Risk Profile Review Schedule

Your personal comfort with investment risk is not something you assess once and never revisit. Just like your life, your financial goals, and the world around you, your relationship with risk can evolve over time. That is why at Optimize, we believe that revisiting your risk profile should be a regular and thoughtful part of your investing journey.

While there is no one-size-fits-all schedule for reassessing your risk profile, we encourage investors to approach it as an ongoing dialogue—built into your investment conversations, portfolio reviews, and life milestone planning.

When Should You Check In on Your Risk Comfort Zone?

As a rule of thumb, your risk profile should be revisited:

• During your annual portfolio review.
  Even if nothing in your life has changed, it is valuable to reflect on how you currently feel about market volatility, your financial progress, and your comfort level with your portfolio’s behavior.

• After major life changes.
  Retirement, career transitions, starting a family, receiving an inheritance, or other significant life events can all affect both your financial capacity for risk and your emotional tolerance for it.

• When your financial goals shift.
  If your investment time horizon changes, your income needs evolve, or your priorities adjust, it is important to check whether your portfolio’s level of risk still supports your updated goals.

• Following periods of significant market volatility.
  Experiencing major market events can alter how you feel about risk—sometimes making you more conservative, other times giving you more confidence in your plan. It is important to process those feelings thoughtfully, not reactively.

Why Waiting Too Long Can Create a Disconnect

If you never revisit your risk profile, you risk drifting into a misalignment between your investments and your current comfort with risk. This can quietly build up over time, creating a situation where your portfolio no longer feels right, potentially leading to impulsive decisions when markets test your patience.

By making risk profile conversations a regular part of your investing dialogue, you reduce the chance of being caught off-guard, and you maintain a stronger sense of control and alignment with your plan.

How Optimize Supports Ongoing Risk Profile Reviews

At Optimize, we make reassessing your risk profile part of our ongoing partnership with you. We build these conversations into your portfolio reviews, goal planning discussions, and check-ins, ensuring that your portfolio continues to fit your current life stage, needs, and emotional comfort with risk.

We also proactively create space for these conversations when we notice changes in the markets or broader economic conditions, helping you process how these shifts might be influencing your feelings toward risk.

By integrating risk profile reviews into your overall investment journey—not just treating them as one-time events—you gain more confidence that your portfolio is always working in service of your life, your comfort zone, and your financial goals.