Category Archives: advisor

David Giertz Shares Advice On The Importance Of Social Security Benefits

Addressing the need for financial advisors to tackle the issue of social security with clients, David Giertz, president of Nationwide Financial’s Sales & Distribution, called attention to the impact not discussing the option with clients would bring about.


In an interview with the French Tribune, Giertz emphasized when financial advisors do not take social security retirement benefits into account during their conversation, it may result in a negative impact to both the clients and the advisors.


Giertz highlighted a recent study by Nationwide Financial Retirement Institute that determined four in five financial advisor clients would change advisors if the advisor did not include social security income in their retirement.


He went on to make it known how vital it is for advisors to discuss social security benefits with their clients as the benefits may compromise up to 40 percent of the clients income during retirement.


What’s more Giertz explained people may lose an amount equal to $300,000 in lost benefits over their retirement years should they start obtaining their retirement benefits too early.


According to Giertz while the handbook for the program contains 2,700 rules and guidelines in the social security area and many advisors find the amount overpowering, they should learn as much as possible about social security and assimilate the program into their discussions.


With more than three decades as a broker and financial advisor, Giertz began his career at Citigroup spending more than ten years starting as a financial services advisor and ending as executive vice president of sales.


He earned an MBA from the University of Miami and a BS from Millikin University.


Giertz has been involved with community organizations such as the Board of Trustees at Millikin University as well as the Board of Directors for the Girl Scouts. His interests include photography and keeping up with the industry.


The Thoughts And Opinions Of The Expert Brazilian Investor Igor Cornelsen

Igor Cornelsen is an exemplary Brazilian banker and an expert in investments. He believes the way Brazilian banks have come through great upheavals is because they understand the market and have experience dealing with turbulent years. He says Brazilian banks only lend to individuals with the best credit. This gives the banks security and streamlines the costs. The individuals with undesirable credit have to go to the public sector banks or dispense with their business plans.


Igor Cornelsen feels most investors are not current concerning Brazilian banking because they do not understand the basics. This caused him to create a short and easy to follow profile to help investors understand Brazilian stocks. Mr. Cornelsen first explains there are ten major players in Brazilian banking. These are the ten state and privately owned investment and commercial banks who back Brazilian investments.


Mr. Cornelsen believes the new economic matrix of Guido Mantega was a total failure because instead of being based on rational economics it was based on ideology. He feels Joaquim Levy being appointed as Brazil’s finance minister is bringing hope to the banks. Mr. Cornelsen is in agreement with his views concerning fiscal reform but is not certain if he will bring about true economic reform.


Mr. Cornelsen has also stated that as the Chinese economy strengthens it will mean Brazilian raw materials will bring good prices. Even though China is Brazil’s fiercest competitor of industrialized goods, he feels watching the markets will help you understand your investments better and lead to greater profits and success.


Exports lost competitiveness due to Brazil’s overinflated currency causing a lot of current deficits. Dollar swaps have been sold by the Central Bank of Brazil to avoid depreciation. This means the currency is still overinflated. The new administration is expected to be less interventionist due to the effect the devaluation will have if it is not controlled. Igor Cornelsen believes this will be the catalyst that sparks investments within the industry and makes exporting goods out of Brazil much more competitive. This he says is what it will take to decrease the current accounts disequilibrium.




Flavio Maluf of Eucatex Uses Eucalyptus to Manufacture Building Materials

Human resource management entails dealing with different from diverse backgrounds and cultures. For most business professionals, this is a key responsibility that should be carefully implemented for success. While dealing with people in business may seem profitable, it is a challenging task because different people harbor strange personalized characters. For a successful business, however, this is part and parcel of every successful day. As a leader in an organization, Flavio Maluf has executed excellent people skills to the growth of his family business, Eucatex. From handling family egos to emotions and diplomacy, Maluf has been on the forefront of streamlining the business to one of the leading suppliers in Brazil.




