About the DecisionMakers Team

We are confident our tailor-made plans and investment strategies offer you the best chance of being financially independent. Gain the advantage of our co-operative network of advisers who share knowledge, expertise and insight while offering collaborative support. 

As an independent advisory service, we don’t work for a fund manager or large corporation – we are dedicated solely to our clients.

Work with one adviser, receive the experience of many

Because we are a co-operative, when you work with our advisers, you’re not just dealing with an employee – you’re talking directly with an owner and director of the company.

We’re with you long term, just a phone call away

Understand exactly what your options are and what needs to be done – we believe transparency around your financial situation and options is vital to good decision making, so we leave financial jargon at the door and communicate clearly at every stage of the process. 

For the years you work with us, we’ll take a weight off your shoulders by actively managing your investments.


Our mission is to help New Zealanders achieve their goals and dreams.

That's why we're so passionate about helping our clients to create solid financial plans that support them and generously give back for years to come.

Our personalised options enable us to create a plan to suit your needs, whether you're investing for yourself, setting up a portfolio for your grandchildren, or establishing a charitable trust.

Meet Our Advisers

All of our advisers are highly qualified and members of Financial Advice New Zealand.

Phil O’Malley

Financial Adviser, Takapuna

B.Com Economics and Accounting, Member Financial Advice NZ, Member Chartered Accountants Australia New Zealand. 

A member of the Chartered Accountants of Australia New Zealand for 40 years, and with decades of experience in major companies across NZ and the U.K., Phil loves educating clients about financial management and designing their portfolios to meet their financial ambitions. 

Phil works with a very broad range of clients but nowadays tends to specialise in workers approaching retirement and retirees. He relishes the challenge of helping his clients make the most of their wealth and provides open, realistic advice for their situations and ambitions.

As a founding member of the DecisionMakers Group, Phil is known affectionately as “the old guy”. He is always ready with a good story to tell, and as the Company Secretary he looks after the group’s finances.

Outside of work, Phil is a keen sportsman with a fondness for rugby, golf and racing, and has been involved in a number of sports club committees. 

Tim Shand

Financial Adviser, Takapuna

B.C.A. Accounting, Financial Advice NZ Member.

With 27 years’ experience as an investment adviser, Tim enjoys meeting clients and working with like-minded people. Prior to entering the finance profession, Tim worked in a range of sectors including accountancy. He gets along with kiwis from all walks of life. 

Tim’s clients are mainly retired and some have been with him for over 25 years! 

In our team, Tim is a member of the investment committee. Away from his desk, Tim spends his time with family and friends and enjoys sports, travel, reading, and a good glass of red wine. 

Colin Austin

Financial Adviser, Takapuna & Lower Hutt

GradDipBusStud (Personal Financial Planning), Certified Financial Planner, Financial Advice NZ Member.

Having entered the profession in his twenties, Colin now has over 20 years’ experience in financial planning and was one of the founders of DecisionMakers. He finds daily reward in establishing long term relationships with his clients, sharing their victories and supporting their journeys. 

Colin works primarily with people who are within sight of retirement or already retired and who are eager to make the most of their accumulated resources by generating reliable passive income from their assets. 

In the office, Colin is co-Chair of DecisionMakers and our go-to guy and problem solver - always ready to lend a hand for leadership or support. This has included his years serving as Chairman of the Institute of Financial Advisers (IFA) in  Auckland, and as National IFA Council member (this is now Financial Advice NZ).  He values continuous improvement and keeps up to date with sector developments and technology. 

Outside of work, Colin enjoys travel, eating out, and staying fit with his wife and two teenage daughters. He is also passionate about restoring “Albert”, a classic 1957 Ford Anglia that belonged to his grandfather, and sponsoring an annual bowling club event in memory of his late father-in-law. 

Thomas Chiou

Financial Adviser, Albany

MBA, GradDipBusStud (Personal Financial Planning), Financial Advice NZ  Member. 

With 12 years’ experience as a financial adviser and 32 years before that in corporate IT, Thomas loves taking on new challenges including finding solutions for his clients’ investment needs. 

With clients in a range of age groups and life stages, Thomas works as a life mentor to assist them with house deposits, mortgages, retirement funds, investments, and prioritising goals for different stages of life. 

Thomas applies his business management skills and education to his own work, we know him for his efficiency and dedication to doing the right thing. Outside of work, you’ll find Thomas gardening, travelling, or enjoying long walks. 

Phil Armstrong

Financial Adviser, Tauranga

GradDipBusStud (Personal Financial Planning), Certified Financial Planner, Financial Advice NZ Member, Bachelor of Science. 

An investment adviser for over 12 years, Phil enjoys lifting the burden of money management off his clients’ shoulders, so they can focus on what’s important to them. 

Many of Phil’s clients are in or approaching retirement. They each have unique challenges, goals, and backgrounds – which he loves hearing stories about! He makes it his mission to provide solid professional advice to each and every client so they can rest easy knowing they’re taken care of. 

We know Phil in the team for his sense of humour and always being keen for a long walk on the beach (living in Tauranga, we can’t blame him!). When he’s not in the office, Phil enjoys getting out kayak fishing, hiking in the bush, or trail running. He can also be found helping his mother solve her computer problems.

Tanya Gilchrist

Financial Adviser, Tauranga

BBus (Financial Planning & Advice), Certified Financial Planner, Financial Advice NZ Member,  Responsible Investment Association Australasia, Financial Adviser Member. 

Having been an investment adviser for over 18 years, Tanya gets the most enjoyment out of seeing people live the life they plan to. After working out a plan together, she helps to manage the ups and downs of life along the way. 

Most of her clients are over the age of 55, from the generation of people whose legacy is the beautiful country we live in today. At least half of her clients take a monthly income from their investments, and although it can be challenging to manage at times, it makes her job more interesting! 

Tanya is co-Chair of DecisionMakers and is known in the team for her technical and IT skills and loves to use these to discover new (and hopefully better) ways of doing things. Tanya has a full life outside work, with three children at home, and a dedication to organising and supporting local charitable events.

Lyndell Jackson

Office Manager, Takapuna

From a 30 year background in banking and investment, Lyndell has been part of our DecisionMakers team for 13 years and brings her strong understanding of the profession to all of her work. 

Working closely with Tim Shand on day-to-day administration, Lyndell knows our clients well and enjoys being part of the close-knit DecisionMakers team. Outside of work, Lyndell enjoys spending time with her family and travelling.  

Kate Baxter

Office Manager, Takapuna

With a background in finance and banking, Kate combines her experience and comprehensive knowledge of our portfolio management system to support DecisionMakers’ advisers and clients. 

Kate works closely with Colin and his clients, providing outstanding continuity of care. When not in the office, Kate is keeping up with her two primary-aged children, getting outdoors and exploring.

Our network of advisers are dedicated to your success.

Our advisers are ready to assist you in designing a confident future.