# Gradient Capital Advisors, LLC

> Institutional holdings reported to the SEC as of Q2 2026 on Form 13F. CIK 1727917. Source: https://holderbook.com/funds/1727917-gradient-capital-advisors-llc/

- Reported value: $431.8M
- Positions: 179
- Weight of the ten largest: 36.2%
- Filed: 2026-07-13

A 13F reports long US equity positions only. Short positions, bonds, foreign listings, private holdings and cash are not visible, so this is not the manager's whole book.

## Holdings

| Security | Ticker | Value | Shares | Weight | Quarters held |
|---|---|---|---|---|---|
| ISHARES TR | [IVV](https://holderbook.com/stocks/IVV/) | $39.2M | 52,370 | 9.1% | 31 |
| APPLE INC | [AAPL](https://holderbook.com/stocks/AAPL/) | $20.6M | 71,073 | 4.8% | 31 |
| SPDR INDEX SHS FDS | [SPDW](https://holderbook.com/stocks/SPDW/) | $15.6M | 309,462 | 3.6% | 29 |
| VANGUARD SCOTTSDALE FDS | [VCSH](https://holderbook.com/stocks/VCSH/) | $14.2M | 180,069 | 3.3% | 31 |
| DIMENSIONAL ETF TRUST | [DFGP](https://holderbook.com/stocks/DFGP/) | $12.8M | 234,833 | 3.0% | 7 |
| DIMENSIONAL ETF TRUST | [DFSD](https://holderbook.com/stocks/DFSD/) | $12.3M | 257,184 | 2.8% | 19 |
| SCHWAB STRATEGIC TR | [SCHF](https://holderbook.com/stocks/SCHF/) | $11.8M | 424,587 | 2.7% | 31 |
| SCHWAB STRATEGIC TR | [SCHM](https://holderbook.com/stocks/SCHM/) | $11.1M | 300,477 | 2.6% | 31 |
| DIMENSIONAL ETF TRUST | [DFAT](https://holderbook.com/stocks/DFAT/) | $9.4M | 134,622 | 2.2% | 21 |
| ALPHABET INC | [GOOGL](https://holderbook.com/stocks/GOOGL/) | $9.4M | 26,189 | 2.2% | 31 |
| DIMENSIONAL ETF TRUST | [DFEM](https://holderbook.com/stocks/DFEM/) | $9.0M | 222,157 | 2.1% | 17 |
| VANGUARD INDEX FDS | [VV](https://holderbook.com/stocks/VV/) | $8.5M | 24,826 | 2.0% | 31 |
| VANGUARD MALVERN FDS | [VTIP](https://holderbook.com/stocks/VTIP/) | $8.5M | 169,781 | 2.0% | 31 |
| VANGUARD TAX-MANAGED FDS | [VEA](https://holderbook.com/stocks/VEA/) | $8.1M | 114,282 | 1.9% | 31 |
| DIMENSIONAL ETF TRUST | [DFSV](https://holderbook.com/stocks/DFSV/) | $8.1M | 209,792 | 1.9% | 15 |
| SCHWAB STRATEGIC TR | [SCHX](https://holderbook.com/stocks/SCHX/) | $7.6M | 259,820 | 1.8% | 31 |
| JPMORGAN CHASE & CO | [JPM](https://holderbook.com/stocks/JPM/) | $7.4M | 22,691 | 1.7% | 31 |
| DIMENSIONAL ETF TRUST | [DFUV](https://holderbook.com/stocks/DFUV/) | $6.9M | 124,809 | 1.6% | 17 |
| LAM RESEARCH CORP | [LRCX](https://holderbook.com/stocks/LRCX/) | $6.8M | 15,624 | 1.6% | 8 |
| NVIDIA CORPORATION | [NVDA](https://holderbook.com/stocks/NVDA/) | $6.5M | 32,307 | 1.5% | 21 |
| DIMENSIONAL ETF TRUST | [DFAR](https://holderbook.com/stocks/DFAR/) | $5.7M | 219,228 | 1.3% | 18 |
| TESLA INC | [TSLA](https://holderbook.com/stocks/TSLA/) | $5.5M | 13,172 | 1.3% | 26 |
| BERKSHIRE HATHAWAY INC DEL | [BRKB](https://holderbook.com/stocks/BRKB/) | $5.5M | 11,052 | 1.3% | 31 |
| J P MORGAN EXCHANGE TRADED F | [JPST](https://holderbook.com/stocks/JPST/) | $5.5M | 108,737 | 1.3% | 31 |
| DIMENSIONAL ETF TRUST | [DFAX](https://holderbook.com/stocks/DFAX/) | $5.4M | 147,029 | 1.3% | 20 |
| DIMENSIONAL ETF TRUST | [DFLV](https://holderbook.com/stocks/DFLV/) | $5.3M | 133,859 | 1.2% | 13 |
| MICROSOFT CORP | [MSFT](https://holderbook.com/stocks/MSFT/) | $5.1M | 13,695 | 1.2% | 31 |
| VANGUARD INDEX FDS | [VOO](https://holderbook.com/stocks/VOO/) | $4.8M | 7,019 | 1.1% | 31 |
| VANGUARD STAR FDS | [VXUS](https://holderbook.com/stocks/VXUS/) | $4.8M | 56,214 | 1.1% | 31 |
