Defaqto Engage risk profiling runs attitude to risk, capacity for loss, investor experience, suitability and ESG questionnaires, then tests the result against stochastic projections before the client agrees a level. Justification is recorded at each stage and carried into the report, and answers are checked for consistency. The agreed level then feeds cash flow, drawdown, research and switching, and reviews flag any plan whose own rating, based on volatility, has moved away from it.