David Giertz Tells Retirement Advisors To Take Social Security Investments Seriously

Update 6-6-2017:
If you’re interested in more of what David Giertz has to say on the topic of social security and investment, he has a great French Tribune piece on just that. Including some important information that you may not be getting from your current social security advisor. This is financial planning 101.

Update 5-6-2017:
Just informed that David Giertz had a new interview go up, and I think it’s worth a read. Plenty of interesting insight into what makes his business brain think, and helps you understand what has driven Mr. Giertz to get to this point in his career. Check that out David’s interview here.

Saving for retirement is one of the most important things that anyone working should do. However, it is not only about putting money aside under a retirement plan at https://twitter.com/davidgiertz, one also needs to know about the receipt of the benefits and the costs associated with it. A research conducted by the Nationwide Retirement Institute showed that most people retired or on the verge of retirement do not fully understand social security. This results on MoneyTips.com in less than expected retirement benefits due to the unknown taxes.

David Giertz was interviewed on angel.co recently and he emphasized the need for advisers to talk to their clients about social security during retirement. He said that if the research by his institution was anything to go by, an adviser risks losing clients if they do not do so. The research showed that 4 of 5 people would change their adviser if they failed to talk to them about social security. For the client lack of this knowledge may lead to disappointment later in life. David Giertz argues that social security may lead to reduction of funds received during retirement up to 40% of the expected value. This may lead to financial strain on the individuals.

David Giertz is financial adviser working with Nationwide Investment Services Corporation. He holds the position of Senior Vice President of Nationwide Financial Distribution and Sales since 2013. Before his current position, he worked in other positions in the company. With over 20 years of experience in the financial asset, David Giertz is a major asset at Nationwide Investment Company ensuring that clients fully benefit from the services. He is also very concerned about clients and thus feels sorry for the failure of other advisers who do not address the issue of social security. He attributes this failure to the complexity of the rules relating to the social security.

Stock-Based Loans and Equities First Holdings: Two Different Names People Mistake for Each Other

I refuse to follow the train of thought that classifies people mistaking stock-base loans for Equities First Holdings as unintelligent and forgetful. Anyone could fall into the trap. Equities First Holdings has done so well with its stock-based loans that it is only apt to appreciate the company by mistaking any of the two names for the other. That is one of the highest levels of appreciation. It simple connotes that the company stands taller than any of its competitors.

This accolade is well deserved for a company that has rescued many business persons and organizations from the brink of extinction. Great business ideas that could have been buried have been watered to maturity with stock-based loans. Left to conventional lenders, these ideas would be as good as dead by now because there will be no capital to actualized them. Outrageous collateral demands by banks and other conventional lenders would definitely have scuttled these ideas.With stock-based loans from Equities First Holdings, all that is needed to access much needed quick capitals is some stocks or shares in any functional company. You do not need to sweat over how to get collateral for loans. That way, you can turn your dreams into realities, which in turn will be a blessing to the nation providing gainful employment to the jobless.

Also, the fixed, affordable and negligible interest rates on stock-based loans from Equities First Holdings keep creating fans for the company. Many companies have folded up because they could not keep up with the huge interest on loans offer by conventional lenders. After paying these exorbitant interests, these companies are left with little or nothing to run their businesses and pay their staff.The management of Equities First Holdings counts it an honor when clients mistake the company’s name for stock-based loans. EFH is determined to ensure this pleasant trend continue by going the extra mile for its esteem clients both now and in the future.

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Equities First Holdings Proved to be Great Lender of Stock-based Loans

Toward the starting of the year, Equities First referred to an expanded interest for stock-based and margin loans. The company experienced the condition at a period when the larger part of financial associations continued fixing their loaning criteria. The loaning options given by Equities First continue picking up fame among the borrowers who look for speedy capital and with the bigger percentage represented by people and new businesses associations who don’t fit the minimum requirements of standard or customary loans and read full article.

