Terms of Use for MRI™ Secure Portfolio Risk Estimator

1. No Advisory Relationship
The developers of MRI™ and the MRI™ Secure Portfolio Risk Estimator do not provide financial planning, investment, legal, accounting, retirement, portfolio management, or any other form of professional advisory services. All content, including assessments, typologies, tools, and reports provided by MRI™, is intended solely for informational purposes. Nothing made available through MRI™ constitutes or should be interpreted as personalized investment advice, recommendations, or an offer to buy or sell any security or financial instrument.

2. User Responsibility
Users are solely responsible for evaluating and applying the information provided by MRI™ and the MRI™ Secure Portfolio Risk Estimator. This includes, but is not limited to, consideration of individual risk preferences, financial knowledge, portfolio constraints, and asset perceptions. Users must independently assess the relevance of MRI™ materials in light of their personal financial circumstances, goals, and both current and anticipated market conditions.

3. Informational Nature of Outputs
MRI™ typologies, classifications, and modeling outputs are designed to serve as general frameworks and should not be used as the sole basis for making investment decisions. The MRI™ Secure Portfolio Risk Estimator process does not explicitly incorporate a user's financial objectives, time horizon, market outlook, or complete personal financial profile.

4. Consultation with Qualified Professionals
All MRI™ outputs, including reports and assessments, are intended to support further evaluation and discussion with a qualified financial advisor. Users should seek independent financial, legal, or other professional advice before making any investment or planning decisions based on MRI™ tools.

5. Data Use and Research
By using MRI™ tools, you acknowledge and agree that MRI™ and the Financial Planning Performance Lab may collect user input data and use anonymized and aggregated information for research and development purposes.

6. No Warranty or Liability
All MRI™ services are provided “as is” without warranties of any kind, express or implied. The developers of MRI™ and the MRI™ Secure Portfolio Risk Estimator make no guarantees regarding the accuracy, completeness, or suitability of any content. Use of MRI™ and the MRi™ Secure Portfolio Risk Estimator is at your own risk, and you agree that neither MRI™ nor its developers shall be liable for any damages arising out of or related to your use of the platform.

Click Here to Learn More about MRI

Copyright © [2025] [Money and Risk Inventory LLC]. All rights reserved. Unauthorized use, reproduction, or distribution of this material is prohibited without permission.

Portfolio Inputs

Let’s Get to Know You Before We Dive In

To provide a meaningful analysis of your portfolio, we first need to understand your unique financial perspective. The following questions will help us get a clearer picture of your goals, preferences, and comfort with risk.

There are no right or wrong answers—just be honest and thoughtful.

Take your time and enjoy the process. It’s all about helping you make smarter, more personalized investment decisions.

You did great.

It is now time to enter the dollar amounts you hold in the following investment categories. Most people answer based on their personal holdings (e.g., retirement plan), but you can also use your household's portfolio if you are actively engaged in managing it. 

This is the value of your portfolio: ${{PorrtfolioValue:Decimal;0,0.00}}

If this is correct, click the submit button to see your results.

Copyright © [2025] [Money and Risk Inventory LLC]. All rights reserved. Unauthorized use, reproduction, or distribution of this material is prohibited without permission.

Portfolio Report

Your portfolio risk score calculated by MRI™ Secure is: {{PortfolioScore:Integer;00}}

In comparison, your comfort with risk score is: {{MRICOMFORTWITHRISKSCORE:Integer;00}}

A financial advisor would likely classify you as {{MRIRiskCatehgory:Integer;00}}, whereas your portfolio is {{CurrentPortfolioCategory:Integer;00}}.

MRI™ Secure Feedback: {{Feedback:Integer;00}}

Something to consider: {{Action:Integer;00}}

Here is some additional information about your portfolio: {{ReturnFeedback:Integer;00}}

Keep in mind that in any given year, your portfolio could lose ${{VAR:Decimal;0,0.00}}.

If the idea of this potential loss makes you feel uneasy, it might be a good time to explore ways to reduce your portfolio’s risk. One option to consider is a fixed annuity, which can provide steady, guaranteed income and help protect a portion of your money from market ups and downs.

At this point, you can stop, get insights into your MRI™ Annuity Score, or you can play with your portfolio allocation in the MRI™ Secure Sandbox. 

What is the MRI™ Secure Sandbox?

The MRI™ Secure Sandbox is a simulation space — a flexible, interactive tool that lets you experiment with your investment portfolio without making any actual changes to your real holdings. 

Think of it as a "what-if" lab: you can test different strategies, tweak investment amounts, and explore new allocations with zero financial risk.

You can use the Sandbox to:

• See how shifting money between assets affects your overall portfolio risk score

• Try out new investment mixes (e.g., more equities, less cash)

• Visualize the impact of your decisions in real-time

• Compare hypothetical portfolios to your current one

Use this feature if you're curious about how small or large changes might affect your portfolio risk score, diversification, or alignment with your long-term goals.

Copyright © [2025] [Money and Risk Inventory LLC]. All rights reserved. Unauthorized use, reproduction, or distribution of this material is prohibited without permission.

The Sandbox

Investment Sandbox Instructions

Welcome to your Investment Sandbox — a safe, interactive environment where you can experiment with your portfolio allocation. Use this tool to explore how changing your investment amounts might affect your overall portfolio risk.

Step-by-Step Guide:

Review Your Current Portfolio

The tool will display your current investment holdings based on your original inputs.

Each asset or investment category will show:

Current amount invested

Percentage of your total portfolio

Adjust Investment Amounts

In the Sandbox, you can enter new amounts for each investment.

You can increase, decrease, or zero out any investment — this won’t affect your real portfolio.

