Managers / Q4 2024 · view latest →

Gradient Capital Advisors, LLC

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

Reported Value

$310M

Q4 2024

Positions

152

Filings on Record

2019–present window

Filed

Jan 29, 2025

original filing

Summary

Gradient Capital Advisors, LLC reported $310M in U.S.-listed holdings across 152 positions for Q4 2024.

Its largest position, IVV, represents 9.6% of the portfolio.

Compared with Q3 2024, the fund opened 6 new positions and exited 2.

Portfolio Metrics

Turnover

+2.7%

vs prior filed quarter

Top-10 Concentration

+40.0%

share of reported value

Largest Position

+9.6%

Ishares Core S P 500 Etf

New / Exited

6 / 2

positions this quarter

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, with multiple share classes and repeated sub-manager rows for the same issuer combined into one position — the same rule the holdings table uses by default. 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 · 71.7% · $223M
Common Stock · 27.4% · $85M
REIT · 0.5% · $2M
ADR · 0.3% · $813,264
Closed-End Fund · 0.1% · $317,412

Quarter-over-Quarter Changes full breakdown →

vs Q3 2024 (amended baseline)

Issuer	Move	Share Δ	Shares now	Value Δ	Value now
AVMC AVANTIS U.S. MID CAP EQUITY ETF	NEW	+6.2K	6.2K	+$402,353	$402,353
DFGP DIMENSIONAL GLOBAL CORE PLUS FIXED INCOME ETF	NEW	+5.1K	5.1K	+$271,652	$271,652
JSCP JPMORGAN SHORT DURATION CORE PLUS ETF	NEW	+4.7K	4.7K	+$219,021	$219,021
PDBC INVESCO OPTIMUM YIELD DIVERSIFIED COMMODITY STRATEGY NO K-1 ETF	NEW	+15.8K	15.8K	+$205,837	$205,837
AXP AMERICAN EXPRESS CO COM	NEW	+686	686	+$203,707	$203,707
BMY BRISTOL-MYERS SQUIBB CO COM	NEW	+3.5K	3.5K	+$200,731	$200,731
LRCX LAM RESEARCH CORP COM NEW	ADDED	+20.6K	22.9K	−$216,661	$2M
BILS SPDR BLOOMBERG 3-12 MONTH T-BILL ETF	ADDED	+14.8K	17.9K	+$1M	$2M

