+64 4 471 0662 
For financial planning advice that suits your age and current lifestyle CLICK ON the situation that best fits you: Age 20-30 Click here if this typically describes you:
- single, no dependents
- low net worth
- student loan
- earning a good income
- lifestyle needs
Advice needs:
- managing your money
- investing: short and medium
- basic insurance needs Age 30-45 Click here if this typically describes you:
- married, dependents
- young family maybe one income
- house and mortgage
- starting a business
Advice needs:
- financial plan as a road map to financial independence
- accumulating wealth
- comprehensive insurance needs
- estate planning Age 45-60 Click here if this typically describes you:
- children left home
- double income, good surplus
- need to save for retirement
- mortgage low, or paid off
- investment property or like to
- discretionary spending for holidays etc
Advice needs:
- investing to be financially independent
- time for serious saving
- check retirement savings on track
- estate planning
- review insurance needs Age 60 plus Click here if this typically describes you:
- retired, or transitioning to
- time for holidays
- quality lifestyle important
Advice needs:
- inflation proof savings and income
- invest low to moderate risk
- managing income needs versus capital available
- increasing medical costs
- estate planning
- single, no dependents
- low net worth
- student loan
- earning a good income
- lifestyle needs
Advice needs:
- managing your money
- investing: short and medium
- basic insurance needs Age 30-45 Click here if this typically describes you:
- married, dependents
- young family maybe one income
- house and mortgage
- starting a business
Advice needs:
- financial plan as a road map to financial independence
- accumulating wealth
- comprehensive insurance needs
- estate planning Age 45-60 Click here if this typically describes you:
- children left home
- double income, good surplus
- need to save for retirement
- mortgage low, or paid off
- investment property or like to
- discretionary spending for holidays etc
Advice needs:
- investing to be financially independent
- time for serious saving
- check retirement savings on track
- estate planning
- review insurance needs Age 60 plus Click here if this typically describes you:
- retired, or transitioning to
- time for holidays
- quality lifestyle important
Advice needs:
- inflation proof savings and income
- invest low to moderate risk
- managing income needs versus capital available
- increasing medical costs
- estate planning
Did you know ...
The financial markets have shown signs of recovery.
The financial markets have shown signs of recovery.
Did you know ...
1 in 3 of us before the age of 75 will get cancer.
1 in 5 will have a heart attack.
1 in 6 will have a stroke.
1 in 3 of us before the age of 75 will get cancer.
1 in 5 will have a heart attack.
1 in 6 will have a stroke.
Financial planning is about developing a road map for your financial independence.
Alison Renfrew CLU, CFP
- Certified Financial Planner (CFP)
- Chartered Life Underwriter
(CLU) - Managing Director
- Insurance and UK Pension Transfer Specialist
- Published Author
- 26 Years experience
- Financial Planner of Year Award 2004 Read more ....
Richard Renfrew PhD, CFP
- Certified Financial Planner (CFP)
- Director
- Investment Specialist
- 15 years experience
Read more ....
Retirement Planning
Most New Zealanders retire on NZ Government superannuation with 75% of retirees living on less than $21,000 a year.
Most people do not reach retirement in the financial position they would like to.
Find out how you can change these statistics.
Read more ....
Most people do not reach retirement in the financial position they would like to.
Find out how you can change these statistics.
Read more ....
UK Pension Transfer
It's important to seek good, experienced advice when transferring your UK Pension.
To transfer UK pensions to New Zealand we use HRMC, QROPS approved funds.
Avoid the risk of potentially being taxed up to 55% on the transfer value of your UK pension if its transferred incorrectly.
Read more ....
To transfer UK pensions to New Zealand we use HRMC, QROPS approved funds.
Avoid the risk of potentially being taxed up to 55% on the transfer value of your UK pension if its transferred incorrectly.
Read more ....
Business Owners
What happens if your business partner dies, or is disabled, decides to retire, or simply had enough.