# EDGAR Filing Document

**Accession Number:** 0001632407
**File Stem:** 0001580642-25-007208
**Filing Date:** 2025-11
**Character Count:** 21897
**Document Hash:** 3ecf5cdc5639d07bafc2c34c1a7df34b
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001580642-25-007208.hdr.sgml**: 20251112

**ACCESSION NUMBER**: 0001580642-25-007208

**CONFORMED SUBMISSION TYPE**: 13F-HR

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250930

**FILED AS OF DATE**: 20251112

**DATE AS OF CHANGE**: 20251110

**EFFECTIVENESS DATE**: 20251112

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Willow Creek Wealth Management Inc.
- **CENTRAL INDEX KEY:** 0001632407

**ORGANIZATION NAME:**
- **EIN:** 680431551
- **STATE OF INCORPORATION:** CA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-16438
- **FILM NUMBER:** 251467549

**BUSINESS ADDRESS:**
- **STREET 1:** 825 GRAVENSTEIN HWY NO., STE 5
- **CITY:** SEBASTOPOL
- **STATE:** CA
- **ZIP:** 95472
- **BUSINESS PHONE:** 707 829-1146

**MAIL ADDRESS:**
- **STREET 1:** 825 GRAVENSTEIN HWY NO., STE 5
- **CITY:** SEBASTOPOL
- **STATE:** CA
- **ZIP:** 95472

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 09-30-2025

**Check here if Amendment** [ ] **Amendment Number:** 

**This Amendment (Check only one.):** [ ] is a restatement.

[ ] adds new holdings entries.

**Institutional Investment Manager Filing this Report:**

**Name:** Willow Creek Wealth Management Inc.<br>**Address:** 825 Gravenstein Hwy No. Ste 5<br>Sebastopol, CA 95472

**Form 13F File Number:** 028-16438

The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form.

**Person Signing this Report on Behalf of Reporting Manager:**

**Name:** Beverly Hanson<br>**Title:** Assistant Compliance Officer<br>**Phone:** 707-829-1146

**Signature, Place, and Date of Signing:**

/s/ Beverly Hanson  Sebastopol, CA  10-22-2025<br>[Signature]  [City, State]  [Date]

**Report Type (Check only one.):**

[x] **13F HOLDINGS REPORT.** (Check here if all holdings of this reporting manager are reported in this report.)

[ ] **13F NOTICE.** (Check here if no holdings are reported in this report, and all holdings are reported by other reporting manager(s).)

[ ] **13F COMBINATION REPORT.** (Check here if a portion of the holdings for this reporting manager are reported in this report and a portion are reported by other reporting manager(s).)

### Form 13F Summary Page

**Report Summary:**

**Number of Other Included Managers:** 0

**Form 13F Information Table Entry Total:** 180

**Form 13F Information Table Value Total:** $1214266260

      (round to nearest dollar)

**List of Other Included Managers:**

Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report.

[If there are no entries in this list, state “NONE” and omit the column headings and list entries.]

