13F HOLDINGS REPORT

Willow Creek Wealth Management Inc.

Quarter ended Q2 2025 · Filed July 17, 2025 · Accession 0001580642-25-004297

Total Value

$1.11B

Positions

167

Other Managers

Confidential Omitted

View on SEC.gov

Holdings (167)

#	Issuer	Ticker / CUSIP	Shares	Value	% of Filing
1	DIMENSIONAL ETF TRUST	25434V609	2,099,217	$113.3M	10.19%
2	VANGUARD BD INDEX FDS	921937827	1,414,161	$111.3M	10.01%
3	SPDR SER TR	78464A649	3,695,021	$94.6M	8.51%
4	DIMENSIONAL ETF TRUST	25434V401	796,649	$53.4M	4.80%
5	DIMENSIONAL ETF TRUST	25434V724	1,085,073	$45.9M	4.13%
6	DIMENSIONAL ETF TRUST	25434V203	1,206,131	$41.7M	3.75%
7	ISHARES TR	464288158	381,277	$40.5M	3.65%
8	SCHWAB STRATEGIC TR	808524870	1,439,578	$38.4M	3.45%
9	VANGUARD BD INDEX FDS	921937819	479,154	$37.1M	3.33%
10	VANGUARD MUN BD FDS	922907746	675,264	$33.1M	2.98%
11	SPDR SER TR	78464A474	1,070,549	$32.3M	2.91%
12	DIMENSIONAL ETF TRUST	25434V807	737,938	$31.6M	2.84%
13	AMERICAN CENTY ETF TR	025072349	418,110	$28.5M	2.57%
14	DIMENSIONAL ETF TRUST	25434V732	911,055	$27.0M	2.43%
15	AMERICAN CENTY ETF TR	025072802	295,235	$23.4M	2.11%
16	SPDR SER TR	78464A375	676,214	$22.7M	2.04%
17	SPDR SER TR	78468R101	725,851	$21.3M	1.91%
18	SPDR SER TR	78464A672	577,473	$16.6M	1.49%
19	COSTCO WHSL CORP NEW	22160K105	16,099	$15.9M	1.43%
20	SPDR SER TR	78464A656	609,523	$15.9M	1.43%
21	DIMENSIONAL ETF TRUST	25434V104	367,975	$15.6M	1.40%
22	DIMENSIONAL ETF TRUST	25434V658	560,736	$15.0M	1.35%
23	AMERICAN CENTY ETF TR	025072299	216,488	$14.6M	1.32%
24	AMERICAN CENTY ETF TR	025072877	145,052	$13.2M	1.19%
25	DIMENSIONAL ETF TRUST	25434V716	318,781	$12.5M	1.13%
26	APPLE INC	AAPL	60,708	$12.5M	1.12%
27	DIMENSIONAL ETF TRUST	25434V690	254,144	$10.0M	0.90%
28	DIMENSIONAL ETF TRUST	25434V823	386,110	$9.1M	0.81%
29	DIMENSIONAL ETF TRUST	25434V880	298,494	$8.8M	0.79%
30	AMERICAN CENTY ETF TR	025072315	136,736	$8.0M	0.72%
31	CISCO SYS INC	CSCO	107,553	$7.5M	0.67%
32	DIMENSIONAL ETF TRUST	25434V708	179,528	$6.4M	0.58%
33	VANGUARD INDEX FDS	922908553	71,794	$6.4M	0.58%
34	AMERICAN CENTY ETF TR	025072281	91,791	$6.3M	0.57%
35	DIMENSIONAL ETF TRUST	25434V682	163,365	$6.2M	0.56%
36	DIMENSIONAL ETF TRUST	25434V302	189,931	$5.5M	0.49%
37	MANAGER DIRECTED PORTFOLIOS	56170L695	450,265	$4.7M	0.42%
38	ISHARES TR	46435U663	109,489	$4.5M	0.41%
39	DIMENSIONAL ETF TRUST	25434V781	124,477	$4.1M	0.37%
40	INTUIT	INTU	3,591	$2.8M	0.25%
41	DIMENSIONAL ETF TRUST	25434V799	86,495	$2.7M	0.24%
42	ISHARES TR	464287507	42,212	$2.6M	0.24%
43	VANGUARD INSTL INDEX FD	922040845	33,526	$2.5M	0.23%
44	PLANET LABS PBC	PL-WT	400,000	$2.4M	0.22%
45	BERKLEY W R CORP	WRB-PH	33,010	$2.4M	0.22%
46	DIMENSIONAL ETF TRUST	25434V500	35,728	$2.3M	0.20%
47	ALPHABET INC	GOOG	12,809	$2.3M	0.20%
48	ALPHABET INC	GOOG	12,410	$2.2M	0.20%
49	MICROSOFT CORP	MSFT	4,252	$2.1M	0.19%
50	VERISIGN INC	VRSN	7,187	$2.1M	0.19%
51	SPDR SER TR	78464A383	92,559	$2.0M	0.18%
