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Roth Conversions Explained by a 4-Year-Old (Seriously)

Roth Conversions Explained by a 4-Year-Old (Seriously)

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In this heartwarming and insightful episode of Optimize Your Retirement, Imran and Daniel Razvi—your trusted father-son team at Higher Ground Financial Group—tackle one of the most powerful retirement strategies: the Roth conversion. Inspired by a real-life conversation with Daniel’s 4-year-old daughter, this episode breaks down Roth conversions in simple, relatable terms that even a preschooler can understand.

Inside this episode:

  • Why paying taxes now might save you 10x later
  • How Roth conversions reduce future taxes, Medicare premiums, and Social Security taxation
  • What the new Roth contribution rules mean for your 401(k), TSP, or 403(b)
  • The risks of converting without a plan—and why market losses after a conversion can be a costly mistake
  • How to protect your converted dollars from volatility
  • Why working with a tax attorney is critical for long-term planning (not just yearly tax prep)

Ready to run the numbers on your own Roth conversion? Visit RiskFeesTaxes.com to schedule your free video call with our fiduciary team of tax attorneys and retirement experts.

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.

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