Chief Compliance Officer

0001727917-23-000008.txt : 20231025 0001727917-23-000008.hdr.sgml : 20231025 20231024190513 ACCESSION NUMBER: 0001727917-23-000008 CONFORMED SUBMISSION TYPE: 13F-HR PUBLIC DOCUMENT COUNT: 2 CONFORMED PERIOD OF REPORT: 20230930 FILED AS OF DATE: 20231025 DATE AS OF CHANGE: 20231024 EFFECTIVENESS DATE: 20231025 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: 231343650 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 09-30-2023 09-30-2023 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 6192550700 Timothy Sagawa San Diego CA 10-24-2023 0 136 239192629 false INFORMATION TABLE 2 gca13f09302023.xml AMAZON COM INC COM Stock 023135106 1257852 9895 SH SOLE 0 0 0 9895 INVESCO QQQ TRUST SERIES I ETF 46090E103 349132 974 SH SOLE 0 0 0 974 STARBUCKS CORP COM Stock 855244109 311151 3409 SH SOLE 0 0 0 3409 JOHNSON & JOHNSON COM Stock 478160104 1364197 8759 SH SOLE 0 0 0 8758 VANGUARD TOTAL STOCK MARKET ETF ETF 922908769 1013196 4770 SH SOLE 0 0 0 4770 VANGUARD INTERNATIONAL HIGH DIVIDEND YIELD ETF ETF 921946794 202875 3278 SH SOLE 0 0 0 3278 COSTCO WHSL CORP NEW COM Stock 22160K105 300852 533 SH SOLE 0 0 0 532 YUM BRANDS INC COM Stock 988498101 290486 2325 SH SOLE 0 0 0 2325 PROCTER AND GAMBLE CO COM Stock 742718109 277191 1900 SH SOLE 0 0 0 1900 VANGUARD REAL ESTATE ETF ETF 922908553 1325136 17514 SH SOLE 0 0 0 17514 INTEL CORP COM Stock 458140100 607376 17085 SH SOLE 0 0 0 17085 NETFLIX INC COM Stock 64110L106 322848 855 SH SOLE 0 0 0 855 MERCK & CO INC COM Stock 58933Y105 310557 3017 SH SOLE 0 0 0 3016 SPDR S&P 500 ETF TRUST ETF 78462F103 551022 1289 SH SOLE 0 0 0 1289 YUM CHINA HLDGS INC COM Stock 98850P109 250350 4493 SH SOLE 0 0 0 4493 ISHARES TIPS BOND ETF ETF 464287176 253165 2441 SH SOLE 0 0 0 2440 ISHARES COHEN & STEERS REIT ETF ETF 464287564 287367 5729 SH SOLE 0 0 0 5729 FEDEX CORP COM Stock 31428X106 244786 924 SH SOLE 0 0 0 924 HOME DEPOT INC COM Stock 437076102 748699 2478 SH SOLE 0 0 0 2477 SPDR GOLD SHARES ETF 78463V107 920858 5371 SH SOLE 0 0 0 5371 SCHWAB U.S. SMALL-CAP ETF ETF 808524607 934472 22561 SH SOLE 0 0 0 22560 SCHWAB U.S. BROAD MARKET ETF ETF 808524102 1302780 26134 SH SOLE 0 0 0 26134 SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805 9149682 269425 SH SOLE 0 0 0 269425 SCHWAB U.S. LARGE-CAP ETF ETF 808524201 5842245 115459 SH SOLE 0 0 0 115459 CONSUMER STAPLES SELECT SECTOR SPDR FUND ETF 81369Y308 858937 12483 SH SOLE 0 0 0 12482 JPMORGAN ULTRA-SHORT INCOME ETF ETF 46641Q837 7062885 140751 SH SOLE 0 0 0 140751 SPDR PORTFOLIO SHORT TERM CORPORATE BOND ETF ETF 78464A474 593756 20251 SH SOLE 0 0 0 20250 ISHARES CORE S&P SMALL CAP ETF ETF 464287804 624186 6617 SH SOLE 0 0 0 6617 BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702 2437738 6959 SH SOLE 0 0 0 6959 SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706 429319 17933 SH SOLE 0 0 0 17933 ADOBE INC COM Stock 00724F101 377836 741 SH SOLE 0 0 0 741 VANGUARD SHORT-TERM CORPORATE BOND ETF ETF 92206C409 6990406 93019 SH SOLE 0 0 0 93019 ALPHABET INC CAP STK CL A Stock 02079K305 2517746 19240 SH SOLE 0 0 0 19240 INTUIT COM Stock 461202103 290725 569 SH SOLE 0 0 0 569 SCHWAB INTERNATIONAL SMALL-CAP EQUITY ETF ETF 808524888 257960 7999 SH SOLE 0 0 0 7998 MICROSOFT CORP COM Stock 594918104 4648458 14722 SH SOLE 0 0 0 14721 SPDR GOLD MINISHARES TRUST ETF 98149E303 1131987 30878 SH SOLE 0 0 0 30878 BOEING CO COM Stock 097023105 328754 1715 SH SOLE 0 0 0 1715 VANGUARD SMALL-CAP ETF ETF 922908751 2783403 14722 SH SOLE 0 0 0 14721 VANGUARD MID-CAP ETF ETF 922908629 3190356 15321 SH SOLE 0 0 0 15320 VANGUARD LARGE-CAP ETF ETF 922908637 3908494 19973 SH SOLE 0 0 0 19972 TESLA INC COM Stock 88160R101 7328443 29288 SH SOLE 0 0 0 29288 JPMORGAN ULTRA-SHORT MUNICIPAL INCOME ETF ETF 46641Q654 1029937 20415 SH SOLE 0 0 0 20415 VANGUARD HEALTH CARE ETF ETF 92204A504 826830 3517 SH SOLE 0 0 0 3516 SCHWAB U.S. LARGE-CAP VALUE ETF ETF 808524409 1088472 16886 SH SOLE 0 0 0 16886 SCHWAB US TIPS ETF ETF 808524870 566801 11226 SH SOLE 0 0 0 11226 VANGUARD S&P 500 ETF ETF 922908363 5283742 13455 SH SOLE 0 0 0 13454 VANGUARD GLOBAL EX-U.S. REAL ESTATE ETF ETF 922042676 2515306 64611 SH SOLE 0 0 0 64611 SCHWAB U.S. REIT ETF ETF 808524847 858550 48369 SH SOLE 0 0 0 48369 AVANTIS U.S. SMALL CAP VALUE ETF ETF 025072877 991758 12723 SH SOLE 0 0 0 12723 SCHWAB U.S. MID-CAP ETF ETF 808524508 6749253 99723 SH SOLE 0 0 0 99723 AVANTIS INTERNATIONAL SMALL CAP VALUE ETF ETF 025072802 1222775 21137 SH SOLE 0 0 0 21137 VANGUARD TOTAL INTERNATIONAL STOCK ETF ETF 921909768 3554210 66409 SH SOLE 0 0 0 66409 ISHARES RUSSELL 2000 ETF ETF 464287655 908797 5142 SH SOLE 0 0 0 5142 INVESCO S&P 500 LOW VOLATILITY ETF ETF 46138E354 422583 7188 SH SOLE 0 0 0 7188 VANGUARD SMALL CAP VALUE ETF ETF 922908611 1540430 9658 SH SOLE 0 0 0 9658 INVESCO BULLETSHARES 2030 CORPORATE BOND ETF ETF 46138J460 194750 12500 SH SOLE 0 0 0 12500 REGENERON PHARMACEUTICALS COM Stock 75886F107 316017 384 SH SOLE 0 0 0 384 DIMENSIONAL US CORE EQUITY MARKET ETF ETF 25434V104 215610 7199 SH SOLE 0 0 0 7199 DIMENSIONAL INTERNATIONAL CORE EQUITY MARKET ETF ETF 25434V203 420162 16092 SH SOLE 0 0 0 16092 IMMUNOPRECISE ANTIBODIES LTD COM NEW Stock 45257F200 49059 26808 SH SOLE 0 0 0 26808 DIMENSIONAL EMERGING CORE EQUITY MARKET ETF ETF 25434V302 1452425 64352 SH SOLE 0 0 0 64352 SCHWAB US AGGREGATE BOND ETF ETF 808524839 905118 20464 SH SOLE 0 0 0 20463 SCHWAB US DIVIDEND EQUITY ETF ETF 808524797 2137788 30212 SH SOLE 0 0 0 30211 VANGUARD ULTRA-SHORT BOND ETF ETF 92203C303 926248 18830 SH SOLE 0 0 0 18830 VISA INC COM CL A Stock 92826C839 547104 2379 SH