In this week's episode, we focus on practical applications to help clients manage their investments and income. We cover the 4 Cornerstone Smart Money allocation concept and discuss how to implement it in coordination with core asset allocation principles. The article review looks at specific recommendations advisors should consider discussing with their clients in the current market. The Q&A section includes thoughts on how to manage expenses for those who have lost their primary income, as well as a discussion of buying the "bottom" of the market. Downloadable copies of the 4 Cornerstones allocation and all pieces discussed, as well as a link to this week's article, are available at https://value-ability.com/episodes.