Willow Creek Wealth Management Inc.

Sebastopol, CA · CIK 1632407 · 13F filing filed 2025-11-12

No investment adviser registration (Form ADV) found for this filer. It may be a parent company whose subsidiaries are the registered advisers, a bank or insurer, or a manager based outside the US.

Others nearbySebastopol, CA

$1.2bn reported value +9.2% vs Q2 2025

180positions

54.4%in top 10

16 new 83 added 41 reduced 3 sold out vs Q2 2025

Holdings, Q3 2025

The small lines show how much was held over the last 4 quarters (adjusted for stock splits).

#	Security	Ticker	Shares	Value	% of portfolio	Change	Shares change
1	DIMENSIONAL ETF TRUST US TARGETED VLU DFAT	DFAT	2,153,099	$125.3m10.32%	10.32%	Added +53.9k	+53,882 2.6%
2	VANGUARD BD INDEX FDS SHORT TRM BOND BSV	BSV	1,503,962	$118.7m9.77%	9.77%	Added +89.8k	+89,801 6.3%
3	SPDR SER TR PORTFOLIO AGRGTE SPAB	SPAB	3,934,831	$101.7m8.38%	8.38%	Added +239.8k	+239,810 6.5%
4	DIMENSIONAL ETF TRUST US EQUITY MARKET DFUS	DFUS	819,697	$59.4m4.89%	4.89%	Added +23.0k	+23,048 2.9%
5	DIMENSIONAL ETF TRUST US MKTWIDE VALUE DFUV	DFUV	1,080,534	$48.3m3.98%	3.98%	Reduced -4.5k	-4,539 -0.4%
6	DIMENSIONAL ETF TRUST INTL CORE EQT MK DFAI	DFAI	1,320,407	$48.0m3.95%	3.95%	Added +114.3k	+114,276 9.5%
7	ISHARES TR SHRT NAT MUN ETF SUB	SUB	421,947	$45.1m3.71%	3.71%	Added +40.7k	+40,670 10.7%
8	SCHWAB STRATEGIC TR US TIPS ETF SCHP	SCHP	1,548,759	$41.7m3.44%	3.44%	Added +109.2k	+109,181 7.6%
9	VANGUARD BD INDEX FDS INTERMED TERM BIV	BIV	489,501	$38.2m3.15%	3.15%	Added +10.3k	+10,347 2.2%
10	VANGUARD MUN BD FDS TAX EXEMPT BD VTEB	VTEB	679,977	$34.0m2.80%	2.80%	Added +4.7k	+4,713 0.7%
11	DIMENSIONAL ETF TRUST INTERNATNAL VAL DFIV	DFIV	732,358	$33.8m2.78%	2.78%	Reduced -5.6k	-5,580 -0.8%
12	SPDR SER TR PORTFOLIO SHORT SPSB	SPSB	1,107,756	$33.6m2.76%	2.76%	Added +37.2k	+37,207 3.5%
13	AMERICAN CENTY ETF TR US LARGE CAP VLU AVLV	AVLV	444,586	$32.1m2.65%	2.65%	Added +26.5k	+26,476 6.3%
14	DIMENSIONAL ETF TRUST EMERGING MKTS CO DFEM	DFEM	962,189	$30.9m2.54%	2.54%	Added +51.1k	+51,134 5.6%
15	AMERICAN CENTY ETF TR INTL SMCP VLU AVDV	AVDV	299,193	$26.6m2.19%	2.19%	Added +4.0k	+3,958 1.3%
16	SPDR SER TR PORTFOLIO INTRMD SPIB	SPIB	699,809	$23.7m1.95%	1.95%	Added +23.6k	+23,595 3.5%
17	SPDR SER TR PORTFOLIO SH TSR SPTS	SPTS	745,398	$21.9m1.80%	1.80%	Added +19.5k	+19,547 2.7%
18	DIMENSIONAL ETF TRUST GLOBAL REAL EST DFGR	DFGR	638,861	$17.4m1.44%	1.44%	Added +78.1k	+78,125 13.9%
