JY Advisory Group

31/08/2026

How do you know if you have hidden assumptions in your thinking?

This is what I helped my high income corporate leader client think through recently.

He is in his 40s, have a 6 figure income, solid savings and supposedly an inheritance waiting for him. On top of which he has siblings that shares the inheritance.

"Why do I need to take up long term commitments for retirement planning and risk having to worry about them if retrenchment happens? I already have inheritance."

I started asking questions related to 3 hidden assumptions that has to hold in order for his retirement strategy to work.

1️⃣ Nothing unforeseen causes the existing inheritance to be gone.

2️⃣ The inheritance left behind has to be sufficient to fund his lifestyle for his remaining life expectancy.

3️⃣ He can access this inheritance by the time he needs the money.

Often we don't think about certain scenarios because they seem unlikely.

However, if you only live once and have the power to plan for all scenarios, would you really want to leave your life to chance?

These are some of the conversations I work through with my clients.

☕️ If you also want to have a conversation to stress test your assumptions, DM 'CONVO' and I'll be in touch!

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28/08/2026

Here is how I help this business owner couple understand the consequences of their decisions and reframe their perspective.

This couple met me to review their portfolio because they are expecting their first child. They run a business together and they also own a car and have a helper. Recently, the wife also shared her concern that business might be affected by AI.

The husband is a non believer of insurance so he told the wife, they didn't have the resources for coverage.

Often this is a value perception.

Expensive is just another way of saying not worth it.

The risk for this couple could also be whether they would lose the lifestyle they are currently paying for if something unforeseen happens.

The fundamental question in such cases is whether they think the risk is worth protecting.

So I asked them 2 questions:

1️⃣ If illness or death occurs, would the family savings be set back by 5-10 years or more?

2️⃣ If anyone of them fell ill or passed on, can the family and business carry on as usual?

I believe it's okay to have a different set of priorities.

As long as they are an informed choice.

These are some of the conversations I have with my clients to help them make more informed choices.

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24/08/2026

The biggest risk in financial planning today may not be choosing someone you can’t trust.

It may be choosing someone you trust completely.

Because trust and competence are not the same thing.

A financial consultant can be friendly, responsive, sincere and genuinely care about you... and you can still have no idea whether your financial plan is actually working.

For a long time, trust was the standard.

Then came the comparison era.

Consumers became better informed. We compared fees, benefits, returns and products.

That was progress.

But we were still mostly asking:

“Which product is better?”

Today, I think financial planning is moving towards a better question:

“What exactly am I trying to achieve? Am I on track?”

👉🏻 What is the goal?
👉🏻 How much will it require?
👉🏻 Does my current strategy realistically get me there?

If those questions cannot be answered, there may be a planning gap.

Regardless of how much you trust the person advising you.

But here’s where it gets interesting.

AI may change the standard again.

AI can increasingly help people quantify goals, analyse numbers and map logical strategies.

Which means goal-based planning itself may eventually become the baseline, not the differentiator.

So what becomes valuable next?

Judgment + accountability.

Judgment when there isn’t one obvious answer.

Judgment to challenge assumptions instead of simply accepting them.

Judgment when life, markets and priorities don’t follow the original spreadsheet.

And accountability to keep revisiting the plan as circumstances change.

Financial planning has evolved:

Trust → Comparison → Goals → Judgment + Accountability

I believe the next generation of great financial consultants won’t just be people their clients trust.

They’ll be people whose judgment their clients trust.

Are you yet to be in the goal-based planning era, already in the Goal-based planning era or already preparing for the next phase?

19/08/2026

The price of becoming good at anything is being willing to look bad at it first.

Most adults don't stop learning because learning is hard.

They stop because being visibly bad at something is humiliating.

So, by 30, many of us have quietly limited our lives to things we already know how to do.

Bad at Chinese, so I joined Mandarin Toastmasters. Bad at tennis, so I hired a coach. Bad at social skills, so I read everything I could. Felt not good enough at financial planning, so I wrote 100+ articles until I felt confident.

I've learnt to treat "I'm bad at this" as a start date, not a verdict.

Everything you're good at today once required you to tolerate being bad at it.

The embarrassment fades.

The skill stays.

17/08/2026

Here is how I helped a civil servant in a senior leadership role dial down her risk exposure for the critical last 10 years before her retirement.

Her finances are stretched because she has to juggle the expenses of 3 kids while also catering for her own retirement.

In an ideal scenario, as long as she is investing with a long enough time horizon, her retirement would have something catered towards it.

The part most people overlook is what if the markets don't move in our favour within our investment time horizon?

It happened before during the Lost Decade between 2000 - 2009 where a series of 2 major crisis (dot com bubble and Lehman Brothers) affected market returns.

