13F HOLDINGS REPORT

Gradient Capital Advisors, LLC

Quarter ended Q4 2023 · Filed October 25, 2023 · Accession 0001727917-23-000008

Total Value

$239.2M

Positions

136

Other Managers

Confidential Omitted

View on SEC.gov

Holdings (136)

#	Issuer	Ticker / CUSIP	Shares	Value	% of Filing
1	ISHARES CORE S&P 500 ETF	464287200	56,040	$24.1M	10.06%
2	APPLE INC COM	AAPL	98,588	$16.9M	7.06%
3	SCHWAB INTERNATIONAL EQUITY ETF	808524805	269,425	$9.1M	3.83%
4	SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF	78463X889	284,421	$8.8M	3.69%
5	TESLA INC COM	TSLA	29,288	$7.3M	3.06%
6	VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF	922020805	149,542	$7.1M	2.96%
7	JPMORGAN ULTRA-SHORT INCOME ETF	46641Q837	140,751	$7.1M	2.95%
8	VANGUARD SHORT-TERM CORPORATE BOND ETF	92206C409	93,019	$7.0M	2.92%
9	SCHWAB U.S. MID-CAP ETF	808524508	99,723	$6.7M	2.82%
10	DIMENSIONAL U.S. TARGETED VALUE ETF	25434V609	139,771	$6.4M	2.67%
11	SCHWAB U.S. LARGE-CAP ETF	808524201	115,459	$5.8M	2.44%
12	VANGUARD S&P 500 ETF	922908363	13,455	$5.3M	2.21%
13	MICROSOFT CORP COM	MSFT	14,722	$4.6M	1.94%
14	DIMENSIONAL US MARKETWIDE VALUE ETF	25434V724	134,878	$4.6M	1.92%
15	VANGUARD FTSE DEVELOPED MARKETS ETF	921943858	90,799	$4.0M	1.66%
16	VANGUARD LARGE-CAP ETF	922908637	19,973	$3.9M	1.63%
17	JPMORGAN CHASE & CO COM	VYLD	25,375	$3.7M	1.54%
18	DIMENSIONAL EMERGING MARKETS CORE EQUITY 2 ETF	25434V732	156,701	$3.7M	1.53%
19	DIMENSIONAL SHORT-DURATION FIXED INCOME ETF	25434V864	77,814	$3.6M	1.51%
20	VANGUARD TOTAL INTERNATIONAL STOCK ETF	921909768	66,409	$3.6M	1.49%
21	VANGUARD MID-CAP ETF	922908629	15,321	$3.2M	1.33%
22	DIMENSIONAL US REAL ESTATE ETF	25434V823	158,403	$3.1M	1.29%
23	VANGUARD GROWTH ETF	922908736	11,211	$3.1M	1.28%
24	VANGUARD SMALL-CAP ETF	922908751	14,722	$2.8M	1.16%
25	ISHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF	464288646	51,345	$2.6M	1.07%
26	ALPHABET INC CAP STK CL A	GOOG	19,240	$2.5M	1.05%
27	VANGUARD GLOBAL EX-U.S. REAL ESTATE ETF	922042676	64,611	$2.5M	1.05%
28	BERKSHIRE HATHAWAY INC DEL CL B NEW	BRK-A	6,959	$2.4M	1.02%
29	SCHWAB US DIVIDEND EQUITY ETF	808524797	30,212	$2.1M	0.89%
30	DIMENSIONAL WORLD EX U.S. CORE EQUITY 2 ETF	25434V880	91,937	$2.1M	0.87%
31	CHEVRON CORP NEW COM	CVX	11,717	$2.0M	0.83%
32	WP CAREY INC COM	92936U109	33,981	$1.8M	0.77%
33	DIMENSIONAL INTERNATIONAL SMALL CAP VALUE ETF	25434V781	71,591	$1.7M	0.71%
34	META PLATFORMS INC CL A	META	5,507	$1.7M	0.69%
35	LAM RESEARCH CORP COM	LRCX	2,633	$1.7M	0.69%
36	VANGUARD SMALL CAP VALUE ETF	922908611	9,658	$1.5M	0.64%
37	DIMENSIONAL US SMALL CAP VALUE ETF	25434V815	59,471	$1.5M	0.63%
38	DIMENSIONAL EMERGING CORE EQUITY MARKET ETF	25434V302	64,352	$1.5M	0.61%
39	VANGUARD FTSE ALL-WORLD EX-US INDEX FUND	922042775	27,583	$1.4M	0.60%
40	JOHNSON & JOHNSON COM	JNJ	8,759	$1.4M	0.57%
41	VANGUARD REAL ESTATE ETF	922908553	17,514	$1.3M	0.55%
42	SCHWAB U.S. BROAD MARKET ETF	808524102	26,134	$1.3M	0.54%
