Through inheritance and some wise investing, they also have an investment portfolio with a value of almost $200,000.1.)How much of their annual income do you recommend the Martins hold in some form of liquid savings as reserves? Explain – responses must include references from the text and more than an opinion.2.)How much of their investment portfolio do you recommend they hold in savings and other short-term investment vehicles? Explain.3.)How much, in total, should they hold in short-term liquid assets?4.)Does the couple need professional advice?Your initial discussion post is due Wednesday at 11:59 pm EST. At least two peer replies are due Sunday at 11:59 pm EST. Remember to relate to the readingsInitial Posts should be at least 300 wordsResponses should be at least 150 wordsUse APA style citations and references to support the ideas presented