The Sharma Group

Building Collaborative, Long-Term Client Relationships

Investment Philosophy and Methodology
We are ardent practitioners of a disciplined global asset allocation approach encompassing several asset classes to create a portfolio that is designed to help meet a specific set of outcomes such as a client's financial independence, income, retirement, philanthropy and other uniquely personal goals. Our approach has two components: a strategic asset allocation designed for the long term and a tactical overlay focused on taking advantage of the short term inefficiencies of the market. We are constantly studying markets to identify profitable and durable long term themes and sectors that may align with clients' risk tolerance, liquidity needs, time horizon and long and short-term goals.

We believe investment vehicles such as exchange traded funds, mutual funds, hedge funds and SMA's (separately managed accounts) are only a means to an end. To help pursue clients' specific goals, we carefully design portfolios using a variety of investment vehicles using our open-architecture model – a platform that provides us access to some of the industry's best investment managers. In addition, using BofA Global Research's proprietary, award-winning research*, we may suggest to clients that they add additional sleeves to a portfolio for equity and fixed income management.

Another cornerstone of our philosophy involves using tax minimization strategies, which we focus on all year round as opposed to a reactive, last minute approach. Our portfolio objective is to help manage volatility and downside risk while maintaining a steady focus on long term wealth accumulation. We employ portfolio rebalancing on a periodic basis to see that portfolios are properly aligned for risk and return.

One of the attributes of our team's intellectual capital is our strong and nuanced understanding of global economics and wealth creation. This perspective helps us work with you to design investment portfolios that fully take advantage of the many opportunities that the global markets have to offer.

Assistance With the Many Dimensions of Family Wealth
A number of client relationships span several generations. The Sharma Group can help clients craft family mission and value statements incorporating their financial, social, philanthropic and intellectual goals and resources. We can also organize family investment meetings, bringing everyone together for advice and guidance about important legacy issues. To assist members of the younger generation in making informed, well-thought-out decisions, our team has a financial advisor dedicated to working with them and providing ongoing education regarding budgeting, wealth management and investing.

The Personalized Attention You Expect and DeserveOur team works with a select number of clients by design so that we can provide high-touch, concierge-level service and devote significant time and resources to every relationship.

Private Wealth Management Professionals
Our private wealth managers and Senior Financial Advisors provide clients with a direct line to all the resources and capabilities of a truly global investment firm—in ways that are more in keeping with a small, very exclusive boutique-like atmosphere. Concierge services, family meetings, and private seminars and events are all part of the experience.

*Some or all alternative investment programs may not be in the best interest of certain investors. No assurance can be given that any alternative investment's investment objectives will be achieved.

BofA Global Research was named one of the Top Global Research Firms in 2024 by Extel, formerly Institutional Investor Research
Extel, formerly Institutional Investor Research, announced BofA Global Research as one of the Top Global Research Firms in 2024 based on surveys held throughout the year. Extel creates rankings of the top research analysts in a wide variety of specializations, drawn from the choices of portfolio managers and other investment professionals. The 2024 Global Research Leaders ranking lists sell-side research providers by the combined total number of positions earned across Extel's 2024 research team surveys. Results of each survey are published separately throughout the year, beginning in March 2024 with the Japan Research Team and concluding in December 2024 with the Global Fixed Income Research Team. Rankings for each poll are determined strictly by using numerical scores. Extel takes the number of votes awarded to each firm in a sector and weight it in relation to the size of the institution responding and rating it awarded. Firms are designated runners-up when their scores fall within 35 percent of the third-place scores. BofA Global Research is research produced by BofA Securities, Inc ("BofAS") and/or one or more of its affiliates. BofAS is a registered broker-dealer, Member SIPC, and wholly owned subsidiary of Bank of America Corporation. Rankings and recognition from Extel are no guarantee of future investment success and do not ensure that a current or prospective client will experience a higher level of performance results and such rankings should not be construed as an endorsement.

Looking at your wealth from every angle

Navigating complex wealth requires more than making investing decisions. It takes a trusted confidante who can help you step back and see the big picture. Your Merrill Private Wealth advisor is that steadfast guide — advocating for you, your family, and the people and causes you care about. Working together, we can help with strategies designed to grow, sustain and transfer your wealth to amplify the impact at every step of life's journey with insight, simplicity, perspective and solutions. Find out what it's like to work with us.