# EDGAR Filing Document

**Accession Number:** 0001632407
**File Stem:** 0001580642-25-004296
**Filing Date:** 2025-7
**Character Count:** 19323
**Document Hash:** b66b3a2469ffea417cf9051f02139471
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001580642-25-004296.hdr.sgml**: 20250717

**ACCESSION NUMBER**: 0001580642-25-004296

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250331

**FILED AS OF DATE**: 20250717

**DATE AS OF CHANGE**: 20250716

**EFFECTIVENESS DATE**: 20250717

**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:** 251128249

**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:** 03-31-2025

**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  07-02-2025<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:** 155

**Form 13F Information Table Value Total:** $1026902118

      (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 |  | 2018548 | 26757 | SH |  | SOLE |  | 0 | 0 | 26757 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 518448 | 4917 | SH |  | SOLE |  | 0 | 0 | 4917 |
| DANAHER CORPORATION | COM | 235851102 |  | 340300 | 1660 | SH |  | SOLE |  | 0 | 0 | 1660 |
| ISHARES TR | EXPND TEC SC ETF | 464287549 |  | 259498 | 2862 | SH |  | SOLE |  | 0 | 0 | 2862 |
| DISNEY WALT CO | COM | 254687106 |  | 303387 | 3073 | SH |  | SOLE |  | 0 | 0 | 3074 |
| SPDR SER TR | PORTFOLIO INTRMD | 78464A375 |  | 21680358 | 652237 | SH |  | SOLE |  | 0 | 0 | 652237 |
| ISHARES TR | SHRT NAT MUN ETF | 464288158 |  | 38303971 | 362727 | SH |  | SOLE |  | 0 | 0 | 362727 |
| SPDR SER TR | PORTFLI TIPS ETF | 78464A656 |  | 15916848 | 603368 | SH |  | SOLE |  | 0 | 0 | 603368 |
| DIMENSIONAL ETF TRUST | INTL SMALL CAP V | 25434V781 |  | 3681088 | 126411 | SH |  | SOLE |  | 0 | 0 | 126411 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 |  | 595258 | 1086 | SH |  | SOLE |  | 0 | 0 | 1086 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 698558 | 1248 | SH |  | SOLE |  | 0 | 0 | 1249 |
| DIMENSIONAL ETF TRUST | INTERNATNAL VAL | 25434V807 |  | 29300203 | 744415 | SH |  | SOLE |  | 0 | 0 | 744416 |
| ADOBE INC | COM | 00724F101 |  | 290716 | 758 | SH |  | SOLE |  | 0 | 0 | 758 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 15226112 | 16099 | SH |  | SOLE |  | 0 | 0 | 16099 |
| VANGUARD INDEX FDS | LARGE CAP ETF | 922908637 |  | 280677 | 1092 | SH |  | SOLE |  | 0 | 0 | 1092 |
| ISHARES TR | TIPS BD ETF | 464287176 |  | 1102346 | 9923 | SH |  | SOLE |  | 0 | 0 | 9923 |
| PEPSICO INC | COM | 713448108 |  | 399496 | 2664 | SH |  | SOLE |  | 0 | 0 | 2664 |
| DIMENSIONAL ETF TRUST | US CORE EQT MKT | 25434V104 |  | 13271798 | 345260 | SH |  | SOLE |  | 0 | 0 | 345260 |
| NEXTERA ENERGY INC | COM | 65339F101 |  | 248360 | 3503 | SH |  | SOLE |  | 0 | 0 | 3503 |
