Most risk questionnaires ask what a client says they can tolerate. AwareFi asks the questions that reveal what they will actually do, and why. It is the heart of everything else the platform does.
Written to be engaging rather than clinical. Pick an answer and see what it tells the advisor.
AwareFi keeps three questions apart, so you can see exactly where a recommendation comes from.
Time horizon, withdrawal needs, liquidity and obligations. Facts, not feelings. This sets the ceiling.
A genuine personality trait, measured from several angles rather than guessed from age and a hunch.
The emotional patterns and habits of mind that decide whether a good plan survives its first bad year.
This is not about labelling clients. Everyone has a money story. The point is to find the pressure points early enough to plan around them together.
Illustrative scores. For future orientation and composure, higher is a strength.
Clients remember a persona long after they forget a number. It gives you both a shared, warm language for the conversations that matter, and it tells you where to begin.
Risk registers as danger first. Vigilance, well channelled, is a real strength.
Researches everything and decides with conviction, yet still feels losses deeply.
Comfortable with the waves and happy to let process steer rather than prediction.
Opportunity seeking and willing to act. Risk feels like open water, not rough water.
Every trait AwareFi measures rests on published, peer reviewed research into how people actually make decisions about money. Three examples of how that research shows up in the questions your clients answer:
Asks what gain it would take to accept a possible loss. It follows the method researchers use to measure loss aversion, where most people need a gain roughly twice the size of the loss.
Kahneman and Tversky, 1979; Tversky and Kahneman, 1992Asks whether to take $1,000 now or $1,150 in a year. Choices like this reveal how strongly someone discounts the future, which predicts how well they save.
Laibson, 1997; Thaler and Benartzi, 2004Asks how often a client looks at their portfolio. Research shows that checking more often makes losses feel more frequent and leads people to take less risk than their goals need.
Benartzi and Thaler, 1995; Thaler and colleagues, 1997A Standard Risk Score from 1 to 100, set by the lower of tolerance and capacity. A persona your client will recognize themselves in. And the range their appetite for risk is likely to drift through when markets get loud, so you know which way they will wobble before they do.
Then a meeting guide with the specific questions worth asking this client, this year.
See how it becomes the paperworkComfortable with uncertainty and generally composed when markets are volatile.
The same answers always produce the same score. No model decides a client's risk profile.
Every report shows tolerance, capacity, the governing rule and any cap that applied.
Behavioural insight enriches the conversation around the score. It never quietly changes the score itself.