Willow Creek Wealth Management Inc.
In its 13F for Q2 2024 (holdings as of June 30, 2024, filed July 25, 2025), Willow Creek Wealth Management Inc. reported 149 stock positions worth $879.2 million. Its top holding was Dimensional US Target Value (DFAT) at 10.7% of the portfolio, followed by Vanguard Short-Term Bond ETF (BSV, 10.0%) and SS SPDR P Agg Bond ETF (SPAB, 9.2%). Compared with Q1 2024, it opened 3 new positions, sold out of 7, added to 63 and reduced 54. The biggest buy was Dimensional US Eq MKT ETF (DFUS, shares +7%) and the biggest sale Dimensional US Marketwide Va (DFUV, shares −2%).
- Most Recent 13F
- Q3 2025
- Location
- Sebastopol, CA
- CIK
- 0001632407
- Portfolio Value
- $879.2M (Q2 2024)
- SEC Filing
- 0001580642-25-004470 ↗ filed Jul 25, 2025
Holdings Value
Holdings 149 stocks · $879.2M
| DFAT Dimensional US Target Value | 10.66% | 1,807,327 | $93.7M | Add +1.8% |
| BSV Vanguard Short-Term Bond ETF | 9.98% | 1,143,648 | $87.7M | Add +5.8% |
| SPAB SS SPDR P Agg Bond ETF | 9.22% | 3,230,583 | $81.1M | Add +2.0% |
| DFUV Dimensional US Marketwide Va | 4.91% | 1,100,290 | $43.2M | Reduce -2.1% |
| DFUS Dimensional US Eq MKT ETF | 4.46% | 666,296 | $39.2M | Add +6.8% |
| SUB iShares Short-Term National | 3.94% | 330,931 | $34.6M | Reduce -1.4% |
| VTEB Vanguard Tax-Exempt Bond ETF | 3.77% | 661,211 | $33.1M | Add +2.2% |
| BIV Vanguard Intermediate-Term B | 3.68% | 431,890 | $32.3M | Add +8.7% |
| SPSB SS SPDR P St C Corp. ETF | 3.26% | 966,409 | $28.7M | Add +3.8% |
| DFIV Dimensional International Va | 3.05% | 746,492 | $26.8M | Reduce -1.0% |
| SCHP Schwab U.S. Tips ETF | 2.75% | 464,540 | $24.2M | Add +15.1% |
| DFAI Dimensional International Co. | 2.30% | 681,614 | $20.2M | Add +13.2% |
| SPIB SS SPDR P Int C Corp. ETF | 2.15% | 579,169 | $18.9M | Add +4.9% |
| AVLV Avantis US Large Cap Value | 2.13% | 298,687 | $18.8M | Add +11.0% |
| SPTS SS SPDR P St Term TSY ETF | 2.08% | 632,644 | $18.3M | Reduce -2.5% |
| DFEM Dimensional Emrg MRKT Core | 1.91% | 629,603 | $16.8M | Add +11.1% |
| SPIP SS SPDR P Tips ETF | 1.65% | 569,233 | $14.5M | Add +0.9% |
| COST Costco Wholesale Corp. | 1.64% | 16,996 | $14.4M | No change |
| AVDV Avantis Intl S/C Value ETF | 1.51% | 204,319 | $13.3M | Add +10.3% |
| AAPL Apple Inc. | 1.49% | 62,008 | $13.1M | Add +1.3% |
| SPTI SS SPDR P Int Term TSY ETF | 1.45% | 455,125 | $12.8M | Reduce -5.9% |
| DFAU Dimensional US Core Equity M | 1.36% | 320,080 | $12.0M | Add +0.3% |
| AVSD Avantis Reps Intern Equi ETF | 1.17% | 185,638 | $10.3M | Add +0.1% |
| DFAR Dimensional US Real Est ETF | 1.08% | 427,941 | $9.5M | Add +4.3% |
| AVUV Avantis US Small Cap Value | 1.02% | 99,833 | $9.0M | Add +0.5% |
| DFAX Dimensional World Ex US Core | 0.86% | 296,434 | $7.5M | Reduce -2.5% |
| DFGR Dim Global Real Estate ETF | 0.80% | 281,301 | $7.0M | Add +37.1% |
