13F HOLDINGS REPORT

Gradient Capital Advisors, LLC

Quarter ended Q1 2025 · Filed May 5, 2025 · Accession 0001727917-25-000005

Total Value

$306.4M

Positions

155

Other Managers

Confidential Omitted

View on SEC.gov

Holdings (155)

#	Issuer	Ticker / CUSIP	Shares	Value	% of Filing
1	ISHARES CORE S&P 500 ETF	464287200	51,630	$29.0M	9.47%
2	APPLE INC COM	AAPL	76,347	$17.0M	5.53%
3	SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF	78463X889	347,539	$12.7M	4.13%
4	VANGUARD SHORT-TERM CORPORATE BOND ETF	92206C409	157,454	$12.4M	4.06%
5	DIMENSIONAL SHORT-DURATION FIXED INCOME ETF	25434V864	207,597	$9.9M	3.22%
6	SCHWAB INTERNATIONAL EQUITY ETF	808524805	478,404	$9.5M	3.09%
7	SCHWAB U.S. MID-CAP ETF	808524508	316,415	$8.3M	2.71%
8	VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF	922020805	151,012	$7.5M	2.46%
9	DIMENSIONAL U.S. TARGETED VALUE ETF	25434V609	139,304	$7.2M	2.34%
10	JPMORGAN ULTRA-SHORT INCOME ETF	46641Q837	124,383	$6.3M	2.06%
11	SCHWAB U.S. LARGE-CAP ETF	808524201	276,630	$6.1M	1.99%
12	DIMENSIONAL EMERGING MARKETS CORE EQUITY 2 ETF	25434V732	230,507	$6.1M	1.99%
13	JPMORGAN CHASE & CO. COM	VYLD	24,029	$5.9M	1.92%
14	VANGUARD FTSE DEVELOPED MARKETS ETF	921943858	108,468	$5.5M	1.80%
15	DIMENSIONAL US MARKETWIDE VALUE ETF	25434V724	129,346	$5.3M	1.74%
16	MICROSOFT CORP COM	MSFT	14,186	$5.3M	1.74%
17	VANGUARD LARGE-CAP ETF	922908637	19,413	$5.0M	1.63%
18	TESLA INC COM	TSLA	19,192	$5.0M	1.62%
19	BERKSHIRE HATHAWAY INC DEL CL B NEW	BRK-A	8,520	$4.5M	1.48%
20	DIMENSIONAL US REAL ESTATE ETF	25434V823	190,767	$4.5M	1.48%
21	ISHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF	464288646	81,579	$4.3M	1.39%
22	VANGUARD S&P 500 ETF	922908363	7,966	$4.1M	1.34%
23	VANGUARD TOTAL INTERNATIONAL STOCK ETF	921909768	64,912	$4.0M	1.32%
24	DIMENSIONAL US SMALL CAP VALUE ETF	25434V815	139,133	$3.9M	1.28%
25	VANGUARD MID-CAP ETF	922908629	15,109	$3.9M	1.28%
26	SCHWAB US DIVIDEND EQUITY ETF	808524797	135,954	$3.8M	1.24%
27	META PLATFORMS INC CL A	META	6,114	$3.5M	1.15%
28	DIMENSIONAL WORLD EX U.S. CORE EQUITY 2 ETF	25434V880	132,400	$3.5M	1.13%
29	ALPHABET INC CAP STK CL A	GOOG	21,907	$3.4M	1.11%
30	VANGUARD GROWTH ETF	922908736	9,089	$3.4M	1.10%
31	VANGUARD GLOBAL EX-U.S. REAL ESTATE ETF	922042676	75,537	$3.1M	1.00%
32	VANGUARD SMALL-CAP ETF	922908751	13,239	$2.9M	0.96%
33	NVIDIA CORPORATION COM	NVDA	26,990	$2.9M	0.95%
34	DIMENSIONAL US LARGE CAP VALUE ETF	25434V666	94,786	$2.9M	0.95%
35	DIMENSIONAL INTERNATIONAL SMALL CAP VALUE ETF	25434V781	94,908	$2.8M	0.90%