| DIMENSIONAL ETF TRUST | US SUSTAINABILTY | 25434V716 |  | 12289526 | 343187 | SH |  | SOLE |  | 0 | 0 | 343187 |
| DIMENSIONAL ETF TRUST | EMERGING MKTS CO | 25434V732 |  | 22336896 | 844175 | SH |  | SOLE |  | 0 | 0 | 844176 |
| ACCENTURE PLC IRELAND | SHS CLASS A | G1151C101 |  | 317969 | 1019 | SH |  | SOLE |  | 0 | 0 | 1019 |
| DIMENSIONAL ETF TRUST | INTERNATIONAL | 25434V690 |  | 8379008 | 240155 | SH |  | SOLE |  | 0 | 0 | 240155 |
| PROGRESSIVE CORP | COM | 743315103 |  | 534040 | 1887 | SH |  | SOLE |  | 0 | 0 | 1887 |
| AMAZON COM INC | COM | 023135106 |  | 392506 | 2063 | SH |  | SOLE |  | 0 | 0 | 2063 |
| APPLE INC | COM | 037833100 |  | 13442865 | 60518 | SH |  | SOLE |  | 0 | 0 | 60518 |
| UNION PAC CORP | COM | 907818108 |  | 328731 | 1391 | SH |  | SOLE |  | 0 | 0 | 1392 |
| TEXAS INSTRS INC | COM | 882508104 |  | 391566 | 2179 | SH |  | SOLE |  | 0 | 0 | 2179 |
| NORFOLK SOUTHN CORP | COM | 655844108 |  | 247745 | 1046 | SH |  | SOLE |  | 0 | 0 | 1046 |
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 |  | 106642892 | 1362326 | SH |  | SOLE |  | 0 | 0 | 1362326 |
| DIMENSIONAL ETF TRUST | EMGR CRE EQT MNG | 25434V302 |  | 4678091 | 180691 | SH |  | SOLE |  | 0 | 0 | 180691 |
| ISHARES TR | EAFE SML CP ETF | 464288273 |  | 208569 | 3283 | SH |  | SOLE |  | 0 | 0 | 3283 |
| AMERICAN CENTY ETF TR | US SML CP VALU | 025072877 |  | 10415623 | 119486 | SH |  | SOLE |  | 0 | 0 | 119486 |
| ORACLE CORP | COM | 68389X105 |  | 825578 | 5905 | SH |  | SOLE |  | 0 | 0 | 5905 |
| INTERCONTINENTAL EXCHANGE IN | COM | 45866F104 |  | 384848 | 2231 | SH |  | SOLE |  | 0 | 0 | 2231 |
| WISDOMTREE TR | US LARGECAP DIVD | 97717W307 |  | 422963 | 5329 | SH |  | SOLE |  | 0 | 0 | 5329 |
| SPDR SER TR | PORTFOLIO SH TSR | 78468R101 |  | 20426772 | 698590 | SH |  | SOLE |  | 0 | 0 | 698590 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 899818 | 5280 | SH |  | SOLE |  | 0 | 0 | 5280 |
| CINTAS CORP | COM | 172908105 |  | 311583 | 1516 | SH |  | SOLE |  | 0 | 0 | 1516 |
| INTEL CORP | COM | 458140100 |  | 203630 | 8966 | SH |  | SOLE |  | 0 | 0 | 8967 |
| SPDR SER TR | PORTFLI INTRMDIT | 78464A672 |  | 15115848 | 528896 | SH |  | SOLE |  | 0 | 0 | 528896 |
| AMERICAN CENTY ETF TR | REAL ESTATE ETF | 025072356 |  | 290017 | 6743 | SH |  | SOLE |  | 0 | 0 | 6743 |
| MANAGER DIRECTED PORTFOLIOS | VERT GLB SUST RE | 56170L695 |  | 4517126 | 445475 | SH |  | SOLE |  | 0 | 0 | 445476 |
| WALMART INC | COM | 931142103 |  | 526301 | 5995 | SH |  | SOLE |  | 0 | 0 | 5995 |
| VANGUARD SCOTTSDALE FDS | MTG-BKD SECS ETF | 92206C771 |  | 1270746 | 27440 | SH |  | SOLE |  | 0 | 0 | 27440 |
| ISHARES TR | ESG AWRE 1 5 YR | 46435G243 |  | 1126224 | 45067 | SH |  | SOLE |  | 0 | 0 | 45067 |
| AMERICAN CENTY ETF TR | US EQT ETF | 025072885 |  | 913915 | 9893 | SH |  | SOLE |  | 0 | 0 | 9893 |
