Who We Are

sue painting


Sue Billing

CFPCM, Certified Financial Planner, AFA Authorised Financial Adviser (FSPR 49782)

In 1989 I made a career change to financial planning and investment.  I liked the holistic approach which was new back then. Looking at the overall life and financial position of a client throughout provides a stronger integration of their financial affairs. I have enjoyed establishing my client base over the years via personal contacts and referrals and the rewards of supporting clients and ensuring they have had the funds they need for their lifestyle   since that time. It is rewarding to have their children and other family members follow on to become clients. 

I offer advice on investment planning, selection, placement,  management and monitoring, cash and debt management, retirement planning and comprehensive financial planning. I offer my commitment and focus to support clients  throughout life.

I am the Director of Investment World Limited. After graduating from the University of Canterbury, I held education and training positions including a variety of management roles at local, regional and national levels.  From 1989, I gradually established my own financial planning business, Sue Billing Consultants.  I was admitted as a Member of the Registry of Financial and Investment Planners in November 1992, and was awarded the qualification Certified Financial Planner (CFPCM).  From July 1993-July 1999, I practised as an Associate with my own client base at Financial Strategies (NZ) Ltd.   In July 1999 I established the company “Investment World Ltd”. I became an Authorised Financial Adviser [AFA] in 2011.


  • Authorised Financial Adviser, AFA (FSPR49782)
  • Certified Financial Planner (CFPCM)
  • Member, Professional Investment Associates (PIA)
  • Member, Financial Advice NZ (FANZ)
  • Member, Society for Independent Financial Advisors (SIFA)
  • BA  University of Canterbury
  • Diploma in Teaching

Click Contact for our Primary Disclosure Statement, available on request and free of charge.



Karen Smart

CFPCM, Certified Financial Planner, AFA Authorised Financial Adviser (FSPR 3581), CA Chartered Accountant 


I qualified as a Chartered Accountant in Canada in 1985.  In 1995 I joined a boutique financial planning firm in Canada and qualified as a Registered Financial Planner. In 1996 I qualified as a Certified Financial Planner, one of the first to receive this designation in Canada. After spending 10 years in Asia, I relocated with my family to NZ in 2007. In early 2008 I  was appointed to Investment World and qualified as a Certified Financial planner in NZ later that year. In 2009 I qualified as a Chartered Accountant in NZ. In 2011 I qualified as an Authorised Financial Adviser (AFA).

Karen is engaged by Investment World to work alongside Sue in  providing investment planning.   Part of her role is  investment research for Investment World.  She also does accounting and taxation for selected clients under the Investment World Tax agency.


  • Authorised Financial Adviser, AFA (FSPR49801)
  • Member, Financial Advice NZ (FANZ)
  • Member, Treasurer, Society for Independent Financial Advisors (SIFA)
  • Certified Financial Planner (CFPCM)
  • Chartered Accountant (CA)

Click Contact for our Primary Disclosure Statement, available on request and free of charge.