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have contributed to a complex retirement system, which includes pensions, social security, and what she believes is the outdated 60/40 investment model.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.

Cindy Couyoumjian—founder of Cinergy Financial, with over 36 years of experience—is on a mission to empower women to stop being spectators and enter the financial arena; to stand up and assert their inalienable right to financial self-determination. Although today in the US, women are making gains in higher education, hold corporate positions, and are successful leaders, men still control most of the household wealth. Yet women are powerful agents of change with boundless potential in the financial realm. In The Rise of Women and Wealth, Cindy shows that by confronting America’s patriarchal past, women can become financially literate; reclaim the power and liberty that have been taken away; embrace a financial future filled with endless possibilities; strongly affirm, “Yes, I can.” Women everywhere must find the courage, strength, and inspiration to move forward by understanding the past. Cindy’s message is a hopeful one, filled with intuitive truths about a brighter tomorrow for women and their financial power and freedom. Cindy Couyoumjian is a Registered Representative offering securities and advisory services through Independent Financial Group LLC (IFG), a Registered Investment Adviser. Member FINRA/SIPC. Cinergy Financial Greenleaf Book Group Press, R. F. Georgy, and IFG are unaffiliated.

Redefining Financial Services explores the fundamental redefinition of the role of financial intermediaries in the new century. Combining empirical knowledge with a historical approach, the author reveals that seven centuries of advances in technology have changed the nature of financial services very little. Examining the state of financial services today in the context of the new economy's evolution, Joe DiVanna investigates what changes are happening in the financial industry, where they are occurring, how they are materializing and, more importantly, why.

As the leading edge of the 'Baby Boom' generation attains age 60, members of this unusually large cohort born 1946-66 are poised to redefine retirement - just as they have restructured educational, housing, and labor markets in prior days. Looking ahead, their numbers and energy are sure to have a major impact on national pensions, healthcare, and social safety nets. Contributors to this volume note that 'Boomers' will be better off than their predecessors in many ways, having benefited from the long run-up in housing prices, dramatic improvements in healthcare, and the expanding economy. On the other hand, the generation's sheer size will surely squeeze resources and require new approaches to retirement risk management. This volume paints a complex and fascinating picture as Boomers move into retirement. On average they are in better financial and physical health than prior cohorts, and they can be anticipated to fare better than current retirees in absolute terms. Yet the distribution of retiree income and wealth will be less equal than in earlier years, and in relative terms, many Boomers will be less well off than their forebears. Contributors to the volume use many invaluable models and datasets, including the incomparable Health and Retirement Study (HRS) which affords unique insights into the status of mature adults surveyed at the same age and hence same point in their life cycles, but at three different time periods. Analysts offer new evidence about prospects for health and income during retirement, as well as pensions and housing equity, health, portfolio allocation, and financial literacy. This book offers readers an invaluable and first book-length study of Boomers as they march into retirement. As such, it represents an invaluable addition to the Pension Research Council/Oxford University Press series. It will be especially useful for scholars and policymakers seeking to understand retirement preparedness, to actuaries and tax specialists concerned with retirement system regulation, and to plan sponsors interested in the determinants of work and retirement at older ages.

