Chief Compliance Officer

0001727917-22-000004.txt : 20220429 0001727917-22-000004.hdr.sgml : 20220429 20220429135444 ACCESSION NUMBER: 0001727917-22-000004 CONFORMED SUBMISSION TYPE: 13F-HR PUBLIC DOCUMENT COUNT: 2 CONFORMED PERIOD OF REPORT: 20220331 FILED AS OF DATE: 20220429 DATE AS OF CHANGE: 20220429 EFFECTIVENESS DATE: 20220429 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: 22873379 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 03-31-2022 03-31-2022 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 04-29-2022 0 125 236057 false INFORMATION TABLE 2 gca13f03312022.xml AMAZON COM INC COM Stock 023135106 916 281 SH SOLE 0 0 0 281 INVESCO QQQ TRUST ETF 46090E103 228 628 SH SOLE 0 0 0 628 STARBUCKS CORP COM Stock 855244109 245 2688 SH SOLE 0 0 0 2687 JOHNSON & JOHNSON COM Stock 478160104 1389 7839 SH SOLE 0 0 0 7838 JOHNSON & JOHNSON COM Stock 478160104 71 400 SH Call SOLE 0 0 0 400 VANGUARD TOTAL STOCK MARKET INDEX FUND ETF 922908769 874 3838 SH SOLE 0 0 0 3838 VANGUARD INTERNATIONAL HIGH DIVIDEND YIELD ETF ETF 921946794 218 3218 SH SOLE 0 0 0 3218 COSTCO WHSL CORP NEW COM Stock 22160K105 305 530 SH SOLE 0 0 0 530 PROCTER AND GAMBLE CO COM Stock 742718109 326 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 2032 18752 SH SOLE 0 0 0 18752 INTEL CORP COM Stock 458140100 736 14852 SH SOLE 0 0 0 14852 NETFLIX INC COM Stock 64110L106 304 812 SH SOLE 0 0 0 812 SPDR DOW JONES GLOBAL REAL ESTATE ETF ETF 78463X749 1126 20840 SH SOLE 0 0 0 20840 SPDR S&P 500 ETF ETF 78462F103 601 1331 SH SOLE 0 0 0 1331 ISHARES TIPS BOND ETF ETF 464287176 337 2706 SH SOLE 0 0 0 2706 ISHARES COHEN & STEERS REIT ETF ETF 464287564 440 6199 SH SOLE 0 0 0 6199 ISHARES S&P/CITIGROUP INTERNATIONAL TREASURY BOND FUND EX-US ETF 464288117 219 4716 SH SOLE 0 0 0 4716 HOME DEPOT INC COM Stock 437076102 713 2383 SH SOLE 0 0 0 2383 INVESCO CALIFORNIA AMT-FREE MUNICIPAL BOND ETF ETF 46138E206 212 8205 SH SOLE 0 0 0 8205 SPDR GOLD SHARES ETF 78463V107 863 4776 SH SOLE 0 0 0 4776 SCHWAB U.S. SMALL-CAP ETF ETF 808524607 930 19643 SH SOLE 0 0 0 19642 SCHWAB U.S. BROAD MARKET ETF ETF 808524102 1487 27855 SH SOLE 0 0 0 27855 SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805 9516 259150 SH SOLE 0 0 0 259150 SCHWAB U.S. LARGE-CAP ETF ETF 808524201 5088 94481 SH SOLE 0 0 0 94480 CONSUMER STAPLES SELECT SECTOR SPDR FUND ETF 81369Y308 940 12392 SH SOLE 0 0 0 12391 JPMORGAN ULTRA-SHORT INCOME ETF ETF 46641Q837 10999 218797 SH SOLE 0 0 0 218797 SPDR