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Willow Creek Wealth Management Inc.

CIK 1632407 · latest 13F filed 12 November 2025 · Read the filing on EDGAR

Willow Creek Wealth Management Inc. reported 180 US-listed holdings worth $1.21 billion in its 13F for the quarter ended 30 September 2025, filed 12 November 2025. Its largest: Dimensional ETF Trust (10.3%), Vanguard BD Index FDS (9.8%) and SPDR Ser Trust (8.4%). Against the quarter before, it opened 16 positions, added to 77, trimmed 41 and sold out of 3.

Its latest 13F is for the quarter ended 30 September 2025; it has not filed one for a later quarter.

Reported holdings$1.21B+9.2% on Q2 2025
Positions180+13 on Q2 2025
The largest ten54.4%of its reported holdings
Latest 13FQ3 2025filed 12 November 2025
Where the money is
Added toTrimmed
DFAT10.3%BSV9.8%SPAB8.4%DFUS4.9%DFUV4.0%DFAI4.0%SUB3.7%SCHP3.4%BIV3.1%VTEB2.8%DFIV2.8%SPSB2.8%AVLV2.6%166 more34.9%

The 14 largest of its 180 positions, each sized by its share of the reported holdings, coloured by the change in shares against Q2 2025.

Reported holdings, quarter by quarter
Q1 2024: $855.3 million in 153 positions$855MQ1 24Q2 2024: $879.2 million in 149 positions$879MQ2 24Q3 2024: $951.3 million in 155 positions$951MQ3 24Q4 2024: $980.9 million in 153 positions$981MQ4 24Q1 2025: $1.03 billion in 155 positions$1.03BQ1 25Q2 2025: $1.11 billion in 167 positions$1.11BQ2 25Q3 2025: $1.21 billion in 180 positions$1.21BQ3 25

What the fund reported holding at each quarter's end; hover a bar for the number of positions

What it did on the quarter

Opened 16Added 77Held 46Trimmed 41Sold out 3
Opened: 16Added: 77Held: 46Trimmed: 41Sold out: 3

Its positions against its 13F for the quarter to 30 June 2025; a change under 0.1% of a position counts as held

Opened 16

  1. Vanguard Growth ETF VUG$1.6 million
  2. Dimensional ETF Trust DFSD$700,301
  3. ProShares Trust CSM$565,850
  4. iShares Trust IHI$505,120
  5. Tesla, Inc. TSLA$400,248
  6. Vanguard Whitehall FDS VYM$383,916
  7. Vanguard World FD MGC$302,422
  8. Vanguard Value ETF VTV$281,413

and 8 more in the table below

Added to 77

  1. Vanguard BD Index FDS BSV+89,801 shares · +6%
  2. SPDR Ser Trust SPAB+239,810 shares · +6%
  3. iShares Trust SUB+40,670 shares · +11%
  4. Dimensional ETF Trust DFAI+114,276 shares · +9%
  5. Dimensional ETF Trust DFAT+53,882 shares · +3%
  6. Schwab Strategic Trust SCHP+109,181 shares · +8%
  7. Vanguard Instl Index FD VBIL+35,317 shares · +105%
  8. Dimensional ETF Trust DFGR+78,125 shares · +14%

and 69 more in the table below

Trimmed 41

  1. iShares Trust SGOV-2,789 shares · -15%
  2. Dimensional ETF Trust DFIV-5,580 shares · -1%
  3. Dimensional ETF Trust DFUV-4,539 shares · -0%
  4. Vanguard Intermediate-Term Corp. VCIT-1,632 shares · -30%
  5. American Centy ETF Trust AVSU-1,806 shares · -2%
  6. Dimensional ETF Trust DFAU-2,326 shares · -1%
  7. Verisign Inc. VRSN-369 shares · -5%
  8. Meta Platforms, Inc. META-136 shares · -18%

and 33 more in the table below

Sold out of 3

  1. Planet Labs PBC PL$2.4 million last quarter
  2. Fastly Inc. A FSLY$723,466 last quarter
  3. Sanofi SNY$202,999 last quarter

