0001727917-18-000011.txt : 20181106 0001727917-18-000011.hdr.sgml : 20181106 20181105202101 ACCESSION NUMBER: 0001727917-18-000011 CONFORMED SUBMISSION TYPE: 13F-HR PUBLIC DOCUMENT COUNT: 2 CONFORMED PERIOD OF REPORT: 20180930 FILED AS OF DATE: 20181106 DATE AS OF CHANGE: 20181105 EFFECTIVENESS DATE: 20181106 FILER: COMPANY DATA: COMPANY CONFORMED NAME: Gradient Capital Advisors, LLC CENTRAL INDEX KEY: 0001727917 IRS NUMBER: 463539447 STATE OF INCORPORATION: CA FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 13F-HR SEC ACT: 1934 Act SEC FILE NUMBER: 028-18357 FILM NUMBER: 181161254 BUSINESS ADDRESS: STREET 1: 2125 POINSETTIA DRIVE CITY: SAN DIEGO STATE: CA ZIP: 92107 BUSINESS PHONE: 619-255-0700 MAIL ADDRESS: STREET 1: 2125 POINSETTIA DRIVE CITY: SAN DIEGO STATE: CA ZIP: 92107 13F-HR 1 primary_doc.xml 13F-HR LIVE false false false 0001727917 XXXXXXXX 09-30-2018 09-30-2018 Gradient Capital Advisors, LLC

2125 POINSETTIA DRIVE SAN DIEGO CA 92107

13F HOLDINGS REPORT 028-18357 N Timothy Sagawa 6192550700 Timothy Sagawa San Diego CA 11-05-2018 0 87 118594 false INFORMATION TABLE 2 gca13f09302018.xml AMAZON COM INC COM Stock 023135106 290 145 SH SOLE 0 0 0 145 AMAZON COM INC COM Stock 023135106 200 100 SH Call SOLE 0 0 0 100 JOHNSON & JOHNSON COM Stock 478160104 1008 7294 SH SOLE 0 0 0 7294 SPDR NUVEEN BLOOMBERG BARCLAYS SHORT TERM MUNICIPAL BOND ETF ETF 78468R739 319 6684 SH SOLE 0 0 0 6684 VANGUARD REAL ESTATE ETF ETF 922908553 880 10904 SH SOLE 0 0 0 10904 INTEL CORP COM Stock 458140100 515 10896 SH SOLE 0 0 0 10895 NETFLIX INC COM Stock 64110L106 325 870 SH SOLE 0 0 0 870 SPDR DOW JONES GLOBAL REAL ESTATE ETF ETF 78463X749 1086 22828 SH SOLE 0 0 0 22828 ISHARES TIPS BOND ETF ETF 464287176 638 5772 SH SOLE 0 0 0 5772 ISHARES COHEN & STEERS REIT ETF ETF 464287564 328 3275 SH SOLE 0 0 0 3275 ISHARES S&P/CITIGROUP INTERNATIONAL TREASURY BOND FUND EX-US ETF 464288117 227 4716 SH SOLE 0 0 0 4716 ISHARES CALIFORNIA MUNI BOND ETF ETF 464288356 332 5721 SH SOLE 0 0 0 5720 HOME DEPOT INC COM Stock 437076102 410 1979 SH SOLE 0 0 0 1979 INVESCO CALIFORNIA AMT-FREE MUNICIPAL BOND ETF ETF 46138E206 214 8384 SH SOLE 0 0 0 8384 SPDR GOLD SHARES ETF 78463V107 719 6374 SH SOLE 0 0 0 6374 SCHWAB U.S. SMALL-CAP ETF ETF 808524607 621 8149 SH SOLE 0 0 0 8149 SCHWAB U.S. BROAD MARKET ETF ETF 808524102 923 13108 SH SOLE 0 0 0 13108 SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805 11327 337818 SH SOLE 0 0 0 337818 SCHWAB U.S. LARGE-CAP ETF ETF 808524201 3961 56950 SH SOLE 0 0 0 56950 CONSUMER STAPLES SELECT SECTOR SPDR FUND ETF 81369Y308 816 