DWM Financial Group, Inc. | DWM Financial Group, Inc.

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Years Until Retirement

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1. What is your overall knowledge of investments?
a. High; I have extensive experience in investing and have a broad understanding of capital markets in general (5 Points)
b. Medium; I have some experience investing in mutual funds or individual stocks and bonds (3 Points)
c. Low; I have very little investment experience outside of bank savings accounts, money market funds, and CDs (2 Points)
d. None (1 Point)

Please select one option.

2. Which of the following best describes your attitude about long-term investing in bonds compared to stocks?
a. The lower return potential of bonds leads me to prefer stocks despite their higher volatility (5 Points)
b. Since bonds have the least volatility, but also lower returns, I have a hard time choosing between the two (3 Points)
c. The high volatility of the stock market concerns me, so I prefer to invest in bonds (1 Point)

Please select one option.

3. You have $100,000 to invest. The following choices show a range of possible results of three different types of investments at the end of one year. Which one would you choose?
a. Total value of $80,000 - $140,000 (5 Points)
b. Total value of $90,000 - $120,000 (3 Points)
c. Total value of $98,000 - $108,000 (1 Point)

Please select one option.

4.My current and future income sources (for example salary, Social Security, pensions) are...
a. Very stable (5 Points)
b. Stable (3 Points)
c. Somewhat stable (2 Points)
d. Unstable (1 Point)

Please select one option.

5. When you hear "risk" related to your finances, what is the first thought that comes to mind?
a. I think of the thrill of investing (5 Points)
b. I see opportunity for great returns (3 Points)
c. I understand that it's an inherent part of the investing process (2 Points)
d. I worry that I could be left with nothing (1 Point)

Please select one option.

6. When faced with a major financial decision, are you more concerned about the possible losses or the possible gains?
a. Always the possible gains (5 Points)
b. Usually the possible gains (3 Points)
c. Usually the possible losses (2 Points)
d. Always the possible losses (1 Point)

Please select one option.

7. If you were ever to experience a 20% decline or more in the value of your investments in one year, what would you do?
a. Invest more into the market (5 Points)
b. Reallocate my investments (4 Points)
c. Stay invested (3 Points)
d. Sell some positions (2 Points)
e. Sell everything (1 Point)

Please select one option.

8. What best describes your liquidity needs?
a. Aside from my portfolio, I have adequate liquid net worth and/or availability in a home equity loan to meet major near-term expenses (5 Points)
b. I will have to rely on part of my portfolio’s income to meet major near-term expenses (3 Points)
c. My portfolio is the major source of income for my everyday needs (1 Point)

Please select one option.

9. Which best describes your role in the monitoring and decision-making required to manage your investments?
a. I'm not interested in taking an active role at all and trust my advisor to keep me informed (5 Points)
b. I want to be informed of major changes and/or events to my portfolio, but do not want to take an active role in decision-making and monitoring (3 Points)
c. I need to be able to make every decision and take a very active role in managing my investments (1 Point)

Please select one option.

10. How would you describe your approach to making important financial decisions?
a. I confidently make decision and don't look back (5 Points)
b. I am comfortable making decisions most of the time (3 Points)
c. I reluctantly make decisions (2 Points)
d. I try to avoid making decisions (1 Point)

Please select one option.

(Optional) Please tally up your score and insert your total here.

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RTQ Points Risk Profile Possible Allocation

10-16 points Defensive [10-40% Equity, 40-70% Fixed Income, 20-30% Alternatives]

17-23 points Conservative [25-50% Equity, 30-50% Fixed Income, 20-30% Alternatives]

24-37 points Balanced [50-60% Equity, 20-30% Fixed Income, 15-30% Alternatives]

38-44 points Growth [60-70% Equity, 10-20% Fixed Income, 15-30% Alternatives]

45-50 points Aggressive [75-90% Equity, 0-10% Fixed Income, 10-30% Alternatives]