<s>[INST] Gary Hubbard is a 66-year-old Male who works as a Engineer. They are currently Single and live at 566 Frank Station, Daltonchester, WY 46525 in Canada. They have 2 dependents: Kevin (Age: 9, Gender: Male), Joshua (Age: 17, Gender: Male). Their financial goal is Retirement with a target amount of $131801 to be achieved in 17 months. Currently, they earn $65410 per month and have an expenditure of $32972. They have $21894 in savings, $25829 in fixed deposits, $45828 in stocks, $17295 in mutual funds, and $59 in other investments. Insurance: Life Insurance with a premium of $8797 and coverage of $96485. No debt. No emergency fund. [/INST] Plan for Gary Hubbard: