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Max and Anna Klushefski have both turned 30 in the last year. The couple decides that 30 is the right age to start thinking more about their future, so they meet with a financial planner, Thelma Black. Both Max and Anna work. Their 401k plans have a combined value of $135,000 and this represents their only investment assets. Anna, a schoolteacher, is pregnant with their first child and plans to quit her job when the child is born. The couple hopes to have at least two more children. Max makes $95,000 per year as a junior executive at a clothing firm. The couple has been banking Anna’s salary for the last two years, as they can live on what Max makes.
Max and Anna had not thought much about their future, but in response to Black’s questions, they come up with two goals:
A. time horizon should be multistage. B. investment objectives are unrealistic. C. ability to take risk conflicts with their willingness to take risk. |