All episodes of Financial Literacy

Published 01/27/21

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

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...

Published 01/27/21

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

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...

Published 01/20/21

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

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...

Published 01/13/21

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

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...

Published 12/23/20

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?

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...

Published 12/16/20

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

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...

Published 12/09/20

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

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...

Published 11/25/20

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

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...

Published 11/18/20

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

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...

Published 11/11/20

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

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...

Published 11/04/20

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

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...

Published 10/28/20

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

Published 10/14/20

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

Published 10/07/20

Ep 019: The “3-Legged Stool” Is Losing Its Balance, What Can You Do To RE-Balance Your Retirement Income Legs

Published 09/30/20

Ep 018 -What You Need To Know Before You Enroll For Medicare

Published 09/23/20

Ep 017 - Why You Need To Know Your Net Worth, And Is It EVER A Good Idea To Buy Individual Stocks?

Published 09/09/20

Ep 016 - They Call It The “Annuity Puzzle” For A Reason

Published 09/02/20

Ep 015: CFP’s… RMD’s… What Do These Common Financial Acronyms REALLY Mean?

Published 08/26/20

Ep 014: 6 Financial Tips For Your COVID-19 Portfolio Recovery

Published 08/19/20

Ep 013: Small Inflation Rates Can Add Up To A Lot Of Money In 30 Years Of Retirement, How Can You Minimize It?

Published 08/12/20

Confusion And Lawsuits Over… 401(k)’s??

When you take withdrawals from your ROTH 401(K), will have to pay taxes on it? Cindy explains what portion could be taxed and why. Plus, why are companies being sued by employees over 401(k) plans?

Published 08/05/20

How Much Money Are You Paying For YOUR OWN Money?

One of the more encouraging trends in financial planning is a slow decline in the amount of fees charged by fund managers. Still, info on the fees that we do pay is notoriously buried in the fine print. Cindy talks about what you should look for in your investment accounts to find out what you are really being charged.

Published 07/29/20

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

A recent newspaper article raised the question. Cindy explains, through personal real-life experience, why it might be a good idea for you to have additional life insurance.

Published 07/22/20

Saving To A Traditional 401(k) May Mean You’re "Crazy"…?

One well-known personal finance professional is now saying that, putting money into a traditional 401(k), is “crazy”...? Cindy talks about why this may, or may not, be true. Plus, she shares a real-life experience about 2 sisters which will likely motivate YOU to create a better estate plan.

Published 07/13/20