I was thinking the same thing about net worth.  Personally, I think you can only count on what you can get your hands on quickly - cash or equities.  We all have houses (except those who rent) so yeah, we have the money, but we can't access it quickly and we can't access it without giving up our place to live.

But with their income and savings, they should have a lot of funds in equities.  Once they get rid of the shyster advisor (and all financial advisors are shysters), then they get can get on with making money.

I hope they read the comments here, as they are very good, mine not withstanding.  LOL.