Chief Compliance Officer

0001727917-22-000002.txt : 20220131 0001727917-22-000002.hdr.sgml : 20220131 20220131163834 ACCESSION NUMBER: 0001727917-22-000002 CONFORMED SUBMISSION TYPE: 13F-HR PUBLIC DOCUMENT COUNT: 2 CONFORMED PERIOD OF REPORT: 20211231 FILED AS OF DATE: 20220131 DATE AS OF CHANGE: 20220131 EFFECTIVENESS DATE: 20220131 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: 22574505 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 12-31-2021 12-31-2021 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 01-31-2022 0 123 240225 false INFORMATION TABLE 2 gca13f12312021.xml AMAZON COM INC COM Stock 023135106 937 281 SH SOLE 0 0 0 281 INVESCO QQQ TRUST ETF 46090E103 340 854 SH SOLE 0 0 0 853 STARBUCKS CORP COM Stock 855244109 311 2662 SH SOLE 0 0 0 2661 STARBUCKS CORP COM Stock 855244109 23 200 SH Call SOLE 0 0 0 200 JOHNSON & JOHNSON COM Stock 478160104 1339 7829 SH SOLE 0 0 0 7829 VANGUARD TOTAL STOCK MARKET INDEX FUND ETF 922908769 927 3838 SH SOLE 0 0 0 3838 VANGUARD INTERNATIONAL HIGH DIVIDEND YIELD ETF ETF 921946794 216 3218 SH SOLE 0 0 0 3218 COSTCO WHSL CORP NEW COM Stock 22160K105 325 573 SH SOLE 0 0 0 573 PROCTER AND GAMBLE CO COM Stock 742718109 349 2132 SH SOLE 0 0 0 2132 UNITED PARCEL SERVICE INC CL B Stock 911312106 227 1059 SH SOLE 0 0 0 1059 VANGUARD REAL ESTATE ETF ETF 922908553 2154 18569 SH SOLE 0 0 0 18569 INTEL CORP COM Stock 458140100 675 13104 SH SOLE 0 0 0 13103 NETFLIX INC COM Stock 64110L106 489 812 SH SOLE 0 0 0 812 SPDR DOW JONES GLOBAL REAL ESTATE ETF ETF 78463X749 1369 24209 SH SOLE 0 0 0 24209 SPDR S&P 500 ETF ETF 78462F103 616 1296 SH SOLE 0 0 0 1296 ISHARES TIPS BOND ETF ETF 464287176 351 2719 SH SOLE 0 0 0 2719 ISHARES COHEN & STEERS REIT ETF ETF 464287564 477 6270 SH SOLE 0 0 0 6270 ISHARES S&P/CITIGROUP INTERNATIONAL TREASURY BOND FUND EX-US ETF 464288117 237 4716 SH SOLE 0 0 0 4716 HOME DEPOT INC COM Stock 437076102 978 2357 SH SOLE 0 0 0 2356 INVESCO CALIFORNIA AMT-FREE MUNICIPAL BOND ETF ETF 46138E206 229 8205 SH SOLE 0 0 0 8205 SPDR GOLD SHARES ETF 78463V107 759 4439 SH SOLE 0 0 0 4439 SCHWAB U.S. SMALL-CAP ETF ETF 808524607 862 8419 SH SOLE 0 0 0 8419 SCHWAB U.S. BROAD MARKET ETF ETF 808524102 1685 14911 SH SOLE 0 0 0 14910 SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805 9811 252403 SH SOLE 0 0 0 252402 SCHWAB U.S. LARGE-CAP ETF ETF 808524201 5275 46341 SH SOLE 0 0 0 46340 CONSUMER STAPLES SELECT SECTOR SPDR FUND ETF 81369Y308 980 12714 SH SOLE 0 0 0 12714 JPMORGAN ULTRA-SHORT INCOME ETF ETF 46641Q837 13012 257766 SH SOLE 0 0 0 257766 SPDR PORTFOLIO SHORT TERM CORPORATE BOND ETF ETF 78464A474 1192 38505 SH SOLE 0 0 0 38505 ISHARES S&P SMALL-CAP FUND ETF 464287804 786 6861 SH SOLE 0 0 0 6860 BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702 1566 5237 SH SOLE 0 0 0 5237 SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706 594 20062 SH SOLE 0 0 0 20062 VANGUARD SHORT-TERM CORPORATE BOND INDEX FUND ETF 92206C409 5954 73265 SH SOLE 0 0 0 73264 ALPHABET INC CAP STK CL A Stock 02079K305 1469 507 SH SOLE 0 0 0 507 INTUIT COM Stock 461202103 280 435 SH SOLE 0 0 0 435 SCHWAB INTERNATIONAL SMALL-CAP EQUITY ETF ETF 808524888 390 9523 SH SOLE 0 0 0 9522 MICROSOFT CORP COM Stock 594918104 3757 11170 SH SOLE 0 0 0 11169 SPDR GOLD MINISHARES