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There is a folder called s zed in Madison, Svanio CEOs folder. There is a in the research working papers s z s o a. Can you please upload go into their go into their OdooSign template. Can you please upload those two documents for signing and put them at the top? And then put the signatures there and everything and send the whole pack out. I'm just saying that I've had a problem with my portal, which I have. Yeah. I'll stay on yep. That's all good. I need that. Hold on. Hold on. Fuck's sakes. There's no replacing. I should have already deleted them out. I just need the ones in there. And then please move them to the top. And make sure it's the s zed s o a ones, please. The SOA appendix is the top one. Beautiful. Amazing. Please put it on and send it through. I'll start speaking to them now. Thank you. Done. Go. Send just send him through. Thank you. Hey. Hey then, Madison. How are you? That's okay. We've been going back and forth, and then started making funny noises and beep beepiness. I'm not too sure what's going on. It must be my Internet or something's happening, but the exact same person that you just spoke to, Caden, he is all over, and he was actually uploading everything for us as we speak. So I was just kind of sitting, twiddling my fingers, and just just holding off. So you should receive something fairly soon. Either way, I'm just in the middle of drawing up a email to send that so that it's at some point, you'll receive one of the one of the two so we can go through the recommendations, and we all can get to dinner and everything else. Beautiful. I do apologize what's going on. Here I am. You know what? I might have to get in touch with Starlink because it might have something to do with that. Alright. I must firstly I must firstly apologize for Glenn presenting your recommendations this evening as discussed. Please see attached. Look. I'm just gonna send you just something really quick and easy so that we can get into it. Okay? Amazing. Alright. There is that. And I also attached the appendix. So at least you've got it via email, and I'll cc Brendan in as well. And appendix. Amazing. Alright. So I've just sent that out via email. So let me know when you have received or sent it to madison_o8@hotmail.com. Yeah. This is so when it comes through for once you kind of move do you you use Hotmail? Obviously, on Gmail, it carries on going to spam or junk until you actually right click and say move to inbox. So it might be the same with Hot Hotmail. I'm not too sure. Maybe give it a refresh as well. That's okay. It's a fairly large document. Don't be too intimidated by it. It's, yeah, it's it's about let's see how many pages. I'll open it up in my mind. About sixty days a month. So I pay you more because dual we call you guys dual clients. So we do not only a recommendation for yourself, we have to do one for each of you. So I've done obviously a super recommendation with the inclusion of insurances, but then I can walk you through the insurances, which is the primarily what you're looking for. Right? Yep. Let me know when you got it through. Amazing. Do you get the email? Which email are you looking at? The sign in one or my one? My one. Beautiful. Okay. So the first documents, the twenty twenty six zero eight twenty four statement of advice, Brendan Madison, PDF. Beautiful. Okay. So if you open that up, you should be looking at let me just make sure that this is the correct one. Alright. So are you looking at the front page, which is the, yeah, amazing Gold Coast and all the bits and pieces? Perfect. Alright. So this is essentially called a statement of advice. It is a legally binding document, which just pretty much outlines our recommendations in writing. And the main reason why we do all sorts of personalized financial advice by this matter is to make sure that not only you are protected, but we're protected too. You know, if we say we recommend this, but I see and well, you say I recommended something and and I say I didn't. It's all just hearsay. So the government decided to formalize it and make sure that when we're giving advice on, you know, clients' literal future and their lives, We do it as compliantly and formally as possible. Okay? So this is this is this document. The it is prepared for yourself as well as Brandon Smith on the August 25. It's prepared by myself, Severiano Zata, and my authorized representative number ASIC in the federal government is 1259315. I am licensed under Oakview Financial as an Australian financial services license. And all of our details, including the AFSL license number under ASIC is right there on the front page. Beautiful. Alright. So this next page, let's just skip through page by page. So the next page just outlines this document. So this document is exactly what I just discussed. But more importantly, best interest duty, it just outlines what our common law judiciary duty is. So that number that I have, the 1259315, when you do all the degrees and the the professional year and you actually get this kind of number given to you or awarded by ASIC and the federal government. We that's not quite as full on as lawyers where they go to the bar and kind of put their hands up and and put their hand on the bible and things like that. But, yeah, it just gives us the authority to give financial advice. But in doing so, we need to make sure that we look after your best interest and nobody else's best interest, including my own. Because if I look after my best interest to get paid or something along those lines or something someone else, next to neighbor, then I will lose that 125 license number, and I'll never be able to practice again. And I'll lose my company. And I like you guys so far, but I don't like you that much. So I won't be doing anything like that. But it just outlines in writing what the corporations act outlines as best interest standards and what we need to do to satisfy them. Okay? Beautiful. Now next next page is just table of contents, pretty self explanatory. The page after that is looking at the scope of advice. Now what we've considered and what we haven't considered in regards to your goals and objectives. Okay? So and just keep in mind, if you have any questions along the way or would like to discuss anything, just don't hesitate to reach out. That's kind of, you know, what what what what this whole conversation's about. Okay? It's not one of those things where you hold up till the end. If you wanna ask something, just let me know. Okay? Beautiful. Is Brendan there as well? That that's alright. I'll tell you what. We'll just go through step by step because he is first on the documents. But I can go through your recommendations, and then I can just kind of to walk you through Brendan as well. All the whole document, as you said, you kinda look after this side of the things. So entirely up to you. Yeah. Beautiful. Yeah. Yeah. No. That's alright. Alright. So I'm looking at your scope of advice. What we're considering is superannuation. The reason why we're including superannuation is because you had insurances within that superannuation. Like I said, I've done a recommendation of an alternate super fund for both of you. You actually get discounts. So it's the same super fund for both because you get a family kind of discounting, made it cheaper than what you currently have within the industry fund and to get better return as well just for your consideration. But we have to address the super because we're addressing the insurances. Okay. They kinda go hand in hand. The main reason for that is because of those goals. You want to ensure that your superannuation arrangements are appropriate, especially over the longer term because you're looking at those insurances and the reasons why we scoped it in, which I just explained. But on the next page is your insurance. Our goals so our priority is to make sure that we and our young family are financially protected if either of us dies become seriously ill or injured, becomes permanently disabled, or unable to work for an extended period of time. We would like to understand the appropriate levels of life and total point of stability, income protection, critical illness cover, which is all of them, taking into consideration our mortgage income and ongoing household expenditure for future needs for our children as well. Does that make sense? Is that kind of we're hitting nail on the head? Is that on the money? Or yeah. Beautiful. What I've also put in there is estate planning. I know that you said we're in our discussions that you wanted to have a look at some sort of, you know, will, power of attorney, stuff like that. So I thought I might just put something. Okay. Well, we would have referred you over to a lawyer with the with the kids. So definitely so you you've actually saved on doing this through through those guys for free because the people I refer you over to is pretty comprehensive. It's full on. Digly binding document can can get you know, depending on the complexity, it can get to $10 sometimes. You know? With with your guys, or did you want me to refer over? I'll go with the free version, to be honest. Oh, yeah. Absolute. Absolute absolutely it is. Yeah. Yeah. Yeah. So, again, this is just just yeah. Correct. Absolutely. You do that. You use that to your benefit. Yeah. So, again, this is just these are just recommendations, and I've given some alternatives for it as well, which I'll go through at the end. But this is the you don't have to go ahead with everything. It's it's sectioned out for one, Brandon's Super, two, Your Super, three, Brandon's insurance recommendations, four, your recommendations, four insurances, and it's kinda staged out. So at the end, you can go ahead with with none of it, only the insurances. All of it's it's entirely up to you. Okay? So, yes, absolutely. So I guess I scoped in estate planning because it's whether you get it with somebody we refer over to or somebody else, I'm just recommending that you set up a will and power of attorney, not actually us doing it. You know what I mean? So that's that's the scope of advice just to make sure you're completely protected, especially if we're looking at writing insurances. Right? Scope of advice not considered on page, five. Debt reduction and consolidation. Like you said, you're pretty caught up on the finance owing on the Hilux, Miloxie. You just wanted a bit of advice around reducing the debts and making sure that we can achieve further long, medium, long term goals for your finance, financial needs. I've scoped it out because of the different stages. And, you know, when we last spoke, you said, look. Let's just do the super insurance because it's a complimentary consultation. And you can get this big scary document, essentially, for we draw this up for free. As you can tell, there are a lot of pages, and we draw the stuff up from scratch. We write all this from scratch because we have to tailor it in your best interest, which is in line with you what you what what our discussions were. Okay? So it's kinda like a carpenter building a desk. You know, you pay them for the time that they've done to be able to build a desk as well as the desk. Our desk is this document, pretty much. Yep. So limited advice. This is exactly what I explained before. This is just limiting the advice to what's actually appropriate, which is the super insurance and, again, state planning. But not only that, I'm not a legal practitioner. I couldn't think of anything worse worse than being a legal practitioner. So when it comes to the drafting of wills, power of attorneys, this can be done through a a a person who's legally qualified to do so. I'm not that person. Well, I'm allowed to recommend to do it. Right? Not only that, I am even though I am I've got all the qualifications to be an accountant. This the last paragraph there is just showing, look, I'm a I'm a qualified tax relevant provider under an AFSL, but I it means that I've met the education and training requirements set up by legislation to provide personalized advice on tax, but I am not registered under the tax practitioners board. Even though I'm qualified to do it all, I can't do tax returns or batch returns because I couldn't think of anything worse than doing that other than being a lawyer. Exactly. You know, there's there's there's not enough money, and quite frankly, it is mind numbing stuff. So so I'm more the investment side of things and just overall strategy. So, yeah, that that's just how I plan. I can give advice on tax, any tax or business, personal, commercial, what you know, whatever it is, especially more importantly ways to mitigate it. But I'm not gonna do that tax return for you. Okay? Beautiful. That just outlines limit of advice. The the next couple pages are just the about you sections. It's just a skim over registered nurse, Brandon's the Brandon's the excavator operator, you know, your your details. Next page up to that's your assets and liabilities. I'm and I'm I'm I'm just going through this to get to the most important parts because I'm conscious of time as well. But your PPR, your assets and liabilities, so your primary place of residence as well as your motor vehicle and the loans involved, current superannuations, insurance held in both of them. Page nine. Next page after that is your risk protection portfolio. So, Brendan, see, boss, you know, you're looking at 208,000 worth of life cover as well as a $156,000 worth of TPD, no income protection. Yourself, you've got a fairly good policy because of the health benefits, you know, being being the registered nurse here. You're looking at being with KeySuper, $733.72. With that, you've got that covers you for that you pay $733.72 per annum out of your super, but it covers you for life and total permanent disability of $359,323 for each. And you've also got income protection that covers you for $6,396 per month. That's before tax because income protection is essentially you know, it's essentially a income stream. So you gotta pay income tax on it when you receive it, but it's 12.75% contribution benefit. So that goes into your that goes into your super. Okay? The thing you wanna look at is your waiting period and benefit period. Have you ever looked into that? Or well well, not particularly. It's no. So so when you get a benefit period, I'm more worried about the waiting period. So you you only get paid a month after the claim has passed this waiting period. So you gotta wait a hundred and twenty days, which is essentially four months before you actually get paid. So how income protection works is if you go I break my femur, no. I break a leg, and I'm off work for three months, let's say. And then after three months, usually, it takes about that time to break a serious, like, leg or something like that. If you were off work because of injury because of breaking your leg three months and then you go back to work ninety days later, you will not be paid at all because you got yeah. Yeah. Your waiting period is ninety days. Right? So that's important, especially for yourself, especially considering, you know, your the your your income in comparison. Okay? So, you know, my question to you is well, I already asked this, but is the thing to think about is insurances are a necessary evil, and the least amount you you can get covered for to suit your needs, the better because you gotta pay premiums for it. Right? So when you're looking at paying for those premiums, which is that income protection, if you were to claim on it for something as significant as a broken femur, which is about three months, that's the biggest part in your body as you know, You know, will you be paid for that time? The answer is no. So what are you paying for? K. So that's the one I was looking at. But if you're looking at actually going through and you can't work because of injury illness for, let's say, two years, right, Then you'll be paid on the fourth month. You'll get paid after your nine day waiting period. On the four thirty days after that, you'll get paid for that first month. Right? Because it's in arrears. But then let's just say you don't go back after two years off because of injury or illness. In your line of work, it's it's kind of on the borderline, but I'll say three to five years is kind of more appropriate. But if you weren't able to go back let's say five years because that's my recommendation. If you weren't able to go back to work because of injury or illness after five years, then you probably won't go back to work at all. Right? It's it's a very likely chance that you would never go back to work because five years is a long time of not being able to return. So, therefore, it sounds like you you've got a very likely case of being totally permanently disabled. Correct? Yeah. Yeah. I don't know. Because they maybe just wanna kinda take your take your money. I'm not so sure. Yeah. Correct. So yeah. No. So you can actually access Super at age 60. Yeah. So but but you get the concept. So that's that's what that's what that they that's how they kind of work together, and this is what you currently got. But my my the next thing we look at is, well, does it suit your needs? Because being underinsured is just as bad as being overinsured. You're underinsured. You're paying all this money for coverage that doesn't really meet your needs. So what's the point in paying for it at all? And just the same on the other side of the scale is if you're over insured, then, you know, you're paying extra premiums for money that you might not claim on. So what's the point? You need to kinda bring it down. Right? So if something like that were to occur and you were to go on a TPD claim, then would $359,323 be enough to cover your needs? And from a needs analysis that I'll walk you through in a second, the answer's no. Not even close. Right? So so that's the the the next kind of life insurance in the same amount. And if you were to claim on that, I'm pretty sure you wouldn't really care that much because you'd be dead. Right? So that's kind of how they work together. So that that's just what you got now. In terms of risk profile, you came out as a high growth investor. You both of you came out as high growth investors. But more importantly, if you go down to page 12, this is a super recommendation. Let's skip past that because I'll come back to that. So if you can just skip down to page let's go to the crux of it. Page 18. This is for Brandon. Did you want me to go to your comparison or start with Brandon's? Or let's start with yours because yours is a prettier, fluffier number. So if we go down to page, as you can tell there there is a lot. No. Page 27. Okay. So like I said, it's it's interesting because I recommended a super fund. It's not in a super fund market. It's a retail fund. It's called hub twenty four. The only reason there there's hundreds of super funds out there. It doesn't really matter what the super fund is. It will really matters is what the investments are that you can get invested into within the fund itself because that's the thing that's making your money grow. Right? So you what I mean by that is in q super, q super is just super just the trust that's holding the funds and making all the rules. They aren't the thing that actually makes your money grow. What it is is the investment that you are currently invested into, and that is that my super growth. Right? That's that investment option. So you'd see it on your statements. That's yeah. I can actually probably bring it up, to be fair. I've got I have now yours. Now I've got Brandon's open. The exact investment that you have where are you? There you are. Is I believe it's my super growth. Here you go. Now you're a 100% high growth. Yep. So you must see when you've rolled into that managed fund, that high growth fund, what is actually quite interesting is it's actually not a high growth fund. It's actually a growth fund, which is about 85% invested into the market. High growth funds are 90 to 95 90 to 98% in this sense of market, but that's a little bit more technicality. If we're looking at this table, this is the current this is the breakdown of the fees, contributions, insurance premiums, as well as total costs, and what the I did I did a five year rolling average. The reason why I did a five year rolling average is because one, it's the lowest figure for us so that I can try and do use a lower amount to try and exceed your kind of the outcome rather than give you a big fluffy number now, probably not quite reach it. And I think five years is a pretty good time horizon if you're looking at an average every year. K? So if I were to look at your q super, you got a $108,590 in there. The administration fees per annum is a $188, right, per annum, But the investment fee for that high growth investment with the amount of funds you have in there is $608 a year. And we call this an ICR, an indirect cost ratio. Whenever you think of acronyms in finance, just think fees. I don't know if it was some some bankers or something back in the eighties. They must have just said, well, you know, clients are switching on to fees being fees, so let's try and hide them in weird convoluted ways so we can still charge fees and hide them. So when you when you see ICR or MER, which is management expense ratio, those, at the end of the day, are all fees. So for the q super product itself platform to be invested in that super fund, it costs you a $188, but that high growth investment option, there's manage fund managers behind that as well that get that get wanna get paid. Does that does that make sense? Yep. So that's $608 a year for your balance. The reason why I'm recommending hub twenty four is because it's essentially is $87 cheaper or oh, 87. That's not $87. It's a lot more than $87. I don't know why. Yeah. I don't know. It should be yeah. Yeah. It should be. I'm missing a one there. I'm missing a one. Oh, no. So we're we're yeah. We've got to type those numbers into the actual document, but all the calculations was put through a calculator. So they definitely so the calculations are correct, but let's just work that out. 608608Minus 411. Yeah. It's actually 197. I'm not too sure why it's retired '87 in there, but it's a 190. It even makes it better, but it's a 100 and was that a 190? Yeah. Those calculations are really strange. So but it's a $197 cheaper in investment fees, which is crazy for an investment cost. Let me just let me just double I'm gonna I'm gonna double check that and send that out again. But either way, you yeah. It's it's for hub twenty four, it's significantly cheaper. Looks like the kind of line just shifted over weirdly enough, but it's significantly cheaper for yep. Yikes. Exactly. That's why I'm looking at going, hold on. What's going on? Because so when we do the when we do the calculations, we use a program called xPlan or Iris xPlan, as well as Chartwest to actually dive kind of deep deep dive into the funds themselves. Okay. Were you were you listening? Sorry. So so when we look at in searching these the the figures into these tables, we use an we use a third party software called Iris xPlan as well as Chartwest. It's kinda like a Bloomberg. Have you ever heard of Bloomberg? Okay. So it's it's just means that we can actually plug in the information and pull the data from a fee perspective as well as returns perspective from a different software so that we can insert it in and then compare the two. Okay? So and I've actually bringing it up now. So let's just make sure that that that is correct because I don't I don't like that at all. And that is entirely my fault. I do apologize. I've got the figures here, and you know what? That is my bad. I must have pulled it from the wrong side or something because to give you an idea, the QSuper fees are correct, but that 20 fours I don't know what happened. The 410 so the difference in fees I know what happened. Let me let me send you through I can send you through an email. But just to give you an idea, the admin fee for Hub twenty four is more expensive. So it's $598 a year because it's a much more comprehensive fund. You can invest all the way down to direct shares and equities, and there's thousands of different investments. You can invest in, yeah, international direct shares as well. So it means you got a larger array of investment options, but the investment fee, looking at your platform, is a $197 a year instead of 608. So that means so the to to answer your question, that negative four ten is the difference in administration fee of q super versus hub 24. So it's $410 more expensive a year for hub 24 in an administration cost, but the investment portfolio that I've created for you, which is on the next couple of pages, is a $197 a year. So that's $411 cheaper per year. So you're saving a dollar every year for for a essentially, a product that is giving you a 11.55% return, being able to invest in way more investments compared to a 8.77% return per annum. But I'd like to point out what is more important, especially in your case, is, again, those figures because the table shifted over. Your insurance premiums that I'm recommending between seven because you're currently paying essentially $734 a year or $733.72 a year for your insurances out of your super. The recommendation for your insurance premiums, if we go down a little bit and if you skip to page I'll go to your insurance, and I'll show you how we calculated it as well. It's it's pretty up there for both of you. So if you wanna skip to page 43, your yeah. Your insurances the the cheapest product I could find was with a product called ClearView. Have you ever heard of ClearView? Okay. So there's there's different insurers out there. We only in we only recommend investment grade products for investments, which is a if you wanna get technical, triple a, and or a and above. But when it comes to insurance companies, we only have a select a selected number of insurers on our approved product list called ABL. And the reason for that is because if we're recommending insurance cover for for clients, we wanna make sure that it's with the company that's got enough money to pay you and not going bust anytime soon. Right? Which is very important. So on our approved product list, we've got, you know, big big insurance companies such as TAL, Clearview, OnePath, which is Zurich. Have you ever seen Zurich, the big blue Zurich in capital n letters? Or you probably would have been in the health industry now. Have you ever met life? Anyone any of those guys or been in the occupation you're in? No. That's okay. So ClearView is it's probably the biggest insurance company in Australia. They're the one that's closest, t a l, tal, t a l, the capital three green letters. The this Australian Life stands for. But, yeah, they they're massive, massive companies, and Clearview actually ended up not being the most comprehensive in terms of racing, but the cheapest for you. Now it is a lot when I say when I say cheap, it's a lot more expensive than what you're paying