Chief Compliance Officer

0001727917-23-000006.txt : 20230719 0001727917-23-000006.hdr.sgml : 20230719 20230718183357 ACCESSION NUMBER: 0001727917-23-000006 CONFORMED SUBMISSION TYPE: 13F-HR PUBLIC DOCUMENT COUNT: 2 CONFORMED PERIOD OF REPORT: 20230630 FILED AS OF DATE: 20230719 DATE AS OF CHANGE: 20230718 EFFECTIVENESS DATE: 20230719 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: 231095250 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 06-30-2023 06-30-2023 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 619-255-0700 Timothy Sagawa San Diego CA 07-18-2023 0 139 249382560 false INFORMATION TABLE 2 gca13f06302023.xml AMAZON COM INC COM Stock 023135106 1278571 9808 SH SOLE 0 0 0 9808 INVESCO QQQ TRUST SERIES I ETF 46090E103 359985 974 SH SOLE 0 0 0 974 STARBUCKS CORP COM Stock 855244109 315826 3188 SH SOLE 0 0 0 3188 JOHNSON & JOHNSON COM Stock 478160104 1445273 8732 SH SOLE 0 0 0 8731 VANGUARD TOTAL STOCK MARKET ETF ETF 922908769 1029368 4673 SH SOLE 0 0 0 4673 VANGUARD INTERNATIONAL HIGH DIVIDEND YIELD ETF ETF 921946794 207170 3278 SH SOLE 0 0 0 3278 COSTCO WHSL CORP NEW COM Stock 22160K105 293137 544 SH SOLE 0 0 0 544 YUM BRANDS INC COM Stock 988498101 322129 2325 SH SOLE 0 0 0 2325 PROCTER AND GAMBLE CO COM Stock 742718109 279237 1840 SH SOLE 0 0 0 1840 VANGUARD REAL ESTATE ETF ETF 922908553 1469802 17590 SH SOLE 0 0 0 17589 INTEL CORP COM Stock 458140100 470736 14077 SH SOLE 0 0 0 14077 NETFLIX INC COM Stock 64110L106 372655 846 SH SOLE 0 0 0 846 MERCK & CO INC COM Stock 58933Y105 340285 2949 SH SOLE 0 0 0 2949 SPDR S&P 500 ETF TRUST ETF 78462F103 571388 1289 SH SOLE 0 0 0 1289 YUM CHINA HLDGS INC COM Stock 98850P109 253855 4493 SH SOLE 0 0 0 4493 NUVEEN CALIFORNIA AMT QLT MUN COM CEF 670651108 165645 14354 SH SOLE 0 0 0 14354 ISHARES TIPS BOND ETF ETF 464287176 285553 2653 SH SOLE 0 0 0 2653 ISHARES COHEN & STEERS REIT ETF ETF 464287564 318361 5729 SH SOLE 0 0 0 5729 FEDEX CORP COM Stock 31428X106 229060 924 SH SOLE 0 0 0 924 HOME DEPOT INC COM Stock 437076102 757906 2440 SH SOLE 0 0 0 2439 SPDR GOLD SHARES ETF 78463V107 974246 5465 SH SOLE 0 0 0 5465 SCHWAB U.S. SMALL-CAP ETF ETF 808524607 1024710 23395 SH SOLE 0 0 0 23395 SCHWAB U.S. BROAD MARKET ETF ETF 808524102 1333808 25799 SH SOLE 0 0 0 25799 SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805 9733422 273027 SH SOLE 0 0 0 273027 SCHWAB U.S. LARGE-CAP ETF ETF 808524201 6287003 120050 SH SOLE 0 0 0 120049 CONSUMER STAPLES SELECT SECTOR SPDR FUND ETF 81369Y308 878276 11841 SH SOLE 0 0 0 11841 JPMORGAN ULTRA-SHORT INCOME ETF ETF 46641Q837 7467250 148928 SH SOLE 0 0 0 148928 SPDR PORTFOLIO SHORT TERM CORPORATE BOND ETF ETF 78464A474 760435 25830 SH SOLE 0 0 0 25830 ISHARES CORE S&P SMALL CAP ETF ETF 464287804 665667 6680 SH SOLE 0 0 0 6680 BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702 2270037 6657 SH SOLE 0 0 0 6657 SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706 477579 19390 SH SOLE 0 0 0 19390 ADOBE SYSTEMS INCORPORATED COM Stock 00724F101 358919 734 SH SOLE 0 0 0 734 VANGUARD SHORT-TERM CORPORATE BOND ETF ETF 92206C409 6237207 82437 SH SOLE 0 0 0 82437 ALPHABET INC CAP STK CL A Stock 02079K305 2056326 17179 SH SOLE 0 0 0 17179 INTUIT COM Stock 461202103 257503 562 SH SOLE 0 0 0 562 SCHWAB INTERNATIONAL SMALL-CAP EQUITY ETF ETF 808524888 274137 8118 SH SOLE 0 0 0 8117 MICROSOFT CORP COM Stock 594918104 4968917 14591 SH SOLE 0 0 0 14591 SPDR GOLD MINISHARES TRUST ETF 98149E303 1218651 31994 SH SOLE 0 0 0 31994 BOEING CO COM Stock 097023105 353507 1674 SH SOLE 0 0 0 1674 VANGUARD SMALL-CAP ETF ETF 922908751 2902228 14592 SH SOLE 0 0 0 14592 VANGUARD MID-CAP ETF ETF 922908629 3377685 15342 SH SOLE 0 0 0 15341 VANGUARD LARGE-CAP ETF ETF 922908637 4068973 20072 SH SOLE 0 0 0 20071 TESLA INC COM Stock 88160R101 7644993 29205 SH SOLE 0 0 0 29205 JPMORGAN ULTRA-SHORT MUNICIPAL INCOME ETF ETF 46641Q654 1099763 21713 SH SOLE 0 0 0 21713 VANGUARD HEALTH CARE ETF ETF 92204A504 859397 3510 SH SOLE 0 0 0 3510 SCHWAB U.S. LARGE-CAP VALUE ETF ETF 808524409 1132882 16886 SH SOLE 0 0 0 16886 SCHWAB US TIPS ETF ETF 808524870 612749 11687 SH SOLE 0 0 0 11687 VANGUARD S&P 500 ETF ETF 922908363 6654868 16340 SH SOLE 0 0 0 16339 VANGUARD GLOBAL EX-U.S. REAL ESTATE ETF ETF 922042676 2589000 64419 SH SOLE 0 0 0 64419 SCHWAB U.S. REIT ETF ETF 808524847 1034563 52973 SH SOLE 0 0 0 52973 AVANTIS U.S. SMALL CAP VALUE ETF ETF 025072877 979981 12627 SH SOLE 0 0 0 12627 SCHWAB U.S. MID-CAP ETF ETF 808524508 6854892 96507 SH SOLE 0 0 0 96507 AVANTIS INTERNATIONAL SMALL CAP VALUE ETF ETF 025072802 1215092 21110 SH SOLE 0 0 0 21110 VANGUARD TOTAL INTERNATIONAL STOCK ETF ETF 921909768 3711543 66183 SH SOLE 0 0 0 66183 ISHARES RUSSELL 2000 ETF ETF 464287655 962942 5142 SH SOLE 0 0 0 5142 INVESCO S&P 500 LOW VOLATILITY ETF ETF 46138E354 454305 7233 SH SOLE 0 0 0 7233 VANGUARD SMALL CAP VALUE ETF ETF 922908611 1620620 9798 SH SOLE 0 0 0 9798 INVESCO BULLETSHARES 2030 CORPORATE BOND ETF ETF 46138J460 202500 12500 SH SOLE 0 0 0 12500 REGENERON PHARMACEUTICALS COM Stock 75886F107 275919 384 SH SOLE 0 0 0 384 DIMENSIONAL US CORE EQUITY MARKET ETF ETF 25434V104 283651 9153 SH SOLE 0 0 0 9153 DIMENSIONAL INTERNATIONAL CORE EQUITY MARKET ETF ETF 25434V203 439633 16092 SH SOLE 0 0 0 16092 IMMUNOPRECISE ANTIBODIES LTD COM NEW Stock 45257F200 79352 26808 SH SOLE 0 0 0 26808 DIMENSIONAL EMERGING CORE EQUITY MARKET ETF ETF 25434V302 1497241 63821 SH SOLE 0 0 0 63821 SCHWAB US AGGREGATE BOND ETF ETF 808524839 955351 20697 SH SOLE 0 0 0 20696 SPDR NUVEEN BLOOMBERG HIGH YIELD MUNICIPAL BOND ETF ETF 78464A284 394858 15788 SH SOLE 0 0 0 15788 SCHWAB US DIVIDEND EQUITY ETF ETF 808524797 2125463 29268 SH SOLE 0 0 0 29268 INVESCO BULLETSHARES 2030 MUNICIPAL BOND ETF ETF 46138J445 206056 