5. Your client is 40 years old; and she wants to begin saving for retirement, with the first payment starting from the beginning of next month. She can save up to $6,000 per year by contributing to her retirement plan with equal monthly payments. As her financial adviser you advise her to invest in a well-diversified ETF that follows closely the S\&P500, which you expect to provide an average annual return of 8% in the future. a. If she follows your advice, how much money will she have accumulated on her 65th birthday, the day of her retirement. b. Suppose your client retires on her 65 th birthday. And she wants to start withdrawing $2500 from her retirement account every end of month. Assume that her investment account now earns a more conservative interest of 2% APR on average. In how many years will she have depleted her account