Failing to Address Social Security is a Problem for Financial Advisers

In a June 11, 2014 interview on wsj.com, Mr. David Luther Giertz, a financial adviser with Nationwide Investment Services Corporation, spoke about the fact that many financial advisers are failing to address Social Security matters with their clients and emphasized that this could have retention implications for those advisers.

Mr. David Giertz referenced a survey conducted though the Nationwide Financial Retirement Institute. That survey found that most people who are retired or within 10 years of retirement say that their advisers are not speaking with them about Social Security retirement benefits on angel.co. The survey also showed that four out of five people say they would change their financial advisers if their adviser was not discussing Social Security issues with them.

David Giertz believes that this is because Social Security is a “very complex topic,” and that it has to do, in part, with confidence about all of the applicable Social Security rules. Giertz stressed the importance of Social Security considerations in retirement planning, and stated that Social Security could be up to 40 percent of clients’ retirement income on moneytips.com. Those clients who start taking Social Security retirement benefits too soon could lose up to $300,000 over 25 years or $1,000 a month.

Dave Giertz has been Senior Vice President-Nationwide Financial Distribution and Sales at Nationwide Life Insurance Company since April 3, 2013. He has been President of Nationwide Financial Distributors Inc. since March 2013. He also serves as President, Senior Vice President and Director for several other Nationwide companies at https://twitter.com/davidgiertz \. Previously, Mr. Giertz served as Vice President-Sales, FI/WH from 2009 to 2013 and as Vice President-NF Sales (Bank Channel) between 2004 and 2009.

Mr. Giertz has over 31 years of experience and has passed four exams. He is registered with FINRA as a broker.

Karl Heideck Provides A Broad Spectrum Of Legal Services To Clients

Karl Heideck Provides A Broad Spectrum Of Legal ServicesA litigation attorney provides legal representation to businesses, organizations, and individuals involved in or anticipating to be involved in lawsuits of different types. A litigation attorney typically represents either plaintiffs or defendants.

Litigation attorneys work in a number of different environments. These include businesses, different types of organizations, governmental agencies, and in private practice. Indeed, there are large law firms that maintain separate departments dedicated specifically to litigation. There are smaller firms that focus specifically in litigation.

Oftentimes, a person makes the decision to be a litigator while still in law school. As a result, a student who wants to be a litigation attorney will take classes that include evidence, civil procedure, and courtroom practice.

A student interested in becoming a litigation attorney is also apt to participate in a law school moot court program. He or she is also likely to be part of a law school’s legal clinic.

A legal clinic gives a law student hands-on experience representing actual clients while still in school. He or she works under the supervision of an experienced, licensed attorney.

A good many law students try to find positions with a local, state, or federal prosecutor upon graduation. They take this course in order to garner actual courtroom experience before fully embarking on a career as a litigator.

Karl Heideck is an experienced, respected litigation clients representing clients in Pennsylvania. His offices are in Philadelphia.

Heideck graduated from Swarthmore College, with a degree in English language and literature, with an emphasis in letters. He then graduated from Temple University School of Law. Heideck graduated with honors from both schools.

In addition to practicing as a litigation attorney, Heideck represents clients in other areas of the law as well. These include commercial law, products liability law, and employment law. He also represents clients in regard to regulatory compliance and risk management.

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Betty Devos: A Background to Her Giving

Betsy DeVos, graduating from Holland Christian High School, went on to get her Bachelor of Arts degree from Calvin College in Grand Rapids, Michigan. She “married entrepreneur, philanthropist, and community activist Dick DeVos, and together, they have four children and five grandchildren. She was elected four times as chairman of the Michigan Republican Party, served as Chairman of American Federation for Children, and a board member of the Foundation for Excellence in Education. This organization pairs at-risk elementary students with Christian adults to mentor these children at least one hour a week. Her conviction, “Reform America’s broken education system by giving parents more options for their children’s education.”

Read more: https://www.nytimes.com/2017/02/22/us/politics/devos-sessions-transgender-students-rights.html?_r=0

Along with her husband Dick, Betsy DeVos founded in 1989 the Dick and Betsy DeVos Family Foundation. Their primary focus is on education and Arts & Culture. In 2015, they spent $10 million on organizations like The Potter’s House, Partnership for Educational Justice, Success Academy Charter Schools, and many more. They also donated $22 million “to launch the DeVos Institute of Arts Managements at the University of Maryland.” This Organization was to strengthen the business side of art organizations. Donations also go to civic, community, leadership, Public Policy, Health & Human Services, and churches. What is remarkable about their donations is that they put no restrictions on how the organizations use the received donations. What they want to see is that the donations are used to make a difference. The DeVos donated $200,000 to the Potter’s House. When looking into the Potter’s House their own children were of school age. It was hard for them to see the struggles parents, many low-income families, of the Potter’s House Christian School to keep their children in a save, loving environment where learning is exciting! Tuition was a real sacrifice for them. The DeVos were constantly drawn back to that school and finally they decided to support individuals there. That commitment continues to grow today. The Partnership for Educational Justice received $400,000 from the DeVos family Their projects challenge unfair educational policies and propose common sense solutions. Policies in education should be based on evidence and common sense. Sometimes things that seen obvious are the things we overlook. Their commitment is to strengthen their schools by pursing these means. Another DeVos commitment was $150,000 to the Success Academy Charter Schools. The original school founded in 2006 was offered in Harlem for Kindergarten and 1st grade scholars. In 2008, because of their success and high parent demands to send their children there, three new elementary schools opened. In 2015 they opened two new middle schools. Today there are 41 free public schools, including high schools all founded on the principle that every child can succeed.

