13F HOLDINGS REPORT

Willow Creek Wealth Management Inc.

Quarter ended Q2 2025 · Filed July 25, 2025 · Accession 0001580642-25-004470

Total Value

$879.2M

Positions

149

Other Managers

Confidential Omitted

View on SEC.gov

Holdings (149)

#	Issuer	Ticker / CUSIP	Shares	Value	% of Filing
1	DIMENSIONAL ETF TRUST	25434V609	1,807,327	$93.7M	10.66%
2	VANGUARD BD INDEX FDS	921937827	1,143,648	$87.7M	9.98%
3	SPDR SER TR	78464A649	3,230,583	$81.1M	9.22%
4	DIMENSIONAL ETF TRUST	25434V724	1,100,290	$43.2M	4.91%
5	DIMENSIONAL ETF TRUST	25434V401	666,296	$39.2M	4.46%
6	ISHARES TR	464288158	330,931	$34.6M	3.94%
7	VANGUARD MUN BD FDS	922907746	661,211	$33.1M	3.77%
8	VANGUARD BD INDEX FDS	921937819	431,890	$32.3M	3.68%
9	SPDR SER TR	78464A474	966,409	$28.7M	3.26%
10	DIMENSIONAL ETF TRUST	25434V807	746,492	$26.8M	3.05%
11	SCHWAB STRATEGIC TR	808524870	464,540	$24.2M	2.75%
12	DIMENSIONAL ETF TRUST	25434V203	681,614	$20.2M	2.30%
13	SPDR SER TR	78464A375	579,169	$18.9M	2.14%
14	AMERICAN CENTY ETF TR	025072349	298,687	$18.8M	2.13%
15	SPDR SER TR	78468R101	632,644	$18.3M	2.08%
16	DIMENSIONAL ETF TRUST	25434V732	629,603	$16.8M	1.91%
17	SPDR SER TR	78464A656	569,233	$14.5M	1.65%
18	COSTCO WHSL CORP NEW	22160K105	16,996	$14.4M	1.64%
19	AMERICAN CENTY ETF TR	025072802	204,319	$13.3M	1.51%
20	APPLE INC	AAPL	62,008	$13.1M	1.49%
21	SPDR SER TR	78464A672	455,125	$12.8M	1.45%
22	DIMENSIONAL ETF TRUST	25434V104	320,080	$12.0M	1.36%
23	AMERICAN CENTY ETF TR	025072299	185,638	$10.3M	1.17%
24	DIMENSIONAL ETF TRUST	25434V823	427,941	$9.5M	1.08%
25	AMERICAN CENTY ETF TR	025072877	99,833	$9.0M	1.02%
26	DIMENSIONAL ETF TRUST	25434V880	296,434	$7.5M	0.86%
27	DIMENSIONAL ETF TRUST	25434V658	281,301	$7.0M	0.80%
28	DIMENSIONAL ETF TRUST	25434V716	184,806	$6.4M	0.73%
29	SPDR SER TR	78468R663	65,786	$6.0M	0.69%
30	VANGUARD INDEX FDS	922908553	71,814	$6.0M	0.68%
31	ISHARES TR	46436E718	59,042	$5.9M	0.68%
32	AMERICAN CENTY ETF TR	025072315	97,430	$5.0M	0.57%
33	CISCO SYS INC	CSCO	103,330	$4.9M	0.56%
34	DIMENSIONAL ETF TRUST	25434V708	147,099	$4.7M	0.54%
35	DIMENSIONAL ETF TRUST	25434V690	139,986	$4.6M	0.52%
36	DIMENSIONAL ETF TRUST	25434V302	170,915	$4.4M	0.50%
37	MANAGER DIRECTED PORTFOLIOS	56170L695	402,632	$3.9M	0.44%
38	ISHARES TR	46435U663	94,038	$3.6M	0.41%
39	AMERICAN CENTY ETF TR	025072281	58,532	$3.6M	0.41%
40	DIMENSIONAL ETF TRUST	25434V781	126,824	$3.4M	0.39%
41	DIMENSIONAL ETF TRUST	25434V682	91,614	$3.1M	0.35%
42	ISHARES TR	464287507	42,478	$2.5M	0.28%
43	THERMO FISHER SCIENTIFIC INC	TMO	4,368	$2.4M	0.27%
44	INTUIT	INTU	3,627	$2.4M	0.27%
