Joe Sample
Provided by:
Personality Insights, Inc.
disc@personality-insights.com
770-509-7113
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Access code: FINA-SAMPLE, completed , Financial Version 1.1
DISCLAIMER: This report is for educational and self-awareness purposes only. The content herein is based on general trait tendencies of the D/IC personality style. This report is NOT intended to provide data, advice or guidance for diagnostic, health, legal, financial, or psychological purposes. If such advice or data is required, then a qualified professional should be sought. All parties associated with this report are to be held harmless from any and all liabilities, demands, claims, actions or suits that may be asserted related to the use of information contained herein.
Joe Sample
Joe Sample
YOUR personality style and how can impact your money
Keys for more SUCCESS based on your style
Tips to help IMPROVE your financial planning process
Communication tips to help RESOLVE financial conflict
with those of whom you share finances.
When you are able to …
1. Understand yourself
2. Understand the role your personality style plays in your finances
3. Increase your awareness between your style and your money
Then you can experience:
Better RESULTS and more financial SUCCESS
Better HEALTH and less stress in life
More JOY and increased HAPPINESS
More Financial FREEDOM to do what you want
Joe Sample
Joe, we will be using a concept called the "DISC" Model of Human Behavior in this report. Each letter (D, I, S and C) represents a main personality style. The DISC model is based on the fact that most people have predictable patterns of behavior. The first pattern reflects whether a person is more OUTGOING or RESERVED. The second pattern reflects whether a person is more TASK-ORIENTED or PEOPLE-ORIENTED. The two patterns can be visualized in two circular diagrams with opposing traits and then combined into one diagram as shown below.
The circular diagram in Step 3 has four sections like a pie. Each section is a combination of two traits that can be described by the letters D, I, S and C. The main words that we use to describe each personality style are Dominant (D), Inspiring (I), Supportive (S) and Cautious (C) as shown below.
Each Person is a UNIQUE BLEND of ALL FOUR traits. Your assessment shows that your personality blend is: "D/IC." You will learn more about your "D/IC" blend in your 41 Financial - Your Mind, Your Money Report.
Joe Sample
Personality Chart for Joe |
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Very
High |
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Circle Graph for Joe |
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Congratulations, Joe! Your personality style blend is D/IC. By having a DOMINANT / INSPIRING / CAUTIOUS personality style, you are a person who naturally seeks to lead and be in charge and get results through information and people! You like producing results. Your strength is being a visionary and achieving. A graph of your personality style is shown to the right.
Note: This graph represents your D/IC Style Blend. Please look in the "Graphs" section of this report to see your detailed graphs along with an explanation on how to understand your graphs.
"D" is the highest on the chart. That means that you are task-oriented and outgoing. The Exclamation Mark is your symbol. You are extremely gifted at problem solving. You naturally develop strategies to achieve goals. Next, notice that in your graph, the I/C areas are above the midline. That means your I and C traits will support your primary type which is D. Your I or C traits are usually where you go under stress. Recognize that some people need time to process. Your graph for the S area is below the midline. S traits are blind spot areas with this personality type. By focusing on these traits, you will achieve greater success and gain respect.
Joe Sample
Environment
Graph (How People See You) |
Basic Graph ( The Real You) |
Circle Graph (Basic at-a-glance) |
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Very High |
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53 81 17 54 |
71 59 23 52 |
Blend = D/IC |
The bar graphs above show levels for your D, I, S and C personality traits. The higher the level of the trait, the stronger it is. The graph on the left is called Your Environment Graph which shows how people see you. It shows how you tend to act with other people in your environment. The graph in the center is called Your Basic Graph. This graph reflects how you see yourself. It shows how you are most comfortable acting (the real you). Your Basic Graph in the center was used to determine your personality blend as being D/IC. The graph on the right is called your Circle Graph and is an at-a-glance view of your Basic Graph. Keep in mind that behavior in your environment is often different than your real personality preferences. This report can give you insights into the dynamics of your personality style. You may exhibit very different personality traits in different situations. That is normal. As you learn to see the patterns in your behavior, you will be able to interact more effectively with others.
