Concentration Risk
We assess whether too large a proportion of your net worth is tied to a single asset, sector, counterparty, or jurisdiction — and model the downside scenarios that concentration creates under stress conditions.
Service · Risk Management
Are you carrying risks you cannot yet name?
Riverside Mercer's risk management process begins where most advisers stop — by mapping every exposure, not just the obvious ones.
Risk management as a discipline, not a disclaimer.
Most wealth managers attach a standard risk questionnaire to the onboarding process and call it risk management. We treat it as a primary discipline in its own right. For every client engagement, Riverside Mercer constructs a bespoke risk register that examines the full capital picture: concentration risk within a single sector or geography, counterparty risk in banking and custodial relationships, currency exposure on cross-border assets, liquidity risk in illiquid holdings, and the often-overlooked regulatory risk that arises from holding structures that pre-date recent EU legislative changes. This register becomes the foundation for every subsequent recommendation.
What the risk assessment covers.
A structured examination of six exposure categories every private client should understand.
Currency Exposure
For clients with assets, income, or liabilities in multiple currencies, we quantify the net FX position and evaluate whether existing hedges are proportionate, cost-effective, and actually aligned with your liability profile.
Counterparty & Custodial Risk
The institution holding your assets carries its own financial risk. We evaluate the credit quality, regulatory standing, and jurisdictional protections of your custodians, banks, and brokers independently.
Liquidity Mapping
Illiquid assets — private equity, real estate, locked insurance products — can create a liquidity trap in adverse conditions. We map your liquidity profile across time horizons from 30 days to ten years.
How the engagement works.
A risk management engagement with Riverside Mercer begins with a structured intake conversation — typically ninety minutes — followed by a documentation review period during which we examine custody statements, existing policies, legal ownership structures, and any cross-border arrangements. We then produce a written Risk Assessment Report, which is presented in a follow-up meeting and discussed in full before any mitigation recommendations are made. Clients are under no obligation to proceed further. Many use the report alone as a reference document when engaging other advisers, banks, or legal counsel. The process is entirely advisory; we do not hold custody over assets and we do not execute transactions.
“The risk report Riverside Mercer produced identified three exposures my previous advisers had never raised — including a currency mismatch between my Slovak property assets and my euro-denominated liabilities. The clarity of the document alone was worth the engagement fee.”
Jana P., Private Client, Košice
Understand your exposures before the market does.
Request a confidential risk assessment conversation with a senior Riverside Mercer adviser.