Gina is Single and works at the Gas Company for the past 5 years as a Data Analyst. She current has a salary of $ 67,000 for the calendar year 2020. She does not contribute to her companys 401 k account and any other retirement account. Gina has one bank account at the Gas Company Credit Union with $3,000 in the account. Gina is 28 years old and lives with her parents. She currently has $30,000 in student loan debt for completing her bachelors degree in business from CSU Fullerton. Most recently in 2019 her Aunt Becky passed away from cancer. According to Beckys will she left all of her assets to Gina and not to her sister, Ginas Mother Heather, because she saw a lot of herself in Gina and believed that Gina would be more responsible with the money and assets if it were left to her. In 2020 the assets of her estate were distributed to Gina as follows Non Taxable Life Insurance proceeds $ 220,000 2010 Lexus LS FMV $ 8,000, Original Cost Basis $ 54,000 Bank of America Savings Account $ 25,000 Wells Fargo Checking Account $20,000 Fidelity Investment Accounts $70,000 10 BlackRock Shares purchased via E Trade $ 953.24 per share FMV at Day of Death, Original Cost Basis $ 900. Gina was named beneficiary for each share. Gina has been referred to you for your work that you advised from the Stone family. Gina would like for you to outline a financial plan along with recommendations on what she should do next