Risk Profiling

Ensuring investment suitability remains at the heart of the value you bring to your clients. Helping clients understand the risk they are willing and able to take, then accurately translating this into an asset allocation-based investment strategy and portfolio that remain suitable over time is becoming increasingly challenging. Plus, suitability remains a key focus for the FCA and suitability requirements have increased recently with Europe’s MiFID II regulation.

Accurate risk profiling helps build longer, deeper relationships with your clients, enabling them to recognise the value that you and your firm bring, and trusting you to advise on more of the things that matter to them. Accurate risk profiling results in a greater likelihood that clients will not only meet their long-term financial goals but that in a market downturn they will be comfortable with any short-term falls in value.

Good risk profiling helps assure compliance with FCA regulation and avoidance of regulatory sanction or client redress. At the same time, the independent, robust asset allocations created for each risk profile can help you deliver good, risk-adjusted returns to your clients.

No other risk profiling service can compare with our market leading experience. Our highly qualified in-house team have many years of financial planning, actuarial and investment management expertise. We work with leading academics from the International Capital Market Association Centre at the Henley Business School to incorporate latest developments in research and psychometric thinking. The Dynamic Planner Investment Committee reviews allocations and model assumptions quarterly and includes independent experts from academia and industry.

The Dynamic Planner proprietary asset allocation model has a proven track record of delivering against risk profiles. The target allocations are designed to optimise risk-adjusted returns for each profile and deliver within a range of expected returns and losses. A quarterly review of allocations and risk-return assumptions are then overseen by the Investment Committee and a range of apps help complete the risk profiling process efficiently and productively.