Totum Risk.

Facts over feelings. 

On average, annually everyone has a major life event that affects their overall investment risk objective. Do you know your client’s risk capacity over their risk preference?

 

Screen Shot 2018-10-19 at 10.09.24 AM

investment-risk

The future of risk analysis is personal.

Totum is the only FINRA compliant risk analysis tool capable of understanding employment history, family size, life goals, & health.

Multi-Scoring Process

  • Risk Capacity Score based on a clients life situation.  This score is where they should be.
  • Risk Preference Score is pschological and changes all the time.  This score is where they want to be today.
  • Portfolio Risk Score is where they are today.  Adjust the portfolio to get closer to the Risk Capacity score.

Compliant, Safe Advice

  • A Preference score alone will not hold up in arbitration.  Totum protects the advisor with multiple scoring.
  • The Advisor Insurance Policy. 60+ page quantitative risk models built by a team of Economic PhD's.
  • Automatic archiving of risk questionnaires and scores for your records and any audits.

Proposals for your Meetings

  • White label and custom reporting
  • Investment Policy Statements
  • Analytics, Stress test, historical return comparisons, Monte Carlo Simulation, and more.
  • Compare your models to your clients or prospects portfolio.

PARTNER INTEGRATIONS

AS SEEN IN

financial-planning-logo
fintech-news-logo
advisor-perspectives
wealth-management-logo
riabiz
jb

One of the most persistent challenges for advisors is to get an accurate gauge of a client’s risk tolerance. With a fresh approach to risk analysis, Totum is a promising new addition to the advisor tool kit.

Joel Bruckenstein, Technology Tools for Today

Huey, Patrick

My recent book confronted recency bias and risk homeostasis, dual impediments to proper long-term investing. Totum’s dynamic assessment tool is a natural conversation starter to uncover the short-term thinking that leads to unrealistic assumptions about risk.

Patrick Huey,CFP®, CAP®

Author, History Lessons for the Modern Investor
Owner, Victory Independent Planning, LLC