Nerd's Eye View

APRIL 9, 2025

It's natural for advisors to begin discovery meetings by asking questions about a client's current financial situation – understanding cash flow, debt, investments, risk tolerance, or even the burning tax concern that brought them to the advisor's door in the first place is crucial for financial planning.

Clients 201

Clients Financial Planning Risk Tolerance Planning 201

The Big Picture

SEPTEMBER 21, 2022

Consider : Questioning investors as to their risk tolerance does not typically result in an accurate description of their true tolerance for drawdowns and lower returns; instead, we get a number highly dependent upon the performance of equity markets over the prior three to six months.

Risk Tolerance 334

Risk Tolerance Budgeting Numbers Banking 334

The Big Picture

DECEMBER 30, 2024

It is, instead, an important individualized effort to achieve some predetermined financial goal by balancing ones risk-tolerance level with the desire to enhance capital wealth. Zeikel famously shared his investing insights in a 1994 letter to his daughter: “Personal portfolio management is not a competitive sport.

Investing 148

Investing Investments Risk Tolerance Portfolio Management 148

Nerd's Eye View

JUNE 5, 2023

This month's edition kicks off with the news that Riskalyze has completed its previously-announced rebranding, and will now be known as “Nitrogen”, a ”growth platform” for advisory firms – which represents less of a shift in the platform’s core function (given that Riskalyze’s risk tolerance tool was always (..)

Risk Tolerance 245

Risk Tolerance Retirement License Retirement Planning 245

Nerd's Eye View

JUNE 12, 2024

Which means that when an advisor recommends a certain investment strategy for a client, their standards of care should dictate that they first make sure that the strategy is within the client's tolerance for risk.

Fiduciary Duty 245

Fiduciary Duty Risk Tolerance Investing Investments 245

Nerd's Eye View

JUNE 3, 2024

This month's edition kicks off with the news that 'startup' custodian Altruist has completed a $169 million fundraising round as it continues to rebuild the RIA custodial tech stack layer-by-layer while positioning itself as the biggest RIA custodian built from scratch and solely for advisors – which, while making it the clear #3 custodian behind (..)

Risk Tolerance 246

Risk Tolerance Communication Startup Financial Planning 246

WiserAdvisor

MAY 26, 2023

It is essential to choose investments that match your risk appetite to avoid unnecessary stress and surprises later. A financial advisor can help you understand your investment risk tolerance. This article will focus on the risks of investing, how they impact you, and what you can do to determine your risk appetite.

Risk Tolerance 59

Risk Tolerance Investing Investments Financial Advisor 59

Nerd's Eye View

MAY 8, 2024

Over the years, 2 types of measurement tools have emerged as the standards for assessing risk tolerance: 1) psychometric tests, which feature a series of questions (such as, "What amount of risk do you feel you have taken with past financial decisions?")

Clients 246

Clients Risk Tolerance Financial Planning Planning 246

The Big Picture

OCTOBER 14, 2022

Some market bottoms are a process, a blind groping of various market participants with different risk tolerances, financial goals, and time horizons. is not an explanation that anybody loves. Where does that leave investors today?

Risk Tolerance 336

Risk Tolerance Sales Marketing Marketing 336

Advisor Perspectives

OCTOBER 23, 2024

Determining your client’s risk tolerance is a critical first step in constructing a tailored investment portfolio.

Risk Tolerance 53

Risk Tolerance Clients Portfolio Investing 53

Advisor Perspectives

SEPTEMBER 18, 2024

A client recently refused to complete my risk tolerance questionnaire. After looking through our instrument, with its fairly standard hypotheticals about market movements and portfolio returns, they said, “That’s not how I think about risk.”

Risk Tolerance 49

Risk Tolerance Portfolio Clients Marketing 49

Abnormal Returns

DECEMBER 26, 2022

mikemelissinos.substack.com) On the difference between risk tolerance and risk perception. (investmentnews.com) Why you need to look at your own data to find growth. thinkadvisor.com) Why the hard sell will ultimately backfire when it comes to client acquisition.

