Gradient Capital Advisors, LLC

CIK 0001727917 • 7 13F filings • May 5, 2025 – Oct 21, 2026

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Filer information

Filed by: Gradient Capital Advisors, LLC, Chief Compliance Officer
Address: 2125 POINSETTIA DRIVE, SAN DIEGO, CA, 92107
Phone: 619-255-0700
AUM: $388.0M

AUM over time

$433.0M latest

Sector allocation over time

Past 5 quarters

Q4 2025

Q3 2026

Q3 2025

Q2 2026

Q2 2025

TechnologyHealthcareConsumer DiscretionaryConsumer StaplesFinancialsIndustrialsEnergyReal EstateOther

Holdings by filing

Portfolio value: $306.4M155 positionsView on SEC.gov

			% of Portfolio
ABBVIE INC COM	Stock	$280K	0.1%	1,336 SH
ACCENTURE PLC IRELAND SHS CLASS A	Stock	$380K	0.1%	1,219 SH
ADOBE INC COM	Stock	$286K	0.1%	746 SH
ADVANCED MICRO DEVICES INC COM	Stock	$965K	0.3%	9,388 SH
ALPHABET INC CAP STK CL A	Stock	$3.4M	1.1%	21,907 SH
ALPHABET INC CAP STK CL C	Stock	$434K	0.1%	2,779 SH
AMAZON COM INC COM	Stock	$1.8M	0.6%	9,426 SH
AMGEN INC COM	Stock	$964K	0.3%	3,094 SH
APPLE INC COM	Stock	$17.0M	5.5%	76,347 SH
AVANTIS INTERNATIONAL SMALL CAP VALUE ETF	ETF	$1.7M	0.5%	24,032 SH
AVANTIS U.S. LARGE CAP VALUE ETF	ETF	$250K	0.1%	3,827 SH
AVANTIS U.S. MID CAP EQUITY ETF	ETF	$533K	0.2%	8,594 SH
AVANTIS U.S. SMALL CAP VALUE ETF	ETF	$980K	0.3%	11,241 SH
BANK AMERICA CORP COM	Stock	$971K	0.3%	23,262 SH
BERKSHIRE HATHAWAY INC DEL CL B NEW	Stock	$4.5M	1.5%	8,520 SH
BLACKROCK INC COM	Stock	$394K	0.1%	417 SH
BLACKSTONE INC COM	Stock	$613K	0.2%	4,383 SH
BOEING CO COM	Stock	$261K	0.1%	1,528 SH
BRISTOL-MYERS SQUIBB CO COM	Stock	$220K	0.1%	3,609 SH
BROADCOM INC COM	Stock	$1.6M	0.5%	9,700 SH
CATERPILLAR INC COM	Stock	$417K	0.1%	1,263 SH
CHEVRON CORP NEW COM	Stock	$1.7M	0.5%	9,888 SH
CISCO SYS INC COM	Stock	$1.1M	0.4%	17,643 SH
CONSTELLATION ENERGY CORP COM	Stock	$233K	0.1%	1,155 SH
CONSUMER STAPLES SELECT SECTOR SPDR FUND	ETF	$914K	0.3%	11,197 SH
COSTCO WHSL CORP NEW COM	Stock	$532K	0.2%	563 SH
DIMENSIONAL EMERGING CORE EQUITY MARKET ETF	ETF	$1.9M	0.6%	72,965 SH
DIMENSIONAL EMERGING MARKETS CORE EQUITY 2 ETF	ETF	$6.1M	2.0%	230,507 SH
DIMENSIONAL GLOBAL CORE PLUS FIXED INCOME ETF	ETF	$275K	0.1%	5,142 SH
DIMENSIONAL INTERNATIONAL CORE EQUITY 2 ETF	ETF	$638K	0.2%	22,962 SH
DIMENSIONAL INTERNATIONAL CORE EQUITY MARKET ETF	ETF	$496K	0.2%	15,883 SH
DIMENSIONAL INTERNATIONAL SMALL CAP VALUE ETF	ETF	$2.8M	0.9%	94,908 SH
