Gradient Capital Advisors, LLC
In its 13F for Q3 2024 (holdings as of September 30, 2024, filed October 16, 2024), Gradient Capital Advisors, LLC reported 148 stock positions worth $302.0 million. Its top holding was iShares Core S&P 500 ETF (IVV) at 9.6% of the portfolio, followed by Apple (AAPL, 6.3%) and Ste STR SPDR PT DW Eu ETF (SPDW, 3.9%). Compared with Q2 2024, it opened 9 new positions, sold out of 1, added to 62 and reduced 51. The biggest buy was a new position in Lam Research (LRCX) and the biggest sale an exit from Lam Research (LRCX).
- Most Recent 13F
- Q2 2026
- Location
- SAN DIEGO, CA
- CIK
- 0001727917
- Portfolio Value
- $302.0M (Q3 2024)
- SEC Filing
- 0001727917-24-000010 ↗ filed Oct 16, 2024
Holdings Value
Holdings 148 stocks · $302.0M
| IVV iShares Core S&P 500 ETF | 9.58% | 50,175 | $28.9M | Reduce -0.0% |
| AAPL Apple Inc. | 6.28% | 81,447 | $19.0M | Reduce -4.6% |
| SPDW Ste STR SPDR PT DW Eu ETF | 3.93% | 316,043 | $11.9M | Add +8.3% |
| VCSH Vanguard S/T Corp. Bond ETF | 3.80% | 144,659 | $11.5M | Add +1.9% |
| SCHF Schwab Intl Equity ETF | 3.32% | 244,117 | $10.0M | Reduce -0.6% |
| SCHM Schwab US Mid Cap ETF | 2.80% | 101,869 | $8.5M | Add +1.5% |
| DFAT Dimensional US Target Value | 2.51% | 136,035 | $7.6M | Reduce -0.6% |
| DFSD Dimensional Short Duration | 2.48% | 156,748 | $7.5M | Add +31.5% |
| VTIP Vanguard Short-Term Tips | 2.32% | 141,893 | $7.0M | Add +1.5% |
| JPST JPMorgan Ultra-Short Income | 2.22% | 131,954 | $6.7M | Add +0.0% |
| SCHX Schwab US Large-Cap ETF | 2.17% | 96,763 | $6.6M | Reduce -4.7% |
| MSFT Microsoft Corp. | 2.10% | 14,731 | $6.3M | Reduce -2.6% |
| TSLA Tesla Inc. | 2.05% | 23,681 | $6.2M | Reduce -5.0% |
| DFEM Dimensional Emrg MRKT Core | 1.87% | 201,075 | $5.7M | Add +7.8% |
| DFUV Dimensional US Marketwide Va | 1.78% | 128,779 | $5.4M | Reduce -0.6% |
| JPM JPMorgan Chase & Co. | 1.76% | 25,149 | $5.3M | Reduce -1.3% |
| VV Vngrd Mrgstr LRG-Cap ETF-Usd | 1.70% | 19,464 | $5.1M | No change |
| VEA Vanguard Ftse Developed ETF | 1.64% | 94,001 | $5.0M | Reduce -0.4% |
| DFAR Dimensional US Real Est ETF | 1.52% | 178,772 | $4.6M | Add +4.5% |
| VOO Vanguard S&P 500 ETF | 1.41% | 8,071 | $4.3M | Reduce -6.7% |
| VXUS Vanguard Total Intl Stock | 1.37% | 64,097 | $4.1M | Reduce -1.1% |
| VUG Vanguard Mrngstar GR ETF-Sui | 1.32% | 10,401 | $4.0M | Reduce -4.9% |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 1.29% | 14,813 | $3.9M | Reduce -0.1% |
| BRK.B Berkshire Hathaway Inc. Class B | 1.26% | 8,250 | $3.8M | Add +1.8% |
| GOOGL Alphabet Inc. Class A | 1.24% | 22,668 | $3.8M | Reduce -0.4% |
| SCHD Schwab US DVD Equity ETF | 1.21% | 43,300 | $3.7M | Add +3.7% |
| META Meta Platforms Inc. Class A | 1.17% | 6,153 | $3.5M | Reduce -2.7% |
| NVDA Nvidia Corp. | 1.16% | 28,939 | $3.5M | Reduce -1.1% |
