Good going...Yes Mat is in USA. I m considering the couple as Conservative, thus I m planning to create a conservative portfolio. Below is my choice for the securities. Can you guys suggest me to build a balanced portfolio so that I will have exposure to all sectors. LARGE CAPS MID CAPS SMALL CAPS AT&T COUVENTRY HEALTH BUCKLE BELL SOUTH (BLS DPL HART MARX EXXON-MOBIL WESCO INTL DIODE APACHE CORP SIERRA HEALTH PANTRY LOWES FRONTIER OIL CONNS FEDERATED PAPA JOHNS MICROSTRATEGY PACCAR BORG WARNER SYKES DOW CHEMICAL EL PASO CORP CIMAREX CATEPILLAR VECTREN DIGITAS MMM HCC INSURANCE TIBCO SOFTWARE INTEL LEAR CORP MEDICIS PHARM MOTOROLA HILLENBRAND 1ST FED FINANCIAL GE PRECISIN CAST PARTS PNM RESOURCES CITIGOUP REGENCY CENTERS LIFE CELL FIFTH THIRD MANPOWER UNDER ARMOUR MERRILL LYNCH ATMEL WEB METHODS BEAR STEARNS TIMKEN REDBACK NETWORKS NEWMONT MINING CAMERON INTL ENERGYS GOLD CORP COMMSCOPE BUCYRUS INTL BLACK AND DECKER FOREST OIL ZALES MCDONALDS ONEOK HOUSTON EXPLOR. PEPSICO HEALTHCARE REALTY SIRONA DENTAL GARMIN ALLIANT ENERGY K SWISS ARCHER DANIELS OHIO CASUALTY INGLES MARKETS DELL TORO LANDAMERICA FIN P&G WESTERN DIGITAL SCHNITZER STEEL CHOOSE FROM THE FOLLOWING FIXED INCOME SECURITIES: i Shares: SHY, IEF, TLT, LQD,AGG. Treasury Securities: 90 day T-Bill Eaton Vance Ohio Muni Bond Fund (EVO) Foreign securities: iShares: EWJ, EWT, EWW, EWS, EWZ, EWP, EWI, EWL, EWA, EZU ADRs: WIT, TTM, RYAAY, VIPC, VIP, INFY, SNE, Closed end funds: CH, RNE, GCH, IFN, JOF, IRL Open end funds: VHGEX; AIIEX; HEMAX;AEPGX; Thank you. (I don't know what i got into)...