It is indeed a great pleasure to be working with Mr. Uttam Kumar Sen and his son Mr. Arijit Sen. They are not only my financial advisor but over the time have become one of our most trusted family friends. I met them somewhere around March 2017. Mr. Sen explained in very detail the benefits and need for a proper financial plan. They took great care to know my family background and make me and my parents understand the process of financial planning to make a realistic plan within a very short time. Since then I have been investing in monthly SIPs. Now I am not doing haphazard investments only for yearly tax saving but there is a clear thought process behind each and every investment. Mr. Uttam Sen always makes an effort to explain situations when market values fall and reassure me as an investor. Mr. Arijit Sen is extremely talented and dynamic and has a very good grasp over the subject. He has always been very helpful and proactive in all our discussions. I wish them all the very best in their new endeavour and wish them all the success and prosperity in the coming days…

Approximately 4 years back (2015), I had little idea about financial planning. I happened to come across Mr. Uttam Kumar Sen & attended some of his financial awareness camps. Later, judging his experience & loyalty in expression, I felt that I can rely upon him as my financial advisor. Since then, all my short term (monthly/yearly basis) & long term (a span of 20 years) planning was done by him. Mr Sen & now his son Arijit are executing these plans- as recently, Arijit has taken over the charge as a SEBI Registered Investment Adviser. For doing financial planning for me- a retired private employee- they have always emphasised that the motto of my planning should be, firstly Capital Protection, then arrangements of Regular Income & last but not the least, Capital Appreciation. It’s too early to comment, but I am happy with this module. Now, I’m more organised in all sorts of expenses. I’ve a clear idea of ‘do & donts’ about taking any probable financial steps. In a nutshell, my financial awareness has increased & I’m confident enough about my future life. I trust this ‘father & son team’ for giving me my peace of mind. I believe that, they are my well-wishers & will look after our (my wife & me) financial future in a sincere & judicious way.

It was another Saturday morning (off day for me) in March 2017 while recapitulating my 9 years of service life, a particular accident reported in newspaper made me rethink about future of my son, my parents, my wife!!! It was not that I haven’t bought any insurance policies, ULIPs before that! But it was becoming very tough to pay the premiums of all such 4/5 life insurance policies, 5/6 ULIP policies, EMI for home & personal loans after meeting my increased family expenditure. I had bought most of such policies through my friends circle thinking it will ultimately allow me to save my money as well as give me insurance + guaranteed return. But the news of the accident made me introspect whether all these are enough or not. Can my child have a good education if I unfortunately pass away? Will my family members be able to pay the EMI? Can they continue same life style? Gradually, even with a decent income, I have started feeling financially insecure. With all these in mind, I have come across financial planners in my hometown, Mr. Arijit Sen, SEBI Registered Investment Adviser and Mr. Uttam Kumar Sen, a Certified Financial Planner in Kolkata. With very short first interaction with Mr. Sen, I started to feel strongly about “goals in personal life” rather concentrating only on “office project goals”. I started prioritizing my life’s goals, dream for car, son’s education, post-retirement life, international vacation. Previously, it was only on paper, in brief. But my income & expenditure eventually threw me out of my track! It has been a true journey with Mr. Uttam Kr. Sen along with Mr. Arijit Sen who has accepted my request to make a detailed plan towards my financial freedom and to achieve my financial goals on time. Rich experience, true guidance& detailed action plans of Mr. Sen helped me to close my personal loan as well as prepaying home loan. This has helped me to see the future expenditure, to start investing to achieve my goals, to buy term insurance for the right coverage with future time frame, to rationalize income-expenditure, etc. Elaborate financial plan, post planning reminders, periodic review of actions, future investment strategy makes me believe that I can achieve my goals. It truly reminds that saving randomly is not enough if it is fails to fulfil future goals. Within such short span of time, I feel more confident in financial life and more prepared for life. For all these I am really thankful to Mr. Uttam Kr. Sen & Mr. Arijit Sen.

I took some time off during this weekend to look at my portfolio that is being manged by Mr. Uttam Kumar Sen since last 10 years and thereafter by Arijit Sen. These 10 years have been very eventful in my life in different ways – My father suffered from a massive heart attack in 2009 and had undergone prolonged treatments for two years till he passed away in 2011 after living happily for 80 years My mother became dependent on me since 2011 and as a son I have been taking care of all her needs and medications including a major surgery in Jan 2019. My son, Rishav, passed his 10th and 12th grades and then completed his B.Tech in 2017. He started his M.Tech in 2018 at Denmark Technical University We bought our flat in Mumbai in May 2019 I moved out of India with my wife for better professional opportunity in 2014 and returned in Feb 2019 During these last ten years I had simply followed Uttam’s advice (must say without very less debate and argument with him) which had helped me to sail through these eventful 10 years. FY 2018-19 had been one of the most volatile years with major market fluctuations in terms of investments. FY 2019-20 continues to be turbulent as I write this email. However, when I looked at my portfolio today, I felt reasonably happy with decent returns that I have received even in unfavorable market situations. I am sure Arijit will take Merry Mind to greater heights as you have got a good foundation created by your father, Mr. Uttam Kumar Sen. It’s needless to say that you have to continue to handle my portfolio for next 25 years, if not more. Thank you for your support. All my best wishes and regards to you all.

