Chief Compliance Officer

0001727917-24-000002.txt : 20240201 0001727917-24-000002.hdr.sgml : 20240201 20240131203325 ACCESSION NUMBER: 0001727917-24-000002 CONFORMED SUBMISSION TYPE: 13F-HR PUBLIC DOCUMENT COUNT: 2 CONFORMED PERIOD OF REPORT: 20231231 FILED AS OF DATE: 20240201 DATE AS OF CHANGE: 20240131 EFFECTIVENESS DATE: 20240201 FILER: COMPANY DATA: COMPANY CONFORMED NAME: Gradient Capital Advisors, LLC CENTRAL INDEX KEY: 0001727917 ORGANIZATION NAME: 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: 24584659 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 12-31-2023 12-31-2023 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 01-31-2024 0 142 262630373 false INFORMATION TABLE 2 gca13f12312023.xml AMAZON COM INC COM Stock 023135106 1427476 9395 SH SOLE 0 0 0 9395 INVESCO QQQ TRUST SERIES I ETF 46090E103 399090 975 SH SOLE 0 0 0 974 STARBUCKS CORP COM Stock 855244109 328934 3426 SH SOLE 0 0 0 3426 JOHNSON & JOHNSON COM Stock 478160104 1249393 7971 SH SOLE 0 0 0 7971 VANGUARD TOTAL STOCK MARKET ETF ETF 922908769 1098803 4632 SH SOLE 0 0 0 4632 VANGUARD INTERNATIONAL HIGH DIVIDEND YIELD ETF ETF 921946794 217954 3278 SH SOLE 0 0 0 3278 COSTCO WHSL CORP NEW COM Stock 22160K105 351530 533 SH SOLE 0 0 0 532 YUM BRANDS INC COM Stock 988498101 303785 2325 SH SOLE 0 0 0 2325 PROCTER AND GAMBLE CO COM Stock 742718109 271472 1853 SH SOLE 0 0 0 1852 VANGUARD REAL ESTATE ETF ETF 922908553 1608109 18200 SH SOLE 0 0 0 18199 INTEL CORP COM Stock 458140100 769432 15312 SH SOLE 0 0 0 15312 NETFLIX INC COM Stock 64110L106 387070 795 SH SOLE 0 0 0 795 MERCK & CO INC COM Stock 58933Y105 322283 2956 SH SOLE 0 0 0 2956 SPDR S&P 500 ETF TRUST ETF 78462F103 596989 1256 SH SOLE 0 0 0 1256 ISHARES TIPS BOND ETF ETF 464287176 238874 2222 SH SOLE 0 0 0 2222 ISHARES COHEN & STEERS REIT ETF ETF 464287564 241968 4120 SH SOLE 0 0 0 4120 FEDEX CORP COM Stock 31428X106 233744 924 SH SOLE 0 0 0 924 HOME DEPOT INC COM Stock 437076102 868137 2505 SH SOLE 0 0 0 2505 SPDR GOLD SHARES ETF 78463V107 1014539 5307 SH SOLE 0 0 0 5307 SCHWAB U.S. SMALL-CAP ETF ETF 808524607 1081809 22900 SH SOLE 0 0 0 22900 SCHWAB U.S. BROAD MARKET ETF ETF 808524102 1443634 25932 SH SOLE 0 0 0 25932 SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805 9851647 266549 SH SOLE 0 0 0 266548 SCHWAB U.S. LARGE-CAP ETF ETF 808524201 6252515 110860 SH SOLE 0 0 0 110860 CONSUMER STAPLES SELECT SECTOR SPDR FUND ETF 81369Y308 872540 12114 SH SOLE 0 0 0 12113 JPMORGAN ULTRA-SHORT INCOME ETF ETF 46641Q837 6843335 136240 SH SOLE 0 0 0 136240 SPDR PORTFOLIO SHORT TERM CORPORATE BOND ETF ETF 78464A474 609985 20483 SH SOLE 0 0 0 20483 ISHARES CORE S&P SMALL CAP ETF ETF 464287804 682415 6304 SH SOLE 0 0 0 6304 BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702 2622521 7353 SH SOLE 0 0 0 7353 SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706 399674 16122 SH SOLE 0 0 0 16122 ADOBE INC COM Stock 00724F101 442081 741 SH SOLE 0 0 0 741 