Are you loyal to your advisor—or just stuck? In this episode of Cover Your Assets, Logan Marcus and Don Spini call out lazy advising, mutual fund complacency, and the false security of “set-it-and-forget-it” portfolios that quietly finance your advisor’s retirement instead of your own. They break down the difference between owning real companies and being pushed around inside pooled funds, explain how registered index linked annuities (RILAs) offer growth with guardrails and annual resets, and show why Roth conversions must work hand-in-hand with your estate plan so the IRS does not become your largest beneficiary. If your retirement plan has not been actively structured, stress-tested, and integrated, this episode connects the dots most firms leave scattered.

In this episode of Cover Your Assets, Logan and Don take on the most expensive retirement mistake of all: doing nothing. From unfunded estate plans and lazy advising to the ticking tax time bomb inside traditional IRAs, they break down how procrastination quietly benefits the IRS and underperforming advisors — not you. Retirement should not feel like an oasis you never reach. With real income planning, tax strategy, and proactive guidance, it becomes achievable — not theoretical. If you have been waiting to “deal with it later,” this conversation is your wake-up call.

Most “estate plans” are just paperwork until they are funded, beneficiary designations are cleaned up, and powers of attorney actually work when life happens. Logan Marcus and Don Spini break down the trust-funding gap that blindsides families, then pivot to the other quiet threat: big IRAs that are really a joint account with the IRS, and how strategic Roth conversions can keep taxes and Medicare penalties from detonating later. Finally, they call out the industry problem nobody says out loud: advisors who are great at helping you save, but have no real income plan beyond the outdated 4 percent rule, and get paid whether you retire confidently or stay stuck. If your plan has not been coordinated, stress-tested, and updated, this episode shows what fails first and how to fix it.