Financial Literacy

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While researching for her book, Cindy Couyoumjian, a Certified Financial Planner with over 3 decades in the financial industry, came to an alarming realization about our society… most Americans have become financially illiterate. Now, her mission is to awaken individual investors and empower you with facts and knowledge to help you make better financial decisions. Check the background of this investment professional on FINRA’s BrokerCheck. Registered Representative offering securities and advisory services through Independent Financial Group LLC (IFG), a registered broker-dealer and investment adviser. Member FINRA/SIPC. Cinergy Financial and IFG are unaffiliated entities. Content provided for information & education only. It is not meant to be a recommendation to buy or to sell securities nor an offer to buy or sell securities. No investment process is free of risk; no strategy or risk management technique can guarantee returns or eliminate risk in any market environment. There is no guarantee that our investment strategies will be profitable. Licensed to sell securities in the following states: AZ, CA, CO, DC, FL, GA, ID, IL, IN, IA, LA, ME, MD, MI, MO, NV, NH, NJ, NM, NY. NC, OH, OR, PA, SC, TN, TX, UT, VA, & WA. Information provided is from sources believed to be reliable however, we cannot guarantee or represent that it is accurate or complete. Because situations vary, any information provided on this site is not intended to indicate suitability for any particular investor. Hyperlinks are provided as a courtesy and should not be deemed as an endorsement. When you link to a third party website you are leaving our site and assume total responsibility for your use or activity on the third party sites.

Cindy Couyoumjian


    • Jan 27, 2021 LATEST EPISODE
    • infrequent NEW EPISODES
    • 11m AVG DURATION
    • 31 EPISODES


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    Latest episodes from Financial Literacy

    Ep 031: How It's Possible To “Go Broke, Safely”

    Play Episode Listen Later Jan 27, 2021 9:57


    Check the background of this investment professional on FINRA's BrokerCheck. Registered Representative offering securities and advisory services through Independent Financial Group LLC (IFG), a registered broker-dealer and investment adviser. Member FINRA/SIPC. Cinergy Financial and IFG are unaffiliated entities. Content provided for information & education only. It is not meant to be a recommendation to buy or to sell securities nor an offer to buy or sell securities. No investment process is free of risk; no strategy or risk management technique can guarantee returns or eliminate risk in any market environment. There is no guarantee that our investment strategies will be profitable. Licensed to sell securities in the following states: AZ, CA, DC, FL, GA, ID, IN, IA, LA, MD, MI, MO, NV, NH, NJ, NM, NY. NC, OH, OR, PA, TN, TX, UT, & WA. Information provided is from sources believed to be reliable however, we cannot guarantee or represent that it is accurate or complete. Because situations vary, any information provided on this site is not intended to indicate suitability for any particular investor. Hyperlinks are provided as a courtesy and should not be deemed as an endorsement. When you link to a third-party website you are leaving our site and assume total responsibility for your use or activity on the third-party sites.

    Ep 030: The Average Worker Has High Retirement Expectations, Perhaps TOO High

    Play Episode Listen Later Jan 20, 2021 8:39


    Check the background of this investment professional on FINRA's BrokerCheck. Registered Representative offering securities and advisory services through Independent Financial Group LLC (IFG), a registered broker-dealer and investment adviser. Member FINRA/SIPC. Cinergy Financial and IFG are unaffiliated entities. Content provided for information & education only. It is not meant to be a recommendation to buy or to sell securities nor an offer to buy or sell securities. No investment process is free of risk; no strategy or risk management technique can guarantee returns or eliminate risk in any market environment. There is no guarantee that our investment strategies will be profitable. Licensed to sell securities in the following states: AZ, CA, DC, FL, GA, ID, IN, IA, LA, MD, MI, MO, NV, NH, NJ, NM, NY. NC, OH, OR, PA, TN, TX, UT, & WA. Information provided is from sources believed to be reliable however, we cannot guarantee or represent that it is accurate or complete. Because situations vary, any information provided on this site is not intended to indicate suitability for any particular investor. Hyperlinks are provided as a courtesy and should not be deemed as an endorsement. When you link to a third-party website you are leaving our site and assume total responsibility for your use or activity on the third-party sites.

    Ep 029: Worried The Pandemic Will Delay Your Retirement? Take Steps To Reengage With Savings Plan

    Play Episode Listen Later Jan 13, 2021 10:25


    Check the background of this investment professional on FINRA's BrokerCheck. Registered Representative offering securities and advisory services through Independent Financial Group LLC (IFG), a registered broker-dealer and investment adviser. Member FINRA/SIPC. Cinergy Financial and IFG are unaffiliated entities. Content provided for information & education only. It is not meant to be a recommendation to buy or to sell securities nor an offer to buy or sell securities. No investment process is free of risk; no strategy or risk management technique can guarantee returns or eliminate risk in any market environment. There is no guarantee that our investment strategies will be profitable. Licensed to sell securities in the following states: AZ, CA, DC, FL, GA, ID, IN, IA, LA, MD, MI, MO, NV, NH, NJ, NM, NY. NC, OH, OR, PA, TN, TX, UT, & WA. Information provided is from sources believed to be reliable however, we cannot guarantee or represent that it is accurate or complete. Because situations vary, any information provided on this site is not intended to indicate suitability for any particular investor. Hyperlinks are provided as a courtesy and should not be deemed as an endorsement. When you link to a third-party website you are leaving our site and assume total responsibility for your use or activity on the third-party sites.

