The Tolerisk Score
The fiduciary standard in risk tolerance assessment.
One number on a scale your clients already understand, built from what they’re willing to take and what their finances can carry.
How it’s calculated
Two scores in, the lower one out.
Willingness
How much market risk the client is willing to accept, from 10 or 20 questionnaire responses. Every respondent in the household is measured.
Ability
How much risk their finances can sustain, based on the chronology of their cash flows: assets, income, spending and goals.
Tolerisk Score
The lesser of the two at any point in time, stated as the percentage stocks in a simple stocks-bonds benchmark.
Over time
A score that moves with your client’s life.
Tolerisk projects how ability evolves as the household moves toward and through its cash flows, and shows when the constraint shifts between willingness and financial ability.
Why it’s different
Where typical risk tolerance exercises fall short.
Willingness vs. ability
Typical: measures personality and willingness only.
Tolerisk: measures both separately and combines them into an actionable recommendation.
Validated assumptions
Typical: client assumptions go unchecked.
Tolerisk: models second-to-die mortality, evolving risk and dynamic inflation to calculate the probability of running out of money.
Key drivers over time
Typical: a snapshot with no sense of what moves it.
Tolerisk: stress-tests every input and shows how risk tolerance evolves with life changes.
An understandable scale
Typical: vague labels or proprietary numbers.
Tolerisk: a standard scale based on a stocks-bonds benchmark, easy to compare with model portfolios.
Gradual, not categorical
Typical: jumps between broad categories.
Tolerisk: a quantifiable score that allows intentional, gradual adjustments.
Get the white paper: 4 risk tolerance mistakes that put client relationships at risk.
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