Willow Creek Wealth Management Inc.
In its 13F for Q2 2025 (holdings as of June 30, 2025, filed July 17, 2025), Willow Creek Wealth Management Inc. reported 167 stock positions worth $1.1 billion. Its top holding was Dimensional US Target Value (DFAT) at 10.2% of the portfolio, followed by Vanguard Short-Term Bond ETF (BSV, 10.0%) and SS SPDR P Agg Bond ETF (SPAB, 8.5%). Compared with Q1 2025, it opened 14 new positions, sold out of 2, added to 77 and reduced 44. The biggest buy was Dimensional US Eq MKT ETF (DFUS, shares +7%) and the biggest sale Vanguard Tax-Exempt Bond ETF (VTEB, shares −13%).
- Most Recent 13F
- Q3 2025
- Location
- Sebastopol, CA
- CIK
- 0001632407
- Portfolio Value
- $1.1B (Q2 2025)
- SEC Filing
- 0001580642-25-004297 ↗ filed Jul 17, 2025
Holdings Value
Holdings 167 stocks · $1.1B
| DFAT Dimensional US Target Value | 10.19% | 2,099,217 | $113.3M | Add +3.4% |
| BSV Vanguard Short-Term Bond ETF | 10.01% | 1,414,161 | $111.3M | Add +3.8% |
| SPAB SS SPDR P Agg Bond ETF | 8.51% | 3,695,021 | $94.6M | Add +3.3% |
| DFUS Dimensional US Eq MKT ETF | 4.80% | 796,649 | $53.4M | Add +7.1% |
| DFUV Dimensional US Marketwide Va | 4.13% | 1,085,073 | $45.9M | Reduce -1.0% |
| DFAI Dimensional International Co. | 3.75% | 1,206,131 | $41.7M | Add +7.9% |
| SUB iShares Short-Term National | 3.65% | 381,277 | $40.5M | Add +5.1% |
| SCHP Schwab U.S. Tips ETF | 3.45% | 1,439,578 | $38.4M | Add +10.7% |
| BIV Vanguard Intermediate-Term B | 3.33% | 479,154 | $37.1M | Add +0.2% |
| VTEB Vanguard Tax-Exempt Bond ETF | 2.98% | 675,264 | $33.1M | Reduce -12.9% |
| SPSB SS SPDR P St C Corp. ETF | 2.91% | 1,070,549 | $32.3M | Add +0.1% |
| DFIV Dimensional International Va | 2.84% | 737,938 | $31.6M | Reduce -0.9% |
| AVLV Avantis US Large Cap Value | 2.57% | 418,110 | $28.5M | Add +9.5% |
| DFEM Dimensional Emrg MRKT Core | 2.43% | 911,055 | $27.0M | Add +7.9% |
| AVDV Avantis Intl S/C Value ETF | 2.11% | 295,235 | $23.4M | Add +4.9% |
| SPIB SS SPDR P Int C Corp. ETF | 2.04% | 676,214 | $22.7M | Add +3.7% |
| SPTS SS SPDR P St Term TSY ETF | 1.91% | 725,851 | $21.3M | Add +3.9% |
| SPTI SS SPDR P Int Term TSY ETF | 1.49% | 577,473 | $16.6M | Add +9.2% |
| COST Costco Wholesale Corp. | 1.43% | 16,099 | $15.9M | No change |
| SPIP SS SPDR P Tips ETF | 1.43% | 609,523 | $15.9M | Add +1.0% |
| DFAU Dimensional US Core Equity M | 1.40% | 367,975 | $15.6M | Add +6.6% |
| DFGR Dim Global Real Estate ETF | 1.35% | 560,736 | $15.0M | Add +12.0% |
| AVSD Avantis Reps Intern Equi ETF | 1.32% | 216,488 | $14.6M | Add +6.4% |
| AVUV Avantis US Small Cap Value | 1.19% | 145,052 | $13.2M | Add +21.4% |
| DFSU Dimensional US Sus CORE1 ETF | 1.13% | 318,781 | $12.5M | Reduce -7.1% |
| AAPL Apple Inc. | 1.12% | 60,708 | $12.5M | Add +0.3% |
| DFSI Dimensional Int Sus COR1 ETF | 0.90% | 254,144 | $10.0M | Add +5.8% |
