Home | Saju Associates

Since

2001

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.

Our Services

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.

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.

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.

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.

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.

Income Insurance

DO YOU KNOW ABOUT INCOME INSURANCE ?

Even in your absence, Your income should continue to your family. If nothing happens to you,

It will act as a substitute or an additional income for your entire lifetime.

Protect Your Income through Income Insurance.

MWP Act Based Solutions

MWP (Married Women's Property) Act 1882

As you might be already aware, Life Insurance is a must to protect family members in case of an unfortunate event.

But do you know that in case you have unpaid debts, your creditors will have the FIRST CLAIM ON YOUR POLICY PROCEEDS.

TO PROTECT YOUR FAMILY AGAINST SUCH CRISIS,

YOU NEED TO BRING YOUR POLICY UNDER THE SCOPE OF THE MARRIED WOMEN PROPERTY ACT (MWP).

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.

Testimonials

What our customers say about us

Trusted by more than 2300 customers.

View All

Saju is a person with dedication, professionalism and commitment. He's is truly a wealth management consultant with vast wealth management knowledge and experience. As all know the insurance has many terms / conditions/hidden notes which are not so familiar with us. But Saju makes sure that we do understand each and every part of the contract. The patience that he shows to explain the thing is outstanding. strongly recommend his service to anyone seeking a knowledgeable, dedicated, trustworthy and reliable wealth management consultant. Thank you Saju chetta.

Google Review

Gokul L –

CEO , Build Well India

I have seen and encountered many insurance and financial consultants in my life and found most of them busy selling just a product/service, but never asked what type of investment I want. Sajukumar was the first one to explain life value and what it meant to my family if I am not there alive, financially and made me draw up a plan for that. His professionalism and knowledge of the industry were impressive and his ability to explain complex terms and policies in a clear and concise manner was greatly appreciated. I felt confident that I was making an informed decision thanks to his guidance and expertise. I would certainly recommend him to all my friends and family for their life insurance needs. he is a true professional and a credit to his industry.

Google Review

Rohan S John –

Director , Metro Scans

Saju is a Financial Planner with a difference!

Am sure everyone views a Financial Advisor / Insurance Consultant with a certain amount of disdain, that pesky follower who tries to sell you something that deep down you feel, you don't want! The difference I mentioned is that Saju never comes to you to sell anything. He listens for most part of a mutual meeting and guides one into thinking the right way regarding one's future financial goals. He may even go to the extent of discouraging you from buying an insurance product. And that's Saju, your friendly neighbourhood financial future securer !

Google Review

Praveen Peter –

CEO , Ponmudi Packarts Pvt Ltd

I highly recommend Saju Associates and Mr. Sajukumar for their exceptional Financial and Insurance Advice. Their expertise and commitment to providing trustworthy guidance have been invaluable in helping me make informed decisions for my financial future. Mr. Sajukumar's professionalism and dedication to client satisfaction make them a reliable choice for anyone seeking sound financial advice.

Google Review

Ajithkumar A –

CEO , Variety Aluminium Traderz

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

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.

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.

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.

Aswathy JA –

"I had a great experience working with Mr. Saju Kumar from Saju Associates, as my Financial Planner. He guided me in choosing an insurance plan that provides strong future protection and helped me establish a second income plan. Mr. Saju took the time to understand my needs and goals, explaining each option clearly and thoroughly so I could make informed decisions. His expertise and personalized approach have given me peace of mind and confidence in my financial future. I highly recommend Mr. Saju for anyone seeking a trustworthy and knowledgeable financial advisor!"

Google Review