RiskBok
Book a demo

For South African wealth advisors

Measure your client, & plan accordingly

Assess your client’s risk tolerance and plan their goals against it — scores mapped to your own portfolios, with the reports, sign-off and records your company needs behind it. Take the five-minute practice check to see where your own process stands.

Start the practice checkSee how it works

What the app does

Risk profiling, step by step.

ASSESS

Client risk assessments

Thirteen questions on a published scale — run it in the meeting, or send a secure link to the client’s phone.

RISK ASSESSMENT · J. SMITHQUESTION 7 OF 13
ASSESSMENT PROGRESS
0%
7 of 13 questions
✓Consent
✓Financial Situation
Risk Tolerance
Results
RISK & REWARD
You are on a TV game show and can choose one of the following; which would you take?
R10,000 in cash
A 50% chance at winning R50,000
A 25% chance at winning R100,000
A 5% chance at winning R1,000,000
← BackNext →
RISK & REWARD
When you think of the word “risk”, which of the following comes to mind first?
Loss
Uncertainty
Opportunity
Thrill
← BackNext →
REVIEW

Score review & overrides

Odd answers get flagged before the score counts. Overrides need a reason, and the reason goes on record.

REVIEW · J. SMITHCHECKLIST · 1 OF 3 DONE
0.0AVERAGE± 7.7
REVIEW CHECKLIST
Reserve below the recommended 3–6-month emergency fund
✓ DONE
Q4 · Answer is an outlier against the rest of the profile
CONSISTENCY CHECK · ANSWERED IN 2.1S
CAUTIONAcknowledgeOverrideOVERRIDDEN↺
Q11 · Gain vs loss — answer adjusted
REASON RECORDED · CLIENT MISREAD THE OPTIONS
OVERRIDDEN
CAPACITY · ADEQUATEWork through the remaining warnings to continueConfirm Capacity
OVERRIDE · Q4 ANSWER
✓Sell all remaining investments
Sell a portion to cut losses
Hold everything and wait
Buy more while prices are low
Q4 overridden — score recalculatedUNDO
MAP

Score-to-portfolio mapping

Score ranges map to your company’s own model portfolios — every adviser recommends inside the same lines.

STRATEGY · CORE MODERATE — PORTFOLIO SCORE MAPPING4 SLOTS
Defensive Income8 FUNDS0–28
MERIDIAN BALANCED FUND22%
KAROO FLEXIBLE INCOME18%
SILVERTREE GLOBAL EQUITY15%
+ 5 MORE45%
Balanced Growth12 FUNDS22–48
Stable Growth11 FUNDS42–66
Equity Growth14 FUNDS60–100
PLAN

Goal planning with live odds

Build the client’s plan on their accounts — the chance of success updates as you adjust it.

GOAL · RETIREMENT 2050 · J. SMITHViewing Version 3 ▾Adjust plan
PORTFOLIOS AT SCORE 42
Balanced Growth0%
Stable Growth78%
PLAN STATUS
Projected · 2050
R2.9M
Monthly contribution
↺6,500R/MO
Events
2 + ADD
REPORT

Reports & compliance records

Score reports, plan certificates and the full audit trail — branded as your company, ready to download.

DOCUMENTS · J. SMITH
ADVISER REPORTS
Risk Score ReportREADY
CLIENT REPORTS
Client SummaryREADY
COMPLIANCE
Compliance RecordREADY
GOAL · RETIREMENT 2050
Monitoring StatementREADY
Approved PlanV3 · FROZEN
PREVIEW · RISK SCORE REPORTDownload PDF
PREPARED 8 JUL 2026
Risk Tolerance Report — J. Smith
RISK TOLERANCE
42.0 · AVERAGE
CONFIDENCE RANGE
34 – 50
GENERATED 8 JUL 2026
Compliance Record — J. Smith
12 JUN 09:14Assessment link shared with client✓
14 JUN 11:02Assessment completed — 13/13 answers✓
14 JUN 11:05Consistency flags raised — 2✓
15 JUN 09:30Override recorded — Q11, reason logged✓
15 JUN 09:41Capacity confirmed by adviser✓
15 JUN 10:12Plan v3 approved by client — frozen✓
RECORD COMPLETE
APPEND-ONLY
Your data

Connect Your Data

The data behind your projections and monitoring — loaded from spreadsheets, or connected to your database or API. We’ll help you get set up.

DATA · SOURCESHEALTH CHECK RUNNING
SourcesChecking…
FundsDatabaseCHECKING…
Client AccountsAPI✓ AS AT 31 MAY
FeesManual✓ UPDATED TODAY
PortfoliosSpreadsheet upload✓ LOADED 10 AUG
Market AssumptionsRiskBok defaultMAINTAINED
Your own databasenever shared, never pooled
Encryptedin transit and at rest
Hosted in South AfricaAzure
Everything on the recordbefore and after, kept

Beyond the core

Fees, reviews, sign-off and the record.

The smaller pieces around the core — fee modelling, review reminders, client sign-off and the activity log. Scroll at your own pace.

