Important Disclosures
Please read these important disclosures regarding your Garden of Wealth assessment
About This Assessment
The Garden of Wealth Risk Analysis is an educational tool designed to help you understand your investment risk tolerance and provide general guidance on asset allocation. This assessment is based on your responses to a series of questions about your financial situation, goals, and risk preferences.
Important Limitations
- This tool provides general guidance only and should not be considered personalized investment advice
- Your actual investment strategy should be developed in consultation with a qualified financial advisor
- Past performance does not guarantee future results
- All investments carry risk, including potential loss of principal
- The assessment results are based on the information you provide and may not reflect all aspects of your financial situation
Garden Asset Categories Explained
🌱 Roots (Conservative Assets)
These assets are designed to provide principal protection and conservative returns. Examples include government bonds, CDs, fixed annuities, and money market accounts. While these investments offer stability, they may not keep pace with inflation over time.
🌼 Blooms (Managed Assets)
These assets are professionally managed and can be tailored to specific investment objectives. They offer potential for growth while maintaining some level of professional oversight. Examples include managed mutual funds, target-date funds, and balanced portfolios.
🌞 Sun Exposure (Growth Assets)
These assets carry higher risk but offer potential for significant growth. They are subject to market volatility and potential loss of principal. Examples include individual stocks, growth mutual funds, REITs, and variable annuities.
Risk Considerations
Investment Risks
- Market Risk: The value of investments may fluctuate due to market conditions
- Inflation Risk: Conservative investments may not keep pace with rising costs
- Liquidity Risk: Some investments may be difficult to sell quickly
- Credit Risk: Bond issuers may default on their obligations
- Interest Rate Risk: Bond values may decline when interest rates rise
Regulatory Information
This assessment tool is provided for educational purposes only. It does not constitute investment advice, nor is it an offer to sell or a solicitation to buy any security or investment product.
Securities offered through: This platform does not offer securities directly. Any investment recommendations should be implemented through a licensed financial advisor or registered investment advisor.
Data Privacy and Security
Your privacy is important to us. The information you provide in this assessment is used solely to generate your risk profile and recommendations. We employ industry-standard security measures to protect your data.
- Your personal information is encrypted and stored securely
- We do not sell or share your information with third parties without your consent
- You may request deletion of your data at any time
- Access to your assessment results is restricted to you and your designated financial advisor
Limitations of Technology
While our assessment algorithm is based on established financial planning principles, it cannot account for all personal circumstances that may affect your investment decisions. Factors such as:
- Tax considerations and strategies
- Estate planning objectives
- Specific insurance needs
- Complex family financial situations
- Business ownership interests
- Unique liquidity requirements
These factors require personalized analysis by a qualified financial professional.
Updating Your Assessment
Your risk tolerance and financial situation may change over time. We recommend taking a new assessment periodically or when you experience significant life changes such as:
- Changes in income or employment
- Marriage, divorce, or death of a spouse
- Birth or adoption of children
- Inheritance or significant financial windfall
- Approaching retirement
- Major health events
Next Steps
Consider discussing your assessment results with a qualified financial advisor who can help you develop a comprehensive financial plan tailored to your specific needs and circumstances. A professional can help you implement appropriate investment strategies and monitor your progress toward your financial goals.
Contact Information
If you have questions about this assessment or need assistance with your results, please contact your financial advisor. For technical support or questions about the platform, you may reach out to our support team.
Effective Date: July 23, 2025
Version: 1.0
Last Updated: July 23, 2025