| DFAR Dimensional US Real Est ETF | 0.81% | 386,110 | $9.1M | Add +1.4% |
| DFAX Dimensional World Ex US Core | 0.79% | 298,494 | $8.8M | Reduce -1.6% |
| AVSE Avantis Resp Emerg MKTS Eq-E | 0.72% | 136,736 | $8.0M | Add +17.4% |
| CSCO Cisco Systems Inc. | 0.67% | 107,553 | $7.5M | Add +3.8% |
| DFAC Dimensional US Core Equity 2 | 0.58% | 179,528 | $6.4M | Add +11.1% |
| VNQ Vanguard Real Estate ETF | 0.58% | 71,794 | $6.4M | Add +3.7% |
| AVSU Avantis Resp US Equity ETF | 0.57% | 91,791 | $6.3M | Add +34.8% |
| DFSE Dimensional Em Sus CORE1 ETF | 0.56% | 163,365 | $6.2M | Reduce -10.4% |
| DFAE Dimensional Emerging Core Eq | 0.49% | 189,931 | $5.5M | Add +5.1% |
| VGSR Vert GLB Sust Re ETF filed as MANAGER DIRECTED PORTFOLIOS | 0.42% | 450,265 | $4.7M | Add +1.1% |
| ESML iShares ESG Aware MSCI USA S | 0.41% | 109,489 | $4.5M | Add +3.3% |
| DISV Dimensional International SM | 0.37% | 124,477 | $4.1M | Reduce -1.5% |
| INTU Intuit Inc. | 0.25% | 3,591 | $2.8M | Add +0.1% |
| DFIC Dimensional International Co. | 0.24% | 86,495 | $2.7M | Add +7.1% |
| IJH iShares Core S&P Midcap ETF | 0.24% | 42,212 | $2.6M | Reduce -3.7% |
| VBIL Vanguard 0-3M T-Bill ETF | 0.23% | 33,526 | $2.5M | Add +25.3% |
| PL Planet Labs PBC | 0.22% | 400,000 | $2.4M | No change |
| WRB WR Berkley Corp. filed as BERKLEY W R CORP | 0.22% | 33,010 | $2.4M | Add +0.4% |
| DFAS Dimensional US Small Cap ETF | 0.20% | 35,728 | $2.3M | Reduce -0.4% |
| GOOG Alphabet Inc. Class C | 0.20% | 12,809 | $2.3M | Reduce -0.9% |
| GOOGL Alphabet Inc. Class A | 0.20% | 12,410 | $2.2M | Reduce -0.2% |
| MSFT Microsoft Corp. | 0.19% | 4,252 | $2.1M | Add +2.7% |
| VRSN Verisign Inc. | 0.19% | 7,187 | $2.1M | Reduce -2.4% |
| SPMB SS SPDR P Mort Back Bond ETF | 0.18% | 92,559 | $2.0M | Add +0.3% |
| BND Vanguard Total Bond Market | 0.18% | 26,485 | $2.0M | Reduce -13.4% |
| IVV iShares Core S&P 500 ETF | 0.17% | 3,050 | $1.9M | Reduce -1.4% |
| SGOV iShares 0-3 Month Treasury B | 0.17% | 18,649 | $1.9M | Reduce -25.2% |
| IWF iShares Russell 1000 Growth | 0.17% | 4,392 | $1.9M | Reduce -0.3% |
| TMO Thermo Fisher Scientific Inc. | 0.16% | 4,355 | $1.8M | Reduce -0.0% |
| V Visa Inc. Class A | 0.15% | 4,767 | $1.7M | Add +1.0% |
| VOO Vanguard S&P 500 ETF | 0.14% | 2,691 | $1.5M | Add +85.5% |
| DFIP Dimensional Inflation-Protec | 0.13% | 35,279 | $1.5M | Reduce -1.9% |
| VMBS Vanguard Mortgage-Backed Sec | 0.11% | 27,440 | $1.3M | No change |
| VTI VG Morningstar TS MKT ETF-US | 0.11% | 4,014 | $1.2M | Add +34.6% |
| DFSV Dimensional US Small Cap Val | 0.11% | 41,282 | $1.2M | Add +170.1% |
| VUSB Vanguard Ultra Short Bond Et | 0.11% | 24,324 | $1.2M | Reduce -1.5% |
| ORCL Oracle Corp. | 0.10% | 5,276 | $1.2M | Reduce -10.7% |
| SUSB iShares ESG Aware 1-5 Year U | 0.10% | 44,437 | $1.1M | Reduce -1.4% |
| TIP iShares Tips Bond ETF | 0.10% | 9,817 | $1.1M | Reduce -1.1% |
