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No. of Recommendations: 1
It's about "risk tolerance." There are many 34 year olds that simply do NOT have the "risk tolerance" to have too much in equities. Many people are simply not comfortable with the volatility of the stock market. And "risk tolerance" is not something you just decide on. A lot has to do with being able to manage their feelings when in the market and being able to sleep at night.

I understand that, and in a later post, he said he rated a 4 of 5. Again, that begs the question, why so much in bonds? Isn't the reason you pay a financial advisor is to grow the amount of money you have and/or hedge against down turns and inflation? Isn't his job to tell you, "You would be better off doing this."? If he has to do the work himself (and it sound like he is), why is he going to bother paying for a financial advisor?
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