Asset Manager
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Gradient Capital Advisors, LLC
2125 POINSETTIA DRIVE, SAN DIEGO, CA 92107 • 619-255-0700
Market Value
$381M
-0.7%
Holdings
179
+3
New Purchases
6
Added To
46
Closed
3
Reduced
78
Top 10 Concentration
37.1%
Turnover
5.0%
Top Buys (by % of Portfolio)
| Symbol | Cur % | Prior % | Chg % | Value |
|---|---|---|---|---|
| EMXC | 0.78% | 0.00% | +0.78% | $3M |
| DFGP | 3.08% | 2.32% | +0.76% | $12M |
| LRCX | 1.16% | 0.95% | +0.20% | $4M |
| DFSV | 1.87% | 1.70% | +0.18% | $7M |
| SCHD | 1.20% | 1.03% | +0.17% | $5M |
| VTIP | 2.12% | 1.98% | +0.14% | $8M |
| CVX | 0.50% | 0.37% | +0.13% | $2M |
| DFSD | 2.94% | 2.81% | +0.13% | $11M |
| EWJV | 0.12% | 0.00% | +0.12% | $441K |
| DFLV | 1.21% | 1.10% | +0.11% | $5M |
| GLD | 1.07% | 0.96% | +0.10% | $4M |
| FEOE | 0.10% | 0.00% | +0.10% | $371K |
| DFEM | 2.08% | 1.99% | +0.10% | $8M |
| MU | 0.09% | 0.00% | +0.09% | $361K |
| VCSH | 3.67% | 3.58% | +0.09% | $14M |
Top Sells (by % of Portfolio)
| Symbol | Cur % | Prior % | Chg % | Value |
|---|---|---|---|---|
| MSFT | 1.36% | 1.83% | -0.46% | $5M |
| TSLA | 1.33% | 1.79% | -0.46% | $5M |
| AAPL | 4.77% | 5.16% | -0.39% | $18M |
| VUG | 0.83% | 1.11% | -0.28% | $3M |
| IVV | 9.08% | 9.32% | -0.24% | $35M |
| JPM | 1.75% | 1.94% | -0.19% | $7M |
| META | 0.96% | 1.15% | -0.19% | $4M |
| BILS | 0.58% | 0.75% | -0.17% | $2M |
| INTU | 0.11% | 0.23% | -0.12% | $403K |
| QCOM | 0.17% | 0.29% | -0.12% | $656K |
| AVGO | 0.90% | 1.02% | -0.11% | $3M |
| SCHX | 1.76% | 1.87% | -0.11% | $7M |
| VV | 1.98% | 2.08% | -0.10% | $8M |
| NVDA | 1.49% | 1.59% | -0.10% | $6M |
| JPST | 1.39% | 1.47% | -0.08% | $5M |
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 | 50 | $149M | 39.1% |
| Large Cap | 91 | $167M | 43.9% |
| Mid Cap | 20 | $58M | 15.2% |
| Small Cap | 15 | $6M | 1.7% |
| Micro Cap | 3 | $646K | 0.2% |
Portfolio Analytics
Avg Market Cap
$349.7B
Median Market Cap
$68.7B
Avg P/E
35.1
Median P/E
22.0
Avg Dividend Yield
0.02%
Avg Beta
0.90
# Stocks
67
# ETFs / Funds
112
Top Holdings (179 total)
| # | Symbol | % Port | Shares | Value | Avg Price | Q/Q Value Chg | Share Chg | Chg % | Status |
|---|---|---|---|---|---|---|---|---|---|
| 1 | IVV | 9.08% | 52,890 | $35M | $653.21 | -$1M | +746 | +1.4% | |
| 2 | AAPL | 4.77% | 71,602 | $18M | $253.79 | -$2M | -1,164 | -1.6% | |