| ITOT iShares Core S&P Total U.S. | 0.09% | 7,807 | $1.1M | No change |
| DFLV Dim US Large Cap Value ETF | 0.09% | 32,954 | $1.0M | Add +157.4% |
| JPM JPMorgan Chase & Co. | 0.09% | 3,475 | $1.0M | Add +2.1% |
| VB Vanguard Most SM-Cap ETF-Usd | 0.09% | 4,149 | $983K | Add +41.6% |
| SUSA iShares ESG Optimized MSCI U | 0.09% | 7,679 | $973K | No change |
| IJS iShares S&P Small-Cap 600 Va | 0.09% | 9,496 | $945K | No change |
| VTIP Vanguard Short-Term Tips | 0.08% | 18,460 | $928K | Add +28.6% |
| IWD iShares Russell 1000 Value E | 0.08% | 4,635 | $900K | No change |
| DSI iShares ESG MSCI KLD 400 ETF | 0.08% | 7,361 | $855K | Add +0.1% |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.08% | 1,373 | $849K | Add +10.0% |
| SUSC iShares ESG Aware Usd Corpor | 0.07% | 34,237 | $795K | Reduce -1.8% |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 0.07% | 2,728 | $764K | Add +44.3% |
| VIG Vanguard Dividend Apprec ETF | 0.07% | 3,705 | $759K | Reduce -9.5% |
| FSLY Fastly Inc. Class A | 0.07% | 102,474 | $723K | Reduce -0.0% |
| AVUS Avantis U.S. Equity ETF | 0.06% | 7,129 | $719K | Reduce -27.9% |
| AFL Aflac Inc. | 0.06% | 6,599 | $696K | Reduce -0.2% |
| DFCA Dimensional Calfornia MB ETF | 0.06% | 13,850 | $683K | Add +167.9% |
| PRF Invesco Rafi US 1000 ETF | 0.06% | 15,805 | $668K | No change |
| QQQ Invesco QQQ Trust Series 1 | 0.06% | 1,179 | $651K | Add +27.1% |
| VWO Vanguard Ftse Emerging Marke | 0.06% | 13,149 | $650K | Add +15.2% |
| MA Mastercard Inc. Class A | 0.06% | 1,107 | $622K | Add +1.9% |
| JNJ Johnson & Johnson | 0.06% | 4,035 | $616K | Add +1.2% |
| PG The Procter & Gamble Co. | 0.06% | 3,869 | $616K | Reduce -26.7% |
| WMT Walmart Inc. | 0.05% | 6,073 | $594K | Add +1.3% |
| NVDA Nvidia Corp. | 0.05% | 3,724 | $588K | Add +3.7% |
| IJR iShares Core S&P Small-Cap E | 0.05% | 5,145 | $562K | Reduce -11.4% |
| VCEB Vanguard ESG US Corp. Bond | 0.05% | 8,727 | $553K | Add +3.4% |
| META Meta Platforms Inc. Class A | 0.05% | 741 | $547K | Add +8.7% |
| VXUS Vanguard Total Intl Stock | 0.05% | 7,778 | $537K | New |
| HON Honeywell International Inc. | 0.05% | 2,277 | $530K | No change |
| MUB iShares National Muni Bond E | 0.05% | 4,954 | $518K | Add +0.8% |
| DIS The Walt Disney Co. filed as DISNEY WALT CO | 0.05% | 4,140 | $514K | Add +34.7% |
| AMZN Amazon.com Inc. | 0.05% | 2,324 | $510K | Add +12.7% |
| PGR Progressive Corp. | 0.05% | 1,887 | $504K | No change |
Portfolio Sells Q1 2025 → Q2 2025
| VTEB Vanguard Tax-Exempt Bond ETF | Reduce -12.9% | 2.98% | −0.77 |
| DFUV Dimensional US Marketwide Va | Reduce -1.0% | 4.13% | −0.27 |
| SGOV iShares 0-3 Month Treasury B | Reduce -25.2% | 0.17% | −0.08 |
| DFSU Dimensional US Sus CORE1 ETF | Reduce -7.1% | 1.13% | −0.07 |
| TMO Thermo Fisher Scientific Inc. | Reduce -0.0% | 0.16% | −0.05 |
