Rick,

I now live in Arizona between Phoenix and Flagstaff, near Prescott.  I lived in Utah most of my adult life, went to college in St George Utah (south) and Ogden Utah, north.  I am very familiar with the area.  I looked you up online, I lived in your neck of the woods from 5th thru 8th grade.  My dad was at the Pentagon.  I went to Kings Park Elementary (off Braddock Road) and Robert Frost Junior High (right next to Woodson High School).  I assume you will know about where these are. 

I agree with what you said about my clients IRA and RMD but he wants it to last as long as possible....so I have no say.  He knows what is best ya know....

And as for the missing people.  I won't tell anyone....I promise!  LOL

Janis