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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

00:14:29

Life Insurance and Legacy: The Most Overlooked Tool...

Optimize Your Retirement ·

2025/11/14

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’re planning for your children or managing a multi-million-dollar

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00:14:33

Inside the One Big Beautiful Bill: How 2025’s Tax Law...

Optimize Your Retirement ·

2025/11/07

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 before they change again. Tune in to hear how to make the most of these

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00:14:33

Inside the One Big Beautiful Bill: How 2025’s Tax Law...

Optimize Your Retirement ·

2025/11/07

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 before they change again. Tune in to hear how to make the most of these

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00:01:52

Podcast Extra: The Proper Steps to Take for a...

Optimize Your Retirement ·

2025/11/04

In this piece, brought to you by Retirement.Radio's Jim Tarabocchia, we explore the basics steps to take – and break them down – for further clarity on preparing for retirement. Key Points Covered: The importance of saving for retirement – NOW Balancing your investments – How a healthy mix of riskier investments can help weather the market’s uncertainty especially as you get closer to retirement. The importance of seeking professional

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00:01:52

Podcast Extra: The Proper Steps to Take for a...

Optimize Your Retirement ·

2025/11/04

In this piece, brought to you by Retirement.Radio's Jim Tarabocchia, we explore the basics steps to take – and break them down – for further clarity on preparing for retirement. Key Points Covered: The importance of saving for retirement – NOW Balancing your investments – How a healthy mix of riskier investments can help weather the market’s uncertainty especially as you get closer to retirement. The importance of seeking professional

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00:14:09

How to Stop the Leaks in Your Financial Plan

Optimize Your Retirement ·

2025/10/31

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 that keeps more of what you’ve earned and protects your legacy.

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00:14:09

How to Stop the Leaks in Your Financial Plan

Optimize Your Retirement ·

2025/10/31

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 that keeps more of what you’ve earned and protects your legacy.

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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

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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

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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

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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

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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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00:14:14

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

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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

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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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157 results

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