I would see my client raising a glass to make a toast of congratulations, and know that they need an immediate introduction to Rhonda Jones.  They could be toasting a new baby, and will need to have a college fund set up.  They could be toasting a marriage, in which case Rhonda's meetings to discuss joining finances wcould be in order.  They could be toasting a new job and need advice on what to do with their retirement benefits package.  They could be toasting retirement, and would need Rhonda to make sure they are on the right track to not run out of money.  Finally, they could be toasting at a funeral for a loved one who has passed, and need advice on funds that they will be inheriting.  She does a fantastic job in all matters involving financial planning.