Top Institutional Investors

Gradient Capital Advisors, LLC — 13F Holdings & Portfolio

CIK 1727917 · latest 13F-HR filed 2026-07-13

Backtest portfolio

Gradient Capital Advisors, LLC manages $431.8M in 13F-reported U.S. long-equity assets across 179 reported positions as of its 2026-06-30 13F-HR filing. Its largest disclosed positions are IVV (9.08%), AAPL (4.76%), SPDW (3.61%). Quarter over quarter (versus its 2026-03-31 filing) the fund opened 9 new positions, exited 7, added to 103, and trimmed 14.

AUM is the long-equity portion reported on Form 13F-HR. Excludes short positions, cash, foreign holdings, and non-13F assets. For informational purposes only — not investment advice.

Filer Information
Address
2125 POINSETTIA DRIVE
SAN DIEGO, CA 92107
Phone
(619) 255-0700
Filing Manager
Gradient Capital Advisors, LLC
SAN DIEGO, CA
Signatory
Timothy Sagawa
Chief Compliance Officer
Loading holdings…
AUM

$431.8M

Long-equity book

Holdings

179

Distinct positions

Period

2026-06-30

Filed 2026-07-13

Q/Q Activity

+9 / −7 / ↑103 / ↓14

vs 2026-03-31

Firm Profile & Key People
Name Title / Status Ownership Type

Top Adds (vs prior quarter)

  • ISHARES CORE S&P 500 ETF$4.7M +13.5%
  • APPLE INC COM$2.4M +13.2%
  • LAM RESEARCH CORP COM NEW$2.4M +53.8%
  • ALPHABET INC CAP STK CL A$2.1M +29.8%
  • ADVANCED MICRO DEVICES INC COM$1.8M +177.2%
Show all 103 →

Top Trims

  • SPDR GOLD SHARES-$437.4K -10.8%
  • CHEVRON CORPORATION COM-$373.4K -19.5%
  • SPDR GOLD MINISHARES TRUST OF BENEFICIAL INTEREST-$370.2K -15.4%
  • ISHARES SILVER TRUST-$367.7K -22.6%
  • LOCKHEED MARTIN CORP COM-$168.4K -16.1%
Show all 14 →

New Positions

  • EXXONMOBIL HOLDINGS CORP COM SHS$505.7K
  • FIRST EAGLE GLOBAL EQUITY ETF$334.1K
  • CROWDSTRIKE HLDGS INC CL A$276.3K
  • GE VERNOVA INC COM$226.7K
  • ISHARES IBONDS DEC 2035 TERM CORPORATE ETF$223.7K
Show all 9 →

Exited Positions

  • EXXON MOBIL CORP COM$627.0K
  • CONSTELLATION ENERGY CORP COM$305.9K
  • PFIZER INC COM$290.8K
  • PALANTIR TECHNOLOGIES INC CL A$247.7K
  • ACCENTURE PLC IRELAND SHS CLASS A$241.7K
Show all 7 →
All Holdings

Rows tagged Call or Put are options positions, not stock. Per SEC Form 13F-HR, Value shows the notional value of the underlying (shares covered × underlying price), not the option premium. Shares is the number of underlying shares covered (divide by 100 for contract count).

