M. Salim is a Senior Associate Director with HRM3 Asia providing Financial Counselling to Senior Executives. He has been associated with the financial services industry over the last 16 years, advising individuals from all walks of life, corporations and senior management in the areas of financial matters. As one of key founding partners of First Principal Financial Pte Ltd, currently a leading independent financial adviser in Singapore, Salim has been responsible for the development of it financial and business models. Salim graduated in NUS with a degree in Business Administration.