Gradient Capital Advisors, LLC
In its 13F for Q1 2026 (holdings as of March 31, 2026, filed April 16, 2026), Gradient Capital Advisors, LLC reported 177 stock positions worth $385.8 million. Its top holding was iShares Core S&P 500 ETF (IVV) at 9.0% of the portfolio, followed by Apple (AAPL, 4.7%) and Ste STR SPDR PT DW Eu ETF (SPDW, 3.7%). Compared with Q4 2025, it opened 6 new positions, sold out of 3, added to 47 and reduced 78. The biggest buy was a new position in iShares MSCI Emr MRK Ex Chna (EMXC) and the biggest sale Microsoft (MSFT, shares −3%).
- Most Recent 13F
- Q2 2026
- Location
- SAN DIEGO, CA
- CIK
- 0001727917
- Portfolio Value
- $385.8M (Q1 2026)
- SEC Filing
- 0001727917-26-000004 ↗ filed Apr 16, 2026
Holdings Value
Holdings 177 stocks · $385.8M
| IVV iShares Core S&P 500 ETF | 8.96% | 52,890 | $34.5M | Add +1.4% |
| AAPL Apple Inc. | 4.71% | 71,602 | $18.2M | Reduce -1.6% |
| SPDW Ste STR SPDR PT DW Eu ETF | 3.73% | 315,068 | $14.4M | Reduce -2.1% |
| VCSH Vanguard S/T Corp. Bond ETF | 3.62% | 176,181 | $14.0M | Add +2.5% |
| DFGP Dimensional GLBL Core PL Fix | 3.04% | 217,002 | $11.7M | Add +32.0% |
| DFSD Dimensional Short Duration | 2.90% | 233,695 | $11.2M | Add +4.1% |
| SCHF Schwab Intl Equity ETF | 2.79% | 435,148 | $10.8M | Reduce -2.9% |
| SCHM Schwab US Mid Cap ETF | 2.49% | 309,690 | $9.6M | Reduce -2.0% |
| DFAT Dimensional US Target Value | 2.24% | 138,540 | $8.7M | Reduce -1.4% |
| VTIP Vanguard Short-Term Tips | 2.10% | 161,880 | $8.1M | Add +5.5% |
| DFEM Dimensional Emrg MRKT Core | 2.06% | 229,480 | $7.9M | Reduce -0.4% |
| VV Vngrd Mrgstr LRG-Cap ETF-Usd | 1.95% | 25,213 | $7.5M | Reduce -0.4% |
| VEA Vanguard Ftse Developed ETF | 1.91% | 114,961 | $7.4M | Add +1.6% |
| GOOGL Alphabet Inc. Class A | 1.87% | 25,073 | $7.2M | Add +4.0% |
| DFSV Dimensional US Small Cap Val | 1.85% | 203,594 | $7.1M | Add +3.0% |
| SCHX Schwab US Large-Cap ETF | 1.74% | 261,172 | $6.7M | Reduce -1.8% |
| JPM JPMorgan Chase & Co. | 1.73% | 22,672 | $6.7M | Reduce -1.9% |
| DFUV Dimensional US Marketwide Va | 1.58% | 125,919 | $6.1M | Reduce -3.5% |
| NVDA Nvidia Corp. | 1.47% | 32,507 | $5.7M | Reduce -0.3% |
| JPST JPMorgan Ultra-Short Income | 1.37% | 104,256 | $5.3M | Reduce -6.3% |
| MSFT Microsoft Corp. | 1.34% | 14,016 | $5.2M | Reduce -3.1% |
| DFAR Dimensional US Real Est ETF | 1.31% | 214,197 | $5.1M | Add +4.0% |
| TSLA Tesla Inc. | 1.31% | 13,602 | $5.1M | Reduce -10.7% |
| DFAX Dimensional World Ex US Core | 1.27% | 143,898 | $4.9M | Add +0.9% |
| BRK.B Berkshire Hathaway Inc. Class B | 1.21% | 9,741 | $4.7M | Add +2.4% |
| DFLV Dim US Large Cap Value ETF | 1.19% | 128,656 | $4.6M | Add +4.5% |
| SCHD Schwab US DVD Equity ETF | 1.19% | 149,003 | $4.6M | Add +3.7% |
| IGSB iShares 1-5Y Inv Grade Corp. | 1.17% | 85,562 | $4.5M | Reduce -0.3% |
| LRCX Lam Research Corp. | 1.14% | 20,607 | $4.4M | Reduce -3.5% |
