x

75% of people globally want unbiased news (Pew Research) but are concerned they're not getting that.

Get balanced coverage with Symby. See how stories are covered across diverse outlets and spot when one side covers a story the other skips.

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

business investing

All Episodes

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

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

en

00:14:12

Opinion-Based vs. Contract-Based Assets: The...

Optimize Your Retirement ·

2025/06/20

In this eye-opening episode of Optimize Your Retirement, Daniel and Raz Razvi—your father-and-son fiduciary team at Higher Ground Financial Group—break down the real difference between opinion-based and contract-based assets. You’ll learn why not all “diversification” is created equal, how to spot the hidden risks in your portfolio, and why today’s rising interest rate environment could be the perfect time to refinance your retirement income. Highlights

en

00:14:12

Opinion-Based vs. Contract-Based Assets: The...

Optimize Your Retirement ·

2025/06/20

In this eye-opening episode of Optimize Your Retirement, Daniel and Raz Razvi—your father-and-son fiduciary team at Higher Ground Financial Group—break down the real difference between opinion-based and contract-based assets. You’ll learn why not all “diversification” is created equal, how to spot the hidden risks in your portfolio, and why today’s rising interest rate environment could be the perfect time to refinance your retirement income. Highlights

en

00:14:03

Avoid the Retirement Tax Avalanche with Long-Term...

Optimize Your Retirement ·

2025/06/06

Think you’re stuck paying 15%+ in capital gains taxes? Think again. In this episode, Daniel and Raz reveal advanced tax planning strategies for retirees, including how to legally pay zero in capital gains using income thresholds, donor-advised funds, charitable trusts (CRUTs), and more. They also dig into how Roth conversions can unlock future tax-free income and eliminate required minimum distributions (RMDs). Book a Free Meeting with Daniel and

en

00:14:03

Avoid the Retirement Tax Avalanche with Long-Term...

Optimize Your Retirement ·

2025/06/06

Think you’re stuck paying 15%+ in capital gains taxes? Think again. In this episode, Daniel and Raz reveal advanced tax planning strategies for retirees, including how to legally pay zero in capital gains using income thresholds, donor-advised funds, charitable trusts (CRUTs), and more. They also dig into how Roth conversions can unlock future tax-free income and eliminate required minimum distributions (RMDs). Book a Free Meeting with Daniel and

en

00:14:36

Federal Workers: Make the Most of Your Pension and TSP

Optimize Your Retirement ·

2025/05/30

Feeling overwhelmed by an unexpected retirement or job loss? You’re not alone. In this powerful episode, Daniel and Raz of Higher Ground Financial Group guide you through essential decisions federal workers and contractors must make—pension options, Social Security timing, and tax-smart income planning. Discover how strategies like “pension maximization” and early Social Security filing could give you more control and confidence in uncertain times. Book

en

00:14:36

Federal Workers: Make the Most of Your Pension and TSP

Optimize Your Retirement ·

2025/05/30

Feeling overwhelmed by an unexpected retirement or job loss? You’re not alone. In this powerful episode, Daniel and Raz of Higher Ground Financial Group guide you through essential decisions federal workers and contractors must make—pension options, Social Security timing, and tax-smart income planning. Discover how strategies like “pension maximization” and early Social Security filing could give you more control and confidence in uncertain times. Book

en

00:14:28

Is Life Insurance Still Worth It After 50? Here's the...

Optimize Your Retirement ·

2025/05/23

Do you still need life insurance after the kids are grown? What about long-term care insurance—are you really at risk without it? In this week's Optimize Your Retirement, Daniel and Raz bust some of the most persistent retirement planning myths. Discover smarter, tax-savvy strategies to cover future care costs, create tax-free income, and build a legacy that bypasses probate. Visit riskfeestaxes.com to find out what strategy is right for your stage of

en

00:14:28

Is Life Insurance Still Worth It After 50? Here's the...

