CIK: 0001727917
Total reported value
$385.8M
Reporting period: 2026-03-31 · Number of holdings: 177
Gradient Capital Advisors, LLC disclosed 177 holdings in its latest 13F filing for the period ending 2026-03-31, with total reported value of $385.8M and a quarterly turnover rate of 8.9%.
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Gradient Capital Advisors, LLC's disclosed holdings carry a Herfindahl concentration index of 0.023 — mathematically equivalent to about 43 equally-sized positions, well below its 177 actual disclosed holdings. That gap points to a strategy built around a small core of high-conviction bets rather than broad diversification.
Position sizes vary widely across the portfolio (a coefficient of variation of 1.77), with a handful of outsized bets alongside many smaller positions.
No strong tilt toward either adding to existing winners or initiating outsized new positions was observed in the latest reported quarter.
Sector classification currently covers about 24% of this portfolio's disclosed value; the remainder includes holdings (e.g. unmapped tickers, options, or other security types) not yet covered by our sector mapping.
Add DFGP
+32.0% $2.8M
Trim MSFT
-3.1% -$1.8M
Trim TSLA
-10.7% -$1.8M
Trim AAPL
-1.6% -$1.6M
Trim VUG
-17.3% -$1.1M
Trim IVV
+1.4% -$1.2M
| # | Ticker | Issuer | Asset Subclass | Weight | Weight Change | Shares Change | 4Q Trend |
|---|---|---|---|---|---|---|---|
| 1 | IVV | Ishares Core S&p 500 ETF | ETF-Large Cap & Growth | 8.96% | -0.24% | +1.43% | |
| 2 | AAPL | Apple INC | Stock-Tech | 4.71% | -0.39% | -1.60% | |
| 3 | SPDW | Ste Str Spdr Pt Dw EU ETF | ETF-Other | 3.73% | — | -2.15% | |
| 4 | VCSH | Vanguard S/t CORP Bond ETF | ETF-Corp Bonds | 3.62% | +0.09% | +2.48% | |
| 5 | DFGP | Dimensional Glbl Core Pl Fix | ETF-Other | 3.04% | +0.75% | +32.05% | |
| 6 | DFSD | Dimensional Short Duration | ETF-Other | 2.90% | +0.13% | +4.12% | |
| 7 | SCHF | Schwab Intl Equity ETF | ETF-Other | 2.79% | — | -2.94% | |
| 8 | SCHM | Schwab US Mid Cap ETF | ETF-Other | 2.49% | — | -1.99% | |
| 9 | DFAT | Dimensional US Target Value | ETF-Other | 2.24% | +0.08% | -1.44% | |
| 10 | VTIP | Vanguard Short-term Tips | ETF-Other | 2.10% | +0.14% | +5.54% | |
| 11 | DFEM | Dimensional Emrg Mrkt Core | ETF-Other | 2.06% | +0.10% | -0.36% | |
| 12 | VV | Vanguard Large-cap ETF | ETF-Other | 1.95% | -0.10% | -0.43% | |
| 13 | VEA | Vanguard Ftse Developed ETF | ETF-Other | 1.91% | +0.09% | +1.59% | |
| 14 | GOOGL | Alphabet Inc-cl A | Stock-Comm Services | 1.87% | -0.07% | +4.00% | |
| 15 | DFSV | Dimensional US Small Cap Val | ETF-Small Cap | 1.85% | +0.17% | +3.02% | |
| 16 | SCHX | Schwab US Large-cap ETF | ETF-Other | 1.74% | -0.10% | -1.76% | |
| 17 | JPM | Jpmorgan Chase & Co | Stock-Financials | 1.73% | -0.19% | -1.95% | |
| 18 | DFUV | Dimensional US Marketwide Va | ETF-Other | 1.58% | — | -3.47% | |
| 19 | NVDA | Nvidia CORP | Stock-Tech | 1.47% | -0.10% | -0.33% | |
| 20 | JPST | Jpmorgan Ultra-short Income | ETF-Other | 1.37% | -0.08% | -6.35% | |
| 21 | MSFT | Microsoft CORP | Stock-Tech | 1.34% | -0.46% | -3.14% | |
| 22 | DFAR | Dimensional US Real Est ETF | ETF-Other | 1.31% | +0.09% | +3.98% | |
| 23 | TSLA | Tesla INC | Stock-Consumer Disc | 1.31% | -0.46% | -10.70% | |
| 24 | DFAX | Dimensional World Ex US Core | ETF-Other | 1.27% | +0.07% | +0.88% | |
| 25 | BRK-B | Berkshire Hathaway Inc-cl B | Stock-Other | 1.21% | — | +2.41% | |
| 26 | DFLV | Dim US Large Cap Value ETF | ETF-Large Cap & Growth | 1.19% | +0.10% | +4.50% | |
| 27 | SCHD | Schwab US Dvd Equity ETF | ETF-Other | 1.19% | +0.16% | +3.72% | |
