Willow Creek Wealth Management Inc.

In its 13F for Q3 2024 (holdings as of September 30, 2024, filed July 25, 2025), Willow Creek Wealth Management Inc. reported 155 stock positions worth $951.3 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 Q2 2024, it opened 7 new positions, sold out of 1, added to 70 and reduced 39. The biggest buy was Dimensional International (DFAI, shares +12%) and the biggest sale Dimensional US Marketwide Va (DFUV, shares −2%).

Most Recent 13F
Q3 2025
Location
Sebastopol, CA
CIK
0001632407
Portfolio Value
$951.3M (Q3 2024)
SEC Filing
0001580642-25-004472 ↗ filed Jul 25, 2025

Holdings Value

0$500.0M$1.0B$1.5B Q1 2024: $855.3M Q1 2024 Q2 2024: $879.2M Q2 2024 Q3 2024: $951.3M $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 155 stocks · $951.3M
DFAT Dimensional US Target Value 10.68% 1,826,059 $101.6M Add +1.0%
BSV Vanguard Short-Term Bond ETF 10.01% 1,210,425 $95.2M Add +5.8%
SPAB SS SPDR P Agg Bond ETF 9.24% 3,363,571 $87.9M Add +4.1%
DFUV Dimensional US Marketwide Va 4.74% 1,081,089 $45.1M Reduce -1.8%
DFUS Dimensional US Eq MKT ETF 4.53% 693,443 $43.1M Add +4.1%
SUB iShares Short-Term National 3.78% 338,285 $35.9M Add +2.2%
BIV Vanguard Intermediate-Term B 3.63% 440,174 $34.5M Add +1.9%
VTEB Vanguard Tax-Exempt Bond ETF 3.56% 661,827 $33.8M Add +0.1%
SPSB SS SPDR P St C Corp. ETF 3.23% 1,013,252 $30.7M Add +4.8%
DFIV Dimensional International Va 2.92% 730,066 $27.8M Reduce -2.2%
SCHP Schwab U.S. Tips ETF 2.86% 506,778 $27.2M Add +9.1%
DFAI Dimensional International Co. 2.54% 760,804 $24.2M Add +11.6%
AVLV Avantis US Large Cap Value 2.18% 315,258 $20.8M Add +5.5%
SPIB SS SPDR P Int C Corp. ETF 2.11% 594,703 $20.0M Add +2.7%
DFEM Dimensional Emrg MRKT Core 2.03% 685,324 $19.3M Add +8.8%
SPTS SS SPDR P St Term TSY ETF 1.98% 641,164 $18.9M Add +1.4%
AVDV Avantis Intl S/C Value ETF 1.62% 218,704 $15.5M Add +7.0%
SPIP SS SPDR P Tips ETF 1.59% 577,309 $15.2M Add +1.4%
AAPL Apple Inc. 1.51% 61,463 $14.3M Reduce -0.9%
COST Costco Wholesale Corp. 1.50% 16,099 $14.3M Reduce -5.3%
SPTI SS SPDR P Int Term TSY ETF 1.40% 457,631 $13.3M Add +0.6%
DFAU Dimensional US Core Equity M 1.34% 321,797 $12.8M Add +0.5%
AVSD Avantis Reps Intern Equi ETF 1.24% 194,895 $11.8M Add +5.0%
DFAR Dimensional US Real Est ETF 1.17% 433,905 $11.1M Add +1.4%
AVUV Avantis US Small Cap Value 1.04% 103,477 $9.9M Add +3.6%
DFGR Dim Global Real Estate ETF 0.95% 313,302 $9.0M Add +11.4%
DFAX Dimensional World Ex US Core 0.85% 298,668 $8.1M Add +0.8%
DFSU Dimensional US Sus CORE1 ETF 0.76% 193,511 $7.2M Add +4.7%
VNQ Vanguard Real Estate ETF 0.73% 71,778 $7.0M Reduce -0.1%
SGOV iShares 0-3 Month Treasury B 0.69% 65,129 $6.6M Add +10.3%
BIL SS SPDR BB 1-3M T-Bill ETF 0.65% 66,863 $6.1M Add +1.6%
AVSE Avantis Resp Emerg MKTS Eq-E 0.59% 101,283 $5.6M Add +4.0%
CSCO Cisco Systems Inc. 0.58% 103,285 $5.5M Reduce -0.0%
DFSI Dimensional Int Sus COR1 ETF 0.54% 144,580 $5.2M Add +3.3%
DFAC Dimensional US Core Equity 2 0.53% 148,261 $5.1M Add +0.8%
VGSR Vert GLB Sust Re ETF filed as MANAGER DIRECTED PORTFOLIOS 0.48% 411,638 $4.6M Add +2.2%
DFAE Dimensional Emerging Core Eq 0.48% 165,269 $4.5M Reduce -3.3%
AVSU Avantis Resp US Equity ETF 0.43% 62,929 $4.1M Add +7.5%
ESML iShares ESG Aware MSCI USA S 0.41% 94,270 $3.9M Add +0.3%
DISV Dimensional International SM 0.38% 125,991 $3.7M Reduce -0.7%
DFSE Dimensional Em Sus CORE1 ETF 0.36% 96,999 $3.4M Add +5.9%
