Gradient Capital Advisors, LLC — Q2 2025 13F Holdings

Name: Gradient Capital Advisors, LLC — 13F Holdings, Q2 2025
Creator: AlphaSMO
License: https://www.sec.gov/forms

CIK: 0001727917

Total reported value

$385.8M

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Full holdings list this quarter

#	Ticker	Issuer	Asset Subclass	Weight	Weight Change	Shares Change
1	IVV	Ishares Core S&p 500 ETF	ETF-Large Cap & Growth	9.58%	-0.24%	+1.20%
2	AAPL	Apple INC	Stock-Tech	4.48%	-0.39%	-3.12%
3	SPDW	Ste Str Spdr Pt Dw EU ETF	ETF-Other	4.03%	—	-3.14%
4	VCSH	Vanguard S/t CORP Bond ETF	ETF-Corp Bonds	3.44%	+0.09%	-7.06%
5	SCHF	Schwab Intl Equity ETF	ETF-Other	3.05%	—	-2.50%
6	DFSD	Dimensional Short Duration	ETF-Other	2.90%	+0.13%	-1.65%
7	SCHM	Schwab US Mid Cap ETF	ETF-Other	2.73%	—	+4.17%
8	VV	Vanguard Large-cap ETF	ETF-Other	2.66%	-0.10%	+62.56%
9	DFAT	Dimensional US Target Value	ETF-Other	2.24%	+0.08%	+0.75%
10	MSFT	Microsoft CORP	Stock-Tech	2.12%	-0.46%	+1.60%
11	VTIP	Vanguard Short-term Tips	ETF-Other	2.08%	+0.14%	-7.25%
12	JPM	Jpmorgan Chase & Co	Stock-Financials	2.08%	-0.19%	+1.02%
13	SCHX	Schwab US Large-cap ETF	ETF-Other	2.04%	-0.10%	+2.10%
14	DFEM	Dimensional Emrg Mrkt Core	ETF-Other	2.02%	+0.10%	-0.02%
15	JPST	Jpmorgan Ultra-short Income	ETF-Other	1.85%	-0.08%	-0.63%
16	VEA	Vanguard Ftse Developed ETF	ETF-Other	1.81%	+0.09%	-0.74%
17	DFUV	Dimensional US Marketwide Va	ETF-Other	1.67%	—	+3.30%
18	TSLA	Tesla INC	Stock-Consumer Disc	1.67%	-0.46%	-7.53%
19	DFSV	Dimensional US Small Cap Val	ETF-Small Cap	1.50%	+0.17%	+23.93%
20	DFAR	Dimensional US Real Est ETF	ETF-Other	1.37%	+0.09%	+3.64%
21	META	Meta Platforms Inc-class A	Stock-Comm Services	1.36%	-0.19%	+2.13%
22	BRK-B	Berkshire Hathaway Inc-cl B	Stock-Other	1.35%	—	+10.16%
23	VOO	Vanguard S&p 500 ETF	ETF-Large Cap & Growth	1.34%	-0.06%	-0.06%
24	NVDA	Nvidia CORP	Stock-Tech	1.29%	-0.10%	+2.67%
25	VXUS	Vanguard Total Intl Stock	ETF-Other	1.27%	—	-3.81%
26	VO	Vanguard Mid-cap ETF	ETF-Other	1.25%	—	+0.07%
27	VUG	Vanguard Growth ETF	ETF-Other	1.24%	-0.28%	+5.58%
28	DFAX	Dimensional World Ex US Core	ETF-Other	1.16%	+0.07%	+1.02%
29	GOOGL	Alphabet Inc-cl A	Stock-Comm Services	1.16%	-0.07%	+1.36%
30	IGSB	Ishares 1-5y Inv Grade CORP	ETF-Other	1.13%	—	-10.93%
31	SCHD	Schwab US Dvd Equity ETF	ETF-Other	1.11%	+0.16%	+4.53%
32	VNQI	Vanguard Glbl Ex-us Real Est	ETF-Other	1.06%	—	+3.22%
33	AVGO	Broadcom INC	Stock-Tech	1.03%	-0.12%	+30.97%
34	VB	Vanguard Small-cap ETF	ETF-Other	0.94%	—	+1.95%
35	DFLV	Dim US Large Cap Value ETF	ETF-Large Cap & Growth	0.92%	+0.10%	+6.34%
36	DISV	Dimensional International Sm	ETF-Other	0.91%	—	-1.76%
37	GLD	Spdr Gold Shares	ETF-Commodities	0.89%	+0.10%	+9.23%
38	BILS	Ss Spdrb B 3-12m T-bill ETF	ETF-Other	0.77%	-0.17%	+80.66%
39	VBR	Vanguard Small-cap Value ETF	ETF-Other	0.68%	-0.06%	-3.63%
40	LRCX	Lam Research CORP	Stock-Tech	0.64%	+0.20%	+3.92%
41	AMZN	Amazon.com INC	Stock-Consumer Disc	0.63%	-0.06%	+3.69%
42	DFAE	Dimensional Emerging Core Eq	ETF-Emerging Markets	0.61%	—	-1.67%
43	GLDM	Spdr Gold Minishares Trust	ETF-Commodities	0.58%	—	-5.56%
44	VTV	Vanguard Value ETF	ETF-Other	0.58%	—	-0.70%
45	SCHB	Schwab US Broad Market ETF	ETF-Other	0.55%	—	+1.28%
46	AVDV	Avantis Intl S/c Value ETF	ETF-Other	0.54%	—	-3.96%
47	WPC	Wp Carey INC	Stock-Real Estate	0.53%	—	-2.42%
48	CSCO	Cisco Systems INC	Stock-Tech	0.47%	—	+29.45%
49	VNQ	Vanguard Real Estate ETF	ETF-Other	0.45%	—	-1.97%
50	VEU	Vanguard Ftse All-world Ex-u	ETF-Other	0.41%	—	+3.72%

1–50 of 162