Don’t Miss This Crucial Retirement Advice

Has your financial advisor talked to you about social security retirement benefits? According to David Giertz, former president of a top insurance provider says that a growing majority of advisors and their clients are exposing themselves to possible losses.


A recent survey of retired consumers, or those 10 years from retiring revealed that four out of five respondents would instantly switch advisors if they didn’t discuss social security as part of their retirement plan. However, many financial advisors find the whopping 2,700 rules contained in the social security program’s handbook to be a significant barrier to learning and incorporating it into their workflow.


In the long run, these 2,700 rules dictate upwards of 40% of the average consumer’s retirement income. The survey also found that many consumers start drawing from their retirement benefits too early and lost, in some cases, as much as $300,000 throughout their retirement in lost benefits alone. Armed with these new facts, it is imperative that advisors take the time to acquaint themselves with the in’s and out’s of the social security program’s rules in order to maximize gains and avoid unnecessary losses and penalties. Withdrawing at 62 instead of 65 or 67 is the one of the primary causes of these unnecessary losses.


David Giertz boasts a 30 year track record in financial services and offers a unique point of view when giving investment advice. He’s spent most of his career thinking outside the box to come up with new strategies to boost profits.


David found his start at Citigroup, working his way up from a financial advisor, to area director, then executive vice president of sales. Now, While president of sales and distribution at Nationwide Financial, Giertz grew profits from $11 billion to $17.8, smashing all expectations.










Concessions, Concessions, Concessions

Brazilian infrastructural expert and basic sanitation serviceman – Felipe Montoro Jensen – mentions the importance of recent concessions generated throughout the country’s BNDES as subject to debate. Such initiative has been well-received by the country’s water sector and thus awaits further review. A recent interview took place last May, in which Jens interviewed Edison Carlos, who currently serves as a founding president of Tata Brazil, a top company focused on Brazilian sanitation needs. In the recent interview, both gentlemen made important points regarding a new initiative and offered several perspectives – both positive and negative – for the future implications of the country’s sanitation solutions presented. Both members noted important necessities as well as recent water waste level decreases that have steadily declined.


90 percent of Brazil’s basic sanitation involves public power while another 70 percent deals with service organizational initiatives. Thus, Edison claims that more may be done as private initiatives are just as important as public initiatives and that these two management forms must only work together – and not in contradictory fashion as they have been.


Adapting the bank to its projects for needs in each place is important: Losing water is a main cause of losing financial flow and resources within the Brazilian financial sector as many are not even aware of. Since it’s not possible to receive such services when there’s so much waste involved, the country must first handle the immediate problem.


Felipe Montoro Jens is a valued infrastructure expert. He has studied his field for nearly three decades. He has also made several recent news headlines.


In addition, he’s one of the top leaders in infrastructure and sanitation in his area. He genuinely cares about concessions done properly. He has studied management and has been a top executive concessions leader for many years.

Better Deals with the Government under the Leadership of Felipe Montoro Jens

The government promised to grant concessions following collaboration with the National Bank for Economic and Social Development. Edison Carlos, who is the president of the Trata Brasil, gave the assurance that the services provided will significantly improve through this partnership. He promises improvement in management, structure, and resources. The acknowledgment was made before the interviewee, Felipe Montoro Jens, who is a specialist in infrastructural developments.


The challenges and solutions in the water sector

Public power provides 90% of sanitation services in Brazil, of this 70 % are served by government’s organizations. The development has prompted the inclusion of the private sector to boost service delivery. The two can work perfectly well and in a complimentary way.


It is indeed an avenue for the private service providers to learn from the government organizations. The partnership will mainly revolve around the areas of contracts and the inspection, which will be undertaken by public agencies. Private companies have the advantage of utilizing the best technologies and resources in the prevention of water loss and unnecessary waste. They will also be involved in the improvement of sewage networks, a clear evidence of the significant role to be played by the private sector. Felipe Montoro argues that it is indeed not possible to deliver such water and sewerage services when there is high wastage of water.


Service records of Felipe Montoro

Felipe Montoro serves in different capacities in many organizations. He is the executive officer at the Energia AC S.A and executive officer at Concessionaria Tramo SA. Additionally, Felipe is also a principal at the Maranon Energia SA, a director at Peru Inversiones, and the chairman at Arboreoland Empreendimentos.


He has had quite a long history of service in both private and public organizations. He also served as a board member of the Braskem SA. Felipe Montoro received his university education at the Getulio Vargas where he acquired an undergraduate degree. He further proceeded to further his education and received a graduate degree from the Thunderbird School of Global Management.