TMO Thermo Fisher Scientific Inc. 0.28% 4,360 $2.7M Reduce -0.2%
IJH iShares Core S&P Midcap ETF 0.27% 40,811 $2.5M Reduce -3.9%
DFAS Dimensional US Small Cap ETF 0.24% 35,877 $2.3M Reduce -0.4%
INTU Intuit Inc. 0.23% 3,587 $2.2M Reduce -1.1%
GOOG Alphabet Inc. Class C 0.23% 12,924 $2.2M Add +0.1%
SPMB SS SPDR P Mort Back Bond ETF 0.22% 92,652 $2.1M Reduce -0.3%
GOOGL Alphabet Inc. Class A 0.22% 12,429 $2.1M No change
BND Vanguard Total Bond Market 0.20% 25,900 $1.9M Reduce -0.7%
IVV iShares Core S&P 500 ETF 0.20% 3,235 $1.9M Reduce -11.6%
WRB WR Berkley Corp. filed as BERKLEY W R CORP 0.20% 32,890 $1.9M No change
DFIC Dimensional International Co. 0.19% 65,693 $1.8M Reduce -2.9%
IWF iShares Russell 1000 Growth 0.18% 4,600 $1.7M No change
MSFT Microsoft Corp. 0.18% 3,917 $1.7M Reduce -2.0%
DFIP Dimensional Inflation-Protec 0.16% 36,924 $1.6M Add +0.2%
VUSB Vanguard Ultra Short Bond Et 0.15% 28,663 $1.4M Add +30.6%
VRSN Verisign Inc. 0.15% 7,447 $1.4M No change
V Visa Inc. Class A 0.14% 4,737 $1.3M Add +0.4%
VMBS Vanguard Mortgage-Backed Sec 0.14% 27,440 $1.3M No change
TIP iShares Tips Bond ETF 0.12% 10,324 $1.1M Reduce -14.8%
SUSB iShares ESG Aware 1-5 Year U 0.12% 43,602 $1.1M Add +1.7%
IJS iShares S&P Small-Cap 600 Va 0.11% 9,547 $1.0M No change
ORCL Oracle Corp. 0.11% 5,905 $1.0M No change
ITOT iShares Core S&P Total U.S. 0.10% 7,807 $981K Reduce -3.6%
SUSA iShares ESG Optimized MSCI U 0.10% 7,679 $924K No change
PL Planet Labs PBC 0.10% 407,620 $909K Add +49.1%
PG The Procter & Gamble Co. 0.09% 5,143 $891K Reduce -3.3%
IWD iShares Russell 1000 Value E 0.09% 4,679 $888K No change
VIG Vanguard Dividend Apprec ETF 0.08% 4,053 $803K Reduce -0.9%
DSI iShares ESG MSCI KLD 400 ETF 0.08% 7,358 $800K Add +0.7%
FSLY Fastly Inc. Class A 0.08% 102,500 $776K No change
SUSC iShares ESG Aware Usd Corpor 0.08% 32,018 $762K Add +0.1%
AFL Aflac Inc. 0.08% 6,630 $741K Add +0.7%
AVUS Avantis U.S. Equity ETF 0.08% 7,634 $726K No change
SPY SS SPDR S&P 500 ETF Trust-US 0.08% 1,264 $726K Add +0.5%
IJR iShares Core S&P Small-Cap E 0.07% 6,027 $705K No change
JPM JPMorgan Chase & Co. 0.07% 3,328 $702K Add +48.3%
PRF Invesco Rafi US 1000 ETF 0.07% 15,805 $642K No change
VB Vanguard Most SM-Cap ETF-Usd 0.06% 2,586 $613K Add +0.9%
JNJ Johnson & Johnson 0.06% 3,780 $613K Add +6.1%
PGR Progressive Corp. 0.06% 2,291 $581K Reduce -4.8%
VTIP Vanguard Short-Term Tips 0.06% 11,728 $578K Reduce -16.5%
BRK.B Berkshire Hathaway Inc. Class B 0.06% 1,248 $574K Add +1.6%
MA Mastercard Inc. Class A 0.06% 1,092 $539K Reduce -0.6%
VWO Vanguard Ftse Emerging Marke 0.06% 11,107 $531K Add +5.8%
MUB iShares National Muni Bond E 0.06% 4,884 $531K Add +0.7%
VOO Vanguard S&P 500 ETF 0.05% 977 $516K No change
QQQ Invesco QQQ Trust Series 1 0.05% 1,004 $490K Add +8.3%
HON Honeywell International Inc. 0.05% 2,277 $471K Add +6.4%
VCEB Vanguard ESG US Corp. Bond 0.05% 7,137 $463K Add +2.6%
DFSV Dimensional US Small Cap Val 0.05% 15,005 $462K Reduce -8.1%
DHR Danaher Corp. 0.05% 1,656 $460K Reduce -0.4%
TXN Texas Instruments Inc. 0.05% 2,179 $450K Add +1.4%
IXUS iShares Core Intl Stock ETF 0.05% 6,165 $448K Add +6.9%
VO Vngrd Mrngstr MD-Cap ETF-Usd 0.05% 1,646 $434K No change
MRSH Marsh & McLennan Cos 0.05% 1,940 $433K No change
META Meta Platforms Inc. Class A 0.04% 745 $426K Add +0.9%
DLN Wisdomtree US Largecap Divid 0.04% 5,416 $425K Reduce -4.7%
LLY Eli Lilly & Co. 0.04% 480 $425K No change
AVRE Avantis Real Estate ETF 0.04% 8,694 $410K Add +2.1%

