Which of the following candidates may not be appropriate for an income annuity due to the illiquidity of the product: A 35-year-old single woman who does not have an employer-sponsored Pension Plan and is interested in creating guaranteed income to protect herself in retirement. A couple in their mid-60s who would like to supplement their Social Security income. A single man in his late 20 s who has no emergency fund and minimal retirement savings. A couple in their late 40 sho have maxed out their 401(k) contributions