Total Assets: $250,000 ($150,000 home, $75,000 business/personal assets, $75,000 investments)

10% commodity exposure: $25,000

1^st Efficient Frontier (asset class): 75% stock ($18,750), 20% fixed income ($5,000), 5% cash ($1,250)

2^nd Efficient Frontier (asset type): 50% venture, 25% intermediate, and 25% conservative

Recommendation:

Equity

$8,750 venture capital

$5,000 intermediate

$5,000 conservative

Fixed Income

$5,000 bond or convertible security

Cash

$1,250 Money Market Fund

Total Assets: $500,000 ($250,000 home, $125,000 business/personal assets, $125,000 investments)

10% commodity exposure: $50,000

1^st Efficient Frontier (asset class): 55% stock ($27,500), 40% fixed income ($20,000), 5% cash ($2,500)

2^nd Efficient Frontier (asset type): 33% venture, 33% intermediate, and 33% conservative

Recommendation:

Equity

$9,075 venture capital

$9,075 intermediate

$9,075 conservative

Fixed Income

$20,000 bond or convertible security

Cash

$2,500 Money Market Fund

Total Assets:$1,000,000 ($500,000 home, $250,000 business/personal assets, $25,000 investments)

10% commodity exposure: $100,000

1^st Efficient Frontier (asset class): 20% stock ($20,000), 75% fixed income ($75,000), 5% cash ($5,000)

2^nd Efficient Frontier (asset type): 25% venture, 25% intermediate, and 50% conservative

Recommendation:

Equity

$5,000 venture capital

$5,000 intermediate

$10,000 conservative

Fixed Income

$75,000 bond or convertible security ladder

Cash

$5,000 Money Market Fund