15138 SH SOLE 0 0 0 15138 JPMORGAN ULTRA-SHORT INCOME ETF ETF 46641Q837 983 19606 SH SOLE 0 0 0 19606 SPDR PORTFOLIO SHORT TERM CORPORATE BOND ETF ETF 78464A474 596 19746 SH SOLE 0 0 0 19746 ISHARES S&P SMALL-CAP FUND ETF 464287804 687 7874 SH SOLE 0 0 0 7874 BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702 1125 5255 SH SOLE 0 0 0 5255 SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706 232 9041 SH SOLE 0 0 0 9041 VANGUARD SHORT-TERM CORPORATE BOND INDEX FUND ETF 92206C409 6420 82142 SH SOLE 0 0 0 82142 ALPHABET INC CAP STK CL A Stock 02079K305 385 319 SH SOLE 0 0 0 319 MICROSOFT CORP COM Stock 594918104 594 5196 SH SOLE 0 0 0 5195 BOEING CO COM Stock 097023105 584 1571 SH SOLE 0 0 0 1570 VANGUARD SMALL-CAP INDEX FUND ETF 922908751 2464 15158 SH SOLE 0 0 0 15158 VANGUARD MID-CAP INDEX FUND ETF 922908629 1495 9106 SH SOLE 0 0 0 9105 VANGUARD LARGE-CAP INDEX FUND ETF 922908637 2707 20272 SH SOLE 0 0 0 20272 VANGUARD HEALTH CARE INDEX FUND ETF 92204A504 423 2346 SH SOLE 0 0 0 2346 SCHWAB SHORT-TERM U.S. TREASURY ETF ETF 808524862 2062 41596 SH SOLE 0 0 0 41596 SCHWAB U.S. LARGE-CAP VALUE ETF ETF 808524409 527 9405 SH SOLE 0 0 0 9405 SCHWAB U.S. TIPS ETF ETF 808524870 526 9753 SH SOLE 0 0 0 9753 VANGUARD S&P 500 ETF ETF 922908363 2307 8638 SH SOLE 0 0 0 8638 VANGUARD GLOBAL EX-U.S. REAL ESTATE INDEX ETF 922042676 1590 28299 SH SOLE 0 0 0 28299 ISHARES 0-5 YEAR TIPS BOND ETF ETF 46429B747 568 5753 SH SOLE 0 0 0 5752 SPDR S&P 600 SMALL CAP VALUE ETF ETF 78464A300 262 3842 SH SOLE 0 0 0 3841 SCHWAB U.S. REIT ETF ETF 808524847 1948 46670 SH SOLE 0 0 0 46670 SCHWAB U.S. MID-CAP ETF ETF 808524508 3378 58403 SH SOLE 0 0 0 58403 VANGUARD TOTAL INTERNATIONAL STOCK ETF ETF 921909768 2424 44897 SH SOLE 0 0 0 44896 ISHARES RUSSELL 2000 ETF ETF 464287655 398 2360 SH SOLE 0 0 0 2360 INVESCO S&P 500 LOW VOLATILITY ETF ETF 46138E354 371 7496 SH SOLE 0 0 0 7496 VANGUARD SMALL-CAP VALUE INDEX FUND ETF 922908611 601 4313 SH SOLE 0 0 0 4313 PIMCO 0-5 YEAR HIGH YIELD CORPORATE BOND INDEX EXCHANGE-TRADED FUND ETF 72201R783 388 3857 SH SOLE 0 0 0 3857 SCHWAB US AGGREGATE BOND ETF ETF 808524839 2032 40444 SH SOLE 0 0 0 40444 SPDR NUVEEN S&P HIGH YIELD MUNICIPAL BOND ETF ETF 78464A284 553 9820 SH SOLE 0 0 0 9820 SCHWAB US DIVIDEND EQUITY ETF ETF 808524797 587 11079 SH SOLE 0 0 0 11079 VANGUARD VALUE INDEX FUND ETF 922908744 255 2302 SH SOLE 0 0 0 2301 VANGUARD GROWTH INDEX FUND ETF 922908736 1262 7834 SH SOLE 0 0 0 7834 SPDR BLOOMBERG BARCLAYS SHORT TERM HIGH YIELD BOND ETF ETF 78468R408 344 12457 SH SOLE 0 0 0 12457 FACEBOOK INC CL A Stock 