Hans R. Sharma, MBA, CFP

Sharma Associates, Inc.

President and CEO

I am a Caring, Trustworthy, Independent Fiduciary (always put clients best interest first all the time). I am also a Certified Financial Planning Professional (CFP), Registered Investment Advisor (RIA), and an Institutional broker providing high quality financial life and retirement planning services on a fee basis, without any conflict of interest.

The custodian of my clients financial assets is Charles Schwab (a discount broker) and I am also a Notary Public in PA.

Form ADV (Financial Advisor Disclosure Form) is available at request from my office and also available at www.finra.org

Why I do, What I do?

I I believe in a better way to manage investments.

It is the time in the market that matters/works.

It is important to stay invested and ride out the bumps along the way. Frequent trading (buying and selling) does not work. I consider my job to

help my clients enjoy their wealth and live a rich and healthy life rather than worrying about it.

There is NO “The Wizard of Oz'' It does not exist anywhere.

No one has a crystal ball.

Everyone has a big picture in her/his mind.

My job is to assist you to invest in yours.

I started Sharma Associates, Inc. in 1997 to help individual, family and small business owner to manage their financial future. Create and manage investment portfolios utilizing Exchange Traded Funds (ETFs) on fee basis, based on clients risk tolerance and time horizon (age).

Specialize in Retirement Income Planning. Guarantee of income is very important for the peace of mind particularly during retirement. Simplify Complex Financial Planning Concepts for clients to understand with rules of thumb. Also a Rotarian of CPW Rotary Club and a Notary Public in State of Pennsylvania. MBA in Finance and Marketing from University of Scranton, PA (1984).

Sharma Associates, Inc. Is a Registered Investment Advisory Company.

Hans R Sharma, MBA, CFP, a Certified Financial Planner and an Independent Registered Investment Adviser, provides comprehensive financial planning services with out any conflict of interest.

Simplify Complex Financial concepts - Easy to understand with

Rules of Thumb

The 50/30/20 Rule for Budgeting:

50% of your earning need to go towards NEEDS

30% of your earning need to cover your WANTS

20% of your earning set aside for Investing/saving and debt payment.

The Three-Bucket Rule for Budgeting:

NOW Bucket: Covering living expenses and emergencies.

SOON Bucket: Covers saving/investments with limited time horizon, <10 years.

LATER Bucket: Set aside for later years - Retirement and Long Term Health Care.

Retirement Income Planning Buckets: LIQUIDITY - LONGEVITY - LEGACY

Do not Rent A lifestyle: Sudden wealth at young age.

Managing wealth is not all that easy. Making money is not all that difficult but managing and holding on to it is. Be careful and seek help.

Hans specializes in retirement income planning for certainty of income during retirement. Certainty of income during retirement is very important for the peace of mind.

Retirement is no longer a destination, it is a journey, a transition, an opportunity to live life your own way, the way you want. Following two websites provide compelling information to highlight this point.

www.RevolutionizeRetirement.com

www.AceYourRetirement.org

Hans creates customized investment portfolios, based on risk tolerance, time horizon of his clients to meet financials goals, utilizing Exchange Traded Funds (ETFs).

ETFs are an intriguing alternative to garden-variety mutual funds. They offer comparably lower costs, higher tax efficiency, better transparency and intra-day liquidity, instant diversification, trading flexibility, access to hard-to-reach markets, and administrative ease to name a few advantages.

The custodian for all portfolios is a discount broker, Charles Schwab, as Hans Sharma is an institutional broker with Schwab. Client has direct access to the portfolio and can view any time.

Sound financial decisions need to be based on client’s time horizon (age) and risk tolerance and not on emotions. I offer my clients the opportunity for the best chance for Financial Success.

My primary focus and concern is preventing my clients from making bad mistakes during times of fear and greed.

Being independent, my services are always in the best interest of my clients without any conflict of interest.

In most areas of life, emotion serves an important role and should be given careful consideration. Emotion help us empathize with our loved ones, moves us to do good in the world and can lead to some of the life’s richest moments. But emotions should be removed from the investment decision making process.

