Investor
Gradient Capital Advisors, LLC
CIK 0001727917 · filed 2026-04-16 · SEC filing
13F book
$385.8M
Positions
177
6 new · 3 sold
Largest name
9.0%
Ishares Tr
Est. mark
−$4.35M
Price effect on 171 names still held. Flow $2.1M.
| Name | Ticker | Shares | Value | Weight | Est. mark | Change |
|---|---|---|---|---|---|---|
| Ishares Tr | — | 52.9K | $34.5M | 9.0% | −$1.65M | Added−$1.17M |
| Apple Inc. | AAPL | 71.6K | $18.2M | 4.7% | −$1.29M | Cut−$1.61M |
| Spdr Index Shs Fds | — | 315.1K | $14.4M | 3.7% | $390.7K | Cut$82.9K |
| Vanguard Scottsdale Fds | — | 176.2K | $14M | 3.6% | −$79K | Added$258.6K |
| Dimensional Etf Trust | — | 217K | $11.7M | 3.0% | −$13.1K | Added$2.83M |
| Dimensional Etf Trust | — | 233.7K | $11.2M | 2.9% | −$15.7K | Added$426.6K |
| Schwab Strategic Tr | — | 435.1K | $10.8M | 2.8% | $309K | Cut−$8.4K |
| Schwab Strategic Tr | — | 309.7K | $9.59M | 2.5% | $275.6K | Cut$86.5K |
| Dimensional Etf Trust | — | 138.5K | $8.65M | 2.2% | $403.2K | Cut$282.6K |
| Vanguard Malvern Fds | — | 161.9K | $8.09M | 2.1% | $75.2K | Added$499.6K |
| Dimensional Etf Trust | — | 229.5K | $7.93M | 2.1% | $337.3K | Cut$310.1K |
| Vanguard Index Fds | — | 25.2K | $7.53M | 2.0% | −$402.1K | Cut−$436.8K |
| Vanguard Tax-Managed Fds | — | 115K | $7.37M | 1.9% | $182.2K | Added$297.7K |
| Alphabet Inc | — | 25.1K | $7.21M | 1.9% | −$613.5K | Added−$336K |
| Dimensional Etf Trust | — | 203.6K | $7.13M | 1.8% | $424.9K | Added$633.9K |
| Schwab Strategic Tr | — | 261.2K | $6.7M | 1.7% | −$331.7K | Cut−$457.8K |
| Jpmorgan Chase & Co. | — | 22.7K | $6.67M | 1.7% | −$636.4K | Cut−$782K |
| Dimensional Etf Trust | — | 125.9K | $6.1M | 1.6% | $235.5K | Cut$24.4K |
| Nvidia Corp | NVDA | 32.5K | $5.67M | 1.5% | −$393.3K | Cut−$413.3K |
| J P Morgan Exchange Traded F | — | 104.3K | $5.28M | 1.4% | $2.05K | Cut−$355.8K |
| Microsoft Corp | MSFT | 14K | $5.19M | 1.3% | −$1.59M | Cut−$1.81M |
| Dimensional Etf Trust | — | 214.2K | $5.07M | 1.3% | $154.3K | Added$348K |
| Tesla, Inc. | TSLA | 13.6K | $5.06M | 1.3% | −$1.06M | Cut−$1.79M |
| Dimensional Etf Trust | — | 143.9K | $4.89M | 1.3% | $176.9K | Added$219.6K |
| Berkshire Hathaway Inc Del | — | 9.74K | $4.67M | 1.2% | −$223.1K | Added−$113.3K |
| Dimensional Etf Trust | — | 128.7K | $4.59M | 1.2% | $184.7K | Added$382.6K |
| Schwab Strategic Tr | — | 149K | $4.57M | 1.2% | $466.9K | Added$630.8K |
| Ishares Tr | — | 85.6K | $4.5M | 1.2% | −$27.4K | Cut−$39.6K |
| Lam Research Corp | LRCX | 20.6K | $4.4M | 1.1% | $875.5K | Cut$747.1K |
| Vanguard Star Fds | — | 55.9K | $4.31M | 1.1% | $93.3K | Cut−$98K |
| Vanguard Index Fds | — | 7.03K | $4.2M | 1.1% | −$207.8K | Cut−$254.9K |
