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Willow Creek Wealth Management Inc. — 13F Holdings & Portfolio

CIK 1632407 · latest 13F-HR filed 2025-11-12

Backtest portfolio

Willow Creek Wealth Management Inc. manages $1.21B in 13F-reported U.S. long-equity assets across 180 reported positions as of its 2025-09-30 13F-HR filing. Its largest disclosed positions are DFAT (10.32%), BSV (9.77%), SPAB (8.38%). Quarter over quarter (versus its 2024-09-30 filing) the fund opened 34 new positions and exited 9; 99 existing positions rose in reported value and 25 fell.

AUM is the long-equity portion reported on Form 13F-HR. Excludes short positions, cash, foreign holdings, and non-13F assets. For informational purposes only — not investment advice.

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AUM
$1.21B

Long-equity book

Holdings
180

Distinct positions

Period
2025-09-30

Filed 2025-11-12

Q/Q Activity
+34 / −9 / ↑99 / ↓25

vs 2024-09-30

Portfolio charts

Latest quarter's book, what changed, and how the portfolio has evolved across filings.

Portfolio map

Q3 25
DFAT10.3% · +18%BSV9.8% · +24%SPAB8.4% · +17%DFUS4.9% · +18%DFUV4.0% · -0%DFAI4.0% · +74%SUB3.7% · +25%SCHP3.4% · +206%BIV3.1% · +11%VTEB2.8% · +3%DFIV2.8% · +0%SPSB2.8% · +9%AVLV2.6% · +41%DFEM2.5% · +40%AVDV2.2% · +37%SPIB2.0% · +18%SPTS1.8% · +16%DFGR1.4% · +104%SPTI1.4% · +30%DFAU1.4% · +14%SPIP1.3% · +8%AVSD1.3% · +12%AAPL1.3% · -1%COST1.2% · +0%AVUV1.2% · +41%DFSU1.1% · +69%DFSI0.9% · +78%DFAX0.8% · +0%DFAR0.8% · -10%AVSE0.7% · +36%CSCO0.6% · +4%DFAC0.6% · +21%DFSE0.6% · +71%VNQ0.6% · +3%AVSU0.5% · +43%DFAE0.5% · +18%VBIL0.4% · newVGSR0.4% · +15%ESML0.4% · +16%DISV0.4% · -2%VOO0.3% · +425%GOOG0.3% · -1%GOOGL0.2% · -0%DFIC0.2% · +33%IJH0.2% · +4%WRB0.2% · +0%INTU0.2% · +0%MSFT0.2% · +21%DFAS0.2% · -0%IVV0.2% · -1%TMO0.2% · -0%SPMB0.2% · +0%IWF0.2% · -6%VTI0.2% · +331%BND0.2% · +0%VRSN0.2% · -8%VO0.2% · +283%V0.1% · -0%VUG0.1% · newVGT0.1% · new

Box size = position value; colour = change in share count vs the prior quarter (green added, red trimmed, blue new). Rows split across managers or share classes are combined. Click a box for the stock.

Sector mix

% of 13F value

Sectors from each company's SIC code; funds and ETFs grouped separately.

Biggest buys and sells

Q3 24 → Q3 25

Estimated from the change in shares held × the quarter-end price, so price moves alone don't count as buying. New and exited positions are included.

13F assets and positions

2 quarters

Total reported 13F value (bars) and number of positions (line) each quarter. Value changes include market moves.

Top positions over time

reported value

The eight largest current positions, valued at each quarter end.

Concentration

top 10 = 54.4%

Cumulative share of the portfolio held in the largest N positions.

Firm Profile & Key People

As of the firm’s regulatory filing dated Apr 24, 2026.

