Needed an article on methods to determine individual risk appetite and profile to allow them to make investment decisions.

I am writing an article for a free magazine as a subject matter expert contributor. I have a background in financial audit for 5 years and have a postgraduate degree in finance. I want an article written on the various models and methods used for determining the risk appetite and profile of an individual so as to allow him/her to made good investment decisions. The article should explore a minimum of 5 methods, give examples and also illustrations. the article should address four age groups in the illustrations 25-20, 30-40, 40-50 and 50-60. The minimum word count required is 10000 words and the maximum is 14000 words. The article should also provide links to free resources available on the web to address these issues.