A
AcadiFi
Asset AllocationHard

A wealth manager constructs a goals-based allocation for a client with three goals: essential living expenses ($1.5M needed, 90% required probability), a vacation home ($400K, 75% probability), and a charitable endowment ($600K, 50% probability). The client has $2.8M in total assets. Which of the following allocation structures is most consistent with a goals-based approach?