Optimize Your Retirement

By Daniel Razvi & Imran RazviBusiness Entrepreneurship Investing Management

Optimize Your Retirement episodes

October 16, 2024 Social Security Announces Lowest Cost of Living Adjustment in Four Years
GUEST: Jenn Jones, VP of Government Affairs, AARP

TOPIC: Each year the Social Security Administration announces the cost-of-living adjustment (COLA) for the upcoming year. Last week, leaders announced a 2.5% COLA for 2025. That is smaller than recent years – attributable to slowing inflation.

COLA increases are meant to offset rising prices including food, gas and living expenses. This year, retirees on a fixed income have struggled to keep up with inflation and the 2025 COLA is expected to provide some relief.

Book a Meeting with Daniel and Raz
For More Information: Higher Ground Financial Group
Contact Us at 1-888-263-4434 (888-263-HGFG)
7 min
October 11, 2024 New Tax Proposals
This is an election year, and that brings a lot of uncertainty to our financial lives. This week, Daniel and Raz discuss some new tax proposals floating out there and how they could impact your plan for retirement.
Book a Meeting with Daniel and Raz
For More Information: Higher Ground Financial Group
Contact Us at 1-888-263-4434 (888-263-HGFG)
15 min
October 09, 2024 The Second Fifty: An Indispensable Guide for Living Well, Interview with Debra Whitman, PhD
Guest: Debra Whitman, PhD, AARP’s Executive Vice President and Chief Public Policy Officer and former staff director for the Senate Special Committee on Aging

In her groundbreaking new book, Debra Whitman provides a road map for navigating, and celebrating, the second half of life. A globally recognized expert on aging, Whitman shares insights on longevity, brain health, financial planning, work, housing, and the value of relationships and social engagement. Informed by Whitman’s unmatched expertise and her deep passion, The Second Fifty is an indispensable guide for living well in the 21st century whether you are approaching 50, into your later years or caring for someone who is.

Book a Meeting with Daniel and Raz
For More Information: Higher Ground Financial Group
Contact Us at 1-888-263-4434 (888-263-HGFG)
6 min
October 01, 2024Protecting Yourself from Scams & Data Breaches with Michael Bruemmer, Experian
Fraud, identity theft and data breaches have become part of our everyday lives. So far in 2024, there have been more than 1,300 data breaches. Last year consumers reported losing more than $10 billion to fraud, the highest dollar amount ever reported, according to the Federal Trade Commission (FTC).
Experian’s 2024 U.S. Identity and Fraud report reveals how consumers feel about cyber threats and their online footprint.
Identity theft (84%) and stolen credit card information (80%) are consumers top online security concerns.
People want more types of identity recognition techniques used to verify their identities.
70% of businesses said that AI fraud is expected to be the second greatest challenge for their business.
WITH GUEST: Michael Bruemmer, Global Data Breach Resolution & Consumer Protection, Experian

Book a Meeting with Daniel and Raz
For More Information: Higher Ground Financial Group
Contact Us at 1-888-263-4434 (888-263-HGFG)
7 min
June 14, 2024 How a CRUT May Help Your Estate Plan
In this episode, Daniel and Raz revisit the topic of Charitable Remainder Unitrusts, also known as CRUTs. This type of tool is used by people who want to be sure their wishes are carried out after they pass away. Listen-in for all the details and to learn how you could benefit by having a CRUT in your legacy and estate 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)
16 min
June 07, 2024 Inflation's Impact on Your Retirement
Daniel and Raz discuss how inflation today could affect your retirement tomorrow. They also share some tips on how to plan for future inflation so you can retire with confidence.
Book a Meeting with Daniel and Raz
For More Information: Higher Ground Financial Group
Contact Us at 1-888-263-4434 (888-263-HGFG)
15 min
June 06, 2024 What You Should Know About the Commercial Real Estate Market
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)
16 min
June 03, 2024 Why the IRS Owns Part of Your Retirement Savings
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)
15 min
May 31, 2024 Estate Planning Strategies for the Wise Retiree
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)
15 min
May 30, 2024 Paychecks and ‘Playchecks’
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)
14 min

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Hosted by Tax Attorney Daniel Razvi & Imran "Raz" Razvi.

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Optimize Your Retirement

Optimize Your Retirement episodes

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