Willow Creek Wealth Management Inc.
In its 13F for Q4 2024 (holdings as of December 31, 2024, filed February 14, 2025), Willow Creek Wealth Management Inc. reported 153 stock positions worth $980.9 million. Its top holding was Dimensional US Target Value (DFAT) at 11.1% of the portfolio, followed by Vanguard Short-Term Bond ETF (BSV, 10.4%) and SS SPDR P Agg Bond ETF (SPAB, 8.9%). Compared with Q3 2024, it opened 4 new positions, sold out of 6, added to 56 and reduced 51. The biggest buy was Dimensional International (DFAI, shares +31%) and the biggest sale SS SPDR BB 1-3M T-Bill ETF (BIL, shares −73%).
- Most Recent 13F
- Q3 2025
- Location
- Sebastopol, CA
- CIK
- 0001632407
- Portfolio Value
- $980.9M (Q4 2024)
- SEC Filing
- 0001580642-25-001023 ↗ filed Feb 14, 2025
Holdings Value
Holdings 153 stocks · $980.9M
| DFAT Dimensional US Target Value | 11.08% | 1,952,837 | $108.7M | Add +6.9% |
| BSV Vanguard Short-Term Bond ETF | 10.40% | 1,320,076 | $102.0M | Add +9.1% |
| SPAB SS SPDR P Agg Bond ETF | 8.87% | 3,479,841 | $87.0M | Add +3.5% |
| DFUS Dimensional US Eq MKT ETF | 4.64% | 713,498 | $45.5M | Add +2.9% |
| DFUV Dimensional US Marketwide Va | 4.54% | 1,087,836 | $44.5M | Add +0.6% |
| VTEB Vanguard Tax-Exempt Bond ETF | 3.85% | 753,987 | $37.8M | Add +13.9% |
| SUB iShares Short-Term National | 3.81% | 354,349 | $37.4M | Add +4.8% |
| BIV Vanguard Intermediate-Term B | 3.60% | 472,548 | $35.3M | Add +7.3% |
| SPSB SS SPDR P St C Corp. ETF | 3.15% | 1,033,517 | $30.9M | Add +2.0% |
| SCHP Schwab U.S. Tips ETF | 2.98% | 1,133,189 | $29.3M | Add +11.8% |
| DFAI Dimensional International Co. | 2.97% | 997,902 | $29.1M | Add +31.2% |
| DFIV Dimensional International Va | 2.70% | 746,530 | $26.5M | Add +2.3% |
| AVLV Avantis US Large Cap Value | 2.32% | 340,264 | $22.7M | Add +7.9% |
| DFEM Dimensional Emrg MRKT Core | 2.17% | 813,616 | $21.3M | Add +18.7% |
| SPIB SS SPDR P Int C Corp. ETF | 2.11% | 631,336 | $20.7M | Add +6.2% |
| SPTS SS SPDR P St Term TSY ETF | 2.02% | 683,774 | $19.8M | Add +6.7% |
| AVDV Avantis Intl S/C Value ETF | 1.63% | 245,921 | $16.0M | Add +12.4% |
| SPIP SS SPDR P Tips ETF | 1.55% | 600,290 | $15.2M | Add +4.0% |
| AAPL Apple Inc. | 1.54% | 60,395 | $15.1M | Reduce -1.7% |
| COST Costco Wholesale Corp. | 1.50% | 16,099 | $14.8M | No change |
| SPTI SS SPDR P Int Term TSY ETF | 1.43% | 501,735 | $14.0M | Add +9.6% |
| DFAU Dimensional US Core Equity M | 1.35% | 326,065 | $13.2M | Add +1.3% |
| AVSD Avantis Reps Intern Equi ETF | 1.14% | 201,107 | $11.2M | Add +3.2% |
| DFAR Dimensional US Real Est ETF | 1.05% | 443,858 | $10.3M | Add +2.3% |
| AVUV Avantis US Small Cap Value | 1.04% | 105,207 | $10.2M | Add +1.7% |
| DFSU Dimensional US Sus CORE1 ETF | 0.99% | 255,168 | $9.7M | Add +31.9% |
| DFGR Dim Global Real Estate ETF | 0.98% | 377,774 | $9.6M | Add +20.6% |
| DFAX Dimensional World Ex US Core | 0.76% | 301,669 | $7.5M | Add +1.0% |