Assets Under Management
$2.30B
Discretionary
$2.17B
Employees
23
Accounts
436
Address
825 HIGHWAY 116, NORTH
STE. #5
SEBASTOPOL, CA 95472
Phone
(707) 829-1146
Website
Name Title / Status Ownership Type
ADMIRE, TIMOTHY, MICHAEL ControlPRESIDENT, CEO, PARTNER
since Dec 2020
5–10%Individual
BELLI, HEATHER, CARY ControlCHIEF COMPLIANCE OFFICER, PARTNER
since May 1999
10–25%Individual
DZIEZA, BRUCE, JAY ControlCHAIRMAN OF THE BOARD, PARTNER
since Dec 2020
10–25%Individual
GITTINS, JASON, RICHARD ControlDIRECTOR OF ADVISORY SERVICES, PARTNER
since Feb 2006
10–25%Individual
HANSON, BEVERLY, ANNE ControlASSISTANT COMPLIANCE OFFICER
since Jan 2020
Less than 5%Individual
KEATING, MARK, FRANCIS ControlCHIEF INVESTMENT OFFICER, PARTNER
since Oct 2011
10–25%Individual
NOONAN, KELLY, A ControlCHIEF OPERATING OFFICER, CHEIF FINANCIAL OFFICER, PARTNER
since Feb 2006
10–25%Individual
Ownership & leadership changes · 10 filings with changes since Nov 8, 2011

From the firm’s regulatory filings, newest first. Dates are filing dates: a filing that no longer lists someone does not say when they left.

Mar 25, 2024 filing
  • ChangedHANSON, BEVERLY, ANNE · now a control person
Apr 1, 2021 filing
  • ChangedADMIRE, TIMOTHY, MICHAEL · title ASSISTANT SECRETARY, PARTNER → PRESIDENT, CEO, PARTNER; ownership Less than 5% → 5–10%
  • ChangedBELLI, HEATHER, CARY · title SECRETARY, CHIEF COMPLIANCE OFFICER, PARTNER → CHIEF COMPLIANCE OFFICER, PARTNER
  • ChangedDZIEZA, BRUCE, JAY · title PRESIDENT, PARTNER → CHAIRMAN OF THE BOARD, PARTNER; ownership 50–75% → 10–25%
  • ChangedGITTINS, JASON, RICHARD · title VICE PRESIDENT, PARTNER → DIRECTOR OF ADVISORY SERVICES, PARTNER
  • ChangedKEATING, MARK, FRANCIS · title ASSISTANT SECRETARY, PARTNER → CHIEF INVESTMENT OFFICER, PARTNER
  • ChangedNOONAN, KELLY, A · title TREASURER, CHIEF OPERATING OFFICER, PARTNER → CHIEF OPERATING OFFICER, CHEIF FINANCIAL OFFICER, PARTNER
Apr 29, 2020 filing
  • No longer listedMITCHELL, TERESA, DOUGLAS · ASSISTANT COMPLIANCE OFFICER · Less than 5% · listed since Oct 2011
