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Should I Lease Or Buy My Next Automobile?

Replacing an automobile is an inevitable and recurring life event, and clients often struggle to decide whether to lease or buy. There are advantages to both options and the analysis is not strictly financial. The needs, circumstances, and preferences of each individual client must be considered along with the overall costs. With many competing factors that bear different degrees of importance, it can be difficult for clients to prioritize their goals, weigh their options, and identify their best course.

To help you guide your clients as they consider whether to lease or buy an automobile, we have created this flowchart. It covers several key decision points for buying vs. leasing based on factors including:

  • Costs and cash flow
  • Mileage and use
  • Safety and technology
  • Depreciation
  • Flexibility
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