BERNADETTE C. BROUGHTON & ASSOCIATES

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Watch a quick video to learn about our "Rock Solid Retirement Income Strategy".

Peace of mind that comes with retirement income that's guaranteed to last as long as you do!

About Us

Bernadette C. Broughton MS, LIA ,| Living Benefits & Income Specialist

Bernadette C. Broughton and her team of compassionate professionals has a mission to prepare you to have enough money to last as long as you live, to ensure you can maintain your chosen lifestyle and create a plan to provide for the people you love when you are no longer here. “Empowering Individuals and Families to Plan, Enrich & Protect Their World" is always her goal.

Bernadette is a New Orleans native who also spent time in California. Her alma mater is the University of Massachusetts, Dartmouth, where she studied Political Science and developed her appreciation for the plight of women through historical research. She is a Professional Insurance Advisor who has a passion for working with women across the country. She has assisted numerous singles, divorcees, married women and widows through difficult life transitions and is driven to do more to see her clients thrive financially.

Bernadette currently resides in Harker Heights, Texas, where she is the Principal of Bernadette C. Broughton & Associates. She offers free workshops at Central Texas College and the Harker Heights Chamber of Commerce, assisting Seniors with Medicare education and enrollment. Bernadette is also a Contributor to Healthcare.Gov. and she holds an NPN, license #3182471.

When Bernadette is not working, she is out enjoying life. Whether mountain biking, horseback riding, or spending time with family, she loves her life and brings joy to others.

schedule a time to meet with Bernadette

Heather Schreiber
Founder of HLS Retirement Consulting, LLC

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.

Learn more about heather & her areas of expertise

Our Services
What We Do For Clients

Asset Protection

Retirement doesn’t mean that it’s time to stop growing. Same holds true for your money. It should mean, however, that it’s time to stop taking unnecessary risk.

We specialize in helping retirees protect their retirement assets while continuing to move forward.

Family Legacy Planning

Many of our clients want to leave a legacy for their children and grandchildren and are shocked to learn how easy it is to double, even triple their inheritance – TAX-FREE AND GUARANTEED!

We also work with our clients and help them embrace their own mortality and be prepared for the loss of a spouse and the income burdens this can often create.

Extended Care Solutions

Long-term care/extended care costs have gone up substantially in the last 10 years. Unfortunately, the statistics are not in our favor, a plan to address these costs should be included in every retirement strategy.

The good news is we work with hybrid insurance plans that leverage your dollar in case you need it for extended care, but remain 100% accessible for withdrawal if you don’t.

Retirement Income

Creating an income plan to last throughout retirement is perhaps the single most important challenge retirees will face. It’s very likely to spend 30 years or more living in retirement without earned income.

We create a customized retirement income plan, encompassing all sources of income, for each one of our clients and no two plans are exactly alike. Let us get to work on a plan for you.

how can we help you?

“Empowering Individuals and Families to Plan,
Enrich & Protect Their World"

Sequence Of Returns

Understand why the ups and downs of the stock market can have such devastating affects on your retirement IF you’re drawing income.

Are You A Woman Planning To Start A New Business? Plan Your EXIT First.

“Even if you think you’ll work in your business forever, you still need to create your “just in case” exit blueprint.” Bernadette Broughton
Well-known author and educator Stephen Covey wrote that all things are created twice-first in the mind and later in the real world. Covey’s famous quote, “Begin with the end in mind,” is based on this idea... Click Here to continue reading!