13F HOLDINGS REPORT

Gradient Capital Advisors, LLC

Quarter ended Q2 2023 · Filed April 18, 2023 · Accession 0001727917-23-000004

Total Value

$235.2M

Positions

138

Other Managers

Confidential Omitted

View on SEC.gov

Holdings (138)

#	Issuer	Ticker / CUSIP	Shares	Value	% of Filing
1	ISHARES CORE S&P 500 ETF	464287200	56,764	$23.3M	9.92%
2	APPLE INC COM	AAPL	103,376	$17.0M	7.25%
3	SCHWAB INTERNATIONAL EQUITY ETF	808524805	277,235	$9.6M	4.10%
4	SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF	78463X889	261,607	$8.4M	3.57%
5	VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF	922020805	174,124	$8.3M	3.54%
6	JPMORGAN ULTRA-SHORT INCOME ETF	46641Q837	152,294	$7.7M	3.26%
7	SCHWAB U.S. MID-CAP ETF	808524508	94,366	$6.4M	2.72%
8	DIMENSIONAL U.S. TARGETED VALUE ETF	25434V609	143,518	$6.4M	2.72%
9	VANGUARD SHORT-TERM CORPORATE BOND ETF	92206C409	83,317	$6.4M	2.70%
10	VANGUARD S&P 500 ETF	922908363	16,798	$6.3M	2.69%
11	TESLA INC COM	TSLA	28,813	$6.0M	2.54%
12	SCHWAB U.S. LARGE-CAP ETF	808524201	120,579	$5.8M	2.48%
13	DIMENSIONAL US MARKETWIDE VALUE ETF	25434V724	134,317	$4.5M	1.91%
14	VANGUARD FTSE DEVELOPED MARKETS ETF	921943858	94,358	$4.3M	1.81%
15	MICROSOFT CORP COM	MSFT	13,272	$3.8M	1.63%
16	VANGUARD LARGE-CAP ETF	922908637	19,806	$3.7M	1.57%
17	VANGUARD TOTAL INTERNATIONAL STOCK ETF	921909768	66,340	$3.7M	1.56%
18	DIMENSIONAL EMERGING MARKETS CORE EQUITY 2 ETF	25434V732	138,702	$3.3M	1.39%
19	JPMORGAN CHASE & CO COM	VYLD	24,809	$3.2M	1.37%
20	VANGUARD MID-CAP ETF	922908629	15,313	$3.2M	1.37%
21	DIMENSIONAL SHORT-DURATION FIXED INCOME ETF	25434V864	69,182	$3.2M	1.37%
22	DIMENSIONAL US REAL ESTATE ETF	25434V823	139,995	$3.0M	1.28%
23	VANGUARD GROWTH ETF	922908736	11,658	$2.9M	1.24%
24	ISHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF	464288646	56,754	$2.9M	1.22%
25	VANGUARD SMALL-CAP ETF	922908751	14,621	$2.8M	1.18%
26	WP CAREY INC COM	92936U109	35,783	$2.8M	1.18%
27	VANGUARD GLOBAL EX-U.S. REAL ESTATE ETF	922042676	62,026	$2.5M	1.07%
28	DIMENSIONAL WORLD EX U.S. CORE EQUITY 2 ETF	25434V880	88,032	$2.0M	0.86%
29	BERKSHIRE HATHAWAY INC DEL CL B NEW	BRK-A	6,289	$1.9M	0.83%
30	SCHWAB US DIVIDEND EQUITY ETF	808524797	25,904	$1.9M	0.81%
31	ALPHABET INC CAP STK CL A	GOOG	16,718	$1.7M	0.74%
32	VANGUARD SMALL CAP VALUE ETF	922908611	9,605	$1.5M	0.65%
33	DIMENSIONAL INTERNATIONAL SMALL CAP VALUE ETF	25434V781	63,140	$1.5M	0.64%
34	VANGUARD FTSE ALL-WORLD EX-US INDEX FUND	922042775	27,838	$1.5M	0.63%
35	DIMENSIONAL EMERGING CORE EQUITY MARKET ETF	25434V302	64,138	$1.5M	0.63%
36	VANGUARD REAL ESTATE ETF	922908553	17,697	$1.5M	0.62%
37	CHEVRON CORP NEW COM	CVX	8,929	$1.5M	0.62%
38	VANGUARD ULTRA-SHORT BOND ETF	92203C303	28,687	$1.4M	0.60%
39	QUALCOMM INC COM	QCOM	10,934	$1.4M	0.59%
40	LAM RESEARCH CORP COM	LRCX	2,606	$1.4M	0.59%
41	JOHNSON & JOHNSON COM	JNJ	8,272	$1.3M	0.55%
42	AVANTIS INTERNATIONAL SMALL CAP VALUE ETF	025072802	21,524	$1.3M	0.54%
43	SCHWAB U.S. BROAD MARKET ETF	808524102	25,721	$1.2M	0.52%
