WC

Willow Creek Wealth Management Inc.

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%.

Personality snowflake

Concentration
17.32
Portfolio Stability
84.54
Momentum/Contrarian
100
Sector conviction
90.57
Diversification
100
Sizing Uniformity
73.86

Recent moves

  • Trim 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

#TickerIssuerAsset SubclassWeightWeight ChangeShares Change4Q Trend
1DFATDimensional US Target ValueETF-Other10.32%+10.32%NEW
2BSVVanguard Short-term Bond ETFETF-Other9.77%-7.75%+6.35%
3SPABSs Spdr P Agg Bond ETFETF-Other8.38%-21.47%+6.49%
4DFUSDimensional US Eq Mkt ETFETF-Other4.89%+4.89%NEW
5DFUVDimensional US Marketwide VaETF-Other3.98%+3.98%NEW
6DFAIDimensional International CoETF-Other3.95%+3.79%+9.47%
7SUBIshares Short-term NationalETF-Other3.71%+3.71%NEW
8SCHPSchwab U.s. Tips ETFETF-Other3.44%+1.75%+7.58%
9BIVVanguard Intermediate-term BETF-Other3.15%+1.58%+2.16%
10VTEBVanguard Tax-exempt Bond ETFETF-Other2.80%+2.68%+0.70%
11DFIVDimensional International VaETF-Other2.78%+2.78%NEW
12SPSBSs Spdr P St C CORP ETFETF-Other2.76%-2.77%+3.48%
13AVLVAvantis US Large Cap ValueETF-Large Cap & Growth2.65%+2.65%NEW
14DFEMDimensional Emrg Mrkt CoreETF-Other2.54%+2.54%NEW
15AVDVAvantis Intl S/c Value ETFETF-Other2.19%+2.19%NEW
16SPIBSs Spdr P Int C CORP ETFETF-Other1.95%+0.36%+3.49%
17SPTSSs Spdr P St Term Tsy ETFETF-Other1.80%-3.35%+2.69%
18DFGRDim Global Real Estate ETFETF-Other1.44%+1.44%NEW
19SPTISs Spdr P Int Term Tsy ETFETF-Other1.41%-0.32%+2.82%
20DFAUDimensional US Core Equity METF-Other1.38%+1.22%-0.63%
21SPIPSs Spdr P Tips ETFETF-Other1.34%—+1.81%
22AVSDAvantis Reps Intern Equi ETFETF-Other1.28%+1.28%NEW
23AAPLApple INCStock-Tech1.27%-1.53%+0.05%
24COSTCostco Wholesale CORPStock-Consumer Staples1.23%-1.07%+0.47%
25AVUVAvantis US Small Cap ValueETF-Small Cap1.20%+1.20%NEW
26DFSUDimensional US Sus Core1 ETFETF-Other1.14%+1.14%NEW
27DFSIDimensional Int Sus Cor1 ETFETF-Other0.87%+0.87%NEW
28DFAXDimensional World Ex US CoreETF-Other0.77%+0.77%NEW
29DFARDimensional US Real Est ETFETF-Other0.77%+0.77%NEW
30AVSEAvantis Resp Emerg Mkts Eq-eETF-Other0.72%+0.72%NEW
31CSCOCisco Systems INCStock-Tech0.61%-1.35%+0.06%
32DFACDimensional US Core Equity 2ETF-Other0.57%+0.57%NEW
33DFSEDimensional Em Sus Core1 ETFETF-Other0.56%+0.56%NEW
34VNQVanguard Real Estate ETFETF-Other0.56%-0.54%+3.12%
35AVSUAvantis Resp US Equity ETFETF-Other0.55%+0.55%NEW
36DFAEDimensional Emerging Core EqETF-Emerging Markets0.51%+0.51%NEW
37VBILVanguard 0-3m T-bill ETFETF-Other0.43%+0.43%NEW
38VGSRVert Glb Sust Re ETFETF-Other0.42%+0.42%NEW
39ESMLIshares Esg Aware Msci USA SETF-Other0.41%+0.20%-0.18%
40DISVDimensional International SmETF-Other0.36%+0.36%NEW
41VOOVanguard S&p 500 ETFETF-Large Cap & Growth0.26%+0.26%NEW
42GOOGAlphabet Inc-cl CStock-Comm Services0.26%-0.12%-0.15%
43GOOGLAlphabet Inc-cl AStock-Comm Services0.25%—+0.02%
44DFICDimensional International CoETF-Other0.24%+0.24%NEW
45IJHIshares Core S&p Midcap ETFETF-Other0.23%-0.04%+0.03%
46WRBWr Berkley CORPStock-Financials0.21%——
47INTUIntuit INCStock-Tech0.20%——
48MSFTMicrosoft CORPStock-Tech0.20%-0.04%+11.24%
49DFASDimensional US Small Cap ETFETF-Small Cap0.20%+0.20%NEW
50IVVIshares Core S&p 500 ETFETF-Large Cap & Growth0.18%—+5.18%
1–50 of 180

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).

