Straight-talking financial adviser for business owners and senior professionals 👨🏻‍💼 Jargon-free financial advice and planning without the pinstripe suit 😎 Do you know how much you’ll have to live on in retirement?

Your company stock is worth more than your house.

On paper, you're wealthy. In reality? You're terrified of having all your eggs in one very expensive basket.

I get it.

As one client put it: "If you talk to people who worked at Nokia or Blackberry, you know that rich feeling can flip very quickly."

I'm Shabbar. I've spent 15+ years helping professionals just like you turn financial complexity into life clarity.

Here's what I believe: Money is never the end goal. It's the tool that gives you choices.

Whether you're wrestling with RSU golden handcuffs or wondering "When can I actually retire?", the questions that keep you awake aren't really about money. They're about life:

- What lifestyle do I want when I retire and how much will this cost?
- How much should I be saving for my retirement?
- When can I afford to stop working, slow down, or perhaps work part-time?
- What income can I expect from my various pension plans?

My approach is different. I don't start with your portfolio - I start with your life.

What makes me different with RSUs specifically?

I help you diversify smartly - reducing concentration risk while still backing your company to succeed. We explore strategies like utilising spouse allowances, maximising available tax vehicles, and creating a balanced approach that doesn't leave you overexposed to one stock's performance.

The result?

Take one recent client - a senior professional whose RSU grants had grown to over 50% of their net worth. They felt wealthy on paper but terrified about having everything tied to one company.

Within 18 months, we'd reduced their company stock exposure to just 7% while building a diversified, tax-efficient portfolio. We used both spouses' CGT allowances, timed sales around vesting dates to avoid unnecessary tax, and wrapped the proceeds in ISAs and pension contributions.

Now they sleep better, have genuine diversification, and still benefit from their company's success - just without the anxiety of having all their eggs in one basket.

Ready to stop feeling trapped by your own success?

Shabbar Kassam

UK Civil Service

Collaborating with the Senior Delivery Manager to establish and sustain high-performing teams, promoting motivation and seamless cooperation among team members.
Recognise impediments hindering progress and offer clear guidance to assist the team in overcoming these challenges effectively.
Championing and facilitating an environment of continuous improvement within the Agile delivery team, fostering a culture of ongoing refinement and growth.
Undertaking Agile ceremonies such as daily stand ups, retrospective, sprint planning etc.

Delivery Manager

Sainsbury's

Created various change materials, including presentations and training resources. 
Participated in workshops involving affected stakeholders, including training sessions, to facilitate understanding and engagement.
Fostered robust business partnerships with other internal departments, promoting constructive collaboration.
Ensured knowledge sharing across the entire team, contributing to succession planning, and reducing reliance on individual expertise to mitigate potential risks.
Assisted the Programme Change Lead in executing the plan, encompassing activities such as stakeholder analysis. 
Developed a comprehensive understanding of the processes and systems utilised throughout the entire Supply Chain function, along with a grasp of Sainsbury’s strategy and business priorities.

Business Change Manager

CAE Technology Services

Responsible for overseeing the engagement process and deliverables of 3rd party suppliers on designated projects. This included promptly updating tickets with pertinent information to ensure all stakeholders were well informed about the project’s status.
Additionally, reporting progress against established plans and maintaining an accurate record of work completion percentages.
Initiating and nurturing relationships with critical project and business stakeholders, fostering effective communication and collaboration, ensuring to uphold high levels of customer satisfaction throughout the project lifecycle.
Promptly escalated any potential risks or issues, allowing for early intervention and resolution.

Project Coordinator

Arup

Role made redundant due to Covid19 cutbacks (hence short employment period).

Senior Consultant

Heathrow

Employer Engagement Manager - Heathrow Employment & Sillks Academy 

Process Engineer

KSB Project Solutions Ltd

Working with Aviation Business Continuity on supporting Heathrow with the implementation of Terminal 3 Integrated Baggage System

Proving Manager

Dyer & Butler

Project Manager

Leading several key areas of activities, culminating in the successful opening of the Retail Operation in Terminal 2:
•	Worked closely with other specialists in the wider retail concessions department to ensure a seamless link between Terminal 2 development (a £2.4 billion project) and business as usual, completing all work within a very tight timescale of six months before opening.
•	Ensured a constant focus on ‘Continuous Improvement’ to make sure that best practices were adopted and the required end result was achieved.
•	Developed robust operational readiness plans, liaising with all stakeholders.
•	Provided guidance, training and support to more than 60 retailers in the build up to operational opening, including all food and beverage, all money exchanges, Boots, Dixons, WHSmith and Heston Blumenthal’s restaurant, The Perfectionists’ Café.

Retail Operational Readiness Manager T2

The transition of capital projects into the operation:
•	Liaised with the capital development and project teams to identify commissioning activities and work streams, in order to minimise the impact on the operation during the delivery phase.
•	Resolved issues on behalf of the operation.
•	Successfully conducted proving trials and delivered early airbridge training in Terminal 2B (Phase 1) and Terminal 5C, to allow early use of stands to facilitate unplanned demand.

Technical Commissioing Manager

The delivery and integration of airfield elements of the Airline Relocation Programme at Heathrow;
•	Planned and managed the delivery of all airside testing activities. 
•	Managed relationships with all internal and third parties in relation to airside proving trials, which enabled the integration of all internal and external airside proving activities.
•	Developed and led the delivery of all airside activities for successful migration, as required by the Airlines Relocations Programme.
•	Assisted the Airside Operations Solutions and Assurance team in ensuring that all airside migration and proving activities where fully compliant with CAA regulations.

Airside Proving & Migration Manager

A highly accomplished, process driven project manager, with outstanding skills in developing and maintaining effective stakeholder relationships.  

A passionate ORAT specialist with over 18 years’ experience in the aviation industry, having worked in several business areas, including Security, Airside Operations, Retail, Development, Baggage and Employment and Skills which was part of the HR department.

Due to the pandemic, I chose to diversify my career opportunities and broaden my skills.  I pivoted into the IT sector where I knew I could seamlessly transition with my current competences, whilst further gaining knowledge, skills and experience.  

PRINCIPAL SKILLS
.      SAFe Scrum Master 
•	Lean Six Sigma Green Belt
•	Prince2/ Agile 
•	Stakeholder Management 
•	Training 

KEY ACHIEVEMENTS TO DATE
•	Successfully implemented the first ever airport retail catering unit handling liquid nitrogen as part of their cooking method within an airside environment at Heathrow Terminal 2.
•	I was part of the team that improved customer experience by cutting 14 minutes on the waiting time for baggage reclaim allocations in T2, with the delivery of a 12.5% increase in reclaim capacity without increasing the floor plate.


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The Battle

Shabbar Kassam

Khairunnissa (Kayla) Black - BA Hons, SSM

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