13F HOLDINGS REPORT

Gradient Capital Advisors, LLC

Quarter ended Q2 2024 · Filed July 22, 2024 · Accession 0001727917-24-000006

Total Value

$279.8M

Positions

140

Other Managers

Confidential Omitted

View on SEC.gov

Holdings (140)

#	Issuer	Ticker / CUSIP	Shares	Value	% of Filing
1	ISHARES CORE S&P 500 ETF	464287200	50,190	$27.5M	9.82%
2	APPLE INC COM	AAPL	85,372	$18.0M	6.43%
3	VANGUARD SHORT-TERM CORPORATE BOND ETF	92206C409	141,924	$11.0M	3.92%
4	SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF	78463X889	291,816	$10.2M	3.66%
5	SCHWAB INTERNATIONAL EQUITY ETF	808524805	245,528	$9.4M	3.37%
6	SCHWAB U.S. MID-CAP ETF	808524508	100,372	$7.8M	2.79%
7	DIMENSIONAL U.S. TARGETED VALUE ETF	25434V609	136,801	$7.1M	2.54%
8	VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF	922020805	139,801	$6.8M	2.43%
9	MICROSOFT CORP COM	MSFT	15,122	$6.8M	2.42%
10	JPMORGAN ULTRA-SHORT INCOME ETF	46641Q837	131,910	$6.7M	2.38%
11	SCHWAB U.S. LARGE-CAP ETF	808524201	101,509	$6.5M	2.33%
12	DIMENSIONAL SHORT-DURATION FIXED INCOME ETF	25434V864	119,215	$5.6M	2.00%
13	JPMORGAN CHASE & CO. COM	VYLD	25,475	$5.2M	1.84%
14	DIMENSIONAL US MARKETWIDE VALUE ETF	25434V724	129,565	$5.1M	1.82%
15	DIMENSIONAL EMERGING MARKETS CORE EQUITY 2 ETF	25434V732	186,600	$5.0M	1.78%
16	TESLA INC COM	TSLA	24,914	$4.9M	1.76%
17	VANGUARD LARGE-CAP ETF	922908637	19,464	$4.9M	1.74%
18	VANGUARD FTSE DEVELOPED MARKETS ETF	921943858	94,410	$4.7M	1.67%
19	VANGUARD S&P 500 ETF	922908363	8,651	$4.3M	1.55%
20	ALPHABET INC CAP STK CL A	GOOG	22,759	$4.1M	1.48%
21	VANGUARD GROWTH ETF	922908736	10,938	$4.1M	1.46%
22	VANGUARD TOTAL INTERNATIONAL STOCK ETF	921909768	64,783	$3.9M	1.40%
23	DIMENSIONAL US REAL ESTATE ETF	25434V823	171,103	$3.8M	1.35%
24	NVIDIA CORPORATION COM	NVDA	29,261	$3.6M	1.29%
25	VANGUARD MID-CAP ETF	922908629	14,825	$3.6M	1.28%
26	BERKSHIRE HATHAWAY INC DEL CL B NEW	BRK-A	8,102	$3.3M	1.18%
27	SCHWAB US DIVIDEND EQUITY ETF	808524797	41,763	$3.2M	1.16%
28	META PLATFORMS INC CL A	META	6,326	$3.2M	1.14%
29	ISHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF	464288646	59,091	$3.0M	1.08%
30	VANGUARD SMALL-CAP ETF	922908751	13,576	$3.0M	1.06%
31	DIMENSIONAL WORLD EX U.S. CORE EQUITY 2 ETF	25434V880	110,637	$2.8M	1.01%
32	LAM RESEARCH CORP COM	LRCX	2,431	$2.6M	0.92%
33	VANGUARD GLOBAL EX-U.S. REAL ESTATE ETF	922042676	62,686	$2.5M	0.91%
34	DIMENSIONAL US SMALL CAP VALUE ETF	25434V815	70,953	$2.0M	0.73%
35	DIMENSIONAL INTERNATIONAL SMALL CAP VALUE ETF	25434V781	74,721	$2.0M	0.72%
36	QUALCOMM INC COM	QCOM	9,129	$1.8M	0.65%
37	CHEVRON CORP NEW COM	CVX	11,542	$1.8M	0.65%
38	WP CAREY INC COM	92936U109	32,656	$1.8M	0.64%
39	AMAZON COM INC COM	AMZN	8,970	$1.7M	0.62%
40	BROADCOM INC COM	AVGO	1,075	$1.7M	0.62%
41	DIMENSIONAL EMERGING CORE EQUITY MARKET ETF	25434V302	65,187	$1.7M	0.60%
42	SCHWAB U.S. BROAD MARKET ETF	808524102	25,934	$1.6M	0.58%
43	ADVANCED MICRO DEVICES INC COM	AMD	9,667	$1.6M	0.56%
44	VANGUARD SMALL CAP VALUE ETF	922908611	8,353	$1.5M	0.54%
