13F HOLDINGS REPORT

Gradient Capital Advisors, LLC

Quarter ended Q3 2024 · Filed October 16, 2024 · Accession 0001727917-24-000010

Total Value

$302.0M

Positions

148

Other Managers

Confidential Omitted

View on SEC.gov

Holdings (148)

#	Issuer	Ticker / CUSIP	Shares	Value	% of Filing
1	ISHARES CORE S&P 500 ETF	464287200	50,175	$28.9M	9.58%
2	APPLE INC COM	AAPL	81,447	$19.0M	6.28%
3	SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF	78463X889	316,043	$11.9M	3.93%
4	VANGUARD SHORT-TERM CORPORATE BOND ETF	92206C409	144,659	$11.5M	3.80%
5	SCHWAB INTERNATIONAL EQUITY ETF	808524805	244,117	$10.0M	3.32%
6	SCHWAB U.S. MID-CAP ETF	808524508	101,869	$8.5M	2.80%
7	DIMENSIONAL U.S. TARGETED VALUE ETF	25434V609	136,035	$7.6M	2.51%
8	DIMENSIONAL SHORT-DURATION FIXED INCOME ETF	25434V864	156,748	$7.5M	2.48%
9	VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF	922020805	141,893	$7.0M	2.32%
10	JPMORGAN ULTRA-SHORT INCOME ETF	46641Q837	131,954	$6.7M	2.22%
11	SCHWAB U.S. LARGE-CAP ETF	808524201	96,763	$6.6M	2.17%
12	MICROSOFT CORP COM	MSFT	14,731	$6.3M	2.10%
13	TESLA INC COM	TSLA	23,681	$6.2M	2.05%
14	DIMENSIONAL EMERGING MARKETS CORE EQUITY 2 ETF	25434V732	201,075	$5.7M	1.87%
15	DIMENSIONAL US MARKETWIDE VALUE ETF	25434V724	128,779	$5.4M	1.78%
16	JPMORGAN CHASE & CO. COM	VYLD	25,149	$5.3M	1.76%
17	VANGUARD LARGE-CAP ETF	922908637	19,464	$5.1M	1.70%
18	VANGUARD FTSE DEVELOPED MARKETS ETF	921943858	94,001	$5.0M	1.64%
19	DIMENSIONAL US REAL ESTATE ETF	25434V823	178,772	$4.6M	1.52%
20	VANGUARD S&P 500 ETF	922908363	8,071	$4.3M	1.41%
21	VANGUARD TOTAL INTERNATIONAL STOCK ETF	921909768	64,097	$4.1M	1.37%
22	VANGUARD GROWTH ETF	922908736	10,401	$4.0M	1.32%
23	VANGUARD MID-CAP ETF	922908629	14,813	$3.9M	1.29%
24	BERKSHIRE HATHAWAY INC DEL CL B NEW	BRK-A	8,250	$3.8M	1.26%
25	ALPHABET INC CAP STK CL A	GOOG	22,668	$3.8M	1.24%
26	SCHWAB US DIVIDEND EQUITY ETF	808524797	43,300	$3.7M	1.21%
27	META PLATFORMS INC CL A	META	6,153	$3.5M	1.17%
28	NVIDIA CORPORATION COM	NVDA	28,939	$3.5M	1.16%
29	ISHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF	464288646	64,354	$3.4M	1.12%
30	VANGUARD SMALL-CAP ETF	922908751	13,773	$3.3M	1.08%
31	DIMENSIONAL WORLD EX U.S. CORE EQUITY 2 ETF	25434V880	114,905	$3.1M	1.03%
32	VANGUARD GLOBAL EX-U.S. REAL ESTATE ETF	922042676	64,878	$3.0M	1.01%
33	DIMENSIONAL US SMALL CAP VALUE ETF	25434V815	93,285	$2.9M	0.95%
