13F HOLDINGS REPORT

Willow Creek Wealth Management Inc.

Quarter ended Q2 2025 · Filed July 25, 2025 · Accession 0001580642-25-004472

Total Value

$879.2M

Positions

149

Other Managers

Confidential Omitted

View on SEC.gov

Holdings (155)

#	Issuer	Ticker / CUSIP	Shares	Value	% of Filing
1	DIMENSIONAL ETF TRUST	25434V609	1,826,059	$101.6M	10.68%
2	VANGUARD BD INDEX FDS	921937827	1,210,425	$95.2M	10.01%
3	SPDR SER TR	78464A649	3,363,571	$87.9M	9.24%
4	DIMENSIONAL ETF TRUST	25434V724	1,081,089	$45.1M	4.74%
5	DIMENSIONAL ETF TRUST	25434V401	693,443	$43.1M	4.53%
6	ISHARES TR	464288158	338,285	$35.9M	3.78%
7	VANGUARD BD INDEX FDS	921937819	440,174	$34.5M	3.63%
8	VANGUARD MUN BD FDS	922907746	661,827	$33.8M	3.56%
9	SPDR SER TR	78464A474	1,013,252	$30.7M	3.23%
10	DIMENSIONAL ETF TRUST	25434V807	730,066	$27.8M	2.92%
11	SCHWAB STRATEGIC TR	808524870	506,778	$27.2M	2.86%
12	DIMENSIONAL ETF TRUST	25434V203	760,804	$24.2M	2.54%
13	AMERICAN CENTY ETF TR	025072349	315,258	$20.8M	2.18%
14	SPDR SER TR	78464A375	594,703	$20.0M	2.11%
15	DIMENSIONAL ETF TRUST	25434V732	685,324	$19.3M	2.03%
16	SPDR SER TR	78468R101	641,164	$18.9M	1.98%
17	AMERICAN CENTY ETF TR	025072802	218,704	$15.5M	1.62%
18	SPDR SER TR	78464A656	577,309	$15.2M	1.59%
19	APPLE INC	AAPL	61,463	$14.3M	1.51%
20	COSTCO WHSL CORP NEW	22160K105	16,099	$14.3M	1.50%
21	SPDR SER TR	78464A672	457,631	$13.3M	1.40%
22	DIMENSIONAL ETF TRUST	25434V104	321,797	$12.8M	1.34%
23	AMERICAN CENTY ETF TR	025072299	194,895	$11.8M	1.24%
24	DIMENSIONAL ETF TRUST	25434V823	433,905	$11.1M	1.17%
25	AMERICAN CENTY ETF TR	025072877	103,477	$9.9M	1.04%
26	DIMENSIONAL ETF TRUST	25434V658	313,302	$9.0M	0.95%
27	DIMENSIONAL ETF TRUST	25434V880	298,668	$8.1M	0.85%
28	DIMENSIONAL ETF TRUST	25434V716	193,511	$7.2M	0.76%
29	VANGUARD INDEX FDS	922908553	71,778	$7.0M	0.74%
30	ISHARES TR	46436E718	65,129	$6.6M	0.69%
31	SPDR SER TR	78468R663	66,863	$6.1M	0.65%
32	AMERICAN CENTY ETF TR	025072315	101,283	$5.6M	0.59%
33	CISCO SYS INC	CSCO	103,285	$5.5M	0.58%
34	DIMENSIONAL ETF TRUST	25434V690	144,580	$5.2M	0.54%
35	DIMENSIONAL ETF TRUST	25434V708	148,261	$5.1M	0.53%
36	MANAGER DIRECTED PORTFOLIOS	56170L695	411,638	$4.6M	0.48%
37	DIMENSIONAL ETF TRUST	25434V302	165,269	$4.5M	0.48%
38	AMERICAN CENTY ETF TR	025072281	62,929	$4.1M	0.43%
39	ISHARES TR	46435U663	94,270	$3.9M	0.41%
40	DIMENSIONAL ETF TRUST	25434V781	125,991	$3.7M	0.38%
41	DIMENSIONAL ETF TRUST	25434V682	96,999	$3.4M	0.36%
42	THERMO FISHER SCIENTIFIC INC	TMO	4,360	$2.7M	0.28%
43	ISHARES TR	464287507	40,811	$2.5M	0.27%
44	DIMENSIONAL ETF TRUST	25434V500	35,877	$2.3M	0.24%
45	INTUIT	INTU	3,587	$2.2M	0.23%
46	ALPHABET INC	GOOG	12,924	$2.2M	0.23%