| IGSB iShares 1-5Y Inv Grade Corp. | 1.12% | 64,354 | $3.4M | Add +8.9% |
| VB Vanguard Most SM-Cap ETF-Usd | 1.08% | 13,773 | $3.3M | Add +1.4% |
| DFAX Dimensional World Ex US Core | 1.03% | 114,905 | $3.1M | Add +3.9% |
| VNQI Vanguard GLBL Ex-US Real Est | 1.01% | 64,878 | $3.0M | Add +3.5% |
| DFSV Dimensional US Small Cap Val | 0.95% | 93,285 | $2.9M | Add +31.5% |
| DISV Dimensional International SM | 0.80% | 83,408 | $2.4M | Add +11.6% |
| VBR Vngrd Mrngst SL-CP Val ETF-U | 0.73% | 10,983 | $2.2M | Add +31.5% |
| DFLV Dim US Large Cap Value ETF | 0.67% | 65,619 | $2.0M | Add +47.0% |
| WPC WP Carey Inc. | 0.65% | 31,442 | $2.0M | Reduce -3.7% |
| LRCX Lam Research Corp. | 0.62% | 2,291 | $1.9M | New |
| VTV Vanguard Mrngstr Val ETF-Aui | 0.60% | 10,372 | $1.8M | Add +10.1% |
| DFAE Dimensional Emerging Core Eq | 0.59% | 65,299 | $1.8M | Add +0.2% |
| AMZN Amazon.com Inc. | 0.58% | 9,420 | $1.8M | Add +5.0% |
| SCHB Schwab US Broad Market ETF | 0.57% | 26,086 | $1.7M | Add +0.6% |
| GLDM SPDR Gold Minishares Trust | 0.57% | 32,959 | $1.7M | Reduce -0.0% |
| AVGO Broadcom Inc. | 0.56% | 9,805 | $1.7M | Reduce -8.8% |
| VNQ Vanguard Real Estate ETF | 0.56% | 17,272 | $1.7M | Add +0.0% |
| IWM iShares Russell 2000 ETF | 0.55% | 7,550 | $1.7M | Add +42.0% |
| AMD Advanced Micro Devices | 0.54% | 9,864 | $1.6M | Add +2.0% |
| CVX Chevron Corp. | 0.53% | 10,855 | $1.6M | Reduce -6.0% |
| QCOM Qualcomm Inc. | 0.49% | 8,754 | $1.5M | Reduce -4.1% |
| AVDV Avantis Intl S/C Value ETF | 0.49% | 20,755 | $1.5M | Reduce -2.0% |
| GLD SPDR Gold Shares | 0.46% | 5,701 | $1.4M | Add +0.1% |
| VTI VG Morningstar TS MKT ETF-US | 0.41% | 4,388 | $1.2M | Reduce -5.6% |
| SCHV Schwab US Large-Cap Value | 0.41% | 15,382 | $1.2M | Reduce -1.3% |
| VEU Vanguard Ftse All-World Ex-U | 0.41% | 19,465 | $1.2M | Reduce -4.4% |
| LMT Lockheed Martin Corp. | 0.40% | 2,046 | $1.2M | Add +2.0% |
| AMGN Amgen Inc. | 0.38% | 3,577 | $1.2M | Add +0.2% |
| VIG Vanguard Dividend Apprec ETF | 0.38% | 5,731 | $1.1M | Reduce -0.0% |
| SCHA Schwab US Small-Cap ETF | 0.37% | 21,513 | $1.1M | Reduce -3.9% |
| AVUV Avantis US Small Cap Value | 0.36% | 11,220 | $1.1M | Reduce -2.3% |
| JNJ Johnson & Johnson | 0.34% | 6,391 | $1.0M | Add +0.7% |
| SCHH Schwab US REIT ETF | 0.33% | 43,637 | $1.0M | Reduce -3.2% |
| HD Home Depot Inc. | 0.33% | 2,471 | $1.0M | Reduce -2.0% |
| BSV Vanguard Short-Term Bond ETF | 0.32% | 12,446 | $979K | Reduce -5.7% |
| VWO Vanguard Ftse Emerging Marke | 0.31% | 19,547 | $935K | Reduce -0.5% |
| XLP SS Consumer Staples Sel Sect | 0.31% | 11,229 | $932K | Add +0.0% |
| CSCO Cisco Systems Inc. | 0.30% | 17,205 | $916K | Reduce -1.3% |
| VHT Vanguard Health Care ETF | 0.30% | 3,224 | $910K | Add +0.2% |
| BAC Bank of America Corp. filed as BANK AMERICA CORP | 0.30% | 22,911 | $909K | Add +1.7% |
| SCHZ Schwab US Aggregate Bond ETF | 0.29% | 18,506 | $879K | Reduce -7.4% |
