13F HOLDINGS REPORT

Gradient Capital Advisors, LLC

Quarter ended Q4 2024 · Filed January 29, 2025 · Accession 0001727917-25-000002

Total Value

$310.2M

Positions

152

Other Managers

Confidential Omitted

View on SEC.gov

Holdings (152)

#	Issuer	Ticker / CUSIP	Shares	Value	% of Filing
1	ISHARES CORE S&P 500 ETF	464287200	50,379	$29.7M	9.56%
2	APPLE INC COM	AAPL	79,556	$19.9M	6.42%
3	VANGUARD SHORT-TERM CORPORATE BOND ETF	92206C409	155,889	$12.2M	3.92%
4	SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF	78463X889	334,459	$11.4M	3.68%
5	TESLA INC COM	TSLA	24,028	$9.7M	3.13%
6	SCHWAB INTERNATIONAL EQUITY ETF	808524805	487,703	$9.0M	2.91%
7	DIMENSIONAL SHORT-DURATION FIXED INCOME ETF	25434V864	187,466	$8.8M	2.83%
8	SCHWAB U.S. MID-CAP ETF	808524508	304,508	$8.4M	2.72%
9	DIMENSIONAL U.S. TARGETED VALUE ETF	25434V609	135,626	$7.5M	2.43%
10	VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF	922020805	152,606	$7.4M	2.38%
11	JPMORGAN ULTRA-SHORT INCOME ETF	46641Q837	133,554	$6.7M	2.17%
12	SCHWAB U.S. LARGE-CAP ETF	808524201	283,488	$6.6M	2.12%
13	MICROSOFT CORP COM	MSFT	14,633	$6.2M	1.99%
14	JPMORGAN CHASE & CO. COM	VYLD	24,313	$5.8M	1.88%
15	DIMENSIONAL EMERGING MARKETS CORE EQUITY 2 ETF	25434V732	214,447	$5.6M	1.81%
16	DIMENSIONAL US MARKETWIDE VALUE ETF	25434V724	128,651	$5.3M	1.70%
17	VANGUARD LARGE-CAP ETF	922908637	19,464	$5.2M	1.69%
18	VANGUARD FTSE DEVELOPED MARKETS ETF	921943858	103,069	$4.9M	1.59%
19	DIMENSIONAL US REAL ESTATE ETF	25434V823	184,165	$4.3M	1.38%
20	VANGUARD S&P 500 ETF	922908363	7,789	$4.2M	1.35%
21	VANGUARD GROWTH ETF	922908736	10,156	$4.2M	1.34%
22	ALPHABET INC CAP STK CL A	GOOG	21,959	$4.2M	1.34%
23	ISHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF	464288646	77,652	$4.0M	1.29%
24	VANGUARD MID-CAP ETF	922908629	15,183	$4.0M	1.29%
25	VANGUARD TOTAL INTERNATIONAL STOCK ETF	921909768	65,519	$3.9M	1.24%
26	NVIDIA CORPORATION COM	NVDA	28,548	$3.8M	1.24%
27	BERKSHIRE HATHAWAY INC DEL CL B NEW	BRK-A	8,287	$3.8M	1.21%
28	META PLATFORMS INC CL A	META	6,261	$3.7M	1.18%
29	SCHWAB US DIVIDEND EQUITY ETF	808524797	130,147	$3.6M	1.15%
30	DIMENSIONAL US SMALL CAP VALUE ETF	25434V815	114,691	$3.5M	1.14%
31	VANGUARD SMALL-CAP ETF	922908751	13,163	$3.2M	1.02%
32	DIMENSIONAL WORLD EX U.S. CORE EQUITY 2 ETF	25434V880	122,752	$3.1M	0.98%
33	VANGUARD GLOBAL EX-U.S. REAL ESTATE ETF	922042676	69,282	$2.7M	0.88%
34	VANGUARD SMALL CAP VALUE ETF	922908611	12,231	$2.4M	0.78%
