Bradesco Chairman Luiz Carlos Trabuco Cappi Thinks His New CEO Will Preserve The Bank’s Management Model

It’s almost official. Octavio Lazari, the fifty-four-year-old Bradesco insurance executive, will be the new CEO of the bank on March 12th. Trabuco Cappi, the current CEO, and newly appointed Chairman believes Lazari will continue managing the bank in the same way he did for the last eight years. Cappi is a banker’s banker in the eyes of many Bradesco employees. He got his start in banking in 1969 when founder Amador Aguiar and Lázaro de Mello Brandão thought he would make a good bank trainee.

Cappi didn’t have a finance degree, and he wasn’t a numbers cruncher, but his personality and psychology and philosophy degree were enough for the men. Cappi exceeded the expectations of some bankers, but Aguiar and Brandão knew Cappi was going to be an excellent bank executive. When Cappi was the president of the bank’s insurance arm, Seguros, Cappi put more money on the bank’s bottom line than the plan. And when Octavio Lazari was the head of the insurance division, he did the same thing.

CEO Luiz Carlos Trabuco Cappi and outgoing Chairman Lázaro de Mello Brandão and board members knew Lazari’s retail banking experience as well as insurance management experience would help him tackle some internal issues facing the bank. Cappi and Brandão know the bank is facing IT challenges in 2018, so they wanted a CEO who could work with IT Vice-President Machado Minas. Machado Minas was also a candidate for the CEO position, but he is the man the bank depends on when it comes to expanding mobile and Internet banking services. Machado Minas is up for a board position along with three other members of Cappi’s executive team, so a third of the board members will be part of the management team.

Read more: Bradesco deve anunciar sucessor de Trabuco antes do Carnaval

The appointment of Lazari leaves a hole in the Seguros management team, but Lazari will name a new insurance president at the end of March. Lazari is expecting higher loan volume in 2018, thanks to new government regulations and a drop in interest rates according to Higher loan volume will offset the lower loan margins, according to Lazari. Cappi is also lowering the CEO age cap from 67 to 65. Cappi is 67, but there is no age cap on the Chairman’s position. Outgoing Chairman Brandão is 91, and he is still competent enough to make Bradesco’s stock a “buy stock” on Wall Street and in Sao Paulo.

Credit demand is improving in 2018, according to Lazari. Bradesco is in a good position in terms of hitting their 2018 fiscal plan even though the Brazilian economy is just starting to show signs that the three-year recession is over. Lazari doesn’t plan on initiating any major acquisitions in 2018. The focus will be on tech advancements, reducing poorly performing bank branches, and offering new bank services that will make consumer and business banking easier.

Even though Brandão’s banking days are behind him, for the most part, he will still have an office, and a say in management decisions, according to Luiz Carlos Trabuco Cappi.

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Investment Advisor Igor Cornelsen: Making People Money For Five Decades

Ask almost anyone in Brazil who you should turn to when you need investment advice and they will point you to Igor Cornelsen. That’s because Cornelsen has a decades long track record for consistently helping his clients to make money. There are many reasons Cornelsen has an uncanny ability to predict which companies and markets will do well. First, he spent over two decades working in the banking industry with banks around the world. Secondly, he spends a great deal of time researching companies and markets and the forces that affect them. Plus, Cornelsen is a shrewd observer of economic activity.

Born in a small town in Brazil called Curitiba, Igor Cornelsen earned a degree in economics from the Federal University of Parana. For two decades after earning his degree, Cornelsen worked with some of Brazil’s largest and most prestigious investment and commercial banks. He also worked with banks from the United Kingdom and the United States. By the time he opened his investment advisory firm in 1995, Cornelsen was already known in Brazil and internationally as a man with a keen understanding of the forces that drive the world’s economic and financial markets.

Igor Cornelsen’s familiarity with the often confusing investment laws in Brazil made him the ‘go to guy’ for foreigners hoping to profit from Brazil’s vast natural resources and vibrant companies and markets. And Igor Cornelsen doesn’t disappoint. He has been able to consistently guide his clients to the right investment opportunities. This uncanny ability to make people money has made Cornelsen a legendary figure in Brazil’s financial circles. Even the average man on the street has heard Cornelsen’s name and knows that he is a champion investor.

After almost 50 years as an investment advisor and financial services professional, Cornelsen is now semi-retired. He spends his time playing golf in South Florida. Since 2010, Cornelsen is no longer involved in investing fulltime. It is now little more than a lucrative hobby at which he’s highly skilled. However, he still provides valuable investment advice through Bainbridge Investments Incorporated and continues to help people make lots of money.



Jacob Gottlieb the Investment Guru.

A poker game for most hedge fund managers is a way of showing off their skills, but for Jacob, he uses the game as a means of meeting up friends who are fellow hedge fund managers. The game is usually informal and takes place is either of the friend’s house and lasts for hours. The discussions that typically go on are about the management of a hedge company where they share their ideas.

