FINS5510 Personal Financial Planning

INSTRUCTIONS
Adviser Engagement Assignment
Andrew Hingston

Overview 2
Weight 2
Backup your work 2
Late Penalties 3
Special Consideration 3
No Short Extensions 3
Individual Assessment 4
No Artificial Intelligence 4
Template 4
Formatting 4
Exporting to PDF 5
Videos 5
Questions 6
Word Limit 6
Writing Style 6
References and citations 6
File Size 7
Submission 7
Assessment Criteria 9
Marking Rubric 9
Grade and Feedback 10
Review of Results 10
Software 11

Adviser Engagement Assignment 2
© UNSW Business School
Overview

Adviser Engagement Date*
Assignment Due Date 1pm Friday Week 8 (25 Jul 2025)
Results Released 5pm Friday Week 10 (8 Aug 2025)
*All times are based on Sydney time
In future, you may be working in the wealth management industry. Even if you don't
end up working in the wealth management industry, you (or a member of your family)
will likely need to engage with a professional financial adviser to give you feedback on
your ideas and to help implement your financial plan. The purpose of this assessment
is to assess your ability to identify some important best practices and skills when
providing financial advice to clients. The assessment involves watching some videos
of financial advisers interacting with clients and answering two questions. The videos
are on Youtube, with the link provided under the ‘Adviser Engagement’ section of the
course website. We have provided videos of two advisers (Jeremy and Tristan) but
you are only required to watch the videos of one adviser. There are two questions and
these are under the ‘Questions’ section of this document. There is no word limit for
your answers to the questions, but the expected total number of words for this
assessment is somewhere between 1,000 and 2,000 words in total (with approximately
half allocated to each question). You can write more than 2,000 words if you would like
to do so. The answer to both questions should be submitted in PDF format using the
Microsoft Word template provided.
Weight
The Adviser Engagement Assignment is worth 20% of your assessment for this course.
Backup your work
You should be writing your assignment gradually in the few weeks before the due date
and not leaving it until ‘last minute’. You also need to plan for a situation in which the
file may become corrupted or your device is damaged. Please create regular copies of
your work and place them into a ‘Backups’ folder. Make sure this folder is synchronised
onto a USB key or a cloud-based storage solution such as OneDrive or Dropbox (or
an equivalent service in China for students who cannot access these services). Note
that UNSW provides you with a free Onedrive account. Loss of data or a damaged
device does not constitute grounds for Special Consideration.
Note that if you have saved your file in your UNSW Onedrive account, you should be
able to restore a backup from your file history. Here is a link on how to do this.
Adviser Engagement Assignment 3
© UNSW Business School
If you lose your file and are unable to restore from a backup, a standard late penalty
of 5 marks (out of 100) per day will apply. Technical problems with your file or
device does not represent grounds for a Special Consideration extension.
Late Penalties
Late submission will incur a penalty of 5 percentage points per day or part thereof
(including weekends) from the due date and time. An assessment will not be accepted
after 5 days (120 hours) of the original deadline unless special consideration has been
approved. An assignment is considered late if the requested format, such as hard copy
or electronic copy, has not been submitted on time or an incorrect document has been
submitted.
The late penalty applies to your score for the assignment (not the maximum possible
score). For example, if your raw score is 70/100 and the assignment is submitted 2
days late, a 10 mark penalty will apply and so your score would be reduced to 60/100.
Note that there is a small ‘grace period’ of a few minutes after the submission time to
allow for slow internet connections or slow website performance. No penalty will apply
if the submission is within this ‘grace period’. Please do not email me asking if your
submission falls within this grace period.
Since this assignment can be submitted at any time during the term, the maximum
period of special consideration that will be granted for this assessment (for any reason)
is 7 days from the original due date. Also, the maximum extension that will be granted
for Equitable Learning Plans will also be 7 days from the original due date. Any
submissions received after this will automatically be awarded a score of zero.
Special Consideration
Special consideration will only be granted in exceptional cases. You should work on
this assignment well before the due date. Being ill on the day before the assessment
due date will not normally constitute grounds for special consideration.
If special consideration is granted, the maximum extension that will be granted is
7 days from the original due date. Any assignments received more than 7 days from
the original due date will automatically be awarded a score of zero.
An application for Special Consideration together with supporting documentation must
