Tom wants to accumulate wealth, but he has told his financial planner that he is risk-averse. What should the planner advise Tom to do regarding his current asset investment choices, considering his risk tolerance and his goal of accumulating wealth?

a. Invest in products which bring the highest return regardless of risk b. Invest in products producing high income because fixed income products are generally safe c. Put his assets in 100% cash equivalents d. Determine his risk tolerance