    Ep 028: When Can You Finally Retire? You Need To Consider These Three Basic Factors

    Play Episode Listen Later Dec 23, 2020 9:27


    Check the background of this investment professional on FINRA's BrokerCheck. Registered Representative offering securities and advisory services through Independent Financial Group LLC (IFG), a registered broker-dealer and investment adviser. Member FINRA/SIPC. Cinergy Financial and IFG are unaffiliated entities. Content provided for information & education only. It is not meant to be a recommendation to buy or to sell securities nor an offer to buy or sell securities. No investment process is free of risk; no strategy or risk management technique can guarantee returns or eliminate risk in any market environment. There is no guarantee that our investment strategies will be profitable. Licensed to sell securities in the following states: AZ, CA, DC, FL, GA, ID, IN, IA, LA, MD, MI, MO, NV, NH, NJ, NM, NY. NC, OH, OR, PA, TN, TX, UT, & WA. Information provided is from sources believed to be reliable however, we cannot guarantee or represent that it is accurate or complete. Because situations vary, any information provided on this site is not intended to indicate suitability for any particular investor. Hyperlinks are provided as a courtesy and should not be deemed as an endorsement. When you link to a third-party website you are leaving our site and assume total responsibility for your use or activity on the third-party sites.

    Ep 027: End Of Year Tax Strategies - With The Undecided Senate, Should You Wait Or Are There Opportunities To Consider Before The Year's End?

    Play Episode Listen Later Dec 16, 2020 9:08


    Check the background of this investment professional on FINRA's BrokerCheck. Registered Representative offering securities and advisory services through Independent Financial Group LLC (IFG), a registered broker-dealer and investment adviser. Member FINRA/SIPC. Cinergy Financial and IFG are unaffiliated entities. Content provided for information & education only. It is not meant to be a recommendation to buy or to sell securities nor an offer to buy or sell securities. No investment process is free of risk; no strategy or risk management technique can guarantee returns or eliminate risk in any market environment. There is no guarantee that our investment strategies will be profitable. Licensed to sell securities in the following states: AZ, CA, DC, FL, GA, ID, IN, IA, LA, MD, MI, MO, NV, NH, NJ, NM, NY. NC, OH, OR, PA, TN, TX, UT, & WA. Information provided is from sources believed to be reliable however, we cannot guarantee or represent that it is accurate or complete. Because situations vary, any information provided on this site is not intended to indicate suitability for any particular investor. Hyperlinks are provided as a courtesy and should not be deemed as an endorsement. When you link to a third-party website you are leaving our site and assume total responsibility for your use or activity on the third-party sites.

    Ep 026: What Retirement Risk Worries You Most?...You Might Be Focusing On The Wrong Thing

    Play Episode Listen Later Dec 9, 2020 10:37


    Check the background of this investment professional on FINRA's BrokerCheck. Registered Representative offering securities and advisory services through Independent Financial Group LLC (IFG), a registered broker-dealer and investment adviser. Member FINRA/SIPC. Cinergy Financial and IFG are unaffiliated entities. Content provided for information & education only. It is not meant to be a recommendation to buy or to sell securities nor an offer to buy or sell securities. No investment process is free of risk; no strategy or risk management technique can guarantee returns or eliminate risk in any market environment. There is no guarantee that our investment strategies will be profitable. Licensed to sell securities in the following states: AZ, CA, DC, FL, GA, ID, IN, IA, LA, MD, MI, MO, NV, NH, NJ, NM, NY. NC, OH, OR, PA, TN, TX, UT, & WA. Information provided is from sources believed to be reliable however, we cannot guarantee or represent that it is accurate or complete. Because situations vary, any information provided on this site is not intended to indicate suitability for any particular investor. Hyperlinks are provided as a courtesy and should not be deemed as an endorsement. When you link to a third-party website you are leaving our site and assume total responsibility for your use or activity on the third-party sites.

    Ep 025: The Wealth Attrition Rate Affects 90% Of Family Fortunes…What Can You Do To Help Protect Your Family Through Proper Estate And Long Term Care Planning

    Play Episode Listen Later Nov 25, 2020 18:53


    Check the background of this investment professional on FINRA's BrokerCheck. Registered Representative offering securities and advisory services through Independent Financial Group LLC (IFG), a registered broker-dealer and investment adviser. Member FINRA/SIPC. Cinergy Financial and IFG are unaffiliated entities. Content provided for information & education only. It is not meant to be a recommendation to buy or to sell securities nor an offer to buy or sell securities. No investment process is free of risk; no strategy or risk management technique can guarantee returns or eliminate risk in any market environment. There is no guarantee that our investment strategies will be profitable. Licensed to sell securities in the following states: AZ, CA, DC, FL, GA, ID, IN, IA, LA, MD, MI, MO, NV, NH, NJ, NM, NY. NC, OH, OR, PA, TN, TX, UT, & WA. Information provided is from sources believed to be reliable however, we cannot guarantee or represent that it is accurate or complete. Because situations vary, any information provided on this site is not intended to indicate suitability for any particular investor. Hyperlinks are provided as a courtesy and should not be deemed as an endorsement. When you link to a third-party website you are leaving our site and assume total responsibility for your use or activity on the third-party sites.

