Charles Schwab hosts small group information sessions at senior centers to help customers age $70$ and older to understand how buying annuities can help these customers generate reliable retirement income. This group is typically less educated than most of their customers, more suspicious of new ideas, and wants to only consider the types of investments they have done in the past. For Schwab, the primary target market for this investment product, in terms of the adoption curve are the

innovators

early adopters

early majority

late majority

laggards