Gradient Capital Advisors, LLC Portfolio Holdings

Gradient Capital Advisors, LLC

$329 Million
Q2 2025

Gradient Capital Advisors, LLC has filed its 13F form on July 16, 2025 for Q2 2025 where it was disclosed a total value porftolio of $329 Million distributed in 162 stocks.

Among their holdings, we can observe that their the top five positions include companies like: Ishares Core S&P 500 ETF with a value of $32.4M, Apple Inc. with a value of $15.2M, Spdr Ser Tr Fds Spdr Portfolio with a value of $13.6M, Vanguard Sht Term Corp Bd ETF with a value of $11.6M, and Schwab Strategic Tr Intl Eqty with a value of $10.3M.

Examining the 13F form we can see an increase of $30.1M in the current position value, from $299M to 329M.

Below you can find more details about Gradient Capital Advisors, LLC portfolio as well as his latest detailed transactions.

Portfolio value $329 Million

ETFs: $240 Million

Technology: $38.2 Million

Financial Services: $15.4 Million

Communication Services: $10.3 Million

Consumer Cyclical: $9.21 Million

Healthcare: $3.01 Million

Industrials: $1.85 Million

Energy: $1.78 Million

Other: $3.37 Million

Stock Holdings Table ETFs Only

Stock	Market Cap.	Holding Value (Reported)	# of Shares.	Last Trade
IVV Ishares Core S&P 500 ETF ETFs	$0	$32.4 Million 9.85% of portfolio	52,248	Q2 2025 Added 1.2%
SPDW Spdr Ser Tr Fds Spdr Portfolio ETFs	$0	$13.6 Million 4.14% of portfolio	336,622	Q2 2025 Reduced 3.14%
VCSH Vanguard Sht Term Corp Bd ETF ETFs	$0	$11.6 Million 3.53% of portfolio	146,340	Q2 2025 Reduced 7.06%
SCHF Schwab Strategic Tr Intl Eqty ETFs	$0	$10.3 Million 3.13% of portfolio	466,452	Q2 2025 Reduced 2.5%
DFSD Dimensional ETF Tr Short Durat ETFs	$0	$9.8 Million 2.98% of portfolio	204,171	Q2 2025 Reduced 1.65%
SCHM Schwab Strategic U.S. Mid Cap ETFs	$0	$9.25 Million 2.81% of portfolio	329,615	Q2 2025 Added 4.17%
VV Vanguard Large Cap ETF ETFs	$0	$9 Million 2.73% of portfolio	31,558	Q2 2025 Added 62.56%
DFAT Dimensional ETF Tr U S Target ETFs	$0	$7.57 Million 2.3% of portfolio	140,353	Q2 2025 Added 0.75%
VTIP Vanguard Sht Trm Inflt Prot Fd ETFs	$0	$7.04 Million 2.14% of portfolio	140,069	Q2 2025 Reduced 7.25%
SCHX Schwab Strategic Tr Us Large C ETFs	$0	$6.9 Million 2.1% of portfolio	282,450	Q2 2025 Added 2.1%
DFEM Dimensional ETF Tr Emerging Mk ETFs	$0	$6.84 Million 2.08% of portfolio	230,462	Q2 2025 Reduced 0.02%
JPST Jp Morgan ETF Tr Ultra Short I ETFs	$0	$6.26 Million 1.9% of portfolio	123,600	Q2 2025 Reduced 0.63%
VEA Vanguard Ftse Developed Market ETFs	$0	$6.14 Million 1.86% of portfolio	107,667	Q2 2025 Reduced 0.74%
DFUV Dimensional ETF Tr Us Marketwi ETFs	$0	$5.65 Million 1.71% of portfolio	133,613	Q2 2025 Added 3.3%
DFSV Dimensional ETF Tr Dimensional ETFs	$0	$5.07 Million 1.54% of portfolio	172,432	Q2 2025 Added 23.93%
DFAR Dimensional ETF Tr Dimensional ETFs	$0	$4.64 Million 1.41% of portfolio	197,705	Q2 2025 Added 3.64%
VOO Vanguard Index Fds S&P 500 ETF ETFs	$0	$4.52 Million 1.37% of portfolio	7,961	Q2 2025 Reduced 0.06%
VXUS Vanguard Star Fd Vanguard Tota ETFs	$0	$4.31 Million 1.31% of portfolio	62,437	Q2 2025 Reduced 3.81%
VUG Vanguard Growth ETF ETFs	$0	$4.21 Million 1.28% of portfolio	9,596	Q2 2025 Added 5.58%
VO Vanguard Mid Cap ETF ETFs	$0	$4.23 Million 1.28% of portfolio	15,120	Q2 2025 Added 0.07%
