Redefining Financial Literacy • Cinergy Financial


Unlock the Hidden Forces of Your Financial Future

by Cindy Couyoumjian CFP®

Are you worried about retirement?

Do you wish to save better, feel more confident, and gain knowledge?

This is the book for you.

For 37 years, Cindy has been transforming investment mindsets and preparing clients for the retirement they deserve. Now, it’s your turn.

You will learn how to:

  • Unlock your financial future with smarter investing
  • Consider alternative investments
  • Pursue the American Dream for yourself and your family

Take a deep dive into the historical and economic forces that have shaped our financial world, and start taking action to unlock your financial future.

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Redefining Financial Literacy Book


Redefining and Reclaiming Financial Literacy

As a financial advisor with over thirty-six years of industry experience, Cindy Couyoumjian, CFP® 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have contributed to a complex retirement system, which includes pensions, social security, and what she believes is the outdated 60/40 investment model.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 explains how a potentially impactful multi-asset-class investment methodology, known as the REALM model, may offer broader investment strategies aimed to mitigate risk from the hidden forces that may negatively impact your goals for retirement.

Redefining Financial Literacy Book

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.

“Any woman looking to better manage her own retirement options and approaches needs to place Redefining Financial Literacy at the top of her financial reading list.”

D Donovan, Senior Reviewer
Midwest Book Review

“I am keeping the book on my desk as a handy reference. I would recommend the book Redefining Financial Literacy to fellow retirees and those nearing retirement who want new ideas to protect your future.”

Robert Fowler, President
Retirement Media Inc.

“Cindy Couyoumjian presents complex information in an easy-to-understand style that allows even the most financially unaware person to follow her guidance and instruction. Redefining Financial Literacy was not only an easy read, but it also presented me with actionable items to improve my personal finances for now and for the future.”

Mike McVay, President
McVay Media Consulting

“Step by step, Cindy Couyoumjian reveals the mysteries of how regular, working-class people can learn to save, invest, and plan for life-long financial security. This book empowers you to become comfortably educated with never before understood financial terms, words, initials, and strategies that will unlock the power of maximizing the long-term growth of your money.”

Ronelle Ingram
President, Emeritus, Business Technology Association,
and Best Selling Author

Redefining Financial Literacy Front cover

Cinergy is Committed to Financial Literacy.

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