Gradient Capital Advisors, LLC — Q3 2025 13F Holdings

Name: Gradient Capital Advisors, LLC — 13F Holdings, Q3 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	9.42%	-0.24%	+0.47%
2	AAPL	Apple INC	Stock-Tech	5.02%	-0.39%	-0.59%
3	SPDW	Ste Str Spdr Pt Dw EU ETF	ETF-Other	3.84%	—	-0.53%
4	VCSH	Vanguard S/t CORP Bond ETF	ETF-Corp Bonds	3.43%	+0.09%	+9.39%
5	DFSD	Dimensional Short Duration	ETF-Other	2.87%	+0.13%	+8.95%
6	SCHF	Schwab Intl Equity ETF	ETF-Other	2.83%	—	-2.63%
7	SCHM	Schwab US Mid Cap ETF	ETF-Other	2.55%	—	-2.46%
8	VV	Vanguard Large-cap ETF	ETF-Other	2.23%	-0.10%	-14.45%
9	DFAT	Dimensional US Target Value	ETF-Other	2.19%	+0.08%	+0.02%
10	VTIP	Vanguard Short-term Tips	ETF-Other	2.10%	+0.14%	+10.30%
11	MSFT	Microsoft CORP	Stock-Tech	2.04%	-0.46%	+2.10%
12	JPM	Jpmorgan Chase & Co	Stock-Financials	2.03%	-0.19%	-1.22%
13	SCHX	Schwab US Large-cap ETF	ETF-Other	1.98%	-0.10%	-0.95%
14	DFEM	Dimensional Emrg Mrkt Core	ETF-Other	1.96%	+0.10%	-1.30%
15	TSLA	Tesla INC	Stock-Consumer Disc	1.92%	-0.46%	-9.17%
16	VEA	Vanguard Ftse Developed ETF	ETF-Other	1.73%	+0.09%	-0.06%
17	JPST	Jpmorgan Ultra-short Income	ETF-Other	1.72%	-0.08%	+2.17%
18	NVDA	Nvidia CORP	Stock-Tech	1.69%	-0.10%	+22.01%
19	DFUV	Dimensional US Marketwide Va	ETF-Other	1.59%	—	-0.66%
20	DFSV	Dimensional US Small Cap Val	ETF-Small Cap	1.54%	+0.17%	+4.61%
21	GOOGL	Alphabet Inc-cl A	Stock-Comm Services	1.49%	-0.07%	+2.80%
22	META	Meta Platforms Inc-class A	Stock-Comm Services	1.33%	-0.19%	+8.04%
23	DFAR	Dimensional US Real Est ETF	ETF-Other	1.30%	+0.09%	+2.68%
24	BRK-B	Berkshire Hathaway Inc-cl B	Stock-Other	1.27%	—	+0.38%
25	DFGP	Dimensional Glbl Core Pl Fix	ETF-Other	1.26%	+0.75%	+559.37%
26	VOO	Vanguard S&p 500 ETF	ETF-Large Cap & Growth	1.22%	-0.06%	-6.36%
27	DFAX	Dimensional World Ex US Core	ETF-Other	1.19%	+0.07%	+5.77%
28	VO	Vanguard Mid-cap ETF	ETF-Other	1.18%	—	-1.03%
29	IGSB	Ishares 1-5y Inv Grade CORP	ETF-Other	1.18%	—	+14.03%
30	VXUS	Vanguard Total Intl Stock	ETF-Other	1.17%	—	-4.58%
31	VUG	Vanguard Growth ETF	ETF-Other	1.16%	-0.28%	-5.89%
32	AVGO	Broadcom INC	Stock-Tech	1.09%	-0.12%	-3.20%
33	SCHD	Schwab US Dvd Equity ETF	ETF-Other	1.06%	+0.16%	+1.76%
34	VNQI	Vanguard Glbl Ex-us Real Est	ETF-Other	1.01%	—	+1.59%
35	DFLV	Dim US Large Cap Value ETF	ETF-Large Cap & Growth	0.98%	+0.10%	+10.64%
36	VB	Vanguard Small-cap ETF	ETF-Other	0.91%	—	-1.41%
37	GLD	Spdr Gold Shares	ETF-Commodities	0.90%	+0.10%	-3.51%
38	DISV	Dimensional International Sm	ETF-Other	0.89%	—	+0.29%
39	BILS	Ss Spdrb B 3-12m T-bill ETF	ETF-Other	0.83%	-0.17%	+18.01%
40	LRCX	Lam Research CORP	Stock-Tech	0.79%	+0.20%	-2.16%
41	VBR	Vanguard Small-cap Value ETF	ETF-Other	0.65%	-0.06%	-1.42%
42	GLDM	Spdr Gold Minishares Trust	ETF-Commodities	0.62%	—	+0.72%
43	AMZN	Amazon.com INC	Stock-Consumer Disc	0.60%	-0.06%	+4.56%
44	VTV	Vanguard Value ETF	ETF-Other	0.56%	—	+0.56%
45	DFAE	Dimensional Emerging Core Eq	ETF-Emerging Markets	0.55%	—	-8.53%
46	AVDV	Avantis Intl S/c Value ETF	ETF-Other	0.53%	—	-3.14%
47	SCHB	Schwab US Broad Market ETF	ETF-Other	0.53%	—	-2.69%
48	WPC	Wp Carey INC	Stock-Real Estate	0.51%	—	-1.23%
49	VNQ	Vanguard Real Estate ETF	ETF-Other	0.43%	—	+2.21%
50	VEU	Vanguard Ftse All-world Ex-u	ETF-Other	0.43%	—	+8.49%

