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.
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.
Most of us will live a long time in retirement – possibly as many as 20 years, without generating income through employment.
Are you covered against the primary critical illnesses, such as cancer, heart attack and stroke that can cause emotional and financial distress?
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.
Estate planning can have a lasting impact on your family – though not as much as not doing it.
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.
Investing requires the trade-off of present income (consumption) for future income (consumption).
Credit, like a knife, is neither good nor bad – it depends on the use to which it is put.
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.
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.
Everyone needs a financial plan for their life, from those with ten dollars to those with ten million. Life takes money – whether you plan or not.
The objective of investing is to receive a future flow of funds larger than the funds originally invested.
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.
Your broker works for you – not for the insurance company.
Lashley Financial is a growing company in its fifth year of operation delivering personal and business services to a range of individuals, private sector companies and the public sector.
The company was founded by Michael Lashley to allow clients to have “The best life in their time”. It represents his long held desire to create a people and principle-centred company, which focuses more on delivering the high quality solutions that his clients need – rather than on just “the bottom line”.
A passionate believer in “Caribbean integration through private endeavour”, he says that his objective in creating Lashley Financial is to work with Caribbean people, wherever they are in the world, to create prosperity through learning and action. This supports the Caribbean initiative to become the best place in the world to live, work and raise a family.
The services from Lashley Financial are targeted at all Caribbean people seeking to make a better life for themselves and their families, while working to improve life in their communities.
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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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