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hi this is Greg Maxwell with amicus settlement planners today were going to do a very brief overview of the options for your clients to allocate their settlement proceeds so what are your clients options at the time of settlement in terms of them allocating their settlement proceeds amongst the different financial vehicles that are available to them so as you all know and as we have learned through many years of experience settlement recipients are generally not typical financial planning clients theyre not small business owners dentists doctors that have some level of financial sophistication and of course Im generalizing there are certain plaintiffs that certainly are but there is certainly a unique type of financial planning client and so they need a certain type of financial planner to help them understand what their options are dissipation control is very important in analyzing injury victims and settlement recipients a lot of them are brain injured a lot of them have never ha