Every account must have either retirees or pre-retirees as a selected prospect type.

There are many consumers who want financial information and assistance that do not think in terms of “products” or “services” such as rollovers or annuities.

That is the way advisors think, not how consumers think.

Most consumers think of the world in terms of their own concerns, such as retirement and pre-retirement preparation (how much money will I need, what are safe ways to invest my money, how can I earn a better return?)

So we have one of those categories as being required because the average person has never even heard of "annuities" or "managed accounts"