Creating Wealth Adviser Profiles
client testimonials WELLINGTON OFFICE Contact Details
(Click on the adviser name, or photo to reveal a full profile of each adviser)Alison Renfrew  
 Managing Director & Certified Financial Planner
Certified Financial Planner
Chartered Life Underwriter
BSc (Victoria University)
Diploma in Life Assurance
Diploma in Personal Financial Planning (Massey University)
Member of:
Life & Qualifying member of Million Dollar Round Table (MDRT)
Institute of Financial Advisers (IFA)
New Zealand Institute of Directors
 Winner of The Financial Planner of the Year Award 2004 , also finalist in 2002 and 2003.
Winner of "Her Business Woman of the Year", 2004 - category "Most Inspirational Business Woman"
Years of experience in financial services: 23
email: alison@creatingwealth.co.nz  and Certified Financial Planner are registered certification marks of the Certified Financial Board of Standards Inc (CFP Board) and are issued by the Financial Planners and Insurance Advisers Association Inc 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.
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. Dr Richard Renfrew
Director & Certified Financial Planner
 Certified Financial Planner
MSc (Hons), PhD (Victoria University)
Diploma in Personal Financial Planning (Waikato University)
Diploma in Business Administration (Victoria University)
Member of:
Institute of Financial Advisers (IFA)
Years of experience in financial services: 11
email: richard@creatingwealth.co.nz
For a copy of any of the above advisers Disclosure Statement e-mail us at:
invest@creatingwealth.co.nz
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:
info@creatingwealth.co.nz Also check out :
- one of our weekly articles entitled "Which Adviser?"
- NZ Financial Planner of the Year 2002, 2003 Finalist
- Our Quality of Advice Guarantee
- Client Testimonials
- Questions to ask your financial adviser
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