Summary of discussions with clients Dr. Robert Oppenheimer & Mrs. Margot Robbie: Oppenheimer & Robbie have $50,000 savings in their bank account not earning any interest. They also have around $20,000 annual cashflow surplus. Oppenheimer and Robbie dont feel like they can probably invest better. They dont want to lock all their savings away as they still would like access $10,000 for emergencies. Oppenheimer & Robbie feels like their superannuation funds are a mess and cant even tell how performance, fees are tracking. They both have multiple super accounts totaling $200,000 for Robert and $150,000 for Margot. They both would like to consolidate their superannuation accounts, reduce fees, easy to track and meets what he wants in terms of the risk/return in the way its invested. Oppenheimer and Robbie are Growth investors with 70% growth risk profile. They both would like to invest into socially responsible investments. They have $5,000 credit card debt which they would like to pay-off as soon as possible. They would like to go on a cruise in 6 months time. They believe, it will cost them $10,000. Oppenheimer also wants to hold insurances inside superannuation where possible, so he can reduce the impact to his cashflow as unlike Robbie, Oppenheimer is more concerned about his immediate cashflow. Robbie doesnt want her insurances held within superannuation as she doesnt want her retirement balance to reduce due to premiums. Robbie wants recommendations for any insurances to be made outside of super. Oppenheimer and Robbie own a three-bedroom house valued at $1,000,000 and have $300,000 mortgage which they would like to pay off in 10 years time. Both Oppenheimer and Robbie are concerned they havent got any protection in an event like temporary or permanent disablement. Oppenheimer and Robbie feel theyre both very outgoing people and feel like theyll be spending about the same in retirement that theyre spending now (combined $100,000 per annum). They dont want to compromise their lifestyle. Oppenheimer is aged 45 and Robbie is aged 40 and would like to retire at age 65. Oppenheimer and Robbie are very happy where they live and dont wish to consider downsizing. They both would like to make tax-effective investments even if it means locking some of their savings until retirement age of 65. Required: Identify scope of advice areas that is required to be included in recommendations. (30%) Identify clients' goals and objectives that are measurable, time specific and in priority order. (70%)