The Burkes are currently saving 6.5% of their gross pay for retirement. They currently have $20,000 saved for retirement and they are 30 years old. They would like to retire when they are 55 years old. They have done a great job keeping out of debt and do not have any vehicle loans or installment debt other than their mortgage. They have six months of living expenses in a savings account for their emergency fund. They are currently investing in a total bond market index fund for their retirement. 

What would be your recommendation for their retirement savings?