About Us

black nerd eyeglasses with tape on them

Your Behind the Scenes Tax Nerds

Delivering the tax and technical know-how to the retirement planning and advisory services of forward-thinking advisors.

HLS Retirement Consulting


Committed to providing forward-thinking financial advisors
with the support and resources they need to serve their clients with excellence.

Heather Schreiber and her family

We understand that it takes a certain level of expertise (and time!) to keep up with retirement planning rules and regulations. We pride ourselves in keeping up with the rules so you don’t have to. That is why we take a solutions-driven approach to every engagement. We harness our talents and expertise and provide a personalized team approach to provide you with advanced retirement strategies tailored to meet your clients’ unique needs.

At the core of our approach is a deep commitment to caring for every financial advisor and the people they serve.

We believe that retirement planning is not just about numbers and investments but about the people and families that depend on them. We strive to create a collaborative partnership with our clients, working together to build a better future for all those we serve.

Our values are simple: integrity, professionalism, and a genuine passion for helping others.

We are not just an informational resource for questions but a trusted partner that financial and tax professionals can rely on to deliver real results. At HLS Retirement Consulting, we are dedicated to helping you build a better tomorrow for your clients and their communities.

Heather Schreiber

Turning complex strategies into easy-to-understand terms for over 30 years.

Our founder, Heather Schreiber, RICP®, NSSA®, has over 30 years of experience in the financial services industry and has worked with some of the finest organizations in the country, including Franklin Templeton Group of Funds, AXA Advisors, SunTrust Bank (now Truist), and other financial powerhouses. Her dedication has now taken a new, exciting direction as she joins The American College of Financial Services' Knowledge Hub+ platform as an industry expert, contributing her deep insights into Social Security and retirement planning.

She has dedicated her career to developing expertise in a wide range of retirement-related topics. From estate planning and retirement income distribution strategies to charitable giving, multi-generational planning, tax mitigation techniques, and IRS reporting issues, her breadth of knowledge is unparalleled.

Heather Schreiber

Heather has a knack for simplifying complex ideas and uses her superpower to teach financial, tax, and legal professionals new strategies to help their clients move into retirement with greater confidence.

Heather volunteers on the Education committee for the National Association for Fixed Annuities and regularly participates in educational webinars and speaking events as part of NAFA's initiative to educate annuity salespeople, regulators, legislators, journalists, and industry personnel about the value of fixed annuities and their benefits to consumers. Heather is also on the Annuity Distribution Summit planning committee, where she received the NAFA Pillar Award in 2022 for Outstanding Contributions in Annuity Education.

Heather resides in Woodstock, Georgia, and is married to Eric. She is also the proud mom of two sons and two bonus daughters who help her balance out the family's testosterone. In her spare time, Heather relishes every moment with her family, spending time with lifelong friends, and communing with nature in every possible way.

Our Consultants

Jennifer Lollar

Jennifer Lollar

Jennifer has been a senior consultant with Advanced Underwriting Consultants (AUC) since 2014. Before joining AUC, Jennifer worked closely with business owners on their tax issues and estate planning documents.

Jennifer is a highly skilled consultant with expertise in social security, inherited account stretch rules, business continuation planning, and income tax management. Her passion for helping clients navigate tax and technical rules in an easy-to-understand way and her dedication to helping clients feel comfortable with complex planning ideas makes her a valuable asset to HLS Retirement Consulting.

Jennifer lives in Nashville, Tennessee, with her husband, young son, and two dogs. In her spare time, she enjoys exploring state and national parks with her family outdoors.

Linas Sudzius

Linas previously worked as the Director of Advanced Sales and Chief Marketing Officer for a Chicago-based insurance company. In 2014, he sold his estate planning law practice in Franklin, Tennessee, and joined Advanced Underwriting Consultants.

Over the years, Linus has become an expert in executive compensation planning, life insurance and its taxation, estate planning, and asset protection issues. He uses his vast knowledge and experience to help advisors broaden their understanding of the industry by breaking down complex tax issues into ideas that agents can use to serve their clients better.

Linas is a frequent presenter at life insurance industry events and the author of What Most Life Insurance Agents Won’t Tell You. In addition, Linus co-authored Sell Out: The Busy Entrepreneur’s Guide to Transferring a Closely-Held Business with Pat Stagner and Craig Ballentine and often writes for Think About It, a publication founded by the life insurance industry guru Steve Leimberg.

Linas lives in Franklin, Tennessee, with his wife, Cathy. In his spare time, he is a dedicated Rotarian, and he enjoys playing golf.

Linas Sudzius

Our Core Values


Committed to providing forward-thinking financial advisors
with the support and resources they need to serve their clients with excellence.

Collaboration-Icon

Collaboration

Partnership-Icon

Partnership

Impartiality-Icon

Impartiality

Integrity-Icon

Integrity

Transparency-Icon

Transparency

Our Mission

At HLS Retirement Consulting, our mission is to serve as a trusted partner to forward-thinking financial advisors, providing them with the support and resources they need to deliver exceptional retirement planning and advisory services to their clients.

We are committed to helping financial advisors navigate the complexities of retirement planning, ensuring they can meet their clients’ needs with confidence and clarity.

Retirement-Planning-Icon

We believe in a holistic approach to retirement planning that considers all aspects of a client’s financial situation, including income sources, tax implications, legacy planning, and risk management.

Strong-Relationships-Icon

We believe in fostering strong relationships with financial advisors built on mutual trust, respect, and collaboration.

Education-Icon

We believe in providing education and resources to financial advisors, empowering them to better assist their clients in making informed decisions in retirement.

What Our Clients Say...

Stay ahead of the curve with Social Security Advisor.

A companion resource to Ed Slott's IRA Newsletter, this is the go-to "all things Social Security" newsletter and reference tool for financial professionals. Providing practical applications to commonly asked and misunderstood claiming rules, Social Security Advisor is a must-have for any financial and tax professional who wants to add value to their financial and tax planning process.

Social Security Advisor newsletter cover