Gradient Capital Advisors, LLC
Holdings as of 2026-06-30, filed 2026-07-13
This is history, not a current position. These holdings describe 2026-06-30, and the report became public 13 days later. The portfolio has changed since.
Aggregates
computed from the positions belowPositions reported
179
Value reported by manager
$431.8M
Sum of our stored positions
$431.8M
should match the line above
Disclosure lag
13 d
quarter end to filing
Top 5 concentration
23.7%
of the positions shown
New positions
0
vs previous quarter
Exited
0
vs previous quarter
Option positions
0
puts and calls
Positions
179 largest shown| Issuer | Class | Value | Shares | Type | CUSIP |
|---|---|---|---|---|---|
| ISHARES CORE S&P 500 ETF | ETF | $39.2M | 52,370 | — | 464287200 |
| APPLE INC COM | Stock | $20.6M | 71,073 | — | 037833100 |
| STATE STREET SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF | ETF | $15.6M | 309,462 | — | 78463X889 |
| VANGUARD SHORT-TERM CORPORATE BOND ETF | ETF | $14.2M | 180,069 | — | 92206C409 |
| DIMENSIONAL GLOBAL CORE PLUS FIXED INCOME ETF | ETF | $12.8M | 234,833 | — | 25434V583 |
| DIMENSIONAL SHORT-DURATION FIXED INCOME ETF | ETF | $12.3M | 257,184 | — | 25434V864 |
| SCHWAB INTERNATIONAL EQUITY ETF | ETF | $11.8M | 424,587 | — | 808524805 |
| SCHWAB U.S. MID-CAP ETF | ETF | $11.1M | 300,477 | — | 808524508 |
| DIMENSIONAL U.S. TARGETED VALUE ETF | ETF | $9.4M | 134,622 | — | 25434V609 |
| ALPHABET INC CAP STK CL A | Stock | $9.4M | 26,189 | — | 02079K305 |
| DIMENSIONAL EMERGING MARKETS CORE EQUITY 2 ETF | ETF | $9M | 222,157 | — | 25434V732 |
| VANGUARD LARGE-CAP ETF | ETF | $8.5M | 24,826 | — | 922908637 |
| VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF | ETF | $8.5M | 169,781 | — | 922020805 |
| VANGUARD FTSE DEVELOPED MARKETS ETF | ETF | $8.1M | 114,282 | — | 921943858 |
| DIMENSIONAL US SMALL CAP VALUE ETF | ETF | $8.1M | 209,792 | — | 25434V815 |
| SCHWAB U.S. LARGE-CAP ETF | ETF | $7.6M | 259,820 | — | 808524201 |
| JPMORGAN CHASE & CO COM | Stock | $7.4M | 22,691 | — | 46625H100 |
| DIMENSIONAL US MARKETWIDE VALUE ETF | ETF | $6.9M | 124,809 | — | 25434V724 |
| LAM RESEARCH CORP COM NEW | Stock | $6.8M | 15,624 | — | 512807306 |
| NVIDIA CORPORATION COM | Stock | $6.5M | 32,307 | — | 67066G104 |
| DIMENSIONAL US REAL ESTATE ETF | ETF | $5.7M | 219,228 | — | 25434V823 |
| TESLA INC COM | Stock | $5.5M | 13,172 | — | 88160R101 |
| BERKSHIRE HATHAWAY INC DEL CL B NEW | Stock | $5.5M | 11,052 | — | 084670702 |
| JPMORGAN ULTRA-SHORT INCOME ETF | ETF | $5.5M | 108,737 | — | 46641Q837 |
| DIMENSIONAL WORLD EX U.S. CORE EQUITY 2 ETF | ETF | $5.4M | 147,029 | — | 25434V880 |
| DIMENSIONAL US LARGE CAP VALUE ETF | ETF | $5.3M | 133,859 | — | 25434V666 |
| MICROSOFT CORP COM | Stock | $5.1M | 13,695 | — | 594918104 |
| VANGUARD S&P 500 ETF | ETF | $4.8M | 7,019 | — | 922908363 |
| VANGUARD TOTAL INTERNATIONAL STOCK ETF | ETF | $4.8M | 56,214 | — | 921909768 |
