Willow Creek Wealth Management Inc.

RIA/Wealth

Willow Creek Wealth Management Inc. is a RIA/Wealth based in Rogers, AR led by Steven Michael Schmitt, managing $1.2B across 179 long positions as of Q3 2025 with 93% ETF concentration, 55% concentrated in top 10 holdings, and minimal technology exposure.

Managing PartnerSteven Michael Schmitt

Portfolio Value: $1.2B
Positions: 179
Top Holding: DFAT at 10.37%
Last Reported: Q3 2025

Address2860 West Walnut Street, Suite 100, Rogers, AR, 72756, United States

Top Holdings

Largest long holdings in Willow Creek Wealth Management Inc.'s portfolio (54.6% of total portfolio)

See all holdings

GthenH

Holding	Sector	Position	Weight	Traded	Ownership	Owned Since
1 Dimensional U.S. Targeted Value DFAT	ETF ETF	$125.3M	10.37%	+$3.1M Bought	— 2.2M shares	Q2 2021 Held for 4y 5m
2 Vanguard Short-Term Bond BSV	ETF ETF	$118.7M	9.82%	+$7.1M Bought	— 1.5M shares	Q4 2014 Held for 10y 11m
3 SPDR Portfolio Aggregate Bond SPAB	ETF ETF	$101.7M	8.41%	+$6.2M Bought	— 3.9M shares	Q1 2018 Held for 7y 8m
4 Dimensional U.S. Equity DFUS	ETF ETF	$59.4M	4.91%	+$1.7M Bought	— 819.7K shares	Q2 2021 Held for 4y 5m
5 DFUV Dimensional US Marketwide Value DFUV	ETF ETF	$48.3M	3.99%	-$202.8K Sold	— 1.1M shares	Q2 2022 Held for 3y 5m
6 Dimensional International Core Equity Market DFAI	ETF ETF	$48.0M	3.97%	+$4.2M Bought	— 1.3M shares	Q1 2021 Held for 4y 8m
7 iShares Short-Term National Muni Bond SUB	ETF ETF	$45.1M	3.73%	+$4.3M Bought	— 421.9K shares	Q4 2022 Held for 2y 11m
8 Schwab U.S. TIPS SCHP	ETF ETF	$41.7M	3.45%	+$2.9M Bought	— 1.5M shares	Q1 2020 Held for 5y 8m
9 Vanguard Intermediate-Term Bond BIV	ETF ETF	$38.2M	3.16%	+$808.0K Bought	— 489.5K shares	Q4 2014 Held for 10y 11m
10 Vanguard Tax-Exempt Bond Index Fund VTEB	ETF ETF	$34.0M	2.82%	+$236.0K Bought	— 680.0K shares	Q1 2023 Held for 2y 8m

See all holdings

GthenH

Changes

Portfolio activity, position movements, and quarter-over-quarter changes in Willow Creek Wealth Management Inc.'s latest filing

See all changes

GthenC

Market Value

$1.2B

Prior: $1.1B

Q/Q Change

+8.99%

+$99.8M

Net Flows % of MV

+4.19%

Turnover Ratio

2.61%

New Purchases

9 stocks

$4.7M

Added To

82 stocks

+$51.3M

Sold Out Of

3 stocks

$3.4M

Reduced Holdings

41 stocks

-$1.9M

Increased Positions

Position	Shares Δ	Change
1 Vanguard Growth VUG	New	0 → 3.4K +$1.6M
2 DFSD Dimensional Short-Duration Fixed Income DFSD	New	0 → 14.5K +$700.3K
3 ProShares Large Cap Core Plus CSM	New	0 → 7.4K +$565.9K
4 iShares U.S. Medical Devices IHI	New	0 → 8.4K +$505.1K
5 Vanguard High Dividend Yield VYM	New	0 → 2.7K +$383.9K

Decreased Positions

Position	Shares Δ	Change
1 Planet Labs PL	Sold	400.0K → 0 −$2.4M
2 Fastly, Inc. FSLY	Sold	102.5K → 0 −$723.5K
3 SNY Sanofi SNY	Sold	4.2K → 0 −$203.0K
4 Vanguard Intermediate-Term Corporate Bond VCIT	-30.23%	5.4K → 3.8K −$137.3K
5 Union Pacific UNP	-19.52%	1.4K → 1.1K −$64.8K