https://padlet.com/BrianGibbsSanDiego/About Serving clients in the San Diego, California, area, Brian Gibbs currently serves as CEO and president of Heritage Retirement Advisors, Inc. Through his firm, he offers a wide array of advisory services in the areas of retirement planning, estate planning, tax planning, charitable planning, and real estate. As a registered financial consultant, Brian Gibbs has been helping clients in the San Diego area build and retain wealth for more than 30 years. Before embarking upon his professional career, Gibbs attended Brigham Young University in Provo, Utah, where he earned a bachelor of science degree in financial and estate planning. While studying there, he was named the Robert L. Ward "Outstanding Financial Planner" Award winner and also held membership in the school’s Academic Honors Society. As a former financial advisor and investment banker, he helped his clients grow their portfolios over the years and has since leveraged his extensive experience to serve clients as a comprehensive retirement planner. Apart from his work, Brian enjoys staying active and plays a number of recreational sports. en-us 2017-03-29 08:38:43 UTC 2017-08-03 00:17:03 UTC hello@padlet.com BrianGibbsSanDiego https://padlet.com/BrianGibbsSanDiego/About/wish/163348137 2017-03-29 08:40:45 UTC https://padlet.com/BrianGibbsSanDiego/About/wish/163348137 BrianGibbsSanDiego https://padlet.com/BrianGibbsSanDiego/About/wish/177747687 For more than a decade, Brian Gibbs has served as president and CEO of Heritage Retirement Advisors, Inc. in San Diego, California, working with clients who have a high net worth to meet their goals and wants. In addition to his everyday work in the San Diego area, Brian Gibbs is a member of the Million Dollar Round Table (MDRT). 

According to research by Million Dollar Round Table, young adults between the ages of 18 and 34 tend to put off retirement planning until later in life, even though they understand the importance of doing so as much as older adults. Most in this age range say the would like to retire by the time they turn 62, but only a little more than 20 percent of them say they are currently putting aside money for that purpose. 

Millennials tend to value travel, college education, and home buying more than retirement savings. In terms of actually planning, more than 90 percent indicate they have no plan whatsoever for retirement savings, with most unsure about how to begin or believing they don’t have the income stream to make it possible. According to MDRT member Brenton Harrison, a financial planner, it’s important to educate young adults about the importance of retirement savings, and how even a little bit of money invested now can make a huge difference later.]]> 2017-06-29 14:34:28 UTC https://padlet.com/BrianGibbsSanDiego/About/wish/177747687 BrianGibbsSanDiego https://padlet.com/BrianGibbsSanDiego/About/wish/179992764 A Retirement Income Certified Professional, Brian Gibbs has worked in the financial services industry in San Diego for more than three decades. Leading up to his career as a retirement advisor, Brian Gibbs attended Brigham Young University, where he earned a bachelor’s degree in financial and estate planning with a minor in Spanish. 

In an increasingly globalized business environment, knowing a second language can provide a number of benefits. In 2015, a study published by Instituto Cervantes put the number of Spanish speakers in the United States at 52.6 million, making it the world’s second-largest Spanish-speaking country, behind Mexico. In San Diego County, nearly 25 percent of the population lives in a home where Spanish is spoken. Business leaders in the United States who speak Spanish are at an advantage, as they are able to leverage their language skills to communicate better and build stronger relationships with their Spanish-speaking clients and associates.

Numbers aggregated by Prudential indicate that the financial services market shows growth potential among Spanish-speaking individuals. According to the 2012 Census Bureau American Community Survey, 9.6 million Hispanic households in the United States had median incomes of more than $25,000. However, more than half of individuals surveyed indicated that they have poor to very poor understanding of retirement plans offered by US employers. Those surveyed also relayed an overall lack of trust for financial service providers and indicated a desire to work with bilingual or Spanish-speaking advisors and receive educational materials in Spanish.]]> 2017-08-03 00:15:59 UTC https://padlet.com/BrianGibbsSanDiego/About/wish/179992764