# EDGAR Filing Document

**Accession Number:** 0001632407
**File Stem:** 0001580642-25-004472
**Filing Date:** 2025-7
**Character Count:** 19308
**Document Hash:** 5ae3db0b9c73594a14d361c4b57228f5
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001580642-25-004472.hdr.sgml**: 20250725

**ACCESSION NUMBER**: 0001580642-25-004472

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20240930

**FILED AS OF DATE**: 20250725

**DATE AS OF CHANGE**: 20250725

**EFFECTIVENESS DATE**: 20250725

**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:** 251150376

**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:** 09-30-2024

**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  07-24-2025<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:** 149

**Form 13F Information Table Value Total:** $879160451

      (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 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 725683 | 1264 | SH |  | SOLE |  | 0 | 0 | 1265 |
| ISHARES TR | EXPND TEC SC ETF | 464287549 |  | 274580 | 2862 | SH |  | SOLE |  | 0 | 0 | 2862 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 530549 | 4884 | SH |  | SOLE |  | 0 | 0 | 4884 |
| DANAHER CORPORATION | COM | 235851102 |  | 460401 | 1656 | SH |  | SOLE |  | 0 | 0 | 1656 |
| SPDR SER TR | PORTFOLIO INTRMD | 78464A375 |  | 20047438 | 594703 | SH |  | SOLE |  | 0 | 0 | 594703 |
| SPDR SER TR | PORTFLI TIPS ETF | 78464A656 |  | 15171681 | 577309 | SH |  | SOLE |  | 0 | 0 | 577309 |
| DIMENSIONAL ETF TRUST | INTL SMALL CAP V | 25434V781 |  | 3661298 | 125991 | SH |  | SOLE |  | 0 | 0 | 125991 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 |  | 539230 | 1092 | SH |  | SOLE |  | 0 | 0 | 1092 |
| ADOBE INC | COM | 00724F101 |  | 387817 | 749 | SH |  | SOLE |  | 0 | 0 | 749 |
| VANGUARD INDEX FDS | LARGE CAP ETF | 922908637 |  | 356495 | 1354 | SH |  | SOLE |  | 0 | 0 | 1354 |
| DIMENSIONAL ETF TRUST | US CORE EQT MKT | 25434V104 |  | 12772143 | 321797 | SH |  | SOLE |  | 0 | 0 | 321798 |
| TARGET CORP | COM | 87612E106 |  | 259819 | 1667 | SH |  | SOLE |  | 0 | 0 | 1667 |
| APPLE INC | COM | 037833100 |  | 14321077 | 61463 | SH |  | SOLE |  | 0 | 0 | 61464 |
| UNION PAC CORP | COM | 907818108 |  | 349517 | 1418 | SH |  | SOLE |  | 0 | 0 | 1418 |
| NORFOLK SOUTHN CORP | COM | 655844108 |  | 259186 | 1043 | SH |  | SOLE |  | 0 | 0 | 1043 |
| TEXAS INSTRS INC | COM | 882508104 |  | 450116 | 2179 | SH |  | SOLE |  | 0 | 0 | 2179 |
| ISHARES TR | EAFE SML CP ETF | 464288273 |  | 214812 | 3173 | SH |  | SOLE |  | 0 | 0 | 3173 |
| METTLER TOLEDO INTERNATIONAL | COM | 592688105 |  | 221956 | 148 | SH |  | SOLE |  | 0 | 0 | 148 |
| SPDR SER TR | PORTFOLIO SH TSR | 78468R101 |  | 18856633 | 641164 | SH |  | SOLE |  | 0 | 0 | 641164 |
