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That's okay. I am. Can can you hear me okay? Same. No. That's okay. You've had a busy afternoon. Wow. Yeah. No. That's okay. With this one here, I do need to send through the documents to your emails. It is often easier if you're looking at the advice with me, but I can just take you through the recommendations, and then you're welcome to look at them later. Are you able to pull up your emails at the moment, or is it better if I just run you through the recommendations, talk you through everything, and then you can read it later on? What's more preferable for yourself? Yep. Perfect. I've just sent the documents through to you. All good. Now just before we jump into the call completely, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that moving forward? Fantastic. Thanks so much for that. I've just sent that through, so it should hopefully come through fairly quickly from OdooSign. I believe it has my name attached to it as well for you. Yeah. You're right. Perfect. Yeah. Now when you open the email, there is quite a few attachments there as well. The main one is the statement of advice. There is a button that says click to sign. However, you if you click the button, it just lets you go through so you can scroll through the pages. I'll never ask you to sign anything you haven't read, and it doesn't make you sign anything to move any further forward. Okay. Perfect. Excellent. I mean, sorry. All good. Now when you are looking at that first page, it should say Oakview Financial statements advice. Just let me know when you can see that document there. So when you can see, fantastic. It has been prepared for yourself, Lisa Andrews, as of the 03/06/2026. Our advice documents are dated for sixty days. However, if it does take longer for you to review, it's no problem at all. We can just reconfirm your circumstances and still proceed after that time frame. Okay? On the bottom of the page, it has been prepared by myself and my beautiful team here at Oakview Financial. My representative number is 13043 fine sorry. 1304394. It is registered through ASIC, so you can always look me up if you do need to. I've also attached this document any PDFs and also the financial services guide. So you're welcome to have a look at me in there as well. Okay? Perfect. So what I'll do is I'll just go through this sort of page by page. If you need me to stop, please let me know. I'll run through the recommendations for hitting the points that we need to touch. If you have any questions or you wanna interrupt me at any point, please just jump in. Okay? Beautiful. Now all advice is provided under the best interest duty, and it does know what the best interest duty is on the next page there for you. It's about making sure financial advisers are here to meet your goals and we're working towards your goals. This is the first advice document. Moving forward, if you decide to come on, as the client will be able to update the advice and make alterations as your life changes. Okay? The next page is a table of contents. You can just go completely past that one. And the next couple of pages, it is outlining what we're scoping in and scoping out. So the main areas that we are looking at is superannuation. You have an aim of retiring about the age of 60. Between yourself and Scott, you're wanting to be able to draw down about $6,000 per month, so about 3,000 from each of your super funds on a monthly basis to be able to fund your retirement there. So we're looking at your super funds. You've got two of them at the moment and looking at how we can make those work as much as possible towards those goals for you. We're also looking at the insurance side of things. You do have a bit of life and t b in your current private super at the moment. We looked at what to do with that to keep the current level of cover, but also making sure to re try and reduce the premiums if at all possible so you have more money working harder for you. And I also did do a bit of a really good review of your employer paid income protection policy, and I've got some recommendations in there for that for you and run you through a bit of information there as well. Okay? Excellent. I've also factored in the estate planning side of things for you. So we have it's really important when we are looking at superannuation that we are looking at making sure your beneficiaries are up to date. One of the biggest things we see in this industry is a lot of people passing away unexpectedly and not having beneficiaries' wills and power of attorneys and things like that set up. So we do like to factor in the estate planning side of things to make sure that those little extras are completed. So at the worst possible time that your, you know, your wishes can be adhered to, and your family can receive their payments as quickly as possible. Okay? Perfect. On the next page, we've got there the limited scope there. So we are looking at the retirement planning side to a limited extent. You're still a little bit further away, but about twelve years until you're able to retire at this point. So because we're over ten years, there are still some changes that could occur in your life, but we are working towards the retirement goal there. So I have scoped into a limited extent to show you the projected outcome based on other recommendations and what we're looking at today, and then we'll keep evolving this moving forward for you as well. Okay? Areas that we're not looking at the moment are debt and cash on budgeting. You've sold your property, and you've got your CD bill to come out. You guys have got some money set away for that currently. We're not providing any additional advice in the area at the moment, but down the track, if you do need any additional advice on debt reduction or cash on budgeting or investments or anything else there, please come and have a chat to me. We can provide areas other than super retirement with full licensed advisers, and we just sort of help to look at what area you need advice in, what we can do to help in that area. If we can help, we'll certainly find someone who can for you. Okay? Perfect. We're also not looking at any trauma. So we did talk about trauma in our last call. Trauma is an out of pocket expense. You didn't sort of wanna increase those. At the moment, life isn't expensive enough with everything that's going on. So we've scoped that out for now. But if you ever wanted to talk about trauma or reassess that in any way, let me know. I'm more than happy to have a chat about it. Okay? Beautiful. The next page is the limited advice scope. So this is letting you know that we scope in and out areas that we are and are not providing advice. You'll get to take this back and have a really good read of the document. A lot of what I go through can be quite a lot. So I'll go through the things I need to, then you can take it away and have a good read of everything, and just let me know if you do have any questions at any point in time. When it comes to the estate planning side of things, we're not lawyers, but we can refer you to lawyers for the requirements of setting up a will, power of attorney, and anything estate planning wise. We look at personal insurances, so things like life, CBD, income protection, and trauma, certain general insurances like home and contents, motor insurances, public liability, and business cover. We tend to not look at any of those. There's a lot of different factors to take into consideration, but we can always refer you through to a general insurance broker should you require those services at all. And the last bit there is under the Better Advice Act 2021. I am a qualified relevant tax provider, so that means I can provide financial advice on tax and tax related matters. However, we're not accountants, so I like to think we're a little bit more fun than accountants. We help you to look at minimizing or, you know, helping to reduce the amount of tax in advance depending on the circumstances where the accountants will say you've sold this, you've got this bill, you've gotta pay that amount of tax. So it's a little bit different, but we can refer you through to an account if you did require those services as well. Okay? Perfect. The next page is about you. It's kinda going through all the information we had on yourself there. If you can just let me know, are there any major changes to any of those that I should be noting at the moment, or is everything still fairly similar? Yep. Oh, what's what's happening there? Okay. Okay. Wow. Wow. Yeah. Yeah. Wow. That'll be a very different vibe for you. Yeah. Well, that is something to I'll make sure that I do touch touch base with him very soon and have a conversation and a bit of a catch up there for him to see how all that's going and see what made the changes that might might include in the advice world for him. Okay. Beautiful. Yep. Yep. Yeah. Absolutely. No. Definitely. Well, what we'll do is once you're happy and if you decide to take on the advice and come on board, I'll have external third party authority set up for both of you. So we'll both get you to sign those so we can have them applied to the both of you. Okay? Perfect. The next page outlines your assets and liabilities there. I know there could be some changes made in the time that we have spoken to when we gather the original data. Is there anything major that you would want sort of updated, or is everything still relatively correct as per your circumstances? Yep. Oh, no. That's okay. That's just because this is your document. Yeah. That's absolutely fine. On Scott, everything had his name too, so that's fine. Yeah. No. That's absolutely fine. We also know your current superannuation balances between your Brighter and q super there for you, and the next page outlines the current insurance policy that you do have paid out of Brighter Super there as well. Okay? Yes. No. This is just the the main primary residence. Yeah. Yep. Perfect. The next couple of pages outline of the risk profile. So we did go through those questionnaires. We talked about the level of risk and how we should be investing funds for you. We ended up on that growth portfolio there. This just outlines a bit more detail around what the growth portfolio is and a bit more detail there, but I'll make sure I go through this in a lot more detail below for you as well. Okay? The next page is the start of the recommendations. So to start with, I am recommending that we do move you out of Brighter Super and into a new Hub twenty four super fund. Hub twenty four is a retail rep platform, and, essentially, advisors like them because we can build portfolios. Hub twenty four allows us access to about a little over 1,100 different investment options, everything from managed funds, exchange traded funds, right, and the individual companies in Australia and on overseas exchanges as well. So we can build portfolios that are working really well for yourself and making sure that we alter and change those moving forward as well. So we did actually have a really good look at the research, and I am recommending that we do move you from Brighter Super and in into Hub twenty four. That will mean that all contributions will be directed to Hub twenty four as well. We will start by only transferring a partial rollover. We'll leave 10,000 behind to begin with to keep your insurances in force until we are able to change the insurances, and I'll let you know a little bit below what we're doing with those as well. Okay? You'll see on each of these pages under the under the recommendation, we have a best interest duty statement. So this is essentially outlining how the how the recommendations are in yours of the best interest in line with your goals. You'll see each and every one of those. I'll let you have a bit of a read through those shortly, but it's about just making sure that things are working harder for you. If I can get you just to skip a few pages for me and sorta head on down to page number sorry. Let me skip a little bit and pop down to page number 22. I can go through this recommendation in a bit more detail there for you and give you a bit more of an explanation. So this is this is essentially the fee comparison table, and it shows your current scenario. So you've got Vita Super with your current balance there. You've got your administration fees, investment fees, any other fees that might be applicable to the fund. There's no adviser fees being deducted there. You've got your contributions going in and then also got your current insurance premiums there for you as well. Within your current super fund within Brighter Bay, you're actually in a balanced growth portfolio, which is a little bit lower. So a a growth portfolio was seen as a step higher than where the balance growth is. So by moving into hub twenty four, we're able to put you into a growth portfolio, which increases those growth investments, which is where you get a lot more of those returns moving forward from. So with the recommended, as I mentioned, we are recommending that we move you out of Brighter Super and into hub into hub 24. Essentially, what we can do is we can link these supers together and aggregate the fees behind the scenes to kind of reduce any fee as possible, but it means that we have a lot more access to the funds. We are recommending with your investment portfolio, we'll still have you in that growth portfolio, but we're gonna move you into our, SMA, so our separately managed account. With this growth portfolio, it's gonna be a mix of what we call the bloom and evergreen funds. It's a mix of the the medium to growth funds to give you that sort of eighty twenty split of growth versus defensive assets there. Having the SMA is a benefit because if you have a look at the bottom here, utilizing the five year rolling average by moving into the SMA, it has seen a greater past return over the last five years. So if the market's performed the way they have, you can see yourself in a better position moving forward there as well. The other reason for this is whilst the administration fees at the top are slightly higher with Hub twenty four, your investment fees are actually lower. So you actually end up saving quite significantly. So you're you with the admin fees, Hub twenty four is about $550 more than what Brighter Super is. However, the investment fees, you actually save $967. So when you sort of subtract the two, you're about 417 in front than what you would see with Brightness. You're actually saving $417 for the first year there. So that's more money invested in your in your super compounding working harder for you at the end of the day as well, which is really important. Okay? Perfect. We obviously do have our ongoing service and adviser fees to note as well. So one of the things we did talk about is if you come on board, we would be charging an upfront implementation fee to go through the implementation of the adviser. So it is 3.3%. It is capped at a $150,000 balance. So the most you'd pay for that is 4,950. The way the implementation technically works with this recommendation is that we start by rolling over a partial rollover. We leave $10,000 behind in Brighter Super. We then invest the money in Hub. As the money has been invested in Hub, once it has been received by Hub twenty four, the $4.09 $5.00 comes out of the cash account nice and quickly, and then we invest the rest of the funds. And the balance at the top, the starting balance is the estimated that we expect to have after that $4.09 $5.00 has been deducted. And we have that invested in the portfolio nice and quick so it can make that money back for you and then start compounding and growing. Okay? Perfect. You also probably noted in there that the the cost of the insurance is is slightly lower as well. Essentially, what I'm recommending with the insurance side of things is that we actually transfer your cover over. So one of the big things we talked about last time was that you didn't really wanna be paying a lot for insurances. Your super is kind of the main aspect of this, and this is the main most important part of it. So we are recommending here that we just transfer your cover over. We'll keep the same level of cup you have in rider super and transfer it over, and it essentially means that you're paying about half the price there for that cover. Okay. You'll keep the same level of life and TPD. We just transfer it straight to hub 24, and it essentially is the same cover but a less cost. One of the big things to sort of note is with your current cover in Brighter Super and the advantages and disadvantages, which are important to note as well, with your Brighter Super life and TBD, you're actually getting a little bit extra pay by your employer to cover the cost of that. So your life and TBD in Brighter Super is actual employer paid. They're paying that $306 per per per year for that, and that amount of money is added to your contributions. By transferring this over, whilst you are lowering the cost of the insurance premiums, it does mean that your insurance your employer will stop paying those premiums. The cost of $1.50 will come out of your contributions. But when I weighed up the difference so I did actually go back and do the math and have a look at the difference there. By reducing the cost of the insurance premiums, even though your employer won't be paying those on your behalf anymore, you actually save a lot more money. So the advantages outweigh the disadvantages of not transferring that over versus your employer covering the cost of the insurance. Does that that make sense? Yeah. Other than that so that's essentially the recommendation. They're rolling the money over, moving into the hub 24, investing in the estimate with that growth percentage there. If you go up just one page, you'll see the asset allocation sort of driven down as well. So within a growth portfolio, you generally see that eighty twenty split, the 80% growth investments and 20% defensive investments. With your existing portfolio at the moment, you've got about 73% in growth investments and then about 27% in defensive investments. So with the SMA blend, we're essentially gonna have 79.6% in those growth investments. That's where you see majority of your returns. You're thinking Australian equities, international equities, and alternative things like gold and silver in there as well, and then reducing the defensive component down to about 20.4%. So defensive assets are lower tend to get lower rates of returns with things like fixed interest, cash, bonds, and things like that. So trying to get a bit more growth out of your portfolio, we do need to take a little bit more risk because they're moving up and taking having more of those growth investments is where we see that come from. Okay? To see where your money would be invested, if you scroll up by one more page there for me, this is the investment break down. So at the moment, you've got your q super deferred benefit. Now I am recommending that we do not touch that in any way, shape, or form. I had a really good review of that. It is actually a great product. So the one forty two six seven four ninety one stays exactly where it is in q super. We We can apply a a TPA onto it, so a third party authority onto your fund, and then we can sort of help to monitor that with you as well. Okay? With the Brighter Super, we would be selling most of it. So you'd sell about all the so all of the funds. So $4.81 would start with leaving 10,000 behind, but at the end of the day, the whole thing would be sold down. And then between the two different SMAs, we get this sort of blend here. So 60% in the blue, which is more of a growth fund, and then we've got sort of a 100 40% in the evergreen, which is more of a a balanced growth sort of option. So we're doing a bit of a mix of blend between the two to make sure you have that $80.20 split keeping you invested in line. The downside to having these with the SMAs is that you can't see all the underlying investments. So you can see that you can only see the bloom versus the evergreen. It doesn't show you all the underlying investments that you have the investments in, and that is for a reason. So we're sort of saying this is where your money is going, but we control the underlying investments there so we can buy and sell and make changes as we need to. So with the markets at the moment, if we're looking at the investors and going, hey. This maybe needs to be removed out of there, then we can make that change quickly without having to call you and change an advice document and sort of, you know, take time out of your day. So the idea is that us plus the investment committee with BlackRock have a lot more control around the investments, what's happening in underlying. We can make changes quickly if need to. And that way, we're not having to update advice too regularly with regards to investments. We can take advantage of different investment opportunities nice and easily. But we can also send you change reports as well. So every sort of quarter the investment committee meet, they talk about what's happening in the estimate, where the money is invested underlying. And if they make changes, change reports are moved or provided as well. So we can always send change reports when those things are updated and altered and changed. So the good side is it has performed really well. It is a lot cheaper than Bright wise. It means more money stays in your portfolio for you. The downside is you have less visibility on the investments that your funds are invested in. So it's kind of one of those things. Does that make sense? Do you have any questions so far? Yeah. Perfect. Oh, good. Sorry. I'm probably the happiest person ever to talk about sleep, but, so, like, you're welcome to stop me at any point. I do it as of in this I also have all the advantages, disadvantages, and the risks involved. I have gone through a few of them with you. There is a lot more noted there. So you're welcome to run your eyes over that, have a really good read of all of those, and then let me know if you do have any additional questions in relation to it. Okay? Perfect. The other thing on that, like, the comparison table there on page 22, you'll see your contribution difference there. Now because your balance between the two funds is over 500,000, we weren't able to utilize any additional contributions of your cap space from previous years. So we are very limited. Given your income is quite high, you're a very high income earner, we are very limited to making additional contributions. But when I kinda looked at the option, starting additional contributions now is gonna benefit you more now than it will if we started in five or six or ten years' time. So I am recommending that we do salary sacrifice a little bit. Unfortunately, given the amount that you do have available to you, the most we're able to salary sacrifice on a yearly basis without breaking the cap is about $2,000 on a yearly basis there. So it works out to be about $38.46 on a weekly basis. It is only a very small amount, and we can always set it at the end of each financial year, see what you have available there. But even contributing an extra $38.46 or or $37 if you wanna round it up or down, Essentially, that over the next twelve years can provide a greater benefit. It's more money invested for you. It does give you a little bit of it because it's a pretax deduction. It does help to reduce a little bit of your income tax. Admittedly, the benefit would be very minimal given the amount. However, putting that money in now and having it invested tax of 15% rather than your marginal tax rate over the next twelve years has a greater compounding effect there. Okay? Perfect. Perfect. If you scroll down to the next page then, now one of the things we did kinda talk about was moving into the SMA blend and the difference in the five year rolling average debt. So you can sort of see a projection here. So if over the next sort of five to ten years, the SMA works the way it has, and we've got that average rate of return on a regular on a yearly basis over the next five to ten years, you can sort of see where that puts you. I do and really am open. Projections are just projections. We always use returns that are from previous years, and we know markets are very volatile. They are at the moment with everything that's going on, and we know that you're not gonna get 11% every single year. Some years, you might get 15 or 20%. Other years, it might be 11. It might be, you know, 5% one year. And we do know that one in every sort of six years, we can expect a negative return there as well. So it's about being invested, participating in the market, and investing when when it's down, taking advantage of those downtimes and keeping our contributions going in there. But over the course of time, if you can average this sort of rate of return, if the portfolio works the way we want it to, you can sort of see the projection of where we hope you end up over the next five to ten years. But we will do catch ups with you and see what's happening, how things are going for you. I've got my lovely admin here who has a fantastic calendar, and we put every quarter who needs a catch up when. And she makes sure to touch base and book everyone in with the catch up so we can determine what advice needs to be updated, when you need, you know, changes to your circumstances or if your income grows because I know your income's due to increase in the next few months there as well. So we can always increase, change, and evolve this advice as your life changes as we work out towards your retirement goals over the next twelve years. The other thing I do like to kinda point out is advice doesn't stop when you hit retirement. When you get to 60, that's just us heading out of the accumulation phase, then we're into the retirement phase. What I would like to do, and I what I did sort of say this got last time, was what I would like to do in the future is readjust the advice and maybe do a joint advice piece with the both of you so we can see where we've gotten to so far, what we're looking forward to. But then also looking in the retirement years when we get closer, whether we need to maybe shelter some money somewhere so you can access the age pension to give you other benefits there, whether, you know, how long we draw super out of, who's got a higher balance, and who we draw more money out of versus less so we can get longevity out of both of your super funds as well. So there's lots of other things that we can do in that retirement space, which is really fun and really cool, And it's about making sure we're working towards that. But if life doesn't stop at 60, it only gets better and better from there as we work through those retirement years. Okay? Perfect. Underneath that, we do have the annualized returns to to sort of show you the difference between Brighter Super and the recommended at the moment. Unfortunately, recommended doesn't give us a ten year rolling average, but we do have the five that we've been working on. We do like to work on the longest rolling average we can because it sort of shows you that the portfolio has been around for a longer time. It's got a longer track record, which is really important for averaging out returns. Okay. Perfect. The next sort of page is going through the salary sacrifice. Unfortunately, I couldn't recommend anything more than the $2,000 on an annual basis, and that was rounding it down a little bit as well. So you do have a little bit of cap space there. But, look, you're on a great income, and your employer's making great contributions as it is. And just the contributions you have plus this little bit of salary sacrifice that will top it up, you can sort of see projected above. You're on track for a really great retirement at the moment. So we just need the markets to perform. We just need to make sure that things are working for you and make sure we catch up and and change the advice as we need to moving forward as well. Okay? Perfect. Again, the next pages do outline the advantages, the disadvantages, the risks involved, any alternatives that I've also considered as part of the research there for you. The following page on page number 27, this outlines with regard to the q super defined benefits. I am recommending we keep that exactly as it is. We'll keep touch with you. One of the best things about this sort of I love these things. They're great. I actually asked my boss to do one for us, and he said no. Defined benefits are fantastic, and this is actually a deferred benefit. So your defined benefit has technically moved into what's called deferred benefit stage. The funds can stay in here until the age of 55, and they're actually not invested in the market. So they're not market linked in any way. Your end figure does not depend upon what the market does, unlike the rest of your super, which is really cool. It is essentially invested in the average wage option, which means that it is every year, it is indexed, sometimes by CPI, sometimes by a lesser amount. I did try to find out from q super, and I have tried to find out a few times what the indexation rate is. They won't tell anyone, and it changes every year. So every time I have one, I call and I try. It doesn't happen. So, yeah, keeping everything in the in the defined benefit for the moment until the age of 55. When you get closer to the age of 55, we can look at the difference in the time frame that they're gonna move it. At 55, they give you the option of moving it to another fund, sometimes withdrawing some of the benefit or keeping it in queue through, then it moves into the accumulation phase in there. So at about age age 55, after it steadily increased over time along with the indexation figure, then we should be able to look at consolidating that into hub twenty four and having everything in one place there for you. Okay? Perfect. The defined benefit amount they've given us at the moment is an estimate. It's really funny because they have this cool equation for essentially determining the current balance. This should be increasing every year, so it should only get more and more from here. When we're looking at retirement, bigger because we can't determine the growth rate for the for the deferred benefit side of things, I haven't been able to account for that into the retirement projections. But as we get closer and closer, this is only gonna provide a greater benefit to your retirement outcome. Okay? Perfect. Do you have any questions so far at all? No? Perfect. On the next couple of pages, I've outlined some good advantages, disadvantages against some risks involved and alternatives that I've also considered there for you to review. I'd like to make sure that these sections are really well detailed, so they do look quite large. There is a lot there. Please feel free to have a read through those in your time, and then let me know if there's any questions in relation to any of them. Okay? All good. All good. The next one here is the retirement calculation. So this, as I kinda mentioned, is based on a limited scope. So based on the current projections, based on the current recommendations where we kinda see in the next twelve years this projected outcome to be. As I kinda mentioned, projections are those projections. They can always change depending on your lifestyle factors, your income, when you decide to retire. It also depends on market returns and things like that as well, so we wanna keep checking on track. But based on the current outcome there, with you drawing $3,036,000 dollars per annum out, we can actually project that you are are able to hit that target currently, basically, up until the age of about 99. So this is putting you on track to be able to meet your goals and draw enough out of super for you to live on permanently, which is fantastic. It's actually projected about $612 more than your target income and still giving you longevity out of super. So it is a great strategy. It is sort of showing you that you can meet your goal. You're on track to do so. For the moment, we just need to keep reviewing things because twelve years is a long time away. A lot of things can happen in that time frame, and we just wanna keep reviewing things moving forward for you as well. Okay? Perfect. The next sorry. The next strategy, if you scroll down, is the insurance strategy. Perfect. So as I mentioned, you've got your life and TBD inside your Brighter Super at the moment. Essentially, what we wanna do is retain the life and TBD amount. It still gives you a 106,000 of life and TPD in the event that something happens, and then roll that over so it's held by hub twenty four. It essentially reduces the premium. So you save about a $156 per year on the total premium, but still get get to keep the same level of cover if anything happens. The monthly with the way that these are the covers are transferred and the way they are paid is that you would actually pay this on a monthly basis. So $12.53 is deducted out of your super fund each month, but it'll equate to about a 150 over the course of the year there. But it essentially allows you to keep the life and TPD for as long as you need it until it expires. These things tend to expire at around about $8.65 depending on the policy. Just because by the time of 60, we're retiring, we actually don't really normally need any life or TPD anymore. But having it for the next twelve years is still really important. You do still have debts. You still have a life to cover in a family, and it's really important to have that sort of backup for the time being. So keeping the cover, transferring it over allows you to retain it. There's no underwriting process to go through, which is fantastic. It's a straight retention. It's a good level of cover. If anything was to happen to you as we kinda went through with your life and your super balances, everything would be paid out and does cover your debt levels and still provide Scott with a a, you know, a little extra to sort of take time off and work out what to do with. And having TBD, again, the same thing. If you have TBD, the TBD payout is made, and then also your super balances can also be paid out. And you can also claim permanent disability on the deferred benefit within q super as well. So all of that can be released in the instance of TPD, which is a benefit. And so now having a look at your circumstances and your life, having that life in TPD is still really important as a bit of a backup security for you. Okay? Perfect. Again, we've got the best interest of you there, some advantages, disadvantages, and the risks involved there. One sort of thing I do like to point out is on page number 35, we do have the projection table again, but it table again, but it also shows you a comparison that if you were not to pay any insurances inside super. So we do know that paying with insurances inside super, because your premiums are coming out of your super fund, there is an impact on your super. But with the insurance premiums that we you are paying now versus the recommended, there's a very minimal impact. However, if you were not to pay any insurances at a super with the hub 24 the way it is projected above, you can actually see and project where you could end up over the next five to ten years. Okay. Perfect. It's not a huge difference. It goes from, like, $1300000.0.01 5 to $1300000.0.01 7. So it's not a massive difference or a huge impact there, but it does have an impact. And and we just wanna make sure that we're, you know, making you aware of that and being open and honest with everything that we do disclose. Perfect. We've got the advantages, the disadvantages, and the risks involved on the next few pages there for you and any alternatives that we have also considered. The following page on page number 38 outlines your employer paid income protection policy, which I love your that policy. I think it is fantastic. You can't get another income protecting policy like this anywhere that I have seen. I think it's fantastic. I am recommending, as we discussed, that you do retain that policy. It is a really good policy, but, essentially, has a forty five day waiting. Essentially, it also covers a 100% of income for the first thirteen weeks and reduces to 85% for the remaining ninety one weeks. You can be on this benefit for a maximum of a hundred and four weeks. If you're over 70, 75 years of age, it reduces to 52. Anyone over the age of 75, it goes to definitely longer as well. So this is a really cool policy because there is not with income protection benefits now, you can't be covered for more than 70% of your income. So this pays a much higher benefit. Admittedly, it's a shorter benefit period, but it pays a really good higher benefit. You can also use it as a top up if you're on, like, workers' compensation or something and needing to claim as a top up. It also has some cool features as well. So the funeral benefit of up to 5,000, which can be paid out. So if you were to pass away, there's a extra funeral benefit, which can be paid out nice and quickly. It has a zero day waiting period for serious some serious medical conditions, and in the PDF document, it outlines what those are. It also has a workers' compensation top up. So as I mentioned, if you're on workers' compensation, which normally only covers around about 80% of someone's wage, if they're on, you know, a full workers' compensation. You can then top it up with this policy to cover a 100% of your income, which is pretty cool. And then it's also got the financial planning benefit as well. So if you're on a claim for more than six months and you can seek financial planning, and they cover the cost of that up to a certain amount. So that is, again, nice and cool, but we certainly hope you're not on an income protection claim for that long. But it is a really great policy, And the biggest benefit is that it's not paid by you in any way, shape, or form. So the best insurance is the one that covers you, but you don't have to pay for it. Yeah. I've got another best interest, Eddie. It is your best interest to keep because a, it is an employer paid policy. The benefit is higher than any income protection benefit out there. It essentially gives you that level of cover without you having to cover the cost of it, and retaining it is just it's just the way it yeah. It's nothing else I can say, really. It's just why would you give that up? It's just fantastic, honestly. I was a little bit jealous. I was like, woah. I didn't even have those benefits. I do have the advantages, disadvantages, and the risks involved below because with every decision we make, with every product, there are advantages as well as disadvantages to take into consideration. So I have outlined those for you so you can have a good review of each of them as well. Okay? Perfect. The last sort of recommendation here is about the estate planning side of things. So because we are looking at moving you out of Brighter Super and into Hub 24, we do need to make sure your beneficiaries are done. So I will recommend that we do a binding, non lapsing beneficiary nomination. Essentially, that basically means that the trustee is bound to follow the directions so long as the nomination is valid. And non lapsing means you only have to fill out one beneficiary form, and you don't have to fill it out again until you wanna revoke or change that nomination. And as per your wishes, we'll make sure Scott is nominated as the beneficiary in the event that you pass away. With the deferred benefit side of things, I did a really good deep dive into q super and the deferred benefit there. They do allow for a beneficiary nomination to be provided, and they do, according to the documents, allow a binding non lapsing nomination as well. So we'll make sure that that is applied and sent to them. That way, it can also be, added to the account. With QSuper, one of the things I did say before is we wanna try and add a TPA on there. QSuper have been a little bit hard with us with TPAs, and I just forget this. I do apologize. They've been a bit hard dealing with with advisers, so we might not be able to have a TPA on file, but we can help you to monitor it. We'll just maybe need to get a couple of statements here and there just to help us keep an eye on things, but we can absolutely help you keep an eye on that one. And we'll make sure this beneficiary nomination is applied to that deferred benefit as well for you. Okay? All good. Again, you've got some advantages, disadvantages, and the risks involved there. You do have you did mention you do have a will and power of attorney already, so that is something I haven't sort of factored as the advice. But if you ever did wanna have those updated, I'll just speak to a solicitor. I'm more than help happy to help provide someone that can do that for you. But that's essentially all the recommendations there, trying to keep it nice and easy for you. If you scroll down to page number 46, as I kinda went through with the projection table there, you can see with coming on board and going through the implementation process, everything with you up into the point you sign the advice and we start implementing it is fully complimentary. So if you decide you don't like any of this, you're out. That's absolutely fine. There's no cost involved. By coming on board and having us implement things, we've got the upfront fee of $4.09 $5.00. It is a flat fee there because your balance is over a 150 k. That is deducted out of hub twenty four as soon as the money hits. That way, we can have it invested and working harder and earning that back there for you. We do also have the ongoing service fee attached. Now this actually does note it's 1.65%. For yourself, it would be 1.1. I do apologize. My power plan, I forgot that. Scott's your partner, and he nominated this. But Scott also says 1.65%. What I'll do is if you decide to take on the advice, I will knock that and make sure it is reduced to 1.1% for you, and we'll link it so the same thing happens to Scott. I don't want you to sign the document based on just reducing his ongoing service fee. You know, I kind of like everyone to sign the advice because they're happy with the advice I have provided, and I think it's gonna help them moving forward. So it does say 1.65% there, but it is only 1.1 for you, and it's just over disclosing. So we like to make sure we're over disclosing the fees in the advice documents. We also cap our ongoing service fee at a balance of 600,000. So the most anyone ever pays us is 9,900. Okay? All good. Do you have any questions or anything that you need updated or anything that you've got concerns about? Is there anything you wanted to bring up? Yep. Absolutely. Yeah. Absolutely. It is a lot to go through. It's sort of why I try to say let's have the document in front of you because I do go through a lot, especially with your advice document here. But, yeah, please take some time. Have a read through it. Let me know if you do have any questions straight after the call. I will just email you again. I know you've been emailing with the girls prior to this, but I'll send you an email from my email. That way, you've got that there direct. And if you find you have any questions that comes from you reading over the document, you're welcome to let me know. Okay? Perfect. That's okay. Not a problem at all. I thank you so much for your time. I know you've had a really busy couple of weeks, and today has not been any easier for you. But oh, good. Take your time reading through that one. Let me know if there's anything I that you need or any questions that you have, and I'm more than happy to answer them for you. Okay? No worries at all. Looking forward to working with you, Lisa. I've really enjoyed putting this plan together, and thank you so much for the opportunity to do so. No worries. And before you go, I should also let you know once you get through that one on the email, you'll also see the other documents there, the fax find. We've also got a lot of super search that we'll do if you decide to come on board. You'll see applications and things like that as well. So if you decide to take on the advice, you're happy to sign it. It'll also ask you to sign the application forms, the lost super search, your fax line, and things like that. That just helps us to start the the process of the implementation and attach the to the email there as attachments. I've got a copy of the statement of advice, the appendix in there for you as well, and I've also got our financial services guide and any product disclosure statements for the products that I have recommended for you as well. Okay? Beautiful. My pleasure. Thank you so much for your time. I hope you have a lovely afternoon and get some rest. Thanks, Lisa. See you later. 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Lisa. It's Dana again from Oakview Financial. Is now a bit better of a time for you? Yeah. That's okay.\n\nNot a problem. I'm happy to hold you. Just let me know when no issues at all. That's okay. I am.\n\nCan can you hear me okay? Same. No. That's okay. You've had a busy afternoon.\n\nWow. Yeah. No. That's okay. With this one here, I do need to send through the documents to your emails.\n\nIt is often easier if you're looking at the advice with me, but I can just take you through the recommendations, and then you're welcome to look at them later. Are you able to pull up your emails at the moment, or is it better if I just run you through the recommendations, talk you through everything, and then you can read it later on? What's more preferable for yourself? Yep. Perfect.\n\nI've just sent the documents through to you. All good. Now just before we jump into the call completely, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that moving forward? Fantastic.\n\nThanks so much for that. I've just sent that through, so it should hopefully come through fairly quickly from OdooSign. I believe it has my name attached to it as well for you. Yeah. You're right.\n\nPerfect. Yeah. Now when you open the email, there is quite a few attachments there as well. The main one is the statement of advice. There is a button that says click to sign.\n\nHowever, you if you click the button, it just lets you go through so you can scroll through the pages. I'll never ask you to sign anything you haven't read, and it doesn't make you sign anything to move any further forward. Okay. Perfect. Excellent.\n\nI mean, sorry. All good. Now when you are looking at that first page, it should say Oakview Financial statements advice. Just let me know when you can see that document there. So when you can see, fantastic.\n\nIt has been prepared for yourself, Lisa Andrews, as of the 03/06/2026. Our advice documents are dated for sixty days. However, if it does take longer for you to review, it's no problem at all. We can just reconfirm your circumstances and still proceed after that time frame. Okay?\n\nOn the bottom of the page, it has been prepared by myself and my beautiful team here at Oakview Financial. My representative number is 13043 fine sorry. 1304394. It is registered through ASIC, so you can always look me up if you do need to. I've also attached this document any PDFs and also the financial services guide.\n\nSo you're welcome to have a look at me in there as well. Okay? Perfect. So what I'll do is I'll just go through this sort of page by page. If you need me to stop, please let me know.\n\nI'll run through the recommendations for hitting the points that we need to touch. If you have any questions or you wanna interrupt me at any point, please just jump in. Okay? Beautiful. Now all advice is provided under the best interest duty, and it does know what the best interest duty is on the next page there for you.\n\nIt's about making sure financial advisers are here to meet your goals and we're working towards your goals. This is the first advice document. Moving forward, if you decide to come on, as the client will be able to update the advice and make alterations as your life changes. Okay? The next page is a table of contents.\n\nYou can just go completely past that one. And the next couple of pages, it is outlining what we're scoping in and scoping out. So the main areas that we are looking at is superannuation. You have an aim of retiring about the age of 60. Between yourself and Scott, you're wanting to be able to draw down about $6,000 per month, so about 3,000 from each of your super funds on a monthly basis to be able to fund your retirement there.\n\nSo we're looking at your super funds. You've got two of them at the moment and looking at how we can make those work as much as possible towards those goals for you. We're also looking at the insurance side of things. You do have a bit of life and t b in your current private super at the moment. We looked at what to do with that to keep the current level of cover, but also making sure to re try and reduce the premiums if at all possible so you have more money working harder for you.\n\nAnd I also did do a bit of a really good review of your employer paid income protection policy, and I've got some recommendations in there for that for you and run you through a bit of information there as well. Okay? Excellent. I've also factored in the estate planning side of things for you. So we have it's really important when we are looking at superannuation that we are looking at making sure your beneficiaries are up to date.\n\nOne of the biggest things we see in this industry is a lot of people passing away unexpectedly and not having beneficiaries' wills and power of attorneys and things like that set up. So we do like to factor in the estate planning side of things to make sure that those little extras are completed. So at the worst possible time that your, you know, your wishes can be adhered to, and your family can receive their payments as quickly as possible. Okay? Perfect.\n\nOn the next page, we've got there the limited scope there. So we are looking at the retirement planning side to a limited extent. You're still a little bit further away, but about twelve years until you're able to retire at this point. So because we're over ten years, there are still some changes that could occur in your life, but we are working towards the retirement goal there. So I have scoped into a limited extent to show you the projected outcome based on other recommendations and what we're looking at today, and then we'll keep evolving this moving forward for you as well.\n\nOkay? Areas that we're not looking at the moment are debt and cash on budgeting. You've sold your property, and you've got your CD bill to come out. You guys have got some money set away for that currently. We're not providing any additional advice in the area at the moment, but down the track, if you do need any additional advice on debt reduction or cash on budgeting or investments or anything else there, please come and have a chat to me.\n\nWe can provide areas other than super retirement with full licensed advisers, and we just sort of help to look at what area you need advice in, what we can do to help in that area. If we can help, we'll certainly find someone who can for you. Okay? Perfect. We're also not looking at any trauma.\n\nSo we did talk about trauma in our last call. Trauma is an out of pocket expense. You didn't sort of wanna increase those. At the moment, life isn't expensive enough with everything that's going on. So we've scoped that out for now.\n\nBut if you ever wanted to talk about trauma or reassess that in any way, let me know. I'm more than happy to have a chat about it. Okay? Beautiful. The next page is the limited advice scope.\n\nSo this is letting you know that we scope in and out areas that we are and are not providing advice. You'll get to take this back and have a really good read of the document. A lot of what I go through can be quite a lot. So I'll go through the things I need to, then you can take it away and have a good read of everything, and just let me know if you do have any questions at any point in time. When it comes to the estate planning side of things, we're not lawyers, but we can refer you to lawyers for the requirements of setting up a will, power of attorney, and anything estate planning wise.\n\nWe look at personal insurances, so things like life, CBD, income protection, and trauma, certain general insurances like home and contents, motor insurances, public liability, and business cover. We tend to not look at any of those. There's a lot of different factors to take into consideration, but we can always refer you through to a general insurance broker should you require those services at all. And the last bit there is under the Better Advice Act 2021. I am a qualified relevant tax provider, so that means I can provide financial advice on tax and tax related matters.\n\nHowever, we're not accountants, so I like to think we're a little bit more fun than accountants. We help you to look at minimizing or, you know, helping to reduce the amount of tax in advance depending on the circumstances where the accountants will say you've sold this, you've got this bill, you've gotta pay that amount of tax. So it's a little bit different, but we can refer you through to an account if you did require those services as well. Okay? Perfect.\n\nThe next page is about you. It's kinda going through all the information we had on yourself there. If you can just let me know, are there any major changes to any of those that I should be noting at the moment, or is everything still fairly similar? Yep. Oh, what's what's happening there?\n\nOkay. Okay. Wow. Wow. Yeah.\n\nYeah. Wow. That'll be a very different vibe for you. Yeah. Well, that is something to I'll make sure that I do touch touch base with him very soon and have a conversation and a bit of a catch up there for him to see how all that's going and see what made the changes that might might include in the advice world for him.\n\nOkay. Beautiful. Yep. Yep. Yeah.\n\nAbsolutely. No. Definitely. Well, what we'll do is once you're happy and if you decide to take on the advice and come on board, I'll have external third party authority set up for both of you. So we'll both get you to sign those so we can have them applied to the both of you.\n\nOkay? Perfect. The next page outlines your assets and liabilities there. I know there could be some changes made in the time that we have spoken to when we gather the original data. Is there anything major that you would want sort of updated, or is everything still relatively correct as per your circumstances?\n\nYep. Oh, no. That's okay. That's just because this is your document. Yeah.\n\nThat's absolutely fine. On Scott, everything had his name too, so that's fine. Yeah. No. That's absolutely fine.\n\nWe also know your current superannuation balances between your Brighter and q super there for you, and the next page outlines the current insurance policy that you do have paid out of Brighter Super there as well. Okay? Yes. No. This is just the the main primary residence.\n\nYeah. Yep. Perfect. The next couple of pages outline of the risk profile. So we did go through those questionnaires.\n\nWe talked about the level of risk and how we should be investing funds for you. We ended up on that growth portfolio there. This just outlines a bit more detail around what the growth portfolio is and a bit more detail there, but I'll make sure I go through this in a lot more detail below for you as well. Okay? The next page is the start of the recommendations.