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	1,733,453	8,970	SH		SOLE	0	0	0	8,970
INVESCO QQQ TRUST SERIES I	ETF	46090E103	481,602	1,005	SH		SOLE	0	0	0	1,005
STARBUCKS CORP COM	Stock	855244109	261,517	3,359	SH		SOLE	0	0	0	3,359
JOHNSON & JOHNSON COM	Stock	478160104	927,972	6,349	SH		SOLE	0	0	0	6,349
VANGUARD TOTAL STOCK MARKET ETF	ETF	922908769	1,243,922	4,650	SH		SOLE	0	0	0	4,650
VANGUARD INTERNATIONAL HIGH DIVIDEND YIELD ETF	ETF	921946794	233,687	3,410	SH		SOLE	0	0	0	3,410
COSTCO WHSL CORP NEW COM	Stock	22160K105	441,671	520	SH		SOLE	0	0	0	519
YUM BRANDS INC COM	Stock	988498101	307,970	2,325	SH		SOLE	0	0	0	2,325
PROCTER AND GAMBLE CO COM	Stock	742718109	287,101	1,741	SH		SOLE	0	0	0	1,740
VANGUARD REAL ESTATE ETF	ETF	922908553	1,446,616	17,271	SH		SOLE	0	0	0	17,270
INTEL CORP COM	Stock	458140100	403,111	13,016	SH		SOLE	0	0	0	13,016
NETFLIX INC COM	Stock	64110L106	492,662	730	SH		SOLE	0	0	0	730
MERCK & CO INC COM	Stock	58933Y105	348,126	2,812	SH		SOLE	0	0	0	2,812
SPDR S&P 500 ETF TRUST	ETF	78462F103	640,984	1,178	SH		SOLE	0	0	0	1,177
ISHARES TIPS BOND ETF	ETF	464287176	226,264	2,119	SH		SOLE	0	0	0	2,118
ISHARES COHEN & STEERS REIT ETF	ETF	464287564	236,035	4,120	SH		SOLE	0	0	0	4,120
FEDEX CORP COM	Stock	31428X106	277,052	924	SH		SOLE	0	0	0	924
HOME DEPOT INC COM	Stock	437076102	868,122	2,522	SH		SOLE	0	0	0	2,521
SPDR GOLD SHARES	ETF	78463V107	1,224,912	5,697	SH		SOLE	0	0	0	5,697
SCHWAB U.S. SMALL-CAP ETF	ETF	808524607	1,062,124	22,384	SH		SOLE	0	0	0	22,384
SCHWAB U.S. BROAD MARKET ETF	ETF	808524102	1,630,471	25,934	SH		SOLE	0	0	0	25,934
SCHWAB INTERNATIONAL EQUITY ETF	ETF	808524805	9,433,174	245,528	SH		SOLE	0	0	0	245,527
SCHWAB U.S. LARGE-CAP ETF	ETF	808524201	6,521,927	101,509	SH		SOLE	0	0	0	101,508
CONSUMER STAPLES SELECT SECTOR SPDR FUND	ETF	81369Y308	859,804	11,228	SH		SOLE	0	0	0	11,227
JPMORGAN ULTRA-SHORT INCOME ETF	ETF	46641Q837	6,657,498	131,910	SH		SOLE	0	0	0	131,910
SPDR PORTFOLIO SHORT TERM CORPORATE BOND ETF	ETF	78464A474	573,028	19,294	SH		SOLE	0	0	0	19,293
ISHARES CORE S&P SMALL CAP ETF	ETF	464287804	682,322	6,397	SH		SOLE	0	0	0	6,397
ISHARES IBONDS DEC 2027 TERM CORPORATE ETF	ETF	46435UAA9	226,527	9,546	SH		SOLE	0	0	0	9,546
BERKSHIRE HATHAWAY INC DEL CL B NEW	Stock	084670702	3,295,894	8,102	SH		SOLE	0	0	0	8,102
