In most instances, most people fail to save money for a better future because they have a mere misconception that many Americans do not get any savings in the banks whenever they are ready to retire. However, nothing is important like when one develops a habit of saving. According to David Giertz, the reputable financial advisor, a retirement plan does not only include saving but also a wise spending. Actually, Giertz insists that a good retirement plan should at all times incorporate a responsible way of life that discourages extravagance, especially during the golden age.
An awful experience is when a retiree spends money with a feeling of guilt. David Giertz outlines the following necessary guidelines a retiree should abide by when saving for retirement; being disciplined i.e. having a sound approach to your personal preferences, developing a detailed plan on how you want to share your money to your heirs, creating a budget plan, and having cash reserves with you all the time. Thus, retirement is not about saving and waiting for you to retire to spend your money but having a sound plan on how you will spend your money.
David Giertz has been working as a financial advisor at Nationwide Investment Services Corporation for a period of 31 years. Previously, he used to serve as the president of Nationwide Financial Sales and Distribution Centre. Most people recognize him as Dave but he is professionally known as David Luther Giertz. Interestingly, his career journey started at Citigroup where he worked for close to 10 years as a financial advisor.
Additionally, David Giertz is a registered FINRA broker. He works as a sales representative for large brokerage corporations in the United States. In addition, as a registered FINRA associate, David Giertz is responsible for security exchanges at Dublin, Ohio. Dave Giertz is a graduate of Millikin University. He also obtained his Executive Master of Business Administration from the University of Miami. In his entire professional life, David Giertz has always emphasized the importance of living a happy life after retiring.