Optimizing Social Security — and Life Beyond It

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 theybuild 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 educatedthousands 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.https://www.seniorcareauthority.com/resources/boomers-today/