Gradient Capital Advisors, LLC

Name: Gradient Capital Advisors, LLC: Form 13F holdings for the quarter ended 2026-06-30
Creator: Listed

An institutional investment manager in SAN DIEGO, CA. Its Form 13F for the quarter ended Jun 30, 2026, filed Jul 13, 2026. SEC CIK 1727917.

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Reported value$431.8m
Positions179

Holdings: 179 positions

The filing on sec.gov

As filed, largest first. Reported value is what the manager stated for each position at the quarter end, in US dollars; it is filing data, not a price. Weight is the position's share of the total reported value. Changes compare with the 13F for the quarter ended 2026-03-31.

Gradient Capital Advisors, LLC, holdings
Issuer	Class	CUSIP	Reported value$m	Weight	Shares	Change on the quarter before
Ishares Core S&P 500 ETF	ETF	464287200	39.2	9.1%	52,370	Reduced−520
Apple Inc ComAAPL	Stock	037833100	20.6	4.8%	71,073	Reduced−529
State Street SPDR Portfolio Developed World Ex-Us ETF	ETF	78463X889	15.6	3.6%	309,462	Reduced−5,606
Vanguard Short-Term Corporate Bond ETF	ETF	92206C409	14.2	3.3%	180,069	Added+3,888
Dimensional Global Core Plus Fixed Income ETF	ETF	25434V583	12.8	3.0%	234,833	Added+17,831
Dimensional Short-Duration Fixed Income ETF	ETF	25434V864	12.3	2.8%	257,184	Added+23,489
Schwab International Equity ETF	ETF	808524805	11.8	2.7%	424,587	Reduced−10,561
Schwab U.S. Mid-Cap ETF	ETF	808524508	11.1	2.6%	300,477	Reduced−9,213
Dimensional U.S. Targeted Value ETF	ETF	25434V609	9.4	2.2%	134,622	Reduced−3,918
Alphabet Inc Cap STK CL aGOOGL	Stock	02079K305	9.4	2.2%	26,189	Added+1,116
Dimensional Emerging Markets Core Equity 2 ETF	ETF	25434V732	9.0	2.1%	222,157	Reduced−7,323
Vanguard Large-Cap ETF	ETF	922908637	8.5	2.0%	24,826	Reduced−387
Vanguard Short-Term Inflation-Protected Securities ETF	ETF	922020805	8.5	2.0%	169,781	Added+7,901
Vanguard Ftse Developed Markets ETF	ETF	921943858	8.1	1.9%	114,282	Reduced−679
Dimensional US Small Cap Value ETF	ETF	25434V815	8.1	1.9%	209,792	Added+6,198
Schwab U.S. Large-Cap ETF	ETF	808524201	7.6	1.8%	259,820	Reduced−1,352
Jpmorgan Chase & Co ComJPM	Stock	46625H100	7.4	1.7%	22,691	Added+19
Dimensional US Marketwide Value ETF	ETF	25434V724	6.9	1.6%	124,809	Reduced−1,110
LAM Research Corp Com NewLRCX	Stock	512807306	6.8	1.6%	15,624	Reduced−4,983
Nvidia Corporation ComNVDA	Stock	67066G104	6.5	1.5%	32,307	Reduced−200
Dimensional US Real Estate ETF	ETF	25434V823	5.7	1.3%	219,228	Added+5,031
Tesla Inc ComTSLA	Stock	88160R101	5.5	1.3%	13,172	Reduced−430
Berkshire Hathaway Inc Del CL B NewBRK-B	Stock	084670702	5.5	1.3%	11,052	Added+1,311
Jpmorgan Ultra-Short Income ETF	ETF	46641Q837	5.5	1.3%	108,737	Added+4,481
Dimensional World Ex U.S. Core Equity 2 ETF	ETF	25434V880	5.4	1.3%	147,029	Added+3,131
Dimensional US Large Cap Value ETF	ETF	25434V666	5.3	1.2%	133,859	Added+5,203
Microsoft Corp ComMSFT	Stock	594918104	5.1	1.2%	13,695	Reduced−321
Vanguard S&P 500 ETF	ETF	922908363	4.8	1.1%	7,019	Reduced−8
