Institutional Manager · CIK 0001632407

Willow Creek Wealth Management Inc.

Sebastopol, CA · File #028-16438

Latest AUM

$1.21B

Positions

180

Top-10 Concentration

58.4%

Filings

Portfolio Value Over Time

2024-03

2024-12

2025-06

2025-09

Biggest QoQ Changes

Ranked by conviction flow (share change × current price) so mark-to-market moves don't dominate. Price effect column shows how much of the $ change was just the stock moving.

Action	Issuer	Ticker / CUSIP	Δ Shares	Flow ($)	Price Effect
ADD	VANGUARD BD INDEX FDS	921937827	+89,801	+$7.1M	+$296,998
ADD	SPDR SERIES TRUST	78464A649	+239,810	+$6.2M	+$923,744
ADD	ISHARES TR	464288158	+40,670	+$4.3M	+$167,759
ADD	DIMENSIONAL ETF TRUST	25434V203	+114,276	+$4.2M	+$2.1M
ADD	DIMENSIONAL ETF TRUST	25434V609	+53,882	+$3.1M	+$8.9M
ADD	SCHWAB STRATEGIC TR	808524870	+109,181	+$2.9M	+$388,685
ADD	VANGUARD INSTL INDEX FD	922040845	+35,317	+$2.7M	+$2,185
EXITED	PLANET LABS PBC	72703X106	-400,000	-$2.4M	$0
ADD	DIMENSIONAL ETF TRUST	25434V658	+78,125	+$2.1M	+$269,139
ADD	AMERICAN CENTY ETF TR	025072349	+26,476	+$1.9M	+$1.7M

Filing History

Nov 12, 202513F HOLDINGS REPORTQ/E Sep 2025180 pos · $1.21B
Jul 25, 202513F HOLDINGS REPORTQ/E Jun 2025149 pos · $879.2M
Jul 25, 202513F HOLDINGS REPORTQ/E Jun 2025153 pos · $855.3M
Jul 25, 202513F HOLDINGS REPORTQ/E Jun 2025149 pos · $879.2M
Jul 17, 202513F HOLDINGS REPORTQ/E Jun 2025167 pos · $1.11B
Jul 17, 202513F HOLDINGS REPORTQ/E Jun 2025155 pos · $1.03B
Feb 14, 202513F HOLDINGS REPORTQ/E Dec 2024153 pos · $980.9M
Apr 1, 202413F HOLDINGS REPORTQ/E Mar 2024145 pos · $797.8M
Nov 20, 202313F HOLDINGS REPORTQ/E Dec 2023131 pos · $671.6M

Top 20 Holdings — Sep 2025

#	Issuer	Ticker	Shares	Value	% of Portfolio
1	DIMENSIONAL ETF TRUST	25434V609	2,153,099	$125.3M	11.09%
2	VANGUARD BD INDEX FDS	921937827	1,503,962	$118.7M	10.50%
3	SPDR SERIES TRUST	78464A649	3,934,831	$101.7M	9.00%
4	DIMENSIONAL ETF TRUST	25434V401	819,697	$59.4M	5.25%
5	DIMENSIONAL ETF TRUST	25434V724	1,080,534	$48.3M	4.27%
6	DIMENSIONAL ETF TRUST	25434V203	1,320,407	$48.0M	4.25%
7	ISHARES TR	464288158	421,947	$45.1M	3.99%
8	SCHWAB STRATEGIC TR	808524870	1,548,759	$41.7M	3.69%
9	VANGUARD BD INDEX FDS	921937819	489,501	$38.2M	3.38%
10	VANGUARD MUN BD FDS	922907746	679,977	$34.0M	3.01%
11	DIMENSIONAL ETF TRUST	25434V807	732,358	$33.8M	2.99%
12	SPDR SERIES TRUST	78464A474	1,107,756	$33.6M	2.97%
13	AMERICAN CENTY ETF TR	025072349	444,586	$32.1M	2.84%
14	DIMENSIONAL ETF TRUST	25434V732	962,189	$30.9M	2.73%
15	AMERICAN CENTY ETF TR	025072802	299,193	$26.6M	2.36%
16	SPDR SERIES TRUST	78464A375	699,809	$23.7M	2.10%
17	SPDR SERIES TRUST	78468R101	745,398	$21.9M	1.93%
18	DIMENSIONAL ETF TRUST	25434V658	638,861	$17.4M	1.54%
19	SPDR SERIES TRUST	78464A672	593,737	$17.2M	1.52%
20	DIMENSIONAL ETF TRUST	25434V104	365,649	$16.7M	1.48%