LYFORDS Financial Planners and Investment Adviser Profiles

What to look for when looking for an adviser (adviser) 
Eleven ways LYFORDS is different to other financial planning and investment companies  
What are the levels of service provided?  
Financial Planning

client testimonials

WELLINGTON OFFICE Contact Details

(Click on the adviser name, or photo to reveal a full profile of each adviser)

Alison Renfrew  CLU Chartered Life Underwriter  CFP Certified Financial Planner
Managing Director & Certified Financial Planner
Alison Renfrew - Certified Financial PlannerCertified Financial Planner CFP Certified Financial Planner
Chartered Life Underwriter CLU Chartered Life Underwriter
BSc (Victoria University, Wellington)
Diploma in Life Assurance
Diploma in Personal Financial Planning (Massey University, Palmerston North)



Membership and Certification:
Life & Qualifying member of Million Dollar Round Table (MDRT)
Certified Financial Planner - CFP, Member of the Institute of Financial Advisers (IFA)
NZ Institute of Directors - Wellington

Awards:
Winner of New Zealand Certified Financial Planner of the Year 2004 , also finalist in 2002 and 2003. 
Winner of "Her Business Woman of the Year", 2004 - category "Most Inspirational Business Woman"
Lyford Asset Management Ltd, finalists for financialalert Advisory Practice of the Year Award 2005
Fidelity Life Assurance Chairman's Cup 2008

Years of experience in financial services: 26
Disclosure Statement email: Click here to email us

Richard Renfrew PhD, CFP Certified Financial Planner
Director & Certified Financial Planner
Richard Renfrew, Director, Certified Financial Planne, Investment Adviser
MSc (Hons), PhD (Victoria University, Wellington)
Diploma in Personal Financial Planning (Waikato University, Hamilton)
Diploma in Business Administration (Victoria University, Wellington)
Certified Financial Planner CFP Certified Financial Planner


Membership and Certification:
Certified Financial Planner and member of the Institute of Financial Advisers (IFA)

Years of experience in financial services: 15
Disclosure Statement email:  Click here to email us

 CFP Certified Financial Planner Global mark of excellence in financial planning.  Certified Financial Planner are registered certification marks of the Certified Financial Board of Standards Inc (CFP Board) and are issued by the Institute of Financial Advisers under license.  The CFP Board is an independent professional self regulatory body acting to benefit and protect the public in its dealings with persons engaged in providing financial advice by establishing educational, ethical and disciplinary standards, developing and administering examinations within the field of financial planning and authorising individuals who meet its criteria to use the CFP Board's Marks. Why choose a certified financial planner?
CLU Chartered Life Underwriter  Chartered Life Underwriter ( CLU ) is the highest insurance and personal risk management qualification available to insurance professionals in New Zealand.  It is specifically suited to those who specialise in the areas of personal and business insurance.  The CLU qualification demonstrates that the holder has a high standard of competence in their chosen profession and it can be expected that the holder will maintain the highest standard of professionalism and ethics when giving advice.

Kirsty Hamilton
Office Administration, UK Pension Transfer Specialist

Kirsty is one of Lyfords UK Pension Transfer specialists and has been working in this area since May 2007.  Liaising  with UK and NZ pension companies and understanding the ins and out of protected rights issues etc. and liaising with clients is one of Kirsty's key areas.  She lived in the UK for 5 years and met her Husband Ed in the UK.

Kirsty is involved with insurance applications and assisting the principals Alison Renfrew and Richard Renfrew.

Kirsty is a qualified commercial real estate agent and her experience is called upon when Lyfords recommends property.


What to look for when seeking advice 
Currently the way the law stands in New Zealand a person could be a'street sweeper' one day and the next day hold themselves out to be a financial adviser/planner.  This is why you should be very careful when seeking advice.

How experienced and qualified is the adviser? 
You have the right to request from any investment adviser a written disclosure statement stating his or her experience and qualifications to give advice. That document will tell you;

  • Whether the adviser gives advice only about particular types of investments; and
  • Whether the advice is limited to the investments offered by one or more particular financial organisations; and
  • Whether the adviser will receive a commission or other benefit from advising you.

You are strongly encouraged to request that statement. An investment adviser commits an offence if he or she does not provide you with a written disclosure statement within 5 working days of request. You must make the request at the time the advice is given or within 1 month of receiving the advice.

In addition -

  • If an investment adviser has any conviction for dishonesty or been adjudged bankrupt, he or she must tell you this in writing; and
  • If an investment adviser receives any money or assets on your behalf, he or she must tell you in writing the methods employed for this purpose.

Tell the adviser what the purpose of your investment is. This is important because different investments are suitable for different purposes.

For a copy of any of the above advisers Disclosure Statement e-mail us at: Click here to email us   

Also check out :
 -  NZ Financial Planner of the Year
 -  Our Quality of Advice Guarantee
 -  Client Testimonials
 -  Questions to ask your financial adviser
 -  Financial Planning
 -  Which financial adviser to use?
 -  Why choose a certified financial planner?