needhelp1700

Why would liquidity constraints be limited to 1 year or any other arbitrary time period.  If the liquidity need exists, then it needs to be mentioned as a constraint.  I would play it safe and mention it as a constraint.
College expenses would not be considered unique.  All of us went to college, right?  So it’s not unique.  A unique circumstance might be something like your particular set of investments that might require special consideration.