Carl is a 52 year old black male. He is 5'8 and 155 lbs. He is physically fit runs every day and goes to the gym for at least hour and a half a day. He is also a widow. He married his grade school sweetheart Dawn, and she passed away from cancer. They never had any children, but each had brothers and sisters and viewed their nephews and nieces as their own, there are 8 of them they even set up trust funds for them and college funds as well. They both had excellent paying jobs Dawn was a corporate lawyer for a pharmaceutical company, and Carl was a financial consultant for an investment company. They were both smart with their finances they bought 5 rental properties at a young age, they had a nice house, made smart investments. At age 50 Dawn found out she had cancer and within 9 months she was gone. This devastated Carl and for a few weeks he just mopped around then he remembered a conversation they had where she told him to live his life and do all the things they were going to do in her memory.
He went to his boss the owner of the company he worked at and told him I am going to retire, which floored him, as Carl was one of his top consultants, the account holders trusted him and some to prove they were not racists wanted him. He told his boss I want to do the things I was going to do with Dawn. His boss asked him where was he moving, he told him Florida, a smile came across his face how about this, you retire but we have plenty of clients down there rich ones some who need hand holding, so from time to time you go see them, this way you are not completely bored. Carl agreed knowing he will still keep up with what was going on financially.
Two months later he sold his rental properties his house and took moved to a gated community in Florida. Carl been a smart man did not touch his retirement funds or his wife's, but was using the money from investments and sales of the properties he had sold to live on which totaled over 10 million dollars. Carl did a lot of research on the area before he moved in it was an hour's drive from several beaches including a nude beach and one that caters to the gay community. You see Carl is bisexual. Him and his deceased wife were swingers and nudists, and he was going to live out his life having fun.