Joe SampleYour Environment
Graph (How People See You) |
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| Very
High High Avg. Above Midline Avg. Below Low Very Low |
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53 81 17 54 |
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Your Environment Graph shows the way you have learned to function in your environment in order to achieve success. Your environment's requirements and expectations influence why you choose to act the way you do. The way you adapt to your environment can change depending on what you are going through in your life, changing role requirements, or major life-changing events. So, depending on the situation, you may respond with different personality traits to a greater or lesser extent. Therefore, your Environment Graph can vary some over time (months or years).
Your Environment Graph is based on answers you selected in the MOST category in the assessment (characteristics MOST like you). Your MOST choices are influenced by your environment. A simple illustration will explain why the Environment Graph comes from your MOST choices. What do you MOST want for dinner tonight? Pizza? Steak? A seafood salad? Your MOST choice for dinner is influenced by your environment. You might order pizza if you are in a hurry. You might choose steak to celebrate a special event. You might choose the seafood salad if you are on a diet. You make similar decisions in your behavior. You may need to be very decisive at work, so your Dominant (D) traits may score higher than they otherwise might in a more relaxed situation. Likewise, if your work requires you to be very exact and careful every day, then you would expect your Cautious (C) traits to score a little higher than they might otherwise. The more "MOST" choices you made for a given DISC type in your assessment, the higher your plotting point for that given DISC type would be in the graph.
Joe SampleYour
Basic Graph ( The Real You) |
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| Very
High High Avg. Above Midline Avg. Below Low Very Low |
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71 59 23 52 |
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Your
Circle Graph ( At-a-glance view of your Basic Graph) |
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Your Basic Graph shows your natural behavior. It shows how you are "wired" to behave when you are totally at ease. It is also the behavior you will gravitate to when you are under pressure, because it is the response that comes easiest to you. Your personality is built into who you are. You were designed a certain way from birth, before any outside influences occurred. Your natural personality traits vary less over time, because they are not significantly influenced by your environment.
Your Basic Graph is based on the choices you made in the LEAST category in the assessment (characteristics that were LEAST like you). Each time you made a LEAST choice for a given DISC type in your assessment, you indicated that you were least like that trait and the lower your plotting point for that trait would be. Do you remember our dinner illustration from the previous page? What if you were given the dinner choices of pizza, steak, or a seafood salad, but you hated seafood? Chances are good that you would choose seafood as your LEAST desirable choice. You probably would not change that choice, no matter where you were. You are usually very consistent in the things you do not like. Likewise, you are usually consistent in staying away from behaviors that are LEAST comfortable to you when you have a choice.
How many different graphs are there?
Some people associate DISC with only 4 personality styles. However, you are a BLEND of ALL 4 personality traits that each have their own levels. The personality assessment can yield over 39,000 graph combinations. The statistical validity of these reports is about eighty five to ninety percent accurate. To learn more about DISC please refer to the books Positive Personality Profiles and Who Do You Think You Are, Anyway? by Robert A. Rohm, Ph.D.
Joe Sample
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Please keep in mind these words may describe you more or less depending on the situation. If you feel that some of the words above describe you very well, then circle them. If you feel like some of the words do not describe you well, simply cross them out. This information is usually 85-95% accurate, but you are welcome to mark it up to match your unique personality style.
This report is NOT meant to label you! It is designed to HELP you UNDERSTAND and DISCover yourself. You can enjoy your unique personality and your strengths!
Joe Sample
The following section describes Joe's strengths based on the D/IC personality blend. These strengths represent qualities resulting from blending the D, I, S and C personality traits. Remember, everyone is a unique blend of all four styles. In other words, everyone has some of each of the four major personality styles.
Determined, Interactive and Detailed
Joe is passionate and focused when solving problems. Joe thrives on taking the initiative and has an innovative spirit. Joe enjoys working with people who share the same vision and purpose.
Resourceful Leader
Joe enjoys leading others and creating innovative solutions. Joe is able to encourage others to participate in reaching goals. Joe works well under pressure by creating ways to move ahead.
Joe Sample
The following section describes Joe's keys to maintain balance and excellence in life based on the dynamics of the D/IC personality blend. These keys are important in adapting to the needs and perspective of others. Practicing these insights will cultivate teamwork, productivity, harmony and understanding with others.
