No product commissions
We earn nothing from insurers, fund managers, or legal providers. Our only income is the fee you pay us, which means our recommendations have no financial conflict baked into them.
About Pandadriver
A fiduciary advisory practice built for the North Rift Valley's wealth creators
Pandadriver is independent, fee-only, and structured around one obligation: acting in your interest.
What Pandadriver does, plainly stated
Pandadriver is a capital protection advisory practice based in Kitale, Kenya. We help individuals, entrepreneurs, and families preserve and structure their wealth — not by managing funds on their behalf, but by advising on the strategies, structures, and instruments that provide the strongest protection for capital over long time horizons. Our four disciplines are risk management, insurance wrapper design and review, legal wealth structuring, and independent transaction advisory. In each case, the output is a written plan, analysis, or recommendation — not a product sale. We work primarily with clients in the North Rift Valley region, including Trans Nzoia, Uasin Gishu, and West Pokot counties, though we also advise clients in Nairobi and other Kenyan urban centres where the mandate requires independent analysis without a sales conflict.
How our practice works — and what we do not do
Pandadriver was founded in 2018 by advisors who had spent years observing the same pattern: clients receiving advice that served the advisor's income rather than the client's capital. We structured this practice from the start as fee-only — we earn nothing from product commissions, insurer referral fees, or fund management rebates. Every client engagement is quoted upfront, and the fee does not change based on which solution we ultimately recommend. Since 2018, we have completed over 140 advisory engagements covering risk registers, insurance wrapper reviews, trust and holding company feasibility assessments, and transaction due diligence assignments. Our typical client has KSh 5 million to KSh 200 million in structured and unstructured assets and faces genuine complexity in managing, protecting, and eventually transferring that capital. There are meaningful limits to what we do. We do not manage investment portfolios or discretionary funds. We do not provide legal advice or draft legal documents. We do not advise on tax compliance or act as tax agents. Where a client's needs extend into those areas, we refer them to appropriately qualified specialists. Our value is independence, analytical rigour, and the discipline to say clearly what we see — including when a proposed arrangement does not serve the client's protection goals.
Why clients choose a fee-only fiduciary
The difference between advice and sales is who pays for the advisor's time.
Written outputs only
Every engagement ends with a document — a risk register, a structural analysis, a written recommendation. You leave with something concrete and reviewable, not just a conversation.
Protection before growth
We evaluate every recommendation first against its capital protection implications. Growth is welcome when it does not compromise the safety of what you have already built.
Visit us in Kitale or reach out directly
We are available for in-person consultations at our Kitale office, Monday to Friday.
Kenyatta Street, Kitale 30200, Kenya · info@pandadriver.info · +254 053 123456