I would like to express my cordial gratitude to my financial advisors Mr. Uttam Kumar Sen and his son Arijit for standing by me for last 4 years. Thanks for helping me to come out from financial crisis and for providing me consistent support to achieve a better peaceful life through your financial planning and efficient wealth management process. Starting from hand holding phase to till date, they have always been focusing on the bigger picture of life… grooming sessions are also very effective for a person like me who was not much exposed to financial markets and asset managements… processes are structured, methodical and logically correlated. Risk profiling and Goal settings have been done very precisely. Considering those pointers they have established an investment plan on a solid base of analytical data points. And at the same time it also perfectly suits my current financial bandwidth. They monitor, review my portfolio frequently and proactively. Considering market situations they advise me to take the right steps which would be beneficial for me. Financial advisor of your wealth and fortune should be one whom you can trust upon, honest, have a strong educational background, enriched with client handling experience, attentive, interactive, approachable and always reachable and maintains utmost transparency. And I’m really fortunate that I got someone like Mr. Sen and Arijit who have all these qualities and the best part is we have never shared any client partner relationship. Finally a satisfied soul.

I first met Mr. Uttam Kumar Sen way back in 2012. I had just married and had no idea of saving and financial planning. The only thing I knew about long term planning was owning Life Insurance policies. After I met Mr. Sen, I started saving and investing with Rs. 5000 per month. He has been of immense help and guide all through since last 7 years. Wishing all the best to Arijit on his new endeavour. Keep the legacy going and keep the personal touch always that your father has been doing with clients. Thanks for planning my investments properly.

Nowadays financial planning is very much essential in our lives. It helps to set an appropriate goal in our lives. Last few years in financial market, different types of investments are playing vital role for the investment benefits in future. Now investors require a proper guideline for investment. In this regard, I am very lucky that I am getting proper investment guidance from Mr. Uttam Kumar Sen & his son, Mr. Arijit Sen. Both of them are continuously guiding me to achieve my future financial goals. Thanks both of them for their support & guidance to fulfill my dreams with proper financial planning.

It was early 2017. It was cold in Sweden and I was an unhappy employee of a big MNC. I was thinking and searching on financial independence as I was thinking to start my own venture. Then I found an article inn Mr Uttam Kumar Sen’s blog on financial literacy; I was moved. While coming to Kolkata, during a vacation, I contacted Mr Uttam Kumar Sen and asked him a question, “Can I leave a stable and well-paid job and start on my own ?” He smiled and asked me to tell him about my current status and what exactly I am thinking for my future. He spent 7-8 hrs a day to listen to my stories and even my spouse was a part of those discussions. After a number of sessions, he assessed my assets and liabilities, presented my financial plan. He even prepared a bare bone financial plan and lot of other artifacts. He, as an adviser, never asked me to follow a suggested path, rather encouraged me to take an informed decision by own. I express my heartfelt respect to him, not as a financial planner but also as a coach to transition of my career path. I also thanks to Mr Arijit Sen, who is playing role of my investment adviser now-a-days. The care I am receiving from MerryMind and Sen family, I never count it as a mere client-planner relationship, it is far beyond that. I highly recommend others to connect with MerryMind and share your financial concerns with them and enjoy life. I wish all the best to MerryMind and Sen family.

Life is a journey a long journey with its ebbs and flows. It has different phases and one has to shoulder varied responsibilities in those phases. One has to set a goal in life and plan and prepare accordingly to achieve that goal. There are so many variables and external factors morphing into this endeavour, on which one may or may not have control. But the fact of the matter is, one must not lose focus from the goal and shift the post repeatedly and indefinitely. Once you have finished your education and entered your professional and earning phase, you must set your financial goal and visualize yourself as to where do you want to see yourself in a definite timeframe of five years, ten years, fifteen years like that with your added responsibilities and also how do you want to spend your post-retirement and old age. Taking all these factors into consideration, one must have a sound financial planning in association with all the members of the family with active guidance and help of an expert and professional financial planner. This is not a self help job and is best left to experts in the field. During the early years of my earning life, I had no such expertise available to me and there were not many avenues of wealth generation known to me. For last 14 odd years, Mr. Uttam Sen of Merry Mind is actively guiding me in achieving my time bound financial goals and targets. It gives us all the desired peace of mind which we look for. Mr. Uttam Sen and Mr. Arijit Sen of Merry Mind are very dependable, trustworthy, efficient and knowledgeable people in the job. They are quite candid and honest in their assessment and most importantly, match my wavelength. Periodical review is an essential pre-requisite of this planning and must be carried out.

A friend is always the best person who helps you even when you are not interested for help. Meeting Mr. Uttam Sen was such an incident happened through one of my friends. Frankly, I was not aware about the term ‘ Financial Planning’ till 2012. I first came to meet Mr. Sen to gather some idea about how to save my money in 2012. Eventually, a new world opened up and I found myself in a different world of meticulous analysis and fluid logic which showed a sign of security and sigh of relief as I could see a proper road map. Only then I realised the importance of financial planning. Since then me and my family want to follow the guidance of Mr. Uttam Sen and now his sincere and energetic son Mr. Arijit Sen. We can see a clear picture of the future, not only financial, but also life goals. A fantastic ongoing journey where the guide constantly doing a hand holding job. The services which are being provided continuously are outstanding. Satisfaction will be a small word of appreciation. Actually it’s much more than that…

Excellent handling of financial planning & goals by both Mr. Arijit Sen and his father, Mr. Uttam Sen. I had long been thinking about having a sound full-proof financial plan,but I was unable to reach my goal somehow or the other.However when I met Uttam sir and Arijit,it was like an all new Avenue opened up and I didn’t even think a second before giving my financial planning to them,and I am quite sure that they will do a wonderful job. Most important aspect I noticed is their’s ability to merge the financial plan with the practical/reasonable dimensions of life, which is very important in long term goals & relationships. I wish them the very best!