Cover Your Assets with Logan and Don

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This week, Don Spini and Logan Marcus break down what that difference actually looks like—outdated portfolios running on autopilot, forgotten 401(k)s sitting uncoordinated for decades, retirement income planning, estate planning, and proactive fiduciary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

Will your family inherit wealth—or a tax problem? On this week's episode of Cover Your Assets with Logan & Don, we discuss the Great Wealth Transfer and why inherited IRAs, beneficiary designations, and poor tax planning can leave families with unexpected tax burdens.

We also explore Roth conversion strategies, widowhood tax traps, and how to keep more of your hard-earned assets in the hands of your loved ones instead of the IRS.

Plus, is retirement really a math problem? We discuss why confidence, behavior, and income planning often matter more than investment returns alone. Finally, we examine why market volatility is not usually what derails retirement plans—emotional reactions, panic selling, and poor decision-making are often the real risks.

Learn how proper planning can help create greater confidence, reduce taxes, and keep you on track through changing market conditions.

Think your advisor is doing a great job? If you only meet once a year (or less), that's your first red flag!

This week, Logan and Don expose the biggest retirement planning gaps they see every day; from advisors managing investments without a real income plan to missed tax-saving opportunities, outdated estate plans, and costly beneficiary mistakes.

Learn the five retirement mistakes that can quietly derail your future, how to know if your advisor is earning their fee, and why having money is not the same thing as having a plan.

Are you building your retirement or your advisor’s? Find out in this episode.

Your IRA isn't all yours. The IRS is your silent partner — and they didn't ask permission. This week Logan and Don pull no punches. They're breaking down how to evict the IRS with a Roth conversion before the tax sale ends, how to build an income blueprint so you know exactly what you can spend without running out, and why skipping your estate plan doesn't protect your family — it leaves them a legal scavenger hunt while they're grieving. Taxes are on sale. The window is open. And doing nothing is still a decision — it's just the IRS's favorite one. Your family will inherit one of two things: clarity or chaos. This episode decides which.