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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

00:14:28

Gold, Silver, and Crypto: Where Do They Fit in...

Optimize Your Retirement ·

2026/02/20

Do precious metals and other opinion-based assets have a role within a diversified retirement strategy? In this episode of Optimize Your Retirement, Daniel Razvi and Imran “Raz” Razvi explore how gold, silver, crypto, and real estate fit alongside contract-based assets, and explain why time horizon and proper allocation matter when considering these investments. The conversation focuses on using metals as a long-term hedge against inflation and currency

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00:14:19

How Diversifying Income Streams Can Help Reduce...

Optimize Your Retirement ·

2026/02/14

In this episode of Optimize Your Retirement, Daniel Razvi and Imran “Raz” Razvi of Higher Ground Financial Group explore the concept of “paychecks and playchecks” and how creating reliable, guaranteed income streams can help retirees feel more confident and secure. They discuss how diversifying risk, reviewing older annuities, and potentially improving income through updated strategies may lead to stronger cash flow in retirement. The conversation also

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00:14:19

How Diversifying Income Streams Can Help Reduce...

Optimize Your Retirement ·

2026/02/14

In this episode of Optimize Your Retirement, Daniel Razvi and Imran “Raz” Razvi of Higher Ground Financial Group explore the concept of “paychecks and playchecks” and how creating reliable, guaranteed income streams can help retirees feel more confident and secure. They discuss how diversifying risk, reviewing older annuities, and potentially improving income through updated strategies may lead to stronger cash flow in retirement. The conversation also

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00:14:23

Opinion vs. Contract Assets: Building a Volatility...

Optimize Your Retirement ·

2026/02/06

In this episode of Optimize Your Retirement, tax attorney Daniel Razvi and Imran “Raz” Razvi of Higher Ground Financial Group explain the critical difference between “opinion assets” tied to market performance and “contract assets” designed to provide stability and protection. They introduce the concept of a “volatility buffer” strategy, showing how balancing risk-based investments with protected assets may help retirees manage market downturns,

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00:14:23

Opinion vs. Contract Assets: Building a Volatility...

Optimize Your Retirement ·

2026/02/06

In this episode of Optimize Your Retirement, tax attorney Daniel Razvi and Imran “Raz” Razvi of Higher Ground Financial Group explain the critical difference between “opinion assets” tied to market performance and “contract assets” designed to provide stability and protection. They introduce the concept of a “volatility buffer” strategy, showing how balancing risk-based investments with protected assets may help retirees manage market downturns,

en

00:14:13

When Is Enough… Enough? Rethinking Retirement Readiness

Optimize Your Retirement ·

2026/01/09

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. Schedule a free consultation at RiskFeesTaxes.com. That’s

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00:14:13

When Is Enough… Enough? Rethinking Retirement Readiness

Optimize Your Retirement ·

2026/01/09

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. Schedule a free consultation at RiskFeesTaxes.com. That’s

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00:14:08

Are You Philosophically Aligned With Your Advisor?

Optimize Your Retirement ·

2026/01/03

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 consultation at RiskFeesTaxes.com. That’s RiskFeesTaxes.com. -- Book a

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00:14:15

Diversification Myths: What Your Advisor Isn’t...

Optimize Your Retirement ·

2025/12/26

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 burdens. Schedule a free consultation at RiskFeesTaxes.com. That’s

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00:14:15

Diversification Myths: What Your Advisor Isn’t...

Optimize Your Retirement ·

2025/12/26

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 burdens. Schedule a free consultation at RiskFeesTaxes.com. That’s

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00:14:22

Estate Planning Mistakes That Could Cost Your Family

Optimize Your Retirement ·

2025/12/19

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. Schedule a free consultation at RiskFeesTaxes.com. That’s

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00:14:22

Estate Planning Mistakes That Could Cost Your Family

Optimize Your Retirement ·

2025/12/19

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. Schedule a free consultation at RiskFeesTaxes.com. That’s

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00:13:56

The Coming AI Market Shake-Up — How Retirees Can...

Optimize Your Retirement ·

2025/12/12

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-eyed look at risk, opportunity, and smart planning. Schedule a free

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00:13:56

The Coming AI Market Shake-Up — How Retirees Can...

Optimize Your Retirement ·

2025/12/12

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-eyed look at risk, opportunity, and smart planning. Schedule a free

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00:14:20

Real Estate, IRAs, and Taxes: What You Need to Know...

Optimize Your Retirement ·

2025/11/26

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 profitable and tax-efficient. Learn how to use real estate to diversify,

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00:14:20

Real Estate, IRAs, and Taxes: What You Need to Know...

Optimize Your Retirement ·

2025/11/26

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 profitable and tax-efficient. Learn how to use real estate to diversify,

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00:14:12

Beating Inflation and Maximizing Income: Smart Social...

Optimize Your Retirement ·

2025/11/21

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 can protect your wealth for the next generation. Learn how Higher

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00:14:12

Beating Inflation and Maximizing Income: Smart Social...

Optimize Your Retirement ·

2025/11/21

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 can protect your wealth for the next generation. Learn how Higher

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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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00:14:29

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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176 results

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