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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

00:14:15

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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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

en

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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167 results

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