Willow Creek Wealth Management Inc.

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CIK 1632407

13F portfolio (2025-Q3)

$1.2B

Positions

180

Implied 1Y CAGR

modeled · as filed

Long positions in SEC Section 13(f) securities (US-listed stocks, ADRs and ETFs), largest first · Δ vs 2025-Q2. A lagged quarterly snapshot (filed ≤45 days after quarter-end); excludes shorts, options, cash, and shares listed only on non-US exchanges — foreign companies held via a US listing or ADR (e.g. Alibaba, TSMC) ARE included.

Implied return what this book implies · modeled, not advice methodology →

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As filed = each book applied at its quarter-end (what the reported book did) · As copyable = applied at its statutory 45-day filing deadline (what a 13F follower could have earned).

Computing…

Hypothetical modeled performance constructed with hindsight — not actual results, and not indicative of future results. See the Disclaimer.

Exposures · what this manager owns, by sector & size (2025-Q3)

Holdings

180

Top 5

37.3%

Top 10

54.4%

Effective N

23.1

HHI

0.043

This quarter

16 new · 0 exit →

By sector

Unclassified93.5%

Information Technology3.1%

Consumer Discretionary1.5%

Financials0.8%

Communication Services0.6%

Industrials0.2%

Health Care0.1%

Materials0.1%

Other0.1%

By market cap

Unknown93.5%

Mega (>$200B)5.2%

Large ($10–200B)1.3%

Mid ($2–10B)0.0%

By region

Other93.5%

North America6.5%

By industry group GICS — finer than sector

Industry group	Weight	Names
Unclassified	93.52%	115
Technology Hardware & Equipment	2.18%	8
Specialty Retail	1.42%	6
Software & IT Services	0.70%	4
Software	0.55%	4
Insurance	0.35%	5
Commercial Services & Supplies	0.20%	3
Semiconductors & Semiconductor Equipment	0.18%	5
Pharmaceuticals & Biotechnology	0.12%	3
Banks	0.12%	2
Chemicals	0.07%	2
Electrical Equipment & Components	0.07%	2
Road & Rail	0.07%	3
Capital Markets	0.06%	2
Hotels, Restaurants & Leisure	0.05%	2
Entertainment	0.04%	1
Machinery	0.04%	2
Aerospace & Defense	0.04%	1
Automobiles & Components	0.03%	1
Health Care Equipment & Supplies	0.03%	2
Beverages	0.03%	1
Oil, Gas & Consumable Fuels	0.03%	1
Textiles, Apparel & Luxury Goods	0.03%	1
Media & Entertainment	0.03%	1
Utilities	0.02%	1
Distributors	0.02%	1
Equity Real Estate Investment Trusts (REITs)	0.02%	1

Top holdings

#	Ticker	Name	Sector	Weight
1	DFAT	DIMENSIONAL ETF TRUST	Unclassified	10.32%
2	BSV	VANGUARD BD INDEX FDS	Unclassified	9.77%
3	SPAB	SPDR SERIES TRUST	Unclassified	8.38%
4	DFUS	DIMENSIONAL ETF TRUST	Unclassified	4.89%
5	DFUV	DIMENSIONAL ETF TRUST	Unclassified	3.98%
6	DFAI	DIMENSIONAL ETF TRUST	Unclassified	3.95%
7	SUB	ISHARES TR	Unclassified	3.71%
8	SCHP	SCHWAB STRATEGIC TR	Unclassified	3.44%
9	BIV	VANGUARD BD INDEX FDS	Unclassified	3.15%
10	VTEB	VANGUARD MUN BD FDS	Unclassified	2.80%

66/180 names classified · sector 6.5% of weight · industry 6.5% · mkt cap 6.5%; unclassified names shown, never dropped.

