Your client is 26 years old. She wants to begin saving for retirement at 65 , with the first payment to come one year from now. She can save $9,000 per year, and you advise her to invest it in the stock market, which you expect to provide an average return of 3.6% in the future. She expects to live for 20 years after she retires at 65 . 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? $