Question: When giving financial advice, an authorised user must do a needs analysis as a first step in which of the following cases? Healthy Foods (Pty)

When giving financial advice, an authorised user must do a needs analysis as a first step in which of the following cases? Healthy Foods (Pty) Ltd with a net asset value of R21 million. RBX Clothing Ltd, a listed company with a net asset value of R37 million. ABC Bank with a net asset value of R18 million. Healthy Food Pensions Fund with a net asset value of R1 billion

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