Redefining Financial Literacy: Unlocking the Hidden Forces of Your Financial Future (Hardcover)

Redefining Financial Literacy: Unlocking the Hidden Forces of Your Financial Future By Cindy Couyoumjian, R. F. Georgy (Contribution by) Cover Image
By Cindy Couyoumjian, R. F. Georgy (Contribution by)
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Redefining and Reclaiming Financial Literacy

As a certified financial planner with thirty-five years of industry experience, Cindy Couyoumjian is committed to filling the financial literacy void for many Americans. In her timely and thought-provoking book, Cindy gives a unique macro perspective of what she calls "the hidden forces behind your money," which are the unseen political and economic forces that may influence your investment decisions.

Through meticulous research, Cindy shows how these hidden forces have contributed to a complex retirement system, which includes pensions, social security, and what she believes is the outdated 60/40 investment model. To address this issue, Cindy spent endless hours developing a new multi-asset class investment methodology, known as the REALM model, that may offer broader investment strategies aimed to mitigate risk from the hidden forces that may negatively impact your goals.

Redefining Financial Literacy can help you

- Understand the complex macro forces that you cannot control, yet could determine your financial future,
- Take actionable steps to regain command of your retirement strategy,
- Build a retirement with potential durable income strategies, lesser volatility, and risk-adjusted returns.

Redefining Financial Literacy and Cindy's innovative REALM model can open your eyes to investment possibilities while helping you regain confidence in the American dream.

Diversification does not guarantee profit nor is it guaranteed to protect assets. There is no assurance that any strategy/model will achieve its objectives.
Registered Principal offers securities and advisory services through Independent Financial Group, LLC (IFG), a Registered Investment Adviser. Member FINRA/SIPC. IFG, Cinergy Financial, and Greenleaf Book Group are not affiliated companies.

About the Author

Cindy Couyoumjian is the founder of Cinergy Financial. She is a certified financial planner practitioner with 35 years of experience in the financial industry. She holds numerous securities licenses including her FINRA Series 63, 6, 65, 7, 22, 24, 26 and 31. In addition, Cindy also holds the California Insurance License (License # 0719038). Cindy is the architect behind the REALM investment portfolio, which is an innovative multi-asset-class portfolio that is both flexible and customizable to each individual investor. Beyond the numerous financial services Cindy offers, she is also an educator and motivational speaker. When she is not meeting with clients, you may find her giving her monthly lectures and seminars on such groundbreaking topics as the Google Mind, the Gilded Age, and the Moral Imperative of Financial Literacy. Cindy is also the host of two weekly radio shows on financial literacy. You can listen every Saturday from 8:30 am to 9:00 a.m. on AM870 KRLA, as well as 790AM KABC every Sunday from 6:30 a.m. to 7:00 a.m. and 11:00 a.m. to 11:30 a.m. Cindy is currently working on her next book, a powerful and unique exploration of the historically marginalized status of women from the perspective of hope and reconciliation. Women are today on the verge of defining their own narrative, and financial freedom will give them the courage to embrace their destiny as powerful agents of change.If you are interested in attending one of Cindy's lectures or you have a question or comment, please email her at You may also visit her website, to obtain information and updates on her latest projects.

Product Details
ISBN: 9781626347403
ISBN-10: 1626347409
Publisher: Greenleaf Book Group Press
Publication Date: April 6th, 2021
Pages: 288
Language: English