Across advising hundreds of real Australians over his career, Frank tried just about every risk profile questionnaire on the market. Each one purports clarity. Each one delivered the same six problems - to him, to his peers, and most importantly, to their clients.
The problems that wouldn't go away
Jargon clients don't speak
Questions assume a level of financial literacy most Australians simply don't have. Clients guess, nod along, or pick whatever sounds least embarrassing.
Subjective, slippery wording
'Comfortable', 'moderate', 'aggressive' - these words mean wildly different things to different people, yet they decide where a lifetime of super gets invested.
Forced-choice answers
Four-to-six pre-written options never quite match what the client would actually say. The answer that's closest gets ticked - and the nuance is gone.
Blind to vulnerability & trauma
Past financial trauma, divorce, gambling exposure, carer load - invisible to a multiple choice questionnaire, but central to how someone actually behaves under risk.
Not built for our super system
Most risk profile questionnaires aren't designed around Australian superannuation at all - and the few that are tend to be overly simplified and unsuitable for the real intricacies clients and advisers face.
No reasoning. No audit trail.
A single number falls out the bottom with no explanation of how. At the next compliance review, 'the questionnaire said so' is the adviser standing alone.
"Inappropriate risk profiling isn't just awkward. It's genuinely dangerous - for the client's financial wellbeing, and for the adviser holding the file."
Frank Filler
The answer
Risk Profiler AI is the tool Frank wishes he'd had on day one.
Adaptive. Conversational. Verbatim. Built for the Australian super system, and designed to meet every client at their own literacy level - in their own words - with a complete reasoning trail behind every recommendation.