Hari R. Garhwal

GARHWAL, CHAN & WILLIAMS

San Francisco, CA 94111

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CRD#: 4636550

Professional summary

Hari Ram Garhwal, CFP®, who also goes by Hari Ram J Garhwal, is a registered financial advisor currently at GARHWAL, CHAN & WILLIAMS INC. located in San Francisco, California.

Hari is registered as an IAR (Investment Advisor Representative) and started their career in finance in 2003. Hari has worked at 1 firm and has passed the Series 65 exam.

Question & Answer

Are you a "fiduciary"?

Yes

Aliases

Hari Ram J Garhwal

Other business activities

Outside business activity is any business or activity undertaken by an advisor that is outside the scope of their relationship with their firm (e.g., consulting services, real estate, freelance work, teaching, etc.). Investors should stay informed about these activities to ensure no conflicts of interest.

Mr. Garhwal is also a co-Founder and Partner of Garhwal, Chan & Williams ("GC&W"), certified public accountants, which provides business management and consulting, accounting, estate planning, and tax preparation services to individuals and business entities. Our investment advisory clients may also be clients of GC&W. Mr. Garhwal expects to spend approximately 50% of his time working with accounting clients. Mr. Garhwal is also a co-Founder and Partner of Garhwal, Chan & Williams Family Office. He spends approximately 6% of his time in this activity and does not expect that investment advisory clients will also be clients of the family office.

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Hari Ram Garhwal's CRS (Customer Relationship Summary).

CRS (Customer Relationship Summary)

Certified licenses

Advisors may have various certifications and credentials from different organizations. AdvisorCheck highlights these seven certifications - AIF®, CFP®, ChFC®, CFA, CLU®, CIMA®, CPWA®

CFP^®

Certified Financial Planner

Start date: 2003

Experience

Current

April 14, 2003 - Present

GARHWAL, CHAN & WILLIAMS INC.

Office #1: 2 Embarcadero Center Suite 2310, San Francisco, CA 94111

RIA

CRD#: 125484

San Francisco, CA

State Registrations and Notice Filings

Listed states reflect where the advisor is authorized to serve clients under state regulations.

IAR

means the advisor is registered as an Investment Advisor Representative in this state and is authorized to provide investment advice to clients there.

Highlighted states indicate IAR registrations

IAR

California
(4/14/2003)

IAR

Texas
(5/5/2023)

Don't see your state listed? The advisor may still be able to work with you under the federal De Minimis Rule, which allows up to five investment advisory clients in a state without registration. Some states, like TX, LA, NE, and NH, may still require registration or notice filing. Contact the advisor or their firm to confirm their investment advisory availability in your state.

Exams

State Security Law Exam

IAR

Series 65

Date: 7/27/2001

Uniform Investment Adviser Law Examination

Current Firm

GARHWAL, CHAN & WILLIAMS INC.

GARHWAL, CHAN & WILLIAMS INC. | SH FINANCIAL MANAGEMENT, INC.

CRD#: 125484 / SEC#: 801-134542

California

Registered Investment Advisory firm - (4/14/2003 Approved)

Texas

Registered Investment Advisory firm - (4/14/2023 Conditional Restricted)

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Contact information

Main Address

2 Embarcadero Center Suite 2310, San Francisco, CA 94111

Mailing Address

Phone number

(415) 263-1900

Established

Firm type

Fiscal year end

# of Employees

Documents

Customer Relationship Summary (CRS / SEC)

Latest Form ADV

Part 2 Brochures

DISCLOSURE DOCUMENT FOR ALL CLIENTS (9/11/2025)

Regulatory assets under management

Total Number of Accounts	74
AUM (Assets Under Management)	$ 123,614,152

Red Flags

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Check for any disclosures as part of your thorough research when choosing an advisor.

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Hari R. Garhwal

Professional summary

Question & Answer

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Hari Ram Garhwal's CRS (Customer Relationship Summary).

Certified licenses

Experience

GARHWAL, CHAN & WILLIAMS INC.

State Registrations and Notice Filings

Exams

Series 65

Date: 7/27/2001

Current Firm

GARHWAL, CHAN & WILLIAMS INC.

Contact information

Documents

Part 2 Brochures

Regulatory assets under management

Red Flags

Company Information

GARHWAL, CHAN & WILLIAMS INC.

TRUST BUT VERIFY

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