**NONE**

### FORM 13F INFORMATION TABLE

---

|  |  |  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | VOTING AUTHORITY | VOTING AUTHORITY | VOTING AUTHORITY |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | SOLE | SHARED | NONE |
| VANGUARD INSTL INDEX FD | 0-3 MO TREAS BIL | 922040845 |  | 5205574 | 68843 | SH |  | SOLE |  | 0 | 0 | 68843 |
| DEERE  CO | COM | 244199105 |  | 216257 | 472 | SH |  | SOLE |  | 0 | 0 | 473 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 530853 | 4985 | SH |  | SOLE |  | 0 | 0 | 4985 |
| DANAHER CORPORATION | COM | 235851102 |  | 327526 | 1652 | SH |  | SOLE |  | 0 | 0 | 1652 |
| ISHARES TR | EXPND TEC SC ETF | 464287549 |  | 360469 | 2862 | SH |  | SOLE |  | 0 | 0 | 2862 |
| DISNEY WALT CO | COM | 254687106 |  | 513628 | 4485 | SH |  | SOLE |  | 0 | 0 | 4486 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 915188 | 1373 | SH |  | SOLE |  | 0 | 0 | 1374 |
| ISHARES TR | SHRT NAT MUN ETF | 464288158 |  | 45055524 | 421947 | SH |  | SOLE |  | 0 | 0 | 421947 |
| DIMENSIONAL ETF TRUST | INTL SMALL CAP V | 25434V781 |  | 4421813 | 123895 | SH |  | SOLE |  | 0 | 0 | 123895 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 |  | 627397 | 1103 | SH |  | SOLE |  | 0 | 0 | 1103 |
| DIMENSIONAL ETF TRUST | INTERNATNAL VAL | 25434V807 |  | 33776352 | 732358 | SH |  | SOLE |  | 0 | 0 | 732358 |
| ADOBE INC | COM | 00724F101 |  | 267032 | 757 | SH |  | SOLE |  | 0 | 0 | 757 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 14971140 | 16174 | SH |  | SOLE |  | 0 | 0 | 16174 |
| VANGUARD INDEX FDS | LARGE CAP ETF | 922908637 |  | 336183 | 1092 | SH |  | SOLE |  | 0 | 0 | 1092 |
| ISHARES TR | TIPS BD ETF | 464287176 |  | 1085285 | 9758 | SH |  | SOLE |  | 0 | 0 | 9758 |
| PEPSICO INC | COM | 713448108 |  | 361264 | 2572 | SH |  | SOLE |  | 0 | 0 | 2572 |
| DIMENSIONAL ETF TRUST | US CORE EQT MKT | 25434V104 |  | 16732122 | 365649 | SH |  | SOLE |  | 0 | 0 | 365650 |
| NEXTERA ENERGY INC | COM | 65339F101 |  | 296861 | 3932 | SH |  | SOLE |  | 0 | 0 | 3932 |
| DIMENSIONAL ETF TRUST | US SUSTAINABILTY | 25434V716 |  | 13885724 | 326933 | SH |  | SOLE |  | 0 | 0 | 326934 |
| DIMENSIONAL ETF TRUST | EMERGING MKTS CO | 25434V732 |  | 30857403 | 962189 | SH |  | SOLE |  | 0 | 0 | 962189 |
| ISHARES TR | ESG OPTIMIZED | 464288802 |  | 1041656 | 7679 | SH |  | SOLE |  | 0 | 0 | 7679 |
| ACCENTURE PLC IRELAND | SHS CLASS A | G1151C101 |  | 244381 | 991 | SH |  | SOLE |  | 0 | 0 | 991 |
| VANGUARD WORLD FD | HEALTH CAR ETF | 92204A504 |  | 970797 | 3739 | SH |  | SOLE |  | 0 | 0 | 3740 |
| DIMENSIONAL ETF TRUST | INTERNATIONAL | 25434V690 |  | 10539491 | 257374 | SH |  | SOLE |  | 0 | 0 | 257374 |
| PROGRESSIVE CORP | COM | 743315103 |  | 465995 | 1887 | SH |  | SOLE |  | 0 | 0 | 1887 |
| PALO ALTO NETWORKS INC | COM | 697435105 |  | 217263 | 1067 | SH |  | SOLE |  | 0 | 0 | 1067 |
| AMAZON COM INC | COM | 023135106 |  | 524772 | 2390 | SH |  | SOLE |  | 0 | 0 | 2390 |
| APPLE INC | COM | 037833100 |  | 15465507 | 60737 | SH |  | SOLE |  | 0 | 0 | 60737 |
| UNION PAC CORP | COM | 907818108 |  | 267101 | 1130 | SH |  | SOLE |  | 0 | 0 | 1130 |
