Understanding the nuances of retirement accounts can be the difference between a secure financial future and unexpected pitfalls. Heather Schreiber, RICP®, NSSA®, in collaboration with Merit Financial Advisors, has crafted a three-part video series titled "Money on...
The American College of Financial Services is proud to announce the inclusion of Heather Schreiber, RICP®, NSSA®, a luminary in Social Security strategy and founder of HLS Retirement Consulting, as an industry expert for the newly unveiled Knowledge Hub+, a...
In the complex dance of retirement planning, deciding when to claim Social Security benefits is a pivotal step. It's a decision that can significantly impact the retirement income landscape. Financial guru Heather Schreiber, with her extensive 30-year tenure in the...
Medicare's annual open enrollment is pivotal for the nearly 65 million Americans enrolled in Medicare. Medicare's Open Enrollment Period (OEP), also known as the Annual Election Period, is a crucial annual occurrence for Medicare beneficiaries. This period is designed...
The Setting Every Community Up for Retirement Enhancement (SECURE) Act 2.0, approved at the end of 2022, brought about significant modifications to the retirement plan landscape. Among the most notable changes are those related to Required Minimum Distributions...
A significant announcement made by the Internal Revenue Service (IRS) on August 25, 2023, has brought relief to numerous high-income earners and plan sponsors. Per IRS Notice 2023-62, The IRS postponed implementing a rule requiring age 50 catch-up contributions made...
Navigating social security for retirement can feel like a maze, filled with questions and uncertainties. How do you approach applying? When should you take it? What do factors like age, sources of income, and spousal benefits mean to you? Fortunately, Heather...
The Social Security cost-of-living adjustments (COLAs) have been a hot topic in recent years, with beneficiaries experiencing some of the highest increases in four decades. As we look ahead to 2024, experts are predicting a more modest rise in monthly payments, with...
Retirement planning and preparedness is a critical aspect of financial stability, and Social Security benefits play a significant role in ensuring a comfortable retirement for many individuals. The cost-of-living adjustment (COLA) is a crucial factor that shapes the...
Social Security benefits play a crucial role in providing financial support to millions of retirees and disabled individuals in the United States. As a government program, Social Security offers a safety net to ensure a certain level of income during retirement; the...
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.
