Sharma Everyday Finance
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Sharma Everyday Finance provides hourly financial planning, investment consulting, and portfolio management services for individuals and families, including early- and mid-career professionals and retirees. The firm states it works with both non‑high‑net‑worth and high‑net‑worth individual clients and does not impose account size minimums.
The firm’s investment approach is grounded in Modern Portfolio Theory and emphasizes low‑cost, diversified allocations, cash‑flow analysis, tax‑aware planning, and evidence‑based tools such as scenario modeling and Monte Carlo simulations. When acting as an investment manager, the firm executes trades under client‑granted limited trading authority while clients retain custody of assets, and all advisory work is billed on an hourly basis with fees structured by household income and savings.
Distinctive features relative to peers include a formal offering of financial education and group workshops alongside one‑on‑one planning, and a uniform hourly billing model that covers planning, education, and portfolio management rather than asset‑based or commission compensation. The firm does not advise private funds, does not accept commissions or performance fees, and launched in 2026 as a sole proprietorship whose principal has significant experience in health‑care management and part‑time health‑care consulting.
Client services
Expertise
Demographic focus
Fee options
Hourly planning fees: $125/hr for households with income less than $125,000 and savings less than $200,000; $175/hr for income $125,000-$250,000 and savings $200,000-$500,000; $225/hr for income and savings greater than $250,000 and $500,000 respectively. Rates based on the higher of the two columns. Rates are negotiable.
Fee-only: Hourly fees based on household income and savings: $125, $175, or $225 per hour depending on client's financial situation; rates are negotiable.
Main office
Oakland CA
Advisors at this office
1
Most active in
California
Also doing business as
Sharma Everyday Finance · Sharma, Adam Christopher
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Not sure where to start?
We'll help you think it through—whether you ultimately need an advisor or not. Warmer helps you compare advisors clearly, so you can choose with confidence.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Advisors are independent and may not have reviewed or updated this information. Please review an advisor's Form ADV and do your own diligence before deciding whether to work with them.
Advisor matching and referrals are provided by FinanceHQ LLC ("FHQ"), a wholly-owned subsidiary of Warmer and an SEC-registered investment adviser. We may be compensated by participating advisors. You pay no fee to use our matching service, and advisor fees are not increased because of a referral. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
By using our service, you agree to the Warmer Terms of Service and FHQ Advisory Agreement, and acknowledge Warmer's Privacy Policy. Please review FHQ's ADV Part 2A and Form CRS. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. ("Warmer")