Ask People How They Feel
The way people feel inevitably influences their productivity and sense of value. Asking people how they feel creates an opportunity to communicate and work more effectively with others.
Ask People for Their Suggestions - Then Listen!
Some of the best solutions will come from those who do not like to speak up. When you work with such people, take the initiative to ask for their input. Take time to listen, and seriously consider what they have to say.
Initiate Change with Patience
You are energized in spontaneous, creative environments. You like change and variety. Not everyone has your pioneering spirit, so be patient in suggesting extensive changes to other team members.
Be Personal and Unhurried
People respond best when they feel important and valued. Take the time to listen to team members in order to build trust and rapport.
Joe Sample
The following section describes your "Basic Style" which is how you behave most naturally. Everyone has areas that he or she is strong in and areas where there could be personal growth. The following section contains insights into your basic motivation and behavior.
As a person having a D/IC style blend, you naturally act assertive, persuasive and procedural, yet responsive with others, because you want control, approval and variety. Remember: The key to your success and being respected by others is your ability to exercise being under-control. Focus on ADAPTING TO OTHERS by being COOPERATIVE and less critical. Your best response under pressure is to remain calm and be patient with others. You are least comfortable when you perceive that you may lose, be wrong or have to do repetitive tasks.
Joe SampleFinancial planning is not an exact science but there should be a process. Like constructing a house, you cannot start with the roof, you build it from the ground up…you start with a foundation.
The diagram below shows the building of a House of Financial Independence concept. The foundation that allows you to weather any financial storm no matter how deep and how wide, is your MINDSET. A strong mind equals strong determination. Understanding your personality and the role it plays in your finances works to strengthen your mindset. When you are mentally prepared, you are ready to build.
MINDSET is your foundation. From there, you move to DISCOVERY phase where you assess your current financial situation. Next, you take steps to PROTECT and SECURE yourself financially. Next you move into STRATEGIC PLANNING, where you take positive steps to provide for your future. Lastly, you move to BUILD LEGACY phase which focuses on helping your loved ones.
Joe Sample
The following section describes your decision-making style and what tends to be important to you. Your personality style influences how you make decisions based on your priorities. These insights reflect your most natural behavior when faced with choices.
Because you have a D/IC style blend, your basic priorities in decision-making are power, control and people issues with rules, procedures and information to back up your decision. In making decisions, your focus tends to be on the goal and solving problems based on information. Decisions many times are made based on accomplishing goals and understanding the purpose behind it. You will usually make a decision based on accomplishing a task while analyzing information and interacting with others. Remember: The key to you accomplishing your goals and being respected is to practice being sensitive to other people and how they may feel in a specific situation.
Understanding your decision-making style can help you become more successful in balancing the issues involved in a situation while interacting with the people who are affected by your decisions.
Joe Sample
The following section describes Joe's financial strengths based on the D/IC personality blend. These financial strengths represent qualities resulting from blending the D, I, S and C personality traits. Remember, everyone is a unique blend of all four styles. In other words, everyone has some of each of the four major personality styles.
Ready to Go
Financial decisions won’t hold you back from going where you want to go. You will know your numbers and act.
Determined to Achieve
Determination is a trait that moves you to action. You won't sit around waiting on someone else to get things done. When it comes to money, you see the desired results and will work hard until you succeed.
The Right Attitude
Your glass-half-full mindset gives you a positive attitude toward your finances. You are not discouraged easily when you lose your financial way. You will make the necessary corrections to get back on track.
The Busier the Better
Your desire to have lots of activity can assist you while juggling multiple financial challenges and/or projects. Short-term projects are your sweet spot. You will enjoy the process and will bring some entertainment to the project.
Joe SampleThe following section describes more of Joe's financial strengths based on the D/IC personality blend. Remember, you are a blend of ALL four personality traits (D, I, S and C).
The More the Merrier
Your desire for relationships can play a significant role in helping you with financial challenges. Your engagement in the financial situation is elevated when you have the proper help, and the relationship will drive your success with money.
Purposeful & Efficient
Your ability to work through details allows you to be purposeful in your planning. Your detailed approach will bring efficiency to your money and reduce waste.
