Asset Manager
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Gradient Capital Advisors, LLC
2125 POINSETTIA DRIVE, SAN DIEGO, CA 92107 • 619-255-0700
Market Value
$368M
+10.3%
Holdings
171
+6
New Purchases
10
Added To
66
Closed
5
Reduced
57
Top 10 Concentration
37.0%
Turnover
8.8%
Top Buys (by % of Portfolio)
| Symbol | Cur % | Prior % | Chg % | Value |
|---|---|---|---|---|
| DFGP | 1.28% | 0.21% | +1.07% | $5M |
| AAPL | 5.08% | 4.55% | +0.54% | $19M |
| NVDA | 1.71% | 1.31% | +0.40% | $6M |
| GOOGL | 1.51% | 1.17% | +0.33% | $6M |
| TSLA | 1.95% | 1.69% | +0.26% | $7M |
| BNY | 0.18% | 0.00% | +0.18% | $650K |
| LRCX | 0.80% | 0.65% | +0.14% | $3M |
| XLK | 0.09% | 0.00% | +0.09% | $321K |
| SLV | 0.29% | 0.21% | +0.08% | $1M |
| PLTR | 0.08% | 0.00% | +0.08% | $295K |
| QQQ | 0.25% | 0.18% | +0.07% | $926K |
| IWC | 0.06% | 0.00% | +0.06% | $225K |
| DFLV | 1.00% | 0.94% | +0.06% | $4M |
| TJX | 0.06% | 0.00% | +0.06% | $214K |
| KRE | 0.06% | 0.00% | +0.06% | $210K |
Top Sells (by % of Portfolio)
| Symbol | Cur % | Prior % | Chg % | Value |
|---|---|---|---|---|
| VV | 2.26% | 2.70% | -0.44% | $8M |
| SHYM | 0.00% | 0.23% | -0.23% | $0 |
| SCHF | 2.87% | 3.09% | -0.22% | $11M |
| SPDW | 3.89% | 4.08% | -0.19% | $14M |
| SCHM | 2.59% | 2.77% | -0.18% | $10M |
| IVV | 9.54% | 9.72% | -0.17% | $35M |
| JPST | 1.74% | 1.88% | -0.14% | $6M |
| VOO | 1.24% | 1.35% | -0.11% | $5M |
| VXUS | 1.19% | 1.29% | -0.10% | $4M |
| VEA | 1.75% | 1.84% | -0.09% | $6M |
| VUG | 1.18% | 1.26% | -0.08% | $4M |
| DFUV | 1.61% | 1.69% | -0.08% | $6M |
| BRK-B | 1.29% | 1.37% | -0.08% | $5M |
| MSFT | 2.07% | 2.15% | -0.08% | $8M |
| VO | 1.19% | 1.27% | -0.07% | $4M |
Sector Allocation Over Time
Industry Breakdown
| Industry | Weight |
|---|---|
| Financial Services | 79.2% |
| Technology | 11.8% |
| Communication Services | 3.3% |
| Consumer Cyclical | 2.3% |
| Healthcare | 0.9% |
Market Cap Concentration
| Tier | Holdings | Value | Weight |
|---|---|---|---|
| Mega Cap | 47 | $154M | 41.8% |
| Large Cap | 83 | $160M | 43.5% |
| Mid Cap | 21 | $48M | 13.2% |
| Small Cap | 15 | $5M | 1.3% |
| Micro Cap | 5 | $994K | 0.3% |
Portfolio Analytics
Avg Market Cap
$347.5B
Median Market Cap
$66.2B
Avg P/E
35.9
Median P/E
22.0
Avg Dividend Yield
0.02%
Avg Beta
0.90
# Stocks
64
# ETFs / Funds
107
Top Holdings (171 total)
