@jakeclaverqfop: Risk tolerance in crypto is not what it sounds like. Clients who hold 100 percent of their net worth in digital assets will say they are conservative investors. The first question is not about risk but goals. What does retirement look like and what cashflow do you need? From there, the plan works backward and has to work across all of it, for potentially 50 more years of living expenses. DWP provides the guidance but decisions stay with the client.