Scottish Equitable has urged the Government to treat decision trees with caution.
The life office warns that those for whom the decision tree is designed may not have the confidence and skill to use them effectively.
Scottish Life pensions development director Stewart Ritchie says: “If an individual makes a poor decision based on information given in the decision tree which has been tailored by an IFA, who will be held responsible. It is imperative that any customisation of decision trees is properly regulated.”