There’s no pension waiting at the finish line—just the legacy you’ve built and a dozen questions about what’s next. When should I sell? What happens to my holding company? How do I generate income without triggering massive tax bills? At Sharma & Associates Private Wealth Management, we specialize in helping business owners navigate retirement with confidence. From succession planning to tax-efficient income strategies, we bring clarity to complexity—so you can focus on what’s next.
Whether you're exploring the best retirement plan for a small business or facing a pension division after divorce, our mission is to help you make informed decisions that protect and grow the wealth you’ve worked so hard to build. We work closely with business owners and their families to design dynamic, personalized retirement plans that evolve with your life and business—not the other way around.
Retirement isn’t one-size-fits-all. Your plan shouldn’t be either.
The art of the living plan
Retirement isn’t static. Your health changes, your dreams shift, and unexpected turns appear. That’s why we create what we call a living plan—a flexible, evolving strategy that adapts as life unfolds. Whether you’re looking to travel more, support your kids, or recalibrate after a major event like divorce, we make sure your wealth is working in step with your life.
Your plan might start with retirement in mind, but it’s built to bend and grow. If you face pension separation, pension sharing, or need guidance on widow pension
Full-picture financial integration
At Sharma & Associates, we’re not just tracking your RRSPs. We align every element—corporate assets, pensions, RRIFs, investments, and real estate—into one cohesive, tax-efficient strategy. Your business retirement plan shouldn’t live in isolation. We connect all the dots so that pension planning, income strategies, and succession align with your broader goals.
This is especially critical in small business retirement plans, where most of the value is tied up in retained earnings or shares. We help you unlock that value with minimal tax and maximum control, guiding you through everything from pension transfer to business sale proceeds.
Decumulation without anxiety
You’ve spent years saving—but now it’s time to spend. And that shift, known as decumulation, can be surprisingly difficult. We guide you through the transition from accumulation to income: which accounts to draw from first, how to minimize tax, how to keep the cash flowing while maintaining your long-term security.
We don’t just hand you a number—we walk the journey with you, showing how to draw down wisely so you can enjoy retirement without fear of running out.
Tax efficiency at the core
For high-net-worth retirees, tax isn’t an afterthought—it’s the single greatest threat to lasting wealth. That’s why our retirement strategies are anchored in proactive, precision-driven tax planning from the start.
Our in-house CPA works seamlessly with our financial planner to craft tax-efficient withdrawal strategies, leverage income splitting where it makes sense, and carefully time every financial move to reduce your tax burden—not just this year, but over decades. We also provide expert guidance through complex events like divorce pension sharing and pension splits, managing the intricate technical details and ensuring every tax consequence is anticipated and addressed.
It’s not just planning. It’s protecting your wealth with intention.
Succession, legacy, and life after the business
A good retirement plan doesn’t just protect your income—it preserves your legacy. Whether you’re handing the business to family, selling to a third party, or simply winding down operations, we help ensure you exit on your terms with the value you deserve. Once you’ve stepped away, the plan doesn’t stop. We continue to manage your wealth with a focus on cash flow, protection, and legacy planning. From trusts and estate plans to philanthropic giving, we make sure your story continues—on your terms.
Investments that keep working when you don’t
Retirement doesn’t mean your money stops growing. Your investments still play a role in beating inflation, generating income, and supporting future generations. Whether you lean conservative or still want to pursue growth, we adjust your portfolio accordingly—always grounded in your goals and risk tolerance.