# Willow Creek Wealth Management Inc.

> Institutional holdings reported to the SEC as of Q3 2025 on Form 13F. CIK 1632407. Source: https://holderbook.com/funds/1632407-willow-creek-wealth-management-inc/

- Reported value: $1.2B
- Positions: 180
- Weight of the ten largest: 54.4%
- Filed: 2025-11-12

A 13F reports long US equity positions only. Short positions, bonds, foreign listings, private holdings and cash are not visible, so this is not the manager's whole book.

## Holdings

| Security | Ticker | Value | Shares | Weight | Quarters held |
|---|---|---|---|---|---|
| DIMENSIONAL ETF TRUST | [DFAT](https://holderbook.com/stocks/DFAT/) | $125.3M | 2,153,099 | 10.3% | 18 |
| VANGUARD BD INDEX FDS | [BSV](https://holderbook.com/stocks/BSV/) | $118.7M | 1,503,962 | 9.8% | 28 |
| SPDR SERIES TRUST | [SPAB](https://holderbook.com/stocks/SPAB/) | $101.7M | 3,934,831 | 8.4% | 28 |
| DIMENSIONAL ETF TRUST | [DFUS](https://holderbook.com/stocks/DFUS/) | $59.4M | 819,697 | 4.9% | 18 |
| DIMENSIONAL ETF TRUST | [DFUV](https://holderbook.com/stocks/DFUV/) | $48.3M | 1,080,534 | 4.0% | 14 |
| DIMENSIONAL ETF TRUST | [DFAI](https://holderbook.com/stocks/DFAI/) | $48.0M | 1,320,407 | 4.0% | 19 |
| ISHARES TR | [SUB](https://holderbook.com/stocks/SUB/) | $45.1M | 421,947 | 3.7% | 12 |
| SCHWAB STRATEGIC TR | [SCHP](https://holderbook.com/stocks/SCHP/) | $41.7M | 1,548,759 | 3.4% | 23 |
| VANGUARD BD INDEX FDS | [BIV](https://holderbook.com/stocks/BIV/) | $38.2M | 489,501 | 3.1% | 28 |
| VANGUARD MUN BD FDS | [VTEB](https://holderbook.com/stocks/VTEB/) | $34.0M | 679,977 | 2.8% | 20 |
| DIMENSIONAL ETF TRUST | [DFIV](https://holderbook.com/stocks/DFIV/) | $33.8M | 732,358 | 2.8% | 17 |
| SPDR SERIES TRUST | [SPSB](https://holderbook.com/stocks/SPSB/) | $33.6M | 1,107,756 | 2.8% | 28 |
| AMERICAN CENTY ETF TR | [AVLV](https://holderbook.com/stocks/AVLV/) | $32.1M | 444,586 | 2.6% | 14 |
| DIMENSIONAL ETF TRUST | [DFEM](https://holderbook.com/stocks/DFEM/) | $30.9M | 962,189 | 2.5% | 13 |
| AMERICAN CENTY ETF TR | [AVDV](https://holderbook.com/stocks/AVDV/) | $26.6M | 299,193 | 2.2% | 16 |
| SPDR SERIES TRUST | [SPIB](https://holderbook.com/stocks/SPIB/) | $23.7M | 699,809 | 2.0% | 28 |
| SPDR SERIES TRUST | [SPTS](https://holderbook.com/stocks/SPTS/) | $21.9M | 745,398 | 1.8% | 28 |
| DIMENSIONAL ETF TRUST | [DFGR](https://holderbook.com/stocks/DFGR/) | $17.4M | 638,861 | 1.4% | 11 |
| SPDR SERIES TRUST | [SPTI](https://holderbook.com/stocks/SPTI/) | $17.2M | 593,737 | 1.4% | 28 |
| DIMENSIONAL ETF TRUST | [DFAU](https://holderbook.com/stocks/DFAU/) | $16.7M | 365,649 | 1.4% | 19 |
| SPDR SERIES TRUST | [SPIP](https://holderbook.com/stocks/SPIP/) | $16.3M | 620,526 | 1.3% | 28 |
| AMERICAN CENTY ETF TR | [AVSD](https://holderbook.com/stocks/AVSD/) | $15.6M | 217,469 | 1.3% | 14 |
| APPLE INC | [AAPL](https://holderbook.com/stocks/AAPL/) | $15.5M | 60,737 | 1.3% | 28 |
| COSTCO WHOLESALE CORPORATION | [COST](https://holderbook.com/stocks/COST/) | $15.0M | 16,174 | 1.2% | 28 |
| AMERICAN CENTY ETF TR | [AVUV](https://holderbook.com/stocks/AVUV/) | $14.5M | 146,054 | 1.2% | 13 |
| DIMENSIONAL ETF TRUST | [DFSU](https://holderbook.com/stocks/DFSU/) | $13.9M | 326,933 | 1.1% | 12 |
| DIMENSIONAL ETF TRUST | [DFSI](https://holderbook.com/stocks/DFSI/) | $10.5M | 257,374 | 0.9% | 12 |
| DIMENSIONAL ETF TRUST | [DFAX](https://holderbook.com/stocks/DFAX/) | $9.4M | 299,035 | 0.8% | 17 |
| DIMENSIONAL ETF TRUST | [DFAR](https://holderbook.com/stocks/DFAR/) | $9.3M | 391,044 | 0.8% | 14 |
| AMERICAN CENTY ETF TR | [AVSE](https://holderbook.com/stocks/AVSE/) | $8.7M | 137,460 | 0.7% | 14 |
| CISCO SYS INC | [CSCO](https://holderbook.com/stocks/CSCO/) | $7.4M | 107,615 | 0.6% | 28 |
| DIMENSIONAL ETF TRUST | [DFAC](https://holderbook.com/stocks/DFAC/) | $6.9M | 179,208 | 0.6% | 18 |
| DIMENSIONAL ETF TRUST | [DFSE](https://holderbook.com/stocks/DFSE/) | $6.8M | 165,745 | 0.6% | 12 |
| VANGUARD INDEX FDS | [VNQ](https://holderbook.com/stocks/VNQ/) | $6.8M | 74,034 | 0.6% | 28 |
| AMERICAN CENTY ETF TR | [AVSU](https://holderbook.com/stocks/AVSU/) | $6.6M | 89,985 | 0.5% | 14 |
| DIMENSIONAL ETF TRUST | [DFAE](https://holderbook.com/stocks/DFAE/) | $6.2M | 195,526 | 0.5% | 18 |
| VANGUARD INSTL INDEX FD | [VBIL](https://holderbook.com/stocks/VBIL/) | $5.2M | 68,843 | 0.4% | 3 |
| MANAGER DIRECTED PORTFOLIOS | [VGSR](https://holderbook.com/stocks/VGSR/) | $5.1M | 474,258 | 0.4% | 8 |
| ISHARES TR | [ESML](https://holderbook.com/stocks/ESML/) | $4.9M | 109,292 | 0.4% | 24 |
| DIMENSIONAL ETF TRUST | [DISV](https://holderbook.com/stocks/DISV/) | $4.4M | 123,895 | 0.4% | 13 |
| VANGUARD INDEX FDS | [VOO](https://holderbook.com/stocks/VOO/) | $3.1M | 5,128 | 0.3% | 10 |
| ALPHABET INC | [GOOG](https://holderbook.com/stocks/GOOG/) | $3.1M | 12,790 | 0.3% | 28 |
| ALPHABET INC | [GOOGL](https://holderbook.com/stocks/GOOGL/) | $3.0M | 12,412 | 0.2% | 28 |
| DIMENSIONAL ETF TRUST | [DFIC](https://holderbook.com/stocks/DFIC/) | $2.9M | 87,194 | 0.2% | 13 |
| ISHARES TR | [IJH](https://holderbook.com/stocks/IJH/) | $2.8M | 42,223 | 0.2% | 22 |
| BERKLEY W R CORP | [WRB](https://holderbook.com/stocks/WRB/) | $2.5M | 33,010 | 0.2% | 28 |
| INTUIT | [INTU](https://holderbook.com/stocks/INTU/) | $2.5M | 3,591 | 0.2% | 28 |
| MICROSOFT CORP | [MSFT](https://holderbook.com/stocks/MSFT/) | $2.5M | 4,730 | 0.2% | 28 |
| DIMENSIONAL ETF TRUST | [DFAS](https://holderbook.com/stocks/DFAS/) | $2.4M | 35,742 | 0.2% | 18 |
| ISHARES TR | [IVV](https://holderbook.com/stocks/IVV/) | $2.1M | 3,208 | 0.2% | 28 |
| THERMO FISHER SCIENTIFIC INC | [TMO](https://holderbook.com/stocks/TMO/) | $2.1M | 4,344 | 0.2% | 28 |
| SPDR SERIES TRUST | [SPMB](https://holderbook.com/stocks/SPMB/) | $2.1M | 92,874 | 0.2% | 22 |
| ISHARES TR | [IWF](https://holderbook.com/stocks/IWF/) | $2.0M | 4,342 | 0.2% | 28 |
| VANGUARD INDEX FDS | [VTI](https://holderbook.com/stocks/VTI/) | $2.0M | 5,997 | 0.2% | 11 |
| VANGUARD BD INDEX FDS | [BND](https://holderbook.com/stocks/BND/) | $1.9M | 25,915 | 0.2% | 16 |
| VERISIGN INC | [VRSN](https://holderbook.com/stocks/VRSN/) | $1.9M | 6,818 | 0.2% | 28 |
| VANGUARD INDEX FDS | [VO](https://holderbook.com/stocks/VO/) | $1.9M | 6,308 | 0.2% | 22 |
| VISA INC | [V](https://holderbook.com/stocks/V/) | $1.6M | 4,736 | 0.1% | 28 |
| VANGUARD INDEX FDS | [VUG](https://holderbook.com/stocks/VUG/) | $1.6M | 3,361 | 0.1% | 1 |
| VANGUARD WORLD FD | [VGT](https://holderbook.com/stocks/VGT/) | $1.6M | 2,150 | 0.1% | 2 |
| ISHARES TR | [SGOV](https://holderbook.com/stocks/SGOV/) | $1.6M | 15,860 | 0.1% | 10 |
| VANGUARD INDEX FDS | [VB](https://holderbook.com/stocks/VB/) | $1.6M | 6,261 | 0.1% | 26 |
| DIMENSIONAL ETF TRUST | [DFSV](https://holderbook.com/stocks/DFSV/) | $1.5M | 48,267 | 0.1% | 12 |
| DIMENSIONAL ETF TRUST | [DFIP](https://holderbook.com/stocks/DFIP/) | $1.5M | 35,724 | 0.1% | 14 |
