RG 146 Compliance Audits fulfil ASIC's requirements for variable annuity advisors and advocates maintaining the necessary training levels. Additionally, this programme is well-suited for financial services firms seeking to ensure a particular degree of ground experience across certain teams or the whole organisation.
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Certain organisations, such as licensees and advisers, are nevertheless subject to RG146.
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A money manager can be classified in one of two ways under RG146: general financial guidance or financial and personal advice. Tier 2 refers to general financial counsel, while Tier 1 refers to personal financial guidance. 
When proposing a mutual fund, an adviser considers an investor's personal financial situation (i.e., he or she is aware of the investor's personal financial situation, individual financial aspirations and needs, and is proposing a product). Nonetheless, if an adviser is just talking about the superiority of a product without any reference guide to any customer, it is concerned.
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