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One planning method, four kinds of help
Whatever brings you to us, you get the same review, the same written plan and the same two-adviser check. Then we focus on the part of your life that needs it most.
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.
- 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
Wealth management
Ongoing portfolio advice for families with N2.5 million or more invested. Built around your goals, held in your name, rebalanced every quarter and reported in plain English.
- A portfolio built for each goal, not one pot for everything
- Holdings in Treasury bills, bonds, Nigerian shares and dollar assets
- Quarterly rebalancing back to target
Education funding
From creche fees in Ajah to a master's degree in Manchester. We plan every child's education term by term, in naira and in dollars, so fees are ready before the bursar calls.
- A fees timeline for each child, nursery to university
- Fees priced with yearly increases and exchange rate assumptions
- Short-term money kept safe, long-term money invested for growth
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.
- 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
People who would rather plan than guess
Young families
Two incomes, small children and a long list of costs. We start with fees and an emergency fund.
Professionals
Doctors, engineers, lawyers and teachers with good income and no time to manage it.
Founders
Business owners who want company and family money working separately and well.
Nigerians abroad
Saving in pounds or dollars for a home, parents' care or retirement back home.
Which kind of help fits
Most clients begin with a one-off plan and move to ongoing advice once they have seen how we work.
| Plan (one-off) | Guide (ongoing) | Steward (ongoing) | |
|---|---|---|---|
| Written plan | Yes | Yes, updated yearly | Yes, updated yearly |
| Portfolio management | No | Yes | Yes |
| Quarterly report and call | No | Yes | Yes, with both advisers |
| Tax and estate coordination | No | Basic | Full, with your lawyer |
| Example fee | N150,000 once | 1.0% a year, min N250,000 | 0.75% above N50m |
Example rates for this demo. See fees for the estimator.
About our services
Can I use more than one service?
Yes. Most families combine education and retirement, and business owners usually add a personal plan. One fee covers the whole plan.
Do you sell insurance?
No. We review the cover you have and tell you what is missing, then you buy it directly. We take no commission.
How long does the first plan take?
About two weeks from your review, depending on how quickly we receive your documents.
Can we meet on a Saturday?
Yes, between 9 am and 1 pm by appointment, at the Ajah office or by video.
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.