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PODCAST

Optimize Your Retirement

Daniel Razvi & Imran Razvi

Hosted by Tax Attorney Daniel Razvi & Imran "Raz" Razvi. The father and son team has a passion for guiding people toward financial freedom by helping individuals understand and reduce the three biggest retirement killers: risk, fees & taxes. Daniel and Imran are the founders of Higher Ground Financial Group. HGFG aims to provide clients with only the highest quality information, services, and products to help them reach their financial goals. Schedule your FREE video call with Daniel & Raz at

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All Episodes

00:14:31

How to Protect Your Retirement from Market Volatility

Optimize Your Retirement ·

2025/05/09

In this episode of Optimize Your Retirement, Daniel and Raz from Higher Ground Financial Group explain how retirees and pre-retirees can safeguard their income plans in a volatile market. Discover why a 3–4% withdrawal strategy may not work anymore, how to truly calculate your retirement income needs, and why annuity "bonuses" might not be what they seem. Plus: actionable tips for minimizing taxes and fees. Schedule your free personalized call at

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00:14:42

How to Give More to Charity & Less to the IRS

Optimize Your Retirement ·

2025/05/02

If you're already donating to charity, why not get the maximum tax benefits? Daniel and Raz discuss strategic ways to give—like donor-advised funds, QCDs, and charitable trusts—so you can give more while keeping more of your money. Book a Free Meeting with Daniel and Raz For More Information: Higher Ground Financial Group Contact Us at 1-888-263-4434 (888-263-HGFG) -- About the Show & Hosts:Hosted by Tax Attorney Daniel Razvi & Imran "Raz"

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00:14:42

How to Give More to Charity & Less to the IRS

Optimize Your Retirement ·

2025/05/02

If you're already donating to charity, why not get the maximum tax benefits? Daniel and Raz discuss strategic ways to give—like donor-advised funds, QCDs, and charitable trusts—so you can give more while keeping more of your money. Book a Free Meeting with Daniel and Raz For More Information: Higher Ground Financial Group Contact Us at 1-888-263-4434 (888-263-HGFG) -- About the Show & Hosts:Hosted by Tax Attorney Daniel Razvi & Imran "Raz"

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00:14:25

Can You Afford a Market Crash in Retirement? Here’s...

Optimize Your Retirement ·

2025/04/25

Market downturns can devastate your retirement if they happen at the wrong time. Daniel and Raz discuss the "sequence of returns risk" and how you can shield your savings, ensuring your retirement income remains stable no matter what the market does. Book a Free Meeting with Daniel and Raz For More Information: Higher Ground Financial Group Contact Us at 1-888-263-4434 (888-263-HGFG) -- About the Show & Hosts:Hosted by Tax Attorney Daniel Razvi

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00:14:25

Can You Afford a Market Crash in Retirement? Here’s...

Optimize Your Retirement ·

2025/04/25

Market downturns can devastate your retirement if they happen at the wrong time. Daniel and Raz discuss the "sequence of returns risk" and how you can shield your savings, ensuring your retirement income remains stable no matter what the market does. Book a Free Meeting with Daniel and Raz For More Information: Higher Ground Financial Group Contact Us at 1-888-263-4434 (888-263-HGFG) -- About the Show & Hosts:Hosted by Tax Attorney Daniel Razvi

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00:14:38

Are Annuities a Smart Retirement Strategy or a Bad...

Optimize Your Retirement ·

2025/04/18

You’ve heard conflicting opinions—some say annuities are the best way to guarantee income, while others say they’re a ripoff. So what’s the truth? Daniel and Raz break it all down, explaining when an annuity makes sense and how to avoid costly mistakes. Book a Free Meeting with Daniel and Raz For More Information: Higher Ground Financial Group Contact Us at 1-888-263-4434 (888-263-HGFG) -- About the Show & Hosts:Hosted by Tax Attorney Daniel Razvi

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00:14:38

Are Annuities a Smart Retirement Strategy or a Bad...

Optimize Your Retirement ·

2025/04/18

You’ve heard conflicting opinions—some say annuities are the best way to guarantee income, while others say they’re a ripoff. So what’s the truth? Daniel and Raz break it all down, explaining when an annuity makes sense and how to avoid costly mistakes. Book a Free Meeting with Daniel and Raz For More Information: Higher Ground Financial Group Contact Us at 1-888-263-4434 (888-263-HGFG) -- About the Show & Hosts:Hosted by Tax Attorney Daniel Razvi

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00:14:07

The Best and Worst Assets to Leave Your Heirs

Optimize Your Retirement ·

2025/04/11

Not all inheritances are created equal. Some assets can be passed down tax-free, while others come with hefty tax burdens. In this episode, Daniel and Raz reveal which assets are best to leave to your kids—and which ones could cost them thousands in unnecessary taxes. Book a Free Meeting with Daniel and Raz For More Information: Higher Ground Financial Group Contact Us at 1-888-263-4434 (888-263-HGFG) -- About the Show & Hosts:Hosted by Tax Attorney

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00:14:07

The Best and Worst Assets to Leave Your Heirs

Optimize Your Retirement ·

2025/04/11

Not all inheritances are created equal. Some assets can be passed down tax-free, while others come with hefty tax burdens. In this episode, Daniel and Raz reveal which assets are best to leave to your kids—and which ones could cost them thousands in unnecessary taxes. Book a Free Meeting with Daniel and Raz For More Information: Higher Ground Financial Group Contact Us at 1-888-263-4434 (888-263-HGFG) -- About the Show & Hosts:Hosted by Tax Attorney

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00:14:30

Is Your Retirement Safe? Protecting Your Savings from...

