In my 21+ years as a life insurance and financial services advisor, dealing with high-level executives and top-performing entrepreneurs, I’ve met clients with different levels of experience with investing. It’s interesting to hear the questions that come up in my meetings, these questions have mostly been around restructuring existing portfolios.


As life insurance advisors, we’re called on field as the most valuable player when a client of ours passes away- to show up with the cheque for the dependents, no matter what. In the lifecycle of serving a client, this is really one of the most crucial moments.

And different…


“I felt my fingers twitching, my body shaking, I felt like I needed to get out of the pit as quickly as possible and I didn’t see this coming.”

I’ve always been looking for the next adrenaline rush that would push my limits, and that’s primarily been through testing my…


The UAE property market has taken multiple turns over the last 20 years. A noteworthy time in the industry was around 2006–2008 when property prices were inflated and the economy was booming.

A lot of people who purchased property at that time now find it hard to liquidate those assets…


Over the years of being a parent and a son to my parents, I never thought I would go down the path of enforcing my opinions on my kids. Sometimes, I pause, take a step back, and realize that I’ve become the same person that I told myself I wouldn’t…


I believe there is always room, especially when humans are involved, for some level of errors to take place. Now the reality of the matter is, in the real world it’s unlikely that you’ll be able to go through life without screwing up. I’ve been in the life insurance and…


Most of the world has been affected by the Covid-19 pandemic since March 2020. That’s about 17 months of going through work and lifestyle shifts, relying heavily on technology, and not having traveled. It’s fair to say that there’s a fair bit of monotony setting in. …


A question I’d like you to play with is, “how much do I trust my financial advisor?”.

Is the trust enough for you to give them total responsibility on the handlings of a lifetime’s worth of wealth?

If you’ve been having doubts about this, that’s great. Always question everything. If…


When you’d like to pass down money to your heirs, saving your life’s earnings into a fixed deposit account or investment portfolio is a common option. You depend on estimated interest rate fluctuations or returns from your investment portfolio to determine your growth. …


Hearing a statement like this may scare most people. No, I’m not referring to being audited by tax authorities. You don’t have to pay fines or dues- at least not in the traditional sense. But what you don’t know can hurt you.

What am I referring to? When I talk…

Rickson Joel D'souza

Life Insurance Advisor to HNW Individuals: 21+ years in the industry | 2x Marathon Des Sables | Change Advocate | Show up with the cheque. www.ricksondsouza.com

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