
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 prod... more
| Publishes | Weekly | Episodes | 100 | Founded | 2 years ago |
|---|---|---|---|---|---|
| Number of Listeners | Categories | InvestingBusinessManagement | |||

A 1% annual fee may sound small, but over the course of retirement it can quietly consume a significant portion of your savings. Daniel Razvi and Carlos Vasquez explain how advisory fees, mutual-fund expenses, trading costs and other charges can accu... more
Taxes in retirement extend far beyond the familiar federal income-tax brackets. Daniel Razvi and Carlos Vasquez explain how the Net Investment Income Tax and Medicare’s income-related adjustment amount, commonly called IRMAA, can create unexpected co... more
Long-term care can become one of retirement’s largest expenses—but traditional insurance isn’t the only way to prepare. Daniel Razvi and Carlos Vasquez explore hybrid policies, self-funding strategies and other options designed to help cover future c... more
When planning for retirement, it's easy to focus on growing your investments—but what happens when you need access to your money during a market downturn?
In this episode of Optimize Your Retirement, Daniel and Raz discuss one of the most overlooked... more
When it comes to retirement planning, fees aren't necessarily bad—but not understanding what you're paying can be expensive.
In this episode of Optimize Your Retirement, Daniel and Raz take a deep dive into one of the three biggest retirement killer... more
Most investors know they pay fees—but few realize just how much those fees may be costing them over time.
In this episode of Optimize Your Retirement, Daniel and Raz share the story of a retiree who discovered he was paying more than 3% annually in ... more
Today, as inflation continues to reshape retirement planning, more Americans are beginning to view real estate differently—not simply as a place to live, but as an important part of a long-term financial strategy.
Key Points Covered:
• Inflation a... more
Most people spend decades being told to defer taxes through their 401(k) or IRA—but what happens when the tax bill finally comes due?
In this episode of Optimize Your Retirement, Daniel and Raz explain why Required Minimum Distributions (RMDs) can b... more
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