See also: Gloria Garcia Cisneros, CFP on Breaking Barriers to Building Wealth
Certified financial planner Gloria Garcia Cisneros discusses what educators need to know before trusting anyone with their retirement savings, especially in the often confusing 403(b) space.
Gloria explains the difference between broker-dealers who sell commission-based products and independent fiduciaries who are legally required to put clients first.
They also unpack red flags such as guaranteed returns, sales pitches and insurance products such as annuities marketed as investments.
Gloria encourages teachers to look beyond titles like “financial advisor” and instead ask: What do you do for me? How do you charge? What’s in my account?
The episode closes with a reminder that “wealth is what you don’t see.”
This conversation provides clear, practical explanations about retirement, benefits, and protecting long-term wealth.
View the full transcript and find episode links here.
Join Judy Smith LIVE this week on teaching economic inequality and solutions in personal finance
After teaching economics and personal finance at San Lorenzo High School for two decades, Judy Smith saw how many students felt powerless in the face of systemic barriers to wealth and created a mini-unit on economic inequality.
Judy will share her framework for teaching solutions to economic inequality, how she structures student choice and creative demonstrations of learning, and why addressing systemic issues in addition to personal financial skills prepares young adults to think about money as both a personal and social responsibility.
Register now to hear from her tonight at 4pm PT / 7pm ET.
#NGPF #Podcast #Power #Gratitude #Walter #Green #Movement


