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problem nobody says out loud: advisors who are great at helping you save, but have no real income plan beyond the outdated 4 percent rule, and get paid whether you retire confidently or stay stuck.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.

Too many retirement plans are running on autopilot—and that is exactly how they fail. In this episode of Cover Your Assets, Logan Marcus and Don Spini expose the hidden risks most retirees never see: IRAs that are really joint accounts with the IRS, Roth conversion opportunities missed through inaction, advisors who stop advising once the portfolio is built, and income strategies that rely on selling assets instead of planning. They also explain why estate plans that are signed but not funded leave families exposed—and why income, tax strategy, and estate planning must work together as one system. If your retirement plan has not been actively stress-tested, coordinated, and updated, this episode explains what quiet risks tend to surface later—and how to fix them before they do.

Too many retirement plans run on assumptions that are never challenged. In this episode of Cover Your Assets, Logan Marcus and Don Spini expose how unchecked advisory fees, poorly timed Roth conversions, income strategies built on selling assets, and disconnected estate plans quietly create risk. They explain why taxes, income, and estate planning cannot live in silos—and why plans that look fine on paper often break down in real life. If your retirement strategy has never been stress-tested, this episode shows you what most people miss until it is too late.