About The Hedged Group

A personalized approach to protecting what matters most to high-income families.

Harshil Chilukuri - Founder of The Hedged Group

Meet Harshil Chilukuri

Founder & Principal Insurance Advisor

I founded The Hedged Group with a clear mission: to provide high-income families with the sophisticated insurance strategies they deserve—without the complexity and confusion that often comes with financial planning.

Having worked with clients across various industries—from physicians and attorneys to business owners and tech executives—I've seen firsthand how the right insurance strategy can transform a family's financial future. My approach is simple: listen first, understand deeply, then recommend precisely what fits.

Every family I work with receives my direct attention. No hand-offs to junior staff, no call centers. When you work with The Hedged Group, you work directly with me.

Credentials & Licensing

  • Licensed Insurance Agent - #4512923
  • Life & Health Insurance Specialist
  • Nationwide Coverage - All 50 States
  • Annuity & IUL Certified
Our Philosophy

Values That Guide Us

These principles shape every interaction and recommendation we make.

Transparency

No hidden fees, no confusing jargon. We explain everything in clear terms so you can make informed decisions.

Integrity

We recommend only what's genuinely right for your situation—even if it means suggesting you don't need additional coverage.

Personalization

Your financial situation is unique. Your insurance strategy should be too. We never use one-size-fits-all solutions.

Long-Term Focus

We build lasting relationships. Your needs will evolve, and we'll be here to adapt your strategy as life changes.

Our Process

How We Work Together

A straightforward approach designed to understand your needs and deliver tailored solutions.

1

Discovery Call

We start with a complimentary consultation to understand your goals, concerns, and current financial situation.

2

Analysis

We analyze your needs and research the best product options across multiple carriers to find optimal fits.

3

Presentation

We present clear, easy-to-understand recommendations with transparent pricing and no pressure tactics.

4

Implementation

Once you decide, we handle all paperwork and guide you through a seamless application process.

Our Focus

Why We Specialize in High-Income Families

High earners face unique challenges that require specialized expertise.

Tax Optimization

Higher income means higher tax burden. Products like IULs can provide tax-free retirement income and help maximize wealth transfer to heirs.

Asset Protection

Success often comes with exposure. Life insurance and annuities can provide creditor protection and secure wealth outside vulnerable accounts.

Complex Planning Needs

Business ownership, multiple income streams, and sophisticated estate plans require advisors who understand nuanced strategies.

Legacy Planning

Ensuring your wealth passes efficiently to the next generation requires thoughtful planning and the right products in place.

Let's Start the Conversation

Schedule a complimentary consultation to discuss how we can help protect your family's financial future.

Book Free Consultation