From Mutual Fund Myths to Roth Mastery: Stop Playing the Market, Start Owning It

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.