52	VANGUARD BD INDEX FDS	921937835	26,485	$2.0M	0.18%
53	ISHARES TR	464287200	3,050	$1.9M	0.17%
54	ISHARES TR	46436E718	18,649	$1.9M	0.17%
55	ISHARES TR	464287614	4,392	$1.9M	0.17%
56	THERMO FISHER SCIENTIFIC INC	TMO	4,355	$1.8M	0.16%
57	VISA INC	V	4,767	$1.7M	0.15%
58	VANGUARD INDEX FDS	922908363	2,691	$1.5M	0.14%
59	DIMENSIONAL ETF TRUST	25434V856	35,279	$1.5M	0.13%
60	VANGUARD SCOTTSDALE FDS	92206C771	27,440	$1.3M	0.11%
61	VANGUARD INDEX FDS	922908769	4,014	$1.2M	0.11%
62	DIMENSIONAL ETF TRUST	25434V815	41,282	$1.2M	0.11%
63	VANGUARD BD INDEX FDS	92203C303	24,324	$1.2M	0.11%
64	ORACLE CORP	ORCL-PD	5,276	$1.2M	0.10%
65	ISHARES TR	46435G243	44,437	$1.1M	0.10%
66	ISHARES TR	464287176	9,817	$1.1M	0.10%
67	ISHARES TR	464287150	7,807	$1.1M	0.09%
68	DIMENSIONAL ETF TRUST	25434V666	32,954	$1.0M	0.09%
69	JPMORGAN CHASE & CO.	VYLD	3,475	$1.0M	0.09%
70	VANGUARD INDEX FDS	922908751	4,149	$983,337	0.09%
71	ISHARES TR	464288802	7,679	$973,313	0.09%
72	ISHARES TR	464287879	9,496	$944,802	0.08%
73	VANGUARD MALVERN FDS	922020805	18,460	$928,024	0.08%
74	ISHARES TR	464287598	4,635	$900,256	0.08%
75	ISHARES TR	464288570	7,361	$855,054	0.08%
76	SPDR S&P 500 ETF TR	SPY	1,373	$848,793	0.08%
77	ISHARES TR	46435G193	34,237	$795,326	0.07%
78	VANGUARD INDEX FDS	922908629	2,728	$763,583	0.07%
79	VANGUARD SPECIALIZED FUNDS	921908844	3,705	$758,501	0.07%
80	FASTLY INC	FSLY	102,474	$723,466	0.07%
81	AMERICAN CENTY ETF TR	025072885	7,129	$718,746	0.06%
82	AFLAC INC	AFL	6,599	$695,931	0.06%
83	DIMENSIONAL ETF TRUST	25434V633	13,850	$682,528	0.06%
84	INVESCO EXCHANGE TRADED FD T	IVZ	15,805	$668,077	0.06%
85	INVESCO QQQ TR	IVZ	1,179	$650,842	0.06%
86	VANGUARD INTL EQUITY INDEX F	922042858	13,149	$650,358	0.06%
87	MASTERCARD INCORPORATED	MA	1,107	$622,068	0.06%
88	JOHNSON & JOHNSON	JNJ	4,035	$616,493	0.06%
89	PROCTER AND GAMBLE CO	742718109	3,869	$616,409	0.06%
90	WALMART INC	WMT	6,073	$593,818	0.05%
91	NVIDIA CORPORATION	NVDA	3,724	$588,355	0.05%
92	ISHARES TR	464287804	5,145	$562,297	0.05%
93	VANGUARD WORLD FD	921910691	8,727	$553,292	0.05%
94	META PLATFORMS INC	META	741	$546,925	0.05%
95	VANGUARD STAR FDS	921909768	7,778	$537,447	0.05%
96	HONEYWELL INTL INC	438516106	2,277	$530,268	0.05%
97	ISHARES TR	464288414	4,954	$517,594	0.05%
98	DISNEY WALT CO	254687106	4,140	$513,505	0.05%
99	AMAZON COM INC	AMZN	2,324	$509,862	0.05%
100	PROGRESSIVE CORP	743315103	1,887	$503,565	0.05%
101	BERKSHIRE HATHAWAY INC DEL	BRK-A	1,006	$488,685	0.04%
102	GE AEROSPACE	369604301	1,877	$483,121	0.04%
103	DIMENSIONAL ETF TRUST	25434V591	9,353	$474,665	0.04%
104	ISHARES TR	46432F834	5,925	$458,062	0.04%
105	TEXAS INSTRS INC	882508104	2,176	$451,781	0.04%
106	VANGUARD SCOTTSDALE FDS	92206C870	5,398	$447,654	0.04%
107	OREILLY AUTOMOTIVE INC	67103H107	4,890	$440,736	0.04%
108	WISDOMTREE TR	WT	5,329	$437,724	0.04%
109	VANGUARD TAX-MANAGED FDS	921943858	7,313	$416,914	0.04%