9381 SH SOLE 0 0 0 9381 JPMORGAN SHORT DURATION CORE PLUS ETF ETF 46641Q274 282128 6160 SH SOLE 0 0 0 6160 VANGUARD ULTRA-SHORT BOND ETF ETF 92203C303 1068443 21734 SH SOLE 0 0 0 21734 VISA INC COM CL A Stock 92826C839 557971 2350 SH SOLE 0 0 0 2349 DIMENSIONAL U.S. CORE EQUITY 2 ETF ETF 25434V708 579380 21340 SH SOLE 0 0 0 21339 DIMENSIONAL U.S. TARGETED VALUE ETF ETF 25434V609 6561615 141445 SH SOLE 0 0 0 141444 DIMENSIONAL U.S. EQUITY ETF ETF 25434V401 503465 10454 SH SOLE 0 0 0 10454 DIMENSIONAL WORLD EX U.S. CORE EQUITY 2 ETF ETF 25434V880 2159398 92638 SH SOLE 0 0 0 92638 AVANTIS U.S. LARGE CAP VALUE ETF ETF 025072349 302601 5672 SH SOLE 0 0 0 5672 INVESCO BULLETSHARES 2031 CORPORATE BOND ETF ETF 46138J429 403156 25252 SH SOLE 0 0 0 25252 INVESCO BULLETSHARES 2031 MUNICIPAL BOND ETF ETF 46138J411 416641 19704 SH SOLE 0 0 0 19704 VANGUARD VALUE ETF ETF 922908744 979520 6893 SH SOLE 0 0 0 6893 VANGUARD GROWTH ETF ETF 922908736 3196669 11297 SH SOLE 0 0 0 11297 SPDR BLOOMBERG SHORT TERM HIGH YIELD BOND ETF ETF 78468R408 282617 11442 SH SOLE 0 0 0 11442 DIMENSIONAL SHORT-DURATION FIXED INCOME ETF ETF 25434V864 3445983 74347 SH SOLE 0 0 0 74347 META PLATFORMS INC CL A Stock 30303M102 1568920 5467 SH SOLE 0 0 0 5467 DIMENSIONAL US REAL ESTATE ETF ETF 25434V823 3172737 147432 SH SOLE 0 0 0 147432 DIMENSIONAL US SMALL CAP VALUE ETF ETF 25434V815 1173565 45664 SH SOLE 0 0 0 45664 DIMENSIONAL INTERNATIONAL SMALL CAP VALUE ETF ETF 25434V781 1613521 68225 SH SOLE 0 0 0 68225 DIMENSIONAL INTERNATIONAL CORE EQUITY 2 ETF ETF 25434V799 557288 22962 SH SOLE 0 0 0 22962 JPMORGAN INFLATION MANAGED BOND ETF ETF 46654Q104 291934 6322 SH SOLE 0 0 0 6321 DIMENSIONAL US MARKETWIDE VALUE ETF ETF 25434V724 4636527 134392 SH SOLE 0 0 0 134392 ISHARES IBONDS DEC 2032 TERM CORPORATE ETF ETF 46436E312 390005 15841 SH SOLE 0 0 0 15841 WP CAREY INC COM REIT 92936U109 2384616 35296 SH SOLE 0 0 0 35296 BROADCOM INC COM Stock 11135F101 845997 975 SH SOLE 0 0 0 975 VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF ETF 922020805 7631443 160933 SH SOLE 0 0 0 160933 ISHARES CORE MSCI EAFE ETF ETF 46432F842 452041 6697 SH SOLE 0 0 0 6696 DIMENSIONAL US LARGE CAP VALUE ETF ETF 25434V666 294665 11601 SH SOLE 0 0 0 11601 WISDOMTREE U.S. TOTAL DIVIDEND FUND ETF 97717W109 477224 7686 SH SOLE 0 0 0 7686 ACCENTURE PLC IRELAND SHS CLASS A Stock G1151C101 354867 1150 SH SOLE 0 0 0 1150 NVIDIA CORPORATION COM Stock 67066G104 1027516 2429 SH SOLE 0 0 0 2429 ISHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF ETF 464288646 2686516 53548 SH SOLE 0 0 0 53548 PGIM GLOBAL HIGH YIELD FD FORM COM CEF 69346J106 282631 25764 SH SOLE 0 0 0 25764 VANGUARD FTSE ALL-WORLD EX-US INDEX FUND ETF 922042775 1516037 27863 SH SOLE 0 0 0 27863 TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS ADR 874039100 230501 2284 SH SOLE 0 0 0 2284 BLACKSTONE INC COM Stock 09260D107 