Course Title: Determine client financial requirements and expectations

Part B: Course Detail

Teaching Period: Term1 2016

Course Code: BAFI5217C

Course Title: Determine client financial requirements and expectations

School: 650T Vocational Business Education

Campus: City Campus

Program: C5343 - Diploma of Financial Planning

Course Contact : Callie Harvey

Course Contact Phone: +61 3 9925 5772

Course Contact Email:callie.harvey@rmit.edu.au

Name and Contact Details of All Other Relevant Staff

Mr Michael Elliot

+61 3 9925 5519<o:p></o:p>

michael.elliot@rmit.edu.au<o:p></o:p>

Nominal Hours: 60

Regardless of the mode of delivery, represent a guide to the relative teaching time and student effort required to successfully achieve a particular competency/module. This may include not only scheduled classes or workplace visits but also the amount of effort required to undertake, evaluate and complete all assessment requirements, including any non-classroom activities.

Pre-requisites and Co-requisites

None

Course Description

This unit describes the skills and knowledge required to determine the financial requirements and expectations of clients. It encompasses informing clients of the financial planning process and service, obtaining relevant information on their existing financial situations and expectations with respect to the financial planning service offered by the representative, and preparing and updating necessary documentation.

It applies to individuals who manage relationships with clients and colleagues and use specialised knowledge and systematic approaches to determine a customised service.Work functions in the occupational areas where this unit may be used are subject to regulatory requirements. Refer to the FNS Implementation Guide Companion Volume or the relevant regulator for specific guidance on requirements.

National Codes, Titles, Elements and Performance Criteria

National Element Code & Title:	FNSFPL506 Determine client financial requirements and expectations
Element:	1. Inform client of financial planning process and services
Performance Criteria:	1.1 Explain to client financial planning process and role, and any limits of authority of representative 1.2 Explain to client organisation’s licensees, principals, services and capacity, including any relationship to other financial services 1.3 Explain fees and charges to client and confirm client’s understanding of these before proceeding with delivery of service 1.4 Identify clients with special needs and take appropriate action or make referral 1.5 Explain procedures for internal and external complaints handling and resolution to client
Element:	2. Obtain relevant information on client’s existing financial situation
Performance Criteria:	2.1 Obtain and confirm facts and information relevant to client’s particular service request 2.2 Identify client expectations, requirements and objectives, and encourage client to disclose relevant information to determine client’s personal financial situation and any special needs 2.3 Obtain relevant information on investments and assets held by client, and client’s current income, expenditure and liabilities situation 2.4 Develop summary analysis of client’s financial position based on extent of client disclosure and requirements 2.5 Accurately and consistently identify risk and fraud indicators, and check all information for consistency and potential conflict
Element:	3. Determine client expectations and requirements with respect to financial planning service offered by representative
Performance Criteria:	3.1 Encourage client to express and clarify expectations from financial planning process, and identify and promptly and appropriately respond to any concerns 3.2 Establish client’s income and investment needs, preferences and priorities 3.3 Explore risk issues and tolerance comprehensively and ethically with client 3.4 Determine that service being sought is within capability and authority of authorised representative 3.5 Refer to another internal representative if service required by client is beyond scope of representative 3.6 Seek specialist advice where necessary or refer client to appropriate personnel or organisation where required services are not available or cannot be provided by the practice
Element:	4. Prepare and update necessary documentation where required
Performance Criteria:	4.1 Document and check with client all relevant client facts, information and financial and personal histories, and manage confidentially in accordance with company policy and guidelines, and relevant legislation and industry codes of practice 4.2 Create or update client records when necessary 4.3 File client documentation, information and histories in format and location that is readily accessible

Learning Outcomes

Details of Learning Activities

A range of learning activities are planned for this course including self-paced and collaborative classroom based activities.

The self-paced activities will be delivered thought various technology platforms and include your contribution to wikis and discussion threads, reflective journals, quizzes and interactive sessions.

The collaborative classroom based activities will include group discussion, group problem solving activities and opportunities to practice your skills in a simulated/real workplace environment.
We expect you to participate and contribute in all scheduled learning activities.

