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Zaki Financial

Islamic Financial Planning

Aligning your wealth with your faith for a prosperous and purposeful life, both here and in the hereafter.

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The Foundation of Financial Well-being

Financial planning is the process of setting goals, developing strategies, and making informed decisions to manage your financial resources effectively. It's about creating a roadmap to navigate life's financial journey, from managing daily expenses to planning for major milestones like retirement, education, and leaving a legacy.


A solid financial plan provides clarity, confidence, and control over your financial future, helping you protect your assets and achieve your dreams.

The Islamic Imperative: Stewardship and Purity

For Muslims, financial planning transcends mere worldly goals. It is an act of worship and a fulfillment of our role as stewards of the wealth Allah (SWT) has entrusted to us. Islamic financial planning is rooted in Islamic principles that emphasize ethical earning, responsible spending, purification of wealth through Zakat, and avoidance of Riba (interest), Gharar (uncertainty), and Maysir (gambling).


By integrating these principles, you ensure your financial activities are not only profitable but also spiritually rewarding and pleasing to Allah, bringing Barakah (blessings) to your life.

​​Our Islamic Financial Planning Services

At Zaki Financial, we offer tailored planning services to meet your unique needs, ensuring every recommendation is rooted in Islamic principles.

Comprehensive Plan

A holistic, in-depth analysis of your entire financial life, from investments and retirement to estate planning and Zakat calculation.

  • ✓ Full Financial Assessment
  • ✓ Halal Investment Strategy
  • ✓ Retirement, Tax, Insurance, Charitable & Education Planning
  • ✓ Islamic Estate & Inheritance Plan

$1,000 - $2,000

Based on complexity

Book a Discovery Appointment

Focused Plan

Targeted advice for a specific financial goal, such as creating a Shariah-compliant investment portfolio or planning a major purchase.

  • ✓ Retirement, or Education, or Estate Planning

  • ✓ Portfolio Review & Allocation

  • ✓ Debt Management Strategy

  • ✓ Business Planning

$250 / hour

Consultation-based

Book 1 Hour Paid Consultation

Planning Lab

Utilize our Financial Planning Calculation Lab to model various scenarios and support your decision-making process.

  • ✓ Low-Cost

  • ✓ Tailored to questions and answers but not personalized

  • ✓ Comprehesive

  • ✓ Easy Online Access

$99 annual subscription

Coming in 4/2026

Coming Soon

​​Financial Planning Types

Cash Flow, Budgeting and Debt

  • Create an emergency fund

  • Create a budget

  • Optimize your cash flow

  • Pay off debt

  • Save for financial goals

Investment Financial Planning

  • Creating a personalized investment strategy

  • It should align with the individual's financial goals, risk tolerance, and investment preferences

  • Allocation between different investment types

  • Diversified and balanced investment portfolios

Financial Goals

  • Specific, Measurable, Achievable, Relevant, and Timely (SMART)

  • Can be short-term goals, such as reducing debt, marriage, buying a home, hajj, or others

  • They can also be long-term goals, such as saving for retirement, education, paying off a home, having a charitable legacy, or passing on an inheritance correctly.

  • The ultimate goal is to achieve greater financial stability and security.

Retirement Financial Planning

  • Setting retirement goals and optimal age

  • Retirement expected income and expenses

  • Medicare and Social Security strategies

  • Investment strategies

  • Roth conversion strategies

  • Retirement withdrawal strategies

  • Subjecting your retirement income to different stress tests, such as changes in inflation, investment performance, health, and life expectancy.

Education Financial Planning

  • For you or your children higher education.

  • Calculating the future cost of college and graduate schools

  • Calculating how much how long you need to save now

  • College savings accounts

  • Scholarships and grants

  • Student loans?

Tax Financial Planning

  • Finding the most tax-efficient strategies

  • Tax-advantaged retirement accounts

  • Maximizing tax deductions and credits

  • Structuring your investments to minimize taxable income

  • Income deferral strategies

  • Reducing tax during retirement

Islamic Estate Planning

  • Extremely essential for every Muslim living outside a majority-Muslim country

  • Children guardianship

  • Will vs. trust

  • Protection for wife, children, and special needs

  • Protection from disputes, spending, divorce, and creditors.

  • Power of attorney in case of incapacity

  • Medical advance directives with Islamic consideration

Charitable Financial Planning

  • Maximize the impact of your charitable giving

  • Minimizing your tax liabilities

  • Donating appreciated asset

  • Donor-Advised Funds

  • Qualified Charitable Distributions

  • Charitable trusts

  • Endowment

Insurance Financial Planning

  • What insurance do you need? Auto, home, umbrella, health, disability, long-term care, or life

  • How much insurance do you need

  • The right insurance policies

  • Islamic considerations

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