Gradient Capital Advisors 13F-HR Quarterly holdings report by institutional manager

The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE

OMB APPROVAL

OMB Number:		3235-0006
Expires:	Oct 31, 2018
Estimated average burden
hours per response:		23.8

COLUMN 1	COLUMN 2	COLUMN 3	COLUMN 4	COLUMN 5			COLUMN 6	COLUMN 7	COLUMN 8
			VALUE	SHRS OR	SH/	PUT/	INVESTMENT	OTHER	VOTING AUTHORITY
NAME OF ISSUER	TITLE OF CLASS	CUSIP	(x$1000)	PRN AMT	PRN	CALL	DISCRETION	MANAGER	SOLE	SHARED	NONE
AMAZON COM INC COM	Stock	023135106	1,257,852	9,895	SH		SOLE	0	0	0	9,895
INVESCO QQQ TRUST SERIES I	ETF	46090E103	349,132	974	SH		SOLE	0	0	0	974
STARBUCKS CORP COM	Stock	855244109	311,151	3,409	SH		SOLE	0	0	0	3,409
JOHNSON & JOHNSON COM	Stock	478160104	1,364,197	8,759	SH		SOLE	0	0	0	8,758
VANGUARD TOTAL STOCK MARKET ETF	ETF	922908769	1,013,196	4,770	SH		SOLE	0	0	0	4,770
VANGUARD INTERNATIONAL HIGH DIVIDEND YIELD ETF	ETF	921946794	202,875	3,278	SH		SOLE	0	0	0	3,278
COSTCO WHSL CORP NEW COM	Stock	22160K105	300,852	533	SH		SOLE	0	0	0	532
YUM BRANDS INC COM	Stock	988498101	290,486	2,325	SH		SOLE	0	0	0	2,325
PROCTER AND GAMBLE CO COM	Stock	742718109	277,191	1,900	SH		SOLE	0	0	0	1,900
VANGUARD REAL ESTATE ETF	ETF	922908553	1,325,136	17,514	SH		SOLE	0	0	0	17,514
INTEL CORP COM	Stock	458140100	607,376	17,085	SH		SOLE	0	0	0	17,085
NETFLIX INC COM	Stock	64110L106	322,848	855	SH		SOLE	0	0	0	855
MERCK & CO INC COM	Stock	58933Y105	310,557	3,017	SH		SOLE	0	0	0	3,016
SPDR S&P 500 ETF TRUST	ETF	78462F103	551,022	1,289	SH		SOLE	0	0	0	1,289
YUM CHINA HLDGS INC COM	Stock	98850P109	250,350	4,493	SH		SOLE	0	0	0	4,493
ISHARES TIPS BOND ETF	ETF	464287176	253,165	2,441	SH		SOLE	0	0	0	2,440
ISHARES COHEN & STEERS REIT ETF	ETF	464287564	287,367	5,729	SH		SOLE	0	0	0	5,729
FEDEX CORP COM	Stock	31428X106	244,786	924	SH		SOLE	0	0	0	924
HOME DEPOT INC COM	Stock	437076102	748,699	2,478	SH		SOLE	0	0	0	2,477
SPDR GOLD SHARES	ETF	78463V107	920,858	5,371	SH		SOLE	0	0	0	5,371
SCHWAB U.S. SMALL-CAP ETF	ETF	808524607	934,472	22,561	SH		SOLE	0	0	0	22,560
SCHWAB U.S. BROAD MARKET ETF	ETF	808524102	1,302,780	26,134	SH		SOLE	0	0	0	26,134
SCHWAB INTERNATIONAL EQUITY ETF	ETF	808524805	9,149,682	269,425	SH		SOLE	0	0	0	269,425
SCHWAB U.S. LARGE-CAP ETF	ETF	808524201	5,842,245	115,459	SH		SOLE	0	0	0	115,459
