Gradient Capital Advisors, LLC Q1 2026 Filing

Filed April 16, 2026

Portfolio Value

$218.6B

Holdings

177

Report Date

Q1 2026

Filing Type

13F-HR

All Holdings (177 positions)

#	Stock	Shares	Value	% Portfolio
1	SPDWSTATE STREET SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF	315,068	$14.4B	6.58%
2	VCSHVANGUARD SHORT-TERM CORPORATE BOND ETF	176,181	$14.0B	6.39%
3	DFGPDIMENSIONAL GLOBAL CORE PLUS FIXED INCOME ETF	217,002	$11.7B	5.36%
4	DFSDDIMENSIONAL SHORT-DURATION FIXED INCOME ETF	233,695	$11.2B	5.12%
5	SCHFSCHWAB INTERNATIONAL EQUITY ETF	435,148	$10.8B	4.93%
6	SCHMSCHWAB U.S. MID-CAP ETF	309,690	$9.6B	4.39%
7	DFATDIMENSIONAL U.S. TARGETED VALUE ETF	138,540	$8.7B	3.96%
8	VTIPVANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF	161,880	$8.1B	3.70%
9	DFEMDIMENSIONAL EMERGING MARKETS CORE EQUITY 2 ETF	229,480	$7.9B	3.63%
10	VEAVANGUARD FTSE DEVELOPED MARKETS ETF	114,961	$7.4B	3.37%
11	DFSVDIMENSIONAL US SMALL CAP VALUE ETF	203,594	$7.1B	3.26%
12	SCHXSCHWAB U.S. LARGE-CAP ETF	261,172	$6.7B	3.06%
13	DFUVDIMENSIONAL US MARKETWIDE VALUE ETF	125,919	$6.1B	2.79%
14	JPSTJPMORGAN ULTRA-SHORT INCOME ETF	104,256	$5.3B	2.41%
15	DFARDIMENSIONAL US REAL ESTATE ETF	214,197	$5.1B	2.32%
16	DFAXDIMENSIONAL WORLD EX U.S. CORE EQUITY 2 ETF	143,898	$4.9B	2.24%
17	DFLVDIMENSIONAL US LARGE CAP VALUE ETF	128,656	$4.6B	2.10%
18	SCHDSCHWAB US DIVIDEND EQUITY ETF	149,003	$4.6B	2.09%
19	IGSBISHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF	85,562	$4.5B	2.06%
20	VXUSVANGUARD TOTAL INTERNATIONAL STOCK ETF	55,891	$4.3B	1.97%
21	VNQIVANGUARD GLOBAL EX-U.S. REAL ESTATE ETF	82,029	$3.6B	1.67%
22	DISVDIMENSIONAL INTERNATIONAL SMALL CAP VALUE ETF	91,295	$3.6B	1.65%
23	EMXCISHARES MSCI EMERGING MARKETS EX CHINA ETF	37,853	$3.0B	1.36%
24	GLDMSPDR GOLD MINISHARES TRUST OF BENEFICIAL INTEREST	25,883	$2.4B	1.10%
25	BILSSTATE STREET SPDR BLOOMBERG 3-12 MONTH T-BILL ETF	22,093	$2.2B	1.00%
26	AVDVAVANTIS INTERNATIONAL SMALL CAP VALUE ETF	21,489	$2.1B	0.98%
27	DFAEDIMENSIONAL EMERGING CORE EQUITY MARKET ETF	58,748	$2.0B	0.91%
28	WPCWP CAREY INC COM	27,925	$1.9B	0.87%
29	CSCOCISCO SYS INC COM	24,308	$1.9B	0.86%
30	SCHBSCHWAB U.S. BROAD MARKET ETF	69,550	$1.7B	0.80%
