vanguard Int High DVD YLD Inc. | Add +2.9% | 0.08% | −0.00 |
| PFE Pfizer Inc. | Add +0.5% | 0.22% | −0.00 |
| XOM Exxon Mobil Corp. | Add +1.7% | 0.16% | −0.00 |
| AVLV Avantis US Large Cap Value | Add +1.6% | 0.10% | −0.00 |
| POWR iShares US Power Infrastruct | Add +1.7% | 0.14% | −0.00 |
| SCHP Schwab U.S. Tips ETF | Add +0.1% | 0.21% | −0.01 |
| ABBV Abbvie Inc. | Add +0.1% | 0.08% | −0.01 |
| DFAR Dimensional US Real Est ETF | Add +3.4% | 1.35% | −0.01 |
| JPM JPMorgan Chase & Co. | Add +1.2% | 1.84% | −0.01 |
| SCHD Schwab US DVD Equity ETF | Add +5.6% | 1.16% | −0.01 |
| DISV Dimensional International SM | Add +2.4% | 0.72% | −0.01 |
| SCHH Schwab US REIT ETF | Add +1.0% | 0.32% | −0.01 |
| IWM iShares Russell 2000 ETF | Add +3.4% | 0.39% | −0.01 |
| IBM Intl Business Machines Corp. | Add +0.3% | 0.11% | −0.01 |
| IJR iShares Core S&P Small-Cap E | Add +0.0% | 0.24% | −0.02 |
| SBUX Starbucks Corp. | Add +1.0% | 0.09% | −0.02 |
| CRM Salesforce Inc. | Add +0.5% | 0.11% | −0.02 |
| DIS The Walt Disney Co. | Add +0.2% | 0.13% | −0.04 |
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 |