13F HOLDINGS REPORT

Willow Creek Wealth Management Inc.

Quarter ended Q3 2025 · Filed November 12, 2025 · Accession 0001580642-25-007208

Total Value

$1.21B

Positions

180

Other Managers

Confidential Omitted

View on SEC.gov

Holdings (180)

#	Issuer	Ticker / CUSIP	Shares	Value	% of Filing
1	DIMENSIONAL ETF TRUST	25434V609	2,153,099	$125.3M	10.32%
2	VANGUARD BD INDEX FDS	921937827	1,503,962	$118.7M	9.77%
3	SPDR SERIES TRUST	78464A649	3,934,831	$101.7M	8.38%
4	DIMENSIONAL ETF TRUST	25434V401	819,697	$59.4M	4.89%
5	DIMENSIONAL ETF TRUST	25434V724	1,080,534	$48.3M	3.98%
6	DIMENSIONAL ETF TRUST	25434V203	1,320,407	$48.0M	3.95%
7	ISHARES TR	464288158	421,947	$45.1M	3.71%
8	SCHWAB STRATEGIC TR	808524870	1,548,759	$41.7M	3.44%
9	VANGUARD BD INDEX FDS	921937819	489,501	$38.2M	3.15%
10	VANGUARD MUN BD FDS	922907746	679,977	$34.0M	2.80%
11	DIMENSIONAL ETF TRUST	25434V807	732,358	$33.8M	2.78%
12	SPDR SERIES TRUST	78464A474	1,107,756	$33.6M	2.76%
13	AMERICAN CENTY ETF TR	025072349	444,586	$32.1M	2.65%
14	DIMENSIONAL ETF TRUST	25434V732	962,189	$30.9M	2.54%
15	AMERICAN CENTY ETF TR	025072802	299,193	$26.6M	2.19%
16	SPDR SERIES TRUST	78464A375	699,809	$23.7M	1.95%
17	SPDR SERIES TRUST	78468R101	745,398	$21.9M	1.80%
18	DIMENSIONAL ETF TRUST	25434V658	638,861	$17.4M	1.44%
19	SPDR SERIES TRUST	78464A672	593,737	$17.2M	1.41%
20	DIMENSIONAL ETF TRUST	25434V104	365,649	$16.7M	1.38%
21	SPDR SERIES TRUST	78464A656	620,526	$16.3M	1.34%
22	AMERICAN CENTY ETF TR	025072299	217,469	$15.6M	1.28%
23	APPLE INC	AAPL	60,737	$15.5M	1.27%
24	COSTCO WHSL CORP NEW	22160K105	16,174	$15.0M	1.23%
25	AMERICAN CENTY ETF TR	025072877	146,054	$14.5M	1.20%
26	DIMENSIONAL ETF TRUST	25434V716	326,933	$13.9M	1.14%
27	DIMENSIONAL ETF TRUST	25434V690	257,374	$10.5M	0.87%
28	DIMENSIONAL ETF TRUST	25434V880	299,035	$9.4M	0.77%
29	DIMENSIONAL ETF TRUST	25434V823	391,044	$9.3M	0.77%
30	AMERICAN CENTY ETF TR	025072315	137,460	$8.7M	0.72%
31	CISCO SYS INC	CSCO	107,615	$7.4M	0.61%
32	DIMENSIONAL ETF TRUST	25434V708	179,208	$6.9M	0.57%
33	DIMENSIONAL ETF TRUST	25434V682	165,745	$6.8M	0.56%
34	VANGUARD INDEX FDS	922908553	74,034	$6.8M	0.56%
35	AMERICAN CENTY ETF TR	025072281	89,985	$6.6M	0.55%
36	DIMENSIONAL ETF TRUST	25434V302	195,526	$6.2M	0.51%
37	VANGUARD INSTL INDEX FD	922040845	68,843	$5.2M	0.43%
38	MANAGER DIRECTED PORTFOLIOS	56170L695	474,258	$5.1M	0.42%
