David Giertz found that many wealth advisors are not talking to their clients about how Social Security will affect their retirement. He found that the most probable reason for this omission is the 2700 Social Security rules in the Handbook. Still, Social Security must be discussed because it adds up to about 40% of most people’s retirement monies.
David Giertz also noted that the timing when a retiree starts receiving benefits should be a major part of the discussion with a wealth or financial advisor. If you start receiving benefits too early, you, the retiree could forfeit as much as $300,000 over the benefit receiving period. So starting the Social Security payout period at the right point could result in the retiree receiving $1000 less per month over a period of 25 years.
David Giertz is President of Nationwide Financial Distributors at Nationwide Financial. The Nationwide Financial Institute did a survey of people in retirement and those having ten years before retirement. What they found was very disturbing. Many advisors do not discuss Social Security disbursements with their clients. This could be a major portion of the retirement monies for an individual or a couple, so it is an essential element of the after work years planning process.
Giertz has 30 years experience working in financial services. He started his advising career at Citigroup and moved to Nationwide in 1999. At Nationwide, he has grown the business from $11 billion to 17.8 billion. He made these changes by growing different sectors of the business: private-sector retirement plans, mutual funds through banks, life insurance, specialty markets, annuities, RIAs, IMOs and wire houses.
As the successful President of Nationwide Financial Distributors, Giertz is now spreading the word about the failings of so many financial advisors. Leaving Social Security planning out of the conversation with their clients means they are doing a serious disservice to their clients. Forty percent of anyone’s total financial picture is huge. Most people work for at least 35 to 40 years before retiring. All the money they paid into Social Security amounts to a large sum of money, but not understanding the most profitable way to access those monies could result in a huge loss. David Giertz advises clients to find wealth advisors who understand Social Security and can advise them about the best ways to begin drawing those benefits.
When it comes to leaders, they don’t make them any better than Bob Reina of Talk Fusion. He is exactly what a leader should look like in terms of how they lead other people and how they get the best out of people. That has never been an issue for Bob Reina. When his mind is set to something, you better believe it is going to get done and it is going to get done the right way. You can take it to the bank. He has proven that, over and over again, with Talk Fusion. Talk Fusion is his pride and joy, and it is something he has worked very, very hard as the CEO and founder.
After all, if someone is going to attach their name to something, they want to make sure it is something special, unique, and one of a kind. Talk Fusion, without question, is changing the game for people that are looking to work from home and change their lot in life. They have worked 9-5 jobs in the past, and the jobs have left them feeling unhappy, drained, and bored. That is the last thing Bob Reina wants anyone to feel when he or she uses Talk Fusion. He wants them to feel inspired, excited, and full of passion.
He likes to put the passion into passion project. As a former police officer, he knows what it takes to get the job done the right way. He knows people, he knows what they need, and he knows what they are looking for out of life. He has that ability to really connect with people. At his core, he is a people person. He takes the time to show he is not too big for his britches and he is not someone that is going to let all of this success go to his head. Learn more: https://www.martechadvisor.com/author/bob-reina/
If anything, it only inspires him to do even more with Talk Fusion. He knows the work is nowhere near close to being finished. This is just the start for Talk Fusion. It is why he is always on the hunt for the next big thing with his company. He knows the minute he becomes too comfortable or lets his guard down, that is when someone comes in with a better idea and steals the show. Bob Reina does not want that to happen to his company or the people that work for the company.
Everyone has put a lot into this, and they want people to feel like they can accomplish their dreams and they can do anything they set their mind to if they commit to it and really go for it. Their time is now.
Eli Gershkovitch gained interest in craft beer after graduating from Law school at Toronto University. This was after he tasted Belgian craft beer while taking a tour of Europe. Eli Gershkovitch started doing research on craft beer and the craft brewing business while he practiced law while living in Vancouver. This also helped Gershkovitch overcome the initial legal hurdles he faced while trying to get the local authority to license his first craft beer brewery. Gershkovitch’s chosen location had been an old building that had a steam heating system. Through innovation, Gershkovitch was able to use the steam system to develop a steam-powered brewing system, hit this. This gave birth to Steamworks, Gershkovitch’s first craft beer brand. The company has grown from six beers in the first year of operation to become a functional brewery that sells its craft beers across 14 states in the United States and various provinces in Canada.
Craft beer is the most popular type of beer in Canada. It has a 10% share of the beer market in the country. Its popularity has seen the number of local breweries grow from 88 in 2006 to 520 local breweries in 2015, head over here. The most popular ones include Spruce Beer, which comes in alcoholic and non-alcoholic versions. Its brewing is restricted to a few breweries, with Garrison Brewery being its main producer. The other popular type of craft beer is called the Ice Beer, manufactured by crystallizing the beer in cold temperatures then using freeze distillation to have a higher alcohol to water ratio.
The Packaging of Craft Beer
Craft beer is packaged in cans since beer cans are packed in large volumes and are also light. They are also light resistant and oxygen resistant if properly packed, read more. This helps increase their shelf life since light and oxygen affects beer shelf life longevity. Craft beer has attracted a lot of support from various provincial authorities, with Ontario investing $1.6 million in expansion and marketing of twenty breweries. Alberta has also invested $20 million; this support has helped push sales to an average of 36% and attracted big corporations, who have partnered with the local breweries.