It is important to save for your retirement now. You cannot afford to be a financial burden to your children of family in these tough economic times.

We offer expert advice to individuals to ensure that you save for your retirement whether employed, self employed or working in the informal sector through a wide range of pension plans.

We also assist employers who do not have registered funds for their employees comply with the new requirement NSSF Act 2013 by helping them identify and contribute  into a pension fund which is already registered by RBA, KRA and RBA.

Personal Pension – is a type of defined pension contribution. The individual chooses the provider and makes arrangements for their contributions to be paid. For individuals who have no workplace pension plan, getting a personal pension could be a good way of saving for retirement.

A personal pension plan has a tax relief. The contributor’s pension pot builds up in line with the contributions made, investment returns. a contributor may retire as early as age 55 or even on later than age 60 depending on individual preference. On retirement, the accumulated fund is available to purchase an annuity

An annuity- is a contractual financial product sold by financial institutions that is designed to accept and grow funds from an individual and then pay out a stream of payments to the individual. Annuities are designed to be a reliable means of securing a steady cash flow for an individual during their retirement years and to alleviate fears of longevity risk or outliving one’s assets or the annuitant outliving the purchase premium.

Income drawdown -seeks to offer financial freedom, flexibility and security in retirement planning. As an alternative to the annuity purchase, the income drawdown arrangement, offers a better alternative allowing retirees to adopt an investment profile that manages the risk and provides a guaranteed income flow, whilst also having their money invested to offer inflation protection over the long term.

Upon death any residual balance that remains when the retiree passes on, will be paid to beneficiaries.