\n\nSo to start with, I am recommending that we do move you out of Brighter Super and into a new Hub twenty four super fund. Hub twenty four is a retail rep platform, and, essentially, advisors like them because we can build portfolios. Hub twenty four allows us access to about a little over 1,100 different investment options, everything from managed funds, exchange traded funds, right, and the individual companies in Australia and on overseas exchanges as well. So we can build portfolios that are working really well for yourself and making sure that we alter and change those moving forward as well. So we did actually have a really good look at the research, and I am recommending that we do move you from Brighter Super and in into Hub twenty four.\n\nThat will mean that all contributions will be directed to Hub twenty four as well. We will start by only transferring a partial rollover. We'll leave 10,000 behind to begin with to keep your insurances in force until we are able to change the insurances, and I'll let you know a little bit below what we're doing with those as well. Okay? You'll see on each of these pages under the under the recommendation, we have a best interest duty statement.\n\nSo this is essentially outlining how the how the recommendations are in yours of the best interest in line with your goals. You'll see each and every one of those. I'll let you have a bit of a read through those shortly, but it's about just making sure that things are working harder for you. If I can get you just to skip a few pages for me and sorta head on down to page number sorry. Let me skip a little bit and pop down to page number 22.\n\nI can go through this recommendation in a bit more detail there for you and give you a bit more of an explanation. So this is this is essentially the fee comparison table, and it shows your current scenario. So you've got Vita Super with your current balance there. You've got your administration fees, investment fees, any other fees that might be applicable to the fund. There's no adviser fees being deducted there.\n\nYou've got your contributions going in and then also got your current insurance premiums there for you as well. Within your current super fund within Brighter Bay, you're actually in a balanced growth portfolio, which is a little bit lower. So a a growth portfolio was seen as a step higher than where the balance growth is. So by moving into hub twenty four, we're able to put you into a growth portfolio, which increases those growth investments, which is where you get a lot more of those returns moving forward from. So with the recommended, as I mentioned, we are recommending that we move you out of Brighter Super and into hub into hub 24.\n\nEssentially, what we can do is we can link these supers together and aggregate the fees behind the scenes to kind of reduce any fee as possible, but it means that we have a lot more access to the funds. We are recommending with your investment portfolio, we'll still have you in that growth portfolio, but we're gonna move you into our, SMA, so our separately managed account. With this growth portfolio, it's gonna be a mix of what we call the bloom and evergreen funds. It's a mix of the the medium to growth funds to give you that sort of eighty twenty split of growth versus defensive assets there. Having the SMA is a benefit because if you have a look at the bottom here, utilizing the five year rolling average by moving into the SMA, it has seen a greater past return over the last five years.\n\nSo if the market's performed the way they have, you can see yourself in a better position moving forward there as well. The other reason for this is whilst the administration fees at the top are slightly higher with Hub twenty four, your investment fees are actually lower. So you actually end up saving quite significantly. So you're you with the admin fees, Hub twenty four is about $550 more than what Brighter Super is. However, the investment fees, you actually save $967.\n\nSo when you sort of subtract the two, you're about 417 in front than what you would see with Brightness. You're actually saving $417 for the first year there. So that's more money invested in your in your super compounding working harder for you at the end of the day as well, which is really important. Okay? Perfect.\n\nWe obviously do have our ongoing service and adviser fees to note as well. So one of the things we did talk about is if you come on board, we would be charging an upfront implementation fee to go through the implementation of the adviser. So it is 3.3%. It is capped at a $150,000 balance. So the most you'd pay for that is 4,950.\n\nThe way the implementation technically works with this recommendation is that we start by rolling over a partial rollover. We leave $10,000 behind in Brighter Super. We then invest the money in Hub. As the money has been invested in Hub, once it has been received by Hub twenty four, the $4.09 $5.00 comes out of the cash account nice and quickly, and then we invest the rest of the funds. And the balance at the top, the starting balance is the estimated that we expect to have after that $4.09 $5.00 has been deducted.\n\nAnd we have that invested in the portfolio nice and quick so it can make that money back for you and then start compounding and growing. Okay? Perfect. You also probably noted in there that the the cost of the insurance is is slightly lower as well. Essentially, what I'm recommending with the insurance side of things is that we actually transfer your cover over.\n\nSo one of the big things we talked about last time was that you didn't really wanna be paying a lot for insurances. Your super is kind of the main aspect of this, and this is the main most important part of it. So we are recommending here that we just transfer your cover over. We'll keep the same level of cup you have in rider super and transfer it over, and it essentially means that you're paying about half the price there for that cover. Okay.\n\nYou'll keep the same level of life and TPD. We just transfer it straight to hub 24, and it essentially is the same cover but a less cost. One of the big things to sort of note is with your current cover in Brighter Super and the advantages and disadvantages, which are important to note as well, with your Brighter Super life and TBD, you're actually getting a little bit extra pay by your employer to cover the cost of that. So your life and TBD in Brighter Super is actual employer paid. They're paying that $306 per per per year for that, and that amount of money is added to your contributions.\n\nBy transferring this over, whilst you are lowering the cost of the insurance premiums, it does mean that your insurance your employer will stop paying those premiums. The cost of $1.50 will come out of your contributions. But when I weighed up the difference so I did actually go back and do the math and have a look at the difference there. By reducing the cost of the insurance premiums, even though your employer won't be paying those on your behalf anymore, you actually save a lot more money. So the advantages outweigh the disadvantages of not transferring that over versus your employer covering the cost of the insurance.\n\nDoes that that make sense? Yeah. Other than that so that's essentially the recommendation. They're rolling the money over, moving into the hub 24, investing in the estimate with that growth percentage there. If you go up just one page, you'll see the asset allocation sort of driven down as well.\n\nSo within a growth portfolio, you generally see that eighty twenty split, the 80% growth investments and 20% defensive investments. With your existing portfolio at the moment, you've got about 73% in growth investments and then about 27% in defensive investments. So with the SMA blend, we're essentially gonna have 79.6% in those growth investments. That's where you see majority of your returns. You're thinking Australian equities, international equities, and alternative things like gold and silver in there as well, and then reducing the defensive component down to about 20.4%.\n\nSo defensive assets are lower tend to get lower rates of returns with things like fixed interest, cash, bonds, and things like that. So trying to get a bit more growth out of your portfolio, we do need to take a little bit more risk because they're moving up and taking having more of those growth investments is where we see that come from. Okay? To see where your money would be invested, if you scroll up by one more page there for me, this is the investment break down. So at the moment, you've got your q super deferred benefit.\n\nNow I am recommending that we do not touch that in any way, shape, or form. I had a really good review of that. It is actually a great product. So the one forty two six seven four ninety one stays exactly where it is in q super. We We can apply a a TPA onto it, so a third party authority onto your fund, and then we can sort of help to monitor that with you as well.\n\nOkay? With the Brighter Super, we would be selling most of it. So you'd sell about all the so all of the funds. So $4.81 would start with leaving 10,000 behind, but at the end of the day, the whole thing would be sold down. And then between the two different SMAs, we get this sort of blend here.\n\nSo 60% in the blue, which is more of a growth fund, and then we've got sort of a 100 40% in the evergreen, which is more of a a balanced growth sort of option. So we're doing a bit of a mix of blend between the two to make sure you have that $80.20 split keeping you invested in line. The downside to having these with the SMAs is that you can't see all the underlying investments. So you can see that you can only see the bloom versus the evergreen. It doesn't show you all the underlying investments that you have the investments in, and that is for a reason.\n\nSo we're sort of saying this is where your money is going, but we control the underlying investments there so we can buy and sell and make changes as we need to. So with the markets at the moment, if we're looking at the investors and going, hey. This maybe needs to be removed out of there, then we can make that change quickly without having to call you and change an advice document and sort of, you know, take time out of your day. So the idea is that us plus the investment committee with BlackRock have a lot more control around the investments, what's happening in underlying. We can make changes quickly if need to.\n\nAnd that way, we're not having to update advice too regularly with regards to investments. We can take advantage of different investment opportunities nice and easily. But we can also send you change reports as well. So every sort of quarter the investment committee meet, they talk about what's happening in the estimate, where the money is invested underlying. And if they make changes, change reports are moved or provided as well.\n\nSo we can always send change reports when those things are updated and altered and changed. So the good side is it has performed really well. It is a lot cheaper than Bright wise. It means more money stays in your portfolio for you. The downside is you have less visibility on the investments that your funds are invested in.\n\nSo it's kind of one of those things. Does that make sense? Do you have any questions so far? Yeah. Perfect.\n\nOh, good. Sorry. I'm probably the happiest person ever to talk about sleep, but, so, like, you're welcome to stop me at any point. I do it as of in this I also have all the advantages, disadvantages, and the risks involved. I have gone through a few of them with you.\n\nThere is a lot more noted there. So you're welcome to run your eyes over that, have a really good read of all of those, and then let me know if you do have any additional questions in relation to it. Okay? Perfect. The other thing on that, like, the comparison table there on page 22, you'll see your contribution difference there.\n\nNow because your balance between the two funds is over 500,000, we weren't able to utilize any additional contributions of your cap space from previous years. So we are very limited. Given your income is quite high, you're a very high income earner, we are very limited to making additional contributions. But when I kinda looked at the option, starting additional contributions now is gonna benefit you more now than it will if we started in five or six or ten years' time. So I am recommending that we do salary sacrifice a little bit.\n\nUnfortunately, given the amount that you do have available to you, the most we're able to salary sacrifice on a yearly basis without breaking the cap is about $2,000 on a yearly basis there. So it works out to be about $38.46 on a weekly basis. It is only a very small amount, and we can always set it at the end of each financial year, see what you have available there. But even contributing an extra $38.46 or or $37 if you wanna round it up or down, Essentially, that over the next twelve years can provide a greater benefit. It's more money invested for you.\n\nIt does give you a little bit of it because it's a pretax deduction. It does help to reduce a little bit of your income tax. Admittedly, the benefit would be very minimal given the amount. However, putting that money in now and having it invested tax of 15% rather than your marginal tax rate over the next twelve years has a greater compounding effect there. Okay?\n\nPerfect. Perfect. If you scroll down to the next page then, now one of the things we did kinda talk about was moving into the SMA blend and the difference in the five year rolling average debt. So you can sort of see a projection here. So if over the next sort of five to ten years, the SMA works the way it has, and we've got that average rate of return on a regular on a yearly basis over the next five to ten years, you can sort of see where that puts you.\n\nI do and really am open. Projections are just projections. We always use returns that are from previous years, and we know markets are very volatile. They are at the moment with everything that's going on, and we know that you're not gonna get 11% every single year. Some years, you might get 15 or 20%.\n\nOther years, it might be 11. It might be, you know, 5% one year. And we do know that one in every sort of six years, we can expect a negative return there as well. So it's about being invested, participating in the market, and investing when when it's down, taking advantage of those downtimes and keeping our contributions going in there. But over the course of time, if you can average this sort of rate of return, if the portfolio works the way we want it to, you can sort of see the projection of where we hope you end up over the next five to ten years.\n\nBut we will do catch ups with you and see what's happening, how things are going for you. I've got my lovely admin here who has a fantastic calendar, and we put every quarter who needs a catch up when. And she makes sure to touch base and book everyone in with the catch up so we can determine what advice needs to be updated, when you need, you know, changes to your circumstances or if your income grows because I know your income's due to increase in the next few months there as well. So we can always increase, change, and evolve this advice as your life changes as we work out towards your retirement goals over the next twelve years. The other thing I do like to kinda point out is advice doesn't stop when you hit retirement.\n\nWhen you get to 60, that's just us heading out of the accumulation phase, then we're into the retirement phase. What I would like to do, and I what I did sort of say this got last time, was what I would like to do in the future is readjust the advice and maybe do a joint advice piece with the both of you so we can see where we've gotten to so far, what we're looking forward to. But then also looking in the retirement years when we get closer, whether we need to maybe shelter some money somewhere so you can access the age pension to give you other benefits there, whether, you know, how long we draw super out of, who's got a higher balance, and who we draw more money out of versus less so we can get longevity out of both of your super funds as well. So there's lots of other things that we can do in that retirement space, which is really fun and really cool, And it's about making sure we're working towards that. But if life doesn't stop at 60, it only gets better and better from there as we work through those retirement years.\n\nOkay? Perfect. Underneath that, we do have the annualized returns to to sort of show you the difference between Brighter Super and the recommended at the moment. Unfortunately, recommended doesn't give us a ten year rolling average, but we do have the five that we've been working on. We do like to work on the longest rolling average we can because it sort of shows you that the portfolio has been around for a longer time.\n\nIt's got a longer track record, which is really important for averaging out returns. Okay. Perfect. The next sort of page is going through the salary sacrifice. Unfortunately, I couldn't recommend anything more than the $2,000 on an annual basis, and that was rounding it down a little bit as well.\n\nSo you do have a little bit of cap space there. But, look, you're on a great income, and your employer's making great contributions as it is. And just the contributions you have plus this little bit of salary sacrifice that will top it up, you can sort of see projected above. You're on track for a really great retirement at the moment. So we just need the markets to perform.\n\nWe just need to make sure that things are working for you and make sure we catch up and and change the advice as we need to moving forward as well. Okay? Perfect. Again, the next pages do outline the advantages, the disadvantages, the risks involved, any alternatives that I've also considered as part of the research there for you. The following page on page number 27, this outlines with regard to the q super defined benefits.\n\nI am recommending we keep that exactly as it is. We'll keep touch with you. One of the best things about this sort of I love these things. They're great. I actually asked my boss to do one for us, and he said no.\n\nDefined benefits are fantastic, and this is actually a deferred benefit. So your defined benefit has technically moved into what's called deferred benefit stage. The funds can stay in here until the age of 55, and they're actually not invested in the market. So they're not market linked in any way. Your end figure does not depend upon what the market does, unlike the rest of your super, which is really cool.\n\nIt is essentially invested in the average wage option, which means that it is every year, it is indexed, sometimes by CPI, sometimes by a lesser amount. I did try to find out from q super, and I have tried to find out a few times what the indexation rate is. They won't tell anyone, and it changes every year. So every time I have one, I call and I try. It doesn't happen.\n\nSo, yeah, keeping everything in the in the defined benefit for the moment until the age of 55. When you get closer to the age of 55, we can look at the difference in the time frame that they're gonna move it. At 55, they give you the option of moving it to another fund, sometimes withdrawing some of the benefit or keeping it in queue through, then it moves into the accumulation phase in there. So at about age age 55, after it steadily increased over time along with the indexation figure, then we should be able to look at consolidating that into hub twenty four and having everything in one place there for you. Okay?\n\nPerfect. The defined benefit amount they've given us at the moment is an estimate. It's really funny because they have this cool equation for essentially determining the current balance. This should be increasing every year, so it should only get more and more from here. When we're looking at retirement, bigger because we can't determine the growth rate for the for the deferred benefit side of things, I haven't been able to account for that into the retirement projections.\n\nBut as we get closer and closer, this is only gonna provide a greater benefit to your retirement outcome. Okay? Perfect. Do you have any questions so far at all? No?\n\nPerfect. On the next couple of pages, I've outlined some good advantages, disadvantages against some risks involved and alternatives that I've also considered there for you to review. I'd like to make sure that these sections are really well detailed, so they do look quite large. There is a lot there. Please feel free to have a read through those in your time, and then let me know if there's any questions in relation to any of them.\n\nOkay? All good. All good. The next one here is the retirement calculation. So this, as I kinda mentioned, is based on a limited scope.\n\nSo based on the current projections, based on the current recommendations where we kinda see in the next twelve years this projected outcome to be. As I kinda mentioned, projections are those projections. They can always change depending on your lifestyle factors, your income, when you decide to retire. It also depends on market returns and things like that as well, so we wanna keep checking on track. But based on the current outcome there, with you drawing $3,036,000 dollars per annum out, we can actually project that you are are able to hit that target currently, basically, up until the age of about 99.\n\nSo this is putting you on track to be able to meet your goals and draw enough out of super for you to live on permanently, which is fantastic. It's actually projected about $612 more than your target income and still giving you longevity out of super. So it is a great strategy. It is sort of showing you that you can meet your goal. You're on track to do so.\n\nFor the moment, we just need to keep reviewing things because twelve years is a long time away. A lot of things can happen in that time frame, and we just wanna keep reviewing things moving forward for you as well. Okay? Perfect. The next sorry.\n\nThe next strategy, if you scroll down, is the insurance strategy. Perfect. So as I mentioned, you've got your life and TBD inside your Brighter Super at the moment. Essentially, what we wanna do is retain the life and TBD amount. It still gives you a 106,000 of life and TPD in the event that something happens, and then roll that over so it's held by hub twenty four.\n\nIt essentially reduces the premium. So you save about a $156 per year on the total premium, but still get get to keep the same level of cover if anything happens. The monthly with the way that these are the covers are transferred and the way they are paid is that you would actually pay this on a monthly basis. So $12.53 is deducted out of your super fund each month, but it'll equate to about a 150 over the course of the year there. But it essentially allows you to keep the life and TPD for as long as you need it until it expires.\n\nThese things tend to expire at around about $8.65 depending on the policy. Just because by the time of 60, we're retiring, we actually don't really normally need any life or TPD anymore. But having it for the next twelve years is still really important. You do still have debts. You still have a life to cover in a family, and it's really important to have that sort of backup for the time being.\n\nSo keeping the cover, transferring it over allows you to retain it. There's no underwriting process to go through, which is fantastic. It's a straight retention. It's a good level of cover. If anything was to happen to you as we kinda went through with your life and your super balances, everything would be paid out and does cover your debt levels and still provide Scott with a a, you know, a little extra to sort of take time off and work out what to do with.\n\nAnd having TBD, again, the same thing. If you have TBD, the TBD payout is made, and then also your super balances can also be paid out. And you can also claim permanent disability on the deferred benefit within q super as well. So all of that can be released in the instance of TPD, which is a benefit. And so now having a look at your circumstances and your life, having that life in TPD is still really important as a bit of a backup security for you.\n\nOkay? Perfect. Again, we've got the best interest of you there, some advantages, disadvantages, and the risks involved there. One sort of thing I do like to point out is on page number 35, we do have the projection table again, but it table again, but it also shows you a comparison that if you were not to pay any insurances inside super. So we do know that paying with insurances inside super, because your premiums are coming out of your super fund, there is an impact on your super.\n\nBut with the insurance premiums that we you are paying now versus the recommended, there's a very minimal impact. However, if you were not to pay any insurances at a super with the hub 24 the way it is projected above, you can actually see and project where you could end up over the next five to ten years. Okay. Perfect. It's not a huge difference.\n\nIt goes from, like, $1300000.0.01 5 to $1300000.0.01 7. So it's not a massive difference or a huge impact there, but it does have an impact. And and we just wanna make sure that we're, you know, making you aware of that and being open and honest with everything that we do disclose. Perfect. We've got the advantages, the disadvantages, and the risks involved on the next few pages there for you and any alternatives that we have also considered.\n\nThe following page on page number 38 outlines your employer paid income protection policy, which I love your that policy. I think it is fantastic. You can't get another income protecting policy like this anywhere that I have seen. I think it's fantastic. I am recommending, as we discussed, that you do retain that policy.\n\nIt is a really good policy, but, essentially, has a forty five day waiting. Essentially, it also covers a 100% of income for the first thirteen weeks and reduces to 85% for the remaining ninety one weeks. You can be on this benefit for a maximum of a hundred and four weeks. If you're over 70, 75 years of age, it reduces to 52. Anyone over the age of 75, it goes to definitely longer as well.\n\nSo this is a really cool policy because there is not with income protection benefits now, you can't be covered for more than 70% of your income. So this pays a much higher benefit. Admittedly, it's a shorter benefit period, but it pays a really good higher benefit. You can also use it as a top up if you're on, like, workers' compensation or something and needing to claim as a top up. It also has some cool features as well.\n\nSo the funeral benefit of up to 5,000, which can be paid out. So if you were to pass away, there's a extra funeral benefit, which can be paid out nice and quickly. It has a zero day waiting period for serious some serious medical conditions, and in the PDF document, it outlines what those are. It also has a workers' compensation top up. So as I mentioned, if you're on workers' compensation, which normally only covers around about 80% of someone's wage, if they're on, you know, a full workers' compensation.\n\nYou can then top it up with this policy to cover a 100% of your income, which is pretty cool. And then it's also got the financial planning benefit as well. So if you're on a claim for more than six months and you can seek financial planning, and they cover the cost of that up to a certain amount. So that is, again, nice and cool, but we certainly hope you're not on an income protection claim for that long. But it is a really great policy, And the biggest benefit is that it's not paid by you in any way, shape, or form.\n\nSo the best insurance is the one that covers you, but you don't have to pay for it. Yeah. I've got another best interest, Eddie. It is your best interest to keep because a, it is an employer paid policy. The benefit is higher than any income protection benefit out there.\n\nIt essentially gives you that level of cover without you having to cover the cost of it, and retaining it is just it's just the way it yeah. It's nothing else I can say, really. It's just why would you give that up? It's just fantastic, honestly. I was a little bit jealous.\n\nI was like, woah. I didn't even have those benefits. I do have the advantages, disadvantages, and the risks involved below because with every decision we make, with every product, there are advantages as well as disadvantages to take into consideration. So I have outlined those for you so you can have a good review of each of them as well. Okay?\n\nPerfect. The last sort of recommendation here is about the estate planning side of things. So because we are looking at moving you out of Brighter Super and into Hub 24, we do need to make sure your beneficiaries are done. So I will recommend that we do a binding, non lapsing beneficiary nomination. Essentially, that basically means that the trustee is bound to follow the directions so long as the nomination is valid.\n\nAnd non lapsing means you only have to fill out one beneficiary form, and you don't have to fill it out again until you wanna revoke or change that nomination. And as per your wishes, we'll make sure Scott is nominated as the beneficiary in the event that you pass away. With the deferred benefit side of things, I did a really good deep dive into q super and the deferred benefit there. They do allow for a beneficiary nomination to be provided, and they do, according to the documents, allow a binding non lapsing nomination as well. So we'll make sure that that is applied and sent to them.\n\nThat way, it can also be, added to the account. With QSuper, one of the things I did say before is we wanna try and add a TPA on there. QSuper have been a little bit hard with us with TPAs, and I just forget this. I do apologize. They've been a bit hard dealing with with advisers, so we might not be able to have a TPA on file, but we can help you to monitor it.\n\nWe'll just maybe need to get a couple of statements here and there just to help us keep an eye on things, but we can absolutely help you keep an eye on that one. And we'll make sure this beneficiary nomination is applied to that deferred benefit as well for you. Okay? All good. Again, you've got some advantages, disadvantages, and the risks involved there.\n\nYou do have you did mention you do have a will and power of attorney already, so that is something I haven't sort of factored as the advice. But if you ever did wanna have those updated, I'll just speak to a solicitor. I'm more than help happy to help provide someone that can do that for you. But that's essentially all the recommendations there, trying to keep it nice and easy for you. If you scroll down to page number 46, as I kinda went through with the projection table there, you can see with coming on board and going through the implementation process, everything with you up into the point you sign the advice and we start implementing it is fully complimentary.\n\nSo if you decide you don't like any of this, you're out. That's absolutely fine. There's no cost involved. By coming on board and having us implement things, we've got the upfront fee of $4.09 $5.00. It is a flat fee there because your balance is over a 150 k.\n\nThat is deducted out of hub twenty four as soon as the money hits. That way, we can have it invested and working harder and earning that back there for you. We do also have the ongoing service fee attached. Now this actually does note it's 1.65%. For yourself, it would be 1.1.\n\nI do apologize. My power plan, I forgot that. Scott's your partner, and he nominated this. But Scott also says 1.65%. What I'll do is if you decide to take on the advice, I will knock that and make sure it is reduced to 1.1% for you, and we'll link it so the same thing happens to Scott.\n\nI don't want you to sign the document based on just reducing his ongoing service fee. You know, I kind of like everyone to sign the advice because they're happy with the advice I have provided, and I think it's gonna help them moving forward. So it does say 1.65% there, but it is only 1.1 for you, and it's just over disclosing. So we like to make sure we're over disclosing the fees in the advice documents. We also cap our ongoing service fee at a balance of 600,000.\n\nSo the most anyone ever pays us is 9,900. Okay? All good. Do you have any questions or anything that you need updated or anything that you've got concerns about? Is there anything you wanted to bring up?\n\nYep. Absolutely. Yeah. Absolutely. It is a lot to go through.\n\nIt's sort of why I try to say let's have the document in front of you because I do go through a lot, especially with your advice document here. But, yeah, please take some time. Have a read through it. Let me know if you do have any questions straight after the call. I will just email you again.\n\nI know you've been emailing with the girls prior to this, but I'll send you an email from my email. That way, you've got that there direct. And if you find you have any questions that comes from you reading over the document, you're welcome to let me know. Okay? Perfect.\n\nThat's okay. Not a problem at all. I thank you so much for your time. I know you've had a really busy couple of weeks, and today has not been any easier for you. But oh, good.\n\nTake your time reading through that one. Let me know if there's anything I that you need or any questions that you have, and I'm more than happy to answer them for you. Okay? No worries at all. Looking forward to working with you, Lisa.\n\nI've really enjoyed putting this plan together, and thank you so much for the opportunity to do so. No worries. And before you go, I should also let you know once you get through that one on the email, you'll also see the other documents there, the fax find. We've also got a lot of super search that we'll do if you decide to come on board. You'll see applications and things like that as well.\n\nSo if you decide to take on the advice, you're happy to sign it. It'll also ask you to sign the application forms, the lost super search, your fax line, and things like that. That just helps us to start the the process of the implementation and attach the to the email there as attachments. I've got a copy of the statement of advice, the appendix in there for you as well, and I've also got our financial services guide and any product disclosure statements for the products that I have recommended for you as well. Okay?\n\nBeautiful. My pleasure. Thank you so much for your time. I hope you have a lovely afternoon and get some rest. Thanks, Lisa.\n\nSee you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Lisa.","start":1.92,"end":2.48,"sentiment":"neutral","sentiment_score":0.10515126585960388},{"text":"It's Dana again from Oakview Financial.","start":2.48,"end":4.58,"sentiment":"neutral","sentiment_score":0.1524164006114006},{"text":"Is now a bit better of a time for you?","start":4.72,"end":7.06,"sentiment":"neutral","sentiment_score":0.09201420955359936},{"text":"Yeah.","start":10.16,"end":10.66,"sentiment":"neutral","sentiment_score":-0.009236366488039494},{"text":"That's okay.","start":13.215,"end":13.8550005,"sentiment":"neutral","sentiment_score":0.07407999597489834}],"sentiment":"neutral","sentiment_score":0.10399365030406486,"num_words":21,"start":1.92,"end":13.8550005},{"sentences":[{"text":"Not a problem.","start":13.8550005,"end":14.415,"sentiment":"neutral","sentiment_score":0.3306569755077362},{"text":"I'm happy to hold you.","start":14.415,"end":15.295,"sentiment":"positive","sentiment_score":0.5631858468055725},{"text":"Just let me know when no issues at all.","start":15.295,"end":17.395,"sentiment":"neutral","sentiment_score":0.3139251122872035},{"text":"That's okay.","start":19.535,"end":20.355,"sentiment":"neutral","sentiment_score":0.22013644874095917},{"text":"I am.","start":83.689995,"end":84.17,"sentiment":"neutral","sentiment_score":0.049551572650671005}],"sentiment":"positive","sentiment_score":0.341552486377103,"num_words":21,"start":13.8550005,"end":84.17},{"sentences":[{"text":"Can can you hear me okay?","start":84.17,"end":85.39,"sentiment":"neutral","sentiment_score":0.005395626183599234},{"text":"Same.","start":87.235,"end":87.735,"sentiment":"neutral","sentiment_score":-0.03405206650495529},{"text":"No.","start":87.955,"end":88.195,"sentiment":"neutral","sentiment_score":-0.1499311923980713},{"text":"That's okay.","start":88.195,"end":88.995,"sentiment":"neutral","sentiment_score":-0.14735199511051178},{"text":"You've had a busy afternoon.","start":88.995,"end":90.455,"sentiment":"neutral","sentiment_score":-0.21830444633960724}],"sentiment":"neutral","sentiment_score":-0.10252238158136606,"num_words":15,"start":84.17,"end":90.455},{"sentences":[{"text":"Wow.","start":93.555,"end":94.055,"sentiment":"neutral","sentiment_score":-0.01951161026954651},{"text":"Yeah.","start":94.355,"end":94.855,"sentiment":"neutral","sentiment_score":-0.0249625276774168},{"text":"No.","start":94.915,"end":95.235,"sentiment":"neutral","sentiment_score":-0.07990463078022003},{"text":"That's okay.","start":95.235,"end":96.135,"sentiment":"neutral","sentiment_score":-0.04042714275419712},{"text":"With this one here, I do need to send through the documents to your emails.","start":96.915,"end":99.875,"sentiment":"neutral","sentiment_score":0.02970867579181989}],"sentiment":"neutral","sentiment_score":0.012019854132086038,"num_words":20,"start":93.555,"end":99.875},{"sentences":[{"text":"It is often easier if you're looking at the advice with me, but I can just take you through the recommendations, and then you're welcome to look at them later.","start":99.875,"end":106.6,"sentiment":"neutral","sentiment_score":0.12259305516878764},{"text":"Are you able to pull up your emails at the moment, or is it better if I just run you through the recommendations, talk you through everything, and then you can read it later on?","start":107.380005,"end":114.66,"sentiment":"neutral","sentiment_score":0.061430440949542184},{"text":"What's more preferable for yourself?","start":114.66,"end":116.235,"sentiment":"neutral","sentiment_score":-0.004796287789940834},{"text":"Yep.","start":118.795,"end":119.295,"sentiment":"neutral","sentiment_score":0.12524256110191345},{"text":"Perfect.","start":121.435,"end":121.935,"sentiment":"positive","sentiment_score":0.5093086361885071}],"sentiment":"neutral","sentiment_score":0.08942259509219891,"num_words":72,"start":99.875,"end":121.935},{"sentences":[{"text":"I've just sent the documents through to you.","start":122.075,"end":124.075,"sentiment":"positive","sentiment_score":0.39931782335042953},{"text":"All good.","start":124.075,"end":124.555,"sentiment":"positive","sentiment_score":0.46729323267936707},{"text":"Now just before we jump into the call completely, just to let you know, we do record our calls for quality and training purposes.","start":124.555,"end":129.435,"sentiment":"neutral","sentiment_score":0.15448687660197416},{"text":"Are you happy for me to proceed with that moving forward?","start":129.435,"end":132.015,"sentiment":"neutral","sentiment_score":0.23861584880135275},{"text":"Fantastic.","start":133.87999,"end":134.37999,"sentiment":"positive","sentiment_score":0.56345534324646}],"sentiment":"neutral","sentiment_score":0.23967486457980197,"num_words":46,"start":122.075,"end":134.37999},{"sentences":[{"text":"Thanks so much for that.","start":134.51999,"end":135.9,"sentiment":"positive","sentiment_score":0.6714721560478211},{"text":"I've just sent that through, so it should hopefully come through fairly quickly from OdooSign.","start":136.28,"end":140.22,"sentiment":"positive","sentiment_score":0.5123671889305115},{"text":"I believe it has my name attached to it as well for you.","start":140.36,"end":143.5,"sentiment":"neutral","sentiment_score":0.31936375911419207},{"text":"Yeah.","start":146.775,"end":147.015,"sentiment":"neutral","sentiment_score":0.08841003477573395},{"text":"You're right.","start":147.015,"end":147.83499,"sentiment":"neutral","sentiment_score":0.13323305547237396}],"sentiment":"positive","sentiment_score":0.4319298230111599,"num_words":36,"start":134.51999,"end":147.83499},{"sentences":[{"text":"Perfect.","start":151.25499,"end":151.75499,"sentiment":"neutral","sentiment_score":0.3037604093551636},{"text":"Yeah.","start":152.135,"end":152.635,"sentiment":"neutral","sentiment_score":0.1601397693157196},{"text":"Now when you open the email, there is quite a few attachments there as well.","start":152.69499,"end":156.45499,"sentiment":"neutral","sentiment_score":0.1118147944410642},{"text":"The main one is the statement of advice.","start":156.45499,"end":158.47499,"sentiment":"neutral","sentiment_score":0.09909418039023876},{"text":"There is a button that says click to sign.","start":159.06,"end":161.3,"sentiment":"neutral","sentiment_score":0.03582470015519195}],"sentiment":"neutral","sentiment_score":0.09577346587663188,"num_words":34,"start":151.25499,"end":161.3},{"sentences":[{"text":"However, you if you click the button, it just lets you go through so you can scroll through the pages.","start":161.3,"end":165.8,"sentiment":"neutral","sentiment_score":0.07623501596972346},{"text":"I'll never ask you to sign anything you haven't read, and it doesn't make you sign anything to move any further forward.","start":166.18001,"end":171.62,"sentiment":"neutral","sentiment_score":-0.1049550934271379},{"text":"Okay.","start":171.62,"end":172.12,"sentiment":"neutral","sentiment_score":0.07477711141109467},{"text":"Perfect.","start":173.705,"end":174.205,"sentiment":"positive","sentiment_score":0.6508035659790039},{"text":"Excellent.","start":174.505,"end":175.005,"sentiment":"positive","sentiment_score":0.6379779577255249}],"sentiment":"neutral","sentiment_score":0.012872153313623534,"num_words":45,"start":161.3,"end":175.005},{"sentences":[{"text":"I mean, sorry.","start":176.745,"end":177.565,"sentiment":"neutral","sentiment_score":0.2823571215073268},{"text":"All good.","start":180.265,"end":180.925,"sentiment":"positive","sentiment_score":0.34184257686138153},{"text":"Now when you are looking at that first page, it should say Oakview Financial statements advice.","start":182.265,"end":187.03,"sentiment":"neutral","sentiment_score":0.0796038443222642},{"text":"Just let me know when you can see that document there.","start":187.03,"end":188.87,"sentiment":"neutral","sentiment_score":0.06875483251430771},{"text":"So when you can see, fantastic.","start":188.87,"end":190.33,"sentiment":"positive","sentiment_score":0.3747108330329259}],"sentiment":"neutral","sentiment_score":0.15286805745410292,"num_words":38,"start":176.745,"end":190.33},{"sentences":[{"text":"It has been prepared for yourself, Lisa Andrews, as of the 03/06/2026.","start":191.35,"end":196.33,"sentiment":"positive","sentiment_score":0.36796361456314725},{"text":"Our advice documents are dated for sixty days.","start":196.47,"end":198.83499,"sentiment":"neutral","sentiment_score":0.20314550586044788},{"text":"However, if it does take longer for you to review, it's no problem at all.","start":198.83499,"end":202.11499,"sentiment":"neutral","sentiment_score":0.2493079404036204},{"text":"We can just reconfirm your circumstances and still proceed after that time frame.","start":202.11499,"end":206.435,"sentiment":"neutral","sentiment_score":0.23145261750771448},{"text":"Okay?","start":206.435,"end":206.935,"sentiment":"neutral","sentiment_score":0.1282120645046234}],"sentiment":"neutral","sentiment_score":0.26362127795511364,"num_words":49,"start":191.35,"end":206.935},{"sentences":[{"text":"On the bottom of the page, it has been prepared by myself and my beautiful team here at Oakview Financial.","start":208.275,"end":212.84,"sentiment":"neutral","sentiment_score":0.1657791905105114},{"text":"My representative number is 13043 fine sorry.","start":213.06,"end":216.90001,"sentiment":"neutral","sentiment_score":0.07883492857217789},{"text":"1304394.","start":216.90001,"end":218.76001,"sentiment":"neutral","sentiment_score":0.08795244991779327},{"text":"It is registered through ASIC, so you can always look me up if you do need to.","start":218.98001,"end":222.90001,"sentiment":"neutral","sentiment_score":0.10817636549472809},{"text":"I've also attached this document any PDFs and also the financial services guide.","start":222.90001,"end":228.22499,"sentiment":"neutral","sentiment_score":0.134063815841308}],"sentiment":"neutral","sentiment_score":0.1299518720600112,"num_words":58,"start":208.275,"end":228.22499},{"sentences":[{"text":"So you're welcome to have a look at me in there as well.","start":228.22499,"end":230.385,"sentiment":"neutral","sentiment_score":0.18839852397258466},{"text":"Okay?","start":230.385,"end":230.885,"sentiment":"neutral","sentiment_score":0.11668460071086884},{"text":"Perfect.","start":231.905,"end":232.405,"sentiment":"neutral","sentiment_score":0.32041025161743164},{"text":"So what I'll do is I'll just go through this sort of page by page.","start":233.265,"end":235.98499,"sentiment":"neutral","sentiment_score":0.11347369949022929},{"text":"If you need me to stop, please let me know.","start":235.98499,"end":238.245,"sentiment":"neutral","sentiment_score":0.04278703033924103}],"sentiment":"neutral","sentiment_score":0.12540628649294377,"num_words":40,"start":228.22499,"end":238.245},{"sentences":[{"text":"I'll run through the recommendations for hitting the points that we need to touch.","start":238.5,"end":242.04,"sentiment":"neutral","sentiment_score":0.09141038358211517},{"text":"If you have any questions or you wanna interrupt me at any point, please just jump in.","start":242.5,"end":247.22,"sentiment":"neutral","sentiment_score":0.03776573882821728},{"text":"Okay?","start":247.22,"end":247.72,"sentiment":"neutral","sentiment_score":0.03364722430706024},{"text":"Beautiful.","start":248.57999,"end":249.07999,"sentiment":"positive","sentiment_score":0.4092748165130615},{"text":"Now all advice is provided under the best interest duty, and it does know what the best interest duty is on the next page there for you.","start":250.09999,"end":256.195,"sentiment":"neutral","sentiment_score":0.1620228878325886}],"sentiment":"neutral","sentiment_score":0.11232171570882202,"num_words":60,"start":238.5,"end":256.195},{"sentences":[{"text":"It's about making sure financial advisers are here to meet your goals and we're working towards your goals.","start":256.335,"end":260.495,"sentiment":"neutral","sentiment_score":0.21742302841610378},{"text":"This is the first advice document.","start":260.495,"end":262.275,"sentiment":"neutral","sentiment_score":0.08689828589558601},{"text":"Moving forward, if you decide to come on, as the client will be able to update the advice and make alterations as your life changes.","start":262.575,"end":268.915,"sentiment":"neutral","sentiment_score":0.13575617760419845},{"text":"Okay?","start":269.135,"end":269.635,"sentiment":"neutral","sentiment_score":0.08013412356376648},{"text":"The next page is a table of contents.","start":271.2,"end":272.96,"sentiment":"neutral","sentiment_score":0.03050392773002386}],"sentiment":"neutral","sentiment_score":0.14057024504090176,"num_words":58,"start":256.335,"end":272.96},{"sentences":[{"text":"You can just go completely past that one.","start":272.96,"end":275.22,"sentiment":"neutral","sentiment_score":0.034265764988958836},{"text":"And the next couple of pages, it is outlining what we're scoping in and scoping out.","start":275.44,"end":280.16,"sentiment":"neutral","sentiment_score":0.05847008526325226},{"text":"So the main areas that we are looking at is superannuation.","start":280.16,"end":282.58,"sentiment":"neutral","sentiment_score":0.04296353323893114},{"text":"You have an aim of retiring about the age of 60.","start":283.12,"end":285.7,"sentiment":"neutral","sentiment_score":0.23792096701535312},{"text":"Between yourself and Scott, you're wanting to be able to draw down about $6,000 per month, so about 3,000 from each of your super funds on a monthly basis to be able to fund your retirement there.","start":286.195,"end":297.635,"sentiment":"neutral","sentiment_score":0.2756008477629842}],"sentiment":"neutral","sentiment_score":0.1746579319777259,"num_words":83,"start":272.96,"end":297.635},{"sentences":[{"text":"So we're looking at your super funds.","start":297.635,"end":299.475,"sentiment":"neutral","sentiment_score":0.2830384394952229},{"text":"You've got two of them at the moment and looking at how we can make those work as much as possible towards those goals for you.","start":299.475,"end":305.66,"sentiment":"positive","sentiment_score":0.3375079849591622},{"text":"We're also looking at the insurance side of things.","start":306.04,"end":308.36002,"sentiment":"neutral","sentiment_score":0.12242856870094936},{"text":"You do have a bit of life and t b in your current private super at the moment.","start":308.36002,"end":312.22,"sentiment":"neutral","sentiment_score":0.09894740208983421},{"text":"We looked at what to do with that to keep the current level of cover, but also making sure to re try and reduce the premiums if at all possible so you have more money working harder for you.","start":312.225,"end":321.285,"sentiment":"neutral","sentiment_score":0.20592117462402734}],"sentiment":"neutral","sentiment_score":0.21889204900674145,"num_words":99,"start":297.635,"end":321.285},{"sentences":[{"text":"And I also did do a bit of a really good review of your employer paid income protection policy, and I've got some recommendations in there for that for you and run you through a bit of information there as well.","start":321.585,"end":332.24,"sentiment":"neutral","sentiment_score":0.32723092124229525},{"text":"Okay?","start":332.24,"end":332.74,"sentiment":"positive","sentiment_score":0.36939913034439087},{"text":"Excellent.","start":333.76,"end":334.26,"sentiment":"positive","sentiment_score":0.7318540811538696},{"text":"I've also factored in the estate planning side of things for you.","start":334.96,"end":338.145,"sentiment":"positive","sentiment_score":0.47416077305873233},{"text":"So we have it's really important when we are looking at superannuation that we are looking at making sure your beneficiaries are up to date.","start":338.625,"end":345.185,"sentiment":"neutral","sentiment_score":0.2639623212814331}],"sentiment":"positive","sentiment_score":0.33508385363966225,"num_words":80,"start":321.585,"end":345.185},{"sentences":[{"text":"One of the biggest things we see in this industry is a lot of people passing away unexpectedly and not having beneficiaries' wills and power of attorneys and things like that set up.","start":345.185,"end":354.54,"sentiment":"neutral","sentiment_score":-0.07851170996824901},{"text":"So we do like to factor in the estate planning side of things to make sure that those little extras are completed.","start":354.54,"end":360.32,"sentiment":"neutral","sentiment_score":0.25922289422967215},{"text":"So at the worst possible time that your, you know, your wishes can be adhered to, and your family can receive their payments as quickly as possible.","start":360.62,"end":367.685,"sentiment":"positive","sentiment_score":0.3427905335470482},{"text":"Okay?","start":367.82498,"end":368.32498,"sentiment":"neutral","sentiment_score":0.15393993258476257},{"text":"Perfect.","start":369.26498,"end":369.76498,"sentiment":"positive","sentiment_score":0.48906928300857544}],"sentiment":"neutral","sentiment_score":0.1548853674460025,"num_words":84,"start":345.185,"end":369.76498},{"sentences":[{"text":"On the next page, we've got there the limited scope there.","start":371.025,"end":373.425,"sentiment":"neutral","sentiment_score":-0.010294732214374975},{"text":"So we are looking at the retirement planning side to a limited extent.","start":373.425,"end":376.38498,"sentiment":"neutral","sentiment_score":-0.07254653166119869},{"text":"You're still a little bit further away, but about twelve years until you're able to retire at this point.","start":376.38498,"end":380.625,"sentiment":"neutral","sentiment_score":-0.07807147968560457},{"text":"So because we're over ten years, there are still some changes that could occur in your life, but we are working towards the retirement goal there.","start":380.625,"end":387.3,"sentiment":"neutral","sentiment_score":0.024804234504699707},{"text":"So I have scoped into a limited extent to show you the projected outcome based on other recommendations and what we're looking at today, and then we'll keep evolving this moving forward for you as well.","start":387.3,"end":397.865,"sentiment":"neutral","sentiment_score":0.17822735632459322}],"sentiment":"neutral","sentiment_score":0.04306085566502242,"num_words":105,"start":371.025,"end":397.865},{"sentences":[{"text":"Okay?","start":397.865,"end":398.365,"sentiment":"neutral","sentiment_score":0.1218000203371048},{"text":"Areas that we're not looking at the moment are debt and cash on budgeting.","start":399.94498,"end":403.965,"sentiment":"neutral","sentiment_score":-0.10273563303053379},{"text":"You've sold your property, and you've got your CD bill to come out.","start":404.345,"end":407.91,"sentiment":"neutral","sentiment_score":-0.142298263999132},{"text":"You guys have got some money set away for that currently.","start":407.91,"end":410.65,"sentiment":"neutral","sentiment_score":-0.25631557404994965},{"text":"We're not providing any additional advice in the area at the moment, but down the track, if you do need any additional advice on debt reduction or cash on budgeting or investments or anything else there, please come and have a chat to me.","start":411.43,"end":422.295,"sentiment":"neutral","sentiment_score":-0.025793121619658035}],"sentiment":"neutral","sentiment_score":-0.08579210770956006,"num_words":83,"start":397.865,"end":422.295},{"sentences":[{"text":"We can provide areas other than super retirement with full licensed advisers, and we just sort of help to look at what area you need advice in, what we can do to help in that area.","start":422.535,"end":431.89502,"sentiment":"neutral","sentiment_score":0.2097386179698838},{"text":"If we can help, we'll certainly find someone who can for you.","start":431.89502,"end":435.095,"sentiment":"neutral","sentiment_score":0.24166293069720268},{"text":"Okay?","start":435.095,"end":435.595,"sentiment":"neutral","sentiment_score":0.05001961067318916},{"text":"Perfect.","start":436.97,"end":437.47,"sentiment":"neutral","sentiment_score":-0.16023816168308258},{"text":"We're also not looking at any trauma.","start":438.09,"end":439.77,"sentiment":"neutral","sentiment_score":-0.26086666754313875}],"sentiment":"neutral","sentiment_score":0.1493729858152699,"num_words":57,"start":422.535,"end":439.77},{"sentences":[{"text":"So we did talk about trauma in our last call.","start":439.77,"end":442.19,"sentiment":"neutral","sentiment_score":-0.17608848810195923},{"text":"Trauma is an out of pocket expense.","start":442.33,"end":443.93,"sentiment":"negative","sentiment_score":-0.3776319665568216},{"text":"You didn't sort of wanna increase those.","start":443.93,"end":445.53,"sentiment":"negative","sentiment_score":-0.35884295616831097},{"text":"At the moment, life isn't expensive enough with everything that's going on.","start":445.53,"end":449.325,"sentiment":"neutral","sentiment_score":-0.29814821605881053},{"text":"So we've scoped that out for now.","start":450.285,"end":452.36502,"sentiment":"neutral","sentiment_score":0.010962180261101042}],"sentiment":"neutral","sentiment_score":-0.24226169002264045,"num_words":43,"start":439.77,"end":452.36502},{"sentences":[{"text":"But if you ever wanted to talk about trauma or reassess that in any way, let me know.","start":452.36502,"end":456.52502,"sentiment":"neutral","sentiment_score":-0.03540947515931395},{"text":"I'm more than happy to have a chat about it.","start":456.52502,"end":458.685,"sentiment":"positive","sentiment_score":0.4624186873435974},{"text":"Okay?","start":458.685,"end":459.185,"sentiment":"neutral","sentiment_score":0.11412115395069122},{"text":"Beautiful.","start":460.685,"end":461.185,"sentiment":"positive","sentiment_score":0.4647209942340851},{"text":"The