Vanguard Total International Stock ETF	ETF	921909768	4.8	1.1%	56,214	Added+323
Schwab US Dividend Equity ETF	ETF	808524797	4.7	1.1%	147,747	Reduced−1,256
Ishares 1-5 Year Investment Grade Corporate Bond ETF	ETF	464288646	4.6	1.1%	87,994	Added+2,432
Vanguard Mid-Cap ETF	ETF	922908629	4.4	1.0%	55,041	Added+40,726
Ishares Msci Emerging Markets Ex China ETF	ETF	46434G764	4.1	1.0%	40,505	Added+2,652
Broadcom Inc ComAVGO	Stock	11135F101	4.1	0.9%	10,801	Reduced−330
Vanguard Small-Cap ETF	ETF	922908751	3.9	0.9%	12,790	Reduced−150
Vanguard Global Ex-U.S. Real Estate ETF	ETF	922042676	3.9	0.9%	86,245	Added+4,216
Dimensional International Small Cap Value ETF	ETF	25434V781	3.7	0.9%	91,739	Added+444
SPDR Gold SharesGLD	ETF	78463V107	3.6	0.8%	9,846	Added+400
Vanguard Growth ETF	ETF	922908736	3.5	0.8%	40,643	Added+33,402
Meta Platforms Inc CL aMETA	Stock	30303M102	3.5	0.8%	6,195	Reduced−198
Cisco Sys Inc ComCSCO	Stock	17275R102	2.9	0.7%	24,408	Added+100
Taiwan Semiconductor Manufact Sponsored AdsTSM	ADR	874039100	2.9	0.7%	5,974	Added+106
Advanced Micro Devices Inc ComAMD	Stock	007903107	2.8	0.6%	4,766	Reduced−144
State Street SPDR Bloomberg 3-12 Month T-Bill ETF	ETF	78468R523	2.6	0.6%	26,335	Added+4,242
Vanguard Value ETF	ETF	922908744	2.5	0.6%	11,486	Added+219
Amazon Com Inc ComAMZN	Stock	023135106	2.3	0.5%	9,845	Reduced−132
Vanguard Small Cap Value ETF	ETF	922908611	2.3	0.5%	9,495	Reduced−383
Dimensional Emerging Core Equity Market ETF	ETF	25434V302	2.3	0.5%	56,704	Reduced−2,044
Avantis U.S. Mid Cap Equity ETF	ETF	025072125	2.2	0.5%	27,007	Added+4,231
Avantis International Small Cap Value ETF	ETF	025072802	2.1	0.5%	20,796	Reduced−693
SPDR Gold Minishares Trust of Beneficial InterestGLDM	ETF	98149E303	2.0	0.5%	25,547	Reduced−336
Schwab U.S. Broad Market ETF	ETF	808524102	2.0	0.5%	69,938	Added+388
WP Carey Inc ComWPC	REIT	92936U109	2.0	0.5%	27,790	Reduced−135
Bank of Ny Mellon Corp ComBNY	Stock	064058100	1.9	0.4%	13,347	Reduced−48
Vanguard Real Estate ETF	ETF	922908553	1.8	0.4%	19,152	Added+21
Vanguard Ftse All-World Ex-Us Index Fund	ETF	922042775	1.7	0.4%	20,332	Reduced−507
Ishares Russell 2000 ETF	ETF	464287655	1.7	0.4%	5,584	Unchanged
Avantis U.S. Small Cap Value ETF	ETF	025072877	1.6	0.4%	12,667	Reduced−314
Chevron Corporation ComCVX	Stock	166764100	1.5	0.4%	9,282	Added+40
Ishares 0-3 Month Treasury Bond ETF	ETF	46436E718	1.5	0.4%	15,154	Added+5,294
Vanguard Total Stock Market ETF	ETF	922908769	1.5	0.4%	4,113	Added+18
Schwab U.S. Small-Cap ETF	ETF	808524607	1.4	0.3%	39,787	Reduced−4,694
Johnson & Johnson ComJNJ	Stock	478160104	1.4	0.3%	5,325	Reduced−64
Schwab U.S. Large-Cap Value ETF	ETF	808524409	1.3	0.3%	37,645	Reduced−1,503
Ishares Silver TrustSLV	ETF	46428Q109	1.3	0.3%	23,579	Reduced−320
Micron Technology Inc ComMU	Stock	595112103	1.2	0.3%	1,053	Reduced−16
Dimensional U.S. Core Equity 2 ETF	ETF	25434V708	1.2	0.3%	26,013	Added+489
Amgen Inc ComAMGN	Stock	031162100	1.1	0.3%	3,097	Added+1
Bank of Amer Corp ComBAC	Stock	060505104	1.1	0.3%	19,534	Reduced−2,163
