Category Archives: Financial Institutions

David Giertz Explains the Importance of Social Security in Retirement Portfolios

David Giertz is a famous financial advisor and broker who works out of Dublin, Ohio. He is the Senior Vice President of Nationwide Financial Distribution and Sales at Nationwide Life Insurance Company. Unlike other financial advisors, David is knowledgeable and understands the importance of including social security in a retirement portfolio on Twitter. He emphasizes that up to 40% of a retirement portfolio could be social security. In turn, it is extremely important that the portfolio is optimized to include social security so that investors get the most out of it.

David Giertz explains that many financial advisors do not include social security in their clients’ retirement plans on because they either lack knowledge about how to integrate it into the retirement plan, or they are not knowledgeable about the rules. As a matter of fact, there is a handbook about social security rules that contains around 2,700 rules. Not only is this time-consuming to read, but it is also complex to comprehend.

Read more: Insurance Agent at Nationwide Financial Institution in Fort Lauderdale, FL

David Giertz, also known as Dave, explains that around 80% of retirement investors would change financial advisors if social security is not a part of the retirement financial plan on

It is crucial that social security is managed properly in a retirement account at If it is not managed properly or is turned on too early, investors could lose up to $1,000 per month. That obviously would add up over time.

Dave is a registered licensed broker in many different states in the United States. He has over 31 years of experience and is able to broker in a handful of northwestern states and southeastern states.

Martin Lustgarten is Causing Waves in the Global Investment Banking Circles

Investment banks offer means of raising funds and advisory services to institutions and other clients. They participate in trading activities for their customers and at times for their behalf. Historically, investment banks and commercial banks operated as entirely distinct entities. Today, many financial service companies offer both commercial and investment banking service, and they are called “universal” banks.

Top clients of investment bankers

  1. Corporates: These are companies operating in industries such as retail, media, food and drink, technology, healthcare, energy, and chemicals.
  2. Sovereigns: This group of clients consists of government agencies and quasi-governmental entities like the sovereign wealth funds and export credit agencies.
  3. Wealthy individuals: These are people with investable assets valued at more than $1 million.
  4. Funds: These are investment vehicles that pool assets of investors and adopt a specific investment strategy such as hedge funds, pension funds, and private equity funds.
  5. Banks: Financial institutions may carry out trading and investment activities to generate profits for themselves or protect the organization against risks.

Investment bank’s sources of income

  • Service fees: They include fees charged for advisory services, provision of finance, raising capital for clients, investment services, research, and trading services.
  • Investments: Profits generated from the investments made.
  • Trading: Profits amassed after purchasing and selling of securities.
  • Interest: Returns from loans offered.

About: Martin Lustgarten

Martin Lustgarten took advantage of his dual citizenship (Austria and Venezuela) to increase his client base and deliver quality services to them. He advises both experienced and beginning investors to focus on international investments. Spreading wealth between many companies enables investors to lower their risks and capitalize on local growth. Martin uses his long-term experience to observe the market closely and react when signs of economic slump become evident.

Investors can learn a lot from Martin’s investment tactics. He dedicates his effort to identify the ideal investment opportunity and utilizes his intelligence to navigate recessions. Martin serves as a CEO of an internationally recognized Lustgarten, Martin Firm. Through the firm, he has helped many young clients to plan their retirement. He has helped them in identifying the perfect investment opportunity.

Global Lender Equities First Holdings Sees a Growing Trend Among Borrowers Who Use Stock as Loan Collateral to Secure Working Capital

Equities First Holdings is one of the best global lenders using stocks as collateral. For you to secure the stock-based loans at the company, you do not have to be pre-qualified. According to the company, the stock-based loans have been massively adopted as one of the most innovative ways to secure working capital. There is also an increased traction on the margin loans. However, the best option for a borrower is the stock-based loans. During this era of financial crisis in the country, major banks and financial institutions have tightened their lending criteria. For this reason, they have also increased their interest rates to scare away most borrowers. For those who need fast working capital using stocks as collateral, then the net best option is Equities First Holdings. If you do not qualify for the credit-based loans, you have a chance to continue gaining money from Equities First Holdings.

