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Portfolio (Quarterly) Guide ↗

Gradient Capital Advisors, LLC

· CIK 0001727917
13F Portfolio $386M AUM 177 positions Filed Apr 16, 2026 EDGAR ↗ ← All Funds
Q1 2026 Q4 2025 · All 6 New 29 Added 70 Reduced 3 Exited
Page 3 of 4  ·  70 positions
# Ticker Company Sector Shares Value ↓ % Port Chg Shares Chg % Period Price ① Since Period ①
41 VYM VANGUARD HIGH DIVIDEND YIELD INDEX ETF 5,307.0 $786K 0.20% -70.0 -1.3% $148.09 +6.7%
42 CAT CATERPILLAR INC COM Industrials 1,056.0 $748K 0.19% -64.0 -5.7% $708.33 +40.4%
43 VHT VANGUARD HEALTH CARE ETF 2,719.0 $741K 0.19% -37.0 -1.3% $272.35 +6.0%
44 SCHZ SCHWAB US AGGREGATE BOND ETF 29,746.0 $691K 0.18% -438.0 -1.4% $23.22 -0.1%
45 QCOM QUALCOMM INC COM Technology 5,097.0 $656K 0.17% -1K -22.0% $128.79 +53.3%
46 XOM EXXON MOBIL CORP COM Energy 3,696.0 $627K 0.16% -25.0 -0.7% $169.65 -17.6%
47 VWO VANGUARD FTSE EMERGING MARKETS ETF 11,431.0 $618K 0.16% -2K -15.2% $54.05 +9.1%
48 DFAI DIMENSIONAL INTERNATIONAL CORE EQUITY MARKET ETF 15,599.0 $608K 0.16% -172.0 -1.1% $38.96 +4.6%
49 IEFA ISHARES CORE MSCI EAFE ETF 6,372.0 $577K 0.15% -173.0 -2.6% $90.53 +5.3%
50 SPY STATE STREET SPDR S&P 500 ETF Financial Services 818.0 $532K 0.14% -131.0 -13.8% $649.97 +12.8%
51 JMST JPMORGAN ULTRA-SHORT MUNICIPAL INCOME ETF 10,120.0 $516K 0.13% -157.0 -1.5% $50.98 -0.0%
52 AGG ISHARES CORE U.S. AGGREGATE BOND ETF 4,977.0 $494K 0.13% -42.0 -0.8% $99.27 -0.1%
53 SCHE SCHWAB EMERGING MARKETS EQUITY ETF 14,400.0 $474K 0.12% -132.0 -0.9% $32.95 +8.6%
54 SPLV INVESCO S&P 500 LOW VOLATILITY ETF 5,947.0 $435K 0.11% -105.0 -1.7% $73.14 +2.1%
55 INTU INTUIT COM Technology 932.0 $403K 0.10% -394.0 -29.7% $432.33 -39.3%
56 IJH ISHARES CORE S&P MID-CAP ETF 5,460.0 $369K 0.10% -145.0 -2.6% $67.53 +12.2%
57 NEM NEWMONT CORP COM Basic Materials 3,271.0 $354K 0.09% -713.0 -17.9% $108.25 -13.1%
58 XLF STATE STREET FINANCIAL SELECT SECTOR SPDR ETF 6,895.0 $340K 0.09% -667.0 -8.8% $49.37 +8.8%
59 WMT WALMART INC COM Consumer Defensive 2,735.0 $340K 0.09% -68.0 -2.4% $124.29 -3.9%
60 XLE STATE STREET ENERGY SELECT SECTOR SPDR ETF 5,534.0 $339K 0.09% -161.0 -2.8% $61.26 -12.6%
Page 3 of 4  ·  70 positions

Period Price is the implied market price on the last day of the reporting period, calculated as reported value ÷ shares held. It is not the fund's purchase price or cost basis — the fund may have initiated or added to the position at any point during the quarter at a different price. Since Period shows the price change from that quarter-end snapshot to today's last price — it reflects stock movement after the report date, not the fund's actual return.

Sector Allocation
Technology 44.5%
Financial Services 21.7%
Communication Services 12.3%
Consumer Cyclical 8.7%
Healthcare 3.3%
Industrials 2.7%
Energy 2.5%
Real Estate 1.9%
Consumer Defensive 1.5%
Utilities 0.5%