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

0$500.0M$1.0B$1.5B Q1 2024: $855.3M $855.3M Q1 2024 Q2 2024: $879.2M Q2 2024 Q3 2024: $951.3M Q3 2024 Q4 2024: $980.9M Q4 2024 Q1 2025: $1.0B Q1 2025 Q2 2025: $1.1B Q2 2025 Q3 2025: $1.2B Q3 2025

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
AMZN Amazon.com Inc. 0.04% 2,125 $383K New
DIS The Walt Disney Co. filed as DISNEY WALT CO 0.04% 3,131 $383K Reduce -2.7%
LLY Eli Lilly & Co. 0.04% 491 $382K Add +2.3%
ADBE Adobe Inc. 0.04% 751 $379K No change
INTC Intel Corp. 0.04% 8,513 $376K Reduce -2.5%
TXN Texas Instruments Inc. 0.04% 2,158 $376K Reduce -2.4%
ORLY O'reilly Automotive Inc. 0.04% 326 $368K No change
IWR iShares Russell Mid-Cap ETF 0.04% 4,273 $359K Reduce -5.8%
IYR iShares US Real Estate ETF 0.04% 3,934 $354K New
ACN Accenture PLC Class A 0.04% 1,020 $354K Add +2.6%
AVRE Avantis Real Estate ETF 0.04% 8,354 $353K Add +7.3%
IWV iShares Russell 3000 ETF 0.04% 1,159 $348K No change
IWB iShares Russell 1000 ETF 0.04% 1,190 $343K No change
UNP Union Pacific Corp. 0.04% 1,390 $342K Reduce -8.3%
META Meta Platforms Inc. Class A 0.04% 696 $338K Reduce -0.7%
AGG iShares Core U.S. Aggregate 0.04% 3,378 $331K No change
EFA iShares MSCI Eafe ETF 0.04% 4,121 $329K No change
VV Vngrd Mrgstr LRG-Cap ETF-Usd 0.04% 1,371 $329K Reduce -7.1%
GE General Electric 0.04% 1,846 $324K Reduce -0.4%
NSC Norfolk Southern Corp. 0.04% 1,243 $317K Add +7.5%
VTI VG Morningstar TS MKT ETF-US 0.04% 1,205 $313K Reduce -4.1%
ICE Intercontinental Exchange Inc. 0.04% 2,219 $305K Add +0.1%
TGT Target Corp. 0.03% 1,649 $292K Reduce -3.1%
SHY iShares 1-3 Year Treasury Bo 0.03% 3,537 $289K Reduce -3.7%
VEA Vanguard Ftse Developed ETF 0.03% 5,710 $286K New
VBR Vngrd Mrngst SL-CP Val ETF-U 0.03% 1,481 $284K No change
HD Home Depot Inc. 0.03% 739 $283K Add +9.8%
CGGO Cap Group Global Growth filed as CAPITAL GROUP GBL GROWTH EQT 0.03% 9,842 $283K New
WMT Walmart Inc. 0.03% 4,671 $281K Reduce -0.7%
BAC Bank of America Corp. filed as BANK AMERICA CORP 0.03% 7,010 $266K Reduce -13.7%
SBUX Starbucks Corp. 0.03% 2,843 $260K Reduce -14.2%
CTAS Cintas Corp. 0.03% 368 $253K Add +1.1%
NEE Nextera Energy Inc. 0.03% 3,877 $248K Add +2.9%
MS Morgan Stanley 0.03% 2,622 $247K Add +0.5%
IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS 0.03% 1,292 $247K No change
IGM iShares Expanded Tech Sector 0.03% 2,862 $247K No change
UNH Unitedhealth Group Inc. 0.03% 494 $244K Add +1.2%
XOM Exxon Mobil Corp. 0.03% 2,071 $241K Reduce -6.6%
AVEM Avantis Emerging Markets Eq 0.03% 4,118 $239K No change
PSA Public Storage 0.03% 789 $229K No change
ETN Eaton Corp. PLC 0.03% 719 $225K New
ESGE iShares Inc. iShares ESG Awar 0.03% 6,838 $220K Reduce -8.0%
NVDA Nvidia Corp. 0.03% 243 $220K New
EXPO Exponent Inc. 0.03% 2,650 $219K No change
CSX CSX Corp. 0.03% 5,787 $215K Reduce -1.2%
MMM 3M Co. 0.02% 1,988 $211K No change
MCD McDonald's Corp. 0.02% 747 $211K Reduce -6.9%
A Agilent Technologies Inc. 0.02% 1,413 $206K New
SNY Sanofi-ADR 0.02% 4,171 $203K No change
CGXU Cap Group Intl Focus filed as CAPITAL GROUP INTL FOCUS EQT 0.02% 7,819 $202K New
MTD Mettler-Toledo International 0.02% 151 $201K New
SCZ iShares MSCI Eafe Small-Cap 0.02% 3,173 $201K New
F Ford Motor Co. filed as FORD MTR CO DEL 0.02% 12,363 $164K Add +0.3%

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

QuarterPositions13F Reported ValueTop Holdings
Q3 2025 180$1.2BDFAT, BSV, SPAB, DFUS, DFUV
Q2 2025 167$1.1BDFAT, BSV, SPAB, DFUS, DFUV
Q1 2025 155$1.0BBSV, DFAT, SPAB, DFUV, DFUS
Q4 2024 153$980.9MDFAT, BSV, SPAB, DFUS, DFUV
Q3 2024 155$951.3MDFAT, BSV, SPAB, DFUV, DFUS
Q2 2024 149$879.2MDFAT, BSV, SPAB, DFUV, DFUS
Q1 2024 153$855.3MDFAT, BSV, SPAB, DFUV, DFUS