Willow Creek Wealth Management Inc. 13F Filing History & Holdings

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/Contrarian: 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.

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

#	Ticker	Issuer	Asset Subclass	Weight	Weight Change	Shares Change
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

+1.9%

Performance Last 4 Quarters

+13.4%

Based on 70% of reported portfolio value with available pricing

Stdev: +6.8%
Beta: +0.45
Alpha: +1.6%
Max Drawdown: -4.3%
Annualized Perf: +10.2%
Batting Avg vs S&P: +47.2%
Sortino: +2.92
Stutzer: +0.43
Treynor: +0.22
Sterling: +0.77
Calmar: +2.37
Information Ratio: -1.08
Tracking Error: +7.9%
Stdev Down: +3.4%
Winning Months %: +69.4%
Losing Months %: +30.6%
Best 12 Months: +16.9%
Worst 12 Months: +6.4%
Efficiency Ratio: +0.54
Sharpe: +1.47
Stdev Sectors: +14.9%
Skewness: -0.1
Kurtosis: -0.39
Upside Potential: +4.52

Reported value over time

Sector allocation

Sector allocation over time

Quarterly history

Period	Holdings	Total value	Stability	Top holdings
2025-09-30	180	$1.2B	85	1DFAT 2BSV 3SPAB Top holdings2025-09-30 1.DFAT 2.BSV 3.SPAB 4.DFUS 5.DFUV 6.DFAI 7.SUB 8.SCHP 9.BIV 10.VTEB
2025-06-30	167	$1.1B	0	1DFAT 2BSV 3SPAB Top holdings2025-06-30 1.DFAT 2.BSV 3.SPAB 4.DFUS 5.DFUV 6.DFAI 7.SUB 8.SCHP 9.BIV 10.VTEB
2025-03-31	155	$1.0B	0	1BSV 2DFAT 3SPAB Top holdings2025-03-31 1.BSV 2.DFAT 3.SPAB 4.DFUV 5.DFUS 6.VTEB 7.SUB 8.BIV 9.SCHP 10.DFAI
2024-12-31	153	$980.9M	0	1DFAT 2BSV 3SPAB Top holdings2024-12-31 1.DFAT 2.BSV 3.SPAB 4.DFUS 5.DFUV 6.VTEB 7.SUB 8.BIV 9.SPSB 10.SCHP
2024-09-30	155	$951.3M	0	1DFAT 2BSV 3SPAB Top holdings2024-09-30 1.DFAT 2.BSV 3.SPAB 4.DFUV 5.DFUS 6.SUB 7.BIV 8.VTEB 9.SPSB 10.DFIV
2024-06-30	149	$879.2M	0	1DFAT 2BSV 3SPAB Top holdings2024-06-30 1.DFAT 2.BSV 3.SPAB 4.DFUV 5.DFUS 6.SUB 7.VTEB 8.BIV 9.SPSB 10.DFIV
2024-03-31	153	$855.3M	0	1DFAT 2BSV 3SPAB Top holdings2024-03-31 1.DFAT 2.BSV 3.SPAB 4.DFUV 5.DFUS 6.SUB 7.VTEB 8.BIV 9.SPSB 10.DFIV
2023-12-31	145	$797.8M	0	1DFAT 2SPAB 3BSV Top holdings2023-12-31 1.DFAT 2.SPAB 3.BSV 4.DFUV 5.SUB 6.VTEB 7.DFUS 8.BIV 9.SPSB 10.DFIV
2023-09-30	131	$671.6M	0	1DFAT 2BSV 3SPAB Top holdings2023-09-30 1.DFAT 2.BSV 3.SPAB 4.VTEB 5.DFUV 6.SUB 7.DFIV 8.BIV 9.SPSB 10.DFUS
2023-06-30	145	$705.9M	0	1SPAB 2DFAT 3BSV Top holdings2023-06-30 1.SPAB 2.DFAT 3.BSV 4.VTEB 5.DFUV 6.SUB 7.COST 8.DFIV 9.BIV 10.DFUS
2023-03-31	132	$648.3M	0	1SPAB 2DFAT 3BSV Top holdings2023-03-31 1.SPAB 2.DFAT 3.BSV 4.VTEB 5.DFUV 6.SUB 7.DFIV 8.SPSB 9.DFUS 10.BIV
2022-12-31	131	$602.3M	0	1SPAB 2BSV 3DFAT Top holdings2022-12-31 1.SPAB 2.BSV 3.DFAT 4.VTEB 5.DFUV 6.SUB 7.DFIV 8.SPSB 9.BIV 10.DFUS
2022-09-30	118	$515.3M	0	1SPAB 2BSV 3DFAT Top holdings2022-09-30 1.SPAB 2.BSV 3.DFAT 4.DFUV 5.COST 6.VTEB 7.SPSB 8.DFIV 9.SPTS 10.DFUS
2022-06-30	123	$539.1M	0	1SPAB 2BSV 3DFAT Top holdings2022-06-30 1.SPAB 2.BSV 3.DFAT 4.DFUV 5.COST 6.AAPL 7.DFIV 8.SPSB 9.SPTS 10.SPIP
2022-03-31	118	$497.5M	0	1SPAB 2DFAT 3BSV Top holdings2022-03-31 1.SPAB 2.DFAT 3.BSV 4.AAPL 5.DFIV 6.SPSB 7.SPTS 8.SPIP 9.RHI 10.DFUS
2021-12-31	122	$483.7M	0	1SPAB 2DFAT 3BSV Top holdings2021-12-31 1.SPAB 2.DFAT 3.BSV 4.AAPL 5.DFIV 6.SPTS 7.SPSB 8.SPIP 9.RHI 10.COST
2021-09-30	114	$451.3M	0	1SPAB 2DFAT 3BSV Top holdings2021-09-30 1.SPAB 2.DFAT 3.BSV 4.AAPL 5.DFIV 6.SPSB 7.SPTS 8.SPIP 9.RHI 10.DFUS
2021-06-30	112	$419.0M	0	1SPAB 2DFAT 3BSV Top holdings2021-06-30 1.SPAB 2.DFAT 3.BSV 4.AAPL 5.SPSB 6.SPIP 7.SPTS 8.RHI 9.FSLY 10.DFUS
