Managers / Q1 2026 · view latest →

Gradient Capital Advisors, LLC

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

Reported Value

$386M

Q1 2026

Positions

177

Filings on Record

2019–present window

Filed

Apr 16, 2026

original filing

Summary

Gradient Capital Advisors, LLC reported $386M in U.S.-listed holdings across 177 positions for Q1 2026.

Its largest position, IVV, represents 9.0% of the portfolio.

Compared with Q4 2025, the fund opened 6 new positions and exited 3.

Portfolio Metrics

Turnover

+4.2%

vs prior filed quarter

Top-10 Concentration

+36.6%

share of reported value

Largest Position

+9.0%

Ishares Core S P 500 Etf

New / Exited

6 / 3

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 · 74.6% · $288M
Common Stock · 24.3% · $94M
ADR · 0.5% · $2M
REIT · 0.5% · $2M
Closed-End Fund · 0.1% · $300,151

Quarter-over-Quarter Changes full breakdown →

vs Q4 2025 (amended baseline)

Issuer	Move	Share Δ	Shares now	Value Δ	Value now
EMXC ISHARES MSCI EMERGING MARKETS EX CHINA ETF	NEW	+37.9K	37.9K	+$3M	$3M
EWJV ISHARES MSCI JAPAN VALUE ETF	NEW	+10.3K	10.3K	+$441,250	$441,250
FIRST EAGLE OVERSEAS EQUITY ETF	NEW	+7.4K	7.4K	+$371,386	$371,386
MU MICRON TECHNOLOGY INC COM	NEW	+1.1K	1.1K	+$361,151	$361,151
SO SOUTHERN CO COM	NEW	+2.2K	2.2K	+$208,859	$208,859
VCIT VANGUARD INTERMEDIATE-TERM CORPORATE BOND ETF	NEW	+2.5K	2.5K	+$204,940	$204,940
LLY ELI LILLY & CO COM	SOLD OUT	−238	0	−$255,774	$0
ISRG INTUITIVE SURGICAL INC COM NEW	SOLD OUT	−425	0	−$240,703	$0

