MRB Capital Group · Southeast Texas
Free Investment Risk Assessment
Understanding your personal risk tolerance is the foundation of every sound financial plan. Take this free assessment to discover how much market risk is right for you — and whether your current portfolio is aligned with it.
After you complete the assessment, Richard can review whether your current portfolio actually matches your personal Risk Number.
Most investors have no idea how much risk their portfolio is actually taking — until the market declines and they find out the hard way. The free Investment Risk Assessment from MRB Capital Group uses the same risk quantification technology trusted by thousands of financial advisors nationwide to assign you a personal Risk Number: a score from 1 to 99 that reflects your true risk tolerance based on your financial goals, time horizon, and comfort with potential losses.
The free investment risk assessment helps identify your personal Risk Number and compare it to the risk level of your current portfolio. The process takes approximately 3–5 minutes, does not require transferring accounts, and gives Southeast Texas investors a clearer starting point for reviewing investment risk, retirement readiness, diversification, and portfolio alignment.
Click the button below
Opens the secure Riskalyze assessment in a new tab
Answer 5–7 questions
About your goals, timeline, and comfort with market swings
Get your Risk Number
A score from 1–99 that defines your true risk tolerance
Take Your Free Risk Assessment
The assessment opens on Riskalyze's secure platform — the same risk quantification technology trusted by thousands of financial advisors nationwide.
Takes 3–5 minutes. No accounts transferred. No money moved. No obligation.
Start My Free Risk AssessmentOpens in a new tab on Riskalyze's secure platform
What Your Risk Number Reveals
Hidden portfolio risk
Most investors are taking far more risk than they realize — especially in target-date funds and "balanced" accounts.
Growth vs. safety balance
Too little risk means your portfolio may not generate the growth needed to sustain 20–30 years of retirement income.
Fee drag and inefficiencies
A full portfolio analysis can surface excessive fees, overlapping holdings, and allocation gaps that quietly erode returns.
Alignment with your goals
Your Risk Number becomes the benchmark — every investment decision is measured against it, not against a generic model.
What the Portfolio Analysis Answers
Once you complete the assessment, Richard can run a full portfolio review. Here is what it surfaces:
| Question You Have | What the Analysis Shows |
|---|---|
| Am I taking too much risk? | Compares your portfolio's actual risk level to your personal Risk Number tolerance |
| Are my fees too high? | Reviews expense ratios and cost drag across every holding — even inside 401(k)s |
| Am I diversified? | Identifies concentration risk and fund overlap that creates hidden single-stock exposure |
| Could I harvest tax losses? | Flags positions with unrealized losses that may offset gains and reduce your tax bill |
| Is my portfolio aligned with retirement? | Compares your current allocation to your income needs, timeline, and withdrawal strategy |
Compares your portfolio's actual risk level to your personal Risk Number tolerance
Reviews expense ratios and cost drag across every holding — even inside 401(k)s
Identifies concentration risk and fund overlap that creates hidden single-stock exposure
Flags positions with unrealized losses that may offset gains and reduce your tax bill
Compares your current allocation to your income needs, timeline, and withdrawal strategy
Related Resources
What Happens After Your Assessment?
Your Risk Number provides a clearer picture of how much market volatility you may be comfortable taking on based on your personal financial goals and risk tolerance.
A Risk Number alone is only half the picture. The more important question is whether your current portfolio matches it. Many investors discover a significant gap between their Risk Number and the actual risk embedded in their existing accounts — meaning they are either taking far more risk than they realize, or far less than they need to meet their retirement goals. Both misalignments have real consequences. Too much risk can lead to panic selling during market downturns, locking in losses at the worst possible time. Too little risk can leave a portfolio unable to generate the growth needed to sustain income through a 20- or 30-year retirement. Learn more about portfolio risk management for Southeast Texas investors.
After completing the assessment, you and Richard Placette can review your results together. The next step is to analyze your current investment portfolio. This can be done by either securely providing a recent account statement or linking your accounts through Plaid account aggregation.
Once your portfolio is entered into the software, a full portfolio analysis can be performed. The system evaluates your current holdings and helps identify important factors such as:
- Market risk exposure
- Portfolio alignment with your Risk Number
- Potential tax-loss harvesting opportunities
- Excessive fees or hidden costs
- Allocation inefficiencies
- Overall portfolio risk and efficiency
The software runs thousands of calculations quickly and provides a clear, easy-to-understand portfolio score so you can see how much risk you may currently be taking, what your investments may be costing you, and whether your portfolio aligns with your financial objectives.
From there, you and Richard can discuss the results and review potential strategies based on your goals, comfort level, and current portfolio structure. If you are approaching retirement, this analysis pairs directly with a full retirement income plan to ensure your portfolio is positioned to generate sustainable income.
Services Available in This Area
Serving Communities Across Southeast Texas
Looking for a Financial Advisor Near You in Southeast Texas?
If you are searching for a financial advisor near Beaumont, Lumberton, Port Arthur, Orange, Nederland, Vidor, Silsbee, Jasper, or the surrounding Southeast Texas area, Richard Placette II with MRB Capital Group provides retirement planning, investment management, 401(k) rollover guidance, Social Security planning, and portfolio risk analysis for individuals, families, retirees, plant workers, and business owners. Whether you are preparing for retirement, reviewing an old 401(k), evaluating investment risk, or looking for a second opinion on your current portfolio, the first step can be a simple 3–5 minute Risk Assessment designed to help identify your personal Risk Number.