Please welcome, for the first time on our show, financial advisor Darren Worthington! David and Darren unpack the latest retirement planning pitfalls and tax policy shifts, starting with a dramatic IRS ruling that could upend Roth conversions. They explain why this matters for high-net-worth savers and how Congress may—or may not—intervene. Plus, hear why investing without a plan is like running with scissors, and how a smarter strategy can protect your retirement future.