| SCHWAB US DIVIDEND EQUITY ETF | ETF | $4.7M | 147,747 | — | 808524797 |
| ISHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF | ETF | $4.6M | 87,994 | — | 464288646 |
| VANGUARD MID-CAP ETF | ETF | $4.4M | 55,041 | — | 922908629 |
| ISHARES MSCI EMERGING MARKETS EX CHINA ETF | ETF | $4.1M | 40,505 | — | 46434G764 |
| BROADCOM INC COM | Stock | $4.1M | 10,801 | — | 11135F101 |
| VANGUARD SMALL-CAP ETF | ETF | $3.9M | 12,790 | — | 922908751 |
| VANGUARD GLOBAL EX-U.S. REAL ESTATE ETF | ETF | $3.9M | 86,245 | — | 922042676 |
| DIMENSIONAL INTERNATIONAL SMALL CAP VALUE ETF | ETF | $3.7M | 91,739 | — | 25434V781 |
| SPDR GOLD SHARES | ETF | $3.6M | 9,846 | — | 78463V107 |
| VANGUARD GROWTH ETF | ETF | $3.5M | 40,643 | — | 922908736 |
| META PLATFORMS INC CL A | Stock | $3.5M | 6,195 | — | 30303M102 |
| CISCO SYS INC COM | Stock | $2.9M | 24,408 | — | 17275R102 |
| TAIWAN SEMICONDUCTOR MANUFACT SPONSORED ADS | ADR | $2.9M | 5,974 | — | 874039100 |
| ADVANCED MICRO DEVICES INC COM | Stock | $2.8M | 4,766 | — | 007903107 |
| STATE STREET SPDR BLOOMBERG 3-12 MONTH T-BILL ETF | ETF | $2.6M | 26,335 | — | 78468R523 |
| VANGUARD VALUE ETF | ETF | $2.5M | 11,486 | — | 922908744 |
| AMAZON COM INC COM | Stock | $2.3M | 9,845 | — | 023135106 |
| VANGUARD SMALL CAP VALUE ETF | ETF | $2.3M | 9,495 | — | 922908611 |
| DIMENSIONAL EMERGING CORE EQUITY MARKET ETF | ETF | $2.3M | 56,704 | — | 25434V302 |
| AVANTIS U.S. MID CAP EQUITY ETF | ETF | $2.2M | 27,007 | — | 025072125 |
| AVANTIS INTERNATIONAL SMALL CAP VALUE ETF | ETF | $2.1M | 20,796 | — | 025072802 |
| SPDR GOLD MINISHARES TRUST OF BENEFICIAL INTEREST | ETF | $2M | 25,547 | — | 98149E303 |
| SCHWAB U.S. BROAD MARKET ETF | ETF | $2M | 69,938 | — | 808524102 |
| WP CAREY INC COM | REIT | $2M | 27,790 | — | 92936U109 |
| BANK OF NY MELLON CORP COM | Stock | $1.9M | 13,347 | — | 064058100 |
| VANGUARD REAL ESTATE ETF | ETF | $1.8M | 19,152 | — | 922908553 |
| VANGUARD FTSE ALL-WORLD EX-US INDEX FUND | ETF | $1.7M | 20,332 | — | 922042775 |
| ISHARES RUSSELL 2000 ETF | ETF | $1.7M | 5,584 | — | 464287655 |
| AVANTIS U.S. SMALL CAP VALUE ETF | ETF | $1.6M | 12,667 | — | 025072877 |
| CHEVRON CORPORATION COM | Stock | $1.5M | 9,282 | — | 166764100 |
| ISHARES 0-3 MONTH TREASURY BOND ETF | ETF | $1.5M | 15,154 | — | 46436E718 |
| VANGUARD TOTAL STOCK MARKET ETF | ETF | $1.5M | 4,113 | — | 922908769 |
| SCHWAB U.S. SMALL-CAP ETF | ETF | $1.4M | 39,787 | — | 808524607 |
| JOHNSON & JOHNSON COM | Stock | $1.4M | 5,325 | — | 478160104 |
| SCHWAB U.S. LARGE-CAP VALUE ETF | ETF | $1.3M | 37,645 | — | 808524409 |
| ISHARES SILVER TRUST | ETF | $1.3M | 23,579 | — | 46428Q109 |
| MICRON TECHNOLOGY INC COM | Stock | $1.2M | 1,053 | — | 595112103 |
| DIMENSIONAL U.S. CORE EQUITY 2 ETF | ETF | $1.2M | 26,013 | — | 25434V708 |
| AMGEN INC COM | Stock | $1.1M | 3,097 | — | 031162100 |
