WC
Willow Creek Wealth Management Inc. Historical SEC 13F Holdings & Archive (Q3 2025)
Willow Creek Wealth Management Inc.CIK: 0001632407
Diversified strategyMomentum followerHigh-turnover trader
Total reported value
$1.2B
Reporting period: 2025-09-30 · Number of holdings: 180
Willow Creek Wealth Management Inc. disclosed 180 holdings in its latest 13F filing for the period ending 2025-09-30, with total reported value of $1.2B and a quarterly turnover rate of 84.5%.
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Personality snowflake
- Concentration
- 17.32
- Portfolio Stability
- 84.54
- Momentum
- 100
- Sector conviction
- 90.57
- Diversification
- 100
- Sizing Uniformity
- 73.86
Willow Creek Wealth Management Inc.'s disclosed holdings carry a Herfindahl concentration index of 0.043 — mathematically equivalent to about 23 equally-sized positions, well below its 180 actual disclosed holdings. That gap points to a strategy built around a small core of high-conviction bets rather than broad diversification.
Position sizes vary widely across the portfolio (a coefficient of variation of 2.61), with a handful of outsized bets alongside many smaller positions.
No strong tilt toward either adding to existing winners or initiating outsized new positions was observed in the latest reported quarter.
Sector classification currently covers about 6% of this portfolio's disclosed value; the remainder includes holdings (e.g. unmapped tickers, options, or other security types) not yet covered by our sector mapping.
Source and citation information
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Recent moves
View source Form 13F filing on SEC.govTrim SPAB
+6.5% $20.5M
Trim BSV
+6.4% $71.0M
Add DFAI
+9.5% $47.5M
Trim SPTS
+2.7% $7.8M
Trim SPSB
+3.5% $18.5M
Add VTEB
+0.7% $33.7M
Holdings Map
New buyAddUnchangedTrim
Top 10 holdings by weight
Full holdings list this quarter
| # | Ticker | Issuer | Asset Subclass | Weight | Weight Change | Shares Change | 4Q Trend |
|---|---|---|---|---|---|---|---|
| 1 | DFAT | Dimensional US Target Value | ETF-Other | 10.32% | +10.32% | NEW | |
| 2 | BSV | Vanguard Short-term Bond ETF | ETF-Other | 9.77% | -7.75% | +6.35% | |
| 3 | SPAB | Ss Spdr P Agg Bond ETF | ETF-Other | 8.38% | -21.47% | +6.49% | |
| 4 | DFUS | Dimensional US Eq Mkt ETF | ETF-Other | 4.89% | +4.89% | NEW | |
| 5 | DFUV | Dimensional US Marketwide Va | ETF-Other | 3.98% | +3.98% | NEW | |
| 6 | DFAI | Dimensional International Co | ETF-Other | 3.95% | +3.79% | +9.47% | |
| 7 | SUB | Ishares Short-term National | ETF-Other | 3.71% | +3.71% | NEW | |
| 8 | SCHP | Schwab U.s. Tips ETF | ETF-Other | 3.44% | +1.75% | +7.58% | |
| 9 | BIV | Vanguard Intermediate-term B | ETF-Other | 3.15% | +1.58% | +2.16% | |
| 10 | VTEB | Vanguard Tax-exempt Bond ETF | ETF-Other | 2.80% | +2.68% | +0.70% | |
| 11 | DFIV | Dimensional International Va | ETF-Other | 2.78% | +2.78% | NEW | |
