Five planning pillars. One peaceful mind.
Whether you're protecting school fees, building wealth, or planning retirement, every plan May builds is tailored to your real life, your real income, and the people you love most.
Education Planning
Lock in your children's school fees from creche to university — even if life takes an unexpected turn. Build a fund that grows on its own and is guaranteed to be there when each term arrives.
What it covers
- • School-fees planning — match every term, primary through senior secondary, in a structured fund.
- • University funding — including international universities in the UK, US, Canada.
- • Future education protection — if anything happens to the parent, the plan keeps paying.
Benefits
- School fees are guaranteed, term after term — no scrambling.
- Beats naira inflation on tuition costs over the long run.
- If anything happens to you, the plan keeps running for the children.
- Diaspora-friendly: pay in $/£, fees paid in ₦ back home.
Common Mistakes
- Saving in a regular bank account and watching the naira eat it.
- Starting too late — the cheapest day to start was yesterday.
- Underestimating university costs (especially abroad).
- Assuming "family will help" — until family also gets stretched.
Recommended Next Step
Take the Family Protection Audit. We'll calculate the right monthly amount based on the number of children, current age, and your school-fees goal.
📋 Take the Free AuditFamily Protection
If anything ever happens to you, your family receives a lump sum — millions of naira — to keep the house running, settle debts, pay school fees, or start a business. This is the plan that stops a family tragedy from becoming a financial one.
What it covers
- • Life protection — your nominated beneficiaries receive a guaranteed lump sum.
- • Family financial security — covers debts, school fees, mortgage, day-to-day life.
- • Optional riders — critical illness, accident, hospitalisation add-ons.
Benefits
- Your family stays standing if you're not there to provide.
- Pay-out is tax-efficient and goes directly to beneficiaries.
- Premiums lock in at your current age — cheaper today than tomorrow.
- You can adjust cover as your responsibilities grow.
Common Mistakes
- Relying only on the small employer life cover — it ends when the job does.
- Believing "my family will manage" — for how long, exactly?
- Not naming or updating beneficiaries after marriage / new children.
- Waiting until you "feel" you can afford it — premiums rise with age.
Recommended Next Step
Book a free 15-minute strategy session. May will calculate the right cover amount based on your dependents, income, and existing debts.
📅 Book Strategy SessionIncome Protection
Death is not the only thing that stops income. Illness, accident, surgery, redundancy — all can pull the floor out. Income protection replaces a portion of your monthly income so the bills don't stop when the salary does.
What it covers
- • Monthly income replacement — during illness, accident, or extended recovery.
- • Critical illness lump sum — for major diagnoses like cancer, heart attack, stroke.
- • Disability cover — if you cannot continue your current work.
Benefits
- Money keeps coming in even when you cannot work.
- You don't drain your savings or family wealth during recovery.
- You don't have to return to work too early and worsen your health.
- Independence and dignity are preserved.
Common Mistakes
- Assuming "savings will hold us" — they rarely last beyond 3 months.
- Ignoring it because "I'm healthy" — that's exactly when it's cheapest to buy.
- Self-employed people thinking it doesn't apply — they need it most.
- Underinsuring because the premium "feels high" upfront.
Recommended Next Step
Talk to May about a layered plan — income protection + critical illness + life cover together usually costs less than people expect.
📅 Book Strategy SessionWealth Building
Disciplined long-term savings and investment plans, structured to beat naira inflation and grow real wealth — without the volatility of crypto or the slow death of a regular savings account. Most plans come with life cover built in.
What it covers
- • Structured savings plans — monthly contributions managed professionally.
- • Investment-linked plans — exposure to growth assets with risk management.
- • Bundled life cover — wealth building AND family protection in one product.
Benefits
- Money grows faster than a bank savings account.
- Disciplined monthly contributions force the habit.
- Life cover is bundled in — two benefits, one premium.
- Flexible — pause, top-up, or change beneficiaries as life shifts.
Common Mistakes
- Chasing crypto / forex / Ponzi schemes for "fast" returns.
- Hoarding naira in a current account — it loses value yearly.
- Starting too small and never increasing as income grows.
- Mixing savings with daily expenses — no real growth happens.
Recommended Next Step
The Multi Payment Plan is May's most-recommended wealth product for Nigerian families. Book a session to see the exact numbers for your situation.
📅 Book Strategy SessionRetirement Planning
Build the kind of financial independence that lets you retire on your terms — not your employer's, not the government's, not your children's. A real plan you fund every month, that pays you back when work is no longer the answer.
What it covers
- • Long-term retirement savings — structured contributions over 15–30 years.
- • Annuity-style pay-outs — convert your fund into a steady income at retirement.
- • Legacy planning — what's left passes to your beneficiaries.
Benefits
- You're not dependent on family or government in old age.
- Compounding works for you — the earlier, the bigger.
- You can retire on YOUR timeline, not somebody else's.
- Whatever is left becomes a real inheritance for your children.
Common Mistakes
- Relying only on a government pension or company gratuity.
- Starting in your 40s or 50s — the math gets brutal.
- Assuming children will "take care of you" — that's pressure they didn't sign up for.
- Not factoring in 25–30 years of post-retirement life.
Recommended Next Step
May will run a retirement income projection for you — based on your current age, target retirement age, and desired monthly income.
📅 Book Retirement ProjectionStart with the free 3-minute audit.
It identifies your biggest gaps and tells you exactly which pillar to start with — no guessing.