Willow Creek Wealth Management Inc.

In its 13F for Q1 2025 (holdings as of March 31, 2025, filed July 17, 2025), Willow Creek Wealth Management Inc. reported 155 stock positions worth $1.0 billion. Its top holding was Vanguard Short-Term Bond ETF (BSV) at 10.4% of the portfolio, followed by Dimensional US Target Value (DFAT, 10.2%) and SS SPDR P Agg Bond ETF (SPAB, 8.9%). Compared with Q4 2024, it opened 8 new positions, sold out of 6, added to 80 and reduced 33. The biggest buy was Dimensional International (DFAI, shares +12%) and the biggest sale Dimensional US Real Est ETF (DFAR, shares −14%).

Most Recent 13F
Q3 2025
Location
Sebastopol, CA
CIK
0001632407
Portfolio Value
$1.0B (Q1 2025)
SEC Filing
0001580642-25-004296 ↗ filed Jul 17, 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 Q4 2024 Q1 2025: $1.0B $1.0B Q1 2025 Q2 2025: $1.1B Q2 2025 Q3 2025: $1.2B Q3 2025

Holdings 155 stocks · $1.0B
BSV Vanguard Short-Term Bond ETF 10.38% 1,362,326 $106.6M Add +3.2%
DFAT Dimensional US Target Value 10.18% 2,029,767 $104.5M Add +3.9%
SPAB SS SPDR P Agg Bond ETF 8.89% 3,576,418 $91.3M Add +2.8%
DFUV Dimensional US Marketwide Va 4.40% 1,095,961 $45.2M Add +0.8%
DFUS Dimensional US Eq MKT ETF 4.38% 743,860 $45.0M Add +4.3%
VTEB Vanguard Tax-Exempt Bond ETF 3.75% 775,141 $38.5M Add +2.8%
SUB iShares Short-Term National 3.73% 362,727 $38.3M Add +2.4%
BIV Vanguard Intermediate-Term B 3.57% 478,170 $36.6M Add +1.2%
SCHP Schwab U.S. Tips ETF 3.40% 1,300,202 $35.0M Add +14.7%
DFAI Dimensional International Co. 3.40% 1,117,501 $34.9M Add +12.0%
SPSB SS SPDR P St C Corp. ETF 3.14% 1,069,784 $32.2M Add +3.5%
DFIV Dimensional International Va 2.85% 744,415 $29.3M Reduce -0.3%
AVLV Avantis US Large Cap Value 2.42% 381,714 $24.9M Add +12.2%
DFEM Dimensional Emrg MRKT Core 2.18% 844,175 $22.3M Add +3.8%
SPIB SS SPDR P Int C Corp. ETF 2.11% 652,237 $21.7M Add +3.3%
SPTS SS SPDR P St Term TSY ETF 1.99% 698,590 $20.4M Add +2.2%
AVDV Avantis Intl S/C Value ETF 1.91% 281,364 $19.6M Add +14.4%
SPIP SS SPDR P Tips ETF 1.55% 603,368 $15.9M Add +0.5%
COST Costco Wholesale Corp. 1.48% 16,099 $15.2M No change
SPTI SS SPDR P Int Term TSY ETF 1.47% 528,896 $15.1M Add +5.4%
AAPL Apple Inc. 1.31% 60,518 $13.4M Add +0.2%
DFAU Dimensional US Core Equity M 1.29% 345,260 $13.3M Add +5.9%
DFGR Dim Global Real Estate ETF 1.28% 500,801 $13.2M Add +32.6%
DFSU Dimensional US Sus CORE1 ETF 1.20% 343,187 $12.3M Add +34.5%
