Maintaining your quality of life after the diagnosis of a critical illness and dealing with financial commitments can cause hardship for you and your families. Critical illness insurance can protect your family's future.
Using a broker doesn't cost you more. Often it can cost you less because brokers have knowledge of the insurance market and the ability to negotiate competitive premiums on your behalf.
Without proper retirement planning, you can be faced with a significant cut in your income at retirement, requiring dramatic changes to the lifestyle to which you have become accustomed.
Estate planning can have a lasting impact on your family – though not as much as not doing it.
A home is one of the largest purchases most people make during their lifetime. Therefore, homeowners' insurance protection is critical and strongly recommended.
Motor vehicle insurance has various elements including property damage coverage, liability coverage including coverage for the death or injury of a third party, collision coverage and comprehensive coverage.
The objective of investing is to receive a future flow of funds larger than the funds originally invested.
Are you covered against the primary critical illnesses, such as cancer, heart attack and stroke that can cause emotional and financial distress?
You will need 4 to 10 times the amount you paid for your house to enjoy a comfortable retirement.
Choosing the right insurance company for you is one of the most critical steps in managing your insurable risks. It means asking all of the right questions and thoroughly investigating your options.
Your broker works for you – not for the insurance company.
Most of us will live a long time in retirement – possibly as many as 20 years, without generating income through employment.
Death is inevitable – and sooner or hopefully later, we are going to die. Before we do, we should take some actions to put our affairs in order.
A popular myth is that estate planning is only for the rich among us. However, any one who has property and wishes for a future generation will need estate planning.
The purpose of investing is to improve our future circumstances or future lifestyle.
The purpose of all of our business engagements is to achieve performance improvement in the client’s business by:
Our business engagement process has five (5) phases below:
Phase 1: Business Diagnostic
Phase 2: Solution Development and Validation
Phase 3: Development of Implementation Plan
Phase 4: Implementation
Phase 5: Post-Implementation Monitoring and Review
There are three key principles that guide our engagements.
In professional services companies, the level of expertise and experience of the person with whom you are dealing determines the quality of the solution and often the quality of your interaction. Many times you are promised expertise, only to end up dealing with a junior person – rather than the senior partner with the relevant experience.
Our commitment is that the person dealing with you and your business will have significant practical experience and training to bring to bear on addressing your needs. For you this will mean quality solutions that will work for your business.
In addition, we have seen both sides, bringing together both the industry expertise and business experience. We have been both the consultant and the business leader – so we have a unique balance that really understands the customer perspective, while knowing what can be delivered.
You can be assured that the solutions we recommend are the most appropriate for your circumstances and preferences so you know that you have made the right decision.
A Lashley Financial customer will come to understand their goals and objectives; recognise the issues and opportunities; appreciate the options and implications; come to their own decisions and make their own choices. Our role is to guide you through this process – not to prescribe what is right for you.
This is why we involve you fully in our process and work alongside you. This is why we explain, in plain language, what we are recommending and why we believe that a solution may be the right solution for you. For you this will mean that you can objectively assess all that is being offered, by us (or by our competitors) so that you will know that you are making the right decision for your business.
The world already has sufficient reports developed by consultants and advisors – filled with great ideas and strategies - that will never be implemented. We do not propose to add to them.
Our approach makes implementation part of our process – so our solutions are practical and implementable. Because we recognise that it is more effective to have a recommendation that you can implement, than to have a great idea that you cannot.
We work with you to provide practical recommendations, explained in clear language, so you understand not only what we recommend but why.
Because to change our future, we must act.
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More than you want and less than you need
Often, in the seminars and workshops we do, we are asked about the purchase of whole life insurance vs buying term life.
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