Nikolas set up a financial plan when he was 25 and single. He worked with a financial advisor to create a plan that would allow him to accomplish certain long-term goals, including retiring by a certain age and having savings set aside in case of unexpected illness or disability. When he was 32, Nikolas got married and had a child. What should happen with Nikolass financial plan?

a. Since some investments take years to vest, Nikolas should maintain the same financial plan so he doesnt risk losing his money.

b. Nikolas should adjust his goals to account for his family, but his financial plan should remain the same.

c. Nikolas should adjust his financial plan to accommodate the changes in his life, and then he should continue to evaluate it and adjust it periodically.

d. Nikolas and his spouse should create a new joint financial plan that reflects the changes in their lives, and they should commit to maintaining this plan going forward.

e. Nikolas additional tax deductions after marriage should balance out his additional expenses, so there is no need for him to change his financial plan.