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.

⚠️ “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.

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.

In this empowering episode of Optimize Your Retirement, father-son duo Daniel and Raz take on one of the biggest emotional and financial challenges facing retirees: spending the money you've worked so hard to save. Whether you're a “pathological saver” afraid to touch your retirement nest egg or simply unsure if you have enough to retire comfortably, this episode offers the tools—and mindset shift—you need.

✅ You’ll learn:

• Why having a surplus doesn’t guarantee financial confidence
• How to create a “License to Spend” plan backed by math and guarantees
• The power of “Paychecks and Playchecks” to create sustainable, enjoyable retirement income
• Why giving with a warm hand can offer greater meaning—and tax benefits
• The surprising health impact of guaranteed income: up to 20% longer life expectancy for men
• How to reduce or eliminate stress, taxes, and uncertainty in retirement with strategic income and legacy planning

Ready to enjoy your money without guilt or fear? Schedule your free retirement income strategy session 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.

In this heartwarming and insightful episode of Optimize Your Retirement, Imran and Daniel Razvi—your trusted father-son team at Higher Ground Financial Group—tackle one of the most powerful retirement strategies: the Roth conversion. Inspired by a real-life conversation with Daniel’s 4-year-old daughter, this episode breaks down Roth conversions in simple, relatable terms that even a preschooler can understand.

Inside this episode:

• Why paying taxes now might save you 10x later
• How Roth conversions reduce future taxes, Medicare premiums, and Social Security taxation
• What the new Roth contribution rules mean for your 401(k), TSP, or 403(b)
• The risks of converting without a plan—and why market losses after a conversion can be a costly mistake
• How to protect your converted dollars from volatility
• Why working with a tax attorney is critical for long-term planning (not just yearly tax prep)

Ready to run the numbers on your own Roth conversion? Visit RiskFeesTaxes.com to schedule your free video call with our fiduciary team of tax attorneys and retirement experts.

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.

In this eye-opening episode of Optimize Your Retirement, Daniel and Raz Razvi—your father-and-son fiduciary team at Higher Ground Financial Group—break down the real difference between opinion-based and contract-based assets. You’ll learn why not all “diversification” is created equal, how to spot the hidden risks in your portfolio, and why today’s rising interest rate environment could be the perfect time to refinance your retirement income.

Highlights include:

• Why 96% of stocks historically perform no better than Treasury bills
• What “opinion-based” assets are—and why they dominate most retirement portfolios
• How to identify truly diversified contract-based options (like annuities and rental contracts)
• Real client stories of annuity refinancing: cutting fees and increasing income by 50%+
• The risk of getting tax plans from non-attorneys—and how to get real, actionable advice

Ready for your free analysis? Visit RiskFeesTaxes.com and schedule your free video consultation.

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.

Think you’re stuck paying 15%+ in capital gains taxes? Think again. In this episode, Daniel and Raz reveal advanced tax planning strategies for retirees, including how to legally pay zero in capital gains using income thresholds, donor-advised funds, charitable trusts (CRUTs), and more. They also dig into how Roth conversions can unlock future tax-free income and eliminate required minimum distributions (RMDs).

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.

Feeling overwhelmed by an unexpected retirement or job loss? You’re not alone. In this powerful episode, Daniel and Raz of Higher Ground Financial Group guide you through essential decisions federal workers and contractors must make—pension options, Social Security timing, and tax-smart income planning. Discover how strategies like “pension maximization” and early Social Security filing could give you more control and confidence in uncertain times.

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.