Smart Planning for a Secure Future

Take control of your financial journey with expert guidance

At Cedrelaucd, we believe everyone deserves financial security. Our workshops, tools, and personalized planning services help you build a solid foundation for your financial future. We transform complex financial concepts into actionable steps that empower you to achieve your life goals.

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Our Services

Comprehensive financial planning solutions tailored to your needs

Financial goal-setting workshop

Financial Goal-Setting Workshops

Our interactive workshops help you identify your financial priorities and establish clear, achievable goals. Through guided exercises and expert facilitation, participants develop personalized financial roadmaps aligned with their life aspirations. These workshops combine practical financial education with actionable planning techniques, ensuring you leave with tangible steps toward financial security. Sessions typically run 2-3 hours with follow-up support available for all participants.

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Retirement planning consultation

Retirement Planning

Secure your future with our comprehensive retirement planning services. We analyze your current financial position and future needs to develop a sustainable retirement strategy. Our approach considers multiple factors including inflation, healthcare costs, and longevity to ensure your retirement years are financially comfortable. We'll guide you through investment options, pension plans, and tax-efficient strategies specifically relevant to Ghana's economic environment.

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Household budgeting templates

Budgeting Tools & Templates

Take control of your household finances with our customizable budgeting templates. These practical tools help track income, expenses, and savings goals with user-friendly interfaces designed for financial clarity. Our templates accommodate various income levels and financial situations, making budgeting accessible to everyone. Each template comes with detailed instructions and ongoing support from our financial coaches. Regular updates ensure our tools remain relevant to economic changes.

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Investment advisory session

Investment Advisory

Navigate investment opportunities with confidence through our expert advisory services. We provide balanced guidance on investment options available in Ghana's market, with strategies tailored to your risk tolerance and financial objectives. Our advisors stay current with economic trends to offer timely recommendations for portfolio adjustments. Whether you're a beginner or experienced investor, we provide clear explanations of investment concepts and potential outcomes to support informed decision-making.

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Debt management consultation

Debt Management

Develop effective strategies to reduce debt and improve your financial health. Our debt management programs analyze your current obligations and create structured plans for systematic debt reduction. We negotiate with creditors when possible and provide ongoing support throughout your debt-free journey. Educational components help clients understand credit systems and avoid future debt accumulation. Our approach emphasizes sustainable financial habits that support long-term stability.

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Estate planning session

Estate Planning

Ensure your legacy with comprehensive estate planning services. We guide you through the process of organizing your assets and establishing clear directives for future asset distribution. Our specialists help navigate Ghana's inheritance laws and develop strategies to minimize estate taxes and complications for your beneficiaries. This service includes will preparation, trust considerations, and power of attorney arrangements. Regular review sessions help keep your estate plan current with life changes.

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Our Process

How we help you achieve financial security

1

Initial Consultation

We begin with a comprehensive discussion about your current financial situation, goals, and concerns. This foundational meeting helps us understand your unique circumstances and establish a personalized approach to your financial planning. We explore your income sources, existing assets, debt obligations, and future aspirations to build a complete financial picture. This consultation typically lasts 60-90 minutes and is conducted in a confidential, judgment-free environment.

2

Financial Assessment

Our expert team conducts a thorough analysis of your financial documents, spending patterns, and savings habits. We identify strengths and areas for improvement in your current financial management. This assessment includes calculating your net worth, evaluating your debt-to-income ratio, analyzing your investment portfolio if applicable, and reviewing insurance coverage. The resulting report provides a clear snapshot of your financial health and serves as a baseline for measuring future progress.

3

Strategy Development

Based on our assessment findings and your stated goals, we create a customized financial strategy that addresses your specific needs. This comprehensive plan includes actionable steps for budgeting, debt management, savings acceleration, and investment opportunities. We consider both short-term objectives and long-term security, incorporating Ghana's economic environment and available financial products. Each strategy includes contingency planning for unexpected life events and flexible approaches that can adapt to changing circumstances.

4

Implementation Support

We don't just create plans – we help you put them into action. Our team provides practical guidance for executing your financial strategy, including setting up necessary accounts, establishing automatic savings systems, and initiating investment vehicles. We offer workshops and one-on-one coaching sessions to build your financial management skills and confidence. Our support includes providing tools and templates for tracking progress and making financial decisions. Throughout implementation, we remain available to answer questions and address concerns.

