Financial Personality Report for

Joe Sample

Provided by:

Personality Insights, Inc.
disc@personality-insights.com
770-509-7113
https://www.personality-insights.com

The "DISC" Model of Human Behavior

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 Financial Personality Report.

Words that Best Describe Joe

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!

A House of Financial Independence

Financial 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's Financial Strengths

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's Financial Strengths Cont.

The 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's Financial Keys to Success

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's Financial Keys to Success Cont.

The 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.

Risk Tolerance Introduction

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.

The Progressive Scale of Increasing Risk Tolerance

Risk Tolerance Levels for Reference Purposes

Here 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
	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.
	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.
	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.
	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.
	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.

Risk Tolerance Scores for Joe

Here 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's Financial Tips to Success

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's Financial Tips to Success Cont.

The 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. You may like the growth potential associated with certain sector-type investments that may bring fast success. Be sure to use good information to balance bold moves. Use your ability to review the details to justify risk. Find a trusted advisor who 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.

Graphs for Joe Sample

Environment Graph (How People See You)		Basic Graph ( The Real You)	Circle Graph (Basic at-a-glance)
	Very High High Avg. Above - Midline - Avg. Below Low Very Low
53     81     17     54		71     59     23     52	Blend = D/IC

Overview of Your Graphs

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.

Disclaimer

The information provided in this assessment is for educational purposes only and should not be construed as investment advise or recommendation to buy or sell specific investments products. Investing involves risk and the potential for loss of principle. Past performance is not guaranteed nor an indicator of future performance. Age, timeframes, and risk tolerance are just a few important factors that must be considered prior to making investment decisions. Consult a licensed financial professional to determine the appropriate investment for your personal situation.