Teaching Schedule

Induction Session

Prior to training commencement a program level induction session will be conducted that comprises the following:

Program overview and requirements
MyRMIT/Blackboard
Overview of assessment requirements
Pre-Training Review including:

Recognition of Prior Learning and Credit Transfers
Assessment of current skills and knowledge

Competency/Grading Criteria
Plagiarism
Appeals
Extensions
Feedback
Privacy
Submission requirements
Resubmission policy
Where to get support
Student responsibilities

The Teaching Schedule for this course is as follows but please note that it is subject to change.

The nominal hours associated with this are a guide only and represent the total teaching time and student effort required to successfully complete the course. This may include not only scheduled classes but also the amount of effort required to undertake, evaluate and complete all assessment requirements, including any non-classroom activities.

Learning Resources

Prescribed Texts

References

Other Resources

Overview of Assessment

In order to achieve competency in this unit, you must provide:

Performance Evidence

Evidence of the ability to:

clearly inform clients of the financial planning process and services
obtain all relevant information on clients’ existing financial situation
determine client expectations and requirements with respect to the financial planning service offered by the representative
comply with relevant legislation and regulations, and organisational operating policy and procedures
accurately record information and make summary analysis.

Knowledge Evidence

To complete the unit requirements safely and effectively, you must:

discuss appropriate financial industry sales and marketing techniques
explain the protocols to be complied with in dealing with clients with special needs
outline the key issues relating to:

the current economic climate and outlook
local and international financial markets and investments

explain financial product service terms and conditions
explain indicative fees and charges
explain the interactions between different providers of the financial planning service and their accountabilities
describe authorities and assistance able to be offered by other advisers and organisations
discern between and describe what different providers can and cannot do within the financial planning service required by the client
outline the steps in a referral process to other advisers or organisations
describe the key stages in internal and external complaint handling processes
outline the steps and processes involved in the preparation of financial plans
describe the key features of relevant organisational policy, procedures and requirements
identify risk and fraud indicators.

Assessment Conditions

Assessment must be conducted in a safe environment where evidence gathered demonstrates consistent performance of typical activities experienced in the financial planning field of work and include access to:

office equipment, technology, software and consumables.

You are advised that you are likely to be asked to personally demonstrate your assessment work to your teacher to ensure that the relevant competency standards are being met.

Feedback

Feedback will be provided throughout the semester in class and/or online discussions. You are encouraged to ask and answer questions during class time and online sessions so that you can obtain feedback on your understanding of the concepts and issues being discussed. Finally, you can email or arrange an appointment with your teacher to gain more feedback on your progress.

You should take note of all feedback received and use this information to improve your learning outcomes and final performance in the course.

Assessment Tasks

Overview of Assessment

This course is co-delivered and co-assessed with the following competencies:

FNSCUS505 Determine client Requirements and expectations

FNSCUS506 Record and implement client instrucitons

Critical Aspects of assessment are described above in the performance evidence for this course.

The assessments for this course have been designed to allow participants apply their learning to particular simulated work scenarios and demonstrate their competence in a variety of ways.

Task 1 - In Class Assessment (Week 4)<o:p></o:p>

For this Assessment Task you are required to demonstrate your knowledge by completing an closed book in class assessment comprised of a series of multiple choice on establishing Client Relationships.

The assessment comprises 25 multiple-choice theory style questions. The purpose of this task is to assess your understanding of the concepts and issues included in the topics covered in weeks 2 and 3. The duration of the assessment is one hour.

This assessment will take place during your normal scheduled class time.<o:p></o:p>

Task 2 – Project (Due date: Week 14) <o:p></o:p>

The assessment will be in the form of a written presentation.

The purpose of the assessment is to enable you to demonstrate a breadth of understanding across all of the course material at an independent level. It assesses the knowledge you have obtained through undertaking the topic, your communication skills in presenting that knowledge and your problem-solving skills in answering the questions posed.

The assessment will be available on Blackboard in Week 3 and your teacher will provide you with guidance. You will have the opportunity to seek advice from your teacher on a number of check points throughout the semester. <o:p></o:p>

TASK 3 - In Class Assessment (Week 11)<o:p></o:p>

For this Assessment Task you are required to demonstrate your knowledge by completing a closed book in class assessment comprised of a series of theoretical and practical questions including short answer and mini case studies. The purpose of this task is to assess your understanding of the concepts and issues included in the topics from weeks 2 to 9. This assessment will take place during your normal scheduled class time. <o:p></o:p>

You must successfully complete all assessment tasks to achieve competency.