VANGUARD SHORT-TERM CORPORATE BOND ETF ETF 92206C409 7343258 94911 SH SOLE 0 0 0 94910 ALPHABET INC CAP STK CL A Stock 02079K305 2927204 20955 SH SOLE 0 0 0 20955 INTUIT COM Stock 461202103 354392 567 SH SOLE 0 0 0 567 SCHWAB INTERNATIONAL SMALL-CAP EQUITY ETF ETF 808524888 228424 6547 SH SOLE 0 0 0 6546 MICROSOFT CORP COM Stock 594918104 5587445 14859 SH SOLE 0 0 0 14858 SPDR GOLD MINISHARES TRUST ETF 98149E303 1322743 32333 SH SOLE 0 0 0 32333 BOEING CO COM Stock 097023105 493461 1893 SH SOLE 0 0 0 1893 VANGUARD SMALL-CAP ETF ETF 922908751 3139170 14715 SH SOLE 0 0 0 14715 VANGUARD MID-CAP ETF ETF 922908629 3512727 15099 SH SOLE 0 0 0 15099 VANGUARD LARGE-CAP ETF ETF 922908637 4387844 20114 SH SOLE 0 0 0 20113 TESLA INC COM Stock 88160R101 7269034 29254 SH SOLE 0 0 0 29254 JPMORGAN ULTRA-SHORT MUNICIPAL INCOME ETF ETF 46641Q654 792407 15617 SH SOLE 0 0 0 15617 VANGUARD HEALTH CARE ETF ETF 92204A504 874252 3487 SH SOLE 0 0 0 3487 SCHWAB SHORT-TERM US TREASURY ETF ETF 808524862 271756 5609 SH SOLE 0 0 0 5609 SCHWAB U.S. LARGE-CAP VALUE ETF ETF 808524409 1173684 16743 SH SOLE 0 0 0 16743 SCHWAB US TIPS ETF ETF 808524870 595132 11401 SH SOLE 0 0 0 11401 VANGUARD S&P 500 ETF ETF 922908363 5172214 11841 SH SOLE 0 0 0 11841 VANGUARD GLOBAL EX-U.S. REAL ESTATE ETF ETF 922042676 2745564 64465 SH SOLE 0 0 0 64465 SCHWAB U.S. REIT ETF ETF 808524847 962414 46471 SH SOLE 0 0 0 46471 AVANTIS U.S. SMALL CAP VALUE ETF ETF 025072877 1142525 12723 SH SOLE 0 0 0 12723 SCHWAB U.S. MID-CAP ETF ETF 808524508 7565969 100451 SH SOLE 0 0 0 100451 AVANTIS INTERNATIONAL SMALL CAP VALUE ETF ETF 025072802 1356658 21710 SH SOLE 0 0 0 21710 VANGUARD TOTAL INTERNATIONAL STOCK ETF ETF 921909768 3918676 67610 SH SOLE 0 0 0 67610 ISHARES RUSSELL 2000 ETF ETF 464287655 1032051 5142 SH SOLE 0 0 0 5142 INVESCO S&P 500 LOW VOLATILITY ETF ETF 46138E354 420073 6704 SH SOLE 0 0 0 6704 ISHARES IBONDS DEC 2030 TERM CORPORATE ETF ETF 46436E726 338060 15622 SH SOLE 0 0 0 15622 VANGUARD SMALL CAP VALUE ETF ETF 922908611 1706799 9484 SH SOLE 0 0 0 9483 REGENERON PHARMACEUTICALS COM Stock 75886F107 337263 384 SH SOLE 0 0 0 384 DIMENSIONAL US CORE EQUITY MARKET ETF ETF 25434V104 239367 7199 SH SOLE 0 0 0 7199 DIMENSIONAL INTERNATIONAL CORE EQUITY MARKET ETF ETF 25434V203 460875 16092 SH SOLE 0 0 0 16092 IMMUNOPRECISE ANTIBODIES LTD COM NEW Stock 45257F200 45842 26808 SH SOLE 0 0 0 26808 DIMENSIONAL EMERGING CORE EQUITY MARKET ETF ETF 25434V302 1571393 65176 SH SOLE 0 0 0 65176 SCHWAB US AGGREGATE BOND ETF ETF 808524839 947759 20329 SH SOLE 0 0 0 20329 SCHWAB US DIVIDEND EQUITY ETF ETF 808524797 2719127 35717 SH SOLE 0 0 0 35716 INVESCO BULLETSHARES 2030 MUNICIPAL BOND ETF ETF 46138J445 210322 9381 SH SOLE 0 0 0 9381 VANGUARD ULTRA-SHORT BOND ETF ETF 92203C303 874246 17683 SH SOLE 0 0 0 17683 VISA INC COM CL A Stock 92826C839 619289 2379 SH SOLE 0 0 0 2378 DIMENSIONAL U.S. CORE EQUITY 2 ETF ETF 25434V708 571464 19551 SH SOLE 0 0 0 19550 