PORTFOLIO SHORT TERM CORPORATE BOND ETF ETF 78464A474 1130 37501 SH SOLE 0 0 0 37501 ISHARES S&P SMALL-CAP FUND ETF 464287804 740 6861 SH SOLE 0 0 0 6861 BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702 2107 5969 SH SOLE 0 0 0 5969 SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706 572 20612 SH SOLE 0 0 0 20612 VANGUARD SHORT-TERM CORPORATE BOND INDEX FUND ETF 92206C409 6484 83032 SH SOLE 0 0 0 83032 ALPHABET INC CAP STK CL A Stock 02079K305 1802 648 SH SOLE 0 0 0 648 INTUIT COM Stock 461202103 209 435 SH SOLE 0 0 0 435 SCHWAB INTERNATIONAL SMALL-CAP EQUITY ETF ETF 808524888 359 9464 SH SOLE 0 0 0 9463 MICROSOFT CORP COM Stock 594918104 3643 11815 SH SOLE 0 0 0 11814 MICROSOFT CORP COM Stock 594918104 31 100 SH Call SOLE 0 0 0 100 SPDR GOLD MINISHARES TRUST ETF 98149E303 1008 26202 SH SOLE 0 0 0 26202 BOEING CO COM Stock 097023105 326 1702 SH SOLE 0 0 0 1702 VANGUARD SMALL-CAP INDEX FUND ETF 922908751 3004 14133 SH SOLE 0 0 0 14132 VANGUARD MID-CAP INDEX FUND ETF 922908629 3742 15735 SH SOLE 0 0 0 15734 VANGUARD LARGE-CAP INDEX FUND ETF 922908637 3781 18137 SH SOLE 0 0 0 18136 TESLA INC COM Stock 88160R101 10315 9572 SH SOLE 0 0 0 9572 JPMORGAN ULTRA-SHORT MUNICIPAL INCOME ETF ETF 46641Q654 1696 33495 SH SOLE 0 0 0 33495 VANGUARD HEALTH CARE INDEX FUND ETF 92204A504 737 2897 SH SOLE 0 0 0 2896 FINANCIAL SELECT SECTOR SPDR FUND ETF 81369Y605 209 5451 SH SOLE 0 0 0 5451 SCHWAB U.S. LARGE-CAP VALUE ETF ETF 808524409 1363 19098 SH SOLE 0 0 0 19098 SCHWAB U.S. TIPS ETF ETF 808524870 731 12034 SH SOLE 0 0 0 12034 VANGUARD S&P 500 ETF ETF 922908363 4877 11747 SH SOLE 0 0 0 11747 VANGUARD GLOBAL EX-U.S. REAL ESTATE INDEX ETF 922042676 2692 51824 SH SOLE 0 0 0 51824 ISHARES 0-5 YEAR TIPS BOND ETF ETF 46429B747 936 8922 SH SOLE 0 0 0 8921 SCHWAB U.S. REIT ETF ETF 808524847 3234 129924 SH SOLE 0 0 0 129924 AVANTIS U.S. SMALL CAP VALUE ETF ETF 025072877 2104 26352 SH SOLE 0 0 0 26352 SCHWAB U.S. MID-CAP ETF ETF 808524508 5768 76031 SH SOLE 0 0 0 76031 AVANTIS INTERNATIONAL SMALL CAP VALUE ETF ETF 025072802 1431 22868 SH SOLE 0 0 0 22868 AVANTIS EMERGING MARKETS EQUITY ETF ETF 025072604 260 4378 SH SOLE 0 0 0 4378 VANGUARD TOTAL INTERNATIONAL STOCK ETF ETF 921909768 3613 60474 SH SOLE 0 0 0 60474 ISHARES RUSSELL 2000 ETF ETF 464287655 298 1454 SH SOLE 0 0 0 1454 INVESCO S&P 500 LOW VOLATILITY ETF ETF 46138E354 518 7715 SH SOLE 0 0 0 7715 ISHARES FLOATING RATE BOND ETF ETF 46429B655 452 8949 SH SOLE 0 0 0 8948 VANGUARD