explain how you would position the applicable and needed insurance solutions to fit both the clients budget and needs for the following instances:

Winston and Neisha have been married for almost 40 years. Neisha is 60 and Winston is 63. Neisha works in HR with her present company and has $300,000 in retirement savings. Winston works for the state government which provides him a pension of $1,500 per month (100% transferrable to Neisha) and $200,000 in a 457b plan. They have no debt and full health care benefits through Winston. They will have $2,500 per month combined Social Security income, no debt, and monthly expenses of $5,000. They plan to retire when Winston is 65 years old.

Austin and Jenifer are both 35 years old with two (2) children ages 7 & 9. Austin works as an IT Manager with a medium-size firm and his salary is $120,000 annually. Jenifer stays at home with their children and works part-time earning approximately $10,000 to $15,000 a year. They had no other debt except their home for which they owe $260,000. Austin has a present 401k balance of $100,000 and a Roth IRA with around $50,000 which they plan to use for college. Their family is covered under a company-provided health care plan. Their monthly expenses usually trend around $6,000 per month. They are in the 22% federal tax bracket and live in a state with no sales tax.