Sector allocation over time · how the GICS mix & top names shifted quarter by quarter

top 5/sector, rest → “Other” · 44 quarters

Information TechnologyAAPL, FSLY, CSCO, TMO, KLAC · other

Consumer DiscretionaryCOST, TSLA, SBUX, SYY, AMZN · other

IndustrialsBALL, EXPO, RHI, HON, GATX · other

FinancialsWRB, WFC, V, HNNA, JPM · other

Communication ServicesGOOGL, GOOG, DIS, META, NFLX

Health CareJNJ, XRAY, SNY, MRK, BDX · other

MaterialsNWL, PG, NKE, PRM

EnergyCVX, XOM

Consumer StaplesPEP, CVS

UtilitiesCWT, NEE

Real EstatePSA, EGP

UnclassifiedBSV, BIV, SPAB, DFAT, TIP · other

Sector is classified on each name's CURRENT fundamentals, not point-in-time — apparent sector drift can reflect the market re-rating a holding, not a manager trade. 13F is a lagged quarterly snapshot of long positions in US-listed securities only — foreign companies held via a US listing or ADR ARE included, but shares listed only on non-US exchanges (plus shorts, options and cash) are not. Latest quarter: 6.5% of the book is sector-classified (unclassified names shown, never dropped).

Style box · size × value-growth placement of the reported book (2025-Q3), classified on current fundamentals (not point-in-time) — load it into PORT to overlay your own portfolio

Only 6% of book weight classified — the grid is NOT representative of the whole book.

holdings, colored by sector (63 classified)Willow Creek Wealth Management Inc. centroid (Large Core)

Information TechnologyConsumer DiscretionaryFinancialsCommunication ServicesIndustrialsHealth CareMaterialsConsumer StaplesEnergyUtilitiesReal Estate

Style box summary for Willow Creek Wealth Management Inc.: centroid Large Core. Heaviest cells: Large Growth 4.0%, Large Core 1.6%, Large Value 0.4%.

Classified: 6.4% of book weight (63/180 names) · unclassified 93.6%: DFAT, BSV, SPAB, DFUS, DFUV, DFAI, SUB, SCHP, BIV, VTEB +107 more. Size: cap 70/20/10 bands; style: value/growth composite on our own metrics — not Morningstar's model.

Contribution holdings-based, any period

No contribution data for this period.