Risk Tolerance 241

Risk Tolerance Financial Planner Financial Advising Compliance 241

Nerd's Eye View

JUNE 2, 2023

Also in industry news this week: How Goldman Sachs’ RIA custodial platform is leveraging the resources of its parent company as it seeks to build momentum amidst a highly competitive environment among custodians How NASAA has changed the substance and/or scoring of the Series 63, 65, and 66 exams From there, we have several articles on college (..)

Financial Planner 246

Financial Planner Risk Tolerance Clients Financial Planning 246

Inside Information

JUNE 25, 2024

For more years than I’d care to name, I’ve been trying to put my finger on exactly why I have a such a huge problem with the traditional (Think: Riskalyze, now Nitrogen) risk tolerance assessments in the financial planning profession. You can actually test various bear markets and adjust accordingly.)

Risk Tolerance 40

Risk Tolerance Financial Planning Portfolio Asset Allocation 40

Advisor Perspectives

MAY 15, 2025

Keeping your financial plan aligned with your goals, risk tolerance and time horizon.

Risk Tolerance 52

Risk Tolerance Portfolio Financial Planning Planning 52

Nerd's Eye View

SEPTEMBER 20, 2023

By exploring high-inflation, low-inflation, and mixed-inflation scenarios, advisors have the flexibility of customizing advice that can more holistically balance a client's spending goals with their risk tolerance.

Financial Planning 246

Financial Planning Risk Tolerance Retirement Planning Planning 246

Nerd's Eye View

SEPTEMBER 20, 2023

By exploring high-inflation, low-inflation, and mixed-inflation scenarios, advisors have the flexibility of customizing advice that can more holistically balance a client's spending goals with their risk tolerance.

Retirement 246

Retirement Planning Financial Planning Risk Tolerance 246

Nerd's Eye View

MAY 29, 2023

using two different risk tolerance assessments), which resonated with his target clients accustomed to built-in redundancies as a key part of operating nuclear power plants. And because nuclear power is a process-driven industry, the use of standard workflows was familiar ground for many of his prospective clients.

Risk Tolerance 246

Risk Tolerance Financial Advisor Clients Planning 246

Wealth Management

SEPTEMBER 6, 2022

When advisors address risk head-on with real world scenarios, it highlights the value of the relationship, encourages conversations that support long-term investing and helps align client goals with their risk tolerances.

Risk Tolerance 130

Risk Tolerance Clients Investing Investments 130

Nerd's Eye View

NOVEMBER 7, 2022

Riskalyze signals an intent to rebrand itself away from ‘just’ risk tolerance assessments to a broader focus on helping advisors grow clients and assets. Hearsay Systems rolls out a new small-to-mid-sized RIA platform for social media compliance and website design.

Risk Tolerance 241

Risk Tolerance Startup Compliance Clients 241

Darrow Wealth Management

MARCH 3, 2025

The choice between stocks and bonds depends on their individual circumstances, such as risk tolerance, time horizon, and financial goals. While an investor’s timeline affects their risk tolerance and allocation decisions between stocks and bonds, it’s important to remember how long a retirement time horizon can truly be.

Risk Tolerance 72

Risk Tolerance Asset Allocation Assets Portfolio 72

Nerd's Eye View

MARCH 20, 2024

This exercise can also give advisors and clients the opportunity to adjust the guardrail parameters depending on the client’s risk tolerance (e.g., a client who really wanted to guard against downward-spending-adjustment-risk might forgo income increases entirely).

Communication 246

Communication Clients Risk Tolerance Financial Planning 246

Tobias Financial

MAY 13, 2025

This may be a good time to revisit it and ensure it still reflects your needs, risk tolerance, and goals. They can offer perspective – reminding you that volatility is a normal part of investing and that todays concerns, while real, are often temporary. Your financial plan is designed for the long term.

Financial Advisor 52

Financial Advisor Risk Tolerance Financial Planning Planning 52

The Chicago Financial Planner

JUNE 13, 2022

Ideally you’ve been rebalancing your portfolio along the way and your asset allocation is largely in line with your plan and your risk tolerance. Focus on risk. Use stock market corrections and downturns to assess your portfolio’s risk and more importantly your risk tolerance.

Risk Tolerance 188

Risk Tolerance Marketing Marketing Financial Planner 188

Nerd's Eye View

AUGUST 28, 2024

For advisors who want to advise on clients' 401(k) plan assets but who can't manage them directly, there have generally been 2 options.

