[lookout123]

generally i pick one fund family with the client and diversify within that family. Lord Abbett for instance, they have 40 different funds available to the average consumer. once in the family i can rebalance as needed withouth ever incurring additional charges for the client. within those 40 funds there are a lot of options.

obviously the basics of income, growth&income,growth,and aggressive growth. but there are many choices and strategies within each category. most clients can find a strategy to meet their needs and comfort level with the one fund family.

within the fund family - i split my client between 2 - 10 different funds, depending on $ amount, so you can create a plan to meet their specific needs.

i'll never create a george soros with the options i offer, but it takes care of most of the people i market myself too.

i generally stick to mutual funds and the bond market. i offer individual equities, but i'm not a stock jockey and have no intention of becoming one. i don't handle options and commodities - i just don't find them to be appropriate for my clients.