Gradient Capital Advisors, LLC Q2 2025 Filing

Filed July 16, 2025

Portfolio Value

$338.5B

Holdings

162

Report Date

Q2 2025

Filing Type

13F-HR

All Holdings (162 positions)

#	Stock	Shares	Value	% Portfolio
1	IVVISHARES CORE S&P 500 ETF	52,248	$32.4B	9.58%
2	AAPLAPPLE INC COM	73,967	$15.2B	4.48%
3	SPDWSPDR PORTFOLIO DEVELOPED WORLD EX-US ETF	336,622	$13.6B	4.03%
4	VCSHVANGUARD SHORT-TERM CORPORATE BOND ETF	146,340	$11.6B	3.44%
5	SCHFSCHWAB INTERNATIONAL EQUITY ETF	466,452	$10.3B	3.05%
6	DFSDDIMENSIONAL SHORT-DURATION FIXED INCOME ETF	204,171	$9.8B	2.90%
7	SCHMSCHWAB U.S. MID-CAP ETF	329,615	$9.2B	2.73%
8	VVVANGUARD LARGE-CAP ETF	31,558	$9.0B	2.66%
9	DFATDIMENSIONAL U.S. TARGETED VALUE ETF	140,353	$7.6B	2.24%
10	MSFTMICROSOFT CORP COM	14,413	$7.2B	2.12%
11	VTIPVANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF	140,069	$7.0B	2.08%
12	JPMJPMORGAN CHASE & CO. COM	24,274	$7.0B	2.08%
13	SCHXSCHWAB U.S. LARGE-CAP ETF	282,450	$6.9B	2.04%
14	DFEMDIMENSIONAL EMERGING MARKETS CORE EQUITY 2 ETF	230,462	$6.8B	2.02%
15	JPSTJPMORGAN ULTRA-SHORT INCOME ETF	123,600	$6.3B	1.85%
16	VEAVANGUARD FTSE DEVELOPED MARKETS ETF	107,667	$6.1B	1.81%
17	DFUVDIMENSIONAL US MARKETWIDE VALUE ETF	133,613	$5.6B	1.67%
18	TSLATESLA INC COM	17,747	$5.6B	1.67%
19	DFSVDIMENSIONAL US SMALL CAP VALUE ETF	172,432	$5.1B	1.50%
20	DFARDIMENSIONAL US REAL ESTATE ETF	197,705	$4.6B	1.37%
21	METAMETA PLATFORMS INC CL A	6,244	$4.6B	1.36%
22	BRK/BBERKSHIRE HATHAWAY INC DEL CL B NEW	9,386	$4.6B	1.35%
23	VOOVANGUARD S&P 500 ETF	7,961	$4.5B	1.34%
24	NVDANVIDIA CORPORATION COM	27,710	$4.4B	1.29%
25	VXUSVANGUARD TOTAL INTERNATIONAL STOCK ETF	62,437	$4.3B	1.27%
26	VOVANGUARD MID-CAP ETF	15,120	$4.2B	1.25%
27	VUGVANGUARD GROWTH ETF	9,596	$4.2B	1.24%
28	DFAXDIMENSIONAL WORLD EX U.S. CORE EQUITY 2 ETF	133,749	$3.9B	1.16%
29	GOOGLALPHABET INC CAP STK CL A	22,204	$3.9B	1.16%
30	IGSBISHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF	72,664	$3.8B	1.13%
31	SCHDSCHWAB US DIVIDEND EQUITY ETF	142,106	$3.8B	1.11%
32	VNQIVANGUARD GLOBAL EX-U.S. REAL ESTATE ETF	77,969	$3.6B	1.06%
33	AVGOBROADCOM INC COM	12,704	$3.5B	1.03%
34	VBVANGUARD SMALL-CAP ETF	13,497	$3.2B	0.94%
35	DFLVDIMENSIONAL US LARGE CAP VALUE ETF	100,792	$3.1B	0.92%
36	DISVDIMENSIONAL INTERNATIONAL SMALL CAP VALUE ETF	93,242	$3.1B	0.91%
37	GQ9SPDR GOLD SHARES	9,832	$3.0B	0.89%
38	BILSSPDR BLOOMBERG 3-12 MONTH T-BILL ETF	26,384	$2.6B	0.77%
39	VBRVANGUARD SMALL CAP VALUE ETF	11,723	$2.3B	0.68%
40	LRCXLAM RESEARCH CORP COM NEW	22,420	$2.2B	0.64%
41	AMZNAMAZON COM INC COM	9,774	$2.1B	0.63%
42	DFAEDIMENSIONAL EMERGING CORE EQUITY MARKET ETF	71,743	$2.1B	0.61%
43	GLDMSPDR GOLD MINISHARES TRUST OF BENEFICIAL INTEREST	30,003	$2.0B	0.58%
44	VTVVANGUARD VALUE ETF	11,063	$2.0B	0.58%
45	SCHBSCHWAB U.S. BROAD MARKET ETF	78,425	$1.9B	0.55%
46	AVDVAVANTIS INTERNATIONAL SMALL CAP VALUE ETF	23,080	$1.8B	0.54%
47	WPCWP CAREY INC COM	28,552	$1.8B	0.53%
48	CSCOCISCO SYS INC COM	22,838	$1.6B	0.47%
49	VNQVANGUARD REAL ESTATE ETF	17,278	$1.5B	0.45%
