The Big Picture

APRIL 19, 2023

Morningstar, April 17, 2023 ) _ 1, The caveat being 60/40 reflects a fairly moderate risk tolerance, and higher equity allocations (e.g., 70/30) might be appropriate for people with higher risk tolerances and/or longer investment horizons. Doing Nothing. The post The 60/40 Portfolio is Back!

Portfolio 333

Portfolio Risk Tolerance Investing Investments 333

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 221

Clients Risk Tolerance Financial Planning Planning 221

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 180

Fiduciary Duty Risk Tolerance Investing Investments 180

Advisor Perspectives

JANUARY 27, 2024

Registered investment advisors have long leaned on the 60% equities/40% fixed income portfolio structure. While it’s not perfect, it has served clients well, broadly speaking.

Risk Tolerance 59

Risk Tolerance Portfolio Investment Advisor Clients 59

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 200

Risk Tolerance Communication Startup Financial Planning 200

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 332

Risk Tolerance Budgeting Numbers Banking 332

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 180

Risk Tolerance Retirement License Retirement Planning 180

Abnormal Returns

JULY 12, 2023

morningstar.com) On average, people overestimate their risk tolerance. (awealthofcommonsense.com) Ongoing costs differ for homeowners by region, but are still significant. nytimes.com) Investing Are older investors now too exposed to the stock market? morningstar.com) Personal finance There's no shortcut to financial health.

Risk Tolerance 220

Risk Tolerance Estate Planning Retirement Planning 220

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 108

Financial Advice Risk Tolerance Financial Planning Government 108

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 207

Financial Planner Risk Tolerance Clients Financial Planning 207

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 97

Risk Tolerance Financial Advisor Investments Investing 97

Million Dollar Round Table (MDRT)

SEPTEMBER 19, 2024

They involve complicated products, long-term implications and a deep understanding of individual risk tolerance. While effective in some scenarios, such as when the client is ready to purchase or is a close relative or a friend, it may not be suited for more complex financial advising.

Risk Tolerance 87

Risk Tolerance Financial Advisor Financial Advising Clients 87

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

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 188

Risk Tolerance Financial Planner Financial Advising Compliance 188

Carson Wealth

MARCH 7, 2024

Your lifestyle, goals, family situation, and risk tolerance will give a unique signature to your retirement plan. It’s important to continually track your risk tolerance to make sure your goals and expectations are aligned with the risk you’re willing to take. How much should I be saving?

Retirement Planning 143

Retirement Planning Retirement Planning Risk Tolerance 143

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 335

Risk Tolerance Sales Marketing Marketing 335

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 88

Risk Tolerance Investments Investing Portfolio 88

Integrity Financial Planning

JUNE 7, 2023

1] What are Your Investment Goals and Risk Tolerance When selecting investments for your IRA, consider your investment goals and risk tolerance. If you are younger, you may be able to take more risks because you have a longer time horizon to earn back potential gains and receive more income in the future.

Risk Tolerance 85

Risk Tolerance Investments Investing Retirement 85

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

Advisor Perspectives

OCTOBER 28, 2023

The ideal rebalancing range varies by investor and depends on an investor’s risk tolerance and market views, among other factors. In a prolonged equity bull market, wider rebalancing ranges will result in higher returns, but also increase a portfolio’s risk.

Portfolio 59

Portfolio Risk Tolerance Marketing Marketing 59

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 213

Financial Planning Risk Tolerance Retirement Planning Planning 213

Advisor Perspectives

JUNE 28, 2024

Each has their own financial goals, risk tolerance and opinion on how they want to invest. As an advisor, you know that no two clients are alike.

Risk Tolerance 40

Risk Tolerance Clients Investing Investments 40

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 203

Retirement Planning Financial Planning Risk Tolerance 203

MainStreet Financial Planning

AUGUST 16, 2022

There are many steps in building an investment portfolio, in this article, I’ll discuss how asset allocation and risk tolerance are important considerations when investing. The appropriate mix or recipe in these various categories varies given your age, risk tolerance, and timeline to retirement or spending.

Asset Allocation 52

Asset Allocation Assets Risk Tolerance Portfolio 52

Nationwide Financial

JANUARY 25, 2023

Review risk tolerance and current asset allocation strategy It’s important to ensure your clients’ portfolios align with their risk tolerance because taking too much risk can negatively impact their ability to navigate market fluctuations. You can help them start the year right by conducting a retirement checkup.

Risk Tolerance 102

Risk Tolerance Retirement Planning Asset Allocation Retirement 102

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 156

Portfolio Clients Risk Tolerance Accounting 156

MainStreet Financial Planning

JULY 11, 2024

Each has unique benefits and drawbacks, and understanding these can help you decide which fits best with your financial situation, risk tolerance, and goals. Anna’s Takeaways When choosing the best savings or investment option, consider your financial situation, risk tolerance, and long-term goals.

Planning 76

Planning Risk Tolerance Education Investing 76

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 200

Assets Management Clients Compliance 200

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 177

Assets Management Compliance Retirement Planning 177

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 182

Risk Tolerance Financial Advisor Clients Engineering 182

Million Dollar Round Table (MDRT)

APRIL 25, 2024

This is measured vs. a model specific to the client’s risk tolerance. Spot issues before they become problems. The financial advisor recommends rebalancing within the asset allocation. How will clients get service when it’s needed? Clients who work with a financial advisor have a local point of contact.

Risk Tolerance 83

Risk Tolerance Financial Advisor Asset Allocation Advertising 83

WiserAdvisor

DECEMBER 3, 2023

It ensures that your portfolio aligns with your risk tolerance and enables you to establish the desired equilibrium between stocks and bonds. This helps you maintain a risk profile that resonates with your financial goals. Major life events often coincide with changes in your risk tolerance.

Portfolio 52

Portfolio Risk Tolerance Asset Allocation Financial Advisor 52

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 52

Risk Tolerance Clients Investing Investments 52

Carson Wealth

OCTOBER 6, 2023

A financial advisor can help guide you based on your goals, risk tolerance and other factors. 1 It’s difficult to envision a retirement filled with freedom when there’s nothing to fund the retirement. You don’t have to do it all alone, though.

Risk Tolerance 52

Risk Tolerance Investments Investing Financial Advisor 52

Advisor Perspectives

JULY 25, 2023

Consequently, how is the individual self-directed investor able to find the best stocks to meet their goals objectives, and risk tolerances? To find the best stocks to invest in, there are more than 19,000 stocks to pick from in the US and Canadian markets alone.

Risk Tolerance 52

Risk Tolerance Investments Investing Marketing 52

oXYGen Financial

AUGUST 14, 2022

Or did you challenge each assumption made within the financial plan to be certain that the assumptions matched your level of risk tolerance and were reasonable. ]]

Retirement 52

Retirement Risk Tolerance Financial Advisor Financial Planning 52