Tell your clients everything they need to know about social security benefits; David Giertz

Some pensioners lose more than $12,000 in annual payouts of the social security benefits, not because they did not invest well in their retirement but because they do not understand the rules that govern the manner in which the benefits are administered. One person is speaking about the issues that pensioners normally have regarding their advantages and is claiming that a lot more needs to be done to make things easier. David Giertz, the sales, and distribution senior vice president at Nationwide Insurance Company spoke about retirement benefits to the Wall Street Journal.


He stated that one of the leading causes of the widespread ignorance regarding the topic was the fact that the rules which govern the administration of the benefits were too many and tedious to tackle. He was, however, quick to note that clients who have realized that they need to incorporate social security in their savings for retirement dropped an advisor as soon as they realized he was avoiding the topic.


Other factors that affect the amount one will be receiving include how they used to file their tax returns, inflation, and the salary that they used to earn before retirement. All these are factors which need explaining because according to the statistics that had been gathered by the company, more than 86 percent of pensioners may not know what determined the amount that they finally started receiving.


About David Giertz


David is very passionate about investment banking and especially helping the clients come up with an investment portfolio that will help them into their old age and even support their progeny. He has been in the financial industries for the past 31 years and has held various positions in different companies. He has been with Nationwide Insurance as a senior vice president for the last four years and has fueled a lot of growth and success there.



Various organizations have risen to recognize extraordinary performance of individuals in the various sectors of the economy. One of these organizations is the One Planet organizations which host annual awards to honor business performance for both individuals and groups. Over the years these awards have become highly coveted among the people and receiving one of these is a humbling experience.

In 2016, One Planet Awards recognized the efforts of Troy McQuagge; a major engineering power at the USHEALTH Group. USHEALTH Group is a Texas based insurance company. Under the leadership of this talented man, the organization has conquered the North American insurance market by its innovative, flexible and affordable insurance plans. It serves about 15 million people in self-employment and small business; most of whom may not afford native insurance plans due to the high costs associated with them. It works with a wide network of providers to ensure that their clients get discounts on the various plans.McQuagge was greatly humbled by the award of CEO of the Year where he scooped the Gold. He did not for a moment attribute this award to his personal efforts but said that the award belonged to the USHEALTH Group team as a whole. These are the people who have been greatly dedicated to ensuring that their customers understand not only their products but also the importance of healthcare as a whole. He emphasized that the company is willing to see every member of the society happy with healthcare services available and thus will not rest even after this great recognition.

You can follow him on his Twitter account:

McQuagge joined USHEALTH Group in 2010 and had the chance to work as CEO and president of USHEALTH Advisors and the Freedom Life Insurance Company which are both subsidiaries of the company. In both of these he served as the Chief Executive Officer and president. Having achieved great success in the two, the board thought they could extrapolate this success to the entire company. In 2014, they appointed him as the Chief Executive Officer and president of the group. Since his appointment the company has achieved a lot of great improvements in terms of creative and innovative services and products, customer service and even profitability.


Williamson County Growth Summit Addresses The Areas Traffic Issues

The Williamson Country Growth Summit was recently held in order to address traffic issues in the suburban areas around Austin, Texas. The panel of transportation experts included Mike Heiligenstein, the Executive Director of the Central Texas Regional Mobility Authority (CTRMA), transportation product designer Jared Ficklin of ArgoDesign, Leandre Johns who serves as the Texas External Affairs Director for Uber Technologies, Inc., and the founder of RideScout LLC, Joseph Kopser.

The focus of the summit was on how technology is changing the very nature of transportation and how it can help move people around central Texas.

Mike Heiligenstein believes that the best way to address traffic problems in the region is to build additional road capacity and to incorporate smart technologies into the transportation system. In his view technology alone will not solve the problem, and he feels that consumers will not incorporate this technology into their lives as fast as some of the tech supporters say it will.

According to Biz Journal, Mike Heiligenstein went on to say later in the summit that while Williamson county has done a great job over the last 15 years building up its transportation infrastructure there are more and more people moving to the area which stresses the system.

