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.

Silence is not advice. A quiet fee is not real planning. Logan Marcus and Don Spini kick off the new year with a blunt reality check: too many retirees are paying for comfort instead of control. From lazy advising and missing income plans to sequence-of-returns risk, Roth tax time bombs, and unfunded estate documents, this episode dismantles the illusion that “nothing going wrong yet” means you are protected. If your retirement runs on hope, inertia, or unchecked assumptions, this is your wake-up call.