| VUSB Vanguard Ultra Short Bond Et | 0.26% | 15,977 | $798K | Add +0.6% |
| IBDX iShares Ibonds Dec 2032 TC | 0.26% | 30,154 | $775K | Add +15.8% |
| DFAC Dimensional US Core Equity 2 | 0.26% | 22,463 | $770K | Add +8.9% |
| IJR iShares Core S&P Small-Cap E | 0.25% | 6,399 | $748K | Add +0.0% |
| IBDW iShares Ibonds Dec 2031 Corp. | 0.24% | 34,642 | $735K | No change |
| VYM Vanguard High DVD Yield ETF | 0.23% | 5,482 | $703K | Reduce -2.1% |
| V Visa Inc. Class A | 0.23% | 2,543 | $699K | Add +5.8% |
| BX Blackstone Inc. | 0.23% | 4,487 | $687K | No change |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.22% | 1,156 | $663K | Reduce -1.9% |
| PFE Pfizer Inc. | 0.22% | 22,487 | $651K | Add +0.1% |
| DFIC Dimensional International Co. | 0.21% | 22,962 | $646K | No change |
| TSM Taiwan Semiconductor-SP ADR | 0.21% | 3,717 | $646K | Add +4.0% |
| SCHP Schwab U.S. Tips ETF | 0.20% | 11,222 | $602K | No change |
| SPSB SS SPDR P St C Corp. ETF | 0.19% | 19,307 | $585K | Add +0.1% |
| LQD Ishr Ibx Usd Invgd CB ETF-Ui | 0.19% | 5,117 | $578K | Add +1.1% |
| GOOG Alphabet Inc. Class C | 0.19% | 3,382 | $565K | Reduce -5.0% |
| IBDV iShares Ibonds Dec 2030 Corp. | 0.18% | 25,130 | $557K | Add +3.3% |
| IVE iShares S&P 500 Value ETF | 0.18% | 2,759 | $544K | No change |
| AGG iShares Core U.S. Aggregate | 0.18% | 5,239 | $531K | Add +1.9% |
| IVW iShares S&P 500 Growth ETF | 0.17% | 5,486 | $525K | No change |
| CAT Caterpillar Inc. | 0.17% | 1,323 | $518K | Reduce -3.8% |
| NFLX Netflix Inc. | 0.17% | 723 | $513K | Reduce -1.0% |
| DFAI Dimensional International Co. | 0.17% | 16,092 | $511K | No change |
| IEFA iShares Core MSCI Eafe ETF | 0.17% | 6,464 | $505K | Add +1.5% |
| COST Costco Wholesale Corp. | 0.17% | 563 | $499K | Add +8.3% |
| QQQ Invesco QQQ Trust Series 1 | 0.16% | 1,005 | $491K | No change |
| XOM Exxon Mobil Corp. | 0.16% | 3,999 | $469K | Add +3.3% |
| SPLV Invesco S&P 500 Low Volatili | 0.15% | 6,138 | $440K | No change |
| SCHE Schwab Emrg Mrkts Eqty ETF | 0.14% | 14,878 | $434K | Reduce -2.6% |
| ACN Accenture PLC Class A | 0.14% | 1,222 | $432K | Add +5.3% |
| BSMV Invesco Bulletshares 2031 MB | 0.14% | 19,704 | $420K | No change |
Portfolio Sells Q2 2024 → Q3 2024
| LRCX Lam Research Corp. | Sold out | 0.00% | −0.93 |
| MSFT Microsoft Corp. | Reduce -2.6% | 2.10% | −0.32 |
| GOOGL Alphabet Inc. Class A | Reduce -0.4% | 1.24% | −0.24 |
| IVV iShares Core S&P 500 ETF | Reduce -0.0% | 9.58% | −0.23 |
| QCOM Qualcomm Inc. | Reduce -4.1% | 0.49% | −0.16 |
| SCHX Schwab US Large-Cap ETF | Reduce -4.7% | 2.17% | −0.16 |
| AAPL Apple Inc. | Reduce -4.6% | 6.28% | −0.14 |
| VUG Vanguard Mrngstar GR ETF-Sui | Reduce -4.9% | 1.32% | −0.14 |
| VOO Vanguard S&P 500 ETF | Reduce -6.7% | 1.41% | −0.14 |
| NVDA Nvidia Corp. | Reduce -1.1% | 1.16% | −0.13 |