    Ep 024: Should Election Results Affect How We Invest? And, What NOT To Do When Preparing For Retirement

    Play Episode Listen Later Nov 18, 2020 16:36


    Check the background of this investment professional on FINRA's BrokerCheck. Registered Representative offering securities and advisory services through Independent Financial Group LLC (IFG), a registered broker-dealer and investment adviser. Member FINRA/SIPC. Cinergy Financial and IFG are unaffiliated entities. Content provided for information & education only. It is not meant to be a recommendation to buy or to sell securities nor an offer to buy or sell securities. No investment process is free of risk; no strategy or risk management technique can guarantee returns or eliminate risk in any market environment. There is no guarantee that our investment strategies will be profitable. Licensed to sell securities in the following states: AZ, CA, DC, FL, GA, ID, IN, IA, LA, MD, MI, MO, NV, NH, NJ, NM, NY. NC, OH, OR, PA, TN, TX, UT, & WA. Information provided is from sources believed to be reliable however, we cannot guarantee or represent that it is accurate or complete. Because situations vary, any information provided on this site is not intended to indicate suitability for any particular investor. Hyperlinks are provided as a courtesy and should not be deemed as an endorsement. When you link to a third-party website you are leaving our site and assume total responsibility for your use or activity on the third-party sites.

    Ep 023: What Can Happen To Your Retirement Money In JUST 2 Decades, And Ways To Better Protect It

    Play Episode Listen Later Nov 11, 2020 13:11


    Check the background of this investment professional on FINRA's BrokerCheck. Registered Representative offering securities and advisory services through Independent Financial Group LLC (IFG), a registered broker-dealer and investment adviser. Member FINRA/SIPC. Cinergy Financial and IFG are unaffiliated entities. Content provided for information & education only. It is not meant to be a recommendation to buy or to sell securities nor an offer to buy or sell securities. No investment process is free of risk; no strategy or risk management technique can guarantee returns or eliminate risk in any market environment. There is no guarantee that our investment strategies will be profitable. Licensed to sell securities in the following states: AZ, CA, DC, FL, GA, ID, IN, IA, LA, MD, MI, MO, NV, NH, NJ, NM, NY. NC, OH, OR, PA, TN, TX, UT, & WA. Information provided is from sources believed to be reliable however, we cannot guarantee or represent that it is accurate or complete. Because situations vary, any information provided on this site is not intended to indicate suitability for any particular investor. Hyperlinks are provided as a courtesy and should not be deemed as an endorsement. When you link to a third-party website you are leaving our site and assume total responsibility for your use or activity on the third-party sites.

    Ep 022: Is The Worst Of The Market Crash Behind Us? Why You Should Hope For The Best, And Plan For The Worst 

    Play Episode Listen Later Nov 4, 2020 11:11


    Check the background of this investment professional on FINRA's BrokerCheck. Registered Representative offering securities and advisory services through Independent Financial Group LLC (IFG), a registered broker-dealer and investment adviser. Member FINRA/SIPC. Cinergy Financial and IFG are unaffiliated entities. Content provided for information & education only. It is not meant to be a recommendation to buy or to sell securities nor an offer to buy or sell securities. No investment process is free of risk; no strategy or risk management technique can guarantee returns or eliminate risk in any market environment. There is no guarantee that our investment strategies will be profitable. Licensed to sell securities in the following states: AZ, CA, DC, FL, GA, ID, IN, IA, LA, MD, MI, MO, NV, NH, NJ, NM, NY. NC, OH, OR, PA, TN, TX, UT, & WA. Information provided is from sources believed to be reliable however, we cannot guarantee or represent that it is accurate or complete. Because situations vary, any information provided on this site is not intended to indicate suitability for any particular investor. Hyperlinks are provided as a courtesy and should not be deemed as an endorsement. When you link to a third-party website you are leaving our site and assume total responsibility for your use or activity on the third-party sites.

    Ep 021: 401(k)'s Are Common Yet We Often Make This Expensive Mistake With Them, And These Are The Top Questions People Have Financial Advisors Right Now

    Play Episode Listen Later Oct 28, 2020 17:46


    Check the background of this investment professional on FINRA's BrokerCheck. Registered Representative offering securities and advisory services through Independent Financial Group LLC (IFG), a registered broker-dealer and investment adviser. Member FINRA/SIPC. Cinergy Financial and IFG are unaffiliated entities. Content provided for information & education only. It is not meant to be a recommendation to buy or to sell securities nor an offer to buy or sell securities. No investment process is free of risk; no strategy or risk management technique can guarantee returns or eliminate risk in any market environment. There is no guarantee that our investment strategies will be profitable. Licensed to sell securities in the following states: AZ, CA, DC, FL, GA, ID, IN, IA, LA, MD, MI, MO, NV, NH, NJ, NM, NY. NC, OH, OR, PA, TN, TX, UT, & WA. Information provided is from sources believed to be reliable however, we cannot guarantee or represent that it is accurate or complete. Because situations vary, any information provided on this site is not intended to indicate suitability for any particular investor. Hyperlinks are provided as a courtesy and should not be deemed as an endorsement. When you link to a third-party website you are leaving our site and assume total responsibility for your use or activity on the third-party sites.

