Your client, Zach, is 40 years old and would like to purchase and fund a PDIA using his savings account at the bank. How much will he need to initially fund the PDIA and what is the maximum limit he can contribute before turning on income at an anticipated retirement age of 67 ? He will need an initial contribution amount of at least $10,000 and can contribute up to a maximum of $2 million. He will need an initial contribution amount of at least $100,000 and can contribute up to a maximum of $3 million. He will need an initial contribution amount of at least $25,000 and can contribute up to a maximum of $3 million He will need an initial contribution amount of at least $25,000 and can contribute up to a maximum of $5 million