<s>[INST] Ronald Hernandez is a 64-year-old Female who works as a Doctor. They are currently Married and live at PSC 2557, Box 7637, APO AP 34824 in Canada. They have 2 dependents: James (Age: 10, Gender: Female), Lucas (Age: 5, Gender: Male). Their financial goal is Retirement with a target amount of $163956 to be achieved in 34 months. Currently, they earn $34770 per month and have an expenditure of $22404. They have $23836 in savings, $21895 in fixed deposits, $44001 in stocks, $1464 in mutual funds, and $2106 in other investments. No insurance. No debt. No emergency fund. [/INST] Plan for Ronald Hernandez: