Ani is $68$ years and has worked as an accountant for forty years, moving steadily upward in terms of responsibility within the company. Ani retired last year and is in the 'Early Retirement' financial planning life stage. Ani has significant retirement assets and several retirement income sources, and has a dependent adult child living at home with him. You have spent significant time with Ani in developing an investment policy statement that is suitable for his situation, and you just need to finish up the asset allocation section. What asset allocation would you recommend? Make citations iwthin the answer and give the reference.