44	SPDR GOLD MINISHARES TRUST	GLDW	31,254	$1.2M	0.52%
45	META PLATFORMS INC CL A	META	5,735	$1.2M	0.52%
46	JPMORGAN ULTRA-SHORT MUNICIPAL INCOME ETF	46641Q654	23,108	$1.2M	0.50%
47	SCHWAB U.S. LARGE-CAP VALUE ETF	808524409	16,931	$1.1M	0.47%
48	SCHWAB U.S. REIT ETF	808524847	56,862	$1.1M	0.47%
49	VANGUARD SHORT-TERM BOND ETF	921937827	13,561	$1.0M	0.44%
50	SCHWAB US AGGREGATE BOND ETF	808524839	22,090	$1.0M	0.44%
51	AMAZON COM INC COM	AMZN	9,766	$1.0M	0.43%
52	SCHWAB U.S. SMALL-CAP ETF	808524607	23,290	$976,535	0.42%
53	VANGUARD VALUE ETF	922908744	6,959	$961,132	0.41%
54	VANGUARD FTSE EMERGING MARKETS ETF	922042858	23,422	$946,238	0.40%
55	PFIZER INC COM	PFE	22,952	$936,444	0.40%
56	AVANTIS U.S. SMALL CAP VALUE ETF	025072877	12,627	$935,156	0.40%
57	VANGUARD DIVIDEND APPRECIATION ETF	921908844	6,046	$931,176	0.40%
58	VANGUARD TOTAL STOCK MARKET ETF	922908769	4,534	$925,389	0.39%
59	ISHARES RUSSELL 2000 ETF	464287655	5,142	$917,333	0.39%
60	SPDR GOLD SHARES	GLD	4,943	$905,656	0.39%
61	CONSUMER STAPLES SELECT SECTOR SPDR FUND	81369Y308	11,945	$892,440	0.38%
62	LOCKHEED MARTIN CORP COM	LMT	1,852	$875,271	0.37%
63	AMGEN INC COM	AMGN	3,545	$856,916	0.36%
64	SPDR PORTFOLIO SHORT TERM CORPORATE BOND ETF	78464A474	28,533	$845,433	0.36%
65	VANGUARD HEALTH CARE ETF	92204A504	3,450	$822,764	0.35%
66	LULULEMON ATHLETICA INC COM	LULU	1,996	$726,923	0.31%
67	HOME DEPOT INC COM	HD	2,463	$726,792	0.31%
68	BANK AMERICA CORP COM	060505104	25,403	$726,515	0.31%
69	DIMENSIONAL US SMALL CAP VALUE ETF	25434V815	28,232	$703,824	0.30%
70	ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF	464287242	6,315	$692,203	0.29%
71	NVIDIA CORPORATION COM	NVDA	2,420	$672,203	0.29%
72	ISHARES CORE S&P SMALL CAP ETF	464287804	6,679	$645,847	0.27%
73	SCHWAB US TIPS ETF	808524870	11,687	$626,540	0.27%
74	BROADCOM INC COM	AVGO	963	$617,661	0.26%
75	VANGUARD HIGH DIVIDEND YIELD INDEX ETF	921946406	5,793	$611,190	0.26%
76	SPDR S&P 500 ETF TRUST	SPY	1,358	$555,952	0.24%
77	DIMENSIONAL INTERNATIONAL CORE EQUITY 2 ETF	25434V799	22,962	$552,581	0.23%
78	VISA INC COM CL A	V	2,339	$527,460	0.22%
79	ISHARES CORE U.S. AGGREGATE BOND ETF	464287226	5,214	$519,523	0.22%
80	SCHWAB EMERGING MARKETS EQUITY ETF	808524706	20,288	$497,455	0.21%
81	WISDOMTREE U.S. TOTAL DIVIDEND FUND	WT	7,686	$465,695	0.20%
82	DIMENSIONAL U.S. CORE EQUITY 2 ETF	25434V708	18,256	$465,156	0.20%
83	INTEL CORP COM	INTC	14,004	$457,509	0.19%
84	INVESCO S&P 500 LOW VOLATILITY ETF	IVZ	7,283	$454,459	0.19%
85	ISHARES CORE MSCI EAFE ETF	46432F842	6,721	$449,330	0.19%
86	ALPHABET INC CAP STK CL C	GOOG	4,190	$435,760	0.19%
87	DIMENSIONAL U.S. EQUITY ETF	25434V401	9,780	$434,525	0.18%
88	DIMENSIONAL INTERNATIONAL CORE EQUITY MARKET ETF	25434V203	16,092	$433,679	0.18%
89	INVESCO BULLETSHARES 2031 MUNICIPAL BOND ETF	IVZ	19,704	$422,040	0.18%
90	DISNEY WALT CO COM	254687106	4,113	$411,790	0.18%
91	INVESCO BULLETSHARES 2031 CORPORATE BOND ETF	IVZ	25,252	$410,196	0.17%
