Latest Episodes
February 06, 2026
Opinion vs. Contract Assets: Building a Volatility Buffer for Retirement
In this episode of Optimize Your Retirement, tax attorney Daniel Razvi and Imran “Raz” Razvi of Higher Ground Financial Group explain the critical difference...
00:14:23
January 09, 2026
When Is Enough… Enough? Rethinking Retirement Readiness
Most people think they don’t have “enough” to retire—but the real question isn’t how much you’ve saved, it’s how much income your savings can...
00:14:13
January 03, 2026
Are You Philosophically Aligned With Your Advisor?
A great advisor isn’t just someone who manages your investments—they must align with your philosophy on protecting your life savings. In this episode, Daniel...
00:14:08
December 26, 2025
Diversification Myths: What Your Advisor Isn’t Telling You
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...
00:14:15
December 19, 2025
Estate Planning Mistakes That Could Cost Your Family
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...
00:14:22
December 12, 2025
The Coming AI Market Shake-Up — How Retirees Can Protect Themselves
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...
00:13:56