With the extended loaning restrictions that are used by banking associations, that has prompted the rise of interest by borrowers looking for alternatives, especially for the loans secured by stocks. Stock loans take pride of the non-recourse highlight, which permits borrowers to leave their loans at their own pleasure and that particularly takes place when stock value falls. The advantages of these sorts of loans are that the borrower may in any case retain the borrowed cash with no additional responsibilities to the company. For a long time, stock loans were abundantly slighted and individuals never took them as an alternative from unfaithful moneylenders who fled with borrowers’ stock. Unlike such unscrupulous loan specialists, Equities First has kept a strong foundation of straightforwardness and dependability with all its clients.

Equities First is an independent, non-purpose and head full-service lender offering financial help to firms and individuals. The organization practices with items that are intended to successfully supply liquidity at engaging terms through a safe and straightforward process. The excellent approach of the organization towards non-reason funding has prompted yielded thousands of exchanges to date. Equities First Holdings was commenced in year 2002 after which it extended its system and operations into world boondocks. With respect to that, it works an arrangement of workplaces in Hong Kong, London, Sydney, Perth, Bangkok,Singapore and contact it.


Why Stock-Based Loans Are Taking Prominence in the Capital Market

Over the years, global lending firms have been rising rapidly thus contributing towards the development and establishment of many business entities. This has necessitated the development and emergence of many investment and equity firms that have specialized in offering financial support to startup businesses. Equities First Holdings is a world leading equity lender that has been playing a major role in ensuring investors access soft loans at reduced rates.

The company has also invested in stock-based loans to try and help the general public to access funding since the lending institutions and the banks have been increasing their interest rate. This has affected the market negatively prompting other key players like Equities First Holdings to come in and invest in the financial industry. They provide flexible lending rates to the investors who intend to invest in small and medium business entities. They have been termed as the alternative financial lenders to people who intend to get money faster and who have limited access to commercial lending institutions.

The stock-based loans are very flexible on the borrower as they provide a fixed interest rate regardless of the prevailing market conditions. The loans are not affected in anyway during the marketing variation that is always experienced by people during the repayment period. At this time, other loans will vary in the repayment interest which is dictated by the market condition while the stock-based loans will still perform normally. This has led to an influx of people seeking to invest in Equities First Holdings rise gradually over the past few years. Stock-based loans have been attracting more investors compared to margin loans. The margin loans are considered harsh as they required individuals to pre-qualify before being given one and comes with high interest rate of between 10and 15 percent. They have tough rules regarding the collateral to consider.


Equities First Points Out Changing Pattern

While the United States economy struggles, we are all suffering from the 2008 housing collapse. The atmosphere is worsened by the exit of the United Kingdom from the European Union. The numerous traditional investment tools such as bonds, stocks, and mutual funds have become extremely volatile in this environment. For Equities First Holdings, LLC, this environment is so important because it presents the untapped opportunities in the financial markets. The company has noted the increased demand for the stock associated loans for many borrowers.

Equities First Holdings, LLC is a global leader in the provision of alternative financial solutions such as the stock-based loans to high-net-worth individuals, businesses, and large corporations. For this reason, the company has noted that many investors are moving towards using stocks as collateral to achieve the financial solutions through loans. For this reason, Equities First Holdings, LLC believes that there is an increased interest rate in banks and other financial solution institutions to scare away the investors.

Therefore, the banks have raised stricter criteria to qualify for the loans. While most people can understand this criterion from the economic down-time of 2008, some of them are seeking the stock-based loans as a way to make them qualify for the loans. This is the newest way to make individuals and other businesses secure working capital in the world of finance. According to Equities First Holdings, LLC, this is a better alternative.

Because banks keep on misbehaving during harsh economic times, these loans are there to solve people’s problems. For this reason, they can receive a low-interest loan or qualify for the amount. Typical stock-based loans offer low-interest rates between three percent to four percent. Moreover, these loans come with minimal or no restrictions. For the money, the borrowers receive a broad range of options. On the other hand, there is an associated risk with the loans. For those who skip payments, ensure that these stocks retain their amount of value. This action can accrue some problems in this unpredictable economy.

