Getting The Most Out of a Social Security Plan

Through a survey conducted by National Wide Retirement Financial Institute, whose members are mostly the retired and those who are ten years away from retirement, most financial advisers don’t talk about social security to their clients. In the survey, it also showed that four out of five people were willing to change their financial advisers if they were not talking about social security on Vimeo.

According to David Giertz, most financial advisers tend to avoid the topic of social security, as it’s seen as a wide complex topic which is based on numerous rules. This was seen to have a negative effect to the advisers, as clients were seen to move to advisers who were concerned about social security plans. This means that financial advisers may require to equip themselves on the issue. In the survey on, they also found out that those who turn on to social security so early may lose up to $300,000 for a period of more than twenty-five years, which translates to one thousand dollars a month, thus the need to optimize on the social security plan.

Having an MBA from the University of Miami and a BS from Millikin University, David Giertz is the current President of Nationwide Financial’s sales and distribution organization, (NFS Distributors Inc). His responsibilities range from wholesale strategy and distribution of retirement plans in the private sector, specialty markets, life insurance, annuities and mutual funds through banks as well as independent dealers and regional firms at

Having an experience of more than three decades in the financial service industry, David Giertz has been involved with various organizations. He has previously held position on the board of Trustees with Millikin University and currently holds a position as an arbitrator with FINRA. Mr. Giertz has as well served as President, Senior Vice President and Director for several other Nationwide companies.

How To Buy Investment Grade Wine Through UKV PLC

United Kingdom Vinters, commonly known as UKV PLC, is a company that offers its clients a way to purchase high-end wines and champagnes for either consumption or as an investment. The team at UKV PLC is made up of a group of long-time fine wine consultants who can lead the client through all the choices that are available to them.

The company, which is privately held, is run as an independent entity and as such has a broad array of suppliers throughout Europe. As an independent company they are able to source wine that their competitors don’t have access to.

There are multiple ways to consult with one of UKV PLC’s wine consultants. The company, while based in Croydon, Surrey, has a trading floor that it operates in London. The wine consultants are also able to meet clients at their home if that is more convenient, or even at their business. They also offer the ability for clients to sell their wine at their London trading floor as they offer a brokerage service for investment grade wines and champagnes.

UKV PLC is able to supply the most exclusive labels from France, Spain, and Italy. The types of wine that they can offer for sale are Italian, Burgundy, Spanish, Bordeaux, as well as Champagnes. Their investment grade wines include a bottle of Lafite Rothschild 1982 for £37,500.00, a Margaux 2009 for £7,200.00, and a Dom Perignon 2004 which they offer for sale at £1,475.00.

UKV PLC maintains an active social media presence that is filled with tips and articles about wine and champagne. The company’s Facebook page is updated daily and one of their recent articles explained how to collect wine and the mistakes to avoid. Another recent article introduced Spain’s most expensive wine which was just released at a cost of €2,000 per bottle.

Evolution Of Smooth Is Changing The Lip Balm Market

Where It All Started

Evolution of Smooth was founded in 2007. The company was essentially considered a risk because the idea of EOS lip balm, a product meant to Target young women, was simply unheard of. People thought of lip balm as a unisex product and nobody would’ve guessed that customers would’ve been willing to switch brands. However, this was all proven incorrect by EOS and there are millions of young women around the world who would beg to differ with these assumptions

How Evolution Of Smooth Beat The Competition

The research that EOS lip balm conducted prior to the creation of this product is what separated it from its competitors. Their research uncovered a number of surprises about the lip balm market. First and foremost, they discovered that most people who used lip balm were in fact women. Beyond the largely female market for lip balm they were also surprised to find a lack of advertising for lip balm. This created the perfect situation to strike. It was only natural that Evolution of Smooth shoot through the ranks when the competition is so blind to obvious facts about the consumer demographics.

Building On Success

Evolution of Smooth isn’t content with lip balm alone. Now, the company is expanding its reach into other personal care products such as lotion and shaving cream. The attention the lip balm receives makes it the perfect opportunity to expand into other markets. Young women, the target demo of EOS, are seriously in love with the brand. A recent study conducted by Facebook, Teen Vogue and Goldman Sachs revealed that EOS was one of the 50 most popular brands among Millennial women. That really says everything you could want to know about Evolution of Smooth and where it’s future lies.