Optimize Your Retirement

With Guest: Dr. Chris DeRienzo, Chief Physician Executive & Senior Vice President, American Hospital Association

Hospital patients are even safer today than they were in 2019. That’s according to a new report by the American Hospital Association (AHA). Retirement.Radio’s Matt McClure speaks with Dr. Chris DeRienzo with the AHA about the study, what led to the results, and how lessons learned from the pandemic are helping improve patient outcomes.

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.

Markets go up and down all the time. When the swings get wider, do you have protection for your assets? This time around, Daniel and Raz discuss the importance of having a volatility buffer as part of your investment strategy – and how you can put up some guardrails to protect your retirement.

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.

Should you become a landlord? It could be a great source of income during retirement, but it comes with its burdens, as well. During this episode, Daniel and Raz discuss the pros and cons of owning rental properties – and how charitable remainder unitrusts (CRUTs) fall into the picture.

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.

If you have investments, you should be concerned about the possibility of paying capital gains taxes. On this episode, Daniel and Raz discuss ways to minimize your tax burden, while keeping Uncle Sam happy.

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.

Inflation is the “silent tax,” and Social Security attempts to help retirees fight against it by implementing a cost of living adjustment (COLA) every year. The government recently announced the 2025 COLA will be 2.5%. But is that enough to keep up with rising costs? On this episode, Daniel and Raz break down the numbers.

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.

Personal Finance 101 says you should always have an emergency fund available for when the unexpected inevitably happens. But how much should be in your emergency fund? And what type of assets should you keep in case of an emergency? Daniel and Raz answer those questions and more on this episode of the show.

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.

If you are planning to retire in a few years – or if you are a few years into your retirement – you’re in what is known as the “Retirement Red Zone.” These are crucial times for your plan, and Daniel and Raz will tell you how to protect your hard-earned money from market losses on this week’s show.

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.

Now is probably not the best time to refinance your house, but it could be the perfect time to refinance your retirement. Daniel and Raz explain what that means on this week’s show – and give you some tips and tricks to make it happen.

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.

The word “annuity” is scary to many people, but it shouldn’t be. On this week’s show, Daniel and Raz tell you why the naysayers are wrong – and how newer, innovative annuity products can be a crucial part of a successful retirement plan.

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.

Is now a good time to convert your traditional retirement accounts to a Roth IRA? Daniel and Raz tackle that topic on this edition of the show. From tax implications to what this election could mean for your future, you don’t want to miss this episode.

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.