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.
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.
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.
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.
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.
A home is one of the largest purchases most people make during their lifetime. Therefore, homeowners' insurance protection is critical and strongly recommended.
Credit, like a knife, is neither good nor bad – it depends on the use to which it is put.
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.
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.
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.
Your broker works for you – not for the insurance company.
Most of us will live a long time in retirement – possibly as many as 20 years, without generating income through employment.
It is with great pleasure that we welcome you to Lashley Financial.
Lashley Financial is a people-centred company, which focuses on delivering high quality solutions that our clients need – not just on our bottom line.
We offer a comprehensive range of personal financial services, insurance broking, training and business guidance. The full list of our services is available on the website.
These may not appear to be new – “same wine, different wine skins”. However, we are a service company and much of what is different is the quality of the experience we offer you in working with us. That experience is based on the five principles below.
It starts with our basic philosophy of “People First!!”. For us this means respect for you and for your business. Our Company is founded on a commitment to do what is right for you as this will drive our mutual prosperity in the long-term. For you this will mean that you can be assured that the recommendations we make and the solutions we offer are best for you and your family.
Secondly, we recognise that our business is about creating, nurturing and sustaining relationships. For you this means that we will listen first to you and always treat our relationship with you as the source of value – and not the next sale.
The third difference is the level of service and professionalism you can expect. In addition to the basic things like courtesy and returning calls promptly, you can expect strict confidentiality, a “can do” attitude and a straightforward response to your needs. For you this will mean that dealing with us will be an easy and pleasurable experience.
Fourth is our approach to educating our customers on what we are recommending and why we believe that this is 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.
The final, and a key difference, is the level of expertise and experience you will be able to benefit from when working with Lashley Financial. Our commitment is that the person dealing with you and your business will have significant practical experience and training to bring to bear on addressing your needs. For you this will mean quality solutions that will work for you and your family.
We will live these principles – and we ask you to hold us accountable in all our interactions with you.
We look forward to working with you.
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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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