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

Holdings — Q1 2026

176 positions

Export to Excel

#	Issuer	Class	% Portfolio	Value ↓	Shares
1	IVV ISHARES CORE S&P 500 ETF history →	ETF	8.96%	$35M	52.9K
2	AAPL APPLE INC COM history →	Stock	4.71%	$18M	71.6K
3	SPDW STATE STREET SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF history →	ETF	3.73%	$14M	315.1K
4	VCSH VANGUARD SHORT-TERM CORPORATE BOND ETF history →	ETF	3.62%	$14M	176.2K
5	DFGP DIMENSIONAL GLOBAL CORE PLUS FIXED INCOME ETF history →	ETF	3.04%	$12M	217.0K
6	DFSD DIMENSIONAL SHORT-DURATION FIXED INCOME ETF history →	ETF	2.90%	$11M	233.7K
7	SCHF SCHWAB INTERNATIONAL EQUITY ETF history →	ETF	2.79%	$11M	435.1K
8	SCHM SCHWAB U.S. MID-CAP ETF history →	ETF	2.49%	$10M	309.7K
9	DFAT DIMENSIONAL U.S. TARGETED VALUE ETF history →	ETF	2.24%	$9M	138.5K
10	VTIP VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF history →	ETF	2.10%	$8M	161.9K
11	GOOGL ALPHABET INC CAP STK CL A	Stock	2.08%	$8M	27.9K
12	DFEM DIMENSIONAL EMERGING MARKETS CORE EQUITY 2 ETF history →	ETF	2.06%	$8M	229.5K
13	VV VANGUARD LARGE-CAP ETF history →	ETF	1.95%	$8M	25.2K
14	VEA VANGUARD FTSE DEVELOPED MARKETS ETF history →	ETF	1.91%	$7M	115.0K
15	DFSV DIMENSIONAL US SMALL CAP VALUE ETF history →	ETF	1.85%	$7M	203.6K
16	SCHX SCHWAB U.S. LARGE-CAP ETF history →	ETF	1.74%	$7M	261.2K
17	JPM JPMORGAN CHASE & CO COM history →	Stock	1.73%	$7M	22.7K
18	DFUV DIMENSIONAL US MARKETWIDE VALUE ETF history →	ETF	1.58%	$6M	125.9K
19	NVDA NVIDIA CORPORATION COM history →	Stock	1.47%	$6M	32.5K
20	JPST JPMORGAN ULTRA-SHORT INCOME ETF history →	ETF	1.37%	$5M	104.3K
21	MSFT MICROSOFT CORP COM history →	Stock	1.34%	$5M	14.0K
22	DFAR DIMENSIONAL US REAL ESTATE ETF history →	ETF	1.31%	$5M	214.2K
23	TSLA TESLA INC COM history →	Stock	1.31%	$5M	13.6K
24	DFAX DIMENSIONAL WORLD EX U.S. CORE EQUITY 2 ETF history →	ETF	1.27%	$5M	143.9K
25	BRK/B BERKSHIRE HATHAWAY INC DEL CL B NEW history →	Stock	1.21%	$5M	9.7K
26	DFLV DIMENSIONAL US LARGE CAP VALUE ETF history →	ETF	1.19%	$5M	128.7K
27	SCHD SCHWAB US DIVIDEND EQUITY ETF history →	ETF	1.19%	$5M	149.0K
28	IGSB ISHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF history →	ETF	1.17%	$4M	85.6K
29	LRCX LAM RESEARCH CORP COM NEW history →	Stock	1.14%	$4M	20.6K
30	VXUS VANGUARD TOTAL INTERNATIONAL STOCK ETF history →	ETF	1.12%	$4M	55.9K
31	VOO VANGUARD S&P 500 ETF history →	ETF	1.09%	$4M	7.0K
32	VO VANGUARD MID-CAP ETF history →	ETF	1.07%	$4M	14.3K
33	GLD SPDR GOLD SHARES history →	ETF	1.05%	$4M	9.4K
34	META META PLATFORMS INC CL A	Stock	0.95%	$4M	6.4K
35	VNQI VANGUARD GLOBAL EX-U.S. REAL ESTATE ETF	ETF	0.95%	$4M	82.0K
36	DISV DIMENSIONAL INTERNATIONAL SMALL CAP VALUE ETF	ETF	0.93%	$4M	91.3K
37	AVGO BROADCOM INC COM	Stock	0.89%	$3M	11.1K
38	VB VANGUARD SMALL-CAP ETF	ETF	0.88%	$3M	12.9K
39	VUG VANGUARD GROWTH ETF	ETF	0.82%	$3M	7.2K
40	EMXC ISHARES MSCI EMERGING MARKETS EX CHINA ETF	ETF	0.77%	$3M	37.9K
41	GLDM SPDR GOLD MINISHARES TRUST OF BENEFICIAL INTEREST	ETF	0.62%	$2M	25.9K
42	VTV VANGUARD VALUE ETF	ETF	0.57%	$2M	11.3K
43	BILS STATE STREET SPDR BLOOMBERG 3-12 MONTH T-BILL ETF	ETF	0.57%	$2M	22.1K
44	VBR VANGUARD SMALL CAP VALUE ETF	ETF	0.56%	$2M	9.9K
45	AVDV AVANTIS INTERNATIONAL SMALL CAP VALUE ETF	ETF	0.56%	$2M	21.5K
46	AMZN AMAZON COM INC COM	Stock	0.54%	$2M	10.0K