SOLE 0 0 0 2378 DIMENSIONAL U.S. CORE EQUITY 2 ETF ETF 25434V708 521658 19911 SH SOLE 0 0 0 19910 DIMENSIONAL U.S. TARGETED VALUE ETF ETF 25434V609 6386157 139771 SH SOLE 0 0 0 139771 DIMENSIONAL U.S. EQUITY ETF ETF 25434V401 365138 7844 SH SOLE 0 0 0 7844 DIMENSIONAL WORLD EX U.S. CORE EQUITY 2 ETF ETF 25434V880 2070428 91937 SH SOLE 0 0 0 91937 AVANTIS U.S. LARGE CAP VALUE ETF ETF 025072349 284209 5395 SH SOLE 0 0 0 5395 INVESCO BULLETSHARES 2031 CORPORATE BOND ETF ETF 46138J429 385093 25252 SH SOLE 0 0 0 25252 INVESCO BULLETSHARES 2031 MUNICIPAL BOND ETF ETF 46138J411 394259 19704 SH SOLE 0 0 0 19704 VANGUARD VALUE ETF ETF 922908744 950776 6893 SH SOLE 0 0 0 6893 VANGUARD GROWTH ETF ETF 922908736 3052891 11211 SH SOLE 0 0 0 11211 SPDR BLOOMBERG SHORT TERM HIGH YIELD BOND ETF ETF 78468R408 279871 11442 SH SOLE 0 0 0 11442 DIMENSIONAL SHORT-DURATION FIXED INCOME ETF ETF 25434V864 3609013 77814 SH SOLE 0 0 0 77814 META PLATFORMS INC CL A Stock 30303M102 1653256 5507 SH SOLE 0 0 0 5507 DIMENSIONAL US REAL ESTATE ETF ETF 25434V823 3092027 158403 SH SOLE 0 0 0 158403 DIMENSIONAL US SMALL CAP VALUE ETF ETF 25434V815 1506995 59471 SH SOLE 0 0 0 59471 DIMENSIONAL INTERNATIONAL SMALL CAP VALUE ETF ETF 25434V781 1702434 71591 SH SOLE 0 0 0 71591 DIMENSIONAL INTERNATIONAL CORE EQUITY 2 ETF ETF 25434V799 536163 22962 SH SOLE 0 0 0 22962 JPMORGAN INFLATION MANAGED BOND ETF ETF 46654Q104 286610 6341 SH SOLE 0 0 0 6340 DIMENSIONAL US MARKETWIDE VALUE ETF ETF 25434V724 4588556 134878 SH SOLE 0 0 0 134878 ISHARES IBONDS DEC 2032 TERM CORPORATE ETF ETF 46436E312 371947 15841 SH SOLE 0 0 0 15841 WP CAREY INC COM REIT 92936U109 1837708 33981 SH SOLE 0 0 0 33981 BROADCOM INC COM Stock 11135F101 819256 986 SH SOLE 0 0 0 986 VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF ETF 922020805 7070346 149542 SH SOLE 0 0 0 149542 ISHARES CORE MSCI EAFE ETF ETF 46432F842 430945 6697 SH SOLE 0 0 0 6696 DIMENSIONAL US LARGE CAP VALUE ETF ETF 25434V666 430875 17367 SH SOLE 0 0 0 17367 WISDOMTREE U.S. TOTAL DIVIDEND FUND ETF 97717W109 462467 7686 SH SOLE 0 0 0 7686 ACCENTURE PLC IRELAND SHS CLASS A Stock G1151C101 356555 1161 SH SOLE 0 0 0 1161 NVIDIA CORPORATION COM Stock 67066G104 1266691 2912 SH SOLE 0 0 0 2912 ISHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF ETF 464288646 2558521 51345 SH SOLE 0 0 0 51344 PGIM GLOBAL HIGH YIELD FD FORM COM CEF 69346J106 277736 25764 SH SOLE 0 0 0 25764 VANGUARD FTSE ALL-WORLD EX-US INDEX FUND ETF 922042775 1430719 27583 SH SOLE 0 0 0 27582 TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS ADR 874039100 223246 2569 SH SOLE 0 0 0 2569 BLACKSTONE INC COM Stock 09260D107 480737 4487 SH SOLE 0 0 0 4487 ISHARES MSCI GLOBAL ENERGY PRODUCERS ETF ETF 464286343 367791 14261 SH SOLE 0 0 0 14261 QUALCOMM INC COM Stock 747525103 1116540 