Ann Nolan

Plan For The Perfect Home

Social Security Through The Eyes of a Financial Advisor

Social security has been a topic that most financial advisors have avoided for a long time due the complexities that it comes with. A survey done by Nationwide Financial through the Nationwide Financial Retirement Institute on the people that were retired and those years away from retirement indicated that most people would less likely change their financial advisors if they were providing them with help on social security matters. David Giertz, the president Nationwide Financial Distributors at Nationwide Financial, during an interview at the Wall Street Journal, pushes for the importance of a client getting professional advice when it comes to Social Security.

A lot of people tend to find themselves in situations they don’t understand when they trend through this path without a guide on Some people may conclude that they have received less income than they should have while others find themselves with unexpected taxes that they had no idea about. “Those that turn on social security too early, they could lose over three hundred thousand over twenty-five years…” said Giertz during the interview in a bid to show how important it is for financial advisors to include advice on social security for their clients for them to maximize their retirement income.

David Giertz is a financial advisor with thirty years of experience in the business and the President of Nationwide Financial Sales Distributors at Nationwide Financial. He is also a registered broker and is in the business of buying and selling securities such as bonds and other investment- related products for large firms on Spokeo. He also offers advisory services on Portfolio management.

David Giertz’ thirty years in the business has seen him rise through the ranks, having served as President, Senior Vice President and Director of other Nationwide Companies.

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Todd Lubar: the Mortgage Banker and Seasoned Entrepreneur

Todd Lubar obtained his B.A. degree from esteemed Syracuse University in 1995, after specializing in speech communication. Prior to this, he had attended The Peddie School headquartered in New Jersey and Sidwell Friends School based in Washington DC. Over the years, he acquired skills in advertising, marketing and, financial planning strategy, enabling him to prosper in almost all forms of businesses. Lubar has two children and currently lives in Bethesda, Maryland.

Mortgage business

Lubar heads TDL Global Ventures, LLC, and holds an executive position at Legendary Investments. After graduating from Syracuse University, Lubar landed his first job at Crestar Mortgage Corporation, a premier company that provides revolutionary insurance and mortgage banking services. The skills he acquired in this company were fundamental for the positions he has held throughout his career. He worked for Crestar for four years before moving to Legacy Financial group in 1999.The company’s headquarters was in Arlington, Texas and its focus was lending money to individuals and business entities.

While working for Legacy Financial Group, Lubar was posted to the Maryland branch where he worked tirelessly increasing the loan volume up to $ 100 million in just a year. In this company, he was able to interact with investors from Mortgage Banks, thereby, expanding his scope in money lending. Lubar left the Legacy Financial Group, and he was appointed as the vice president of Charter Funding back in 2005. Charter Funding enjoyed Lubar’s services for two years, and with the mortgage market going into recession, he relinquished his job. In 2013, he started working as the sales director of Debt Defense Services, LLC. His current job enables him to work closely with people enabling them to purchase or sell houses regardless of their credit worthiness. Find him on social media or contact him via, where he loves to share with his fans and followers.

Other investments

Having worked in the mortgage sector for several years, Lubar had acquired enough to invest in other businesses such as entertainment, demolition, and real estate industry. The demolition business earned him several contracts resulting in increased profits. Additionally, Lubar invested in automotive scrap metal recycling, a business that made him even more popular. He has worked for many companies, and he continues to prosper in business.



Fabletics For Men And Women

Fabletics is a trendy and affordable workout gear company. They offer a full range of athletic apparel as well as workout gear. Although they are an online subscription based company individuals can order their own products without becoming a member. Fabletics is known for their high-quality items as well as large range of patterns and designs. It is so simple to use and is a great way to build your workout collection. Below is a little more information on how Fabletics works and how you can start building your workout collection today.


Fabletics is an online subscription service in which members can receive boxes of high-quality workout gear. Users simply visit Fabletics website and fill out a short questionnaire. The questionnaire is used to determine the type of clothes you like as well as the type of exercises you like to perform. This will ensure you get exactly the type of workout clothes you need.


After filling out the questionnaire members can then decide to become a VIP member. A VIP member ensures you will receive one Fabletics box every month shipped straight to your door. Not only does it include free shipping but members will receive two to three high-quality pieces of workout clothes or gear. It is very simple and easy to use. It is also very simple to cancel. Members who no longer wish to receive boxes can simply visit the website between the 1st and 5th of the month to skip or cancel their box.


The individuals that do not want to become a member can still order some of the pieces that Fabletics has to offer. Individuals can purchase capris, shorts and even bras and tank tops. They offer a full line of great workout gear at very reasonable prices.


In 2015 Fabletics released their mens collection. It was a great convenient way to offer men affordable and stylish workout clothes. Now men and women all over the world can enjoy Fabletics. Not only do they offer great products but they also get rave reviews. One of the best reviews came from the very popular review site Krazy Coupon Lady. Krazy Coupon Lady raved about the convenience of having Fabletics shipped straight to your door. Krazy Coupon Lady also loved the affordable pricing. With so many great features and so many positive reviews it is easy to see why fabletics is one of the number one athletic apparel companies in the world.