Skip to main content
Livermore
Livermore
ZHEN

Willow Creek Wealth Management Inc.

SEC CIK
0001632407
Latest filing
Nov 12, 2025

The latest 13F from Willow Creek Wealth Management Inc. covers Q3 2025 (filed Nov 12, 2025): 180 long positions worth $1.21B. The top 10 holdings make up 54.4% of the portfolio, and the largest is Dimensional U.S. Targeted Value ETF at 10.3%. Livermore has 19 filings on Form 13F from this institution, going back to Q1 2021.

What changed in Q3 2025

Share counts compared with Q2 2025: how many positions were new, added to, reduced or sold out, and the biggest buys and sells. Dollar amounts are estimated at the quarter-end prices implied by the filing.

Full comparison
New
16
Est. +$6.51M
Added
83
Est. +$53.9M
Reduced
41
Est. −$1.92M
Sold out
3
Est. −$3.37M

Top 5 holdings

Share of this quarter's portfolio value

  1. Dimensional U.S. Targeted Value ETF25434V609
    10.3%$125.3M
  2. Vanguard Short-Term Bond ETF921937827
    9.8%$118.7M
  3. State Street SPDR Portfolio Aggregate Bond ETF78464A649
    8.4%$101.7M
  4. Dimensional ETF Trust25434V401
    4.9%$59.4M
  5. Dimensional ETF Trust25434V724
    4.0%$48.3M

Share of portfolio

Top 5 holdings and the other 175 positions, by share of portfolio value

  1. Dimensional U.S. Targeted Value ETF10.3%
  2. Vanguard Short-Term Bond ETF9.8%
  3. State Street SPDR Portfolio Aggregate Bond ETF8.4%
  4. Dimensional ETF Trust4.9%
  5. Dimensional ETF Trust4.0%
  6. Other 175 positions62.7%

Biggest buys

New and added positions, by estimated amount bought

  1. Vanguard Short-Term Bond ETF921937827
    +$7.09MAdded
  2. State Street SPDR Portfolio Aggregate Bond ETF78464A649
    +$6.20MAdded
  3. iShares Tr464288158
    +$4.34MAdded
  4. Dimensional ETF Trust25434V203
    +$4.15MAdded
  5. Dimensional U.S. Targeted Value ETF25434V609
    +$3.14MAdded

Largest weight increases

New and added positions, by percentage points of the portfolio gained

  1. Dimensional ETF Trust25434V203
    +0.20 pp3.8% → 4.0%
  2. Vanguard Instl Index FD922040845
    +0.20 pp0.2% → 0.4%
  3. AAPLApple Inc.
    +0.15 pp1.1% → 1.3%History
  4. Dimensional U.S. Targeted Value ETF25434V609
    +0.13 pp10.2% → 10.3%
  5. Vanguard Morningstar Growth ETF922908736
    +0.13 pp0.0% → 0.1%

Biggest sells

Reduced and sold-out positions, by estimated amount sold

  1. PLPlanet Labs PBC
    −$2.44MSold outHistory
  2. FSLYFastly, Inc.
    −$723.5KSold outHistory
  3. iShares Tr46436E718
    −$280.9KReduced
  4. Dimensional ETF Trust25434V807
    −$257.3KReduced
  5. SNYSanofi
    −$203.0KSold outHistory

Largest weight decreases

Reduced and sold-out positions, by percentage points of the portfolio lost

  1. PLPlanet Labs PBC
    −0.22 pp0.2% → 0.0%History
  2. Dimensional ETF Trust25434V724
    −0.15 pp4.1% → 4.0%
  3. FSLYFastly, Inc.
    −0.07 pp0.1% → 0.0%History
  4. Dimensional ETF Trust25434V807
    −0.06 pp2.8% → 2.8%
  5. iShares Tr46436E718
    −0.04 pp0.2% → 0.1%

Metrics

13F metrics for Q3 2025, computed only from the numbers in the filings. Definitions below.

Portfolio value
$1.21B
+$102.4M (+9.2%) vs. prior quarter
Positions
180
+13 vs. prior quarter
Top 10 concentration
54.4%
Top 10 as share of value
Turnover
0.5%
Q3 2025, one quarter
Average holding period
16.8 quarters
Weighted by value

How these are calculated

  • Portfolio value: the market value of all long positions in the 13F, as reported at quarter end, excluding options.
  • Top 10 concentration: the combined value of the 10 largest positions as a share of portfolio value.
  • Turnover: the smaller of this quarter's estimated purchases and estimated sales, divided by the average of this and last quarter's portfolio value. Estimates multiply the change in shares by the quarter-end price implied by the filing (market value divided by shares); new positions use this quarter's value and sold-out positions last quarter's. Only positions reported in shares count, and it is not calculated when the previous quarter was not filed.
  • Average holding period: how many consecutive quarters each current position has been held (including this one; a quarter without the position or without a filing starts the count over), weighted by this quarter's value. Counting starts with the first 13F in Livermore (Q1 2021), so positions held before then are understated.

13F filings by quarter

19 quarters, going back to Q1 2021. Bars show each quarter's 13F portfolio value; quarters without a filing are left blank.

