Chief Compliance Officer

0001727917-23-000002.txt : 20230206 0001727917-23-000002.hdr.sgml : 20230206 20230203173146 ACCESSION NUMBER: 0001727917-23-000002 CONFORMED SUBMISSION TYPE: 13F-HR PUBLIC DOCUMENT COUNT: 2 CONFORMED PERIOD OF REPORT: 20221231 FILED AS OF DATE: 20230206 DATE AS OF CHANGE: 20230203 EFFECTIVENESS DATE: 20230206 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: 23587556 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 12-31-2022 12-31-2022 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 02-03-2023 0 134 220077326 false INFORMATION TABLE 2 gca13f12312022.xml AMAZON COM INC COM Stock 023135106 828744 9866 SH SOLE 0 0 0 9866 INVESCO QQQ TRUST ETF 46090E103 259452 974 SH SOLE 0 0 0 974 STARBUCKS CORP COM Stock 855244109 306480 3090 SH SOLE 0 0 0 3089 JOHNSON & JOHNSON COM Stock 478160104 1530846 8666 SH SOLE 0 0 0 8665 VANGUARD TOTAL STOCK MARKET ETF ETF 922908769 833206 4358 SH SOLE 0 0 0 4358 COSTCO WHSL CORP NEW COM Stock 22160K105 245778 538 SH SOLE 0 0 0 538 YUM BRANDS INC COM Stock 988498101 297786 2325 SH SOLE 0 0 0 2325 PROCTER AND GAMBLE CO COM Stock 742718109 255518 1686 SH SOLE 0 0 0 1685 VANGUARD REAL ESTATE ETF ETF 922908553 1432537 17368 SH SOLE 0 0 0 17368 INTEL CORP COM Stock 458140100 450386 17041 SH SOLE 0 0 0 17040 NETFLIX INC COM Stock 64110L106 249468 846 SH SOLE 0 0 0 846 MERCK & CO INC COM Stock 58933Y105 288692 2602 SH SOLE 0 0 0 2602 SPDR S&P 500 ETF TRUST ETF 78462F103 519340 1358 SH SOLE 0 0 0 1358 YUM CHINA HLDGS INC COM Stock 98850P109 301941 5525 SH SOLE 0 0 0 5525 NUVEEN CALIFORNIA AMT QLT MUN COM CEF 670651108 176554 14354 SH SOLE 0 0 0 14354 ISHARES TIPS BOND ETF ETF 464287176 282372 2653 SH SOLE 0 0 0 2652 ISHARES COHEN & STEERS REIT ETF ETF 464287564 322953 5889 SH SOLE 0 0 0 5889 HOME DEPOT INC COM Stock 437076102 775256 2454 SH SOLE 0 0 0 2454 SPDR GOLD SHARES ETF 78463V107 813424 4795 SH SOLE 0 0 0 4795 SCHWAB U.S. SMALL-CAP ETF ETF 808524607 986830 24360 SH SOLE 0 0 0 24360 SCHWAB U.S. BROAD MARKET ETF ETF 808524102 1114201 24865 SH SOLE 0 0 0 24865 SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805 8969821 278479 SH SOLE 0 0 0 278479 SCHWAB U.S. LARGE-CAP ETF ETF 808524201 5627921 124649 SH SOLE 0 0 0 124649 CONSUMER STAPLES SELECT SECTOR SPDR FUND ETF 81369Y308 906115 12154 SH SOLE 0 0 0 12154 JPMORGAN ULTRA-SHORT INCOME ETF ETF 46641Q837 7518548 149981 SH SOLE 0 0 0 149981 SPDR PORTFOLIO SHORT TERM CORPORATE BOND ETF ETF 78464A474 896678 30520 SH SOLE 0 0 0 30520 ISHARES CORE S&P SMALL CAP ETF ETF 464287804 631979 6678 SH SOLE 0 0 0 6677 BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702 1876259 6074 SH SOLE 0 0 0 6074 SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706 524450 22157 SH SOLE 0 0 0 22156 