Latest Episodes
July 18, 2025
The Truth About Bonus Annuities: What They’re Not Telling You
⚠️ “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...
00:14:39
July 11, 2025
TikTok Tax Hacks & Annuity Myths: What’s Fact, What’s Fraud?
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,...
00:14:30
July 03, 2025
From Pathological Saver to Purposeful Spender: How to Use Your Money Wisely in Retirement
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...
00:14:09
June 27, 2025
Roth Conversions Explained by a 4-Year-Old (Seriously)
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...
00:14:12
June 20, 2025
Opinion-Based vs. Contract-Based Assets: The Retirement Diversification You Didn't Know You Needed
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...
00:14:12
June 06, 2025
Avoid the Retirement Tax Avalanche with Long-Term Planning
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,...
00:14:03