45	SPDR GOLD MINISHARES TRUST	GLDW	32,968	$1.5M	0.54%
46	VANGUARD VALUE ETF	922908744	9,418	$1.5M	0.54%
47	VANGUARD REAL ESTATE ETF	922908553	17,271	$1.4M	0.52%
48	AVANTIS INTERNATIONAL SMALL CAP VALUE ETF	025072802	21,179	$1.4M	0.49%
49	DIMENSIONAL US LARGE CAP VALUE ETF	25434V666	44,640	$1.3M	0.46%
50	VANGUARD TOTAL STOCK MARKET ETF	922908769	4,650	$1.2M	0.44%
51	SPDR GOLD SHARES	GLD	5,697	$1.2M	0.44%
52	VANGUARD FTSE ALL-WORLD EX-US INDEX FUND	922042775	20,352	$1.2M	0.43%
53	SCHWAB U.S. LARGE-CAP VALUE ETF	808524409	15,577	$1.2M	0.41%
54	AMGEN INC COM	AMGN	3,569	$1.1M	0.40%
55	ISHARES RUSSELL 2000 ETF	464287655	5,316	$1.1M	0.39%
56	SCHWAB U.S. SMALL-CAP ETF	808524607	22,384	$1.1M	0.38%
57	VANGUARD DIVIDEND APPRECIATION ETF	921908844	5,733	$1.0M	0.37%
58	AVANTIS U.S. SMALL CAP VALUE ETF	025072877	11,489	$1.0M	0.37%
59	VANGUARD SHORT-TERM BOND ETF	921937827	13,204	$1.0M	0.36%
60	LOCKHEED MARTIN CORP COM	LMT	2,006	$936,997	0.33%
61	JOHNSON & JOHNSON COM	JNJ	6,349	$927,972	0.33%
62	SCHWAB US AGGREGATE BOND ETF	808524839	19,992	$911,245	0.33%
63	SCHWAB U.S. REIT ETF	808524847	45,068	$900,003	0.32%
64	BANK AMERICA CORP COM	060505104	22,533	$896,119	0.32%
65	HOME DEPOT INC COM	HD	2,522	$868,122	0.31%
66	CONSUMER STAPLES SELECT SECTOR SPDR FUND	81369Y308	11,228	$859,804	0.31%
67	VANGUARD FTSE EMERGING MARKETS ETF	922042858	19,645	$859,672	0.31%
68	VANGUARD HEALTH CARE ETF	92204A504	3,218	$855,937	0.31%
69	CISCO SYS INC COM	CSCO	17,429	$828,073	0.30%
70	VANGUARD ULTRA-SHORT BOND ETF	92203C303	15,887	$786,724	0.28%
71	ISHARES IBONDS DEC 2031 TERM CORPORATE ETF	46436E486	34,642	$702,886	0.25%
72	ISHARES CORE S&P SMALL CAP ETF	464287804	6,397	$682,322	0.24%
73	JPMORGAN ULTRA-SHORT MUNICIPAL INCOME ETF	46641Q654	13,256	$672,676	0.24%
74	DIMENSIONAL U.S. CORE EQUITY 2 ETF	25434V708	20,634	$665,256	0.24%
75	VANGUARD HIGH DIVIDEND YIELD INDEX ETF	921946406	5,598	$663,963	0.24%
76	ALPHABET INC CAP STK CL C	GOOG	3,561	$653,108	0.23%
77	SPDR S&P 500 ETF TRUST	SPY	1,178	$640,984	0.23%
78	ISHARES IBONDS DEC 2032 TERM CORPORATE ETF	46436E312	26,040	$639,531	0.23%
79	VISA INC COM CL A	V	2,403	$630,664	0.23%
80	PFIZER INC COM	PFE	22,464	$628,536	0.22%
81	TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS	874039100	3,575	$621,371	0.22%
82	DIMENSIONAL INTERNATIONAL CORE EQUITY 2 ETF	25434V799	22,962	$603,671	0.22%
83	SCHWAB US TIPS ETF	808524870	11,222	$583,656	0.21%
84	SPDR PORTFOLIO SHORT TERM CORPORATE BOND ETF	78464A474	19,294	$573,028	0.20%
85	BLACKSTONE INC COM	BX	4,487	$555,491	0.20%
86	ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF	464287242	5,062	$542,247	0.19%
87	ISHARES IBONDS DEC 2030 TERM CORPORATE ETF	46436E726	24,339	$517,447	0.18%
88	ISHARES S&P 500 GROWTH ETF	464287309	5,486	$507,674	0.18%
89	ISHARES S&P 500 VALUE ETF	464287408	2,759	$502,145	0.18%
90	ISHARES CORE U.S. AGGREGATE BOND ETF	464287226	5,140	$498,940	0.18%
91	NETFLIX INC COM	NFLX	730	$492,662	0.18%
92	INVESCO QQQ TRUST SERIES I	IVZ	1,005	$481,602	0.17%