Position changes disclosed by Willow Creek Wealth Management Inc. for the quarter ending 2025-09-30, including ticker, issuer, weight change, shares change, and action
#TickerIssuerWeight ChangeShares ChangeAction
1DFAIDimensional International Co+3.8%+9.47%Add
2VTEBVanguard Tax-exempt Bond ETF+2.7%+0.70%Add
3SCHPSchwab U.s. Tips ETF+1.8%+7.58%Add
4BIVVanguard Intermediate-term B+1.6%+2.16%Add
5DFAUDimensional US Core Equity M+1.2%-0.63%Add
6SPIBSs Spdr P Int C CORP ETF+0.4%+3.49%Add
7ESMLIshares Esg Aware Msci USA S+0.2%-0.18%Add
8VTIVanguard Total Stock Mkt ETF+0.1%+49.40%Add
9IJHIshares Core S&p Midcap ETF0%+0.03%Add
10MSFTMicrosoft CORP0%+11.24%Add
11GOOGAlphabet Inc-cl C-0.1%-0.15%Add
12SPTISs Spdr P Int Term Tsy ETF-0.3%+2.82%Add
13VNQVanguard Real Estate ETF-0.5%+3.12%Add
14TIPIshares Tips Bond ETF-1%-0.60%Trim
15COSTCostco Wholesale CORP-1.1%+0.47%Trim
16CSCOCisco Systems INC-1.4%+0.06%Add
17AAPLApple INC-1.5%+0.05%Trim
18SPSBSs Spdr P St C CORP ETF-2.8%+3.48%Add
19SPTSSs Spdr P St Term Tsy ETF-3.4%+2.69%Add
20BSVVanguard Short-term Bond ETF-7.8%+6.35%Add
21SPABSs Spdr P Agg Bond ETF-21.5%+6.49%Add
22DFATDimensional US Target Value—NEWNew buy
23DFUSDimensional US Eq Mkt ETF—NEWNew buy
24DFUVDimensional US Marketwide Va—NEWNew buy
25SUBIshares Short-term National—NEWNew buy
26DFIVDimensional International Va—NEWNew buy
27AVLVAvantis US Large Cap Value—NEWNew buy
28DFEMDimensional Emrg Mrkt Core—NEWNew buy
29AVDVAvantis Intl S/c Value ETF—NEWNew buy
30DFGRDim Global Real Estate ETF—NEWNew buy
31AVSDAvantis Reps Intern Equi ETF—NEWNew buy
32AVUVAvantis US Small Cap Value—NEWNew buy
33DFSUDimensional US Sus Core1 ETF—NEWNew buy
34DFSIDimensional Int Sus Cor1 ETF—NEWNew buy
35DFAXDimensional World Ex US Core—NEWNew buy
36DFARDimensional US Real Est ETF—NEWNew buy
37AVSEAvantis Resp Emerg Mkts Eq-e—NEWNew buy
38DFACDimensional US Core Equity 2—NEWNew buy
39DFSEDimensional Em Sus Core1 ETF—NEWNew buy
40FSLYFastly INC - Class A—EXITSold out
41AVSUAvantis Resp US Equity ETF—NEWNew buy
42DFAEDimensional Emerging Core Eq—NEWNew buy
43BALLBall CORP—EXITSold out
44VBILVanguard 0-3m T-bill ETF—NEWNew buy
45VGSRVert Glb Sust Re ETF—NEWNew buy
46DISVDimensional International Sm—NEWNew buy
47VOOVanguard S&p 500 ETF—NEWNew buy
48DFICDimensional International Co—NEWNew buy
49DFASDimensional US Small Cap ETF—NEWNew buy
50BNDVanguard Total Bond Market—NEWNew buy

FAQ

What is Willow Creek Wealth Management Inc. and what type of investor is it?
Willow Creek Wealth Management Inc. is a 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%