35	DIMENSIONAL INTERNATIONAL SMALL CAP VALUE ETF	25434V781	89,978	$2.4M	0.77%
36	DIMENSIONAL US LARGE CAP VALUE ETF	25434V666	79,161	$2.4M	0.77%
37	BROADCOM INC COM	AVGO	9,360	$2.2M	0.70%
38	AMAZON COM INC COM	AMZN	9,354	$2.1M	0.66%
39	VANGUARD VALUE ETF	922908744	10,702	$1.8M	0.58%
40	SPDR BLOOMBERG 3-12 MONTH T-BILL ETF	78468R523	17,937	$1.8M	0.57%
41	SCHWAB U.S. BROAD MARKET ETF	808524102	77,553	$1.8M	0.57%
42	DIMENSIONAL EMERGING CORE EQUITY MARKET ETF	25434V302	68,450	$1.7M	0.56%
43	LAM RESEARCH CORP COM NEW	LRCX	22,883	$1.7M	0.53%
44	SPDR GOLD MINISHARES TRUST	GLDW	31,702	$1.6M	0.53%
45	ISHARES RUSSELL 2000 ETF	464287655	7,446	$1.6M	0.53%
46	WP CAREY INC COM	92936U109	29,812	$1.6M	0.52%
47	CHEVRON CORP NEW COM	CVX	10,726	$1.6M	0.50%
48	VANGUARD REAL ESTATE ETF	922908553	17,038	$1.5M	0.49%
49	AVANTIS INTERNATIONAL SMALL CAP VALUE ETF	025072802	22,293	$1.5M	0.47%
50	SPDR GOLD SHARES	GLD	5,743	$1.4M	0.45%
51	QUALCOMM INC COM	QCOM	8,697	$1.3M	0.43%
52	VANGUARD TOTAL STOCK MARKET ETF	922908769	4,238	$1.2M	0.40%
53	ADVANCED MICRO DEVICES INC COM	AMD	10,092	$1.2M	0.39%
54	SCHWAB U.S. LARGE-CAP VALUE ETF	808524409	44,515	$1.2M	0.37%
55	VANGUARD FTSE ALL-WORLD EX-US INDEX FUND	922042775	19,594	$1.1M	0.36%
56	VANGUARD DIVIDEND APPRECIATION ETF	921908844	5,620	$1.1M	0.35%
57	AVANTIS U.S. SMALL CAP VALUE ETF	025072877	11,241	$1.1M	0.35%
58	SCHWAB U.S. SMALL-CAP ETF	808524607	40,070	$1.0M	0.33%
59	CISCO SYS INC COM	CSCO	17,216	$1.0M	0.33%
60	BANK AMERICA CORP COM	060505104	23,188	$1.0M	0.33%
61	LOCKHEED MARTIN CORP COM	LMT	2,038	$990,180	0.32%
62	HOME DEPOT INC COM	HD	2,416	$939,966	0.30%
63	SCHWAB U.S. REIT ETF	808524847	43,110	$907,900	0.29%
64	CONSUMER STAPLES SELECT SECTOR SPDR FUND	81369Y308	11,195	$880,023	0.28%
65	AMGEN INC COM	AMGN	3,257	$848,960	0.27%
66	JOHNSON & JOHNSON COM	JNJ	5,813	$840,718	0.27%
67	VANGUARD SHORT-TERM BOND ETF	921937827	10,870	$839,960	0.27%
68	VISA INC COM CL A	V	2,576	$814,097	0.26%
69	TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS	874039100	4,118	$813,264	0.26%
70	VANGUARD HEALTH CARE ETF	92204A504	3,165	$802,986	0.26%
71	ISHARES IBONDS DEC 2032 TERM CORPORATE ETF	46436E312	32,536	$799,740	0.26%
72	DIMENSIONAL U.S. CORE EQUITY 2 ETF	25434V708	23,016	$796,127	0.26%
73	SCHWAB US AGGREGATE BOND ETF	808524839	34,291	$778,401	0.25%
74	VANGUARD FTSE EMERGING MARKETS ETF	922042858	17,513	$771,272	0.25%
75	ISHARES IBONDS DEC 2031 TERM CORPORATE ETF	46436E486	37,516	$763,451	0.25%
