Risk Assessment Survey

1. How do you expect your employment income will change over the next several years?

I anticipate a steadily growing income.

I anticipate my income will trend downward.

I think my income will fluctuate considerably.

I expect my income to remain fairly level.

I have no earned income now; plan to retire soon; or believe my job is at risk.

Approximately what portion of your monthly take-home income goes toward paying off debt other than a mortgage?

Less than 10%

Between 10% and 25%

Between 25% and 50%

More than 50%

How important is a regular stream of investment income to you at this time?

Unimportant. My goal is to accumulate a nest egg over the long haul.

Somewhat important. I prefer a modest income from my portfolio even though I don't really need it. I simply feel more comfortable holding investments that generate cash.

Important. Investment income helps make ends meet, but I am not totally dependent on it.

Critical. Investment income provides the majority of my needs. I want investments that produce cash on a highly predictable basis.

If you had to choose between a very secure job with a small pay raise and a less secure job with a potential for a much higher increase in pay, which would you prefer?

Definitely more job security with a modest potential pay raise.

Probably more job security with a modest potential pay raise.

Probably less job security with a larger potential increase.

Definitely less job security with a larger potential increase.

How easily do you adapt when things go wrong financially?

I adapt very easily.

I adapt somewhat easily.

I sometimes have trouble adapting.

I usually have a great difficulty adapting.

Which of the following statements best describes your knowledge about investing?

Highly knowledgable. I have a very good understanding of how stock and bond markets work, and I spend considerable time keeping up with financial events.

Somewhat knowledgeable. I have a fair comprehension of investing, but I would like to know more than I do now.

Minimal knowledge. I don't understand very much about the financial world.

Indifferent. I don't find the subject very interesting, and I would rather focus my attention on other matters.

Which of the following statements best describes your investment experience?

Virtually none. I am new to investing.

Limited. I have tended to stick with guaranteed savings vehicles such as bank CDs.

Typical. I have invested in mutual funds for at least several years, but I rely heavily on a financial professional to guide me.

Extensive. I have quite few years of experience investing in mutual funds, individual stocks and/or real estate.

Sophisticated. I have invested in a wide variety of variable investment vehicles including stocks, bonds, real estate and businesses. I consider myself a do-it- yourself investor and have experience at least one market decline.

An investment's risk is often measured by its volatility, which is the degree to which its periodic returns fluctuate around an average. The table below shows five examples of how $100,000 invested in an account might increase or decrease in value after one year. With which investment would you be most comfortable?

	Worst Case	Best Case
Investment A	$99,000	$109,000
Investment B	$96,000	$118,000
Investment C	$90,000	$128,000
Investment D	$82,000	$140,000
Investment E	$67,000	$155,000

Consider the average rate of return that you expect to earn on your investment accounts over to the next ten years. Which of the following best describes your expectations?

I expect to earn slightly more than I would in guaranteed savings vehicles such as CDs.

I expect returns that are between those of guaranteed savings vehicles and the broad U.S. Stock market, but closer to returns offered by guaranteed savings vehicles.

I expect returns that are between those of guaranteed savings vehicles and the broad U.S. Stock market, but closer to the returns of the broad U.S. Stock market.

I expect returns that are roughly in line with those of the broad U.S. Stock market.

I expect to outperform the broad U.S. Stock market.

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