I can understand and speak quite a few languages, but when it comes to the language of finance or investments, I am as good as an illiterate person. So Mr. Vivek Mulay was a godsend for me. He not only gives sounds advise, but also answers my most dumb questions very patiently. His pleasant demeanor and smiling face makes one want to trust him. He is always accessible, approachable and most importantly, is very prompt in answering calls or messages. I wish him all the luck.