Financial Planning

Financial Planning Service

We offer financial planning service to our client in a very private and confidential manners. We assist you in developing portfolios that sweat your moneys, ensuring that your lifestyle, long term plans, risk appetite are considered.

We boasts of tax experts, stockbrokers, lawyers,investment advisers and also maintain relationships with third parties to ensure you get best results.

Your advisers will first carry out a comprehensive review of your personal circumstances and use this knowledge to create a successful wealth development strategy, from short-term high-yield investments to the long-term security of pensions.

The array of Financial Planning Service

Tax planning: We help clients address certain tax issues, maximize their potential tax returns and minimize tax liability, tax returns and filing of annual tax returns.

Estate planning: Estate planning seeks to make things a bit easier for your loved ones after you die. Preparing a will may be part of a financial planner’s services. Estate planning also helps prepare for any estate tax you may be subject to.

This service include working with Lawyers to prepare wills, create trusts to be managed by Trustees for the benefits of the Beneficiary. Types of Trust include:

  1. Living Trust

A living trust, also known inter-vivos trust, is one made by a trustor (grantor) during his or her lifetime, with assets or property intended for the individual’s use during their lifetime. This type of trust allows the trustor to benefit from the trust while alive, but passes the assets and property on to a beneficiary (using a trustee) upon their death. With a living trust, you are generally able to avoid probate court, provided the trust is funded

  1. Testamentary Trust

A testamentary trust, often called a will trust, is an agreement made for the benefit of a beneficiary once the trustor has died, and details how the assets must be endowed after their death. This type of trust is often instituted by an executor, who will manage the trust for the trustor’s decedents after their will and testament has been created. And, a testamentary trust is irrevocable (cannot be changed or altered).

  1. Revocable Trust

A revocable trust, like a living trust, is created during the trustor’s lifetime. It is able to be changed, terminated, or otherwise altered during the trustor’s lifetime by the trustor themselves. It is often set up to transfer assets outside of probate. In this case, all three parts of the arrangement (the trustor, trustee  and beneficiary) are often the same person who can manage their own assets, but will be given over to a successor trustee and other beneficiaries upon the original trustor’s death.

  1. Irrevocable Trust

On the contrary, an irrevocable trust is one that a trustor (grantor) cannot change or alter during his or her lifetime or that cannot be revoked after his or her death. Because this type of trust contains assets that cannot be moved back into the possession of the trustor, irrevocable trusts are often more tax efficient – with little to no estate taxes at all. For this reason, irrevocable trusts are often the most popular as they transfer assets completely out of the trustor’s name and into the next generation or beneficiary’s name. However, a living trust can be either revocable or irrevocable based on its specifications.

  1. Funded or Unfunded Trust

Funded or unfunded trusts are trust agreements that either have funds (assets) put into them or do not. These trusts can become funded at any point, either during the life or after the death of the trustor.

  1. Credit Shelter Trust

A credit shelter trust, also known as a bypass trust or a family trust, is a trust fund that allows the trustor to grant the recipients an amount of assets or funds up to the estate-tax exemption. Basically, this allows the trustor to give a spouse or family member the remainder of the estate tax free. These kinds of trusts are often very popular due to how the estate remains tax free forever, even if it grows in size.

  1. Insurance Trust

An insurance trust allows the trustor to combine their life insurance policy within the trust, keeping it free from taxation on the estate itself. This kind of trust is irrevocable and doesn’t allow the trustor to change or borrow against the life policy itself, but allows the life policy to help pay for post-death expenses on the estate.

  1. Qualified Terminable Interest Property Trust

A qualified terminable interest property trust is (first of all, a mouthful) a trust that allots assets to different beneficiaries at different times – often in the pattern of being directed to a spouse upon the trustor’s death, and subsequently to children after the spouse’s death. In this case, the children of the original trustor would receive whatever estate was left after the trustor’s spouse’s death.

  1. Charitable Trust

A charitable trust is a trust that has a charity or non-profit organization as the beneficiary. In normal cases, this type of trust would be built up during the trustor’s lifetime and, upon their passing, be doled out to a charity or organization of the trustor’s choosing, avoiding or reducing estate taxes or gift taxes. A charitable trust could also be part of a normal trust, wherein the trustor’s children or inheritors would receive part of the trust upon their passing, with the remainder of the estate going to the charity.

