We are believers that before a person can be categorised on risk, they must fully understand what risk is. Our entire educational process is based around people getting the truth about investments and the process of investing and that truth is about understanding risk.

Rather than getting a tick box questionnaire filled out on the first meeting, we take clients on intensive discussions about risk and analyse what types of risks (and why) clients have taken on in the past. Once we have this basic understanding we evaluate whether this level of risk is adequate and whether or not, with better information, clients might have chosen a different level of risk.

This much more personalised and less generic approach to risk has identified real risk tolerances that have been very different from what traditional planners might have recognised.

This different approach to risk means we can tailor our advice. Our clients have a more comprehensive understanding of the risks inherent and they can actively be engaged in monitoring their situations with understanding.
This approach to Risk Profiling has ensured that all the strategies we have developed for clients over the Global Financial Crisis have not caused the panic and worry that other strategies have.

Area's of risk we discuss are:

• Market Risk
• Volatility
• Asset Selection Risk
• Default Risk
• Share Selection Risk
• Political Risk
• Opportunity Risk
• Interest Rate Management