ADOBE SYSTEMS INCORPORATED COM Stock 00724F101 247013 734 SH SOLE 0 0 0 734 VANGUARD SHORT-TERM CORPORATE BOND ETF ETF 92206C409 6653004 88483 SH SOLE 0 0 0 88482 ALPHABET INC CAP STK CL A Stock 02079K305 1509351 17107 SH SOLE 0 0 0 17107 INTUIT COM Stock 461202103 217963 560 SH SOLE 0 0 0 560 SCHWAB INTERNATIONAL SMALL-CAP EQUITY ETF ETF 808524888 259766 8254 SH SOLE 0 0 0 8254 MICROSOFT CORP COM Stock 594918104 2901182 12097 SH SOLE 0 0 0 12097 SPDR GOLD MINISHARES TRUST ETF 98149E303 1158659 32016 SH SOLE 0 0 0 32016 BOEING CO COM Stock 097023105 318903 1674 SH SOLE 0 0 0 1674 VANGUARD SMALL-CAP ETF ETF 922908751 2734430 14898 SH SOLE 0 0 0 14898 VANGUARD MID-CAP ETF ETF 922908629 3115182 15285 SH SOLE 0 0 0 15284 VANGUARD LARGE-CAP ETF ETF 922908637 3430326 19692 SH SOLE 0 0 0 19691 TESLA INC COM Stock 88160R101 3509521 28491 SH SOLE 0 0 0 28491 JPMORGAN ULTRA-SHORT MUNICIPAL INCOME ETF ETF 46641Q654 1811326 35843 SH SOLE 0 0 0 35843 VANGUARD HEALTH CARE ETF ETF 92204A504 851975 3435 SH SOLE 0 0 0 3434 SCHWAB U.S. LARGE-CAP VALUE ETF ETF 808524409 1142806 17310 SH SOLE 0 0 0 17310 SCHWAB US TIPS ETF ETF 808524870 608688 11753 SH SOLE 0 0 0 11753 VANGUARD S&P 500 ETF ETF 922908363 6022904 17143 SH SOLE 0 0 0 17142 VANGUARD GLOBAL EX-U.S. REAL ESTATE ETF ETF 922042676 2501153 60502 SH SOLE 0 0 0 60502 ISHARES 0-5 YEAR TIPS BOND ETF ETF 46429B747 260241 2684 SH SOLE 0 0 0 2684 SCHWAB U.S. REIT ETF ETF 808524847 1161451 60210 SH SOLE 0 0 0 60210 AVANTIS U.S. SMALL CAP VALUE ETF ETF 025072877 966693 12974 SH SOLE 0 0 0 12974 SCHWAB U.S. MID-CAP ETF ETF 808524508 6139653 93578 SH SOLE 0 0 0 93578 AVANTIS INTERNATIONAL SMALL CAP VALUE ETF ETF 025072802 1269009 22927 SH SOLE 0 0 0 22927 VANGUARD TOTAL INTERNATIONAL STOCK ETF ETF 921909768 3157454 61049 SH SOLE 0 0 0 61049 ISHARES RUSSELL 2000 ETF ETF 464287655 896559 5142 SH SOLE 0 0 0 5142 INVESCO S&P 500 LOW VOLATILITY ETF ETF 46138E354 483595 7568 SH SOLE 0 0 0 7568 VANGUARD SMALL CAP VALUE ETF ETF 922908611 1552687 9778 SH SOLE 0 0 0 9777 INVESCO BULLETSHARES 2030 CORPORATE BOND ETF ETF 46138J460 199578 12500 SH SOLE 0 0 0 12500 REGENERON PHARMACEUTICALS COM Stock 75886F107 277052 384 SH SOLE 0 0 0 384 DIMENSIONAL US CORE EQUITY MARKET ETF ETF 25434V104 245044 9069 SH SOLE 0 0 0 9069 DIMENSIONAL INTERNATIONAL CORE EQUITY MARKET ETF ETF 25434V203 402944 16092 SH SOLE 0 0 0 16092 IMMUNOPRECISE ANTIBODIES LTD COM NEW Stock 45257F200 139670 26808 SH SOLE 0 0 0 26808 DIMENSIONAL EMERGING CORE EQUITY MARKET ETF ETF 25434V302 1501380 68400 SH SOLE 0 0 0 68400 SCHWAB US AGGREGATE BOND ETF ETF 808524839 1012788 22186 SH SOLE 0 0 0 22185 SPDR NUVEEN BLOOMBERG HIGH YIELD MUNICIPAL BOND ETF ETF 78464A284 386569 7894 SH SOLE 0 0 0 7894 SCHWAB US DIVIDEND EQUITY ETF