{"url":"https://nivawealth.com/firms/willow-creek-capital-management-333911","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/333911","regulatoryAum":280030435,"crd":"333911","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"7997294","suffix":null,"lastName":"Duffy","firstName":"Lucas","middleName":"Lambros"},{"crd":"1636058","suffix":null,"lastName":"ESTEP","firstName":"SUSAN","middleName":"ANN"},{"crd":"4723892","suffix":null,"lastName":"WEBER","firstName":"DAVID","middleName":"ANTHONY"}],"total":3,"loadedAt":"2026-10-10T00:20:19.761928+00:00","sourceUrl":"https://reports.adviserinfo.sec.gov/reports/CompilationReports/IA_INDVL_Feed_10_09_2026.xml.zip"},"secFileNumber":"801-134896","legalName":"Willow Creek Capital Management, Inc.","displayName":"Willow Creek Capital Management","slug":"willow-creek-capital-management-333911","website":null,"classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"founded":null,"organization":"Montana corporation","fiscalYearEnd":"December","headquarters":{"street":"432 W Spruce St., Ste 102","city":"Missoula","state":"MT","stateName":"Montana","country":"United States","postalCode":"59802"},"tradeNames":[],"registration":{"secApproved":"9 December 2025","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":646055.5037783375,"staff":{"employees":4,"advisory":4,"brokerDealerReps":4,"insuranceAgents":2,"promoters":0},"aum":{"regulatory":280030435,"discretionary":232001243,"discretionaryAccounts":318,"nonDiscretionary":48029192,"nonDiscretionaryAccounts":113,"wrapProgram":0,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":299,"regulatoryAum":74349644},{"label":"High-net-worth individuals","clients":98,"regulatoryAum":182134391},{"label":"Pension and profit-sharing plans","clients":7,"regulatoryAum":21641435},{"label":"Charitable organizations","clients":5,"regulatoryAum":1754359},{"label":"Corporations and other businesses","clients":4,"fewerThan5":true,"regulatoryAum":150606}],"feePrograms":[{"role":"main","program":"Portfolio Management Wrap Fees","feeBasis":"range","fee_tiers":null,"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1061138","versionId":1061138,"ratePeriod":"annual","fee_billing":"advance","submittedOn":"2026-10-14","documentName":"FORM ADV PART 2A - WILLOW CREEK CAPITAL MANAGEMENT, INC.","fee_rate_low":0.5,"fee_rate_high":1,"fee_negotiable":true,"minimum_account":null,"feeMinimumPeriod":null,"fee_minimum_annual":null}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T11:28:18.7745+00:00","documents":[{"name":"FORM ADV PART 2A - WILLOW CREEK CAPITAL MANAGEMENT, INC.","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1061138","versionId":1061138,"submittedOn":"2026-10-14"},{"name":null,"status":"not_downloaded","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=939403","versionId":939403,"submittedOn":null}]},"custodians":[{"name":"Raymond James Financial Services, Inc.","shortName":"Raymond James","location":"St. Petersburg, FL","smaAssets":280030435}],"custodyNote":"Willow Creek Capital Management does not have custody of client assets.","otherCustodians":[],"leadership":[{"name":"Susan Estep","title":"Managing Partner and President","crd":"1636058"},{"name":"David Weber","title":"Managing Partner, Vice President, Chief Compliance Officer","crd":"4723892"}],"ownership":[{"label":"Susan Estep","detail":"Managing partner and president in the 50% to 75% ownership band and a control person, since August 2019."},{"label":"David Weber","detail":"Managing partner, vice president, chief compliance officer in the 25% to 50% ownership band and a control person, since August 2019."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"Montana","offices":1,"addresses":[{"street":"432 W Spruce St., Ste 102","city":"Missoula","headquarters":true}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"406-830-3286","stateRegisteredReps":3,"otherAdviserReps":0,"compensation":["A percentage of assets under management"],"activities":["Portfolio management for individuals and/or small businesses","Pension consulting services"],"financialPlanningClients":null,"assetMix":[{"label":"Exchange-traded equity securities","percent":40},{"label":"U.S. government/agency bonds","percent":18},{"label":"Derivatives","percent":1},{"label":"Cash and cash equivalents","percent":19},{"label":"Other","percent":22,"detail":"Closed Ended Funds, Open Ended Mutual Funds, Reits, and Annuities"}],"privateFunds":0},"sources":{"adv1FilingDate":"26 August 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/333911/PDF/333911.pdf","brochureDate":"14 October 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1061138","iapdCompiledDate":null,"retrievedDate":"15 October 2026","retrievedOn":"2026-10-15","updatedOn":"2026-10-22","holdingsUpdatedOn":"2026-10-21","adv1Pages":{},"brochurePages":{}},"otherBusiness":[],"faq":[{"question":"How many clients does Willow Creek Capital Management have?","answer":"Willow Creek Capital Management has 413 clients and manages $280 million for them, as of August 2026. They include 299 individual clients, 98 high-net-worth individuals, and 7 pension and profit-sharing plans.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 26 August 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Willow Creek Capital Management offer?","answer":"Willow Creek Capital Management provides portfolio management for individuals and small businesses and pension consulting.","source":"Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does Willow Creek Capital Management charge?","answer":"Willow Creek Capital Management charges 0.50%–1.00% a year for its Portfolio Management Wrap Fees. The fee is billed in advance and is negotiable.","source":"FORM ADV PART 2A - WILLOW CREEK CAPITAL MANAGEMENT, INC., filed 14 October 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Willow Creek Capital Management use?","answer":"Willow Creek Capital Management’s separately managed account assets are held at Raymond James Financial Services, Inc. (St. Petersburg, FL), with $280M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 26 August 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Willow Creek Capital Management have?","answer":"Willow Creek Capital Management has 3 investment adviser representatives registered with state securities authorities, out of 4 employees, and 4 perform investment advisory functions. 4 employees are registered representatives of a broker-dealer and 2 employees are licensed insurance agents.","source":"Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Willow Creek Capital Management invest in?","answer":"At the end of its last fiscal year, Willow Creek Capital Management’s separately managed accounts held 40% exchange-traded equities, 22% other, 19% cash and equivalents, 18% U.S. government and agency bonds and 1% derivatives. The 22% other category is described as: Closed Ended Funds, Open Ended Mutual Funds, Reits, and Annuities.","source":"Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns Willow Creek Capital Management?","answer":"Willow Creek Capital Management’s direct owners are Susan Estep (50% to 75%) and David Weber (25% to 50%).","source":"Form ADV Part 1A, Schedules A and B, filed 26 August 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Willow Creek Capital Management get paid?","answer":"Willow Creek Capital Management is paid through a percentage of assets under management. Its Form ADV lists no commissions or performance-based fees among how it is paid.","source":"Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How do I contact Willow Creek Capital Management?","answer":"Willow Creek Capital Management’s main office is at 432 W Spruce St., Ste 102, Missoula, MT 59802. Its phone number is 406-830-3286.","source":"Form ADV Part 1A, Item 1.F, filed 26 August 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":null,"notice":"Compiled from public SEC Form ADV filings on the dates in `sources`. Facts as filed; not a rating, ranking, or recommendation. Niva is not affiliated with this firm. Disciplinary history is deliberately not included here or on the page; the SEC publishes the complete record at the `iapdUrl` above."}