How much investment risk feels right for you?
Give your comfort with investment risk a clearer reference point, before your next financial decision.
Complete Nitrogen’s assessment in about five minutes. Our team typically emails your Risk Number and a brief explanation within two business days.
Especially relevant for individuals and families approaching retirement or recently retired. Our investment management relationships generally start at $500,000 in managed assets.
No cost · No obligation · No investment statements required
Opens the Nitrogen assessment in a new tab. Your contact information lets our team follow up with your result.
A short assessment.
A useful starting point.
Answer the questions
Consider financial scenarios and tradeoffs that help describe your comfort with investment risk. Allow about five minutes.
Our team reviews your result
We review your submission and prepare a brief explanation of your score. This is an introduction to your risk preferences.
Receive your number by email
Typically within two business days, you receive your Risk Number and context for a future conversation. No meeting is required.
Three questions shape the risk conversation.
Your Risk Number starts with comfort. A broader review considers what your finances can support and how your investments are positioned.
Your comfort
How much investment uncertainty are you willing to accept?
Your answers inform your Risk Number.
Your financial capacity
How much loss could your household withstand while meeting its needs?
Income, spending, withdrawals, and time matter.
Your portfolio risk
How much risk do your current investments carry?
This requires reviewing your holdings.
A higher score is not a better score. The useful question is how your preferences fit your financial circumstances.
Your investments may soon help fund your life.
Market declines can affect both your account balance and your decisions. When you are also taking withdrawals, the timing of returns can influence how long your savings last.
Understanding your comfort with risk helps frame that conversation. Your income sources, spending needs, cash reserves, and time horizon help complete the picture.
See how the assessment works.
Prefer to watch first? This video introduces the risk conversation. You can also go directly to the assessment.
A clearer view of your comfort with risk.
Complete the assessment in about five minutes. Receive your reviewed number and a brief explanation by email, typically within two business days.
No cost. No obligation to schedule a meeting.
Want to see the broader picture?
A complimentary Wealthspan Review™ organizes your income, savings, protection, and upcoming decisions. Your Risk Number can be one input in that conversation. The Review helps identify priority questions; personalized recommendations require further work.
Request a Wealthspan Review™Common questions
What does my Risk Number measure?
Nitrogen’s Risk Number® summarizes your stated comfort with investment risk on a scale from 1 to 99. Higher numbers generally indicate greater comfort with risk. It is one input in a financial conversation, rather than a complete assessment of your financial situation.
How long does the assessment take, and when will I receive my results?
Allow about five minutes to complete the assessment. Our team reviews your submission and typically emails your Risk Number with a brief explanation within two business days. A weekend or holiday may extend the calendar time.
Do I need to upload investment statements?
No investment statements or account login credentials are required to complete this assessment. The questionnaire may ask about financial amounts and scenarios. Reviewing the risk in your actual investments would require a separate portfolio analysis.
Does my number tell me whether I can retire or how to invest?
No. Your comfort with investment risk is different from your financial ability to withstand losses. Retirement timing and investment decisions also depend on income, spending, withdrawals, taxes, time horizon, and other household circumstances. The assessment does not provide a personalized investment recommendation.
Is there a cost or a commitment?
There is no cost to complete the assessment and receive your reviewed result. You do not need to schedule a meeting or engage our services to receive it.
Powered by Nitrogen
The Wealthspan Risk Number experience uses Nitrogen’s Risk Number® assessment, which summarizes stated investment risk preferences on a scale from 1 to 99. Risk Number® is a Nitrogen trademark.
The assessment is educational and does not provide a complete financial plan, determine a suitable investment allocation, or predict future behavior or investment performance. All investing involves risk, including possible loss of principal.
The assessment is hosted by Nitrogen. Submitted contact information and assessment results are made available to Longevity Wealth Strategies for review and follow up. Review the privacy notices provided with the assessment before submitting information.