Willow Creek Wealth Management Inc.

CIK

1632407

Location

Sebastopol, CA

Portfolio Value

Micro $78,402,004

Diversification

Diversified

Filing Date

Global Rank

#5,957 / 7,976 ▼ 63

Top Industry

Discount Stores 20.6%

3Y Alpha vs SPY

-2.4%

Period ended 9 months ago

Filed Nov 12, 2025 · 7mo

23 quarters · since Mar 2020

Clone Performance

Jun 2023–Jun 2026 · vs SPY

Hypothetical growth of cloning every reported 13F position and rebalancing on each filing, indexed to the same start.

Cloned portfolio

+66.3%

SPY

+76.5%

Annualised alpha

-2.4%

Max drawdown

−18.7%

Estimate. 13F holdings are quarter-lagged and long-only, so the clone rebalances about 45 days after each period end — when the filing becomes public — and excludes options and short positions. Past performance does not predict future results.

Portfolio Concentration

68 positions · as of Sep 30, 2025 · Δ vs Jun 30, 2025

Top Position

19.7%

−1.3 pts

Top 5

55.3%

+0.9 pts

Top 10

68.7%

+0.4 pts

HHI

927

Diversified+25

Portfolio Trend

23 quarters · across all stocks

Sector Breakdown

As of Sep 30, 2025

Sector	% Portfolio	Value	Positions
Technology	44.5%	$34,922,910	17
Consumer Defensive	21.2%	$16,614,269	4
Financial Services	11.5%	$9,030,428	11
Healthcare	5.8%	$4,517,272	8
Communication Services	5.1%	$4,005,880	4
Industrials	4.0%	$3,145,544	10
Consumer Cyclical	3.3%	$2,557,859	7
Unclassified	3.3%	$2,554,767	3
Energy	0.4%	$314,008	1
Utilities	0.4%	$296,826	1
Real Estate	0.3%	$227,902	1
Basic Materials	0.3%	$214,339	1

Last Quarter's Activity

Export CSV

Sep 30, 2025 vs Jun 30, 2025

Added To

Positions the filer increased

22 positions

Ticker	Company	Δ Shares	Shares	Value
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
NEE	Nextera Energy Inc	+393	3,932	$296,826
DIS	Walt Disney Co	+345	4,485	$513,532
JNJ	Johnson & Johnson	+207	4,242	$786,551
MRK	Merck & Co., Inc.	+198	4,079	$342,350
BRK-B	Berkshire Hathaway Inc	+148	1,154	$580,161
XOM	Exxon Mobil Corp	+145	2,785	$314,008
MCD	Mcdonalds Corp	+97	1,116	$339,141
COST	Costco Wholesale Corp /New	+75	16,174	$14,971,139
AMZN	Amazon Com Inc	+66	2,390	$524,772
CSCO	Cisco Systems, Inc.	+62	107,615	$7,363,018
HON	Honeywell International Inc	+50	2,327	$461,671
AAPL	Apple Inc.	+29	60,737	$15,465,462
IBM	International Business Machines Corp	+21	1,298	$366,243
NFLX	Netflix Inc	+20	256	$30,692
GOOGL	Alphabet Inc.	+2	12,412	$3,017,357
DHR	Danaher Corp /De/	+1	1,652	$327,525
No positions match the current search.

Trimmed

Positions the filer reduced

21 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
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

6 positions

Ticker	Company	Shares	Value
TSLA	Tesla, Inc.	900	$400,248
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
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

68 positions · $78,402,004 total · 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 68 positions by value · page 1 of 2