now, and the reason for that is because we're recommending a lot more cover. Okay? We're recommending $1,500,000 worth of life cover and the same for TPD that's linked. But if you look at your income protection, it's $6,417 per month, and I'm gonna cover you all the way up to age 65. So if you were to claim on this and you weren't able to return back to work for any any reason because of injury and illness, then this will carry on paying you all the way up to age 65. But more importantly, the waiting period is thirty days. So same scenario, broken leg, you off work for three months, two months, other three months, you'll get paid 70% of your income, which is that $6,417 a month. Okay? Okay. Now the next question is you're looking at a big number, 1,500,000, because the overall premium that will be charged out of your super fund is $3,710.71 per annum. K? And every year that you get older, that increases because you get riskier to an insurance company. So it does get more expensive. For that reason, I've also done a a recommendation of trauma, which you pay out of pocket. This covers child trauma. So that's just I did a one year's worth of income to a 110,000. And it's linked life because it actually, funnily enough, makes it cheaper to get an extra $110,000 worth of life cover in your personal name and link on trauma as a link benefit. It made it made it $22 a month, something to consider. But what I really wanted to kinda show you is if you go down on this recommendation on page 47, I wanna show you how we calculated those numbers. Okay. So have you can you see that needs analysis table? Cool. So, again, shout out if you have any questions. But looking at this table you're looking at, let's go with life cover. So life, if you were to pass away, I'd assume you want the mortgage paid off and debts. Right? Perfect. So that's at 547,000. After that, there's funeral expenditure, which is $20,000. We put in there for funeral expenditure. Obviously, it's not included in TPD because if you were totally permanently disabled, you're not dead, and you won't need a funeral. Okay? So that's that's the reason why it's not in there. But then there's a cost of living replacement of income. So we do this by either five years, seven and a half years, or ten years depending on how many dependents you have. And you've got the maximum dependents and for their age, your age and stage, we do it by ten years of replacement of income. And the reason for that is because there's about five three to five years worth of what we call grief payment. So, essentially, if you're not there physically, then at least you're there financially, whether you be TPD'd or you pass away for Brendan for ten years. So it gives him the opportunity to, you know, take a morning period of whatever however long that takes to, you know, take some time of working, not have to worry about the bills, have no mortgage, and still not and still look after the family and the kids, right, if you weren't there. Does that make sense? Or yeah. And then even if it's five years with morning period, the extra five years, there's an opportunity to still look after the kids, do everything that, you know, he he needs to do. But if he doesn't wanna continue in the line of work or career he's in, then he can go to university or, you know, start an operation, and buy his own excavator and write his own start his own business or whatever it might be. It gives him options. So, again, if you're not there physically, you can be there financially still as if nothing were changed. Does that make sense? For ten years. Correct. Okay? And, again, we do it for ten years. I can do a calculation all the way up to the age of 60 when he reaches a time to actually access super. But that means that your yeah. But that that means that your lump sum benefit, the insurance short amount that you need is gonna be upwards of $5,000,000, and the premium on that's, like, $10,000 a year, if if not more. So, again, it's about balancing this what you're paying versus what you can get. Because if you don't claim and none of this happens, then you've just paid $10,000 plus a year for something you don't or nothing. Okay? So it's really important to try and balance the it's a very much balancing act to make sure that you cover enough. Right? Then what we do is we actually we wanna try and get the cover amount of sum insured as low as possible. So what we do is we take off your superannuation, which is a $108,590 at the moment. Because if you were to pass away or get TPD, your super is gonna get paid out to your beneficiary or yourself if you TPD. Right? So if you've already got a $108,000 in there, then why do you need to pay premiums on it? Because you can reduce that from the amount that you need to be insured by. Right? Because that's an asset. Does that make sense? Yeah. Beautiful. So that means that your life insurance, the amount you need right now, so you're essentially, what your life's worth is more but as it sounds, is $1,558,410. That is what your life is worth. Okay? So your TPD is obviously the same number minus $20,000 because you that's the funeral expenditure. Income protection is 70% at most in Australia for of your income, which is at $6,417 a month. And then you look at trauma. Trauma cover, I just I just did one year worth of cost of replacement of living. This, you've got to pay out of your back pocket, which is, again, you know, we'll skip back up again. But that covers things like the three the three big ones. The big three are cancer, cardiovascular disease, or heart attacks is a big one, as well as strokes or TIA's, things like that. So that's usually, I like to go with just everything paid out of the as superannuation so it doesn't affect your cash flow, especially for a young, struggling family. But it's definitely something that you should consider because it's one of the highest claimed upon after income protection. Because we're in Australia. You know? Accounts is a big thing. Exactly. So it's definitely something that you wanna consider. I want I did that recommendation in there so that you can at least, you know, get an idea of what it looks like and what the cost would be. Okay? So does that make sense about how we calculate these numbers? We don't just pull them out of the mail. We actually work out what you need. Beautiful. Any questions? Great question. Yes. We revise this every twelve months because every twelve months, you your super's grown. Your asset your asset worth net pool has kinda grown in value, and you paid your mortgages down. Right? So the whole point is to be self insured. Because if you had $1,500,000 in cash with your current situation, then you wouldn't need to pay some other bloke a premium every year, 3,000, $4,000 a year to cover your needs because you'd be able to cover them yourself. That's the ultimate outcome. That's what we wanna get to. But because you can't cover it yourself, we cover this. But to answer your question, I don't add on any investment properties or any investment debt. And the reason for that is because this is worst case scenario. Exactly. So if you if you're if you're in a position to have yeah. If you're in a position that's exactly right. If you're in a position to have a benefit of having an investment property as well as your own, then if the worst were to happen, you can just sell the the your partner, you know, widower, if you would, could just sell the investment property and be left with some equity. Or if you're in a fortunate enough position, have multiple investment properties that are actually bringing you positive gearing, and then you, you know, you essentially have after all the rents, rates, fees, all the the deductions and everything, every year, you can have an investment portfolio of properties that brings in income of $6,417 a month. Because then you don't need to pay for an income protection because you can cover it yourself. That's the plan. That's the goal. That's the overall goal. That's that's that's what we wanna get to. Right? So, no, we don't increase it. We do review your insurances comprehensively every twelve months because I'm not a fan of insurance. It's a necessary evil. That's why I wanted to give you a recommendation on your superannuation as well. Because if we're increasing the amount of cover you need and therefore the the price you're paying for it, then we wanna make sure that's not easy to wait your superannuation so that you don't end up if you don't, the worst thing that can happen essentially is you pay all these premiums for this cover, but you don't get enough return or contributions to get to the end of, you know, your working life, let's say, age 60 to retire because you can access super then, and you're left with no super, and you haven't made an insurance claim because you've spent it all in premiums, and nothing's happened to you. Because then you're left with nothing and no refund policy. Yeah. You know what I mean? So it's really important to balance that out. And like I like I said before, we review this really, really thoroughly every 12 months. And if you just just so you're aware, if you go down a little bit from the the next so we outline why this is in your best interest and what needs analysis looks like for yourself on page 47. 48, count it continues and why we're looking at what we're looking at. If we go on to your outcomes, the every strategy's got the what we're doing, why it's in your best interest, how we've calculated it, the outcomes, which includes advantages and disadvantages, as you can see on page 49. And there there's a lot of them. And the risks included in all of this example, maybe you don't claim, and then you don't get a refund of all the insurance premiums. You know? There's we take all that into consideration. And then if you go all the way down to page, you know, page 53, those are some alternatives we considered as well. So every strategy including super and Brandon's insurance recommendations has all of these. So I'll let you read in your own time, but this is just from a compliance point of view. We have to put these in in writing so that you can understand why we recommended what we recommended. Okay? K. So that's your insurance recommendations to cover your needs. Now if we go back up to page page 44 oh, sorry. 43, we can look at what we're recommending and why we recommend now it gives you an understanding of why we need to recommend that amount of cover for what we're recommending. Does that all kind of and you see how it all works together? So this is where I wanted to bring up the benefit period of your income protection and your total permanent disability. So remember you said you no one explained how it works? We are recommending I can drop it down to about five year benefit, but I'm recommending age 65 because if you weren't able to work because of injury or illness for more than, say, five years, then you're probably never gonna go back to work again. Correct? So at five years, we can well, even less than that. If it's if it's a severe case, then what we'll do is we'll not only do an income protection claim, we can also do an a TPD claim. And what will happen is we would get paid you would get a continuous income all the way up to age 65 of 70% of your income, which is $6,417 every month all the way up. But not only that, you'd also get $1,500,000 paid out in in a total permanent disability claim, which means the mortgage is gone, and you still have about, you know, somewhere around a million dollars left to go to funder to be able to facilitate the premium period if, you know, Rennon didn't wanna work or you wanted to build up some investments so that you can be in a position to continue on a your your lifestyle, especially if you if you can't go back to work or injury illness or you, you know, paralyzed, something along those lines. Usually, when we do insurance policy claims, it's pretty severe, especially in the TPD realm. I can tell you some horror stories, but I don't think we have time because you you've got kids too. The the the next page, just to just to touch on the Clearview trauma policy, see it's life cover with trauma and linked. So it's a life policy for a 110,000, one year worth of income, gross, but I've linked on trauma. And the series is a standalone versus linked. Can you see that on page 44? Yep. So that means that your trauma policy is linked to your life cover. And, essentially, what that means is the reason why we do that is because it makes it cheaper. Some yes. Right. Yeah. Correct. Exactly. A month. Yeah. $22.04. But you the thing is you gotta pay for it out of your back pocket because of the ownership of the cover. You know? The the the the technically, the life and total permanent disability and income protection, if we cover it and get it pay and we get it paid by super, technically, the policy owner is the super fund trustee. You're the life insured. So if you have a heart attack and you get a lump sum payout because it's post tax, you gotta own it yourself. So that's the only reason why it's paid out of super. Okay? And more what's what's what's interesting as well is we actually got your cover even though you need to be covered for a little bit more than 1.5 mil, we dropped down to 1.5 mil because you get a discount. So at 500,000, 750,000, 1,000,000, and 1,500,000 and 2,000,000, you get a discount on the premium. So what I mean by that is yes. We but if what I mean by that is, let's just say you need cover for 1,390,000. Right? More often than not, if you look at doing the exact same quote and you bump that life and TPD cover up to 1,500,000, you actually have a cheaper no. Yeah. Well, you get a cheaper premium sometimes. Yeah. Yeah. So you get it's just like a incentive to kind of get more cover and just part to be competitive. Somebody somewhere along the way, an insurance company did it. But ever all insurance companies do it now. You find the most benefit close to a million. So if you need to be covered for 922,000, I think it is, is round about the average point. It's actually the same amount of premium that you gotta pay every year for a million dollars worth of cover. So you must okay. Couple for the extra $80. Alright? Yeah. So that's just a little bit of insight. But, again, it is expensive. It's gonna be $3,710.71 per annum. And, again, we try and and it increases it over time. Every year as the policy comes to renewal because you get a year old and it gets you get more risky. So what we do is we try and reduce the sum insured to in line with your needs to reduce that premium down to keep it around about the same every year. K. Do you have any questions, concerns, or anything before I move back to Brendan's? Or yep. Yep. Absolutely. So I'm glad you brought that up because I can definitely do quotes for two years, five years, age two age 60, and two age 65. So this is this is where it goes. This is where it comes back to what it means in your superannuation because your super is paying for it. K? So what it looks like is to get the full beans, the full comprehensive cover, all the way up to age 65 with no mortgage and extra cover for the TPD if that were to occur, then, yeah, absolutely, it can be five years. But if you get a TPD payout and pay your mortgage off, it would be beneficial to have, you know, ongoing monthly revenue or income all the way up to 65 when the reason why we put it to 65 is what we call the full beans is because that's when you start accessing your government pension. So you essentially have income every month coming in and then to a point where you can get fortnightly Social Security benefits as well. So that's that's what the cover is for. The reason why I wanted to give you the total amount all the way up to age 65 is because of your, again, superannuation. So if you wanna go to page page 27 for me. Let's go back to that fee comparison table. I wanna show you the benefits of having all the cover. But to drop it to five years, that's gonna reduce the premium down to the $2.5 kind of region. So I'll make it cheaper. Oh, sorry. Page 27. Mhmm. So this is the fee comparison between your q super and hub 24. We went through that before, obviously. But what I'm trying to do is if you go to the next page. This is what the I did a five year benefit. Oh, sorry. A five year outcome. Okay. So five year outcome, and then I did to age 60, when you can access super, and you indicated by that age you wanted to retire on that, I believe, a thousand dollars a month. Oh, sorry. A thousand dollars a week with no debt. Do you remember that conversation? No. That's okay. So when we when we had our initial consultation, you one of the one of the questions that I I asked was when you get to retirement and you both decide to hang up your boots, what does that look like? What when do you wanna retire? And on how much per week if you had no mortgage, no debts, what what would that look like? And we kinda came to the number of $1,000 a week or $52,000 a year. So a thousand dollars a week to be able to it's about three overseas holidays a year. The kids have moved out. That's what we kind of determined would be a suitable income per week to be able to live on. Right? Do you remember that? Or Sort of. Okay. Just for yourself and Brandon? Just well, I did it for both of you, but you both combined with these projections, you actually exceeded you get you get a thousand for each of you. But, yeah, I did I wanted to work towards the number of a thousand dollars per week and have a certain balance to be able to achieve that on a certain return. Because if you add a 1,000,000 to so the numbers I was working with was with everything included, can we guess your superannuations to a position where you can essentially with cover of insurance the whole way through to cover your needs and hopefully, eventually, bring it reduce it down to nothing. But to cover your needs where we can have a balance of $4,000 a week to live on to be fully financially free. If you have a thousand dollars a week, there's fifty two weeks in a year. That's $52,000 in a year. So the number if you were to get a 5% return on a balance of $1,040,000, that would be $52,000 in a year. Right? And I use 5% because that's a little bit over cash after inflation and fees and whatever. Very achievable. Right? So if you had $1,040,000 in your super balance, by the time we get there, and hopefully by then, no debts, So you cancel your insurances. You don't need them anymore. But if you had $1,040,000 and it grew by 5% in one year, net of fees, net of everything, then you would have 50 you would have 52 it'll grow by $52,000. You pull that out, withdraw it from super tax free to be able to live on, you'd be you'd be left after a year with the same balance that you started with. So, essentially, you're living on interest. That is that is full financial freedom. That's the number I was working with. With. Okay. Okay. Alright. Sorry. We're talking so we were talking about insurances, but now I'm talking about the financial planning perspective of trying to get you to what you need to retire on with including these increase of insurances. Because the insurances that we're increasing and buy to to suit your needs is very expensive. It's it's comprehensive cover, and because it's covering you for significantly more, you pay more premiums. So if so if you're covered for that extra cover and therefore higher premiums per annum, then are we going to be in a position where you'd still be able to retire on what you would like to retire on? Does that make sense? Or Mhmm. Yep. Exactly. Exactly. And then well well, no. Because if you see the second line, it says lump sum by age 60. So thirty two years. You see that number? So that is the number I'm looking at because you can't this has only got to do with superannuation and insurances that'll be paid from superannuation. So when I'm looking at covering you for insurances, but getting your super to pay for it, I wanna know the effects of what your suit that looks like for your superannuation. So if you got if you left everything as is with q super, but have cover that you're paying since you're on page 27, you're paying $734 a year for that current insurance. That's your current situation. Right? Can you see that? That's $34. Correct. Okay? And that's that's the fees that you're paying for the super fund itself, and that's the growth that you've achieved in that high growth investments over the last five years. So from from the July 31, go back five years, and you look at the overall return and then you average it up per annum, you've essentially got a return of 8.77% every year per annum. So if we look at that outcome with the cover that you're under insured by, as we did worked out by your needs analysis, if you carried on ticking along, if something were to happen, then you wouldn't you're not insured for enough to actually cover your needs. So that's the first thing we identified. Next, we go, alright. Well, if you were to continue, just leave everything as is. And after I did a five year comparison because well, five year projection because I'm doing a five year rolling average, so five years back, what does it look like in another five years based on those numbers? And what the effects of higher insurance premiums would look like based on our recommendation. But then not only that, you can only access super by age 60. You can't you can't access it sooner. Right? So by age 60, what does it look like if you were to leave everything as is? So when you get there with your current insurance, you would end up with $1,516,113 based on those numbers, net of fees. That's the that was that's what your super balance would be. Right? And that that's more, essentially, than the 1,040,000 that we wanted to try and get to. So does that kind of does that give you an idea of what I was trying to explain before, or does that make sense? No. That's okay. That's alright. That's that's that's the point of this conversation. So, essentially, if we use the same logic on, let's say, a 5% return net because we wanna reduce risk as much as possible when you get to retirement. Because if our GFC two point o hits, then I don't want you to be invested in any shares. I only want you to be invested in bonds, you know, really safe, safer assets. So if you're looking at the same logic, a 5% return on $1,516,113 times that five a 5% return, that's essentially $75,805.65 in a year. So you can have an income of $75,800 per annum, like, as if you were working, but you're retired. And you can you can have that you can pull that out of super tax free and after every year on a 5% return and still be left with the exact same 1,516,113. Yeah. Does that make sense? So you're living on interest. That that's free money. I'm glad. That is that is a great question. I can't you nailed that one. And the answer is, yes. We do take inflate no. The answer is yes. So we do take inflation to account in the calculations. We're projecting this forward. We take 3% inflation into accounts. It's not quite at 3% at the moment. It's a little bit higher than that. But the RBA's inflates, like, cash rated one they wanted inflation and cash rate to be somewhere around the two to 3%. So most calculation like, in MoneySmart budget calculator, they'd use inflation of two and a half percent every year. We use 3% just to be safe. So if that's $11,000,001,500,000 or $1,516,113 by the age of 60 is in tomorrow's dollars. Does that make sense? So that's gonna be the value of that much as if it was today's dollars but in the future. So we take inflation into account. Yeah. Yeah. It's in tomorrow's dollars because tomorrow's dollar is not the same dollar as today. So we we we factor that in exact that's in tomorrow's dollars. Yep. So by the time you get to in a way, in today's dollars, correct. So by the time you get to age 60 in a thirty two years' time, you the same 1,500,000 that would be worth today is gonna be the same then as well because we take inflation into account. Correct. Does that does that kinda make sense? Sort of. So if you however much 1,500,000 can buy today, it's gonna be in tomorrow's dollars. It's gonna be the it's whatever you can buy for 1,500,000 in in thirty two years' time, but in those dollars. So we've taken inflation into account by three percent. So if inflation increases by 3% on average every year for thirty two years, that's that's that's factored into, yeah, today's dollars. Okay. I don't think I I don't think I explained that correctly. Yeah. Do do what what did you take from that? How do how how do you see that as? So no. So it's taken 3%. So whatever the calculation is, every year, we've taken off 3% because of inflation. So it's in yeah. So it's it's it's in future dollars. So by the time you get to age 32 oh, sorry. Age 60 in thirty two years, that value then is gonna be worth 3% rolling compounding average of 1,500,000 as today's dollars. So it's gonna be worth 1,500,000 in today's dollars. Does that make more does that make more sense? Or beautiful. But then the question is, well, are you insured for enough for that $734 per annum premium? And the answer's no. So we went through the calculation recommending cover that's gonna cost again, I apologize. It's the difference is $2,977. So that pub 24 column is actually what the difference in fees are. For some reason, the the table shifted left, but I can send you an email with the actual comparison that I'm looking at. The insurance premiums is $3,711 per annum, which is the recommendation that we just went through, the 1,500,000 of life and TPD. Do you remember that? Yep. So for all that cover, comes to $3,711 per annum, approximately, to be exact, $3,710.71, which is about 31% of your super contributions just from working every year. So you still keep 70 or 69% in your super fund growing for retirement. K? So that's important to note. Yeah. So that's that's got so that kinda gives you an idea. We like this this is just just the same page. I'm just giving you an idea of what the outcome and what the effects would be based on an increase of insurance premiums as well as our fees. And you'll see over five years, you're gonna be $12 lower than what you would have been with q super. And the reason for that is because of the upfront fee of the balance. You see how it dropped by $3,300? So if we manage your superannuation and the charge of the statement of advice, it's for it's $4,950 per person. But for a couple, it's 3,300 each. So we reduce that fee down between you, if that makes sense. Because that so that's what that fee is. So with that fee as well as that ongoing advisory, the percentage base, the more money you make, the more money we make. If you lose money, we don't make as much money. So that's the reason why over the shorter term, it's it's it takes a while for that compounding return to really kick in. So it does take a while to kinda catch up, especially with the increase of insurance premiums. But the larger the snowball, the more snow it picks up. So when you're looking at a bus eight years