The Hidden Cost of “Good Enough”: Fees, Fake Diversification, Lazy Advisors, and the Retirement Plan That Was Never Built episode artwork

EPISODE · Mar 20, 2026 · 55 MIN

The Hidden Cost of “Good Enough”: Fees, Fake Diversification, Lazy Advisors, and the Retirement Plan That Was Never Built

from Cover Your Assets with Logan and Don · host Sun Valley Wealth

What looks “fine” on paper is often where retirement plans break down. In this episode of Cover Your Assets, Logan Marcus and Don Spini expose hidden fees, the illusion of diversification, and advisors who default to convenience over strategy. They challenge the myth of choosing between safety and growth and explain what a real portfolio should do. But the real issue is lack of coordination—no true income plan, unfunded estate documents, and tax strategies that ignore IRA consequences. If your plan has not been fully aligned, you do not have a strategy—you have assumptions.

What looks “fine” on paper is often where retirement plans break down. In this episode of Cover Your Assets, Logan Marcus and Don Spini expose hidden fees, the illusion of diversification, and advisors who default to convenience over strategy. They challenge the myth of choosing between safety and growth and explain what a real portfolio should do. But the real issue is lack of coordination—no true income plan, unfunded estate documents, and tax strategies that ignore IRA consequences. If your plan has not been fully aligned, you do not have a strategy—you have assumptions.

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The Hidden Cost of “Good Enough”: Fees, Fake Diversification, Lazy Advisors, and the Retirement Plan That Was Never Built

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This episode was published on March 20, 2026.

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What looks “fine” on paper is often where retirement plans break down. In this episode of Cover Your Assets, Logan Marcus and Don Spini expose hidden fees, the illusion of diversification, and advisors who default to convenience over strategy. They...

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