Assume you client is a 25 year old high school teacher, just married to another 25 year old high school teacher, with the household income of $120,000, with the net monthly paychecks of $6500 together. The couple is currently renting, but looking to buy a house, and their parents will contribute $50,000 for the down payment. They have credit score of 700. Currently, their goal is to retire by 55, and have at least $1.5 in savings by the time they retire. They are also planning to have children soon. Prepare a specific retirement/savings program for your client that will generate at least 1.5mil in 30 years. (monthly contributions, specific investments stocks, etfs, funds). Advise your client on home purchase (price, loan type) Prepare the installment plan. Advise your client on car purchases for both (what specific car, type of loan). Advise your client on buying the life insurance (specific product and conditions).