As a business owner, you face unique challenges—limited time, critical decisions, and a financial life that’s both complex and intertwined with your business. Whether you're managing business growth, planning for retirement, or preparing for succession, separating personal and business finances can be difficult.
That’s why we have built Sharma & Associates Private Wealth Management—to provide financial advice for business owners and simplify the complexities of financial planning.
Our team includes both a CERTIFIED FINANCIAL PLANNER® professional and a Chartered Professional Accountant, working together in-house on every client file. This close collaboration means your financial strategy is never siloed, delayed, or lost in translation. Instead, it’s fully integrated, carefully reviewed from every angle, and designed to protect—and grow—what you’ve worked so hard to build.
Financial planning that works for your business—and your life
We understand that small business owners don’t think in straight lines. Your finances may be tied up in equipment, retained earnings, or long-term succession conversations. Maybe you’re planning for retirement—or maybe your priority is ensuring your family is protected, no matter what the future holds.
At Sharma & Associates, we offer financial advice built around both sides of the equation: your business and your personal goals. We help you:
- Establish or optimize a holding company to manage retained earnings and reduce taxes
- Leverage corporate-owned insurance to protect your family and minimize estate costs
- Build diversified investment portfolios outside of your business to grow long-term wealth
- Develop succession and exit strategies that let you step away with confidence and value
- Review and align legal documents—including wills, POAs, trusts, and shareholder agreements—for a secure, forward-looking plan
We don’t rely on guesswork. We take a line-by-line approach to your financial picture, bringing structure, clarity, and strategy to every part of it—so you can make better decisions today, and face the future with confidence.
And, we understand that while your business is the engine, your family is the heart of it all. We craft financial plans that bring clarity and continuity for both.
Why business owners trust Sharma & Associates
We’ve worked with incorporated contractors, retail entrepreneurs, family business founders, professional service firms, and business owners across a wide range of industries. What they all have in common is the need for a financial advisor who truly understands how real businesses operate—and how business and personal finances intersect.
At Sharma & Associates, we’re known for being hands-on, proactive, and exceptionally thorough. Unlike many firms, we don’t lead with products or prepackaged solutions. We start by understanding you—your values, your goals, your business, and your family. From there, we design a strategy that reflects your full financial picture.
We act as your second set of eyes—identifying what’s been overlooked, anticipating what’s ahead, and showing you how your business and personal finances work together. Many of our clients tell us we’re the first to bring true clarity to both sides of their financial life—and the first to help them truly optimize both.