# Hutchinson & Ziegler Financial Advisors

Hutchinson & Ziegler Financial Advisors is a Bank / Wealth / Trust based in San Rafael, United States.

## Overview

- **Organization type:** Bank / Wealth / Trust
- **Headquarters:** San Rafael, United States
- **Region:** North America
- **Address:** San Rafael, CA, United States
- **Founded:** 2003
- **Assets under management:** Undisclosed
- **Website:** hzadvisors.com
- **LinkedIn:** https://www.linkedin.com/company/hutchinson-&-ziegler-financial-advisors-inc.

## Regulatory record

- **CRD number:** 145096
- **SEC file number:** 801-110476
- **Registration status:** APPROVED
- **Latest Form ADV filing:** 2026-05-14T05:00:00.000Z
- **Reports private funds:** No
- **Private funds reported:** 0
- **IAPD record:** https://adviserinfo.sec.gov/firm/summary/145096

## About

Founded in 2003 by its eponymous principals, Hutchinson & Ziegler Financial Advisors operates from San Rafael, California, as a registered investment advisor serving individuals, families, and corporate clients. The firm's RIA designation is structurally meaningful — it imposes a fiduciary duty to place client interests ahead of its own, distinguishing it from broker-dealer models common elsewhere in Marin County wealth management. Hutchinson & Ziegler's investment mandate spans asset management, investment management, and wealth advisory, targeting a client base that includes private individuals, multi-generational families, and corporate entities. While the firm does not publicly disclose a flagship fund or institutional separate-account minimums, its RIA structure typically implies customized separately managed accounts rather than pooled fund vehicles. The geographic footprint concentrates on the North Bay corridor, where San Rafael serves as the professional-services anchor for a high-net-worth residential base stretching from Sausalito to Sonoma. The firm does not publish total assets under management, team headcount, or named adjacent vehicles such as philanthropic foundations or real-asset arms. Public regulatory filings as an RIA provide the most reliable window into its scale, but those details remain opaque from external sources. No recent operational milestones — personnel moves, office expansions, or new vehicle launches — are publicly documented. Hutchinson & Ziegler's structural differentiator lies in its fiduciary chassis. The RIA wrapper forces a fee-for-advice alignment that broker-dealers cannot replicate without a separate RIA entity, making the firm a direct counterpart to the Marin County families and business owners who prefer an advisory relationship unconflicted by commission-based product distribution.

## Questions

### Is Hutchinson & Ziegler a fiduciary?

Yes. As a registered investment advisor, Hutchinson & Ziegler operates under the Investment Advisers Act of 1940, which imposes a fiduciary duty to act in the best interest of its clients. This legal standard requires the firm to disclose conflicts of interest and prioritize client needs over its own revenue considerations — a structural obligation that broker-dealers do not fully share.

### Does Hutchinson & Ziegler run pooled investment funds?

No pooled funds are publicly associated with the firm. Most registered investment advisors of this profile manage assets through separately managed accounts tailored to individual client circumstances, rather than operating the collective investment trusts or mutual funds typical of larger asset managers.

### How does an RIA differ from a broker-dealer in wealth management?

An RIA is legally a fiduciary, meaning it must place client interests first, charge transparent fees (often a percentage of assets under management or a flat retainer), and disclose conflicts. Broker-dealers operate under a suitability standard — recommendations must merely be suitable, not necessarily optimal or lowest-cost. Hutchinson & Ziegler's RIA structure favors advice-driven relationships over product distribution.

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Last updated: 2026-07-06T00:34:33.204Z

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