# Garhwal, Chan & Williams Inc.

> Garhwal, Chan & Williams Inc. is an SEC-registered investment advisory firm in San Francisco, CA, registered since 2025, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated January 26, 2026.

- CRD: 125484
- Filed as: GARHWAL, CHAN & WILLIAMS INC.
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: San Francisco, CA
- Filing period: October 2026
- Form ADV filing dated: January 26, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/125484
- AdvisorCensus page: https://advisorcensus.com/firm/garhwal-chan-and-williams-inc-san-francisco-ca-125484

## Quick answers

**How is Garhwal, Chan & Williams Inc. compensated?**
On its Form ADV (Item 5.E, October 2026), Garhwal, Chan & Williams Inc. reports these compensation arrangements: a percentage of assets under its management; fixed fees (other than subscription fees).

**How much does Garhwal, Chan & Williams Inc. charge?**
Its Form ADV Part 2A brochure dated January 26, 2026 states: Flat fee: $2,500 to $10,000 (Financial planning services). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is Garhwal, Chan & Williams Inc. located?**
Garhwal, Chan & Williams Inc.'s principal office is in San Francisco, CA, according to its Form ADV.

**Is Garhwal, Chan & Williams Inc. registered with the SEC or a state?**
Garhwal, Chan & Williams Inc. is an SEC-registered investment advisory firm, registered since 2025. Status as filed: Approved. CRD 125484.

**How much does Garhwal, Chan & Williams Inc. manage?**
Garhwal, Chan & Williams Inc. reports $133,595,574 in regulatory assets under management in its Form ADV filing dated January 26, 2026 (100% discretionary).

**What types of clients does Garhwal, Chan & Williams Inc. serve?**
By number of clients on Form ADV Item 5.D: high net worth individuals (22); pension and profit sharing plans (but not the plan participants or government pension plans) (6).

**Which custodians does Garhwal, Chan & Williams Inc. use?**
Garhwal, Chan & Williams Inc.'s most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Charles Schwab & Co., Inc. and Vanguard Marketing Corporation as custodians holding 10% or more of its separately managed account assets.

**Does Garhwal, Chan & Williams Inc. report any disciplinary disclosures?**
Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/125484

**What changed in Garhwal, Chan & Williams Inc.'s recent Form ADV filings?**
In the December 2025 filing data: Newly registered with the SEC.

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Fixed fees (other than subscription fees)

### Fees and minimums (Form ADV Part 2A brochure dated January 26, 2026)

- Flat fee: $2,500 to $10,000 (Financial planning services)

> Financial planning services are provided for a fixed fee ranging from $2,500 to $10,000. We will negotiate a flat fee for the financial plan based on the scope and complexity of the review to be done.

As stated in the firm's brochure. Fees can differ by service and may be negotiable.

### Custodians (Schedule D, Section 5.K(3))
- Charles Schwab & Co., Inc.
- Vanguard Marketing Corporation

Custodians holding 10% or more of the firm's separately managed account assets, as filed on Form ADV (Schedule D, Section 5.K(3)). A custodian holds client assets; it does not endorse or supervise the firm. AdvisorCensus has no relationship with any custodian.

### Regulatory assets under management (Item 5.F)
- Total: $133,595,574
- Discretionary: $133,595,574
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| High net worth individuals | 22 | $120,683,713 |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | 6 | $10,724,066 |
| Charitable organizations | Fewer than 5 | $2,187,795 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses
- Portfolio management for businesses (other than small businesses) or institutional clients
- Pension consulting services

### Firm details
- Registered since: 2025 (0 years)
- Employees: 2 total, 2 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: CA, TX
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- gcwinc.com

## Changes in the filing (last 12 months)

### December 2025
- Newly registered with the SEC.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Garhwal, Chan & Williams Inc. (CRD 125484): Form ADV filing data as of October 2026.