Willow Creek Wealth Management Inc.
In its 13F for Q1 2024 (holdings as of March 31, 2024, filed July 25, 2025), Willow Creek Wealth Management Inc. reported 153 stock positions worth $855.3 million. Its top holding was Dimensional US Target Value (DFAT) at 11.3% of the portfolio, followed by Vanguard Short-Term Bond ETF (BSV, 9.7%) and SS SPDR P Agg Bond ETF (SPAB, 9.4%). Compared with Q4 2023, it opened 10 new positions, sold out of 2, added to 70 and reduced 45. The biggest buy was Dimensional US Eq MKT ETF (DFUS, shares +6%) and the biggest sale Fastly Class A (FSLY, shares −49%).
- Most Recent 13F
- Q3 2025
- Location
- Sebastopol, CA
- CIK
- 0001632407
- Portfolio Value
- $855.3M (Q1 2024)
- SEC Filing
- 0001580642-25-004469 ↗ filed Jul 25, 2025
Holdings Value
Holdings 153 stocks · $855.3M
| DFAT Dimensional US Target Value | 11.30% | 1,775,099 | $96.6M | Add +1.6% |
| BSV Vanguard Short-Term Bond ETF | 9.69% | 1,080,402 | $82.8M | Add +5.0% |
| SPAB SS SPDR P Agg Bond ETF | 9.36% | 3,166,561 | $80.1M | Add +1.8% |
| DFUV Dimensional US Marketwide Va | 5.37% | 1,123,516 | $46.0M | Reduce -1.6% |
| DFUS Dimensional US Eq MKT ETF | 4.16% | 623,865 | $35.5M | Add +5.7% |
| SUB iShares Short-Term National | 4.11% | 335,788 | $35.2M | Add +7.9% |
| VTEB Vanguard Tax-Exempt Bond ETF | 3.83% | 647,010 | $32.7M | Add +1.1% |
| BIV Vanguard Intermediate-Term B | 3.50% | 397,320 | $30.0M | Add +11.4% |
| SPSB SS SPDR P St C Corp. ETF | 3.24% | 931,284 | $27.7M | Add +7.9% |
| DFIV Dimensional International Va | 3.24% | 754,181 | $27.7M | Add +0.8% |
| SCHP Schwab U.S. Tips ETF | 2.46% | 403,566 | $21.1M | Add +13.9% |
| SPTS SS SPDR P St Term TSY ETF | 2.19% | 648,513 | $18.8M | Add +4.0% |
| DFAI Dimensional International Co. | 2.13% | 602,050 | $18.2M | Add +12.9% |
| SPIB SS SPDR P Int C Corp. ETF | 2.11% | 551,916 | $18.0M | Add +10.3% |
| AVLV Avantis US Large Cap Value | 2.02% | 269,107 | $17.3M | Add +14.7% |
| SPIP SS SPDR P Tips ETF | 1.69% | 564,063 | $14.5M | Add +0.8% |
| DFEM Dimensional Emrg MRKT Core | 1.69% | 566,494 | $14.4M | Add +15.8% |
| SPTI SS SPDR P Int Term TSY ETF | 1.59% | 483,813 | $13.6M | Add +11.9% |
| COST Costco Wholesale Corp. | 1.46% | 16,996 | $12.5M | Reduce -1.4% |
| AVDV Avantis Intl S/C Value ETF | 1.43% | 185,331 | $12.2M | Add +12.5% |
| DFAU Dimensional US Core Equity M | 1.36% | 318,997 | $11.7M | Add +0.0% |
| AVSD Avantis Reps Intern Equi ETF | 1.23% | 185,366 | $10.6M | Reduce -5.6% |
| AAPL Apple Inc. | 1.23% | 61,238 | $10.5M | Reduce -1.2% |
| AVUV Avantis US Small Cap Value | 1.09% | 99,324 | $9.3M | Add +2.4% |
| DFAR Dimensional US Real Est ETF | 1.07% | 410,333 | $9.2M | Reduce -2.9% |
| DFAX Dimensional World Ex US Core | 0.90% | 304,087 | $7.7M | Reduce -0.7% |
| BIL SS SPDR BB 1-3M T-Bill ETF | 0.79% | 73,472 | $6.7M | Add +22.2% |
| SGOV iShares 0-3 Month Treasury B | 0.79% | 66,681 | $6.7M | Add +28.2% |
