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What is your Risk Number?

Stop guessing with vague labels like "moderate" or "aggressive." We use a quantitative approach to pinpoint your risk tolerance: a number between 1 and 99 that aligns your portfolio with your true comfort zone.

Your
01
Risk Number
1 Conservative
50
99 Aggressive
Understanding the Scale

From capital preservation to aggressive growth.

Your Risk Number replaces subjective labels with a precise, quantitative measurement. Here's what the scale means, and where your comfort zone might fall.

1 to 20

Conservative

Capital preservation focus. Minimal downside tolerance.
21 to 40

Moderate Conservative

Income-oriented. Willing to accept modest fluctuation.
41 to 60

Moderate

Balanced approach. Growth with managed risk.
61 to 80

Moderate Aggressive

Growth-focused. Comfortable with market swings.
81 to 99

Aggressive

Aggressive growth. High tolerance for volatility.
The Problem

"Moderate" isn't a number.

Old-school questionnaires ask how you feel. We measure how you act. See the difference between subjective guessing and objective measurement.

The Old Way

"How would you feel if the market dropped?"
Subjective. Emotional. Based on your mood that day. Leads to misaligned portfolios that panic when volatility hits.

The Ashwood Way

45
Risk No.
Risk Profile
Moderate · Balanced Growth
1 Conservative
99 Aggressive
-$18,400
Downside Risk
+$31,200
Upside Potential
95%
Confidence
6 mo.
Time Horizon
1.7:1
Reward / Risk
Hypothetical example. Your numbers are personalized to your portfolio.
The Math

A 95% probability range. Measured, not assumed.

We calculate a 95% probability range for your portfolio: the dollar range within which its six-month result has historically fallen 95% of the time, based on the holdings you own today.

Risk alignment, asset classification, and a GPA score, all in one dashboard. Actual results can fall outside this range; all investing involves risk, and no projection is guaranteed.

Nitrogen portfolio dashboard showing 95% historical range, risk alignment, and asset classification, sample client view
Sample Nitrogen dashboard. Your personalized report will look like this. Hypothetical data for illustration.
The Ashwood Framework

Three numbers. One aligned portfolio.

Many advisors ask vague questions and assign a generic label. We use quantitative technology to answer three precise questions, and the answers drive every investment decision we make on your behalf.

Two CFA Charterholders on our team translate these three numbers into portfolio construction. Chris Milligan, who also holds the CFP® certification, connects them to the wider financial plan, because the risk you need depends on the goals you are funding. Meet the Team

CFP Board owns the certification mark CFP® in the U.S.

Risk You Want

How much downside can you emotionally handle? Through a series of objective dollar-amount exercises, we pinpoint your comfort zone, with no subjective labels.

Risk You Have

What's the actual risk in your current portfolio? We analyze every holding and calculate the risk score of what you own today, often revealing misalignment.

Risk You Need

How much risk is required to reach your goals? We calculate the minimum risk level needed to pursue your retirement, education, or legacy objectives on your timeline. See Wealth Management
Stress-Tested

Will your portfolio survive the next 2008?

We don't hope for the best. Before investing a single dollar, we run your portfolio through major market crises in modern history and compare your projected losses against the S&P 500.

The result? We stress test a range of possible outcomes across various market conditions, helping you understand your downside risk and upside potential before you experience them.

Nitrogen portfolio stress test showing six historical market scenarios including 2008 crisis, 2020 pandemic, and 2013 bull market with portfolio vs benchmark comparison
Sample stress test report. Your personalized analysis compares your portfolio against benchmarks across six historical events. Hypothetical data for illustration; past performance does not guarantee future results.
Get Started

Know your number. Invest with confidence.

Take the free 5-minute assessment. Just honest answers about your financial goals.

Ashwood Financial Partners · Richmond, Virginia
CFA Charterholder
AIF® Designee
Fiduciary
Independent
Tax-Aware Planning
CommunityVotes Richmond 2025 Platinum Winner

CommunityVotes Richmond 2025 Platinum Winner. Award based on community voting; not indicative of future performance or an endorsement by any regulatory body. CommunityVotes is not affiliated with Ashwood Financial Partners or Kestra Investment Services.