Navigating the world of Medicare can feel like deciphering a complex code. However, understanding the initial enrollment period is crucial to ensure you get the coverage you need without incurring costly penalties or gaps in healthcare coverage. Let’s break down what you need to know. What is the Initial Enrollment

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’ monthly

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 of

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, or

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 RMDs,

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 to

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 benefits

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 to

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 from

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 9%

Heather Schreiber, the founder of HLS Retirement Consulting, recently appeared on “Jill on Money LIVE” to share her expertise on Social Security and other retirement income-related topics. In this engaging discussion, Heather provides valuable insights into creating a My Social Security account and how it can be a crucial tool

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 IRA

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 (RICP, NSSA, Founder of HLS Retirement Consulting).

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.

Heather Schreiber, the founder of HLS Retirement Consulting, recently appeared on “Jill on Money LIVE” to share her expertise on Social Security and other retirement income-related topics. In this engaging discussion, Heather provides valuable insights into creating a My Social Security account and how it can be a crucial tool

In a recent episode of the “Take Back Retirement” podcast, Heather Schreiber, the founder of HLS Retirement Consulting, shares her expertise on maximizing Social Security benefits, specifically tailored for women. As a renowned retirement consultant, Heather dives deep into the intricacies of Social Security, providing invaluable advice to help women

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 30

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 the

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 specific

As a higher-earning senior, you might be familiar with paying taxes on your Social Security benefits. However, there’s an additional cost that could catch you off guard – the Income-Related Monthly Adjustment Amount (IRMAA), a special surcharge on your Medicare premiums. Heather Schreiber, founder of HLS Retirement Consulting, provides valuable

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 of

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 of

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 Security

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 1981.

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 statements

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 Security

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 total

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 potential