While there are numerous sources of capital for people and individual companies, the major banks and financial institutions have cut down their lending capabilities to most borrowers. For this reason, it has led to the tightening of loan qualifications in the banks and financial institutions. According to Equities First Holdings, the banks have also increased their interest rates on credit-based loans. The Founder and President of Equities First Holdings, Al Christy, says that he has seen a massive adoption of the loans which are collateralized by stocks adopted on a large scale. For individual borrowers and business companies, they have opted for the most innovative way of acquiring fast working capital. These loans also offer a higher loan-to-value ratio. For this reason, you will enjoy most of its profit without paying back to the lender.

On the other hand, the stock-based loans have offered a fixed interest rates. Moreover, they also have a non-recourse feature that allows you to walk away from the loan without having a further obligation to the lender. For this reason, they are the best loans to find your way. During a two-year loan, there is always inevitable fluctuation in the stocks. Therefore, you should always recharge the stocks before you end up losing them.

According to Al Christy, there is a difference between margin loans and stock-based loans. For most people, they do not know the difference between the two. While most of them allow you to secure working capital using stocks, the margin loans require you to state the intended use of the money as a way of qualification.

Stephen Murray and his Legacy

Stephen Murray is an individual who is known for his excellence within the financial industry and is known for for his personable and individualized advice that is not only given to employees as his work, but is also given to individuals who seek his specialized help at CCMP Capital. With an assortment of expertise within the world of finance, Stephen Murray has been able to assist thousands of individuals to find the best investment that comes with the highest return in addition to the lowest risk. With the help of Stephen Murray, each client at CCMP has a close relationship with Stephen Murray and is able to procure the best financial advice.

Stephen Murray is the former co-founder as well as the former CEO of CCMP Capital, an investment branch that was formed in order to help clients that are specifically looking for experts within the buyout and growth equity industry. With the help of Stephen Murray, the financial industry has continued to grow and has continued to flourish. The goal of Stephen Murray was to gain back the trust of investors even after the 2008 subprime mortgage crisis. Despite the lack of universal trust, Stephen Murray has been able to continue to find clients and earn their trust by doing exactly what he knows and loves to do.

Read more:
5 Questions with Stephen Murray, CEO of CCMP Capital
CCMP Capital Advisors Gets Backing to Resume Investing From Fund

Stephen Murray, even at an early age, knew that he wanted to pursue the economics path with not only school, but also in a career. With a freshly earned degree in economics from Boston College, Stephen Murray set out to gain more knowledge as well as experience within the giant world of economics to help other individuals pursue their own means. With a comparative advantage in finances, Stephen Murray has been able to help clients with financial advice and has been able to help find the best investments that yield the highest returns.

As a financial investor and as a lover of economics, Stephen Murray has been able to not only give back to his clients, but has also been able to help others that have not been as fortunate with their career path. Stephen Murray has been a dedicated individual and has helped others with both time and effort. Stephen Murray will be known for his legacy and will be remembered by his employees and by his clients as a personable individual who treated every individual as a partner to the company.

Equities First Holdings, LLC Continues Growth

Equities First Holdings, LLC, an alternative shareholder financing solutions global leader is pleased to announce the acquisition of Meridian Equities Partners offices situated in Australia. Equities First Holdings, LLC is now operating its duties from six facilities five continents. Under the new Equities first Holdings (Australia) Pty. Ltd., the office will continue carrying out its daily duties.

According to the President of Equities First Holdings, LLC, the year 2014 saw the company make remarkable expansions to over 14 countries. According to him, this acquisition marks a great deal in their plan to expand globally. Equities First Holdings, LLC is excited and thrilled at the great opportunities presenting them to deliver their expertise and trusted services to the wider consumer base. The Founder and President of Equities First Holdings, LLC, Al J. Christy, said that the company would offer unique solutions to businesses, investors, and high-net-worth individuals enterprises in the world at the most attractive levels of interest to the publicly-traded shares with six officers serving Europe, Asia, North America, and Australia.

Equities First Holdings, LLC, facilitated by its expansion globally, has experienced a three-year growth of more than 40 percent. For the closing financial solutions, the company has growth more than 30 percent in the last three years. While the company is to its record-setting growth, it continues to develop unique solutions to foster development within its customer base. Moreover, the Equities First Holdings, LLC global workforce has seen an increase in more than 50 percent since 2011.