| ORACLE CORP | [ORCL](https://holderbook.com/stocks/ORCL/) | $1.5M | 5,276 | 0.1% | 28 |
| VANGUARD SCOTTSDALE FDS | [VMBS](https://holderbook.com/stocks/VMBS/) | $1.3M | 27,440 | 0.1% | 16 |
| ISHARES TR | [ITOT](https://holderbook.com/stocks/ITOT/) | $1.3M | 8,782 | 0.1% | 22 |
| VANGUARD BD INDEX FDS | [VUSB](https://holderbook.com/stocks/VUSB/) | $1.2M | 24,781 | 0.1% | 17 |
| VANGUARD STAR FDS | [VXUS](https://holderbook.com/stocks/VXUS/) | $1.2M | 16,335 | 0.1% | 2 |
| ISHARES TR | [SUSB](https://holderbook.com/stocks/SUSB/) | $1.2M | 46,328 | 0.1% | 21 |
| VANGUARD MALVERN FDS | [VTIP](https://holderbook.com/stocks/VTIP/) | $1.2M | 22,958 | 0.1% | 28 |
| VANGUARD INTL EQUITY INDEX F | [VWO](https://holderbook.com/stocks/VWO/) | $1.1M | 20,381 | 0.1% | 21 |
| JPMORGAN CHASE & CO | [JPM](https://holderbook.com/stocks/JPM/) | $1.1M | 3,462 | 0.1% | 20 |
| DIMENSIONAL ETF TRUST | [DFLV](https://holderbook.com/stocks/DFLV/) | $1.1M | 33,128 | 0.1% | 11 |
| ISHARES TR | [TIP](https://holderbook.com/stocks/TIP/) | $1.1M | 9,758 | 0.1% | 28 |
| VANGUARD SCOTTSDALE FDS | [VONV](https://holderbook.com/stocks/VONV/) | $1.1M | 11,935 | 0.1% | 2 |
| ISHARES TR | [IJS](https://holderbook.com/stocks/IJS/) | $1.1M | 9,496 | 0.1% | 28 |
| ISHARES TR | [SUSA](https://holderbook.com/stocks/SUSA/) | $1.0M | 7,679 | 0.1% | 12 |
| INVESCO QQQ TR | [QQQ](https://holderbook.com/stocks/QQQ/) | $1.0M | 1,701 | 0.1% | 21 |
| VANGUARD WORLD FD | [VHT](https://holderbook.com/stocks/VHT/) | $970.8K | 3,739 | 0.1% | 2 |
| ISHARES TR | [IWD](https://holderbook.com/stocks/IWD/) | $943.6K | 4,635 | 0.1% | 28 |
| ISHARES TR | [DSI](https://holderbook.com/stocks/DSI/) | $927.1K | 7,361 | 0.1% | 26 |
| STATE STR SPDR S&P 500 ETF T | [SPY](https://holderbook.com/stocks/SPY/) | $915.2K | 1,373 | 0.1% | 28 |
| ISHARES TR | [SUSC](https://holderbook.com/stocks/SUSC/) | $806.6K | 34,237 | 0.1% | 12 |
| VANGUARD SPECIALIZED FUNDS | [VIG](https://holderbook.com/stocks/VIG/) | $796.0K | 3,688 | 0.1% | 28 |
| NVIDIA CORPORATION | [NVDA](https://holderbook.com/stocks/NVDA/) | $793.9K | 4,255 | 0.1% | 7 |
| JOHNSON & JOHNSON | [JNJ](https://holderbook.com/stocks/JNJ/) | $786.7K | 4,242 | 0.1% | 28 |
| AMERICAN CENTY ETF TR | [AVUS](https://holderbook.com/stocks/AVUS/) | $770.8K | 7,091 | 0.1% | 12 |
| AFLAC INC | [AFL](https://holderbook.com/stocks/AFL/) | $737.1K | 6,599 | 0.1% | 28 |
| INVESCO EXCHANGE TRADED FD T | [PRF](https://holderbook.com/stocks/PRF/) | $714.5K | 15,805 | 0.1% | 12 |
| DIMENSIONAL ETF TRUST | [DFSD](https://holderbook.com/stocks/DFSD/) | $700.3K | 14,532 | 0.1% | 1 |
| DIMENSIONAL ETF TRUST | [DFCA](https://holderbook.com/stocks/DFCA/) | $695.1K | 13,951 | 0.1% | 5 |
| PROCTER & GAMBLE CO | [PG](https://holderbook.com/stocks/PG/) | $664.1K | 4,322 | 0.1% | 28 |
| MASTERCARD INCORPORATED | [MA](https://holderbook.com/stocks/MA/) | $627.4K | 1,103 | 0.1% | 26 |
| SPDR GOLD TR | [GLD](https://holderbook.com/stocks/GLD/) | $618.9K | 1,741 | 0.1% | 4 |
| WALMART INC | [WMT](https://holderbook.com/stocks/WMT/) | $617.8K | 5,995 | 0.1% | 26 |
| ISHARES TR | [IJR](https://holderbook.com/stocks/IJR/) | $611.4K | 5,145 | 0.1% | 21 |
| VANGUARD WORLD FD | [VCEB](https://holderbook.com/stocks/VCEB/) | $595.9K | 9,282 | 0.0% | 17 |
| BERKSHIRE HATHAWAY INC DEL | [BRKB](https://holderbook.com/stocks/BRKB/) | $580.2K | 1,154 | 0.0% | 28 |
| PROSHARES TR | [CSM](https://holderbook.com/stocks/CSM/) | $565.9K | 7,389 | 0.0% | 1 |

