Learn what assets make up your asset allocation and how to decide how much to invest. Have you checked out the Creating Wealth podcast yet with Jason Hartman? It’s full of amazing information and over 700 podcasts about real estate investing. If you like this podcast, you’ll like that one too. http://bit.ly/wealthpod Question: "When working out asset allocation, do financial planners usually start with overall net worth, and then work back from there? Or do they not include everything in the asset allocation calculations? I can find plenty of examples of how to work out asset allocations, just nothing on what should be included when figuring what you have to start with." "It's hard to invest 10% of your portfolio in something when you don't understand how exactly to work out the figure you have to start with." - Gillian Financial planners usually segregate liquid assets from your net worth. Of course, Net Worth = Assets - Liabilities Most financial planners will only do asset allocation for investments in the stock and bond markets. They won't include your home, rental real estate, business, etc. They will break it down into Large Cap, Mid Cap, Small Cap, International, ST bond, Intermediate Bonds, LT bonds, REITs, sectors, etc. If you want more in-depth information on asset allocation where I really drill down deep, see Be Wealthy & Smart podcast #165. If you're serious about improving your net worth, get my "10 Quick Tips to Boost Your Wealth" at www.lindapjones.com.