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Brad Reifler: Key Financial Principles for Attaining Financial Success

It requires discipline, determination, and proper planning to achieve financial success. According to Brad Reifler, learning new trends and developments in the financial sector is a major step towards attaining financial prosperity. Learn more about Brad Reifler: http://www.marketwired.com/press-release/brad-reifler-forefront-capital-advisors-ceo-announces-new-partnership-with-easter-seals-2104550.htm

Principles of financial success

  1. Budgeting is crucial

People should allocate enough time to budget their earnings – they must figure out the amount of money they are planning to spend and what amount they are willing to save. Financial management could be easier and exciting if people handled their finances just as established businesses do.

  1. You receive less than what you earn

With the presence of direct deposit, many people do not take the time to evaluate their earnings. It is imperative to know the amount of tax you pay. That way, you can budget your income well and eliminate unnecessary expenses.

  1. Mining the gold in the compound interest

Young people can retire gracefully by starting to save for retirement early. The interest that your money earns is included in your balance. The compounding effect leads to substantial gains over an extended period and saves you from the hassles of preparing for retirement.

  1. Improve your credit worth

Pay your loans on time and work on your credit record. If a credit card is a huge temptation for you, consider paying your rent early. A starter loan is also instrumental in boosting your credit worth.

Understand the above financial principles and then start practicing them. Once they start generating positive results, you can pass them to other young adults. Understanding financial concepts such as saving, credit, and budgets will help you build a reliable and secure financial future.

Brad Reifler

Brad Reifler is an American investor and terrific dealmaker. In 2009, he launched the Forefront Management Group, a globally acclaimed investment banking company that offers wealth management planning and advisory services to individuals and corporations on the open and restricted basis.

Reifler started his career in 1982 after founding the Reifler Trading Corporation, a firm that specialized in the execution of global derivatives. He sold the company in 2000 to Refco.

According to Market Wired, Brad Reifler founded Pali Capital in 1995 and served as the CEO and Chairman until 2008. Under his guidance, the firm was making $200 million in profits consistently.

The company expanded to incorporate over 200 workers. It also opened new subsidiaries in the United States, Australia, and the United Kingdom.

Omar Boraie – Transforming The City Landscape of New Brunswick Single-handedly

When discussing the journey of development of New Brunswick, NJ, it remains incomplete until the name of Omar Boraie, Vice President of Boraie Development LLC, is mentioned. He came to New Jersey as an immigrant from Egypt. Here he was completing his doctorate in Chemistry, during which time he realized the city of New Brunswick had the immense hidden potential for real estate development. With this vision in mind, Boraie Development LLC started.

Boraie Development LLC is one of the top real estate development firms in New Jersey, focused on developing highly luxurious and unique residential and commercial projects. The company has developed many landmark projects in New Brunswick and surrounding regions. Omar Boraie is active not only in the real estate sphere but is also widely respected as a generous philanthropist and is associated with many different charitable organizations in the region.

One of the recent projects by Boraie Development LLC is The Aspire, which is a luxurious residential apartment consisting of over 300 rooms of one room studio and two bedroom apartments. It is one of the prime addresses in the town and includes all the modern facilities urban dwellers look for. Other notable projects by Boraie Development includes Albany Street Plaza ad Rector Street. Other active cities where the company has been actively developing are Atlantic City and Newark.

Omar Boraie is one of the trustees at State Theater in New Brunswick, which is one of the oldest theater groups in the city. Omar Boraie also recently contributed $1.5 Million for research and development in the field of genome science and precision medicine (http://patch.com/new-jersey/newbrunswick/omar-boraie-chair-genomic-science-established-rutgers-cancer-institute) for better cancer therapies. Omar Boraie has helped in the overall development of New Brunswick through not only his real estate ventures but has opened restaurants in the area too. In Atlantic City, he has invested in the development of casinos and other recreational areas.

Today, Omar has come a long way from where he started and is one of the most distinguished personalities residing in New Jersey, reports Rutgers Magazine. He has helped the community by developing the city landscape, providing commercial space that was much needed for economic development, and developed residential complexes at par with the international standards. Even as New Brunswick had come a long way from when Omar started, he still believes there is a lot of development that can be done. And, he continues to find new ways to contribute to the society and his sons are carrying forward his legacy as they take care of the majority of Omar’s business now.