Sharma Associates, Inc.
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
The firm provides comprehensive financial life and retirement planning and portfolio management for individual clients, using exchange-traded funds and individual stocks to construct diversified portfolios. Advisory custody is held at Charles Schwab, and securities are offered through an affiliated broker‑dealer arrangement.
Its approach emphasizes long-term, diversified investing, tax-conscious use of ETFs, and maintaining discipline through market volatility rather than market timing; retirement income planning and solutions that can provide guaranteed lifetime income are a central focus. Client relationships are primarily non-discretionary, with the adviser making recommendations that clients approve before implementation.
Notably for a small, independent adviser, the firm maintains an affiliation with a broker‑dealer and the adviser is registered as a representative, while advisory services are offered through a separate registered investment adviser entity. The firm also acts in an insurance capacity around retirement‑income products and operates with a modest client base and assets under management, reflecting a solo‑practitioner scale.
Client services
Expertise
Main office
Conshohocken PA
Advisors at this office
1
Most active in
Pennsylvania
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
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