| 28 | IGSB | Ishares 1-5y Inv Grade CORP | ETF-Other | 1.17% | — | -0.27% | |
| 29 | LRCX | Lam Research CORP | Stock-Tech | 1.14% | +0.20% | -3.51% | |
| 30 | VXUS | Vanguard Total Intl Stock | ETF-Other | 1.12% | — | -4.34% | |
| 31 | VOO | Vanguard S&p 500 ETF | ETF-Large Cap & Growth | 1.09% | -0.06% | -1.06% | |
| 32 | VO | Vanguard Mid-cap ETF | ETF-Other | 1.07% | — | -1.95% | |
| 33 | GLD | Spdr Gold Shares | ETF-Commodities | 1.05% | +0.10% | +1.40% | |
| 34 | META | Meta Platforms Inc-class A | Stock-Comm Services | 0.95% | -0.19% | -4.45% | |
| 35 | VNQI | Vanguard Glbl Ex-us Real Est | ETF-Other | 0.95% | — | +0.74% | |
| 36 | DISV | Dimensional International Sm | ETF-Other | 0.93% | — | -4.48% | |
| 37 | AVGO | Broadcom INC | Stock-Tech | 0.89% | -0.12% | -1.35% | |
| 38 | VB | Vanguard Small-cap ETF | ETF-Other | 0.88% | — | -0.74% | |
| 39 | VUG | Vanguard Growth ETF | ETF-Other | 0.82% | -0.28% | -17.29% | |
| 40 | EMXC | Ishares Msci Emr Mrk Ex Chna | ETF-Other | 0.77% | +0.77% | NEW | |
| 41 | GLDM | Spdr Gold Minishares Trust | ETF-Commodities | 0.62% | — | -6.96% | |
| 42 | VTV | Vanguard Value ETF | ETF-Other | 0.57% | — | +2.49% | |
| 43 | BILS | Ss Spdrb B 3-12m T-bill ETF | ETF-Other | 0.57% | -0.17% | -23.31% | |
| 44 | VBR | Vanguard Small-cap Value ETF | ETF-Other | 0.56% | -0.06% | -12.78% | |
| 45 | AVDV | Avantis Intl S/c Value ETF | ETF-Other | 0.56% | — | -2.21% | |
| 46 | AMZN | Amazon.com INC | Stock-Consumer Disc | 0.54% | -0.06% | -0.59% | |
| 47 | DFAE | Dimensional Emerging Core Eq | ETF-Emerging Markets | 0.52% | — | -5.58% | |
| 48 | TSM | Taiwan Semiconductor-sp Adr | Stock-Tech | 0.51% | +0.05% | -0.27% | |
| 49 | CVX | Chevron CORP | Stock-Energy | 0.50% | +0.14% | -0.28% | |
| 50 | WPC | Wp Carey INC | Stock-Real Estate | 0.49% | — | -0.26% |
Performance for Q3 2026
+3.4%
Performance Last 4 Quarters
+23.7%
Based on 67% of reported portfolio value with available pricing
| Period | Holdings | Total value | Stability | Top holdings |
|---|---|---|---|---|
| 2026-03-31 | 177 | $385.8M | 9 | |
| 2025-12-31 | 174 | $388.0M | 8 | |
| 2025-09-30 | 167 | $373.1M | 20 | |
| 2025-06-30 | 162 | $338.5M | 0 | |
| 2025-03-31 | 155 | $306.4M | 100 | |
| 2024-12-31 | 152 | $310.2M | 0 | |
| 2024-09-30 | 148 | $302.0M | 0 | |
| 2024-06-30 | 140 | $279.8M | 0 | |
| 2024-03-31 | 139 | $272.4M | 0 | |
| 2023-12-31 | 142 | $262.6M | 0 | |
| 2023-09-30 | 136 | $239.2M | 0 | |
| 2023-06-30 | 139 | $249.4M | 0 | |
| 2023-03-31 | 138 | $235.2M | 0 | |
| 2022-12-31 | 134 | $220.1M | 0 | |
| 2022-09-30 | 130 | $209.4M | 0 | |
| 2022-06-30 | 112 | $208.4M | 0 | |
| 2022-03-31 | 125 | $236.1M | 0 | |
| 2021-12-31 | 123 | $240.2M | 0 | |
| 2021-09-30 | 120 | $218.1M | 0 | |
| 2021-06-30 | 118 | $213.4M | 94 | |
| 2021-03-31 | 106 | $188.9M | 12 | |
| 2020-12-31 | 104 | $175.4M | 14 | |
| 2020-09-30 | 99 | $160.2M | 14 | |
| 2020-06-30 | 98 | $147.9M | 23 | |
| 2020-03-31 | 90 | $123.9M | 26 | |
| 2019-12-31 | 92 | $143.7M | 11 | |
| 2019-09-30 | 87 | $133.9M | 7 | |
| 2019-06-30 | 88 | $130.2M | 9 | |
| 2019-03-31 | 87 | $125.4M | 11 | |
| 2018-12-31 | 87 | $115.8M | 20 | |
| 2018-09-30 | 87 | $118.6M | 14 | |
| 2018-06-30 | 84 | $107.6M | 21 | |
| 2018-03-31 | 80 | $100.1M | 11 | |
| 2017-12-31 | 78 | $97.6M | 0 |
Gradient Capital Advisors, LLC's most significant position changes for 2026-03-31: New buy: Ishares Msci Emr Mrk Ex Chna (EMXC); New buy: Ishares Msci Japan Value ETF (EWJV); New buy: First Eagle Overseas Eq ETF (FEOE); New buy: Micron Technology INC (MU); Sold out: Eli Lilly & Co (LLY).