| ISHARES INC | ESG AWR MSCI EM | 46434G863 |  | 238988 | 6838 | SH |  | SOLE |  | 0 | 0 | 6838 |
| ISHARES TR | SP SMCP600VL ETF | 464287879 |  | 925714 | 9496 | SH |  | SOLE |  | 0 | 0 | 9496 |
| ISHARES TR | CORE MSCI TOTAL | 46432F834 |  | 413624 | 5925 | SH |  | SOLE |  | 0 | 0 | 5925 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 607029 | 5805 | SH |  | SOLE |  | 0 | 0 | 5805 |
| ISHARES TR | RUSSELL 3000 ETF | 464287689 |  | 366557 | 1154 | SH |  | SOLE |  | 0 | 0 | 1154 |
| CISCO SYS INC | COM | 17275R102 |  | 6397352 | 103668 | SH |  | SOLE |  | 0 | 0 | 103668 |
| VANGUARD WORLD FD | ESG US CORP BD | 921910691 |  | 530919 | 8438 | SH |  | SOLE |  | 0 | 0 | 8438 |
| ISHARES TR | 1 3 YR TREAS BD | 464287457 |  | 225936 | 2731 | SH |  | SOLE |  | 0 | 0 | 2731 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 303164 | 2549 | SH |  | SOLE |  | 0 | 0 | 2549 |
| DIMENSIONAL ETF TRUST | US SMALL CAP ETF | 25434V500 |  | 2142516 | 35858 | SH |  | SOLE |  | 0 | 0 | 35858 |
| SUPER MICRO COMPUTER INC | COM NEW | 86800U302 |  | 354247 | 10346 | SH |  | SOLE |  | 0 | 0 | 10346 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 557611 | 1047 | SH |  | SOLE |  | 0 | 0 | 1047 |
| SANOFI | SPONSORED ADR | 80105N105 |  | 231324 | 4171 | SH |  | SOLE |  | 0 | 0 | 4171 |
| DIMENSIONAL ETF TRUST | US LARGE CAP VAL | 25434V666 |  | 391418 | 12804 | SH |  | SOLE |  | 0 | 0 | 12804 |
| DIMENSIONAL ETF TRUST | GLOBAL REAL EST | 25434V658 |  | 13151043 | 500801 | SH |  | SOLE |  | 0 | 0 | 500801 |
| PLANET LABS PBC | COM CL A | 72703X106 |  | 1352000 | 400000 | SH |  | SOLE |  | 0 | 0 | 400000 |
| GE AEROSPACE | COM NEW | 369604301 |  | 375682 | 1877 | SH |  | SOLE |  | 0 | 0 | 1877 |
| DENTSPLY SIRONA INC | COM | 24906P109 |  | 189738 | 12700 | SH |  | SOLE |  | 0 | 0 | 12700 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 |  | 6269365 | 69244 | SH |  | SOLE |  | 0 | 0 | 69244 |
| SPDR SER TR | PORT MTG BK ETF | 78464A383 |  | 2034884 | 92285 | SH |  | SOLE |  | 0 | 0 | 92285 |
| VISA INC | COM CL A | 92826C839 |  | 1653470 | 4718 | SH |  | SOLE |  | 0 | 0 | 4718 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 489187 | 1891 | SH |  | SOLE |  | 0 | 0 | 1892 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 835100 | 3404 | SH |  | SOLE |  | 0 | 0 | 3404 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 794384 | 4094 | SH |  | SOLE |  | 0 | 0 | 4095 |
| DIMENSIONAL ETF TRUST | US MKTWIDE VALUE | 25434V724 |  | 45164590 | 1095961 | SH |  | SOLE |  | 0 | 0 | 1095962 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 |  | 872122 | 4635 | SH |  | SOLE |  | 0 | 0 | 4635 |
