13F HOLDINGS REPORT

Willow Creek Wealth Management Inc.

Quarter ended Q4 2024 · Filed February 14, 2025 · Accession 0001580642-25-001023

Total Value

$980.9M

Positions

153

Other Managers

Confidential Omitted

View on SEC.gov

Holdings (153)

#	Issuer	Ticker / CUSIP	Shares	Value	% of Filing
1	DIMENSIONAL ETF TRUST	25434V609	1,952,837	$108.7M	11.08%
2	VANGUARD BD INDEX FDS	921937827	1,320,076	$102.0M	10.40%
3	SPDR SER TR	78464A649	3,479,841	$87.0M	8.87%
4	DIMENSIONAL ETF TRUST	25434V401	713,498	$45.5M	4.64%
5	DIMENSIONAL ETF TRUST	25434V724	1,087,836	$44.5M	4.54%
6	VANGUARD MUN BD FDS	922907746	753,987	$37.8M	3.85%
7	ISHARES TR	464288158	354,349	$37.4M	3.81%
8	VANGUARD BD INDEX FDS	921937819	472,548	$35.3M	3.60%
9	SPDR SER TR	78464A474	1,033,517	$30.9M	3.15%
10	SCHWAB STRATEGIC TR	808524870	1,133,189	$29.3M	2.98%
11	DIMENSIONAL ETF TRUST	25434V203	997,902	$29.1M	2.97%
12	DIMENSIONAL ETF TRUST	25434V807	746,530	$26.5M	2.70%
13	AMERICAN CENTY ETF TR	025072349	340,264	$22.7M	2.32%
14	DIMENSIONAL ETF TRUST	25434V732	813,616	$21.3M	2.17%
15	SPDR SER TR	78464A375	631,336	$20.7M	2.11%
16	SPDR SER TR	78468R101	683,774	$19.8M	2.02%
17	AMERICAN CENTY ETF TR	025072802	245,921	$16.0M	1.63%
18	SPDR SER TR	78464A656	600,290	$15.2M	1.55%
19	APPLE INC	AAPL	60,395	$15.1M	1.54%
20	COSTCO WHSL CORP NEW	22160K105	16,099	$14.8M	1.50%
21	SPDR SER TR	78464A672	501,735	$14.0M	1.43%
22	DIMENSIONAL ETF TRUST	25434V104	326,065	$13.2M	1.35%
23	AMERICAN CENTY ETF TR	025072299	201,107	$11.2M	1.14%
24	DIMENSIONAL ETF TRUST	25434V823	443,858	$10.3M	1.05%
25	AMERICAN CENTY ETF TR	025072877	105,207	$10.2M	1.04%
26	DIMENSIONAL ETF TRUST	25434V716	255,168	$9.7M	0.99%
27	DIMENSIONAL ETF TRUST	25434V658	377,774	$9.6M	0.98%
28	DIMENSIONAL ETF TRUST	25434V880	301,669	$7.5M	0.76%
29	DIMENSIONAL ETF TRUST	25434V690	196,346	$6.4M	0.66%
30	VANGUARD INDEX FDS	922908553	71,467	$6.4M	0.65%
31	CISCO SYS INC	CSCO	103,285	$6.1M	0.62%
32	DIMENSIONAL ETF TRUST	25434V708	151,524	$5.2M	0.53%
33	AMERICAN CENTY ETF TR	025072315	103,643	$5.2M	0.53%
34	MANAGER DIRECTED PORTFOLIOS	56170L695	424,449	$4.3M	0.44%
35	DIMENSIONAL ETF TRUST	25434V302	168,515	$4.3M	0.44%
36	AMERICAN CENTY ETF TR	025072281	64,072	$4.2M	0.43%
37	DIMENSIONAL ETF TRUST	25434V682	124,850	$4.1M	0.42%
38	ISHARES TR	46435U663	94,748	$4.0M	0.41%
39	DIMENSIONAL ETF TRUST	25434V781	127,269	$3.4M	0.34%
40	ISHARES TR	464287507	44,449	$2.8M	0.28%
41	ISHARES TR	46436E718	24,871	$2.5M	0.25%
42	ALPHABET INC	GOOG	12,915	$2.5M	0.25%
43	ALPHABET INC	GOOG	12,442	$2.4M	0.24%
44	DIMENSIONAL ETF TRUST	25434V500	35,609	$2.3M	0.24%
45	THERMO FISHER SCIENTIFIC INC	TMO	4,353	$2.3M	0.23%
