Opinion-Based vs. Contract-Based Assets: The Retirement Diversification You Didn't Know You Needed
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Opinion-Based vs. Contract-Based Assets: The Retirement Diversification You Didn't Know You Needed
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About this listen
In this eye-opening episode of Optimize Your Retirement, Daniel and Raz Razvi—your father-and-son fiduciary team at Higher Ground Financial Group—break down the real difference between opinion-based and contract-based assets. You’ll learn why not all “diversification” is created equal, how to spot the hidden risks in your portfolio, and why today’s rising interest rate environment could be the perfect time to refinance your retirement income.
Highlights include:
- Why 96% of stocks historically perform no better than Treasury bills
- What “opinion-based” assets are—and why they dominate most retirement portfolios
- How to identify truly diversified contract-based options (like annuities and rental contracts)
- Real client stories of annuity refinancing: cutting fees and increasing income by 50%+
- The risk of getting tax plans from non-attorneys—and how to get real, actionable advice
Ready for your free analysis? Visit RiskFeesTaxes.com and schedule your free video consultation.
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.