| 3 | SPDW | 3.78% | 315,068 | $14M | $45.65 | $83K | -6,931 | -2.1% | |
| 4 | VCSH | 3.67% | 176,181 | $14M | $79.27 | $259K | +4,259 | +2.5% | |
| 5 | DFGP | 3.08% | 217,002 | $12M | $53.99 | $3M | +52,666 | +32.0% | |
| 6 | DFSD | 2.94% | 233,695 | $11M | $47.88 | $427K | +9,237 | +4.1% | |
| 7 | SCHF | 2.83% | 435,148 | $11M | $24.75 | -$8K | -13,201 | -2.9% | |
| 8 | SCHM | 2.52% | 309,690 | $10M | $30.96 | $86K | -6,291 | -2.0% | |
| 9 | DFAT | 2.27% | 138,540 | $9M | $62.45 | $283K | -2,025 | -1.4% | |
| 10 | VTIP | 2.12% | 161,880 | $8M | $49.95 | $500K | +8,497 | +5.5% | |
| 11 | DFEM | 2.08% | 229,480 | $8M | $34.55 | $310K | -824 | -0.4% | |
| 12 | VV | 1.98% | 25,213 | $8M | $298.85 | -$437K | -110 | -0.4% | |
| 13 | VEA | 1.94% | 114,961 | $7M | $64.08 | $298K | +1,803 | +1.6% | |
| 14 | GOOGL | 1.89% | 25,073 | $7M | $287.56 | -$336K | +965 | +4.0% | |
| 15 | DFSV | 1.87% | 203,594 | $7M | $35.04 | $634K | +5,963 | +3.0% | |
| 16 | SCHX | 1.76% | 261,172 | $7M | $25.64 | -$458K | -4,688 | -1.8% | |
| 17 | JPM | 1.75% | 22,672 | $7M | $294.15 | -$782K | -452 | -1.9% | |
| 18 | DFUV | 1.60% | 125,919 | $6M | $48.46 | $24K | -4,530 | -3.5% | |
| 19 | NVDA | 1.49% | 32,507 | $6M | $174.40 | -$413K | -107 | -0.3% | |
| 20 | JPST | 1.39% | 104,256 | $5M | $50.61 | -$356K | -7,073 | -6.3% | |
| 21 | MSFT | 1.36% | 14,016 | $5M | $370.18 | -$2M | -454 | -3.1% | |
| 22 | TSLA | 1.33% | 13,602 | $5M | $371.75 | -$2M | -1,629 | -10.7% | |
| 23 | DFAX | 1.28% | 143,898 | $5M | $33.97 | $220K | +1,257 | +0.9% | |
| 24 | BRK-B | 1.23% | 9,741 | $5M | $479.20 | -$113K | +229 | +2.4% | |
| 25 | DFLV | 1.21% | 128,656 | $5M | $35.71 | $383K | +5,542 | +4.5% | |
| 26 | SCHD | 1.20% | 149,003 | $5M | $30.68 | $631K | +5,343 | +3.7% | |
| 27 | IGSB | 1.18% | 85,562 | $4M | $52.56 | -$40K | -232 | -0.3% | |
| 28 | LRCX | 1.16% | 20,607 | $4M | $213.66 | $747K | -750 | -3.5% | |
| 29 | VXUS | 1.13% | 55,891 | $4M | $77.11 | -$98K | -2,536 | -4.3% | |
| 30 | VOO | 1.10% | 7,027 | $4M | $597.55 | -$255K | -75 | -1.1% | |
| 31 | VO | 1.08% | 14,315 | $4M | $287.17 | -$126K | -284 | -1.9% | |
| 32 | GLD | 1.07% | 9,446 | $4M | $430.29 | $372K | +130 | +1.4% | |
| 33 | META | 0.96% | 6,393 | $4M | $572.09 | -$759K | -298 | -4.5% | |
| 34 | VNQI | 0.96% | 82,029 | $4M | $44.45 | -$86K | +605 | +0.7% | |