Essential Planner
When facing a money challenge, you can plan the steps to correct your issue. Your determination, positive attitude, and focus on the details are the recipe that will move forward. You know how essential it is to have a plan, and you will work out your plan.
Sacrificial Approach
When it comes to money, you can sacrifice immediate gratification for long-term gain. You understand that it takes time to see the desired outcomes and can set aside your emotions to implement the right plan.
Joe Sample
The following section describes Joe's financial keys to success based on the D/IC personality blend. These financial keys represent qualities resulting from blending the D, I, S and C personality traits. Remember, everyone is a unique blend of all four styles. In other words, everyone has some of each of the four major personality styles.
Be Willing to Hit Pause
Speed is not always the best route for money. Be willing to take some additional time to work on your plan. It is easy to miss important facts when anxious about meeting your goals. Consider occasionally hitting pause to walk away from the situation to allow yourself to reengage with a clear mind.
Stay Prudent
It can be tempting to move onto other goals when you find money challenging or confusing. Don’t lose sight of the bigger picture and be willing to work through the challenges. Bring professionals into the situation so you can utilize their strengths around money. There is no failure in knowing where you struggle and getting the necessary help to achieve success.
Stand Firm
Money can get boring, especially when you feel intimidated by it. Stay true to your goals and stand firm on reaching your dreams. Don't let your emotions lose sight of where you want to go and how to get there.
Be Honest
It is easy to believe your money is better than it is. Feel free to dream big but be honest with yourself in your approach. Maintaining the proper perspective will allow you to reach your big dreams quickly. Keep up with your money to create the best approach moving forward.
Joe SampleThe following section describes more of Joe's financial keys to success based on the D/IC personality blend. Remember, you are a blend of ALL four personality traits (D, I, S and C).
Haste is Waste
Making hasty, impulsive decisions with money can bring unwanted outcomes and potential waste. Fight the urge to act quick. Take your time. Most money problems seem more dire than they are. Find help, if necessary, find the solution as required, and enjoy getting on the other side no matter how long it takes.
Be Adjustable.
Money is always active. Allowing yourself to adjust to the movement of money will allow you to handle financial challenges more efficiently. Review your situation frequently and make the necessary adjustments in your planning. Many roads can lead to the same place. Sometimes we need to look at the map differently.
Address the Stress
Doubt and fears can occupy your mind when financial challenges come your way. Internalizing such emotions can be harmful. Be proactive in dealing with those emotions and find someone to talk to. Sometimes talking out the problem is where you find the solution.
Remember to Enjoy Your Money
A rigid plan can lose sight of the here and now. Remember to enjoy the process by allowing yourself to enjoy some pleasure money can buy. It is ok to reward yourself and make it part of your plan.
Joe Sample
The following section describes Joe's financial tips to success based on the D/IC personality blend. These financial tips represent qualities resulting from blending the D, I, S and C personality traits. Remember, everyone is a unique blend of all four styles. In other words, everyone has some of each of the four major personality styles.
The Big Picture
You will work hard to reach your financial goals. You can enjoy the process while dealing with the details. Remember to keep a balance in your money. Keep sight of any potential help from others who can assist you. Allow them to hold you accountable to where you want to go and fill the gaps where you need assistance.
Preserve Your Mental Health
Being successful with money starts with having a positive financial mindset and the ability to preserve your mental health during times of financial stress. Allow yourself to celebrate your victories along the way. This will help reduce your stress and keep your emotions in check. Take your time in working through financial decisions and keep it simple. You can find joy in your money while you work to reach your goals.
Do Some Fact Finding
The best financial decisions are made when you have all of the information. You can handle the details. Sometimes it can get cumbersome and frustrating. Be patient. Don't be afraid to take a step back. Often a simple breakaway is all you need to find fresh eyes to see the little things that mean a lot.
Set Short Term Goals
Where you put your money to have it grow is based on when you anticipate your need to use it. The shorter the time frame, the more secure and flexible your money needs to be. Make a list (different areas) of your financial goals that you hope to achieve within the next 5 years. Then consider more secure options that fit a short-term time horizon.
Joe SampleThe following section describes more of Joe's financial tips to success based on the D/IC personality blend. Remember, you are a blend of ALL four personality traits (D, I, S and C).