5

Regular Review & Adjustment

Financial planning is an ongoing process that requires periodic review and refinement. We schedule quarterly or semi-annual check-ins to evaluate your progress, celebrate achievements, and adjust strategies as needed. These reviews account for changes in your life circumstances, financial goals, or market conditions that may affect your plan. We update projections, reassess risk tolerance, and make recommendations for optimizing your approach. This continuous engagement ensures your financial plan remains relevant and effective throughout your life journey.

6

Long-term Partnership

We believe in building lasting relationships with our clients, serving as your financial allies throughout life's transitions. As you progress through different stages – career advancement, family expansion, property acquisition, or retirement preparation – our team provides consistent support and evolving expertise. We offer continuing education through newsletters, webinars, and exclusive client events to keep you informed about financial trends and opportunities. Many of our clients have been with us for decades, trusting us to guide their financial decisions through life's journey.

Our Impact

Helping individuals and families build financial security

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Clients Served

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Workshops Conducted

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Years of Experience

Meet Our Expert Team

Dedicated professionals guiding your financial journey

Financial advisor portrait

Samuel Owusu

Chief Financial Advisor

With over 20 years of experience in financial planning and investment management, Samuel leads our advisory team with exceptional insight and integrity. He specializes in retirement planning strategies and wealth preservation techniques specifically adapted to Ghana's economic environment. Samuel holds advanced certifications in financial planning and regularly contributes to financial education initiatives throughout West Africa. His client-centered approach emphasizes clear communication and personalized solutions.

Workshop facilitator portrait

Grace Mensah

Workshop Facilitator

Grace brings vibrant energy and clarity to our financial workshops, making complex concepts accessible to participants of all backgrounds. Her expertise in adult education and financial literacy creates engaging learning experiences that inspire action. With a background in economics and psychology, she understands both the technical and emotional aspects of financial decision-making. Grace has developed our signature workshop methodology that combines practical exercises with personalized coaching elements.

Investment specialist portrait

Daniel Agyei

Investment Specialist

Daniel monitors market trends and investment opportunities to provide our clients with sound guidance for portfolio development. His analytical approach and extensive knowledge of both local and international markets inform his balanced investment recommendations. With certification in financial analysis and previous experience at a leading Ghanaian bank, Daniel brings valuable institutional insight to individual investment planning. He specializes in creating diversified investment strategies that align with clients' risk tolerance and financial objectives.

Financial Resources

Tools and templates to support your financial journey

Household budget template

Household Budget Template

Our comprehensive household budgeting template helps you track income, expenses, and savings with intuitive organization and automatic calculations. Designed specifically for Ghana's economic context, this template accounts for local expense categories and seasonal financial patterns. The user-friendly interface works with common spreadsheet applications and includes guidance notes for effective implementation. Regular updates incorporate feedback from users and adjustments for economic changes.

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Retirement savings calculator

Retirement Calculator

Plan for your retirement with our specialized calculator that estimates future needs based on current savings, expected expenses, and inflation projections. This tool incorporates Ghana's pension system variables and typical retirement scenarios to provide realistic planning parameters. Interactive features allow you to adjust inputs and immediately see how changes affect your retirement readiness. Detailed explanations accompany each calculation to help you understand the implications for your financial strategy.

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Financial goal checklist

Financial Goal Checklist

Track your progress toward financial milestones with our structured checklist that organizes goals by timeframe and priority. This practical tool helps maintain focus on both short-term objectives and long-term aspirations, with space to document achievements and next steps. The checklist includes prompts for common financial goals and guidance for developing personalized targets. Regular review of this document helps maintain momentum and celebrate progress in your financial journey.

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Recommended Financial Resources

Valuable external resources to complement your financial education

Bank of Ghana

The official website of Ghana's central bank provides important information on monetary policy, financial regulations, and economic indicators relevant to your financial planning.

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National Pensions Regulatory Authority

Learn about Ghana's pension systems, regulations, and retirement planning considerations from the official regulatory authority.

Visit Website

Ghana Investment Promotion Centre

Explore investment opportunities and economic development initiatives in Ghana that may impact your financial planning and investment decisions.

Visit Website

Client Testimonials

Hear from those who have transformed their financial future

Client testimonial portrait

"The retirement planning workshop completely changed my perspective on preparing for the future. The Cedrelaucd team made complex financial concepts easy to understand and provided me with practical tools I use daily. Within six months of implementing their suggestions, I've increased my monthly savings by 30% and feel much more confident about my financial security. Their personalized approach addressed my specific concerns as a small business owner planning for retirement."

