Optimize Your Retirement

On this episode, Daniel and Raz look at the current state of the commercial real estate market. They also highlight the importance of diversification with your investments to offset potential losses. Book a Meeting  with Daniel and Raz For More Information: Higher Ground Financial Group Contact Us at 1-888-263-4434 (888-263-HGFG)

Daniel and Raz reveal how much of your retirement savings is yours – and how much may actually belong to the government. If you find that your nest egg is smaller than you thought, they offer some strategies to minimize your tax burden during your golden years. Book a Meeting  with Daniel and Raz For More Information: Higher Ground Financial Group Contact Us at 1-888-263-4434 (888-263-HGFG)

In this episode, Daniel and Raz discuss the importance of planning for what happens after you die. Will your loved ones be taken care of? Having a proper estate plan is key to ensure they are. Book a Meeting  with Daniel and Raz For More Information: Higher Ground Financial Group Contact Us at 1-888-263-4434 (888-263-HGFG)

Creating multiple streams of income in retirement is crucial to living the lifestyle you want. On today’s episode, Daniel and Raz discuss how to get paychecks to take care of your necessary expenses – AND “playchecks” to live out your retirement dreams. Book a Meeting  with Daniel and Raz For More Information: Higher Ground Financial Group Contact Us at 1-888-263-4434 (888-263-HGFG)

A Roth account is one of only two tax-free investments available to Americans today. In this episode, Daniel and Raz clear away the confusion about these types of accounts and explain how to kick the IRS out of your retirement plan. Book a Meeting  with Daniel and Raz For More Information: Higher Ground Financial Group Contact Us at 1-888-263-4434 (888-263-HGFG)

Healthcare is one of, if not the biggest, expenses in retirement. On today’s show, Daniel and Raz talk about options for those of us who may find ourselves in a long-term care situation. Medicare doesn’t cover everything, so you will need to plan for it yourself! Book a Meeting  with Daniel and Raz For More Information: Higher Ground Financial Group Contact Us at 1-888-263-4434 (888-263-HGFG)

If you’re tired of riding the Wall Street roller coaster, this is the episode for you! Daniel and Raz discuss how to protect your investments from the wild swings in the markets by creating a volatility buffer in your portfolio. Book a Meeting  with Daniel and Raz For More Information: Higher Ground Financial Group Contact Us at 1-888-263-4434 (888-263-HGFG)

As a licensed tax attorney, Daniel Razvi knows how to plan effectively for his clients when it comes to their taxes in retirement. On this episode, he and his father, Raz, discuss the only two tax-free investments available to Americans: Roth accounts and life insurance. Book a Meeting  with Daniel and Raz For More Information: Higher Ground Financial Group Contact Us at 1-888-263-4434 (888-263-HG...

On this episode, Daniel and Raz talk about how to avoid being a “pathological saver.” They’ll discuss ways you can increase your return on your hard-earned money while still keeping safety in mind. Book a Meeting  with Daniel and Raz For More Information: Higher Ground Financial Group Contact Us at 1-888-263-4434 (888-263-HGFG)  

How do rising prices affect your investments? Daniel and Raz discuss several different scenarios on this episode. Plus, how a comprehensive retirement plan can help you! Book a Meeting  with Daniel and Raz For More Information: Higher Ground Financial Group Contact Us at 1-888-263-4434 (888-263-HGFG)  

Daniel and Raz discuss some important steps you can take to reduce or eliminate one of the biggest retirement killers: risk. Insurance should play a role in your plan, and they tell you how. For More Information: Higher Ground Financial Group Contact Us at 1-888-263-4434 (888-263-HGFG) Book a Meeting  with Daniel and Raz

Taxes aren’t a simple topic, so Daniel and Raz are back with more tax talk. On this episode, they focus on how to generate as much tax-free income as possible in your retirement years. For More Information: Higher Ground Financial Group Contact Us at 1-888-263-4434 (888-263-HGFG) Book a Meeting  with Daniel and Raz