| SCHWAB STRATEGIC TR | [SCHD](https://holderbook.com/stocks/SCHD/) | $4.7M | 147,747 | 1.1% | 31 |
| ISHARES TR | [IGSB](https://holderbook.com/stocks/IGSB/) | $4.6M | 87,994 | 1.1% | 31 |
| VANGUARD INDEX FDS | [VO](https://holderbook.com/stocks/VO/) | $4.4M | 55,041 | 1.0% | 31 |
| ISHARES INC | [EMXC](https://holderbook.com/stocks/EMXC/) | $4.1M | 40,505 | 1.0% | 2 |
| BROADCOM INC | [AVGO](https://holderbook.com/stocks/AVGO/) | $4.1M | 10,801 | 0.9% | 25 |
| VANGUARD INDEX FDS | [VB](https://holderbook.com/stocks/VB/) | $3.9M | 12,790 | 0.9% | 31 |
| VANGUARD INTL EQUITY INDEX F | [VNQI](https://holderbook.com/stocks/VNQI/) | $3.9M | 86,245 | 0.9% | 31 |
| DIMENSIONAL ETF TRUST | [DISV](https://holderbook.com/stocks/DISV/) | $3.7M | 91,739 | 0.9% | 16 |
| SPDR GOLD TR | [GLD](https://holderbook.com/stocks/GLD/) | $3.6M | 9,846 | 0.8% | 31 |
| VANGUARD INDEX FDS | [VUG](https://holderbook.com/stocks/VUG/) | $3.5M | 40,643 | 0.8% | 31 |
| META PLATFORMS INC | [META](https://holderbook.com/stocks/META/) | $3.5M | 6,195 | 0.8% | 31 |
| CISCO SYS INC | [CSCO](https://holderbook.com/stocks/CSCO/) | $2.9M | 24,408 | 0.7% | 12 |
| TAIWAN SEMICONDUCTOR MANUFAC | [TSM](https://holderbook.com/stocks/TSM/) | $2.9M | 5,974 | 0.7% | 13 |
| ADVANCED MICRO DEVICES INC | [AMD](https://holderbook.com/stocks/AMD/) | $2.8M | 4,766 | 0.6% | 13 |
| SPDR SERIES TRUST | [BILS](https://holderbook.com/stocks/BILS/) | $2.6M | 26,335 | 0.6% | 9 |
| VANGUARD INDEX FDS | [VTV](https://holderbook.com/stocks/VTV/) | $2.5M | 11,486 | 0.6% | 31 |
| AMAZON COM INC | [AMZN](https://holderbook.com/stocks/AMZN/) | $2.3M | 9,845 | 0.5% | 31 |
| VANGUARD INDEX FDS | [VBR](https://holderbook.com/stocks/VBR/) | $2.3M | 9,495 | 0.5% | 31 |
| DIMENSIONAL ETF TRUST | [DFAE](https://holderbook.com/stocks/DFAE/) | $2.3M | 56,704 | 0.5% | 22 |
| AMERICAN CENTY ETF TR | [AVMC](https://holderbook.com/stocks/AVMC/) | $2.2M | 27,007 | 0.5% | 7 |
| AMERICAN CENTY ETF TR | [AVDV](https://holderbook.com/stocks/AVDV/) | $2.1M | 20,796 | 0.5% | 23 |
| WORLD GOLD TR | [GLDM](https://holderbook.com/stocks/GLDM/) | $2.0M | 25,547 | 0.5% | 18 |
| SCHWAB STRATEGIC TR | [SCHB](https://holderbook.com/stocks/SCHB/) | $2.0M | 69,938 | 0.5% | 31 |
| WP CAREY INC | [WPC](https://holderbook.com/stocks/WPC/) | $2.0M | 27,790 | 0.5% | 31 |
| BANK OF NY MELLON CORP | [BNY](https://holderbook.com/stocks/BNY/) | $1.9M | 13,347 | 0.4% | 4 |
| VANGUARD INDEX FDS | [VNQ](https://holderbook.com/stocks/VNQ/) | $1.8M | 19,152 | 0.4% | 31 |
| VANGUARD INTL EQUITY INDEX F | [VEU](https://holderbook.com/stocks/VEU/) | $1.7M | 20,332 | 0.4% | 31 |
| ISHARES TR | [IWM](https://holderbook.com/stocks/IWM/) | $1.7M | 5,584 | 0.4% | 25 |
| AMERICAN CENTY ETF TR | [AVUV](https://holderbook.com/stocks/AVUV/) | $1.6M | 12,667 | 0.4% | 22 |
| CHEVRON CORPORATION | [CVX](https://holderbook.com/stocks/CVX/) | $1.5M | 9,282 | 0.4% | 22 |
| ISHARES TR | [SGOV](https://holderbook.com/stocks/SGOV/) | $1.5M | 15,154 | 0.4% | 3 |
| VANGUARD INDEX FDS | [VTI](https://holderbook.com/stocks/VTI/) | $1.5M | 4,113 | 0.4% | 26 |
| SCHWAB STRATEGIC TR | [SCHA](https://holderbook.com/stocks/SCHA/) | $1.4M | 39,787 | 0.3% | 31 |
| JOHNSON & JOHNSON | [JNJ](https://holderbook.com/stocks/JNJ/) | $1.4M | 5,325 | 0.3% | 31 |
| SCHWAB STRATEGIC TR | [SCHV](https://holderbook.com/stocks/SCHV/) | $1.3M | 37,645 | 0.3% | 31 |
