How much disability and life protection do you need? Discuss the amount you chose and why you feel it is sufficient.

At what point in a person's life is disability insurance more important than life insurance?

Which specific types of insurance do you recommend and why?

Is there a different type of investment, other than life insurance, which you could use to protect assets and or dependents?

What is the "needs based approach"?

Estimate your retirement needs and discuss how to meet your goal through savings and investments.

Estate planning: Summarize the benefits of preparing advance directive documents.

List the questions and documents needed to simplify the settlement and transfer of your estate.

Please list the question and post the answer under it.