-Why do you suppose there is always a risk versus reward dilemma when investing? -Do you think your risk appetite will change throughout your investing life? Why or why not? -Given your current risk/reward appetite, give examples or your lowest and highest risk asset you would put in your portfolio. -What are some factors you think can add risk to the markets and what are some factors that can lower risk to the markets? -Based on your knowledge and experience do you think markets in general are currently more, less, or just as risky as historical norms? Any sectors less or more risky in your view?