Retirement does not have to be stressful and scary. With proper planning, Americans can not only retire comfortably: They can also prosper. ​Cindy Couyoumjian’s third book explores the silent retirement crisis that will impact millions of Americans. She uses the term silent to convey the idea that the majority of those who are about to retire, or are in retirement, share a common and unspoken fear—running out of money. Couyoumjian asserts that the anxiety people have about their retirement is not a misdirected emotion. We are led to believe that the fear (silent as it is) is due to our lack of financial literacy or not having a financial plan in place. While some of this is true, it’s not totally our fault: Her book addresses the big-picture, systemic problems that conspire against average Americans while favoring the wealthy few. The first third of the book explores how broken capitalism has contributed to our broken retirement system. The second third offers us a new way of thinking and investing, underscoring how university endowments have achieved extraordinary return by using a multi-asset class investment approach. Part III offers meaningful solutions to the retirement crisis. The author introduces us to her flexible and customizable REALM model designed to potentially protect clients from sudden market losses. Also included is other valuable information such as estate planning, tax strategies, 401(k) rollover options, life insurance, and long-term care initiatives. Couyoumjian shows us that retirement planning isn’t just savings and investing. With an umbrella of other planning items, we can take action to make the difference between an anxious retirement defined by uncertainty and a comfortable one, grounded in prosperity. Founder of Cinergy Financial, Cindy Couyoumjian believes financial literacy is a moral imperative and has dedicated her professional life to helping people understand the constantly evolving financial and economic landscape. With 37 years of industry experience, she is a leader in the financial industry, managing over $200,000,000 in assets. She is the author of two previous best-selling books, Redefining Financial Literacy, (2021) and The Rise of Women and Wealth (2022). She has appeared on NBC, CBS, FOX 40, talk radio AM870 and 790 KABC, and was a brand contributor to Forbes in 2020. Her dedication and commitment to empower with facts, not fear, are unwavering as she continues to educate and guide her clients toward their individualized financial goals and objectives.

The pursuit of financial well-being has become an increasingly complex challenge for individuals and societies alike. The subjective nature of financial well-being, shaped by diverse aspirations, values, and external circumstances, underscores the need for a nuanced exploration of the factors influencing it. In this context, the book Emerging Perspectives on Financial Well-Being takes center stage as a beacon of understanding, delving into the multifaceted dimensions of financial wellness. Within the pages of this volume, the critical issues surrounding financial well-being are dissected, addressing the need for financial education, disciplined management, and goal setting amidst an ever-changing economic backdrop. The book recognizes that sound financial decision-making is not only crucial for individual satisfaction but also carries far-reaching implications for the broader societal and organizational framework. As we navigate uncertain times, the importance of adequate financial knowledge and planning skills comes to the forefront. This book stands as a response to the complexities within the financial system, aiming to establish a structural determinants framework that broadens our comprehension of financial well-being. This book guides readers through the complexities of financial well-being. It offers valuable insights for academic scholars, researchers, and practitioners seeking to enhance their understanding and contribute to the ongoing discourse on achieving financial prosperity in today's dynamic world.

Through art-based instructional processes that stimulate students' affective awareness, it encourages facilitation of compassionate environments founded on principles of selflessness and will prove invaluable for researchers, leaders and practitioners in the field of social education.

The hunt for new forms of value generation is shaping the future of economic and financial interactions, leading to the emergence of innovative business models and technological enablers. Other than challenging our time and space limits, such technological advancements, in some cases, have allowed the generation of value at nearly zero marginal cost. Inevitably, emergent tech solutions are fundamental game changers in digital and conventional finance. In this regard, the book fleshes out the core developments and trending fintech 2.0 solutions that pause challenges and bring opportunities for businesses and economies. It comprises nine main chapters with collective insights and interdisciplinary perspectives covering the business, tech, and regulatory layers of financial technologies and decentralized finance. Besides, the book illustrates how to leverage these state-of-the-art technologies for the evolving digital and decentralized finance world. The book targets a broad audience of researchers, academia, industry professionals, fintech enthusiasts, and the general business audience with timely data and up-to-date cases.

Mindful Social Studies: Frameworks for Social Emotional Learning and Critically Engaged Citizens situates the field of social studies education as uniquely poised to integrate anti-racist, equity, and asset-based pedagogies with contemplative, mindfulness-based strategies to promote the knowledge, skills, and dispositions students need to be effective citizens. Students’ Social Emotional Learning (SEL) hinges upon their experience(s) engaging in authentic learning that strengthens cognitive skills, including critical thinking, self-awareness, reflection, compassion, empathy, and perspective taking. In this volume, the co-editors have curated reflective K-16 practitioner-style, research-focused, and theory-based chapters that explore social justice-orientated contemplative pedagogies, as well as mindfulness-related frameworks and strategies for teaching social studies and the social and behavioral sciences. In this book, chapter authors explore ways of cultivating specific mindfulness-related social studies dispositions and transformative rationales and approaches for critical mindfulness and SEL based on compelling arguments for meeting the needs of students, families, and educators in a dynamic and increasingly diverse society.