Under the Financial Market Conduct (Regulated Financial Advice Disclosure) Amendment Regulations 2020, regulation 229C the following publicly available information is declared.
Lyford Investment Management Limited, also trading as Lyfords and Lyford Financial Services is a Licensed Financial Advice Provider (FAP) issued by the Financial Market Authority (FMA) to provide financial advice services including investment, personal insurance, Kiwisaver and general financial advice.
Financial Services Provider (FSP) Number is 341506.
Alison M Renfrew, FSP35961
Richard W Renfrew, FSP35821
Richard SI Renfrew, FSP731211
(FSP – Financial Service Provider Licence)
We are not obligated to, or tied to any banks, insurance companies or product providers.
All products recommended are qualified with independent research.
The actual fee charged to you will depend on the nature and scope of the advice, or service that we provide. We will discuss and agree the actual fees with you before we proceed and explain how they are payable.
The fees charged for our advice and services may be based on a combination of a set dollar amount or a percentage-based fee. Fees will be confirmed in our Statement of Advice. Our agreed advice and service fees may include charges for initial advice, ongoing or annual advice and services.
For services relating to personal insurance recommendations, commissions may be paid to us directly by the product provider as follows:
While the FAP is licensed to provide insurance, investment and general financial advice we are not specialists in accounting, trusts, fire and general insurance, or mortgages. We may refer you to companies that give specialised advice in these areas.
We prioritise our clients’ interests above our own. From time to time we may attend subsidised conferences and professional training provided by product providers as part of our continuing education requirements. We also receive commissions from some product providers.
We manage these conflicts of interest by ensuring that the advice we provide is based on understanding your goals and circumstances and providing recommendations which are based on independent research. We maintain a Conflict of Interests register which allows us to actively manage any conflicts that may arise.
As a company we have been operating a financial services practice since 1994, initially as Creating Wealth Ltd which was rebranded to Lyford investment Management Ltd in 2005.
If you have any problems, concerns or a complaint about any part of our advice or service, please tell us so that we can try and fix the problem. Our internal complaints manager is Richard Renfrew, 04 471 0662. A copy of our complaints policy will be provided on request.
If we cannot agree on how to fix the issue, you can contact our external disputes resolution scheme, ISO Disputes Resolution Scheme. This service will cost you nothing, and will help us resolve any disagreements.
ISO Disputes Resolution, PO Box 845, Wellington Phone: 0800 888 202 Email: email@example.com
We are bound by the duties of the Financial Markets Conduct Act (431I, 431K, 431L and 431M) to: