Chief Compliance Officer

0001727917-24-000004.txt : 20240417 0001727917-24-000004.hdr.sgml : 20240417 20240417164804 ACCESSION NUMBER: 0001727917-24-000004 CONFORMED SUBMISSION TYPE: 13F-HR PUBLIC DOCUMENT COUNT: 2 CONFORMED PERIOD OF REPORT: 20240331 FILED AS OF DATE: 20240417 DATE AS OF CHANGE: 20240417 EFFECTIVENESS DATE: 20240417 FILER: COMPANY DATA: COMPANY CONFORMED NAME: Gradient Capital Advisors, LLC CENTRAL INDEX KEY: 0001727917 ORGANIZATION NAME: 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: 24851703 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 X0202 13F-HR LIVE false false false 0001727917 XXXXXXXX 03-31-2024 03-31-2024 Gradient Capital Advisors, LLC

2125 POINSETTIA DRIVE SAN DIEGO CA 92107

13F HOLDINGS REPORT 028-18357 000168912 801-78917 N Timothy Sagawa Chief Compliance Officer 6192550700 Timothy Sagawa San Diego CA 04-17-2024 0 139 272385264 false INFORMATION TABLE 2 gca13f03312024.xml AMAZON COM INC COM Stock 023135106 1618911 8975 SH SOLE 0 0 0 8975 INVESCO QQQ TRUST SERIES I ETF 46090E103 446286 1005 SH SOLE 0 0 0 1005 STARBUCKS CORP COM Stock 855244109 304058 3327 SH SOLE 0 0 0 3327 JOHNSON & JOHNSON COM Stock 478160104 1176098 7435 SH SOLE 0 0 0 7434 VANGUARD TOTAL STOCK MARKET ETF ETF 922908769 1226468 4719 SH SOLE 0 0 0 4719 VANGUARD INTERNATIONAL HIGH DIVIDEND YIELD ETF ETF 921946794 227934 3313 SH SOLE 0 0 0 3313 COSTCO WHSL CORP NEW COM Stock 22160K105 380665 520 SH SOLE 0 0 0 519 YUM BRANDS INC COM Stock 988498101 322361 2325 SH SOLE 0 0 0 2325 PROCTER AND GAMBLE CO COM Stock 742718109 282428 1741 SH SOLE 0 0 0 1740 VANGUARD REAL ESTATE ETF ETF 922908553 1548248 17903 SH SOLE 0 0 0 17902 INTEL CORP COM Stock 458140100 583329 13206 SH SOLE 0 0 0 13206 NETFLIX INC COM Stock 64110L106 461571 760 SH SOLE 0 0 0 760 MERCK & CO INC COM Stock 58933Y105 371043 2812 SH SOLE 0 0 0 2812 SPDR S&P 500 ETF TRUST ETF 78462F103 669357 1280 SH SOLE 0 0 0 1279 ISHARES TIPS BOND ETF ETF 464287176 238696 2222 SH SOLE 0 0 0 2222 ISHARES COHEN & STEERS REIT ETF ETF 464287564 237724 4120 SH SOLE 0 0 0 4120 FEDEX CORP COM Stock 31428X106 267720 924 SH SOLE 0 0 0 924 HOME DEPOT INC COM Stock 437076102 963923 2513 SH SOLE 0 0 0 2512 SPDR GOLD SHARES ETF 78463V107 1093196 5314 SH SOLE 0 0 0 5314 SCHWAB U.S. SMALL-CAP ETF ETF 808524607 1107963 22501 SH SOLE 0 0 0 22501 SCHWAB U.S. BROAD MARKET ETF ETF 808524102 1601708 26236 SH SOLE 0 0 0 26236 SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805 10042215 257361 SH SOLE 0 0 0 257360 SCHWAB U.S. LARGE-CAP ETF ETF 808524201 6459242 104081 SH SOLE 0 0 0 104080 CONSUMER STAPLES SELECT SECTOR SPDR FUND ETF 81369Y308 912506 11950 SH SOLE 0 0 0 11950 JPMORGAN ULTRA-SHORT INCOME ETF ULTRA SHORT INCOME FUND ETF 46641Q837 6731745 133434 SH SOLE 0 0 0 133434 SPDR PORTFOLIO SHORT TERM CORPORATE BOND ETF ETF 78464A474 656896 22066 SH SOLE 0 0 0 22065 ISHARES CORE S&P SMALL CAP ETF ETF 464287804 706860 6396 SH SOLE 0 0 0 6395 BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702 3352385 7972 SH SOLE 0 0 0 7972 SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706 407090 16122 SH SOLE 0 0 0 16122 ADOBE INC COM Stock 00724F101 373909 741 SH SOLE 0 0 0 741 VANGUARD SHORT-TERM CORPORATE BOND ETF ETF 92206C409 9940915 128585 SH SOLE 0 0 0 128585 ALPHABET INC CAP STK CL A Stock 02079K305 3206508 21245 SH SOLE 0 0 0 21245 INTUIT COM Stock 461202103 368550 567 SH SOLE 0 0 0 567 MICROSOFT CORP COM Stock 594918104 6425367 15272 SH SOLE 0 0 0 15272 SPDR GOLD MINISHARES TRUST ETF 98149E303 1463914 33233 SH SOLE 0 0 0 33233 BOEING CO COM Stock 097023105 335247 1737 SH SOLE 0 0 0 1737 VANGUARD SMALL-CAP ETF ETF 922908751 3368294 14735 SH SOLE 0 0 0 14735 VANGUARD MID-CAP ETF ETF 922908629 3681568 14735 SH SOLE 0 0 0 14734 VANGUARD LARGE-CAP ETF ETF 922908637 4742665 19781 SH SOLE 0 0 0 19780 TESLA INC COM Stock 88160R101 4557180 25924 SH SOLE 0 0 0 25924 JPMORGAN ULTRA-SHORT MUNICIPAL INCOME ETF ETF 46641Q654 672609 13256 SH SOLE 0 0 0 13256 VANGUARD HEALTH CARE ETF ETF 92204A504 919868 3400 SH SOLE 0 0 0 3400 FINANCIAL SELECT SECTOR SPDR FUND ETF 81369Y605 218879 5197 SH SOLE 0 0 0 5196 SCHWAB U.S. LARGE-CAP VALUE ETF ETF 808524409 1225937 16135 SH SOLE 0 0 0 16135 SCHWAB US TIPS ETF ETF 808524870 584557 11207 SH SOLE 0 0 0 11207 VANGUARD S&P 500 ETF ETF 922908363 4797025 9979 SH SOLE 0 0 0 9979 VANGUARD GLOBAL EX-U.S. REAL ESTATE ETF ETF 922042676 2579137 61204 SH SOLE 0 0 0 61204 SCHWAB U.S. REIT ETF ETF 808524847 905923 44627 SH SOLE 0 0 0 44626 AVANTIS U.S. SMALL CAP VALUE ETF ETF 025072877 1129206 12050 SH SOLE 0 0 0 12050 SCHWAB U.S. MID-CAP ETF ETF 808524508 8045121 98798 SH SOLE 0 0 0 98798 ISHARES IBONDS DEC 2029 TERM CORPORATE ETF ETF 46436E205 254922 11171 SH SOLE 0 0 0 11171 AVANTIS INTERNATIONAL SMALL CAP VALUE ETF ETF 025072802 1424552 21630 SH SOLE 0 0 0 21630 VANGUARD TOTAL INTERNATIONAL STOCK ETF ETF 921909768 4023276 66721 SH SOLE 0 0 0 66721 ISHARES RUSSELL 2000 ETF ETF 464287655 1081363 5142 SH SOLE 0 0 0 5142 INVESCO S&P 500 LOW VOLATILITY ETF ETF 46138E354 440868 6693 SH SOLE 0 0 0 6693 ISHARES IBONDS DEC 2030 TERM CORPORATE ETF ETF 46436E726 459886 21490 SH SOLE 0 0 0 21490 VANGUARD SMALL CAP VALUE ETF ETF 922908611 1659006 8646 SH SOLE 0 0 0 8646 REGENERON PHARMACEUTICALS COM Stock 75886F107 369596 384 SH SOLE 0 0 0 384 DIMENSIONAL INTERNATIONAL CORE EQUITY MARKET ETF ETF 25434V203 486300 16092 SH SOLE 0 0 0 16092 IMMUNOPRECISE ANTIBODIES LTD COM NEW Stock 45257F200 40748 26808 SH SOLE 0 0 0 26808 DIMENSIONAL EMERGING CORE EQUITY MARKET ETF ETF 25434V302 1593031 64443 SH SOLE 0 0 0 64443 SCHWAB US AGGREGATE BOND ETF ETF 808524839 939631 20427 SH SOLE 0 0 0 20426 SCHWAB US DIVIDEND EQUITY ETF ETF 808524797 3189060 39552 SH SOLE 0 0 0 39551 INVESCO BULLETSHARES 2030 MUNICIPAL BOND ETF ETF 46138J445 207508 9381 SH SOLE 0 0 0 9381 VANGUARD ULTRA-SHORT BOND ETF ETF 92203C303 750732 15151 SH SOLE 0 0 0 15151 VISA INC COM