please answer clearly and concisely, WILL UPVOTE

CLIENT PROFILE:

Emmanuel (he/him/his) is a 23-year-old man living in rural Illinois. His parents grew up in Haiti and immigrated to the United States 7 years ago. Emmanuel was the first in his family to attend a university and graduated with $20,000 in loans with an APR of 4.5%. Emmanuel started his first job with a salary of $45,000 and is trying to pay off his student loans, but he also wants to start to save money for retirement. Emmanuel's current company offers a 401k match of up to 7% of his salary, but he isn't sure how much he should invest and which type of 401k will match his financial goals. Emmanuel knew of Morningstar and checked out their 'Save for Retirement' tools and worksheets.

Consider the financial challenges your client may face based on the details provided in their profile.

Please list out the financial challenges that your client currently faces.

Identify potential barriers to financial education that the client may face as a member of

the communities that are listed in their profile.

Use the financial challenges you identified for your client and the Morningstar product mentioned in their profile to answer the following questions:

How will the Morningstar product mentioned in their profile help the client address their financial needs?

What other content and tools are available on Morningstar.com are relevant to the client's financial challenges?

Please use the products and resources you discussed in Question 2 to answer the questions below:

Identify potential gaps in these products and resources. Take a critical look at where the product may fail to meet the financial needs of your client and their respective communities.

Propose improvements that should be implemented in order to make these products and resources more accessible and inclusive.

Pitch a new idea for a product or resource that would increase accessibility and inclusivity for the client's communities within the financial services industry.

Outline the purpose and structure of the new product or resource.

Explain how the product or resource will have an impact on accessibility and

inclusivity for the client's communities.

Describe how you will track engagement levels with the product or resource

across the client's communities.

4. Please refer to the ESG Investing page here on Morningstar.com and take your client's profile into consideration for the following question:

a. Propose a new product or resources that would increase accessibility and inclusivity to ESG data for the client's communities. (e.g., educational videos, simulators, articles, etc.)

Outline the purpose and structure of the new product or resource.

Explain how the product or resource will increase accessibility and inclusivity for

the client's communities.

Describe how you will track engagement levels with the product or resource

across the client's communities.