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Portfolio Risk Management
in Memphis

A successful investment strategy is built upon an understanding of risk.

To help you define the level of risk that aligns more accurately with your goals, we take a more modern approach to portfolio risk management, shunning investor stereotypes and thoughtfully analyzing your risk tolerance. We then keep your portfolio aligned accordingly as markets—and life circumstances—change over time.

Strengthen Your Financial Foundation

Risk Management

Risk Management Without Investor Stereotyping

If you’ve ever been asked to complete an investment risk questionnaire, you’ve likely experienced a kind of investor stereotyping that belongs in the past.

Understanding Traditional Risk Assessments

Consider this familiar question:

 

Do you describe yourself as a “moderately conservative” investor?

 

Since that description can mean vastly different things to different people, the questionnaire’s usefulness in today’s wealth management environment is limited. And what about age as a determining factor in risk management? Again, it’s highly subjective.

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What’s Your Risk Number?

At RBG Wealth Advisors, we take a different approach to risk management. We use the Risk Number®, a quantitative—and in our opinion more reliable—way to measure your risk tolerance, pinpointing the amount of risk you want in your portfolio, how much you currently have, and the amount you need to take to reach your investment goals. We then use this less subjective, higher-quality data to build an optimized portfolio that fits your risk tolerance and goals. Use the button below to give our Risk Number® Calculator a spin.

How does your portfolio align with your goals for risk?

FAQ

Frequently Asked Questions About Portfolio Risk Management

Clients often want clarity on how much risk they’re actually taking and whether it matches their comfort level.
1. How do I figure out my true risk tolerance?
Traditional questionnaires can oversimplify; we use Nitrogen’s quantitative Risk Number® to measure your comfort with gains and losses more precisely. This data-driven approach removes stereotypes and helps us align your portfolio accurately with the risk you want, have, and need for your goals.
Portfolios are built with your specific Risk Number® in mind, incorporating diversification and ongoing monitoring to weather volatility. We stress-test strategies up front and review regularly, making measured adjustments so you can stay invested without panic during downturns.
We review risk alignment at least annually and after life events (e.g., marriage, new business, inheritance) that might shift your comfort level. Rebalancing and tactical adjustments keep the portfolio within your defined range while pursuing long-term objectives.
Standard questionnaires often stereotype investors with subjective labels like “moderately conservative,” which mean different things to different people. Our Risk Number® provides an objective, numerical score based on your actual responses to potential gains and losses, delivering more accurate alignment. This modern method removes guesswork and builds greater confidence in your plan.
Many investors discover a mismatch only after experiencing discomfort in volatile markets. We use the Risk Number® tool to quantify your current portfolio risk, compare it to your tolerance and goals, and recommend precise adjustments. Try our embedded Risk Number® Calculator on this page for an immediate, no-obligation view of how your investments align.

Don’t Let Poor Risk Management Compromise Your Financial Planning

If you’re ready to take a more modern approach to portfolio risk management, contact us to schedule a consultation.

Strengthen Your Financial Foundation