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

0$500.0M$1.0B$1.5B Q1 2024: $855.3M Q1 2024 Q2 2024: $879.2M $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 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
DFLV Dim US Large Cap Value ETF 0.04% 13,693 $396K No change
PEP Pepsico Inc. 0.04% 2,364 $390K Add +4.6%
IXUS iShares Core Intl Stock ETF 0.04% 5,769 $390K No change
META Meta Platforms Inc. Class A 0.04% 738 $372K Add +6.0%
VTI VG Morningstar TS MKT ETF-US 0.04% 1,390 $372K Add +15.3%
IWV iShares Russell 3000 ETF 0.04% 1,164 $359K Add +0.4%
AVRE Avantis Real Estate ETF 0.04% 8,516 $351K Add +1.9%
IWR iShares Russell Mid-Cap ETF 0.04% 4,273 $346K No change
IYR iShares US Real Estate ETF 0.04% 3,946 $346K Add +0.3%
ORLY O'reilly Automotive Inc. 0.04% 326 $344K No change
VV Vngrd Mrgstr LRG-Cap ETF-Usd 0.04% 1,354 $338K Reduce -1.2%
AGG iShares Core U.S. Aggregate 0.04% 3,378 $328K No change
EFA iShares MSCI Eafe ETF 0.04% 4,143 $325K Add +0.5%
IWB iShares Russell 1000 ETF 0.04% 1,088 $324K Reduce -8.6%
DIS The Walt Disney Co. filed as DISNEY WALT CO 0.04% 3,226 $320K Add +3.0%
GE General Electric filed as GE AEROSPACE 0.04% 2,002 $318K Add +8.4%
XRAY Dentsply Sirona Inc. 0.04% 12,700 $316K Reduce -0.1%
WMT Walmart Inc. 0.04% 4,664 $316K Reduce -0.1%
UNP Union Pacific Corp. 0.04% 1,390 $315K No change
ICE Intercontinental Exchange Inc. 0.03% 2,234 $306K Add +0.7%
HPQ HP Inc. 0.03% 8,708 $305K New
ACN Accenture PLC Class A 0.03% 997 $303K Reduce -2.3%
NVDA Nvidia Corp. 0.03% 2,418 $299K Reduce -0.5%
XOM Exxon Mobil Corp. 0.03% 2,577 $297K Add +24.4%
CGGO Cap Group Global Growth filed as CAPITAL GROUP GBL GROWTH EQT 0.03% 9,842 $290K No change
SHY iShares 1-3 Year Treasury Bo 0.03% 3,537 $289K No change
VEA Vanguard Ftse Developed ETF 0.03% 5,710 $282K No change
BAC Bank of America Corp. filed as BANK AMERICA CORP 0.03% 7,042 $280K Add +0.5%
VBR Vngrd Mrngst SL-CP Val ETF-U 0.03% 1,481 $270K No change
IGM iShares Expanded Tech Sector 0.03% 2,862 $270K No change
NSC Norfolk Southern Corp. 0.03% 1,243 $267K No change
INTC Intel Corp. 0.03% 8,501 $263K Reduce -0.1%
HD Home Depot Inc. 0.03% 758 $261K Add +2.6%
CTAS Cintas Corp. 0.03% 368 $258K No change
MS Morgan Stanley 0.03% 2,619 $255K Reduce -0.1%
NEE Nextera Energy Inc. 0.03% 3,580 $254K Reduce -7.7%
AVEM Avantis Emerging Markets Eq 0.03% 4,118 $252K No change
UNH Unitedhealth Group Inc. 0.03% 491 $250K Reduce -0.6%
TGT Target Corp. 0.03% 1,648 $244K Reduce -0.1%
ESGE iShares Inc. iShares ESG Awar 0.03% 6,838 $229K No change
SBUX Starbucks Corp. 0.03% 2,920 $227K Add +2.7%
IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS 0.03% 1,313 $227K Add +1.6%
PSA Public Storage 0.03% 789 $227K No change
ETN Eaton Corp. PLC 0.03% 711 $223K Reduce -1.1%
IOO iShares Global 100 ETF 0.02% 2,219 $214K New
MTD Mettler-Toledo International 0.02% 148 $207K Reduce -2.0%
SNY Sanofi-ADR 0.02% 4,171 $202K No change
CGXU Cap Group Intl Focus filed as CAPITAL GROUP INTL FOCUS EQT 0.02% 7,819 $201K No change
TRVN Trevena Inc. 0.00% 13,610 $3K New

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

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