--- title: Join Vanderbilt (14) description: (14) --- [![Logo-nav-for-web](https://blog.joinvanderbilt.com/hs-fs/hubfs/Images/Logo-nav-for-web.jpg?width=150&name=Logo-nav-for-web.jpg)](http://joinvanderbilt.com/) - [Home](http://joinvanderbilt.com/) - [About Us](http://joinvanderbilt.com/letter-from-our-ceo/) - [Welcome from our CEO](http://joinvanderbilt.com/letter-from-our-ceo/) - [Unique Culture](http://joinvanderbilt.com/unique-culture/) - [Meet Our Team](http://joinvanderbilt.com/meet-our-team/) - [Sustainable Wealth Management Firm](http://joinvanderbilt.com/sustainable-broker-dealer/) - [Our Services](http://joinvanderbilt.com/impact-investments/) - [Impact Investing](https://joinvanderbilt.com/impact-investments/) - [Investments Services](http://joinvanderbilt.com/investment/) - [Insurance](http://joinvanderbilt.com/insurance-services/) - [Advisory Services](http://joinvanderbilt.com/advisory-services-2/) - [Technology Platform](http://joinvanderbilt.com/tech-suite/) - [Join Us](http://joinvanderbilt.com/why-vanderbilt-independent-broker-dealer/) - [Why Vanderbilt](http://joinvanderbilt.com/why-vanderbilt-independent-broker-dealer/) - [Transition Process](http://joinvanderbilt.com/transition/) - [Timeline](http://joinvanderbilt.com/in-the-news/) - [Resources](https://blog.joinvanderbilt.com) - [Blog](https://blog.joinvanderbilt.com) - [Videos](http://joinvanderbilt.com/videos/) - [In The Press](https://joinvanderbilt.com/in-the-press/) - [Contact Us](https://joinvanderbilt.com/contact-us/) # Join Vanderbilt Blog ## [Advisor Spotlight: Brian Ginty](https://blog.joinvanderbilt.com/advisor-spotlight-brian-ginty) Posted by [Jeso O'Neill, Chief Marketing Officer](https://blog.joinvanderbilt.com/author/jeso-oneill-chief-marketing-officer) on 11/5/19, 1:40 PM - [Tweet](https://twitter.com/share) [![](https://blog.joinvanderbilt.com/hubfs/Brian.jpg)](https://blog.joinvanderbilt.com/advisor-spotlight-brian-ginty)   *Each month Vanderbilt Financial Group features an Advisor in the Vanderbilt family who exhibits the VFG values of Gratitude, Respect, Innovation, Teamwork and Trust on a consistent basis. These values impact their work with clients and VFG staff, and ultimately pushes for an excellence in their business practices that is unparalleled and incredibly unique. Beyond high-level producers, these Advisors offer sage advice and best practices for boosting your business on your terms according to your values.  * This month I spoke to Brian Ginty of [Hudson Valley Financial Services](http://www.hvfin.com/). We chatted about the transformation of technology on the trading desk. Brian laid out some sage pieces of advice for young Financial Advisors just building up their book.  Listen in on the audio version below or continue on to read the transcript. [Read More](https://blog.joinvanderbilt.com/advisor-spotlight-brian-ginty) 0 Comments [Click here to read/write comments](https://blog.joinvanderbilt.com/advisor-spotlight-brian-ginty#comments-listing) Topics: [Financial Advising](https://blog.joinvanderbilt.com/topic/financial-advising), [Independent Financial Advisor](https://blog.joinvanderbilt.com/topic/independent-financial-advisor), [The Advisor Spotlight](https://blog.joinvanderbilt.com/topic/the-advisor-spotlight) ## [The Top 3 Things Clients are Afraid of (And How to Ease Their Fears)](https://blog.joinvanderbilt.com/things-clients-are-afraid-of) Posted by [Moira Do](https://blog.joinvanderbilt.com/author/moira-do) on 10/31/19, 10:31 AM - [Tweet](https://twitter.com/share) [![](https://blog.joinvanderbilt.com/hubfs/Halloween%20Worst%20Fears%20of%20Clients.jpg)](https://blog.joinvanderbilt.com/things-clients-are-afraid-of)   [The origins of Halloween](https://www.history.com/topics/halloween/history-of-halloween) date back 2000 years ago when the Celts, who lived around Northern Ireland, celebrated their New Year on November 1. This day was believed to be the beginning of a dark, cold winter with low food supplies, and increased opportunity to meet a mortal’s end. It was said that on the evening before this new year, the boundary between the world of the