Javiar Jones - Is 39 years old. He graduated from Medical School 7 years ago and is finally done with his residency in dermatology. He is now working with a group and has an annual income of $225,000. He hopes his income increases over the years. He currently has no investments, nor retirement accounts. He has federal student loans that total $350,000. He figures that he would likely retire when he is 67 years old, but will try and have a more flexible schedule in the working years leading up to his retirement. What investment allocation/portfolio would you recommend to Javair?