| INTEL CORP | COM | 458140100 |  | 201394 | 8584 | SH |  | SOLE |  | 0 | 0 | 8585 |
| SPDR SER TR | PORTFLI INTRMDIT | 78464A672 |  | 13298757 | 457631 | SH |  | SOLE |  | 0 | 0 | 457631 |
| MANAGER DIRECTED PORTFOLIOS | VERT GLB SUST RE | 56170L695 |  | 4573301 | 411638 | SH |  | SOLE |  | 0 | 0 | 411638 |
| WALMART INC | COM | 931142103 |  | 387681 | 4801 | SH |  | SOLE |  | 0 | 0 | 4801 |
| AMERICAN CENTY ETF TR | REAL ESTATE ETF | 025072356 |  | 409878 | 8694 | SH |  | SOLE |  | 0 | 0 | 8695 |
| AMERICAN CENTY ETF TR | US EQT ETF | 025072885 |  | 726375 | 7634 | SH |  | SOLE |  | 0 | 0 | 7634 |
| ISHARES TR | ESG AWRE 1 5 YR | 46435G243 |  | 1097026 | 43602 | SH |  | SOLE |  | 0 | 0 | 43602 |
| ISHARES TR | SP SMCP600VL ETF | 464287879 |  | 1027879 | 9547 | SH |  | SOLE |  | 0 | 0 | 9547 |
| ISHARES TR | CORE MSCI TOTAL | 46432F834 |  | 447764 | 6165 | SH |  | SOLE |  | 0 | 0 | 6165 |
| ISHARES TR | RUSSELL 3000 ETF | 464287689 |  | 362344 | 1109 | SH |  | SOLE |  | 0 | 0 | 1109 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 302087 | 2577 | SH |  | SOLE |  | 0 | 0 | 2577 |
| DIMENSIONAL ETF TRUST | US SMALL CAP ETF | 25434V500 |  | 2326982 | 35877 | SH |  | SOLE |  | 0 | 0 | 35877 |
| EATON CORP PLC | SHS | G29183103 |  | 235654 | 711 | SH |  | SOLE |  | 0 | 0 | 711 |
| SANOFI | SPONSORED ADR | 80105N105 |  | 240375 | 4171 | SH |  | SOLE |  | 0 | 0 | 4171 |
| PLANET LABS PBC | COM CL A | 72703X106 |  | 908993 | 407620 | SH |  | SOLE |  | 0 | 0 | 407620 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 225195 | 1290 | SH |  | SOLE |  | 0 | 0 | 1290 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 434264 | 1646 | SH |  | SOLE |  | 0 | 0 | 1646 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 701916 | 3328 | SH |  | SOLE |  | 0 | 0 | 3329 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 802737 | 4053 | SH |  | SOLE |  | 0 | 0 | 4053 |
| VERISIGN INC | COM | 92343E102 |  | 1414632 | 7447 | SH |  | SOLE |  | 0 | 0 | 7447 |
| AMERICAN CENTY ETF TR | INTL SMCP VLU | 025072802 |  | 15455812 | 218704 | SH |  | SOLE |  | 0 | 0 | 218704 |
| ISHARES TR | CORE S TTL STK | 464287150 |  | 980715 | 7807 | SH |  | SOLE |  | 0 | 0 | 7807 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 |  | 1945349 | 25900 | SH |  | SOLE |  | 0 | 0 | 25900 |
| AMERICAN CENTY ETF TR | US LARGE CAP VLU | 025072349 |  | 20753466 | 315258 | SH |  | SOLE |  | 0 | 0 | 315258 |
| VANGUARD BD INDEX FDS | VANGUARD ULTRA | 92203C303 |  | 1431430 | 28663 | SH |  | SOLE |  | 0 | 0 | 28663 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 490293 | 1004 | SH |  | SOLE |  | 0 | 0 | 1005 |
| ISHARES TR | ESG AWARE MSCI | 46435U663 |  | 3942371 | 94270 | SH |  | SOLE |  | 0 | 0 | 94270 |
