Kitty has just turned $27$ years of age and has been working as an medical professional for five years. She earns $$75,000$ per year in salary after tax. Kitty came to Australia eight years ago but her immediate family continues to live in the UK$.$ As a result, Kitty had to learn very quickly to look after herself and her financial affairs. Kitty shares a flat with a friend, Mary, and her share of the rent is $$300$ per week. $$

$$ Kitty$$s other weekly expenses include:

$$ Public transport fares $$80$

$$ Utility bills $$50$

$$ Mobile phone $$70$

$$ Food $$250$

$$ Clothes $$200$

$$ Miscellaneous $$50$

$$ Kitty is always conscious to ensure that she is saving some of her income and has arranged an automatic debit for $$200$ from her bank account into the United Australian Imputation Fund each month. The amount accumulated in the fund comprises the original $$2,000$ she was given for her twenty$-$first birthday to start the fund, and contributions and earnings of $$8,000,$ giving a total sum of $$10,000.$ The managed fund is a growth fund with a portfolio of Australian share investments. If Kitty has any money left over, she keeps it in her bank account, which totals $$3,000.$

$$ Kitty is sick of travelling on buses and trains and wants to buy a second$-$hand car in the next $12$ months if she can afford it$.$ If possible, she does not want to use her managed fund, but hopes to save enough $($$$10,000)$ to buy the car. Additionally, she would like to purchase a small unit in an inner suburb of Sydney in the next two years, which she estimates would cost her $$500,000.$ She currently has no insurance cover but has a short$-$term personal loan at an annual interest rate of $12\%,$ the current balance being $$15,000$ which is required to be paid in full six months from now. In $2025,$ she would like to take a holiday to see her brothers and sisters in the UK$.$ She estimates she would need $$25,000$ to undertake this holiday.

$$ Explain to Kitty the need for a comprehensive data$-$collection instrument.

$$ Discuss with Kitty the financial$-$planning process and the responsibilities of both the client and the adviser.

Statement: Engaged clients are more likely to trust their financial advisors, follow their advice, and achieve their financial goals.

$$ How do advisers engage prospects $($potential clients$)$ to improve the quality of their interactions with them? Discus

Can you provide the answer for this under financial planning perspective $?$