Gradient Capital Advisors, LLC
In its 13F for Q4 2024 (holdings as of December 31, 2024, filed January 29, 2025), Gradient Capital Advisors, LLC reported 152 stock positions worth $310.2 million. Its top holding was iShares Core S&P 500 ETF (IVV) at 9.6% of the portfolio, followed by Apple (AAPL, 6.4%) and Vanguard S/T Corp. Bond ETF (VCSH, 3.9%). Compared with Q3 2024, it opened 6 new positions, sold out of 2, added to 61 and reduced 66. The biggest buy was Tesla (TSLA, shares +1%) and the biggest sale Schwab Intl Equity ETF (SCHF, shares −0%).
- Most Recent 13F
- Q2 2026
- Location
- SAN DIEGO, CA
- CIK
- 0001727917
- Portfolio Value
- $310.2M (Q4 2024)
- SEC Filing
- 0001727917-25-000002 ↗ filed Jan 29, 2025
Holdings Value
Holdings 152 stocks · $310.2M
| IVV iShares Core S&P 500 ETF | 9.56% | 50,379 | $29.7M | Add +0.4% |
| AAPL Apple Inc. | 6.42% | 79,556 | $19.9M | Reduce -2.3% |
| VCSH Vanguard S/T Corp. Bond ETF | 3.92% | 155,889 | $12.2M | Add +7.8% |
| SPDW Ste STR SPDR PT DW Eu ETF | 3.68% | 334,459 | $11.4M | Add +5.8% |
| TSLA Tesla Inc. | 3.13% | 24,028 | $9.7M | Add +1.5% |
| SCHF Schwab Intl Equity ETF | 2.91% | 487,703 | $9.0M | Reduce -0.1% |
| DFSD Dimensional Short Duration | 2.83% | 187,466 | $8.8M | Add +19.6% |
| SCHM Schwab US Mid Cap ETF | 2.72% | 304,508 | $8.4M | Reduce -0.4% |
| DFAT Dimensional US Target Value | 2.43% | 135,626 | $7.5M | Reduce -0.3% |
| VTIP Vanguard Short-Term Tips | 2.38% | 152,606 | $7.4M | Add +7.5% |
| JPST JPMorgan Ultra-Short Income | 2.17% | 133,554 | $6.7M | Add +1.2% |
| SCHX Schwab US Large-Cap ETF | 2.12% | 283,488 | $6.6M | Reduce -2.3% |
| MSFT Microsoft Corp. | 1.99% | 14,633 | $6.2M | Reduce -0.7% |
| JPM JPMorgan Chase & Co. | 1.88% | 24,313 | $5.8M | Reduce -3.3% |
| DFEM Dimensional Emrg MRKT Core | 1.81% | 214,447 | $5.6M | Add +6.7% |
| DFUV Dimensional US Marketwide Va | 1.70% | 128,651 | $5.3M | Reduce -0.1% |
| VV Vngrd Mrgstr LRG-Cap ETF-Usd | 1.69% | 19,464 | $5.2M | No change |
| VEA Vanguard Ftse Developed ETF | 1.59% | 103,069 | $4.9M | Add +9.7% |
| DFAR Dimensional US Real Est ETF | 1.38% | 184,165 | $4.3M | Add +3.0% |
| VOO Vanguard S&P 500 ETF | 1.35% | 7,789 | $4.2M | Reduce -3.5% |
| VUG Vanguard Mrngstar GR ETF-Sui | 1.34% | 10,156 | $4.2M | Reduce -2.4% |
| GOOGL Alphabet Inc. Class A | 1.34% | 21,959 | $4.2M | Reduce -3.1% |
| IGSB iShares 1-5Y Inv Grade Corp. | 1.29% | 77,652 | $4.0M | Add +20.7% |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 1.29% | 15,183 | $4.0M | Add +2.5% |
| VXUS Vanguard Total Intl Stock | 1.24% | 65,519 | $3.9M | Add +2.2% |
| NVDA Nvidia Corp. | 1.24% | 28,548 | $3.8M | Reduce -1.4% |
| BRK.B Berkshire Hathaway Inc. Class B | 1.21% | 8,287 | $3.8M | Add +0.5% |
| META Meta Platforms Inc. Class A | 1.18% | 6,261 | $3.7M | Add +1.8% |
| SCHD Schwab US DVD Equity ETF | 1.15% | 130,147 | $3.6M | Add +0.2% |
