SEC 13F Intelligence

Managers / Q3 2025 · view latest →

Gradient Capital Advisors, LLC

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

Reported Value
$373M
Q3 2025
Positions
167
Filings on Record
31
2019–present window
Filed
Oct 27, 2025
original filing

Summary

Gradient Capital Advisors, LLC reported $373M in U.S.-listed holdings across 167 positions for Q3 2025.

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

Compared with Q2 2025, the fund opened 10 new positions and exited 5.

Portfolio Metrics

Turnover
+0.8%
vs prior filed quarter
Top-10 Concentration
+36.5%
share of reported value
Largest Position
+9.4%
Ishares Core S P 500 Etf
New / Exited
10 / 5
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. 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
Q4 ’18: $116MQ4 ’18Q1 ’19: $125MQ2 ’19: $130MQ3 ’19: $134MQ4 ’19: $144MQ4 ’19Q1 ’20: $124MQ2 ’20: $148MQ3 ’20: $160MQ4 ’20: $175MQ4 ’20Q1 ’21: $189MQ2 ’21: $213MQ3 ’21: $218MQ4 ’21: $240MQ4 ’21Q1 ’22: $236MQ2 ’22: $208MQ3 ’22: $209MQ4 ’22: $220MQ4 ’22Q1 ’23: $235MQ2 ’23: $249MQ3 ’23: $239MQ4 ’23: $263MQ4 ’23Q1 ’24: $272MQ2 ’24: $280MQ3 ’24: $302MQ4 ’24: $310MQ4 ’24Q1 ’25: $306MQ2 ’25: $339MQ3 ’25: $373MQ4 ’25: $388MQ4 ’25Q1 ’26: $386MQ2 ’26: $432Mfilingsflow.com

Portfolio Composition

By security type
ETP: 73.0%Common Stock: 25.9%REIT: 0.5%ADR: 0.4%Closed-End Fund: 0.1%Other: 0.1%
  • ETP · 73.0% · $273M
  • Common Stock · 25.9% · $96M
  • REIT · 0.5% · $2M
  • ADR · 0.4% · $2M
  • Closed-End Fund · 0.1% · $331,840
  • Other · 0.1% · $301,838

Quarter-over-Quarter Changes full breakdown →

vs Q2 2025 (amended baseline)

IssuerMoveShare ΔShares nowValue ΔValue now
BNYBANK NEW YORK MELLON CORP COMNEW+6.0K6.0K+$649,511$649,511
TECHNOLOGY SELECT SECTOR SPDR FUNDNEW+1.1K1.1K+$321,320$321,320
PLTRPALANTIR TECHNOLOGIES INC CL ANEW+1.6K1.6K+$294,791$294,791
ISHARES MICRO-CAP ETFNEW+1.5K1.5K+$225,126$225,126
TJXTJX COS INC NEW COMNEW+1.5K1.5K+$214,497$214,497
SPDR S&P REGIONAL BANKING ETFNEW+3.3K3.3K+$210,275$210,275
RTXRTX CORPORATION COMNEW+1.3K1.3K+$209,664$209,664
SOSOUTHERN CO COMNEW+2.2K2.2K+$206,557$206,557

