Justin is planning on retirement investment, if invested at 6 percent per year (6%p.a. is APR, interest compounded monthly), he wish to have $3,500 of monthly income for 30 years. To date, he has saved $100,000, but he still has 20 years until he retires. He would need to have in 20 years time to yield the $3,500 monthly payments for an additional 30 years. Calculate how much shall be accumulated at the time of retirement to meet his needs. (Provide your answer up to 2 decimal places, give your answer in a positive number)