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

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.

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.

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.

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

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

Investing requires the trade-off of present income (consumption) for future income (consumption).

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

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.

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

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.

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.

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

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.

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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