<s>[INST] Terry Ward is a 64-year-old Male who works as a Doctor. They are currently Divorced and live at 8686 Yolanda Flats Apt. 837, West Hectorchester, IL 18910 in USA. They have 2 dependents: Rachel (Age: 11, Gender: Female), Terri (Age: 16, Gender: Female). Their financial goal is Travel with a target amount of $187272 to be achieved in 54 months. Currently, they earn $113448 per month and have an expenditure of $45061. They have $23234 in savings, $1603 in fixed deposits, $24015 in stocks, $12965 in mutual funds, and $8241 in other investments. Insurance: Life Insurance with a premium of $9877 and coverage of $104317. Debt: Yes, Amount: $3705, Type: Mortgage, Interest Rate: 6.605730889226943%. Loan Start Date: 2016-09-14, Loan End Date: 2034-07-01. Emergency Fund: Yes, Amount: $8516. [/INST] Plan for Terry Ward: