{"url":"https://nivawealth.com/firms/hutchinson-and-ziegler-financial-advisors-145096","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/145096","regulatoryAum":235382907,"crd":"145096","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"2695325","suffix":null,"lastName":"HUTCHINSON","firstName":"HEATHER","middleName":"IRENE"},{"crd":"2080367","suffix":null,"lastName":"ZIEGLER","firstName":"ERIC","middleName":"JOSEPH"}],"total":2,"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"},"history":[{"filedOn":"2021-02-08","regulatoryAum":154895494,"clients":64,"employees":2,"offices":1},{"filedOn":"2022-06-28","regulatoryAum":178777014,"clients":76,"employees":2,"offices":1},{"filedOn":"2023-03-07","regulatoryAum":156604097,"clients":63,"employees":2,"offices":1},{"filedOn":"2024-03-12","regulatoryAum":172551037,"clients":57,"employees":2,"offices":1},{"filedOn":"2025-02-27","regulatoryAum":201466975,"clients":57,"employees":2,"offices":1},{"filedOn":"2026-08-31","regulatoryAum":235382907,"clients":62,"employees":2,"offices":1}],"secFileNumber":"801-110476","legalName":"Hutchinson & Ziegler Financial Advisors, Inc.","displayName":"Hutchinson & Ziegler Financial Advisors","slug":"hutchinson-and-ziegler-financial-advisors-145096","website":"https://hzadvisors.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"linkedinUrl":"https://www.linkedin.com/company/hutchinson-&-ziegler-financial-advisors-inc./","founded":"2003","organization":"California corporation","fiscalYearEnd":"December","headquarters":{"street":"1010 B Street, Suite 250","city":"San Rafael","state":"CA","stateName":"California","country":"United States","postalCode":"94901"},"tradeNames":[],"registration":{"secApproved":"24 April 2017","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":3769778.1228070175,"staff":{"employees":2,"advisory":2,"brokerDealerReps":0,"insuranceAgents":0,"promoters":0},"aum":{"regulatory":235382907,"discretionary":235382907,"discretionaryAccounts":215,"nonDiscretionary":0,"nonDiscretionaryAccounts":0,"wrapProgram":null,"nonUsClientsPct":2,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":7,"regulatoryAum":3745583},{"label":"High-net-worth individuals","clients":50,"regulatoryAum":211131770},{"label":"Pension and profit-sharing plans","clients":5,"regulatoryAum":12010865},{"label":"Charitable organizations","clients":null,"fewerThan5":true,"regulatoryAum":8494689}],"feePrograms":[{"role":"main","program":"Investment management fee","feeBasis":"marginal","fee_tiers":[{"to":1000000,"pct":1,"from":0},{"to":3000000,"pct":0.75,"from":1000000},{"to":5000000,"pct":0.5,"from":3000000},{"to":10000000,"pct":0.35,"from":5000000},{"to":null,"pct":0.25,"from":10000000}],"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1023921","versionId":1023921,"ratePeriod":"annual","fee_billing":"advance","submittedOn":"2026-03-23","documentName":"HUTCHINSON & ZIEGLER PART 2A & 2B BROCHURE - FEBRUARY 2026","fee_rate_low":0.25,"fee_rate_high":1,"fee_negotiable":true,"minimum_account":null,"feeMinimumPeriod":"annual","fee_minimum_annual":35000},{"role":"other","program":"Stand-alone financial planning","summary":"Stand-alone financial planning for clients who do not retain investment management is charged at $500 per hour.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1023921","versionId":1023921,"submittedOn":"2026-03-23","documentName":"HUTCHINSON & ZIEGLER PART 2A & 2B BROCHURE - FEBRUARY 2026"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T13:38:07.108363+00:00","documents":[{"name":"HUTCHINSON & ZIEGLER PART 2A & 2B BROCHURE - FEBRUARY 2026","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1023921","versionId":1023921,"submittedOn":"2026-03-23"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"San Francisco, CA","smaAssets":235382907}],"custodyNote":"Hutchinson & Ziegler Financial Advisors does not have custody of client assets.","otherCustodians":[],"leadership":[{"name":"Heather Hutchinson","title":"Principal and Chief Compliance Officer","crd":"2695325"},{"name":"Eric Ziegler","title":"Principal","crd":"2080367"}],"ownership":[{"label":"Heather Hutchinson","detail":"Principal and chief compliance officer in the 50% to 75% ownership band and a control person, since January 2003."},{"label":"Eric Ziegler","detail":"Principal in the 50% to 75% ownership band and a control person, since July 2007."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"California","offices":1,"addresses":[{"street":"1010 B Street, Suite 250","city":"San Rafael","headquarters":true}]}],"brochureServices":["estate planning","insurance","tax planning"],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"415-259-3933","stateRegisteredReps":2,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Hourly charges","Fixed fees (other than subscription fees)"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses"],"financialPlanningClients":"51-100","assetMix":[{"label":"Exchange-traded equity securities","percent":16},{"label":"Securities issued by registered investment companies or business development companies","percent":78},{"label":"Cash and cash equivalents","percent":5}],"privateFunds":0},"sources":{"adv1FilingDate":"31 August 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/145096/PDF/145096.pdf","brochureDate":"23 March 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1023921","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 Hutchinson & Ziegler Financial Advisors have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Hutchinson & Ziegler Financial Advisors offer?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does Hutchinson & Ziegler Financial Advisors charge?","answer":"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","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Hutchinson & Ziegler Financial Advisors use?","answer":"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","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Hutchinson & Ziegler Financial Advisors have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Hutchinson & Ziegler Financial Advisors invest in?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns Hutchinson & Ziegler Financial Advisors?","answer":"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","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Hutchinson & Ziegler Financial Advisors get paid?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How do I contact Hutchinson & Ziegler Financial Advisors?","answer":"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.","source":"Form ADV Part 1A, Item 1.F, filed 31 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."}