Willow Creek Wealth Management Inc.

CIK

1632407

Location

Sebastopol, CA

Portfolio Value

Mid $1,479,837,137

Diversification

Moderately concentrated

Filing Date

Global Rank

#1,937 / 8,827 ▲ 53 · as of Jun 2026

Top Industry

Discount Stores 28.4%

Period ended 38 days ago

Filed Oct 26, 2026 · 12d

25 quarters · since Mar 2020

Regulatory profile

From Form ADV, the SEC filer profile, 13D/13G type codes and N-CEN, never from the name.

Holder type

Unknown

Portfolio style

Measured from the filed 13F common-share book for Jun 30, 2026, the newest measured quarter, never from the firm's own description.

Style

Concentrated

The top 10 positions are 90.0% of the book (60%+)

Turnover

Turnover unknown

It needs four straight quarters of measured turnover

Horizon

Short horizon

Value-weighted holding period 1.0 quarters (under 4)

Closest benchmark: every 13F filer's combined book, active share 85.5%; sector active share 77.1% against the combined 13F book's sector weights.

Over time 24 measured quarters

How the bands are measured

Style bands measure the filed 13F common-share book each closed quarter, tested in this order. Unknown: under $10,000,000 of valued equity or 5 stocks. Index-like (100+ stocks): active share of 20% or less against the closest benchmark, which is the S&P 500, S&P MidCap 400, S&P SmallCap 600, Russell 1000, Russell 2000, Nasdaq-100 or Dow Jones Industrial Average (weighted by an index-tracking fund's reported holdings or the index's constituents nearest the quarter end, over the names resolved to companies, and only when those are 90%+ of its weight) or every 13F filer's combined book, or index series holding 80%+ of the registered fund assets it advises (N-CEN) and equal to 50%+ of its book. Systematic-like: 500+ stocks, 100%+ annual turnover and a top 10 weight of 25% or less. Concentrated: a top 10 weight of 60%+ or 12 or fewer effective positions. Diversified active: none of these. Turnover is the smaller of buys and sells over average equity value, summed over four quarters: low under 30%, high 100%+. Horizon is the value-weighted number of quarters each position has been held: short under 4, long 12+.

Clone Performance

Build a hypothetical price-return history from this filer's public 13F holdings.

View clone backtest

Portfolio Concentration

205 tracked positions · as of Sep 30, 2026 · Δ vs Jun 30, 2026

Top Position

37.7%

+0.5 pts

Top 5

79.3%

+1.3 pts

Top 10

91.1%

+1.1 pts

HHI

1,944

Moderately concentrated+62

Portfolio Trend

25 quarters · across all stocks

Sector Breakdown

As of Sep 30, 2026

Sector	% Portfolio	Value	Positions
Unclassified	89.3%	$1,321,927,219	120
Consumer Defensive	4.1%	$60,700,902	5
Technology	3.2%	$47,098,209	21
Communication Services	0.8%	$12,423,098	4
Financial Services	0.8%	$11,202,823	17
Healthcare	0.6%	$9,367,530	11
Consumer Cyclical	0.6%	$8,976,472	7
Industrials	0.4%	$5,561,688	14
Utilities	0.1%	$922,214	2
Energy	0.1%	$811,057	2
Real Estate	0.0%	$593,964	1
Basic Materials	0.0%	$251,961	1