DIMENSIONAL SHORT-DURATION FIXED INCOME ETF	ETF	$9.9M	3.2%	207,597 SH
DIMENSIONAL U.S. CORE EQUITY 2 ETF	ETF	$771K	0.3%	23,357 SH
DIMENSIONAL U.S. EQUITY MARKET ETF	ETF	$312K	0.1%	5,155 SH
DIMENSIONAL U.S. TARGETED VALUE ETF	ETF	$7.2M	2.3%	139,304 SH
DIMENSIONAL US LARGE CAP VALUE ETF	ETF	$2.9M	0.9%	94,786 SH
DIMENSIONAL US MARKETWIDE VALUE ETF	ETF	$5.3M	1.7%	129,346 SH
DIMENSIONAL US REAL ESTATE ETF	ETF	$4.5M	1.5%	190,767 SH
DIMENSIONAL US SMALL CAP VALUE ETF	ETF	$3.9M	1.3%	139,133 SH
DIMENSIONAL WORLD EX U.S. CORE EQUITY 2 ETF	ETF	$3.5M	1.1%	132,400 SH
DISNEY WALT CO COM	Stock	$301K	0.1%	3,049 SH
ENERGY SELECT SECTOR SPDR FUND	ETF	$314K	0.1%	3,362 SH
EXXON MOBIL CORP COM	Stock	$460K	0.2%	3,868 SH
FEDEX CORP COM	Stock	$235K	0.1%	965 SH
FINANCIAL SELECT SECTOR SPDR FUND	ETF	$331K	0.1%	6,650 SH
HOME DEPOT INC COM	Stock	$868K	0.3%	2,369 SH
IMMUNOPRECISE ANTIBODIES LTD COM NEW	Stock	$10K	0.0%	26,808 SH
INTEL CORP COM	Stock	$243K	0.1%	10,684 SH
INTERNATIONAL BUSINESS MACHS COM	Stock	$473K	0.2%	1,901 SH
INTUIT COM	Stock	$367K	0.1%	597 SH
INVESCO BULLETSHARES 2030 MUNICIPAL BOND ETF	ETF	$202K	0.1%	9,381 SH
INVESCO BULLETSHARES 2031 MUNICIPAL BOND ETF	ETF	$408K	0.1%	19,704 SH
INVESCO OPTIMUM YIELD DIVERSIFIED COMMODITY STRATEGY NO K-1 ETF	ETF	$225K	0.1%	16,488 SH
INVESCO QQQ TRUST SERIES I	ETF	$514K	0.2%	1,096 SH
INVESCO S&P 500 LOW VOLATILITY ETF	ETF	$445K	0.1%	5,958 SH
ISHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF	ETF	$4.3M	1.4%	81,579 SH
ISHARES 5-10 YEAR INVESTMENT GRADE CORPORATE BOND ETF	ETF	$237K	0.1%	4,518 SH
ISHARES CORE MSCI EAFE ETF	ETF	$489K	0.2%	6,458 SH
ISHARES CORE S&P 500 ETF	ETF	$29.0M	9.5%	51,630 SH
ISHARES CORE S&P MID-CAP ETF	ETF	$327K	0.1%	5,605 SH
ISHARES CORE S&P SMALL CAP ETF	ETF	$670K	0.2%	6,404 SH
ISHARES CORE U.S. AGGREGATE BOND ETF	ETF	$518K	0.2%	5,239 SH
ISHARES IBONDS DEC 2026 TERM CORPORATE ETF	ETF	$330K	0.1%	13,630 SH
ISHARES IBONDS DEC 2027 TERM CORPORATE ETF	ETF	$316K	0.1%	13,082 SH
ISHARES IBONDS DEC 2028 TERM CORPORATE ETF	ETF	$241K	0.1%	9,532 SH
ISHARES IBONDS DEC 2029 TERM CORPORATE ETF	ETF	$488K	0.2%	21,086 SH
ISHARES IBONDS DEC 2030 TERM CORPORATE ETF	ETF	$639K	0.2%	29,435 SH
ISHARES IBONDS DEC 2031 TERM CORPORATE ETF	ETF	$817K	0.3%	39,388 SH
ISHARES IBONDS DEC 2032 TERM CORPORATE ETF	ETF	$813K	0.3%	32,541 SH
ISHARES IBONDS DEC 2033 TERM CORPORATE ETF	ETF	$273K	0.1%	10,699 SH
ISHARES IBONDS DEC 2034 TERM CORPORATE ETF	ETF	$296K	0.1%	11,468 SH
ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF	ETF	$549K	0.2%	5,048 SH
ISHARES MSCI EAFE ETF	ETF	$399K	0.1%	4,885 SH
ISHARES MSCI GLOBAL ENERGY PRODUCERS ETF	ETF	$334K	0.1%	13,443 SH
ISHARES RUSSELL 2000 ETF	ETF	$1.5M	0.5%	7,446 SH
ISHARES S&P 500 GROWTH ETF	ETF	$497K	0.2%	5,352 SH
ISHARES S&P 500 VALUE ETF	ETF	$494K	0.2%	2,590 SH
ISHARES SELECT U.S. REIT ETF	ETF	$254K	0.1%	4,120 SH
ISHARES SILVER TRUST	ETF	$439K	0.1%	14,163 SH
ISHARES TIPS BOND ETF	ETF	$230K	0.1%	2,070 SH
ISHARES U.S. TECHNOLOGY ETF	ETF	$247K	0.1%	1,760 SH
JOHNSON & JOHNSON COM	Stock	$931K	0.3%	5,616 SH
JPMORGAN CHASE & CO. COM	Stock	$5.9M	1.9%	24,029 SH
JPMORGAN SHORT DURATION CORE PLUS ETF	ETF	$222K	0.1%	4,697 SH
JPMORGAN ULTRA-SHORT INCOME ETF	ETF	$6.3M	2.1%	124,383 SH
JPMORGAN ULTRA-SHORT MUNICIPAL INCOME ETF	ETF	$563K	0.2%	11,064 SH
LAM RESEARCH CORP COM NEW	Stock	$1.6M	0.5%	21,574 SH
LOCKHEED MARTIN CORP COM	Stock	$826K	0.3%	1,848 SH
LULULEMON ATHLETICA INC COM	Stock	$223K	0.1%	789 SH
MERCK & CO INC COM	Stock	$271K	0.1%	3,024 SH
META PLATFORMS INC CL A	Stock	$3.5M	1.2%	6,114 SH
MICROSOFT CORP COM	Stock	$5.3M	1.7%	14,186 SH
NETFLIX INC COM	Stock	$613K	0.2%	657 SH
NVIDIA CORPORATION COM	Stock	$2.9M	1.0%	26,990 SH
PALO ALTO NETWORKS INC COM	Stock	$225K	0.1%	1,320 SH
PFIZER INC COM	Stock	$333K	0.1%	13,144 SH
PGIM GLOBAL HIGH YIELD FD FORM COM	CEF	$346K	0.1%	25,764 SH
PROCTER AND GAMBLE CO COM	Stock	$305K	0.1%	1,789 SH
QUALCOMM INC COM	Stock	$1.3M	0.4%	8,382 SH
REGENERON PHARMACEUTICALS COM	Stock	$244K	0.1%	384 SH
SALESFORCE INC COM	Stock	$344K	0.1%	1,281 SH
SCHWAB EMERGING MARKETS EQUITY ETF	ETF	$413K	0.1%	14,987 SH
SCHWAB INTERNATIONAL EQUITY ETF	ETF	$9.5M	3.1%	478,404 SH
SCHWAB SHORT-TERM US TREASURY ETF	ETF	$376K	0.1%	15,439 SH
SCHWAB U.S. BROAD MARKET ETF	ETF	$1.7M	0.5%	77,430 SH
SCHWAB U.S. LARGE-CAP ETF	ETF	$6.1M	2.0%	276,630 SH
SCHWAB U.S. LARGE-CAP VALUE ETF	ETF	$1.2M	0.4%	45,163 SH
SCHWAB U.S. MID-CAP ETF	ETF	$8.3M	2.7%	316,415 SH
SCHWAB U.S. REIT ETF	ETF	$932K	0.3%	43,308 SH
SCHWAB U.S. SMALL-CAP ETF	ETF	$940K	0.3%	40,113 SH
SCHWAB US AGGREGATE BOND ETF	ETF	$822K	0.3%	35,488 SH
SCHWAB US DIVIDEND EQUITY ETF	ETF	$3.8M	1.2%	135,954 SH
SCHWAB US TIPS ETF	ETF	$599K	0.2%	22,293 SH
SPDR BLOOMBERG 3-12 MONTH T-BILL ETF	ETF	$1.5M	0.5%	14,604 SH
SPDR BLOOMBERG SHORT TERM HIGH YIELD BOND ETF	ETF	$291K	0.1%	11,565 SH
SPDR EURO STOXX 50 ETF	ETF	$807K	0.3%	14,835 SH
