Word games? I don’t provide a cookie cutter approach to clients meaning no two clients situations are the same. People have different perspectives on life, the economy, investment experience, etc. Also, I work for a Private Bank and our minimum is at least $5 million. Most clients I work with are more concerned with preservation of capital with a risk/return that outperforms their preferred benchmark rather than hitting a home run every day. We incorporate as many asset classes as possible so long as it is within the client’s risk/return comfort zone. Alternative investments are almost always included in client portfolios i.e. hedge funds, private equity, CDOs, commodities, etc.