# EDGAR Filing Document

**Accession Number:** 0001759641
**File Stem:** 0001667731-25-000752
**Filing Date:** 2025-7
**Character Count:** 11028
**Document Hash:** 9ae851a0eb1bc74bd42981f0e4fa91c9
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001667731-25-000752.hdr.sgml**: 20250709

**ACCESSION NUMBER**: 0001667731-25-000752

**CONFORMED SUBMISSION TYPE**: 13F-HR

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250630

**FILED AS OF DATE**: 20250709

**DATE AS OF CHANGE**: 20250709

**EFFECTIVENESS DATE**: 20250709

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** WestHill Financial Advisors, Inc.
- **CENTRAL INDEX KEY:** 0001759641

**ORGANIZATION NAME:**
- **EIN:** 208060365
- **STATE OF INCORPORATION:** CA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-21038
- **FILM NUMBER:** 251112549

**BUSINESS ADDRESS:**
- **STREET 1:** 999 FIFTH AVE
- **STREET 2:** SUITE 300
- **CITY:** SAN RAFAEL
- **STATE:** CA
- **ZIP:** 94901
- **BUSINESS PHONE:** 415-302-9152

**MAIL ADDRESS:**
- **STREET 1:** 999 FIFTH AVE
- **STREET 2:** SUITE 300
- **CITY:** SAN RAFAEL
- **STATE:** CA
- **ZIP:** 94901

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** Taddei, Ludwig & Associates, Inc.
- **DATE OF NAME CHANGE:** 20181120

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 06-30-2025

**Check here if Amendment** [ ] **Amendment Number:** 

**This Amendment (Check only one.):** [ ] is a restatement.

[ ] adds new holdings entries.

**Institutional Investment Manager Filing this Report:**

**Name:** WestHill Financial Advisors Inc.<br>**Address:** 999 Fifth Ave<br>Suite 300<br>San Rafael, CA 94901

**Form 13F File Number:** 028-21038

**CRD Number (if applicable):** 000152506

**SEC File Number (if applicable):** 801-71005

The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form.

**Person Signing this Report on Behalf of Reporting Manager:**

**Name:** Kirk M. Ludwig<br>**Title:** CCO<br>**Phone:** 415-482-1567

**Signature, Place, and Date of Signing:**

/s/ Kirk M. Ludwig  San Rafael, CA  07-09-2025<br>[Signature]  [City, State]  [Date]

**Report Type (Check only one.):**

[x] **13F HOLDINGS REPORT.** (Check here if all holdings of this reporting manager are reported in this report.)

[ ] **13F NOTICE.** (Check here if no holdings are reported in this report, and all holdings are reported by other reporting manager(s).)

[ ] **13F COMBINATION REPORT.** (Check here if a portion of the holdings for this reporting manager are reported in this report and a portion are reported by other reporting manager(s).)

### Form 13F Summary Page

**Report Summary:**

**Number of Other Included Managers:** 0

**Form 13F Information Table Entry Total:** 72

**Form 13F Information Table Value Total:** $471434923

      (round to nearest dollar)

**List of Other Included Managers:**

Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report.

[If there are no entries in this list, state “NONE” and omit the column headings and list entries.]

