About Saju Associates

Saju Associates was started in 2001. We provide Insurance and investment advice for individuals, firms, and companies. We help you with any type of transaction, or insurance, and facilitate things without financial loss in the future.

With 23 years of experience, we have honed our skills in investment planning, wealth management, etc. Whether you're looking to grow your wealth, plan for retirement, or secure your financial future, we are here to provide strategic guidance every step of the way.

We tailor our strategies to match your circumstances and financial aspirations. A beacon of financial guidance, helping our clients navigate the complexities of finance and achieve lasting prosperity. We believe in fostering trust through open communication, providing you with a clear understanding of our recommendations, and ensuring that your financial journey is guided by integrity.

We are associated with The Life Insurance Corporation of India, New India Assurance co-Ltd.,Star Health and Allied Assurance Co. mutual funds to serve our clients on various investment products.

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Our Services

  • icon Financial Planning
  • icon Investment Management
  • icon Retirement Planning
  • icon Estate Planning
  • icon Tax Planning

icon Financial Planning

Financial Planning

We offer personalized financial planning services to help you chart a clear path toward your short-term and long-term financial objectives.  Regular communication and reviews are key components of a successful financial planning relationship. Throughout the process, we educate the client about financial concepts and the rationale behind their recommendations.

icon Investment Management

Investment Management

 By offering personalized guidance and expertise we are helping the clients navigate the complexities of the financial markets and work towards their financial objectives. We regularly monitor the performance of the client's investment portfolio and make adjustments as needed. Rebalancing involves buying or selling assets to maintain the desired asset allocation and risk level.

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Retirement Planning

Our retirement planning services are designed to help you build a robust retirement strategy, ensuring that you can enjoy your golden years with peace of mind. We help the client estimate future retirement expenses, considering factors like healthcare costs, travel, and potential lifestyle changes.

icon Estate Planning

Estate Planning

Our advisors will work with you to develop a comprehensive estate plan that addresses your unique circumstances and goals. We assist our clients in taking stock of their assets, including real estate, investments, retirement accounts, life insurance policies, business interests, and personal property. Valuation of these assets helps determine the overall estate value.

icon Tax Planning

Tax Planning

Our tax planning services aim to optimize your tax efficiency while ensuring compliance with all relevant regulations. We assist clients in minimizing potential estate taxes by employing various strategies such as gifting, creating trusts, and utilizing the applicable exclusion amount. We analyze the tax implications of different income streams and work to optimize the overall tax situation.

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Why partner with Saju Associates?

  • We can save you time and reduce stress by outsourcing the complexities of financial planning and investment management to a knowledgeable professional.
  • We have a deep understanding of financial markets, investment strategies, tax laws, and other complex financial topics.
  • We help you to define your financial goals, whether they involve saving for retirement, purchasing a home, funding education, or achieving other milestones.
  • Assess your risk tolerance and develop investment strategies that align with your comfort level.
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What our customers say about us

Trusted by more than 1000 customers.

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I have been interacting with Mr. Sajukumar for more than 10 years. Always have seen him as very patient and prompt in handling any kind of queries and answering all doubts, as my advisor.  Great advisor for all Insurance solutions.  I strongly recommend their service and long-lasting relationship

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Siva Prasad –

I have been associated with Mr. Sajukumar since 2015 and I am very satisfied with his vulnerable service. He provides clear guidance on financial goals. I would highly recommend Saju Associates if u are looking for financial advice.

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Jothish –

 If you're seeking a trustworthy and knowledgeable financial advisor, I wholeheartedly recommend Saju Associates and I'm grateful for their positive impact on my financial journey.

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Jayaprakash –

I had the pleasure of working with Saju Associates and can confidently say that it has been a game-changer for my financial future.

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Aswathy JA –


SAJUKUMAR R, CEO & Chief Financial Planner


Saju Associates started in 2001

Got AMFI Certification in 2005

LUGI LEAP CEO CLUB AWARD 2022, received from Jaipur.

MDRT 2023- MDRT Member -USA

MDRT 2024- MDRT Member -USA

Galaxy club member from LIC of India.


  • Crorepati FY 2007-08
  • Crorepati FY 2008-09
  • Crorepati FY 2009-10 Centurion with Triple Crorepati 
  • Continuing 16 years of Crorepati Achievements


  • Recipient of the LUGI LEAP CEO CLUB AWARD 2019- Thailand
  • Recipient of the LUGI LEAP CEO CLUB AWARD 2020
  • Recipient of the LUGI LEAP CEO CLUB AWARD 2021- Mumbai

MDRT (Million Dollar Round Table- USA)

An International Recognition of the World’s Premier Financial Professional Award from the USA

  • MDRT 2019  - MDRT Member USA
  • MDRT 2020  - MDRT Member USA
  • MDRT 2021  - MDRT Member USA
  • MDRT 2022  - MDRT Member USA
  • MDRT 2023  - MDRT Member USA


MDRT Membership Communication Committee- USA

  • MDRT MCC- LOCAL CHAIR Kerala 2021 (one among the 5 selected from Kerala)
  • MDRT MCC- AREA CHAIR Southern India 2021 ( one among the 6 selected from India)