Welcome

Two short workflows.
One better conversation.

Pick whichever feels more useful right now — or do both. Together they give us almost everything we need to start planning together.

Both save your answers locally as you go and let you pick up where you left off. Nothing leaves your browser unless you choose to send it.

Risk Profile

~6 minutes

Skip the “conservative or aggressive” question. We’ll show you how five different portfolios have actually behaved — the good years and the brutal ones — and you tell us what you would have done.

You’ll see

Real index returns from 2000 to today
The 2008 fire-the-advisor scenario
Your recommended mix at the end

A clean monthly cashflow worksheet. Type in what you can — or download the template, fill it in your spreadsheet of choice, and upload it back. Live totals, planning targets, your remaining cash at a glance.

You’ll see

How your budget compares to planning targets
Live totals and remaining cash as you type
Download / upload as a CSV if you prefer

Note for Shaun The picker is the entry point clients see. Both workflows live under the same domain, share styling, and propagate any URL params (like ?annotations=1) through to whichever tool the client picks. Easy to add a third tile here later — estate-planning intake, beneficiary review, retirement readiness, etc. — without touching either of the existing flows.

The cards link to /risk/ and /budget/; we keep the URL pattern predictable so you can hand a client a single link or a deep-link to either tool.
The IP watermark + corner badge + footer notice are present on every page in the workspace.
If you want clients to skip the picker entirely, send them balance-wealth.htp-3.com/budget/ or /risk/ directly.

Two short workflows.One better conversation.

Risk Profile

Monthly Budget

Two short workflows.
One better conversation.