next page is the limited advice scope.","start":461.48502,"end":463.44,"sentiment":"neutral","sentiment_score":0.02694384311325848}],"sentiment":"neutral","sentiment_score":0.1258212950962939,"num_words":38,"start":452.36502,"end":463.44},{"sentences":[{"text":"So this is letting you know that we scope in and out areas that we are and are not providing advice.","start":463.44,"end":467.38,"sentiment":"neutral","sentiment_score":-0.025481903659445897},{"text":"You'll get to take this back and have a really good read of the document.","start":467.68002,"end":470.58002,"sentiment":"neutral","sentiment_score":0.06590456366539002},{"text":"A lot of what I go through can be quite a lot.","start":471.04,"end":473.68002,"sentiment":"neutral","sentiment_score":-0.1399895486732324},{"text":"So I'll go through the things I need to, then you can take it away and have a good read of everything, and just let me know if you do have any questions at any point in time.","start":473.68002,"end":481.715,"sentiment":"neutral","sentiment_score":0.07797532254143764},{"text":"When it comes to the estate planning side of things, we're not lawyers, but we can refer you to lawyers for the requirements of setting up a will, power of attorney, and anything estate planning wise.","start":482.175,"end":490.995,"sentiment":"neutral","sentiment_score":0.024440932475651305}],"sentiment":"neutral","sentiment_score":0.02144680098157193,"num_words":122,"start":463.44,"end":490.995},{"sentences":[{"text":"We look at personal insurances, so things like life, CBD, income protection, and trauma, certain general insurances like home and contents, motor insurances, public liability, and business cover.","start":492.16,"end":503.38,"sentiment":"neutral","sentiment_score":0.05676189025065729},{"text":"We tend to not look at any of those.","start":503.575,"end":505.17502,"sentiment":"neutral","sentiment_score":-0.020597543153497908},{"text":"There's a lot of different factors to take into consideration, but we can always refer you through to a general insurance broker should you require those services at all.","start":505.17502,"end":513.59503,"sentiment":"neutral","sentiment_score":0.13511576092448727},{"text":"And the last bit there is under the Better Advice Act 2021.","start":514.615,"end":517.895,"sentiment":"neutral","sentiment_score":0.1474473774433136},{"text":"I am a qualified relevant tax provider, so that means I can provide financial advice on tax and tax related matters.","start":517.895,"end":523.42,"sentiment":"neutral","sentiment_score":0.23709211604935782}],"sentiment":"neutral","sentiment_score":0.12192540476569022,"num_words":99,"start":492.16,"end":523.42},{"sentences":[{"text":"However, we're not accountants, so I like to think we're a little bit more fun than accountants.","start":523.95996,"end":528.68,"sentiment":"neutral","sentiment_score":0.20115802875336478},{"text":"We help you to look at minimizing or, you know, helping to reduce the amount of tax in advance depending on the circumstances where the accountants will say you've sold this, you've got this bill, you've gotta pay that amount of tax.","start":528.68,"end":539.385,"sentiment":"neutral","sentiment_score":0.28623688593506813},{"text":"So it's a little bit different, but we can refer you through to an account if you did require those services as 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similar?","start":553.6,"end":560.5,"sentiment":"neutral","sentiment_score":-0.039912274852395055},{"text":"Yep.","start":569.485,"end":569.885,"sentiment":"neutral","sentiment_score":-0.04340325295925141},{"text":"Oh, what's what's happening 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be a very different vibe for you.","start":595.35504,"end":597.775,"sentiment":"neutral","sentiment_score":0.015567064750939608},{"text":"Yeah.","start":599.77,"end":600.09,"sentiment":"neutral","sentiment_score":0.08658015727996826},{"text":"Well, that is something to I'll make sure that I do touch touch base with him very soon and have a conversation and a bit of a catch up there for him to see how all that's going and see what made the changes that might might include in the advice world for him.","start":600.09,"end":612.33,"sentiment":"neutral","sentiment_score":0.11052802929447757}],"sentiment":"neutral","sentiment_score":0.09810469654890207,"num_words":65,"start":590.395,"end":612.33},{"sentences":[{"text":"Okay.","start":612.33,"end":612.83,"sentiment":"neutral","sentiment_score":0.13710635900497437},{"text":"Beautiful.","start":613.85004,"end":614.35004,"sentiment":"positive","sentiment_score":0.527142345905304},{"text":"Yep.","start":617.58496,"end":618.08496,"sentiment":"neutral","sentiment_score":0.32070788741111755},{"text":"Yep.","start":621.265,"end":621.765,"sentiment":"positive","sentiment_score":0.4100906550884247},{"text":"Yeah.","start":625.58496,"end":626.08496,"sentiment":"neutral","sentiment_score":0.3003256320953369}],"sentiment":"positive","sentiment_score":0.3390745759010315,"num_words":5,"start":612.33,"end":626.08496},{"sentences":[{"text":"Absolutely.","start":628.08,"end":628.58,"sentiment":"neutral","sentiment_score":0.3198625445365906},{"text":"No.","start":629.04,"end":629.36,"sentiment":"neutral","sentiment_score":0.03380035609006882},{"text":"Definitely.","start":629.36,"end":629.86,"sentiment":"neutral","sentiment_score":0.08875080198049545},{"text":"Well, what we'll do is once you're happy and if you decide to take on the advice and come on board, I'll have external third party authority set up for both of you.","start":629.92,"end":637.54,"sentiment":"neutral","sentiment_score":0.272583749258157},{"text":"So we'll both get you to sign those so we can have them applied to the both of you.","start":637.68,"end":647.56494,"sentiment":"neutral","sentiment_score":0.2678689235135129}],"sentiment":"neutral","sentiment_score":0.26413067227060144,"num_words":55,"start":628.08,"end":647.56494},{"sentences":[{"text":"Okay?","start":647.56494,"end":648.06494,"sentiment":"neutral","sentiment_score":0.1733652949333191},{"text":"Perfect.","start":649.00494,"end":649.50494,"sentiment":"positive","sentiment_score":0.5037526488304138},{"text":"The next page outlines your assets and liabilities there.","start":650.285,"end":652.76495,"sentiment":"neutral","sentiment_score":0.15297508405314553},{"text":"I know there could be some changes made in the time that we have spoken to when we gather the original data.","start":652.76495,"end":658.46,"sentiment":"neutral","sentiment_score":0.06821248527954925},{"text":"Is there anything major that you would want sort of updated, or is everything still relatively correct as per your circumstances?","start":658.46,"end":665.04004,"sentiment":"neutral","sentiment_score":0.029915595959339823}],"sentiment":"neutral","sentiment_score":0.07745918317663449,"num_words":54,"start":647.56494,"end":665.04004},{"sentences":[{"text":"Yep.","start":668.735,"end":669.235,"sentiment":"neutral","sentiment_score":0.05664713308215141},{"text":"Oh, no.","start":674.01495,"end":674.495,"sentiment":"neutral","sentiment_score":0.00969085656106472},{"text":"That's okay.","start":674.495,"end":675.055,"sentiment":"neutral","sentiment_score":0.08556866645812988},{"text":"That's just because this is your 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fine.","start":682.88995,"end":684.43,"sentiment":"neutral","sentiment_score":0.18681576351324716}],"sentiment":"neutral","sentiment_score":0.11885545982254876,"num_words":18,"start":677.055,"end":684.43},{"sentences":[{"text":"We also know your current superannuation balances between your Brighter and q super there for you, and the next page outlines the current insurance policy that you do have paid out of Brighter Super there as well.","start":684.73,"end":695.76996,"sentiment":"neutral","sentiment_score":0.12090027020186991},{"text":"Okay?","start":695.76996,"end":696.26996,"sentiment":"neutral","sentiment_score":0.06160161644220352},{"text":"Yes.","start":696.495,"end":696.995,"sentiment":"neutral","sentiment_score":0.04366348683834076},{"text":"No.","start":706.815,"end":707.055,"sentiment":"neutral","sentiment_score":-0.05044335871934891},{"text":"This is just the the main primary residence.","start":707.055,"end":709.395,"sentiment":"neutral","sentiment_score":-0.029404730303213}],"sentiment":"neutral","sentiment_score":0.08943528957509746,"num_words":48,"start":684.73,"end":709.395},{"sentences":[{"text":"Yeah.","start":710.81,"end":711.05,"sentiment":"neutral","sentiment_score":-0.01017577014863491},{"text":"Yep.","start":711.05,"end":711.55,"sentiment":"neutral","sentiment_score":0.10176878422498704},{"text":"Perfect.","start":711.61,"end":712.11,"sentiment":"neutral","sentiment_score":0.3078100085258484},{"text":"The next couple of pages outline of the risk profile.","start":714.25,"end":716.89,"sentiment":"neutral","sentiment_score":0.11186126731336117},{"text":"So we did go through those questionnaires.","start":716.89,"end":718.41003,"sentiment":"neutral","sentiment_score":0.0876344506229673}],"sentiment":"neutral","sentiment_score":0.10657284250482917,"num_words":20,"start":710.81,"end":718.41003},{"sentences":[{"text":"We talked about the level of risk and how we should be investing funds for you.","start":718.41003,"end":722.415,"sentiment":"neutral","sentiment_score":-0.032857590820640326},{"text":"We ended up on that growth portfolio there.","start":722.57495,"end":724.65497,"sentiment":"neutral","sentiment_score":0.06409171130508184},{"text":"This just outlines a bit more detail around what the growth portfolio is and a bit more detail there, but I'll make sure I go through this in a lot more detail below for you as well.","start":724.65497,"end":733.535,"sentiment":"neutral","sentiment_score":0.14697468582842801},{"text":"Okay?","start":733.535,"end":734.035,"sentiment":"neutral","sentiment_score":0.1628718376159668},{"text":"The next page is the start of the recommendations.","start":735.55,"end":737.49,"sentiment":"neutral","sentiment_score":0.1651966447631518}],"sentiment":"neutral","sentiment_score":0.09964390497812083,"num_words":71,"start":718.41003,"end":737.49},{"sentences":[{"text":"So to start with, I am recommending that we do move you out of Brighter Super and into a new Hub twenty four super fund.","start":737.95,"end":744.77,"sentiment":"neutral","sentiment_score":0.042929960191249845},{"text":"Hub twenty four is a retail rep platform, and, essentially, advisors like them because we can build portfolios.","start":744.99,"end":751.445,"sentiment":"neutral","sentiment_score":0.24743530568149355},{"text":"Hub twenty four allows us access to about a little over 1,100 different investment options, everything from managed funds, exchange traded funds, right, and the individual companies in Australia and on overseas exchanges as well.","start":751.665,"end":763.585,"sentiment":"neutral","sentiment_score":0.32259910447256906},{"text":"So we can build portfolios that are working really well for yourself and making sure that we alter and change those moving forward as well.","start":763.585,"end":770.76,"sentiment":"positive","sentiment_score":0.6273654985427857},{"text":"So we did actually have a really good look at the research, and I am recommending that we do move you from Brighter Super and in into Hub twenty four.","start":770.76,"end":778.455,"sentiment":"positive","sentiment_score":0.34544175763924917}],"sentiment":"neutral","sentiment_score":0.3222965665889862,"num_words":133,"start":737.95,"end":778.455},{"sentences":[{"text":"That will mean that all contributions will be directed to Hub twenty four as well.","start":778.935,"end":783.255,"sentiment":"neutral","sentiment_score":0.29940913021564486},{"text":"We will start by only transferring a partial rollover.","start":783.255,"end":786.155,"sentiment":"neutral","sentiment_score":0.12346150477727254},{"text":"We'll leave 10,000 behind to begin with to keep your insurances in force until we are able to change the insurances, and I'll let you know a little bit below what we're doing with those as well.","start":786.215,"end":796.14,"sentiment":"neutral","sentiment_score":0.1666109169254432},{"text":"Okay?","start":796.14,"end":796.64,"sentiment":"neutral","sentiment_score":0.08793666213750839},{"text":"You'll see on each of these pages under the under the recommendation, we have a best interest duty statement.","start":798.3,"end":803.82,"sentiment":"neutral","sentiment_score":0.15612953705222984}],"sentiment":"neutral","sentiment_score":0.18297891714322714,"num_words":81,"start":778.935,"end":803.82},{"sentences":[{"text":"So this is essentially outlining how the how the recommendations are in yours of the best interest in line with your goals.","start":803.82,"end":810.53503,"sentiment":"neutral","sentiment_score":0.3228201893242923},{"text":"You'll see each and every one of those.","start":810.91504,"end":812.435,"sentiment":"neutral","sentiment_score":0.14557812828570604},{"text":"I'll let you have a bit of a read through those shortly, but it's about just making sure that things are working harder for you.","start":812.435,"end":817.895,"sentiment":"neutral","sentiment_score":0.09525645166635513},{"text":"If I can get you just to skip a few pages for me and sorta head on down to page number sorry.","start":818.11505,"end":824.93,"sentiment":"neutral","sentiment_score":0.01724329082803293},{"text":"Let me skip a little bit and pop down to page number 22.","start":825.31,"end":828.29,"sentiment":"neutral","sentiment_score":0.05951684168898142}],"sentiment":"neutral","sentiment_score":0.13112390914724933,"num_words":90,"start":803.82,"end":828.29},{"sentences":[{"text":"I can go through this recommendation in a bit more detail there for you and give you a bit more of an explanation.","start":828.43,"end":833.65,"sentiment":"neutral","sentiment_score":0.15381993023354723},{"text":"So this is this is essentially the fee comparison table, and it shows your current scenario.","start":834.83,"end":840.08496,"sentiment":"neutral","sentiment_score":0.045983208110556006},{"text":"So you've got Vita Super with your current balance there.","start":840.08496,"end":842.485,"sentiment":"neutral","sentiment_score":0.13462829664349557},{"text":"You've got your administration fees, investment fees, any other fees that might be applicable to the fund.","start":842.485,"end":847.71,"sentiment":"neutral","sentiment_score":0.08882764266694293},{"text":"There's no adviser fees being deducted there.","start":848.19,"end":850.19,"sentiment":"neutral","sentiment_score":0.12167084163853101}],"sentiment":"neutral","sentiment_score":0.10933751381346829,"num_words":73,"start":828.43,"end":850.19},{"sentences":[{"text":"You've got your contributions going in and then also got your current insurance premiums there for you as well.","start":850.19,"end":855.49005,"sentiment":"neutral","sentiment_score":0.16212464790595205},{"text":"Within your current super fund within Brighter Bay, you're actually in a balanced growth portfolio, which is a little bit lower.","start":855.95,"end":863.085,"sentiment":"neutral","sentiment_score":0.2167785277678853},{"text":"So a a growth portfolio was seen as a step higher than where the balance growth is.","start":863.085,"end":867.245,"sentiment":"neutral","sentiment_score":0.2049028110854766},{"text":"So by moving into hub twenty four, we're able to put you into a growth portfolio, which increases those growth investments, which is where you get a lot more of those returns moving forward from.","start":867.245,"end":876.865,"sentiment":"positive","sentiment_score":0.40364742023604255},{"text":"So with the recommended, as I mentioned, we are recommending that we move you out of Brighter Super and into hub into hub 24.","start":878.16003,"end":884.02,"sentiment":"neutral","sentiment_score":0.05779823660850525}],"sentiment":"neutral","sentiment_score":0.2295765738677362,"num_words":116,"start":850.19,"end":884.02},{"sentences":[{"text":"Essentially, what we can do is we can link these supers together and aggregate the fees behind the scenes to kind of reduce any fee as possible, but it means that we have a lot more access to the funds.","start":884.48004,"end":894.02496,"sentiment":"neutral","sentiment_score":0.1989101918414235},{"text":"We are recommending with your investment portfolio, we'll still have you in that growth portfolio, but we're gonna move you into our, SMA, so our separately managed account.","start":894.32495,"end":903.225,"sentiment":"neutral","sentiment_score":0.11067218014172145},{"text":"With this growth portfolio, it's gonna be a mix of what we call the bloom and evergreen funds.","start":904.07996,"end":908.88,"sentiment":"neutral","sentiment_score":0.16661706152889463},{"text":"It's a mix of the the medium to growth funds to give you that sort of eighty twenty split of growth versus defensive assets there.","start":908.88,"end":917.835,"sentiment":"neutral","sentiment_score":0.12430341094732285},{"text":"Having the SMA is a benefit because if you have a look at the bottom here, utilizing the five year rolling average by moving into the SMA, it has seen a greater past return over the last five years.","start":918.715,"end":928.335,"sentiment":"positive","sentiment_score":0.44629096602782226}],"sentiment":"neutral","sentiment_score":0.2304484584927559,"num_words":150,"start":884.48004,"end":928.335},{"sentences":[{"text":"So if the market's performed the way they have, you can see yourself in a better position moving forward there as well.","start":928.395,"end":933.81,"sentiment":"positive","sentiment_score":0.5696215182542801},{"text":"The other reason for this is whilst the administration fees at the top are slightly higher with Hub twenty four, your investment fees are actually lower.","start":934.37,"end":943.27,"sentiment":"neutral","sentiment_score":0.2515747378078791},{"text":"So you actually end up saving quite significantly.","start":943.89,"end":946.87,"sentiment":"positive","sentiment_score":0.6125659570097923},{"text":"So you're you with the admin fees, Hub twenty four is about $550 more than what Brighter Super is.","start":947.25,"end":953.575,"sentiment":"neutral","sentiment_score":0.13315310446839584},{"text":"However, the investment fees, you actually save $967.","start":953.715,"end":957.47504,"sentiment":"positive","sentiment_score":0.3696561064571142}],"sentiment":"positive","sentiment_score":0.3549433985208891,"num_words":83,"start":928.395,"end":957.47504},{"sentences":[{"text":"So when you sort of subtract the two, you're about 417 in front than what you would see with Brightness.","start":957.47504,"end":963.74,"sentiment":"neutral","sentiment_score":0.3099710814654827},{"text":"You're actually saving $417 for the first year there.","start":963.74,"end":967.02,"sentiment":"positive","sentiment_score":0.6623354223039415},{"text":"So that's more money invested in your in your super compounding working harder for you at the end of the day as well, which is really important.","start":967.02,"end":973.68,"sentiment":"positive","sentiment_score":0.6598553834138093},{"text":"Okay?","start":973.98,"end":974.48,"sentiment":"neutral","sentiment_score":0.23434631526470184},{"text":"Perfect.","start":976.47504,"end":976.97504,"sentiment":"positive","sentiment_score":0.5982069373130798}],"sentiment":"positive","sentiment_score":0.5311911902550993,"num_words":58,"start":957.47504,"end":976.97504},{"sentences":[{"text":"We obviously do have our ongoing service and adviser fees to note as well.","start":977.11505,"end":980.955,"sentiment":"neutral","sentiment_score":0.2036084309220314},{"text":"So one of the things we did talk about is if you come on board, we would be charging an upfront implementation fee to go through the implementation of the adviser.","start":980.955,"end":988.73505,"sentiment":"neutral","sentiment_score":0.12753669845481072},{"text":"So it is 3.3%.","start":988.955,"end":990.92004,"sentiment":"neutral","sentiment_score":0.09795055724680424},{"text":"It is capped at a $150,000 balance.","start":990.92004,"end":993.82,"sentiment":"neutral","sentiment_score":0.08528194682938713},{"text":"So the most you'd pay for that is 4,950.","start":994.2,"end":997.42004,"sentiment":"neutral","sentiment_score":0.13032809479369056}],"sentiment":"neutral","sentiment_score":0.13793668299913406,"num_words":65,"start":977.11505,"end":997.42004},{"sentences":[{"text":"The way the implementation technically works with this recommendation is that we start by rolling over a partial rollover.","start":997.64,"end":1003.625,"sentiment":"neutral","sentiment_score":0.1257643715331429},{"text":"We leave $10,000 behind in Brighter Super.","start":1003.685,"end":1006.34503,"sentiment":"neutral","sentiment_score":0.12588096729346684},{"text":"We then invest the money in Hub.","start":1006.885,"end":1008.825,"sentiment":"neutral","sentiment_score":0.16231589232172286},{"text":"As the money has been invested in Hub, once it has been received by Hub twenty four, the $4.09 $5.00 comes out of the cash account nice and quickly, and then we invest the rest of the funds.","start":1008.965,"end":1018.68,"sentiment":"positive","sentiment_score":0.36635642341877284},{"text":"And the balance at the top, the starting balance is the estimated that we expect to have after that $4.09 $5.00 has been deducted.","start":1018.82,"end":1026.04,"sentiment":"positive","sentiment_score":0.34933750579754513}],"sentiment":"neutral","sentiment_score":0.2811846874262157,"num_words":95,"start":997.64,"end":1026.04},{"sentences":[{"text":"And we have that invested in the portfolio nice and quick so it can make that money back for you and then start compounding and growing.","start":1026.26,"end":1032.895,"sentiment":"positive","sentiment_score":0.5545499416498038},{"text":"Okay?","start":1033.0349,"end":1033.5349,"sentiment":"neutral","sentiment_score":0.17781776189804077},{"text":"Perfect.","start":1034.7949,"end":1035.2949,"sentiment":"positive","sentiment_score":0.4541042745113373},{"text":"You also probably noted in there that the the cost of the insurance is is slightly lower as well.","start":1035.9149,"end":1042.255,"sentiment":"neutral","sentiment_score":0.16053622215986252},{"text":"Essentially, what I'm recommending with the insurance side of things is that we actually transfer your cover over.","start":1043.115,"end":1049.6799,"sentiment":"neutral","sentiment_score":0.10733835233582391}],"sentiment":"neutral","sentiment_score":0.3081922935751768,"num_words":65,"start":1026.26,"end":1049.6799},{"sentences":[{"text":"So one of the big things we talked about last time was that you didn't really wanna be paying a lot for insurances.","start":1049.6799,"end":1055.5399,"sentiment":"neutral","sentiment_score":0.07463979629961692},{"text":"Your super is kind of the main aspect of this, and this is the main most important part of it.","start":1055.6799,"end":1061.145,"sentiment":"neutral","sentiment_score":0.2534257769584656},{"text":"So we are recommending here that we just transfer your cover over.","start":1061.465,"end":1066.2051,"sentiment":"neutral","sentiment_score":0.13577756906549135},{"text":"We'll keep the same level of cup you have in rider super and transfer it over, and it essentially means that you're paying about half the price there for that cover.","start":1067.145,"end":1076.285,"sentiment":"neutral","sentiment_score":0.2668194141118757},{"text":"Okay.","start":1076.425,"end":1076.925,"sentiment":"neutral","sentiment_score":0.11120351403951644}],"sentiment":"neutral","sentiment_score":0.19307088545234552,"num_words":87,"start":1049.6799,"end":1076.925},{"sentences":[{"text":"You'll keep the same level of life and TPD.","start":1077.68,"end":1079.76,"sentiment":"neutral","sentiment_score":0.3206410805384318},{"text":"We just transfer it straight to hub 24, and it essentially is the same cover but a less cost.","start":1079.76,"end":1085.86,"sentiment":"neutral","sentiment_score":0.19726568225182986},{"text":"One of the big things to sort of note is with your current cover in Brighter Super and the advantages and disadvantages, which are important to note as well, with your Brighter Super life and TBD, you're actually getting a little bit extra pay by your employer to cover the cost of that.","start":1086.24,"end":1101.045,"sentiment":"neutral","sentiment_score":0.039297857936823145},{"text":"So your life and TBD in Brighter Super is actual employer paid.","start":1101.045,"end":1104.905,"sentiment":"neutral","sentiment_score":0.11263479913274448},{"text":"They're paying that $306 per per per year for that, and that amount of money is added to your contributions.","start":1104.9651,"end":1111.53,"sentiment":"neutral","sentiment_score":0.08555084373801947}],"sentiment":"neutral","sentiment_score":0.1042410497578372,"num_words":113,"start":1077.68,"end":1111.53},{"sentences":[{"text":"By transferring this over, whilst you are lowering the cost of the insurance premiums, it does mean that your insurance your employer will stop paying those premiums.","start":1112.0701,"end":1120.89,"sentiment":"neutral","sentiment_score":0.1906872500355045},{"text":"The cost of $1.50 will come out of your contributions.","start":1121.03,"end":1124.115,"sentiment":"neutral","sentiment_score":0.21827390491962434},{"text":"But when I weighed up the difference so I did actually go back and do the math and have a look at the difference there.","start":1125.295,"end":1130.035,"sentiment":"neutral","sentiment_score":0.1630798864364624},{"text":"By reducing the cost of the insurance premiums, even though your employer won't be paying those on your behalf anymore, you actually save a lot more money.","start":1130.655,"end":1138.6699,"sentiment":"positive","sentiment_score":0.4139366194053932},{"text":"So the advantages outweigh the disadvantages of not transferring that over versus your employer covering the cost of the insurance.","start":1138.6699,"end":1146.19,"sentiment":"neutral","sentiment_score":0.09106803275644779}],"sentiment":"neutral","sentiment_score":0.2239077187168899,"num_words":109,"start":1112.0701,"end":1146.19},{"sentences":[{"text":"Does that that make sense?","start":1146.19,"end":1147.4099,"sentiment":"neutral","sentiment_score":0.16662029325962066},{"text":"Yeah.","start":1149.005,"end":1149.505,"sentiment":"neutral","sentiment_score":0.14198370277881622},{"text":"Other than that so that's essentially the recommendation.","start":1150.6849,"end":1152.7849,"sentiment":"neutral","sentiment_score":0.14348514191806316},{"text":"They're rolling the money over, moving into the hub 24, investing in the estimate with that growth percentage there.","start":1152.845,"end":1160.46,"sentiment":"neutral","sentiment_score":0.1666348251072984},{"text":"If you go up just one page, you'll see the asset allocation sort of driven down as well.","start":1160.62,"end":1164.94,"sentiment":"neutral","sentiment_score":0.0898476309246487}],"sentiment":"neutral","sentiment_score":0.13541735957066217,"num_words":51,"start":1146.19,"end":1164.94},{"sentences":[{"text":"So within a growth portfolio, you generally see that eighty twenty split, the 80% growth investments and 20% defensive investments.","start":1164.94,"end":1172.32,"sentiment":"neutral","sentiment_score":0.11107535921037197},{"text":"With your existing portfolio at the moment, you've got about 73% in growth investments and then about 27% in defensive investments.","start":1172.745,"end":1180.925,"sentiment":"neutral","sentiment_score":0.12914661530937468},{"text":"So with the SMA blend, we're essentially gonna have 79.6% in those growth investments.","start":1181.225,"end":1187.51,"sentiment":"neutral","sentiment_score":0.24863713553973607},{"text":"That's where you see majority of your returns.","start":1187.51,"end":1189.51,"sentiment":"positive","sentiment_score":0.3502640649676323},{"text":"You're thinking Australian equities, international equities, and alternative things like gold and silver in there as well, and then reducing the defensive component down to about 20.4%.","start":1189.51,"end":1200.5499,"sentiment":"neutral","sentiment_score":0.22512677960373736}],"sentiment":"neutral","sentiment_score":0.19216712858113977,"num_words":90,"start":1164.94,"end":1200.5499},{"sentences":[{"text":"So defensive assets are lower tend to get lower rates of returns with things like fixed interest, cash, bonds, and things like that.","start":1200.5499,"end":1208.495,"sentiment":"neutral","sentiment_score":-0.014048978281409844},{"text":"So trying to get a bit more growth out of your portfolio, we do need to take a little bit more risk because they're moving up and taking having more of those growth investments is where we see that come from.","start":1208.555,"end":1217.72,"sentiment":"neutral","sentiment_score":-0.08749110197148673},{"text":"Okay?","start":1217.72,"end":1218.22,"sentiment":"neutral","sentiment_score":-0.0054789381101727486},{"text":"To see where your money would be invested, if you scroll up by one more page there for me, this is the investment break down.","start":1220.04,"end":1227.375,"sentiment":"neutral","sentiment_score":0.010025212801992893},{"text":"So at the moment, you've got your q super deferred benefit.","start":1227.375,"end":1230.515,"sentiment":"neutral","sentiment_score":-0.030328731306574562}],"sentiment":"neutral","sentiment_score":-0.03959134993798072,"num_words":101,"start":1200.5499,"end":1230.515},{"sentences":[{"text":"Now I am recommending that we do not touch that in any way, shape, or form.","start":1230.8151,"end":1234.495,"sentiment":"neutral","sentiment_score":-0.17870361916720867},{"text":"I had a really good review of that.","start":1234.495,"end":1236.255,"sentiment":"positive","sentiment_score":0.48390065878629684},{"text":"It is actually a great product.","start":1236.255,"end":1237.875,"sentiment":"positive","sentiment_score":0.7470387617746989},{"text":"So the one forty two six seven four ninety one stays exactly where it is in q super.","start":1238.415,"end":1241.5276,"sentiment":"positive","sentiment_score":0.34985969629552627},{"text":"We We can apply a a TPA onto it, so a third party authority onto your fund, and then we can sort of help to monitor that with you as well.","start":1241.5276,"end":1252.4,"sentiment":"neutral","sentiment_score":0.10780778791635268}],"sentiment":"neutral","sentiment_score":0.19156577079733716,"num_words":79,"start":1230.8151,"end":1252.4},{"sentences":[{"text":"Okay?","start":1252.4,"end":1252.9,"sentiment":"neutral","sentiment_score":0.05062500387430191},{"text":"With the Brighter Super, we would be selling most of it.","start":1254.3351,"end":1258.255,"sentiment":"neutral","sentiment_score":0.044310443103313446},{"text":"So you'd sell about all the so all of the funds.","start":1258.255,"end":1261.295,"sentiment":"neutral","sentiment_score":0.022678926079110664},{"text":"So $4.81 would start with leaving 10,000 behind, but at the end of the day, the whole thing would be sold down.","start":1261.295,"end":1266.48,"sentiment":"neutral","sentiment_score":-0.0390970033000816},{"text":"And then between the two different SMAs, we get this sort of blend here.","start":1266.72,"end":1270.48,"sentiment":"neutral","sentiment_score":0.022110745842967714}],"sentiment":"neutral","sentiment_score":0.004015668374249491,"num_words":59,"start":1252.4,"end":1270.48},{"sentences":[{"text":"So 60% in the blue, which is more of a growth fund, and then we've got sort of a 100 40% in the evergreen, which is more of a a balanced growth sort of option.","start":1270.48,"end":1279.605,"sentiment":"neutral","sentiment_score":0.06373641160981995},{"text":"So we're doing a bit of a mix of blend between the two to make sure you have that $80.20 split keeping you invested in line.","start":1279.6849,"end":1286.105,"sentiment":"neutral","sentiment_score":0.13225341616914824},{"text":"The downside to having these with the SMAs is that you can't see all the underlying investments.","start":1286.8049,"end":1291.445,"sentiment":"neutral","sentiment_score":-0.169507231344195},{"text":"So you can see that you can only see the bloom versus the evergreen.","start":1291.445,"end":1294.4249,"sentiment":"neutral","sentiment_score":-0.13659909048250743},{"text":"It doesn't show you all the underlying investments that you have the investments in, and that is for a reason.","start":1294.6699,"end":1300.0299,"sentiment":"neutral","sentiment_score":-0.12959829345345497}],"sentiment":"neutral","sentiment_score":-0.015326900374410408,"num_words":112,"start":1270.48,"end":1300.0299},{"sentences":[{"text":"So we're sort of saying this is where your money is going, but we control the underlying investments there so we can buy and sell and make changes as we need to.","start":1300.0299,"end":1308.9299,"sentiment":"neutral","sentiment_score":-0.03352610324509442},{"text":"So with the markets at the moment, if we're looking at the investors and going, hey.","start":1309.005,"end":1312.685,"sentiment":"neutral","sentiment_score":0.016246831975877285},{"text":"This maybe needs to be removed out of there, then we can make that change quickly without having to call you and change an advice document and sort of, you know, take time out of your day.","start":1312.685,"end":1322.045,"sentiment":"neutral","sentiment_score":0.07220074358220036},{"text":"So the idea is that us plus the investment committee with BlackRock have a lot more control around the investments, what's happening in underlying.","start":1322.045,"end":1328.93,"sentiment":"neutral","sentiment_score":0.14719282618413368},{"text":"We can make changes quickly if need to.","start":1328.9901,"end":1331.3301,"sentiment":"neutral","sentiment_score":0.18499617464840412}],"sentiment":"neutral","sentiment_score":0.058727681589050174,"num_words":117,"start":1300.0299,"end":1331.3301},{"sentences":[{"text":"And that way, we're not having to update advice too regularly with regards to investments.","start":1331.7101,"end":1336.2101,"sentiment":"neutral","sentiment_score":0.1243058537443479},{"text":"We can take advantage of different investment opportunities nice and easily.","start":1336.27,"end":1340.0751,"sentiment":"neutral","sentiment_score":0.2623828270218589},{"text":"But we can also send you change reports as well.","start":1340.4551,"end":1343.015,"sentiment":"neutral","sentiment_score":0.13365237936377525},{"text":"So every sort of quarter the investment committee meet, they talk about what's happening in the estimate, where the money is invested underlying.","start":1343.015,"end":1349.755,"sentiment":"neutral","sentiment_score":0.08048147173679393},{"text":"And if they make changes, change reports are moved or provided as well.","start":1350.1901,"end":1354.5901,"sentiment":"neutral","sentiment_score":0.07437230245425151}],"sentiment":"neutral","sentiment_score":0.12368383998465207,"num_words":72,"start":1331.7101,"end":1354.5901},{"sentences":[{"text":"So we can always send change reports when those things are updated and altered and changed.","start":1354.5901,"end":1358.5901,"sentiment":"neutral","sentiment_score":0.10592550411820412},{"text":"So the good side is it has performed really well.","start":1358.5901,"end":1361.63,"sentiment":"positive","sentiment_score":0.6114749014377594},{"text":"It is a lot cheaper than Bright wise.","start":1361.63,"end":1364.265,"sentiment":"positive","sentiment_score":0.641654334962368},{"text":"It means more money stays in your portfolio for you.","start":1364.265,"end":1367.4651,"sentiment":"positive","sentiment_score":0.5055640876293183},{"text":"The downside is you have less visibility on the investments that your funds are invested in.","start":1367.4651,"end":1372.265,"sentiment":"neutral","sentiment_score":-0.1572143603116274}],"sentiment":"neutral","sentiment_score":0.25805004785458246,"num_words":60,"start":1354.5901,"end":1372.265},{"sentences":[{"text":"So it's kind of one of those things.","start":1372.265,"end":1374.605,"sentiment":"neutral","sentiment_score":-0.01027913554571569},{"text":"Does that make sense?","start":1374.745,"end":1375.545,"sentiment":"neutral","sentiment_score":0.029881055001169443},{"text":"Do you have any questions so far?","start":1375.545,"end":1377.405,"sentiment":"neutral","sentiment_score":0.02149434174810137},{"text":"Yeah.","start":1379.26,"end":1379.5801,"sentiment":"neutral","sentiment_score":0.12822073698043823},{"text":"Perfect.","start":1379.5801,"end":1380.0801,"sentiment":"neutral","sentiment_score":0.2331085205078125}],"sentiment":"neutral","sentiment_score":0.026146704064948217,"num_words":21,"start":1372.265,"end":1380.0801},{"sentences":[{"text":"Oh, good.","start":1380.38,"end":1381.2001,"sentiment":"neutral","sentiment_score":0.13022523373365402},{"text":"Sorry.","start":1381.66,"end":1381.9,"sentiment":"neutral","sentiment_score":0.0028285998851060867},{"text":"I'm probably the happiest person ever to talk about sleep, but, so, like, you're welcome to stop me at any point.","start":1381.9,"end":1387.2001,"sentiment":"neutral","sentiment_score":-0.009424904893551554},{"text":"I do it as of in this I also have all the advantages, disadvantages, and the risks involved.","start":1390.945,"end":1395.585,"sentiment":"neutral","sentiment_score":-0.029222692052523296},{"text":"I have gone through a few of them with you.","start":1395.585,"end":1397.9249,"sentiment":"neutral","sentiment_score":0.028193547762930392}],"sentiment":"neutral","sentiment_score":-0.00343686374477469,"num_words":52,"start":1380.38,"end":1397.9249},{"sentences":[{"text":"There is a lot more noted there.","start":1397.985,"end":1399.4249,"sentiment":"neutral","sentiment_score":0.17021966406277247},{"text":"So you're welcome to run your eyes over that, have a really good read of all of those, and then let me know if you do have any additional questions in relation to it.","start":1399.4249,"end":1406.52,"sentiment":"neutral","sentiment_score":0.24878597434829264},{"text":"Okay?","start":1406.52,"end":1407.02,"sentiment":"neutral","sentiment_score":0.11135903745889664},{"text":"Perfect.","start":1408.04,"end":1408.54,"sentiment":"neutral","sentiment_score":0.275304913520813},{"text":"The other thing on that, like, the comparison table there on page 22, you'll see your contribution difference there.","start":1410.12,"end":1415.8201,"sentiment":"neutral","sentiment_score":0.06643165942085416}],"sentiment":"neutral","sentiment_score":0.18224397187511768,"num_words":62,"start":1397.985,"end":1415.8201},{"sentences":[{"text":"Now because your balance between the two funds is over 500,000, we weren't able to utilize any additional contributions of your cap space from previous years.","start":1416.04,"end":1425.9149,"sentiment":"neutral","sentiment_score":0.00670650819889628},{"text":"So we are very limited.","start":1425.975,"end":1427.255,"sentiment":"negative","sentiment_score":-0.4380727350711823},{"text":"Given your income is quite high, you're a very high income earner, we are very limited to making additional contributions.","start":1427.255,"end":1433.4349,"sentiment":"negative","sentiment_score":-0.3596241414546967},{"text":"But when I kinda looked at the option, starting additional contributions now is gonna benefit you more now than it will if we started in five or six or ten years' time.","start":1433.6549,"end":1442.5199,"sentiment":"neutral","sentiment_score":0.13349267176818103},{"text":"So I am recommending that we do salary sacrifice a little bit.","start":1442.5199,"end":1446.62,"sentiment":"neutral","sentiment_score":0.08273111470043659}],"sentiment":"neutral","sentiment_score":-0.04151514124517378,"num_words":95,"start":1416.04,"end":1446.62},{"sentences":[{"text":"Unfortunately, given the amount that you do have available to you, the most we're able to salary sacrifice on a yearly basis without breaking the cap is about $2,000 on a yearly basis there.","start":1446.9199,"end":1459.055,"sentiment":"neutral","sentiment_score":-0.09670921579441603},{"text":"So it works out to be about $38.46 on a weekly basis.","start":1459.055,"end":1463.395,"sentiment":"neutral","sentiment_score":0.09636030377199252},{"text":"It is only a very small amount, and we can always set it at the end of each financial year, see what you have available there.","start":1464.1101,"end":1469.9501,"sentiment":"neutral","sentiment_score":0.1158540052576707},{"text":"But even contributing an extra $38.46 or or $37 if you wanna round it up or down, Essentially, that over the next twelve years can provide a greater benefit.","start":1469.9501,"end":1481.995,"sentiment":"neutral","sentiment_score":0.2864853277288634},{"text":"It's more money invested for you.","start":1481.995,"end":1483.9349,"sentiment":"positive","sentiment_score":0.4959538032611211}],"sentiment":"neutral","sentiment_score":0.11368422213698103,"num_words":107,"start":1446.9199,"end":1483.9349},{"sentences":[{"text":"It does give you a little bit of it because it's a pretax deduction.","start":1483.995,"end":1487.055,"sentiment":"positive","sentiment_score":0.41622970146792276},{"text":"It does help to reduce a little bit of your income tax.","start":1487.675,"end":1490.395,"sentiment":"positive","sentiment_score":0.40934210270643234},{"text":"Admittedly, the benefit would be very minimal given the amount.","start":1490.395,"end":1493.775,"sentiment":"neutral","sentiment_score":0.14890467151999473},{"text":"However, putting that money in now and having it invested tax of 15% rather than your marginal tax rate over the next twelve years has a greater compounding effect there.","start":1494.75,"end":1503.7101,"sentiment":"neutral","sentiment_score":0.21936061531305312},{"text":"Okay?","start":1503.7101,"end":1504.2101,"sentiment":"neutral","sentiment_score":0.1490965485572815}],"sentiment":"neutral","sentiment_score":0.2829594444205512,"num_words":67,"start":1483.995,"end":1504.2101},{"sentences":[{"text":"Perfect.","start":1506.045,"end":1506.545,"sentiment":"positive","sentiment_score":0.6170114278793335},{"text":"Perfect.","start":1506.765,"end":1507.265,"sentiment":"positive","sentiment_score":0.5340942740440369},{"text":"If you scroll down to the next page then, now one of the things we did kinda talk about was moving into the SMA blend and the difference in the five year rolling average debt.","start":1508.3651,"end":1516.4451,"sentiment":"neutral","sentiment_score":0.11690667676074164},{"text":"So you can sort of see a projection here.","start":1516.4451,"end":1518.285,"sentiment":"neutral","sentiment_score":0.08525544073846605},{"text":"So if over the next sort of five to ten years, the SMA works the way it has, and we've got that average rate of return on a regular on a yearly basis over the next five to ten years, you can sort of see where that puts you.","start":1518.285,"end":1529.71,"sentiment":"neutral","sentiment_score":0.25587136070339045}],"sentiment":"neutral","sentiment_score":0.19524036873328057,"num_words":95,"start":1506.045,"end":1529.71},{"sentences":[{"text":"I do and really am open.","start":1530.25,"end":1532.19,"sentiment":"neutral","sentiment_score":0.26623942454655963},{"text":"Projections are just projections.","start":1532.25,"end":1533.7899,"sentiment":"neutral","sentiment_score":0.07443546410650015},{"text":"We always use returns that are from previous years, and we know markets are very volatile.","start":1533.85,"end":1538.795,"sentiment":"neutral","sentiment_score":0.06029614061117172},{"text":"They are at the moment with everything that's going on, and we know that you're not gonna get 11% every single year.","start":1538.855,"end":1544.795,"sentiment":"neutral","sentiment_score":-0.3283083601431413},{"text":"Some years, you might get 15 or 20%.","start":1544.935,"end":1547.015,"sentiment":"neutral","sentiment_score":-0.21037079207599163}],"sentiment":"neutral","sentiment_score":-0.107961314397731,"num_words":56,"start":1530.25,"end":1547.015},{"sentences":[{"text":"Other years, it might be 11.","start":1547.015,"end":1548.375,"sentiment":"neutral","sentiment_score":-0.20419335613648096},{"text":"It might be, you know, 5% one year.","start":1548.375,"end":1550.76,"sentiment":"neutral","sentiment_score":-0.27404095232486725},{"text":"And we do know that one in every sort of six years, we can expect a negative return there as well.","start":1550.76,"end":1555.48,"sentiment":"negative","sentiment_score":-0.40749619404474896},{"text":"So it's about being invested, participating in the market, and investing when when it's down, taking advantage of those downtimes and keeping our contributions going in there.","start":1555.48,"end":1566.075,"sentiment":"neutral","sentiment_score":0.08659212111874863},{"text":"But over the course of time, if you can average this sort of rate of return, if the portfolio works the way we want it to, you can sort of see the projection of where we hope you end up over the next five to ten years.","start":1566.5349,"end":1576.875,"sentiment":"neutral","sentiment_score":0.2549516564988075}],"sentiment":"neutral","sentiment_score":0.021521167846721246,"num_words":109,"start":1547.015,"end":1576.875},{"sentences":[{"text":"But we will do catch ups with you and see what's happening, how things are going for you.","start":1577.21,"end":1581.87,"sentiment":"positive","sentiment_score":0.5131692356533475},{"text":"I've got my lovely admin here who has a fantastic calendar, and we put every quarter who needs a catch up when.","start":1582.17,"end":1588.43,"sentiment":"positive","sentiment_score":0.6656937287612394},{"text":"And she makes sure to touch base and book everyone in with the catch up so we can determine what advice needs to be updated, when you need, you know, changes to your circumstances or if your income grows because I know your income's due to increase in the next few months there as well.","start":1588.73,"end":1603.145,"sentiment":"positive","sentiment_score":0.4817744905298406},{"text":"So we can always increase, change, and evolve this advice as your life changes as we work out towards your retirement goals over the next twelve years.","start":1603.145,"end":1611.95,"sentiment":"positive","sentiment_score":0.6393660604953766},{"text":"The other thing I do like to kinda point out is advice doesn't stop when you hit retirement.","start":1612.41,"end":1617.07,"sentiment":"positive","sentiment_score":0.3754989695217874}],"sentiment":"positive","sentiment_score":0.5314412167029722,"num_words":140,"start":1577.21,"end":1617.07},{"sentences":[{"text":"When you get to 60, that's just us heading out of the accumulation phase, then we're into the retirement phase.","start":1617.4249,"end":1623.125,"sentiment":"neutral","sentiment_score":0.31824273988604546},{"text":"What I would like to do, and I what I did sort of say this got last time, was what I would like to do in the future is readjust the advice and maybe do a joint advice piece with the both of you so we can see where we've gotten to so far, what we're looking forward to.","start":1623.505,"end":1637.7001,"sentiment":"positive","sentiment_score":0.5183749593541784},{"text":"But then also looking in the retirement years when we get closer, whether we need to maybe shelter some money somewhere so you can access the age pension to give you other benefits there, whether, you know, how long we draw super out of, who's got a higher balance, and who we draw more money out of versus less so we can get longevity out of both of your super funds as well.","start":1637.7001,"end":1656.625,"sentiment":"neutral","sentiment_score":0.18839510606780444},{"text":"So there's lots of other things that we can do in that retirement space, which is really fun and really cool, And it's about making sure we're working towards that.","start":1656.625,"end":1665.48,"sentiment":"positive","sentiment_score":0.5865071803331375},{"text":"But if life doesn't stop at 60, it only gets better and better from there as we work through those retirement years.","start":1665.48,"end":1671.02,"sentiment":"positive","sentiment_score":0.37568231333385815}],"sentiment":"positive","sentiment_score":0.37530414924463806,"num_words":204,"start":1617.4249,"end":1671.02},{"sentences":[{"text":"Okay?","start":1671.08,"end":1671.58,"sentiment":"neutral","sentiment_score":0.17797082662582395},{"text":"Perfect.","start":1672.84,"end":1673.34,"sentiment":"positive","sentiment_score":0.4415668845176697},{"text":"Underneath that, we do have the annualized returns to to sort of show you the difference between Brighter Super and the recommended at the moment.","start":1674.44,"end":1681.145,"sentiment":"neutral","sentiment_score":0.17173938930034638},{"text":"Unfortunately, recommended doesn't give us a ten year rolling average, but we do have the five that we've been working on.","start":1681.145,"end":1686.605,"sentiment":"neutral","sentiment_score":-0.01802370519865127},{"text":"We do like to work on the longest rolling average we can because it sort of shows you that the portfolio has been around for a longer time.","start":1686.665,"end":1694.0,"sentiment":"neutral","sentiment_score":0.2021288736058133}],"sentiment":"neutral","sentiment_score":0.13413333020320065,"num_words":76,"start":1671.08,"end":1694.0},{"sentences":[{"text":"It's got a longer track record, which is really important for averaging out returns.","start":1694.0,"end":1698.26,"sentiment":"neutral","sentiment_score":0.18685905901449068},{"text":"Okay.","start":1698.48,"end":1698.98,"sentiment":"neutral","sentiment_score":0.1370988488197327},{"text":"Perfect.","start":1700.24,"end":1700.74,"sentiment":"neutral","sentiment_score":0.2722679674625397},{"text":"The next sort of page is going through the salary sacrifice.","start":1701.76,"end":1704.74,"sentiment":"neutral","sentiment_score":0.014967943118377165},{"text":"Unfortunately, I couldn't recommend anything more than the $2,000 on an annual basis, and that was rounding it down a little bit as well.","start":1705.2,"end":1712.445,"sentiment":"neutral","sentiment_score":-0.16657516360282898}],"sentiment":"neutral","sentiment_score":-0.0158384884251099,"num_words":51,"start":1694.0,"end":1712.445},{"sentences":[{"text":"So you do have a little bit of cap space there.","start":1712.445,"end":1714.365,"sentiment":"neutral","sentiment_score":-0.05595703490755775},{"text":"But, look, you're on a great income, and your employer's making great contributions as it is.","start":1714.365,"end":1718.5249,"sentiment":"positive","sentiment_score":0.44014381105080247},{"text":"And just the contributions you have plus this little bit of salary sacrifice that will top it up, you can sort of see projected above.","start":1718.5249,"end":1725.6901,"sentiment":"positive","sentiment_score":0.3733371251821518},{"text":"You're on track for a really great retirement at the moment.","start":1725.75,"end":1728.23,"sentiment":"positive","sentiment_score":0.6682647683403709},{"text":"So we just need the markets to perform.","start":1728.23,"end":1729.99,"sentiment":"neutral","sentiment_score":0.324860118329525}],"sentiment":"positive","sentiment_score":0.36211260733470113,"num_words":71,"start":1712.445,"end":1729.99},{"sentences":[{"text":"We just need to make sure that things are working for you and make sure we catch up and and change the advice as we need to moving forward as well.","start":1729.99,"end":1738.835,"sentiment":"neutral","sentiment_score":0.28337251515157763},{"text":"Okay?","start":1738.835,"end":1739.335,"sentiment":"neutral","sentiment_score":0.16716507077217102},{"text":"Perfect.","start":1740.9149,"end":1741.4149,"sentiment":"positive","sentiment_score":0.44868651032447815},{"text":"Again, the next pages do outline the advantages, the disadvantages, the risks involved, any alternatives that I've also considered as part of the research there for you.","start":1742.115,"end":1750.5199,"sentiment":"neutral","sentiment_score":0.10744669640229808},{"text":"The following page on page number 27, this outlines with regard to the q super defined benefits.","start":1751.86,"end":1758.44,"sentiment":"neutral","sentiment_score":0.04181025303242838}],"sentiment":"neutral","sentiment_score":0.16899006045725826,"num_words":77,"start":1729.99,"end":1758.44},{"sentences":[{"text":"I am recommending we keep that exactly as it is.","start":1758.5,"end":1761.255,"sentiment":"neutral","sentiment_score":0.278951196372509},{"text":"We'll keep touch with you.","start":1761.495,"end":1762.855,"sentiment":"neutral","sentiment_score":0.11217882484197617},{"text":"One of the best things about this sort of I love these things.","start":1762.855,"end":1765.8151,"sentiment":"positive","sentiment_score":0.7201619790150569},{"text":"They're great.","start":1765.8151,"end":1766.375,"sentiment":"positive","sentiment_score":0.8044016063213348},{"text":"I actually asked my boss to do one for us, and he said no.","start":1766.375,"end":1769.115,"sentiment":"neutral","sentiment_score":0.05894486366638115}],"sentiment":"positive","sentiment_score":0.34423961634324357,"num_words":44,"start":1758.5,"end":1769.115},{"sentences":[{"text":"Defined benefits are fantastic, and this is actually a deferred benefit.","start":1770.295,"end":1773.575,"sentiment":"positive","sentiment_score":0.42478382045572455},{"text":"So your defined benefit has technically moved into what's called deferred benefit stage.","start":1773.575,"end":1778.49,"sentiment":"neutral","sentiment_score":0.09755570212235817},{"text":"The funds can stay in here until the age of 55, and they're actually not invested in the market.","start":1778.55,"end":1784.79,"sentiment":"neutral","sentiment_score":0.05463600531220436},{"text":"So they're not market linked in any way.","start":1784.79,"end":1786.87,"sentiment":"neutral","sentiment_score":0.03947857255116105},{"text":"Your end figure does not depend upon what the market does, unlike the rest of your super, which is really cool.","start":1787.1901,"end":1793.415,"sentiment":"neutral","sentiment_score":0.2679367369661729}],"sentiment":"neutral","sentiment_score":0.17946430986436704,"num_words":72,"start":1770.295,"end":1793.415},{"sentences":[{"text":"It is essentially invested in the average wage option, which means that it is every year, it is indexed, sometimes by CPI, sometimes by a lesser amount.","start":1794.035,"end":1804.07,"sentiment":"neutral","sentiment_score":0.15185622070674543},{"text":"I did try to find out from q super, and I have tried to find out a few times what the indexation rate is.","start":1804.45,"end":1809.8099,"sentiment":"neutral","sentiment_score":0.018919561834384997},{"text":"They won't tell anyone, and it changes every year.","start":1809.8099,"end":1812.69,"sentiment":"neutral","sentiment_score":-0.07250346077813043},{"text":"So every time I have one, I call and I try.","start":1812.69,"end":1816.005,"sentiment":"neutral","sentiment_score":-0.0518273071131923},{"text":"It doesn't happen.","start":1816.005,"end":1816.985,"sentiment":"neutral","sentiment_score":-0.17063855876525244}],"sentiment":"neutral","sentiment_score":0.03810324650761243,"num_words":74,"start":1794.035,"end":1816.985},{"sentences":[{"text":"So, yeah, keeping everything in the in the defined benefit for the moment until the age of 55.","start":1818.565,"end":1824.8049,"sentiment":"neutral","sentiment_score":0.05058829714026716},{"text":"When you get closer to the age of 55, we can look at the difference in the time frame that they're gonna move it.","start":1824.8049,"end":1830.13,"sentiment":"neutral","sentiment_score":0.03794267137224475},{"text":"At 55, they give you the option of moving it to another fund, sometimes withdrawing some of the benefit or keeping it in queue through, then it moves into the accumulation phase in there.","start":1830.27,"end":1840.27,"sentiment":"neutral","sentiment_score":0.09716061425997931},{"text":"So at about age age 55, after it steadily increased over time along with the indexation figure, then we should be able to look at