Advice for business owners
Company cash sitting idle. Staff pensions handled late. Family money and business money in the same account. We help founders put each naira in the right place.
Inside your business plan
- A treasury policy for company cash: what stays liquid, what earns
- Staff pension and group life arrangements reviewed
- A clear line between company money and family money
- A plan for the day you sell, hand over or step back
- Board-ready reports each quarter
From first conversation to steady progress
Every plan follows the same calm sequence, with a second adviser checking each step.
Cash flow review
We study twelve months of bank statements to see how cash really moves.
Treasury policy
A written policy on buffers, payroll cover and where surplus cash sits.
People and pensions
Staff pensions, group life and your own retirement checked together.
Owner's plan
Your personal goals planned alongside the business, never tangled with it.
Example: A logistics firm in Ajah
N65m average balance in a current account earning nothing. Plan: two months of payroll and fuel kept liquid, the rest in money market funds and Treasury bills, at example rates of 11% to 14% a year. Fee: N400,000 a year, example rate.
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.
Business questions
Still unsure?
Do you do bookkeeping?
No. We work alongside your accountant, who keeps the books and files returns.
Can you help with staff pensions?
Yes. We review your arrangements, help you choose providers and check contributions are paid on time.
We are a small firm. Is this for us?
If you keep more than N10 million in the business account for long periods, it is worth a conversation.
Do you lend money?
No. We advise only. We can help you prepare for conversations with lenders.
Other ways we help
Retirement planning
Your pension account is a good start. On its own it rarely pays for the retirement people picture. We work.
Read moreWealth management
Ongoing portfolio advice for families with N2.5 million or more invested. Built around your goals, held in.
Read moreEducation funding
From creche fees in Ajah to a master's degree in Manchester. We plan every child's education term by term, in.
Read moreStart 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.