Optimize Your Retirement ·

2025/05/23

Do you still need life insurance after the kids are grown? What about long-term care insurance—are you really at risk without it? In this week's Optimize Your Retirement, Daniel and Raz bust some of the most persistent retirement planning myths. Discover smarter, tax-savvy strategies to cover future care costs, create tax-free income, and build a legacy that bypasses probate. Visit riskfeestaxes.com to find out what strategy is right for your stage of

en

00:14:28

The Critical Retirement Risks No One Warns You About

Optimize Your Retirement ·

2025/05/16

This week on Optimize Your Retirement, Daniel and Raz explain two of the biggest threats to your retirement: sequence of returns risk and longevity risk. Learn why most retirement advice fails to address these dangers, and discover smarter ways to protect your income, reduce taxes, and minimize fees. Retirement should be stress-free — here's how to make it happen. Schedule your free strategy call at riskfeestaxes.com. Book a Free Meeting with Daniel and

en

00:14:28

The Critical Retirement Risks No One Warns You About

Optimize Your Retirement ·

2025/05/16

This week on Optimize Your Retirement, Daniel and Raz explain two of the biggest threats to your retirement: sequence of returns risk and longevity risk. Learn why most retirement advice fails to address these dangers, and discover smarter ways to protect your income, reduce taxes, and minimize fees. Retirement should be stress-free — here's how to make it happen. Schedule your free strategy call at riskfeestaxes.com. Book a Free Meeting with Daniel and

en

00:14:31

How to Protect Your Retirement from Market Volatility

Optimize Your Retirement ·

2025/05/09

In this episode of Optimize Your Retirement, Daniel and Raz from Higher Ground Financial Group explain how retirees and pre-retirees can safeguard their income plans in a volatile market. Discover why a 3–4% withdrawal strategy may not work anymore, how to truly calculate your retirement income needs, and why annuity "bonuses" might not be what they seem. Plus: actionable tips for minimizing taxes and fees. Schedule your free personalized call at

en

00:14:42

How to Give More to Charity & Less to the IRS

Optimize Your Retirement ·

2025/05/02

If you're already donating to charity, why not get the maximum tax benefits? Daniel and Raz discuss strategic ways to give—like donor-advised funds, QCDs, and charitable trusts—so you can give more while keeping more of your money. 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 Show & Hosts:Hosted by Tax Attorney Daniel Razvi & Imran "Raz"

en

00:14:42

How to Give More to Charity & Less to the IRS

Optimize Your Retirement ·

2025/05/02

If you're already donating to charity, why not get the maximum tax benefits? Daniel and Raz discuss strategic ways to give—like donor-advised funds, QCDs, and charitable trusts—so you can give more while keeping more of your money. 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 Show & Hosts:Hosted by Tax Attorney Daniel Razvi & Imran "Raz"

en

00:14:25

Can You Afford a Market Crash in Retirement? Here’s...

Optimize Your Retirement ·

2025/04/25

Market downturns can devastate your retirement if they happen at the wrong time. Daniel and Raz discuss the "sequence of returns risk" and how you can shield your savings, ensuring your retirement income remains stable no matter what the market does. 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 Show & Hosts:Hosted by Tax Attorney Daniel Razvi

en

00:14:25

Can You Afford a Market Crash in Retirement? Here’s...

Optimize Your Retirement ·

2025/04/25

Market downturns can devastate your retirement if they happen at the wrong time. Daniel and Raz discuss the "sequence of returns risk" and how you can shield your savings, ensuring your retirement income remains stable no matter what the market does. 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 Show & Hosts:Hosted by Tax Attorney Daniel Razvi

en

00:14:38

Are Annuities a Smart Retirement Strategy or a Bad...

Optimize Your Retirement ·

2025/04/18

You’ve heard conflicting opinions—some say annuities are the best way to guarantee income, while others say they’re a ripoff. So what’s the truth? Daniel and Raz break it all down, explaining when an annuity makes sense and how to avoid costly mistakes. 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 Show & Hosts:Hosted by Tax Attorney Daniel Razvi

en

00:14:38

Are Annuities a Smart Retirement Strategy or a Bad...

Optimize Your Retirement ·

2025/04/18

You’ve heard conflicting opinions—some say annuities are the best way to guarantee income, while others say they’re a ripoff. So what’s the truth? Daniel and Raz break it all down, explaining when an annuity makes sense and how to avoid costly mistakes. 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 Show & Hosts:Hosted by Tax Attorney Daniel Razvi

en

172 results

Similar Podcasts

TaxTalent.com The Golden Rule Podcast

Adam Golden

TaxTalent.com Podcast

Tony Santiago

Handelsblatt Crime - spannende Streitfälle der deutschen Wirtschaft

Ina Karabasz, Solveig Gode, Sönke Iwersen

Deffner und Zschäpitz – Der Wirtschafts-Talk von WELT

WELT

Black Box - La scatola nera della finanza

Guido Brera e Gian Luca Comandini -...