B) Mrs. Pang, aged 52, married and has a son aged 22. She is a merchandising manager of a trading company at a month salary of $55,000. She supposed to be retired at 60. 0) Identify the stage of life cycle of Mrs. Pang. Address two financial concerns in this stage. 6) Try to set one short-term financial goal and one long-term financial goal for Mrs. Pang