13F HOLDINGS REPORT

Gradient Capital Advisors, LLC

Quarter ended Q3 2023 · Filed July 19, 2023 · Accession 0001727917-23-000006

Total Value

$249.4M

Positions

139

Other Managers

Confidential Omitted

View on SEC.gov

Holdings (139)

#	Issuer	Ticker / CUSIP	Shares	Value	% of Filing
1	ISHARES CORE S&P 500 ETF	464287200	56,774	$25.3M	10.15%
2	APPLE INC COM	AAPL	102,281	$19.8M	7.96%
3	SCHWAB INTERNATIONAL EQUITY ETF	808524805	273,027	$9.7M	3.90%
4	SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF	78463X889	269,011	$8.8M	3.51%
5	TESLA INC COM	TSLA	29,205	$7.6M	3.07%
6	VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF	922020805	160,933	$7.6M	3.06%
7	JPMORGAN ULTRA-SHORT INCOME ETF	46641Q837	148,928	$7.5M	2.99%
8	SCHWAB U.S. MID-CAP ETF	808524508	96,507	$6.9M	2.75%
9	VANGUARD S&P 500 ETF	922908363	16,340	$6.7M	2.67%
10	DIMENSIONAL U.S. TARGETED VALUE ETF	25434V609	141,445	$6.6M	2.63%
11	SCHWAB U.S. LARGE-CAP ETF	808524201	120,050	$6.3M	2.52%
12	VANGUARD SHORT-TERM CORPORATE BOND ETF	92206C409	82,437	$6.2M	2.50%
13	MICROSOFT CORP COM	MSFT	14,591	$5.0M	1.99%
14	DIMENSIONAL US MARKETWIDE VALUE ETF	25434V724	134,392	$4.6M	1.86%
15	VANGUARD FTSE DEVELOPED MARKETS ETF	921943858	91,231	$4.2M	1.69%
16	VANGUARD LARGE-CAP ETF	922908637	20,072	$4.1M	1.63%
17	VANGUARD TOTAL INTERNATIONAL STOCK ETF	921909768	66,183	$3.7M	1.49%
18	JPMORGAN CHASE & CO COM	VYLD	24,641	$3.6M	1.44%
19	DIMENSIONAL EMERGING MARKETS CORE EQUITY 2 ETF	25434V732	146,619	$3.5M	1.41%
20	DIMENSIONAL SHORT-DURATION FIXED INCOME ETF	25434V864	74,347	$3.4M	1.38%
21	VANGUARD MID-CAP ETF	922908629	15,342	$3.4M	1.35%
22	VANGUARD GROWTH ETF	922908736	11,297	$3.2M	1.28%
23	DIMENSIONAL US REAL ESTATE ETF	25434V823	147,432	$3.2M	1.27%
24	VANGUARD SMALL-CAP ETF	922908751	14,592	$2.9M	1.16%
25	ISHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF	464288646	53,548	$2.7M	1.08%
26	VANGUARD GLOBAL EX-U.S. REAL ESTATE ETF	922042676	64,419	$2.6M	1.04%
27	WP CAREY INC COM	92936U109	35,296	$2.4M	0.96%
28	BERKSHIRE HATHAWAY INC DEL CL B NEW	BRK-A	6,657	$2.3M	0.91%
29	DIMENSIONAL WORLD EX U.S. CORE EQUITY 2 ETF	25434V880	92,638	$2.2M	0.87%
30	SCHWAB US DIVIDEND EQUITY ETF	808524797	29,268	$2.1M	0.85%
31	ALPHABET INC CAP STK CL A	GOOG	17,179	$2.1M	0.82%
32	LAM RESEARCH CORP COM	LRCX	2,629	$1.7M	0.68%
33	VANGUARD SMALL CAP VALUE ETF	922908611	9,798	$1.6M	0.65%
34	DIMENSIONAL INTERNATIONAL SMALL CAP VALUE ETF	25434V781	68,225	$1.6M	0.65%
35	META PLATFORMS INC CL A	META	5,467	$1.6M	0.63%
36	VANGUARD FTSE ALL-WORLD EX-US INDEX FUND	922042775	27,863	$1.5M	0.61%
37	DIMENSIONAL EMERGING CORE EQUITY MARKET ETF	25434V302	63,821	$1.5M	0.60%
38	VANGUARD REAL ESTATE ETF	922908553	17,590	$1.5M	0.59%
39	JOHNSON & JOHNSON COM	JNJ	8,732	$1.4M	0.58%
40	CHEVRON CORP NEW COM	CVX	8,612	$1.4M	0.54%
41	SCHWAB U.S. BROAD MARKET ETF	808524102	25,799	$1.3M	0.53%
42	QUALCOMM INC COM	QCOM	11,115	$1.3M	0.53%
43	AMAZON COM INC COM	AMZN	9,808	$1.3M	0.51%
44	SPDR GOLD MINISHARES TRUST	GLDW	31,994	$1.2M	0.49%