Ficklin made an argument that building codes are going to need to be updated in order to deal with the transportation system of the future. As an example, he said that once there are more autonomous vehicles on the road parking garages will need to built to accommodate them.

In his example, garages levels won’t need to be more than a foot taller than the car, and will need charging stations on one level with a service station on another.

Leandre Johns of Uber said that her company and her competitors can provide first and last mile solutions to the citizens of the area which will encourage them to use mass transit to get most of the way to where they need to be. Learn more about Mike Heiligenstein:

Mike Heiligenstein has led the CTRMA since it was started in 2003. His mission at the CTRMA is to improve transportation infrastructure in central Texas including Williamson and Travis counties.

CTRMA is made overseen by a Board of Directors made up of 7 members; 3 are appointed by Travis and Williamson county Commissioners while Heiligenstein’ position is appointed by the Governor of Texas.

Brazil Startups Are Turning The Economic Tide In Latin America’s Largest Economy

Brazilians are famous for functioning in spite of antiquated tax codes and labor laws on They are famous for dealing with high-interest rates and their inept bureaucracy. Investors ran away from Brazil in 2012, thanks to sinking commodity prices, a Chinese import moratorium, and fiscal mismanagement. Even though half of the population is connected to the Internet, the Brazilian economy is still in trouble. But according to investor, Flavio Maluf, and other Brazilian entrepreneurs, Brazil Startups are injecting new life into the country’s economy at

More than 4,000 new companies are up and running, or will be, over the next 18 months, and most of those companies are Internet-driven entities. Flavio Maluf, the CEO of Eucatex, one of Brazil’s largest exporters, thinks Brazil will make a major economic turnaround in 2017, and Startups will be the catalyst for that turnaround. Flavio Maluf is confident because most of the Startups are in the education, healthcare, tech, and commodities sectors of the economy, and they all have digital marketing capabilities and apps that make some sort of impact on Brazilian consumers.

Brazil is now an Internet-driven society. More than 43 million Brazilians do business online, and new online consumers pop up every day. Startups are making the old way of doing business in Brazil obsolete on Brazilian consumers use Facebook, Twitter, and YouTube as much as U.S. consumers to identify new trends and products. Brazilian Startups are introducing apps for everything from educational books to cattle counters. Flavio Maluf is looking ahead, and he sees nothing but economic change in front of him and his country.

Flavio Maluf is used to change. His building material supply company has changed over the last 65 years. Eucatex went from a one-product company to a corporation that has four factories in Sao Paulo and a diversified product line. Eucatex brands sell in home improvement stores, and they are also used by contractors and construction companies around the world. The company was named after eucalyptus trees, so Maluf established a leasing program that allows people to participate in growing eucalyptus trees. Maluf is an environmentalist and entrepreneur. He cares about clean air and his country’s economic growth.

Direct Sales From The Vineyard

Traveling Vineyard has developed a unique business concept offering entrepreneurs the ability to sell there wine products directly to consumers in a home party atmosphere. The concept gives associates the ability to meet new people while sharing the opportunity and a glass of wine.

This business is perfect for people that love talking to and helping other people. The business can be ran from home on a full-time or part-time bases. You can keep your day job and work the business part-time or you can go full force and run your business full-time.

Traveling Vineyard was started in 2001. The concept of distributing wine in a direct sales format is truly a unique business strategy. Before now the sales consultant industry was specific to candle, jewelry, and cosmetic products. The Traveling Vineyard opportunity offers something fresh and new for consultants that want to try something different.

They offer a wide selection of high quality wines, which they distribute all over there country through sales consultants. Never before has wine tasting parties crossed paths with direct home selling parties to create a totally new flavor of business opportunity. They also offer wine accessories for sale along with the wine. They have a extensive catalog of products to choose from. If you are interested in becoming a sales consultant for Traveling Vineyard simply contact a local sales consultant. You can also sign up on the companies website. When you sign up you will receive your starter kit, so you can immediately go out and start making money!

Watch YouTube for more information about Traveing Vineyard.

