13F HOLDINGS REPORT

Willow Creek Wealth Management Inc.

Quarter ended Q2 2025 · Filed July 17, 2025 · Accession 0001580642-25-004296

Total Value

$1.03B

Positions

155

Other Managers

Confidential Omitted

View on SEC.gov

Holdings (155)

#	Issuer	Ticker / CUSIP	Shares	Value	% of Filing
1	VANGUARD BD INDEX FDS	921937827	1,362,326	$106.6M	10.38%
2	DIMENSIONAL ETF TRUST	25434V609	2,029,767	$104.5M	10.18%
3	SPDR SER TR	78464A649	3,576,418	$91.3M	8.89%
4	DIMENSIONAL ETF TRUST	25434V724	1,095,961	$45.2M	4.40%
5	DIMENSIONAL ETF TRUST	25434V401	743,860	$45.0M	4.38%
6	VANGUARD MUN BD FDS	922907746	775,141	$38.5M	3.75%
7	ISHARES TR	464288158	362,727	$38.3M	3.73%
8	VANGUARD BD INDEX FDS	921937819	478,170	$36.6M	3.57%
9	SCHWAB STRATEGIC TR	808524870	1,300,202	$35.0M	3.40%
10	DIMENSIONAL ETF TRUST	25434V203	1,117,501	$34.9M	3.40%
11	SPDR SER TR	78464A474	1,069,784	$32.2M	3.14%
12	DIMENSIONAL ETF TRUST	25434V807	744,415	$29.3M	2.85%
13	AMERICAN CENTY ETF TR	025072349	381,714	$24.9M	2.42%
14	DIMENSIONAL ETF TRUST	25434V732	844,175	$22.3M	2.18%
15	SPDR SER TR	78464A375	652,237	$21.7M	2.11%
16	SPDR SER TR	78468R101	698,590	$20.4M	1.99%
17	AMERICAN CENTY ETF TR	025072802	281,364	$19.6M	1.91%
18	SPDR SER TR	78464A656	603,368	$15.9M	1.55%
19	COSTCO WHSL CORP NEW	22160K105	16,099	$15.2M	1.48%
20	SPDR SER TR	78464A672	528,896	$15.1M	1.47%
21	APPLE INC	AAPL	60,518	$13.4M	1.31%
22	DIMENSIONAL ETF TRUST	25434V104	345,260	$13.3M	1.29%
23	DIMENSIONAL ETF TRUST	25434V658	500,801	$13.2M	1.28%
24	DIMENSIONAL ETF TRUST	25434V716	343,187	$12.3M	1.20%
25	AMERICAN CENTY ETF TR	025072299	203,422	$12.2M	1.19%
26	AMERICAN CENTY ETF TR	025072877	119,486	$10.4M	1.01%
27	DIMENSIONAL ETF TRUST	25434V823	380,698	$9.0M	0.88%
28	DIMENSIONAL ETF TRUST	25434V690	240,155	$8.4M	0.82%
29	DIMENSIONAL ETF TRUST	25434V880	303,426	$7.9M	0.77%
30	CISCO SYS INC	CSCO	103,668	$6.4M	0.62%
31	VANGUARD INDEX FDS	922908553	69,244	$6.3M	0.61%
32	DIMENSIONAL ETF TRUST	25434V682	182,360	$6.1M	0.60%
33	AMERICAN CENTY ETF TR	025072315	116,496	$6.0M	0.58%
34	DIMENSIONAL ETF TRUST	25434V708	161,600	$5.3M	0.52%
35	DIMENSIONAL ETF TRUST	25434V302	180,691	$4.7M	0.46%
36	MANAGER DIRECTED PORTFOLIOS	56170L695	445,475	$4.5M	0.44%
37	AMERICAN CENTY ETF TR	025072281	68,092	$4.2M	0.41%
38	ISHARES TR	46435U663	105,986	$4.1M	0.40%
39	DIMENSIONAL ETF TRUST	25434V781	126,411	$3.7M	0.36%
40	ISHARES TR	464287507	43,817	$2.6M	0.25%
41	ISHARES TR	46436E718	24,925	$2.5M	0.24%
42	BERKLEY W R CORP	WRB-PH	32,892	$2.3M	0.23%
43	VANGUARD BD INDEX FDS	921937835	30,591	$2.2M	0.22%
44	DIMENSIONAL ETF TRUST	25434V799	80,756	$2.2M	0.22%
45	INTUIT	INTU	3,587	$2.2M	0.21%
46	THERMO FISHER SCIENTIFIC INC	TMO	4,356	$2.2M	0.21%
