13F HOLDINGS REPORT

Gradient Capital Advisors, LLC

Quarter ended Q1 2024 · Filed April 17, 2024 · Accession 0001727917-24-000004

Total Value

$272.4M

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	52,158	$27.4M	10.07%
2	APPLE INC COM	AAPL	88,721	$15.2M	5.59%
3	SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF	78463X889	290,634	$10.4M	3.82%
4	SCHWAB INTERNATIONAL EQUITY ETF	808524805	257,361	$10.0M	3.69%
5	VANGUARD SHORT-TERM CORPORATE BOND ETF	92206C409	128,585	$9.9M	3.65%
6	SCHWAB U.S. MID-CAP ETF	808524508	98,798	$8.0M	2.95%
7	DIMENSIONAL U.S. TARGETED VALUE ETF	25434V609	139,360	$7.6M	2.78%
8	JPMORGAN ULTRA-SHORT INCOME ETF ULTRA SHORT INCOME FUND	46641Q837	133,434	$6.7M	2.47%
9	VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF	922020805	135,979	$6.5M	2.39%
10	SCHWAB U.S. LARGE-CAP ETF	808524201	104,081	$6.5M	2.37%
11	MICROSOFT CORP COM	MSFT	15,272	$6.4M	2.36%
12	DIMENSIONAL US MARKETWIDE VALUE ETF	25434V724	130,352	$5.3M	1.96%
13	JPMORGAN CHASE & CO COM	VYLD	25,167	$5.0M	1.85%
14	VANGUARD S&P 500 ETF	922908363	9,979	$4.8M	1.76%
15	VANGUARD LARGE-CAP ETF	922908637	19,781	$4.7M	1.74%
16	VANGUARD FTSE DEVELOPED MARKETS ETF	921943858	92,976	$4.7M	1.71%
17	DIMENSIONAL EMERGING MARKETS CORE EQUITY 2 ETF	25434V732	179,592	$4.6M	1.68%
18	TESLA INC COM	TSLA	25,924	$4.6M	1.67%
19	DIMENSIONAL SHORT-DURATION FIXED INCOME ETF	25434V864	91,703	$4.3M	1.58%
20	VANGUARD TOTAL INTERNATIONAL STOCK ETF	921909768	66,721	$4.0M	1.48%
21	VANGUARD GROWTH ETF	922908736	11,008	$3.8M	1.39%
22	DIMENSIONAL US REAL ESTATE ETF	25434V823	165,466	$3.7M	1.36%
23	VANGUARD MID-CAP ETF	922908629	14,735	$3.7M	1.35%
24	VANGUARD SMALL-CAP ETF	922908751	14,735	$3.4M	1.24%
25	BERKSHIRE HATHAWAY INC DEL CL B NEW	BRK-A	7,972	$3.4M	1.23%
26	ALPHABET INC CAP STK CL A	GOOG	21,245	$3.2M	1.18%
27	SCHWAB US DIVIDEND EQUITY ETF	808524797	39,552	$3.2M	1.17%
28	META PLATFORMS INC CL A	META	6,125	$3.0M	1.09%
29	DIMENSIONAL WORLD EX U.S. CORE EQUITY 2 ETF	25434V880	107,004	$2.7M	1.00%
30	VANGUARD GLOBAL EX-U.S. REAL ESTATE ETF	922042676	61,204	$2.6M	0.95%
31	ISHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF	464288646	48,296	$2.5M	0.91%
32	NVIDIA CORPORATION COM	NVDA	2,730	$2.5M	0.91%
33	LAM RESEARCH CORP COM	LRCX	2,471	$2.4M	0.88%
34	DIMENSIONAL INTERNATIONAL SMALL CAP VALUE ETF	25434V781	73,005	$2.0M	0.73%
35	DIMENSIONAL US SMALL CAP VALUE ETF	25434V815	62,399	$1.9M	0.69%
36	WP CAREY INC COM	92936U109	32,894	$1.9M	0.68%
37	CHEVRON CORP NEW COM	CVX	11,569	$1.8M	0.67%
38	VANGUARD SMALL CAP VALUE ETF	922908611	8,646	$1.7M	0.61%
39	ADVANCED MICRO DEVICES INC COM	AMD	9,075	$1.6M	0.60%
40	AMAZON COM INC COM	AMZN	8,975	$1.6M	0.59%
41	SCHWAB U.S. BROAD MARKET ETF	808524102	26,236	$1.6M	0.59%
42	DIMENSIONAL EMERGING CORE EQUITY MARKET ETF	25434V302	64,443	$1.6M	0.58%
43	VANGUARD REAL ESTATE ETF	922908553	17,903	$1.5M	0.57%
44	QUALCOMM INC COM	QCOM	9,048	$1.5M	0.56%
45	SPDR GOLD MINISHARES TRUST	GLDW	33,233	$1.5M	0.54%