consolidating that into hub twenty four and having everything in one place there for you.","start":1840.27,"end":1853.395,"sentiment":"neutral","sentiment_score":0.18881319910287858},{"text":"Okay?","start":1853.395,"end":1853.895,"sentiment":"neutral","sentiment_score":0.08731071650981903}],"sentiment":"neutral","sentiment_score":0.10909840193951231,"num_words":117,"start":1818.565,"end":1853.895},{"sentences":[{"text":"Perfect.","start":1855.1699,"end":1855.6699,"sentiment":"positive","sentiment_score":0.5476418137550354},{"text":"The defined benefit amount they've given us at the moment is an estimate.","start":1857.1699,"end":1860.5499,"sentiment":"neutral","sentiment_score":0.20155546413018152},{"text":"It's really funny because they have this cool equation for essentially determining the current balance.","start":1861.01,"end":1866.3099,"sentiment":"neutral","sentiment_score":0.29324422975381215},{"text":"This should be increasing every year, so it should only get more and more from here.","start":1867.0751,"end":1871.5751,"sentiment":"neutral","sentiment_score":0.23283943603746593},{"text":"When we're looking at retirement, bigger because we can't determine the growth rate for the for the deferred benefit side of things, I haven't been able to account for that into the retirement projections.","start":1871.9551,"end":1880.8551,"sentiment":"neutral","sentiment_score":-0.02727980599464739}],"sentiment":"neutral","sentiment_score":0.13119549198146863,"num_words":79,"start":1855.1699,"end":1880.8551},{"sentences":[{"text":"But as we get closer and closer, this is only gonna provide a greater benefit to your retirement outcome.","start":1881.06,"end":1886.2001,"sentiment":"neutral","sentiment_score":0.24475422344709696},{"text":"Okay?","start":1886.3401,"end":1886.8401,"sentiment":"neutral","sentiment_score":0.08236563950777054},{"text":"Perfect.","start":1888.18,"end":1888.66,"sentiment":"positive","sentiment_score":0.3659488558769226},{"text":"Do you have any questions so far at all?","start":1888.66,"end":1891.0,"sentiment":"neutral","sentiment_score":0.12602372301949394},{"text":"No?","start":1892.42,"end":1892.92,"sentiment":"neutral","sentiment_score":0.00539020448923111}],"sentiment":"neutral","sentiment_score":0.2012338210498133,"num_words":31,"start":1881.06,"end":1892.92},{"sentences":[{"text":"Perfect.","start":1893.2201,"end":1893.7201,"sentiment":"neutral","sentiment_score":0.25099074840545654},{"text":"On the next couple of pages, I've outlined some good advantages, disadvantages against some risks involved and alternatives that I've also considered there for you to review.","start":1894.8351,"end":1903.0951,"sentiment":"neutral","sentiment_score":0.10104981451122849},{"text":"I'd like to make sure that these sections are really well detailed, so they do look quite large.","start":1903.395,"end":1907.475,"sentiment":"neutral","sentiment_score":0.14270752378635937},{"text":"There is a lot there.","start":1907.475,"end":1908.66,"sentiment":"neutral","sentiment_score":0.08964328914880752},{"text":"Please feel free to have a read through those in your time, and then let me know if there's any questions in relation to any of them.","start":1908.98,"end":1914.8201,"sentiment":"neutral","sentiment_score":0.10672757001938643}],"sentiment":"neutral","sentiment_score":0.11381964108500725,"num_words":78,"start":1893.2201,"end":1914.8201},{"sentences":[{"text":"Okay?","start":1914.8201,"end":1915.3201,"sentiment":"neutral","sentiment_score":0.06167099624872208},{"text":"All good.","start":1919.3,"end":1920.04,"sentiment":"neutral","sentiment_score":0.10360519960522652},{"text":"All good.","start":1920.74,"end":1921.64,"sentiment":"neutral","sentiment_score":0.23625703901052475},{"text":"The next one here is the retirement calculation.","start":1922.455,"end":1924.855,"sentiment":"neutral","sentiment_score":0.06716155260801315},{"text":"So this, as I kinda mentioned, is based on a limited scope.","start":1924.855,"end":1928.695,"sentiment":"neutral","sentiment_score":0.03387099333728353}],"sentiment":"neutral","sentiment_score":0.06740559257566929,"num_words":25,"start":1914.8201,"end":1928.695},{"sentences":[{"text":"So based on the current projections, based on the current recommendations where we kinda see in the next twelve years this projected outcome to be.","start":1928.695,"end":1935.96,"sentiment":"neutral","sentiment_score":0.04167830340564251},{"text":"As I kinda mentioned, projections are those projections.","start":1936.2,"end":1938.52,"sentiment":"neutral","sentiment_score":0.06603841297328472},{"text":"They can always change depending on your lifestyle factors, your income, when you decide to retire.","start":1938.52,"end":1944.46,"sentiment":"neutral","sentiment_score":0.08696113363839686},{"text":"It also depends on market returns and things like that as well, so we wanna keep checking on track.","start":1944.84,"end":1949.475,"sentiment":"neutral","sentiment_score":0.0967493778780887},{"text":"But based on the current outcome there, with you drawing $3,036,000 dollars per annum out, we can actually project that you are are able to hit that target currently, basically, up until the age of about 99.","start":1949.635,"end":1963.29,"sentiment":"neutral","sentiment_score":0.29079066418312693}],"sentiment":"neutral","sentiment_score":0.14818224553905782,"num_words":105,"start":1928.695,"end":1963.29},{"sentences":[{"text":"So this is putting you on track to be able to meet your goals and draw enough out of super for you to live on permanently, which is fantastic.","start":1963.37,"end":1970.99,"sentiment":"positive","sentiment_score":0.5712397972057606},{"text":"It's actually projected about $612 more than your target income and still giving you longevity out of super.","start":1971.77,"end":1979.405,"sentiment":"positive","sentiment_score":0.479747763938374},{"text":"So it is a great strategy.","start":1979.405,"end":1981.7251,"sentiment":"positive","sentiment_score":0.6521706382433573},{"text":"It is sort of showing you that you can meet your goal.","start":1981.7251,"end":1983.9651,"sentiment":"positive","sentiment_score":0.6386800557374954},{"text":"You're on track to do so.","start":1983.9651,"end":1985.3251,"sentiment":"positive","sentiment_score":0.5456530551115671}],"sentiment":"positive","sentiment_score":0.5641199535047504,"num_words":71,"start":1963.37,"end":1985.3251},{"sentences":[{"text":"For the moment, we just need to keep reviewing things because twelve years is a long time away.","start":1985.3251,"end":1989.405,"sentiment":"neutral","sentiment_score":-0.17463115064634216},{"text":"A lot of things can happen in that time frame, and we just wanna keep reviewing things moving forward for you as well.","start":1989.405,"end":1995.01,"sentiment":"neutral","sentiment_score":0.17892391688149908},{"text":"Okay?","start":1995.01,"end":1995.51,"sentiment":"neutral","sentiment_score":0.17173446714878082},{"text":"Perfect.","start":1997.49,"end":1997.99,"sentiment":"positive","sentiment_score":0.5969273447990417},{"text":"The next sorry.","start":1999.1699,"end":2000.71,"sentiment":"neutral","sentiment_score":0.07435076062877972}],"sentiment":"neutral","sentiment_score":0.042687031966836556,"num_words":46,"start":1985.3251,"end":2000.71},{"sentences":[{"text":"The next strategy, if you scroll down, is the insurance strategy.","start":2001.41,"end":2004.87,"sentiment":"neutral","sentiment_score":0.01742456836456602},{"text":"Perfect.","start":2007.595,"end":2007.995,"sentiment":"positive","sentiment_score":0.47849857807159424},{"text":"So as I mentioned, you've got your life and TBD inside your Brighter Super at the moment.","start":2007.995,"end":2013.935,"sentiment":"neutral","sentiment_score":0.23289751918876872},{"text":"Essentially, what we wanna do is retain the life and TBD amount.","start":2015.1951,"end":2018.235,"sentiment":"neutral","sentiment_score":0.17721054330468178},{"text":"It still gives you a 106,000 of life and TPD in the event that something happens, and then roll that over so it's held by hub twenty four.","start":2018.235,"end":2026.36,"sentiment":"neutral","sentiment_score":0.23393962958029338}],"sentiment":"neutral","sentiment_score":0.19284438846659832,"num_words":69,"start":2001.41,"end":2026.36},{"sentences":[{"text":"It essentially reduces the premium.","start":2026.42,"end":2028.36,"sentiment":"neutral","sentiment_score":0.32520917654037473},{"text":"So you save about a $156 per year on the total premium, but still get get to keep the same level of cover if anything happens.","start":2028.98,"end":2036.945,"sentiment":"positive","sentiment_score":0.3785359893853848},{"text":"The monthly with the way that these are the covers are transferred and the way they are paid is that you would actually pay this on a monthly basis.","start":2037.4049,"end":2044.365,"sentiment":"neutral","sentiment_score":0.15547678259939984},{"text":"So $12.53 is deducted out of your super fund each month, but it'll equate to about a 150 over the course of the year there.","start":2044.365,"end":2051.82,"sentiment":"neutral","sentiment_score":0.16495033204555512},{"text":"But it essentially allows you to keep the life and TPD for as long as you need it until it expires.","start":2052.12,"end":2057.02,"sentiment":"neutral","sentiment_score":0.21978005944263368}],"sentiment":"neutral","sentiment_score":0.2331693193541383,"num_words":106,"start":2026.42,"end":2057.02},{"sentences":[{"text":"These things tend to expire at around about $8.65 depending on the policy.","start":2057.08,"end":2061.915,"sentiment":"neutral","sentiment_score":0.028369452034194883},{"text":"Just because by the time of 60, we're retiring, we actually don't really normally need any life or TPD anymore.","start":2062.295,"end":2067.755,"sentiment":"neutral","sentiment_score":-0.03997101951390505},{"text":"But having it for the next twelve years is still really important.","start":2068.295,"end":2071.095,"sentiment":"neutral","sentiment_score":0.03424098466833433},{"text":"You do still have debts.","start":2071.095,"end":2072.2148,"sentiment":"neutral","sentiment_score":-0.038838689029216764},{"text":"You still have a life to cover in a family, and it's really important to have that sort of backup for the time being.","start":2072.2148,"end":2077.64,"sentiment":"neutral","sentiment_score":0.07034577103331685}],"sentiment":"neutral","sentiment_score":0.019924045430269797,"num_words":74,"start":2057.08,"end":2077.64},{"sentences":[{"text":"So keeping the cover, transferring it over allows you to retain it.","start":2077.64,"end":2080.84,"sentiment":"neutral","sentiment_score":0.304384774218003},{"text":"There's no underwriting process to go through, which is fantastic.","start":2080.84,"end":2083.74,"sentiment":"positive","sentiment_score":0.5673674315214157},{"text":"It's a straight retention.","start":2084.2,"end":2085.34,"sentiment":"positive","sentiment_score":0.7039105296134949},{"text":"It's a good level of cover.","start":2086.035,"end":2087.4949,"sentiment":"positive","sentiment_score":0.6470066706339518},{"text":"If anything was to happen to you as we kinda went through with your life and your super balances, everything would be paid out and does cover your debt levels and still provide Scott with a a, you know, a little extra to sort of take time off and work out what to do with.","start":2087.555,"end":2100.96,"sentiment":"neutral","sentiment_score":0.29115509526296096}],"sentiment":"positive","sentiment_score":0.3682471722706981,"num_words":87,"start":2077.64,"end":2100.96},{"sentences":[{"text":"And having TBD, again, the same thing.","start":2101.2,"end":2103.52,"sentiment":"neutral","sentiment_score":0.052741279027291706},{"text":"If you have TBD, the TBD payout is made, and then also your super balances can also be paid out.","start":2103.52,"end":2110.08,"sentiment":"neutral","sentiment_score":0.13116425685584546},{"text":"And you can also claim permanent disability on the deferred benefit within q super as well.","start":2110.08,"end":2116.0,"sentiment":"neutral","sentiment_score":0.18819580879062414},{"text":"So all of that can be released in the instance of TPD, which is a benefit.","start":2116.0,"end":2119.945,"sentiment":"neutral","sentiment_score":0.2726734010502696},{"text":"And so now having a look at your circumstances and your life, having that life in TPD is still really important as a bit of a backup security for you.","start":2120.485,"end":2127.925,"sentiment":"neutral","sentiment_score":0.21662461857000986}],"sentiment":"neutral","sentiment_score":0.18949573039171402,"num_words":89,"start":2101.2,"end":2127.925},{"sentences":[{"text":"Okay?","start":2127.925,"end":2128.425,"sentiment":"neutral","sentiment_score":0.0872170478105545},{"text":"Perfect.","start":2129.86,"end":2130.36,"sentiment":"neutral","sentiment_score":0.3124258518218994},{"text":"Again, we've got the best interest of you there, some advantages, disadvantages, and the risks involved there.","start":2131.7,"end":2136.76,"sentiment":"neutral","sentiment_score":-0.02465335323530085},{"text":"One sort of thing I do like to point out is on page number 35, we do have the projection table again, but it table again, but it also shows you a comparison that if you were not to pay any insurances inside super.","start":2137.14,"end":2148.165,"sentiment":"neutral","sentiment_score":0.032579455016688866},{"text":"So we do know that paying with insurances inside super, because your premiums are coming out of your super fund, there is an impact on your super.","start":2148.165,"end":2155.625,"sentiment":"neutral","sentiment_score":-0.026774547166294523}],"sentiment":"neutral","sentiment_score":0.00767910157640775,"num_words":90,"start":2127.925,"end":2155.625},{"sentences":[{"text":"But with the insurance premiums that we you are paying now versus the recommended, there's a very minimal impact.","start":2155.82,"end":2161.28,"sentiment":"neutral","sentiment_score":0.036627618890059624},{"text":"However, if you were not to pay any insurances at a super with the hub 24 the way it is projected above, you can actually see and project where you could end up over the next five to ten years.","start":2161.74,"end":2173.595,"sentiment":"neutral","sentiment_score":0.13215755708515645},{"text":"Okay.","start":2174.135,"end":2174.635,"sentiment":"neutral","sentiment_score":0.07622255384922028},{"text":"Perfect.","start":2175.495,"end":2175.995,"sentiment":"neutral","sentiment_score":0.28133735060691833},{"text":"It's not a huge difference.","start":2176.375,"end":2177.655,"sentiment":"neutral","sentiment_score":0.14574024230241775}],"sentiment":"neutral","sentiment_score":0.10709830542856996,"num_words":66,"start":2155.82,"end":2177.655},{"sentences":[{"text":"It goes from, like, $1300000.0.01 5 to $1300000.0.01 7.","start":2177.655,"end":2182.0552,"sentiment":"neutral","sentiment_score":0.07502711812655131},{"text":"So it's not a massive difference or a huge impact there, but it does have an impact.","start":2182.0552,"end":2187.23,"sentiment":"neutral","sentiment_score":0.04851458966732025},{"text":"And and we just wanna make sure that we're, you know, making you aware of that and being open and honest with everything that we do disclose.","start":2187.23,"end":2193.57,"sentiment":"neutral","sentiment_score":0.15755954881509146},{"text":"Perfect.","start":2195.47,"end":2195.97,"sentiment":"neutral","sentiment_score":0.24734671413898468},{"text":"We've got the advantages, the disadvantages, and the risks involved on the next few pages there for you and any alternatives that we have also considered.","start":2196.59,"end":2204.175,"sentiment":"neutral","sentiment_score":0.018985582658877738}],"sentiment":"neutral","sentiment_score":0.08118839710950851,"num_words":80,"start":2177.655,"end":2204.175},{"sentences":[{"text":"The following page on page number 38 outlines your employer paid income protection policy, which I love your that policy.","start":2205.355,"end":2213.195,"sentiment":"neutral","sentiment_score":0.24692667536437513},{"text":"I think it is fantastic.","start":2213.195,"end":2214.415,"sentiment":"positive","sentiment_score":0.7337807059288025},{"text":"You can't get another income protecting policy like this anywhere that I have seen.","start":2215.22,"end":2219.14,"sentiment":"positive","sentiment_score":0.3970162272453308},{"text":"I think it's fantastic.","start":2219.14,"end":2220.2,"sentiment":"positive","sentiment_score":0.7177337855100632},{"text":"I am recommending, as we discussed, that you do retain that policy.","start":2221.7798,"end":2225.14,"sentiment":"positive","sentiment_score":0.42239396274089813}],"sentiment":"positive","sentiment_score":0.4019150347872214,"num_words":55,"start":2205.355,"end":2225.14},{"sentences":[{"text":"It is a really good policy, but, essentially, has a forty five day waiting.","start":2225.14,"end":2229.5598,"sentiment":"positive","sentiment_score":0.4792793850813593},{"text":"Essentially, it also covers a 100% of income for the first thirteen weeks and reduces to 85% for the remaining ninety one weeks.","start":2230.065,"end":2237.825,"sentiment":"neutral","sentiment_score":0.22885945957639944},{"text":"You can be on this benefit for a maximum of a hundred and four weeks.","start":2237.825,"end":2241.605,"sentiment":"neutral","sentiment_score":0.2176275372505188},{"text":"If you're over 70, 75 years of age, it reduces to 52.","start":2241.9849,"end":2246.56,"sentiment":"neutral","sentiment_score":0.07798030724128087},{"text":"Anyone over the age of 75, it goes to definitely longer as well.","start":2246.94,"end":2250.46,"sentiment":"neutral","sentiment_score":0.14149340643332556}],"sentiment":"neutral","sentiment_score":0.23393857130756626,"num_words":77,"start":2225.14,"end":2250.46},{"sentences":[{"text":"So this is a really cool policy because there is not with income protection benefits now, you can't be covered for more than 70% of your income.","start":2250.46,"end":2258.24,"sentiment":"positive","sentiment_score":0.4677554170290629},{"text":"So this pays a much higher benefit.","start":2258.705,"end":2262.165,"sentiment":"positive","sentiment_score":0.4963606127670833},{"text":"Admittedly, it's a shorter benefit period, but it pays a really good higher benefit.","start":2262.625,"end":2267.205,"sentiment":"positive","sentiment_score":0.42930845490523745},{"text":"You can also use it as a top up if you're on, like, workers' compensation or something and needing to claim as a top up.","start":2268.065,"end":2274.6,"sentiment":"positive","sentiment_score":0.35105440497398377},{"text":"It also has some cool features as well.","start":2275.56,"end":2277.56,"sentiment":"positive","sentiment_score":0.470132727175951}],"sentiment":"positive","sentiment_score":0.4277982822170964,"num_words":81,"start":2250.46,"end":2277.56},{"sentences":[{"text":"So the funeral benefit of up to 5,000, which can be paid out.","start":2277.56,"end":2280.76,"sentiment":"neutral","sentiment_score":0.3159764844637651},{"text":"So if you were to pass away, there's a extra funeral benefit, which can be paid out nice and quickly.","start":2280.76,"end":2286.2202,"sentiment":"positive","sentiment_score":0.41153731420636175},{"text":"It has a zero day waiting period for serious some serious medical conditions, and in the PDF document, it outlines what those are.","start":2286.76,"end":2294.535,"sentiment":"neutral","sentiment_score":0.199466352229533},{"text":"It also has a workers' compensation top up.","start":2295.4749,"end":2297.795,"sentiment":"neutral","sentiment_score":0.1954018846154213},{"text":"So as I mentioned, if you're on workers' compensation, which normally only covers around about 80% of someone's wage, if they're on, you know, a full workers' compensation.","start":2297.795,"end":2306.4602,"sentiment":"neutral","sentiment_score":0.19083578857992375}],"sentiment":"neutral","sentiment_score":0.2590519982673552,"num_words":92,"start":2277.56,"end":2306.4602},{"sentences":[{"text":"You can then top it up with this policy to cover a 100% of your income, which is pretty cool.","start":2307.0,"end":2312.3,"sentiment":"positive","sentiment_score":0.42769334465265274},{"text":"And then it's also got the financial planning benefit as well.","start":2313.8801,"end":2316.76,"sentiment":"neutral","sentiment_score":0.21213189173828473},{"text":"So if you're on a claim for more than six months and you can seek financial planning, and they cover the cost of that up to a certain amount.","start":2316.76,"end":2325.7148,"sentiment":"neutral","sentiment_score":0.16187849640846252},{"text":"So that is, again, nice and cool, but we certainly hope you're not on an income protection claim for that long.","start":2325.775,"end":2331.615,"sentiment":"neutral","sentiment_score":0.19962685626177562},{"text":"But it is a really great policy, And the biggest benefit is that it's not paid by you in any way, shape, or form.","start":2331.615,"end":2337.74,"sentiment":"positive","sentiment_score":0.3547310760865609}],"sentiment":"neutral","sentiment_score":0.26940479910089854,"num_words":105,"start":2307.0,"end":2337.74},{"sentences":[{"text":"So the best insurance is the one that covers you, but you don't have to pay for it.","start":2337.7998,"end":2342.5398,"sentiment":"neutral","sentiment_score":0.20398535579442978},{"text":"Yeah.","start":2344.44,"end":2344.94,"sentiment":"neutral","sentiment_score":0.08252381533384323},{"text":"I've got another best interest, Eddie.","start":2345.72,"end":2347.48,"sentiment":"neutral","sentiment_score":0.17435170089205107},{"text":"It is your best interest to keep because a, it is an employer paid policy.","start":2347.48,"end":2351.085,"sentiment":"positive","sentiment_score":0.35387453238169353},{"text":"The benefit is higher than any income protection benefit out there.","start":2351.085,"end":2354.705,"sentiment":"positive","sentiment_score":0.5295141962441531}],"sentiment":"neutral","sentiment_score":0.31241459939994065,"num_words":51,"start":2337.7998,"end":2354.705},{"sentences":[{"text":"It essentially gives you that level of cover without you having to cover the cost of it, and retaining it is just it's just the way it yeah.","start":2355.325,"end":2363.46,"sentiment":"positive","sentiment_score":0.4225270716207368},{"text":"It's nothing else I can say, really.","start":2363.46,"end":2365.3801,"sentiment":"neutral","sentiment_score":0.1341355059828077},{"text":"It's just why would you give that up?","start":2365.3801,"end":2367.1401,"sentiment":"neutral","sentiment_score":0.06214572861790657},{"text":"It's just fantastic, honestly.","start":2367.1401,"end":2368.6,"sentiment":"positive","sentiment_score":0.5527964606881142},{"text":"I was a little bit jealous.","start":2369.1401,"end":2370.18,"sentiment":"neutral","sentiment_score":-0.04005176077286402}],"sentiment":"neutral","sentiment_score":0.2875046727229964,"num_words":53,"start":2355.325,"end":2370.18},{"sentences":[{"text":"I was like, woah.","start":2370.18,"end":2370.82,"sentiment":"neutral","sentiment_score":-0.16321279108524323},{"text":"I didn't even have those benefits.","start":2370.82,"end":2372.36,"sentiment":"neutral","sentiment_score":-0.12002488225698471},{"text":"I do have the advantages, disadvantages, and the risks involved below because with every decision we make, with every product, there are advantages as well as disadvantages to take into consideration.","start":2375.275,"end":2384.815,"sentiment":"neutral","sentiment_score":-0.05946637125265214},{"text":"So I have outlined those for you so you can have a good review of each of them as well.","start":2385.275,"end":2392.14,"sentiment":"neutral","sentiment_score":0.25040969606488944},{"text":"Okay?","start":2392.14,"end":2392.46,"sentiment":"neutral","sentiment_score":0.22285473346710205}],"sentiment":"neutral","sentiment_score":0.03249339819435151,"num_words":62,"start":2370.18,"end":2392.46},{"sentences":[{"text":"Perfect.","start":2392.46,"end":2392.96,"sentiment":"positive","sentiment_score":0.451643705368042},{"text":"The last sort of recommendation here is about the estate planning side of things.","start":2393.66,"end":2397.1,"sentiment":"neutral","sentiment_score":0.09349693065243107},{"text":"So because we are looking at moving you out of Brighter Super and into Hub 24, we do need to make sure your beneficiaries are done.","start":2397.1,"end":2404.14,"sentiment":"neutral","sentiment_score":0.10317823863946475},{"text":"So I will recommend that we do a binding, non lapsing beneficiary nomination.","start":2404.14,"end":2408.575,"sentiment":"neutral","sentiment_score":0.15364381499015367},{"text":"Essentially, that basically means that the trustee is bound to follow the directions so long as the nomination is valid.","start":2409.275,"end":2415.055,"sentiment":"neutral","sentiment_score":0.16878353282809258}],"sentiment":"neutral","sentiment_score":0.13265236744002715,"num_words":74,"start":2392.46,"end":2415.055},{"sentences":[{"text":"And non lapsing means you only have to fill out one beneficiary form, and you don't have to fill it out again until you wanna revoke or change that nomination.","start":2415.195,"end":2423.2,"sentiment":"neutral","sentiment_score":0.13154823953906694},{"text":"And as per your wishes, we'll make sure Scott is nominated as the beneficiary in the event that you pass away.","start":2423.9,"end":2429.28,"sentiment":"neutral","sentiment_score":0.15536624122233617},{"text":"With the deferred benefit side of things, I did a really good deep dive into q super and the deferred benefit there.","start":2430.62,"end":2435.875,"sentiment":"neutral","sentiment_score":0.16018822958523576},{"text":"They do allow for a beneficiary nomination to be provided, and they do, according to the documents, allow a binding non lapsing nomination as well.","start":2435.875,"end":2443.7952,"sentiment":"neutral","sentiment_score":0.16037769258022308},{"text":"So we'll make sure that that is applied and sent to them.","start":2443.7952,"end":2446.5352,"sentiment":"neutral","sentiment_score":0.18138480062286058}],"sentiment":"neutral","sentiment_score":0.1538121747699651,"num_words":110,"start":2415.195,"end":2446.5352},{"sentences":[{"text":"That way, it can also be, added to the account.","start":2446.675,"end":2449.3352,"sentiment":"neutral","sentiment_score":0.18267063796520233},{"text":"With QSuper, one of the things I did say before is we wanna try and add a TPA on there.","start":2449.58,"end":2453.58,"sentiment":"neutral","sentiment_score":0.06530171018093825},{"text":"QSuper have been a little bit hard with us with TPAs, and I just forget this.","start":2453.58,"end":2456.86,"sentiment":"neutral","sentiment_score":-0.1451342450454831},{"text":"I do apologize.","start":2456.86,"end":2457.68,"sentiment":"neutral","sentiment_score":-0.06548578664660454},{"text":"They've been a bit hard dealing with with advisers, so we might not be able to have a TPA on file, but we can help you to monitor it.","start":2458.22,"end":2464.38,"sentiment":"neutral","sentiment_score":-0.19940218226662998}],"sentiment":"neutral","sentiment_score":-0.06626317927088493,"num_words":78,"start":2446.675,"end":2464.38},{"sentences":[{"text":"We'll just maybe need to get a couple of statements here and there just to help us keep an eye on things, but we can absolutely help you keep an eye on that one.","start":2464.38,"end":2472.1648,"sentiment":"neutral","sentiment_score":0.3124869172187412},{"text":"And we'll make sure this beneficiary nomination is applied to that deferred benefit as well for you.","start":2472.7048,"end":2477.585,"sentiment":"positive","sentiment_score":0.39080651718027454},{"text":"Okay?","start":2477.585,"end":2478.085,"sentiment":"neutral","sentiment_score":0.20645871758461},{"text":"All good.","start":2479.82,"end":2480.56,"sentiment":"positive","sentiment_score":0.5767740905284882},{"text":"Again, you've got some advantages, disadvantages, and the risks involved there.","start":2480.94,"end":2484.86,"sentiment":"neutral","sentiment_score":-0.011615237390453169}],"sentiment":"neutral","sentiment_score":0.2846231579207457,"num_words":65,"start":2464.38,"end":2484.86},{"sentences":[{"text":"You do have you did mention you do have a will and power of attorney already, so that is something I haven't sort of factored as the advice.","start":2484.86,"end":2492.9849,"sentiment":"neutral","sentiment_score":0.12195541895925999},{"text":"But if you ever did wanna have those updated, I'll just speak to a solicitor.","start":2492.9849,"end":2496.585,"sentiment":"neutral","sentiment_score":0.15202472855647406},{"text":"I'm more than help happy to help provide someone that can do that for you.","start":2496.585,"end":2500.4448,"sentiment":"positive","sentiment_score":0.6431181987126668},{"text":"But that's essentially all the recommendations there, trying to keep it nice and easy for you.","start":2500.9048,"end":2505.9648,"sentiment":"positive","sentiment_score":0.5550380442291498},{"text":"If you scroll down to page number 46, as I kinda went through with the projection table there, you can see with coming on board and going through the implementation process, everything with you up into the point you sign the advice and we start implementing it is fully complimentary.","start":2507.17,"end":2521.125,"sentiment":"neutral","sentiment_score":0.3035017016530037}],"sentiment":"neutral","sentiment_score":0.31772249540494335,"num_words":124,"start":2484.86,"end":2521.125},{"sentences":[{"text":"So if you decide you don't like any of this, you're out.","start":2521.345,"end":2524.1648,"sentiment":"neutral","sentiment_score":-0.12660042134424052},{"text":"That's absolutely fine.","start":2524.2249,"end":2525.265,"sentiment":"positive","sentiment_score":0.5341483950614929},{"text":"There's no cost involved.","start":2525.265,"end":2526.565,"sentiment":"positive","sentiment_score":0.3884437456727028},{"text":"By coming on board and having us implement things, we've got the upfront fee of $4.09 $5.00.","start":2527.345,"end":2531.84,"sentiment":"positive","sentiment_score":0.3732230076018502},{"text":"It is a flat fee there because your balance is over a 150 k.","start":2531.84,"end":2535.54,"sentiment":"neutral","sentiment_score":0.2806788406201771}],"sentiment":"neutral","sentiment_score":0.23822620019316673,"num_words":50,"start":2521.345,"end":2535.54},{"sentences":[{"text":"That is deducted out of hub twenty four as soon as the money hits.","start":2536.1602,"end":2539.36,"sentiment":"neutral","sentiment_score":0.22877017302172525},{"text":"That way, we can have it invested and working harder and earning that back there for you.","start":2539.36,"end":2543.325,"sentiment":"positive","sentiment_score":0.5612634385333342},{"text":"We do also have the ongoing service fee attached.","start":2543.805,"end":2546.445,"sentiment":"neutral","sentiment_score":0.21115672257211474},{"text":"Now this actually does note it's 1.65%.","start":2546.445,"end":2549.565,"sentiment":"neutral","sentiment_score":0.05753171124628612},{"text":"For yourself, it would be 1.1.","start":2549.565,"end":2551.905,"sentiment":"neutral","sentiment_score":0.015190759052832922}],"sentiment":"neutral","sentiment_score":0.2856327908219032,"num_words":53,"start":2536.1602,"end":2551.905},{"sentences":[{"text":"I do apologize.","start":2551.9648,"end":2552.765,"sentiment":"neutral","sentiment_score":-0.05782789488633474},{"text":"My power plan, I forgot that.","start":2552.765,"end":2554.125,"sentiment":"neutral","sentiment_score":-0.0846771535774072},{"text":"Scott's your partner, and he nominated this.","start":2554.125,"end":2556.33,"sentiment":"neutral","sentiment_score":0.11938066567693438},{"text":"But Scott also says 1.65%.","start":2556.57,"end":2559.55,"sentiment":"neutral","sentiment_score":0.023143641650676727},{"text":"What I'll do is if you decide to take on the advice, I will knock that and make sure it is reduced to 1.1% for you, and we'll link it so the same thing happens to Scott.","start":2559.85,"end":2569.065,"sentiment":"neutral","sentiment_score":0.029030632403855387}],"sentiment":"neutral","sentiment_score":0.02317189070364011,"num_words":58,"start":2551.9648,"end":2569.065},{"sentences":[{"text":"I don't want you to sign the document based on just reducing his ongoing service fee.","start":2569.4648,"end":2573.9648,"sentiment":"neutral","sentiment_score":-0.1815027268603444},{"text":"You know, I kind of like everyone to sign the advice because they're happy with the advice I have provided, and I think it's gonna help them moving forward.","start":2574.585,"end":2580.7449,"sentiment":"neutral","sentiment_score":0.23314901017423334},{"text":"So it does say 1.65% there, but it is only 1.1 for you, and it's just over disclosing.","start":2580.7449,"end":2587.68,"sentiment":"neutral","sentiment_score":0.01558320400201612},{"text":"So we like to make sure we're over disclosing the fees in the advice documents.","start":2587.68,"end":2591.06,"sentiment":"neutral","sentiment_score":0.0024634229329725107},{"text":"We also cap our ongoing service fee at a balance of 600,000.","start":2591.1199,"end":2595.3452,"sentiment":"neutral","sentiment_score":0.015629765888055164}],"sentiment":"neutral","sentiment_score":0.048469820799719954,"num_words":90,"start":2569.4648,"end":2595.3452},{"sentences":[{"text":"So the most anyone ever pays us is 9,900.","start":2595.405,"end":2598.945,"sentiment":"neutral","sentiment_score":0.026280808055566415},{"text":"Okay?","start":2599.245,"end":2599.745,"sentiment":"neutral","sentiment_score":0.06065686047077179},{"text":"All good.","start":2600.7651,"end":2601.5051,"sentiment":"positive","sentiment_score":0.3555508702993393},{"text":"Do you have any questions or anything that you need updated or anything that you've got concerns about?","start":2601.725,"end":2608.09,"sentiment":"neutral","sentiment_score":0.0984362123741044},{"text":"Is there anything you wanted to bring up?","start":2608.09,"end":2609.95,"sentiment":"neutral","sentiment_score":0.022964674048125744}],"sentiment":"neutral","sentiment_score":0.07799618654443245,"num_words":38,"start":2595.405,"end":2609.95},{"sentences":[{"text":"Yep.","start":2612.89,"end":2613.39,"sentiment":"neutral","sentiment_score":-0.003243193030357361},{"text":"Absolutely.","start":2617.61,"end":2618.11,"sentiment":"neutral","sentiment_score":0.017949756234884262},{"text":"Yeah.","start":2618.81,"end":2619.13,"sentiment":"neutral","sentiment_score":0.057499729096889496},{"text":"Absolutely.","start":2619.13,"end":2619.63,"sentiment":"neutral","sentiment_score":0.10293488204479218},{"text":"It is a lot to go through.","start":2619.93,"end":2621.295,"sentiment":"neutral","sentiment_score":0.028547687189919606}],"sentiment":"neutral","sentiment_score":0.03408863497051326,"num_words":11,"start":2612.89,"end":2621.295},{"sentences":[{"text":"It's sort of why I try to say let's have the document in front of you because I do go through a lot, especially with your advice document here.","start":2621.615,"end":2627.875,"sentiment":"neutral","sentiment_score":0.017377467183717365},{"text":"But, yeah, please take some time.","start":2628.255,"end":2629.6948,"sentiment":"neutral","sentiment_score":0.05075252242386341},{"text":"Have a read through it.","start":2629.6948,"end":2630.4949,"sentiment":"neutral","sentiment_score":0.07770291715860367},{"text":"Let me know if you do have any questions straight after the call.","start":2630.4949,"end":2633.855,"sentiment":"neutral","sentiment_score":0.08412181242154194},{"text":"I will just email you again.","start":2633.855,"end":2635.295,"sentiment":"neutral","sentiment_score":0.09952981894214948}],"sentiment":"neutral","sentiment_score":0.048944724471134654,"num_words":59,"start":2621.615,"end":2635.295},{"sentences":[{"text":"I know you've been emailing with the girls prior to this, but I'll send you an email from my email.","start":2635.295,"end":2639.61,"sentiment":"neutral","sentiment_score":0.09617350324988365},{"text":"That way, you've got that there direct.","start":2639.61,"end":2641.05,"sentiment":"neutral","sentiment_score":0.17928337625094823},{"text":"And if you find you have any questions that comes from you reading over the document, you're welcome to let me know.","start":2641.05,"end":2646.25,"sentiment":"neutral","sentiment_score":0.15239189903844486},{"text":"Okay?","start":2646.25,"end":2646.75,"sentiment":"neutral","sentiment_score":0.1461731195449829},{"text":"Perfect.","start":2648.915,"end":2649.415,"sentiment":"positive","sentiment_score":0.4789856076240539}],"sentiment":"neutral","sentiment_score":0.14031831774057127,"num_words":51,"start":2635.295,"end":2649.415},{"sentences":[{"text":"That's okay.","start":2649.4749,"end":2650.195,"sentiment":"neutral","sentiment_score":0.2570608854293823},{"text":"Not a problem at all.","start":2650.195,"end":2651.315,"sentiment":"neutral","sentiment_score":0.2008919894695282},{"text":"I thank you so much for your time.","start":2651.315,"end":2652.675,"sentiment":"positive","sentiment_score":0.40837761014699936},{"text":"I know you've had a really busy couple of weeks, and today has not been any easier for you.","start":2652.675,"end":2657.015,"sentiment":"neutral","sentiment_score":0.0009258808077950226},{"text":"But oh, good.","start":2658.115,"end":2659.155,"sentiment":"positive","sentiment_score":0.5691728293895721}],"sentiment":"neutral","sentiment_score":0.17596521142970872,"num_words":37,"start":2649.4749,"end":2659.155},{"sentences":[{"text":"Take your time reading through that one.","start":2659.155,"end":2660.515,"sentiment":"positive","sentiment_score":0.6368971381868634},{"text":"Let me know if there's anything I that you need or any questions that you have, and I'm more than happy to answer them for you.","start":2660.515,"end":2665.78,"sentiment":"positive","sentiment_score":0.5865456393131843},{"text":"Okay?","start":2665.78,"end":2666.28,"sentiment":"positive","sentiment_score":0.34488797187805176},{"text":"No worries at all.","start":2667.86,"end":2668.74,"sentiment":"positive","sentiment_score":0.5822471678256989},{"text":"Looking forward to working with you, Lisa.","start":2668.74,"end":2670.34,"sentiment":"positive","sentiment_score":0.8327911921909877}],"sentiment":"positive","sentiment_score":0.6269307017326355,"num_words":45,"start":2659.155,"end":2670.34},{"sentences":[{"text":"I've really enjoyed putting this plan together, and thank you so much for the opportunity to do so.","start":2670.34,"end":2675.08,"sentiment":"positive","sentiment_score":0.9077125589052836},{"text":"No worries.","start":2677.915,"end":2678.395,"sentiment":"neutral","sentiment_score":0.11970790848135948},{"text":"And before you go, I should also let you know once you get through that one on the email, you'll also see the other documents there, the fax find.","start":2678.395,"end":2684.715,"sentiment":"neutral","sentiment_score":0.14195562282512927},{"text":"We've also got a lot of super search that we'll do if you decide to come on board.","start":2684.715,"end":2687.9949,"sentiment":"neutral","sentiment_score":0.28154443618324065},{"text":"You'll see applications and things like that as well.","start":2687.9949,"end":2690.2349,"sentiment":"neutral","sentiment_score":0.2942591773139106}],"sentiment":"positive","sentiment_score":0.3738300971882908,"num_words":76,"start":2670.34,"end":2690.2349},{"sentences":[{"text":"So if you decide to take on the advice, you're happy to sign it.","start":2690.2349,"end":2694.13,"sentiment":"neutral","sentiment_score":0.3238245238150869},{"text":"It'll also ask you to sign the application forms, the lost super search, your fax line, and things like that.","start":2694.3499,"end":2699.71,"sentiment":"neutral","sentiment_score":0.2259924218058586},{"text":"That just helps us to start the the process of the implementation and attach the to the email there as attachments.","start":2699.71,"end":2706.2449,"sentiment":"neutral","sentiment_score":0.305258300332796},{"text":"I've got a copy of the statement of advice, the appendix in there for you as well, and I've also got our financial services guide and any product disclosure statements for the products that I have recommended for you as well.","start":2706.2449,"end":2716.9648,"sentiment":"neutral","sentiment_score":0.2831347355755364},{"text":"Okay?","start":2716.9648,"end":2717.4648,"sentiment":"neutral","sentiment_score":0.19537529349327087}],"sentiment":"neutral","sentiment_score":0.2811104693670863,"num_words":97,"start":2690.2349,"end":2717.4648},{"sentences":[{"text":"Beautiful.","start":2718.7,"end":2719.2,"sentiment":"positive","sentiment_score":0.8539366722106934},{"text":"My pleasure.","start":2720.06,"end":2720.86,"sentiment":"positive","sentiment_score":0.8300841152667999},{"text":"Thank you so much for your time.","start":2720.86,"end":2722.1401,"sentiment":"positive","sentiment_score":0.8492624163627625},{"text":"I hope you have a lovely afternoon and get some rest.","start":2722.1401,"end":2724.72,"sentiment":"positive","sentiment_score":0.7892701138149608},{"text":"Thanks, Lisa.","start":2726.86,"end":2727.58,"sentiment":"positive","sentiment_score":0.5632145404815674}],"sentiment":"positive","sentiment_score":0.7942322674004928,"num_words":23,"start":2718.7,"end":2727.58},{"sentences":[{"text":"See you later.","start":2727.58,"end":2728.22,"sentiment":"positive","sentiment_score":0.4537813663482666},{"text":"Bye.","start":2728.22,"end":2728.72,"sentiment":"neutral","sentiment_score":-0.0716920793056488}],"sentiment":"neutral","sentiment_score":0.32241300493478775,"num_words":4,"start":2727.58,"end":2728.72}]}}]},{"alternatives":[{"transcript":"Hello. Lisa speaking. I if you just hold on one minute. I've just pulled the car over, and I'm just about to park. Sorry. Okay. Thanks. Are you there? Hi. Can you hear me okay? Yes. I can. Sorry about that. Oh, I've had a busy couple of weeks. I can look at it. I I've got my email on my phone. Yeah. No problem. K. Make that there we go. Open. Okay. No worries. It does. Yep. Mhmm. No problem. Yep. Cool. Yep. Cool. No worries. Yeah. Yeah. Yep. Yep. Yes. For me, everything's fairly similar, but there has been a change in Scott, which you're probably not aware of. So we actually made the decision for him to go 50% at work, so he's cutting back. So, yeah, he we just need to focus more on home and and stuff like that and him being home more often than working out out of town. So he's gonna be 50% working. So which means I'm gonna be the breadwinner. That will. Yep. Yeah. Because I think at once they just said if we wanna talk about our stuff, like, together as a group, we're we're both comfortable with that because, obviously, we're, you know, we're we're comfortable with working out an outcome for both of us that'll, you know, put us both in the best position. So yep. Yep. It looks relatively correct. The way you put Ina, you put Lisa, the like, somebody that owned by both of us. Does that matter? Okay. Good. No worries. Cool. Actually, one question. Is the property the asset value for the property, is that just our home, or is that also including our other unit we've got at Mulunbin? Primary. Okay. No worries. Yes. Yep. Cool. One six five? Yeah. Yep. Okay. Yeah. No worries. Yep. Yep. Yes. Okay. Yep. Okay. Yeah. Yeah. Yeah. Yep. Yep. Yep. Yeah. Okay. Yeah. Okay. Yep. Yep. Yep. Sure. Yeah. Yep. Yep. Yep. Nope. Yeah. No. I'm all good. You're good. Yep. Cool. No worries at all. Yes. No worries. Yes. Yeah. Yeah. Yep. Yep. Yes. Yep. Sure. Yeah. Yep. Yep. Yeah. Yes. Yeah. Yes. Yes. No. I'm all good. Oh, I'll probably print it out and read it and see if I got any questions. Sure. Yep. Yeah. Yeah. Yep. Yep. Yep. Okay. Yeah. Yeah. Yeah. Yeah. Cool. Yeah. Yep. Yep. Yes. Yep. What? Yep. Yeah. No. No. I'm all good. It's yeah. I'll just have to read it through, you know, all the risks and advantages and disadvantages, all that, get my head around that. Yeah. Yeah. Yep. Awesome. Fantastic. Thank you so much. Maybe a couple of weeks. That's okay. Thanks, Dana. No problem. Thanks. I'll talk to you again soon. Yeah. Cool. Awesome. Thank you so much. You too. Thanks for that. 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Lisa speaking. I if you just hold on one minute. I've just pulled the car over, and I'm just about to park. Sorry.\n\nOkay. Thanks. Are you there? Hi. Can you hear me okay?\n\nYes. I can. Sorry about that. Oh, I've had a busy couple of weeks. I can look at it.\n\nI I've got my email on my phone. Yeah. No problem. K. Make that there we go.\n\nOpen. Okay. No worries. It does. Yep.\n\nMhmm. No problem. Yep. Cool. Yep.\n\nCool. No worries. Yeah. Yeah. Yep.\n\nYep. Yes. For me, everything's fairly similar, but there has been a change in Scott, which you're probably not aware of. So we actually made the decision for him to go 50% at work, so he's cutting back. So, yeah, he we just need to focus more on home and and stuff like that and him being home more often than working out out of town.\n\nSo he's gonna be 50% working. So which means I'm gonna be the breadwinner. That will. Yep. Yeah.\n\nBecause I think at once they just said if we wanna talk about our stuff, like, together as a group, we're we're both comfortable with that because, obviously, we're, you know, we're we're comfortable with working out an outcome for both of us that'll, you know, put us both in the best position. So yep. Yep. It looks relatively correct. The way you put Ina, you put Lisa, the like, somebody that owned by both of us.\n\nDoes that matter? Okay. Good. No worries. Cool.\n\nActually, one question. Is the property the asset value for the property, is that just our home, or is that also including our other unit we've got at Mulunbin? Primary. Okay. No worries.\n\nYes. Yep. Cool. One six five? Yeah.\n\nYep. Okay. Yeah. No worries. Yep.\n\nYep. Yes. Okay. Yep. Okay.\n\nYeah. Yeah. Yeah. Yep. Yep.\n\nYep. Yeah. Okay. Yeah. Okay.\n\nYep. Yep. Yep. Sure. Yeah.\n\nYep. Yep. Yep. Nope. Yeah.\n\nNo. I'm all good. You're good. Yep. Cool.\n\nNo worries at all. Yes. No worries. Yes. Yeah.\n\nYeah. Yep. Yep. Yes. Yep.\n\nSure. Yeah. Yep. Yep. Yeah.\n\nYes. Yeah. Yes. Yes. No.\n\nI'm all good. Oh, I'll probably print it out and read it and see if I got any questions. Sure. Yep. Yeah.\n\nYeah. Yep. Yep. Yep. Okay.\n\nYeah. Yeah. Yeah. Yeah. Cool.\n\nYeah. Yep. Yep. Yes. Yep.\n\nWhat? Yep. Yeah. No. No.\n\nI'm all good. It's yeah. I'll just have to read it through, you know, all the risks and advantages and disadvantages, all that, get my head around that. Yeah. Yeah.\n\nYep. Awesome. Fantastic. Thank you so much. Maybe a couple of weeks.\n\nThat's okay. Thanks, Dana. No problem. Thanks. I'll talk to you again soon.\n\nYeah. Cool. Awesome. Thank you so much. You too.\n\nThanks for that. 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weeks.","start":2654.135,"end":2655.355,"sentiment":"neutral","sentiment_score":-0.0014279857277870178}],"sentiment":"neutral","sentiment_score":0.3160350689043601,"num_words":12,"start":2632.8,"end":2655.355},{"sentences":[{"text":"That's okay.","start":2657.335,"end":2658.075,"sentiment":"neutral","sentiment_score":0.07008411549031734},{"text":"Thanks, Dana.","start":2666.59,"end":2667.49,"sentiment":"positive","sentiment_score":0.7117236852645874},{"text":"No problem.","start":2675.445,"end":2676.0051,"sentiment":"positive","sentiment_score":0.4517536014318466},{"text":"Thanks.","start":2676.0051,"end":2676.3252,"sentiment":"positive","sentiment_score":0.567672848701477},{"text":"I'll talk to you again 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that.","start":2725.7002,"end":2726.58,"sentiment":"positive","sentiment_score":0.704646110534668},{"text":"Bye.","start":2726.58,"end":2727.08,"sentiment":"positive","sentiment_score":0.3988329768180847}],"sentiment":"positive","sentiment_score":0.6281928271055222,"num_words":4,"start":2725.7002,"end":2727.08}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Lisa\n\nChannel 0: Hi, Lisa. It's Dana again from Oakview Financial.\n\nChannel 1: speaking.\n\nChannel 0: Is now a bit better of a time for you?\n\nChannel 1: I if you just hold on one minute. I've\n\nChannel 0: Yeah.\n\nChannel 1: just pulled the car over, and I'm just about to park. Sorry.\n\nChannel 0: That's okay. Not a problem. I'm happy to hold you. Just let me know when no issues at all.\n\nChannel 1: Okay. Thanks.\n\nChannel 0: That's okay.\n\nChannel 1: Are you there?\n\nChannel 0: I am. Can\n\nChannel 1: Hi.\n\nChannel 0: can you hear me okay?\n\nChannel 1: Can you hear me okay? Yes. I can. Sorry about\n\nChannel 0: Same.\n\nChannel 1: that.\n\nChannel 0: No. That's okay. You've had a busy afternoon.\n\nChannel 1: Oh, I've had a busy couple of weeks.\n\nChannel 0: Wow. Yeah. No. That's okay. With this one here, I do need to send through the documents to your emails.\n\nIt is often easier if you're looking at the advice with me, but I can just take you through the recommendations, and then you're welcome to look at them later. Are you able to pull up your emails at the moment, or is it better if I just run you through the recommendations, talk you through everything, and then you can read it later on? What's more preferable for yourself?\n\nChannel 1: I can look at it. I\n\nChannel 0: Yep.\n\nChannel 1: I've got my email on my phone.\n\nChannel 0: Perfect. I've just sent the documents through to you. All good. Now just before we jump into the call completely, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that moving forward?\n\nChannel 1: Yeah. No problem.\n\nChannel 0: Fantastic. Thanks so much for that. I've just sent that through, so it should hopefully come through fairly quickly from OdooSign. I believe it has my name attached to it as well for you.\n\nChannel 1: K. Make that\n\nChannel 0: Yeah. You're right.\n\nChannel 1: there we go. Open.\n\nChannel 0: Perfect. Yeah. Now when you open the email, there is quite a few attachments there as well. The main one is the statement of advice. There is a button that says click to sign.\n\nHowever, you if you click the button, it just lets you go through so you can scroll through the pages. I'll never ask you to sign anything you haven't read, and it doesn't make you sign anything to move any further forward. Okay.\n\nChannel 1: Okay. No worries.\n\nChannel 0: Perfect. Excellent. I mean, sorry. All good. Now when you are looking at that first page, it should say Oakview Financial statements advice.\n\nJust let me know when\n\nChannel 1: It\n\nChannel 0: you can\n\nChannel 1: does.\n\nChannel 0: see that document there. So when you can see, fantastic. It has been prepared for yourself, Lisa Andrews, as of the 03/06/2026. Our advice documents are dated for sixty days. However, if it does take longer for you to review, it's no problem at all.\n\nWe can just reconfirm your circumstances and still proceed after that time frame. Okay? On the bottom of the page, it has been prepared by myself and my beautiful team here at Oakview Financial. My representative number is 13043 fine sorry. 1304394.\n\nIt is registered through ASIC, so you can always look me up if you do need to. I've also attached this document any PDFs and also the financial services guide. So you're welcome to have a look at me in there as well. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Perfect. So what I'll do is I'll just go through this sort of page by page. If you need me to stop, please let me know. I'll run through the recommendations for hitting the points that we need to touch. If you have any questions or you wanna interrupt me at any point, please just jump in.\n\nOkay?\n\nChannel 1: Mhmm. No problem.\n\nChannel 0: Beautiful. Now all advice is provided under the best interest duty, and it does know what the best interest duty is on the next page there for you. It's about making sure financial advisers are here to meet your goals and we're working towards your goals. This is the first advice document. Moving forward, if you decide to come on, as the client will be able to update the advice and make alterations as your life changes.\n\nOkay?\n\nChannel 1: Yep.\n\nChannel 0: The next page is a table of contents. You can just go completely past that one. And the next couple of pages, it is outlining what we're scoping in and scoping out. So the main areas that we are looking at is superannuation. You have an aim of retiring about the age of 60.\n\nBetween yourself and Scott, you're wanting to be able to draw down about $6,000 per month, so about 3,000 from each of your super funds on a monthly basis to be able to fund your retirement there. So we're looking at your super funds. You've got two of them at the moment and looking at how we can make those work as much as possible towards those goals for you. We're also looking at the insurance side of things. You do have a bit of life and t b in your current private super at the moment.\n\nWe looked at what to do with that to keep the current level of cover, but also making sure to re try and reduce the premiums if at all possible so you have more money working harder for you. And I also did do a bit of a really good review of your employer paid income protection policy, and I've got some recommendations in there for that for you and run you through a bit of information there as well.\n\nChannel 1: Cool.\n\nChannel 0: Okay? Excellent. I've also factored in the estate planning side of things for you. So we have it's really important when we are looking at superannuation that we are looking at making sure your beneficiaries are up to date. One of the biggest things we see in this industry is a lot of people passing away unexpectedly and not having beneficiaries' wills and power of attorneys and things like that set up.\n\nSo we do like to factor in the estate planning side of things to make sure that those little extras are completed. So at the worst possible time that your, you know, your wishes can be adhered to, and your family can receive their payments as quickly as possible. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Perfect. On the next page, we've got there the limited scope there. So we are looking at the retirement planning side to a limited extent. You're still a little bit further away, but about twelve years until you're able to retire at this point. So because we're over ten years, there are still some changes that could occur in your life, but we are working towards the retirement goal there.\n\nSo I have scoped into a limited extent to show you the projected outcome based on other recommendations and what we're looking at today, and then we'll keep evolving this moving forward for you as well. Okay?\n\nChannel 1: Cool.\n\nChannel 0: Areas that we're not looking at the moment are debt and cash on budgeting. You've sold your property, and you've got your CD bill to come out. You guys have got some money set away for that currently. We're not providing any additional advice in the area at the moment, but down the track, if you do need any additional advice on debt reduction or cash on budgeting or investments or anything else there, please come and have a chat to me. We can provide areas other than super retirement with full licensed advisers, and we just sort of help to look at what area you need advice in, what we can do to help in that area.\n\nIf we can help, we'll certainly find someone who can for you. Okay?\n\nChannel 1: No\n\nChannel 0: Perfect. We're also not looking at any trauma. So we did talk about trauma in our last\n\nChannel 1: worries.\n\nChannel 0: call.\n\nChannel 1: Yeah.\n\nChannel 0: Trauma is an out of pocket expense. You didn't sort of wanna increase those. At the moment, life isn't expensive enough with everything that's going on.\n\nChannel 1: Yeah.\n\nChannel 0: So we've scoped that out for now. But if you ever wanted to talk about trauma or reassess that in any way, let me know. I'm more than happy to have a chat about it. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. The next page is the limited advice scope. So this is letting you know that we scope in and out areas that we are and are not providing advice. You'll get to take this back and have a really good read of the document. A lot of what I go through can be quite a lot.\n\nSo I'll go through the things I need to, then you can take it away and have a good read of everything, and just let me know if you do have any questions at any point in time. When\n\nChannel 1: Yep.\n\nChannel 0: it comes to the estate planning side of things, we're not lawyers, but we can refer you to lawyers for the requirements of setting up a will, power of attorney, and anything estate planning wise. We look at personal insurances, so things like life, CBD, income protection, and trauma, certain general insurances like home and contents, motor insurances, public liability, and business cover. We tend to not look at any of those. There's a lot of different factors to take into consideration, but we can always refer you through to a general insurance broker should you require those services at all. And the last bit there is under the Better Advice Act 2021.\n\nI am a qualified relevant tax provider, so that means I can provide financial advice on tax and tax related matters. However, we're not accountants, so I like to think we're a little bit more fun than accountants. We help you to look at minimizing or, you know, helping to reduce the amount of tax in advance depending on the circumstances where the accountants will say you've sold this, you've got this bill, you've gotta pay that amount of tax. So it's a little bit different, but we can refer you through to an account if you did require those services as well. Okay?\n\nChannel 1: Yes.\n\nChannel 0: Perfect. The next page is about you. It's kinda going through all the information we had on yourself there. If you can just let me know, are there any major changes to any of those that I should be noting at the moment, or is everything still fairly similar?\n\nChannel 1: For me, everything's fairly similar, but there has been a change in Scott, which you're probably not aware of.\n\nChannel 0: Yep. Oh, what's\n\nChannel 1: So\n\nChannel 0: what's happening there?\n\nChannel 1: we actually made the decision for him to go 50% at work, so he's cutting\n\nChannel 0: Okay.\n\nChannel 1: back.\n\nChannel 0: Okay.\n\nChannel 1: So,\n\nChannel 0: Wow. Wow.\n\nChannel 1: yeah, he we just need to focus more on home and and stuff like that\n\nChannel 0: Yeah.\n\nChannel 1: and him being home more often than working out out of town. So\n\nChannel 0: Yeah.\n\nChannel 1: he's gonna be 50% working. So which means I'm gonna be the breadwinner.\n\nChannel 0: Wow. That'll be a very different vibe for you.\n\nChannel 1: That will.\n\nChannel 0: Yeah. Well, that is something to I'll make sure that I do touch touch base with him very soon and have a conversation and a bit of a catch up there for him to\n\nChannel 1: Yep.\n\nChannel 0: see how all that's going and see what made the changes that might might include in the advice world for him. Okay.\n\nChannel 1: Yeah. Because I think\n\nChannel 0: Beautiful.\n\nChannel 1: at once they just said if we wanna talk about our stuff, like, together\n\nChannel 0: Yep.\n\nChannel 1: as a group, we're we're both comfortable with that because, obviously,\n\nChannel 0: Yep.\n\nChannel 1: we're, you know, we're we're comfortable with working out an outcome for both of us that'll, you\n\nChannel 0: Yeah.\n\nChannel 1: know, put us both in the best position. So\n\nChannel 0: Absolutely. No. Definitely. Well, what we'll do is once you're happy and if you decide to take on the advice and come on board, I'll have external third party authority set up for both of you. So\n\nChannel 1: yep.\n\nChannel 0: we'll both get you to sign those so we can have them applied to the both of you. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Perfect. The next page outlines your assets and liabilities there. I know there could be some changes made in the time that we have spoken to when we gather the original data. Is there anything major that you would want sort of updated, or is everything still relatively correct as per your circumstances?\n\nChannel 1: It looks relatively correct. The way you put Ina,\n\nChannel 0: Yep.\n\nChannel 1: you put Lisa, the like, somebody that owned by both of us. Does that matter?\n\nChannel 0: Oh, no. That's okay. That's just because\n\nChannel 1: Okay.\n\nChannel 0: this is your\n\nChannel 1: Good.\n\nChannel 0: document. Yeah. That's\n\nChannel 1: No\n\nChannel 0: absolutely\n\nChannel 1: worries.\n\nChannel 0: fine. On Scott, everything had his name too, so that's fine.\n\nChannel 1: Cool.\n\nChannel 0: Yeah. No. That's absolutely fine. We also know your current superannuation balances between your Brighter and q super there for you, and the next page outlines the current insurance policy that you do have paid out of Brighter Super there as well. Okay?\n\nChannel 1: Actually,\n\nChannel 0: Yes.\n\nChannel 1: one question. Is the property the asset value for the property, is that just our home, or is that also including our other unit we've got at Mulunbin?\n\nChannel 0: No. This is just the the main primary residence.\n\nChannel 1: Primary. Okay. No\n\nChannel 0: Yeah.\n\nChannel 1: worries.\n\nChannel 0: Yep. Perfect. The next couple of pages outline of the risk profile. So we did go through those questionnaires. We talked about\n\nChannel 1: Yes.\n\nChannel 0: the level of risk and how we should be investing funds for you. We ended up on that growth portfolio there. This just outlines a bit more detail around what the growth portfolio is and a bit more detail there, but I'll\n\nChannel 1: Yep.\n\nChannel 0: make sure I go through this in a lot more detail below for you as well. Okay?\n\nChannel 1: Cool.\n\nChannel 0: The next page is the start of the recommendations. So to start with, I am recommending that we do move you out of Brighter Super and into a new Hub twenty four super\n\nChannel 1: One\n\nChannel 0: fund.\n\nChannel 1: six five?\n\nChannel 0: Hub\n\nChannel 1: Yeah.\n\nChannel 0: twenty four is a retail rep platform, and, essentially, advisors like them because we can build portfolios. Hub twenty four allows us access to about a little over 1,100 different investment options, everything from managed funds, exchange traded funds, right, and the individual companies in Australia and on overseas exchanges as well. So we can build portfolios that are working really well for yourself and making sure that we alter and change those moving forward as well. So we did actually have a really good look at the research, and I am recommending that we do move you from Brighter Super and in into\n\nChannel 1: Yep.\n\nChannel 0: Hub twenty four. That will mean that all contributions will be directed to Hub twenty four as well. We will start by only transferring a partial rollover. We'll leave 10,000 behind to begin with to keep your insurances in force until we are able to change the insurances, and I'll let you know a little bit below what we're doing with those as well. Okay?\n\nChannel 1: Okay.\n\nChannel 0: You'll see on each of these pages under the under the recommendation, we have a best interest duty statement. So this is essentially outlining how the how the recommendations are in yours of the best interest in line with your goals. You'll see each and every one of those. I'll let you have a bit of a read through those shortly, but it's about just making sure that things are working harder for you. If I can\n\nChannel 1: Yeah.\n\nChannel 0: get you just to skip a few pages for me and sorta\n\nChannel 1: No worries.\n\nChannel 0: head on down to page number sorry. Let me skip a little bit and pop down to page number 22. I can go through this recommendation in a bit more detail there for you and give you a\n\nChannel 1: Yep.\n\nChannel 0: bit more of an explanation. So this is this is essentially the fee comparison table, and it shows your current scenario. So you've got Vita Super with your current balance there. You've got your administration fees, investment fees, any other fees that might be applicable to the fund. There's no adviser fees being deducted there.\n\nYou've got your contributions going in and then also got your current insurance premiums there for you as well. Within\n\nChannel 1: Yep.\n\nChannel 0: your current super fund within Brighter Bay, you're actually in a balanced growth portfolio, which is a little bit lower. So a a growth portfolio was seen as a step higher than where the balance growth is. So by moving into hub twenty four, we're able to put you into a growth portfolio, which increases those growth investments, which is where you get a lot more of those returns moving forward from.\n\nChannel 1: Yes.\n\nChannel 0: So with the recommended, as I mentioned, we are recommending that we move you out of Brighter Super and into hub into hub 24. Essentially, what we can do is we can link these supers together and aggregate the fees behind the scenes to kind of reduce any fee as possible, but it means that we have a lot more access to the funds. We are recommending\n\nChannel 1: Okay.\n\nChannel 0: with your investment portfolio, we'll still have you in that growth portfolio, but we're gonna move you into our, SMA, so our separately managed account. With this growth portfolio, it's gonna be a mix of what we call the bloom and evergreen funds. It's a mix of the the medium to growth funds to give you that sort of eighty twenty split of growth versus defensive assets there.\n\nChannel 1: Yep.\n\nChannel 0: Having the SMA is a benefit because if you have a look at the bottom here, utilizing the five year rolling average by moving into the SMA, it has seen a greater past return over the last five years. So if the market's performed the way they have, you can see yourself in a better position moving forward there as well. The\n\nChannel 1: Okay.\n\nChannel 0: other reason for this is whilst the administration fees at the top are slightly higher with Hub twenty four, your investment fees are actually lower. So you actually end up saving quite significantly. So you're you with\n\nChannel 1: Yeah.\n\nChannel 0: the admin fees, Hub twenty four is about $550 more than what Brighter Super is. However,\n\nChannel 1: Yeah.\n\nChannel 0: the investment fees, you actually save $967. So when you sort of subtract the two, you're about 417 in front than what you\n\nChannel 1: Yeah.\n\nChannel 0: would see with Brightness. You're actually saving $417 for the first year there. So that's more money invested in your in your super compounding working harder for you at the end of the day as well, which is really important. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Perfect. We obviously do have our ongoing service and adviser fees to note as well. So one of the things we did talk about is if you come on board, we would be charging an upfront implementation fee to go through the implementation of the adviser. So it is 3.3%. It is capped at a $150,000 balance.\n\nSo the most you'd pay for that is 4,950. The way the implementation technically works with this recommendation is that we start by rolling over a partial rollover. We leave $10,000 behind in Brighter Super. We then invest the money in Hub. As the money has been invested in Hub, once it has been received by Hub twenty four, the $4.09 $5.00 comes out of the cash account nice and quickly, and then we invest the rest of the funds.\n\nAnd the balance at the top, the starting balance is the estimated that we expect to have after that $4.09 $5.00 has been deducted. And we have that invested in the portfolio nice and quick so it can make that money back for you and then start compounding and growing. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Perfect. You also probably noted in there that the the cost of the insurance is is slightly lower as well. Essentially, what I'm recommending with the insurance side of things is that we actually transfer your cover over. So one of the big things we talked about last time was that you didn't really wanna be paying a lot for insurances. Your super is kind of the main aspect of this, and this is the main most important part of it.\n\nSo we are recommending here that we just transfer your cover over. We'll keep the same level of cup you have in rider super and transfer it over, and it essentially means that you're paying about half the price there for that cover. Okay.\n\nChannel 1: Yep.\n\nChannel 0: You'll keep the same level of life and TPD. We just transfer it straight to hub 24, and it essentially is the same cover but a less cost. One of the big things to sort of note is with your current cover in Brighter Super and the advantages and disadvantages, which are important to note as well, with your Brighter Super life and TBD, you're actually getting a little bit extra pay by your employer to cover the cost of that. So your life and TBD in Brighter Super is actual employer paid. They're paying that $306 per per per year for that, and that amount\n\nChannel 1: Yeah.\n\nChannel 0: of money is added to your contributions. By transferring this over, whilst you are lowering the cost of the insurance premiums, it does mean that your insurance your employer will stop paying those premiums. The cost of $1.50 will come out of your contributions. But when I weighed up the difference so I did actually go back and do the math and have a look at the difference there. By reducing the cost of the insurance premiums, even though your employer won't be paying those on your behalf anymore, you actually save a lot more money.\n\nSo the advantages outweigh the disadvantages of not transferring that over versus your employer covering the cost of the insurance. Does that that make sense?\n\nChannel 1: Okay.\n\nChannel 0: Yeah. Other than that so that's essentially the recommendation. They're rolling the money over, moving into the hub 24, investing in the estimate with that growth percentage there. If you go up just one page, you'll see the asset allocation sort of driven down as well. So within a growth portfolio, you generally see that eighty twenty split, the 80% growth investments and 20% defensive investments.\n\nWith your existing\n\nChannel 1: Yeah.\n\nChannel 0: portfolio at the moment, you've got about 73% in growth investments and then about 27% in defensive investments. So with the SMA blend, we're essentially gonna have 79.6% in those growth investments. That's where you see majority of your returns. You're thinking Australian equities, international equities, and alternative things like gold and silver in there as well, and then reducing the defensive component down to about 20.4%. So defensive assets are lower tend to get lower rates of returns with things like fixed interest, cash, bonds, and things like that.\n\nSo trying to get a bit more growth out of your portfolio, we do need to take a little bit more risk because they're moving up and taking having more of those growth investments is where we see that come from. Okay?\n\nChannel 1: Okay. Yep.\n\nChannel 0: To see where your money would be invested, if you scroll up by one more page there for me,\n\nChannel 1: Yep.\n\nChannel 0: this is the investment break down. So at the moment, you've got your q super deferred benefit. Now I am recommending that we do not touch that in any way, shape, or form. I had\n\nChannel 1: Yep.\n\nChannel 0: a really good review of that. It is actually a great product. So the one forty two six seven four ninety one stays exactly where it is in q super. We We can apply a a TPA onto it, so a third party authority onto your fund, and then we can sort of help to monitor that with you as well. Okay?\n\nChannel 1: Sure. Yeah.\n\nChannel 0: With the Brighter Super, we would be selling most of it. So you'd sell about all the so all of the funds. So $4.81 would start with leaving 10,000 behind, but at the end of the day, the whole thing would be sold down. And then between the two different SMAs, we get this sort of blend here. So 60% in the blue, which is more of a growth fund, and then we've got sort of a 100 40% in the evergreen, which is more of a a balanced growth sort of option.\n\nSo we're doing a bit of a mix of blend between the two to make sure you have that $80.20 split keeping you invested in line. The\n\nChannel 1: Yep.\n\nChannel 0: downside to having these with the SMAs is that you can't see all the underlying investments. So you can see that you can only see the bloom versus the evergreen. It doesn't show\n\nChannel 1: Yep.\n\nChannel 0: you all the underlying investments that you have the investments in, and that is for a reason. So we're sort of saying this is where your money is going, but we control the underlying investments there so we can buy and sell and make changes as we need to. So with the markets\n\nChannel 1: Yep.\n\nChannel 0: at the moment, if we're looking at the investors and going, hey. This maybe needs to be removed out of there, then we can make that change quickly without having to call you and change an advice document and sort of, you know, take time out of your day. So the idea is that us plus the investment committee with BlackRock have a lot more control around the investments, what's happening in underlying. We can make changes quickly if need to. And\n\nChannel 1: Nope.\n\nChannel 0: that way, we're not having to update advice too regularly with regards to investments. We can take advantage of different investment opportunities nice and easily. But we can also send you change reports as well. So every sort of quarter the investment committee meet, they talk about what's happening in the estimate, where the money is invested underlying. And if they make changes, change reports are moved or provided as well.\n\nSo we can always send change reports when those things are updated and altered and changed. So the good side is it has performed really well. It is a lot cheaper than Bright wise. It means more money stays in your portfolio for you. The downside is you have less visibility on the investments that your funds are invested in.\n\nSo it's kind of one\n\nChannel 1: Yeah.\n\nChannel 0: of those things. Does that make sense? Do you have any questions so far?\n\nChannel 1: No. I'm all good.\n\nChannel 0: Yeah. Perfect. Oh, good. Sorry. I'm probably the happiest person ever to talk about sleep, but, so, like, you're welcome to stop\n\nChannel 1: You're\n\nChannel 0: me at any point. I do it as of in this I also have all the advantages, disadvantages, and the risks involved. I have gone through a few of them with you. There is\n\nChannel 1: good.\n\nChannel 0: a lot\n\nChannel 1: Yep.\n\nChannel 0: more noted there. So you're welcome to run your eyes over that, have a really good read of all of those, and then let me know if you do have any additional questions in relation to it. Okay?\n\nChannel 1: Cool. No worries\n\nChannel 0: Perfect.\n\nChannel 1: at all.\n\nChannel 0: The other thing on that, like, the comparison table there on page 22, you'll see your contribution difference there. Now because your balance between the two funds is over 500,000, we weren't able to utilize any additional contributions of your cap space from previous years. So we are very limited. Given your income is quite high, you're a very high income earner, we are very limited to making additional contributions. But when I kinda looked at the option, starting additional contributions now is gonna benefit you more now than it will if we started in five or six or ten years' time.\n\nChannel 1: Yes.\n\nChannel 0: So I am recommending that we do salary sacrifice a little bit. Unfortunately, given the amount that you do have available to you, the most we're able to salary sacrifice on a yearly basis without breaking the cap is about $2,000 on a yearly basis there. So it works out to be\n\nChannel 1: No\n\nChannel 0: about $38.46 on a weekly basis. It is only a very small amount, and we can always set it at the end of each financial year, see what you have available there. But even contributing\n\nChannel 1: worries.\n\nChannel 0: an\n\nChannel 1: Yes.\n\nChannel 0: extra $38.46 or or $37 if you wanna round it up or down, Essentially, that over the next twelve years can provide a greater benefit. It's more money invested for you.\n\nChannel 1: Yeah.\n\nChannel 0: It does\n\nChannel 1: Yeah.\n\nChannel 0: give you a little bit of it because it's a pretax deduction. It does help to reduce a little bit of your income tax. Admittedly, the benefit would be very minimal given the amount. However, putting that money in now and having it invested tax of 15% rather than your marginal tax rate over the next twelve years has a greater compounding effect there. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Perfect. If you scroll down to the next page then, now one of the things we did kinda talk about was moving into the SMA blend and the difference in the five year rolling average debt. So you can sort of see a projection here. So if over the next sort of five to ten years, the SMA works the way it has, and we've got that average rate of return on a regular on a yearly basis over the next five to ten years, you can sort of see where that puts you.\n\nI do and really am open. Projections are just projections. We always use returns that are from previous years, and we know markets are very volatile. They are at the moment with everything that's going on, and we know that you're not gonna get 11% every single year. Some years, you might get 15 or 20%.\n\nOther years, it might be 11. It might be, you know, 5% one year. And we do know that one in every sort of six years, we can expect a negative return there as well. So it's about being invested, participating in the market, and investing when when it's down, taking advantage of those downtimes and keeping our contributions going in there. But over the course of time, if you can average this sort of rate of return, if the portfolio works the way we want it to, you can sort of see the projection of where we hope you end up over the next five to ten years.\n\nBut we will do catch ups with you and see what's happening, how things are going for you. I've got my lovely admin here who has a fantastic calendar, and we put every quarter who needs a catch up when. And she makes sure to touch base and book everyone in with the catch up so we can determine what advice needs to be updated, when you need, you know, changes to your circumstances or if your income grows because I know your income's due to increase in the next few months there as well. So we can always increase, change, and evolve this advice as your life changes as we work out towards your retirement goals over the next twelve years. The\n\nChannel 1: Yep.\n\nChannel 0: other thing I do like to kinda point out is advice doesn't stop when you hit retirement. When you get to 60, that's just us heading out of the accumulation phase, then we're into the retirement phase. What I would like to do, and I what I did sort of say this got last time, was what I would like to do in the future is readjust the advice and maybe do a joint advice piece with the both of you so we can see where we've gotten to so far, what we're looking forward to. But then also looking in the retirement years when we get closer, whether we need to maybe shelter some money somewhere so you can access the age pension to give you other benefits there, whether, you know, how long we draw super out of, who's got a higher balance, and who we draw more money out of versus less so we can get longevity out of both of your super funds as well. So there's lots of other\n\nChannel 1: Yes.\n\nChannel 0: things that we can do in that retirement space, which is really fun and really cool,\n\nChannel 1: Yep.\n\nChannel 0: And it's about making sure we're working towards that. But if life doesn't stop at 60, it only gets better and better from there as we work through those retirement years. Okay?\n\nChannel 1: Sure.\n\nChannel 0: Perfect. Underneath that, we do have the annualized returns to to sort of show you the difference between Brighter Super and the recommended at the moment. Unfortunately, recommended doesn't give us a ten year rolling average, but we do have the five that we've been working on. We do like to work on the longest rolling average we can because it sort of shows you that the portfolio has been around for a longer time. It's got a longer track record, which is really important for averaging out returns.\n\nOkay.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. The next sort of page is going through the salary sacrifice. Unfortunately, I couldn't recommend anything more than the $2,000 on an annual basis, and that was rounding it down a little bit as well. So you do have a little bit of cap space there. But, look, you're on a great income, and your employer's making great contributions as it is.\n\nAnd just the contributions you have plus this little bit of salary sacrifice that will top it up, you can sort of see projected above. You're on track for a really great retirement at the moment. So we just need the markets to perform. We just need to make sure that things are working for you and make sure we catch up and and change the advice as we need to moving forward as well. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Again, the next pages do outline the advantages, the disadvantages, the risks involved, any alternatives that I've also considered as part of the research there for you.\n\nChannel 1: Yep.\n\nChannel 0: The following page on page number 27, this outlines with regard to the q super defined benefits. I am recommending we keep that exactly as it is. We'll keep touch\n\nChannel 1: Yeah.\n\nChannel 0: with you. One of the best things about this sort of I love these things. They're great. I actually asked my boss to do one for us, and he said no. Defined benefits are fantastic, and this is actually a deferred benefit.\n\nSo your defined benefit has technically moved into what's called deferred benefit stage. The funds can stay in here until the age of 55, and they're actually not invested in the market. So they're not market linked in any way. Your end figure does not depend upon what the market\n\nChannel 1: Yes.\n\nChannel 0: does, unlike the rest of your super, which is really cool. It is essentially invested in the average wage option, which means that it is every year, it is indexed, sometimes by CPI, sometimes by a lesser amount. I did try to find out from q super, and I have tried to find out a few times what the indexation rate is. They won't tell anyone, and it changes every year. So every time I have one, I call and I try.\n\nIt doesn't happen.\n\nChannel 1: Yeah.\n\nChannel 0: So, yeah, keeping everything in the in the defined benefit for the moment until the age of 55. When you get closer to the age of 55, we can look at the difference in the time frame that they're gonna move it. At 55, they give you the option of moving it to another fund, sometimes withdrawing some of the benefit or keeping it in queue through, then it moves into the accumulation phase in there. So at about age age 55, after it steadily increased over time along with the indexation figure, then we should be able to look at consolidating that into hub twenty four and having everything in one place there for you. Okay?\n\nChannel 1: Yes.\n\nChannel 0: Perfect. The defined benefit amount they've given us at the moment is an estimate. It's really funny because they have this cool equation for essentially determining the current balance. This should be increasing every year, so it should only get more and more from here. When we're looking at retirement, bigger because we can't determine the growth rate for the for the deferred benefit side of things, I haven't been able to account for that into the retirement projections.\n\nBut as we get closer and closer, this is only gonna provide a greater benefit to your retirement outcome. Okay?\n\nChannel 1: Yes.\n\nChannel 0: Perfect. Do you have any questions so far at all?\n\nChannel 1: No. I'm all good.\n\nChannel 0: No? Perfect. On the next couple of pages, I've outlined some good advantages, disadvantages against some risks involved and alternatives that I've also considered there for you to review. I'd like to make sure that these sections are really well detailed, so they do look quite large. There is a lot there.\n\nPlease feel free to have a read through those in your time, and then let me know if there's any questions in relation to any of them. Okay?\n\nChannel 1: Oh, I'll probably print it out and read it and see if I got\n\nChannel 0: All\n\nChannel 1: any\n\nChannel 0: good.\n\nChannel 1: questions.\n\nChannel 0: All good. The next one here is the retirement calculation. So this, as I kinda mentioned, is based on a limited scope. So based on the current projections, based on the current recommendations where we kinda see in the next twelve years this projected outcome to be. As I kinda mentioned, projections are those projections.\n\nThey can always change depending on your lifestyle factors, your income, when you decide to retire. It also depends on market returns and things like that as well, so we wanna keep checking on track. But based on the current outcome there, with you drawing $3,036,000 dollars per annum out, we can actually project that you are are able to hit that target currently, basically, up until the age of about 99. So this is putting you on track to be able to meet your goals and draw enough out of super for you to live on permanently, which is fantastic. It's actually\n\nChannel 1: Sure.\n\nChannel 0: projected about $612 more than your target income and still giving you longevity out of super. So it is a great strategy. It is sort of showing you that you can meet your goal. You're on track to do so. For the moment, we just need to keep reviewing things because twelve years is a long time away.\n\nA lot of things can happen in that time frame, and we just wanna keep reviewing things moving forward for you as well. Okay? Perfect. The next sorry. The next strategy, if you scroll down, is the insurance strategy.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. So as I mentioned, you've got your life and TBD inside your Brighter Super at the moment. Essentially, what we wanna do is retain the life and TBD amount. It still gives you a 106,000 of life and TPD in the event that something happens, and then roll that over so it's held by hub twenty four. It essentially reduces the premium.\n\nSo you save about a $156 per year on the total premium, but still get get to keep the same level of cover if anything happens. The monthly with the way that these are the covers are transferred and the way they are paid is that you would actually pay this on a monthly basis. So $12.53 is deducted out of your super fund each month, but it'll equate to about a 150 over the course of the year there. But it essentially allows you to keep the life and TPD for as long as you need it until it expires. These things tend to expire at around about $8.65 depending on the policy.\n\nJust because by the time of 60, we're retiring, we actually don't really normally need any life or TPD anymore. But having it for the next twelve years is still really important. You do still have debts. You still have a life to cover in a family, and it's really important to have that sort of backup for the time being. So keeping\n\nChannel 1: Yeah.\n\nChannel 0: the cover, transferring it over allows you to retain it. There's no underwriting process to go through, which is fantastic. It's a straight retention. It's a good level of cover. If anything was to happen to you as we kinda went through with your life and your super balances, everything would be paid out and does cover your debt levels and still provide Scott with a a, you know, a little extra to sort of take time off and work out what to do with.\n\nAnd having TBD, again, the same thing. If you have TBD, the TBD payout is made, and then also your super balances can also be paid out. And you can also claim permanent disability on the deferred benefit within q super as well. So all of that can be released in the instance of TPD, which is a benefit. And so now having a look at your circumstances and your life, having that life in TPD is still really important as a bit of a backup security for you.\n\nOkay?\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. Again, we've got the best interest of you there, some advantages, disadvantages, and the risks involved there. One sort of thing I do like to point out is on page number 35, we do have the projection table again, but it table again, but it also shows you a comparison that if you were not to pay any insurances inside super. So we do know that paying with insurances inside super, because your premiums are coming out of your super fund, there is an impact on your super. But with the insurance premiums that we you are paying now versus the recommended, there's a very minimal impact.\n\nHowever, if you were not to pay any insurances at a super with the hub 24 the way it is projected above, you can actually see and project where you could end up over the next five to ten years. Okay.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. It's not a huge difference. It goes from, like, $1300000.0.01 5 to $1300000.0.01 7. So it's not a massive difference or a huge impact there, but it does have an impact. And and we just wanna make sure that we're, you know, making you aware of that and being open and honest with everything that we do disclose.\n\nPerfect. We've got the advantages, the disadvantages, and the risks involved on the next few pages there for you and any alternatives that we have also considered.\n\nChannel 1: Yep.\n\nChannel 0: The following page on page number 38 outlines your employer paid income protection policy, which I\n\nChannel 1: Yep.\n\nChannel 0: love your that policy. I think it is fantastic. You can't get another income protecting policy like this anywhere that I have seen. I think it's fantastic. I am recommending, as we discussed, that you do retain that policy.\n\nIt is a really good policy, but, essentially, has a forty five day waiting. Essentially, it also covers a 100% of income for the first thirteen weeks and reduces to 85% for the remaining ninety one weeks. You can be on this benefit for a maximum of a hundred and four weeks. If you're over 70, 75 years of age, it reduces to 52. Anyone over the age of 75, it goes to definitely longer as well.\n\nSo this is a really cool policy because there is not with income protection benefits now, you can't be covered for more than 70% of your income. So this pays a much higher benefit. Admittedly,\n\nChannel 1: Okay.\n\nChannel 0: it's a shorter benefit period, but it pays a really good higher benefit. You can also use it as a top up if you're on, like, workers' compensation or something and needing to claim as a top up. It also has some cool features as well. So the funeral benefit of up to 5,000, which can be paid out. So if you were to pass away, there's a extra funeral benefit, which can be paid out nice and quickly.\n\nIt has a zero day waiting period for serious some serious medical conditions, and in the PDF document, it outlines what those are. It also has a workers' compensation top up. So as I mentioned, if you're on workers' compensation, which normally only covers around about 80% of someone's wage, if they're on, you know, a full workers' compensation. You can then top it up with this policy to cover a 100% of your income, which is pretty cool.\n\nChannel 1: Yeah.\n\nChannel 0: And then it's also got the financial planning benefit as well. So if you're on a claim for more than six months and you can seek financial planning, and they cover the cost of that up to a certain amount. So that is, again, nice and cool, but we certainly hope you're not on an income protection claim for that long. But it is a really great policy, And the biggest benefit is that it's not paid by you in any way, shape, or form. So the best insurance is the one that covers you,\n\nChannel 1: Yeah.\n\nChannel 0: but you don't have to pay for it. Yeah. I've got another best interest, Eddie. It is your best interest to keep because a, it is an employer paid policy. The benefit is higher than any income protection benefit out there.\n\nIt essentially gives you that level of cover without you having to cover the cost of it, and retaining it is just it's just the way it yeah. It's nothing else I can say, really. It's just why would you give that up? It's just fantastic, honestly. I was\n\nChannel 1: Yeah.\n\nChannel 0: a little bit jealous. I was like, woah. I didn't even have those benefits. I do have the advantages, disadvantages, and the risks involved below because with every decision we make, with every product, there are advantages as well as disadvantages to take into consideration. So I\n\nChannel 1: Yeah.\n\nChannel 0: have outlined those for you so you can have a good review of each of them as\n\nChannel 1: Cool.\n\nChannel 0: well. Okay? Perfect. The last sort of recommendation here is about the estate planning side of things. So because we are looking at moving you out of Brighter Super and into Hub 24, we do need to make sure your beneficiaries are done.\n\nSo I will recommend that we do a binding, non lapsing beneficiary nomination. Essentially, that basically means that the trustee is bound to follow the directions so long as the nomination is valid. And non lapsing means you only have to fill out one beneficiary form, and you don't have to fill it out again until you wanna revoke or change that nomination. And as per your wishes, we'll make sure Scott is nominated as the beneficiary in the event that you pass away.\n\nChannel 1: Yeah.\n\nChannel 0: With the deferred benefit side of things, I did a really good deep dive into q super and the deferred benefit there. They do allow for a beneficiary nomination to be provided, and they do, according to the documents, allow a binding non lapsing nomination as well. So we'll make sure that that is applied and sent to them. That way, it can also be, added to the account. With QSuper, one of the things I did say before is we wanna try and add a TPA on there.\n\nQSuper have been a little bit hard with us with TPAs, and I just forget this. I do apologize. They've been a bit hard dealing with with advisers, so we might not be able to have a TPA on file, but we can help you to monitor it. We'll just maybe need to get a couple of statements here and there just to help us keep an eye on things, but we can absolutely help you keep an eye on that one. And\n\nChannel 1: Yep.\n\nChannel 0: we'll make sure this beneficiary nomination is applied to that deferred benefit as well for you. Okay?\n\nChannel 1: Yep.\n\nChannel 0: All good. Again, you've got some advantages, disadvantages, and the risks involved there. You do have you did mention you do have a will and power of attorney already,\n\nChannel 1: Yes.\n\nChannel 0: so that is something I haven't sort of factored as the advice. But if you ever did wanna have those updated, I'll just speak to a solicitor. I'm more than help happy to help provide someone that can do that for you. But\n\nChannel 1: Yep.\n\nChannel 0: that's essentially all the recommendations there, trying to keep it nice and easy for you. If you scroll down to page number 46, as I kinda went through with the projection table there, you can see with coming on board and going through the implementation process, everything with you up into the point you sign the advice and we start implementing it is fully complimentary. So if you decide you don't like any of this, you're out. That's absolutely fine. There's no cost involved.\n\nBy coming on board and having us implement things, we've got the upfront fee of $4.09 $5.00. It is a flat fee there because your balance is over a 150 k. That is deducted out of hub twenty four as soon as\n\nChannel 1: What?\n\nChannel 0: the money hits. That way, we can have it invested and working harder and earning that back there for you. We do also have the ongoing service fee attached. Now this actually does note it's 1.65%. For yourself, it would be 1.1.\n\nI do apologize. My power plan, I forgot that. Scott's your partner, and he nominated this. But Scott also says 1.65%. What I'll do is if you decide to take on the advice, I will knock that and make sure it is reduced to 1.1% for you, and we'll link it so the same thing happens to Scott.\n\nI don't want you to sign the document based on just reducing his ongoing service fee. You know, I kind of like everyone to sign the advice because they're happy with the advice I have provided, and I think it's gonna help them moving forward. So it does say 1.65% there, but it is only 1.1 for you, and it's\n\nChannel 1: Yep.\n\nChannel 0: just over disclosing. So we like to make sure we're over disclosing the fees in the advice documents. We also cap our ongoing service fee at a balance of 600,000. So the most anyone ever pays us is 9,900. Okay?\n\nChannel 1: Yeah.\n\nChannel 0: All good. Do you have any questions or anything that you need updated or anything that you've got concerns about? Is there anything you wanted to bring up?\n\nChannel 1: No. No. I'm all good. It's yeah. I'll just\n\nChannel 0: Yep.\n\nChannel 1: have to read it through, you know, all the risks and advantages and disadvantages, all that, get my\n\nChannel 0: Absolutely.\n\nChannel 1: head around\n\nChannel 0: Yeah. Absolutely. It is a lot to go through. It's sort of why I try to say let's have the document in front of you because I do go through a lot, especially with your advice document\n\nChannel 1: that. Yeah.\n\nChannel 0: here.\n\nChannel 1: Yeah.\n\nChannel 0: But, yeah, please take some time. Have a read through it. Let me know if you do have any questions\n\nChannel 1: Yep.\n\nChannel 0: straight after the call. I will just email you again. I know you've been emailing with the girls prior to this, but I'll send you an email from my email. That way, you've got that there direct. And if you find you have any questions that comes from you reading over the document, you're welcome to let me know.\n\nOkay?\n\nChannel 1: Awesome. Fantastic. Thank you so much.\n\nChannel 0: Perfect. That's okay. Not a problem at all. I thank you so much for your time. I know you've had a really busy couple\n\nChannel 1: Maybe\n\nChannel 0: of\n\nChannel 1: a\n\nChannel 0: weeks,\n\nChannel 1: couple\n\nChannel 0: and today\n\nChannel 1: of weeks.\n\nChannel 0: has not been any easier for you.\n\nChannel 1: That's okay.\n\nChannel 0: But oh, good. Take your time reading through that one. Let me know if there's anything I that you need or any questions that you have, and I'm more than happy to answer them for you. Okay?\n\nChannel 1: Thanks, Dana.\n\nChannel 0: No worries at all. Looking forward to working with you, Lisa. I've really enjoyed putting this plan together, and thank you so much for the opportunity to do so.\n\nChannel 1: No problem. Thanks. I'll talk to you again soon.\n\nChannel 0: No worries. And before you go, I should also let you\n\nChannel 1: Yeah.\n\nChannel 0: know once you get through that one on the email, you'll also see the other documents there, the fax find. We've also got a lot of super search that we'll do if you decide to come on board. You'll see applications and things like that as well. So if you decide to take on the advice, you're happy to sign it. It'll also ask you to sign the application forms, the lost super search, your fax line, and things like that.\n\nThat just helps us to start the the process of the implementation and attach the to the email there as attachments. I've got a copy of the statement of advice, the appendix in there for you as well, and I've also got our financial services guide and any product disclosure statements for the products that I have recommended for you as well. Okay?\n\nChannel 1: Cool. Awesome. Thank\n\nChannel 0: Beautiful.\n\nChannel 1: you so much.\n\nChannel 0: My pleasure. Thank you so much for your time. I hope you have a lovely afternoon and get some rest.\n\nChannel 1: You too. Thanks for that. Bye.\n\nChannel 0: Thanks, Lisa. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.0,"end":0.32,"sentiment":"neutral","sentiment_score":0.050750233232975006},{"text":"Lisa","start":0.32,"end":0.82,"sentiment":"neutral","sentiment_score":0.03564399853348732}],"sentiment":"neutral","sentiment_score":0.04319711588323116,"channel":1,"num_words":2,"start":0.0,"end":0.82},{"sentences":[{"text":"Hi, Lisa.","start":1.92,"end":2.48,"sentiment":"neutral","sentiment_score":0.10515126585960388},{"text":"It's Dana again from Oakview Financial.","start":2.48,"end":4.58,"sentiment":"neutral","sentiment_score":0.1524164006114006}],"sentiment":"neutral","sentiment_score":0.14060011692345142,"channel":0,"num_words":8,"start":1.92,"end":4.58},{"sentences":[{"text":"speaking.","start":4.24,"end":4.74,"sentiment":"neutral","sentiment_score":0.1109415739774704}],"sentiment":"neutral","sentiment_score":0.1109415739774704,"channel":1,"num_words":1,"start":4.24,"end":4.74},{"sentences":[{"text":"Is now a bit better of a time for you?","start":4.72,"end":7.06,"sentiment":"neutral","sentiment_score":0.09201420955359936}],"sentiment":"neutral","sentiment_score":0.09201420955359936,"channel":0,"num_words":10,"start":4.72,"end":7.06},{"sentences":[{"text":"I if you just hold on one minute.","start":8.0,"end":10.0,"sentiment":"neutral","sentiment_score":-0.03147183475084603},{"text":"I've","start":10.0,"end":10.24,"sentiment":"neutral","sentiment_score":-0.01364877074956894}],"sentiment":"neutral","sentiment_score":-0.029491494306259684,"channel":1,"num_words":9,"start":8.0,"end":10.24},{"sentences":[{"text":"Yeah.","start":10.16,"end":10.66,"sentiment":"neutral","sentiment_score":-0.009236366488039494}],"sentiment":"neutral","sentiment_score":-0.009236366488039494,"channel":0,"num_words":1,"start":10.16,"end":10.66},{"sentences":[{"text":"just pulled the car over, and I'm just about to park.","start":10.24,"end":12.88,"sentiment":"neutral","sentiment_score":-0.05529910766265609},{"text":"Sorry.","start":12.88,"end":13.38,"sentiment":"neutral","sentiment_score":-0.029210146516561508}],"sentiment":"neutral","sentiment_score":-0.05312502756714821,"channel":1,"num_words":12,"start":10.24,"end":13.38},{"sentences":[{"text":"That's okay.","start":13.215,"end":13.8550005,"sentiment":"neutral","sentiment_score":0.07407999597489834},{"text":"Not a problem.","start":13.8550005,"end":14.415,"sentiment":"neutral","sentiment_score":0.3306569755077362},{"text":"I'm happy to hold you.","start":14.415,"end":15.295,"sentiment":"positive","sentiment_score":0.5631858468055725},{"text":"Just let me know when no issues at all.","start":15.295,"end":17.395,"sentiment":"neutral","sentiment_score":0.3139251122872035}],"sentiment":"positive","sentiment_score":0.3569150612150368,"channel":0,"num_words":19,"start":13.215,"end":17.395},{"sentences":[{"text":"Okay.","start":17.625,"end":18.125,"sentiment":"neutral","sentiment_score":0.28038275241851807},{"text":"Thanks.","start":18.505001,"end":19.005001,"sentiment":"positive","sentiment_score":0.4352267384529114}],"sentiment":"positive","sentiment_score":0.3578047454357147,"channel":1,"num_words":2,"start":17.625,"end":19.005001},{"sentences":[{"text":"That's okay.","start":19.535,"end":20.355,"sentiment":"neutral","sentiment_score":0.22013644874095917}],"sentiment":"neutral","sentiment_score":0.22013644874095917,"channel":0,"num_words":2,"start":19.535,"end":20.355},{"sentences":[{"text":"Are you there?","start":82.42,"end":83.159996,"sentiment":"neutral","sentiment_score":0.08191785464684169}],"sentiment":"neutral","sentiment_score":0.08191785464684169,"channel":1,"num_words":3,"start":82.42,"end":83.159996},{"sentences":[{"text":"I am.","start":83.689995,"end":84.17,"sentiment":"neutral","sentiment_score":0.049551572650671005},{"text":"Can","start":84.17,"end":84.329994,"sentiment":"neutral","sentiment_score":0.014953572303056715}],"sentiment":"neutral","sentiment_score":0.03801890586813291,"channel":0,"num_words":3,"start":83.689995,"end":84.329994},{"sentences":[{"text":"Hi.","start":84.259995,"end":84.759995,"sentiment":"neutral","sentiment_score":0.019858194515109066}],"sentiment":"neutral","sentiment_score":0.019858194515109066,"channel":1,"num_words":1,"start":84.259995,"end":84.759995},{"sentences":[{"text":"can you hear me okay?","start":84.329994,"end":85.39,"sentiment":"neutral","sentiment_score":0.003484036959707737}],"sentiment":"neutral","sentiment_score":0.003484036959707737,"channel":0,"num_words":5,"start":84.329994,"end":85.39},{"sentences":[{"text":"Can you hear me okay?","start":84.899994,"end":85.85999,"sentiment":"neutral","sentiment_score":-0.0011870313435792923},{"text":"Yes.","start":85.85999,"end":86.1,"sentiment":"neutral","sentiment_score":0.025128386914730072},{"text":"I can.","start":86.1,"end":86.74,"sentiment":"neutral","sentiment_score":0.018903576768934727},{"text":"Sorry about","start":86.74,"end":87.299995,"sentiment":"neutral","sentiment_score":-0.040387215092778206}],"sentiment":"neutral","sentiment_score":-0.0023774046450853346,"channel":1,"num_words":10,"start":84.899994,"end":87.299995},{"sentences":[{"text":"Same.","start":87.235,"end":87.735,"sentiment":"neutral","sentiment_score":-0.03405206650495529}],"sentiment":"neutral","sentiment_score":-0.03405206650495529,"channel":0,"num_words":1,"start":87.235,"end":87.735},{"sentences":[{"text":"that.","start":87.299995,"end":87.799995,"sentiment":"neutral","sentiment_score":-0.03980372846126557}],"sentiment":"neutral","sentiment_score":-0.03980372846126557,"channel":1,"num_words":1,"start":87.299995,"end":87.799995},{"sentences":[{"text":"No.","start":87.955,"end":88.195,"sentiment":"neutral","sentiment_score":-0.1499311923980713},{"text":"That's okay.","start":88.195,"end":88.995,"sentiment":"neutral","sentiment_score":-0.14735199511051178},{"text":"You've had a busy afternoon.","start":88.995,"end":90.455,"sentiment":"neutral","sentiment_score":-0.21830444633960724}],"sentiment":"neutral","sentiment_score":-0.19201967678964138,"channel":0,"num_words":8,"start":87.955,"end":90.455},{"sentences":[{"text":"Oh, I've had a busy couple of weeks.","start":91.244995,"end":93.265,"sentiment":"neutral","sentiment_score":-0.13512477278709412}],"sentiment":"neutral","sentiment_score":-0.13512477278709412,"channel":1,"num_words":8,"start":91.244995,"end":93.265},{"sentences":[{"text":"Wow.","start":93.555,"end":94.055,"sentiment":"neutral","sentiment_score":-0.01951161026954651},{"text":"Yeah.","start":94.355,"end":94.855,"sentiment":"neutral","sentiment_score":-0.0249625276774168},{"text":"No.","start":94.915,"end":95.235,"sentiment":"neutral","sentiment_score":-0.07990463078022003},{"text":"That's okay.","start":95.235,"end":96.135,"sentiment":"neutral","sentiment_score":-0.04042714275419712},{"text":"With this one here, I do need to send through the documents to your emails.","start":96.915,"end":99.875,"sentiment":"neutral","sentiment_score":0.02970867579181989}],"sentiment":"neutral","sentiment_score":0.012019854132086038,"channel":0,"num_words":20,"start":93.555,"end":99.875},{"sentences":[{"text":"It is often easier if you're looking at the advice with me, but I can just take you through the recommendations, and then you're welcome to look at them later.","start":99.875,"end":106.6,"sentiment":"neutral","sentiment_score":0.12259305516878764},{"text":"Are you able to pull up your emails at the moment, or is it better if I just run you through the recommendations, talk you through everything, and then you can read it later on?","start":107.380005,"end":114.66,"sentiment":"neutral","sentiment_score":0.061430440949542184},{"text":"What's more preferable for 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one.","start":272.96,"end":275.22,"sentiment":"neutral","sentiment_score":0.034265764988958836},{"text":"And the next couple of pages, it is outlining what we're scoping in and scoping out.","start":275.44,"end":280.16,"sentiment":"neutral","sentiment_score":0.05847008526325226},{"text":"So the main areas that we are looking at is superannuation.","start":280.16,"end":282.58,"sentiment":"neutral","sentiment_score":0.04296353323893114},{"text":"You have an aim of retiring about the age of 60.","start":283.12,"end":285.7,"sentiment":"neutral","sentiment_score":0.23792096701535312}],"sentiment":"neutral","sentiment_score":0.08413719275483379,"channel":0,"num_words":54,"start":271.2,"end":285.7},{"sentences":[{"text":"Between yourself and Scott, you're wanting to be able to draw down about $6,000 per month, so about 3,000 from each of your super funds on a monthly basis to be able to fund your retirement 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question.","start":696.815,"end":697.555,"sentiment":"neutral","sentiment_score":0.017241655848920345},{"text":"Is the property the asset value for the property, is that just our home, or is that also including our other unit we've got at Mulunbin?","start":697.615,"end":706.115,"sentiment":"neutral","sentiment_score":0.012271715543017937}],"sentiment":"neutral","sentiment_score":0.012626711279153824,"channel":1,"num_words":28,"start":696.815,"end":706.115},{"sentences":[{"text":"No.","start":706.815,"end":707.055,"sentiment":"neutral","sentiment_score":-0.05044335871934891},{"text":"This is just the the main primary 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next couple of pages outline of the risk profile.","start":714.25,"end":716.89,"sentiment":"neutral","sentiment_score":0.11186126731336117},{"text":"So we did go through those questionnaires.","start":716.89,"end":718.41003,"sentiment":"neutral","sentiment_score":0.0876344506229673},{"text":"We talked about","start":718.41003,"end":719.05,"sentiment":"neutral","sentiment_score":0.06434707591931026}],"sentiment":"neutral","sentiment_score":0.10612153854559768,"channel":0,"num_words":22,"start":711.05,"end":719.05},{"sentences":[{"text":"Yes.","start":718.86,"end":719.36,"sentiment":"neutral","sentiment_score":0.02464989572763443}],"sentiment":"neutral","sentiment_score":0.02464989572763443,"channel":1,"num_words":1,"start":718.86,"end":719.36},{"sentences":[{"text":"the level of risk and how we should be investing funds for you.","start":719.05,"end":722.415,"sentiment":"neutral","sentiment_score":-0.05528943699139815},{"text":"We ended up on that growth portfolio there.","start":722.57495,"end":724.65497,"sentiment":"neutral","sentiment_score":0.06409171130508184},{"text":"This just outlines a bit more detail around what the growth portfolio is and a bit more detail there, but I'll","start":724.65497,"end":730.175,"sentiment":"neutral","sentiment_score":0.10751490969033468}],"sentiment":"neutral","sentiment_score":0.04885200269165493,"channel":0,"num_words":42,"start":719.05,"end":730.175},{"sentences":[{"text":"Yep.","start":730.145,"end":730.645,"sentiment":"neutral","sentiment_score":0.15563970804214478}],"sentiment":"neutral","sentiment_score":0.15563970804214478,"channel":1,"num_words":1,"start":730.145,"end":730.645},{"sentences":[{"text":"make sure I go through this in a lot more detail below for you as well.","start":730.175,"end":733.535,"sentiment":"neutral","sentiment_score":0.1987656420096755},{"text":"Okay?","start":733.535,"end":734.035,"sentiment":"neutral","sentiment_score":0.1628718376159668}],"sentiment":"neutral","sentiment_score":0.19665424175122204,"channel":0,"num_words":17,"start":730.175,"end":734.035},{"sentences":[{"text":"Cool.","start":734.78503,"end":735.28503,"sentiment":"positive","sentiment_score":0.5319818258285522}],"sentiment":"positive","sentiment_score":0.5319818258285522,"channel":1,"num_words":1,"start":734.78503,"end":735.28503},{"sentences":[{"text":"The next page is the start of the