Optimize Your Retirement

By 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 ... more

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FAQs about Optimize Your Retirement:

How many episodes does Optimize Your Retirement have?

The podcast currently has 88 episodes available.

Optimize Your Retirement episodes:

October 31, 2025 How to Stop the Leaks in Your Financial Plan
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.
Schedule your free consultation at RiskFeesTaxes.com.

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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)
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About the Show & Hosts:
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.
...more
15min
October 17, 2025 Beating the 4% Rule: Smarter Withdrawal Strategies for Retirement
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 1-888-263-4434 (888-263-HGFG)
--
About the Show & Hosts:
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.
...more
15min
October 10, 2025 The Truth About Annuity Bonuses: Real Value vs. Shiny Promises
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 Show & Hosts:
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.
...more
15min
October 03, 2025 The Hidden Dangers of Self-Directed IRAs and Bad Tax Advice
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 at 1-888-263-4434 (888-263-HGFG)
--
About the Show & Hosts:
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.
...more
15min
August 22, 2025 When Success Becomes a Tax Problem: Smart Solutions for High-Net-Worth Retirees
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 financial influencer world that could get you in hot water.
--
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" 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.
...more
15min
August 15, 2025 Tax Loopholes the IRS Doesn’t Advertise (But We Will)
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 dramatically.
--
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" 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.
...more
15min
August 08, 2025 New Tax Law, Big Opportunities: How to Optimize Now
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 for keeping your mortgage in retirement, this episode is packed with strategies to help you make the most of today’s tax laws before they change again.
--
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" 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.
...more
15min
August 01, 2025How to Sell a Business (or Property) Without Getting Hammered by Taxes
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 tools like Charitable Remainder Trusts (CRUTs), Donor Advised Funds, and 1031 exchanges that can potentially save you hundreds of thousands of dollars in capital gains taxes.
In this episode:
What a CRUT is and how it can defer capital gains + create income for life
How a Donor Advised Fund compares—and who it’s right for
Why timing matters: why the strategy must be in place before the sale
How to use a 1031 exchange for appreciated real estate (and when not to)
How wealthy families use family foundations to give charitably—and teach the next generation
The difference between legal tax strategies and shady TikTok “hacks”
What to do if you want to give to charity but keep more income and control now
Selling a business, property, or stock? Don’t make a move without talking to a fiduciary tax attorney. Schedule a 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 Show & Hosts:
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.
...more
15min
July 18, 2025The Truth About Bonus Annuities: What They’re Not Telling You
⚠️ “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 episode:
Real money vs. fake money in annuity marketing
The 3 numbers that determine actual guaranteed income
What to look for in an A-rated insurance company
Why most bonus-heavy annuities are not the best option for income
How to get tax-free guaranteed income in retirement
Book a free annuity analysis at: https://www.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 Show & Hosts:
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.
...more
15min
July 11, 2025TikTok Tax Hacks & Annuity Myths: What’s Fact, What’s Fraud?
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 self-directed IRA real estate schemes, this is a crash course in avoiding scams and knowing when someone’s just trying to sell you something.

Key takeaways:
The truth about annuity bonuses: real vs. fake money
Why insurance companies do not pay your Roth conversion taxes
When using an annuity for Roth conversions makes sense—and when it doesn't
The myth of “discounted” Roth conversions through asset devaluation
The danger of complex trust structures pitched as tax-free shelters
Why self-directed IRAs can cost you real estate tax benefits—and your retirement
How to get real tax advice from a licensed fiduciary attorney, not a social media influencer
Schedule a free video call with Daniel or Raz at RiskFeesTaxes.com to get advice you can actually trust.

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" 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.
...more
15min

FAQs about Optimize Your Retirement:

How many episodes does Optimize Your Retirement have?

The podcast currently has 88 episodes available.