- Abena Koranteng, Kumasi

★ ★ ★ ★ ★
Client testimonial portrait

"As someone who struggled with budgeting for years, the household templates provided by Cedrelaucd have been transformative. They're intuitive, comprehensive, and adaptable to my specific financial situation. The ongoing support from their team has helped me stay accountable to my financial goals. In just one year, I've eliminated my credit card debt and established an emergency fund for the first time. I appreciate their non-judgmental approach and practical guidance."

- Kwame Osei, Kumasi

★ ★ ★ ★ ★
Client testimonial portrait

"My wife and I attended the financial goal-setting workshop as newlyweds, hoping to establish healthy financial habits from the start of our marriage. The insights and practical strategies we gained have helped us align our financial priorities and communicate effectively about money matters. The personalized planning session that followed the workshop helped us create a realistic roadmap for our shared goals, including home ownership and future education expenses for our children."

- Daniel & Sarah Adjei, Kumasi

★ ★ ★ ★ ★

Financial Insights

Latest articles and tips for your financial wellbeing

Retirement planning article

June 15, 2025

5 Essential Steps to Prepare for Retirement in Ghana

Planning for retirement requires strategic thinking and consistent action, particularly within Ghana's evolving economic landscape. This comprehensive guide outlines five foundational steps to build retirement security, including maximizing pension contributions, developing diversified investment portfolios, and creating passive income streams. We also address healthcare planning and estate preparation as essential components of a complete retirement strategy.

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Budgeting strategies article

May 22, 2025

Effective Budgeting Strategies for Uncertain Economic Times

Economic fluctuations present unique challenges for household financial management. This article explores adaptive budgeting techniques that provide stability during periods of uncertainty, including priority-based budgeting, strategic emergency fund development, and flexible spending categories. We provide practical implementation steps for each strategy and discuss how to maintain financial discipline while allowing for necessary adjustments as economic conditions change.

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Investment options article

April 8, 2025

Understanding Investment Options in Ghana's Current Market

Ghana's investment landscape offers diverse opportunities for wealth building, each with unique risk and return profiles. This detailed analysis examines current options including government securities, mutual funds, real estate, and emerging opportunities in Ghana's growing sectors. We compare historical performance, discuss regulatory considerations, and provide guidance for building investment portfolios aligned with different financial goals and time horizons.

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Contact Us

Have questions about our services or want to schedule a consultation? Reach out to our team for personalized assistance with your financial planning needs.

Visit Us

33 Asafo Road, Kumasi, Ghana

Call Us

+233 32 203 1179

Email Us

[email protected]

Map showing location of Cedrelaucd office in Kumasi

Office Hours

  • Monday - Friday: 8:00 AM - 5:00 PM
  • Saturday: 9:00 AM - 1:00 PM
  • Sunday: Closed

Our History

Building financial security for Ghanaians since 2008

2008

Cedrelaucd was founded by a team of financial professionals committed to improving financial literacy in Ghana. Starting with a small office in Kumasi, we began offering basic financial planning workshops to local community groups and businesses. Our founding mission was to make financial education accessible to everyday Ghanaians and provide practical tools for financial improvement.

2012

Expanded our services to include personalized retirement planning consultations and developed our first comprehensive household budgeting template specifically designed for Ghana's economic environment. This period marked our transition from general financial education to more specialized financial planning services. We also established partnerships with several local businesses to provide financial workshops for their employees.

2015

Relocated to our current office at 33 Asafo Road and grew our team to include specialists in investment management, debt reduction, and estate planning. This expansion allowed us to offer comprehensive financial services addressing all aspects of personal financial management. We also introduced our quarterly financial literacy newsletter that reached over 5,000 subscribers throughout Ghana.

2018

Celebrated our 10th anniversary by launching our signature "Smart Planning for a Secure Future" workshop series, which has since been conducted in multiple cities throughout Ghana. This milestone year also saw the introduction of our digital resources library and online financial planning tools. We established a scholarship program to train new financial advisors with a focus on serving underrepresented communities.

Present

Today, Cedrelaucd continues to evolve with Ghana's changing economic landscape, developing new resources and strategies to help our clients navigate financial challenges and opportunities. We remain committed to our founding mission of financial empowerment through education and personalized guidance. Our team now includes 15 financial professionals serving over 1,200 active clients, with a satisfaction rate consistently above 90%.