in, that's when it starts really, you know, gaining momentum. And when you're looking at, you know, in fifteen years, you or twenty years' time when the balance is bigger, then you're gonna see or you're gonna see significant compounding return. You get higher returns. That's why it increases over the longer term. So I just wanted to even if we look at super or our super recommendations or not and just go with the insurances, I just wanted to give you an outcome and give you an idea of what our full recommendation would be and why. Because overall, you'll be in the $210,188 better position by a 60 with the Superfund, our investments returns, net of all of our fees. But more importantly you know what I mean? So that's it. That's a mis outcome. But what I've done as well is I've also done a comparison of if we only had the insurance premiums in your existing super fund. I've done that in the appendix as well. So let me know if you wanted to have a look at that, and I can walk you through that too. So, actually, now's a pretty good time. So if you go back to the email and you open up the second document, that is the appendix to the statement of advice. Yep. For some reason, my PDF didn't like me. It says some error. Bookmark not to find in some of them. But if you if you go down to the oh, it says another page numbers. That's right. It's appendix. So after the you go down to the third page. It says risk profile. Can you can you see that? Risk profile. This gives you an idea of what defensive assets versus growth assets risk should look like. So between your investment portfolios with PinSoup because your sup is invested. That's what that high growth investment option is. You go on next page, important relationship information, it continues on the page after that. Investment BDSs, this is the portfolio I'm actually recommending for yourself within that hub twenty four fund. But if you go after that, you'll see investment returns like for like Brandon and investment return like for like Madison. Let's go to yours because we're talking about yours at the moment. And you will see that in the same kind of column, current versus recommended. If you look at current, you'll notice the insurance premium is $3,711. Yep. And that is so this is what would the outcome be if we kept your q super, but only wrote the insurances and got q super to pay for it? What does that look like? Does that make sense? So if we were to cancel the insurances you currently got with q super because we got these new introduced more expensive, more comprehensive, lot higher cover, then what would the outcome be? So after five years, you'd have a 186,000. After ten years, you'd have 290,000. And by age 60, in thirty two years, you'd have 1,268,000. Okay? And then I did did a comparison versus, obviously, the same outcome, the same hub twenty four outcome as before. So if you look for the comparison between two tables, after five years, it's the same $190,827. But because the insurance premiums on a like for like comparison are higher if we just do insurances, it's actually with the same insurance, but within the hub twenty four. You'll save a dollar in fees in terms of administration investment cost, but you will also there'll be $4,000 paid off. Woo hoo. After five years, you'd make the upfront feedback. But, obviously, because you got significantly more insurance premiums to pay. Does I I know there's a lot of numbers, and I know it's kinda hard to follow sometimes, but does that kinda make sense? Or yeah. So not only do we need it from a from a compliance and best interest duty point of view, look at insurances, which is what you're after, because it's gonna be paid through super, I need to kind of assess your super situation as well, if that makes sense, and see if we can see if we can somehow counteract the increase of insurance premiums being paid to be able to still get you a beneficial outcome. That's why we included that recommendation in the actual statement of why isn't it? Does that make sense? Beautiful. Do you have any questions? Correct. So that's the next one. That's the one above yours. Sorry. So if you go back to the statement, keep in mind, these are the insurances the increased between c Bus as well as HUB twenty four. So if you we haven't gone through Brandon's, we've only gone through yours. But with the same concept, this will go a lot quicker because we've already gone through it. So if you go back to the statement of advice, the first attachment, and you go to page you go to page 32. Brandon's got you said you weren't a smoker. Is Brandon there? Nope. No. That's okay. So, Brandon, because he smoked cigarettes in the because he smoked cigarettes recently, No. I understand that. But to an insurer, they do not care at all at all. So, yeah, we have to disclose that. And just to give you an idea, the difference in premium for smoker and not in smoker, this is why I've done the different premiums in different places, is fourth instead of four instead of $2,952, it's gonna cost $4,140.88. So page 32. Yeah. So just to put it in perspective, if you were not a smoker now I wanna point out you can see the life insurance. Well, I'm only covering him for bare bones, which is 490,000, which is your mortgage in debt. Right? The reason why it's so much more expensive for such less so much less cover is because of his occupation. Being the excavator driver instead of a nurse, it's a lot higher risk. I've something going wrong. Yeah. So No. I'm sorry. I mean, mental health probably wise, but you're in a, like, you're in a sanitary environment. You've got strict procedures and policies. As an ex care beta driver, you like you said, you're on the side of a road digging off the said said road on a side of a cliff. Right? So not only that, he actually goes out into the ocean. So those things are all factors. So the way that they the way we that insurance companies calculate price versus risk, the monetary outcome versus the risk that they gotta take and work out a dollar figure behind that is a job called by job done by an actuary. So have you ever heard of somebody called an actuary? Okay. So an actuary is like a a it's a it's a it's a occupation, I guess, if it's a job, and they are very strange people. They're like they're like little hermits that that are mathematicians that live in a cave somewhere. They're just the strangest people you've ever met in your life. Their whole their their job is to essentially work out for the amounts of claims or things going wrong, what are those things that go wrong, and then calculate that risk into a monetary figure so the insurers can work out what how much it will cost to to to for a premium to get paid versus the likelihood of them paying out. Yep. So if you're an astronaut, you probably wouldn't get covered because the risk of something going wrong is way too high for them. Right? But if you are administration's officers sitting at a desk a 100% of the time during the day, then the likelihood of something going wrong is next to nothing. So, you know, for if you were an admin officer, you'd be paying something like $1,100 for the same amount of cover each. Yeah. So it's very, very kind of convoluted and intricate just to give you an idea of how insurance works. There's a lot to it. But, yeah, for your specific occupations, if I were to get the same amount of cover for Brendan for that 1,500,000 for life and TPD, then you'd be looking at you'd be looking at significantly more premiums for the exact same amount of cover. Okay. So so to counteract that, to make sure that his super is still growing by the at the end of the day, I need to make sure that, you know, we we we aren't charging too much. We aren't charging the arm and the leg. So quite literally. That's funny. Not only that, we did a pre assessment, and there may be some exclusions involved because of family history, which is multiple sclerosis. Okay? So this is where yeah. There's there's lots that come into it. So if you were to get MS because of his family history, the insurer wouldn't pay out. No. At the moment, he doesn't have any exclusions on his current cover with CBIZ. But the again, it's you just got given all these insurances. They haven't gone through what's called comprehensive underwriting. So underwriting means that we go through a big long questionnaire, ask you all about your family life, pretty much that pre assessment with a little bit more detail, and then we submit it to the insurance company. Say, hey. We want this person, our client, to be insured. This is how much we want, and this is the cover that they have agreed to and they're happy with. Now these are the questionnaires, and this is their family life, their their personal what we call a personal statement. So you provide a statement saying exactly what's happened to you along the way, whether you've broken any bones, your family history, whether you've had cancer, benign, malignant, and they'll ask all the questions. And then you submit it, and then they come back and they assess the risk. They call underwriters, and they say, right. Well, we're we're happy to give them this appropriate cover, but we won't cover MS because it's family history. And if you're happy, then I'll come back to you and I'll say, look. This is what they've offered. Are you happy with it? If you say yes, then we call the insurer back and say, yep. They're happy with this. They've signed off on it. Let's proceed. And then what they'll do is they'll essentially place that cover in force. And then if anything were to happen, the benefit of that is if anything were to happen down the track, the questions have already been asked. So they have to pay you depending on the outcome. So pretty much everything's covered outside of MS depending on what the insurer says. However, if with the current insurance with Cbus for Brendan, if something were to happen, he would get MS, then he wants to claim on his 100 and something thousand worth of total permanent disability. They would ask the questions then. They would go, alright. Well, can you, you know, do you do you have a family history of multiple sclerosis? Oh, you do. Well, based on that, it's a non it's a nondisclosure. Yeah. Correct. Exactly. So it's very does that kinda does that kinda make sense? What I wanna do is I do wanna update that that document table where it said that the where it was the recommended. The like, it's your do you know where it said negative $4.10 for admin fees? Yeah. For yours. So what I can do is I'll just copy this table here, and I will send it to you because I don't like that it copied over. But when I send it through to you, you'll see that it's just the difference in the actual fees. So I'll just send it through to as to follow-up on that statement of advice email sent through. I'll say reply to all just so you can see what I'm talking about. So I'm so does that does that kinda give you an idea of how the insurances work, why I recommended what I recommended, the the the outcomes and the numbers that we're working with? Or Yeah. To bring the cost down because it's very it's very expensive in his line of work. Yeah. So is that that's why you wanna and because you're the so this is how the the benefits kind of work together. So if Brandon were to not be able to work because of injury illness, you can more than likely do a TPD claim because it would be fairly severe. But if you were to claim on an income protection claim, at least you get two years worth of benefit, And that way, it's not gonna completely blow the bank because the premiums aren't that high. And not only that, his income is lower than yours. So if you were to if you were to not be able to work because of injury illness and you need to go on a claim for, let's say, ten years before you can do something else or, you know, get back to work, whatever it might be, in that kind of example, this mental health is a big one. You know, stress leaves, stuff like that where you get anxiety or depression, something along those lines. It sounds like five to seven years sometimes. So if that were the case and you weren't be able you weren't able to create an income, then you're the one that needs to be covered the most for the most amount of time because you've got the higher wage. Does that does that make sense? Only in trauma because that covers the main payment out of trauma is cancer. Cancer, heart disease. Yep. Sorry. Go on. Great. Great question. Nailing these questions at the moment. I must've no. No. No. These these are this is exactly why we have this conversation. So the answer is only melanomas. If he were to get, say, bowel cancer or something like that, then it's still covered. So it's only got to do with preexisting conditions. So a good example is a back. Right? So your back if you get in if you're in a car crash and something happened, whatever it might be, you fell over or the scooter or escape or something, and you have a bulging disc on your l you don't understand this l four, l five disc. Right? Your lumbar sacral spine. Then if we would do underwriting and get comprehensive insurance for, let's say, myself, then they would exclude the lower spine, so the lumbar spine. However, it's got to do with the preexisting condition. So let's just say, you know, at the time where it ends up sever severing or whatever it's called. I'm not the doctor, the financial planner. But something happens and I become paralyzed from the lumbar sacral spine now. Right? Then I'm not covered because there will be a lumbar sacral spine exclusion. However, if I were to get into another car crash, for example, and I get t boned by a drunk driver and my l four, l five discs completely shatter and they sever whatever the right terminology is and I'm paralyzed from the waist down, I will get paid because it's got nothing to do with my preexisting condition. Does that make sense? Possibly, we would know more once you go through the full underwriting process. So when we go through that insurance application, we would submit it towards the insurer, and I'd probably more than likely be able to let you know. I've been doing this for, you know, pretty much my whole life. So inclusive of the investments, my whole financial scope. But, yeah, we're pretty good at picking things up before we submit it and letting you know what to expect when we get it back. But, yeah, that from the pre assessment, from what we've already disclosed to the insurer, from that questionnaire that you went through with, I believe, matters was after we had the chat. That's that's essentially you finding out what is likely to come back with because we're and that's when we take it to the market. So we get your pre pre assessment of your health conditions as well as what cover you need and your situation, age, and stage, everything. And then we go and we we compare that outcome with a whole bunch of different providers. And that's actually outlined on the statement of advice as well. So if we're looking at Brendan's outcome, if you go down again to after those cover amounts, if you go down to page 34, it tells you about the exclusions. Page 35 is the best interest duty. Page 36 is the needs analysis, so he needs a little bit less cover than you because he's got a little bit less income than you over ten years as well as superannuation. So he might have thought a lot less super. But if you go down all the way through page 38, which is the outcomes, the advantages, and just compared to disadvantages of introducing this new cover, and you go down past risks and go down to page 42, you can see alternatives considered on page 42. Let me know when you're there of the statement advice. So look at the last paragraph. So out of all the insurers that are on the market, because we run RNA for so we have to go we can we compare all of them. Out of all the insurers, the top kind of the top insurers that gave us relevant, like, adequate insurance levels and insurance definitions for Brendan, as well as appropriate price. They all have different pricings because of their definitions and the the the essentially, when when you're looking at insurance policies, you gotta look at these things for definitions. So some insurers have more comprehensive definitions, which means the likelihood of you getting paid is higher, so, therefore, the premium's higher because it's higher risk to insure. So the competitive insurers were Tal, t a l, Australian Life it stands for, Ascender, and Zurich. Okay? So those are the top and along with the recommend recommended cover that we're recommending with the with his current insurance policy with one path is the one we're recommending for him. The one those four insurers came up to be kind of the most the highest rated, the most affordable for his age and stage and occupation. So out of all four of them, the cheapest with the best outcome is essentially one path, and that's why we're recommending to go ahead with one path. On the second attachment in that document in the appendix, it actually gives you a little bit of a rating in comparison to what a c bus insurance looks like as well. And that's oh, the appendices doesn't have a page. It's just kinda like the extras. But if you go to where we were before for the like for like investment returns for yourself. Yeah. Correct. In the appendix. Yeah. No. We're jumping around all over the place. Bear with me. I apologize. Yeah. No. That's alright. I know. But if you wanna go onto that, the appendix pretty much just outlines how investment methodology is there. But after the investment methodology, you'll actually see a comparison for insurance comparing differences. So a like for like for Brendan, and we compared OnePath versus Feebas. We've got all the other research. If you want me to send that through, I'm more than happy to send it through as well. But, essentially, we're just looking at, you know, what's the at a glance, what does one path portfolio and will insurance cover when compared to the existing SeaBus super insurance? Yeah. Correct. So so the the coverage, you've got essentially a 1917% better chance of claiming on life and CPD with one part than you do with CBUS. That's because we ask the questions before the events, essentially. And if you look at, you know, what what these ratings look like, each rating house has a different rating. We use Chartwest for the insurances. It essentially shows you an overall score between the life, the TPD, and the features involved. And, yeah, if you if you go down the list, you can see that essentially, one path is a comprehensive insurance policy for life, CPD, income protection, and trauma. That's got a score of 92, a rating not compared to the rest of the market of 92. It's pretty much the highest you can get. I think Zurich has 94 for his occupation, but it's extremely expensive. So I'd rather save the $2,000 a year premium in case something doesn't go wrong and get one part but still really highly rated product. But if you're looking at the life and the TPD, you're looking at a 42 overall rating between the life and TPD. And if you were to just look at that life and TPD like for liking, you know, rating, it's a comparison of 29 versus six. It says I can go more to what the ratings look like. It says ranked on definition, but just to give you both a snapshot, that's what it looks like. And if you were to look at yours, QSuper's actually got a lot better insurances to CBUS and other industry funds because of the QSuper being in the health and police. You know what I mean? So QSuper's got a much higher rated product, which is 54. But like like we said before, you know, ClearView, if you're looking at that comprehensive cover, there there is an extra 12 points in that, and that's because of the trauma. We recommend trauma. But if you're looking at like for like, you can see it far out performs in terms of the life of GPD and income protection. Does that does that give you more of an idea of what the ration of the the insurance product is? Or perfect. Perfect. Well, that is that's pretty much what our recommendations are. I'm going to send you through an email with the updated table here. I apologize. I don't know why it's spattered out like that. It's just I've been having issues just today. It's just it just so happens to be that today's the day where it decided to not work even with the upload. I don't know why. But as discussed, please see. And what I'll do is I'll make sure that we take down the the odoo sign that I sent out. I don't want you if you wanna proceed with just the insurance or whatever it is, I'll get some time give you some time to obviously consider it and talk between yourselves, think about it, And we can book in time, you know, in a couple days just to have a catch up. Or if you want the weekend, just let me know. But I I wanted to make sure that, obviously, if you are signing something and proceeding with whatever it is you wanna proceed with, then you're signing off on an accurate document. Then but just while I've got you before we book that time in, I'll send this out. Please see below so you can see what I mean by the difference in those numbers. So there we go. So I've just sent Nelson, I've just sent you out that extra bit. So somewhere out there in the etherwebs somewhere, So let me know. Maybe check junk again. If you right clicked on the previous email and moved it to inbox, it shouldn't. It should just go straight to that inbox. But a message has been sent, so the email has been sent. You got it? Beautiful. So if you you open that up and you see the same kind of table. So that same table, if you're looking at it, this is a comparison of 3711. You'll see at the very the difference table over there. So negative 410 and then 41 one, you see. Yeah. No. It shifted over to the left. But if you look at the this is what is this is how the data was supposed to correlate in that table. So, again, I'm gonna update it and resend it out. So I do apologize. For some reason, that that side just shifted over that way and threw the numbers out. I don't know why. Yeah. Yeah. But does that give you a better indication of what it looks like? Beautiful. And, also, if you wanted to look at the appendices, that is that's in the attachment for the like for like comparisons that didn't decide to shift over. Okay. Does that does that, like, it would make a little bit more sense? A lot of those numbers would have thrown you off quite considerably. But in the appendix on the investment returns like for like, you'll see that those numbers are the same there as well, except for, obviously, your current current insurance premiums. So, essentially, the super with insurance recommendation for us, which is HUB24 for both of you, it gives you a it essentially saves you money in administration and investment costs overall. You know, you save $1, and then between the admin fee and investment fee just by investing in in a in a portfolio within hub 24 that essentially gets you 2.78% better return. But if you were to just get Correct. Correct. In administration cost. Yes. Because it's much more comprehensive product. You can with q super if you if you change your investment over to high growth exactly. Exactly. So exactly. So this is where we go to the investment side of things. Exactly. And but but for Brendan's, if you're looking at his, you're looking at a you know, essentially a it's a $87 cheaper for his recommended investment portfolio. However, it's $3 more expensive for the same up 24 accounts. And that's because he's in a core product because it's the it's the grouping discount. So does that is that does that make more sense about what I was trying to explain before? Or Yeah. I'm sorry about that. No. Shift over. Hopefully, that email just gives you a better idea of what I was trying to explain before. Mhmm. Ash, just with you, I'm glad you asked that. So if you look at which which table are you looking at? Are you looking at the email one or in the appendices? Or okay. Okay. So Brendon's like like that if you go down underneath those investment fees, so there's admin fee, investment fee, any other fees, adviser service fee, that's a percentage based compared to, you know, obviously, not paying anything. Then you look at contribution per year. So that contribution per year is the contribution from employment. That's 12% per annum. You get a little bit more, and what's convenient with your line of work, I believe, five years ago or something, you still get the same contribution and elected nomination to kind of salary sacrifice 5% or a little bit more, a little bit less. You still get the same government benefits to whatever fund you wanna go to. Yeah. Yeah. Correct. So it's not just linked to q super. It used to be. Yeah. So it used to be only q super and your line of work, but they the government ended up changing that because I I rightly so, I I seem to agree with that, you know, which I don't agree with the government's decisions half the time more than that. But I do agree that it is your money. You cover 12% of your wage discount to to essentially put towards a retirement fund so that the government doesn't have to pay a pension. Correct. Correct. So you should be able to not lose any benefits by being forced to stay with one super fund that's underperforming, let's say. It's your money. You should be able to get the same benefits and be able to get the same outcome as if you were with that fund or any other fund. That's that 5% voluntary contribution you're already doing. If you do that to help '20 four, you will also get that benefit. Yep. Yep. Now what I wanted to point out as well, those projections in today's dollars for the future, like we explained before, and if you're looking at those contributions and insurance premiums, those contributions are gonna stay the exact set in the calculations of the projections. Again, we try and be as conservative as possible. A good example of this is if you were to look at the statement of advice when you're going through it in your own time. If you go to Brendan's projections, I think it was page 18 or page 19, you'll see a comparison between the returns of c bus versus what we're recommending for him. So in twelve months, three year, five year, and ten year, need neither we didn't have the available kind of data for our ten year time horizons mostly because some of those investments weren't around back then. So it wouldn't give us a d wouldn't give us a relevant outcome. But if you look at the twelve month projection, three year rolling average outcome of this is yeah. Correct. So so I could use a three year projection, but I've got we've got, like within our company, within OPU, it's it's kinda like a it's it's part of our procedures to always use either the lowest or the longest average return, especially if it's the lowest. So if if five year is the lowest and let's say we do have ten year data available data and it's, say, 10%, we would still use the five year data because it's 9.6% on our returns, and we do a like for like comparison compared to whatever fund we're recommending