13F HOLDINGS REPORT

Willow Creek Wealth Management Inc.

Quarter ended Q2 2025 · Filed July 25, 2025 · Accession 0001580642-25-004469

Total Value

$855.3M

Positions

153

Other Managers

Confidential Omitted

View on SEC.gov

Holdings (153)

#	Issuer	Ticker / CUSIP	Shares	Value	% of Filing
1	DIMENSIONAL ETF TRUST	25434V609	1,775,099	$96.6M	11.30%
2	VANGUARD BD INDEX FDS	921937827	1,080,402	$82.8M	9.69%
3	SPDR SER TR	78464A649	3,166,561	$80.1M	9.36%
4	DIMENSIONAL ETF TRUST	25434V724	1,123,516	$46.0M	5.37%
5	DIMENSIONAL ETF TRUST	25434V401	623,865	$35.5M	4.16%
6	ISHARES TR	464288158	335,788	$35.2M	4.11%
7	VANGUARD MUN BD FDS	922907746	647,010	$32.7M	3.83%
8	VANGUARD BD INDEX FDS	921937819	397,320	$30.0M	3.50%
9	SPDR SER TR	78464A474	931,284	$27.7M	3.24%
10	DIMENSIONAL ETF TRUST	25434V807	754,181	$27.7M	3.24%
11	SCHWAB STRATEGIC TR	808524870	403,566	$21.1M	2.46%
12	SPDR SER TR	78468R101	648,513	$18.8M	2.19%
13	DIMENSIONAL ETF TRUST	25434V203	602,050	$18.2M	2.13%
14	SPDR SER TR	78464A375	551,916	$18.0M	2.11%
15	AMERICAN CENTY ETF TR	025072349	269,107	$17.3M	2.02%
16	SPDR SER TR	78464A656	564,063	$14.5M	1.69%
17	DIMENSIONAL ETF TRUST	25434V732	566,494	$14.4M	1.69%
18	SPDR SER TR	78464A672	483,813	$13.6M	1.59%
19	COSTCO WHSL CORP NEW	22160K105	16,996	$12.5M	1.46%
20	AMERICAN CENTY ETF TR	025072802	185,331	$12.2M	1.43%
21	DIMENSIONAL ETF TRUST	25434V104	318,997	$11.7M	1.36%
22	AMERICAN CENTY ETF TR	025072299	185,366	$10.6M	1.23%
23	APPLE INC	AAPL	61,238	$10.5M	1.23%
24	AMERICAN CENTY ETF TR	025072877	99,324	$9.3M	1.09%
25	DIMENSIONAL ETF TRUST	25434V823	410,333	$9.2M	1.07%
26	DIMENSIONAL ETF TRUST	25434V880	304,087	$7.7M	0.90%
27	SPDR SER TR	78468R663	73,472	$6.7M	0.79%
28	ISHARES TR	46436E718	66,681	$6.7M	0.79%
29	VANGUARD INDEX FDS	922908553	72,226	$6.2M	0.73%
30	DIMENSIONAL ETF TRUST	25434V658	205,168	$5.2M	0.61%
31	CISCO SYS INC	CSCO	103,235	$5.2M	0.60%
32	AMERICAN CENTY ETF TR	025072315	96,747	$4.7M	0.55%
33	DIMENSIONAL ETF TRUST	25434V708	147,815	$4.7M	0.55%
34	DIMENSIONAL ETF TRUST	25434V716	129,685	$4.5M	0.52%
35	DIMENSIONAL ETF TRUST	25434V302	165,399	$4.1M	0.48%
36	ISHARES TR	46435U663	92,707	$3.7M	0.44%
37	AMERICAN CENTY ETF TR	025072281	58,054	$3.6M	0.42%
38	DIMENSIONAL ETF TRUST	25434V781	127,486	$3.5M	0.41%
39	DIMENSIONAL ETF TRUST	25434V690	102,202	$3.4M	0.40%
40	MANAGER DIRECTED PORTFOLIOS	56170L695	341,926	$3.4M	0.39%
41	ISHARES TR	464287507	41,835	$2.5M	0.30%
42	THERMO FISHER SCIENTIFIC INC	TMO	4,363	$2.5M	0.30%
43	DIMENSIONAL ETF TRUST	25434V682	75,518	$2.4M	0.28%
44	INTUIT	INTU	3,635	$2.4M	0.28%
45	SPDR SER TR	78464A383	107,994	$2.3M	0.27%
