We’re a boutique financial planning firm serving physicians and business owners across Canada. Your goals are unique – our plans are, too. With decades of advisory experience and a rigorous five-pillar process, we help protect today and build tomorrow.
We start with deep discovery – your goals, family, practice structure, cash flow, and current tax position. We review existing policies and investments, then map constraints and timelines so every recommendation fits real life, not a template.
Using our five-pillar framework (cash flow, risk, tax, investments, estate), we build options with clear trade-offs. For incorporated physicians, we integrate holdcos, IPP/PPP considerations, and surplus-extraction paths. You get a written roadmap in plain language.
We coordinate with your accountant and lawyer, handle paperwork, and track an action checklist. Reviews happen at least annually – and whenever life changes – so coverage, portfolios, and drawdown tactics stay aligned with your goals.
Seema Sharma leads WEFCI with decades of experience in financial planning and leadership. As President of Wealth & Estate Financial Canada Inc., she provides tailored solutions for healthcare professionals, business owners, and families – specializing in wealth management, retirement readiness, and estate planning.
Before founding WEFCI, Seema held senior roles at major financial institutions, including RBC Insurance, where she developed her expertise in advisory services and client relations. She’s recognized for her thoughtful, client-first approach that blends technical insight with genuine care.
Beyond her professional work, Seema serves the community as Treasurer of the Canadian Rheumatology Association Foundation, Chair of Financial Literacy for Advocis, and member of the Estate Planning Council of Mississauga.
Helping create stability and prosperity for clients and colleagues, fostering an inclusive environment of opportunity, and serving local communities and beyond.