give recommendations on what they should do based on the following:

*Where should they spend/invest based on their situation (not specific investments but categories such as a type of account (401k, IRA, savings account, etc.) or investment category (stock, bond, mutual fund, etc.)

*Make sure to base things on the risk tolerance level and time horizon of when they plan to need the money.

*Make recommendations based on debt repayment if thats part of the case such as credit cards, etc.

*Make any other general personal finance recommendations as you see fit based on the info in the case.

Your clients are a couple both age 60. Their kids are all grown up, out of the house and each financially stable. They are still working and have a combined gross income of $90,000. Their medical insurance is through work and they also have group life and disability with their employer. Both have a 401k plan with their employer and are putting in 3% which is matched 100%. They want to retire at age 65 and want to make sure they are on the right path. The only debt they have is a mortgage, which will be paid off in two years. The principal and interest amount of their monthly mortgage payment is $1,100. Their risk tolerance level is conservative/moderate to moderate. They have an emergency fund that is in a savings account that would cover three months of expenses. One of the clients also has a Roth IRA that they put $100 per month into. They plan to retire at age 65, go on Medicare and collect social security at that point. The rest of their income needs will have to come from their investments and savings. With their budget they can currently invest/save another $2,000 per year. If possible they would also like to do something for their two small grandchildren ages 3 and 4.