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

Holdings — Q3 2025

50 positions
Export to Excel
#IssuerClass% PortfolioValue ↓Shares
1ISHARES CORE S&P 500 ETFETF9.42%$35M52.5K
2AAPLAPPLE INC COMhistory →Stock5.02%$19M73.5K
3SPDR PORTFOLIO DEVELOPED WORLD EX-US ETFETF3.84%$14M334.8K
4VANGUARD SHORT-TERM CORPORATE BOND ETFETF3.43%$13M160.1K
5DFSDDIMENSIONAL SHORT-DURATION FIXED INCOME ETFhistory →ETF2.87%$11M222.5K
6SCHWAB INTERNATIONAL EQUITY ETFETF2.83%$11M454.2K
7SCHWAB U.S. MID-CAP ETFETF2.55%$10M321.5K
8VANGUARD LARGE-CAP ETFETF2.23%$8M27.0K
9DIMENSIONAL U.S. TARGETED VALUE ETFETF2.19%$8M140.4K
10VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETFETF2.10%$8M154.5K
11MSFTMICROSOFT CORP COMhistory →Stock2.04%$8M14.7K
12JPMJPMORGAN CHASE & CO. COMhistory →Stock2.03%$8M24.0K
13SCHWAB U.S. LARGE-CAP ETFETF1.98%$7M279.8K
14DIMENSIONAL EMERGING MARKETS CORE EQUITY 2 ETFETF1.96%$7M227.5K
15TSLATESLA INC COMhistory →Stock1.92%$7M16.1K
16VANGUARD FTSE DEVELOPED MARKETS ETFETF1.73%$6M107.6K
17JPMORGAN ULTRA-SHORT INCOME ETFETF1.72%$6M126.3K
18NVDANVIDIA CORPORATION COMhistory →Stock1.69%$6M33.8K
19DFUVDIMENSIONAL US MARKETWIDE VALUE ETFhistory →ETF1.59%$6M132.7K
20DFSVDIMENSIONAL US SMALL CAP VALUE ETFhistory →ETF1.54%$6M180.4K
21GOOGLALPHABET INC CAP STK CL Ahistory →Stock1.49%$6M22.8K
22METAMETA PLATFORMS INC CL Ahistory →Stock1.33%$5M6.7K
23DFARDIMENSIONAL US REAL ESTATE ETFhistory →ETF1.30%$5M203.0K
24BRK/BBERKSHIRE HATHAWAY INC DEL CL B NEWhistory →Stock1.27%$5M9.4K
25DIMENSIONAL GLOBAL CORE PLUS FIXED INCOME ETFETF1.26%$5M84.6K
26VANGUARD S&P 500 ETFETF1.22%$5M7.5K
27DFAXDIMENSIONAL WORLD EX U.S. CORE EQUITY 2 ETFhistory →ETF1.19%$4M141.5K
28VANGUARD MID-CAP ETFETF1.18%$4M15.0K
29ISHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BOND ETFETF1.18%$4M82.9K
30VANGUARD TOTAL INTERNATIONAL STOCK ETFETF1.17%$4M59.6K
31VUGVANGUARD GROWTH ETFhistory →ETF1.16%$4M9.0K
32AVGOBROADCOM INC COMhistory →Stock1.09%$4M12.3K
33SCHWAB US DIVIDEND EQUITY ETFETF1.06%$4M144.6K
34VANGUARD GLOBAL EX-U.S. REAL ESTATE ETFETF1.01%$4M79.2K
35DIMENSIONAL US LARGE CAP VALUE ETFETF0.98%$4M111.5K
36VANGUARD SMALL-CAP ETFETF0.91%$3M13.3K
37GQ9SPDR GOLD SHARESETF0.90%$3M9.5K
38DISVDIMENSIONAL INTERNATIONAL SMALL CAP VALUE ETFETF0.89%$3M93.5K
39SPDR BLOOMBERG 3-12 MONTH T-BILL ETFETF0.83%$3M31.1K
40LRCXLAM RESEARCH CORP COM NEWStock0.79%$3M21.9K
41VANGUARD SMALL CAP VALUE ETFETF0.65%$2M11.6K
42SPDR GOLD MINISHARES TRUST OF BENEFICIAL INTERESTETF0.62%$2M30.2K
43AMZNAMAZON COM INC COMStock0.60%$2M10.2K
44VTVVANGUARD VALUE ETFETF0.56%$2M11.1K
45DIMENSIONAL EMERGING CORE EQUITY MARKET ETFETF0.55%$2M65.6K
46AVANTIS INTERNATIONAL SMALL CAP VALUE ETFETF0.53%$2M22.4K
47SCHWAB U.S. BROAD MARKET ETFETF0.53%$2M76.3K
48WPCWP CAREY INC COMREIT0.51%$2M28.2K
49VANGUARD REAL ESTATE ETFETF0.43%$2M17.7K
50VANGUARD FTSE ALL-WORLD EX-US INDEX FUNDETF0.43%$2M22.4K

Filing History

QuarterReported ValuePositionsFiledTypeLinks
Q2 2026$432M179Jul 13, 202613F-HRchanges · EDGAR ↗
Q1 2026$386M177Apr 16, 202613F-HRchanges · EDGAR ↗
Q4 2025$388M174Feb 6, 202613F-HRchanges · EDGAR ↗
Q3 2025$373M167Oct 27, 202513F-HRchanges · EDGAR ↗
Q2 2025$339M162Jul 16, 202513F-HRchanges · EDGAR ↗
Q1 2025$306M155May 5, 202513F-HRchanges · EDGAR ↗
Q4 2024$310M152Jan 29, 202513F-HRchanges · EDGAR ↗
Q3 2024$302M148Oct 16, 202413F-HRchanges · EDGAR ↗
Q2 2024$280M140Jul 22, 202413F-HRchanges · EDGAR ↗
Q1 2024$272M139Apr 17, 202413F-HRchanges · EDGAR ↗
Q4 2023$263M142Feb 1, 202413F-HRchanges · EDGAR ↗
Q3 2023$239M136Oct 25, 202313F-HRchanges · EDGAR ↗
Q2 2023$249M139Jul 19, 202313F-HRchanges · EDGAR ↗
Q1 2023$235M138Apr 18, 202313F-HRchanges · EDGAR ↗
Q4 2022$220M134Feb 6, 202313F-HRchanges · EDGAR ↗
Q3 2022$209M130Nov 7, 202213F-HRchanges · EDGAR ↗
Q2 2022$208M112Jul 18, 202213F-HRchanges · EDGAR ↗
Q1 2022$236M125Apr 29, 202213F-HRchanges · EDGAR ↗
Q4 2021$240M123Jan 31, 202213F-HRchanges · EDGAR ↗
Q3 2021$218M120Nov 2, 202113F-HRchanges · EDGAR ↗
Q2 2021$213M118Aug 2, 202113F-HRchanges · EDGAR ↗
Q1 2021$189M106Apr 21, 202113F-HRchanges · EDGAR ↗
Q4 2020$175M104Jan 20, 202113F-HRchanges · EDGAR ↗
Q3 2020$160M99Oct 21, 202013F-HRchanges · EDGAR ↗
Q2 2020$148M98Jul 28, 202013F-HRchanges · EDGAR ↗
Q1 2020$124M90Apr 22, 202013F-HRchanges · EDGAR ↗
Q4 2019$144M92Jan 16, 202013F-HRchanges · EDGAR ↗
Q3 2019$134M87Oct 22, 201913F-HRchanges · EDGAR ↗
Q2 2019$130M88Jul 16, 201913F-HRchanges · EDGAR ↗
Q1 2019$125M87Apr 16, 201913F-HRchanges · EDGAR ↗
Q4 2018$116M87Jan 30, 201913F-HRchanges · 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 ↗.