  • AddedHANSON, BEVERLY, ANNE · ASSISTANT COMPLIANCE OFFICER · Less than 5%
Mar 27, 2019 filing
  • AddedADMIRE, TIMOTHY, MICHAEL · ASSISTANT SECRETARY, PARTNER · Less than 5% · control person
  • ChangedBELLI, HEATHER, CARY · title CHIEF COMPLIANCE OFFICER, PARTNER → SECRETARY, CHIEF COMPLIANCE OFFICER, PARTNER; ownership 5–10% → 10–25%
  • ChangedDZIEZA, BRUCE, JAY · title PRESIDENT → PRESIDENT, PARTNER
  • ChangedKEATING, MARK, FRANCIS · title PARTNER → ASSISTANT SECRETARY, PARTNER; ownership 5–10% → 10–25%
  • ChangedNOONAN, KELLY, A · title CHIEF OPERATING OFFICER, PARTNER → TREASURER, CHIEF OPERATING OFFICER, PARTNER; ownership 5–10% → 10–25%
Mar 20, 2018 filing
  • ChangedGITTINS, JASON, RICHARD · title SECRETARY, PARTNER → VICE PRESIDENT, PARTNER
  • ChangedNOONAN, KELLY, A · title CHIEF FINANCIAL OFFICER, PARTNER → CHIEF OPERATING OFFICER, PARTNER
Mar 27, 2015 filing
  • ChangedMITCHELL, TERESA, DOUGLAS · title DIR OF FINANCIAL PLANNING; ASST COMPLIANCE OFFICER → ASSISTANT COMPLIANCE OFFICER
Apr 25, 2013 filing
  • ChangedGITTINS, JASON, RICHARD · ownership 5–10% → 10–25%
Apr 2, 2013 filing
  • ChangedDZIEZA, BRUCE, JAY · ownership 75% or more → 50–75%
May 3, 2012 filing
  • ChangedGITTINS, JASON, RICHARD · now a control person
  • ChangedNOONAN, KELLY, A · title CHIEF FINANCIAL OFFICER → CHIEF FINANCIAL OFFICER, PARTNER; now a control person
Mar 12, 2012 filing
  • AddedKEATING, MARK, FRANCIS · PARTNER · 5–10% · control person
  • AddedMITCHELL, TERESA, DOUGLAS · DIR OF FINANCIAL PLANNING; ASST COMPLIANCE OFFICER · Less than 5%
  • ChangedBELLI, HEATHER, CARY · title CHIEF COMPLIANCE OFFICER → CHIEF COMPLIANCE OFFICER, PARTNER
  • ChangedGITTINS, JASON, RICHARD · title SECRETARY → SECRETARY, PARTNER
Older changes (1 more filing)
Nov 8, 2011 filing (earliest on record)
  • ListedBELLI, HEATHER, CARY · CHIEF COMPLIANCE OFFICER · 5–10% · control person
  • ListedDZIEZA, BRUCE, JAY · PRESIDENT · 75% or more · control person
  • ListedGITTINS, JASON, RICHARD · SECRETARY · 5–10%
  • ListedNOONAN, KELLY, A · CHIEF FINANCIAL OFFICER · 5–10%

