A client who is a 34-year-old widow with two healthy young children (aged 5 and 7) has asked you to help her form an investment policy statement. She has been employed as an administrative assistant in a bureau of her national government for the previous 12 years.

She has two primary financial goals—her retirement and providing for the college education of her children. This client’s time horizon is best described as being:

A. Long term.

B. Short term.

C. Medium term.