| CVX Chevron Corp. | Reduce -6.0% | 0.53% | −0.12 |
| JMST JPM Ultra-Short Muni Income | Reduce -41.2% | 0.13% | −0.11 |
| JPM JPMorgan Chase & Co. | Reduce -1.3% | 1.76% | −0.09 |
| AVGO Broadcom Inc. | Reduce -8.8% | 0.56% | −0.06 |
| SCHF Schwab Intl Equity ETF | Reduce -0.6% | 3.32% | −0.05 |
| GOOG Alphabet Inc. Class C | Reduce -5.0% | 0.19% | −0.05 |
| INTC Intel Corp. | Reduce -2.4% | 0.10% | −0.05 |
| DFUV Dimensional US Marketwide Va | Reduce -0.6% | 1.78% | −0.04 |
| BSV Vanguard Short-Term Bond ETF | Reduce -5.7% | 0.32% | −0.04 |
| LULU Lululemon Athletica Inc. | Reduce -7.8% | 0.12% | −0.03 |
| SCHZ Schwab US Aggregate Bond ETF | Reduce -7.4% | 0.29% | −0.03 |
| VTI VG Morningstar TS MKT ETF-US | Reduce -5.6% | 0.41% | −0.03 |
| BA The Boeing Co. | Reduce -12.1% | 0.07% | −0.03 |
| DFAT Dimensional US Target Value | Reduce -0.6% | 2.51% | −0.03 |
| DIS The Walt Disney Co. | Reduce -10.7% | 0.11% | −0.03 |
| VEA Vanguard Ftse Developed ETF | Reduce -0.4% | 1.64% | −0.02 |
| VXUS Vanguard Total Intl Stock | Reduce -1.1% | 1.37% | −0.02 |
| VEU Vanguard Ftse All-World Ex-U | Reduce -4.4% | 0.41% | −0.02 |
| POWR iShares US Power Infrastruct | Reduce -2.5% | 0.12% | −0.02 |
| AVLV Avantis US Large Cap Value | Reduce -11.9% | 0.09% | −0.01 |
| XLE SS Energy Select Sector | Reduce -2.2% | 0.10% | −0.01 |
| SCHA Schwab US Small-Cap ETF | Reduce -3.9% | 0.37% | −0.01 |
| AVUV Avantis US Small Cap Value | Reduce -2.3% | 0.36% | −0.01 |
| SPY SS SPDR S&P 500 ETF Trust-US | Reduce -1.9% | 0.22% | −0.01 |
| NFLX Netflix Inc. | Reduce -1.0% | 0.17% | −0.01 |
| DFUS Dimensional US Eq MKT ETF | Reduce -3.3% | 0.11% | −0.01 |
| AVDV Avantis Intl S/C Value ETF | Reduce -2.0% | 0.49% | −0.01 |
| VYM Vanguard High DVD Yield ETF | Reduce -2.1% | 0.23% | −0.00 |
| SCHV Schwab US Large-Cap Value | Reduce -1.3% | 0.41% | −0.00 |
| VYMI Vanguard Int High DVD YLD Inc. | Reduce -1.2% | 0.08% | −0.00 |
| SCHE Schwab Emrg Mrkts Eqty ETF | Reduce -2.6% | 0.14% | −0.00 |
| VIG Vanguard Dividend Apprec ETF | Reduce -0.0% | 0.38% | +0.00 |
| VWO Vanguard Ftse Emerging Marke | Reduce -0.5% | 0.31% | +0.00 |
| WPC WP Carey Inc. | Reduce -3.7% | 0.65% | +0.01 |
| CSCO Cisco Systems Inc. | Reduce -1.3% | 0.30% | +0.01 |
| CAT Caterpillar Inc. | Reduce -3.8% | 0.17% | +0.01 |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | Reduce -0.1% | 1.29% | +0.01 |
| SCHH Schwab US REIT ETF | Reduce -3.2% | 0.33% | +0.01 |
| HD Home Depot Inc. | Reduce -2.0% | 0.33% | +0.02 |
| GLDM SPDR Gold Minishares Trust | Reduce -0.0% | 0.57% | +0.03 |
Portfolio Buys Q2 2024 → Q3 2024
| LRCX Lam Research Corp. | New | 0.62% | +0.62 |
| DFSD Dimensional Short Duration | Add +31.5% | 2.48% | +0.48 |
| SPDW Ste STR SPDR PT DW Eu ETF | Add +8.3% | 3.93% | +0.27 |
| DFSV Dimensional US Small Cap Val | Add +31.5% | 0.95% | +0.22 |
