Typical Client

• Prefers Fiduciary Standard rather than "Suitability"
• Often in several financial products and services without an integrated understanding of them.
  
• Usually does not have an up-to-date Written Financial Plan
• Frequently does not have a "Fiduciary" entity or individual
  (One person or firm who has reviewed everything)
• Interested in evidence-based financial planning
• Seeks transparency of expenses, costs, adviser compensation.
• Interested in available choices of (joint) Guaranteed Lifetime Income
• Seeking advice about a 401(k) upon retirement & / or job change