13F HOLDINGS REPORT

Gradient Capital Advisors, LLC

Quarter ended Q1 2023 · Filed February 6, 2023 · Accession 0001727917-23-000002

Total Value

$220.1M

Positions

134

Other Managers

Confidential Omitted

View on SEC.gov

Holdings (134)

#	Issuer	Ticker / CUSIP	Shares	Value	% of Filing
1	ISHARES CORE S&P 500 ETF	464287200	56,064	$21.5M	9.79%
2	APPLE INC COM	AAPL	104,684	$13.6M	6.18%
3	SCHWAB INTERNATIONAL EQUITY ETF	808524805	278,479	$9.0M	4.08%
4	VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF	922020805	189,843	$8.9M	4.03%
5	SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF	78463X889	265,233	$7.9M	3.58%
6	JPMORGAN ULTRA-SHORT INCOME ETF	46641Q837	149,981	$7.5M	3.42%
7	VANGUARD SHORT-TERM CORPORATE BOND ETF	92206C409	88,483	$6.7M	3.02%
8	DIMENSIONAL U.S. TARGETED VALUE ETF	25434V609	145,327	$6.4M	2.90%
9	SCHWAB U.S. MID-CAP ETF	808524508	93,578	$6.1M	2.79%
10	VANGUARD S&P 500 ETF	922908363	17,143	$6.0M	2.74%
11	SCHWAB U.S. LARGE-CAP ETF	808524201	124,649	$5.6M	2.56%
12	DIMENSIONAL US MARKETWIDE VALUE ETF	25434V724	128,210	$4.3M	1.95%
13	VANGUARD FTSE DEVELOPED MARKETS ETF	921943858	94,423	$4.0M	1.80%
14	TESLA INC COM	TSLA	28,491	$3.5M	1.59%
15	VANGUARD LARGE-CAP ETF	922908637	19,692	$3.4M	1.56%
16	JPMORGAN CHASE & CO COM	VYLD	25,085	$3.4M	1.53%
17	ISHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF	464288646	67,426	$3.4M	1.53%
18	VANGUARD TOTAL INTERNATIONAL STOCK ETF	921909768	61,049	$3.2M	1.43%
19	VANGUARD MID-CAP ETF	922908629	15,285	$3.1M	1.42%
20	DIMENSIONAL SHORT-DURATION FIXED INCOME ETF	25434V864	65,457	$3.0M	1.37%
21	MICROSOFT CORP COM	MSFT	12,097	$2.9M	1.32%
22	DIMENSIONAL US REAL ESTATE ETF	25434V823	135,082	$2.9M	1.30%
23	VANGUARD SMALL-CAP ETF	922908751	14,898	$2.7M	1.24%
24	WP CAREY INC COM	92936U109	34,278	$2.7M	1.22%
25	VANGUARD GROWTH ETF	922908736	11,737	$2.5M	1.14%
26	VANGUARD GLOBAL EX-U.S. REAL ESTATE ETF	922042676	60,502	$2.5M	1.14%
27	DIMENSIONAL EMERGING MARKETS CORE EQUITY 2 ETF	25434V732	103,414	$2.3M	1.06%
28	SCHWAB US DIVIDEND EQUITY ETF	808524797	24,919	$1.9M	0.86%
29	BERKSHIRE HATHAWAY INC DEL CL B NEW	BRK-A	6,074	$1.9M	0.85%
30	JPMORGAN ULTRA-SHORT MUNICIPAL INCOME ETF	46641Q654	35,843	$1.8M	0.82%
31	DIMENSIONAL WORLD EX U.S. CORE EQUITY 2 ETF	25434V880	81,271	$1.8M	0.80%
32	VANGUARD ULTRA-SHORT BOND ETF	92203C303	33,585	$1.6M	0.75%
33	CHEVRON CORP NEW COM	CVX	8,966	$1.6M	0.73%
34	VANGUARD SMALL CAP VALUE ETF	922908611	9,778	$1.6M	0.71%
35	JOHNSON & JOHNSON COM	JNJ	8,666	$1.5M	0.70%
36	ALPHABET INC CAP STK CL A	GOOG	17,107	$1.5M	0.69%
37	DIMENSIONAL EMERGING CORE EQUITY MARKET ETF	25434V302	68,400	$1.5M	0.68%
38	VANGUARD FTSE ALL-WORLD EX-US INDEX FUND	922042775	29,349	$1.5M	0.67%
39	VANGUARD REAL ESTATE ETF	922908553	17,368	$1.4M	0.65%
40	DIMENSIONAL INTERNATIONAL SMALL CAP VALUE ETF	25434V781	60,056	$1.3M	0.61%
