David, 33 years of age, and Kristina, 34 years of age, are married with no children.

They anticipate having children within the next five years. David and Kristina both have a graduate degree and student loans. They both have good jobs and earn about

$110,000 together. They have mortgage debt of $190,000 on their home that is valued at $210,000. They have one car that they share that is not yet paid for and they anticipate buying a second car in the next year. They have no credit card debt. Which of the following is a likely current goal of the couple?

a. Education Funding.

b. Gifting.

c. Charitable Gifting.

d. Retirement Funding.