EOS Makes Lip Balm Popular

EOS is the company that is taking things to the next level when it comes to innovative ways to advertise lip balm. Some people have seen this lip balm advertised as the company that gives people smooth lips. Others are going to see this company as the organization with lip balm that is flavorful. Still, there are others that may see this as a decorative product that can be used for things like baby showers and wedding favors. All of these different aspects of the advertising have caused people to look at this product differently.

Many people are taking a look at the competition, and they are thrilled about the choices that they have. It is evident that the Evolution of Smooth is doing something new and innovation by giving people access to more lip balm. That may be the most interesting thing about this company. It simply offers more lip balm. The sphere shaped container is one of the best available on eBay and Amazon for people that do not want to continually spend money on lip balm. It can be a tedious process to buy lip balm over and over again. EOS has made the type of product that is long lasting. The size of the container makes this a possibility.

More people are going to want to get this EOS Lip Balm because it offers variety, The long lasting lip balm comes in a variety of flavors. Some people acquire the variety packs. There are a ton of people that are going to appreciate what EOS is doing. It is the company that is rising out of the monotony of lip balm. In fact, some might even say that it was EOS that made lip balm popular. Before this company came along there was no real buzz about lip balm products.

For more information, visit the Evolution of website and EOS Facebook page.

Securus Technologies For The People

Securus Technologies is a company that deals with the public’s safety. They are always creating more ways to do this, in fact, every week they develop something new that will help with correction facilities and other people too. The people send them notes about what they feel about the company’s endeavors. The company decided to publish these so that others could read them.


Another way that the company is showing people that they know they want to know more about what they do is inviting them to a presentation at their headquarters. This headquarters is in Dallas, TX. The company wants them to see what they are currently working on, and how it helps in the corrections field and for the safety of the public. People will find the presentation to be both informational and interesting. This invitation is going out to all of Securus Technologies customers, clients and investors, as well as their competitor’s that deal with safety issues also.


When Securus Technologies name is mentioned, people know that they are the leader in the public safety field. The company is known all over the world for their excellent work, and they are in demand all across the country. The government uses them on a regular basis for help in their facilities. Future endeavors for the company include creating even better ways to make the world a safer place for everyone to live.


Texas Residents Enjoying Excellent Investment Services From Wealth Solutions

In Austin, Texas, residents are enjoying sound investment, retirement and wealth preservation services from Richard Blair’s firm, Wealth Solutions. The company is committed to seeing its clients grow, manage and protect their assets. According to Bright Scope, Richard Blair Wealth Solutions has been a resourceful advisor and partner to the company’s clients. Blair is highly qualified and experienced with several certifications including CAS, CES, CFS, CIS, RICP and CTS.

According to Blair, everybody deserves a robust plan that can allow them to pursue their financial goals. He is, therefore, devoted to better the lives of the Austin community by providing them with wealth management, investment, and retirement plans.

The Three Pillars

The firm has established a three pillar approach. The approach allows the organization to discover the financial and retirement needs of the client as well as coming up with a holistic, customized plan.

Pillar 1 is designed to help in laying financial plans. This program seeks to identify the strengths, risk tolerance, goals and growth opportunities. Understanding these aspects helps the firm develop a customized financial roadmap.

Pillar 2 is designed to develop long-term strategies to meet the needs of the customer. In adherence to this pillar, the firm relocates and manages assets to ensure maximum performance and a reduced negative impact during adverse market times.

Pillar 3 is designed to establish strategies to meet the needs of the client. The firm meets the insurance requirements of the clients including long-term care and life insurances.

Richard Blair in Brief

Richard Blair is a chief investment officer and an independent financial officer. Blair is the founder of Wealth Solutions. With more than 20 years of experience in the financial services sector, he has helped his company to reach to become a leading service provider.

Blair founded the firm with a goal of providing objective advice and customized strategies regarding retirement, wealth preservation, and investment. Blair is an alumnus of the University of Houston, and he is devoted to seeing his clients achieving their financial goals.

An Overview of Wealth Solutions

Wealth Solutions is a registered investment advisory firm located in Austin, Texas. Blair founded the company with the goal of making a considerable impact and a positive difference in the lives of families, small business owners, and individuals.

