Gradient Capital Advisors, LLC — Q4 2025 13F Holdings

Name: Gradient Capital Advisors, LLC — 13F Holdings, Q4 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	9.20%	-0.24%	-0.67%
2	AAPL	Apple INC	Stock-Tech	5.10%	-0.39%	-1.04%
3	SPDW	Ste Str Spdr Pt Dw EU ETF	ETF-Other	3.69%	—	-3.84%
4	VCSH	Vanguard S/t CORP Bond ETF	ETF-Corp Bonds	3.53%	+0.09%	+7.39%
5	SCHF	Schwab Intl Equity ETF	ETF-Other	2.78%	—	-1.29%
6	DFSD	Dimensional Short Duration	ETF-Other	2.77%	+0.13%	+0.90%
7	SCHM	Schwab US Mid Cap ETF	ETF-Other	2.45%	—	-1.72%
8	DFGP	Dimensional Glbl Core Pl Fix	ETF-Other	2.29%	+0.75%	+94.35%
9	DFAT	Dimensional US Target Value	ETF-Other	2.16%	+0.08%	+0.13%
10	VV	Vanguard Large-cap ETF	ETF-Other	2.05%	-0.10%	-6.20%
11	DFEM	Dimensional Emrg Mrkt Core	ETF-Other	1.96%	+0.10%	+1.25%
12	VTIP	Vanguard Short-term Tips	ETF-Other	1.96%	+0.14%	-0.72%
13	GOOGL	Alphabet Inc-cl A	Stock-Comm Services	1.94%	-0.07%	+5.62%
14	JPM	Jpmorgan Chase & Co	Stock-Financials	1.92%	-0.19%	-3.56%
15	SCHX	Schwab US Large-cap ETF	ETF-Other	1.84%	-0.10%	-4.97%
16	VEA	Vanguard Ftse Developed ETF	ETF-Other	1.82%	+0.09%	+5.16%
17	MSFT	Microsoft CORP	Stock-Tech	1.80%	-0.46%	-1.67%
18	TSLA	Tesla INC	Stock-Consumer Disc	1.77%	-0.46%	-5.51%
19	DFSV	Dimensional US Small Cap Val	ETF-Small Cap	1.68%	+0.17%	+9.57%
20	NVDA	Nvidia CORP	Stock-Tech	1.57%	-0.10%	-3.53%
21	DFUV	Dimensional US Marketwide Va	ETF-Other	1.57%	—	-1.72%
22	JPST	Jpmorgan Ultra-short Income	ETF-Other	1.45%	-0.08%	-11.84%
23	BRK-B	Berkshire Hathaway Inc-cl B	Stock-Other	1.23%	—	+0.96%
24	DFAR	Dimensional US Real Est ETF	ETF-Other	1.22%	+0.09%	+1.48%
25	DFAX	Dimensional World Ex US Core	ETF-Other	1.20%	+0.07%	+0.83%
26	IGSB	Ishares 1-5y Inv Grade CORP	ETF-Other	1.17%	—	+3.54%
27	VOO	Vanguard S&p 500 ETF	ETF-Large Cap & Growth	1.15%	-0.06%	-4.74%
28	META	Meta Platforms Inc-class A	Stock-Comm Services	1.14%	-0.19%	-0.82%
29	VXUS	Vanguard Total Intl Stock	ETF-Other	1.14%	—	-1.94%
30	VUG	Vanguard Growth ETF	ETF-Other	1.10%	-0.28%	-3.06%
31	VO	Vanguard Mid-cap ETF	ETF-Other	1.09%	—	-2.44%
32	DFLV	Dim US Large Cap Value ETF	ETF-Large Cap & Growth	1.09%	+0.10%	+10.40%
33	SCHD	Schwab US Dvd Equity ETF	ETF-Other	1.02%	+0.16%	-0.66%
34	AVGO	Broadcom INC	Stock-Tech	1.01%	-0.12%	-8.25%
35	VNQI	Vanguard Glbl Ex-us Real Est	ETF-Other	0.96%	—	+2.80%
36	GLD	Spdr Gold Shares	ETF-Commodities	0.95%	+0.10%	-1.80%
37	LRCX	Lam Research CORP	Stock-Tech	0.94%	+0.20%	-2.64%
38	DISV	Dimensional International Sm	ETF-Other	0.94%	—	+2.21%
39	VB	Vanguard Small-cap ETF	ETF-Other	0.87%	—	-2.03%
40	BILS	Ss Spdrb B 3-12m T-bill ETF	ETF-Other	0.74%	-0.17%	-7.48%
41	VBR	Vanguard Small-cap Value ETF	ETF-Other	0.62%	-0.06%	-1.99%
42	GLDM	Spdr Gold Minishares Trust	ETF-Commodities	0.61%	—	-7.95%
43	AMZN	Amazon.com INC	Stock-Consumer Disc	0.60%	-0.06%	-1.80%
44	VTV	Vanguard Value ETF	ETF-Other	0.54%	—	-1.19%
45	AVDV	Avantis Intl S/c Value ETF	ETF-Other	0.53%	—	-1.70%
46	DFAE	Dimensional Emerging Core Eq	ETF-Emerging Markets	0.52%	—	-5.18%
47	CSCO	Cisco Systems INC	Stock-Tech	0.49%	—	+5.93%
48	SCHB	Schwab US Broad Market ETF	ETF-Other	0.47%	—	-9.29%
49	WPC	Wp Carey INC	Stock-Real Estate	0.46%	—	-0.72%
50	TSM	Taiwan Semiconductor-sp Adr	Stock-Tech	0.46%	+0.05%	+6.15%

