In this empowering episode of Optimize Your Retirement, father-son duo Daniel and Raz take on one of the biggest emotional and financial challenges facing retirees: spending the money you've worked so hard to save. Whether you're a “pathological saver” afraid to touch your retirement nest egg or simply unsure if you have enough to retire comfortably, this episode offers the tools—and mindset shift—you need.

✅ You’ll learn:

• Why having a surplus doesn’t guarantee financial confidence
• How to create a “License to Spend” plan backed by math and guarantees
• The power of “Paychecks and Playchecks” to create sustainable, enjoyable retirement income
• Why giving with a warm hand can offer greater meaning—and tax benefits
• The surprising health impact of guaranteed income: up to 20% longer life expectancy for men
• How to reduce or eliminate stress, taxes, and uncertainty in retirement with strategic income and legacy planning

Ready to enjoy your money without guilt or fear? Schedule your free retirement income strategy session 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.