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I met a guy last September 25, 2014, he is 57 years old, an engineer and currently working in one of the electric companies in the country. He is a very responsible person and wanted to secure his family's future and at the same time, wanted to have a comfortable life when reaching age 65 and up for he do not want to be at the mercy of his children asking money for his survival. Though he is 57 already but for him, it is not yet too late to plan for his retirement. He consulted me what financial solution I can give if he will allocate 30K a year that is payable for 10 years only. After identifying the needs and present the solution, there he made a decision. He truly believes the importance of continuous savings.