[Verse 1] Sarah's twenty-three with decades ahead to grow While Robert's fifty-nine, retirement's undertow She can stomach market swings, her salary stays intact He needs steady income streams, that's just the basic fact Time horizon shapes the game, short versus marathon Appetite for danger shifts when golden years have drawn [Chorus] Risk tolerance, time horizon Ability, willingness colliding Longer runway, bolder flying Shorter stretch means safer hiding Can you take it? Will you take it? Time decides if you can make it Risk tolerance, time horizon [Verse 2] Ability means cash reserves and income flowing free Emergency funds stacked high, no debt emergency But willingness runs deeper than the numbers on your sheet Some investors lose their sleep when portfolios compete Age and temperament combine with knowledge that you hold Young and fearless still needs wisdom, brave don't equal bold [Chorus] Risk tolerance, time horizon Ability, willingness colliding Longer runway, bolder flying Shorter stretch means safer hiding Can you take it? Will you take it? Time decides if you can make it Risk tolerance, time horizon [Bridge] Twenty years to ride the waves Equity allocation saves Five years means you hedge your bets Bonds protect what volatility threats Risk capacity measures what you can survive Risk tolerance reflects how you want to drive [Verse 3] Market crashes hurt less when recovery has room But if you're cashing out next year, that spells potential doom High-net-worth with decades still might choose the stable route While modest means with time to burn picks growth throughout Assessment questionnaires reveal the client's inner core Match investments to their soul, not someone else's score [Chorus] Risk tolerance, time horizon Ability, willingness colliding Longer runway, bolder flying Shorter stretch means safer hiding Can you take it? Will you take it? Time decides if you can make it Risk tolerance, time horizon [Outro] Time and temperament align Draw the client's bottom line Risk tolerance, time horizon
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