2021-03-31	94	$272.2M	14	1SPAB 2BSV 3SPSB Top holdings2021-03-31 1.SPAB 2.BSV 3.SPSB 4.SPIP 5.SPTS 6.AAPL 7.FSLY 8.COST 9.BALL 10.CSCO
2020-12-31	89	$265.6M	24	1SPAB 2BSV 3FSLY Top holdings2020-12-31 1.SPAB 2.BSV 3.FSLY 4.SPIP 5.SPSB 6.SPTS 7.AAPL 8.COST 9.BALL 10.SPTI
2020-09-30	85	$242.5M	51	1SPAB 2BSV 3FSLY Top holdings2020-09-30 1.SPAB 2.BSV 3.FSLY 4.SPIP 5.SPTI 6.SPIB 7.SPSB 8.SPTS 9.AAPL 10.BALL
2020-06-30	78	$222.8M	15	1BIV 2BSV 3FSLY Top holdings2020-06-30 1.BIV 2.BSV 3.FSLY 4.SPIP 5.SPTI 6.SPIB 7.SPSB 8.SPTS 9.BALL 10.SPAB
2020-03-31	65	$198.7M	16	1BIV 2BSV 3SPIP Top holdings2020-03-31 1.BIV 2.BSV 3.SPIP 4.SPTI 5.SPSB 6.SPTS 7.SPIB 8.FSLY 9.BALL 10.SPAB
2019-12-31	82	$219.1M	7	1BIV 2BSV 3SPIP Top holdings2019-12-31 1.BIV 2.BSV 3.SPIP 4.SPTI 5.SPIB 6.SPTS 7.SPSB 8.BIL 9.SPAB 10.BALL
2019-09-30	85	$215.7M	6	1BIV 2BSV 3SPIP Top holdings2019-09-30 1.BIV 2.BSV 3.SPIP 4.SPTI 5.SPIB 6.SPTS 7.SPSB 8.BALL 9.SPAB 10.VNQ
2019-06-30	82	$208.7M	10	1BIV 2BSV 3SPIP Top holdings2019-06-30 1.BIV 2.BSV 3.SPIP 4.SPTI 5.SPIB 6.SPTS 7.SPSB 8.BALL 9.SPAB 10.VNQ
2019-03-31	72	$198.3M	8	1BIV 2BSV 3SPIP Top holdings2019-03-31 1.BIV 2.BSV 3.SPIP 4.SPTI 5.SPIB 6.SPTS 7.SPSB 8.BIL 9.SPAB 10.VNQ
2018-12-31	66	$188.1M	32	1BIV 2BSV 3SPIP Top holdings2018-12-31 1.BIV 2.BSV 3.SPIP 4.SPTI 5.SPIB 6.SPTS 7.SPSB 8.BIL 9.SPAB 10.VNQ
2018-09-30	72	$179.3M	9	1BIV 2BSV 3SPAB Top holdings2018-09-30 1.BIV 2.BSV 3.SPAB 4.SPIP 5.TIP 6.VNQ 7.BALL 8.AAPL 9.EXPO 10.IVV
2018-06-30	69	$177.8M	14	1BIV 2BSV 3SPAB Top holdings2018-06-30 1.BIV 2.BSV 3.SPAB 4.SPIP 5.TIP 6.VNQ 7.BIL 8.BALL 9.AAPL 10.IVV
2018-03-31	69	$186.7M	27	1BIV 2BSV 3COST Top holdings2018-03-31 1.BIV 2.BSV 3.COST 4.SPAB 5.SPIP 6.TIP 7.VNQ 8.BALL 9.AAPL 10.BIL
2017-12-31	20	$151.6M	17	1BIV 2BSV 3COST Top holdings2017-12-31 1.BIV 2.BSV 3.COST 4.SPIP 5.TIP 6.BND 7.BALL 8.AAPL 9.VNQ 10.JNJ
2017-09-30	19	$153.2M	4	1BIV 2BSV 3TIP Top holdings2017-09-30 1.BIV 2.BSV 3.TIP 4.COST 5.BND 6.BALL 7.AAPL 8.VNQ 9.JNJ 10.NWL
2017-06-30	20	$148.6M	3	1BIV 2BSV 3TIP Top holdings2017-06-30 1.BIV 2.BSV 3.TIP 4.COST 5.BND 6.BALL 7.AAPL 8.VNQ 9.NWL 10.JNJ
2017-03-31	20	$144.9M	7	1BIV 2BSV 3TIP Top holdings2017-03-31 1.BIV 2.BSV 3.TIP 4.COST 5.BND 6.BALL 7.VNQ 8.AAPL 9.JNJ 10.NWL
2016-12-31	20	$135.6M	8	1BIV 2BSV 3TIP Top holdings2016-12-31 1.BIV 2.BSV 3.TIP 4.COST 5.BND 6.BALL 7.VNQ 8.AAPL 9.NWL 10.JNJ
2016-09-30	18	$127.0M	6	1BIV 2BSV 3TIP Top holdings2016-09-30 1.BIV 2.BSV 3.TIP 4.COST 5.BALL 6.VNQ 7.NWL 8.AAPL 9.JNJ 10.EXPO
2016-06-30	20	$123.0M	14	1BIV 2BSV 3TIP Top holdings2016-06-30 1.BIV 2.BSV 3.TIP 4.COST 5.BALL 6.VNQ 7.NWL 8.JNJ 9.AAPL 10.EXPO
2016-03-31	17	$110.4M	7	1BIV 2BSV 3TIP Top holdings2016-03-31 1.BIV 2.BSV 3.TIP 4.COST 5.BALL 6.JAHEUR 7.VNQ 8.AAPL 9.EXPO 10.XRAY
2015-12-31	18	$111.0M	6	1BIV 2BSV 3TIP Top holdings2015-12-31 1.BIV 2.BSV 3.TIP 4.COST 5.BALL 6.JAHEUR 7.AAPL 8.VNQ 9.EXPO 10.BND
2015-09-30	17	$108.4M	4	1BIV 2BSV 3TIP Top holdings2015-09-30 1.BIV 2.BSV 3.TIP 4.COST 5.BALL 6.JAHEUR 7.AAPL 8.VNQ 9.EXPO 10.XRAY
2015-06-30	16	$107.4M	4	1BIV 2BSV 3TIP Top holdings2015-06-30 1.BIV 2.BSV 3.TIP 4.COST 5.BALL 6.AAPL 7.JAHEUR 8.EXPO 9.VNQ 10.EFA
2015-03-31	14	$106.5M	5	1BIV 2BSV 3TIP Top holdings2015-03-31 1.BIV 2.BSV 3.TIP 4.COST 5.BALL 6.AAPL 7.JAHEUR 8.EFA 9.XRAY 10.CSCO
2014-12-31	15	$102.2M	0	1BIV 2BSV 3TIP Top holdings2014-12-31 1.BIV 2.BSV 3.TIP 4.COST 5.BALL 6.JAHEUR 7.AAPL 8.XRAY 9.EFA 10.CSCO