Last Quarter's Activity

Export CSV

Sep 30, 2026 vs Jun 30, 2026

Added To

Positions the filer increased

25 positions

Ticker	Company	Δ Shares	Shares	Value
—		+238,608	1,051,844	$0
SPAB	State Street(R) SPDR(R) Portfolio Aggregate Bond ETF	+155,531	4,698,062	$114,444,790
SPIP	State Street(R) SPDR(R) Portfolio TIPS ETF	+106,665	792,541	$19,314,224
SCHP	Schwab U.S. TIPS ETF	+93,295	2,109,038	$53,000,124
BIV	Vanguard Bond Index Funds	+84,532	667,723	$48,650,297
SPSB	State Street(R) SPDR(R) Portfolio Short Term Corporate Bond ETF	+66,958	1,298,352	$38,418,235
VTEB	VANGUARD TAX-EXEMPT BOND INDEX FUND	+64,162	798,303	$37,807,630
SPIB	State Street(R) SPDR(R) Portfolio Intermediate Term Corporate Bond ETF	+54,766	839,619	$27,102,901
DFGR	Dimensional Global Real Estate ETF	+34,420	866,822	$23,447,535
DFSE	Dimensional Emerging Markets Sustainability Core 1 ETF	+24,870	225,438	$10,899,927
DFEM	Dimensional Emerging Markets Core Equity 2 ETF	+17,379	1,007,987	$40,037,243
DFAI	Dimensional International Core Equity Market ETF	+16,088	1,431,600	$59,311,188
DFAT	Dimensional U.S. Targeted Value ETF	+15,700	2,257,538	$149,990,824
DFUS	Dimensional U.S. Equity Market ETF	+13,907	890,197	$73,913,056
VEA	Vanguard FTSE Developed Markets ETF	+9,008	20,423	$1,442,068
BND	VANGUARD TOTAL BOND MARKET INDEX FUND	+6,869	34,520	$2,421,578
VCSH	VANGUARD SHORT-TERM CORPORATE BOND INDEX FUND	+5,891	9,187	$709,695
VWO	VANGUARD EMERGING MARKETS STOCK INDEX FUND	+4,796	25,705	$1,524,563
VCRM	Vanguard Municipal Bond Funds	+4,576	18,919	$1,354,032
DFSU	Dimensional US Sustainability Core 1 ETF	+4,429	394,652	$18,615,734
DFSI	Dimensional International Sustainability Core 1 ETF	+4,099	330,763	$14,940,564
BSV	VANGUARD SHORT-TERM BOND INDEX FUND	+2,999	1,804,387	$137,855,166
VBIL	Vanguard Institutional Index Funds	+2,686	105,214	$7,966,804
AVDV	Avantis International Small Cap Value ETF	+2,563	304,343	$33,289,037
DFEV	Dimensional Emerging Markets Value ETF	+2,483	7,808	$331,059
No positions match the current search.

Trimmed

Positions the filer reduced

25 positions

Ticker	Company	Δ Shares	Shares	Value
SPTI	State Street(R) SPDR(R) Portfolio Intermediate Term Treasury ETF	−76,908	602,083	$16,424,824
DFUV	Dimensional U.S. Marketwide Value ETF	−20,703	1,017,695	$55,973,225
DFAX	Dimensional World ex. U.S. Core Equity 2 ETF	−17,727	268,071	$9,923,988
DFAC	Dimensional U.S. Core Equity 2 ETF	−14,130	169,704	$7,543,342
SUB	iShares Short-Term National Muni Bond ETF	−13,956	450,077	$47,051,049
SGOV	iShares 0-3 Month Treasury Bond ETF	−12,527	37,398	$3,765,230
AVUV	Avantis U.S. Small Cap Value ETF	−10,781	134,832	$15,879,164
DFAE	Dimensional Emerging Core Equity Market ETF	−10,000	176,625	$6,943,128
DFAR	Dimensional US Real Estate ETF	−8,031	417,787	$10,093,733
DFIV	Dimensional International Value ETF	−5,280	688,219	$38,443,913
DFAU	Dimensional US Core Equity Market ETF	−4,823	379,157	$19,852,660
INTC	Intel Corp	−4,769	4,630	$556,664
TIP	iShares TIPS Bond ETF	−4,501	5,299	$551,307
VUSB	VANGUARD ULTRA-SHORT BOND ETF	−3,732	26,607	$1,318,376
DFLV	Dimensional US Large Cap Value ETF	−3,017	35,696	$1,433,908
DFIP	Dimensional Inflation-Protected Securities Portfolio ETF	−2,929	44,971	$1,756,567
DFCA	Dimensional California Municipal Bond ETF	−2,897	20,407	$972,801
AVRE	Avantis Real Estate ETF	−2,877	5,340	$236,829
VCEB	VANGUARD ESG U.S. CORPORATE BOND ETF	−2,605	7,028	$418,728
AVLV	Avantis U.S. Large Cap Value ETF	−2,509	482,434	$43,631,330
DFSV	Dimensional US Small Cap Value ETF	−2,058	49,014	$1,836,554
DISV	Dimensional International Small Cap Value ETF	−2,038	116,437	$5,040,557
PG	PROCTER & GAMBLE Co	−1,950	105,044	$15,260,792
VGSR	Vert Global Sustainable Real Estate ETF	−1,496	577,954	$6,139,027
MU	Micron Technology Inc	−1,236	223	$237,519
No positions match the current search.