76	BLACKSTONE INC COM	BX	4,383	$755,717	0.24%
77	ISHARES CORE S&P SMALL CAP ETF	464287804	6,403	$737,708	0.24%
78	VANGUARD HIGH DIVIDEND YIELD INDEX ETF	921946406	5,510	$703,016	0.23%
79	SPDR S&P 500 ETF TRUST	SPY	1,133	$664,071	0.21%
80	NETFLIX INC COM	NFLX	719	$640,859	0.21%
81	SPDR PORTFOLIO SHORT TERM CORPORATE BOND ETF	78464A474	20,438	$610,292	0.20%
82	ALPHABET INC CAP STK CL C	GOOG	3,121	$594,321	0.19%
83	DIMENSIONAL INTERNATIONAL CORE EQUITY 2 ETF	25434V799	22,962	$593,453	0.19%
84	ISHARES IBONDS DEC 2030 TERM CORPORATE ETF	46436E726	27,647	$590,540	0.19%
85	SCHWAB US TIPS ETF	808524870	22,444	$579,729	0.19%
86	ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF	464287242	5,115	$546,476	0.18%
87	ISHARES S&P 500 GROWTH ETF	464287309	5,352	$543,389	0.18%
88	VANGUARD ULTRA-SHORT BOND ETF	92203C303	10,821	$536,938	0.17%
89	INVESCO QQQ TRUST SERIES I	IVZ	1,005	$514,022	0.17%
90	COSTCO WHSL CORP NEW COM	22160K105	557	$510,065	0.16%
91	ISHARES CORE U.S. AGGREGATE BOND ETF	464287226	5,239	$507,659	0.16%
92	LULULEMON ATHLETICA INC COM	LULU	1,304	$498,663	0.16%
93	ISHARES S&P 500 VALUE ETF	464287408	2,590	$494,311	0.16%
94	CATERPILLAR INC COM	CAT	1,305	$473,541	0.15%
95	DIMENSIONAL INTERNATIONAL CORE EQUITY MARKET ETF	25434V203	15,883	$463,784	0.15%
96	ISHARES CORE MSCI EAFE ETF	46432F842	6,458	$453,861	0.15%
97	BLACKROCK INC COM	BLK	426	$436,224	0.14%
98	EXXON MOBIL CORP COM	XOM	4,003	$430,605	0.14%
99	ACCENTURE PLC IRELAND SHS CLASS A	ACN	1,219	$428,832	0.14%
100	SALESFORCE INC COM	CRM	1,249	$417,667	0.13%
101	INTERNATIONAL BUSINESS MACHS COM	INTR	1,897	$417,107	0.13%
102	INVESCO S&P 500 LOW VOLATILITY ETF	IVZ	5,958	$417,060	0.13%
103	INVESCO BULLETSHARES 2031 MUNICIPAL BOND ETF	IVZ	19,704	$412,405	0.13%
104	JPMORGAN ULTRA-SHORT MUNICIPAL INCOME ETF	46641Q654	8,127	$412,120	0.13%
105	SCHWAB EMERGING MARKETS EQUITY ETF	808524706	15,136	$403,077	0.13%
106	AVANTIS U.S. MID CAP EQUITY ETF	025072125	6,191	$402,353	0.13%
107	PFIZER INC COM	PFE	14,943	$396,439	0.13%
108	ISHARES IBONDS DEC 2029 TERM CORPORATE ETF	46436E205	17,077	$389,356	0.13%
109	WISDOMTREE U.S. TOTAL DIVIDEND FUND	WT	4,934	$374,304	0.12%
110	INTUIT COM	INTU	589	$370,187	0.12%
111	ISHARES MSCI EAFE ETF	464287465	4,885	$369,355	0.12%
112	DISNEY WALT CO COM	254687106	3,176	$353,633	0.11%
113	ISHARES CORE S&P MID-CAP ETF	464287507	5,605	$349,225	0.11%
114	ADOBE INC COM	ADBE	758	$337,067	0.11%
115	SPDR PORTFOLIO S&P 1500 COMPOSITE STOCK MARKET ETF	78464A805	4,712	$336,545	0.11%