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
#	Ticker	Issuer	Weight Change	Shares Change	Action
1	DFAI	Dimensional International Co	+3.8%	+9.47%	Add
2	VTEB	Vanguard Tax-exempt Bond ETF	+2.7%	+0.70%	Add
3	SCHP	Schwab U.s. Tips ETF	+1.8%	+7.58%	Add
4	BIV	Vanguard Intermediate-term B	+1.6%	+2.16%	Add
5	DFAU	Dimensional US Core Equity M	+1.2%	-0.63%	Add
6	SPIB	Ss Spdr P Int C CORP ETF	+0.4%	+3.49%	Add
7	ESML	Ishares Esg Aware Msci USA S	+0.2%	-0.18%	Add
8	VTI	Vanguard Total Stock Mkt ETF	+0.1%	+49.40%	Add
9	IJH	Ishares Core S&p Midcap ETF	0%	+0.03%	Add
10	MSFT	Microsoft CORP	0%	+11.24%	Add
11	GOOG	Alphabet Inc-cl C	-0.1%	-0.15%	Add
12	SPTI	Ss Spdr P Int Term Tsy ETF	-0.3%	+2.82%	Add
13	VNQ	Vanguard Real Estate ETF	-0.5%	+3.12%	Add
14	TIP	Ishares Tips Bond ETF	-1%	-0.60%	Trim
15	COST	Costco Wholesale CORP	-1.1%	+0.47%	Trim
16	CSCO	Cisco Systems INC	-1.4%	+0.06%	Add
17	AAPL	Apple INC	-1.5%	+0.05%	Trim
18	SPSB	Ss Spdr P St C CORP ETF	-2.8%	+3.48%	Add
19	SPTS	Ss Spdr P St Term Tsy ETF	-3.4%	+2.69%	Add
20	BSV	Vanguard Short-term Bond ETF	-7.8%	+6.35%	Add
21	SPAB	Ss Spdr P Agg Bond ETF	-21.5%	+6.49%	Add
22	DFAT	Dimensional US Target Value	—	NEW	New buy
23	DFUS	Dimensional US Eq Mkt ETF	—	NEW	New buy
24	DFUV	Dimensional US Marketwide Va	—	NEW	New buy
25	SUB	Ishares Short-term National	—	NEW	New buy
26	DFIV	Dimensional International Va	—	NEW	New buy
27	AVLV	Avantis US Large Cap Value	—	NEW	New buy
28	DFEM	Dimensional Emrg Mrkt Core	—	NEW	New buy
29	AVDV	Avantis Intl S/c Value ETF	—	NEW	New buy
30	DFGR	Dim Global Real Estate ETF	—	NEW	New buy
31	AVSD	Avantis Reps Intern Equi ETF	—	NEW	New buy
32	AVUV	Avantis US Small Cap Value	—	NEW	New buy
33	DFSU	Dimensional US Sus Core1 ETF	—	NEW	New buy
34	DFSI	Dimensional Int Sus Cor1 ETF	—	NEW	New buy
35	DFAX	Dimensional World Ex US Core	—	NEW	New buy
36	DFAR	Dimensional US Real Est ETF	—	NEW	New buy
37	AVSE	Avantis Resp Emerg Mkts Eq-e	—	NEW	New buy
38	DFAC	Dimensional US Core Equity 2	—	NEW	New buy
39	DFSE	Dimensional Em Sus Core1 ETF	—	NEW	New buy
40	FSLY	Fastly INC - Class A	—	EXIT	Sold out
41	AVSU	Avantis Resp US Equity ETF	—	NEW	New buy
42	DFAE	Dimensional Emerging Core Eq	—	NEW	New buy
43	BALL	Ball CORP	—	EXIT	Sold out
44	VBIL	Vanguard 0-3m T-bill ETF	—	NEW	New buy
45	VGSR	Vert Glb Sust Re ETF	—	NEW	New buy
46	DISV	Dimensional International Sm	—	NEW	New buy
47	VOO	Vanguard S&p 500 ETF	—	NEW	New buy
48	DFIC	Dimensional International Co	—	NEW	New buy
49	DFAS	Dimensional US Small Cap ETF	—	NEW	New buy
50	BND	Vanguard Total Bond Market	—	NEW	New buy

