Secure Your Retirement with Beyond Break Even: Learn How to Optimize Income, Reduce Taxes, and Protect Your Future.

Get practical strategies from Beyond Break Even, and book your complimentary 15-minute retirement strategy session today.

Grounded in Research. Proven by Results.

Retirement income planning isn’t just about numbers—it’s about making life-defining choices that protect your future. That’s why Russ Gaiser, CFP®, CSSCS® and Michael Hoeflich, MBA, CSSCS®, CLTC® co-authored the Amazon #1 Best Seller Beyond Break Even: The Essential Guide to Social Security Optimization.n

This nationally recognized book pulls back the curtain on the complexities of Social Security—over 3,000 rules and 500 possible claiming combinations—and exposes why the traditional “break-even” approach often leaves retirees vulnerable to running out of money, paying unnecessary taxes, or leaving a spouse financially unprotected.
In Beyond Break Even, Russ and Mike reveal:

  • Why conventional break-even analysis fails to protect your retirement.

  • How proper claiming strategies could increase your annual retirement spending by $20,000 or more.

  • Ways to reduce or eliminate taxes on Social Security benefits.

  • How to coordinate Social Security with other retirement assets to create lasting income security.

Through real client stories and decades of experience, Russ and Mike demonstrate how Social Security optimization can transform retirement outcomes.

Russ is a CERTIFIED FINANCIAL PLANNER™ professional and Certified in Social Security Claiming Strategies (CSSCS®) with a proven track record of helping retirees make smarter, more strategic decisions about their income. As co-founder of Retirement Income Headquarters of America, Russ has guided countless families to move beyond “break-even” thinking and build retirement strategies that truly work.

Mike Hoeflich is Certified in Social Security Claiming Strategies (CSSCS®), and Certified in Long Term Care (CLTC®), where he combines his passion for financial education with decades of diverse experience to help clients achieve lasting financial confidence. With a background spanning business management, education, and technology, Mike is dedicated to empowering individuals and families to make informed, strategic decisions that lead to true financial peace of mind.

Why Trust Us!

Reason One

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Reason Two

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Reason Three

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You Might Need Retirement
Income HQ for:

  • How to Optimize Social Security Benefits. 

  • Ways to reduce taxes in retirement.

  • Strategies to outpace inflation.

  • The “5 Step Fortified Retirement Income Plan."

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Don’t Just Take Our Word for It

"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

"The book provides an insightful overview of transitioning from years of hard work to a comfortable retirement. It emphasizes the importance of proper planning, while also highlighting the potential pitfalls of inadequate preparation and the far-reaching impact of financial decisions on one's future.!" - David Schueckler

"My life changed forever"

"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

"Highly recommend this"

"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

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Disclosure: Advisory Services offered through Independent Solutions Wealth Management, LLC, a Registered Investment Adviser. Securities are offered through Peak Brokerage Services, LLC. Independent Solutions Wealth Management, LLC and Retirement Income Headquarters of America are separate and independent entities from Peak Brokerage Services, LLC.

To view the firm’s Regulation Best Interest (“Reg BI”) disclosure and Customer Relationship Summary “Form CRS” please use the provided links.