An adviser must make a reasonable allocation of the cost of the product according to its uses, the SEC has said.

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Frank also cites an American Bar Association ethics ruling suggesting law firms should only bill clients their actual cost plus a reasonable allocation of overhead, including the cost of outsourced legal work.

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In the interest of full disclosure, my allocation to equities is far smaller than that of the average investor, as I believe there may be an opportunity in the short term to increase that allocation at better prices, but at 75, 000 feet over 30 years, I think a reasonable allocation to equities still makes a lot of sense.

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Move incrementally and maintain a reasonable minimum allocation to stocks at all times.

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An allocation of a small percentage of space at reduced, hence reasonable, rents, would probably go a long way in encouraging young and aspiring entrepreneurs for the first few years of operations, at least until they get up onto their feet.

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