be submitted online within 3 working days of the due date. The process for applying
for special consideration is here: https://student.unsw.edu.au/special-consideration
No Short Extensions
The university has recently introduced the option for students to apply for a short
extension without providing documentation (such as a medical certificate). This
assessment task is not eligible for a short extension without documentation.
Adviser Engagement Assignment 4
© UNSW Business School
Individual Assessment
This is an individual assessment. All written work must be your own work. Seeking
assistance with your written work or research constitutes academic misconduct.
Seeking assistance from Artificial Intelligence computer programs also constitutes
academic misconduct. Providing assistance to any other student also constitutes
academic misconduct. Copying or paraphrasing the work of any other student (from
current or previous terms) constitutes academic misconduct. Basing your answer on
an assignment submitted by another student is academic misconduct. Providing a copy
of your assignment to another student is academic misconduct. Posting a copy of your
assignment on a website is academic misconduct (except for submitting your
assignment on the course website under the appropriate submission link).
If another student approaches you for assistance, please note the time, date and
details of the incident and email the details to me at a.hingston@unsw.edu.au .
For some students, English is not your first language and so you may not feel confident
with your English grammar. In this course, obtaining assistance from someone else to
help correct spelling or grammar is not considered academic misconduct.
UNSW has no tolerance for students who are dishonest. Academic misconduct is a
serious offence. It can result in zero being awarded for this assessment, a failure grade
for the course and/or removal from the University.
No Artificial Intelligence
Using Artificial Intelligence programs or services is not permitted in this assessment.
There are two exceptions to the above ‘no use of Artificial Intelligence’ rule. Students
for whom English is their second language are allowed to use Artificial Intelligence
programs (such as Google Translate) to translate from their native language into
English or to translate from English to their native language. Students with writing
difficulties are allowed to use Artificial Intelligence programs (such as Grammarly) to
help correct their spelling and grammar.
Template
You should use the Microsoft Word Template document provided under the ‘Adviser
Engagement’ section of the course website. Note that as a student at UNSW, you have
access to the full suite of Microsoft Office 365 applications. More information about
accessing this software is on page 11.
Formatting
Fonts: Please only use either Arial (PC) or Helvetica (Mac) fonts. Students with
dyslexia who find these fonts difficult to read may use Times New Roman.
Adviser Engagement Assignment 5
© UNSW Business School
Font sizes: Please use font size 11 pt for your body text.
Line spacing: Use the default in the Microsoft Word Template provided (1.08 lines).
Styles: Use the styles provided in the Microsoft Word Template provided.
File format: You should submit your file in Adobe PDF format.
Filename: Please use the filename following the format ‘zID Adviser Engagement’.
If your zID is z999999, you should name your document
‘z999999 Adviser Engagement.docx’.
Exporting to PDF
You are required to submit your assignment using the Microsoft Word template
provided in PDF format. Using Microsoft Word, you can export to PDF format using
the following process:
1. Select the ‘File’ menu at the top left of the screen.
2. Select ‘Export’ from the left panel.
3. Select ‘Create PDF/XPS Document’
4. Press the ‘Create PDF/XPS’ button.
5. Check the file name and location is correct.
6. Press ‘Publish’ button.
Videos
The videos for this assignment are on Youtube under the ‘Adviser Engagement’
playlist. The link to this playlist is provided under the ‘Adviser Engagement’ section of
the course website.
Tristan Scifo (Purpose Advisory) and Jeremy Chiel (Stonehouse Group) have provided
some roleplays that demonstrate some ‘good’ and ‘bad’ examples of interactions with
clients. You are only required to watch the videos from one adviser, but better
submissions will draw examples from the videos of both advisers. To make it clear
which roleplays are ‘bad’ and ‘good’, I have included ‘Good’ and ‘Bad’ in the titles
before each section of the video. The bad examples are pretty funny at times, so sit
back and have a good laugh. Note that there are both ‘good’ and ‘bad’ versions of
Jeremy’s videos but some of Tristan’s roleplays only have ‘good’ versions.
There are some additional videos of Alexander Pan, who is a compliance officer in the
financial planning industry. These may be useful to watch if you are interested in
working in the Wealth Management industry in the future.
These videos work best when you watch them on your large-screen TV in your media
room. Sit back, grab the popcorn and enjoy watching them (taking notes as you go)!

