 Tax attorney Daniel Razvi and his father, Raz, have a passion for guiding people towards financial freedom by helping individuals understand and reduce the three biggest retirement killers, risk, fees, and taxes. Now, let's begin. Here's your host, tax attorney Daniel Razvi. Welcome back to the show. I'm Daniel Razvi. And I'm Imran Razvi. I go by Raz. Yes, and our company is Higher Ground Financial Group.