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Your Financial Decision Profile

The Biggest Financial Decisions
Happen Outside the Portfolio.

Most advisors ask how much risk you can tolerate. We want to know that too — but we also want to know how you make decisions, what is coming up in your life, and what your money is actually for. There are no right or wrong answers; please respond based on how you genuinely feel. Takes about 7–9 minutes.

Getting Started

Your Information

Full Name *

Email Address *

Phone Number

Date

Part One

Your Risk Profile

These thirteen questions determine your risk score and suggested portfolio allocation.

Question 1 of 13

How would you describe your current knowledge of investments?

None Limited Good Extensive

Question 2 of 13

How would you react to short-term fluctuations in your investment portfolio?

I would be extremely uneasy about any fluctuations in my portfolio's value. I would be very concerned about short-term fluctuations, but not to the extreme. I would have some concern about short-term fluctuations. I would have very little concern about short-term fluctuations.

Question 3 of 13

How long would you be prepared to wait for your portfolio to recover from a major market downturn?

Historically, the longest recovery after a major crash has been approximately 4 years for stocks and 2 years for bonds.

Less than 1 year Between 1 and 2 years Between 2 and 3 years Over 3 years

Question 4 of 13

How soon do you plan to begin taking money from these investments?

Question 5 of 13

How much do you have in savings outside of these investments for emergencies?

Less than 3 months of expenses 3–6 months of expenses More than 6 months of expenses

Question 6 of 13

Which investment portfolio would you be most comfortable owning?

The chart shows hypothetical one-year outcomes for $100,000 invested in each portfolio. As expected returns increase from A to E, so does the range of possible outcomes — including the potential for loss. The ● gold dot marks the average return; the red bar shows potential loss and the blue bar shows potential gain.

Portfolio	Bonds & Cash	Equities	Worst Year	Avg Year	Best Year
Portfolio A	100%	0%	+$2,000	+$3,500	+$7,000
Portfolio B	75%	25%	−$5,000	+$5,000	+$13,000
Portfolio C	50%	50%	−$20,000	+$6,500	+$20,000
Portfolio D	25%	75%	−$30,000	+$8,000	+$28,000
Portfolio E	0%	100%	−$45,000	+$10,000	+$37,000

Potential Loss Average Return Potential Gain

All figures are hypothetical estimates for a broadly diversified portfolio of $100,000. Range of returns assumes 99% probability of likelihood; on rare occasions results could be substantially better or worse. Portfolios A–E reflect bond allocations of 100%, 75%, 50%, 25%, and 0% respectively.

Question 7 of 13

Imagine your portfolio dropped 25% over six months. What would you most likely do?

Sell everything immediately to stop any further losses. Sell some holdings to reduce my risk exposure. Hold steady — stay the course and wait for recovery. Add more — I would see this as a buying opportunity.

Question 8 of 13

Which statement best describes your primary investment goal?

Preserve capital — Protecting what I have is my top priority. Generate income — I need regular cash flow from my investments. Balance growth & income — I want a blend of appreciation and cash flow. Grow wealth — Long-term capital appreciation is my primary goal.

Question 9 of 13

Which statement best describes your current financial situation?

I am retired and my investments are a primary source of living expenses. I am approaching retirement (within 5 years) and shifting toward preservation. I am mid-career with stable income and do not rely on these investments currently. I am in an early or high-income growth phase with a long investment horizon ahead.

Question 10 of 13

Aside from regular withdrawals, do you anticipate needing a significant lump sum from these investments in the next three years?

For example: a home purchase, tuition, business capital, or a major medical expense.

Yes — likely more than half the portfolio. Yes — a meaningful portion, roughly 10% to 50%. Possibly a small amount, under 10%. No — I don't anticipate any lump-sum needs.

Question 11 of 13

Roughly what share of your total net worth do these investments represent?

Consider real estate, business interests, company stock, and retirement accounts held elsewhere.

Nearly all of it — this is essentially my entire net worth. Most of it — roughly 60% to 90%. About a third to half. A smaller portion — I have substantial assets elsewhere.

Question 12 of 13

Thinking back to a significant market decline you lived through as an investor — such as 2020 or 2022 — what did you actually do?

Sold investments to move to cash. Stopped contributing, or reduced my exposure. Made no changes and stayed invested. Kept investing, or added to my positions. I wasn't investing at the time.

Question 13 of 13

Which best describes your household income and financial obligations?

Income is variable or uncertain, and others depend on me financially. Income is variable or uncertain, with limited obligations to others. Income is stable and predictable, with meaningful obligations to others. Income is stable and predictable, with few financial obligations.

Part Two

Getting to Know You

These questions don't affect your risk score. The biggest financial decisions usually happen outside the portfolio — these tell us where those decisions are for you.

Question 1 of 7

Which financial concern occupies your mind most often today?

Question 2 of 7

Imagine the stock market declines 25% over the next year. Three years later, which outcome would disappoint you the most?

I stayed invested and lost too much. I became too conservative and missed the recovery. Neither — I understand both outcomes are possible. I'm not sure.

Question 3 of 7

If you had to pick one, what is your money mostly for?

To have options — the ability to change course when I want to. To know we'll be alright no matter what happens. To support the people who depend on me. To build something that outlasts me. To give to causes that matter to me. Something else

Question 5 of 7

When making major financial decisions, which statement sounds most like you?

I usually know exactly what to do. I gather information but often wonder if I'm missing something. I prefer having an experienced guide challenge my thinking before I decide. I tend to delay difficult financial decisions.

Question 6 of 7

Think about the three biggest financial decisions you'll likely face over the next ten years. What do you think they are?

This is the question we care most about. Selling a business, retiring, helping children, caring for parents, downsizing, an inheritance — whatever is genuinely ahead of you. A few words each is plenty.

Question 7 of 7

When an important financial issue arises, how do you prefer to hear from us?

⚠ Please answer all questions before submitting. Unanswered questions are highlighted above.

* Required. Your information is kept strictly confidential. By submitting you agree that ABU Group may contact you to discuss your results.

What This Means

—

Suggested Portfolio Allocation

Based on Your Responses

Equities

Fixed Income

60% Equities / Growth Assets

40% Fixed Income / Bonds

—

Risk Spectrum

Where You Fall

▼

ConservativeMod. ConservativeModerateMod. AggressiveAggressive

Your Responses

Answer Summary

What Happens Next

Thank you for completing this assessment, —. Your results are displayed above. A member of the ABU Group team will be in touch personally to walk you through your profile and design a personalized investment strategy tailored to your goals.

Adam Udy, MS, MBA, CFP®, CDFA®, CEPA | Joe Ayers, AWMA® | Chisum Preble, MBA, SE-AWMA®

📞 702.847.7424 ✉ adam@abu-group.com 🌐 abu-group.com

Important Disclosure: This questionnaire is provided for informational and planning purposes only and does not constitute investment advice or a guarantee of future results. The suggested portfolio allocation is a general guideline based on your questionnaire responses and is subject to change following a comprehensive review of your complete financial picture. Investing involves risk, including possible loss of principal.

Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Cambridge and ABU Group are not affiliated.

The Biggest Financial DecisionsHappen Outside the Portfolio.

What Happens Next

The Biggest Financial Decisions
Happen Outside the Portfolio.