Discovery Form | Bayfall Morrigan

Question 01 Select One

When you commit money to a fixed-term account, how long do you generally prefer the term to last?

I prefer shorter terms. I like to see a resolution quickly and decide what to do next. I'm comfortable with a moderate timeline. I'm comfortable committing for longer periods if the outcome justifies it. It depends on the specific opportunity. I evaluate each one on its own terms.

Question 02 Select All That Apply

When a fixed-term account completes and your capital is returned, what do you typically do with it?

Roll it back into a similar structure Move it into a different type of opportunity Set it aside as savings Use it toward a personal goal or project It varies. I decide when the time comes.

Question 03 Select One

How would you describe the consistency of the income that supports your allocations into investments or fixed-term structures?

My investment allocations are supported by a reliable and predictable income foundation that allows for consistent funding into financial instruments and fixed-term structures. My allocation capacity is sustained by income that remains generally stable, though contribution levels may adjust modestly over time. My ability to fund investments is tied to income that varies across periods, resulting in allocation levels that expand or contract accordingly. I already have a dedicated pool of deployable capital and I'm not relying on ongoing income to fund allocations.

Question 04 Select All That Apply

Have you used any of the following before? Select everything that applies, even if it was informal.

Certificates of Deposit (CDs) Bonds or Treasury Notes Promissory notes or private loan agreements Installment plans or layaway Loaned money to someone on agreed terms None of the above. This would be my first experience with something like this.

Question 05 Select One

Once your money is committed and working inside a fixed-term account, how do you typically feel about that period?

I prefer to set it and not think about it. I'll check back when it's done. I like knowing it's working, but I don't need updates. I just want the result. I'm comfortable with it, but I'd appreciate knowing I can check in if I wanted to. I prefer shorter commitments specifically because I don't love the feeling of unresolved capital.

Question 06 Rank in Order

When you look back on a completed fixed-term account, what makes you feel like it was worth it?

Drag to rank — most important at the top

1The percentage rate I earned

2The total dollar amount I walked away with

3How smooth and predictable the experience was

4Whether everything went exactly as expected

Question 07 Select One

In the context of your current financial situation, how would you describe an allocation into a fixed-term account like the one Bayfall Morrigan offers?

An initial step. I want to try it out before committing more seriously. One of several moves I'm making — this would be part of a broader strategy. A primary allocation — this would be a significant part of what I'm doing right now. I'm still figuring that out — it depends on what the structure looks like.

Question 08 Scale 1 – 5

If an account performed exactly the way you expected, how likely are you to open another one?

1 — Very unlikely 3 — Neutral 5 — Very likely

3 / 5

Question 09 Select One

How do you typically fund your financial commitments — do you prefer to move in a lump sum when you're ready, or build into something gradually?

I prefer to commit everything at once. I don't like drawn-out entry processes. I like the idea of building gradually. It feels more manageable. It depends on the amount. Larger commitments I might prefer to build into. I'd go with whatever the structure calls for.

Question 10 Select One

When reviewing a financial agreement, how do you typically feel about an upfront structuring or administrative cost, assuming the overall return is strong?

It's standard. Structuring a deal has costs and I factor it into my evaluation. I'm neutral. If the net result is good, the upfront cost doesn't bother me. I'd want to understand exactly what it's for before I'm comfortable with it. I generally push back on upfront fees. I prefer costs to come out of the return at the end.

Question 11 Rank Top 3

What are the three most important things you look for before committing to a fixed-term account structure?

Drag to order — your top three positions carry the most weight

1The rate or yield being offered

2The length of the commitment

3The reputation or track record of who I'm working with

4How clearly the terms are laid out

5The total dollar amount I'd walk away with

6Flexibility or exit options if something changes

7How simple and straightforward the process is

Question 12 Select One

When you evaluate whether a financial opportunity is performing well, what do you naturally focus on first?

The rate. I think in percentages and compare across opportunities. The total dollar result. I care about what I actually walk away with. The full picture. I look at rate, timeline, and costs together before forming an opinion. Whether it went exactly as described. Predictability matters most to me.

Question 13 Select One

Take a look at these two account structures. Which feels more favorable?

Account A

3-Month Term · Lump sum · Fixed rate · Simple structure · Modest return at completion.

Account B

6-Month Term · Lump sum · Fixed rate · Longer commitment · Significantly higher total return.

Account A feels more favorable Account B feels more favorable Neither. I'd want to see the specific numbers before deciding.

Question 14 Select All That Apply

In the hypothetical that the following was an account being offered to you, what would you look to adjust or negotiate, if anything?

A lender commits $1,500 into a fixed 3-month lending agreement. A 6.5% origination fee is applied at the start for structuring the agreement. The remaining balance earns a fixed rate that compounds monthly. At completion, the lender receives $1,701.70 — the original capital plus $231.71 in growth.

I'd negotiate the origination fee I'd push for a higher return on the same term I'd want a longer term for a better total return The return is good enough for the term. I wouldn't change anything — this looks fair to me I'd want to understand the origination fee better before deciding

Question 15 Select One

If a more complex account structure offered you a meaningfully better return, how would you typically react?

I'd be interested — better returns justify a more involved process. It depends on how much better — I'd need the difference to be significant. I'd lean toward the simpler option — I value straightforward over optimized. I'd want to fully understand the complexity before deciding.

Question 16 Select One

If you had to choose between these two outcomes, which would feel more satisfying?

A shorter commitment with a solid rate, completed quickly and cleanly. A longer commitment with a higher rate and a significantly larger total payout. It depends entirely on what the numbers actually are.

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