Chief Compliance Officer

0001727917-21-000004.txt : 20210421 0001727917-21-000004.hdr.sgml : 20210421 20210421131732 ACCESSION NUMBER: 0001727917-21-000004 CONFORMED SUBMISSION TYPE: 13F-HR PUBLIC DOCUMENT COUNT: 2 CONFORMED PERIOD OF REPORT: 20210331 FILED AS OF DATE: 20210421 DATE AS OF CHANGE: 20210421 EFFECTIVENESS DATE: 20210421 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: 21840647 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 03-31-2021 03-31-2021 Gradient Capital Advisors, LLC

2125 POINSETTIA DRIVE SAN DIEGO CA 92107

13F HOLDINGS REPORT 028-18357 N Timothy Sagawa Chief Compliance Officer 6192550700 Timothy Sagawa San Diego CA 04-21-2021 0 106 188931 false INFORMATION TABLE 2 gca13f03312021.xml AMAZON COM INC COM Stock 023135106 826 267 SH SOLE 0 0 0 267 INVESCO QQQ TRUST ETF 46090E103 326 1020 SH SOLE 0 0 0 1020 STARBUCKS CORP COM Stock 855244109 295 2697 SH SOLE 0 0 0 2696 JOHNSON & JOHNSON COM Stock 478160104 1066 6484 SH SOLE 0 0 0 6484 VANGUARD TOTAL STOCK MARKET INDEX FUND ETF 922908769 785 3797 SH SOLE 0 0 0 3797 PROCTER AND GAMBLE CO COM Stock 742718109 256 1887 SH SOLE 0 0 0 1886 VANGUARD REAL ESTATE ETF ETF 922908553 1786 19441 SH SOLE 0 0 0 19441 INTEL CORP COM Stock 458140100 570 8914 SH SOLE 0 0 0 8913 NETFLIX INC COM Stock 64110L106 455 872 SH SOLE 0 0 0 872 SPDR DOW JONES GLOBAL REAL ESTATE ETF ETF 78463X749 1156 24474 SH SOLE 0 0 0 24474 SPDR S&P 500 ETF ETF 78462F103 547 1379 SH SOLE 0 0 0 1379 ISHARES TIPS BOND ETF ETF 464287176 435 3466 SH SOLE 0 0 0 3466 ISHARES COHEN & STEERS REIT ETF ETF 464287564 347 6008 SH SOLE 0 0 0 6008 ISHARES S&P/CITIGROUP INTERNATIONAL TREASURY BOND FUND EX-US ETF 464288117 245 4716 SH SOLE 0 0 0 4716 HOME DEPOT INC COM Stock 437076102 645 2112 SH SOLE 0 0 0 2111 INVESCO CALIFORNIA AMT-FREE MUNICIPAL BOND ETF ETF 46138E206 480 17344 SH SOLE 0 0 0 17344 SPDR GOLD SHARES ETF 78463V107 687 4296 SH SOLE 0 0 0 4296 SCHWAB U.S. SMALL-CAP ETF ETF 808524607 967 9703 SH SOLE 0 0 0 9703 SCHWAB U.S. BROAD MARKET ETF ETF 808524102 1433 14822 SH SOLE 0 0 0 14822 SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805 9501 252540 SH SOLE 0 0 0 252539 SCHWAB U.S. LARGE-CAP ETF ETF 808524201 4774 49717 SH SOLE 0 0 0 49717 CONSUMER STAPLES SELECT SECTOR SPDR FUND ETF 81369Y308 838 12271 SH SOLE 0 0 0 12271 JPMORGAN ULTRA-SHORT INCOME ETF ETF 46641Q837 13141 258916 SH SOLE 0 0 0 258916 SPDR PORTFOLIO SHORT TERM CORPORATE BOND ETF ETF 78464A474 1278 40802 SH SOLE 0 0 0 40802 ISHARES S&P SMALL-CAP FUND ETF 464287804 796 7331 SH SOLE 0 0 0 7330 BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702 1297 5078 SH SOLE 0 0 0 5078 SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706 619 19476 SH SOLE 0 0 0 19475 VANGUARD SHORT-TERM CORPORATE BOND INDEX FUND ETF 92206C409 4649 56354 SH SOLE 0 0 0 56353 ALPHABET INC CAP STK CL A Stock 02079K305 850 412 SH SOLE 0 0 0 412 SCHWAB INTERNATIONAL SMALL-CAP