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1. Income Risk - She will be the only one earning income if anything happens to her parents or her parents can't work any more.
2. Expense Risk - Her expenses will go up due to inflation. So she has to watch her spending if not, when her expense is more than her income, she may fall into debts.

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1. Income Risk - since he is the main bread winner of his family after his parents retired and financially tied up.

2. Expense Risk - Inflation cost, increases the expenses within the household exponentially.

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1. Risk of high risk investment so it is necessary for client to review investment made so far and given client planning to retire soon, she may want to lower risk of investment.  2. Risk of retiring without sufficient financial health so it is necessary to ensure the “target retirement date” is realistic.  3. Risk of length of life far outweighs assets payout so may need to consider annuity if suitable for passive income.

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I have attached my answer here for example.

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1. the risk everyone is exposed to is Inflation.
2. Income and Expense Risk, since he is the only income earner in the family
3.Debt Risk since the house they stay still have loan about 300k.