| VNQ Vanguard Real Estate ETF | 0.73% | 72,226 | $6.2M | Add +5.0% |
| DFGR Dim Global Real Estate ETF | 0.61% | 205,168 | $5.2M | Add +27.1% |
| CSCO Cisco Systems Inc. | 0.60% | 103,235 | $5.2M | Reduce -0.1% |
| AVSE Avantis Resp Emerg MKTS Eq-E | 0.56% | 96,747 | $4.7M | Add +0.8% |
| DFAC Dimensional US Core Equity 2 | 0.55% | 147,815 | $4.7M | Reduce -1.9% |
| DFSU Dimensional US Sus CORE1 ETF | 0.52% | 129,685 | $4.5M | Add +62.3% |
| DFAE Dimensional Emerging Core Eq | 0.48% | 165,399 | $4.1M | Reduce -8.6% |
| ESML iShares ESG Aware MSCI USA S | 0.44% | 92,707 | $3.7M | Reduce -3.4% |
| AVSU Avantis Resp US Equity ETF | 0.42% | 58,054 | $3.6M | Reduce -2.4% |
| DISV Dimensional International SM | 0.41% | 127,486 | $3.5M | Add +0.7% |
| DFSI Dimensional Int Sus COR1 ETF | 0.40% | 102,202 | $3.4M | Add +47.6% |
| VGSR Vert GLB Sust Re ETF filed as MANAGER DIRECTED PORTFOLIOS | 0.39% | 341,926 | $3.4M | Add +1.2% |
| IJH iShares Core S&P Midcap ETF | 0.30% | 41,835 | $2.5M | Add +0.2% |
| TMO Thermo Fisher Scientific Inc. | 0.30% | 4,363 | $2.5M | Reduce -0.2% |
| DFSE Dimensional Em Sus CORE1 ETF | 0.28% | 75,518 | $2.4M | Add +33.8% |
| INTU Intuit Inc. | 0.28% | 3,635 | $2.4M | Reduce -1.5% |
| SPMB SS SPDR P Mort Back Bond ETF | 0.27% | 107,994 | $2.3M | No change |
| DFAS Dimensional US Small Cap ETF | 0.26% | 36,166 | $2.3M | Reduce -0.2% |
| WRB WR Berkley Corp. filed as BERKLEY W R CORP | 0.23% | 21,928 | $1.9M | Reduce 0.0% |
| IVV iShares Core S&P 500 ETF | 0.23% | 3,661 | $1.9M | Reduce -4.8% |
| GOOG Alphabet Inc. Class C | 0.22% | 12,566 | $1.9M | Add +0.4% |
| GOOGL Alphabet Inc. Class A | 0.22% | 12,416 | $1.9M | Add +7.2% |
| DFIC Dimensional International Co. | 0.21% | 67,048 | $1.8M | Add +6.4% |
| MSFT Microsoft Corp. | 0.20% | 4,039 | $1.7M | Add +13.4% |
| IWF iShares Russell 1000 Growth | 0.18% | 4,668 | $1.6M | Reduce -3.0% |
| DFIP Dimensional Inflation-Protec | 0.18% | 36,570 | $1.5M | Add +11.6% |
| BND Vanguard Total Bond Market | 0.17% | 19,858 | $1.4M | Reduce -13.4% |
| VRSN Verisign Inc. | 0.17% | 7,447 | $1.4M | Add +0.0% |
| V Visa Inc. Class A | 0.16% | 4,788 | $1.3M | Add +0.5% |
| FSLY Fastly Inc. Class A | 0.16% | 102,500 | $1.3M | Reduce -49.3% |
| TIP iShares Tips Bond ETF | 0.15% | 12,168 | $1.3M | Reduce -2.7% |
| VUSB Vanguard Ultra Short Bond Et | 0.15% | 25,984 | $1.3M | Add +1.2% |
| SUSB iShares ESG Aware 1-5 Year U | 0.13% | 43,904 | $1.1M | Add +3.0% |
| IJS iShares S&P Small-Cap 600 Va | 0.12% | 9,585 | $985K | No change |
| VMBS Vanguard Mortgage-Backed Sec | 0.11% | 20,084 | $916K | No change |
| ITOT iShares Core S&P Total U.S. | 0.11% | 7,838 | $904K | No change |
| SUSA iShares ESG Optimized MSCI U | 0.10% | 7,959 | $869K | No change |
| IWD iShares Russell 1000 Value E | 0.10% | 4,708 | $843K | No change |
| PG The Procter & Gamble Co. | 0.10% | 5,044 | $818K | Reduce -2.5% |
| ORCL Oracle Corp. | 0.09% | 5,893 | $740K | Add +0.1% |
