Physicians, Dentists & Other Medical Professionals
Explore income protection, professional incorporation, retirement and estate considerations.
Learn more →Independent Thinking · Coordinated ExpertiseProtect Your Wealth.
Protect Your Wealth.
Plan Your Future.
Build Your Legacy.
Financial education and introductions to qualified wealth management and other professionals for physicians, dentists, business owners and incorporated professionals.
Who We Help
Financial strategies tailored to your professional life
Every profession and business is different. Navigate complex decisions with strategies that reflect your goals, circumstances and responsibilities.
Business Owners & Entrepreneurs
Protect your business, consider succession and prepare for long-term financial security.
Learn more →Incorporated Professionals
Coordinate corporate and personal financial priorities with specialized expertise.
Learn more →Our Services
Specialized solutions for complex financial needs
Insurance & Risk Management
Explore protection needs and connect with appropriately licensed insurance professionals.
Learn more →Corporate Financial Strategies
Educational guidance on corporate planning questions and introductions to qualified specialists.
Learn more →Financial Planning & Wealth Management Coordination
Explore wealth management goals and introductions to appropriately registered investment professionals.
Learn more →Retirement & Pension Strategies
Explore ways to prepare for retirement and evaluate the relevant trade-offs.
Learn more →Estate & Succession Planning
Estate liquidity, wealth transfer and business continuity considerations.
Learn more →Group Benefits
Learn about employee benefits and connect with qualified providers.
Learn more →Our Approach
One coordinated strategy. Multiple areas of expertise.
Understand your priorities, evaluate options and collaborate with qualified professionals where specialized advice is needed.
Explore Our ApproachUnderstand
Your goals and financial circumstances.
Evaluate
Opportunities, protection needs and trade-offs.
Coordinate
Appropriate professional expertise.
Review
Revisit strategies as circumstances evolve.
About Karma Financial
Meet Viren Parmar, CFA, MBA
Founder, Karma Financial | Financial Education & Professional Referrals
Financial education and connections to qualified professionals for complex decisions.
With more than a decade of experience across financial planning, investment strategy and risk management, Viren helps physicians, dentists, business owners and incorporated professionals consider their protection needs and long-term priorities.
Karma Financial emphasizes financial education and introductions to appropriately qualified wealth management, insurance, tax and legal specialists.
Learn More About Viren Connect on LinkedIn ↗Insights
Ideas worth exploring before the next big decision
Should Physicians Own Life Insurance Personally or Through a Corporation?
Key considerations include taxation, ownership, beneficiary planning and professional advice.
Learn more →Retirement Planning for Incorporated Professionals
Understand the role of corporate assets, registered savings and insurance-based strategies.
Learn more →Estate Planning for Business Owners
Five questions worth asking about liquidity, succession and family priorities.
Learn more →Let’s discuss your financial priorities.
Start with a conversation about your goals, circumstances and the expertise you may need.