Gradient Capital Advisors, LLC
•CIK: 1727917•Filing: Q4 2025
**Gradient Capital Advisors, LLC** manages $388M across a diversified portfolio of 174 positions. The firm maintains significant exposure to core market indices and technology leaders, evidenced by top holdings including IVV at $35.7M and AAPL at $19.8M. Notable allocations also include $14.3M in SPDW and $13.7M in VCSH, suggesting a tactical focus across broad market segments. This structure indicates a disciplined, large-cap oriented approach to capital deployment.
Total AUM
$388.0M
QoQ Performance
+4.0%
Positions
174
Top 10 Concentration
36.0%
Latest Filing
Q4 2025
Top Holdings Allocation
IVV
AAPL
IVV9.2%
AAPL5.1%
SPDW3.7%
VCSH3.5%
SCHF2.8%
DFSD2.8%
SCHM2.4%
DFGP2.3%
📈 Biggest Buys
DFGP
DIMENSIONAL GLOBAL CORE PLUS FIXED INCOME ETF
+94.3%
2.3% of portfolio
SGOV
ISHARES 0-3 MONTH TREASURY BOND ETF
NEW
0.2% of portfolio
VCSH
VANGUARD SHORT-TERM CORPORATE BOND ETF
+7.4%
3.5% of portfolio
BK
BANK NEW YORK MELLON CORP COM
+123.8%
0.4% of portfolio
DFSV
DIMENSIONAL US SMALL CAP VALUE ETF
+9.6%
1.7% of portfolio
📉 Biggest Sells
Sector Breakdown
Other65.0%
Technology15.6%
ETF10.5%
Financial4.1%
Consumer3.0%
Healthcare0.8%
Industrial0.6%
Communication0.2%
🚪 Exited Positionssold since Q3 2025
Changes from Q3 2025
NEW10 new positions
↑57 increased
↓81 decreased
Historical Filings
Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023