Clarity
We translate complex topics into plain language so clients can understand the purpose and tradeoffs of each decision.
About HAYA
A founder-led guide for protection and financial clarity.
HAYA Financial Strategies & Insurance Agency was founded in 2021 by Shakeb 'Shak' Kundiwala for people who want thoughtful guidance, practical education, and a calmer way to approach important planning decisions.
Our role
We help make the invisible work of planning visible.
Many families and professionals know they should review insurance, put legal documents in place, or organize their financial picture. The hard part is knowing where to start and who should be involved.
HAYA provides a clear first layer of guidance: education, organization, insurance strategy, and coordination. When a question belongs with an estate attorney, tax professional, or financial advisor, we help identify that need and support the handoff.
Founder
Meet Shakeb "Shak" Kundiwala.
Shakeb "Shak" Kundiwala is a Sacramento-based entrepreneur and financial professional focused on helping families, professionals, and business owners become more financially organized, protected, and prepared.
He founded HAYA Financial Strategies & Insurance Agency in 2021 after seeing how often important decisions sit between categories: insurance, household organization, income protection, estate planning documents, business needs, and professional referrals.
Shak helps clients think through life insurance strategy, disability income protection, personal financial education, and estate planning coordination. When a question belongs with a qualified attorney, tax professional, financial advisor, or other specialist, HAYA helps identify that next step rather than stretching beyond its role.
His broader background includes serving as a New York Life agent from 2021 to 2026, working as a Hewlett Packard Enterprise solution architect in professional services, founding and leading Workative Inc., serving as CEO of Shariawiz Advisory LLC, and founding the Sacramento Metro Muslim Chamber of Commerce.
As a modern Muslim American, father and stepfather, Shak brings a practical, community-oriented, values-driven perspective to conversations that deserve both clarity and care.
Values
Calm, clear, and centered on people.
Preparedness
We help clients think ahead without pressure, fear, or exaggerated claims. Planning is handled with care and perspective.
Coordination
We respect professional boundaries and encourage qualified legal, tax, or advisory guidance when the situation calls for it.
Trust and boundaries
A clear role in a broader planning picture.
HAYA helps clients organize decisions and identify appropriate next steps. Depending on the situation, that may include insurance implementation, financial education, or referral to qualified legal, tax, or advisory professionals.
Insurance experience
HAYA brings protection strategy into practical conversations about family, income, ownership, and continuity.
Business and systems thinking
Shak's technology and operating background helps bring structure to decisions that often feel scattered.
Community-centered approach
The work is grounded in listening, practical education, and respect for the professional boundaries each client situation requires.
“The right planning conversation should leave you more organized, not more overwhelmed.”
Who we serve
Families, professionals, and business owners who want a clearer path.
HAYA is a fit for people who want to protect family priorities, understand income protection, prepare for estate planning conversations, or build more confidence around personal financial decisions.
The relationship begins with listening. From there, we help determine whether education, insurance planning, professional referrals, or a combination of steps would be most useful.
Next step
Start with a calmer conversation.
Book a short introductory call to talk through what you are trying to organize, protect, or prepare for.