Chief Compliance Officer

0001727917-22-000006.txt : 20220718 0001727917-22-000006.hdr.sgml : 20220718 20220715175301 ACCESSION NUMBER: 0001727917-22-000006 CONFORMED SUBMISSION TYPE: 13F-HR PUBLIC DOCUMENT COUNT: 2 CONFORMED PERIOD OF REPORT: 20220630 FILED AS OF DATE: 20220718 DATE AS OF CHANGE: 20220715 EFFECTIVENESS DATE: 20220718 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: 221087754 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 06-30-2022 06-30-2022 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 07-15-2022 0 112 208410 false INFORMATION TABLE 2 gca13f06302022.xml AMAZON COM INC COM Stock 023135106 646 6080 SH SOLE 0 0 0 6080 INVESCO QQQ TRUST ETF 46090E103 242 862 SH SOLE 0 0 0 862 STARBUCKS CORP COM Stock 855244109 203 2664 SH SOLE 0 0 0 2663 JOHNSON & JOHNSON COM Stock 478160104 1427 8042 SH SOLE 0 0 0 8041 VANGUARD TOTAL STOCK MARKET INDEX FUND ETF 922908769 778 4127 SH SOLE 0 0 0 4127 COSTCO WHSL CORP NEW COM Stock 22160K105 258 538 SH SOLE 0 0 0 538 PROCTER AND GAMBLE CO COM Stock 742718109 295 2053 SH SOLE 0 0 0 2052 VANGUARD REAL ESTATE ETF ETF 922908553 1657 18185 SH SOLE 0 0 0 18185 INTEL CORP COM Stock 458140100 572 15277 SH SOLE 0 0 0 15276 SPDR DOW JONES GLOBAL REAL ESTATE ETF ETF 78463X749 470 10639 SH SOLE 0 0 0 10639 MERCK & CO INC COM Stock 58933Y105 203 2232 SH SOLE 0 0 0 2232 SPDR S&P 500 ETF ETF 78462F103 530 1406 SH SOLE 0 0 0 1406 ISHARES TIPS BOND ETF ETF 464287176 308 2706 SH SOLE 0 0 0 2706 ISHARES COHEN & STEERS REIT ETF ETF 464287564 377 6199 SH SOLE 0 0 0 6199 HOME DEPOT INC COM Stock 437076102 662 2415 SH SOLE 0 0 0 2414 SPDR GOLD SHARES ETF 78463V107 838 4974 SH SOLE 0 0 0 4974 SCHWAB U.S. SMALL-CAP ETF ETF 808524607 890 22837 SH SOLE 0 0 0 22837 SCHWAB U.S. BROAD MARKET ETF ETF 808524102 1188 26877 SH SOLE 0 0 0 26877 SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805 8329 264847 SH SOLE 0 0 0 264846 SCHWAB U.S. LARGE-CAP ETF ETF 808524201 4342 97218 SH SOLE 0 0 0 97217 CONSUMER STAPLES SELECT SECTOR SPDR FUND ETF 81369Y308 884 12251 SH SOLE 0 0 0 12251 JPMORGAN ULTRA-SHORT INCOME ETF ETF 46641Q837 8044 160596 SH SOLE 0 0 0 160596 SPDR PORTFOLIO SHORT TERM CORPORATE BOND ETF ETF 78464A474 722 24289 SH SOLE 0 0 0 24289 ISHARES S&P SMALL-CAP FUND ETF 464287804 634 6863 SH SOLE 0 0 0 6862 BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702 1615 5916 SH SOLE 0 0 0 5916 SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706 524 20637 SH SOLE 0 0 0 20637 VANGUARD SHORT-TERM CORPORATE BOND INDEX FUND ETF 92206C409 6805 89233 SH SOLE 0 0 0 89232 ALPHABET INC CAP STK CL A Stock 02079K305 1517 696 SH SOLE 0 0 0 696 SCHWAB INTERNATIONAL SMALL-CAP EQUITY ETF ETF 808524888 296 9464 SH SOLE 0 0 0 9463 MICROSOFT CORP COM Stock 594918104 3061 11918 SH SOLE 0 0 0 11917 SPDR GOLD MINISHARES TRUST ETF 98149E303 1070 29831 SH SOLE 0 0 0 29831 VANGUARD SMALL-CAP INDEX FUND ETF 922908751 2692 15288 SH SOLE 0 0 0 15288 VANGUARD MID-CAP INDEX FUND ETF 922908629 3234 16418 SH SOLE 0 0 0 16418 VANGUARD LARGE-CAP