The Role of Financial Advisors

The role of a financial advisor is a highly important one in the lives of retired people and in the lives of individuals that have a few years until they can retire. According to Dave Giertz – a business leader of a financial institution – Social Security can make up as much as 40% of a retired person’s income.

In a recent survey of Nationwide Financial on Instagram, most of the people that have retired or will be retiring in a few years are not as informed on the topic of Social Security as they should be. The results say that their financial advisors do not communicate with them enough. Almost every person answered that if the do not receive the financial advising they need, they will look for a new financial advisor. But what is the reason for the lack of communication? David Giertz stated In an interview that Social Security is a vast topic to tackle and that most financial advisors in the United States are hesitant to discuss Social Security with their clients. Mr. Giertz also stated that being ill informed can cause a lot of damage to a retired person’s personal income and for that reason, financial advisors need to start being more open about the topic of Social Security at

Read more: These big mistakes will result in smaller Social Security checks

Dave Giertz is the president of NFS Distributors Inc – a part of Nationwide Financial. NFS Distributors Inc handles sales and distribution. Dave Giertz has had more than 30 years of professional financial experience. He graduated the University of Miami – School of Business with a Master’s in Business Administration and Management. David Giertz’ professional responsibilities as president of NFS Distribution include overlooking the division of plans for the private sector and life insurances, the development of wholesale strategies, the process of funding through banks and much more. Dave Giertz has been President since 2004.

Brad Reifler On The Real Money Monster

Brad Reifler has decided its time to change the culture of Wall Street because he’s felt for so long many people have been unwilling to invest due to bad advice given to them and limited options. He mentioned the movie Money Monster and how the storyline behind it was often true for many people.

So he’s decided to do something about it by opening the doors of his company, Forefront Capital to more people and not to simply profit off of people’s investments whether they make or lose money. This is a practice he’s called for an end to numerous times.

Brad Reifler says in order to overcome the real money monster investors need to stick to three principles. First, they need to look beyond the stock market for making investments because while there are other choices out there that are safer.

Second, they need to do their homework on the company they choose to invest with to see if the portfolio managers have delivered good results, and to make sure the company is stable in management. Third, Reifler says investors need to know why their investing and what their end game is, and they need to stick to that plan till it’s accomplished. Learn more about Brad Reifler:

Brad Reifler graduated from Bowdoin College and began his career at Reifler Trading Company, a company he personally founded that started out as a discretionary accounts manager, but eventually grew to a global derivatives and independent futures company. That company was sold to Refco Inc. many years later, but Reifler had also started Pali Capital back in 1995.

This company was a hedge fund management firm that used a unique approach to executing trades and managing funds. The company’s profits grew in the billions and had offices across Europe and Asia before dissolving in 2008. Reifler then founded Forefront Capital in 2010.

Forefront followed a similar pattern as Reifler Trading Company and Pali Capital in initially attracting wealthy accredited clients, but Brad Reifler wanted to change that to allow non-accredited investors as well.

Part of this was because several years ago he had tried to invest his father’s money in a good retirement fund, but since his father was not an accredited investor he couldn’t find a good investment fund. So he started Forefront Income Trust that allows anyone to invest in an IRA or public fund for as little $1,000 to start.

Learn more about Brad Reifler:

Everything You Need To Know About Cleansing Conditioner

You may have heard by now about cleansing conditioners from beauty bloggers or fashion magazines. This new product is all the rage among celebrities and beauty experts alike. While it cleans and hydrates hair effectively, it has almost nothing in common with traditional commercial shampoo and conditioner products.

For generations, women have been washing and conditioning their hair with liquid shampoo and conditioner products that contain harsh chemicals. Shampoos are notorious for containing high amounts of sulfates. What sulfates do is act as harsh detergents that strip the hair of its natural oils. These natural oils keep tresses moisturized and protected against environmental elements that can cause damage.

In addition to sulfates, most commercial hair care brands user filler ingredients that do nothing but damage and dry out hair. These ingredients are used as emulsifiers, fragrances and preservatives. The problem is that hair is fragile and simply cannot handle the high volume of harsh chemicals.

That’s why we now have cleansing conditioners. After years of research have proven the damaging effects of chemicals found in commercial hair care products, natural hair care brands are beginning to come up with formulas that rely on natural ingredients that restore hair back to its original health.

