I have a husband and wife. Husband has a business, of course his income fluctuates. Good months, bad months, but overall makes a good income. He has no retirement savings. He's on two blood pressure meds, other than that he's healthy. He's also eating better to kick the meds. Wife is overall healthy. Customer wants something with a savings plan attached, something he can start saving for retirement. What would you suggest for client to help him? I thought about WL? They're married, but their kids are grown, so he doesn't need to leave kids anything and they own their house free and clear. He's worried about retirement. I just don't think he can afford a Annuity. Or am I over thinking it? What would you suggest?