| # | Ticker | Issuer | Weight Change | Shares Change | Action |
|---|---|---|---|---|---|
| 1 | DFGP | Dimensional Glbl Core Pl Fix | +0.8% | +32.05% | Add |
| 2 | LRCX | Lam Research CORP | +0.2% | -3.51% | Trim |
| 3 | DFSV | Dimensional US Small Cap Val | +0.2% | +3.02% | Add |
| 4 | SCHD | Schwab US Dvd Equity ETF | +0.2% | +3.72% | Add |
| 5 | VTIP | Vanguard Short-term Tips | +0.1% | +5.54% | Add |
| 6 | CVX | Chevron CORP | +0.1% | -0.28% | Trim |
| 7 | DFSD | Dimensional Short Duration | +0.1% | +4.12% | Add |
| 8 | DFLV | Dim US Large Cap Value ETF | +0.1% | +4.50% | Add |
| 9 | GLD | Spdr Gold Shares | +0.1% | +1.40% | Add |
| 10 | DFEM | Dimensional Emrg Mrkt Core | +0.1% | -0.36% | Trim |
| 11 | DFAR | Dimensional US Real Est ETF | +0.1% | +3.98% | Add |
| 12 | VEA | Vanguard Ftse Developed ETF | +0.1% | +1.59% | Add |
| 13 | VCSH | Vanguard S/t CORP Bond ETF | +0.1% | +2.48% | Add |
| 14 | DFAT | Dimensional US Target Value | +0.1% | -1.44% | Trim |
| 15 | DFAX | Dimensional World Ex US Core | +0.1% | +0.88% | Add |
| 16 | AVMC | Avantis US Mid Cap Eq ETF | +0.1% | +13.27% | Add |
| 17 | LMT | Lockheed Martin CORP | +0.1% | +0.41% | Add |
| 18 | TSM | Taiwan Semiconductor-sp Adr | +0.1% | -0.27% | Trim |
| 19 | JNJ | Johnson & Johnson | +0.1% | -0.74% | Trim |
| 20 | XOM | Exxon Mobil CORP | 0% | -0.67% | Trim |
| 21 | BX | Blackstone INC | 0% | — | Unchanged |
| 22 | AMD | Advanced Micro Devices | 0% | -9.96% | Trim |
| 23 | VOO | Vanguard S&p 500 ETF | -0.1% | -1.06% | Trim |
| 24 | VBR | Vanguard Small-cap Value ETF | -0.1% | -12.78% | Trim |
| 25 | AMZN | Amazon.com INC | -0.1% | -0.59% | Trim |
| 26 | GOOGL | Alphabet Inc-cl A | -0.1% | +4.00% | Add |
| 27 | JPST | Jpmorgan Ultra-short Income | -0.1% | -6.35% | Trim |
| 28 | SCHX | Schwab US Large-cap ETF | -0.1% | -1.76% | Trim |
| 29 | VV | Vanguard Large-cap ETF | -0.1% | -0.43% | Trim |
| 30 | NVDA | Nvidia CORP | -0.1% | -0.33% | Trim |
| 31 | QCOM | Qualcomm INC | -0.1% | -22.00% | Trim |
| 32 | AVGO | Broadcom INC | -0.1% | -1.35% | Trim |
| 33 | INTU | Intuit INC | -0.1% | -29.71% | Trim |
| 34 | BILS | Ss Spdrb B 3-12m T-bill ETF | -0.2% | -23.31% | Trim |
| 35 | JPM | Jpmorgan Chase & Co | -0.2% | -1.95% | Trim |
| 36 | META | Meta Platforms Inc-class A | -0.2% | -4.45% | Trim |
| 37 | IVV | Ishares Core S&p 500 ETF | -0.2% | +1.43% | Add |
| 38 | VUG | Vanguard Growth ETF | -0.3% | -17.29% | Trim |
| 39 | AAPL | Apple INC | -0.4% | -1.60% | Trim |
| 40 | MSFT | Microsoft CORP | -0.5% | -3.14% | Trim |
