Control Is Not What You Think: Advisory Structures, Mismanaged 401(k)s, and the Cost of a Disconnected Plan

Your advisor may not be as independent as you think. Your 401(k) may not be doing anything at all. And your plan may not actually be a plan. In this episode of Cover Your Assets, Logan and Don break down the hidden structure behind advisory firms, the limitations most clients never see, and why control matters more than credentials. They dig into the reality of old 401(k)s left unmanaged, portfolios built without intention, and strategies—like registered indexing—that many investors arenever shown. But the biggest risk is not what is in your portfolio. It is the fact that nothing is connected. If your retirement depends on accounts instead of a coordinated strategy, this episode will show you exactly where things tend to break and break down.