Larry Shumbres is CEO of Totum Risk. Founded in 2015 by FinTech industry veterans, Totum Risk brings a comprehensive understanding of risk to wealth management. Having worked with the largest pension, endowment, and sovereign wealth funds in the world, we observed that the best institutional investors all had a thorough understanding of risk, but most individual investors did not. We began researching why there was a discrepancy and discovered that a risk tolerance tool that accurately calculated personal risk exposure simply did not exist. This led to the inception of Totum.