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Gradient Capital Advisors, LLC — 13F Holdings & Portfolio

CIK 1727917 · latest 13F-HR filed 2026-04-16

Backtest portfolio

Gradient Capital Advisors, LLC manages $385.8M in 13F-reported U.S. long-equity assets across 177 reported positions as of its 2026-03-31 13F-HR filing. Its largest disclosed positions are IVV (8.96%), AAPL (4.71%), SPDW (3.73%). Quarter over quarter (versus its 2025-12-31 filing) the fund opened 6 new positions, exited 3, added to 33, and trimmed 52.

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.

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AUM

$385.8M

Long-equity book

Holdings

177

Distinct positions

Period

2026-03-31

Filed 2026-04-16

Q/Q Activity

+6 / −3 / ↑33 / ↓52

vs 2025-12-31

Firm Profile & Key People
Name Title / Status Ownership Type

Top Adds (vs prior quarter)

  • DIMENSIONAL GLOBAL CORE PLUS FIXED INCOME ETF$2.8M +31.9%
  • LAM RESEARCH CORP COM NEW$747.1K +20.4%
  • DIMENSIONAL US SMALL CAP VALUE ETF$633.9K +9.8%
  • SCHWAB US DIVIDEND EQUITY ETF$630.8K +16.0%
  • VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF$499.6K +6.6%
Show all 33 →

Top Trims

  • MICROSOFT CORP COM-$1.8M -25.9%
  • TESLA INC COM-$1.8M -26.2%
  • APPLE INC COM-$1.6M -8.1%
  • VANGUARD GROWTH ETF-$1.1M -25.9%
  • JPMORGAN CHASE & CO COM-$782.0K -10.5%
Show all 52 →

New Positions

  • ISHARES MSCI EMERGING MARKETS EX CHINA ETF$3.0M
  • ISHARES MSCI JAPAN VALUE ETF$441.2K
  • FIRST EAGLE OVERSEAS EQUITY ETF$371.4K
  • MICRON TECHNOLOGY INC COM$361.2K
  • SOUTHERN CO COM$208.9K
Show all 6 →