39	ISHARES TR	46435U663	109,292	$4.9M	0.41%
40	DIMENSIONAL ETF TRUST	25434V781	123,895	$4.4M	0.36%
41	VANGUARD INDEX FDS	922908363	5,128	$3.1M	0.26%
42	ALPHABET INC	GOOG	12,790	$3.1M	0.26%
43	ALPHABET INC	GOOG	12,412	$3.0M	0.25%
44	DIMENSIONAL ETF TRUST	25434V799	87,194	$2.9M	0.24%
45	ISHARES TR	464287507	42,223	$2.8M	0.23%
46	BERKLEY W R CORP	WRB-PH	33,010	$2.5M	0.21%
47	INTUIT	INTU	3,591	$2.5M	0.20%
48	MICROSOFT CORP	MSFT	4,730	$2.5M	0.20%
49	DIMENSIONAL ETF TRUST	25434V500	35,742	$2.4M	0.20%
50	ISHARES TR	464287200	3,208	$2.1M	0.18%
51	THERMO FISHER SCIENTIFIC INC	TMO	4,344	$2.1M	0.17%
52	SPDR SERIES TRUST	78464A383	92,874	$2.1M	0.17%
53	ISHARES TR	464287614	4,342	$2.0M	0.17%
54	VANGUARD INDEX FDS	922908769	5,997	$2.0M	0.16%
55	VANGUARD BD INDEX FDS	921937835	25,915	$1.9M	0.16%
56	VERISIGN INC	VRSN	6,818	$1.9M	0.16%
57	VANGUARD INDEX FDS	922908629	6,308	$1.9M	0.15%
58	VISA INC	V	4,736	$1.6M	0.13%
59	VANGUARD INDEX FDS	922908736	3,361	$1.6M	0.13%
60	VANGUARD WORLD FD	92204A702	2,150	$1.6M	0.13%
61	ISHARES TR	46436E718	15,860	$1.6M	0.13%
62	VANGUARD INDEX FDS	922908751	6,261	$1.6M	0.13%
63	DIMENSIONAL ETF TRUST	25434V815	48,267	$1.5M	0.13%
64	DIMENSIONAL ETF TRUST	25434V856	35,724	$1.5M	0.12%
65	ORACLE CORP	ORCL-PD	5,276	$1.5M	0.12%
66	VANGUARD SCOTTSDALE FDS	92206C771	27,440	$1.3M	0.11%
67	ISHARES TR	464287150	8,782	$1.3M	0.11%
68	VANGUARD BD INDEX FDS	92203C303	24,781	$1.2M	0.10%
69	VANGUARD STAR FDS	921909768	16,335	$1.2M	0.10%
70	ISHARES TR	46435G243	46,328	$1.2M	0.10%
71	VANGUARD MALVERN FDS	922020805	22,958	$1.2M	0.10%
72	VANGUARD INTL EQUITY INDEX F	922042858	20,381	$1.1M	0.09%
73	JPMORGAN CHASE & CO.	VYLD	3,462	$1.1M	0.09%
74	DIMENSIONAL ETF TRUST	25434V666	33,128	$1.1M	0.09%
75	ISHARES TR	464287176	9,758	$1.1M	0.09%
76	VANGUARD SCOTTSDALE FDS	92206C714	11,935	$1.1M	0.09%
77	ISHARES TR	464287879	9,496	$1.1M	0.09%
78	ISHARES TR	464288802	7,679	$1.0M	0.09%
79	INVESCO QQQ TR	IVZ	1,701	$1.0M	0.08%
80	VANGUARD WORLD FD	92204A504	3,739	$970,797	0.08%
81	ISHARES TR	464287598	4,635	$943,640	0.08%
82	ISHARES TR	464288570	7,361	$927,118	0.08%
83	SPDR S&P 500 ETF TR	SPY	1,373	$915,188	0.08%
84	ISHARES TR	46435G193	34,237	$806,624	0.07%
85	VANGUARD SPECIALIZED FUNDS	921908844	3,688	$796,043	0.07%
86	NVIDIA CORPORATION	NVDA	4,255	$793,931	0.07%
