CY Financial Advice

CY Financial Advice operates from South Perth and provides financial planning, investment and retirement advice for individuals and families. Its client process is organised to make the steps from the first conversation to implementation and ongoing review clear.

Advisers first establish the client's current position and goals, then consider possible strategies before recommendations are put into effect. Superannuation, personal investments and household cash flow can be discussed together rather than treated as unrelated accounts.

Financial planning connects income, spending, liabilities and family responsibilities to goals with different time frames. The distinction between accessible reserves and money intended for future milestones provides a basis for later investment choices. Investment advice considers the purpose of capital, liquidity, cost and tolerance for volatility before selecting holdings. Individual investments are evaluated for the part they play in a broader financial strategy. Retirement planning considers both the transition out of employment and how savings will be used afterwards. Superannuation access, regular expenditure, cash reserves and longer-term investments may each have different roles.

For clients with accumulated assets, portfolio oversight and the later use of capital become important parts of planning. Family protection, estate intentions and changes in responsibility may also prompt a review of the existing strategy.