Institutional Manager · CIK 0001727917
Gradient Capital Advisors, LLC
SAN DIEGO, CA · File #028-18357
Latest AUM
$388.0M
Positions
174
Top-10 Concentration
44.2%
Filings
9
Portfolio Value Over Time
2024-03
2024-06
2024-09
2024-12
2025-03
2025-06
2025-09
2025-12
Biggest QoQ Changes
Ranked by conviction flow (share change × current price) so mark-to-market moves don't dominate. Price effect column shows how much of the $ change was just the stock moving.
| Action | Issuer | Ticker / CUSIP | Δ Shares | Flow ($) | Price Effect |
|---|---|---|---|---|---|
| ADD | DIMENSIONAL GLOBAL CORE PLUS FIXED INCOME ETF | 25434V583 | +79,779 | +$4.3M | -$126,835 |
| NEW | ISHARES 0-3 MONTH TREASURY BOND ETF | 46436E718 | +9,653 | +$968,928 | $0 |
| ADD | VANGUARD SHORT-TERM CORPORATE BOND ETF | 92206C409 | +11,838 | +$943,841 | -$32,024 |
| ADD | BANK NEW YORK MELLON CORP COM | 064058100 | +7,381 | +$856,860 | +$42,502 |
| REDUCE | JPMORGAN ULTRA-SHORT INCOME ETF | 46641Q837 | -14,952 | -$756,423 | -$17,650 |
| REDUCE | SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF | 78463X889 | -12,842 | -$570,313 | +$542,443 |
| ADD | DIMENSIONAL US SMALL CAP VALUE ETF | 25434V815 | +17,255 | +$567,517 | +$189,395 |
| ADD | NETFLIX INC. COM | NFLX | +5,910 | +$554,122 | -$740,457 |
| REDUCE | VANGUARD LARGE-CAP ETF | 922908637 | -1,675 | -$527,288 | +$187,363 |
| REDUCE | ADVANCED MICRO DEVICES INC COM | AMD | -2,417 | -$517,625 | +$412,152 |
Sector Allocation
Filing History
- 13F HOLDINGS REPORTQ/E Dec 2025174 pos · $388.0M
- 13F HOLDINGS REPORTQ/E Sep 2025167 pos · $373.1M
- 13F HOLDINGS REPORTQ/E Jun 2025162 pos · $338.5M
- 13F HOLDINGS REPORTQ/E Mar 2025155 pos · $306.4M
- 13F HOLDINGS REPORTQ/E Dec 2024152 pos · $310.2M
- 13F HOLDINGS REPORTQ/E Sep 2024148 pos · $302.0M
- 13F HOLDINGS REPORTQ/E Jun 2024140 pos · $279.8M
- 13F HOLDINGS REPORTQ/E Mar 2024139 pos · $272.4M
- 13F HOLDINGS REPORTQ/E Dec 2023136 pos · $239.2M
Top 20 Holdings — Dec 2025
| # | Issuer | Ticker | Shares | Value | % of Portfolio |
|---|---|---|---|---|---|
| 1 | ISHARES CORE S&P 500 ETF | 464287200 | 52,144 | $35.7M | 11.29% |
| 2 | APPLE INC COM | AAPL | 72,766 | $19.8M | 6.25% |
| 3 | SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF | 78463X889 | 321,999 | $14.3M | 4.52% |
| 4 | VANGUARD SHORT-TERM CORPORATE BOND ETF | 92206C409 | 171,922 | $13.7M | 4.33% |
| 5 | SCHWAB INTERNATIONAL EQUITY ETF | 808524805 | 448,349 | $10.8M | 3.41% |
| 6 | DIMENSIONAL SHORT-DURATION FIXED INCOME ETF | 25434V864 | 224,458 | $10.8M | 3.40% |
| 7 | SCHWAB U.S. MID-CAP ETF | 808524508 | 315,981 | $9.5M | 3.00% |
| 8 | DIMENSIONAL GLOBAL CORE PLUS FIXED INCOME ETF | 25434V583 | 164,336 | $8.9M | 2.81% |
| 9 | DIMENSIONAL U.S. TARGETED VALUE ETF | 25434V609 | 140,565 | $8.4M | 2.65% |
| 10 | VANGUARD LARGE-CAP ETF | 922908637 | 25,323 | $8.0M | 2.52% |
| 11 | DIMENSIONAL EMERGING MARKETS CORE EQUITY 2 ETF | 25434V732 | 230,304 | $7.6M | 2.41% |
| 12 | VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF | 922020805 | 153,383 | $7.6M | 2.40% |
| 13 | ALPHABET INC CAP STK CL A | GOOG | 24,108 | $7.5M | 2.38% |
| 14 | JPMORGAN CHASE & CO COM | VYLD | 23,124 | $7.5M | 2.35% |
| 15 | SCHWAB U.S. LARGE-CAP ETF | 808524201 | 265,860 | $7.2M | 2.26% |
| 16 | VANGUARD FTSE DEVELOPED MARKETS ETF | 921943858 | 113,158 | $7.1M | 2.23% |
| 17 | MICROSOFT CORP COM | MSFT | 14,470 | $7.0M | 2.21% |
| 18 | TESLA INC COM | TSLA | 15,231 | $6.8M | 2.16% |
| 19 | DIMENSIONAL US SMALL CAP VALUE ETF | 25434V815 | 197,631 | $6.5M | 2.05% |
| 20 | NVIDIA CORPORATION COM | NVDA | 32,614 | $6.1M | 1.92% |