36	SPDR GOLD SHARES	GLD	9,001	$2.6M	0.85%
37	VANGUARD SMALL CAP VALUE ETF	922908611	12,165	$2.3M	0.74%
38	SPDR GOLD MINISHARES TRUST OF BENEFICIAL INTEREST	GLDW	31,771	$2.0M	0.64%
39	VANGUARD VALUE ETF	922908744	11,141	$1.9M	0.63%
40	DIMENSIONAL EMERGING CORE EQUITY MARKET ETF	25434V302	72,965	$1.9M	0.62%
41	WP CAREY INC COM	92936U109	29,261	$1.8M	0.60%
42	AMAZON COM INC COM	AMZN	9,426	$1.8M	0.59%
43	AVANTIS INTERNATIONAL SMALL CAP VALUE ETF	025072802	24,032	$1.7M	0.55%
44	SCHWAB U.S. BROAD MARKET ETF	808524102	77,430	$1.7M	0.54%
45	CHEVRON CORP NEW COM	CVX	9,888	$1.7M	0.54%
46	BROADCOM INC COM	AVGO	9,700	$1.6M	0.53%
47	VANGUARD REAL ESTATE ETF	922908553	17,625	$1.6M	0.52%
48	LAM RESEARCH CORP COM NEW	LRCX	21,574	$1.6M	0.51%
49	ISHARES RUSSELL 2000 ETF	464287655	7,446	$1.5M	0.48%
50	SPDR BLOOMBERG 3-12 MONTH T-BILL ETF	78468R523	14,604	$1.5M	0.47%
51	QUALCOMM INC COM	QCOM	8,382	$1.3M	0.42%
52	VANGUARD FTSE ALL-WORLD EX-US INDEX FUND	922042775	19,893	$1.2M	0.39%
53	SCHWAB U.S. LARGE-CAP VALUE ETF	808524409	45,163	$1.2M	0.39%
54	CISCO SYS INC COM	CSCO	17,643	$1.1M	0.36%
55	VANGUARD TOTAL STOCK MARKET ETF	922908769	3,959	$1.1M	0.36%
56	VANGUARD DIVIDEND APPRECIATION ETF	921908844	5,532	$1.1M	0.35%
57	AVANTIS U.S. SMALL CAP VALUE ETF	025072877	11,241	$979,878	0.32%
58	BANK AMERICA CORP COM	060505104	23,262	$970,724	0.32%
59	ADVANCED MICRO DEVICES INC COM	AMD	9,388	$964,523	0.31%
60	AMGEN INC COM	AMGN	3,094	$964,040	0.31%
61	SCHWAB U.S. SMALL-CAP ETF	808524607	40,113	$939,844	0.31%
62	SCHWAB U.S. REIT ETF	808524847	43,308	$931,560	0.30%
63	JOHNSON & JOHNSON COM	JNJ	5,616	$931,352	0.30%
64	CONSUMER STAPLES SELECT SECTOR SPDR FUND	81369Y308	11,197	$914,424	0.30%
65	VISA INC COM CL A	V	2,592	$908,387	0.30%
66	HOME DEPOT INC COM	HD	2,369	$868,366	0.28%
67	TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS	874039100	5,087	$844,442	0.28%
68	VANGUARD SHORT-TERM BOND ETF	921937827	10,761	$842,369	0.27%
69	LOCKHEED MARTIN CORP COM	LMT	1,848	$825,544	0.27%
70	SCHWAB US AGGREGATE BOND ETF	808524839	35,488	$821,898	0.27%
71	ISHARES IBONDS DEC 2031 TERM CORPORATE ETF	46436E486	39,388	$817,301	0.27%
72	ISHARES IBONDS DEC 2032 TERM CORPORATE ETF	46436E312	32,541	$813,194	0.27%
73	SPDR EURO STOXX 50 ETF	78463X202	14,835	$807,172	0.26%
74	VANGUARD HEALTH CARE ETF	92204A504	3,029	$801,847	0.26%
75	DIMENSIONAL U.S. CORE EQUITY 2 ETF	25434V708	23,357	$770,561	0.25%
76	VANGUARD FTSE EMERGING MARKETS ETF	922042858	16,925	$766,039	0.25%
