cindy@cinergyfinancial.com
(714) 210-0549
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It is important to understand that our collective fears about retirement are connected to our lack of financial literacy. Fear is an irrational state that forces us to make poor choices or it can freeze us into inaction. When it comes to retirement advice, the...
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...
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...
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...