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SUCCESS


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Ms Harminder Kaur Chahal
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XL Associates
After accompanying my father on a visit to his accountants’ office, I knew at the age of 12 that I wanted to be an accountant! Not many children today know what they want to do at this age. I was engaged at 18 before going to university,after which, I began working as a purchase ledger clerk, as well as helping my parents in their clothing manufacturing business in West Bromwich. In 1998 I got married and started my professional studies towards my ACCA qualification. I continued to work whilst studying, sitting exams every six months. By 2001 I had gained a little more experience by working in larger firms and taking on more roles. During December 2001, I sat my final exams whilst looking after my one year old daughter. My duties as a mother and wife were not on hold! This was one of the hardest challenges. Being an Indian wife, mother and daughter in-law and sitting your finals is not something I would recommend; but I did it! I passed my finals and became a member of the Association of Chartered Certified Accountants in 2002. My career, then lead me into industry where I worked for a multi-national corporation as a management accountant.Unusually I then moved into a small practice before getting my big break as an auditor at PriceWaterhouseCoopers. In 2007, whilst on maternity leave, I leftPwC to build my own accountancy practice; XL Associates in Wolverhampton.My unique progression in this professional field enabled me to gain experience working with small businesses to £billions turnover companies. Today I am a director on several different companies including XL Associates;dealing in all aspects of audit and accountancy work and Keystone Solutions; which deals withhigh net worth individuals and asset protection planning. In 2013 my firm was listed on the ‘preferred adviser’ list of UBS Bank in Zurich. Today we service clients all over the UK and Europe as well as Dubai and India. I am proud to say that I believe I am the only Sikh woman to have qualified and set up her own accountancy practice in the Midlands! The hardest thing in life is the decision to act; the rest is merely tenacity!
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