From Debt to Dominion

VEO Consultancy operates as an independent advisory firm. Details of our regulatory status and registrations are available on request and are set out in our engagement letter before any advisory relationship begins.

We charge on a transparent fee basis — either a fixed fee for a defined piece of work such as a retirement plan, or an ongoing advisory fee for portfolio work. We do not receive commission from stock brokers and we will tell you the full cost before you commit to anything.

No. Your assets remain in accounts held in your own name with regulated custodians and brokers. We advise on those assets; we do not hold them.

A unit of stock for either local or foreign stocks

The first consultation runs about an hour. It is a genuine conversation about your circumstances and objectives, not a sales meeting, and there is no obligation to proceed afterwards.

Yes. Kenyan residents can hold foreign securities, and several routes are available. The practical considerations are platform access, custody arrangements, currency conversion costs and the tax treatment of foreign income — all of which we work through with you before you commit.

Foreign dividends generally attract withholding tax in the source country and may also be assessable in Kenya, with relief available under applicable double taxation agreements. We coordinate with your tax adviser rather than replacing them, since the treatment depends on your overall position.

No, and you should treat any adviser who does with considerable caution. Investment returns are uncertain, capital is at risk, and past performance tells you very little about future results. What we commit to is a documented process and honest reporting.

Portfolio clients receive a formal review quarterly, with a fuller annual assessment. We will also contact you outside that schedule whenever something material changes in a holding or in your circumstances.

Possibly not — but very few people have checked. The useful exercise is establishing what your existing arrangements will actually deliver against what you will need. Where there is no gap, we will tell you so.

Yes. Fragmented pension pots are common and frequently forgotten. We help you trace them, understand the terms of each, and assess whether consolidating is genuinely in your interest — sometimes it is not.

Not at all. A good number of coaching clients earn well and simply have no system — income arrives, is spent unclearly, and nothing accumulates. Coaching is about structure and habit, not rescue.

Many international brokers let you start with as little as fifty to one hundred dollars, and fractional shares mean you can own a piece of major companies without buying a full share.

All investing carries risk, but offshore diversification often reduces overall portfolio risk by spreading it across economies and currencies. We help you invest at a risk level you're comfortable with.

Tax treatment depends on the type of income and current KRA regulations. We walk you through the practical considerations and recommend consulting a tax professional for your specific situation.

You need a CDS account opened through a licensed stockbroker. We guide you through the process end to end — it can be done in days, and you can start with a modest amount.

The right stocks depend on your goals, timeline and risk tolerance — there is no universal "best." In your advisory session we build a shortlist matched to your plan, based on fundamentals rather than rumors.

Yes — many established NSE companies pay regular dividends, making local stocks a source of both growth and income. We help you build a portfolio that balances the two.

It depends on your intended lifestyle, location and health needs — but a common starting rule is targeting seventy to eighty percent of your current annual expenses per retirement year. In your session we calculate your personal number precisely.

The best time was your first payslip; the second-best time is today. Starting early lets compound growth do the heavy lifting — but even late starters can build meaningful security with the right plan.

For most people, statutory contributions alone won't sustain their current lifestyle in retirement. We help you build supplementary savings and investments to bridge the gap.

A coach focuses on your money behavior — budgeting, saving, debt and habits. An advisor focuses on investments and portfolios. At VEO you get both under one roof, so your coaching graduates naturally into investing.

Coaching delivers the biggest impact on modest incomes — because every shilling has to work harder. Most clients recover the cost of coaching through savings found in their first month's budget.