43	NVIDIA CORPORATION COM	NVDA	2,912	$1.3M	0.53%
44	AMAZON COM INC COM	AMZN	9,895	$1.3M	0.53%
45	AVANTIS INTERNATIONAL SMALL CAP VALUE ETF	025072802	21,137	$1.2M	0.51%
46	SPDR GOLD MINISHARES TRUST	GLDW	30,878	$1.1M	0.47%
47	QUALCOMM INC COM	QCOM	10,053	$1.1M	0.47%
48	SCHWAB U.S. LARGE-CAP VALUE ETF	808524409	16,886	$1.1M	0.46%
49	VANGUARD SHORT-TERM BOND ETF	921937827	14,026	$1.1M	0.44%
50	JPMORGAN ULTRA-SHORT MUNICIPAL INCOME ETF	46641Q654	20,415	$1.0M	0.43%
51	VANGUARD TOTAL STOCK MARKET ETF	922908769	4,770	$1.0M	0.42%
52	AVANTIS U.S. SMALL CAP VALUE ETF	025072877	12,723	$991,758	0.41%
53	AMGEN INC COM	AMGN	3,583	$962,968	0.40%
54	VANGUARD VALUE ETF	922908744	6,893	$950,776	0.40%
55	SCHWAB U.S. SMALL-CAP ETF	808524607	22,561	$934,472	0.39%
56	VANGUARD ULTRA-SHORT BOND ETF	92203C303	18,830	$926,248	0.39%
57	SPDR GOLD SHARES	GLD	5,371	$920,858	0.38%
58	VANGUARD DIVIDEND APPRECIATION ETF	921908844	5,866	$911,396	0.38%
59	ISHARES RUSSELL 2000 ETF	464287655	5,142	$908,797	0.38%
60	SCHWAB US AGGREGATE BOND ETF	808524839	20,464	$905,118	0.38%
61	VANGUARD FTSE EMERGING MARKETS ETF	922042858	21,986	$862,065	0.36%
62	CONSUMER STAPLES SELECT SECTOR SPDR FUND	81369Y308	12,483	$858,937	0.36%
63	SCHWAB U.S. REIT ETF	808524847	48,369	$858,550	0.36%
64	VANGUARD HEALTH CARE ETF	92204A504	3,517	$826,830	0.35%
65	BROADCOM INC COM	AVGO	986	$819,256	0.34%
66	LOCKHEED MARTIN CORP COM	LMT	1,921	$785,745	0.33%
67	LULULEMON ATHLETICA INC COM	LULU	2,002	$771,991	0.32%
68	HOME DEPOT INC COM	HD	2,478	$748,699	0.31%
69	ADVANCED MICRO DEVICES INC COM	AMD	6,811	$700,307	0.29%
70	BANK AMERICA CORP COM	060505104	24,742	$677,433	0.28%
71	PFIZER INC COM	PFE	19,253	$638,634	0.27%
72	ISHARES CORE S&P SMALL CAP ETF	464287804	6,617	$624,186	0.26%
73	INTEL CORP COM	INTC	17,085	$607,376	0.25%
74	CISCO SYS INC COM	CSCO	11,185	$601,320	0.25%
75	SPDR PORTFOLIO SHORT TERM CORPORATE BOND ETF	78464A474	20,251	$593,756	0.25%
76	VANGUARD HIGH DIVIDEND YIELD INDEX ETF	921946406	5,625	$581,126	0.24%
77	SCHWAB US TIPS ETF	808524870	11,226	$566,801	0.24%
78	SPDR S&P 500 ETF TRUST	SPY	1,289	$551,022	0.23%
79	VISA INC COM CL A	V	2,379	$547,104	0.23%
80	ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF	464287242	5,290	$539,735	0.23%
81	DIMENSIONAL INTERNATIONAL CORE EQUITY 2 ETF	25434V799	22,962	$536,163	0.22%
82	DIMENSIONAL U.S. CORE EQUITY 2 ETF	25434V708	19,911	$521,658	0.22%
83	ALPHABET INC CAP STK CL C	GOOG	3,844	$506,831	0.21%
84	ISHARES CORE U.S. AGGREGATE BOND ETF	464287226	5,140	$483,366	0.20%
85	BLACKSTONE INC COM	BX	4,487	$480,737	0.20%
86	CATERPILLAR INC COM	CAT	1,715	$468,235	0.20%
87	WISDOMTREE U.S. TOTAL DIVIDEND FUND	WT	7,686	$462,467	0.19%
88	EXXON MOBIL CORP COM	XOM	3,785	$445,020	0.19%
89	ISHARES CORE MSCI EAFE ETF	46432F842	6,697	$430,945	0.18%
90	DIMENSIONAL US LARGE CAP VALUE ETF	25434V666	17,367	$430,875	0.18%
91	SCHWAB EMERGING MARKETS EQUITY ETF	808524706	17,933	$429,319	0.18%
