Top Institutional Investors

WestHill Financial Advisors, Inc. — 13F Holdings & Portfolio

CIK 1759641 · latest 13F-HR filed 2026-10-14

Backtest portfolio

WestHill Financial Advisors, Inc. manages $596.6M in 13F-reported U.S. long-equity assets across 92 reported positions as of its 2026-09-30 13F-HR filing. Its largest disclosed positions are VOO (17.79%), VONG (14.10%), VONV (13.10%). Quarter over quarter (versus its 2026-06-30 filing) the fund opened 17 new positions and exited 7; 13 existing positions rose in reported value and 25 fell.

AUM is the long-equity portion reported on Form 13F-HR. Excludes short positions, cash, foreign holdings, and non-13F assets. For informational purposes only — not investment advice.

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AUM
$596.6M

Long-equity book

Holdings
92

Distinct positions

Period
2026-09-30

Filed 2026-10-14

Q/Q Activity
+17 / −7 / ↑13 / ↓25

vs 2026-06-30

Portfolio charts

Latest quarter's book, what changed, and how the portfolio has evolved across filings.

Portfolio map

Q3 26
VOO17.8% · -2%VONG14.1% · -0%VONV13.1% · -4%VEA12.9% · -0%FBND7.4% · +11%SCHR5.5% · +8%VWO2.9% · +2%SCHI2.7% · +16%IWP2.0% · +3%AAPL2.0% · -2%IWS2.0% · -2%VTWG1.8% · -2%VTWV1.8% · -2%MINT1.5% · +8%VNQ1.3% · +5%MSFT0.9% · +69%NRIX0.8% · -5%IVV0.7% · -0%AMZN0.5% · -2%IWD0.4% · -1%NVDA0.3% · +2%AGG0.3% · +13%TCBK0.3% · 0%IWR0.3% · -1%VTWO0.3% · -2%XVV0.3% · newEGUS0.2% · newIWF0.2% · 0%EVUS0.2% · newPYLD0.2% · +12%ESGD0.2% · newDFUS0.2% · 0%MRSH0.2% · 0%EAGG0.2% · newCOST0.2% · +0%JPM0.2% · -2%TSLA0.2% · -6%CVX0.2% · -3%GOOG0.2% · -1%BRK.B0.2% · 0%DFUV0.1% · 0%VTI0.1% · -8%SCHX0.1% · 0%ACN0.1% · 0%SPY0.1% · -3%QQQ0.1% · 0%META0.1% · +23%GOOGL0.1% · -1%V0.1% · +0%AMD0.1% · -10%EFA0.1% · -2%BANR0.1% · 0%CSCO0.1% · -4%ABBV0.1% · -10%LLY0.1% · newSUSB0.1% · newXOM0.1% · newPH0.1% · +0%XJH0.1% · newUPS0.1% · +1%

Box size = position value; colour = change in share count vs the prior quarter (green added, red trimmed, blue new). Rows split across managers or share classes are combined. Click a box for the stock.

Sector mix

% of 13F value

Sectors from each company's SIC code; funds and ETFs grouped separately.

Biggest buys and sells

Q2 26 → Q3 26

Estimated from the change in shares held × the quarter-end price, so price moves alone don't count as buying. New and exited positions are included.

13F assets and positions

4 quarters

Total reported 13F value (bars) and number of positions (line) each quarter. Value changes include market moves.

Top positions over time

reported value

The eight largest current positions, valued at each quarter end.

Concentration

top 10 = 80.3%

Cumulative share of the portfolio held in the largest N positions.

Firm Profile & Key People

As of the firm’s regulatory filing dated Aug 11, 2026.