92	ISHARES S&P 500 VALUE ETF	464287408	2,693	$408,690	0.17%
93	CATERPILLAR INC COM	CAT	1,756	$401,740	0.17%
94	SPDR NUVEEN BLOOMBERG HIGH YIELD MUNICIPAL BOND ETF	78464A284	15,788	$395,332	0.17%
95	BLACKSTONE INC COM	BX	4,487	$394,138	0.17%
96	ISHARES MSCI EAFE ETF	464287465	5,055	$361,534	0.15%
97	BOEING CO COM	BA-PA	1,674	$355,633	0.15%
98	ISHARES CORE TOTAL USD BOND MARKET ETF	46434V613	7,457	$344,141	0.15%
99	EXXON MOBIL CORP COM	XOM	3,045	$333,964	0.14%
100	ISHARES MSCI GLOBAL ENERGY PRODUCERS ETF	464286343	14,261	$332,648	0.14%
101	ISHARES IBONDS DEC 2032 TERM CORPORATE ETF	46436E312	13,252	$332,228	0.14%
102	BRISTOL-MYERS SQUIBB CO COM	CELG-RI	4,787	$331,787	0.14%
103	ACCENTURE PLC IRELAND SHS CLASS A	ACN	1,150	$328,682	0.14%
104	ISHARES S&P 500 GROWTH ETF	464287309	5,122	$327,245	0.14%
105	ISHARES COHEN & STEERS REIT ETF	464287564	5,889	$327,075	0.14%
106	STARBUCKS CORP COM	SBUX	3,117	$324,610	0.14%
107	REGENERON PHARMACEUTICALS COM	REGN	384	$315,521	0.13%
108	INVESCO QQQ TRUST	IVZ	974	$312,721	0.13%
109	YUM BRANDS INC COM	YUM	2,325	$307,086	0.13%
110	ISHARES TIPS BOND ETF	464287176	2,653	$292,479	0.12%
111	NETFLIX INC COM	NFLX	846	$292,276	0.12%
112	AVANTIS U.S. LARGE CAP VALUE ETF	025072349	5,672	$289,896	0.12%
113	ISHARES CORE S&P MID-CAP ETF	464287507	1,143	$285,843	0.12%
114	JPMORGAN SHORT DURATION CORE PLUS ETF	46641Q274	6,160	$285,088	0.12%
115	YUM CHINA HLDGS INC COM	YUMC	4,493	$284,811	0.12%
116	SPDR BLOOMBERG SHORT TERM HIGH YIELD BOND ETF	78468R408	11,442	$284,219	0.12%
117	ADOBE SYSTEMS INCORPORATED COM	ADBE	734	$282,862	0.12%
118	PGIM GLOBAL HIGH YIELD FD FORM COM	69346J106	25,764	$282,631	0.12%
119	SCHWAB INTERNATIONAL SMALL-CAP EQUITY ETF	808524888	8,225	$277,278	0.12%
120	MERCK & CO INC COM	MRK	2,602	$276,827	0.12%
121	ENERGY SELECT SECTOR SPDR FUND	81369Y506	3,282	$271,819	0.12%
122	COSTCO WHSL CORP NEW COM	22160K105	538	$267,532	0.11%
123	DIMENSIONAL US CORE EQUITY MARKET ETF	25434V104	9,171	$263,850	0.11%
124	SPDR PORTFOLIO S&P 1500 COMPOSITE STOCK MARKET ETF	78464A805	5,175	$260,984	0.11%
125	PROCTER AND GAMBLE CO COM	742718109	1,754	$260,815	0.11%
126	BLACKROCK INC COM	BLK	376	$251,741	0.11%
127	INTUIT COM	INTU	560	$249,665	0.11%
128	INTERNATIONAL BUSINESS MACHS COM	INTR	1,772	$232,327	0.10%
129	ISHARES 0-5 YEAR TIPS BOND ETF	46429B747	2,308	$229,023	0.10%
130	JPMORGAN INFLATION MANAGED BOND ETF	46654Q104	4,606	$218,733	0.09%
131	FEDEX CORP COM	FDX	924	$211,125	0.09%
132	INVESCO BULLETSHARES 2030 MUNICIPAL BOND ETF	IVZ	9,381	$208,540	0.09%
133	UNITED PARCEL SERVICE INC CL B	UPS	1,067	$206,987	0.09%
134	INVESCO BULLETSHARES 2030 CORPORATE BOND ETF	IVZ	12,500	$206,125	0.09%
135	INVESCO CALIFORNIA AMT-FREE MUNICIPAL BOND ETF	IVZ	8,205	$203,238	0.09%
136	VANGUARD INTERNATIONAL HIGH DIVIDEND YIELD ETF	921946794	3,278	$203,072	0.09%
137	NUVEEN CALIFORNIA AMT QLT MUN COM	NU	14,354	$167,081	0.07%
138	IMMUNOPRECISE ANTIBODIES LTD COM NEW	45257F200	26,808	$74,258	0.03%