Our Team
At Retirement Income HQ, We’ve Got Your Back
At Retirement Income HQ, we believe that the right financial guidance can transform lives. With over a decade of experience, our diverse backgrounds and shared passion converge to create a bedrock of expertise and trust.
We help you get both TO and THROUGH a successful retirement!
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®)
Michael Hoeflich, MBA, CSSCS®, CLTC®
Co-Founder/Retirement Income Planner, Professional & Certified in Social Security Claiming Strategies (CSSCS®), Certification for Long Term Care®
A dedicated Sr. VP of Wealth Management at The Financial Guys, LLC in Williamsville, Michael “Mike” Hoeflich combines his unwavering passion for financial education and Sr. VP of Wealth Management to guide clients towards their financial aspirations. His philosophy rests on education and a thorough, considerate approach, ensuring clients not only achieve financial security but also gain peace of mind.
Born and raised in Lancaster, New York, Mike’s academic journey led him to Canisius College where he acquired a B.S. in Management Information Systems. Later, his pursuits for knowledge took him to an M.B.A while working with National Fuel in Buffalo. His varied experiences range from specializing in software programming, system analysis, and maintenance of software applications, to Human Resources and Trust Plans Administration.
Mike’s professional journey further expanded into Small Business as a Vice President at a growing Telecommunications firm. With a love for education, he earned a Master of Science degree in both Elementary and Business Education and devoted twelve years to the Iroquois Central School District as a teacher.
Off the professional grid, Mike’s heart resides in Elma, New York, with his wife, Lisa, and two beautiful daughters, Michaela and Madison. He and his family love to travel and Mike never misses a chance to indulge in a round of golf.
From the surgical suites of the Air Force Medical Service, and the boardrooms of major healthcare organizations, to the private offices of financial planning, Russ has cultivated a diverse professional portfolio. His passion for personal finance blossomed during his business school tenure, prompting a significant transition from healthcare to the intricate world of retirement income planning and wealth management. With 15 years in the healthcare sector, notably a 9-year stint at Wilford Hall Ambulatory Surgical Center, Russ’s journey is a testament to the adaptability of skills and the pursuit of passion.
After serving roles from Surgical Technologist to Clinical Operations Manager and later, a pivotal role within the Roswell Park Care Network, Russ returned to Western New York in 2016. As a CERTIFIED FINANCIAL PLANNER™ and Certified Social Security Claiming Strategist, he offers a nuanced understanding of the multifaceted landscape of retirement planning. Russ’s credentials don’t stop there – as a Dave Ramsey trained Master Financial Coach, he empowers clients to overcome debt, save judiciously, and build lasting wealth.
Beyond his professional commitments, Russ finds joy in the simple pleasures of life. Based in Pendleton with his beloved family, he enjoys spending time with friends, trying new restaurants, reading, traveling, and rooting for the Bills and Sabres.
Russ Gaiser III, MBA, CFP®, CSSCS®
Co-Founder/Retirement Income Planner, Certified Financial Planner™ (CFP) & Certified in Social Security Claiming Strategies (CSSCS®)
Russ Gaiser III, MBA, CFP®, CSSCS®
Co-Founder/Retirement Income Planner, Certified Financial Planner™ (CFP) & Certified in Social Security Claiming Strategies (CSSCS®)
From the surgical suites of the Air Force Medical Service, and the boardrooms of major healthcare organizations, to the private offices of financial planning, Russ has cultivated a diverse professional portfolio. His passion for personal finance blossomed during his business school tenure, prompting a significant transition from healthcare to the intricate world of retirement income planning and wealth management. With 15 years in the healthcare sector, notably a 9-year stint at Wilford Hall Ambulatory Surgical Center, Russ’s journey is a testament to the adaptability of skills and the pursuit of passion.
After serving roles from Surgical Technologist to Clinical Operations Manager and later, a pivotal role within the Roswell Park Care Network, Russ returned to Western New York in 2016. As a CERTIFIED FINANCIAL PLANNER™ and Certified Social Security Claiming Strategist, he offers a nuanced understanding of the multifaceted landscape of retirement planning. Russ’s credentials don’t stop there – as a Dave Ramsey trained Master Financial Coach, he empowers clients to overcome debt, save judiciously, and build lasting wealth.
Beyond his professional commitments, Russ finds joy in the simple pleasures of life. Based in Pendleton with his beloved family, he enjoys spending time with friends, trying new restaurants, reading, traveling, and rooting for the Bills and Sabres.
Our Clients Say It Best
Check out how our specialist knowledge and proactive approach has helped our clients.
Proactive Retirement Planning Makes Us Smile
Retirement marks a well-earned chapter in life, and we’re here to ensure you embrace it with confidence.
Our flexible plans adapt to life’s twists so you’ll quickly find secure footing.
We are dedicated to helping you achieve a calm, happy retirement.
Ready to take the next step?
Secure your tomorrow, today!
Why leave retirement to chance?
With Retirement Income HQ, you can turn uncertainties into a clear roadmap. Your ideal retirement is just one consultation away.
