How to weed out provider bias in ATR tools

This website carried an article recently exploring whether attitude to risk (ATR) profilers are "regulatory tickboxing" or "planning essential". The consensus was clear: an ATR tool can add value to the advice process but it supports advice and does not replace the need for an adviser. Tools that can help facilitate a discussion about different types of risk - for example: risk tolerance, risk required, risk capacity and even risk composure - can help engage customers with the advice process, as well as help towards ensuring a suitable outcome, but the wider conversation is key. Advisers...