30303M102 1228 7467 SH SOLE 0 0 0 7467 INVESCO BULLETSHARES 2018 CORPORATE BOND ETF ETF 46138J106 1484 70145 SH SOLE 0 0 0 70145 INVESCO BULLETSHARES 2019 CORPORATE BOND ETF ETF 46138J304 363 17197 SH SOLE 0 0 0 17197 W P CAREY INC COM REIT 92936U109 206 3207 SH SOLE 0 0 0 3207 VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF ETF 922020805 8137 168215 SH SOLE 0 0 0 168215 WISDOMTREE U.S. TOTAL DIVIDEND FUND ETF 97717W109 473 4927 SH SOLE 0 0 0 4927 SPDR BLOOMBERG BARCLAYS INVESTMENT GRADE FLOATING RATE ETF ETF 78468R200 8027 260701 SH SOLE 0 0 0 260701 ISHARES SHORT-TERM CORPORATE BOND ETF ETF 464288646 1166 22501 SH SOLE 0 0 0 22501 PGIM GLOBAL SHORT DURATION HIG COM CEF 69346J106 454 32708 SH SOLE 0 0 0 32708 VANGUARD TOTAL BOND MARKET INDEX FUND ETF 921937835 259 3287 SH SOLE 0 0 0 3287 VANGUARD FTSE ALL-WORLD EX US INDEX FUND ETF 922042775 680 13058 SH SOLE 0 0 0 13058 ISHARES MSCI GLOBAL ENERGY PRODUCERS ETF ETF 464286343 723 30282 SH SOLE 0 0 0 30282 QUALCOMM INC COM Stock 747525103 322 4470 SH SOLE 0 0 0 4470 ISHARES S&P 500 VALUE ETF ETF 464287408 417 3596 SH SOLE 0 0 0 3596 ISHARES CORE S&P 500 ETF ETF 464287200 11603 39638 SH SOLE 0 0 0 39637 JPMORGAN CHASE & CO COM Stock 46625H100 1399 12396 SH SOLE 0 0 0 12395 CHEVRON CORP NEW COM Stock 166764100 377 3082 SH SOLE 0 0 0 3082 VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 1327 30676 SH SOLE 0 0 0 30676 BANK AMER CORP COM Stock 060505104 525 17813 SH SOLE 0 0 0 17812 VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858 573 13964 SH SOLE 0 0 0 13964 ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF ETF 464287242 705 6132 SH SOLE 0 0 0 6132 MORGAN STANLEY COM NEW Stock 617446448 213 4584 SH SOLE 0 0 0 4583 GILEAD SCIENCES INC COM Stock 375558103 358 4636 SH SOLE 0 0 0 4635 ALPHABET INC CAP STK CL C Stock 02079K107 273 229 SH SOLE 0 0 0 229 VANGUARD DIVIDEND APPRECIATION INDEX FUND ETF 921908844 229 2070 SH SOLE 0 0 0 2070 ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226 831 7871 SH SOLE 0 0 0 7871 ISHARES CORE TOTAL USD BOND MARKET ETF ETF 46434V613 610 12419 SH SOLE 0 0 0 12419 VANGUARD SHORT-TERM BOND INDEX FUND ETF 921937827 1886 24175 SH SOLE 0 0 0 24174 LAM RESEARCH CORP COM Stock 512807108 304 2003 SH SOLE 0 0 0 2003 ISHARES S&P MIDCAP FUND ETF 464287507 262 1301 SH SOLE 0 0 0 1301 ISHARES MSCI EAFE ETF ETF 464287465 450 6619 SH SOLE 0 0 0 6619 APPLE INC COM Stock 037833100 5693 25219 SH SOLE 0 0 0 25218 DISNEY WALT CO COM DISNEY Stock 254687106 241 2065 SH SOLE 0 0 0 2064 ISHARES RUSSELL 1000 ETF ETF 464287622 579 3579 SH SOLE 0 0 0 3579