34	DIMENSIONAL INTERNATIONAL SMALL CAP VALUE ETF	25434V781	83,408	$2.4M	0.80%
35	VANGUARD SMALL CAP VALUE ETF	922908611	10,983	$2.2M	0.73%
36	DIMENSIONAL US LARGE CAP VALUE ETF	25434V666	65,619	$2.0M	0.67%
37	WP CAREY INC COM	92936U109	31,442	$2.0M	0.65%
38	LAM RESEARCH CORP COM NEW	LRCX	2,291	$1.9M	0.62%
39	VANGUARD VALUE ETF	922908744	10,372	$1.8M	0.60%
40	DIMENSIONAL EMERGING CORE EQUITY MARKET ETF	25434V302	65,299	$1.8M	0.59%
41	AMAZON COM INC COM	AMZN	9,420	$1.8M	0.58%
42	SCHWAB U.S. BROAD MARKET ETF	808524102	26,086	$1.7M	0.57%
43	SPDR GOLD MINISHARES TRUST	GLDW	32,959	$1.7M	0.57%
44	BROADCOM INC COM	AVGO	9,805	$1.7M	0.56%
45	VANGUARD REAL ESTATE ETF	922908553	17,272	$1.7M	0.56%
46	ISHARES RUSSELL 2000 ETF	464287655	7,550	$1.7M	0.55%
47	ADVANCED MICRO DEVICES INC COM	AMD	9,864	$1.6M	0.54%
48	CHEVRON CORP NEW COM	CVX	10,855	$1.6M	0.53%
49	QUALCOMM INC COM	QCOM	8,754	$1.5M	0.49%
50	AVANTIS INTERNATIONAL SMALL CAP VALUE ETF	025072802	20,755	$1.5M	0.49%
51	SPDR GOLD SHARES	GLD	5,701	$1.4M	0.46%
52	VANGUARD TOTAL STOCK MARKET ETF	922908769	4,388	$1.2M	0.41%
53	SCHWAB U.S. LARGE-CAP VALUE ETF	808524409	15,382	$1.2M	0.41%
54	VANGUARD FTSE ALL-WORLD EX-US INDEX FUND	922042775	19,465	$1.2M	0.41%
55	LOCKHEED MARTIN CORP COM	LMT	2,046	$1.2M	0.40%
56	AMGEN INC COM	AMGN	3,577	$1.2M	0.38%
57	VANGUARD DIVIDEND APPRECIATION ETF	921908844	5,731	$1.1M	0.38%
58	SCHWAB U.S. SMALL-CAP ETF	808524607	21,513	$1.1M	0.37%
59	AVANTIS U.S. SMALL CAP VALUE ETF	025072877	11,220	$1.1M	0.36%
60	JOHNSON & JOHNSON COM	JNJ	6,391	$1.0M	0.34%
61	SCHWAB U.S. REIT ETF	808524847	43,637	$1.0M	0.33%
62	HOME DEPOT INC COM	HD	2,471	$1.0M	0.33%
63	VANGUARD SHORT-TERM BOND ETF	921937827	12,446	$979,411	0.32%
64	VANGUARD FTSE EMERGING MARKETS ETF	922042858	19,547	$935,323	0.31%
65	CONSUMER STAPLES SELECT SECTOR SPDR FUND	81369Y308	11,229	$932,030	0.31%
66	CISCO SYS INC COM	CSCO	17,205	$915,667	0.30%
67	VANGUARD HEALTH CARE ETF	92204A504	3,224	$909,931	0.30%
68	BANK AMERICA CORP COM	060505104	22,911	$909,096	0.30%
69	SCHWAB US AGGREGATE BOND ETF	808524839	18,506	$879,389	0.29%
70	VANGUARD ULTRA-SHORT BOND ETF	92203C303	15,977	$797,891	0.26%
71	ISHARES IBONDS DEC 2032 TERM CORPORATE ETF	46436E312	30,154	$775,265	0.26%
72	DIMENSIONAL U.S. CORE EQUITY 2 ETF	25434V708	22,463	$770,243	0.26%
73	ISHARES CORE S&P SMALL CAP ETF	464287804	6,399	$748,409	0.25%
