the foundation of a strong investment relationship starts with understanding you—your financial goals, your risk tolerance, and your investment preferences. One of the most important tools in this process is the Investment Profile Questionnaire (IPQ), which plays a central role during your Investor Profile Review—the onboarding discussion you’ll have with one of our Portfolio Managers.

What Is the IPQ?

The IPQ is a responsive, multi-dimensional assessment designed to help us evaluate your financial situation, investment experience, time horizon, income needs, and most importantly—your ability and willingness to take on investment risk. This allows us to recommend an investment mandate that’s not only suitable, but sustainable for you over time.

Why It Matters

Your responses to the IPQ directly influence:

• Your recommended investment mandate (Conservative, Balanced, or Growth)
• The structure and strategy of your portfolio
• How we manage your assets during market fluctuations
• The suitability of the portfolio under current regulations

In short, the IPQ ensures that we are acting in your best interest from day one.

How It Connects to the Onboarding Call

The Investor Profile Review is a one-on-one conversation where we complete the IPQ together. It’s your opportunity to:

• Share your financial objectives and life goals
• Ask questions about how your money will be managed
• Clarify any uncertainty about risk or portfolio performance
• Confirm your investment time horizon and liquidity needs

The information we gather during this discussion is essential for building a portfolio that reflects your true investor profile. It also ensures that everyone named on the account has input into the decision-making process.

The Bigger Picture

Investment suitability isn’t a one-time box to check—it’s a living, evolving part of your financial plan. That’s why we encourage you to reach out if your circumstances change (e.g., job change, inheritance, retirement planning, etc.). We’ll gladly revisit your IPQ and update your investment strategy accordingly.

Conclusion

The IPQ is more than just a form—it’s a conversation starter, a planning tool, and a compliance safeguard rolled into one. When combined with the Investor Profile Review call, it provides the foundation for personalized, professional investment management tailored to your needs.

At Croft Financial Group, we’re committed to ensuring every client begins their journey with clarity, confidence, and a strategy that fits.