Raj holds the Diploma in Insurance with the Chartered Insurance Institute and the Certificate in Mortgage Advice and Practice, which covers residential and commercial mortgages, with the London Institute of Banking and Finance.
Raj has a wealth of experience in the Financial Services Industry, having worked as a Financial Adviser for Lloyds Banking Group for over 10 years. This service included 6 years when he worked as a Commercial Financial Planning Specialist. He has considerable experience of helping clients to build their personal wealth as well as providing advice to small businesses regarding all areas of finance, including pensions, employee benefit schemes, corporate investments, commercial finance and protection for the business owners.
Raj considers holistic financial planning to be a fundamentally important subject and one that requires discretion and a very personal approach. Every one of Raj’s clients has a unique set of individual circumstances, objectives and ambitions that can change over time. He believes that to help each client reach their future financial goals, it is essential to build long-term professional relationships with them.
Raj is passionate about golf, but since the birth of his Granddaughter three years ago, he now finds himself to be a very willing baby sitter during most of his leisure time.
Raj and his Wife bought a small house 5 years ago in the Algarve and they love to spend quality time together there whenever business and family commitments allow. Raj is also a keen supporter of a number of charities and in addition to making donations, he tries to devote as much time as possible to these worthy causes.