Through focusing on the day to day activities of Eucatex, Maluf drives the business to executive levels of production. The company that uses eucalyptus in production is eco-friendly in manufacturing building materials from tiles to ceilings and cardboards. In delicate situations that call for meetings and advice, Maluf has always chaired board meetings to spearhead the company’s mission of producing excellent services and products for the people of Brazil. His strong academic background honed his leadership skills. Following a keen observation in most companies in the current generation, the use of technology in business is vastly growing. As a leader in Eucatex, Maluf has initiated the same use of technology in production. In return, Eucatex has always maintained a consistent supplying behavior to most of its clients.




Maluf is a head cheerleader in business. Through vast entrepreneurial skills, he has dealt with different people from various backgrounds. He understands the nature of employees and that is why he has managed to maintain a healthy working environment in the multi-billion groups of companies. From his articles on blogs, Maluf encourages entrepreneurs to embrace the use of technology in business. According to him, technology will lead entrepreneurs to a new advanced era of production. Maluf speaks from his experience at Eucatex, a company that has progressively developed due to the use of advanced technology over the years. Maluf also encourages entrepreneurs to focus production on the demands of youth. He advises that the youth make most of the population in the world. It, therefore, means that the youth define the market target and niche.



A Profile of the Eucatex Group of Companies

Eucatex Group is a company that develops furniture products using eucalyptus wood in Brazil. The company has been in business for over six decades of professional experience. Its experience also works to determine the level of management accessibility experienced in the company through access to the business platform. Eucatex Group is also considered as one of the most innovative companies developing their products from eucalyptus. For all the goods made in the company, they always use the highest level of technology advancement to deliver quality in production. Because the company uses eucalyptus wood to develop their products, it is branded as one of the companies that take good care of the environment. Whenever the company cuts one tree, they always plant two trees in the country. This is a formula developed by the government to conserve the environment.


When the company was founded in 1951, there were few laws regarding the use of trees to develop the most sophisticated business entities. In this case, no one knows how to develop fast income in a manner that is not paralleled in the industry. For the company to please their clients all over the world, quality and success in production are paramount. While the clients never care about the environment, Eucatex Group goes further to protect the future heritage of the country through environmental protection practices that are unmatched in the industry. Eucatex Group is also considered as the largest producer of the insulation and liners made from eucalyptus trees. In the current management system, Eucatex Group is concerned with the development of leadership positions that work to determine the future of the industry through accessibilities that develop fast income and solutions in a manner that is not accessed in the industry.


Eucatex Group is run in two business segments.because they have worked hard to develop their products using the highest level of innovation and technology, the production team has subdivided the production line in two.


  • The Construction Industry: Eucatex Group produces laminate floors, modular partitions, and paints.
  • The Furniture Industry: Eucatex Group produces MDP and Tamburato using wood fiber plates. They manufacture their products using eucalyptus wood and advanced technology.

Igor Cornelsen the Brazilian Investor Who Gives Insightful Tips About the Brazilian Market

Brazilian financial investor Igor Cornelsen has been hauled praises when it comes to providing accurate and insightful tips on how to invest in the Brazilian economy. Given his rich industry experience and the different positions he has held at the government, business and financial level, Igor Cornelsen great reputation precedes his name.


As a matter of fact, Brazil’s economy is one of the best growing economy to invest in. in addition to it having a fast growth rate, brazil is a company that has a lot of potential thanks to the many natural resources it enjoys. Despite having all this, for your investment to thrive you need to have good financial insights. The following g are some of the financial tips shared by Igor.


First, diversify on your investments. The act of spreading your eggs in different baskets seems to be one of the most ideal investment advice. This too applies when it comes to the Brazilian economy. Most companies in Brazil are at their initial stages. It takes a professional with skills such as those of Igor Cornelsen to tell this. Therefore, by investing in Igor you will be able to know the different businesses to invest in thus potentially positioning yourself for greater returns in the long term.


Secondly understanding the economy. This tip is particularly relevant when it comes to outside investors. Before investing in any economy, it is always important to learn and understand how systems, both political and financial work. Instead of learning the hard way, through experience, Cornelsen will of valuable help to any new investor. Clearly, with past investment background, he understands how things work around the Brazilian investment market.


