Why choose Lyfords over other NZ QROPS Advisers?

UK Pension Transfer Expertise

• • • 25+ years of expertise in UK-to-NZ pension transfers.
    • Proven track record with hundreds of successful client pension transfers.
    • Clear, transparent documentation and advice process.
    • Client-first duty under NZ financial advice law.
    • Ability to identify when a transfer may not be appropriate, protecting clients from unnecessary risk.
    • Understanding of how UK pension rules interact with NZ tax law.
    • Diversified global investment portfolios aligned with the client’s risk profile.
    • We use an independent investment risk-return profiling tool.
    • Experience resolving common transfer delays or complications.

Client Experience

• • • Clear explanations of complex UK pension rules.
    • A guided process so clients understand every step of the transfer journey.
    • Direct access to advisers rather than call-centre style service.
    • Support coordinating with UK pension providers.

Practical Process Advantages

• • • Assistance dealing with UK scheme administrators and paperwork.
    • Managing communication across time zones between NZ and the UK.
    • Experience resolving common transfer delays or complications.
    • A structured transfer process designed to reduce errors and delays.

Not aligned with the QROPS providers recommended

• • • Relationship-based advisory firm rather than high-volume transfer brokers.
    • NZ-based advisers – clients can meet face-to-face.
    • Advice driven by planning outcomes rather than product sales.
    • Independence from any single QROPS provider.

Regulatory Strength & Trust

• • • Advice provided by a New Zealand licensed Financial Advice Provider, operating under the oversight of the Financial Markets Authority.
    • Strong compliance framework aligned with NZ financial advice regulations.
    • Clear, transparent documentation and advice process.
    • Client-first duty under NZ financial advice law.
    • Licensed Financial Advice Provider, FSP341506.

Long-Term Relationship (Not a Transaction)

• • • Ongoing portfolio management after the pension transfer.
    • Regular portfolio reviews and rebalancing.
    • Advice evolves as clients move from accumulation → retirement → income phase.
    • A long-term adviser relationship based in New Zealand.

We are not volume-driven – we focus on your unique needs for the best outcome and take time to access your investment risk-return profile.

Your pension transfer is just the start — our focus is managing your wealth for the decades that follow.