“Sham was very efficient and professional in providing me with advice regarding my income protection. He showed dedication & commitment throughout the whole process, taking his time to listen and answer to all my queries with transparency, in a client centred fashion. . Sham gave me all the information I needed and allowed me enough time to absorb and weigh the pros and cons of each of the options available; I am extremely happy with the advice received and would highly recommend Sham as a financial adviser”