Investing in long term projects. Common knowledge has it that long-term investment ventures are less risky compared to short term. Igor advises investors first to test the waters by investing long term before going short term on the Brazil market.


Despite having valuable advises on investment, Igor has long retired from the industry. Currently most of his time he spend unwinding with friends on the golf court, however, he never misses one or two tips which he shares with his friends via Facebook. What about you connect with him via the Social Media to enjoy some of these tips.


Igor Cornelsen Offers Basic Investment Rules

Igor Cornelsen is among Brazil’s most trusted and respected investment advisors. He has long been able to show people how to make money investing in Brazil’s often volatile yet always lucrative stock market. The key to his success is the rules he uses when making investments. They are not arcane rules which employ complex mathematical formulas. Most of them are simple, common-sense rules any investor can use to improve their chances of being able to make money in this resource-rich South American nation. For decades Cornelsen used these rules to help make people investing in Brazil fabulously wealthy.


Invest For The Long-Term


This is an important tenet in Igor Cornelsen’s investment strategy. The Brazilian markets are volatile. They often fluctuate wildly. Do not react to every slight change in the market. Rely on your research and guidance and do not focus on short-term gains. By remaining patient and sticking to your investment strategy you can reap generational wealth in Brazil.


Get Reliable Investment Advice


Investing in Brazil can be challenging. Even veteran investors find it difficult to predict what the markets and the economy are going to do from day to day. It takes an investment advisor with deep insight and a track record for success to help guide investors. It’s essential to find someone with a deep and thorough understanding of the Brazilian markets and economy to guide your investment efforts.


Drop Losing Investments


The goal of investing is to make money. If an investment is consistently losing money you must get rid of it as soon as possible. A losing stock can drain all the profit from an investor’s portfolio. Taking quick action when you identify a losing stock is important to keeping the profits in your investment portfolio growing.


Diversify Your Investment Portfolio


According to Igor Cornelsen, one of the most important actions for improving your chances of making money while investing is to diversify your investment portfolio. It’s recommended you have a mix of low risk, low reward stocks and high risk, high reward stocks. This bodes well for the long-term growth of your portfolio’s value.

Crusading for Clean Water, Felipe Montoro Jens

The GLA met for a fantastic thinktank leadership conference. The establishment was set to talk on the theme of government concessions for improvements to state infrastructure. The Leadership gathering was overflowing with speakers, financial specialists, and fund recipients. Everyone met individuals with similar interests in the public good. Felipe Montoro Jens was very inspired with how the summit was taken care of. He went there to discover great data on the most proficient methods to deal with the commitments made by governments.

As indicated by him, the concessions should be viewed by professional evaluators and government offices. The assets in question should be carefully dispensed to make the most effective use possible. Too often have we heard stories of assets not discovering their way into the circle of activities they were proposed for. Felipe Montoro Jens is a very responsible person in society and wants to prevent this. His history of managing energy, water, and waste infrastructure projects inside Brazil prove his goals to provide individuals with great water to drink.

Some of his achievements include:

o He handled the maintenance of the Santo Antônio hydroelectric plant and earned the contract to construct a system to generate hydroelectricity for the city of São Paulo, Brazil.

  • Director of Concesionaria Trasvase Olmos S.A.

o Trasvase of the Olmos project. He managed the issuance of funds and oversaw the success of water irrigation systems in Brazil.

The most well-known reason for organizations giving resources to state projects is the absence of clean water. The Brazilian government is planning to assist companies who place their resources into the public sphere. This bodes well considering that individuals require water in the event of any natural disaster, sickness, or just plain survival.


Igor Cornelsen Prepares The Way For Investors To Thrive

Investing in stocks is something that people need to research thorough. It is going to be pertinent to have investments that are researched on a continuous basis. This is what Igor Cornelsen means when he tells investors to take the time to do the research. Advisors are needed for investments, but broker can only do so much. Investors need to have a direction that they’re going in in order for a broker to give options on what the portfolio should contain. There are so many things that brokers can offer, but the investor has to have the knowledge about what they want in order for their portfolio to grow. They have to be the ones that ultimately decide if they’re going to risk everything and go for the higher rates of returns or have some peace at night by managing a portfolio that has a balance of moderate and aggressive stocks.