| 41 | TSLA | Tesla INC | -0.5% | -10.70% | Trim |
| 42 | EMXC | Ishares Msci Emr Mrk Ex Chna | — | NEW | New buy |
| 43 | EWJV | Ishares Msci Japan Value ETF | — | NEW | New buy |
| 44 | FEOE | First Eagle Overseas Eq ETF | — | NEW | New buy |
| 45 | MU | Micron Technology INC | — | NEW | New buy |
| 46 | LLY | Eli Lilly & Co | — | EXIT | Sold out |
| 47 | ISRG | Intuitive Surgical INC | — | EXIT | Sold out |
| 48 | ADBE | Adobe INC | — | EXIT | Sold out |
| 49 | SO | Southern Co/the | — | NEW | New buy |
| 50 | VCIT | Vanguard Int-term Corporate | — | NEW | New buy |
| Period | Filed | Type | EDGAR |
|---|---|---|---|
| 2026-03-31 | 2026-04-16 | 13F-HR | View on EDGAR |
| 2025-12-31 | 2026-02-06 | 13F-HR | View on EDGAR |
| 2025-09-30 | 2025-10-27 | 13F-HR | View on EDGAR |
| 2025-06-30 | 2025-07-16 | 13F-HR | View on EDGAR |
| 2025-03-31 | 2025-05-05 | 13F-HR | View on EDGAR |
| 2024-12-31 | 2025-01-29 | 13F-HR | View on EDGAR |
| 2024-09-30 | 2024-10-16 | 13F-HR | View on EDGAR |
| 2024-06-30 | 2024-07-22 | 13F-HR | View on EDGAR |
| 2024-03-31 | 2024-04-17 | 13F-HR | View on EDGAR |
| 2023-12-31 | 2024-02-01 | 13F-HR | View on EDGAR |
| 2023-09-30 | 2023-10-25 | 13F-HR | View on EDGAR |
| 2023-06-30 | 2023-07-19 | 13F-HR | View on EDGAR |
| 2023-03-31 | 2023-04-18 | 13F-HR | View on EDGAR |
| 2022-12-31 | 2023-02-06 | 13F-HR | View on EDGAR |
| 2022-09-30 | 2022-11-07 | 13F-HR | View on EDGAR |
| 2022-06-30 | 2022-07-18 | 13F-HR | View on EDGAR |
| 2022-03-31 | 2022-04-29 | 13F-HR | View on EDGAR |
| 2021-12-31 | 2022-01-31 | 13F-HR | View on EDGAR |
| 2021-09-30 | 2021-11-02 | 13F-HR | View on EDGAR |
| 2021-06-30 | 2021-08-02 | 13F-HR | View on EDGAR |
| 2021-03-31 | 2021-04-21 | 13F-HR | View on EDGAR |
| 2020-12-31 | 2021-01-20 | 13F-HR | View on EDGAR |
| 2020-09-30 | 2020-10-21 | 13F-HR | View on EDGAR |
| 2020-06-30 | 2020-07-28 | 13F-HR | View on EDGAR |
| 2020-03-31 | 2020-04-22 | 13F-HR | View on EDGAR |
| 2019-12-31 | 2020-01-16 | 13F-HR | View on EDGAR |
| 2019-09-30 | 2019-10-22 | 13F-HR | View on EDGAR |
| 2019-06-30 | 2019-07-16 | 13F-HR | View on EDGAR |
| 2019-03-31 | 2019-04-16 | 13F-HR | View on EDGAR |
| 2018-12-31 | 2019-01-30 | 13F-HR | View on EDGAR |
| 2018-09-30 | 2018-11-06 | 13F-HR | View on EDGAR |
| 2018-06-30 | 2018-07-26 | 13F-HR | View on EDGAR |
| 2018-03-31 | 2018-04-20 | 13F-HR | View on EDGAR |
| 2017-12-31 | 2018-02-12 | 13F-HR | View on EDGAR |
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