92	INVESCO S&P 500 LOW VOLATILITY ETF	IVZ	7,188	$422,583	0.18%
93	DIMENSIONAL INTERNATIONAL CORE EQUITY MARKET ETF	25434V203	16,092	$420,162	0.18%
94	ISHARES S&P 500 VALUE ETF	464287408	2,693	$414,291	0.17%
95	INVESCO BULLETSHARES 2031 MUNICIPAL BOND ETF	IVZ	19,704	$394,259	0.16%
96	INVESCO BULLETSHARES 2031 CORPORATE BOND ETF	IVZ	25,252	$385,093	0.16%
97	ADOBE INC COM	ADBE	741	$377,836	0.16%
98	ISHARES IBONDS DEC 2032 TERM CORPORATE ETF	46436E312	15,841	$371,947	0.16%
99	ISHARES MSCI GLOBAL ENERGY PRODUCERS ETF	464286343	14,261	$367,791	0.15%
100	DIMENSIONAL U.S. EQUITY ETF	25434V401	7,844	$365,138	0.15%
101	ACCENTURE PLC IRELAND SHS CLASS A	ACN	1,161	$356,555	0.15%
102	ISHARES S&P 500 GROWTH ETF	464287309	5,122	$350,447	0.15%
103	INVESCO QQQ TRUST SERIES I	IVZ	974	$349,132	0.15%
104	ISHARES MSCI EAFE ETF	464287465	5,055	$348,391	0.15%
105	BOEING CO COM	BA-PA	1,715	$328,754	0.14%
106	NETFLIX INC COM	NFLX	855	$322,848	0.13%
107	REGENERON PHARMACEUTICALS COM	REGN	384	$316,017	0.13%
108	DISNEY WALT CO COM	254687106	3,864	$313,179	0.13%
109	STARBUCKS CORP COM	SBUX	3,409	$311,151	0.13%
110	MERCK & CO INC COM	MRK	3,017	$310,557	0.13%
111	COSTCO WHSL CORP NEW COM	22160K105	533	$300,852	0.13%
112	INTUIT COM	INTU	569	$290,725	0.12%
113	YUM BRANDS INC COM	YUM	2,325	$290,486	0.12%
114	ENERGY SELECT SECTOR SPDR FUND	81369Y506	3,197	$288,938	0.12%
115	ISHARES COHEN & STEERS REIT ETF	464287564	5,729	$287,367	0.12%
116	JPMORGAN INFLATION MANAGED BOND ETF	46654Q104	6,341	$286,610	0.12%
117	ISHARES CORE S&P MID-CAP ETF	464287507	1,143	$284,917	0.12%
118	AVANTIS U.S. LARGE CAP VALUE ETF	025072349	5,395	$284,209	0.12%
119	BLACKROCK INC COM	BLK	439	$283,593	0.12%
120	SPDR BLOOMBERG SHORT TERM HIGH YIELD BOND ETF	78468R408	11,442	$279,871	0.12%
121	PGIM GLOBAL HIGH YIELD FD FORM COM	69346J106	25,764	$277,736	0.12%
122	PROCTER AND GAMBLE CO COM	742718109	1,900	$277,191	0.12%
123	SCHWAB INTERNATIONAL SMALL-CAP EQUITY ETF	808524888	7,999	$257,960	0.11%
124	SPDR PORTFOLIO S&P 1500 COMPOSITE STOCK MARKET ETF	78464A805	4,897	$257,039	0.11%
125	ISHARES TIPS BOND ETF	464287176	2,441	$253,165	0.11%
126	BRISTOL-MYERS SQUIBB CO COM	CELG-RI	4,345	$252,184	0.11%
127	YUM CHINA HLDGS INC COM	YUMC	4,493	$250,350	0.10%
128	INTERNATIONAL BUSINESS MACHS COM	INTR	1,783	$250,183	0.10%
129	FEDEX CORP COM	FDX	924	$244,786	0.10%
130	SALESFORCE INC COM	CRM	1,190	$241,308	0.10%
131	TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS	874039100	2,569	$223,246	0.09%
132	DIMENSIONAL US CORE EQUITY MARKET ETF	25434V104	7,199	$215,610	0.09%
133	VANGUARD INTERNATIONAL HIGH DIVIDEND YIELD ETF	921946794	3,278	$202,875	0.08%
134	INVESCO BULLETSHARES 2030 CORPORATE BOND ETF	IVZ	12,500	$194,750	0.08%
135	INVESCO OPTIMUM YIELD DIVERSIFIED COMMODITY STRATEGY NO K-1 ETF	IVZ	10,292	$153,865	0.06%
136	IMMUNOPRECISE ANTIBODIES LTD COM NEW	45257F200	26,808	$49,059	0.02%