| NORFOLK SOUTHN CORP | COM | 655844108 |  | 313328 | 1043 | SH |  | SOLE |  | 0 | 0 | 1043 |
| TEXAS INSTRS INC | COM | 882508104 |  | 394285 | 2146 | SH |  | SOLE |  | 0 | 0 | 2146 |
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 |  | 118677715 | 1503962 | SH |  | SOLE |  | 0 | 0 | 1503963 |
| DIMENSIONAL ETF TRUST | EMGR CRE EQT MNG | 25434V302 |  | 6164943 | 195526 | SH |  | SOLE |  | 0 | 0 | 195526 |
| ISHARES TR | U.S. MED DVC ETF | 464288810 |  | 505120 | 8407 | SH |  | SOLE |  | 0 | 0 | 8407 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 1612291 | 3361 | SH |  | SOLE |  | 0 | 0 | 3362 |
| ISHARES TR | EAFE SML CP ETF | 464288273 |  | 243433 | 3173 | SH |  | SOLE |  | 0 | 0 | 3173 |
| SPDR SERIES TRUST | SPDR S 500 ETF | 78468R796 |  | 216822 | 3953 | SH |  | SOLE |  | 0 | 0 | 3953 |
| AMERICAN CENTY ETF TR | US SML CP VALU | 025072877 |  | 14536829 | 146054 | SH |  | SOLE |  | 0 | 0 | 146055 |
| ORACLE CORP | COM | 68389X105 |  | 1483822 | 5276 | SH |  | SOLE |  | 0 | 0 | 5276 |
| INTERCONTINENTAL EXCHANGE IN | COM | 45866F104 |  | 348080 | 2066 | SH |  | SOLE |  | 0 | 0 | 2066 |
| SPDR SERIES TRUST | PORTFOLIO SH TSR | 78468R101 |  | 21855082 | 745398 | SH |  | SOLE |  | 0 | 0 | 745398 |
| WISDOMTREE TR | US LARGECAP DIVD | 97717W307 |  | 463783 | 5329 | SH |  | SOLE |  | 0 | 0 | 5329 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 664075 | 4322 | SH |  | SOLE |  | 0 | 0 | 4322 |
| INVESCO EXCHANGE TRADED FD T | INVESCO MSCI | 46137V407 |  | 202095 | 4241 | SH |  | SOLE |  | 0 | 0 | 4241 |
| CINTAS CORP | COM | 172908105 |  | 311174 | 1516 | SH |  | SOLE |  | 0 | 0 | 1516 |
| ISHARES INC | ESG AWR MSCI EM | 46434G863 |  | 296906 | 6838 | SH |  | SOLE |  | 0 | 0 | 6838 |
| INTEL CORP | COM | 458140100 |  | 315322 | 9398 | SH |  | SOLE |  | 0 | 0 | 9399 |
| WALMART INC | COM | 931142103 |  | 617845 | 5995 | SH |  | SOLE |  | 0 | 0 | 5995 |
| VANGUARD SCOTTSDALE FDS | MTG-BKD SECS ETF | 92206C771 |  | 1288582 | 27440 | SH |  | SOLE |  | 0 | 0 | 27440 |
| AMERICAN CENTY ETF TR | REAL ESTATE ETF | 025072356 |  | 326706 | 7345 | SH |  | SOLE |  | 0 | 0 | 7345 |
| ISHARES TR | ESG AWRE 1 5 YR | 46435G243 |  | 1172562 | 46328 | SH |  | SOLE |  | 0 | 0 | 46328 |
| AMERICAN CENTY ETF TR | US EQT ETF | 025072885 |  | 770792 | 7091 | SH |  | SOLE |  | 0 | 0 | 7091 |
| MANAGER DIRECTED PORTFOLIOS | VERT GLB SUST RE | 56170L695 |  | 5050850 | 474258 | SH |  | SOLE |  | 0 | 0 | 474258 |
| INVESCO EXCH TRADED FD TR II | NASDAQ 100 ETF | 46138G649 |  | 204368 | 827 | SH |  | SOLE |  | 0 | 0 | 827 |
| ISHARES TR | SP SMCP600VL ETF | 464287879 |  | 1050213 | 9496 | SH |  | SOLE |  | 0 | 0 | 9496 |
| ISHARES TR | CORE MSCI TOTAL | 46432F834 |  | 489287 | 5925 | SH |  | SOLE |  | 0 | 0 | 5925 |
| SPDR SERIES TRUST | PORTFOLIO INTRMD | 78464A375 |  | 23716527 | 699809 | SH |  | SOLE |  | 0 | 0 | 699809 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 611380 | 5145 | SH |  | SOLE |  | 0 | 0 | 5145 |