| VXUS Vanguard Total Intl Stock | 1.12% | 55,891 | $4.3M | Reduce -4.3% |
| VOO Vanguard S&P 500 ETF | 1.09% | 7,027 | $4.2M | Reduce -1.1% |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 1.07% | 14,315 | $4.1M | Reduce -1.9% |
| GLD SPDR Gold Shares | 1.05% | 9,446 | $4.1M | Add +1.4% |
| META Meta Platforms Inc. Class A | 0.95% | 6,393 | $3.7M | Reduce -4.5% |
| VNQI Vanguard GLBL Ex-US Real Est | 0.95% | 82,029 | $3.6M | Add +0.7% |
| DISV Dimensional International SM | 0.93% | 91,295 | $3.6M | Reduce -4.5% |
| AVGO Broadcom Inc. | 0.89% | 11,131 | $3.4M | Reduce -1.4% |
| VB Vanguard Most SM-Cap ETF-Usd | 0.88% | 12,940 | $3.4M | Reduce -0.7% |
| VUG Vanguard Mrngstar GR ETF-Sui | 0.82% | 7,241 | $3.2M | Reduce -17.3% |
| EMXC iShares MSCI Emr MRK Ex Chna | 0.77% | 37,853 | $3.0M | New |
| GLDM SPDR Gold Minishares Trust | 0.62% | 25,883 | $2.4M | Reduce -7.0% |
| VTV Vanguard Mrngstr Val ETF-Aui | 0.57% | 11,267 | $2.2M | Add +2.5% |
| BILS SS Spdrb B 3-12M T-Bill ETF | 0.57% | 22,093 | $2.2M | Reduce -23.3% |
| VBR Vngrd Mrngst SL-CP Val ETF-U | 0.56% | 9,878 | $2.1M | Reduce -12.8% |
| AVDV Avantis Intl S/C Value ETF | 0.56% | 21,489 | $2.1M | Reduce -2.2% |
| AMZN Amazon.com Inc. | 0.54% | 9,977 | $2.1M | Reduce -0.6% |
| DFAE Dimensional Emerging Core Eq | 0.52% | 58,748 | $2.0M | Reduce -5.6% |
| TSM Taiwan Semiconductor-SP ADR | 0.51% | 5,868 | $2.0M | Reduce -0.3% |
| CVX Chevron Corp. | 0.50% | 9,242 | $1.9M | Reduce -0.3% |
| WPC WP Carey Inc. | 0.49% | 27,925 | $1.9M | Reduce -0.3% |
| CSCO Cisco Systems Inc. | 0.49% | 24,308 | $1.9M | Reduce -1.6% |
| SCHB Schwab US Broad Market ETF | 0.45% | 69,550 | $1.7M | Add +0.5% |
| VNQ Vanguard Real Estate ETF | 0.44% | 19,131 | $1.7M | Reduce -1.4% |
| AVMC Avantis US Mid Cap Eq ETF | 0.43% | 22,776 | $1.6M | Add +13.3% |
| SLV iShares Silver Trust | 0.42% | 23,899 | $1.6M | Reduce -3.3% |
| BNY Bank of New York Mellon Corp. filed as BANK NEW YORK MELLON CORP | 0.41% | 13,395 | $1.6M | Add +0.4% |
| VEU Vanguard Ftse All-World Ex-U | 0.41% | 20,839 | $1.6M | Reduce -2.7% |
| AVUV Avantis US Small Cap Value | 0.37% | 12,981 | $1.4M | Reduce -0.7% |
| IWM iShares Russell 2000 ETF | 0.36% | 5,584 | $1.4M | Reduce -1.4% |
| JNJ Johnson & Johnson | 0.34% | 5,389 | $1.3M | Reduce -0.7% |
| VTI VG Morningstar TS MKT ETF-US | 0.34% | 4,095 | $1.3M | Add +0.7% |
| SCHA Schwab US Small-Cap ETF | 0.34% | 44,481 | $1.3M | Reduce -2.3% |
| SCHV Schwab US Large-Cap Value | 0.31% | 39,148 | $1.2M | Reduce -8.0% |
| AMGN Amgen Inc. | 0.28% | 3,096 | $1.1M | Add +0.2% |
| VIG Vanguard Dividend Apprec ETF | 0.27% | 4,926 | $1.1M | Reduce -10.9% |
| BAC Bank of America Corp. filed as BANK AMERICA CORP | 0.27% | 21,697 | $1.1M | Add +0.3% |
| LMT Lockheed Martin Corp. | 0.27% | 1,733 | $1.0M | Add +0.4% |
| AMD Advanced Micro Devices | 0.26% | 4,910 | $999K | Reduce -10.0% |