Uses of a Trust

There are many different uses of a trust, whether it be to manage the trustor’s assets during life or after death, or provide a less-taxed, easier way to endow estates to the beneficiary(ies). Depending on the terms of the particular agreement, a trust can also provide a way for trustors or grantors to benefit during their lifetime as well.

Additionally, trusts are often used to manage property, assets, or estates being held for a minor or person incapable of being financially accountable until that person be deemed able to manage the assets themselves.

Our Financial Plannning Boutique Services

Retirement planning: Our Retirement Planning Service offered as part of Financial planning help you to be able to maintain lifestyle even in your retirement. We help you in ensuring that during your working time, you have saved enough such that the returns in your savings will be enough to guarantee your post retirement lifestyle is maintained.

Philanthropic planning: Our Financial Planning Services support your charitable donation causes ensuring that you get all tax benefits while you are able to support those need it.

Education funding planning: If you have children or other dependents who wish to pursue a college degree, you may want to help them to pay for it. Financial planning can help make sure you are able to do so.

Investment planning: We help you with your investment portfolio by mapping , assets allocation and choice of investment, taking into cognizance your risk appetite and your goals

Insurance planning:

We support and make insurance recommendation to our clients on their insurance needs to protect and also as an investment window. This includes, business insurance, life insurance, medical insurance, Property Insurance etc.

Budgeting: We support our clients with a robust budget of their income and expenditure ensure that they don’t over spend given a particular level of income.

Savings and investments: Our Clients enjoy advisory on savings and investment windows available both locally and internationally.

Real Estate Investment/Property Purchase: We offer our client with the support of thirdparties advisory on Real Estate Investments and Property Purchase. Our advisory covers risks, returns, appropriate pricing, payback periods, searches etc.

What Is Financial Planning?

Financial Planning is the business of drawing up a plan for your financial future that is tailor-made to your individual circumstances. An evaluation of our client’s current financial situations, its goals and plans of achieving them is put in the plan with plans to implement them.

Our Approach to Financial Planning


We will seek and understand your objectives, priorities, investment horizon and risk tolerance. We will explain to you the best way to go about investing for your situation, making sure you understand the different challenges that lie ahead.

Your role:

Provide all relevant documents and pertinent information to us

Understand how the decisions you make today will influence your life tomorrow

Ask questions

Grasp the challenges of investing, such as the risk-reward ratio and the importance of time and patience.


We will perform a detailed analysis of your situation and develop a personalized action plan to help you reach your objectives. We will evaluate the feasibility of your projects over the short, mid and long terms, while factoring in your lifestyle, budget, investments, taxes, insurance, retirement, etc.

The Personalised plan will direct on your savings and return rates according to your current assets so as to reach the level of wealth you will need at precise moments of your life.

Develop an investment objectives document which will define the criteria that will dictate the composition and management of your portfolio.

Your role:

Establish your objectives and define, with your advisor, every parameter that should be considered when making investment and wealth management decisions

Evaluate the proposed plan with your advisor, making sure that you are comfortable with every aspect it contains.


We will evaluate the different solutions that can help you meet your needs. We will discuss several approaches that can enhance the value of your portfolio by tapping into financial markets’ potential.

Your role:

Understand and evaluate each solution we provide

Confirm your choices

Maintain an open line of communication with your advisor and the different experts involved (e.g., notary, lawyer, accountant, tax expert, etc.)


We closely monitor the financial markets and economic environment. With time, we  assess, with the impact of changes in the market on your wealth and to adjust your plan accordingly, by starting the 4-step process over again.

Your role:

Regularly monitor changes in your situation and communicate them promptly to us  so that we can help you adjust your personalized plan

Carefully read all the documents you receive, including your portfolio statement

Regularly monitor changes in your situation and communicate them promptly to us so that we can help you adjust your personalized plan

Carefully read all the documents you receive, including your portfolio statement

To learn more about how we can help you, please contact us or Call/Whatsapp 08023200801