45	AVANTIS INTERNATIONAL SMALL CAP VALUE ETF	025072802	21,110	$1.2M	0.49%
46	DIMENSIONAL US SMALL CAP VALUE ETF	25434V815	45,664	$1.2M	0.47%
47	SCHWAB U.S. LARGE-CAP VALUE ETF	808524409	16,886	$1.1M	0.45%
48	JPMORGAN ULTRA-SHORT MUNICIPAL INCOME ETF	46641Q654	21,713	$1.1M	0.44%
49	VANGUARD ULTRA-SHORT BOND ETF	92203C303	21,734	$1.1M	0.43%
50	SCHWAB U.S. REIT ETF	808524847	52,973	$1.0M	0.41%
51	VANGUARD TOTAL STOCK MARKET ETF	922908769	4,673	$1.0M	0.41%
52	NVIDIA CORPORATION COM	NVDA	2,429	$1.0M	0.41%
53	SCHWAB U.S. SMALL-CAP ETF	808524607	23,395	$1.0M	0.41%
54	VANGUARD SHORT-TERM BOND ETF	921937827	13,192	$996,942	0.40%
55	AVANTIS U.S. SMALL CAP VALUE ETF	025072877	12,627	$979,981	0.39%
56	VANGUARD VALUE ETF	922908744	6,893	$979,520	0.39%
57	SPDR GOLD SHARES	GLD	5,465	$974,246	0.39%
58	VANGUARD DIVIDEND APPRECIATION ETF	921908844	5,936	$964,218	0.39%
59	ISHARES RUSSELL 2000 ETF	464287655	5,142	$962,942	0.39%
60	SCHWAB US AGGREGATE BOND ETF	808524839	20,697	$955,351	0.38%
61	VANGUARD FTSE EMERGING MARKETS ETF	922042858	23,062	$938,145	0.38%
62	CONSUMER STAPLES SELECT SECTOR SPDR FUND	81369Y308	11,841	$878,276	0.35%
63	LOCKHEED MARTIN CORP COM	LMT	1,906	$877,549	0.35%
64	VANGUARD HEALTH CARE ETF	92204A504	3,510	$859,397	0.34%
65	BROADCOM INC COM	AVGO	975	$845,997	0.34%
66	AMGEN INC COM	AMGN	3,496	$776,275	0.31%
67	SPDR PORTFOLIO SHORT TERM CORPORATE BOND ETF	78464A474	25,830	$760,435	0.30%
68	HOME DEPOT INC COM	HD	2,440	$757,906	0.30%
69	LULULEMON ATHLETICA INC COM	LULU	2,002	$757,757	0.30%
70	PFIZER INC COM	PFE	19,740	$724,070	0.29%
71	BANK AMERICA CORP COM	060505104	24,649	$707,180	0.28%
72	ISHARES CORE S&P SMALL CAP ETF	464287804	6,680	$665,667	0.27%
73	ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF	464287242	5,757	$622,527	0.25%
74	VANGUARD HIGH DIVIDEND YIELD INDEX ETF	921946406	5,801	$615,347	0.25%
75	SCHWAB US TIPS ETF	808524870	11,687	$612,749	0.25%
76	DIMENSIONAL U.S. CORE EQUITY 2 ETF	25434V708	21,340	$579,380	0.23%
77	SPDR S&P 500 ETF TRUST	SPY	1,289	$571,388	0.23%
78	VISA INC COM CL A	V	2,350	$557,971	0.22%
79	DIMENSIONAL INTERNATIONAL CORE EQUITY 2 ETF	25434V799	22,962	$557,288	0.22%
80	SPDR PORTFOLIO S&P 1500 COMPOSITE STOCK MARKET ETF	78464A805	10,019	$545,410	0.22%
81	ISHARES CORE U.S. AGGREGATE BOND ETF	464287226	5,214	$510,711	0.20%
82	DIMENSIONAL U.S. EQUITY ETF	25434V401	10,454	$503,465	0.20%
83	EXXON MOBIL CORP COM	XOM	4,471	$479,538	0.19%
84	SCHWAB EMERGING MARKETS EQUITY ETF	808524706	19,390	$477,579	0.19%
85	WISDOMTREE U.S. TOTAL DIVIDEND FUND	WT	7,686	$477,224	0.19%
86	INTEL CORP COM	INTC	14,077	$470,736	0.19%
87	ALPHABET INC CAP STK CL C	GOOG	3,890	$470,573	0.19%
88	INVESCO S&P 500 LOW VOLATILITY ETF	IVZ	7,233	$454,305	0.18%
89	ISHARES CORE MSCI EAFE ETF	46432F842	6,697	$452,041	0.18%
90	DIMENSIONAL INTERNATIONAL CORE EQUITY MARKET ETF	25434V203	16,092	$439,633	0.18%
91	CATERPILLAR INC COM	CAT	1,774	$436,461	0.18%
92	ISHARES S&P 500 VALUE ETF	464287408	2,693	$434,085	0.17%