77	VANGUARD HIGH DIVIDEND YIELD INDEX ETF	921946406	5,875	$757,622	0.25%
78	VANGUARD ULTRA-SHORT BOND ETF	92203C303	13,816	$688,797	0.22%
79	ISHARES CORE S&P SMALL CAP ETF	464287804	6,404	$669,644	0.22%
80	ISHARES IBONDS DEC 2030 TERM CORPORATE ETF	46436E726	29,435	$639,328	0.21%
81	DIMENSIONAL INTERNATIONAL CORE EQUITY 2 ETF	25434V799	22,962	$637,655	0.21%
82	NETFLIX INC COM	NFLX	657	$612,672	0.20%
83	BLACKSTONE INC COM	BX	4,383	$612,656	0.20%
84	SPDR PORTFOLIO SHORT TERM CORPORATE BOND ETF	78464A474	20,311	$611,353	0.20%
85	SCHWAB US TIPS ETF	808524870	22,293	$599,459	0.20%
86	JPMORGAN ULTRA-SHORT MUNICIPAL INCOME ETF	46641Q654	11,064	$562,604	0.18%
87	ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF	464287242	5,048	$548,613	0.18%
88	SPDR S&P 500 ETF TRUST	SPY	976	$546,083	0.18%
89	AVANTIS U.S. MID CAP EQUITY ETF	025072125	8,594	$532,656	0.17%
90	COSTCO WHSL CORP NEW COM	22160K105	563	$532,190	0.17%
91	ISHARES CORE U.S. AGGREGATE BOND ETF	464287226	5,239	$518,242	0.17%
92	INVESCO QQQ TRUST SERIES I	IVZ	1,096	$514,092	0.17%
93	ISHARES S&P 500 GROWTH ETF	464287309	5,352	$496,826	0.16%
94	DIMENSIONAL INTERNATIONAL CORE EQUITY MARKET ETF	25434V203	15,883	$496,026	0.16%
95	ISHARES S&P 500 VALUE ETF	464287408	2,590	$493,584	0.16%
96	ISHARES CORE MSCI EAFE ETF	46432F842	6,458	$488,540	0.16%
97	ISHARES IBONDS DEC 2029 TERM CORPORATE ETF	46436E205	21,086	$487,719	0.16%
98	INTERNATIONAL BUSINESS MACHS COM	INTR	1,901	$472,589	0.15%
99	EXXON MOBIL CORP COM	XOM	3,868	$460,007	0.15%
100	INVESCO S&P 500 LOW VOLATILITY ETF	IVZ	5,958	$445,182	0.15%
101	ISHARES SILVER TRUST	SLV	14,163	$438,911	0.14%
102	ALPHABET INC CAP STK CL C	GOOG	2,779	$434,151	0.14%
103	CATERPILLAR INC COM	CAT	1,263	$416,698	0.14%
104	SCHWAB EMERGING MARKETS EQUITY ETF	808524706	14,987	$413,197	0.13%
105	INVESCO BULLETSHARES 2031 MUNICIPAL BOND ETF	IVZ	19,704	$408,464	0.13%
106	ISHARES MSCI EAFE ETF	464287465	4,885	$399,251	0.13%
107	BLACKROCK INC COM	BLK	417	$394,401	0.13%
108	ACCENTURE PLC IRELAND SHS CLASS A	ACN	1,219	$380,377	0.12%
109	WISDOMTREE U.S. TOTAL DIVIDEND FUND	WT	4,934	$379,671	0.12%
110	SCHWAB SHORT-TERM US TREASURY ETF	808524862	15,439	$375,785	0.12%
111	INTUIT COM	INTU	597	$366,552	0.12%
112	PGIM GLOBAL HIGH YIELD FD FORM COM	69346J106	25,764	$345,753	0.11%
113	SALESFORCE INC COM	CRM	1,281	$343,863	0.11%
114	ISHARES MSCI GLOBAL ENERGY PRODUCERS ETF	464286343	13,443	$334,327	0.11%
115	PFIZER INC COM	PFE	13,144	$333,075	0.11%
116	FINANCIAL SELECT SECTOR SPDR FUND	81369Y605	6,650	$331,229	0.11%
