Client One Destiny, age 26, is single. But she is dating and preparing to get engaged to her girlfriend, Rosa. She will need about $5,000 for an engagement ring soon. And she will need $10,000-$15,000 for the wedding in 12 to 24 months. Rosa has $70,000 in student debt. Destiny is currently employed and earns about $70,000 a year in salary. This salary is enough to cover all her taxes and normal living expenses of about $4,800 each month. This leaves her with about $1,000 in savings each month. She contributes $350 to a 401(k) and $650 to savings each month. She has been able to save roughly $15,000 to date in a 401(k) plan from work and about $20,000 in cash savings. She has invested all of her 401(k) into the stock market. This investment includes sector-specific funds. She has also saved money in an account that earns interest and in cash substitutes like money market funds. She recently received a windfall of $60,000. This prompted her to come to you for advice. Here are a few of Destiny's comments to help guide your thoughts: "I understand I am young, so I need to take on as much risk as I can." "I am willing to lose 30%-40% on my invested capital if the return is commensurate." "I do like to have a decent-sized cushion in the bank in case something happens at my job." "I don't foresee my risk tolerance changing after I get married." "Do you have any good stock tips