47	SPDR SER TR	78464A383	92,652	$2.1M	0.22%
48	ALPHABET INC	GOOG	12,429	$2.1M	0.22%
49	VANGUARD BD INDEX FDS	921937835	25,900	$1.9M	0.20%
50	ISHARES TR	464287200	3,235	$1.9M	0.20%
51	BERKLEY W R CORP	WRB-PH	32,890	$1.9M	0.20%
52	DIMENSIONAL ETF TRUST	25434V799	65,693	$1.8M	0.19%
53	ISHARES TR	464287614	4,600	$1.7M	0.18%
54	MICROSOFT CORP	MSFT	3,917	$1.7M	0.18%
55	DIMENSIONAL ETF TRUST	25434V856	36,924	$1.6M	0.16%
56	VANGUARD BD INDEX FDS	92203C303	28,663	$1.4M	0.15%
57	VERISIGN INC	VRSN	7,447	$1.4M	0.15%
58	VISA INC	V	4,737	$1.3M	0.14%
59	VANGUARD SCOTTSDALE FDS	92206C771	27,440	$1.3M	0.14%
60	ISHARES TR	464287176	10,324	$1.1M	0.12%
61	ISHARES TR	46435G243	43,602	$1.1M	0.12%
62	ISHARES TR	464287879	9,547	$1.0M	0.11%
63	ORACLE CORP	ORCL-PD	5,905	$1.0M	0.11%
64	ISHARES TR	464287150	7,807	$980,715	0.10%
65	ISHARES TR	464288802	7,679	$924,321	0.10%
66	PLANET LABS PBC	PL-WT	407,620	$908,993	0.10%
67	PROCTER AND GAMBLE CO	742718109	5,143	$890,768	0.09%
68	ISHARES TR	464287598	4,679	$888,074	0.09%
69	VANGUARD SPECIALIZED FUNDS	921908844	4,053	$802,737	0.08%
70	ISHARES TR	464288570	7,358	$800,477	0.08%
71	FASTLY INC	FSLY	102,500	$775,925	0.08%
72	ISHARES TR	46435G193	32,018	$761,708	0.08%
73	AFLAC INC	AFL	6,630	$741,234	0.08%
74	AMERICAN CENTY ETF TR	025072885	7,634	$726,375	0.08%
75	SPDR S&P 500 ETF TR	SPY	1,264	$725,683	0.08%
76	ISHARES TR	464287804	6,027	$704,918	0.07%
77	JPMORGAN CHASE & CO.	VYLD	3,328	$701,916	0.07%
78	INVESCO EXCHANGE TRADED FD T	IVZ	15,805	$642,157	0.07%
79	VANGUARD INDEX FDS	922908751	2,586	$613,425	0.06%
80	JOHNSON & JOHNSON	JNJ	3,780	$612,742	0.06%
81	PROGRESSIVE CORP	743315103	2,291	$581,364	0.06%
82	VANGUARD MALVERN FDS	922020805	11,728	$578,308	0.06%
83	BERKSHIRE HATHAWAY INC DEL	BRK-A	1,248	$574,404	0.06%
84	MASTERCARD INCORPORATED	MA	1,092	$539,230	0.06%
85	VANGUARD INTL EQUITY INDEX F	922042858	11,107	$531,470	0.06%
86	ISHARES TR	464288414	4,884	$530,549	0.06%
87	VANGUARD INDEX FDS	922908363	977	$515,534	0.05%
88	INVESCO QQQ TR	IVZ	1,004	$490,293	0.05%
89	HONEYWELL INTL INC	438516106	2,277	$470,679	0.05%
90	VANGUARD WORLD FD	921910691	7,137	$463,049	0.05%
91	DIMENSIONAL ETF TRUST	25434V815	15,005	$462,154	0.05%
92	DANAHER CORPORATION	235851102	1,656	$460,401	0.05%
93	TEXAS INSTRS INC	882508104	2,179	$450,116	0.05%
94	ISHARES TR	46432F834	6,165	$447,764	0.05%
95	VANGUARD INDEX FDS	922908629	1,646	$434,264	0.05%
96	MARSH & MCLENNAN COS INC	571748102	1,940	$432,795	0.05%
97	META PLATFORMS INC	META	745	$426,468	0.04%
98	WISDOMTREE TR	WT	5,416	$425,481	0.04%
99	ELI LILLY & CO	LLY	480	$425,251	0.04%
100	AMERICAN CENTY ETF TR	025072356	8,694	$409,878	0.04%
101	MERCK & CO INC	MRK	3,557	$403,933	0.04%
