Client Questionnaires

Client Questionnaires

Risk Tolerance Questionnaire

Determining Your Investor Risk Profile and Investment Objectives

A key step in the financial planning process is to determine your risk profile. This profile will help determine key factors such as your time horizon, investment objectives and attitudes toward investing. This profile is critical in the development of an appropriate asset allocation policy.

To complete this profile, answer each question by circling the number in the right hand column that best matches your situation. Remember to answer the questions according to your investment objectives.

Life Insurance Needs Analysis

(Typically between 60% - 75% of total income)
(Do not include income earned on your assets, as it is addressed later in the calculation)
(Subtract line 2 from line 1)
(Multiply Line 3 by appropriate factor in Table A below)
(Typically the greater of $15,000 or 4% of your estate)
(Include mortgage balance, credit card balance, car loans, etc)
(See Capital For College Table. 2013-2014 average 4-year cost: Private $163,668; Public $73,5642)
(Add items 4,5,6 & 7)
(Bank accounts, money market accounts, CDs, stocks,bonds, mutual funds, annuities, etc)
(IRAs, 401(k)s, SEP plans, SIMPLE IRA plans, Keoghs, pension and profit sharing plans.)
(Add lines 9,10, & 11)
(Subtract line 12 from line 8)

Note: These tables help you determine net present value (NPV)., the amount of capital required today to satisfy future income or college cost needs, given an assumed investment return of 6%, inflation of 3% for living costs and 5% for college costs.

Table A

Years Income Needed Factor
10 8.8
15 12.4
20 15.4
25 18.1
30 20.4
35 22.4
40 24.1

Table B

Years Before College Factor
5 .95
10 .91
15 .86
20 8.2

Capital Needed For College

Estimated 4-year cost Appropriate factor from table B NPV
Child 1 X =
Child 2 X =
Child 3 X =
Child 1 Child 2
Estimated 4-year cost
X
Appropriate factor from table B3
=
NPV

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Amarillo, TX 79109

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Advisory Services are offered through Creative Financial Designs, Inc., a Registered Investment Adviser. Securities are offered through cfd Investments, Inc., a Registered Broker/Dealer, Member FINRA & SIPC, 2704 S. Goyer Rd., Kokomo, IN 46902. 765-453-9600. The Blackmont Group and Asset Max are not owned or controlled by the cfd companies or each other. Advisers are not licensed in all states. Neither The Blackmont Group, Asset Max nor the CFD Companies are associated with SmartVestor or Ramsey Solutions.  Neither SmartVestor nor Ramsey Solutions recommend or make an endorsement for services provided under the SmartVestor program.

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