| BND Vanguard Total Bond Market | Reduce -13.4% | 0.18% | −0.04 |
| DFSE Dimensional Em Sus CORE1 ETF | Reduce -10.4% | 0.56% | −0.04 |
| PG The Procter & Gamble Co. | Reduce -26.7% | 0.06% | −0.03 |
| UNH Unitedhealth Group Inc. | Sold out | 0.00% | −0.03 |
| AVUS Avantis U.S. Equity ETF | Reduce -27.9% | 0.06% | −0.02 |
| HPQ HP Inc. | Sold out | 0.00% | −0.02 |
| DFIP Dimensional Inflation-Protec | Reduce -1.9% | 0.13% | −0.01 |
| IJH iShares Core S&P Midcap ETF | Reduce -3.7% | 0.24% | −0.01 |
| VUSB Vanguard Ultra Short Bond Et | Reduce -1.5% | 0.11% | −0.01 |
| DFIV Dimensional International Va | Reduce -0.9% | 2.84% | −0.01 |
| BRK.B Berkshire Hathaway Inc. Class B | Reduce -3.9% | 0.04% | −0.01 |
| TIP iShares Tips Bond ETF | Reduce -1.1% | 0.10% | −0.01 |
| SUSB iShares ESG Aware 1-5 Year U | Reduce -1.4% | 0.10% | −0.01 |
| VIG Vanguard Dividend Apprec ETF | Reduce -9.5% | 0.07% | −0.01 |
| AFL Aflac Inc. | Reduce -0.2% | 0.06% | −0.01 |
| MRK Merck & Co. Inc. | Reduce -6.3% | 0.03% | −0.01 |
| IJR iShares Core S&P Small-Cap E | Reduce -11.4% | 0.05% | −0.01 |
| PEP Pepsico Inc. | Reduce -0.1% | 0.03% | −0.01 |
| SUSC iShares ESG Aware Usd Corpor | Reduce -1.8% | 0.07% | −0.01 |
| IWR iShares Russell Mid-Cap ETF | Reduce -13.1% | 0.03% | −0.00 |
| SMCI Super Micro Computer Inc. | Reduce -33.8% | 0.03% | −0.00 |
| DFAS Dimensional US Small Cap ETF | Reduce -0.4% | 0.20% | −0.00 |
| DHR Danaher Corp. | Reduce -0.5% | 0.03% | −0.00 |
| ACN Accenture PLC Class A | Reduce -0.3% | 0.03% | −0.00 |
| SBUX Starbucks Corp. | Reduce -0.7% | 0.02% | −0.00 |
| BAC Bank of America Corp. | Reduce -10.9% | 0.03% | −0.00 |
| INTC Intel Corp. | Reduce -0.2% | 0.02% | −0.00 |
| VEA Vanguard Ftse Developed ETF | Reduce -3.9% | 0.04% | −0.00 |
| NSC Norfolk Southern Corp. | Reduce -0.3% | 0.02% | −0.00 |
| SCZ iShares MSCI Eafe Small-Cap | Reduce -3.4% | 0.02% | +0.00 |
| SPYX SS SPDR S&P 500 Foss FL ETF | Reduce -0.9% | 0.02% | +0.00 |
| IVV iShares Core S&P 500 ETF | Reduce -1.4% | 0.17% | +0.00 |
| FSLY Fastly Inc. Class A | Reduce -0.0% | 0.07% | +0.00 |
| TXN Texas Instruments Inc. | Reduce -0.1% | 0.04% | +0.00 |
| VRSN Verisign Inc. | Reduce -2.4% | 0.19% | +0.00 |
| GOOG Alphabet Inc. Class C | Reduce -0.9% | 0.20% | +0.01 |
| GOOGL Alphabet Inc. Class A | Reduce -0.2% | 0.20% | +0.01 |
| DISV Dimensional International SM | Reduce -1.5% | 0.37% | +0.01 |
| IWF iShares Russell 1000 Growth | Reduce -0.3% | 0.17% | +0.01 |
| DFAX Dimensional World Ex US Core | Reduce -1.6% | 0.79% | +0.01 |
| ORCL Oracle Corp. | Reduce -10.7% | 0.10% | +0.02 |
Portfolio Buys Q1 2025 → Q2 2025
| DFUS Dimensional US Eq MKT ETF | Add +7.1% | 4.80% | +0.42 |
| DFAI Dimensional International Co. | Add +7.9% | 3.75% | +0.35 |
| DFEM Dimensional Emrg MRKT Core | Add +7.9% | 2.43% | +0.26 |
| AVDV Avantis Intl S/C Value ETF | Add +4.9% | 2.11% | +0.19 |