Exited Positions

  • ELI LILLY & CO COM$255.8K
  • INTUITIVE SURGICAL INC COM NEW$240.7K
  • ADOBE INC COM$230.6K
Show all 3 →
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 $34.5M 8.96% 52,890 SH
2 APPLE INC COM AAPL 037833100 $18.2M 4.71% 71,602 SH
3 STATE STREET SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF SPDW 78463X889 $14.4M 3.73% 315,068 SH
4 VANGUARD SHORT-TERM CORPORATE BOND ETF VCSH 92206C409 $14.0M 3.62% 176,181 SH
5 DIMENSIONAL GLOBAL CORE PLUS FIXED INCOME ETF DFGP 25434V583 $11.7M 3.04% 217,002 SH
6 DIMENSIONAL SHORT-DURATION FIXED INCOME ETF DFSD 25434V864 $11.2M 2.90% 233,695 SH
7 SCHWAB INTERNATIONAL EQUITY ETF SCHF 808524805 $10.8M 2.79% 435,148 SH
8 SCHWAB U.S. MID-CAP ETF SCHM 808524508 $9.6M 2.49% 309,690 SH
9 DIMENSIONAL U.S. TARGETED VALUE ETF DFAT 25434V609 $8.7M 2.24% 138,540 SH
10 VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF VTIP 922020805 $8.1M 2.10% 161,880 SH
11 DIMENSIONAL EMERGING MARKETS CORE EQUITY 2 ETF DFEM 25434V732 $7.9M 2.06% 229,480 SH
12 VANGUARD LARGE-CAP ETF VV 922908637 $7.5M 1.95% 25,213 SH
13 VANGUARD FTSE DEVELOPED MARKETS ETF VEA 921943858 $7.4M 1.91% 114,961 SH
14 ALPHABET INC CAP STK CL A GOOGL 02079K305 $7.2M 1.87% 25,073 SH
15 DIMENSIONAL US SMALL CAP VALUE ETF DFSV 25434V815 $7.1M 1.85% 203,594 SH
16 SCHWAB U.S. LARGE-CAP ETF SCHX 808524201 $6.7M 1.74% 261,172 SH
17 JPMORGAN CHASE & CO COM JPM 46625H100 $6.7M 1.73% 22,672 SH
18 DIMENSIONAL US MARKETWIDE VALUE ETF DFUV 25434V724 $6.1M 1.58% 125,919 SH
19 NVIDIA CORPORATION COM NVDA 67066G104 $5.7M 1.47% 32,507 SH
20 JPMORGAN ULTRA-SHORT INCOME ETF JPST 46641Q837 $5.3M 1.37% 104,256 SH
21 MICROSOFT CORP COM MSFT 594918104 $5.2M 1.34% 14,016 SH
22 DIMENSIONAL US REAL ESTATE ETF DFAR 25434V823 $5.1M 1.31% 214,197 SH
23 TESLA INC COM TSLA 88160R101 $5.1M 1.31% 13,602 SH
24 DIMENSIONAL WORLD EX U.S. CORE EQUITY 2 ETF DFAX 25434V880 $4.9M 1.27% 143,898 SH
25 BERKSHIRE HATHAWAY INC DEL CL B NEW BRK.B 084670702 $4.7M 1.21% 9,741 SH
26 DIMENSIONAL US LARGE CAP VALUE ETF DFLV 25434V666 $4.6M 1.19% 128,656 SH
27 SCHWAB US DIVIDEND EQUITY ETF SCHD 808524797 $4.6M 1.19% 149,003 SH
28 ISHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF IGSB 464288646 $4.5M 1.17% 85,562 SH
29 LAM RESEARCH CORP COM NEW LRCX 512807306 $4.4M 1.14% 20,607 SH
30 VANGUARD TOTAL INTERNATIONAL STOCK ETF VXUS 921909768 $4.3M 1.12% 55,891 SH
31 VANGUARD S&P 500 ETF VOO 922908363 $4.2M 1.09% 7,027 SH
32 VANGUARD MID-CAP ETF VO 922908629 $4.1M 1.07% 14,315 SH
33 SPDR GOLD SHARES GLD 78463V107 $4.1M 1.05% 9,446 SH
34 META PLATFORMS INC CL A META 30303M102 $3.7M 0.95% 6,393 SH
35 VANGUARD GLOBAL EX-U.S. REAL ESTATE ETF VNQI 922042676 $3.6M 0.95% 82,029 SH
36 DIMENSIONAL INTERNATIONAL SMALL CAP VALUE ETF DISV 25434V781 $3.6M 0.93% 91,295 SH
37 BROADCOM INC COM AVGO 11135F101 $3.4M 0.89% 11,131 SH
38 VANGUARD SMALL-CAP ETF VB 922908751 $3.4M 0.88% 12,940 SH
39 VANGUARD GROWTH ETF VUG 922908736 $3.2M 0.82% 7,241 SH
40 ISHARES MSCI EMERGING MARKETS EX CHINA ETF EMXC 46434G764 $3.0M 0.77% 37,853 SH
41 SPDR GOLD MINISHARES TRUST OF BENEFICIAL INTEREST GLDM 98149E303 $2.4M 0.62% 25,883 SH
42 VANGUARD VALUE ETF VTV 922908744 $2.2M 0.57% 11,267 SH
43 STATE STREET SPDR BLOOMBERG 3-12 MONTH T-BILL ETF BILS 78468R523 $2.2M 0.57% 22,093 SH
44 VANGUARD SMALL CAP VALUE ETF VBR 922908611 $2.1M 0.56% 9,878 SH
45 AVANTIS INTERNATIONAL SMALL CAP VALUE ETF AVDV 025072802 $2.1M 0.56% 21,489 SH
46 AMAZON COM INC COM AMZN 023135106 $2.1M 0.54% 9,977 SH
47 DIMENSIONAL EMERGING CORE EQUITY MARKET ETF DFAE 25434V302 $2.0M 0.52% 58,748 SH
48 TAIWAN SEMICONDUCTOR MANUFACT SPONSORED ADS TSM 874039100 $2.0M 0.51% 5,868 SH
49 CHEVRON CORPORATION COM CVX 166764100 $1.9M 0.50% 9,242 SH
50 WP CAREY INC COM WPC 92936U109 $1.9M 0.49% 27,925 SH
Filing History
Period Filed AUM Holdings Accession
2026-03-31 2026-04-16 $385.8M 177 0001727917-26-000004
2025-12-31 2026-02-06 $388.0M 174 0001727917-26-000002