Cindy Couyoumjian

Welcome to the digital home of Cindy Couyoumjian, a distinguished financial professional with a robust background in wealth management, financial literacy, and education. This platform highlights Cindy’s unwavering commitment to empowering individuals, especially women, through her work as a Certified Financial Planner, bestselling author, and speaker. Beyond her professional achievements, Cindy is dedicated to fostering financial independence, promoting education on sound investment strategies. She actively shares financial knowledge within her community by offering educational seminars. Drawing on her extensive experience and innovative approaches, Cindy Couyoumjian of Cinergy Financial offers valuable insights and guidance for those seeking proficiency in financial planning, wealth management, and long-term financial success.

Cindy Couyoumjian: Empowering Financial Futures Through Education, Innovation, and Leadership

Cindy Couyoumjian, a Tustin, California native, has built an impressive 37-year career in financial services, with 32 of those years as a Certified Financial Planner™ (CFP). She has carved out a legacy of innovation and empowerment in the financial services industry. As the founder and CEO of Cinergy Financial, Cindy Couyoumjian has demonstrated unparalleled dedication to helping individuals, especially women, navigate the complexities of modern finance. Her career is defined by her commitment to financial literacy and her belief that educating others is the key to achieving financial independence.

Cindy Couyoumjian’s extensive knowledge, supported by her eight securities licenses (Series 63, 6, 65, 7, 22, 24, 31, and 26), along with her California Insurance License, enables her to effectively address a wide range of financial needs. Her skillset spans investments, insurance, and retirement planning, making her a trusted advisor with a well-rounded understanding of diverse financial needs. Today, Cindy Couyoumjian of Cinergy Financial manages over $340 million in assets, providing clients with reliable, cutting-edge solutions tailored to their unique financial goals.

A Lifelong Advocate for Financial Literacy

At the heart of Cindy Couyoumjian’s career is her unshakable belief that financial literacy is essential to personal empowerment, particularly for women who have historically faced obstacles to financial independence. Her career journey began when the traditional 60/40 stock and bond portfolio was the gold standard for investment planning. However, as markets evolved—especially after the dotcom bust of the early 2000s—Cindy recognized the need for a more adaptive approach. In response, she developed the innovative REALM® multi-asset investment model, giving everyday investors access to institutional-level strategies and alternative investments.

This groundbreaking model is just one of the ways Cindy Couyoumjian of Cinergy Financial has sought to bridge the gap between average investors and the complex world of high finance. Her mission has always been to make sophisticated strategies accessible to all, empowering individuals to take control of their financial futures. She believes everyone should have the opportunity to pursue financial security and a sense of confidence about their future, regardless of their background.

Bestselling Author and Thought Leader

Cindy Couyoumjian’s passion for financial education extends beyond her role as a wealth manager. She is also a bestselling author, having penned two influential books that have cemented her reputation as a thought leader in the field. In 2021, she published Redefining Financial Literacy, which became a Wall Street Journal and Amazon bestseller. In this book, Cindy reimagines financial literacy, arguing that to prepare for the future truly, individuals need to understand financial strategies and the historical, political, and economic forces that shape the financial world.

Her second book, The Rise of Women and Wealth, released in 2022, became a USA Today National Bestseller and further solidified Cindy’s standing as a champion for women’s financial empowerment.

In this powerful work, Cindy examines the historical marginalization of women in society, particularly in the realm of finance. Despite social and political equality progress, Cindy Couyoumjian highlights women’s persistent challenges in achieving financial independence. She advocates for financial literacy as the crucial first step toward closing the gender gap in wealth and economic power.

In October 2023, Cindy Couyoumjian of Cinergy Financial will release her third book, The Silent Retirement Crisis, addressing the looming challenges of retirees in today’s volatile economic environment. In this anticipated work, she offers actionable strategies for confidently navigating retirement rooted in her innovative REALM® investment model.

Award-Winning Innovator

Cindy Couyoumjian’s contributions to the financial industry have not gone unnoticed. In 2022, she was honored with two Bronze Stevie Awards for “Woman of the Year in Accounting and Finance” and “Female Thought Leader of the Year in Business.” These accolades testify to her unwavering commitment to excellence and her trailblazing leadership. Her influence was further recognized in 2023 when she was named one of the “CEO VISIONARIES” by the Los Angeles Times. This honor celebrates her forward-thinking approach and ability to adapt to the ever-changing financial landscape.

Her dedication to financial literacy and innovation extends beyond her books and personal practice. Cindy Couyoumjian of Cinergy Financial has shared her insights on retirement strategies in a sponsored segment on NBC Channel 4, CBS Channel 2 in Los Angeles, and CBS Channel 62 in Detroit. Her on-screen presence has helped broaden her reach as a financial educator, connecting with a wide audience.

A Personal Mission to Empower Women

Cindy Couyoumjian’s work is deeply rooted in a personal mission to empower women to take control of their finances. She has long been aware of the financial challenges women face, from the gender pay gap to limited representation in leadership roles. For Cindy, the fight for financial equality starts with education. She believes that financial literacy is the foundation for women to build wealth, gain independence, and secure their futures.

Her books and seminars frequently address these issues, offering women the tools to navigate the financial system confidently. Cindy Couyoumjian of Cinergy Financial is particularly proud of her work with women who are managing their finances independently for the first time, whether due to career shifts, divorce, or widowhood. She takes great pride in helping these women survive and thrive in their new financial realities.

Educator, Speaker, and Mentor

Beyond her role as a financial planner and author, Cindy is an inspiring educator and mentor. She regularly hosts workshops and seminars on financial literacy and alternative investments, reaching thousands of attendees nationwide. These events provide a platform for individuals to learn from Cindy’s knowledge, ask questions, and gain valuable insights into the world of finance.

Cindy Couyoumjian’s workshops are designed to be accessible to all, from novice investors to those with more experience, and she takes pride in making complex financial concepts easy to understand.

Innovating for a Brighter Financial Future

Cindy Couyoumjian’s career is a testament to her relentless drive to innovate and educate. From developing the REALM® investment model to writing bestselling books and speaking on televised events, Cindy has continually pushed the boundaries of being a financial professional. Her work has empowered countless individuals to take control of their financial futures, and her dedication to promoting women’s financial independence has played a pivotal role in raising awareness about the financial industry.

Cindy Couyoumjian’s vision for the future is clear: a world where financial literacy is widespread and individuals are empowered to make informed decisions about their money. As she continues to write, speak, and educate, Cindy remains a steadfast leader in the financial world, inspiring others to take charge of their financial destinies and live lives of financial freedom and fulfillment.

Thank you for visiting the online portfolio of Cindy Couyoumjian of Cinergy Financial, a distinguished leader in wealth management, financial education, and empowerment. With a career that spans over 37 years, Cindy has made significant contributions to the financial services industry through her work as a Certified Financial Planner, bestselling author, and advocate for women’s financial independence. Her extensive experience in investment strategies, asset management, and financial literacy has helped countless individuals and organizations achieve financial growth and stability. In addition to her professional accomplishments, Cindy Couyoumjian actively supports her community through education, mentorship, and advocacy for financial empowerment. Her approach combines in-depth knowledge with a deep commitment to fostering personal and financial independence, benefiting her clients and the wider community.

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.

The REALM strategy contains Alternative Investments which are speculative by nature and have various risks including possible lack of liquidity, lack of control, changes in business conditions and devaluation based on the investment, the economy and or regulatory changes. Alternative investments are not appropriate for all investors. 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 this investment model/process will be profitable. Diversification does not guarantee profit nor is it guaranteed to prevent losses.