The art of business building is a passion for Jacob, a former doctor before getting in the financial world. Visiam Asset Management is a company founded by Jacob that manages over 3 billion US dollars in assets. Visium balanced fund is a product of the company that has generated 15.6% return since its establishment. Despite its success, Jacob has a plan to transform the company into a multi-product, multi-strategy powerhouse to rival the most successful managers in hedge fund industry.

Jacob Gottlieb is a graduate of economics from Brown University based in Rhode Island, Dr. Gottlieb also attended the New York University Medical school receiving M.D. degree. Jacob was an intern at St. Vincent’s Hospital, New York which he later quit to continue his passion in the finance industry.

Jacob is the Chief Investment officer and Management Partner at Visium Assets Management, a company which he founded in 2005. Before establishing Visium Jacob was a founding associate of Balyasny Asset Management. Jacob raised in Brooklyn, New York with his younger brothers after the parents emigrated from Poland. Jacob’s father is an economics professor while the mother is a pediatrician the fascination he had for both professions saw him pursue them.

Jacob Gottlieb is a baseball fan and during his youth applied the trade of collecting baseball cards. During Jacob’s seventh grade he won by selecting winning stocks which saw his father opening an investment account for Jacob. Jacob has a unique insight on choosing the right profession as both surgeons and fund managers have the same characteristics of taking risks.

Dr. Gottlieb works with homeless children with Covenant House helping save the lives of homeless, trafficked and runaway children. Covenant House offers the young individuals with basic needs such as housing currently reaching over 80,000 youths annually.

Bob Reina: He’s As Advertised

Sometimes people hear about others, and they wonder aloud, “Can this person be as good as advertised?” Bob Reina, the CEO and founder of Talk Fusion, is as good as advertised and then some. He has, along with his IT team, created a product that is truly revolutionary in terms of the video technology world with its video newsletters, video emails, video conferences, and video chats. They have a little bit of everything for someone that is looking to get their startup moving in the right direction. This product was built for winners, and Bob Reina believes in the winners out there. He is here to give them a little confidence booster and push them in the right direction.

When they have all of the video apps that were mentioned, they start to see what life can offer them and what is around the corner for them. They see life in a whole new light as a matter of fact. They see it from a much happier point of view. They see change is on the horizon and things can and will get better for them. However, they can’t quit on themselves and they can’t quit on the product. They can’t expect instant results.  Learn more:

They will see results and things will move in the right direction moving forward, but it is going to take some time and they are going to have to put in a lot of work to see it happen. When it’s work that someone enjoys doing, it never feels like work. It feels like what they were put on this earth to do as a human being. It is what they were built for, designed for, and why they are here in the first place. They are finally living as opposed to just existing. There is a big difference and if anyone understands that, it is Bob Reina. He has lived a very full life as a former police officer and now the CEO of Talk Fusion for the past 11 years. He looks to many more years with this company.

He knows the company has a lot to offer to the public, and it can really transform people’s lives. It is a change for them. At first, change might be a little scary, but in the end, it is worth it. It is what makes the world a great place. If everything stayed the same and everyone was doing the same thing, the world would be quite a boring place to say the least.  Bob Reina wants the world to be an exciting place that is filled with choices for people and choices that are going to enrich people’s lives in new and fun ways.




Matt Badiali Champions the Ability to Over-deliver

Matt Badiali is the founder of Real Wealth Strategist, which operates under the Banyan Hill Publishing imprint, and today he is known as an expert on the nuances of investing. Mr. Badiali began his career with a very different trajectory in mind – until, 2004, when he was introduced by a friend to finance, he was a scientist. He holds degrees in earth science and geology, having attended Penn State University as an undergraduate, and Florida Atlantic University for postgraduate studies. Mr. Badiali combined his knowledge of geology with his training as an investor to provide sound investment tips to those seeking to gain a financial edge, and since creating his newsletter and advisory service, Real Wealth Strategist, has garnered a substantial audience.

Matt Badiali often falls back on his experiences traveling to places such as Papua New Guinea, Iraq, Hong Kong, Singapore, and Turkey, to bring his ideas to life, realizing the importance of connecting with his audience on an intimate level. He is an avid reader and is constantly feeding his mind with the latest information, checking various news outlets, such as The Wall Street Journal, Bloomberg, and The Mining Journal, in order to bring fresh ideas to his audience. In doing so, he often stumbles upon new trends, and one that has him really excited about the future is the current transition into a more electric-centric world. As electric cars become increasingly prominent, Mr. Badiali believes a shift will occur that will be truly disruptive to the oil and natural gas sectors. Although he feels that this will not occur for some time, being that we have not discovered a municipal scale battery, he believes that we are on the cusp of a new era, especially when considering the fact that combustion engines are predicated upon a technology that is 150 years old.

A strategy that has consistently helped him to grow his business is his ability to overdeliver. He often maintains this mindset when contributing to Banyan Hill Publishing’s free e-letter, which he writes for once a week, always attempting to include at least one useful idea for his prospective readership.

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