Angela Wisnowski answered a phone call from a man who said he was just about to receive a sizeable inheritance and he wanted information on the different types of savings accounts, certificates of deposit, and whatever other investments she might be able to suggest that would be safe, but earn decent interest. She explained there were quite a number of choices and asked if he'd like to come in and sit down with her to discuss them. He was leaving on a trip as soon as the money arrived, he said, and had a lot of arrangements to make. So she began suggesting some of the possibilities and giving him details of the interest rates, what happens if you sell a CD early, and so on, while trying to pin down his investment goals.