At Sharma & Associates Private Wealth Management, we believe tax planning should be proactive—not a last-minute scramble at year-end. No missed deductions. No overlooked structures. Just forward-thinking strategies designed to grow and protect your wealth, year after year.
We specialize in tax planning for business owners, incorporated professionals, and high-net-worth families who expect more than surface-level advice. Whether you're managing multiple corporations, integrating personal and corporate assets, or preparing for retirement, our in-house CPA and financial planner collaborate directly on every file to uncover your most efficient path forward.
When tax planning is embedded into your broader financial strategy—not bolted on at the end—every move you make becomes an opportunity for clarity, control, and long-term gain.
Where business strategy meets tax efficiency
Business owners face complex tax decisions—with every move creating ripple effects across your personal and corporate finances. From holding companies and shareholder loans to the timing of salary versus dividends, the stakes are high, and the margin for error is small. At Sharma & Associates Private Wealth Management, we offer advanced tax strategies designed specifically for small business owners—delivering far more than a generalist accountant or advisor can offer. We help you:
- Structure or optimize holding companies, investment/property companies and management companies to retain earnings and reduce liability
- Leverage tax planning tools like income splitting, capital dividend accounts, and tax deferral strategies
- Time salary, dividends, and bonuses for maximum after-tax benefit
- Use corporate-owned life insurance to reduce tax and create estate liquidity
- Prepare for business succession or sale with minimal tax leakage
Whether you're focused on saving taxes today or setting up for a smooth exit tomorrow, we ensure every decision you make now supports your long-term financial goals.
High-net-worth tax planning with rigour and precision
When your wealth grows, so do the risks of paying more tax than necessary. Our approach to high-net-worth tax planning is built around strategy, not products.
We review your full picture—corporate structures, investments, income sources, trusts, and estates—then design a plan that minimizes tax across all fronts.
We help high-net-worth clients:
- Align investment portfolios for tax-efficient growth and income
- Strategically withdraw from registered accounts to avoid surprise tax bills
- Time capital gains to stay within optimal brackets
- Build and manage family trusts to split income or prepare for generational wealth transfer
- Incorporate philanthropic giving or insurance strategies to reduce estate tax exposure
- Whether you're already working with an accountant or not, we act as your second set of eyes—spotting missed opportunities and tying loose ends together for stronger outcomes.
More than calculations—this is a full-picture partnership
We don’t treat tax planning like a spreadsheet exercise. It’s a relationship. Every strategy begins with understanding your goals, your family, and your future. Life changes fast—and we stay one step ahead, adjusting your plan as the tax code, your income, or your business evolves.
New business venture? We’ll structure it right from the beginning. Planning for retirement? We’ll guide your decumulation strategy so you draw from the right accounts at the right time—without triggering unnecessary tax. Divorce, pension splits, or widowhood? We’re here to help you navigate even the most personal tax challenges, including pension separation, pension sharing, or tax-efficient spousal transitions.
Smart tax strategies that grow with your business
Every year, we meet successful business owners who are paying more tax than they need to—not because of accounting errors, but because no one is looking at the full picture. That’s where we come in.
Our tax planning strategies are built to scale with your business. Whether you're a sole proprietor, an incorporated consultant, or managing multiple operating companies, we meet you where you are—and design a tax-efficient strategy that evolves with you.
We also guide clients through the maze of small business retirement plans—RRSPs, IPPs, RCAs, and more—helping you choose the right tools to reduce tax today and secure income for tomorrow.
Tax laws change—so do we
Tax rules, rates, and brackets are always shifting. At Sharma & Associates, we keep you ahead of the curve with regular updates, proactive strategy adjustments, and built-in flexibility. You won’t just react to tax changes—you’ll outsmart them.
Our tax planning is precise, strategic, and personal. We don’t push one-size-fits-all solutions. We focus on helping you keep more of what you’ve earned, year after year.
Take control of your tax story
Taxes are a constant in your financial life—but they don’t have to be a burden. Whether you're seeking strategic corporate tax planning, expert small business tax advice, or ways to reduce your tax liability, Sharma & Associates Private Wealth Management is here to help.
With clarity, care, and long-term strategy, we’ll guide you toward smarter decisions that keep more of your wealth where it belongs—in your hands.
