Mr. Lateindagame comes in on March 12th and has $15,500 he wants to invest for retirement. He is 52 and tells you he hates the IRS and those sons of guns "betta not touch his retirement!" He works hard and makes $44,000/year at a job with no retirement plan. What should you do?

Mr. and Mrs. Newlove, your life insurance clients, just had a baby. They want a college fund, but they want to control the money when the child turns 18 just in case he doesn't "ack right," and also want the option of giving it to another child because they plan to have six. What option would you suggest?

Dr. Fixhearts is 64, has $1 million dollars to invest and does not need it for at least 6 years. He wants to get the maximum income at 70 and has a family history of descendants that lived to be 100. His son is a doctor as well and promises to help him with retirement needs in the future. What would you suggest?

Mrs. Fofourfo comes to your office for advice. She has survived four husbands and has money saved that she would like to invest. She is risk adverse, and believes the market could drop and not recover for the next five years, but wants to possibly make some money. She wants to leave the money for her four children's estate. What would you recommend.

Mr. Tiedofwerkin wants to set up a retirement plan in January. He has $500/month he can invest and is sick of paying higher taxes now because he has no write-offs. He is single with no home or dependents. He does have a matching 401(k) at his job that he is not contributing to. What would you recommend?

Mrs. Bernyoeges is a self-employed cosmetologist with 2 employees, a receptionist and an assistant that doubles as a shampooer and dryer. She rents additional booths to two stylists. She wants a retirement account and is willing to contribute for employees as long as her plan costs are low. She doesn't want employees to contribute. What would you recommend?

Your deacon and trustee board come to you because they heard you sell "surance" and do investments. You ask more questions and they tell you they want retirement plans for the staff and the pastor, but they don't want the "cherrch" to have to put in any money. You tell them you would be happy to assist with a __________ pre-tax contribution plan.

Mr. Jones is expecting to be in a lower tax bracket in retirement and wants to lower his current adjusted gross income. He likes the idea of the Roth IRA better because he can get retirement income tax free. He makes $165,000 per year as a corporate executive and is single and ready to be a sugar daddy. What could you recommend?

Mr. Cashem Value meets with you and said he wants to get a WL policy because he can get tax free income, have guaranteed growth, and money for retirement. What do you tell him?