Our approach
From the first risk map to the final structure, every Mintmvivid engagement follows a disciplined, long-term framework — not a product catalogue.
Before any instrument is selected, we conduct a structured risk inventory. We look at income concentration — how many revenue sources feed your household or business, and what happens if the primary one pauses for twelve months. We look at asset-liability mismatches: property held in personal names while debt sits in a company, or liquid savings in currencies that do not align with long-term spending obligations. We look at generational exposure — what happens to ownership of a family business if the founder becomes incapacitated tomorrow. This diagnostic typically surfaces two to four critical gaps that simpler advisors miss entirely, and it forms the architecture of everything that follows.
Each instrument is selected and sized to close a specific gap identified in your risk inventory.
Correctly structured life cover separates personal from business risk, funds buy-sell agreements, and ensures liquid capital is available to heirs without probate delay. We model the exact sum assured your situation requires — not a round number from a brochure.
A serious diagnosis can halt income for one to three years. We calculate the shortfall, identify the insurer whose definitions and claim history best suit your risk profile, and build this cover into the broader structure so premiums are efficient.
Endowment policies combine a guaranteed maturity value with life cover, making them useful for school-fee planning, retirement bridging, and estate liquidity. We pair them with complementary instruments so the portfolio is never over-concentrated in a single product type.
A discretionary trust or a purpose-built holding company can remove assets from personal estates, provide for vulnerable beneficiaries, and create a clear succession path. We co-ordinate with legal counsel on formation and ensure ongoing compliance requirements are manageable.
For clients with existing investment portfolios, we introduce a risk-management overlay — rebalancing thresholds, drawdown limits, and currency hedges — that protects accumulated value without requiring constant tactical intervention.
No structure leaves our desk without a written stress-test. We model three scenarios: a sustained income interruption, a severe market drawdown, and a contested succession event. Each scenario is run against the proposed protection layers to verify that the client's core living standard and the intended estate transfer are preserved in all three cases. If any scenario produces an unacceptable outcome, we revise the structure before presenting it. This process adds two to three weeks to an engagement, and clients consistently tell us it is the part that gives them the most confidence.
We work with clients whose investable and insurable assets are above KSh 5,000,000 in total. Below that threshold, the cost of structuring tends to outweigh the benefit, and we will say so honestly at the first call rather than take on an engagement that is not right for you.
A standard engagement — risk inventory, structure design, product selection, and implementation — takes eight to fourteen weeks. Complex multi-entity structures or cross-border elements can extend this to five to six months. We provide a timeline estimate after the diagnostic phase.
No. Mintmvivid operates on a fee basis and carries no distribution agreements with any insurer. When we recommend a product, it is because it best fits your risk profile and cost parameters — not because it pays us a commission.
We conduct a structured annual review to check that coverage levels still align with your circumstances — income changes, new dependants, property acquisitions, and business events all affect the adequacy of a protection plan. Between reviews, clients can reach us directly for material changes.
We do not manage discretionary investment portfolios. Our scope is protection architecture and risk overlay. Where clients need active portfolio management, we co-ordinate with their existing fund manager or, if none exists, introduce them to regulated managers whose mandates complement the protection structure we have built.
Book a diagnostic call — no charge, no obligation — and leave with a clear picture of where your capital is exposed.