What it holds

CompanySharesValueOf its bookChange in shares
Dimensional ETF Trust DFAT2,153,099$125.3 million10.32%+53,882
Vanguard BD Index FDS BSV1,503,962$118.7 million9.77%+89,801
SPDR Ser Trust SPAB3,934,831$101.7 million8.38%+239,810
Dimensional ETF Trust DFUS819,697$59.4 million4.89%+23,048
Dimensional ETF Trust DFUV1,080,534$48.3 million3.98%-4,539
Dimensional ETF Trust DFAI1,320,407$48.0 million3.95%+114,276
iShares Trust SUB421,947$45.1 million3.71%+40,670
Schwab Strategic Trust SCHP1,548,759$41.7 million3.44%+109,181
Vanguard Intermed Term Bond ETF BIV489,501$38.2 million3.15%+10,347
Vanguard Mun BD FDS VTEB679,977$34.0 million2.80%+4,713
Dimensional ETF Trust DFIV732,358$33.8 million2.78%-5,580
SPDR Ser Trust SPSB1,107,756$33.6 million2.76%+37,207
American Centy ETF Trust AVLV444,586$32.1 million2.65%+26,476
Dimensional ETF Trust DFEM962,189$30.9 million2.54%+51,134
American Century ETF Trust AVDV299,193$26.6 million2.19%+3,958
SPDR Ser Trust SPIB699,809$23.7 million1.95%+23,595
SPDR Ser Trust SPTS745,398$21.9 million1.80%+19,547
Dimensional ETF Trust DFGR638,861$17.4 million1.44%+78,125
SPDR Ser Trust SPTI593,737$17.2 million1.41%+16,264
Dimensional ETF Trust DFAU365,649$16.7 million1.38%-2,326
SPDR Ser Trust SPIP620,526$16.3 million1.34%+11,003
American Centy ETF Trust AVSD217,469$15.6 million1.28%+981
Apple Inc. AAPL60,737$15.5 million1.27%+29
Costco Wholesale Corp. COST16,174$15.0 million1.23%+75
American Centy ETF Trust AVUV146,054$14.5 million1.20%+1,002
Dimensional ETF Trust DFSU326,933$13.9 million1.14%+8,152
Dimensional ETF Trust DFSI257,374$10.5 million0.87%+3,230
Dimensional ETF Trust DFAX299,035$9.4 million0.77%+541
Dimensional ETF Trust DFAR391,044$9.3 million0.77%+4,934
American Centy ETF Trust AVSE137,460$8.7 million0.72%+724
Cisco Systems, Inc. CSCO107,615$7.4 million0.61%+62
Dimensional ETF Trust DFAC179,208$6.9 million0.57%-320
Dimensional ETF Trust DFSE165,745$6.8 million0.56%+2,380
Vanguard Real Estate ETF VNQ74,034$6.8 million0.56%+2,240
American Centy ETF Trust AVSU89,985$6.6 million0.55%-1,806
Dimensional ETF Trust DFAE195,526$6.2 million0.51%+5,595
Vanguard Instl Index FD VBIL68,843$5.2 million0.43%+35,317
Vert Global Sustainable Real Estate ETF VGSR474,258$5.1 million0.42%+23,993
iShares ESG Aware MSCI USA Smal ESML109,292$4.9 million0.41%-197
Dimensional ETF Trust DISV123,895$4.4 million0.36%-582
Vanguard S&P 500 VOO5,128$3.1 million0.26%+2,437
Alphabet Inc. GOOG12,790$3.1 million0.26%-19
Alphabet Inc. GOOGL12,412$3.0 million0.25%+2
Dimensional ETF Trust DFIC87,194$2.9 million0.24%+699
iShares Core S&P Mid-Cap ETF IJH42,223$2.8 million0.23%+11
W. R. Berkley Corp. WRB33,010$2.5 million0.21%no change
Intuit Inc. INTU3,591$2.5 million0.20%no change
Microsoft Corp. MSFT4,730$2.5 million0.20%+478
Dimensional ETF Trust DFAS35,742$2.4 million0.20%+14
iShares Core S&P 500 ETF IVV3,208$2.1 million0.18%+158
Thermo Fisher Scientific Inc. TMO4,344$2.1 million0.17%-11
SPDR Ser Trust SPMB92,874$2.1 million0.17%+315
iShares Trust IWF4,342$2.0 million0.17%-50
VG Totl STK Vprs VTI5,997$2.0 million0.16%+1,983
Vanguard Total Bond Market ETF BND25,915$1.9 million0.16%-570
