Are clients making Social Security decisions based on fear instead of a coordinated retirement income plan?
Social Security is one of the most important retirement income levers, but Heather explains why it should not be treated as a simple break-even math problem.
Heather is a nationally recognized expert in Social Security and retirement income planning with more than three decades of experience in the financial services industry. On a mission to empower and educate both consumers and the advisors who serve them, she combines the precision of a strategist with the heart of a storyteller. Whether simplifying complex IRS regulations, demystifying Medicare, or turning Social Security’s rules into client-ready strategies, Heather delivers actionable insight with a pulse on policy and a passion for people.
As Founder and President of HLS Retirement Consulting, she partners with forward-thinking advisors nationwide to design strategy-based solutions that help clients grow, protect, and preserve their retirement income. She also serves as Editor-in-Chief of Heather Schreiber’s Social Security Advisor, a nationally distributed monthly newsletter focused on turning complex Social Security rules into strategy-driven, value-creating solutions that help advisors strengthen relationships, retain clients, and drive growth.
Off the clock, Heather is a hiker, humorist, and proud matriarch of a family of six (plus four furry sidekicks). Having recently joined the ranks of America’s 63 million family caregivers, she shares her own caregiving journey through her writing, offering empathy, perspective, and hard-won lessons to others walking a similar path. Her signature blend of technical expertise, human connection, and a touch of sass makes her a trusted voice for advisors guiding clients through life’s most important financial transitions.
Click here to sign up for the Retirement Strategy Report, Heather’s free monthly newsletter for financial professionals.
As Founder and President of HLS Retirement Consulting, she partners with forward-thinking advisors nationwide to design strategy-based solutions that help clients grow, protect, and preserve their retirement income. She also serves as Editor-in-Chief of Heather Schreiber’s Social Security Advisor, a nationally distributed monthly newsletter focused on turning complex Social Security rules into strategy-driven, value-creating solutions that help advisors strengthen relationships, retain clients, and drive growth.
Off the clock, Heather is a hiker, humorist, and proud matriarch of a family of six (plus four furry sidekicks). Having recently joined the ranks of America’s 63 million family caregivers, she shares her own caregiving journey through her writing, offering empathy, perspective, and hard-won lessons to others walking a similar path. Her signature blend of technical expertise, human connection, and a touch of sass makes her a trusted voice for advisors guiding clients through life’s most important financial transitions.
Click here to sign up for the Retirement Strategy Report, Heather’s free monthly newsletter for financial professionals.
Latest posts by Heather Schreiber, RICP®, NSSA®, IRMAACP™ (see all)
- The Savings Game: Social Security regulations are complex - July 23, 2026
- What Is IRMAA and How Can You Avoid Paying More for Medicare? - July 13, 2026
- Why Social Security Should Be Part of a Holistic Retirement Income Plan - July 12, 2026
