Fund HoldingsGradient Capital Advisors, LLC

Total Portfolio Value
$388.01M
Total Bought
$17.80M
Total Sold
$10.57M
Net Transaction
+$7.23M
Filing Period:
Securities
SharesValue ($K)
Q3 2025
Q4 2025
Change
Q3 2025
Q4 2025
Weight (%)
Change
DIMENSIONAL GLOBAL CORE PLUS FIXED INCOME ETF
GLOB CO PLUS ETF
84,557164,336+79,7794,6998,8862.29%+4,187
ALPHABET INC CAP STK CL A(GOOG)22,82524,108+1,2835,5497,5461.94%+1,997
APPLE INC COM(AAPL)73,53072,766-76418,72319,7825.10%+1,059
INVESCO S&P 500 LOW VOLATILITY ETF107,500120,329+12,8292,7683,7900.98%+1,022
VANGUARD SHORT-TERM CORPORATE BOND ETF
SHRT TRM CORP BD
160,084171,922+11,83812,79513,7073.53%+912
BANK NEW YORK MELLON CORP COM5,96113,342+7,3816501,5490.40%+899
DIMENSIONAL US SMALL CAP VALUE ETF
US SMALL CAP ETF
180,376197,631+17,2555,7436,5001.68%+757
LAM RESEARCH CORP COM NEW(LRCX)21,93521,357-5782,9373,6560.94%+719
VANGUARD FTSE DEVELOPED MARKETS ETF107,607113,158+5,5516,4487,0691.82%+621
ISHARES CORE S&P 500 ETF52,49652,144-35235,13635,7169.20%+580
DIMENSIONAL US LARGE CAP VALUE ETF
US LARG VALU ETF
111,513123,114+11,6013,6694,2121.09%+543
ISHARES SILVER TRUST(SLV)25,51324,713-8001,0811,5920.41%+511
NEWMONT CORP COM(NEM)03,984+3,98403980.10%+398
INTUIT COM(INTU)01,326+1,32608790.23%+879
AVANTIS U.S. MID CAP EQUITY ETF15,42320,107+4,6841,0731,4200.37%+347
DIMENSIONAL EMERGING MARKETS CORE EQUITY 2 ETF
EMERGING MKTS CO
227,460230,304+2,8447,2957,6181.96%+324
SPDR GOLD SHARES(GLD)9,4879,316-1713,3723,6920.95%+320
CISCO SYS INC COM(CSCO)024,703+24,70301,9030.49%+1,903
DIMENSIONAL INTERNATIONAL SMALL CAP VALUE ETF
INTL SMALL CAP V
93,50995,579+2,0703,3373,6320.94%+295
DIMENSIONAL GLOBAL CREDIT ETF
GLOBAL CR ETF
04,961+4,96102690.07%+269
CITIZENS FINL GROUP INC COM(CFG)04,575+4,57502670.07%+267
ELI LILLY & CO COM(LLY)0238+23802560.07%+256
INTUITIVE SURGICAL INC COM NEW0425+42502410.06%+241
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS(TSM)5,5435,884+3411,5481,7880.46%+240
DIMENSIONAL WORLD EX U.S. CORE EQUITY 2 ETF
WORLD EX US CORE
141,465142,641+1,1764,4394,6691.20%+229
FT VEST LADDERED BUFFER ETF
FT LADD BUFF ETF
06,382+6,38202190.06%+219
DIMENSIONAL US CORE EQUITY MARKET ETF
US CORE EQT MKT
04,621+4,62102160.06%+216
APPLIED MATLS INC COM0832+83202140.06%+214
MARRIOTT INTL INC NEW CL A(MAR)0678+67802100.05%+210
SCHWAB INTERNATIONAL EQUITY ETF454,186448,349-5,83710,57310,7782.78%+205
ALPHABET INC CAP STK CL C(GOOG)2,8182,81806868840.23%+198
DIMENSIONAL U.S. TARGETED VALUE ETF
US TARGETED VLU
140,382140,565+1838,1728,3692.16%+198
WELLS FARGO & CO COM(WFC)06,016+6,01605610.14%+561
DIMENSIONAL US MARKETWIDE VALUE ETF
US MKTWIDE VALUE
132,726130,449-2,2775,9326,0781.57%+146
ISHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF82,86185,794+2,9334,3944,5371.17%+143
AMGEN INC COM(AMGN)03,089+3,08901,0110.26%+1,011
JOHNSON & JOHNSON COM(JNJ)5,4245,429+51,0061,1230.29%+118
VANGUARD SHORT-TERM BOND ETF010,666+10,66608410.22%+841
CATERPILLAR INC COM(CAT)1,1251,120-55376410.17%+105
SCHWAB SHORT-TERM US TREASURY ETF015,949+15,94903890.10%+389
VANGUARD REAL ESTATE ETF17,65919,401+1,7421,6141,7170.44%+102
ORACLE CORP COM(ORCL)1,0301,984+9542903870.10%+97
VANGUARD HEALTH CARE ETF
HEALTH CAR ETF
02,756+2,75607930.20%+793
SCHWAB U.S. SMALL-CAP ETF43,26545,542+2,2771,2071,2970.33%+90
REGENERON PHARMACEUTICALS COM(REGN)0384+38402960.08%+296
AVANTIS INTERNATIONAL SMALL CAP VALUE ETF22,35621,975-3811,9902,0650.53%+75
AMAZON COM INC COM(AMZN)10,22010,036-1842,2442,3170.60%+73
ISHARES IBONDS DEC 2033 TERM CORPORATE ETF016,333+16,33304270.11%+427
