4. Your client is 76 years old. She wants to begin saving for retirement, with the first payment to come one year from now. She can save $13000 per year, and you advise her to invest it in the stock market, which you expect to provide an average return of 10% in the future. a) If she follows your advice, how much money will she have at 115? (1.5 point) b) How much will she have at 120? (1.5 point) c) She expects to live for 20 years if she retires at 115 and for 15 years if she retires at 120.If her investments continue to earn the same rate, how much will she be able to withdraw at the end of each year after retirement at each retirement age? (3 point)