Caterpillar Inc ComCAT	Stock	149123101	1.1	0.3%	1,044	Reduced−12
Intel Corp ComINTC	Stock	458140100	1.1	0.3%	7,938	Reduced−1,363
Vanguard Dividend Appreciation ETF	ETF	921908844	1.1	0.3%	4,680	Reduced−246
State Street SPDR Euro Stoxx 50 ETF	ETF	78463X202	1.0	0.2%	15,216	Reduced−269
Invesco QQQ Trust Series I	ETF	46090E103	1.0	0.2%	1,356	Reduced−30
Alphabet Inc Cap STK CL CGOOGL	Stock	02079K107	1.0	0.2%	2,775	Reduced−44
State Street Consumer Staples Select Sector SPDR ETF	ETF	81369Y308	0.9	0.2%	11,377	Added+322
Schwab U.S. REIT ETF	ETF	808524847	0.9	0.2%	39,899	Added+18
Qualcomm Inc ComQCOM	Stock	747525103	0.9	0.2%	4,978	Reduced−119
Ishares Core S&P Small Cap ETF	ETF	464287804	0.9	0.2%	6,134	Reduced−195
Costco Wholesale Corporation ComCOST	Stock	22160K105	0.9	0.2%	959	Added+18
Lockheed Martin Corp ComLMT	Stock	539830109	0.9	0.2%	1,725	Reduced−8
Visa Inc Com CL aV	Stock	92826C839	0.9	0.2%	2,535	Reduced−94
Ishares Ibonds Dec 2032 Term Corporate ETF	ETF	46436E312	0.9	0.2%	34,329	Unchanged
Vanguard Short-Term Bond ETF	ETF	921937827	0.9	0.2%	10,982	Added+88
Vanguard Health Care ETF	ETF	92204A504	0.9	0.2%	2,856	Added+137
Ishares Ibonds Dec 2031 Term Corporate ETF	ETF	46436E486	0.9	0.2%	40,801	Unchanged
Vanguard High Dividend Yield Index ETF	ETF	921946406	0.8	0.2%	5,309	Added+2
Dimensional International Core Equity 2 ETF	ETF	25434V799	0.8	0.2%	21,435	Reduced−1,527
Home Depot Inc ComHD	Stock	437076102	0.8	0.2%	2,212	Reduced−153
Ishares S&P 500 Growth ETF	ETF	464287309	0.7	0.2%	5,352	Unchanged
Schwab US Aggregate Bond ETF	ETF	808524839	0.7	0.2%	31,330	Added+1,584
Vanguard Ftse Emerging Markets ETF	ETF	922042858	0.7	0.2%	11,014	Reduced−417
Ishares Ibonds Dec 2030 Term Corporate ETF	ETF	46436E726	0.7	0.2%	29,999	Unchanged
Dimensional International Core Equity Market ETF	ETF	25434V203	0.6	0.1%	15,599	Unchanged
Ishares Core Msci Eafe ETF	ETF	46432F842	0.6	0.1%	6,272	Reduced−100
Applied Matls Inc ComAMAT	Stock	038222105	0.6	0.1%	802	Reduced−17
State Street SPDR Portfolio Short Term Corporate Bond ETF	ETF	78464A474	0.6	0.1%	19,313	Reduced−119
First Eagle Overseas Equity ETF	ETF	75526L878	0.6	0.1%	10,796	Added+3,436
Ishares S&P 500 Value ETF	ETF	464287408	0.6	0.1%	2,523	Unchanged
State Street SPDR S&P 500 ETFSPY	ETF	78462F103	0.6	0.1%	752	Reduced−66
Vanguard Ultra-Short Bond ETF	ETF	92203C303	0.6	0.1%	11,131	Added+256
Jpmorgan Ultra-Short Municipal Income ETF	ETF	46641Q654	0.6	0.1%	10,859	Added+739
Schwab US Tips ETF	ETF	808524870	0.5	0.1%	20,727	Added+24
Netflix Inc. ComNFLX	Stock	64110L106	0.5	0.1%	7,576	Added+871
Ishares Iboxx $ Investment Grade Corporate Bond ETF	ETF	464287242	0.5	0.1%	4,864	Reduced−84
Ishares Msci Japan Value ETF	ETF	46435U374	0.5	0.1%	12,013	Added+1,672
Schwab Emerging Markets Equity ETF	ETF	808524706	0.5	0.1%	14,300	Reduced−100
Blackstone Inc ComBX	Stock	09260D107	0.5	0.1%	4,390	Unchanged
Ishares Ibonds Dec 2034 Term Corporate ETF	ETF	46438G653	0.5	0.1%	19,518	Added+1,532