SPDR GOLD MINISHARES TRUST OF BENEFICIAL INTEREST	ETF	$2.0M	0.6%	31,771 SH
SPDR GOLD SHARES	ETF	$2.6M	0.8%	9,001 SH
SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF	ETF	$12.7M	4.1%	347,539 SH
SPDR PORTFOLIO S&P 1500 COMPOSITE STOCK MARKET ETF	ETF	$320K	0.1%	4,712 SH
SPDR PORTFOLIO SHORT TERM CORPORATE BOND ETF	ETF	$611K	0.2%	20,311 SH
SPDR S&P 500 ETF TRUST	ETF	$546K	0.2%	976 SH
STARBUCKS CORP COM	Stock	$316K	0.1%	3,219 SH
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS	ADR	$844K	0.3%	5,087 SH
TESLA INC COM	Stock	$5.0M	1.6%	19,192 SH
UTILITIES SELECT SECTOR SPDR FUND	ETF	$240K	0.1%	3,048 SH
VANGUARD DIVIDEND APPRECIATION ETF	ETF	$1.1M	0.4%	5,532 SH
VANGUARD FTSE ALL-WORLD EX-US INDEX FUND	ETF	$1.2M	0.4%	19,893 SH
VANGUARD FTSE DEVELOPED MARKETS ETF	ETF	$5.5M	1.8%	108,468 SH
VANGUARD FTSE EMERGING MARKETS ETF	ETF	$766K	0.3%	16,925 SH
VANGUARD GLOBAL EX-U.S. REAL ESTATE ETF	ETF	$3.1M	1.0%	75,537 SH
VANGUARD GROWTH ETF	ETF	$3.4M	1.1%	9,089 SH
VANGUARD HEALTH CARE ETF	ETF	$802K	0.3%	3,029 SH
VANGUARD HIGH DIVIDEND YIELD INDEX ETF	ETF	$758K	0.2%	5,875 SH
VANGUARD INTERNATIONAL HIGH DIVIDEND YIELD ETF	ETF	$236K	0.1%	3,206 SH
VANGUARD LARGE-CAP ETF	ETF	$5.0M	1.6%	19,413 SH
VANGUARD MID-CAP ETF	ETF	$3.9M	1.3%	15,109 SH
VANGUARD REAL ESTATE ETF	ETF	$1.6M	0.5%	17,625 SH
VANGUARD S&P 500 ETF	ETF	$4.1M	1.3%	7,966 SH
VANGUARD SHORT-TERM BOND ETF	ETF	$842K	0.3%	10,761 SH
VANGUARD SHORT-TERM CORPORATE BOND ETF	ETF	$12.4M	4.1%	157,454 SH
VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF	ETF	$7.5M	2.5%	151,012 SH
VANGUARD SMALL CAP VALUE ETF	ETF	$2.3M	0.7%	12,165 SH
VANGUARD SMALL-CAP ETF	ETF	$2.9M	1.0%	13,239 SH
VANGUARD TOTAL INTERNATIONAL STOCK ETF	ETF	$4.0M	1.3%	64,912 SH
VANGUARD TOTAL STOCK MARKET ETF	ETF	$1.1M	0.4%	3,959 SH
VANGUARD ULTRA-SHORT BOND ETF	ETF	$689K	0.2%	13,816 SH
VANGUARD VALUE ETF	ETF	$1.9M	0.6%	11,141 SH
VISA INC COM CL A	Stock	$908K	0.3%	2,592 SH
WALMART INC COM	Stock	$236K	0.1%	2,692 SH
WELLS FARGO CO NEW COM	Stock	$297K	0.1%	4,140 SH
WISDOMTREE U.S. TOTAL DIVIDEND FUND	ETF	$380K	0.1%	4,934 SH
WP CAREY INC COM	REIT	$1.8M	0.6%	29,261 SH
YUM BRANDS INC COM	Stock	$287K	0.1%	1,825 SH

All filings

Open a filing on Jive Data

Filing Date	Quarter	Form	Accession	Portfolio	Filing
Feb 6, 2026	Q4 2025	13F-HR	0001727917-26-000002	$388.0M	View
Oct 21, 2026	Q3 2026	13F-HR	0001727917-26-000010	$433.0M	View
Oct 27, 2025	Q3 2025