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Pension wise
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You can spend 30 min and tick the yes I went to Pensionwise for "guidance" box.
Or you can insist on not doing it. And don't tick the box.
FCA make them push this at specified touch points. And keep records of it by customer. And report statistics on it. They really have no choice about it. Beyond that - they are not that bothered.
(Some) providers sample the population of people turning up and apply a risk tiered streaming to their review processes (so as not to apply maximum cost for high risk across all). Some insist on guidance calls of their own - for all or a subset of customers and transactions. Type of drawdown, size of pot, whether you have had advice or guidance, nothing identity adjacent obviously. Criteria to segment are limited.
Whether you like it or not. Not taking IFA advice. And not going to Pensionwise. Puts you "up a bit" on the risk scoring. It is not going to push you down is it.
Perhaps you are a pro investor and just want to transact. Or possibly you are overconfident in this domain as in all others "I know what I am doing and get out of my way - when I really don't - and I will be all sad later" category. Exactly the person where they want more evidence of checking to bat off your possible compo claims later. A risk team designed process designed for liabilities - not for customer experience.
It is what it is.
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