| Vanguard Index Fds | — | 14.3K | $4.11M | 1.1% | −$43.5K | Cut−$125.9K |
| Spdr Gold Tr | — | 9.45K | $4.06M | 1.1% | $316.6K | Added$372.5K |
| Meta Platforms, Inc. | META | 6.39K | $3.66M | 0.9% | −$562.4K | Cut−$759.1K |
| Vanguard Intl Equity Index F | — | 82K | $3.65M | 0.9% | −$113.2K | Added−$86.3K |
| Dimensional Etf Trust | — | 91.3K | $3.6M | 0.9% | $131.5K | Cut−$31.3K |
| Broadcom Inc. | AVGO | 11.1K | $3.45M | 0.9% | −$407.2K | Cut−$459.8K |
| Vanguard Index Fds | — | 12.9K | $3.39M | 0.9% | $51.5K | Cut$26.5K |
| Vanguard Growth Etf | — | 7.24K | $3.16M | 0.8% | −$369.6K | Cut−$1.11M |
| Ishares Inc | — | 37.9K | $2.98M | 0.8% | — | New |
| World Gold Tr | — | 25.9K | $2.4M | 0.6% | $189.5K | Cut$24.3K |
| Vanguard Index Fds | — | 11.3K | $2.21M | 0.6% | $57.2K | Added$111K |
| Spdr Series Trust | — | 22.1K | $2.2M | 0.6% | $4.86K | Cut−$661.3K |
| Vanguard Index Fds | — | 9.88K | $2.15M | 0.6% | $53.9K | Cut−$252.8K |
| American Centy Etf Tr | — | 21.5K | $2.15M | 0.6% | $126.6K | Cut$80.9K |
| Amazon Com Inc | AMZN | 9.98K | $2.08M | 0.5% | −$225K | Cut−$238.6K |
| Dimensional Etf Trust | — | 58.7K | $1.99M | 0.5% | $75.8K | Cut−$37.4K |
| Taiwan Semiconductor Mfg Ltd | — | 5.87K | $1.98M | 0.5% | $199.9K | Cut$195K |
| Chevron Corp New | CVX | 9.24K | $1.91M | 0.5% | $503.5K | Cut$499.6K |
| Wp Carey Inc | — | 27.9K | $1.9M | 0.5% | $100.6K | Cut$95.9K |
| Cisco Sys Inc | — | 24.3K | $1.89M | 0.5% | $13.6K | Cut−$16.8K |
| Schwab Strategic Tr | — | 69.5K | $1.75M | 0.5% | −$78.2K | Added−$70.1K |
| Vanguard Index Fds | — | 19.1K | $1.7M | 0.4% | $4.07K | Cut−$19.8K |
| American Centy Etf Tr | — | 22.8K | $1.65M | 0.4% | $32.2K | Added$225K |
| Ishares Silver Tr | — | 23.9K | $1.63M | 0.4% | $88.9K | Cut$36.5K |
| Bank New York Mellon Corp | — | 13.4K | $1.59M | 0.4% | $33.9K | Added$40.2K |
| Vanguard Intl Equity Index F | — | 20.8K | $1.57M | 0.4% | $32.1K | Cut−$10.8K |
| American Centy Etf Tr | — | 13K | $1.43M | 0.4% | $110.2K | Cut$100.3K |
| Ishares Tr | — | 5.58K | $1.38M | 0.4% | $10.3K | Cut−$9.42K |
| Johnson & Johnson | JNJ | 5.39K | $1.32M | 0.3% | $202K | Cut$193.7K |
| Vanguard Index Fds | — | 4.09K | $1.31M | 0.3% | −$58.7K | Added−$49.1K |
| Schwab Strategic Tr | — | 44.5K | $1.29M | 0.3% | $26.7K | Cut−$3.55K |
| Schwab Strategic Tr | — | 39.1K | $1.19M | 0.3% | $34.8K | Cut−$65.2K |
| Amgen Inc | AMGN | 3.1K | $1.09M | 0.3% | $75.8K | Added$78.2K |
| Vanguard Specialized Funds | — | 4.93K | $1.06M | 0.3% | −$23.3K | Cut−$156.1K |
| Bank America Corp | — | 21.7K | $1.06M | 0.3% | −$135.2K | Added−$132.3K |
| Lockheed Martin Corp | LMT | 1.73K | $1.05M | 0.3% | $208.5K | Added$212.7K |
