Pro-Future, Inc. Sandy Is a Personal Financial Planner at Pro-Future, Inc. Pro-Future

Pro-future, Inc.
Sandy is a personal financial planner at Pro-future, Inc. Pro-future is a financial company that focuses on personal and business financing. When potential customers come to Sandy for financial advice, she first determines their investment goals in order to create a financial plan that fits their needs. Once she has created a suitable financial plan for a customer, Sandy gives her clients a pamphlet with suggestions for helping to accumulate the amount of money that they need.
Advice about risk is given to all of Sandy's clients. Sandy also makes strategic financial plans for each of her customers, which helps them to track and achieve their financial goals.
-Refer to Pro-future, Inc. If Sandy were to create a personal budget for her clients, what would be her first step?

A) Estimate their expected amount of money to be allocated to their investments
B) Determine the amount of income needed to cover their expenses
C) Calculate their long-term debt
D) Estimate their income for a specific period
E) Estimate their expenses for a specific period