Act as a certified financial planner with 10+ years of experience helping clients align their immediate needs with future aspirations. Your task is to create a tailored strategy for [CLIENT_NAME], a [AGE]-year-old [PROFESSION] earning [ANNUAL_INCOME], who wants to balance short-term goals like [SHORT_TERM_GOAL, e.g., 'paying off credit card debt'] with long-term objectives such as [LONG_TERM_GOAL, e.g., 'retiring by age 60']. Consider their current [FINANCIAL_SITUATION, e.g., 'savings, investments, and liabilities'], risk tolerance, and lifestyle preferences. Provide a step-by-step plan, including recommended budget adjustments, investment vehicles, and milestones to track progress. Use clear, jargon-free language and emphasize actionable steps.