Holdings· 180 positions (2025-Q3) · largest first · Δ vs 2025-Q2

#	Security	Shares	Value	Weight	Δ QoQ
1	DFATDIMENSIONAL ETF TRUST	2,153,099	$125M	10.3%	ADD 3%
2	BSVVANGUARD BD INDEX FDS	1,503,962	$119M	9.8%	ADD 6%
3	SPABSPDR SERIES TRUST	3,934,831	$102M	8.4%	ADD 6%
4	DFUSDIMENSIONAL ETF TRUST	819,697	$59M	4.9%	ADD 3%
5	DFUVDIMENSIONAL ETF TRUST	1,080,534	$48M	4.0%	HOLD
6	DFAIDIMENSIONAL ETF TRUST	1,320,407	$48M	4.0%	ADD 9%
7	SUBISHARES TR	421,947	$45M	3.7%	ADD 11%
8	SCHPSCHWAB STRATEGIC TR	1,548,759	$42M	3.4%	ADD 8%
9	BIVVANGUARD BD INDEX FDS	489,501	$38M	3.1%	ADD 2%
10	VTEBVANGUARD MUN BD FDS	679,977	$34M	2.8%	HOLD
11	DFIVDIMENSIONAL ETF TRUST	732,358	$34M	2.8%	HOLD
12	SPSBSPDR SERIES TRUST	1,107,756	$34M	2.8%	ADD 3%
13	AVLVAMERICAN CENTY ETF TR	444,586	$32M	2.6%	ADD 6%
14	DFEMDIMENSIONAL ETF TRUST	962,189	$31M	2.5%	ADD 6%
15	AVDVAMERICAN CENTY ETF TR	299,193	$27M	2.2%	HOLD
16	SPIBSPDR SERIES TRUST	699,809	$24M	2.0%	ADD 3%
17	SPTSSPDR SERIES TRUST	745,398	$22M	1.8%	ADD 3%
18	DFGRDIMENSIONAL ETF TRUST	638,861	$17M	1.4%	ADD 14%
19	SPTISPDR SERIES TRUST	593,737	$17M	1.4%	ADD 3%
20	DFAUDIMENSIONAL ETF TRUST	365,649	$17M	1.4%	HOLD
21	SPIPSPDR SERIES TRUST	620,526	$16M	1.3%	HOLD
22	AVSDAMERICAN CENTY ETF TR	217,469	$16M	1.3%	HOLD
23	AAPLAPPLE INC	60,737	$15M	1.3%	HOLD
24	COSTCOSTCO WHSL CORP NEW	16,174	$15M	1.2%	HOLD
25	AVUVAMERICAN CENTY ETF TR	146,054	$15M	1.2%	HOLD
26	DFSUDIMENSIONAL ETF TRUST	326,933	$14M	1.1%	ADD 3%
27	DFSIDIMENSIONAL ETF TRUST	257,374	$11M	0.9%	HOLD
28	DFAXDIMENSIONAL ETF TRUST	299,035	$9M	0.8%	HOLD
29	DFARDIMENSIONAL ETF TRUST	391,044	$9M	0.8%	HOLD
30	AVSEAMERICAN CENTY ETF TR	137,460	$9M	0.7%	HOLD
31	CSCOCISCO SYS INC	107,615	$7M	0.6%	HOLD
32	DFACDIMENSIONAL ETF TRUST	179,208	$7M	0.6%	HOLD
33	DFSEDIMENSIONAL ETF TRUST	165,745	$7M	0.6%	HOLD
34	VNQVANGUARD INDEX FDS	74,034	$7M	0.6%	ADD 3%
35	AVSUAMERICAN CENTY ETF TR	89,985	$7M	0.5%	HOLD
36	DFAEDIMENSIONAL ETF TRUST	195,526	$6M	0.5%	ADD 3%
37	VBILVANGUARD INSTL INDEX FD	68,843	$5M	0.4%	ADD 105%
38	VGSRMANAGER DIRECTED PORTFOLIOS	474,258	$5M	0.4%	ADD 5%
39	ESMLISHARES TR	109,292	$5M	0.4%	HOLD
40	DISVDIMENSIONAL ETF TRUST	123,895	$4M	0.4%	HOLD
41	VOOVANGUARD INDEX FDS	5,128	$3M	0.3%	ADD 91%
42	GOOGALPHABET INC	12,790	$3M	0.3%	HOLD
43	GOOGLALPHABET INC	12,412	$3M	0.2%	HOLD