| INVESCO EXCHANGE TRADED FD T | FTSE RAFI 1000 | 46137V613 |  | 642157 | 15805 | SH |  | SOLE |  | 0 | 0 | 15805 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 298864 | 2461 | SH |  | SOLE |  | 0 | 0 | 2461 |
| CAPITAL GROUP GBL GROWTH EQT | SHS CREATION UNI | 14020X104 |  | 296736 | 9842 | SH |  | SOLE |  | 0 | 0 | 9842 |
| DIMENSIONAL ETF TRUST | US SMALL CAP VAL | 25434V815 |  | 462154 | 15005 | SH |  | SOLE |  | 0 | 0 | 15005 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 2543342 | 40811 | SH |  | SOLE |  | 0 | 0 | 40811 |
| SPDR SER TR | PORTFOLIO AGRGTE | 78464A649 |  | 87923751 | 3363571 | SH |  | SOLE |  | 0 | 0 | 3363571 |
| MICROSOFT CORP | COM | 594918104 |  | 1685793 | 3917 | SH |  | SOLE |  | 0 | 0 | 3918 |
| ISHARES TR | RUS 1000 ETF | 464287622 |  | 383241 | 1219 | SH |  | SOLE |  | 0 | 0 | 1219 |
| ISHARES TR | RUS MID CAP ETF | 464287499 |  | 376664 | 4273 | SH |  | SOLE |  | 0 | 0 | 4273 |
| STARBUCKS CORP | COM | 855244109 |  | 280089 | 2873 | SH |  | SOLE |  | 0 | 0 | 2873 |
| META PLATFORMS INC | CL A | 30303M102 |  | 426468 | 745 | SH |  | SOLE |  | 0 | 0 | 745 |
| MCDONALDS CORP | COM | 580135101 |  | 234168 | 769 | SH |  | SOLE |  | 0 | 0 | 769 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 2 | 25434V708 |  | 5083870 | 148261 | SH |  | SOLE |  | 0 | 0 | 148261 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 2061350 | 12429 | SH |  | SOLE |  | 0 | 0 | 12429 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 373736 | 7077 | SH |  | SOLE |  | 0 | 0 | 7077 |
| BANK AMERICA CORP | COM | 060505104 |  | 279427 | 7042 | SH |  | SOLE |  | 0 | 0 | 7042 |
| SPDR SER TR | PORTFOLIO SHORT | 78464A474 |  | 30681271 | 1013252 | SH |  | SOLE |  | 0 | 0 | 1013252 |
| DIMENSIONAL ETF TRUST | US EQUITY MARKET | 25434V401 |  | 43132194 | 693443 | SH |  | SOLE |  | 0 | 0 | 693444 |
| SPDR SER TR | BLOOMBERG 1-3 MO | 78468R663 |  | 6138706 | 66863 | SH |  | SOLE |  | 0 | 0 | 66863 |
| BERKLEY W R CORP | COM | 084423102 |  | 1865850 | 32890 | SH |  | SOLE |  | 0 | 0 | 32890 |
| AGILENT TECHNOLOGIES INC | COM | 00846U101 |  | 240686 | 1621 | SH |  | SOLE |  | 0 | 0 | 1621 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 222193 | 2656 | SH |  | SOLE |  | 0 | 0 | 2657 |
| SPDR SER TR | SPDR S 500 ETF | 78468R796 |  | 218437 | 4623 | SH |  | SOLE |  | 0 | 0 | 4623 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 531470 | 11107 | SH |  | SOLE |  | 0 | 0 | 11107 |
| ISHARES TR | MSCI USA ESG SLC | 464288802 |  | 924321 | 7679 | SH |  | SOLE |  | 0 | 0 | 7679 |
| HP INC | COM | 40434L105 |  | 301918 | 8417 | SH |  | SOLE |  | 0 | 0 | 8417 |
| ISHARES TR | U.S. REAL ES ETF | 464287739 |  | 208222 | 2044 | SH |  | SOLE |  | 0 | 0 | 2044 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 |  | 33832596 | 661827 | SH |  | SOLE |  | 0 | 0 | 661827 |
