<s>[INST] Kristen Garza is a 53-year-old Male who works as a Doctor. They are currently Married and live at 103 Myers Circle Suite 881, Gabriellaton, VT 36054 in Canada. They have 4 dependents: Katherine (Age: 16, Gender: Male), William (Age: 4, Gender: Male), Erin (Age: 21, Gender: Female), James (Age: 27, Gender: Female). Their financial goal is Save for Education with a target amount of $82966 to be achieved in 30 months. Currently, they earn $99585 per month and have an expenditure of $34653. They have $9831 in savings, $728 in fixed deposits, $33799 in stocks, $1300 in mutual funds, and $616 in other investments. Insurance: Life Insurance with a premium of $4991 and coverage of $205268. No debt. No emergency fund. [/INST] Plan for Kristen Garza: