Teaching financial literacy doesn’t have to feel overwhelming or impossible. There are so many resources available to help teach financial literacy to a variety of age groups, says Cindy Couyoumjian, an independent financial advisor and President of Cinergy Financial, a private financial planning firm. Here are a few of the most valuable resources Cindy Couyoumjian has used which she says will help you teach financial literacy to your students, children, or aging parent.

1. Jump$tart Coalition

The Jump$tart Coalition for Personal Financial Literacy has created and maintained National Standards in K-12 personal finance education. These standards outline the personal financial knowledge and skills…


With over 80% of Americans unable to translate a tax form and one in four American student loan borrowers in default, there is no doubt that financial literacy is at an all-time low. So, why don’t public schools teach financial literacy? Cindy Couyoumjian, President of Cinergy Financial, a private financial planning firm, explains five of the reasons why.

1. Climbing the corporate ladder is no longer tenable

In previous generations, students were instructed to work hard, obtain an education, graduate, and enjoy all the freedoms of a well-paying position complete with pensions and other rewards. This is no longer as feasible, says Cindy Couyoumjian. Over time, systems of taxation…


When it comes to teaching teens the key financial skills they need to succeed and thrive in their future, most school boards and districts across the country are striking out instead of hitting a home run. Indeed, in a nationwide review by the Center for Financial Literacy at Champlain College, only five states — Alabama, Missouri, Tennessee, Utah and Virginia — received an A with respect to cultivating financially literate high school graduates. Conversely, a whopping 27 states received a C, D or an F.

The good news is that an increasing number of states — such as Wisconsin, Ohio…


“If I only knew now what I knew then…” is the tragic refrain uttered by millions of people each year who grossly overestimated their knowledge of personal financial management — that is, until they were forced to raid their savings, sell assets, downgrade their lifestyle, or file for bankruptcy (and in many cases, all of the above).

The good news is that boosting one’s financial literacy doesn’t require years of school or anxiety-inducing exams. Cindy Couyoumjian, a Certified Financial Planner (CFP) who is also the Founder and CEO of Cinergy Financial, an investment firm based in Tustin, California, states there…


As America’s population ages, research has revealed a disturbing truth: many seniors don’t have the financial literacy skills they need to protect their assets, preserve their lifestyle, and avoid being taken advantage of by criminals or financially abused by family members and caregivers.

And exacerbating this massive knowledge gap is the unavoidable fact that aging gradually diminishes memory, cohesion, comprehension and cognitive ability; all of which are necessary to make smart, safe and sound financial decisions. …


Financial illiteracy isn’t just a problem across the U.S.: according to InvestmentNews.com, it’s a full-blown epic failure. How dire is the absence of fundamental personal money management awareness? A joint study carried out by researchers at George Washington University and the University of Pennsylvania revealed that only 30 percent of American adults were able to correctly answer three basic financial questions about risk diversification, interest compounding and inflation.

“People spend a significant, if not in some cases excessive amount of time learning all there is to know about their favorite sports teams, their favorite TV shows, their favorite bands and…


Retirement planning is an important issue for most Americans. According to Cindy Couyoumjian, a Certified Financial Planner and CEO of Cinergy Financial in Tustin, California, financial literacy and retirement planning go hand in hand.With changes being made to the Social Security System in the United States, personal savings and private pension plans are likely to play an even more important role when it comes to retirement savings in the future.

This is one of many reasons that financial literacy is a necessity. Being financially literate opens a world of possibilities when it comes to your money, including giving you the…


Since 2004, the United States has officially recognized April as Financial Literacy Month. This month is part of a widespread effort to showcase the importance of financial literacy and to help Americans develop healthy financial habits. It was born out of the need to teach Americans about the major repercussions associated with little to no understanding of one’s personal finances. Certified Financial Planner and CEO of Cinergy Financial, Cindy Couyoumjian, is a fierce advocate of Financial Literacy Month. She has witnessed the lack of financial education among Americans and strongly believes that dedicating such a month to the topic of…


For many people, having a conversation about money is nearly as difficult as learning how to manage it. In our society, discussing money is taboo, which only serves as a roadblock when it comes to financial literacy. That said, while the topic of money may be hard to swallow around your friends or family members, there is someone you can rely on to make this conversation easier: a financial advisor. The basic purpose of advisors is to improve the financial literacy of their clients. As a Certified Financial Planner and the CEO of private financial planning firm Cinergy Financial, Cindy…


In this new economy, financial literacy has never been more important. For those that are unaware of the term, financial literacy is defined as the education and understanding of various financial areas, which enables a person to make informed decisions about their own finances. While making money is significant, figuring out how to manage that money is even more

vital. Unfortunately, studies show that two thirds of Americans do not know how to properly handle their finances. Cindy Couyoumjian is a Certified Financial Planner and the CEO of Cinergy Financial, a private financial planning firm based in Tustin, California. She…

Cindy Couyoumjian

Certified Financial Advisor at Cinergy Financial. Advocate for Financial Literacy

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