Risk Tolerance Questionnaire

How this works: Answer each question honestly based on your situation today — there are no right or wrong answers. The questionnaire is weighted by category per FinaMetrica / CFP methodology (Time Horizon 25%, Volatility Tolerance 25%, Liquidity 15%, Knowledge 15%, Income Stability 10%, Goals 10%) and produces a 0–100 risk score that maps to a recommended equity/fixed-income allocation. This document becomes part of your client file as the basis for any portfolio recommendation.

⏱ Time Horizon 25% Weight

1When do you expect to begin withdrawing money from this portfolio?

2Once you begin withdrawing, how long do you expect these withdrawals to last?

A single lump-sum withdrawal 1 to 5 years of distributions 6 to 10 years 11 to 20 years More than 20 years (lifetime income)

💧 Liquidity Needs 15% Weight

3What percentage of these investable assets might you need to access on short notice (within 12 months) for an unexpected need?

More than 50% — I may need most of it 25% to 50% 10% to 25% Less than 10% None — this is fully long-term capital

4Do you have a separate emergency fund (3–6 months of expenses in cash) outside of these assets?

No emergency fund Less than 3 months 3 to 6 months More than 6 months

📚 Investment Knowledge 15% Weight

5How would you rate your familiarity with stocks, bonds, and mutual funds?

None — I do not understand how they work Limited — I have heard of them but cannot explain them Moderate — I understand the basics Good — I have actively invested in them Extensive — I understand asset allocation, risk-adjusted returns, and diversification deeply

6How familiar are you with more complex instruments like options, futures, alternatives, or leveraged ETFs?

Not familiar at all Heard of them, but never used I understand how they work conceptually I have used them and understand their risks

📉 Volatility Tolerance 25% Weight

7If your $100,000 portfolio dropped to $70,000 in one year (a 30% loss), what would you do?

Sell everything immediately — I cannot stomach this Sell some to reduce my exposure Hold and wait it out Hold and rebalance back to my target allocation Buy more — this is a buying opportunity

8Which of these one-year hypothetical outcomes would you find most acceptable?

+4% best / −1% worst (very low volatility) +8% best / −5% worst +14% best / −12% worst +22% best / −20% worst +35% best / −30% worst (high volatility for higher returns)

9How often would you check your portfolio value during a period of market turbulence?

Daily — I would obsess over it Weekly Monthly or at scheduled reviews Annually — I trust the long-term plan

💼 Income Stability 10% Weight

10How would you describe the stability of your current income (employment, business, or retirement income)?

Very unstable — variable, commission, or at risk Somewhat unstable Stable — predictable salary or business income Very stable — guaranteed (pension, tenured, Social Security, large reserves)

11If you lost your primary income source, how long could you maintain your current lifestyle from savings outside this portfolio?

🎯 Goals & Priorities 10% Weight

12Which statement best describes your primary investment objective?

Preserve capital — I cannot afford to lose principal Generate income with very modest growth Balanced — moderate growth with moderate income Long-term growth — I accept fluctuation for higher returns Aggressive growth — maximize long-term return, accept significant volatility

13Pick the statement that best matches your attitude toward risk:

I avoid risk wherever possible — peace of mind matters more than returns I take small risks for small rewards I'm comfortable with measured risk for better returns I actively seek higher risk for the chance of higher returns

📊 Your Risk Profile

—/100

Weighted Risk Score

ConservativeMod. Cons.ModerateMod. Aggr.Aggressive

Risk Bucket

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Complete questionnaire above

Recommended Allocation

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📁 Recommended Portfolio Models

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