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ABOUT NITROGEN

Invest with Clarity. Stay Aligned with Confidence.

At Lighthouse Wealth Advisors, we believe that every investment decision should reflect who you are, what you value, and where you're headed. That’s why we use Nitrogen—a powerful tool that helps you visualize your unique comfort with investment risk using an easy-to-understand Risk Number®. In just a few minutes, you’ll receive a score between 1 and 99 that highlights your personal risk tolerance. It’s a simple first step toward building an investment strategy that fits not just your goals—but also your peace of mind.

What Is a Risk Number<sup>&#174;</sup>?

What Is a Risk Number®?

Your Risk Number® measures how much risk you’re comfortable taking on in pursuit of potential returns. A higher number indicates a greater willingness to ride out market ups and downs, while a lower number reflects a preference for stability and protection.

Why Know Your Risk Number<sup>&#174;</sup>?

Why Know Your Risk Number®?

Once we know your Risk Number®, we can compare it to how your current portfolio is positioned—and make adjustments if needed to better align your investments with your personal comfort level and financial objectives.

Why Lighthouse Uses Nitrogen

We know many clients come to us feeling uncertain about their investments—not because they lack resources, but because they lack clarity. Nitrogen helps change that. It brings structure and insight into your portfolio conversations, helping you feel more confident, more prepared, and more aligned with your plan.

Risk Assessment

Discovering Your Number


Quickly learn your comfort zone for investment risk through a streamlined, personalized quiz.

Risk Assessment

Preparing for the Unexpected

See how your portfolio might react to real-world market events like the 2008 crisis or the COVID-19 downturn.

Scenario Planning

Aligning Strategy with Life

Explore different “what-if” scenarios to better tailor your investment plan to your timeline and tolerance.

Portfolio GPA®

Measuring Progress, Not Just Performance


Nitrogen's GPA® tool helps evaluate the efficiency of your portfolio by weighing both risk and potential reward.

FAQs About Nitrogen

  • Is there a cost to use Nitrogen?
    • No. We offer this tool as a complimentary service to our clients and prospective clients.
  • Do I need to be a Lighthouse client to take the quiz?
    • Nope. Anyone can take the Risk Number® quiz and gain insights into their risk tolerance.
  • What happens after I take the quiz?
    • We’ll walk through your results together, compare them to your current portfolio, and use what we learn to fine-tune your strategy.
  • Will my Risk Number® ever change?
    • Yes—it can, and it should. As your life, goals, or financial situation evolves, your comfort with risk may shift too. That’s why we revisit your Risk Number® during check-ins and planning reviews. It’s part of keeping your strategy relevant and aligned.
  • How is the Risk Number® different from traditional risk questionnaires?
    • Traditional risk assessments often rely on vague hypotheticals or generic categories. Nitrogen’s Risk Number® uses a dynamic, interactive approach that adapts based on your answers, delivering a more precise and meaningful picture of your actual risk appetite.
  • What if my current portfolio doesn’t match my Risk Number®?
    • That’s exactly what Nitrogen helps uncover. If there’s a disconnect between how you’re invested and how you actually feel about risk, we’ll walk you through your options. Our goal is to create a plan that reflects both your aspirations and your peace of mind.

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