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