| DFSV Dimensional US Small Cap Val | 1.14% | 114,691 | $3.5M | Add +22.9% |
| VB Vanguard Most SM-Cap ETF-Usd | 1.02% | 13,163 | $3.2M | Reduce -4.4% |
| DFAX Dimensional World Ex US Core | 0.98% | 122,752 | $3.1M | Add +6.8% |
| VNQI Vanguard GLBL Ex-US Real Est | 0.88% | 69,282 | $2.7M | Add +6.8% |
| VBR Vngrd Mrngst SL-CP Val ETF-U | 0.78% | 12,231 | $2.4M | Add +11.4% |
| DISV Dimensional International SM | 0.77% | 89,978 | $2.4M | Add +7.9% |
| DFLV Dim US Large Cap Value ETF | 0.77% | 79,161 | $2.4M | Add +20.6% |
| AVGO Broadcom Inc. | 0.70% | 9,360 | $2.2M | Reduce -4.5% |
| AMZN Amazon.com Inc. | 0.66% | 9,354 | $2.1M | Reduce -0.7% |
| VTV Vanguard Mrngstr Val ETF-Aui | 0.58% | 10,702 | $1.8M | Add +3.2% |
| BILS SS Spdrb B 3-12M T-Bill ETF | 0.57% | 17,937 | $1.8M | Add +472.5% |
| SCHB Schwab US Broad Market ETF | 0.57% | 77,553 | $1.8M | Reduce -0.9% |
| DFAE Dimensional Emerging Core Eq | 0.56% | 68,450 | $1.7M | Add +4.8% |
| LRCX Lam Research Corp. | 0.53% | 22,883 | $1.7M | Reduce -0.1% |
| GLDM SPDR Gold Minishares Trust | 0.53% | 31,702 | $1.6M | Reduce -3.8% |
| IWM iShares Russell 2000 ETF | 0.53% | 7,446 | $1.6M | Reduce -1.4% |
| WPC WP Carey Inc. | 0.52% | 29,812 | $1.6M | Reduce -5.2% |
| CVX Chevron Corp. | 0.50% | 10,726 | $1.6M | Reduce -1.2% |
| VNQ Vanguard Real Estate ETF | 0.49% | 17,038 | $1.5M | Reduce -1.4% |
| AVDV Avantis Intl S/C Value ETF | 0.47% | 22,293 | $1.5M | Add +7.4% |
| GLD SPDR Gold Shares | 0.45% | 5,743 | $1.4M | Add +0.7% |
| QCOM Qualcomm Inc. | 0.43% | 8,697 | $1.3M | Reduce -0.7% |
| VTI VG Morningstar TS MKT ETF-US | 0.40% | 4,238 | $1.2M | Reduce -3.4% |
| AMD Advanced Micro Devices | 0.39% | 10,092 | $1.2M | Add +2.3% |
| SCHV Schwab US Large-Cap Value | 0.37% | 44,515 | $1.2M | Reduce -3.5% |
| VEU Vanguard Ftse All-World Ex-U | 0.36% | 19,594 | $1.1M | Add +0.7% |
| VIG Vanguard Dividend Apprec ETF | 0.35% | 5,620 | $1.1M | Reduce -1.9% |
| AVUV Avantis US Small Cap Value | 0.35% | 11,241 | $1.1M | Add +0.2% |
| SCHA Schwab US Small-Cap ETF | 0.33% | 40,070 | $1.0M | Reduce -6.9% |
| CSCO Cisco Systems Inc. | 0.33% | 17,216 | $1.0M | Add +0.1% |
| BAC Bank of America Corp. filed as BANK AMERICA CORP | 0.33% | 23,188 | $1.0M | Add +1.2% |
| LMT Lockheed Martin Corp. | 0.32% | 2,038 | $990K | Reduce -0.4% |
| HD Home Depot Inc. | 0.30% | 2,416 | $940K | Reduce -2.2% |
| SCHH Schwab US REIT ETF | 0.29% | 43,110 | $908K | Reduce -1.2% |
| XLP SS Consumer Staples Sel Sect | 0.28% | 11,195 | $880K | Reduce -0.3% |
| AMGN Amgen Inc. | 0.27% | 3,257 | $849K | Reduce -8.9% |
| JNJ Johnson & Johnson | 0.27% | 5,813 | $841K | Reduce -9.0% |
| BSV Vanguard Short-Term Bond ETF | 0.27% | 10,870 | $840K | Reduce -12.7% |
| V Visa Inc. Class A | 0.26% | 2,576 | $814K | Add +1.3% |
| TSM Taiwan Semiconductor-SP ADR | 0.26% | 4,118 | $813K | Add +10.8% |
