This document provides a comprehensive understanding of FNSASIC302 Develop, present and negotiate client solutions. It covers key elements of RG245, legal basis and purpose of providing a statement of advice, legal and ethical issues surrounding payment of trailing commissions, regulatory basis for risk disclosure, complaints resolution procedures, issuance of Fee Disclosure Statements, requirement of statement of advice for insurance brokers, regulatory code for businesses involved in EFT, and legal basis of non-cash payments.