Assessment Matrix

Other Information

Submission Requirements

You should:

• Ensure that you submit assessments on or before the due date.
• Always retain a copy of your assessment tasks. (hard copy and soft copy)
• When you submit work for assessment at RMIT University you need to use a cover sheet that includes a declaration and statement of authorship. You must complete, sign and submit a cover sheet with all work you submit for assessment, whether individual or group work. On the cover sheet you declare that the work you are presenting for assessment is your own work. An assignment cover sheet for submission of each assessment task is available on blackboard.
• Each page of your assessment should include footer with your name, student number, the title of the assessment, unit code and title and page numbers. For example, Callie Harvey, 324567, Task 2, OHS2345C Ensure safe workplace, Page 1 of 10.

Late Submission Procedures

You are required to submit assessment items and/or ensure performance based assessment is completed by the due dates.

If you are prevented from submitting an assessment item on time, by circumstances outside your control, you may apply in advance to your teacher for an extension to the due date of up to seven calendar days. <check links are still current>

More Information: http://www.rmit.edu.au/students/assessment/extension

Form to use: http://mams.rmit.edu.au/seca86tti4g4z.pdf

Where an extension of greater than seven days is needed, you must apply for special consideration. Applications for special consideration must be submitted no later than two working days after the assessment task deadline or scheduled examination. <check links are still current>

More Information: http://www.rmit.edu.au/browse;ID=g43abm17hc9w

Form to use: http://mams.rmit.edu.au/8a5dgcaqvaes1.pdf

Resubmissions (VET Programs):

If you are found to be unsuccessful in a Course Assessment Task you will be allowed one resubmission only. Your teacher will provide feedback regarding what you need to do to improve and will set a new deadline for the resubmission. The highest grade you will receive if your resubmission is successful is “CAG”.

If you are still not meeting the assessment requirements you must apply to your Program Manager in writing outlining the steps you will take to demonstrate competence in your course. Your submission will be considered by the Program Team and you will be advised of the outcome as soon as possible.

Adjustments to Assessment

In certain circumstances students may be eligible for an assessment adjustment. For more information about the circumstances under which the assessment arrangements might be granted please access the following website: <check link is still current>
More Information: http://rmit.edu.au/browse;ID=7usdbki1fjf31

Marking Guide (Competency):

You must demonstrate that you have all the required skills/knowledge/elements in the unit of competency you are studying.

You will receive feedback on each assessment task that will inform you about your progress and how well you are performing.

Marking Guide (Grading)

After achieving competency we then grade your performance in the unit and you will achieve one of the following grades:

Final Grades table:

CHD Competent with High Distinction
CDI Competent with Distinction
CC Competent with Credit
CAG Competency Achieved – Graded
NYC Not Yet Competent
DNS Did Not Submit for assessment

Further information regarding the application of the grading criteria will be provided by your teacher.

