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The Risk Analysis is a series of multiple choice questions. At the end of the questionaire an automatic analysis of your answers will generate a Risk Profile Score. Your score will determine the portfolio which is best suited for your individual needs. This score when matched to your Retirement Planner Score generated in step two, will provide a guideline to arrive at a suitable investment strategy. You cannot proceed to the Retirement Planner before completing the Risk Profile questions.

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Please advise me when additional investment services such as Health Savings Plans, 529 Education Plans, Social Security Plans, etc, are developed.

Multiple Choice Questions. For each of the questions below, please choose the most appropriate answer for your circumstances.

1. What is your age?

   	a)	65 or older
   	b)	55-64
   	c)	45-54
   	d)	35-44
   	e)	under 35

2. Over the next five years, do you expect your financial resources to:

   	a)	Decrease substantially?
   	b)	Decrease modestly?
   	c)	Stay about the same?
   	d)	Increase modestly?
   	e)	Increase substantially?

3. How many years do you have until you reach retirement?

   	a)	Less than 10 years
   	b)	10-15 years
   	c)	16-20 years
   	d)	More than 20 years

4. Approximately what percentage of your total investable assets, other than your home, will be represented by this account?

   	a)	More than 75%
   	b)	50-75%
   	c)	25-50%
   	d)	Less than 25%

5. Rate your experience with each of the following by selecting one of the following answers from the dropdown menus: (1) good; (2) fair; (3) poor; (4) n/a

   --Choose-- (1) Good (2) Fair (3) Poor (4) N/A		CDs, Treasury Bills, money market funds
   --Choose-- (1) Good (2) Fair (3) Poor (4) N/A		Domestic stocks or domestic stock mutual funds
   --Choose-- (1) Good (2) Fair (3) Poor (4) N/A		Government or corporate bonds or bond mutual funds
   --Choose-- (1) Good (2) Fair (3) Poor (4) N/A		International stocks or international stock mutual funds

   Note: Not scored in the overall tabulation because it does not address elements used to develop a recommended investment strategy. However, it may be used in reviewing your personal financial situation and risk tolerance.

6. Your investment objective summarizes the primary purpose of your account. It serves to define how assets should be allocated and managed. Ask yourself the following question: "What do I want most to accomplish with this account?" Then select the description below that best fits the purpose of your account.

   	a)	The most important thing is to preserve the value of my assets and minimize risk. I am willing to sacrifice return to reduce downward fluctuations in value.
   	b)	I want to generate current income and preserve my assets, though I am willing to accept a slight risk to the value of my assets for a short period. Preserving my capital is more important than growing the assets.
   	c)	I want a balanced approach. I would like to achieve some moderate return and am willing to accept a modest amount of volatility.
   	d)	I want growth in my asset value and am willing to accept a higher-than-average volatility of short-term results in exchange for the potential for a higher long-term return.
   	e)	I want to maximize the growth of my assets and am willing to accept significant downward fluctuations in value in exchange for the opportunity for higher returns. Current income is unimportant.

7. Real wealth may be achieved only by earning a return higher than the inflation rate.  What is your long-term return objective above inflation?

   	a)	1 - 2%
   	b)	2 - 3%
   	c)	3 - 4.5%
   	d)	4.5 - 6%
   	e)	More than 6%

8. Risk and return generally go hand in hand. The greater the return desired, the greater the risk/volatility the investor must accept. Taking greater risk, however does not guarantee higher return. How would you like to have your portfolio structured?

   	a)	Security of principal with minimal growth
   	b)	Minimal risk of principal with moderate growth
   	c)	Moderate risk of principal with growth potential
   	d)	Greater risk of principal with greater growth potential

9. Risk and return generally go hand in hand.  The greater the return desired, the greater the risk/volatility the investor must accept.  Taking greater risk, however does not guarantee higher return.  "A" below represents the most conservative, least volatile portfolio, while "E" represents the most aggressive, most volatile portfolio.  Which letter on the chart best depicts the way you would like to have your portfolio structured?

   a)  A b)  B c)  C d)  D e)  E