Specifically address the following required elements:

1. Use working knowledge of personal finance to construct a financial plan considering life-stage adjustments.

2. Use technology to help establish a personal financial plan (describe what you used, why and how helpful it was, importance of protecting personal financial information).

3. Examine financial resources to help you make financial decisions (explain your steps and what you examined).

4. Identify your short-, intermediate-, and long-term financial goals.

5. Explain your personal risk tolerance and how that impacts your financial plan

6. Explain your time horizon and how that impacts your financial plan.

7. Complete a personal financial analysis of your situation.

8. Construct a retirement plan as part of your personal financial plan (explain how time value of money impact this part of the plan).