Your investments aren’t just numbers—they’re working capital for the life you want to build. Retirement. Legacy. Flexibility. Security. Whatever your goal, your portfolio should reflect it, fuel it, and adapt as it evolves.
At Sharma & Associates Private Wealth Management, our role as your investment advisor is about more than picking funds or tracking market trends. We deliver investment planning that integrates every part of your financial strategy—so your returns don’t just grow, they move in the right direction.
Our investment planning process is built on clarity and coordination. We don’t lead with products, we take the time to fully understand your structure, objectives, and risk profile—then stress-tests the investment strategy across your personal and corporate realities. With both planning and tax expertise in-house, we ensure that each investment decision is optimized not just for growth, but for tax efficiency, liquidity, and long-term purpose.
What drives your investment strategy?
Why are you investing in the first place? Is it to retire early? Protect your family’s future? Create income that lasts through retirement? Your “why” matters—it’s the foundation of everything we do.
As your investment advisor, we begin with your purpose. Then we design a portfolio that reflects it. Every recommendation we make is built around:
- Your time horizon and lifestyle
- Your tolerance for risk and volatility
- Your tax situation and retirement income needs
- Your long-term legacy and estate planning goals
This isn’t portfolio management in a vacuum. It's a strategy tied to life.
A living plan, not a static portfolio
The market changes. So do your priorities. Your investment plan should reflect both. At Sharma & Associates, we regularly review and adjust your strategy to ensure it evolves with you—seizing opportunities and reducing risk as your life unfolds.
That could mean increasing liquidity when retirement nears, reducing volatility after a business sale, or pivoting toward legacy investments as estate planning comes into focus. Your plan isn’t locked in—it’s alive, and we’re here to keep it healthy.
Tax efficiency matters more than you think
The silent drain on most portfolios? Taxes. That’s why we structure investments to be tax-smart from the start. We consider:
- Which accounts to hold which assets (registered vs. non-registered)
- When and how to take withdrawals
- How dividends, capital gains, and interest income affect your tax bill
- Strategic timing of rebalancing and sales
This is investment planning that makes every dollar go further—so your wealth works harder without working against your tax strategy.
Turn wealth into sustainable income
Your portfolio doesn’t retire when you do. With the right strategy, it becomes your partner in generating reliable income throughout retirement. We use income-generating investments—dividend-paying equities, fixed income, REITs, and more—to create a cash flow that supports your lifestyle without depleting your capital.
It’s not about chasing yield. It’s about building a plan that supports peace of mind—so you can enjoy the retirement you’ve earned.
Beyond stocks and bonds
Traditional investments have their place—but they’re not the full picture. We bring access to diversified, alternative investment opportunities such as private equity, real estate, and hedge funds when appropriate. These can:
- Hedge against volatility
- Provide additional income streams
- Offer exposure to growth sectors unavailable in public markets
We assess your risk profile and long-term goals before integrating alternatives, ensuring every move strengthens your overall plan.
Sustainable investing with purpose
Your investments can reflect your values—without sacrificing performance. We offer ESG (environmental, social, governance) and impact investing strategies that align your portfolio with what matters most to you.
Want your capital working toward clean energy, equity, or fair labour practices? We’ll build a portfolio that supports both your principles and your financial future.
More than advice—real partnership
As your investment advisor, our job doesn’t stop at implementation. We’re your partner in navigating change. That means:
- Translating market movements into action—not panic
- Rebalancing when your goals shift
- Reviewing performance with purpose, not pressure
- Helping you stay disciplined when the world feels uncertain
You don’t need to guess. You don’t need to time the market. You need a plan—and a partner who helps you stick to it.
Investment planning that connects the dots
Too many investors view their portfolio in isolation. At Sharma & Associates, we see the bigger picture. We integrate your investment planning with:
- Retirement income strategy
- Estate planning
- Business succession
- Tax optimization
- Risk management and insurance
When all these pieces work together, your financial life becomes clearer—and your future, more secure.