New Positions

Positions the filer opened this quarter

11 positions

Ticker	Company	Shares	Value
VSDM	VANGUARD SHORT DURATION TAX-EXEMPT BOND ETF	6,663	$495,593
LRCX	Lam Research Corp	1,233	$405,052
VGSH	VANGUARD SHORT-TERM TREASURY INDEX FUND	5,028	$289,411
IAUM	iShares Gold Trust Micro	6,870	$284,555
HPQ	Hp Inc	7,628	$238,603
VSS	VANGUARD FTSE ALL-WORLD EX-US SMALL-CAP INDEX FUND	1,444	$224,181
MTD	Mettler Toledo International Inc	148	$223,620
BNDX	Vanguard Total International Bond ETF	4,455	$208,805
CVX	Chevron Corp	991	$202,372
QQQM	Invesco Ltd.	1,419	$0
—		970	$0
No positions match the current search.

Sold Out

Positions the filer fully exited

9 positions

Ticker	Company	Shares	Value
DFSD	Dimensional Short-Duration Fixed Income ETF	13,512	$645,198
DFNM	Dimensional National Municipal Bond ETF	6,442	$311,374
IBIE	iShares iBonds Oct 2028 Term TIPS ETF	8,750	$230,125
TGT	Target Corp	1,668	$217,857
CMI	Cummins Inc	305	$217,529
IYR	iShares U.S. Real Estate ETF	2,044	$208,999
JBHT	Hunt J B Transport Services Inc	704	$203,758
CVS	CVS HEALTH Corp	1,962	$202,968
CI	Cigna Group	730	$201,246
No positions match the current search.

Portfolio Positions

Compact Export CSV View 13F filing

205 tracked positions · $1,479,837,137 total · filing declares 205 positions · $1,515,446,115 · as of Sep 30, 2026