| MARSH  MCLENNAN COS INC | COM | 571748102 |  | 452432 | 1854 | SH |  | SOLE |  | 0 | 0 | 1854 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 650039 | 2931 | SH |  | SOLE |  | 0 | 0 | 2931 |
| VERISIGN INC | COM | 92343E102 |  | 1868991 | 7362 | SH |  | SOLE |  | 0 | 0 | 7362 |
| TJX COS INC NEW | COM | 872540109 |  | 201214 | 1652 | SH |  | SOLE |  | 0 | 0 | 1652 |
| AMERICAN CENTY ETF TR | INTL SMCP VLU | 025072802 |  | 19622367 | 281364 | SH |  | SOLE |  | 0 | 0 | 281365 |
| ISHARES TR | CORE S TTL STK | 464287150 |  | 952532 | 7807 | SH |  | SOLE |  | 0 | 0 | 7807 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 |  | 2246909 | 30591 | SH |  | SOLE |  | 0 | 0 | 30591 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 334152 | 3378 | SH |  | SOLE |  | 0 | 0 | 3378 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 819962 | 2983 | SH |  | SOLE |  | 0 | 0 | 2983 |
| AMERICAN CENTY ETF TR | US LARGE CAP VLU | 025072349 |  | 24891627 | 381714 | SH |  | SOLE |  | 0 | 0 | 381715 |
| ISHARES TR | ESG MSCI KLD 400 | 464288570 |  | 753021 | 7353 | SH |  | SOLE |  | 0 | 0 | 7353 |
| HOME DEPOT INC | COM | 437076102 |  | 340836 | 930 | SH |  | SOLE |  | 0 | 0 | 930 |
| VANGUARD BD INDEX FDS | VANGUARD ULTRA | 92203C303 |  | 1230721 | 24686 | SH |  | SOLE |  | 0 | 0 | 24686 |
| MCKESSON CORP | COM | 58155Q103 |  | 207281 | 308 | SH |  | SOLE |  | 0 | 0 | 308 |
| DIMENSIONAL ETF TRUST | EMERGING MARKETS | 25434V682 |  | 6141885 | 182360 | SH |  | SOLE |  | 0 | 0 | 182360 |
| NETFLIX INC | COM | 64110L106 |  | 217279 | 233 | SH |  | SOLE |  | 0 | 0 | 233 |
| FASTLY INC | CL A | 31188V100 |  | 648825 | 102500 | SH |  | SOLE |  | 0 | 0 | 102500 |
| OREILLY AUTOMOTIVE INC | COM | 67103H107 |  | 467021 | 326 | SH |  | SOLE |  | 0 | 0 | 326 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 435173 | 928 | SH |  | SOLE |  | 0 | 0 | 928 |
| VANGUARD MALVERN FDS | STRM INFPROIDX | 922020805 |  | 716335 | 14355 | SH |  | SOLE |  | 0 | 0 | 14355 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 315550 | 1269 | SH |  | SOLE |  | 0 | 0 | 1269 |
| UNITEDHEALTH GROUP INC | COM | 91324P102 |  | 267113 | 510 | SH |  | SOLE |  | 0 | 0 | 510 |
| ISHARES TR | ESG AWARE MSCI | 46435U663 |  | 4070922 | 105986 | SH |  | SOLE |  | 0 | 0 | 105986 |
| AMERICAN CENTY ETF TR | AVANTIS RESPON U | 025072281 |  | 4246261 | 68092 | SH |  | SOLE |  | 0 | 0 | 68093 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 |  | 261076 | 3307 | SH |  | SOLE |  | 0 | 0 | 3307 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 389301 | 3592 | SH |  | SOLE |  | 0 | 0 | 3592 |
| CAPITAL GROUP GBL GROWTH EQT | SHS CREATION UNI | 14020X104 |  | 278824 | 9842 | SH |  | SOLE |  | 0 | 0 | 9842 |
| DIMENSIONAL ETF TRUST | US TARGETED VLU | 25434V609 |  | 104512732 | 2029767 | SH |  | SOLE |  | 0 | 0 | 2029768 |
