Alessandra is an investment advisor who advises a couple in their mid-forties. They have twins, both of whom will be attending university next year. They have saved for their children's education in an RESP and have paid off their mortgage. Their chief concern is lowering their income taxes. Which change in their asset allocation would best achieve this goal?
a) Increase fixed income
b) Increase money market
c) Decrease speculative securities
d) Increase equities
