Russ Gaiser and Mike Hoeflich help couples transform Social Security from a risky guess into a strategic asset. They co-authored the #1 bestseller Beyond Break Even: The Essential Guide to Social Security Optimization and lead Retirement Income HQ of America, where they
build math-backed income plans that coordinate benefits, taxes, and portfolios.
Together, they teach national workshops and consult one-to-one, focusing on survivor protection, tax efficiency, and sequencing risk in retirement. Russ brings an MBA, the CFP® mark, and CSSCS expertise. Mike holds an MBA, the CSSCS and CLTC credentials, and has educated
thousands through workshops and radio. Their approach is simple and rigorous: lower the lifetime cost of retirement, safeguard the widow or widower, and turn anxiety into clarity.
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