Build the income you will actually live on later.
Retirement is funded by decisions made decades earlier. Whether you are employed, self-employed or running a scheme for staff, the earlier the structure is right, the less it costs.
Retirement Planning solutions we can put in front of you
Individual Pension Plans
For the self-employed, consultants, gig workers and anyone without an employer scheme. Flexible contributions with tax relief on qualifying amounts.
Personal Top-Up Plans
Add to an existing employer scheme so your replacement income at retirement is closer to what you earn today.
Occupational Schemes
Set-up and administration of staff retirement benefit schemes, including trustee support and member education.
Umbrella Schemes
A cost-effective, ready-governed scheme for SMEs that want to offer retirement benefits without running their own trust.
Annuities & Drawdown
Converting a retirement pot into a predictable monthly income, and weighing guaranteed annuities against drawdown flexibility.
Retirement Reviews
A clear read on whether your current contributions will actually deliver the retirement income you are picturing.
From first message to policy in place
No field visits unless you want one. Most retirement planning enquiries are handled end to end over WhatsApp, email and a short call.
- Tell us what you need
Send a short request or start a WhatsApp chat. No long forms, and no medical or financial details at this stage.
- We compare the options
We review suitable solutions from insurers and providers in the Kenyan market against your situation and budget.
- You get clear advice
A plain-language comparison of what is covered, what is excluded and what it costs — so you can decide, rather than be sold to.
- We handle the rest
Application, onboarding, documentation and renewals. And we stay reachable when it is time to claim.
Get a retirement planning quote
Two minutes, no obligation, and no sensitive details at this stage.
Retirement Planning: the questions we get most
Yes. Contributions to a registered retirement benefits scheme attract tax relief up to the limit set in law, and investment income within the scheme is treated favourably. The limits are revised from time to time, so we confirm the current position when preparing your plan.
For most people, no. NSSF is a floor rather than a full retirement income. A top-up or individual pension plan is what closes the gap between the statutory minimum and the lifestyle you are expecting.
Your accrued benefits remain yours. Depending on the scheme rules you can transfer them to your new employer’s scheme or into an individual arrangement, rather than cashing out early and losing the compounding.
As early as the contributions are affordable. Because returns compound, contributions made in your twenties and thirties do far more work than the same amounts made in your fifties.
Not sure where to start? That is exactly what we are for.
Tell us what you are trying to protect and we will come back with options that actually fit — in plain language, with no obligation.