| # | Symbol | % Port | Shares | Value | Avg Price | Q/Q Value Chg | Share Chg | Chg % | Status |
|---|---|---|---|---|---|---|---|---|---|
| 1 | IVV | 9.54% | 52,496 | $35M | $669.31 | $3M | +248 | +0.5% | |
| 2 | AAPL | 5.08% | 73,530 | $19M | $254.63 | $4M | -437 | -0.6% | |
| 3 | SPDW | 3.89% | 334,841 | $14M | $42.79 | $698K | -1,781 | -0.5% | |
| 4 | VCSH | 3.47% | 160,084 | $13M | $79.93 | $1M | +13,744 | +9.4% | |
| 5 | DFSD | 2.91% | 222,452 | $11M | $48.19 | $918K | +18,281 | +8.9% | |
| 6 | SCHF | 2.87% | 454,186 | $11M | $23.28 | $265K | -12,266 | -2.6% | |
| 7 | SCHM | 2.59% | 321,516 | $10M | $29.64 | $284K | -8,099 | -2.5% | |
| 8 | VV | 2.26% | 26,998 | $8M | $307.86 | -$692K | -4,560 | -14.4% | |
| 9 | DFAT | 2.22% | 140,382 | $8M | $58.21 | $598K | +29 | +0.0% | |
| 10 | VTIP | 2.12% | 154,502 | $8M | $50.63 | $781K | +14,433 | +10.3% | |
| 11 | MSFT | 2.07% | 14,715 | $8M | $517.97 | $453K | +302 | +2.1% | |
| 12 | JPM | 2.05% | 23,978 | $8M | $315.43 | $526K | -296 | -1.2% | |
| 13 | SCHX | 2.00% | 279,777 | $7M | $26.34 | $466K | -2,673 | -0.9% | |
| 14 | DFEM | 1.98% | 227,460 | $7M | $32.07 | $455K | -3,002 | -1.3% | |
| 15 | TSLA | 1.95% | 16,120 | $7M | $444.72 | $2M | -1,627 | -9.2% | |
| 16 | VEA | 1.75% | 107,607 | $6M | $59.92 | $310K | -60 | -0.1% | |
| 17 | JPST | 1.74% | 126,281 | $6M | $50.73 | $142K | +2,681 | +2.2% | |
| 18 | NVDA | 1.71% | 33,809 | $6M | $186.58 | $2M | +6,099 | +22.0% | |
| 19 | DFUV | 1.61% | 132,726 | $6M | $44.69 | $282K | -887 | -0.7% | |
| 20 | DFSV | 1.56% | 180,376 | $6M | $31.84 | $668K | +7,944 | +4.6% | |
| 21 | GOOGL | 1.51% | 22,825 | $6M | $243.10 | $2M | +621 | +2.8% | |
| 22 | META | 1.35% | 6,746 | $5M | $734.36 | $345K | +502 | +8.0% | |
| 23 | BRK-B | 1.29% | 9,422 | $5M | $502.74 | $177K | +36 | +0.4% | |
| 24 | DFGP | 1.28% | 84,557 | $5M | $55.57 | $4M | +71,733 | +559.4% | |
| 25 | VOO | 1.24% | 7,455 | $5M | $612.39 | $43K | -506 | -6.4% | |
| 26 | DFAX | 1.21% | 141,465 | $4M | $31.38 | $511K | +7,716 | +5.8% | |
| 27 | VO | 1.19% | 14,964 | $4M | $293.75 | $165K | -156 | -1.0% | |
| 28 | IGSB | 1.19% | 82,861 | $4M | $53.03 | $560K | +10,197 | +14.0% | |
| 29 | VXUS | 1.19% | 59,580 | $4M | $73.46 | $63K | -2,857 | -4.6% | |
| 30 | VUG | 1.18% | 9,031 | $4M | $479.60 | $124K | -565 | -5.9% | |
| 31 | AVGO | 1.10% | 12,298 | $4M | $329.90 | $555K | -406 | -3.2% | |
| 32 | SCHD | 1.07% | 144,612 | $4M | $27.30 | $182K | +2,506 | +1.8% | |