| VHT Vanguard Health Care ETF | 0.26% | 3,165 | $803K | Reduce -1.8% |
| IBDX iShares Ibonds Dec 2032 TC | 0.26% | 32,536 | $800K | Add +7.9% |
| DFAC Dimensional US Core Equity 2 | 0.26% | 23,016 | $796K | Add +2.5% |
| SCHZ Schwab US Aggregate Bond ETF | 0.25% | 34,291 | $778K | Reduce -7.3% |
| VWO Vanguard Ftse Emerging Marke | 0.25% | 17,513 | $771K | Reduce -10.4% |
| IBDW iShares Ibonds Dec 2031 Corp. | 0.25% | 37,516 | $763K | Add +8.3% |
| BX Blackstone Inc. | 0.24% | 4,383 | $756K | Reduce -2.3% |
| IJR iShares Core S&P Small-Cap E | 0.24% | 6,403 | $738K | Add +0.1% |
| VYM Vanguard High DVD Yield ETF | 0.23% | 5,510 | $703K | Add +0.5% |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.21% | 1,133 | $664K | Reduce -2.0% |
| NFLX Netflix Inc. | 0.21% | 719 | $641K | Reduce -0.6% |
| SPSB SS SPDR P St C Corp. ETF | 0.20% | 20,438 | $610K | Add +5.9% |
| GOOG Alphabet Inc. Class C | 0.19% | 3,121 | $594K | Reduce -7.7% |
| DFIC Dimensional International Co. | 0.19% | 22,962 | $593K | No change |
| IBDV iShares Ibonds Dec 2030 Corp. | 0.19% | 27,647 | $591K | Add +10.0% |
| SCHP Schwab U.S. Tips ETF | 0.19% | 22,444 | $580K | No change |
| LQD Ishr Ibx Usd Invgd CB ETF-Ui | 0.18% | 5,115 | $546K | Reduce -0.0% |
| IVW iShares S&P 500 Growth ETF | 0.18% | 5,352 | $543K | Reduce -2.4% |
| VUSB Vanguard Ultra Short Bond Et | 0.17% | 10,821 | $537K | Reduce -32.3% |
| QQQ Invesco QQQ Trust Series 1 | 0.17% | 1,005 | $514K | No change |
| COST Costco Wholesale Corp. | 0.16% | 557 | $510K | Reduce -1.1% |
| AGG iShares Core U.S. Aggregate | 0.16% | 5,239 | $508K | No change |
| LULU Lululemon Athletica Inc. | 0.16% | 1,304 | $499K | Reduce -3.1% |
| IVE iShares S&P 500 Value ETF | 0.16% | 2,590 | $494K | Reduce -6.1% |
| CAT Caterpillar Inc. | 0.15% | 1,305 | $474K | Reduce -1.4% |
| DFAI Dimensional International Co. | 0.15% | 15,883 | $464K | Reduce -1.3% |
| IEFA iShares Core MSCI Eafe ETF | 0.15% | 6,458 | $454K | Reduce -0.1% |
| BLK BlackRock Inc. | 0.14% | 426 | $436K | Add +6.5% |
| XOM Exxon Mobil Corp. | 0.14% | 4,003 | $431K | Add +0.1% |
| ACN Accenture PLC Class A | 0.14% | 1,219 | $429K | Reduce -0.3% |
| CRM Salesforce Inc. | 0.13% | 1,249 | $418K | No change |
Portfolio Sells Q3 2024 → Q4 2024
| SCHF Schwab Intl Equity ETF | Reduce -0.1% | 2.91% | −0.42 |
| WPC WP Carey Inc. | Reduce -5.2% | 0.52% | −0.13 |
| MSFT Microsoft Corp. | Reduce -0.7% | 1.99% | −0.11 |
| AMGN Amgen Inc. | Reduce -8.9% | 0.27% | −0.11 |
| VUSB Vanguard Ultra Short Bond Et | Reduce -32.3% | 0.17% | −0.09 |
| PFE Pfizer Inc. | Reduce -33.5% | 0.13% | −0.09 |
| LRCX Lam Research Corp. | Reduce -0.1% | 0.53% | −0.09 |
| SCHM Schwab US Mid Cap ETF | Reduce -0.4% | 2.72% | −0.08 |
| VYMI Vanguard Int High DVD YLD Inc. | Sold out | 0.00% | −0.08 |
| DFUV Dimensional US Marketwide Va | Reduce -0.1% | 1.70% | −0.08 |
