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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
IVV icon
1
iShares Core S&P 500 ETF
IVV
$886B
$35.1M 9.42%
52,496
+248
+0.5% +$160K
AAPL icon
2
Apple
AAPL
$4.87T
$18.7M 5.02%
73,530
-437
-0.6% -$98.7K
SPDW icon
3
State Street SPDR Portfolio Developed World ex-US ETF
SPDW
$39.7B
$14.3M 3.84%
334,841
-1,781
-0.5% -$73.8K
VCSH icon
4
Vanguard Short-Term Corporate Bond ETF
VCSH
$44.8B
$12.8M 3.43%
160,084
+13,744
+9% +$1.09M
DFSD
5
Dimensional Short-Duration Fixed Income ETF
DFSD
$7.1B
$10.7M 2.87%
222,452
+18,281
+9% +$880K
SCHF icon
6
Schwab International Equity ETF
SCHF
$65.7B
$10.6M 2.83%
454,186
-12,266
-3% -$277K
SCHM icon
7
Schwab US Mid-Cap ETF
SCHM
$14.7B
$9.53M 2.55%
321,516
-8,099
-2% -$236K
VV icon
8
Vanguard Large-Cap ETF
VV
$52.5B
$8.31M 2.23%
26,998
-4,560
-14% -$1.35M
DFAT icon
9
Dimensional US Targeted Value ETF
DFAT
$14.5B
$8.17M 2.19%
140,382
+29
+0% +$1.65K
VTIP icon
10
Vanguard Short-Term Inflation-Protected Securities Index Fund
VTIP
$19.1B
$7.82M 2.1%
154,502
+14,433
+10% +$726K
MSFT icon
11
Microsoft
MSFT
$2.91T
$7.62M 2.04%
14,715
+302
+2% +$154K
JPM icon
12
JPMorgan Chase
JPM
$914B
$7.56M 2.03%
23,978
-296
-1% -$88K
SCHX icon
13
Schwab US Large- Cap ETF
SCHX
$71.8B
$7.37M 1.98%
279,777
-2,673
-0.9% -$67.9K
DFEM icon
14
Dimensional Emerging Markets Core Equity 2 ETF
DFEM
$8.81B
$7.29M 1.96%
227,460
-3,002
-1% -$92.7K
TSLA icon
15
Tesla
TSLA
$1.44T
$7.17M 1.92%
16,120
-1,627
-9% -$564K
VEA icon
16
Vanguard FTSE Developed Markets ETF
VEA
$226B
$6.45M 1.73%
107,607
-60
-0.1% -$3.5K
JPST icon
17
JPMorgan Ultra-Short Income ETF
JPST
$40B
$6.41M 1.72%
126,281
+2,681
+2% +$136K
NVDA icon
18
NVIDIA
NVDA
$4.99T
$6.31M 1.69%
33,809
+6,099
+22% +$1.06M
DFUV icon
19
Dimensional US Marketwide Value ETF
DFUV
$15.3B
$5.93M 1.59%
132,726
-887
-0.7% -$38.6K
DFSV
20
Dimensional US Small Cap Value ETF
DFSV
$8.13B
$5.74M 1.54%
180,376
+7,944
+5% +$248K
GOOGL icon
21
Alphabet (Google) Class A
GOOGL
$4.32T
$5.55M 1.49%
22,825
+621
+3% +$130K
META icon
22
Meta Platforms (Facebook)
META
$1.63T
$4.95M 1.33%
6,746
+502
+8% +$374K
DFAR icon
23
Dimensional US Real Estate ETF
DFAR
$1.8B
$4.84M 1.3%
203,008
+5,303
+3% +$125K
BRK.B icon
24
Berkshire Hathaway Class B
BRK.B
$1.06T
$4.74M 1.27%
9,422
+36
+0.4% +$17.4K
DFGP icon
25
Dimensional Global Core Plus Fixed Income ETF
DFGP
$3.35B
$4.7M 1.26%
84,557
+71,733
+559% +$3.94M
1
2 3 4 5

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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.