31	VNQVANGUARD REAL ESTATE ETF	19,131	$1.7B	0.78%
32	AVMCAVANTIS U.S. MID CAP EQUITY ETF	22,776	$1.6B	0.75%
33	SLVISHARES SILVER TRUST	23,899	$1.6B	0.74%
34	VEUVANGUARD FTSE ALL-WORLD EX-US INDEX FUND	20,839	$1.6B	0.72%
35	SCHASCHWAB U.S. SMALL-CAP ETF	44,481	$1.3B	0.59%
36	SCHVSCHWAB U.S. LARGE-CAP VALUE ETF	39,148	$1.2B	0.55%
37	BACBANK OF AMER CORP COM	21,697	$1.1B	0.48%
38	DFACDIMENSIONAL U.S. CORE EQUITY 2 ETF	25,524	$991.9M	0.45%
39	FEZSTATE STREET SPDR EURO STOXX 50 ETF	15,485	$961.3M	0.44%
40	XLFISTATE STREET CONSUMER STAPLES SELECT SECTOR SPDR ETF	11,055	$906.3M	0.41%
41	IBDXISHARES IBONDS DEC 2032 TERM CORPORATE ETF	34,329	$867.5M	0.40%
42	SCHHSCHWAB U.S. REIT ETF	39,881	$857.0M	0.39%
43	BSVVANGUARD SHORT-TERM BOND ETF	10,894	$854.2M	0.39%
44	IBDWISHARES IBONDS DEC 2031 TERM CORPORATE ETF	40,801	$854.0M	0.39%
45	DFICDIMENSIONAL INTERNATIONAL CORE EQUITY 2 ETF	22,962	$815.8M	0.37%
46	SCHZSCHWAB US AGGREGATE BOND ETF	29,746	$690.7M	0.32%
47	IBDVISHARES IBONDS DEC 2030 TERM CORPORATE ETF	29,999	$656.7M	0.30%
48	NFLXNETFLIX INC. COM	6,705	$644.7M	0.29%
49	VWOVANGUARD FTSE EMERGING MARKETS ETF	11,431	$617.8M	0.28%
50	DFAIDIMENSIONAL INTERNATIONAL CORE EQUITY MARKET ETF	15,599	$607.7M	0.28%
51	SPSBSTATE STREET SPDR PORTFOLIO SHORT TERM CORPORATE BOND ETF	19,432	$584.3M	0.27%
52	AQLTISHARES CORE MSCI EAFE ETF	6,372	$576.8M	0.26%
53	SCHPSCHWAB US TIPS ETF	20,703	$550.9M	0.25%
54	VUSBVANGUARD ULTRA-SHORT BOND ETF	10,875	$541.4M	0.25%
55	JMSTJPMORGAN ULTRA-SHORT MUNICIPAL INCOME ETF	10,120	$515.9M	0.24%
56	AGGISHARES CORE U.S. AGGREGATE BOND ETF	4,977	$494.1M	0.23%
57	IBDUISHARES IBONDS DEC 2029 TERM CORPORATE ETF	21,086	$490.5M	0.22%
58	WFCWELLS FARGO & CO COM	6,031	$480.2M	0.22%
59	SCHESCHWAB EMERGING MARKETS EQUITY ETF	14,400	$474.5M	0.22%
60	EFAISHARES MSCI EAFE ETF	4,885	$474.5M	0.22%
61	IBDZISHARES IBONDS DEC 2034 TERM CORPORATE ETF	17,986	$468.7M	0.21%
62	EWJVISHARES MSCI JAPAN VALUE ETF	10,341	$441.3M	0.20%
63	SPLVINVESCO S&P 500 LOW VOLATILITY ETF	5,947	$435.0M	0.20%
64	IBDYISHARES IBONDS DEC 2033 TERM CORPORATE ETF	16,333	$422.2M	0.19%
65	DTDWISDOMTREE U.S. TOTAL DIVIDEND FUND	4,815	$415.8M	0.19%
66	BSMVINVESCO BULLETSHARES 2031 MUNICIPAL BOND ETF	19,704	$411.4M	0.19%
