powerpoint presentation revisionthis is a swot analysis assignmentI Need help to revise it based on the following instruction.ndustry analysis for LV should be based on the fashion industry, with emphasis on accessories/leather goods market segment. None of the information here provides any data or insight on the industry. Statements on customers belong in a customer analysis. Competitive analysis lists a few names, but provides little to no information on why or how those firms/brands are direct competitors, nor how they compare to LV S&Ws are ok, although ambiguous (insensitivity to foreign cultures?) O&Ts should be based on external factors covered in the industry and competitive analysis, and are therefore missing or incomplete.
1 of 13Submission detailsThe submission must include the following in ONE PDF document / file:The assignment (SOA) in a PDF format, incorporating all the relevant elements to ensure theprepared SOA is compliant with the relevant financial services laws, technically accurate andprofessionally presented. The SOA must include in the appendix a compliance statement(maximum 2 pages) demonstrating compliance with the relevant financial services regulationsand legislations (i.e. Best Interest Duty, Better position statement, Switching advice rules (referto the ASIC info sheet 182) and the disclosure requirement).Use the submission link provided on Moodle. Only submissions via the link will be acceptedVERY IMPORTANT _ Rules You Must adhere toThe aim of this task is to demonstrate competence in constructing a professioanaand compliant SOA. The work therefore must be your own. Turnitin similarityreporting is strictly applied. Copying from other students work or starting from atemplate completed by a student who completed this course or a similar course atother educational institutions previously is considered plagiarism and will bepenalised and likely lead to failing the assignment.Your similarity result should be in low single digit (less than 15%). Systematicplagiarism will be penalised regardless of the similarity score.Plain and simple this work must be your own work in its entirety.Similarity between 15 and 30% will be closely investigatedSimilarity exceeding 30% will not be gradedYou CANNOT use software or other licensees /companies’ templates. Thisassignment must be entirely your work cover to cover.Risk, Insurance and SuperannuationIndividual Assignment – Term 3 2020Due to be submitted no later than 11.59 pm on Friday the 20thofNovember 2020 in a soft copy format via the Turnitin link placed on theMoodle course website.*Please allow a minimum of 20 to 30 minutes to upload your assignment.Do not wait untill the due date to upload your assignment as the system canbecome slow closer to the due date.NO ASSIGNMENT WILL BE ACCEPTED VIA EMAIL OR ANY OTHER FORM/SThis assignment will comprise a total of 40% of the marks allocated for this unit.The assignment consists of the preparation of a scaled advice related to limited scopeof matters related to insurance, risk management and superannuation. The advicedocument needs to be in a form of a professional & compliant Statement of Advice(SOA) in relation to the case study. The SOA must adhere ASIC RG175 requirementsin particular the “Clear, Concise and effective” requirement. The SOA must meet thecompliance requirement including meeting the Best Interest Duty, Switching advicerules (refer to the ASIC info sheet 182) and the disclosure requirement ( For insurancecommission refer to ASIC report 527)Late submissions will be accepted; however, they will incur 25% penalty for every 24hours after the due date. HOWEVER, Please Note: YOU CANNOT overwrite yoursubmission after the due date (No resubmission past the due date).2 of 9Important Notes:• The assignment must be typed (Font 11)• Attempt ALL questions and issues raised in the case studyassignment• Ensure your SOA contains all the relevant sections, toensure your SOA is compliant with the relevant financialservices laws, technically accurate and professionallypresented in line with the industry best practice• Your PowerPoint presentation needs to beprofessionally presented and represent an accuratesummary of the SOA/ executive summary• Where appropriate, the use of tables, graphs, flowcharts,etc. is encouraged to help illustrate your point clearly• Show workings and calculations where applicable• Clearly state your source references. Be clear in answeringthe questions and or clients enquiry.• Assumptions must be clearly stated, assumptions need tobe reasonable and logical and cannot conflict with thefacts in the question/sAssumptionso Inflation 2.5%o AWOTE 3% (use for wages inflation)o Assume the investment rate of return is 5% applied toinvestable assets (i.e. Superannuation) where a growth riskprofile asset allocation is used,o Use 2020-21 tax rates where applicableo Use FBT rates effective 1 April 2020 if and where applicableRefer to the mark allocation and what is expected from yousection below for further details and tipsImportant Note: You need to answer the question in a Statement of Advice (SOA)format in accordance with ASIC guidelines (refer to RG 90 for examples only). The SOAmust have a 2 page “Executive Summary” section where you summarise the client’scurrent situation, needs, concerns, goals, objectives and your recommended strategy.3 of 9Case Study – The Prada FamilyJames Prada (aged 40) is married to Lydia (aged 39). They have two children,Charlotte (8) and Jordan (6).James is an architect working of a large architectural design firm. He is currentlyplanning to stay in the same firm for at least the next 10 years, after which he isconsidering