Plan the life you are saving for, one goal at a time.
School fees in five years. A house in Sangotedo. Retiring at sixty without leaning on the children. Kestrel advisers turn each goal into a monthly number you can live with, then help you invest for it, calmly and in plain English.
No commissions. No product targets. Example rates only, never promised returns.
School fees, 2031
Retire at 60
Home deposit, Sangotedo
Example figures for this demo.
How much a month, for how long, at what example rate.
Most people start with a vague worry. Our planner turns it into one number. Slide the target and the years and watch the monthly saving change. The full planner adds inflation, what you already have, three model portfolios and a chart you can take to your review.
- Targets grow with an inflation assumption you control
- Three model portfolios with example rates of 12%, 16% and 20% a year
- Add several goals and see one monthly total
- Send the plan to an adviser in one tap
Quick goal check
Balanced example rate of 16% a year, 12% inflation.
Example rates for illustration only. They are not promised returns: investments can fall as well as rise, and past performance is not a guide to the future.
Advice for each part of a Nigerian financial life
Four services, one planning method. Every client gets a written plan, a named lead adviser and a second adviser who checks the work.
Retirement planning
Your RSA is a start, not a plan. We work out the income you will want at sixty, what your pension may give, and how to close the gap without starving today.
Retirement
Education funding
Primary in Lekki, secondary in Ibadan, university in Leeds or Toronto. We plan in naira and dollars, term by term.
EducationWealth management
Portfolios of Treasury bills, bonds, Nigerian shares and dollar assets, built around your goals and reviewed every quarter.
WealthBusiness owners
Idle cash, staff pensions and keeping business and family money apart.
BusinessCalculators
Retirement gap, emergency fund and school fees abroad.
CalculateYour risk profile
Five questions to see which model portfolio may suit you.
Take the quizFour calm steps, then a check-in every quarter.
No sales pitch and no jargon. We earn our fee by listening first, writing things down and keeping you on course when markets or the naira wobble.
The review, 60 minutes
At our Ajah office or on a video call. We talk through your goals, income, family commitments and anything that keeps you up at night. The fee is N25,000 (example rate).
Your written plan, in two weeks
Each goal gets a target, a date and a monthly saving. We show the example rates we used and the risks, in plain English, in a document you keep.
Putting it to work
We open accounts in your name with licensed custodians and fund managers. Your money never sits with us. You see every naira on your statement.
Quarterly reviews
A short report and a call each quarter. A fuller review every year, or sooner when life changes: a new baby, a new job, a move abroad.
Three example portfolios, explained honestly
We use these as starting points in the planner. Your real portfolio is built in the review and can look different.
| Portfolio | Example rate used in planning | What it mostly holds | Bumpiness | Often suits |
|---|---|---|---|---|
| Conservative | 12% a year | Treasury bills, government bonds, money market funds | Low | Goals under 3 years, school fees due soon |
| Balanced | 16% a year | Fixed income plus Nigerian shares and some dollar assets | Medium | Goals 3 to 10 years away |
| Growth | 20% a year | Mostly shares and dollar assets, some bonds as ballast | Higher | Retirement or goals 10 years or more away |
Example figures for this demo.
Quiet confidence is the point
We had three children and three different ideas about school fees. Kestrel put it on one page with one monthly number. For the first time, my wife and I stopped arguing about money.
They told me plainly what they could not promise. That is why I trusted them with the rest. The quarterly calls are short and I always understand them.
As a business owner, my company cash and my family money were tangled. They separated it, set up staff pensions properly and gave me a plan for the next ten years.
Short reads for long-term money
Planning against naira inflation without panic
Why your goal should be priced in future naira, and what that does to the monthly number.
Saving for school fees in naira and dollars
A term-by-term way to think about fees at home and abroad.
Your RSA, and what should sit beside it
What a pension account can and cannot do for the retirement you want.
Before you book
The questions people ask most in the first five minutes. More on the questions page.
Do you hold my money?
No. Your investments sit in your own name with licensed custodians and fund managers. We advise and arrange, and you can see every holding on your statements.
How are you paid?
Only by you, through clear fees shown on the fees page. We take no commissions from fund managers or insurers, so we have no reason to push a product.
Can you promise a return?
No, and nobody honest can. We use example rates to plan, and we show you the range of outcomes so you can decide with open eyes.
I live outside Lagos. Can I still work with you?
Yes. About a third of our clients meet us by video call from Abuja, Port Harcourt, Uyo and abroad. Documents are signed electronically.
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.