Ishares Msci Eafe ETF	ETF	464287465	0.5	0.1%	4,885	Unchanged
Exxonmobil Holdings Corp Com SHSXOM	Stock	30233Q108	0.5	0.1%	3,698	New+3,698
Ishares Core U.S. Aggregate Bond ETF	ETF	464287226	0.5	0.1%	5,107	Added+130
International Business Machs ComIBM	Stock	459200101	0.5	0.1%	1,744	Reduced−274
Ishares Ibonds Dec 2029 Term Corporate ETF	ETF	46436E205	0.5	0.1%	21,086	Unchanged
Palo Alto Networks Inc ComPANW	Stock	697435105	0.5	0.1%	1,340	Added+15
State Street Energy Select Sector SPDR ETF	ETF	81369Y506	0.5	0.1%	8,553	Added+3,019
Invesco S&P 500 Low Volatility ETF	ETF	46138E354	0.5	0.1%	6,014	Added+67
Wisdomtree U.S. Total Dividend Fund	ETF	97717W109	0.4	0.1%	4,774	Reduced−41
Ishares U.S. Technology ETF	ETF	464287721	0.4	0.1%	1,760	Unchanged
Wells Fargo & Co ComWFC	Stock	949746101	0.4	0.1%	5,338	Reduced−693
Dimensional U.S. Equity Market ETF	ETF	25434V401	0.4	0.1%	5,353	Reduced−11
Ishares Ibonds Dec 2033 Term Corporate ETF	ETF	46436E130	0.4	0.1%	16,915	Added+582
Blackrock Inc ComBLK	Stock	09290D101	0.4	<0.1%	440	Added+1
Ishares Core S&P Mid-Cap ETF	ETF	464287507	0.4	<0.1%	5,460	Unchanged
State Street SPDR Portfolio S&P 1500 Composite Stock Market ETF	ETF	78464A805	0.4	<0.1%	4,560	Reduced−55
Invesco Bulletshares 2031 Municipal Bond ETF	ETF	46138J411	0.4	<0.1%	19,704	Unchanged
Starbucks Corp ComSBUX	Stock	855244109	0.4	<0.1%	3,970	Added+6
Boeing Co ComBA	Stock	097023105	0.4	<0.1%	1,768	Added+23
State Street Financial Select Sector SPDR ETF	ETF	81369Y605	0.4	<0.1%	6,896	Added+1
Goldman Sachs Group Inc ComGS	Stock	38141G104	0.4	<0.1%	361	Unchanged
Avantis U.S. Large Cap Value ETF	ETF	025072349	0.4	<0.1%	3,963	Added+71
State Street Technology Select Sector SPDR ETF	ETF	81369Y803	0.4	<0.1%	1,868	Unchanged
Abbvie Inc ComABBV	Stock	00287Y109	0.4	<0.1%	1,411	Added+1
First Eagle Global Equity ETF	ETF	75526L886	0.3	<0.1%	6,829	New+6,829
Citizens Finl Group Inc ComCFG	Stock	174610105	0.3	<0.1%	4,575	Unchanged
Ishares Ibonds Dec 2027 Term Corporate ETF	ETF	46435UAA9	0.3	<0.1%	13,020	Unchanged
Dimensional California Municipal Bond ETF	ETF	25434V633	0.3	<0.1%	6,254	Added+868
Pgim Global High Yield FD Form ComGHY	CEF	69346J106	0.3	<0.1%	25,764	Unchanged
Walmart Inc ComWMT	Stock	931142103	0.3	<0.1%	2,737	Added+2
Intuit ComINTU	Stock	461202103	0.3	<0.1%	1,176	Added+244
Oracle Corp ComORCL	Stock	68389X105	0.3	<0.1%	2,092	Added+3
Ishares Micro-Cap ETF	ETF	464288869	0.3	<0.1%	1,510	Unchanged
Fedex Corp ComFDX	Stock	31428X106	0.3	<0.1%	961	Reduced−4
Ishares Ibonds Dec 2026 Term Corporate ETF	ETF	46435GAA0	0.3	<0.1%	12,312	Unchanged
Schwab Short-Term US Treasury ETF	ETF	808524862	0.3	<0.1%	11,954	Added+581
Newmont Corp ComNEM	Stock	651639106	0.3	<0.1%	3,088	Reduced−183
Disney Walt Co ComDIS	Stock	254687106	0.3	<0.1%	2,964	Unchanged
Ishares Select U.S. REIT ETF	ETF	464287564	0.3	<0.1%	4,120	Unchanged
State Street Utilities Select Sector SPDR ETF	ETF	81369Y886	0.3	<0.1%	6,096	Unchanged
Crowdstrike Holdings Inc CL aCRWD	Stock	22788C105	0.3	<0.1%	362	New+362