| Advanced Micro Devices Inc | AMD | 4.91K | $998.8K | 0.3% | −$52.7K | Cut−$169K |
| Ishares 0-3 Month | — | 9.86K | $992.5K | 0.3% | $2.77K | Added$23.6K |
| Dimensional Etf Trust | — | 25.5K | $991.9K | 0.3% | −$18.1K | Added$9.89K |
| Spdr Index Shs Fds | — | 15.5K | $961.3K | 0.2% | −$35.8K | Cut−$67.6K |
| Costco Whsl Corp New | — | 941 | $937.4K | 0.2% | $125.3K | Added$127.3K |
| Select Sector Spdr Tr | — | 11.1K | $906.3K | 0.2% | $47.5K | Added$47.7K |
| Ishares Tr | — | 34.3K | $867.5K | 0.2% | −$8.79K | Added$3.97K |
| Schwab Strategic Tr | — | 39.9K | $857K | 0.2% | $23.9K | Cut−$15.7K |
| Vanguard Bd Index Fds | — | 10.9K | $854.2K | 0.2% | −$4.22K | Added$13.7K |
| Ishares Tr | — | 40.8K | $854K | 0.2% | −$8.98K | Held |
| Dimensional Etf Trust | — | 23K | $815.8K | 0.2% | $24.6K | Held |
| Alphabet Inc | — | 2.82K | $808.5K | 0.2% | −$76.2K | Added−$75.9K |
| Invesco Qqq Tr | — | 1.39K | $799.7K | 0.2% | −$51.9K | Cut−$120.1K |
| Visa Inc. | V | 2.63K | $794.7K | 0.2% | −$127.4K | Held |
| Ishares Tr | — | 6.33K | $786.8K | 0.2% | $26.1K | Added$26.2K |
| Vanguard Whitehall Fds | — | 5.31K | $785.9K | 0.2% | $24.2K | Cut$14.2K |
| Home Depot, Inc. | HD | 2.37K | $777.7K | 0.2% | −$36.2K | Added−$35.2K |
| Caterpillar Inc | CAT | 1.06K | $748K | 0.2% | $143.2K | Cut$106.5K |
| Vanguard World Fd | — | 2.72K | $740.5K | 0.2% | −$42K | Cut−$52.7K |
| Schwab Us Aggregate Bond | — | 29.7K | $690.7K | 0.2% | −$4.46K | Cut−$14.7K |
| Ishares Tr | — | 30K | $656.7K | 0.2% | −$5.4K | Held |
| Qualcomm Inc | — | 5.1K | $656.4K | 0.2% | −$215.5K | Cut−$461.4K |
| Netflix Inc | NFLX | 6.71K | $644.7K | 0.2% | $15.7K | Added$27.7K |
| Exxon Mobil Corp | — | 3.7K | $627K | 0.2% | $182.3K | Cut$179.3K |
| Vanguard Intl Equity Index F | — | 11.4K | $617.8K | 0.2% | $3.31K | Cut−$106.8K |
| Dimensional Etf Trust | — | 15.6K | $607.7K | 0.2% | $13.3K | Cut$6.7K |
| Ishares Tr | — | 5.35K | $605.4K | 0.2% | −$54.3K | Held |
| Spdr Series Trust | — | 19.4K | $584.3K | 0.2% | −$2.5K | Added−$2.29K |
| Ishares Tr | — | 6.37K | $576.8K | 0.1% | $6.82K | Cut−$8.66K |
| Schwab Us Tips Etf | — | 20.7K | $550.9K | 0.1% | $2.48K | Held |
| Vanguard Bd Index Fds | — | 10.9K | $541.4K | 0.1% | −$598 | Held |
| Ishares Tr | — | 4.95K | $539.2K | 0.1% | −$5.96K | Added−$5.09K |
| Ishares Tr | — | 2.52K | $532.7K | 0.1% | −$2.32K | Held |
| Spdr S&P 500 Etf Tr | — | 818 | $531.7K | 0.1% | −$26.4K | Cut−$115.8K |
| J P Morgan Exchange Traded F | — | 10.1K | $515.9K | 0.1% | $406 | Cut−$7.59K |
| Blackstone Inc. | BX | 4.39K | $504.8K | 0.1% | −$171.9K | Held |
| Ishares Tr | — | 4.98K | $494.1K | 0.1% | −$3.04K | Cut−$7.23K |