10053 SH SOLE 0 0 0 10053 CISCO SYS INC COM Stock 17275R102 601320 11185 SH SOLE 0 0 0 11185 ADVANCED MICRO DEVICES INC COM Stock 007903107 700307 6811 SH SOLE 0 0 0 6811 ENERGY SELECT SECTOR SPDR FUND ETF 81369Y506 288938 3197 SH SOLE 0 0 0 3196 ISHARES S&P 500 VALUE ETF ETF 464287408 414291 2693 SH SOLE 0 0 0 2693 LULULEMON ATHLETICA INC COM Stock 550021109 771991 2002 SH SOLE 0 0 0 2002 ISHARES S&P 500 GROWTH ETF ETF 464287309 350447 5122 SH SOLE 0 0 0 5122 ISHARES CORE S&P 500 ETF ETF 464287200 24065256 56040 SH SOLE 0 0 0 56039 DIMENSIONAL EMERGING MARKETS CORE EQUITY 2 ETF ETF 25434V732 3652700 156701 SH SOLE 0 0 0 156701 SALESFORCE INC COM Stock 79466L302 241308 1190 SH SOLE 0 0 0 1190 LOCKHEED MARTIN CORP COM Stock 539830109 785745 1921 SH SOLE 0 0 0 1921 JPMORGAN CHASE & CO COM Stock 46625H100 3679829 25375 SH SOLE 0 0 0 25374 CHEVRON CORP NEW COM Stock 166764100 1975701 11717 SH SOLE 0 0 0 11716 VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 3969732 90799 SH SOLE 0 0 0 90799 BANK AMERICA CORP COM Stock 060505104 677433 24742 SH SOLE 0 0 0 24741 SPDR PORTFOLIO S&P 1500 COMPOSITE STOCK MARKET ETF ETF 78464A805 257039 4897 SH SOLE 0 0 0 4896 INTERNATIONAL BUSINESS MACHS COM Stock 459200101 250183 1783 SH SOLE 0 0 0 1783 VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858 862065 21986 SH SOLE 0 0 0 21985 VANGUARD HIGH DIVIDEND YIELD INDEX ETF ETF 921946406 581126 5625 SH SOLE 0 0 0 5624 PFIZER INC COM Stock 717081103 638634 19253 SH SOLE 0 0 0 19253 ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF ETF 464287242 539735 5290 SH SOLE 0 0 0 5290 CATERPILLAR INC COM Stock 149123101 468235 1715 SH SOLE 0 0 0 1715 ALPHABET INC CAP STK CL C Stock 02079K107 506831 3844 SH SOLE 0 0 0 3844 AMGEN INC COM Stock 031162100 962968 3583 SH SOLE 0 0 0 3583 VANGUARD DIVIDEND APPRECIATION ETF ETF 921908844 911396 5866 SH SOLE 0 0 0 5865 ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226 483366 5140 SH SOLE 0 0 0 5140 VANGUARD SHORT-TERM BOND ETF ETF 921937827 1054321 14026 SH SOLE 0 0 0 14025 LAM RESEARCH CORP COM Stock 512807108 1650417 2633 SH SOLE 0 0 0 2633 BRISTOL-MYERS SQUIBB CO COM Stock 110122108 252184 4345 SH SOLE 0 0 0 4345 EXXON MOBIL CORP COM Stock 30231G102 445020 3785 SH SOLE 0 0 0 3784 SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF ETF 78463X889 8819895 284421 SH SOLE 0 0 0 284421 BLACKROCK INC COM Stock 09247X101 283593 439 SH SOLE 0 0 0 438 ISHARES CORE S&P MID-CAP ETF ETF 464287507 284917 1143 SH SOLE 0 0 0 1142 INVESCO OPTIMUM YIELD DIVERSIFIED COMMODITY STRATEGY NO K-1 ETF ETF 46090F100 153865 10292 SH SOLE 0 0 0 10291 ISHARES MSCI EAFE ETF ETF 464287465 348391 5055 SH SOLE 0 0 0 5055 APPLE INC COM Stock 037833100 16879268 98588 SH SOLE 0 0 0 98588 DISNEY WALT CO COM Stock 254687106 313179 3864 SH SOLE 0 0 0 3864