Quarter-over-quarter changes

Changes in reported position value vs the prior 13F, so price moves count too, not just shares bought or sold.

Willow Creek Wealth Management Inc. Holdings (2025-09-30)

Rows tagged Call or Put are options positions, not stock. Per SEC Form 13F-HR, Value shows the notional value of the underlying (shares covered × underlying price), not the option premium. Shares is the number of underlying shares covered (divide by 100 for contract count).

# Issuer Symbol CUSIP Value Weight Shares Type
1 DIMENSIONAL ETF TRUST DFAT 25434V609 $125.3M 10.32% 2,153,099 SH
2 VANGUARD BD INDEX FDS BSV 921937827 $118.7M 9.77% 1,503,962 SH
3 SPDR SERIES TRUST SPAB 78464A649 $101.7M 8.38% 3,934,831 SH
4 DIMENSIONAL ETF TRUST DFUS 25434V401 $59.4M 4.89% 819,697 SH
5 DIMENSIONAL ETF TRUST DFUV 25434V724 $48.3M 3.98% 1,080,534 SH
6 DIMENSIONAL ETF TRUST DFAI 25434V203 $48.0M 3.95% 1,320,407 SH
7 ISHARES TR SUB 464288158 $45.1M 3.71% 421,947 SH
8 SCHWAB STRATEGIC TR SCHP 808524870 $41.7M 3.44% 1,548,759 SH
9 VANGUARD BD INDEX FDS BIV 921937819 $38.2M 3.15% 489,501 SH
10 VANGUARD MUN BD FDS VTEB 922907746 $34.0M 2.80% 679,977 SH
11 DIMENSIONAL ETF TRUST DFIV 25434V807 $33.8M 2.78% 732,358 SH
12 SPDR SERIES TRUST SPSB 78464A474 $33.6M 2.76% 1,107,756 SH
13 AMERICAN CENTY ETF TR AVLV 025072349 $32.1M 2.65% 444,586 SH
14 DIMENSIONAL ETF TRUST DFEM 25434V732 $30.9M 2.54% 962,189 SH
15 AMERICAN CENTY ETF TR AVDV 025072802 $26.6M 2.19% 299,193 SH
16 SPDR SERIES TRUST SPIB 78464A375 $23.7M 1.95% 699,809 SH
17 SPDR SERIES TRUST SPTS 78468R101 $21.9M 1.80% 745,398 SH
18 DIMENSIONAL ETF TRUST DFGR 25434V658 $17.4M 1.44% 638,861 SH
19 SPDR SERIES TRUST SPTI 78464A672 $17.2M 1.41% 593,737 SH
20 DIMENSIONAL ETF TRUST DFAU 25434V104 $16.7M 1.38% 365,649 SH
21 SPDR SERIES TRUST SPIP 78464A656 $16.3M 1.34% 620,526 SH
22 AMERICAN CENTY ETF TR AVSD 025072299 $15.6M 1.28% 217,469 SH
23 APPLE INC AAPL 037833100 $15.5M 1.27% 60,737 SH
24 COSTCO WHSL CORP NEW COST 22160K105 $15.0M 1.23% 16,174 SH
25 AMERICAN CENTY ETF TR AVUV 025072877 $14.5M 1.20% 146,054 SH
26 DIMENSIONAL ETF TRUST DFSU 25434V716 $13.9M 1.14% 326,933 SH
27 DIMENSIONAL ETF TRUST DFSI 25434V690 $10.5M 0.87% 257,374 SH
28 DIMENSIONAL ETF TRUST DFAX 25434V880 $9.4M 0.77% 299,035 SH
29 DIMENSIONAL ETF TRUST DFAR 25434V823 $9.3M 0.77% 391,044 SH
30 AMERICAN CENTY ETF TR AVSE 025072315 $8.7M 0.72% 137,460 SH
31 CISCO SYS INC CSCO 17275R102 $7.4M 0.61% 107,615 SH
32 DIMENSIONAL ETF TRUST DFAC 25434V708 $6.9M 0.57% 179,208 SH
33 DIMENSIONAL ETF TRUST DFSE 25434V682 $6.8M 0.56% 165,745 SH
34 VANGUARD INDEX FDS VNQ 922908553 $6.8M 0.56% 74,034 SH
35 AMERICAN CENTY ETF TR AVSU 025072281 $6.6M 0.55% 89,985 SH
36 DIMENSIONAL ETF TRUST DFAE 25434V302 $6.2M 0.51% 195,526 SH
37 VANGUARD INSTL INDEX FD VBIL 922040845 $5.2M 0.43% 68,843 SH
38 MANAGER DIRECTED PORTFOLIOS VGSR 56170L695 $5.1M 0.42% 474,258 SH
39 ISHARES TR ESML 46435U663 $4.9M 0.41% 109,292 SH
40 DIMENSIONAL ETF TRUST DISV 25434V781 $4.4M 0.36% 123,895 SH
41 VANGUARD INDEX FDS VOO 922908363 $3.1M 0.26% 5,128 SH
42 ALPHABET INC GOOG 02079K107 $3.1M 0.26% 12,790 SH
43 ALPHABET INC GOOGL 02079K305 $3.0M 0.25% 12,412 SH
44 DIMENSIONAL ETF TRUST DFIC 25434V799 $2.9M 0.24% 87,194 SH
45 ISHARES TR IJH 464287507 $2.8M 0.23% 42,223 SH
46 BERKLEY W R CORP WRB 084423102 $2.5M 0.21% 33,010 SH
47 INTUIT INTU 461202103 $2.5M 0.20% 3,591 SH
48 MICROSOFT CORP MSFT 594918104 $2.5M 0.20% 4,730 SH
49 DIMENSIONAL ETF TRUST DFAS 25434V500 $2.4M 0.20% 35,742 SH
50 ISHARES TR IVV 464287200 $2.1M 0.18% 3,208 SH
Filing History
Period Filed AUM Holdings Accession
2025-09-30 2025-11-12 $1.21B 180 0001580642-25-007208
2024-09-30 2025-07-25 $951.3M 155 0001580642-25-004472