GCA

Gradient Capital Advisors Portfolio holdings

AUM $306M

AUM

$306M

AUM Growth

-$3.79M (-1%)

Cap. Flow

+$5.04M

Cap. Flow % of AUM

1.64%

Top 10 Holdings %Top 10 Hldgs %

39.06%

Holding

156

New

Increased

Reduced

Closed

Top Buys

1	Dimensional Short-Duration Fixed Income ETF DFSD	$957K
2	SPDR Gold Trust GLD	$939K
3	SPDR Euro Stoxx 50 ETF FEZ	$807K
4	iShares Core S&P 500 ETF IVV	$703K
5	Dimensional US Small Cap Value ETF DFSV	$688K

Top Sells

1	Tesla TSLA	$1.25M
2	Apple AAPL	$713K
3	JPMorgan Ultra-Short Income ETF JPST	$464K
4	Vanguard Growth ETF VUG	$396K
5	SPDR Bloomberg 3-12 Month T-Bill ETF BILS	$332K

Sector Composition

1	Technology	11.39%
2	Financials	4.44%
3	Consumer Discretionary	2.76%
4	Communication Services	2.7%
5	Healthcare	1.06%

#	Name	Market Value	Portfolio Weight	Shares or Principal	Shares Change %	Capital Flow
1	1 iShares Core S&P 500 ETF IVV $591B	$29M	9.47%	51,630 +1,251	+2%	+$703K
2	2 Apple AAPL $3T	$17M	5.53%	76,347 -3,209	-4%	-$713K
3	3 SPDR Portfolio Developed World ex-US ETF SPDW $27B	$12.7M	4.13%	347,539 +13,080	+4%	+$476K
4	4 Vanguard Short-Term Corporate Bond ETF VCSH $34.8B	$12.4M	4.06%	157,454 +1,565	+1%	+$124K
5	5 Dimensional Short-Duration Fixed Income ETF DFSD $4.57B	$9.87M	3.22%	207,597 +20,131	+11%	+$957K
6	6 Schwab International Equity ETF SCHF $48.2B	$9.46M	3.09%	478,404 -9,299	-2%	-$184K
7	7 Schwab US Mid-Cap ETF SCHM $11.4B	$8.29M	2.71%	316,415 +11,907	+4%	+$312K
8	8 Vanguard Short-Term Inflation-Protected Securities Index Fund VTIP $14.9B	$7.54M	2.46%	151,012 -1,594	-1%	-$79.5K
9	9 Dimensional US Targeted Value ETF DFAT $10.4B	$7.17M	2.34%	139,304 +3,678	+3%	+$189K
10	10 JPMorgan Ultra-Short Income ETF JPST $31B	$6.3M	2.06%	124,383 -9,171	-7%	-$464K
11	11 Schwab US Large- Cap ETF SCHX $54.6B	$6.11M	1.99%	276,630 -6,858	-2%	-$151K
12	12 Dimensional Emerging Markets Core Equity 2 ETF DFEM $5.29B	$6.1M	1.99%	230,507 +16,060	+7%	+$425K
13	13 JPMorgan Chase JPM $734B	$5.89M	1.92%	24,029 -284	-1%	-$69.7K
14	14 Vanguard FTSE Developed Markets ETF VEA $160B	$5.51M	1.8%	108,468 +5,399	+5%	+$274K
15	15 Dimensional US Marketwide Value ETF DFUV $11.2B	$5.33M	1.74%	129,346 +695	+0.5%	+$28.6K
16	16 Microsoft MSFT $3.42T	$5.33M	1.74%	14,186 -447	-3%	-$168K
17	17 Vanguard Large-Cap ETF VV $41.1B	$4.99M	1.63%	19,413 -51	-0.3%	-$13.1K
18	18 Tesla TSLA $1.12T	$4.97M	1.62%	19,192 -4,836	-20%	-$1.25M
19	19 Berkshire Hathaway Class B BRK.B $1.09T	$4.54M	1.48%	8,520 +233	+3%	+$124K
20	20 Dimensional US Real Estate ETF DFAR $1.33B	$4.53M	1.48%	190,767 +6,602	+4%	+$157K
21	21 iShares 1-5 Year Investment Grade Corporate Bond ETF IGSB $21.1B	$4.27M	1.39%	81,579 +3,927	+5%	+$206K
22	22 Vanguard S&P 500 ETF VOO $667B	$4.09M	1.34%	7,966 +177	+2%	+$91K
23	23 Vanguard Total International Stock ETF VXUS $93.3B	$4.03M	1.32%	64,912 -607	-0.9%	-$37.7K
24	24 Dimensional US Small Cap Value ETF DFSV $4.6B	$3.92M	1.28%	139,133 +24,442	+21%	+$688K
25	25 Vanguard Mid-Cap ETF VO $80.9B	$3.91M	1.28%	15,109 -74	-0.5%	-$19.1K