recommendations.","start":735.55,"end":737.49,"sentiment":"neutral","sentiment_score":0.1651966447631518},{"text":"So to start with, I am recommending that we do move you out of Brighter Super and into a new Hub twenty four 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insurances in force until we are able to change the insurances, and I'll let you know a little bit below what we're doing with those as well.","start":786.215,"end":796.14,"sentiment":"neutral","sentiment_score":0.1666109169254432},{"text":"Okay?","start":796.14,"end":796.64,"sentiment":"neutral","sentiment_score":0.08793666213750839}],"sentiment":"neutral","sentiment_score":0.19584594575258402,"channel":0,"num_words":65,"start":777.32,"end":796.64},{"sentences":[{"text":"Okay.","start":796.79004,"end":797.29004,"sentiment":"neutral","sentiment_score":0.11373141407966614}],"sentiment":"neutral","sentiment_score":0.11373141407966614,"channel":1,"num_words":1,"start":796.79004,"end":797.29004},{"sentences":[{"text":"You'll see on each of these pages under the under the recommendation, we have a best interest duty statement.","start":798.3,"end":803.82,"sentiment":"neutral","sentiment_score":0.15612953705222984},{"text":"So this is essentially outlining how the how the recommendations are in yours of the best interest in line with your goals.","start":803.82,"end":810.53503,"sentiment":"neutral","sentiment_score":0.3228201893242923},{"text":"You'll see each and every one of those.","start":810.91504,"end":812.435,"sentiment":"neutral","sentiment_score":0.14557812828570604},{"text":"I'll let you have a bit of a read through those shortly, but it's about just making sure that things are working harder for you.","start":812.435,"end":817.895,"sentiment":"neutral","sentiment_score":0.09525645166635513},{"text":"If I can","start":818.11505,"end":818.67505,"sentiment":"neutral","sentiment_score":0.016689869885643322}],"sentiment":"neutral","sentiment_score":0.1774624843730942,"channel":0,"num_words":77,"start":798.3,"end":818.67505},{"sentences":[{"text":"Yeah.","start":818.59503,"end":819.09503,"sentiment":"neutral","sentiment_score":0.02148329466581345}],"sentiment":"neutral","sentiment_score":0.02148329466581345,"channel":1,"num_words":1,"start":818.59503,"end":819.09503},{"sentences":[{"text":"get you just to skip a few pages for me and sorta","start":818.67505,"end":821.79504,"sentiment":"neutral","sentiment_score":0.008718341899414858}],"sentiment":"neutral","sentiment_score":0.008718341899414858,"channel":0,"num_words":12,"start":818.67505,"end":821.79504},{"sentences":[{"text":"No worries.","start":821.45,"end":822.19,"sentiment":"neutral","sentiment_score":0.04493231698870659}],"sentiment":"neutral","sentiment_score":0.04493231698870659,"channel":1,"num_words":2,"start":821.45,"end":822.19},{"sentences":[{"text":"head on down to page number sorry.","start":821.79504,"end":824.93,"sentiment":"neutral","sentiment_score":0.03209466939525945},{"text":"Let me skip a little bit and pop down to page number 22.","start":825.31,"end":828.29,"sentiment":"neutral","sentiment_score":0.05951684168898142},{"text":"I can go through this recommendation in a bit more detail there for you and give you 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moving into hub twenty four, we're able to put you into a growth portfolio, which increases those growth investments, which is where you get a lot more of those returns moving forward from.","start":867.245,"end":876.865,"sentiment":"positive","sentiment_score":0.40364742023604255}],"sentiment":"neutral","sentiment_score":0.304898986282448,"channel":0,"num_words":72,"start":856.35004,"end":876.865},{"sentences":[{"text":"Yes.","start":877.52,"end":878.02,"sentiment":"neutral","sentiment_score":0.08836468309164047}],"sentiment":"neutral","sentiment_score":0.08836468309164047,"channel":1,"num_words":1,"start":877.52,"end":878.02},{"sentences":[{"text":"So with the recommended, as I mentioned, we are recommending that we move you out of Brighter Super and into hub into hub 24.","start":878.16003,"end":884.02,"sentiment":"neutral","sentiment_score":0.05779823660850525},{"text":"Essentially, what we can do is we can link these supers together and aggregate the fees behind the scenes to kind 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through the implementation of the adviser.","start":980.955,"end":988.73505,"sentiment":"neutral","sentiment_score":0.12753669845481072},{"text":"So it is 3.3%.","start":988.955,"end":990.92004,"sentiment":"neutral","sentiment_score":0.09795055724680424},{"text":"It is capped at a $150,000 balance.","start":990.92004,"end":993.82,"sentiment":"neutral","sentiment_score":0.08528194682938713}],"sentiment":"neutral","sentiment_score":0.14721295577392243,"channel":0,"num_words":57,"start":976.47504,"end":993.82},{"sentences":[{"text":"So the most you'd pay for that is 4,950.","start":994.2,"end":997.42004,"sentiment":"neutral","sentiment_score":0.13032809479369056},{"text":"The way the implementation technically works with this recommendation is that we start by rolling over a partial rollover.","start":997.64,"end":1003.625,"sentiment":"neutral","sentiment_score":0.1257643715331429},{"text":"We leave $10,000 behind in Brighter 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you and then start compounding and growing.","start":1026.26,"end":1032.895,"sentiment":"positive","sentiment_score":0.5545499416498038},{"text":"Okay?","start":1033.0349,"end":1033.5349,"sentiment":"neutral","sentiment_score":0.17781776189804077}],"sentiment":"positive","sentiment_score":0.45059247811635333,"channel":0,"num_words":51,"start":1018.82,"end":1033.5349},{"sentences":[{"text":"Yep.","start":1033.045,"end":1033.545,"sentiment":"neutral","sentiment_score":0.2683771252632141}],"sentiment":"neutral","sentiment_score":0.2683771252632141,"channel":1,"num_words":1,"start":1033.045,"end":1033.545},{"sentences":[{"text":"Perfect.","start":1034.7949,"end":1035.2949,"sentiment":"positive","sentiment_score":0.4541042745113373},{"text":"You also probably noted in there that the the cost of the insurance is is slightly lower as well.","start":1035.9149,"end":1042.255,"sentiment":"neutral","sentiment_score":0.16053622215986252},{"text":"Essentially, what I'm recommending with the insurance side of things is that we actually transfer your cover over.","start":1043.115,"end":1049.6799,"sentiment":"neutral","sentiment_score":0.10733835233582391},{"text":"So one of the big things we talked about last time was that you didn't really wanna be paying a lot for insurances.","start":1049.6799,"end":1055.5399,"sentiment":"neutral","sentiment_score":0.07463979629961692},{"text":"Your super is kind of the main aspect of this, and this is the main most important part of it.","start":1055.6799,"end":1061.145,"sentiment":"neutral","sentiment_score":0.2534257769584656}],"sentiment":"neutral","sentiment_score":0.15088411965005008,"channel":0,"num_words":81,"start":1034.7949,"end":1061.145},{"sentences":[{"text":"So we are recommending here that we just transfer your cover over.","start":1061.465,"end":1066.2051,"sentiment":"neutral","sentiment_score":0.13577756906549135},{"text":"We'll keep the same level of cup you have in rider super and transfer it over, and it essentially means that you're paying about half the price there for that cover.","start":1067.145,"end":1076.285,"sentiment":"neutral","sentiment_score":0.2668194141118757},{"text":"Okay.","start":1076.425,"end":1076.925,"sentiment":"neutral","sentiment_score":0.11120351403951644}],"sentiment":"neutral","sentiment_score":0.2275440040975809,"channel":0,"num_words":44,"start":1061.465,"end":1076.925},{"sentences":[{"text":"Yep.","start":1076.99,"end":1077.49,"sentiment":"neutral","sentiment_score":0.038700174540281296}],"sentiment":"neutral","sentiment_score":0.038700174540281296,"channel":1,"num_words":1,"start":1076.99,"end":1077.49},{"sentences":[{"text":"You'll keep the same level of life and TPD.","start":1077.68,"end":1079.76,"sentiment":"neutral","sentiment_score":0.3206410805384318},{"text":"We just transfer it straight to hub 24, and it essentially is the same cover but a less cost.","start":1079.76,"end":1085.86,"sentiment":"neutral","sentiment_score":0.19726568225182986},{"text":"One of the big things to sort of note is with your current cover in Brighter Super and the advantages and disadvantages, which are important to note as well, with your Brighter Super life and TBD, you're actually getting a little bit extra pay by your employer to cover the cost of that.","start":1086.24,"end":1101.045,"sentiment":"neutral","sentiment_score":0.039297857936823145},{"text":"So your life and TBD in Brighter Super is actual employer paid.","start":1101.045,"end":1104.905,"sentiment":"neutral","sentiment_score":0.11263479913274448},{"text":"They're paying that $306 per per per year for that, and that amount","start":1104.9651,"end":1109.91,"sentiment":"neutral","sentiment_score":0.06162428024869699}],"sentiment":"neutral","sentiment_score":0.10254091878404033,"channel":0,"num_words":106,"start":1077.68,"end":1109.91},{"sentences":[{"text":"Yeah.","start":1109.88,"end":1110.38,"sentiment":"neutral","sentiment_score":0.0915134772658348}],"sentiment":"neutral","sentiment_score":0.0915134772658348,"channel":1,"num_words":1,"start":1109.88,"end":1110.38},{"sentences":[{"text":"of money is added to your contributions.","start":1109.91,"end":1111.53,"sentiment":"neutral","sentiment_score":0.1299858902181898},{"text":"By transferring this over, whilst you are lowering the cost of the insurance premiums, it does mean that your insurance your employer will stop paying those premiums.","start":1112.0701,"end":1120.89,"sentiment":"neutral","sentiment_score":0.1906872500355045},{"text":"The cost of $1.50 will come out of your contributions.","start":1121.03,"end":1124.115,"sentiment":"neutral","sentiment_score":0.21827390491962434},{"text":"But when I weighed up the difference so I did actually go back and do the math and have a look at the difference there.","start":1125.295,"end":1130.035,"sentiment":"neutral","sentiment_score":0.1630798864364624},{"text":"By reducing the cost of the insurance premiums, even though your employer won't be paying those on your behalf anymore, you actually save a lot more money.","start":1130.655,"end":1138.6699,"sentiment":"positive","sentiment_score":0.4139366194053932}],"sentiment":"neutral","sentiment_score":0.24473418663061844,"channel":0,"num_words":96,"start":1109.91,"end":1138.6699},{"sentences":[{"text":"So the advantages outweigh the disadvantages of not transferring that over versus your employer covering the cost of the insurance.","start":1138.6699,"end":1146.19,"sentiment":"neutral","sentiment_score":0.09106803275644779},{"text":"Does that that make sense?","start":1146.19,"end":1147.4099,"sentiment":"neutral","sentiment_score":0.16662029325962066}],"sentiment":"neutral","sentiment_score":0.10617848485708237,"channel":0,"num_words":25,"start":1138.6699,"end":1147.4099},{"sentences":[{"text":"Okay.","start":1147.875,"end":1148.375,"sentiment":"neutral","sentiment_score":0.13380196690559387}],"sentiment":"neutral","sentiment_score":0.13380196690559387,"channel":1,"num_words":1,"start":1147.875,"end":1148.375},{"sentences":[{"text":"Yeah.","start":1149.005,"end":1149.505,"sentiment":"neutral","sentiment_score":0.14198370277881622},{"text":"Other than that so that's essentially the recommendation.","start":1150.6849,"end":1152.7849,"sentiment":"neutral","sentiment_score":0.14348514191806316},{"text":"They're rolling the money over, moving into the hub 24, investing in the estimate with that growth percentage there.","start":1152.845,"end":1160.46,"sentiment":"neutral","sentiment_score":0.1666348251072984},{"text":"If you go up just one page, you'll see the asset allocation sort of driven down as well.","start":1160.62,"end":1164.94,"sentiment":"neutral","sentiment_score":0.0898476309246487},{"text":"So within a growth portfolio, you generally see that eighty twenty split, the 80% growth investments and 20% defensive investments.","start":1164.94,"end":1172.32,"sentiment":"neutral","sentiment_score":0.11107535921037197}],"sentiment":"neutral","sentiment_score":0.1256771372123198,"channel":0,"num_words":66,"start":1149.005,"end":1172.32},{"sentences":[{"text":"With your existing","start":1172.745,"end":1173.705,"sentiment":"neutral","sentiment_score":0.07345291475454967}],"sentiment":"neutral","sentiment_score":0.07345291475454967,"channel":0,"num_words":3,"start":1172.745,"end":1173.705},{"sentences":[{"text":"Yeah.","start":1173.42,"end":1173.92,"sentiment":"neutral","sentiment_score":0.09658917784690856}],"sentiment":"neutral","sentiment_score":0.09658917784690856,"channel":1,"num_words":1,"start":1173.42,"end":1173.92},{"sentences":[{"text":"portfolio at the moment, you've got about 73% in growth investments and then about 27% in defensive investments.","start":1173.705,"end":1180.925,"sentiment":"neutral","sentiment_score":0.13842889873517883},{"text":"So with the SMA blend, we're essentially gonna have 79.6% in those growth investments.","start":1181.225,"end":1187.51,"sentiment":"neutral","sentiment_score":0.24863713553973607},{"text":"That's where you see majority of your returns.","start":1187.51,"end":1189.51,"sentiment":"positive","sentiment_score":0.3502640649676323},{"text":"You're thinking Australian equities, international equities, and alternative things like gold and silver in there as well, and then reducing the defensive component down to about 20.4%.","start":1189.51,"end":1200.5499,"sentiment":"neutral","sentiment_score":0.22512677960373736},{"text":"So defensive assets are lower tend to get lower rates of returns with things like fixed interest, cash, bonds, and things like that.","start":1200.5499,"end":1208.495,"sentiment":"neutral","sentiment_score":-0.014048978281409844}],"sentiment":"neutral","sentiment_score":0.1614449904817674,"channel":0,"num_words":90,"start":1173.705,"end":1208.495},{"sentences":[{"text":"So trying to get a bit more growth out of your portfolio, we do need to take a little bit more risk because they're moving up and taking having more of those growth investments is where we see that come from.","start":1208.555,"end":1217.72,"sentiment":"neutral","sentiment_score":-0.08749110197148673},{"text":"Okay?","start":1217.72,"end":1218.22,"sentiment":"neutral","sentiment_score":-0.0054789381101727486}],"sentiment":"neutral","sentiment_score":-0.08553843140336019,"channel":0,"num_words":42,"start":1208.555,"end":1218.22},{"sentences":[{"text":"Okay.","start":1218.3949,"end":1218.8949,"sentiment":"neutral","sentiment_score":0.00742489006370306},{"text":"Yep.","start":1219.195,"end":1219.695,"sentiment":"neutral","sentiment_score":0.02985532581806183}],"sentiment":"neutral","sentiment_score":0.018640107940882444,"channel":1,"num_words":2,"start":1218.3949,"end":1219.695},{"sentences":[{"text":"To see where your money would be invested, if you scroll up by one more page there for me,","start":1220.04,"end":1225.02,"sentiment":"neutral","sentiment_score":0.014332954428697886}],"sentiment":"neutral","sentiment_score":0.014332954428697886,"channel":0,"num_words":19,"start":1220.04,"end":1225.02},{"sentences":[{"text":"Yep.","start":1225.5299,"end":1226.0299,"sentiment":"neutral","sentiment_score":0.029954461380839348}],"sentiment":"neutral","sentiment_score":0.029954461380839348,"channel":1,"num_words":1,"start":1225.5299,"end":1226.0299},{"sentences":[{"text":"this is the investment break down.","start":1225.64,"end":1227.375,"sentiment":"neutral","sentiment_score":-0.0036159690159062543},{"text":"So at the moment, you've got your q super deferred benefit.","start":1227.375,"end":1230.515,"sentiment":"neutral","sentiment_score":-0.030328731306574562},{"text":"Now I am recommending that we do not touch that in any way, shape, or form.","start":1230.8151,"end":1234.495,"sentiment":"neutral","sentiment_score":-0.17870361916720867},{"text":"I had","start":1234.495,"end":1234.8151,"sentiment":"neutral","sentiment_score":0.2883210778236389}],"sentiment":"neutral","sentiment_score":-0.0753693602713091,"channel":0,"num_words":35,"start":1225.64,"end":1234.8151},{"sentences":[{"text":"Yep.","start":1234.8099,"end":1235.205,"sentiment":"neutral","sentiment_score":0.32630613446235657}],"sentiment":"neutral","sentiment_score":0.32630613446235657,"channel":1,"num_words":1,"start":1234.8099,"end":1235.205},{"sentences":[{"text":"a really good review of that.","start":1234.8151,"end":1236.255,"sentiment":"positive","sentiment_score":0.5490938524405161},{"text":"It is actually a great product.","start":1236.255,"end":1237.875,"sentiment":"positive","sentiment_score":0.7470387617746989},{"text":"So the one forty two six seven four ninety one stays exactly where it is in q super.","start":1238.415,"end":1241.5276,"sentiment":"positive","sentiment_score":0.34985969629552627},{"text":"We We can apply a a TPA onto it, so a third party authority onto your fund, and then we can sort of help to monitor that with you as well.","start":1241.5276,"end":1252.4,"sentiment":"neutral","sentiment_score":0.10780778791635268},{"text":"Okay?","start":1252.4,"end":1252.9,"sentiment":"neutral","sentiment_score":0.05062500387430191}],"sentiment":"neutral","sentiment_score":0.2817247846434193,"channel":0,"num_words":62,"start":1234.8151,"end":1252.9},{"sentences":[{"text":"Sure.","start":1252.9299,"end":1253.4299,"sentiment":"neutral","sentiment_score":0.06278965622186661},{"text":"Yeah.","start":1253.65,"end":1254.15,"sentiment":"neutral","sentiment_score":0.05712652951478958}],"sentiment":"neutral","sentiment_score":0.059958092868328094,"channel":1,"num_words":2,"start":1252.9299,"end":1254.15},{"sentences":[{"text":"With the Brighter Super, we would be selling most of it.","start":1254.3351,"end":1258.255,"sentiment":"neutral","sentiment_score":0.044310443103313446},{"text":"So you'd sell about all the so all of the funds.","start":1258.255,"end":1261.295,"sentiment":"neutral","sentiment_score":0.022678926079110664},{"text":"So $4.81 would start with leaving 10,000 behind, but at the end of the day, the whole thing would be sold down.","start":1261.295,"end":1266.48,"sentiment":"neutral","sentiment_score":-0.0390970033000816},{"text":"And then between the two different SMAs, we get this sort of blend here.","start":1266.72,"end":1270.48,"sentiment":"neutral","sentiment_score":0.022110745842967714},{"text":"So 60% in the blue, which is more of a growth fund, and then we've got sort of a 100 40% in the evergreen, which is more of a a balanced growth sort of option.","start":1270.48,"end":1279.605,"sentiment":"neutral","sentiment_score":0.06373641160981995}],"sentiment":"neutral","sentiment_score":0.02599004125322706,"channel":0,"num_words":93,"start":1254.3351,"end":1279.605},{"sentences":[{"text":"So we're doing a bit of a mix of blend between the two to make sure you have that $80.20 split keeping you invested in line.","start":1279.6849,"end":1286.105,"sentiment":"neutral","sentiment_score":0.13225341616914824},{"text":"The","start":1286.8049,"end":1287.0449,"sentiment":"neutral","sentiment_score":-0.04645545035600662}],"sentiment":"neutral","sentiment_score":0.12563456926080915,"channel":0,"num_words":27,"start":1279.6849,"end":1287.0449},{"sentences":[{"text":"Yep.","start":1286.8099,"end":1287.3099,"sentiment":"neutral","sentiment_score":-0.0843009203672409}],"sentiment":"neutral","sentiment_score":-0.0843009203672409,"channel":1,"num_words":1,"start":1286.8099,"end":1287.3099},{"sentences":[{"text":"downside to having these with the SMAs is that you can't see all the underlying investments.","start":1287.0449,"end":1291.445,"sentiment":"neutral","sentiment_score":-0.17719796765595675},{"text":"So you can see that you can only see the bloom versus the evergreen.","start":1291.445,"end":1294.4249,"sentiment":"neutral","sentiment_score":-0.13659909048250743},{"text":"It doesn't show","start":1294.6699,"end":1295.3099,"sentiment":"neutral","sentiment_score":-0.16048192977905273}],"sentiment":"neutral","sentiment_score":-0.15845456177538092,"channel":0,"num_words":33,"start":1287.0449,"end":1295.3099},{"sentences":[{"text":"Yep.","start":1295.305,"end":1295.805,"sentiment":"neutral","sentiment_score":-0.1264548897743225}],"sentiment":"neutral","sentiment_score":-0.1264548897743225,"channel":1,"num_words":1,"start":1295.305,"end":1295.805},{"sentences":[{"text":"you all the underlying investments that you have the investments in, and that is for a reason.","start":1295.3099,"end":1300.0299,"sentiment":"neutral","sentiment_score":-0.12414823998423184},{"text":"So we're sort of saying this is where your money is going, but we control the underlying investments there so we can buy and sell and make changes as we need to.","start":1300.0299,"end":1308.9299,"sentiment":"neutral","sentiment_score":-0.03352610324509442},{"text":"So with the markets","start":1309.005,"end":1309.885,"sentiment":"neutral","sentiment_score":0.027443671599030495}],"sentiment":"neutral","sentiment_score":-0.05799208862601586,"channel":0,"num_words":53,"start":1295.3099,"end":1309.885},{"sentences":[{"text":"Yep.","start":1309.68,"end":1310.18,"sentiment":"neutral","sentiment_score":0.019719377160072327}],"sentiment":"neutral","sentiment_score":0.019719377160072327,"channel":1,"num_words":1,"start":1309.68,"end":1310.18},{"sentences":[{"text":"at the moment, if we're looking at the investors and going, hey.","start":1309.885,"end":1312.685,"sentiment":"neutral","sentiment_score":0.012514552101492882},{"text":"This maybe needs to be removed out of there, then we can make that change quickly without having to call you and change an advice document and sort of, you know, take time out of your day.","start":1312.685,"end":1322.045,"sentiment":"neutral","sentiment_score":0.07220074358220036},{"text":"So the idea is that us plus the investment committee with BlackRock have a lot more control around the investments, what's happening in underlying.","start":1322.045,"end":1328.93,"sentiment":"neutral","sentiment_score":0.14719282618413368},{"text":"We can make changes quickly if need to.","start":1328.9901,"end":1331.3301,"sentiment":"neutral","sentiment_score":0.18499617464840412},{"text":"And","start":1331.7101,"end":1331.9501,"sentiment":"neutral","sentiment_score":0.08944135904312134}],"sentiment":"neutral","sentiment_score":0.0966297649074255,"channel":0,"num_words":82,"start":1309.885,"end":1331.9501},{"sentences":[{"text":"Nope.","start":1331.88,"end":1332.38,"sentiment":"neutral","sentiment_score":0.10944488644599916}],"sentiment":"neutral","sentiment_score":0.10944488644599916,"channel":1,"num_words":1,"start":1331.88,"end":1332.38},{"sentences":[{"text":"that way, we're not having to update advice too regularly with regards to investments.","start":1331.9501,"end":1336.2101,"sentiment":"neutral","sentiment_score":0.1267961747944355},{"text":"We can take advantage of different investment opportunities nice and easily.","start":1336.27,"end":1340.0751,"sentiment":"neutral","sentiment_score":0.2623828270218589},{"text":"But we can also send you change reports as well.","start":1340.4551,"end":1343.015,"sentiment":"neutral","sentiment_score":0.13365237936377525},{"text":"So every sort of quarter the investment committee meet, they talk about what's happening in the estimate, where the money is invested underlying.","start":1343.015,"end":1349.755,"sentiment":"neutral","sentiment_score":0.08048147173679393},{"text":"And if they make changes, change reports are moved or provided as 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in.","start":1367.4651,"end":1372.265,"sentiment":"neutral","sentiment_score":-0.1572143603116274}],"sentiment":"neutral","sentiment_score":0.25805004785458246,"channel":0,"num_words":60,"start":1354.5901,"end":1372.265},{"sentences":[{"text":"So it's kind of one","start":1372.265,"end":1373.4651,"sentiment":"neutral","sentiment_score":-0.01844993494451046}],"sentiment":"neutral","sentiment_score":-0.01844993494451046,"channel":0,"num_words":5,"start":1372.265,"end":1373.4651},{"sentences":[{"text":"Yeah.","start":1373.425,"end":1373.925,"sentiment":"neutral","sentiment_score":-0.004159725271165371}],"sentiment":"neutral","sentiment_score":-0.004159725271165371,"channel":1,"num_words":1,"start":1373.425,"end":1373.925},{"sentences":[{"text":"of those things.","start":1373.4651,"end":1374.605,"sentiment":"neutral","sentiment_score":0.0033388634522755942},{"text":"Does that make sense?","start":1374.745,"end":1375.545,"sentiment":"neutral","sentiment_score":0.029881055001169443},{"text":"Do you have any questions so far?","start":1375.545,"end":1377.405,"sentiment":"neutral","sentiment_score":0.02149434174810137}],"sentiment":"neutral","sentiment_score":0.020000085899872438,"channel":0,"num_words":14,"start":1373.4651,"end":1377.405},{"sentences":[{"text":"No.","start":1377.825,"end":1378.0651,"sentiment":"neutral","sentiment_score":-0.05410411208868027},{"text":"I'm all good.","start":1378.0651,"end":1378.965,"sentiment":"neutral","sentiment_score":-0.01909283424417178}],"sentiment":"neutral","sentiment_score":-0.0278456537052989,"channel":1,"num_words":4,"start":1377.825,"end":1378.965},{"sentences":[{"text":"Yeah.","start":1379.26,"end":1379.5801,"sentiment":"neutral","sentiment_score":0.12822073698043823},{"text":"Perfect.","start":1379.5801,"end":1380.0801,"sentiment":"neutral","sentiment_score":0.2331085205078125},{"text":"Oh, good.","start":1380.38,"end":1381.2001,"sentiment":"neutral","sentiment_score":0.13022523373365402},{"text":"Sorry.","start":1381.66,"end":1381.9,"sentiment":"neutral","sentiment_score":0.0028285998851060867},{"text":"I'm probably the happiest person ever to talk about sleep, but, so, like, you're welcome to stop","start":1381.9,"end":1386.14,"sentiment":"neutral","sentiment_score":0.00038552952601629147}],"sentiment":"neutral","sentiment_score":0.0286891966719519,"channel":0,"num_words":22,"start":1379.26,"end":1386.14},{"sentences":[{"text":"You're","start":1385.99,"end":1386.49,"sentiment":"neutral","sentiment_score":-0.06191748008131981}],"sentiment":"neutral","sentiment_score":-0.06191748008131981,"channel":1,"num_words":1,"start":1385.99,"end":1386.49},{"sentences":[{"text":"me at any point.","start":1386.14,"end":1387.2001,"sentiment":"neutral","sentiment_score":-0.0511192511767149},{"text":"I do it as of in this I also have all the advantages, disadvantages, and the risks involved.","start":1390.945,"end":1395.585,"sentiment":"neutral","sentiment_score":-0.029222692052523296},{"text":"I have gone through a few of them with you.","start":1395.585,"end":1397.9249,"sentiment":"neutral","sentiment_score":0.028193547762930392},{"text":"There is","start":1397.985,"end":1398.3849,"sentiment":"neutral","sentiment_score":0.26259827613830566}],"sentiment":"neutral","sentiment_score":0.0022543108309893045,"channel":0,"num_words":34,"start":1386.14,"end":1398.3849},{"sentences":[{"text":"good.","start":1398.23,"end":1398.55,"sentiment":"neutral","sentiment_score":0.28836172819137573}],"sentiment":"neutral","sentiment_score":0.28836172819137573,"channel":1,"num_words":1,"start":1398.23,"end":1398.55},{"sentences":[{"text":"a 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it.","start":1399.4249,"end":1406.52,"sentiment":"neutral","sentiment_score":0.24878597434829264},{"text":"Okay?","start":1406.52,"end":1407.02,"sentiment":"neutral","sentiment_score":0.11135903745889664}],"sentiment":"neutral","sentiment_score":0.2340737434202119,"channel":0,"num_words":38,"start":1398.705,"end":1407.02},{"sentences":[{"text":"Cool.","start":1407.055,"end":1407.555,"sentiment":"neutral","sentiment_score":0.21670641005039215},{"text":"No worries","start":1407.6951,"end":1408.3351,"sentiment":"neutral","sentiment_score":0.20680444687604904}],"sentiment":"neutral","sentiment_score":0.21010510126749674,"channel":1,"num_words":3,"start":1407.055,"end":1408.3351},{"sentences":[{"text":"Perfect.","start":1408.04,"end":1408.54,"sentiment":"neutral","sentiment_score":0.275304913520813}],"sentiment":"neutral","sentiment_score":0.275304913520813,"channel":0,"num_words":1,"start":1408.04,"end":1408.54},{"sentences":[{"text":"at all.","start":1408.3351,"end":1408.995,"sentiment":"neutral","sentiment_score":0.20720539242029193}],"sentiment":"neutral","sentiment_score":0.20720539242029193,"channel":1,"num_words":2,"start":1408.3351,"end":1408.995},{"sentences":[{"text":"The other thing on that, like, the comparison table there on page 22, you'll see your contribution difference there.","start":1410.12,"end":1415.8201,"sentiment":"neutral","sentiment_score":0.06643165942085416},{"text":"Now because your balance between the two funds is over 500,000, we weren't able to utilize any additional contributions of your cap space from previous years.","start":1416.04,"end":1425.9149,"sentiment":"neutral","sentiment_score":0.00670650819889628},{"text":"So we are very limited.","start":1425.975,"end":1427.255,"sentiment":"negative","sentiment_score":-0.4380727350711823},{"text":"Given your income is quite high, you're a very high income earner, we are very limited to making additional 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or $37 if you wanna round it up or down, Essentially, that over the next twelve years can provide a greater benefit.","start":1471.39,"end":1481.995,"sentiment":"positive","sentiment_score":0.3402142560482025},{"text":"It's more money invested for you.","start":1481.995,"end":1483.9349,"sentiment":"positive","sentiment_score":0.4959538032611211}],"sentiment":"positive","sentiment_score":0.3703573942184448,"channel":0,"num_words":31,"start":1471.39,"end":1483.9349},{"sentences":[{"text":"Yeah.","start":1483.75,"end":1484.25,"sentiment":"neutral","sentiment_score":0.3198404908180237}],"sentiment":"neutral","sentiment_score":0.3198404908180237,"channel":1,"num_words":1,"start":1483.75,"end":1484.25},{"sentences":[{"text":"It 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in now and having it invested tax of 15% rather than your marginal tax rate over the next twelve years has a greater compounding effect there.","start":1494.75,"end":1503.7101,"sentiment":"neutral","sentiment_score":0.21936061531305312},{"text":"Okay?","start":1503.7101,"end":1504.2101,"sentiment":"neutral","sentiment_score":0.1490965485572815}],"sentiment":"neutral","sentiment_score":0.2807957792511353,"channel":0,"num_words":65,"start":1484.395,"end":1504.2101},{"sentences":[{"text":"Yep.","start":1504.8899,"end":1505.3899,"sentiment":"neutral","sentiment_score":0.27770692110061646}],"sentiment":"neutral","sentiment_score":0.27770692110061646,"channel":1,"num_words":1,"start":1504.8899,"end":1505.3899},{"sentences":[{"text":"Perfect.","start":1506.045,"end":1506.545,"sentiment":"positive","sentiment_score":0.6170114278793335},{"text":"Perfect.","start":1506.765,"end":1507.265,"sentiment":"positive","sentiment_score":0.5340942740440369},{"text":"If you scroll down to the next page then, now one of the things we did kinda talk about was moving into the SMA blend and the difference in the five year rolling average debt.","start":1508.3651,"end":1516.4451,"sentiment":"neutral","sentiment_score":0.11690667676074164},{"text":"So you can sort of see a projection here.","start":1516.4451,"end":1518.285,"sentiment":"neutral","sentiment_score":0.08525544073846605},{"text":"So if over the next sort of five to ten years, the SMA works the way it has, and we've got that average rate of return on a regular on a yearly basis over the next five to ten years, you can sort of see where that puts you.","start":1518.285,"end":1529.71,"sentiment":"neutral","sentiment_score":0.25587136070339045}],"sentiment":"neutral","sentiment_score":0.19524036873328057,"channel":0,"num_words":95,"start":1506.045,"end":1529.71},{"sentences":[{"text":"I do and really am open.","start":1530.25,"end":1532.19,"sentiment":"neutral","sentiment_score":0.26623942454655963},{"text":"Projections are just 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years.","start":1566.5349,"end":1576.875,"sentiment":"neutral","sentiment_score":0.2549516564988075}],"sentiment":"neutral","sentiment_score":0.021521167846721246,"channel":0,"num_words":109,"start":1547.015,"end":1576.875},{"sentences":[{"text":"But we will do catch ups with you and see what's happening, how things are going for you.","start":1577.21,"end":1581.87,"sentiment":"positive","sentiment_score":0.5131692356533475},{"text":"I've got my lovely admin here who has a fantastic calendar, and we put every quarter who needs a catch up when.","start":1582.17,"end":1588.43,"sentiment":"positive","sentiment_score":0.6656937287612394},{"text":"And she makes sure to touch base and book everyone in with the catch up so we can determine what advice needs to be updated, when you need, you know, changes to your circumstances or if your income grows because I know your income's due to increase in the next few months there as well.","start":1588.73,"end":1603.145,"sentiment":"positive","sentiment_score":0.4817744905298406},{"text":"So we can always increase, change, and evolve this advice as your life changes as we work out towards your retirement goals over the next twelve years.","start":1603.145,"end":1611.95,"sentiment":"positive","sentiment_score":0.6393660604953766},{"text":"The","start":1612.41,"end":1612.57,"sentiment":"positive","sentiment_score":0.3583719730377197}],"sentiment":"positive","sentiment_score":0.5528549663419646,"channel":0,"num_words":123,"start":1577.21,"end":1612.57},{"sentences":[{"text":"Yep.","start":1612.4601,"end":1612.9601,"sentiment":"positive","sentiment_score":0.36165985465049744}],"sentiment":"positive","sentiment_score":0.36165985465049744,"channel":1,"num_words":1,"start":1612.4601,"end":1612.9601},{"sentences":[{"text":"other thing I do like to kinda point out is advice doesn't stop when you hit 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you.","start":1742.115,"end":1750.5199,"sentiment":"neutral","sentiment_score":0.10744669640229808}],"sentiment":"neutral","sentiment_score":0.11963383261380452,"channel":0,"num_words":28,"start":1740.9149,"end":1750.5199},{"sentences":[{"text":"Yep.","start":1751.36,"end":1751.86,"sentiment":"neutral","sentiment_score":0.052215322852134705}],"sentiment":"neutral","sentiment_score":0.052215322852134705,"channel":1,"num_words":1,"start":1751.36,"end":1751.86},{"sentences":[{"text":"The following page on page number 27, this outlines with regard to the q super defined benefits.","start":1751.86,"end":1758.44,"sentiment":"neutral","sentiment_score":0.04181025303242838},{"text":"I am recommending we keep that exactly as it is.","start":1758.5,"end":1761.255,"sentiment":"neutral","sentiment_score":0.278951196372509},{"text":"We'll keep 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no.","start":1766.375,"end":1769.115,"sentiment":"neutral","sentiment_score":0.05894486366638115},{"text":"Defined benefits are fantastic, and this is actually a deferred benefit.","start":1770.295,"end":1773.575,"sentiment":"positive","sentiment_score":0.42478382045572455}],"sentiment":"positive","sentiment_score":0.3980478427062432,"channel":0,"num_words":42,"start":1762.295,"end":1773.575},{"sentences":[{"text":"So your defined benefit has technically moved into what's called deferred benefit stage.","start":1773.575,"end":1778.49,"sentiment":"neutral","sentiment_score":0.09755570212235817},{"text":"The funds can stay in here until the age of 55, and they're actually not invested in the market.","start":1778.55,"end":1784.79,"sentiment":"neutral","sentiment_score":0.05463600531220436},{"text":"So they're not market linked in any way.","start":1784.79,"end":1786.87,"sentiment":"neutral","sentiment_score":0.03947857255116105},{"text":"Your end figure does not depend upon what the market","start":1787.1901,"end":1790.435,"sentiment":"neutral","sentiment_score":0.04760792683809996}],"sentiment":"neutral","sentiment_score":0.06196432154625654,"channel":0,"num_words":50,"start":1773.575,"end":1790.435},{"sentences":[{"text":"Yes.","start":1790.2849,"end":1790.7849,"sentiment":"neutral","sentiment_score":0.2104233354330063}],"sentiment":"neutral","sentiment_score":0.2104233354330063,"channel":1,"num_words":1,"start":1790.2849,"end":1790.7849},{"sentences":[{"text":"does, unlike the rest of your super, which is really cool.","start":1790.435,"end":1793.415,"sentiment":"positive","sentiment_score":0.46823565526442096},{"text":"It is essentially invested in the average wage option, which means that it is every year, it is indexed, sometimes by CPI, sometimes by a lesser amount.","start":1794.035,"end":1804.07,"sentiment":"neutral","sentiment_score":0.15185622070674543},{"text":"I did try to find out from q super, and I have tried to find out a few times what the indexation rate is.","start":1804.45,"end":1809.8099,"sentiment":"neutral","sentiment_score":0.018919561834384997},{"text":"They won't tell anyone, and it changes every year.","start":1809.8099,"end":1812.69,"sentiment":"neutral","sentiment_score":-0.07250346077813043},{"text":"So every time I have one, I call and I try.","start":1812.69,"end":1816.005,"sentiment":"neutral","sentiment_score":-0.0518273071131923}],"sentiment":"neutral","sentiment_score":0.10344083080204522,"channel":0,"num_words":82,"start":1790.435,"end":1816.005},{"sentences":[{"text":"It doesn't happen.","start":1816.005,"end":1816.985,"sentiment":"neutral","sentiment_score":-0.17063855876525244}],"sentiment":"neutral","sentiment_score":-0.17063855876525244,"channel":0,"num_words":3,"start":1816.005,"end":1816.985},{"sentences":[{"text":"Yeah.","start":1817.62,"end":1818.12,"sentiment":"neutral","sentiment_score":0.023299984633922577}],"sentiment":"neutral","sentiment_score":0.023299984633922577,"channel":1,"num_words":1,"start":1817.62,"end":1818.12},{"sentences":[{"text":"So, yeah, keeping everything in the in the defined benefit for the moment until the age of 55.","start":1818.565,"end":1824.8049,"sentiment":"neutral","sentiment_score":0.05058829714026716},{"text":"When you get closer to the age of 55, we can look at the difference in the time frame that they're gonna move it.","start":1824.8049,"end":1830.13,"sentiment":"neutral","sentiment_score":0.03794267137224475},{"text":"At 55, they give you the option of moving it to another fund, sometimes withdrawing some of the benefit or keeping it in queue through, then it moves into the accumulation phase in there.","start":1830.27,"end":1840.27,"sentiment":"neutral","sentiment_score":0.09716061425997931},{"text":"So at about age age 55, after it steadily increased over time along with the indexation figure, then we should be able to look at consolidating that into hub twenty four and having everything in one place there for you.","start":1840.27,"end":1853.395,"sentiment":"neutral","sentiment_score":0.18881319910287858},{"text":"Okay?","start":1853.395,"end":1853.895,"sentiment":"neutral","sentiment_score":0.08731071650981903}],"sentiment":"neutral","sentiment_score":0.10909840193951231,"channel":0,"num_words":117,"start":1818.565,"end":1853.895},{"sentences":[{"text":"Yes.","start":1854.0549,"end":1854.5549,"sentiment":"neutral","sentiment_score":0.23743802309036255}],"sentiment":"neutral","sentiment_score":0.23743802309036255,"channel":1,"num_words":1,"start":1854.0549,"end":1854.5549},{"sentences":[{"text":"Perfect.","start":1855.1699,"end":1855.6699,"sentiment":"positive","sentiment_score":0.5476418137550354},{"text":"The defined benefit amount they've given us at the moment is an estimate.","start":1857.1699,"end":1860.5499,"sentiment":"neutral","sentiment_score":0.20155546413018152},{"text":"It's really funny because they have this cool equation for essentially determining the current balance.","start":1861.01,"end":1866.3099,"sentiment":"neutral","sentiment_score":0.29324422975381215},{"text":"This should be increasing every year, so it should only get more and more from here.","start":1867.0751,"end":1871.5751,"sentiment":"neutral","sentiment_score":0.23283943603746593},{"text":"When we're looking at retirement, bigger because we can't determine the growth rate for the for the deferred benefit side of things, I haven't been able to account for that into the retirement projections.","start":1871.9551,"end":1880.8551,"sentiment":"neutral","sentiment_score":-0.02727980599464739}],"sentiment":"neutral","sentiment_score":0.13119549198146863,"channel":0,"num_words":79,"start":1855.1699,"end":1880.8551},{"sentences":[{"text":"But as we get closer and closer, this is only gonna provide a greater benefit to your retirement outcome.","start":1881.06,"end":1886.2001,"sentiment":"neutral","sentiment_score":0.24475422344709696},{"text":"Okay?","start":1886.3401,"end":1886.8401,"sentiment":"neutral","sentiment_score":0.08236563950777054}],"sentiment":"neutral","sentiment_score":0.23663479425013065,"channel":0,"num_words":20,"start":1881.06,"end":1886.8401},{"sentences":[{"text":"Yes.","start":1887.025,"end":1887.525,"sentiment":"neutral","sentiment_score":0.15311777591705322}],"sentiment":"neutral","sentiment_score":0.15311777591705322,"channel":1,"num_words":1,"start":1887.025,"end":1887.525},{"sentences":[{"text":"Perfect.","start":1888.18,"end":1888.66,"sentiment":"positive","sentiment_score":0.3659488558769226},{"text":"Do you have any questions so far at all?","start":1888.66,"end":1891.0,"sentiment":"neutral","sentiment_score":0.12602372301949394}],"sentiment":"neutral","sentiment_score":0.1500162363052368,"channel":0,"num_words":10,"start":1888.18,"end":1891.0},{"sentences":[{"text":"No.","start":1891.345,"end":1891.665,"sentiment":"neutral","sentiment_score":-0.08212974667549133},{"text":"I'm all good.","start":1891.665,"end":1892.4,"sentiment":"neutral","sentiment_score":-0.0380681740740935}],"sentiment":"neutral","sentiment_score":-0.04908356722444296,"channel":1,"num_words":4,"start":1891.345,"end":1892.4},{"sentences":[{"text":"No?","start":1892.42,"end":1892.92,"sentiment":"neutral","sentiment_score":0.00539020448923111},{"text":"Perfect.","start":1893.2201,"end":1893.7201,"sentiment":"neutral","sentiment_score":0.25099074840545654},{"text":"On the next couple of pages, I've outlined some good advantages, disadvantages against some risks involved and alternatives that I've also considered there for you to review.","start":1894.8351,"end":1903.0951,"sentiment":"neutral","sentiment_score":0.10104981451122849},{"text":"I'd like to make sure that these sections are really well detailed, so they do look quite large.","start":1903.395,"end":1907.475,"sentiment":"neutral","sentiment_score":0.14270752378635937},{"text":"There is a lot there.","start":1907.475,"end":1908.66,"sentiment":"neutral","sentiment_score":0.08964328914880752}],"sentiment":"neutral","sentiment_score":0.11541688112685314,"channel":0,"num_words":52,"start":1892.42,"end":1908.66},{"sentences":[{"text":"Please feel free to have a read through those in your time, and then let me know if there's any questions in relation to any of them.","start":1908.98,"end":1914.8201,"sentiment":"neutral","sentiment_score":0.10672757001938643},{"text":"Okay?","start":1914.8201,"end":1915.3201,"sentiment":"neutral","sentiment_score":0.06167099624872208}],"sentiment":"neutral","sentiment_score":0.10511840667043414,"channel":0,"num_words":28,"start":1908.98,"end":1915.3201},{"sentences":[{"text":"Oh, I'll probably print it out and read it and see if I got","start":1915.6951,"end":1919.4551,"sentiment":"neutral","sentiment_score":0.06383625923522881}],"sentiment":"neutral","sentiment_score":0.06383625923522881,"channel":1,"num_words":14,"start":1915.6951,"end":1919.4551},{"sentences":[{"text":"All","start":1919.3,"end":1919.54,"sentiment":"neutral","sentiment_score":0.08654846996068954}],"sentiment":"neutral","sentiment_score":0.08654846996068954,"channel":0,"num_words":1,"start":1919.3,"end":1919.54},{"sentences":[{"text":"any","start":1919.4551,"end":1919.6951,"sentiment":"neutral","sentiment_score":0.1099504604935646}],"sentiment":"neutral","sentiment_score":0.1099504604935646,"channel":1,"num_words":1,"start":1919.4551,"end":1919.6951},{"sentences":[{"text":"good.","start":1919.54,"end":1920.04,"sentiment":"neutral","sentiment_score":0.12066192924976347}],"sentiment":"neutral","sentiment_score":0.12066192924976347,"channel":0,"num_words":1,"start":1919.54,"end":1920.04},{"sentences":[{"text":"questions.","start":1919.6951,"end":1920.1951,"sentiment":"neutral","sentiment_score":0.05991822108626366}],"sentiment":"neutral","sentiment_score":0.05991822108626366,"channel":1,"num_words":1,"start":1919.6951,"end":1920.1951},{"sentences":[{"text":"All good.","start":1920.74,"end":1921.64,"sentiment":"neutral","sentiment_score":0.23625703901052475},{"text":"The next one here is the retirement calculation.","start":1922.455,"end":1924.855,"sentiment":"neutral","sentiment_score":0.06716155260801315},{"text":"So this, as I kinda mentioned, is based on a limited scope.","start":1924.855,"end":1928.695,"sentiment":"neutral","sentiment_score":0.03387099333728353},{"text":"So based on the current projections, based on the current recommendations where we kinda see in the next twelve years this projected outcome to be.","start":1928.695,"end":1935.96,"sentiment":"neutral","sentiment_score":0.04167830340564251},{"text":"As I kinda mentioned, projections are those projections.","start":1936.2,"end":1938.52,"sentiment":"neutral","sentiment_score":0.06603841297328472}],"sentiment":"neutral","sentiment_score":0.054300423779270864,"channel":0,"num_words":55,"start":1920.74,"end":1938.52},{"sentences":[{"text":"They can always change depending on your lifestyle factors, your income, when you decide to retire.","start":1938.52,"end":1944.46,"sentiment":"neutral","sentiment_score":0.08696113363839686},{"text":"It also depends on market returns and things like that as well, so we wanna keep checking on track.","start":1944.84,"end":1949.475,"sentiment":"neutral","sentiment_score":0.0967493778780887},{"text":"But based on the current outcome there, with you drawing $3,036,000 dollars per annum out, we can actually project that you are are able to hit that target currently, basically, up until the age of about 99.","start":1949.635,"end":1963.29,"sentiment":"neutral","sentiment_score":0.29079066418312693},{"text":"So this is putting you on track to be able to meet your goals and draw enough out of super for you to live on permanently, which is fantastic.","start":1963.37,"end":1970.99,"sentiment":"positive","sentiment_score":0.5712397972057606},{"text":"It's actually","start":1971.77,"end":1972.3301,"sentiment":"positive","sentiment_score":0.46699050068855286}],"sentiment":"neutral","sentiment_score":0.3057165632331834,"channel":0,"num_words":103,"start":1938.52,"end":1972.3301},{"sentences":[{"text":"Sure.","start":1972.135,"end":1972.635,"sentiment":"positive","sentiment_score":0.45955324172973633}],"sentiment":"positive","sentiment_score":0.45955324172973633,"channel":1,"num_words":1,"start":1972.135,"end":1972.635},{"sentences":[{"text":"projected about $612 more than your target income and still giving you longevity out of super.","start":1972.3301,"end":1979.405,"sentiment":"positive","sentiment_score":0.48134242184460163},{"text":"So it is a great strategy.","start":1979.405,"end":1981.7251,"sentiment":"positive","sentiment_score":0.6521706382433573},{"text":"It is sort of showing you that you can meet your goal.","start":1981.7251,"end":1983.9651,"sentiment":"positive","sentiment_score":0.6386800557374954},{"text":"You're on track to do so.","start":1983.9651,"end":1985.3251,"sentiment":"positive","sentiment_score":0.5456530551115671},{"text":"For the moment, we just need to keep reviewing things because twelve years is a long time away.","start":1985.3251,"end":1989.405,"sentiment":"neutral","sentiment_score":-0.17463115064634216}],"sentiment":"positive","sentiment_score":0.33464173908377515,"channel":0,"num_words":58,"start":1972.3301,"end":1989.405},{"sentences":[{"text":"A lot of things can happen in that time frame, and we just wanna keep reviewing things moving forward for you as well.","start":1989.405,"end":1995.01,"sentiment":"neutral","sentiment_score":0.17892391688149908},{"text":"Okay?","start":1995.01,"end":1995.51,"sentiment":"neutral","sentiment_score":0.17173446714878082},{"text":"Perfect.","start":1997.49,"end":1997.99,"sentiment":"positive","sentiment_score":0.5969273447990417},{"text":"The next sorry.","start":1999.1699,"end":2000.71,"sentiment":"neutral","sentiment_score":0.07435076062877972},{"text":"The next strategy, if you scroll down, is the insurance strategy.","start":2001.41,"end":2004.87,"sentiment":"neutral","sentiment_score":0.01742456836456602}],"sentiment":"neutral","sentiment_score":0.13586242138766325,"channel":0,"num_words":39,"start":1989.405,"end":2004.87},{"sentences":[{"text":"Yep.","start":2005.6901,"end":2006.1901,"sentiment":"neutral","sentiment_score":0.1679501235485077}],"sentiment":"neutral","sentiment_score":0.1679501235485077,"channel":1,"num_words":1,"start":2005.6901,"end":2006.1901},{"sentences":[{"text":"Perfect.","start":2007.595,"end":2007.995,"sentiment":"positive","sentiment_score":0.47849857807159424},{"text":"So as I mentioned, you've got your life and TBD inside your Brighter Super at the moment.","start":2007.995,"end":2013.935,"sentiment":"neutral","sentiment_score":0.23289751918876872},{"text":"Essentially, what we wanna do is retain the life and TBD amount.","start":2015.1951,"end":2018.235,"sentiment":"neutral","sentiment_score":0.17721054330468178},{"text":"It still gives you a 106,000 of life and TPD in the event that something happens, and then roll that over so it's held by hub twenty four.","start":2018.235,"end":2026.36,"sentiment":"neutral","sentiment_score":0.23393962958029338},{"text":"It essentially reduces the premium.","start":2026.42,"end":2028.36,"sentiment":"neutral","sentiment_score":0.32520917654037473}],"sentiment":"neutral","sentiment_score":0.23397838785534814,"channel":0,"num_words":63,"start":2007.595,"end":2028.36},{"sentences":[{"text":"So you save about a $156 per year on the total premium, but still get get to keep the same level of cover if anything happens.","start":2028.98,"end":2036.945,"sentiment":"positive","sentiment_score":0.3785359893853848},{"text":"The monthly with the way that these are the covers are transferred and the way they are paid is that you would actually pay this on a monthly basis.","start":2037.4049,"end":2044.365,"sentiment":"neutral","sentiment_score":0.15547678259939984},{"text":"So $12.53 is deducted out of your super fund each month, but it'll equate to about a 150 over the course of the year there.","start":2044.365,"end":2051.82,"sentiment":"neutral","sentiment_score":0.16495033204555512},{"text":"But it essentially allows you to keep the life and TPD for as long as you need it until it expires.","start":2052.12,"end":2057.02,"sentiment":"neutral","sentiment_score":0.21978005944263368},{"text":"These things tend to expire at around about $8.65 depending on the policy.","start":2057.08,"end":2061.915,"sentiment":"neutral","sentiment_score":0.028369452034194883}],"sentiment":"neutral","sentiment_score":0.2057781126779063,"channel":0,"num_words":114,"start":2028.98,"end":2061.915},{"sentences":[{"text":"Just because by the time of 60, we're retiring, we actually don't really normally need any life or TPD anymore.","start":2062.295,"end":2067.755,"sentiment":"neutral","sentiment_score":-0.03997101951390505},{"text":"But having it for the next twelve years is still really important.","start":2068.295,"end":2071.095,"sentiment":"neutral","sentiment_score":0.03424098466833433},{"text":"You do still have debts.","start":2071.095,"end":2072.2148,"sentiment":"neutral","sentiment_score":-0.038838689029216764},{"text":"You still have a life to cover in a family, and it's really important to have that sort of backup for the time being.","start":2072.2148,"end":2077.64,"sentiment":"neutral","sentiment_score":0.07034577103331685},{"text":"So keeping","start":2077.64,"end":2078.52,"sentiment":"neutral","sentiment_score":0.0825369581580162}],"sentiment":"neutral","sentiment_score":0.02016905399542006,"channel":0,"num_words":63,"start":2062.295,"end":2078.52},{"sentences":[{"text":"Yeah.","start":2078.425,"end":2078.925,"sentiment":"neutral","sentiment_score":0.19884683191776276}],"sentiment":"neutral","sentiment_score":0.19884683191776276,"channel":1,"num_words":1,"start":2078.425,"end":2078.925},{"sentences":[{"text":"the cover, transferring it over allows you to retain it.","start":2078.52,"end":2080.84,"sentiment":"positive","sentiment_score":0.3487543374300003},{"text":"There's no underwriting process to go through, which is fantastic.","start":2080.84,"end":2083.74,"sentiment":"positive","sentiment_score":0.5673674315214157},{"text":"It's a straight retention.","start":2084.2,"end":2085.34,"sentiment":"positive","sentiment_score":0.7039105296134949},{"text":"It's a good level of 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on the deferred benefit within q super as well.","start":2110.08,"end":2116.0,"sentiment":"neutral","sentiment_score":0.18819580879062414},{"text":"So all of that can be released in the instance of TPD, which is a benefit.","start":2116.0,"end":2119.945,"sentiment":"neutral","sentiment_score":0.2726734010502696},{"text":"And so now having a look at your circumstances and your life, having that life in TPD is still really important as a bit of a backup security for 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there.","start":2131.7,"end":2136.76,"sentiment":"neutral","sentiment_score":-0.02465335323530085},{"text":"One sort of thing I do like to point out is on page number 35, we do have the projection table again, but it table again, but it also shows you a comparison that if you were not to pay any insurances inside super.","start":2137.14,"end":2148.165,"sentiment":"neutral","sentiment_score":0.032579455016688866},{"text":"So we do know that paying with insurances inside super, because your premiums are coming out of your super fund, there is an impact on your super.","start":2148.165,"end":2155.625,"sentiment":"neutral","sentiment_score":-0.026774547166294523},{"text":"But with the insurance premiums that we you are paying now versus the recommended, there's a very minimal impact.","start":2155.82,"end":2161.28,"sentiment":"neutral","sentiment_score":0.036627618890059624}],"sentiment":"neutral","sentiment_score":0.012035433823863665,"channel":0,"num_words":108,"start":2129.86,"end":2161.28},{"sentences":[{"text":"However, if you were not to pay any insurances at a super with the hub 24 the way it is projected above, you can actually see and project where you could end up over the next five to ten years.","start":2161.74,"end":2173.595,"sentiment":"neutral","sentiment_score":0.13215755708515645},{"text":"Okay.","start":2174.135,"end":2174.635,"sentiment":"neutral","sentiment_score":0.07622255384922028}],"sentiment":"neutral","sentiment_score":0.13079328871354823,"channel":0,"num_words":41,"start":2161.74,"end":2174.635},{"sentences":[{"text":"Yep.","start":2174.38,"end":2174.88,"sentiment":"neutral","sentiment_score":0.11854701489210127}],"sentiment":"neutral","sentiment_score":0.11854701489210127,"channel":1,"num_words":1,"start":2174.38,"end":2174.88},{"sentences":[{"text":"Perfect.","start":2175.495,"end":2175.995,"sentiment":"neutral","sentiment_score":0.28133735060691833},{"text":"It's not a huge difference.","start":2176.375,"end":2177.655,"sentiment":"neutral","sentiment_score":0.14574024230241775},{"text":"It goes from, like, $1300000.0.01 5 to $1300000.0.01 7.","start":2177.655,"end":2182.0552,"sentiment":"neutral","sentiment_score":0.07502711812655131},{"text":"So it's not a massive difference or a huge impact there, but it does have an impact.","start":2182.0552,"end":2187.23,"sentiment":"neutral","sentiment_score":0.04851458966732025},{"text":"And and we just wanna make sure that we're, you