You have an advisor. A CPA. A 401(k). Maybe an estate plan.

But is anyone actually connecting the dots?

This week on Cover Your Assets, Logan Marcus and Don Spini expose the costly gaps that can happen when your financial professionals work in silos — and why a collection of accounts isn’t the same thing as a retirement plan.

Plus: the little-known 401(k) option that may give you access to professional management while you're still working, how to build a paycheck designed to last through retirement, and why Roth conversions could help keep the IRS from becoming your biggest silent partner.

Your money doesn’t live in separate boxes. Your financial plan shouldn’t either.

You pay the advisory fee year after year—but what are you actually getting for it?

This week on Cover Your Assets, Logan Marcus and Don Spini challenge listeners to look beyond investment performance and ask whether their advisor is actually delivering the planning, communication, strategy, and support they’re paying for.

They break down how to turn retirement savings into a reliable lifetime income plan, manage market and sequence-of-returns risk, and coordinate Social Security and withdrawals. Then, they tackle taxes and measured Roth conversions, including how proactive planning can help manage future RMDs, Medicare premiums, and retirement taxes.

Finally, they turn to estate planning—why it’s about more than what happens when you die, how proper planning can protect your family during incapacity, and why a trust needs to be properly coordinated and funded to actually work.

Your investments, income, taxes, and estate plan shouldn’t operate in isolation. Your retirement deserves a plan that connects them all.

What if one of the biggest opportunities in your retirement plan has been there all along?

Most people assume they have to choose from the limited investment options offered inside their employer's 401(k) until they retire. But depending on your employer's plan, you may be able to continue contributing, keep your employer match, and have your 401(k) professionally managed—all without rolling your money out of the plan.

In this week's episode of Cover Your Assets, Logan Marcus and Don Spini explain this little-known retirement planning strategy, discuss why forgotten "orphan" 401(k)s deserve another look, explore how Roth conversions can help reduce future taxes, and explain why your estate plan isn't complete unless it's properly funded.

Retirement isn't about managing accounts in isolation. It's about connecting your investments, taxes, income strategy, and estate plan into one coordinated financial roadmap. The question is: Is your advisor helping you connect those dots?

Inflation isn't just changing what you pay at the grocery store—it's changing your retirement.

This week on Cover Your Assets, Logan Marcus and Don Spini explore how skyrocketing home values, rising property taxes, and increasing housing costs are reshaping retirement planning for millions of Americans. They explain why your home, investments, taxes, and estate plan should never be managed in separate silos.

You will also learn how RILAs can help balance growth potential with downside protection, why Roth conversions may help reduce future taxes for both you and your beneficiaries, and the costly mistake many families make by assuming their estate plan is finished when it isn't.

The episode wraps up with an honest look at financial advisors and a simple but important question: Are you paying for real advice—or just paying a fee?

The biggest retirement mistakes usually aren't dramatic. They're the result of disconnected planning that quietly compounds over time.

What if the greatest threat to your retirement is not market volatility—but the advice you are following?

This week on Cover Your Assets, Logan Marcus and Don Spini challenge some of the most common assumptions in retirement planning. They explain why generic withdrawal strategies, one-size-fits-all advice, and managing investments without a written income plan can quietly undermine an otherwise successful retirement.

The conversation also explores when it may be time to seek a second opinion, why tax planning and estate planning should never exist in separate silos, how Roth conversions can reduce future tax burdens, what the end of the fiduciary rule means for investors, and the questions everyone should ask before rolling over a 401(k).

Because the biggest retirement mistakes usually are not made during a market downturn—they are made years earlier, when critical planning opportunities are overlooked.

There's a difference between managing a portfolio and planning a retirement.

This week, Don Spini and Logan Marcus break down what that difference actually looks like—outdated portfolios running on autopilot, forgotten 401(k)s sitting uncoordinated for decades, retirement income planning, estate planning, and proactive fiduciary advice.

The takeaway: none of it works if it's handled in silos.

They also cover the questions every investor should be asking their advisor, why a second opinion could be one of the smartest financial moves you make this year, and how to tell whether your advisor is actively planning for your future—or just managing your portfolio.

Retirement should bring confidence—not constant worry. So why are so many retirees anxious every time the market moves?

This week, Logan and Don explain why retirement stress is often not a market problem at all—it is a planning problem. They discuss how the right income strategy can help reduce anxiety during market volatility, why every dollar in your portfolio should have a specific purpose, and how proper planning can change the way you experience retirement.

They also uncover the hidden cost of IRMAA and how Medicare premium surcharges can quietly impact your retirement, explain why working with a true fiduciary matters, and share the questions every investor should be asking their financial advisor.

If you are relying on your retirement savings to support your lifestyle, this episode will help you understand how a coordinated retirement plan can provide greater clarity, confidence, and peace of mind—regardless of what the markets are doing.

Think your retirement plan is solid because someone told you to follow the 4% rule? Think again.

This week on Cover Your Assets, Logan Marcus and Don Spini expose why retirement is far too complex for rules of thumb. They explain how sequence of returns risk, Required Minimum Distributions (RMDs), and poor withdrawal strategies can quietly derail even a seven-figure retirement.

They also uncover one of the biggest blind spots in retirement planning: the disconnect between your investment strategy, tax plan, and estate plan. Plus, they break down what the end of the fiduciary rule means for your 401(k), why every dollar in retirement needs a job, and the warning signs that it may be time to find a new financial advisor.

If your advisor has never built you a written income plan, shown you how to reduce future taxes, or explained where every retirement paycheck will come from, this episode is for you.

Retirement is not about accumulating money. It is about turning your life's savings into lasting income—and protecting it every step of the way.

The biggest retirement mistakes rarely happen in the stock market.

They happen when families inherit an IRA without understanding the tax rules, stay loyal to advisors who stopped doing the work years ago, put off estate planning until a crisis forces their hand, or retire without ever seeing a written income plan.

This week, Logan and Don break down the costly mistakes they see every day, explain how to avoid them, and show you how thoughtful planning can help protect your wealth, your family, and your legacy.

The most expensive retirement mistakes are almost always preventable—if you catch them before they catch you.

Wall Street taught investors to focus on account balances. Retirement requires a different conversation.

This week, Logan and Don discuss why income matters more than accumulation, why delaying estate planning can create unnecessary taxes, costs, and stress for your family, and what your advisor should actually be doing to earn their fee, and.

After all, your advisor got paid last year—but did you get your money's worth?

Learn why income planning, tax strategy, estate planning, and trust funding often matter more than investment performance alone.

The families who retire best are not always the ones with the most money—they are the ones with the best plan.