Financial Advisers and Solicitors have to protect the quality of their advice by ensuring all options available to a client are considered before deciding upon the final recommendation.
"The first priority is always to protect the Quality of Advice"
Contrary to popular belief and practice, a client with a risk-based Attitude to Risk does not mean they MUST have a risk-based solution.
If a client can meet their financial objectives without having to take any risk, it is this solution that must be recommended. Otherwise, the advice is unsuitable.
The ONLY way to prove that a client cannot meet their financial objectives without a risk-based solution (i.e. in cash) is to demonstrate the maximum value that can be obtained from cash.
Measuring a client's Attitude to Risk is actually worthless until the client is sure they need to undertake a risk-based solution.