Verisign Inc. VRSN6,818$1.9 million0.16%-369
Vanguard Mid Cap Index ETF VO6,308$1.9 million0.15%+3,580
Visa Inc. V4,736$1.6 million0.13%-31
Vanguard Growth ETF VUG3,361$1.6 million0.13%new
Vanguard World FD VGT2,150$1.6 million0.13%+1,673
iShares Trust SGOV15,860$1.6 million0.13%-2,789
Vanguard Small Cap ETF VB6,261$1.6 million0.13%+2,112
Dimensional ETF Trust DFSV48,267$1.5 million0.13%+6,985
Dimensional ETF Trust DFIP35,724$1.5 million0.12%+445
Oracle Corp. ORCL5,276$1.5 million0.12%no change
Vanguard Scottsdale FDS VMBS27,440$1.3 million0.11%no change
iShares Trust ITOT8,782$1.3 million0.11%+975
Vanguard BD Index FDS VUSB24,781$1.2 million0.10%+457
Vanguard Star FDS VXUS16,335$1.2 million0.10%+8,557
iShares Trust SUSB46,328$1.2 million0.10%+1,891
Vanguard Shrt-Term Infl-Prot Se VTIP22,958$1.2 million0.10%+4,498
Vanguard Ftse Emerging Markets VWO20,381$1.1 million0.09%+7,232
JPMorgan Chase & Co. JPM3,462$1.1 million0.09%-13
Dimensional ETF Trust DFLV33,128$1.1 million0.09%+174
iShares Barclays Tips Bond TIP9,758$1.1 million0.09%-59
Vanguard Scottsdale FDS VONV11,935$1.1 million0.09%+7,552
iShares Trust IJS9,496$1.1 million0.09%no change
iShares Trust SUSA7,679$1.0 million0.09%no change
Invesco QQQ Trust QQQ1,701$1.0 million0.08%+522
Vanguard World FD VHT3,739$970,7970.08%+2,185
iShares Russell 1000 Value Inde IWD4,635$943,6400.08%no change
iShares Trust DSI7,361$927,1180.08%no change
SPDR S&P 500 SPY1,373$915,1880.08%no change
iShares Trust SUSC34,237$806,6240.07%no change
Vanguard Specialized Funds VIG3,688$796,0430.07%-17
NVIDIA Corp. NVDA4,255$793,9310.07%+531
Johnson & Johnson JNJ4,242$786,7290.06%+207
American Centy ETF Trust AVUS7,091$770,7920.06%-38
Aflac Inc. AFL6,599$737,1080.06%no change
Invesco Exchange Traded FD T PRF15,805$714,5440.06%no change
Dimensional ETF Trust DFSD14,532$700,3010.06%new
Dimensional ETF Trust DFCA13,951$695,1090.06%+101
Procter & Gamble Co. PG4,322$664,0750.05%+453
Mastercard Inc. MA1,103$627,3970.05%-4
SPDR Gold Trust GLD1,741$618,8730.05%+491
Walmart Inc. WMT5,995$617,8450.05%-78
iShares Core S&P Small-Cap ETF IJR5,145$611,3800.05%no change
Vanguard World FD VCEB9,282$595,9040.05%+555
Berkshire Hathaway Inc. Class B BRKB1,154$580,1620.05%+148
ProShares Trust CSM7,389$565,8500.05%new
General Electric Co. GE1,877$564,6390.05%no change
iShares Trust MUB4,985$530,8530.04%+31
Dimensional ETF Trust DUSB10,441$530,1940.04%+1,088
Amazon.com Inc. AMZN2,390$524,7720.04%+66
Vanguard Ftse Developed Markets VEA8,615$516,2110.04%+1,302
Walt Disney Co. DIS4,485$513,6280.04%+345
Vanguard Short-Term Corp. BD Idx VCSH6,379$509,9350.04%+2,470
iShares Trust IHI8,407$505,1200.04%new
Honeywell International Inc. HON2,327$489,8340.04%+50
iShares Trust IXUS5,925$489,2870.04%no change
Progressive Corp. PGR1,887$465,9950.04%no change
American Century ETF Trust AVEM6,189$464,8570.04%+425
Wisdomtree Trust DLN5,329$463,7830.04%no change
O'Reilly Automotive, Inc. ORLY4,215$454,4190.04%-675
Meta Platforms, Inc. META605$444,3000.04%-136
iShares Trust IWV1,144$433,5070.04%-10
iShares Trust IWB1,135$414,8200.03%-42
Tesla, Inc. TSLA900$400,2480.03%new