    Ep 020: "Behavioral” Risk Is Real, Are You Protected From It?

    Play Episode Listen Later Oct 14, 2020 9:25


    Check the background of this investment professional on FINRA's BrokerCheck. Registered Representative offering securities and advisory services through Independent Financial Group LLC (IFG), a registered broker-dealer and investment adviser. Member FINRA/SIPC. Cinergy Financial and IFG are unaffiliated entities. Content provided for information & education only. It is not meant to be a recommendation to buy or to sell securities nor an offer to buy or sell securities. No investment process is free of risk; no strategy or risk management technique can guarantee returns or eliminate risk in any market environment. There is no guarantee that our investment strategies will be profitable. Licensed to sell securities in the following states: AZ, CA, DC, FL, GA, ID, IN, IA, LA, MD, MI, MO, NV, NH, NJ, NM, NY. NC, OH, OR, PA, TN, TX, UT, & WA. Information provided is from sources believed to be reliable however, we cannot guarantee or represent that it is accurate or complete. Because situations vary, any information provided on this site is not intended to indicate suitability for any particular investor. Hyperlinks are provided as a courtesy and should not be deemed as an endorsement. When you link to a third-party website you are leaving our site and assume total responsibility for your use or activity on the third-party sites.

    Ep 019: If Your Company Is Offering A Pension Buyout Offer, What Should Do?

    Play Episode Listen Later Oct 7, 2020 11:54


    Check the background of this investment professional on FINRA's BrokerCheck. Registered Representative offering securities and advisory services through Independent Financial Group LLC (IFG), a registered broker-dealer and investment adviser. Member FINRA/SIPC. Cinergy Financial and IFG are unaffiliated entities. Content provided for information & education only. It is not meant to be a recommendation to buy or to sell securities nor an offer to buy or sell securities. No investment process is free of risk; no strategy or risk management technique can guarantee returns or eliminate risk in any market environment. There is no guarantee that our investment strategies will be profitable. Licensed to sell securities in the following states: AZ, CA, DC, FL, GA, ID, IN, IA, LA, MD, MI, MO, NV, NH, NJ, NM, NY. NC, OH, OR, PA, TN, TX, UT, & WA. Information provided is from sources believed to be reliable however, we cannot guarantee or represent that it is accurate or complete. Because situations vary, any information provided on this site is not intended to indicate suitability for any particular investor. Hyperlinks are provided as a courtesy and should not be deemed as an endorsement. When you link to a third-party website you are leaving our site and assume total responsibility for your use or activity on the third-party sites.

    Ep 018: The “3-Legged Stool” Is Losing Its Balance, What Can You Do To Re-Balance YOUR Retirement Income Legs

    Play Episode Listen Later Sep 30, 2020 12:10


    Check the background of this investment professional on FINRA's BrokerCheck. Registered Representative offering securities and advisory services through Independent Financial Group LLC (IFG), a registered broker-dealer and investment adviser. Member FINRA/SIPC. Cinergy Financial and IFG are unaffiliated entities. Content provided for information & education only. It is not meant to be a recommendation to buy or to sell securities nor an offer to buy or sell securities. No investment process is free of risk; no strategy or risk management technique can guarantee returns or eliminate risk in any market environment. There is no guarantee that our investment strategies will be profitable. Licensed to sell securities in the following states: AZ, CA, DC, FL, GA, ID, IN, IA, LA, MD, MI, MO, NV, NH, NJ, NM, NY. NC, OH, OR, PA, TN, TX, UT, & WA. Information provided is from sources believed to be reliable however, we cannot guarantee or represent that it is accurate or complete. Because situations vary, any information provided on this site is not intended to indicate suitability for any particular investor. Hyperlinks are provided as a courtesy and should not be deemed as an endorsement. When you link to a third-party website you are leaving our site and assume total responsibility for your use or activity on the third-party sites.

    Ep 017: What You Need To Know Before You Enroll For Medicare

    Play Episode Listen Later Sep 23, 2020 12:28


    Check the background of this investment professional on FINRA's BrokerCheck. Registered Representative offering securities and advisory services through Independent Financial Group LLC (IFG), a registered broker-dealer and investment adviser. Member FINRA/SIPC. Cinergy Financial and IFG are unaffiliated entities. Content provided for information & education only. It is not meant to be a recommendation to buy or to sell securities nor an offer to buy or sell securities. No investment process is free of risk; no strategy or risk management technique can guarantee returns or eliminate risk in any market environment. There is no guarantee that our investment strategies will be profitable. Licensed to sell securities in the following states: AZ, CA, DC, FL, GA, ID, IN, IA, LA, MD, MI, MO, NV, NH, NJ, NM, NY. NC, OH, OR, PA, TN, TX, UT, & WA. Information provided is from sources believed to be reliable however, we cannot guarantee or represent that it is accurate or complete. Because situations vary, any information provided on this site is not intended to indicate suitability for any particular investor. Hyperlinks are provided as a courtesy and should not be deemed as an endorsement. When you link to a third-party website you are leaving our site and assume total responsibility for your use or activity on the third-party sites.

