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

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

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 Investments Investing 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

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

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 246

Risk Tolerance Estate Planning Retirement Planning 246

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

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

The Big Picture

AUGUST 19, 2022

I am not a fan of that framing; my preference is to note that different investors in equity and fixed income have very different risk tolerances stocks, time horizons, and investment goals. .” Does the bond market disagree with the stock market?

Marketing 321

Marketing Marketing Risk Tolerance Economy 321

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 245

Risk Tolerance Financial Advisor Clients Planning 245

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 239

Risk Tolerance Startup Compliance Clients 239

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

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 111

Financial Advice Risk Tolerance Financial Planning Government 111

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

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 244

Assets Management Compliance Retirement Planning 244

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

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

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

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 Investing Investments 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

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

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 93

Risk Tolerance Financial Advisor Investing Investments 93

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 93

Portfolio Risk Tolerance Accounting Taxes 93

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 45

Risk Tolerance Portfolio Investment Advisor Clients 45

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 Investing Investments Retirement 85

The Chicago Financial Planner

FEBRUARY 5, 2022

Any investment strategy that does not incorporate your goals, time horizon, and risk tolerance is flawed. Rather I suggest an investment strategy that incorporates some basic blocking and tackling: A financial plan should be the basis of your strategy. Take stock of where you are.

Investments 184

Investments Investing Financial Planner Risk Tolerance 184

Nationwide Financial

OCTOBER 12, 2022

A bear market may reveal to investors that they are over-exposed to more risk than they are comfortable with. In this case, a risk tolerance review with a financial professional can help align your holdings with your true risk tolerance.

Investments 105

Investments Investing Risk Tolerance Marketing 105

Nerd's Eye View

AUGUST 19, 2024

Because there is no single 'right' price, structure, or financing mechanism for every firm, getting clear on G1's financial goals, G2's ability to finance the deal, and the value of the firm (perhaps with the assistance of an external valuation service) can help ensure that all parties are clear on what the succession will look like and whether it (..)

Planning 130

Planning Risk Tolerance Clients Valuation 130

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 86

Risk Tolerance Financial Advisor Financial Advising Clients 86

Brown Advisory

SEPTEMBER 6, 2022

Given an institution’s long-term return objectives and risk tolerance, the Investment Committee (IC) should partner with its investment advisor to define an asset allocation approach that creates the greatest likelihood of achieving its financial goals. RISK AND RETURN. LOOKING THROUGH THREE LENSES TO EVALUATE RISK.

Asset Allocation 98

Asset Allocation Assets Investing Investments 98