Incorporation opens the door to income control, advanced tax planning, and the ability to retain and grow wealth within your corporation. But with greater opportunity comes added complexity—and without the right structure, incorporation can quickly become overwhelming.

That’s where we come in. We specialize in helping incorporated professionals move beyond simple tax deferral and into true long-term wealth building. Whether you’re optimizing retained earnings, managing corporate investments, or planning your exit strategy, we help bring clarity and coordination to every aspect of your financial life.

At Sharma & Associates, each client benefits from our in-house team of a CERTIFIED FINANCIAL PLANNER® professional and Chartered Professional Accountant, working together on the same file. That means your plan is not only personalized—but also tax-smart, technically sound, and designed with your future in mind.

Make incorporation work harder for you

Incorporated professionals often face unique financial goals—and a common challenge: too much income trapped inside the corporation, too many one-size-fits-all strategies, and not enough personalized planning. That’s where we come in.

At Sharma & Associates, we specialize in transforming incorporation from a challenge into an opportunity—helping you unlock the full potential of your business and personal finances with tailored, strategic solutions.

We help incorporated professionals:

  • Build flexible structures

    Build and manage holding companies and family trusts to optimize tax efficiency and provide greater income flexibility.

  • Use insurance strategically

    Utilize corporate-owned life insurance for estate planning, tax reduction, or to facilitate future exit strategies.

  • Grow long-term wealth

    Create investment portfolios inside or outside your corporation to generate long-term personal income.

  • Plan tax-smart withdrawals

    Develop succession, retirement, and withdrawal strategies that allow you to move funds out of your corporation with minimal tax impact.

  • Ensure a smooth transition

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

  • Keep documents up to date

    Review your legal, tax, and financial documents—including wills, POAs, trusts, and shareholder agreements—to ensure nothing gets overlooked.

Why incorporated professionals choose Sharma & Associates

We understand the unique pressures and priorities that come with incorporation. As an incorporated professional, you want to protect your family, grow your wealth, reduce taxes, and ensure everything is in order—without getting bogged down by jargon or being pushed toward off-the-shelf products.

Our approach is different. We don’t offer recommendations until we’ve thoroughly reviewed every aspect of your financial picture. We stress-test ideas behind the scenes, ensure every strategy aligns with your goals, and explain everything in clear, straightforward terms. Our process isn’t complete until your plan makes sense to you—and works in real life, not just on paper.

Incorporated professionals value our structure, discipline, and depth of expertise. With our CPA-level oversight, we catch the details others might miss—and build smarter, more effective strategies around them.