All the effort that financial planner Ty Tannick has spent chasing prospective billionaire client Lou Sitania is about to pay off.

Lou, the prospect, has a winter home on St. Thomas, in the U.S. Virgin Islands. He is ready to do his financial plan and make some big adjustments in his investment portfolio, but he’s not willing to travel to Boston in February.

Ty sees this as an opportunity to leave chilly Boston, and grab a little rest and relaxation on a cruise ship. So he books a five-day, four-night cruise to St. Thomas.

When he arrives in St. Thomas, Ty stays in a hotel and meets with Lou for two days to complete the financial plan. Then he returns to Boston by airplane.

Before getting to the question, here’s a summary of Ty’s travel, by nights away from home:

One night in Miami before boarding the cruise ship to St. Thomas

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