Willow Creek Wealth Management Inc.

CIK

1632407

Location

Sebastopol, CA

Portfolio Value

Mid $1,208,600,383

Diversification

Moderately concentrated

Filing Date

Global Rank

#1,970 / 8,095 ▲ 7 · as of Sep 2025

Top Industry

Discount Stores 19.6%

3Y Alpha vs SPY

-1.8%

Period ended 11 months ago

Filed Nov 12, 2025 · 10mo

23 quarters · since Mar 2020

Clone Performance

Sep 2023–Apr 2026 · vs SPY

Hypothetical growth of buying every stock this filer reported holding, rebalancing on each filing and indexed to the same start. Option positions cannot be bought this way and are left out.

Cloned portfolio

+28.4%

SPY

+53.8%

Annualised alpha

-7.9%

Max drawdown

−10.0%

Estimate. 13F holdings are quarter-lagged, so the clone rebalances about 45 days after each period end — when the filing becomes public — and it excludes option and short positions. Returns use comparable raw closes and exclude dividends. Captured split ratios restate closes onto one basis; only an unusable ratio can exclude earlier closes for that listing. It tracks 100% of reported value on average across 10 quarters.Willow Creek Wealth Management Inc. has stopped filing, so the simulation ends in Apr 2026 — where its last reported portfolio went stale — rather than trading that portfolio forward to today. Past performance does not predict future results.

Portfolio Concentration

96 tracked positions · as of Sep 30, 2025 · Δ vs Jun 30, 2025

Top Position

37.9%

+0.5 pts

Top 5

81.8%

−0.2 pts

Top 10

92.4%

−0.6 pts

HHI

2,013

Moderately concentrated+9

Portfolio Trend

23 quarters · across all stocks

Sector Breakdown

As of Sep 30, 2025

Sector	% Portfolio	Value	Positions
Unclassified	93.4%	$1,129,114,981	29
Technology	2.9%	$34,922,910	17
Consumer Defensive	1.4%	$16,614,269	4
Financial Services	0.8%	$9,234,796	12
Communication Services	0.6%	$7,397,115	4
Healthcare	0.4%	$4,517,272	8
Industrials	0.3%	$3,173,706	10
Consumer Cyclical	0.2%	$2,572,259	8
Energy	0.0%	$314,008	1
Utilities	0.0%	$296,826	1
Real Estate	0.0%	$227,902	1
Basic Materials	0.0%	$214,339	1

Last Quarter's Activity

Export CSV

Sep 30, 2025 vs Jun 30, 2025

Added To

Positions the filer increased

25 positions

Ticker	Company	Δ Shares	Shares	Value
DCOR	Dimensional US Core Equity 1 ETF	+355,988	10,290,533	$458,621,351
BWX	State Street SPDR Bloomberg International Treasury Bond ETF	+328,194	7,049,533	$194,561,172
FNDA	Schwab Fundamental U.S. Small Company ETF	+109,181	1,548,759	$41,739,055
BIV	Vanguard Intermediate-Term Bond ETF	+100,035	2,044,159	$160,068,998
AAXJ	iShares MSCI All Country Asia ex Japan ETF	+48,630	771,320	$69,534,121
VBIL	Vanguard 0-3 Month Treasury Bill ETF	+35,317	68,843	$5,205,563
ACSG	American Century Small Cap Growth Insights ETF	+32,177	1,355,372	$105,779,882
SJCP	SanJac Alpha Core Plus Bond ETF	+23,993	474,258	$5,050,847
BIL	State Street SPDR Bloomberg 1-3 Month T-Bill ETF	+19,083	749,351	$22,071,891
VB	Vanguard Morningstar Small-Cap ETF	+14,960	32,432	$8,726,899
VEU	Vanguard FTSE All-World Ex-US ETF	+10,063	23,212	$1,306,290
VXUS	Vanguard Total International Stock ETF	+8,557	16,335	$1,199,969
BNDW	Vanguard Total World Bond ETF	+8,390	49,520	$3,181,843
EDV	Vanguard World Funds Extended Duration ETF	+5,651	16,409	$2,069,387
VCRM	Vanguard Core Tax-Exempt Bond ETF	+4,713	679,977	$34,046,448
VCHY	Vanguard U.S. High-Yield Corporate Bond Index ETF	+4,498	22,958	$1,162,363
ABI	VictoryShares Pioneer Asset-Based Income ETF	+4,241	20,046	$916,627
VIG	Vanguard Dividend Appreciation ETF	+2,223	77,722	$7,564,021
VEA	Vanguard FTSE Developed Markets ETF	+1,302	8,615	$516,210
NVDA	Nvidia Corp	+531	4,255	$793,897
QQQ	Invesco Qqq Trust, Series 1	+522	1,701	$1,021,229
GLD	Spdr Gold Trust	+491	1,741	$618,873
MSFT	Microsoft Corp	+478	4,730	$2,449,903
PG	PROCTER & GAMBLE Co	+453	4,322	$664,075
INTC	Intel Corp	+446	9,398	$315,302
No positions match the current search.