| LMT Lockheed Martin Corp. | Reduce -0.4% | 0.32% | −0.08 |
| DFAT Dimensional US Target Value | Reduce -0.3% | 2.43% | −0.07 |
| JNJ Johnson & Johnson | Reduce -9.0% | 0.27% | −0.07 |
| IBB iShares Biotechnology ETF | Sold out | 0.00% | −0.07 |
| VNQ Vanguard Real Estate ETF | Reduce -1.4% | 0.49% | −0.07 |
| QCOM Qualcomm Inc. | Reduce -0.7% | 0.43% | −0.06 |
| VB Vanguard Most SM-Cap ETF-Usd | Reduce -4.4% | 1.02% | −0.06 |
| VWO Vanguard Ftse Emerging Marke | Reduce -10.4% | 0.25% | −0.06 |
| VOO Vanguard S&P 500 ETF | Reduce -3.5% | 1.35% | −0.06 |
| SCHX Schwab US Large-Cap ETF | Reduce -2.3% | 2.12% | −0.06 |
| BSV Vanguard Short-Term Bond ETF | Reduce -12.7% | 0.27% | −0.05 |
| VHT Vanguard Health Care ETF | Reduce -1.8% | 0.26% | −0.04 |
| SCHH Schwab US REIT ETF | Reduce -1.2% | 0.29% | −0.04 |
| SCHZ Schwab US Aggregate Bond ETF | Reduce -7.3% | 0.25% | −0.04 |
| GLDM SPDR Gold Minishares Trust | Reduce -3.8% | 0.53% | −0.04 |
| SCHV Schwab US Large-Cap Value | Reduce -3.5% | 0.37% | −0.04 |
| SCHA Schwab US Small-Cap ETF | Reduce -6.9% | 0.33% | −0.03 |
| YUM Yum! Brands Inc. | Reduce -21.5% | 0.08% | −0.03 |
| CVX Chevron Corp. | Reduce -1.2% | 0.50% | −0.03 |
| HD Home Depot Inc. | Reduce -2.2% | 0.30% | −0.03 |
| XLP SS Consumer Staples Sel Sect | Reduce -0.3% | 0.28% | −0.02 |
| ADBE Adobe Inc. | Reduce -0.9% | 0.11% | −0.02 |
| IWM iShares Russell 2000 ETF | Reduce -1.4% | 0.53% | −0.02 |
| VIG Vanguard Dividend Apprec ETF | Reduce -1.9% | 0.35% | −0.02 |
| IVE iShares S&P 500 Value ETF | Reduce -6.1% | 0.16% | −0.02 |
| IEFA iShares Core MSCI Eafe ETF | Reduce -0.1% | 0.15% | −0.02 |
| DFAI Dimensional International Co. | Reduce -1.3% | 0.15% | −0.02 |
| CAT Caterpillar Inc. | Reduce -1.4% | 0.15% | −0.02 |
| POWR iShares US Power Infrastruct | Reduce -4.8% | 0.10% | −0.02 |
| VTI VG Morningstar TS MKT ETF-US | Reduce -3.4% | 0.40% | −0.02 |
| LQD Ishr Ibx Usd Invgd CB ETF-Ui | Reduce -0.0% | 0.18% | −0.02 |
| SBUX Starbucks Corp. | Reduce -2.8% | 0.10% | −0.01 |
| SPLV Invesco S&P 500 Low Volatili | Reduce -2.9% | 0.13% | −0.01 |
| SCHB Schwab US Broad Market ETF | Reduce -0.9% | 0.57% | −0.01 |
| TIP iShares Tips Bond ETF | Reduce -2.3% | 0.07% | −0.01 |
| SPY SS SPDR S&P 500 ETF Trust-US | Reduce -2.0% | 0.21% | −0.01 |
| IJH iShares Core S&P Midcap ETF | Reduce -1.9% | 0.11% | −0.01 |
| ACN Accenture PLC Class A | Reduce -0.3% | 0.14% | −0.00 |
| AVLV Avantis US Large Cap Value | Reduce -3.8% | 0.08% | −0.00 |
| DFUS Dimensional US Eq MKT ETF | Reduce -1.9% | 0.11% | −0.00 |
Portfolio Buys Q3 2024 → Q4 2024
| TSLA Tesla Inc. | Add +1.5% | 3.13% | +1.08 |
| BILS SS Spdrb B 3-12M T-Bill ETF | Add +472.5% | 0.57% | +0.47 |
| DFSD Dimensional Short Duration | Add +19.6% | 2.83% | +0.36 |
| DFSV Dimensional US Small Cap Val | Add +22.9% | 1.14% | +0.19 |