| Ishares Tr | — | 21.1K | $490.5K | 0.1% | −$3.06K | Held |
| International Business Machs | — | 2.02K | $489.1K | 0.1% | −$108.3K | Added−$107.6K |
| Wells Fargo Co New | — | 6.03K | $480.2K | 0.1% | −$81.7K | Added−$80.5K |
| Schwab Strategic Tr | — | 14.4K | $474.5K | 0.1% | $2.88K | Cut−$1.44K |
| Ishares Tr | — | 4.88K | $474.5K | 0.1% | $5.37K | Held |
| Ishares Tr | — | 18K | $468.7K | 0.1% | −$5.58K | Held |
| Ishares Tr | — | 10.3K | $441.3K | 0.1% | — | New |
| Invesco Exch Traded Fd Tr Ii | — | 5.95K | $435K | 0.1% | $10.2K | Cut$2.73K |
| BlackRock, Inc. | BLK | 439 | $422.5K | 0.1% | −$47.5K | Held |
| Ishares Tr | — | 16.3K | $422.2K | 0.1% | −$4.74K | Held |
| Wisdomtree Tr | — | 4.82K | $415.8K | 0.1% | $7.13K | Held |
| Invesco Exch Trd Slf Idx Fd | — | 19.7K | $411.4K | 0.1% | −$5.02K | Held |
| Intel Corp | INTC | 9.3K | $410.4K | 0.1% | $67.1K | Added$68K |
| Intuit Inc. | INTU | 932 | $402.9K | 0.1% | −$214.6K | Cut−$475.7K |
| Dimensional Etf Trust | — | 5.36K | $380.4K | 0.1% | −$16.6K | Added$1.95K |
| Rbb Fund Trust | — | 7.36K | $371.4K | 0.1% | — | New |
| Ishares Tr | — | 5.46K | $368.7K | 0.1% | $8.35K | Cut−$1.22K |
| Spdr Series Trust | — | 4.62K | $364.9K | 0.1% | −$15.9K | Held |
| Micron Technology Inc | MU | 1.07K | $361.2K | 0.1% | — | New |
| Starbucks Corp | SBUX | 3.96K | $355.2K | 0.1% | $21.3K | Added$21.8K |
| Newmont Corp | — | 3.27K | $354.1K | 0.1% | $27.5K | Cut−$43.7K |
| Boeing Co | — | 1.75K | $347.4K | 0.1% | −$31.6K | Held |
| Fedex Corp | FDX | 965 | $343.7K | 0.1% | $65K | Held |
| Select Sector Spdr Tr | — | 6.89K | $340.4K | 0.1% | −$37.2K | Cut−$73.8K |
| Walmart Inc. | WMT | 2.73K | $339.9K | 0.1% | $35.2K | Cut$27.6K |
| Select Sector Spdr Tr | — | 5.53K | $339K | 0.1% | $91.6K | Cut$84.4K |
| Ishares Tr | — | 1.76K | $319.3K | 0.1% | −$32.1K | Held |
| Ishares Tr | — | 13K | $315.6K | 0.1% | −$521 | Held |
| American Centy Etf Tr | — | 3.89K | $313.7K | 0.1% | $17.7K | Added$36.9K |
| Oracle Corp | — | 2.09K | $307.4K | 0.1% | −$94.9K | Added−$79.4K |
| AbbVie Inc. | ABBV | 1.41K | $306.6K | 0.1% | −$15.6K | Added−$15.2K |
| Constellation Energy Corp | CEG | 1.1K | $305.9K | 0.1% | −$81.4K | Cut−$161.3K |
| Goldman Sachs Group Inc | — | 361 | $305.2K | 0.1% | −$11.8K | Held |
| Pgim Global High Yield Fd Fo | — | 25.8K | $300.2K | 0.1% | −$17.8K | Held |
| Ishares Tr | — | 12.3K | $298.4K | 0.1% | $123 | Held |
| Regeneron Pharmaceuticals, Inc. | REGN | 384 | $296.7K | 0.1% | $296 | Held |
| Pfizer Inc | PFE | 10.4K | $290.8K | 0.1% | $32.9K | Added$33.5K |
| Disney Walt Co | — | 2.96K | $285.7K | 0.1% | −$51.5K | Held |
| Applied Matls Inc | — | 819 | $279.9K | 0.1% | $69.5K | Cut$66.1K |