| ISHARES TR | 0-3 MNTH TREASRY | 46436E718 |  | 2509295 | 24925 | SH |  | SOLE |  | 0 | 0 | 24926 |
| SCHWAB STRATEGIC TR | US TIPS ETF | 808524870 |  | 34962432 | 1300202 | SH |  | SOLE |  | 0 | 0 | 1300202 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 746058 | 1451 | SH |  | SOLE |  | 0 | 0 | 1452 |
| DIMENSIONAL ETF TRUST | US SMALL CAP VAL | 25434V815 |  | 430245 | 15284 | SH |  | SOLE |  | 0 | 0 | 15284 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 2556722 | 43817 | SH |  | SOLE |  | 0 | 0 | 43817 |
| SPDR SER TR | PORTFOLIO AGRGTE | 78464A649 |  | 91341722 | 3576418 | SH |  | SOLE |  | 0 | 0 | 3576418 |
| MERCK  CO INC | COM | 58933Y105 |  | 371696 | 4141 | SH |  | SOLE |  | 0 | 0 | 4141 |
| MICROSOFT CORP | COM | 594918104 |  | 1554383 | 4140 | SH |  | SOLE |  | 0 | 0 | 4141 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 298801 | 1037 | SH |  | SOLE |  | 0 | 0 | 1037 |
| DIMENSIONAL ETF TRUST | CALIF MUN BD ETF | 25434V633 |  | 256432 | 5170 | SH |  | SOLE |  | 0 | 0 | 5170 |
| ISHARES TR | RUS 1000 ETF | 464287622 |  | 361033 | 1177 | SH |  | SOLE |  | 0 | 0 | 1177 |
| ISHARES TR | RUS MID CAP ETF | 464287499 |  | 347936 | 4090 | SH |  | SOLE |  | 0 | 0 | 4090 |
| STARBUCKS CORP | COM | 855244109 |  | 259448 | 2645 | SH |  | SOLE |  | 0 | 0 | 2645 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 1590963 | 4406 | SH |  | SOLE |  | 0 | 0 | 4406 |
| META PLATFORMS INC | CL A | 30303M102 |  | 393078 | 682 | SH |  | SOLE |  | 0 | 0 | 682 |
| MCDONALDS CORP | COM | 580135101 |  | 303936 | 973 | SH |  | SOLE |  | 0 | 0 | 973 |
| DIMENSIONAL ETF TRUST | INTL CORE EQT MK | 25434V203 |  | 34899576 | 1117501 | SH |  | SOLE |  | 0 | 0 | 1117502 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 2 | 25434V708 |  | 5331199 | 161600 | SH |  | SOLE |  | 0 | 0 | 161600 |
| ISHARES TR | ESG AWRE USD ETF | 46435G193 |  | 803941 | 34863 | SH |  | SOLE |  | 0 | 0 | 34863 |
| DIMENSIONAL ETF TRUST | WORLD EX US CORE | 25434V880 |  | 7949761 | 303426 | SH |  | SOLE |  | 0 | 0 | 303426 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 1922484 | 12432 | SH |  | SOLE |  | 0 | 0 | 12432 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 386969 | 7613 | SH |  | SOLE |  | 0 | 0 | 7613 |
| BANK AMERICA CORP | COM | 060505104 |  | 314811 | 7544 | SH |  | SOLE |  | 0 | 0 | 7544 |
| INVESCO EXCHANGE TRADED FD T | RAFI US 1000 ETF | 46137V613 |  | 638680 | 15805 | SH |  | SOLE |  | 0 | 0 | 15805 |
| AMERICAN CENTY ETF TR | AVANTIS EMGMKT | 025072604 |  | 345785 | 5746 | SH |  | SOLE |  | 0 | 0 | 5747 |
| SPDR SER TR | PORTFOLIO SHORT | 78464A474 |  | 32200498 | 1069784 | SH |  | SOLE |  | 0 | 0 | 1069784 |
| DIMENSIONAL ETF TRUST | US EQUITY MARKET | 25434V401 |  | 44988674 | 743860 | SH |  | SOLE |  | 0 | 0 | 743860 |
