Sharma Associates, Inc.
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$10,380,282
Clients
30
20% high-net worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
30
TypicalAverage account size
$346,009
About
Sharma Associates provides comprehensive financial planning and portfolio management primarily for individual clients, with a stated focus on retirement planning and retirement income solutions. The firm offers fee-based investment management using ETFs, index strategies and selected equities, and custodial relationships are maintained with Charles Schwab.
The adviser describes a fiduciary, CFP-based planning process that tailors portfolios to clients’ risk tolerance and time horizon and emphasizes diversified, ETF-centered allocations and a long-term, stay-the-course approach. A substantial portion of client assets are managed on a non‑discretionary basis, meaning investment decisions are implemented only with client approval rather than under full discretionary authority.
Notably, the firm maintains an affiliation with a broker-dealer (Innovation Partners Partners, LLC) and the adviser is also registered as a broker-dealer representative and an insurance agent, allowing the firm to offer securities and insurance products in addition to advisory services; the brochure discloses that advisory services are provided through the RIA and are not affiliated with the broker-dealer. The firm operates at a small scale—managing roughly $10.38 million for about 30 clients—and the brochure also references roles such as institutional broker and notary public.
Client services
Portfolio management
Expertise
General retirement planning
Retirement income strategy
Main office location
Sharma Associates, Inc.
Conshohocken PA, United States
Number of offices
1
Most active in
Sharma Associates, Inc. has reported serving >5 clients in these states in the last 12 months.
Pennsylvania
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is 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.
Is not active or affiliated with:
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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.
Forms ADV
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