Gradient Capital Advisors

SAN DIEGO, CAfiles as Gradient Capital Advisors, LLC

$432m in 179 US stocks at the end of 30 June 2026. The top 10 are 36.2% of the money. It changed about 3.9% of the portfolio this quarter.

Value

$432m

Stocks

179

Top 10 share

36.2%

Turnover

3.9%

What changed this quarter

New

Bought for the first time this quarter.

ExxonMobil HoldingsXOM
0.1% of the fund
RBB Fund TrustFEGE
<0.1% of the fund
CrowdStrike HoldingsCRWD
<0.1% of the fund
GE VernovaGEV
<0.1% of the fund
Ishares TRIBCA
<0.1% of the fund
DeereDE
<0.1% of the fund
Ishares TRSTIP
<0.1% of the fund
NXP SemiconductorsNXPI
<0.1% of the fund
Invesco Exch TRD SLF IDX FDBSCT
<0.1% of the fund

Added

Bought more of a stock they already held.

Vanguard Scottsdale FDSVCSH
3.3% of the fund
+2%
Dimensional ETF TrustDFGP
3.0% of the fund
+8%
Dimensional ETF TrustDFSD
2.8% of the fund
+10%
AlphabetGOOGL
2.2% of the fund
+4%
Vanguard Malvern FDSVTIP
2.0% of the fund
+5%
Dimensional ETF TrustDFSV
1.9% of the fund
+3%
Dimensional ETF TrustDFAR
1.3% of the fund
+2%
Berkshire HathawayBRK-B
1.3% of the fund
+13%
J P Morgan Exchange Traded FJPST
1.3% of the fund
+4%
Dimensional ETF TrustDFAX
1.3% of the fund
+2%
Dimensional ETF TrustDFLV
1.2% of the fund
+4%
Ishares TRIGSB
1.1% of the fund
+3%
IsharesEMXC
1.0% of the fund
+7%
Vanguard Intl Equity Index FVNQI
0.9% of the fund
+5%
Spdr Gold TRGLD
0.8% of the fund
+4%
Spdr Series TrustBILS
0.6% of the fund
+19%
American Centy ETF TRAVMC
0.5% of the fund
+19%
Ishares TRSGOV
0.4% of the fund
+54%
Select Sector Spdr TRXLP
0.2% of the fund
+3%
Vanguard World FDVHT
0.2% of the fund
+5%
Schwab Strategic TRSCHZ
0.2% of the fund
+5%
RBB Fund TrustFEOE
0.1% of the fund
+47%
Vanguard BD Index FDSVUSB
0.1% of the fund
+2%
J P Morgan Exchange Traded FJMST
0.1% of the fund
+7%
NetflixNFLX
0.1% of the fund
+13%

Cut

Sold some of their stake.

Schwab Strategic TRSCHF
2.7% of the fund
-2%
Schwab Strategic TRSCHM
2.6% of the fund
-3%
Dimensional ETF TrustDFAT
2.2% of the fund
-3%
Dimensional ETF TrustDFEM
2.1% of the fund
-3%
Lam ResearchLRCX
1.6% of the fund
-24%
TeslaTSLA
1.3% of the fund
-3%
MicrosoftMSFT
1.2% of the fund
-2%
Vanguard Index FDSVO
1.0% of the fund
-4%
BroadcomAVGO
0.9% of the fund
-3%
Vanguard Index FDSVUG
0.8% of the fund
-6%
Meta PlatformsMETA
0.8% of the fund
-3%
Advanced Micro DevicesAMD
0.6% of the fund
-3%
Vanguard Index FDSVBR
0.5% of the fund
-4%
Dimensional ETF TrustDFAE
0.5% of the fund
-3%
American Centy ETF TRAVDV
0.5% of the fund
-3%
Vanguard Intl Equity Index FVEU
0.4% of the fund
-2%
American Centy ETF TRAVUV
0.4% of the fund
-2%
Schwab Strategic TRSCHA
0.3% of the fund
-11%
Schwab Strategic TRSCHV
0.3% of the fund
-4%
Bank of AmericaBAC
0.3% of the fund
-10%
IntelINTC
0.3% of the fund
-15%
Vanguard Specialized FundsVIG
0.3% of the fund
-5%
Invesco QQQ TRQQQ
0.2% of the fund
-2%
QualcommQCOM
0.2% of the fund
-2%
Ishares TRIJR
0.2% of the fund
-3%

Sold out

Sold their entire stake.

