Gradient Capital Advisors, LLC Q1 2025 Filing

Filed May 5, 2025

Portfolio Value

$306.4B

Holdings

155

Report Date

Q1 2025

Filing Type

13F-HR

All Holdings (155 positions)

#	Stock	Shares	Value	% Portfolio
1	IVVISHARES CORE S&P 500 ETF	51,630	$29.0B	9.47%
2	AAPLAPPLE INC COM	76,347	$17.0B	5.53%
3	SPDWSPDR PORTFOLIO DEVELOPED WORLD EX-US ETF	347,539	$12.7B	4.13%
4	VCSHVANGUARD SHORT-TERM CORPORATE BOND ETF	157,454	$12.4B	4.06%
5	DFSDDIMENSIONAL SHORT-DURATION FIXED INCOME ETF	207,597	$9.9B	3.22%
6	SCHFSCHWAB INTERNATIONAL EQUITY ETF	478,404	$9.5B	3.09%
7	SCHMSCHWAB U.S. MID-CAP ETF	316,415	$8.3B	2.71%
8	VTIPVANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF	151,012	$7.5B	2.46%
9	DFATDIMENSIONAL U.S. TARGETED VALUE ETF	139,304	$7.2B	2.34%
10	JPSTJPMORGAN ULTRA-SHORT INCOME ETF	124,383	$6.3B	2.06%
11	SCHXSCHWAB U.S. LARGE-CAP ETF	276,630	$6.1B	1.99%
12	DFEMDIMENSIONAL EMERGING MARKETS CORE EQUITY 2 ETF	230,507	$6.1B	1.99%
13	JPMJPMORGAN CHASE & CO. COM	24,029	$5.9B	1.92%
14	VEAVANGUARD FTSE DEVELOPED MARKETS ETF	108,468	$5.5B	1.80%
15	DFUVDIMENSIONAL US MARKETWIDE VALUE ETF	129,346	$5.3B	1.74%
16	MSFTMICROSOFT CORP COM	14,186	$5.3B	1.74%
17	VVVANGUARD LARGE-CAP ETF	19,413	$5.0B	1.63%
18	TSLATESLA INC COM	19,192	$5.0B	1.62%
19	BRK/BBERKSHIRE HATHAWAY INC DEL CL B NEW	8,520	$4.5B	1.48%
20	DFARDIMENSIONAL US REAL ESTATE ETF	190,767	$4.5B	1.48%
21	IGSBISHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF	81,579	$4.3B	1.39%
22	VOOVANGUARD S&P 500 ETF	7,966	$4.1B	1.34%
23	VXUSVANGUARD TOTAL INTERNATIONAL STOCK ETF	64,912	$4.0B	1.32%
24	DFSVDIMENSIONAL US SMALL CAP VALUE ETF	139,133	$3.9B	1.28%
25	VOVANGUARD MID-CAP ETF	15,109	$3.9B	1.28%
26	SCHDSCHWAB US DIVIDEND EQUITY ETF	135,954	$3.8B	1.24%
27	METAMETA PLATFORMS INC CL A	6,114	$3.5B	1.15%
28	DFAXDIMENSIONAL WORLD EX U.S. CORE EQUITY 2 ETF	132,400	$3.5B	1.13%
29	GOOGLALPHABET INC CAP STK CL A	21,907	$3.4B	1.11%
30	VUGVANGUARD GROWTH ETF	9,089	$3.4B	1.10%
31	VNQIVANGUARD GLOBAL EX-U.S. REAL ESTATE ETF	75,537	$3.1B	1.00%
32	VBVANGUARD SMALL-CAP ETF	13,239	$2.9B	0.96%
33	NVDANVIDIA CORPORATION COM	26,990	$2.9B	0.95%
34	DFLVDIMENSIONAL US LARGE CAP VALUE ETF	94,786	$2.9B	0.95%
35	DISVDIMENSIONAL INTERNATIONAL SMALL CAP VALUE ETF	94,908	$2.8B	0.90%
36	GQ9SPDR GOLD SHARES	9,001	$2.6B	0.85%
37	VBRVANGUARD SMALL CAP VALUE ETF	12,165	$2.3B	0.74%
38	GLDMSPDR GOLD MINISHARES TRUST OF BENEFICIAL INTEREST	31,771	$2.0B	0.64%
39	VTVVANGUARD VALUE ETF	11,141	$1.9B	0.63%
40	DFAEDIMENSIONAL EMERGING CORE EQUITY MARKET ETF	72,965	$1.9B	0.62%
41	WPCWP CAREY INC COM	29,261	$1.8B	0.60%
42	AMZNAMAZON COM INC COM	9,426	$1.8B	0.59%
43	AVDVAVANTIS INTERNATIONAL SMALL CAP VALUE ETF	24,032	$1.7B	0.55%
44	SCHBSCHWAB U.S. BROAD MARKET ETF	77,430	$1.7B	0.54%
45	CVXCHEVRON CORP NEW COM	9,888	$1.7B	0.54%
46	AVGOBROADCOM INC COM	9,700	$1.6B	0.53%
47	VNQVANGUARD REAL ESTATE ETF	17,625	$1.6B	0.52%
48	LRCXLAM RESEARCH CORP COM NEW	21,574	$1.6B	0.51%
49	IWMISHARES RUSSELL 2000 ETF	7,446	$1.5B	0.48%