| AFLAC INC | COM | 001055102 |  | 741234 | 6630 | SH |  | SOLE |  | 0 | 0 | 6630 |
| INTUIT | COM | 461202103 |  | 2227527 | 3587 | SH |  | SOLE |  | 0 | 0 | 3587 |
| MORGAN STANLEY | COM NEW | 617446448 |  | 273005 | 2619 | SH |  | SOLE |  | 0 | 0 | 2619 |
| DIMENSIONAL ETF TRUST | US REAL ESTATE E | 25434V823 |  | 11125342 | 433905 | SH |  | SOLE |  | 0 | 0 | 433906 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 612742 | 3780 | SH |  | SOLE |  | 0 | 0 | 3781 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 297355 | 1481 | SH |  | SOLE |  | 0 | 0 | 1481 |
| DISNEY WALT CO | COM | 254687106 |  | 309812 | 3220 | SH |  | SOLE |  | 0 | 0 | 3221 |
| ISHARES TR | SHRT NAT MUN ETF | 464288158 |  | 35922484 | 338285 | SH |  | SOLE |  | 0 | 0 | 338285 |
| DIMENSIONAL ETF TRUST | INTERNATNAL VAL | 25434V807 |  | 27800930 | 730066 | SH |  | SOLE |  | 0 | 0 | 730066 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 14272085 | 16099 | SH |  | SOLE |  | 0 | 0 | 16099 |
| ISHARES TR | TIPS BD ETF | 464287176 |  | 1140492 | 10324 | SH |  | SOLE |  | 0 | 0 | 10324 |
| PEPSICO INC | COM | 713448108 |  | 386927 | 2275 | SH |  | SOLE |  | 0 | 0 | 2275 |
| DIMENSIONAL ETF TRUST | US SUSTAINABILTY | 25434V716 |  | 7194739 | 193511 | SH |  | SOLE |  | 0 | 0 | 193511 |
| NEXTERA ENERGY INC | COM | 65339F101 |  | 305107 | 3609 | SH |  | SOLE |  | 0 | 0 | 3609 |
| DIMENSIONAL ETF TRUST | EMERGING MKTS CO | 25434V732 |  | 19291871 | 685324 | SH |  | SOLE |  | 0 | 0 | 685324 |
| ACCENTURE PLC IRELAND | SHS CLASS A | G1151C101 |  | 360196 | 1019 | SH |  | SOLE |  | 0 | 0 | 1019 |
| DIMENSIONAL ETF TRUST | INTERNATIONAL | 25434V690 |  | 5166595 | 144580 | SH |  | SOLE |  | 0 | 0 | 144580 |
| PROGRESSIVE CORP | COM | 743315103 |  | 581364 | 2291 | SH |  | SOLE |  | 0 | 0 | 2291 |
| AMAZON COM INC | COM | 023135106 |  | 380672 | 2043 | SH |  | SOLE |  | 0 | 0 | 2043 |
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 |  | 95248391 | 1210425 | SH |  | SOLE |  | 0 | 0 | 1210426 |
| DIMENSIONAL ETF TRUST | EMGR CRE EQT MNG | 25434V302 |  | 4530030 | 165269 | SH |  | SOLE |  | 0 | 0 | 165269 |
| AMERICAN CENTY ETF TR | US SML CP VALU | 025072877 |  | 9928618 | 103477 | SH |  | SOLE |  | 0 | 0 | 103477 |
| INTERCONTINENTAL EXCHANGE IN | COM | 45866F104 |  | 356300 | 2218 | SH |  | SOLE |  | 0 | 0 | 2218 |
| ORACLE CORP | COM | 68389X105 |  | 1006212 | 5905 | SH |  | SOLE |  | 0 | 0 | 5905 |
| WISDOMTREE TR | US LARGECAP DIVD | 97717W307 |  | 425481 | 5416 | SH |  | SOLE |  | 0 | 0 | 5416 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 890768 | 5143 | SH |  | SOLE |  | 0 | 0 | 5143 |
| ISHARES INC | ESG AWR MSCI EM | 46434G863 |  | 248972 | 6838 | SH |  | SOLE |  | 0 | 0 | 6838 |
| ISHARES TR | MSCI KLD400 SOC | 464288570 |  | 800477 | 7358 | SH |  | SOLE |  | 0 | 0 | 7358 |
