Hey thanks for your feedback! The conclusion begins at 06:25. Brian says, "what are your goals? What is your risk tolerance? Importantly, what is your required rate of return? When you ran your cash flows, when you did your financial planning, what rate of return do you need to meet your financial goals? Because, to a large degree, that's the number that's going to determine whether you want an aggressive portfolio, a conservative portfolio, an income portfolio, etc." Let us know if you'd like help determining the best strategy for your needs.