Nigeria’s challenges in property ownership and retirement planning are well-documented. Many individuals struggle to find trustworthy investment opportunities, and the majority lack pension coverage, leaving them vulnerable to financial insecurity. The Smart Legacy Plan addresses these issues through a social approach to wealth creation, focusing on sustainable investment and generational wealth creation. Dr. Clement S. Emiyan pointed out that the plan’s collaborative approach ensures a robust and supportive ecosystem for subscribers. Subscribers can save regularly towards buying properties or investing in agriculture, access loans or advances against their savings-investment, and invest in farm estates or agriculture businesses. The plan’s benefits include wealth creation, financial inclusion, sustainable income, community building, and a retirement plan. Subscribers can accumulate wealth, access financial services and support, establish sustainable passive income streams, and benefit from a sense of community and mutual support. As Dr. Clement S. Emiyan notes, “Discipline is key to achieving financial stability. The Smart Legacy Plan’s structured payment options and investment opportunities help individuals stay on track and achieve their financial goals.” The plan’s flexible payment options cater to different needs and preferences, and its insurance coverage provides indemnification from accidental shocks, protecting subscribers’ investments. The target audience includes low-income individuals, small business owners, property buyers, and affinity groups seeking affordable savings and investment options, support, and investment opportunities. In conclusion, the Smart Legacy Plan is a comprehensive solution to Nigeria’s property ownership and retirement planning challenges, offering opportunities for wealth creation, financial inclusion, and sustainable income.