# EDGAR Filing Document

**Accession Number:** 0001759641
**File Stem:** 0001398344-23-003325
**Filing Date:** 2023-2
**Character Count:** 15680
**Document Hash:** 375a2011c1b5cc29839cc827ccb512a8
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001398344-23-003325.hdr.sgml**: 20230214

**ACCESSION NUMBER**: 0001398344-23-003325

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20221231

**FILED AS OF DATE**: 20230214

**DATE AS OF CHANGE**: 20230214

**EFFECTIVENESS DATE**: 20230214

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** WestHill Financial Advisors, Inc.
- **CENTRAL INDEX KEY:** 0001759641
- **IRS NUMBER:** 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:** 23627127

**BUSINESS ADDRESS:**
- **STREET 1:** 999 FIFTH AVE
- **STREET 2:** SUITE 300
- **CITY:** SAN RAFAEL
- **STATE:** CA
- **ZIP:** 94901
- **BUSINESS PHONE:** 4153029152

**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:** 12-31-2022

**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:** Diane M. McCracken<br>**Title:** CCO Corporate Secretary<br>**Phone:** 415-482-1561

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

/s/ Diane M. McCracken  San Rafael, CA  02-13-2023<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:** 118

**Form 13F Information Table Value Total:** $312938201

      (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 |
| AMAZON COM INC | COM | 023135106 |  | 884688 | 10532 | SH |  | SOLE |  | 10532 | 0 | 0 |
| SRH TOTAL RETURN FUND INC | COM | 101507101 |  | 205334 | 16168 | SH |  | SOLE |  | 16168 | 0 | 0 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 345701 | 1298 | SH |  | SOLE |  | 1298 | 0 | 0 |
| SELECT SECTOR SPDR TR | TECHNOLOGY | 81369Y803 |  | 44923 | 361 | SH |  | SOLE |  | 361 | 0 | 0 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 574819 | 3254 | SH |  | SOLE |  | 3254 | 0 | 0 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 206648 | 1081 | SH |  | SOLE |  | 1080 | 0 | 0 |
| ISHARES TR | MSCI EMG MKT ETF | 464287234 |  | 74095 | 1955 | SH |  | SOLE |  | 1955 | 0 | 0 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 440867 | 2909 | SH |  | SOLE |  | 2908 | 0 | 0 |
| UNITED PARCEL SERVICE INC | CL B | 911312106 |  | 789670 | 4543 | SH |  | SOLE |  | 4542 | 0 | 0 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 |  | 4426643 | 53669 | SH |  | SOLE |  | 53669 | 0 | 0 |
| WESTERN ALLIANCE BANCORP | COM | 957638109 |  | 434133 | 7289 | SH |  | SOLE |  | 7289 | 0 | 0 |
| MERCK  CO INC | COM | 58933Y105 |  | 264505 | 2384 | SH |  | SOLE |  | 2384 | 0 | 0 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 255169 | 667 | SH |  | SOLE |  | 667 | 0 | 0 |
| ISHARES TR | CRE U S REIT ETF | 464288521 |  | 1929 | 39 | SH |  | SOLE |  | 39 | 0 | 0 |
| ISHARES TR | TIPS BD ETF | 464287176 |  | 18627 | 175 | SH |  | SOLE |  | 175 | 0 | 0 |
| ISHARES TR | S 100 ETF | 464287101 |  | 28315 | 166 | SH |  | SOLE |  | 166 | 0 | 0 |
| INVESCO EXCHANGE TRADED FD T | S MDCP400 PR | 46137V217 |  | 74690 | 417 | SH |  | SOLE |  | 417 | 0 | 0 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 |  | 327769 | 8319 | SH |  | SOLE |  | 8319 | 0 | 0 |
| FORD MTR CO DEL | COM | 345370860 |  | 145177 | 12483 | SH |  | SOLE |  | 12483 | 0 | 0 |
| ISHARES TR | RUS 2000 VAL ETF | 464287630 |  | 115618 | 834 | SH |  | SOLE |  | 833 | 0 | 0 |