CONSUMER STAPLES SELECT SECTOR SPDR FUND	ETF	81369Y308	858,937	12,483	SH		SOLE	0	0	0	12,482
JPMORGAN ULTRA-SHORT INCOME ETF	ETF	46641Q837	7,062,885	140,751	SH		SOLE	0	0	0	140,751
SPDR PORTFOLIO SHORT TERM CORPORATE BOND ETF	ETF	78464A474	593,756	20,251	SH		SOLE	0	0	0	20,250
ISHARES CORE S&P SMALL CAP ETF	ETF	464287804	624,186	6,617	SH		SOLE	0	0	0	6,617
BERKSHIRE HATHAWAY INC DEL CL B NEW	Stock	084670702	2,437,738	6,959	SH		SOLE	0	0	0	6,959
SCHWAB EMERGING MARKETS EQUITY ETF	ETF	808524706	429,319	17,933	SH		SOLE	0	0	0	17,933
ADOBE INC COM	Stock	00724F101	377,836	741	SH		SOLE	0	0	0	741
VANGUARD SHORT-TERM CORPORATE BOND ETF	ETF	92206C409	6,990,406	93,019	SH		SOLE	0	0	0	93,019
ALPHABET INC CAP STK CL A	Stock	02079K305	2,517,746	19,240	SH		SOLE	0	0	0	19,240
INTUIT COM	Stock	461202103	290,725	569	SH		SOLE	0	0	0	569
SCHWAB INTERNATIONAL SMALL-CAP EQUITY ETF	ETF	808524888	257,960	7,999	SH		SOLE	0	0	0	7,998
MICROSOFT CORP COM	Stock	594918104	4,648,458	14,722	SH		SOLE	0	0	0	14,721
SPDR GOLD MINISHARES TRUST	ETF	98149E303	1,131,987	30,878	SH		SOLE	0	0	0	30,878
BOEING CO COM	Stock	097023105	328,754	1,715	SH		SOLE	0	0	0	1,715
VANGUARD SMALL-CAP ETF	ETF	922908751	2,783,403	14,722	SH		SOLE	0	0	0	14,721
VANGUARD MID-CAP ETF	ETF	922908629	3,190,356	15,321	SH		SOLE	0	0	0	15,320
VANGUARD LARGE-CAP ETF	ETF	922908637	3,908,494	19,973	SH		SOLE	0	0	0	19,972
TESLA INC COM	Stock	88160R101	7,328,443	29,288	SH		SOLE	0	0	0	29,288
JPMORGAN ULTRA-SHORT MUNICIPAL INCOME ETF	ETF	46641Q654	1,029,937	20,415	SH		SOLE	0	0	0	20,415
VANGUARD HEALTH CARE ETF	ETF	92204A504	826,830	3,517	SH		SOLE	0	0	0	3,516
SCHWAB U.S. LARGE-CAP VALUE ETF	ETF	808524409	1,088,472	16,886	SH		SOLE	0	0	0	16,886
SCHWAB US TIPS ETF	ETF	808524870	566,801	11,226	SH		SOLE	0	0	0	11,226
VANGUARD S&P 500 ETF	ETF	922908363	5,283,742	13,455	SH		SOLE	0	0	0	13,454
VANGUARD GLOBAL EX-U.S. REAL ESTATE ETF	ETF	922042676	2,515,306	64,611	SH		SOLE	0	0	0	64,611
SCHWAB U.S. REIT ETF	ETF	808524847	858,550	48,369	SH		SOLE	0	0	0	48,369
AVANTIS U.S. SMALL CAP VALUE ETF	ETF	025072877	991,758	12,723	SH		SOLE	0	0	0	12,723
SCHWAB U.S. MID-CAP ETF	ETF	808524508	6,749,253	99,723	SH		SOLE	0	0	0	99,723
AVANTIS INTERNATIONAL SMALL CAP VALUE ETF	ETF	025072802	1,222,775	21,137	SH		SOLE	0	0	0	21,137
VANGUARD TOTAL INTERNATIONAL STOCK ETF	ETF	921909768	3,554,210	66,409	SH		SOLE	0	0	0	66,409