starting his own firm.Lydia is a. She is a software engineer working in for a global IT company, she isalways trying to balance between work and family. She would like to reduce her hours;however, the cost of living pressures including the children’s private school educationrequire her to work full time.James and Lydia have been discussing for a while the need for them to see a financialadviser to ensure they have adequate insurance and to consolidate theirsuperannuation accounts since they both have accumulated 2 sperate accounts fromtheir past employment. They also want to make sure their superannuation is investedappropriately, to help them grow their superannuation and save for retirement,particularly in light of the latest superannuation changes.James and Lydia have a very strong view to do whatever possible for their childrenincluding making the investment to put them through private school education fromprimary school and would like to continue to assist them in every way possible.Both James and Lydia have reasonable experience when it comes to investment andmanagement of their financial affairs. Although in recent times James and Lydia havebeen too busy to pay attention to their financial affairs. They however, hope this willchange in the near future as they are keen to take control of their investments to ensurethey meet their lifestyle and retirement goals and objectives.James and Lydia have decided to come and see you. They made an appointment foran initial consultation with you.James and Lydia have left you with the information below after the first interview.4 of 9The Prada family personal and financial informationJames LydiaIncome salary & wages *(excludes employer SGcontribution)$270,000 $220,000Home (principal residence)Unencumbered $1,600,000 (Joint tenancy)Home [email protected]% variable (currentrepayments $8,500 per month) $850,000Home contents$150,000Car $70,000Bank Account (at call) $28,000 (Joint)Superannuation Accounts fromprevious employmentsAustralian SuperAccount Balance: $130,000(Insurance $150K life andTPD included)Investment: Default Lifestages(10% Tax free Componentand 90% Taxable, Taxedcomponent)Uni SuperAccount Balance: $110,000(Insurance $120K life andTPD included)Investment: Default Lifestages(5% Tax free component and95% Taxable, Taxedcomponent)Current Employersuperannuation where theemployer contribution is made(retail funds)CFS – FirstChoice EmployerSuperAccount Balance: $250,000(Insurance $700K life andTPD included)Investment: Growth (80%Growth, 20% Defensive(100 % Taxable, Taxedcomponent)MLC MasterKey BusinessSuperAccount Balance: $125,000(Insurance $500K life andTPD)Investment: Growth (80%Growth, 20% Defensive(100 % Taxable, Taxedcomponent)Living expenses **Exclude loan repayments andPrivate school fees$90,000 p.aNotes to the supplied information:
The employer makes only the mandated employer contribution (SGC) to theirsuperannuation nominated superannuation fund.** James and Lydia’s total current income requirement will continue until retirement.5 of 9You need to clearly address the following issues:• Their goals, objectives, needs, and concerns and whether they can achieve theirobjectives including their retirement objectives and how (attempt to presentthem with more than one option where applicable).• They also ask you to address and take into account the following specificissues:o James and Lydia would like to retire once James reaches age 65. However,they are happy to postpone retirement for a few more years if this wouldhelp them achieve a more comfortable retirement as James is happy toscale down his workload and stay working on a consultancy basis for a fewmore years. They think that they need an after-tax income of $80,000 intoday’s dollars during their retirement (assume that this income can beproduced tax free at retirement). They would like to know whether they willhave sufficient superannuation savings accumulated to help them fund theirretirement objectives. (Use the longest life expectancy between James andLydia and the add 8 years when performing their retirement projection).o Lydia has attended a seminar at her covering how to use a salarysacrifice to superannuation strategy to maximise retirement income,she is questioning whether such a strategy would be suitable toeither her, James and or both of them (provide a calculationillustration with your explanation).o James and Lydia would like to consolidate their superannuation, they wantto understand the meaning of the different superannuation component (Taxfree and Taxable components). They have also been consideringestablishing an SMSF. They wanted to know the key relevant issues theyneed to be aware of including their roles and responsibilities as trustees aswell as the key risks and benefits related to their specific circumstances. Atpresent James and Lydia’s superannuation contribution goes to an employernominated retail fund, they are wondering whether they can consolidate alltheir superannuation into an SMSF and have their future employercontribution directed to the SMSF.o James and Lydia are keen to save for their retirement and grown theirsuperannuation savings. They want to also explore the concept of borrowingto purchase a property by using a Limited Recourse BorrowingArrangement.o James and Lydia would like to know more about the possible investmentsavailable in an SMSF including investment in real property,. They also wouldto know the rules surrounding the purchase and leasing of a real propertythrough the SMSFo James and Lydia would like to know more about their option in utilising theirsuperannuation savings to commence a pension or an income