| 12 | SPSB | Ss Spdr P St C CORP ETF | ETF-Other | 2.76% | -2.77% | +3.48% | |
| 13 | AVLV | Avantis US Large Cap Value | ETF-Large Cap & Growth | 2.65% | +2.65% | NEW | |
| 14 | DFEM | Dimensional Emrg Mrkt Core | ETF-Other | 2.54% | +2.54% | NEW | |
| 15 | AVDV | Avantis Intl S/c Value ETF | ETF-Other | 2.19% | +2.19% | NEW | |
| 16 | SPIB | Ss Spdr P Int C CORP ETF | ETF-Other | 1.95% | +0.36% | +3.49% | |
| 17 | SPTS | Ss Spdr P St Term Tsy ETF | ETF-Other | 1.80% | -3.35% | +2.69% | |
| 18 | DFGR | Dim Global Real Estate ETF | ETF-Other | 1.44% | +1.44% | NEW | |
| 19 | SPTI | Ss Spdr P Int Term Tsy ETF | ETF-Other | 1.41% | -0.32% | +2.82% | |
| 20 | DFAU | Dimensional US Core Equity M | ETF-Other | 1.38% | +1.22% | -0.63% | |
| 21 | SPIP | Ss Spdr P Tips ETF | ETF-Other | 1.34% | — | +1.81% | |
| 22 | AVSD | Avantis Reps Intern Equi ETF | ETF-Other | 1.28% | +1.28% | NEW | |
| 23 | AAPL | Apple Inc | Stock-Tech | 1.27% | -1.53% | +0.05% | |
| 24 | COST | Costco Wholesale CORP | Stock-Consumer Staples | 1.23% | -1.07% | +0.47% | |
| 25 | AVUV | Avantis US Small Cap Value | ETF-Small Cap | 1.20% | +1.20% | NEW | |
| 26 | DFSU | Dimensional US Sus Core1 ETF | ETF-Other | 1.14% | +1.14% | NEW | |
| 27 | DFSI | Dimensional Int Sus Cor1 ETF | ETF-Other | 0.87% | +0.87% | NEW | |
| 28 | DFAX | Dimensional World Ex US Core | ETF-Other | 0.77% | +0.77% | NEW | |
| 29 | DFAR | Dimensional US Real Est ETF | ETF-Other | 0.77% | +0.77% | NEW | |
| 30 | AVSE | Avantis Resp Emerg Mkts Eq-e | ETF-Other | 0.72% | +0.72% | NEW | |
| 31 | CSCO | Cisco Systems Inc | Stock-Tech | 0.61% | -1.35% | +0.06% | |
| 32 | DFAC | Dimensional US Core Equity 2 | ETF-Other | 0.57% | +0.57% | NEW | |
| 33 | DFSE | Dimensional Em Sus Core1 ETF | ETF-Other | 0.56% | +0.56% | NEW | |
| 34 | VNQ | Vanguard Real Estate ETF | ETF-Other | 0.56% | -0.54% | +3.12% | |
| 35 | AVSU | Avantis Resp US Equity ETF | ETF-Other | 0.55% | +0.55% | NEW | |
| 36 | DFAE | Dimensional Emerging Core Eq | ETF-Emerging Markets | 0.51% | +0.51% | NEW | |
| 37 | VBIL | Vanguard 0-3m T-bill ETF | ETF-Other | 0.43% | +0.43% | NEW | |
| 38 | VGSR | Vert Glb Sust Re ETF | ETF-Other | 0.42% | +0.42% | NEW | |
| 39 | ESML | Ishares Esg Aware Msci USA S | ETF-Other | 0.41% | +0.20% | -0.18% | |
| 40 | DISV | Dimensional International Sm | ETF-Other | 0.36% | +0.36% | NEW | |
| 41 | VOO | Vanguard S&p 500 ETF | ETF-Large Cap & Growth | 0.26% | +0.26% | NEW | |
| 42 | GOOG | Alphabet Inc-cl C | Stock-Comm Services | 0.26% | -0.12% | -0.15% | |
| 43 | GOOGL | Alphabet Inc-cl A | Stock-Comm Services | 0.25% | — | +0.02% | |
| 44 | DFIC | Dimensional International Co | ETF-Other | 0.24% | +0.24% | NEW | |
| 45 | IJH | Ishares Core S&p Midcap ETF | ETF-Other | 0.23% | -0.04% | +0.03% | |
| 46 | WRB | Wr Berkley CORP | Stock-Financials | 0.21% | — | — | |
| 47 | INTU | Intuit Inc | Stock-Tech | 0.20% | — | — | |
