Made for Financial Planners
Set a Couple’s Shared Investment Risk Rules
Also useful for: people in Finance
75 min
Advanced
Couples
Have a Money Conversation
Comparing Financial Options
Convert each partner's loss concerns into portfolio tradeoffs, decision rules, and a written risk agreement built for real market stress.
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Use this when
A couple gives conflicting answers about investment risk, reacts differently to potential losses, or keeps revisiting the same portfolio decision without reaching agreement.
You'll need
- Portfolio snapshot
- Partner A loss response
- Partner B loss response
- Goals and time horizons
- Financial constraints
- Risk assessment results
- Stress cases
- Portfolio options
- Main disagreement
- Meeting context
You'll get
- Each partner's risk capacity, tolerance, perception, required risk, and likely stress behavior distinguished
- Vague loss concerns converted into measurable boundaries
- At least two portfolio approaches tested against the same loss cases
- Tradeoffs and concessions for each approach documented
- A shared risk range and decision rule recorded
- Downturn actions, prohibited reactions, and approval rules specified
By the end of this playbook
You will have:
- Each partner's risk capacity, tolerance, perception, required risk, and likely stress behavior distinguished
- Vague loss concerns converted into measurable boundaries
- At least two portfolio approaches tested against the same loss cases
- Tradeoffs and concessions for each approach documented
- A shared risk range and decision rule recorded
- Downturn actions, prohibited reactions, and approval rules specified
Sample
This is sample data, not your prompt. Pro unlocks this higher-stakes Playbook. On Free Playbooks you can still copy the assembled prompt into any AI.
Sample input
Portfolio: $820,000 with 68% stocks, 24% bonds, and 8% cash. An employer stock position represents 18% of the full portfolio. A $60,000 home project is expected in 18 months. Partner A: Uncomfortable at a 10% decline and likely to request selling at 15%. Previously asked to move half the portfolio to cash during a sharp decline. Partner B: Comfortable holding through a 20% decline and focused on long-term retirement growth. Goals: Retirement in 12 years, college support in 6 years, and the home project in 18 months. Options: 50%, 60%, or 68% stocks, with a separate decision about reducing employer stock. Stress cases: 10%, 20%, and 30% portfolio losses, plus a 12-month interruption in commission income.
Sample assembled prompt
Risk conclusion: The central gap is... Partner A's stated 10% comfort limit... Partner B's higher tolerance doesn't remove... Viable decision structure: Protect the $60,000... Exclude the current 68% stock approach... Illustrative boundary: No allocation change based... Contact the planner when a supplied... Any strategic allocation change requires both... Open question: Whether reducing or delaying...