| SGOV iShares 0-3 Month Treasury B | 0.26% | 9,860 | $993K | Add +2.1% |
| DFAC Dimensional US Core Equity 2 | 0.26% | 25,524 | $992K | Add +2.9% |
| FEZ State Street SPDR Euro Stoxx | 0.25% | 15,485 | $961K | Reduce -3.1% |
| COST Costco Wholesale Corp. | 0.24% | 941 | $937K | Add +0.2% |
| XLP SS Consumer Staples Sel Sect | 0.23% | 11,055 | $906K | Add +0.0% |
| IBDX iShares Ibonds Dec 2032 TC | 0.22% | 34,329 | $868K | Add +1.5% |
| SCHH Schwab US REIT ETF | 0.22% | 39,881 | $857K | Reduce -4.5% |
| BSV Vanguard Short-Term Bond ETF | 0.22% | 10,894 | $854K | Add +2.1% |
| IBDW iShares Ibonds Dec 2031 Corp. | 0.22% | 40,801 | $854K | No change |
| DFIC Dimensional International Co. | 0.21% | 22,962 | $816K | No change |
| GOOG Alphabet Inc. Class C | 0.21% | 2,819 | $809K | Add +0.0% |
| QQQ Invesco QQQ Trust Series 1 | 0.21% | 1,386 | $800K | Reduce -7.4% |
| V Visa Inc. Class A | 0.21% | 2,629 | $795K | No change |
| IJR iShares Core S&P Small-Cap E | 0.20% | 6,329 | $787K | Add +0.0% |
| VYM Vanguard High DVD Yield ETF | 0.20% | 5,307 | $786K | Reduce -1.3% |
| HD Home Depot Inc. | 0.20% | 2,365 | $778K | Add +0.1% |
| CAT Caterpillar Inc. | 0.19% | 1,056 | $748K | Reduce -5.7% |
| VHT Vanguard Health Care ETF | 0.19% | 2,719 | $741K | Reduce -1.3% |
| SCHZ Schwab US Aggregate Bond ETF | 0.18% | 29,746 | $691K | Reduce -1.4% |
| IBDV iShares Ibonds Dec 2030 Corp. | 0.17% | 29,999 | $657K | No change |
| QCOM Qualcomm Inc. | 0.17% | 5,097 | $656K | Reduce -22.0% |
| NFLX Netflix Inc. | 0.17% | 6,705 | $645K | Add +1.9% |
| XOM Exxon Mobil Corp. | 0.16% | 3,696 | $627K | Reduce -0.7% |
| VWO Vanguard Ftse Emerging Marke | 0.16% | 11,431 | $618K | Reduce -15.2% |
| DFAI Dimensional International Co. | 0.16% | 15,599 | $608K | Reduce -1.1% |
| IVW iShares S&P 500 Growth ETF | 0.16% | 5,352 | $605K | No change |
| SPSB SS SPDR P St C Corp. ETF | 0.15% | 19,432 | $584K | Add +0.0% |
| IEFA iShares Core MSCI Eafe ETF | 0.15% | 6,372 | $577K | Reduce -2.6% |
| SCHP Schwab U.S. Tips ETF | 0.14% | 20,703 | $551K | No change |
| VUSB Vanguard Ultra Short Bond Et | 0.14% | 10,875 | $541K | No change |
| LQD Ishr Ibx Usd Invgd CB ETF-Ui | 0.14% | 4,948 | $539K | Add +0.2% |
| IVE iShares S&P 500 Value ETF | 0.14% | 2,523 | $533K | No change |
Portfolio Sells Q4 2025 → Q1 2026
| MSFT Microsoft Corp. | Reduce -3.1% | 1.34% | −0.46 |
| TSLA Tesla Inc. | Reduce -10.7% | 1.31% | −0.45 |
| AAPL Apple Inc. | Reduce -1.6% | 4.71% | −0.39 |
| VUG Vanguard Mrngstar GR ETF-Sui | Reduce -17.3% | 0.82% | −0.28 |
| JPM JPMorgan Chase & Co. | Reduce -1.9% | 1.73% | −0.19 |
| META Meta Platforms Inc. Class A | Reduce -4.5% | 0.95% | −0.19 |
| BILS SS Spdrb B 3-12M T-Bill ETF | Reduce -23.3% | 0.57% | −0.17 |
| INTU Intuit Inc. | Reduce -29.7% | 0.10% | −0.12 |
| QCOM Qualcomm Inc. | Reduce -22.0% | 0.17% | −0.12 |