DIMENSIONAL U.S. TARGETED VALUE ETF ETF 25434V609 7473205 142809 SH SOLE 0 0 0 142809 DIMENSIONAL U.S. EQUITY ETF ETF 25434V401 356798 6884 SH SOLE 0 0 0 6884 ISHARES IBONDS DEC 2031 TERM CORPORATE ETF ETF 46436E486 543925 26188 SH SOLE 0 0 0 26188 DIMENSIONAL WORLD EX U.S. CORE EQUITY 2 ETF ETF 25434V880 2318678 94950 SH SOLE 0 0 0 94949 AVANTIS U.S. LARGE CAP VALUE ETF ETF 025072349 311615 5395 SH SOLE 0 0 0 5395 INVESCO BULLETSHARES 2031 MUNICIPAL BOND ETF ETF 46138J411 426395 19704 SH SOLE 0 0 0 19704 VANGUARD VALUE ETF ETF 922908744 1030530 6893 SH SOLE 0 0 0 6893 VANGUARD GROWTH ETF ETF 922908736 3487229 11217 SH SOLE 0 0 0 11217 SPDR BLOOMBERG SHORT TERM HIGH YIELD BOND ETF ETF 78468R408 926535 36855 SH SOLE 0 0 0 36855 DIMENSIONAL SHORT-DURATION FIXED INCOME ETF ETF 25434V864 3565897 75854 SH SOLE 0 0 0 75854 META PLATFORMS INC CL A Stock 30303M102 2147475 6067 SH SOLE 0 0 0 6067 DIMENSIONAL US REAL ESTATE ETF ETF 25434V823 3619753 159180 SH SOLE 0 0 0 159180 DIMENSIONAL US SMALL CAP VALUE ETF ETF 25434V815 1601484 54996 SH SOLE 0 0 0 54996 DIMENSIONAL INTERNATIONAL SMALL CAP VALUE ETF ETF 25434V781 1835299 71177 SH SOLE 0 0 0 71177 DIMENSIONAL INTERNATIONAL CORE EQUITY 2 ETF ETF 25434V799 586220 22962 SH SOLE 0 0 0 22962 JPMORGAN INFLATION MANAGED BOND ETF ETF 46654Q104 237241 5100 SH SOLE 0 0 0 5100 DIMENSIONAL US MARKETWIDE VALUE ETF ETF 25434V724 4837607 129973 SH SOLE 0 0 0 129973 ISHARES IBONDS DEC 2032 TERM CORPORATE ETF ETF 46436E312 592224 23473 SH SOLE 0 0 0 23473 WP CAREY INC COM REIT 92936U109 2215191 34180 SH SOLE 0 0 0 34179 BROADCOM INC COM Stock 11135F101 1161553 1041 SH SOLE 0 0 0 1040 VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF ETF 922020805 6136563 129218 SH SOLE 0 0 0 129218 ISHARES CORE MSCI EAFE ETF ETF 46432F842 471127 6697 SH SOLE 0 0 0 6696 DIMENSIONAL US LARGE CAP VALUE ETF ETF 25434V666 974584 36029 SH SOLE 0 0 0 36029 WISDOMTREE U.S. TOTAL DIVIDEND FUND ETF 97717W109 414248 6336 SH SOLE 0 0 0 6336 ACCENTURE PLC IRELAND SHS CLASS A Stock G1151C101 407407 1161 SH SOLE 0 0 0 1161 NVIDIA CORPORATION COM Stock 67066G104 1431681 2891 SH SOLE 0 0 0 2891 ISHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF ETF 464288646 2259459 44066 SH SOLE 0 0 0 44065 ABBVIE INC COM Stock 00287Y109 200419 1293 SH SOLE 0 0 0 1293 PGIM GLOBAL HIGH YIELD FD FORM COM CEF 69346J106 292679 25764 SH SOLE 0 0 0 25764 VANGUARD FTSE ALL-WORLD EX-US INDEX FUND ETF 922042775 1406776 25058 SH SOLE 0 0 0 25058 TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS ADR 874039100 359320 3455 SH SOLE 0 0 0 3455 BLACKSTONE INC COM Stock 09260D107 587438 4487 SH SOLE 0 0 0 4487 ISHARES MSCI GLOBAL ENERGY PRODUCERS ETF ETF 464286343 347050 14400 SH SOLE 0 0 0 14399 QUALCOMM INC COM Stock 747525103 1315974 9099 SH SOLE 0 0 0 9098 CISCO SYS INC COM Stock 17275R102 942068 18647 SH SOLE 0 0 0 18647 ADVANCED MICRO DEVICES INC COM Stock 007903107 1269790 8614 SH SOLE 0 0 0 8614 ENERGY