State Street SPDR S&P Regional Banking ETF	ETF	78464A698	0.3	<0.1%	3,680	Unchanged
Dimensional Global Credit ETF	ETF	25434V567	0.3	<0.1%	4,961	Unchanged
State Street SPDR Bloomberg Short Term High Yield Bond ETF	ETF	78468R408	0.3	<0.1%	10,460	Unchanged
Procter & Gamble Co ComPG	Stock	742718109	0.3	<0.1%	1,781	Unchanged
Vanguard International High Dividend Yield ETF	ETF	921946794	0.3	<0.1%	2,558	Unchanged
State Street SPDR Dow Jones Industrial Average ETF TrustDIA	ETF	78467X109	0.2	<0.1%	475	Added+12
YUM Brands Inc ComYUM	Stock	988498101	0.2	<0.1%	1,525	Unchanged
Dimensional US Core Equity Market ETF	ETF	25434V104	0.2	<0.1%	4,676	Reduced−347
Ishares Ibonds Dec 2028 Term Corporate ETF	ETF	46435U515	0.2	<0.1%	9,532	Unchanged
Regeneron Pharmaceuticals ComREGN	Stock	75886F107	0.2	<0.1%	384	Unchanged
RTX Corporation ComRTX	Stock	75513E101	0.2	<0.1%	1,256	Unchanged
Marriott International Inc New CL aMAR	Stock	571903202	0.2	<0.1%	638	Unchanged
American Express Co ComAXP	Stock	025816109	0.2	<0.1%	697	Added+1
FT Vest Laddered Buffer ETF	ETF	33740F755	0.2	<0.1%	6,382	Unchanged
TJX Cos Inc New ComTJX	Stock	872540109	0.2	<0.1%	1,497	Unchanged
GE Vernova Inc ComGEV	Stock	36828A101	0.2	<0.1%	193	New+193
Ishares Tips Bond ETF	ETF	464287176	0.2	<0.1%	2,070	Unchanged
Ishares Ibonds Dec 2035 Term Corporate ETF	ETF	46438G372	0.2	<0.1%	8,733	New+8,733
Deere & Co ComDE	Stock	244199105	0.2	<0.1%	350	New+350
Ishares 5-10 Year Investment Grade Corporate Bond ETF	ETF	464288638	0.2	<0.1%	4,141	Unchanged
Jpmorgan Short Duration Core Plus ETF	ETF	46641Q274	0.2	<0.1%	4,478	Added+183
Ishares 0-5 Year Tips Bond ETF	ETF	46429B747	0.2	<0.1%	2,058	New+2,058
Southern Co ComSO	Stock	842587107	0.2	<0.1%	2,166	Added+2
NXP Semiconductors N V Com	Stock	N6596X109	0.2	<0.1%	733	New+733
Invesco Bulletshares 2030 Municipal Bond ETF	ETF	46138J445	0.2	<0.1%	9,381	Unchanged
Vanguard Intermediate-Term Corporate Bond ETF	ETF	92206C870	0.2	<0.1%	2,479	Added+2
Invesco Bulletshares 2029 Corporate Bond ETF	ETF	46138J577	0.2	<0.1%	10,448	New+10,448
Mindwalk Holdings Corp ComHYFT	Stock	602687105	0.0	<0.1%	26,551	Unchanged
Ur-Energy Inc ComURG	Stock	91688R108	0.0	<0.1%	10,000	Unchanged

Sold out: 7 positions

Held at the end of the quarter before and not reported this quarter.

Gradient Capital Advisors, LLC, positions sold out
Issuer	Class	CUSIP	Weight	Change on the quarter before
Accenture plc Ireland SHS Class a	Stock	G1151C101	0.0%	Sold out−1,219
Constellation Energy Corp ComCEG	Stock	21037T109	0.0%	Sold out−1,096
Exxon Mobil Corp Com	Stock	30231G102	0.0%	Sold out−3,696
Orthofix Med Inc ComOFIX	Stock	68752M108	0.0%	Sold out−10,004
Palantir Technologies Inc CL aPLTR	Stock	69608A108	0.0%	Sold out−1,693
Pfizer Inc ComPFE	Stock	717081103	0.0%	Sold out−10,356
Salesforce Inc ComCRM	Stock	79466L302	0.0%	Sold out−1,264

Source: SEC EDGAR, Form 13F-HR, accession 0001727917-26-000006 (on sec.gov). Last ingested by Listed: Oct 22, 2026, 05:26 ET. Listed shows no prices and gives no investment advice.