According to Al Christy, the company has enjoyed a year of peace and prosperity. He continued further to say that this growth has been realized because of the two key components. The company has engaged in efficient and transparent solutions, which meets the daily needs presented to them by their customers. The company also has a state-of-the-art experience they deliver through state infrastructure to ensure that Equities First Holdings, LLC members are satisfied. While the company continues to grow organically, they continue to invest heavily in infrastructure and operations to ensure that they remain the best option in the world for solutions.

Equities First Holdings, LLC is an equity company that has specialization in alternative cooperate financing solutions and non-recourse shareholder financing solutions. Equities First Holdings, LLC offers their lending options at the centralized competitive terms collateralized by the securities and stocks. In 2002, Equities First Holdings, LLC was founded. For more than 25 years, it has specialized in assisting their customers with alternative sources of finance.

Michael Gove Speaks Out As Equity First Holdings Facilitates Edi Truell’s Share Swap

Michael Gove is trying to make money on the political front line. That is after leading his country into the deep hole of Brexit and an unsuccessful prime ministerial coup. Presently, the former journalist is focused on public speaking. Chartwell Speakers that acts as an agent for various experts, including Stephen Hawking and Mitt Romney, has signed Gove.

Noteworthy, the agency is publicizing Gove’s ability to provide fascinating views into the referendum along with what post-Brexit life might look like. The large fees associated with corporate speaking engagements would complement any journalistic salary. He is tipped to be the Sunday Times’ next editor.

Renowned lenders such as Equities First Holdings are making their presence known, especially in areas where banks perceive to be high-risk areas. The company has been lending money to different business and notable investors such as Edi Truell of Tungsten and Rob Terry of Quindell. In turn, the firm collateralizes their shares. Recently, Truell effected the transfer of Tungsten shares (6m) to EFH for approximately £4 million in cash. This information was originally reported on as provided in the following link

About Equities First Holding

Equities First Holdings (EFH) is a leading global provider of lending solutions for high net-worth individuals and businesses seeking non-purpose capital. The alternative shareholding financing service company’s headquarters are based in Indianapolis, Indiana. It was formed in 2002. EFH operates as a private and full-service non-purpose lender. It specializes on transactions where investors that require quick funding have collateral. Through the firm’s simple procedure, EFH clients are able to access liquidity at lower market rates. Its loans are offered based on the firm’s evaluation of the future performance and risks associated with the securities.

Recently, the company acquired Meridian Equity Partners Limited, which is located in London. After the acquisition, the Meridian changed to Equities First (London) Limited. The objective of this acquisition was to enhance Equities First brand. In addition, it sought to enable the agency to provide liquidity at attractive terms to its clients in Europe, Australia, and Asia. EFH has completed over 700 transactions. The value of these transactions is estimated to be over $1.4 billion. Globally, EFH has offices in nine nations. It has fully owned subsidiaries in London, Australia, Singapore, and Hong Kong.

The Growth of Unsecured Notes

NexBank Capital, Inc., is a financial service provider that is based in Dallas. It is a member of FDIC. NexBank Capital Inc., offers first hand services to its clients in mortgage banking, investment banking and commercial banking. As at now, it has got an average of 51 – 200 employees. John Holt is the current president and Chief Executive Officer of NexBank Capital, Inc. NexBank Capital has partnered with the neighborhood homes in southern Dallas to provide affordable homes to the residents of the area.

In September 2016, NexBank Capital Inc. announced an impressive increase in one of its senior unsecured notes to $75 million in the private placement. The sole agent during the private placement of the notes was Sandler O’Neil and Partners, L.P. The notes have got five-year interest rates of 5.5% after which they will have an unfixed rate that will depend on the three-month LIBOR of 435.5 points. The proceeds from the offering are supposed to be used for capital growth and also for other corporate affairs. These senior unsecured notes cannot be sold or offered in the United States since they are not registered under the security Act.

NexBank Capital has got a wide range of clients in financial institutions and worldwide Corporations, which was $25 million as at March 18, 2016. Over the last six months NexBank Capital, Inc., has experienced a strong growth of investors, which has led to the increase of the banks offering. Their capital raise has increased to $100 million of debt and equity due their placement complements. Continued growth and strength of NexBank has been evident in the continued notes offering and majorly the recent Kroll Rating, which assigned the notes an investment grade rating. With their stable outlook, Kroll Rating recently got an upgrade from BBB- to BBB.

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