I achieved a B.Sc. (Hons) in Physics and MBA in Finance in India. I have a wide range of experience throughout the financial services industry, including fund management, corporate broking, online dealing and as head of stock exchange market operations & surveillance departments in India. Since moving to the UK, I have worked as a mortgage & protection adviser, multi-tied financial adviser and then as an independent financial adviser for high net-worth clients with HSBC. I am a Chartered Financial Planner and Fellow of Personal Finance Society with over 34 years of comprehensive experience in all areas of financial services across India & the UK with a successful track record.

I am a highly motivated, very positive team person with high expectations, demonstrating my passion for optimising extremely satisfactory customer experience. I like to take care of all the minute details while working on a case through active research and engagement. Customer satisfaction is my main driving force. My strengths include looking for newer challenges and being successful.

My Unique Selling Propositions are:

• Customer orientation and keeping them at the heart of all my dealings
• Flexibility of time - I am available to meet with my clients/stake-holders when it suits them, including weekends and/or in the evenings
• My efficiency in responding - I take pride in my promptness and responsiveness
• My language skills - I can speak, understand and write Hindi/Urdu, Bengali/Sylheti and can speak and understand Punjabi
• My strengths include technical/analytical skills as well as mathematical skills

I develop and maintain long term business relationships with my clients, which result in getting referrals from them.

Outside of my professional life I am a family man with my wife, who teaches English in a Secondary School and our son who is a Junior Doctor working with NHS.

I am now in the panel of NHS Employer's list of Financial Advisers.