What’s the history?What’s the opportunity?What am I talking about?What are the implications of your financial plan when you try to go it alone?What about economies of scale?What about the tax advantages of joint filing?What are the other benefits?What about net worth?What did the Federal Reserve survey of consumer finances say?What happens in divorce?What patterns has Mark observed?How about a case study?What is the best gift?What does the relationship help you become?What offers guaranteed growth and protection?What about funding life’s milestones?What about legacy building for future generations?What about tax advantages?Who wants to send a valentine to the I.R.S.?What about dreams and goals?What about gifts?What does everyone want this year?