Garhwal, Chan & Williams Inc.
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client AUMClient assets under management
$120,683,713
Clients
22
Advisors
2
of 2 employees
About
The firm provides financial planning and discretionary portfolio management to a small, primarily high‑net‑worth client base that includes individuals, trusts, closely held businesses and certain ERISA plans. Advisory services are tailored to each client’s circumstances and implemented primarily through mutual funds and ETFs across a compact roster of 22 clients managed by two advisors.
Its investment approach emphasizes long‑term, asset‑class investing designed to capture risk premiums across five dimensions—market beta, size, value, term and credit quality—with explicit consideration of allocations between U.S. and international markets. The firm favors broadly diversified passive exposures and a multigenerational time horizon, and it does not pursue active market timing or frequent trading.
Distinctive features include an affiliation with a separate certified public accounting practice that provides tax, estate planning and business management services, with the firm’s principals spending roughly half their time on accounting clients and many advisory clients also served by that CPA firm. Uncommonly for peers of this size, the firm reports a notable non‑U.S. client base and does not serve lower‑net‑worth individual clients, resulting in a concentrated, HNW‑focused client roster.
Client services
Expertise
Occupation focus
Demographic focus
Fee options
Financial planning fixed fee ranging from $2,500 to $10,000, negotiated based on scope and complexity
Generally 0.5% per year of assets under management, billed quarterly; may negotiate lower fees based on asset size
Main office
2 Embarcadero Center, Suite 2310
San Francisco CA 94111
Advisors at this office
2
Most active in
California · Texas
Also doing business as
Garhwal, Chan & Williams Inc. · Sh Financial Management, Inc.
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Advisors at this firm
Anita C
Series 65
San Francisco, CA
Garhwal, Chan & Williams Inc.
Anita Chan is a financial advisor at Garhwal, Chan & Williams Inc. with 23 years of industry experience. She holds a Series 65 credential and is a co-founder and partner of a certified public accounting firm that provides business management, consulting, accounting, estate planning, and tax preparation services. Ms. Chan also co-founded Garhwal, Chan & Williams Family Office. Garhwal, Chan & Williams serves a small, primarily high-net-worth client base, including individuals, trusts, closely held businesses, and certain ERISA plans. The firm’s investment approach focuses on long-term, asset-class investing through broadly diversified passive exposures, avoiding active market timing or frequent trading, and has a notable affiliation with a CPA practice that offers complementary tax and estate planning services.
Hari G
CFP®, CFA®, Series 65
San Francisco, CA
Garhwal, Chan & Williams Inc.
Hari Garhwal is a CFP®, CFA®, and Series 65 credentialed advisor with 22 years of industry experience. He is a co-founder and partner at Garhwal, Chan & Williams Inc. and its affiliated family office in San Francisco, where he has worked since 1996. In addition to his advisory role, Mr. Garhwal co-founded a certified public accounting firm that provides business management, consulting, estate planning, and tax preparation services, dedicating about half of his time to accounting clients. Garhwal, Chan & Williams Inc. serves a small, primarily high-net-worth client base including individuals, trusts, closely held businesses, and ERISA plans. The firm offers tailored financial planning and discretionary portfolio management with an investment approach focused on long-term, broadly diversified passive exposures across multiple risk premiums and international markets. Its affiliation with a CPA practice and a concentrated, high-net-worth client roster distinguish the firm.
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