CL A Stock 92826C839 670557 2403 SH SOLE 0 0 0 2402 DIMENSIONAL U.S. CORE EQUITY 2 ETF ETF 25434V708 663049 20753 SH SOLE 0 0 0 20752 DIMENSIONAL U.S. TARGETED VALUE ETF ETF 25434V609 7585391 139360 SH SOLE 0 0 0 139360 DIMENSIONAL U.S. EQUITY ETF ETF 25434V401 407122 7145 SH SOLE 0 0 0 7145 ISHARES IBONDS DEC 2031 TERM CORPORATE ETF ETF 46436E486 672625 32827 SH SOLE 0 0 0 32827 DIMENSIONAL WORLD EX U.S. CORE EQUITY 2 ETF ETF 25434V880 2722169 107004 SH SOLE 0 0 0 107003 AVANTIS U.S. LARGE CAP VALUE ETF ETF 025072349 285700 4446 SH SOLE 0 0 0 4446 INVESCO BULLETSHARES 2031 MUNICIPAL BOND ETF ETF 46138J411 419892 19704 SH SOLE 0 0 0 19704 VANGUARD VALUE ETF ETF 922908744 1118225 6866 SH SOLE 0 0 0 6866 VANGUARD GROWTH ETF ETF 922908736 3788904 11008 SH SOLE 0 0 0 11007 SPDR BLOOMBERG SHORT TERM HIGH YIELD BOND ETF ETF 78468R408 283498 11241 SH SOLE 0 0 0 11241 DIMENSIONAL SHORT-DURATION FIXED INCOME ETF ETF 25434V864 4313709 91703 SH SOLE 0 0 0 91703 META PLATFORMS INC CL A Stock 30303M102 2974319 6125 SH SOLE 0 0 0 6125 DIMENSIONAL US REAL ESTATE ETF ETF 25434V823 3701474 165466 SH SOLE 0 0 0 165466 DIMENSIONAL US SMALL CAP VALUE ETF ETF 25434V815 1878210 62399 SH SOLE 0 0 0 62399 DIMENSIONAL INTERNATIONAL SMALL CAP VALUE ETF ETF 25434V781 1985006 73005 SH SOLE 0 0 0 73005 DIMENSIONAL INTERNATIONAL CORE EQUITY 2 ETF ETF 25434V799 614234 22962 SH SOLE 0 0 0 22962 JPMORGAN INFLATION MANAGED BOND ETF JPMORGAN INFLATION MANAGED BOND ETF ETF 46654Q104 239629 5114 SH SOLE 0 0 0 5113 DIMENSIONAL US MARKETWIDE VALUE ETF ETF 25434V724 5331383 130352 SH SOLE 0 0 0 130351 ISHARES IBONDS DEC 2032 TERM CORPORATE ETF ETF 46436E312 597499 24083 SH SOLE 0 0 0 24083 WP CAREY INC COM REIT 92936U109 1856534 32894 SH SOLE 0 0 0 32893 BROADCOM INC COM Stock 11135F101 1355086 1022 SH SOLE 0 0 0 1022 VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF ETF 922020805 6512034 135979 SH SOLE 0 0 0 135979 ISHARES CORE MSCI EAFE ETF ETF 46432F842 488509 6582 SH SOLE 0 0 0 6581 DIMENSIONAL US LARGE CAP VALUE ETF ETF 25434V666 1245305 41524 SH SOLE 0 0 0 41524 WISDOMTREE U.S. TOTAL DIVIDEND FUND ETF 97717W109 448082 6336 SH SOLE 0 0 0 6336 ACCENTURE PLC IRELAND SHS CLASS A Stock G1151C101 402414 1161 SH SOLE 0 0 0 1161 NVIDIA CORPORATION COM Stock 67066G104 2466723 2730 SH SOLE 0 0 0 2730 ISHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF ETF 464288646 2476608 48296 SH SOLE 0 0 0 48295 ABBVIE INC COM Stock 00287Y109 240692 1322 SH SOLE 0 0 0 1321 PGIM GLOBAL HIGH YIELD FD FORM COM CEF 69346J106 308137 25764 SH SOLE 0 0 0 25764 VANGUARD FTSE ALL-WORLD EX-US INDEX FUND ETF 922042775 1350988 23035 SH SOLE 0 0 0 23034 TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS ADR 874039100 483522 3554 SH SOLE 0 0 0 3554 BLACKSTONE INC COM Stock 09260D107 589457 4487 SH SOLE 0 0 0 4487 ISHARES MSCI GLOBAL ENERGY PRODUCERS ETF ETF 464286343 381883 14400 SH SOLE 0 0 0 14399 QUALCOMM INC COM Stock 747525103 1531832 9048 SH SOLE 