| 33 | VNQI | 1.03% | 79,208 | $4M | $47.74 | $183K | +1,239 | +1.6% | |
| 34 | DFLV | 1.00% | 111,513 | $4M | $32.90 | $542K | +10,721 | +10.6% | |
| 35 | VB | 0.92% | 13,307 | $3M | $254.27 | $185K | -190 | -1.4% | |
| 36 | GLD | 0.92% | 9,487 | $3M | $355.47 | $375K | -345 | -3.5% | |
| 37 | DISV | 0.91% | 93,509 | $3M | $35.69 | $269K | +267 | +0.3% | |
| 38 | BILS | 0.84% | 31,136 | $3M | $99.52 | $475K | +4,752 | +18.0% | |
| 39 | LRCX | 0.80% | 21,935 | $3M | $133.90 | $755K | -485 | -2.2% | |
| 40 | VBR | 0.65% | 11,556 | $2M | $208.72 | $126K | -167 | -1.4% | |
| 41 | GLDM | 0.63% | 30,220 | $2M | $76.45 | $345K | +217 | +0.7% | |
| 42 | AMZN | 0.61% | 10,220 | $2M | $219.57 | $100K | +446 | +4.6% | |
| 43 | VTV | 0.56% | 11,125 | $2M | $186.50 | $120K | +62 | +0.6% | |
| 44 | DFAE | 0.56% | 65,623 | $2M | $31.53 | -$8K | -6,120 | -8.5% | |
| 45 | AVDV | 0.54% | 22,356 | $2M | $89.03 | $161K | -724 | -3.1% | |
| 46 | SCHB | 0.53% | 76,314 | $2M | $25.71 | $93K | -2,111 | -2.7% | |
| 47 | WPC | 0.52% | 28,200 | $2M | $67.57 | $124K | -352 | -1.2% | |
| 48 | VNQ | 0.44% | 17,659 | $2M | $91.42 | $76K | +381 | +2.2% | |
| 49 | VEU | 0.43% | 22,385 | $2M | $71.37 | $211K | +1,752 | +8.5% | |
| 50 | CSCO | 0.43% | 23,321 | $2M | $68.42 | $11K | +483 | +2.1% | |
| 51 | TSM | 0.42% | 5,543 | $2M | $279.29 | $326K | +149 | +2.8% | |
| 52 | CVX | 0.40% | 9,531 | $1M | $155.30 | $115K | — | — | |
| 53 | IWM | 0.40% | 6,014 | $1M | $241.96 | $111K | -217 | -3.5% | |
| 54 | VTI | 0.37% | 4,162 | $1M | $328.20 | $173K | +236 | +6.0% | |
| 55 | AVUV | 0.36% | 13,493 | $1M | $99.53 | $55K | -650 | -4.6% | |
| 56 | QCOM | 0.35% | 7,664 | $1M | $166.37 | $28K | -164 | -2.1% | |
| 57 | AMD | 0.35% | 7,870 | $1M | $161.79 | $140K | -113 | -1.4% | |
| 58 | SCHV | 0.34% | 42,697 | $1M | $29.11 | $49K | -460 | -1.1% | |
| 59 | SCHA | 0.33% | 43,265 | $1M | $27.90 | $106K | -237 | -0.5% | |
| 60 | VIG | 0.33% | 5,592 | $1M | $215.78 | $68K | +30 | +0.5% | |
| 61 | BAC | 0.31% | 22,059 | $1M | $51.59 | $60K | -732 | -3.2% | |
| 62 | FEZ | 0.31% | 18,181 | $1M | $62.12 | $30K | -223 | -1.2% | |
| 63 | SLV | 0.29% | 25,513 | $1M | $42.37 | $383K | +4,248 | +20.0% | |
| 64 | AVMC | 0.29% | 15,423 | $1M | $69.58 | $285K | +3,512 | +29.5% | |
| 65 | JNJ | 0.27% | 5,424 | $1M | $185.41 | $185K | +50 | +0.9% | |
| 66 | HD | 0.26% | 2,383 | $966K | $405.23 | $93K | +4 | +0.2% | |
