Westover Capital Advisors provides financial planning, portfolio management for individuals and small businesses, estate planning, philanthropic planning, retirement plan services, tax planning, and tax preparation.
Westover Capital Advisors reports 267 clients. They include 125 high-net-worth individuals, 113 individual clients and 17 charitable organizations. Of its assets, 100.0% ($653M across 794 accounts) are managed with discretion.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 42% | 5% |
| High-net-worth individuals | 47% | 81% |
| Pension and profit-sharing plans | 4% | 1% |
| Charitable organizations | 6% | 13% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 113 | $33.9M | 5.2% | $300K |
| High-net-worth individuals | 125 | $528M | 80.8% | $4.22M |
| Pension and profit-sharing plans | 12 | $8.53M | 1.3% | $711K |
| Charitable organizations | 17 | $82.7M | 12.7% | $4.86M |
| Total | 267 | $653M | 100% | $2.45M |
- Clients
- 113
- Regulatory AUM
- $33.9M
- AUM share
- 5.2%
- Avg. per client
- $300K
- Clients
- 125
- Regulatory AUM
- $528M
- AUM share
- 80.8%
- Avg. per client
- $4.22M
- Clients
- 12
- Regulatory AUM
- $8.53M
- AUM share
- 1.3%
- Avg. per client
- $711K
- Clients
- 17
- Regulatory AUM
- $82.7M
- AUM share
- 12.7%
- Avg. per client
- $4.86M
Total
- Clients
- 267
- Regulatory AUM
- $653M
- AUM share
- 100%
- Avg. per client
- $2.45M
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 0
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 0
Westover Capital Advisors charges 0.75%–1.50% a year for its Investment Management, Wealth Advisory. The fee is billed in advance and is negotiable. The brochure also prices one other service, listed under fee details.
Fee details and sources
Other fees
- Financial planning and consulting
- Fixed or hourly fee agreed in writing before the engagement, based on the services and complexity; a retainer of up to 50% of the estimate may be requested. No rate stated.
Matthew Beardwood owns 25% to 50% of Westover Capital Advisors. Harold Sawyer is CEO; the leadership team includes President Harold Sawyer and Chief Compliance Officer Matthew Beardwood. It has 11 employees, 6 of them in advisory roles.
Leadership
- Harold SawyerChief Executive Officer
Harold SawyerVice President & Chief Investment Officer
Matthew BeardwoodDirector of Wealth Management and Chief Compliance Officer
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
- Owns 25% to 50% of Westover Capital Advisors, LLC
Matthew Beardwood
Control person · since February 2019
- Owns 10% to 25% of Westover Capital Advisors, LLC
Harold Sawyer
Control person · since January 2000
Westover Capital Advisors’ regulatory assets grew 1.9× from $342M (March 2021) to $653M (March 2026); clients rose from 190 to 267 and employees from 7 to 11.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| March 2026 | $653M | 267 | 11 | 1 |
| March 2025 | $569M | 244 | 9 | 1 |
| March 2024 | $401M | 229 | 8 | 1 |
| March 2023 | $356M | 217 | 8 | 1 |
| March 2022 | $411M | 211 | 8 | 1 |
| March 2021 | $342M | 190 | 7 | 1 |
Besides its headquarters, Westover Capital Advisors has 0 offices, with 1 listed address in Delaware.
Delaware · 1 listed address
- 1013 Centre RD,, Suite 405, WilmingtonHQ
Contact and registration details
- Legal name
- Westover Capital Advisors, LLC
- Headquarters
- 1013 Centre RD,, Suite 405, Wilmington, DE 19805
- Website
- westovercapital.com
- Phone
- 302-427-9600
- @westover-capital-advisorsllc
- SEC file
- 801-64380
- Founded
- 1999
- Structure
- Delaware LLC
- Fiscal year end
- December
Westover Capital Advisors uses Charles Schwab ($653M) as custodian for its separately managed accounts. Westover Capital Advisors has custody of $653M in client assets for 267 clients.
- Charles SchwabCharles Schwab & Co., Inc. · Westlake, TX · $653M100%
At year end, Westover Capital Advisors’ separately managed accounts were mostly in stocks (66%) and funds (25%). Its reported 13F holdings for the quarter ended 30 June 2026 total $602M across 240 positions; the largest are Apple Inc. (5.5%), Alphabet Inc. (5.0%) and Nvidia Corporation (4.9%).
What the accounts hold
- Stocks66%
- Funds25%
- Bonds6%
- Investment grade corporate bonds3%
- State and local bonds2%
- U.S. government and agency bonds1%
- Cash2%
- Other1%
- Preferred stock1%
Reported 13F holdings
- $602M
- Reported 13F value
- 240
- Positions
- 33.8%
- In the 10 largest
- +10.8%
- Value vs. prior quarter
- Apple Inc.5.5%
- Alphabet Inc. · Cap Stk CL A5.0%
- Nvidia Corporation4.9%
- Broadcom Inc.3.1%
- Amazon Com Inc.3.0%
- SPDR Gold TR · Gold Shs2.7%
- Schwab Strategic TR · Fundamental Intl2.5%
- Microsoft Corp.2.5%
- Palo Alto Networks Inc.2.3%
- JPMORGAN Chase & CO2.2%
Together, the ten largest are 33.8% of reported value.
How many clients does Westover Capital Advisors have?
Westover Capital Advisors has 267 clients and manages $653 million for them, as of March 2026. They include 125 high-net-worth individuals, 113 individual clients and 17 charitable organizations.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 30 March 2026
What services does Westover Capital Advisors offer?
Westover Capital Advisors provides financial planning, portfolio management for individuals and small businesses, estate planning, philanthropic planning, retirement plan services, tax planning, and tax preparation.
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 Westover Capital Advisors charge?
Westover Capital Advisors charges 0.75%–1.50% a year for its Investment Management, Wealth Advisory. The fee is billed in advance and is negotiable.
Source: DISCLOSURE BROCHURE AND SUPPLEMENTS FOR WESTOVER CAPITAL, filed 30 March 2026
Which custodians does Westover Capital Advisors use?
Westover Capital Advisors’ separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $653M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 30 March 2026
How many financial advisors does Westover Capital Advisors have?
Westover Capital Advisors has 6 investment adviser representatives registered with state securities authorities, out of 11 employees, and 6 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 Westover Capital Advisors invest in?
At the end of its last fiscal year, Westover Capital Advisors’ separately managed accounts held 66% exchange-traded equities, 25% pooled vehicles (private funds and similar), 3% investment grade corporate bonds, 2% state and local bonds, 2% cash and equivalents, 1% U.S. government and agency bonds and 1% other. The 1% other category is described as: Preferred Stock.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Westover Capital Advisors?
Westover Capital Advisors’ direct owners are Harold Sawyer and Matthew Beardwood, each holding 50% or less.
Source: Form ADV Part 1A, Schedules A and B, filed 30 March 2026
How does Westover Capital Advisors get paid?
Westover Capital 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 Westover Capital Advisors registered with the SEC?
Yes, Westover Capital Advisors has been registered with the SEC as an investment adviser since 3 June 2005. Its CRD number is 126520 and its SEC file number is 801-64380.
Source: Form ADV Part 1A, Item 1, filed 30 March 2026; IAPD firm record
How do I contact Westover Capital Advisors?
Westover Capital Advisors’ main office is at 1013 Centre RD,, Suite 405, Wilmington, DE 19805. Its phone number is 302-427-9600. Its website is westovercapital.com.