Adviser Engagement Assignment 6
© UNSW Business School
Questions
There are two questions that you must answer. Please use headings for ‘Question 1’
and ‘Question 2’ and answer them separately.
Question 1 (50 marks)
Provide specific examples of situations in which Tristan and/or Jeremy was able to
either help the client to better understand their situation, articulate their goals and/or
identify strategies to achieve those goals. Why are these things important in the
financial planning process?
Question 2 (50 marks)
You hear someone aged 50 say, 'I don’t really need a financial adviser. I’m pretty good
with managing money and I don’t see the point of paying someone for advice.' After
watching the videos of Tristan and/or Jeremy interacting with clients, what do you think
are some of the advantages of someone aged 50 seeking financial advice even though
they think they are ‘good with managing money’?
Word Limit
There is no word limit to this assignment. The expected total number of words for this
assessment is somewhere between 1,000 and 2,000 words in total (with approximately
half allocated to each question). If you would like to write more than 2,000 words, you
are welcome to do so. In the past, students normally write a roughly similar number of
words for each question.
Writing Style
You should adopt a ‘report’ writing style for this assignment. This means that you can
use headings and make selective use of bullet-points, tables or diagrams (if
appropriate).
Please use headings for ‘Question 1’ and ‘Question 2’ and answer them separately,
since I mark each question separately.
References and citations
When citing specific videos in your answer, please just use the adviser name and the
timecode reference (mm:ss) in brackets. Full references and citations to the adviser
videos are not required since they are the focus of this assessment. For example, if
you are referring to the video with Jeremy Chiel to a timecode reference of 10 minutes
15 seconds, use the following in-text reference (Jeremy Chiel 10:15). There is no need
to include the adviser videos in your list of references.
Adviser Engagement Assignment 7
© UNSW Business School
If you would like to reference my lecture slides, an informal approach is acceptable.
Please just reference the title of the Unit and the slide number. There is no need to cite
my name or treat it as a published work. There is no need to include my lecture slides
in your list of references.
Citations and references for any other article or website should follow standard
university assignment citation and referencing principles. You may use Harvard,
Oxford or APA referencing (see below).
For website references, I’m usually happy with just the author (or company), the date
that it was accessed and a URL (preferably hyperlinked). For example:
"Domain Property Group, accessed 8 May 2025, https://www.domain.com.au "
The following website provides some good examples for referencing for other
documents:
https://student.unsw.edu.au/citing-different-sources
When referring to other sources, the standard method for citations at UNSW is in-text
(Harvard). However, in this course I don’t mind whether you use Harvard, Oxford or
APA style referencing.
More information on the in-text (Harvard) method is here:
https://student.unsw.edu.au/harvard-referencing
More information on the footnote (Oxford) method is here:
https://student.unsw.edu.au/footnote-bibliography-or-oxford-referencing-system
More information on APA referencing method is here:
https://www.student.unsw.edu.au/how-cite-references-apa-style
References are not included in your word count.
File Size
The maximum file size permitted by Moodle is 40MB. If your file is larger than this, then
it is most likely because you have used some high-resolution images (which are not
expected to be used in this assessment). Please locate the super-high-res images in
your document and downscale them. More on this here:
https://support.office.com/en-us/article/reduce-the-file-size-of-a-picture-in-microsoft-
office-8db7211c-d958-457c-babd-194109eb9535
Submission
Your Adviser Engagement Assignment should be submitted on the course website by
the due date listed at the start of this document. The link for submitting your assignment
is under the ‘Adviser Engagement’ section of the course website.
Adviser Engagement Assignment 8
© UNSW Business School
The TurnItIn Originality Check will only be performed once at the due day and time.
You will not receive an originality report when you submit your assignment. Your
Originality Score (plagiarism detection) is usually not a problem if you have written your
assignment yourself without assistance from others.
The maximum file size of submissions is 40MB. If your file is too big, please decrease
the size of your images. Instructions for how to do this are in the previous section.
You can resubmit your assignment as many times as you like before the due date.
However, the TurnItIn Originality check is only performed once on the due date. You
can still submit your assignment on the link provided after the due date but a late
penalty will apply. Note that resubmissions on the course website after the due-date
are not possible. If you discover that you have submitted the incorrect file, you can
email the correct file to me (note that late penalties may apply).
The required file format is in Adobe PDF format.
If you are submitting your assignment within one week after the due date, you should
just submit your assignment on the course website. There is no need to email me. The
penalties for late submission are indicated under the section on ‘Late Penalties’.