87	JOHNSON & JOHNSON	JNJ	4,242	$786,729	0.06%
88	AMERICAN CENTY ETF TR	025072885	7,091	$770,792	0.06%
89	AFLAC INC	AFL	6,599	$737,108	0.06%
90	INVESCO EXCHANGE TRADED FD T	IVZ	15,805	$714,544	0.06%
91	DIMENSIONAL ETF TRUST	25434V864	14,532	$700,301	0.06%
92	DIMENSIONAL ETF TRUST	25434V633	13,951	$695,109	0.06%
93	PROCTER AND GAMBLE CO	742718109	4,322	$664,075	0.05%
94	MASTERCARD INCORPORATED	MA	1,103	$627,397	0.05%
95	SPDR GOLD TR	GLD	1,741	$618,873	0.05%
96	WALMART INC	WMT	5,995	$617,845	0.05%
97	ISHARES TR	464287804	5,145	$611,380	0.05%
98	VANGUARD WORLD FD	921910691	9,282	$595,904	0.05%
99	BERKSHIRE HATHAWAY INC DEL	BRK-A	1,154	$580,162	0.05%
100	PROSHARES TR	74347R248	7,389	$565,850	0.05%
101	GE AEROSPACE	369604301	1,877	$564,639	0.05%
102	ISHARES TR	464288414	4,985	$530,853	0.04%
103	DIMENSIONAL ETF TRUST	25434V591	10,441	$530,194	0.04%
104	AMAZON COM INC	AMZN	2,390	$524,772	0.04%
105	VANGUARD TAX-MANAGED FDS	921943858	8,615	$516,211	0.04%
106	DISNEY WALT CO	254687106	4,485	$513,628	0.04%
107	VANGUARD SCOTTSDALE FDS	92206C409	6,379	$509,935	0.04%
108	ISHARES TR	464288810	8,407	$505,120	0.04%
109	HONEYWELL INTL INC	438516106	2,327	$489,834	0.04%
110	ISHARES TR	46432F834	5,925	$489,287	0.04%
111	PROGRESSIVE CORP	743315103	1,887	$465,995	0.04%
112	AMERICAN CENTY ETF TR	025072604	6,189	$464,857	0.04%
113	WISDOMTREE TR	WT	5,329	$463,783	0.04%
114	OREILLY AUTOMOTIVE INC	67103H107	4,215	$454,419	0.04%
115	META PLATFORMS INC	META	605	$444,300	0.04%
116	ISHARES TR	464287689	1,144	$433,507	0.04%
117	ISHARES TR	464287622	1,135	$414,820	0.03%
118	TESLA INC	TSLA	900	$400,248	0.03%
119	TEXAS INSTRS INC	882508104	2,146	$394,285	0.03%
120	VANGUARD WHITEHALL FDS	921946406	2,723	$383,916	0.03%
121	BROADCOM INC	AVGO	1,163	$383,685	0.03%
122	HOME DEPOT INC	HD	942	$381,689	0.03%
123	INTERNATIONAL BUSINESS MACHS	INTR	1,298	$366,244	0.03%
124	PEPSICO INC	PEP	2,572	$361,264	0.03%
125	ISHARES TR	464287549	2,862	$360,469	0.03%
126	INTERCONTINENTAL EXCHANGE IN	45866F104	2,066	$348,080	0.03%
127	BANK AMERICA CORP	060505104	6,718	$346,582	0.03%
128	ELI LILLY & CO	LLY	453	$345,639	0.03%
129	MARSH & MCLENNAN COS INC	571748102	1,708	$344,213	0.03%
130	MORGAN STANLEY	MS-PQ	2,157	$342,877	0.03%
131	MERCK & CO INC	MRK	4,079	$342,350	0.03%
132	VANGUARD INDEX FDS	922908611	1,628	$339,780	0.03%
133	MCDONALDS CORP	MCD	1,116	$339,141	0.03%
