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Podcast: Next Gen Personal Finance
Episode:

A Conversation with Gloria Garcia Cisneros, CFP on Breaking Barriers to Building Wealth
Category: Education
Duration: 00:53:11
Publish Date: 2026-01-17 17:21:40
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In this episode, Yanely sits down with Certified Financial Planner Gloria Garcia Cisneros to break down what it really means to work with a fiduciary and how teachers can protect themselves from high-fee, commission-driven products often pushed in the 403(b) space. Gloria explains the key differences between independent advisory firms and broker-dealers, why "free" advice can still come with hidden costs, and the questions educators should ask about fees, incentives, and what is actually inside their retirement accounts. They also unpack how insurance products like annuities and permanent life insurance are sometimes marketed as "investments," why that can be risky, and how to spot red flags like guaranteed returns and salesy, one-size-fits-all pitches. Gloria shares her journey from first-generation immigrant to CFP and highlights why holistic financial planning goes beyond investments to include taxes, insurance, benefits, and long-term goals. The conversation ends with mindset shifts, like remembering that wealth is often what you don't see, and encouragement for teachers to build confidence, ask better questions, and stay on a steady path toward financial security.
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