| ISHARES SILVER TR | [SLV](https://holderbook.com/stocks/SLV/) | $1.3M | 23,579 | 0.3% | 6 |
| MICRON TECHNOLOGY INC | [MU](https://holderbook.com/stocks/MU/) | $1.2M | 1,053 | 0.3% | 2 |
| DIMENSIONAL ETF TRUST | [DFAC](https://holderbook.com/stocks/DFAC/) | $1.2M | 26,013 | 0.3% | 21 |
| AMGEN INC | [AMGN](https://holderbook.com/stocks/AMGN/) | $1.1M | 3,097 | 0.3% | 25 |
| BANK OF AMER CORP | [BAC](https://holderbook.com/stocks/BAC/) | $1.1M | 19,534 | 0.3% | 31 |
| CATERPILLAR INC | [CAT](https://holderbook.com/stocks/CAT/) | $1.1M | 1,044 | 0.3% | 23 |
| INTEL CORP | [INTC](https://holderbook.com/stocks/INTC/) | $1.1M | 7,938 | 0.3% | 31 |
| VANGUARD SPECIALIZED FUNDS | [VIG](https://holderbook.com/stocks/VIG/) | $1.1M | 4,680 | 0.3% | 31 |
| SPDR INDEX SHS FDS | [FEZ](https://holderbook.com/stocks/FEZ/) | $1.0M | 15,216 | 0.2% | 6 |
| INVESCO QQQ TR | [QQQ](https://holderbook.com/stocks/QQQ/) | $998.2K | 1,356 | 0.2% | 25 |
| ALPHABET INC | [GOOG](https://holderbook.com/stocks/GOOG/) | $980.4K | 2,775 | 0.2% | 31 |
| SELECT SECTOR SPDR TR | [XLP](https://holderbook.com/stocks/XLP/) | $945.1K | 11,377 | 0.2% | 31 |
| SCHWAB STRATEGIC TR | [SCHH](https://holderbook.com/stocks/SCHH/) | $944.8K | 39,899 | 0.2% | 31 |
| QUALCOMM INC | [QCOM](https://holderbook.com/stocks/QCOM/) | $920.0K | 4,978 | 0.2% | 31 |
| ISHARES TR | [IJR](https://holderbook.com/stocks/IJR/) | $909.7K | 6,134 | 0.2% | 31 |
| COSTCO WHOLESALE CORPORATION | [COST](https://holderbook.com/stocks/COST/) | $897.6K | 959 | 0.2% | 21 |
| LOCKHEED MARTIN CORP | [LMT](https://holderbook.com/stocks/LMT/) | $878.9K | 1,725 | 0.2% | 29 |
| VISA INC | [V](https://holderbook.com/stocks/V/) | $869.8K | 2,535 | 0.2% | 16 |
| ISHARES TR | [IBDX](https://holderbook.com/stocks/IBDX/) | $864.8K | 34,329 | 0.2% | 14 |
| VANGUARD BD INDEX FDS | [BSV](https://holderbook.com/stocks/BSV/) | $855.6K | 10,982 | 0.2% | 31 |
| VANGUARD WORLD FD | [VHT](https://holderbook.com/stocks/VHT/) | $854.0K | 2,856 | 0.2% | 31 |
| ISHARES TR | [IBDW](https://holderbook.com/stocks/IBDW/) | $850.3K | 40,801 | 0.2% | 11 |
| VANGUARD WHITEHALL FDS | [VYM](https://holderbook.com/stocks/VYM/) | $838.9K | 5,309 | 0.2% | 20 |
| DIMENSIONAL ETF TRUST | [DFIC](https://holderbook.com/stocks/DFIC/) | $798.7K | 21,435 | 0.2% | 16 |
| HOME DEPOT INC | [HD](https://holderbook.com/stocks/HD/) | $780.2K | 2,212 | 0.2% | 31 |
| ISHARES TR | [IVW](https://holderbook.com/stocks/IVW/) | $736.1K | 5,352 | 0.2% | 23 |
| SCHWAB STRATEGIC TR | [SCHZ](https://holderbook.com/stocks/SCHZ/) | $724.7K | 31,330 | 0.2% | 31 |
| VANGUARD INTL EQUITY INDEX F | [VWO](https://holderbook.com/stocks/VWO/) | $657.4K | 11,014 | 0.2% | 31 |
| ISHARES TR | [IBDV](https://holderbook.com/stocks/IBDV/) | $654.0K | 29,999 | 0.2% | 11 |
| DIMENSIONAL ETF TRUST | [DFAI](https://holderbook.com/stocks/DFAI/) | $643.5K | 15,599 | 0.1% | 18 |
| ISHARES TR | [IEFA](https://holderbook.com/stocks/IEFA/) | $605.7K | 6,272 | 0.1% | 25 |
| APPLIED MATLS INC | [AMAT](https://holderbook.com/stocks/AMAT/) | $579.8K | 802 | 0.1% | 3 |
| SPDR SERIES TRUST | [SPSB](https://holderbook.com/stocks/SPSB/) | $579.6K | 19,313 | 0.1% | 31 |
| RBB FUND TRUST | [FEOE](https://holderbook.com/stocks/FEOE/) | $576.5K | 10,796 | 0.1% | 2 |
| ISHARES TR | [IVE](https://holderbook.com/stocks/IVE/) | $572.9K | 2,523 | 0.1% | 31 |
| STATE STR SPDR S&P 500 ETF T | [SPY](https://holderbook.com/stocks/SPY/) | $561.6K | 752 | 0.1% | 28 |