| BANK OF AMER CORP COM | Stock | $1.1M | 19,534 | — | 060505104 |
| CATERPILLAR INC COM | Stock | $1.1M | 1,044 | — | 149123101 |
| INTEL CORP COM | Stock | $1.1M | 7,938 | — | 458140100 |
| VANGUARD DIVIDEND APPRECIATION ETF | ETF | $1.1M | 4,680 | — | 921908844 |
| STATE STREET SPDR EURO STOXX 50 ETF | ETF | $1M | 15,216 | — | 78463X202 |
| INVESCO QQQ TRUST SERIES I | ETF | $998.2K | 1,356 | — | 46090E103 |
| ALPHABET INC CAP STK CL C | Stock | $980.4K | 2,775 | — | 02079K107 |
| STATE STREET CONSUMER STAPLES SELECT SECTOR SPDR ETF | ETF | $945.1K | 11,377 | — | 81369Y308 |
| SCHWAB U.S. REIT ETF | ETF | $944.8K | 39,899 | — | 808524847 |
| QUALCOMM INC COM | Stock | $920K | 4,978 | — | 747525103 |
| ISHARES CORE S&P SMALL CAP ETF | ETF | $909.7K | 6,134 | — | 464287804 |
| COSTCO WHOLESALE CORPORATION COM | Stock | $897.6K | 959 | — | 22160K105 |
| LOCKHEED MARTIN CORP COM | Stock | $878.9K | 1,725 | — | 539830109 |
| VISA INC COM CL A | Stock | $869.8K | 2,535 | — | 92826C839 |
| ISHARES IBONDS DEC 2032 TERM CORPORATE ETF | ETF | $864.8K | 34,329 | — | 46436E312 |
| VANGUARD SHORT-TERM BOND ETF | ETF | $855.6K | 10,982 | — | 921937827 |
| VANGUARD HEALTH CARE ETF | ETF | $854K | 2,856 | — | 92204A504 |
| ISHARES IBONDS DEC 2031 TERM CORPORATE ETF | ETF | $850.3K | 40,801 | — | 46436E486 |
| VANGUARD HIGH DIVIDEND YIELD INDEX ETF | ETF | $838.9K | 5,309 | — | 921946406 |
| DIMENSIONAL INTERNATIONAL CORE EQUITY 2 ETF | ETF | $798.7K | 21,435 | — | 25434V799 |
| HOME DEPOT INC COM | Stock | $780.2K | 2,212 | — | 437076102 |
| ISHARES S&P 500 GROWTH ETF | ETF | $736.1K | 5,352 | — | 464287309 |
| SCHWAB US AGGREGATE BOND ETF | ETF | $724.7K | 31,330 | — | 808524839 |
| VANGUARD FTSE EMERGING MARKETS ETF | ETF | $657.4K | 11,014 | — | 922042858 |
| ISHARES IBONDS DEC 2030 TERM CORPORATE ETF | ETF | $654K | 29,999 | — | 46436E726 |
| DIMENSIONAL INTERNATIONAL CORE EQUITY MARKET ETF | ETF | $643.5K | 15,599 | — | 25434V203 |
| ISHARES CORE MSCI EAFE ETF | ETF | $605.7K | 6,272 | — | 46432F842 |
| APPLIED MATLS INC COM | Stock | $579.8K | 802 | — | 038222105 |
| STATE STREET SPDR PORTFOLIO SHORT TERM CORPORATE BOND ETF | ETF | $579.6K | 19,313 | — | 78464A474 |
| FIRST EAGLE OVERSEAS EQUITY ETF | ETF | $576.5K | 10,796 | — | 75526L878 |
| ISHARES S&P 500 VALUE ETF | ETF | $572.9K | 2,523 | — | 464287408 |
| STATE STREET SPDR S&P 500 ETF | ETF | $561.6K | 752 | — | 78462F103 |
| VANGUARD ULTRA-SHORT BOND ETF | ETF | $554.1K | 11,131 | — | 92203C303 |
| JPMORGAN ULTRA-SHORT MUNICIPAL INCOME ETF | ETF | $553.8K | 10,859 | — | 46641Q654 |
| SCHWAB US TIPS ETF | ETF | $549.3K | 20,727 | — | 808524870 |
| NETFLIX INC. COM | Stock | $540.9K | 7,576 | — | 64110L106 |
| ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF | ETF | $530.6K | 4,864 | — | 464287242 |
| ISHARES MSCI JAPAN VALUE ETF | ETF | $528.1K | 12,013 | — | 46435U374 |
| SCHWAB EMERGING MARKETS EQUITY ETF | ETF | $518.5K | 14,300 | — | 808524706 |
