Your client is 40 years old; and she wants to begin saving for retirement, with the first payment to come one year from now. She can save $5,500 per year; and you advise her to invest it in the stock market, which you expect to provide an average return of 6% in the future. If she follows your advice, how much money would she have at 70? $434,820.02 None of the above $423,504.48 $489,560.08 $460,909.23