| DFLV Dim US Large Cap Value ETF | Add +47.0% | 0.67% | +0.21 |
| VBR Vngrd Mrngst SL-CP Val ETF-U | Add +31.5% | 0.73% | +0.19 |
| IWM iShares Russell 2000 ETF | Add +42.0% | 0.55% | +0.17 |
| DFAR Dimensional US Real Est ETF | Add +4.5% | 1.52% | +0.17 |
| VNQI Vanguard GLBL Ex-US Real Est | Add +3.5% | 1.01% | +0.10 |
| DFEM Dimensional Emrg MRKT Core | Add +7.8% | 1.87% | +0.09 |
| CEG Constellation Energy | New | 0.09% | +0.09 |
| DISV Dimensional International SM | Add +11.6% | 0.80% | +0.08 |
| XLU St Sr Utl SL SE SPDR ETF-Usd | New | 0.08% | +0.08 |
| IGIB iShares 5-10Y Inv Grade Corp. | New | 0.08% | +0.08 |
| BRK.B Berkshire Hathaway Inc. Class B | Add +1.8% | 1.26% | +0.08 |
| SCHO Schwab Short-Term US Treas | New | 0.08% | +0.08 |
| WMT Walmart Inc. | New | 0.07% | +0.07 |
| IBDY iShares Ibonds Dec 2033 Corp. | New | 0.07% | +0.07 |
| IBB iShares Biotechnology ETF | New | 0.07% | +0.07 |
| IBDZ ISHARESIBONDSDEC2034TMCORP | New | 0.07% | +0.07 |
| LMT Lockheed Martin Corp. | Add +2.0% | 0.40% | +0.06 |
| VTV Vanguard Mrngstr Val ETF-Aui | Add +10.1% | 0.60% | +0.06 |
| SCHD Schwab US DVD Equity ETF | Add +3.7% | 1.21% | +0.05 |
| VNQ Vanguard Real Estate ETF | Add +0.0% | 0.56% | +0.04 |
| IGSB iShares 1-5Y Inv Grade Corp. | Add +8.9% | 1.12% | +0.04 |
| BILS SS Spdrb B 3-12M T-Bill ETF | Add +50.3% | 0.10% | +0.03 |
| IBDX iShares Ibonds Dec 2032 TC | Add +15.8% | 0.26% | +0.03 |
| VB Vanguard Most SM-Cap ETF-Usd | Add +1.4% | 1.08% | +0.02 |
| DFAX Dimensional World Ex US Core | Add +3.9% | 1.03% | +0.02 |
| IBM Intl Business Machines Corp. | Add +0.2% | 0.13% | +0.02 |
| GLD SPDR Gold Shares | Add +0.1% | 0.46% | +0.02 |
| SBUX Starbucks Corp. | Add +3.8% | 0.11% | +0.02 |
| BLK BlackRock Inc. | Add +3.9% | 0.13% | +0.02 |
| DFAC Dimensional US Core Equity 2 | Add +8.9% | 0.26% | +0.02 |
| ACN Accenture PLC Class A | Add +5.3% | 0.14% | +0.02 |
| JNJ Johnson & Johnson | Add +0.7% | 0.34% | +0.01 |
| SCHM Schwab US Mid Cap ETF | Add +1.5% | 2.80% | +0.01 |
| IBDS Ishrs Ibnds Dec 27 Corp. ETF | Add +18.1% | 0.09% | +0.01 |
| IBDU iShares Ibonds Dec 2029 Term | Add +13.9% | 0.11% | +0.01 |
| COST Costco Wholesale Corp. | Add +8.3% | 0.17% | +0.01 |
| V Visa Inc. Class A | Add +5.8% | 0.23% | +0.01 |
| ABBV Abbvie Inc. | Add +0.1% | 0.09% | +0.01 |
| PANW Palo Alto Networks Inc. | Add +12.8% | 0.09% | +0.00 |
| IJR iShares Core S&P Small-Cap E | Add +0.0% | 0.25% | +0.00 |
| CRM Salesforce Inc. | Add +4.0% | 0.11% | +0.00 |
| IEFA iShares Core MSCI Eafe ETF | Add +1.5% | 0.17% | +0.00 |
| XLF SS Financial Select Sector | Add +0.0% | 0.08% | +0.00 |
| XLP SS Consumer Staples Sel Sect | Add +0.0% | 0.31% | +0.00 |
| IBDV iShares Ibonds Dec 2030 Corp. | Add +3.3% | 0.18% | −0.00 |
| PG The Procter & Gamble Co. | Add +0.8% | 0.10% | −0.00 |
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 |