41	AVANTIS INTERNATIONAL SMALL CAP VALUE ETF	025072802	22,927	$1.3M	0.58%
42	VANGUARD SHORT-TERM BOND ETF	921937827	16,157	$1.2M	0.55%
43	QUALCOMM INC COM	QCOM	10,911	$1.2M	0.55%
44	PFIZER INC COM	PFE	23,022	$1.2M	0.54%
45	SCHWAB U.S. REIT ETF	808524847	60,210	$1.2M	0.53%
46	SPDR GOLD MINISHARES TRUST	GLDW	32,016	$1.2M	0.53%
47	SCHWAB U.S. LARGE-CAP VALUE ETF	808524409	17,310	$1.1M	0.52%
48	SCHWAB U.S. BROAD MARKET ETF	808524102	24,865	$1.1M	0.51%
49	LAM RESEARCH CORP COM	LRCX	2,527	$1.1M	0.48%
50	SCHWAB US AGGREGATE BOND ETF	808524839	22,186	$1.0M	0.46%
51	VANGUARD VALUE ETF	922908744	7,043	$988,651	0.45%
52	SCHWAB U.S. SMALL-CAP ETF	808524607	24,360	$986,830	0.45%
53	AVANTIS U.S. SMALL CAP VALUE ETF	025072877	12,974	$966,693	0.44%
54	AMGEN INC COM	AMGN	3,590	$942,841	0.43%
55	VANGUARD FTSE EMERGING MARKETS ETF	922042858	23,737	$925,253	0.42%
56	VANGUARD DIVIDEND APPRECIATION ETF	921908844	6,065	$920,944	0.42%
57	CONSUMER STAPLES SELECT SECTOR SPDR FUND	81369Y308	12,154	$906,115	0.41%
58	SPDR PORTFOLIO SHORT TERM CORPORATE BOND ETF	78464A474	30,520	$896,678	0.41%
59	ISHARES RUSSELL 2000 ETF	464287655	5,142	$896,559	0.41%
60	LOCKHEED MARTIN CORP COM	LMT	1,832	$891,063	0.40%
61	VANGUARD HEALTH CARE ETF	92204A504	3,435	$851,975	0.39%
62	BANK AMERICA CORP COM	060505104	25,581	$847,237	0.38%
63	VANGUARD TOTAL STOCK MARKET ETF	922908769	4,358	$833,206	0.38%
64	AMAZON COM INC COM	AMZN	9,866	$828,744	0.38%
65	SPDR GOLD SHARES	GLD	4,795	$813,424	0.37%
66	HOME DEPOT INC COM	HD	2,454	$775,256	0.35%
67	ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF	464287242	6,812	$718,225	0.33%
68	META PLATFORMS INC CL A	META	5,785	$696,167	0.32%
69	LULULEMON ATHLETICA INC COM	LULU	1,993	$638,517	0.29%
70	DIMENSIONAL US SMALL CAP VALUE ETF	25434V815	25,614	$634,459	0.29%
71	ISHARES CORE S&P SMALL CAP ETF	464287804	6,678	$631,979	0.29%
72	VANGUARD HIGH DIVIDEND YIELD INDEX ETF	921946406	5,751	$622,262	0.28%
73	SCHWAB US TIPS ETF	808524870	11,753	$608,688	0.28%
74	BROADCOM INC COM	AVGO	958	$535,452	0.24%
75	ISHARES CORE U.S. AGGREGATE BOND ETF	464287226	5,408	$524,522	0.24%
76	SCHWAB EMERGING MARKETS EQUITY ETF	808524706	22,157	$524,450	0.24%
77	SPDR S&P 500 ETF TRUST	SPY	1,358	$519,340	0.24%
78	DIMENSIONAL INTERNATIONAL CORE EQUITY 2 ETF	25434V799	22,962	$513,201	0.23%
79	VISA INC COM CL A	V	2,339	$486,036	0.22%
80	INVESCO S&P 500 LOW VOLATILITY ETF	IVZ	7,568	$483,595	0.22%
81	DIMENSIONAL U.S. EQUITY ETF	25434V401	11,499	$478,473	0.22%
82	WISDOMTREE U.S. TOTAL DIVIDEND FUND	WT	7,686	$466,156	0.21%
83	INTEL CORP COM	INTC	17,041	$450,386	0.20%
84	CATERPILLAR INC COM	CAT	1,755	$420,493	0.19%
85	ISHARES CORE TOTAL USD BOND MARKET ETF	46434V613	9,311	$418,343	0.19%
86	ISHARES CORE MSCI EAFE ETF	46432F842	6,721	$414,312	0.19%
87	INVESCO BULLETSHARES 2031 MUNICIPAL BOND ETF	IVZ	19,704	$409,351	0.19%
88	DIMENSIONAL INTERNATIONAL CORE EQUITY MARKET ETF	25434V203	16,092	$402,944	0.18%