SMALL-CAP VALUE INDEX FUND ETF 922908611 1865 10602 SH SOLE 0 0 0 10602 DIMENSIONAL INTERNATIONAL CORE EQUITY MARKET ETF ETF 25434V203 769 27327 SH SOLE 0 0 0 27327 IMMUNOPRECISE ANTIBODIES LTD COM NEW Stock 45257F200 103 20000 SH SOLE 0 0 0 20000 DIMENSIONAL EMERGING CORE EQUITY MARKET ETF ETF 25434V302 1704 64957 SH SOLE 0 0 0 64957 SCHWAB US AGGREGATE BOND ETF ETF 808524839 1934 38236 SH SOLE 0 0 0 38235 SPDR NUVEEN BLOOMBERG HIGH YIELD MUNICIPAL BOND ETF ETF 78464A284 542 9820 SH SOLE 0 0 0 9820 SCHWAB US DIVIDEND EQUITY ETF ETF 808524797 1298 16457 SH SOLE 0 0 0 16457 VANGUARD ULTRA-SHORT BOND ETF ETF 92203C303 2711 54884 SH SOLE 0 0 0 54884 COINBASE GLOBAL INC COM CL A Stock 19260Q107 405 2133 SH SOLE 0 0 0 2133 VISA INC COM CL A Stock 92826C839 233 1049 SH SOLE 0 0 0 1049 DIMENSIONAL U.S. CORE EQUITY 2 ETF ETF 25434V708 280 10168 SH SOLE 0 0 0 10167 DIMENSIONAL U.S. TARGETED VALUE ETF ETF 25434V609 4598 98712 SH SOLE 0 0 0 98712 DIMENSIONAL WORLD EX U.S. CORE EQUITY 2 ETF ETF 25434V880 1252 50191 SH SOLE 0 0 0 50191 AVANTIS U.S. LARGE CAP VALUE ETF ETF 025072349 249 4603 SH SOLE 0 0 0 4603 VANGUARD VALUE INDEX FUND ETF 922908744 1640 11098 SH SOLE 0 0 0 11098 VANGUARD GROWTH INDEX FUND ETF 922908736 3232 11237 SH SOLE 0 0 0 11237 SPDR BLOOMBERG SHORT TERM HIGH YIELD BOND ETF ETF 78468R408 799 30435 SH SOLE 0 0 0 30435 DIMENSIONAL SHORT-DURATION FIXED INCOME ETF ETF 25434V864 1759 36730 SH SOLE 0 0 0 36730 ISHARES MICRO-CAP ETF ETF 464288869 206 1597 SH SOLE 0 0 0 1597 META PLATFORMS INC CL A Stock 30303M102 1732 7789 SH SOLE 0 0 0 7789 DIMENSIONAL US REAL ESTATE ETF ETF 25434V823 621 22921 SH SOLE 0 0 0 22921 WP CAREY INC COM REIT 92936U109 2464 30479 SH SOLE 0 0 0 30478 BROADCOM INC COM Stock 11135F101 593 942 SH SOLE 0 0 0 941 VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF ETF 922020805 11940 233162 SH SOLE 0 0 0 233162 ISHARES CORE MSCI EAFE ETF ETF 46432F842 467 6715 SH SOLE 0 0 0 6714 WISDOMTREE U.S. TOTAL DIVIDEND FUND ETF 97717W109 496 7686 SH SOLE 0 0 0 7686 NVIDIA CORPORATION COM Stock 67066G104 388 1423 SH SOLE 0 0 0 1423 ISHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF ETF 464288646 2906 56188 SH SOLE 0 0 0 56188 PGIM GLOBAL HIGH YIELD FD FORM COM CEF 69346J106 344 25764 SH SOLE 0 0 0 25764 VANGUARD FTSE ALL-WORLD EX US INDEX FUND ETF 922042775 1606 27891 SH SOLE 0 0 0 27891 TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS ADR 874039100 215 2066 SH SOLE 0 0 0 2066 PALATIN TECHNOLOGIES INC