If Your Retirement Plan Fits on a Cocktail Napkin, You Don't Have One: The Truth About the 4% Rule, RMD Traps & the Fiduciary Loophole

Think your retirement plan is solid because someone told you to follow the 4% rule? Think again.This week on Cover Your Assets, Logan Marcus and Don Spini expose why retirement is far too complex for rules of thumb. They explain how sequence of returns risk, Required Minimum Distributions (RMDs), and poor withdrawal strategies can quietly derail even a seven-figure retirement.They also uncover one of the biggest blind spots in retirement planning: the disconnect between your investment strategy, tax plan, and estate plan. Plus, they break down what the end of the fiduciary rule means for your 401(k), why every dollar in retirement needs a job, and the warning signs that it may be time to find a new financial advisor.If your advisor has never built you a written income plan, shown you how to reduce future taxes, or explained where every retirement paycheck will come from, this episode is for you. Retirement is not about accumulating money. It is about turning your life's savings into lasting income—and protecting it every step of the way.