ISHARES RUSSELL 2000 ETF	ETF	464287655	908,797	5,142	SH		SOLE	0	0	0	5,142
INVESCO S&P 500 LOW VOLATILITY ETF	ETF	46138E354	422,583	7,188	SH		SOLE	0	0	0	7,188
VANGUARD SMALL CAP VALUE ETF	ETF	922908611	1,540,430	9,658	SH		SOLE	0	0	0	9,658
INVESCO BULLETSHARES 2030 CORPORATE BOND ETF	ETF	46138J460	194,750	12,500	SH		SOLE	0	0	0	12,500
REGENERON PHARMACEUTICALS COM	Stock	75886F107	316,017	384	SH		SOLE	0	0	0	384
DIMENSIONAL US CORE EQUITY MARKET ETF	ETF	25434V104	215,610	7,199	SH		SOLE	0	0	0	7,199
DIMENSIONAL INTERNATIONAL CORE EQUITY MARKET ETF	ETF	25434V203	420,162	16,092	SH		SOLE	0	0	0	16,092
IMMUNOPRECISE ANTIBODIES LTD COM NEW	Stock	45257F200	49,059	26,808	SH		SOLE	0	0	0	26,808
DIMENSIONAL EMERGING CORE EQUITY MARKET ETF	ETF	25434V302	1,452,425	64,352	SH		SOLE	0	0	0	64,352
SCHWAB US AGGREGATE BOND ETF	ETF	808524839	905,118	20,464	SH		SOLE	0	0	0	20,463
SCHWAB US DIVIDEND EQUITY ETF	ETF	808524797	2,137,788	30,212	SH		SOLE	0	0	0	30,211
VANGUARD ULTRA-SHORT BOND ETF	ETF	92203C303	926,248	18,830	SH		SOLE	0	0	0	18,830
VISA INC COM CL A	Stock	92826C839	547,104	2,379	SH		SOLE	0	0	0	2,378
DIMENSIONAL U.S. CORE EQUITY 2 ETF	ETF	25434V708	521,658	19,911	SH		SOLE	0	0	0	19,910
DIMENSIONAL U.S. TARGETED VALUE ETF	ETF	25434V609	6,386,157	139,771	SH		SOLE	0	0	0	139,771
DIMENSIONAL U.S. EQUITY ETF	ETF	25434V401	365,138	7,844	SH		SOLE	0	0	0	7,844
DIMENSIONAL WORLD EX U.S. CORE EQUITY 2 ETF	ETF	25434V880	2,070,428	91,937	SH		SOLE	0	0	0	91,937
AVANTIS U.S. LARGE CAP VALUE ETF	ETF	025072349	284,209	5,395	SH		SOLE	0	0	0	5,395
INVESCO BULLETSHARES 2031 CORPORATE BOND ETF	ETF	46138J429	385,093	25,252	SH		SOLE	0	0	0	25,252
INVESCO BULLETSHARES 2031 MUNICIPAL BOND ETF	ETF	46138J411	394,259	19,704	SH		SOLE	0	0	0	19,704
VANGUARD VALUE ETF	ETF	922908744	950,776	6,893	SH		SOLE	0	0	0	6,893
VANGUARD GROWTH ETF	ETF	922908736	3,052,891	11,211	SH		SOLE	0	0	0	11,211
SPDR BLOOMBERG SHORT TERM HIGH YIELD BOND ETF	ETF	78468R408	279,871	11,442	SH		SOLE	0	0	0	11,442
DIMENSIONAL SHORT-DURATION FIXED INCOME ETF	ETF	25434V864	3,609,013	77,814	SH		SOLE	0	0	0	77,814
META PLATFORMS INC CL A	Stock	30303M102	1,653,256	5,507	SH		SOLE	0	0	0	5,507
DIMENSIONAL US REAL ESTATE ETF	ETF	25434V823	3,092,027	158,403	SH		SOLE	0	0	0	158,403
DIMENSIONAL US SMALL CAP VALUE ETF	ETF	25434V815	1,506,995	59,471	SH		SOLE	0	0	0	59,471
