A. Tom is planning for a very early retirement. Tom would like to retire at age 40 and have enough money saved to be able to draw $250,000 per year for the next 40 years. Based on family history, he thinks it is likely that he will live to age 80. He plans to save by making 15 equal annual installments (from age 25 to age 40) into a fairly risky investment fund that he expects will earn 12% per year. He will leave the money in this fund until it is completed depleted when he is 80 years old. To make his plan work