Set Long Term Goals
The more time you have before you need to use your money, the more opportunity you may have to work for higher returns. Make a list (different areas) of your financial goals 5 years and beyond. Consider investment options that fit your specific long-term goals. Remember to visit them occasionally so you don't lose sight of them.
Do Some Financial Planning
A financial plan is a process of thinking through, writing it down, and then implementing the necessary steps you need to take to reach a financial goal. Plan your work and work your plan. Your ability to get results, enjoy the process, and deal with the details will assist in your pursuit of financial independence. Find a good balance and be patient. Allow yourself some flexibility and honesty in your planning. When help is needed, don't delay. Use your ability to build relationships as a part of the process.
Invest Carefully
Riskier investing can be enticing for you. Be sure to review the details of such an investment to know the real risk you are taking. Be ready to stay the course when your emotions tell you otherwise. Investing for higher returns can bring a lot of up-and-down movement with your money. A long-term mentality will serve you well. Find a trusted advisor that truly understands your goals.
Leave a Financial Legacy
A financial legacy can be defined as leaving a lasting impact on the lives of those you care about most based on the financial successes, great or small, that you have accomplished in your own life. Not only can that mean passing on financial wealth, but, most importantly, it means passing on your financial wisdom. There are many approaches to planning out your legacy. It can be challenging and can become confusing along the way. Don't allow yourself to walk away when it gets hard. Find the help that can develop a good approach to assist you in your success. Once it is done, allow the professionals to work with you in keeping it current. Regrets come with shortcuts. Plan it right, and celebrate your successes along the way.
Joe Sample
Risk Tolerance is often used in conversations about investing; the term relates to how much you can "stomach" or handle while watching your investments move up and down in value before it moves you to take action.
Risk Tolerance can also apply to the financial decisions you make every day. Some people may be willing to be more "AGGRESSIVE" in how they spend or invest money, whereas others may be more "CONSERVATIVE" in how they want to spend or invest money.
Often, the decision to be more aggressive versus more conservative in your spending and investing is not based on your financial ability but is your personality style that drives your decision-making process. When you understand this about your personality, increasing your financial awareness can help you make better financial decisions.
The goal of this report is to help you make better financial decisions by understanding how YOUR personality impacts your money.
The diagram below shows a scale of financial risk tolerance ranging from Conservative on the left to Moderate in the middle and Aggressive on the right. More details on each level follow on the next page.
Joe SampleHere are the descriptions of each investor risk tolerance level for your reference. Remember, this can apply to your spending habits as well.
| Scale Diagram | Risk Tolerance | Description |
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CONSERVATIVE | Conservative investors do not want to take risks. They are willing to accept little to no growth of their money to protect their original investment (principal). In short, low risk, low reward. |
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MODERATE CONSERVATIVE | Moderate Conservative investors want to protect their money but can accept a small degree of risk to get a slightly higher return. In short, moderate-conservative risk, moderate-conservative reward. |
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MODERATE | Moderate investors want to grow their money while keeping an eye on their original investment (principal). They often are described as “balanced” investors. In short, balanced-risk, balanced-reward. |
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MODERATE AGGRESSIVE | Moderately Aggressive investors primarily value higher long-term returns on their money and are willing to accept more risk. These investors believe higher long-term returns are more important than protecting their original investment (principal). In short, moderate-aggressive risk, moderate aggressive reward. |
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AGGRESSIVE | Aggressive investors accept higher risk levels of losing money in exchange for the highest potential for making returns. Their priority is more on making money vs. protecting their money. In short, aggressive risks, aggressive rewards. |
Joe SampleHere are the answers you provided on your risk tolerance assessment based on multiple choice options. You actual preferences may be slightly different than what is listed below. That is ok. Your selections provide some insight into your level of financial risk tolerance. The following page will show your risk tolernace scores.
Your main investment goal:
Protect the value of the portfolio. Lower return for safer investments.
