Financial Goals and Concerns 1. They want to plan for retirement at Argo's age 68 with 80% of preretirement income. They expect to live until Argo is 95 years old and they will include Social Security benefits in any retirement needs analysis. 2. They want to carefully review and improve their insurance and investment portfolios. 3. They want to be debt free at retirement except for their mortgage. 4. They want to start 520 Plans for each of the grandchildren. 5. They want to have a properly prepared estate plan (expected to cost $1,000)