74	ISHARES IBONDS DEC 2031 TERM CORPORATE ETF	46436E486	34,642	$735,103	0.24%
75	VANGUARD HIGH DIVIDEND YIELD INDEX ETF	921946406	5,482	$702,842	0.23%
76	VISA INC COM CL A	V	2,543	$699,162	0.23%
77	BLACKSTONE INC COM	BX	4,487	$687,094	0.23%
78	SPDR S&P 500 ETF TRUST	SPY	1,156	$663,233	0.22%
79	PFIZER INC COM	PFE	22,487	$650,772	0.22%
80	DIMENSIONAL INTERNATIONAL CORE EQUITY 2 ETF	25434V799	22,962	$646,151	0.21%
81	TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS	874039100	3,717	$645,531	0.21%
82	SCHWAB US TIPS ETF	808524870	11,222	$601,836	0.20%
83	SPDR PORTFOLIO SHORT TERM CORPORATE BOND ETF	78464A474	19,307	$584,607	0.19%
84	ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF	464287242	5,117	$578,166	0.19%
85	ALPHABET INC CAP STK CL C	GOOG	3,382	$565,487	0.19%
86	ISHARES IBONDS DEC 2030 TERM CORPORATE ETF	46436E726	25,130	$557,132	0.18%
87	ISHARES S&P 500 VALUE ETF	464287408	2,759	$544,045	0.18%
88	ISHARES CORE U.S. AGGREGATE BOND ETF	464287226	5,239	$530,554	0.18%
89	ISHARES S&P 500 GROWTH ETF	464287309	5,486	$525,285	0.17%
90	CATERPILLAR INC COM	CAT	1,323	$517,565	0.17%
91	NETFLIX INC COM	NFLX	723	$512,802	0.17%
92	DIMENSIONAL INTERNATIONAL CORE EQUITY MARKET ETF	25434V203	16,092	$511,404	0.17%
93	ISHARES CORE MSCI EAFE ETF	46432F842	6,464	$504,507	0.17%
94	COSTCO WHSL CORP NEW COM	22160K105	563	$498,799	0.17%
95	INVESCO QQQ TRUST SERIES I	IVZ	1,005	$490,653	0.16%
96	EXXON MOBIL CORP COM	XOM	3,999	$468,727	0.16%
97	INVESCO S&P 500 LOW VOLATILITY ETF	IVZ	6,138	$440,279	0.15%
98	SCHWAB EMERGING MARKETS EQUITY ETF	808524706	14,878	$434,141	0.14%
99	ACCENTURE PLC IRELAND SHS CLASS A	ACN	1,222	$431,953	0.14%
100	INVESCO BULLETSHARES 2031 MUNICIPAL BOND ETF	IVZ	19,704	$419,794	0.14%
101	ISHARES MSCI EAFE ETF	464287465	4,885	$408,533	0.14%
102	INTERNATIONAL BUSINESS MACHS COM	INTR	1,827	$403,886	0.13%
103	REGENERON PHARMACEUTICALS COM	REGN	384	$403,676	0.13%
104	JPMORGAN ULTRA-SHORT MUNICIPAL INCOME ETF	46641Q654	7,794	$397,026	0.13%
105	ADOBE INC COM	ADBE	765	$396,102	0.13%
106	BLACKROCK INC COM	BLK	400	$380,174	0.13%
107	WISDOMTREE U.S. TOTAL DIVIDEND FUND	WT	4,934	$378,332	0.13%
108	LULULEMON ATHLETICA INC COM	LULU	1,346	$365,237	0.12%
109	INTUIT COM	INTU	584	$362,664	0.12%
110	ISHARES CORE S&P MID-CAP ETF	464287507	5,713	$356,012	0.12%
111	ISHARES MSCI GLOBAL ENERGY PRODUCERS ETF	464286343	14,272	$354,089	0.12%