| DIMENSIONAL ETF TRUST | INFLATION PROTE | 25434V856 |  | 1514143 | 35956 | SH |  | SOLE |  | 0 | 0 | 35956 |
| DIMENSIONAL ETF TRUST | INTL CORE EQUITY | 25434V799 |  | 2242609 | 80756 | SH |  | SOLE |  | 0 | 0 | 80757 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 2018648 | 12921 | SH |  | SOLE |  | 0 | 0 | 12921 |
| BERKLEY W R CORP | COM | 084423102 |  | 2340595 | 32892 | SH |  | SOLE |  | 0 | 0 | 32892 |
| DIMENSIONAL ETF TRUST | ULTRASHORT FIXED | 25434V591 |  | 290480 | 5726 | SH |  | SOLE |  | 0 | 0 | 5726 |
| HONEYWELL INTL INC | COM | 438516106 |  | 482155 | 2277 | SH |  | SOLE |  | 0 | 0 | 2277 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 222539 | 2722 | SH |  | SOLE |  | 0 | 0 | 2723 |
| SPDR SER TR | SPDR S 500 ETF | 78468R796 |  | 203954 | 4458 | SH |  | SOLE |  | 0 | 0 | 4458 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 516428 | 11410 | SH |  | SOLE |  | 0 | 0 | 11410 |
| VANGUARD BD INDEX FDS | INTERMED TERM | 921937819 |  | 36613493 | 478170 | SH |  | SOLE |  | 0 | 0 | 478170 |
| PUBLIC STORAGE OPER CO | COM | 74460D109 |  | 236140 | 789 | SH |  | SOLE |  | 0 | 0 | 789 |
| HP INC | COM | 40434L105 |  | 219416 | 7924 | SH |  | SOLE |  | 0 | 0 | 7924 |
| ISHARES TR | MSCI USA ESG SLC | 464288802 |  | 882087 | 7679 | SH |  | SOLE |  | 0 | 0 | 7679 |
| ISHARES TR | CORE S ETF | 464287200 |  | 1739149 | 3095 | SH |  | SOLE |  | 0 | 0 | 3095 |
| ELI LILLY  CO | COM | 532457108 |  | 379093 | 459 | SH |  | SOLE |  | 0 | 0 | 459 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 |  | 38462496 | 775141 | SH |  | SOLE |  | 0 | 0 | 775141 |
| AFLAC INC | COM | 001055102 |  | 735411 | 6614 | SH |  | SOLE |  | 0 | 0 | 6614 |
| MORGAN STANLEY | COM NEW | 617446448 |  | 278025 | 2383 | SH |  | SOLE |  | 0 | 0 | 2383 |
| INTUIT | COM | 461202103 |  | 2202382 | 3587 | SH |  | SOLE |  | 0 | 0 | 3587 |
| POLESTAR AUTOMOTIVE HLDG UK | ADS A | 731105201 |  | 16086 | 15320 | SH |  | SOLE |  | 0 | 0 | 15320 |
| DIMENSIONAL ETF TRUST | US REAL ESTATE E | 25434V823 |  | 9049191 | 380698 | SH |  | SOLE |  | 0 | 0 | 380698 |
| AMERICAN CENTY ETF TR | AVANTIS RESPONSI | 025072299 |  | 12201287 | 203422 | SH |  | SOLE |  | 0 | 0 | 203423 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 661363 | 3987 | SH |  | SOLE |  | 0 | 0 | 3988 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 275895 | 1481 | SH |  | SOLE |  | 0 | 0 | 1481 |
| ISHARES TR | GLOBAL 100 ETF | 464287572 |  | 213668 | 2219 | SH |  | SOLE |  | 0 | 0 | 2219 |
| AMERICAN CENTY ETF TR | AVANTIS RESPONSI | 025072315 |  | 5985570 | 116496 | SH |  | SOLE |  | 0 | 0 | 116496 |
| THERMO FISHER SCIENTIFIC INC | COM | 883556102 |  | 2167546 | 4356 | SH |  | SOLE |  | 0 | 0 | 4356 |

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