Hourglass Risk Score

HourglassFP Risk Assessment ScoreBETA

How This Works

This tool calculates your quantitative risk score based on:

Income and expenses
Investment portfolio size
Retirement timeline and age
Income stability and saving rate
Emergency fund and upcoming large expenses
Debt-to-income ratio (monthly debt vs monthly income)
Planned retirement withdrawal rate
Expected return on investable assets ( see here to estimate )
Max acceptable portfolio drawdown

This is an asset-liability based risk capacity tool focused on financial certainty and the strength of your balance sheet relative to your income statement. It is an essential component that informs the HourglassFP Portfolio Builder algorithm.

NOTE: Portfolio value and expenses will auto-populate, but can be overridden.

STEP 3: Go to HourglassFP Portfolio Builder → HourglassFP Home Page →

Heads up: We’ve pre-filled Total Investable Portfolio, Annual Expenses, and Large Expected Expenses using your HourglassFP ALM data. You can adjust any of these before calculating your risk score.

Total Investable Portfolio ($): Annual After Tax Income ($): Annual Expenses ($): Years to Retirement (0 if retired): Current Age: Income Stability (1–5, 5 most stable): Annual Savings Rate (%):

Target Emergency Fund (months): Large Expected Expenses ($): Debt-to-Income Ratio (%): Planned Withdrawal Rate (%): Expected Return (%): Max Acceptable Equity Drawdown (%):