Raj began his career with Waddell & Reed during the Global Financial Crisis of 2008. What a perfect timing! Over the years he has gained experience affiliating with firms like Hornor Townsend & Kent, Lincoln Financial Securities and now, Cambridge Investment Research. In the face of a rapidly changing and uncertain environment, one thing is clear – the financial plan acts as a guiding path towards our goals and the strategies used must be reliable and adjusted based on one’s unique circumstances. Afterall, the goal is not to chase money but use money as a means to achieve one’s life goals. 

“Plans are nothing; planning is everything.”

– President Dwight D. Eisenhower

Raj’s experience over the years along with achieving industry leading financial planning designations allow him to have an in-depth insight that his clients find helpful. Raj has dedicated his financial planning practice to guiding families and business owners to maximize their financial situation, take the guesswork out of investing and manage financial risks; by establishing a trusted relationship that will focus on helping them meet their competing financial objectives as well as protect those they care about most.

Raj was born and raised in Mumbai, India. He obtained his bachelor’s degree in India before moving to Providence, RI where he attended Johnson & Wales University and obtained his MBA in 2000. Since joining the financial planning industry Raj has obtained the following designations: Certified Financial Planner® (CFP), Chartered Financial Consultant® (ChFC), and Chartered Life Underwriter® (CLU). In addition to these designations Raj holds the following licenses: Series 7, Series 6, Series 63, Series 65 and Life, Accident and Health. Using his expertise in the financial industry, Raj has directly assisted both Tax & Accounting and Property & Casualty firms expand into providing financial services.

Raj and his wife, Elisha, reside in Virginia Beach, VA with their 2 children, Vikram & Amara. Together they enjoy spending time at the beach, sipping wine with friends, bike riding, hiking and travelling on new, exciting adventures.

PRODUCTS & SERVICES

Investments	Financial Planning	Insurance	Business/Employee/Group Benefits
529 College Funds	Financial Wellness	Life insurance	Group Health Insurance
Traditional & Roth IRAs	Retirement Planning	Long Term Care	Group Life Insurance
Portfolio Management	College Planning	Disability Insurance	Group Disability Insurance
Stocks and Bonds	Estate Planning	Commercial Property & Casualty Insurance	Corporate Retirement Plans:
401K & 403 B Rollovers	Tax Planning & Projections		·       401(k) & Roth 401(k)
Exchange Traded Funds (ETFs) and Mutual Funds	Special Needs Planning		·       403(b)
Annuities	Business Succession		·       SEP/SIMPLE IRA
Real Estate Programs	Planned Charitable Giving		·       Profit Sharing
Alternative Investments and 1031 Exchange			·       Pension Plans