What recommendations do you have for employees with a current profile similar to Tomâ€™s after seeing the impact of the uncertainty in the annual salary growth rate and the annual portfolio growth rate? Assume that Tom is willing to consider working 25 years instead of 20 years. What is your assessment of this strategy if Tomâ€™s goal is to have a portfolio worth $1,000,000? Discuss how the financial planning model developed for Tom Gifford can be used as a template to develop a financial plan for any of the companyâ€™s employees
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