SPDR GOLD MINISHARES TRUST OF BENEFICIAL INTEREST(GLDM)30,22027,818-2,4022,3102,3750.61%+65
STARBUCKS CORP COM(SBUX)03,958+3,95803330.09%+333
GOLDMAN SACHS GROUP INC COM(GS)330361+312633170.08%+54
BANK AMERICA CORP COM22,05921,638-4211,1381,1900.31%+52
FEDEX CORP COM(FDX)0965+96502790.07%+279
CONSTELLATION ENERGY CORP COM(CEG)01,322+1,32204670.12%+467
BERKSHIRE HATHAWAY INC DEL CL B NEW9,4229,512+904,7374,7811.23%+44
DIMENSIONAL SHORT-DURATION FIXED INCOME ETF
SHOR DUR FIX ETF
222,452224,458+2,00610,72010,7632.77%+43
DIMENSIONAL INTERNATIONAL CORE EQUITY 2 ETF
INTL CORE EQUITY
22,96222,96207537910.20%+38
SALESFORCE INC COM(CRM)01,279+1,27903390.09%+339
DIMENSIONAL U.S. CORE EQUITY 2 ETF
US COR EQU 2 ETF
24,53024,803+2739469820.25%+36
ISHARES CORE MSCI EAFE ETF
CORE MSCI EAFE
06,545+6,54505860.15%+586
INTERNATIONAL BUSINESS MACHS COM(IBM)02,015+2,01505970.15%+597
VANGUARD TOTAL INTERNATIONAL STOCK ETF59,58058,427-1,1534,3774,4081.14%+31
BOEING CO COM(BA)01,745+1,74503790.10%+379
ISHARES IBONDS DEC 2034 TERM CORPORATE ETF
IBONDS DEC 2034
16,84717,986+1,1394464740.12%+28
DIMENSIONAL INTERNATIONAL CORE EQUITY MARKET ETF
INTL CORE EQT MK
015,771+15,77106010.15%+601
AMERICAN EXPRESS CO COM(AXP)0696+69602570.07%+257
ACCENTURE PLC IRELAND SHS CLASS A
SHS CLASS A
01,219+1,21903270.08%+327
VANGUARD VALUE ETF11,12510,993-1322,0752,1000.54%+25
INTEL CORP COM(INTC)9,4849,281-2033183420.09%+24
WALMART INC COM(WMT)02,803+2,80303120.08%+312
RTX CORPORATION COM(RTX)1,2531,256+32102300.06%+21
VISA INC COM CL A(V)02,629+2,62909220.24%+922
SCHWAB U.S. LARGE-CAP VALUE ETF42,69742,527-1701,2431,2590.32%+16
EXXON MOBIL CORP COM03,721+3,72104480.12%+448
TJX COS INC NEW COM(TJX)1,4841,497+132142300.06%+15
VANGUARD HIGH DIVIDEND YIELD INDEX ETF05,377+5,37707720.20%+772
ISHARES S&P 500 GROWTH ETF5,3525,35206466600.17%+14
ISHARES MICRO-CAP ETF1,5101,51002252380.06%+13
ISHARES MSCI EAFE ETF04,885+4,88504690.12%+469
AVANTIS U.S. LARGE CAP VALUE ETF03,653+3,65302770.07%+277
ISHARES CORE S&P SMALL CAP ETF6,3276,328+17527610.20%+9
VANGUARD DIVIDEND APPRECIATION ETF5,5925,530-621,2071,2150.31%+9
SPDR DOW JONES INDUSTRIAL AVERAGE ETF TRUST(DIA)0463+46302230.06%+223
STATE STREET FINANCIAL SELECT SECTOR SPDR ETF
ST STR FINL ETF
7,5617,562+14074140.11%+7
ISHARES U.S. TECHNOLOGY ETF1,7601,76003453510.09%+7
PALANTIR TECHNOLOGIES INC CL A(PLTR)1,6161,693+772953010.08%+6
STATE STR SPDR S&P 500 ETF TR TR UNIT(SPY)964949-156426470.17%+5
STATE STREET SPDR S&P REGIONAL BANKING ETF
ST STR SP REGBNK
3,3223,32202102150.06%+5
ISHARES CORE S&P MID-CAP ETF05,605+5,60503700.10%+370
VANGUARD INTERNATIONAL HIGH DIVIDEND YIELD ETF02,894+2,89402600.07%+260
DIMENSIONAL U.S. EQUITY MARKET ETF
US EQUI MARK ETF
5,1845,102-823763780.10%+3
INVESCO BULLETSHARES 2031 MUNICIPAL BOND ETF
BULLETSHS 31 MUN
019,704+19,70404160.11%+416
MINDWALK HOLDINGS CORP COM26,80826,551-25747480.01%+1
DIMENSIONAL CALIFORNIA MUNICIPAL BOND ETF
CALIF MUN BD ETF
05,386+5,38602700.07%+270
INVESCO BULLETSHARES 2030 MUNICIPAL BOND ETF
INVSC 30 MUNI BD
09,381+9,38102070.05%+207
STATE STREET SPDR PORTFOLIO S&P 1500 COMPOSITE STOCK MARKET ETF
ST STR PR SP1500
4,7124,615-973803810.10%+1
ISHARES S&P 500 VALUE ETF2,5902,523-675355350.14%0
JPMORGAN SHORT DURATION CORE PLUS ETF
SHORT DURA CORE
04,909+4,90902330.06%+233
ISHARES IBONDS DEC 2028 TERM CORPORATE ETF
IBDS DEC28 ETF
09,532+9,53202430.06%+243
ISHARES 5-10 YEAR INVESTMENT GRADE CORPORATE BOND ETF04,141+4,14102230.06%+223
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