Texas Instruments Inc. TXN2,146$394,2850.03%-30
Vanguard Whitehall FDS VYM2,723$383,9160.03%new
Broadcom Inc. AVGO1,163$383,6850.03%-76
Home Depot, Inc. HD942$381,6890.03%-3
International Business Machines Corp. IBM1,298$366,2440.03%+21
PepsiCo Inc. PEP2,572$361,2640.03%-88
iShares Trust IGM2,862$360,4690.03%no change
Intercontinental Exchange, Inc. ICE2,066$348,0800.03%-165
Bank of America Corp. BAC6,718$346,5820.03%no change
Eli Lilly & Co. LLY453$345,6390.03%-14
Marsh & McLennan Companies, Inc. MRSH1,708$344,2130.03%-146
Morgan Stanley MS2,157$342,8770.03%-226
Merck & Co., Inc. MRK4,079$342,3500.03%+198
Vanguard Small Cap Value ETF VBR1,628$339,7800.03%+116
McDonald's Corp. MCD1,116$339,1410.03%+97
iShares Trust AGG3,378$338,6450.03%no change
Vanguard Index FDS VOT1,148$337,2870.03%-138
Capital Group GBL Growth Eqt CGGO9,842$336,3010.03%no change
Vanguard Large Cap ETF VV1,092$336,1830.03%no change
Danaher Corp. DHR1,652$327,5260.03%+1
American Centy ETF Trust AVRE7,345$326,7060.03%+455
Vanguard Intermediate-Term Corp. VCIT3,766$316,8150.03%-1,632
Intel Corp. INTC9,398$315,3220.03%+446
ExxonMobil Holdings Corp. XOM2,785$314,0200.03%+145
Norfolk Southern Corp. NSC1,043$313,3280.03%no change
Cintas Corp. CTAS1,516$311,1740.03%no change
iShares Trust IWR3,187$307,7050.03%-366
GE Vernova Inc. GEV500$307,4500.03%no change
Netflix Inc. NFLX256$306,9240.03%+20
Super Micro Computer, Inc. SMCI6,346$304,2270.03%-500
Vanguard World FD MGC1,238$302,4220.02%new
iShares Inc. ESGE6,838$296,9060.02%no change
NextEra Energy Inc. NEE3,932$296,8610.02%+393
Vanguard Value ETF VTV1,509$281,4130.02%new
Eaton Corp. plc ETN748$279,9390.02%no change
HP Inc. HPQ9,900$269,5770.02%new
Union Pacific Corp. UNP1,130$267,1010.02%-274
Adobe Inc. ADBE757$267,0320.02%-1
iShares Trust IOO2,219$266,3020.02%no change
iShares Trust EFA2,722$254,2330.02%no change
Celestica Inc. CLS1,000$246,3800.02%new
Accenture plc ACN991$244,3810.02%-25
iShares Trust SCZ3,173$243,4330.02%no change
TJX Companies Inc. TJX1,678$242,5380.02%no change
McKesson Corp. MCK309$238,7150.02%no change
Capital Group Intl Focus Eqt CGXU7,819$231,5990.02%no change
Public Storage PSA789$227,9030.02%no change
iShares Trust SHY2,731$226,5640.02%no change
CSX Corp. CSX6,140$218,0550.02%no change
Palo Alto Networks Inc. PANW1,067$217,2630.02%no change
State Street ETF SPYX3,953$216,8220.02%-464
Deere & Co. DE472$216,2570.02%new
Starbucks Corp. SBUX2,542$215,0530.02%-84
Vanguard Charlotte FDS BNDX4,334$214,4080.02%+99
Perimeter Solutions Inc PRM9,573$214,3390.02%new
Cigna Group CI723$208,4050.02%no change
3M Co. MMM1,330$206,3890.02%new
Invesco Exch Traded FD Trust II QQQM827$204,3680.02%new
Invesco Exchange Traded FD T ERTH4,241$202,0950.02%new
Vanguard FTSE All-World ex-US ETF VEU2,831$202,0480.02%new
Dentsply Sirona Inc. XRAY12,700$161,1630.01%no change
Polestar Automotive Hldg UK PSNY15,320$14,4020.00%no change
Every US-listed position in the fund's 13F for the quarter ended 30 September 2025, by the value it reported.
Read moreChange is shares against its 13F for the quarter before; the 3 it sold out of are in the box above.