| AVUV Avantis US Small Cap Value | Add +21.4% | 1.19% | +0.17 |
| AVSU Avantis Resp US Equity ETF | Add +34.8% | 0.57% | +0.15 |
| AVLV Avantis US Large Cap Value | Add +9.5% | 2.57% | +0.14 |
| AVSE Avantis Resp Emerg MKTS Eq-E | Add +17.4% | 0.72% | +0.14 |
| AVSD Avantis Reps Intern Equi ETF | Add +6.4% | 1.32% | +0.13 |
| DFAU Dimensional US Core Equity M | Add +6.6% | 1.40% | +0.11 |
| DFSI Dimensional Int Sus COR1 ETF | Add +5.8% | 0.90% | +0.08 |
| DFGR Dim Global Real Estate ETF | Add +12.0% | 1.35% | +0.07 |
| DFSV Dimensional US Small Cap Val | Add +170.1% | 0.11% | +0.07 |
| VOO Vanguard S&P 500 ETF | Add +85.5% | 0.14% | +0.06 |
| DFAC Dimensional US Core Equity 2 | Add +11.1% | 0.58% | +0.06 |
| DFLV Dim US Large Cap Value ETF | Add +157.4% | 0.09% | +0.05 |
| SCHP Schwab U.S. Tips ETF | Add +10.7% | 3.45% | +0.05 |
| VXUS Vanguard Total Intl Stock | New | 0.05% | +0.05 |
| CSCO Cisco Systems Inc. | Add +3.8% | 0.67% | +0.05 |
| VCIT Vanguard Int-Term Corporate | New | 0.04% | +0.04 |
| INTU Intuit Inc. | Add +0.1% | 0.25% | +0.04 |
| DFAE Dimensional Emerging Core Eq | Add +5.1% | 0.49% | +0.04 |
| MSFT Microsoft Corp. | Add +2.7% | 0.19% | +0.04 |
| DFCA Dimensional Calfornia MB ETF | Add +167.9% | 0.06% | +0.04 |
| VHT Vanguard Health Care ETF | New | 0.03% | +0.03 |
| VONV Vanguard Russell 1000 Value | New | 0.03% | +0.03 |
| VOT Vngrd Mrngstr MC GRW ETF-Usd | New | 0.03% | +0.03 |
| VBIL Vanguard 0-3M T-Bill ETF | Add +25.3% | 0.23% | +0.03 |
| AVGO Broadcom Inc. | New | 0.03% | +0.03 |
| VTI VG Morningstar TS MKT ETF-US | Add +34.6% | 0.11% | +0.03 |
| VGT Vanguard Info Tech ETF | New | 0.03% | +0.03 |
| VB Vanguard Most SM-Cap ETF-Usd | Add +41.6% | 0.09% | +0.03 |
| ETN Eaton Corp. PLC | New | 0.02% | +0.02 |
| GEV GE Vernova Inc. | New | 0.02% | +0.02 |
| DFIC Dimensional International Co. | Add +7.1% | 0.24% | +0.02 |
| SPTI SS SPDR P Int Term TSY ETF | Add +9.2% | 1.49% | +0.02 |
| CI The Cigna Group | New | 0.02% | +0.02 |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | Add +44.3% | 0.07% | +0.02 |
| PANW Palo Alto Networks Inc. | New | 0.02% | +0.02 |
| CGXU Cap Group Intl Focus | New | 0.02% | +0.02 |
| BNDX Vanguard Total Intl Bond ETF | New | 0.02% | +0.02 |
| CSX CSX Corp. | New | 0.02% | +0.02 |
| DIS The Walt Disney Co. | Add +34.7% | 0.05% | +0.02 |
| QQQ Invesco QQQ Trust Series 1 | Add +27.1% | 0.06% | +0.02 |
| NVDA Nvidia Corp. | Add +3.7% | 0.05% | +0.01 |
| DUSB Dimension Ultrashort Fi ETF | Add +63.3% | 0.04% | +0.01 |
| VTIP Vanguard Short-Term Tips | Add +28.6% | 0.08% | +0.01 |
| META Meta Platforms Inc. Class A | Add +8.7% | 0.05% | +0.01 |
| DFAT Dimensional US Target Value | Add +3.4% | 10.19% | +0.01 |
| ESML iShares ESG Aware MSCI USA S | Add +3.3% | 0.41% | +0.01 |
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 |