Sophie meets Adrien, an insurance agent, for the first time. Sophie is single, 31, and earning a good income working for a large pharmaceutical company. Her employer offers her group insurance and a defined benefit pension plan (DBPP). She tells him that she has a high tolerance for risk. She has an investment account containing $750,000 in Facebook shares . Aside from her shares, she has a few thousand dollars in her chequing account, but she has not yet opened a registered retirement savings plan (RRSP). Given this information, what is Sophie's primary need? 

1. Need for income. 

2. Need for retirement income. 

3. Need for diversification. 

4. Need for estate planning