NO.PZ2022122801000055
问题如下：
Emma Young, a 47-year-old
single mother of two daughters, ages 7 and 10, recently sold a business for
$5.5 million net of taxes and put the proceeds into a money market account. Her
other assets include a tax-deferred retirement account worth $3.0 million, a $500,000
after-tax account designated for her daughters’ education, a $400,000 after-tax
account for unexpected needs, and her home, which she owns outright.
Her living expenses are fully covered by her job. Young wants to
retire in 15 years and to fund her retirement from existing assets. An orphan
at eight who experienced childhood financial hardships, she places a high
priority on retirement security and wants to avoid losing money in any of her
three accounts.
Ten years later, Young is considering an early-retirement package
offer. The package would provide continuing salary and benefits for three
years. The broker recommends a special review of Young’s financial plan to
assess potential changes to the existing allocation strategy.
Identify the primary reason for the
broker’s reassessment of Young’s circumstances. Justify your response. (新增课后题)
选项：
解释：
Change in constraints is the primary reason for the broker’s reassessment of Young’s circumstances.
Because Young is considering an early-retirement package offer, which can change the liquidity needs and time horizon etc.
