0001727917-20-000008.txt : 20201021 0001727917-20-000008.hdr.sgml : 20201021 20201021133000 ACCESSION NUMBER: 0001727917-20-000008 CONFORMED SUBMISSION TYPE: 13F-HR PUBLIC DOCUMENT COUNT: 2 CONFORMED PERIOD OF REPORT: 20200930 FILED AS OF DATE: 20201021 DATE AS OF CHANGE: 20201021 EFFECTIVENESS DATE: 20201021 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: 201250179 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 09-30-2020 09-30-2020 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 10-21-2020 0 99 160153 false INFORMATION TABLE 2 gca13f09302020.xml AMAZON COM INC COM Stock 023135106 743 236 SH SOLE 0 0 0 236 INVESCO QQQ TRUST ETF 46090E103 273 982 SH SOLE 0 0 0 982 STARBUCKS CORP COM Stock 855244109 238 2769 SH SOLE 0 0 0 2768 STARBUCKS CORP COM Stock 855244109 60 700 SH Call SOLE 0 0 0 700 STARBUCKS CORP COM Stock 855244109 17 200 SH Put SOLE 0 0 0 200 JOHNSON & JOHNSON COM Stock 478160104 853 5731 SH SOLE 0 0 0 5731 VANGUARD TOTAL STOCK MARKET INDEX FUND ETF 922908769 701 4114 SH SOLE 0 0 0 4114 PROCTER AND GAMBLE CO COM Stock 742718109 247 1777 SH SOLE 0 0 0 1776 VANGUARD REAL ESTATE ETF ETF 922908553 1536 19457 SH SOLE 0 0 0 19457 INTEL CORP COM Stock 458140100 617 11915 SH SOLE 0 0 0 11915 NETFLIX INC COM Stock 64110L106 436 872 SH SOLE 0 0 0 872 SPDR DOW JONES GLOBAL REAL ESTATE ETF ETF 78463X749 939 23764 SH SOLE 0 0 0 23764 SPDR S&P 500 ETF ETF 78462F103 460 1375 SH SOLE 0 0 0 1375 SPDR S&P 500 ETF ETF 78462F103 268 800 SH Put SOLE 0 0 0 800 SPDR S&P 500 ETF ETF 78462F103 100 300 SH Put SOLE 0 0 0 300 ISHARES TIPS BOND ETF ETF 464287176 476 3766 SH SOLE 0 0 0 3766 ISHARES COHEN & STEERS REIT ETF ETF 464287564 306 3004 SH SOLE 0 0 0 3004 ISHARES S&P/CITIGROUP INTERNATIONAL TREASURY BOND FUND EX-US ETF 464288117 249 4716 SH SOLE 0 0 0 4716 HOME DEPOT INC COM Stock 437076102 583 2101 SH SOLE 0 0 0 2101 INVESCO CALIFORNIA AMT-FREE MUNICIPAL BOND ETF ETF 46138E206 479 17344 SH SOLE 0 0 0 17344 SPDR GOLD SHARES ETF 78463V107 671 3790 SH SOLE 0 0 0 3790 SCHWAB U.S. SMALL-CAP ETF ETF 808524607 1131 16561 SH SOLE 0 0 0 16560 SCHWAB U.S. BROAD MARKET ETF ETF 808524102 1205 15135 SH SOLE 0 0 0 15134 SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805 8541 272019 SH SOLE 0 0 0 272019 SCHWAB U.S. LARGE-CAP ETF ETF 808524201 4392 54467 SH SOLE 0 0 0 54467 CONSUMER STAPLES SELECT SECTOR SPDR FUND ETF 81369Y308 815 12715 SH SOLE 0 0 0 12715 JPMORGAN ULTRA-SHORT INCOME ETF ETF 46641Q837 10084 198522 SH SOLE 0 0 0 198522 SPDR PORTFOLIO SHORT TERM CORPORATE BOND ETF ETF 78464A474 1254 39970 SH SOLE 0 0 0 39970 ISHARES S&P SMALL-CAP FUND ETF 464287804 515 7335 SH SOLE 0 0 0 7334 BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702 1206 5662 SH SOLE 0 0 0 5662 SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706 676 25247 SH SOLE 0 0 0 25247 VANGUARD SHORT-TERM CORPORATE BOND INDEX FUND ETF 92206C409 4574 55209 SH SOLE 0 0 0 55208 ALPHABET INC CAP STK CL A Stock 02079K305 585 399 SH SOLE 0 0 0 399 SCHWAB INTERNATIONAL SMALL-CAP EQUITY ETF ETF 808524888 376 11544 SH SOLE 0 0 0 11544 MICROSOFT CORP COM Stock 594918104 2612 12419 SH SOLE 0 0 0 12419 SPDR GOLD MINISHARES TRUST ETF 98149E204 562 29902 SH SOLE 0 0 0 29902 BOEING CO COM Stock 097023105 309 1870 SH SOLE 0 0 0 1870 VANGUARD SMALL-CAP INDEX FUND ETF 922908751 2475 16092 SH SOLE 0 0 0 16092 VANGUARD MID-CAP INDEX FUND ETF 922908629 2393 13576 SH SOLE 0 0 0 13575 VANGUARD LARGE-CAP INDEX FUND ETF 922908637 3033 19385 SH SOLE 0 0 0 19384 TESLA INC COM Stock 88160R101 3457 8058 SH SOLE 0 0 0 8058 VANGUARD HEALTH CARE INDEX FUND ETF 92204A504 569 2792 SH SOLE 0 0 0 2791 SCHWAB SHORT-TERM U.S. TREASURY ETF ETF 808524862 2750 53395 SH SOLE 0 0 0 53395 SCHWAB U.S. LARGE-CAP VALUE ETF ETF 808524409 572 10957 SH SOLE 0 0 0 10957 SCHWAB U.S. TIPS ETF ETF 808524870 667 10821 SH SOLE 0 0 0 10821 VANGUARD S&P 500 ETF ETF 922908363 1637 5321 SH SOLE 0 0 0 5321 VANGUARD GLOBAL EX-U.S. REAL ESTATE INDEX ETF 922042676 1944 39990 SH SOLE 0 0 0 39990 ISHARES 0-5 YEAR TIPS BOND ETF ETF 46429B747 816 7838 SH SOLE 0 0 0 7838 SCHWAB U.S. REIT ETF ETF 808524847 2089 59061 SH SOLE 0 0 0 59061 SCHWAB U.S. MID-CAP ETF ETF 808524508 3825 68943 SH SOLE 0 0 0 68943 VANGUARD TOTAL INTERNATIONAL STOCK ETF ETF 921909768 3161 60600 SH SOLE 0 0 0 60599 ISHARES RUSSELL 2000 ETF ETF 464287655 249 1659 SH SOLE 0 0 0 1659 INVESCO S&P 500 LOW VOLATILITY ETF ETF 46138E354 363 6759 SH SOLE 0 0 0 6759 ISHARES FLOATING RATE BOND ETF ETF 46429B655 459 9046 SH SOLE 0 0 0 9046 VANGUARD SMALL-CAP VALUE INDEX FUND ETF 922908611 2057 18593 SH SOLE 0 0 0 18593 SCHWAB US AGGREGATE BOND ETF ETF 808524839 2326 41473 SH SOLE 0 0 0 41472 SPDR NUVEEN BLOOMBERG BARCLAYS HIGH YIELD MUNICIPAL BOND ETF ETF 78464A284 558 9820 SH SOLE 0 0 0 9820 SCHWAB US DIVIDEND EQUITY ETF ETF 808524797 468 8465 SH SOLE 0 0 0 8464 VANGUARD VALUE INDEX FUND ETF 922908744 369 3526 SH SOLE 0 0 0 3526 VANGUARD GROWTH INDEX FUND ETF 922908736 2653 11655 SH SOLE 0 0 0 11654 FACEBOOK INC CL A Stock 30303M102 2474 9445 SH SOLE 0 0 0 9445 WP CAREY INC COM REIT 92936U109 1722 26423 SH SOLE 0 0 0 26423 BROADCOM INC COM Stock 11135F101 318 872 SH SOLE 0 0 0 871 VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF ETF 922020805 7838 153628 SH SOLE 0 0 0 153628 ISHARES CORE MSCI EAFE ETF ETF 46432F842 419 