I remember many years ago as a young man when I was selling insurance and investments for Prudential-Bache, the manager told us that we would probably be selling to people within a minus or plus ten years of our current age. As I have gotten older over the years, I have found some truth in this axiom. Most of my clients today, not all, are within a minus or plus ten years of my age. And as I and my clients have gotten older, our focus on things we thought important earlier in