This question addresses the inherent flaw in most wealth management models - taking a cookie cutter approach to client portfolios based on their age. Every individual's risk profile is different even amongst those who live in the same household ie husband and wife. At Future Wealth LLC, we provide customized portfolios for every client. This could be an aggressive strategy with those are will to take some risks to an ultra conservative strategy for those looking for income via cash flows. The performance of their investment portfolio mirror their risk profile and as such clients are comfortable knowing that their money is invested appropriately.