With over 18 years of experience in the financial services industry, I have consistently delivered trusted wealth management and financial planning solutions to a wide range of clients. My career journey includes key leadership roles at some of India's most reputed financial institutions.
I began my professional path at Bajaj Capital as a Client Relationship Manager @ Chandigarh & Panchkula location, gaining deep insights into investment advisory and client servicing. I later served as Assistant Vice President at Axis Bank - Shimla & Panchkula location, where I handled high-value portfolios and offered tailored financial strategies. Most recently, I worked with HDFC Bank as Director - Wealth for Himachal Pradesh, where I handled Ultra HNI and HNI clientele with a focus on delivering bespoke wealth management solutions including Portfolio Management Services (PMS), Alternative Investment Funds (AIFs), fixed income instruments such as Bonds, and also NRI client's portfolio management, ensuring alignment with long-term financial goals and global investment strategies.
I hold the prestigious CFP®(Certified Financial Planner) certification by Financial Planning Standard Board USA & India, recognized globally as the gold standard in personal financial planning. I am also a Qualified Personal Finance Professional (QPFP), certified by Network FP, which further demonstrates my commitment to ongoing professional development.
I strongly believe in conducting business with "Ethics by Heart", placing trust, transparency, and the client's best interest at the centre of everything I do.
My core areas of expertise include comprehensive financial planning, investment advisory, retirement planning, tax efficiency, wealth preservation & wealth distribution. I am passionate about helping individuals and families make informed financial decisions and achieve long-term financial well-being.
Expertise * Transparency * Holistic * Integrity * Client First * Solutions
As a Qualified Personal Finance Professional, I shall follow & abide by the following Code of Ethics and Professional Conduct to live up to the trust endowed in me by the clients and to uphold the dignity of my profession.
My clients trust me for being an expert in the field of personal finance. I shall keep myself updated with required knowledge & skills to provide expert recommendations to my clients.
My clients trust me for being transparent in all my dealings with them. I shall voluntarily disclose all material facts & conflicts of interest in a fair & transparent manner to my clients.
My clients trust me for empathizing with their dreams, goals, aspirations & anxieties. I shall be mindful, compassionate and respectful of all their feelings around both money & life.
My clients trust me for being honest in our relationship. I shall always maintain integrity of our professional relationship and never do anything which is a let-down to my clients.
My client trusts me for providing truly unbiased & independent advice. I shall ensure that my clients interest always comes before my personal gains and advice is void of any biases.
My clients trust me for providing solutions to their problems, needs & requirements and not merely execute their transactions. I shall be diligent in offering the best possible solutions.
Sandeep Goyal brings a wealth of experience & deep expertise of 20 years and deep expertise to Winvestor Wealth as a Partner and key strategist. He has worked for Indian Banks & Insurance Companies and Global Banks also. With a strong foundation in financial planning, he is dedicated to helping clients secure, grow, and preserve their wealth through personalized and forward-thinking financial strategies.
He holds multiple prestigious certifications and designations from globally recognized financial institutions, reflecting his commitment to professional excellence and continuous learning: -
Sandeep's areas of specialization include comprehensive risk management, estate and succession planning, tax-efficient investment structuring, and goal-based retirement planning. His approach integrates global best practices with a deep understanding of the Indian financial landscape, ensuring every client receives well-rounded and practical advice tailored to their unique life goals.
At Winvestor Wealth, Sandeep is known for his analytical insights, client-first attitude, and his belief in holistic, ethical, and compliant financial solutions. His passion lies in transforming financial aspirations into measurable outcomes empowering individuals and families to achieve true financial freedom.
