Partner A is 55 years old, and Partner B is 50 years old. Partner A and Partner B, both partners earn $80 000 annually. The couple has three children, aged 10, 7, and 5. One has a disability. The couple wants you to explore government plans and options for them, and to make recommendations. They definitely want to plan for their children's future. Your recommendations must be objective, based on information, and balanced. Weigh the advantages and disadvantages of your recommendations, suggesting ways to mitigate (reduce) any foreseen issues.

How would you recommend they save this money - through registered or nonregistered accounts and why? How do new recommendations affect their financial future, and possibly the recommendations you made before? Be specific.

What government benefits would they be eligible for, and why? Are there any they would not be eligible for, and why? Does eligibility for government programs influence your recommendations, and why?