47	DIMENSIONAL ETF TRUST	25434V500	35,858	$2.1M	0.21%
48	SPDR SER TR	78464A383	92,285	$2.0M	0.20%
49	ALPHABET INC	GOOG	12,921	$2.0M	0.20%
50	VANGUARD INSTL INDEX FD	922040845	26,757	$2.0M	0.20%
51	ALPHABET INC	GOOG	12,432	$1.9M	0.19%
52	VERISIGN INC	VRSN	7,362	$1.9M	0.18%
53	ISHARES TR	464287200	3,095	$1.7M	0.17%
54	VISA INC	V	4,718	$1.7M	0.16%
55	ISHARES TR	464287614	4,406	$1.6M	0.15%
56	MICROSOFT CORP	MSFT	4,140	$1.6M	0.15%
57	DIMENSIONAL ETF TRUST	25434V856	35,956	$1.5M	0.15%
58	PLANET LABS PBC	PL-WT	400,000	$1.4M	0.13%
59	VANGUARD SCOTTSDALE FDS	92206C771	27,440	$1.3M	0.12%
60	VANGUARD BD INDEX FDS	92203C303	24,686	$1.2M	0.12%
61	ISHARES TR	46435G243	45,067	$1.1M	0.11%
62	ISHARES TR	464287176	9,923	$1.1M	0.11%
63	ISHARES TR	464287150	7,807	$952,532	0.09%
64	ISHARES TR	464287879	9,496	$925,714	0.09%
65	AMERICAN CENTY ETF TR	025072885	9,893	$913,915	0.09%
66	PROCTER AND GAMBLE CO	742718109	5,280	$899,818	0.09%
67	ISHARES TR	464288802	7,679	$882,087	0.09%
68	ISHARES TR	464287598	4,635	$872,122	0.08%
69	JPMORGAN CHASE & CO.	VYLD	3,404	$835,100	0.08%
70	ORACLE CORP	ORCL-PD	5,905	$825,578	0.08%
71	VANGUARD INDEX FDS	922908769	2,983	$819,962	0.08%
72	ISHARES TR	46435G193	34,863	$803,941	0.08%
73	VANGUARD SPECIALIZED FUNDS	921908844	4,094	$794,384	0.08%
74	ISHARES TR	464288570	7,353	$753,021	0.07%
75	VANGUARD INDEX FDS	922908363	1,451	$746,058	0.07%
76	AFLAC INC	AFL	6,614	$735,411	0.07%
77	VANGUARD MALVERN FDS	922020805	14,355	$716,335	0.07%
78	SPDR S&P 500 ETF TR	SPY	1,248	$698,558	0.07%
79	JOHNSON & JOHNSON	JNJ	3,987	$661,363	0.06%
80	VANGUARD INDEX FDS	922908751	2,931	$650,039	0.06%
81	FASTLY INC	FSLY	102,500	$648,825	0.06%
82	INVESCO EXCHANGE TRADED FD T	IVZ	15,805	$638,680	0.06%
83	ISHARES TR	464287804	5,805	$607,029	0.06%
84	MASTERCARD INCORPORATED	MA	1,086	$595,258	0.06%
85	BERKSHIRE HATHAWAY INC DEL	BRK-A	1,047	$557,611	0.05%
86	PROGRESSIVE CORP	743315103	1,887	$534,040	0.05%
87	VANGUARD WORLD FD	921910691	8,438	$530,919	0.05%
88	WALMART INC	WMT	5,995	$526,301	0.05%
89	ISHARES TR	464288414	4,917	$518,448	0.05%
90	VANGUARD INTL EQUITY INDEX F	922042858	11,410	$516,428	0.05%
91	VANGUARD INDEX FDS	922908629	1,891	$489,187	0.05%
92	HONEYWELL INTL INC	438516106	2,277	$482,155	0.05%
93	OREILLY AUTOMOTIVE INC	67103H107	326	$467,021	0.05%
94	MARSH & MCLENNAN COS INC	571748102	1,854	$452,432	0.04%
95	INVESCO QQQ TR	IVZ	928	$435,173	0.04%
96	DIMENSIONAL ETF TRUST	25434V815	15,284	$430,245	0.04%
97	WISDOMTREE TR	WT	5,329	$422,963	0.04%
98	ISHARES TR	46432F834	5,925	$413,624	0.04%
99	PEPSICO INC	PEP	2,664	$399,496	0.04%
100	META PLATFORMS INC	META	682	$393,078	0.04%
101	AMAZON COM INC	AMZN	2,063	$392,506	0.04%
