Suppose you are a financial adviser. A 30-year old teacher with $100,000 dollars to invest has approached you. The teacher is married and has two...

Suppose you are a financial adviser. A 30-year old teacher with $100,000 dollars to invest has approached you. The teacher is married and has two children who are five-years and seven-years-old. Please share clearly the specific advice you would give to the teacher in terms of investment assets (types of mutual funds, bonds etc....) and allocations to be chosen.