| 35 | DISV | 0.95% | 91,295 | $4M | $39.44 | -$31K | -4,284 | -4.5% | |
| 36 | AVGO | 0.90% | 11,131 | $3M | $309.52 | -$460K | -152 | -1.4% | |
| 37 | VB | 0.89% | 12,940 | $3M | $261.92 | $26K | -97 | -0.7% | |
| 38 | VUG | 0.83% | 7,241 | $3M | $436.82 | -$1M | -1,514 | -17.3% | |
| 39 | EMXC | 0.78% | 37,853 | $3M | $78.66 | — | +37,853 | — | NEW |
| 40 | GLDM | 0.63% | 25,883 | $2M | $92.69 | $24K | -1,935 | -7.0% | |
| 41 | VTV | 0.58% | 11,267 | $2M | $196.19 | $111K | +274 | +2.5% | |
| 42 | BILS | 0.58% | 22,093 | $2M | $99.44 | -$661K | -6,714 | -23.3% | |
| 43 | VBR | 0.56% | 9,878 | $2M | $217.24 | -$253K | -1,448 | -12.8% | |
| 44 | AVDV | 0.56% | 21,489 | $2M | $99.86 | $81K | -486 | -2.2% | |
| 45 | AMZN | 0.55% | 9,977 | $2M | $208.27 | -$239K | -59 | -0.6% | |
| 46 | DFAE | 0.52% | 58,748 | $2M | $33.86 | -$37K | -3,475 | -5.6% | |
| 47 | TSM | 0.52% | 5,868 | $2M | $337.95 | $195K | -16 | -0.3% | |
| 48 | CVX | 0.50% | 9,242 | $2M | $206.89 | $500K | -26 | -0.3% | |
| 49 | WPC | 0.50% | 27,925 | $2M | $67.96 | $96K | -72 | -0.3% | |
| 50 | CSCO | 0.50% | 24,308 | $2M | $77.59 | -$17K | -395 | -1.6% | |
| 51 | SCHB | 0.46% | 69,550 | $2M | $25.10 | -$70K | +324 | +0.5% | |
| 52 | VNQ | 0.45% | 19,131 | $2M | $88.70 | -$20K | -270 | -1.4% | |
| 53 | AVMC | 0.43% | 22,776 | $2M | $72.24 | $225K | +2,669 | +13.3% | |
| 54 | SLV | 0.43% | 23,899 | $2M | $68.14 | $36K | -814 | -3.3% | |
| 55 | BNY | 0.42% | 13,395 | $2M | $118.63 | $40K | +53 | +0.4% | |
| 56 | VEU | 0.41% | 20,839 | $2M | $75.10 | -$11K | -583 | -2.7% | |
| 57 | AVUV | 0.38% | 12,981 | $1M | $110.47 | $100K | -97 | -0.7% | |
| 58 | IWM | 0.36% | 5,584 | $1M | $248.00 | -$9K | -80 | -1.4% | |
| 59 | JNJ | 0.35% | 5,389 | $1M | $244.42 | $194K | -40 | -0.7% | |
| 60 | VTI | 0.35% | 4,095 | $1M | $320.81 | -$49K | +30 | +0.7% | |
| 61 | SCHA | 0.34% | 44,481 | $1M | $29.08 | -$4K | -1,061 | -2.3% | |
| 62 | SCHV | 0.31% | 39,148 | $1M | $30.50 | -$65K | -3,379 | -8.0% | |
| 63 | AMGN | 0.29% | 3,096 | $1M | $351.85 | $78K | +7 | +0.2% | |
| 64 | VIG | 0.28% | 4,926 | $1M | $215.04 | -$156K | -604 | -10.9% | |
| 65 | BAC | 0.28% | 21,697 | $1M | $48.75 | -$132K | +59 | +0.3% | |
| 66 | LMT | 0.28% | 1,733 | $1M | $604.34 | $213K | +7 | +0.4% | |
| 67 | AMD | 0.26% | 4,910 | $999K | $203.43 | -$169K | -543 | -10.0% | |