46	AVANTIS INTERNATIONAL SMALL CAP VALUE ETF	025072802	21,630	$1.4M	0.52%
47	BROADCOM INC COM	AVGO	1,022	$1.4M	0.50%
48	VANGUARD FTSE ALL-WORLD EX-US INDEX FUND	922042775	23,035	$1.4M	0.50%
49	DIMENSIONAL US LARGE CAP VALUE ETF	25434V666	41,524	$1.2M	0.46%
50	VANGUARD TOTAL STOCK MARKET ETF	922908769	4,719	$1.2M	0.45%
51	SCHWAB U.S. LARGE-CAP VALUE ETF	808524409	16,135	$1.2M	0.45%
52	JOHNSON & JOHNSON COM	JNJ	7,435	$1.2M	0.43%
53	AVANTIS U.S. SMALL CAP VALUE ETF	025072877	12,050	$1.1M	0.41%
54	VANGUARD VALUE ETF	922908744	6,866	$1.1M	0.41%
55	SCHWAB U.S. SMALL-CAP ETF	808524607	22,501	$1.1M	0.41%
56	SPDR GOLD SHARES	GLD	5,314	$1.1M	0.40%
57	ISHARES RUSSELL 2000 ETF	464287655	5,142	$1.1M	0.40%
58	VANGUARD DIVIDEND APPRECIATION ETF	921908844	5,901	$1.1M	0.40%
59	VANGUARD SHORT-TERM BOND ETF	921937827	13,268	$1.0M	0.37%
60	AMGEN INC COM	AMGN	3,560	$1.0M	0.37%
61	HOME DEPOT INC COM	HD	2,513	$963,923	0.35%
62	SCHWAB US AGGREGATE BOND ETF	808524839	20,427	$939,631	0.34%
63	CISCO SYS INC COM	CSCO	18,684	$932,496	0.34%
64	VANGUARD HEALTH CARE ETF	92204A504	3,400	$919,868	0.34%
65	CONSUMER STAPLES SELECT SECTOR SPDR FUND	81369Y308	11,950	$912,506	0.34%
66	SCHWAB U.S. REIT ETF	808524847	44,627	$905,923	0.33%
67	LOCKHEED MARTIN CORP COM	LMT	1,940	$882,534	0.32%
68	BANK AMERICA CORP COM	060505104	22,739	$862,261	0.32%
69	VANGUARD FTSE EMERGING MARKETS ETF	922042858	20,047	$837,364	0.31%
70	LULULEMON ATHLETICA INC COM	LULU	1,959	$765,283	0.28%
71	VANGUARD ULTRA-SHORT BOND ETF	92203C303	15,151	$750,732	0.28%
72	ISHARES CORE S&P SMALL CAP ETF	464287804	6,396	$706,860	0.26%
73	VANGUARD HIGH DIVIDEND YIELD INDEX ETF	921946406	5,602	$677,733	0.25%
74	ISHARES IBONDS DEC 2031 TERM CORPORATE ETF	46436E486	32,827	$672,625	0.25%
75	JPMORGAN ULTRA-SHORT MUNICIPAL INCOME ETF	46641Q654	13,256	$672,609	0.25%
76	VISA INC COM CL A	V	2,403	$670,557	0.25%
77	SPDR S&P 500 ETF TRUST	SPY	1,280	$669,357	0.25%
78	DIMENSIONAL U.S. CORE EQUITY 2 ETF	25434V708	20,753	$663,049	0.24%
79	SPDR PORTFOLIO SHORT TERM CORPORATE BOND ETF	78464A474	22,066	$656,896	0.24%
80	PFIZER INC COM	PFE	22,353	$620,296	0.23%
81	DIMENSIONAL INTERNATIONAL CORE EQUITY 2 ETF	25434V799	22,962	$614,234	0.23%
82	ISHARES IBONDS DEC 2032 TERM CORPORATE ETF	46436E312	24,083	$597,499	0.22%
83	BLACKSTONE INC COM	BX	4,487	$589,457	0.22%
84	SCHWAB US TIPS ETF	808524870	11,207	$584,557	0.21%
85	INTEL CORP COM	INTC	13,206	$583,329	0.21%
86	ALPHABET INC CAP STK CL C	GOOG	3,579	$544,939	0.20%
87	CATERPILLAR INC COM	CAT	1,483	$543,301	0.20%
88	ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF	464287242	4,751	$517,478	0.19%
89	ISHARES S&P 500 VALUE ETF	464287408	2,759	$515,330	0.19%
90	ISHARES CORE U.S. AGGREGATE BOND ETF	464287226	5,140	$503,412	0.18%
91	ISHARES CORE MSCI EAFE ETF	46432F842	6,582	$488,509	0.18%
92	DIMENSIONAL INTERNATIONAL CORE EQUITY MARKET ETF	25434V203	16,092	$486,300	0.18%
93	TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS	874039100	3,554	$483,522	0.18%
