Disclosure Statement

In accordance with the provisions of the Securities Markets Act 1988 and the Securities Markets (Investment Advisers and Brokers) Regulations 2007 our Disclosure Statement sets out the disclosure required to be made in relation to your financial adviser. It provides information on:

• the services provided;
• how the Lyfords Financial Advice group of companies operate;
• our qualifications as investment and financial advisers;
• which investment products are recommended;
• which financial organisations business can be placed with;
• and how Lyford Independent Investments Limited and its financial advisers are remunerated.

NOTE: LYFORD Independent Investments Limited is not tied to any banks, fund managers, or insurance companies. It is 100% New Zealand owned.

It is a fees based investment advisory company. All trail fees, commissions and brokerages are rebated back to our clients accounts.

A separate fee is charged for our on going services which is detailed in the Disclosure Statement.