Ellie is taking a personal finance course as she wants to take control of her finances since her divorce. She understands that personal finance is beneficial in many ways, especially as a Personal Financial Plan _____________________. Select one:

a. specifies your financial goals. b. All the responses. c. describes the risk management strategies that are required to protect against uncontrollable events such as death or disability. d. describes the spending, financing and investing activities that are intended to achieve those goals.