Scoring

Risk score breakdowns

Every answer is itemised — the option chosen, the points it carried and exactly what it added to the score. Nothing about the number is hidden.

SCORE 42.0 / 100
Q4+7.9
Q9+5.3
Q11+2.6
J. SMITH · THIRTEEN ANSWERS
Engine

Probability of success

Thousands of simulated market paths, correlation-aware and net of every fee, give one number: the chance this plan reaches the goal.

P(SUCCESS)82%
Fees

Model your fees

Advice, platform, DFM and fund costs all sit inside the projection, with an EAC disclosure alongside it. Nothing on screen is shown gross.

ADVICEPLATFORMDFMFUND COSTS
EAC 1.74% P.A.
Reviews

Automatic review reminders

Every client carries a re-assessment date, and the app chases it — overdue, due soon, awaiting reply — so nobody quietly goes unreviewed.

REVIEWS DUE
J. SMITHOVERDUE 12 D
T. MOKOENADUE IN 9 D
AWAITING REPLY · 2
Approvals

Client sign-off by link

The client opens a secure link, reads what changed, and approves by typing their legal name. No account, no login; who and when are recorded.

Approve planApproved · 14:02
Typed legal name · J. Smith
Versions

Plan version history

A plan stays a draft until the client approves it. Then it freezes as a numbered version, with a before-and-after changelog against the last one.

V1V2V3 · ACTIVE
Changelog · before and after
Emails

A log of every client email

Every message the app sends is listed against the client, with the rendered email to look at and its real status — sent, delivered, opened or failed.

PLAN READYDELIVERED
REVIEW DUEOPENED
APPROVAL LINKSENT
Rendered preview on every row
Records

The full activity log

Every create, change and sign-off lands in one append-only log, with the old value and the new. Filter it to one client, and export it.

ACTIVITY · J. SMITH
SCORE29.4→23.5
PLANDRAFT→APPROVED
Export · CSV
Workflow

Action Center

One queue across the whole book — needs action, waiting on others, at risk — with safe one-click moves like resending an approval.

NEEDS ACTION6
WAITING ON OTHERS4
AT RISK2
Your company · today
Dashboard

Dashboards that fit the role

Widgets are role-aware — a principal opens on the book, an adviser on their own clients. Drag them where you want them; the layout saves per person.

R41M
82%
+
Drag to arrange · saved per person
Access

Roles & permissions

Roles are shaped around the job, and client scope is set person by person — an adviser sees their own clients and nobody else’s, on every screen and every export.

Adviser · own clientsPrincipal · whole companySupport · no client data
Security

A database per company

Your company’s data lives in its own database — separate, never pooled with anyone else’s. Known-breached passwords are refused, and repeated failures lock the account.

YOUR COMPANY
ANOTHER COMPANY
SEPARATE DATABASES · NEVER POOLED
Branding

Your branding everywhere

Your logo and your colours carry through the reports, the emails and every page a client sees. The client meets your company, not ours.

REPORTS · EMAILS · CLIENT PAGES
Light and dark
Capacity

Capacity warnings

Affordability never touches the score. It raises warnings instead — Strong, Adequate or Limited — and a serious one needs a recorded reason to pass.

RESERVE < 3 MONTHS
SURPLUS · THIN
Capacity · Adequate
Serious warning · reason recorded
And more

See the rest in a demo

Certificates, exports, the client-facing pages and the market assumptions we keep current — a 30-minute walkthrough covers the lot.

Book a demo

Two packages: risk profiling, or profiling plus planning.

Risk profiling is complete on its own. Financial planning builds on top of it.

Complete on its own
Risk Profiling
For companies that already run their own planning software.
✓Client risk assessments — thirteen questions, published scale
✓Score review, overrides & portfolio mapping
✓Reports & compliance records, branded as your company
Adds on top
Risk Profiling + Financial Planning
The full path — from the client’s score to an approved plan.
✓Goal planning with live odds
✓Your data behind the projections
✓Client sign-off, plan versions & certificates

Deliberately bounded

How we use AI in risk profiling.

We use flagship models, and only where they earn their place — no AI for AI’s sake. They get the substance of each assessment, never who the client is. Rules decide the flags, the model writes the words, and every suggestion is yours to accept, edit or reject — on the record.

CLIENTASSESSMENTMETAANONYMISEAI MODELS
Who builds it

Founded by people who've done this before.

Tarquin Vaughan-Scott, co-founder

Tarquin Vaughan-Scott

Co-founder · Software architect

Twenty years building financial data platforms. Co-founded Infovest, and now runs Fundstream — helping finance companies move their data operations to the cloud.

Chad Goldsworthy, co-founder

Chad Goldsworthy

Co-founder · Lead developer

A data engineer in financial services — data platforms, cloud, AI. Now building RiskBok, bringing that engineering to how advisers work.

See where your own process stands.

See exactly where your process falls short — and what fixing it looks like. No email required

Take the quiz
Ready when you are

Book a demo.

About 30 minutes, on a screen-share. Tell us what you'd like to see.

Company size
Interested in

We use this to reply to you about a demo. Nothing else, and no mailing list. Rather just email? info@riskbok.com