4. Discuss about traditional and Roth IRAs. Provide a specific case for each and include calculations for anticipated taxes for each as well.

5. Create a unique hypothetical client who has a pension plan with a lump sum option. The details are up to you and you can be as complex as you like. Maybe the lump sum is the best option in your scenario because the client has cancer and wants to skip chemotherapy, instead traveling the world and seeing the sunset over... Or the client has a long life expectancy and prefers the steady payments, or would prefer to invest the lump sum in a child's business venture. Whatever you want, just create a unique client scenario.

Share your thought process and recommendations for the client.