Filing History

Period	Filed	Type	EDGAR
2025-09-30	2025-11-12	13F-HR	View on EDGAR
2025-06-30	2025-07-17	13F-HR	View on EDGAR
2025-03-31	2025-07-17	13F-HR	View on EDGAR
2024-12-31	2025-02-14	13F-HR	View on EDGAR
2024-09-30	2025-07-25	13F-HR	View on EDGAR
2024-06-30	2025-07-25	13F-HR	View on EDGAR
2024-03-31	2025-07-25	13F-HR	View on EDGAR
2023-12-31	2024-04-01	13F-HR	View on EDGAR
2023-09-30	2023-11-20	13F-HR	View on EDGAR
2023-06-30	2023-08-28	13F-HR	View on EDGAR
2023-03-31	2023-04-24	13F-HR	View on EDGAR
2022-12-31	2023-03-01	13F-HR	View on EDGAR
2022-09-30	2022-10-31	13F-HR	View on EDGAR
2022-06-30	2022-08-16	13F-HR	View on EDGAR
2022-03-31	2022-05-02	13F-HR	View on EDGAR
2021-12-31	2022-03-24	13F-HR	View on EDGAR
2021-09-30	2021-11-15	13F-HR	View on EDGAR
2021-06-30	2021-11-16	13F-HR	View on EDGAR
2021-03-31	2021-05-17	13F-HR	View on EDGAR
2020-12-31	2021-02-23	13F-HR	View on EDGAR
2020-09-30	2020-11-12	13F-HR	View on EDGAR
2020-06-30	2020-08-11	13F-HR	View on EDGAR
2020-03-31	2020-05-07	13F-HR	View on EDGAR
2019-12-31	2020-02-03	13F-HR	View on EDGAR
2019-09-30	2019-10-15	13F-HR	View on EDGAR
2019-06-30	2019-07-22	13F-HR	View on EDGAR
2019-03-31	2019-04-25	13F-HR	View on EDGAR
2018-12-31	2019-01-31	13F-HR	View on EDGAR
2018-09-30	2018-10-16	13F-HR	View on EDGAR
2018-06-30	2018-07-17	13F-HR	View on EDGAR
2018-03-31	2018-04-26	13F-HR	View on EDGAR
2017-12-31	2018-02-02	13F-HR	View on EDGAR
2017-09-30	2017-11-06	13F-HR	View on EDGAR
2017-06-30	2017-07-27	13F-HR	View on EDGAR
2017-03-31	2017-05-09	13F-HR	View on EDGAR
2016-12-31	2017-01-27	13F-HR	View on EDGAR
2016-09-30	2016-10-21	13F-HR	View on EDGAR
2016-06-30	2016-07-27	13F-HR	View on EDGAR
2016-03-31	2016-05-09	13F-HR	View on EDGAR
2015-12-31	2016-01-26	13F-HR	View on EDGAR
2015-09-30	2015-10-22	13F-HR	View on EDGAR
2015-06-30	2015-07-29	13F-HR	View on EDGAR
2015-03-31	2015-04-30	13F-HR	View on EDGAR
2014-12-31	2015-02-09	13F-HR	View on EDGAR

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%

Peer Institutions

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Sector conviction54.8

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Kimelman & Baird, LLC

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Similar Holdings Style

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Professional Financial Solutions LLC /adv

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Buckingham Strategic Wealth, LLC

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Total reported value

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View detail

Willow Creek Wealth Management Inc. 13F Filing History & Holdings

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%.