Trimmed

Positions the filer reduced

22 positions

Ticker	Company	Δ Shares	Shares	Value
ORLY	O Reilly Automotive Inc	−675	4,215	$454,419
SMCI	Super Micro Computer, Inc.	−500	6,346	$304,227
VRSN	Verisign Inc/Ca	−369	6,818	$1,906,108
UNP	Union Pacific Corp	−274	1,130	$267,098
MS	Morgan Stanley	−226	2,157	$342,876
ICE	Intercontinental Exchange, Inc.	−165	2,066	$348,079
MRSH	Marsh & Mclennan Companies, Inc.	−146	1,708	$344,213
META	Meta Platforms, Inc.	−136	605	$444,299
PEP	Pepsico Inc	−88	2,572	$361,211
SBUX	Starbucks Corp	−84	2,542	$215,053
WMT	Walmart Inc.	−78	5,995	$617,844
AVGO	Broadcom Inc.	−76	1,163	$383,685
V	Visa Inc.	−31	4,736	$1,616,775
TXN	Texas Instruments Inc	−30	2,146	$394,284
ACN	Accenture plc	−25	991	$244,380
GOOGL	Alphabet Inc.	−17	25,202	$6,132,361
LLY	ELI LILLY & Co	−14	453	$345,639
JPM	Jpmorgan Chase & Co	−13	3,462	$1,092,018
TMO	Thermo Fisher Scientific Inc.	−11	4,344	$2,106,926
MA	Mastercard Inc	−4	1,103	$627,397
HD	Home Depot, Inc.	−3	942	$381,688
ADBE	Adobe Inc.	−1	757	$267,031
No positions match the current search.

New Positions

Positions the filer opened this quarter

9 positions

Ticker	Company	Shares	Value
ANEW	ProShares MSCI Transformational Changes ETF	7,389	$565,775
TSLA	Tesla, Inc.	900	$400,248
VIGI	Vanguard International Dividend Appreciation ETF	2,723	$383,806
HPQ	Hp Inc	9,900	$269,577
CLS	Celestica Inc	1,000	$246,380
DE	Deere & Co	472	$215,826
PRM	Perimeter Solutions, Inc.	9,573	$214,339
MMM	3M Co	1,330	$206,389
IVZ	Invesco Ltd.	827	$204,368
No positions match the current search.

Sold Out

Positions the filer fully exited

3 positions

Ticker	Company	Shares	Value
PL	Planet Labs PBC	400,000	$2,440,000
FSLY	Fastly, Inc.	102,474	$723,466
SNY	Sanofi	4,202	$202,998
No positions match the current search.

Portfolio Positions

Compact Export CSV View 13F filing

96 tracked positions · $1,208,600,383 total · filing declares 180 positions · $1,214,266,260 · as of Sep 30, 2025

All sectors Basic Materials Communication Services Consumer Cyclical Consumer Defensive Energy Financial Services Healthcare Industrials Real Estate Technology Utilities

