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)

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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 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)

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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 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.