| SELECT SECTOR SPDR TR | SBI HEALTHCARE | 81369Y209 |  | 134627 | 991 | SH |  | SOLE |  | 991 | 0 | 0 |
| SCHWAB STRATEGIC TR | US SML CAP ETF | 808524607 |  | 27223 | 672 | SH |  | SOLE |  | 672 | 0 | 0 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 899834 | 4200 | SH |  | SOLE |  | 4200 | 0 | 0 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 |  | 516787 | 11446 | SH |  | SOLE |  | 11446 | 0 | 0 |
| SELECT SECTOR SPDR TR | SBI CONS STPLS | 81369Y308 |  | 25943 | 348 | SH |  | SOLE |  | 348 | 0 | 0 |
| PIMCO ETF TR | ENHAN SHRT MA AC | 72201R833 |  | 6609124 | 66996 | SH |  | SOLE |  | 66995 | 0 | 0 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 171703 | 1814 | SH |  | SOLE |  | 1814 | 0 | 0 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 602046 | 1949 | SH |  | SOLE |  | 1949 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 |  | 51881 | 690 | SH |  | SOLE |  | 690 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | INT-TERM CORP | 92206C870 |  | 147269 | 1900 | SH |  | SOLE |  | 1900 | 0 | 0 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 143021 | 1621 | SH |  | SOLE |  | 1621 | 0 | 0 |
| SCHWAB STRATEGIC TR | INTL SCEQT ETF | 808524888 |  | 10070 | 320 | SH |  | SOLE |  | 320 | 0 | 0 |
| MICROSOFT CORP | COM | 594918104 |  | 1607530 | 6703 | SH |  | SOLE |  | 6703 | 0 | 0 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 43090 | 211 | SH |  | SOLE |  | 211 | 0 | 0 |
| VANGUARD INDEX FDS | LARGE CAP ETF | 922908637 |  | 97378 | 559 | SH |  | SOLE |  | 559 | 0 | 0 |
| NIKE INC | CL B | 654106103 |  | 524907 | 4486 | SH |  | SOLE |  | 4486 | 0 | 0 |
| SCHWAB STRATEGIC TR | INT-TRM U.S TRES | 808524854 |  | 20560270 | 417637 | SH |  | SOLE |  | 417637 | 0 | 0 |
| VANGUARD ADMIRAL FDS INC | MIDCP 400 VAL | 921932844 |  | 3989 | 26 | SH |  | SOLE |  | 26 | 0 | 0 |
| VANGUARD ADMIRAL FDS INC | MIDCP 400 IDX | 921932885 |  | 127257 | 778 | SH |  | SOLE |  | 778 | 0 | 0 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 54086762 | 153944 | SH |  | SOLE |  | 153944 | 0 | 0 |
| INVESCO EXCHANGE TRADED FD T | S EQL WGT | 46137V357 |  | 55653 | 394 | SH |  | SOLE |  | 394 | 0 | 0 |
| VANGUARD ADMIRAL FDS INC | SMLLCP 600 IDX | 921932828 |  | 106932 | 617 | SH |  | SOLE |  | 617 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | VNG RUS2000IDX | 92206C664 |  | 903260 | 12836 | SH |  | SOLE |  | 12835 | 0 | 0 |
| LILLY ELI  CO | COM | 532457108 |  | 200846 | 549 | SH |  | SOLE |  | 549 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | VNG RUS1000GRW | 92206C680 |  | 39506456 | 716735 | SH |  | SOLE |  | 716735 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | VNG RUS1000VAL | 92206C714 |  | 42335419 | 635858 | SH |  | SOLE |  | 635857 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | VNG RUS2000GRW | 92206C623 |  | 5396232 | 34656 | SH |  | SOLE |  | 34655 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | VNG RUS2000VAL | 92206C649 |  | 5601743 | 46003 | SH |  | SOLE |  | 46002 | 0 | 0 |
| ISHARES TR | RUS MDCP VAL ETF | 464287473 |  | 6411269 | 60863 | SH |  | SOLE |  | 60862 | 0 | 0 |
| VANGUARD ADMIRAL FDS INC | 500 GRTH IDX F | 921932505 |  | 1688 | 8 | SH |  | SOLE |  | 8 | 0 | 0 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 129385 | 742 | SH |  | SOLE |  | 742 | 0 | 0 |
