This document discusses broking options for clients with complex needs. It covers topics such as borrowing risk, specific product risk, institutional risk, risk factors and return expectations of the client, and volatility of income and capital. It also provides information on different types of broking options, communication strategies for clients with hearing disabilities, and ethical considerations in the broking industry. The document includes a third-party report on disclosure requirements and the importance of compliance with legislative requirements and industry regulations. It concludes with information on complaint handling procedures and the legal agreement between clients and broking agents.