45	ALPHABET INC	GOOG	12,904	$2.4M	0.27%
46	ALPHABET INC	GOOG	12,429	$2.3M	0.26%
47	DIMENSIONAL ETF TRUST	25434V500	36,013	$2.2M	0.25%
48	SPDR SER TR	78464A383	92,887	$2.0M	0.23%
49	ISHARES TR	464287200	3,659	$2.0M	0.23%
50	VANGUARD BD INDEX FDS	921937835	26,073	$1.9M	0.21%
51	MICROSOFT CORP	MSFT	3,996	$1.8M	0.20%
52	DIMENSIONAL ETF TRUST	25434V799	67,621	$1.8M	0.20%
53	BERKLEY W R CORP	WRB-PH	21,928	$1.7M	0.20%
54	ISHARES TR	464287614	4,600	$1.7M	0.19%
55	DIMENSIONAL ETF TRUST	25434V856	36,842	$1.5M	0.17%
56	VERISIGN INC	VRSN	7,447	$1.3M	0.15%
57	ISHARES TR	464287176	12,111	$1.3M	0.15%
58	VANGUARD SCOTTSDALE FDS	92206C771	27,440	$1.2M	0.14%
59	VISA INC	V	4,719	$1.2M	0.14%
60	VANGUARD BD INDEX FDS	92203C303	21,939	$1.1M	0.12%
61	ISHARES TR	46435G243	42,869	$1.0M	0.12%
62	ISHARES TR	464287150	8,099	$961,999	0.11%
63	ISHARES TR	464287879	9,547	$928,681	0.11%
64	PROCTER AND GAMBLE CO	742718109	5,318	$877,045	0.10%
65	ISHARES TR	464288802	7,679	$862,889	0.10%
66	ORACLE CORP	ORCL-PD	5,905	$833,786	0.09%
67	ISHARES TR	464287598	4,679	$816,345	0.09%
68	ISHARES TR	464288570	7,309	$759,040	0.09%
69	FASTLY INC	FSLY	102,500	$755,425	0.09%
70	VANGUARD SPECIALIZED FUNDS	921908844	4,089	$746,447	0.08%
71	ISHARES TR	46435G193	31,972	$726,404	0.08%
72	AMERICAN CENTY ETF TR	025072885	7,634	$688,510	0.08%
73	SPDR S&P 500 ETF TR	SPY	1,258	$685,056	0.08%
74	VANGUARD MALVERN FDS	922020805	14,051	$682,036	0.08%
75	ISHARES TR	464287804	6,027	$642,840	0.07%
76	INVESCO EXCHANGE TRADED FD T	IVZ	15,805	$599,800	0.07%
77	AFLAC INC	AFL	6,583	$587,928	0.07%
78	VANGUARD INDEX FDS	922908751	2,563	$558,837	0.06%
79	JOHNSON & JOHNSON	JNJ	3,564	$521,054	0.06%
80	ISHARES TR	464288414	4,850	$516,768	0.06%
81	PLANET LABS PBC	PL-WT	273,407	$508,537	0.06%
82	PROGRESSIVE CORP	743315103	2,406	$499,750	0.06%
83	BERKSHIRE HATHAWAY INC DEL	BRK-A	1,228	$499,550	0.06%
84	VANGUARD INDEX FDS	922908363	977	$488,627	0.06%
85	MASTERCARD INCORPORATED	MA	1,098	$484,394	0.06%
86	MERCK & CO INC	MRK	3,849	$476,506	0.05%
87	DIMENSIONAL ETF TRUST	25434V815	16,334	$470,093	0.05%
88	VANGUARD INTL EQUITY INDEX F	922042858	10,501	$459,524	0.05%
89	HONEYWELL INTL INC	438516106	2,140	$456,976	0.05%
90	JPMORGAN CHASE & CO.	VYLD	2,244	$454,038	0.05%
91	INVESCO QQQ TR	IVZ	927	$444,401	0.05%
92	ELI LILLY & CO	LLY	480	$434,582	0.05%
93	VANGUARD WORLD FD	921910691	6,959	$431,876	0.05%
94	AMAZON COM INC	AMZN	2,200	$425,150	0.05%
95	TEXAS INSTRS INC	882508104	2,149	$418,045	0.05%
96	ADOBE INC	ADBE	749	$416,099	0.05%
97	DANAHER CORPORATION	235851102	1,662	$415,251	0.05%
