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Financial Advisors’ Failure To Talk About Social Security

Financial advisors are obliged to talk to their clients about social security, but they are avoiding this topic. Wall Street Journal sought an explanation to this from the president of Nationwide Financial Sales and Distribution, David Giertz.

David Geirtz’s Experience
David Giertz has over 30 years’ experience in financial advisory. He has a diverse work experience gained from working with topnotch financial firms. He worked for Financial Horizons Securities Corporations, CITICORP Investment services among others. In 1986, David took the General Industry Exam on In the following year, he took the State Securities Law Exam. In 1994, Geirtz took the Principal/Supervisory Exam.

David Geirtz has built a successful career in the finance industry on Facebook. He was made the vice president of Nationwide Insurance Company in April 2013. He has previously worked as a broker-dealer in securities. At 52 years of age, he is on top of his career, and he resides in Columbus, Ohio.

David Geirtz attributed the ignorance of the current financial advisors on matters social security to the complexity of the social security handbook. Speaking to the Wall Street Journal, Geirtz said that the 2700 rules in the handbook are a lot to comprehend.

David Geirtz analyzed the outcome of a survey that was carried out by the Nationwide Financial Retirement Institute at The survey that was done on consumers, people who are retired and those who are ten years from retirement revealed that most advisors did not address social security with clients.

“A Financial Advisor is part of the retirement income process planning.” said Geirtz.”Those who turn on social security too early could lose up to $ 300,000 over 25 years.” warned Geirtz .

Brazilian Legal News As Explained By Ricardo Tosto

With more than 940,000 accredited lawyers, including public lawyers and those who work at private law firms, individuals and companies have a number of choices when hiring an attorney, however, the quality of legal representation varies greatly. Success in the courts often depends upon using prestigious law firms with highly regarded lawyers, such as Ricardo Tosto de Oliveira Carvalho of Leite, Tosto and Barros, a respected jurist and graduate of the Universidade Presbiteriana Mackenzie.

As a founding partner and one of the most prominent lawyers in the firm, Ricardo Tosto often handles the complex corporate restructuring, banking and commercial litigation cases in addition to training and mentoring new associates. Leite, Tosto and Barros, which is based in São Paulo, specialize in business law, providing comprehensive legal services for a variety of industries. Ricardo Tosto has gained fame for representing notable public figures and large corporations in cases that attract national attention.

Approved by The Latin American Corporate Counsel Association, Ricardo Tosto de Oliveira Carvalho is a member of the Brazilian Bar Association and the International Bar Association as well. In addition, an author, Ricardo Tosto de Oliveira Carvalho co-authored The Process of Tiradentes, a transcript of the Tiradentes trial legal proceedings with annotations by contemporary lawyers explaining the law at the time. In addition, Ricardo Tosto de Oliveira Carvalho uses his social media accounts to explain recent legal news in easily understandable language. for more.

Jose Borghi – Top Most Advertising Professional in Brazil with Enormous Experience

Jose Borghi is one of the most influential advertisers in the Brazil’s advertising scene. He is the man who created few of the most famous Ads remembered till date in the country, including the ad campaign Mammals of Parmalat, focused towards wildlife conservation.  The Ad was moving and compelling and is remains as one of the best Ads ever made in the country.

Jose Borghi currently serves as the Co-Chief Operating Officer at the internationally acclaimed Mullen Lowe Brazil. Jose Borgi has been interested in the advertising world from the very early age. His interest in advertising began when he went to Cannes Film Festival along with his sister to watch the Ads that has won the Lion Awards. The advertisements he saw imbibed in him the love and fascination for the Ad films and decided that he would grow up to be a professional advertiser, which he is today. He studied marketing in Sao Paulo State’s highly reputed Pontifical Catholic University.

He worked in many other companies after that, including DM9/DDB, FCB, Talent and Leo Burnett. However, after working for few years with different companies, he started his own with other advertising professional and his close friend, Erh Ray and named the new business, BoirghiErh. Even though the company had little or no financial backing, the company gained considerable prominence in the Brazil’s marketing sphere and was subsequently bought in 2006 by Mullen Lowe.

Jose has won many prestigious awards in the sphere of advertising, including around 20 awards at Cannes, seven at London Film Festival, 16 Abril Awards, 15 awards at New York Film Festival, and more.

The Success of Highland Capital under the Leadership of James Dondero

Highland Capital Management is an alternative investment firm based in Dallas, Texas, and was founded in 1993 by James Dondero and Mark Okada. This investment firm specializes in the management of hedge funds, structured investment funds, and distressed investment.

Highland Capital Management enjoys great success levels with their control of about $18 billion in assets, and they pride themselves on being leading global alternative credit managers.

Highland Capital offers a variety of investment products that include distressed and special situations private equity, collateralized loan obligations, credit hedge funds, and long-only funds and separate accounts.

This firm is also fully involved in alternative investments in emerging markets, and they serve a client base that includes public pension plans, financial institutions, foundations, endowments, corporations, governments, and high net worth individuals.

Highland Capital believes that successful investing requires curious minds and being open to learning. This firm’s philosophy is that they can capture the numerous influences affecting the investment market only by using a team approach.

The inspiration journey of Highland Capital started in January 1990 when both James Dondero and Mark Okada came together to create a joint venture that laid its focus on fixed income markets and played many significant roles in the management of senior secured bank loans.

In 1993, this simple concept evolved and led to the establishment of Protective Asset Management Company. Sixty percent of this new establishment was owned by Protective Life Insurance Corporation while the 40 percent by both Dondero and Okada.

In 1997, these co-founders bought the stake owned by Protective Life, and this saw them incorporate Ranger Asset Management. One year down the line, they changed the name of this firm to Highland Capital Management.

Dallas Foundation reported that Highland Capital Management has been excelling under the able leadership of James Dondero.
He has displayed exceptional leadership attributes as evidenced by the performance of Highland Capital Management and other firms that have appointed him to serve on their boards of directors in various capacities.

Learn more about Highland Capital Management: