Membership Plan Options: Individuals who desire additional information may access the Economic Education Plan. Individuals who have less than $30,000 of surplus annual earnings qualify for the Starter Accumulation Plan. Individuals or spouses who are age 55 or under and have more than $30,000 of surplus earnings and $100,000 or more of annual household income and/or $250,000 of savings qualify for the Retirement Plan Maximization Assessment. Individuals or spouses who are age 56, or older, and have less than $30,000 of surplus earnings but do have $250,000, or more, of savings qualify for the Savers Risk Asset Reposition Plan. Individuals who have more than $30,000 of surplus earnings, but less than $100,000 of annual household income, qualify for the Productive Individual Plan. Individuals who have more than $30,000 of surplus earnings and $100,000, or more, of annual household income qualify for the Highly Productive Individual Plan. Individuals who have more than $30,000, of surplus earnings, and $100,000, or more, of annual household income, and have $250,000, or more, of existing savings, qualify for th Highly Productive Individual Plan. Individuals who have personal savings exceeding $2,000,000, qualify for the Highly Productive Individual Distribution or Endowment Creation Plan.