Course Overview: Access Course Overview

Course Title: Determine client financial requirements and expectations

Part B: Course Detail

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<font face="Times New Roman" size="3"> </font> Week No.<o:p></o:p> <font face="Times New Roman" size="3"> </font>	<font face="Times New Roman" size="3"> </font> Date Week Begins<o:p></o:p> <font face="Times New Roman" size="3"> </font>	<font face="Times New Roman" size="3"> </font> Topic:<o:p></o:p> <font face="Times New Roman" size="3"> </font>	<font face="Times New Roman" size="3"> </font> Activities and tasks<o:p></o:p> <font face="Times New Roman" size="3"> </font>
<font face="Times New Roman" size="3"> </font> 1<o:p></o:p> <font face="Times New Roman" size="3"> </font>	<font face="Times New Roman" size="3"> </font> 08/02/16<o:p></o:p> <font face="Times New Roman" size="3"> </font>	<font face="Times New Roman" size="3"> </font> Introduction to the course including:<o:p></o:p> <font face="Times New Roman" size="3"> </font> · Course requirements and support documents/resources<o:p></o:p> <font face="Times New Roman" size="3"> </font> · Course Blackboard access<o:p></o:p> <font face="Times New Roman" size="3"> </font> · Accuracy of enrolment<o:p></o:p> <font face="Times New Roman" size="3"> </font> · Assessment requirements/Cover Sheets<o:p></o:p> <font face="Times New Roman" size="3"> </font> · Reminder re Plagiarism/Appeals<o:p></o:p> <font face="Times New Roman" size="3"> </font> · Extensions/Resubmissions<o:p></o:p> <font face="Times New Roman" size="3"> </font> · Feedback in this course<o:p></o:p> <font face="Times New Roman" size="3"> </font> · Getting help<o:p></o:p> <font face="Times New Roman" size="3"> </font>	<font face="Times New Roman" size="3"> </font> <o:p> </o:p> <font face="Times New Roman" size="3"> </font>
<font face="Times New Roman" size="3"> </font> 2<o:p></o:p> <font face="Times New Roman" size="3"> </font>	<font face="Times New Roman" size="3"> </font> 15/02/16<o:p></o:p> <font face="Times New Roman" size="3"> </font>	<font face="Times New Roman" size="3"> </font> Establish the Client Relationship: Part 1 - Overview – Keys to Successful Financial Advising, Part 2 -The Client’s Perspective<o:p></o:p> <font face="Times New Roman" size="3"> </font> Self –paced activities (Power points and Workbooks)<o:p></o:p> <font face="Times New Roman" size="3"> </font>	<font face="Times New Roman" size="3"> </font> <o:p> </o:p> <font face="Times New Roman" size="3"> </font>
<font face="Times New Roman" size="3"> </font> 3<o:p></o:p> <font face="Times New Roman" size="3"> </font>	<font face="Times New Roman" size="3"> </font> 22/02/16<o:p></o:p> <font face="Times New Roman" size="3"> </font>	<font face="Times New Roman" size="3"> </font> Establish the Client Relationship: Part 3 – Financial Planning Process, Part 4 – Step one – Data Gathering, <o:p></o:p> <font face="Times New Roman" size="3"> </font> Self –paced activities (Power points and Workbooks)<o:p></o:p> <font face="Times New Roman" size="3"> </font>	<font face="Times New Roman" size="3"> </font> Assessment Task 2 available on Blackboard <o:p></o:p> <font face="Times New Roman" size="3"> </font>
<font face="Times New Roman" size="3"> </font> 4<o:p></o:p> <font face="Times New Roman" size="3"> </font>	<font face="Times New Roman" size="3"> </font> 29/02/16<o:p></o:p> <font face="Times New Roman" size="3"> </font>	<font face="Times New Roman" size="3"> </font> Establish the Client Relationship: Part 5 – Concluding the Data Gathering Interview<o:p></o:p> <font face="Times New Roman" size="3"> </font> Self –paced activities (Power points and Workbooks)<o:p></o:p> <font face="Times New Roman" size="3"> </font> <o:p> </o:p> <font face="Times New Roman" size="3"> </font>	<font face="Times New Roman" size="3"> </font> Assessment Task 1<o:p></o:p> <font face="Times New Roman" size="3"> </font>