against. Because, again, I would rather give you a a lower number now that we can try and exceed rather than a nice big fluffy number now that we probably won't require reach. So we always use the lowest amount, and that just turns out to be a five year rolling average. That's why there's a five year comparison moving forward into the future, what it looks like, and, you know, the what the effects of those fees would be in the beginning, but then the comparison and the outcome over the full time until you can access the superannuation inclusive of the insurances as well. Does that that that hopefully, it's kind of all coming together because I know there's a lot. Perfect. That's all I wanted to kind of just make sure that you understand. The last thing before I let you go that I wanna work on, do you do you have any questions about I haven't gone through the investments as such, but in our next conversation, I know you're probably a little bit branded now right now. But I'm happy to go through the investments as well. They are different between yourself as well as Brandon because it's just because of the balance. So he's got a lower balance. I don't wanna cost too much on investment costs. You've got a more comprehensive portfolio. Therefore, you get a better outcome. You know, better five year rolling return. Correct. So the last thing I wanna touch on is the fees. So if we scroll all the way down that original document, again, we're more regulated than the pharmaceutical industry. And looking at the documents and everything we have to incorporate into this advice, you can probably understand where I'm coming from now. Right? But if you scroll all the way down past the wills, it's just on page 54. It says, like, establish your beneficiary nominations for the insurances and new funds if you go ahead with them. Page 57, it's a big gap. It's annoying when you do that and convert a Word document to PDF, and it ships everything around. But establish a will, and the benefits, outcomes, disadvantages, advantages, as well as alternatives considered after that. We we also recommend established power of attorney in case something happens to you both. We need to make sure that, one, we know what to do with the way to pay the money to, and two, what to do with it. As on page 61, our ongoing service agreement just in writing on page 63 tells you what we do, that we're not a set and forget strategy. We can do pretty much anything you like. You're paying us, so use us. If you were to come on board, more important information, cooling off periods. But if you go to page 65, this is what we will get paid depending on what you wanna proceed with. Let me know when you're there. Remuneration. Correct. Yep. Essentially, fees. Remuneration fees is what we get remunerated by, how how we get remunerated. This is how we get back. Correct. So for this document, do you remember the stages, the roots, the the branching out, the all the different phases in the fees? So because this statement of advice we charge so it for the super and insurance, I I just throw in, you know, the recommendation of will and power of attorney in there just because it made sense. But with the super insurance, the cost of preparing this document, we do complimentary because we wanna show that we can get you in a better position first and foremost with the increase of insurances. And that's what we've just done. If you were to look at cash on budgeting or leveraging, gearing, and personal investments, then we charge just to write this document, we charge anywhere from $1,650 out of pocket to $2,200 out of pocket. Because you're only focusing on super and insurance, we charge we only charge once you decide to proceed with something. Right? So if you were to proceed with only the insurances, only the insurer will pay us. And they pay us 66% of whatever the premium is of whatever insurance policy we write upfront, which is for yourself for for Brendan, it's gonna be $2,482. We'll get paid that from the insurance company and nothing from you out of your super or out of back pocket. And then we will also get if we go ahead with your ClearView insurance policy, we get paid 66% of that first year premium, which is $3,056. Then there is the insurance company will essentially for the life of the policy, we will get paid 22% of that commission every year, which is, you know, what, $827 on the next page for Brendan's policy and $1,019 for your policy from Clearview every year moving forward for the life of the policy. So that's how we get paid from the insurance company. You don't pay anything out of back pocket, but because we've looked at the insurance and managing the InsideSuper and the recommendation of superannuation, we've calculated these fees into those projection tables as well, like the one I just emailed you. Upfront, again, we charge for an individual client. Once you agree to proceed with if it were the super insurance, then we can charge this fee out of super. For an individual, we charge $4,500 plus GST or $4,950 for this document. But if you're a couple and there's two clients, obviously, we want two lots of funds to grow, so it's more beneficial for everyone. Then we reduce that fee down from essentially $4,950 for one for an individual down to 3,300 per individual, which is reflected in there as well. Does that make sense? Beautiful. I wanna make sure that you understand as well. Within the projection tables that I emailed through, the actual correct one again, sorry. Apologies about it. I don't know why I shipped it across. But the projection tables, that is inclusive where you can see the balance at the top. We've deducted that 3,300 from each of your super funds straight off the bat. And when we'll start with looking at the projections moving forward, that's comparison over five years, ten years, and thirty two years by the age of 60. That is net of all fees, platform fees, insurance premiums, as well as our fees. Okay? So that's an upfront cost, a flat rate of $36,600, 3,300 each for documents if you were to proceed with the super. And then the insurance add in the ongoing percentage based fee is at 1.5% plus GST, and it tears down the higher you grow because it gets pretty outrageous if we charge 1.65% on, you know, your outcome of 1.5 1,700,000 and then you know what I mean? We we we start charging, like, $4,050,000 dollars a year. I wouldn't complain, but it just doesn't seem really reasonable to us. Does that make does that make sense? So, essentially, if you don't go ahead with the super and you only want us to write the insurances to get you covered and your family covered, well, you don't pay us a cent outside of super or out of your back pocket. The insurance company pays us only. But then I also need I also wanna, you know, reflect what that looks like in the appendix if we were to write that cover and just key get your current super fund to pay for it. What what the app what the impact would be. That's that's those tables in the appendices. Cool. Does that all make sense? Do you have any questions? Amazing. I should probably get some dinner, and you guys should probably get some get to dinner too. So I do apologize for the time and the delay. I know we're supposed to kick off at five, but life and puppies and and technology gets in the way. Yeah. Correct. Shit does happen. Exactly right. But, look, the the over remuneration instead of broken down between the implementation and then ongoing, I've done it for each of you. So on the next page and then on the page after that, 69 shows the how to implement our advice if you were to go ahead with everything, step by step guide for who and when all the way down. And then the on page 71 is just essentially showing, look, if you do wanna proceed with everything, then we will just, you know, proceed. But in that little box above the finding area, we can outline, you know, you says, I have chosen to vary the recommendations in the supplies documents. And then we'll write down, look, I only wanna proceed with insurance or whatever it might be. Right? Perfect. Now I know that's a lot to take in. I don't want you to make a decision just yes on what to do moving forward, but Friday is the Gold Coast show day. So what how about this Thursday this week, or would you prefer to catch up just for a chat maybe Monday next week? What do you prefer? Okay. Beautiful. Monday, same time. You guys just okay. Yeah. Yeah. Absolutely. Money never sleeps in my world, and it's it's 08:00 at night. You know, we do this. I do I do, like, maybe five I used to do five to seven of these a day. So, honestly, anytime whenever it suits you. Okay. Well, if Brendan's okay with me to having that discussion with you, if he's if he comes to decision or whatever you guys come to decision on, then we will need to see him send you his ID and, oh, you've already sent through IDs. We're gonna need those. And you've got tax on number. That's all good from an AML point of view. I will need to just ask a question there for again, compliance is everything in our world. So I will need to speak to him, and I will need to get him to sign up on the documents that you would have received. Again, I'm gonna resend them because I wanna update the document with that table shifted. Amazing. I'll give you a call, and if he's okay with that, then I'll give you a call at 09:30 on Monday, thirty first. How does that sound? That's right. Not a problem at all. I apologize for taking my time too. I'll speak to you guys next well, I'll speak to yourself first and next week. Thank you for your patience. I really appreciate it. And, yeah, we'll we'll have a chat then. Alright? Amazing. Enjoy the rest of your night. See you. 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Amazing. Can you please do me a favor? Okay. So in the soft file, I've had to update the SOA.\n\nSo in the soft file, there is a folder called the hold up. Hold up. There is a folder called s zed in Madison, Svanio CEOs folder. There is a in the research working papers s z s o a. Can you please upload go into their go into their OdooSign template.\n\nCan you please upload those two documents for signing and put them at the top? And then put the signatures there and everything and send the whole pack out. I'm just saying that I've had a problem with my portal, which I have. Yeah. I'll stay on yep.\n\nThat's all good. I need that. Hold on. Hold on. Fuck's sakes.\n\nThere's no replacing. I should have already deleted them out. I just need the ones in there. And then please move them to the top. And make sure it's the s zed s o a ones, please.\n\nThe SOA appendix is the top one. Beautiful. Amazing. Please put it on and send it through. I'll start speaking to them now.\n\nThank you. Done. Go. Send just send him through. Thank you.\n\nHey. Hey then, Madison. How are you? That's okay. We've been going back and forth, and then started making funny noises and beep beepiness.\n\nI'm not too sure what's going on. It must be my Internet or something's happening, but the exact same person that you just spoke to, Caden, he is all over, and he was actually uploading everything for us as we speak. So I was just kind of sitting, twiddling my fingers, and just just holding off. So you should receive something fairly soon. Either way, I'm just in the middle of drawing up a email to send that so that it's at some point, you'll receive one of the one of the two so we can go through the recommendations, and we all can get to dinner and everything else.\n\nBeautiful. I do apologize what's going on. Here I am. You know what? I might have to get in touch with Starlink because it might have something to do with that.\n\nAlright. I must firstly I must firstly apologize for Glenn presenting your recommendations this evening as discussed. Please see attached. Look. I'm just gonna send you just something really quick and easy so that we can get into it.\n\nOkay? Amazing. Alright. There is that. And I also attached the appendix.\n\nSo at least you've got it via email, and I'll cc Brendan in as well. And appendix. Amazing. Alright. So I've just sent that out via email.\n\nSo let me know when you have received or sent it to madison_o8@hotmail.com. Yeah. This is so when it comes through for once you kind of move do you you use Hotmail? Obviously, on Gmail, it carries on going to spam or junk until you actually right click and say move to inbox. So it might be the same with Hot Hotmail.\n\nI'm not too sure. Maybe give it a refresh as well. That's okay. It's a fairly large document. Don't be too intimidated by it.\n\nIt's, yeah, it's it's about let's see how many pages. I'll open it up in my mind. About sixty days a month. So I pay you more because dual we call you guys dual clients. So we do not only a recommendation for yourself, we have to do one for each of you.\n\nSo I've done obviously a super recommendation with the inclusion of insurances, but then I can walk you through the insurances, which is the primarily what you're looking for. Right? Yep. Let me know when you got it through. Amazing.\n\nDo you get the email? Which email are you looking at? The sign in one or my one? My one. Beautiful.\n\nOkay. So the first documents, the twenty twenty six zero eight twenty four statement of advice, Brendan Madison, PDF. Beautiful. Okay. So if you open that up, you should be looking at let me just make sure that this is the correct one.\n\nAlright. So are you looking at the front page, which is the, yeah, amazing Gold Coast and all the bits and pieces? Perfect. Alright. So this is essentially called a statement of advice.\n\nIt is a legally binding document, which just pretty much outlines our recommendations in writing. And the main reason why we do all sorts of personalized financial advice by this matter is to make sure that not only you are protected, but we're protected too. You know, if we say we recommend this, but I see and well, you say I recommended something and and I say I didn't. It's all just hearsay. So the government decided to formalize it and make sure that when we're giving advice on, you know, clients' literal future and their lives, We do it as compliantly and formally as possible.\n\nOkay? So this is this is this document. The it is prepared for yourself as well as Brandon Smith on the August 25. It's prepared by myself, Severiano Zata, and my authorized representative number ASIC in the federal government is 1259315. I am licensed under Oakview Financial as an Australian financial services license.\n\nAnd all of our details, including the AFSL license number under ASIC is right there on the front page. Beautiful. Alright. So this next page, let's just skip through page by page. So the next page just outlines this document.\n\nSo this document is exactly what I just discussed. But more importantly, best interest duty, it just outlines what our common law judiciary duty is. So that number that I have, the 1259315, when you do all the degrees and the the professional year and you actually get this kind of number given to you or awarded by ASIC and the federal government. We that's not quite as full on as lawyers where they go to the bar and kind of put their hands up and and put their hand on the bible and things like that. But, yeah, it just gives us the authority to give financial advice.\n\nBut in doing so, we need to make sure that we look after your best interest and nobody else's best interest, including my own. Because if I look after my best interest to get paid or something along those lines or something someone else, next to neighbor, then I will lose that 125 license number, and I'll never be able to practice again. And I'll lose my company. And I like you guys so far, but I don't like you that much. So I won't be doing anything like that.\n\nBut it just outlines in writing what the corporations act outlines as best interest standards and what we need to do to satisfy them. Okay? Beautiful. Now next next page is just table of contents, pretty self explanatory. The page after that is looking at the scope of advice.\n\nNow what we've considered and what we haven't considered in regards to your goals and objectives. Okay? So and just keep in mind, if you have any questions along the way or would like to discuss anything, just don't hesitate to reach out. That's kind of, you know, what what what what this whole conversation's about. Okay?\n\nIt's not one of those things where you hold up till the end. If you wanna ask something, just let me know. Okay? Beautiful. Is Brendan there as well?\n\nThat that's alright. I'll tell you what. We'll just go through step by step because he is first on the documents. But I can go through your recommendations, and then I can just kind of to walk you through Brendan as well. All the whole document, as you said, you kinda look after this side of the things.\n\nSo entirely up to you. Yeah. Beautiful. Yeah. Yeah.\n\nNo. That's alright. Alright. So I'm looking at your scope of advice. What we're considering is superannuation.\n\nThe reason why we're including superannuation is because you had insurances within that superannuation. Like I said, I've done a recommendation of an alternate super fund for both of you. You actually get discounts. So it's the same super fund for both because you get a family kind of discounting, made it cheaper than what you currently have within the industry fund and to get better return as well just for your consideration. But we have to address the super because we're addressing the insurances.\n\nOkay. They kinda go hand in hand. The main reason for that is because of those goals. You want to ensure that your superannuation arrangements are appropriate, especially over the longer term because you're looking at those insurances and the reasons why we scoped it in, which I just explained. But on the next page is your insurance.\n\nOur goals so our priority is to make sure that we and our young family are financially protected if either of us dies become seriously ill or injured, becomes permanently disabled, or unable to work for an extended period of time. We would like to understand the appropriate levels of life and total point of stability, income protection, critical illness cover, which is all of them, taking into consideration our mortgage income and ongoing household expenditure for future needs for our children as well. Does that make sense? Is that kind of we're hitting nail on the head? Is that on the money?\n\nOr yeah. Beautiful. What I've also put in there is estate planning. I know that you said we're in our discussions that you wanted to have a look at some sort of, you know, will, power of attorney, stuff like that. So I thought I might just put something.\n\nOkay. Well, we would have referred you over to a lawyer with the with the kids. So definitely so you you've actually saved on doing this through through those guys for free because the people I refer you over to is pretty comprehensive. It's full on. Digly binding document can can get you know, depending on the complexity, it can get to $10 sometimes.\n\nYou know? With with your guys, or did you want me to refer over? I'll go with the free version, to be honest. Oh, yeah. Absolute.\n\nAbsolute absolutely it is. Yeah. Yeah. Yeah. So, again, this is just just yeah.\n\nCorrect. Absolutely. You do that. You use that to your benefit. Yeah.\n\nSo, again, this is just these are just recommendations, and I've given some alternatives for it as well, which I'll go through at the end. But this is the you don't have to go ahead with everything. It's it's sectioned out for one, Brandon's Super, two, Your Super, three, Brandon's insurance recommendations, four, your recommendations, four insurances, and it's kinda staged out. So at the end, you can go ahead with with none of it, only the insurances. All of it's it's entirely up to you.\n\nOkay? So, yes, absolutely. So I guess I scoped in estate planning because it's whether you get it with somebody we refer over to or somebody else, I'm just recommending that you set up a will and power of attorney, not actually us doing it. You know what I mean? So that's that's the scope of advice just to make sure you're completely protected, especially if we're looking at writing insurances.\n\nRight? Scope of advice not considered on page, five. Debt reduction and consolidation. Like you said, you're pretty caught up on the finance owing on the Hilux, Miloxie. You just wanted a bit of advice around reducing the debts and making sure that we can achieve further long, medium, long term goals for your finance, financial needs.\n\nI've scoped it out because of the different stages. And, you know, when we last spoke, you said, look. Let's just do the super insurance because it's a complimentary consultation. And you can get this big scary document, essentially, for we draw this up for free. As you can tell, there are a lot of pages, and we draw the stuff up from scratch.\n\nWe write all this from scratch because we have to tailor it in your best interest, which is in line with you what you what what our discussions were. Okay? So it's kinda like a carpenter building a desk. You know, you pay them for the time that they've done to be able to build a desk as well as the desk. Our desk is this document, pretty much.\n\nYep. So limited advice. This is exactly what I explained before. This is just limiting the advice to what's actually appropriate, which is the super insurance and, again, state planning. But not only that, I'm not a legal practitioner.\n\nI couldn't think of anything worse worse than being a legal practitioner. So when it comes to the drafting of wills, power of attorneys, this can be done through a a a person who's legally qualified to do so. I'm not that person. Well, I'm allowed to recommend to do it. Right?\n\nNot only that, I am even though I am I've got all the qualifications to be an accountant. This the last paragraph there is just showing, look, I'm a I'm a qualified tax relevant provider under an AFSL, but I it means that I've met the education and training requirements set up by legislation to provide personalized advice on tax, but I am not registered under the tax practitioners board. Even though I'm qualified to do it all, I can't do tax returns or batch returns because I couldn't think of anything worse than doing that other than being a lawyer. Exactly. You know, there's there's there's not enough money, and quite frankly, it is mind numbing stuff.\n\nSo so I'm more the investment side of things and just overall strategy. So, yeah, that that's just how I plan. I can give advice on tax, any tax or business, personal, commercial, what you know, whatever it is, especially more importantly ways to mitigate it. But I'm not gonna do that tax return for you. Okay?\n\nBeautiful. That just outlines limit of advice. The the next couple pages are just the about you sections. It's just a skim over registered nurse, Brandon's the Brandon's the excavator operator, you know, your your details. Next page up to that's your assets and liabilities.\n\nI'm and I'm I'm I'm just going through this to get to the most important parts because I'm conscious of time as well. But your PPR, your assets and liabilities, so your primary place of residence as well as your motor vehicle and the loans involved, current superannuations, insurance held in both of them. Page nine. Next page after that is your risk protection portfolio. So, Brendan, see, boss, you know, you're looking at 208,000 worth of life cover as well as a $156,000 worth of TPD, no income protection.\n\nYourself, you've got a fairly good policy because of the health benefits, you know, being being the registered nurse here. You're looking at being with KeySuper, $733.72. With that, you've got that covers you for that you pay $733.72 per annum out of your super, but it covers you for life and total permanent disability of $359,323 for each. And you've also got income protection that covers you for $6,396 per month. That's before tax because income protection is essentially you know, it's essentially a income stream.\n\nSo you gotta pay income tax on it when you receive it, but it's 12.75% contribution benefit. So that goes into your that goes into your super. Okay? The thing you wanna look at is your waiting period and benefit period. Have you ever looked into that?\n\nOr well well, not particularly. It's no. So so when you get a benefit period, I'm more worried about the waiting period. So you you only get paid a month after the claim has passed this waiting period. So you gotta wait a hundred and twenty days, which is essentially four months before you actually get paid.\n\nSo how income protection works is if you go I break my femur, no. I break a leg, and I'm off work for three months, let's say. And then after three months, usually, it takes about that time to break a serious, like, leg or something like that. If you were off work because of injury because of breaking your leg three months and then you go back to work ninety days later, you will not be paid at all because you got yeah. Yeah.\n\nYour waiting period is ninety days. Right? So that's important, especially for yourself, especially considering, you know, your the your your income in comparison. Okay? So, you know, my question to you is well, I already asked this, but is the thing to think about is insurances are a necessary evil, and the least amount you you can get covered for to suit your needs, the better because you gotta pay premiums for it.\n\nRight? So when you're looking at paying for those premiums, which is that income protection, if you were to claim on it for something as significant as a broken femur, which is about three months, that's the biggest part in your body as you know, You know, will you be paid for that time? The answer is no. So what are you paying for? K.\n\nSo that's the one I was looking at. But if you're looking at actually going through and you can't work because of injury illness for, let's say, two years, right, Then you'll be paid on the fourth month. You'll get paid after your nine day waiting period. On the four thirty days after that, you'll get paid for that first month. Right?\n\nBecause it's in arrears. But then let's just say you don't go back after two years off because of injury or illness. In your line of work, it's it's kind of on the borderline, but I'll say three to five years is kind of more appropriate. But if you weren't able to go back let's say five years because that's my recommendation. If you weren't able to go back to work because of injury or illness after five years, then you probably won't go back to work at all.\n\nRight? It's it's a very likely chance that you would never go back to work because five years is a long time of not being able to return. So, therefore, it sounds like you you've got a very likely case of being totally permanently disabled. Correct? Yeah.\n\nYeah. I don't know. Because they maybe just wanna kinda take your take your money. I'm not so sure. Yeah.\n\nCorrect. So yeah. No. So you can actually access Super at age 60. Yeah.