Hardik Joshi, CFP® — Shrey Wealth – Certified Financial Planner

I. The Practice

A practitioner, not a salesman.

Hardik Joshi

Certified Financial Planner®

I learned early that complex systems only run when their fundamentals are sound. Two decades in the markets later, I find the very same truth in portfolios.

An MBA, and a decade at Kotak, taught me what wealth looks like at scale — and how often it is interrupted by impatience, by noise, by the impulse to act. I earned the CFP® mark not for the certificate, but for the discipline it asks of the planner.

Today I lead Shrey Wealth, the advisory I founded — independent, advice-first, with no proprietary product to push. We serve a deliberately small set of families, and much of the real work is invisible, because the best wealth advice is often the conversation that prevented a costly decision.

The portfolio is a small part. The judgment around it is the rest.

— H. J., on twenty years in the chair

2002 MBA · Finance A turn toward markets, and the families behind them.

2004 Kotak Wealth Years with HNI portfolios — the texture of large wealth.

2013 Shrey Wealth · CFP® Founded my own advisory. Fewer clients, deeper work.

II. How I Think

Three quiet ideas, held closely.

i.

Allocation, first.

Markets are forecast every day; allocation is forecast once a decade. The first conversation is rarely about what to buy — it is about where your wealth lives. Across asset, across geography, across time. Most of what follows is downstream of that decision.

The Allocation Lens

ii.

The behavioural half.

A portfolio loses far more to the investor's reflex than to the market's decline. Half of my work is quiet — a phone call before an exit, a slower second cup of coffee during a panic. It is not the spreadsheet that compounds wealth; it is the temperament that lets the spreadsheet run.

The Behavioural Lens

iii.

Plan · Protect · Play

Family wealth divides into three honest jars. The Plan — that which must work for the life. The Protection — insurance, contingency, the unfashionable buffers. The Play — where boldness is permitted, because it is bounded. Most families confuse the three. We will not.

The Three Jars

H. Joshi Hardik Joshi, CFP®

Independent by design, in service to a few.
Member, Financial Planning Standards Board (India).

Shrey Wealth · MMXIII

III. Who I Work With

A small list, chosen carefully.

My work centres on established professionals and the families who build quietly.

A doctor at the height of a demanding practice. A senior partner or executive whose income has outrun their planning. An entrepreneur untangling a household from the business that built it. A family already thinking a generation ahead. Different lives — and a particular depth, over the years, with medical professionals — but one shared wish: to make wealth that already exists mean something across the decades to come.

Engagements are structured around a long relationship, not a transaction. The advice is meant to be clean, patient, and entirely yours — built around the shape of your life, not the sale of a product.

i.

Doctors & medical professionals

A particular specialism, built over years. I understand the shape of a medical career — the late start, the irregular income, the few intense years in which a lifetime of wealth must be built — and I plan around it.

ii.

Senior professionals in the late innings

Consultants, partners, executives — where compensation has compounded faster than financial planning has, and a quieter retirement architecture is now overdue.

iii.

Entrepreneurs & business-owning families

Where the household balance sheet is entangled with an operating business, and the next decade asks for separation, succession, and diversification — quietly done.

iv.

Families thinking inter-generationally

Where the conversation has moved beyond the parent's lifetime — to children, education, philanthropy, and the values that should travel with the money.

A note in candour

I am not the right planner for the search for tips, hot stocks, or quick doubling. There are louder houses for that. Mine is the slower craft of allocation, behaviour, and the long arithmetic of patience.

IV. The Library

Selected writing, without urgency.

FOR BUSINESS FAMILIES

When Family Becomes Payroll

In a family business, the payroll and the family tree slowly become the same document. It feels like loyalty and looks like…

August 2026

HOW WE INVEST

A monograph, by request

The Wealth Allocation Blueprint.

A short, private paper — written for professionals and families with an investable portfolio of ₹2 crore or more. It describes the allocation I would consider, the protection I would insist on, and the questions I would ask before either choice.

It is not a sales document. It is the conversation I would have had, in a room, if we had met. I send it once; there is no follow-up sequence.

V. The Conversation

An unhurried hour, over coffee.

Most of my work begins with a quiet hour — at my office in Anand, in Ahmedabad, or wherever you keep yours.

There is no pitch, no slide deck. There is a notebook, two cups, and a long conversation about what wealth must do for your family.

Office304, Maruti Sankalp, Opp. APC, A. V. Road, Anand

Discreetly info@hardikjoshicfp.in

Direct+91 98 XXXX XXXX · by request