When developing and recommending a suitable, long-term investment strategy for retirement, which of the following does not need to be considered?

D.

Explanation:

Based on the information provided within the question it can be said that the client's mortgage rate does not need to be considered. Although this would be an important consideration to have regardless, newer adjustable-rate loans could greatly affect a client's investment strategy during retirement which would make the mortgage rate hardly important.

answer; i believe the correct answer is enlightenment;

answer; belief perseverance;