Gradient Capital Advisors, LLC Q4 2025 Filing

Filed February 6, 2026

Portfolio Value

$388.0B

Holdings

174

Report Date

Q4 2025

Filing Type

13F-HR

All Holdings (174 positions)

#StockSharesValue% PortfolioType
101
LQDISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF
4,940$544.0M0.14%
102
VUSBVANGUARD ULTRA-SHORT BOND ETF
10,875$542.0M0.14%
103
IVEISHARES S&P 500 VALUE ETF
2,523$535.0M0.14%
104
JMSTJPMORGAN ULTRA-SHORT MUNICIPAL INCOME ETF
10,277$523.0M0.13%
105
AGGISHARES CORE U.S. AGGREGATE BOND ETF
5,019$501.0M0.13%
106
IBDUISHARES IBONDS DEC 2029 TERM CORPORATE ETF
21,086$493.0M0.13%
107
SCHESCHWAB EMERGING MARKETS EQUITY ETF
14,532$475.0M0.12%
108
IBDZISHARES IBONDS DEC 2034 TERM CORPORATE ETF
17,986$474.0M0.12%
109
BLKBLACKROCK INC COM
439$470.0M0.12%
110
EFAISHARES MSCI EAFE ETF
4,885$469.0M0.12%
111
CEGCONSTELLATION ENERGY CORP COM
1,322$467.0M0.12%
112
XOMEXXON MOBIL CORP COM
3,721$447.0M0.12%
113
SPLVINVESCO S&P 500 LOW VOLATILITY ETF
6,052$432.0M0.11%
114
IBDYISHARES IBONDS DEC 2033 TERM CORPORATE ETF
16,333$426.0M0.11%
115
BSMVINVESCO BULLETSHARES 2031 MUNICIPAL BOND ETF
19,704$416.0M0.11%
116
XLFSTATE STREET FINANCIAL SELECT SECTOR SPDR ETF
7,562$414.0M0.11%
117
DTDWISDOMTREE U.S. TOTAL DIVIDEND FUND
4,815$408.0M0.11%
118
NEMNEWMONT CORP COM
3,984$397.0M0.10%
119
SCHOSCHWAB SHORT-TERM US TREASURY ETF
15,949$388.0M0.10%
120
ORCLORACLE CORP COM
1,984$386.0M0.10%
121
SPTMSTATE STREET SPDR PORTFOLIO S&P 1500 COMPOSITE STOCK MARKET ETF
4,615$380.0M0.10%
122
BABOEING CO COM
1,745$378.0M0.10%
123
DFUSDIMENSIONAL U.S. EQUITY MARKET ETF
5,102$378.0M0.10%
124
IJHISHARES CORE S&P MID-CAP ETF
5,605$369.0M0.10%
125
IYWISHARES U.S. TECHNOLOGY ETF
1,760$351.0M0.09%
126
INTCINTEL CORP COM
9,281$342.0M0.09%
127
CRMSALESFORCE INC COM
1,279$338.0M0.09%
128
DISDISNEY WALT CO COM
2,964$337.0M0.09%
129
SBUXSTARBUCKS CORP COM
3,958$333.0M0.09%
130
ACNACCENTURE PLC IRELAND SHS CLASS A
1,219$327.0M0.08%
131
ABBVABBVIE INC COM
1,408$321.0M0.08%
132
GHYPGIM GLOBAL HIGH YIELD FD FORM COM
25,764$317.0M0.08%
133
IBDSISHARES IBONDS DEC 2027 TERM CORPORATE ETF
13,020$316.0M0.08%
134
GSGOLDMAN SACHS GROUP INC COM
361$316.0M0.08%
135
WMTWALMART INC COM
2,803$312.0M0.08%
136
XLKSTATE STREET TECHNOLOGY SELECT SECTOR SPDR ETF
2,138$307.0M0.08%
137
PLTRPALANTIR TECHNOLOGIES INC CL A
1,693$300.0M0.08%
138
IBDRISHARES IBONDS DEC 2026 TERM CORPORATE ETF
12,312$298.0M0.08%
139
REGNREGENERON PHARMACEUTICALS COM
384$296.0M0.08%
140
FDXFEDEX CORP COM
965$278.0M0.07%
141
AVLVAVANTIS U.S. LARGE CAP VALUE ETF
3,653$276.0M0.07%
142
DFCADIMENSIONAL CALIFORNIA MUNICIPAL BOND ETF
5,386$269.0M0.07%
143
DGCBDIMENSIONAL GLOBAL CREDIT ETF
4,961$269.0M0.07%
144
CFGCITIZENS FINL GROUP INC COM
4,575$267.0M0.07%
145
SJNKSTATE STREET SPDR BLOOMBERG SHORT TERM HIGH YIELD BOND ETF
10,354$262.0M0.07%
146
XLUSTATE STREET UTILITIES SELECT SECTOR SPDR ETF
6,096$260.0M0.07%
147
VYMIVANGUARD INTERNATIONAL HIGH DIVIDEND YIELD ETF
2,894$260.0M0.07%
148
PFEPFIZER INC COM
10,334$257.0M0.07%
149
AXPAMERICAN EXPRESS CO COM
696$257.0M0.07%
150
PGPROCTER & GAMBLE CO COM
1,781$255.0M0.07%
151
PANWPALO ALTO NETWORKS INC COM
1,387$255.0M0.07%
152
LLYELI LILLY & CO COM
238$255.0M0.07%
153
XLESTATE STREET ENERGY SELECT SECTOR SPDR ETF
5,695$254.0M0.07%
154
ICFISHARES SELECT U.S. REIT ETF
4,120$245.0M0.06%
155
IBDTISHARES IBONDS DEC 2028 TERM CORPORATE ETF
9,532$242.0M0.06%
156
ISRGINTUITIVE SURGICAL INC COM NEW
425$240.0M0.06%
157
IWCISHARES MICRO-CAP ETF
1,510$238.0M0.06%
158
JSCPJPMORGAN SHORT DURATION CORE PLUS ETF
4,909$233.0M0.06%
159
YUMYUM BRANDS INC COM
1,527$231.0M0.06%
160
RTXRTX CORPORATION COM
1,256$230.0M0.06%
161
ADBEADOBE INC COM
659$230.0M0.06%
162
TJXTJX COS INC NEW COM
1,497$229.0M0.06%
163
OFIXORTHOFIX MED INC COM
15,002$227.0M0.06%
164
TIPISHARES TIPS BOND ETF
2,070$227.0M0.06%
165
IGIBISHARES 5-10 YEAR INVESTMENT GRADE CORPORATE BOND ETF
4,141$223.0M0.06%
166
DONSPDR DOW JONES INDUSTRIAL AVERAGE ETF TRUST
463$222.0M0.06%
167
BUFRFT VEST LADDERED BUFFER ETF
6,382$218.0M0.06%
168
DFAUDIMENSIONAL US CORE EQUITY MARKET ETF
4,621$216.0M0.06%
169
LVLNSTATE STREET SPDR S&P REGIONAL BANKING ETF
3,322$215.0M0.06%
170
AMATAPPLIED MATLS INC COM
832$213.0M0.05%
171
MARMARRIOTT INTL INC NEW CL A
678$210.0M0.05%
172
BSMUINVESCO BULLETSHARES 2030 MUNICIPAL BOND ETF
9,381$206.0M0.05%
173
HYFTMINDWALK HOLDINGS CORP COM
26,551$48.0M0.01%
174
UREUR-ENERGY INC COM
10,000$13.0M0.00%
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