Holdings

Ishares TRIVV
Share
9.1%
Value
$39m
Shares
52,370
Held
AppleAAPL
Share
4.8%
Value
$21m
Shares
71,073
Held
Spdr Index SHS FDSSPDW
Share
3.6%
Value
$16m
Shares
309,462
Held
Vanguard Scottsdale FDSVCSH
Share
3.3%
Value
$14m
Shares
180,069
+2%
Dimensional ETF TrustDFGP
Share
3.0%
Value
$13m
Shares
234,833
+8%
Dimensional ETF TrustDFSD
Share
2.8%
Value
$12m
Shares
257,184
+10%
Schwab Strategic TRSCHF
Share
2.7%
Value
$12m
Shares
424,587
-2%
Schwab Strategic TRSCHM
Share
2.6%
Value
$11m
Shares
300,477
-3%
Dimensional ETF TrustDFAT
Share
2.2%
Value
$9m
Shares
134,622
-3%
AlphabetGOOGL
Share
2.2%
Value
$9m
Shares
26,189
+4%
Dimensional ETF TrustDFEM
Share
2.1%
Value
$9m
Shares
222,157
-3%
Vanguard Index FDSVV
Share
2.0%
Value
$9m
Shares
24,826
Held
Vanguard Malvern FDSVTIP
Share
2.0%
Value
$9m
Shares
169,781
+5%
Vanguard Tax-Managed FDSVEA
Share
1.9%
Value
$8m
Shares
114,282
Held
Dimensional ETF TrustDFSV
Share
1.9%
Value
$8m
Shares
209,792
+3%
Schwab Strategic TRSCHX
Share
1.8%
Value
$8m
Shares
259,820
Held
JPMorgan ChaseJPM
Share
1.7%
Value
$7m
Shares
22,691
Held
Dimensional ETF TrustDFUV
Share
1.6%
Value
$7m
Shares
124,809
Held
Lam ResearchLRCX
Share
1.6%
Value
$7m
Shares
15,624
-24%
NvidiaNVDA
Share
1.5%
Value
$6m
Shares
32,307
Held
Dimensional ETF TrustDFAR
Share
1.3%
Value
$6m
Shares
219,228
+2%
TeslaTSLA
Share
1.3%
Value
$6m
Shares
13,172
-3%
Berkshire HathawayBRK-B
Share
1.3%
Value
$6m
Shares
11,052
+13%
J P Morgan Exchange Traded FJPST
Share
1.3%
Value
$5m
Shares
108,737
+4%
Dimensional ETF TrustDFAX
Share
1.3%
Value
$5m
Shares
147,029
+2%
Dimensional ETF TrustDFLV
Share
1.2%
Value
$5m
Shares
133,859
+4%
MicrosoftMSFT
Share
1.2%
Value
$5m
Shares
13,695
-2%
Vanguard Index FDSVOO
Share
1.1%
Value
$5m
Shares
7,019
Held
Vanguard Star FDSVXUS
Share
1.1%
Value
$5m
Shares
56,214
Held
Schwab Strategic TRSCHD
Share
1.1%
Value
$5m
Shares
147,747
Held
Ishares TRIGSB
Share
1.1%
Value
$5m
Shares
87,994
+3%
Vanguard Index FDSVO
Share
1.0%
Value
$4m
Shares
55,041
-4%
IsharesEMXC
Share
1.0%
Value
$4m
Shares
40,505
+7%
BroadcomAVGO
Share
0.9%
Value
$4m
Shares
10,801
-3%
Vanguard Index FDSVB
Share
0.9%
Value
$4m
Shares
12,790
Held
Vanguard Intl Equity Index FVNQI
Share
0.9%
Value
$4m
Shares
86,245
+5%
Dimensional ETF TrustDISV
Share
0.9%
Value
$4m
Shares
91,739
Held
Spdr Gold TRGLD
Share
0.8%
Value
$4m
Shares
9,846
+4%
Vanguard Index FDSVUG
Share
0.8%
Value
$4m
Shares
40,643
-6%
Meta PlatformsMETA
Share
0.8%
Value
$3m
Shares
6,195
-3%
Cisco SystemsCSCO
Share
0.7%
Value
$3m
Shares
24,408
Held
Taiwan Semiconductor ManufacturingTSM
Share
0.7%
Value
$3m
Shares
5,974
Held
Advanced Micro DevicesAMD
Share
0.6%
Value
$3m
Shares
4,766
-3%
Spdr Series TrustBILS
Share
0.6%
Value
$3m
Shares
26,335
+19%
Vanguard Index FDSVTV
Share
0.6%
Value
$3m
Shares
11,486
Held
Amazon.comAMZN
Share
0.5%
Value
$2m
Shares
9,845
Held
Vanguard Index FDSVBR
Share
0.5%
Value
$2m
Shares
9,495
-4%
Dimensional ETF TrustDFAE
Share
0.5%
Value
$2m
Shares
56,704
-3%
American Centy ETF TRAVMC
Share
0.5%
Value
$2m
Shares
27,007
+19%
American Centy ETF TRAVDV
Share
0.5%
Value
$2m
Shares