| SCHWAB STRATEGIC TR | 5 10YR CORP BD | 808524698 |  | 9192885 | 213292 | SH |  | SOLE |  | 213292 | 0 | 0 |
| VANGUARD ADMIRAL FDS INC | MIDCP 400 GRTH | 921932869 |  | 4910 | 29 | SH |  | SOLE |  | 29 | 0 | 0 |
| ISHARES TR | SELECT DIVID ETF | 464287168 |  | 7477 | 62 | SH |  | SOLE |  | 62 | 0 | 0 |
| NURIX THERAPEUTICS INC | COM | 67080M103 |  | 3110996 | 283333 | SH |  | SOLE |  | 283333 | 0 | 0 |
| ISHARES TR | RUS MD CP GR ETF | 464287481 |  | 6153945 | 73612 | SH |  | SOLE |  | 73611 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | VNG RUS1000IDX | 92206C730 |  | 13941 | 80 | SH |  | SOLE |  | 80 | 0 | 0 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 |  | 7554 | 100 | SH |  | SOLE |  | 100 | 0 | 0 |
| INVESCO EXCHANGE TRADED FD T | FTSE RAFI 1000 | 46137V613 |  | 7447 | 48 | SH |  | SOLE |  | 48 | 0 | 0 |
| DIMENSIONAL ETF TRUST | US SMALL CAP ETF | 25434V500 |  | 79692 | 1558 | SH |  | SOLE |  | 1558 | 0 | 0 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 2 | 25434V708 |  | 2257530 | 92979 | SH |  | SOLE |  | 92979 | 0 | 0 |
| DIMENSIONAL ETF TRUST | US TARGETED VLU | 25434V609 |  | 165384 | 3763 | SH |  | SOLE |  | 3763 | 0 | 0 |
| DIMENSIONAL ETF TRUST | US EQUITY ETF | 25434V401 |  | 647618 | 15564 | SH |  | SOLE |  | 15564 | 0 | 0 |
| DIMENSIONAL ETF TRUST | INTERNATNAL VAL | 25434V807 |  | 62989 | 2072 | SH |  | SOLE |  | 2072 | 0 | 0 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 174620 | 1244 | SH |  | SOLE |  | 1244 | 0 | 0 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 16030 | 75 | SH |  | SOLE |  | 75 | 0 | 0 |
| DIMENSIONAL ETF TRUST | US MKTWIDE VALUE | 25434V724 |  | 589215 | 17599 | SH |  | SOLE |  | 17599 | 0 | 0 |
| INVESCO EXCHANGE TRADED FD T | FTSE RAFI 1500 | 46137V597 |  | 16633 | 105 | SH |  | SOLE |  | 105 | 0 | 0 |
| ACCENTURE PLC IRELAND | SHS CLASS A | G1151C101 |  | 223345 | 837 | SH |  | SOLE |  | 837 | 0 | 0 |
| ISHARES TR | ISHS 1-5YR INVS | 464288646 |  | 75527 | 1516 | SH |  | SOLE |  | 1516 | 0 | 0 |
| ISHARES TR | SHORT TREAS BD | 464288679 |  | 352404 | 3206 | SH |  | SOLE |  | 3206 | 0 | 0 |
| ABBVIE INC | COM | 00287Y109 |  | 594563 | 3679 | SH |  | SOLE |  | 3679 | 0 | 0 |
| VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 |  | 16296 | 325 | SH |  | SOLE |  | 325 | 0 | 0 |
| VAALCO ENERGY INC | COM NEW | 91851C201 |  | 69499 | 15241 | SH |  | SOLE |  | 15241 | 0 | 0 |
| INVESCO EXCHANGE TRADED FD T | FINL PFD ETF | 46137V621 |  | 15840 | 1100 | SH |  | SOLE |  | 1100 | 0 | 0 |
| ISHARES TR | RUS 2000 GRW ETF | 464287648 |  | 66287 | 309 | SH |  | SOLE |  | 308 | 0 | 0 |
| ISHARES TR | RUS MID CAP ETF | 464287499 |  | 1055944 | 15655 | SH |  | SOLE |  | 15655 | 0 | 0 |
| ADVANCED MICRO DEVICES INC | COM | 007903107 |  | 733326 | 11322 | SH |  | SOLE |  | 11322 | 0 | 0 |
| AT INC | COM | 00206R102 |  | 226677 | 12313 | SH |  | SOLE |  | 12312 | 0 | 0 |
| ISHARES TR | ISHARES BIOTECH | 464287556 |  | 7090 | 54 | SH |  | SOLE |  | 54 | 0 | 0 |
| SCHWAB STRATEGIC TR | SCHWAB FDT US SC | 808524763 |  | 4018 | 86 | SH |  | SOLE |  | 86 | 0 | 0 |
| SCHWAB STRATEGIC TR | SCHWAB FDT US LG | 808524771 |  | 27308 | 511 | SH |  | SOLE |  | 511 | 0 | 0 |
| ISHARES TR | S SML 600 GWT | 464287887 |  | 1081 | 10 | SH |  | SOLE |  | 10 | 0 | 0 |
| SELECT SECTOR SPDR TR | SBI CONS DISCR | 81369Y407 |  | 21570 | 167 | SH |  | SOLE |  | 167 | 0 | 0 |
