You are a financial advisor. A couple (young/middle aged/old) seek your advisor on their finances. You are required to:

1. Formulate a comprehensive personal financial plan with the use of financial planning process.

2. Create a hypothetical scenario that will be able to utilize all the concept of financial management for instance time value of money, tax planning, cash management, credit management, insurance, investment, real estate and retirement planning.

3. You are encouraged to use your creativity in developing the scenario.

pls help me answer this question......