Jeremy is 67 years old; he has been retired for two years. Five years ago, Jeremy had a series of meetings with his financial advisor, Fiona, as part of developing a comprehensive financial plan. The meetings involved Fiona completing data-gathering worksheets, establishing Jeremy's retirement objectives in writing, developing and presenting recommendations to Jeremy to help him meet his objectives and finally, referring Jeremy to an investment specialist to implement the agreed upon recommendations. A month after all the transactions were completed, Fiona met with Jeremy to ensure he was happy with everything that had been done. Fiona has not spoken to Jeremy since that time. Given the implicit trust he has in Fiona, Jeremy has not bothered to review his monthly investment statements since his financial plan was put into force. However, this month, he decided to take a closer look at his financial position. Compared to the illustrations in the financial plan Fiona drafted, Jeremy was shocked to see that his retirement savings are considerably lower than projected. He now has serious concerns as to whether his savings will be sufficent to meet his retirement needs over the long term. What, if anything, has Fiona OMITTED TO DO or done INCORRECTLY with respect to the retirement planning process? O a) Fiona did a poor job of establishing Jeremy's objectives and predicting market conditions. b) Once the plan was implemented, Fiona failed to monitor its progress and to amend the plan in response to changing conditions. O c) Fiona should have implemented the recommendations in the plan herself; she is not allowed to refer her clients to a third party. d) Fiona has adhered to all the steps of the retirement planning process and has fulfilled all of her obligations