EQUITY ETF ETF 808524888 408 10352 SH SOLE 0 0 0 10351 MICROSOFT CORP COM Stock 594918104 2726 11562 SH SOLE 0 0 0 11562 SPDR GOLD MINISHARES TRUST ETF 98149E204 646 38011 SH SOLE 0 0 0 38011 BOEING CO COM Stock 097023105 478 1875 SH SOLE 0 0 0 1875 VANGUARD SMALL-CAP INDEX FUND ETF 922908751 2887 13486 SH SOLE 0 0 0 13485 VANGUARD MID-CAP INDEX FUND ETF 922908629 2807 12681 SH SOLE 0 0 0 12680 VANGUARD LARGE-CAP INDEX FUND ETF 922908637 3495 18863 SH SOLE 0 0 0 18862 TESLA INC COM Stock 88160R101 5819 8712 SH SOLE 0 0 0 8712 JPMORGAN ULTRA-SHORT MUNICIPAL INCOME ETF ETF 46641Q654 702 13756 SH SOLE 0 0 0 13756 VANGUARD HEALTH CARE INDEX FUND ETF 92204A504 671 2935 SH SOLE 0 0 0 2934 SCHWAB SHORT-TERM U.S. TREASURY ETF ETF 808524862 450 8764 SH SOLE 0 0 0 8764 SCHWAB U.S. LARGE-CAP VALUE ETF ETF 808524409 1021 15645 SH SOLE 0 0 0 15645 SCHWAB U.S. TIPS ETF ETF 808524870 662 10821 SH SOLE 0 0 0 10821 VANGUARD S&P 500 ETF ETF 922908363 1925 5285 SH SOLE 0 0 0 5285 VANGUARD GLOBAL EX-U.S. REAL ESTATE INDEX ETF 922042676 2489 44645 SH SOLE 0 0 0 44645 ISHARES 0-5 YEAR TIPS BOND ETF ETF 46429B747 835 7901 SH SOLE 0 0 0 7901 SCHWAB U.S. REIT ETF ETF 808524847 2831 68908 SH SOLE 0 0 0 68908 AVANTIS U.S. SMALL CAP VALUE ETF ETF 025072877 678 9386 SH SOLE 0 0 0 9386 SCHWAB U.S. MID-CAP ETF ETF 808524508 5354 71927 SH SOLE 0 0 0 71927 AVANTIS INTERNATIONAL SMALL CAP VALUE ETF ETF 025072802 740 11894 SH SOLE 0 0 0 11894 VANGUARD TOTAL INTERNATIONAL STOCK ETF ETF 921909768 3597 57369 SH SOLE 0 0 0 57369 ISHARES RUSSELL 2000 ETF ETF 464287655 310 1401 SH SOLE 0 0 0 1401 INVESCO S&P 500 LOW VOLATILITY ETF ETF 46138E354 399 6863 SH SOLE 0 0 0 6863 ISHARES FLOATING RATE BOND ETF ETF 46429B655 454 8949 SH SOLE 0 0 0 8948 VANGUARD SMALL-CAP VALUE INDEX FUND ETF 922908611 2276 13746 SH SOLE 0 0 0 13746 IMMUNOPRECISE ANTIBODIES LTD COM NEW Stock 45257F200 213 21718 SH SOLE 0 0 0 21718 PIMCO 0-5 YEAR HIGH YIELD CORPORATE BOND INDEX EXCHANGE-TRADED FUND ETF 72201R783 202 2034 SH SOLE 0 0 0 2034 DIMENSIONAL EMERGING CORE EQUITY MARKET ETF ETF 25434V302 1140 40605 SH SOLE 0 0 0 40605 SCHWAB US AGGREGATE BOND ETF ETF 808524839 2200 40778 SH SOLE 0 0 0 40778 SPDR NUVEEN BLOOMBERG BARCLAYS HIGH YIELD MUNICIPAL BOND ETF ETF 78464A284 583 9820 SH SOLE 0 0 0 9820 SCHWAB US DIVIDEND EQUITY ETF ETF 808524797 730 10008 SH SOLE 0 0 0 10007 VISA INC COM CL A Stock 92826C839 224 1057 SH SOLE 0 0 0 1057 VANGUARD VALUE INDEX FUND ETF 922908744 958 7284 SH SOLE 0 0 0 7284 VANGUARD GROWTH INDEX FUND ETF 922908736 2953 11489 SH SOLE 0 0 0 11488 FACEBOOK INC CL A Stock 30303M102 2571 8729 SH SOLE 0 0 0 8729 WP CAREY INC COM REIT 92936U109 1898 26827 SH SOLE 0 0 0 26826 BROADCOM INC COM Stock 11135F101 414 893 SH SOLE 0 0 0 892 VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF ETF 922020805 9760 189367 SH SOLE 0 0 0 189367 ISHARES CORE MSCI EAFE ETF ETF 46432F842 501 6951 SH SOLE 0 0 0 6951 WISDOMTREE