19	SPDR SER TR PORTFLI INTRMDIT SPTI	SPTI	593,737	$17.2m1.41%	1.41%	Added +16.3k	+16,264 2.8%
20	DIMENSIONAL ETF TRUST US CORE EQT MKT DFAU	DFAU	365,649	$16.7m1.38%	1.38%	Reduced -2.3k	-2,326 -0.6%
21	SPDR SER TR PORTFLI TIPS ETF SPIP	SPIP	620,526	$16.3m1.34%	1.34%	Added +11.0k	+11,003 1.8%
22	AMERICAN CENTY ETF TR AVANTIS RESPONSI AVSD	AVSD	217,469	$15.6m1.28%	1.28%	Added +981	+981 0.5%
23	APPLE INC COM AAPL	AAPL	60,737	$15.5m1.27%	1.27%	Added +29	+29 0.1%
24	COSTCO WHSL CORP NEW COM COST	COST	16,174	$15.0m1.23%	1.23%	Added +75	+75 0.5%
25	AMERICAN CENTY ETF TR US SML CP VALU AVUV	AVUV	146,054	$14.5m1.20%	1.20%	Added +1.0k	+1,002 0.7%
26	DIMENSIONAL ETF TRUST US SUSTAINABILTY DFSU	DFSU	326,933	$13.9m1.14%	1.14%	Added +8.2k	+8,152 2.6%
27	DIMENSIONAL ETF TRUST INTERNATIONAL DFSI	DFSI	257,374	$10.5m0.87%	0.87%	Added +3.2k	+3,230 1.3%
28	DIMENSIONAL ETF TRUST WORLD EX US CORE DFAX	DFAX	299,035	$9.4m0.77%	0.77%	Added +541	+541 0.2%
29	DIMENSIONAL ETF TRUST US REAL ESTATE E US REAL ESTATE E		391,044	$9.3m0.77%	0.77%	Added +4.9k	+4,934 1.3%
30	AMERICAN CENTY ETF TR AVANTIS RESPONSI AVSE	AVSE	137,460	$8.7m0.72%	0.72%	Added +724	+724 0.5%
31	CISCO SYS INC COM CSCO	CSCO	107,615	$7.4m0.61%	0.61%	Added +62	+62 0.1%
32	DIMENSIONAL ETF TRUST US CORE EQUITY 2 DFAC	DFAC	179,208	$6.9m0.57%	0.57%	Reduced -320	-320 -0.2%
33	DIMENSIONAL ETF TRUST EMERGING MARKETS DFSE	DFSE	165,745	$6.8m0.56%	0.56%	Added +2.4k	+2,380 1.5%
34	VANGUARD INDEX FDS REAL ESTATE ETF VNQ	VNQ	74,034	$6.8m0.56%	0.56%	Added +2.2k	+2,240 3.1%
35	AMERICAN CENTY ETF TR AVANTIS RESPON U AVSU	AVSU	89,985	$6.6m0.55%	0.55%	Reduced -1.8k	-1,806 -2.0%
36	DIMENSIONAL ETF TRUST EMGR CRE EQT MNG DFAE	DFAE	195,526	$6.2m0.51%	0.51%	Added +5.6k	+5,595 3.0%
37	VANGUARD INSTL INDEX FD 0-3 MO TREAS BIL VBIL	VBIL	68,843	$5.2m0.43%	0.43%	Added +35.3k	+35,317 105.3%
38	MANAGER DIRECTED PORTFOLIOS VERT GLB SUST RE VGSR	VGSR	474,258	$5.1m0.42%	0.42%	Added +24.0k	+23,993 5.3%
39	ISHARES TR ESG AWARE MSCI ESML	ESML	109,292	$4.9m0.41%	0.41%	Reduced -197	-197 -0.2%
40	DIMENSIONAL ETF TRUST INTL SMALL CAP V DISV	DISV	123,895	$4.4m0.36%	0.36%	Reduced -582	-582 -0.5%
41	VANGUARD INDEX FDS S&P 500 ETF SHS VOO	VOO	5,128	$3.1m0.26%	0.26%	Added +2.4k	+2,437 90.6%
42	ALPHABET INC CAP STK CL C GOOG	GOOG	12,790	$3.1m0.26%	0.26%	Reduced -19	-19 -0.1%
43	ALPHABET INC CAP STK CL A GOOGL	GOOGL	12,412	$3.0m0.25%	0.25%	Added +2	+2 0.0%
44	DIMENSIONAL ETF TRUST INTL CORE EQUITY DFIC	DFIC	87,194	$2.9m0.24%	0.24%	Added +699	+699 0.8%