\n\nSo but but you get the concept. So that's that's what that's what that they that's how they kind of work together, and this is what you currently got. But my my the next thing we look at is, well, does it suit your needs? Because being underinsured is just as bad as being overinsured. You're underinsured.\n\nYou're paying all this money for coverage that doesn't really meet your needs. So what's the point in paying for it at all? And just the same on the other side of the scale is if you're over insured, then, you know, you're paying extra premiums for money that you might not claim on. So what's the point? You need to kinda bring it down.\n\nRight? So if something like that were to occur and you were to go on a TPD claim, then would $359,323 be enough to cover your needs? And from a needs analysis that I'll walk you through in a second, the answer's no. Not even close. Right?\n\nSo so that's the the the next kind of life insurance in the same amount. And if you were to claim on that, I'm pretty sure you wouldn't really care that much because you'd be dead. Right? So that's kind of how they work together. So that that's just what you got now.\n\nIn terms of risk profile, you came out as a high growth investor. You both of you came out as high growth investors. But more importantly, if you go down to page 12, this is a super recommendation. Let's skip past that because I'll come back to that. So if you can just skip down to page let's go to the crux of it.\n\nPage 18. This is for Brandon. Did you want me to go to your comparison or start with Brandon's? Or let's start with yours because yours is a prettier, fluffier number. So if we go down to page, as you can tell there there is a lot.\n\nNo. Page 27. Okay. So like I said, it's it's interesting because I recommended a super fund. It's not in a super fund market.\n\nIt's a retail fund. It's called hub twenty four. The only reason there there's hundreds of super funds out there. It doesn't really matter what the super fund is. It will really matters is what the investments are that you can get invested into within the fund itself because that's the thing that's making your money grow.\n\nRight? So you what I mean by that is in q super, q super is just super just the trust that's holding the funds and making all the rules. They aren't the thing that actually makes your money grow. What it is is the investment that you are currently invested into, and that is that my super growth. Right?\n\nThat's that investment option. So you'd see it on your statements. That's yeah. I can actually probably bring it up, to be fair. I've got I have now yours.\n\nNow I've got Brandon's open. The exact investment that you have where are you? There you are. Is I believe it's my super growth. Here you go.\n\nNow you're a 100% high growth. Yep. So you must see when you've rolled into that managed fund, that high growth fund, what is actually quite interesting is it's actually not a high growth fund. It's actually a growth fund, which is about 85% invested into the market. High growth funds are 90 to 95 90 to 98% in this sense of market, but that's a little bit more technicality.\n\nIf we're looking at this table, this is the current this is the breakdown of the fees, contributions, insurance premiums, as well as total costs, and what the I did I did a five year rolling average. The reason why I did a five year rolling average is because one, it's the lowest figure for us so that I can try and do use a lower amount to try and exceed your kind of the outcome rather than give you a big fluffy number now, probably not quite reach it. And I think five years is a pretty good time horizon if you're looking at an average every year. K? So if I were to look at your q super, you got a $108,590 in there.\n\nThe administration fees per annum is a $188, right, per annum, But the investment fee for that high growth investment with the amount of funds you have in there is $608 a year. And we call this an ICR, an indirect cost ratio. Whenever you think of acronyms in finance, just think fees. I don't know if it was some some bankers or something back in the eighties. They must have just said, well, you know, clients are switching on to fees being fees, so let's try and hide them in weird convoluted ways so we can still charge fees and hide them.\n\nSo when you when you see ICR or MER, which is management expense ratio, those, at the end of the day, are all fees. So for the q super product itself platform to be invested in that super fund, it costs you a $188, but that high growth investment option, there's manage fund managers behind that as well that get that get wanna get paid. Does that does that make sense? Yep. So that's $608 a year for your balance.\n\nThe reason why I'm recommending hub twenty four is because it's essentially is $87 cheaper or oh, 87. That's not $87. It's a lot more than $87. I don't know why. Yeah.\n\nI don't know. It should be yeah. Yeah. It should be. I'm missing a one there.\n\nI'm missing a one. Oh, no. So we're we're yeah. We've got to type those numbers into the actual document, but all the calculations was put through a calculator. So they definitely so the calculations are correct, but let's just work that out.\n\n608608Minus 411. Yeah. It's actually 197. I'm not too sure why it's retired '87 in there, but it's a 190. It even makes it better, but it's a 100 and was that a 190?\n\nYeah. Those calculations are really strange. So but it's a $197 cheaper in investment fees, which is crazy for an investment cost. Let me just let me just double I'm gonna I'm gonna double check that and send that out again. But either way, you yeah.\n\nIt's it's for hub twenty four, it's significantly cheaper. Looks like the kind of line just shifted over weirdly enough, but it's significantly cheaper for yep. Yikes. Exactly. That's why I'm looking at going, hold on.\n\nWhat's going on? Because so when we do the when we do the calculations, we use a program called xPlan or Iris xPlan, as well as Chartwest to actually dive kind of deep deep dive into the funds themselves. Okay. Were you were you listening? Sorry.\n\nSo so when we look at in searching these the the figures into these tables, we use an we use a third party software called Iris xPlan as well as Chartwest. It's kinda like a Bloomberg. Have you ever heard of Bloomberg? Okay. So it's it's just means that we can actually plug in the information and pull the data from a fee perspective as well as returns perspective from a different software so that we can insert it in and then compare the two.\n\nOkay? So and I've actually bringing it up now. So let's just make sure that that that is correct because I don't I don't like that at all. And that is entirely my fault. I do apologize.\n\nI've got the figures here, and you know what? That is my bad. I must have pulled it from the wrong side or something because to give you an idea, the QSuper fees are correct, but that 20 fours I don't know what happened. The 410 so the difference in fees I know what happened. Let me let me send you through I can send you through an email.\n\nBut just to give you an idea, the admin fee for Hub twenty four is more expensive. So it's $598 a year because it's a much more comprehensive fund. You can invest all the way down to direct shares and equities, and there's thousands of different investments. You can invest in, yeah, international direct shares as well. So it means you got a larger array of investment options, but the investment fee, looking at your platform, is a $197 a year instead of 608.\n\nSo that means so the to to answer your question, that negative four ten is the difference in administration fee of q super versus hub 24. So it's $410 more expensive a year for hub 24 in an administration cost, but the investment portfolio that I've created for you, which is on the next couple of pages, is a $197 a year. So that's $411 cheaper per year. So you're saving a dollar every year for for a essentially, a product that is giving you a 11.55% return, being able to invest in way more investments compared to a 8.77% return per annum. But I'd like to point out what is more important, especially in your case, is, again, those figures because the table shifted over.\n\nYour insurance premiums that I'm recommending between seven because you're currently paying essentially $734 a year or $733.72 a year for your insurances out of your super. The recommendation for your insurance premiums, if we go down a little bit and if you skip to page I'll go to your insurance, and I'll show you how we calculated it as well. It's it's pretty up there for both of you. So if you wanna skip to page 43, your yeah. Your insurances the the cheapest product I could find was with a product called ClearView.\n\nHave you ever heard of ClearView? Okay. So there's there's different insurers out there. We only in we only recommend investment grade products for investments, which is a if you wanna get technical, triple a, and or a and above. But when it comes to insurance companies, we only have a select a selected number of insurers on our approved product list called ABL.\n\nAnd the reason for that is because if we're recommending insurance cover for for clients, we wanna make sure that it's with the company that's got enough money to pay you and not going bust anytime soon. Right? Which is very important. So on our approved product list, we've got, you know, big big insurance companies such as TAL, Clearview, OnePath, which is Zurich. Have you ever seen Zurich, the big blue Zurich in capital n letters?\n\nOr you probably would have been in the health industry now. Have you ever met life? Anyone any of those guys or been in the occupation you're in? No. That's okay.\n\nSo ClearView is it's probably the biggest insurance company in Australia. They're the one that's closest, t a l, tal, t a l, the capital three green letters. The this Australian Life stands for. But, yeah, they they're massive, massive companies, and Clearview actually ended up not being the most comprehensive in terms of racing, but the cheapest for you. Now it is a lot when I say when I say cheap, it's a lot more expensive than what you're paying now, and the reason for that is because we're recommending a lot more cover.\n\nOkay? We're recommending $1,500,000 worth of life cover and the same for TPD that's linked. But if you look at your income protection, it's $6,417 per month, and I'm gonna cover you all the way up to age 65. So if you were to claim on this and you weren't able to return back to work for any any reason because of injury and illness, then this will carry on paying you all the way up to age 65. But more importantly, the waiting period is thirty days.\n\nSo same scenario, broken leg, you off work for three months, two months, other three months, you'll get paid 70% of your income, which is that $6,417 a month. Okay? Okay. Now the next question is you're looking at a big number, 1,500,000, because the overall premium that will be charged out of your super fund is $3,710.71 per annum. K?\n\nAnd every year that you get older, that increases because you get riskier to an insurance company. So it does get more expensive. For that reason, I've also done a a recommendation of trauma, which you pay out of pocket. This covers child trauma. So that's just I did a one year's worth of income to a 110,000.\n\nAnd it's linked life because it actually, funnily enough, makes it cheaper to get an extra $110,000 worth of life cover in your personal name and link on trauma as a link benefit. It made it made it $22 a month, something to consider. But what I really wanted to kinda show you is if you go down on this recommendation on page 47, I wanna show you how we calculated those numbers. Okay. So have you can you see that needs analysis table?\n\nCool. So, again, shout out if you have any questions. But looking at this table you're looking at, let's go with life cover. So life, if you were to pass away, I'd assume you want the mortgage paid off and debts. Right?\n\nPerfect. So that's at 547,000. After that, there's funeral expenditure, which is $20,000. We put in there for funeral expenditure. Obviously, it's not included in TPD because if you were totally permanently disabled, you're not dead, and you won't need a funeral.\n\nOkay? So that's that's the reason why it's not in there. But then there's a cost of living replacement of income. So we do this by either five years, seven and a half years, or ten years depending on how many dependents you have. And you've got the maximum dependents and for their age, your age and stage, we do it by ten years of replacement of income.\n\nAnd the reason for that is because there's about five three to five years worth of what we call grief payment. So, essentially, if you're not there physically, then at least you're there financially, whether you be TPD'd or you pass away for Brendan for ten years. So it gives him the opportunity to, you know, take a morning period of whatever however long that takes to, you know, take some time of working, not have to worry about the bills, have no mortgage, and still not and still look after the family and the kids, right, if you weren't there. Does that make sense? Or yeah.\n\nAnd then even if it's five years with morning period, the extra five years, there's an opportunity to still look after the kids, do everything that, you know, he he needs to do. But if he doesn't wanna continue in the line of work or career he's in, then he can go to university or, you know, start an operation, and buy his own excavator and write his own start his own business or whatever it might be. It gives him options. So, again, if you're not there physically, you can be there financially still as if nothing were changed. Does that make sense?\n\nFor ten years. Correct. Okay? And, again, we do it for ten years. I can do a calculation all the way up to the age of 60 when he reaches a time to actually access super.\n\nBut that means that your yeah. But that that means that your lump sum benefit, the insurance short amount that you need is gonna be upwards of $5,000,000, and the premium on that's, like, $10,000 a year, if if not more. So, again, it's about balancing this what you're paying versus what you can get. Because if you don't claim and none of this happens, then you've just paid $10,000 plus a year for something you don't or nothing. Okay?\n\nSo it's really important to try and balance the it's a very much balancing act to make sure that you cover enough. Right? Then what we do is we actually we wanna try and get the cover amount of sum insured as low as possible. So what we do is we take off your superannuation, which is a $108,590 at the moment. Because if you were to pass away or get TPD, your super is gonna get paid out to your beneficiary or yourself if you TPD.\n\nRight? So if you've already got a $108,000 in there, then why do you need to pay premiums on it? Because you can reduce that from the amount that you need to be insured by. Right? Because that's an asset.\n\nDoes that make sense? Yeah. Beautiful. So that means that your life insurance, the amount you need right now, so you're essentially, what your life's worth is more but as it sounds, is $1,558,410. That is what your life is worth.\n\nOkay? So your TPD is obviously the same number minus $20,000 because you that's the funeral expenditure. Income protection is 70% at most in Australia for of your income, which is at $6,417 a month. And then you look at trauma. Trauma cover, I just I just did one year worth of cost of replacement of living.\n\nThis, you've got to pay out of your back pocket, which is, again, you know, we'll skip back up again. But that covers things like the three the three big ones. The big three are cancer, cardiovascular disease, or heart attacks is a big one, as well as strokes or TIA's, things like that. So that's usually, I like to go with just everything paid out of the as superannuation so it doesn't affect your cash flow, especially for a young, struggling family. But it's definitely something that you should consider because it's one of the highest claimed upon after income protection.\n\nBecause we're in Australia. You know? Accounts is a big thing. Exactly. So it's definitely something that you wanna consider.\n\nI want I did that recommendation in there so that you can at least, you know, get an idea of what it looks like and what the cost would be. Okay? So does that make sense about how we calculate these numbers? We don't just pull them out of the mail. We actually work out what you need.\n\nBeautiful. Any questions? Great question. Yes. We revise this every twelve months because every twelve months, you your super's grown.\n\nYour asset your asset worth net pool has kinda grown in value, and you paid your mortgages down. Right? So the whole point is to be self insured. Because if you had $1,500,000 in cash with your current situation, then you wouldn't need to pay some other bloke a premium every year, 3,000, $4,000 a year to cover your needs because you'd be able to cover them yourself. That's the ultimate outcome.\n\nThat's what we wanna get to. But because you can't cover it yourself, we cover this. But to answer your question, I don't add on any investment properties or any investment debt. And the reason for that is because this is worst case scenario. Exactly.\n\nSo if you if you're if you're in a position to have yeah. If you're in a position that's exactly right. If you're in a position to have a benefit of having an investment property as well as your own, then if the worst were to happen, you can just sell the the your partner, you know, widower, if you would, could just sell the investment property and be left with some equity. Or if you're in a fortunate enough position, have multiple investment properties that are actually bringing you positive gearing, and then you, you know, you essentially have after all the rents, rates, fees, all the the deductions and everything, every year, you can have an investment portfolio of properties that brings in income of $6,417 a month. Because then you don't need to pay for an income protection because you can cover it yourself.\n\nThat's the plan. That's the goal. That's the overall goal. That's that's that's what we wanna get to. Right?\n\nSo, no, we don't increase it. We do review your insurances comprehensively every twelve months because I'm not a fan of insurance. It's a necessary evil. That's why I wanted to give you a recommendation on your superannuation as well. Because if we're increasing the amount of cover you need and therefore the the price you're paying for it, then we wanna make sure that's not easy to wait your superannuation so that you don't end up if you don't, the worst thing that can happen essentially is you pay all these premiums for this cover, but you don't get enough return or contributions to get to the end of, you know, your working life, let's say, age 60 to retire because you can access super then, and you're left with no super, and you haven't made an insurance claim because you've spent it all in premiums, and nothing's happened to you.\n\nBecause then you're left with nothing and no refund policy. Yeah. You know what I mean? So it's really important to balance that out. And like I like I said before, we review this really, really thoroughly every 12 months.\n\nAnd if you just just so you're aware, if you go down a little bit from the the next so we outline why this is in your best interest and what needs analysis looks like for yourself on page 47. 48, count it continues and why we're looking at what we're looking at. If we go on to your outcomes, the every strategy's got the what we're doing, why it's in your best interest, how we've calculated it, the outcomes, which includes advantages and disadvantages, as you can see on page 49. And there there's a lot of them. And the risks included in all of this example, maybe you don't claim, and then you don't get a refund of all the insurance premiums.\n\nYou know? There's we take all that into consideration. And then if you go all the way down to page, you know, page 53, those are some alternatives we considered as well. So every strategy including super and Brandon's insurance recommendations has all of these. So I'll let you read in your own time, but this is just from a compliance point of view.\n\nWe have to put these in in writing so that you can understand why we recommended what we recommended. Okay? K. So that's your insurance recommendations to cover your needs. Now if we go back up to page page 44 oh, sorry.\n\n43, we can look at what we're recommending and why we recommend now it gives you an understanding of why we need to recommend that amount of cover for what we're recommending. Does that all kind of and you see how it all works together? So this is where I wanted to bring up the benefit period of your income protection and your total permanent disability. So remember you said you no one explained how it works? We are recommending I can drop it down to about five year benefit, but I'm recommending age 65 because if you weren't able to work because of injury or illness for more than, say, five years, then you're probably never gonna go back to work again.\n\nCorrect? So at five years, we can well, even less than that. If it's if it's a severe case, then what we'll do is we'll not only do an income protection claim, we can also do an a TPD claim. And what will happen is we would get paid you would get a continuous income all the way up to age 65 of 70% of your income, which is $6,417 every month all the way up. But not only that, you'd also get $1,500,000 paid out in in a total permanent disability claim, which means the mortgage is gone, and you still have about, you know, somewhere around a million dollars left to go to funder to be able to facilitate the premium period if, you know, Rennon didn't wanna work or you wanted to build up some investments so that you can be in a position to continue on a your your lifestyle, especially if you if you can't go back to work or injury illness or you, you know, paralyzed, something along those lines.\n\nUsually, when we do insurance policy claims, it's pretty severe, especially in the TPD realm. I can tell you some horror stories, but I don't think we have time because you you've got kids too. The the the next page, just to just to touch on the Clearview trauma policy, see it's life cover with trauma and linked. So it's a life policy for a 110,000, one year worth of income, gross, but I've linked on trauma. And the series is a standalone versus linked.\n\nCan you see that on page 44? Yep. So that means that your trauma policy is linked to your life cover. And, essentially, what that means is the reason why we do that is because it makes it cheaper. Some yes.\n\nRight. Yeah. Correct. Exactly. A month.\n\nYeah. $22.04. But you the thing is you gotta pay for it out of your back pocket because of the ownership of the cover. You know? The the the the technically, the life and total permanent disability and income protection, if we cover it and get it pay and we get it paid by super, technically, the policy owner is the super fund trustee.\n\nYou're the life insured. So if you have a heart attack and you get a lump sum payout because it's post tax, you gotta own it yourself. So that's the only reason why it's paid out of super. Okay? And more what's what's what's interesting as well is we actually got your cover even though you need to be covered for a little bit more than 1.5 mil, we dropped down to 1.5 mil because you get a discount.\n\nSo at 500,000, 750,000, 1,000,000, and 1,500,000 and 2,000,000, you get a discount on the premium. So what I mean by that is yes. We but if what I mean by that is, let's just say you need cover for 1,390,000. Right? More often than not, if you look at doing the exact same quote and you bump that life and TPD cover up to 1,500,000, you actually have a cheaper no.\n\nYeah. Well, you get a cheaper premium sometimes. Yeah. Yeah. So you get it's just like a incentive to kind of get more cover and just part to be competitive.\n\nSomebody somewhere along the way, an insurance company did it. But ever all insurance companies do it now. You find the most benefit close to a million. So if you need to be covered for 922,000, I think it is, is round about the average point. It's actually the same amount of premium that you gotta pay every year for a million dollars worth of cover.\n\nSo you must okay. Couple for the extra $80. Alright? Yeah. So that's just a little bit of insight.\n\nBut, again, it is expensive. It's gonna be $3,710.71 per annum. And, again, we try and and it increases it over time. Every year as the policy comes to renewal because you get a year old and it gets you get more risky. So what we do is we try and reduce the sum insured to in line with your needs to reduce that premium down to keep it around about the same every year.\n\nK. Do you have any questions, concerns, or anything before I move back to Brendan's? Or yep. Yep. Absolutely.\n\nSo I'm glad you brought that up because I can definitely do quotes for two years, five years, age two age 60, and two age 65. So this is this is where it goes. This is where it comes back to what it means in your superannuation because your super is paying for it. K? So what it looks like is to get the full beans, the full comprehensive cover, all the way up to age 65 with no mortgage and extra cover for the TPD if that were to occur, then, yeah, absolutely, it can be five years.\n\nBut if you get a TPD payout and pay your mortgage off, it would be beneficial to have, you know, ongoing monthly revenue or income all the way up to 65 when the reason why we put it to 65 is what we call the full beans is because that's when you start accessing your government pension. So you essentially have income every month coming in and then to a point where you can get fortnightly Social Security benefits as well. So that's that's what the cover is for. The reason why I wanted to give you the total amount all the way up to age 65 is because of your, again, superannuation. So if you wanna go to page page 27 for me.\n\nLet's go back to that fee comparison table. I wanna show you the benefits of having all the cover. But to drop it to five years, that's gonna reduce the premium down to the $2.5 kind of region. So I'll make it cheaper. Oh, sorry.\n\nPage 27. Mhmm. So this is the fee comparison between your q super and hub 24. We went through that before, obviously. But what I'm trying to do is if you go to the next page.\n\nThis is what the I did a five year benefit. Oh, sorry. A five year outcome. Okay. So five year outcome, and then I did to age 60, when you can access super, and you indicated by that age you wanted to retire on that, I believe, a thousand dollars a month.\n\nOh, sorry. A thousand dollars a week with no debt. Do you remember that conversation? No. That's okay.