The client who can best take advantage of my services is age 40 – 60. He or she has a family income of $200,000 or more. My client is very serious about saving and investing to reach the goal that 95% of Americans have not reached, which is a level of independence and lifestyle worth the sacrifice. My client recognizes that minimizing taxes is the main issue in reaching this goal. Generally, a level of growth of 8% per year is needed. My client is risk-sensitive but recognizes that having a risk versus reward of 1 unit of risk for 2 – 3 units of reward puts risk in the proper perspective.