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Investment Management: A Multi-Asset Approach

The 60/40 Portfolio is Potentially Broken Long before banks and other financial experts declared the 60/40 portfolio to be broken, I knew there was something wrong with this investment management. The 60/40 portfolio means that you invest 60% of your money in stocks...

Targeted Retirement Advice

When Should I Retire? This is perhaps the number one question I’m asked as a financial planner. The answer is much more nuanced than you could imagine. While men retire at an average age of 64 and women at 62, there are certain considerations we all need to...

How to Prepare for Retirement

I’m often asked the questions of when to retire and how much money do I need. Let me answer the second question first. As a general rule you need to replace 70% to 90% of your annual pre-retirement income. For example, let’s say a person who is about to retire is...

New Financial Literacy Book by Cindy Couyoumjian, CFP®

Hello! I’m Cindy Couyoumjian and I want to invite you to read my book, Redefining Financial Literacy. One of the disturbing ironies of American economic power is that we have one of the poorest financial literacy rates in the industrialized world. Consider the...

Financial Planning: Unlocking the Hidden Forces of Your Financial Future

Part of the reason my book has the title, Redefining Financial Literacy, is not only to bring awareness to the financial literacy crisis in this country but to also expand our traditional understanding of personal finance. If you do a quick search on Amazon for books...

Redefining Financial Literacy

According to former Federal Reserve Chairman, Alan Greenspan: “The number one problem in today’s generation and economy is lack of financial literacy.”1 The irony, of course, is that America represents the world’s most powerful economy, and yet we spend “a whopping...
Investment Management: A Multi-Asset Approach

Investment Management: A Multi-Asset Approach

The 60/40 Portfolio is Potentially Broken Long before banks and other financial experts declared the 60/40 portfolio to be broken, I knew there was something wrong with this investment management. The 60/40 portfolio means that you invest 60% of your money in stocks...

How to Prepare for Retirement

How to Prepare for Retirement

I’m often asked the questions of when to retire and how much money do I need. Let me answer the second question first. As a general rule you need to replace 70% to 90% of your annual pre-retirement income. For example, let’s say a person who is about to retire is...

How to Prepare for Retirement

I’m often asked the questions of when to retire and how much money do I need. Let me answer the second question first. As a general rule you need to replace 70% to 90% of your annual pre-retirement income. For example, let’s say a person who is about to retire is...

New Financial Literacy Book by Cindy Couyoumjian, CFP®

Hello! I’m Cindy Couyoumjian and I want to invite you to read my book, Redefining Financial Literacy. One of the disturbing ironies of American economic power is that we have one of the poorest financial literacy rates in the industrialized world. Consider the...

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Targeted Retirement Advice

Targeted Retirement Advice

When Should I Retire? This is perhaps the number one question I’m asked as a financial planner. The answer is much more nuanced than you could imagine. While men retire at an average age of 64 and women at 62, there are certain considerations we all need to...

How to Prepare for Retirement

How to Prepare for Retirement

I’m often asked the questions of when to retire and how much money do I need. Let me answer the second question first. As a general rule you need to replace 70% to 90% of your annual pre-retirement income. For example, let’s say a person who is about to retire is...

New Financial Literacy Book by Cindy Couyoumjian, CFP®

New Financial Literacy Book by Cindy Couyoumjian, CFP®

Hello! I’m Cindy Couyoumjian and I want to invite you to read my book, Redefining Financial Literacy. One of the disturbing ironies of American economic power is that we have one of the poorest financial literacy rates in the industrialized world. Consider the...

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