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GCA

Gradient Capital Advisors Portfolio holdings

AUM $432M
1-Year Est. Return 27.29%
This Fund
S&P 500
This Quarter Est. Return
+8.41%
1 Year Est. Return
+27.29%
3 Year Est. Return
+71.05%
5 Year Est. Return
+80.61%
10 Year Est. Return
–
AUM
$373M
AUM Growth
+$34.6M
Cap. Flow
+$8.02M
Cap. Flow %
2.15%
Top 10 Hldgs %
36.48%
Holding
171
New
9
Increased
67
Reduced
57
Closed
4

Top Buys

Rank Stock Value
1
DFGP icon
Dimensional Global Core Plus Fixed Income ETF
DFGP
+$3.94M
2
VCSH icon
Vanguard Short-Term Corporate Bond ETF
VCSH
+$1.09M
3
NVDA icon
NVIDIA
NVDA
+$1.06M
4
DFSD
Dimensional Short-Duration Fixed Income ETF
DFSD
+$880K
5
VTIP icon
Vanguard Short-Term Inflation-Protected Securities Index Fund
VTIP
+$726K

Top Sells

Rank Stock Value
1
VV icon
Vanguard Large-Cap ETF
VV
+$1.35M
2
SHYM
iShares Short Duration High Yield Muni Active ETF
SHYM
+$773K
3
TSLA icon
Tesla
TSLA
+$564K
4
VOO icon
Vanguard S&P 500 ETF
VOO
+$298K
5
SCHF icon
Schwab International Equity ETF
SCHF
+$277K

Sector Composition

Rank Sector Weight
1 Technology 12.98%
2 Financials 4.6%
3 Communication Services 3.32%
4 Consumer Discretionary 2.97%
5 Healthcare 0.83%
Name Market Value Portfolio Weight Shares or Principal Change
in Stake 		Capital Flow
IBDX icon
76
iShares iBonds Dec 2032 Term Corporate ETF
IBDX
$1.7B
$836K 0.22%
32,637
+89
+0.3% +$2.26K
IBDW icon
77
iShares iBonds Dec 2031 Term Corporate ETF
IBDW
$2.48B
$836K 0.22%
39,388
– –
VWO icon
78
Vanguard FTSE Emerging Markets ETF
VWO
$119B
$829K 0.22%
15,294
-2,476
-14% -$128K
NFLX icon
79
Netflix
NFLX
$292B
$803K 0.22%
6,700
+110
+2% +$13.4K
VYM icon
80
Vanguard High Dividend Yield ETF
VYM
$81.1B
$757K 0.2%
5,372
-280
-5% -$38.5K
DFIC icon
81
Dimensional International Core Equity 2 ETF
DFIC
$14.5B
$753K 0.2%
22,962
– –
IJR icon
82
iShares Core S&P Small-Cap ETF
IJR
$109B
$752K 0.2%
6,327
+2
+0% +$230
BX icon
83
Blackstone
BX
$104B
$750K 0.2%
4,390
+7
+0.2% +$1.2K
SCHZ icon
84
Schwab US Aggregate Bond ETF
SCHZ
$10.5B
$731K 0.2%
31,134
-2,587
-8% -$60.1K
BSV icon
85
Vanguard Short-Term Bond ETF
BSV
$44.6B
$730K 0.2%
9,255
-708
-7% -$55.7K
VHT icon
86
Vanguard Health Care ETF
VHT
$18.2B
$698K 0.19%
2,688
-107
-4% -$26.8K
GOOG icon
87
Alphabet (Google) Class C
GOOG
$3.9T
$686K 0.18%
2,818
-21
-0.7% -$4.41K
IBDV icon
88
iShares iBonds Dec 2030 Term Corporate ETF
IBDV
$3.25B
$652K 0.17%
29,435
– –
BNY
89
Bank of New York Mellon
BNY
$108B
$650K 0.17%
+5,961
New +$608K
IVW icon
90
iShares S&P 500 Growth ETF
IVW
$72.5B
$646K 0.17%
5,352
– –
SPY icon
91
State Street SPDR S&P 500 ETF Trust
SPY
$778B
$642K 0.17%
964
– –
VUSB icon
92
Vanguard Ultra-Short Bond ETF
VUSB
$8.93B
$611K 0.16%
12,216
-215
-2% -$10.7K
SPSB icon
93
State Street SPDR Portfolio Short Term Corporate Bond ETF
SPSB
$10.4B
$603K 0.16%
19,923
+109
+0.6% +$3.29K
DFAI
94
Dimensional International Core Equity Market ETF
DFAI
$17.1B
$573K 0.15%
15,771
-112
-0.7% -$3.96K
IBM icon
95
IBM
IBM
$202B
$565K 0.15%
2,004
+56
+3% +$14.7K
SCHP icon
96
Schwab US TIPS ETF
SCHP
$16.3B
$561K 0.15%
20,818
-1,475
-7% -$39.5K
IEFA icon
97
iShares Core MSCI EAFE ETF
IEFA
$186B
$554K 0.15%
6,342
– –
LQD icon
98
iShares iBoxx $ Investment Grade Corporate Bond ETF
LQD
$34.7B
$551K 0.15%
4,947
-36
-0.7% -$3.96K
JMST icon
99
JPMorgan Ultra-Short Municipal Income ETF
JMST
$7.11B
$550K 0.15%
10,767
– –
CAT icon
100
Caterpillar
CAT
$409B
$537K 0.14%
1,125
-8
-0.7% -$3.42K
2 3
4
5 6

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Gradient Capital Advisors's Q3 2025 Portfolio in Review

As of Q3 2025, Gradient Capital Advisors held 171 positions worth $373M, up 10% from $339M the previous quarter. Its ten largest holdings account for 36% of the portfolio.

Gradient Capital Advisors's Q3 2025 filing shows 9 new, 67 increased, 57 reduced and 4 closed positions. Its largest new stake was Bank of New York Mellon: 5,961 shares worth $650K. The largest sale was Vanguard Large-Cap ETF, an estimated $1.35M.

By sector, the portfolio is most concentrated in Technology at 13% of assets, up from 12% a quarter earlier, followed by Financials and Communication Services.

  • Gradient Capital Advisors's largest Q3 2025 buy was Bank of New York Mellon: 5,961 shares worth $650K.
  • Gradient Capital Advisors added most to Dimensional Global Core Plus Fixed Income ETF in Q3 2025, an estimated $3.94M increase.
  • Gradient Capital Advisors's biggest Q3 2025 reduction was Vanguard Large-Cap ETF, cutting an estimated $1.35M.
  • Gradient Capital Advisors fully exited iShares Short Duration High Yield Muni Active ETF in Q3 2025, selling an estimated $773K.
  • Gradient Capital Advisors's ten largest holdings make up 36% of its $373M portfolio in Q3 2025.
  • Gradient Capital Advisors opened 9 new positions and closed 4 in Q3 2025.
  • Gradient Capital Advisors's portfolio value rose 10% quarter-over-quarter to $373M.

Based on Gradient Capital Advisors's 13F filing for Q3 2025, filed 27 Oct 2025.