Assets 246

Assets Management Clients Compliance 246

Zoe Financial

APRIL 7, 2025

Consider speaking with a financial advisor about risk tolerance and strategies like tax loss harvesting. Historically, VIX > 45 has been followed by: Average +37% 1-year return Average +58% 2-year return Compared to ~21% after lower VIX levels Takeaways: Volatility can feel alarming, but historically, it has created opportunities.

Marketing 81

Marketing Marketing Risk Tolerance Financial Advisor 81

Nerd's Eye View

AUGUST 28, 2024

For advisors who want to advise on clients' 401(k) plan assets but who can't manage them directly, there have generally been 2 options.

Assets 245

Assets Management Compliance Retirement Planning 245

Carson Wealth

JANUARY 8, 2025

They consider your current financial situation, risk tolerance, and future objectives to help develop a comprehensive plan. This personalized approach can help you make financial decisions that are well-informed and strategically sound.

Financial Advice 69

Financial Advice Financial Advisor Risk Tolerance Financial Guidance 69

Alpha Architect

JANUARY 2, 2024

This article seeks to examine what research says about the interplay between risk tolerance, financial literacy, and trust and their collective impact on the pursuit of financial advice by Black and Hispanic households. Do racial barriers prevent Black and Hispanic households from pursuing financial advice?

Financial Advice 109

Financial Advice Risk Tolerance Financial Planning Government 109

XY Planning Network

NOVEMBER 27, 2023

The beauty of our approach—building investment strategies based on academic research and rebalancing back to the target risk tolerance as markets move—is that we can find comfort in these times by revisiting the core tenets of our belief systems.

Risk Tolerance 115

Risk Tolerance Financial Advisor Investments Investing 115

Nerd's Eye View

JULY 3, 2024

As a result, advicers have more options than ever to add value for their clients by tailoring investment portfolios that are specific to their unique needs, goals, and risk tolerance. size, industry, location) of early mutual funds.

Portfolio 189

Portfolio Clients Risk Tolerance Accounting 189

Your Richest Life

JANUARY 27, 2025

Your investing strategy is a personal approach based on your goals, life stage and risk tolerance. Risk tolerance – How comfortable are you with risk? If you are more risk averse, then an active approach to investing might be too stressful for you.

Investing 52

Investing Investments Risk Tolerance Portfolio 52

BlueMind

SEPTEMBER 11, 2022

However, it should be well understood that a client’s financial profile includes their risk tolerance and their risk capacity. In this article, although we will be focusing on the latter one and why it is significant to determine your client’s risk capacity let’s first understand the difference between the two.

Risk Tolerance 98

Risk Tolerance Clients Portfolio Investing 98

Tobias Financial

APRIL 14, 2025

Does it reflect your risk tolerance and financial plan? Rather than reacting to short-term volatility, now is a great time to take a step back and review your investment portfolio. Is it still aligned with your long-term goals? Market movements like these serve as a reminder to check in and make adjustments if necessary.

Portfolio 52

Portfolio Risk Tolerance Marketing Marketing 52

Clever Girl Finance

MARCH 14, 2023

At the same time, you lower your exposure to the risks of each. Understand what risk tolerance means for you Investing in securities like stocks and mutual funds is risky. Luckily, there are ways to lower your risk (in addition to diversification) when investing while still growing portfolio income.

Portfolio 105

Portfolio Risk Tolerance Accounting Taxes 105

A Wealth of Common Sense

JULY 13, 2023

A reader asks: I am a 34-year-old with a high risk tolerance. All of my investment accounts are 100% invested in stocks. The one thing I have a hard time finding a tried and true answer on when I do research is how to best allocate my stock investments among large-cap, mid-cap, international, emerging markets, etc.

Risk Tolerance 98

Risk Tolerance Investments Investing Portfolio 98

BlueMind

OCTOBER 25, 2022

Category: Clients Risk. When it comes to their investment portfolios many tend to have a low-risk tolerance and with the unsettling economic situation with the ongoing pandemic, the word “risk” has become even more of a fearsome word for clients. Good communication is the key to a successful advisor-client relationship.

Risk Management 97

Risk Management Clients Risk Tolerance Management 97