I work with two types of people: 1. folks within a 24 month window of retirement trying to make sure their income can be maximized using strategies that are sound not left up to just chance, and 2. folks trying to determine how to get themselves in an optimal position with their savings to not just accumulate a sum of money but have that money produce the desired income, liquidity, and legacy in that order of priority.. Financial Planning,Life Insurance,Disability Income Insurance,Long Term Care Insurance,Investment Management,Annuities