**NONE**

### FORM 13F INFORMATION TABLE

---

|  |  |  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | VOTING AUTHORITY | VOTING AUTHORITY | VOTING AUTHORITY |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | SOLE | SHARED | NONE |
| ABBOTT LABS | COM | 002824100 |  | 231951 | 1705 | SH |  | SOLE |  | 1705 | 0 | 0 |
| ABBVIE INC | COM | 00287Y109 |  | 413190 | 2226 | SH |  | SOLE |  | 2226 | 0 | 0 |
| ACCENTURE PLC IRELAND | SHS CLASS A | G1151C101 |  | 1169258 | 3912 | SH |  | SOLE |  | 3912 | 0 | 0 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 326852 | 1855 | SH |  | SOLE |  | 1855 | 0 | 0 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 645880 | 3641 | SH |  | SOLE |  | 3641 | 0 | 0 |
| AMAZON COM INC | COM | 023135106 |  | 1987235 | 9058 | SH |  | SOLE |  | 9058 | 0 | 0 |
| APPLE INC | COM | 037833100 |  | 9053606 | 44127 | SH |  | SOLE |  | 44127 | 0 | 0 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 972512 | 2002 | SH |  | SOLE |  | 2002 | 0 | 0 |
| BROADCOM INC | COM | 11135F101 |  | 227963 | 827 | SH |  | SOLE |  | 827 | 0 | 0 |
| CATERPILLAR INC | COM | 149123101 |  | 478275 | 1232 | SH |  | SOLE |  | 1232 | 0 | 0 |
| CHEVRON CORP NEW | COM | 166764100 |  | 764016 | 5336 | SH |  | SOLE |  | 5336 | 0 | 0 |
| CISCO SYS INC | COM | 17275R102 |  | 320536 | 4620 | SH |  | SOLE |  | 4620 | 0 | 0 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 1328170 | 1342 | SH |  | SOLE |  | 1342 | 0 | 0 |
| CYTOMX THERAPEUTICS INC | COM | 23284F105 |  | 38776 | 17082 | SH |  | SOLE |  | 17082 | 0 | 0 |
| DANAHER CORPORATION | COM | 235851102 |  | 342929 | 1736 | SH |  | SOLE |  | 1736 | 0 | 0 |
| DIMENSIONAL ETF TRUST | US EQUITY MARKET | 25434V401 |  | 986333 | 14717 | SH |  | SOLE |  | 14717 | 0 | 0 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 2 | 25434V708 |  | 3112274 | 86838 | SH |  | SOLE |  | 86838 | 0 | 0 |
| DIMENSIONAL ETF TRUST | US MKTWIDE VALUE | 25434V724 |  | 664895 | 15726 | SH |  | SOLE |  | 15726 | 0 | 0 |
| DISNEY WALT CO | COM | 254687106 |  | 264457 | 2133 | SH |  | SOLE |  | 2133 | 0 | 0 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 314490 | 2917 | SH |  | SOLE |  | 2917 | 0 | 0 |
| FAIR ISAAC CORP | COM | 303250104 |  | 299785 | 164 | SH |  | SOLE |  | 164 | 0 | 0 |
| FIDELITY MERRIMACK STR TR | TOTAL BD ETF | 316188309 |  | 34137003 | 746164 | SH |  | SOLE |  | 746164 | 0 | 0 |
| INVESCO CALIF VALUE MUN INCO | COM | 46132H106 |  | 123662 | 11925 | SH |  | SOLE |  | 11925 | 0 | 0 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 633510 | 1148 | SH |  | SOLE |  | 1148 | 0 | 0 |
| ISHARES TR | RUS MID CAP ETF | 464287499 |  | 1463446 | 15912 | SH |  | SOLE |  | 15912 | 0 | 0 |
| ISHARES TR | RUS MD CP GR ETF | 464287481 |  | 10308676 | 74334 | SH |  | SOLE |  | 74334 | 0 | 0 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 1275647 | 3004 | SH |  | SOLE |  | 3004 | 0 | 0 |
| ISHARES TR | 3 7 YR TREAS BD | 464288661 |  | 363701 | 3054 | SH |  | SOLE |  | 3054 | 0 | 0 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 |  | 2005613 | 10326 | SH |  | SOLE |  | 10326 | 0 | 0 |
| ISHARES TR | CORE S ETF | 464287200 |  | 3810651 | 6137 | SH |  | SOLE |  | 6137 | 0 | 0 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 283716 | 4575 | SH |  | SOLE |  | 4575 | 0 | 0 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 1521926 | 15342 | SH |  | SOLE |  | 15342 | 0 | 0 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 522103 | 5841 | SH |  | SOLE |  | 5841 | 0 | 0 |
| ISHARES TR | RUS MDCP VAL ETF | 464287473 |  | 9423993 | 71318 | SH |  | SOLE |  | 71318 | 0 | 0 |
| ISHARES U S ETF TR | SHORT DURATION B | 46431W507 |  | 223154 | 4367 | SH |  | SOLE |  | 4367 | 0 | 0 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 218127 | 1428 | SH |  | SOLE |  | 1428 | 0 | 0 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 932428 | 3216 | SH |  | SOLE |  | 3216 | 0 | 0 |