## What the disclosed book did

Not the fund's return. This is the change in value of the positions disclosed on Form 13F, had they been left untouched, against SPY over the same quarter ends.

| Quarter | Book | Market | Difference | Priced |
|---|---|---|---|---|
| Q3 2025 | +4.5% | +7.8% | -3.3% | 100% |
| Q2 2025 | +4.1% | +10.5% | -6.3% | 100% |
| Q1 2025 | -0.1% | -4.6% | +4.5% | 100% |
| Q4 2024 | -2.2% | +2.1% | -4.3% | 100% |
| Q3 2024 | +5.2% | +5.4% | -0.3% | 100% |
| Q2 2024 | -0.5% | +4.0% | -4.6% | 100% |
| Q1 2024 | +2.5% | +10.0% | -7.6% | 100% |
| Q4 2023 | +7.1% | +11.2% | -4.1% | 100% |

## Quarter by quarter

| Quarter | Value | Positions |
|---|---|---|
| Q3 2025 | $1.2B | 180 |
| Q2 2025 | $1.1B | 167 |
| Q1 2025 | $1.0B | 155 |
| Q4 2024 | $980.9M | 153 |
| Q3 2024 | $951.3M | 155 |
| Q2 2024 | $879.2M | 149 |
| Q1 2024 | $855.3M | 153 |
| Q4 2023 | $797.8M | 145 |
| Q3 2023 | $671.6M | 131 |
| Q2 2023 | $705.9M | 145 |
| Q1 2023 | $648.3M | 132 |
| Q4 2022 | $602.3M | 131 |