Gradient Capital Advisors, LLC

RIA/Wealth

Gradient Capital Advisors, LLC is a RIA/Wealth based in San Diego, CA led by Rodney Allen Simms, reporting $637.5M in AUM as of Q3 2025 with 71% ETF concentration.

PartnerRodney Allen Simms

Portfolio Value: $373.1M
Positions: 167
Top Holding: IVV at 9.42%
Last Reported: Q3 2025

Address2125 Poinsettia Drive, San Diego, CA, 92107, United States

Top Holdings

Largest long holdings in Gradient Capital Advisors, LLC's portfolio (36.5% of total portfolio)

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Holding	Sector	Position	Weight	Traded	Ownership	Owned Since
1 iShares Core S&P 500 ETF IVV	ETF ETF	$35.1M	9.42%	+$166.0K Bought	— 52.5K shares	Q4 2017 Held for 7y 11m
2 Apple AAPL	Consumer Electronics Technology	$18.7M	5.02%	-$111.3K Sold	0.00% 73.5K shares	Q4 2017 Held for 7y 11m
3 SPDR Portfolio Developed World ex-US ETF SPDW	ETF ETF	$14.3M	3.84%	-$76.2K Sold	— 334.8K shares	Q2 2019 Held for 6y 5m
4 Vanguard Short-Term Corporate Bond VCSH	ETF ETF	$12.8M	3.43%	+$1.1M Bought	— 160.1K shares	Q4 2017 Held for 7y 11m
5 DFSD Dimensional Short-Duration Fixed Income DFSD	ETF ETF	$10.7M	2.87%	+$881.0K Bought	— 222.5K shares	Q4 2021 Held for 3y 11m
6 Schwab International Equity SCHF	ETF ETF	$10.6M	2.83%	-$285.6K Sold	— 454.2K shares	Q4 2017 Held for 7y 11m
7 Schwab U.S. Mid-Cap ETF SCHM	ETF ETF	$9.5M	2.55%	-$240.1K Sold	— 321.5K shares	Q4 2017 Held for 7y 11m
8 Vanguard Large-Cap VV	ETF ETF	$8.3M	2.23%	-$1.4M Sold	— 27.0K shares	Q4 2017 Held for 7y 11m
9 Dimensional U.S. Targeted Value DFAT	ETF ETF	$8.2M	2.19%	+$1.7K Bought	— 140.4K shares	Q2 2021 Held for 4y 5m
10 VTIP Vanguard Short-Term Inflation-Protected Securities Index Fund VTIP	ETF ETF	$7.8M	2.10%	+$730.7K Bought	— 154.5K shares	Q4 2017 Held for 7y 11m

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Changes

Portfolio activity, position movements, and quarter-over-quarter changes in Gradient Capital Advisors, LLC's latest filing

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Market Value

$373.1M

Prior: $338.5M

Q/Q Change

+10.21%

+$34.6M

Net Flows % of MV

+2.09%

Turnover Ratio

2.97%

New Purchases

8 stocks

$2.1M

Added To

67 stocks

+$12.8M

Sold Out Of

4 stocks

$1.4M

Reduced Holdings

57 stocks

-$5.7M

Increased Positions

Position	Shares Δ	Change
1 Bank of New York Mellon BK	New	0 → 6.0K +$649.5K
2 Technology Select Sector SPDR Fund XLK	New	0 → 1.1K +$321.3K
3 Palantir Technologies Inc. PLTR	New	0 → 1.6K +$294.8K
4 TJX Companies TJX	New	0 → 1.5K +$214.5K
5 SPDR S&P Regional Banking KRE	New	0 → 3.3K +$210.3K

Decreased Positions

Position	Shares Δ	Change
1 BlackRock High Yield Muni Income Bond HYMU	Sold	34.6K → 0 −$772.7K
2 Intuitive Surgical ISRG	Sold	397.0 → 0 −$215.7K
3 JCPI JPMorgan Inflation Managed Bond JCPI	Sold	4.2K → 0 −$200.3K
4 Alphatec Holdings ATEC	Sold	15.0K → 0 −$166.5K
5 Energy Select Sector SPDR Fund XLE	-32.32%	4.6K → 3.1K −$131.6K

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Analytics

Portfolio insights and performance metrics for Gradient Capital Advisors, LLC

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Sector Allocation

ETF

70.90%

Technology

13.00%

Financial Services

4.60%

Communication Services

3.30%

Consumer Cyclical

3.00%

Healthcare

0.80%

Industrials

0.60%

Energy

0.50%

Real Estate

0.50%

Consumer Defensive

0.40%

Utilities

0.20%

Market Cap Distribution

Mega Cap (> $200B)

22.62%

Large Cap ($10B - $200B)

3.72%

Small Cap ($300M - $2B)

0.09%

Micro Cap ($50M - $300M)

0.01%

N/A (ETF or Unknown)

73.55%

Portfolio Concentration

Top 10 Holdings %

36.48%

Top 20 Holdings %

54.67%

Top 50 Holdings %

82.29%

Top 100 Holdings %

94.46%