| DFSU Dimensional US Sus CORE1 ETF | 0.73% | 184,806 | $6.4M | Add +42.5% |
| BIL SS SPDR BB 1-3M T-Bill ETF | 0.69% | 65,786 | $6.0M | Reduce -10.5% |
| VNQ Vanguard Real Estate ETF | 0.68% | 71,814 | $6.0M | Reduce -0.6% |
| SGOV iShares 0-3 Month Treasury B | 0.68% | 59,042 | $5.9M | Reduce -11.5% |
| AVSE Avantis Resp Emerg MKTS Eq-E | 0.57% | 97,430 | $5.0M | Add +0.7% |
| CSCO Cisco Systems Inc. | 0.56% | 103,330 | $4.9M | Add +0.1% |
| DFAC Dimensional US Core Equity 2 | 0.54% | 147,099 | $4.7M | Reduce -0.5% |
| DFSI Dimensional Int Sus COR1 ETF | 0.52% | 139,986 | $4.6M | Add +37.0% |
| DFAE Dimensional Emerging Core Eq | 0.50% | 170,915 | $4.4M | Add +3.3% |
| VGSR Vert GLB Sust Re ETF filed as MANAGER DIRECTED PORTFOLIOS | 0.44% | 402,632 | $3.9M | Add +17.8% |
| ESML iShares ESG Aware MSCI USA S | 0.41% | 94,038 | $3.6M | Add +1.4% |
| AVSU Avantis Resp US Equity ETF | 0.41% | 58,532 | $3.6M | Add +0.8% |
| DISV Dimensional International SM | 0.39% | 126,824 | $3.4M | Reduce -0.5% |
| DFSE Dimensional Em Sus CORE1 ETF | 0.35% | 91,614 | $3.1M | Add +21.3% |
| IJH iShares Core S&P Midcap ETF | 0.28% | 42,478 | $2.5M | Add +1.5% |
| TMO Thermo Fisher Scientific Inc. | 0.27% | 4,368 | $2.4M | Add +0.1% |
| INTU Intuit Inc. | 0.27% | 3,627 | $2.4M | Reduce -0.2% |
| GOOG Alphabet Inc. Class C | 0.27% | 12,904 | $2.4M | Add +2.7% |
| GOOGL Alphabet Inc. Class A | 0.26% | 12,429 | $2.3M | Add +0.1% |
| DFAS Dimensional US Small Cap ETF | 0.25% | 36,013 | $2.2M | Reduce -0.4% |
| SPMB SS SPDR P Mort Back Bond ETF | 0.23% | 92,887 | $2.0M | Reduce -14.0% |
| IVV iShares Core S&P 500 ETF | 0.23% | 3,659 | $2.0M | Reduce -0.1% |
| BND Vanguard Total Bond Market | 0.21% | 26,073 | $1.9M | Add +31.3% |
| MSFT Microsoft Corp. | 0.20% | 3,996 | $1.8M | Reduce -1.1% |
| DFIC Dimensional International Co. | 0.20% | 67,621 | $1.8M | Add +0.8% |
| WRB WR Berkley Corp. filed as BERKLEY W R CORP | 0.20% | 21,928 | $1.7M | No change |
| IWF iShares Russell 1000 Growth | 0.19% | 4,600 | $1.7M | Reduce -1.5% |
| DFIP Dimensional Inflation-Protec | 0.17% | 36,842 | $1.5M | Add +0.7% |
| VRSN Verisign Inc. | 0.15% | 7,447 | $1.3M | No change |
| TIP iShares Tips Bond ETF | 0.15% | 12,111 | $1.3M | Reduce -0.5% |
| VMBS Vanguard Mortgage-Backed Sec | 0.14% | 27,440 | $1.2M | Add +36.6% |
| V Visa Inc. Class A | 0.14% | 4,719 | $1.2M | Reduce -1.4% |
| VUSB Vanguard Ultra Short Bond Et | 0.12% | 21,939 | $1.1M | Reduce -15.6% |
| SUSB iShares ESG Aware 1-5 Year U | 0.12% | 42,869 | $1.0M | Reduce -2.4% |
| ITOT iShares Core S&P Total U.S. | 0.11% | 8,099 | $962K | Add +3.3% |
| IJS iShares S&P Small-Cap 600 Va | 0.11% | 9,547 | $929K | Reduce -0.4% |
| PG The Procter & Gamble Co. | 0.10% | 5,318 | $877K | Add +5.4% |
| SUSA iShares ESG Optimized MSCI U | 0.10% | 7,679 | $863K | Reduce -3.5% |
| ORCL Oracle Corp. | 0.09% | 5,905 | $834K | Add +0.2% |