Browse other institutions with $1B to $10B AUM Browse other institutions starting with "W"

Personality snowflake

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

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.

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

#	Ticker	Issuer	Asset Subclass	Weight	Weight Change	Shares Change
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

+1.9%

Performance Last 4 Quarters

+13.4%

Based on 70% of reported portfolio value with available pricing

Stdev: +6.8%
Beta: +0.45
Alpha: +1.6%
Max Drawdown: -4.3%
Annualized Perf: +10.2%
Batting Avg vs S&P: +47.2%
Sortino: +2.92
Stutzer: +0.43
Treynor: +0.22
Sterling: +0.77
Calmar: +2.37
Information Ratio: -1.08
Tracking Error: +7.9%
Stdev Down: +3.4%
Winning Months %: +69.4%
Losing Months %: +30.6%
Best 12 Months: +16.9%
Worst 12 Months: +6.4%
Efficiency Ratio: +0.54
Sharpe: +1.47
Stdev Sectors: +14.9%
Skewness: -0.1
Kurtosis: -0.39
Upside Potential: +4.52

Reported value over time

Sector allocation

Sector allocation over time

Quarterly history

Period	Holdings	Total value	Stability	Top holdings
2025-09-30	180	$1.2B	85	1DFAT 2BSV 3SPAB Top holdings2025-09-30 1.DFAT 2.BSV 3.SPAB 4.DFUS 5.DFUV 6.DFAI 7.SUB 8.SCHP 9.BIV 10.VTEB
2025-06-30	167	$1.1B	0	1DFAT 2BSV 3SPAB Top holdings2025-06-30 1.DFAT 2.BSV 3.SPAB 4.DFUS 5.DFUV 6.DFAI 7.SUB 8.SCHP 9.BIV 10.VTEB
2025-03-31	155	$1.0B	0	1BSV 2DFAT 3SPAB Top holdings2025-03-31 1.BSV 2.DFAT 3.SPAB 4.DFUV 5.DFUS 6.VTEB 7.SUB 8.BIV 9.SCHP 10.DFAI
2024-12-31	153	$980.9M	0	1DFAT 2BSV 3SPAB Top holdings2024-12-31 1.DFAT 2.BSV 3.SPAB 4.DFUS 5.DFUV 6.VTEB 7.SUB 8.BIV 9.SPSB 10.SCHP
2024-09-30	155	$951.3M	0	1DFAT 2BSV 3SPAB Top holdings2024-09-30 1.DFAT 2.BSV 3.SPAB 4.DFUV 5.DFUS 6.SUB 7.BIV 8.VTEB 9.SPSB 10.DFIV
2024-06-30	149	$879.2M	0	1DFAT 2BSV 3SPAB Top holdings2024-06-30 1.DFAT 2.BSV 3.SPAB 4.DFUV 5.DFUS 6.SUB 7.VTEB 8.BIV 9.SPSB 10.DFIV
2024-03-31	153	$855.3M	0	1DFAT 2BSV 3SPAB Top holdings2024-03-31 1.DFAT 2.BSV 3.SPAB 4.DFUV 5.DFUS 6.SUB 7.VTEB 8.BIV 9.SPSB 10.DFIV
2023-12-31	145	$797.8M	0	1DFAT 2SPAB 3BSV Top holdings2023-12-31 1.DFAT 2.SPAB 3.BSV 4.DFUV 5.SUB 6.VTEB 7.DFUS 8.BIV 9.SPSB 10.DFIV
2023-09-30	131	$671.6M	0	1DFAT 2BSV 3SPAB Top holdings2023-09-30 1.DFAT 2.BSV 3.SPAB 4.VTEB 5.DFUV 6.SUB 7.DFIV 8.BIV 9.SPSB 10.DFUS
2023-06-30	145	$705.9M	0	1SPAB 2DFAT 3BSV Top holdings2023-06-30 1.SPAB 2.DFAT 3.BSV 4.VTEB 5.DFUV 6.SUB 7.COST 8.DFIV 9.BIV 10.DFUS
2023-03-31	132	$648.3M	0	1SPAB 2DFAT 3BSV Top holdings2023-03-31 1.SPAB 2.DFAT 3.BSV 4.VTEB 5.DFUV 6.SUB 7.DFIV 8.SPSB 9.DFUS 10.BIV
2022-12-31	131	$602.3M	0	1SPAB 2BSV 3DFAT Top holdings2022-12-31 1.SPAB 2.BSV 3.DFAT 4.VTEB 5.DFUV 6.SUB 7.DFIV 8.SPSB 9.BIV 10.DFUS
2022-09-30	118	$515.3M	0	1SPAB 2BSV 3DFAT Top holdings2022-09-30 1.SPAB 2.BSV 3.DFAT 4.DFUV 5.COST 6.VTEB 7.SPSB 8.DFIV 9.SPTS 10.DFUS
2022-06-30	123	$539.1M	0	1SPAB 2BSV 3DFAT Top holdings2022-06-30 1.SPAB 2.BSV 3.DFAT 4.DFUV 5.COST 6.AAPL 7.DFIV 8.SPSB 9.SPTS 10.SPIP
2022-03-31	118	$497.5M	0	1SPAB 2DFAT 3BSV Top holdings2022-03-31 1.SPAB 2.DFAT 3.BSV 4.AAPL 5.DFIV 6.SPSB 7.SPTS 8.SPIP 9.RHI 10.DFUS
2021-12-31	122	$483.7M	0	1SPAB 2DFAT 3BSV Top holdings2021-12-31 1.SPAB 2.DFAT 3.BSV 4.AAPL 5.DFIV 6.SPTS 7.SPSB 8.SPIP 9.RHI 10.COST
2021-09-30	114	$451.3M	0	1SPAB 2DFAT 3BSV Top holdings2021-09-30 1.SPAB 2.DFAT 3.BSV 4.AAPL 5.DFIV 6.SPSB 7.SPTS 8.SPIP 9.RHI 10.DFUS
2021-06-30	112	$419.0M	0	1SPAB 2DFAT 3BSV Top holdings2021-06-30 1.SPAB 2.DFAT 3.BSV 4.AAPL 5.SPSB 6.SPIP 7.SPTS 8.RHI 9.FSLY 10.DFUS
