Suppose you are a financial advisor and have recently acquired a new client - Anna. Anna lives in an urban city and earns $125,000 a year. She is 35 years old and has $60,000 in savings. In your initial meeting with Anna, you have determined that her broad financial goals are as follows:

1. She wants to save enough to retire comfortably at the age of 65.

2. She wants to minimize her tax liability.

3. She is a moderately risk averse individual and hopes to have a portfolio of diverse investments.

4. She would like to keep enough in liquid assets like cash and cash-equivalents to be able to travel once a year.

How would you advise Anna to invest? Outline your reasoning for the products you pick, what their riskiness is (general idea as to whether they are low, medium, or high risk is enough at this point), how much you would allocate to each asset class or security, and how it affects Anna's overall tax liability.