| DSI iShares ESG MSCI KLD 400 ETF | 0.09% | 7,331 | $739K | No change |
| SUSC iShares ESG Aware Usd Corpor | 0.08% | 30,739 | $707K | Add +4.4% |
| VIG Vanguard Dividend Apprec ETF | 0.08% | 3,853 | $704K | Add +0.4% |
| PL Planet Labs PBC | 0.08% | 273,407 | $697K | No change |
| AVUS Avantis U.S. Equity ETF | 0.08% | 7,634 | $683K | No change |
| VTIP Vanguard Short-Term Tips | 0.08% | 14,099 | $675K | Reduce -0.7% |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.08% | 1,278 | $669K | Add +11.2% |
| PRF Invesco Rafi US 1000 ETF | 0.07% | 15,805 | $608K | No change |
| IJR iShares Core S&P Small-Cap E | 0.07% | 5,367 | $593K | No change |
| VB Vanguard Most SM-Cap ETF-Usd | 0.07% | 2,563 | $586K | No change |
| JNJ Johnson & Johnson | 0.07% | 3,598 | $569K | Reduce -8.4% |
| AFL Aflac Inc. | 0.07% | 6,584 | $565K | Add +0.0% |
| MA Mastercard Inc. Class A | 0.06% | 1,116 | $537K | Add +1.7% |
| MUB iShares National Muni Bond E | 0.06% | 4,822 | $519K | Add +121.5% |
| PGR Progressive Corp. | 0.06% | 2,451 | $507K | Reduce -8.2% |
| DFSV Dimensional US Small Cap Val | 0.06% | 16,334 | $492K | Add +0.1% |
| BRK.B Berkshire Hathaway Inc. Class B | 0.06% | 1,145 | $481K | Reduce -23.7% |
| VCEB Vanguard ESG US Corp. Bond | 0.06% | 7,507 | $471K | Add +2.3% |
| VOO Vanguard S&P 500 ETF | 0.06% | 979 | $471K | Add +1.4% |
| MRK Merck & Co. Inc. | 0.05% | 3,553 | $469K | Add +0.6% |
| JPM JPMorgan Chase & Co. | 0.05% | 2,241 | $449K | Add +4.4% |
| HON Honeywell International Inc. | 0.05% | 2,158 | $443K | Reduce -8.1% |
| VWO Vanguard Ftse Emerging Marke | 0.05% | 10,501 | $439K | Add +33.4% |
| DLN Wisdomtree US Largecap Divid | 0.05% | 5,963 | $430K | Reduce -2.4% |
| QQQ Invesco QQQ Trust Series 1 | 0.05% | 952 | $423K | No change |
| XRAY Dentsply Sirona Inc. | 0.05% | 12,708 | $422K | Add +0.0% |
| DHR Danaher Corp. | 0.05% | 1,667 | $416K | Add +0.7% |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 0.05% | 1,646 | $411K | Add +5.9% |
| DFLV Dim US Large Cap Value ETF | 0.05% | 13,693 | $411K | Add +8.7% |
| MRSH Marsh & McLennan Cos | 0.05% | 1,948 | $401K | Add +0.5% |
| PEP Pepsico Inc. | 0.05% | 2,260 | $396K | Add +10.7% |
| IXUS iShares Core Intl Stock ETF | 0.05% | 5,769 | $391K | No change |
Portfolio Sells Q4 2023 → Q1 2024
| FSLY Fastly Inc. Class A | Reduce -49.3% | 0.16% | −0.30 |
| AAPL Apple Inc. | Reduce -1.2% | 1.23% | −0.27 |
| DFAR Dimensional US Real Est ETF | Reduce -2.9% | 1.07% | −0.13 |
| AVSD Avantis Reps Intern Equi ETF | Reduce -5.6% | 1.23% | −0.09 |
| DFAE Dimensional Emerging Core Eq | Reduce -8.6% | 0.48% | −0.07 |
| CSCO Cisco Systems Inc. | Reduce -0.1% | 0.60% | −0.05 |
| BND Vanguard Total Bond Market | Reduce -13.4% | 0.17% | −0.04 |
| DFAX Dimensional World Ex US Core | Reduce -0.7% | 0.90% | −0.03 |
| TSLA Tesla Inc. | Sold out | 0.00% | −0.03 |
| NKE Nike Inc. Class B | Sold out | 0.00% | −0.03 |