ETF 808524797 1882386 24919 SH SOLE 0 0 0 24919 INVESCO BULLETSHARES 2030 MUNICIPAL BOND ETF ETF 46138J445 203328 9381 SH SOLE 0 0 0 9381 JPMORGAN SHORT DURATION CORE PLUS ETF ETF 46641Q274 281512 6160 SH SOLE 0 0 0 6160 VANGUARD ULTRA-SHORT BOND ETF ETF 92203C303 1645662 33585 SH SOLE 0 0 0 33584 VISA INC COM CL A Stock 92826C839 486036 2339 SH SOLE 0 0 0 2339 DIMENSIONAL US CORE EQUITY 2 ETF ETF 25434V708 259304 10680 SH SOLE 0 0 0 10679 DIMENSIONAL U.S. TARGETED VALUE ETF ETF 25434V609 6387129 145327 SH SOLE 0 0 0 145327 DIMENSIONAL U.S. EQUITY ETF ETF 25434V401 478473 11499 SH SOLE 0 0 0 11499 DIMENSIONAL WORLD EX U.S. CORE EQUITY 2 ETF ETF 25434V880 1755447 81271 SH SOLE 0 0 0 81270 AVANTIS U.S. LARGE CAP VALUE ETF ETF 025072349 278504 5549 SH SOLE 0 0 0 5549 INVESCO BULLETSHARES 2031 CORPORATE BOND ETF ETF 46138J429 397719 25252 SH SOLE 0 0 0 25252 INVESCO BULLETSHARES 2031 MUNICIPAL BOND ETF ETF 46138J411 409351 19704 SH SOLE 0 0 0 19704 VANGUARD VALUE ETF ETF 922908744 988651 7043 SH SOLE 0 0 0 7043 VANGUARD GROWTH ETF ETF 922908736 2501215 11737 SH SOLE 0 0 0 11736 SPDR BLOOMBERG SHORT TERM HIGH YIELD BOND ETF ETF 78468R408 272409 11238 SH SOLE 0 0 0 11238 DIMENSIONAL SHORT-DURATION FIXED INCOME ETF ETF 25434V864 3016913 65457 SH SOLE 0 0 0 65457 META PLATFORMS INC CL A Stock 30303M102 696167 5785 SH SOLE 0 0 0 5785 DIMENSIONAL US REAL ESTATE ETF ETF 25434V823 2856984 135082 SH SOLE 0 0 0 135082 DIMENSIONAL US SMALL CAP VALUE ETF ETF 25434V815 634459 25614 SH SOLE 0 0 0 25614 DIMENSIONAL INTERNATIONAL SMALL CAP VALUE ETF ETF 25434V781 1333844 60056 SH SOLE 0 0 0 60056 DIMENSIONAL INTERNATIONAL CORE EQUITY 2 ETF ETF 25434V799 513201 22962 SH SOLE 0 0 0 22962 DIMENSIONAL US MARKETWIDE VALUE ETF ETF 25434V724 4292474 128210 SH SOLE 0 0 0 128210 WP CAREY INC COM REIT 92936U109 2678828 34278 SH SOLE 0 0 0 34278 BROADCOM INC COM Stock 11135F101 535452 958 SH SOLE 0 0 0 957 VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF ETF 922020805 8867567 189843 SH SOLE 0 0 0 189843 ISHARES CORE MSCI EAFE ETF ETF 46432F842 414312 6721 SH SOLE 0 0 0 6721 WISDOMTREE U.S. TOTAL DIVIDEND FUND ETF 97717W109 466156 7686 SH SOLE 0 0 0 7686 ACCENTURE PLC IRELAND SHS CLASS A Stock G1151C101 306866 1150 SH SOLE 0 0 0 1150 NVIDIA CORPORATION COM Stock 67066G104 355851 2435 SH SOLE 0 0 0 2435 ISHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF ETF 464288646 3359148 67426 SH SOLE 0 0 0 67425 PGIM GLOBAL HIGH YIELD FD FORM COM CEF 69346J106 279282 25764 SH SOLE 0 0 0 25764 VANGUARD FTSE ALL-WORLD EX-US INDEX FUND ETF 922042775 1471550 29349 SH SOLE 0 0 0 29348 BLACKSTONE INC COM Stock 09260D107 332891 4487 SH SOLE 0 0 0 4487 ISHARES MSCI GLOBAL ENERGY PRODUCERS ETF ETF 464286343 345829 14261 SH SOLE 0 0 0 14261 