AVSD Avantis Reps Intern Equi ETF 1.19% 203,422 $12.2M Add +1.1%
AVUV Avantis US Small Cap Value 1.01% 119,486 $10.4M Add +13.6%
DFAR Dimensional US Real Est ETF 0.88% 380,698 $9.0M Reduce -14.2%
DFSI Dimensional Int Sus COR1 ETF 0.82% 240,155 $8.4M Add +22.3%
DFAX Dimensional World Ex US Core 0.77% 303,426 $7.9M Add +0.6%
CSCO Cisco Systems Inc. 0.62% 103,668 $6.4M Add +0.4%
VNQ Vanguard Real Estate ETF 0.61% 69,244 $6.3M Reduce -3.1%
DFSE Dimensional Em Sus CORE1 ETF 0.60% 182,360 $6.1M Add +46.1%
AVSE Avantis Resp Emerg MKTS Eq-E 0.58% 116,496 $6.0M Add +12.4%
DFAC Dimensional US Core Equity 2 0.52% 161,600 $5.3M Add +6.7%
DFAE Dimensional Emerging Core Eq 0.46% 180,691 $4.7M Add +7.2%
VGSR Vert GLB Sust Re ETF filed as MANAGER DIRECTED PORTFOLIOS 0.44% 445,475 $4.5M Add +5.0%
AVSU Avantis Resp US Equity ETF 0.41% 68,092 $4.2M Add +6.3%
ESML iShares ESG Aware MSCI USA S 0.40% 105,986 $4.1M Add +11.9%
DISV Dimensional International SM 0.36% 126,411 $3.7M Reduce -0.7%
IJH iShares Core S&P Midcap ETF 0.25% 43,817 $2.6M Reduce -1.4%
SGOV iShares 0-3 Month Treasury B 0.24% 24,925 $2.5M Add +0.2%
WRB WR Berkley Corp. filed as BERKLEY W R CORP 0.23% 32,892 $2.3M No change
BND Vanguard Total Bond Market 0.22% 30,591 $2.2M Add +16.5%
DFIC Dimensional International Co. 0.22% 80,756 $2.2M Add +10.3%
INTU Intuit Inc. 0.21% 3,587 $2.2M No change
TMO Thermo Fisher Scientific Inc. 0.21% 4,356 $2.2M Add +0.1%
DFAS Dimensional US Small Cap ETF 0.21% 35,858 $2.1M Add +0.7%
SPMB SS SPDR P Mort Back Bond ETF 0.20% 92,285 $2.0M Reduce -0.1%
GOOG Alphabet Inc. Class C 0.20% 12,921 $2.0M Add +0.1%
VBIL Vanguard 0-3M T-Bill ETF 0.20% 26,757 $2.0M New
GOOGL Alphabet Inc. Class A 0.19% 12,432 $1.9M Reduce -0.1%
VRSN Verisign Inc. 0.18% 7,362 $1.9M Reduce -1.1%
IVV iShares Core S&P 500 ETF 0.17% 3,095 $1.7M Reduce -1.9%
V Visa Inc. Class A 0.16% 4,718 $1.7M Add +0.2%
IWF iShares Russell 1000 Growth 0.15% 4,406 $1.6M Reduce -1.6%
MSFT Microsoft Corp. 0.15% 4,140 $1.6M Add +7.4%
DFIP Dimensional Inflation-Protec 0.15% 35,956 $1.5M Add +0.0%
PL Planet Labs PBC 0.13% 400,000 $1.4M No change
VMBS Vanguard Mortgage-Backed Sec 0.12% 27,440 $1.3M No change
VUSB Vanguard Ultra Short Bond Et 0.12% 24,686 $1.2M Reduce -9.1%
SUSB iShares ESG Aware 1-5 Year U 0.11% 45,067 $1.1M Reduce -1.1%
TIP iShares Tips Bond ETF 0.11% 9,923 $1.1M Reduce -1.1%
ITOT iShares Core S&P Total U.S. 0.09% 7,807 $953K No change
IJS iShares S&P Small-Cap 600 Va 0.09% 9,496 $926K No change