In the world of investing:

The investing world defies many common laws of every day living or life, which is why most of us are psychologically ill-equipped to invest in risk (Stocks and Bonds) assets.

Future is more certain than present, which just opposite to our every day living.
Doing less always wins over doing more, just opposite to our every day living. “In investing never underestimate the power of doing nothing”
Seeking simple solutions for complex problem of investing always works.
Good behavior (discipline) is the best predictor of investment return. Willingness to seek help is the best predictor of good behavior. Investing requires bit of head, but far more of heart and stomach.
In order to prosper and survive, we must invest in risk assets (Stocks and Bonds). But psychologically we are ill-equipped to invest in risk assets. This is a sad paradox of investing.

Year 2017 - 2018: Noble prize in economics was awarded to Professor Richard Thaler of University of Chicago. His finding is that people make poor economic choices and do not always act in their own self-interest. According to him, people often make decisions that run counter to their best interest and such actions carry far-reaching economic consequences. Basic reason is that most of us are busy, sometimes absent minded and lazy. He further emphasized that policy makers and advisers must recognize this human irrationality.

Are you completely happy and comfortable with the financial advice you have been getting?
Can you see the wisdom of at least seeking a second opinion?
Would you like to consult with me, understanding that there is no cost or obligation to you?

For additional information or have any questions, please contact me.

About Me:

Professional Life: Experience over 25 years

Education: MBA Finance and Marketing 1984 University of Scranton, PA

Certification: Certified Financial Planner (CFP), Registered Investment Advisor (RIA)

Professional Licenses: General Securities License Series 7, General Securities Principal License Series 24, Life and Health Insurance License

Check the background of this investment professional on FINRA's Brokercheck

Being member of Financial Planning Association (FPA) and Certified Financial Planning (CFP) professional, I strictly adhere to FPA Standard of Core Principles and CFP Board’s Code of Ethics:

FPA Standard of Core Principles:

Principle 1: Put client’s best interest first

Principle 2: Act with due care and in utmost good faith

Principle 3: Do not mislead clients

Principle 4: Provide full and fair disclosure of all material facts

Principle 5: Disclose and fairly manage all material conflict of interest

CFP Board’s Code of Ethics:

1. Integrity 2. Objectivity 3. Competence 4. Fairness
5. Confidentiality 6. Professionalism 7. Diligence

Investment advisory services offered through Sharma Associates, Inc. Securities offered through Innovation Partners LLC. Member FINRA, SIPC 5950 Fairview Road, Suite 140, Charlotte, NC 28210 Phone: 704-708-5461

Sharma Associates, Inc. and Innovation Partners LLC. are not affiliated.

http://www.finra.org

https://www.sipc.org

Hans R. Sharma, MBA, CFP is licensed in: General Securities license Series 7. General Securities Principal license Series 24 in the following states in USA: California, Colorado, Delaware, Florida, Indiana, Maryland, North Dakota, New Jersey, New York, Pennsylvania, Rhode Island, South Carolina, Texas, Virginia and Washington.

Our Website is to be used as a general information source, and not intended to provide any financial planning advice in any specific matter. This is also not intended as promotion to people where we are not registered

On Personal Note: I came to the United States in 1982 from a remote village in the foothills of the Himalayan Mountain region in India. I work full time as a business owner while also supporting a not-for-profit English language high school in the remote village in the foot hills of Himalayan mountain region in India, where I was born and raise. I created Himalayan Hope Charitable Foundation to provide high quality education especially to girls.

Please take a few minutes to visit the website: www.TheHimalayanHope.Org and School website: www.GayatriPublicSchool.org

As we all know talent and intelligence is equally distributed but opportunity is not. Gayatri Public School provides an equal opportunity for a quality education to all in this remote village. Young mind is a terrible thing to waste and a wonderful thing to invest in. If you like what you see, then please share and support. Copyright © 2018 Sharma Associates, Inc - All Rights Reserved.