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

0$500.0M$1.0B$1.5B Q1 2024: $855.3M Q1 2024 Q2 2024: $879.2M Q2 2024 Q3 2024: $951.3M Q3 2024 Q4 2024: $980.9M $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 · $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%
MRSH Marsh & McLennan Cos 0.04% 1,849 $393K Reduce -4.7%
IWB iShares Russell 1000 ETF 0.04% 1,219 $393K No change
IXUS iShares Core Intl Stock ETF 0.04% 5,925 $392K Reduce -3.9%
ORLY O'reilly Automotive Inc. 0.04% 326 $387K No change
IWR iShares Russell Mid-Cap ETF 0.04% 4,306 $381K Add +0.8%
DHR Danaher Corp. 0.04% 1,656 $380K No change
DFLV Dim US Large Cap Value ETF 0.04% 12,620 $379K Reduce -1.7%
AVRE Avantis Real Estate ETF 0.04% 8,975 $376K Add +3.2%
DIS The Walt Disney Co. filed as DISNEY WALT CO 0.04% 3,344 $372K Add +3.9%
IWV iShares Russell 3000 ETF 0.04% 1,109 $371K No change
LLY Eli Lilly & Co. 0.04% 470 $363K Reduce -2.1%
HD Home Depot Inc. 0.04% 929 $361K Reduce -1.1%
ACN Accenture PLC Class A 0.04% 1,017 $358K Reduce -0.2%
VEA Vanguard Ftse Developed ETF 0.04% 7,384 $353K Add +4.3%
VV Vngrd Mrgstr LRG-Cap ETF-Usd 0.04% 1,298 $350K Reduce -4.1%
GLD SPDR Gold Shares 0.03% 1,399 $339K New
AVEM Avantis Emerging Markets Eq 0.03% 5,746 $338K Add +16.9%
GE General Electric filed as GE AEROSPACE 0.03% 2,002 $334K Reduce -1.7%
ADBE Adobe Inc. 0.03% 748 $333K Reduce -0.1%
ICE Intercontinental Exchange Inc. 0.03% 2,218 $331K No change
MS Morgan Stanley 0.03% 2,613 $329K Reduce -0.2%
NVDA Nvidia Corp. 0.03% 2,438 $327K Reduce -0.9%
AGG iShares Core U.S. Aggregate 0.03% 3,378 $327K No change
UNP Union Pacific Corp. 0.03% 1,390 $317K Reduce -2.0%
BAC Bank of America Corp. filed as BANK AMERICA CORP 0.03% 6,986 $307K Reduce -0.8%
VBR Vngrd Mrngst SL-CP Val ETF-U 0.03% 1,481 $294K No change
IGM iShares Expanded Tech Sector 0.03% 2,862 $292K No change
CGGO Cap Group Global Growth filed as CAPITAL GROUP GBL GROWTH EQT 0.03% 9,842 $288K No change
IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS 0.03% 1,265 $278K Reduce -3.7%
CTAS Cintas Corp. 0.03% 1,516 $277K No change
XOM Exxon Mobil Corp. 0.03% 2,534 $273K Reduce -1.7%
NEE Nextera Energy Inc. 0.03% 3,609 $259K No change
HPQ HP Inc. 0.03% 7,926 $259K Reduce -5.8%
UNH Unitedhealth Group Inc. 0.03% 509 $257K Add +0.2%
SBUX Starbucks Corp. 0.03% 2,808 $256K Reduce -2.3%
AVGO Broadcom Inc. 0.03% 1,105 $256K New
DFCA Dimensional Calfornia MB ETF 0.03% 4,984 $249K Add +11.0%
NSC Norfolk Southern Corp. 0.03% 1,043 $245K No change
TSLA Tesla Inc. 0.02% 600 $242K New
XRAY Dentsply Sirona Inc. 0.02% 12,700 $241K No change
PSA Public Storage 0.02% 789 $236K No change
ETN Eaton Corp. PLC 0.02% 711 $236K No change
TGT Target Corp. 0.02% 1,742 $235K Add +4.5%
ESGE iShares Inc. iShares ESG Awar 0.02% 6,838 $228K No change
SHY iShares 1-3 Year Treasury Bo 0.02% 2,731 $224K Reduce -22.8%
IOO iShares Global 100 ETF 0.02% 2,219 $224K No change
MCD McDonald's Corp. 0.02% 769 $223K No change
SPYX SS SPDR S&P 500 Foss FL ETF 0.02% 4,573 $220K Reduce -1.1%
A Agilent Technologies Inc. 0.02% 1,620 $218K Reduce -0.1%
NFLX Netflix Inc. 0.02% 232 $207K New
SNY Sanofi-ADR 0.02% 4,171 $201K No change
EFA iShares MSCI Eafe ETF 0.02% 2,656 $201K No change
POLESTAR AUTOMOTIVE HLDG UK 0.00% 15,320 $16K No change

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

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