“Super” Pre-Retirees: Younger professionals with discretionary income who are already in the habit of making good financial choices but are ready to take their financial planning to the next level – characterized by a willingness to defer gratification to achieve future objectives.
Pre-Retirees: Those within five years of retirement who need to pull together their various income streams to insure that there will be enough to provide the best possible lifestyle – characterized by a willingness to learn how to maximize their retirement options.
Life Changes: Those who experience a life-changing trigger event such as an inheritance, illness, divorce or death in the family – characterized by the need of assistance in figuring out how to adjust financially to a new life reality.