Your client (age 35) informed you that she received a $20,000 bonus from her employer in December 2020. She would like to contribute this money into one of her investment accounts - into her Non-Registered investment account or into her RRSP account. Your client also contributed to an Employer Pension Plan throughout 2020. REQUIRED: List and explain three (3) factors that you need to consider, as the Advisor, before providing your client with your recommendation