93	DIMENSIONAL INTERNATIONAL CORE EQUITY MARKET ETF	25434V203	16,092	$477,450	0.17%
94	ISHARES CORE MSCI EAFE ETF	46432F842	6,368	$462,564	0.17%
95	CATERPILLAR INC COM	CAT	1,375	$457,978	0.16%
96	EXXON MOBIL CORP COM	XOM	3,871	$445,607	0.16%
97	COSTCO WHSL CORP NEW COM	22160K105	520	$441,671	0.16%
98	LULULEMON ATHLETICA INC COM	LULU	1,460	$436,102	0.16%
99	INVESCO BULLETSHARES 2031 MUNICIPAL BOND ETF	IVZ	19,704	$412,996	0.15%
100	SCHWAB EMERGING MARKETS EQUITY ETF	808524706	15,272	$405,635	0.14%
101	REGENERON PHARMACEUTICALS COM	REGN	384	$403,596	0.14%
102	INTEL CORP COM	INTC	13,016	$403,111	0.14%
103	ADOBE INC COM	ADBE	721	$400,544	0.14%
104	INVESCO S&P 500 LOW VOLATILITY ETF	IVZ	6,138	$398,663	0.14%
105	ISHARES MSCI EAFE ETF	464287465	4,885	$382,642	0.14%
106	ISHARES MSCI GLOBAL ENERGY PRODUCERS ETF	464286343	14,640	$380,338	0.14%
107	DISNEY WALT CO COM	254687106	3,795	$376,838	0.13%
108	INTUIT COM	INTU	558	$366,723	0.13%
109	ACCENTURE PLC IRELAND SHS CLASS A	ACN	1,161	$352,259	0.13%
110	WISDOMTREE U.S. TOTAL DIVIDEND FUND	WT	4,934	$349,480	0.12%
111	MERCK & CO INC COM	MRK	2,812	$348,126	0.12%
112	ISHARES CORE S&P MID-CAP ETF	464287507	5,713	$334,304	0.12%
113	DIMENSIONAL U.S. EQUITY ETF	25434V401	5,527	$325,264	0.12%
114	SPDR PORTFOLIO S&P 1500 COMPOSITE STOCK MARKET ETF	78464A805	4,752	$315,289	0.11%
115	INTERNATIONAL BUSINESS MACHS COM	INTR	1,823	$315,267	0.11%
116	ENERGY SELECT SECTOR SPDR FUND	81369Y506	3,431	$312,706	0.11%
117	SALESFORCE INC COM	CRM	1,201	$308,796	0.11%
118	YUM BRANDS INC COM	YUM	2,325	$307,970	0.11%
119	PGIM GLOBAL HIGH YIELD FD FORM COM	69346J106	25,764	$306,076	0.11%
120	BLACKROCK INC COM	BLK	385	$303,296	0.11%
121	ISHARES IBONDS DEC 2029 TERM CORPORATE ETF	46436E205	12,911	$292,692	0.10%
122	BOEING CO COM	BA-PA	1,585	$288,518	0.10%
123	PROCTER AND GAMBLE CO COM	742718109	1,741	$287,101	0.10%
124	AVANTIS U.S. LARGE CAP VALUE ETF	025072349	4,516	$283,785	0.10%
125	ISHARES IBONDS DEC 2026 TERM CORPORATE ETF	46435GAA0	11,834	$281,886	0.10%
126	SPDR BLOOMBERG SHORT TERM HIGH YIELD BOND ETF	78468R408	11,241	$280,688	0.10%
127	FEDEX CORP COM	FDX	924	$277,052	0.10%
128	ISHARES U.S. TECHNOLOGY ETF	464287721	1,760	$264,880	0.09%
129	STARBUCKS CORP COM	SBUX	3,359	$261,517	0.09%
130	WELLS FARGO CO NEW COM	949746101	4,260	$252,979	0.09%
131	PALO ALTO NETWORKS INC COM	PANW	710	$240,697	0.09%
132	ISHARES COHEN & STEERS REIT ETF	464287564	4,120	$236,035	0.08%
133	VANGUARD INTERNATIONAL HIGH DIVIDEND YIELD ETF	921946794	3,410	$233,687	0.08%
134	ABBVIE INC COM	ABBV	1,323	$226,986	0.08%
135	ISHARES IBONDS DEC 2027 TERM CORPORATE ETF	46435UAA9	9,546	$226,527	0.08%
136	ISHARES TIPS BOND ETF	464287176	2,119	$226,264	0.08%
137	FINANCIAL SELECT SECTOR SPDR FUND	81369Y605	5,197	$213,665	0.08%
138	SPDR BLOOMBERG 3-12 MONTH T-BILL ETF	78468R523	2,084	$207,087	0.07%
139	INVESCO BULLETSHARES 2030 MUNICIPAL BOND ETF	IVZ	9,381	$204,240	0.07%
140	IMMUNOPRECISE ANTIBODIES LTD COM NEW	45257F200	26,808	$27,076	0.01%