From Prospect to Long-Term Client with Risk & Proposal Manager

A client’s risk tolerance is at the center of every financial decision made on their behalf, but keeping a portfolio aligned with that tolerance becomes a puzzle of disjointed information when relying on tools that don’t communicate with one another.

Oftentimes, risk tolerance lives in one tool, while the portfolio it’s supposed to inform lives in another, and any notes on the client relationship are in a CRM entirely separate from both. Reconciling that information across various platforms costs you time, and that time only compounds as your book of business grows.

YCharts’ new Risk & Proposal Manager is designed to close that gap. You now have a single place to manage your entire client book, organized by household and relationship, rather than scattered across separate platforms.

Now, risk tolerance is captured once and remains linked to a client’s portfolio, with alignment monitored automatically rather than checked by hand. Client context, updates, and engagement all live in one platform, backed by the institutional-quality data financial professionals already rely on in YCharts.

Reach Out to Add Risk & Proposal Manager to Your Account

Portfolio Risk Alignment, From Start to Finish

Prospect meetings are not always scheduled and confined to your office walls. Interest can show up unexpectedly at a lunch, through a phone call between meetings, or a casual conversation that develops into a real opportunity. 

Risk & Proposal Manager equips you to act on these opportunities, however they arrive, and ensures that business is won and relationships are nurtured well beyond the prospecting stage.

Capturing Risk Tolerance

With just a name and an email address, you can create client registrations on the spot and begin compiling the necessary information to land new business. The foundation of every recommendation is establishing how much risk a prospective client is comfortable taking on.

You can capture that comfort level with a risk tolerance questionnaire. Whether completed in person or via email, using YCharts’ preloaded questionnaires or a custom version built by your firm, every subsequent recommendation is tailored to the prospect’s actual risk tolerance.

A Portfolio Framework Built Around Clients

Once the questionnaire is complete, it automatically calculates and recommends a risk profile, with no manual work required. You can assign the risk profile directly or adjust it after further conversation, and each decision is saved in the client’s risk history.

You define what each risk level actually means for your practice: the asset allocation targets and which model portfolios map back to each. This provides a transparent, fully adjustable framework rather than relying on a black box. 

Whether you’re a solo advisor running your own models or part of a larger firm using standardized models, risk profiles adapt to the way you work.

With this connected workflow, you can move directly from risk assessment into proposal generation. A prospect’s current brokerage statement, uploaded through Quick Extract, can be automatically converted into a YCharts portfolio in seconds.

From there, you can surface gaps and opportunities within the prospect’s existing portfolio and generate a fully branded, risk-aligned proposal using your recommended approach.

Explore YCharts Proposals →

Without breaking stride, you are able to maintain momentum and advance opportunities, and that same connection carries forward once a prospect’s business is won.

Ongoing Risk Management Made Easy

A risk profile assignment is only as good as its last check-in. Markets move, and life circumstances change, and suddenly, the approach that was accurate for a client the day it was created no longer holds true. 

Catching that kind of drift usually means going looking for it, checking a portfolio against a client profile that lives somewhere else entirely, one account at a time. Winning new business isn’t the end of a risk conversation; it’s the beginning of an ongoing one.

Risk & Proposal Manager automatically flags alignment across your entire book, rather than treating risk as a one-time onboarding step. When a portfolio begins to drift too far from its risk profile targets, it is surfaced on the dashboard. You can see how many registrations have fallen out of alignment and click into the list to act sooner, rather than checking each account by hand.

Structure your book of business by household for a consolidated view of individual, joint, retirement, and other related investment accounts, along with the activity history and risk alignment that shape them. This holistic view provides a better understanding of each relationship and a stronger foundation for every client conversation.  

You can also ask Y, YCharts’ AI agent, to check a household’s alignment, surface concentration risks, or draft a client-ready update in seconds, turning book data into talking points without leaving the platform.

For firms overseeing multiple advisors, that same visibility extends across the entire practice. Aggregate book-of-business data enables compliance to track client interactions and risk alignment across every advisor’s book, catching misaligned accounts before they develop into bigger problems. 

Prepare Faster, Spot Issues Sooner, & Manage Relationships

Risk & Proposal Manager isn’t an additional stop in your day; it’s part of the same platform built for research, data, and reporting, carrying every client’s risk profile from the first conversation with a prospect to every review that follows.

This continuity saves time throughout your workflow and, more importantly, closes the blind spots that come with tracking risk alignment manually. Portfolio drift doesn’t quietly build over months before anyone notices, and you show up better prepared for every conversation with clients and prospects.

Getting to this point doesn’t happen from scratch, either. With integration-based book imports, existing client accounts, households, and portfolios are imported directly from the connected platforms you already use, so no manual entry is required to start.

Risk & Proposal Manager can be added to any YCharts subscription. Win new business, keep every portfolio aligned, and manage the whole relationship from one place. Explore Risk & Proposal Manager.

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