INDEX FUND ETF 922908637 3257 18897 SH SOLE 0 0 0 18896 TESLA INC COM Stock 88160R101 6643 9864 SH SOLE 0 0 0 9864 JPMORGAN ULTRA-SHORT MUNICIPAL INCOME ETF ETF 46641Q654 2123 41914 SH SOLE 0 0 0 41914 VANGUARD HEALTH CARE INDEX FUND ETF 92204A504 704 2991 SH SOLE 0 0 0 2990 SCHWAB U.S. LARGE-CAP VALUE ETF ETF 808524409 1203 19270 SH SOLE 0 0 0 19270 SCHWAB U.S. TIPS ETF ETF 808524870 671 12034 SH SOLE 0 0 0 12034 VANGUARD S&P 500 ETF ETF 922908363 6096 17574 SH SOLE 0 0 0 17574 VANGUARD GLOBAL EX-U.S. REAL ESTATE INDEX ETF 922042676 2427 54815 SH SOLE 0 0 0 54815 ISHARES 0-5 YEAR TIPS BOND ETF ETF 46429B747 778 7666 SH SOLE 0 0 0 7665 SCHWAB U.S. REIT ETF ETF 808524847 1929 91482 SH SOLE 0 0 0 91482 AVANTIS U.S. SMALL CAP VALUE ETF ETF 025072877 1830 26775 SH SOLE 0 0 0 26775 SCHWAB U.S. MID-CAP ETF ETF 808524508 5246 83634 SH SOLE 0 0 0 83634 AVANTIS INTERNATIONAL SMALL CAP VALUE ETF ETF 025072802 1290 24444 SH SOLE 0 0 0 24444 VANGUARD TOTAL INTERNATIONAL STOCK ETF ETF 921909768 3132 60690 SH SOLE 0 0 0 60690 ISHARES RUSSELL 2000 ETF ETF 464287655 243 1432 SH SOLE 0 0 0 1432 INVESCO S&P 500 LOW VOLATILITY ETF ETF 46138E354 469 7568 SH SOLE 0 0 0 7568 VANGUARD SMALL-CAP VALUE INDEX FUND ETF 922908611 1571 10485 SH SOLE 0 0 0 10485 DIMENSIONAL INTERNATIONAL CORE EQUITY MARKET ETF ETF 25434V203 782 32394 SH SOLE 0 0 0 32394 IMMUNOPRECISE ANTIBODIES LTD COM NEW Stock 45257F200 76 20000 SH SOLE 0 0 0 20000 DIMENSIONAL EMERGING CORE EQUITY MARKET ETF ETF 25434V302 1651 71268 SH SOLE 0 0 0 71268 SCHWAB US AGGREGATE BOND ETF ETF 808524839 1503 31389 SH SOLE 0 0 0 31389 SPDR NUVEEN BLOOMBERG HIGH YIELD MUNICIPAL BOND ETF ETF 78464A284 505 9820 SH SOLE 0 0 0 9820 SCHWAB US DIVIDEND EQUITY ETF ETF 808524797 1196 16691 SH SOLE 0 0 0 16691 JPMORGAN SHORT DURATION CORE PLUS ETF ETF 46641Q274 286 6160 SH SOLE 0 0 0 6160 VANGUARD ULTRA-SHORT BOND ETF ETF 92203C303 2500 50822 SH SOLE 0 0 0 50821 DIMENSIONAL U.S. CORE EQUITY 2 ETF ETF 25434V708 209 8973 SH SOLE 0 0 0 8973 DIMENSIONAL U.S. TARGETED VALUE ETF ETF 25434V609 4504 111980 SH SOLE 0 0 0 111980 DIMENSIONAL WORLD EX U.S. CORE EQUITY 2 ETF ETF 25434V880 1151 53697 SH SOLE 0 0 0 53697 AVANTIS U.S. LARGE CAP VALUE ETF ETF 025072349 372 8063 SH SOLE 0 0 0 8063 VANGUARD VALUE INDEX FUND ETF 922908744 1460 11073 SH SOLE 0 0 0 11073 VANGUARD GROWTH INDEX FUND ETF 922908736 2650 11890 SH SOLE 0 0 0 11890 SPDR BLOOMBERG SHORT TERM HIGH YIELD BOND ETF ETF 78468R408 671 27806 SH SOLE 0 0 0 27806 DIMENSIONAL SHORT-DURATION FIXED INCOME ETF ETF 25434V864 2448 52210 SH SOLE 0 0 0 52210 META PLATFORMS INC CL A Stock 30303M102 1170 7256 SH SOLE 0 0 0 7256 DIMENSIONAL US REAL ESTATE ETF ETF 25434V823 1821 78804 SH SOLE 0 0 0 78804 DIMENSIONAL US MARKETWIDE VALUE ETF ETF 25434V724 2428 76821 SH SOLE 0 0 0 76821 WP CAREY INC COM REIT 92936U109 2618 31599 SH SOLE 0 0 0 31599 BROADCOM INC COM Stock 11135F101 460 946 SH SOLE 0 0 0 945 VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF ETF 922020805 11244 224348 SH SOLE 0 0 0 224348 ISHARES