COM PAR $ .01 Stock 696077403 5 10760 SH SOLE 0 0 0 10760 ISHARES MSCI GLOBAL ENERGY PRODUCERS ETF ETF 464286343 449 19768 SH SOLE 0 0 0 19768 QUALCOMM INC COM Stock 747525103 1430 9356 SH SOLE 0 0 0 9355 ISHARES S&P 500 VALUE ETF ETF 464287408 422 2713 SH SOLE 0 0 0 2713 LULULEMON ATHLETICA INC COM Stock 550021109 679 1859 SH SOLE 0 0 0 1859 ISHARES S&P 500 GROWTH ETF ETF 464287309 247 3228 SH SOLE 0 0 0 3228 ISHARES CORE S&P 500 ETF ETF 464287200 24147 53224 SH SOLE 0 0 0 53224 LOCKHEED MARTIN CORP COM Stock 539830109 735 1665 SH SOLE 0 0 0 1665 JPMORGAN CHASE & CO COM Stock 46625H100 3217 23599 SH SOLE 0 0 0 23598 CHEVRON CORP NEW COM Stock 166764100 1393 8552 SH SOLE 0 0 0 8552 VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 4031 83929 SH SOLE 0 0 0 83929 BK OF AMERICA CORP COM Stock 060505104 1051 25486 SH SOLE 0 0 0 25485 SPDR PORTFOLIO S&P 1500 COMPOSITE STOCK MARKET ETF ETF 78464A805 288 5174 SH SOLE 0 0 0 5173 INTERNATIONAL BUSINESS MACHS COM Stock 459200101 228 1754 SH SOLE 0 0 0 1754 VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858 1275 27643 SH SOLE 0 0 0 27642 TARGET CORP COM Stock 87612E106 204 962 SH SOLE 0 0 0 962 VANGUARD HIGH DIVIDEND YIELD ETF ETF 921946406 363 3234 SH SOLE 0 0 0 3234 PFIZER INC COM Stock 717081103 1104 21318 SH SOLE 0 0 0 21317 ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF ETF 464287242 883 7299 SH SOLE 0 0 0 7298 CATERPILLAR INC COM Stock 149123101 439 1971 SH SOLE 0 0 0 1971 ALPHABET INC CAP STK CL C Stock 02079K107 573 205 SH SOLE 0 0 0 205 AMGEN INC COM Stock 031162100 262 1082 SH SOLE 0 0 0 1081 VANGUARD DIVIDEND APPRECIATION INDEX FUND ETF 921908844 920 5671 SH SOLE 0 0 0 5671 ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226 655 6118 SH SOLE 0 0 0 6118 ISHARES CORE TOTAL USD BOND MARKET ETF ETF 46434V613 677 13632 SH SOLE 0 0 0 13632 VANGUARD SHORT-TERM BOND INDEX FUND ETF 921937827 1618 20770 SH SOLE 0 0 0 20770 LAM RESEARCH CORP COM Stock 512807108 1323 2461 SH SOLE 0 0 0 2460 EXXON MOBIL CORP COM Stock 30231G102 307 3713 SH SOLE 0 0 0 3712 ARK INNOVATION ETF ETF 00214Q104 630 9511 SH SOLE 0 0 0 9511 SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF ETF 78463X889 6488 189252 SH SOLE 0 0 0 189252 ISHARES S&P MIDCAP FUND ETF 464287507 329 1227 SH SOLE 0 0 0 1226 ISHARES MSCI EAFE ETF ETF 464287465 414 5630 SH SOLE 0 0 0 5630 APPLE INC COM Stock 037833100 17747 101640 SH SOLE 0 0 0 101640 DISNEY WALT CO COM Stock 254687106 659 4808 SH SOLE 0 0 0 4807