| DFSI Dimensional Int Sus COR1 ETF | 0.66% | 196,346 | $6.4M | Add +35.8% |
| VNQ Vanguard Real Estate ETF | 0.65% | 71,467 | $6.4M | Reduce -0.4% |
| CSCO Cisco Systems Inc. | 0.62% | 103,285 | $6.1M | No change |
| DFAC Dimensional US Core Equity 2 | 0.53% | 151,524 | $5.2M | Add +2.2% |
| AVSE Avantis Resp Emerg MKTS Eq-E | 0.53% | 103,643 | $5.2M | Add +2.3% |
| VGSR Vert GLB Sust Re ETF filed as MANAGER DIRECTED PORTFOLIOS | 0.44% | 424,449 | $4.3M | Add +3.1% |
| DFAE Dimensional Emerging Core Eq | 0.44% | 168,515 | $4.3M | Add +2.0% |
| AVSU Avantis Resp US Equity ETF | 0.43% | 64,072 | $4.2M | Add +1.8% |
| DFSE Dimensional Em Sus CORE1 ETF | 0.42% | 124,850 | $4.1M | Add +28.7% |
| ESML iShares ESG Aware MSCI USA S | 0.41% | 94,748 | $4.0M | Add +0.5% |
| DISV Dimensional International SM | 0.34% | 127,269 | $3.4M | Add +1.0% |
| IJH iShares Core S&P Midcap ETF | 0.28% | 44,449 | $2.8M | Add +8.9% |
| SGOV iShares 0-3 Month Treasury B | 0.25% | 24,871 | $2.5M | Reduce -61.8% |
| GOOG Alphabet Inc. Class C | 0.25% | 12,915 | $2.5M | Reduce -0.1% |
| GOOGL Alphabet Inc. Class A | 0.24% | 12,442 | $2.4M | Add +0.1% |
| DFAS Dimensional US Small Cap ETF | 0.24% | 35,609 | $2.3M | Reduce -0.8% |
| TMO Thermo Fisher Scientific Inc. | 0.23% | 4,353 | $2.3M | Reduce -0.2% |
| INTU Intuit Inc. | 0.23% | 3,587 | $2.3M | No change |
| SPMB SS SPDR P Mort Back Bond ETF | 0.20% | 92,331 | $2.0M | Reduce -0.3% |
| WRB WR Berkley Corp. filed as BERKLEY W R CORP | 0.20% | 32,892 | $1.9M | Add +0.0% |
| DFIC Dimensional International Co. | 0.19% | 73,182 | $1.9M | Add +11.4% |
| BND Vanguard Total Bond Market | 0.19% | 26,256 | $1.9M | Add +1.4% |
| IVV iShares Core S&P 500 ETF | 0.19% | 3,155 | $1.9M | Reduce -2.5% |
| IWF iShares Russell 1000 Growth | 0.18% | 4,476 | $1.8M | Reduce -2.7% |
| BIL SS SPDR BB 1-3M T-Bill ETF | 0.17% | 18,108 | $1.7M | Reduce -72.9% |
| MSFT Microsoft Corp. | 0.17% | 3,855 | $1.6M | Reduce -1.6% |
| PL Planet Labs PBC | 0.16% | 400,000 | $1.6M | Reduce -1.9% |
| VRSN Verisign Inc. | 0.16% | 7,446 | $1.5M | Reduce -0.0% |
| V Visa Inc. Class A | 0.15% | 4,708 | $1.5M | Reduce -0.6% |
| DFIP Dimensional Inflation-Protec | 0.15% | 35,942 | $1.5M | Reduce -2.7% |
| VUSB Vanguard Ultra Short Bond Et | 0.14% | 27,158 | $1.3M | Reduce -5.3% |
| VMBS Vanguard Mortgage-Backed Sec | 0.13% | 27,440 | $1.2M | No change |
| SUSB iShares ESG Aware 1-5 Year U | 0.11% | 45,591 | $1.1M | Add +4.6% |
| TIP iShares Tips Bond ETF | 0.11% | 10,030 | $1.1M | Reduce -2.9% |
| IJS iShares S&P Small-Cap 600 Va | 0.11% | 9,496 | $1.0M | Reduce -0.5% |
| ITOT iShares Core S&P Total U.S. | 0.10% | 7,807 | $1.0M | No change |
| ORCL Oracle Corp. | 0.10% | 5,905 | $984K | No change |
| FSLY Fastly Inc. Class A | 0.10% | 102,500 | $968K | No change |
| SUSA iShares ESG Optimized MSCI U | 0.10% | 7,679 | $934K | No change |