| 68 | SGOV | 0.26% | 9,860 | $993K | $100.66 | $24K | +207 | +2.1% | |
| 69 | DFAC | 0.26% | 25,524 | $992K | $38.86 | $10K | +721 | +2.9% | |
| 70 | FEZ | 0.25% | 15,485 | $961K | $62.08 | -$68K | -494 | -3.1% | |
| 71 | COST | 0.25% | 941 | $937K | $996.17 | $127K | +2 | +0.2% | |
| 72 | XLP | 0.24% | 11,055 | $906K | $81.98 | $48K | +2 | +0.0% | |
| 73 | IBDX | 0.23% | 34,329 | $868K | $25.27 | $4K | +505 | +1.5% | |
| 74 | SCHH | 0.23% | 39,881 | $857K | $21.49 | -$16K | -1,896 | -4.5% | |
| 75 | BSV | 0.22% | 10,894 | $854K | $78.41 | $14K | +228 | +2.1% | |
| 76 | IBDW | 0.22% | 40,801 | $854K | $20.93 | -$9K | — | — | |
| 77 | DFIC | 0.21% | 22,962 | $816K | $35.53 | $25K | — | — | |
| 78 | GOOG | 0.21% | 2,819 | $809K | $286.82 | -$76K | +1 | +0.0% | |
| 79 | QQQ | 0.21% | 1,386 | $800K | $576.99 | -$120K | -111 | -7.4% | |
| 80 | V | 0.21% | 2,629 | $795K | $302.27 | -$127K | — | — | |
| 81 | IJR | 0.21% | 6,329 | $787K | $124.31 | $26K | +1 | +0.0% | |
| 82 | VYM | 0.21% | 5,307 | $786K | $148.09 | $14K | -70 | -1.3% | |
| 83 | HD | 0.20% | 2,365 | $778K | $328.83 | -$35K | +3 | +0.1% | |
| 84 | CAT | 0.20% | 1,056 | $748K | $708.33 | $107K | -64 | -5.7% | |
| 85 | VHT | 0.19% | 2,719 | $741K | $272.35 | -$53K | -37 | -1.3% | |
| 86 | SCHZ | 0.18% | 29,746 | $691K | $23.22 | -$15K | -438 | -1.4% | |
| 87 | IBDV | 0.17% | 29,999 | $657K | $21.89 | -$5K | — | — | |
| 88 | QCOM | 0.17% | 5,097 | $656K | $128.79 | -$461K | -1,438 | -22.0% | |
| 89 | NFLX | 0.17% | 6,705 | $645K | $96.15 | $28K | +125 | +1.9% | |
| 90 | XONA.DE | 0.16% | 3,696 | $627K | $169.65 | $179K | -25 | -0.7% | |
| 91 | VWO | 0.16% | 11,431 | $618K | $54.05 | -$107K | -2,049 | -15.2% | |
| 92 | DFAI | 0.16% | 15,599 | $608K | $38.96 | $7K | -172 | -1.1% | |
| 93 | IVW | 0.16% | 5,352 | $605K | $113.11 | -$54K | — | — | |
| 94 | SPSB | 0.15% | 19,432 | $584K | $30.07 | -$2K | +7 | +0.0% | |
| 95 | IEFA | 0.15% | 6,372 | $577K | $90.53 | -$9K | -173 | -2.6% | |
| 96 | SCHP | 0.14% | 20,703 | $551K | $26.61 | $2K | — | — | |
| 97 | VUSB | 0.14% | 10,875 | $541K | $49.79 | -$598 | — | — | |
| 98 | LQD | 0.14% | 4,948 | $539K | $108.98 | -$5K | +8 | +0.2% | |
| 99 | IVE | 0.14% | 2,523 | $533K | $211.15 | -$2K | — | — | |
| 100 | SPY | 0.14% | 818 | $532K | $649.97 | -$116K | -131 | -13.8% |