Which of the following statements best describes the factors that should be considered when developing a personal financial plan?

i$.$ Ensuring the financial plan promotes the highest possible investment returns

ii$.$ Changes in the economy such as when interest rates rise

iii. Regulatory changes such as a new tax system for trust unit distributions

iv$.$ Internal factors such as a new job or change in family structure

Select one:

a$.$ i$,$ ii$,$ iii and iv

b$.$ i$,$ ii$,$ and iii only

c$.$ ii$,$ iii and iv only

d$.$ iii and iv only