<![CDATA[The interaction between risk communication and risk perception plays a pivotal role in shaping financial decision-making, particularly in complex investment environments. Traditional financial advice often emphasizes assessing clients' risk tolerance while overlooking how the communication of risk information influences clients' perception of potential losses and uncertainties. The analysis examines the effectiveness of conveying financial risks in the perception of risk by investors and thus their decisions to invest. This analyzed on the direct and indirect effects of risk education on allocation to risky assets based on risk perception based on survey respondents of 465 financial adviser clients. The respondents were asked to complete structured questionnaires on risk communication quality (RCQ), risk perception (RP), investment choice (IC), Emotional Response to Risk (ERR) and Information Seeking Behavior (ISB). SPSS version 27 was used to analyze the data, and regression, correlation, and descriptive statistics were used to investigate associations between the variables. The results indicate that the Clear risk communication (b = 0.420, r = 0.52) contributes to the financial decision-making, the most help of risk perception (b = 0.310) and investment choices (b = 0.365) and moderate effects of emotional response (b = 0.180) and information seeking behavior (b = 0.250). In addition to this, the study proposed Risk Perception using Logistic Regression (RPLR) based Adaptive Satin Bowerbird optimization (ASBO) model for analyzing the risk communication and risk perception. Risk communication significantly impacts financial decisions, with clarity of communication boosting decision quality. The relationship between communication and perception is confirmed in direct and indirect effects. Development and implementation of proper strategies enhance the informed decision making, risk management and investment returns.]]>
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