98	WISDOMTREE TR	WT	5,683	$413,438	0.05%
99	MARSH & MCLENNAN COS INC	571748102	1,940	$408,797	0.05%
100	VANGUARD INDEX FDS	922908629	1,646	$398,497	0.05%
101	DIMENSIONAL ETF TRUST	25434V666	13,693	$395,865	0.05%
102	PEPSICO INC	PEP	2,364	$389,956	0.04%
103	ISHARES TR	46432F834	5,769	$389,754	0.04%
104	META PLATFORMS INC	META	738	$372,114	0.04%
105	VANGUARD INDEX FDS	922908769	1,390	$371,839	0.04%
106	ISHARES TR	464287689	1,164	$359,292	0.04%
107	AMERICAN CENTY ETF TR	025072356	8,516	$351,045	0.04%
108	ISHARES TR	464287499	4,273	$346,494	0.04%
109	ISHARES TR	464287739	3,946	$346,252	0.04%
110	OREILLY AUTOMOTIVE INC	67103H107	326	$344,276	0.04%
111	VANGUARD INDEX FDS	922908637	1,354	$337,985	0.04%
112	ISHARES TR	464287226	3,378	$327,902	0.04%
113	ISHARES TR	464287465	4,143	$324,550	0.04%
114	ISHARES TR	464287622	1,088	$323,724	0.04%
115	DISNEY WALT CO	254687106	3,226	$320,392	0.04%
116	GE AEROSPACE	369604301	2,002	$318,258	0.04%
117	DENTSPLY SIRONA INC	XRAY	12,700	$316,357	0.04%
118	WALMART INC	WMT	4,664	$315,799	0.04%
119	UNION PAC CORP	UNP	1,390	$314,579	0.04%
120	INTERCONTINENTAL EXCHANGE IN	45866F104	2,234	$305,812	0.03%
121	HP INC	HPQ	8,708	$304,954	0.03%
122	ACCENTURE PLC IRELAND	ACN	997	$302,500	0.03%
123	NVIDIA CORPORATION	NVDA	2,418	$298,720	0.03%
124	EXXON MOBIL CORP	XOM	2,577	$296,675	0.03%
125	CAPITAL GROUP GBL GROWTH EQT	14020X104	9,842	$289,748	0.03%
126	ISHARES TR	464287457	3,537	$288,796	0.03%
127	VANGUARD TAX-MANAGED FDS	921943858	5,710	$282,188	0.03%
128	BANK AMERICA CORP	060505104	7,042	$280,060	0.03%
129	VANGUARD INDEX FDS	922908611	1,481	$270,312	0.03%
130	ISHARES TR	464287549	2,862	$269,915	0.03%
131	NORFOLK SOUTHN CORP	655844108	1,243	$266,860	0.03%
132	INTEL CORP	INTC	8,501	$263,299	0.03%
133	HOME DEPOT INC	HD	758	$260,934	0.03%
134	CINTAS CORP	CTAS	368	$257,696	0.03%
135	MORGAN STANLEY	MS-PQ	2,619	$254,541	0.03%
136	NEXTERA ENERGY INC	NEE-PW	3,580	$253,532	0.03%
137	AMERICAN CENTY ETF TR	025072604	4,118	$251,569	0.03%
138	UNITEDHEALTH GROUP INC	UNH	491	$250,047	0.03%
139	TARGET CORP	TGT	1,648	$243,970	0.03%
140	ISHARES INC	46434G863	6,838	$229,278	0.03%
141	STARBUCKS CORP	SBUX	2,920	$227,322	0.03%
142	INTERNATIONAL BUSINESS MACHS	INTR	1,313	$227,083	0.03%
143	PUBLIC STORAGE OPER CO	PSA-PS	789	$226,956	0.03%
144	EATON CORP PLC	ETN	711	$222,934	0.03%
145	ISHARES TR	464287572	2,219	$214,311	0.02%
146	METTLER TOLEDO INTERNATIONAL	MTD	148	$206,843	0.02%
147	SANOFI	SNYNF	4,171	$202,377	0.02%
148	CAPITAL GROUP INTL FOCUS EQT	14019W109	7,819	$201,105	0.02%
149	TREVENA INC	89532E208	13,610	$2,967	0.00%