March 27, 2026

00:14:30

Why the 4% Rule Is Killing Your Retirement (And What to Do Instead)

Why the 4% Rule Is Killing Your Retirement (And What to Do Instead)
Optimize Your Retirement
Why the 4% Rule Is Killing Your Retirement (And What to Do Instead)

Mar 27 2026 | 00:14:30

/

Show Notes

Your advisor asks about your "risk tolerance"—but that's the wrong question entirely. Tax attorney Daniel Razvi and his father Raz dismantle three sacred cows of retirement planning: the 4% withdrawal rule, the Rule of 100 for asset allocation, and risk tolerance questionnaires. Discover why the market crashes every five years on average, how volatility buffers allow 6-7% withdrawals instead of 4%, and why target date funds are "the lazy man's way to lose money." Most importantly, learn the only question that matters: "How much income do you need?"

Schedule a free consultation at RiskFeesTaxes.com.
That’s 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.

Other Episodes