DIMENSIONAL INTERNATIONAL SMALL CAP VALUE ETF	ETF	25434V781	1,702,434	71,591	SH		SOLE	0	0	0	71,591
DIMENSIONAL INTERNATIONAL CORE EQUITY 2 ETF	ETF	25434V799	536,163	22,962	SH		SOLE	0	0	0	22,962
JPMORGAN INFLATION MANAGED BOND ETF	ETF	46654Q104	286,610	6,341	SH		SOLE	0	0	0	6,340
DIMENSIONAL US MARKETWIDE VALUE ETF	ETF	25434V724	4,588,556	134,878	SH		SOLE	0	0	0	134,878
ISHARES IBONDS DEC 2032 TERM CORPORATE ETF	ETF	46436E312	371,947	15,841	SH		SOLE	0	0	0	15,841
WP CAREY INC COM	REIT	92936U109	1,837,708	33,981	SH		SOLE	0	0	0	33,981
BROADCOM INC COM	Stock	11135F101	819,256	986	SH		SOLE	0	0	0	986
VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF	ETF	922020805	7,070,346	149,542	SH		SOLE	0	0	0	149,542
ISHARES CORE MSCI EAFE ETF	ETF	46432F842	430,945	6,697	SH		SOLE	0	0	0	6,696
DIMENSIONAL US LARGE CAP VALUE ETF	ETF	25434V666	430,875	17,367	SH		SOLE	0	0	0	17,367
WISDOMTREE U.S. TOTAL DIVIDEND FUND	ETF	97717W109	462,467	7,686	SH		SOLE	0	0	0	7,686
ACCENTURE PLC IRELAND SHS CLASS A	Stock	G1151C101	356,555	1,161	SH		SOLE	0	0	0	1,161
NVIDIA CORPORATION COM	Stock	67066G104	1,266,691	2,912	SH		SOLE	0	0	0	2,912
ISHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF	ETF	464288646	2,558,521	51,345	SH		SOLE	0	0	0	51,344
PGIM GLOBAL HIGH YIELD FD FORM COM	CEF	69346J106	277,736	25,764	SH		SOLE	0	0	0	25,764
VANGUARD FTSE ALL-WORLD EX-US INDEX FUND	ETF	922042775	1,430,719	27,583	SH		SOLE	0	0	0	27,582
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS	ADR	874039100	223,246	2,569	SH		SOLE	0	0	0	2,569
BLACKSTONE INC COM	Stock	09260D107	480,737	4,487	SH		SOLE	0	0	0	4,487
ISHARES MSCI GLOBAL ENERGY PRODUCERS ETF	ETF	464286343	367,791	14,261	SH		SOLE	0	0	0	14,261
QUALCOMM INC COM	Stock	747525103	1,116,540	10,053	SH		SOLE	0	0	0	10,053
CISCO SYS INC COM	Stock	17275R102	601,320	11,185	SH		SOLE	0	0	0	11,185
ADVANCED MICRO DEVICES INC COM	Stock	007903107	700,307	6,811	SH		SOLE	0	0	0	6,811
ENERGY SELECT SECTOR SPDR FUND	ETF	81369Y506	288,938	3,197	SH		SOLE	0	0	0	3,196
ISHARES S&P 500 VALUE ETF	ETF	464287408	414,291	2,693	SH		SOLE	0	0	0	2,693
LULULEMON ATHLETICA INC COM	Stock	550021109	771,991	2,002	SH		SOLE	0	0	0	2,002
ISHARES S&P 500 GROWTH ETF	ETF	464287309	350,447	5,122	SH		SOLE	0	0	0	5,122
ISHARES CORE S&P 500 ETF	ETF	464287200	24,065,256	56,040	SH		SOLE	0	0	0	56,039
DIMENSIONAL EMERGING MARKETS CORE EQUITY 2 ETF	ETF	25434V732	3,652,700	156,701	SH		SOLE	0	0	0	156,701
