2. Your hypothetical client knows nothing about Individual Retirement Accounts (IRAs). Explain to him or her the general goal of IRAs and what distinguishes a Traditional IRA from a Roth IRA. I 3. Discuss the goal of a managed care organization (i.e., HMO and PPO) and what distinguishes the HMO and PPO. In other words, identify the key differences between the two types of managed care organizations. For example, comment on the need to get a referral to see a specialist