HeyJaredOptimize Your Retirement
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.
- Indexed episodes, last 90 days
- 9
- Latest publication
- Aug 28, 2026
- Audience
- Checking…
- Earliest in this view
- Jul 3, 2026
Latest episodes
How Much Emergency Savings Do You Really Need in Retirement? (opens the original)
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When planning for retirement, it's easy to focus on growing your investments—but what happens when you need access to your money during a market downturn? In this episode of Optimize Your Retirement, Daniel and Raz discuss one of the most overlooked aspects of retirement planning: liquidity. They explain why every retiree needs a strategy for keeping money accessible, the difference between market-based and contract-based assets, and why emergency funds become even more important after you stop
Are You Paying More Investment Fees Than You Realize? (opens the original)
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When it comes to retirement planning, fees aren't necessarily bad—but not understanding what you're paying can be expensive. In this episode of Optimize Your Retirement, Daniel and Raz take a deep dive into one of the three biggest retirement killers: fees. They explain the different types of investment costs many retirees unknowingly pay, from advisory fees and mutual fund expense ratios to variable annuity charges and investment management costs. They also discuss how to evaluate whether the v
Are Hidden Investment Fees Costing You Thousands in Retirement? (opens the original)
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Most investors know they pay fees—but few realize just how much those fees may be costing them over time. In this episode of Optimize Your Retirement, Daniel and Raz share the story of a retiree who discovered he was paying more than 3% annually in investment fees on a variable annuity that had grown to $1 million. They explain how those fees can quietly erode retirement savings, why reviewing older financial products is so important, and how today's retirement income solutions may offer signifi
Podcast Extra: Financial Mistake – Failing to Invest in Real Estate (opens the original)
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Today, as inflation continues to reshape retirement planning, more Americans are beginning to view real estate differently—not simply as a place to live, but as an important part of a long-term financial strategy. Key Points Covered: Inflation and investments balancing out purchasing power How younger millennials view real estate investments How investment property becomes a potential tangible asset -- Book a Free Meeting with Daniel and Raz For More Information: Higher Ground Financial Group Co
The Retirement Tax Time Bomb: Why Waiting Could Cost You More (opens the original)
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Most people spend decades being told to defer taxes through their 401(k) or IRA—but what happens when the tax bill finally comes due? In this episode of Optimize Your Retirement, Daniel and Raz explain why Required Minimum Distributions (RMDs) can become one of the biggest financial challenges retirees face. They discuss why delaying withdrawals isn't always the advantage people think it is, how Roth conversions can help reduce future taxes, and why every retirement strategy should begin with a
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