Your risk profile
Willingness, capacity, time horizon, and objectives.
MRA Advisory Group
How much risk is really in your portfolio?
The amount of risk you think you are taking and the amount you actually own may be very different.
No obligation. Educational assessment. Immediate results.The MRA Risk Gap™
The risk you want versus the risk you own.
Your financial goals, time horizon, income needs, liquidity, taxes, other assets, and retirement date can all affect appropriate investment risk.
Portfolio risk
Asset mix, concentration, credit exposure, liquidity, and more.
Potential alignment
An educational comparison, based on the information provided.
Investment Risk Review
Start with your investor profile.
This considers both how you feel about investment volatility and your financial ability to absorb it.
Profile question 1 of 12
Hypothetical reactions can differ from behavior during stressful markets. Selected loss amounts do not limit actual losses.
Portfolio drift
Your portfolio may have changed without you changing anything.
An investor who began at 60% stocks and 40% bonds could find that years of equity appreciation changed the mix to 75% stocks and 25% bonds. Concentrated stock appreciation, employer stock, overlapping funds, and a changing retirement date can create similar shifts.
Rebalancing is a process for reviewing whether the portfolio still reflects an intended strategy. It does not guarantee a profit or protect against loss.
Principles before predictions
Take the right risks for the right reasons.
There is no strategy that simultaneously offers maximum return, minimum risk, complete liquidity, and guaranteed principal. Investment choices involve trade-offs.
- Define your goals and time horizon.
- Know your willingness and ability to accept risk.
- Diversify and allocate assets intentionally.
- Control investment costs and consider taxes.
- Rebalance periodically, not emotionally.
- Maintain appropriate liquidity.
- Avoid performance chasing and headline-driven decisions.
- Review the portfolio as your life changes.
The connected decision
Portfolio management is about more than picking investments.
Professional advice may help an investor connect risk assessment, asset allocation, diversification, tax awareness, portfolio monitoring, and life changes. It may also help investors maintain perspective during volatile periods. It does not guarantee better returns or eliminate investment risk.
Vanguard’s December 2025 research describes portfolio, financial planning, emotional, and time value as potential sources of advice value. In its survey of 13,404 investors, peace of mind was the most frequently cited reason investors sought advice.
Read Vanguard’s researchVanguard is not affiliated with MRA Advisory Group. Reference to Vanguard research is educational only and does not constitute an endorsement of MRA or its services.How MRA does it
An investment process connected to the full plan.
MRA’s Investment Committee uses a repeatable, risk-based process to keep portfolio decisions connected to your goals, taxes, timeline, liquidity needs, and the rest of your financial life.
Explore MRA investing →- Understand the whole picture.Clarify goals, retirement timing, risk capacity, tax considerations, income needs, and the role each account needs to play.
- Build around risk and purpose.Use risk-based portfolio construction, diversified exposures, and values-aligned options when they fit the client’s objectives.
- Implement thoughtfully.Consider asset allocation, investment selection, costs, account structure, and the practical trade-offs involved in a change.
- Monitor and adapt.Review portfolio drift, life changes, market conditions, and the wider plan so the investment strategy can remain intentional over time.
MRA Advisory Group
Risk should start with your financial plan.
Financial goals → required return → risk capacity → risk tolerance → asset allocation → investment selection → tax strategy → portfolio monitoring → rebalancing.
Schedule an investment risk review →Important disclosure
This material and the MRA Investment Risk Review are provided solely for educational and informational purposes. They are not individualized investment, financial, tax, or legal advice and are not a recommendation to buy, sell, or hold any security or strategy. The assessment uses information supplied by the participant and may not capture every factor relevant to risk tolerance, risk capacity, financial circumstances, objectives, or a portfolio. Scores and classifications are educational indicators only, not suitability determinations. Investing involves risk, including possible loss of principal. Diversification and asset allocation do not ensure a profit or guarantee against loss. Past performance does not guarantee future results. MRA Advisory Group does not provide legal or tax advice. Final campaign materials, methodology, and advertising require compliance approval before publication.