Chief Compliance Officer

0001727917-21-000008.txt : 20211102 0001727917-21-000008.hdr.sgml : 20211102 20211101205259 ACCESSION NUMBER: 0001727917-21-000008 CONFORMED SUBMISSION TYPE: 13F-HR PUBLIC DOCUMENT COUNT: 2 CONFORMED PERIOD OF REPORT: 20210930 FILED AS OF DATE: 20211102 DATE AS OF CHANGE: 20211101 EFFECTIVENESS DATE: 20211102 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: 211368939 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 09-30-2021 09-30-2021 Gradient Capital Advisors, LLC

2125 POINSETTIA DRIVE SAN DIEGO CA 92107

13F HOLDINGS REPORT 028-18357 N Timothy Sagawa Chief Compliance Officer 619-255-0700 Timothy Sagawa San Diego CA 11-01-2021 0 120 218089 false INFORMATION TABLE 2 gca13f09302021.xml AMAZON COM INC COM Stock 023135106 884 269 SH SOLE 0 0 0 269 INVESCO QQQ TRUST ETF 46090E103 365 1021 SH SOLE 0 0 0 1020 STARBUCKS CORP COM Stock 855244109 294 2661 SH SOLE 0 0 0 2661 STARBUCKS CORP COM Stock 855244109 22 200 SH Call SOLE 0 0 0 200 JOHNSON & JOHNSON COM Stock 478160104 1208 7480 SH SOLE 0 0 0 7479 VANGUARD TOTAL STOCK MARKET INDEX FUND ETF 922908769 824 3712 SH SOLE 0 0 0 3712 VANGUARD INTERNATIONAL HIGH DIVIDEND YIELD ETF ETF 921946794 213 3218 SH SOLE 0 0 0 3218 COSTCO WHSL CORP NEW COM Stock 22160K105 253 563 SH SOLE 0 0 0 563 PROCTER AND GAMBLE CO COM Stock 742718109 293 2098 SH SOLE 0 0 0 2098 VANGUARD REAL ESTATE ETF ETF 922908553 1906 18725 SH SOLE 0 0 0 18725 INTEL CORP COM Stock 458140100 604 11330 SH SOLE 0 0 0 11330 NETFLIX INC COM Stock 64110L106 496 812 SH SOLE 0 0 0 812 SPDR DOW JONES GLOBAL REAL ESTATE ETF ETF 78463X749 1277 25002 SH SOLE 0 0 0 25002 SPDR S&P 500 ETF ETF 78462F103 641 1494 SH SOLE 0 0 0 1494 ISHARES TIPS BOND ETF ETF 464287176 415 3249 SH SOLE 0 0 0 3249 ISHARES COHEN & STEERS REIT ETF ETF 464287564 393 6008 SH SOLE 0 0 0 6008 ISHARES S&P/CITIGROUP INTERNATIONAL TREASURY BOND FUND EX-US ETF 464288117 242 4716 SH SOLE 0 0 0 4716 HOME DEPOT INC COM Stock 437076102 760 2314 SH SOLE 0 0 0 2314 INVESCO CALIFORNIA AMT-FREE MUNICIPAL BOND ETF ETF 46138E206 233 8384 SH SOLE 0 0 0 8384 SPDR GOLD SHARES ETF 78463V107 741 4513 SH SOLE 0 0 0 4513 SCHWAB U.S. SMALL-CAP ETF ETF 808524607 820 8192 SH SOLE 0 0 0 8192 SCHWAB U.S. BROAD MARKET ETF ETF 808524102 1563 15048 SH SOLE 0 0 0 15048 SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805 9780 252719 SH SOLE 0 0 0 252718 SCHWAB U.S. LARGE-CAP ETF ETF 808524201 4956 47642 SH SOLE 0 0 0 47642 CONSUMER STAPLES SELECT SECTOR SPDR FUND ETF 81369Y308 880 12779 SH SOLE 0 0 0 12779 JPMORGAN ULTRA-SHORT INCOME ETF ETF 46641Q837 12777 251912 SH SOLE 0 0 0 251912 SPDR PORTFOLIO SHORT TERM CORPORATE BOND ETF ETF 78464A474 1208 38666 SH SOLE 0 0 0 38666 ISHARES S&P SMALL-CAP FUND ETF 464287804 771 7058 SH SOLE 0 0 0 7058 BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702 1395 5112 SH SOLE 0 0 0 5112 SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706 582 19098 SH SOLE 0 0 0 19097 VANGUARD SHORT-TERM CORPORATE BOND INDEX FUND ETF 92206C409 5456 66208 SH SOLE 0 0 0 66208 ALPHABET INC CAP STK CL A Stock 02079K305 1318 493 SH SOLE 0 0 0 493 INTUIT COM Stock 461202103 238 441 SH SOLE 0 0 0 441 SCHWAB INTERNATIONAL SMALL-CAP EQUITY ETF ETF 808524888 403 9702 SH SOLE 