6949 SH SOLE 0 0 0 6949 WISDOMTREE U.S. TOTAL DIVIDEND FUND ETF 97717W109 375 3988 SH SOLE 0 0 0 3988 SPDR BLOOMBERG BARCLAYS INVESTMENT GRADE FLOATING RATE ETF ETF 78468R200 1427 46652 SH SOLE 0 0 0 46652 ISHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF ETF 464288646 2587 47121 SH SOLE 0 0 0 47121 ISHARES SHORT TREASURY BOND ETF ETF 464288679 861 7779 SH SOLE 0 0 0 7779 PGIM GLOBAL HIGH YIELD FD FORM COM CEF 69346J106 414 31240 SH SOLE 0 0 0 31240 VANGUARD TOTAL BOND MARKET INDEX FUND ETF 921937835 233 2645 SH SOLE 0 0 0 2645 VANGUARD FTSE ALL-WORLD EX US INDEX FUND ETF 922042775 1515 30026 SH SOLE 0 0 0 30026 ISHARES MSCI GLOBAL ENERGY PRODUCERS ETF ETF 464286343 288 27606 SH SOLE 0 0 0 27606 QUALCOMM INC COM Stock 747525103 866 7361 SH SOLE 0 0 0 7361 ISHARES S&P 500 VALUE ETF ETF 464287408 305 2713 SH SOLE 0 0 0 2713 LULULEMON ATHLETICA INC COM Stock 550021109 981 2978 SH SOLE 0 0 0 2978 ISHARES CORE S&P 500 ETF ETF 464287200 17920 53323 SH SOLE 0 0 0 53322 LOCKHEED MARTIN CORP COM Stock 539830109 1167 3044 SH SOLE 0 0 0 3044 JPMORGAN CHASE & CO COM Stock 46625H100 2206 22911 SH SOLE 0 0 0 22911 VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 2843 69505 SH SOLE 0 0 0 69505 BK OF AMERICA CORP COM Stock 060505104 693 28773 SH SOLE 0 0 0 28773 SPDR PORTFOLIO S&P 1500 COMPOSITE STOCK MARKET ETF ETF 78464A805 224 5485 SH SOLE 0 0 0 5485 INTERNATIONAL BUSINESS MACHS COM Stock 459200101 382 3143 SH SOLE 0 0 0 3142 VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858 1153 26676 SH SOLE 0 0 0 26675 TARGET CORP COM Stock 87612E106 233 1478 SH SOLE 0 0 0 1477 ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF ETF 464287242 1061 7879 SH SOLE 0 0 0 7879 ALPHABET INC CAP STK CL C Stock 02079K107 301 205 SH SOLE 0 0 0 205 AMGEN INC COM Stock 031162100 274 1077 SH SOLE 0 0 0 1077 VANGUARD DIVIDEND APPRECIATION INDEX FUND ETF 921908844 460 3577 SH SOLE 0 0 0 3577 ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226 744 6302 SH SOLE 0 0 0 6302 ISHARES CORE TOTAL USD BOND MARKET ETF ETF 46434V613 741 13632 SH SOLE 0 0 0 13632 VANGUARD SHORT-TERM BOND INDEX FUND ETF 921937827 1443 17373 SH SOLE 0 0 0 17373 LAM RESEARCH CORP COM Stock 512807108 998 3009 SH SOLE 0 0 0 3008 SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF ETF 78463X889 3201 109395 SH SOLE 0 0 0 109395 ISHARES S&P MIDCAP FUND ETF 464287507 243 1309 SH SOLE 0 0 0 1309 ISHARES MSCI EAFE ETF ETF 464287465 379 5953 SH SOLE 0 0 0 5953 APPLE INC COM Stock 037833100 12115 104613 SH SOLE 0 0 0 104613 APPLE INC COM Stock 037833100 46 400 SH Put SOLE 0 0 0 400 DISNEY WALT CO COM DISNEY Stock 254687106 724 5837 SH SOLE 0 0 0 5837