A balanced portfolio can only be maintained when people really take the time to look at what they’re investing their money on. There has to be a certain amount of research that is done in order to know what investments are too risky for the portfolio that you are trying to build. Sometimes it is going to be easier to take the risk, but there has to be some level of moderate to aggressive growth in order to maintain a balance. People cannot start out with aggressive options and keep everything this way. What Igor Cornelsen recommends that investors to do is spread out their portfolio among different things and even consider the possibility of what international investments bring forth. This can be an exciting thing for investors that are researching investment options outside of their native land. In Brazil, for example, there are all types of investment opportunities in real estate and index funds. There are lots of opportunities for investors to acquire great returns on investment, but they have to be very mindful of the culture. They have to know what is going on in Brazil before they can put any time into investing in this economy.



The Achievements of Flavio Maluf

Achieving a balance between career and family life is one of the hardest things. But career people like Flavio Maluf are able to juggle between this. In fact, he does it like he was born for it. He is able to strike a balance between family, his career and community. And, the fact that he is the president of one of the largest companies in Brazil doesn’t seem to deter him.



Following his election as the president of Eucatex, he has seen the company expand its operations to over 37 countries. He also oversaw the opening of the first industrial plants in Botatu City and Salto, as from the year 2010. Under the leadership of this respectable businessman, this company has grown to achieve an annual profit margin of R$10 million. And, by the year 2014, the company’s market share had grown by approximately 30%.



Even with such commendable achievements, he still manages to have time for his family. He has one wife, Jaque Torres, and his three kids who seems to be following his footsteps. Additionally, he spares some of his money to better the health condition in Brazil. He has been recorded to donate to maternities and hospitals in the country. He also makes charitable donations to non-profit companies that plant trees in Brazil.



Flavio Maluf’s Journey in Eucatex



Flavio Maluf joined Eucatex in the year1987. That year he was recalled from New York to come and serve the family business. He left his career in New York- He was at the time working for Grand Food, following the completion of his postgraduate studies from the New York University.



He joined the company working in various position in the trade segment of the company. Flavio was in charge of local trade before being promoted to oversee foreign trade. He stayed there for 9 years before being transferred to the industrial division. That same year his uncle invited him to serve at the executive board. And, a year later, through an anonymous vote, he was voted president of the company.


Igor Cornelsen Offers Investment Tips to Prospective Investors

Investment is the backbone of every economy. Investment controls money circulation in a state, country and the world. Although it sounds fun and exciting, the docket comes with a lot of challenges to many people. Be it a beginner or a mogul in investment, an individual requires insight from well to do investors who have extensive experience in the field. One such person who can be termed as an investment mogul is Igor Cornelsen. The retired banker made a name for himself in Brazil through offering investment tips to the young and the older generation.



Investment Tips



To Igor there is never a time too early to save money and other resources. Every day is a saving day. He currently works at Bainbridge Group. He is a consultant in the market of stock and foreign exchange. Igor has an extensive experience in banking, consultation, and investment because initially, he worked in high profile institutions and he was in charge of executive positions. He is therefore in a good place to offer investment advice given his expertise. According to Igor, an investor should never lose money.



Diversified Portfolio



Investment is a risky venture, and an individual must be careful with what the docket holds before spending money on it. Igor advises investors to weigh the available options before investing. If the ventures are risky and indicate tale tales of money loss, an individual should withdraw immediately. Another tip Igor Cornelsen gives to prospective investors is having a diversified portfolio. With a diversified portfolio, an individual is sure of spreading the risks to various investment channels. With market commodities being risky ventures, it is vital for investors to put money in more than one docket. This gives an individual the chance to reap benefits in different slots of investment. As a result, even if one market is lost, another market still exists.



Igor’s Profile



Igor Cornelsen is a great investment banker. He comes from Brazil and commits to offering successful investment tips to senior and junior investors. Currently, he works at Bainbridge Group. His services extend to high profile investors. He can be trusted to predict the future of market commodities regarding investment.