Lashley Financial :: PERSONAL FINANCE

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

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.

Are you covered against the primary critical illnesses, such as cancer, heart attack and stroke that can cause emotional and financial distress?

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.

Building net worth over a lifetime requires prudent planning and the implementation of sound strategies. Insurance is an important element of any sound financial plan.

The most valuable asset that the vast majority of the adult population has is the ability to work to earn the income required to provide for a reasonable lifestyle and to build net worth.

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.

Credit, like a knife, is neither good nor bad – it depends on the use to which it is put.

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.

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.

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 objective of investing is to receive a future flow of funds larger than the funds originally invested.

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

You will need 4 to 10 times the amount you paid for your house to enjoy a comfortable retirement.

The solutions we recommend are the most appropriate for your circumstances and desires - so you know that you are making the right decision for you and your family.

Financial planning with Lashley Financial helps you to effectively manage your finances to achieve your personal goals. At Lashley Financial, our aim is to help you to achieve “the best life in your time”. We work with you to create an effective and sustainable balance between living now and securing the future. It is about using your financial resources to make the best life possible, for yourself and for those you care about – and perhaps to make your mark on your time spent on this earth.

Financial Planning

After a detailed fact-finding discussion with you, we prepare a comprehensive personal financial report, which analyses your current situation, identifies possible areas for improvement, recommends a strategy for the future and provides a set of required actions.

Lashley Financial provides two main levels of financial planning.

Comprehensive Financial Planning

Lashley Financial will analyse your complete financial situation including, but not limited to: cash management, risk management, investment management, debt management and specific financial needs as determined by you.

Personalised Financial Planning

Lashley Financial will prepare an analysis limited to the services you select from the specific areas. These are:

Cash Management and Budgeting
Debt Management
Education Planning
Retirement Planning
Investment Planning
Insurance Planning
Estate Planning.

Implementation

Once the strategy and actions have been agreed, we can help with the implementation, if you wish. Where appropriate, advice is given in conjunction with your existing professional advisers, for example your lawyer.
At your discretion, Lashley Financial will negotiate and arrange:

financial solutions such as deposit and money market accounts, loans and mortages, mutual funds and other investments
insurance coverage for all classes of insurance including life and health insurance, residential property and motor insurance, disability income and critical illness insurance, business insurance, annuities and pensions and liability insurance.

Continuing services

Your financial situation will need continuous monitoring to ensure that it keeps pace with changing conditions and remains on target to achieve your objectives as they evolve. This is our Financial Monitoring service and it includes the following components:

Monitoring your situation
Managing your financial information
Review and reporting on annual progress
Securing access to advice from us at any time.

Our Charges

Our preliminary fact-finding discussion is provided free of charge and without obligation. Fees for continuing the process leading to the preparation of your financial plan will be quoted after the first meeting.