Wealth doesn’t have to be the endgame. It can be the engine behind something bigger. Whether you're supporting a local shelter, funding medical research, or creating a scholarship in your family's name, your charitable giving should reflect what you stand for—not just what you’ve accumulated

At Sharma & Associates Private Wealth Management, we help business owners, high-net-worth families, and incorporated professionals use their financial resources to drive meaningful, lasting change.

What makes our charitable giving strategies different? At Sharma & Associates, your generosity gets the same level of technical scrutiny as your tax and investment plan. We don’t just talk about donor-advised funds or gifting strategies—we evaluate the long-term impact across your personal and corporate structures.

Strategy meets heart

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Smart giving isn’t about giving more. It’s about giving better. The goal is to maximize your impact while preserving your wealth and reducing tax. That’s where our approach shines.

We integrate your charitable giving with your retirement planning, estate strategy, and tax structure. Whether it’s gifting appreciated securities, leveraging life insurance, or creating a donor-advised fund, every recommendation is aligned with your personal values and long-term financial goals.

You choose the cause. We handle the structure, tax benefits, and long-term planning—so your generosity doesn’t just feel good, it works harder.

Donor-advised funds

Donor-advised funds (DAFs) offer a simple, efficient way to give. With a DAF, you receive immediate tax benefits, but retain flexibility to grant funds to different charities over time. It’s an ideal structure for clients who want to build a giving legacy without managing a private foundation.

We help you set up and manage your DAF, ensuring it aligns with your cash flow, tax strategy, and family plans. For many clients, a DAF becomes the cornerstone of their charitable giving strategy—combining ease, impact, and legacy.

Appreciated securities

Donating publicly traded securities is one of the most tax-efficient ways to give. By donating shares directly to a registered charity, you avoid paying capital gains tax—and you still get a tax receipt for the full market value of the donation.

It’s smart giving: the charity receives the full value, and you reduce your tax bill. We ensure the donation process is seamless, and that the gift fits into your larger financial strategy.

Life insurance for long-term giving

A lesser-known but powerful tool in your charitable giving strategy: life insurance. By naming a charity as a beneficiary of a life insurance policy, you can create a sizable donation for a cause you care about—without affecting your estate’s liquidity or your family’s inheritance.

Premium payments may also qualify for tax credits, giving you immediate benefits while securing future impact. We work with clients throughout Brampton, Mississauga, and beyond to structure high-net-worth insurance solutions that blend legacy and generosity.

Tax efficiency built in

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Charitable giving is about impact—but it’s also about intention. Without the right structure, taxes can erode both your wealth and the effectiveness of your giving.

At Sharma & Associates, we embed tax strategy into every recommendation. That means sequencing withdrawals from corporate and personal accounts, leveraging charitable tax credits, and ensuring the timing of your gifts maximizes their financial and emotional return.

You don’t need to be a tax expert—that’s what we’re here for. You bring the heart. We bring the numbers.

Family unity through shared generosity

Philanthropy can be more than a personal act—it can be a unifying force. Involving your children or grandchildren in your charitable giving introduces shared values and long-term purpose into your family story.

We help families use charitable giving as a way to connect generations, spark meaningful conversations, and reinforce a legacy that’s about more than just money. This isn’t just a tax strategy—it's a personal strategy.

One-time gifts are generous. A plan is powerful.

We see it often: one-time donations that are meaningful in the moment, but lack long-term structure. A thoughtful charitable giving plan allows you to set clear intentions, measure your impact, and adapt as life evolves. Whether you want to give more now or leave a lasting mark through your estate, we help you build a plan that is structured, sustainable, and aligned with your broader financial picture. With the right plan, your generosity doesn’t end with a single act—it becomes part of your life’s legacy.

We coordinate every moving piece

Don’t have time to coordinate your accountant, lawyer, and financial planner? You don’t have to. We act as your central hub—bridging the gaps between all your professionals to make sure nothing gets lost in translation.

You focus on the "why" of your giving. We’ll take care of the "how."