    Ep 016: Why You Need To Know Your Net Worth, And Is It EVER A Good Idea To Buy Individual Stocks?

    Play Episode Listen Later Sep 9, 2020 11:35


    Check the background of this investment professional on FINRA's BrokerCheck. Registered Representative offering securities and advisory services through Independent Financial Group LLC (IFG), a registered broker-dealer and investment adviser. Member FINRA/SIPC. Cinergy Financial and IFG are unaffiliated entities. Content provided for information & education only. It is not meant to be a recommendation to buy or to sell securities nor an offer to buy or sell securities. No investment process is free of risk; no strategy or risk management technique can guarantee returns or eliminate risk in any market environment. There is no guarantee that our investment strategies will be profitable. Licensed to sell securities in the following states: AZ, CA, DC, FL, GA, ID, IN, IA, LA, MD, MI, MO, NV, NH, NJ, NM, NY. NC, OH, OR, PA, TN, TX, UT, & WA. Information provided is from sources believed to be reliable however, we cannot guarantee or represent that it is accurate or complete. Because situations vary, any information provided on this site is not intended to indicate suitability for any particular investor. Hyperlinks are provided as a courtesy and should not be deemed as an endorsement. When you link to a third-party website you are leaving our site and assume total responsibility for your use or activity on the third-party sites.

    Ep 015: They Call It The “Annuity Puzzle” For A Reason

    Play Episode Listen Later Sep 2, 2020 20:39


    Check the background of this investment professional on FINRA's BrokerCheck. Registered Representative offering securities and advisory services through Independent Financial Group LLC (IFG), a registered broker-dealer and investment adviser. Member FINRA/SIPC. Cinergy Financial and IFG are unaffiliated entities. Content provided for information & education only. It is not meant to be a recommendation to buy or to sell securities nor an offer to buy or sell securities. No investment process is free of risk; no strategy or risk management technique can guarantee returns or eliminate risk in any market environment. There is no guarantee that our investment strategies will be profitable. Licensed to sell securities in the following states: AZ, CA, DC, FL, GA, ID, IN, IA, LA, MD, MI, MO, NV, NH, NJ, NM, NY. NC, OH, OR, PA, TN, TX, UT, & WA. Information provided is from sources believed to be reliable however, we cannot guarantee or represent that it is accurate or complete. Because situations vary, any information provided on this site is not intended to indicate suitability for any particular investor. Hyperlinks are provided as a courtesy and should not be deemed as an endorsement. When you link to a third-party website you are leaving our site and assume total responsibility for your use or activity on the third-party sites.

    Ep 014: CFP's… RMD's… What Do These Common Financial Acronyms REALLY Mean?

    Play Episode Listen Later Aug 26, 2020 11:26


    Check the background of this investment professional on FINRA's BrokerCheck. Registered Representative offering securities and advisory services through Independent Financial Group LLC (IFG), a registered broker-dealer and investment adviser. Member FINRA/SIPC. Cinergy Financial and IFG are unaffiliated entities. Content provided for information & education only. It is not meant to be a recommendation to buy or to sell securities nor an offer to buy or sell securities. No investment process is free of risk; no strategy or risk management technique can guarantee returns or eliminate risk in any market environment. There is no guarantee that our investment strategies will be profitable. Licensed to sell securities in the following states: AZ, CA, DC, FL, GA, ID, IN, IA, LA, MD, MI, MO, NV, NH, NJ, NM, NY. NC, OH, OR, PA, TN, TX, UT, & WA. Information provided is from sources believed to be reliable however, we cannot guarantee or represent that it is accurate or complete. Because situations vary, any information provided on this site is not intended to indicate suitability for any particular investor. Hyperlinks are provided as a courtesy and should not be deemed as an endorsement. When you link to a third-party website you are leaving our site and assume total responsibility for your use or activity on the third-party sites.

    Ep 013: 6 Financial Tips For Your COVID-19 Portfolio Recovery

    Play Episode Listen Later Aug 19, 2020 17:22


    Check the background of this investment professional on FINRA's BrokerCheck. Registered Representative offering securities and advisory services through Independent Financial Group LLC (IFG), a registered broker-dealer and investment adviser. Member FINRA/SIPC. Cinergy Financial and IFG are unaffiliated entities. Content provided for information & education only. It is not meant to be a recommendation to buy or to sell securities nor an offer to buy or sell securities. No investment process is free of risk; no strategy or risk management technique can guarantee returns or eliminate risk in any market environment. There is no guarantee that our investment strategies will be profitable. Licensed to sell securities in the following states: AZ, CA, DC, FL, GA, ID, IN, IA, LA, MD, MI, MO, NV, NH, NJ, NM, NY. NC, OH, OR, PA, TN, TX, UT, & WA. Information provided is from sources believed to be reliable however, we cannot guarantee or represent that it is accurate or complete. Because situations vary, any information provided on this site is not intended to indicate suitability for any particular investor. Hyperlinks are provided as a courtesy and should not be deemed as an endorsement. When you link to a third-party website you are leaving our site and assume total responsibility for your use or activity on the third-party sites.

