Why Kenyan Portfolios Are Less Diversified Than They Look
Holding twelve counters on one exchange is not diversification. It is concentration with extra steps — and the arithmetic is worth understanding.
Victor Edwards · 1 min read
Personal Financial Planning
We help individuals take control of their money and build wealth with purpose.
About this service
Your Vision. Your Money. Your Future.
We help individuals take control of their money and build wealth with purpose.
What we do:
- Income & expense budgeting and lifestyle planning
- Debt management and payoff strategy
- Emergency fund, savings, and investment planning
- Retirement and education planning
- Insurance and risk cover review
- Goal-based plan (Land, Home, Business, Education)
Key benefits
What you get from working with us
Take Control of Your Money
Understand where your money goes and build a practical budget that supports your lifestyle and priorities.
Build Financial Security
Create a stronger foundation through debt reduction, emergency savings, insurance planning and disciplined saving.
Turn Goals into a Clear Plan
Translate goals such as buying land, owning a home, education or starting a business into achievable financial milestones.
Build Wealth with Purpose
Move beyond month-to-month finances with a structured 1–3–5 year plan for saving, investing and long-term wealth creation.
Who this is for
Who this service is built for
Employed professionals
Turn your regular income into a structured plan for managing expenses, reducing debt, growing savings and investing toward important life goals.
Entrepreneurs
Bring greater structure to your personal finances, balance business and household priorities, and build long-term wealth beyond your business.
Diaspora clients
Plan and manage your financial goals back home with greater clarity. From property and family commitments to investments, education and retirement.
The process
How this service works
Discover
We understand your income, expenses, debts, responsibilities, priorities and financial goals.
Assess
We review your current financial position and identify gaps, risks and opportunities for improvement.
Build Your Plan
We create a personalized 1–3–5 year financial roadmap covering budgeting, debt, savings, investments, protection and your key life goals.
Implement & Review
We help you put the plan into action and review your progress as your finances, goals and circumstances evolve.
Questions
Frequently asked questions
I already have a pension through my employer. Do I need anything else?
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.
Can you help me consolidate pensions from previous employers?
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.
How much money do I need to retire in Kenya?
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.
When should I start retirement planning?
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.
Is NSSF enough for retirement?
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.
Related insights
Further reading
Understanding NSSF Tier Two Contributions
What the tiered contribution structure means for your retirement position, and the questions worth asking your employer.
Maureen Odongo · 1 min read
How Large Should Your Emergency Fund Actually Be?
The standard answer is three to six months. The useful answer depends on how stable your income is and how quickly you could replace it.
Amina Said · 1 min read
Find out where you actually stand
Most people have never had the number calculated. It is usually the most useful hour they spend.
“The retirement model Esther built showed me I was eleven years short of where I assumed I was. Unpleasant to hear, and exactly what I needed.”
Important information
Investment involves risk. Content on this website is for general information and does not constitute a guarantee of returns. Speak to a VEO consultant for advice tailored to your circumstances.