| ISHARES TR | RUSSELL 3000 ETF | 464287689 |  | 433507 | 1144 | SH |  | SOLE |  | 0 | 0 | 1144 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 314020 | 2785 | SH |  | SOLE |  | 0 | 0 | 2785 |
| ISHARES TR | 1 3 YR TREAS BD | 464287457 |  | 226564 | 2731 | SH |  | SOLE |  | 0 | 0 | 2731 |
| CISCO SYS INC | COM | 17275R102 |  | 7363018 | 107615 | SH |  | SOLE |  | 0 | 0 | 107615 |
| VANGUARD WORLD FD | ESG US CORP BD | 921910691 |  | 595904 | 9282 | SH |  | SOLE |  | 0 | 0 | 9282 |
| DIMENSIONAL ETF TRUST | US SMALL CAP ETF | 25434V500 |  | 2446897 | 35742 | SH |  | SOLE |  | 0 | 0 | 35742 |
| SUPER MICRO COMPUTER INC | COM NEW | 86800U302 |  | 304227 | 6346 | SH |  | SOLE |  | 0 | 0 | 6346 |
| SPDR SERIES TRUST | PORT MTG BK ETF | 78464A383 |  | 2084093 | 92874 | SH |  | SOLE |  | 0 | 0 | 92874 |
| BROADCOM INC | COM | 11135F101 |  | 383685 | 1163 | SH |  | SOLE |  | 0 | 0 | 1163 |
| GE AEROSPACE | COM NEW | 369604301 |  | 564639 | 1877 | SH |  | SOLE |  | 0 | 0 | 1877 |
| VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 |  | 202048 | 2831 | SH |  | SOLE |  | 0 | 0 | 2831 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 580162 | 1154 | SH |  | SOLE |  | 0 | 0 | 1154 |
| EATON CORP PLC | SHS | G29183103 |  | 279939 | 748 | SH |  | SOLE |  | 0 | 0 | 748 |
| VANGUARD STAR FDS | VG TL INTL STK F | 921909768 |  | 1200042 | 16335 | SH |  | SOLE |  | 0 | 0 | 16336 |
| DIMENSIONAL ETF TRUST | US LARGE CAP VAL | 25434V666 |  | 1089911 | 33128 | SH |  | SOLE |  | 0 | 0 | 33128 |
| DIMENSIONAL ETF TRUST | GLOBAL REAL EST | 25434V658 |  | 17447305 | 638861 | SH |  | SOLE |  | 0 | 0 | 638861 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 281413 | 1509 | SH |  | SOLE |  | 0 | 0 | 1509 |
| DENTSPLY SIRONA INC | COM | 24906P109 |  | 161163 | 12700 | SH |  | SOLE |  | 0 | 0 | 12700 |
| VISA INC | COM CL A | 92826C839 |  | 1616776 | 4736 | SH |  | SOLE |  | 0 | 0 | 4736 |
| CELESTICA INC | COM | 15101Q207 |  | 246380 | 1000 | SH |  | SOLE |  | 0 | 0 | 1000 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 1853011 | 6308 | SH |  | SOLE |  | 0 | 0 | 6308 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 796043 | 3688 | SH |  | SOLE |  | 0 | 0 | 3689 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 |  | 6768206 | 74034 | SH |  | SOLE |  | 0 | 0 | 74034 |
| CAPITAL GROUP INTL FOCUS EQT | SHS CREATION UNI | 14019W109 |  | 231599 | 7819 | SH |  | SOLE |  | 0 | 0 | 7819 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 1092139 | 3462 | SH |  | SOLE |  | 0 | 0 | 3462 |
| SPDR SERIES TRUST | PORTFLI INTRMDIT | 78464A672 |  | 17158999 | 593737 | SH |  | SOLE |  | 0 | 0 | 593737 |
| DIMENSIONAL ETF TRUST | US MKTWIDE VALUE | 25434V724 |  | 48289105 | 1080534 | SH |  | SOLE |  | 0 | 0 | 1080535 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 |  | 943640 | 4635 | SH |  | SOLE |  | 0 | 0 | 4635 |
| MARSH  MCLENNAN COS INC | COM | 571748102 |  | 344213 | 1708 | SH |  | SOLE |  | 0 | 0 | 1708 |
| VERISIGN INC | COM | 92343E102 |  | 1906108 | 6818 | SH |  | SOLE |  | 0 | 0 | 6818 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 1592105 | 6261 | SH |  | SOLE |  | 0 | 0 | 6261 |
