Mitali Sharan
PARTNER
Who I Work With
What my clients share
isn't an industry. It's a
coordination problem.
A tradesperson with a growing crew and equipment to protect. A two-
income family stacking a mortgage, savings and investing goals alongside
a business on the side. A physician or executive whose income and tax
picture are anything but simple. Multiple income streams, corporate
structures, and a handful of professionals who each have a piece of the
puzzle, but no one connecting them.
Segment 01
Trades & construction business owners
Often earning well into six figures, sometimes alone and sometimes with a crew. Self-employed, sole proprietor, or incorporated. The business grew fast; the structure around it didn't.
Equipment is financed. Liability runs further than payroll ever shows. And the whole thing depends on one person being able to get up and work.
Key-person risk
Equipment financing
Incorporation
Buy-sell
Segment 02
Agriculture &
fishing operations
Incorporated, capital-heavy, and licence-dependent.In Nova Scotia especially, the licence is often the single most valuable asset the operation holds, and it rarely appears anywhere in the planning.
Disability coverage matters more here than almost
anywhere else, because the work is physical and the season doesn't wait. So does the question of what happens to the licence and the boat or the land when the operator stops.
Licence value
Disability
Succession
Capital assets
Segment 03
Incorporated healthcare professionals
Physicians, dentists and specialists earning inside a professional corporation, often unsure whether the structure is doing anything for them.
Practice income, retained earnings, and a holdco that was set up years ago and never revisited. You spent your twenties learning medicine, not corporate structure. Then somebody handed you a professional corporation and wished you luck.
Professional corp
Retained earnings
Holdco
Own-occupation DI
Segment 04
Professionals &
practice owners
Lawyers, executives and business owners juggling a T4, a corporation, and investments that were never built to talk to each other.
The same coordination problem as everyone else on this page, with a different tax picture and usually a shorter runway before a liquidity event makes it urgent.
T4 + corp
Income splitting
Executive benefits
Segment 05
Dual-income households
Two incomes, a mortgage, and a growing list of savings goals, often with a business on the side, and no one making sure the coverage, tax and investment pieces are actually working together.
Nothing here is broken, exactly. It's just that every decision was made on its own, years apart, by different people.
Mortgage protection
RESP
TFSA / RRSP
Side business
Sound Familiar?
The five things
people bring me first
01
No coordination between the corporation and the personal side. Two sets of decisions made in isolation, sometimes cancelling each
other out at tax time.
02
No plan for passing the business on, and often no will. The single biggest asset a family owns, with nothing written down about
where it goes.
03
Estate planning and generational transfer. Moving wealth to the next generation without handing a large share of it to the CRA on the way.
04
Tax planning that stops at the filing deadline. Salary versus dividends, where investments are held, and what the corporation does with retained earnings.
05
Protection that assumes you'll always be able to work. When the income depends on your skills, your hands, or your licence, that assumption is the biggest risk in the plan.
Mitali Sharan
PARTNER
Mitali Sharan, Partner at Solomon Financial Corporation. Independent insurance and financial strategy for business owners and high-earning professionals across Canada, based in Halifax, Nova Scotia.
Mitali Sharan, Partner at Solomon Financial Corporation. Independent insurance and financial strategy for business owners and high-earning professionals across Canada, based in Halifax, Nova Scotia.
Insurance products and services are provided through Solomon Financial Corp. Mitali Sharan is a licensed insurance advisor contracted with Solomon Financial Corp. Mitali Sharan is licensed to offer life insurance, living benefits, and life-insurer investment products (annuities and segregated funds) in Nova Scotia. Living benefits may include disability income protection, critical illness, and long term care insurance coverages. Life insurance includes term and permanent types of coverage.
Past results are not indicative of future performance.
© 2026 Mitali Sharan. All rights reserved.