Your client is $28$ years old she wants to begin saving for retirement with the first payment to come one year from now she can save $$11,000$ per year and you advise her to invested in the stock market which you expect to provide an average return of $8\%$ in the futue. If she follows your advice how much money will she have at $65?$

how much will she have it $70?$

she expects to live for $20$ years if she retires at $65$ and for $15$ years if she retires at $70$ if her investments

continue to earn the same rate. How much will she be able to withdraw at the end of each year after retirement at each retirement age?