TRUST ETF 98149E204 923 50791 SH SOLE 0 0 0 50791 BOEING CO COM Stock 097023105 390 1935 SH SOLE 0 0 0 1935 VANGUARD SMALL-CAP INDEX FUND ETF 922908751 3047 13483 SH SOLE 0 0 0 13482 VANGUARD MID-CAP INDEX FUND ETF 922908629 3227 12668 SH SOLE 0 0 0 12668 VANGUARD LARGE-CAP INDEX FUND ETF 922908637 4009 18137 SH SOLE 0 0 0 18136 TESLA INC COM Stock 88160R101 10007 9469 SH SOLE 0 0 0 9469 JPMORGAN ULTRA-SHORT MUNICIPAL INCOME ETF ETF 46641Q654 1285 25165 SH SOLE 0 0 0 25165 VANGUARD HEALTH CARE INDEX FUND ETF 92204A504 771 2892 SH SOLE 0 0 0 2892 FINANCIAL SELECT SECTOR SPDR FUND ETF 81369Y605 213 5447 SH SOLE 0 0 0 5447 SCHWAB U.S. LARGE-CAP VALUE ETF ETF 808524409 1403 19164 SH SOLE 0 0 0 19164 SCHWAB U.S. TIPS ETF ETF 808524870 747 11870 SH SOLE 0 0 0 11870 VANGUARD S&P 500 ETF ETF 922908363 2508 5745 SH SOLE 0 0 0 5745 VANGUARD GLOBAL EX-U.S. REAL ESTATE INDEX ETF 922042676 2678 49645 SH SOLE 0 0 0 49645 ISHARES 0-5 YEAR TIPS BOND ETF ETF 46429B747 945 8921 SH SOLE 0 0 0 8920 SCHWAB U.S. REIT ETF ETF 808524847 3956 75074 SH SOLE 0 0 0 75074 AVANTIS U.S. SMALL CAP VALUE ETF ETF 025072877 2043 25619 SH SOLE 0 0 0 25619 SCHWAB U.S. MID-CAP ETF ETF 808524508 6466 80388 SH SOLE 0 0 0 80388 AVANTIS INTERNATIONAL SMALL CAP VALUE ETF ETF 025072802 1346 20858 SH SOLE 0 0 0 20858 VANGUARD TOTAL INTERNATIONAL STOCK ETF ETF 921909768 3769 59282 SH SOLE 0 0 0 59282 ISHARES RUSSELL 2000 ETF ETF 464287655 323 1454 SH SOLE 0 0 0 1454 INVESCO S&P 500 LOW VOLATILITY ETF ETF 46138E354 499 7265 SH SOLE 0 0 0 7265 ISHARES FLOATING RATE BOND ETF ETF 46429B655 454 8949 SH SOLE 0 0 0 8948 VANGUARD SMALL-CAP VALUE INDEX FUND ETF 922908611 1963 10978 SH SOLE 0 0 0 10978 IMMUNOPRECISE ANTIBODIES LTD COM NEW Stock 45257F200 107 20000 SH SOLE 0 0 0 20000 DIMENSIONAL EMERGING CORE EQUITY MARKET ETF ETF 25434V302 2361 86277 SH SOLE 0 0 0 86277 SCHWAB US AGGREGATE BOND ETF ETF 808524839 2064 38287 SH SOLE 0 0 0 38286 SPDR NUVEEN BLOOMBERG HIGH YIELD MUNICIPAL BOND ETF ETF 78464A284 590 9820 SH SOLE 0 0 0 9820 SCHWAB US DIVIDEND EQUITY ETF ETF 808524797 1238 15318 SH SOLE 0 0 0 15318 VANGUARD ULTRA-SHORT BOND ETF ETF 92203C303 2669 53431 SH SOLE 0 0 0 53430 COINBASE GLOBAL INC COM CL A Stock 19260Q107 574 2276 SH SOLE 0 0 0 2276 VISA INC COM CL A Stock 92826C839 267 1234 SH SOLE 0 0 0 1234 DIMENSIONAL U.S. CORE EQUITY 2 ETF ETF 25434V708 291 10051 SH SOLE 0 0 0 10051 DIMENSIONAL U.S. TARGETED VALUE ETF ETF 25434V609 4670 98285 SH SOLE 0 0 0 98284 DIMENSIONAL WORLD EX U.S. CORE EQUITY 2 ETF ETF 25434V880 1261 48313 SH SOLE 0 0 0 48313 VANGUARD VALUE INDEX FUND ETF 922908744 1633 11098 SH SOLE 0 0 0 11098 VANGUARD GROWTH INDEX FUND ETF 922908736 3712 11567 SH SOLE 0 0 0 11567 SPDR BLOOMBERG SHORT TERM HIGH YIELD BOND ETF ETF 78468R408 826 30435 SH SOLE 0 0 0 30435 DIMENSIONAL SHORT-DURATION FIXED INCOME ETF ETF 25434V864 918 18355 SH SOLE 0 0 0 18355 ISHARES MICRO-CAP ETF ETF 464288869 223 1597 SH SOLE 0 0 0 1597 META PLATFORMS INC CL A Stock 30303M102 2905 8636 SH SOLE 0 0 0 8636 WP CAREY INC COM REIT 92936U109 2473 30135 SH SOLE 0 0 0 30134 BROADCOM INC COM Stock 11135F101 614 922 SH SOLE 0 0 0 922 VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF ETF 922020805 12011 233684 SH SOLE 0 0 0 233684 ISHARES CORE MSCI EAFE ETF ETF 