44	DFICDIMENSIONAL ETF TRUST	87,194	$3M	0.2%	HOLD
45	IJHISHARES TR	42,223	$3M	0.2%	HOLD
46	WRBBERKLEY W R CORP	33,010	$3M	0.2%	HOLD
47	INTUINTUIT	3,591	$2M	0.2%	HOLD
48	MSFTMICROSOFT CORP	4,730	$2M	0.2%	ADD 11%
49	DFASDIMENSIONAL ETF TRUST	35,742	$2M	0.2%	HOLD
50	IVVISHARES TR	3,208	$2M	0.2%	ADD 5%
51	TMOTHERMO FISHER SCIENTIFIC INC	4,344	$2M	0.2%	HOLD
52	SPMBSPDR SER TR	92,874	$2M	0.2%	HOLD
53	IWFISHARES TR	4,342	$2M	0.2%	HOLD
54	VTIVANGUARD INDEX FDS	5,997	$2M	0.2%	ADD 49%
55	BNDVANGUARD BD INDEX FDS	25,915	$2M	0.2%	TRIM −2%
56	VRSNVERISIGN INC	6,818	$2M	0.2%	TRIM −5%
57	VOVANGUARD INDEX FDS	6,308	$2M	0.2%	ADD 131%
58	VVISA INC	4,736	$2M	0.1%	HOLD
59	VUGVANGUARD INDEX FDS	3,361	$2M	0.1%	NEW
60	VGTVANGUARD WORLD FD	2,150	$2M	0.1%	ADD 351%
61	SGOVISHARES TR	15,860	$2M	0.1%	TRIM −15%
62	VBVANGUARD INDEX FDS	6,261	$2M	0.1%	ADD 51%
63	DFSVDIMENSIONAL ETF TRUST	48,267	$2M	0.1%	ADD 17%
64	DFIPDIMENSIONAL ETF TRUST	35,724	$2M	0.1%	HOLD
65	ORCLORACLE CORP	5,276	$1M	0.1%	HOLD
66	VMBSVANGUARD SCOTTSDALE FDS	27,440	$1M	0.1%	HOLD
67	ITOTISHARES TR	8,782	$1M	0.1%	ADD 12%
68	VUSBVANGUARD BD INDEX FDS	24,781	$1M	0.1%	HOLD
69	VXUSVANGUARD STAR FDS	16,335	$1M	0.1%	ADD 110%
70	SUSBISHARES TR	46,328	$1M	0.1%	ADD 4%
71	VTIPVANGUARD MALVERN FDS	22,958	$1M	0.1%	ADD 24%
72	VWOVANGUARD INTL EQUITY INDEX F	20,381	$1M	0.1%	ADD 55%
73	JPMJPMORGAN CHASE & CO	3,462	$1M	0.1%	HOLD
74	DFLVDIMENSIONAL ETF TRUST	33,128	$1M	0.1%	HOLD
75	TIPISHARES TR	9,758	$1M	0.1%	HOLD
76	VONVVANGUARD SCOTTSDALE FDS	11,935	$1M	0.1%	ADD 172%
77	IJSISHARES TR	9,496	$1M	0.1%	HOLD
78	SUSAISHARES TR	7,679	$1M	0.1%	HOLD
79	QQQINVESCO QQQ TR	1,701	$1M	0.1%	ADD 44%
80	VHTVANGUARD WORLD FD	3,739	$970,797	0.1%	ADD 141%
81	IWDISHARES TR	4,635	$943,640	0.1%	HOLD
82	DSIISHARES TR	7,361	$927,118	0.1%	HOLD
83	SPYSTATE STR SPDR S&P 500 ETF T	1,373	$915,188	0.1%	HOLD
84	SUSCISHARES TR	34,237	$806,624	0.1%	HOLD
85	VIGVANGUARD SPECIALIZED FUNDS	3,688	$796,043	0.1%	HOLD
86	NVDANVIDIA CORPORATION	4,255	$793,931	0.1%	ADD 14%
87	JNJJOHNSON & JOHNSON	4,242	$786,729	0.1%	ADD 5%
88	AVUSAMERICAN CENTY ETF TR	7,091	$770,792	0.1%	HOLD
89	AFLAFLAC INC	6,599	$737,108	0.1%	HOLD
90	PRFINVESCO EXCHANGE TRADED FD T	15,805	$714,544	0.1%	HOLD
91	DFSDDIMENSIONAL ETF TRUST	14,532	$700,301	0.1%	NEW