| 67 | DFAC | 0.26% | 24,530 | $946K | $38.57 | $32K | -967 | -3.8% | |
| 68 | QQQ | 0.25% | 1,542 | $926K | $600.28 | $321K | +445 | +40.6% | |
| 69 | LMT | 0.25% | 1,821 | $909K | $499.12 | $55K | -22 | -1.2% | |
| 70 | SCHH | 0.25% | 42,015 | $906K | $21.57 | -$5K | -1,032 | -2.4% | |
| 71 | V | 0.25% | 2,651 | $905K | $341.39 | -$25K | +31 | +1.2% | |
| 72 | AMGN | 0.24% | 3,086 | $871K | $282.17 | $17K | +30 | +1.0% | |
| 73 | XLP | 0.24% | 11,050 | $866K | $78.37 | -$41K | -149 | -1.3% | |
| 74 | COST | 0.23% | 934 | $865K | $925.70 | $243K | +306 | +48.7% | |
| 75 | IBDX | 0.23% | 32,637 | $836K | $25.62 | $13K | +89 | +0.3% | |
| 76 | IBDW | 0.23% | 39,388 | $836K | $21.22 | $7K | — | — | |
| 77 | VWO | 0.23% | 15,294 | $829K | $54.18 | -$50K | -2,476 | -13.9% | |
| 78 | NFLX | 0.22% | 670 | $803K | $1,198.92 | -$79K | +11 | +1.7% | |
| 79 | VYM | 0.21% | 5,372 | $757K | $140.96 | $4K | -280 | -5.0% | |
| 80 | DFIC | 0.20% | 22,962 | $753K | $32.79 | $39K | — | — | |
| 81 | IJR | 0.20% | 6,327 | $752K | $118.82 | $61K | +2 | +0.0% | |
| 82 | BX | 0.20% | 4,390 | $750K | $170.85 | $94K | +7 | +0.2% | |
| 83 | SCHZ | 0.20% | 31,134 | $731K | $23.47 | -$53K | -2,587 | -7.7% | |
| 84 | BSV | 0.20% | 9,255 | $730K | $78.91 | -$54K | -708 | -7.1% | |
| 85 | VHT | 0.19% | 2,688 | $698K | $259.60 | $4K | -107 | -3.8% | |
| 86 | GOOG | 0.19% | 2,818 | $686K | $243.58 | $183K | -21 | -0.7% | |
| 87 | IBDV | 0.18% | 29,435 | $652K | $22.15 | $5K | — | — | |
| 88 | BNY | 0.18% | 5,961 | $650K | $108.96 | — | +5,961 | — | NEW |
| 89 | IVW | 0.18% | 5,352 | $646K | $120.72 | $57K | — | — | |
| 90 | SPY | 0.17% | 964 | $642K | $666.43 | $47K | — | — | |
| 91 | VUSB | 0.17% | 12,216 | $611K | $50.00 | -$9K | -215 | -1.7% | |
| 92 | SPSB | 0.16% | 19,923 | $603K | $30.29 | $5K | +109 | +0.6% | |
| 93 | DFAI | 0.16% | 15,771 | $573K | $36.35 | $24K | -112 | -0.7% | |
| 94 | IBM | 0.15% | 2,004 | $565K | $282.14 | -$9K | +56 | +2.9% | |
| 95 | SCHP | 0.15% | 20,818 | $561K | $26.95 | -$34K | -1,475 | -6.6% | |
| 96 | IEFA | 0.15% | 6,342 | $554K | $87.31 | $24K | — | — | |
| 97 | LQD | 0.15% | 4,947 | $551K | $111.47 | $5K | -36 | -0.7% | |
| 98 | JMST | 0.15% | 10,767 | $550K | $51.04 | $1K | — | — | |
| 99 | CAT | 0.15% | 1,125 | $537K | $477.02 | $97K | -8 | -0.7% | |
| 100 | IVE | 0.15% | 2,590 | $535K | $206.55 | $29K | — | — |