We suggest changes to a client’s portfolio when one or more of the following occur: 1. If we anticipate changes to the economy or financial markets, we will overweight/underweight certain asset classes to help preserve our clients’ portfolios and/or to take advantage of an investment we think will perform well. For example, if we think small cap stocks are poised to perform well, we will shift more of a client’s investments in this asset class. Conversely, if we think real estate is overvalued, we will decrease our clients’ exposure to this asset class.