0 0 0 9048 CISCO SYS INC COM Stock 17275R102 932496 18684 SH SOLE 0 0 0 18683 ADVANCED MICRO DEVICES INC COM Stock 007903107 1637947 9075 SH SOLE 0 0 0 9075 ENERGY SELECT SECTOR SPDR FUND ETF 81369Y506 302162 3201 SH SOLE 0 0 0 3200 ISHARES U.S. TECHNOLOGY ETF ETF 464287721 237706 1760 SH SOLE 0 0 0 1760 ISHARES S&P 500 VALUE ETF ETF 464287408 515330 2759 SH SOLE 0 0 0 2758 LULULEMON ATHLETICA INC COM Stock 550021109 765283 1959 SH SOLE 0 0 0 1959 ISHARES S&P 500 GROWTH ETF ETF 464287309 432502 5122 SH SOLE 0 0 0 5122 ISHARES CORE S&P 500 ETF ETF 464287200 27420976 52158 SH SOLE 0 0 0 52157 ISHARES IBONDS DEC 2026 TERM CORPORATE ETF ETF 46435GAA0 229151 9608 SH SOLE 0 0 0 9608 DIMENSIONAL EMERGING MARKETS CORE EQUITY 2 ETF ETF 25434V732 4577800 179592 SH SOLE 0 0 0 179592 WELLS FARGO CO NEW COM Stock 949746101 245968 4244 SH SOLE 0 0 0 4243 SALESFORCE INC COM Stock 79466L302 359910 1195 SH SOLE 0 0 0 1195 LOCKHEED MARTIN CORP COM Stock 539830109 882534 1940 SH SOLE 0 0 0 1940 JPMORGAN CHASE & CO COM Stock 46625H100 5040897 25167 SH SOLE 0 0 0 25166 CHEVRON CORP NEW COM Stock 166764100 1824852 11569 SH SOLE 0 0 0 11568 VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 4664606 92976 SH SOLE 0 0 0 92976 BANK AMERICA CORP COM Stock 060505104 862261 22739 SH SOLE 0 0 0 22738 SPDR PORTFOLIO S&P 1500 COMPOSITE STOCK MARKET ETF ETF 78464A805 308727 4813 SH SOLE 0 0 0 4812 INTERNATIONAL BUSINESS MACHS COM Stock 459200101 347189 1818 SH SOLE 0 0 0 1818 VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858 837364 20047 SH SOLE 0 0 0 20047 VANGUARD HIGH DIVIDEND YIELD INDEX ETF ETF 921946406 677733 5602 SH SOLE 0 0 0 5601 PFIZER INC COM Stock 717081103 620296 22353 SH SOLE 0 0 0 22353 ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF ETF 464287242 517478 4751 SH SOLE 0 0 0 4750 CATERPILLAR INC COM Stock 149123101 543301 1483 SH SOLE 0 0 0 1482 ALPHABET INC CAP STK CL C Stock 02079K107 544939 3579 SH SOLE 0 0 0 3579 AMGEN INC COM Stock 031162100 1012141 3560 SH SOLE 0 0 0 3559 VANGUARD DIVIDEND APPRECIATION ETF ETF 921908844 1077617 5901 SH SOLE 0 0 0 5901 ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226 503412 5140 SH SOLE 0 0 0 5140 VANGUARD SHORT-TERM BOND ETF ETF 921937827 1017260 13268 SH SOLE 0 0 0 13268 LAM RESEARCH CORP COM Stock 512807108 2400431 2471 SH SOLE 0 0 0 2470 EXXON MOBIL CORP COM Stock 30231G102 442408 3806 SH SOLE 0 0 0 3805 SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF ETF 78463X889 10416323 290634 SH SOLE 0 0 0 290634 BLACKROCK INC COM Stock 09247X101 321002 385 SH SOLE 0 0 0 385 ISHARES CORE S&P MID-CAP ETF ETF 464287507 346986 5713 SH SOLE 0 0 0 5712 INVESCO OPTIMUM YIELD DIVERSIFIED COMMODITY STRATEGY NO K-1 ETF ETF 46090F100 198701 14326 SH SOLE 0 0 0 14325 ISHARES MSCI EAFE ETF ETF 464287465 390116 4885 SH SOLE 0 0 0 4885 APPLE INC COM Stock 037833100 15213912 88721 SH SOLE 0 0 0 88721 DISNEY WALT CO COM Stock 254687106 463662 3789 SH SOLE 0 0 0 3789