Equities First Holdings, LLC was incepted in 2002. It specializes in alternative financial solutions using the stock-based loans.

Three Ways You Can Win with Investment Banking

If you are looking for banking options, you might be feeling overwhelmed. After all, there are many options to choose from. However, you don’t need to any longer. The research is out and the answer is clear: investment banking is here to stay.

Firstly, investment banking has more resources to invest in secure technology. This means that your valuable personal information will not be compromised. Then there is the issue of attracting foreign market capital. They are able to pool funds together to take advantage of unique opportunities and give you a share of the profits, unlike other firms that are smaller or less experienced. Finally, you will simply have more options. If you are wanting to have a higher return but higher risk investment, you can do it.

When it comes to investment banking, you can never have too much information. The professionals working at these firms will get you everything you need. You don’t need to worry about your wealth being in the wrong hands. You’ll enjoy the peace of mind and better finances by having an investment advisor show you the path to success.

Martin Lustgarten is an investment advisor with years of experience in the industry. He is from Austria but also is a citizen in Venezuela. He uses his nationality to gain access to international financial instruments to grow his own wealth quickly and reduce the downside risk. He believes in spreading wealth around the world and also does this for clients.

Using his keen insight into markets, he makes his clients money quickly while also reducing the chance that they lose any positions they hold. Because of his international viewpoint, he is able to watch investment markets and spot trends. He can see if a market is about to make a downturn and get his clients out of the way of disasters. He can also spot rising trends and put more gas on the investments that will make his clients more wealthy. So if a local market is bad but one abroad is not, he can help you take full advantage of it. His fellow advisors in the industry often emulate him.

A Financial Service Provider Acquires New Jersey-Based College Savings Bank

Texas-based Nexbank SSB has recently announced that it has acquired Princeton, New Jersey-based College Savings Bank, which specializes in 529 college-savings programs (original article found here). According to John Holt, Nexbank’s CEO, although no terms of the deal were released, the New Jersey bank will maintain its name, branding, and operate in its current location. Nexbank said that the New Jersey bank has concentrated on college savings program since its establishment in 1987. Over the years, it has served as the program manager for Arizona Family College Savings Programs and Indiana College 529 savings plan.

Nexbank SSB is a subsidiary of Nexbank Capital, which offers a spectrum of banking services to its customers across the globe through:

  • Investment banking
  • Mortgage banking
  • Commercial banking.

About Nexbank

Nexbank provides custom-tailored banking and financial services to high-net-worth investors, corporations, and institutional clients across the US. As a market leader, Nexbank strives to deliver highly-valued services to its customers at every opportunity. Nexbank’s customers can access personalized and sophisticated financial solutions through the company’s dedicated and experienced professionals with proven track records of accountability. Nexbank has been in the banking sector with a charter dating back to 1992. The bank is committed to providing high-performance solutions to meet diverse, complex customer financial needs.

Nexbank’s 2015 financial report

For the fourth quarter and full year of 2015, Nexbank reported a strong consolidated financial result, which is a fourth consecutive year it has reached its projected levels of assets, profitability, and loans and deposits. Nexbank’s net income increased from 23 % in 2014 to 35 % in 2015. Furthermore, its total assets reported a 48 % growth reaching $2.72 billion compared to the previous year. Additionally, Nexbank’s lending increased by 42% in 2015 while total deposits recorded a 32 % growth. According to John Holt, acquisition of College Savings Bank diversifies Nexbank’s balance sheet through the additional deposit.


Secrets to Lasting Wealth With Martin Lustgarten

There are many people who long to have so much money that they do not have to do what they hate. What is amusing is that these people are often quite poor, though they may take on debt to maintain the appearance of wealth. An ancient Jewish King once observed, “He who loves pleasure will be poor.” Lasting wealth is found when we identify what we (and our peers) do not like to do, and do it frequently. A good example is common undergraduate starting salaries. One of the most frequent undergraduate degrees is economics or business. Many students assume that because a degree has money in the title, it will bring money when they graduate. What they do not understand is that your service as an employee is a type of price. When the supply of a particular good or service (labor) is high as compared to the supply (available jobs) the price for that service will be low. The price of an employee is their salary.
According to www.study.com, economics majors can expect to make about $40,000 a year. Most students do not opt for challenging majors such as those in engineering and mathematics. Since most do not, the supply of labor in those fields is always low. The demand for experts in scientific fields is generally high. This creates a favorable situation where a chemical engineer can expect to make $70,000 a year. Just as the ancient Jewish proverb predicted, those who choose to suffer in their education and career wind up with more than those who spend their college years at dorm parties.

