Riskalyze uses cutting-edge technology to identify your acceptable levels of risk and reward.
We use this tool to ensure your portfolio defines your investment goals and expectations.
Answer a five-minute questionnaire covering topics such as portfolio size, top financial goals and what you’re willing to risk for potential gains. We’ll pinpoint your Risk Number to guide our decision-making process.
After pinpointing your Risk Number, we’ll craft a portfolio that aligns with your personal preferences and priorities, allowing you to feel comfortable with your expected outcomes. The resulting proposed portfolio will include projections for the potential gains and losses one should expect over time.
We will also review your progress toward your financial goals by building a retirement map. When we are finished, you’ll better understand what we can do to increase the probability of success.
Disclosure: All investing involves risk, including possible loss of principal. No investment strategy can guarantee a profit or protect against loss.
After taking the Riskalyze questionnaire, one client realized that his investment portfolio was out of sync with his risk tolerance. This was determined by comparing the risk score of the client from the questionnaire to the risk score calculated from the client’s actual portfolio. Since the client held assets outside of Northern Oak’s management, it was important to evaluate all assets. Northern Oak determined much of the risk of the portfolio was attributed to assets held elsewhere due to stock and sector concentration along with too much allocation in equities. The client decided to move a majority of his other assets to Northern Oak to allow for a more comprehensive strategy, resulting in a portfolio more aligned with the client’s personal risk profile.
We recently met with a couple who, based on our first meeting, had very different risk profiles. This situation is not unusual. We see a material variance in risk many times between couples. In this case, the couple separately took our Riskalyze questionnaire, and as expected, one scored much higher than the other. Our first move at Northern Oak was to look at the couple’s combined assets to see their asset allocation and compare it to what we felt it should be. Based on the overall investment objectives of the couple, a balanced approach was determined to be ideal on a combined basis. However, we needed to determine how to run the portfolios to satisfy each person’s risk tolerance. Fortunately, the difference in this case was the couple kept their accounts separate. This allowed Northern Oak to tailor an overall portfolio designed to meet the couple’s long-term investment goals. We placed the growth part of the portfolio in one person’s portfolios, while the more conservative, balanced approach was utilized in the other spouse’s portfolio.