CMFAS M8A Disclosure & Suitability for Complex CIS question: conflict with risk capacity/tolerance

'Risk required' (the return/risk a client needs to meet their goal) can conflict with risk capacity/tolerance. When it does, the adviser should:

• A Take the higher risk needed to reach the goal, as the goal comes first
• B Discuss the trade-off, not simply take more risk than the client can bear
• C Set aside the client's goal and invest in line with the risk tolerance alone
• D Recommend the highest-return product and document the client's goal