need some help on this question

Client Financial Information Married couple in late 20s Both college graduates

No children but plan to have 2 children over the next 2 years Would like to plan for kids college Hope to retire at age 65with at least 75% of their current income

Overall moderate risk tolerance

3. Your clients indicate an intention to provide support for their children's college education. What do you think of the way in which they currently have the funds invested and why? Do you think they are investing enough? What suggestions or recommendations do you have for them

Visa Bill $500 Checking Account $925 Min monthly pmt $25 Stocks $10,000 Auto insurance (monthly) $125 Mastercard Bill $450 Inherited Furniture $3,250 Min monthly pmt $20 Monthly income (Spouse 1) $4,500 Primary Home $100,000 Monthly income (Spouse 2) $2,000 Bonds $2,000 Annual Medical Expense $245 Monthly Food cost $400 Mutual Fund $3,000 Automobile(s) $12,000 401(k) $6,500 Furnishings $5,500 Monthly Car Payment $335 Outstanding Mortgage balance $80,000 Monthly Utilities $275 Outstanding Auto loans $6,500 Savings Account $2,700 Other personal property $8,500 Clothing Expense $200 Other monthly expenses $175 Student Loan Balance $13,000 Monthly Student Loan Pmt $100