10 Financial Planning Risks You Should Know

What client behavior risks do you address when building and managing a financial plan for your clients? Do you limit your risk analysis to investment risks? Or do you address a broader range of investment risks?

Financial Planning Risk Management

When people talk about risk in the financial planning process they are usually thinking about the investment risks on a singular and situational basis. However, the problem is that they are not thinking about all of the other financial decision-making and relationship risks that can equally, or sometimes to a greater degree, influence the financial planning outcome. Financial planning at a holistic level is more than being solely about investment management and investment products.

addressing client financial personality

Since 1999, we have advocated the development of holistic financial planning that can assist clients to achieve their life and financial goals. We believe that this broader viewpoint embraces far more than just investment risk and moves the paradigm to financial personality. It also necessitates the objective and reliable measurement of how personal financial clients will behave on a long term basis and points very clearly towards educating them on how their behaviors will impact on their financial wellbeing and relationships.

In order to assist advisors interpret and manage a clients investment, financial and relationship behaviors across 10 key behavioral dimensions we are pleased to announce the launch of a new 1 page Financial Talent DNA Report. Following considerable research and feedback we have simplified the client reporting to be more investment, financial and relationship risk focused than our traditional Wealth Mentoring reports, which are also still available. A sample of this new 1 page report is shown below.
Financial Planning Risk, Risk Tolerance, Financial Risk Factors

In addition, through our Financial DNA Summary Report which accompanies this report we provide more information for assisting advisors to interpret and facilitate the client through financial planning discovery. In this report, we provide insights on the clients Investment Portfolio Parameters based on their natural level of emotional comfort in taking investment risk. This information can be easily linked to the advisors investment allocation model.

Investment Portfolio Parameters
We believe for our current users of Financial DNA that our new reporting structure will help provide a more valuable client experience and also enable more robust discussions with your clients. For advisors considering using Financial DNA our desire is that you now have a compelling behavioral discovery solution which is Platinum Standard in terms of a highly reliable psychometric construct and simple advisor-client experience.
  1. The questionnaire models only allowed for uncovering situational investment risk propensity and not investment risk tolerance, financial risk behaviors and relationship risk behaviors;
  2. The situational nature of the questionnaire format inherently leading to the data not being reliable for long term portfolio development;
  3. Even if the results were consistent over time they would nevertheless be skewed to the high side because of the scientifically proven human tendency for the participant to self-promote by scoring themselves higher than what they are in reality.
Our decision was to utilize a Forced Choice Assessment Model because it has been academically proven through independent research to be a far more accurate and reliable predictor of behavior than the Traditional Assessment Models that ask the participant to rate statements from 1 to 5 or True/False.
Research has now shown that the traditional questionnaire format may lead to the over inflation of scores by one standard deviation, which is statistically very significant. This exposes a very material risk for advisors who over rely on an instrument that uses a traditional questionnaire format and then do not conduct a proper behavioral interview with the client.
To learn more about Financial DNA and the next generation of behavioral discovery capturing all dimensions of financial personality using a highly validated and reliable psychometric model, please visit the Financial DNA website.
If you would like more information or to undertake a trial please email us at inquiries@dnabehavior.com.
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