Willow Creek Financial

Willow Creek Financial is a fee-only investment adviser registered with the U.S. Securities and Exchange Commission, with its main office in San Diego, California. On its latest Form ADV, filed March 13, 2026, it reports $529M in regulatory assets under management, 238 individual clients and 5 employees who give investment advice. It reports no commission compensation, is not registered as a broker-dealer and does not act as an insurance agent.

Key facts from Form ADV

Registration	SEC-registered
Firm CRD number	285670 · SEC file 801-108776
Office	9820 Willow Creek Road Suite 210 San Diego, CA 92131
Phone	(858) 634-3232
Website	www.willowcreekfinancial.com
Regulatory assets under management	$529M ($525M discretionary)
Individual clients	83 non-high-net-worth, 155 high-net-worth
Financial planning clients	0
How it charges	Percentage of assets, Hourly, Fixed fee
Services	Financial planning, Portfolio management, Pension consulting, Selection of other advisers
Employees	7
Disciplinary disclosures	None reported
Latest Form ADV filing	March 13, 2026

Source: the firm’s Form ADV Part 1A as published by the SEC’s Investment Adviser Public Disclosure database, data as of November 6, 2026. Figures are self-reported by the firm.

What this means for you

• It offers hourly or fixed-fee arrangements, so you may be able to pay for a plan without handing over your investments.
• It also charges a percentage of assets managed for ongoing investment management.
• Most of its individual clients are high-net-worth, which on Form ADV means they meet the SEC’s qualified-client or qualified-purchaser test: broadly, more than $1 million managed by the adviser or a net worth above $2 million, with the thresholds indexed for inflation.
• It provides financial planning services, not only portfolio management.
• It sponsors or manages a wrap fee program; ask what the bundled fee covers.
• It reports no disciplinary history on Form ADV.

Before you hire any adviser

Read the firm’s Form ADV Part 2 brochure on its SEC record: it sets out fees, minimums, conflicts of interest and who will manage your money. Ask whether the firm acts as a fiduciary for all of your accounts, how it is paid in total, and who holds your assets. Our guide to choosing a financial adviser lists the questions to ask.

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