Q3 2026 13F · SEC CIK 1727917

Gradient Capital Advisors, LLC

Wealth managerFiled 2026-10-21 for Q3 2026. Open the filing ↗ · All SEC filings ↗

Reported 13F value: $433.0M
Reported positions: 179
Top holdings a year, 3 yrs: +15.4%
Assets under management: $742.2M

Gradient Capital Advisors, LLC is a wealth manager that reported 179 positions worth $433.0M in its Q3 2026 13F, filed 2026-10-21. Its largest holdings were Ishares Tr (IVV, 9.2%), Apple Inc (AAPL, 5.3%), Spdr Index Shs Fds (SPDW, 3.5%). A portfolio copying its top holdings returned 15.4% a year over the last 3 years, against 20.4% for the S&P 500.

Gradient Capital Advisors, LLC holdings largest 50 of 179 positions.

Weights are shares of the filer's total reported 13F value, compared with Q2 2026. Share changes may reflect splits; weight changes also reflect price moves. A 13F shows long US-listed positions only, up to 135 days after the fact.

Gradient Capital Advisors, LLC 13F holdings
Stock	% of 13F value	Q2 2026	Shares	Share change	Reported value
IVVIshares Tr	9.2%	9.1%	51,950	-0.8%	$39.8M
AAPLApple Inc	5.3%	4.8%	68,918	-3.0%	$23.0M
SPDWSpdr Index Shs Fds	3.5%	3.6%	304,861	-1.5%	$15.3M
VCSHVanguard Scottsdale Fds	3.3%	3.3%	185,513	+3.0%	$14.3M
DFSDDimensional Short-Duration Fixed Income	3.0%	2.8%	281,134	+9.3%	$13.1M
DFGPDimensional ETF Trust	2.9%	3.0%	240,334	+2.3%	$12.5M
SCHFSchwab Strategic Tr	2.6%	2.7%	416,663	-1.9%	$11.4M
SCHMSchwab Strategic Tr	2.3%	2.6%	296,458	-1.3%	$10.1M
GOOGLAlphabet Inc	2.1%	2.2%	26,672	+1.8%	$9.2M
VTIPVanguard Malvern Fds	2.1%	2.0%	181,736	+7.0%	$8.9M
DFEMDimensional ETF Trust	2.1%	2.1%	225,037	+1.3%	$8.9M
DFATDFA U.S. Targeted Value ETF	2.0%	—	132,485	—	$8.8M
VVVanguard Index Fds	1.9%	2.0%	23,773	-4.2%	$8.4M
VEAVanguard Ftse Developed Markets Index Fu	1.9%	1.9%	115,859	+1.4%	$8.2M
SCHXSchwab Strategic Tr	1.8%	1.8%	256,606	-1.2%	$7.7M
DFSVDfa Invt Dimensions Group in	1.8%	—	205,225	—	$7.7M
JPMJpmorgan Chase & Co	1.7%	1.7%	22,427	-1.2%	$7.4M
NVDANvidia Corporation	1.7%	1.5%	32,009	-0.9%	$7.3M
MSFTMicrosoft Corp	1.6%	1.2%	13,462	-1.7%	$6.9M
DFUVDimensional ETF Trust	1.5%	1.6%	121,587	-2.6%	$6.7M
BRK-BBerkshire Hathaway Inc Del	1.5%	1.3%	13,424	+21.5%	$6.7M
JPSTJ P Morgan Exchange Traded F	1.3%	1.3%	111,130	+2.2%	$5.6M
DFAXDimensional ETF Trust	1.3%	1.3%	148,327	+0.9%	$5.5M
DFARDfa Invt Dimensions Group in	1.2%	—	223,034	—	$5.4M
DFLVDimensional ETF Trust	1.2%	1.2%	132,598	-0.9%	$5.3M
SCHDSchwab Strategic Tr	1.1%	1.1%	149,170	+1.0%	$4.9M
IGSBIshares Tr	1.1%	1.1%	93,438	+6.2%	$4.8M
VXUSVanguard Star Fds	1.1%	1.1%	55,821	-0.7%	$4.7M
VOOVanguard Index Fds	1.1%	1.1%	6,571	-6.4%	$4.6M
TSLATesla Inc	1.0%	1.3%	12,563	-4.6%	$4.5M
METAMeta Platforms Inc	1.0%	0.8%	5,889	-4.9%	$4.3M
VOVanguard Index Fds	1.0%	1.0%	54,412	-1.1%	$4.3M
EMXCIshares Inc	1.0%	1.0%	41,570	+2.6%	$4.1M
GLDSpdr Gold Tr	0.9%	0.8%	10,286	+4.5%	$3.9M
DISVDimensional ETF Trust	0.9%	0.9%	89,998	-1.9%	$3.9M
LRCXLam Research Corp	0.9%	1.6%	11,852	-24.1%	$3.9M
VNQIVanguard Intl Equity Index F	0.9%	0.9%	88,124	+2.2%	$3.7M
VUGVanguard Index Fds	0.8%	0.8%	40,822	+0.4%	$3.7M
AVGOBroadcom Inc	0.8%	0.9%	10,460	-3.2%	$3.7M
VBVanguard Index Fds	0.8%	0.9%	12,557	-1.8%	$3.6M
AMPAmeriprise Finl Inc	0.7%	—	5,876	—	$2.9M
TSMTaiwan Semiconductor Manufac	0.6%	0.7%	5,909	-1.1%	$2.7M
CSCOCisco Sys Inc	0.6%	0.7%	24,289	-0.5%	$2.6M
VTVVanguard Index Fds	0.6%	0.6%	11,178	-2.7%	$2.4M
AMZNAmazon Com Inc	0.6%	0.5%	9,680	-1.7%	$2.4M
AMDAdvanced Micro Devices Inc	0.6%	0.6%	3,895	-18.3%	$2.4M
AVDVAmerican Centy ETF Tr	0.5%	0.5%	20,844	+0.2%	$2.3M
BILSSpdr Series Trust	0.5%	0.6%	22,757	-13.6%	$2.3M
DFAEDimensional ETF Trust	0.5%	0.5%	56,029	-1.2%	$2.2M
AVMCAmerican Centy ETF Tr	0.5%	0.5%	28,416	+5.2%	$2.2M

