The Importance of a Ten Year War Chest

Most of my clients like to have a five year buffer, but some like a little more and others a little less. Five years is my recommendation because that gets us through the worst of any decline,. But how many years of war chest would you be most comfortable having? If the client responds with a number that's plus or minus one year, great, that's our target. For example, a five year war chest would be a 75 25 aplocation. Now i'm fine either way, and we're always going to do what's best for you. I just want to make sure you understand the long term cost of plaingit this safe. What works is better than what