QUALCOMM INC COM Stock 747525103 1199585 10911 SH SOLE 0 0 0 10911 ENERGY SELECT SECTOR SPDR FUND ETF 81369Y506 286765 3278 SH SOLE 0 0 0 3278 ISHARES S&P 500 VALUE ETF ETF 464287408 390674 2693 SH SOLE 0 0 0 2693 LULULEMON ATHLETICA INC COM Stock 550021109 638517 1993 SH SOLE 0 0 0 1993 ISHARES S&P 500 GROWTH ETF ETF 464287309 299637 5122 SH SOLE 0 0 0 5122 ISHARES CORE S&P 500 ETF ETF 464287200 21540414 56064 SH SOLE 0 0 0 56064 DIMENSIONAL EMERGING MARKETS CORE EQUITY 2 ETF ETF 25434V732 2322678 103414 SH SOLE 0 0 0 103414 LOCKHEED MARTIN CORP COM Stock 539830109 891063 1832 SH SOLE 0 0 0 1831 JPMORGAN CHASE & CO COM Stock 46625H100 3363922 25085 SH SOLE 0 0 0 25085 JPMORGAN CHASE & CO COM Stock 46625H100 27 200 SH Call SOLE 0 0 0 200 CHEVRON CORP NEW COM Stock 166764100 1609376 8966 SH SOLE 0 0 0 8966 VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 3962933 94423 SH SOLE 0 0 0 94423 BANK AMERICA CORP COM Stock 060505104 847237 25581 SH SOLE 0 0 0 25580 SPDR PORTFOLIO S&P 1500 COMPOSITE STOCK MARKET ETF ETF 78464A805 244717 5175 SH SOLE 0 0 0 5174 INTERNATIONAL BUSINESS MACHS COM Stock 459200101 249008 1767 SH SOLE 0 0 0 1767 VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858 925253 23737 SH SOLE 0 0 0 23736 VANGUARD HIGH DIVIDEND YIELD INDEX ETF ETF 921946406 622262 5751 SH SOLE 0 0 0 5750 PFIZER INC COM Stock 717081103 1179651 23022 SH SOLE 0 0 0 23022 ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF ETF 464287242 718225 6812 SH SOLE 0 0 0 6812 CATERPILLAR INC COM Stock 149123101 420493 1755 SH SOLE 0 0 0 1755 ALPHABET INC CAP STK CL C Stock 02079K107 385088 4340 SH SOLE 0 0 0 4340 AMGEN INC COM Stock 031162100 942841 3590 SH SOLE 0 0 0 3589 JD.COM INC SPON ADR CL A ADR 47215P106 224520 4000 SH SOLE 0 0 0 4000 VANGUARD DIVIDEND APPRECIATION ETF ETF 921908844 920944 6065 SH SOLE 0 0 0 6064 ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226 524522 5408 SH SOLE 0 0 0 5408 ISHARES CORE TOTAL USD BOND MARKET ETF ETF 46434V613 418343 9311 SH SOLE 0 0 0 9311 VANGUARD SHORT-TERM BOND ETF ETF 921937827 1216267 16157 SH SOLE 0 0 0 16156 LAM RESEARCH CORP COM Stock 512807108 1062178 2527 SH SOLE 0 0 0 2527 BRISTOL-MYERS SQUIBB CO COM Stock 110122108 346008 4809 SH SOLE 0 0 0 4809 EXXON MOBIL CORP COM Stock 30231G102 335721 3044 SH SOLE 0 0 0 3043 SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF ETF 78463X889 7874768 265233 SH SOLE 0 0 0 265233 BLACKROCK INC COM Stock 09247X101 304712 430 SH SOLE 0 0 0 430 ISHARES CORE S&P MID-CAP ETF ETF 464287507 276393 1143 SH SOLE 0 0 0 1142 ISHARES MSCI EAFE ETF ETF 464287465 331810 5055 SH SOLE 0 0 0 5055 APPLE INC COM Stock 037833100 13601553 104684 SH SOLE 0 0 0 104683 DISNEY WALT CO COM Stock 254687106 344267 3963 SH SOLE 0 0 0 3962