1) Get your risk tolerance.

Please keep the following general guidelines in mind when completing the risk tolerance survey with Hidden Levers and considering how your score will alter your risk level. These choices are listed in order from what is considered to be conservative to highest risk.

0-20 score – Conservative or Very Low Risk – Income with Capital Preservation. Designed as a longer-term accumulation account, this is considered generally the most conservative investment objective. Emphasis is placed on generation of current income with minimal risk of capital loss. Lowering the risk generally means lowering the potential income and overall return.

21-40 score – Moderate Conservative – Income with Moderate Growth. Emphasis is placed on generation of current income with a secondary focus on moderate capital growth.

41-60 score – Moderate or Medium Risk – Growth with Income. Emphasis is placed on modest capital growth with some focus on generation of current income.

61-80 score – Growth or High Risk -Growth. Emphasis is placed on achieving high long-term growth and capital appreciation. There is little focus on generation of current income.

81-100 score – Aggressive or Very High Risk -Aggressive Growth. Emphasis is placed on aggressive growth and maximum capital appreciation. No focus on generation of current income. This objective has a very high level of risk and is for investors with a longer time horizon.

We are happy to set up a time to go through this process together if you are unsure where you should score or have questions. If you need help, skip this step and contact Melinda at melinda@scarletoakfs.com or call 800-871-1219.

This form generally takes about 10 minutes to complete.

2) Please fill out the Client Contact Form.

The Client Contact Form gathers general information that is vital for us to open accounts and manage your money within our systems.

This form generally takes about 15 minutes to complete.

If you need additional help, contact Melinda at melinda@scarletoakfs.com or call 800-871-1219. Have a more in-depth question? Set up a short appointment with Melinda here.

3) Please fill out the Financial Factfinder Form.

Our Factfinder Form is designed to provide us with a detailed understanding of your financial status. This survey allows you to link your existing financial accounts, including checking accounts, employer retirement accounts, credit cards, student loans, and much more, provided there is an online account with the institution. In addition, the survey includes a secure encrypted Vault Storage where you can upload necessary documents before your appointment.

If you don’t have everything, don’t worry; submit what you can. Our aim is to get a complete picture of your income and debt, so we can assist you in achieving your financial goals.

This survey generally takes about 30- 45 minutes to complete.

If you need additional help, contact Melinda at melinda@scarletoakfs.com or call 800-871-1219. Have a more in-depth question? Set up a short appointment with Melinda here.

4) Please review our service menu.

At Scarlet Oak Financial Services, we believe in a holistic approach to financial planning that can help you achieve your goals and manage your money. Our range of services and accounts is designed to provide a complete financial plan. If there is a particular service that you are interested in but you have not let us know, please don’t hesitate to reach out to Melinda at melinda@scarletoakfs.com or call 800-871-1219. We would happily provide you with more information via email or at your next visit.

If you need additional help, contact Melinda at melinda@scarletoakfs.com or call 800-871-1219. Have a more in-depth question? Set up a short appointment with Melinda here.

4) Schedule a visit.

If you have not already scheduled a visit with your advisor, please select a time that works for you.

If you can’t find a time that works, contact Faye at fsykes@scarletoakfs.com or call 800-871-1219.