| AVGO Broadcom Inc. | Reduce -1.4% | 0.89% | −0.11 |
| SCHX Schwab US Large-Cap ETF | Reduce -1.8% | 1.74% | −0.11 |
| VV Vngrd Mrgstr LRG-Cap ETF-Usd | Reduce -0.4% | 1.95% | −0.10 |
| NVDA Nvidia Corp. | Reduce -0.3% | 1.47% | −0.10 |
| JPST JPMorgan Ultra-Short Income | Reduce -6.3% | 1.37% | −0.08 |
| LLY Eli Lilly & Co. | Sold out | 0.00% | −0.07 |
| ISRG Intuitive Surgical Inc. | Sold out | 0.00% | −0.06 |
| VBR Vngrd Mrngst SL-CP Val ETF-U | Reduce -12.8% | 0.56% | −0.06 |
| ADBE Adobe Inc. | Sold out | 0.00% | −0.06 |
| VOO Vanguard S&P 500 ETF | Reduce -1.1% | 1.09% | −0.06 |
| AMZN Amazon.com Inc. | Reduce -0.6% | 0.54% | −0.06 |
| AMD Advanced Micro Devices | Reduce -10.0% | 0.26% | −0.04 |
| CEG Constellation Energy | Reduce -17.1% | 0.08% | −0.04 |
| VIG Vanguard Dividend Apprec ETF | Reduce -10.9% | 0.27% | −0.04 |
| QQQ Invesco QQQ Trust Series 1 | Reduce -7.4% | 0.21% | −0.03 |
| SPY SS SPDR S&P 500 ETF Trust-US | Reduce -13.8% | 0.14% | −0.03 |
| OFIX Orthofix Medical Inc. | Reduce -33.3% | 0.03% | −0.03 |
| SCHO Schwab Short-Term US Treas | Reduce -28.7% | 0.07% | −0.03 |
| VWO Vanguard Ftse Emerging Marke | Reduce -15.2% | 0.16% | −0.03 |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | Reduce -1.9% | 1.07% | −0.03 |
| CRM Salesforce Inc. | Reduce -1.2% | 0.06% | −0.03 |
| VXUS Vanguard Total Intl Stock | Reduce -4.3% | 1.12% | −0.02 |
| XLF SS Financial Select Sector | Reduce -8.8% | 0.09% | −0.02 |
| FEZ State Street SPDR Euro Stoxx | Reduce -3.1% | 0.25% | −0.02 |
| SCHV Schwab US Large-Cap Value | Reduce -8.0% | 0.31% | −0.01 |
| XLK SS Technology Select Sector | Reduce -12.6% | 0.06% | −0.01 |
| VHT Vanguard Health Care ETF | Reduce -1.3% | 0.19% | −0.01 |
| PANW Palo Alto Networks Inc. | Reduce -4.5% | 0.06% | −0.01 |
| NEM Newmont Corp. | Reduce -17.9% | 0.09% | −0.01 |
| JSCP JPMorgan Short Duration Core | Reduce -12.5% | 0.05% | −0.01 |
| DFAE Dimensional Emerging Core Eq | Reduce -5.6% | 0.52% | −0.01 |
| VYMI Vanguard Int High DVD YLD Inc. | Reduce -11.6% | 0.06% | −0.00 |
| IGSB iShares 1-5Y Inv Grade Corp. | Reduce -0.3% | 1.17% | −0.00 |
| SCHH Schwab US REIT ETF | Reduce -4.5% | 0.22% | −0.00 |
| DISV Dimensional International SM | Reduce -4.5% | 0.93% | −0.00 |
| SCHZ Schwab US Aggregate Bond ETF | Reduce -1.4% | 0.18% | −0.00 |
| VNQ Vanguard Real Estate ETF | Reduce -1.4% | 0.44% | −0.00 |
| CSCO Cisco Systems Inc. | Reduce -1.6% | 0.49% | −0.00 |
| IEFA iShares Core MSCI Eafe ETF | Reduce -2.6% | 0.15% | −0.00 |
| JMST JPM Ultra-Short Muni Income | Reduce -1.5% | 0.13% | −0.00 |
| AGG iShares Core U.S. Aggregate | Reduce -0.8% | 0.13% | −0.00 |
Portfolio Buys Q4 2025 → Q1 2026
| EMXC iShares MSCI Emr MRK Ex Chna | New | 0.77% | +0.77 |
| DFGP Dimensional GLBL Core PL Fix | Add +32.0% | 3.04% | +0.75 |
| DFSV Dimensional US Small Cap Val | Add +3.0% | 1.85% | +0.17 |
