That's true Mansion, You really have to understand their goals? How much risk are they willing to take? There are different state laws you have to deal with. Most people think once they hire someone like you, you would automatically turn their investment into money making machine. They don't know how it works. And if they were to loose any single penny, they are going to blame you for rest of your life. Therefore, this is a sensitive issue, get them involve in the process. No one has time to go do research on all that securities you posted here and even if someone did, your decision should not be based on those unreliable information. Once again, it is all about, how much risk are they willing to take?