20,796
-3%
World Gold TRGLDM
Share
0.5%
Value
$2m
Shares
25,547
Held
Schwab Strategic TRSCHB
Share
0.5%
Value
$2m
Shares
69,938
Held
W. P. CareyWPC
Share
0.5%
Value
$2m
Shares
27,790
Held
Bank of New York MellonBNY
Share
0.4%
Value
$2m
Shares
13,347
Held
Vanguard Index FDSVNQ
Share
0.4%
Value
$2m
Shares
19,152
Held
Vanguard Intl Equity Index FVEU
Share
0.4%
Value
$2m
Shares
20,332
-2%
Ishares TRIWM
Share
0.4%
Value
$2m
Shares
5,584
Held
American Centy ETF TRAVUV
Share
0.4%
Value
$2m
Shares
12,667
-2%
ChevronCVX
Share
0.4%
Value
$2m
Shares
9,282
Held
Ishares TRSGOV
Share
0.4%
Value
$2m
Shares
15,154
+54%
Vanguard Index FDSVTI
Share
0.4%
Value
$2m
Shares
4,113
Held
Schwab Strategic TRSCHA
Share
0.3%
Value
$1m
Shares
39,787
-11%
Johnson & JohnsonJNJ
Share
0.3%
Value
$1m
Shares
5,325
Held
Schwab Strategic TRSCHV
Share
0.3%
Value
$1m
Shares
37,645
-4%
Ishares Silver TRSLV
Share
0.3%
Value
$1m
Shares
23,579
Held
Micron TechnologyMU
Share
0.3%
Value
$1m
Shares
1,053
Held
Dimensional ETF TrustDFAC
Share
0.3%
Value
$1m
Shares
26,013
Held
AmgenAMGN
Share
0.3%
Value
$1m
Shares
3,097
Held
Bank of AmericaBAC
Share
0.3%
Value
$1m
Shares
19,534
-10%
CaterpillarCAT
Share
0.3%
Value
$1m
Shares
1,044
Held
IntelINTC
Share
0.3%
Value
$1m
Shares
7,938
-15%
Vanguard Specialized FundsVIG
Share
0.3%
Value
$1m
Shares
4,680
-5%
Spdr Index SHS FDSFEZ
Share
0.2%
Value
$1m
Shares
15,216
Held
Invesco QQQ TRQQQ
Share
0.2%
Value
$998,228
Shares
1,356
-2%
AlphabetGOOG
Share
0.2%
Value
$980,394
Shares
2,775
Held
Select Sector Spdr TRXLP
Share
0.2%
Value
$945,111
Shares
11,377
+3%
Schwab Strategic TRSCHH
Share
0.2%
Value
$944,808
Shares
39,899
Held
QualcommQCOM
Share
0.2%
Value
$919,959
Shares
4,978
-2%
Ishares TRIJR
Share
0.2%
Value
$909,716
Shares
6,134
-3%
Costco WholesaleCOST
Share
0.2%
Value
$897,574
Shares
959
Held
Lockheed MartinLMT
Share
0.2%
Value
$878,889
Shares
1,725
Held
VisaV
Share
0.2%
Value
$869,840
Shares
2,535
-4%
Ishares TRIBDX
Share
0.2%
Value
$864,754
Shares
34,329
Held
Vanguard BD Index FDSBSV
Share
0.2%
Value
$855,631
Shares
10,982
Held
Vanguard World FDVHT
Share
0.2%
Value
$854,046
Shares
2,856
+5%
Ishares TRIBDW
Share
0.2%
Value
$850,293
Shares
40,801
Held
Vanguard Whitehall FDSVYM
Share
0.2%
Value
$838,914
Shares
5,309
Held
Dimensional ETF TrustDFIC
Share
0.2%
Value
$798,668
Shares
21,435
-7%
Home DepotHD
Share
0.2%
Value
$780,207
Shares
2,212
-6%
Ishares TRIVW
Share
0.2%
Value
$736,061
Shares
5,352
Held
Schwab Strategic TRSCHZ
Share
0.2%
Value
$724,668
Shares
31,330
+5%
Vanguard Intl Equity Index FVWO
Share
0.2%
Value
$657,397
Shares
11,014
-4%
Ishares TRIBDV
Share
0.2%
Value
$653,978
Shares
29,999
Held
Dimensional ETF TrustDFAI
Share
0.1%
Value
$643,459
Shares
15,599
Held
Ishares TRIEFA
Share
0.1%
Value
$605,740
Shares
6,272
Held
Applied MaterialsAMAT
Share
0.1%
Value
$579,846
Shares
802
-2%
Spdr Series TrustSPSB
Share
0.1%
Value
$579,589
Shares
19,313
Held
RBB Fund TrustFEOE
Share
0.1%
Value
$576,506
Shares
10,796
+47%
Ishares TRIVE
Share
0.1%
Value
$572,872
Shares
2,523
Held
State STR Spdr S&P 500 ETF TSPY
Share
0.1%
Value
$561,571
Shares
752
-8%

