The proper alignment of assets with their intended use is critical to achieving one’s financial objectives.  Metrics Money Management, LLC works with clients to establish an appropriate investment mix, given their financial goals, risk tolerances, liquidity and income needs, tax status, and investment restrictions.  Consistent with modern portfolio theory, diversification is sought across and within different asset categories, countries, and industries to reduce overall portfolio risk.  Once established, allocation should only change slowly and in response to changes in life circumstances, and not in reaction to fluctuations in the financial markets.