| IWD iShares Russell 1000 Value E | 0.09% | 4,635 | $858K | Reduce -0.9% |
| DSI iShares ESG MSCI KLD 400 ETF | 0.08% | 7,353 | $811K | Reduce -0.1% |
| VIG Vanguard Dividend Apprec ETF | 0.08% | 4,053 | $794K | No change |
| JPM JPMorgan Chase & Co. | 0.08% | 3,295 | $790K | Reduce -1.0% |
| SUSC iShares ESG Aware Usd Corpor | 0.08% | 33,984 | $772K | Add +6.1% |
| AVUS Avantis U.S. Equity ETF | 0.08% | 7,634 | $740K | No change |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.07% | 1,248 | $732K | Reduce -1.3% |
| PG The Procter & Gamble Co. | 0.07% | 4,273 | $716K | Reduce -16.9% |
| IJR iShares Core S&P Small-Cap E | 0.07% | 6,027 | $694K | No change |
| AFL Aflac Inc. | 0.07% | 6,614 | $684K | Reduce -0.2% |
| PRF Invesco Rafi US 1000 ETF | 0.07% | 15,805 | $638K | No change |
| VB Vanguard Most SM-Cap ETF-Usd | 0.06% | 2,586 | $621K | No change |
| VOO Vanguard S&P 500 ETF | 0.06% | 1,115 | $601K | Add +14.1% |
| JNJ Johnson & Johnson | 0.06% | 4,042 | $585K | Add +6.9% |
| MA Mastercard Inc. Class A | 0.06% | 1,085 | $571K | Reduce -0.6% |
| VTIP Vanguard Short-Term Tips | 0.06% | 11,728 | $568K | No change |
| VTI VG Morningstar TS MKT ETF-US | 0.06% | 1,928 | $559K | Add +38.7% |
| BRK.B Berkshire Hathaway Inc. Class B | 0.06% | 1,223 | $554K | Reduce -2.0% |
| PGR Progressive Corp. | 0.05% | 2,192 | $525K | Reduce -4.3% |
| MUB iShares National Muni Bond E | 0.05% | 4,884 | $520K | No change |
| HON Honeywell International Inc. | 0.05% | 2,277 | $514K | No change |
| VWO Vanguard Ftse Emerging Marke | 0.05% | 11,107 | $489K | No change |
| VCEB Vanguard ESG US Corp. Bond | 0.05% | 7,873 | $488K | Add +10.3% |
| QQQ Invesco QQQ Trust Series 1 | 0.05% | 928 | $474K | Reduce -7.6% |
| DFSV Dimensional US Small Cap Val | 0.05% | 14,629 | $450K | Reduce -2.5% |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 0.04% | 1,646 | $435K | No change |
| WMT Walmart Inc. | 0.04% | 4,801 | $434K | No change |
| AMZN Amazon.com Inc. | 0.04% | 1,976 | $434K | Reduce -3.3% |
| DLN Wisdomtree US Largecap Divid | 0.04% | 5,416 | $421K | No change |
| MRK Merck & Co. Inc. | 0.04% | 4,170 | $415K | Add +17.2% |
| TXN Texas Instruments Inc. | 0.04% | 2,179 | $409K | No change |
| PEP Pepsico Inc. | 0.04% | 2,667 | $406K | Add +17.2% |
| META Meta Platforms Inc. Class A | 0.04% | 682 | $399K | Reduce -8.5% |
Portfolio Sells Q3 2024 → Q4 2024
| BIL SS SPDR BB 1-3M T-Bill ETF | Reduce -72.9% | 0.17% | −0.48 |
| SGOV iShares 0-3 Month Treasury B | Reduce -61.8% | 0.25% | −0.44 |
| VNQ Vanguard Real Estate ETF | Reduce -0.4% | 0.65% | −0.09 |
| TMO Thermo Fisher Scientific Inc. | Reduce -0.2% | 0.23% | −0.05 |
| VTV Vanguard Mrngstr Val ETF-Aui | Sold out | 0.00% | −0.02 |
| MTD Mettler-Toledo International | Sold out | 0.00% | −0.02 |
| SCZ iShares MSCI Eafe Small-Cap | Sold out | 0.00% | −0.02 |
| CGXU Cap Group Intl Focus | Sold out | 0.00% | −0.02 |