| BLACKSTONE INC COM | Stock | $516.6K | 4,390 | — | 09260D107 |
| ISHARES IBONDS DEC 2034 TERM CORPORATE ETF | ETF | $508.4K | 19,518 | — | 46438G653 |
| ISHARES MSCI EAFE ETF | ETF | $507.5K | 4,885 | — | 464287465 |
| EXXONMOBIL HOLDINGS CORP COM SHS | Stock | $505.7K | 3,698 | — | 30233Q108 |
| ISHARES CORE U.S. AGGREGATE BOND ETF | ETF | $505.5K | 5,107 | — | 464287226 |
| INTERNATIONAL BUSINESS MACHS COM | Stock | $490.5K | 1,744 | — | 459200101 |
| ISHARES IBONDS DEC 2029 TERM CORPORATE ETF | ETF | $488.4K | 21,086 | — | 46436E205 |
| PALO ALTO NETWORKS INC COM | Stock | $457K | 1,340 | — | 697435105 |
| STATE STREET ENERGY SELECT SECTOR SPDR ETF | ETF | $454.2K | 8,553 | — | 81369Y506 |
| INVESCO S&P 500 LOW VOLATILITY ETF | ETF | $450.4K | 6,014 | — | 46138E354 |
| WISDOMTREE U.S. TOTAL DIVIDEND FUND | ETF | $445.2K | 4,774 | — | 97717W109 |
| ISHARES U.S. TECHNOLOGY ETF | ETF | $443.9K | 1,760 | — | 464287721 |
| WELLS FARGO & CO COM | Stock | $441.1K | 5,338 | — | 949746101 |
| DIMENSIONAL U.S. EQUITY MARKET ETF | ETF | $438.6K | 5,353 | — | 25434V401 |
| ISHARES IBONDS DEC 2033 TERM CORPORATE ETF | ETF | $435.5K | 16,915 | — | 46436E130 |
| BLACKROCK INC COM | Stock | $422.6K | 440 | — | 09290D101 |
| ISHARES CORE S&P MID-CAP ETF | ETF | $421K | 5,460 | — | 464287507 |
| STATE STREET SPDR PORTFOLIO S&P 1500 COMPOSITE STOCK MARKET ETF | ETF | $414K | 4,560 | — | 78464A805 |
| INVESCO BULLETSHARES 2031 MUNICIPAL BOND ETF | ETF | $413.5K | 19,704 | — | 46138J411 |
| STARBUCKS CORP COM | Stock | $405.7K | 3,970 | — | 855244109 |
| BOEING CO COM | Stock | $382.8K | 1,768 | — | 097023105 |
| STATE STREET FINANCIAL SELECT SECTOR SPDR ETF | ETF | $369.7K | 6,896 | — | 81369Y605 |
| GOLDMAN SACHS GROUP INC COM | Stock | $365K | 361 | — | 38141G104 |
| AVANTIS U.S. LARGE CAP VALUE ETF | ETF | $361.5K | 3,963 | — | 025072349 |
| STATE STREET TECHNOLOGY SELECT SECTOR SPDR ETF | ETF | $355.9K | 1,868 | — | 81369Y803 |
| ABBVIE INC COM | Stock | $355.1K | 1,411 | — | 00287Y109 |
| FIRST EAGLE GLOBAL EQUITY ETF | ETF | $334.1K | 6,829 | — | 75526L886 |
| CITIZENS FINL GROUP INC COM | Stock | $320.6K | 4,575 | — | 174610105 |
| ISHARES IBONDS DEC 2027 TERM CORPORATE ETF | ETF | $315.3K | 13,020 | — | 46435UAA9 |
| DIMENSIONAL CALIFORNIA MUNICIPAL BOND ETF | ETF | $313.8K | 6,254 | — | 25434V633 |
| PGIM GLOBAL HIGH YIELD FD FORM COM | CEF | $311.7K | 25,764 | — | 69346J106 |
| WALMART INC COM | Stock | $310K | 2,737 | — | 931142103 |
| INTUIT COM | Stock | $306.8K | 1,176 | — | 461202103 |
| ORACLE CORP COM | Stock | $306.6K | 2,092 | — | 68389X105 |
| ISHARES MICRO-CAP ETF | ETF | $302.1K | 1,510 | — | 464288869 |
| FEDEX CORP COM | Stock | $300.9K | 961 | — | 31428X106 |
| ISHARES IBONDS DEC 2026 TERM CORPORATE ETF | ETF | $298.3K | 12,312 | — | 46435GAA0 |
| SCHWAB SHORT-TERM US TREASURY ETF | ETF | $288.6K | 11,954 | — | 808524862 |