The firm offers competent services in wealth management, investment services, and financial planning to their clients in Texas. The firm has a proven track record of helping its customers to develop a life-changing retirement plan.

Dr. Walden: The Doctor is In!

Dr. Walden is a practiced plastic surgeon who has been recognized for her reputable work by the Austin Leukemia and Lymphoma Society and was nominated for Austin’s Woman of the Year. The campaign also raised funds and because of the amount she raised, has received a research grant in her name for research in blood cancers.


Aesthetic Plastic Surgery Award for Best Scientific Exhibit from the American Society, as well as the Janet M. Glasgow Memorial Award. In addition, she has been awarded The Mavis P. Kelsey Excellence in Medicine Award in 1998.


Dr. Jennifer Walden has co-authored the award-winning Aesthetic Plastic Surgery textbook and has been featured in many magazines, including Vogue, Teen Vogue, Shape, Self, Cosmopolitan, and Absolute Magazine. She has also appeared in Health, Bridal Guide, Dallas/Fort Worth’s indulge, and The New York Sun. She has been featured in local media as well, including Austin Woman, Community Impact-Westlake, and VIVE Magazine. She has been on the cover of Italian Vogue, Austin MD, VIVE, and TexaxMD.


Dr. Walden is recognized as one of the Texas Super Doctors, as indicated in Texas Monthly and holds membership to the American association of Plastic Surgeons society. Dr. Walden was recently chosen by Harper’s Bazaar as one of the nation’s 24 Best Surgeons in the US, as seen in the April 2014 issue of the magazine.


She has her own segment on KVUE-TV called “Looking Good and Living Well With Dr. Jennifer Walden”. She is also a frequent guest on Fox News and has even been featured on E! TV’s Dr. 90210, VH1’s Plastic Surgery Obsession, and Celebrity Plastic Surgery Stories. She has even been featured on NBC’s The Today Show, CBS’ The Early Show, and ABC’s 20/20. Dr. Walden continues to change the lives of people for the better and continues to give back to her community.

Luciana Lossio is the new TSE Minister

On May 26, 2016, Luciana Lossio was made the minister-in-chief of the Superior Electoral Court of Brazil. The decision was made after her predecessor Arnaldo Versiani retired. In an elegant ceremony, she took the oath of her new position. Due to her outstanding career, she was considered the right person for this job. She made numerous achievements in her career. In 2011, she had the honor to become the first Brazilian woman to have three key positions which are for only lawyers. It happened when she was made substitute TSE minister. When it comes to electoral law, she is considered an authority. Luciana is a member of Brazilian Institute of Electoral Law, more commonly known as IBRADE.



As a lawyer, Luciana Lossio’s career has been outstanding. Many influential people including state governor were her clients. She is well-known for her outstanding oral skills which she uses very well for defending her clients. Due to her positive characteristics and balanced personality, she can take any position given to her. In addition to this, she always respects human beings and the limits of the constitution. Lucian Lossio has an excellent educational background. She went to University Center of Brasilia called UniCeub. As a student, she was very devoted and hard working. In 1999, she graduated and became a member of OAB (Brazilian Bar Association).



After her enrollment in the federal district, Luciana Lossio became well-known for her hard work and acquiring knowledge. Later, she acquired three post-graduate degrees. Those degrees were in Civil Procedural Law, State and Constitution, and Prosecutor Office. Because of her extraordinary knowledge and unique experience, she performed far better than other professionals. For seven years, she worked in the office of Brazil’s Attorney General. She was lucky to work with three Brazilian attorney general including Claudio Fonteles and Geraldo Brindeiro. Her major job was to advise attorney generals about TSE and Federal Court cases.



During her entire career, Luciana Lossio never crossed the boundaries of the law. She always worked for the rule of Law. According to her colleagues, she can see ahead of time as she is a visionary. No matter how complex is a case, she can deal with it. TSE of Brazil must have seven judges according to the Brazilian Constitution. Out of seven vacancies, two are reserved for the lawyers. The names are shortlisted and sent to the supreme court for approval. The abilities Luciana Lossio showed throughout her professional career lead to her selection.