Accurate Risk AssessmentCustomised for your team
Client-facing risk questionnaires that automatically calculate risk scores, categorize tolerance levels, and integrate seamlessly with your investment recommendations.
Intelligent risk categorisation
Automated 0-100 scoring system that evaluates client responses and assigns them to the appropriate risk tolerance category - no manual calculation required.
Conservative
0–20Prioritises capital preservation with minimal tolerance for volatility. Suitable for short-term goals or clients near retirement.
Moderate
21–40Accepts limited volatility for modest growth. Balanced approach between stability and returns.
Balanced
41–60Comfortable with moderate volatility for reasonable growth. Diversified portfolio approach.
Growth
61–80Accepts significant volatility for strong growth potential. Long-term investment horizon.
Aggressive
81–100High tolerance for volatility in pursuit of maximum growth. Extended time horizon and strong financial capacity.
What the risk profiler assesses
Comprehensive evaluation across multiple dimensions to determine true risk tolerance.
Investment knowledge and experience
Financial goals and time horizons
Reaction to market volatility
Risk capacity vs. risk appetite
Previous investment behavior
Income stability and emergency reserves
Template formats available
Choose from pre-built templates or create custom questionnaires that match your firm's approach.
Quick Assessment (10Q)
Annual reviews or simple assessments
Comprehensive (25Q)
New clients or detailed profiling
Custom Templates
Firm-specific methodologies
Transparent, automated scoring
The system automatically calculates risk scores based on weighted responses, normalises to a 0-100 scale, and assigns the appropriate category. All scoring logic is transparent and customisable to your firm's methodology.
Better experience for clients and advisers
Move beyond in-meeting questionnaires. Let clients complete risk profiles at their own pace with a professional, secure digital experience.
Complete Anywhere, Anytime
Mobile-optimized forms work perfectly on phones, tablets, or computers. Clients complete at their convenience, not in a rushed meeting.
Thoughtful Responses
Without time pressure, clients provide more considered, accurate answers that truly reflect their risk tolerance and capacity.
Secure & Private
Password-protected access with optional email verification. All responses encrypted and stored securely.
Save and Resume
Progress automatically saved. Clients can pause and return later without losing their work.
Complete Response History
View all historical risk profiles with timestamps. Track how client risk tolerance changes over time - essential for annual reviews and portfolio rebalancing discussions.
Better Client Conversations
Spend meeting time discussing results and recommendations, not reading questions. Focus on advice, not administration.
Compliance-ready documentation
Everything you need to meet FMA requirements and demonstrate proper risk assessment processes.
Full audit trail of all responses
Timestamped submission records
IP address tracking for verification
Password protection available
Email verification optional
Secure link expiry dates
Save 20-50 minutes per client while improving data quality
From risk assessment to investment advice
Risk profiles aren't standalone documents - they integrate with your investment modelling and portfolio recommendations to ensure suitability and compliance.
Risk Profile Completed
Client completes questionnaire, system auto-calculates score and category
Score Saved to Client Record
Risk tolerance automatically updates in household profile
Portfolio Alignment
Compare current portfolio against risk profile for suitability analysis
Investment Recommendations
Create SOAs and investment proposals aligned with documented risk tolerance
How advisers use risk profiles in practice
Annual Risk Reviews
Track risk tolerance changes over time. Compare year-over-year scores to identify shifts in client comfort levels - essential for portfolio rebalancing discussions.
Portfolio Rebalancing Triggers
When risk scores decrease significantly (e.g., from 75 to 55 after market volatility), the data supports conversations about moving to more conservative allocations.
SOA Documentation
Include risk profile scores and categories in Statements of Advice. Demonstrate how recommendations align with documented risk tolerance.
New Client Onboarding
Establish baseline risk tolerance before making initial investment recommendations. Build portfolios that match client comfort levels from day one.
Full adviser control and oversight
While the system automates scoring, advisers maintain complete control over how risk profiles are used and applied.
Review responses question-by-question
Recalculate scores with custom weighting
Compare multiple risk profiles over time
Override scores if client circumstances change
Export full response history for compliance
Use in client review meetings
Ready to transform your financial advice practice?
Join financial advisers using Wealthie's agentic document generation to streamline their practice and deliver better client outcomes with seamless data integration.
Live data integration with your modelling and CRM platform for instant document generation
Digital sharing with one-click link generation and secure client delivery & access
Smart templates for SOAs, TOEs, discovery forms, and all essential advice documents
Meaningful time savings turning hours of manual work into minutes of review time
Included with modelling and CRM plans — document generation comes standard with all Wealthie subscriptions.
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