The Renfrews have over 60 years of combined experience in financial planning. They use independent research to develop and manage tailored investment portfolios.
We charge fees for our services which are generally tax deductible. We provide, transparent investment solutions after taking into account our clients’ financial positions and their tolerance to financial market fluctuations.
“The best way to predict your future is to create it“,
– Abraham Lincoln
For every 100 people who entered the workforce 45 years ago
- 1 is rich
- 16 are financially independent but not rich
- 5 are still working
- 20 have died
- 58 are totally dependent on NZ Superannuation
New Zealanders are living longer; life expectancies have increased by 18 months each decade since 1950.
Three major financial risks are premature death, inability to work because of a long-term accident or illness, and the need to find large amounts of cash to fund medical care.
Five out of ten men over the age of 25 are likely to become disabled before they turn 65 due to an illness or accident that will prevent them from working for at least a month.
Seven out of ten women are likely to become disabled due to an illness or accident that will prevent them from working for at least a month before they turn 65.
What happens when you call us?
When you initially contact us we’ll listen to your concerns. We’ll learn what your main issues are;
- Tax efficient investments and regular savings
- Transferring your UK pensions
- Reviewing your insurance programme
Speak with a qualified & experienced investment adviser
You will have peace of mind that your investment adviser knows what she/he is talking about when they have decades of experience and a high level of related qualifications.
Proposal & Implementation
After an initial discovery meeting we will prepare a letter that summarises the conversation, identifies the action to be taken and outlines the fees. All advice must be in writing and is included in a “Statement of Advice” showing our recommendations. These are supported by independent research.
Monitoring & Reporting
Its important to review your investments and financial goals to check they are still on track with the objectives set. Change is certain and your investment plans will change from year to year.
“As we get older it gets more difficult to keep up with, let alone, understand what’s going on in the financial world, and we take comfort in the fact that you are able to keep up with the play and keep our interests in view. “
Get personalised service from experienced financial advisers
Richard W Renfrew
PhD, CFP, MSc(Hons), Dip FP, Dip Bus Admin
Certified Financial Planner & Investment Adviser
Financial Adviser FSP35821
CLU, CFP, BSc, Dip FP
Certified Financial Planner & Financial Adviser
Financial Adviser FSP35961
Richard SI Renfrew
NZ Certificate Financial Services (Level 5)
(Investment, Life, Disability and Heath Insurance)
Financial Adviser FSP731211