Hutchinson & Ziegler Financial Advisors provides financial planning, portfolio management for individuals and small businesses, estate planning, insurance, and tax planning. Financial planning was provided to 51–100 clients last fiscal year.
Hutchinson & Ziegler Financial Advisors reports 62 clients. They include 50 high-net-worth individuals, 7 individual clients, and 5 pension and profit-sharing plans. Of its assets, 100.0% ($235M across 215 accounts) are managed with discretion. Of its clients, 2% are outside the U.S.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 11% | 2% |
| High-net-worth individuals | 81% | 90% |
| Pension and profit-sharing plans | 8% | 5% |
| Charitable organizations | Fewer than 5 | 4% |
Client shares use reported counts. Client types without a reported count are excluded from that total.
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 7 | $3.75M | 1.6% | $535K |
| High-net-worth individuals | 50 | $211M | 89.7% | $4.22M |
| Pension and profit-sharing plans | 5 | $12M | 5.1% | $2.4M |
| Charitable organizations | Fewer than 5 | $8.49M | 3.6% | — |
| Total | 62 | $235M | 100% | — |
- Clients
- 7
- Regulatory AUM
- $3.75M
- AUM share
- 1.6%
- Avg. per client
- $535K
- Clients
- 50
- Regulatory AUM
- $211M
- AUM share
- 89.7%
- Avg. per client
- $4.22M
- Clients
- 5
- Regulatory AUM
- $12M
- AUM share
- 5.1%
- Avg. per client
- $2.4M
- Clients
- Fewer than 5
- Regulatory AUM
- $8.49M
- AUM share
- 3.6%
- Avg. per client
- —
Total
- Clients
- 62
- Regulatory AUM
- $235M
- AUM share
- 100%
- Avg. per client
- —
- Clients outside the U.S.
- 2%
- Clients advised without assets under management last fiscal year
- 0
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 51–100
Hutchinson & Ziegler Financial Advisors charges 0.25%–1.00% a year for its Investment management fee. Each asset band is charged at its own rate. The fee is billed in advance, is negotiable and has a $35,000 annual minimum. The brochure also prices one other service, listed under fee details.
| Asset band | Annual rate |
|---|---|
| $0–$1M | 1.00% |
| $1M–$3M | 0.75% |
| $3M–$5M | 0.50% |
| $5M–$10M | 0.35% |
| $10M and above | 0.25% |
Fee details and sources
Other fees
- Stand-alone financial planning
- Stand-alone financial planning for clients who do not retain investment management is charged at $500 per hour.
Heather Hutchinson owns 50% to 75% of Hutchinson & Ziegler Financial Advisors. The leadership team of Hutchinson & Ziegler Financial Advisors includes Chief Compliance Officer Heather Hutchinson. It has 2 employees.
Leadership
- Heather HutchinsonPrincipal and Chief Compliance Officer
- Eric ZieglerPrincipal
Investment adviser representatives
2 representatives listed in the SEC register as of 9 October 2026.
Staff
- 2 employees
- 2 in advisory functions
- 2 state-registered reps
- Owns 50% to 75% of Hutchinson & Ziegler Financial Advisors, Inc.
Heather Hutchinson
Control person · since January 2003
- Owns 50% to 75% of Hutchinson & Ziegler Financial Advisors, Inc.
Eric Ziegler
Control person · since July 2007
Hutchinson & Ziegler Financial Advisors’ regulatory assets grew 1.5× from $155M (February 2021) to $235M (August 2026); clients were 62 in both filings and employees were 2 in both filings.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| August 2026 | $235M | 62 | 2 | 1 |
| February 2025 | $201M | 57 | 2 | 1 |
| March 2024 | $173M | 57 | 2 | 1 |
| March 2023 | $157M | 63 | 2 | 1 |
| June 2022 | $179M | 76 | 2 | 1 |
| February 2021 | $155M | 64 | 2 | 1 |
Besides its headquarters, Hutchinson & Ziegler Financial Advisors has 0 offices, with 1 listed address in California.
California · 1 listed address
- 1010 B Street, Suite 250, San RafaelHQ
Contact and registration details
- Legal name
- Hutchinson & Ziegler Financial Advisors, Inc.
- Headquarters
- 1010 B Street, Suite 250, San Rafael, CA 94901
- Website
- hzadvisors.com
- Phone
- 415-259-3933
- SEC file
- 801-110476
- Founded
- 2003
- Structure
- California corporation
- Fiscal year end
- December
Hutchinson & Ziegler Financial Advisors uses Charles Schwab ($235M) as custodian for its separately managed accounts. Hutchinson & Ziegler Financial Advisors does not have custody of client assets.
- Charles SchwabCharles Schwab & Co., Inc. · San Francisco, CA · $235M100%
At year end, Hutchinson & Ziegler Financial Advisors’ separately managed accounts were mostly in funds (78%) and stocks (16%).
What the accounts hold
- Stocks16%
- Funds78%
- Cash5%
Filed values cover 99%. The neutral 1% gap has no reported category.
How many clients does Hutchinson & Ziegler Financial Advisors have?
Hutchinson & Ziegler Financial Advisors has 62 clients and manages $235 million for them, as of August 2026. They include 50 high-net-worth individuals, 7 individual clients, and 5 pension and profit-sharing plans.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 31 August 2026
What services does Hutchinson & Ziegler Financial Advisors offer?
Hutchinson & Ziegler Financial Advisors provides financial planning, portfolio management for individuals and small businesses, estate planning, insurance, and tax planning.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file; Part 2A brochure, Item 4
How much does Hutchinson & Ziegler Financial Advisors charge?
Hutchinson & Ziegler Financial Advisors charges 0.25%–1.00% a year for its Investment management fee. Each asset band is charged at its own rate. The fee is billed in advance, is negotiable and has a $35,000 annual minimum.
Source: HUTCHINSON & ZIEGLER PART 2A & 2B BROCHURE - FEBRUARY 2026, filed 23 March 2026
Which custodians does Hutchinson & Ziegler Financial Advisors use?
Hutchinson & Ziegler Financial Advisors’ separately managed account assets are held at Charles Schwab & Co., Inc. (San Francisco, CA), with $235M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 31 August 2026
How many financial advisors does Hutchinson & Ziegler Financial Advisors have?
Hutchinson & Ziegler Financial Advisors has 2 investment adviser representatives registered with state securities authorities, out of 2 employees, and 2 perform investment advisory functions. None are registered representatives of a broker-dealer or licensed insurance agents.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does Hutchinson & Ziegler Financial Advisors invest in?
At the end of its last fiscal year, Hutchinson & Ziegler Financial Advisors’ separately managed accounts held 78% registered funds (mutual funds, ETFs, BDCs), 16% exchange-traded equities and 5% cash and equivalents.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Hutchinson & Ziegler Financial Advisors?
Hutchinson & Ziegler Financial Advisors’ direct owners are Heather Hutchinson (50% to 75%) and Eric Ziegler (50% to 75%).
Source: Form ADV Part 1A, Schedules A and B, filed 31 August 2026
How does Hutchinson & Ziegler Financial Advisors get paid?
Hutchinson & Ziegler Financial Advisors is paid through a percentage of assets under management, hourly charges and fixed fees. 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
How do I contact Hutchinson & Ziegler Financial Advisors?
Hutchinson & Ziegler Financial Advisors’ main office is at 1010 B Street, Suite 250, San Rafael, CA 94901. Its phone number is 415-259-3933. Its website is hzadvisors.com.