The New Wealth Management provides detailed guidance on the process for developing the optimal asset allocation policy for each clients unique situation and goals. The book outlines a wealth management program that begins with client education and risk tolerance evaluation (even more critical now that seniors must be appraised and risk evaluated by advisors). The book covers investment theory and then provides guidelines to determining the clients optimal investment policy and developing an investment program based on individual goals, current and future resources, and personal constraints instead of using simplistic model portfolios (such as lifecycle models) or black box solutions.? The approach outlined in the book places goal achievement in primary position instead of investment vehicle.