Optimize Your Retirement
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. Schedule your FREE video call with Daniel & Raz at RiskFeesTaxes.com Contact Us at 888-263-4434 (888-263-HGFG) For More Information: Visit HGFinancialGroup.com
Episodes
Most people think they don’t have “enough” to retire—but the real question isn’t how much you’ve saved, it’s how much income your savings can produce. In this episode, Daniel and Imran “Raz” Razvi reveal why the 4% rule often holds retirees back, how the right plan can safely generate far more income, and why protection—not market growth—is the key to retiring sooner with confidence.
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A great advisor isn’t just someone who manages your investments—they must align with your philosophy on protecting your life savings. In this episode, Daniel and Imran “Raz” Razvi explain why shielding your retirement from risk, fees, and taxes requires a unified approach and why working with someone who only focuses on one area can leave you dangerously exposed.
Schedule a free consul...
Most people think they’re diversified—but they’re not. In this episode, Daniel and Imran “Raz” Razvi explain why traditional diversification fails, why nearly everything in your portfolio may still be tied to the same market risk, and how true diversification involves both your asset types and your tax buckets. Learn how to protect your retirement from market volatility and long-term tax...
Most advisors won’t talk taxes—and that leaves retirees vulnerable. In this episode, Daniel and Imran “Raz” Razvi explain the biggest estate planning mistakes they see every day, from bad trust advice to dangerous TikTok myths. Learn why tax planning, legal planning, and financial planning must work together—and how the right approach can save your family time, money, and stress.
Schedul...
AI is driving massive market gains—but is it also creating a dangerous bubble? In this episode, Daniel and Imran “Raz” Razvi break down why so much of today’s market growth is tied to AI spending, why the fundamentals don’t support it long-term, and what retirees should do to protect their savings before the hype cools off. If you're nearing retirement, you won’t want to miss this clear-...
In this episode of Optimize Your Retirement, Daniel Razvi and his father, Raz, break down the smart—and not-so-smart—ways to use real estate in retirement planning. They explain why owning property inside an IRA can be a costly mistake, how to balance “opinion-based” and “contract-based” assets, and how tools like cost segregation and professional management can make rentals more profita...
In this episode of Optimize Your Retirement, Daniel Razvi and his father, Raz, explain how to outpace inflation, maximize retirement income, and make smarter decisions about when to claim Social Security. They reveal why taking Social Security earlier can make sense for wealthier retirees, how to generate up to 50% more income with less risk, and how combining income and legacy planning ...
In this episode of Optimize Your Retirement, Daniel Razvi and his father, Raz, explore why life insurance remains one of the most powerful—and misunderstood—tools for wealth transfer and estate planning. They explain how to use life insurance for tax-free legacy building, when to consider irrevocable trusts, and how premium financing can allow banks to help fund your policy. Whether you’...
In this episode of Optimize Your Retirement, Daniel Razvi and his dad, Raz, unpack the One Big Beautiful Bill—the sweeping 2025 tax law that froze rates and expanded deductions. Learn how these updates can help retirees lower their tax bill, why “permanent” doesn’t always mean forever in Washington, and how smart Roth conversions and income planning can take advantage of today’s rates be...
In this episode of Optimize Your Retirement, Daniel Razvi and his dad, Raz, tackle the three biggest threats to your nest egg—risk, fees, and taxes. Discover why deferring taxes may actually cost you more later, how market losses can wreck your retirement income, and why traditional accumulation strategies don’t work once you start drawing down. The Razvis explain how to build a plan tha...
Daniel and Raz tackle the pitfalls of emotional investing and the limits of the “4% rule.” Through a real client case, they reveal how strategies like volatility buffers and guaranteed income can boost retirement withdrawals, reduce taxes, and eliminate the fear of running out of money.
Schedule your free consultation at RiskFeesTaxes.com.
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Daniel and Raz cut through the hype of 30% annuity bonuses and roll-up rates, explaining why these “guarantees” aren’t always what they seem. Discover how payout factors, tax rules, and Roth conversion options really determine your retirement income.
Schedule your free consultation at RiskFeesTaxes.com.
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Self-directed IRAs may sound appealing, but they can create big problems when RMDs come due. In this episode, Daniel and Imran “Raz” Razvi reveal the hidden pitfalls of real estate inside IRAs, debunk common myths about inherited IRAs, and explain why bad tax advice could derail your retirement.
Schedule your free consultation at RiskFeesTaxes.com.
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Success can be its own tax burden. In this episode, the Razvis break down how affluent retirees and high-net-worth families can preserve more of what they’ve built—without relying on shady TikTok “hacks.” Learn the truth about Roth conversion mistakes, how to use legitimate IRS-approved tools like indexed life insurance, and how premium financing lets you buy millions in coverage without...
Are Roth conversions always the right move? Not necessarily. In this episode, the Razvis explore who should convert, who shouldn’t, and why the new tax bill offers a rare opportunity to optimize your retirement income—especially if you're over 65. Discover how new deductions, capital gains thresholds, and advanced life insurance strategies (including premium financing for high-net-worth ...
In this episode of Optimize Your Retirement, Imran and Daniel Razvi from Higher Ground Financial Group break down the newly passed tax bill—dubbed both “the big, beautiful bill” and “the ugly small one.” What does it mean for your taxes, your Roth conversions, your mortgage, and your estate plan? Turns out—quite a lot. From increased standard deductions (up to $48,000 for retirees) to ex...
Sold your business—or planning to? Don’t lose up to a third of your hard-earned sale to taxes.
In this powerful episode of Optimize Your Retirement, father-son team Daniel and Raz Razvi share how a dentist lost over $1 million in unnecessary taxes after selling his $3 million practice...and how it could have been avoided. Whether you're a business owner, property investor, or someone sit...
⚠️ “Get a 30% bonus and a 9% roll-up!” That’s the pitch—but what’s the truth?
Daniel and Raz Razvi from Higher Ground Financial Group break down the real story behind bonus annuities, fake roll-ups, and the flashy claims made in marketing materials. Learn why the payout factor is the #1 thing to look at, why most bonuses aren’t walkaway money, and why only a tiny handful of annuity compa...
In this eye-opening episode of Optimize Your Retirement, Daniel and Raz take a flamethrower to some of the most misleading “strategies” floating around TikTok, Instagram, and YouTube—including the false claim that an annuity can “pay the taxes” on your Roth conversion.
Daniel, a licensed tax attorney, walks listeners through what’s true, what’s half-true, and what might actually get you...
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