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 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. 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.

 

The Landmark Buildings that Jason Halpern has established

Jason Halpern is a well-informed and experienced professional in the construction of real estates. His family has many specialists in the industry, and they own a company that has been inherited for generations. They have been in the real estate construction business for approximately five decades. Halpern’s family owns and manages a construction company that has established more than one hundred residential and commercial premises that are in New York and Westchester County. The development firm also has state-of-the-art properties that provide millions of square feet space that is leased to people who require commercial space.

Jason Halpern

In the 1990s he became the founder of JMH Development, which is now renowned for establishing top-notch real estate properties in the major residential and tourist cities. The areas where it has constructed buildings include Brooklyn, Manhattan, and Miami. Jason’s company has been purchasing land and historical properties and transforming them into modern structures. JMH Development has been completing its projects by joining efforts with other enterprises in the industry. The residential units that they establish are either sold or leased to people. The business is also focused on providing jobs to the residents of the cities and towns where it conducts its construction projects.

JMH Development has an excellent record of establishing several renowned real estates. One of these properties is the lavish Aloft South Beach hotel, which was created by reconstructing the Motel Ankara. JMH Development worked on the project with companies such as Plaza Construction, ADD, Inc., and Madden Real Estate Adventures. The property that is based at Miami Beach has over 235 rooms, and it is located close to the Lake Pancoast and Collins Canal. The real estate development firm also constructed a magnificent residential apartment at 184 Kent Avenue. The property was established by transforming an old warehouse. The building is in the Brooklyn area, and it consists of 340 top-notch housing units. The company refurbished the Townhouses of Cobble Hill and changed it into nine classy townhouses.

Jason is a charitable person and has been showing his support to communities in the United States and the rest of the world. He currently supports the Joel A. Halpern Trauma Center. The facility is a well-established Level 1 Trauma Center that has the best machinery and doctors to attend to emergency heart problems. The services that it provides include open heart surgery, neurosurgery, orthopedic surgery, as well as treating fractures, and internal bleeding.  It currently runs a program to supply clean water to the people of Nepal and Egypt.

Daniel de la Vega, Aviv Siso, Laura Garcia, Louis Buckworth, Jason Halpern, & Thomas Juul-Hansen

Adam Milstein: A Man of Family, Community, & Philanthropy

Adam Milstein is an Israeli-American, a philanthropist, and real estate investor. Adam graduated in 1978 from the Technion and arrived in the United States in 1981. Adam Milstein earned his MBA from USC in 1983 and began a career in real estate. Currently, Adam is the Managing Partner at Hager Pacific Properties. Hager Pacific Properties owns and manages over 100 properties throughout the United States. In addition to working in the private real estate industry, Adam is the co-founder of the National Israeli-American Council, and is a significant board member of various organizations. Family and community are two values that are very important to this entrepreneur. Both Adam Milstein and his wife Gila, provide free books to Israeli-American Jewish families in Hebrew, with a focus on promoting core Jewish values. This is all possible through the Sifriyat Pijama B’America organization.

An entrepreneur at heart, Adam Milstein realized that he had to strike out on his own when recruiters didn’t have what he was looking for. Adam forged a career in Commercial Real Estate, working for 3 years as a broker. Following his success as a broker, Adam branched out into investing in real estate. Three keys to Adam’s success as an entrepreneur has been his commitment to following-up, consistence, and persistence. Adam has credited his success in business because of his nature to be self-driven, understanding the value of working hard for the long-term success, and the importance of not listening to criticism. There is no such thing as making a fortune overnight putting all your efforts into one venture.

Philanthropy is a significant thing that Adam Milstein engages in, because it not only benefits others, but it makes his daily life and work more satisfying. Adam Milstein is involved with organizations and efforts that work to strengthen the Jewish people, the relationship between the United States and Israel, and the State of Israel.

Additional News:

Adam Milstein on LinkedIn

Securus Technologies Is a Great Tool For Uncovering Crimes

Securus Technologies is bringing a whole new world of innovative technology to your very own home. Oftentimes, any of us find ourselves in unfortunate circumstances in which those who are close to us are faced with a difficult time in their lives in which they are placed in jail. If this happens to be your case, then it is possible that you’ve found yourself in a predicament in which you will need to visit the jail by setting up an appointment with one of the officials at the front desk. You may then come to realize that the jail facility is so busy that you are unable to set up an appointment at a time that you had wished to have had such a form of visitation conducted. This can be quite problematic as you had wanted to visit your friend, significant other, or relative while they’re enduring through a tough time in which they may begin to feel lonely while incarcerated, but you also were not able to cancel other important obligations that you may have had, such as school, business, or other types of responsibilities that required your attendance/attention. Securus Technologies understood that such dilemmas exist in people’s lives, and therefore, have created an opportunity for them in which they can now successfully communicate with the inmate that they’d wanted to visit through means of video chatting sessions from the comfort and privacy of their own homes,