| VANGUARD SCOTTSDALE FDS | VNG RUS1000VAL | 92206C714 |  | 1066653 | 11935 | SH |  | SOLE |  | 0 | 0 | 11935 |
| TJX COS INC NEW | COM | 872540109 |  | 242538 | 1678 | SH |  | SOLE |  | 0 | 0 | 1678 |
| AMERICAN CENTY ETF TR | INTL SMCP VLU | 025072802 |  | 26637231 | 299193 | SH |  | SOLE |  | 0 | 0 | 299194 |
| ISHARES TR | CORE S TTL STK | 464287150 |  | 1279122 | 8782 | SH |  | SOLE |  | 0 | 0 | 8782 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 |  | 1927325 | 25915 | SH |  | SOLE |  | 0 | 0 | 25915 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 338645 | 3378 | SH |  | SOLE |  | 0 | 0 | 3378 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 1968206 | 5997 | SH |  | SOLE |  | 0 | 0 | 5998 |
| AMERICAN CENTY ETF TR | US LARGE CAP VLU | 025072349 |  | 32125795 | 444586 | SH |  | SOLE |  | 0 | 0 | 444586 |
| VANGUARD WORLD FD | MEGA CAP INDEX | 921910873 |  | 302422 | 1238 | SH |  | SOLE |  | 0 | 0 | 1239 |
| ISHARES TR | ESG MSCI KLD 400 | 464288570 |  | 927118 | 7361 | SH |  | SOLE |  | 0 | 0 | 7361 |
| PROSHARES TR | LARGE CAP CRE | 74347R248 |  | 565850 | 7389 | SH |  | SOLE |  | 0 | 0 | 7390 |
| HOME DEPOT INC | COM | 437076102 |  | 381689 | 942 | SH |  | SOLE |  | 0 | 0 | 942 |
| VANGUARD BD INDEX FDS | VANGUARD ULTRA | 92203C303 |  | 1238926 | 24781 | SH |  | SOLE |  | 0 | 0 | 24781 |
| MCKESSON CORP | COM | 58155Q103 |  | 238715 | 309 | SH |  | SOLE |  | 0 | 0 | 309 |
| DIMENSIONAL ETF TRUST | EMERGING MARKETS | 25434V682 |  | 6810462 | 165745 | SH |  | SOLE |  | 0 | 0 | 165745 |
| NETFLIX INC | COM | 64110L106 |  | 306924 | 256 | SH |  | SOLE |  | 0 | 0 | 256 |
| OREILLY AUTOMOTIVE INC | COM | 67103H107 |  | 454419 | 4215 | SH |  | SOLE |  | 0 | 0 | 4215 |
| CSX CORP | COM | 126408103 |  | 218055 | 6140 | SH |  | SOLE |  | 0 | 0 | 6141 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 |  | 383916 | 2723 | SH |  | SOLE |  | 0 | 0 | 2724 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 1021305 | 1701 | SH |  | SOLE |  | 0 | 0 | 1701 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 366244 | 1298 | SH |  | SOLE |  | 0 | 0 | 1298 |
| VANGUARD MALVERN FDS | STRM INFPROIDX | 922020805 |  | 1162367 | 22958 | SH |  | SOLE |  | 0 | 0 | 22958 |
| ISHARES TR | ESG AWARE MSCI | 46435U663 |  | 4926883 | 109292 | SH |  | SOLE |  | 0 | 0 | 109292 |
| 3M CO | COM | 88579Y101 |  | 206389 | 1330 | SH |  | SOLE |  | 0 | 0 | 1330 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 |  | 509935 | 6379 | SH |  | SOLE |  | 0 | 0 | 6380 |
| AMERICAN CENTY ETF TR | AVANTIS RESPON U | 025072281 |  | 6620007 | 89985 | SH |  | SOLE |  | 0 | 0 | 89985 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 793931 | 4255 | SH |  | SOLE |  | 0 | 0 | 4255 |
| TESLA INC | COM | 88160R101 |  | 400248 | 900 | SH |  | SOLE |  | 0 | 0 | 900 |
| CAPITAL GROUP GBL GROWTH EQT | SHS CREATION UNI | 14020X104 |  | 336301 | 9842 | SH |  | SOLE |  | 0 | 0 | 9842 |
| SCHWAB STRATEGIC TR | US TIPS ETF | 808524870 |  | 41739067 | 1548759 | SH |  | SOLE |  | 0 | 0 | 1548759 |
| DIMENSIONAL ETF TRUST | US TARGETED VLU | 25434V609 |  | 125331899 | 2153099 | SH |  | SOLE |  | 0 | 0 | 2153099 |
