Most people approaching retirement have never had their comfort with investment risk clearly measured
The Wealthspan Risk Number gives that question a number.
In five minutes, you can create a clearer reference point for how much risk you are actually comfortable taking before markets, withdrawals, or retirement timing force the issue.
Designed for individuals and families with $500K or more who are approaching retirement, recently retired, or making larger financial decisions.
In 5 minutes, you'll know exactly how much investment risk you're actually comfortable with—before the market forces you to decide.
No cost · No obligation · Reviewed by our team
You know how you think about money.
But do you know how you actually think about risk?
Most investors describe themselves as moderate. What that means in practice varies enormously, and the difference rarely shows up until markets move at exactly the wrong moment.
The Wealthspan Risk Number puts a precise number on your personal comfort with investment risk. Not an estimate. Not a category. A number, built on Nitrogen’s Risk Number® methodology, which Nitrogen describes as a proprietary scaled index built on a Nobel Prize-winning framework.
Knowing your number before those moments arrive can create a better starting point for building a retirement income plan you can actually stay with through volatility, transitions, and the decades ahead.
Two minutes.
Then you will understand why your Wealthspan Risk Number matters.
Watch before you begin. It will help you understand how the assessment connects to real retirement decisions.
Four insights.
Five minutes.
Each one directly relevant to building a retirement income plan you can stay with.
A precise, quantified measure of your personal comfort with investment risk, not a generic category or assumption.
How your number translates into real decisions about income, withdrawals, and behavior when markets move.
Why your Risk Number is more consequential in the distribution phase than at any earlier point in your financial life.
How this number can become one input in a broader conversation about retirement income, withdrawals, taxes, and risk.
During accumulation, risk misalignment is uncomfortable.
In retirement, it becomes structural.
When you are still working, time and ongoing income can help absorb volatility. A portfolio carrying more risk than you are comfortable with might cause anxiety, but the paycheck is still coming in.
In retirement, the same misalignment can have real consequences. Withdrawals combined with market declines at the wrong moment can create sequence of returns risk, which may reduce how long a portfolio lasts even if long-term returns eventually recover.
The behavior that tends to do the most damage is not the market decline itself. It is the decision to react, selling at the wrong time, disrupting the withdrawal sequence, or repositioning under pressure.
Three steps. Five minutes.
One reviewed number worth knowing.
Scenario-based questions that measure your genuine comfort with financial risk, not what you think the right answer should be.
Your assessment is sent to the Longevity Wealth Strategies team for review so the number can be delivered with useful context. (Typically 24-48 hours / 2 business days)
After review, we send your Wealthspan Risk Number by email along with context around what the score may indicate for investment behavior, retirement income, and future decisions.
Approximately five minutes · No portfolio information required
The Wealthspan Risk Number is powered by Nitrogen, an industry risk assessment platform whose Risk Number® methodology is described by Nitrogen as a proprietary scaled index built on a Nobel Prize-winning framework.
The Risk Number® system translates complex risk metrics into a precise, understandable score used by financial professionals nationwide. Your results are private, secure, reviewed by our team, and delivered to you by email.
No portfolio information needed. No obligation to take any next step.
Five minutes from now, you can create a clearer reference point for decisions many investors leave vague.
No cost. No obligation.
Your assessment will be reviewed by our team, and your Wealthspan Risk Number is yours to keep, regardless of what comes next.
No pressure. No product discussion. Just a reviewed reference point before larger decisions are made.