That's why a solid financial planning conversarion should not only consider best case scenarios.

It should cater for the worst case scenario.

Because we deserve to enjoy our golden years. Nobody wants to plan towards something then fall short despite planning for it.

It's easy to entice people with high returns through aggressive allocations in good times and bull markets.

Yet the merit of a solid financial portfolio is only tested in bad times and in bear markets.

Have you stress-tested if your portfolio is watertight or are there gaps you overlooked?

👉🏻 DM 'STRESS TEST' if you would like to stress test your existing financial portfolio and experience a different conversation.

07/08/2026

2 friends, both same age in their late 60s, with 2 kids, living in a landed house but very different profiles and risk tolerance.

One worked and saved her way to her present status. Kids working in high paying corporate jobs.

The other a business owner still providing advisory to her business. Son is the second gen owner, daughter also runs her own business.

They both are looking to manage money but with completely different needs.

An instrument can serve as a hook because of the rate of return, some features but if applied to the wrong need, you will get buyer remorse subsequently.

That's why a conversation should not start with the product. A good advisory conversation should start with your needs.

It sounds intuitive but the truth is, our decision making is often guided by who leads the convo.

Everyone sells "needs based" planning.

But only the advisors who can listen, understand your profile can identify your right needs and ask you better questions.

Food for thought.

👉🏻 DM 'NEEDS' if you would like to stress test your existing financial portfolio and experience a different conversation.

04/08/2026

Most of us think it's the stocks or funds we pick that can wreck our retirement.

When in reality the real risk is the YEAR we actually retire.

This is called the sequence of return risk.

Where losing money right when you start withdrawing money cost you more than losing it at the later stage of your retirement.

🔗 Full video link in bio
👉🏻 DM 'RETIRE' if you wish to stress test your retirement plan or start one.

31/07/2026

It's not uncommon to see a child has full suite insurance coverage but the parent has gap in theirs.

After more than 100 portfolio reviews on high income households...

It's quite common to find underinsured parents and sufficiently insured children.

The higher the income, the more glaring the gap.

Here's the thing high income parents don't see:

🫵🏻 You are the income and your kids are the dependents.

If something happens to you, who pays?

Your kids won't replace your paycheck.

It's not hypothetical.

Derek Ong, co-founder of a popular F&B group Tipsy Collective died suddenly, leaving a wife and 2 kids behind.

Unforeseen circumstances can happen to anyone.

🔗 Full video link in bio.
👉🏻 DM 'PROTECT' if you wish to have a second opinion on your existing portfolio.

23/07/2026

Have you ever met a high income professional or business owner who tells you, "I can't commit to my condo yet because I haven't bought my insurance."

After more than 10 years in financial services, I've never heard anyone say that.

But, I've encountered a client in his early 30s who got diagnosed with cancer and he hasn't worked for 3 years because he has issues moving around. Thankfully in his case, he got an insurance payout. This year, he moved into his new home.

One common planning risk responsible high income professionals make is to take on more long term high ticket commitments without covering their downside risk.

This can come in the form of housing, children and alternative investments.

When something that takes away the income earning capability happens, this is when regret sets in.

And over the years, I've noticed only 2 instances when high income professionals regret not covering their downside risk adequately.

1. When something bad happens and they don't have enough time to react to it.
2. When something major happens to someone they know and they freak out at their own gaps.

If you are a responsible high income professional or business owner wondering if your financial portfolio can be stress tested, watch the full video to see if you are at risk to all 3 structural timebombs.

🔗 Link in the bio.

16/03/2026

The number 1 retirement question most people cannot answer.

I have tried asking this question to doctors, lawyers, business owners, top executives...

“How close are you to dream retirement life?”

Let’s say you’ve been investing $2,000 every month for the past 8 years.

Your portfolio today shows $210,000.

Sounds responsible right?

Here's where most people get stumped:
Do you know what percentage of your retirement goal this $210k represents?

Are you:

🤔 10% there?
🤔 Halfway there?
🤔 90% done?
🤔 Or still very far away?

Most people don’t know.
Can you the reader answer this question for your own portfolio?

You see, most of us just keep saving and investing because we know it will get us somewhere.

Exactly what kind of life that pays for?

Most of us just optimistically assume it's a comfortable one.

Doesn't that make retirement planning feel like treasure hunting without a map?

You’re putting in the effort…

But you have no idea if you’re getting closer to the treasure.

In this video, I break down the Goals-to-Reality Approach we use with clients that changes this completely.

Many of them become more motivated to invest, because the destination finally feels real.

🎥 Watch the full breakdown here:

Janice specializes in creating a certainty framework for irreversible long term decisions through her Goals-to-Reality Approach (GTR Approach). If you wish t...