Click the Begin Your Discovery button to view a short, six-minute presentation on the Financial Planning Process.
If you are familiar with the Financial Planning Process, simply click on the tabs at the top of your screen.
We take your privacy seriously at AXA Advisors. AXA Advisors is committed to keeping all information we have about you confidential and secure. To see how we protect your privacy, click here.
If you have any questions about the differences between my role as an investment advisor and as a registered representative, please contact AXA Advisors Broker/Dealer Services at 1-866-AXA-4545, Monday – Friday, 8:30am – 5:00pm ET.
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If you're not sure, check with your
tax advisor or find your bracket on
your most recent tax return1.
1. AXA Advisors does not provide legal, accounting or tax advice.
2. AXA Advisors does not provide legal, accounting or tax advice. You should consult your own legal, accounting or tax professional for such advice. Only investment advisory representatives may offer and provide financial planning services.
Which of the following best describes your investing habits?
To provide more detail about your risk tolerance, be sure to complete our Risk Questionnaire.
This survey is not a fact finder; rather it is a tool for us to learn more about your personal and financial goals and objectives. It is not meant as an opportunity to gather the detailed information that would be necessary for us to determine your suitability for the purchase of an investment product; it is merely an introductory exploration into the ways in which we might be able to work together. If you choose to explore further the ways in which we can assist you with your financial goals, we will ask you for more detailed financial and personal information. We will also provide you with detailed information about how we do business, which may include the AXA Advisors Guide to Mutual Fund Investing and Form ADV Part II.
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Different investors have different risk tolerances. Much of the difference stems from time horizon. That is, someone with a short investment time horizon is less able to withstand losses. The remainder of the difference is attributable to the individual's appetite for risk.
Volatility can be nerve-wracking for many people, and they are more comfortable when they can avoid it. However, there is a definite relationship between risk and return. Investors need to recognize this risk/return trade-off.
The following risk tolerance questionnaire is designed to measure an individual's ability (time horizon) and willingness (risk aversion) to accept uncertainties in their investment's performance.
Please answer the following questions to help your advisor establish your current risk profile. Once it's completed, your advisor can use the outcome to recommend which of the available asset allocation models is most appropriate for you.
When do you expect to begin withdrawing money from your investment account?
Once you begin withdrawing money from your investment account, how long do you expect the withdrawals to last?
Which of these choices best reflects your attitude toward inflation and risk?
The table to the right presents a potential best case result, probable result and potential worst case result of five sample portfolios over a one-year period with an initial $10,000 investment. Understanding the potential upsides and downsides of each portfolio, which portfolio would you prefer to hold?
Investing involves a trade-off between risk and return. Which statement best describes your investment goals?
Historically, markets have experienced downturns, both short-term and prolonged, followed by market recoveries. Suppose you owned a well-diversified portfolio that fell by 20 over a short period, consistent with the overall market.
Assuming you still have 10 years until you begin withdrawals, how would you react?
The graph to the right shows the hypothetical best and worst results of five sample portfolios over a one-year holding period. Note that the portfolio with the highest upside also has the largest downside. Which of these portfolios would you prefer to hold?
Now that you've experienced the discovery portion of our financial planning process, do you know other people, friends, business associates, or family members who would benefit from this type of service? If so, click here to go to the Tell a Friend Form to send an e-mail to those people and let them know what you thought of the process and how they might benefit.
As always, your trust and input in letting people know about my service and approach are greatly appreciated.
If we haven't already made arrangements to meet and discuss your situation and begin the Discovery Process, please click here and go to the Appointment Sign-Up form to request a meeting date and time. I look forward to beginning a long and trusting professional relationship with you as my client and friend. Thanks.
Because you have a Time Horizon score of zero even the most conservative
portfolio may not be an appropriate investment option. Please speak to
your financial professional.
The Conservative investor is generally very sensitive to short-term losses. The Conservative investor's aversion to short-term losses could compel them to sell their investment and hold a zero risk investment if losses occur. The Conservative investor would accept lower long-term returns in exchange for smaller and less frequent changes in portfolio value.
Not all investment products offer all risk profiles.
To learn more about your Risk Profile and to discuss the Asset Allocation
model best suited to help you reach your long-term goals, please contact
They can provide an example of an appropriate investment allocation for someone who feels as
you do about risk.
The Conservative-Plus investor is generally sensitive to short-term losses. The Conservative-Plus investor's aversion to losses could compel them to shift into a more stable investment if significant short-term losses occur. The Conservative-Plus investor is usually willing to accept somewhat lower returns in order to assure greater safety of his or her investment.
The Moderate investor is somewhat concerned with short-term losses and may shift to a more stable option in the event of significant losses. The safety of investment and return are typically of equal importance to the Moderate investor.
The Moderate-Plus investor is generally willing to accept high risk and chance of loss in order to achieve higher returns on his or her investment. Significant losses over an extended period may prompt the Moderate-Plus investor to shift to a less risky investment.
The Aggressive investor generally aims to maximize long-term expected returns rather than to minimize possible short-term losses. An Aggressive investor values high returns and can tolerate both large and frequent fluctuations in portfolio value in exchange for a higher return over the long run.
Variable Products are issued by AXA Equitable Life Insurance Company (AXA Equitable), New York, NY and MONY Life Insurance Company of America (MONY America), an Arizona stock corporation with its main administrative office in Jersey City, NJ. Co-distributed by AXA Advisors, LLC and AXA Distributors, LLC. AXA Equitable, MONY America, AXA Advisors and AXA Distributors are affiliated companies and do not provide tax or legal advice. All guarantees are based solely on the claims-paying ability of the issuing life insurance company.
“AXA” is the brand name of AXA Equitable Financial Services, LLC and its family of companies, including AXA Equitable Life Insurance Company (NY, NY), MONY Life Insurance Company of America (AZ stock company, administrative office: Jersey City, NJ), AXA Advisors, LLC, AXA Distributors, LLC and AXA Network, LLC. AXA Network Insurance Agency of California, LLC in CA; AXA Network Insurance Agency of Utah, LLC in UT; AXA Network of Puerto Rico, Inc. in PR. AXA S.A. is a French holding company for a group of international insurance and financial services companies, including AXA Equitable Financial Services, LLC. This brand name change does not change the legal name of any AXA Equitable Financial Services, LLC companies. The obligations of AXA Equitable Life Insurance Company and MONY Life Insurance Company of America are backed solely by their own claims-paying ability.
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