David Giertz Reveals That Many Advisors Aren’t Discussing Social Security

David Giertz of Nationwide Financial, shared in an interview with Veronica Dagher, a columnist and wealth adviser for Wall Street Journal, that today’s financial services advisors are not thoroughly discussing social security with their clients and some aren’t at all. Mr. Giertz said that a survey of consumers revealed that 4 out of 5 client’s advisors were not discussing social security. The problem could be that the social security handbook itself has over 300 rules and that could deter many advisors from going though it or feel confident enough to adequately discuss it with their clients. David Giertz feels that advisors should in fact take an interest because they’re part of the client’s retirement planning process and social security could be included up to forty percent of that plan. If a client switches on social security too soon, they could lose up to $300,000 over twenty-five years which is equivalent to losing a $1,000 each month. He stresses that it’s important for the client to optimize their retirement income and social security plays a large role in doing that.

David Giertz is an expert financial services advisor and has well over thirty-two years of experience. He is a registered broker with the Financial Industry Regulatory Authority, Inc., in the U.S. and currently serves as the President of Nationwide Financial’s Sales and Distribution Organization. David Giertz has passed four exams throughout the years including the General Industry & Products Exam and the State Securities Law Exam.

Prior to his leadership at Nationwide Financial, David Giertz served as a financial services advisor for Citicorp Investment Services from the years of 1991 to 1999. He also used to work at Financial Horizons Security Corporation from 1983 to 1993. Mr. Giertz is a Certified Business Coach through the World Association of Business Coaches and received a world class Gallup score. David Giertz attended the University of Miami and obtained his M.B.A. degree and he also received an undergraduate degree from Millikin University in Decatur, Illinois.

Felipe Montoro Jens Explains Rio de Janeiro’s Plans to Expand Early Education Units

Under the management of Mayor Marcello Crivella, the city of Rio de Janeiro aims at creating 20, 000 new day care centers and 40, 000 pre-schools. The city will engage in Public-Private Partnership (PPP) where the private partner will construct and maintain structures and offer other non-teaching services to achieve the targets. Felipe Montoro Jens, an infrastructure expert, notes that the PPP is on the feasibility studies stage.

The collaboration will take the model of the initial PPP done in Brazilian schools, which was done, in the mining capital of Belo Horizonte in 2012. According to Filipe, the partnership does not come as a surprise for those who have been keen on Crivella’s government projects. During his campaigns, he outlined his commitment to the education sector.

The government of the city of Rio notes that building the kindergartens and pre-schools by 2020 is structured to the Belo Horizonte model. It will see the private partner accountable for construction and maintenance of the Infant Education Units (EDIs) while the City Hall will be responsible for the academic sector and school lunches. The Ministry of Education prohibits the transfer of funds from the lunch kitty.

Felipe Montoro Jens also adds that the International Finance Corporation, a member of the World Bank Group, was contracted by the city to provide consulting services for the project for $2.3 million. It is also responsible for consulting services in the analysis of the feasibility of the Public Lighting PPP in Rio de Janeiro.

Public-Private Partnerships

Partnerships with the private sector are an excellent opportunity for the government to bridge the gap in the provision of public services in cases of scarce resources. The modality of federal contracting was established in 2004. It sets the general rules for the bidding and recruiting processes of PPPs.

Felipe Montoro Jens, while explaining the concept, noted that the basis of the agreement is on an administrative concession contract, which is signed between public entities and private companies to develop, construct and operate public infrastructure or offer services. The public administration, in this case, could be the federal district and municipalities, the states or the union.

BFM Award Winning Franchisee Omar Yunes

Omar is a successful Mexican Investor who represents Sushi Itto, he is a renowned franchisee and has continually won awards in many competitions such as “Best Franchisee of the Word”. Omar is also interested in food business and has managed to run an excess of 13 franchise in Puebla, Veracruz and Mexico City. With commitment, Omar has aggressively marketed and gained immense control in the food industry. Through his brand, Omar has generated more than 400 competitive jobs for his 13 units.

Omar is a noble leader who understands the need of orienting his team to the primary goals of his company. As a result, his business has generated a large business network, strategic implementations and organized an effective company board. Omar Yunes won the first place as the Best Franchisee of the world, a competition that took place in Italy. At the age 21, Omar became a franchisee of Japanese food chain and now represents 10% of his franchisee units.

2015 BFM edition was widely attended by various international state representatives who came from 34 countries. In attendance was Hungary, Brazil, Italy, Mexico, Argentina, Portugal and France. This global competition offered a chance for various franchisee to compete against each other and the overall network as opposed to the brand. The full extent of influence on the network and overall contributions to the knowledge, employee satisfaction, and savings were also prioritized.

Besides winning the first place in this Mexican BFM, Omar was also awarded heavily for his personal contributions to the relationship between franchising and franchise. He was equally awarded for his impressive management skills in implementing control boards and ability to manage information with precision.

According to Benjamin Cancelmo, a chief executive officer at Sushi Itto, Omar’s award represented a joint effort in customer service improvement. He also noted that the award will exceedingly introduce a remarkable flavor in customer service coupled with high levels of hospitality. Tamer, the second winner congratulated Omar for his commitment to set fundamental standards in the network franchisee. The award further demonstrated internationalization of Mexican franchisee. The latter led to the composure of Mexican Association of franchisees and entrepreneurs.

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