SALESFORCE INC COM	Stock	79466L302	241,308	1,190	SH		SOLE	0	0	0	1,190
LOCKHEED MARTIN CORP COM	Stock	539830109	785,745	1,921	SH		SOLE	0	0	0	1,921
JPMORGAN CHASE & CO COM	Stock	46625H100	3,679,829	25,375	SH		SOLE	0	0	0	25,374
CHEVRON CORP NEW COM	Stock	166764100	1,975,701	11,717	SH		SOLE	0	0	0	11,716
VANGUARD FTSE DEVELOPED MARKETS ETF	ETF	921943858	3,969,732	90,799	SH		SOLE	0	0	0	90,799
BANK AMERICA CORP COM	Stock	060505104	677,433	24,742	SH		SOLE	0	0	0	24,741
SPDR PORTFOLIO S&P 1500 COMPOSITE STOCK MARKET ETF	ETF	78464A805	257,039	4,897	SH		SOLE	0	0	0	4,896
INTERNATIONAL BUSINESS MACHS COM	Stock	459200101	250,183	1,783	SH		SOLE	0	0	0	1,783
VANGUARD FTSE EMERGING MARKETS ETF	ETF	922042858	862,065	21,986	SH		SOLE	0	0	0	21,985
VANGUARD HIGH DIVIDEND YIELD INDEX ETF	ETF	921946406	581,126	5,625	SH		SOLE	0	0	0	5,624
PFIZER INC COM	Stock	717081103	638,634	19,253	SH		SOLE	0	0	0	19,253
ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF	ETF	464287242	539,735	5,290	SH		SOLE	0	0	0	5,290
CATERPILLAR INC COM	Stock	149123101	468,235	1,715	SH		SOLE	0	0	0	1,715
ALPHABET INC CAP STK CL C	Stock	02079K107	506,831	3,844	SH		SOLE	0	0	0	3,844
AMGEN INC COM	Stock	031162100	962,968	3,583	SH		SOLE	0	0	0	3,583
VANGUARD DIVIDEND APPRECIATION ETF	ETF	921908844	911,396	5,866	SH		SOLE	0	0	0	5,865
ISHARES CORE U.S. AGGREGATE BOND ETF	ETF	464287226	483,366	5,140	SH		SOLE	0	0	0	5,140
VANGUARD SHORT-TERM BOND ETF	ETF	921937827	1,054,321	14,026	SH		SOLE	0	0	0	14,025
LAM RESEARCH CORP COM	Stock	512807108	1,650,417	2,633	SH		SOLE	0	0	0	2,633
BRISTOL-MYERS SQUIBB CO COM	Stock	110122108	252,184	4,345	SH		SOLE	0	0	0	4,345
EXXON MOBIL CORP COM	Stock	30231G102	445,020	3,785	SH		SOLE	0	0	0	3,784
SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF	ETF	78463X889	8,819,895	284,421	SH		SOLE	0	0	0	284,421
BLACKROCK INC COM	Stock	09247X101	283,593	439	SH		SOLE	0	0	0	438
ISHARES CORE S&P MID-CAP ETF	ETF	464287507	284,917	1,143	SH		SOLE	0	0	0	1,142
INVESCO OPTIMUM YIELD DIVERSIFIED COMMODITY STRATEGY NO K-1 ETF	ETF	46090F100	153,865	10,292	SH		SOLE	0	0	0	10,291
ISHARES MSCI EAFE ETF	ETF	464287465	348,391	5,055	SH		SOLE	0	0	0	5,055
APPLE INC COM	Stock	037833100	16,879,268	98,588	SH		SOLE	0	0	0	98,588
DISNEY WALT CO COM	Stock	254687106	313,179	3,864	SH		SOLE	0	0	0	3,864