WestHill Financial Advisors, Inc.

The investment strategy is characterized by a "Core and Satellite" architecture, heavily reliant on passive, broad-market Exchange Traded Funds (ETFs) to form the portfolio's foundation. Approximately 89.9% of the total portfolio value is allocated to ETFs, indicating a preference for beta exposure and cost efficiency over active stock selection. The remaining allocation is spread across individual equities, primarily in the technology and healthcare sectors. The portfolio is highly liquid, with the top 10 positions accounting for 78.4% of the total value, suggesting a concentration on primary drivers of return while maintaining a long tail of smaller positions for diversification.

2. Key Holdings

The portfolio is dominated by Vanguard and Schwab ETFs, which comprise the vast majority of the top holdings.