Westhill Financial Advisors provides financial planning, portfolio management for individuals and small businesses, pension consulting, educational seminars, business succession planning, divorce planning, education planning, estate planning, insurance, philanthropic planning, and tax planning. Financial planning was provided to 11–25 clients last fiscal year.
Westhill Financial Advisors reports 426 clients. They include 214 high-net-worth individuals, 200 individual clients, and 8 pension and profit-sharing plans. Of its assets, 98.2% ($776M across 1,266 accounts) are managed with discretion; $13.8M across 6 accounts are not. It advised 10 clients without assets under management last fiscal year.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 47% | 11% |
| High-net-worth individuals | 50% | 87% |
| Pension and profit-sharing plans | 2% | 2% |
| Corporations and other businesses | <1% | <1% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 200 | $85.7M | 10.9% | $428K |
| High-net-worth individuals | 214 | $686M | 86.9% | $3.2M |
| Pension and profit-sharing plans | 8 | $16.1M | 2.0% | $2.02M |
| Corporations and other businesses | Fewer than 5 | $1.81M | 0.2% | $452K |
| Total | 426 | $789M | 100% | — |
- Clients
- 200
- Regulatory AUM
- $85.7M
- AUM share
- 10.9%
- Avg. per client
- $428K
- Clients
- 214
- Regulatory AUM
- $686M
- AUM share
- 86.9%
- Avg. per client
- $3.2M
- Clients
- 8
- Regulatory AUM
- $16.1M
- AUM share
- 2.0%
- Avg. per client
- $2.02M
- Clients
- Fewer than 5
- Regulatory AUM
- $1.81M
- AUM share
- 0.2%
- Avg. per client
- $452K
Total
- Clients
- 426
- Regulatory AUM
- $789M
- AUM share
- 100%
- Avg. per client
- —
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 10
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 11–25
Westhill Financial Advisors charges 0.30%–1.35% a year for its Investment Management. Each asset band is charged at its own rate. The fee is billed in advance and requires an account of at least $1,000,000. The brochure also prices one other service, listed under fee details.
| Asset band | Annual rate |
|---|---|
| $0–$100K | 1.35% |
| $100K–$500K | 1.15% |
| $500K–$1M | 0.85% |
| $1M–$3M | 0.60% |
| $3M and above | 0.30% |
Fee details and sources
Other fees
- Financial Planning and Consulting
- A fixed fee for a financial plan typically $4,000 to $10,000 for comprehensive plans, or $400 an hour for planning and consultations; paid in advance.
The Matthew F Taddei Trust U/T/A Dated 9/17/15 owns 25% to 50% of Westhill Financial Advisors and is in turn owned by Matthew Taddei (25–50%). The leadership team of Westhill Financial Advisors includes President Meghan Hyland. It has 11 employees, 6 of them in advisory roles.
Leadership
Meghan HylandPresident & Secretary
Kirk LudwigCCO, CIO & Treasurer
Diane McCrackenDirector- Nicholas SafritDirect Owner, Financial Advisor
Investment adviser representatives
6 representatives listed in the SEC register as of 9 October 2026.
Staff
- 11 employees
- 6 in advisory functions
- 6 state-registered reps
- 2 insurance agents
- Owns 25% to 50% of Westhill Financial Advisors, Inc.
The Matthew F Taddei Trust U/T/A Dated 9/17/15
since January 2023
- Owns 25% to 50% of The Matthew F Taddei Trust U/T/A Dated 9/17/15
Matthew Taddei
since September 2015
- Owns 25% to 50% of Westhill Financial Advisors, Inc.
The Matthew F Taddei Trust U/T/A
since January 2023
- Owns 25% to 50% of Westhill Financial Advisors, Inc.
Kirk M Ludwig and Nancy Leung Trust U/T/A Dated 9/21/06
since January 2023
- Owns 25% to 50% of Kirk M Ludwig and Nancy Leung Trust U/T/A Dated 9/21/06
Kirk Ludwig
since September 2006
- Owns 25% to 50% of Westhill Financial Advisors, Inc.
Kirk M Ludwig and Nancy Leung
since January 2023
- Owns 10% to 25% of Westhill Financial Advisors, Inc.
The Hyland Family Trust U/T/A Dated 1/30/23
since January 2023
- Owns 10% to 25% of Westhill Financial Advisors, Inc.
The Hyland Family Trust U/T/A Dated
since January 2023
Westhill Financial Advisors’ regulatory assets grew 1.8× from $429M (May 2021) to $789M (August 2026); clients rose from 374 to 426 and employees from 10 to 11.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| August 2026 | $789M | 426 | 11 | 12 |
| March 2025 | $684M | 442 | 13 | 12 |
| June 2024 | $589M | 457 | 13 | 13 |
| March 2023 | $488M | 419 | 10 | 1 |
| June 2022 | $562M | 406 | 10 | 1 |
| May 2021 | $429M | 374 | 10 | 1 |
Besides its headquarters, Westhill Financial Advisors has 11 offices (11 private residences, listed without an address), with 1 listed address in California.