Show all 155 holdings

Portfolio Sells Q2 2024 → Q3 2024
DFUV Dimensional US Marketwide Va Reduce -1.8% 4.74% −0.18
COST Costco Wholesale Corp. Reduce -5.3% 1.50% −0.14
DFIV Dimensional International Va Reduce -2.2% 2.92% −0.13
INTU Intuit Inc. Reduce -1.1% 0.23% −0.04
IVV iShares Core S&P 500 ETF Reduce -11.6% 0.20% −0.03
TIP iShares Tips Bond ETF Reduce -14.8% 0.12% −0.03
DFAE Dimensional Emerging Core Eq Reduce -3.3% 0.48% −0.03
MSFT Microsoft Corp. Reduce -2.0% 0.18% −0.03
IYR iShares US Real Estate ETF Reduce -48.2% 0.02% −0.02
VTIP Vanguard Short-Term Tips Reduce -16.5% 0.06% −0.02
IJH iShares Core S&P Midcap ETF Reduce -3.9% 0.27% −0.02
EFA iShares MSCI Eafe ETF Reduce -35.9% 0.02% −0.01
MRK Merck & Co. Inc. Reduce -7.6% 0.04% −0.01
BND Vanguard Total Bond Market Reduce -0.7% 0.20% −0.01
SPMB SS SPDR P Mort Back Bond ETF Reduce -0.3% 0.22% −0.01
AMZN Amazon.com Inc. Reduce -7.1% 0.04% −0.01
DFIC Dimensional International Co. Reduce -2.9% 0.19% −0.01
ITOT iShares Core S&P Total U.S. Reduce -3.6% 0.10% −0.01
PG The Procter & Gamble Co. Reduce -3.3% 0.09% −0.01
DFSV Dimensional US Small Cap Val Reduce -8.1% 0.05% −0.00
DIS The Walt Disney Co. Reduce -0.2% 0.03% −0.00
PEP Pepsico Inc. Reduce -3.8% 0.04% −0.00
DFLV Dim US Large Cap Value ETF Reduce -6.2% 0.04% −0.00
DISV Dimensional International SM Reduce -0.7% 0.38% −0.00
NSC Norfolk Southern Corp. Reduce -16.1% 0.03% −0.00
HPQ HP Inc. Reduce -3.3% 0.03% −0.00
IWV iShares Russell 3000 ETF Reduce -4.7% 0.04% −0.00
DLN Wisdomtree US Largecap Divid Reduce -4.7% 0.04% −0.00
DFAS Dimensional US Small Cap ETF Reduce -0.4% 0.24% −0.00
VIG Vanguard Dividend Apprec ETF Reduce -0.9% 0.08% −0.00
TRVN Trevena Inc. Sold out 0.00% −0.00
DHR Danaher Corp. Reduce -0.4% 0.05% +0.00
MA Mastercard Inc. Class A Reduce -0.6% 0.06% +0.00
ICE Intercontinental Exchange Inc. Reduce -0.7% 0.04% +0.00
SBUX Starbucks Corp. Reduce -1.6% 0.03% +0.00
PGR Progressive Corp. Reduce -4.8% 0.06% +0.00
TMO Thermo Fisher Scientific Inc. Reduce -0.2% 0.28% +0.01
CSCO Cisco Systems Inc. Reduce -0.0% 0.58% +0.02
AAPL Apple Inc. Reduce -0.9% 1.51% +0.02
VNQ Vanguard Real Estate ETF Reduce -0.1% 0.73% +0.05

