Nobel Prize-Winning Science • Powered by Nitrogen

What is your Risk Number?

Stop guessing with vague labels like "moderate" or "aggressive." We use a quantitative approach to pinpoint your exact 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.

1–20
Conservative
Capital preservation focus. Minimal downside tolerance.
21–40
Moderate Conservative
Income-oriented. Willing to accept modest fluctuation.
41–60
Moderate
Balanced approach. Growth with managed risk.
61–80
Moderate Aggressive
Growth-focused. Comfortable with market swings.
81–99
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

95% Probability. Zero Guesswork.

We calculate a "95% Probability Range" for your portfolio. This means that 95% of the time, your portfolio performance should fall within this specific dollar range over six months.

Risk alignment, asset classification, and a GPA score — all in one dashboard. If your actual results fall outside this range, it's a statistical anomaly, not a planning failure.

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 · CFA Charterholder-Driven

Three numbers. One aligned portfolio.

Most 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.

01
Risk You Want
How much downside can you emotionally handle? Through a series of objective dollar-amount exercises, we pinpoint your exact comfort zone — no subjective labels.
02
Risk You Have
What's the actual risk in your current portfolio? We analyze every holding and calculate the precise risk score of what you own today — often revealing misalignment.
03
Risk You Need
How much risk is required to reach your goals? We calculate the minimum risk level needed to achieve your retirement, education, or legacy objectives on your timeline.
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 every major market crisis 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.
Get Started

Know your number. Invest with confidence.

Take the free 5-minute assessment. No sensitive data required. 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