102	TEXAS INSTRS INC	882508104	2,179	$391,566	0.04%
103	DIMENSIONAL ETF TRUST	25434V666	12,804	$391,418	0.04%
104	NVIDIA CORPORATION	NVDA	3,592	$389,301	0.04%
105	VANGUARD TAX-MANAGED FDS	921943858	7,613	$386,969	0.04%
106	INTERCONTINENTAL EXCHANGE IN	45866F104	2,231	$384,848	0.04%
107	ELI LILLY & CO	LLY	459	$379,093	0.04%
108	GE AEROSPACE	369604301	1,877	$375,682	0.04%
109	MERCK & CO INC	MRK	4,141	$371,696	0.04%
110	ISHARES TR	464287689	1,154	$366,557	0.04%
111	ISHARES TR	464287622	1,177	$361,033	0.04%
112	SUPER MICRO COMPUTER INC	SMCI	10,346	$354,247	0.03%
113	ISHARES TR	464287499	4,090	$347,936	0.03%
114	AMERICAN CENTY ETF TR	025072604	5,746	$345,785	0.03%
115	HOME DEPOT INC	HD	930	$340,836	0.03%
116	DANAHER CORPORATION	235851102	1,660	$340,300	0.03%
117	ISHARES TR	464287226	3,378	$334,152	0.03%
118	UNION PAC CORP	UNP	1,391	$328,731	0.03%
119	ACCENTURE PLC IRELAND	ACN	1,019	$317,969	0.03%
120	INTERNATIONAL BUSINESS MACHS	INTR	1,269	$315,550	0.03%
121	BANK AMERICA CORP	060505104	7,544	$314,811	0.03%
122	CINTAS CORP	CTAS	1,516	$311,583	0.03%
123	MCDONALDS CORP	MCD	973	$303,936	0.03%
124	DISNEY WALT CO	254687106	3,073	$303,387	0.03%
125	EXXON MOBIL CORP	XOM	2,549	$303,164	0.03%
126	SPDR GOLD TR	GLD	1,037	$298,801	0.03%
127	ADOBE INC	ADBE	758	$290,716	0.03%
128	DIMENSIONAL ETF TRUST	25434V591	5,726	$290,480	0.03%
129	AMERICAN CENTY ETF TR	025072356	6,743	$290,017	0.03%
130	VANGUARD INDEX FDS	922908637	1,092	$280,677	0.03%
131	CAPITAL GROUP GBL GROWTH EQT	14020X104	9,842	$278,824	0.03%
132	MORGAN STANLEY	MS-PQ	2,383	$278,025	0.03%
133	VANGUARD INDEX FDS	922908611	1,481	$275,895	0.03%
134	UNITEDHEALTH GROUP INC	UNH	510	$267,113	0.03%
135	VANGUARD SCOTTSDALE FDS	92206C409	3,307	$261,076	0.03%
136	ISHARES TR	464287549	2,862	$259,498	0.03%
137	STARBUCKS CORP	SBUX	2,645	$259,448	0.03%
138	DIMENSIONAL ETF TRUST	25434V633	5,170	$256,432	0.02%
139	NEXTERA ENERGY INC	NEE-PW	3,503	$248,360	0.02%
140	NORFOLK SOUTHN CORP	655844108	1,046	$247,745	0.02%
141	ISHARES INC	46434G863	6,838	$238,988	0.02%
142	PUBLIC STORAGE OPER CO	PSA-PS	789	$236,140	0.02%
143	SANOFI	SNYNF	4,171	$231,324	0.02%
144	ISHARES TR	464287457	2,731	$225,936	0.02%
145	ISHARES TR	464287465	2,722	$222,539	0.02%
146	HP INC	HPQ	7,924	$219,416	0.02%
147	NETFLIX INC	NFLX	233	$217,279	0.02%
148	ISHARES TR	464287572	2,219	$213,668	0.02%
149	ISHARES TR	464288273	3,283	$208,569	0.02%
150	MCKESSON CORP	MCK	308	$207,281	0.02%
151	SPDR SER TR	78468R796	4,458	$203,954	0.02%
152	INTEL CORP	INTC	8,966	$203,630	0.02%
153	TJX COS INC NEW	872540109	1,652	$201,214	0.02%
154	DENTSPLY SIRONA INC	XRAY	12,700	$189,738	0.02%
155	POLESTAR AUTOMOTIVE HLDG UK	731105201	15,320	$16,086	0.00%