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Articles
Learn more about navigating through the nitty-gritty of Retirement and Social Security.
Social Security Cost-of-Living Adjustment for 2024: The Numbers Are In!
The Social Security Administration (SSA) has announced a 3.2% cost-of-living adjustment (COLA) for Social Security and Supplemental Security Income (SSI) beneficiaries in 2024. This increase aims to help retirees and disabled individuals keep pace with inflation. While the adjustment is lower than in previous years, it still boosts recipients’
Heather Schreiber Aligns with The American College of Financial Services for Knowledge Hub+ Initiative
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 transformative learning platform aggregating pivotal insights from a cadre
The Importance of the Medicare Open Enrollment Period
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 for all individuals enrolled in Medicare to reassess, modify, add,
Navigating the SECURE 2.0 Act’s Required Minimum Distribution (RMD) Changes
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 (RMDs). Understanding these new rules, particularly the “correction window” for missed
IRS Delays Mandatory Roth Catch-Up Contribution Rule for High Earners Until 2026
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 by individuals earning over $145,000 in the prior year
2024 Social Security Cost-of-Living Predictions and 10 Steps Toward Retirement Preparedness
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 purchasing power of Social Security recipients. The COLA for Social Security
Navigating the Earnings Test: Understand the Relationship between an Early Social Security Claim and Work
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 average retiree should anticipate the monthly benefits
Securing a Comfortable Retirement: The Impact of Professional Financial Advice on Women
Why Women May Welcome Advice from Financial Pros The end of April brought dire news from Money magazine: Americans’ confidence that they’ll have a comfortable retirement is “plunging,” the headline announced. In the past year, the percentage of workers expecting their savings to last after they stop working fell
Retirement Relocation: Weighing the Pros and Cons of Moving in Your Golden Years
For Retirees, New Place Like Home? Many online articles list the best places to live in retirement. Often, financial issues are key determining factors. For example, the most recent retirement rankings methodology from U.S. News & World Report gives 40% weight to housing affordability and retiree taxes. Plus, another
Videos
Find Heather on YouTube to get your questions answered and grow your knowledge base when it comes to advanced financial planning.
Navigating IRA Rollovers and Transfers: A Three-Part Video Series with Heather Schreiber
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 Move” to guide you through the complexities of retirement plan and
National Expert on The Social Security Break-Even Point
Heather Schreiber (NSSA®) is a social security expert, and in this short clip with Brad Pistole, she touches on the often talked about “break even point” in regards to choosing what age to trigger social security benefits at.
Brad Pistole Interviews Social Security Expert Heather Schreiber
Brad Pistole interviews Social Security Expert, Heather Schreiber (RICP, NSSA, Founder of HLS Retirement Consulting).
Social Security – Uncovering Opportunities with Heather Schreiber
This clip is an excerpt of a one-hour professional development CE program produced by the Int’l Retirement Resource Center called Uncovering Opportunities to Enhance Your Clients’ Retirement Income. If you are interested in having Heather speak at your next event please visit our Speaking page to learn how.
Podcasts
Get great advice on the go with conversations between your favorite tax nerd and forward thinkers.
Unraveling Social Security Strategies with Heather Schreiber: Your Roadmap to Retirement Security
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 Schreiber, a Retirement Income Certified Professional with over
Social Security Spousal Benefit in Retirement
In this Episode of the Secure Your Retirement Podcast, Radon and Murs speak with Heather Schreiber about social security spousal benefits and how it works. Listen in to learn how spousal income works for couples with wide disparities in income benefits. You will get the full picture of how
Heather Schreiber: Social Security Hacks & Insider Secrets
When it comes to knowing the ins and outs of Social Security, Heather Schreiber is in a league of her own. She is the go-to source for the financial services industry to train advisors on the fiduciary approach to advising clients on how to maximize Social Security for each
Featured In
See articles that Heather has been featured in.
Heather Schreiber Aligns with The American College of Financial Services for Knowledge Hub+ Initiative
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 transformative learning platform aggregating pivotal insights from a cadre
Heather Schreiber in AARP: Mastering the Social Security Early Claiming Decision
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 financial services realm, offers her expertise into the intricacies
Heather Schreiber Weighs in on Social Security COLA 2024 in AARP Article
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 the inflation gauge used by the Social
The Impact of the 8.7% Social Security Increase
In a recent article published by Retirement Daily, Heather Schreiber, founder of HLS Retirement Consulting, provided expert commentary on the major 8.7% increase in Social Security and Supplemental Security Income benefits for 2023. This adjustment, affecting approximately 70 million Americans, marks the largest Cost of Living Adjustment (COLA) since
Unlock the Secrets of Your Social Security Benefits Statement
Heather Schreiber, founder of HLS Retirement Consulting, recently shared her expert insights with USA Today about understanding Social Security benefits statements. While these statements appear straightforward, indicating an estimated monthly retirement benefit that varies based on the collection age, that they also contain easily overlooked or misinterpreted items. The
Will Social Security Be There for Women?
In a recent interview featured on Insurance NewsNet, Heather Schreiber, founder of HLS Retirement Consulting, underscored the increasing reliance of women on Social Security benefits and the necessity for financial education catered to their unique needs. Drawing from statistics, she pointed out that around half of the female Social
How Delaying Social Security Can Pocket You an Extra $179,057!
In a recent feature in Investor’s Business Daily, Heather Schreiber, founder of HLS Retirement Consulting, provided valuable insights into the challenging decision of when to start collecting Social Security benefits. She highlighted how delaying the start of these benefits could lead to significantly larger payouts, potentially increasing an individual’s
Born in 1960? Your Social Security Might Be at Stake!
In an insightful webinar titled “Social Security Insecurity: A New Consideration in Retirement Planning,” hosted by the American College of Financial Services, Heather Schreiber, President and Founder of HLS Retirement Consulting, together with other retirement experts discussed the potential impact of COVID-19 on Social Security. The experts highlighted the
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.