50% tax free munis--gets her income tax free
30% balanced fund
15% open a Domino's Pizza (put the kids to work for their college tuition)
5% buy some slutty clothes, nice ride, and get her a man 10 yrs her younger
Here is an example of a model that might suit this situation
Large Cap 10%
Small Cap - Passive 10%
Small Cap - Active 10%
International Stock - Passive 10%
International Stock -Active 10%
International Stock - Active 10%
Commodities 10%
Tax Exempt Int Term - Passive 10%
Tax Exempt Int Term -Active 5%
Tax Exempt Int Term- Active 5%
World Bond 10%