89	INVESCO BULLETSHARES 2031 CORPORATE BOND ETF	IVZ	25,252	$397,719	0.18%
90	ISHARES S&P 500 VALUE ETF	464287408	2,693	$390,674	0.18%
91	SPDR NUVEEN BLOOMBERG HIGH YIELD MUNICIPAL BOND ETF	78464A284	7,894	$386,569	0.18%
92	ALPHABET INC CAP STK CL C	GOOG	4,340	$385,088	0.17%
93	NVIDIA CORPORATION COM	NVDA	2,435	$355,851	0.16%
94	BRISTOL-MYERS SQUIBB CO COM	CELG-RI	4,809	$346,008	0.16%
95	ISHARES MSCI GLOBAL ENERGY PRODUCERS ETF	464286343	14,261	$345,829	0.16%
96	DISNEY WALT CO COM	254687106	3,963	$344,267	0.16%
97	EXXON MOBIL CORP COM	XOM	3,044	$335,721	0.15%
98	BLACKSTONE INC COM	BX	4,487	$332,891	0.15%
99	ISHARES MSCI EAFE ETF	464287465	5,055	$331,810	0.15%
100	ISHARES COHEN & STEERS REIT ETF	464287564	5,889	$322,953	0.15%
101	BOEING CO COM	BA-PA	1,674	$318,903	0.14%
102	ACCENTURE PLC IRELAND SHS CLASS A	ACN	1,150	$306,866	0.14%
103	STARBUCKS CORP COM	SBUX	3,090	$306,480	0.14%
104	BLACKROCK INC COM	BLK	430	$304,712	0.14%
105	YUM CHINA HLDGS INC COM	YUMC	5,525	$301,941	0.14%
106	ISHARES S&P 500 GROWTH ETF	464287309	5,122	$299,637	0.14%
107	YUM BRANDS INC COM	YUM	2,325	$297,786	0.14%
108	MERCK & CO INC COM	MRK	2,602	$288,692	0.13%
109	ENERGY SELECT SECTOR SPDR FUND	81369Y506	3,278	$286,765	0.13%
110	ISHARES TIPS BOND ETF	464287176	2,653	$282,372	0.13%
111	JPMORGAN SHORT DURATION CORE PLUS ETF	46641Q274	6,160	$281,512	0.13%
112	PGIM GLOBAL HIGH YIELD FD FORM COM	69346J106	25,764	$279,282	0.13%
113	AVANTIS U.S. LARGE CAP VALUE ETF	025072349	5,549	$278,504	0.13%
114	REGENERON PHARMACEUTICALS COM	REGN	384	$277,052	0.13%
115	ISHARES CORE S&P MID-CAP ETF	464287507	1,143	$276,393	0.13%
116	SPDR BLOOMBERG SHORT TERM HIGH YIELD BOND ETF	78468R408	11,238	$272,409	0.12%
117	ISHARES 0-5 YEAR TIPS BOND ETF	46429B747	2,684	$260,241	0.12%
118	SCHWAB INTERNATIONAL SMALL-CAP EQUITY ETF	808524888	8,254	$259,766	0.12%
119	INVESCO QQQ TRUST	IVZ	974	$259,452	0.12%
120	DIMENSIONAL US CORE EQUITY 2 ETF	25434V708	10,680	$259,304	0.12%
121	PROCTER AND GAMBLE CO COM	742718109	1,686	$255,518	0.12%
122	NETFLIX INC COM	NFLX	846	$249,468	0.11%
123	INTERNATIONAL BUSINESS MACHS COM	INTR	1,767	$249,008	0.11%
124	ADOBE SYSTEMS INCORPORATED COM	ADBE	734	$247,013	0.11%
125	COSTCO WHSL CORP NEW COM	22160K105	538	$245,778	0.11%
126	DIMENSIONAL US CORE EQUITY MARKET ETF	25434V104	9,069	$245,044	0.11%
127	SPDR PORTFOLIO S&P 1500 COMPOSITE STOCK MARKET ETF	78464A805	5,175	$244,717	0.11%
128	JD.COM INC SPON ADR CL A	JDCMF	4,000	$224,520	0.10%
129	INTUIT COM	INTU	560	$217,963	0.10%
130	INVESCO BULLETSHARES 2030 MUNICIPAL BOND ETF	IVZ	9,381	$203,328	0.09%
131	INVESCO BULLETSHARES 2030 CORPORATE BOND ETF	IVZ	12,500	$199,578	0.09%
132	NUVEEN CALIFORNIA AMT QLT MUN COM	NU	14,354	$176,554	0.08%
133	IMMUNOPRECISE ANTIBODIES LTD COM NEW	45257F200	26,808	$139,670	0.06%
134	JPMORGAN CHASE & CO COM	VYLD	200	$27	0.00%