| IWD iShares Russell 1000 Value E | 0.09% | 4,679 | $816K | Reduce -0.6% |
| DSI iShares ESG MSCI KLD 400 ETF | 0.09% | 7,309 | $759K | Reduce -0.3% |
| FSLY Fastly Inc. Class A | 0.09% | 102,500 | $755K | No change |
| VIG Vanguard Dividend Apprec ETF | 0.08% | 4,089 | $746K | Add +6.1% |
| SUSC iShares ESG Aware Usd Corpor | 0.08% | 31,972 | $726K | Add +4.0% |
| AVUS Avantis U.S. Equity ETF | 0.08% | 7,634 | $689K | No change |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.08% | 1,258 | $685K | Reduce -1.6% |
| VTIP Vanguard Short-Term Tips | 0.08% | 14,051 | $682K | Reduce -0.3% |
| IJR iShares Core S&P Small-Cap E | 0.07% | 6,027 | $643K | Add +12.3% |
| PRF Invesco Rafi US 1000 ETF | 0.07% | 15,805 | $600K | No change |
| AFL Aflac Inc. | 0.07% | 6,583 | $588K | Reduce -0.0% |
| VB Vanguard Most SM-Cap ETF-Usd | 0.06% | 2,563 | $559K | No change |
| JNJ Johnson & Johnson | 0.06% | 3,564 | $521K | Reduce -0.9% |
| MUB iShares National Muni Bond E | 0.06% | 4,850 | $517K | Add +0.6% |
| PL Planet Labs PBC | 0.06% | 273,407 | $509K | No change |
| PGR Progressive Corp. | 0.06% | 2,406 | $500K | Reduce -1.8% |
| BRK.B Berkshire Hathaway Inc. Class B | 0.06% | 1,228 | $500K | Add +7.3% |
| VOO Vanguard S&P 500 ETF | 0.06% | 977 | $489K | Reduce -0.2% |
| MA Mastercard Inc. Class A | 0.06% | 1,098 | $484K | Reduce -1.6% |
| MRK Merck & Co. Inc. | 0.05% | 3,849 | $477K | Add +8.3% |
| DFSV Dimensional US Small Cap Val | 0.05% | 16,334 | $470K | No change |
| VWO Vanguard Ftse Emerging Marke | 0.05% | 10,501 | $460K | No change |
| HON Honeywell International Inc. | 0.05% | 2,140 | $457K | Reduce -0.8% |
| JPM JPMorgan Chase & Co. | 0.05% | 2,244 | $454K | Add +0.1% |
| QQQ Invesco QQQ Trust Series 1 | 0.05% | 927 | $444K | Reduce -2.6% |
| LLY Eli Lilly & Co. | 0.05% | 480 | $435K | Reduce -2.2% |
| VCEB Vanguard ESG US Corp. Bond | 0.05% | 6,959 | $432K | Reduce -7.3% |
| AMZN Amazon.com Inc. | 0.05% | 2,200 | $425K | Add +3.5% |
| TXN Texas Instruments Inc. | 0.05% | 2,149 | $418K | Reduce -0.4% |
| ADBE Adobe Inc. | 0.05% | 749 | $416K | Reduce -0.3% |
| DHR Danaher Corp. | 0.05% | 1,662 | $415K | Reduce -0.3% |
| DLN Wisdomtree US Largecap Divid | 0.05% | 5,683 | $413K | Reduce -4.7% |
| MRSH Marsh & McLennan Cos | 0.05% | 1,940 | $409K | Reduce -0.4% |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 0.05% | 1,646 | $398K | No change |
Portfolio Sells Q1 2024 → Q2 2024
| DFUV Dimensional US Marketwide Va | Reduce -2.1% | 4.91% | −0.46 |
| DFIV Dimensional International Va | Reduce -1.0% | 3.05% | −0.19 |
| SUB iShares Short-Term National | Reduce -1.4% | 3.94% | −0.18 |
| SPTI SS SPDR P Int Term TSY ETF | Reduce -5.9% | 1.45% | −0.14 |
| SPTS SS SPDR P St Term TSY ETF | Reduce -2.5% | 2.08% | −0.12 |
| SGOV iShares 0-3 Month Treasury B | Reduce -11.5% | 0.68% | −0.11 |
| BIL SS SPDR BB 1-3M T-Bill ETF | Reduce -10.5% | 0.69% | −0.10 |
