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.
Schedule your FREE video call with Daniel & Raz at RiskFeesTaxes.com
Contact Us at 888-263-4434 (888-263-HGFG)
For More Information: Visit HGFinancialGroup.com
The Thrift Savings Plan offers federal employees simple investment choices and exceptionally low costs—but those advantages do not automatically make it a complete retirement-income strategy. Daniel Razvi and Carlos Vasquez break down the C, S, I, F, G and Lifecycle funds, along with the tradeoffs between growth potential and principal protection.
They also discuss proportional withdrawal rules, recent Roth conversion changes and situations in which moving part of a TSP may—or may not—make sense.
The goal is to preserve the plan’s strengths while addressing the income, risk and tax challenges that arise in retirement.
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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)
To Listen to More Episodes on Apple, Spotify, Amazon Music & More: https://optimize-your-retirement.castos.com/
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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.
16 Oct 2026
Is Your Retirement Plan Truly Comprehensive?
Many financial professionals describe their approach as “holistic” or “comprehensive”—but what does that really mean? Daniel Razvi and Carlos Vasquez explain why managing several investment accounts may not address every important part of retirement planning.
They explore the differences between accumulating wealth and turning it into sustainable retirement income, along with the roles of tax planning, estate planning and legacy strategies.
The discussion also highlights why a coordinated team of specialists may serve retirees better than expecting one advisor to handle everything.
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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)
To Listen to More Episodes on Apple, Spotify, Amazon Music & More: https://optimize-your-retirement.castos.com/
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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.
9 Oct 2026
The True Cost of Investment Fees in Retirement
A 1% annual fee may sound small, but over the course of retirement it can quietly consume a significant portion of your savings. Daniel Razvi and Carlos Vasquez explain how advisory fees, mutual-fund expenses, trading costs and other charges can accumulate—and why strong market returns can sometimes disguise their impact.
They also examine the particularly high costs found in some older variable annuities and clarify how today’s annuity products can differ.
The goal is to understand what you are paying, what you receive in return and whether more efficient options may be available.
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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)
To Listen to More Episodes on Apple, Spotify, Amazon Music & More: https://optimize-your-retirement.castos.com/
--
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.
Reach and audience
Public platform figures. Ratings count people who left a rating, not total listeners.
YouTube views
68,287
Score snapshot 15 Sept 2025
Podcast Authority Score: 62 / 100
A composite of feed quality, social presence, YouTube performance and engagement. Read the methodology.
Quality
93
Social presence
0
YouTube
76
Engagement
0
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Guest appearances
Books guests
Based on episode analysis; this does not confirm that the show is currently accepting guests.
Questions about Optimize Your Retirement
Who hosts Optimize Your Retirement?
Daniel Razvi and Imran "Raz" Razvi and Imran Razvi host the show. Published by Daniel Razvi & Imran Razvi.
How often do new episodes come out?
The show publishes weekly, based on its RSS feed.
Does Optimize Your Retirement take guests?
Yes. Guests have been identified in episode analyses.
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