\n\nSo when we when we had our initial consultation, you one of the one of the questions that I I asked was when you get to retirement and you both decide to hang up your boots, what does that look like? What when do you wanna retire? And on how much per week if you had no mortgage, no debts, what what would that look like? And we kinda came to the number of $1,000 a week or $52,000 a year. So a thousand dollars a week to be able to it's about three overseas holidays a year.\n\nThe kids have moved out. That's what we kind of determined would be a suitable income per week to be able to live on. Right? Do you remember that? Or Sort of.\n\nOkay. Just for yourself and Brandon? Just well, I did it for both of you, but you both combined with these projections, you actually exceeded you get you get a thousand for each of you. But, yeah, I did I wanted to work towards the number of a thousand dollars per week and have a certain balance to be able to achieve that on a certain return. Because if you add a 1,000,000 to so the numbers I was working with was with everything included, can we guess your superannuations to a position where you can essentially with cover of insurance the whole way through to cover your needs and hopefully, eventually, bring it reduce it down to nothing.\n\nBut to cover your needs where we can have a balance of $4,000 a week to live on to be fully financially free. If you have a thousand dollars a week, there's fifty two weeks in a year. That's $52,000 in a year. So the number if you were to get a 5% return on a balance of $1,040,000, that would be $52,000 in a year. Right?\n\nAnd I use 5% because that's a little bit over cash after inflation and fees and whatever. Very achievable. Right? So if you had $1,040,000 in your super balance, by the time we get there, and hopefully by then, no debts, So you cancel your insurances. You don't need them anymore.\n\nBut if you had $1,040,000 and it grew by 5% in one year, net of fees, net of everything, then you would have 50 you would have 52 it'll grow by $52,000. You pull that out, withdraw it from super tax free to be able to live on, you'd be you'd be left after a year with the same balance that you started with. So, essentially, you're living on interest. That is that is full financial freedom. That's the number I was working with.\n\nWith. Okay. Okay. Alright. Sorry.\n\nWe're talking so we were talking about insurances, but now I'm talking about the financial planning perspective of trying to get you to what you need to retire on with including these increase of insurances. Because the insurances that we're increasing and buy to to suit your needs is very expensive. It's it's comprehensive cover, and because it's covering you for significantly more, you pay more premiums. So if so if you're covered for that extra cover and therefore higher premiums per annum, then are we going to be in a position where you'd still be able to retire on what you would like to retire on? Does that make sense?\n\nOr Mhmm. Yep. Exactly. Exactly. And then well well, no.\n\nBecause if you see the second line, it says lump sum by age 60. So thirty two years. You see that number? So that is the number I'm looking at because you can't this has only got to do with superannuation and insurances that'll be paid from superannuation. So when I'm looking at covering you for insurances, but getting your super to pay for it, I wanna know the effects of what your suit that looks like for your superannuation.\n\nSo if you got if you left everything as is with q super, but have cover that you're paying since you're on page 27, you're paying $734 a year for that current insurance. That's your current situation. Right? Can you see that? That's $34.\n\nCorrect. Okay? And that's that's the fees that you're paying for the super fund itself, and that's the growth that you've achieved in that high growth investments over the last five years. So from from the July 31, go back five years, and you look at the overall return and then you average it up per annum, you've essentially got a return of 8.77% every year per annum. So if we look at that outcome with the cover that you're under insured by, as we did worked out by your needs analysis, if you carried on ticking along, if something were to happen, then you wouldn't you're not insured for enough to actually cover your needs.\n\nSo that's the first thing we identified. Next, we go, alright. Well, if you were to continue, just leave everything as is. And after I did a five year comparison because well, five year projection because I'm doing a five year rolling average, so five years back, what does it look like in another five years based on those numbers? And what the effects of higher insurance premiums would look like based on our recommendation.\n\nBut then not only that, you can only access super by age 60. You can't you can't access it sooner. Right? So by age 60, what does it look like if you were to leave everything as is? So when you get there with your current insurance, you would end up with $1,516,113 based on those numbers, net of fees.\n\nThat's the that was that's what your super balance would be. Right? And that that's more, essentially, than the 1,040,000 that we wanted to try and get to. So does that kind of does that give you an idea of what I was trying to explain before, or does that make sense? No.\n\nThat's okay. That's alright. That's that's that's the point of this conversation. So, essentially, if we use the same logic on, let's say, a 5% return net because we wanna reduce risk as much as possible when you get to retirement. Because if our GFC two point o hits, then I don't want you to be invested in any shares.\n\nI only want you to be invested in bonds, you know, really safe, safer assets. So if you're looking at the same logic, a 5% return on $1,516,113 times that five a 5% return, that's essentially $75,805.65 in a year. So you can have an income of $75,800 per annum, like, as if you were working, but you're retired. And you can you can have that you can pull that out of super tax free and after every year on a 5% return and still be left with the exact same 1,516,113. Yeah.\n\nDoes that make sense? So you're living on interest. That that's free money. I'm glad. That is that is a great question.\n\nI can't you nailed that one. And the answer is, yes. We do take inflate no. The answer is yes. So we do take inflation to account in the calculations.\n\nWe're projecting this forward. We take 3% inflation into accounts. It's not quite at 3% at the moment. It's a little bit higher than that. But the RBA's inflates, like, cash rated one they wanted inflation and cash rate to be somewhere around the two to 3%.\n\nSo most calculation like, in MoneySmart budget calculator, they'd use inflation of two and a half percent every year. We use 3% just to be safe. So if that's $11,000,001,500,000 or $1,516,113 by the age of 60 is in tomorrow's dollars. Does that make sense? So that's gonna be the value of that much as if it was today's dollars but in the future.\n\nSo we take inflation into account. Yeah. Yeah. It's in tomorrow's dollars because tomorrow's dollar is not the same dollar as today. So we we we factor that in exact that's in tomorrow's dollars.\n\nYep. So by the time you get to in a way, in today's dollars, correct. So by the time you get to age 60 in a thirty two years' time, you the same 1,500,000 that would be worth today is gonna be the same then as well because we take inflation into account. Correct. Does that does that kinda make sense?\n\nSort of. So if you however much 1,500,000 can buy today, it's gonna be in tomorrow's dollars. It's gonna be the it's whatever you can buy for 1,500,000 in in thirty two years' time, but in those dollars. So we've taken inflation into account by three percent. So if inflation increases by 3% on average every year for thirty two years, that's that's that's factored into, yeah, today's dollars.\n\nOkay. I don't think I I don't think I explained that correctly. Yeah. Do do what what did you take from that? How do how how do you see that as?\n\nSo no. So it's taken 3%. So whatever the calculation is, every year, we've taken off 3% because of inflation. So it's in yeah. So it's it's it's in future dollars.\n\nSo by the time you get to age 32 oh, sorry. Age 60 in thirty two years, that value then is gonna be worth 3% rolling compounding average of 1,500,000 as today's dollars. So it's gonna be worth 1,500,000 in today's dollars. Does that make more does that make more sense? Or beautiful.\n\nBut then the question is, well, are you insured for enough for that $734 per annum premium? And the answer's no. So we went through the calculation recommending cover that's gonna cost again, I apologize. It's the difference is $2,977. So that pub 24 column is actually what the difference in fees are.\n\nFor some reason, the the table shifted left, but I can send you an email with the actual comparison that I'm looking at. The insurance premiums is $3,711 per annum, which is the recommendation that we just went through, the 1,500,000 of life and TPD. Do you remember that? Yep. So for all that cover, comes to $3,711 per annum, approximately, to be exact, $3,710.71, which is about 31% of your super contributions just from working every year.\n\nSo you still keep 70 or 69% in your super fund growing for retirement. K? So that's important to note. Yeah. So that's that's got so that kinda gives you an idea.\n\nWe like this this is just just the same page. I'm just giving you an idea of what the outcome and what the effects would be based on an increase of insurance premiums as well as our fees. And you'll see over five years, you're gonna be $12 lower than what you would have been with q super. And the reason for that is because of the upfront fee of the balance. You see how it dropped by $3,300?\n\nSo if we manage your superannuation and the charge of the statement of advice, it's for it's $4,950 per person. But for a couple, it's 3,300 each. So we reduce that fee down between you, if that makes sense. Because that so that's what that fee is. So with that fee as well as that ongoing advisory, the percentage base, the more money you make, the more money we make.\n\nIf you lose money, we don't make as much money. So that's the reason why over the shorter term, it's it's it takes a while for that compounding return to really kick in. So it does take a while to kinda catch up, especially with the increase of insurance premiums. But the larger the snowball, the more snow it picks up. So when you're looking at a bus eight years in, that's when it starts really, you know, gaining momentum.\n\nAnd when you're looking at, you know, in fifteen years, you or twenty years' time when the balance is bigger, then you're gonna see or you're gonna see significant compounding return. You get higher returns. That's why it increases over the longer term. So I just wanted to even if we look at super or our super recommendations or not and just go with the insurances, I just wanted to give you an outcome and give you an idea of what our full recommendation would be and why. Because overall, you'll be in the $210,188 better position by a 60 with the Superfund, our investments returns, net of all of our fees.\n\nBut more importantly you know what I mean? So that's it. That's a mis outcome. But what I've done as well is I've also done a comparison of if we only had the insurance premiums in your existing super fund. I've done that in the appendix as well.\n\nSo let me know if you wanted to have a look at that, and I can walk you through that too. So, actually, now's a pretty good time. So if you go back to the email and you open up the second document, that is the appendix to the statement of advice. Yep. For some reason, my PDF didn't like me.\n\nIt says some error. Bookmark not to find in some of them. But if you if you go down to the oh, it says another page numbers. That's right. It's appendix.\n\nSo after the you go down to the third page. It says risk profile. Can you can you see that? Risk profile. This gives you an idea of what defensive assets versus growth assets risk should look like.\n\nSo between your investment portfolios with PinSoup because your sup is invested. That's what that high growth investment option is. You go on next page, important relationship information, it continues on the page after that. Investment BDSs, this is the portfolio I'm actually recommending for yourself within that hub twenty four fund. But if you go after that, you'll see investment returns like for like Brandon and investment return like for like Madison.\n\nLet's go to yours because we're talking about yours at the moment. And you will see that in the same kind of column, current versus recommended. If you look at current, you'll notice the insurance premium is $3,711. Yep. And that is so this is what would the outcome be if we kept your q super, but only wrote the insurances and got q super to pay for it?\n\nWhat does that look like? Does that make sense? So if we were to cancel the insurances you currently got with q super because we got these new introduced more expensive, more comprehensive, lot higher cover, then what would the outcome be? So after five years, you'd have a 186,000. After ten years, you'd have 290,000.\n\nAnd by age 60, in thirty two years, you'd have 1,268,000. Okay? And then I did did a comparison versus, obviously, the same outcome, the same hub twenty four outcome as before. So if you look for the comparison between two tables, after five years, it's the same $190,827. But because the insurance premiums on a like for like comparison are higher if we just do insurances, it's actually with the same insurance, but within the hub twenty four.\n\nYou'll save a dollar in fees in terms of administration investment cost, but you will also there'll be $4,000 paid off. Woo hoo. After five years, you'd make the upfront feedback. But, obviously, because you got significantly more insurance premiums to pay. Does I I know there's a lot of numbers, and I know it's kinda hard to follow sometimes, but does that kinda make sense?\n\nOr yeah. So not only do we need it from a from a compliance and best interest duty point of view, look at insurances, which is what you're after, because it's gonna be paid through super, I need to kind of assess your super situation as well, if that makes sense, and see if we can see if we can somehow counteract the increase of insurance premiums being paid to be able to still get you a beneficial outcome. That's why we included that recommendation in the actual statement of why isn't it? Does that make sense? Beautiful.\n\nDo you have any questions? Correct. So that's the next one. That's the one above yours. Sorry.\n\nSo if you go back to the statement, keep in mind, these are the insurances the increased between c Bus as well as HUB twenty four. So if you we haven't gone through Brandon's, we've only gone through yours. But with the same concept, this will go a lot quicker because we've already gone through it. So if you go back to the statement of advice, the first attachment, and you go to page you go to page 32. Brandon's got you said you weren't a smoker.\n\nIs Brandon there? Nope. No. That's okay. So, Brandon, because he smoked cigarettes in the because he smoked cigarettes recently, No.\n\nI understand that. But to an insurer, they do not care at all at all. So, yeah, we have to disclose that. And just to give you an idea, the difference in premium for smoker and not in smoker, this is why I've done the different premiums in different places, is fourth instead of four instead of $2,952, it's gonna cost $4,140.88. So page 32.\n\nYeah. So just to put it in perspective, if you were not a smoker now I wanna point out you can see the life insurance. Well, I'm only covering him for bare bones, which is 490,000, which is your mortgage in debt. Right? The reason why it's so much more expensive for such less so much less cover is because of his occupation.\n\nBeing the excavator driver instead of a nurse, it's a lot higher risk. I've something going wrong. Yeah. So No. I'm sorry.\n\nI mean, mental health probably wise, but you're in a, like, you're in a sanitary environment. You've got strict procedures and policies. As an ex care beta driver, you like you said, you're on the side of a road digging off the said said road on a side of a cliff. Right? So not only that, he actually goes out into the ocean.\n\nSo those things are all factors. So the way that they the way we that insurance companies calculate price versus risk, the monetary outcome versus the risk that they gotta take and work out a dollar figure behind that is a job called by job done by an actuary. So have you ever heard of somebody called an actuary? Okay. So an actuary is like a a it's a it's a it's a occupation, I guess, if it's a job, and they are very strange people.\n\nThey're like they're like little hermits that that are mathematicians that live in a cave somewhere. They're just the strangest people you've ever met in your life. Their whole their their job is to essentially work out for the amounts of claims or things going wrong, what are those things that go wrong, and then calculate that risk into a monetary figure so the insurers can work out what how much it will cost to to to for a premium to get paid versus the likelihood of them paying out. Yep. So if you're an astronaut, you probably wouldn't get covered because the risk of something going wrong is way too high for them.\n\nRight? But if you are administration's officers sitting at a desk a 100% of the time during the day, then the likelihood of something going wrong is next to nothing. So, you know, for if you were an admin officer, you'd be paying something like $1,100 for the same amount of cover each. Yeah. So it's very, very kind of convoluted and intricate just to give you an idea of how insurance works.\n\nThere's a lot to it. But, yeah, for your specific occupations, if I were to get the same amount of cover for Brendan for that 1,500,000 for life and TPD, then you'd be looking at you'd be looking at significantly more premiums for the exact same amount of cover. Okay. So so to counteract that, to make sure that his super is still growing by the at the end of the day, I need to make sure that, you know, we we we aren't charging too much. We aren't charging the arm and the leg.\n\nSo quite literally. That's funny. Not only that, we did a pre assessment, and there may be some exclusions involved because of family history, which is multiple sclerosis. Okay? So this is where yeah.\n\nThere's there's lots that come into it. So if you were to get MS because of his family history, the insurer wouldn't pay out. No. At the moment, he doesn't have any exclusions on his current cover with CBIZ. But the again, it's you just got given all these insurances.\n\nThey haven't gone through what's called comprehensive underwriting. So underwriting means that we go through a big long questionnaire, ask you all about your family life, pretty much that pre assessment with a little bit more detail, and then we submit it to the insurance company. Say, hey. We want this person, our client, to be insured. This is how much we want, and this is the cover that they have agreed to and they're happy with.\n\nNow these are the questionnaires, and this is their family life, their their personal what we call a personal statement. So you provide a statement saying exactly what's happened to you along the way, whether you've broken any bones, your family history, whether you've had cancer, benign, malignant, and they'll ask all the questions. And then you submit it, and then they come back and they assess the risk. They call underwriters, and they say, right. Well, we're we're happy to give them this appropriate cover, but we won't cover MS because it's family history.\n\nAnd if you're happy, then I'll come back to you and I'll say, look. This is what they've offered. Are you happy with it? If you say yes, then we call the insurer back and say, yep. They're happy with this.\n\nThey've signed off on it. Let's proceed. And then what they'll do is they'll essentially place that cover in force. And then if anything were to happen, the benefit of that is if anything were to happen down the track, the questions have already been asked. So they have to pay you depending on the outcome.\n\nSo pretty much everything's covered outside of MS depending on what the insurer says. However, if with the current insurance with Cbus for Brendan, if something were to happen, he would get MS, then he wants to claim on his 100 and something thousand worth of total permanent disability. They would ask the questions then. They would go, alright. Well, can you, you know, do you do you have a family history of multiple sclerosis?\n\nOh, you do. Well, based on that, it's a non it's a nondisclosure. Yeah. Correct. Exactly.\n\nSo it's very does that kinda does that kinda make sense? What I wanna do is I do wanna update that that document table where it said that the where it was the recommended. The like, it's your do you know where it said negative $4.10 for admin fees? Yeah. For yours.\n\nSo what I can do is I'll just copy this table here, and I will send it to you because I don't like that it copied over. But when I send it through to you, you'll see that it's just the difference in the actual fees. So I'll just send it through to as to follow-up on that statement of advice email sent through. I'll say reply to all just so you can see what I'm talking about. So I'm so does that does that kinda give you an idea of how the insurances work, why I recommended what I recommended, the the the outcomes and the numbers that we're working with?\n\nOr Yeah. To bring the cost down because it's very it's very expensive in his line of work. Yeah. So is that that's why you wanna and because you're the so this is how the the benefits kind of work together. So if Brandon were to not be able to work because of injury illness, you can more than likely do a TPD claim because it would be fairly severe.\n\nBut if you were to claim on an income protection claim, at least you get two years worth of benefit, And that way, it's not gonna completely blow the bank because the premiums aren't that high. And not only that, his income is lower than yours. So if you were to if you were to not be able to work because of injury illness and you need to go on a claim for, let's say, ten years before you can do something else or, you know, get back to work, whatever it might be, in that kind of example, this mental health is a big one. You know, stress leaves, stuff like that where you get anxiety or depression, something along those lines. It sounds like five to seven years sometimes.\n\nSo if that were the case and you weren't be able you weren't able to create an income, then you're the one that needs to be covered the most for the most amount of time because you've got the higher wage. Does that does that make sense? Only in trauma because that covers the main payment out of trauma is cancer. Cancer, heart disease. Yep.\n\nSorry. Go on. Great. Great question. Nailing these questions at the moment.\n\nI must've no. No. No. These these are this is exactly why we have this conversation. So the answer is only melanomas.\n\nIf he were to get, say, bowel cancer or something like that, then it's still covered. So it's only got to do with preexisting conditions. So a good example is a back. Right? So your back if you get in if you're in a car crash and something happened, whatever it might be, you fell over or the scooter or escape or something, and you have a bulging disc on your l you don't understand this l four, l five disc.\n\nRight? Your lumbar sacral spine. Then if we would do underwriting and get comprehensive insurance for, let's say, myself, then they would exclude the lower spine, so the lumbar spine. However, it's got to do with the preexisting condition. So let's just say, you know, at the time where it ends up sever severing or whatever it's called.\n\nI'm not the doctor, the financial planner. But something happens and I become paralyzed from the lumbar sacral spine now. Right? Then I'm not covered because there will be a lumbar sacral spine exclusion. However, if I were to get into another car crash, for example, and I get t boned by a drunk driver and my l four, l five discs completely shatter and they sever whatever the right terminology is and I'm paralyzed from the waist down, I will get paid because it's got nothing to do with my preexisting condition.\n\nDoes that make sense? Possibly, we would know more once you go through the full underwriting process. So when we go through that insurance application, we would submit it towards the insurer, and I'd probably more than likely be able to let you know. I've been doing this for, you know, pretty much my whole life. So inclusive of the investments, my whole financial scope.\n\nBut, yeah, we're pretty good at picking things up before we submit it and letting you know what to expect when we get it back. But, yeah, that from the pre assessment, from what we've already disclosed to the insurer, from that questionnaire that you went through with, I believe, matters was after we had the chat. That's that's essentially you finding out what is likely to come back with because we're and that's when we take it to the market. So we get your pre pre assessment of your health conditions as well as what cover you need and your situation, age, and stage, everything. And then we go and we we compare that outcome with a whole bunch of different providers.\n\nAnd that's actually outlined on the statement of advice as well. So if we're looking at Brendan's outcome, if you go down again to after those cover amounts, if you go down to page 34, it tells you about the exclusions. Page 35 is the best interest duty. Page 36 is the needs analysis, so he needs a little bit less cover than you because he's got a little bit less income than you over ten years as well as superannuation. So he might have thought a lot less super.\n\nBut if you go down all the way through page 38, which is the outcomes, the advantages, and just compared to disadvantages of introducing this new cover, and you go down past risks and go down to page 42, you can see alternatives considered on page 42. Let me know when you're there of the statement advice. So look at the last paragraph. So out of all the insurers that are on the market, because we run RNA for so we have to go we can we compare all of them. Out of all the insurers, the top kind of the top insurers that gave us relevant, like, adequate insurance levels and insurance definitions for Brendan, as well as appropriate price.\n\nThey all have different pricings because of their definitions and the the the essentially, when when you're looking at insurance policies, you gotta look at these things for definitions. So some insurers have more comprehensive definitions, which means the likelihood of you getting paid is higher, so, therefore, the premium's higher because it's higher risk to insure. So the competitive insurers were Tal, t a l, Australian Life it stands for, Ascender, and Zurich. Okay? So those are the top and along with the recommend recommended cover that we're recommending with the with his current insurance policy with one path is the one we're recommending for him.