 

Securus Technologies is not only providing everyday citizens with wonderful benefits, but it is also giving a great advantage to law enforcement agencies in solving crimes. It is a great tool that enables people to not only connect with one another, but also one which enables law enforcement agencies to utilize whatever has been said within the conversations of the video sessions as evidence to use for opening investigations if dangerous crimes, or any type of crime for that matter, is discussed within them.

 

Why Sam Tabar is the World’s Leading Capital Strategist

Sam Tabar is a versatile individual who has made a tangible impact on distinct sectors. He has served as a lawyer, investment advisor, financial executive, and philanthropist. Today, he works at FullCycle Energy Fund as the COO. He directs the firm’s fund management plan. He collaborates with skilled professionals at FullCycle Energy Fund to facilitate the attainment of the company’s mission of moving away from costly, harmful fuels to cost effective and earth friendly fuels.

Financial management expertise

Tabar has spent several decades directing budget strategy for many financial institutions. He held the position of Head of Capital Strategy at the renowned Merrill lynch. In this capacity, he introduced fund managers to corporate investors such as foundations, fund of funds, endowments, pensions, and family offices. Tabar was also an employee of the Asia Pacific-based Sparx Group (PMA). He directed all aspects of an international marketing effort. He offered a personal Rolodex of over 2,000 prospective investors and acquired assets worth over 1.2 billion. He also developed a revolutionary marketing strategy for high net worth investors and family offices.

Accomplishment in the law sector

In September 2011, Tabar joined the New York-located Skadden LLP as a senior attorney. His role entailed overseeing regulation and compliance issues, employment and private placement, evaluating side letters and investment management agreements, and advising clients on the process of structuring and establishing hedge funds.

Charitable giving

Sam Tabar is on a mission of transforming the world into a perfect and safe place. He dedicates a bigger chunk of his resources to charitable organizations such as THINX and Africa Wellness Initiative. He leverages these two non-profits to assist children, underprivileged women, and young adolescent girls. These non-profits specialize in improving health care services and creating job opportunities. THINX offers outstanding sanitary solutions for women in Africa and other developing nations. It develops fashionable undergarments specially designed for menstruation.

Academics and other interests

Sam Tabar earned his BA from Oxford University and joined Columbia University for his law degree. While studying law, he was responsible for editing the Columbia Business Law Review. He is active on social media sites like Vimeo and Twitter.

An Entrepreneur with High Ideals: Flavio Maluf

Flavio Maluf is a successful Brazilian businessman, entrepreneur and a professional engineer. His competent leadership and expert business skills have led him to being the president and chief executive officer of Eucatex Group. Flavio serves this firm diligently with an aim to advance his industry as well as the Brazilian economy. His visionary insight in the business world led him to major on creative and new innovations, and he has capitalized heavily in the launching of new products within his well-established industry.

His Contribution in Eucatex Group

Eucatex Group is the very first firm to invent acoustic and environmental comfort by using natural eucalyptus as the main source of raw material for boards and panel production. Soon after this innovation proved fruitful, Eucatex Group started undertaking the new venture of producing acoustic ceilings as well as soft wood fiber sheets to be used for the manufacture of insulating acoustic plates. All this while, Eucatex Group focused on utilizing only natural products and environmentally friendly processes.

His Education and Charity Work

He is a graduate of Fundacao Armando Alvares Penteado where he earned his Bachelor’s Degree in mechanical engineering. Additionally, he studied and worked at New York University before returning to his hometown Brazil. With educated children, Flavio Maluf is proud of his family. Despite being a busy entrepreneur, Maluf takes time to involve himself in inner workings and duties of his factories as well as his employee’s lives. Flavio Maluf takes a genuine and core interest in bettering the living standards of individuals in Brazil as well as communities and people in need. Not long ago, he collaborated with Hospital and Maternity ward Idio Carli with an aim to modernize the conditions of the hospitals as well as better healthcare services.

Conclusion

Being a man of classical dignity, Flavio puts his people and the environment ahead of his own gains and financial accumulation. He is one of the most influential businessmen in the world following his big dreams and innovation for the advancement of Brazil.