Sharmarc Financial Advisors

Sharmarc likely operates as a hybrid practice, holding both investment advisory credentials and insurance producer licenses. This dual structure is common among independent Main Street advisory shops in the U.S., where the firm can charge advisory fees for managed accounts while also earning transaction-based compensation on insurance and securities products through a sponsoring broker-dealer.

The firm offers financial planning, asset allocation, retirement income strategies, and insurance solutions. Its licensing allows it to place insurance products such as life, disability, and long-term care alongside managed investment portfolios. The advisory menu typically includes mutual fund wrap programs, variable annuities, and IRA rollover management for individual and small-business clients.

No. Firms at this scale and structure generally do not sponsor proprietary funds. Instead, Sharmarc selects third-party asset managers, mutual funds, and insurance separate-account strategies to construct client portfolios. Its fiduciary function centers on allocation and monitoring rather than direct security selection or deal sourcing.

As a dual-licensed firm, Sharmarc likely uses a blended compensation model. Advisory clients pay an asset-based fee for managed accounts; insurance and securities transactions may generate upfront commissions, trails, or 12b-1 fees. The firm must disclose its specific forms of compensation in its Form ADV Part 2 or client agreement documents.

Sharmarc serves a retail-oriented client base including individuals, families, and possibly small businesses seeking retirement plans like SEP IRAs or SIMPLE IRAs. The practice's size suggests a concentrated local or regional client footprint rather than a national institutional allocation base.