CORE MSCI EAFE ETF ETF 46432F842 395 6720 SH SOLE 0 0 0 6720 WISDOMTREE U.S. TOTAL DIVIDEND FUND ETF 97717W109 445 7686 SH SOLE 0 0 0 7686 NVIDIA CORPORATION COM Stock 67066G104 217 1429 SH SOLE 0 0 0 1429 ISHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF ETF 464288646 3363 66536 SH SOLE 0 0 0 66535 PGIM GLOBAL HIGH YIELD FD FORM COM CEF 69346J106 296 25764 SH SOLE 0 0 0 25764 VANGUARD FTSE ALL-WORLD EX US INDEX FUND ETF 922042775 1413 28290 SH SOLE 0 0 0 28290 PALATIN TECHNOLOGIES INC COM PAR $ .01 Stock 696077403 3 10760 SH SOLE 0 0 0 10760 ISHARES MSCI GLOBAL ENERGY PRODUCERS ETF ETF 464286343 305 14370 SH SOLE 0 0 0 14370 QUALCOMM INC COM Stock 747525103 1188 9303 SH SOLE 0 0 0 9303 ENERGY SELECT SECTOR SPDR FUND ETF 81369Y506 217 3032 SH SOLE 0 0 0 3031 ISHARES S&P 500 VALUE ETF ETF 464287408 373 2713 SH SOLE 0 0 0 2713 LULULEMON ATHLETICA INC COM Stock 550021109 507 1859 SH SOLE 0 0 0 1859 ISHARES S&P 500 GROWTH ETF ETF 464287309 309 5122 SH SOLE 0 0 0 5122 ISHARES CORE S&P 500 ETF ETF 464287200 21469 56625 SH SOLE 0 0 0 56625 DIMENSIONAL EMERGING MARKETS CORE EQUITY 2 ETF ETF 25434V732 603 25616 SH SOLE 0 0 0 25616 LOCKHEED MARTIN CORP COM Stock 539830109 737 1714 SH SOLE 0 0 0 1714 JPMORGAN CHASE & CO COM Stock 46625H100 2637 23419 SH SOLE 0 0 0 23418 CHEVRON CORP NEW COM Stock 166764100 1296 8951 SH SOLE 0 0 0 8951 VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 3955 96946 SH SOLE 0 0 0 96946 BK OF AMERICA CORP COM Stock 060505104 796 25566 SH SOLE 0 0 0 25565 SPDR PORTFOLIO S&P 1500 COMPOSITE STOCK MARKET ETF ETF 78464A805 240 5174 SH SOLE 0 0 0 5173 INTERNATIONAL BUSINESS MACHS COM Stock 459200101 248 1759 SH SOLE 0 0 0 1758 VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858 1165 27960 SH SOLE 0 0 0 27960 VANGUARD HIGH DIVIDEND YIELD ETF ETF 921946406 472 4644 SH SOLE 0 0 0 4643 PFIZER INC COM Stock 717081103 1141 21768 SH SOLE 0 0 0 21767 ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF ETF 464287242 790 7178 SH SOLE 0 0 0 7177 CATERPILLAR INC COM Stock 149123101 352 1972 SH SOLE 0 0 0 1971 ALPHABET INC CAP STK CL C Stock 02079K107 475 217 SH SOLE 0 0 0 217 AMGEN INC COM Stock 031162100 731 3005 SH SOLE 0 0 0 3005 VANGUARD DIVIDEND APPRECIATION INDEX FUND ETF 921908844 815 5682 SH SOLE 0 0 0 5681 ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226 608 5982 SH SOLE 0 0 0 5982 ISHARES CORE TOTAL USD BOND MARKET ETF ETF 46434V613 616 13160 SH SOLE 0 0 0 13160 VANGUARD SHORT-TERM BOND INDEX FUND ETF 921937827 1496 19485 SH SOLE 0 0 0 19485 LAM RESEARCH CORP COM Stock 512807108 1021 2395 SH SOLE 0 0 0 2395 EXXON MOBIL CORP COM Stock 30231G102 333 3891 SH SOLE 0 0 0 3891 SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF ETF 78463X889 5766 199916 SH SOLE 0 0 0 199916 ISHARES S&P MIDCAP FUND ETF 464287507 278 1227 SH SOLE 0 0 0 1226 ISHARES MSCI EAFE ETF ETF 464287465 352 5630 SH SOLE 0 0 0 5630 APPLE INC COM Stock 037833100 13931 101896 SH SOLE 0 0 0 101895 DISNEY WALT CO COM Stock 254687106 426 4517 SH SOLE 0 0 0 4516