Assets Under Management
$789.4M
Discretionary
$775.6M
Employees
11
Accounts
1,272
Address
999 FIFTH AVE., SUITE 300
SAN RAFAEL, CA 94901
Phone
(415) 456-2292
Website
Name Title / Status Ownership Type
HYLAND, MEGHAN, MURPHY ControlPRESIDENT & SECRETARY
since Mar 2024
Less than 5%Individual
LUDWIG, KIRK, MARTIN ControlCCO, CIO & TREASURER
since Dec 2009
Less than 5%Individual
MCCRACKEN, DIANE, MARIE ControlDIRECTOR
since Dec 2009
Less than 5%Individual
SAFRIT, NICHOLAS, FAISON ControlDIRECT OWNER, FINANCIAL ADVISOR
since Jan 2023
Less than 5%Individual
TADDEI, MATTHEW, FRANK ControlCEO
since Dec 2009
Less than 5%Individual
KIRK M LUDWIG AND NANCY LEUNG TRUST U/T/A DATED 9/21/06DIRECT OWNER
since Jan 2023
25–50%Domestic Entity
THE DIANE MCCRACKEN TRUST U/T/A DATED 10/6/08DIRECT OWNER
since Jan 2023
Less than 5%Domestic Entity
THE HYLAND FAMILY TRUST U/T/A DATED 1/30/23DIRECT OWNER
since Jan 2023
10–25%Domestic Entity
THE MATTHEW F TADDEI TRUST U/T/A DATED 9/17/15DIRECT OWNER
since Jan 2023
25–50%Domestic Entity
LUDWIG, KIRK, MARTIN
Indirect owner via KIRK M LUDWIG AND NANCY LEUNG TRUST U/T/A DATED 9/21/06
GRANTOR AND TRUSTEE
since Sep 2006
25–50%Individual
TADDEI, MATTHEW, FRANK
Indirect owner via THE MATTHEW F TADDEI TRUST U/T/A DATED 9/17/15
GRANTOR AND TRUSTEE
since Sep 2015
25–50%Individual
Ownership & leadership changes · 5 filings with changes since Mar 17, 2012

From the firm’s regulatory filings, newest first. Dates are filing dates: a filing that no longer lists someone does not say when they left.

Mar 12, 2026 filing
  • ChangedHYLAND, MEGHAN, MURPHY · title CORPORATE SECRETARY → PRESIDENT & SECRETARY
  • ChangedLUDWIG, KIRK, MARTIN · title CFO, CIO, CCO → CCO, CIO & TREASURER
  • ChangedTADDEI, MATTHEW, FRANK · title PRESIDENT, CEO → CEO
Mar 25, 2025 filing
  • No longer listedHYLAND, MEGHAN, MURPHY · GRANTOR AND TRUSTEE · 50–75% · indirect via THE HYLAND FAMILY TRUST U/T/A DATED 1/30/23 · listed since Jan 2023
  • No longer listedMCCRACKEN, DIANE, MARIE · GRANTOR AND TRUSTEE · 75% or more · indirect via THE DIANE MCCRACKEN TRUST U/T/A DATED 10/6/08 · listed since Oct 2008
  • ChangedLUDWIG, KIRK, MARTIN · indirect via KIRK M LUDWIG AND NANCY LEUNG TRUST U/T/A DATED 9/21/06: ownership 50–75% → 25–50%
  • ChangedMCCRACKEN, DIANE, MARIE · ownership 5–10% → Less than 5%
  • ChangedTADDEI, MATTHEW, FRANK · indirect via THE MATTHEW F TADDEI TRUST U/T/A DATED 9/17/15: ownership 75% or more → 25–50%