45	ISHARES TR CORE S&P MCP ETF IJH	IJH	42,223	$2.8m0.23%	0.23%	Added +11	+11 0.0%
46	BERKLEY W R CORP COM WRB	WRB	33,010	$2.5m0.21%	0.21%	Unchanged
47	INTUIT COM INTU	INTU	3,591	$2.5m0.20%	0.20%	Unchanged
48	MICROSOFT CORP COM MSFT	MSFT	4,730	$2.5m0.20%	0.20%	Added +478	+478 11.2%
49	DIMENSIONAL ETF TRUST US SMALL CAP ETF DFAS	DFAS	35,742	$2.4m0.20%	0.20%	Added +14	+14 0.0%
50	ISHARES TR CORE S&P500 ETF IVV	IVV	3,208	$2.1m0.18%	0.18%	Added +158	+158 5.2%
51	THERMO FISHER SCIENTIFIC INC COM TMO	TMO	4,344	$2.1m0.17%	0.17%	Reduced -11	-11 -0.2%
52	SPDR SER TR PORT MTG BK ETF SPMB	SPMB	92,874	$2.1m0.17%	0.17%	Added +315	+315 0.3%
53	ISHARES TR RUS 1000 GRW ETF IWF	IWF	4,342	$2.0m0.17%	0.17%	Reduced -50	-50 -1.1%
54	VANGUARD INDEX FDS TOTAL STK MKT VTI	VTI	5,997	$2.0m0.16%	0.16%	Added +2.0k	+1,983 49.4%
55	VANGUARD BD INDEX FDS TOTAL BND MRKT BND	BND	25,915	$1.9m0.16%	0.16%	Reduced -570	-570 -2.1%
56	VERISIGN INC COM VRSN	VRSN	6,818	$1.9m0.16%	0.16%	Reduced -369	-369 -5.1%
57	VANGUARD INDEX FDS MID CAP ETF VO	VO	6,308	$1.9m0.15%	0.15%	Added +3.6k	+3,580 131.2%
58	VISA INC COM CL A V	V	4,736	$1.6m0.13%	0.13%	Reduced -31	-31 -0.7%
59	VANGUARD INDEX FDS GROWTH ETF VUG	VUG	3,361	$1.6m0.13%	0.13%	New
60	VANGUARD WORLD FD INF TECH ETF VGT	VGT	2,150	$1.6m0.13%	0.13%	Added +1.7k	+1,673 350.7%
61	ISHARES TR 0-3 MNTH TREASRY SGOV	SGOV	15,860	$1.6m0.13%	0.13%	Reduced -2.8k	-2,789 -15.0%
62	VANGUARD INDEX FDS SMALL CP ETF VB	VB	6,261	$1.6m0.13%	0.13%	Added +2.1k	+2,112 50.9%
63	DIMENSIONAL ETF TRUST US SMALL CAP VAL US SMALL CAP VAL		48,267	$1.5m0.13%	0.13%	Added +7.0k	+6,985 16.9%
64	DIMENSIONAL ETF TRUST INFLATION PROTE DFIP	DFIP	35,724	$1.5m0.12%	0.12%	Added +445	+445 1.3%
65	ORACLE CORP COM ORCL	ORCL	5,276	$1.5m0.12%	0.12%	Unchanged
66	VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF VMBS	VMBS	27,440	$1.3m0.11%	0.11%	Unchanged
67	ISHARES TR CORE S&P TTL STK ITOT	ITOT	8,782	$1.3m0.11%	0.11%	Added +975	+975 12.5%
68	VANGUARD BD INDEX FDS VANGUARD ULTRA VUSB	VUSB	24,781	$1.2m0.10%	0.10%	Added +457	+457 1.9%
69	VANGUARD STAR FDS VG TL INTL STK F VXUS	VXUS	16,335	$1.2m0.10%	0.10%	Added +8.6k	+8,557 110.0%
70	ISHARES TR ESG AWRE 1 5 YR SUSB	SUSB	46,328	$1.2m0.10%	0.10%	Added +1.9k	+1,891 4.3%
71	VANGUARD MALVERN FDS STRM INFPROIDX VTIP	VTIP	22,958	$1.2m0.10%	0.10%	Added +4.5k	+4,498 24.4%
72	VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF VWO	VWO	20,381	$1.1m0.09%	0.09%	Added +7.2k	+7,232 55.0%
73	JPMORGAN CHASE & CO COM JPM	JPM	3,462	$1.1m0.09%	0.09%	Reduced -13	-13 -0.4%