| DFAX Dimensional World Ex US Core | Reduce -2.5% | 0.86% | −0.05 |
| SPMB SS SPDR P Mort Back Bond ETF | Reduce -14.0% | 0.23% | −0.05 |
| VNQ Vanguard Real Estate ETF | Reduce -0.6% | 0.68% | −0.05 |
| VUSB Vanguard Ultra Short Bond Et | Reduce -15.6% | 0.12% | −0.03 |
| EXPO Exponent Inc. | Sold out | 0.00% | −0.03 |
| CSX CSX Corp. | Sold out | 0.00% | −0.03 |
| MMM 3M Co. | Sold out | 0.00% | −0.02 |
| MCD McDonald's Corp. | Sold out | 0.00% | −0.02 |
| A Agilent Technologies Inc. | Sold out | 0.00% | −0.02 |
| SCZ iShares MSCI Eafe Small-Cap | Sold out | 0.00% | −0.02 |
| F Ford Motor Co. | Sold out | 0.00% | −0.02 |
| DFAS Dimensional US Small Cap ETF | Reduce -0.4% | 0.25% | −0.02 |
| DISV Dimensional International SM | Reduce -0.5% | 0.39% | −0.02 |
| V Visa Inc. Class A | Reduce -1.4% | 0.14% | −0.02 |
| INTC Intel Corp. | Reduce -0.1% | 0.03% | −0.01 |
| XRAY Dentsply Sirona Inc. | Reduce -0.1% | 0.04% | −0.01 |
| DFAC Dimensional US Core Equity 2 | Reduce -0.5% | 0.54% | −0.01 |
| IJS iShares S&P Small-Cap 600 Va | Reduce -0.4% | 0.11% | −0.01 |
| MA Mastercard Inc. Class A | Reduce -1.6% | 0.06% | −0.01 |
| JNJ Johnson & Johnson | Reduce -0.9% | 0.06% | −0.01 |
| ACN Accenture PLC Class A | Reduce -2.3% | 0.03% | −0.01 |
| TGT Target Corp. | Reduce -0.1% | 0.03% | −0.01 |
| SUSB iShares ESG Aware 1-5 Year U | Reduce -2.4% | 0.12% | −0.01 |
| VCEB Vanguard ESG US Corp. Bond | Reduce -7.3% | 0.05% | −0.01 |
| TIP iShares Tips Bond ETF | Reduce -0.5% | 0.15% | −0.01 |
| IWD iShares Russell 1000 Value E | Reduce -0.6% | 0.09% | −0.01 |
| INTU Intuit Inc. | Reduce -0.2% | 0.27% | −0.01 |
| SUSA iShares ESG Optimized MSCI U | Reduce -3.5% | 0.10% | −0.00 |
| IWB iShares Russell 1000 ETF | Reduce -8.6% | 0.04% | −0.00 |
| DLN Wisdomtree US Largecap Divid | Reduce -4.7% | 0.05% | −0.00 |
| PGR Progressive Corp. | Reduce -1.8% | 0.06% | −0.00 |
| DHR Danaher Corp. | Reduce -0.3% | 0.05% | −0.00 |
| VTIP Vanguard Short-Term Tips | Reduce -0.3% | 0.08% | −0.00 |
| ETN Eaton Corp. PLC | Reduce -1.1% | 0.03% | −0.00 |
| MRSH Marsh & McLennan Cos | Reduce -0.4% | 0.05% | −0.00 |
| SPY SS SPDR S&P 500 ETF Trust-US | Reduce -1.6% | 0.08% | −0.00 |
| DSI iShares ESG MSCI KLD 400 ETF | Reduce -0.3% | 0.09% | −0.00 |
| NEE Nextera Energy Inc. | Reduce -7.7% | 0.03% | −0.00 |
| UNH Unitedhealth Group Inc. | Reduce -0.6% | 0.03% | −0.00 |
| MTD Mettler-Toledo International | Reduce -2.0% | 0.02% | 0.00 |
| VV Vngrd Mrgstr LRG-Cap ETF-Usd | Reduce -1.2% | 0.04% | 0.00 |
| MS Morgan Stanley | Reduce -0.1% | 0.03% | +0.00 |
| HON Honeywell International Inc. | Reduce -0.8% | 0.05% | +0.00 |
Portfolio Buys Q1 2024 → Q2 2024
| DFUS Dimensional US Eq MKT ETF | Add +6.8% | 4.46% | +0.30 |
| BSV Vanguard Short-Term Bond ETF | Add +5.8% | 9.98% | +0.29 |
| SCHP Schwab U.S. Tips ETF | Add +15.1% | 2.75% | +0.29 |
| AAPL Apple Inc. | Add +1.3% | 1.49% | +0.26 |