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

Showing 1–50 of 205 positions by value · page 1 of 5

Ticker	Company	Type	Shares	Δ Shares	Value (USD)	% Δ Value	% of Portfolio
DFAT	Dimensional U.S. Targeted Value ETF	Added	2,257,538	+15,700	$149,990,824	−4.3%	10.14%
BSV	VANGUARD SHORT-TERM BOND INDEX FUND	Added	1,804,387	+2,999	$137,855,166	−1.8%	9.32%
SPAB	State Street(R) SPDR(R) Portfolio Aggregate Bond ETF	Added	4,698,062	+155,531	$114,444,790	−1.3%	7.73%
DFUS	Dimensional U.S. Equity Market ETF	Added	890,197	+13,907	$73,913,056	+2.9%	4.99%
DFAI	Dimensional International Core Equity Market ETF	Added	1,431,600	+16,088	$59,311,188	+1.6%	4.01%
DFUV	Dimensional U.S. Marketwide Value ETF	Reduced	1,017,695	-20,703	$55,973,225	−2.0%	3.78%
SCHP	Schwab U.S. TIPS ETF	Added	2,109,038	+93,295	$53,000,124	−0.8%	3.58%
BIV	Vanguard Bond Index Funds	Added	667,723	+84,532	$48,650,297	+8.8%	3.29%
SUB	iShares Short-Term National Muni Bond ETF	Reduced	450,077	-13,956	$47,051,049	−4.8%	3.18%
COST	Costco Wholesale Corp Consumer Defensive	Added	48,689	+77	$44,323,544	−2.5%	3.00%
AVLV	Avantis U.S. Large Cap Value ETF	Reduced	482,434	-2,509	$43,631,330	−1.4%	2.95%
DFEM	Dimensional Emerging Markets Core Equity 2 ETF	Added	1,007,987	+17,379	$40,037,243	−0.5%	2.71%
DFIV	Dimensional International Value ETF	Reduced	688,219	-5,280	$38,443,913	+2.6%	2.60%
SPSB	State Street(R) SPDR(R) Portfolio Short Term Corporate Bond ETF	Added	1,298,352	+66,958	$38,418,235	+4.0%	2.60%
VTEB	VANGUARD TAX-EXEMPT BOND INDEX FUND	Added	798,303	+64,162	$37,807,630	+1.8%	2.55%
AVDV	Avantis International Small Cap Value ETF	Added	304,343	+2,563	$33,289,037	+7.0%	2.25%
SPIB	State Street(R) SPDR(R) Portfolio Intermediate Term Corporate Bond ETF	Added	839,619	+54,766	$27,102,901	+3.2%	1.83%
DFGR	Dimensional Global Real Estate ETF	Added	866,822	+34,420	$23,447,535	−2.8%	1.58%
AAPL	Apple Inc. Technology	Added	66,199	+250	$22,045,590	+15.5%	1.49%
DFAU	Dimensional US Core Equity Market ETF	Reduced	379,157	-4,823	$19,852,660	+0.0%	1.34%
SPIP	State Street(R) SPDR(R) Portfolio TIPS ETF	Added	792,541	+106,665	$19,314,224	+9.7%	1.31%
DFSU	Dimensional US Sustainability Core 1 ETF	Added	394,652	+4,429	$18,615,734	+2.3%	1.26%
AVSD	Avantis Responsible International Equity ETF	Added	215,792	+1,086	$17,189,990	+0.2%	1.16%
SPTI	State Street(R) SPDR(R) Portfolio Intermediate Term Treasury ETF	Reduced	602,083	-76,908	$16,424,824	−14.8%	1.11%
AVUV	Avantis U.S. Small Cap Value ETF	Reduced	134,832	-10,781	$15,879,164	−12.6%	1.07%
PG	PROCTER & GAMBLE Co Consumer Defensive	Reduced	105,044	-1,950	$15,260,792	−2.7%	1.03%
DFSI	Dimensional International Sustainability Core 1 ETF	Added	330,763	+4,099	$14,940,564	+1.4%	1.01%
CSCO	Cisco Systems, Inc. Technology	Added	108,139	+16	$11,639,000	−8.4%	0.79%
DFSE	Dimensional Emerging Markets Sustainability Core 1 ETF	Added	225,438	+24,870	$10,899,927	+11.2%	0.74%
AVSE	Avantis Responsible Emerging Markets Equity ETF	Reduced	132,096	-398	$10,450,114	−3.6%	0.71%
DFAR	Dimensional US Real Estate ETF	Reduced	417,787	-8,031	$10,093,733	−9.4%	0.68%
DFAX	Dimensional World ex. U.S. Core Equity 2 ETF	Reduced	268,071	-17,727	$9,923,988	−5.7%	0.67%
AVSU	Avantis Responsible U.S. Equity ETF	Added	100,467	+668	$8,842,100	+0.1%	0.60%
VBIL	Vanguard Institutional Index Funds	Added	105,214	+2,686	$7,966,804	+2.7%	0.54%
DFAC	Dimensional U.S. Core Equity 2 ETF	Reduced	169,704	-14,130	$7,543,342	−7.5%	0.51%
DFAE	Dimensional Emerging Core Equity Market ETF	Reduced	176,625	-10,000	$6,943,128	−7.5%	0.47%
VNQ	VANGUARD REAL ESTATE INDEX FUND	Added	73,122	+91	$6,553,924	−6.9%	0.44%
TSLA	Tesla, Inc. Consumer Cyclical	Reduced	17,639	-1	$6,258,493	−15.6%	0.42%
VGSR	Vert Global Sustainable Real Estate ETF	Reduced	577,954	-1,496	$6,139,027	−6.9%	0.41%
GOOG	Alphabet Inc. Communication Services	Reduced	17,300	-1	$5,894,802	−3.6%	0.40%
ESML	iShares ESG Aware MSCI USA Small-Cap ETF	Reduced	111,144	-983	$5,779,488	−7.8%	0.39%
GOOGL	Alphabet Inc. Communication Services	Added	15,893	+120	$5,468,463	−3.0%	0.37%
DISV	Dimensional International Small Cap Value ETF	Reduced	116,437	-2,038	$5,040,557	+6.0%	0.34%
SGOV	iShares 0-3 Month Treasury Bond ETF	Reduced	37,398	-12,527	$3,765,230	−25.1%	0.25%
MSFT	Microsoft Corp Technology	Added	7,198	+3	$3,691,854	+37.6%	0.25%
VOO	VANGUARD 500 INDEX FUND	Added	5,236	+767	$3,669,702	+19.6%	0.25%
JNJ	Johnson & Johnson Healthcare	Added	13,032	+26	$3,450,091	+4.4%	0.23%
VTI	VANGUARD TOTAL STOCK MARKET INDEX FUND	Added	9,045	+525	$3,385,000	+7.4%	0.23%
DFIC	Dimensional International Core Equity 2 ETF	Reduced	85,990	-794	$3,234,083	+0.0%	0.22%
IJH	iShares Core S&P Mid-Cap ETF	Reduced	38,565	-949	$2,774,751	−8.9%	0.19%

Showing the top 50 of 205 positions. Create a free account to see every position, past quarters, search, filters and CSV export.

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.