The Silent Retirement Crisis:

ABOUT THE BOOK

The Silent Retirement Crisis: How You Can Build a Sustainable Retirement in a Potentially Broken System

The Silent Retirement Crisis by Cindy Couyoumjian is a Clarion call for all of us to take immediate action when it comes to our retirement future. The theme of this powerful and compelling book is that the retirement burden has shifted away from relying upon pensions and Social Security and towards our own capacity to secure an enduring aspect of the American Dream. The old social contract that our parents and grandparents enjoyed has been nullified. The time where you worked for the same company, were guaranteed a comfortable pension and Social Security, is now a distant dream. What we need today is a new social contract that reflects the extraordinary, and concentrated, change over the past 25 years. In a single generation, the Digital Revolution has changed everything, and not always for the better.

Although retirement is an inevitable part of life, most Americans are not prepared for what is coming. Guaranteed pensions are a thing of the past; Social Security may go insolvent by 2034 if Congress does not act; and, to make matters worse, Americans’ lack the necessary financial literacy to help them adjust to these dramatic changes. When the financial burden shifts to us to plan and prepare for our own retirement, we need to be ready. Cindy’s book is a definitive study of why our retirement system is broken and what you need to do to protect yourself and your family.

Cindy breaks down her book into three easy-to understand parts. Part I explores the history of our broken capitalist system. Part II offers readers a paradigm shift in terms of how we should start thinking about retirement with a sense of urgency and commitment not only to ourselves, but also to our children and grandchildren. Part III introduces Cindy’s potentially powerful, innovative, and customizable REALM investment model. This section is also an invaluable practical guide to retirement planning, with tips on tax planning, life insurance policies, wills and trusts, and other risk management strategies.

There is a reason why the current retirement crisis is silent – no one is confronting the problem in a comprehensive and accessible book like Cindy. This book is not only a call to action for each one of us to start planning our retirement, it is also an invitation to for all of us to embrace the most meaningful aspect of the American Dream. Each one of us deserves not only to survive retirement, but thrive and prosper in ways that can enrich our lives and those around us.