Uttam Kumar Sen - Certified Financial Planner (CFP) Advisor in Dhakuria, Kolkata

Uttam Kumar Sen - Certified Financial Planner (CFP) Distributors

Member since Jun 14, 2013

9007658230

9331032230

cfp.uttamsen@gmail.com

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About Me

Mltn.Uttam Kumar Sen has been experiencing acute practicalities related to personal finance from People’s University since last 33+ years and he wants to share them with you. He started his journey as a life insurance agent in 1986, that too by chance and not by choice. Although it’s a noble profession, he didn’t enjoy the profession by reason of Sales Target/Premium Target. He attended Agents Development Programme in Institute of Insurance & Financial Sciences Education, Research & Training, Pune in February, 1988. He successfully completed diploma course in Life Insurance Marketing in January, 1989 by submitting dissertation on Insurance. He also attended Advance Agents Development Programme in Institute of Insurance & Financial Sciences Education, Research & Training, Pune in January, 1992. In order to write his observations on “Retirement”, he attended Vanaprastha Seminar for 7 days in Chinmaya Mission, Kolkata in 1993 after taking special permission. He could realize the untold pain of retired people. He took up a challenging task of door to door survey where he voluntarily addressed the concerns of families related to their life insurance. He took the opportunity to spread awareness related to personal finance and axe the myths surrounding life insurance. While he witnessed settlement of death claims, he realized the consequences of under insurance. But during those times there were no concept of pure insurance. From the very beginning, he stressed upon low cost pure insurance, following the principle of “least for the most”. Awareness level was too low and he had been trying to “sell” insurance products as pure insurance only - neither as savings nor as investment. Although it was really an arduous job, it was highly valued by clients. At the outset, his focus has been to consider both financial and non financial aspects of his client’s life. He successfully completed MILT Sales Course in February, 1993, personally led by Mr. Aporesh Acharya. He took exemption from Life Insurance Corporation of India in 2010 while he was Chairman Club Member Agent, solely to work in a fiduciary capacity and provide unbiased solutions to clients’ unique issues. He follows need-based approach while dealing with clients. He started writing Financial Plans as an Associate Financial Planner back in 2010. Clients were satisfied to the fullest extent and paid fees happily. He qualified as CERTIFIED FINANCIAL PLANNERCM in 2011. CERTIFIED FINANCIAL PLANNERCM or CFPCM is an international certification program in the field of Financial Planning, Wealth Management and Financial Advisory services. It’s recognized in over 26 countries across the globe. Now, as an experienced CERTIFIED FINANCIAL PLANNERCM, he ensures to provide solution for any problems or queries with your existing insurance, investments, assets, debts etc. He conducts Financial Literacy Awareness Campaigns for the members of Housing Societies, Associations, Clubs, Companies and Educational Institutions which help them analyze the rewards and risks associated in order to make informed choices. His focal point is making people understand the need and importance of financial planning. He engages himself to understand the uniqueness of your personal financial concerns. A financial coach is unlike other financial professionals. He allocates more qualitative time by extending hands to his clients, makes them understand fundamentals of personal finance, by not recommending any insurance and investments products like agents and distributors, stock brokers or bank relationship managers. Clients feel comfortable in sharing their unique personal concerns as they know he’ll help them sail through. He believes that one has to maintain a good quality of life – “peace”, “health” and “money” are inseparable in one’s life. He was the proprietor at Money Map. He had been a visiting Faculty of CFPCM & CWM (Level 1) at ICICIdirect for Financial Learning (ICFL) since September 2013 till August 2016. He is a ProMember of NetworkFP. He has been authoring articles. Few of his articles got published in Dainik Bhaskar newspaper. Stories of quite a few of his clients featured in Mint newspaper under “My Plan” Section. Clients do ask him about his succession plan. He has been grooming his younger son, Arijit Sen to join in his profession as his successor. They feel relieved to see Arijit working alongside him since his college going days. Being a father, it gives him satisfaction seeing his clients equally comfortable in dealing with his son since January, 2014. He successfully completed 3 Days Residential Program by George D. Kinder on “Seven Stages of Money Maturity” in November, 2016. He also successfully completed workshop, “Tools for a Financial Transitionist- A Life Planning Workshop” in January, 2018. He believes in genuinely solving his clients’ concerns and getting benefitted by benefitting his clients. His unmatched passion in the field of personal finance is what makes him unique.

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I am a CERTIFIED FINANCIAL PLANNER^CM.

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