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Plan with Nella
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Service · Retirement & Pension Planning

Retire on your terms.

Turn steady contributions today into an income you can rely on when the payslips stop.

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An older Kenyan couple walking together through their shamba in the late afternoon, relaxed and smiling.
Who it's for

It is never too early, or too late.

Employees

Top up your employer scheme so retirement income matches the life you want.

Self-employed & business owners

No employer pension? Build your own, with contributions that flex with your income.

Over 40 and catching up

It's not too late. We'll make the most of the years you have left to save.

What's covered

What a retirement plan can include.

Exact benefits depend on the ICEA LION plan you choose. I'll go through every one with you.

Confirm against ICEA LION product sheet
  • Long-term growthContributions invested over the years, with returns added to your account.
  • Tax reliefContributions to a registered pension plan may qualify for tax relief within KRA limits.
  • Flexible contributionsRegular or one-off contributions by M-PESA, bank or check-off.
  • Income in retirementOptions to take part as a lump sum and turn the rest into a regular income.
Why it matters

Your future self will thank you.

Many Kenyans plan to rely on children, rental income or a plot upcountry when they retire. Those can all help, but they are not guaranteed. A dedicated retirement plan means the money is set aside, growing, and ready when you need it, so you can enjoy your later years on your own terms.

Illustrative scenario, not a real client.
How it works

Three simple steps.

  1. Picture your retirement

    When you want to stop working, where you want to live and what that will cost.

  2. Build the plan

    We choose a plan and a contribution that fits your income today.

  3. Stay on track

    Yearly statements and reviews with me, adjusting as your life and income change.

Questions

Retirement & Pensions FAQs.

Can't see yours? Send me a WhatsApp. I usually reply the same day.

How much should I save for retirement?
It depends on when you want to retire, what you already have and the income you want. In our first conversation we will work out a realistic target.
I already have an employer pension. Do I need another?
Not always. But many employer schemes alone will not replace enough of your income. I can help you check whether a top-up makes sense.
Can I access my money before retirement?
Rules depend on the plan and on Retirement Benefits Authority regulations. I will explain exactly what applies before you start.
Are returns guaranteed?
No. Investment returns can go up and down. I will explain how the plan is invested and the risks involved.
Your next step

Let's build your plan together.

A free, friendly conversation. No pressure, no jargon, no obligation.

Book a Free Consultation Chat on WhatsApp