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VOL. XII · NO. 117Established MMXIV · George Town, Grand CaymanAtlantic Edition · $4.50

The Cayman Journal

Finance · Business · Technology · Caribbean & Global Affairs

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
12

Sector Allocation

Technology
12.2%$47.3M
Financials
1.4%$5.6M
Healthcare
1.0%$3.8M
Industrials
0.5%$2.0M
Energy
0.5%$1.9M
Utilities
0.1%$467,182
Consumer Staples
0.1%$312,314

Filing History

View all filings →

Top 20 Holdings — Dec 2025

#IssuerTickerSharesValue% of Portfolio
1ISHARES CORE S&P 500 ETF46428720052,144$35.7M11.29%
2APPLE INC COMAAPL72,766$19.8M6.25%
3SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF78463X889321,999$14.3M4.52%
4VANGUARD SHORT-TERM CORPORATE BOND ETF92206C409171,922$13.7M4.33%
5SCHWAB INTERNATIONAL EQUITY ETF808524805448,349$10.8M3.41%
6DIMENSIONAL SHORT-DURATION FIXED INCOME ETF25434V864224,458$10.8M3.40%
7SCHWAB U.S. MID-CAP ETF808524508315,981$9.5M3.00%
8DIMENSIONAL GLOBAL CORE PLUS FIXED INCOME ETF25434V583164,336$8.9M2.81%
9DIMENSIONAL U.S. TARGETED VALUE ETF25434V609140,565$8.4M2.65%
10VANGUARD LARGE-CAP ETF92290863725,323$8.0M2.52%
11DIMENSIONAL EMERGING MARKETS CORE EQUITY 2 ETF25434V732230,304$7.6M2.41%
12VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF922020805153,383$7.6M2.40%
13ALPHABET INC CAP STK CL AGOOG24,108$7.5M2.38%
14JPMORGAN CHASE & CO COMVYLD23,124$7.5M2.35%
15SCHWAB U.S. LARGE-CAP ETF808524201265,860$7.2M2.26%
16VANGUARD FTSE DEVELOPED MARKETS ETF921943858113,158$7.1M2.23%
17MICROSOFT CORP COMMSFT14,470$7.0M2.21%
18TESLA INC COMTSLA15,231$6.8M2.16%
19DIMENSIONAL US SMALL CAP VALUE ETF25434V815197,631$6.5M2.05%
20NVIDIA CORPORATION COMNVDA32,614$6.1M1.92%