116	DIMENSIONAL U.S. EQUITY MARKET ETF	25434V401	5,244	$334,305	0.11%
117	PGIM GLOBAL HIGH YIELD FD FORM COM	69346J106	25,764	$317,412	0.10%
118	SPDR BLOOMBERG SHORT TERM HIGH YIELD BOND ETF	78468R408	12,452	$314,413	0.10%
119	ISHARES MSCI GLOBAL ENERGY PRODUCERS ETF	464286343	13,588	$310,292	0.10%
120	STARBUCKS CORP COM	SBUX	3,389	$309,269	0.10%
121	MERCK & CO INC COM	MRK	3,023	$300,747	0.10%
122	PROCTER AND GAMBLE CO COM	742718109	1,780	$298,444	0.10%
123	ISHARES IBONDS DEC 2026 TERM CORPORATE ETF	46435GAA0	12,041	$289,827	0.09%
124	WELLS FARGO CO NEW COM	949746101	4,126	$289,797	0.09%
125	PALO ALTO NETWORKS INC COM	PANW	1,586	$288,589	0.09%
126	ENERGY SELECT SECTOR SPDR FUND	81369Y506	3,358	$287,679	0.09%
127	ISHARES U.S. TECHNOLOGY ETF	464287721	1,760	$280,755	0.09%
128	ISHARES IBONDS DEC 2027 TERM CORPORATE ETF	46435UAA9	11,486	$275,205	0.09%
129	REGENERON PHARMACEUTICALS COM	REGN	384	$273,535	0.09%
130	DIMENSIONAL GLOBAL CORE PLUS FIXED INCOME ETF	25434V583	5,142	$271,652	0.09%
131	ISHARES IBONDS DEC 2033 TERM CORPORATE ETF	46436E130	10,699	$268,545	0.09%
132	FEDEX CORP COM	FDX	924	$259,949	0.08%
133	INTEL CORP COM	INTC	12,783	$256,300	0.08%
134	AVANTIS U.S. LARGE CAP VALUE ETF	025072349	3,827	$255,529	0.08%
135	CONSTELLATION ENERGY CORP COM	CEG	1,140	$255,068	0.08%
136	ISHARES IBONDS DEC 2034 TERM CORPORATE ETF	46438G653	9,923	$252,540	0.08%
137	FINANCIAL SELECT SECTOR SPDR FUND	81369Y605	5,199	$251,272	0.08%
138	SCHWAB SHORT-TERM US TREASURY ETF	808524862	10,323	$248,371	0.08%
139	ISHARES COHEN & STEERS REIT ETF	464287564	4,120	$248,271	0.08%
140	BOEING CO COM	BA-PA	1,393	$246,592	0.08%
141	YUM BRANDS INC COM	YUM	1,825	$244,842	0.08%
142	WALMART INC COM	WMT	2,651	$239,533	0.08%
143	ABBVIE INC COM	ABBV	1,326	$235,699	0.08%
144	ISHARES 5-10 YEAR INVESTMENT GRADE CORPORATE BOND ETF	464288638	4,518	$232,722	0.08%
145	UTILITIES SELECT SECTOR SPDR FUND	81369Y886	3,048	$230,703	0.07%
146	ISHARES TIPS BOND ETF	464287176	2,070	$220,559	0.07%
147	JPMORGAN SHORT DURATION CORE PLUS ETF	46641Q274	4,697	$219,021	0.07%
148	INVESCO OPTIMUM YIELD DIVERSIFIED COMMODITY STRATEGY NO K-1 ETF	IVZ	15,846	$205,837	0.07%
149	INVESCO BULLETSHARES 2030 MUNICIPAL BOND ETF	IVZ	9,381	$203,755	0.07%
150	AMERICAN EXPRESS CO COM	AXP	686	$203,707	0.07%
151	BRISTOL-MYERS SQUIBB CO COM	CELG-RI	3,549	$200,731	0.06%
152	IMMUNOPRECISE ANTIBODIES LTD COM NEW	45257F200	26,808	$11,037	0.00%