What do you hope to earn on your long-term annual investments:
3% to 6%
Your expected reaction to a 10% decline in your portfolio:
I would be very concerned
How you would feel if your personal investment account earned 10% but the actual stock market earned 30%:
Satisfied you earned 10%
Based on invensting $100,000, you selected this range of high, normal and low expected values of your investment at the end of one year:
High = $117,000, Normal = $104,000, Low = $93,000
I am comfortable with putting money where I may frequently experience large declines in value if I may be able to earn higher returns:
Disagree
If I would invest, I would plan on taking my money out of my account:
0-5 years in a way that would meet my life expectancy
Joe SampleHere are your risk tolerance scores based on the answers you provided on your risk tolerance assessment. This feedback is intended to help you have a general sense of how your risk tolerance which influences the way you make finanacial decisions.
Risk Tolerance: Conservative (25 out of 120)
CONSERVATIVE
Conservative investors do not want to take risks. They are willing to accept little to no growth of their money to protect their original investment (principal). In short, low risk, low reward.
Joe Sample
Whether you are involved in a romantic, friendly, or business relationship, the potential for financial conflict with those of whom you share finances is likely from time to time. Not only is it important to understand your own personality but it can be crucial to understand other personality styles to resolve your differences and a return to financial harmony. The following diagram provides you with a deeper understanding of how each style tends to respond to conflict.
The D Style tends to use LOGIC and be ASSERTIVE. They can come across as Demanding. Their goal is Victory. Their biggest fear is Being Taken Advantage of.
The I Style tends to use FEELINGS and be ASSERTIVE. They can come across as EXPRESSIVE. Their goal is to gain Acknowledgement. Their biggest fear is Rejection.
The S Style tends to use FEELINGS and COMPLY. They can come across as wanting to COMPLY. Their goal is Harmony. Their biggest fear is Loss of Security.
The C Style tends to use LOGIC and COMPLY. They can come across as wanting to WITHDRAW. Their goal is Justice. Their biggest fear is Criticism.
Joe Sample
The following section describes how you tend to communicate and interact with others. Naturally, you like to communicate in a way that is most comfortable to you. Others may or may not understand you or your motivation. This page is designed to shed light on how your personality influences the way you communicate with others. Please note that the following statements include areas for growth.
Because you have a D/IC style blend, you communicate directly and tend to intensely engage others. Others may perceive you as being pushy, impatient and even critical. Because you have a D/IC style blend, you naturally prefer an environment that is results, people and detail-oriented. You typically are motivated by challenges, positive feedback and structure with the ability to be action-oriented. Remember: The key to your success is to have under-control actions. Get the results you desire by taking time to UNDERSTAND HOW OTHERS MAY FEEL.
Communication Tip: Communicate effectively and act intelligently by adapting your words and actions to the personality style of others.
Joe SampleWith DOMINANT
(D) Style People Emphasize: |
With INSPIRING
(I) Style People Emphasize: |
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With CAUTIOUS (C) Style
People Emphasize: |
With SUPPORTIVE (S)
Style People Emphasize: |
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Remember: Emphasize what others are interested in! |
Joe Sample
The Main Thing to Remember:
Joe, because your primary
style is D
Please remember to:
pace your presentation to their style.
Your Keys to Success:
Joe, when you are communicating with others, it is important to remember the other person may have a different personality style than you do. Consider your possible blind spots, and remember the following when you present:
1) Don't push.
2) Give him or her time to process and think.
3) Use softer tones.
Next, let's see how to relate to the 4 basic personality styles ...
Joe Sample
Joe, because your primary
style is D,
Please remember the following when communicating with a D-Style person:
1) Emphasize opportunities, results or solutions.
2) Look at the bottom line.
3) Be businesslike and direct.
INSIGHT: Be confident and sure of yourself. He or she may be forceful. Show strength. Be direct. Emphasize results. Remember to help this D-Style person feel that he or she is not being taken advantage of.
Joe Sample
Joe, because your primary
style is D,
Please remember the following when communicating with an I-Style person:
1) Emphasize enjoyment and people's success with your service.
2) Look at the recognition that he or she can receive with your information.
3) Be more friendly and upbeat.
INSIGHT: Be enthusiastic and complimentary. He or she may talk and exaggerate a lot. Listen and don't try to control the conversation or prove your point. Remember to help this I-Style person feel accepted, not rejected.
Joe Sample
Joe, because your primary
style is D,
Please remember the following when communicating with an S-Style person:
1) Emphasize team support.
2) Look at reliability and minimize challenges.
3) Be personable.
