A home is one of the largest purchases most people make during their lifetime. Therefore, homeowners insurance protection is critical and strongly recommended.

Estate planning can have a lasting impact on your family – though not as much as not doing it.

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?

Most of us will live a long time in retirement – possibly as many as 20 years, without generating income through employment.

Debt affords us the opportunity to benefit from things that we may not be able to purchase in the short term, such as a home.

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.

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.

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.

The purpose of investing is to improve our future circumstances or future lifestyle.

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.

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.

Cash management is the understanding and analysis of what you earn, what is deducted (e.g. taxes), what you spend and what you save.

Your broker works for you – not for the insurance company.

Diversification is the process of helping reduce risk by investing in several different types of individual funds or securities and works hand in hand with asset allocation.

Personal Pensions

Most of us will live a long time in retirement – possibly as many as 30 years, most of these without generating income through employment. Therefore, for the vast majority of us, managing our pension resources now will be critical if we are to support our lifestyles in retirement.

Without proper planning, we can be faced with a significant cut in our income at retirement, requiring dramatic changes to the lifestyle to which we have become accustomed.

AM I MAKING THE RIGHT DECISIONS FOR MY PENSION?

How do I know that I am making the best choices when investing for my pension (based on my time horizon, investment objectives and other resources)?
Should I be making voluntary contributions to my company pension plan?
Am I selecting the right option if I am leaving the company pension plan before retirement?
How can I choose between a Registered Retirement Savings Plan (RRSP) and a Registered Retirement Plan (RRP)?
With so many retirement plans out there, which one best suits my needs?
Should I even purchase an individual retirement plan – or to use an alternative approach to investing for retirement?
What are the options available to me at retirement for securing a retirement income? Which one is right for me?
How can I convert my pension funds into a monthly pension? Which company provides the right solution for me?
What will I do about health care and health insurance in retirement?

PENSION SERVICES

Through our Personal Pension Services, Lashley Financial works with individuals and companies to:

Ensure pension plan members are aware of the role of the employer-sponsored pension plan and individual retirement plans in their retirement plans
Ensure the employees in DC plans understand their investment options and are educated on making appropriate choices
Provide guidance to terminated employees on their transfer options
Provide guidance to retiring employees on their retirement options and helping through what can be a complicated process
Support individuals with selecting and placing immediate annuities (pensions), registered retirement plans, registered retirement savings plans and individual health insurance.

We also provide specific retirement planning services. These services look in more detail at areas such as retirement funding, insurance and health care in retirement, investing, taxes and estate planning.

DID YOU KNOW?

The trend towards defined contribution (DC) plans for company pensions has placed an even greater responsibility on you for the management of your pensions.

There may now be less certainty for you about what funds you will have at retirement and what pension these funds will afford. Added to this is the fact the investment risks in your accumulation years now reside with you as individuals.

Greater knowledge and greater interest in your pension are now critical to ensure that you will not suffer a significant decline in the lifestyle you can enjoy in your later years.

Personal Pensions

AM I MAKING THE RIGHT DECISIONS FOR MY PENSION?

PENSION SERVICES

DID YOU KNOW?

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