Want to make someone uncomfortable? Ask them if they’re ready for retirement. Because the truth is, a great percentage of those who cross the threshold into the offices of Cy Financial aren’t prepared. Thankfully, there’s much this father-son duo can do to change all that. This one-of-a-kind team has helped countless plan for their later years, and more importantly, enjoy them.
Located off of 130th Street in Overland Park, Mike “Cy” Cajthaml, Sr., CFP, ChFC, CLU, and his son Mike, Jr., help take the confusion and agitation out of retirement planning. Cy has been in the business since 1986, and in 2007 Mike, Jr., joined him after graduating from Marquette University in Milwaukee.
“We enjoy helping others lay out a roadmap to a safe and secure retirement,” Cy says. “We call it ‘The R.I.T.E. CY’s Retirement Plan’, because that’s what people really want. Our family-run business works with those who’re already retired or nearing retirement. When it comes to their hard-earned retirement assets, we promise our clients that we’ll work hard to help them ‘Sleep Well At Night and to Retire With Confidence!’”
Every member of this close-knit company is personally vested in its clients, and that difference shows. “We like to think of our clients as a part of our extended family—they’re certainly not just a number to us,” Cy adds.
This sort of personal focus ensures that clients receive a truly exceptional level of detailed attention. The company specializes in offering financial advisory services, including Managed-Money platforms, IRA and 401(k) rollovers, Roth IRAs, life insurance and long-term care insurance. Cy Financial is what the industry refers to as a “Comprehensive Financial Planning Firm.” In essence, both Cy and Mike, Jr., meet with clients and get to know their dreams and desires.
“We share with them the risks that retirement will place before them, and we plan a course of action that will take them, as safely as possible, to their destination,” Cy says. “It’s not what we think that’s important…it’s what makes a difference to them. We offer both investment-and insurance-based solutions to their problems.”
Cy Financial doesn’t require a minimum amount of assets from clients, as the family firm recognizes that the monies people have amassed in preparation for retirement is possibly all they’ve been able to save and it’s critical that it last a lifetime. “We respect that and position their funds accordingly,” Cy says. “We won’t let them run out of money before they run out of time.”
Another benefit? The company has a built-in succession plan, through Mike, Jr., so clients can be assured their money is in good hands through many a generation. In fact, the duo meets with clients together in every instance, so both a client’s situation and plans are fully known to both father and son.
“I think it’s an honor and a privilege to have a legacy-type business, working with my father and carrying that name on as we help our current clients as well as their own children,” Mike, Jr., says.
It’s his and his father’s greatest hope to also lead the younger generations to smooth financial sailing—avoiding the pitfalls they see all too often.
“The mistake most of us make is falling prey to the human nature of fear and greed,” Cy says. “We, unfortunately, make many decisions based upon emotion rather than a cool head—and that gets us into trouble. That’s why it’s great for people to work with a firm like Cy Financial. Managing wealth is a lot like mountain climbing. Climbing to the top is optional but getting down (in retirement) is mandatory! Like a good Sherpa, we set a path and guide our clients not only to the top, but then make sure their money lasts as long as they do and help them down that path in retirement.”
Cy Financial offers concrete answers to one of life’s most confusing and intimidating transitions—and in the process has earned the gratitude of countless footloose and fancy-free seniors.
For more information, visit CyFinancial.com