110	INTERCONTINENTAL EXCHANGE IN	45866F104	2,231	$409,322	0.04%
111	MARSH & MCLENNAN COS INC	571748102	1,854	$405,359	0.04%
112	ISHARES TR	464287689	1,154	$405,054	0.04%
113	ISHARES TR	464287622	1,177	$399,674	0.04%
114	AMERICAN CENTY ETF TR	025072604	5,764	$395,066	0.04%
115	VANGUARD WORLD FD	92204A504	1,554	$386,074	0.03%
116	SPDR GOLD TR	GLD	1,250	$381,038	0.03%
117	INTERNATIONAL BUSINESS MACHS	INTR	1,277	$376,434	0.03%
118	VANGUARD SCOTTSDALE FDS	92206C714	4,383	$373,513	0.03%
119	VANGUARD INDEX FDS	922908538	1,286	$365,843	0.03%
120	ELI LILLY & CO	LLY	467	$364,041	0.03%
121	PEPSICO INC	PEP	2,660	$351,275	0.03%
122	HOME DEPOT INC	HD	945	$346,475	0.03%
123	BROADCOM INC	AVGO	1,239	$341,530	0.03%
124	CINTAS CORP	CTAS	1,516	$337,871	0.03%
125	MORGAN STANLEY	MS-PQ	2,383	$335,669	0.03%
126	SUPER MICRO COMPUTER INC	SMCI	6,846	$335,522	0.03%
127	ISHARES TR	464287226	3,378	$335,098	0.03%
128	ISHARES TR	464287499	3,553	$326,769	0.03%
129	DANAHER CORPORATION	235851102	1,651	$326,139	0.03%
130	UNION PAC CORP	UNP	1,404	$323,091	0.03%
131	ISHARES TR	464287549	2,862	$321,517	0.03%
132	BANK AMERICA CORP	060505104	6,718	$317,896	0.03%
133	VANGUARD WORLD FD	92204A702	477	$316,516	0.03%
134	NETFLIX INC	NFLX	236	$316,035	0.03%
135	CAPITAL GROUP GBL GROWTH EQT	14020X104	9,842	$314,649	0.03%
136	VANGUARD INDEX FDS	922908637	1,092	$311,548	0.03%
137	VANGUARD SCOTTSDALE FDS	92206C409	3,909	$310,829	0.03%
138	MERCK & CO INC	MRK	3,881	$307,220	0.03%
139	AMERICAN CENTY ETF TR	025072356	6,890	$304,263	0.03%
140	ACCENTURE PLC IRELAND	ACN	1,016	$303,672	0.03%
141	MCDONALDS CORP	MCD	1,019	$297,721	0.03%
142	VANGUARD INDEX FDS	922908611	1,512	$294,855	0.03%
143	ADOBE INC	ADBE	758	$293,255	0.03%
144	EXXON MOBIL CORP	XOM	2,640	$284,602	0.03%
145	ISHARES INC	46434G863	6,838	$267,844	0.02%
146	EATON CORP PLC	ETN	748	$267,029	0.02%
147	NORFOLK SOUTHN CORP	655844108	1,043	$266,977	0.02%
148	GE VERNOVA INC	GEV	500	$264,575	0.02%
149	NEXTERA ENERGY INC	NEE-PW	3,539	$245,709	0.02%
150	ISHARES TR	464287465	2,722	$243,396	0.02%
151	STARBUCKS CORP	SBUX	2,626	$240,620	0.02%
152	ISHARES TR	464287572	2,219	$239,230	0.02%
153	THE CIGNA GROUP	125523100	723	$239,009	0.02%
154	PUBLIC STORAGE OPER CO	PSA-PS	789	$231,508	0.02%
155	ISHARES TR	464288273	3,173	$230,614	0.02%
156	MCKESSON CORP	MCK	309	$226,429	0.02%
157	ISHARES TR	464287457	2,731	$226,291	0.02%
158	SPDR SER TR	78468R796	4,417	$224,958	0.02%
159	PALO ALTO NETWORKS INC	PANW	1,067	$218,351	0.02%
160	CAPITAL GROUP INTL FOCUS EQT	14019W109	7,819	$212,129	0.02%
161	VANGUARD CHARLOTTE FDS	92203J407	4,235	$209,682	0.02%
162	TJX COS INC NEW	872540109	1,678	$207,216	0.02%
163	SANOFI	SNYNF	4,202	$202,999	0.02%
164	DENTSPLY SIRONA INC	XRAY	12,700	$201,676	0.02%
165	INTEL CORP	INTC	8,952	$200,537	0.02%
166	CSX CORP	CSX	6,140	$200,370	0.02%
167	POLESTAR AUTOMOTIVE HLDG UK	731105201	15,320	$16,392	0.00%