Title: Panic Sells. Logic Builds. Why Your Emotions, Your Cash, and Your Advisor May All Be Working Against You

If your portfolio is driving your emotions, something is off—and it is not the market. In this episode of Cover Your Assets, Logan Marcus and Don Spini break down why reacting to volatility quietly derails retirement plans—and what a properly structured strategy is supposed to do instead. They uncover the hidden tax problem inside IRAs and 401(k)s, explain how the IRS can become your largest silent partner, and walk through how Roth conversion strategies can restore control over your income and taxes. They also expose one of the biggest blind spots right now: “safe” money. Cash, CDs, and even certain alternatives may feel stable—but after taxes and inflation, they can quietly erode your purchasing power over time. And finally, they address the real red flags of a bad advisor—from lack of communication and coordination to the absence of a true income plan—so you can recognize when something is not working. Because when your investments, taxes, income, and estate plan are not aligned, you do not have a strategy—you have risk hiding in plain sight.