| CINTAS CORP | COM | 172908105 |  | 312114 | 1516 | SH |  | SOLE |  | 0 | 0 | 1516 |
| VANGUARD SCOTTSDALE FDS | MTG-BKD SECS ETF | 92206C771 |  | 1295442 | 27440 | SH |  | SOLE |  | 0 | 0 | 27440 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 704918 | 6027 | SH |  | SOLE |  | 0 | 0 | 6027 |
| CISCO SYS INC | COM | 17275R102 |  | 5496828 | 103285 | SH |  | SOLE |  | 0 | 0 | 103285 |
| VANGUARD WORLD FD | ESG US CORP BD | 921910691 |  | 463049 | 7137 | SH |  | SOLE |  | 0 | 0 | 7137 |
| ISHARES TR | 1 3 YR TREAS BD | 464287457 |  | 294102 | 3537 | SH |  | SOLE |  | 0 | 0 | 3537 |
| GE AEROSPACE | COM NEW | 369604301 |  | 384137 | 2037 | SH |  | SOLE |  | 0 | 0 | 2037 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 574404 | 1248 | SH |  | SOLE |  | 0 | 0 | 1248 |
| DIMENSIONAL ETF TRUST | US LARGE CAP VAL | 25434V666 |  | 395570 | 12839 | SH |  | SOLE |  | 0 | 0 | 12839 |
| DIMENSIONAL ETF TRUST | GLOBAL REAL EST | 25434V658 |  | 9041896 | 313302 | SH |  | SOLE |  | 0 | 0 | 313302 |
| DENTSPLY SIRONA INC | COM | 24906P109 |  | 343662 | 12700 | SH |  | SOLE |  | 0 | 0 | 12700 |
| SPDR SER TR | PORT MTG BK ETF | 78464A383 |  | 2087450 | 92652 | SH |  | SOLE |  | 0 | 0 | 92652 |
| VISA INC | COM CL A | 92826C839 |  | 1302438 | 4737 | SH |  | SOLE |  | 0 | 0 | 4737 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 |  | 6992613 | 71778 | SH |  | SOLE |  | 0 | 0 | 71778 |
| CAPITAL GROUP INTL FOCUS EQT | SHS CREATION UNI | 14019W109 |  | 210878 | 7819 | SH |  | SOLE |  | 0 | 0 | 7819 |
| DIMENSIONAL ETF TRUST | US MKTWIDE VALUE | 25434V724 |  | 45070604 | 1081089 | SH |  | SOLE |  | 0 | 0 | 1081089 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 |  | 888074 | 4679 | SH |  | SOLE |  | 0 | 0 | 4679 |
| MARSH  MCLENNAN COS INC | COM | 571748102 |  | 432795 | 1940 | SH |  | SOLE |  | 0 | 0 | 1940 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 613425 | 2586 | SH |  | SOLE |  | 0 | 0 | 2586 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 342090 | 3378 | SH |  | SOLE |  | 0 | 0 | 3378 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 393592 | 1390 | SH |  | SOLE |  | 0 | 0 | 1390 |
| HOME DEPOT INC | COM | 437076102 |  | 380483 | 939 | SH |  | SOLE |  | 0 | 0 | 939 |
| DIMENSIONAL ETF TRUST | EMERGING MARKETS | 25434V682 |  | 3435705 | 96999 | SH |  | SOLE |  | 0 | 0 | 96999 |
| OREILLY AUTOMOTIVE INC | COM | 67103H107 |  | 375422 | 326 | SH |  | SOLE |  | 0 | 0 | 326 |
| FASTLY INC | CL A | 31188V100 |  | 775925 | 102500 | SH |  | SOLE |  | 0 | 0 | 102500 |
| UNITEDHEALTH GROUP INC | COM | 91324P102 |  | 297017 | 508 | SH |  | SOLE |  | 0 | 0 | 508 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 290278 | 1313 | SH |  | SOLE |  | 0 | 0 | 1313 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 515534 | 977 | SH |  | SOLE |  | 0 | 0 | 977 |