What Gradient Capital Advisors, LLC bought and sold in Q3 2026, against Q2 2026.

New positions

Q2 2026's filing was too long to tell new positions apart.

Added to

BRK-B Berkshire Hathaway Inc Del+21.5% shares
DFSD Dimensional Short-Duration Fixed Income +9.3% shares
VTIP Vanguard Malvern Fds+7.0% shares
IGSB Ishares Tr+6.2% shares
AVMC American Centy ETF Tr+5.2% shares

Reduced

LRCX Lam Research Corp-24.1% shares
AMD Advanced Micro Devices Inc-18.3% shares
BILS Spdr Series Trust-13.6% shares
VOO Vanguard Index Fds-6.4% shares

Left the top 50

Share counts compared with the Q2 2026 13F; a split also changes share counts. The latest filing lists more than 50 positions, so a position that left the top 50 may still be held.

How the holdings did against the S&P 500.

1 year: +18.5% /yr; S&P 500 +20.1%
3 years: +15.4% /yr; S&P 500 +20.4%
5 years: +8.5% /yr; S&P 500 +11.6%

A portfolio of the filer's 20 largest 13F positions, weighted by value, bought the trading day after each 13F was filed and held until the next one was: what copying this filer could have earned. 13Fs show long US-listed positions only, so this is an estimate of the stock picks, not the fund's reported returns.

Reported 13F value by quarter.

13F value by quarter
Quarter	13F value	Positions
Q3 2026	$433.0M	179
Q2 2026	$431.8M	179
Q1 2026	$385.8M	177
Q4 2025	$388.0M	174
Q3 2025	$373.1M	167
Q2 2025	$338.5M	162
Q1 2025	$306.4M	155
Q4 2024	$310.2M	152
Q3 2024	$302.0M	148
Q2 2024	$279.8M	140
Q1 2024	$272.4M	139
Q4 2023	$262.6M	142

Questions about Gradient Capital Advisors, LLC's portfolio

What stocks does Gradient Capital Advisors, LLC own?

Gradient Capital Advisors, LLC's latest 13F, for Q3 2026 and filed Oct 21, 2026, lists 179 positions worth $433.0M. The largest are Ishares Tr (IVV) at 9.2%, Apple Inc (AAPL) at 5.3%, Spdr Index Shs Fds (SPDW) at 3.5%, Vanguard Scottsdale Fds (VCSH) at 3.3% and Dimensional Short-Duration Fixed Income (DFSD) at 3.0%.

What did Gradient Capital Advisors, LLC buy last quarter?

In Q3 2026, Gradient Capital Advisors, LLC added Berkshire Hathaway Inc Del (BRK-B) (+21.5% shares), Dimensional Short-Duration Fixed Income (DFSD) (+9.3% shares) and Vanguard Malvern Fds (VTIP) (+7.0% shares), compared with its Q2 2026 filing.

What did Gradient Capital Advisors, LLC sell last quarter?

In Q3 2026, Gradient Capital Advisors, LLC cut from its top 50 Dimensional ETF Trust (DFAT), cut from its top 50 Dimensional US Small Cap (DFSV), cut from its top 50 Dimensional US Real (DFAR), cut from its top 50 Vanguard Index Fds (VBR), Lam Research Corp (LRCX) (-24.1% shares), Advanced Micro Devices Inc (AMD) (-18.3% shares) and Spdr Series Trust (BILS) (-13.6% shares), compared with its Q2 2026 filing.

How has Gradient Capital Advisors, LLC's portfolio performed?

A portfolio copying Gradient Capital Advisors, LLC's 20 largest 13F holdings each quarter, from the day each filing was public, returned +15.4% a year over the last 3 years, against +20.4% for the S&P 500. Over 1 year: +18.5% against +20.1%. Over 5 years: +8.5% a year against +11.6%.

When is Gradient Capital Advisors, LLC's next 13F filing due?

13F filings are due 45 days after each quarter ends. Gradient Capital Advisors, LLC's filing for the quarter ending Dec 31, 2026 is due by Feb 14, 2027; this page updates the day after it is published.

How much money does Gradient Capital Advisors, LLC manage?

Gradient Capital Advisors, LLC reported $742.2M of regulatory assets under management on its latest SEC Form ADV. Its 13F, which covers only US-listed stocks and options, totals $433.0M.