April is 45 years old and is an opera singer. She recently received an inheritance amounting to $100,000. Her first thought is to travel to Austria for a year and study opera in Vienna. Her brother Bill, an accountant, is concerned for her future. Bill and April have made an appointment to get your financial advice. Bill is hopeful you will be able to influence April to invest her windfall rather than spend it. During the discussion on risk profile, it becomes obvious that Adele has lost interest and is not engaged.

Suggest ways you might approach the situation and what techniques you might employ to demonstrate to April the importance of correctly determining her risk profile to assist in financial decision-making.