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A Financial Advisor’s Success Story in Dubai

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Earning and Saving Smartly: A Financial Advisor’s Journey

Shalu Sharma, an Associate Vice President at Continental Group, shares her success story as a financial advisor in Dubai. Originally from Lucknow, India, Sharma moved to Dubai in 2003 and has been a key player in the financial services industry since then. Her current earnings range between Dh40,000 and Dh50,000 per month, entirely based on commission, fees, and bonuses.

Professional Growth and Financial Planning

Sharma’s journey began in bancassurance sales in India before moving to Dubai. She joined Continental Group in an operations role but later shifted to consultancy to gain more flexibility. Her meticulous planning and continuous skill upgrades have been instrumental in her career growth. She’s also a member of the Million Dollar Round Table, an exclusive forum for the world’s leading life insurance and financial services professionals.

Investments and Financial Goals

A single parent, Sharma has efficiently managed her finances, emphasizing savings and investment. She has been saving for her son’s education, who now studies abroad comfortably. Sharma also invests in long-term systematic investment plans and holds a diversified investment portfolio, balancing her risk appetite.

Property and Debt Management

Sharma owns properties in Goa and Bengaluru and land plots in India. She advocates for a balanced approach to property investment, citing liquidity and maintenance challenges. Importantly, she maintains a debt-free status, paying off her credit cards in full and on time.

Financial Independence and Future Goals

Sharma’s financial goals include her son’s education, an emergency fund, a financially independent fund, and inheritance planning. She actively works on these goals, aiming for financial freedom and security in the future.

The Essence of Financial Management

Sharma believes in the importance of clear financial goals and regular assessment of financial needs. Her approach to budgeting and investment is methodical, ensuring she saves and invests a significant portion of her earnings. Financial independence, for Sharma, means not having to work out of necessity but out of passion.


Shalu Sharma’s story is not just about financial success but also about the importance of financial literacy, planning, and the effective management of earnings. Her journey illustrates the value of strategic financial planning and investment for long-term security and independence.

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