When I first meet with clients, I ask them what their goals, needs and wants are. For example, with a spouse who has stayed home to raise children and has stayed out of the workforce may need more funds up front for a shorter period of time while he or she obtains the training or education needed to re-enter the work force. Others may have the need to eliminate debt and would rather have less support or less assets if certain marital debts are paid on their behalf. Whereas