Insurance and protection context
Shakeb founded HAYA in 2021 and previously served as a New York Life agent from 2021 to 2026, bringing protection conversations into a broader planning context.
HAYA Financial Strategies & Insurance Agency
Financial clarity for the decisions that protect what matters.
HAYA helps families, professionals, and business owners become more organized, better protected, and more prepared for the conversations that shape long-term financial well-being.
Organized decisionsPriorities, coverage, cash flow, and next steps made easier to see.
Family protectionLife and income protection reviewed through a values-based lens.
Coordinated planningReferrals to legal, tax, and advisory professionals when appropriate.
A steadier planning experience
Protection and planning should feel understandable.
Many people carry important financial questions in separate mental folders: family needs, income protection, debt, savings, estate documents, taxes, and professional advice. HAYA brings those conversations into a clearer order.
The work is educational, practical, and coordinated. We help you understand where insurance may fit, where legal or tax guidance may be needed, and what steps can make your household or business feel more prepared.
Founder-led guidance
A real person behind the process.
HAYA Financial is led by Shakeb "Shak" Kundiwala, a Sacramento-based entrepreneur and financial professional who helps families, professionals, and business owners make clearer decisions around protection, preparedness, and financial organization.
His work is shaped by experience in insurance, technology, business operations, and community leadership. The result is a practical, values-driven approach to conversations that can otherwise feel scattered or overwhelming.
Credibility with perspective
Experience that supports calmer decisions.
HAYA's guidance is informed by insurance experience, operational discipline, and a community-centered view of what families and business owners carry.
Technology and business experience
His background includes professional services work as a Hewlett Packard Enterprise solution architect and operating experience as founder and CEO of Workative Inc.
Community-oriented leadership
As founder and president of the Sacramento Metro Muslim Chamber of Commerce, Shakeb brings a practical, relationship-centered lens to client conversations.
Core guidance
A clear place to begin.
HAYA focuses on practical decisions that support protection, organization, and better follow-through.
Life insurance strategy
Understand the purpose, amount, structure, and timing of coverage in the context of your family, obligations, and values.
Income protection
Review disability income protection as part of a broader plan for household continuity and professional resilience.
Financial coaching
Build more confidence around budgeting, priorities, decision-making, and the next professional conversations worth having.
Coordinated, not siloed
Good planning often involves more than one professional.
HAYA helps clients identify where specialized guidance may be important, including wills, trusts, tax questions, investment advice, and business planning needs. When appropriate, we can help connect you with qualified legal, tax, or advisory professionals.
The goal is not to make every decision in one meeting. The goal is to help you understand what matters, what is missing, and what should happen next.
“Preparedness is not about predicting everything. It is about making the important decisions visible enough to handle with care.”
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.