46	DIMENSIONAL ETF TRUST	25434V500	36,166	$2.3M	0.26%
47	BERKLEY W R CORP	WRB-PH	21,928	$1.9M	0.23%
48	ISHARES TR	464287200	3,661	$1.9M	0.23%
49	ALPHABET INC	GOOG	12,566	$1.9M	0.22%
50	ALPHABET INC	GOOG	12,416	$1.9M	0.22%
51	DIMENSIONAL ETF TRUST	25434V799	67,048	$1.8M	0.21%
52	MICROSOFT CORP	MSFT	4,039	$1.7M	0.20%
53	ISHARES TR	464287614	4,668	$1.6M	0.18%
54	DIMENSIONAL ETF TRUST	25434V856	36,570	$1.5M	0.18%
55	VANGUARD BD INDEX FDS	921937835	19,858	$1.4M	0.17%
56	VERISIGN INC	VRSN	7,447	$1.4M	0.17%
57	VISA INC	V	4,788	$1.3M	0.16%
58	FASTLY INC	FSLY	102,500	$1.3M	0.16%
59	ISHARES TR	464287176	12,168	$1.3M	0.15%
60	VANGUARD BD INDEX FDS	92203C303	25,984	$1.3M	0.15%
61	ISHARES TR	46435G243	43,904	$1.1M	0.13%
62	ISHARES TR	464287879	9,585	$985,001	0.12%
63	VANGUARD SCOTTSDALE FDS	92206C771	20,084	$916,031	0.11%
64	ISHARES TR	464287150	7,838	$903,721	0.11%
65	ISHARES TR	464288802	7,959	$868,884	0.10%
66	ISHARES TR	464287598	4,708	$843,250	0.10%
67	PROCTER AND GAMBLE CO	742718109	5,044	$818,389	0.10%
68	ORACLE CORP	ORCL-PD	5,893	$740,220	0.09%
69	ISHARES TR	464288570	7,331	$739,038	0.09%
70	ISHARES TR	46435G193	30,739	$706,690	0.08%
71	VANGUARD SPECIALIZED FUNDS	921908844	3,853	$703,596	0.08%
72	PLANET LABS PBC	PL-WT	273,407	$697,188	0.08%
73	AMERICAN CENTY ETF TR	025072885	7,634	$683,243	0.08%
74	VANGUARD MALVERN FDS	922020805	14,099	$675,201	0.08%
75	SPDR S&P 500 ETF TR	SPY	1,278	$668,894	0.08%
76	INVESCO EXCHANGE TRADED FD T	IVZ	15,805	$608,018	0.07%
77	ISHARES TR	464287804	5,367	$593,161	0.07%
78	VANGUARD INDEX FDS	922908751	2,563	$585,876	0.07%
79	JOHNSON & JOHNSON	JNJ	3,598	$569,319	0.07%
80	AFLAC INC	AFL	6,584	$565,302	0.07%
81	MASTERCARD INCORPORATED	MA	1,116	$537,432	0.06%
82	ISHARES TR	464288414	4,822	$518,847	0.06%
83	PROGRESSIVE CORP	743315103	2,451	$506,916	0.06%
84	DIMENSIONAL ETF TRUST	25434V815	16,334	$491,653	0.06%
85	BERKSHIRE HATHAWAY INC DEL	BRK-A	1,145	$481,495	0.06%
86	VANGUARD WORLD FD	921910691	7,507	$471,064	0.06%
87	VANGUARD INDEX FDS	922908363	979	$470,605	0.06%
88	MERCK & CO INC	MRK	3,553	$468,818	0.05%
89	JPMORGAN CHASE & CO	VYLD	2,241	$449,038	0.05%
90	HONEYWELL INTL INC	438516106	2,158	$442,930	0.05%
91	VANGUARD INTL EQUITY INDEX F	922042858	10,501	$438,627	0.05%
92	WISDOMTREE TR	WT	5,963	$430,469	0.05%
93	INVESCO QQQ TR	IVZ	952	$422,944	0.05%
94	DENTSPLY SIRONA INC	XRAY	12,708	$421,779	0.05%
95	DANAHER CORPORATION	235851102	1,667	$416,283	0.05%
96	VANGUARD INDEX FDS	922908629	1,646	$411,270	0.05%
97	DIMENSIONAL ETF TRUST	25434V666	13,693	$410,653	0.05%
98	MARSH & MCLENNAN COS INC	571748102	1,948	$401,249	0.05%
99	PEPSICO INC	PEP	2,260	$395,587	0.05%