Being weird or nerdy profits the investor in the long run. Ignore the popular media trends. Focus on the hard facts.

Martin Lustgarten is a citizen of Austria and Venezuela. He is devoted to helping you and your family profit in all their investment decisions. Martin regrets that many people never reach financial peace, and he hopes to change that with his sound investment advice.

Be sure to contact Martin on LinkedIn if you would like to hear more useful tips to grow your wealth. Martin is standing by to counsel those in need of financial help. He looks forward to hearing from you.

Martin Lustgarten Provides Reliable Investment Banking Services

Whether you’re getting into the investment field for the first time or looking for information you can use to grow your existing portfolio, it’s imperative to consult a reliable expert. When it comes to choosing a reputable expert in the field of investment banking, look no further than Martin Lustgarten.

Working with an investment advisor could help you reach your goal faster. With a trusted advisor on your side, you’ll get the personal attention you need to succeed.

Investment banks perform a variety of functions such as facilitating mergers and acquisitions, underwriting, or brokerage services for institutions. These institutions play a very important role in the investment field and act on behalf of, or for public and private investors, corporations, and governments. Some of these banks also render professional services in helping their clients with essential know-how on various issues.

Investment banks are usually divided into two categories: the buy side and the sell side. A large number of investment banks offer services in both sell side and buy side categories. The sell side typically involves placing new bond issues, selling shares of newly issued Initial Public Offerings(IPOs), helping clients facilitate transactions, or engaging in market making services. The buy side, in contrast, deals with hedge funds, mutual funds, pension funds, and the investing public to provide the assistance they need to maximize their returns on investment.

Over the years, Martin Lustgarten has helped countless clients raise funds for various business projects. Martin’s innovative financing and investment advice has benefited many investors immensely, and earned him a lot of respect and admiration. His firm, Martin Lustgarten Investment Banking Firm, is widely recognized as a top rated investment advisory firm.

As an experienced investment banker, Martin Lustgarten has rendered services to a large number of corporations, entrepreneurs, and organizations around the world. Martin has a great reputation as a leader in the investment banking field. His advisory and capital-raising strategies and services are recognized as among the best in the industry. When you choose Martin Lustgarten as your advisor, or to provide you with investment banking services, you’ll be working alongside one of the best professionals in the field.

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When Life Hands You Young Minds: Make Lemonade with Nexbank


Investing in programs to build the next generation of entrepreneurs is how Nexbank is helping to develop young minds. On May 7th Nexbank sponsored a community-wide Lemonade Day throughout Dallas. Executive leaders John Holt and Mike Siekielski feel proud to help support an important program that offers young moguls an opportunity to realize their potential and build real skills to help secure their financial future.

NexBank Reports Strong Fourth Quarter and Full Year 2015 Results

Lemonade Day is a program started in 2005 as a way to teach school-age children the entrepreneur skills needed to start, own, and operate their own childhood classic business: the lemonade stand. Eleven years later this program continues to grow and is being sponsored in cities all across the country.

In addition to nourishing young minds; Nexbank provides commercial, mortgage, and investment banking services. A fixture in the community since 1922 Nexbank strives to meet their client’s complex and specialized needs through high performance solutions and innovative ideas. In the last five years Nexbank has grown to be one of the largest banks headquartered and operated out of Dallas.

With total assets of $2.7 million and continued growth and development of all service lines Nexbank is well poised to invest in the great business minds of the future. It is a strategic move that ensures good financial health for both Nexbank and the city of Dallas.