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RISK TOLERANCE PROFILE
1. Risk Factor - Before you make a decision on any investment, you need to consider how you feel about the prospect of potential loss of principal. This is a basic principle of investing: the higher return you seek, the more risk you face. Based on your feelings about risk and potential returns, your goal is:
2. Investment Approach - Which of the following statements best describes your overall approach to investing as a means of achieving your goals?
3. Volatility - The value of most investments fluctuates from year to year as well as over the short term. How would you feel if an investment you had committed to for ten years lost 20% of its value during the first year?
4. Variation - Realizing that any market-based investments may move up or down in value over time, with which of the hypothetical portfolios below would you feel most comfortable?
Chester RiskQuestionnaire table.png

#1
#2
#3
#4
#5

5. Investment Experience - Please select the type of security with which you have had the most investment experience?
6. Time Horizon - An important consideration when making investment decisions is where you are in your financial life cycle and how long you have before you will need to start withdrawing the assets. Please indicate your portfolio’s appropriate time horizon. A multi-stage time horizon would indicate that you have several goals in the future that your investment portfolio needs to address.
7. Primary Goal - Please indicate approximately how many years from today until you reach your primary goal.
8. Secondary Goal - Some investors have a multi-stage time horizon with several goals for their portfolio. Please indicate approximately how many years from today until you reach your secondary goal?
9. Age - What is your current age?
10. Investment Earnings - Based on your current and estimated future income needs, what percentage of your investment earnings do you think you would be able to reinvest?
11. Investment Value - Your portfolio design relates to your investment experience, which helps to determine your current investment philosophy. What is the current value of your total investment portfolio?
12. Living Expense - Given interruptions of periodic income or other unforeseen circumstances, some individuals are forced to tap their investment resources to meet living expenses. In such an instance, how many months of living expenses could be covered by your current liquid investments?
13. Household Income - Total earnings, which includes earned and investment income, is a requirement when assessing your risk tolerance and determining allocation of assets. What is your total annual household income (including interest and tax deferred income)
14. Income Saving - The percentage of your total income that you currently save is approximately:
15. Future Earnings - In the next five years, you expect that your earned income will probably:

Section A:  Portfolio constraints 
**Please note that the constraints, restrictions and comments noted below are for planning purposes only.  Relevant restrictions and constraints must be specified on the completed Client Agreement(s) to be considered.

Liquidity constraints - Given your personal situation and with consultation with your investment advisor, how would you describe your liquidity requirements?
Will the investment earnings for this portfolio be needed to meet some or all of your expenses?
Do your anticipate the need to withdraw a significant portion of your portfolio’s value within the next ten years to meet a financial goal such as starting a business, purchasing real estate, college education funding or travel?
Tax constraints - Are there any important tax considerations or issues that should be taken into account when constructing this portfolio?
Legal and regulatory constraints - Are there any legal and regulatory concerns that would present an issue in the construction of the portfolio?
Unique circumstances - Are there are any unique circumstances that would present an issue in the construction of your portfolio?

To the best of my knowledge, the information contained in this investment policy questionnaire is both accurate and complete.  I understand that any recommendations are based upon the information supplied by me. 

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