50	BILSSPDR BLOOMBERG 3-12 MONTH T-BILL ETF	14,604	$1.5B	0.47%
51	QCOMQUALCOMM INC COM	8,382	$1.3B	0.42%
52	VEUVANGUARD FTSE ALL-WORLD EX-US INDEX FUND	19,893	$1.2B	0.39%
53	SCHVSCHWAB U.S. LARGE-CAP VALUE ETF	45,163	$1.2B	0.39%
54	CSCOCISCO SYS INC COM	17,643	$1.1B	0.36%
55	VTIVANGUARD TOTAL STOCK MARKET ETF	3,959	$1.1B	0.36%
56	VIGVANGUARD DIVIDEND APPRECIATION ETF	5,532	$1.1B	0.35%
57	AVUVAVANTIS U.S. SMALL CAP VALUE ETF	11,241	$979.9M	0.32%
58	BACBANK AMERICA CORP COM	23,262	$970.7M	0.32%
59	AMDADVANCED MICRO DEVICES INC COM	9,388	$964.5M	0.31%
60	AMGNAMGEN INC COM	3,094	$964.0M	0.31%
61	SCHASCHWAB U.S. SMALL-CAP ETF	40,113	$939.8M	0.31%
62	SCHHSCHWAB U.S. REIT ETF	43,308	$931.6M	0.30%
63	JNJJOHNSON & JOHNSON COM	5,616	$931.4M	0.30%
64	XLFICONSUMER STAPLES SELECT SECTOR SPDR FUND	11,197	$914.4M	0.30%
65	VVISA INC COM CL A	2,592	$908.4M	0.30%
66	HDHOME DEPOT INC COM	2,369	$868.4M	0.28%
67	TSMTAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS	5,087	$844.4M	0.28%
68	BSVVANGUARD SHORT-TERM BOND ETF	10,761	$842.4M	0.27%
69	LMTLOCKHEED MARTIN CORP COM	1,848	$825.5M	0.27%
70	SCHZSCHWAB US AGGREGATE BOND ETF	35,488	$821.9M	0.27%
71	IBDWISHARES IBONDS DEC 2031 TERM CORPORATE ETF	39,388	$817.3M	0.27%
72	IBDXISHARES IBONDS DEC 2032 TERM CORPORATE ETF	32,541	$813.2M	0.27%
73	FEZSPDR EURO STOXX 50 ETF	14,835	$807.2M	0.26%
74	VHTVANGUARD HEALTH CARE ETF	3,029	$801.8M	0.26%
75	DFACDIMENSIONAL U.S. CORE EQUITY 2 ETF	23,357	$770.6M	0.25%
76	VWOVANGUARD FTSE EMERGING MARKETS ETF	16,925	$766.0M	0.25%
77	VYMVANGUARD HIGH DIVIDEND YIELD INDEX ETF	5,875	$757.6M	0.25%
78	VUSBVANGUARD ULTRA-SHORT BOND ETF	13,816	$688.8M	0.22%
79	IJRISHARES CORE S&P SMALL CAP ETF	6,404	$669.6M	0.22%
80	IBDVISHARES IBONDS DEC 2030 TERM CORPORATE ETF	29,435	$639.3M	0.21%
81	DFICDIMENSIONAL INTERNATIONAL CORE EQUITY 2 ETF	22,962	$637.7M	0.21%
82	NFLXNETFLIX INC COM	657	$612.7M	0.20%
83	BXBLACKSTONE INC COM	4,383	$612.7M	0.20%
84	SPSBSPDR PORTFOLIO SHORT TERM CORPORATE BOND ETF	20,311	$611.4M	0.20%
85	SCHPSCHWAB US TIPS ETF	22,293	$599.5M	0.20%
86	JMSTJPMORGAN ULTRA-SHORT MUNICIPAL INCOME ETF	11,064	$562.6M	0.18%
87	LQDISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF	5,048	$548.6M	0.18%
88	SPYSPDR S&P 500 ETF TRUST	976	$546.1M	0.18%
89	AVMCAVANTIS U.S. MID CAP EQUITY ETF	8,594	$532.7M	0.17%
90	COSTCOSTCO WHSL CORP NEW COM	563	$532.2M	0.17%
91	AGGISHARES CORE U.S. AGGREGATE BOND ETF	5,239	$518.2M	0.17%
92	NDQINVESCO QQQ TRUST SERIES I	1,096	$514.1M	0.17%
93	IVWISHARES S&P 500 GROWTH ETF	5,352	$496.8M	0.16%
94	DFAIDIMENSIONAL INTERNATIONAL CORE EQUITY MARKET ETF	15,883	$496.0M	0.16%
95	IVEISHARES S&P 500 VALUE ETF	2,590	$493.6M	0.16%
96	AQLTISHARES CORE MSCI EAFE ETF	6,458	$488.5M	0.16%
97	IBDUISHARES IBONDS DEC 2029 TERM CORPORATE ETF	21,086	$487.7M	0.16%
98	IBMINTERNATIONAL BUSINESS MACHS COM	1,901	$472.6M	0.15%
99	XOMEXXON MOBIL CORP COM	3,868	$460.0M	0.15%
100	SPLVINVESCO S&P 500 LOW VOLATILITY ETF	5,958	$445.2M	0.15%

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