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ONE Risk Profile

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The Risk Tolerance Client Questionnaire is designed to help give your Financial Adviser insight into your investor profile and your tolerance for assuming risk. Gauging your level of comfort with risk can be complex.

For example, if you are a conservative investor, you may still want to have part of your overall investments invested aggressively to try to achieve inflation-beating returns or to balance a generally conservative portfolio. Or you may already have different investment objectives for different portions of your overall portfolio.

Completing this questionnaire will help you and your Financial Adviser develop a portfolio that will best match your expressed investment objectives, time horizon and risk tolerance. This questionnaire is an important part of creating an appropriate investment program for your unique situation.
How long will it be before you expect to begin making regular withdrawals from this account?*
- Less than 2 years
- 2-4 years
- 4-6 years
- 7-10 years
- More than 10 years
What percentage of the portfolio’s current value do you believe you'll need to withdraw annually once withdrawals begin?*
- Greater than 8%
- Greater than 5%, but less than 8%
- Greater than 2%, but less than 5%
- Less than 2%
- I do not intend on withdrawing money from this account in the foreseeable future
It is likely that a large percentage of the account will be withdrawn in the next 5 years.*
- Strongly agree
- Agree
- Somewhat agree
- Disagree
- Strongly disagree
Investments with low rates of return sometimes earn less than the inflation rate, which means that there is a loss of purchasing power. For example, in a year with a 3% inflation rate, a 5% after-tax return before inflation would have a real return of only 2% (5% – 3% = 2%). Which of thefollowing best summarizes your attitudes regarding investing and inflation?*
- My money should be “safe” with little or no volatility, even if it means my returns do not keep up with inflation.
- I prefer to minimize short-term volatility (and the potential for loss), even if it means that myportfolio is only expected to keep pace with or slightly exceed inflation.
- I prefer a portfolio that seeks to moderately exceed inflation over the long run and I am willing toaccept moderate short-term fluctuations in value (and a moderate potential for loss) to achieve this goal.
- I prefer a portfolio that seeks to substantially exceed inflation over the long run and I am willing toaccept large, short-term fluctuations in value (and a greater potential for loss) to achieve this goal.
Future projected income levels are important to understand when assessing risk. How would you describe your future income cash flow?*
- Unpredictable or unstable
- Fairly consistent
- Expected to be stable or slightly increase
- Stable, and I have high confidence level it will continue to increase
Which response best represents your view about the following statement? “In my portfolio, I am comfortable with investments that may lose money from time to time, if they offer the potential for higher returns.”*
- Strongly disagree
- Disagree
- Somewhat agree
- Agree
- Strongly agree
If the market were to drop 20% in a short period, your most likely reaction would be:*
- I would sell everything, and it would confirm that I am not comfortable with the market.
- I would sell some positions in the portfolio, and move to “safer” investments.
- I would stay the course, choosing to pay less attention to the financial news.
- I would invest more in attempt to take advantage of low prices.
The degree to which the value of an investment fluctuates over time is known as "volatility." In general, volatile investments tend to grow faster over time but carry more risk because large upswings can also mean large downswings, and there is no way to know if the ups will be larger than the downs. With respect to your portfolio, how much volatility are you willing to accept?*
- Minimal – I do not want to risk losing money, even if it means my returns are relatively small.
- Some – I am willing to accept occasional short term losses as long as my portfolio is generally structured to grow over time.
- Moderate – I am willing to accept moderate ups and downs of the market, to pursue higher returns.
- Considerable – I am willing to take substantial risk to pursue significantly higher returns
Generally, as an investor, the more risk you are willing to undertake — or the more volatility you can withstand — the higher the potential return over a sufficiently long investment time horizon. Review the account values below, of the5 hypothetical portfolios of $100,000, and their potential gains and losses over a 1 year period, which portfolio would you invest in? After Gain / After Loss*
- $105,000 / $95,000
- $110,000 / $90,000
- $115,000 / $85,000
- $120,000 / $80,000
- $125,000 / $75,000
Your investment objective summarizes the primary purpose of your account. It serves to define how assets should be managed. Select the objective that best fits the purpose of your account.*
- Preserve asset value
- Generate current income
- Achieve asset growth with moderate current income
- Achieve strong asset growth with nominal income
- Achieve maximum asset growth

Name*
First Last
Phone*
Birthday*
Date Format: MM slash DD slash YYYY
Company*
Email*
Address*
Street Address Address Line 2 City State ZIP Code
Investable Net Worth
Helps us pair you with a specialist financial advisor for your specific goals.
Spouse Name If Married
First Last
If Referred, Enter Name
First Last
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Total Score*
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Check the background of your financial professional on FINRA's BrokerCheck.

One Wealth Management Financial and Insurance Services, Inc. (California Insurance License #0M75730) is not registered in any state or with the U.S. Securities and Exchange Commission as a Registered Investment Advisor. Securities products and advisory services are offered through Park Avenue Securities LLC (PAS), FINRA, SIPC. OSJ: 333 N Indian Hill Blvd., Claremont, CA 91711, 909-399-1100. PAS is an wholly-owned subsidiary of The Guardian Life Insurance Company of America® (Guardian), New York, NY.

One Wealth Management Financial and Insurance Services, Inc. is not an affiliate or subsidiary of PAS or Guardian.

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