Mal Reynolds owns a transportation company. She feels like she is being pulled in too many directions as she tries to run her company. As with all entrepreneurs, she is concerned with government regulation, fending off competitors and satisfying clients. She also has to acquire new clients/passengers, meet payroll for her crew, cover her expenses, and maintain her vehicle. She doesn’t have time to think about the future, much less plan for it. She would like to start a retirement plan for herself and her employees. Her line of business has some inherent risks and she would like to learn about insurance: life, medical, disability and business.