AVUS Avantis U.S. Equity ETF 0.09% 9,893 $914K Add +29.6%
PG The Procter & Gamble Co. 0.09% 5,280 $900K Add +23.6%
SUSA iShares ESG Optimized MSCI U 0.09% 7,679 $882K No change
IWD iShares Russell 1000 Value E 0.08% 4,635 $872K No change
JPM JPMorgan Chase & Co. 0.08% 3,404 $835K Add +3.3%
ORCL Oracle Corp. 0.08% 5,905 $826K No change
VTI VG Morningstar TS MKT ETF-US 0.08% 2,983 $820K Add +54.7%
SUSC iShares ESG Aware Usd Corpor 0.08% 34,863 $804K Add +2.6%
VIG Vanguard Dividend Apprec ETF 0.08% 4,094 $794K Add +1.0%
DSI iShares ESG MSCI KLD 400 ETF 0.07% 7,353 $753K No change
VOO Vanguard S&P 500 ETF 0.07% 1,451 $746K Add +30.1%
AFL Aflac Inc. 0.07% 6,614 $735K No change
VTIP Vanguard Short-Term Tips 0.07% 14,355 $716K Add +22.4%
SPY SS SPDR S&P 500 ETF Trust-US 0.07% 1,248 $699K No change
JNJ Johnson & Johnson 0.06% 3,987 $661K Reduce -1.4%
VB Vanguard Most SM-Cap ETF-Usd 0.06% 2,931 $650K Add +13.3%
FSLY Fastly Inc. Class A 0.06% 102,500 $649K No change
PRF Invesco Rafi US 1000 ETF 0.06% 15,805 $639K No change
IJR iShares Core S&P Small-Cap E 0.06% 5,805 $607K Reduce -3.7%
MA Mastercard Inc. Class A 0.06% 1,086 $595K Add +0.1%
BRK.B Berkshire Hathaway Inc. Class B 0.05% 1,047 $558K Reduce -14.4%
PGR Progressive Corp. 0.05% 1,887 $534K Reduce -13.9%
VCEB Vanguard ESG US Corp. Bond 0.05% 8,438 $531K Add +7.2%
WMT Walmart Inc. 0.05% 5,995 $526K Add +24.9%
MUB iShares National Muni Bond E 0.05% 4,917 $518K Add +0.7%
VWO Vanguard Ftse Emerging Marke 0.05% 11,410 $516K Add +2.7%
VO Vngrd Mrngstr MD-Cap ETF-Usd 0.05% 1,891 $489K Add +14.9%
HON Honeywell International Inc. 0.05% 2,277 $482K No change
ORLY O'reilly Automotive Inc. 0.05% 326 $467K No change
MRSH Marsh & McLennan Cos 0.04% 1,854 $452K Add +0.3%
QQQ Invesco QQQ Trust Series 1 0.04% 928 $435K No change
DFSV Dimensional US Small Cap Val 0.04% 15,284 $430K Add +4.5%
DLN Wisdomtree US Largecap Divid 0.04% 5,329 $423K Reduce -1.6%
IXUS iShares Core Intl Stock ETF 0.04% 5,925 $414K No change
PEP Pepsico Inc. 0.04% 2,664 $399K Reduce -0.1%
META Meta Platforms Inc. Class A 0.04% 682 $393K No change
AMZN Amazon.com Inc. 0.04% 2,063 $393K Add +4.4%
TXN Texas Instruments Inc. 0.04% 2,179 $392K No change
DFLV Dim US Large Cap Value ETF 0.04% 12,804 $391K Add +1.5%
NVDA Nvidia Corp. 0.04% 3,592 $389K Add +47.3%
VEA Vanguard Ftse Developed ETF 0.04% 7,613 $387K Add +3.1%
ICE Intercontinental Exchange Inc. 0.04% 2,231 $385K Add +0.6%
LLY Eli Lilly & Co. 0.04% 459 $379K Reduce -2.3%
