David Giertz is a successful financial advisor that has more than 30 years of experience in the industry. He specializes in profitable growth meaning that growth should be strategically planned through specific processes while utilizing current innovations to build successful finances. David got his start in the financial industry at Citigroup. He worked for them for ten years as a Financial Services Advisor. He later got promoted to Area Director, then Executive Vice President of Sales. David Giertz has always been the master of his craft.
He has always met and exceeded the goals of his company. Just to give readers an idea of how knowledgeable David is at what he does, he grew Nationwide Financials sales revenue $7 billion. He provides excellent advice for retirement planning as well. In the article titled “Florida Financial Advisor David Giertz Has the Best Advice for Retirement Planning,” he talks about decision making for retirement. Attempting to understand the best financial product that will yield the best results long term can be a daunting task. He makes the work less mind-boggling and decreases worry for investors all over the world.
Starting with 401(k) contributions, he lets people know that they can contribute up to $18,500 per year. Not to mention, individuals who are 50 years of age or older are now able to contribute an additional $6,000 per year as catch-up contributions. Altogether, that adds up to $24,500 per year! David believes that this is an excellent opportunity for everyone and that they should take advantage of it while the offer still stands. Customers of IRA’s need to be aware that IRA deductions are diminishing based on income range. If an individual earns an income that is beyond that range, they will no longer be able to participate in these deductions.
For example, if a member is single, or head of household, the phase-out range is between $63,000 and $73,000. Married couples that are filing jointly have a higher phase-out range which is $101,000 to 121,000. David Giertz also informs people to see Health Savings Accounts as a retirement option as contributions are tax-deductible. Not to mention, there are no capital gains or dividend taxes applied to the money. Once a member becomes 65, they can use the money for things other than health expenses.