Financial Advisor Q&A with Imran Razvi of Higher Ground Financial Group

With more than 30 years of experience in wealth management, Imran Razvi has dedicated his career to helping individuals and families prepare for and navigate retirement with confidence. As the founder of Higher Ground Financial Group, he works alongside his son, Daniel Razvi, to deliver holistic financial planning rooted in both technical expertise and family values. In this Q&A, Imran answers some of the most common questions people have about working with Higher Ground Financial Group.

Q. Who is Imran Razvi and what is his role at Higher Ground Financial Group?

A: Imran “Raz” Razvi is the founder of Higher Ground Financial Group (HGFG). For over three decades, he has guided individuals and families through every stage of their financial lives, with a focus on preparing for and navigating retirement. His approach is built on the belief that wealth management should be about more than numbers — it should align with a client’s values, priorities, and life goals. Working closely with his son, Daniel Razvi, Imran has created a family-driven practice that blends deep technical expertise with personal connection, ensuring clients feel understood, supported, and confident in their plans.

Q. Do I need a financial advisor?

A: Whether or not you need a financial advisor depends on your goals, circumstances, and comfort level with making complex financial decisions. Many people can manage day-to-day budgeting or saving for short-term goals. But as life becomes more complex — buying a home, planning for children’s education, navigating taxes, or preparing for retirement — professional guidance becomes invaluable. Raz explains that an advisor doesn’t just manage money; they provide clarity, structure, and long-term strategies. At HGFG, clients often share that the real benefit of working with an advisor is the peace of mind that comes from knowing someone is looking out for the big picture.

Q. What does a financial advisor do?

A: A financial advisor serves as a guide, strategist, and advocate. At Higher Ground Financial Group, Imran and Daniel Razvi create retirement income plans, design investment portfolios, identify tax-saving opportunities, and prepare families for unexpected challenges like healthcare costs or market downturns. But their role doesn’t end with financial tools and spreadsheets. They take the time to understand what matters most to each client — whether that’s supporting children, giving to charities, or leaving a legacy. By doing so, they ensure the financial strategy reflects the client’s life goals, not just their account balance.

Q. What should I ask a financial advisor before working with them?

A: Imran encourages prospective clients to ask questions that reveal how an advisor works and whether their values align with your needs. Important questions include:

• How are you compensated? (This clarifies fees and potential conflicts of interest.)

• What is your approach to risk management? (This shows how they’ll protect your investments during volatility.)

• How will you create a plan tailored to me? (Advisors should avoid one-size-fits-all approaches.)

• What kind of ongoing communication can I expect? (Clear, consistent communication is key to long-term trust.)

Q. What makes Higher Ground Financial Group different from other firms?

A: While many advisory firms focus solely on assets and investment performance, Higher Ground Financial Group takes a more holistic approach. Imran Razvi integrates financial planning with personal values, helping clients think through not only how much money they’ll need, but also how they want to use it. The firm’s family-based structure — with Imran and Daniel working side by side — creates a unique dynamic rooted in trust, accountability, and long-term perspective. Clients appreciate the personalized attention and the comfort of knowing they are not just another account, but part of an ongoing relationship.

Q. How does HGFG incorporate family values into financial planning?

A: For Imran and Daniel Razvi, financial planning is not just transactional — it’s relational. They believe that true wealth includes both financial security and the ability to live out your values. That’s why HGFG often integrates discussions about legacy, charitable giving, and multi-generational planning into their process. Many families want to know not just “Will I be okay?” but also “How can I help others with what I’ve built?” HGFG helps clients answer both, ensuring financial plans reflect not only their needs, but also their vision for the future.

Q. Where can I learn more about working with Imran Razvi and HGFG?

A: To learn more about how Imran and Daniel Razvi can help with retirement planning, wealth management, or family-based financial strategies, visit Higher Ground Financial Group’s website. You can explore their services, meet the team, or schedule a consultation to start the conversation.

About Higher Ground Financial Group

Higher Ground Financial Group is a family-owned business that exists to help clients nationwide achieve their financial goals. Like family, Daniel and Imran Razvi rely on each other’s strengths, and, in turn, rely on each other’s collective talents to support you. Whatever your financial concern or challenge - when your family calls, our family and experienced associates will answer!

Learn more about how Daniel Razvi and Imran Razvi proudly serve families nationwide.