Satvinder Singh Ghotra graduated in Science (B.Sc.), post graduated in Punjabi Literature (M.A.) and had computer education but my whole working life has been in the Financial Sector. Since 1993 I have been in the financial services industry. Since 2003 I have been working extensively in the Life Insurance industry by providing financial services to my clients.

I learned along the way that the best advisor is one who provides the financial solution in a simple and straight form so that the fourth grade student should understand it. And I am following this rule till date and you will find this, in this self help book. I have kept the information Simple and Sweet.

Whatever I have shared in this book, comes from my experience, study and whatever my top mentors have taught me including Dr. Sanjay Tolani.

I am hopeful that this book will help you to decide your financial path and make you feel good, satisfied and stress free.