| NEWMONT CORP COM | Stock | $288.4K | 3,088 | — | 651639106 |
| DISNEY WALT CO COM | Stock | $285.3K | 2,964 | — | 254687106 |
| ISHARES SELECT U.S. REIT ETF | ETF | $278.6K | 4,120 | — | 464287564 |
| STATE STREET UTILITIES SELECT SECTOR SPDR ETF | ETF | $276.4K | 6,096 | — | 81369Y886 |
| CROWDSTRIKE HLDGS INC CL A | Stock | $276.3K | 362 | — | 22788C105 |
| STATE STREET SPDR S&P REGIONAL BANKING ETF | ETF | $275.4K | 3,680 | — | 78464A698 |
| DIMENSIONAL GLOBAL CREDIT ETF | ETF | $271.2K | 4,961 | — | 25434V567 |
| STATE STREET SPDR BLOOMBERG SHORT TERM HIGH YIELD BOND ETF | ETF | $261.8K | 10,460 | — | 78468R408 |
| PROCTER & GAMBLE CO COM | Stock | $261.2K | 1,781 | — | 742718109 |
| VANGUARD INTERNATIONAL HIGH DIVIDEND YIELD ETF | ETF | $251.2K | 2,558 | — | 921946794 |
| STATE STREET SPDR DOW JONES INDUSTRIAL AVERAGE ETF TRUST | ETF | $248.3K | 475 | — | 78467X109 |
| YUM BRANDS INC COM | Stock | $243.8K | 1,525 | — | 988498101 |
| DIMENSIONAL US CORE EQUITY MARKET ETF | ETF | $241.7K | 4,676 | — | 25434V104 |
| ISHARES IBONDS DEC 2028 TERM CORPORATE ETF | ETF | $240.7K | 9,532 | — | 46435U515 |
| REGENERON PHARMACEUTICALS COM | Stock | $239.4K | 384 | — | 75886F107 |
| RTX CORPORATION COM | Stock | $238.3K | 1,256 | — | 75513E101 |
| MARRIOTT INTL INC NEW CL A | Stock | $236.4K | 638 | — | 571903202 |
| AMERICAN EXPRESS CO COM | Stock | $235.8K | 697 | — | 025816109 |
| FT VEST LADDERED BUFFER ETF | ETF | $233.1K | 6,382 | — | 33740F755 |
| TJX COS INC NEW COM | Stock | $226.8K | 1,497 | — | 872540109 |
| GE VERNOVA INC COM | Stock | $226.7K | 193 | — | 36828A101 |
| ISHARES TIPS BOND ETF | ETF | $226.5K | 2,070 | — | 464287176 |
| ISHARES IBONDS DEC 2035 TERM CORPORATE ETF | ETF | $223.7K | 8,733 | — | 46438G372 |
| DEERE & CO COM | Stock | $222K | 350 | — | 244199105 |
| ISHARES 5-10 YEAR INVESTMENT GRADE CORPORATE BOND ETF | ETF | $220.2K | 4,141 | — | 464288638 |
| JPMORGAN SHORT DURATION CORE PLUS ETF | ETF | $211.1K | 4,478 | — | 46641Q274 |
| ISHARES 0-5 YEAR TIPS BOND ETF | ETF | $210.3K | 2,058 | — | 46429B747 |
| SOUTHERN CO COM | Stock | $207.3K | 2,166 | — | 842587107 |
| NXP SEMICONDUCTORS N V COM | Stock | $206K | 733 | — | N6596X109 |
| INVESCO BULLETSHARES 2030 MUNICIPAL BOND ETF | ETF | $205.6K | 9,381 | — | 46138J445 |
| VANGUARD INTERMEDIATE-TERM CORPORATE BOND ETF | ETF | $204.9K | 2,479 | — | 92206C870 |
| INVESCO BULLETSHARES 2029 CORPORATE BOND ETF | ETF | $194.1K | 10,448 | — | 46138J577 |
| MINDWALK HOLDINGS CORP COM | Stock | $42K | 26,551 | — | 602687105 |
| UR-ENERGY INC COM | Stock | $13.6K | 10,000 | — | 91688R108 |
Values are shown exactly as filed. Before 2023 managers reported in thousands of dollars and afterwards in whole dollars; the reporting unit is not always determinable from the document, so nothing is converted automatically.
Source: U.S. Securities and Exchange Commission, Form 13F · as of 2026-07-13