94	DISNEY WALT CO COM	254687106	3,789	$463,662	0.17%
95	NETFLIX INC COM	NFLX	760	$461,571	0.17%
96	ISHARES IBONDS DEC 2030 TERM CORPORATE ETF	46436E726	21,490	$459,886	0.17%
97	WISDOMTREE U.S. TOTAL DIVIDEND FUND	WT	6,336	$448,082	0.16%
98	INVESCO QQQ TRUST SERIES I	IVZ	1,005	$446,286	0.16%
99	EXXON MOBIL CORP COM	XOM	3,806	$442,408	0.16%
100	INVESCO S&P 500 LOW VOLATILITY ETF	IVZ	6,693	$440,868	0.16%
101	ISHARES S&P 500 GROWTH ETF	464287309	5,122	$432,502	0.16%
102	INVESCO BULLETSHARES 2031 MUNICIPAL BOND ETF	IVZ	19,704	$419,892	0.15%
103	DIMENSIONAL U.S. EQUITY ETF	25434V401	7,145	$407,122	0.15%
104	SCHWAB EMERGING MARKETS EQUITY ETF	808524706	16,122	$407,090	0.15%
105	ACCENTURE PLC IRELAND SHS CLASS A	ACN	1,161	$402,414	0.15%
106	ISHARES MSCI EAFE ETF	464287465	4,885	$390,116	0.14%
107	ISHARES MSCI GLOBAL ENERGY PRODUCERS ETF	464286343	14,400	$381,883	0.14%
108	COSTCO WHSL CORP NEW COM	22160K105	520	$380,665	0.14%
109	ADOBE INC COM	ADBE	741	$373,909	0.14%
110	MERCK & CO INC COM	MRK	2,812	$371,043	0.14%
111	REGENERON PHARMACEUTICALS COM	REGN	384	$369,596	0.14%
112	INTUIT COM	INTU	567	$368,550	0.14%
113	SALESFORCE INC COM	CRM	1,195	$359,910	0.13%
114	INTERNATIONAL BUSINESS MACHS COM	INTR	1,818	$347,189	0.13%
115	ISHARES CORE S&P MID-CAP ETF	464287507	5,713	$346,986	0.13%
116	BOEING CO COM	BA-PA	1,737	$335,247	0.12%
117	YUM BRANDS INC COM	YUM	2,325	$322,361	0.12%
118	BLACKROCK INC COM	BLK	385	$321,002	0.12%
119	SPDR PORTFOLIO S&P 1500 COMPOSITE STOCK MARKET ETF	78464A805	4,813	$308,727	0.11%
120	PGIM GLOBAL HIGH YIELD FD FORM COM	69346J106	25,764	$308,137	0.11%
121	STARBUCKS CORP COM	SBUX	3,327	$304,058	0.11%
122	ENERGY SELECT SECTOR SPDR FUND	81369Y506	3,201	$302,162	0.11%
123	AVANTIS U.S. LARGE CAP VALUE ETF	025072349	4,446	$285,700	0.10%
124	SPDR BLOOMBERG SHORT TERM HIGH YIELD BOND ETF	78468R408	11,241	$283,498	0.10%
125	PROCTER AND GAMBLE CO COM	742718109	1,741	$282,428	0.10%
126	FEDEX CORP COM	FDX	924	$267,720	0.10%
127	ISHARES IBONDS DEC 2029 TERM CORPORATE ETF	46436E205	11,171	$254,922	0.09%
128	WELLS FARGO CO NEW COM	949746101	4,244	$245,968	0.09%
129	ABBVIE INC COM	ABBV	1,322	$240,692	0.09%
130	JPMORGAN INFLATION MANAGED BOND ETF JPMORGAN INFLATION MANAGED BOND ETF	46654Q104	5,114	$239,629	0.09%
131	ISHARES TIPS BOND ETF	464287176	2,222	$238,696	0.09%
132	ISHARES COHEN & STEERS REIT ETF	464287564	4,120	$237,724	0.09%
133	ISHARES U.S. TECHNOLOGY ETF	464287721	1,760	$237,706	0.09%
134	ISHARES IBONDS DEC 2026 TERM CORPORATE ETF	46435GAA0	9,608	$229,151	0.08%
135	VANGUARD INTERNATIONAL HIGH DIVIDEND YIELD ETF	921946794	3,313	$227,934	0.08%
136	FINANCIAL SELECT SECTOR SPDR FUND	81369Y605	5,197	$218,879	0.08%
137	INVESCO BULLETSHARES 2030 MUNICIPAL BOND ETF	IVZ	9,381	$207,508	0.08%
138	INVESCO OPTIMUM YIELD DIVERSIFIED COMMODITY STRATEGY NO K-1 ETF	IVZ	14,326	$198,701	0.07%
139	IMMUNOPRECISE ANTIBODIES LTD COM NEW	45257F200	26,808	$40,748	0.01%