| ISHARES TR | 0-3 MNTH TREASRY | 46436E718 |  | 1597152 | 15860 | SH |  | SOLE |  | 0 | 0 | 15860 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 3140452 | 5128 | SH |  | SOLE |  | 0 | 0 | 5128 |
| DIMENSIONAL ETF TRUST | US SMALL CAP VAL | 25434V815 |  | 1536821 | 48267 | SH |  | SOLE |  | 0 | 0 | 48267 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 2755473 | 42223 | SH |  | SOLE |  | 0 | 0 | 42223 |
| MERCK  CO INC | COM | 58933Y105 |  | 342350 | 4079 | SH |  | SOLE |  | 0 | 0 | 4079 |
| MICROSOFT CORP | COM | 594918104 |  | 2450274 | 4730 | SH |  | SOLE |  | 0 | 0 | 4731 |
| PERIMETER SOLUTIONS INC | COMMON STOCK | 71385M107 |  | 214339 | 9573 | SH |  | SOLE |  | 0 | 0 | 9573 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 618873 | 1741 | SH |  | SOLE |  | 0 | 0 | 1741 |
| DIMENSIONAL ETF TRUST | CALIF MUN BD ETF | 25434V633 |  | 695109 | 13951 | SH |  | SOLE |  | 0 | 0 | 13951 |
| ISHARES TR | RUS 1000 ETF | 464287622 |  | 414820 | 1135 | SH |  | SOLE |  | 0 | 0 | 1135 |
| SPDR SERIES TRUST | PORTFLI TIPS ETF | 78464A656 |  | 16329142 | 620526 | SH |  | SOLE |  | 0 | 0 | 620526 |
| ISHARES TR | RUS MID CAP ETF | 464287499 |  | 307705 | 3187 | SH |  | SOLE |  | 0 | 0 | 3187 |
| STARBUCKS CORP | COM | 855244109 |  | 215053 | 2542 | SH |  | SOLE |  | 0 | 0 | 2542 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 2033836 | 4342 | SH |  | SOLE |  | 0 | 0 | 4342 |
| SPDR SERIES TRUST | PORTFOLIO AGRGTE | 78464A649 |  | 101715393 | 3934831 | SH |  | SOLE |  | 0 | 0 | 3934831 |
| DIMENSIONAL ETF TRUST | WORLD EX US CORE | 25434V880 |  | 9383718 | 299035 | SH |  | SOLE |  | 0 | 0 | 299035 |
| META PLATFORMS INC | CL A | 30303M102 |  | 444300 | 605 | SH |  | SOLE |  | 0 | 0 | 605 |
| DIMENSIONAL ETF TRUST | INTL CORE EQT MK | 25434V203 |  | 47996826 | 1320407 | SH |  | SOLE |  | 0 | 0 | 1320408 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 2 | 25434V708 |  | 6912063 | 179208 | SH |  | SOLE |  | 0 | 0 | 179208 |
| ISHARES TR | ESG AWRE USD ETF | 46435G193 |  | 806624 | 34237 | SH |  | SOLE |  | 0 | 0 | 34237 |
| DIMENSIONAL ETF TRUST | SHORT DURATION F | 25434V864 |  | 700301 | 14532 | SH |  | SOLE |  | 0 | 0 | 14532 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 3017357 | 12412 | SH |  | SOLE |  | 0 | 0 | 12412 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 516211 | 8615 | SH |  | SOLE |  | 0 | 0 | 8615 |
| BANK AMERICA CORP | COM | 060505104 |  | 346582 | 6718 | SH |  | SOLE |  | 0 | 0 | 6718 |
| INVESCO EXCHANGE TRADED FD T | RAFI US 1000 ETF | 46137V613 |  | 714544 | 15805 | SH |  | SOLE |  | 0 | 0 | 15805 |
| SPDR SERIES TRUST | PORTFOLIO SHORT | 78464A474 |  | 33553953 | 1107756 | SH |  | SOLE |  | 0 | 0 | 1107757 |
| AMERICAN CENTY ETF TR | AVANTIS EMGMKT | 025072604 |  | 464857 | 6189 | SH |  | SOLE |  | 0 | 0 | 6189 |
| MCDONALDS CORP | COM | 580135101 |  | 339141 | 1116 | SH |  | SOLE |  | 0 | 0 | 1116 |
| DIMENSIONAL ETF TRUST | US EQUITY MARKET | 25434V401 |  | 59378918 | 819697 | SH |  | SOLE |  | 0 | 0 | 819698 |
| DIMENSIONAL ETF TRUST | INFLATION PROTE | 25434V856 |  | 1508625 | 35724 | SH |  | SOLE |  | 0 | 0 | 35724 |
