Where business owners find clarity, strategy, and a true financial partner

Tax planning

Tax isn’t just paperwork—it’s one of your most powerful planning tools.

At Sharma & Associates, tax planning is woven into every decision we make. With a Chartered Professional Accountant on your file, we go beyond basic deductions and look at your entire structure—corporate and personal—to ensure every move is tax-efficient and forward-looking.

We review your tax returns in detail, align income withdrawals, optimize holding companies, and uncover strategic opportunities that most planners overlook. The result? Less tax paid, and more money working for you—year after year.

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Retirement planning

Turn your wealth into lasting freedom—with clarity and confidence.

Retirement isn’t just about reaching a number—it’s about knowing how and when to access your wealth in a way that supports your lifestyle, protects your legacy, and minimizes tax.

We create retirement plans that go beyond projections. We help you structure withdrawals, align income sources, and adjust your strategy as life and markets evolve. Whether you’re five years from retirement or already there, we make sure your money works as hard for you as you did to build it.

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Estate and legacy planning

It’s not just about documents—it’s about protecting what matters most.

True estate planning starts with intention. We help you align your wills, trusts, insurance, and ownership structures with your long-term financial goals—so your wealth passes on smoothly, strategically, and in line with your wishes.

From reducing probate fees and tax liabilities to ensuring liquidity for your heirs, we handle the complex details with care and precision. The result? A clear, confident legacy plan that protects your family and honors your values.

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Business succession planning

Exit on your terms—with structure, clarity, and confidence.

Selling or transitioning your business is one of the most significant financial decisions you'll face—and one of the most complex. Whether you're passing it to family, selling to a third party, or handing the reins to your management team, we help you build a succession plan that protects your legacy and maximizes value.

We review shareholder agreements, assess tax exposure, and optimize corporate structures to ensure a smooth transition—so you can exit with confidence and retain more of what you've earned.

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Charitable giving

Purposeful generosity with lasting impact.

Giving back should be as strategic as it is meaningful. We help you design charitable giving strategies—using donor-advised funds, gifts of securities, or planned legacy giving—that reflect your values while minimizing your tax burden. With the right approach, generosity can support both your community and your wealth plan.

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Insurance planning

More than protection—insurance is a key pillar of wealth preservation.

At Sharma & Associates, we treat insurance as a strategic tool—not just a safety net. We evaluate, structure, and integrate insurance solutions such as corporate-owned life, disability, and critical illness coverage to serve a larger purpose: reducing tax, creating liquidity, and safeguarding your family or business when it matters most.

Every policy is carefully reviewed and stress-tested against your broader financial plan—so it's not just coverage, it’s confidence.

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Cash management

Your financial foundation starts with effective cashflow planning.

Strong cash management is the backbone of a well-structured financial plan. We help clients design cash reserves, manage short-term liquidity, and align distributions from business or investment accounts with personal needs—so you stay flexible without losing control.

It’s not just about numbers or spreadsheets; it’s about ensuring your cash is working for you, while giving you the freedom to adapt to changing circumstances.

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Investment planning

Investments that work as hard as you do—and for the life you’ve built.

Your investments should do more than just grow—they should be strategically aligned with your personal and corporate goals. We build tax-efficient portfolios that balance risk and return with real purpose, ensuring every decision connects to your bigger financial picture.

Whether you’re planning for the future, preserving wealth, or funding specific goals, we structure your investments to reflect your values and priorities, making sure they serve both your lifestyle and your long-term ambitions.

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Wealth transfer

Pass on your wealth with clarity, structure, and minimal tax impact.

As a business owner, the IG Private Company Advisory team can help create wealth for you by ensuring that its services are tailored to your company’s specific needs and circumstances, enabling you to seize opportunities and create long-term value. Their expertise and dedication to understanding your business sets them apart.

Your legacy isn’t just preserved; it’s understood, respected, and positioned for future generations to carry forward with purpose and confidence.

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