Q3 2026 13F · SEC CIK 1632407

Willow Creek Wealth Management Inc.

Wealth managerFiled 2026-10-26 for Q3 2026. Open the filing ↗ · All SEC filings ↗

Reported 13F value: $1.5B
Reported positions: 205
Top holdings a year, 3 yrs: +9.5%
Assets under management: $2.3B

Willow Creek Wealth Management Inc. is a wealth manager that reported 205 positions worth $1.5B in its Q3 2026 13F, filed 2026-10-26. Its largest holdings were Dimensional ETF Trust (DFAT, 9.9%), Vanguard Bd Index Fds (BSV, 9.1%), Spdr Series Trust (SPAB, 7.6%). A portfolio copying its top holdings returned 9.5% a year over the last 3 years, against 22.3% for the S&P 500.

Willow Creek Wealth Management Inc. holdings largest 50 of 205 positions.

Weights are shares of the filer's total reported 13F value, compared with Q2 2026. Share changes may reflect splits; weight changes also reflect price moves. A 13F shows long US-listed positions only, up to 135 days after the fact.

Willow Creek Wealth Management Inc. 13F holdings
Stock	% of 13F value	Q2 2026	Shares	Share change	Reported value
DFATDimensional ETF Trust	9.9%	10.3%	2,257,538	+0.7%	$150.0M
BSVVanguard Bd Index Fds	9.1%	9.2%	1,804,387	+0.2%	$137.9M
SPABSpdr Series Trust	7.6%	7.6%	4,698,062	+3.4%	$114.4M
DFUSDimensional ETF Trust	4.9%	4.7%	890,197	+1.6%	$73.9M
DFAIDimensional ETF Trust	3.9%	3.8%	1,431,600	+1.1%	$59.3M
DFUVDimensional ETF Trust	3.7%	3.8%	1,017,695	-2.0%	$56.0M
SCHPSchwab Strategic Tr	3.5%	3.5%	2,109,038	+4.6%	$53.0M
BIVVanguard Bd Index Fds	3.2%	2.9%	667,723	+14.5%	$48.7M
SUBIshares Tr	3.1%	3.2%	450,077	-3.0%	$47.1M
COSTCostco Wholesale Corporation	2.9%	3.0%	48,689	+0.2%	$44.3M
AVLVAmerican Centy ETF Tr	2.9%	2.9%	482,434	-0.5%	$43.6M
DFEMDimensional ETF Trust	2.6%	2.6%	1,007,987	+1.8%	$40.0M
DFIVDimensional ETF Trust	2.5%	2.5%	688,219	-0.8%	$38.4M
SPSBSpdr Series Trust	2.5%	2.4%	1,298,352	+5.4%	$38.4M
VTEBVanguard Mun Bd Fds	2.5%	2.4%	798,303	+8.7%	$37.8M
AVDVAmerican Centy ETF Tr	2.2%	2.0%	304,343	+0.8%	$33.3M
SPTSSpdr Series Trust	2.0%	1.6%	1,051,844	+29.3%	$30.2M
SPIBSpdr Series Trust	1.8%	1.7%	839,619	+7.0%	$27.1M
DFGRDimensional ETF Trust	1.5%	1.6%	866,822	+4.1%	$23.4M
AAPLApple Inc	1.5%	1.3%	66,199	+0.4%	$22.0M
DFAUDimensional ETF Trust	1.3%	1.3%	379,157	-1.3%	$19.9M
SPIPSpdr Series Trust	1.3%	1.2%	792,541	+15.6%	$19.3M
DFSUDimensional ETF Trust	1.2%	1.2%	394,652	+1.1%	$18.6M
AVSDAvantis Responsible International Equity	1.1%	1.1%	215,792	+0.5%	$17.2M
SPTISpdr Series Trust	1.1%	1.3%	602,083	-11.3%	$16.4M
AVUVAmerican Centy ETF Tr	1.0%	1.2%	134,832	-7.4%	$15.9M
PGProcter & Gamble Co	1.0%	1.0%	105,044	-1.8%	$15.3M
DFSIDimensional ETF Trust	1.0%	1.0%	330,763	+1.3%	$14.9M
CSCOCisco Sys Inc	0.8%	0.8%	108,139	+0.0%	$11.6M
DFSEDimensional ETF Trust	0.7%	0.6%	225,438	+12.4%	$10.9M
AVSEAmerican Centy ETF Tr	0.7%	0.7%	132,096	-0.3%	$10.5M
DFARDfa Invt Dimensions Group in	0.7%	—	417,787	—	$10.1M
DFAXDimensional ETF Trust	0.7%	0.7%	268,071	-6.2%	$9.9M
AVSUAvantis Responsible U.S. Equity ETF	0.6%	0.6%	100,467	+0.7%	$8.8M
VBILVanguard Instl Index Fd	0.5%	0.5%	105,214	+2.6%	$8.0M
DFACDimensional ETF Trust	0.5%	0.5%	169,704	-7.7%	$7.5M
DFAEDimensional ETF Trust	0.5%	0.5%	176,625	-5.4%	$6.9M
VNQVanguard Index Fds	0.4%	0.5%	73,122	+0.1%	$6.6M
TSLATesla Inc	0.4%	0.5%	17,639	-0.0%	$6.3M
VGSRManager Directed Portfolios	0.4%	0.4%	577,954	-0.3%	$6.1M
GOOGAlphabet Inc	0.4%	0.4%	17,300	-0.0%	$5.9M
ESMLIshares Tr	0.4%	0.4%	111,144	-0.9%	$5.8M
GOOGLAlphabet Inc	0.4%	0.4%	15,893	+0.8%	$5.5M
DISVDimensional ETF Trust	0.3%	0.3%	116,437	-1.7%	$5.0M
SGOVIshares Tr	0.2%	0.3%	37,398	-25.1%	$3.8M
MSFTMicrosoft Corp	0.2%	—	7,198	—	$3.7M
VOOVanguard Index Fds	0.2%	0.2%	5,236	+17.2%	$3.7M
JNJJohnson & Johnson	0.2%	0.2%	13,032	+0.2%	$3.5M
VTIVanguard Index Fds	0.2%	0.2%	9,045	+6.2%	$3.4M
DFICDimensional ETF Trust	0.2%	0.2%	85,990	-0.9%	$3.2M

