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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
+3.03%
1 Year Est. Return
+27.29%
3 Year Est. Return
+71.05%
5 Year Est. Return
+80.61%
10 Year Est. Return
–
AUM
$388M
AUM Growth
+$14.9M
Cap. Flow
+$5.02M
Cap. Flow %
1.29%
Top 10 Hldgs %
36.02%
Holding
177
New
10
Increased
53
Reduced
84
Closed
3

Top Buys

Rank Stock Value
1
DFGP icon
Dimensional Global Core Plus Fixed Income ETF
DFGP
+$4.39M
2
SGOV icon
iShares 0-3 Month Treasury Bond ETF
SGOV
+$970K
3
VCSH icon
Vanguard Short-Term Corporate Bond ETF
VCSH
+$945K
4
BNY
Bank of New York Mellon
BNY
+$817K
5
DFSV
Dimensional US Small Cap Value ETF
DFSV
+$555K

Top Sells

Rank Stock Value
1
JPST icon
JPMorgan Ultra-Short Income ETF
JPST
+$758K
2
SPDW icon
State Street SPDR Portfolio Developed World ex-US ETF
SPDW
+$561K
3
AMD icon
Advanced Micro Devices
AMD
+$543K
4
VV icon
Vanguard Large-Cap ETF
VV
+$523K
5
TSLA icon
Tesla
TSLA
+$394K

Sector Composition

Rank Sector Weight
1 Technology 12.96%
2 Financials 4.75%
3 Communication Services 3.56%
4 Consumer Discretionary 2.83%
5 Healthcare 0.97%
Name Market Value Portfolio Weight Shares or Principal Change
in Stake 		Capital Flow
IVV icon
1
iShares Core S&P 500 ETF
IVV
$881B
$35.7M 9.2%
52,144
-352
-0.7% -$239K
AAPL icon
2
Apple
AAPL
$4.9T
$19.8M 5.1%
72,766
-764
-1% -$205K
SPDW icon
3
State Street SPDR Portfolio Developed World ex-US ETF
SPDW
$39.6B
$14.3M 3.69%
321,999
-12,842
-4% -$561K
VCSH icon
4
Vanguard Short-Term Corporate Bond ETF
VCSH
$44.8B
$13.7M 3.53%
171,922
+11,838
+7% +$945K
SCHF icon
5
Schwab International Equity ETF
SCHF
$65.5B
$10.8M 2.78%
448,349
-5,837
-1% -$139K
DFSD
6
Dimensional Short-Duration Fixed Income ETF
DFSD
$7B
$10.8M 2.77%
224,458
+2,006
+0.9% +$96.7K
SCHM icon
7
Schwab US Mid-Cap ETF
SCHM
$14.6B
$9.5M 2.45%
315,981
-5,535
-2% -$165K
DFGP icon
8
Dimensional Global Core Plus Fixed Income ETF
DFGP
$2.64B
$8.89M 2.29%
164,336
+79,779
+94% +$4.39M
DFAT icon
9
Dimensional US Targeted Value ETF
DFAT
$14.5B
$8.37M 2.16%
140,565
+183
+0.1% +$10.7K
VV icon
10
Vanguard Large-Cap ETF
VV
$52.2B
$7.97M 2.05%
25,323
-1,675
-6% -$523K
DFEM icon
11
Dimensional Emerging Markets Core Equity 2 ETF
DFEM
$8.76B
$7.62M 1.96%
230,304
+2,844
+1% +$92.9K
VTIP icon
12
Vanguard Short-Term Inflation-Protected Securities Index Fund
VTIP
$19.1B
$7.59M 1.96%
153,383
-1,119
-0.7% -$56K
GOOGL icon
13
Alphabet (Google) Class A
GOOGL
$4.23T
$7.55M 1.94%
24,108
+1,283
+6% +$367K
JPM icon
14
JPMorgan Chase
JPM
$907B
$7.45M 1.92%
23,124
-854
-4% -$264K
SCHX icon
15
Schwab US Large- Cap ETF
SCHX
$71.7B
$7.15M 1.84%
265,860
-13,917
-5% -$372K
VEA icon
16
Vanguard FTSE Developed Markets ETF
VEA
$226B
$7.07M 1.82%
113,158
+5,551
+5% +$340K
MSFT icon
17
Microsoft
MSFT
$2.93T
$7M 1.8%
14,470
-245
-2% -$123K
TSLA icon
18
Tesla
TSLA
$1.43T
$6.85M 1.77%
15,231
-889
-6% -$394K
DFSV
19
Dimensional US Small Cap Value ETF
DFSV
$8.11B
$6.5M 1.68%
197,631
+17,255
+10% +$555K
NVDA icon
20
NVIDIA
NVDA
$4.91T
$6.08M 1.57%
32,614
-1,195
-4% -$222K
DFUV icon
21
Dimensional US Marketwide Value ETF
DFUV
$15.2B
$6.08M 1.57%
130,449
-2,277
-2% -$103K
JPST icon
22
JPMorgan Ultra-Short Income ETF
JPST
$40B
$5.63M 1.45%
111,329
-14,952
-12% -$758K
BRK.B icon
23
Berkshire Hathaway Class B
BRK.B
$1.06T
$4.78M 1.23%
9,512
+90
+1% +$44.8K
DFAR icon
24
Dimensional US Real Estate ETF
DFAR
$1.79B
$4.72M 1.22%
206,004
+2,996
+1% +$70.2K
DFAX icon
25
Dimensional World ex US Core Equity 2 ETF
DFAX
$11.7B
$4.67M 1.2%
142,641
+1,176
+0.8% +$37.5K
1
2 3 4 5

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Gradient Capital Advisors's Q4 2025 Portfolio in Review

As of Q4 2025, Gradient Capital Advisors held 177 positions worth $388M, up 4% from $373M the previous quarter. Its ten largest holdings account for 36% of the portfolio.

Gradient Capital Advisors's Q4 2025 filing shows 10 new, 53 increased, 84 reduced and 3 closed positions. Its largest new stake was iShares 0-3 Month Treasury Bond ETF: 9,653 shares worth $969K. The largest sale was JPMorgan Ultra-Short Income ETF, an estimated $758K.

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

  • Gradient Capital Advisors's largest Q4 2025 buy was iShares 0-3 Month Treasury Bond ETF: 9,653 shares worth $969K.
  • Gradient Capital Advisors added most to Dimensional Global Core Plus Fixed Income ETF in Q4 2025, an estimated $4.39M increase.
  • Gradient Capital Advisors's biggest Q4 2025 reduction was JPMorgan Ultra-Short Income ETF, cutting an estimated $758K.
  • Gradient Capital Advisors fully exited iShares U.S. Power Infrastructure ETF in Q4 2025, selling an estimated $328K.
  • Gradient Capital Advisors's ten largest holdings make up 36% of its $388M portfolio in Q4 2025.
  • Gradient Capital Advisors opened 10 new positions and closed 3 in Q4 2025.
  • Gradient Capital Advisors's portfolio value rose 4% quarter-over-quarter to $388M.

Based on Gradient Capital Advisors's 13F filing for Q4 2025, filed 6 Feb 2026.