Cover Your Assets with Logan and Don

Logan Marcus and Don Spini explore how emotion drives nearly every financial decision—from overspending to avoiding portfolio reviews. They share practical ways to replace guilt and anxiety with discipline, showing listeners how to create healthier money habits that make financial goals attainable year-round.

Logan talks about starting retirement planning early in the financial red zone with extra savings efforts and good strategies with your savings vehicles.  The discussion then shifts to the need to have a contingency plan in the event of an earlier than expected retirement.

It’s not asking too much to be happy in retirement.  Proper planning can help lead to that.  That’s the topic of conversation as Logan discusses the freedom of being debt free, having a good spending plan, clearly communicating with your spouse, and having diverse income sources.  This podcast also addresses some important facts about annuities.

Logan covers some potentially dangerous mistakes to avoid in retirement planning including thinking you can beat the market, keeping all money in cash, and improper diversification.  Also covered in the podcast are opportunities to start a business in retirement and the need to embrace technology in this new phase of your life.

Logan covers tax strategies that are available for those 50 and older and are critical to consider on that journey to and through retirement.  She also talks about solutions to retirement roadblocks and offers tips on how to better understand and maximize your 401(k).

Logan covers some sound savings strategies to consider implementing when you’re nearing retirement such as funding that 401(k) to the max, rethinking your 401(k) assignments, and looking at traditional and Roth in determining what may work best for you.  Also covered in the podcast are some good strategies for that transition to a safer mode in your financial life.

Logan highlights some reason why your financial education shouldn’t stop once you hit retirement.  The discussion included factoring inflation, planning for healthcare costs, and staying on top of legal changes in the retirement universe.  She also talked about dividend stocks and information a financial professional will need from you in order to build a stronger retirement plan.

Spouses may not be totally on the same page when nearing retirement.  Logan discusses areas of compromise that may be necessary in consideration of budget, lifestyle, risk, and even whether to stay or move.  She also acknowledges that market volatility can make you feel like you’re on an emotional rollercoaster.  Logan offers tips to else ease the anxiety.

Logan discusses a Bankrate survey that shows a good number of Americans are significantly behind on their retirement savings.  How can you get back on track?  Listen for tips here.  Decumulation:  What is it?  Logan, Don, and Bert define it and discuss good strategies to consider when you are enter this phase of your financial life.

Logan goes over some suggested strategies starting when you are five years away from retirement including building that emergency fund, paying off debt, creating a budget, and working with a professional.  The conversation also includes proactive tax strategies to consider such as utilizing life insurance, considering Roth options, partial in-service rollovers, and fixed-index annuities.

Logan covers that early stage when you first retire and what you should be considering with the goal of staying on track. Some suggested moves include managing your cash flow, finding a good balance between growth and income, and managing taxes.  What happens if you face retirement earlier than planned?  The conversation centers around assessing the financial impact, making sure you have health co...

Logan discusses why some people feel they may need to delay their retirement start date.  Some reasons cited in a recent Gallup poll include insufficient savings, worry over taxes, too much debt, and not wanting to leave money on the table.  When factoring longevity, the reasons to adopt strategies to avoid running out of money in retirement become even more critical.  The discussion in this podca...

Logan, Bert, and Don cover tips to help maintain your spending power even when inflation is high.  They talk about doing an in-depth budget analysis and looking for spending power.  They also stress building in that income you can count on.  They also discuss steps in helping ensure you can maintain the lifestyle in retirement that you’ve been accustomed to.

Logan, Bert, and Don discuss how to approach a withdrawal rate in retirement in a safe manner.  They also look at good strategies to boost your savings in the financial red zone.  They stress to take longevity seriously, build that savings safety net, and to understand inflation and proper diversification.

What do you do and what can you do with that 401(k) when you retire?  That’s part of the discussion in this podcast.  Logan, Don, and Bert cover qualified distributions, The “Age 55” rule, whether or not to let it lie, and more.  Some baby boomers are considering working longer.  Why is that?  That’s also part of the discussion.

Logan introduces and answers some common questions asked by those near and in retirement.  The questions have to do with inflation, retirement income, and budgeting.  She also faces long-term care head on in discussing some good alternative strategies and tackles some retirement bad habits.