Only YOU could choose the most appropriate plan for them, just as Uncle Sam is the only man who can set up a social safety net of things like the great and string Social Security, or Medicaid, or Medicare, or RRA, or Federal Pensions. Yes, mas-tuhs!
Or ....
Perhaps you might better thing of those folks with you as as ASSOCIATES, or even as partners and peers, and see that they can and SHOULD do these things for themselves as such things have NOTHING to do with your business.
WOW
You reached an amazing conclusion about my post....
It’s so far out there, that I won’t waste your time or mine to try to discuss this further.