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PODCAST

Optimize Your Retirement

Daniel Razvi & Imran Razvi

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

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All Episodes

00:14:14

Beating the 4% Rule: Smarter Withdrawal Strategies...

Optimize Your Retirement ·

2025/10/17

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. -- Book a Free Meeting with Daniel and Raz For More Information: Higher Ground Financial Group Contact Us at

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00:14:14

Beating the 4% Rule: Smarter Withdrawal Strategies...

Optimize Your Retirement ·

2025/10/17

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. -- Book a Free Meeting with Daniel and Raz For More Information: Higher Ground Financial Group Contact Us at

en

00:14:27

The Truth About Annuity Bonuses: Real Value vs. Shiny...

Optimize Your Retirement ·

2025/10/10

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. -- 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

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00:14:27

The Truth About Annuity Bonuses: Real Value vs. Shiny...

Optimize Your Retirement ·

2025/10/10

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. -- 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

en

00:14:14

The Hidden Dangers of Self-Directed IRAs and Bad Tax...

Optimize Your Retirement ·

2025/10/03

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. -- Book a Free Meeting with Daniel and Raz For More Information: Higher Ground Financial Group Contact Us

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00:14:14

The Hidden Dangers of Self-Directed IRAs and Bad Tax...

Optimize Your Retirement ·

2025/10/03

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. -- Book a Free Meeting with Daniel and Raz For More Information: Higher Ground Financial Group Contact Us

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00:14:20

When Success Becomes a Tax Problem: Smart Solutions...

Optimize Your Retirement ·

2025/08/22

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 tying up millions in cash. Plus, how to spot red flags in the

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00:14:20

When Success Becomes a Tax Problem: Smart Solutions...

Optimize Your Retirement ·

2025/08/22

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 tying up millions in cash. Plus, how to spot red flags in the

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00:14:54

Tax Loopholes the IRS Doesn’t Advertise (But We Will)

Optimize Your Retirement ·

2025/08/15

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 clients) can supercharge your financial legacy and reduce taxes

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00:14:54

Tax Loopholes the IRS Doesn’t Advertise (But We Will)

Optimize Your Retirement ·

2025/08/15

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 clients) can supercharge your financial legacy and reduce taxes

en

00:14:03

New Tax Law, Big Opportunities: How to Optimize Now

Optimize Your Retirement ·

2025/08/08

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 expanded SALT limits, charitable giving benefits, and a surprising case

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00:14:03

New Tax Law, Big Opportunities: How to Optimize Now

Optimize Your Retirement ·

2025/08/08

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 expanded SALT limits, charitable giving benefits, and a surprising case

en

00:14:36

How to Sell a Business (or Property) Without Getting...

Optimize Your Retirement ·

2025/08/01

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 sitting on appreciated stock, this episode breaks down legal, strategic

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00:14:39

The Truth About Bonus Annuities: What They’re Not...

Optimize Your Retirement ·

2025/07/18

⚠️ “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 companies allow for Roth conversions inside the contract. In this

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00:14:39

The Truth About Bonus Annuities: What They’re Not...

Optimize Your Retirement ·

2025/07/18

⚠️ “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 companies allow for Roth conversions inside the contract. In this

en

00:14:30

TikTok Tax Hacks & Annuity Myths: What’s Fact, What’s...

Optimize Your Retirement ·

2025/07/11

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 into trouble with the IRS. From fake annuity bonuses to shady

en

00:14:30

TikTok Tax Hacks & Annuity Myths: What’s Fact, What’s...

Optimize Your Retirement ·

2025/07/11

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 into trouble with the IRS. From fake annuity bonuses to shady

en

00:14:09

From Pathological Saver to Purposeful Spender: How to...

Optimize Your Retirement ·

2025/07/03

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

en

00:14:09

From Pathological Saver to Purposeful Spender: How to...

Optimize Your Retirement ·

2025/07/03

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

en

00:14:12

Roth Conversions Explained by a 4-Year-Old (Seriously)

Optimize Your Retirement ·

2025/06/27

In this heartwarming and insightful episode of Optimize Your Retirement, Imran and Daniel Razvi—your trusted father-son team at Higher Ground Financial Group—tackle one of the most powerful retirement strategies: the Roth conversion. Inspired by a real-life conversation with Daniel’s 4-year-old daughter, this episode breaks down Roth conversions in simple, relatable terms that even a preschooler can understand. Inside this episode: Why paying taxes now

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170 results

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