Is Your Advisor Doing Their Job? Retirement Income, Tax and Estate Planning Mistakes to Avoid

If Your Retirement Plan Fits on a Cocktail Napkin, You Don't Have One: The Truth About the 4% Rule, RMD Traps & the Fiduciary Loophole

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 Retirement Mistakes That Cost Families the Most: Inherited IRAs, Bad Advisors, Estate Planning, and Income Planning

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.

A Million Dollars Is Not a Retirement Plan: Income, Advisors, and the Lies Wall Street Sold Retirees

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? The Great Wealth Transfer, Retirement Confidence, & Market Panic Mistakes

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.

Is Your Advisor Doing Their Job? Retirement Income, Tax and Estate Planning Mistakes to Avoid

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.