INSIGHT: Be sensitive. Let him or her share feelings. Don't interrupt. Let him or her finish talking before you talk. Remember to help this S-Style person feel secure.
Joe Sample
Joe, because your primary
style is D,
Please remember the following when communicating with a C-Style person:
1) Emphasize validating materials.
2) Look at and give time to analyze hard data.
3) Be patient and logical.
INSIGHT: Be factual and make sure of your facts. Ask for suggestions. Be open and respectful. Give details concerning problems. Be precise and methodical. Remember to not criticize or appear to criticize this C-Style person.
Joe Sample
The following are 4 different, real-life, financial situations. The goal of this exercise is for you to increase your financial awareness and to process how other styles might respond in each case. As you read each scenario, think about how you would naturally be inclined to respond. Then after a little more thought, think about how you could respond for better outcomes. Please write your responses on the line provided for ALL four styles referenced (D, I, S and C). If you need a reminder on what each DISC letter represents, please refer to page 4.
You and your spouse have been talking for a while about how fun it might be to start a business together. Although the conversations have been surfacy with no real business plan developed, you both feel it might be a good financial decision for the family one day. One morning over breakfast without any prior discussion, your spouse shares that they spent $20,000 out of the family emergency account to purchase the overhead needed to get the business up and running, leaving just $10,000 remaining in the account. You know that it has taken significant time to establish the emergency fund, so you are surprised to hear the news.
How would you FEEL in this situation if you have…
… A high D Style?
What would you SAY and DO in this situation if you have…
… A high D Style?
Joe SampleThe goal of this exercise is for you to increase your financial awareness and to process how other styles might respond in each case. As you read this scenario, think about how you would naturally be inclined to respond. Then after a little more thought, think about how you could respond for better outcomes. Please write your responses on the line provided for ALL four styles referenced. If you need a reminder on what each DISC letter represents, please refer to page 4.
You decided that you need to buy a new car. You do your due diligence and know exactly what kind of car you need and the amount of money you want to spend. Over the next couple of weeks, you spend time visiting dealers with the hopes of making a deal. You finally find the car you want and make the deal. Just as you were about to sign the finance agreement, you notice that the cost of the car is $697 MORE than the agreed price discussed.
How would you FEEL in this situation if you have…
… A high D Style?
What would you SAY and DO in this situation if you have…
… A high D Style?
Joe SampleThe goal of this exercise is for you to increase your financial awareness and to process how other styles might respond in each case. As you read this scenario, think about how you would naturally be inclined to respond. Then after a little more thought, think about how you could respond for better outcomes. Please write your responses on the line provided for ALL four styles referenced. If you need a reminder on what each DISC letter represents, please refer to page 4.
You have been working with an investment advisor for over 5 years. The relationship has been a positive experience. Never having invested before, you decide to give the advisor $10,000 to work with until you become more comfortable with investing. The account has been growing slowly but nothing to really brag about. One day you receive your quarterly statement showing that the account had a drastic turn downward, showing a loss of OVER $1,000! You call your advisor to talk about it and his response is simply, “You are fine! Don’t worry about it!”
How would you FEEL in this situation if you have…
… A high D Style?
What would you SAY and DO in this situation if you have…
… A high D Style?
Joe SampleThe goal of this exercise is for you to increase your financial awareness and to process how other styles might respond in each case. As you read this scenario, think about how you would naturally be inclined to respond. Then after a little more thought, think about how you could respond for better outcomes. Please write your responses on the line provided for ALL four styles referenced. If you need a reminder on what each DISC letter represents, please refer to page 4.
You have been wanting to take a dream vacation for years. Finances have been tight, and you really have not been able to put any money away to save for the trip. However, you knew if you really wanted to go you could borrow the money out of your retirement saving account to do so if the right opportunity presented itself. One day you get a phone call from the travel agency you spoke with 2 years ago about your dream. They said that they had the “deal of the century” for you that was exactly what you were looking for! They go on to say that this kind of deal never happens and that you need to act fast and decide within 3 days. Even though it is a great deal, you know that you are going to have to borrow a huge amount from your retirement account.
How would you FEEL in this situation if you have…
… A high D Style?
What would you SAY and DO in this situation if you have…
… A high D Style?