## What the disclosed book did

Not the fund's return. This is the change in value of the positions disclosed on Form 13F, had they been left untouched, against SPY over the same quarter ends.

| Quarter | Book | Market | Difference | Priced |
|---|---|---|---|---|
| Q2 2026 | +11.6% | +14.8% | -3.2% | 100% |
| Q1 2026 | -1.3% | -4.6% | +3.4% | 100% |
| Q4 2025 | +2.6% | +2.4% | +0.3% | 100% |
| Q3 2025 | +7.9% | +7.8% | +0.0% | 100% |
| Q2 2025 | +7.7% | +10.5% | -2.7% | 100% |
| Q1 2025 | -2.8% | -4.6% | +1.8% | 100% |
| Q4 2024 | +0.2% | +2.1% | -2.0% | 100% |
| Q3 2024 | +5.9% | +5.4% | +0.4% | 100% |

## Quarter by quarter

| Quarter | Value | Positions |
|---|---|---|
| Q2 2026 | $431.8M | 179 |
| Q1 2026 | $385.8M | 177 |
| Q4 2025 | $388.0M | 174 |
| Q3 2025 | $373.1M | 167 |
| Q2 2025 | $338.5M | 162 |
| Q1 2025 | $306.4M | 155 |
| Q4 2024 | $310.2M | 152 |
| Q3 2024 | $302.0M | 148 |
| Q2 2024 | $279.8M | 140 |
| Q1 2024 | $272.4M | 139 |
| Q4 2023 | $262.6M | 142 |
| Q3 2023 | $239.2M | 136 |