Ticker	Company	Type	Shares	Δ Shares	Value (USD)	% Δ Value	% of Portfolio
AAPL	Apple Inc. Technology	Added	60,737	+29	$15,465,462	+24.2%	19.73%
COST	Costco Wholesale Corp /New Consumer Defensive	Added	16,174	+75	$14,971,139	−6.1%	19.10%
CSCO	Cisco Systems, Inc. Technology	Added	107,615	+62	$7,363,018	−1.3%	9.39%
GOOGL	Alphabet Inc. Communication Services	Added	12,412	+2	$3,017,357	+38.0%	3.85%
WRB	Berkley W R Corp Financial Services	Held	33,010	0	$2,529,226	+4.3%	3.23%
INTU	Intuit Inc. Technology	Held	3,591	0	$2,452,329	−13.3%	3.13%
MSFT	Microsoft Corp Technology	Added	4,730	+478	$2,449,903	+15.8%	3.12%
TMO	Thermo Fisher Scientific Inc. Healthcare	Reduced	4,344	-11	$2,106,926	+19.3%	2.69%
VRSN	Verisign Inc/Ca Technology	Reduced	6,818	-369	$1,906,108	−8.2%	2.43%
V	Visa Inc. Financial Services	Reduced	4,736	-31	$1,616,775	−4.5%	2.06%
ORCL	Oracle Corp Technology	Held	5,276	0	$1,483,822	+28.6%	1.89%
JPM	Jpmorgan Chase & Co Financial Services	Reduced	3,462	-13	$1,092,018	+8.4%	1.39%
QQQ	Invesco Qqq Trust, Series 1	Added	1,701	+522	$1,021,229	+57.0%	1.30%
SPY	Spdr S&P 500 ETF Trust	Held	1,373	0	$914,665	+7.8%	1.17%
NVDA	Nvidia Corp Technology	Added	4,255	+531	$793,897	+34.9%	1.01%
JNJ	Johnson & Johnson Healthcare	Added	4,242	+207	$786,551	+27.6%	1.00%
AFL	Aflac Inc Financial Services	Held	6,599	0	$737,108	+5.9%	0.94%
PG	PROCTER & GAMBLE Co Consumer Defensive	Added	4,322	+453	$664,075	+7.7%	0.85%
MA	Mastercard Inc Financial Services	Reduced	1,103	-4	$627,397	+0.9%	0.80%
GLD	Spdr Gold Trust	Added	1,741	+491	$618,873	+62.4%	0.79%
WMT	Walmart Inc. Consumer Defensive	Reduced	5,995	-78	$617,844	+4.0%	0.79%
BRK-B	Berkshire Hathaway Inc Financial Services	Added	1,154	+148	$580,161	+18.7%	0.74%
GE	General Electric Co Industrials	Held	1,877	0	$564,639	+16.9%	0.72%
AMZN	Amazon Com Inc Consumer Cyclical	Added	2,390	+66	$524,772	+2.9%	0.67%
DIS	Walt Disney Co Communication Services	Added	4,485	+345	$513,532	+0.0%	0.65%
PGR	Progressive Corp/Oh/ Financial Services	Held	1,887	0	$465,994	−7.5%	0.59%
HON	Honeywell International Inc Industrials	Added	2,327	+50	$461,671	−7.6%	0.59%
ORLY	O Reilly Automotive Inc Consumer Cyclical	Reduced	4,215	-675	$454,419	+3.1%	0.58%
META	Meta Platforms, Inc. Communication Services	Reduced	605	-136	$444,299	−18.8%	0.57%
TSLA	Tesla, Inc. Consumer Cyclical	NEW	900	NEW	$400,248	NEW	0.51%
TXN	Texas Instruments Inc Technology	Reduced	2,146	-30	$394,284	−12.7%	0.50%
AVGO	Broadcom Inc. Technology	Reduced	1,163	-76	$383,685	+12.3%	0.49%
HD	Home Depot, Inc. Consumer Cyclical	Reduced	942	-3	$381,688	+10.2%	0.49%
IBM	International Business Machines Corp Technology	Added	1,298	+21	$366,243	−2.7%	0.47%
PEP	Pepsico Inc Consumer Defensive	Reduced	2,572	-88	$361,211	+2.8%	0.46%
ICE	Intercontinental Exchange, Inc. Financial Services	Reduced	2,066	-165	$348,079	−15.0%	0.44%
BAC	Bank Of America Corp /De/ Financial Services	Held	6,718	0	$346,581	+9.0%	0.44%
LLY	ELI LILLY & Co Healthcare	Reduced	453	-14	$345,639	−5.1%	0.44%
MRSH	Marsh & Mclennan Companies, Inc. Financial Services	Reduced	1,708	-146	$344,213	−15.1%	0.44%
MS	Morgan Stanley Financial Services	Reduced	2,157	-226	$342,876	+2.1%	0.44%
MRK	Merck & Co., Inc. Healthcare	Added	4,079	+198	$342,350	+11.4%	0.44%
MCD	Mcdonalds Corp Consumer Cyclical	Added	1,116	+97	$339,141	+13.9%	0.43%
DHR	Danaher Corp /De/ Healthcare	Added	1,652	+1	$327,525	+0.4%	0.42%
INTC	Intel Corp Technology	Added	9,398	+446	$315,302	+57.2%	0.40%
XOM	Exxon Mobil Corp Energy	Added	2,785	+145	$314,008	+10.3%	0.40%
NSC	Norfolk Southern Corp Industrials	Held	1,043	0	$313,327	+17.4%	0.40%
CTAS	Cintas Corp Industrials	Held	1,516	0	$311,174	−7.9%	0.40%
GEV	GE Vernova Inc. Industrials	Held	500	0	$307,450	+16.2%	0.39%
SMCI	Super Micro Computer, Inc. Technology	Reduced	6,346	-500	$304,227	−9.3%	0.39%
NEE	Nextera Energy Inc Utilities	Added	3,932	+393	$296,826	+20.8%	0.38%