| DFEM Dimensional Emrg MRKT Core | Add +11.1% | 1.91% | +0.23 |
| DFSU Dimensional US Sus CORE1 ETF | Add +42.5% | 0.73% | +0.21 |
| DFGR Dim Global Real Estate ETF | Add +37.1% | 0.80% | +0.19 |
| BIV Vanguard Intermediate-Term B | Add +8.7% | 3.68% | +0.18 |
| DFAI Dimensional International Co. | Add +13.2% | 2.30% | +0.17 |
| DFSI Dimensional Int Sus COR1 ETF | Add +37.0% | 0.52% | +0.12 |
| AVLV Avantis US Large Cap Value | Add +11.0% | 2.13% | +0.11 |
| AVDV Avantis Intl S/C Value ETF | Add +10.3% | 1.51% | +0.08 |
| DFSE Dimensional Em Sus CORE1 ETF | Add +21.3% | 0.35% | +0.06 |
| VGSR Vert GLB Sust Re ETF | Add +17.8% | 0.44% | +0.05 |
| GOOG Alphabet Inc. Class C | Add +2.7% | 0.27% | +0.05 |
| BND Vanguard Total Bond Market | Add +31.3% | 0.21% | +0.04 |
| GOOGL Alphabet Inc. Class A | Add +0.1% | 0.26% | +0.04 |
| SPIB SS SPDR P Int C Corp. ETF | Add +4.9% | 2.15% | +0.04 |
| HPQ HP Inc. | New | 0.03% | +0.03 |
| VMBS Vanguard Mortgage-Backed Sec | Add +36.6% | 0.14% | +0.03 |
| DFAE Dimensional Emerging Core Eq | Add +3.3% | 0.50% | +0.02 |
| IOO iShares Global 100 ETF | New | 0.02% | +0.02 |
| SPSB SS SPDR P St C Corp. ETF | Add +3.8% | 3.26% | +0.02 |
| AVSE Avantis Resp Emerg MKTS Eq-E | Add +0.7% | 0.57% | +0.02 |
| ORCL Oracle Corp. | Add +0.2% | 0.09% | +0.01 |
| VTI VG Morningstar TS MKT ETF-US | Add +15.3% | 0.04% | +0.01 |
| XOM Exxon Mobil Corp. | Add +24.4% | 0.03% | +0.01 |
| PG The Procter & Gamble Co. | Add +5.4% | 0.10% | +0.00 |
| ITOT iShares Core S&P Total U.S. | Add +3.3% | 0.11% | +0.00 |
| IJR iShares Core S&P Small-Cap E | Add +12.3% | 0.07% | +0.00 |
| AMZN Amazon.com Inc. | Add +3.5% | 0.05% | +0.00 |
| META Meta Platforms Inc. Class A | Add +6.0% | 0.04% | +0.00 |
| VIG Vanguard Dividend Apprec ETF | Add +6.1% | 0.08% | +0.00 |
| DFAR Dimensional US Real Est ETF | Add +4.3% | 1.08% | +0.00 |
| DFAU Dimensional US Core Equity M | Add +0.3% | 1.36% | +0.00 |
| BAC Bank of America Corp. | Add +0.5% | 0.03% | +0.00 |
| BRK.B Berkshire Hathaway Inc. Class B | Add +7.3% | 0.06% | +0.00 |
| TRVN Trevena Inc. | New | 0.00% | +0.00 |
| IWV iShares Russell 3000 ETF | Add +0.4% | 0.04% | +0.00 |
| SUSC iShares ESG Aware Usd Corpor | Add +4.0% | 0.08% | 0.00 |
| MRK Merck & Co. Inc. | Add +8.3% | 0.05% | −0.00 |
| ICE Intercontinental Exchange Inc. | Add +0.7% | 0.03% | −0.00 |
| JPM JPMorgan Chase & Co. | Add +0.1% | 0.05% | −0.00 |
| AVRE Avantis Real Estate ETF | Add +1.9% | 0.04% | −0.00 |
| EFA iShares MSCI Eafe ETF | Add +0.5% | 0.04% | −0.00 |
| GE General Electric | Add +8.4% | 0.04% | −0.00 |
| MUB iShares National Muni Bond E | Add +0.6% | 0.06% | −0.00 |
| PEP Pepsico Inc. | Add +4.6% | 0.04% | −0.00 |
| IYR iShares US Real Estate ETF | Add +0.3% | 0.04% | −0.00 |
| IBM Intl Business Machines Corp. | Add +1.6% | 0.03% | −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 |