DFAX Dimensional ETF Tr	$0	$3.93 Million 1.19% of portfolio	133,749	Q2 2025 Added 1.02%
IGSB Ishares Trust Ishares 1 5 Year ETFs	$0	$3.83 Million 1.16% of portfolio	72,664	Q2 2025 Reduced 10.93%
SCHD Schwab Strategic Tr Us Dividen ETFs	$0	$3.77 Million 1.14% of portfolio	142,106	Q2 2025 Added 4.53%
VNQI Vanguard Global Ex U.S. Real ETFs	$0	$3.6 Million 1.09% of portfolio	77,969	Q2 2025 Added 3.22%
VB Vanguard Small Cap ETF ETFs	$0	$3.2 Million 0.97% of portfolio	13,497	Q2 2025 Added 1.95%
DISV Dimensional ETF Tr Dimensional ETFs	$0	$3.07 Million 0.93% of portfolio	93,242	Q2 2025 Reduced 1.76%
GLD Spdr Gold Trust ETFs	$106B	$3 Million 0.91% of portfolio	9,832	Q2 2025 Added 9.23%
BILS Spdr Bloomberg 3 12 Month T Bi ETFs	$0	$2.62 Million 0.8% of portfolio	26,384	Q2 2025 Added 80.66%
VBR Vanguard Small Cap Value ETF ETFs	$0	$2.29 Million 0.69% of portfolio	11,723	Q2 2025 Reduced 3.63%
DFAE Dimensional ETF Tr ETFs	$0	$2.08 Million 0.63% of portfolio	71,743	Q2 2025 Reduced 1.67%
GLDM World Gold Trust ETFs	$9.7B	$1.97 Million 0.6% of portfolio	30,003	Q2 2025 Reduced 5.56%
VTV Vanguard Value ETF ETFs	$0	$1.96 Million 0.59% of portfolio	11,063	Q2 2025 Reduced 0.7%
SCHB Schwab Strategic Tr Us Broad M ETFs	$0	$1.87 Million 0.57% of portfolio	78,425	Q2 2025 Added 1.29%
AVDV American Centy ETF Tr Avantis ETFs	$0	$1.83 Million 0.56% of portfolio	23,080	Q2 2025 Reduced 3.96%
VNQ Vanguard Specialized Funds Van ETFs	$0	$1.54 Million 0.47% of portfolio	17,278	Q2 2025 Reduced 1.97%
VEU Vanguard Ftse All World Ex Us ETFs	$0	$1.39 Million 0.42% of portfolio	20,633	Q2 2025 Added 3.72%
IWM Ishares Russell 2000 ETF ETFs	$0	$1.34 Million 0.41% of portfolio	6,231	Q2 2025 Reduced 16.32%
AVUV American Centy ETF Tr Avantis ETFs	$0	$1.29 Million 0.39% of portfolio	14,143	Q2 2025 Added 25.82%
SCHV Schwab Strategic Tr Us Large C ETFs	$0	$1.19 Million 0.36% of portfolio	43,157	Q2 2025 Reduced 4.44%
VTI Vanguard Total Stock Market Et ETFs	$0	$1.19 Million 0.36% of portfolio	3,926	Q2 2025 Reduced 0.83%
SCHA Schwab Strategic Tr Us Small C ETFs	$0	$1.1 Million 0.33% of portfolio	43,502	Q2 2025 Added 8.45%
FEZ Spdr Euro Stoxx 50 ETF ETFs	$0	$1.1 Million 0.33% of portfolio	18,404	Q2 2025 Added 24.06%
VIG Vanguard Dividend Appreciation ETFs	$0	$1.01 Million 0.31% of portfolio	5,562	Q2 2025 Added 0.54%
SCHH Schwab Strategic U.S. Reit ETF ETFs	$0	$910,000 0.28% of portfolio	43,047	Q2 2025 Reduced 0.6%
DFAC Dimensional ETF Tr U S Core Eq ETFs	$0	$913,000 0.28% of portfolio	25,497	Q2 2025 Added 9.16%
VWO Vanguard Ftse Emerging Mkts Et ETFs	$0	$878,000 0.27% of portfolio	17,770	Q2 2025 Added 4.99%
XLP Consumer Staples Sector Spdr ETFs	$0	$851,000 0.26% of portfolio	11,199	Q2 2025 Added 0.02%
IBDW Ishares Tr Ibonds Dec 2031 Ter	$0	$828,000 0.25% of portfolio	39,388	Q1 2025 Added 4.99%
IBDX Ishares Tr Ibonds Dec 2032 Ter ETFs	$0	$823,000 0.25% of portfolio	32,548	Q2 2025 Added 0.02%
SCHZ Schwab Us Aggregate Bond ETF ETFs	$0	$780,000 0.24% of portfolio	33,721	Q2 2025 Reduced 4.98%

Summary

Portfolio
No. of Stocks 162
Current Value $329 Million
Prior Value $299 Million
Filing
Period Q2 2025
Filing Date July 16, 2025
Form Type 13F-HR
Activity in Q2 2025
New Purchases 11 stocks
Additional Purchases 67 stocks
Sold out of 0 stocks
Reduced holdings in 54 stocks

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Gradient Capital Advisors, LLC Portfolio Holdings