Joe SampleHere are the descriptions of financial styles for your reference.
D |
Financial Strength | Key to Financial Success | I |
Financial Strength | Key to Financial Success |
| Leave a Legacy | Take Control | Strive to Finish | Leave a Legacy | Proud Planner | Make it a priority |
| Strategic Planning | Risk Taker | Stay Patient | Strategic Planning | Excited | Finish what you started |
| Discovery | Straight Forward | Work through the details | Discovery | Involved | Be dedicated to the work |
| Protect / Secure | Optimistic | Use the Tools Available | Protect / Secure | Compassionate | Be realistic |
| Mindset | Strong Willed | Concentrate | Mindset | Calm / Cool | Focus on one thing at a time |
C |
Financial Strength | Key to Financial Success | S |
Financial Strength | Key to Financial Success |
| Leave a Legacy | Conscientious | Work with what you know | Leave a Legacy | Practical | Dedicated to the end |
| Strategic Planning | Orderly | Trust the process | Strategic Planning | Safety First | Remain Flexible |
| Discovery | No Stone Unturned | Believe it's all there | Discovery | Reliable | Be Confident in the details |
| Protect / Secure | Careful | Run your numbers | Protect / Secure | The More the Better | Stay Practical |
| Mindset | Exact | Try new ideas | Mindset | Steady | Trust yourself |
Joe Sample DOMINANT
(D) Financial Style: |
INSPIRING
(I) Financial Style: |
D-Styles tend to have a high tolerance for taking risks and getting things done. They are not afraid to step out to buy an investment for a quick return or to dive into a project regardless of the cost. Although their willingness to take chances has its advantages, they will do well to remember to take the time needed to think things through and communicate with those involved. |
I-Styles can be risk-takers who are prone to make financial decisions quickly on impulse or emotion. It helps when they take time to acquire the information necessary to make well-thought-out, intelligent decisions. They can ask for help and advice from those they know and trust. They will benefit from doing the necessary homework to succeed in financial decisions just like other areas of life. |
CAUTIOUS (C) Financial Style: |
SUPPORTIVE (S)
Financial Style: |
| C-Styles tend to be wise, conservative money managers. Their reserved and calculating nature causes them to move slowly and deal with financial issues in an intellectual manner, rather than an emotional manner. Their approach to every financial decision is to "measure twice and cut once." They will do well to remember that nothing is perfect. They can give themselves some grace as some financial decisions will need to be made on faith using the best available information on hand. | S-Styles are safe-minded, conservative money managers. They tend to make financial decisions based on the security or lack of security it provides for them and their loved ones. Their investments will also reflect this approach. S-Styles who stretch themselves to work on financial matters can provide opportunities for increased financial stability and growth. Money may not be a major focus for them but does allow them to take care of themselves and others. |
Remember: Each person has SOME of ALL four styles |
Joe SampleReview your 41 Financial, Your Mind Your Money DISC Report. Consider how understanding your financial personality can positively impact your finances. In your own words, write the answers to the following questions:
My Personality Type is (page 6):
What characteristic(s) of my personality can positively impact my finances (pages 11)?
What characteristics(s) of my personality do I need to consider when looking to improve financial success (page 12)?
What is my basic motivation style when dealing with my money (page 13)?
How does my financial priorities and decision style impact my money (page 15)?
Something I learned about my style I can use to improve my finances TODAY (pages 20-21).
Something I learned about my style I can use to improve my finances LONG-TERM (pages 20-21)
Something I learned about other styles that might improve how I respond to others of whom I have financial relationships (page 26).
What I learned about my style that can positively improve communicating with those whom I share finances (pages 27-32)?
Ways I can resolve financial conflicts with others of whom I have financial relationships (pages 27-32).
Joe Sample
Dear Joe,
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DISCLAIMER: This report is for educational and self-awareness purposes only. The content herein is based on general trait tendencies of the D/IC personality style. This report is NOT intended to provide data, advice or guidance for diagnostic, health, legal, financial, or psychological purposes. If such advice or data is required, then a qualified professional should be sought. All parties associated with this report are to be held harmless from any and all liabilities, demands, claims, actions or suits that may be asserted related to the use of information contained herein.
