Latest Episodes
June 27, 2025
Roth Conversions Explained by a 4-Year-Old (Seriously)
In this heartwarming and insightful episode of Optimize Your Retirement, Imran and Daniel Razvi—your trusted father-son team at Higher Ground Financial Group—tackle one of...
00:14:12
June 20, 2025
Opinion-Based vs. Contract-Based Assets: The Retirement Diversification You Didn't Know You Needed
In this eye-opening episode of Optimize Your Retirement, Daniel and Raz Razvi—your father-and-son fiduciary team at Higher Ground Financial Group—break down the real difference...
00:14:12
June 06, 2025
Avoid the Retirement Tax Avalanche with Long-Term Planning
Think you’re stuck paying 15%+ in capital gains taxes? Think again. In this episode, Daniel and Raz reveal advanced tax planning strategies for retirees,...
00:14:03
May 30, 2025
Federal Workers: Make the Most of Your Pension and TSP
Feeling overwhelmed by an unexpected retirement or job loss? You’re not alone. In this powerful episode, Daniel and Raz of Higher Ground Financial Group...
00:14:36
May 23, 2025
Is Life Insurance Still Worth It After 50? Here's the Truth
Do you still need life insurance after the kids are grown? What about long-term care insurance—are you really at risk without it? In this...
00:14:28
May 16, 2025
The Critical Retirement Risks No One Warns You About
This week on Optimize Your Retirement, Daniel and Raz explain two of the biggest threats to your retirement: sequence of returns risk and longevity...
00:14:28