Financial services, namely, advising and providing individuals with financial concepts for accumulating and or preserving sufficient liquid assets, to generate the necessary income for an individual's total living expenses during retirement years, taking into account the following financial factors: the numbers of working years to retirement, known as "the term", the fixed annual interest, savings, or investment rate, during the term, the amount the client can or may wish to obtain on a "retirement mortgage" which will aid the client in meeting financial needs and goals during the retirement phase of life