Your client has asked you to develop a holistic personal financial plan that will help them in all financial aspects of their life. (Additional assumptions regarding the client may be made as necessary). Julie and Cliff are 45 and 46 years old, respectively, and have 2 children, one a freshman in an expensive college, and one a freshman in high school. They make $45,000 per year combined income, and are paying approximately $35,000 for college tuition, room, and board. They are concerned because they have saved $100,000 for retirement so far in a savings account and it is now being depleted by $10,000 per year due to college costs and other expenses. Their child in college has no scholarships, grants, or job. Supporting documents are encouraged (such as, spreadsheets, tables, graphs, and etc.)