The most popular cleansing conditioner is WEN 5-in-1 Cleansing Conditioner. Formulated by Chaz Dean, a hairstylist based in Los Angeles, this amazing product cleans and deeply conditions delicate hair with plant-based ingredients. It’s free of sulfates and other harsh chemicals. Gentle botanical extracts like chamomile and rosemary rid hair of dirt and grease while keeping the hair’s natural oils safe from harm.

WEN Cleansing Conditioner is remarkably hydrating as well. Thanks to vegetable glycerin, a humectant that is known for locking in moisture, hair is softer and shinier than ever after just one use.

Thanks to Chaz Dean’s unique formula, women can finally achieve healthy and soft hair without using harsh and damaging chemicals.

People No Longer Keep Coming After Once Building

One of the old sayings that people used to go by with business is that when one builds, people will come. This is no longer true, especially with the internet. A lot of sites that are built tend to go under the radar because it does not show up on the front page of the search results. Also, people don’t know the site exists. Therefore, they are not going to visit. Therefore, it is important to do some kind of marketing and building of online reputation so that people will know about the business and visit it. Then once people gain customers, suggests it is important for them to take steps to keep the customers so that they will be able to get the business success that they need.

Whether people keep coming or not tends to depend on a few factors. One of the main factors is their own experience with the company. If a customer has a really bad experience with a company, then they are most likely not to come. Depending on the nature of the experience, they may write a review that may drive others away from the company which brings out the next largest factor in the online reputation of any company, the reviews.

When a company gets bad reviews, people are going to be able to decide beforehand whether or not a company is worth shopping for. This is one of the reasons that it is important for one to make sure that he is treating every customer equally. For one thing, people expect to be treated equally. Therefore, if they see a review of a company that is treating customers badly, then they are going to be expected to be treated badly with this company and therefore, avoid the company to avoid this experience.


Devos Family’s Charitable Contributions

Dick and Betsy Devos have faced criticism and received a lot of attention throughout the world. However, their charitable contributions have been unwavering, adding up to $139 million throughout their lifetimes. Recent events have seen their donations to Republican candidates and school choices being scrutinized. They have, however, launched millions into philanthropic giving through their foundation “Dick and Betsy Devos Family Foundation“. Reports suggested that in 2015 alone, the Devos family gave $11.6 million into charity work, doubling their total donations in the previous 5 years. The family has slowly become an integral part of dynasties that run republican politics for years.

The family, placed 24th on Forbes list, has shown value for education. Philanthropy has shown that education is a priority, awarding $357,000 to groups that support education forums. In a statement, Dick revealed that systems were hindering children from living the American dream. He has, therefore, worked to ensure efficiency by finding talented educators to help in reaching to every child. Beneficiaries of their efforts include: Compass College of Cinematic Arts in Grand Rapids, Ferris State University, Detroit Charter School among others. The couple itself is a benefactor of Grand Rapid Christian Schools and Potter’s House. The best thing about the family is that they donate without any conditions.


Dick Devos has continuously defended his foundation and has shown its credibility. John Truscott, the family spokesman, released a report that clearly reflected the Devos’ attempt to become more transparent about their donations. Dick himself said that his foundation’s giving met the criteria of charitable companies. This included the funding of the family founded charter school, advocacy group, located in Michigan. He also insisted that a majority of the giving is funneled at helping people directly, and not as suggested a political organization in any way. In any case, most of the groups that receive donations can confirm that they receive them without any strings attached.


Dick’s Work History


Dick Devos has held several executive positions at Amway, NBA’s Orlando magic and Windquest group. He was the president of the Amway Company from 1993 to 2002. This gave him the responsibility for all operations in 50 different countries across six continents. Before that, he had worked as vice president responsible for 18 different countries outside North America. His success was marked by the opening of new markets. Moreover, in 2002’s fiscal year, he led his company to make sales of 4.5 billion dollars. Dick Devos then became president and the CEO of Orlando Magic. He is also the leader of several community initiatives, having founded the Education Free Fund. This has worked to help the less privileged children by giving around 4,000 scholarships. Besides that, Dick Devos is a qualified jet aircraft and helicopter pilot.


Bernardo Chua: A Visionary Who Believes in the Power of Networking

Bernardo Chua, originally from the Philippines, is the CEO of Organo Gold. Organo Gold, founded in 2008 in Vancouver, British Columbia, is one of the largest producers of tea, instant coffee, and tablets. Bernardo started out as an employee of Gano Excel in the Philippines but gradually became a global entrepreneur.

