What do you recommend to Maryanne and Bob on the subject of retirement and estate planning regarding:

1. The major steps in the process to determine the amount of Maryanne and Bob’s retirement savings goal?

2. How Bob’s net income could be invested in a personal tax-sheltered retirement account?

3. The kinds of investment accounts into which they might put additional money over the next 23 years if they determined they needed $1 million to meet their retirement savings goal?

4. The investment strategies that Maryanne and Bob might follow for accumulating their retirement funds?