You didn’t build your business by accident. It took grit, instinct, and sacrifices few will ever understand. Now, as you approach the next chapter, the decisions ahead are complex:
- When should you step back?
- Who will carry the torch?
- How do you transition without falling into costly tax or legal traps?
At Sharma & Associates Private Wealth Management, we specialize in helping business owners exit with purpose—not just closure. Our integrated approach to succession planning brings together financial planning and Chartered Professional Accounting expertise, ensuring that every decision is aligned—personally, corporately, and strategically.
No silos. No oversights. No missed opportunities. Just a clear path forward, designed to preserve what you've built and elevate what comes next.
A succession plan built on structure, not guesswork
Succession planning is often treated like a future “to-do” instead of what it truly is—a critical, high-stakes transition that demands discipline and foresight. We work with business owners who are ready to get serious about the next chapter.
With Sharma & Associates, your plan won’t just address if or when you’ll leave the business—but how you’ll do it with control, confidence, and maximum financial advantage. We review:
- Corporate structures and holding companies
- Lifetime capital gains exemption eligibility
- Buy-sell agreements and shareholder alignment
- Cash flow projections and post-exit income needs
- Tax-smart timing and sequencing of the exit
Our unique in-house approach ensures we’re not relying on outside accountants or legal teams to fill in the gaps—we’re reviewing the fine print ourselves and identifying what others miss.
Capital raising to fund growth on your terms
Growth today, options tomorrow. For business owners planning an eventual succession, raising capital is about building a stronger, more valuable business that’s ready for whatever comes next.
Whether you're scaling operations, entering new markets, or investing in infrastructure, we help you secure financing that supports both current momentum and long-term flexibility. Every recommendation is made with your future transition in mind—so you’re not just growing, you’re growing with purpose.
Our capital advisory services include:
- Debt and equity financing
- Mezzanine capital strategies
- Alternative funding sources
- Working capital planning
With Sharma & Associates, you access capital that strengthens your business today—while keeping your succession strategy firmly in sight.
Strategic business advice that informs every decision
As a business owner, the decisions you make now ripple into your eventual exit—so we offer guidance that aligns both your growth and transition goals.
We provide strategic advice for:
- Market entry and expansion planning
- Restructuring and turnaround support
- Succession and exit strategy development
This level of guidance ensures your decisions today won’t box you in tomorrow. Our goal is to create options—and keep them open.
Buying or selling a business? We’ve got you covered.
Whether you’re looking to acquire a new business or sell your own, we offer full support at every step—from initial interest to final signature. Our in-house expertise ensures you understand the deal from every angle: tax, valuation, legacy, and liquidity.
Our M&A guidance includes:
- Deal sourcing and qualification
- Negotiation and valuation review
- Due diligence coordination
- Full and partial divestiture strategy
We protect your interests while keeping the process efficient, professional, and aligned with your bigger picture.
We act as your financial translator
One of the biggest challenges in business succession planning? Misalignment between your team of professionals. Your lawyer speaks legal. Your accountant speaks tax. Your business partner speaks urgency. And you’re stuck in the middle trying to make sense of it all.
Sharma & Associates steps in as the unifying voice. With Jatinder and Reshma working together on your file, we coordinate your business exit strategy across every stakeholder, ensuring your values, goals, and priorities stay at the centre of the conversation. No miscommunications. No missed deadlines. Just one clear plan that everyone is working toward—together.
Maximizing the value of your life’s work
Your business isn’t just a line item—it’s your life’s work. When it’s time to exit, you deserve to walk away with everything you’ve earned, and more.
We begin by thoroughly evaluating your operation, identifying inefficiencies, and highlighting its strengths to help you position the business in its best light—whether you’re passing it on to family or preparing for a sale. Then we layer in strategies that cut unnecessary taxes and uncover underutilized tools to extract and preserve value:
- Tapping into the lifetime capital gains exemption
- Structuring vendor-take-back arrangements or earnouts
- Funding corporate-owned life insurance to create tax-free liquidity
- Preparing for income-splitting and dividend planning post-exit
We treat your business like it’s our business—because we know how much is riding on getting it right.
Family-first or third-party transition? We’ll guide the decision.
Every succession path comes with emotion, uncertainty, and financial implications. We help you compare real, grounded options with clarity—not pressure. Whether you’re considering:
- Passing the business to children or family members
- Selling to a management team
- Accepting an offer from a third-party buyer
We provide detailed financial modelling, legacy impact assessments, and tax consequence projections—so your decision isn’t reactive, it’s informed.
Our experience with small business estate planning also plays a role here. We help you see the bigger picture—how your business exit integrates with your estate transfer, legacy goals, and long-term cash flow.
Your business. Your voice. Our guidance.
This process isn’t about ticking boxes. It’s about preserving the business you’ve built and honouring the story behind it. We don’t push strategies—we listen. We design your business exit strategy to reflect your values, whether that means creating a charitable endowment, protecting employees, or ensuring future ownership stays in the family.
This is about more than what you’re walking away from—it’s about what you’re walking toward.
Why Sharma & Associates?
- A financial planner and CPA on every file, working in-house—not across firm lines
- Decades of combined experience in corporate structures, advanced tax planning, and transition strategy
- Detailed oversight of every agreement, tax return, and legal document that touches your business
- The ability to speak the language of your other professionals—and translate it all into one cohesive plan
- A hands-on, accessible approach that puts your goals first—always