You are an investment advisor. Your and your team have just spent several hours speaking to your new clients, Jim and Ann. The couple has been disciplined over their saving years. They have acumulated $500,000 for investment in addition to their employee sponsored retirement plans. While Jim is only 58, he has decided to retire early and spend his time playing golf. He does plan to do some more consulting on the side. Ann, who is the same age as Jim, plans to retire in five years at which time they plan to take a dream vacation around the world. They would like to have $30,000 fo this trip. After discussing risk and return with the couple, you determine that they are conservative but they understan that n order to make their retirment funds last that they will hae to take some risk with part of the money. Since Jim and Ann are at retirement age, they are interested in income oriented investments. Jim and Ann have met the investment prerequisites (ample insurance, adequate emergency savings, and no credit card debt). they hand you a check for $500,000 to open up their account.