Considering net worth (loans, retirement funds, real estate, etc) and monthly income (assets and liabilities, etc), write a summary describing outcome(s), what is surprising, what was not and whatever else you wish to comment using the information given below. Be as specific as possible:

Investor Profile

Family Status: Married couple. Mark age 35 and Jan age 35

Career: Both are executives in the technology industry. Both have bachelors degrees

Children: Girl age 2 (Mary) and boy age 1 (Sam).

Income: Each makes $75,000 per year. They are in the 22% tax bracket.

Home status: Own a home worth $350,000 with $50,000 of equity and a 30 year mortgage at 3.5%.

Each month they have discretionary income (net) of about $2000.

Investments: Each has a 401K with a balance of $80,000. Each adds $6,000 per year.

Marks employer 401k match is $3000 and Jans is $4000 per year.

Joint Savings account with a balance of $25,000.

Checking account with a balance of $8,000.

General investment account (domestic large cap fund) with a value of $30,000.

They add $2000 per year to the General Investment Account.

Debts: Each has remaining college loans of $5000 at 6% loan rate.

Owns two cars each worth about $10,000 with one loan, with a balance of $7,000 (at 4%)

Goals: Each wishes to retire at 65 years of age.

They believe that they can live on 60% of their current income.

They would like to save $30,000 per child for college.

They do not plan on selling and moving from their current home.

Risk Tolerance: Each can accept a modest amount of market volatility.

Investment Return Target: Inflation plus 5%.