46	INTUIT	INTU	3,587	$2.3M	0.23%
47	SPDR SER TR	78464A383	92,331	$2.0M	0.20%
48	BERKLEY W R CORP	WRB-PH	32,892	$1.9M	0.20%
49	DIMENSIONAL ETF TRUST	25434V799	73,182	$1.9M	0.19%
50	VANGUARD BD INDEX FDS	921937835	26,256	$1.9M	0.19%
51	ISHARES TR	464287200	3,155	$1.9M	0.19%
52	ISHARES TR	464287614	4,476	$1.8M	0.18%
53	SPDR SER TR	78468R663	18,108	$1.7M	0.17%
54	MICROSOFT CORP	MSFT	3,855	$1.6M	0.17%
55	PLANET LABS PBC	PL-WT	400,000	$1.6M	0.16%
56	VERISIGN INC	VRSN	7,446	$1.5M	0.16%
57	VISA INC	V	4,708	$1.5M	0.15%
58	DIMENSIONAL ETF TRUST	25434V856	35,942	$1.5M	0.15%
59	VANGUARD BD INDEX FDS	92203C303	27,158	$1.3M	0.14%
60	VANGUARD SCOTTSDALE FDS	92206C771	27,440	$1.2M	0.13%
61	ISHARES TR	46435G243	45,591	$1.1M	0.11%
62	ISHARES TR	464287176	10,030	$1.1M	0.11%
63	ISHARES TR	464287879	9,496	$1.0M	0.11%
64	ISHARES TR	464287150	7,807	$1.0M	0.10%
65	ORACLE CORP	ORCL-PD	5,905	$984,009	0.10%
66	FASTLY INC	FSLY	102,500	$967,600	0.10%
67	ISHARES TR	464288802	7,679	$933,690	0.10%
68	ISHARES TR	464287598	4,635	$858,078	0.09%
69	ISHARES TR	464288570	7,353	$810,668	0.08%
70	VANGUARD SPECIALIZED FUNDS	921908844	4,053	$793,699	0.08%
71	JPMORGAN CHASE & CO.	VYLD	3,295	$789,986	0.08%
72	ISHARES TR	46435G193	33,984	$772,116	0.08%
73	AMERICAN CENTY ETF TR	025072885	7,634	$739,964	0.08%
74	SPDR S&P 500 ETF TR	SPY	1,248	$731,888	0.07%
75	PROCTER AND GAMBLE CO	742718109	4,273	$716,368	0.07%
76	ISHARES TR	464287804	6,027	$694,431	0.07%
77	AFLAC INC	AFL	6,614	$684,152	0.07%
78	INVESCO EXCHANGE TRADED FD T	IVZ	15,805	$637,574	0.06%
79	VANGUARD INDEX FDS	922908751	2,586	$621,364	0.06%
80	VANGUARD INDEX FDS	922908363	1,115	$600,900	0.06%
81	JOHNSON & JOHNSON	JNJ	4,042	$584,693	0.06%
82	MASTERCARD INCORPORATED	MA	1,085	$571,328	0.06%
83	VANGUARD MALVERN FDS	922020805	11,728	$567,870	0.06%
84	VANGUARD INDEX FDS	922908769	1,928	$559,014	0.06%
85	BERKSHIRE HATHAWAY INC DEL	BRK-A	1,223	$554,361	0.06%
86	PROGRESSIVE CORP	743315103	2,192	$525,225	0.05%
87	ISHARES TR	464288414	4,884	$520,390	0.05%
88	HONEYWELL INTL INC	438516106	2,277	$514,352	0.05%
89	VANGUARD INTL EQUITY INDEX F	922042858	11,107	$489,152	0.05%
90	VANGUARD WORLD FD	921910691	7,873	$488,047	0.05%
91	INVESCO QQQ TR	IVZ	928	$474,438	0.05%
92	DIMENSIONAL ETF TRUST	25434V815	14,629	$450,281	0.05%
93	VANGUARD INDEX FDS	922908629	1,646	$434,758	0.04%
94	WALMART INC	WMT	4,801	$433,770	0.04%
95	AMAZON COM INC	AMZN	1,976	$433,515	0.04%
96	WISDOMTREE TR	WT	5,416	$421,311	0.04%
97	MERCK & CO INC	MRK	4,170	$414,832	0.04%
98	TEXAS INSTRS INC	882508104	2,179	$408,584	0.04%
99	PEPSICO INC	PEP	2,667	$405,600	0.04%
100	META PLATFORMS INC	META	682	$399,318	0.04%