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

Holdings — Q4 2024

151 positions

Export to Excel

#	Issuer	Class	% Portfolio	Value ↓	Shares
1	IVV ISHARES CORE S&P 500 ETF history →	ETF	9.56%	$30M	50.4K
2	AAPL APPLE INC COM history →	Stock	6.42%	$20M	79.6K
3	VCSH VANGUARD SHORT-TERM CORPORATE BOND ETF history →	ETF	3.92%	$12M	155.9K
4	SPDW SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF history →	ETF	3.68%	$11M	334.5K
5	TSLA TESLA INC COM history →	Stock	3.13%	$10M	24.0K
6	SCHF SCHWAB INTERNATIONAL EQUITY ETF history →	ETF	2.91%	$9M	487.7K
7	DFSD DIMENSIONAL SHORT-DURATION FIXED INCOME ETF history →	ETF	2.83%	$9M	187.5K
8	SCHM SCHWAB U.S. MID-CAP ETF history →	ETF	2.72%	$8M	304.5K
9	DFAT DIMENSIONAL U.S. TARGETED VALUE ETF history →	ETF	2.43%	$8M	135.6K
10	VTIP VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF history →	ETF	2.38%	$7M	152.6K
11	JPST JPMORGAN ULTRA-SHORT INCOME ETF history →	ETF	2.17%	$7M	133.6K
12	SCHX SCHWAB U.S. LARGE-CAP ETF history →	ETF	2.12%	$7M	283.5K
13	MSFT MICROSOFT CORP COM history →	Stock	1.99%	$6M	14.6K
14	JPM JPMORGAN CHASE & CO. COM history →	Stock	1.88%	$6M	24.3K
15	DFEM DIMENSIONAL EMERGING MARKETS CORE EQUITY 2 ETF history →	ETF	1.81%	$6M	214.4K
16	DFUV DIMENSIONAL US MARKETWIDE VALUE ETF history →	ETF	1.70%	$5M	128.7K
17	VV VANGUARD LARGE-CAP ETF history →	ETF	1.69%	$5M	19.5K
18	VEA VANGUARD FTSE DEVELOPED MARKETS ETF history →	ETF	1.59%	$5M	103.1K
19	GOOGL ALPHABET INC CAP STK CL A	Stock	1.53%	$5M	25.1K
20	DFAR DIMENSIONAL US REAL ESTATE ETF history →	ETF	1.38%	$4M	184.2K
21	VOO VANGUARD S&P 500 ETF history →	ETF	1.35%	$4M	7.8K
22	VUG VANGUARD GROWTH ETF history →	ETF	1.34%	$4M	10.2K
23	IGSB ISHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF history →	ETF	1.29%	$4M	77.7K
24	VO VANGUARD MID-CAP ETF history →	ETF	1.29%	$4M	15.2K
25	VXUS VANGUARD TOTAL INTERNATIONAL STOCK ETF history →	ETF	1.24%	$4M	65.5K
26	NVDA NVIDIA CORPORATION COM history →	Stock	1.24%	$4M	28.5K
27	BRK/B BERKSHIRE HATHAWAY INC DEL CL B NEW history →	Stock	1.21%	$4M	8.3K
28	META META PLATFORMS INC CL A history →	Stock	1.18%	$4M	6.3K
29	SCHD SCHWAB US DIVIDEND EQUITY ETF history →	ETF	1.15%	$4M	130.1K
30	DFSV DIMENSIONAL US SMALL CAP VALUE ETF history →	ETF	1.14%	$4M	114.7K
31	VB VANGUARD SMALL-CAP ETF history →	ETF	1.02%	$3M	13.2K
32	DFAX DIMENSIONAL WORLD EX U.S. CORE EQUITY 2 ETF	ETF	0.98%	$3M	122.8K
33	VNQI VANGUARD GLOBAL EX-U.S. REAL ESTATE ETF	ETF	0.88%	$3M	69.3K
34	VBR VANGUARD SMALL CAP VALUE ETF	ETF	0.78%	$2M	12.2K
35	DISV DIMENSIONAL INTERNATIONAL SMALL CAP VALUE ETF	ETF	0.77%	$2M	90.0K
36	DFLV DIMENSIONAL US LARGE CAP VALUE ETF	ETF	0.77%	$2M	79.2K
37	AVGO BROADCOM INC COM	Stock	0.70%	$2M	9.4K
38	AMZN AMAZON COM INC COM	Stock	0.66%	$2M	9.4K
39	VTV VANGUARD VALUE ETF	ETF	0.58%	$2M	10.7K
40	BILS SPDR BLOOMBERG 3-12 MONTH T-BILL ETF	ETF	0.57%	$2M	17.9K
41	SCHB SCHWAB U.S. BROAD MARKET ETF	ETF	0.57%	$2M	77.6K
42	DFAE DIMENSIONAL EMERGING CORE EQUITY MARKET ETF	ETF	0.56%	$2M	68.5K
43	LRCX LAM RESEARCH CORP COM NEW	Stock	0.53%	$2M	22.9K
44	GLDM SPDR GOLD MINISHARES TRUST	ETF	0.53%	$2M	31.7K
45	IWM ISHARES RUSSELL 2000 ETF	ETF	0.53%	$2M	7.4K
46	WPC WP CAREY INC COM	REIT	0.52%	$2M	29.8K
47	CVX CHEVRON CORP NEW COM	Stock	0.50%	$2M	10.7K
48	VNQ VANGUARD REAL ESTATE ETF	ETF	0.49%	$2M	17.0K