| DIMENSIONAL ETF TRUST | INTL CORE EQUITY | 25434V799 |  | 2859106 | 87194 | SH |  | SOLE |  | 0 | 0 | 87194 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 3115005 | 12790 | SH |  | SOLE |  | 0 | 0 | 12790 |
| DIMENSIONAL ETF TRUST | ULTRASHORT FIXED | 25434V591 |  | 530194 | 10441 | SH |  | SOLE |  | 0 | 0 | 10441 |
| BERKLEY W R CORP | COM | 084423102 |  | 2529226 | 33010 | SH |  | SOLE |  | 0 | 0 | 33010 |
| HONEYWELL INTL INC | COM | 438516106 |  | 489834 | 2327 | SH |  | SOLE |  | 0 | 0 | 2327 |
| GE VERNOVA INC | COM | 36828A101 |  | 307450 | 500 | SH |  | SOLE |  | 0 | 0 | 500 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 254233 | 2722 | SH |  | SOLE |  | 0 | 0 | 2723 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 1104256 | 20381 | SH |  | SOLE |  | 0 | 0 | 20381 |
| VANGUARD BD INDEX FDS | INTERMED TERM | 921937819 |  | 38225143 | 489501 | SH |  | SOLE |  | 0 | 0 | 489501 |
| PUBLIC STORAGE OPER CO | COM | 74460D109 |  | 227903 | 789 | SH |  | SOLE |  | 0 | 0 | 789 |
| HP INC | COM | 40434L105 |  | 269577 | 9900 | SH |  | SOLE |  | 0 | 0 | 9900 |
| THE CIGNA GROUP | COM | 125523100 |  | 208405 | 723 | SH |  | SOLE |  | 0 | 0 | 723 |
| ISHARES TR | CORE S ETF | 464287200 |  | 2147772 | 3208 | SH |  | SOLE |  | 0 | 0 | 3209 |
| ELI LILLY  CO | COM | 532457108 |  | 345639 | 453 | SH |  | SOLE |  | 0 | 0 | 453 |
| VANGUARD WORLD FD | INF TECH ETF | 92204A702 |  | 1605717 | 2150 | SH |  | SOLE |  | 0 | 0 | 2151 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 |  | 34046448 | 679977 | SH |  | SOLE |  | 0 | 0 | 679977 |
| AFLAC INC | COM | 001055102 |  | 737108 | 6599 | SH |  | SOLE |  | 0 | 0 | 6599 |
| INTUIT | COM | 461202103 |  | 2452330 | 3591 | SH |  | SOLE |  | 0 | 0 | 3591 |
| MORGAN STANLEY | COM NEW | 617446448 |  | 342877 | 2157 | SH |  | SOLE |  | 0 | 0 | 2157 |
| VANGUARD CHARLOTTE FDS | TOTAL INT BD ETF | 92203J407 |  | 214408 | 4334 | SH |  | SOLE |  | 0 | 0 | 4335 |
| VANGUARD INDEX FDS | MCAP GR IDXVIP | 922908538 |  | 337287 | 1148 | SH |  | SOLE |  | 0 | 0 | 1148 |
| VANGUARD SCOTTSDALE FDS | INT-TERM CORP | 92206C870 |  | 316815 | 3766 | SH |  | SOLE |  | 0 | 0 | 3767 |
| POLESTAR AUTOMOTIVE HLDG UK | ADS A | 731105201 |  | 14402 | 15320 | SH |  | SOLE |  | 0 | 0 | 15320 |
| DIMENSIONAL ETF TRUST | US REAL ESTATE E | 25434V823 |  | 9326399 | 391044 | SH |  | SOLE |  | 0 | 0 | 391044 |
| AMERICAN CENTY ETF TR | AVANTIS RESPONSI | 025072299 |  | 15559968 | 217469 | SH |  | SOLE |  | 0 | 0 | 217470 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 786729 | 4242 | SH |  | SOLE |  | 0 | 0 | 4243 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 339780 | 1628 | SH |  | SOLE |  | 0 | 0 | 1628 |
| AMERICAN CENTY ETF TR | AVANTIS RESPONSI | 025072315 |  | 8737985 | 137460 | SH |  | SOLE |  | 0 | 0 | 137461 |
| ISHARES TR | GLOBAL 100 ETF | 464287572 |  | 266302 | 2219 | SH |  | SOLE |  | 0 | 0 | 2219 |
| THERMO FISHER SCIENTIFIC INC | COM | 883556102 |  | 2106927 | 4344 | SH |  | SOLE |  | 0 | 0 | 4344 |

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