| ESML iShares ESG Aware MSCI USA S | Reduce -3.4% | 0.44% | −0.02 |
| TIP iShares Tips Bond ETF | Reduce -2.7% | 0.15% | −0.02 |
| INTU Intuit Inc. | Reduce -1.5% | 0.28% | −0.01 |
| INTC Intel Corp. | Reduce -2.5% | 0.04% | −0.01 |
| BRK.B Berkshire Hathaway Inc. Class B | Reduce -23.7% | 0.06% | −0.01 |
| JNJ Johnson & Johnson | Reduce -8.4% | 0.07% | −0.01 |
| HON Honeywell International Inc. | Reduce -8.1% | 0.05% | −0.01 |
| SBUX Starbucks Corp. | Reduce -14.2% | 0.03% | −0.01 |
| DFAS Dimensional US Small Cap ETF | Reduce -0.2% | 0.26% | −0.01 |
| UNP Union Pacific Corp. | Reduce -8.3% | 0.04% | −0.01 |
| VTIP Vanguard Short-Term Tips | Reduce -0.7% | 0.08% | −0.01 |
| IVV iShares Core S&P 500 ETF | Reduce -4.8% | 0.23% | −0.01 |
| MCD McDonald's Corp. | Reduce -6.9% | 0.02% | −0.01 |
| ESGE iShares Inc. iShares ESG Awar | Reduce -8.0% | 0.03% | −0.00 |
| SHY iShares 1-3 Year Treasury Bo | Reduce -3.7% | 0.03% | −0.00 |
| TXN Texas Instruments Inc. | Reduce -2.4% | 0.04% | −0.00 |
| BAC Bank of America Corp. | Reduce -13.7% | 0.03% | −0.00 |
| IWR iShares Russell Mid-Cap ETF | Reduce -5.8% | 0.04% | −0.00 |
| AVSU Avantis Resp US Equity ETF | Reduce -2.4% | 0.42% | −0.00 |
| VV Vngrd Mrgstr LRG-Cap ETF-Usd | Reduce -7.1% | 0.04% | −0.00 |
| VTI VG Morningstar TS MKT ETF-US | Reduce -4.1% | 0.04% | −0.00 |
| DLN Wisdomtree US Largecap Divid | Reduce -2.4% | 0.05% | −0.00 |
| CSX CSX Corp. | Reduce -1.2% | 0.03% | −0.00 |
| DFAC Dimensional US Core Equity 2 | Reduce -1.9% | 0.55% | −0.00 |
| XOM Exxon Mobil Corp. | Reduce -6.6% | 0.03% | +0.00 |
| PG The Procter & Gamble Co. | Reduce -2.5% | 0.10% | +0.00 |
| IWF iShares Russell 1000 Growth | Reduce -3.0% | 0.18% | +0.00 |
| WMT Walmart Inc. | Reduce -0.7% | 0.03% | +0.00 |
| TGT Target Corp. | Reduce -3.1% | 0.03% | +0.00 |
| TMO Thermo Fisher Scientific Inc. | Reduce -0.2% | 0.30% | +0.01 |
| PGR Progressive Corp. | Reduce -8.2% | 0.06% | +0.01 |
| GE General Electric | Reduce -0.4% | 0.04% | +0.01 |
| DIS The Walt Disney Co. | Reduce -2.7% | 0.04% | +0.01 |
| META Meta Platforms Inc. Class A | Reduce -0.7% | 0.04% | +0.01 |
| COST Costco Wholesale Corp. | Reduce -1.4% | 1.46% | +0.03 |
| WRB WR Berkley Corp. | Reduce 0.0% | 0.23% | +0.03 |
| DFUV Dimensional US Marketwide Va | Reduce -1.6% | 5.37% | +0.05 |
Portfolio Buys Q4 2023 → Q1 2024
| DFUS Dimensional US Eq MKT ETF | Add +5.7% | 4.16% | +0.32 |
| AVLV Avantis US Large Cap Value | Add +14.7% | 2.02% | +0.32 |
| DFAI Dimensional International Co. | Add +12.9% | 2.13% | +0.21 |
| DFSU Dimensional US Sus CORE1 ETF | Add +62.3% | 0.52% | +0.21 |
| DFEM Dimensional Emrg MRKT Core | Add +15.8% | 1.69% | +0.16 |
| SCHP Schwab U.S. Tips ETF | Add +13.9% | 2.46% | +0.14 |
| AVDV Avantis Intl S/C Value ETF | Add +12.5% | 1.43% | +0.14 |
| SGOV iShares 0-3 Month Treasury B | Add +28.2% | 0.79% | +0.13 |
| DFSI Dimensional Int Sus COR1 ETF | Add +47.6% | 0.40% | +0.12 |