0 0 0 9701 MICROSOFT CORP COM Stock 594918104 3114 11044 SH SOLE 0 0 0 11044 SPDR GOLD MINISHARES TRUST ETF 98149E204 865 49530 SH SOLE 0 0 0 49530 BOEING CO COM Stock 097023105 432 1962 SH SOLE 0 0 0 1961 VANGUARD SMALL-CAP INDEX FUND ETF 922908751 2913 13322 SH SOLE 0 0 0 13322 VANGUARD MID-CAP INDEX FUND ETF 922908629 2987 12617 SH SOLE 0 0 0 12616 VANGUARD LARGE-CAP INDEX FUND ETF 922908637 3667 18252 SH SOLE 0 0 0 18251 TESLA INC COM Stock 88160R101 7269 9374 SH SOLE 0 0 0 9374 JPMORGAN ULTRA-SHORT MUNICIPAL INCOME ETF ETF 46641Q654 643 12584 SH SOLE 0 0 0 12584 VANGUARD HEALTH CARE INDEX FUND ETF 92204A504 712 2881 SH SOLE 0 0 0 2880 FINANCIAL SELECT SECTOR SPDR FUND ETF 81369Y605 204 5442 SH SOLE 0 0 0 5442 MODERNA INC COM Stock 60770K107 267 695 SH SOLE 0 0 0 695 SCHWAB SHORT-TERM U.S. TREASURY ETF ETF 808524862 260 5081 SH SOLE 0 0 0 5081 SCHWAB U.S. LARGE-CAP VALUE ETF ETF 808524409 1362 20181 SH SOLE 0 0 0 20181 SCHWAB U.S. TIPS ETF ETF 808524870 743 11870 SH SOLE 0 0 0 11870 VANGUARD S&P 500 ETF ETF 922908363 2402 6091 SH SOLE 0 0 0 6091 VANGUARD GLOBAL EX-U.S. REAL ESTATE INDEX ETF 922042676 2745 48741 SH SOLE 0 0 0 48740 ISHARES 0-5 YEAR TIPS BOND ETF ETF 46429B747 792 7498 SH SOLE 0 0 0 7498 SCHWAB U.S. REIT ETF ETF 808524847 3414 74748 SH SOLE 0 0 0 74748 AVANTIS U.S. SMALL CAP VALUE ETF ETF 025072877 1702 22509 SH SOLE 0 0 0 22509 SCHWAB U.S. MID-CAP ETF ETF 808524508 6058 79024 SH SOLE 0 0 0 79024 AVANTIS INTERNATIONAL SMALL CAP VALUE ETF ETF 025072802 1118 17300 SH SOLE 0 0 0 17300 VANGUARD TOTAL INTERNATIONAL STOCK ETF ETF 921909768 3647 57650 SH SOLE 0 0 0 57650 ISHARES RUSSELL 2000 ETF ETF 464287655 306 1401 SH SOLE 0 0 0 1401 INVESCO S&P 500 LOW VOLATILITY ETF ETF 46138E354 430 7071 SH SOLE 0 0 0 7071 ISHARES FLOATING RATE BOND ETF ETF 46429B655 455 8949 SH SOLE 0 0 0 8948 VANGUARD SMALL-CAP VALUE INDEX FUND ETF 922908611 1985 11729 SH SOLE 0 0 0 11729 IMMUNOPRECISE ANTIBODIES LTD COM NEW Stock 45257F200 135 21718 SH SOLE 0 0 0 21718 DIMENSIONAL EMERGING CORE EQUITY MARKET ETF ETF 25434V302 2061 75620 SH SOLE 0 0 0 75620 SCHWAB US AGGREGATE BOND ETF ETF 808524839 2205 40636 SH SOLE 0 0 0 40635 SPDR NUVEEN BLOOMBERG HIGH YIELD MUNICIPAL BOND ETF ETF 78464A284 589 9820 SH SOLE 0 0 0 9820 SCHWAB US DIVIDEND EQUITY ETF ETF 808524797 1104 14866 SH SOLE 0 0 0 14866 VANGUARD ULTRA-SHORT BOND ETF ETF 92203C303 1967 39222 SH SOLE 0 0 0 39222 VISA INC COM CL A Stock 92826C839 250 1120 SH SOLE 0 0 0 1120 DIMENSIONAL U.S. CORE EQUITY 2 ETF ETF 25434V708 247 9315 SH SOLE 0 0 0 9314 DIMENSIONAL U.S. TARGETED VALUE ETF ETF 25434V609 4291 96648 SH SOLE 0 0 0 96647 DIMENSIONAL WORLD EX U.S. CORE EQUITY 2 ETF ETF 25434V880 1154 44609 SH SOLE 0 0 0 44609 VANGUARD VALUE INDEX FUND ETF 922908744 1405 10379 SH SOLE 0 0 0 10379 VANGUARD GROWTH INDEX FUND ETF 922908736 3335 11492 SH SOLE 0 0 0 11492 SPDR BLOOMBERG SHORT TERM HIGH YIELD BOND ETF ETF 78468R408 834 30439 SH SOLE 0 0 0 30439 ISHARES MICRO-CAP ETF ETF 464288869 230 1597 SH SOLE 0 0 0 1597 FACEBOOK INC CL A Stock 30303M102 3021 8900 SH SOLE 0 0 0 8900 WP CAREY INC COM REIT 92936U109 2173 29751 SH SOLE 0 0 0 29750 BROADCOM INC COM Stock 11135F101 445 917 SH SOLE 0 0 0 917 VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF ETF 922020805 11575 220134 SH SOLE 0 0 0 220134 ISHARES CORE MSCI EAFE ETF ETF 46432F842 498 6711 SH SOLE 0 0 0 6710 WISDOMTREE U.S. TOTAL DIVIDEND FUND ETF 97717W109 451 3843 SH SOLE 0 0 0 3843 NVIDIA CORPORATION COM Stock 67066G104 286 1381 SH SOLE 0 0 0 1381 ISHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF ETF 464288646 3462 63352 SH SOLE 0 0 0 63351 PGIM GLOBAL HIGH YIELD FD FORM COM CEF 69346J106 397 25764 SH SOLE 0 0 0 25764 VANGUARD TOTAL BOND MARKET INDEX FUND ETF 921937835 211 2467 SH SOLE 0 0 0 2467 VANGUARD FTSE ALL-WORLD EX US INDEX FUND ETF 922042775 1705 27971 SH SOLE 0 0 0 27971 TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS ADR 874039100 258 2311 SH SOLE 0 0 0 2311 PALATIN TECHNOLOGIES INC COM PAR $ .01 Stock 696077403 5 10760 SH SOLE 0 0 0 10760 ISHARES MSCI GLOBAL ENERGY PRODUCERS ETF ETF 464286343 406 23096 SH SOLE 0 0 0 23096 QUALCOMM INC COM Stock 747525103 1146 8885 SH SOLE 0 0 0 8884 ISHARES S&P 500 VALUE ETF ETF 464287408 395 2713 SH SOLE 0 0 0 2713 LULULEMON ATHLETICA INC COM Stock 550021109 1091 2697 SH SOLE 0 0 0 2697 ISHARES S&P 500 GROWTH ETF ETF 464287309 239 3228 SH SOLE 0 0 0 3228 ISHARES CORE S&P 500 ETF ETF 464287200 22888 53127 SH SOLE 0 0 0 53126 LOCKHEED MARTIN CORP COM Stock 539830109 527 1528 SH SOLE 0 0 0 1528 JPMORGAN CHASE & CO COM Stock 46625H100 3820 23334 SH SOLE 0 0 0 23334 CHEVRON CORP NEW COM Stock 166764100 314 3095 SH SOLE 0 0 0 3095 CHEVRON CORP NEW COM Stock 166764100 20 200 SH Call SOLE 0 0 0 200 VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 3172 62830 SH SOLE 0 0 0 62830 BK OF AMERICA CORP COM Stock 060505104 1149 27072 SH SOLE 0 0 0 27072 SPDR PORTFOLIO S&P 1500 COMPOSITE STOCK MARKET ETF ETF 78464A805 269 5083 SH SOLE 0 0 0 5083 INTERNATIONAL BUSINESS MACHS COM Stock 459200101 305 2192 SH SOLE 0 0 0 2191 VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858 1198 23951 SH SOLE 0 0 0 23951 TARGET CORP COM Stock 87612E106 235 1028 SH SOLE 0 0 0 1028 VANGUARD HIGH DIVIDEND YIELD ETF ETF 921946406 251 2431 SH SOLE 0 0 0 2431 PFIZER INC COM Stock 717081103 877 20385 SH SOLE 0 0 0 20384 ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF ETF 464287242 995 7483 SH SOLE 0 0 0 7482 CATERPILLAR INC COM Stock 149123101 271 1412 SH SOLE 0 0 0 1411 ALPHABET INC CAP STK CL C Stock 02079K107 546 205 SH SOLE 0 0 0 205 AMGEN INC COM Stock 031162100 247 1160 SH SOLE 0 0 0 1159 VANGUARD DIVIDEND APPRECIATION INDEX FUND ETF 921908844 791 5151 SH SOLE 0 0 0 5151 ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226 711 6189 SH SOLE 0 0 0 6189 ISHARES CORE TOTAL USD BOND MARKET ETF ETF 46434V613 726 13632 SH SOLE 0 0 0 13632 VANGUARD SHORT-TERM BOND INDEX FUND ETF 921937827 1623 19805 SH SOLE 0 0 0 19805 LAM RESEARCH CORP COM Stock 512807108 1377 2419 SH SOLE 0 0 0 2418 TELADOC HEALTH INC COM Stock 87918A105 499 3935 SH SOLE 0 0 0 3935 SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF ETF 78463X889 6979 192733 SH SOLE 0 0 0 192733 ISHARES S&P MIDCAP FUND ETF 464287507 323 1227 SH SOLE 0 0 0 1226 ISHARES MSCI EAFE ETF ETF 464287465 451 5783 SH SOLE 0 0 0 5783 APPLE INC COM Stock 037833100 14412 101849 SH SOLE 0 0 0 101849 DISNEY WALT CO COM Stock 254687106 839 4959 SH SOLE 0 0 0 4959