  • ChangedTHE DIANE MCCRACKEN TRUST U/T/A DATED 10/6/08 · ownership 5–10% → Less than 5%
Mar 27, 2024 filing
  • AddedHYLAND, MEGHAN, MURPHY · CORPORATE SECRETARY · Less than 5% · control person
  • ChangedHYLAND, MEGHAN, MURPHY · indirect via THE HYLAND FAMILY TRUST U/T/A DATED 1/30/23: ownership 75% or more → 50–75%
  • ChangedLUDWIG, KIRK, MARTIN · title CFO, CIO → CFO, CIO, CCO
  • ChangedLUDWIG, KIRK, MARTIN · indirect via KIRK M LUDWIG AND NANCY LEUNG TRUST U/T/A DATED 9/21/06: ownership 75% or more → 50–75%
  • ChangedMCCRACKEN, DIANE, MARIE · title SECRETARY, COO, CCO → DIRECTOR; ownership Less than 5% → 5–10%
  • ChangedSAFRIT, NICHOLAS, FAISON · now a control person
  • ChangedTHE DIANE MCCRACKEN TRUST U/T/A DATED 10/6/08 · ownership 10–25% → 5–10%
Mar 15, 2023 filing
  • AddedHYLAND, MEGHAN, MURPHY · GRANTOR AND TRUSTEE · 75% or more · indirect via THE HYLAND FAMILY TRUST U/T/A DATED 1/30/23
  • AddedKIRK M LUDWIG AND NANCY LEUNG TRUST U/T/A DATED 9/21/06 · DIRECT OWNER · 25–50%
  • AddedLUDWIG, KIRK, MARTIN · GRANTOR AND TRUSTEE · 75% or more · indirect via KIRK M LUDWIG AND NANCY LEUNG TRUST U/T/A DATED 9/21/06
  • AddedMCCRACKEN, DIANE, MARIE · GRANTOR AND TRUSTEE · 75% or more · indirect via THE DIANE MCCRACKEN TRUST U/T/A DATED 10/6/08
  • AddedSAFRIT, NICHOLAS, FAISON · DIRECT OWNER, FINANCIAL ADVISOR · Less than 5%
  • AddedTADDEI, MATTHEW, FRANK · GRANTOR AND TRUSTEE · 75% or more · indirect via THE MATTHEW F TADDEI TRUST U/T/A DATED 9/17/15
  • AddedTHE DIANE MCCRACKEN TRUST U/T/A DATED 10/6/08 · DIRECT OWNER · 10–25%
  • AddedTHE HYLAND FAMILY TRUST U/T/A DATED 1/30/23 · DIRECT OWNER · 10–25%
  • AddedTHE MATTHEW F TADDEI TRUST U/T/A DATED 9/17/15 · DIRECT OWNER · 25–50%
  • ChangedLUDWIG, KIRK, MARTIN · ownership 25–50% → Less than 5%
  • ChangedMCCRACKEN, DIANE, MARIE · ownership 25–50% → Less than 5%
  • ChangedTADDEI, MATTHEW, FRANK · ownership 25–50% → Less than 5%
Mar 9, 2015 filing
  • ChangedLUDWIG, KIRK, MARTIN · title CFO → CFO, CIO
  • ChangedMCCRACKEN, DIANE, MARIE · title SECRETARY, CHIEF COMPLIANCE OFFICER → SECRETARY, COO, CCO
  • ChangedTADDEI, MATTHEW, FRANK · title PRESIDENT → PRESIDENT, CEO
Mar 17, 2012 filing (earliest on record)
  • ListedLUDWIG, KIRK, MARTIN · CFO · 25–50% · control person
  • ListedMCCRACKEN, DIANE, MARIE · SECRETARY, CHIEF COMPLIANCE OFFICER · 25–50% · control person
  • ListedTADDEI, MATTHEW, FRANK · PRESIDENT · 25–50% · control person