| BIL SS SPDR BB 1-3M T-Bill ETF | Add +22.2% | 0.79% | +0.10 |
| BIV Vanguard Intermediate-Term B | Add +11.4% | 3.50% | +0.09 |
| DFGR Dim Global Real Estate ETF | Add +27.1% | 0.61% | +0.09 |
| DFSE Dimensional Em Sus CORE1 ETF | Add +33.8% | 0.28% | +0.06 |
| SPIB SS SPDR P Int C Corp. ETF | Add +10.3% | 2.11% | +0.05 |
| SPTI SS SPDR P Int Term TSY ETF | Add +11.9% | 1.59% | +0.05 |
| AMZN Amazon.com Inc. | New | 0.04% | +0.04 |
| IYR iShares US Real Estate ETF | New | 0.04% | +0.04 |
| DFAU Dimensional US Core Equity M | Add +0.0% | 1.36% | +0.03 |
| VEA Vanguard Ftse Developed ETF | New | 0.03% | +0.03 |
| CGGO Cap Group Global Growth | New | 0.03% | +0.03 |
| MUB iShares National Muni Bond E | Add +121.5% | 0.06% | +0.03 |
| MSFT Microsoft Corp. | Add +13.4% | 0.20% | +0.03 |
| ETN Eaton Corp. PLC | New | 0.03% | +0.03 |
| NVDA Nvidia Corp. | New | 0.03% | +0.03 |
| A Agilent Technologies Inc. | New | 0.02% | +0.02 |
| CGXU Cap Group Intl Focus | New | 0.02% | +0.02 |
| SCZ iShares MSCI Eafe Small-Cap | New | 0.02% | +0.02 |
| MTD Mettler-Toledo International | New | 0.02% | +0.02 |
| SPSB SS SPDR P St C Corp. ETF | Add +7.9% | 3.24% | +0.02 |
| DFIV Dimensional International Va | Add +0.8% | 3.24% | +0.02 |
| GOOGL Alphabet Inc. Class A | Add +7.2% | 0.22% | +0.02 |
| VWO Vanguard Ftse Emerging Marke | Add +33.4% | 0.05% | +0.01 |
| SPY SS SPDR S&P 500 ETF Trust-US | Add +11.2% | 0.08% | +0.01 |
| LLY Eli Lilly & Co. | Add +2.3% | 0.04% | +0.01 |
| ORCL Oracle Corp. | Add +0.1% | 0.09% | +0.01 |
| DFIC Dimensional International Co. | Add +6.4% | 0.21% | +0.01 |
| DFIP Dimensional Inflation-Protec | Add +11.6% | 0.18% | +0.01 |
| IJH iShares Core S&P Midcap ETF | Add +0.2% | 0.30% | +0.01 |
| JPM JPMorgan Chase & Co. | Add +4.4% | 0.05% | +0.01 |
| MRK Merck & Co. Inc. | Add +0.6% | 0.05% | +0.01 |
| DFLV Dim US Large Cap Value ETF | Add +8.7% | 0.05% | +0.01 |
| MA Mastercard Inc. Class A | Add +1.7% | 0.06% | +0.00 |
| HD Home Depot Inc. | Add +9.8% | 0.03% | +0.00 |
| NSC Norfolk Southern Corp. | Add +7.5% | 0.04% | +0.00 |
| PEP Pepsico Inc. | Add +10.7% | 0.05% | +0.00 |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | Add +5.9% | 0.05% | +0.00 |
| GOOG Alphabet Inc. Class C | Add +0.4% | 0.22% | +0.00 |
| VOO Vanguard S&P 500 ETF | Add +1.4% | 0.06% | +0.00 |
| CTAS Cintas Corp. | Add +1.1% | 0.03% | +0.00 |
| MRSH Marsh & McLennan Cos | Add +0.5% | 0.05% | +0.00 |
All Filings
| Quarter | Positions | 13F Reported Value | Top Holdings |
|---|---|---|---|
| Q3 2025 | 180 | $1.2B | DFAT, BSV, SPAB, DFUS, DFUV |
| Q2 2025 | 167 | $1.1B | DFAT, BSV, SPAB, DFUS, DFUV |
| Q1 2025 | 155 | $1.0B | BSV, DFAT, SPAB, DFUV, DFUS |
| Q4 2024 | 153 | $980.9M | DFAT, BSV, SPAB, DFUS, DFUV |
| Q3 2024 | 155 | $951.3M | DFAT, BSV, SPAB, DFUV, DFUS |
| Q2 2024 | 149 | $879.2M | DFAT, BSV, SPAB, DFUV, DFUS |
| Q1 2024 | 153 | $855.3M | DFAT, BSV, SPAB, DFUV, DFUS |