| VANGUARD MALVERN FDS | STRM INFPROIDX | 922020805 |  | 578308 | 11728 | SH |  | SOLE |  | 0 | 0 | 11728 |
| AMERICAN CENTY ETF TR | AVANTIS RESPON U | 025072281 |  | 4109265 | 62929 | SH |  | SOLE |  | 0 | 0 | 62929 |
| DIMENSIONAL ETF TRUST | US TARGETED VLU | 25434V609 |  | 101583670 | 1826059 | SH |  | SOLE |  | 0 | 0 | 1826059 |
| ISHARES TR | 0-3 MNTH TREASRY | 46436E718 |  | 6559796 | 65129 | SH |  | SOLE |  | 0 | 0 | 65129 |
| SCHWAB STRATEGIC TR | US TIPS ETF | 808524870 |  | 27178504 | 506778 | SH |  | SOLE |  | 0 | 0 | 506778 |
| MERCK  CO INC | COM | 58933Y105 |  | 403933 | 3557 | SH |  | SOLE |  | 0 | 0 | 3557 |
| DIMENSIONAL ETF TRUST | CALIF MUN BD ETF | 25434V633 |  | 227503 | 4489 | SH |  | SOLE |  | 0 | 0 | 4489 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 1726748 | 4600 | SH |  | SOLE |  | 0 | 0 | 4600 |
| DIMENSIONAL ETF TRUST | INTL CORE EQT MK | 25434V203 |  | 24178379 | 760804 | SH |  | SOLE |  | 0 | 0 | 760805 |
| ISHARES TR | ESG AWRE USD ETF | 46435G193 |  | 761708 | 32018 | SH |  | SOLE |  | 0 | 0 | 32018 |
| DIMENSIONAL ETF TRUST | WORLD EX US CORE | 25434V880 |  | 8067023 | 298668 | SH |  | SOLE |  | 0 | 0 | 298668 |
| AMERICAN CENTY ETF TR | AVANTIS EMGMKT | 025072604 |  | 317444 | 4914 | SH |  | SOLE |  | 0 | 0 | 4914 |
| DIMENSIONAL ETF TRUST | INFLATION PROTE | 25434V856 |  | 1561147 | 36924 | SH |  | SOLE |  | 0 | 0 | 36924 |
| DIMENSIONAL ETF TRUST | INTL CORE EQUITY | 25434V799 |  | 1848601 | 65693 | SH |  | SOLE |  | 0 | 0 | 65693 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 2160764 | 12924 | SH |  | SOLE |  | 0 | 0 | 12924 |
| HONEYWELL INTL INC | COM | 438516106 |  | 470679 | 2277 | SH |  | SOLE |  | 0 | 0 | 2277 |
| VANGUARD BD INDEX FDS | INTERMED TERM | 921937819 |  | 34496436 | 440174 | SH |  | SOLE |  | 0 | 0 | 440174 |
| PUBLIC STORAGE OPER CO | COM | 74460D109 |  | 287093 | 789 | SH |  | SOLE |  | 0 | 0 | 789 |
| ELI LILLY  CO | COM | 532457108 |  | 425251 | 480 | SH |  | SOLE |  | 0 | 0 | 480 |
| ISHARES TR | CORE S ETF | 464287200 |  | 1866307 | 3235 | SH |  | SOLE |  | 0 | 0 | 3236 |
| POLESTAR AUTOMOTIVE HLDG UK | ADS A | 731105201 |  | 26350 | 15320 | SH |  | SOLE |  | 0 | 0 | 15320 |
| AMERICAN CENTY ETF TR | AVANTIS RESPONSI | 025072299 |  | 11807067 | 194895 | SH |  | SOLE |  | 0 | 0 | 194895 |
| ISHARES TR | GLOBAL 100 ETF | 464287572 |  | 220036 | 2219 | SH |  | SOLE |  | 0 | 0 | 2219 |
| AMERICAN CENTY ETF TR | AVANTIS RESPONSI | 025072315 |  | 5603000 | 101283 | SH |  | SOLE |  | 0 | 0 | 101283 |
| THERMO FISHER SCIENTIFIC INC | COM | 883556102 |  | 2696965 | 4360 | SH |  | SOLE |  | 0 | 0 | 4360 |

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