101	MARSH & MCLENNAN COS INC	571748102	1,849	$392,746	0.04%
102	ISHARES TR	464287622	1,219	$392,713	0.04%
103	ISHARES TR	46432F834	5,925	$391,880	0.04%
104	OREILLY AUTOMOTIVE INC	67103H107	326	$386,571	0.04%
105	ISHARES TR	464287499	4,306	$380,650	0.04%
106	DANAHER CORPORATION	235851102	1,656	$380,135	0.04%
107	DIMENSIONAL ETF TRUST	25434V666	12,620	$378,979	0.04%
108	AMERICAN CENTY ETF TR	025072356	8,975	$376,233	0.04%
109	DISNEY WALT CO	254687106	3,344	$372,447	0.04%
110	ISHARES TR	464287689	1,109	$370,683	0.04%
111	ELI LILLY & CO	LLY	470	$362,840	0.04%
112	HOME DEPOT INC	HD	929	$361,372	0.04%
113	ACCENTURE PLC IRELAND	ACN	1,017	$357,770	0.04%
114	VANGUARD TAX-MANAGED FDS	921943858	7,384	$353,103	0.04%
115	VANGUARD INDEX FDS	922908637	1,298	$350,071	0.04%
116	SPDR GOLD TR	GLD	1,399	$338,740	0.03%
117	AMERICAN CENTY ETF TR	025072604	5,746	$337,854	0.03%
118	GE AEROSPACE	369604301	2,002	$333,914	0.03%
119	ADOBE INC	ADBE	748	$332,621	0.03%
120	INTERCONTINENTAL EXCHANGE IN	45866F104	2,218	$330,504	0.03%
121	MORGAN STANLEY	MS-PQ	2,613	$328,506	0.03%
122	NVIDIA CORPORATION	NVDA	2,438	$327,399	0.03%
123	ISHARES TR	464287226	3,378	$327,328	0.03%
124	UNION PAC CORP	UNP	1,390	$317,154	0.03%
125	BANK AMERICA CORP	060505104	6,986	$307,035	0.03%
126	VANGUARD INDEX FDS	922908611	1,481	$293,505	0.03%
127	ISHARES TR	464287549	2,862	$292,182	0.03%
128	CAPITAL GROUP GBL GROWTH EQT	14020X104	9,842	$287,583	0.03%
129	INTERNATIONAL BUSINESS MACHS	INTR	1,265	$278,085	0.03%
130	CINTAS CORP	CTAS	1,516	$276,973	0.03%
131	EXXON MOBIL CORP	XOM	2,534	$272,593	0.03%
132	NEXTERA ENERGY INC	NEE-PW	3,609	$258,762	0.03%
133	HP INC	HPQ	7,926	$258,625	0.03%
134	UNITEDHEALTH GROUP INC	UNH	509	$257,483	0.03%
135	STARBUCKS CORP	SBUX	2,808	$256,230	0.03%
136	BROADCOM INC	AVGO	1,105	$256,183	0.03%
137	DIMENSIONAL ETF TRUST	25434V633	4,984	$249,449	0.03%
138	NORFOLK SOUTHN CORP	655844108	1,043	$244,792	0.02%
139	TESLA INC	TSLA	600	$242,304	0.02%
140	DENTSPLY SIRONA INC	XRAY	12,700	$241,046	0.02%
141	PUBLIC STORAGE OPER CO	PSA-PS	789	$236,258	0.02%
142	EATON CORP PLC	ETN	711	$235,960	0.02%
143	TARGET CORP	TGT	1,742	$235,484	0.02%
144	ISHARES INC	46434G863	6,838	$228,321	0.02%
145	ISHARES TR	464287457	2,731	$223,887	0.02%
146	ISHARES TR	464287572	2,219	$223,609	0.02%
147	MCDONALDS CORP	MCD	769	$222,925	0.02%
148	SPDR SER TR	78468R796	4,573	$220,190	0.02%
149	AGILENT TECHNOLOGIES INC	A	1,620	$217,631	0.02%
150	NETFLIX INC	NFLX	232	$206,786	0.02%
151	SANOFI	SNYNF	4,171	$201,167	0.02%
152	ISHARES TR	464287465	2,656	$200,885	0.02%
153	POLESTAR AUTOMOTIVE HLDG UK	731105201	15,320	$16,086	0.00%