<font face="Times New Roman" size="3"> </font> 5<o:p></o:p> <font face="Times New Roman" size="3"> </font>	<font face="Times New Roman" size="3"> </font> 07/03/16<o:p></o:p> <font face="Times New Roman" size="3"> </font>	<font face="Times New Roman" size="3"> </font> Identify Client Objectives: Part 1 – Introduction - Identify Client Objectives, Part 2 - Identify Client Objectives, Part 3 – Client Risk Profiles<o:p></o:p> <font face="Times New Roman" size="3"> </font> Self –paced activities (Power points and Workbooks)<o:p></o:p> <font face="Times New Roman" size="3"> </font>	<font face="Times New Roman" size="3"> </font> <o:p> </o:p> <font face="Times New Roman" size="3"> </font>
<font face="Times New Roman" size="3"> </font> 6<o:p></o:p> <font face="Times New Roman" size="3"> </font>	<font face="Times New Roman" size="3"> </font> 14/03/16<o:p></o:p> <font face="Times New Roman" size="3"> </font>	<font face="Times New Roman" size="3"> </font> Cash Flow and Debt: Part 1 – Cash Flow – Introduction, Part 2 - Preparing Cash Flow Statements<o:p></o:p> <font face="Times New Roman" size="3"> </font> Self –paced activities (Power points and Workbooks)<o:p></o:p> <font face="Times New Roman" size="3"> </font>	<font face="Times New Roman" size="3"> </font> <o:p> </o:p> <font face="Times New Roman" size="3"> </font>
<font face="Times New Roman" size="3"> </font> 7a<o:p></o:p> <font face="Times New Roman" size="3"> </font>	<font face="Times New Roman" size="3"> </font> 21/03/16<o:p></o:p> <font face="Times New Roman" size="3"> </font>	<font face="Times New Roman" size="3"> </font> Cash Flow and Debt: Debt – Introduction, Part 4 - Use of Debt, Part 5 - Using debt to fund investment<o:p></o:p> <font face="Times New Roman" size="3"> </font> Self –paced activities (Power points and Workbooks)<o:p></o:p> <font face="Times New Roman" size="3"> </font>	<font face="Times New Roman" size="3"> </font> Task 2 - Check Point<o:p></o:p> <font face="Times New Roman" size="3"> </font>
<font face="Times New Roman" size="3"> </font> 24/03/16 to 30/03/16 - Mid-Semester Break<o:p></o:p> <font face="Times New Roman" size="3"> </font>
<font face="Times New Roman" size="3"> </font> 7b<o:p></o:p> <font face="Times New Roman" size="3"> </font>	<font face="Times New Roman" size="3"> </font> 28/03/16<o:p></o:p> <font face="Times New Roman" size="3"> </font>	<font face="Times New Roman" size="3"> </font> Cash Flow and Debt: Debt – Introduction, Part 4 - Use of Debt, Part 5 - Using debt to fund investment<o:p></o:p> <font face="Times New Roman" size="3"> </font> Self –paced activities (Power points and Workbooks)<o:p></o:p> <font face="Times New Roman" size="3"> </font>	<font face="Times New Roman" size="3"> </font> Task 2 - Check Point<o:p></o:p> <font face="Times New Roman" size="3"> </font>
<font face="Times New Roman" size="3"> </font> 8<o:p></o:p> <font face="Times New Roman" size="3"> </font>	<font face="Times New Roman" size="3"> </font> 04/04/16<o:p></o:p> <font face="Times New Roman" size="3"> </font>	<font face="Times New Roman" size="3"> </font> Wealth Creation: Part 1 – Introduction - Risk Management, Part 2 - Risk, Return and Diversification, Part 3 - Asset Allocation and Risk Tolerance<o:p></o:p> <font face="Times New Roman" size="3"> </font> Self –paced activities (Power points and Workbooks)<o:p></o:p> <font face="Times New Roman" size="3"> </font>	<font face="Times New Roman" size="3"> </font> <o:p> </o:p> <font face="Times New Roman" size="3"> </font>
<font face="Times New Roman" size="3"> </font> 9<o:p></o:p> <font face="Times New Roman" size="3"> </font>	<font face="Times New Roman" size="3"> </font> 11/04/16<o:p></o:p> <font face="Times New Roman" size="3"> </font>	<font face="Times New Roman" size="3"> </font> Wealth Creation: Part 4 - Compound Interest and the Time Value of Money (Future value), Part 5 - Compound Interest and the Time Value of Money (present value), Part 6 - Multiple Cash Flows and Annuities, Part 7 – Other Wealth Creation Concepts<o:p></o:p> <font face="Times New Roman" size="3"> </font> Self –paced activities (Power points and Workbooks)<o:p></o:p> <font face="Times New Roman" size="3"> </font>