SCHWAB EMERGING MARKETS EQUITY ETF	ETF	808524706	405,635	15,272	SH		SOLE	0	0	0	15,272
ADOBE INC COM	Stock	00724F101	400,544	721	SH		SOLE	0	0	0	721
VANGUARD SHORT-TERM CORPORATE BOND ETF	ETF	92206C409	10,967,146	141,924	SH		SOLE	0	0	0	141,923
ALPHABET INC CAP STK CL A	Stock	02079K305	4,145,507	22,759	SH		SOLE	0	0	0	22,758
INTUIT COM	Stock	461202103	366,723	558	SH		SOLE	0	0	0	558
MICROSOFT CORP COM	Stock	594918104	6,758,872	15,122	SH		SOLE	0	0	0	15,122
SPDR GOLD MINISHARES TRUST	ETF	98149E303	1,519,495	32,968	SH		SOLE	0	0	0	32,968
BOEING CO COM	Stock	097023105	288,518	1,585	SH		SOLE	0	0	0	1,585
VANGUARD SMALL-CAP ETF	ETF	922908751	2,960,131	13,576	SH		SOLE	0	0	0	13,576
VANGUARD MID-CAP ETF	ETF	922908629	3,589,017	14,825	SH		SOLE	0	0	0	14,824
VANGUARD LARGE-CAP ETF	ETF	922908637	4,858,575	19,464	SH		SOLE	0	0	0	19,463
TESLA INC COM	Stock	88160R101	4,929,982	24,914	SH		SOLE	0	0	0	24,914
JPMORGAN ULTRA-SHORT MUNICIPAL INCOME ETF	ETF	46641Q654	672,676	13,256	SH		SOLE	0	0	0	13,256
VANGUARD HEALTH CARE ETF	ETF	92204A504	855,937	3,218	SH		SOLE	0	0	0	3,217
FINANCIAL SELECT SECTOR SPDR FUND	ETF	81369Y605	213,665	5,197	SH		SOLE	0	0	0	5,197
SCHWAB U.S. LARGE-CAP VALUE ETF	ETF	808524409	1,153,944	15,577	SH		SOLE	0	0	0	15,577
SCHWAB US TIPS ETF	ETF	808524870	583,656	11,222	SH		SOLE	0	0	0	11,222
VANGUARD S&P 500 ETF	ETF	922908363	4,326,749	8,651	SH		SOLE	0	0	0	8,651
VANGUARD GLOBAL EX-U.S. REAL ESTATE ETF	ETF	922042676	2,543,171	62,686	SH		SOLE	0	0	0	62,686
SCHWAB U.S. REIT ETF	ETF	808524847	900,003	45,068	SH		SOLE	0	0	0	45,067
AVANTIS U.S. SMALL CAP VALUE ETF	ETF	025072877	1,030,793	11,489	SH		SOLE	0	0	0	11,489
SCHWAB U.S. MID-CAP ETF	ETF	808524508	7,811,953	100,372	SH		SOLE	0	0	0	100,372
ISHARES IBONDS DEC 2029 TERM CORPORATE ETF	ETF	46436E205	292,692	12,911	SH		SOLE	0	0	0	12,911
AVANTIS INTERNATIONAL SMALL CAP VALUE ETF	ETF	025072802	1,375,576	21,179	SH		SOLE	0	0	0	21,179
VANGUARD TOTAL INTERNATIONAL STOCK ETF	ETF	921909768	3,906,415	64,783	SH		SOLE	0	0	0	64,783
ISHARES RUSSELL 2000 ETF	ETF	464287655	1,078,563	5,316	SH		SOLE	0	0	0	5,316
INVESCO S&P 500 LOW VOLATILITY ETF	ETF	46138E354	398,663	6,138	SH		SOLE	0	0	0	6,138
ISHARES IBONDS DEC 2030 TERM CORPORATE ETF	ETF	46436E726	517,447	24,339	SH		SOLE	0	0	0	24,339
VANGUARD SMALL CAP VALUE ETF	ETF	922908611	1,524,600	8,353	SH		SOLE	0	0	0	8,353
