Gradient Capital Advisors, LLC

CIK: 0001727917SEC EDGAR →

Portfolio Value

$388.0M

Holdings

174

As of

Q4 2025

New Positions

174

Closed Positions

0

Portfolio Value History

Top 10 Holdings

RankStockSharesValue% of Portfolio
1

ISHARES CORE S&P 500 ETF

52,144$35.7M
9.20%
2

APPLE INC COM

72,766$19.8M
5.10%
3

SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF

321,999$14.3M
3.69%
4

VANGUARD SHORT-TERM CORPORATE BOND ETF

171,922$13.7M
3.53%
5

SCHWAB INTERNATIONAL EQUITY ETF

448,349$10.8M
2.78%
6

DIMENSIONAL SHORT-DURATION FIXED INCOME ETF

224,458$10.8M
2.77%
7

SCHWAB U.S. MID-CAP ETF

315,981$9.5M
2.45%
8

DIMENSIONAL GLOBAL CORE PLUS FIXED INCOME ETF

164,336$8.9M
2.29%
9

DIMENSIONAL U.S. TARGETED VALUE ETF

140,565$8.4M
2.16%
10

VANGUARD LARGE-CAP ETF

25,323$8.0M
2.05%

Quarterly Changes

Top Buys

IVVNEW
$35.7M
AAPLNEW
$19.8M
SPDWNEW
$14.3M
VCSHNEW
$13.7M
SCHFNEW
$10.8M

Top Sells

No sells this quarter

New Positions (174)

$35.7M · 52K shares
$19.8M · 73K shares
$14.3M · 322K shares
$13.7M · 172K shares
$10.8M · 448K shares
$10.8M · 224K shares
$9.5M · 316K shares
$8.9M · 164K shares
$8.4M · 141K shares
$8.0M · 25K shares
$7.6M · 230K shares
$7.6M · 153K shares
$7.5M · 24K shares
$7.5M · 23K shares
$7.2M · 266K shares
$7.1M · 113K shares
$7.0M · 14K shares
$6.8M · 15K shares
$6.5M · 198K shares
$6.1M · 33K shares
$6.1M · 130K shares
$5.6M · 111K shares
$4.8M · 10K shares
$4.7M · 206K shares
$4.7M · 143K shares
$4.5M · 86K shares
$4.5M · 7K shares
$4.4M · 7K shares
$4.4M · 58K shares
$4.3M · 9K shares
$4.2M · 15K shares
$4.2M · 123K shares
$3.9M · 144K shares
$3.9M · 11K shares
$3.7M · 81K shares
$3.7M · 9K shares
$3.7M · 21K shares
$3.6M · 96K shares
$3.4M · 13K shares
$2.9M · 29K shares
$2.4M · 11K shares
$2.4M · 28K shares
$2.3M · 10K shares
$2.1M · 11K shares
$2.1M · 22K shares
$2.0M · 62K shares
$1.9M · 25K shares
$1.8M · 69K shares
$1.8M · 28K shares
$1.8M · 6K shares
$1.7M · 19K shares
$1.6M · 25K shares
$1.6M · 21K shares
$1.5M · 13K shares
$1.4M · 20K shares
$1.4M · 9K shares
$1.4M · 6K shares
$1.4M · 4K shares
$1.3M · 13K shares
$1.3M · 46K shares
$1.3M · 43K shares
$1.2M · 6K shares
$1.2M · 22K shares
$1.2M · 5K shares
$1.1M · 5K shares
$1.1M · 7K shares
$1.0M · 16K shares
$1.0M · 3K shares
$981K · 25K shares
$968K · 10K shares
$922K · 3K shares
$919K · 1K shares
$884K · 3K shares
$878K · 1K shares
$872K · 42K shares
$863K · 34K shares
$862K · 41K shares
$858K · 11K shares
$840K · 11K shares
$834K · 2K shares
$812K · 2K shares
$810K · 939 shares
$793K · 3K shares
$791K · 23K shares
$771K · 5K shares
$760K · 6K shares
$724K · 13K shares
$705K · 30K shares
$676K · 4K shares
$662K · 30K shares
$659K · 5K shares
$647K · 949 shares
$641K · 1K shares
$616K · 7K shares
$601K · 16K shares
$596K · 2K shares
$586K · 19K shares
$585K · 7K shares
$560K · 6K shares
$548K · 21K shares
$544K · 5K shares
$542K · 11K shares
$535K · 3K shares
$523K · 10K shares
$501K · 5K shares
$493K · 21K shares
$475K · 15K shares
$474K · 18K shares
$470K · 439 shares
$469K · 5K shares
$467K · 1K shares
$447K · 4K shares
$432K · 6K shares
$426K · 16K shares
$416K · 20K shares
$414K · 8K shares
$408K · 5K shares
$397K · 4K shares
$388K · 16K shares
$386K · 2K shares
$380K · 5K shares
$378K · 2K shares
$378K · 5K shares
$369K · 6K shares
$351K · 2K shares
$342K · 9K shares
$338K · 1K shares
$337K · 3K shares
$333K · 4K shares
$327K · 1K shares
$321K · 1K shares
$317K · 26K shares
$316K · 13K shares
$316K · 361 shares
$312K · 3K shares
$307K · 2K shares
$300K · 2K shares
$298K · 12K shares
$296K · 384 shares
$278K · 965 shares
$276K · 4K shares
$269K · 5K shares
$269K · 5K shares
$267K · 5K shares
$262K · 10K shares
$260K · 6K shares
$260K · 3K shares
$257K · 10K shares
$257K · 696 shares
$255K · 2K shares
$255K · 1K shares
$255K · 238 shares
$254K · 6K shares
$245K · 4K shares
$242K · 10K shares
$240K · 425 shares
$238K · 2K shares
$233K · 5K shares
$231K · 2K shares
$230K · 1K shares
$230K · 659 shares
$229K · 1K shares
$227K · 15K shares
$227K · 2K shares
$223K · 4K shares
$222K · 463 shares
$218K · 6K shares
$216K · 5K shares
$215K · 3K shares
$213K · 832 shares
$210K · 678 shares
$206K · 9K shares
$48K · 27K shares
$13K · 10K shares

Sector Breakdown

Sector# HoldingsValue%
Financial Services112$285.5M73.6%
Technology22$54.5M14.1%
Communication Services5$13.8M3.6%
Unknown6$11.1M2.8%
Consumer Cyclical7$11.0M2.8%
Healthcare9$3.8M1.0%
Industrials5$2.4M0.6%
Energy2$1.9M0.5%
Real Estate1$1.8M0.5%
Consumer Defensive3$1.4M0.4%
Utilities1$467K0.1%
Basic Materials1$397K0.1%