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.