living and the dead was believed to become blurred. Ghosts and ghouls returned to Earth with tricks and spookiness abound. Now a popular holiday worldwide, Halloween’s frightening undertone isn’t only because of the spooky costumes, it’s also the stories we pass on to one another. Each industry deals with scary stories and fears that aren’t always life-threatening or haunted, but still a scary story indeed. To commemorate this, we gathered a group of Vanderbilt Financial Advisors to pass on their stories about the worst fears they see in clients and how they ease them. [Read More](https://blog.joinvanderbilt.com/things-clients-are-afraid-of) 0 Comments [Click here to read/write comments](https://blog.joinvanderbilt.com/things-clients-are-afraid-of#comments-listing) Topics: [Client Relationships](https://blog.joinvanderbilt.com/topic/client-relationships), [The October Effect](https://blog.joinvanderbilt.com/topic/the-october-effect), [Investment Fears](https://blog.joinvanderbilt.com/topic/investment-fears) ## [The October Effect: How to Overcome Stock Market Fears](https://blog.joinvanderbilt.com/overcome-stock-market-fears) Posted by [Joseph Trifiletti, President](https://blog.joinvanderbilt.com/author/joseph-trifiletti-president) on 10/22/19, 3:29 PM - [Tweet](https://twitter.com/share)   ![Stock Market Fears](https://blog.joinvanderbilt.com/hubfs/Stock%20Market%20Fears.jpg) The four-day Stock Market Crash starting October 24th, 1929, remains the worst Stock Market crash in U.S. History. Another ominous event in our collective memory happened on Monday, October 19th, 1987, when a sudden and largely unexpected stock market crash affected markets around the world. Stock markets fell in Hong Kong (45.5%), Australia (41.8%), Spain (31%), and the United States (22.68%). It was such a bleak day that it has been referenced countless time in popular culture as “[Black Monday](https://en.wikipedia.org/wiki/Black_Monday_(1987)).” [Read More](https://blog.joinvanderbilt.com/overcome-stock-market-fears) 0 Comments [Click here to read/write comments](https://blog.joinvanderbilt.com/overcome-stock-market-fears#comments-listing) Topics: [Investment Behavior](https://blog.joinvanderbilt.com/topic/investment-behavior), [The October Effect](https://blog.joinvanderbilt.com/topic/the-october-effect) ## [Back to School: CE Courses to Help Build Your Business](https://blog.joinvanderbilt.com/ce-courses-to-help-build-your-business) Posted by [Moira Do](https://blog.joinvanderbilt.com/author/moira-do) on 10/17/19, 8:45 AM - [Tweet](https://twitter.com/share) [![](https://blog.joinvanderbilt.com/hubfs/nervous-businesswoman-hands-close-up-PN97CAV.jpg)](https://blog.joinvanderbilt.com/ce-courses-to-help-build-your-business)   Being an [independent Financial Advisor](https://blog.joinvanderbilt.com/top-3-advantages-of-being-an-independent-financial-advisor) often means growing your business on your own without the structure or framework of a large firm. While the upsides to that are many (think: being your own boss on your own terms), the downside can include not having the business building skills needed to grow. An often under-utilized resource for leveling up on these skills can be found within the yearly mandated Continuing Education (CE) courses you’re required to take to uphold your license. Advisors may sometimes think of these as merely a compliance obligation, yet we’re here to let you in on a secret: there is valuable content that could help to build your entrepreneurial advisory *IF* you take the right classes. Below are 4 relevant CE Courses and why they could help your practice: [Read More](https://blog.joinvanderbilt.com/ce-courses-to-help-build-your-business) 0 Comments [Click here to read/write comments](https://blog.joinvanderbilt.com/ce-courses-to-help-build-your-business#comments-listing) Topics: [Business Building](https://blog.joinvanderbilt.com/topic/business-building), [Financial Literacy](https://blog.joinvanderbilt.com/topic/financial-literacy), [CE Compliance](https://blog.joinvanderbilt.com/topic/ce-compliance) ## [How to Help your Clients Navigate Student