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#1 AMAZON BEST SELLER

BEYOND BREAK EVEN

THE ESSENTIAL GUIDE TO SOCIAL SECURITY OPTIMIZATION

We help people develop retirement income plans by taking their Social Security beyond break even.

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#1 AMAZON BEST SELLER

BEYOND BREAK EVEN

THE ESSENTIAL GUIDE TO SOCIAL
SECURITY OPTIMIZATION

Rethink everything you know about Social Security and retirement income planning. In this groundbreaking guide, certified experts Russ Gaiser and Mike Hoeflich reveal why conventional wisdom falls short and how their Social Security Fortification Strategy can transform your golden years.

Learn to combat the triple threat of longevity, taxes, and inflation while optimizing your benefits. Discover how to make Social Security the cornerstone of a robust retirement plan, potentially increasing your wealth and securing your legacy. Don’t leave your future to chance – arm yourself  with the knowledge to make informed decisions and achieve the retirement you’ve always dreamed of.

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Discover our five step process to fortify your retirement income plan and achieve piece of mind in your golden years.

Discover the strategy to optimizing your wealth and TRANSFORM your retirement plan to achieve piece of mind in your golden years.

RUSS GAISER

CFP®, CSSCS®, MBA, is a fully licensed CERTIFIED FINANCIAL PLANNER™ professional, and also holds the Certified in Social Security Claiming Strategies® designation. He is a passionate Retirement Income Planning Specialist, Co-Founder of the Retirement Income Headquarters of America, and wealth manager with The Financial Guys™. With his expertise in Social Security Optimization, tax-efficient retirement income strategies, and wealth management, Russ helps clients fortify their retirement plans to secure their financial futures. His enthusiasm for educating others and dedication to personalized financial solutions have made him a trusted advisor for those navigating the complex transition from wealth accumulation to distribution, as well as a trusted financial voice as he is a frequent contributor to any major financial publications. Russ’s mission is to empower clients to make informed decisions that lead to peace of mind, increased wealth, and freedom throughout retirement.

RUSS GAISER

CFP®, CSSCS®, MBA, is a fully licensed CERTIFIED FINANCIAL PLANNER™ professional, and also holds the Certified in Social Security Claiming Strategies® designation. He is a passionate Retirement Income Planning Specialist, Co-Founder of the Retirement Income Headquarters of America, and wealth manager with The Financial Guys™. With his expertise in Social Security Optimization, tax-efficient retirement income strategies, and wealth management, Russ helps clients fortify their retirement plans to secure their financial futures. His enthusiasm for educating others and dedication to personalized financial solutions have made him a trusted advisor for those navigating the complex transition from wealth accumulation to distribution, as well as a trusted financial voice as he is a frequent contributor to any major financial publications. Russ’s mission is to empower clients to make informed decisions that lead to peace of mind, increased wealth, and freedom throughout retirement.

MIKE HOEFLICH

MBA, M.Ed, CSSCS®, CLTC® is a fully licensed financial planner and holds the Certified in Social Security Claiming Strategies® designation, along with the Certified in Long Term Care® designation. He is a Retirement Income Planning Specialist with a teacher’s heart, and Co-Founder of the Retirement Income Headquarters of America, as well as Senior VP of Wealth Management at The Financial Guys®. Mike has coached hundreds of individuals and couples through the intricacies of retirement income and Social Security optimization. His approach combines in-depth knowledge with clear, articulate guidance, empowering clients to make educated decisions about their financial futures. Mike’s dedication to helping others achieve their retirement dreams drives his work in transforming complex financial concepts into actionable strategies.

MIKE HOEFLICH

MBA, M.Ed, CSSCS®, CLTC® is a fully licensed financial planner and holds the Certified in Social Security Claiming Strategies® designation, along with the Certified in Long Term Care® designation. He is a Retirement Income Planning Specialist with a teacher’s heart, and Co-Founder of the Retirement Income Headquarters of America, as well as Senior VP of Wealth Management at The Financial Guys®. Mike has coached hundreds of individuals and couples through the intricacies of retirement income and Social Security optimization. His approach combines in-depth knowledge with clear, articulate guidance, empowering clients to make educated decisions about their financial futures. Mike’s dedication to helping others achieve their retirement dreams drives his work in transforming complex financial concepts into actionable strategies.

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"The nuances with married couples and the intertwining of those decisions looking down the road, not just for next 5-10 years, but longer term, so you get the most benefits holistically as a couple, I thought, really struck home in the book"
Joseph Gugino
Retired Senior Manager
"I just love this book! I liked that it's easy to understand and gives clear, real-life examples. Anyone my age would benefit from this as they plan for retirement"
Mary Rozler
Retired Medical Receptionist
"I would describe the book as a trailer to a movie and the movie is how to successfully transition from years of hard work into a comfortable lifestyle in retirement. It touches upon the pros of proper planning and pitfalls of poor planning. It really highlights the vast scope of decisions that will affect the rest of your life!"
David Schueckler
Retired Toy Store Owner
"I like the way that each section is broken down. Important information is restated throughout the chapters and each step is linked to the next, especially relating to the Five Pillars of Social Security Optimization."
Cynthia Mead
Retired Licensed Veterinary Technician

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