SPDR BLOOMBERG 3-12 MONTH T-BILL ETF	ETF	78468R523	207,087	2,084	SH		SOLE	0	0	0	2,084
REGENERON PHARMACEUTICALS COM	Stock	75886F107	403,596	384	SH		SOLE	0	0	0	384
DIMENSIONAL INTERNATIONAL CORE EQUITY MARKET ETF	ETF	25434V203	477,450	16,092	SH		SOLE	0	0	0	16,092
IMMUNOPRECISE ANTIBODIES LTD COM NEW	Stock	45257F200	27,076	26,808	SH		SOLE	0	0	0	26,808
DIMENSIONAL EMERGING CORE EQUITY MARKET ETF	ETF	25434V302	1,686,388	65,187	SH		SOLE	0	0	0	65,187
SCHWAB US AGGREGATE BOND ETF	ETF	808524839	911,245	19,992	SH		SOLE	0	0	0	19,992
SCHWAB US DIVIDEND EQUITY ETF	ETF	808524797	3,247,473	41,763	SH		SOLE	0	0	0	41,762
INVESCO BULLETSHARES 2030 MUNICIPAL BOND ETF	ETF	46138J445	204,240	9,381	SH		SOLE	0	0	0	9,381
VANGUARD ULTRA-SHORT BOND ETF	ETF	92203C303	786,724	15,887	SH		SOLE	0	0	0	15,887
VISA INC COM CL A	Stock	92826C839	630,664	2,403	SH		SOLE	0	0	0	2,402
DIMENSIONAL U.S. CORE EQUITY 2 ETF	ETF	25434V708	665,256	20,634	SH		SOLE	0	0	0	20,634
DIMENSIONAL U.S. TARGETED VALUE ETF	ETF	25434V609	7,095,881	136,801	SH		SOLE	0	0	0	136,801
DIMENSIONAL U.S. EQUITY ETF	ETF	25434V401	325,264	5,527	SH		SOLE	0	0	0	5,527
ISHARES IBONDS DEC 2031 TERM CORPORATE ETF	ETF	46436E486	702,886	34,642	SH		SOLE	0	0	0	34,642
DIMENSIONAL WORLD EX U.S. CORE EQUITY 2 ETF	ETF	25434V880	2,812,388	110,637	SH		SOLE	0	0	0	110,636
AVANTIS U.S. LARGE CAP VALUE ETF	ETF	025072349	283,785	4,516	SH		SOLE	0	0	0	4,516
INVESCO BULLETSHARES 2031 MUNICIPAL BOND ETF	ETF	46138J411	412,996	19,704	SH		SOLE	0	0	0	19,704
VANGUARD VALUE ETF	ETF	922908744	1,510,770	9,418	SH		SOLE	0	0	0	9,418
VANGUARD GROWTH ETF	ETF	922908736	4,090,867	10,938	SH		SOLE	0	0	0	10,937
SPDR BLOOMBERG SHORT TERM HIGH YIELD BOND ETF	ETF	78468R408	280,688	11,241	SH		SOLE	0	0	0	11,241
DIMENSIONAL SHORT-DURATION FIXED INCOME ETF	ETF	25434V864	5,603,105	119,215	SH		SOLE	0	0	0	119,215
META PLATFORMS INC CL A	Stock	30303M102	3,189,485	6,326	SH		SOLE	0	0	0	6,325
DIMENSIONAL US REAL ESTATE ETF	ETF	25434V823	3,781,376	171,103	SH		SOLE	0	0	0	171,103
DIMENSIONAL US SMALL CAP VALUE ETF	ETF	25434V815	2,042,027	70,953	SH		SOLE	0	0	0	70,953
DIMENSIONAL INTERNATIONAL SMALL CAP VALUE ETF	ETF	25434V781	2,010,369	74,721	SH		SOLE	0	0	0	74,721
DIMENSIONAL INTERNATIONAL CORE EQUITY 2 ETF	ETF	25434V799	603,671	22,962	SH		SOLE	0	0	0	22,962