GE General Electric filed as GE AEROSPACE 0.04% 1,877 $376K Reduce -6.2%
MRK Merck & Co. Inc. 0.04% 4,141 $372K Reduce -0.7%
IWV iShares Russell 3000 ETF 0.04% 1,154 $367K Add +4.1%
IWB iShares Russell 1000 ETF 0.04% 1,177 $361K Reduce -3.5%
SMCI Super Micro Computer Inc. 0.03% 10,346 $354K New
IWR iShares Russell Mid-Cap ETF 0.03% 4,090 $348K Reduce -5.0%
AVEM Avantis Emerging Markets Eq 0.03% 5,746 $346K No change
HD Home Depot Inc. 0.03% 930 $341K Add +0.1%
DHR Danaher Corp. 0.03% 1,660 $340K Add +0.2%
AGG iShares Core U.S. Aggregate 0.03% 3,378 $334K No change
UNP Union Pacific Corp. 0.03% 1,391 $329K Add +0.1%
ACN Accenture PLC Class A 0.03% 1,019 $318K Add +0.2%
IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS 0.03% 1,269 $316K Add +0.3%
BAC Bank of America Corp. filed as BANK AMERICA CORP 0.03% 7,544 $315K Add +8.0%
CTAS Cintas Corp. 0.03% 1,516 $312K No change
MCD McDonald's Corp. 0.03% 973 $304K Add +26.5%
DIS The Walt Disney Co. filed as DISNEY WALT CO 0.03% 3,073 $303K Reduce -8.1%
XOM Exxon Mobil Corp. 0.03% 2,549 $303K Add +0.6%
GLD SPDR Gold Shares 0.03% 1,037 $299K Reduce -25.9%
ADBE Adobe Inc. 0.03% 758 $291K Add +1.3%
DUSB Dimension Ultrashort Fi ETF 0.03% 5,726 $290K New
AVRE Avantis Real Estate ETF 0.03% 6,743 $290K Reduce -24.9%
VV Vngrd Mrgstr LRG-Cap ETF-Usd 0.03% 1,092 $281K Reduce -15.9%
CGGO Cap Group Global Growth filed as CAPITAL GROUP GBL GROWTH EQT 0.03% 9,842 $279K No change
MS Morgan Stanley 0.03% 2,383 $278K Reduce -8.8%
VBR Vngrd Mrngst SL-CP Val ETF-U 0.03% 1,481 $276K No change
UNH Unitedhealth Group Inc. 0.03% 510 $267K Add +0.2%
VCSH Vanguard S/T Corp. Bond ETF 0.03% 3,307 $261K New
IGM iShares Expanded Tech Sector 0.03% 2,862 $259K No change
SBUX Starbucks Corp. 0.03% 2,645 $259K Reduce -5.8%
DFCA Dimensional Calfornia MB ETF 0.03% 5,170 $256K Add +3.7%
NEE Nextera Energy Inc. 0.02% 3,503 $248K Reduce -2.9%
NSC Norfolk Southern Corp. 0.02% 1,046 $248K Add +0.3%
ESGE iShares Inc. iShares ESG Awar 0.02% 6,838 $239K No change
PSA Public Storage 0.02% 789 $236K No change
SNY Sanofi-ADR 0.02% 4,171 $231K No change
SHY iShares 1-3 Year Treasury Bo 0.02% 2,731 $226K No change
EFA iShares MSCI Eafe ETF 0.02% 2,722 $223K Add +2.5%
HPQ HP Inc. 0.02% 7,924 $219K Reduce -0.0%
NFLX Netflix Inc. 0.02% 233 $217K Add +0.4%
IOO iShares Global 100 ETF 0.02% 2,219 $214K No change
SCZ iShares MSCI Eafe Small-Cap 0.02% 3,283 $209K New
MCK McKesson Corp. 0.02% 308 $207K New