\n\nThe one those four insurers came up to be kind of the most the highest rated, the most affordable for his age and stage and occupation. So out of all four of them, the cheapest with the best outcome is essentially one path, and that's why we're recommending to go ahead with one path. On the second attachment in that document in the appendix, it actually gives you a little bit of a rating in comparison to what a c bus insurance looks like as well. And that's oh, the appendices doesn't have a page. It's just kinda like the extras.\n\nBut if you go to where we were before for the like for like investment returns for yourself. Yeah. Correct. In the appendix. Yeah.\n\nNo. We're jumping around all over the place. Bear with me. I apologize. Yeah.\n\nNo. That's alright. I know. But if you wanna go onto that, the appendix pretty much just outlines how investment methodology is there. But after the investment methodology, you'll actually see a comparison for insurance comparing differences.\n\nSo a like for like for Brendan, and we compared OnePath versus Feebas. We've got all the other research. If you want me to send that through, I'm more than happy to send it through as well. But, essentially, we're just looking at, you know, what's the at a glance, what does one path portfolio and will insurance cover when compared to the existing SeaBus super insurance? Yeah.\n\nCorrect. So so the the coverage, you've got essentially a 1917% better chance of claiming on life and CPD with one part than you do with CBUS. That's because we ask the questions before the events, essentially. And if you look at, you know, what what these ratings look like, each rating house has a different rating. We use Chartwest for the insurances.\n\nIt essentially shows you an overall score between the life, the TPD, and the features involved. And, yeah, if you if you go down the list, you can see that essentially, one path is a comprehensive insurance policy for life, CPD, income protection, and trauma. That's got a score of 92, a rating not compared to the rest of the market of 92. It's pretty much the highest you can get. I think Zurich has 94 for his occupation, but it's extremely expensive.\n\nSo I'd rather save the $2,000 a year premium in case something doesn't go wrong and get one part but still really highly rated product. But if you're looking at the life and the TPD, you're looking at a 42 overall rating between the life and TPD. And if you were to just look at that life and TPD like for liking, you know, rating, it's a comparison of 29 versus six. It says I can go more to what the ratings look like. It says ranked on definition, but just to give you both a snapshot, that's what it looks like.\n\nAnd if you were to look at yours, QSuper's actually got a lot better insurances to CBUS and other industry funds because of the QSuper being in the health and police. You know what I mean? So QSuper's got a much higher rated product, which is 54. But like like we said before, you know, ClearView, if you're looking at that comprehensive cover, there there is an extra 12 points in that, and that's because of the trauma. We recommend trauma.\n\nBut if you're looking at like for like, you can see it far out performs in terms of the life of GPD and income protection. Does that does that give you more of an idea of what the ration of the the insurance product is? Or perfect. Perfect. Well, that is that's pretty much what our recommendations are.\n\nI'm going to send you through an email with the updated table here. I apologize. I don't know why it's spattered out like that. It's just I've been having issues just today. It's just it just so happens to be that today's the day where it decided to not work even with the upload.\n\nI don't know why. But as discussed, please see. And what I'll do is I'll make sure that we take down the the odoo sign that I sent out. I don't want you if you wanna proceed with just the insurance or whatever it is, I'll get some time give you some time to obviously consider it and talk between yourselves, think about it, And we can book in time, you know, in a couple days just to have a catch up. Or if you want the weekend, just let me know.\n\nBut I I wanted to make sure that, obviously, if you are signing something and proceeding with whatever it is you wanna proceed with, then you're signing off on an accurate document. Then but just while I've got you before we book that time in, I'll send this out. Please see below so you can see what I mean by the difference in those numbers. So there we go. So I've just sent Nelson, I've just sent you out that extra bit.\n\nSo somewhere out there in the etherwebs somewhere, So let me know. Maybe check junk again. If you right clicked on the previous email and moved it to inbox, it shouldn't. It should just go straight to that inbox. But a message has been sent, so the email has been sent.\n\nYou got it? Beautiful. So if you you open that up and you see the same kind of table. So that same table, if you're looking at it, this is a comparison of 3711. You'll see at the very the difference table over there.\n\nSo negative 410 and then 41 one, you see. Yeah. No. It shifted over to the left. But if you look at the this is what is this is how the data was supposed to correlate in that table.\n\nSo, again, I'm gonna update it and resend it out. So I do apologize. For some reason, that that side just shifted over that way and threw the numbers out. I don't know why. Yeah.\n\nYeah. But does that give you a better indication of what it looks like? Beautiful. And, also, if you wanted to look at the appendices, that is that's in the attachment for the like for like comparisons that didn't decide to shift over. Okay.\n\nDoes that does that, like, it would make a little bit more sense? A lot of those numbers would have thrown you off quite considerably. But in the appendix on the investment returns like for like, you'll see that those numbers are the same there as well, except for, obviously, your current current insurance premiums. So, essentially, the super with insurance recommendation for us, which is HUB24 for both of you, it gives you a it essentially saves you money in administration and investment costs overall. You know, you save $1, and then between the admin fee and investment fee just by investing in in a in a portfolio within hub 24 that essentially gets you 2.78% better return.\n\nBut if you were to just get Correct. Correct. In administration cost. Yes. Because it's much more comprehensive product.\n\nYou can with q super if you if you change your investment over to high growth exactly. Exactly. So exactly. So this is where we go to the investment side of things. Exactly.\n\nAnd but but for Brendan's, if you're looking at his, you're looking at a you know, essentially a it's a $87 cheaper for his recommended investment portfolio. However, it's $3 more expensive for the same up 24 accounts. And that's because he's in a core product because it's the it's the grouping discount. So does that is that does that make more sense about what I was trying to explain before? Or Yeah.\n\nI'm sorry about that. No. Shift over. Hopefully, that email just gives you a better idea of what I was trying to explain before. Mhmm.\n\nAsh, just with you, I'm glad you asked that. So if you look at which which table are you looking at? Are you looking at the email one or in the appendices? Or okay. Okay.\n\nSo Brendon's like like that if you go down underneath those investment fees, so there's admin fee, investment fee, any other fees, adviser service fee, that's a percentage based compared to, you know, obviously, not paying anything. Then you look at contribution per year. So that contribution per year is the contribution from employment. That's 12% per annum. You get a little bit more, and what's convenient with your line of work, I believe, five years ago or something, you still get the same contribution and elected nomination to kind of salary sacrifice 5% or a little bit more, a little bit less.\n\nYou still get the same government benefits to whatever fund you wanna go to. Yeah. Yeah. Correct. So it's not just linked to q super.\n\nIt used to be. Yeah. So it used to be only q super and your line of work, but they the government ended up changing that because I I rightly so, I I seem to agree with that, you know, which I don't agree with the government's decisions half the time more than that. But I do agree that it is your money. You cover 12% of your wage discount to to essentially put towards a retirement fund so that the government doesn't have to pay a pension.\n\nCorrect. Correct. So you should be able to not lose any benefits by being forced to stay with one super fund that's underperforming, let's say. It's your money. You should be able to get the same benefits and be able to get the same outcome as if you were with that fund or any other fund.\n\nThat's that 5% voluntary contribution you're already doing. If you do that to help '20 four, you will also get that benefit. Yep. Yep. Now what I wanted to point out as well, those projections in today's dollars for the future, like we explained before, and if you're looking at those contributions and insurance premiums, those contributions are gonna stay the exact set in the calculations of the projections.\n\nAgain, we try and be as conservative as possible. A good example of this is if you were to look at the statement of advice when you're going through it in your own time. If you go to Brendan's projections, I think it was page 18 or page 19, you'll see a comparison between the returns of c bus versus what we're recommending for him. So in twelve months, three year, five year, and ten year, need neither we didn't have the available kind of data for our ten year time horizons mostly because some of those investments weren't around back then. So it wouldn't give us a d wouldn't give us a relevant outcome.\n\nBut if you look at the twelve month projection, three year rolling average outcome of this is yeah. Correct. So so I could use a three year projection, but I've got we've got, like within our company, within OPU, it's it's kinda like a it's it's part of our procedures to always use either the lowest or the longest average return, especially if it's the lowest. So if if five year is the lowest and let's say we do have ten year data available data and it's, say, 10%, we would still use the five year data because it's 9.6% on our returns, and we do a like for like comparison compared to whatever fund we're recommending against. Because, again, I would rather give you a a lower number now that we can try and exceed rather than a nice big fluffy number now that we probably won't require reach.\n\nSo we always use the lowest amount, and that just turns out to be a five year rolling average. That's why there's a five year comparison moving forward into the future, what it looks like, and, you know, the what the effects of those fees would be in the beginning, but then the comparison and the outcome over the full time until you can access the superannuation inclusive of the insurances as well. Does that that that hopefully, it's kind of all coming together because I know there's a lot. Perfect. That's all I wanted to kind of just make sure that you understand.\n\nThe last thing before I let you go that I wanna work on, do you do you have any questions about I haven't gone through the investments as such, but in our next conversation, I know you're probably a little bit branded now right now. But I'm happy to go through the investments as well. They are different between yourself as well as Brandon because it's just because of the balance. So he's got a lower balance. I don't wanna cost too much on investment costs.\n\nYou've got a more comprehensive portfolio. Therefore, you get a better outcome. You know, better five year rolling return. Correct. So the last thing I wanna touch on is the fees.\n\nSo if we scroll all the way down that original document, again, we're more regulated than the pharmaceutical industry. And looking at the documents and everything we have to incorporate into this advice, you can probably understand where I'm coming from now. Right? But if you scroll all the way down past the wills, it's just on page 54. It says, like, establish your beneficiary nominations for the insurances and new funds if you go ahead with them.\n\nPage 57, it's a big gap. It's annoying when you do that and convert a Word document to PDF, and it ships everything around. But establish a will, and the benefits, outcomes, disadvantages, advantages, as well as alternatives considered after that. We we also recommend established power of attorney in case something happens to you both. We need to make sure that, one, we know what to do with the way to pay the money to, and two, what to do with it.\n\nAs on page 61, our ongoing service agreement just in writing on page 63 tells you what we do, that we're not a set and forget strategy. We can do pretty much anything you like. You're paying us, so use us. If you were to come on board, more important information, cooling off periods. But if you go to page 65, this is what we will get paid depending on what you wanna proceed with.\n\nLet me know when you're there. Remuneration. Correct. Yep. Essentially, fees.\n\nRemuneration fees is what we get remunerated by, how how we get remunerated. This is how we get back. Correct. So for this document, do you remember the stages, the roots, the the branching out, the all the different phases in the fees? So because this statement of advice we charge so it for the super and insurance, I I just throw in, you know, the recommendation of will and power of attorney in there just because it made sense.\n\nBut with the super insurance, the cost of preparing this document, we do complimentary because we wanna show that we can get you in a better position first and foremost with the increase of insurances. And that's what we've just done. If you were to look at cash on budgeting or leveraging, gearing, and personal investments, then we charge just to write this document, we charge anywhere from $1,650 out of pocket to $2,200 out of pocket. Because you're only focusing on super and insurance, we charge we only charge once you decide to proceed with something. Right?\n\nSo if you were to proceed with only the insurances, only the insurer will pay us. And they pay us 66% of whatever the premium is of whatever insurance policy we write upfront, which is for yourself for for Brendan, it's gonna be $2,482. We'll get paid that from the insurance company and nothing from you out of your super or out of back pocket. And then we will also get if we go ahead with your ClearView insurance policy, we get paid 66% of that first year premium, which is $3,056. Then there is the insurance company will essentially for the life of the policy, we will get paid 22% of that commission every year, which is, you know, what, $827 on the next page for Brendan's policy and $1,019 for your policy from Clearview every year moving forward for the life of the policy.\n\nSo that's how we get paid from the insurance company. You don't pay anything out of back pocket, but because we've looked at the insurance and managing the InsideSuper and the recommendation of superannuation, we've calculated these fees into those projection tables as well, like the one I just emailed you. Upfront, again, we charge for an individual client. Once you agree to proceed with if it were the super insurance, then we can charge this fee out of super. For an individual, we charge $4,500 plus GST or $4,950 for this document.\n\nBut if you're a couple and there's two clients, obviously, we want two lots of funds to grow, so it's more beneficial for everyone. Then we reduce that fee down from essentially $4,950 for one for an individual down to 3,300 per individual, which is reflected in there as well. Does that make sense? Beautiful. I wanna make sure that you understand as well.\n\nWithin the projection tables that I emailed through, the actual correct one again, sorry. Apologies about it. I don't know why I shipped it across. But the projection tables, that is inclusive where you can see the balance at the top. We've deducted that 3,300 from each of your super funds straight off the bat.\n\nAnd when we'll start with looking at the projections moving forward, that's comparison over five years, ten years, and thirty two years by the age of 60. That is net of all fees, platform fees, insurance premiums, as well as our fees. Okay? So that's an upfront cost, a flat rate of $36,600, 3,300 each for documents if you were to proceed with the super. And then the insurance add in the ongoing percentage based fee is at 1.5% plus GST, and it tears down the higher you grow because it gets pretty outrageous if we charge 1.65% on, you know, your outcome of 1.5 1,700,000 and then you know what I mean?\n\nWe we we start charging, like, $4,050,000 dollars a year. I wouldn't complain, but it just doesn't seem really reasonable to us. Does that make does that make sense? So, essentially, if you don't go ahead with the super and you only want us to write the insurances to get you covered and your family covered, well, you don't pay us a cent outside of super or out of your back pocket. The insurance company pays us only.\n\nBut then I also need I also wanna, you know, reflect what that looks like in the appendix if we were to write that cover and just key get your current super fund to pay for it. What what the app what the impact would be. That's that's those tables in the appendices. Cool. Does that all make sense?\n\nDo you have any questions? Amazing. I should probably get some dinner, and you guys should probably get some get to dinner too. So I do apologize for the time and the delay. I know we're supposed to kick off at five, but life and puppies and and technology gets in the way.\n\nYeah. Correct. Shit does happen. Exactly right. But, look, the the over remuneration instead of broken down between the implementation and then ongoing, I've done it for each of you.\n\nSo on the next page and then on the page after that, 69 shows the how to implement our advice if you were to go ahead with everything, step by step guide for who and when all the way down. And then the on page 71 is just essentially showing, look, if you do wanna proceed with everything, then we will just, you know, proceed. But in that little box above the finding area, we can outline, you know, you says, I have chosen to vary the recommendations in the supplies documents. And then we'll write down, look, I only wanna proceed with insurance or whatever it might be. Right?\n\nPerfect. Now I know that's a lot to take in. I don't want you to make a decision just yes on what to do moving forward, but Friday is the Gold Coast show day. So what how about this Thursday this week, or would you prefer to catch up just for a chat maybe Monday next week? What do you prefer?\n\nOkay. Beautiful. Monday, same time. You guys just okay. Yeah.\n\nYeah. Absolutely. Money never sleeps in my world, and it's it's 08:00 at night. You know, we do this. I do I do, like, maybe five I used to do five to seven of these a day.\n\nSo, honestly, anytime whenever it suits you. Okay. Well, if Brendan's okay with me to having that discussion with you, if he's if he comes to decision or whatever you guys come to decision on, then we will need to see him send you his ID and, oh, you've already sent through IDs. We're gonna need those. And you've got tax on number.\n\nThat's all good from an AML point of view. I will need to just ask a question there for again, compliance is everything in our world. So I will need to speak to him, and I will need to get him to sign up on the documents that you would have received. Again, I'm gonna resend them because I wanna update the document with that table shifted. Amazing.\n\nI'll give you a call, and if he's okay with that, then I'll give you a call at 09:30 on Monday, thirty first. How does that sound? That's right. Not a problem at all. I apologize for taking my time too.\n\nI'll speak to you guys next well, I'll speak to yourself first and next week. Thank you for your patience. I really appreciate it. And, yeah, we'll we'll have a chat then. Alright?\n\nAmazing. Enjoy the rest of your night. See you. Bye.","paragraphs":[{"sentences":[{"text":"Caden?","start":0.96,"end":1.46,"sentiment":"neutral","sentiment_score":0.00863767322152853},{"text":"Amazing.","start":3.9199998,"end":4.42,"sentiment":"positive","sentiment_score":0.6273542642593384},{"text":"Can you please do me a favor?","start":4.48,"end":6.02,"sentiment":"neutral","sentiment_score":0.27050463429519106},{"text":"Okay.","start":7.52,"end":8.02,"sentiment":"neutral","sentiment_score":0.030519999563694},{"text":"So in the soft file, I've had to update the SOA.","start":8.16,"end":14.98,"sentiment":"neutral","sentiment_score":0.0161879585463215}],"sentiment":"neutral","sentiment_score":0.13038628195811594,"num_words":21,"start":0.96,"end":14.98},{"sentences":[{"text":"So in the soft file, there is a folder called the hold up.","start":15.465,"end":21.225,"sentiment":"neutral","sentiment_score":0.009594427708249826},{"text":"Hold up.","start":21.225,"end":21.965,"sentiment":"neutral","sentiment_score":0.003935233689844608},{"text":"There is a folder called s zed in Madison, Svanio CEOs folder.","start":22.265,"end":29.085,"sentiment":"neutral","sentiment_score":0.01222487670990328},{"text":"There is a in the research working papers s z s o a.","start":29.699999,"end":37.54,"sentiment":"neutral","sentiment_score":0.012919503837250747},{"text":"Can you please upload go into their go into their OdooSign template.","start":37.54,"end":45.515,"sentiment":"neutral","sentiment_score":0.012925507655988136}],"sentiment":"neutral","sentiment_score":0.011583772881959494,"num_words":52,"start":15.465,"end":45.515},{"sentences":[{"text":"Can you please upload those two documents for signing and put them at the top?","start":46.615,"end":53.835,"sentiment":"neutral","sentiment_score":0.015095095708966255},{"text":"And then put the signatures there and everything and send the whole pack out.","start":57.52,"end":61.699997,"sentiment":"neutral","sentiment_score":0.005019256046840123},{"text":"I'm just saying that I've had a problem with my portal, which I have.","start":62.239998,"end":65.7,"sentiment":"neutral","sentiment_score":-0.16467225551605225},{"text":"Yeah.","start":66.88,"end":67.28,"sentiment":"neutral","sentiment_score":-0.03264394402503967},{"text":"I'll stay on yep.","start":67.28,"end":69.28,"sentiment":"neutral","sentiment_score":-0.014955103164538741}],"sentiment":"neutral","sentiment_score":-0.04377458153370147,"num_words":48,"start":46.615,"end":69.28},{"sentences":[{"text":"That's all good.","start":69.28,"end":70.259995,"sentiment":"neutral","sentiment_score":0.051683361331621804},{"text":"I need that.","start":71.2,"end":72.215,"sentiment":"neutral","sentiment_score":-0.03771063437064489},{"text":"Hold on.","start":72.215,"end":72.375,"sentiment":"neutral","sentiment_score":-0.02622397243976593},{"text":"Hold on.","start":72.375,"end":73.274994,"sentiment":"neutral","sentiment_score":-0.03480944223701954},{"text":"Fuck's sakes.","start":73.41499,"end":74.314995,"sentiment":"neutral","sentiment_score":-0.20749728381633759}],"sentiment":"neutral","sentiment_score":-0.04126193467527628,"num_words":12,"start":69.28,"end":74.314995},{"sentences":[{"text":"There's no replacing.","start":76.215,"end":77.435,"sentiment":"neutral","sentiment_score":-0.0688004270195961},{"text":"I should have already deleted them out.","start":77.655,"end":79.755,"sentiment":"neutral","sentiment_score":-0.09312199907643455},{"text":"I just need the ones in there.","start":80.05499,"end":81.835,"sentiment":"neutral","sentiment_score":-0.05627869548542159},{"text":"And then please move them to the top.","start":86.840004,"end":88.700005,"sentiment":"neutral","sentiment_score":-0.020921489340253174},{"text":"And make sure it's the s zed s o a ones, please.","start":91.880005,"end":96.14,"sentiment":"neutral","sentiment_score":0.016876932155961793}],"sentiment":"neutral","sentiment_score":-0.03289337491465581,"num_words":37,"start":76.215,"end":96.14},{"sentences":[{"text":"The SOA appendix is the top one.","start":105.755,"end":107.775,"sentiment":"neutral","sentiment_score":0.22263582263674056},{"text":"Beautiful.","start":109.515,"end":110.015,"sentiment":"positive","sentiment_score":0.4377120435237885},{"text":"Amazing.","start":116.18,"end":116.68,"sentiment":"positive","sentiment_score":0.45742398500442505},{"text":"Please put it on and send it through.","start":116.74,"end":118.42,"sentiment":"neutral","sentiment_score":0.2326191309839487},{"text":"I'll start speaking to them now.","start":118.42,"end":120.04,"sentiment":"neutral","sentiment_score":0.126857856909434}],"sentiment":"neutral","sentiment_score":0.220682042448417,"num_words":23,"start":105.755,"end":120.04},{"sentences":[{"text":"Thank you.","start":121.3,"end":121.78,"sentiment":"neutral","sentiment_score":0.29713040590286255},{"text":"Done.","start":121.78,"end":122.28,"sentiment":"neutral","sentiment_score":0.1776643991470337},{"text":"Go.","start":122.5,"end":123.0,"sentiment":"neutral","sentiment_score":0.0953635275363922},{"text":"Send just send him through.","start":123.06,"end":124.42,"sentiment":"neutral","sentiment_score":0.09145796447992324},{"text":"Thank you.","start":124.42,"end":125.16,"sentiment":"neutral","sentiment_score":0.2548818960785866}],"sentiment":"neutral","sentiment_score":0.16675839573144913,"num_words":11,"start":121.3,"end":125.16},{"sentences":[{"text":"Hey.","start":127.7,"end":128.2,"sentiment":"neutral","sentiment_score":0.0904175192117691},{"text":"Hey then, Madison.","start":129.94,"end":131.41501,"sentiment":"neutral","sentiment_score":0.06892696643869083},{"text":"How are you?","start":131.41501,"end":132.315,"sentiment":"neutral","sentiment_score":0.0855078399181366},{"text":"That's okay.","start":135.255,"end":135.895,"sentiment":"neutral","sentiment_score":-0.029610528610646725},{"text":"We've been going back and forth, and then started making funny noises and beep beepiness.","start":135.895,"end":140.15501,"sentiment":"negative","sentiment_score":-0.3389895637830099}],"sentiment":"neutral","sentiment_score":-0.19126427398684123,"num_words":24,"start":127.7,"end":140.15501},{"sentences":[{"text":"I'm not too sure what's going on.","start":140.375,"end":141.815,"sentiment":"negative","sentiment_score":-0.4097648859024048},{"text":"It must be my Internet or something's happening, but the exact same person that you just spoke to, Caden, he is all over, and he was actually uploading everything for us as we speak.","start":141.815,"end":154.03,"sentiment":"neutral","sentiment_score":-0.10667357900563408},{"text":"So I was just kind of sitting, twiddling my fingers, and just just holding off.","start":154.03,"end":158.985,"sentiment":"neutral","sentiment_score":0.044663026183843615},{"text":"So