> For the complete documentation index, see [llms.txt](https://docs.rubica.au/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.rubica.au/households/risk-profiles/agreeing-a-risk-profile.md).

# Agreeing a Client's Risk Profile

For advisers and the advice team: find a client's risk profile, see what their questionnaire suggested, and agree the profile you'll advise on.

When a client returns your firm's risk questionnaire, rubica creates a risk profile for them straight away, with the profile their answers **suggest**. Your job is to review it with the client and record the profile you **agree**.

We use **Collins SBA** as the example: seven profiles from *CSBA 1/7 Cash 100:0* to *CSBA 7/7 High Growth 15:85*, and a questionnaire scored from 10 to 40.

## Finding risk profiles

Open the household. The **Risk Profiles** card lists every risk profile for the household and its members, newest first. At Collins SBA it sits at the top of the **Financial Planning** tab.

<figure><img src="https://3555949013-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FqzoPnlIGiL5ejRdJEq5X%2Fuploads%2Fgit-blob-25add5ffc7dad668a2741ea62f8391cc7bf1ae60%2Frisk-profiles-household-card.png?alt=media" alt="The Risk Profiles card on a household (test household shown)"><figcaption><p>The Risk Profiles card on a household (test household shown)</p></figcaption></figure>

Each row shows:

| Column        | What it means                                           |
| ------------- | ------------------------------------------------------- |
| **Name**      | The client, and which questionnaire and when            |
| **Suggested** | The profile the client's score points to                |
| **Score**     | The client's questionnaire score                        |
| **Agreed**    | The profile agreed with the client, once there is one   |
| **Date**      | When it was agreed, or when the questionnaire came back |
| **Status**    | Where it's up to (below)                                |

| Status                      | Meaning                                                                                                                                       |
| --------------------------- | --------------------------------------------------------------------------------------------------------------------------------------------- |
| **Pending Agreed Score**    | The questionnaire is back; no profile has been agreed yet.                                                                                    |
| **Completed**               | A profile has been agreed.                                                                                                                    |
| **Completed > 3 Years Ago** | It was agreed longer ago than your firm's review period. Time to review it. Collins SBA reviews every 3 years; your firm's number may differ. |
| **Not Completed**           | Nothing has been agreed and there's no questionnaire result.                                                                                  |

Click **Open** to see the full risk profile. Nothing is saved until you click **Save changes** inside it.

## Reading the result

The top of the risk profile shows **where the client sits** on your firm's scale. The bar is split into your firm's profiles by their score ranges, so at Collins SBA you'll see seven bands from *1/7* to *7/7*.

* **Client** (above the bar) marks the client's questionnaire score.
* **Agreed** (below the bar) marks the agreed profile: at the **agreed score** if one is entered, otherwise in the middle of the agreed profile's range.
* The stretch between them is shaded, so a gap is obvious at a glance.

<figure><img src="https://3555949013-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FqzoPnlIGiL5ejRdJEq5X%2Fuploads%2Fgit-blob-3ac82477772f524be0186c52965cdd69a63684e7%2Frisk-profile-dialog-suggested.png?alt=media" alt="A returned questionnaire: score 23 suggests CSBA 4/7, and the agreed profile starts on the suggestion"><figcaption><p>A returned questionnaire: score 23 suggests CSBA 4/7, and the agreed profile starts on the suggestion</p></figcaption></figure>

Underneath, a line says it in words. For example:

> Client scored 23 (suggests 4/7). Agreed 7/7 at 38: 3 profiles more growth than the questionnaire.

Further down you'll find:

* **The client's answers** to every question, exactly as they submitted them.
* **A comparison** of the suggested and agreed profiles side by side: growth assets, objective, timeframe, how often a negative year happens, and the worst, best and average 12-month returns.
* **All of your firm's profiles** charted together, which is useful to show the client in the meeting.
* **Previous risk profiles** for the same client.

## Agreeing a profile

In the agreement panel:

1. **Agreed risk profile**: choose the profile you and the client agree. It starts on the suggested profile. You can choose any of your firm's profiles.
2. **Agreed score** (optional): if you agree a different score, type it. The marker moves to that score, and the agreed profile changes to match.
3. **Acknowledgement method**: how the client confirmed it. At Collins SBA: *Verbal*, *Written* or *Signed Risk Profile*.
4. **Date completed**: leave it blank to use today.
5. **Notes**: why this profile was chosen.
6. Click **Save changes**.

{% hint style="warning" %}
**If the agreed profile differs from the suggested one, say why in Notes.** You'll see a prompt when they differ. That's what the compliance file shows.
{% endhint %}

<figure><img src="https://3555949013-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FqzoPnlIGiL5ejRdJEq5X%2Fuploads%2Fgit-blob-409637c62e7772b242db74910814ae3c5d9f5877%2Frisk-profile-dialog-differs.png?alt=media" alt="Agreeing a different profile: 7/7 at an agreed score of 38, three profiles more growth than the questionnaire"><figcaption><p>Agreeing a different profile: 7/7 at an agreed score of 38, three profiles more growth than the questionnaire</p></figcaption></figure>

When you save:

* The risk profile's status becomes **Completed**.
* The agreed profile becomes the client's current **Risk profile**, shown on their record and used by documents and reports. You'll see a message confirming it, for example *"Saved. Sample Sampleson's risk profile is now CSBA 4/7 Balance 50:50."*
* This only happens for the client's **most recent** agreed risk profile. Correcting an older one updates that record but leaves their current profile alone.

Every change is kept in the record's history.

## Common questions

**The client returned the questionnaire but there's nothing on the household.** Check the form was sent from the household or from the client's own record. If it still doesn't appear, ask your admin to check the questionnaire is linked on the Risk Profiles screen (**When a form comes back** shows it as **On**).

**There's no suggested profile.** The client's score fell in a gap between your firm's score ranges, or the risk profile was created before your firm linked its questionnaire. Agree a profile in the usual way.

**I need a profile that isn't in the list.** Only your firm's active profiles are offered. Ask your admin to add it on the Risk Profiles screen.