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contributed to a complex retirement system, which includes pensions, social security, and what she believes is the outdated 60/40 investment model.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

This book offers readers an invaluable study of Boomers as they march into retirement.

2022 NATIONAL INDIE EXCELLENCE AWARD FINALIST — BUSINESS, ENTREPRENEURSHIP, & SMALL BUSINESS • 2022 AXIOM BOOK AWARD BRONZE MEDALIST — ENTREPRENEURSHIP/SMALL BUSINESS • NAUTILUS BOOK AWARD SILVER WINNER — BUSINESS & LEADERSHIP “Redefining Rich is inspiring, thought-provoking, and highly recommended both as a fascinating story in its own right and as a call to reconsider what one truly aspires to in life.” —Midwest Book Review In our dysfunctional economy, “success” often comes at great personal cost . . . we’re tired, we’re stressed out, and we have no time for family and friends. It’s time to redefine “rich.” From a third-generation farmer and successful entrepreneur, Redefining Rich is an entrepreneur’s guide to balancing work and family with the pleasures of the good life, with simple exercises and important lessons to serve everyone from the new sole proprietor to a seasoned CEO. Shannon Hayes was in the final months of her PhD program, recently engaged, and beginning to plan her future. Having grown up on a northern Appalachian sheep farm, she had two advantages: a hard-won education and hillbilly pragmatism. But when it came time to enter the job market, Hayes made a tough discovery: the economy just doesn’t work. It doesn’t work for women, for free thinkers, for the working class, or for white-collar professionals. It doesn’t work in rural America, much less in the cities and the suburbs. It forces us to choose between career and family, profit and creativity. So, Hayes and her husband walked away from their career paths and chose to forge a life on her family’s frost-plagued mountain farm, starting up a small café in town. Together, they found their sweet spot: a place where the Appalachian farm culture and sensibilities she and her community have lived by helped them thrive, even in a tough economic environment. Against the odds, the Hayes family built a business that lets them live abundantly, spend time with family, and enjoy the gifts of nature. And the business even helped reinvigorate their chronically economically depressed town. But the journey to this point was rife with challenges, tumbles, and mistakes. With humor, lively stories, and assurance, Hayes reveals the best lessons she’s learned for taking an alternate path, whether it lies in rural America, in the ‘burbs, or the heart of the city. She outlines the fundamentals of sustainable wealth, how to develop income streams, get organized, bring family into the business, ask for fair prices and market efficiently, and—the most important lesson of all—set personal boundaries and say “no” even while sustaining relationships. Hayes shows entrepreneurship is the means to build sustainable communities, keep families together, and foster great creative fulfillment. Redefining Rich will comfort, instruct, amuse, and inspire those of us who are trying to make our lives work in untraditional ways.

A new approach to understanding money and achieving financial fulfillment Former Vice-Chairman of the U.S. President's Advisory Council on Financial Literacy, John Hope Bryant, delivers an accessible and powerful resource for everyday Americans seeking to build a strong financial foundation. This book is an easy-to-read first step toward a fulfilling financial future, helping you understand your relationship to work and money, and a key component to untangling the surprisingly simple puzzle of personal finance. With an insightful foreword by Doug McMillon, President and CEO of Walmart Inc., you'll learn how to create wealth for yourself and your family, regardless of your educational or employment background, and how to establish a financial mindset that contributes to a sound future. You'll also discover: The answers to tough money questions, including the actual utility of new financial inventions like cryptocurrency How to think about exchanging your time and effort for money and the conditions under which you should agree to work Plain-English discussions of the principles of responsible long-term investing and how it differs from speculation Acting as a critical pillar for those seeking to build a rock-solid financial foundation, Financial Literacy for All is a must-have book for working professionals, blue-collar workers, members of young families, and established businesspeople looking for a better, more secure future for themselves and the ones they care about.

Wealth Is More than Money ​For most people, the word wealth conjures images of material possessions and luxury: fancy jewelry, exotic automobiles, opulent living quarters, and vacations in Southern France. To become wealthy is the pinnacle of the iconic American Dream. When you can afford the best of everything you want, you get to live happily ever after . . . That may be the traditional vision of wealth, but it is not most people’s experience. Drawing on over twenty years of experience as a Certified Financial Planner, author Bob Reby explores the idea that wealth means different things to different people. Your health, relationships, and family are all components of wealth, and your financial plan should be in line with those values. Wealth Redefined will help you find your unique version of financial independence and live happily ever after.

Today's graduates should be grounded in the basics of personal finance and possess the skills and knowledge necessary to make informed decisions and take responsibility for their own financial well-being. Faced with an array of complex financial services and sophisticated products, many graduates lack the knowledge and skills to make rational, informed decisions on the use of their money and planning for future events, such as retirement. This book shows what you can do to improve financial literacy awareness and education. It covers the use of interactive games and tutorials, peer-to-peer mentoring, and financial literacy contests in addition to more formal education. It gives you a sample of approaches and experiences in the financial literacy arena. Divided into three parts, the book covers financial literacy education for grades K–12, college, and post-college.