| IYR iShares US Real Estate ETF | Sold out | 0.00% | −0.02 |
| INTC Intel Corp. | Sold out | 0.00% | −0.02 |
| PG The Procter & Gamble Co. | Reduce -16.9% | 0.07% | −0.02 |
| SPMB SS SPDR P Mort Back Bond ETF | Reduce -0.3% | 0.20% | −0.02 |
| DFIP Dimensional Inflation-Protec | Reduce -2.7% | 0.15% | −0.02 |
| VUSB Vanguard Ultra Short Bond Et | Reduce -5.3% | 0.14% | −0.01 |
| MSFT Microsoft Corp. | Reduce -1.6% | 0.17% | −0.01 |
| TIP iShares Tips Bond ETF | Reduce -2.9% | 0.11% | −0.01 |
| DFAS Dimensional US Small Cap ETF | Reduce -0.8% | 0.24% | −0.01 |
| AFL Aflac Inc. | Reduce -0.2% | 0.07% | −0.01 |
| SHY iShares 1-3 Year Treasury Bo | Reduce -22.8% | 0.02% | −0.01 |
| LLY Eli Lilly & Co. | Reduce -2.1% | 0.04% | −0.01 |
| PGR Progressive Corp. | Reduce -4.3% | 0.05% | −0.01 |
| IXUS iShares Core Intl Stock ETF | Reduce -3.9% | 0.04% | −0.01 |
| ADBE Adobe Inc. | Reduce -0.1% | 0.03% | −0.01 |
| IVV iShares Core S&P 500 ETF | Reduce -2.5% | 0.19% | −0.01 |
| GE General Electric | Reduce -1.7% | 0.03% | −0.01 |
| IWD iShares Russell 1000 Value E | Reduce -0.9% | 0.09% | −0.01 |
| MRSH Marsh & McLennan Cos | Reduce -4.7% | 0.04% | −0.01 |
| HPQ HP Inc. | Reduce -5.8% | 0.03% | −0.01 |
| UNP Union Pacific Corp. | Reduce -2.0% | 0.03% | −0.00 |
| META Meta Platforms Inc. Class A | Reduce -8.5% | 0.04% | −0.00 |
| XOM Exxon Mobil Corp. | Reduce -1.7% | 0.03% | −0.00 |
| BRK.B Berkshire Hathaway Inc. Class B | Reduce -2.0% | 0.06% | −0.00 |
| SBUX Starbucks Corp. | Reduce -2.3% | 0.03% | −0.00 |
| HD Home Depot Inc. | Reduce -1.1% | 0.04% | −0.00 |
| QQQ Invesco QQQ Trust Series 1 | Reduce -7.6% | 0.05% | −0.00 |
| A Agilent Technologies Inc. | Reduce -0.1% | 0.02% | −0.00 |
| DFLV Dim US Large Cap Value ETF | Reduce -1.7% | 0.04% | −0.00 |
| IJS iShares S&P Small-Cap 600 Va | Reduce -0.5% | 0.11% | −0.00 |
| DFSV Dimensional US Small Cap Val | Reduce -2.5% | 0.05% | −0.00 |
| IBM Intl Business Machines Corp. | Reduce -3.7% | 0.03% | −0.00 |
| VV Vngrd Mrgstr LRG-Cap ETF-Usd | Reduce -4.1% | 0.04% | −0.00 |
| SPY SS SPDR S&P 500 ETF Trust-US | Reduce -1.3% | 0.07% | −0.00 |
| DSI iShares ESG MSCI KLD 400 ETF | Reduce -0.1% | 0.08% | −0.00 |
| ACN Accenture PLC Class A | Reduce -0.2% | 0.04% | −0.00 |
| SPYX SS SPDR S&P 500 Foss FL ETF | Reduce -1.1% | 0.02% | −0.00 |
| MA Mastercard Inc. Class A | Reduce -0.6% | 0.06% | +0.00 |
| IWF iShares Russell 1000 Growth | Reduce -2.7% | 0.18% | +0.00 |
| BAC Bank of America Corp. | Reduce -0.8% | 0.03% | +0.00 |
| NVDA Nvidia Corp. | Reduce -0.9% | 0.03% | +0.00 |
| AMZN Amazon.com Inc. | Reduce -3.3% | 0.04% | +0.00 |
Portfolio Buys Q3 2024 → Q4 2024
| DFAI Dimensional International Co. | Add +31.2% | 2.97% | +0.43 |
| DFAT Dimensional US Target Value | Add +6.9% | 11.08% | +0.40 |
| BSV Vanguard Short-Term Bond ETF | Add +9.1% | 10.40% | +0.39 |
| VTEB Vanguard Tax-Exempt Bond ETF | Add +13.9% | 3.85% | +0.30 |
