About Us

KY&C Services Limited is a forward-looking company dedicated to empowering lives with knowledge and care. We operate across Education, Real Estate, Beauty & Wellness, and Social Impact, providing innovative solutions that add value to individuals and communities at different stages of life.

At the heart of our work is Thrive360, our flagship community platform, designed to help people prepare for and embrace retirement holistically—financially, socially, and emotionally.

Our Story

At KY & C Services Limited, we believe life's most important stages should be faced with confidence, not confusion. Our journey began with a simple idea: when knowledge is paired with genuine care, it can transform how people live and experience life.

That vision gave birth to Thrive360, our flagship community, where people can learn, share and prepare for life after work in a holistic way.

Our Commitment

At KY & C, every step we take is guided by one promise: to empower people with the tools, wisdom, and support they need - not just to survive life's transitions like retirement, but to truly thrive.

Our Philosophy

We see retirement not as the end of a career, but as the beginning of freedom — a time to invest in passions, nurture relationships, and live with intention. Preparing for that moment requires more than a pension plan. It demands financial clarity, emotional resilience, and physical vitality. Our work is guided by three core beliefs:

1. Preparation is empowerment
Knowledge gives people confidence to make better choices.

2. Well-being is holistic
Financial security means little without emotional and physical health.

3. Community is strength
No one should navigate retirement alone.

Our Mission

Through Thrive360 and our diversified services, we help people prepare holistically for retirement while delivering sustainable solutions in Education, real estate, wellness, and social impact

Our Vision

To build a world where retirement is not feared, but embraced - a thriving stage of life supported by knowledge, wellness, and care

Our Founder

Adaji Cynthia is the Founder and Chief Executive Officer of KY&C Services Limited, a company dedicated to empowering lives with knowledge and care. With over eight years of experience in the pension and financial services industry, she has built expertise in business development, retirement planning, and client engagement.

Cynthia holds an MBA and is currently pursuing a Postgraduate Diploma in Financial Engineering. Through Thrive360, KY&C's flagship community product, she leads efforts to redefine retirement by promoting holistic readiness—both before and after retirement—while also driving the company's broader impact in education, real estate, wellness, and social initiatives.

Our Services

Our Portfolio

Thrive360 Community Product

Holistic retirement readiness through financial literacy, wellness programs, housing solutions, and community support.

KY & C Education

Skills development, financial literacy, entrepreneurship training, and digital learning.

KY & C Real Estate

Affordable housing projects, retirement-friendly communities, and real estate investment advisory.

KY & C Beauty & Wellness

Skincare, grooming, holistic wellness centres, and preventive lifestyle management.

KY & C Foundation

Scholarships, youth empowerment, financial literacy outreach, and support for vulnerable retirees.

What We Do Differently

Unlike traditional financial advisory firms, our approach is integrated and human-centred. We combine:

Financial Literacy

Helping employees understand their passions, investment, and savings with practical clarity.

Emotional Support

Providing counselling and community-building so retirement feels like a transition, not a loss.

Health Awareness

Encouraging proactive physical wellness for long-term quality of life.

We design retirement readiness journeys, not just one-off training sessions. Our programmes are customised to each organisation and are grounded in real-life challenges and aspirations of employees.

Retirement Circle

Join our supportive community of peers sharing experiences, advice, and encouragement for a fulfilling retirement journey.

Contact Us

Have questions about our services or want to explore how we can support your journey? Call us directly at +2347032707572 or click the button below to send us a message. We're here to help—every step of the way.

Frequently Asked Questions

Here are some common questions about KY&C Services Limited and retirement readiness.

General Understanding

What is KY&C Services Limited and what does it do?

KY&C Services is a retirement readiness consultancy that supports individuals and organisations in preparing for retirement holistically — financially, emotionally, and physically.

Who can benefit from KY&C's services?

Our programs are designed for active employees approaching retirement, HR departments, and organisations seeking to support staff through life transitions.

How is KY&C different from traditional retirement planning services?

We go beyond pensions and savings — our approach includes emotional support, health awareness, and community-building to ensure retirees thrive in every aspect of life.

Program Details

What does a “retirement readiness journey” include?

It includes tailored workshops, counselling, wellness initiatives, and peer support circles — all designed to prepare individuals for the emotional, financial, and lifestyle shifts of retirement.

Are your services one-time sessions or ongoing support?

We offer structured, ongoing programs rather than one-off sessions. Our goal is to walk alongside clients throughout the transition.

Can KY&C work with organisations to design custom retirement programs?

Absolutely. We collaborate with employers to create bespoke retirement journeys that reflect the needs and aspirations of their workforce.

Financial Planning

Do you offer personal financial advice or investment services?

We provide educational workshops and clarity on pensions, savings, and investments — but we do not offer regulated financial advice or sell financial products.

Will you help me understand my pension options?

Yes. Our financial planning sessions demystify pension schemes and help you make informed decisions.

What kind of emotional support do you offer?

We provide access to counselling, peer support groups, and resources to help individuals navigate the psychological aspects of retirement.

How do you promote health awareness?

Through wellness workshops, fitness guidance, and proactive health education tailored to the needs of aging individuals.

Community & Engagement

What is the Retirement Circle?

It's a supportive community of retirees and near-retirees who share experiences, advice, and encouragement — fostering connection and purpose.

Is the Retirement Circle open to everyone?

Yes, anyone approaching or already in retirement can join. We welcome diverse backgrounds and experiences.

Getting Started

How do I enroll in a KY&C program?

You can contact us through our website or speak to your HR department if your organisation partners with KY&C.

Is there a cost to participate?

Costs vary depending on the program and whether it's employer-sponsored. We'll provide transparent pricing during your consultation.

Can I speak to someone before committing?

Of course. We offer free initial consultations to help you explore your options and find the right fit.

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