Episode Details

Take action to understand your wealth with this critical asset allocation review exercise. In this episode of Family Office Daily, M.C. Laubscher provides a simple but critical action step: review your current asset allocation. Most people have no idea how wealth is actually distributed—some stocks here, real estate there, maybe business, maybe cash—but never mapped out. What to do: create simple spreadsheet with five columns. Column 1: Asset class—list everything (stocks, bonds, real estate, business equity, cash, commodities, alternative investments, everything you own). Column 2: Current value—what's each asset worth today? Column 3: Percentage of total wealth—calculate what percentage of total net worth each asset represents. Column 4: Liquidity timeline—how quickly could you convert to cash if needed (same day, 30 days, 1 year, never)? Column 5: Risk level—rate each asset (low risk, moderate risk, high risk). Once mapped, you'll see patterns never noticed before—might discover overconcentration in one area, no liquidity, more/less risk than thought. This isn't about making changes yet—it's about awareness. Can't optimize what you can't see. Action step: before week ends, map current asset allocation—five columns, complete picture, know what you're working with.

What You'll Learn in This Episode:

✅ Action step: review current asset allocation
✅ Most people don't know how wealth is actually distributed (stocks, real estate, business, cash—never mapped)
✅ Create simple spreadsheet with five columns
✅ Column 1: Asset class—list everything (stocks, bonds, real estate, business equity, cash, commodities, alternatives)
✅ Column 2: Current value—what's each asset worth today
✅ Column 3: Percentage of total wealth—calculate percentage of net worth each represents
✅ Column 4: Liquidity timeline—how quickly convert to cash (same day, 30 days, 1 year, never)
✅ Column 5: Risk level—rate each (low, moderate, high risk)
✅ Once mapped: see patterns never noticed (overconcentration, no liquidity, risk level reality)
✅ Not about changes yet—about awareness
✅ Can't optimize what you can't see
✅ Before week ends: map allocation, five columns, complete picture

Key Takeaways:

💡 Review asset allocation – Critical action step
💡 Most don't know – How wealth is distributed
💡 Five-column spreadsheet – Simple mapping tool
💡 Asset class – List everything you own
💡 Current value – What's it worth today
💡 Percentage of wealth – Calculate proportion
💡 Liquidity timeline – How fast to cash
💡 Risk level – Low, moderate, high
💡 Reveals patterns – Overconcentration, liquidity gaps, risk reality
💡 Awareness first – Not changes yet
💡 Can't optimize blindly – Must see complete picture
💡 Do it this week – Map your allocation

Your Action Step:

Before this week ends:

1. Create a spreadsheet with five columns
2. List every asset you own (Column 1)
3. Determine current value of each (Column 2)
4. Calculate percentage of total wealth (Column 3)
5. Assess liquidity timeline for each (Column 4)
6. Rate risk level of each (Column 5)
7. Review the complete picture

Then you'll know what you're actually working with

Resources Mentioned:

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