Group 1 - The current investment allocation is considered moderately aggressive for the 67-year-old male, especially given that his wife is in her 40s [1][3] - The husband expresses concern about his wife's financial literacy and the implications for her future if he were to pass away [2][4] - It is emphasized that financial education is a process that requires time and engagement, rather than a one-time consultation with a financial adviser [4][5] Group 2 - The importance of understanding financial decisions and the rationale behind them is highlighted, suggesting that both partners should be involved in the investment journey [5][6] - The article discusses the significance of diversification and risk tolerance in investment strategies, noting that individuals may take varying levels of risk [6][7] - It is recommended to start with a broader understanding of asset allocation, including equities, bonds, and cash, and how this allocation may change with age [7]