49	AVDV AVANTIS INTERNATIONAL SMALL CAP VALUE ETF	ETF	0.47%	$1M	22.3K
50	GLD SPDR GOLD SHARES	ETF	0.45%	$1M	5.7K
51	QCOM QUALCOMM INC COM	Stock	0.43%	$1M	8.7K
52	VTI VANGUARD TOTAL STOCK MARKET ETF	ETF	0.40%	$1M	4.2K
53	AMD ADVANCED MICRO DEVICES INC COM	Stock	0.39%	$1M	10.1K
54	SCHV SCHWAB U.S. LARGE-CAP VALUE ETF	ETF	0.37%	$1M	44.5K
55	VEU VANGUARD FTSE ALL-WORLD EX-US INDEX FUND	ETF	0.36%	$1M	19.6K
56	VIG VANGUARD DIVIDEND APPRECIATION ETF	ETF	0.35%	$1M	5.6K
57	AVANTIS U.S. SMALL CAP VALUE ETF	ETF	0.35%	$1M	11.2K
58	SCHA SCHWAB U.S. SMALL-CAP ETF	ETF	0.33%	$1M	40.1K
59	CSCO CISCO SYS INC COM	Stock	0.33%	$1M	17.2K
60	BAC BANK AMERICA CORP COM	Stock	0.33%	$1M	23.2K
61	LMT LOCKHEED MARTIN CORP COM	Stock	0.32%	$990,180	2.0K
62	HD HOME DEPOT INC COM	Stock	0.30%	$939,966	2.4K
63	SCHH SCHWAB U.S. REIT ETF	ETF	0.29%	$907,900	43.1K
64	XLP CONSUMER STAPLES SELECT SECTOR SPDR FUND	ETF	0.28%	$880,023	11.2K
65	AMGN AMGEN INC COM	Stock	0.27%	$848,960	3.3K
66	JNJ JOHNSON & JOHNSON COM	Stock	0.27%	$840,718	5.8K
67	BSV VANGUARD SHORT-TERM BOND ETF	ETF	0.27%	$839,960	10.9K
68	V VISA INC COM CL A	Stock	0.26%	$814,097	2.6K
69	TSM TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS	ADR	0.26%	$813,264	4.1K
70	VHT VANGUARD HEALTH CARE ETF	ETF	0.26%	$802,986	3.2K
71	IBDX ISHARES IBONDS DEC 2032 TERM CORPORATE ETF	ETF	0.26%	$799,740	32.5K
72	DFAC DIMENSIONAL U.S. CORE EQUITY 2 ETF	ETF	0.26%	$796,127	23.0K
73	SCHZ SCHWAB US AGGREGATE BOND ETF	ETF	0.25%	$778,401	34.3K
74	VWO VANGUARD FTSE EMERGING MARKETS ETF	ETF	0.25%	$771,272	17.5K
75	IBDW ISHARES IBONDS DEC 2031 TERM CORPORATE ETF	ETF	0.25%	$763,451	37.5K
76	BX BLACKSTONE INC COM	Stock	0.24%	$755,717	4.4K
77	IJR ISHARES CORE S&P SMALL CAP ETF	ETF	0.24%	$737,708	6.4K
78	VYM VANGUARD HIGH DIVIDEND YIELD INDEX ETF	ETF	0.23%	$703,016	5.5K
79	SPY SPDR S&P 500 ETF TRUST	ETF	0.21%	$664,071	1.1K
80	NFLX NETFLIX INC COM	Stock	0.21%	$640,859	719
81	SPSB SPDR PORTFOLIO SHORT TERM CORPORATE BOND ETF	ETF	0.20%	$610,292	20.4K
82	DFIC DIMENSIONAL INTERNATIONAL CORE EQUITY 2 ETF	ETF	0.19%	$593,453	23.0K
83	IBDV ISHARES IBONDS DEC 2030 TERM CORPORATE ETF	ETF	0.19%	$590,540	27.6K
84	SCHP SCHWAB US TIPS ETF	ETF	0.19%	$579,729	22.4K
85	ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF	ETF	0.18%	$546,476	5.1K
86	IVW ISHARES S&P 500 GROWTH ETF	ETF	0.18%	$543,389	5.4K
87	VUSB VANGUARD ULTRA-SHORT BOND ETF	ETF	0.17%	$536,938	10.8K
88	QQQ INVESCO QQQ TRUST SERIES I	ETF	0.17%	$514,022	1.0K
89	COST COSTCO WHSL CORP NEW COM	Stock	0.16%	$510,065	557
90	AGG ISHARES CORE U.S. AGGREGATE BOND ETF	ETF	0.16%	$507,659	5.2K
91	LULU LULULEMON ATHLETICA INC COM	Stock	0.16%	$498,663	1.3K
92	IVE ISHARES S&P 500 VALUE ETF	ETF	0.16%	$494,311	2.6K
93	CAT CATERPILLAR INC COM	Stock	0.15%	$473,541	1.3K
94	DFAI DIMENSIONAL INTERNATIONAL CORE EQUITY MARKET ETF	ETF	0.15%	$463,784	15.9K
95	IEFA ISHARES CORE MSCI EAFE ETF	ETF	0.15%	$453,861	6.5K
96	BLK BLACKROCK INC COM	Stock	0.14%	$436,224	426
97	EXMOC EXXON MOBIL CORP COM	Stock	0.14%	$430,605	4.0K
98	ACN ACCENTURE PLC IRELAND SHS CLASS A	Stock	0.14%	$428,832	1.2K
99	CRM SALESFORCE INC COM	Stock	0.13%	$417,667	1.2K
100	IBM INTERNATIONAL BUSINESS MACHS COM	Stock	0.13%	$417,107	1.9K

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 ↗.