93	BLACKSTONE INC COM	BX	4,487	$417,156	0.17%
94	INVESCO BULLETSHARES 2031 MUNICIPAL BOND ETF	IVZ	19,704	$416,641	0.17%
95	INVESCO BULLETSHARES 2031 CORPORATE BOND ETF	IVZ	25,252	$403,156	0.16%
96	SPDR NUVEEN BLOOMBERG HIGH YIELD MUNICIPAL BOND ETF	78464A284	15,788	$394,858	0.16%
97	ISHARES IBONDS DEC 2032 TERM CORPORATE ETF	46436E312	15,841	$390,005	0.16%
98	NETFLIX INC COM	NFLX	846	$372,655	0.15%
99	ISHARES MSCI EAFE ETF	464287465	5,055	$366,488	0.15%
100	DISNEY WALT CO COM	254687106	4,060	$362,437	0.15%
101	ISHARES S&P 500 GROWTH ETF	464287309	5,122	$360,999	0.14%
102	INVESCO QQQ TRUST SERIES I	IVZ	974	$359,985	0.14%
103	ADOBE SYSTEMS INCORPORATED COM	ADBE	734	$358,919	0.14%
104	ACCENTURE PLC IRELAND SHS CLASS A	ACN	1,150	$354,867	0.14%
105	BOEING CO COM	BA-PA	1,674	$353,507	0.14%
106	MERCK & CO INC COM	MRK	2,949	$340,285	0.14%
107	ISHARES MSCI GLOBAL ENERGY PRODUCERS ETF	464286343	14,261	$330,285	0.13%
108	YUM BRANDS INC COM	YUM	2,325	$322,129	0.13%
109	ISHARES COHEN & STEERS REIT ETF	464287564	5,729	$318,361	0.13%
110	STARBUCKS CORP COM	SBUX	3,188	$315,826	0.13%
111	BRISTOL-MYERS SQUIBB CO COM	CELG-RI	4,833	$309,070	0.12%
112	BLACKROCK INC COM	BLK	438	$303,024	0.12%
113	AVANTIS U.S. LARGE CAP VALUE ETF	025072349	5,672	$302,601	0.12%
114	ISHARES CORE S&P MID-CAP ETF	464287507	1,143	$298,778	0.12%
115	ISHARES CORE TOTAL USD BOND MARKET ETF	46434V613	6,541	$297,419	0.12%
116	DIMENSIONAL US LARGE CAP VALUE ETF	25434V666	11,601	$294,665	0.12%
117	COSTCO WHSL CORP NEW COM	22160K105	544	$293,137	0.12%
118	JPMORGAN INFLATION MANAGED BOND ETF	46654Q104	6,322	$291,934	0.12%
119	ISHARES TIPS BOND ETF	464287176	2,653	$285,553	0.11%
120	DIMENSIONAL US CORE EQUITY MARKET ETF	25434V104	9,153	$283,651	0.11%
121	PGIM GLOBAL HIGH YIELD FD FORM COM	69346J106	25,764	$282,631	0.11%
122	SPDR BLOOMBERG SHORT TERM HIGH YIELD BOND ETF	78468R408	11,442	$282,617	0.11%
123	JPMORGAN SHORT DURATION CORE PLUS ETF	46641Q274	6,160	$282,128	0.11%
124	PROCTER AND GAMBLE CO COM	742718109	1,840	$279,237	0.11%
125	REGENERON PHARMACEUTICALS COM	REGN	384	$275,919	0.11%
126	SCHWAB INTERNATIONAL SMALL-CAP EQUITY ETF	808524888	8,118	$274,137	0.11%
127	ENERGY SELECT SECTOR SPDR FUND	81369Y506	3,195	$259,329	0.10%
128	INTUIT COM	INTU	562	$257,503	0.10%
129	ADVANCED MICRO DEVICES INC COM	AMD	2,243	$255,500	0.10%
130	YUM CHINA HLDGS INC COM	YUMC	4,493	$253,855	0.10%
131	INTERNATIONAL BUSINESS MACHS COM	INTR	1,778	$237,900	0.10%
132	TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS	874039100	2,284	$230,501	0.09%
133	FEDEX CORP COM	FDX	924	$229,060	0.09%
134	SALESFORCE INC COM	CRM	994	$209,992	0.08%
135	VANGUARD INTERNATIONAL HIGH DIVIDEND YIELD ETF	921946794	3,278	$207,170	0.08%
136	INVESCO BULLETSHARES 2030 MUNICIPAL BOND ETF	IVZ	9,381	$206,056	0.08%
137	INVESCO BULLETSHARES 2030 CORPORATE BOND ETF	IVZ	12,500	$202,500	0.08%
138	NUVEEN CALIFORNIA AMT QLT MUN COM	NU	14,354	$165,645	0.07%
139	IMMUNOPRECISE ANTIBODIES LTD COM NEW	45257F200	26,808	$79,352	0.03%