| IGSB iShares 1-5Y Inv Grade Corp. | Add +20.7% | 1.29% | +0.17 |
| AVMC Avantis US Mid Cap Eq ETF | New | 0.13% | +0.13 |
| VCSH Vanguard S/T Corp. Bond ETF | Add +7.8% | 3.92% | +0.12 |
| DFLV Dim US Large Cap Value ETF | Add +20.6% | 0.77% | +0.10 |
| DFGP Dimensional GLBL Core PL Fix | New | 0.09% | +0.09 |
| JSCP JPMorgan Short Duration Core | New | 0.07% | +0.07 |
| PDBC Invesco Optimum Yield Divers | New | 0.07% | +0.07 |
| AXP American Express Co. | New | 0.07% | +0.07 |
| VTIP Vanguard Short-Term Tips | Add +7.5% | 2.38% | +0.07 |
| BMY Bristol-Myers Squibb Co. | New | 0.06% | +0.06 |
| VBR Vngrd Mrngst SL-CP Val ETF-U | Add +11.4% | 0.78% | +0.05 |
| TSM Taiwan Semiconductor-SP ADR | Add +10.8% | 0.26% | +0.05 |
| V Visa Inc. Class A | Add +1.3% | 0.26% | +0.03 |
| BAC Bank of America Corp. | Add +1.2% | 0.33% | +0.03 |
| CSCO Cisco Systems Inc. | Add +0.1% | 0.33% | +0.03 |
| META Meta Platforms Inc. Class A | Add +1.8% | 1.18% | +0.02 |
| BLK BlackRock Inc. | Add +6.5% | 0.14% | +0.01 |
| IBDZ ISHARESIBONDSDEC2034TMCORP | Add +30.0% | 0.08% | +0.01 |
| IBDY iShares Ibonds Dec 2033 Corp. | Add +27.6% | 0.09% | +0.01 |
| IBDU iShares Ibonds Dec 2029 Term | Add +16.1% | 0.13% | +0.01 |
| IBDV iShares Ibonds Dec 2030 Corp. | Add +10.0% | 0.19% | +0.01 |
| SJNK SS SPDR BB St Hi Yield ETF | Add +10.8% | 0.10% | +0.01 |
| SPSB SS SPDR P St C Corp. ETF | Add +5.9% | 0.20% | +0.00 |
| XLF SS Financial Select Sector | Add +0.0% | 0.08% | +0.00 |
| IBDW iShares Ibonds Dec 2031 Corp. | Add +8.3% | 0.25% | +0.00 |
| DFAC Dimensional US Core Equity 2 | Add +2.5% | 0.26% | +0.00 |
| JMST JPM Ultra-Short Muni Income | Add +4.3% | 0.13% | +0.00 |
| SCHO Schwab Short-Term US Treas | Add +6.1% | 0.08% | +0.00 |
| IBDX iShares Ibonds Dec 2032 TC | Add +7.9% | 0.26% | +0.00 |
| IBM Intl Business Machines Corp. | Add +3.8% | 0.13% | +0.00 |
| INTU Intuit Inc. | Add +0.9% | 0.12% | −0.00 |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | Add +2.5% | 1.29% | −0.00 |
| IBDR iShares Ibonds Dec 2026 Term | Add +1.8% | 0.09% | −0.00 |
| IBDS Ishrs Ibnds Dec 27 Corp. ETF | Add +1.8% | 0.09% | −0.00 |
| PG The Procter & Gamble Co. | Add +1.4% | 0.10% | −0.00 |
| XLE SS Energy Select Sector | Add +0.1% | 0.09% | −0.00 |
| CEG Constellation Energy | Add +12.0% | 0.08% | −0.01 |
| VYM Vanguard High DVD Yield ETF | Add +0.5% | 0.23% | −0.01 |
| AVUV Avantis US Small Cap Value | Add +0.2% | 0.35% | −0.01 |
| IJR iShares Core S&P Small-Cap E | Add +0.1% | 0.24% | −0.01 |
| ABBV Abbvie Inc. | Add +0.1% | 0.08% | −0.01 |
| GLD SPDR Gold Shares | Add +0.7% | 0.45% | −0.01 |
| MRK Merck & Co. Inc. | Add +3.3% | 0.10% | −0.01 |
| SCHE Schwab Emrg Mrkts Eqty ETF | Add +1.7% | 0.13% | −0.01 |
| VTV Vanguard Mrngstr Val ETF-Aui | Add +3.2% | 0.58% | −0.02 |
| INTC Intel Corp. | Add +0.7% | 0.08% | −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 |