June 18, 2025, by Helen Yang, CFA, Founder & CEO | Andes Risk

You understand the value of independence, innovation, and putting your clients first. But you also know that the tools you choose play a critical role in how effectively you deliver on that promise—especially during periods of heightened volatility and uncertainty.

In recent years, markets have become more erratic, investor psychology more fragile, and client expectations more sophisticated. And yet, many advisors are still using first-generation risk tools that were built for a different time—and a much simpler client mindset.

It’s time for an upgrade.

Risk Tools Have Evolved. Have Yours?

Risk Tools Have Evolved. Have Yours?

Let’s take a step back and look at the evolution of risk technology in wealth management:

  • 1st Generation: Traditional Risk Tolerance Questionnaires (RTQs)
     Designed decades ago, these tools rely on generic multiple-choice questions to assign clients to a risk bucket. Easy to use, yes—but often overly simplistic, rigid, and blind to behavioral nuance.
  • 2nd Generation: Riskalyze (now Nitrogen)
    These tools introduced risk scoring and portfolio alignment based on numerical risk levels. It was a meaningful improvement—but still focused on what level of risk a client says they’re comfortable with, not how they’ll behave when volatility hits.
  • 3rd Generation: Andes Risk
    Built with behavioral finance at its core, Andes Risk captures a client’s full risk profile across four dimensions—Tolerance, Capacity, Perception, and Composure—giving advisors deeper, more practical insights they can use in real-world conversations.

What Today’s Market is Demanding from Advisors

Volatility is no longer a surprise event—it’s a regular feature of modern investing. Whether it’s political instability, inflation uncertainty, Fed policy shifts, or global conflict, your clients are seeing the headlines and asking hard questions.

And the truth is, when markets get choppy, it’s not the portfolio that gets tested first—it’s the relationship.

So how can you rise above the noise, coach clients through uncertainty, and still drive growth?

Enter: Andes Risk.

How Andes Risk Helps Wealth Advisors Work Smarter and Grow Faster

Wealth advisors are adopting Andes because it fits seamlessly into their workflow while unlocking entirely new dimensions of value for clients.

Here’s how:

Deeper Risk Assessments That Reflect Real Behavior

With Andes, you’re not just asking “how much risk can this client tolerate?”—you’re uncovering how they perceive risk, how likely they are to stay composed in a downturn, and whether they tend to act rationally or emotionally under pressure. This gives you a much more accurate view of what your client needs—and how to guide them.

Actionable Behavioral Profiles for Every Client

Is your client a trend follower who chases momentum? A contrarian who leans in when others panic? Or a passive investor who avoids market noise but needs occasional reassurance? Andes Risk helps you answer these questions quickly and objectively, so you can customize your communication strategy and deliver coaching that sticks.

Proposal Generation that Combines Risk and Time Horizon

Unlike most tools that force you to choose between modeling based on time horizon or risk score, Andes Risk lets you blend both—generating tailored proposals that reflect the client’s full picture. With our Portfolio Visualizer, you can walk clients through trade-offs and outcomes with clarity and confidence.

One-Click IPS Generation

During moments of panic, clients often forget the plan. Andes lets you generate a compliant, personalized Investment Policy Statement (IPS) in one click, helping you anchor conversations around long-term objectives and reduce emotional decision-making.

An Advisor-Friendly Platform That Works How You Work

We built Andes to work the way advisors do. It’s fast, intuitive, and designed to fit within your existing tech stack—without creating more friction or complexity. Whether you’re planning a portfolio, onboarding a new client, or preparing for a tough conversation, Andes Risk gives you the tools to lead with clarity.

Why Now? Why You?

If you’re a wealth advisor who wants to deepen client relationships, reduce churn during downturns, and position yourself as a behavioral coach—not just a portfolio manager—this is your moment.

Your clients don’t want just a better investment—they want a better experience. They want to feel heard, understood, and guided through uncertainty with confidence.

That’s exactly what Andes Risk helps you deliver.

Markets will always be unpredictable. Your clients shouldn’t be.
Andes Risk helps advisors turn volatility into opportunity by understanding the human side of investing—so you can lead with insight, build trust, and grow your practice.

Ready to see what a smarter risk platform looks like? Book a demo today

Your clients will thank you for it.