<font face="Times New Roman" size="3"> </font> 10<o:p></o:p> <font face="Times New Roman" size="3"> </font>	<font face="Times New Roman" size="3"> </font> 18/04/16<o:p></o:p> <font face="Times New Roman" size="3"> </font>	<font face="Times New Roman" size="3"> </font> Personal Taxation: Part 1- Introduction – Taxation, Part 2 - Personal Exertion Income, Part 3 – Deductions and Tax Offsets, Part 4 – Other Taxes and Concepts<o:p></o:p> <font face="Times New Roman" size="3"> </font> Self –paced activities (Power points and Workbooks) <o:p></o:p> <font face="Times New Roman" size="3"> </font>	<font face="Times New Roman" size="3"> </font> Task 2 - Check Point<o:p></o:p> <font face="Times New Roman" size="3"> </font>
<font face="Times New Roman" size="3"> </font> 11<o:p></o:p> <font face="Times New Roman" size="3"> </font>	<font face="Times New Roman" size="3"> </font> 25/04/16<o:p></o:p> <font face="Times New Roman" size="3"> </font>	<font face="Times New Roman" size="3"> </font> Personal Taxation: Part 1- Introduction – Taxation, Part 2 - Personal Exertion Income, Part 3 – Deductions and Tax Offsets, Part 4 – Other Taxes and Concepts<o:p></o:p> <font face="Times New Roman" size="3"> </font> Self –paced activities (Power points and Workbooks) <o:p></o:p> <font face="Times New Roman" size="3"> </font>	<font face="Times New Roman" size="3"> </font> Assessment Task 3<o:p></o:p> <font face="Times New Roman" size="3"> </font>
<font face="Times New Roman" size="3"> </font> 12<o:p></o:p> <font face="Times New Roman" size="3"> </font>	<font face="Times New Roman" size="3"> </font> 02/05/16<o:p></o:p> <font face="Times New Roman" size="3"> </font>	<font face="Times New Roman" size="3"> </font> Personal Taxation: Part 5 - Capital Gains Tax (CGT), Part 6 - Entities and Effective Structures, Part 7 - Tax Administration, Part 8 – Tax Strategies<o:p></o:p> <font face="Times New Roman" size="3"> </font> Self –paced activities (Power points and Workbooks)<o:p></o:p> <font face="Times New Roman" size="3"> </font>	<font face="Times New Roman" size="3"> </font> <font face="Times New Roman" size="3"> </font>
<font face="Times New Roman" size="3"> </font> 13<o:p></o:p> <font face="Times New Roman" size="3"> </font>	<font face="Times New Roman" size="3"> </font> 09/05/16<o:p></o:p> <font face="Times New Roman" size="3"> </font>	<font face="Times New Roman" size="3"> </font> Personal Taxation: Part 5 - Capital Gains Tax (CGT), Part 6 - Entities and Effective Structures, Part 7 - Tax Administration, Part 8 – Tax Strategies<o:p></o:p> <font face="Times New Roman" size="3"> </font> Self –paced activities (Power points and Workbooks)<o:p></o:p> <font face="Times New Roman" size="3"> </font>	<font face="Times New Roman" size="3"> </font> Task 2 - Check Point<o:p></o:p> <font face="Times New Roman" size="3"> </font>
<font face="Times New Roman" size="3"> </font> 14<o:p></o:p> <font face="Times New Roman" size="3"> </font>	<font face="Times New Roman" size="3"> </font> 16/05/16<o:p></o:p> <font face="Times New Roman" size="3"> </font>	<font face="Times New Roman" size="3"> </font> Student Feedback on Assessment 3<o:p></o:p> <font face="Times New Roman" size="3"> </font> Review and Revision<o:p></o:p> <font face="Times New Roman" size="3"> </font> Self –paced activities<o:p></o:p> <font face="Times New Roman" size="3"> </font>	<font face="Times New Roman" size="3"> </font> Assessment Task 2 <o:p></o:p> <font face="Times New Roman" size="3"> </font>
<font face="Times New Roman" size="3"> </font> 15<o:p></o:p> <font face="Times New Roman" size="3"> </font>	<font face="Times New Roman" size="3"> </font> 23/05/16<o:p></o:p> <font face="Times New Roman" size="3"> </font>	<font face="Times New Roman" size="3"> </font> Review and Revision<o:p></o:p> <font face="Times New Roman" size="3"> </font> Self –paced activities<o:p></o:p> <font face="Times New Roman" size="3"> </font> Student Feedback on Assessment 2<o:p></o:p> <font face="Times New Roman" size="3"> </font>	<font face="Times New Roman" size="3"> </font> <o:p></o:p> <font face="Times New Roman" size="3"> </font>
<font face="Times New Roman" size="3"> </font> 16<o:p></o:p> <font face="Times New Roman" size="3"> </font>	<font face="Times New Roman" size="3"> </font> 30/05/16<o:p></o:p> <font face="Times New Roman" size="3"> </font>	<font face="Times New Roman" size="3"> </font> Resubmissions and Reassessments <o:p></o:p> <font face="Times New Roman" size="3"> </font>	<font face="Times New Roman" size="3"> </font> <o:p> </o:p> <font face="Times New Roman" size="3"> </font>