Retirement on Autopilot: IRS Time Bombs, Lazy Advisors, and Plans That Break Quietly

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.