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.
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.
A home is one of the largest purchases most people make during their lifetime. Therefore, homeowners' insurance protection is critical and strongly recommended.
The purpose of investing is to improve our future circumstances or future lifestyle.
Investing requires the trade-off of present income (consumption) for future income (consumption).
Most of us will live a long time in retirement – possibly as many as 20 years, without generating income through employment.
There are three ways to manage money: Market timing, security selection, and asset allocation. The first two, in our view, involve too much luck and risk.
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.
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.
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.
You will need 4 to 10 times the amount you paid for your house to enjoy a comfortable retirement.
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.
Cash management is the understanding and analysis of what you earn, what is deducted (e.g. taxes), what you spend and what you save.
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.
Credit, like a knife, is neither good nor bad – it depends on the use to which it is put.
At Lashley Financial, we do not seek to “sell” anything to you. What we seek to do is to help you “buy well”.
Buying well requires an educated customer. And we are not talking about your certificates and qualifications. A Lashley Financial customer will 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 and our competitors, so that you will know that you are making the right decision for you and your family or for your company.
We believe that educated customers will choose us.
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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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