Your financial adviser and you want to establish a retirement and financial plan for you.

Your financial adviser and you want to establish a retirement and financial plan for you. If you are 30 years old, married with two children (daughters) have a combined family income of $110,000 and rent an apartment. Your advisor asks your response to these questions: a) what are your goals for investing; b) how might taxes impact on your investment planning (use current tax rates) and c) how might your age and family condition effect your attitude about taking on risk, or not?