
    Given a client's n distinct financial goals, determine the number of different ways these goals can be grouped into separate investment and savings strategies, where each goal must be assigned to exactly one strategy and empty strategies are not allowed. The grouping should help create personalized financial planning recommendations based on the client's spending habits and life objectives.
    

    
def bell_number(n):
    """
    Given a client's n distinct financial goals, determine the number of different ways these goals can be grouped into separate investment and savings strategies, where each goal must be assigned to exactly one strategy and empty strategies are not allowed. The grouping should help create personalized financial planning recommendations based on the client's spending habits and life objectives.
    

    """
def bell_number(n):
    """
    Given a client's n distinct financial goals, determine the number of different ways these goals can be grouped into separate investment and savings strategies, where each goal must be assigned to exactly one strategy and empty strategies are not allowed. The grouping should help create personalized financial planning recommendations based on the client's spending habits and life objectives.
    

    """
    bell = [[0 for i in range(n + 1)] for j in range(n + 1)]
    bell[0][0] = 1
    for i in range(1, n + 1):
        bell[i][0] = bell[i - 1][i - 1]
        for j in range(1, i + 1):
            bell[i][j] = bell[i - 1][j - 1] + bell[i][j - 1]
    return bell[n][0]