Imran Razvi of Higher Ground Financial Group on Eliminating the Three Biggest Retirement Killers: Risk, Fees, and Taxes

Imran Razvi Featured on CNBC’s Spotlight Television

Spotlight Digital Network recently highlighted Imran “Raz” Razvi and Daniel Razvi, founders of Higher Ground Financial Group (HGFG), in a special feature with financial expert Tom Hegna. The segment focused on improving financial literacy and helping Americans protect their hard-earned savings from what the Razvis call the three biggest retirement killers: risk, fees, and taxes.

With decades of combined experience in financial and legal planning, the father-son duo brings a holistic approach to wealth management. Their mission is simple yet powerful—to empower families to make informed decisions that lead to financial confidence and lasting security.

The First Retirement Killer: Risk

Retirement planning often begins with investments—but it shouldn’t end there. The first major threat Imran Razvi identifies is risk, particularly market volatility and longevity risk. Sudden downturns can devastate portfolios just as retirees begin drawing income, while increased life expectancy means savings must stretch further than ever before.

At Higher Ground Financial Group, Razvi and his team focus on building protected income strategies that balance growth with security. The approach Razvi prioritizes is reliability over speculation—helping clients enjoy the lifestyle they’ve worked for without fear of outliving their money.

Razvi’s philosophy is rooted in stewardship: money should serve a purpose, not create anxiety. By integrating diversified income sources, guaranteed vehicles, and tailored withdrawal strategies, HGFG helps clients spend confidently in retirement, knowing their essential needs are covered.

As Razvi explains, “When clients can remove unnecessary risk, they gain something more valuable than returns—they gain peace of mind.”

The Second Retirement Killer: Fees

The next silent threat to retirement security is fees. Hidden costs and inefficiencies can quietly drain wealth over time, leaving retirees with less income than expected. In their educational video, “The 3 Biggest Retirement Killers”, Imran and Daniel Razvi emphasize the importance of transparency. Every percentage point lost to excessive fees can have a compounding effect over decades.

As a tax attorney and Chief Operating Officer of HGFG, Daniel Razvi brings a critical eye to financial efficiency. Together, the Razvis have built a firm that bridges the gap between financial and legal planning, eliminating the disconnect that often exists between advisors, accountants, and attorneys.

This integrated structure helps uncover “money leaks” caused by overlapping services or unnecessary management costs. By streamlining investment strategies, aligning estate and tax plans, and ensuring all pieces work in harmony, HGFG delivers value that goes far beyond traditional investment management.

Their message is clear: protecting your wealth isn’t just about earning more—it’s about keeping more.

The Third Retirement Killer: Taxes

While taxes may be inevitable, paying more than necessary doesn’t have to be. The third—and often most underestimated—retirement killer is tax exposure.

Many retirees rely heavily on tax-deferred accounts like 401(k)s or traditional IRAs, not realizing that future withdrawals could push them into higher tax brackets. As Imran Razvi explains in Financial Advisor Magazine, the key is to anticipate tax implications before retirement, not after.

At Higher Ground Financial Group, strategies like Roth conversions, tax-diversified withdrawals, and coordinated estate planning are used to minimize tax liabilities and maximize net income. By integrating tax-efficient strategies into every stage of retirement planning, HGFG helps clients preserve their wealth and strengthen family legacies.

As highlighted in their Retirement Strategies resource center, this proactive approach allows clients to enjoy greater flexibility in retirement—spending confidently today without compromising tomorrow.

Faith, Family, and Financial Stewardship

Beyond the numbers, Imran Razvi’s approach is deeply personal. His life’s work has been guided by faith, family, and a belief in financial stewardship as a form of service.

Before founding Higher Ground Financial Group, Razvi and his wife led Conquered By Love Ministries, a nonprofit dedicated to supporting families through mentoring, education, and faith-based resources. This commitment to service continues to shape HGFG’s philosophy today.

As shared on his biography page, Razvi believes that true success extends beyond financial independence—it’s about using one’s resources to bless others. This belief is woven into every client relationship at HGFG, where financial strategies are built around family goals, charitable giving, and legacy planning.

The result is a firm that not only manages wealth but also helps families align their money with their values. “When families live in alignment—financially, relationally, and spiritually—they thrive,” Razvi says.

Achieving Financial Freedom by Eliminating the Killers

In his LEADERS Magazine interview, Imran Razvi summarized the process behind Higher Ground Financial Group: when you eliminate the three retirement killers—risk, fees, and taxes—you unlock the path to financial freedom.

Each threat may seem manageable on its own, but together they can quietly erode even the most carefully built plans. That’s why the Razvis emphasize coordination—between investment, tax, and estate strategies—to ensure every element of a financial plan works toward one goal: helping clients retire confidently and live purposefully.

Razvi explains that the retirement strategies developed by their team are so effective that investment professionals, insurance agencies, and even CPAs have turned to them for guidance and achieved remarkable results. “Our plans marry risk management with long-term tax strategies, resulting in higher after-tax income in retirement and a greater ability to leave a lasting legacy.”

Take the First Step Toward Financial Confidence

Whether you’re approaching retirement or already there, understanding and addressing the biggest threats to your savings is essential.

To learn more about how Imran and Daniel Razvi help clients protect their wealth from risk, fees, and taxes, visit Higher Ground Financial Group to schedule a consultation.

By taking proactive steps today, you can secure not just your finances—but the legacy you leave for generations to come.