50	VEUVANGUARD FTSE ALL-WORLD EX-US INDEX FUND	20,633	$1.4B	0.41%
51	CVXCHEVRON CORP NEW COM	9,531	$1.4B	0.40%
52	IWMISHARES RUSSELL 2000 ETF	6,231	$1.3B	0.40%
53	AVUVAVANTIS U.S. SMALL CAP VALUE ETF	14,143	$1.3B	0.38%
54	QCOMQUALCOMM INC COM	7,828	$1.2B	0.37%
55	TSMTAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS	5,394	$1.2B	0.36%
56	SCHVSCHWAB U.S. LARGE-CAP VALUE ETF	43,157	$1.2B	0.35%
57	VTIVANGUARD TOTAL STOCK MARKET ETF	3,926	$1.2B	0.35%
58	VIGVANGUARD DIVIDEND APPRECIATION ETF	5,562	$1.1B	0.34%
59	AMDADVANCED MICRO DEVICES INC COM	7,983	$1.1B	0.33%
60	SCHASCHWAB U.S. SMALL-CAP ETF	43,502	$1.1B	0.33%
61	FEZSPDR EURO STOXX 50 ETF	18,404	$1.1B	0.32%
62	BACBANK AMERICA CORP COM	22,791	$1.1B	0.32%
63	VVISA INC COM CL A	2,620	$930.2M	0.27%
64	DFACDIMENSIONAL U.S. CORE EQUITY 2 ETF	25,497	$913.8M	0.27%
65	SCHHSCHWAB U.S. REIT ETF	43,047	$910.9M	0.27%
66	XLFICONSUMER STAPLES SELECT SECTOR SPDR FUND	11,199	$906.8M	0.27%
67	NFLXNETFLIX INC COM	659	$882.5M	0.26%
68	VWOVANGUARD FTSE EMERGING MARKETS ETF	17,770	$878.9M	0.26%
69	HDHOME DEPOT INC COM	2,379	$872.4M	0.26%
70	LMTLOCKHEED MARTIN CORP COM	1,843	$853.6M	0.25%
71	AMGNAMGEN INC COM	3,056	$853.4M	0.25%
72	IBDWISHARES IBONDS DEC 2031 TERM CORPORATE ETF	39,388	$828.7M	0.24%
73	IBDXISHARES IBONDS DEC 2032 TERM CORPORATE ETF	32,548	$823.0M	0.24%
74	JNJJOHNSON & JOHNSON COM	5,374	$820.9M	0.24%
75	AVMCAVANTIS U.S. MID CAP EQUITY ETF	11,911	$788.4M	0.23%
76	BSVVANGUARD SHORT-TERM BOND ETF	9,963	$784.1M	0.23%
77	SCHZSCHWAB US AGGREGATE BOND ETF	33,721	$783.7M	0.23%
78	SHYMISHARES SHORT DURATION HIGH YIELD MUNI ACTIVE ETF	34,635	$772.7M	0.23%
79	VYMVANGUARD HIGH DIVIDEND YIELD INDEX ETF	5,652	$753.4M	0.22%
80	DFICDIMENSIONAL INTERNATIONAL CORE EQUITY 2 ETF	22,962	$713.9M	0.21%
81	DFGPDIMENSIONAL GLOBAL CORE PLUS FIXED INCOME ETF	12,824	$698.8M	0.21%
82	SLVISHARES SILVER TRUST	21,265	$697.7M	0.21%
83	VHTVANGUARD HEALTH CARE ETF	2,795	$694.2M	0.21%
84	IJRISHARES CORE S&P SMALL CAP ETF	6,325	$691.3M	0.20%
85	BXBLACKSTONE INC COM	4,383	$655.6M	0.19%
86	IBDVISHARES IBONDS DEC 2030 TERM CORPORATE ETF	29,435	$647.0M	0.19%
87	COSTCOSTCO WHSL CORP NEW COM	628	$621.4M	0.18%
88	VUSBVANGUARD ULTRA-SHORT BOND ETF	12,431	$619.9M	0.18%
89	NDQINVESCO QQQ TRUST SERIES I	1,097	$604.9M	0.18%
90	SPSBSPDR PORTFOLIO SHORT TERM CORPORATE BOND ETF	19,814	$598.2M	0.18%
91	SPYSPDR S&P 500 ETF TRUST	964	$595.8M	0.18%
92	SCHPSCHWAB US TIPS ETF	22,293	$594.8M	0.18%
93	IVWISHARES S&P 500 GROWTH ETF	5,352	$589.3M	0.17%
94	IBMINTERNATIONAL BUSINESS MACHS COM	1,948	$574.1M	0.17%
95	DFAIDIMENSIONAL INTERNATIONAL CORE EQUITY MARKET ETF	15,883	$549.1M	0.16%
96	JMSTJPMORGAN ULTRA-SHORT MUNICIPAL INCOME ETF	10,767	$548.3M	0.16%
97	LQDISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF	4,983	$546.2M	0.16%
98	AQLTISHARES CORE MSCI EAFE ETF	6,342	$529.4M	0.16%
99	AGGISHARES CORE U.S. AGGREGATE BOND ETF	5,208	$516.6M	0.15%
100	IVEISHARES S&P 500 VALUE ETF	2,590	$506.2M	0.15%

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