An investor has $200,000 of wealth

An investor has $200,000 of wealth before income tax, $100,000 of it is invested free of income tax in a tax-qualified retirement account and $100,000 is subject to income tax and the after tax value placed in an investment account. He currently invests half of his wealth in bonds and half in stocks in both accounts. Suppose his returns are 12% per year on the bonds and 19% per year on stocks, all in the form
of capital gains and before capital gains tax which is nil for the tax-qualified retirement account but is 15% of final capital gains in the investment account. In 5 years he can withdraw all his funds from the retirement account subject to paying income tax at 28%. If he does so, what will be his final wealth after tax? If instead he shifts all his bonds into the retirement account and holds all stocks outside the retirement account, what would be his final wealth after tax?