1–50 of 167

Holding changes this quarter

Position changes disclosed by Gradient Capital Advisors, LLC for the quarter ending Q3 2025, including ticker, issuer, weight change, shares change, and action
#	Ticker	Issuer	Weight Change	Shares Change	Action
1	DFGP	Dimensional Glbl Core Pl Fix	+1.2%	+559.37%	Add
2	NVDA	Nvidia CORP	+0.7%	+22.01%	Add
3	VV	Vanguard Large-cap ETF	+0.6%	-14.45%	Add
4	AVGO	Broadcom INC	+0.6%	-3.20%	Add
5	GOOGL	Alphabet Inc-cl A	+0.4%	+2.80%	Add
6	BILS	Ss Spdrb B 3-12m T-bill ETF	+0.4%	+18.01%	Add
7	MSFT	Microsoft CORP	+0.3%	+2.10%	Add
8	TSLA	Tesla INC	+0.3%	-9.17%	Trim
9	LRCX	Lam Research CORP	+0.3%	-2.16%	Add
10	DFSV	Dimensional US Small Cap Val	+0.3%	+4.61%	Add
11	META	Meta Platforms Inc-class A	+0.2%	+8.04%	Add
12	SLV	Ishares Silver Trust	+0.2%	+19.98%	Add
13	TSM	Taiwan Semiconductor-sp Adr	+0.1%	+2.76%	Add
14	AVMC	Avantis US Mid Cap Eq ETF	+0.1%	+29.49%	Add
15	JPM	Jpmorgan Chase & Co	+0.1%	-1.22%	Trim
16	QQQ	Invesco Qqq Trust Series 1	+0.1%	+40.57%	Add
17	CSCO	Cisco Systems INC	+0.1%	+2.11%	Add
18	DFAX	Dimensional World Ex US Core	+0.1%	+5.77%	Add
19	VUG	Vanguard Growth ETF	+0.1%	-5.89%	Trim
20	COST	Costco Wholesale CORP	+0.1%	+48.73%	Add
21	GLD	Spdr Gold Shares	+0.1%	-3.51%	Add
22	VEU	Vanguard Ftse All-world Ex-u	0%	+8.49%	Add
23	AVUV	Avantis US Small Cap Value	0%	-4.60%	Add
24	FEZ	State Street Spdr Euro Stoxx	0%	-1.21%	Add
25	DFLV	Dim US Large Cap Value ETF	0%	+10.64%	Add
26	AMD	Advanced Micro Devices	0%	-1.42%	Trim
27	VNQI	Vanguard Glbl Ex-us Real Est	0%	+1.59%	Add
28	AMZN	Amazon.com INC	0%	+4.56%	Add
29	SCHX	Schwab US Large-cap ETF	0%	-0.95%	Add
30	DISV	Dimensional International Sm	0%	+0.29%	Trim
31	GLDM	Spdr Gold Minishares Trust	0%	+0.72%	Trim
32	AVDV	Avantis Intl S/c Value ETF	0%	-3.14%	Trim
33	DFEM	Dimensional Emrg Mrkt Core	0%	-1.30%	Trim
34	IVV	Ishares Core S&p 500 ETF	-0.1%	+0.47%	Add
35	VB	Vanguard Small-cap ETF	-0.1%	-1.41%	Add
36	VEA	Vanguard Ftse Developed ETF	-0.1%	-0.06%	Trim
37	VO	Vanguard Mid-cap ETF	-0.1%	-1.03%	Trim
38	VOO	Vanguard S&p 500 ETF	-0.1%	-6.36%	Trim
39	DFAT	Dimensional US Target Value	-0.2%	+0.02%	Add
40	DFUV	Dimensional US Marketwide Va	-0.2%	-0.66%	Add
41	VXUS	Vanguard Total Intl Stock	-0.2%	-4.58%	Trim
42	SCHM	Schwab US Mid Cap ETF	-0.2%	-2.46%	Add
43	DFAR	Dimensional US Real Est ETF	-0.2%	+2.68%	Add
44	SCHF	Schwab Intl Equity ETF	-0.3%	-2.63%	Trim
45	SPDW	Ste Str Spdr Pt Dw EU ETF	-0.3%	-0.53%	Trim
46	DFSD	Dimensional Short Duration	-0.4%	+8.95%	Add
47	AAPL	Apple INC	-0.5%	-0.59%	Trim
48	VCSH	Vanguard S/t CORP Bond ETF	-0.6%	+9.39%	Add
49	BNY	Bank Of New York Mellon CORP	—	NEW	New buy
50	XLK	Ss Technology Select Sector	—	NEW	New buy