After taking a position within Gano Excel in the United States, Bernardo saw an opportunity to make use of the Ganoderma Lucidium plant that Gano Excel included in its products. Recognizing the health benefits of the herb, Bernardo wanted to use the herb in coffee and tea.

Organo Gold, under the visionary leadership of Mr. Chua, has been awarded with People’s Choice Awards for Best Gourmet Organic Health Coffee in addition to Number One Global Network Marketing Company. Learn more about more Bernardo Chua:

The Ganoderma Lucidium mushroom is known in Chinese medicine for its antioxidant properties, and has been used by humans for centuries. Bernardo Chua, morer casually known as “Bernie,” is recognized for his unique use of the Ganoderma Lucidium mushroom in his beverages, teas, soaps, toothpaste, and other products which has garnered Organo Gold its success.

Bernie has also found success because of his know-how in utilizing direct selling methods. Organo Gold thrives because of its ever expanding network of Independent Distributors in over 39 countries. Recently, Mr. Chua opened a branch of Organo Gold in Turkey.

Bernardo Chua is a Napoleon Hill Foundation Gold Medal recipient and has a deep relationship with the Napoleon Hill Foundation. The Organo Gold Foundation works closely with Napoleon Hill, uplifting and giving young men and women leadership training for the next generation of enterprising business developers.

Bernardo Chua has expertly used network-marketing to grow his business to ever growing heights, with revenue over the hundred million dollar mark. Mr. Chua has active profiles on Twitter, LinkedIn, and gives rousing talks on YouTube. He has been written about on TheStreet, PRNewswire, and other online outlets.

Super Bowl Prop Bets – Pick The Point Spread, Or Pick Your Player

Laying down a few dollars on who will with the 51st Super Bowl in Houston, Texas next month is pretty common. The “Big Game” is the single most wagered sporting event of the year. You can get a jump on the fun by registering for an account at, where you can study all the football odds attached to dozens of potential outcomes.

You can always keep it simple, betting the point spread using the football odds set by the Vegas insiders, you can also bet on a variety of prop bets, some attached to the performance of individual players. Here are some ways to add some serious excitement to your Super Bowl experience us player prop bets.

No Touchdowns

One prop bet that people enjoy is also one of the simplest side wagers to understand. You can choose from a list of offensive players from either the Atlanta Falcons, or the New England Patriots. There are wagers on whether any individual player will score a touchdown, or not. Picks can range from the simple, “yes they will score, or no they will not score at all”, to determining if a player may score more than once. Another pretty easy player bet is predicting how many touchdowns either Matt Ryan, or Patriots quarterback Tom Brady will throw.

Get Your Kicks out of the Kickers

Another hugely successful prop bet for every Super Bowl game surrounds the kickers. With two of the games most accurate legs testing their accuracy in Houston, the kicking game is a nice place to test your football knowledge placing some prop bets. You can keep this simple also, removing both Matt Bryant and Stephen Gostkowski from the equation. Wagers can be made on the longest field goal, the first field goal, or even which team’s kicker misses his first try, regardless of who is attempting to split the uprights. Since both Bryant and Gostkowski are two of the most accurate kickers in the NFL, plus they have been known to nail long field goal attempts, you might want to consider wagering on this individual player piece of the game.

Touchdowns and field goals are the two prevalent ways that points will be put on the scoreboard in the 51st Super Bowl. Making a gamble on which team will beat the football odds is one way to wager, but consider adding a little spice, getting in on a little of the individual player prop bets.

Doe Deere Offers Tips About Starting A Business

Doe Deere began Lime Crime on an auction site, and she has grown the business into a large cosmetics retailer that operates only online. This article explains how she has built the company, her insights on running a business and what she believes as it relates to her brand image. There are several different ways the business reaches women, and a woman who is looking for something different will appreciates Doe’s company.


#1: She Is On-Message At All Times


A woman who is shopping with Lime Crime will see Doe’s face in all their advertisements. She is a beautiful woman who wears her own makeup every day, and she colors her hair with the dyes the company creates. There are several women who take inspiration from what Doe does, and she stays on-message by ensuring she is wearing the brand in each ad. A woman who wishes to maintain a similar lifestyle will find it simple when using Lime Crime.


