Running a veterinary clinic isn’t just about caring for pets—it’s about managing people, finances, long hours, and real risk. Like any business owner, you’ve invested countless hours into building something that supports your family and your lifestyle. But creating true wealth isn’t just about profits or a full appointment book. It’s about making your money work for you—both in the business and beyond it.

At Sharma & Associates Private Wealth Management, we specialize in helping veterinarians and their families take control of their financial future. Whether you’re building your practice, considering incorporation, or planning to exit in the next few years, we help ensure the effort you’ve put in now translates into lasting financial security.

You don’t have to know everything about tax law or corporate structure—that’s our job. We bring a financial planner and a Chartered Professional Accountant together on every file to help you see the big picture and avoid costly mistakes. This integrated, in-house model means we review your full financial and tax situation side-by-side, giving you clear strategies and confident decisions.

Your clinic is only part of the equation—let’s talk about your bigger picture

For many veterinarians, their business is their largest asset—but it shouldn’t be the only one. We help you build wealth both inside and outside your clinic by creating a financial strategy that balances growth, lifestyle, and legacy.

Here’s how we help veterinarians:

  • 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

    Review your wills, powers of attorney (POAs), trust agreements, and shareholder agreements for long-term peace of mind.

We know the stakes—because we work like you do

As a veterinarian, you're busy, emotionally invested, and managing far more than most people realize. Your time is limited, your financial world is complex—and you deserve a partner who understands both.

At Sharma & Associates, we keep things simple and strategic. We don’t lead with products or pre-made solutions. Instead, we ask the right questions, listen carefully, and analyze your full financial picture before making any recommendations.

Many of our clients came to us feeling overwhelmed by tax complexities, underwhelmed by previous advisors, and uncertain about the next step. They stay because we bring clarity, structure, and a level of service that’s personal, responsive, and genuinely proactive.

And when it’s time to step back—whether you’re transitioning to a partner, selling your clinic, or winding down—we’re right there with you. We help ensure you get full value for your life’s work. That’s what true wealth preservation looks like.

Supporting veterinarians—and the people who matter most

At Sharma & Associates, we don’t just support veterinarians—we support their families too. Whether you're planning for your children's education, building a legacy, or ensuring long-term financial protection, we create strategies that reflect your personal priorities as much as your professional ones.

If you’re like most veterinarians, your focus is on your patients and your team. But behind every successful clinic is a family, a future, and a financial plan that needs care and attention. That’s where we come in.

Let’s build a financial plan that works for both your practice and your personal life—one that supports the lifestyle you’ve earned and safeguards the people you care about most.