# Willow Creek Financial

> Willow Creek Financial is an SEC-registered investment advisory firm in San Diego, CA, registered since 2016, reporting $500 million to $1 billion in regulatory assets under management in its Form ADV filing dated March 13, 2026.

- CRD: 285670
- Filed as: WILLOW CREEK FINANCIAL
- Legal name: Orin Green Financial, LLC
- Also doing business as: WILLOW CREEK FINANCIAL
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: San Diego, CA
- Filing period: October 2026
- Form ADV filing dated: March 13, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/285670
- AdvisorCensus page: https://advisorcensus.com/firm/willow-creek-financial-san-diego-ca-285670

## Quick answers

**How is Willow Creek Financial compensated?**
On its Form ADV (Item 5.E, October 2026), Willow Creek Financial reports these compensation arrangements: a percentage of assets under its management; hourly charges; fixed fees (other than subscription fees).

**How much does Willow Creek Financial charge?**
Its Form ADV Part 2A brochure dated March 13, 2026 states: Flat fee: up to $100,000 a year (financial planning and consulting services); Flat fee: $750 to $10,000 a year (Retirement Plan Consulting services). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is Willow Creek Financial located?**
Willow Creek Financial's principal office is in San Diego, CA, according to its Form ADV.

**Is Willow Creek Financial registered with the SEC or a state?**
Willow Creek Financial is an SEC-registered investment advisory firm, registered since 2016. Status as filed: Approved. CRD 285670.

**How much does Willow Creek Financial manage?**
Willow Creek Financial reports $528,799,870 in regulatory assets under management in its Form ADV filing dated March 13, 2026 (99% discretionary).

**How have Willow Creek Financial's assets and staff changed since 2021?**
In the Form ADV data for Willow Creek Financial: Regulatory assets under management: $339,155,933 in the October 2021 data and $528,799,870 in the October 2026 data, up 56%. Total employees: 5 in October 2021 and 7 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Willow Creek Financial serve?**
By number of clients on Form ADV Item 5.D: high net worth individuals (155); individuals (other than high net worth individuals) (83).

**Which custodians does Willow Creek Financial use?**
Willow Creek Financial's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Charles Schwab & Co., Inc. as a custodian holding 10% or more of its separately managed account assets.

**Does Willow Creek Financial report any disciplinary disclosures?**
Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/285670

**What changed in Willow Creek Financial's recent Form ADV filings?**
In the April 2026 filing data: Added the business name Willow Creek Financial. Employees performing advisory functions went from 4 to 5. Regulatory assets under management went from $463,832,776 to $528,799,870 (+14%).

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Hourly charges
- Fixed fees (other than subscription fees)

### Fees and minimums (Form ADV Part 2A brochure dated March 13, 2026)

- Flat fee: up to $100,000 a year (financial planning and consulting services)

> Our firm charges a flat annual fee for financial planning and consulting services. The total estimated fee, as well as the ultimate fee charged, is based on the scope and complexity of our engagement with the client. Flat fees will not exceed $100,000 per year.

- Flat fee: $750 to $10,000 a year (Retirement Plan Consulting services)

> Our flat fees range from $750 to $10,000 per year. Fees based on a percentage of managed Plan assets will not exceed 1.00%.

As stated in the firm's brochure. Fees can differ by service and may be negotiable.

### Custodians (Schedule D, Section 5.K(3))
- Charles Schwab & Co., Inc.

Custodians holding 10% or more of the firm's separately managed account assets, as filed on Form ADV (Schedule D, Section 5.K(3)). A custodian holds client assets; it does not endorse or supervise the firm. AdvisorCensus has no relationship with any custodian.

### Regulatory assets under management (Item 5.F)
- Total: $528,799,870
- Discretionary: $524,835,680
- Non-discretionary: $3,964,190

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 83 | $28,456,240 |
| High net worth individuals | 155 | $491,241,767 |
| Charitable organizations | Fewer than 5 | $9,101,863 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses
- Pension consulting services
- Selection of other advisers (including private fund managers)

### Firm details
- Registered since: 2016 (9 years)
- Employees: 7 total, 5 performing advisory functions
- Wrap fee program participation: Yes
- States registered or notice-filed: CA, FL, LA, NC, NE, NH, TX
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- [willowcreekfinancial.com](https://willowcreekfinancial.com)

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $339,155,933 | 5 | April 28, 2021 |
| October 2022 | $411,652,056 | 6 | August 11, 2022 |
| October 2023 | $357,217,826 | 7 | May 3, 2023 |
| October 2024 | $408,742,848 | 7 | March 11, 2024 |
| October 2025 | $463,832,776 | 7 | April 29, 2025 |
| October 2026 | $528,799,870 | 7 | March 13, 2026 |

Regulatory assets under management: $339,155,933 in the October 2021 data and $528,799,870 in the October 2026 data, up 56%.
Total employees: 5 in October 2021 and 7 in October 2026.

## Changes in the filing (last 12 months)

### April 2026
- Added the business name Willow Creek Financial.
- Employees performing advisory functions went from 4 to 5.
- Regulatory assets under management went from $463,832,776 to $528,799,870 (+14%).

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Willow Creek Financial (CRD 285670): Form ADV filing data as of October 2026.