About Us
We are unbiased and impartial,
and are not owned by,
or tied to any product provider

We have weathered the storms and nurtured our clients through the market corrections of 94, 98, 2000-2002, the GFC (Global Financial Crisis) of 2008/9 and the Covid-19 correction.
The role of an investment advisor is not only to construct appropriate investment portfolios, but also to provide reassurance in uncertain times. The adviser should be able to back-up their recommendations with independent research.
Experience is vital. Education is important.
We use a consultative approach to find solutions to our clients’ needs.
Read what our clients say about our advice.

Alison Renfrew
Chartered Life Underwriter (CLU)
Certified Financial Planner (CFP)
Financial Adviser, FSP35961
On returning to New Zealand Alison established her own financial planning company where she applied her overseas experience and knowledge. Creating Wealth Limited was established in 1994 and was re-branded in 2005 to the LYFORDs group of companies. LYFORDS markets the leading financial service companies range of products from investments, retirement savings and insurances (life, trauma, income protection, medical).
Alison qualified in 1998 by examination to be a member of the New Zealand Institute of Chartered Insurance and Investment Advisers. In 2001 she qualified by examination to be a Certified Financial Planner (CFP), and is entitled to use the distinctive titles and designations CLU – Chartered Life Underwriter and CFP – Certified Financial Planner, the pinnacle of professional attainment. She is the second person and first woman in New Zealand to hold both CLU and CFP. Fewer than 1% of advisers in New Zealand hold both qualifications. In 2004 Alison won the Financial Planner of the Year Award.
Alison complies with the Continuing Education requirements of the industry organisation Financial Advice New Zealand and has been awarded the Trusted Adviser mark. She abides by the organisation’s Code of Ethics and Professional Conduct. and can use the ‘Trusted Adviser’ mark.

Richard W Renfrew
Certified Financial Planner (CFP)
Financial Adviser, FSP35821
A keen interest in outdoor activities resulted in being an active member and committee member of the Wellington Sky Divers Club and the Tararua Tramping Club. He has also served as the treasurer of the Wellington branch of the New Zealand Institute of Chemistry. A feature of Richard’s office is a marine reef aquarium. He and Alison have adventure kayaked with icebergs in both Antarctic (2015 and 2016 seasons) and the Arctic regions (Greenland, Franz Joseph Land) in the summers of 2017 and 2018. In 2017 they also went on a Russian icebreaker to the North Pole. They both enjoy overseas travel and getting away from the large cities.
Richard is always keen to seek out new challenges. After 13 years with Mobil, he retired, financially independent, in order to spend two years as a full time caregiver to his two year old son, Ricky. From there, Richard decided that he needed further challenges and joined Alison in 1994 in her unbiased financial planning and investment advisory business called Creating Wealth Ltd. In April 2005 the Creating Wealth group of companies was re-branded to LYFORDS. Through Richard’s efforts the company has a high emphasis on using the latest computer hardware and software. Richard taught himself JavaScript, CSS and HTML programming languages to create the company’s initial web site in 1998. Richard has a Diploma in Personal Financial planning from Waikato University.
As one of the most highly qualified investment advisers in New Zealand his analytical skills, discipline, ability to think clearly and rationalise brings a superior level of skills to LYFORDS and to its clients.
Richard complies with the Continuing Education requirements of the industry organisation Financial Advice New Zealand and has been awarded the ‘Trusted Adviser’ mark.

Richard SI Renfrew
(Investment, Life, Disability and Health Insurance)
Financial Adviser, FSP731211
At the age of seven Richard manufactured, marketed and sold magic bookmarks. The funds earned from selling these bookmarks enabled him to participate in more hobbies and Wellington adventure activities. At age 12 he made an investment in equities of $2,000.
Ultimately, these earlier choices helped him turn an adventure sport of paintball into a business around the age of 18. Cashing up his equities enabled him to set up Paintball Corp on Willis Street, Wellington, in 2014. Paintball Corp grew into a successful business which allowed him to expand by buying a competitor’s business. His company was a finalist in the 2018 Business Excellence Awards for best small business.
Whilst Paintball was an avenue for his business acumen his study at Victoria University in Physics aligned his analytical nature and passion for finding solutions to problems. Becoming a financial adviser was almost an inevitable outcome based on his learned skills in business, financial analysis and motivating people.
He worked in another Financial Advisory firm in Wellington before joining his parents’ business; Lyford Investment Management Ltd (Lyfords) in March 2020.
Richard is fluent in NZ Sign Language and is learning Te Reo Māori.

Paul van der Splinter
NZ Certificate Financial Services (Level 5)
(Investment and Residential Property Lending)
Associate Financial Adviser
Paul is a highly motivated professional who brings skills and experience from a range of roles in financial services, risk-management and customer service.
After several years working for the New Zealand Racing Board Paul joined the Police, serving for three years as a frontline officer and then as a family harm investigator. He has also spent time working for the New Zealand Defence Force.
While still in the Police Paul completed his Level 5 Certificate in Financial Services (Residential Property Lending) before making the decision to move into the financial services industry, first working for a KiwiSaver provider prior to joining Lyfords.
With a diverse range of work and life experiences, the thread that runs through Paul’s professional life is people. He loves the opportunity to work with people on understanding, planning and achieving their goals.
Paul enjoys working collaboratively with clients and being able to offer tailored solutions to their unique needs.
Outside of work Paul enjoys running, travelling with his wife Rebekah and reading, particularly about his biggest passion (outside of finance) – American presidential history.

Lucy Askew
Office Manager
She is responsible for client care and support, administration services, supporting the directors and extensive communication with UK pension providers. Lucy, assists with clients transferring their UK pension funds into New Zealand QROPS, HMRC approved schemes.
Our External Investment Committee
Consilium NZ supports Lyfords through providing systems and processes, independent research and auditing of client files.

Damon O’Brien
Chairman of the Consilium NZ Investment Committee.
He has a B Comm. majoring in Economics and Operations Research from University of Canterbury and, after joining the wealth management industry, went on to complete a Post Graduate Diploma in Business Studies (Personal Financial Planning) through Massey University. As a CFA® charterholder, Damon is bound by the CFA Institute’s Code of Ethics and Standards of Professional Conduct.

Mitchell Bristow
He holds a Bachelor of Science (majoring in Statistics) and a Bachelor of Commerce (majoring in Management Science) from the University of Canterbury.

Ben Brinkerhoff
He is an Accredited Investment Fiduciary AIF© and has a BA in History and Economics from University of California and is a qualified Financial Adviser.

Professor Ben Marshall
He holds the MSA Charitable Trust Chair in Finance at Massey University.
Professor Marshall has undertaken research in areas such as the impact of climate on financial markets, factors that influence stock returns, quantitative approaches to portfolio management, transaction cost and illiquidity measurement, and exchange traded funds.
His research has been published in leading international journals and he is a regular speaker at international finance conferences. Professor Marshall is currently ranked in the top 1% of authors based on downloads of his working papers.
Our Key Partner
Consilium provides critical external investment and adviser support to the New Zealand investment community. The Consilium Investment Committee advises on the prudent management of over seven billion dollars of New Zealand wealth.
