Financial planning is important — failing to plan means planning to fail. Work with a dedicated team of professionals across the USA and Canada to build a financial plan designed around your life.
I work with a team of professionals across the USA and Canada, and together we educate our clients on how to create a successful financial plan.
Our mission is to help you achieve your financial goals. We believe that financial planning is not just about numbers — it's about building a foundation that protects your family, secures your future, and creates lasting wealth.
Our focus areas are financial protection, long term care, and guaranteed retirement income solutions — the three pillars of a truly comprehensive financial plan.
Every client's financial situation is unique. We offer four core service areas designed to work together as part of your complete financial plan.
Protect the assets you've worked hard to build and ensure they are transferred to your loved ones according to your wishes.
Learn moreSafeguard your family from life's unexpected events. Financial protection is the foundation of every sound financial plan.
Learn moreBuild a plan for guaranteed retirement income — income you cannot outlive, so you retire on your terms.
Learn moreAccess benefits while you are still alive — critical illness, chronic illness, and terminal illness riders that protect you today.
Learn moreA successful financial plan is built in layers — like a pyramid. Each level must be solid before building the next. We guide you through every step.
Before anything else, protect your family and income from life's unexpected risks. This is non-negotiable.
Develop a strategy to eliminate high-interest debt systematically, freeing up cash flow for future wealth building.
Build a liquid safety net — typically 3–6 months of living expenses — so unexpected events don't derail your plan.
Once your foundation is secure, grow your wealth strategically through tax-advantaged investment vehicles.
Financial Planning Pyramid
Build from the bottom up — every level supports the next.
"Financial planning is important — failing to plan means planning to fail."
— KiMi Financial Solutions Mission
One of the most important concepts in financial planning — understanding how responsibility and wealth relate over your lifetime.
As you move through life, two forces are at work:
As you age, your financial obligations (mortgages, dependents, debts) typically decrease.
Simultaneously, your accumulated wealth should be growing — creating greater financial security over time.
A proper financial plan harnesses both laws — reducing what you owe while building what you own.
See How This Applies to YouMost people put all their savings in one type of account — without realizing it could cost them significantly in taxes. Smart financial planning uses all three buckets.
Income taxed as you receive it at ordinary income rates.
Contributions reduce taxable income today; taxes paid upon withdrawal.
Growth and withdrawals are tax-free when rules are followed.
The Smart Question to Ask
"Am I paying too much in taxes on my retirement savings?"
We educate before we recommend. You'll understand exactly what you're doing and why — no confusion, no pressure.
You get access to an entire network of financial professionals across the USA and Canada, not just one advisor.
Every plan is built around your specific goals, family situation, risk tolerance, and timeline — never a one-size-fits-all solution.
We always start with protection — ensuring your family is covered before building on top. A strong foundation first.
We focus on financial vehicles that offer guarantees — so your retirement income and protection benefits are never left to chance.
Backed by the strength, resources, and integrity of The Hegemon Group International — a trusted name in financial services.
Sajan took the time to explain everything clearly — I finally understand how my financial plan works and why each piece matters. I feel genuinely secure about my family's future.
I never realized how much of my retirement savings were going to taxes. The 3 buckets concept completely changed how I think about saving. This consultation was invaluable.
Working with Sajan's team gave me peace of mind I didn't know I was missing. They made the process easy, educational, and completely focused on what was right for my family.
* Testimonials shown are illustrative examples. Replace with verified client testimonials prior to publishing.
Have more questions? Schedule a free 1:1 strategy call and we'll answer everything specific to your situation.
Book a Free Strategy CallYes — our initial strategy call is completely free and carries no obligation. Our goal is to understand your situation, educate you on your options, and determine together whether we can help.
Yes. We work with a team of professionals across the USA and Canada, so we are able to serve clients in multiple states and provinces. Contact us to confirm availability in your specific location.
We start by listening — learning about your current financial situation, your goals, and any concerns you have. Then we walk you through how financial planning works, answer your questions, and outline a potential path forward. No pressure, no sales pitch.
Living benefits are provisions within certain life insurance policies that allow you to access a portion of your death benefit while you are still alive — typically in the event of a critical illness, chronic illness, or terminal illness diagnosis. It is protection that works for you during your lifetime, not just after.
Sajan Devan operates as a Regional Marketing Director under The Hegemon Group International (HGI). HGI is a financial services organization whose advisors focus on educating middle-income families about financial planning strategies. You can learn more about HGI at hgicrusade.com.
Simply book a free strategy call using the calendar on our Book a Call page, or contact us directly at 813-418-2817 or KiMiFinancialSolutions@gmail.com. We'll take it from there.