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

0$100.0M$200.0M$300.0M$400.0M$500.0M Q1 2024: $272.4M Q1 2024 Q2 2024: $279.8M Q2 2024 Q3 2024: $302.0M $302.0M Q3 2024 Q4 2024: $310.2M Q4 2024 Q1 2025: $306.4M Q1 2025 Q2 2025: $338.5M Q2 2025 Q3 2025: $373.1M Q3 2025 Q4 2025: $388.0M Q4 2025 Q1 2026: $385.8M Q1 2026 Q2 2026: $431.8M Q2 2026

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
EFA iShares MSCI Eafe ETF 0.14% 4,885 $409K No change
IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS 0.13% 1,827 $404K Add +0.2%
REGN Regeneron Pharmaceuticals 0.13% 384 $404K No change
JMST JPM Ultra-Short Muni Income filed as J P MORGAN EXCHANGE TRADED F 0.13% 7,794 $397K Reduce -41.2%
ADBE Adobe Inc. 0.13% 765 $396K Add +6.1%
BLK BlackRock Inc. 0.13% 400 $380K Add +3.9%
DTD Wisdomtree US Total Dividend 0.13% 4,934 $378K No change
LULU Lululemon Athletica Inc. 0.12% 1,346 $365K Reduce -7.8%
INTU Intuit Inc. 0.12% 584 $363K Add +4.7%
IJH iShares Core S&P Midcap ETF 0.12% 5,713 $356K No change
POWR iShares US Power Infrastruct 0.12% 14,272 $354K Reduce -2.5%
IBDU iShares Ibonds Dec 2029 Term 0.11% 14,709 $346K Add +13.9%
CRM Salesforce Inc. 0.11% 1,249 $342K Add +4.0%
SBUX Starbucks Corp. 0.11% 3,488 $340K Add +3.8%
SPTM SS SPDR P S&P 1500 Comp ETF 0.11% 4,752 $333K No change
DFUS Dimensional US Eq MKT ETF 0.11% 5,346 $333K Reduce -3.3%
MRK Merck & Co. Inc. 0.11% 2,926 $332K Add +4.0%
GHY Pgim Global High Yield Fund 0.11% 25,764 $329K No change
DIS The Walt Disney Co. filed as DISNEY WALT CO 0.11% 3,389 $326K Reduce -10.7%
YUM Yum! Brands Inc. 0.11% 2,325 $325K No change
BILS SS Spdrb B 3-12M T-Bill ETF 0.10% 3,133 $312K Add +50.3%
PG The Procter & Gamble Co. 0.10% 1,755 $304K Add +0.8%
INTC Intel Corp. 0.10% 12,698 $298K Reduce -2.4%
XLE SS Energy Select Sector 0.10% 3,355 $295K Reduce -2.2%
SJNK SS SPDR BB St Hi Yield ETF 0.10% 11,241 $289K No change
IBDR iShares Ibonds Dec 2026 Term 0.10% 11,834 $288K No change
IBDS Ishrs Ibnds Dec 27 Corp. ETF 0.09% 11,279 $275K Add +18.1%
PANW Palo Alto Networks Inc. 0.09% 801 $274K Add +12.8%
ICF iShares Select U.S. REIT ETF 0.09% 4,120 $272K No change
IYW iShares Ustechnology ETF 0.09% 1,760 $267K No change
CEG Constellation Energy 0.09% 1,018 $265K New
AVLV Avantis US Large Cap Value 0.09% 3,977 $262K Reduce -11.9%
ABBV Abbvie Inc. 0.09% 1,325 $262K Add +0.1%
FDX FedEx Corp. 0.08% 924 $253K No change
VYMI Vanguard Int High DVD YLD Inc. 0.08% 3,368 $247K Reduce -1.2%
XLU St Sr Utl SL SE SPDR ETF-Usd 0.08% 3,048 $246K New
IGIB iShares 5-10Y Inv Grade Corp. 0.08% 4,518 $243K New
WFC Wells Fargo & Co. 0.08% 4,278 $242K Add +0.4%
SCHO Schwab Short-Term US Treas 0.08% 4,863 $238K New
XLF SS Financial Select Sector 0.08% 5,198 $236K Add +0.0%
TIP iShares Tips Bond ETF 0.08% 2,119 $234K No change
WMT Walmart Inc. 0.07% 2,775 $224K New
IBDY iShares Ibonds Dec 2033 Corp. 0.07% 8,383 $221K New
BA The Boeing Co. 0.07% 1,393 $212K Reduce -12.1%
IBB iShares Biotechnology ETF 0.07% 1,434 $209K New
BSMU Invesco Bulletshares 2030 MB 0.07% 9,381 $208K No change
IBDZ ISHARESIBONDSDEC2034TMCORP 0.07% 7,635 $204K New
IMMUNOPRECISE ANTIBODIES LTD 0.01% 26,808 $17K 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

QuarterPositions13F Reported ValueTop Holdings
Q2 2026 179$431.8MIVV, AAPL, SPDW, VCSH, DFGP
Q1 2026 177$385.8MIVV, AAPL, SPDW, VCSH, DFGP
Q4 2025 174$388.0MIVV, AAPL, SPDW, VCSH, SCHF
Q3 2025 167$373.1MIVV, AAPL, SPDW, VCSH, DFSD
Q2 2025 162$338.5MIVV, AAPL, SPDW, VCSH, SCHF
Q1 2025 155$306.4MIVV, AAPL, SPDW, VCSH, DFSD
Q4 2024 152$310.2MIVV, AAPL, VCSH, SPDW, TSLA
Q3 2024 148$302.0MIVV, AAPL, SPDW, VCSH, SCHF
Q2 2024 140$279.8MIVV, AAPL, VCSH, SPDW, SCHF
Q1 2024 139$272.4MIVV, AAPL, SPDW, SCHF, VCSH