    Ep 012: Small Inflation Rates Can Add Up To A Lot Of Money In 30 Years Of Retirement, How Can You Minimize It?

    Play Episode Listen Later Aug 12, 2020 8:07


    Check the background of this investment professional on FINRA's BrokerCheck. Registered Representative offering securities and advisory services through Independent Financial Group LLC (IFG), a registered broker-dealer and investment adviser. Member FINRA/SIPC. Cinergy Financial and IFG are unaffiliated entities. Content provided for information & education only. It is not meant to be a recommendation to buy or to sell securities nor an offer to buy or sell securities. No investment process is free of risk; no strategy or risk management technique can guarantee returns or eliminate risk in any market environment. There is no guarantee that our investment strategies will be profitable. Licensed to sell securities in the following states: AZ, CA, DC, FL, GA, ID, IN, IA, LA, MD, MI, MO, NV, NH, NJ, NM, NY. NC, OH, OR, PA, TN, TX, UT, & WA. Information provided is from sources believed to be reliable however, we cannot guarantee or represent that it is accurate or complete. Because situations vary, any information provided on this site is not intended to indicate suitability for any particular investor. Hyperlinks are provided as a courtesy and should not be deemed as an endorsement. When you link to a third-party website you are leaving our site and assume total responsibility for your use or activity on the third-party sites.

    Ep 011: What Part Of Your ROTH 401(K) Is Taxable, And Why Are Some Companies Being SUED Over Employees 401(k) Plans?

    Play Episode Listen Later Aug 5, 2020 10:31


    Check the background of this investment professional on FINRA's BrokerCheck. Registered Representative offering securities and advisory services through Independent Financial Group LLC (IFG), a registered broker-dealer and investment adviser. Member FINRA/SIPC. Cinergy Financial and IFG are unaffiliated entities. Content provided for information & education only. It is not meant to be a recommendation to buy or to sell securities nor an offer to buy or sell securities. No investment process is free of risk; no strategy or risk management technique can guarantee returns or eliminate risk in any market environment. There is no guarantee that our investment strategies will be profitable. Licensed to sell securities in the following states: AZ, CA, DC, FL, GA, ID, IN, IA, LA, MD, MI, MO, NV, NH, NJ, NM, NY. NC, OH, OR, PA, TN, TX, UT, & WA. Information provided is from sources believed to be reliable however, we cannot guarantee or represent that it is accurate or complete. Because situations vary, any information provided on this site is not intended to indicate suitability for any particular investor. Hyperlinks are provided as a courtesy and should not be deemed as an endorsement. When you link to a third-party website you are leaving our site and assume total responsibility for your use or activity on the third-party sites.

    Ep 010: How Much Money Are You Paying For YOUR OWN Money? (Hint: Check The Fine Print)

    Play Episode Listen Later Jul 29, 2020 9:06


    Check the background of this investment professional on FINRA's BrokerCheck. Registered Representative offering securities and advisory services through Independent Financial Group LLC (IFG), a registered broker-dealer and investment adviser. Member FINRA/SIPC. Cinergy Financial and IFG are unaffiliated entities. Content provided for information & education only. It is not meant to be a recommendation to buy or to sell securities nor an offer to buy or sell securities. No investment process is free of risk; no strategy or risk management technique can guarantee returns or eliminate risk in any market environment. There is no guarantee that our investment strategies will be profitable. Licensed to sell securities in the following states: AZ, CA, DC, FL, GA, ID, IN, IA, LA, MD, MI, MO, NV, NH, NJ, NM, NY. NC, OH, OR, PA, TN, TX, UT, & WA. Information provided is from sources believed to be reliable however, we cannot guarantee or represent that it is accurate or complete. Because situations vary, any information provided on this site is not intended to indicate suitability for any particular investor. Hyperlinks are provided as a courtesy and should not be deemed as an endorsement. When you link to a third-party website you are leaving our site and assume total responsibility for your use or activity on the third-party sites.

    Ep 009: If You Have Life Insurance With Your Employer, You May Still Want Independent Coverage

    Play Episode Listen Later Jul 22, 2020 7:31


    Check the background of this investment professional on FINRA's BrokerCheck. Registered Representative offering securities and advisory services through Independent Financial Group LLC (IFG), a registered broker-dealer and investment adviser. Member FINRA/SIPC. Cinergy Financial and IFG are unaffiliated entities. Content provided for information & education only. It is not meant to be a recommendation to buy or to sell securities nor an offer to buy or sell securities. No investment process is free of risk; no strategy or risk management technique can guarantee returns or eliminate risk in any market environment. There is no guarantee that our investment strategies will be profitable. Licensed to sell securities in the following states: AZ, CA, DC, FL, GA, ID, IN, IA, LA, MD, MI, MO, NV, NH, NJ, NM, NY. NC, OH, OR, PA, TN, TX, UT, & WA. Information provided is from sources believed to be reliable however, we cannot guarantee or represent that it is accurate or complete. Because situations vary, any information provided on this site is not intended to indicate suitability for any particular investor. Hyperlinks are provided as a courtesy and should not be deemed as an endorsement. When you link to a third-party website you are leaving our site and assume total responsibility for your use or activity on the third-party sites.

