Financial planning is not about restricting your life — it is about freeing it.
— SANDEEP SAHNI, FOUNDER, SAHAYAK ASSOCIATES
Most people think financial planning means picking mutual funds. It is far more than that. A real financial plan is a living document — one that connects your values, your goals, and your money into a coherent strategy.
At Sahayak, we use a six-pillar framework to build plans that are comprehensive, realistic, and actionable — not just a thick report that collects dust.
Define what truly matters — child's education, dream home, retirement, or legacy. We map every rupee to a purpose.
Understand exactly where your money goes. Optimize income, expenses, and savings to build a powerful financial engine.
Life is unpredictable. We ensure the right insurance and emergency buffers so your plan survives any storm.
Systematic investments across mutual funds, equity, debt, and alternatives — diversified for growth and stability.
The right mix of assets at every life stage. Dynamic rebalancing as markets and milestones evolve.
Every decision is tax-optimized. From 80C to capital gains planning — we help you keep more of what you earn.
Do not save what is left after spending; instead, spend what is left after saving.
— WARREN BUFFETT
Five thoughtful steps from first conversation to lasting financial clarity.
A deep 90-minute conversation about your life, goals, fears, and aspirations. No forms. Just a real conversation.
We analyse your income, assets, liabilities, insurance coverage, and tax position to map your current reality.
A comprehensive, written financial plan — personalized to your family, timeline, and risk appetite.
Seamless execution of your plan via NJ E-Wealth — SIPs, lump sums, insurance, and tax-saving investments.
Life changes. Your plan evolves with it. We meet every year to review, rebalance, and realign.
Young professionals starting their wealth journey
Newlyweds planning their financial future together
Parents planning for children's education & marriage
Professionals approaching retirement in 10–15 years
Business owners seeking personal financial clarity
NRIs looking to plan their India investments
Anyone who feels overwhelmed by financial decisions
Families wanting to protect & grow their legacy
Comprehensive written Financial Plan document
Net Worth Statement & Cash Flow Analysis
Goal-wise Investment Roadmap
Insurance Coverage Gap Analysis
Tax Planning Summary
Emergency Fund & Liquidity Plan
Retirement Corpus Calculation
Annual Review & Plan Update
A goal without a plan is just a wish. The best time to start planning was yesterday. The next best time is today.
— ADAPTED FROM ANTOINE DE SAINT-EXUPÉRY
We are fee-transparent advisors. We recommend what is right for you — not what pays the highest commission.
SEBI registered, AMFI certified, CFP qualified. You get advice backed by credentials, ethics, and 14+ years of experience.
Plans come with seamless execution via NJ's platform — India's most trusted MF distribution infrastructure.
Every plan includes a comprehensive review of life, health, and term insurance — so your wealth is always protected.
Life changes every year. So does your plan. We commit to an annual review so your plan always reflects your reality.
Every recommendation — every SIP, every fund, every policy — is traced back to one of your specific life goals.