SPYX SS SPDR S&P 500 Foss FL ETF 0.02% 4,458 $204K Reduce -2.5%
INTC Intel Corp. 0.02% 8,966 $204K New
TJX TJX Companies Inc. filed as TJX COS INC NEW 0.02% 1,652 $201K New
XRAY Dentsply Sirona Inc. 0.02% 12,700 $190K No change
POLESTAR AUTOMOTIVE HLDG UK 0.00% 15,320 $16K No change

Portfolio Sells Q4 2024 → Q1 2025
DFAR Dimensional US Real Est ETF Reduce -14.2% 0.88% −0.17
BIL SS SPDR BB 1-3M T-Bill ETF Sold out 0.00% −0.17
GOOGL Alphabet Inc. Class A Reduce -0.1% 0.19% −0.05
VNQ Vanguard Real Estate ETF Reduce -3.1% 0.61% −0.04
IJH iShares Core S&P Midcap ETF Reduce -1.4% 0.25% −0.03
IWF iShares Russell 1000 Growth Reduce -1.6% 0.15% −0.03
AVGO Broadcom Inc. Sold out 0.00% −0.03
TSLA Tesla Inc. Sold out 0.00% −0.02
ETN Eaton Corp. PLC Sold out 0.00% −0.02
TGT Target Corp. Sold out 0.00% −0.02
A Agilent Technologies Inc. Sold out 0.00% −0.02
IVV iShares Core S&P 500 ETF Reduce -1.9% 0.17% −0.02
VUSB Vanguard Ultra Short Bond Et Reduce -9.1% 0.12% −0.02
IJR iShares Core S&P Small-Cap E Reduce -3.7% 0.06% −0.01
AVRE Avantis Real Estate ETF Reduce -24.9% 0.03% −0.01
DIS The Walt Disney Co. Reduce -8.1% 0.03% −0.01
VV Vngrd Mrgstr LRG-Cap ETF-Usd Reduce -15.9% 0.03% −0.01
MS Morgan Stanley Reduce -8.8% 0.03% −0.01
MRK Merck & Co. Inc. Reduce -0.7% 0.04% −0.01
GLD SPDR Gold Shares Reduce -25.9% 0.03% −0.01
SUSB iShares ESG Aware 1-5 Year U Reduce -1.1% 0.11% −0.01
HPQ HP Inc. Reduce -0.0% 0.02% −0.01
IWR iShares Russell Mid-Cap ETF Reduce -5.0% 0.03% −0.00
IWB iShares Russell 1000 ETF Reduce -3.5% 0.04% −0.00
SPMB SS SPDR P Mort Back Bond ETF Reduce -0.1% 0.20% −0.00
SPYX SS SPDR S&P 500 Foss FL ETF Reduce -2.5% 0.02% −0.00
PEP Pepsico Inc. Reduce -0.1% 0.04% −0.00
BRK.B Berkshire Hathaway Inc. Class B Reduce -14.4% 0.05% −0.00
NEE Nextera Energy Inc. Reduce -2.9% 0.02% −0.00
DLN Wisdomtree US Largecap Divid Reduce -1.6% 0.04% −0.00
TIP iShares Tips Bond ETF Reduce -1.1% 0.11% −0.00
PGR Progressive Corp. Reduce -13.9% 0.05% −0.00
SBUX Starbucks Corp. Reduce -5.8% 0.03% −0.00
LLY Eli Lilly & Co. Reduce -2.3% 0.04% −0.00
GE General Electric Reduce -6.2% 0.04% +0.00
JNJ Johnson & Johnson Reduce -1.4% 0.06% +0.00
DISV Dimensional International SM Reduce -0.7% 0.36% +0.01
VRSN Verisign Inc. Reduce -1.1% 0.18% +0.02
DFIV Dimensional International Va Reduce -0.3% 2.85% +0.15

Portfolio Buys Q4 2024 → Q1 2025
DFAI Dimensional International Co. Add +12.0% 3.40% +0.43
SCHP Schwab U.S. Tips ETF Add +14.7% 3.40% +0.42