Quarter-over-quarter changes

Changes in reported position value vs the prior 13F, so price moves count too, not just shares bought or sold.

Top Adds (vs prior quarter)

Show all 13 →

Top Trims

Show all 25 →

New Positions

Show all 17 →

Exited Positions

Show all 7 →

WestHill Financial Advisors, Inc. Holdings (2026-09-30)

Rows tagged Call or Put are options positions, not stock. Per SEC Form 13F-HR, Value shows the notional value of the underlying (shares covered × underlying price), not the option premium. Shares is the number of underlying shares covered (divide by 100 for contract count).

# Issuer Symbol CUSIP Value Weight Shares Type
1 VANGUARD INDEX FDS VOO 922908363 $106.1M 17.79% 151,386 SH
2 VANGUARD SCOTTSDALE FDS VONG 92206C680 $84.1M 14.10% 652,537 SH
3 VANGUARD SCOTTSDALE FDS VONV 92206C714 $78.2M 13.10% 719,036 SH
4 VANGUARD TAX-MANAGED FDS VEA 921943858 $77.0M 12.91% 1,091,071 SH
5 FIDELITY MERRIMACK STR TR FBND 316188309 $44.0M 7.37% 1,015,500 SH
6 SCHWAB STRATEGIC TR SCHR 808524854 $32.9M 5.52% 1,388,580 SH
7 VANGUARD INTL EQUITY INDEX F VWO 922042858 $17.1M 2.86% 287,900 SH
8 SCHWAB STRATEGIC TR SCHI 808524698 $16.2M 2.71% 754,694 SH
9 ISHARES TR IWP 464287481 $11.9M 2.00% 86,454 SH
10 APPLE INC AAPL 037833100 $11.8M 1.98% 35,540 SH
11 ISHARES TR IWS 464287473 $11.8M 1.98% 73,378 SH
12 VANGUARD SCOTTSDALE FDS VTWG 92206C623 $10.7M 1.79% 40,898 SH
13 VANGUARD SCOTTSDALE FDS VTWV 92206C649 $10.4M 1.75% 56,502 SH
14 PIMCO ETF TR MINT 72201R833 $8.9M 1.49% 88,524 SH
15 VANGUARD INDEX FDS VNQ 922908553 $7.7M 1.29% 85,758 SH
16 MICROSOFT CORP MSFT 594918104 $5.4M 0.91% 10,602 SH
17 NURIX THERAPEUTICS INC NRIX 67080M103 $4.9M 0.83% 208,333 SH
18 ISHARES TR IVV 464287200 $4.3M 0.72% 5,583 SH
19 AMAZON COM INC AMZN 023135106 $3.1M 0.52% 12,467 SH
20 ISHARES TR IWD 464287598 $2.5M 0.41% 9,918 SH
21 NVIDIA CORPORATION NVDA 67066G104 $2.0M 0.34% 8,964 SH
22 ISHARES TR AGG 464287226 $1.9M 0.31% 19,831 SH
23 TRICO BANCSHARES TCBK 896095106 $1.8M 0.31% 35,950 SH
24 ISHARES TR IWR 464287499 $1.8M 0.30% 16,953 SH
25 VANGUARD SCOTTSDALE FDS VTWO 92206C664 $1.6M 0.27% 14,442 SH
26 ISHARES TR XVV 46436E569 $1.6M 0.27% 27,623 SH
27 ISHARES TR EGUS 46436E239 $1.4M 0.24% 24,457 SH
28 ISHARES TR IWF 464287614 $1.4M 0.24% 11,321 SH
29 ISHARES TR EVUS 46436E221 $1.4M 0.23% 37,996 SH
30 PIMCO ETF TR PYLD 72201R585 $1.2M 0.21% 49,117 SH
31 ISHARES TR ESGD 46435G516 $1.2M 0.20% 11,822 SH
32 DIMENSIONAL ETF TRUST DFUS 25434V401 $1.2M 0.20% 14,223 SH
33 MARSH & MCLENNAN COS INC MRSH 571748102 $1.1M 0.19% 6,709 SH
34 ISHARES TR EAGG 46435U549 $1.1M 0.19% 24,433 SH
35 COSTCO WHOLESALE CORPORATION COST 22160K105 $1.1M 0.18% 1,156 SH
36 JPMORGAN CHASE & CO JPM 46625H100 $1.0M 0.17% 3,149 SH
37 TESLA INC TSLA 88160R101 $996.3K 0.17% 2,808 SH
38 CHEVRON CORPORATION CVX 166764100 $987.0K 0.17% 4,833 SH
39 ALPHABET INC GOOG 02079K107 $965.3K 0.16% 2,833 SH
40 BERKSHIRE HATHAWAY INC DEL BRK.B 084670702 $944.6K 0.16% 1,897 SH
41 DIMENSIONAL ETF TRUST DFUV 25434V724 $847.6K 0.14% 15,411 SH
42 VANGUARD INDEX FDS VTI 922908769 $841.5K 0.14% 2,248 SH
43 SCHWAB STRATEGIC TR SCHX 808524201 $837.0K 0.14% 27,900 SH
44 ACCENTURE PLC IRELAND ACN G1151C101 $712.4K 0.12% 3,885 SH
45 STATE STR SPDR S&P 500 ETF T SPY 78462F103 $688.1K 0.12% 902 SH
46 INVESCO QQQ TR QQQ 46090E103 $677.2K 0.11% 915 SH
47 META PLATFORMS INC META 30303M102 $630.2K 0.11% 869 SH
48 ALPHABET INC GOOGL 02079K305 $597.6K 0.10% 1,737 SH
49 VISA INC V 92826C839 $572.7K 0.10% 1,594 SH
50 ADVANCED MICRO DEVICES INC AMD 007903107 $518.8K 0.09% 848 SH
Filing History
Period Filed AUM Holdings Accession
2026-09-30 2026-10-14 $596.6M 92 0002085853-26-001192
2026-06-30 2026-07-21 $587.3M 82 0002085853-26-000786
2026-03-31 2026-04-09 $523.0M 76 0002085853-26-000325
2025-12-31 2026-01-21 $526.4M 81 0002085853-26-000059
Filer Information
Address
999 FIFTH AVE
SUITE 300
SAN RAFAEL, CA 94901
Phone
(415) 302-9152
Filing Manager
WestHill Financial Advisors, Inc.
San Rafael, CA
Signatory
Kirk M. Ludwig
CCO