Optimize Your Retirement ·

2025/04/04

With concerns about market volatility and new government policies, many retirees and pre-retirees are wondering if their savings are secure. Daniel and Raz tackle the big questions: Is your pension safe? What about your TSP? How can you retire with confidence in uncertain times? Book a Free Meeting with Daniel and Raz For More Information: Higher Ground Financial Group Contact Us at 1-888-263-4434 (888-263-HGFG) -- About the Show & Hosts:Hosted by

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00:14:30

Is Your Retirement Safe? Protecting Your Savings from...

Optimize Your Retirement ·

2025/04/04

With concerns about market volatility and new government policies, many retirees and pre-retirees are wondering if their savings are secure. Daniel and Raz tackle the big questions: Is your pension safe? What about your TSP? How can you retire with confidence in uncertain times? Book a Free Meeting with Daniel and Raz For More Information: Higher Ground Financial Group Contact Us at 1-888-263-4434 (888-263-HGFG) -- About the Show & Hosts:Hosted by

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00:14:41

Is Life Insurance Worth It After 60? The Hidden...

Optimize Your Retirement ·

2025/03/28

Think you’re too old for life insurance? Think again. Daniel and Raz explain why life insurance can be a powerful estate planning tool—even for retirees in their 60s and 70s. Learn how it can eliminate estate taxes, protect highly appreciated assets, and provide your heirs with tax-free wealth while avoiding probate headaches. Book a Free Meeting with Daniel and Raz For More Information: Higher Ground Financial Group Contact Us at 1-888-263-4434

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00:14:41

Is Life Insurance Worth It After 60? The Hidden...

Optimize Your Retirement ·

2025/03/28

Think you’re too old for life insurance? Think again. Daniel and Raz explain why life insurance can be a powerful estate planning tool—even for retirees in their 60s and 70s. Learn how it can eliminate estate taxes, protect highly appreciated assets, and provide your heirs with tax-free wealth while avoiding probate headaches. Book a Free Meeting with Daniel and Raz For More Information: Higher Ground Financial Group Contact Us at 1-888-263-4434 (888-263-HGFG) -- About the Show

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00:14:04

Long-Term Care & Annuities: What You Need to Know...

Optimize Your Retirement ·

2025/03/21

Long-term care is a major retirement concern, but is an annuity with a long-term care feature the right solution? In this episode, Daniel and Raz break down the fine print of annuities that offer long-term care benefits, explaining the pros, cons, and hidden details most people overlook. Learn how to evaluate these policies and whether they truly offer the protection you need. Book a Free Meeting with Daniel and Raz For More Information: Higher Ground Financial Group Contact

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00:14:04

Long-Term Care & Annuities: What You Need to Know...

Optimize Your Retirement ·

2025/03/21

Long-term care is a major retirement concern, but is an annuity with a long-term care feature the right solution? In this episode, Daniel and Raz break down the fine print of annuities that offer long-term care benefits, explaining the pros, cons, and hidden details most people overlook. Learn how to evaluate these policies and whether they truly offer the protection you need. Book a Free Meeting with Daniel and Raz For More Information: Higher Ground Financial Group Contact

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00:14:36

Long-Term Care: Do You Really Need Insurance?

Optimize Your Retirement ·

2025/03/14

Long-term care is one of the biggest financial risks in retirement, but is insurance the best way to protect yourself? In this episode, Daniel and Raz break down different long-term care options, including traditional policies, hybrid plans, and alternative strategies. Learn how to prepare for potential healthcare costs without overpaying or leaving yourself vulnerable. Book a Free Meeting with Daniel and Raz For More Information: Higher Ground Financial Group Contact Us at

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00:14:36

Long-Term Care: Do You Really Need Insurance?

Optimize Your Retirement ·

2025/03/14

Long-term care is one of the biggest financial risks in retirement, but is insurance the best way to protect yourself? In this episode, Daniel and Raz break down different long-term care options, including traditional policies, hybrid plans, and alternative strategies. Learn how to prepare for potential healthcare costs without overpaying or leaving yourself vulnerable. Book a Free Meeting with Daniel and Raz For More Information: Higher Ground Financial Group Contact Us at

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00:14:38

Fiduciary or Not? The Truth About Financial Advice

Optimize Your Retirement ·

2025/03/08

What does it really mean for an advisor to be a fiduciary? In this episode, Daniel and Raz break down the fiduciary standard, common misconceptions, and why compensation models don’t always tell the full story. They’ll also share practical tips on how to evaluate financial professionals and make informed decisions about your retirement strategy. Don’t fall for the buzzwords—get the facts! Book a Free Meeting with Daniel and Raz For More Information: Higher Ground Financial

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00:14:38

Fiduciary or Not? The Truth About Financial Advice

Optimize Your Retirement ·

2025/03/08

What does it really mean for an advisor to be a fiduciary? In this episode, Daniel and Raz break down the fiduciary standard, common misconceptions, and why compensation models don’t always tell the full story. They’ll also share practical tips on how to evaluate financial professionals and make informed decisions about your retirement strategy. Don’t fall for the buzzwords—get the facts! Book a Free Meeting with Daniel and Raz For More Information: Higher Ground Financial

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00:14:29

Risk, Fees and Taxes

Optimize Your Retirement ·

2025/02/28

If you only listen to one episode of the show, it should be this one. Daniel and Raz highlight several ways they can help you reduce the three biggest killers in retirement: risk, fees and taxes. Learn how to optimize your investment portfolio, reduce tax burdens, and preserve more of your hard-earned money, all while preparing for a stress-free retirement. Book a Free Meeting with Daniel and Raz For More Information: Higher Ground Financial Group Contact Us at 1-888-263-4434

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159 results

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