DIMENSIONAL US MARKETWIDE VALUE ETF	ETF	25434V724	5,088,036	129,565	SH		SOLE	0	0	0	129,565
PALO ALTO NETWORKS INC COM	Stock	697435105	240,697	710	SH		SOLE	0	0	0	710
ISHARES IBONDS DEC 2032 TERM CORPORATE ETF	ETF	46436E312	639,531	26,040	SH		SOLE	0	0	0	26,039
WP CAREY INC COM	REIT	92936U109	1,797,724	32,656	SH		SOLE	0	0	0	32,656
BROADCOM INC COM	Stock	11135F101	1,726,289	1,075	SH		SOLE	0	0	0	1,075
VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF	ETF	922020805	6,785,941	139,801	SH		SOLE	0	0	0	139,801
ISHARES CORE MSCI EAFE ETF	ETF	46432F842	462,564	6,368	SH		SOLE	0	0	0	6,367
DIMENSIONAL US LARGE CAP VALUE ETF	ETF	25434V666	1,290,542	44,640	SH		SOLE	0	0	0	44,640
WISDOMTREE U.S. TOTAL DIVIDEND FUND	ETF	97717W109	349,480	4,934	SH		SOLE	0	0	0	4,934
ACCENTURE PLC IRELAND SHS CLASS A	Stock	G1151C101	352,259	1,161	SH		SOLE	0	0	0	1,161
NVIDIA CORPORATION COM	Stock	67066G104	3,614,927	29,261	SH		SOLE	0	0	0	29,261
ISHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF	ETF	464288646	3,027,816	59,091	SH		SOLE	0	0	0	59,090
ABBVIE INC COM	Stock	00287Y109	226,986	1,323	SH		SOLE	0	0	0	1,323
PGIM GLOBAL HIGH YIELD FD FORM COM	CEF	69346J106	306,076	25,764	SH		SOLE	0	0	0	25,764
VANGUARD FTSE ALL-WORLD EX-US INDEX FUND	ETF	922042775	1,193,416	20,352	SH		SOLE	0	0	0	20,351
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS	ADR	874039100	621,371	3,575	SH		SOLE	0	0	0	3,575
BLACKSTONE INC COM	Stock	09260D107	555,491	4,487	SH		SOLE	0	0	0	4,487
ISHARES MSCI GLOBAL ENERGY PRODUCERS ETF	ETF	464286343	380,338	14,640	SH		SOLE	0	0	0	14,640
QUALCOMM INC COM	Stock	747525103	1,818,410	9,129	SH		SOLE	0	0	0	9,129
CISCO SYS INC COM	Stock	17275R102	828,073	17,429	SH		SOLE	0	0	0	17,429
ADVANCED MICRO DEVICES INC COM	Stock	007903107	1,568,084	9,667	SH		SOLE	0	0	0	9,667
ENERGY SELECT SECTOR SPDR FUND	ETF	81369Y506	312,706	3,431	SH		SOLE	0	0	0	3,430
ISHARES U.S. TECHNOLOGY ETF	ETF	464287721	264,880	1,760	SH		SOLE	0	0	0	1,760
ISHARES S&P 500 VALUE ETF	ETF	464287408	502,145	2,759	SH		SOLE	0	0	0	2,758
LULULEMON ATHLETICA INC COM	Stock	550021109	436,102	1,460	SH		SOLE	0	0	0	1,460
ISHARES S&P 500 GROWTH ETF	ETF	464287309	507,674	5,486	SH		SOLE	0	0	0	5,486
ISHARES CORE S&P 500 ETF	ETF	464287200	27,465,603	50,190	SH		SOLE	0	0	0	50,190
ISHARES IBONDS DEC 2026 TERM CORPORATE ETF	ETF	46435GAA0	281,886	11,834	SH		SOLE	0	0	0	11,834
