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

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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.

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.

⚠️ “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)

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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.

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.

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.