2021-03-31	94	$272.2M	14	1SPAB 2BSV 3SPSB Top holdings2021-03-31 1.SPAB 2.BSV 3.SPSB 4.SPIP 5.SPTS 6.AAPL 7.FSLY 8.COST 9.BALL 10.CSCO
2020-12-31	89	$265.6M	24	1SPAB 2BSV 3FSLY Top holdings2020-12-31 1.SPAB 2.BSV 3.FSLY 4.SPIP 5.SPSB 6.SPTS 7.AAPL 8.COST 9.BALL 10.SPTI
2020-09-30	85	$242.5M	51	1SPAB 2BSV 3FSLY Top holdings2020-09-30 1.SPAB 2.BSV 3.FSLY 4.SPIP 5.SPTI 6.SPIB 7.SPSB 8.SPTS 9.AAPL 10.BALL
2020-06-30	78	$222.8M	15	1BIV 2BSV 3FSLY Top holdings2020-06-30 1.BIV 2.BSV 3.FSLY 4.SPIP 5.SPTI 6.SPIB 7.SPSB 8.SPTS 9.BALL 10.SPAB
2020-03-31	65	$198.7M	16	1BIV 2BSV 3SPIP Top holdings2020-03-31 1.BIV 2.BSV 3.SPIP 4.SPTI 5.SPSB 6.SPTS 7.SPIB 8.FSLY 9.BALL 10.SPAB
2019-12-31	82	$219.1M	7	1BIV 2BSV 3SPIP Top holdings2019-12-31 1.BIV 2.BSV 3.SPIP 4.SPTI 5.SPIB 6.SPTS 7.SPSB 8.BIL 9.SPAB 10.BALL
2019-09-30	85	$215.7M	6	1BIV 2BSV 3SPIP Top holdings2019-09-30 1.BIV 2.BSV 3.SPIP 4.SPTI 5.SPIB 6.SPTS 7.SPSB 8.BALL 9.SPAB 10.VNQ
2019-06-30	82	$208.7M	10	1BIV 2BSV 3SPIP Top holdings2019-06-30 1.BIV 2.BSV 3.SPIP 4.SPTI 5.SPIB 6.SPTS 7.SPSB 8.BALL 9.SPAB 10.VNQ
2019-03-31	72	$198.3M	8	1BIV 2BSV 3SPIP Top holdings2019-03-31 1.BIV 2.BSV 3.SPIP 4.SPTI 5.SPIB 6.SPTS 7.SPSB 8.BIL 9.SPAB 10.VNQ
2018-12-31	66	$188.1M	32	1BIV 2BSV 3SPIP Top holdings2018-12-31 1.BIV 2.BSV 3.SPIP 4.SPTI 5.SPIB 6.SPTS 7.SPSB 8.BIL 9.SPAB 10.VNQ
2018-09-30	72	$179.3M	9	1BIV 2BSV 3SPAB Top holdings2018-09-30 1.BIV 2.BSV 3.SPAB 4.SPIP 5.TIP 6.VNQ 7.BALL 8.AAPL 9.EXPO 10.IVV
2018-06-30	69	$177.8M	14	1BIV 2BSV 3SPAB Top holdings2018-06-30 1.BIV 2.BSV 3.SPAB 4.SPIP 5.TIP 6.VNQ 7.BIL 8.BALL 9.AAPL 10.IVV
2018-03-31	69	$186.7M	27	1BIV 2BSV 3COST Top holdings2018-03-31 1.BIV 2.BSV 3.COST 4.SPAB 5.SPIP 6.TIP 7.VNQ 8.BALL 9.AAPL 10.BIL
2017-12-31	20	$151.6M	17	1BIV 2BSV 3COST Top holdings2017-12-31 1.BIV 2.BSV 3.COST 4.SPIP 5.TIP 6.BND 7.BALL 8.AAPL 9.VNQ 10.JNJ
2017-09-30	19	$153.2M	4	1BIV 2BSV 3TIP Top holdings2017-09-30 1.BIV 2.BSV 3.TIP 4.COST 5.BND 6.BALL 7.AAPL 8.VNQ 9.JNJ 10.NWL
2017-06-30	20	$148.6M	3	1BIV 2BSV 3TIP Top holdings2017-06-30 1.BIV 2.BSV 3.TIP 4.COST 5.BND 6.BALL 7.AAPL 8.VNQ 9.NWL 10.JNJ
2017-03-31	20	$144.9M	7	1BIV 2BSV 3TIP Top holdings2017-03-31 1.BIV 2.BSV 3.TIP 4.COST 5.BND 6.BALL 7.VNQ 8.AAPL 9.JNJ 10.NWL
2016-12-31	20	$135.6M	8	1BIV 2BSV 3TIP Top holdings2016-12-31 1.BIV 2.BSV 3.TIP 4.COST 5.BND 6.BALL 7.VNQ 8.AAPL 9.NWL 10.JNJ
2016-09-30	18	$127.0M	6	1BIV 2BSV 3TIP Top holdings2016-09-30 1.BIV 2.BSV 3.TIP 4.COST 5.BALL 6.VNQ 7.NWL 8.AAPL 9.JNJ 10.EXPO
2016-06-30	20	$123.0M	14	1BIV 2BSV 3TIP Top holdings2016-06-30 1.BIV 2.BSV 3.TIP 4.COST 5.BALL 6.VNQ 7.NWL 8.JNJ 9.AAPL 10.EXPO
2016-03-31	17	$110.4M	7	1BIV 2BSV 3TIP Top holdings2016-03-31 1.BIV 2.BSV 3.TIP 4.COST 5.BALL 6.JAHEUR 7.VNQ 8.AAPL 9.EXPO 10.XRAY
2015-12-31	18	$111.0M	6	1BIV 2BSV 3TIP Top holdings2015-12-31 1.BIV 2.BSV 3.TIP 4.COST 5.BALL 6.JAHEUR 7.AAPL 8.VNQ 9.EXPO 10.BND
2015-09-30	17	$108.4M	4	1BIV 2BSV 3TIP Top holdings2015-09-30 1.BIV 2.BSV 3.TIP 4.COST 5.BALL 6.JAHEUR 7.AAPL 8.VNQ 9.EXPO 10.XRAY
2015-06-30	16	$107.4M	4	1BIV 2BSV 3TIP Top holdings2015-06-30 1.BIV 2.BSV 3.TIP 4.COST 5.BALL 6.AAPL 7.JAHEUR 8.EXPO 9.VNQ 10.EFA
2015-03-31	14	$106.5M	5	1BIV 2BSV 3TIP Top holdings2015-03-31 1.BIV 2.BSV 3.TIP 4.COST 5.BALL 6.AAPL 7.JAHEUR 8.EFA 9.XRAY 10.CSCO
2014-12-31	15	$102.2M	0	1BIV 2BSV 3TIP Top holdings2014-12-31 1.BIV 2.BSV 3.TIP 4.COST 5.BALL 6.JAHEUR 7.AAPL 8.XRAY 9.EFA 10.CSCO