47	DFAE DIMENSIONAL EMERGING CORE EQUITY MARKET ETF	ETF	0.52%	$2M	58.7K
48	TSM TAIWAN SEMICONDUCTOR MANUFACT SPONSORED ADS	ADR	0.51%	$2M	5.9K
49	CVX CHEVRON CORPORATION COM	Stock	0.50%	$2M	9.2K
50	WPC WP CAREY INC COM	REIT	0.49%	$2M	27.9K
51	CSCO CISCO SYS INC COM	Stock	0.49%	$2M	24.3K
52	SCHB SCHWAB U.S. BROAD MARKET ETF	ETF	0.45%	$2M	69.5K
53	VNQ VANGUARD REAL ESTATE ETF	ETF	0.44%	$2M	19.1K
54	AVMC AVANTIS U.S. MID CAP EQUITY ETF	ETF	0.43%	$2M	22.8K
55	SLV ISHARES SILVER TRUST	ETF	0.42%	$2M	23.9K
56	BNY BANK NEW YORK MELLON CORP COM	Stock	0.41%	$2M	13.4K
57	VEU VANGUARD FTSE ALL-WORLD EX-US INDEX FUND	ETF	0.41%	$2M	20.8K
58	AVANTIS U.S. SMALL CAP VALUE ETF	ETF	0.37%	$1M	13.0K
59	IWM ISHARES RUSSELL 2000 ETF	ETF	0.36%	$1M	5.6K
60	JNJ JOHNSON & JOHNSON COM	Stock	0.34%	$1M	5.4K
61	VTI VANGUARD TOTAL STOCK MARKET ETF	ETF	0.34%	$1M	4.1K
62	SCHA SCHWAB U.S. SMALL-CAP ETF	ETF	0.34%	$1M	44.5K
63	SCHV SCHWAB U.S. LARGE-CAP VALUE ETF	ETF	0.31%	$1M	39.1K
64	AMGN AMGEN INC COM	Stock	0.28%	$1M	3.1K
65	VIG VANGUARD DIVIDEND APPRECIATION ETF	ETF	0.27%	$1M	4.9K
66	BAC BANK OF AMER CORP COM	Stock	0.27%	$1M	21.7K
67	LMT LOCKHEED MARTIN CORP COM	Stock	0.27%	$1M	1.7K
68	AMD ADVANCED MICRO DEVICES INC COM	Stock	0.26%	$998,841	4.9K
69	SGOV ISHARES 0-3 MONTH TREASURY BOND ETF	ETF	0.26%	$992,539	9.9K
70	DFAC DIMENSIONAL U.S. CORE EQUITY 2 ETF	ETF	0.26%	$991,860	25.5K
71	FEZ STATE STREET SPDR EURO STOXX 50 ETF	ETF	0.25%	$961,309	15.5K
72	COST COSTCO WHOLESALE CORPORATION COM	Stock	0.24%	$937,394	941
73	XLP STATE STREET CONSUMER STAPLES SELECT SECTOR SPDR ETF	ETF	0.23%	$906,281	11.1K
74	IBDX ISHARES IBONDS DEC 2032 TERM CORPORATE ETF	ETF	0.22%	$867,501	34.3K
75	SCHH SCHWAB U.S. REIT ETF	ETF	0.22%	$857,043	39.9K
76	BSV VANGUARD SHORT-TERM BOND ETF	ETF	0.22%	$854,228	10.9K
77	IBDW ISHARES IBONDS DEC 2031 TERM CORPORATE ETF	ETF	0.22%	$853,965	40.8K
78	DFIC DIMENSIONAL INTERNATIONAL CORE EQUITY 2 ETF	ETF	0.21%	$815,840	23.0K
79	QQQ INVESCO QQQ TRUST SERIES I	ETF	0.21%	$799,712	1.4K
80	V VISA INC COM CL A	Stock	0.21%	$794,661	2.6K
81	IJR ISHARES CORE S&P SMALL CAP ETF	ETF	0.20%	$786,767	6.3K
82	VYM VANGUARD HIGH DIVIDEND YIELD INDEX ETF	ETF	0.20%	$785,937	5.3K
83	HD HOME DEPOT INC COM	Stock	0.20%	$777,679	2.4K
84	CAT CATERPILLAR INC COM	Stock	0.19%	$747,998	1.1K
85	VHT VANGUARD HEALTH CARE ETF	ETF	0.19%	$740,530	2.7K
86	SCHZ SCHWAB US AGGREGATE BOND ETF	ETF	0.18%	$690,694	29.7K
87	IBDV ISHARES IBONDS DEC 2030 TERM CORPORATE ETF	ETF	0.17%	$656,678	30.0K
88	QCOM QUALCOMM INC COM	Stock	0.17%	$656,441	5.1K
89	NFLX NETFLIX INC. COM	Stock	0.17%	$644,686	6.7K
90	EXMOC EXXON MOBIL CORP COM	Stock	0.16%	$627,024	3.7K
91	VWO VANGUARD FTSE EMERGING MARKETS ETF	ETF	0.16%	$617,829	11.4K
92	DFAI DIMENSIONAL INTERNATIONAL CORE EQUITY MARKET ETF	ETF	0.16%	$607,737	15.6K
93	IVW ISHARES S&P 500 GROWTH ETF	ETF	0.16%	$605,365	5.4K
94	SPSB STATE STREET SPDR PORTFOLIO SHORT TERM CORPORATE BOND ETF	ETF	0.15%	$584,331	19.4K
95	IEFA ISHARES CORE MSCI EAFE ETF	ETF	0.15%	$576,848	6.4K
96	SCHP SCHWAB US TIPS ETF	ETF	0.14%	$550,907	20.7K
97	VUSB VANGUARD ULTRA-SHORT BOND ETF	ETF	0.14%	$541,412	10.9K
98	ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF	ETF	0.14%	$539,245	4.9K
99	IVE ISHARES S&P 500 VALUE ETF	ETF	0.14%	$532,731	2.5K
100	SPY STATE STREET SPDR S&P 500 ETF	ETF	0.14%	$531,676	818

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 ↗.