know, making you aware of that and being open and honest with everything that we do disclose.","start":2187.23,"end":2193.57,"sentiment":"neutral","sentiment_score":0.15755954881509146}],"sentiment":"neutral","sentiment_score":0.11464641470525225,"channel":0,"num_words":59,"start":2175.495,"end":2193.57},{"sentences":[{"text":"Perfect.","start":2195.47,"end":2195.97,"sentiment":"neutral","sentiment_score":0.24734671413898468},{"text":"We've got the advantages, the disadvantages, and the risks involved on the next few pages there for you and any alternatives that we have also considered.","start":2196.59,"end":2204.175,"sentiment":"neutral","sentiment_score":0.018985582658877738}],"sentiment":"neutral","sentiment_score":0.027443402343326144,"channel":0,"num_words":27,"start":2195.47,"end":2204.175},{"sentences":[{"text":"Yep.","start":2205.04,"end":2205.54,"sentiment":"neutral","sentiment_score":0.07834196835756302}],"sentiment":"neutral","sentiment_score":0.07834196835756302,"channel":1,"num_words":1,"start":2205.04,"end":2205.54},{"sentences":[{"text":"The following page on page number 38 outlines your employer paid income protection policy, which I","start":2205.355,"end":2211.915,"sentiment":"neutral","sentiment_score":0.16047506546601653}],"sentiment":"neutral","sentiment_score":0.16047506546601653,"channel":0,"num_words":16,"start":2205.355,"end":2211.915},{"sentences":[{"text":"Yep.","start":2211.825,"end":2212.325,"sentiment":"positive","sentiment_score":0.365720272064209}],"sentiment":"positive","sentiment_score":0.365720272064209,"channel":1,"num_words":1,"start":2211.825,"end":2212.325},{"sentences":[{"text":"love your that policy.","start":2211.915,"end":2213.195,"sentiment":"positive","sentiment_score":0.5927331149578094},{"text":"I think it is fantastic.","start":2213.195,"end":2214.415,"sentiment":"positive","sentiment_score":0.7337807059288025},{"text":"You can't get another income protecting policy like this anywhere that I have seen.","start":2215.22,"end":2219.14,"sentiment":"positive","sentiment_score":0.3970162272453308},{"text":"I think it's fantastic.","start":2219.14,"end":2220.2,"sentiment":"positive","sentiment_score":0.7177337855100632},{"text":"I am recommending, as we discussed, that you do retain that policy.","start":2221.7798,"end":2225.14,"sentiment":"positive","sentiment_score":0.42239396274089813}],"sentiment":"positive","sentiment_score":0.5009673298933567,"channel":0,"num_words":39,"start":2211.915,"end":2225.14},{"sentences":[{"text":"It is a really good policy, but, essentially, has a forty five day waiting.","start":2225.14,"end":2229.5598,"sentiment":"positive","sentiment_score":0.4792793850813593},{"text":"Essentially, it also covers a 100% of income for the first thirteen weeks and reduces to 85% for the remaining ninety one weeks.","start":2230.065,"end":2237.825,"sentiment":"neutral","sentiment_score":0.22885945957639944},{"text":"You can be on this benefit for a maximum of a hundred and four weeks.","start":2237.825,"end":2241.605,"sentiment":"neutral","sentiment_score":0.2176275372505188},{"text":"If you're over 70, 75 years of age, it reduces to 52.","start":2241.9849,"end":2246.56,"sentiment":"neutral","sentiment_score":0.07798030724128087},{"text":"Anyone over the age of 75, it goes to definitely longer as well.","start":2246.94,"end":2250.46,"sentiment":"neutral","sentiment_score":0.14149340643332556}],"sentiment":"neutral","sentiment_score":0.23393857130756626,"channel":0,"num_words":77,"start":2225.14,"end":2250.46},{"sentences":[{"text":"So this is a really cool policy because there is not with income protection benefits now, you can't be covered for more than 70% of your income.","start":2250.46,"end":2258.24,"sentiment":"positive","sentiment_score":0.4677554170290629},{"text":"So this pays a much higher benefit.","start":2258.705,"end":2262.165,"sentiment":"positive","sentiment_score":0.4963606127670833},{"text":"Admittedly,","start":2262.625,"end":2263.105,"sentiment":"neutral","sentiment_score":0.22103086113929749}],"sentiment":"positive","sentiment_score":0.4664271831512451,"channel":0,"num_words":35,"start":2250.46,"end":2263.105},{"sentences":[{"text":"Okay.","start":2262.8398,"end":2263.3398,"sentiment":"neutral","sentiment_score":0.3048417568206787}],"sentiment":"neutral","sentiment_score":0.3048417568206787,"channel":1,"num_words":1,"start":2262.8398,"end":2263.3398},{"sentences":[{"text":"it's a shorter benefit period, but it pays a really good higher benefit.","start":2263.105,"end":2267.205,"sentiment":"positive","sentiment_score":0.44532980827184826},{"text":"You can also use it as a top up if you're on, like, workers' compensation or something and needing to claim as a top up.","start":2268.065,"end":2274.6,"sentiment":"positive","sentiment_score":0.35105440497398377},{"text":"It also has some cool features as well.","start":2275.56,"end":2277.56,"sentiment":"positive","sentiment_score":0.470132727175951},{"text":"So the funeral benefit of up to 5,000, which can be paid out.","start":2277.56,"end":2280.76,"sentiment":"neutral","sentiment_score":0.3159764844637651},{"text":"So if you were to pass away, there's a extra funeral benefit, which can be paid out nice and quickly.","start":2280.76,"end":2286.2202,"sentiment":"positive","sentiment_score":0.41153731420636175}],"sentiment":"positive","sentiment_score":0.38816645609427103,"channel":0,"num_words":79,"start":2263.105,"end":2286.2202},{"sentences":[{"text":"It has a zero day waiting period for serious some serious medical conditions, and in the PDF document, it outlines what those are.","start":2286.76,"end":2294.535,"sentiment":"neutral","sentiment_score":0.199466352229533},{"text":"It also has a workers' compensation top up.","start":2295.4749,"end":2297.795,"sentiment":"neutral","sentiment_score":0.1954018846154213},{"text":"So as I mentioned, if you're on workers' compensation, which normally only covers around about 80% of someone's wage, if they're on, you know, a full workers' compensation.","start":2297.795,"end":2306.4602,"sentiment":"neutral","sentiment_score":0.19083578857992375},{"text":"You can then top it up with this policy to cover a 100% of your income, which is pretty cool.","start":2307.0,"end":2312.3,"sentiment":"positive","sentiment_score":0.42769334465265274}],"sentiment":"neutral","sentiment_score":0.25377481204422214,"channel":0,"num_words":79,"start":2286.76,"end":2312.3},{"sentences":[{"text":"Yeah.","start":2312.99,"end":2313.49,"sentiment":"neutral","sentiment_score":0.1691795289516449}],"sentiment":"neutral","sentiment_score":0.1691795289516449,"channel":1,"num_words":1,"start":2312.99,"end":2313.49},{"sentences":[{"text":"And then it's also got the financial planning benefit as well.","start":2313.8801,"end":2316.76,"sentiment":"neutral","sentiment_score":0.21213189173828473},{"text":"So if you're on a claim for more than six months and you can seek financial planning, and they cover the cost of that up to a certain amount.","start":2316.76,"end":2325.7148,"sentiment":"neutral","sentiment_score":0.16187849640846252},{"text":"So that is, again, nice and cool, but we certainly hope you're not on an income protection claim for that long.","start":2325.775,"end":2331.615,"sentiment":"neutral","sentiment_score":0.19962685626177562},{"text":"But it is a really great policy, And the biggest benefit is that it's not paid by you in any way, shape, or form.","start":2331.615,"end":2337.74,"sentiment":"positive","sentiment_score":0.3547310760865609},{"text":"So the best insurance is the one that covers you,","start":2337.7998,"end":2340.92,"sentiment":"neutral","sentiment_score":0.23684428483247758}],"sentiment":"neutral","sentiment_score":0.23265347221964283,"channel":0,"num_words":95,"start":2313.8801,"end":2340.92},{"sentences":[{"text":"Yeah.","start":2340.74,"end":2341.24,"sentiment":"neutral","sentiment_score":0.18268483877182007}],"sentiment":"neutral","sentiment_score":0.18268483877182007,"channel":1,"num_words":1,"start":2340.74,"end":2341.24},{"sentences":[{"text":"but you don't have to pay for it.","start":2340.92,"end":2342.5398,"sentiment":"neutral","sentiment_score":0.16291169449687004},{"text":"Yeah.","start":2344.44,"end":2344.94,"sentiment":"neutral","sentiment_score":0.08252381533384323},{"text":"I've got another best interest, Eddie.","start":2345.72,"end":2347.48,"sentiment":"neutral","sentiment_score":0.17435170089205107},{"text":"It is your best interest to keep because a, it is an employer paid policy.","start":2347.48,"end":2351.085,"sentiment":"positive","sentiment_score":0.35387453238169353},{"text":"The benefit is higher than any income protection benefit out there.","start":2351.085,"end":2354.705,"sentiment":"positive","sentiment_score":0.5295141962441531}],"sentiment":"neutral","sentiment_score":0.3308463834407853,"channel":0,"num_words":41,"start":2340.92,"end":2354.705},{"sentences":[{"text":"It essentially gives you that level of cover without you having to cover the cost of it, and retaining it is just it's just the way it yeah.","start":2355.325,"end":2363.46,"sentiment":"positive","sentiment_score":0.4225270716207368},{"text":"It's nothing else I can say, really.","start":2363.46,"end":2365.3801,"sentiment":"neutral","sentiment_score":0.1341355059828077},{"text":"It's just why would you give that up?","start":2365.3801,"end":2367.1401,"sentiment":"neutral","sentiment_score":0.06214572861790657},{"text":"It's just fantastic, honestly.","start":2367.1401,"end":2368.6,"sentiment":"positive","sentiment_score":0.5527964606881142},{"text":"I was","start":2369.1401,"end":2369.46,"sentiment":"neutral","sentiment_score":0.19002939760684967}],"sentiment":"neutral","sentiment_score":0.32363504110550395,"channel":0,"num_words":49,"start":2355.325,"end":2369.46},{"sentences":[{"text":"Yeah.","start":2369.4001,"end":2369.9001,"sentiment":"neutral","sentiment_score":0.09564200043678284}],"sentiment":"neutral","sentiment_score":0.09564200043678284,"channel":1,"num_words":1,"start":2369.4001,"end":2369.9001},{"sentences":[{"text":"a little bit jealous.","start":2369.46,"end":2370.18,"sentiment":"neutral","sentiment_score":-0.15509233996272087},{"text":"I was like, woah.","start":2370.18,"end":2370.82,"sentiment":"neutral","sentiment_score":-0.16321279108524323},{"text":"I didn't even have those benefits.","start":2370.82,"end":2372.36,"sentiment":"neutral","sentiment_score":-0.12002488225698471},{"text":"I do have the advantages, disadvantages, and the risks involved below because with every decision we make, with every product, there are advantages as well as disadvantages to take into consideration.","start":2375.275,"end":2384.815,"sentiment":"neutral","sentiment_score":-0.05946637125265214},{"text":"So I","start":2385.275,"end":2385.835,"sentiment":"neutral","sentiment_score":0.05962965451180935}],"sentiment":"neutral","sentiment_score":-0.07909719186260346,"channel":0,"num_words":47,"start":2369.46,"end":2385.835},{"sentences":[{"text":"Yeah.","start":2385.8152,"end":2386.3152,"sentiment":"neutral","sentiment_score":0.16483643651008606}],"sentiment":"neutral","sentiment_score":0.16483643651008606,"channel":1,"num_words":1,"start":2385.8152,"end":2386.3152},{"sentences":[{"text":"have outlined those for you so you can have a good review of each of them as","start":2385.835,"end":2389.5,"sentiment":"neutral","sentiment_score":0.27640700515578775}],"sentiment":"neutral","sentiment_score":0.27640700515578775,"channel":0,"num_words":17,"start":2385.835,"end":2389.5},{"sentences":[{"text":"Cool.","start":2391.415,"end":2391.915,"sentiment":"neutral","sentiment_score":0.2776290774345398}],"sentiment":"neutral","sentiment_score":0.2776290774345398,"channel":1,"num_words":1,"start":2391.415,"end":2391.915},{"sentences":[{"text":"well.","start":2391.98,"end":2392.14,"sentiment":"neutral","sentiment_score":0.1900155246257782},{"text":"Okay?","start":2392.14,"end":2392.46,"sentiment":"neutral","sentiment_score":0.22285473346710205},{"text":"Perfect.","start":2392.46,"end":2392.96,"sentiment":"positive","sentiment_score":0.451643705368042},{"text":"The last sort of recommendation here is about the estate planning side of things.","start":2393.66,"end":2397.1,"sentiment":"neutral","sentiment_score":0.09349693065243107},{"text":"So because we are looking at moving you out of Brighter Super and into Hub 24, we do need to make sure your beneficiaries are done.","start":2397.1,"end":2404.14,"sentiment":"neutral","sentiment_score":0.10317823863946475}],"sentiment":"neutral","sentiment_score":0.11293267900514048,"channel":0,"num_words":43,"start":2391.98,"end":2404.14},{"sentences":[{"text":"So I will recommend that we do a binding, non lapsing beneficiary nomination.","start":2404.14,"end":2408.575,"sentiment":"neutral","sentiment_score":0.15364381499015367},{"text":"Essentially, that basically means that the trustee is bound to follow the directions so long as the nomination is valid.","start":2409.275,"end":2415.055,"sentiment":"neutral","sentiment_score":0.16878353282809258},{"text":"And non lapsing means you only have to fill out one beneficiary form, and you don't have to fill it out again until you wanna revoke or change that nomination.","start":2415.195,"end":2423.2,"sentiment":"neutral","sentiment_score":0.13154823953906694},{"text":"And as per your wishes, we'll make sure Scott is nominated as the beneficiary in the event that you pass away.","start":2423.9,"end":2429.28,"sentiment":"neutral","sentiment_score":0.15536624122233617}],"sentiment":"neutral","sentiment_score":0.1497878393247014,"channel":0,"num_words":84,"start":2404.14,"end":2429.28},{"sentences":[{"text":"Yeah.","start":2429.76,"end":2430.26,"sentiment":"neutral","sentiment_score":0.10354670882225037}],"sentiment":"neutral","sentiment_score":0.10354670882225037,"channel":1,"num_words":1,"start":2429.76,"end":2430.26},{"sentences":[{"text":"With the deferred benefit side of things, I did a really good deep dive into q super and the deferred benefit there.","start":2430.62,"end":2435.875,"sentiment":"neutral","sentiment_score":0.16018822958523576},{"text":"They do allow for a beneficiary nomination to be provided, and they do, according to the documents, allow a binding non lapsing nomination as well.","start":2435.875,"end":2443.7952,"sentiment":"neutral","sentiment_score":0.16037769258022308},{"text":"So we'll make sure that that is applied and sent to them.","start":2443.7952,"end":2446.5352,"sentiment":"neutral","sentiment_score":0.18138480062286058},{"text":"That way, it can also be, added to the account.","start":2446.675,"end":2449.3352,"sentiment":"neutral","sentiment_score":0.18267063796520233},{"text":"With QSuper, one of the things I did say before is we wanna try and add a TPA on there.","start":2449.58,"end":2453.58,"sentiment":"neutral","sentiment_score":0.06530171018093825}],"sentiment":"neutral","sentiment_score":0.14430271411377393,"channel":0,"num_words":89,"start":2430.62,"end":2453.58},{"sentences":[{"text":"QSuper have been a little bit hard with us with TPAs, and I just forget this.","start":2453.58,"end":2456.86,"sentiment":"neutral","sentiment_score":-0.1451342450454831},{"text":"I do apologize.","start":2456.86,"end":2457.68,"sentiment":"neutral","sentiment_score":-0.06548578664660454},{"text":"They've been a bit hard dealing with with advisers, so we might not be able to have a TPA on file, but we can help you to monitor it.","start":2458.22,"end":2464.38,"sentiment":"neutral","sentiment_score":-0.19940218226662998},{"text":"We'll just maybe need to get a couple of statements here and there just to help us keep an eye on things, but we can absolutely help you keep an eye on that one.","start":2464.38,"end":2472.1648,"sentiment":"neutral","sentiment_score":0.3124869172187412},{"text":"And","start":2472.7048,"end":2472.9448,"sentiment":"neutral","sentiment_score":0.3023001253604889}],"sentiment":"neutral","sentiment_score":0.03163357523370938,"channel":0,"num_words":83,"start":2453.58,"end":2472.9448},{"sentences":[{"text":"Yep.","start":2472.705,"end":2473.205,"sentiment":"neutral","sentiment_score":0.3114885687828064}],"sentiment":"neutral","sentiment_score":0.3114885687828064,"channel":1,"num_words":1,"start":2472.705,"end":2473.205},{"sentences":[{"text":"we'll make sure this beneficiary nomination is applied to that deferred benefit as well for you.","start":2472.9448,"end":2477.585,"sentiment":"positive","sentiment_score":0.3963381666690111},{"text":"Okay?","start":2477.585,"end":2478.085,"sentiment":"neutral","sentiment_score":0.20645871758461}],"sentiment":"positive","sentiment_score":0.38516878731110515,"channel":0,"num_words":17,"start":2472.9448,"end":2478.085},{"sentences":[{"text":"Yep.","start":2479.425,"end":2479.925,"sentiment":"neutral","sentiment_score":0.3052849769592285}],"sentiment":"neutral","sentiment_score":0.3052849769592285,"channel":1,"num_words":1,"start":2479.425,"end":2479.925},{"sentences":[{"text":"All good.","start":2479.82,"end":2480.56,"sentiment":"positive","sentiment_score":0.5767740905284882},{"text":"Again, you've got some advantages, disadvantages, and the risks involved there.","start":2480.94,"end":2484.86,"sentiment":"neutral","sentiment_score":-0.011615237390453169},{"text":"You do have you did mention you do have a will and power of attorney already,","start":2484.86,"end":2489.28,"sentiment":"neutral","sentiment_score":0.11230593640357256}],"sentiment":"neutral","sentiment_score":0.09733363973169491,"channel":0,"num_words":29,"start":2479.82,"end":2489.28},{"sentences":[{"text":"Yes.","start":2489.6,"end":2490.1,"sentiment":"neutral","sentiment_score":0.16592007875442505}],"sentiment":"neutral","sentiment_score":0.16592007875442505,"channel":1,"num_words":1,"start":2489.6,"end":2490.1},{"sentences":[{"text":"so that is something I haven't sort of factored as the advice.","start":2490.06,"end":2492.9849,"sentiment":"neutral","sentiment_score":0.13482139570017657},{"text":"But if you ever did wanna have those updated, I'll just speak to a solicitor.","start":2492.9849,"end":2496.585,"sentiment":"neutral","sentiment_score":0.15202472855647406},{"text":"I'm more than help happy to help provide someone that can do that for you.","start":2496.585,"end":2500.4448,"sentiment":"positive","sentiment_score":0.6431181987126668},{"text":"But","start":2500.9048,"end":2501.1448,"sentiment":"neutral","sentiment_score":0.2766976058483124}],"sentiment":"neutral","sentiment_score":0.32143484333226846,"channel":0,"num_words":43,"start":2490.06,"end":2501.1448},{"sentences":[{"text":"Yep.","start":2501.045,"end":2501.545,"sentiment":"positive","sentiment_score":0.37007802724838257}],"sentiment":"positive","sentiment_score":0.37007802724838257,"channel":1,"num_words":1,"start":2501.045,"end":2501.545},{"sentences":[{"text":"that's essentially all the recommendations there, trying to keep it nice and easy for you.","start":2501.1448,"end":2505.9648,"sentiment":"positive","sentiment_score":0.5735940734545389},{"text":"If you scroll down to page number 46, as I kinda went through with the projection table there, you can see with coming on board and going through the implementation process, everything with you up into the point you sign the advice and we start implementing it is fully complimentary.","start":2507.17,"end":2521.125,"sentiment":"neutral","sentiment_score":0.3035017016530037},{"text":"So if you decide you don't like any of this, you're out.","start":2521.345,"end":2524.1648,"sentiment":"neutral","sentiment_score":-0.12660042134424052},{"text":"That's absolutely fine.","start":2524.2249,"end":2525.265,"sentiment":"positive","sentiment_score":0.5341483950614929},{"text":"There's no cost involved.","start":2525.265,"end":2526.565,"sentiment":"positive","sentiment_score":0.3884437456727028}],"sentiment":"neutral","sentiment_score":0.30257156305015087,"channel":0,"num_words":84,"start":2501.1448,"end":2526.565},{"sentences":[{"text":"By coming on board and having us implement things, we've got the upfront fee of $4.09 $5.00.","start":2527.345,"end":2531.84,"sentiment":"positive","sentiment_score":0.3732230076018502},{"text":"It is a flat fee there because your balance is over a 150 k.","start":2531.84,"end":2535.54,"sentiment":"neutral","sentiment_score":0.2806788406201771},{"text":"That is deducted out of hub twenty four as soon as","start":2536.1602,"end":2538.56,"sentiment":"neutral","sentiment_score":0.2058354453607039}],"sentiment":"neutral","sentiment_score":0.2985353523067066,"channel":0,"num_words":42,"start":2527.345,"end":2538.56},{"sentences":[{"text":"What?","start":2538.495,"end":2538.995,"sentiment":"neutral","sentiment_score":0.1610565185546875}],"sentiment":"neutral","sentiment_score":0.1610565185546875,"channel":1,"num_words":1,"start":2538.495,"end":2538.995},{"sentences":[{"text":"the money hits.","start":2538.56,"end":2539.36,"sentiment":"neutral","sentiment_score":0.31286417444547016},{"text":"That way, we can have it invested and working harder and earning that back there for you.","start":2539.36,"end":2543.325,"sentiment":"positive","sentiment_score":0.5612634385333342},{"text":"We do also have the ongoing service fee attached.","start":2543.805,"end":2546.445,"sentiment":"neutral","sentiment_score":0.21115672257211474},{"text":"Now this actually does note it's 1.65%.","start":2546.445,"end":2549.565,"sentiment":"neutral","sentiment_score":0.05753171124628612},{"text":"For yourself, it would be 1.1.","start":2549.565,"end":2551.905,"sentiment":"neutral","sentiment_score":0.015190759052832922}],"sentiment":"neutral","sentiment_score":0.30653209558555056,"channel":0,"num_words":42,"start":2538.56,"end":2551.905},{"sentences":[{"text":"I do apologize.","start":2551.9648,"end":2552.765,"sentiment":"neutral","sentiment_score":-0.05782789488633474},{"text":"My power plan, I forgot that.","start":2552.765,"end":2554.125,"sentiment":"neutral","sentiment_score":-0.0846771535774072},{"text":"Scott's your partner, and he nominated this.","start":2554.125,"end":2556.33,"sentiment":"neutral","sentiment_score":0.11938066567693438},{"text":"But Scott also says 1.65%.","start":2556.57,"end":2559.55,"sentiment":"neutral","sentiment_score":0.023143641650676727},{"text":"What I'll do is if you decide to take on the advice, I will knock that and make sure it is reduced to 1.1% for you, and we'll link it so the same thing happens to Scott.","start":2559.85,"end":2569.065,"sentiment":"neutral","sentiment_score":0.029030632403855387}],"sentiment":"neutral","sentiment_score":0.02317189070364011,"channel":0,"num_words":58,"start":2551.9648,"end":2569.065},{"sentences":[{"text":"I don't want you to sign the document based on just reducing his ongoing service fee.","start":2569.4648,"end":2573.9648,"sentiment":"neutral","sentiment_score":-0.1815027268603444},{"text":"You know, I kind of like everyone to sign the advice because they're happy with the advice I have provided, and I think it's gonna help them moving forward.","start":2574.585,"end":2580.7449,"sentiment":"neutral","sentiment_score":0.23314901017423334},{"text":"So it does say 1.65% there, but it is only 1.1 for you, and it's","start":2580.7449,"end":2586.64,"sentiment":"neutral","sentiment_score":0.024328263476490974}],"sentiment":"neutral","sentiment_score":0.07037002695724368,"channel":0,"num_words":60,"start":2569.4648,"end":2586.64},{"sentences":[{"text":"Yep.","start":2586.49,"end":2586.99,"sentiment":"neutral","sentiment_score":0.0012582801282405851}],"sentiment":"neutral","sentiment_score":0.0012582801282405851,"channel":1,"num_words":1,"start":2586.49,"end":2586.99},{"sentences":[{"text":"just over disclosing.","start":2586.64,"end":2587.68,"sentiment":"neutral","sentiment_score":-0.02814209337035815},{"text":"So we like to make sure we're over disclosing the fees in the advice documents.","start":2587.68,"end":2591.06,"sentiment":"neutral","sentiment_score":0.0024634229329725107},{"text":"We also cap our ongoing service fee at a balance of 600,000.","start":2591.1199,"end":2595.3452,"sentiment":"neutral","sentiment_score":0.015629765888055164},{"text":"So the most anyone ever pays us is 9,900.","start":2595.405,"end":2598.945,"sentiment":"neutral","sentiment_score":0.026280808055566415},{"text":"Okay?","start":2599.245,"end":2599.745,"sentiment":"neutral","sentiment_score":0.06065686047077179}],"sentiment":"neutral","sentiment_score":0.010931659687776119,"channel":0,"num_words":40,"start":2586.64,"end":2599.745},{"sentences":[{"text":"Yeah.","start":2599.905,"end":2600.405,"sentiment":"neutral","sentiment_score":0.12742391228675842}],"sentiment":"neutral","sentiment_score":0.12742391228675842,"channel":1,"num_words":1,"start":2599.905,"end":2600.405},{"sentences":[{"text":"All good.","start":2600.7651,"end":2601.5051,"sentiment":"positive","sentiment_score":0.3555508702993393},{"text":"Do you have any questions or anything that you need updated or anything that you've got concerns about?","start":2601.725,"end":2608.09,"sentiment":"neutral","sentiment_score":0.0984362123741044},{"text":"Is there anything you wanted to bring 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yeah, please take some time.","start":2628.255,"end":2629.6948,"sentiment":"neutral","sentiment_score":0.05075252242386341},{"text":"Have a read through it.","start":2629.6948,"end":2630.4949,"sentiment":"neutral","sentiment_score":0.07770291715860367},{"text":"Let me know if you do have any questions","start":2630.4949,"end":2632.275,"sentiment":"neutral","sentiment_score":0.08938396639294094}],"sentiment":"neutral","sentiment_score":0.07487427089363337,"channel":0,"num_words":20,"start":2628.255,"end":2632.275},{"sentences":[{"text":"Yep.","start":2632.8,"end":2633.3,"sentiment":"neutral","sentiment_score":0.07348313927650452}],"sentiment":"neutral","sentiment_score":0.07348313927650452,"channel":1,"num_words":1,"start":2632.8,"end":2633.3},{"sentences":[{"text":"straight after the call.","start":2632.815,"end":2633.855,"sentiment":"neutral","sentiment_score":0.0722819659858942},{"text":"I will just email you again.","start":2633.855,"end":2635.295,"sentiment":"neutral","sentiment_score":0.09952981894214948},{"text":"I know you've been emailing with the girls prior to this, but I'll send you an email from my email.","start":2635.295,"end":2639.61,"sentiment":"neutral","sentiment_score":0.09617350324988365},{"text":"That way, you've got that there direct.","start":2639.61,"end":2641.05,"sentiment":"neutral","sentiment_score":0.17928337625094823},{"text":"And if you find you have any questions that comes from you reading over the document, you're welcome to let me 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Dana.","start":2666.59,"end":2667.49,"sentiment":"positive","sentiment_score":0.7117236852645874}],"sentiment":"positive","sentiment_score":0.7117236852645874,"channel":1,"num_words":2,"start":2666.59,"end":2667.49},{"sentences":[{"text":"No worries at all.","start":2667.86,"end":2668.74,"sentiment":"positive","sentiment_score":0.5822471678256989},{"text":"Looking forward to working with you, Lisa.","start":2668.74,"end":2670.34,"sentiment":"positive","sentiment_score":0.8327911921909877},{"text":"I've really enjoyed putting this plan together, and thank you so much for the opportunity to do so.","start":2670.34,"end":2675.08,"sentiment":"positive","sentiment_score":0.9077125589052836}],"sentiment":"positive","sentiment_score":0.8447363129977522,"channel":0,"num_words":29,"start":2667.86,"end":2675.08},{"sentences":[{"text":"No 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statements for the products that I have recommended for you as 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so much.","start":2718.74,"end":2719.56,"sentiment":"positive","sentiment_score":0.8614713748296102}],"sentiment":"positive","sentiment_score":0.8614713748296102,"channel":1,"num_words":3,"start":2718.74,"end":2719.56},{"sentences":[{"text":"My pleasure.","start":2720.06,"end":2720.86,"sentiment":"positive","sentiment_score":0.8300841152667999},{"text":"Thank you so much for your time.","start":2720.86,"end":2722.1401,"sentiment":"positive","sentiment_score":0.8492624163627625},{"text":"I hope you have a lovely afternoon and get some rest.","start":2722.1401,"end":2724.72,"sentiment":"positive","sentiment_score":0.7892701138149608}],"sentiment":"positive","sentiment_score":0.8143488198518753,"channel":0,"num_words":20,"start":2720.06,"end":2724.72},{"sentences":[{"text":"You too.","start":2725.06,"end":2725.7002,"sentiment":"positive","sentiment_score":0.47470659017562866},{"text":"Thanks for 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They emphasize the importance of managing their assets and liabilities, reducing risk, and maintaining a retirement plan. The speaker emphasizes the benefits of moving out of Brighter Super and into a new Hub twenty four super One fund, transferring coverage, and reducing the cost of insurance premiums. They also discuss the importance of keeping track of retirement projections and updating retirement advice and joint advice pieces. The speaker emphasizes the importance of reading through financial planning advice and offers to answer any questions."},"intents":{"segments":[{"text":"I'm happy to hold you. Just let me know when no issues at all. Okay. Thanks.","start_word":48,"end_word":63,"intents":[{"intent":"Offer assistance","confidence_score":0.04898388}]},{"text":"With this one here, I do need to send through the documents to your emails. It is often easier if you're looking at the advice with me, but I can just take you through the recommendations, and then you're welcome to look at them later. Are you able to pull up your emails at the moment, or is it better if I just run you through the recommendations, talk you through everything, and then you can read it later on?","start_word":111,"end_word":190,"intents":[{"intent":"Explain process","confidence_score":0.0114025995},{"intent":"Offer guidance","confidence_score":0.0008495153}]},{"text":"Thanks so much for that. I've just sent that through, so it should hopefully come through fairly quickly from OdooSign. I believe it has my name attached to it as well for you. K. Make that Yeah.","start_word":260,"end_word":296,"intents":[{"intent":"Express gratitude","confidence_score":0.070951015}]},{"text":"I'll never ask you to sign anything you haven't read, and it doesn't make you sign anything to move any further forward. Okay. Okay.","start_word":358,"end_word":381,"intents":[{"intent":"Ensure success","confidence_score":0.0005910146}]},{"text":"We can just reconfirm your circumstances and still proceed after that time frame. Okay?","start_word":460,"end_word":473,"intents":[{"intent":"Confirm circumstances","confidence_score":0.17975605}]},{"text":"Now all advice is provided under the best interest duty, and it does know what the best interest duty is on the next page there for you. It's about making sure financial advisers are here to meet your goals and we're working towards your goals. This is the first advice document. Moving forward, if you decide to come on, as the client will be able to update the advice and make alterations as your life changes. Okay?","start_word":609,"end_word":685,"intents":[{"intent":"Guide with advice","confidence_score":0.00000446922},{"intent":"Update advice","confidence_score":0.1213922}]},{"text":"You have an aim of retiring about the age of 60. Between yourself and Scott, you're wanting to be able to draw down about $6,000 per month, so about 3,000 from each of your super funds on a monthly basis to be able to fund your retirement there.","start_word":731,"end_word":778,"intents":[{"intent":"Reveal retirement goals","confidence_score":0.00033115354}]},{"text":"We can provide areas other than super retirement with full licensed advisers, and we just sort of help to look at what area you need advice in, what we can do to help in that area. If we can help, we'll certainly find someone who can for you. Okay? No Perfect.","start_word":1232,"end_word":1282,"intents":[{"intent":"Provide advice","confidence_score":0.45096686},{"intent":"Provide advice","confidence_score":0.09343941}]},{"text":"We're also not looking at any trauma. So we did talk about trauma in our last call. worries. Yeah.","start_word":1283,"end_word":1301,"intents":[{"intent":"Discuss trauma","confidence_score":0.59659284},{"intent":"Discuss trauma","confidence_score":0.25835854}]},{"text":"it comes to the estate planning side of things, we're not lawyers, but we can refer you to lawyers for the requirements of setting up a will, power of attorney, and anything estate planning wise.","start_word":1463,"end_word":1497,"intents":[{"intent":"Reference lawyers","confidence_score":0.0004693841}]},{"text":"We help you to look at minimizing or, you know, helping to reduce the amount of tax in advance depending on the circumstances where the accountants will say you've sold this, you've got this bill, you've gotta pay that amount of tax.","start_word":1614,"end_word":1655,"intents":[{"intent":"Reduce tax expenses","confidence_score":0.00012478413}]},{"text":"see how all that's going and see what made the changes that might might include in the advice world for him. Okay.","start_word":1867,"end_word":1888,"intents":[{"intent":"Discuss advice","confidence_score":0.02417464}]},{"text":"Yeah.","start_word":1888,"end_word":1888,"intents":[{"intent":"Follow up","confidence_score":0.003457075}]},{"text":"The next page outlines your assets and liabilities there. I know there could be some changes made in the time that we have spoken to when we gather the original data. Is there anything major that you would want sort of updated, or is everything still relatively correct as per your circumstances?","start_word":2006,"end_word":2057,"intents":[{"intent":"Update information","confidence_score":0.08120031}]},{"text":"The next page is the start of the recommendations. So to start with, I am recommending that we do move you out of Brighter Super and into a new Hub twenty four super One fund. six five? Hub Yeah.","start_word":2284,"end_word":2322,"intents":[{"intent":"Provide recommendations for muthub twenty four","confidence_score":0.0002449122},{"intent":"Recommend moving from brighter super","confidence_score":0.21512082}]},{"text":"So to start with, I am recommending that we do move you out of Brighter Super and into a new Hub twenty four super One fund. six five?","start_word":2293,"end_word":2320,"intents":[{"intent":"Introduce muthub twenty four as a platform with advisors","confidence_score":1.1723209e-8}]},{"text":"twenty four is a retail rep platform, and, essentially, advisors like them because we can build portfolios. Hub twenty four allows us access to about a little over 1,100 different investment options, everything from managed funds, exchange traded funds, right, and the individual companies in Australia and on overseas exchanges as well.","start_word":2323,"end_word":2374,"intents":[{"intent":"Describe muthub twenty four as a platform for investment options and portfolios","confidence_score":0.000007540131}]},{"text":"So this is this is essentially the fee comparison table, and it shows your current scenario.","start_word":2630,"end_word":2645,"intents":[{"intent":"Comparing fees and investments","confidence_score":0.011901118}]},{"text":"your current super fund within Brighter Bay, you're actually in a balanced growth portfolio, which is a little bit lower. So a a growth portfolio was seen as a step higher than where the balance growth is. So by moving into hub twenty four, we're able to put you into a growth portfolio, which increases those growth investments, which is where you get a lot more of those returns moving forward from. Yes.","start_word":2701,"end_word":2773,"intents":[{"intent":"Comparing portfolios","confidence_score":0.0006073914},{"intent":"Comparing portfolios","confidence_score":0.014675716}]},{"text":"So with the recommended, as I mentioned, we are recommending that we move you out of Brighter Super and into hub into hub 24.","start_word":2774,"end_word":2797,"intents":[{"intent":"Recommending move to hub 24 and sma","confidence_score":0.010135733}]},{"text":"Having the SMA is a benefit because if you have a look at the bottom here, utilizing the five year rolling average by moving into the SMA, it has seen a greater past return over the last five years. So if the market's performed the way they have, you can see yourself in a better position moving forward there as well. The Okay.","start_word":2911,"end_word":2973,"intents":[{"intent":"Discussing past performance","confidence_score":0.014155376}]},{"text":"So it is 3.3%.","start_word":3141,"end_word":3144,"intents":[{"intent":"Rate api fee","confidence_score":2.5016683e-7}]},{"text":"One of the big things to sort of note is with your current cover in Brighter Super and the advantages and disadvantages, which are important to note as well, with your Brighter Super life and TBD, you're actually getting a little bit extra pay by your employer to cover the cost of that.","start_word":3438,"end_word":3490,"intents":[{"intent":"Explain benefits of coverage","confidence_score":0.004618512}]},{"text":"To see where your money would be invested, if you scroll up by one more page there for me, Yep. this is the investment break down.","start_word":3843,"end_word":3868,"intents":[{"intent":"Discuss investment split","confidence_score":0.013445311}]},{"text":"So at the moment, you've got your q super deferred benefit. Now I am recommending that we do not touch that in any way, shape, or form. I had Yep.","start_word":3869,"end_word":3898,"intents":[{"intent":"Recommend not to touch anything","confidence_score":0.00008830324},{"intent":"Recommend changing investment","confidence_score":0.00015078973},{"intent":"Recommend removal of tpa","confidence_score":0.0016676164}]},{"text":"So we're sort of saying this is where your money is going, but we control the underlying investments there so we can buy and sell and make changes as we need to.","start_word":4135,"end_word":4166,"intents":[{"intent":"Recommend controlling underlying investments","confidence_score":0.00052493106}]},{"text":"We can take advantage of different investment opportunities nice and easily.","start_word":4269,"end_word":4279,"intents":[{"intent":"Inquire about investment opportunities and timeline","confidence_score":2.5940789e-8}]},{"text":"So the good side is it has performed really well. It is a lot cheaper than Bright wise. It means more money stays in your portfolio for you. The downside is you have less visibility on the investments that your funds are invested in.","start_word":4342,"end_word":4385,"intents":[{"intent":"Provide a financial overview","confidence_score":0.000002163994}]},{"text":"If you scroll down to the next page then, now one of the things we did kinda talk about was moving into the SMA blend and the difference in the five year rolling average debt.","start_word":4812,"end_word":4846,"intents":[{"intent":"Analyze sma benefits","confidence_score":0.019178726}]},{"text":"I've got my lovely admin here who has a fantastic calendar, and we put every quarter who needs a catch up when. And she makes sure to touch base and book everyone in with the catch up so we can determine what advice needs to be updated, when you need, you know, changes to your circumstances or if your income grows because I know your income's due to increase in the next few months there as well.","start_word":5088,"end_word":5164,"intents":[{"intent":"Update advice","confidence_score":0.21246856}]},{"text":"I am recommending we keep that exactly as it is.","start_word":5696,"end_word":5705,"intents":[{"intent":"Admit to keep it exactly as it is","confidence_score":1.3960344e-10}]},{"text":"Defined benefits are fantastic, and this is actually a deferred benefit.","start_word":5741,"end_word":5751,"intents":[{"intent":"Promote deferred benefits","confidence_score":0.0050420687}]},{"text":"I did try to find out from q super, and I have tried to find out a few times what the indexation rate is. They won't tell anyone, and it changes every year. So every time I have one, I call and I try. It doesn't happen. Yeah.","start_word":5841,"end_word":5888,"intents":[{"intent":"Discuss market and indexation rate adjustment","confidence_score":9.193467e-7}]},{"text":"So at about age age 55, after it steadily increased over time along with the indexation figure, then we should be able to look at consolidating that into hub twenty four and having everything in one place there for you. Okay? Yes.","start_word":5965,"end_word":6006,"intents":[{"intent":"Consolidate q super benefits","confidence_score":0.004118916}]},{"text":"The defined benefit amount they've given us at the moment is an estimate. It's really funny because they have this cool equation for essentially determining the current balance. This should be increasing every year, so it should only get more and more from here.","start_word":6008,"end_word":6051,"intents":[{"intent":"Analyze future balance","confidence_score":0.000019889272}]},{"text":"When we're looking at retirement, bigger because we can't determine the growth rate for the for the deferred benefit side of things, I haven't been able to account for that into the retirement projections. But as we get closer and closer, this is only gonna provide a greater benefit to your retirement outcome. Okay? Yes. Perfect.","start_word":6053,"end_word":6108,"intents":[{"intent":"Provide greater benefit to retirement outcome","confidence_score":0.000087827924}]},{"text":"On the next couple of pages, I've outlined some good advantages, disadvantages against some risks involved and alternatives that I've also considered there for you to review. I'd like to make sure that these sections are really well detailed, so they do look quite large. There is a lot there. Please feel free to have a read through those in your time, and then let me know if there's any questions in relation to any of them. Okay?","start_word":6123,"end_word":6200,"intents":[{"intent":"Review sections","confidence_score":0.49871197}]},{"text":"Oh, I'll probably print it out and read it and see if I got All any good.","start_word":6201,"end_word":6217,"intents":[{"intent":"Print and review","confidence_score":0.00025616764}]},{"text":"But based on the current outcome there, with you drawing $3,036,000 dollars per annum out, we can actually project that you are are able to hit that target currently, basically, up until the age of about 99. So this is putting you on track to be able to meet your goals and draw enough out of super for you to live on permanently, which is fantastic.","start_word":6309,"end_word":6374,"intents":[{"intent":"Reach goal on target","confidence_score":0.000021889571}]},{"text":"So this is putting you on track to be able to meet your goals and draw enough out of super for you to live on permanently, which is fantastic.","start_word":6346,"end_word":6374,"intents":[{"intent":"Draw in excess of super","confidence_score":0.0000028113811}]},{"text":"Essentially, what we wanna do is retain the life and TBD amount. It still gives you a 106,000 of life and TPD in the event that something happens, and then roll that over so it's held by hub twenty four. It essentially reduces the premium. So you save about a $156 per year on the total premium, but still get get to keep the same level of cover if anything happens.","start_word":6494,"end_word":6564,"intents":[{"intent":"Retain tbd amount","confidence_score":0.002774533},{"intent":"Maintain coverage","confidence_score":0.010324014}]},{"text":"It essentially reduces the premium. So you save about a $156 per year on the total premium, but still get get to keep the same level of cover if anything happens.","start_word":6534,"end_word":6564,"intents":[{"intent":"Reduce premium","confidence_score":0.0711577}]},{"text":"If you have TBD, the TBD payout is made, and then also your super balances can also be paid out. And you can also claim permanent disability on the deferred benefit within q super as well.","start_word":6810,"end_word":6845,"intents":[{"intent":"Discuss benefits of tdb payout","confidence_score":0.015941665},{"intent":"Discuss benefits of tdb payout","confidence_score":0.0004533383}]},{"text":"And so now having a look at your circumstances and your life, having that life in TPD is still really important as a bit of a backup security for you. Okay?","start_word":6861,"end_word":6891,"intents":[{"intent":"Emphasize importance of tdb","confidence_score":0.001546415}]},{"text":"One sort of thing I do like to point out is on page number 35, we do have the projection table again, but it table again, but it also shows you a comparison that if you were not to pay any insurances inside super.","start_word":6911,"end_word":6954,"intents":[{"intent":"Explain projection table","confidence_score":0.050745286}]},{"text":"So we do know that paying with insurances inside super, because your premiums are coming out of your super fund, there is an impact on your super.","start_word":6955,"end_word":6981,"intents":[{"intent":"Explain impact of insurance premiums","confidence_score":0.12459774}]},{"text":"The following page on page number 38 outlines your employer paid income protection policy, which I Yep. love your that policy.","start_word":7130,"end_word":7150,"intents":[{"intent":"Highlight employer-paid income protection policy","confidence_score":0.000281733}]},{"text":"I am recommending, as we discussed, that you do retain that policy.","start_word":7174,"end_word":7185,"intents":[{"intent":"Recommend policy","confidence_score":0.06884746},{"intent":"Recommend policy retention","confidence_score":0.19902672}]},{"text":"It is a really good policy, but, essentially, has a forty five day waiting. Essentially, it also covers a 100% of income for the first thirteen weeks and reduces to 85% for the remaining ninety one weeks. You can be on this benefit for a maximum of a hundred and four weeks.","start_word":7187,"end_word":7238,"intents":[{"intent":"Inform policy benefits","confidence_score":0.002176385}]},{"text":"So I will recommend that we do a binding, non lapsing beneficiary nomination. Essentially, that basically means that the trustee is bound to follow the directions so long as the nomination is valid. And non lapsing means you only have to fill out one beneficiary form, and you don't have to fill it out again until you wanna revoke or change that nomination.","start_word":7754,"end_word":7816,"intents":[{"intent":"Recommend binding nomination","confidence_score":0.017179972}]},{"text":"They've been a bit hard dealing with with advisers, so we might not be able to have a TPA on file, but we can help you to monitor it. We'll just maybe need to get a couple of statements here and there just to help us keep an eye on things, but we can absolutely help you keep an eye on that one. And Yep.","start_word":7948,"end_word":8012,"intents":[{"intent":"Provide guidance and guidance","confidence_score":0.000058757003}]},{"text":"we'll make sure this beneficiary nomination is applied to that deferred benefit as well for you. Okay? Yep.","start_word":8012,"end_word":8029,"intents":[{"intent":"Monitor beneficiary nomination","confidence_score":0.25991184}]},{"text":"You do have you did mention you do have a will and power of attorney already, Yes.","start_word":8043,"end_word":8059,"intents":[{"intent":"Implement will and power of attorney","confidence_score":0.0053966977}]},{"text":"By coming on board and having us implement things, we've got the upfront fee of $4.09 $5.00. It is a flat fee there because your balance is over a 150 k. That is deducted out of hub twenty four as soon as What? the money hits. That way, we can have it invested and working harder and earning that back there for you. We do also have the ongoing service fee attached. Now this actually does note it's 1.65%.","start_word":8188,"end_word":8266,"intents":[{"intent":"Deduct service fee","confidence_score":0.35762262}]},{"text":"My power plan, I forgot that. Scott's your partner, and he nominated this. But Scott also says 1.65%.","start_word":8276,"end_word":8293,"intents":[{"intent":"Discuss power plan","confidence_score":0.026200697}]},{"text":"What I'll do is if you decide to take on the advice, I will knock that and make sure it is reduced to 1.1% for you, and we'll link it so the same thing happens to Scott. I don't want you to sign the document based on just reducing his ongoing service fee.","start_word":8295,"end_word":8347,"intents":[{"intent":"Reducing fee","confidence_score":0.027155425},{"intent":"Reducing service fee","confidence_score":0.013467456}]},{"text":"I don't want you to sign the document based on just reducing his ongoing service fee.","start_word":8331,"end_word":8346,"intents":[{"intent":"Inviting document signing","confidence_score":0.0000030394026}]},{"text":"Do you have any questions or anything that you need updated or anything that you've got concerns about? Is there anything you wanted to bring up?","start_word":8435,"end_word":8460,"intents":[{"intent":"Requesting feedback on document","confidence_score":0.000048379017}]},{"text":"Do you have any questions or anything that you need updated or anything that you've got concerns about? Is there anything you wanted to bring up? No.","start_word":8435,"end_word":8461,"intents":[{"intent":"Suggesting email for questions","confidence_score":0.0015359814}]}]},"sentiments":{"segments":[{"text":"Hello. Lisa Hi, Lisa. It's Dana again from Oakview Financial. speaking. Is now a bit better of a time for you? I if you just hold on one minute. I've Yeah. just pulled the car over, and I'm just about to park. Sorry. That's okay.","start_word":0,"end_word":44,"sentiment":"neutral","sentiment_score":0.04060938581824303},{"text":"Not a problem. I'm happy to hold you.","start_word":45,"end_word":52,"sentiment":"positive","sentiment_score":0.469220906496048},{"text":"Just let me know when no issues at all. Okay.","start_word":53,"end_word":62,"sentiment":"neutral","sentiment_score":0.31285297870635986},{"text":"Thanks.","start_word":63,"end_word":63,"sentiment":"positive","sentiment_score":0.4352267384529114},{"text":"That's okay. Are you there? I am. Can Hi. can you hear me okay? Can you hear me okay? Yes. I can. Sorry about Same. that. No. That's okay. You've had a busy afternoon. Oh, I've had a busy couple of weeks. Wow. Yeah. No. That's okay. With this one here, I do need to send through the documents to your emails. It is often easier if you're looking at the advice with me, but I can just take you through the recommendations, and then you're welcome to look at them later. Are you able to pull up your emails at the moment, or is it better if I just run you through the recommendations, talk you through everything, and then you can read it later on? What's more preferable for yourself? I can look at it. I Yep. I've got my email on my phone.","start_word":64,"end_word":209,"sentiment":"neutral","sentiment_score":0.03000800311565399},{"text":"Perfect. I've just sent the documents through to you. All good.","start_word":210,"end_word":220,"sentiment":"positive","sentiment_score":0.422445684671402},{"text":"Now just before we jump into the call completely, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that moving forward? Yeah.","start_word":221,"end_word":256,"sentiment":"neutral","sentiment_score":0.17799513041973114},{"text":"No problem. Fantastic. Thanks so much for that. I've just sent that through, so it should hopefully come through fairly quickly from OdooSign.","start_word":257,"end_word":279,"sentiment":"positive","sentiment_score":0.5171882510185242},{"text":"I believe it has my name attached to it as well for you. K. Make that Yeah. You're right. there we go. Open. Perfect. Yeah. Now when you open the email, there is quite a few attachments there as well. The main one is the statement of advice. There is a button that says click to sign. However, you if you click the button, it just lets you go through so you can scroll through the pages. I'll never ask you to sign anything you haven't read, and it doesn't make you sign anything to move any further forward. Okay. Okay. No worries.","start_word":280,"end_word":382,"sentiment":"neutral","sentiment_score":0.08098564398230858},{"text":"Perfect. Excellent.","start_word":383,"end_word":384,"sentiment":"positive","sentiment_score":0.6443907618522644},{"text":"I mean, sorry. All good. Now when you are looking at that first page, it should say Oakview Financial statements advice. Just let me know when It you can does. see that document there.","start_word":385,"end_word":418,"sentiment":"neutral","sentiment_score":0.11667603999376296},{"text":"So when you can see, fantastic. It has been prepared for yourself, Lisa Andrews, as of the 03/06/2026.","start_word":419,"end_word":436,"sentiment":"positive","sentiment_score":0.36652833223342896},{"text":"Our advice documents are dated for sixty days. However, if it does take longer for you to review, it's no problem at all. We can just reconfirm your circumstances and still proceed after that time frame. Okay? On the bottom of the page, it has been prepared by myself and my beautiful team here at Oakview Financial. My representative number is 13043 fine sorry. 