134	ISHARES TR	464287226	3,378	$338,645	0.03%
135	VANGUARD INDEX FDS	922908538	1,148	$337,287	0.03%
136	CAPITAL GROUP GBL GROWTH EQT	14020X104	9,842	$336,301	0.03%
137	VANGUARD INDEX FDS	922908637	1,092	$336,183	0.03%
138	DANAHER CORPORATION	235851102	1,652	$327,526	0.03%
139	AMERICAN CENTY ETF TR	025072356	7,345	$326,706	0.03%
140	VANGUARD SCOTTSDALE FDS	92206C870	3,766	$316,815	0.03%
141	INTEL CORP	INTC	9,398	$315,322	0.03%
142	EXXON MOBIL CORP	XOM	2,785	$314,020	0.03%
143	NORFOLK SOUTHN CORP	655844108	1,043	$313,328	0.03%
144	CINTAS CORP	CTAS	1,516	$311,174	0.03%
145	ISHARES TR	464287499	3,187	$307,705	0.03%
146	GE VERNOVA INC	GEV	500	$307,450	0.03%
147	NETFLIX INC	NFLX	256	$306,924	0.03%
148	SUPER MICRO COMPUTER INC	SMCI	6,346	$304,227	0.03%
149	VANGUARD WORLD FD	921910873	1,238	$302,422	0.02%
150	ISHARES INC	46434G863	6,838	$296,906	0.02%
151	NEXTERA ENERGY INC	NEE-PW	3,932	$296,861	0.02%
152	VANGUARD INDEX FDS	922908744	1,509	$281,413	0.02%
153	EATON CORP PLC	ETN	748	$279,939	0.02%
154	HP INC	HPQ	9,900	$269,577	0.02%
155	UNION PAC CORP	UNP	1,130	$267,101	0.02%
156	ADOBE INC	ADBE	757	$267,032	0.02%
157	ISHARES TR	464287572	2,219	$266,302	0.02%
158	ISHARES TR	464287465	2,722	$254,233	0.02%
159	CELESTICA INC	CLS	1,000	$246,380	0.02%
160	ACCENTURE PLC IRELAND	ACN	991	$244,381	0.02%
161	ISHARES TR	464288273	3,173	$243,433	0.02%
162	TJX COS INC NEW	872540109	1,678	$242,538	0.02%
163	MCKESSON CORP	MCK	309	$238,715	0.02%
164	CAPITAL GROUP INTL FOCUS EQT	14019W109	7,819	$231,599	0.02%
165	PUBLIC STORAGE OPER CO	PSA-PS	789	$227,903	0.02%
166	ISHARES TR	464287457	2,731	$226,564	0.02%
167	CSX CORP	CSX	6,140	$218,055	0.02%
168	PALO ALTO NETWORKS INC	PANW	1,067	$217,263	0.02%
169	SPDR SERIES TRUST	78468R796	3,953	$216,822	0.02%
170	DEERE & CO	DE	472	$216,257	0.02%
171	STARBUCKS CORP	SBUX	2,542	$215,053	0.02%
172	VANGUARD CHARLOTTE FDS	92203J407	4,334	$214,408	0.02%
173	PERIMETER SOLUTIONS INC	PRM	9,573	$214,339	0.02%
174	THE CIGNA GROUP	125523100	723	$208,405	0.02%
175	3M CO	MMM	1,330	$206,389	0.02%
176	INVESCO EXCH TRADED FD TR II	IVZ	827	$204,368	0.02%
177	INVESCO EXCHANGE TRADED FD T	IVZ	4,241	$202,095	0.02%
178	VANGUARD INTL EQUITY INDEX F	922042775	2,831	$202,048	0.02%
179	DENTSPLY SIRONA INC	XRAY	12,700	$161,163	0.01%
180	POLESTAR AUTOMOTIVE HLDG UK	731105201	15,320	$14,402	0.00%