liangfeng

Overall average could very well be the answer.... Look at the Mueller's (V2, p. 161 - also on the '03 or '04 exam):
- They have $600K in the bank, $25K annually they can save, and are getting $1.2mm in 5 years.... above average
- On the minus side, they are mid-life and have a daughter approaching college (combined $210K outflow).... takes them down a notch
- They prefer minimal-volatility investments, but 1/3 of their net worth is in a high-tech firm with an uncertain future ... so, the willingness is a bit fuzzy.

Answer key scores them overall average.