| MARSH  MCLENNAN COS INC | COM | 571748102 |  | 466140 | 2132 | SH |  | SOLE |  | 2132 | 0 | 0 |
| META PLATFORMS INC | CL A | 30303M102 |  | 524044 | 710 | SH |  | SOLE |  | 710 | 0 | 0 |
| MICROSOFT CORP | COM | 594918104 |  | 3133959 | 6301 | SH |  | SOLE |  | 6301 | 0 | 0 |
| NURIX THERAPEUTICS INC | COM | 67080M103 |  | 2600713 | 228333 | SH |  | SOLE |  | 228333 | 0 | 0 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 1572119 | 9951 | SH |  | SOLE |  | 9951 | 0 | 0 |
| ORACLE CORP | COM | 68389X105 |  | 261700 | 1197 | SH |  | SOLE |  | 1197 | 0 | 0 |
| PARKER-HANNIFIN CORP | COM | 701094104 |  | 302438 | 433 | SH |  | SOLE |  | 433 | 0 | 0 |
| PG CORP | COM | 69331C108 |  | 352099 | 25258 | SH |  | SOLE |  | 25258 | 0 | 0 |
| PIMCO ETF TR | ENHAN SHRT MA AC | 72201R833 |  | 7020328 | 69830 | SH |  | SOLE |  | 69830 | 0 | 0 |
| PIMCO ETF TR | MULTISECTOR BD | 72201R585 |  | 1049816 | 39556 | SH |  | SOLE |  | 39556 | 0 | 0 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 458322 | 2877 | SH |  | SOLE |  | 2877 | 0 | 0 |
| QUALCOMM INC | COM | 747525103 |  | 237796 | 1493 | SH |  | SOLE |  | 1493 | 0 | 0 |
| SCHWAB STRATEGIC TR | 5 10YR CORP BD | 808524698 |  | 12655820 | 556055 | SH |  | SOLE |  | 556055 | 0 | 0 |
| SCHWAB STRATEGIC TR | INT-TRM U.S TRES | 808524854 |  | 26560134 | 1061132 | SH |  | SOLE |  | 1061132 | 0 | 0 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 |  | 719880 | 29455 | SH |  | SOLE |  | 29455 | 0 | 0 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 227708 | 747 | SH |  | SOLE |  | 747 | 0 | 0 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 473416 | 766 | SH |  | SOLE |  | 766 | 0 | 0 |
| SPDR SERIES TRUST | S DIVID ETF | 78464A763 |  | 247300 | 1822 | SH |  | SOLE |  | 1822 | 0 | 0 |
| SRH TOTAL RETURN FUND INC | COM | 101507101 |  | 285850 | 16168 | SH |  | SOLE |  | 16168 | 0 | 0 |
| THERMO FISHER SCIENTIFIC INC | COM | 883556102 |  | 265982 | 656 | SH |  | SOLE |  | 656 | 0 | 0 |
| UNITED PARCEL SERVICE INC | CL B | 911312106 |  | 450197 | 4460 | SH |  | SOLE |  | 4460 | 0 | 0 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 85716635 | 150902 | SH |  | SOLE |  | 150902 | 0 | 0 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 |  | 6442252 | 72336 | SH |  | SOLE |  | 72336 | 0 | 0 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 384159 | 1264 | SH |  | SOLE |  | 1264 | 0 | 0 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 13912993 | 281298 | SH |  | SOLE |  | 281298 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | VNG RUS2000GRW | 92206C623 |  | 8314410 | 39883 | SH |  | SOLE |  | 39883 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | VNG RUS1000VAL | 92206C714 |  | 61149261 | 717630 | SH |  | SOLE |  | 717630 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | VNG RUS2000VAL | 92206C649 |  | 7953738 | 57184 | SH |  | SOLE |  | 57184 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | VNG RUS1000GRW | 92206C680 |  | 69461277 | 636092 | SH |  | SOLE |  | 636092 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | VNG RUS2000IDX | 92206C664 |  | 1267208 | 14529 | SH |  | SOLE |  | 14529 | 0 | 0 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 64040744 | 1123325 | SH |  | SOLE |  | 1123325 | 0 | 0 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 |  | 255155 | 1914 | SH |  | SOLE |  | 1914 | 0 | 0 |
| VISA INC | COM CL A | 92826C839 |  | 539111 | 1518 | SH |  | SOLE |  | 1518 | 0 | 0 |
| VISTRA CORP | COM | 92840M102 |  | 373084 | 1925 | SH |  | SOLE |  | 1925 | 0 | 0 |
| WESTERN ALLIANCE BANCORP | COM | 957638109 |  | 568396 | 7289 | SH |  | SOLE |  | 7289 | 0 | 0 |

---