U.S. TOTAL DIVIDEND FUND ETF 97717W109 440 3895 SH SOLE 0 0 0 3895 SPDR BLOOMBERG BARCLAYS INVESTMENT GRADE FLOATING RATE ETF ETF 78468R200 237 7749 SH SOLE 0 0 0 7749 ISHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF ETF 464288646 3118 57022 SH SOLE 0 0 0 57022 ISHARES SHORT TREASURY BOND ETF ETF 464288679 798 7221 SH SOLE 0 0 0 7221 PGIM GLOBAL HIGH YIELD FD FORM COM CEF 69346J106 466 31240 SH SOLE 0 0 0 31240 VANGUARD TOTAL BOND MARKET INDEX FUND ETF 921937835 200 2365 SH SOLE 0 0 0 2365 VANGUARD FTSE ALL-WORLD EX US INDEX FUND ETF 922042775 1755 28924 SH SOLE 0 0 0 28924 TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS ADR 874039100 293 2477 SH SOLE 0 0 0 2477 ISHARES MSCI GLOBAL ENERGY PRODUCERS ETF ETF 464286343 415 26435 SH SOLE 0 0 0 26435 QUALCOMM INC COM Stock 747525103 1130 8525 SH SOLE 0 0 0 8525 ISHARES S&P 500 VALUE ETF ETF 464287408 383 2713 SH SOLE 0 0 0 2713 LULULEMON ATHLETICA INC COM Stock 550021109 827 2697 SH SOLE 0 0 0 2697 ISHARES S&P 500 GROWTH ETF ETF 464287309 210 3228 SH SOLE 0 0 0 3228 ISHARES CORE S&P 500 ETF ETF 464287200 20830 52360 SH SOLE 0 0 0 52360 LOCKHEED MARTIN CORP COM Stock 539830109 815 2205 SH SOLE 0 0 0 2204 JPMORGAN CHASE & CO COM Stock 46625H100 3400 22337 SH SOLE 0 0 0 22336 CHEVRON CORP NEW COM Stock 166764100 236 2251 SH SOLE 0 0 0 2251 VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 3124 63613 SH SOLE 0 0 0 63613 BK OF AMERICA CORP COM Stock 060505104 1013 26186 SH SOLE 0 0 0 26186 SPDR PORTFOLIO S&P 1500 COMPOSITE STOCK MARKET ETF ETF 78464A805 250 5083 SH SOLE 0 0 0 5083 INTERNATIONAL BUSINESS MACHS COM Stock 459200101 281 2111 SH SOLE 0 0 0 2111 VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858 1274 24477 SH SOLE 0 0 0 24476 PFIZER INC COM Stock 717081103 292 8047 SH SOLE 0 0 0 8047 ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF ETF 464287242 1019 7834 SH SOLE 0 0 0 7833 CATERPILLAR INC COM Stock 149123101 289 1247 SH SOLE 0 0 0 1246 ALPHABET INC CAP STK CL C Stock 02079K107 424 205 SH SOLE 0 0 0 205 AMGEN INC COM Stock 031162100 286 1149 SH SOLE 0 0 0 1148 VANGUARD DIVIDEND APPRECIATION INDEX FUND ETF 921908844 533 3621 SH SOLE 0 0 0 3620 ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226 717 6302 SH SOLE 0 0 0 6302 ISHARES CORE TOTAL USD BOND MARKET ETF ETF 46434V613 719 13632 SH SOLE 0 0 0 13632 VANGUARD SHORT-TERM BOND INDEX FUND ETF 921937827 1659 20184 SH SOLE 0 0 0 20184 LAM RESEARCH CORP COM Stock 512807108 1429 2401 SH SOLE 0 0 0 2401 TELADOC HEALTH INC COM Stock 87918A105 916 5038 SH SOLE 0 0 0 5038 SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF ETF 78463X889 5357 151495 SH SOLE 0 0 0 151495 ISHARES S&P MIDCAP FUND ETF 464287507 339 1303 SH SOLE 0 0 0 1302 ISHARES MSCI EAFE ETF ETF 464287465 439 5783 SH SOLE 0 0 0 5783 APPLE INC COM Stock 037833100 12046 98613 SH SOLE 0 0 0 98613 DISNEY WALT CO COM Stock 254687106 915 4959 SH SOLE 0 0 0 4959