Risk Analysis & “Risk Number” Assessment

Know Your Risk Before You Invest

At JS Replogle & Associates, LLC, we believe investment advice should match more than your account balance—it should reflect your comfort level, personality, and financial goals. Our investment risk analysis helps identify how much risk you’re truly comfortable taking and whether your current portfolio aligns with that number. Because successful investing starts with knowing yourself.

What Is a Risk Number?

Forget vague terms like “moderate” or “aggressive.” Using Nitrogen (formerly Riskalyze), we calculate a personal Risk Number between 1 and 99 that quantifies your risk tolerance based on your preferences and reactions to real-world investing scenarios. It’s a smarter, science-based way to personalize your investment strategy—and it's one of the first steps in our process.

Take the 5-Minute Risk Questionnaire

Our risk tolerance questionnaire is quick, intuitive, and revealing. You’ll answer a few questions about your portfolio size, timeline, goals, and how you’d respond to market ups and downs. It takes just a few minutes—but the clarity it offers can last a lifetime.


You can take the assessment on your own, or we’ll walk through it together during a consultation.

Matching Your Portfolio to Your Comfort Zone

Once your Risk Number is defined, we run a portfolio risk evaluation to see how well your current investments align with your comfort zone. If there’s a mismatch—whether you’re taking on too much risk or not enough—we’ll show you exactly where and how to adjust. We also simulate how your portfolio might perform in different market conditions, so you know what to expect in both calm and volatile times.

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Your Retirement Map, Backed by Data

Your Risk Number also helps build a Retirement Map—a forward-looking projection of how your investments might support your retirement goals. We use your unique risk tolerance and desired retirement lifestyle to chart your progress and assess whether your plan is on track. If not, we’ll work with you to make changes that increase your chances of long-term success.

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Why Risk Alignment Matters

When your investments match your risk comfort, you’re less likely to make emotional decisions that hurt your long-term performance. You’re more likely to stay invested, stay confident, and stick with your plan. That’s why we take risk tolerance seriously—it’s not just about numbers, it’s about peace of mind.

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Try It Yourself

Curious about how much investment risk is right for you? Take our quick Risk Questionnaire to get your personal Risk Number.


You can complete the assessment on your own, or contact us to schedule a meeting and go through the process with guidance from our team.

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Integrated into Every Service

This isn’t a one-off quiz—it’s part of how we work. We use your Risk Number in every financial decision we help you make, from investment selection to retirement income planning. It ensures your plan is as unique as you are, and built to stand the test of time.

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Let’s Align Your Risk with Your Goals

Don’t leave your investment strategy to guesswork.
Contact us for a complimentary risk tolerance assessment and portfolio review. Let’s make sure your investments fit you—not the other way around.

Risk Analysis & “Risk Number” Assessment – FAQ

  • What happens if my spouse and I have different Risk Numbers?

    We see this often. We’ll work with you to build a blended investment strategy that reflects both of your comfort levels, or establish individual portfolios as needed.

  • Can my Risk Number change over time?

    Yes. Major life events, economic changes, or a shift in your financial goals can impact your risk tolerance. That’s why we encourage retesting periodically.

  • Is the Risk Number just for new investors?

    Not at all. Even experienced investors benefit from understanding whether their portfolios align with their evolving tolerance for risk and market volatility.

  • Does the Risk Number consider my retirement timeline?

    Yes. The questionnaire factors in time horizon and goal-based planning, so results reflect both your emotional and practical risk profile.

  • Will you adjust my portfolio based on the Risk Number alone?

    No. While the Risk Number is a helpful starting point, we combine it with your broader financial plan to design an investment strategy that truly fits.