| 48 | MSFT | Microsoft CORP | Stock-Tech | 0.20% | -0.04% | +11.24% | |
| 49 | DFAS | Dimensional US Small Cap ETF | ETF-Small Cap | 0.20% | +0.20% | NEW | |
| 50 | IVV | Ishares Core S&p 500 ETF | ETF-Large Cap & Growth | 0.18% | — | +5.18% |
1–50 of 180
Portfolio Performance
Performance for Q3 2026
+2%
Performance Last 4 Quarters
+15.2%
- Stdev
- +8.3%
- Beta
- +0.54
- Alpha
- +1.3%
- Max Drawdown
- -3.8%
- Annualized Perf
- +12.5%
- Batting Avg vs S&P
- +41.7%
- Sortino
- +2.87
- Stutzer
- +0.43
- Treynor
- +0.22
- Sterling
- +0.94
- Calmar
- +3.3
- Information Ratio
- -1.06
- Tracking Error
- +7.4%
- Stdev Down
- +4.2%
- Winning Months %
- +75%
- Losing Months %
- +25%
- Best 12 Months
- +20.8%
- Worst 12 Months
- +5%
- Efficiency Ratio
- +0.56
- Sharpe
- +1.47
- Stdev Sectors
- +14.9%
- Skewness
- -0.15
- Kurtosis
- -0.44
- Upside Potential
- +4.43
Reported value over time
Sector allocation
Sector allocation over time
Quarterly history
| Period | Holdings | Total value | Stability | Top holdings | |
|---|---|---|---|---|---|
| 2025 Q3 | 180 | $1.2B | 85 | ||
| 2025 Q2 | 167 | $1.1B | 0 | ||
| 2025 Q1 | 155 | $1.0B | 0 | ||
| 2024 Q4 | 153 | $980.9M | 0 | ||
| 2024 Q3 | 155 | $951.3M | 0 | ||
| 2024 Q2 | 149 | $879.2M | 0 | ||
| 2024 Q1 | 153 | $855.3M | 0 | ||
| 2023 Q4 | 145 | $797.8M | 0 | ||
| 2023 Q3 | 131 | $671.6M | 0 | ||
| 2023 Q2 | 145 | $705.9M | 0 | ||
| 2023 Q1 | 132 | $648.3M | 0 | ||
| 2022 Q4 | 131 | $602.3M | 0 | ||
| 2022 Q3 | 118 | $515.3M | 0 | ||
| 2022 Q2 | 123 | $539.1M | 0 | ||
| 2022 Q1 | 118 | $497.5M | 0 | ||
| 2021 Q4 | 122 | $483.7M | 0 | ||
| 2021 Q3 | 114 | $451.3M | 0 | ||
| 2021 Q2 | 112 | $419.0M | 0 | ||
| 2021 Q1 | 94 | $272.2M | 14 | ||
| 2020 Q4 | 89 | $265.6M | 24 | ||
| 2020 Q3 | 85 | $242.5M | 51 | ||
| 2020 Q2 | 78 | $222.8M | 15 | ||
| 2020 Q1 | 65 | $198.7M | 16 | ||
| 2019 Q4 | 82 | $219.1M | 7 | ||
| 2019 Q3 | 85 | $215.7M | 6 | ||
| 2019 Q2 | 82 | $208.7M | 10 | ||
| 2019 Q1 | 72 | $198.3M | 8 | ||
| 2018 Q4 | 66 | $188.1M | 32 | ||
| 2018 Q3 | 72 | $179.3M | 9 | ||
| 2018 Q2 | 69 | $177.8M | 14 | ||
| 2018 Q1 | 69 | $186.7M | 27 | ||
| 2017 Q4 | 20 | $151.6M | 17 | ||
| 2017 Q3 | 19 | $153.2M | 4 | ||
| 2017 Q2 | 20 | $148.6M | 3 | ||
| 2017 Q1 | 20 | $144.9M | 7 | ||
| 2016 Q4 | 20 | $135.6M | 8 | ||
| 2016 Q3 | 18 | $127.0M | 6 | ||
| 2016 Q2 | 20 | $123.0M | 14 | ||
| 2016 Q1 | 17 | $110.4M | 7 | ||
| 2015 Q4 | 18 | $111.0M | 6 | ||
| 2015 Q3 | 17 | $108.4M | 4 | ||
| 2015 Q2 | 16 | $107.4M | 4 | ||
| 2015 Q1 | 14 | $106.5M | 5 | ||
| 2014 Q4 | 15 | $102.2M | 0 |
Holding changes this quarter
Willow Creek Wealth Management Inc.'s most significant position changes for 2025-09-30: New buy: Dimensional US Target Value (DFAT); New buy: Dimensional US Eq Mkt ETF (DFUS); New buy: Dimensional US Marketwide Va (DFUV); New buy: Ishares Short-term National (SUB); New buy: Dimensional International Va (DFIV).
