3 Pillars of Financial Planning According To Richard Blair

Richard Blair of Wealth Solutions has been helping families, individuals and small business owners grow, protect and manage their wealth for over 20 years.


Growing up in a family full of teachers Blair quickly realized just how powerful education could be. In 1994 he decided to start Wealth Solutions with the goal of helping as many people as he could by educating them and showing them how to invest their money wisely.


Needless to say his mission has been a success. Since opening Wealth Solutions he has helped thousands of families, individuals and small business owners in the Austin area secure a better future by making smart investments.


Here are the 3 pillars of financial planning that Richard Blair takes all of his clients through.


Pillar #1 – Laying Out The Financial Roadmap


The first pillar is all about helping clients identify their goals, strengths and risk tolerance. By identifying these three key areas its a lot easier to find growth opportunities that are in line with what the client is trying to accomplish.


Pillar #2 – Develop a Long Term Strategy


The second pillar is all about creating a strategy that will help you meet your investment needs both now and in the future. The best way to do this is by creating a long term investment strategy.


When helping his clients develop a long term strategy, Blair takes a very hands on approach.


Instead of offering each client the same generic strategy like most big companies do, Richard creates one based on each clients individual needs. And to ensure all of his clients get the maximum performance from their portfolio’s Richard will also reallocate and manages assets when necessary.


Pillar #3 – Make Sure All Insurance Needs Are Met


Insurance is something that most families often forget about. They think its something they can put off until they are older.


This however couldn’t be further from the truth. Having adequate insurance is one of the most important aspects of financial planning.


Richard makes sure all of his clients have plenty of insurance to meet all of their needs now as well as in the future.


More About Richard Blair


Today Richard Blair’s firm is continuing to grow by leaps and bounds. He his helping more and more people every year get on the path to financial freedom.


To learn more about Richard Blair and Wealth Solutions visit http://www.wealthsolutionsria.com.

How One Could Say Kate Hudson’s Company Fabletics Is Taking On Amazon

When you hear about traditional fashion and lifestyle retail stores shuttering locations and seeing a decline in shopping malls, the first culprit that usually comes to mind is Amazon. It’s no surprise that with its cheaper prices and unique way of doing business, the e-commerce giant has become one of the biggest threats to brick and mortar companies. But one fashion brand that seems to be catching on to Amazon’s secrets is Fabletics, a woman’s athleisure brand owned by movie actress Kate Hudson. Fabletics came into existence from the hope that women of all ages and sizes could find sportswear that was both affordable and enticing for them, and Hudson has not only endorsed but has made the brand her very own.


The way Fabletics has had success competing with Amazon is that they’ve used a variety of methods to take advantage of the online first browsing but then bring those customers into their physical stores which are being opened. This perhaps is a sign that while the old physical store companies may be on the decline, physical stores are still important because customers still need to try on the apparel at the end of the day. What this entails is reverse showrooming which means instead of heading to the stores first see what they want and then buying online, they see what they want online first and then go to the store to get it. A simple concept but one that’s really not been done this way with certain other retailers.


So how did Fabletics really begin? While Kate Hudson has really put her stamp on the company, it’s an offshoot of JustFab which is now known as Techstyle Fashion Group, a company that former MySpace marketing gurus Adam Goldenberg and Don Ressler founded. They wanted to enter the women’s athletic wear niche because they saw a void in that market that needed to be filled by more affordable designs. They decided to have Hudson run it because her personality and love for all things authentic was the perfect touch, and Hudson was all too happy to do it.


Hudson had only been an actress up until 2013 when Fabletics hit the ground running, but because she believed in the product and the brand brought customers in through big data and technology, it’s been a dynamic brand. It’s not just been about quality and affordability but actually giving customers a shopping experience they love. Now jumping on board the celebrities who are all in on Fabletics is pop singer Demi Lovato. If you want to see how Fabletics can fit you, you should head to www.fabletics.com and take the lifestyle quiz to get started finding your outfit.

Who Will Replace Luiz Carlos Trabuco Cappi As CEO Of Bradesco?

Luiz Carlos Trabuco Cappi, the man who has served as CEO of Grupo Bradesco for the last 9 years, will soon be stepping down from that position in order to assume the role of chairman of the board. The 67-year-old executive is already past the 65-year-old maximum retirement age by two years, a condition that was made possible by the issuance of special waivers directly from the chairman himself, Lazaro Brandao.

Trabuco Cappi was permitted to stay on as CEO for an extended duration due to his intricate knowledge of the HSBC acquisition, which the bank completed in 2015. Trabuco Cappi was kept on board to oversee the integration of all of the HSBC assets into the Bradesco fold.

The current chairman, Brandao, in turn, will be stepping down permanently. At 92 years old, he is one of the oldest currently serving chairpersons in the world. Even as the nonagenarian banker approaches his mid-90s, there are still many stakeholders in the company that are not pleased to see him go. Brandao has overseen the period of the bank’s most phenomenal growth. Between 1990 and 2009, with Brandao serving in various executive roles, the bank’s value increased by more than 300 times. This has made Brandao into a sort of living legend in the minds of investor’s, with his presence at the top of the Bradesco pyramid heavily favored by those who have made so much money under his command.

Read more on valor.com.br

Brandao has garnered as much respect and admiration as is usually reserved for the legendary founding leaders of companies. He is described by many shareholders in the same glowing terms as those used to by the shareholders of Berkshire Hathaway to describe Warren Buffett or the investors of Walmart to describe Sam Walton. But what is interesting about Brandao is his total lack of involvement in either the founding of the company or even its leadership for the first 38 years of its existence according to camar.sp.gov.br. Still, he has gained a sort of hagiographic aura among Bradesco stakeholders that means that, even as he approaches an age beyond which most people live, his troops still rally around him.

This creates somewhat of a problem for Trabuco Cappi, who does not command the same kind of instant respect as Brandao. But Trabuco Cappi has arguably been just as critical in the ascent of Bradesco from small regional concern into one of the powerhouses of Latin American finance.

Over the course of his career, Trabuco Cappi has overseen multiple departments, taking many from unprofitability into the black and expanding the bank’s balance sheets and customer base as he did so. Trabuco Cappi was single-handedly responsible for turning the bank’s financial planning division into one of its most profitable units. And he was a key figure in the rapid expansion of the bank’s balance sheets throughout the 90s and 2000s. As the first one to implement a tiered banking system, in which the most valuable clients were offered world-class banking services, Trabuco Cappi was instrumental in boosting the amount of money on deposit by billions of dollars, thus allowing for dramatically increased loan origination.

There is no question that Trabuco Cappi will fulfill his duties of chairman with the same efficient and venerable approach with which he has handled other aspects of his career. But the question remains as to who will replace him as CEO.

Most of the smart money seems to be coalescing around Mauricio Minas, the bank’s 57-year-old chief IT officer. Minas was responsible for the development of the highly successful Next online banking platform as well as the integration of all HSBC tech assets into those of Bradesco. He is considered a heavy favorite.

See: http://www.istoedinheiro.com.br/noticias/negocios/20151218/luiz-carlos-trabuco-cappi-empreendedor-ano-nas-financas-2015/327856