问题如下：
Hill refers his friend, Richard Morrison, the former CEO of Masury Bridge and Iron (MBI), to Keller to discuss his wealth goals.
Keller realizes that the Morrisons’ decision making is influenced by psychological considerations and decides to use a goal-based planning approach. Keller constructs the table below to simplify the discussion at their next scheduled meeting.
Table：Morrison Family Wealth Distribution
Describe Keller’s use of goal-based planning to highlight the consequences of the Morrisons’ selecting an asset allocation that is too risky.
选项： 解释：
Goal-based planning allows the adviser to incorporate psychological considerations into the asset allocation and portfolio construction process. This approach highlights the consequences of selecting an asset allocation that is riskier than is appropriate for a particular investor. A goals-based methodology extends the Markowitz framework of diversifying market risk by incorporating several notional "risk buckets." The first bucket is the personal risk bucket, which includes assets such as a personal residence, certificates of deposit, treasury securities, and other safe investments. The goal of this bucket is protection from poverty or a decrease in lifestyle. The second bucket is the market risk bucket, which includes assets such as stocks and bonds. The goal of this bucket is to maintain the current standard of living. The third bucket is the aspirational risk bucket and includes assets such as a privately owned business, commercial and investment real estate, and concentrated stock positions. The goal of this bucket is the opportunity to increase wealth substantially. This type of risk allocation framework would give Keller a basis to sit down with the Morrisons and identify the significant risk they face from their concentrated position and highlight that their allocations to the personal risk and market risk buckets are inadequate.
这题目回答的时候不用提一下他们资产配置的问题吗？比如金字塔顶层比重太大了？感觉就是在描述了一下goal-based process的方法和含义？
