At RO2 Wealth, we recognize that true financial peace of mind comes when your investment strategy aligns with your financial reality and your emotional comfort level. Our Risk Optimization (RO2) framework balances two crucial factors:

1. Risk Capacity (Your Financial "Wiggle Room")

This is the objective, mathematical reality of your finances. It answers the question: Are you positioned to ride out an economic downturn or unexpected personal circumstances without jeopardizing your future goals, like retirement or funding education?

• Key considerations: Goals, Age, Income stability, Assets, Debts, Time Horizon

2. Risk Tolerance (Your "Sleep-at-Night" Factor)

This is the subjective, emotional side of investing. It answers the question: How much market volatility can you stomach before you start panicking and making impulsive decisions?

• Key considerations: Your personality, past investment experiences, and emotional resilience to uncertainty.

The Outcome: A risk-optimized investment portfolio and holistic financial plan which maximizes the ability to achieve your goals with the minimum volatility.

The biggest financial mistakes occur when risk capacity and risk tolerance are out of alignment—taking risks you can't afford, or being too scared to take the risks necessary to grow. We serve as an objective financial partner to help you stay true to your long term financial freedom goals.