Create a final write$-$up$,$ integrating Installments $1$ and $2,$ and also providing guidance and advice with respect to:

when the couple should take Social Security benefits showing how this works to help Mike and Maria reach their goal of financial independence,

whether or not $($and why$)$ Mike should take the Pension Lump Sum, and if yes what he should do with the lump sum pay out, and

provide any other guidance and recommendation$($s$)$ you think important to their success.