Company	Share of fund	Value	Shares	Change
Ishares TRIVV	9.1%	$39m	52,370	Held
AppleAAPL	4.8%	$21m	71,073	Held
Spdr Index SHS FDSSPDW	3.6%	$16m	309,462	Held
Vanguard Scottsdale FDSVCSH	3.3%	$14m	180,069	+2%
Dimensional ETF TrustDFGP	3.0%	$13m	234,833	+8%
Dimensional ETF TrustDFSD	2.8%	$12m	257,184	+10%
Schwab Strategic TRSCHF	2.7%	$12m	424,587	-2%
Schwab Strategic TRSCHM	2.6%	$11m	300,477	-3%
Dimensional ETF TrustDFAT	2.2%	$9m	134,622	-3%
AlphabetGOOGL	2.2%	$9m	26,189	+4%
Dimensional ETF TrustDFEM	2.1%	$9m	222,157	-3%
Vanguard Index FDSVV	2.0%	$9m	24,826	Held
Vanguard Malvern FDSVTIP	2.0%	$9m	169,781	+5%
Vanguard Tax-Managed FDSVEA	1.9%	$8m	114,282	Held
Dimensional ETF TrustDFSV	1.9%	$8m	209,792	+3%
Schwab Strategic TRSCHX	1.8%	$8m	259,820	Held
JPMorgan ChaseJPM	1.7%	$7m	22,691	Held
Dimensional ETF TrustDFUV	1.6%	$7m	124,809	Held
Lam ResearchLRCX	1.6%	$7m	15,624	-24%
NvidiaNVDA	1.5%	$6m	32,307	Held
Dimensional ETF TrustDFAR	1.3%	$6m	219,228	+2%
TeslaTSLA	1.3%	$6m	13,172	-3%
Berkshire HathawayBRK-B	1.3%	$6m	11,052	+13%
J P Morgan Exchange Traded FJPST	1.3%	$5m	108,737	+4%
Dimensional ETF TrustDFAX	1.3%	$5m	147,029	+2%
Dimensional ETF TrustDFLV	1.2%	$5m	133,859	+4%
MicrosoftMSFT	1.2%	$5m	13,695	-2%
Vanguard Index FDSVOO	1.1%	$5m	7,019	Held
Vanguard Star FDSVXUS	1.1%	$5m	56,214	Held
Schwab Strategic TRSCHD	1.1%	$5m	147,747	Held
Ishares TRIGSB	1.1%	$5m	87,994	+3%
Vanguard Index FDSVO	1.0%	$4m	55,041	-4%
IsharesEMXC	1.0%	$4m	40,505	+7%
BroadcomAVGO	0.9%	$4m	10,801	-3%
Vanguard Index FDSVB	0.9%	$4m	12,790	Held
Vanguard Intl Equity Index FVNQI	0.9%	$4m	86,245	+5%
Dimensional ETF TrustDISV	0.9%	$4m	91,739	Held
Spdr Gold TRGLD	0.8%	$4m	9,846	+4%
Vanguard Index FDSVUG	0.8%	$4m	40,643	-6%
Meta PlatformsMETA	0.8%	$3m	6,195	-3%
Cisco SystemsCSCO	0.7%	$3m	24,408	Held
Taiwan Semiconductor ManufacturingTSM	0.7%	$3m	5,974	Held
Advanced Micro DevicesAMD	0.6%	$3m	4,766	-3%
Spdr Series TrustBILS	0.6%	$3m	26,335	+19%
Vanguard Index FDSVTV	0.6%	$3m	11,486	Held
Amazon.comAMZN	0.5%	$2m	9,845	Held
Vanguard Index FDSVBR	0.5%	$2m	9,495	-4%
Dimensional ETF TrustDFAE	0.5%	$2m	56,704	-3%
American Centy ETF TRAVMC	0.5%	$2m	27,007	+19%
American Centy ETF TRAVDV	0.5%	$2m	20,796	-3%
World Gold TRGLDM	0.5%	$2m	25,547	Held
Schwab Strategic TRSCHB	0.5%	$2m	69,938	Held
W. P. CareyWPC	0.5%	$2m	27,790	Held
Bank of New York MellonBNY	0.4%	$2m	13,347	Held
Vanguard Index FDSVNQ	0.4%	$2m	19,152	Held
Vanguard Intl Equity Index FVEU	0.4%	$2m	20,332	-2%
Ishares TRIWM	0.4%	$2m	5,584	Held
American Centy ETF TRAVUV	0.4%	$2m	12,667	-2%
ChevronCVX	0.4%	$2m	9,282	Held
Ishares TRSGOV	0.4%	$2m	15,154	+54%
Vanguard Index FDSVTI	0.4%	$2m	4,113	Held
Schwab Strategic TRSCHA	0.3%	$1m	39,787	-11%
Johnson & JohnsonJNJ	0.3%	$1m	5,325	Held
Schwab Strategic TRSCHV	0.3%	$1m	37,645	-4%
Ishares Silver TRSLV	0.3%	$1m	23,579	Held
Micron TechnologyMU	0.3%	$1m	1,053	Held
Dimensional ETF TrustDFAC	0.3%	$1m	26,013	Held
AmgenAMGN	0.3%	$1m	3,097	Held
Bank of AmericaBAC	0.3%	$1m	19,534	-10%
CaterpillarCAT	0.3%	$1m	1,044	Held
IntelINTC	0.3%	$1m	7,938	-15%
Vanguard Specialized FundsVIG	0.3%	$1m	4,680	-5%
Spdr Index SHS FDSFEZ	0.2%	$1m	15,216	Held
Invesco QQQ TRQQQ	0.2%	$998,228	1,356	-2%
AlphabetGOOG	0.2%	$980,394	2,775	Held
Select Sector Spdr TRXLP	0.2%	$945,111	11,377	+3%
Schwab Strategic TRSCHH	0.2%	$944,808	39,899	Held
QualcommQCOM	0.2%	$919,959	4,978	-2%
Ishares TRIJR	0.2%	$909,716	6,134	-3%
Costco WholesaleCOST	0.2%	$897,574	959	Held
Lockheed MartinLMT	0.2%	$878,889	1,725	Held
VisaV	0.2%	$869,840	2,535	-4%
Ishares TRIBDX	0.2%	$864,754	34,329	Held
Vanguard BD Index FDSBSV	0.2%	$855,631	10,982	Held
Vanguard World FDVHT	0.2%	$854,046	2,856	+5%
Ishares TRIBDW	0.2%	$850,293	40,801	Held
Vanguard Whitehall FDSVYM	0.2%	$838,914	5,309	Held
Dimensional ETF TrustDFIC	0.2%	$798,668	21,435	-7%
Home DepotHD	0.2%	$780,207	2,212	-6%
Ishares TRIVW	0.2%	$736,061	5,352	Held
Schwab Strategic TRSCHZ	0.2%	$724,668	31,330	+5%
Vanguard Intl Equity Index FVWO	0.2%	$657,397	11,014	-4%
Ishares TRIBDV	0.2%	$653,978	29,999	Held
Dimensional ETF TrustDFAI	0.1%	$643,459	15,599	Held
Ishares TRIEFA	0.1%	$605,740	6,272	Held
Applied MaterialsAMAT	0.1%	$579,846	802	-2%
Spdr Series TrustSPSB	0.1%	$579,589	19,313	Held
RBB Fund TrustFEOE	0.1%	$576,506	10,796	+47%
Ishares TRIVE	0.1%	$572,872	2,523	Held
State STR Spdr S&P 500 ETF TSPY	0.1%	$561,571	752	-8%

Showing the largest 100 of 179.

Over time and by industry

Value over time

Jun '25

Dec '25

Jun '26

Value is up 27.5% since 30 June 2025.

Where the money is

Technology13.3%

Financial services4.4%

Media & telecom3.4%

Retail & consumer2.3%

Industrials0.8%

Health care0.7%

Energy0.5%

Real estate0.5%

Everyday goods0.3%

Materials0.1%

Utilities0.0%

Other73.7%

From the fund's 13F filings. They list US stocks and options only, 45 days after each quarter, and leave out cash, bonds, shorts and foreign shares.