DIMENSIONAL EMERGING MARKETS CORE EQUITY 2 ETF	ETF	25434V732	4,987,828	186,600	SH		SOLE	0	0	0	186,600
WELLS FARGO CO NEW COM	Stock	949746101	252,979	4,260	SH		SOLE	0	0	0	4,259
SALESFORCE INC COM	Stock	79466L302	308,796	1,201	SH		SOLE	0	0	0	1,201
LOCKHEED MARTIN CORP COM	Stock	539830109	936,997	2,006	SH		SOLE	0	0	0	2,005
JPMORGAN CHASE & CO. COM	Stock	46625H100	5,152,665	25,475	SH		SOLE	0	0	0	25,475
CHEVRON CORP NEW COM	Stock	166764100	1,805,405	11,542	SH		SOLE	0	0	0	11,542
VANGUARD FTSE DEVELOPED MARKETS ETF	ETF	921943858	4,665,718	94,410	SH		SOLE	0	0	0	94,409
BANK AMERICA CORP COM	Stock	060505104	896,119	22,533	SH		SOLE	0	0	0	22,532
SPDR PORTFOLIO S&P 1500 COMPOSITE STOCK MARKET ETF	ETF	78464A805	315,289	4,752	SH		SOLE	0	0	0	4,751
INTERNATIONAL BUSINESS MACHS COM	Stock	459200101	315,267	1,823	SH		SOLE	0	0	0	1,822
VANGUARD FTSE EMERGING MARKETS ETF	ETF	922042858	859,672	19,645	SH		SOLE	0	0	0	19,645
VANGUARD HIGH DIVIDEND YIELD INDEX ETF	ETF	921946406	663,963	5,598	SH		SOLE	0	0	0	5,598
PFIZER INC COM	Stock	717081103	628,536	22,464	SH		SOLE	0	0	0	22,463
ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF	ETF	464287242	542,247	5,062	SH		SOLE	0	0	0	5,062
CATERPILLAR INC COM	Stock	149123101	457,978	1,375	SH		SOLE	0	0	0	1,374
ALPHABET INC CAP STK CL C	Stock	02079K107	653,108	3,561	SH		SOLE	0	0	0	3,560
AMGEN INC COM	Stock	031162100	1,114,988	3,569	SH		SOLE	0	0	0	3,568
VANGUARD DIVIDEND APPRECIATION ETF	ETF	921908844	1,046,595	5,733	SH		SOLE	0	0	0	5,733
ISHARES CORE U.S. AGGREGATE BOND ETF	ETF	464287226	498,940	5,140	SH		SOLE	0	0	0	5,140
VANGUARD SHORT-TERM BOND ETF	ETF	921937827	1,012,725	13,204	SH		SOLE	0	0	0	13,203
LAM RESEARCH CORP COM	Stock	512807108	2,588,178	2,431	SH		SOLE	0	0	0	2,430
EXXON MOBIL CORP COM	Stock	30231G102	445,607	3,871	SH		SOLE	0	0	0	3,870
SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF	ETF	78463X889	10,236,905	291,816	SH		SOLE	0	0	0	291,816
BLACKROCK INC COM	Stock	09247X101	303,296	385	SH		SOLE	0	0	0	385
ISHARES CORE S&P MID-CAP ETF	ETF	464287507	334,304	5,713	SH		SOLE	0	0	0	5,712
ISHARES MSCI EAFE ETF	ETF	464287465	382,642	4,885	SH		SOLE	0	0	0	4,885
APPLE INC COM	Stock	037833100	17,980,969	85,372	SH		SOLE	0	0	0	85,371
DISNEY WALT CO COM	Stock	254687106	376,838	3,795	SH		SOLE	0	0	0	3,795