Showing 1–50 of 96 positions by value · page 1 of 2

Ticker	Company	Type	Shares	Δ Shares	Value (USD)	% Δ Value	% of Portfolio
DCOR	Dimensional US Core Equity 1 ETF	Added	10,290,533	+355,988	$458,621,351	+10.3%	37.95%
BWX	State Street SPDR Bloomberg International Treasury Bond ETF	Added	7,049,533	+328,194	$194,561,172	+5.6%	16.10%
BIV	Vanguard Intermediate-Term Bond ETF	Added	2,044,159	+100,035	$160,068,998	+5.6%	13.24%
ACSG	American Century Small Cap Growth Insights ETF	Added	1,355,372	+32,177	$105,779,882	+10.8%	8.75%
AAXJ	iShares MSCI All Country Asia ex Japan ETF	Added	771,320	+48,630	$69,534,121	+10.0%	5.75%
FNDA	Schwab Fundamental U.S. Small Company ETF	Added	1,548,759	+109,181	$41,739,055	+8.7%	3.45%
VCRM	Vanguard Core Tax-Exempt Bond ETF	Added	679,977	+4,713	$34,046,448	+2.8%	2.82%
BIL	State Street SPDR Bloomberg 1-3 Month T-Bill ETF	Added	749,351	+19,083	$22,071,891	+2.7%	1.83%
AAPL	Apple Inc. Technology	Added	60,737	+29	$15,465,462	+24.2%	1.28%
COST	Costco Wholesale Corp /New Consumer Defensive	Added	16,174	+75	$14,971,139	−6.1%	1.24%
VB	Vanguard Morningstar Small-Cap ETF	Added	32,432	+14,960	$8,726,899	+78.3%	0.72%
VIG	Vanguard Dividend Appreciation ETF	Added	77,722	+2,223	$7,564,021	+5.8%	0.63%
CSCO	Cisco Systems, Inc. Technology	Added	107,615	+62	$7,363,018	−1.3%	0.61%
GOOGL	Alphabet Inc. Communication Services	Reduced	25,202	-17	$6,132,361	+37.5%	0.51%
VBIL	Vanguard 0-3 Month Treasury Bill ETF	Added	68,843	+35,317	$5,205,563	+105.5%	0.43%
SJCP	SanJac Alpha Core Plus Bond ETF	Added	474,258	+23,993	$5,050,847	+7.2%	0.42%
BNDW	Vanguard Total World Bond ETF	Added	49,520	+8,390	$3,181,843	+32.4%	0.26%
WRB	Berkley W R Corp Financial Services	Held	33,010	0	$2,529,226	+4.3%	0.21%
INTU	Intuit Inc. Technology	Held	3,591	0	$2,452,329	−13.3%	0.20%
MSFT	Microsoft Corp Technology	Added	4,730	+478	$2,449,903	+15.8%	0.20%
TMO	Thermo Fisher Scientific Inc. Healthcare	Reduced	4,344	-11	$2,106,926	+19.3%	0.17%
EDV	Vanguard World Funds Extended Duration ETF	Added	16,409	+5,651	$2,069,387	+111.4%	0.17%
VRSN	Verisign Inc/Ca Technology	Reduced	6,818	-369	$1,906,108	−8.2%	0.16%
V	Visa Inc. Financial Services	Reduced	4,736	-31	$1,616,775	−4.5%	0.13%
ORCL	Oracle Corp Technology	Held	5,276	0	$1,483,822	+28.6%	0.12%
VEU	Vanguard FTSE All-World Ex-US ETF	Added	23,212	+10,063	$1,306,290	+100.9%	0.11%
VXUS	Vanguard Total International Stock ETF	Added	16,335	+8,557	$1,199,969	+123.3%	0.10%
VCHY	Vanguard U.S. High-Yield Corporate Bond Index ETF	Added	22,958	+4,498	$1,162,363	+25.3%	0.10%
JPM	Jpmorgan Chase & Co Financial Services	Reduced	3,462	-13	$1,092,018	+8.4%	0.09%
ECNS	iShares MSCI China Small-Cap ETF	Held	7,679	0	$1,041,656	+7.0%	0.09%
QQQ	Invesco Qqq Trust, Series 1	Added	1,701	+522	$1,021,229	+57.0%	0.08%
ABI	VictoryShares Pioneer Asset-Based Income ETF	Added	20,046	+4,241	$916,627	+37.2%	0.08%
SPY	Spdr S&P 500 ETF Trust	Held	1,373	0	$914,665	+7.8%	0.08%
NVDA	Nvidia Corp Technology	Added	4,255	+531	$793,897	+34.9%	0.07%
JNJ	Johnson & Johnson Healthcare	Added	4,242	+207	$786,551	+27.6%	0.07%
AFL	Aflac Inc Financial Services	Held	6,599	0	$737,108	+5.9%	0.06%
PG	PROCTER & GAMBLE Co Consumer Defensive	Added	4,322	+453	$664,075	+7.7%	0.05%
MA	Mastercard Inc Financial Services	Reduced	1,103	-4	$627,397	+0.9%	0.05%
GLD	Spdr Gold Trust	Added	1,741	+491	$618,873	+62.4%	0.05%
WMT	Walmart Inc. Consumer Defensive	Reduced	5,995	-78	$617,844	+4.0%	0.05%
BRK-B	Berkshire Hathaway Inc Financial Services	Added	1,154	+148	$580,161	+18.7%	0.05%
ANEW	ProShares MSCI Transformational Changes ETF	NEW	7,389	NEW	$565,775	NEW	0.05%
GE	General Electric Co Industrials	Held	1,877	0	$564,639	+16.9%	0.05%
AMZN	Amazon Com Inc Consumer Cyclical	Added	2,390	+66	$524,772	+2.9%	0.04%
VEA	Vanguard FTSE Developed Markets ETF	Added	8,615	+1,302	$516,210	+23.8%	0.04%
DIS	Walt Disney Co Communication Services	Added	4,485	+345	$513,532	+0.0%	0.04%
HON	Honeywell International Inc Industrials	Added	2,327	+50	$489,833	−7.6%	0.04%
PGR	Progressive Corp/Oh/ Financial Services	Held	1,887	0	$465,994	−7.5%	0.04%
AGGY	WisdomTree Yield Enhanced U.S. Aggregate Bond Fund	Held	5,329	0	$463,782	+6.0%	0.04%
ORLY	O Reilly Automotive Inc Consumer Cyclical	Reduced	4,215	-675	$454,419	+3.1%	0.04%

Covers the securities this platform tracks: U.S.-listed common stock and the put/call positions reported on it. A 13F can also report security types outside that coverage — preferred shares, bonds, warrants, untracked share classes — so the filing's own declared total can exceed the figures above. The source filing is linked at the top of this table.