    Ep 008: Saving To A Traditional 401(k) May Mean You're "Crazy"…? And A Real Life Example To Encourage You To Pan Your Estate

    Play Episode Listen Later Jul 13, 2020 7:47


    Check the background of this investment professional on FINRA's BrokerCheck. Registered Representative offering securities and advisory services through Independent Financial Group LLC (IFG), a registered broker-dealer and investment adviser. Member FINRA/SIPC. Cinergy Financial and IFG are unaffiliated entities. Content provided for information & education only. It is not meant to be a recommendation to buy or to sell securities nor an offer to buy or sell securities. No investment process is free of risk; no strategy or risk management technique can guarantee returns or eliminate risk in any market environment. There is no guarantee that our investment strategies will be profitable. Licensed to sell securities in the following states: AZ, CA, DC, FL, GA, ID, IN, IA, LA, MD, MI, MO, NV, NH, NJ, NM, NY. NC, OH, OR, PA, TN, TX, UT, & WA. Information provided is from sources believed to be reliable however, we cannot guarantee or represent that it is accurate or complete. Because situations vary, any information provided on this site is not intended to indicate suitability for any particular investor. Hyperlinks are provided as a courtesy and should not be deemed as an endorsement. When you link to a third-party website you are leaving our site and assume total responsibility for your use or activity on the third-party sites.

    Ep 007: America's Top 3 Retirement Concerns

    Play Episode Listen Later Jul 1, 2020 8:00


    Check the background of this investment professional on FINRA's BrokerCheck. Registered Representative offering securities and advisory services through Independent Financial Group LLC (IFG), a registered broker-dealer and investment adviser. Member FINRA/SIPC. Cinergy Financial and IFG are unaffiliated entities. Content provided for information & education only. It is not meant to be a recommendation to buy or to sell securities nor an offer to buy or sell securities. No investment process is free of risk; no strategy or risk management technique can guarantee returns or eliminate risk in any market environment. There is no guarantee that our investment strategies will be profitable. Licensed to sell securities in the following states: AZ, CA, DC, FL, GA, ID, IN, IA, LA, MD, MI, MO, NV, NH, NJ, NM, NY. NC, OH, OR, PA, TN, TX, UT, & WA. Information provided is from sources believed to be reliable however, we cannot guarantee or represent that it is accurate or complete. Because situations vary, any information provided on this site is not intended to indicate suitability for any particular investor. Hyperlinks are provided as a courtesy and should not be deemed as an endorsement. When you link to a third-party website you are leaving our site and assume total responsibility for your use or activity on the third-party sites.

    Ep 006: You Can Now Have Alternative Investments In Your 401k, But What Are They?

    Play Episode Listen Later Jun 24, 2020 7:33


    Check the background of this investment professional on FINRA's BrokerCheck. Registered Representative offering securities and advisory services through Independent Financial Group LLC (IFG), a registered broker-dealer and investment adviser. Member FINRA/SIPC. Cinergy Financial and IFG are unaffiliated entities. Content provided for information & education only. It is not meant to be a recommendation to buy or to sell securities nor an offer to buy or sell securities. No investment process is free of risk; no strategy or risk management technique can guarantee returns or eliminate risk in any market environment. There is no guarantee that our investment strategies will be profitable. Licensed to sell securities in the following states: AZ, CA, DC, FL, GA, ID, IN, IA, LA, MD, MI, MO, NV, NH, NJ, NM, NY. NC, OH, OR, PA, TN, TX, UT, & WA. Information provided is from sources believed to be reliable however, we cannot guarantee or represent that it is accurate or complete. Because situations vary, any information provided on this site is not intended to indicate suitability for any particular investor. Hyperlinks are provided as a courtesy and should not be deemed as an endorsement. When you link to a third-party website you are leaving our site and assume total responsibility for your use or activity on the third-party sites.

    Ep 005: The Balancing Game Of Your Nest Egg Risk, And Is Your Pension A “Ticking Time Bomb?”

    Play Episode Listen Later Jun 11, 2020 9:45


    Check the background of this investment professional on FINRA's BrokerCheck. Registered Representative offering securities and advisory services through Independent Financial Group LLC (IFG), a registered broker-dealer and investment adviser. Member FINRA/SIPC. Cinergy Financial and IFG are unaffiliated entities. Content provided for information & education only. It is not meant to be a recommendation to buy or to sell securities nor an offer to buy or sell securities. No investment process is free of risk; no strategy or risk management technique can guarantee returns or eliminate risk in any market environment. There is no guarantee that our investment strategies will be profitable. Licensed to sell securities in the following states: AZ, CA, DC, FL, GA, ID, IN, IA, LA, MD, MI, MO, NV, NH, NJ, NM, NY. NC, OH, OR, PA, TN, TX, UT, & WA. Information provided is from sources believed to be reliable however, we cannot guarantee or represent that it is accurate or complete. Because situations vary, any information provided on this site is not intended to indicate suitability for any particular investor. Hyperlinks are provided as a courtesy and should not be deemed as an endorsement. When you link to a third-party website you are leaving our site and assume total responsibility for your use or activity on the third-party sites.