Holding changes this quarter

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
#	Ticker	Issuer	Weight Change	Shares Change	Action
1	DFAI	Dimensional International Co	+3.8%	+9.47%	Add
2	VTEB	Vanguard Tax-exempt Bond ETF	+2.7%	+0.70%	Add
3	SCHP	Schwab U.s. Tips ETF	+1.8%	+7.58%	Add
4	BIV	Vanguard Intermediate-term B	+1.6%	+2.16%	Add
5	DFAU	Dimensional US Core Equity M	+1.2%	-0.63%	Add
6	SPIB	Ss Spdr P Int C CORP ETF	+0.4%	+3.49%	Add
7	ESML	Ishares Esg Aware Msci USA S	+0.2%	-0.18%	Add
8	VTI	Vanguard Total Stock Mkt ETF	+0.1%	+49.40%	Add
9	IJH	Ishares Core S&p Midcap ETF	0%	+0.03%	Add
10	MSFT	Microsoft CORP	0%	+11.24%	Add
11	GOOG	Alphabet Inc-cl C	-0.1%	-0.15%	Add
12	SPTI	Ss Spdr P Int Term Tsy ETF	-0.3%	+2.82%	Add
13	VNQ	Vanguard Real Estate ETF	-0.5%	+3.12%	Add
14	TIP	Ishares Tips Bond ETF	-1%	-0.60%	Trim
15	COST	Costco Wholesale CORP	-1.1%	+0.47%	Trim
16	CSCO	Cisco Systems INC	-1.4%	+0.06%	Add
17	AAPL	Apple INC	-1.5%	+0.05%	Trim
18	SPSB	Ss Spdr P St C CORP ETF	-2.8%	+3.48%	Add
19	SPTS	Ss Spdr P St Term Tsy ETF	-3.4%	+2.69%	Add
20	BSV	Vanguard Short-term Bond ETF	-7.8%	+6.35%	Add
21	SPAB	Ss Spdr P Agg Bond ETF	-21.5%	+6.49%	Add
22	DFAT	Dimensional US Target Value	—	NEW	New buy
23	DFUS	Dimensional US Eq Mkt ETF	—	NEW	New buy
24	DFUV	Dimensional US Marketwide Va	—	NEW	New buy
25	SUB	Ishares Short-term National	—	NEW	New buy
26	DFIV	Dimensional International Va	—	NEW	New buy
27	AVLV	Avantis US Large Cap Value	—	NEW	New buy
28	DFEM	Dimensional Emrg Mrkt Core	—	NEW	New buy
29	AVDV	Avantis Intl S/c Value ETF	—	NEW	New buy
30	DFGR	Dim Global Real Estate ETF	—	NEW	New buy
31	AVSD	Avantis Reps Intern Equi ETF	—	NEW	New buy
32	AVUV	Avantis US Small Cap Value	—	NEW	New buy
33	DFSU	Dimensional US Sus Core1 ETF	—	NEW	New buy
34	DFSI	Dimensional Int Sus Cor1 ETF	—	NEW	New buy
35	DFAX	Dimensional World Ex US Core	—	NEW	New buy
36	DFAR	Dimensional US Real Est ETF	—	NEW	New buy
37	AVSE	Avantis Resp Emerg Mkts Eq-e	—	NEW	New buy
38	DFAC	Dimensional US Core Equity 2	—	NEW	New buy
39	DFSE	Dimensional Em Sus Core1 ETF	—	NEW	New buy
40	FSLY	Fastly INC - Class A	—	EXIT	Sold out
41	AVSU	Avantis Resp US Equity ETF	—	NEW	New buy
42	DFAE	Dimensional Emerging Core Eq	—	NEW	New buy
43	BALL	Ball CORP	—	EXIT	Sold out
44	VBIL	Vanguard 0-3m T-bill ETF	—	NEW	New buy
45	VGSR	Vert Glb Sust Re ETF	—	NEW	New buy
46	DISV	Dimensional International Sm	—	NEW	New buy
47	VOO	Vanguard S&p 500 ETF	—	NEW	New buy
48	DFIC	Dimensional International Co	—	NEW	New buy
49	DFAS	Dimensional US Small Cap ETF	—	NEW	New buy
50	BND	Vanguard Total Bond Market	—	NEW	New buy