92	DFCADIMENSIONAL CALIFORNIA MUNICIPAL BOND ETF	13,951	$695,109	0.1%	HOLD
93	PGPROCTER AND GAMBLE CO	4,322	$664,075	0.1%	ADD 12%
94	MAMASTERCARD INCORPORATED	1,103	$627,397	0.1%	HOLD
95	GLDSPDR GOLD TR	1,741	$618,873	0.1%	ADD 39%
96	WMTWALMART INC	5,995	$617,845	0.1%	HOLD
97	IJRISHARES TR	5,145	$611,380	0.1%	HOLD
98	VCEBVANGUARD WORLD FD	9,282	$595,904	0.0%	ADD 6%
99	BRK.BBERKSHIRE HATHAWAY INC DEL	1,154	$580,162	0.0%	ADD 15%
100	CSMPROSHARES TR	7,389	$565,850	0.0%	NEW
101	GEGE AEROSPACE	1,877	$564,639	0.0%	HOLD
102	MUBISHARES TR	4,985	$530,853	0.0%	HOLD
103	DUSBDIMENSIONAL ETF TRUST	10,441	$530,194	0.0%	ADD 12%
104	AMZNAMAZON COM INC	2,390	$524,772	0.0%	ADD 3%
105	VEAVANGUARD TAX-MANAGED FDS	8,615	$516,211	0.0%	ADD 18%
106	DISDISNEY WALT CO	4,485	$513,628	0.0%	ADD 8%
107	VCSHVANGUARD SCOTTSDALE FDS	6,379	$509,935	0.0%	ADD 63%
108	IHIISHARES TR	8,407	$505,120	0.0%	NEW
109	HONHONEYWELL INTL INC	2,327	$489,834	0.0%	ADD 2%
110	IXUSISHARES TR	5,925	$489,287	0.0%	HOLD
111	PGRPROGRESSIVE CORP	1,887	$465,995	0.0%	HOLD
112	AVEMAMERICAN CENTY ETF TR	6,189	$464,857	0.0%	ADD 7%
113	DLNWISDOMTREE TR	5,329	$463,783	0.0%	HOLD
114	ORLYOREILLY AUTOMOTIVE INC	4,215	$454,419	0.0%	TRIM −14%
115	METAMETA PLATFORMS INC	605	$444,300	0.0%	TRIM −18%
116	IWVISHARES TR	1,144	$433,507	0.0%	HOLD
117	IWBISHARES TR	1,135	$414,820	0.0%	TRIM −4%
118	TSLATESLA INC	900	$400,248	0.0%	NEW
119	TXNTEXAS INSTRS INC	2,146	$394,285	0.0%	HOLD
120	VYMVANGUARD WHITEHALL FDS	2,723	$383,916	0.0%	NEW
121	AVGOBROADCOM INC	1,163	$383,685	0.0%	TRIM −6%
122	HDHOME DEPOT INC	942	$381,689	0.0%	HOLD
123	IBMINTERNATIONAL BUSINESS MACHS	1,298	$366,244	0.0%	HOLD
124	PEPPEPSICO INC	2,572	$361,264	0.0%	TRIM −3%
125	IGMISHARES TR	2,862	$360,469	0.0%	HOLD
126	ICEINTERCONTINENTAL EXCHANGE IN	2,066	$348,080	0.0%	TRIM −7%
127	BACBANK AMERICA CORP	6,718	$346,582	0.0%	HOLD
128	LLYELI LILLY & CO	453	$345,639	0.0%	TRIM −3%
129	MRSHMARSH & MCLENNAN COS INC	1,708	$344,213	0.0%	TRIM −8%
130	MSMORGAN STANLEY	2,157	$342,877	0.0%	TRIM −9%
131	MRKMERCK & CO INC	4,079	$342,350	0.0%	ADD 5%
132	VBRVANGUARD INDEX FDS	1,628	$339,780	0.0%	ADD 8%
133	MCDMCDONALDS CORP	1,116	$339,141	0.0%	ADD 10%
134	AGGISHARES TR	3,378	$338,645	0.0%	HOLD
135	VOTVANGUARD INDEX FDS	1,148	$337,287	0.0%	TRIM −11%
136	CGGOCAPITAL GROUP GBL GROWTH EQT	9,842	$336,301	0.0%	HOLD
