Managers / Q4 2018 · view latest →

Gradient Capital Advisors, LLC

CIK 0001727917 · 2125 POINSETTIA DRIVE, SAN DIEGO, CA, 92107 · 619-255-0700

Reported Value

$116M

Q4 2018

Positions

Filings on Record

2019–present window

Filed

Jan 30, 2019

original filing

Summary

Gradient Capital Advisors, LLC reported $116M in U.S.-listed holdings across 87 positions for Q4 2018.

Its largest position, Ishares Core S P 500 Etf, represents 9.4% of the portfolio.

Portfolio Metrics

Top-10 Concentration

+51.6%

share of reported value

Largest Position

+9.4%

Ishares Core S P 500 Etf

Methodology: turnover is min(value bought, value sold) ÷ average reported value across the two quarters — value-based, so market moves inflate it slightly versus a share-based measure. Concentration and largest position are shares of the filing’s total reported value, options excluded. New/exited counts compare against the prior filed quarter. All figures derive solely from the fund’s 13F filings.

Reported Value by Quarter

13F Reported Value

Portfolio Composition

By security type

ETP · 84.9% · $98M
Common Stock · 11.6% · $13M
REIT · 2.9% · $3M
Other · 0.3% · $357,000
Closed-End Fund · 0.3% · $314,000

Quarter-over-Quarter Changes full breakdown →

Issuer	Move	Share Δ	Shares now	Value Δ	Value now
ISHARES CORE S&P 500 ETF	NEW	+43.1K	43.1K	+$11M	$11M
SCHWAB INTERNATIONAL EQUITY ETF	NEW	+325.1K	325.1K	+$9M	$9M
SPDR BLOOMBERG BARCLAYS INVESTMENT GRADE FLOATING RATE ETF	NEW	+275.4K	275.4K	+$8M	$8M
VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF	NEW	+159.7K	159.7K	+$8M	$8M
VANGUARD SHORT-TERM CORPORATE BOND INDEX FUND	NEW	+73.3K	73.3K	+$6M	$6M
SCHWAB U.S. LARGE-CAP ETF	NEW	+83.6K	83.6K	+$5M	$5M
AAPL APPLE INC COM	NEW	+25.3K	25.3K	+$4M	$4M
WPC W P CAREY INC COM	NEW	+52.2K	52.2K	+$3M	$3M

Value changes conflate price moves with buying and selling — share changes are the real signal. Share counts are not split-adjusted.

Holdings — Q4 2018

50 positions

Export to Excel

#	Issuer	Class	% Portfolio	Value ↓	Shares
1	ISHARES CORE S&P 500 ETF	ETF	9.37%	$11M	43.1K
2	SCHWAB INTERNATIONAL EQUITY ETF	ETF	7.96%	$9M	325.1K
3	SPDR BLOOMBERG BARCLAYS INVESTMENT GRADE FLOATING RATE ETF	ETF	7.22%	$8M	275.4K
4	VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF	ETF	6.61%	$8M	159.7K
5	VANGUARD SHORT-TERM CORPORATE BOND INDEX FUND	ETF	4.94%	$6M	73.3K
6	SCHWAB U.S. LARGE-CAP ETF	ETF	4.31%	$5M	83.6K
7	AAPL APPLE INC COM history →	Stock	3.45%	$4M	25.3K
8	WPC W P CAREY INC COM history →	REIT	2.95%	$3M	52.2K
9	SCHWAB U.S. MID-CAP ETF	ETF	2.63%	$3M	63.4K
10	VANGUARD TOTAL INTERNATIONAL STOCK ETF	ETF	2.18%	$3M	53.4K
11	VANGUARD LARGE-CAP INDEX FUND	ETF	1.99%	$2M	20.1K
12	VANGUARD FTSE DEVELOPED MARKETS ETF	ETF	1.91%	$2M	59.6K
13	SCHWAB US AGGREGATE BOND ETF	ETF	1.77%	$2M	40.5K
14	JPMORGAN ULTRA-SHORT INCOME ETF	ETF	1.75%	$2M	40.5K
15	VANGUARD SMALL-CAP INDEX FUND	ETF	1.74%	$2M	15.3K
16	VANGUARD S&P 500 ETF	ETF	1.73%	$2M	8.7K
17	SCHWAB U.S. REIT ETF	ETF	1.71%	$2M	51.3K
18	SCHWAB U.S. SMALL-CAP ETF	ETF	1.64%	$2M	31.3K
19	SCHWAB SHORT-TERM U.S. TREASURY ETF	ETF	1.54%	$2M	35.8K
20	VANGUARD GLOBAL EX-U.S. REAL ESTATE INDEX	ETF	1.29%	$1M	28.6K
21	VANGUARD SHORT-TERM BOND INDEX FUND	ETF	1.24%	$1M	18.3K
22	VANGUARD MID-CAP INDEX FUND	ETF	1.21%	$1M	10.1K
23	JPM JPMORGAN CHASE & CO COM history →	Stock	1.10%	$1M	13.1K
24	VUG VANGUARD GROWTH INDEX FUND history →	ETF	1.04%	$1M	9.0K
25	ISHARES SHORT-TERM CORPORATE BOND ETF	ETF	1.00%	$1M	22.4K
26	BRK/B BERKSHIRE HATHAWAY INC DEL CL B NEW	Stock	0.96%	$1M	5.4K
27	SPDR DOW JONES GLOBAL REAL ESTATE ETF	ETF	0.94%	$1M	24.7K
28	VANGUARD SMALL-CAP VALUE INDEX FUND	ETF	0.92%	$1M	9.4K
29	SCHWAB U.S. BROAD MARKET ETF	ETF	0.92%	$1M	17.7K
30	JNJ JOHNSON & JOHNSON COM	Stock	0.81%	$942,000	7.3K
31	META FACEBOOK INC CL A	Stock	0.79%	$916,000	7.0K
32	VANGUARD REAL ESTATE ETF	ETF	0.71%	$818,000	11.0K
33	VANGUARD FTSE EMERGING MARKETS ETF	ETF	0.70%	$813,000	21.3K
34	ISHARES CORE U.S. AGGREGATE BOND ETF	ETF	0.70%	$810,000	7.6K
35	GQ9 SPDR GOLD SHARES	ETF	0.68%	$792,000	6.5K
36	SCHWAB U.S. LARGE-CAP VALUE ETF	ETF	0.68%	$783,000	15.9K
37	CONSUMER STAPLES SELECT SECTOR SPDR FUND	ETF	0.65%	$752,000	14.8K
38	ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF	ETF	0.59%	$686,000	6.1K
39	ISHARES CORE TOTAL USD BOND MARKET ETF	ETF	0.56%	$653,000	13.3K
40	VANGUARD FTSE ALL-WORLD EX US INDEX FUND	ETF	0.56%	$643,000	14.1K
41	SPDR PORTFOLIO SHORT TERM CORPORATE BOND ETF	ETF	0.51%	$595,000	19.7K
42	ISHARES TIPS BOND ETF	ETF	0.50%	$582,000	5.3K
43	ISHARES MSCI GLOBAL ENERGY PRODUCERS ETF	ETF	0.49%	$568,000	30.7K
44	ISHARES S&P SMALL-CAP FUND	ETF	0.48%	$557,000	8.0K
45	MSFT MICROSOFT CORP COM	Stock	0.48%	$554,000	5.5K
46	SPDR NUVEEN S&P HIGH YIELD MUNICIPAL BOND ETF	ETF	0.48%	$551,000	9.8K
47	SCHWAB US DIVIDEND EQUITY ETF	ETF	0.45%	$521,000	11.1K
48	SCHWAB U.S. TIPS ETF	ETF	0.45%	$519,000	9.8K
49	INTC INTEL CORP COM	Stock	0.44%	$508,000	10.8K
50	BA BOEING CO COM	Stock	0.44%	$507,000	1.6K