1–50 of 174

Holding changes this quarter

Position changes disclosed by Gradient Capital Advisors, LLC for the quarter ending Q4 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%	+94.35%	Add
2	GOOGL	Alphabet Inc-cl A	+0.5%	+5.62%	Add
3	BNY	Bank Of New York Mellon CORP	+0.2%	+123.82%	Add
4	LRCX	Lam Research CORP	+0.2%	-2.64%	Trim
5	DFSV	Dimensional US Small Cap Val	+0.1%	+9.57%	Add
6	SLV	Ishares Silver Trust	+0.1%	-3.14%	Trim
7	DFLV	Dim US Large Cap Value ETF	+0.1%	+10.40%	Add
8	VCSH	Vanguard S/t CORP Bond ETF	+0.1%	+7.39%	Add
9	INTU	Intuit INC	+0.1%	+86.24%	Add
10	VEA	Vanguard Ftse Developed ETF	+0.1%	+5.16%	Add
11	AAPL	Apple INC	+0.1%	-1.04%	Trim
12	AVMC	Avantis US Mid Cap Eq ETF	+0.1%	+30.37%	Add
13	CSCO	Cisco Systems INC	+0.1%	+5.93%	Add
14	GLD	Spdr Gold Shares	+0.1%	-1.80%	Trim
15	DISV	Dimensional International Sm	+0.1%	+2.21%	Add
16	TSM	Taiwan Semiconductor-sp Adr	+0.1%	+6.15%	Add
17	GOOG	Alphabet Inc-cl C	+0.1%	—	Unchanged
18	WFC	Wells Fargo & Co	0%	+26.10%	Add
19	DFAX	Dimensional World Ex US Core	0%	+0.83%	Add
20	DFEM	Dimensional Emrg Mrkt Core	—	+1.25%	Add
21	DFAT	Dimensional US Target Value	0%	+0.13%	Add
22	SCHF	Schwab Intl Equity ETF	-0.1%	-1.29%	Trim
23	QCOM	Qualcomm INC	-0.1%	-14.73%	Trim
24	HD	Home Depot INC	-0.1%	-0.88%	Trim
25	NFLX	Netflix INC	-0.1%	+882.09%	Add
26	SCHB	Schwab US Broad Market ETF	-0.1%	-9.29%	Trim
27	AVGO	Broadcom INC	-0.1%	-8.25%	Trim
28	BILS	Ss Spdrb B 3-12m T-bill ETF	-0.1%	-7.48%	Trim
29	VO	Vanguard Mid-cap ETF	-0.1%	-2.44%	Trim
30	NVDA	Nvidia CORP	-0.1%	-3.53%	Trim
31	VTIP	Vanguard Short-term Tips	-0.1%	-0.72%	Trim
32	SCHX	Schwab US Large-cap ETF	-0.1%	-4.97%	Trim
33	TSLA	Tesla INC	-0.2%	-5.51%	Trim
34	VV	Vanguard Large-cap ETF	-0.2%	-6.20%	Trim
35	META	Meta Platforms Inc-class A	-0.2%	-0.82%	Trim
36	IVV	Ishares Core S&p 500 ETF	-0.2%	-0.67%	Trim
37	MSFT	Microsoft CORP	-0.2%	-1.67%	Trim
38	JPST	Jpmorgan Ultra-short Income	-0.3%	-11.84%	Trim
39	SGOV	Ishares 0-3 Month Treasury B	—	NEW	New buy
40	NEM	Newmont CORP	—	NEW	New buy
41	POWR	Ishares US Power Infrastruct	—	EXIT	Sold out
42	DGCB	Dimensional Global Credit	—	NEW	New buy
43	CFG	Citizens Financial Group	—	NEW	New buy
44	LLY	Eli Lilly & Co	—	NEW	New buy
45	ISRG	Intuitive Surgical INC	—	NEW	New buy
46	BUFR	Ft Vest Lad Buffervetf-usd I	—	NEW	New buy
47	DFAU	Dimensional US Core Equity M	—	NEW	New buy
48	AMAT	Applied Materials INC	—	NEW	New buy
49	MAR	Marriott International -cl A	—	NEW	New buy
50	SO	Southern Co/the	—	EXIT	Sold out