Portfolio Buys Q2 2024 → Q3 2024
DFAI Dimensional International Co. Add +11.6% 2.54% +0.24
DFGR Dim Global Real Estate ETF Add +11.4% 0.95% +0.15
AVDV Avantis Intl S/C Value ETF Add +7.0% 1.62% +0.12
DFEM Dimensional Emrg MRKT Core Add +8.8% 2.03% +0.11
SCHP Schwab U.S. Tips ETF Add +9.1% 2.86% +0.11
DFAR Dimensional US Real Est ETF Add +1.4% 1.17% +0.09
DFUS Dimensional US Eq MKT ETF Add +4.1% 4.53% +0.07
AVSD Avantis Reps Intern Equi ETF Add +5.0% 1.24% +0.07
AVLV Avantis US Large Cap Value Add +5.5% 2.18% +0.05
VGSR Vert GLB Sust Re ETF Add +2.2% 0.48% +0.04
PL Planet Labs PBC Add +49.1% 0.10% +0.04
BSV Vanguard Short-Term Bond ETF Add +5.8% 10.01% +0.03
VUSB Vanguard Ultra Short Bond Et Add +30.6% 0.15% +0.03
A Agilent Technologies Inc. New 0.03% +0.03
AVUV Avantis US Small Cap Value Add +3.6% 1.04% +0.02
MCD McDonald's Corp. New 0.02% +0.02
DFCA Dimensional Calfornia MB ETF New 0.02% +0.02
VTV Vanguard Mrngstr Val ETF-Aui New 0.02% +0.02
DFSU Dimensional US Sus CORE1 ETF Add +4.7% 0.76% +0.02
SPYX SS SPDR S&P 500 Foss FL ETF New 0.02% +0.02
SCZ iShares MSCI Eafe Small-Cap New 0.02% +0.02
SPAB SS SPDR P Agg Bond ETF Add +4.1% 9.24% +0.02
JPM JPMorgan Chase & Co. Add +48.3% 0.07% +0.02
AVSU Avantis Resp US Equity ETF Add +7.5% 0.43% +0.02
DFSI Dimensional Int Sus COR1 ETF Add +3.3% 0.54% +0.02
AVSE Avantis Resp Emerg MKTS Eq-E Add +4.0% 0.59% +0.02
DFAT Dimensional US Target Value Add +1.0% 10.68% +0.01
SGOV iShares 0-3 Month Treasury B Add +10.3% 0.69% +0.01
DFSE Dimensional Em Sus CORE1 ETF Add +5.9% 0.36% +0.01
AFL Aflac Inc. Add +0.7% 0.08% +0.01
HD Home Depot Inc. Add +23.9% 0.04% +0.01
VEA Vanguard Ftse Developed ETF Add +23.9% 0.04% +0.01
JNJ Johnson & Johnson Add +6.1% 0.06% +0.01
AVEM Avantis Emerging Markets Eq Add +19.3% 0.03% +0.00
WMT Walmart Inc. Add +2.9% 0.04% +0.00
GE General Electric Add +1.8% 0.04% +0.00
BRK.B Berkshire Hathaway Inc. Class B Add +1.6% 0.06% +0.00
VWO Vanguard Ftse Emerging Marke Add +5.8% 0.06% +0.00
CTAS Cintas Corp. Add +3.0% 0.03% +0.00
IWB iShares Russell 1000 ETF Add +12.0% 0.04% +0.00
ACN Accenture PLC Class A Add +2.2% 0.04% +0.00
AVRE Avantis Real Estate ETF Add +2.1% 0.04% +0.00
NEE Nextera Energy Inc. Add +0.8% 0.03% +0.00
POLESTAR AUTOMOTIVE HLDG UK New 0.00% +0.00
UNH Unitedhealth Group Inc. Add +3.5% 0.03% +0.00
IXUS iShares Core Intl Stock ETF Add +6.9% 0.05% +0.00
ESML iShares ESG Aware MSCI USA S Add +0.3% 0.41% +0.00
META Meta Platforms Inc. Class A Add +0.9% 0.04% +0.00
QQQ Invesco QQQ Trust Series 1 Add +8.3% 0.05% +0.00
UNP Union Pacific Corp. Add +2.0% 0.04% +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