50% tax free munis--gets her income tax free 30% balanced fund 15% open a Domino's Pizza (put the kids to work for their college tuition) 5% buy some slutty clothes, nice ride, and get her a man 10 yrs her younger
Here is an example of a model that might suit this situation Large Cap 10% Small Cap - Passive 10% Small Cap - Active 10% International Stock - Passive 10% International Stock -Active 10% International Stock - Active 10% Commodities 10% Tax Exempt Int Term - Passive 10% Tax Exempt Int Term -Active 5% Tax Exempt Int Term- Active 5% World Bond 10%