Peak $1.21B (Q3 2025)

Q1 2021: $272.2MQ2 2021: $419.0MQ3 2021: $451.3MQ4 2021: $483.7MQ1 2022: $497.5MQ2 2022: $539.1MQ3 2022: $515.3MQ4 2022: $602.3MQ1 2023: $648.3MQ2 2023: $705.9MQ3 2023: $671.6MQ4 2023: $797.8MQ1 2024: $855.3MQ2 2024: $879.2MQ3 2024: $951.3MQ4 2024: $980.9MQ1 2025: $1.03BQ2 2025: $1.11BQ3 2025: $1.21B
Q1 2021Q3 2025
13F filings of Willow Creek Wealth Management Inc. by quarter
QuarterFiledPositionsValueTop 3 holdingsChangesFiling
Q3 2025Nov 12, 2025180$1.21BDimensional U.S. Targeted Value ETFVanguard Short-Term Bond ETFState Street SPDR Portfolio Aggregate Bond ETFvs. Q2 2025SEC
Q2 2025Jul 17, 2025167$1.11BDimensional U.S. Targeted Value ETFVanguard Short-Term Bond ETFState Street SPDR Portfolio Aggregate Bond ETFvs. Q1 2025SEC
Q1 2025Jul 17, 2025155$1.03BVanguard Short-Term Bond ETFDimensional U.S. Targeted Value ETFState Street SPDR Portfolio Aggregate Bond ETFvs. Q4 2024SEC
Q4 2024Feb 14, 2025153$980.9MDimensional U.S. Targeted Value ETFVanguard Short-Term Bond ETFState Street SPDR Portfolio Aggregate Bond ETFvs. Q3 2024SEC
Q3 2024Jul 25, 2025155$951.3MDimensional U.S. Targeted Value ETFVanguard Short-Term Bond ETFState Street SPDR Portfolio Aggregate Bond ETFvs. Q2 2024SEC
Q2 2024Jul 25, 2025149$879.2MDimensional U.S. Targeted Value ETFVanguard Short-Term Bond ETFState Street SPDR Portfolio Aggregate Bond ETFvs. Q1 2024SEC
Q1 2024Jul 25, 2025153$855.3MDimensional U.S. Targeted Value ETFVanguard Short-Term Bond ETFState Street SPDR Portfolio Aggregate Bond ETFvs. Q4 2023SEC
Q4 2023Apr 1, 2024145$797.8MDimensional U.S. Targeted Value ETFState Street SPDR Portfolio Aggregate Bond ETFVanguard Short-Term Bond ETFvs. Q3 2023SEC
Q3 2023Nov 20, 2023131$671.6MDimensional U.S. Targeted Value ETFVanguard Short-Term Bond ETFState Street SPDR Portfolio Aggregate Bond ETFvs. Q2 2023SEC
Q2 2023Aug 28, 2023145$705.9MState Street SPDR Portfolio Aggregate Bond ETFDimensional U.S. Targeted Value ETFVanguard Short-Term Bond ETFvs. Q1 2023SEC
Q1 2023Apr 24, 2023132$648.3MState Street SPDR Portfolio Aggregate Bond ETFDimensional U.S. Targeted Value ETFVanguard Short-Term Bond ETFvs. Q4 2022SEC
Q4 2022Mar 1, 2023131$602.3MState Street SPDR Portfolio Aggregate Bond ETFVanguard Short-Term Bond ETFDimensional U.S. Targeted Value ETFvs. Q3 2022SEC
Q3 2022Oct 31, 2022118$515.3MState Street SPDR Portfolio Aggregate Bond ETFVanguard Short-Term Bond ETFDimensional U.S. Targeted Value ETFvs. Q2 2022SEC
Q2 2022Aug 16, 2022123$539.1MState Street SPDR Portfolio Aggregate Bond ETFVanguard Short-Term Bond ETFDimensional U.S. Targeted Value ETFvs. Q1 2022SEC
Q1 2022May 2, 2022118$497.5MState Street SPDR Portfolio Aggregate Bond ETFDimensional U.S. Targeted Value ETFVanguard Short-Term Bond ETFvs. Q4 2021SEC
Q4 2021Mar 24, 2022122$483.7MState Street SPDR Portfolio Aggregate Bond ETFDimensional U.S. Targeted Value ETFVanguard Short-Term Bond ETFvs. Q3 2021SEC
Q3 2021Nov 15, 2021114$451.3MState Street SPDR Portfolio Aggregate Bond ETFDimensional U.S. Targeted Value ETFVanguard Short-Term Bond ETFvs. Q2 2021SEC
Q2 2021Nov 16, 2021112$419.0MState Street SPDR Portfolio Aggregate Bond ETFDimensional U.S. Targeted Value ETFVanguard Short-Term Bond ETFvs. Q1 2021SEC
Q1 2021May 17, 202194$272.2MState Street SPDR Portfolio Aggregate Bond ETFVanguard Short-Term Bond ETFState Street SPDR Portfolio Short Term Corporate Bond ETF–SEC