1304394. It is registered through ASIC, so you can always look me up if you do need to. I've also attached this document any PDFs and also the financial services guide. So you're welcome to have a look at me in there as well. Okay? Yep. Perfect. So what I'll do is I'll just go through this sort of page by page. If you need me to stop, please let me know. I'll run through the recommendations for hitting the points that we need to touch. If you have any questions or you wanna interrupt me at any point, please just jump in. Okay? Mhmm. No problem.","start_word":437,"end_word":607,"sentiment":"neutral","sentiment_score":0.13926450908184052},{"text":"Beautiful.","start_word":608,"end_word":608,"sentiment":"positive","sentiment_score":0.4092748165130615},{"text":"Now all advice is provided under the best interest duty, and it does know what the best interest duty is on the next page there for you. It's about making sure financial advisers are here to meet your goals and we're working towards your goals. This is the first advice document. Moving forward, if you decide to come on, as the client will be able to update the advice and make alterations as your life changes. Okay? Yep. The next page is a table of contents. You can just go completely past that one. And the next couple of pages, it is outlining what we're scoping in and scoping out. So the main areas that we are looking at is superannuation. You have an aim of retiring about the age of 60. Between yourself and Scott, you're wanting to be able to draw down about $6,000 per month, so about 3,000 from each of your super funds on a monthly basis to be able to fund your retirement there. So we're looking at your super funds. You've got two of them at the moment and looking at how we can make those work as much as possible towards those goals for you. We're also looking at the insurance side of things. You do have a bit of life and t b in your current private super at the moment. We looked at what to do with that to keep the current level of cover, but also making sure to re try and reduce the premiums if at all possible so you have more money working harder for you. And I also did do a bit of a really good review of your employer paid income protection policy, and I've got some recommendations in there for that for you and run you through a bit of information there as well.","start_word":609,"end_word":917,"sentiment":"neutral","sentiment_score":0.19801246632842956},{"text":"Cool. Okay? Excellent. I've also factored in the estate planning side of things for you.","start_word":918,"end_word":932,"sentiment":"positive","sentiment_score":0.5048111081123352},{"text":"So we have it's really important when we are looking at superannuation that we are looking at making sure your beneficiaries are up to date. One of the biggest things we see in this industry is a lot of people passing away unexpectedly and not having beneficiaries' wills and power of attorneys and things like that set up. So we do like to factor in the estate planning side of things to make sure that those little extras are completed.","start_word":933,"end_word":1012,"sentiment":"neutral","sentiment_score":0.1198752373456955},{"text":"So at the worst possible time that your, you know, your wishes can be adhered to, and your family can receive their payments as quickly as possible.","start_word":1013,"end_word":1039,"sentiment":"positive","sentiment_score":0.3334413170814514},{"text":"Okay? Yep.","start_word":1040,"end_word":1041,"sentiment":"neutral","sentiment_score":0.21841052174568176},{"text":"Perfect.","start_word":1042,"end_word":1042,"sentiment":"positive","sentiment_score":0.48906928300857544},{"text":"On the next page, we've got there the limited scope there. So we are looking at the retirement planning side to a limited extent. You're still a little bit further away, but about twelve years until you're able to retire at this point. So because we're over ten years, there are still some changes that could occur in your life, but we are working towards the retirement goal there. So I have scoped into a limited extent to show you the projected outcome based on other recommendations and what we're looking at today, and then we'll keep evolving this moving forward for you as well. Okay?","start_word":1043,"end_word":1148,"sentiment":"neutral","sentiment_score":0.043961810932125686},{"text":"Cool.","start_word":1149,"end_word":1149,"sentiment":"positive","sentiment_score":0.3689205050468445},{"text":"Areas that we're not looking at the moment are debt and cash on budgeting. You've sold your property, and you've got your CD bill to come out. You guys have got some money set away for that currently. We're not providing any additional advice in the area at the moment, but down the track, if you do need any additional advice on debt reduction or cash on budgeting or investments or anything else there, please come and have a chat to me. We can provide areas other than super retirement with full licensed advisers, and we just sort of help to look at what area you need advice in, what we can do to help in that area. If we can help, we'll certainly find someone who can for you. Okay? No Perfect. We're also not looking at any trauma. So we did talk about trauma in our last call. worries. Yeah.","start_word":1150,"end_word":1301,"sentiment":"neutral","sentiment_score":-0.011528635397553444},{"text":"Trauma is an out of pocket expense. You didn't sort of wanna increase those.","start_word":1302,"end_word":1315,"sentiment":"negative","sentiment_score":-0.364848256111145},{"text":"At the moment, life isn't expensive enough with everything that's going on. Yeah. So we've scoped that out for now. But if you ever wanted to talk about trauma or reassess that in any way, let me know.","start_word":1316,"end_word":1353,"sentiment":"neutral","sentiment_score":-0.11262157559394836},{"text":"I'm more than happy to have a chat about it.","start_word":1354,"end_word":1363,"sentiment":"positive","sentiment_score":0.4446127712726593},{"text":"Okay? Yep.","start_word":1364,"end_word":1365,"sentiment":"neutral","sentiment_score":0.17479634284973145},{"text":"Beautiful.","start_word":1366,"end_word":1366,"sentiment":"positive","sentiment_score":0.4647209942340851},{"text":"The next page is the limited advice scope. So this is letting you know that we scope in and out areas that we are and are not providing advice. You'll get to take this back and have a really good read of the document. A lot of what I go through can be quite a lot. So I'll go through the things I need to, then you can take it away and have a good read of everything, and just let me know if you do have any questions at any point in time. When Yep. it comes to the estate planning side of things, we're not lawyers, but we can refer you to lawyers for the requirements of setting up a will, power of attorney, and anything estate planning wise. We look at personal insurances, so things like life, CBD, income protection, and trauma, certain general insurances like home and contents, motor insurances, public liability, and business cover. We tend to not look at any of those. There's a lot of different factors to take into consideration, but we can always refer you through to a general insurance broker should you require those services at all. And the last bit there is under the Better Advice Act 2021. I am a qualified relevant tax provider, so that means I can provide financial advice on tax and tax related matters. However, we're not accountants, so I like to think we're a little bit more fun than accountants. We help you to look at minimizing or, you know, helping to reduce the amount of tax in advance depending on the circumstances where the accountants will say you've sold this, you've got this bill, you've gotta pay that amount of tax. So it's a little bit different, but we can refer you through to an account if you did require those services as well. Okay? Yes.","start_word":1367,"end_word":1680,"sentiment":"neutral","sentiment_score":0.108989175812454},{"text":"Perfect.","start_word":1681,"end_word":1681,"sentiment":"positive","sentiment_score":0.4951619505882263},{"text":"The next page is about you. It's kinda going through all the information we had on yourself there. If you can just let me know, are there any major changes to any of those that I should be noting at the moment, or is everything still fairly similar? For me, everything's fairly similar, but there has been a change in Scott, which you're probably not aware of. Yep. Oh, what's So what's happening there? we actually made the decision for him to go 50% at work, so he's cutting Okay. back. Okay. So, Wow. Wow. yeah, he we just need to focus more on home and and stuff like that Yeah. and him being home more often than working out out of town. So Yeah. he's gonna be 50% working. So which means I'm gonna be the breadwinner. Wow. That'll be a very different vibe for you. That will. Yeah. Well, that is something to I'll make sure that I do touch touch base with him very soon and have a conversation and a bit of a catch up there for him to Yep. see how all that's going and see what made the changes that might might include in the advice world for him. Okay. Yeah.","start_word":1682,"end_word":1888,"sentiment":"neutral","sentiment_score":0.018093039178185992},{"text":"Because I think Beautiful.","start_word":1889,"end_word":1892,"sentiment":"positive","sentiment_score":0.4011723697185517},{"text":"at once they just said if we wanna talk about our stuff, like, together Yep.","start_word":1893,"end_word":1907,"sentiment":"neutral","sentiment_score":0.23896878957748413},{"text":"as a group, we're we're both comfortable with that because, obviously, Yep. we're, you know, we're we're comfortable with working out an outcome for both of us that'll, you Yeah. know, put us both in the best position.","start_word":1908,"end_word":1945,"sentiment":"positive","sentiment_score":0.4095665514469147},{"text":"So Absolutely. No. Definitely. Well, what we'll do is once you're happy and if you decide to take on the advice and come on board, I'll have external third party authority set up for both of you. So yep. we'll both get you to sign those so we can have them applied to the both of you. Okay? Yep.","start_word":1946,"end_word":2004,"sentiment":"neutral","sentiment_score":0.25712502002716064},{"text":"Perfect.","start_word":2005,"end_word":2005,"sentiment":"positive","sentiment_score":0.5037526488304138},{"text":"The next page outlines your assets and liabilities there. I know there could be some changes made in the time that we have spoken to when we gather the original data. Is there anything major that you would want sort of updated, or is everything still relatively correct as per your circumstances? It looks relatively correct. The way you put Ina, Yep. you put Lisa, the like, somebody that owned by both of us. Does that matter? Oh, no. That's okay. That's just because Okay. this is your Good. document. Yeah. That's No absolutely worries. fine. On Scott, everything had his name too, so that's fine. Cool. Yeah. No. That's absolutely fine. We also know your current superannuation balances between your Brighter and q super there for you, and the next page outlines the current insurance policy that you do have paid out of Brighter Super there as well. Okay? Actually, Yes. one question. Is the property the asset value for the property, is that just our home, or is that also including our other unit we've got at Mulunbin? No. This is just the the main primary residence. Primary. Okay. No Yeah. worries. Yep. Perfect. The next couple of pages outline of the risk profile. So we did go through those questionnaires. We talked about Yes. the level of risk and how we should be investing funds for you. We ended up on that growth portfolio there. This just outlines a bit more detail around what the growth portfolio is and a bit more detail there, but I'll Yep. make sure I go through this in a lot more detail below for you as well. Okay?","start_word":2006,"end_word":2282,"sentiment":"neutral","sentiment_score":0.0843256375742303},{"text":"Cool.","start_word":2283,"end_word":2283,"sentiment":"positive","sentiment_score":0.5319818258285522},{"text":"The next page is the start of the recommendations. So to start with, I am recommending that we do move you out of Brighter Super and into a new Hub twenty four super One fund. six five? Hub Yeah. twenty four is a retail rep platform, and, essentially, advisors like them because we can build portfolios. Hub twenty four allows us access to about a little over 1,100 different investment options, everything from managed funds, exchange traded funds, right, and the individual companies in Australia and on overseas exchanges as well.","start_word":2284,"end_word":2374,"sentiment":"neutral","sentiment_score":0.20795220136642456},{"text":"So we can build portfolios that are working really well for yourself and making sure that we alter and change those moving forward as well. So we did actually have a really good look at the research, and I am recommending that we do move you from Brighter Super and in into Yep.","start_word":2375,"end_word":2427,"sentiment":"positive","sentiment_score":0.4667881429195404},{"text":"Hub twenty four. That will mean that all contributions will be directed to Hub twenty four as well. We will start by only transferring a partial rollover. We'll leave 10,000 behind to begin with to keep your insurances in force until we are able to change the insurances, and I'll let you know a little bit below what we're doing with those as well. Okay? Okay. You'll see on each of these pages under the under the recommendation, we have a best interest duty statement. So this is essentially outlining how the how the recommendations are in yours of the best interest in line with your goals. You'll see each and every one of those. I'll let you have a bit of a read through those shortly, but it's about just making sure that things are working harder for you. If I can Yeah. get you just to skip a few pages for me and sorta No worries. head on down to page number sorry. Let me skip a little bit and pop down to page number 22. I can go through this recommendation in a bit more detail there for you and give you a Yep. bit more of an explanation. So this is this is essentially the fee comparison table, and it shows your current scenario. So you've got Vita Super with your current balance there. You've got your administration fees, investment fees, any other fees that might be applicable to the fund. There's no adviser fees being deducted there. You've got your contributions going in and then also got your current insurance premiums there for you as well. Within Yep. your current super fund within Brighter Bay, you're actually in a balanced growth portfolio, which is a little bit lower. So a a growth portfolio was seen as a step higher than where the balance growth is.","start_word":2428,"end_word":2737,"sentiment":"neutral","sentiment_score":0.1504025084357108},{"text":"So by moving into hub twenty four, we're able to put you into a growth portfolio, which increases those growth investments, which is where you get a lot more of those returns moving forward from.","start_word":2738,"end_word":2772,"sentiment":"positive","sentiment_score":0.3997572958469391},{"text":"Yes. So with the recommended, as I mentioned, we are recommending that we move you out of Brighter Super and into hub into hub 24. Essentially, what we can do is we can link these supers together and aggregate the fees behind the scenes to kind of reduce any fee as possible, but it means that we have a lot more access to the funds. We are recommending Okay. with your investment portfolio, we'll still have you in that growth portfolio, but we're gonna move you into our, SMA, so our separately managed account. With this growth portfolio, it's gonna be a mix of what we call the bloom and evergreen funds. It's a mix of the the medium to growth funds to give you that sort of eighty twenty split of growth versus defensive assets there. Yep.","start_word":2773,"end_word":2910,"sentiment":"neutral","sentiment_score":0.1374487578868866},{"text":"Having the SMA is a benefit because if you have a look at the bottom here, utilizing the five year rolling average by moving into the SMA, it has seen a greater past return over the last five years. So if the market's performed the way they have, you can see yourself in a better position moving forward there as well.","start_word":2911,"end_word":2971,"sentiment":"positive","sentiment_score":0.48719322681427},{"text":"The Okay. other reason for this is whilst the administration fees at the top are slightly higher with Hub twenty four, your investment fees are actually lower.","start_word":2972,"end_word":2998,"sentiment":"neutral","sentiment_score":0.2609965205192566},{"text":"So you actually end up saving quite significantly. So you're you with Yeah.","start_word":2999,"end_word":3011,"sentiment":"positive","sentiment_score":0.4921867251396179},{"text":"the admin fees, Hub twenty four is about $550 more than what Brighter Super is. However, Yeah.","start_word":3012,"end_word":3028,"sentiment":"neutral","sentiment_score":0.0882272720336914},{"text":"the investment fees, you actually save $967.","start_word":3029,"end_word":3035,"sentiment":"positive","sentiment_score":0.4084937274456024},{"text":"So when you sort of subtract the two, you're about 417 in front than what you Yeah.","start_word":3036,"end_word":3052,"sentiment":"neutral","sentiment_score":0.28787416219711304},{"text":"would see with Brightness. You're actually saving $417 for the first year there. So that's more money invested in your in your super compounding working harder for you at the end of the day as well, which is really important.","start_word":3053,"end_word":3092,"sentiment":"positive","sentiment_score":0.6289665699005127},{"text":"Okay?","start_word":3093,"end_word":3093,"sentiment":"neutral","sentiment_score":0.23434631526470184},{"text":"Yep. Perfect.","start_word":3094,"end_word":3095,"sentiment":"positive","sentiment_score":0.46226364374160767},{"text":"We obviously do have our ongoing service and adviser fees to note as well. So one of the things we did talk about is if you come on board, we would be charging an upfront implementation fee to go through the implementation of the adviser. So it is 3.3%. It is capped at a $150,000 balance. So the most you'd pay for that is 4,950. The way the implementation technically works with this recommendation is that we start by rolling over a partial rollover. We leave $10,000 behind in Brighter Super. We then invest the money in Hub.","start_word":3096,"end_word":3193,"sentiment":"neutral","sentiment_score":0.13291196525096893},{"text":"As the money has been invested in Hub, once it has been received by Hub twenty four, the $4.09 $5.00 comes out of the cash account nice and quickly, and then we invest the rest of the funds. And the balance at the top, the starting balance is the estimated that we expect to have after that $4.09 $5.00 has been deducted. And we have that invested in the portfolio nice and quick so it can make that money back for you and then start compounding and growing.","start_word":3194,"end_word":3281,"sentiment":"positive","sentiment_score":0.412032812833786},{"text":"Okay? Yep.","start_word":3282,"end_word":3283,"sentiment":"neutral","sentiment_score":0.2321533709764481},{"text":"Perfect.","start_word":3284,"end_word":3284,"sentiment":"positive","sentiment_score":0.4541042745113373},{"text":"You also probably noted in there that the the cost of the insurance is is slightly lower as well. Essentially, what I'm recommending with the insurance side of things is that we actually transfer your cover over. So one of the big things we talked about last time was that you didn't really wanna be paying a lot for insurances. Your super is kind of the main aspect of this, and this is the main most important part of it. So we are recommending here that we just transfer your cover over. We'll keep the same level of cup you have in rider super and transfer it over, and it essentially means that you're paying about half the price there for that cover. Okay. Yep. You'll keep the same level of life and TPD. We just transfer it straight to hub 24, and it essentially is the same cover but a less cost. One of the big things to sort of note is with your current cover in Brighter Super and the advantages and disadvantages, which are important to note as well, with your Brighter Super life and TBD, you're actually getting a little bit extra pay by your employer to cover the cost of that. So your life and TBD in Brighter Super is actual employer paid. They're paying that $306 per per per year for that, and that amount Yeah. of money is added to your contributions. By transferring this over, whilst you are lowering the cost of the insurance premiums, it does mean that your insurance your employer will stop paying those premiums. The cost of $1.50 will come out of your contributions. But when I weighed up the difference so I did actually go back and do the math and have a look at the difference there.","start_word":3285,"end_word":3585,"sentiment":"neutral","sentiment_score":0.1503639521689906},{"text":"By reducing the cost of the insurance premiums, even though your employer won't be paying those on your behalf anymore, you actually save a lot more money.","start_word":3586,"end_word":3612,"sentiment":"positive","sentiment_score":0.41529807448387146},{"text":"So the advantages outweigh the disadvantages of not transferring that over versus your employer covering the cost of the insurance. Does that that make sense? Okay. Yeah. Other than that so that's essentially the recommendation. They're rolling the money over, moving into the hub 24, investing in the estimate with that growth percentage there. If you go up just one page, you'll see the asset allocation sort of driven down as well. So within a growth portfolio, you generally see that eighty twenty split, the 80% growth investments and 20% defensive investments. With your existing Yeah. portfolio at the moment, you've got about 73% in growth investments and then about 27% in defensive investments. So with the SMA blend, we're essentially gonna have 79.6% in those growth investments. That's where you see majority of your returns. You're thinking Australian equities, international equities, and alternative things like gold and silver in there as well, and then reducing the defensive component down to about 20.4%. So defensive assets are lower tend to get lower rates of returns with things like fixed interest, cash, bonds, and things like that. So trying to get a bit more growth out of your portfolio, we do need to take a little bit more risk because they're moving up and taking having more of those growth investments is where we see that come from. Okay? Okay. Yep. To see where your money would be invested, if you scroll up by one more page there for me, Yep. this is the investment break down. So at the moment, you've got your q super deferred benefit. Now I am recommending that we do not touch that in any way, shape, or form. I had Yep.","start_word":3613,"end_word":3898,"sentiment":"neutral","sentiment_score":0.07736290398646485},{"text":"a really good review of that. It is actually a great product. So the one forty two six seven four ninety one stays exactly where it is in q super.","start_word":3899,"end_word":3928,"sentiment":"positive","sentiment_score":0.4709750711917877},{"text":"We We can apply a a TPA onto it, so a third party authority onto your fund, and then we can sort of help to monitor that with you as well. Okay? Sure. Yeah. With the Brighter Super, we would be selling most of it. So you'd sell about all the so all of the funds. So $4.81 would start with leaving 10,000 behind, but at the end of the day, the whole thing would be sold down. And then between the two different SMAs, we get this sort of blend here. So 60% in the blue, which is more of a growth fund, and then we've got sort of a 100 40% in the evergreen, which is more of a a balanced growth sort of option. So we're doing a bit of a mix of blend between the two to make sure you have that $80.20 split keeping you invested in line. The Yep. downside to having these with the SMAs is that you can't see all the underlying investments. So you can see that you can only see the bloom versus the evergreen. It doesn't show Yep. you all the underlying investments that you have the investments in, and that is for a reason. So we're sort of saying this is where your money is going, but we control the underlying investments there so we can buy and sell and make changes as we need to. So with the markets Yep. at the moment, if we're looking at the investors and going, hey. This maybe needs to be removed out of there, then we can make that change quickly without having to call you and change an advice document and sort of, you know, take time out of your day. So the idea is that us plus the investment committee with BlackRock have a lot more control around the investments, what's happening in underlying. We can make changes quickly if need to. And Nope. that way, we're not having to update advice too regularly with regards to investments. We can take advantage of different investment opportunities nice and easily. But we can also send you change reports as well. So every sort of quarter the investment committee meet, they talk about what's happening in the estimate, where the money is invested underlying. And if they make changes, change reports are moved or provided as well. So we can always send change reports when those things are updated and altered and changed.","start_word":3929,"end_word":4341,"sentiment":"neutral","sentiment_score":0.04449271069350258},{"text":"So the good side is it has performed really well. It is a lot cheaper than Bright wise. It means more money stays in your portfolio for you.","start_word":4342,"end_word":4369,"sentiment":"positive","sentiment_score":0.5876415967941284},{"text":"The downside is you have less visibility on the investments that your funds are invested in. So it's kind of one Yeah. of those things. Does that make sense? Do you have any questions so far? No. I'm all good. Yeah. Perfect. Oh, good. Sorry. I'm probably the happiest person ever to talk about sleep, but, so, like, you're welcome to stop You're me at any point. I do it as of in this I also have all the advantages, disadvantages, and the risks involved. I have gone through a few of them with you. There is good. a lot Yep. more noted there. So you're welcome to run your eyes over that, have a really good read of all of those, and then let me know if you do have any additional questions in relation to it. Okay? Cool. No worries Perfect. at all. The other thing on that, like, the comparison table there on page 22, you'll see your contribution difference there. Now because your balance between the two funds is over 500,000, we weren't able to utilize any additional contributions of your cap space from previous years.","start_word":4370,"end_word":4559,"sentiment":"neutral","sentiment_score":0.05604845657944679},{"text":"So we are very limited. Given your income is quite high, you're a very high income earner, we are very limited to making additional contributions.","start_word":4560,"end_word":4584,"sentiment":"negative","sentiment_score":-0.361060231924057},{"text":"But when I kinda looked at the option, starting additional contributions now is gonna benefit you more now than it will if we started in five or six or ten years' time. Yes. So I am recommending that we do salary sacrifice a little bit. Unfortunately, given the amount that you do have available to you, the most we're able to salary sacrifice on a yearly basis without breaking the cap is about $2,000 on a yearly basis there. So it works out to be No about $38.46 on a weekly basis. It is only a very small amount, and we can always set it at the end of each financial year, see what you have available there. But even contributing worries. an Yes. extra $38.","start_word":4585,"end_word":4710,"sentiment":"neutral","sentiment_score":0.050921037793159485},{"text":"46 or or $37 if you wanna round it up or down, Essentially, that over the next twelve years can provide a greater benefit. It's more money invested for you.","start_word":4710,"end_word":4739,"sentiment":"positive","sentiment_score":0.36898133158683777},{"text":"Yeah.","start_word":4740,"end_word":4740,"sentiment":"neutral","sentiment_score":0.3198404908180237},{"text":"It does Yeah. give you a little bit of it because it's a pretax deduction. It does help to reduce a little bit of your income tax.","start_word":4741,"end_word":4767,"sentiment":"positive","sentiment_score":0.4174670279026031},{"text":"Admittedly, the benefit would be very minimal given the amount. However, putting that money in now and having it invested tax of 15% rather than your marginal tax rate over the next twelve years has a greater compounding effect there. Okay? Yep.","start_word":4768,"end_word":4809,"sentiment":"neutral","sentiment_score":0.1967584192752838},{"text":"Perfect. Perfect.","start_word":4810,"end_word":4811,"sentiment":"positive","sentiment_score":0.5755528211593628},{"text":"If you scroll down to the next page then, now one of the things we did kinda talk about was moving into the SMA blend and the difference in the five year rolling average debt. So you can sort of see a projection here. So if over the next sort of five to ten years, the SMA works the way it has, and we've got that average rate of return on a regular on a yearly basis over the next five to ten years, you can sort of see where that puts you. I do and really am open. Projections are just projections. We always use returns that are from previous years, and we know markets are very volatile. They are at the moment with everything that's going on, and we know that you're not gonna get 11% every single year. Some years, you might get 15 or 20%. Other years, it might be 11. It might be, you know, 5% one year.","start_word":4812,"end_word":4974,"sentiment":"neutral","sentiment_score":0.048523254281172726},{"text":"And we do know that one in every sort of six years, we can expect a negative return there as well.","start_word":4975,"end_word":4995,"sentiment":"negative","sentiment_score":-0.4129905104637146},{"text":"So it's about being invested, participating in the market, and investing when when it's down, taking advantage of those downtimes and keeping our contributions going in there. But over the course of time, if you can average this sort of rate of return, if the portfolio works the way we want it to, you can sort of see the projection of where we hope you end up over the next five to ten years.","start_word":4996,"end_word":5069,"sentiment":"neutral","sentiment_score":0.1776946783065796},{"text":"But we will do catch ups with you and see what's happening, how things are going for you. I've got my lovely admin here who has a fantastic calendar, and we put every quarter who needs a catch up when. And she makes sure to touch base and book everyone in with the catch up so we can determine what advice needs to be updated, when you need, you know, changes to your circumstances or if your income grows because I know your income's due to increase in the next few months there as well. So we can always increase, change, and evolve this advice as your life changes as we work out towards your retirement goals over the next twelve years. The Yep. other thing I do like to kinda point out is advice doesn't stop when you hit retirement.","start_word":5070,"end_word":5210,"sentiment":"positive","sentiment_score":0.5247271060943604},{"text":"When you get to 60, that's just us heading out of the accumulation phase, then we're into the retirement phase.","start_word":5211,"end_word":5230,"sentiment":"neutral","sentiment_score":0.32048988342285156},{"text":"What I would like to do, and I what I did sort of say this got last time, was what I would like to do in the future is readjust the advice and maybe do a joint advice piece with the both of you so we can see where we've gotten to so far, what we're looking forward to.","start_word":5231,"end_word":5289,"sentiment":"positive","sentiment_score":0.5324798226356506},{"text":"But then also looking in the retirement years when we get closer, whether we need to maybe shelter some money somewhere so you can access the age pension to give you other benefits there, whether, you know, how long we draw super out of, who's got a higher balance, and who we draw more money out of versus less so we can get longevity out of both of your super funds as well.","start_word":5290,"end_word":5362,"sentiment":"neutral","sentiment_score":0.186724990606308},{"text":"So there's lots of other Yes. things that we can do in that retirement space, which is really fun and really cool, Yep. And it's about making sure we're working towards that. But if life doesn't stop at 60, it only gets better and better from there as we work through those retirement years.","start_word":5363,"end_word":5416,"sentiment":"positive","sentiment_score":0.5034475922584534},{"text":"Okay? Sure.","start_word":5417,"end_word":5418,"sentiment":"neutral","sentiment_score":0.25047898292541504},{"text":"Perfect.","start_word":5419,"end_word":5419,"sentiment":"positive","sentiment_score":0.4415668845176697},{"text":"Underneath that, we do have the annualized returns to to sort of show you the difference between Brighter Super and the recommended at the moment. Unfortunately, recommended doesn't give us a ten year rolling average, but we do have the five that we've been working on. We do like to work on the longest rolling average we can because it sort of shows you that the portfolio has been around for a longer time. It's got a longer track record, which is really important for averaging out returns. Okay. Yeah. Perfect. The next sort of page is going through the salary sacrifice. Unfortunately, I couldn't recommend anything more than the $2,000 on an annual basis, and that was rounding it down a little bit as well. So you do have a little bit of cap space there.","start_word":5420,"end_word":5556,"sentiment":"neutral","sentiment_score":0.05771131440997124},{"text":"But, look, you're on a great income, and your employer's making great contributions as it is. And just the contributions you have plus this little bit of salary sacrifice that will top it up, you can sort of see projected above. You're on track for a really great retirement at the moment.","start_word":5557,"end_word":5608,"sentiment":"positive","sentiment_score":0.4550911784172058},{"text":"So we just need the markets to perform. We just need to make sure that things are working for you and make sure we catch up and and change the advice as we need to moving forward as well. Okay? Yep.","start_word":5609,"end_word":5649,"sentiment":"neutral","sentiment_score":0.2823387682437897},{"text":"Perfect.","start_word":5650,"end_word":5650,"sentiment":"positive","sentiment_score":0.44868651032447815},{"text":"Again, the next pages do outline the advantages, the disadvantages, the risks involved, any alternatives that I've also considered as part of the research there for you. Yep. The following page on page number 27, this outlines with regard to the q super defined benefits. I am recommending we keep that exactly as it is. We'll keep touch Yeah. with you.","start_word":5651,"end_word":5711,"sentiment":"neutral","sentiment_score":0.11601623062227594},{"text":"One of the best things about this sort of I love these things. They're great.","start_word":5712,"end_word":5726,"sentiment":"positive","sentiment_score":0.7473899722099304},{"text":"I actually asked my boss to do one for us, and he said no.","start_word":5727,"end_word":5740,"sentiment":"neutral","sentiment_score":0.058032114058732986},{"text":"Defined benefits are fantastic, and this is actually a deferred benefit.","start_word":5741,"end_word":5751,"sentiment":"positive","sentiment_score":0.4328273832798004},{"text":"So your defined benefit has technically moved into what's called deferred benefit stage. The funds can stay in here until the age of 55, and they're actually not invested in the market. So they're not market linked in any way. Your end figure does not depend upon what the market Yes.","start_word":5752,"end_word":5802,"sentiment":"neutral","sentiment_score":0.07019907981157303},{"text":"does, unlike the rest of your super, which is really cool.","start_word":5803,"end_word":5813,"sentiment":"positive","sentiment_score":0.45379722118377686},{"text":"It is essentially invested in the average wage option, which means that it is every year, it is indexed, sometimes by CPI, sometimes by a lesser amount. I did try to find out from q super, and I have tried to find out a few times what the indexation rate is. They won't tell anyone, and it changes every year. So every time I have one, I call and I try. It doesn't happen. Yeah. So, yeah, keeping everything in the in the defined benefit for the moment until the age of 55. When you get closer to the age of 55, we can look at the difference in the time frame that they're gonna move it. At 55, they give you the option of moving it to another fund, sometimes withdrawing some of the benefit or keeping it in queue through, then it moves into the accumulation phase in there. So at about age age 55, after it steadily increased over time along with the indexation figure, then we should be able to look at consolidating that into hub twenty four and having everything in one place there for you. Okay? Yes.","start_word":5814,"end_word":6006,"sentiment":"neutral","sentiment_score":0.07757185399532318},{"text":"Perfect.","start_word":6007,"end_word":6007,"sentiment":"positive","sentiment_score":0.5476418137550354},{"text":"The defined benefit amount they've given us at the moment is an estimate. It's really funny because they have this cool equation for essentially determining the current balance. This should be increasing every year, so it should only get more and more from here. When we're looking at retirement, bigger because we can't determine the growth rate for the for the deferred benefit side of things, I haven't been able to account for that into the retirement projections. But as we get closer and closer, this is only gonna provide a greater benefit to your retirement outcome. Okay? Yes.","start_word":6008,"end_word":6106,"sentiment":"neutral","sentiment_score":0.14407465938064787},{"text":"Perfect.","start_word":6107,"end_word":6107,"sentiment":"positive","sentiment_score":0.3659488558769226},{"text":"Do you have any questions so far at all? No. I'm all good. No? Perfect. On the next couple of pages, I've outlined some good advantages, disadvantages against some risks involved and alternatives that I've also considered there for you to review. I'd like to make sure that these sections are really well detailed, so they do look quite large. There is a lot there. Please feel free to have a read through those in your time, and then let me know if there's any questions in relation to any of them. Okay? Oh, I'll probably print it out and read it and see if I got All any good. questions. All good. The next one here is the retirement calculation. So this, as I kinda mentioned, is based on a limited scope. So based on the current projections, based on the current recommendations where we kinda see in the next twelve years this projected outcome to be. As I kinda mentioned, projections are those projections. They can always change depending on your lifestyle factors, your income, when you decide to retire. It also depends on market returns and things like that as well, so we wanna keep checking on track. But based on the current outcome there, with you drawing $3,036,000 dollars per annum out, we can actually project that you are are able to hit that target currently, basically, up until the age of about 99.","start_word":6108,"end_word":6345,"sentiment":"neutral","sentiment_score":0.11521118134260178},{"text":"So this is putting you on track to be able to meet your goals and draw enough out of super for you to live on permanently, which is fantastic. It's actually Sure. projected about $612 more than your target income and still giving you longevity out of super. So it is a great strategy. It is sort of showing you that you can meet your goal. You're on track to do so.","start_word":6346,"end_word":6417,"sentiment":"positive","sentiment_score":0.5629406571388245},{"text":"For the moment, we just need to keep reviewing things because twelve years is a long time away. A lot of things can happen in that time frame, and we just wanna keep reviewing things moving forward for you as well. Okay?","start_word":6418,"end_word":6459,"sentiment":"neutral","sentiment_score":0.021004261715071543},{"text":"Perfect.","start_word":6460,"end_word":6460,"sentiment":"positive","sentiment_score":0.5969273447990417},{"text":"The next sorry. The next strategy, if you scroll down, is the insurance strategy. Yep.","start_word":6461,"end_word":6475,"sentiment":"neutral","sentiment_score":0.0466930978000164},{"text":"Perfect.","start_word":6476,"end_word":6476,"sentiment":"positive","sentiment_score":0.47849857807159424},{"text":"So as I mentioned, you've got your life and TBD inside your Brighter Super at the moment. Essentially, what we wanna do is retain the life and TBD amount. It still gives you a 106,000 of life and TPD in the event that something happens, and then roll that over so it's held by hub twenty four. It essentially reduces the premium.","start_word":6477,"end_word":6538,"sentiment":"neutral","sentiment_score":0.2255537509918213},{"text":"So you save about a $156 per year on the total premium, but still get get to keep the same level of cover if anything happens.","start_word":6539,"end_word":6564,"sentiment":"positive","sentiment_score":0.3779522478580475},{"text":"The monthly with the way that these are the covers are transferred and the way they are paid is that you would actually pay this on a monthly basis. So $12.53 is deducted out of your super fund each month, but it'll equate to about a 150 over the course of the year there. But it essentially allows you to keep the life and TPD for as long as you need it until it expires. These things tend to expire at around about $8.65 depending on the policy. Just because by the time of 60, we're retiring, we actually don't really normally need any life or TPD anymore. But having it for the next twelve years is still really important. You do still have debts. You still have a life to cover in a family, and it's really important to have that sort of backup for the time being. So keeping Yeah.","start_word":6565,"end_word":6716,"sentiment":"neutral","sentiment_score":0.09257230907678604},{"text":"the cover, transferring it over allows you to retain it. There's no underwriting process to go through, which is fantastic. It's a straight retention. It's a good level of cover.","start_word":6717,"end_word":6746,"sentiment":"positive","sentiment_score":0.5455542802810669},{"text":"If anything was to happen to you as we kinda went through with your life and your super balances, everything would be paid out and does cover your debt levels and still provide Scott with a a, you know, a little extra to sort of take time off and work out what to do with. And having TBD, again, the same thing. If you have TBD, the TBD payout is made, and then also your super balances can also be paid out. And you can also claim permanent disability on the deferred benefit within q super as well. So all of that can be released in the instance of TPD, which is a benefit. And so now having a look at your circumstances and your life, having that life in TPD is still really important as a bit of a backup security for you. Okay? Yeah. Perfect. Again, we've got the best interest of you there, some advantages, disadvantages, and the risks involved there. One sort of thing I do like to point out is on page number 35, we do have the projection table again, but it table again, but it also shows you a comparison that if you were not to pay any insurances inside super. So we do know that paying with insurances inside super, because your premiums are coming out of your super fund, there is an impact on your super. But with the insurance premiums that we you are paying now versus the recommended, there's a very minimal impact. However, if you were not to pay any insurances at a super with the hub 24 the way it is projected above, you can actually see and project where you could end up over the next five to ten years. Okay. Yep. Perfect. It's not a huge difference. It goes from, like, $1300000.0.01 5 to $1300000.0.01 7. So it's not a massive difference or a huge impact there, but it does have an impact. And and we just wanna make sure that we're, you know, making you aware of that and being open and honest with everything that we do disclose. Perfect. We've got the advantages, the disadvantages, and the risks involved on the next few pages there for you and any alternatives that we have also considered. Yep. The following page on page number 38 outlines your employer paid income protection policy, which I Yep.","start_word":6747,"end_word":7146,"sentiment":"neutral","sentiment_score":0.12390607438981532},{"text":"love your that policy. I think it is fantastic. You can't get another income protecting policy like this anywhere that I have seen. I think it's fantastic. I am recommending, as we discussed, that you do retain that policy. It is a really good policy, but, essentially, has a forty five day waiting.","start_word":7147,"end_word":7199,"sentiment":"positive","sentiment_score":0.504433238281394},{"text":"Essentially, it also covers a 100% of income for the first thirteen weeks and reduces to 85% for the remaining ninety one weeks. You can be on this benefit for a maximum of a hundred and four weeks. If you're over 70, 75 years of age, it reduces to 52. Anyone over the age of 75, it goes to definitely longer as well.","start_word":7200,"end_word":7262,"sentiment":"neutral","sentiment_score":0.17787790298461914},{"text":"So this is a really cool policy because there is not with income protection benefits now, you can't be covered for more than 70% of your income. So this pays a much higher benefit.","start_word":7263,"end_word":7296,"sentiment":"positive","sentiment_score":0.4731126427650452},{"text":"Admittedly, Okay.","start_word":7297,"end_word":7298,"sentiment":"neutral","sentiment_score":0.24896782636642456},{"text":"it's a shorter benefit period, but it pays a really good higher benefit. You can also use it as a top up if you're on, like, workers' compensation or something and needing to claim as a top up. It also has some cool features as well.","start_word":7299,"end_word":7344,"sentiment":"positive","sentiment_score":0.3869850933551788},{"text":"So the funeral benefit of up to 5,000, which can be paid out.","start_word":7345,"end_word":7357,"sentiment":"neutral","sentiment_score":0.3178271949291229},{"text":"So if you were to pass away, there's a extra funeral benefit, which can be paid out nice and quickly.","start_word":7358,"end_word":7377,"sentiment":"positive","sentiment_score":0.4046145975589752},{"text":"It has a zero day waiting period for serious some serious medical conditions, and in the PDF document, it outlines what those are. It also has a workers' compensation top up. So as I mentioned, if you're on workers' compensation, which normally only covers around about 80% of someone's wage, if they're on, you know, a full workers' compensation.","start_word":7378,"end_word":7436,"sentiment":"neutral","sentiment_score":0.19551023840904236},{"text":"You can then top it up with this policy to cover a 100% of your income, which is pretty cool.","start_word":7437,"end_word":7456,"sentiment":"positive","sentiment_score":0.4236460626125336},{"text":"Yeah. And then it's also got the financial planning benefit as well. So if you're on a claim for more than six months and you can seek financial planning, and they cover the cost of that up to a certain amount. So that is, again, nice and cool, but we certainly hope you're not on an income protection claim for that long.","start_word":7457,"end_word":7518,"sentiment":"neutral","sentiment_score":0.18874719738960263},{"text":"But it is a really great policy, And the biggest benefit is that it's not paid by you in any way, shape, or form.","start_word":7519,"end_word":7542,"sentiment":"positive","sentiment_score":0.3522474765777588},{"text":"So the best insurance is the one that covers you, Yeah. but you don't have to pay for it. Yeah. I've got another best interest, Eddie.","start_word":7543,"end_word":7568,"sentiment":"neutral","sentiment_score":0.188131550183663},{"text":"It is your best interest to keep because a, it is an employer paid policy. The benefit is higher than any income protection benefit out there. It essentially gives you that level of cover without you having to cover the cost of it, and retaining it is just it's just the way it yeah.","start_word":7569,"end_word":7622,"sentiment":"positive","sentiment_score":0.42154672741889954},{"text":"It's nothing else I can say, really. It's just why would you give that up?","start_word":7623,"end_word":7637,"sentiment":"neutral","sentiment_score":0.11118359118700027},{"text":"It's just fantastic, honestly.","start_word":7638,"end_word":7641,"sentiment":"positive","sentiment_score":0.5601365566253662},{"text":"I was Yeah. a little bit jealous. I was like, woah. I didn't even have those benefits. I do have the advantages, disadvantages, and the risks involved below because with every decision we make, with every product, there are advantages as well as disadvantages to take into consideration. So I Yeah. have outlined those for you so you can have a good review of each of them as Cool. well. Okay?","start_word":7642,"end_word":7712,"sentiment":"neutral","sentiment_score":0.019436027854681015},{"text":"Perfect.","start_word":7713,"end_word":7713,"sentiment":"positive","sentiment_score":0.451643705368042},{"text":"The last sort of recommendation here is about the estate planning side of things. So because we are looking at moving you out of Brighter Super and into Hub 24, we do need to make sure your beneficiaries are done. So I will recommend that we do a binding, non lapsing beneficiary nomination. Essentially, that basically means that the trustee is bound to follow the directions so long as the nomination is valid. And non lapsing means you only have to fill out one beneficiary form, and you don't have to fill it out again until you wanna revoke or change that nomination. And as per your wishes, we'll make sure Scott is nominated as the beneficiary in the event that you pass away. Yeah. With the deferred benefit side of things, I did a really good deep dive into q super and the deferred benefit there. They do allow for a beneficiary nomination to be provided, and they do, according to the documents, allow a binding non lapsing nomination as well. So we'll make sure that that is applied and sent to them. That way, it can also be, added to the account. With QSuper, one of the things I did say before is we wanna try and add a TPA on there. QSuper have been a little bit hard with us with TPAs, and I just forget this. I do apologize. They've been a bit hard dealing with with advisers, so we might not be able to have a TPA on file, but we can help you to monitor it. We'll just maybe need to get a couple of statements here and there just to help us keep an eye on things, but we can absolutely help you keep an eye on that one. And Yep.","start_word":7714,"end_word":8011,"sentiment":"neutral","sentiment_score":0.10143979890084506},{"text":"we'll make sure this beneficiary nomination is applied to that deferred benefit as well for you.","start_word":8012,"end_word":8027,"sentiment":"positive","sentiment_score":0.38551080226898193},{"text":"Okay? Yep.","start_word":8028,"end_word":8029,"sentiment":"neutral","sentiment_score":0.26575446128845215},{"text":"All good.","start_word":8030,"end_word":8031,"sentiment":"positive","sentiment_score":0.5536642074584961},{"text":"Again, you've got some advantages, disadvantages, and the risks involved there. You do have you did mention you do have a will and power of attorney already, Yes. so that is something I haven't sort of factored as the advice. But if you ever did wanna have those updated, I'll just speak to a solicitor.","start_word":8032,"end_word":8086,"sentiment":"neutral","sentiment_score":0.10194402188062668},{"text":"I'm more than help happy to help provide someone that can do that for you. But Yep. that's essentially all the recommendations there, trying to keep it nice and easy for you.","start_word":8087,"end_word":8118,"sentiment":"positive","sentiment_score":0.5624964833259583},{"text":"If you scroll down to page number 46, as I kinda went through with the projection table there, you can see with coming on board and going through the implementation process, everything with you up into the point you sign the advice and we start implementing it is fully complimentary. So if you decide you don't like any of this, you're out.","start_word":8119,"end_word":8180,"sentiment":"neutral","sentiment_score":0.18663538992404935},{"text":"That's absolutely fine. There's no cost involved. By coming on board and having us implement things, we've got the upfront fee of $4.","start_word":8181,"end_word":8203,"sentiment":"positive","sentiment_score":0.40857362747192383},{"text":"09 $5.00. It is a flat fee there because your balance is over a 150 k. That is deducted out of hub twenty four as soon as What? the money hits.","start_word":8203,"end_word":8233,"sentiment":"neutral","sentiment_score":0.25512251257896423},{"text":"That way, we can have it invested and working harder and earning that back there for you.","start_word":8234,"end_word":8250,"sentiment":"positive","sentiment_score":0.5495975017547607},{"text":"We do also have the ongoing service fee attached. Now this actually does note it's 1.65%. For yourself, it would be 1.1. I do apologize. My power plan, I forgot that. Scott's your partner, and he nominated this. But Scott also says 1.65%. What I'll do is if you decide to take on the advice, I will knock that and make sure it is reduced to 1.1% for you, and we'll link it so the same thing happens to Scott. I don't want you to sign the document based on just reducing his ongoing service fee. You know, I kind of like everyone to sign the advice because they're happy with the advice I have provided, and I think it's gonna help them moving forward. So it does say 1.65% there, but it is only 1.1 for you, and it's Yep. just over disclosing. So we like to make sure we're over disclosing the fees in the advice documents. We also cap our ongoing service fee at a balance of 600,000. So the most anyone ever pays us is 9,900. Okay? Yeah.","start_word":8251,"end_word":8432,"sentiment":"neutral","sentiment_score":0.04690797117303361},{"text":"All good.","start_word":8433,"end_word":8434,"sentiment":"positive","sentiment_score":0.348139226436615},{"text":"Do you have any questions or anything that you need updated or anything that you've got concerns about? Is there anything you wanted to bring up? No. No. I'm all good. It's yeah. I'll just Yep. have to read it through, you know, all the risks and advantages and disadvantages, all that, get my Absolutely. head around Yeah. Absolutely. It is a lot to go through. It's sort of why I try to say let's have the document in front of you because I do go through a lot, especially with your advice document that. Yeah. here. Yeah. But, yeah, please take some time. Have a read through it. Let me know if you do have any questions Yep. straight after the call. I will just email you again. I know you've been emailing with the girls prior to this, but I'll send you an email from my email. That way, you've got that there direct. And if you find you have any questions that comes from you reading over the document, you're welcome to let me know. Okay?","start_word":8435,"end_word":8613,"sentiment":"neutral","sentiment_score":0.05605178698897362},{"text":"Awesome. Fantastic. Thank you so much. Perfect.","start_word":8614,"end_word":8620,"sentiment":"positive","sentiment_score":0.5856145024299622},{"text":"That's okay. Not a problem at all.","start_word":8621,"end_word":8627,"sentiment":"neutral","sentiment_score":0.22469882667064667},{"text":"I thank you so much for your time.","start_word":8628,"end_word":8635,"sentiment":"positive","sentiment_score":0.411893755197525},{"text":"I know you've had a really busy couple Maybe of a weeks, couple and today of weeks. has not been any easier for you. That's okay.","start_word":8636,"end_word":8661,"sentiment":"neutral","sentiment_score":0.015791306272149086},{"text":"But oh, good. Take your time reading through that one. Let me know if there's anything I that you need or any questions that you have, and I'm more than happy to answer them for you. Okay? Thanks, Dana. No worries at all. Looking forward to working with you, Lisa. I've really enjoyed putting this plan together, and thank you so much for the opportunity to do so. No problem. Thanks. I'll talk to you again soon.","start_word":8662,"end_word":8738,"sentiment":"positive","sentiment_score":0.6582632064819336},{"text":"No worries. And before you go, I should also let you Yeah. know once you get through that one on the email, you'll also see the other documents there, the fax find. We've also got a lot of super search that we'll do if you decide to come on board. You'll see applications and things like that as well. So if you decide to take on the advice, you're happy to sign it. It'll also ask you to sign the application forms, the lost super search, your fax line, and things like that. That just helps us to start the the process of the implementation and attach the to the email there as attachments. I've got a copy of the statement of advice, the appendix in there for you as well, and I've also got our financial services guide and any product disclosure statements for the products that I have recommended for you as well. Okay?","start_word":8739,"end_word":8894,"sentiment":"neutral","sentiment_score":0.2526969313621521},{"text":"Cool. Awesome. Thank Beautiful. you so much. My pleasure. Thank you so much for your time. I hope you have a lovely afternoon and get some rest. You too. Thanks for that. Bye. Thanks, Lisa. See you later.","start_word":8895,"end_word":8932,"sentiment":"positive","sentiment_score":0.714667797088623},{"text":"Bye.","start_word":8933,"end_word":8933,"sentiment":"neutral","sentiment_score":0.23725372552871704}],"average":{"sentiment":"neutral","sentiment_score":0.17158809837552924}}}}