Compare Side-by-Side

As you adjust values, the tool will automatically:

Recalculate percentages and total portfolio value.

Re-estimate your portfolio risk score.

Monitor Key Metrics

Keep an eye on helpful indicators, such as:

Diversification balance (e.g., stocks vs. bonds)

Dollar amounts (be sure your sandbox portfolio value is the same as your original portfolio value)

Your Grable & Lytton risk-tolerance score (aligning your portfolio with your risk tolerance is a target goal)

Some Things to Think About Before Beginning

Try multiple allocation strategies (e.g., conservative, balanced, aggressive). 

Compare your sandbox results with your comfort with risk score.

If you want to reduce overall portfolio risk, consider adding assets to the fixed annuity category — watch what happens to your portfolio risk!

Consult with a financial advisor before making actual investment changes.

Cash Value of Life Insurance Holdings: {{CVofLifeInsurance:Decimal;C}}

this is {{OriginalCVlife:P}}% of your portfolio.

Fixed-Income Mutual Funds and Exchange Traded Fund Holdings: {{FIFunds:Decimal;C}}

This is {{OriginalFIFndPerc:P}}% of your portfolio.

Stock Mutual Funds and Exchange Traded Fund Holdings: {{StocksFunds:Decimal;C}}

This is {{OriginalStockFundPerc:P}}% of your portfolio.

Variable Life Insurance Holdings: {{VariableLifeInsurance:Decimal;C}}

This is {{OriginalVariableLifePerc:P}}% of your portfolio.

Variable Universal Life Insurance Holdings: {{VariableUniversalLifeInsurance:Decimal;C}}

This is {{OriginalVULPerc:P}}% of your portfolio.

Just So You Know

{{Warning}}

Your Original and Sandbox Portfolios Are Out-of-Alignment By: {{Balance:Decimal;C}}

The risk of your Sandbox portfolio is: {{SandPortfolioScore:Integer;00}}

In comparison, your MRI™ Comfort with Risk score is: {{MRICOMFORTWITHRISKSCORE:Integer;00}} 

Your Sandbox portfolio classification is: {{SandPortfolioCategory:Integer;00}}    

Based on MRI™ Secure estimates, {{SandFeedback:Integer;00}}

The probability that your Sandbox portfolio will lose money is {{SandProbLosingMoney:Decimal;0.0}}%.

The probability that your Sandbox portfolio will generate positive returns is {{SandProbMakingMoney:Decimal;0.0}}%.

Some Additional Insights

{{SandAction}}

{{SandReturnFeedback}}

Understanding the Graph

MRI™ Comfort with Risk and Portfolio Risk scores range from 5.00 (very low risk) to 95.00 (very high risk).

The graph includes four columns:

• Your MRI™ Comfort with Risk score
• Your current portfolio's risk score
• Your sandbox (reallocated) portfolio's risk score
• The difference between your current and sandbox portfolio risk scores

Typically, long-term investors aim to align their sandbox portfolio risk score with their MRI™ Comfort with Risk score.

You can experiment with different sandbox portfolio allocations to see how closely you can match your comfort with risk score to your sandbox portfolio's risk score. Be sure to keep an eye on the possible loss estimate for your reallocated portfolio.

💡 Your Annuity Score: What It Means for You

Your Annuity Rating reflects how well a fixed annuity might fit into your current financial mindset and investment strategy.

A higher rating (shown as *****) suggests that you may value financial stability, predictable income, and protection from market swings—making a fixed annuity a potentially strong match.

A lower rating (*) means you may lean more toward growth-focused investments, prefer flexibility, or have a higher tolerance for risk—so annuities might not be top of mind right now.

This rating doesn’t say what you should do—it simply gives insight into how well a fixed annuity aligns with your preferences today.

As your goals or market conditions change, your rating might too. Use this rating as a conversation starter—not a conclusion. It’s one piece of your broader financial picture.

Your Annuity Rating Is: {{AnnuityRating}}

What Does Your Rating Mean?

{{AnnuityFeedback}}

Interested in how a fixed annuity could fit into your overall financial plan?

Enter your email below to connect with a licensed financial professional who can help you explore your options.

By submitting your contact information, you authorize MRI Secure and its affiliates, as well as participating financial professionals, to contact you about your inquiry. This contact may include calls, texts, or messages using automated technology or prerecorded content. Your consent is not required as a condition of receiving services. Message and data rates may apply. You also agree to our Terms of Use. MRI Secure does not endorse or recommend any specific financial advisor. To better support your financial journey, we may share your email address and relevant activity on our platform with the advisor you are connected with.

Transform Fixed Annuity Conversations with MRI Secure

MRI Secure is a predictive, research-backed tool that helps financial advisors identify ideal candidates for fixed and fixed-indexed annuities. 

Powered by the MRI Comfort with Risk Score, the MRI Secure model delivers personalized insights rooted in behavioral finance, aligning a client's comfort with risk with smart, compliant annuity strategies.

MRI Secure:

• Systematically and scientifically identifies clients suited for fixed annuities.
• Quantifies portfolio risk and models improvements.
• Enhances trust through clean, tailored reports.
• Meets compliance requirements.

Bring clarity, confidence, and competitive advantage to your annuity recommendations with MRI Secure.

Move to the next page to experience the MRI Secure customer experience. As you review the tool, keep in mind that the MRI Secure model is fully customizable based on each advisory firm's needs and requirements.

MRI Secure Demo Information

This demo provides a fully functional preview of MRI Secure and is intended for firm leaders and advisors to explore the tool's capabilities from the perspective of the client. 

MRI Secure can be customized, licensed, and integrated with your firm’s platform. Portfolio data can be entered manually or connected automatically to your CRM, financial planning system, or other compatible software.

Visit the MRI Website