102	DIMENSIONAL ETF TRUST	25434V666	12,839	$395,570	0.04%
103	VANGUARD INDEX FDS	922908769	1,390	$393,592	0.04%
104	ADOBE INC	ADBE	749	$387,817	0.04%
105	WALMART INC	WMT	4,801	$387,681	0.04%
106	PEPSICO INC	PEP	2,275	$386,927	0.04%
107	GE AEROSPACE	369604301	2,037	$384,137	0.04%
108	ISHARES TR	464287622	1,219	$383,241	0.04%
109	AMAZON COM INC	AMZN	2,043	$380,672	0.04%
110	HOME DEPOT INC	HD	939	$380,483	0.04%
111	ISHARES TR	464287499	4,273	$376,664	0.04%
112	OREILLY AUTOMOTIVE INC	67103H107	326	$375,422	0.04%
113	VANGUARD TAX-MANAGED FDS	921943858	7,077	$373,736	0.04%
114	ISHARES TR	464287689	1,109	$362,344	0.04%
115	ACCENTURE PLC IRELAND	ACN	1,019	$360,196	0.04%
116	VANGUARD INDEX FDS	922908637	1,354	$356,495	0.04%
117	INTERCONTINENTAL EXCHANGE IN	45866F104	2,218	$356,300	0.04%
118	UNION PAC CORP	UNP	1,418	$349,517	0.04%
119	DENTSPLY SIRONA INC	XRAY	12,700	$343,662	0.04%
120	ISHARES TR	464287226	3,378	$342,090	0.04%
121	AMERICAN CENTY ETF TR	025072604	4,914	$317,444	0.03%
122	CINTAS CORP	CTAS	1,516	$312,114	0.03%
123	DISNEY WALT CO	254687106	3,220	$309,812	0.03%
124	NEXTERA ENERGY INC	NEE-PW	3,609	$305,107	0.03%
125	EXXON MOBIL CORP	XOM	2,577	$302,087	0.03%
126	HP INC	HPQ	8,417	$301,918	0.03%
127	NVIDIA CORPORATION	NVDA	2,461	$298,864	0.03%
128	VANGUARD INDEX FDS	922908611	1,481	$297,355	0.03%
129	UNITEDHEALTH GROUP INC	UNH	508	$297,017	0.03%
130	CAPITAL GROUP GBL GROWTH EQT	14020X104	9,842	$296,736	0.03%
131	ISHARES TR	464287457	3,537	$294,102	0.03%
132	INTERNATIONAL BUSINESS MACHS	INTR	1,313	$290,278	0.03%
133	PUBLIC STORAGE OPER CO	PSA-PS	789	$287,093	0.03%
134	STARBUCKS CORP	SBUX	2,873	$280,089	0.03%
135	BANK AMERICA CORP	060505104	7,042	$279,427	0.03%
136	ISHARES TR	464287549	2,862	$274,580	0.03%
137	MORGAN STANLEY	MS-PQ	2,619	$273,005	0.03%
138	TARGET CORP	TGT	1,667	$259,819	0.03%
139	NORFOLK SOUTHN CORP	655844108	1,043	$259,186	0.03%
140	ISHARES INC	46434G863	6,838	$248,972	0.03%
141	AGILENT TECHNOLOGIES INC	A	1,621	$240,686	0.03%
142	SANOFI	SNYNF	4,171	$240,375	0.03%
143	EATON CORP PLC	ETN	711	$235,654	0.02%
144	MCDONALDS CORP	MCD	769	$234,168	0.02%
145	DIMENSIONAL ETF TRUST	25434V633	4,489	$227,503	0.02%
146	VANGUARD INDEX FDS	922908744	1,290	$225,195	0.02%
147	ISHARES TR	464287465	2,656	$222,193	0.02%
148	METTLER TOLEDO INTERNATIONAL	MTD	148	$221,956	0.02%
149	ISHARES TR	464287572	2,219	$220,036	0.02%
150	SPDR SER TR	78468R796	4,623	$218,437	0.02%
151	ISHARES TR	464288273	3,173	$214,812	0.02%
152	CAPITAL GROUP INTL FOCUS EQT	14019W109	7,819	$210,878	0.02%
153	ISHARES TR	464287739	2,044	$208,222	0.02%
154	INTEL CORP	INTC	8,584	$201,394	0.02%
155	POLESTAR AUTOMOTIVE HLDG UK	731105201	15,320	$26,350	0.00%