Adviser Engagement Assignment 9
© UNSW Business School
Assessment Criteria
Your assignment will be assessed based on following criteria:
Criteria Descriptor
CONFORMITY
(Penalties)
You did not use the MS Word Adviser Engagement template provided (5 marks)
You did not use the file name format indicated in the assessment instructions (5 marks)
You did not submit your file in PDF format. (5 marks)
The presentation of the content (document formatting etc.) does not follow the assessment instructions (5 marks)
Your answer for each question has not been written under separate sections labelled ‘Question 1’ and ‘Question 2’
(5 marks).
ANALYSIS (40%) Sophistication of your answer to the report question(s) and the associated arguments.
Application of the theory covered in the course lectures and resources to answer the report question(s).
Use of your own research using external sources to answer the report question(s).
EXAMPLES (40%) Appropriate selection of examples to support your analysis from the adviser videos.
Breadth of examples across the videos of at least one adviser (Tristan or Jeremy) to support your arguments. Note
that better submissions will draw examples from the videos of both advisers.
You have provided a clear explanation of how the examples that you have provided support your analysis and
arguments.
CLARITY (20%) Ideas are clearly expressed.
Use of clear and appropriate topic sentences at the beginning of paragraphs.
A clear flow of ideas between sentences within each paragraph.
A clear flow of ideas across different paragraphs.
Logic of your arguments is easy to follow.
Correct use of spelling, grammar and punctuation.
Marking Rubric
The following marking rubric is used to assess the above criteria:
Criteria High Distinction Distinction Credit Pass Fail
ANALYSIS
(40%)
Sophisticated answer
to report questions
drawing extensively on
theory from the course
or external references.
Very detailed answer to
report questions
drawing on theory from
the course or external
references.
Detailed answer to
report questions
drawing on some
theory from the course
or external references.
Basic answer to report
questions that is
generally consistent
with the theory from the
course.
Inadequate answer to
report questions and/or
is inconsistent with the
theory covered in the
course.
EXAMPLES
(40%)
Extensive use of
examples from both
Tristan and Jeremy
with sophisticated links
to report questions.
Detailed use of
examples from both
Tristan and Jeremy
with thorough links to
report questions.
Detailed use of
examples from either
Tristan or Jeremy with
clear links to report
questions.
Some use of examples
from either Tristan or
Jeremy with some links
to report questions.
Rare use of examples
from either Tristan or
Jeremy with weak links
to report questions.
CLARITY
(20%)
Elegantly expressed
answer with flawless
flow of ideas.
Very clearly expressed
answer with logical flow
of ideas.
Clearly expressed
answer with clear flow
of ideas.
Adequately expressed
answer with some flow
of ideas.
Unclear expression of
answer with unclear
flow of ideas.
Adviser Engagement Assignment 10
© UNSW Business School
Note that penalties may apply to the grade determined by this marking rubric according
to the ‘Conformity’ assessment criteria (see previous section), late submission and/or
academic misconduct.
Grade and Feedback
Your grade for this assessment and some brief feedback will be provided on the course
website at the ‘Results Released’ date at the start of this document. This is normally
2 weeks after the date of submission. However, please be patient if it takes a bit longer
because we usually have a lot of assignments to mark.
To access your grade and feedback, click on either the ‘Grades’ link at the top of the
course website or the ‘Adviser Engagement Grades and Feedback’ link under the
‘Adviser Engagement’ section of the course website.
Your feedback will be in the form of a grade and a few sentences explaining the
reasoning for your grade.
Review of Results
You should have reasonable expectations for your grade. A credit score (65 to 74)
means that you submitted a good assignment that adequately satisfied the assessment
requirements. A distinction score (75-84) indicates that the assessment criteria were
satisfied at a superior level. High distinctions (85 and above) are rare and are awarded
for an outstanding performance.
If you would like further clarification or to dispute your assessment grade:
1. Read the feedback provided (under the ‘Grades’ section on the course website).
2. Make sure that you have carefully read the Assessment Criteria and Marking Rubric
in this instructions document.
3. Wait 24 hours to reflect on the feedback provided.
4. Email me a screenshot of your grade and feedback and the specific issue on which
you seek clarification (or would like to dispute) to: a.hingston@unsw.edu.au
Any emails disputing or seeking clarification of assessment grades must be received
between 1 and 7 days after the release of results. We will not reply to emails received
within 24 hours of the release of results.
A review of results may take up to 10 working days to complete. If the new score is
within 2 marks (out of 100) of the original score, no adjustment will be made to the
original score. If the new score is either lower or higher than your original score by
more than 2 marks, the score will be adjusted. Note that your score may increase or
decrease upon a review of results.
Note that the following reasons are not grounds for a request to review results:
• You were busy at work and didn’t have enough time to work on this assessment;
Adviser Engagement Assignment 11
© UNSW Business School
• You were busy with other assessments;
• You are worried about the financial or visa implications of not passing the course;
• Marks or grades received by other students; and/or
• The need for additional marks to achieve a higher grade or weighted average mark
(WAM).
Software
This assignment should be submitted in PDF format using the Microsoft Word
document template provided on the course website. All students at UNSW have
access to the full suite of Microsoft Office 365 products for free (on both Windows
and Mac). This includes downloadable versions of the entire Microsoft Office suite to
15 devices (5 desktops, 5 tablets and 5 mobiles).
The steps for downloading the latest version of MS Office are as follows:
1. Go to https://login.microsoftonline.com
2. Login with the same zPass that you use for Moodle using the
‘zID@ad.unsw.edu.au’ version of your UNSW student email. For example:
z1234567@ad.unsw.edu.au
3. Click the ‘Install apps’ button
4. Choose ‘Office 365 apps’.

For students who use the Linux operating system, you should either use one of the
university labs to write the assignment, use a word processor that will export to a
Microsoft Word file format or use a Google Doc and export to Microsoft Word format.


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