<prompt> Human: Family member is a 59 yr old with no plan for retirement. He makes a good living, gets paid a 1099 and has his house paid off. What would be a good plan for retirement ? 401k with some catch up ? Would an aggressive fund strategy be a good idea ? Assistant: This guy needs a retirement adviser. Someone that can look through all his finances to make a determination as to a best course of action.Does he have any savings beyond a paid off house?Human: Nothing more than 20kAssistant: Will he have the ability to save aggressively? Like thousands per month?If he is a 1099 employee can he at some point semi-retire instead of fully, to maintain some income, but also gain some more free time that Im assuming hed like.Human: Save aggressively is prob not an option. Maybe he can invest in a business...  <response>: How would he be able to invest in a business if he cant save aggressively? 