Michele Schuh

Business Development Manager for Aegis Financial

Michele shares what our top producers across the country have implemented using her methods in a unique consultative approach we call “Practice Made Perfect.” Michele brings more than 20 years of industry experience to our team at Aegis Financial. She’s sat where you are, in front of the client, providing in-depth retirement planning for her own clients. She has sat behind the desk where your assistant sits, planning marketing strategies, managing 5 offices, providing customer support and building loyalty amongst her community. She has been at the top of the sales ranks for two Fortune 500 companies both in the telecom and CRM software sectors. Now, as an exclusive partner with Aegis Financial, Michele will help you uncover potential and build confidence with your staff.

Heather Schreiber

Social Security & Tax Expert

Heather Schreiber, RICP®, founder of HLS Retirement Consulting, LLC, partners with financial, legal, and tax professionals to build holistic client solutions for retirement. Her goal is to help you build customized solutions for your clients by incorporating advanced planning strategies that meet your unique client needs in easy-to-understand and deliverable terms. With over 20 years in the financial services industry,

Heather’s areas of experience and expertise include:
• Retirement income planning/case design
•IRA distribution strategies, Social Security strategies and rules, and how to cater the claiming decision with the unique needs and goals of the client
• Tax mitigation techniques
• Qualified Plans, 403(b)s, 457(b)s, and TSPs
• Social Security planning
• Beneficiary distributions and considerations
• Charitable giving
• Gifting and wealth transfer planning
• Tax law reform
• IRS reporting
• The proper use of trusts
• Non-qualified annuities, structure and taxation
• Illustrative capabilities – Social Security, RMD, Stretch IRA, 72(t), Roth Conversion
• 72(t), RMD, Stretch IRA, Roth Conversions