This time around, Daniel and Raz highlight two of the most important retirement killers: risk and taxes. How can you eliminate market risk on a portion of your portfolio? How can you avoid overpaying in taxes? Tune in to find out! For More Information: Higher Ground Financial Group Contact Us at 1-888-263-4434 (888-263-HGFG) Book a Meeting  with Daniel and Raz

Daniel and Raz highlight how retirement is more about income than it is about having one big nest egg number. Saving a lot is great, but how are you going to turn that into an income stream that will last as long as you do? For More Information: Higher Ground Financial Group Contact Us at 1-888-263-4434 (888-263-HGFG) Book a Meeting  with Daniel and Raz

On this episode, Daniel and Raz discuss the importance of legacy and estate planning. Don’t put it off because you think it’s too much of a hassle. In reality, it’s too important to delay. For More Information: Higher Ground Financial Group Contact Us at 1-888-263-4434 (888-263-HGFG) Book a Meeting  with Daniel and Raz

On this episode, Daniel and Raz discuss why paying off your mortgage may not always be the best thing for retirees today. Plus, they’ll talk about how building equity in your home actually works. For More Information: Higher Ground Financial Group Contact Us at 1-888-263-4434 (888-263-HGFG) Book a Meeting  with Daniel and Raz  

Is investing in rental properties during your retirement years a good strategy for you? As with so many things, the answer is, “it depends.” Daniel and Raz will give you the pros and cons of owning rentals during your golden years. For More Information: Higher Ground Financial Group Contact Us at 1-888-263-4434 (888-263-HGFG) Book a Meeting  with Daniel and Raz

Planning for retirement may include more than your 401(k), IRA or other types of accounts. What about real estate? On this episode, Daniel and Raz discuss some options for including real property as part of your plan. For More Information: Higher Ground Financial Group Contact Us at 1-888-263-4434 (888-263-HGFG) Book a Meeting  with Daniel and Raz

The number one fear of retirees today is running out of money. This time around, Daniel and Raz discuss what’s known as longevity risk, and give you some strategies to plan for it so your money outlives you, not the other way around. For More Information: Higher Ground Financial Group Contact Us at 1-888-263-4434 (888-263-HGFG) Book a Meeting  with Daniel and Raz

When you think of life insurance you probably don’t think of being able to use it for retirement. On this episode, Daniel and Raz bust that myth and explain the many uses of this often-overlooked tool. For More Information: Higher Ground Financial Group Contact Us at 1-888-263-4434 (888-263-HGFG) Book a Meeting  with Daniel and Raz

Daniel and Raz discuss volatility in the stock market and how you can protect yourself from the ups and downs of the Wall Street roller coaster. For More Information: Higher Ground Financial Group Contact Us at 1-888-263-4434 (888-263-HGFG) Book a Meeting  with Daniel and Raz

Annuities can be a wonderful tool for retirement – and can provide a stream of income you can never outlive. Daniel and Raz discuss the different types of annuities and how each could be useful for you. For More Information: Higher Ground Financial Group Contact Us at 1-888-263-4434 (888-263-HGFG) Book a Meeting  with Daniel and Raz

When people think of diversifying their assets, they usually think of investing in different asset classes of stocks. On this episode, Daniel and Raz discuss a different kind of diversification: tax diversification. For More Information: Higher Ground Financial Group Contact Us at 1-888-263-4434 (888-263-HGFG) Book a Meeting  with Daniel and Raz

Sometimes timing can be everything. On this episode, Daniel and Raz explain Sequence of Returns Risk and how it can have a huge impact on your retirement. For More Information: Higher Ground Financial Group Contact Us at 1-888-263-4434 (888-263-HGFG) Book a Meeting  with Daniel and Raz

In this episode, Daniel and Raz explain Charitable Remainder Unitrusts (CRUT) and who might benefit from them. For More Information: Higher Ground Financial Group Contact Us at 1-888-263-4434 (888-263-HGFG) Book a Meeting  with Daniel and Raz