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 week's Optimize Your Retirement, Daniel and Raz bust some of the most persistent retirement planning myths. Discover smarter, tax-savvy strategies to cover future care costs, create tax-free income, and build a legacy that bypasses probate. Visit riskfeestaxes.com to find out what strategy is right for your stage of life.

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)

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About the Show & Hosts:
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.

This week on Optimize Your Retirement, Daniel and Raz explain two of the biggest threats to your retirement: sequence of returns risk and longevity risk. Learn why most retirement advice fails to address these dangers, and discover smarter ways to protect your income, reduce taxes, and minimize fees. Retirement should be stress-free — here's how to make it happen. Schedule your free strategy call at riskfeestaxes.com.

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)

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About the Show & Hosts:
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.

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 riskfeestaxes.com.

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" 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.