As a dentist, you wear many hats: clinician, employer, business owner, and investor. You've spent years perfecting your skills and growing a practice that supports your lifestyle. But higher income doesn’t always translate to financial freedom. Without a clear, coordinated plan, too much of what you've earned can be lost to taxes, poor structure, or missed opportunities.

That’s where we come in. We specialize in advanced financial planning for dentists across Ontario—from general practitioners to orthodontists, periodontists, and other specialists. Our goal is simple: help you build, protect, and eventually transition the wealth you’ve worked so hard to create—with clarity and confidence.

Every client benefits from our unique and integrated model: a dedicated financial planner and Chartered Professional Accountant working in sync on your plan. This in-house collaboration ensures your strategy is cohesive, tax-efficient, and technically sound from day one. It’s not based on referrals—it’s built around you.

Financial planning for dentists and their families

Your family’s future is just as important as your clinic’s success. That’s why we create financial plans that go beyond the business—addressing household cash flow, legacy goals, and long-term protection. The result? A strategy that helps your wealth support everyone you love. Whether you’re incorporated, managing multiple locations, or preparing to sell your practice, real financial security requires more than strong profit-and-loss statements. It means building wealth both inside and outside your business—with the right structures, smart tax planning, and timely, personalized advice.

Here’s how we help dentists:

  • Optimize corporate income

    Create and manage investment holding companies to maximize retained earnings and defer taxes.

  • Protect your family and reduce tax burden

    Implement corporate-owned insurance to safeguard your loved ones, reduce taxes, or prepare for a tax-free exit.

  • Grow wealth

    Build an investment portfolio either inside your practice or through a separate investment company, so your money works for you—even when you're not actively working.

  • Plan for the future

    Develop a succession or retirement plan that lets you exit your practice on your terms, when the time comes.

  • Ensure a smooth transition

    Coordinate with your accountants and lawyers to ensure your succession plan is executed exactly as intended—both on paper and in practice—so that you can fully benefit from the Lifetime Capital Gains Exemption.

  • Secure your legacy

    Coordinate your wills, powers of attorney (POAs), trust agreements, and shareholder agreements for lasting peace of mind.

Financial advice for dentists who want more than the basics

Many dentists come to us after working with advisors who offer generic plans or product-driven advice. That’s not how we operate.

At Sharma & Associates, we begin with deep listening and a comprehensive review of your entire financial and tax picture. Behind the scenes, we rigorously stress-test every strategy—because we don’t believe in quick fixes or one-size-fits-all solutions. We make recommendations only when we know they’re right for you.

You’ll never be left chasing answers. Our clients value us for being responsive, reliable, and fully invested in their long-term success. We deliver financial advice that goes deeper—uncovering missed opportunities and guiding you toward a smarter, more secure financial future.