SELECT SECTOR SPDR FUND ETF 81369Y506 268180 3199 SH SOLE 0 0 0 3198 ISHARES U.S. TECHNOLOGY ETF ETF 464287721 216040 1760 SH SOLE 0 0 0 1760 ISHARES S&P 500 VALUE ETF ETF 464287408 468286 2693 SH SOLE 0 0 0 2693 LULULEMON ATHLETICA INC COM Stock 550021109 1023603 2002 SH SOLE 0 0 0 2002 ISHARES S&P 500 GROWTH ETF ETF 464287309 384662 5122 SH SOLE 0 0 0 5122 ISHARES CORE S&P 500 ETF ETF 464287200 26346304 55160 SH SOLE 0 0 0 55160 ISHARES IBONDS DEC 2026 TERM CORPORATE ETF ETF 46435GAA0 204536 8558 SH SOLE 0 0 0 8558 DIMENSIONAL EMERGING MARKETS CORE EQUITY 2 ETF ETF 25434V732 4259674 170660 SH SOLE 0 0 0 170660 WELLS FARGO CO NEW COM Stock 949746101 208051 4227 SH SOLE 0 0 0 4226 SALESFORCE INC COM Stock 79466L302 312610 1188 SH SOLE 0 0 0 1188 LOCKHEED MARTIN CORP COM Stock 539830109 882606 1947 SH SOLE 0 0 0 1947 JPMORGAN CHASE & CO COM Stock 46625H100 4297133 25262 SH SOLE 0 0 0 25262 CHEVRON CORP NEW COM Stock 166764100 1738917 11658 SH SOLE 0 0 0 11658 VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 4523532 94437 SH SOLE 0 0 0 94437 BANK AMERICA CORP COM Stock 060505104 826665 24552 SH SOLE 0 0 0 24551 SPDR PORTFOLIO S&P 1500 COMPOSITE STOCK MARKET ETF ETF 78464A805 281278 4812 SH SOLE 0 0 0 4812 INTERNATIONAL BUSINESS MACHS COM Stock 459200101 298309 1824 SH SOLE 0 0 0 1823 VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858 901303 21930 SH SOLE 0 0 0 21929 VANGUARD HIGH DIVIDEND YIELD INDEX ETF ETF 921946406 619503 5550 SH SOLE 0 0 0 5549 PFIZER INC COM Stock 717081103 494664 17182 SH SOLE 0 0 0 17181 ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF ETF 464287242 552163 4990 SH SOLE 0 0 0 4989 CATERPILLAR INC COM Stock 149123101 481779 1629 SH SOLE 0 0 0 1629 ALPHABET INC CAP STK CL C Stock 02079K107 510026 3619 SH SOLE 0 0 0 3619 AMGEN INC COM Stock 031162100 1028307 3570 SH SOLE 0 0 0 3570 VANGUARD DIVIDEND APPRECIATION ETF ETF 921908844 1002835 5885 SH SOLE 0 0 0 5885 ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226 510145 5140 SH SOLE 0 0 0 5140 ISHARES CORE TOTAL USD BOND MARKET ETF ETF 46434V613 399012 8661 SH SOLE 0 0 0 8661 VANGUARD SHORT-TERM BOND ETF ETF 921937827 1043591 13550 SH SOLE 0 0 0 13549 LAM RESEARCH CORP COM Stock 512807108 2066055 2638 SH SOLE 0 0 0 2637 BRISTOL-MYERS SQUIBB CO COM Stock 110122108 232640 4534 SH SOLE 0 0 0 4534 EXXON MOBIL CORP COM Stock 30231G102 394506 3946 SH SOLE 0 0 0 3945 SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF ETF 78463X889 9793554 287961 SH SOLE 0 0 0 287961 BLACKROCK INC COM Stock 09247X101 312421 385 SH SOLE 0 0 0 384 ISHARES CORE S&P MID-CAP ETF ETF 464287507 316683 1143 SH SOLE 0 0 0 1142 INVESCO OPTIMUM YIELD DIVERSIFIED COMMODITY STRATEGY NO K-1 ETF ETF 46090F100 142163 10689 SH SOLE 0 0 0 10688 ISHARES MSCI EAFE ETF ETF 464287465 368085 4885 SH SOLE 0 0 0 4885 APPLE INC COM Stock 037833100 18207590 94570 SH SOLE 0 0 0 94570 DISNEY WALT CO COM Stock 254687106 358904 3975 SH SOLE 0 0 0 3975