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WSJ Wealth Adviser’s Columnist Interviews David Giertz

David Giertz, President of Nationwide Financial Distributors Inc. has nearly 29 years of expertise as a licensed broker and financial advisor. His career in the investment and banking industry began in 1988 while working for Skokie Federal Savings, Mony Securities Corporation, and The Mutual Life Insurance Company of New York. He also worked for Financial Horizons Securities, Citicorp Investment Services, FI/WH, and Nationwide Life Insurance Company. Throughout his career, he has helped thousands of consumers with financial planning for future retirement, investing, and other services.

In 2014, Mr. Giertz focused his attention on the importance of financial advisers to discuss social security with their clients; and shares his viewpoint in an WSJ Wealth Adviser interview with Columnist Veronica Dagher. During the interview, David Giertz discussed the necessity of financial planners to talk to their clients about social security. In a study conducted by Nationwide Financial Retirement Institute, 900 consumers the age of 50 or older were surveyed and stated they were not told about social security by their advisor. Mr. Giertz said that from the prospective of an advisor, it’s very significant from a retention prospective after the survey revealed that four out of five consumers said they would change advisors if their financial advisor didn’t discuss social security.

The reasoning behind David Giertz assessment about social security counselling is the complexity of its handbook, which has 2700 rules. He says it’s a lot to comprehend and part of it is understanding and confidence around those rules. Advisors need to take interest into the situation, he said, because they are part of the retirement planning process. Giertz also emphasized on the survey finding that retirees who withdrew social security too soon could possibly loss up to $300,000 over a 25-year timeframe. He ended the interview by saying social security must be discussed with clients to optimize their retirement income.

Who Benefits From The Lending Services Offered By Equities First Holdings Company And How?

Equities First Holdings is an international company that offers a variety of lending solutions for individuals as well as businesses. The company has a high net worth but who benefits from their operations and how?

Usually, borrowers who require urgent capital or individuals with a high net worth are the ideal candidates for the company. Other borrowers who do not qualify for the credit based loans also rely on the services they offer or benefit from working with Equities First Holdings. This is entirely possible because the company offers a wide variety of lending services such as equities lending. Many have the option of borrowing from commercial banks and other investment facilities, but the rules and procedures involved in securing a loan is a great challenge. Equities First Holdings come in here to help those who are challenged getting capital from elsewhere.

Businesses along with individuals can also benefit from Equities First by applying for a stock loan. In this case, Equities First will use equities as collateral for a given period, usually within three years. If an individual owns some stock in a company and is optimistic of their appreciation in few years, Equities First will accept them as collateral as well. One only needs to transfer the shares to the lending company and then receive their loan proceeds. This is why one needs to consider working with Equities First Holdings as long as one owns some shares somewhere.

Business expansion is a dream of every business owner and sometimes lack of capital can be a big challenge. Working with Equities First could be the long due solution for the expansion, payment of a high debt as well as fulfilling a personal need. Actually, for any capital flexibility, one can rely on Equities First Holdings because they aim at resolving any financial struggle. You only need to contact them and start enjoying the benefits that come from working with Equities First Holdings.

About Equities First Holdings

Equities First Holdings, LLC (EFH) has been offering their clients alternative financing solutions since 2002. They give capital to individuals and businesses as they receive publicly traded stocks from them with the aim of assisting them to meet their goals. So far they have managed to conclude over 650 transactions valued over $1.4 billion in giving their customers loans at a low fixed interest rate. The company has offices in different countries including London, Hong Kong, Singapore and Australia.

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