riskDNA AI

Risk analytics built on a specific disagreement with the category: a questionnaire measures tolerance, and tolerance is neither capacity nor behavior.

The problem it was built for

The industry standard for understanding a client’s relationship with risk is a questionnaire that produces a score. Ten or twelve questions, one number, and that number becomes the artifact in the client conversation.

A questionnaire measures how someone feels about risk in a calm room, with no money moving. That is a real thing to measure. It is not the only thing that matters.

riskDNA includes a risk questionnaire of its own, so it takes the place of a standalone risk-tolerance tool rather than sitting next to one. The questionnaire is one of its three inputs, not the output.

Three things, not one

Risk tolerance is disposition — how much volatility someone is willing to accept.

Risk capacity is arithmetic — how much loss their plan can absorb before the plan stops working. It has nothing to do with feelings.

Behavior is what they actually do when it is happening. It is the hardest to measure and the one a questionnaire cannot see.

A single score collapses all three, because one number fits on a slide. The distinction has a name: The Three Risks.

Tolerance is stated. Capacity is calculated. Behavior is revealed.

What riskDNA does about it

riskDNA AI is a risk analytics platform that keeps those dimensions separate. In the stack it sits above THOR’s portfolios and below the UX Wealth platform, which delivers its analytics to advisors. The output is meant to inform your conversation and your suitability file, not to replace either.

It became available to UX Wealth Partners advisors on April 1, 2026 and generally on May 1, 2026. It is free to advisors and funded by asset managers. In return those managers receive advisor-level data, and aggregated client data, on how advisors on riskDNA use and position their strategies; the platform covers ETFs and mutual funds broadly, so their products are among those an advisor sees there. That funding is a conflict of interest.

riskDNA also ships CRM, financial planning, income planning, annuity analysis, M&A tools, and competitive analytics, in the same free platform. This page covers the risk analytics; the rest is described at riskdna.ai.

What it does not claim

It does not predict what a client will do. It does not predict returns, drawdowns, or market conditions, and nothing it produces should be read as a forecast.

It also does not settle the question of what a client should own. That is the advisor’s judgment and their regulatory responsibility.

Why the precision matters

Analytics of this kind end up inside client-facing material produced by advisory firms. Anything overstated about what a tool proves becomes an advertising problem for the firm using it.

Where to take it

riskdna.ai is a gateway that asks what brings you there; access for advisors runs through uxwp.com.

My role

Co-founder.