Ms. Cynthia M. Couyoumjian, CFP®

Independent Financial Group

(714) 210-0549

Contact This Planner Cynthia

(714) 210-0549

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professional profile

Year CFP® Certification Received

1992 | view current certificate

Planning Services Offered

Investment Planning
Retirement Planning
Comprehensive Financial Planning
Estate Planning

Languages

English

Payment Options

When hiring a CFP^{®️️️️️️️️} professional, it's important to ask how your advisor expects to be paid for services rendered. Different financial advisors may charge differently, or one financial advisor may offer several different ways that clients can choose to pay.

Understanding Payment Models

Disclosures

CFP Board Public Disciplinary History

Effective Date: 7/18/2006

In July 2006, Ms. Couyoumjian entered into a settlement agreement with CFP Board, pursuant to which she consented to findings that she disseminated to the public advertising and sales literature that 1) presented oversimplified claims which omitted material information or failed to provide a sound basis for evaluating the facts; 2) contained exaggerated, unwarranted or misleading statements or claims; 3) contained unclear comparisons of investment products that failed to provide a fair and balanced presentation of any material differences between the subjects of the comparisons; 4) were not approved by a registered principal of an NASD member firm; and 5) were not filed with NASD as required, in violation of CFP Board’s Code of Ethics and Professional Responsibility. As part of the settlement, CFP Board issued Ms. Couyoumjian a Letter of Admonition. Ms. Couyoumjian retains the right to use the CFP® certification marks.

Disclosure Under CFP Board’s Prior Bankruptcy Disclosure Procedures
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Until June 30, 2020, CFP Board made public disclosures about CFP® professionals who had filed a personal or business bankruptcy. These were disclosures and not disciplinary actions or sanctions. These disclosures stay on CFP Board’s website for 10 years. There are more details below on this page.

CFP Board of Standards sets and enforces the requirements for CFP^®️ certification. All CFP^®️ professionals pay an annual certification fee to CFP Board and do not pay any additional fee to be included on the Find A CFP^®️ Professional website.

Disclosure Information

CFP Board makes available information that a CFP® professional has provided about his or her practice. CFP Board also provides information about any CFP® professional that CFP Board has publicly disciplined or any professional who made a bankruptcy disclosure to CFP Board (more details about bankruptcy below). We cannot guarantee the information the CFP® professional has provided is accurate or complete. You should verify the accuracy of the information yourself.

While the information on this website may be useful to you, there may be more information from other sources you will need or want. Provided below are links to other sources of information about CFP® professionals that may be more recent or that may contain information that has not led to CFP Board discipline and does not appear on CFP Board’s website. The information may include customer disputes, disciplinary actions taken by a regulator or employer, certain criminal matters, and certain financial matters (such as bankruptcy proceedings and unpaid judgments or liens). The links provided below may provide additional information only if the CFP® professional is subject to the oversight of that regulator or SRO. If the CFP® professional is not subject to their oversight, then the link will not provide access to any additional information about that person.

You can find information about CFP® professionals who are subject to Financial Industry Regulatory Authority (FINRA) or Securities and Exchange Commission (SEC) oversight through FINRA’s BrokerCheck and the SEC’s Investment Adviser Public Disclosure databases. Both are free tools you can use to conduct research.
Visit your state securities regulator’s website for more information about brokers and investment advisers and your state insurance department website for more information about insurance professionals.
Visit the Office of the Comptroller of the Currency (OCC) website to search for enforcement actions against individuals who are subject to OCC oversight.
Conduct an Internet search on the CFP® professional’s name (and business name).

About Bankruptcies

Effective June 30, 2020, CFP Board may publicly sanction a CFP® professional for a personal or business bankruptcy that violates CFP Board’s Code of Ethics and Standards of Conduct. (There is no violation if the CFP® professional can make a case that the bankruptcy does not reflect on the professional’s ability to responsibly manage his or her own financial affairs or the financial affairs of the business.) You can find public sanctions in the “CFP Board Public Disciplinary History.” Under the “Prior Bankruptcy Disclosure Procedures” that applied from July 2012 – June 2020, CFP Board published information about a CFP® professional’s verified single bankruptcy in a press release and on CFP Board’s website. These were disclosures, not discipline or sanctions, and remain on CFP Board’s website for 10 years. You may learn more about the disclosure procedures here. You can learn more information about a bankruptcy filing at the U.S. Court’s website. You will be required to register and pay a nominal fee to view the information on that website.