Man, you are focusing tooo much on just investing. dont forget when you're investing someones money, you are handling their life. 1. Do they have an existing will. 2. Power of Attorney. 3. what are the current liabilities ( total debt-including mortgage on their house and business + any outstanding business loans) 3. current asset. 4. what is their monthly expense ( as of now personal + business) 5. will their be any significant changes in their life style ( dont belive if they say no) 6. how old are the kids 7. what do they have now ( life insurance, mutual fund, CD, disability,HOW MUCH) 8. What is their current tax bracket ( without the lottery money) 9. what is the compnay listed under( is it a c-corp, s-corp, ll,personal) 10. any existing trust in place. 11. how do they feel about retiring ( what age) 12. if they were to die tomorrow, where would they want the money to go. 13. after they retire, how much of current money do they want to recieve.