What Willow Creek Wealth Management Inc. bought and sold in Q3 2026, against Q2 2026.

New positions

Q2 2026's filing was too long to tell new positions apart.

Added to

Reduced

Left the top 50

DFAR Dimensional US Realwas 0.7%
IJH Ishares Trwas 0.2%

Share counts compared with the Q2 2026 13F; a split also changes share counts. The latest filing lists more than 50 positions, so a position that left the top 50 may still be held.

How the holdings did against the S&P 500.

1 year: +7.5% /yr; S&P 500 +11.7%
3 years: +9.5% /yr; S&P 500 +22.3%
5 years: +2.1% /yr; S&P 500 +10.6%

A portfolio of the filer's 20 largest 13F positions, weighted by value, bought the trading day after each 13F was filed and held until the next one was: what copying this filer could have earned. 13Fs show long US-listed positions only, so this is an estimate of the stock picks, not the fund's reported returns.

Reported 13F value by quarter.

13F value by quarter
Quarter	13F value	Positions
Q3 2026	$1.5B	205
Q2 2026	$1.5B	203
Q3 2025	$1.2B	180
Q2 2025	$1.1B	167
Q1 2025	$1.0B	155
Q4 2024	$980.9M	153
Q4 2023	$797.8M	145
Q3 2023	$671.6M	131
Q2 2023	$705.9M	145
Q1 2023	$648.3M	132
Q4 2022	$602.3M	131
Q3 2022	$515.3M	118

Questions about Willow Creek Wealth Management Inc.'s portfolio

What stocks does Willow Creek Wealth Management Inc. own?

Willow Creek Wealth Management Inc.'s latest 13F, for Q3 2026 and filed Oct 26, 2026, lists 205 positions worth $1.5B. The largest are Dimensional ETF Trust (DFAT) at 9.9%, Vanguard Bd Index Fds (BSV) at 9.1%, Spdr Series Trust (SPAB) at 7.6%, Dimensional ETF Trust (DFUS) at 4.9% and Dimensional ETF Trust (DFAI) at 3.9%.

What did Willow Creek Wealth Management Inc. buy last quarter?

In Q3 2026, Willow Creek Wealth Management Inc. added Spdr Series Trust (SPTS) (+29.3% shares), Vanguard Index Fds (VOO) (+17.2% shares) and Spdr Series Trust (SPIP) (+15.6% shares), compared with its Q2 2026 filing.

What did Willow Creek Wealth Management Inc. sell last quarter?

In Q3 2026, Willow Creek Wealth Management Inc. cut from its top 50 Dimensional US Real (DFAR), cut from its top 50 Ishares Tr (IJH), Ishares Tr (SGOV) (-25.1% shares), Spdr Series Trust (SPTI) (-11.3% shares) and Dimensional ETF Trust (DFAC) (-7.7% shares), compared with its Q2 2026 filing.

How has Willow Creek Wealth Management Inc.'s portfolio performed?

A portfolio copying Willow Creek Wealth Management Inc.'s 20 largest 13F holdings each quarter, from the day each filing was public, returned +9.5% a year over the last 3 years, against +22.3% for the S&P 500. Over 1 year: +7.5% against +11.7%. Over 5 years: +2.1% a year against +10.6%.

When is Willow Creek Wealth Management Inc.'s next 13F filing due?

13F filings are due 45 days after each quarter ends. Willow Creek Wealth Management Inc.'s filing for the quarter ending Dec 31, 2026 is due by Feb 14, 2027; this page updates the day after it is published.

How much money does Willow Creek Wealth Management Inc. manage?

Willow Creek Wealth Management Inc. reported $2.3B of regulatory assets under management on its latest SEC Form ADV. Its 13F, which covers only US-listed stocks and options, totals $1.5B.