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No. of Recommendations: 5
With interest rates so low, buying bonds now is not a very good idea. But if you acquired them some years ago, bonds can still be paying nice interest and without much down side risk. Your greatest concern could be that the bonds are being called.

If DH has low risk tolerance, your adviser's suggestions could be appropriate.

Similarly if your son is less risk averse, he may be recommending a different set of parameters to him. More equities and less bonds.

Your adviser could be confused about who makes decisions in your situation. The three of you seem to have different risk profiles. But even so, the core recommendation for 50 to 60% of assets is similar. Its the fringes where you disagree. Then you have to decide who gets to pick this time. You could take turns. Or have separate accounts and see who does better.
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