Loan Servicers](https://blog.joinvanderbilt.com/navigate-student-loan-servicers) Posted by [Moira Do](https://blog.joinvanderbilt.com/author/moira-do) on 10/15/19, 8:45 AM - [Tweet](https://twitter.com/share) [![](https://blog.joinvanderbilt.com/hubfs/Student-Loan-Debt-Servicers.jpg)](https://blog.joinvanderbilt.com/navigate-student-loan-servicers)   Federal Student Loan Debt is a major issue that affects [43 million adult Americans](https://www.americanprogress.org/issues/education-postsecondary/reports/2019/06/12/470893/addressing-1-5-trillion-federal-student-loan-debt/). Many of them, like borrower Nicole Nelson, a native of Illinois, sought the advice of her loan servicer, Great Lakes Educational Loan Services. In [a recent article](https://www.marketwatch.com/story/student-loan-servicer-cant-use-federal-law-to-avoid-lawsuit-over-alleged-bad-advice-2019-07-02) by MarketWatch, the company allegedly deceived her by steering her towards repayment plans that benefit them, not her. On June 2019, the federal appellate court unanimously decided that a loan servicer could not allegedly and deliberately misrepresent repayment options and use federal laws to shield the servicer from state rules barring deceptive business practices. The case highlights how the Education Department rarely holds servicers accountable. Due to these weak state consumer-protection laws in student-loan litigation, clients might end up with costly repayment options. [Read More](https://blog.joinvanderbilt.com/navigate-student-loan-servicers) 0 Comments [Click here to read/write comments](https://blog.joinvanderbilt.com/navigate-student-loan-servicers#comments-listing) Topics: [Financial Advising](https://blog.joinvanderbilt.com/topic/financial-advising), [College Debt](https://blog.joinvanderbilt.com/topic/college-debt), [Student Loan](https://blog.joinvanderbilt.com/topic/student-loan), [Back to School](https://blog.joinvanderbilt.com/topic/back-to-school) [Previous](https://blog.joinvanderbilt.com/page/13) [All posts](https://blog.joinvanderbilt.com/all) [Next](https://blog.joinvanderbilt.com/page/15) ### Subscribe to Email Updates ### Recent Posts Copyright 2015 - All Rights Reserved - Vanderbilt Financial Group 125 Froehlich Farm Blvd, Woodbury, NY 11797 | Phone: [631.845.5100](tel:6318455100) Vanderbilt Financial Group is the marketing name for Vanderbilt Securities, LLC and its affiliates. Securities offered through Vanderbilt Securities, LLC. Member FINRA, SIPC. Registered with MSRB.  Clearing agent: Fidelity Clearing & Custody Solutions Advisory Services offered through Vanderbilt Advisory Services & Consolidated Portfolio Review. Clearing agents: Fidelity  Clearing & Custody Solutions, Charles Schwab   Supervising Office: 125 Froehlich Farm Blvd, Woodbury, NY 11797 • [631-845-5100](tel:6318455100)   For additional information on services, disclosures, fees, and conflicts of interest, please visit [www.vanderbiltfg.com/disclosures](http://www.vanderbiltfg.com/disclosures)   VFG uses MSCI, an industry leader in driving ESG and Climate transparency through objective measuring and modeling of ESG characteristics. Learn more at [MSCI.com](http://msci.com/). VFG and its affiliates support and promote Environmental, Social, and Corporate Governance (“ESG”), Socially Responsible Investing (“SRI”), and Impact Investing, but the Firm and its affiliates do not require or mandate that its financial professionals engage solely in related activities.  Clients of the Firm and its affiliates are not required to adopt or invest in any specific security, strategy, or portfolio. We take protecting your data and privacy very seriously. As of January 1, 2020 the [California Consumer Privacy Act (CCPA)](https://www.caprivacy.org/) suggests the following link as an extra measure to safeguard your data: [Do not sell my personal information](https://www.joinvanderbilt.com/do-not-sell-personal-info). - [Facebook](https://www.facebook.com/pages/Vanderbilt-Financial-Group/162109927178504) - [Twitter](https://twitter.com/VanderbiltFG) - [Instagram](https://www.linkedin.com/company/vanderbilt-financial-group)