    Ep 004: 4 Big Risks We Face When Planning For Retirement

    Play Episode Listen Later Jun 4, 2020 11:20


    Check the background of this investment professional on FINRA's BrokerCheck. Registered Representative offering securities and advisory services through Independent Financial Group LLC (IFG), a registered broker-dealer and investment adviser. Member FINRA/SIPC. Cinergy Financial and IFG are unaffiliated entities. Content provided for information & education only. It is not meant to be a recommendation to buy or to sell securities nor an offer to buy or sell securities. No investment process is free of risk; no strategy or risk management technique can guarantee returns or eliminate risk in any market environment. There is no guarantee that our investment strategies will be profitable. Licensed to sell securities in the following states: AZ, CA, DC, FL, GA, ID, IN, IA, LA, MD, MI, MO, NV, NH, NJ, NM, NY. NC, OH, OR, PA, TN, TX, UT, & WA. Information provided is from sources believed to be reliable however, we cannot guarantee or represent that it is accurate or complete. Because situations vary, any information provided on this site is not intended to indicate suitability for any particular investor. Hyperlinks are provided as a courtesy and should not be deemed as an endorsement. When you link to a third-party website you are leaving our site and assume total responsibility for your use or activity on the third-party sites.

    Ep 003: Are We In A Recession? Plus, What Could Extra Stimulus Spending Do To Your Retirement Plan?

    Play Episode Listen Later May 28, 2020 19:29


    Check the background of this investment professional on FINRA's BrokerCheck. Registered Representative offering securities and advisory services through Independent Financial Group LLC (IFG), a registered broker-dealer and investment adviser. Member FINRA/SIPC. Cinergy Financial and IFG are unaffiliated entities. Content provided for information & education only. It is not meant to be a recommendation to buy or to sell securities nor an offer to buy or sell securities. No investment process is free of risk; no strategy or risk management technique can guarantee returns or eliminate risk in any market environment. There is no guarantee that our investment strategies will be profitable. Licensed to sell securities in the following states: AZ, CA, DC, FL, GA, ID, IN, IA, LA, MD, MI, MO, NV, NH, NJ, NM, NY. NC, OH, OR, PA, TN, TX, UT, & WA. Information provided is from sources believed to be reliable however, we cannot guarantee or represent that it is accurate or complete. Because situations vary, any information provided on this site is not intended to indicate suitability for any particular investor. Hyperlinks are provided as a courtesy and should not be deemed as an endorsement. When you link to a third-party website you are leaving our site and assume total responsibility for your use or activity on the third-party sites.

    Ep 002: Americans Are Turning Away From Stocks, And Towards This Long-Term Investment

    Play Episode Listen Later May 20, 2020 10:23


    Check the background of this investment professional on FINRA's BrokerCheck. Registered Representative offering securities and advisory services through Independent Financial Group LLC (IFG), a registered broker-dealer and investment adviser. Member FINRA/SIPC. Cinergy Financial and IFG are unaffiliated entities. Content provided for information & education only. It is not meant to be a recommendation to buy or to sell securities nor an offer to buy or sell securities. No investment process is free of risk; no strategy or risk management technique can guarantee returns or eliminate risk in any market environment. There is no guarantee that our investment strategies will be profitable. Licensed to sell securities in the following states: AZ, CA, DC, FL, GA, ID, IN, IA, LA, MD, MI, MO, NV, NH, NJ, NM, NY. NC, OH, OR, PA, TN, TX, UT, & WA. Information provided is from sources believed to be reliable however, we cannot guarantee or represent that it is accurate or complete. Because situations vary, any information provided on this site is not intended to indicate suitability for any particular investor. Hyperlinks are provided as a courtesy and should not be deemed as an endorsement. When you link to a third-party website you are leaving our site and assume total responsibility for your use or activity on the third-party sites.

    Ep 001: The Huge Stimulus Package Will Be Repaid With YOUR Future Taxes, What Can You Do To Prepare

    Play Episode Listen Later May 14, 2020 10:50


    Check the background of this investment professional on FINRA's BrokerCheck. Registered Representative offering securities and advisory services through Independent Financial Group LLC (IFG), a registered broker-dealer and investment adviser. Member FINRA/SIPC. Cinergy Financial and IFG are unaffiliated entities. Content provided for information & education only. It is not meant to be a recommendation to buy or to sell securities nor an offer to buy or sell securities. No investment process is free of risk; no strategy or risk management technique can guarantee returns or eliminate risk in any market environment. There is no guarantee that our investment strategies will be profitable. Licensed to sell securities in the following states: AZ, CA, DC, FL, GA, ID, IN, IA, LA, MD, MI, MO, NV, NH, NJ, NM, NY. NC, OH, OR, PA, TN, TX, UT, & WA. Information provided is from sources believed to be reliable however, we cannot guarantee or represent that it is accurate or complete. Because situations vary, any information provided on this site is not intended to indicate suitability for any particular investor. Hyperlinks are provided as a courtesy and should not be deemed as an endorsement. When you link to a third-party website you are leaving our site and assume total responsibility for your use or activity on the third-party sites.

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