stream inretirement. They would like to know the different types of pensions can beavailable to them to utilise with their superannuation savings to fund theirretirement. They also would like to know if the latest superannuationchanges impact their retirement plan.o James and Lydia would like to pay off their home loan as soon as possible.6 of 9o James and Lydia would like to continue their commitment towardstheir children’s private schooling both for their primary andsecondary school education. They would like to set aside $25,000p.a. for each childo James and Lydia would like to ensure they have adequate general andpersonal insurance. They want to know the type of insurance and theamount of cover they should be considering to ensure they are adequatelycovered Be specific in your advice and perform an appropriate needsanalysis as part of your justification, discussing why it’s important to have arisk management plan and the different risk management strategies theycan consider including insurance highlighting the need for insurance andthe risks of under insurance.o Provide appropriate projection model to justify your recommendationso Use diagrams and charts to assist with your illustrations.Risk Profiling- after a risk profile assessment and a through discussion with Jamesand Lydia on their risk tolerance, attitude to risk and risk capacity, it was determinedthat their risk profile is “Growth risk Profile” consisting of 80% growth and 20%defensive assets.As per the assumption provided a growth rate of 5 % is applied to investment assetsinvested in line with the growth risk profileYour task now is to prepare a complete scaled advice Statement of Advice (SOA) forJames and Lydia. The information provided in the client scenario is to be used inpreparing your calculations and advice. As the assignment is to be a SOA for clients, itshould be in a suitable format and use appropriate language. Clarity and concisenessare important but full explanations are required.Your advice will be limited in scope covering at minimum the key areas below.• Risk management plan including Insurance needs analysis and insuranceadvice including product recommendations• Superannuation consolidation, contribution, investment asset allocationsstrategies and recommendations providing reasoning and justifications• Retirement planning.• Debt management• Cash flow and asset projections• Provide assumptions used and justifications (cost, risk, suitability, etc.) whererequired.7 of 9Assignment mark allocation & what is expected from youMark AllocationMarks breakdown between both tasks SOA and presentation slides (out of 100)Overall Presentation SOA 25 MarksDisclosure and compliance 15 marksAnalysing current situation, the client goals, objectives needs and concerns 20marksStrategy and recommendation 40 marksWhat is expected from youDeliver appropriate advice that address all the clients goals, objectives, needs,concerns and special circumstances. The advice need to meet best interest duty anddemonstrate the client will be in a better position in following the advice andrecommendation you have presented. You need to clearly identify the risks of theadvice and how they can be mitigated .Your SOA The SOA need to be professionally presented and reader friendly, aiming forbest practice and not for minimum standards. The statement of advice based entirely onyour own work. The SOA need to be compliant with all the financial services regulationfor the format, the advice itself and all appropriate and required disclosures. Providing acompliant statement of Advice (i.e. disclosure, meeting the best interest duty, regulatoryetc.). The SOA must adhere ASIC RG175 requirements in particular the “Clear,Concise and effective” requirement. You also need to ensure other relevant complianceissues include switching adviceCurrent situation: Building and structuring the client current situation (including preadvice cash flow and net worth)Clearly analysing the fact in the case studyAppropriately addressing all the client goals, objectives, needs, concerns and specialcircumstancesProviding a client with strategy that addresses all the client goals, objectives andconcerns and aims to meet the client goalsProviding client with options and solutions – providing alternative strategiesHighlighting how the strategy is in the best interest of the client – i.e. meeting the bestinterest dutyHighlighting the risk of the strategy (if any) Addressing how the risks can be mitigatedProviding specific product recommendations to execute the strategyObtaining Authority from the client to proceed with the recommendationInsurance Advice: you need to perform needs analysis based on the clients’ facts andspecial circumstances listed in the case study. You need to identify needs and gapsand provide clear recommendations of what insurance covers should be sought,increased or upgraded, cover type, sum insured, etc . For Insurance quotes, you canmake appropriate and reasonable assumptions (i.e client is in good health and is a nonsmoker, providing there no information to the contrary in the case study).SMSF & Superannuation Advice: you need to avoid including generic information andgeneral pros and cons. Your advice related to SMSF (to set or not to set up, to keep8 of 9and not to keep, etc.) need to be specific to the client’s circumstances and facts listed inthe case study.Other superannuation advice need to be provided with clear justification maintaining orswitching. All super switching advice need to refer to ASIC information sheet INFO182.Switching Advice: All switching advice (superannuation, investment and insurance)need to be clearly