| DFSU Dimensional US Sus CORE1 ETF | Add +31.9% | 0.99% | +0.23 |
| DFEM Dimensional Emrg MRKT Core | Add +18.7% | 2.17% | +0.14 |
| AVLV Avantis US Large Cap Value | Add +7.9% | 2.32% | +0.13 |
| SCHP Schwab U.S. Tips ETF | Add +11.8% | 2.98% | +0.13 |
| DFSI Dimensional Int Sus COR1 ETF | Add +35.8% | 0.66% | +0.11 |
| DFUS Dimensional US Eq MKT ETF | Add +2.9% | 4.64% | +0.10 |
| DFSE Dimensional Em Sus CORE1 ETF | Add +28.7% | 0.42% | +0.06 |
| SPTS SS SPDR P St Term TSY ETF | Add +6.7% | 2.02% | +0.04 |
| GLD SPDR Gold Shares | New | 0.03% | +0.03 |
| SUB iShares Short-Term National | Add +4.8% | 3.81% | +0.03 |
| DFGR Dim Global Real Estate ETF | Add +20.6% | 0.98% | +0.03 |
| SPTI SS SPDR P Int Term TSY ETF | Add +9.6% | 1.43% | +0.03 |
| AVGO Broadcom Inc. | New | 0.03% | +0.03 |
| TSLA Tesla Inc. | New | 0.02% | +0.02 |
| GOOGL Alphabet Inc. Class A | Add +0.1% | 0.24% | +0.02 |
| NFLX Netflix Inc. | New | 0.02% | +0.02 |
| VTI VG Morningstar TS MKT ETF-US | Add +38.7% | 0.06% | +0.02 |
| IJH iShares Core S&P Midcap ETF | Add +8.9% | 0.28% | +0.01 |
| VOO Vanguard S&P 500 ETF | Add +14.1% | 0.06% | +0.01 |
| AVDV Avantis Intl S/C Value ETF | Add +12.4% | 1.63% | +0.01 |
| DIS The Walt Disney Co. | Add +3.9% | 0.04% | +0.01 |
| DFAU Dimensional US Core Equity M | Add +1.3% | 1.35% | +0.00 |
| DFCA Dimensional Calfornia MB ETF | Add +11.0% | 0.03% | +0.00 |
| SPIB SS SPDR P Int C Corp. ETF | Add +6.2% | 2.11% | +0.00 |
| AVEM Avantis Emerging Markets Eq | Add +16.9% | 0.03% | +0.00 |
| VCEB Vanguard ESG US Corp. Bond | Add +10.3% | 0.05% | +0.00 |
| PEP Pepsico Inc. | Add +17.2% | 0.04% | +0.00 |
| WRB WR Berkley Corp. | Add +0.0% | 0.20% | +0.00 |
| AVSU Avantis Resp US Equity ETF | Add +1.8% | 0.43% | 0.00 |
| DFAC Dimensional US Core Equity 2 | Add +2.2% | 0.53% | −0.00 |
| MRK Merck & Co. Inc. | Add +17.2% | 0.04% | −0.00 |
| SUSB iShares ESG Aware 1-5 Year U | Add +4.6% | 0.11% | −0.00 |
| IWR iShares Russell Mid-Cap ETF | Add +0.8% | 0.04% | −0.00 |
| SUSC iShares ESG Aware Usd Corpor | Add +6.1% | 0.08% | −0.00 |
| DFIC Dimensional International Co. | Add +11.4% | 0.19% | −0.00 |
| TGT Target Corp. | Add +4.5% | 0.02% | −0.00 |
| VEA Vanguard Ftse Developed ETF | Add +4.3% | 0.04% | −0.00 |
| AVRE Avantis Real Estate ETF | Add +3.2% | 0.04% | −0.00 |
| JNJ Johnson & Johnson | Add +6.9% | 0.06% | −0.00 |
| UNH Unitedhealth Group Inc. | Add +0.2% | 0.03% | −0.01 |
| ESML iShares ESG Aware MSCI USA S | Add +0.5% | 0.41% | −0.01 |
| AVUV Avantis US Small Cap Value | Add +1.7% | 1.04% | −0.01 |
| BND Vanguard Total Bond Market | Add +1.4% | 0.19% | −0.01 |
| BIV Vanguard Intermediate-Term B | Add +7.3% | 3.60% | −0.03 |
| DISV Dimensional International SM | Add +1.0% | 0.34% | −0.04 |
| DFAE Dimensional Emerging Core Eq | Add +2.0% | 0.44% | −0.04 |
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 |