There is value and certainty to what we do.

According to RG 146, the skills requirements as set out in Appendix B are as follows:

1. Establish relationship with client.

2. Identify client objectives, needs, and financial situation.

3. Analyse client objectives, needs, financial situation and risk profile.

4. Develop appropriate strategies and solutions.

5. Present appropriate strategies and solutions to the client.

6. Negotiate financial plan/policy/transaction with the client.

7. Coordinate implementation of agreed plan/ policy/transaction.

8. Complete and maintain necessary documentation.

9. Provide ongoing service (optional at discretion of client)

.(ASIC 2012,pp. 54–55)

As I have always actioned & as I learn from our continuing study today.

These are the expectations & it is a long process & there is value in what we do .

We add certainty to the DIY.

John McAuliffe