Filing History

Quarter	Reported Value	Positions	Filed	Type	Links
Q2 2026	$432M	179	Jul 13, 2026	13F-HR	changes · EDGAR ↗
Q1 2026	$386M	177	Apr 16, 2026	13F-HR	changes · EDGAR ↗
Q4 2025	$388M	174	Feb 6, 2026	13F-HR	changes · EDGAR ↗
Q3 2025	$373M	167	Oct 27, 2025	13F-HR	changes · EDGAR ↗
Q2 2025	$339M	162	Jul 16, 2025	13F-HR	changes · EDGAR ↗
Q1 2025	$306M	155	May 5, 2025	13F-HR	changes · EDGAR ↗
Q4 2024	$310M	152	Jan 29, 2025	13F-HR	changes · EDGAR ↗
Q3 2024	$302M	148	Oct 16, 2024	13F-HR	changes · EDGAR ↗
Q2 2024	$280M	140	Jul 22, 2024	13F-HR	changes · EDGAR ↗
Q1 2024	$272M	139	Apr 17, 2024	13F-HR	changes · EDGAR ↗
Q4 2023	$263M	142	Feb 1, 2024	13F-HR	changes · EDGAR ↗
Q3 2023	$239M	136	Oct 25, 2023	13F-HR	changes · EDGAR ↗
Q2 2023	$249M	139	Jul 19, 2023	13F-HR	changes · EDGAR ↗
Q1 2023	$235M	138	Apr 18, 2023	13F-HR	changes · EDGAR ↗
Q4 2022	$220M	134	Feb 6, 2023	13F-HR	changes · EDGAR ↗
Q3 2022	$209M	130	Nov 7, 2022	13F-HR	changes · EDGAR ↗
Q2 2022	$208M	112	Jul 18, 2022	13F-HR	changes · EDGAR ↗
Q1 2022	$236M	125	Apr 29, 2022	13F-HR	changes · EDGAR ↗
Q4 2021	$240M	123	Jan 31, 2022	13F-HR	changes · EDGAR ↗
Q3 2021	$218M	120	Nov 2, 2021	13F-HR	changes · EDGAR ↗
Q2 2021	$213M	118	Aug 2, 2021	13F-HR	changes · EDGAR ↗
Q1 2021	$189M	106	Apr 21, 2021	13F-HR	changes · EDGAR ↗
Q4 2020	$175M	104	Jan 20, 2021	13F-HR	changes · EDGAR ↗
Q3 2020	$160M	99	Oct 21, 2020	13F-HR	changes · EDGAR ↗
Q2 2020	$148M	98	Jul 28, 2020	13F-HR	changes · EDGAR ↗
Q1 2020	$124M	90	Apr 22, 2020	13F-HR	changes · EDGAR ↗
Q4 2019	$144M	92	Jan 16, 2020	13F-HR	changes · EDGAR ↗
Q3 2019	$134M	87	Oct 22, 2019	13F-HR	changes · EDGAR ↗
Q2 2019	$130M	88	Jul 16, 2019	13F-HR	changes · EDGAR ↗
Q1 2019	$125M	87	Apr 16, 2019	13F-HR	changes · EDGAR ↗
Q4 2018	$116M	87	Jan 30, 2019	13F-HR	changes · EDGAR ↗

13F filings are due up to 45 days after quarter end, so holdings shown here lag the fund’s current book. Source: original SEC filing on EDGAR ↗.