The standard risk review ends with a long document. Forty findings, each one marked high, medium or low. The client reads the first page, feels overwhelmed and files the rest.
I built the RMOS Risk Index to fix that. The goal is simple: make risk comparable, rankable and trackable.
Same risk, different weight
A key person leaving is a modest problem for a family with a salaried household and a serious problem for a business that depends on one individual. A condo board and a warehouse owner both face storm risk, but they pay for it and recover from it in very different ways. A good method has to reflect that, so the weights change by client type.
One number, with the work shown
The score runs from 0 to 1000. The number alone is not the point. The useful part is seeing which categories drive it, so the client knows where the next hour or the next dollar does the most good.
What a score cannot do
A score is a decision tool. It is not an insurance quote, a prediction or a guarantee. It is only as good as the information behind it, which is why I document sources and assumptions and show how each category contributed.
Why track it
When you review again after acting on the findings, the number should move for a reason you can name. That is the proof the work did something.
If you want to see how it works, the Our Method page walks through it step by step.
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