Cover Your Assets with Logan and Don
What You Own Is Only Half the Story: Why Asset Location Matters for Taxes and Retirement
You may know what you own—but do you know why those investments are held in those particular accounts? This week on Cover Your Assets , Logan and Don break down the often-overlooked difference between asset allocation and asset location, and how where investments are held can affect taxable income, tax efficiency and what you ultimately get to keep. But that’s only part of the conversation. They tackle RMDs, Roth conversions and tax-loss harvesting, then shift from accumulating money to actually living on it: Where will your retirement paycheck come from? What happens when markets fall? And could being too afraid to spend become its own retirement risk? Logan and Don also ask a deceptively simple question: What is your advisor actually doing for the fee you pay every year? They discuss risk, hidden costs, Social Security, ongoing planning and why “nothing changed” should be an intentional decision—not evidence that nobody looked. And finally, they turn to estate planning, including the mistake that can undermine even a beautifully drafted trust: failing to properly fund it and coordinate your assets and beneficiaries with the plan. Because retirement planning isn’t one account, one investment or one decision. The pieces need to work together.
