Came from India in 1989 with just $20 and not a word of English. Went into financial services industry at the age of 21 in 1994. Worked with national banks like SunTrust Bank, Pnc Bank, and Subsidiary of Citicorp. Now owns his own company, is a Auther, Speaker, and creator of a No Nonsense Retirement Academy. Is a retirement phase specialist. He has written 2 books 1. Sell Like Crazy 2. No Nonsense Retirement