137	VVVANGUARD INDEX FDS	1,092	$336,183	0.0%	HOLD
138	DHRDANAHER CORP DEL	1,652	$327,526	0.0%	HOLD
139	AVREAMERICAN CENTY ETF TR	7,345	$326,706	0.0%	ADD 7%
140	VCITVANGUARD SCOTTSDALE FDS	3,766	$316,815	0.0%	TRIM −30%
141	INTCINTEL CORP	9,398	$315,322	0.0%	ADD 5%
142	XOMEXXON MOBIL CORP	2,785	$314,020	0.0%	ADD 5%
143	NSCNORFOLK SOUTHN CORP	1,043	$313,328	0.0%	HOLD
144	CTASCINTAS CORP	1,516	$311,174	0.0%	HOLD
145	IWRISHARES TR	3,187	$307,705	0.0%	TRIM −10%
146	GEVGE VERNOVA INC	500	$307,450	0.0%	HOLD
147	NFLXNETFLIX INC	256	$306,924	0.0%	ADD 8%
148	SMCISUPER MICRO COMPUTER INC	6,346	$304,227	0.0%	TRIM −7%
149	MGCVanguard Mega Cap ETF	1,238	$302,422	0.0%	NEW
150	ESGEISHARES INC	6,838	$296,906	0.0%	HOLD
151	NEENEXTERA ENERGY INC	3,932	$296,861	0.0%	ADD 11%
152	VTVVANGUARD INDEX FDS	1,509	$281,413	0.0%	NEW
153	ETNEATON CORP PLC	748	$279,939	0.0%	HOLD
154	HPQHP INC	9,900	$269,577	0.0%	NEW
155	UNPUNION PAC CORP	1,130	$267,101	0.0%	TRIM −20%
156	ADBEADOBE INC	757	$267,032	0.0%	HOLD
157	IOOIShares S&P Global 100 Index ETF	2,219	$266,302	0.0%	HOLD
158	EFAISHARES TR	2,722	$254,233	0.0%	HOLD
159	CLSCELESTICA INC	1,000	$246,380	0.0%	NEW
160	ACNACCENTURE PLC IRELAND	991	$244,381	0.0%	TRIM −2%
161	SCZISHARES TR	3,173	$243,433	0.0%	HOLD
162	TJXTJX COS INC NEW	1,678	$242,538	0.0%	HOLD
163	MCKMCKESSON CORP	309	$238,715	0.0%	HOLD
164	CGXUCapital Group International Focus - ETF	7,819	$231,599	0.0%	HOLD
165	PSAPUBLIC STORAGE OPER CO	789	$227,903	0.0%	HOLD
166	SHYISHARES TR	2,731	$226,564	0.0%	HOLD
167	CSXCSX CORP	6,140	$218,055	0.0%	HOLD
168	PANWPALO ALTO NETWORKS INC	1,067	$217,263	0.0%	HOLD
169	SPYXSPDR SERIES TRUST	3,953	$216,822	0.0%	TRIM −11%
170	DEDEERE & CO	472	$216,257	0.0%	NEW
171	SBUXSTARBUCKS CORP	2,542	$215,053	0.0%	TRIM −3%
172	BNDXVANGUARD CHARLOTTE FDS	4,334	$214,408	0.0%	ADD 2%
173	PRMPERIMETER SOLUTIONS INC	9,573	$214,339	0.0%	NEW
174	CITHE CIGNA GROUP	723	$208,405	0.0%	HOLD
175	MMM3M CO	1,330	$206,389	0.0%	NEW
176	QQQMINVESCO EXCH TRADED FD TR II	827	$204,368	0.0%	NEW
177	ERTHINVESCO EXCHANGE TRADED FD T	4,241	$202,095	0.0%	NEW
178	VEUVANGUARD INTL EQUITY INDEX F	2,831	$202,048	0.0%	NEW
179	XRAYDENTSPLY SIRONA INC	12,700	$161,163	0.0%	HOLD
180	POLESTAR AUTOMOTIVE HLDG UK	15,320	$14,402	0.0%	HOLD

☆Willow Creek Wealth Management Inc.