Welcome to
The Retirement Income HQ

Where your stress-free, optimized retirement income plan awaits.

As Seen On

You Might Need Retirement Income HQ If You:

Retirement is more than just hanging up your work boots—it’s about living a fulfilling life post-employment.

How resilient is your income plan against unforeseen challenges? 

Our specialists’ knowledge as Social Security claiming strategists, coupled with our proprietary software and unique 5 step process, can help you determine how much of your wealth will be needed BEFORE you retire.  You get one shot at developing a Fortified Retirement Income Plan—don’t leave your future to chance!

Our 5 Step Process To Your Fortified Retirement Flightplan

DISCOVER

DIAGNOSE

DEVELOP

DELIVER

DEDICATE

DISCOVER

This is where your journey begins. In this phase, we dive deep into understanding your goals, aspirations, family dynamics, and all the financial nuances that come with them. It’s a collaborative process, and we prioritize truly getting to know your unique situation.

This is where your journey begins. In this phase, we dive deep into understanding your goals, aspirations, family dynamics, and all the financial nuances that come with them. It’s a collaborative process, and we prioritize truly getting to know your unique situation.

DIAGNOSE

Upon gaining clarity from the Discover phase, we move onto Diagnosing. Here, we take a close look at your current financial landscape. Our experts meticulously analyze your standing, pinpointing opportunities and areas for growth and enhancement.

Upon gaining clarity from the Discover phase, we move onto Diagnosing. Here, we take a close look at your current financial landscape. Our experts meticulously analyze your standing, pinpointing opportunities and areas for growth and enhancement.

DEVELOP

With a clear diagnosis in hand, we craft a financial blueprint tailored just for you. The Develop phase is where your aspirations are transformed into actionable strategies, ensuring your retirement goals are always within reach.

With a clear diagnosis in hand, we craft a financial blueprint tailored just for you. The Develop phase is where your aspirations are transformed into actionable strategies, ensuring your retirement goals are always within reach.

DELIVER

It’s time to bring your tailored plan to life. In the Deliver phase, we provide all the guidance, tools, and support needed to set your strategy in motion. And to keep things transparent, we introduce you to your client portal, allowing you to oversee every step of your financial journey.

It’s time to bring your tailored plan to life. In the Deliver phase, we provide all the guidance, tools, and support needed to set your strategy in motion. And to keep things transparent, we introduce you to your client portal, allowing you to oversee every step of your financial journey.

DEDICATE

Our journey together doesn’t end after delivery. We Dedicate ourselves to your long-term success. Regular check-ins, continuous monitoring, and adaptive refinements are a given, ensuring your plan evolves alongside your changing goals and life situations.

Our journey together doesn’t end after delivery. We Dedicate ourselves to your long-term success. Regular check-ins, continuous monitoring, and adaptive refinements are a given, ensuring your plan evolves alongside your changing goals and life situations.

Our commitment is unwavering, and we're here with you every step of the way. With Retirement Income HQ by your side, every step is intentional.

How We Can Help

  • RETIREMENT INCOME PLANNING

    Your golden years should be filled with experiences, not anxiety. We ensure you have a roadmap through it all so you can navigate your retirement with confidence.

  • SOCIAL SECURITY OPTIMIZATION

    Optimize what you’ve worked for. We assist you in making informed decisions on when and how to claim Social Security benefits so you get the most out of them.

  • TAX PLANNING

    Your hard-earned money shouldn’t be eroded by unnecessary taxes. With our proactive tax planning strategies we aim to minimize your tax burden while ensuring full compliance.

  • INVESTMENT MANAGEMENT

    We believe in investing with purpose with a goal of long-term stability and growth. Our investment strategies ensure your portfolio is diversified and aligned with your risk tolerance and retirement goals.

  • ESTATE & LEGACY PLANNING

    It’s more than just passing on assets, it’s about leaving a lasting mark. We’ll help you design a plan so you can sleep soundly knowing your legacy will be handed down exactly as you envision.

Meet Your Retirement Income Team

Michael Hoeflich, MBA, CSSCS®, CLTC®

Co-Founder/Retirement Income Planner, Professional & Certified in Social Security Claiming Strategies (CSSCS®), Certification for Long Term Care®

Russ Gaiser III, MBA, CFP®, CSSCS®

Co-Founder/Retirement Income Planner, Certified Financial Planner™ (CFP) & Certified in Social Security Claiming Strategies (CSSCS®)

Benefits of Partnering With Retirement Income HQ

Work with Retirement Income Planning Specialists;

Feel Confident in your plan BEFORE you retire and claim Social Security benefits at the correct time for you, through the use of our proprietary Social Security Optimization Software and 5 Step Process;

Understand the true cost of your retirement and the most cost effective way of achieving your income goals;

Maintain clarity of your plan and investments through our sophisticated Financial Planning Software and client portal;

Achieve tax efficiency as a result of proper planning;

Protect your surviving spouse through maximization of survivor benefits;

Maximize discretionary spending and legacy without worry of running out of money.

Our comprehensive retirement planning combined with our investment management expertise means you can:

You deserve a retirement free from worry and full of purpose. Let us help you get there!

All without getting overwhelmed or sidetracked. 

Testimonials

Resources

Want to know more about Retirement Income HQ?
YOUTUBE MEDIA

Official YouTube Channel

View our latest information videos and podcasts to learn more about Social Security, the nuances of the program, and other tidbits of financial planning knowledge

Read More »
FACEBOOK MEDIA

Official Facebook Page

View our latest information content and posts from the financial planning firm that provides goal based, tax efficient, and fortified retirement income planning solutions. Facebook

Read More »
X MEDIA

Official X Page

View our latest posts to learn more about Social Security, the nuances of the program, and other tidbits of financial planning knowledge as you begin

Read More »

Connect with us on social

Or attend one of our Complimentary retirement workshops:

| Making The Most of Social Security |

| Women and Social Security |

Watch our latest educational videos:

Why Leave Retirement to Chance?

 Let us Stress Test Your Current Retirement Income Plan BEFORE you Retire