Home / Fees
One page, no commissions, no surprises
You pay us, and only us. Here is every fee we charge, an estimator for ongoing advice, and how to pay. All figures are example rates for this demo.
Three ways to work with us
Start with a review. Then choose a one-off plan or ongoing advice.
Planning review
N25,000
60 minutes in Ajah or by video. Deducted from your plan fee if you go ahead.
Book a reviewPlan, one-off
N150,000
A written plan for every goal, delivered in about two weeks, with one follow-up call.
Guide and Steward
1.0% a year
Ongoing advice and portfolio management, minimum N250,000 a year. Steward: 0.75% on amounts above N50m.
Estimate my feeExample rates for this demo. VAT is added where it applies.
What would ongoing advice cost?
Slide to your total invested amount. The estimate uses our example fee scale.
What each fee includes
| Included | Review | Plan | Guide | Steward |
|---|---|---|---|---|
| Goals conversation | Yes | Yes | Yes | Yes |
| Written plan | Summary note | Full plan | Full plan, yearly | Full plan, yearly |
| Portfolio management | No | No | Yes | Yes |
| Quarterly report and call | No | No | Yes | Yes |
| Tax and estate coordination | No | No | Basic | Full |
| Business treasury | No | No | Add-on from N400,000 | Included |
Fees you will never see from us
- Commissions from fund managers or insurers
- Entry or exit fees on investments we recommend
- Charges for phone calls or WhatsApp questions
- Performance fees that reward risk-taking
- Penalties for leaving: give us 30 days notice and you go
How to pay
Pay by bank transfer, card or POS at the office. Online payments go through Receivly, and each payment matches itself to your account in our COVORN dashboard.
- Bank transfer with your client reference
- Card through the Receivly checkout
- POS at the Ajah office
- Ongoing fees billed quarterly, never taken without notice
Fee questions
Why charge a fee for the review?
Because it is real work: an hour with an adviser and a written summary. It also means you are not being sold to. The fee comes off your plan if you continue.
Is the percentage on the whole amount?
Guide is 1.0% on the amount we advise on, with a minimum. Steward charges 0.75% only on the part above N50m.
Are fund charges extra?
Yes. Funds have their own running costs, which we show you in naira before you invest, and we prefer low-cost options.
Can I pay monthly?
Plan fees can be split into two payments. Ongoing fees are billed quarterly.
Start with a planning review
Sixty minutes with an adviser at our Ajah office or on a video call. We look at your goals, your cash flow and what you already own, then write it up. The N25,000 review fee comes off your plan fee if you go ahead.