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, including how to legally pay zero in capital gains using income thresholds, donor-advised funds, charitable trusts (CRUTs), and more. They also dig into how Roth conversions can unlock future tax-free income and eliminate required minimum distributions (RMDs).

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.

Feeling overwhelmed by an unexpected retirement or job loss? You’re not alone. In this powerful episode, Daniel and Raz of Higher Ground Financial Group guide you through essential decisions federal workers and contractors must make—pension options, Social Security timing, and tax-smart income planning. Discover how strategies like “pension maximization” and early Social Security filing could give you more control and confidence in uncertain times.

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.

Do you still need life insurance after the kids are grown? What about long-term care insurance—are you really at risk without it? In this week's Optimize Your Retirement, Daniel and Raz bust some of the most persistent retirement planning myths. Discover smarter, tax-savvy strategies to cover future care costs, create tax-free income, and build a legacy that bypasses probate. Visit riskfeestaxes.com to find out what strategy is right for your stage of life.

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.