What is it
Making sure your investments match your age, goals, and comfort with risk.
How it works
The advisor checks where your money is now: which funds, stocks, bonds, cash, etc.
They ask how you feel about risk (big swings vs. steady).
They build or adjust a mix of investments that fits you—often more growth-focused if you’re younger, more balanced/protective if you’re retired.
They rebalance over time (moving money back to the target mix).
Simple Example
You’re 65, about to retire, and most of your 401(k) is in aggressive stock funds.
The advisor may shift you to something like:
50% stock funds (for growth)
40% bonds (for stability)
10% cash or cash-like investments (for near-term income)
So a big market drop doesn’t hit 100% of your money.
Important Disclosure: Descriptions of services on this page are general in nature and are provided for informational and educational purposes only. Actual services are provided solely by independent third-party advisors who participate in the Retirement Readiness Quiz (RRQ) program. RRQ is not a registered investment adviser, broker-dealer, tax professional, or law firm, and does not supervise, control, or guarantee the advice or services of any advisor. Nothing here should be considered personalized investment, tax, or legal advice, or a guarantee of future results. Before implementing any strategy, you should review the advisor’s regulatory filings (such as Form ADV), written disclosures, and engagement agreements, and consult with your own qualified professionals as needed.
