Retirement planning
Your pension account is a good start. On its own it rarely pays for the retirement people picture. We work out the income you will want, what your RSA may give, and how to close the gap.
Inside your retirement plan
- A retirement income target in today's and future naira
- A review of your RSA balance, contributions and fund choice
- A plan for voluntary contributions and other savings beside your pension
- Where to live, health costs and support for parents, priced in
- A drawdown plan for the first ten years of retirement
From first conversation to steady progress
Every plan follows the same calm sequence, with a second adviser checking each step.
Your picture of retirement
Where you want to live, what a normal month costs, who you still support.
What you already have
RSA statements, property, savings and any business you could sell.
The gap and the plan
One monthly figure, split across your pension and other accounts.
Quarterly steering
We check progress and adjust as salary, family and markets change.
Example: Mrs A, 42, teacher turned school owner
Wants N250,000 a month in today's money from 60. Her RSA is projected to cover about a third. Plan: N148,000 a month across voluntary pension contributions and a balanced portfolio, at an example rate of 16% a year, rising with her income.
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.
Retirement questions
Still unsure?
Can I add to my RSA?
Yes. Voluntary contributions can go into your pension account alongside your employer's. We show where extra money works best for you.
What if I am self-employed?
You can open a pension account and contribute directly. Many of our business-owner clients do, alongside other investments.
Is it too late at 55?
It is never too late to plan. The plan looks different: more focus on income, less on growth, and often a later or phased retirement.
Will you manage my RSA?
Your pension fund administrator manages it. We advise on fund choice and contributions and keep it in the plan.
Other ways we help
Wealth 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 moreBusiness owners
Company cash sitting idle. Staff pensions handled late. Family money and business money in the same account..
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.