74	DIMENSIONAL ETF TRUST US LARGE CAP VAL DFLV	DFLV	33,128	$1.1m0.09%	0.09%	Added +174	+174 0.5%
75	ISHARES TR TIPS BD ETF TIP	TIP	9,758	$1.1m0.09%	0.09%	Reduced -59	-59 -0.6%
76	VANGUARD SCOTTSDALE FDS VNG RUS1000VAL VONV	VONV	11,935	$1.1m0.09%	0.09%	Added +7.6k	+7,552 172.3%
77	ISHARES TR SP SMCP600VL ETF IJS	IJS	9,496	$1.1m0.09%	0.09%	Unchanged
78	ISHARES TR MSCI USA ESG SLC SUSA	SUSA	7,679	$1.0m0.09%	0.09%	Unchanged
79	INVESCO QQQ TR UNIT SER 1 QQQ	QQQ	1,701	$1.0m0.08%	0.08%	Added +522	+522 44.3%
80	VANGUARD WORLD FD HEALTH CAR ETF VHT	VHT	3,739	$970.8k0.08%	0.08%	Added +2.2k	+2,185 140.6%
81	ISHARES TR RUS 1000 VAL ETF IWD	IWD	4,635	$943.6k0.08%	0.08%	Unchanged
82	ISHARES TR MSCI KLD400 SOC DSI	DSI	7,361	$927.1k0.08%	0.08%	Unchanged
83	SPDR S&P 500 ETF TR TR UNIT SPY	SPY	1,373	$915.2k0.08%	0.08%	Unchanged
84	ISHARES TR ESG AWRE USD ETF SUSC	SUSC	34,237	$806.6k0.07%	0.07%	Unchanged
85	VANGUARD SPECIALIZED FUNDS DIV APP ETF VIG	VIG	3,688	$796.0k0.07%	0.07%	Reduced -17	-17 -0.5%
86	NVIDIA CORPORATION COM NVDA	NVDA	4,255	$793.9k0.07%	0.07%	Added +531	+531 14.3%
87	JOHNSON & JOHNSON COM JNJ	JNJ	4,242	$786.7k0.06%	0.06%	Added +207	+207 5.1%
88	AMERICAN CENTY ETF TR US EQT ETF AVUS	AVUS	7,091	$770.8k0.06%	0.06%	Reduced -38	-38 -0.5%
89	AFLAC INC COM AFL	AFL	6,599	$737.1k0.06%	0.06%	Unchanged
90	INVESCO EXCHANGE TRADED FD T RAFI US 1000 ETF PRF	PRF	15,805	$714.5k0.06%	0.06%	Unchanged
91	DIMENSIONAL ETF TRUST SHORT DURATION F DFSD	DFSD	14,532	$700.3k0.06%	0.06%	New
92	DIMENSIONAL ETF TRUST CALIF MUN BD ETF DFCA	DFCA	13,951	$695.1k0.06%	0.06%	Added +101	+101 0.7%
93	PROCTER AND GAMBLE CO COM PG	PG	4,322	$664.1k0.05%	0.05%	Added +453	+453 11.7%
94	MASTERCARD INCORPORATED CL A MA	MA	1,103	$627.4k0.05%	0.05%	Reduced -4	-4 -0.4%
95	SPDR GOLD TR GOLD SHS GLD	GLD	1,741	$618.9k0.05%	0.05%	Added +491	+491 39.3%
96	WALMART INC COM WMT	WMT	5,995	$617.8k0.05%	0.05%	Reduced -78	-78 -1.3%
97	ISHARES TR CORE S&P SCP ETF IJR	IJR	5,145	$611.4k0.05%	0.05%	Unchanged
98	VANGUARD WORLD FD ESG US CORP BD VCEB	VCEB	9,282	$595.9k0.05%	0.05%	Added +555	+555 6.4%
99	BERKSHIRE HATHAWAY INC DEL CL B NEW BRK.B	BRK.B	1,154	$580.2k0.05%	0.05%	Added +148	+148 14.7%
100	PROSHARES TR LARGE CAP CRE CSM	CSM	7,389	$565.9k0.05%	0.05%	New

Sold out since Q2 2025

Security	Ticker	Shares held before	Value then
PLANET LABS PBC PL	PL	400,000	$2.4m400.0k shares
FASTLY INC FSLY	FSLY	102,474	$723.5k102.5k shares
SANOFI SNY	SNY	4,202	$203.0k4.2k shares