* This report is exclusively curated by the AlphaSMO team. AlphaSMO is the web's most authoritative 13F / Inside Trader database, delivering precise insider trading and institutional holdings insights.
Filing History
FAQ
What is Willow Creek Wealth Management Inc. and what type of investor is it?
Willow Creek Wealth Management Inc. is an investment manager that files SEC Form 13F quarterly, disclosing its U.S. public equity holdings to regulators. As of the most recent reporting period (2025-09-30), the firm manages a tracked equity portfolio valued at approximately $1.2B, spread across 180 disclosed positions.
What are Willow Creek Wealth Management Inc.'s largest equity positions?
Based on the latest 13F filing, Willow Creek Wealth Management Inc.'s top holdings by market value are:
1. Dimensional US Target Value (DFAT) — $125.3M (10.3%)
2. Vanguard Short-term Bond ETF (BSV) — $118.7M (9.8%)
3. Ss Spdr P Agg Bond ETF (SPAB) — $101.7M (8.4%)
4. Dimensional US Eq Mkt ETF (DFUS) — $59.4M (4.9%)
5. Dimensional US Marketwide Va (DFUV) — $48.3M (4.0%)
What changes did Willow Creek Wealth Management Inc. make in its most recent portfolio filing?
In the latest reported quarter, Willow Creek Wealth Management Inc. made 50 notable position adjustments: 27 new positions were initiated, 18 existing holdings were added to, 3 positions were partially reduced, and 2 were completely exited. The largest of these moves: New buy: Dimensional US Target Value (DFAT); New buy: Dimensional US Eq Mkt ETF (DFUS); New buy: Dimensional US Marketwide Va (DFUV); New buy: Ishares Short-term National (SUB); New buy: Dimensional International Va (DFIV)
What sectors does Willow Creek Wealth Management Inc. focus on?
Willow Creek Wealth Management Inc. is concentrated in the following sectors based on its current disclosed equity portfolio:
• Information Technology: 47.7%
• Consumer Staples: 23.2%
• Communication Services: 10.3%
• Financials: 7.1%
• Health Care: 6.1%
• Consumer Discretionary: 2.6%
Investment Profile
Willow Creek Wealth Management Inc. returned an annualized 12.5% over the trailing 36 months — outperforming the S&P 500 by 1.3 points — based on a reconstructed track record of its disclosed 13F positions, with a beta of 0.54 (less volatile than the market) and a 42% quarterly batting average against the index.
Its portfolio is broadly diversified and fast-trading, with 47.7% of the portfolio concentrated in Information Technology.
Its turnover score has risen from 0 to 85 over the past 4 quarters — a shift toward more active trading.
It has added to its DFAT position over the past two quarters (+$20.8M, now $125.3M), while trimming SGOV over the same stretch (-$912.1K, still holding $1.6M).
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