| Select Sector Spdr Tr | — | 6.1K | $279.7K | 0.1% | $19.5K | Held |
| Schwab Strategic Tr | — | 11.4K | $276K | 0.1% | −$1.13K | Cut−$112.7K |
| Citizens Finl Group Inc | — | 4.58K | $274.4K | 0.1% | $7.14K | Held |
| Dimensional Etf Trust | — | 4.96K | $268.6K | 0.1% | −$511 | Held |
| Dimensional Etf Trust | — | 5.39K | $268.5K | 0.1% | −$1.24K | Held |
| Spdr Series Trust | — | 10.5K | $261.3K | 0.1% | −$3.52K | Added−$872 |
| Procter And Gamble Co | PG | 1.78K | $257.3K | 0.1% | $2.04K | Held |
| Ishares Tr | — | 4.12K | $255K | 0.1% | $9.15K | Held |
| Select Sector Spdr Tr | — | 1.87K | $248.3K | 0.1% | −$20.7K | Cut−$59.6K |
| Palantir Technologies Inc. | PLTR | 1.69K | $247.7K | 0.1% | −$53.3K | Held |
| RTX Corp | RTX | 1.26K | $242.3K | 0.1% | $11.9K | Held |
| Accenture Plc Ireland | — | 1.22K | $241.7K | 0.1% | −$85.3K | Held |
| Ishares Tr | — | 9.53K | $241.4K | 0.1% | −$1.19K | Held |
| Vanguard Whitehall Fds | — | 2.56K | $241.1K | 0.1% | $10.8K | Cut−$19.4K |
| Ishares Tr | — | 1.51K | $241K | 0.1% | $2.88K | Held |
| Spdr Series Trust | — | 3.68K | $239.7K | 0.1% | $1.13K | Added$24.5K |
| Tjx Cos Inc New | — | 1.5K | $239.1K | 0.1% | $9.12K | Held |
| Yum Brands Inc | YUM | 1.52K | $237.1K | 0.1% | $6.4K | Cut$6.1K |
| Salesforce, Inc. | CRM | 1.26K | $235.9K | 0.1% | −$98.9K | Cut−$102.9K |
| Ishares Tr | — | 2.07K | $228.4K | 0.1% | $931 | Held |
| Dimensional Etf Trust | — | 5.02K | $226.6K | 0.1% | −$7.76K | Added$10.4K |
| Ishares Tr | — | 4.14K | $220.4K | 0.1% | −$2.73K | Held |
| First Tr Exchng Traded Fd Vi | — | 6.38K | $215.5K | 0.1% | −$3.13K | Held |
| Spdr Dow Jones Indl Average | — | 463 | $214.5K | 0.1% | −$8.05K | Held |
| Palo Alto Networks Inc | PANW | 1.32K | $212.4K | 0.1% | −$31.6K | Cut−$43.1K |
| American Express Co | AXP | 696 | $210.6K | 0.1% | −$46.7K | Held |
| Southern Co | — | 2.16K | $208.9K | 0.1% | — | New |
| Marriott Intl Inc New | — | 638 | $208.7K | 0.1% | $10.7K | Cut−$1.67K |
| Vanguard Scottsdale Fds | — | 2.48K | $204.9K | 0.1% | — | New |
| Invesco Exch Trd Slf Idx Fd | — | 9.38K | $204.6K | 0.1% | −$1.99K | Held |
| J P Morgan Exchange Traded F | — | 4.29K | $203.2K | 0.1% | −$1.1K | Cut−$30.3K |
| Orthofix Med Inc | — | 10K | $114.7K | 0.0% | −$36.9K | Cut−$112.7K |
| MindWalk Holdings Corp. | HYFT | 26.6K | $30K | 0.0% | −$18.3K | Held |
| Ur-Energy Inc | URG | 10K | $14.9K | 0.0% | $1K | Held |
Positions as of Q1 2026. 13F filings arrive up to 45 days after quarter-end and omit shorts. Values are quarter-end marks, as filed. Estimated mark is the price effect on shares still held — not realized P&L or investment advice.