Changing jobs without consolidating your retirement savings is one of the most common and costly financial oversights Kenyan workers make — accumulated funds are frequently left behind, stop growing, or are lost through administrative inaction. We assist individuals to transfer accumulated retirement savings from previous employer schemes, occupational pension funds, or NSSF accounts to a Personal Retirement Scheme or a new employer’s scheme — ensuring all contributions are preserved, consolidated, and continue to grow. A timely transfer at every job change protects your retirement security and prevents the compounding cost of dormant funds.