117	ISHARES IBONDS DEC 2026 TERM CORPORATE ETF	46435GAA0	13,630	$329,982	0.11%
118	ISHARES CORE S&P MID-CAP ETF	464287507	5,605	$327,031	0.11%
119	SPDR PORTFOLIO S&P 1500 COMPOSITE STOCK MARKET ETF	78464A805	4,712	$320,452	0.10%
120	ISHARES IBONDS DEC 2027 TERM CORPORATE ETF	46435UAA9	13,082	$316,323	0.10%
121	STARBUCKS CORP COM	SBUX	3,219	$315,752	0.10%
122	ENERGY SELECT SECTOR SPDR FUND	81369Y506	3,362	$314,133	0.10%
123	DIMENSIONAL U.S. EQUITY MARKET ETF	25434V401	5,155	$311,774	0.10%
124	PROCTER AND GAMBLE CO COM	742718109	1,789	$304,936	0.10%
125	DISNEY WALT CO COM	254687106	3,049	$300,930	0.10%
126	WELLS FARGO CO NEW COM	949746101	4,140	$297,196	0.10%
127	ISHARES IBONDS DEC 2034 TERM CORPORATE ETF	46438G653	11,468	$295,707	0.10%
128	SPDR BLOOMBERG SHORT TERM HIGH YIELD BOND ETF	78468R408	11,565	$290,975	0.09%
129	YUM BRANDS INC COM	YUM	1,825	$287,182	0.09%
130	ADOBE INC COM	ADBE	746	$286,113	0.09%
131	ABBVIE INC COM	ABBV	1,336	$279,891	0.09%
132	DIMENSIONAL GLOBAL CORE PLUS FIXED INCOME ETF	25434V583	5,142	$274,737	0.09%
133	ISHARES IBONDS DEC 2033 TERM CORPORATE ETF	46436E130	10,699	$273,466	0.09%
134	MERCK & CO INC COM	MRK	3,024	$271,446	0.09%
135	BOEING CO COM	BA-PA	1,528	$260,630	0.09%
136	ISHARES SELECT U.S. REIT ETF	464287564	4,120	$253,504	0.08%
137	AVANTIS U.S. LARGE CAP VALUE ETF	025072349	3,827	$249,559	0.08%
138	ISHARES U.S. TECHNOLOGY ETF	464287721	1,760	$247,174	0.08%
139	REGENERON PHARMACEUTICALS COM	REGN	384	$243,544	0.08%
140	INTEL CORP COM	INTC	10,684	$242,634	0.08%
141	ISHARES IBONDS DEC 2028 TERM CORPORATE ETF	46435U515	9,532	$240,778	0.08%
142	UTILITIES SELECT SECTOR SPDR FUND	81369Y886	3,048	$240,335	0.08%
143	ISHARES 5-10 YEAR INVESTMENT GRADE CORPORATE BOND ETF	464288638	4,518	$237,285	0.08%
144	WALMART INC COM	WMT	2,692	$236,340	0.08%
145	VANGUARD INTERNATIONAL HIGH DIVIDEND YIELD ETF	921946794	3,206	$236,250	0.08%
146	FEDEX CORP COM	FDX	965	$235,248	0.08%
147	CONSTELLATION ENERGY CORP COM	CEG	1,155	$232,936	0.08%
148	ISHARES TIPS BOND ETF	464287176	2,070	$229,956	0.08%
149	PALO ALTO NETWORKS INC COM	PANW	1,320	$225,245	0.07%
150	INVESCO OPTIMUM YIELD DIVERSIFIED COMMODITY STRATEGY NO K-1 ETF	IVZ	16,488	$224,729	0.07%
151	LULULEMON ATHLETICA INC COM	LULU	789	$223,334	0.07%
152	JPMORGAN SHORT DURATION CORE PLUS ETF	46641Q274	4,697	$221,745	0.07%
153	BRISTOL-MYERS SQUIBB CO COM	CELG-RI	3,609	$220,113	0.07%
154	INVESCO BULLETSHARES 2030 MUNICIPAL BOND ETF	IVZ	9,381	$202,442	0.07%
155	IMMUNOPRECISE ANTIBODIES LTD COM NEW	45257F200	26,808	$10,093	0.00%