California · 1 listed address
- 999 Fifth Ave., Suite 300, San RafaelHQ
Contact and registration details
- Legal name
- Westhill Financial Advisors, Inc.
- Headquarters
- 999 Fifth Ave., Suite 300, San Rafael, CA 94901
- Website
- westhillfa.com
- Phone
- 415-456-2292
- @westhill-financial-advisors
- SEC file
- 801-71005
- Founded
- 1989
- Structure
- California corporation
- Fiscal year end
- December
Westhill Financial Advisors uses Charles Schwab ($784M) as custodian for its separately managed accounts. Westhill Financial Advisors has custody of $273M in client assets for 200 clients.
- Charles SchwabCharles Schwab & Co., Inc. · Westlake, TX · $784M100%
At year end, Westhill Financial Advisors’ separately managed accounts were mostly in funds (79%) and cash (11%). Its reported 13F holdings for the quarter ended 30 June 2026 total $587M across 82 positions; the largest are Vanguard Index Fds (18.0%), Vanguard Scottsdale Fds (14.3%) and Vanguard Scottsdale Fds (13.6%).
What the accounts hold
- Stocks9%
- Funds79%
- Bonds1%
- Cash11%
Reported 13F holdings
- $587M
- Reported 13F value
- 82
- Positions
- 81.2%
- In the 10 largest
- +12.3%
- Value vs. prior quarter
- Vanguard Index Fds · S&P 500 ETF Shs18.0%
- Vanguard Scottsdale Fds · Vng Rus1000grw14.3%
- Vanguard Scottsdale Fds · Vng Rus1000val13.6%
- Vanguard Tax-managed Fds · Van FTSE Dev Mkt13.3%
- Fidelity Merrimack Str TR · Total BD ETF7.1%
- Schwab Strategic TR · Int-trm U.s Tres5.4%
- Vanguard Intl Equity Index F · FTSE Emr Mkt ETF2.9%
- Schwab Strategic TR · 5 10yr Corp. BD2.5%
- iShares TR · Rus Mdcp Val ETF2.1%
- iShares TR · Rus MD CP GR ETF2.1%
Together, the ten largest are 81.2% of reported value.
How many clients does Westhill Financial Advisors have?
Westhill Financial Advisors has 426 clients and manages $789 million for them, as of August 2026. They include 214 high-net-worth individuals, 200 individual clients, and 8 pension and profit-sharing plans.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 11 August 2026
What services does Westhill Financial Advisors offer?
Westhill Financial Advisors provides financial planning, portfolio management for individuals and small businesses, pension consulting, educational seminars, business succession planning, divorce planning, education planning, estate planning, insurance, philanthropic planning, 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 Westhill Financial Advisors charge?
Westhill Financial Advisors charges 0.30%–1.35% a year for its Investment Management. Each asset band is charged at its own rate. The fee is billed in advance and requires an account of at least $1,000,000.
Source: WESTHILL FINANCIAL FORM ADV PART 2A, filed 11 August 2026
Which custodians does Westhill Financial Advisors use?
Westhill Financial Advisors’ separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $784M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 11 August 2026
How many financial advisors does Westhill Financial Advisors have?
Westhill Financial Advisors has 6 investment adviser representatives registered with state securities authorities, out of 11 employees, and 6 perform investment advisory functions. 0 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
What does Westhill Financial Advisors invest in?
At the end of its last fiscal year, Westhill Financial Advisors’ separately managed accounts held 79% registered funds (mutual funds, ETFs, BDCs), 11% cash and equivalents, 9% exchange-traded equities and 1% U.S. government and agency bonds.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Does Westhill Financial Advisors have a minimum investment?
Yes, Westhill Financial Advisors’ minimum account size for its Investment Management is $1M.
Source: WESTHILL FINANCIAL FORM ADV PART 2A, filed 11 August 2026
Who owns Westhill Financial Advisors?
Westhill Financial Advisors is owned through trusts by Matthew Taddei and Kirk Ludwig. Its direct owners are the Matthew F Taddei Trust U/T/A Dated 9/17/15, the Matthew F Taddei Trust U/T/A, Kirk M Ludwig and Nancy Leung Trust U/T/A Dated 9/21/06, Kirk M Ludwig and Nancy Leung, the Hyland Family Trust U/T/A Dated 1/30/23, and the Hyland Family Trust U/T/A Dated, each holding 50% or less.
Source: Form ADV Part 1A, Schedules A and B, filed 11 August 2026
How does Westhill Financial Advisors get paid?
Westhill 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
Is Westhill Financial Advisors registered with the SEC?
Yes, Westhill Financial Advisors has been registered with the SEC as an investment adviser since 21 January 2010. Its CRD number is 152506 and its SEC file number is 801-71005.
Source: Form ADV Part 1A, Item 1, filed 11 August 2026; IAPD firm record
How do I contact Westhill Financial Advisors?
Westhill Financial Advisors’ main office is at 999 Fifth Ave., Suite 300, San Rafael, CA 94901. Its phone number is 415-456-2292. Its website is westhillfa.com.