Assessment criteria : You provide limited advice as per licensee arrangement. Your scope of advice is risk management and superannuateon including debt management. As part of your scaled advice to the clients, you need to address the following: 1. Asset allocations and diversification. 2. Cash flow and asset projections (include projections of cash flows for James and Fiona, presenting both pre-tax and post-tax results). 3. Debt management 4. Life Insurance, General Insurance and Health Insurance planning 5. Cash flow and net worth tables. 6. Provide assumptions used and justifications (cost, risk, suitability, etc.) where required. 7. Use diagrams and charts to assist with your illustrations. 8. Clear calculation of projections