| SCHWAB STRATEGIC TR | SCHWB FDT INT SC | 808524748 |  | 15224 | 487 | SH |  | SOLE |  | 487 | 0 | 0 |
| SCHWAB STRATEGIC TR | SCHWB FDT EMK LG | 808524730 |  | 6517 | 263 | SH |  | SOLE |  | 263 | 0 | 0 |
| SCHWAB STRATEGIC TR | SCHWB FDT INT LG | 808524755 |  | 4884 | 168 | SH |  | SOLE |  | 168 | 0 | 0 |
| ISHARES TR | S 500 VAL ETF | 464287408 |  | 32175 | 222 | SH |  | SOLE |  | 221 | 0 | 0 |
| ISHARES TR | CORE S ETF | 464287200 |  | 2781573 | 7240 | SH |  | SOLE |  | 7239 | 0 | 0 |
| UNION PAC CORP | COM | 907818108 |  | 207898 | 1004 | SH |  | SOLE |  | 1004 | 0 | 0 |
| INVESCO EXCHANGE TRADED FD T | DWA MOMENTUM | 46137V837 |  | 131648 | 1853 | SH |  | SOLE |  | 1852 | 0 | 0 |
| THERMO FISHER SCIENTIFIC INC | COM | 883556102 |  | 367861 | 668 | SH |  | SOLE |  | 668 | 0 | 0 |
| CHEVRON CORP NEW | COM | 166764100 |  | 1123572 | 6260 | SH |  | SOLE |  | 6259 | 0 | 0 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 40756351 | 971083 | SH |  | SOLE |  | 971082 | 0 | 0 |
| DANAHER CORPORATION | COM | 235851102 |  | 501113 | 1888 | SH |  | SOLE |  | 1888 | 0 | 0 |
| SPDR SER TR | S DIVID ETF | 78464A763 |  | 227950 | 1822 | SH |  | SOLE |  | 1822 | 0 | 0 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 8516793 | 218491 | SH |  | SOLE |  | 218491 | 0 | 0 |
| PFIZER INC | COM | 717081103 |  | 599004 | 11690 | SH |  | SOLE |  | 11690 | 0 | 0 |
| ISHARES TR | IBOXX INV CP ETF | 464287242 |  | 158145 | 1500 | SH |  | SOLE |  | 1500 | 0 | 0 |
| CATERPILLAR INC | COM | 149123101 |  | 433843 | 1811 | SH |  | SOLE |  | 1811 | 0 | 0 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 203458 | 2293 | SH |  | SOLE |  | 2293 | 0 | 0 |
| ISHARES TR | CORE S US GWT | 464287671 |  | 34157 | 419 | SH |  | SOLE |  | 419 | 0 | 0 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 1265720 | 13050 | SH |  | SOLE |  | 13050 | 0 | 0 |
| ISHARES TR | 20 YR TR BD ETF | 464287432 |  | 8363 | 84 | SH |  | SOLE |  | 84 | 0 | 0 |
| ISHARES TR | SP SMCP600VL ETF | 464287879 |  | 3652 | 40 | SH |  | SOLE |  | 40 | 0 | 0 |
| BANK MARIN BANCORP | COM | 063425102 |  | 239362 | 7280 | SH |  | SOLE |  | 7279 | 0 | 0 |
| FIDELITY MERRIMACK STR TR | TOTAL BD ETF | 316188309 |  | 22604722 | 502104 | SH |  | SOLE |  | 502104 | 0 | 0 |
| BRISTOL-MYERS SQUIBB CO | COM | 110122108 |  | 337949 | 4697 | SH |  | SOLE |  | 4697 | 0 | 0 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 296415 | 2687 | SH |  | SOLE |  | 2687 | 0 | 0 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 213857 | 884 | SH |  | SOLE |  | 884 | 0 | 0 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 441864 | 6732 | SH |  | SOLE |  | 6731 | 0 | 0 |
| APPLE INC | COM | 037833100 |  | 6136358 | 47228 | SH |  | SOLE |  | 47228 | 0 | 0 |
| ABBOTT LABS | COM | 002824100 |  | 290849 | 2649 | SH |  | SOLE |  | 2649 | 0 | 0 |
| DISNEY WALT CO | COM | 254687106 |  | 282234 | 3249 | SH |  | SOLE |  | 3248 | 0 | 0 |
| ISHARES TR | RUS 1000 ETF | 464287622 |  | 24420 | 116 | SH |  | SOLE |  | 116 | 0 | 0 |
| CYTOMX THERAPEUTICS INC | COM | 23284F105 |  | 27331 | 17082 | SH |  | SOLE |  | 17082 | 0 | 0 |
| MARSH  MCLENNAN COS INC | COM | 571748102 |  | 217772 | 1316 | SH |  | SOLE |  | 1316 | 0 | 0 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 |  | 1746612 | 11517 | SH |  | SOLE |  | 11517 | 0 | 0 |

---