Prepare a simple investment plan for a friend who is 35 years old and is currently saving $9,500 per year. This person has just inherited $250,000 in cash. You can make reasonable assumptions about this person's risk return profile, expected/required average rate of return (to be used in future or present value calculations - please consider 2 alternative rates). This friend wants to retire at 60 or 65 (consider each case separately, i.e., retiring at 60 versus 65) and it is expected that $60,000 per year will be enough for a decent standard of living.