David Giertz has developed great expertise as a financial adviser who helps his clients successfully navigate complex markets and implement savings and retirement plans according to their unique circumstances. One thing he has noticed is that most people don’t properly plan for retirement if they plan at all and he hopes to convince potential clients of the paramount importance of a solid financial plan in going forward. The earliest one can plan for retirement the better off one will be when the time comes according to Giertz.
A savings plan for retirement is essential, although, it may not be enough and other ideas may need to be considered. Investing in market opportunities could be a valuable supplement to savings and Social Security. Giertz can help with the array of market choices and analyze a client’s tolerance for risk.
David Giertz also has a full understanding of the formulas used to estimate the amount of savings that one might need. As can be expected if one wishes to retire early the savings amounts are exponentially increased. He can help each client determine their needs and the correct path forward.
A Roth IRA could be very helpful for those contemplating early retirement as funds are taxed before withdrawals so there are no penalties imposed for those who use the monies before age 59 and a half. There are income stipulations, however, and anyone who makes more than $118,000 per year cannot use a Roth IRA.
A brokerage account for investments is recommended by Giertz and is an excellent way to complement your savings and Social Security. Giertz helps his clients access various markets and helps them develop this potentially critical alternative income stream.
A health savings account is also a viable way to plan for retirement and offers an attractive investment opportunity. To avoid penalties only use this for conditional medical expenses.
David Giertz has over three decades of experience as a financial adviser and a successful track record of helping his clients prepare for retirement. He is employed by Nationwide Investment Services Corporation in Dublin, Ohio.
He has four certifications that he uses to help his clients grow their asset base via various market opportunities. Equities, commodities, and bonds often attain superior performance when compared to risk-free vehicles. David Giertz is also a certified business coach with the Worldwide Association of Business Coaches.
Find out more about David Giertz: https://thebrotalk.com/investing/even-bros-retire-ohio-investment-advisor-david-giertz-ideas-get-prepared/