Hans R. Sharma, MBA, CFP

Sharma Associates, Inc

President and CEO

An independent, Financial Adviser, Certified Financial Planner (CFP), Registered Investment Adviser (RIA), Specializes in Retirement Income Planning, Socially Responsible Investing, Rotarian and Notary Public. Simplify Complex Financial Concepts with rules of thumb approach.

Wealth and Financial Life Planning and Management Services Since 1997

Helps Individual and families to manage their Wealth, Financial Life Planning, utilizing Exchange Traded Funds (ETFs) without any conflict of interest. Retirement Income Planning for Certainty of Income During Retirement, that is very important for peace of mind.

Young Professional - Millennial - Gen Y

A new movement: FIRE - Financial Independence & Retire Early
Save more cut your expenses - If possible live on half of your income

Earn more doing extra work

Invest wisely in low cost index funds or ETFs

Retire early and live on your income from investments

You as a Young Professional Deserve Quality, Professional, Trusted Financial Advice.

Regardless of your Age, Income, Assets, my financial advice and services are dedicated to work in your best interest, without any conflict. customized financial advise, based on risk tolerance, time horizon and to meet your financials goals,

Focus on three important goals:

Fitness & Health Goals- Financial Goals (budgeting) - Educational & Inspirational

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: 704-708-5461Sharma 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

Young Professionals, as they first enter adulthood, even though they are college educated with good entry-level jobs, feel paralyzed by bills. They soon realize, they have a huge knowledge gap, when it comes to managing their finances and building wealth. Building wealth and all plans start with a budget. Without a budget it becomes easy to lose track of where income is going.

Do what the wealthy / high net worth people do - Be honest with yourself.

Financial Counseling for soon to be married or newly wed couples:

In any marriage, both come from different understanding and knowledge about money, based on their upbringing. It vital to understand each others money personalities to prevent any conflicts. Here are the four areas, where expert advice is helpful

1. Getting started on the right foot - Newly married or about to be

2. Money Personalities - Couples Financial Compatibility quiz

3. Seven Important steps - Must for money in marriage

4. To get a Pre-Nup or not to get Pre-Nup ?

For One-on-One Guidance for Financial Life Planning.
Please call me for an appointment. Fee structure is customized based on the services and time such as One time, quarterly, etc. For example $250 for one time comprehensive financial wealth evaluation / check up and advice or an alternative fee structure based on your needs. During the Initial meeting, you as young professional will have a opportunity to discuss and get information about any or all of the following financial life planning needs.

1. Risk Management - Life, Health, Auto, home owner’s insurance

2. Student loans - Credit Card debt - Mortgage and home equity loan

3. Saving and Investing - Dollar cost Averaging and compounding

4. Planning for Retirement - 401k plans: Portfolio based on your age, time horizon and risk tolerance

5. Retirement Planning Accounts: Traditional IRA, Roth IRA, Rollover IRA, Simple IRA, etc.

6. Estate Planning: Living Will, Power of Attorney, Medical Power of Attorney, etc

7. How money works in US - How business works in US

8. Income tax Planning - Managing finances when living together or planning to getting married.

Making Money is not that Hard, but Managing Money is.

I (Hans R Sharma) 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 (www.sharmah.com) 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.GayatriTrust.com Young mind is a terrible thing to waste.

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.