I got in touch with Melvin, last month, through recommendation from a well known Financial portal. He took all my requirements, very patiently. I asked several questions, some are very skeptic and challenging but Melvin is such a wonderful guy, has replied all my doubts, with patience and care. Within a week, he came up with a superb planner. Now I realize, I should have get in touch with Melvin, much earlier in my career, which should have saved me from making big mistakes. Anyway, never too late. I will Highly recommend Melvin, 1. For his vast knowledge on Financial Planning. 2. He has a pretty good knack, of understanding the pulse of the person. and plans it according to his ability to endure risks. 3. He always gives you a balanced picture on risk and return. 4. Fees is very nominal compare to other SEBI registered planners. 4. Most importantly, he is very nice and polite man to have a friend and guide. This is something very rare in now-a-days. Highly recommended to my friends and everyone. The early you start, the better you will be prepared for future.