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The recommendation is Alternative B, ensuring enough capital for retirement to fund lifestyle. It involves refinancing the mortgage to a 15-year term, increasing portfolio contributions, and adding $658.31 to the 403B plan. Benefits include paying off the mortgage early, higher investment returns, and improved net worth by $5,026. No disadvantages currently, with a neutral cash flow impact. So, my recommendation is Alternative B, because with this recommendation, you will be able to have the capital you need at retirement age in order to fund your lifestyle for the rest of your life. What Alternative B does, it includes several actions. Of course, refinancing the existing mortgage. With a 15-year mortgage, you'll be able to pay it off before age 67. With your increased portfolio contributions and the expected increased return by increasing your investment risk, you're going to also add more funds to your capital amount. Of course, we already mentioned that Mrs. Franklin will make an additional amount to her 403B plan to help with the capital shortfall. That additional amount is $658.31. This has several advantages because, once again, you won't have a mortgage payment at age 67. You will be able to remove the mortgage payment from your retirement balance needed. Also, your annual return increases on your portfolio allocation from the projected 3.5% up to 6%. Then, the additional amount that Mrs. Franklin has to contribute is significantly less than under Alternative A. Those are the advantages of the recommendation. The disadvantages are none at this time. The cash flow impact is neutral because Alternative B is not going to create neither a positive nor a negative cash flow. Your net worth is going to increase by $5,026.