INFO & DATA

YOUR CLIENT

Phil & Claire Dunphy, ages 48 and 46, respectively

Children:

Haley, female, age 17

Alex, female, age 14

Luke, male, age 12

The Dunphys came upon some money due to an inheritance from a distant relative. They have $100,000 to invest. They don't yet have a specific goal for this money but dont plan to need it for 10-15 years. They have other monies available for their children's college education.

They consider themselves MODERATELY CONSERVATIVE investors which means they do not like market fluctuations but they understand they need to own the right stocks for long-term growth. Phil shows his nervousness more than Claire and gets anxious when the stock market goes down significantly. Phil and Claire made a bad investment choice in the past and this contributes to their moderately conservative outlook.

PART 1: Asset Allocation

Based on the information you have about the Dunphys, what do you recommend their asset allocation be for the inheritance money?

Stock % = _______

Bond % = _______

Cash % = ______

What is your rationale for this asset allocation? Please be specific. You may include URLs to help support your position, but you must also provide a thorough explanation for your rationale. Explain your why.