justified.Retirement Advice: you need to perform appropriate calculation to identify theamount required to fund retirement income and other expenditures (if any) theclients intending to undertake. You need to clearly demonstrate through bothcash flow and net worth projections how the clients is able (or unable if theydon’t have sufficient resources) to fund their retirementPresentation – needs to be professionally presented and your SOA document must flownicely and need to be reader friendlyDisclosure & Compliance – Appropriate disclosure of fees and benefits and meeting theregulatory requirement of advice documentationTechnically accurate advice – It’s critically important to provide accurate advice for theclient to rely onAgain, always relate to the clients’ specific circumstances throughout the SOA andensure you are specific when explaining concepts, rules, regulations, legislativechanges in terms of highlighting their impact on the clients specific and relevant.Key sections you must include in the SOA:• Covering letter• Cover page• Table of Content• Executive summary (2-3 pages max)• scope of advice• Assumptions• Current situation- information about the client• Goals and objectives analysis including needs, concerns and specialcircumstancesadvice and recommendations• Insurance advice• Superannuation and SMSF advice• Other advice related to specific goals and objectives (education funding,• specific questions, etc.)• Meeting best interest duty• Risks of the advice and how they are mitigated• Disclosure sections – meeting all legal and best practice disclosurerequirements:• The cost of the advice and how you are paid.• All fees, commission and other benefits including soft dollar commissions• Specific disclaimers.• How to proceed. Authority to proceed and actions to proceed• Implementation schedule• AppendicesEnd of Assignment9 of 9Individual Assignment Rubrics and marking guidanceThe rubric below is read conjunction of the assignment expectation listed belowVery Good to Excellent ( D – HD) Satisfactory (Pass to Credit) Unsatisfactory• Clear and appropriateSOA/assignment layout andstructure• Clearly addressing and providing indepth analysis of all the clients goals,objectives, risks and concerns• Clear and thorough analysis indetermining the client risk profileaddressing different goals and timehorizon (i.e. utilizing goal-based riskprofiling)• Clearly identify strategies to help theclients achieve their objectives, withaddressing clear alternatives/scenario analysis• Clear and concise and effectivearticulation in addressing therequired contents requested in theassignment question• Good and efficient use of Visual aids(table, graphs, headings, etc.) forillustration• The SOA is Professionally presentedflow nicely and reader friendly• Meeting the compliancerequirement of an SOA.• Clearly demonstrating the advicemeets Best interest duty• Highlighting the risk of the adviceand how they can mitigated• Meeting best practice standard• Providing alternative options strategies andrecomendations• Providing clear cash flowprojections• Regularly relating the advice to theclient personal circumstances andfacts in the case study• Little or no generic information in thebody of the advice• Professionally prepared andpresented PowerPoint slides withdetailed speakers notes• Clear evidence of independentresearch and analysis incorporatedthroughout assignment as required• Appropriate use of referencing wherenecessary• Thoroughly Addressing all the points ofwhat expected of you below• Very Low Similarity (Turnitinreport)• Adequate SOA/assignment layout andstructure.• Clearly addressing andanalysing the clients goals,objectives, risks and concerns• Clear and adequate analysis indetermining the client riskprofile addressing differentgoals and time horizon (i.e.utilizing goal- based riskprofiling)• Clearly identify strategies tohelp the clients achieve theirobjectives, with addressingclear alternatives and scenarioanalysis• Clear and somewhat conciseand effective articulation inaddressing the requiredcontents requested in theassignment question• Adequate use of Good andefficient use of Visual aids (table,graphs, headings, etc.) forillustration• The SOA is reasonablyProfessionally presented andreader friendly• Meeting the ompliancerequirement of anSOA.• demonstrating the advicemeets Best interest duty• Clearly highlighting the risks ofthe advice and how they canmitigated• Providing clear cash flow projections• Adequately relating this adviceto the client personalcircumstances and facts in thecase study• Some generic information inthe body of the advice• Clearly prepared andpresented PowerPoint slideswith detailed speakers notes• Some evidence of independentresearch and analysis as required• Appropriate use of referencingas required• Covering the key points of whatexpected of you below• Low Similarity (Turnitin report)• Poor assignment layout and/orstructure• No Adequatelyaddressing oranalysing theclients goals,objectives, risksand concerns• No clear analysis indetermining the clientrisk profileaddressing differentgoals and timehorizon (i.e. utilizinggoal-based riskprofiling)• Vague or unclear strategies• Failing certaincompliancerequirement.• Not adequatelydemonstrating theadvice meets Bestinterest duty• Not highlighting the risksof the advice and howthey can mitigated• No or unclear cash flowprojections• High use of generic information• Poor presentation overall• No demonstratedindependentresearch or analysis• Little or no use of references• Not adequately Coveringthe points of what expectedof you below• High Similarity (Turnitin report)
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