| SCHD Schwab US DVD Equity ETF | Add +3.7% | 1.19% | +0.17 |
| VTIP Vanguard Short-Term Tips | Add +5.5% | 2.10% | +0.14 |
| DFSD Dimensional Short Duration | Add +4.1% | 2.90% | +0.13 |
| EWJV iShares MSCI Japan Value ETF | New | 0.11% | +0.11 |
| DFLV Dim US Large Cap Value ETF | Add +4.5% | 1.19% | +0.11 |
| GLD SPDR Gold Shares | Add +1.4% | 1.05% | +0.10 |
| DFAR Dimensional US Real Est ETF | Add +4.0% | 1.31% | +0.10 |
| FEOE First Eagle Overseas Eq ETF | New | 0.10% | +0.10 |
| MU Micron Technology Inc. | New | 0.09% | +0.09 |
| VEA Vanguard Ftse Developed ETF | Add +1.6% | 1.91% | +0.09 |
| VCSH Vanguard S/T Corp. Bond ETF | Add +2.5% | 3.62% | +0.09 |
| DFAX Dimensional World Ex US Core | Add +0.9% | 1.27% | +0.06 |
| AVMC Avantis US Mid Cap Eq ETF | Add +13.3% | 0.43% | +0.06 |
| LMT Lockheed Martin Corp. | Add +0.4% | 0.27% | +0.06 |
| SO The Southern Co. | New | 0.05% | +0.05 |
| VCIT Vanguard Int-Term Corporate | New | 0.05% | +0.05 |
| COST Costco Wholesale Corp. | Add +0.2% | 0.24% | +0.03 |
| VTV Vanguard Mrngstr Val ETF-Aui | Add +2.5% | 0.57% | +0.03 |
| AMGN Amgen Inc. | Add +0.2% | 0.28% | +0.02 |
| INTC Intel Corp. | Add +0.2% | 0.11% | +0.02 |
| XLP SS Consumer Staples Sel Sect | Add +0.0% | 0.23% | +0.01 |
| BNY Bank of New York Mellon Corp. | Add +0.4% | 0.41% | +0.01 |
| AVLV Avantis US Large Cap Value | Add +6.5% | 0.08% | +0.01 |
| PFE Pfizer Inc. | Add +0.2% | 0.08% | +0.01 |
| NFLX Netflix Inc. | Add +1.9% | 0.17% | +0.01 |
| IJR iShares Core S&P Small-Cap E | Add +0.0% | 0.20% | +0.01 |
| SGOV iShares 0-3 Month Treasury B | Add +2.1% | 0.26% | +0.01 |
| KRE SS SPDR S&P Regional Bank | Add +10.8% | 0.06% | +0.01 |
| SBUX Starbucks Corp. | Add +0.1% | 0.09% | +0.01 |
| BSV Vanguard Short-Term Bond ETF | Add +2.1% | 0.22% | +0.00 |
| DFAC Dimensional US Core Equity 2 | Add +2.9% | 0.26% | +0.00 |
| DFAU Dimensional US Core Equity M | Add +8.7% | 0.06% | +0.00 |
| IBDX iShares Ibonds Dec 2032 TC | Add +1.5% | 0.22% | +0.00 |
| DFUS Dimensional US Eq MKT ETF | Add +5.1% | 0.10% | +0.00 |
| SPSB SS SPDR P St C Corp. ETF | Add +0.0% | 0.15% | +0.00 |
| SJNK SS SPDR BB St Hi Yield ETF | Add +1.0% | 0.07% | +0.00 |
| LQD Ishr Ibx Usd Invgd CB ETF-Ui | Add +0.2% | 0.14% | −0.00 |
| ABBV Abbvie Inc. | Add +0.1% | 0.08% | −0.00 |
| HD Home Depot Inc. | Add +0.1% | 0.20% | −0.01 |
| VTI VG Morningstar TS MKT ETF-US | Add +0.7% | 0.34% | −0.01 |
| SCHB Schwab US Broad Market ETF | Add +0.5% | 0.45% | −0.02 |
| VNQI Vanguard GLBL Ex-US Real Est | Add +0.7% | 0.95% | −0.02 |
| GOOG Alphabet Inc. Class C | Add +0.0% | 0.21% | −0.02 |
| ORCL Oracle Corp. | Add +5.3% | 0.08% | −0.02 |
| WFC Wells Fargo & Co. | Add +0.3% | 0.12% | −0.02 |
| BRK.B Berkshire Hathaway Inc. Class B | Add +2.4% | 1.21% | −0.02 |
| IBM Intl Business Machines Corp. | Add +0.1% | 0.13% | −0.03 |
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 |