100	ISHARES TR	46432F834	5,769	$391,484	0.05%
101	AMAZON COM INC	AMZN	2,125	$383,308	0.04%
102	DISNEY WALT CO	254687106	3,131	$383,211	0.04%
103	ELI LILLY & CO	LLY	491	$381,978	0.04%
104	ADOBE INC	ADBE	751	$378,955	0.04%
105	INTEL CORP	INTC	8,513	$376,028	0.04%
106	TEXAS INSTRS INC	882508104	2,158	$375,945	0.04%
107	OREILLY AUTOMOTIVE INC	67103H107	326	$368,015	0.04%
108	ISHARES TR	464287499	4,273	$359,357	0.04%
109	ISHARES TR	464287739	3,934	$353,707	0.04%
110	ACCENTURE PLC IRELAND	ACN	1,020	$353,542	0.04%
111	AMERICAN CENTY ETF TR	025072356	8,354	$353,245	0.04%
112	ISHARES TR	464287689	1,159	$347,793	0.04%
113	ISHARES TR	464287622	1,190	$342,756	0.04%
114	UNION PAC CORP	UNP	1,390	$342,077	0.04%
115	META PLATFORMS INC	META	696	$337,964	0.04%
116	ISHARES TR	464287226	3,378	$330,841	0.04%
117	ISHARES TR	464287465	4,121	$329,115	0.04%
118	VANGUARD INDEX FDS	922908637	1,371	$328,711	0.04%
119	GENERAL ELECTRIC CO	369604301	1,846	$324,028	0.04%
120	NORFOLK SOUTHN CORP	655844108	1,243	$316,803	0.04%
121	VANGUARD INDEX FDS	922908769	1,205	$313,180	0.04%
122	INTERCONTINENTAL EXCHANGE IN	45866F104	2,219	$304,957	0.04%
123	TARGET CORP	TGT	1,649	$292,219	0.03%
124	ISHARES TR	464287457	3,537	$289,256	0.03%
125	VANGUARD TAX-MANAGED FDS	921943858	5,710	$286,471	0.03%
126	VANGUARD INDEX FDS	922908611	1,481	$284,174	0.03%
127	HOME DEPOT INC	HD	739	$283,480	0.03%
128	CAPITAL GROUP GBL GROWTH EQT	14020X104	9,842	$283,450	0.03%
129	WALMART INC	WMT	4,671	$281,054	0.03%
130	BANK AMERICA CORP	060505104	7,010	$265,819	0.03%
131	STARBUCKS CORP	SBUX	2,843	$259,822	0.03%
132	CINTAS CORP	CTAS	368	$252,827	0.03%
133	NEXTERA ENERGY INC	NEE-PW	3,877	$247,808	0.03%
134	MORGAN STANLEY	MS-PQ	2,622	$246,888	0.03%
135	INTERNATIONAL BUSINESS MACHS	INTR	1,292	$246,720	0.03%
136	ISHARES TR	464287549	2,862	$246,647	0.03%
137	UNITEDHEALTH GROUP INC	UNH	494	$244,382	0.03%
138	EXXON MOBIL CORP	XOM	2,071	$240,744	0.03%
139	AMERICAN CENTY ETF TR	025072604	4,118	$238,679	0.03%
140	PUBLIC STORAGE	PSA-PS	789	$228,857	0.03%
141	EATON CORP PLC	ETN	719	$224,817	0.03%
142	ISHARES INC	46434G863	6,838	$220,389	0.03%
143	NVIDIA CORPORATION	NVDA	243	$219,565	0.03%
144	EXPONENT INC	EXPO	2,650	$219,129	0.03%
145	CSX CORP	CSX	5,787	$214,548	0.03%
146	3M CO	MMM	1,988	$210,867	0.02%
147	MCDONALDS CORP	MCD	747	$210,617	0.02%
148	AGILENT TECHNOLOGIES INC	A	1,413	$205,606	0.02%
149	SANOFI	SNYNF	4,171	$202,711	0.02%
150	CAPITAL GROUP INTL FOCUS EQT	14019W109	7,819	$201,574	0.02%
151	METTLER TOLEDO INTERNATIONAL	MTD	151	$201,025	0.02%
152	ISHARES TR	464288273	3,173	$200,946	0.02%
153	FORD MTR CO DEL	345370860	12,363	$164,190	0.02%