112	ISHARES IBONDS DEC 2029 TERM CORPORATE ETF	46436E205	14,709	$345,809	0.11%
113	SALESFORCE INC COM	CRM	1,249	$341,910	0.11%
114	STARBUCKS CORP COM	SBUX	3,488	$340,069	0.11%
115	SPDR PORTFOLIO S&P 1500 COMPOSITE STOCK MARKET ETF	78464A805	4,752	$332,940	0.11%
116	DIMENSIONAL U.S. EQUITY MARKET ETF	25434V401	5,346	$332,521	0.11%
117	MERCK & CO INC COM	MRK	2,926	$332,320	0.11%
118	PGIM GLOBAL HIGH YIELD FD FORM COM	69346J106	25,764	$329,264	0.11%
119	DISNEY WALT CO COM	254687106	3,389	$325,975	0.11%
120	YUM BRANDS INC COM	YUM	2,325	$324,826	0.11%
121	SPDR BLOOMBERG 3-12 MONTH T-BILL ETF	78468R523	3,133	$311,984	0.10%
122	PROCTER AND GAMBLE CO COM	742718109	1,755	$303,967	0.10%
123	INTEL CORP COM	INTC	12,698	$297,888	0.10%
124	ENERGY SELECT SECTOR SPDR FUND	81369Y506	3,355	$294,570	0.10%
125	SPDR BLOOMBERG SHORT TERM HIGH YIELD BOND ETF	78468R408	11,241	$289,456	0.10%
126	ISHARES IBONDS DEC 2026 TERM CORPORATE ETF	46435GAA0	11,834	$287,566	0.10%
127	ISHARES IBONDS DEC 2027 TERM CORPORATE ETF	46435UAA9	11,279	$274,869	0.09%
128	PALO ALTO NETWORKS INC COM	PANW	801	$273,782	0.09%
129	ISHARES COHEN & STEERS REIT ETF	464287564	4,120	$271,549	0.09%
130	ISHARES U.S. TECHNOLOGY ETF	464287721	1,760	$266,851	0.09%
131	CONSTELLATION ENERGY CORP COM	CEG	1,018	$264,727	0.09%
132	AVANTIS U.S. LARGE CAP VALUE ETF	025072349	3,977	$261,806	0.09%
133	ABBVIE INC COM	ABBV	1,325	$261,616	0.09%
134	FEDEX CORP COM	FDX	924	$252,880	0.08%
135	VANGUARD INTERNATIONAL HIGH DIVIDEND YIELD ETF	921946794	3,368	$247,279	0.08%
136	UTILITIES SELECT SECTOR SPDR FUND	81369Y886	3,048	$246,217	0.08%
137	ISHARES 5-10 YEAR INVESTMENT GRADE CORPORATE BOND ETF	464288638	4,518	$242,707	0.08%
138	WELLS FARGO CO NEW COM	949746101	4,278	$241,683	0.08%
139	SCHWAB SHORT-TERM US TREASURY ETF	808524862	4,863	$238,190	0.08%
140	FINANCIAL SELECT SECTOR SPDR FUND	81369Y605	5,198	$235,582	0.08%
141	ISHARES TIPS BOND ETF	464287176	2,119	$234,115	0.08%
142	WALMART INC COM	WMT	2,775	$224,094	0.07%
143	ISHARES IBONDS DEC 2033 TERM CORPORATE ETF	46436E130	8,383	$221,311	0.07%
144	BOEING CO COM	BA-PA	1,393	$211,818	0.07%
145	ISHARES BIOTECHNOLOGY ETF	464287556	1,434	$208,739	0.07%
146	INVESCO BULLETSHARES 2030 MUNICIPAL BOND ETF	IVZ	9,381	$207,789	0.07%
147	ISHARES IBONDS DEC 2034 TERM CORPORATE ETF	46438G653	7,635	$203,931	0.07%
148	IMMUNOPRECISE ANTIBODIES LTD COM NEW	45257F200	26,808	$17,130	0.01%