DFGR Dim Global Real Estate ETF Add +32.6% 1.28% +0.30
AVDV Avantis Intl S/C Value ETF Add +14.4% 1.91% +0.28
DFSU Dimensional US Sus CORE1 ETF Add +34.5% 1.20% +0.21
VBIL Vanguard 0-3M T-Bill ETF New 0.20% +0.20
DFSE Dimensional Em Sus CORE1 ETF Add +46.1% 0.60% +0.18
DFSI Dimensional Int Sus COR1 ETF Add +22.3% 0.82% +0.16
AVLV Avantis US Large Cap Value Add +12.2% 2.42% +0.11
AVSE Avantis Resp Emerg MKTS Eq-E Add +12.4% 0.58% +0.05
AVSD Avantis Reps Intern Equi ETF Add +1.1% 1.19% +0.05
SPTI SS SPDR P Int Term TSY ETF Add +5.4% 1.47% +0.05
SMCI Super Micro Computer Inc. New 0.03% +0.03
SPAB SS SPDR P Agg Bond ETF Add +2.8% 8.89% +0.03
DUSB Dimension Ultrashort Fi ETF New 0.03% +0.03
BND Vanguard Total Bond Market Add +16.5% 0.22% +0.03
DFIC Dimensional International Co. Add +10.3% 0.22% +0.03
VCSH Vanguard S/T Corp. Bond ETF New 0.03% +0.03
VTI VG Morningstar TS MKT ETF-US Add +54.7% 0.08% +0.02
SCZ iShares MSCI Eafe Small-Cap New 0.02% +0.02
MCK McKesson Corp. New 0.02% +0.02
INTC Intel Corp. New 0.02% +0.02
DFAE Dimensional Emerging Core Eq Add +7.2% 0.46% +0.02
TJX TJX Companies Inc. New 0.02% +0.02
PG The Procter & Gamble Co. Add +23.6% 0.09% +0.01
AVUS Avantis U.S. Equity ETF Add +29.6% 0.09% +0.01
VTIP Vanguard Short-Term Tips Add +22.4% 0.07% +0.01
VOO Vanguard S&P 500 ETF Add +30.1% 0.07% +0.01
DFAX Dimensional World Ex US Core Add +0.6% 0.77% +0.01
V Visa Inc. Class A Add +0.2% 0.16% +0.01
WMT Walmart Inc. Add +24.9% 0.05% +0.01
MCD McDonald's Corp. Add +26.5% 0.03% +0.01
NVDA Nvidia Corp. Add +47.3% 0.04% +0.00
MRSH Marsh & McLennan Cos Add +0.3% 0.04% +0.00
ICE Intercontinental Exchange Inc. Add +0.6% 0.04% +0.00
VO Vngrd Mrngstr MD-Cap ETF-Usd Add +14.9% 0.05% +0.00
DFEM Dimensional Emrg MRKT Core Add +3.8% 2.18% +0.00
SPIB SS SPDR P Int C Corp. ETF Add +3.3% 2.11% +0.00
IBM Intl Business Machines Corp. Add +0.3% 0.03% +0.00
VGSR Vert GLB Sust Re ETF Add +5.0% 0.44% +0.00
VCEB Vanguard ESG US Corp. Bond Add +7.2% 0.05% +0.00
XOM Exxon Mobil Corp. Add +0.6% 0.03% +0.00
VEA Vanguard Ftse Developed ETF Add +3.1% 0.04% +0.00
EFA iShares MSCI Eafe ETF Add +2.5% 0.02% +0.00
SPIP SS SPDR P Tips ETF Add +0.5% 1.55% +0.00
JPM JPMorgan Chase & Co. Add +3.3% 0.08% +0.00
VWO Vanguard Ftse Emerging Marke Add +2.7% 0.05% +0.00
NFLX Netflix Inc. Add +0.4% 0.02% +0.00
VB Vanguard Most SM-Cap ETF-Usd Add +13.3% 0.06% 0.00
UNH Unitedhealth Group Inc. Add +0.2% 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