You are a CPA and you have a client that has just won a $10,000,000 lottery. The client is not financially experienced and comes to you for advice. He has the option of receiving the winnings annually for 30 years or taking a lump sum payout discounted at 6%. In order to advise him, you must consider his relative inexperience with managing large sums of money and other factors as well. You research other lottery winners so you can give him some "worst-case" examples. You calculate the best financial deal for him but recognize that this is both a quantitative and qualitative decision.

What questions would you ask your client? What advice would you give your client?