Author Archives: William Stern

About William Stern

William, Managing Director in charge of business development and human capital, serves on the firm's executive steering committee. William's expertise in sales and organizational management has helped the firm exceed ambitious growth targets year after year. William is devoted to building infrastructure, eradicating inefficiencies, and developing new products and services that keep Cardiff a dynamic force within its markets. One of William's many initiatives has been to increase Cardiff's footprint across the US, penetrating new markets while building stronger relationships with current partners. Before joining Cardiff, William worked for TD Waterhouse as a Learning and Development Counselor for their burgeoning discount brokerage division. Following TDW, William held a key business development post in the Commercial Equipment Finance Division of a California-based leasing company helping to expand market share and annual sales through direct marketing to middle market companies seeking equipment financing and leasing. To learn more about capital markets, both foreign and domestic, William moved to the San Francisco Bay Area to pursue a career with Fisher Investments (FI) as an Investment Counselor in their Private Client Group. William received two degrees of Bachelor of Arts in Castillian Spanish Literature and Political Science from Revelle College at the University of California, San Diego.

Google’s My Business: Revolutionizing B2C Interaction

Earlier this month, we wrote here ( about the growing popularity of business review websites looking to compete with the Better Business Bureau, consumers’ traditional go to source for business ratings.

The piece discusses how the internet limits businesses’ reliance on the BBB to mediate customer disputes. Social media outlets including Facebook, Twitter, Foursquare, Angie’s List and Yelp all provide consumers with a platform to voice feedback, positive or otherwise, making any and all voices heard. Due to the popularity of these platforms, search engines may rank their reviews higher than those posted to the BBB profile of a given business. Business owners and consumers prefer these websites for a few key reasons:  they are optimized for mobile phones, their formats encourage positive feedback, and users can post photos while networking with one another.
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Economy Rebounding as Fed Trims Bond Purchases

In its latest meeting, the Federal Reserve noted improvements in both U.S. economic strength and broad labor market while inflation remains in check. The current environment allows the Fed to reduce its monthly pace of asset purchases while maintaining low rates–good signs for the corporate titans of Wall Street and the average Joes of Main Street.
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Manufacturing Data Indicate Growing Strength of U.S. Economy

Upbeat manufacturing data should let business owners start their week bright-eyed and cheery without the usual caffeine. After a slow start to 2014, with GDP growth estimates near a 1% annual rate, current U.S. manufacturing data indicate the economy is getting back on its feet.
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ARMs to Benefit from Loose Monetary Policy

Headlines are telling us the economic impact of single family housing is subdued because first time home buyers are scarce. Perhaps the pool of single professionals, newlyweds and young families is too focused on fixed rate mortgages. Adjustable rate mortgage products knows as ARMs may be discounted by their baby boomer parents as too risky. But today’s move by the European Central Bank (ECB) to cut rates by -0.10 may indicate that stateside interest rates may not increase for the foreseeable future. The deflation risk affecting central bank policy around the developed world should make an ARM a good choice for first time buyers with plans to move up in coming years.
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Business Owners Tap New Source for Financing – Daily Payment Loans

Millions of small business owners remain left out in the cold by the same banks that keep their deposits. The survivors of the financial crisis need funds to grow in an improving economic climate, but they face a dilemma of how to fund this growth. A cottage industry offering daily payment loans is maturing inside the wide gap created when the market for bank credit lines and high limit credit cards disappeared.
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Better Business Bureau – a friend for a fee


Every American child has been threatened with the boogeyman or an empty-handed Santa Clause to prevent bad behavior. Small business owners live under the threat of the Better Business Bureau’s (BBB) wrath should they misbehave. Should you, the small business owner, believe in the BBB boogeyman?  The simple answer is “it’s complicated.”
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