Filing History

Period	Filed	Type	EDGAR
2025-09-30	2025-11-12	13F-HR	View on EDGAR
2025-06-30	2025-07-17	13F-HR	View on EDGAR
2025-03-31	2025-07-17	13F-HR	View on EDGAR
2024-12-31	2025-02-14	13F-HR	View on EDGAR
2024-09-30	2025-07-25	13F-HR	View on EDGAR
2024-06-30	2025-07-25	13F-HR	View on EDGAR
2024-03-31	2025-07-25	13F-HR	View on EDGAR
2023-12-31	2024-04-01	13F-HR	View on EDGAR
2023-09-30	2023-11-20	13F-HR	View on EDGAR
2023-06-30	2023-08-28	13F-HR	View on EDGAR
2023-03-31	2023-04-24	13F-HR	View on EDGAR
2022-12-31	2023-03-01	13F-HR	View on EDGAR
2022-09-30	2022-10-31	13F-HR	View on EDGAR
2022-06-30	2022-08-16	13F-HR	View on EDGAR
2022-03-31	2022-05-02	13F-HR	View on EDGAR
2021-12-31	2022-03-24	13F-HR	View on EDGAR
2021-09-30	2021-11-15	13F-HR	View on EDGAR
2021-06-30	2021-11-16	13F-HR	View on EDGAR
2021-03-31	2021-05-17	13F-HR	View on EDGAR
2020-12-31	2021-02-23	13F-HR	View on EDGAR
2020-09-30	2020-11-12	13F-HR	View on EDGAR
2020-06-30	2020-08-11	13F-HR	View on EDGAR
2020-03-31	2020-05-07	13F-HR	View on EDGAR
2019-12-31	2020-02-03	13F-HR	View on EDGAR
2019-09-30	2019-10-15	13F-HR	View on EDGAR
2019-06-30	2019-07-22	13F-HR	View on EDGAR
2019-03-31	2019-04-25	13F-HR	View on EDGAR
2018-12-31	2019-01-31	13F-HR	View on EDGAR
2018-09-30	2018-10-16	13F-HR	View on EDGAR
2018-06-30	2018-07-17	13F-HR	View on EDGAR
2018-03-31	2018-04-26	13F-HR	View on EDGAR
2017-12-31	2018-02-02	13F-HR	View on EDGAR
2017-09-30	2017-11-06	13F-HR	View on EDGAR
2017-06-30	2017-07-27	13F-HR	View on EDGAR
2017-03-31	2017-05-09	13F-HR	View on EDGAR
2016-12-31	2017-01-27	13F-HR	View on EDGAR
2016-09-30	2016-10-21	13F-HR	View on EDGAR
2016-06-30	2016-07-27	13F-HR	View on EDGAR
2016-03-31	2016-05-09	13F-HR	View on EDGAR
2015-12-31	2016-01-26	13F-HR	View on EDGAR
2015-09-30	2015-10-22	13F-HR	View on EDGAR
2015-06-30	2015-07-29	13F-HR	View on EDGAR
2015-03-31	2015-04-30	13F-HR	View on EDGAR
2014-12-31	2015-02-09	13F-HR	View on EDGAR