Chrisanna Prez Rodrguez and her husband, Fernando, have worked since their early 20s. Chrisanna, now age 48, worked for a previous employer for 8 years. When she left that job, Chrisanna left her retirement money in that employers 401(k) retirement plan. The investments are now worth $85,000, and they currently earn about 5 percent annually. She now works as a food services manager for a convention center, earning $110,000 a year. Chrisanna contributes $367 each month (4% of her salary [$110,000 3 0.04/12]) to her employers 401(k) retirement plan. Her employers policy is to provide a 100 percent match up to 6 percent of Chrisannas salary contributions and allow her to contribute a total of up to 8 percent of her salary on her own. Chrisannas 401(k) account balance at her new employer is $21,000. They have no other retirement savings. Fernando, age 47, is a computer programmer working independently as a contractor for various companies, but he has not saved for retirement. While his income varies he usually earns about $90,000 annually. Chrisanna is hoping that she and Fernando can retire when they both are age 65.

6. What advance directive documents should they complete?