Dr. Yogesh Sharma BVSc. & AH, MBA (Finance), Advance Wealth Management, CAIIB, Certified Financial Planner and Certified Credit Professional. The author started his career as an officer in State Bank of India. He is a Certified Financial Planner with an experience of more than 14 years in the Banking sector, real estate and financial planning. His articles are a regular feature in popular Magazines and Journals. He has already written a book on Financial Planning. Presently he is a Chief Manager in Union Bank of India.