#2: She Creates Vegan Products For All Women


There are many women who will find the vegan products on the Lime Crime site helpful because they are free of animal products. The first step was the vegan velvetines, and the company will expand to other certified vegan products in the future. They have a dedication to women who lead alternative lifestyles, and they will continue to offer products that help women live the lives they want.


#3: Doe Believes In Creative Planning


Doe has helped many women manage their beauty, and it is done with help from her creative team. She spends most of her day in creative meetings, and she shares ideas that will push the brand forward. She believes it is important for the public to know her company is looking for new ideas, and she believes every woman who uses her products will see the new ideas offering a better beauty experience.


#4: The Business Is Active Online


Doe uses an online business model that helps the company save money, and the company does not push into standard retail markets for fear their customers cannot reach them. Doe has created a beautiful home online that anyone will appreciate, and she believes it will increase sales as women have no trouble shopping.


Doe Deere is a fine example of a business woman who knows what she wants. She has built a brand at Lime Crime that is perfect for all ladies.


Rick Shinto Supports InnovaCare Health To Overcome Challenges In Management

Managing a company and getting results within a short time is something many don’t imagine can be achieved, especially for those who work in the competitive market on There are challenges of different forms and each time managers sit to draft strategies they have to look at the ways they can circumvent these challenges. Getting a company that is sinking back on track may take time but for Rick Shinto, this is something he accomplished within less than three years. He was appointed to take charge of InnovaCare Health in 2012 and before three years, the healthcare services provider had already gained momentum.

All that matters is the strategies used and the plans that are laid for a company to pursue long term goals. InnovaCare Health is currently a market leader in North American and continues to grow bigger, all thanks to good leadership on In the period between 2012 and today, the company invested a lot in hiring new professionals and restructuring to offer better services. Ne professionals who joined the company were individuals who have worked in the healthcare industry for not less than 20 years.

More about the leadership (Rick Shinto, Penelope Kokkinides)
The style of leadership applied to manage a company matters a lot and determines what the company will achieve in the long run. Rick Shinto, who took over from the previous CEO and President, is a focused individual who has also worked with several other companies before, thereby gaining the required skills to steer a large company.

Rick Shinto worked with Aveta Inc for four years until 2012 holding a position as the CEO. Other companies he worked with are NAMM California and MedPartners. His prowess as a clinical medicine expert inspired him to write journals and articles about the field. With the help he gets from Penelope Kokkinides, Rick Shinto has been able to turn InnovaCare Health from a struggling entity to a successful company on Crunchbase.

About the company
InnovaCare Health saw glory and revival when Rick Shinto took over the mantle of leadership in 2012. It is currently the best-equipped physician practice services provider in Puerto Rico, reason it has attracted many users of managed healthcare services on LinkedIn from the region and other parts of North America. InnovaCare Health continues to develop better structures through new methods of leadership and planning. It uses technology to enhance the quality of services and to improve access to cheaper services.

Dick DeVos’ Plans for Philanthropy

Dick DeVos has pursued many career in his life and has become a part of many prominent hobbies that continue to earn him and his family recognition due to the fact that he not only goes all the way with his hobby, but he constantly excels at his hobby and is always thought to be the best that he does. This way of thinking about Dick DeVos continues to be translated in the world of business which is a sector where Dick DeVos truly excels and and area where Dick DeVos is truly passionate in growing the family name of DeVos, a prominent name in Michigan and a growing name in the United States.


The DeVos family is known to be one of the richest families in the world as the founder as well as the current owner of a multinational and billion dollar corporation known as Amway Corporation, a company that specifically sells household products to individuals as well as to businesses all over the world. Dick DeVos loves his family company and has made sure to preserve the legacy that his father created from day one. The DeVos family is a growing name and is a growing name within the world of philanthropy as the DeVos family continues to make large donations to deserving individuals and to deserving foundations.


Dick DeVos himself has been able to accumulate his own wealth over the years and was even found to be the 67th richest individual in the world with a total net worth of over 5 billion dollars. Dick DeVos has put this money to good use and has always believed that money should be spent in such a way to help other individuals. Dick DeVos believes that most money should go to charitable organizations and foundations that can also put the money to good use.


As a member of this charitable family, Dick DeVos is the most passionate about giving back to the education system within the United States. Dick DeVos is very interested in reforming the system in order to make sure that all individuals who show a passion for learning as well as hard work are able to earn an education that does not have to be paid. Dick DeVos believes that in order to receive an education at a higher level, the requirements should be based upon merit and not upon the income of the family.