# Issuer Symbol CUSIP Value Weight Shares Type
1 ISHARES CORE S&P 500 ETF IVV 464287200 $39.2M 9.08% 52,370 SH
2 APPLE INC COM AAPL 037833100 $20.6M 4.76% 71,073 SH
3 STATE STREET SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF SPDW 78463X889 $15.6M 3.61% 309,462 SH
4 VANGUARD SHORT-TERM CORPORATE BOND ETF VCSH 92206C409 $14.2M 3.30% 180,069 SH
5 DIMENSIONAL GLOBAL CORE PLUS FIXED INCOME ETF DFGP 25434V583 $12.8M 2.96% 234,833 SH
6 DIMENSIONAL SHORT-DURATION FIXED INCOME ETF DFSD 25434V864 $12.3M 2.84% 257,184 SH
7 SCHWAB INTERNATIONAL EQUITY ETF SCHF 808524805 $11.8M 2.72% 424,587 SH
8 SCHWAB U.S. MID-CAP ETF SCHM 808524508 $11.1M 2.57% 300,477 SH
9 DIMENSIONAL U.S. TARGETED VALUE ETF DFAT 25434V609 $9.4M 2.18% 134,622 SH
10 ALPHABET INC CAP STK CL A GOOGL 02079K305 $9.4M 2.17% 26,189 SH
11 DIMENSIONAL EMERGING MARKETS CORE EQUITY 2 ETF DFEM 25434V732 $9.0M 2.09% 222,157 SH
12 VANGUARD LARGE-CAP ETF VV 922908637 $8.5M 1.98% 24,826 SH
13 VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF VTIP 922020805 $8.5M 1.98% 169,781 SH
14 VANGUARD FTSE DEVELOPED MARKETS ETF VEA 921943858 $8.1M 1.89% 114,282 SH
15 DIMENSIONAL US SMALL CAP VALUE ETF DFSV 25434V815 $8.1M 1.88% 209,792 SH
16 SCHWAB U.S. LARGE-CAP ETF SCHX 808524201 $7.6M 1.77% 259,820 SH
17 JPMORGAN CHASE & CO COM JPM 46625H100 $7.4M 1.72% 22,691 SH
18 DIMENSIONAL US MARKETWIDE VALUE ETF DFUV 25434V724 $6.9M 1.59% 124,809 SH
19 LAM RESEARCH CORP COM NEW LRCX 512807306 $6.8M 1.57% 15,624 SH
20 NVIDIA CORPORATION COM NVDA 67066G104 $6.5M 1.50% 32,307 SH
21 DIMENSIONAL US REAL ESTATE ETF DFAR 25434V823 $5.7M 1.33% 219,228 SH
22 TESLA INC COM TSLA 88160R101 $5.5M 1.28% 13,172 SH
23 BERKSHIRE HATHAWAY INC DEL CL B NEW BRK.B 084670702 $5.5M 1.28% 11,052 SH
24 JPMORGAN ULTRA-SHORT INCOME ETF JPST 46641Q837 $5.5M 1.27% 108,737 SH
25 DIMENSIONAL WORLD EX U.S. CORE EQUITY 2 ETF DFAX 25434V880 $5.4M 1.25% 147,029 SH
26 DIMENSIONAL US LARGE CAP VALUE ETF DFLV 25434V666 $5.3M 1.23% 133,859 SH
27 MICROSOFT CORP COM MSFT 594918104 $5.1M 1.18% 13,695 SH
28 VANGUARD S&P 500 ETF VOO 922908363 $4.8M 1.12% 7,019 SH
29 VANGUARD TOTAL INTERNATIONAL STOCK ETF VXUS 921909768 $4.8M 1.11% 56,214 SH
30 SCHWAB US DIVIDEND EQUITY ETF SCHD 808524797 $4.7M 1.09% 147,747 SH
31 ISHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF IGSB 464288646 $4.6M 1.07% 87,994 SH
32 VANGUARD MID-CAP ETF VO 922908629 $4.4M 1.03% 55,041 SH
33 ISHARES MSCI EMERGING MARKETS EX CHINA ETF EMXC 46434G764 $4.1M 0.96% 40,505 SH
34 BROADCOM INC COM AVGO 11135F101 $4.1M 0.94% 10,801 SH
35 VANGUARD SMALL-CAP ETF VB 922908751 $3.9M 0.90% 12,790 SH
36 VANGUARD GLOBAL EX-U.S. REAL ESTATE ETF VNQI 922042676 $3.9M 0.90% 86,245 SH
37 DIMENSIONAL INTERNATIONAL SMALL CAP VALUE ETF DISV 25434V781 $3.7M 0.85% 91,739 SH
38 SPDR GOLD SHARES GLD 78463V107 $3.6M 0.84% 9,846 SH
39 VANGUARD GROWTH ETF VUG 922908736 $3.5M 0.81% 40,643 SH
40 META PLATFORMS INC CL A META 30303M102 $3.5M 0.81% 6,195 SH
41 CISCO SYS INC COM CSCO 17275R102 $2.9M 0.66% 24,408 SH
42 TAIWAN SEMICONDUCTOR MANUFACT SPONSORED ADS TSM 874039100 $2.9M 0.66% 5,974 SH
43 ADVANCED MICRO DEVICES INC COM AMD 007903107 $2.8M 0.64% 4,766 SH
44 STATE STREET SPDR BLOOMBERG 3-12 MONTH T-BILL ETF BILS 78468R523 $2.6M 0.61% 26,335 SH
45 VANGUARD VALUE ETF VTV 922908744 $2.5M 0.58% 11,486 SH
46 AMAZON COM INC COM AMZN 023135106 $2.3M 0.54% 9,845 SH
47 VANGUARD SMALL CAP VALUE ETF VBR 922908611 $2.3M 0.53% 9,495 SH
48 DIMENSIONAL EMERGING CORE EQUITY MARKET ETF DFAE 25434V302 $2.3M 0.53% 56,704 SH
49 AVANTIS U.S. MID CAP EQUITY ETF AVMC 025072125 $2.2M 0.50% 27,007 SH
50 AVANTIS INTERNATIONAL SMALL CAP VALUE ETF AVDV 025072802 $2.1M 0.50% 20,796 SH
Filing History
Period Filed AUM Holdings Accession
2026-06-30 2026-07-13 $431.8M 179 0001727917-26-000006
2026-03-31 2026-04-16 $385.8M 177 0001727917-26-000004
2025-12-31 2026-02-06 $388.0M 174 0001727917-26-000002