Financial planning, investment advice, retirement planning, independent insurance advice, health insurance, estate planning, uk pension transfer specialists using QROPS approved funds, wealth management, certified financial planners - Lyford Asset Management LtdPrincipals:Alison Renfrew BSc, CLU Certified Financial PlAnner (CFP)Richard Renfrew PhD, Certified Financial Planner (CFP)Over 40 years combined experience