67	INTCINTEL CORP COM	9,301	$410.4M	0.19%
68	DFUSDIMENSIONAL U.S. EQUITY MARKET ETF	5,364	$380.4M	0.17%
69	FEOEFIRST EAGLE OVERSEAS EQUITY ETF	7,360	$371.4M	0.17%
70	IJHISHARES CORE S&P MID-CAP ETF	5,460	$368.7M	0.17%
71	SPTMSTATE STREET SPDR PORTFOLIO S&P 1500 COMPOSITE STOCK MARKET ETF	4,615	$364.9M	0.17%
72	SBUXSTARBUCKS CORP COM	3,964	$355.2M	0.16%
73	XLFSTATE STREET FINANCIAL SELECT SECTOR SPDR ETF	6,895	$340.4M	0.16%
74	XLESTATE STREET ENERGY SELECT SECTOR SPDR ETF	5,534	$339.0M	0.16%
75	IBDSISHARES IBONDS DEC 2027 TERM CORPORATE ETF	13,020	$315.6M	0.14%
76	AVLVAVANTIS U.S. LARGE CAP VALUE ETF	3,892	$313.7M	0.14%
77	GHYPGIM GLOBAL HIGH YIELD FD FORM COM	25,764	$300.2M	0.14%
78	IBDRISHARES IBONDS DEC 2026 TERM CORPORATE ETF	12,312	$298.4M	0.14%
79	PFEPFIZER INC COM	10,356	$290.8M	0.13%
80	DISDISNEY WALT CO COM	2,964	$285.7M	0.13%
81	XLUSTATE STREET UTILITIES SELECT SECTOR SPDR ETF	6,096	$279.7M	0.13%
82	SCHOSCHWAB SHORT-TERM US TREASURY ETF	11,373	$276.0M	0.13%
83	CFGCITIZENS FINL GROUP INC COM	4,575	$274.4M	0.13%
84	DGCBDIMENSIONAL GLOBAL CREDIT ETF	4,961	$268.6M	0.12%
85	DFCADIMENSIONAL CALIFORNIA MUNICIPAL BOND ETF	5,386	$268.5M	0.12%
86	SJNKSTATE STREET SPDR BLOOMBERG SHORT TERM HIGH YIELD BOND ETF	10,460	$261.3M	0.12%
87	ICFISHARES SELECT U.S. REIT ETF	4,120	$255.0M	0.12%
88	IBDTISHARES IBONDS DEC 2028 TERM CORPORATE ETF	9,532	$241.4M	0.11%
89	VYMIVANGUARD INTERNATIONAL HIGH DIVIDEND YIELD ETF	2,558	$241.1M	0.11%
90	LVLNSTATE STREET SPDR S&P REGIONAL BANKING ETF	3,680	$239.7M	0.11%
91	DFAUDIMENSIONAL US CORE EQUITY MARKET ETF	5,023	$226.6M	0.10%
92	IGIBISHARES 5-10 YEAR INVESTMENT GRADE CORPORATE BOND ETF	4,141	$220.4M	0.10%
93	BUFRFT VEST LADDERED BUFFER ETF	6,382	$215.5M	0.10%
94	SOSOUTHERN CO COM	2,164	$208.9M	0.10%
95	VCITVANGUARD INTERMEDIATE-TERM CORPORATE BOND ETF	2,477	$204.9M	0.09%
96	BSMUINVESCO BULLETSHARES 2030 MUNICIPAL BOND ETF	9,381	$204.6M	0.09%
97	JSCPJPMORGAN SHORT DURATION CORE PLUS ETF	4,295	$203.2M	0.09%
98	OFIXORTHOFIX MED INC COM	10,004	$114.7M	0.05%
99	IVVISHARES CORE S&P 500 ETF	52,890	$34.5M	0.02%
100	HYFTMINDWALK HOLDINGS CORP COM	26,551	$30.0M	0.01%

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