Calculate the total amount that the clients are currently investing into their retirement accounts each year $($their contribution plus any employer contribution$)$ and make recommendations for any improvement needed. Use the Excel spreadsheet $($Capital Needs Example$)$ we reviewed in class to determine whether the amount the clients are currently saving toward retirement is sufficient to allow them to achieve their retirement goals $($age $62$ & $67).$ If not, calculate the additional annual or monthly savings required to reach their goals. $10$ Points

$4.$ Make any recommendations to the clients to improve their current or future likelihood of achieving their retirement goals. Should Social Security be part of the current assumptions? If so$,$ what do the Forests need to know in regard to potential benefits and applicable taxes? $15$ Points

$5.$ Use two online calculators to compare the results to the Excel calculation. Describe what you like and dislike about the different calculators and provide explanations showing that you understand why the calculators are producing different results from one another. Please provide website addresses, screen shots of information, etc. in order to allow me to see the work you prepared. $10$ Points

$6.$ Explain the pros and cons of the two health plans to which they have access and make a recommendation as to which will be best for their family. $5$ Points

$7.$ Discuss whether or not Chris and Max need additional life insurance and if so$,$ how much and what type. $10$ Points

$8.$ Make recommendations about any potential disability situation and discuss tax implications of any existing or proposed coverage. $10$ Points

$9.$ Provide advice on long$-$term care insurance. $5$ Points

$10.$ Evaluate their estate plan and make recommendations if improvement is needed. $10$ Points