46432F842 501 6715 SH SOLE 0 0 0 6714 WISDOMTREE U.S. TOTAL DIVIDEND FUND ETF 97717W109 498 7686 SH SOLE 0 0 0 7686 NVIDIA CORPORATION COM Stock 67066G104 411 1398 SH SOLE 0 0 0 1398 ISHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF ETF 464288646 3225 59857 SH SOLE 0 0 0 59856 PGIM GLOBAL HIGH YIELD FD FORM COM CEF 69346J106 389 25764 SH SOLE 0 0 0 25764 VANGUARD TOTAL BOND MARKET INDEX FUND ETF 921937835 209 2467 SH SOLE 0 0 0 2467 VANGUARD FTSE ALL-WORLD EX US INDEX FUND ETF 922042775 1714 27971 SH SOLE 0 0 0 27971 TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS ADR 874039100 278 2311 SH SOLE 0 0 0 2311 PALATIN TECHNOLOGIES INC COM PAR $ .01 Stock 696077403 6 10760 SH SOLE 0 0 0 10760 ISHARES MSCI GLOBAL ENERGY PRODUCERS ETF ETF 464286343 367 20556 SH SOLE 0 0 0 20556 QUALCOMM INC COM Stock 747525103 1633 8928 SH SOLE 0 0 0 8928 ISHARES U.S. TECHNOLOGY ETF ETF 464287721 202 1760 SH SOLE 0 0 0 1760 ISHARES S&P 500 VALUE ETF ETF 464287408 425 2713 SH SOLE 0 0 0 2713 LULULEMON ATHLETICA INC COM Stock 550021109 1045 2669 SH SOLE 0 0 0 2669 ISHARES S&P 500 GROWTH ETF ETF 464287309 270 3228 SH SOLE 0 0 0 3228 ISHARES CORE S&P 500 ETF ETF 464287200 24771 51933 SH SOLE 0 0 0 51932 LOCKHEED MARTIN CORP COM Stock 539830109 539 1516 SH SOLE 0 0 0 1516 JPMORGAN CHASE & CO COM Stock 46625H100 3777 23850 SH SOLE 0 0 0 23849 CHEVRON CORP NEW COM Stock 166764100 861 7334 SH SOLE 0 0 0 7334 CHEVRON CORP NEW COM Stock 166764100 23 200 SH Call SOLE 0 0 0 200 VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 3228 63212 SH SOLE 0 0 0 63212 BK OF AMERICA CORP COM Stock 060505104 1129 25372 SH SOLE 0 0 0 25372 SPDR PORTFOLIO S&P 1500 COMPOSITE STOCK MARKET ETF ETF 78464A805 302 5173 SH SOLE 0 0 0 5173 INTERNATIONAL BUSINESS MACHS COM Stock 459200101 245 1832 SH SOLE 0 0 0 1831 VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858 1210 24457 SH SOLE 0 0 0 24456 TARGET CORP COM Stock 87612E106 238 1028 SH SOLE 0 0 0 1028 VANGUARD HIGH DIVIDEND YIELD ETF ETF 921946406 266 2375 SH SOLE 0 0 0 2375 PFIZER INC COM Stock 717081103 1255 21256 SH SOLE 0 0 0 21255 ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF ETF 464287242 967 7294 SH SOLE 0 0 0 7294 CATERPILLAR INC COM Stock 149123101 292 1412 SH SOLE 0 0 0 1412 ALPHABET INC CAP STK CL C Stock 02079K107 593 205 SH SOLE 0 0 0 205 AMGEN INC COM Stock 031162100 262 1165 SH SOLE 0 0 0 1164 VANGUARD DIVIDEND APPRECIATION INDEX FUND ETF 921908844 942 5487 SH SOLE 0 0 0 5487 ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226 698 6118 SH SOLE 0 0 0 6118 ISHARES CORE TOTAL USD BOND MARKET ETF ETF 46434V613 722 13632 SH SOLE 0 0 0 13632 VANGUARD SHORT-TERM BOND INDEX FUND ETF 921937827 1727 21362 SH SOLE 0 0 0 21362 LAM RESEARCH CORP COM Stock 512807108 1822 2534 SH SOLE 0 0 0 2533 TELADOC HEALTH INC COM Stock 87918A105 309 3362 SH SOLE 0 0 0 3362 SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF ETF 78463X889 7645 209554 SH SOLE 0 0 0 209554 BLACKROCK INC COM Stock 09247X101 202 220 SH SOLE 0 0 0 220 ISHARES S&P MIDCAP FUND ETF 464287507 347 1227 SH SOLE 0 0 0 1226 ISHARES MSCI EAFE ETF ETF 464287465 443 5630 SH SOLE 0 0 0 5630 APPLE INC COM Stock 037833100 18104 101956 SH SOLE 0 0 0 101956 DISNEY WALT CO COM Stock 254687106 813 5251 SH SOLE 0 0 0 5251