417156 4487 SH SOLE 0 0 0 4487 ISHARES MSCI GLOBAL ENERGY PRODUCERS ETF ETF 464286343 330285 14261 SH SOLE 0 0 0 14261 QUALCOMM INC COM Stock 747525103 1323097 11115 SH SOLE 0 0 0 11114 ADVANCED MICRO DEVICES INC COM Stock 007903107 255500 2243 SH SOLE 0 0 0 2243 ENERGY SELECT SECTOR SPDR FUND ETF 81369Y506 259329 3195 SH SOLE 0 0 0 3194 ISHARES S&P 500 VALUE ETF ETF 464287408 434085 2693 SH SOLE 0 0 0 2693 LULULEMON ATHLETICA INC COM Stock 550021109 757757 2002 SH SOLE 0 0 0 2002 ISHARES S&P 500 GROWTH ETF ETF 464287309 360999 5122 SH SOLE 0 0 0 5122 ISHARES CORE S&P 500 ETF ETF 464287200 25304739 56774 SH SOLE 0 0 0 56773 DIMENSIONAL EMERGING MARKETS CORE EQUITY 2 ETF ETF 25434V732 3526187 146619 SH SOLE 0 0 0 146619 SALESFORCE INC COM Stock 79466L302 209992 994 SH SOLE 0 0 0 994 LOCKHEED MARTIN CORP COM Stock 539830109 877549 1906 SH SOLE 0 0 0 1906 JPMORGAN CHASE & CO COM Stock 46625H100 3583808 24641 SH SOLE 0 0 0 24641 CHEVRON CORP NEW COM Stock 166764100 1355054 8612 SH SOLE 0 0 0 8611 VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 4213048 91231 SH SOLE 0 0 0 91231 BANK AMERICA CORP COM Stock 060505104 707180 24649 SH SOLE 0 0 0 24648 SPDR PORTFOLIO S&P 1500 COMPOSITE STOCK MARKET ETF ETF 78464A805 545410 10019 SH SOLE 0 0 0 10018 INTERNATIONAL BUSINESS MACHS COM Stock 459200101 237900 1778 SH SOLE 0 0 0 1777 VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858 938145 23062 SH SOLE 0 0 0 23061 VANGUARD HIGH DIVIDEND YIELD INDEX ETF ETF 921946406 615347 5801 SH SOLE 0 0 0 5801 PFIZER INC COM Stock 717081103 724070 19740 SH SOLE 0 0 0 19740 ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF ETF 464287242 622527 5757 SH SOLE 0 0 0 5756 CATERPILLAR INC COM Stock 149123101 436461 1774 SH SOLE 0 0 0 1773 ALPHABET INC CAP STK CL C Stock 02079K107 470573 3890 SH SOLE 0 0 0 3890 AMGEN INC COM Stock 031162100 776275 3496 SH SOLE 0 0 0 3496 VANGUARD DIVIDEND APPRECIATION ETF ETF 921908844 964218 5936 SH SOLE 0 0 0 5936 ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226 510711 5214 SH SOLE 0 0 0 5214 ISHARES CORE TOTAL USD BOND MARKET ETF ETF 46434V613 297419 6541 SH SOLE 0 0 0 6541 VANGUARD SHORT-TERM BOND ETF ETF 921937827 996942 13192 SH SOLE 0 0 0 13192 LAM RESEARCH CORP COM Stock 512807108 1690248 2629 SH SOLE 0 0 0 2629 BRISTOL-MYERS SQUIBB CO COM Stock 110122108 309070 4833 SH SOLE 0 0 0 4833 EXXON MOBIL CORP COM Stock 30231G102 479538 4471 SH SOLE 0 0 0 4471 SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF ETF 78463X889 8753618 269011 SH SOLE 0 0 0 269011 BLACKROCK INC COM Stock 09247X101 303024 438 SH SOLE 0 0 0 438 ISHARES CORE S&P MID-CAP ETF ETF 464287507 298778 1143 SH SOLE 0 0 0 1142 ISHARES MSCI EAFE ETF ETF 464287465 366488 5055 SH SOLE 0 0 0 5055 APPLE INC COM Stock 037833100 19839416 102281 SH SOLE 0 0 0 102280 DISNEY WALT CO COM Stock 254687106 362437 4060 SH SOLE 0 0 0 4059