you should receive something fairly soon.","start":159.465,"end":162.925,"sentiment":"neutral","sentiment_score":0.1336260118654796},{"text":"Either way, I'm just in the middle of drawing up a email to send that so that it's at some point, you'll receive one of the one of the two so we can go through the recommendations, and we all can get to dinner and everything else.","start":163.145,"end":176.01001,"sentiment":"neutral","sentiment_score":0.2142078058913033}],"sentiment":"neutral","sentiment_score":0.047071258774535225,"num_words":110,"start":140.375,"end":176.01001},{"sentences":[{"text":"Beautiful.","start":178.15001,"end":178.63,"sentiment":"positive","sentiment_score":0.5512083172798157},{"text":"I do apologize what's going on.","start":178.63,"end":180.55,"sentiment":"neutral","sentiment_score":-0.03265463778128227},{"text":"Here I am.","start":180.55,"end":181.03,"sentiment":"neutral","sentiment_score":-0.04215956168870131},{"text":"You know what?","start":181.03,"end":181.43001,"sentiment":"neutral","sentiment_score":-0.03901466354727745},{"text":"I might have to get in touch with Starlink because it might have something to do with that.","start":181.43001,"end":185.45001,"sentiment":"neutral","sentiment_score":-0.0660519101139572}],"sentiment":"neutral","sentiment_score":-0.034747631198936896,"num_words":31,"start":178.15001,"end":185.45001},{"sentences":[{"text":"Alright.","start":186.63,"end":187.03,"sentiment":"neutral","sentiment_score":0.07198172062635422},{"text":"I must firstly I must firstly apologize for Glenn presenting your recommendations this evening as discussed.","start":187.03,"end":193.205,"sentiment":"neutral","sentiment_score":-0.036019101506099105},{"text":"Please see attached.","start":194.38501,"end":195.925,"sentiment":"neutral","sentiment_score":0.03277772354582945},{"text":"Look.","start":196.225,"end":196.465,"sentiment":"neutral","sentiment_score":0.16039201617240906},{"text":"I'm just gonna send you just something really quick and easy so that we can get into it.","start":196.465,"end":201.5,"sentiment":"neutral","sentiment_score":0.2609636088212331}],"sentiment":"neutral","sentiment_score":0.11414733954156056,"num_words":39,"start":186.63,"end":201.5},{"sentences":[{"text":"Okay?","start":201.5,"end":202.0,"sentiment":"neutral","sentiment_score":0.14521253108978271},{"text":"Amazing.","start":204.14,"end":204.64,"sentiment":"positive","sentiment_score":0.582374095916748},{"text":"Alright.","start":208.3,"end":208.78,"sentiment":"neutral","sentiment_score":0.28790614008903503},{"text":"There is that.","start":208.78,"end":209.74,"sentiment":"neutral","sentiment_score":0.22545835375785828},{"text":"And I also attached the appendix.","start":209.74,"end":212.16,"sentiment":"neutral","sentiment_score":0.10971322283148766}],"sentiment":"neutral","sentiment_score":0.1958455971131722,"num_words":12,"start":201.5,"end":212.16},{"sentences":[{"text":"So at least you've got it via email, and I'll cc Brendan in as well.","start":212.55501,"end":216.975,"sentiment":"neutral","sentiment_score":0.12119530290365219},{"text":"And appendix.","start":221.595,"end":222.49501,"sentiment":"neutral","sentiment_score":0.06789157912135124},{"text":"Amazing.","start":222.71501,"end":223.21501,"sentiment":"positive","sentiment_score":0.4377824664115906},{"text":"Alright.","start":225.09999,"end":225.59999,"sentiment":"neutral","sentiment_score":0.24906548857688904},{"text":"So I've just sent that out via email.","start":225.66,"end":228.64,"sentiment":"neutral","sentiment_score":0.20541559346020222}],"sentiment":"neutral","sentiment_score":0.15866242238768824,"num_words":27,"start":212.55501,"end":228.64},{"sentences":[{"text":"So let me know when you have received or sent it to madison_o8@hotmail.com.","start":230.06,"end":235.59999,"sentiment":"neutral","sentiment_score":0.12902982590290216},{"text":"Yeah.","start":242.955,"end":243.435,"sentiment":"neutral","sentiment_score":-0.1072143167257309},{"text":"This is so when it comes through for once you kind of move do you you use Hotmail?","start":243.435,"end":249.035,"sentiment":"neutral","sentiment_score":-0.08278273542722066},{"text":"Obviously, on Gmail, it carries on going to spam or junk until you actually right click and say move to inbox.","start":249.035,"end":254.52,"sentiment":"neutral","sentiment_score":-0.2072720236721493},{"text":"So it might be the same with Hot Hotmail.","start":254.76001,"end":256.54,"sentiment":"neutral","sentiment_score":-0.12379678255981869}],"sentiment":"neutral","sentiment_score":-0.08688386061018513,"num_words":62,"start":230.06,"end":256.54},{"sentences":[{"text":"I'm not too sure.","start":256.76,"end":257.82,"sentiment":"neutral","sentiment_score":-0.16118385270237923},{"text":"Maybe give it a refresh as well.","start":265.96,"end":267.915,"sentiment":"neutral","sentiment_score":-0.16583530391965592},{"text":"That's okay.","start":271.515,"end":271.995,"sentiment":"neutral","sentiment_score":-0.032831596210598946},{"text":"It's a fairly large document.","start":271.995,"end":273.435,"sentiment":"neutral","sentiment_score":-0.09236715286970139},{"text":"Don't be too intimidated by it.","start":273.435,"end":276.875,"sentiment":"neutral","sentiment_score":-0.19376298040151596}],"sentiment":"neutral","sentiment_score":-0.14565247405941287,"num_words":24,"start":256.76,"end":276.875},{"sentences":[{"text":"It's, yeah, it's it's about let's see how many pages.","start":276.875,"end":280.575,"sentiment":"neutral","sentiment_score":0.0371108153834939},{"text":"I'll open it up in my mind.","start":281.915,"end":283.35,"sentiment":"neutral","sentiment_score":0.04281823124204363},{"text":"About sixty days a month.","start":285.03,"end":286.39,"sentiment":"neutral","sentiment_score":0.016820240765810013},{"text":"So I pay you more because dual we call you guys dual clients.","start":286.39,"end":291.03,"sentiment":"neutral","sentiment_score":0.07583712929716477},{"text":"So we do not only a recommendation for yourself, we have to do one for each of you.","start":291.03,"end":295.91,"sentiment":"neutral","sentiment_score":0.15106471255421638}],"sentiment":"neutral","sentiment_score":0.08415065062636475,"num_words":53,"start":276.875,"end":295.91},{"sentences":[{"text":"So I've done obviously a super recommendation with the inclusion of insurances, but then I can walk you through the insurances, which is the primarily what you're looking for.","start":295.91,"end":305.535,"sentiment":"neutral","sentiment_score":0.22278417081668458},{"text":"Right?","start":305.535,"end":306.035,"sentiment":"neutral","sentiment_score":0.1514560729265213},{"text":"Yep.","start":309.215,"end":309.455,"sentiment":"positive","sentiment_score":0.34933003783226013},{"text":"Let me know when you got it through.","start":309.455,"end":311.235,"sentiment":"neutral","sentiment_score":0.2503764536231756},{"text":"Amazing.","start":312.94,"end":313.42,"sentiment":"positive","sentiment_score":0.5443863868713379}],"sentiment":"neutral","sentiment_score":0.23772312700748444,"num_words":40,"start":295.91,"end":313.42},{"sentences":[{"text":"Do you get the email?","start":313.42,"end":314.46002,"sentiment":"neutral","sentiment_score":0.13816210627555847},{"text":"Which email are you looking at?","start":314.46002,"end":316.0,"sentiment":"neutral","sentiment_score":0.02803925797343254},{"text":"The sign in one or my one?","start":316.14,"end":318.0,"sentiment":"neutral","sentiment_score":0.038756312536341805},{"text":"My one.","start":320.30002,"end":320.86002,"sentiment":"neutral","sentiment_score":0.1879349648952484},{"text":"Beautiful.","start":320.86002,"end":321.36002,"sentiment":"positive","sentiment_score":0.4945493638515472}],"sentiment":"neutral","sentiment_score":0.0952742647911821,"num_words":21,"start":313.42,"end":321.36002},{"sentences":[{"text":"Okay.","start":321.58002,"end":322.08002,"sentiment":"neutral","sentiment_score":0.16885316371917725},{"text":"So the first documents, the twenty twenty six zero eight twenty four statement of advice, Brendan Madison, PDF.","start":322.14,"end":328.075,"sentiment":"neutral","sentiment_score":0.09427077737119463},{"text":"Beautiful.","start":333.575,"end":334.075,"sentiment":"positive","sentiment_score":0.4822656810283661},{"text":"Okay.","start":335.975,"end":336.475,"sentiment":"neutral","sentiment_score":0.16733643412590027},{"text":"So if you open that up, you should be looking at let me just make sure that this is the correct one.","start":338.06998,"end":344.88998,"sentiment":"neutral","sentiment_score":0.03298769044605168}],"sentiment":"neutral","sentiment_score":0.07537345258995544,"num_words":43,"start":321.58002,"end":344.88998},{"sentences":[{"text":"Alright.","start":347.27,"end":347.77,"sentiment":"neutral","sentiment_score":0.044497668743133545},{"text":"So are you looking at the front page, which is the, yeah, amazing Gold Coast and all the bits and pieces?","start":347.83,"end":354.025,"sentiment":"neutral","sentiment_score":0.16099079334664912},{"text":"Perfect.","start":356.325,"end":356.825,"sentiment":"positive","sentiment_score":0.33677029609680176},{"text":"Alright.","start":356.885,"end":357.385,"sentiment":"neutral","sentiment_score":0.153935045003891},{"text":"So this is essentially called a statement of advice.","start":357.445,"end":360.345,"sentiment":"neutral","sentiment_score":0.12520865433745915}],"sentiment":"neutral","sentiment_score":0.15281477452001788,"num_words":33,"start":347.27,"end":360.345},{"sentences":[{"text":"It is a legally binding document, which just pretty much outlines our recommendations in writing.","start":360.48502,"end":367.97,"sentiment":"neutral","sentiment_score":0.1347132682800293},{"text":"And the main reason why we do all sorts of personalized financial advice by this matter is to make sure that not only you are protected, but we're protected too.","start":369.55002,"end":378.99002,"sentiment":"neutral","sentiment_score":0.1571391448378563},{"text":"You know, if we say we recommend this, but I see and well, you say I recommended something and and I say I didn't.","start":378.99002,"end":386.065,"sentiment":"neutral","sentiment_score":0.04341701767407358},{"text":"It's all just hearsay.","start":386.065,"end":387.285,"sentiment":"neutral","sentiment_score":0.02090082224458456},{"text":"So the government decided to formalize it and make sure that when we're giving advice on, you know, clients' literal future and their lives, We do it as compliantly and formally as possible.","start":387.345,"end":399.08,"sentiment":"neutral","sentiment_score":0.13435566335013419}],"sentiment":"neutral","sentiment_score":0.11598322616081755,"num_words":106,"start":360.48502,"end":399.08},{"sentences":[{"text":"Okay?","start":399.3,"end":399.8,"sentiment":"neutral","sentiment_score":0.08128958940505981},{"text":"So this is this is this document.","start":400.02,"end":401.63998,"sentiment":"neutral","sentiment_score":0.10070815682411194},{"text":"The it is prepared for yourself as well as Brandon Smith on the August 25.","start":402.1,"end":407.38,"sentiment":"neutral","sentiment_score":0.11667774717013041},{"text":"It's prepared by myself, Severiano Zata, and my authorized representative number ASIC in the federal government is 1259315.","start":407.38,"end":415.155,"sentiment":"neutral","sentiment_score":0.10603678474823634},{"text":"I am licensed under Oakview Financial as an Australian financial services license.","start":415.375,"end":420.035,"sentiment":"neutral","sentiment_score":0.10080947672637801}],"sentiment":"neutral","sentiment_score":0.10669412718699225,"num_words":53,"start":399.3,"end":420.035},{"sentences":[{"text":"And all of our details, including the AFSL license number under ASIC is right there on the front page.","start":420.575,"end":427.47,"sentiment":"neutral","sentiment_score":0.04388171061873436},{"text":"Beautiful.","start":429.31,"end":429.81,"sentiment":"positive","sentiment_score":0.6546468734741211},{"text":"Alright.","start":430.03,"end":430.53,"sentiment":"neutral","sentiment_score":0.2816776633262634},{"text":"So this next page, let's just skip through page by page.","start":430.67,"end":434.27,"sentiment":"neutral","sentiment_score":0.08312684873288329},{"text":"So the next page just outlines this document.","start":434.27,"end":436.59,"sentiment":"neutral","sentiment_score":0.060374584048986435}],"sentiment":"neutral","sentiment_score":0.07918672617524862,"num_words":40,"start":420.575,"end":436.59},{"sentences":[{"text":"So this document is exactly what I just discussed.","start":436.59,"end":439.17,"sentiment":"neutral","sentiment_score":0.14288324117660522},{"text":"But more importantly, best interest duty, it just outlines what our common law judiciary duty is.","start":440.19,"end":447.385,"sentiment":"neutral","sentiment_score":0.06805171188898385},{"text":"So that number that I have, the 1259315, when you do all the degrees and the the professional year and you actually get this kind of number given to you or awarded by ASIC and the federal government.","start":447.605,"end":460.55,"sentiment":"neutral","sentiment_score":0.07039922632669147},{"text":"We that's not quite as full on as lawyers where they go to the bar and kind of put their hands up and and put their hand on the bible and things like that.","start":461.01,"end":467.895,"sentiment":"neutral","sentiment_score":-0.09571516628870193},{"text":"But, yeah, it just gives us the authority to give financial advice.","start":468.13498,"end":472.13498,"sentiment":"neutral","sentiment_score":0.023454224380354088}],"sentiment":"neutral","sentiment_score":0.019055799999778425,"num_words":109,"start":436.59,"end":472.13498},{"sentences":[{"text":"But in doing so, we need to make sure that we look after your best interest and nobody else's best interest, including my own.","start":472.13498,"end":478.29498,"sentiment":"neutral","sentiment_score":-0.024806040960053604},{"text":"Because if I look after my best interest to get paid or something along those lines or something someone else, next to neighbor, then I will lose that 125 license number, and I'll never be able to practice again.","start":478.29498,"end":490.62,"sentiment":"neutral","sentiment_score":-0.23936303857809457},{"text":"And I'll lose my company.","start":490.62,"end":492.63998,"sentiment":"neutral","sentiment_score":-0.295038515329361},{"text":"And I like you guys so far, but I don't like you that much.","start":492.78,"end":496.22,"sentiment":"negative","sentiment_score":-0.47709778589861734},{"text":"So I won't be doing anything like that.","start":496.22,"end":499.03998,"sentiment":"neutral","sentiment_score":-0.3173793572932482}],"sentiment":"neutral","sentiment_score":-0.22915666583511565,"num_words":90,"start":472.13498,"end":499.03998},{"sentences":[{"text":"But it just outlines in writing what the corporations act outlines as best interest standards and what we need to do to satisfy them.","start":499.145,"end":508.585,"sentiment":"neutral","sentiment_score":-0.06962046989550193},{"text":"Okay?","start":508.585,"end":509.085,"sentiment":"neutral","sentiment_score":0.008712280541658401},{"text":"Beautiful.","start":510.185,"end":510.685,"sentiment":"positive","sentiment_score":0.3862822353839874},{"text":"Now next next page is just table of contents, pretty self explanatory.","start":511.145,"end":515.93,"sentiment":"neutral","sentiment_score":0.1304966521759828},{"text":"The page after that is looking at the scope of advice.","start":517.91,"end":520.81,"sentiment":"neutral","sentiment_score":0.08321359618143602}],"sentiment":"neutral","sentiment_score":0.024600257602881412,"num_words":49,"start":499.145,"end":520.81},{"sentences":[{"text":"Now what we've considered and what we haven't considered in regards to your goals and objectives.","start":520.95,"end":525.52997,"sentiment":"neutral","sentiment_score":0.09148219972848892},{"text":"Okay?","start":526.375,"end":526.875,"sentiment":"neutral","sentiment_score":0.08961410075426102},{"text":"So and just keep in mind, if you have any questions along the way or would like to discuss anything, just don't hesitate to reach out.","start":527.65497,"end":533.255,"sentiment":"neutral","sentiment_score":0.1562934615291082},{"text":"That's kind of, you know, what what what what this whole conversation's about.","start":533.255,"end":537.415,"sentiment":"neutral","sentiment_score":0.10458495639837705},{"text":"Okay?","start":537.415,"end":537.735,"sentiment":"neutral","sentiment_score":0.06195727735757828}],"sentiment":"neutral","sentiment_score":0.1234828246790066,"num_words":57,"start":520.95,"end":537.735},{"sentences":[{"text":"It's not one of those things where you hold up till the end.","start":537.735,"end":540.235,"sentiment":"neutral","sentiment_score":0.013639221970851604},{"text":"If you wanna ask something, just let me know.","start":540.35004,"end":542.19,"sentiment":"neutral","sentiment_score":0.10874288115236494},{"text":"Okay?","start":542.19,"end":542.69,"sentiment":"neutral","sentiment_score":0.11971485614776611},{"text":"Beautiful.","start":544.35004,"end":544.85004,"sentiment":"positive","sentiment_score":0.3853743076324463},{"text":"Is Brendan there as well?","start":545.47003,"end":546.93,"sentiment":"neutral","sentiment_score":0.12051487863063812}],"sentiment":"neutral","sentiment_score":0.07805721975606063,"num_words":29,"start":537.735,"end":546.93},{"sentences":[{"text":"That that's alright.","start":549.95,"end":551.39,"sentiment":"neutral","sentiment_score":0.04990449734032154},{"text":"I'll tell you what.","start":551.39,"end":552.03,"sentiment":"neutral","sentiment_score":0.10758601687848568},{"text":"We'll just go through step by step because he is first on the documents.","start":552.03,"end":555.49,"sentiment":"neutral","sentiment_score":0.10891884485525745},{"text":"But I can go through your recommendations, and then I can just kind of to walk you through Brendan as well.","start":556.33496,"end":561.375,"sentiment":"neutral","sentiment_score":0.12665416867960066},{"text":"All the whole document, as you said, you kinda look after this side of the things.","start":561.375,"end":565.295,"sentiment":"neutral","sentiment_score":0.09277544193901122}],"sentiment":"neutral","sentiment_score":0.10774251725524664,"num_words":58,"start":549.95,"end":565.295},{"sentences":[{"text":"So entirely up to you.","start":565.295,"end":567.395,"sentiment":"neutral","sentiment_score":0.08103562891483307},{"text":"Yeah.","start":572.26,"end":572.58,"sentiment":"neutral","sentiment_score":0.05834577605128288},{"text":"Beautiful.","start":572.58,"end":573.08,"sentiment":"neutral","sentiment_score":0.2593623697757721},{"text":"Yeah.","start":574.58,"end":575.08,"sentiment":"neutral","sentiment_score":0.060627371072769165},{"text":"Yeah.","start":575.30005,"end":575.62,"sentiment":"neutral","sentiment_score":0.04209098219871521}],"sentiment":"neutral","sentiment_score":0.0917338492969672,"num_words":9,"start":565.295,"end":575.62},{"sentences":[{"text":"No.","start":575.62,"end":575.78,"sentiment":"neutral","sentiment_score":0.011320160701870918},{"text":"That's alright.","start":575.78,"end":576.42004,"sentiment":"neutral","sentiment_score":0.034133393317461014},{"text":"Alright.","start":576.42004,"end":576.92004,"sentiment":"neutral","sentiment_score":0.07710160315036774},{"text":"So I'm looking at your scope of advice.","start":577.06,"end":580.10004,"sentiment":"neutral","sentiment_score":0.05861073127016425},{"text":"What we're considering is superannuation.","start":580.10004,"end":581.56,"sentiment":"neutral","sentiment_score":0.061209002137184144}],"sentiment":"neutral","sentiment_score":0.05480114184319973,"num_words":17,"start":575.62,"end":581.56},{"sentences":[{"text":"The reason why we're including superannuation is because you had insurances within that superannuation.","start":581.94,"end":586.315,"sentiment":"neutral","sentiment_score":0.0798080824315548},{"text":"Like I said, I've done a recommendation of an alternate super fund for both of you.","start":587.495,"end":591.735,"sentiment":"neutral","sentiment_score":0.1554439514875412},{"text":"You actually get discounts.","start":591.735,"end":592.775,"sentiment":"neutral","sentiment_score":0.25553033873438835},{"text":"So it's the same super fund for both because you get a family kind of discounting, made it cheaper than what you currently have within the industry fund and to get better return as well just for your consideration.","start":592.775,"end":603.35004,"sentiment":"neutral","sentiment_score":0.28103136710631543},{"text":"But we have to address the super because we're addressing the insurances.","start":603.41003,"end":607.43,"sentiment":"neutral","sentiment_score":-0.009184113354422152}],"sentiment":"neutral","sentiment_score":0.18207707870203782,"num_words":85,"start":581.94,"end":607.43},{"sentences":[{"text":"Okay.","start":607.73004,"end":607.97003,"sentiment":"neutral","sentiment_score":0.04737053066492081},{"text":"They kinda go hand in hand.","start":607.97003,"end":609.345,"sentiment":"neutral","sentiment_score":0.06573257222771645},{"text":"The main reason for that is because of those goals.","start":610.545,"end":612.46497,"sentiment":"neutral","sentiment_score":0.12028882652521133},{"text":"You want to ensure that your superannuation arrangements are appropriate, especially over the longer term because you're looking at those insurances and the reasons why we scoped it in, which I just explained.","start":612.46497,"end":623.20496,"sentiment":"neutral","sentiment_score":0.13726157582167423},{"text":"But on the next page is your insurance.","start":623.55,"end":625.49,"sentiment":"neutral","sentiment_score":0.006243075942620637}],"sentiment":"neutral","sentiment_score":0.10731432480930254,"num_words":58,"start":607.73004,"end":625.49},{"sentences":[{"text":"Our goals so our priority is to make sure that we and our young family are financially protected if either of us dies become seriously ill or injured, becomes permanently disabled, or unable to work for an extended period of time.","start":625.95,"end":638.175,"sentiment":"neutral","sentiment_score":-0.025866466778807523},{"text":"We would like to understand the appropriate levels of life and total point of stability, income protection, critical illness cover, which is all of them, taking into consideration our mortgage income and ongoing household expenditure for future needs for our children as well.","start":638.735,"end":653.34,"sentiment":"neutral","sentiment_score":0.08500785155351771},{"text":"Does that make sense?","start":653.74005,"end":654.64,"sentiment":"neutral","sentiment_score":0.0930437222123146},{"text":"Is that kind of we're hitting nail on the head?","start":656.22003,"end":658.46,"sentiment":"neutral","sentiment_score":-0.2653666824102402},{"text":"Is that on the money?","start":658.46,"end":659.42004,"sentiment":"neutral","sentiment_score":-0.19034982919692994}],"sentiment":"neutral","sentiment_score":-0.006198335945316889,"num_words":103,"start":625.95,"end":659.42004},{"sentences":[{"text":"Or yeah.","start":659.42004,"end":661.98004,"sentiment":"neutral","sentiment_score":0.058426156640052795},{"text":"Beautiful.","start":661.98004,"end":662.48004,"sentiment":"positive","sentiment_score":0.5087802410125732},{"text":"What I've also put in there is estate planning.","start":663.10004,"end":665.76,"sentiment":"neutral","sentiment_score":0.11319039596451654},{"text":"I know that you said we're in our discussions that you wanted to have a look at some sort of, you know, will, power of attorney, stuff like that.","start":665.82,"end":675.555,"sentiment":"neutral","sentiment_score":0.014806316330515105},{"text":"So I thought I might just put something.","start":675.555,"end":677.815,"sentiment":"neutral","sentiment_score":0.09124256810173392}],"sentiment":"neutral","sentiment_score":0.057217751762696674,"num_words":49,"start":659.42004,"end":677.815},{"sentences":[{"text":"Okay.","start":682.97003,"end":683.29,"sentiment":"neutral","sentiment_score":0.12307395786046982},{"text":"Well, we would have referred you over to a lawyer with the with the kids.","start":683.29,"end":687.07,"sentiment":"neutral","sentiment_score":0.19439690361420314},{"text":"So definitely so you you've actually saved on doing this through through those guys for free because the people I refer you over to is pretty comprehensive.","start":687.13,"end":699.70496,"sentiment":"positive","sentiment_score":0.5334011084503598},{"text":"It's full on.","start":699.925,"end":701.20496,"sentiment":"positive","sentiment_score":0.40489978591601056},{"text":"Digly binding document can can get you know, depending on the complexity, it can get to $10 sometimes.","start":701.20496,"end":707.045,"sentiment":"neutral","sentiment_score":0.0689503052789304}],"sentiment":"neutral","sentiment_score":0.3108853483281564,"num_words":64,"start":682.97003,"end":707.045},{"sentences":[{"text":"You know?","start":707.045,"end":707.70496,"sentiment":"neutral","sentiment_score":0.04916634410619736},{"text":"With with your guys, or did you want me to refer over?","start":713.13,"end":717.29,"sentiment":"neutral","sentiment_score":0.08814937435090542},{"text":"I'll go with the free version, to be honest.","start":717.29,"end":719.23,"sentiment":"neutral","sentiment_score":0.16092833545472887},{"text":"Oh, yeah.","start":721.13495,"end":721.535,"sentiment":"neutral","sentiment_score":0.150468111038208},{"text":"Absolute.","start":721.535,"end":722.035,"sentiment":"neutral","sentiment_score":0.19551455974578855}],"sentiment":"neutral","sentiment_score":0.11926657620530862,"num_words":26,"start":707.045,"end":722.035},{"sentences":[{"text":"Absolute absolutely it is.","start":722.175,"end":723.615,"sentiment":"positive","sentiment_score":0.42890387773513794},{"text":"Yeah.","start":723.615,"end":723.855,"sentiment":"neutral","sentiment_score":0.24815715849399567},{"text":"Yeah.","start":723.855,"end":723.935,"sentiment":"neutral","sentiment_score":0.22926907241344452},{"text":"Yeah.","start":723.935,"end":724.255,"sentiment":"neutral","sentiment_score":0.20263826847076416},{"text":"So, again, this is just just yeah.","start":724.255,"end":728.255,"sentiment":"neutral","sentiment_score":0.2877153073038374}],"sentiment":"neutral","sentiment_score":0.3149776543889727,"num_words":14,"start":722.175,"end":728.255},{"sentences":[{"text":"Correct.","start":728.255,"end":728.755,"sentiment":"positive","sentiment_score":0.39522117376327515},{"text":"Absolutely.","start":728.89496,"end":729.39496,"sentiment":"positive","sentiment_score":0.535295844078064},{"text":"You do that.","start":729.69495,"end":730.57495,"sentiment":"positive","sentiment_score":0.5047793984413147},{"text":"You use that to your benefit.","start":730.57495,"end":731.875,"sentiment":"positive","sentiment_score":0.4592788716157277},{"text":"Yeah.","start":732.89496,"end":733.295,"sentiment":"neutral","sentiment_score":0.21856945753097537}],"sentiment":"positive","sentiment_score":0.45159149169921875,"num_words":12,"start":728.255,"end":733.295},{"sentences":[{"text":"So, again, this is just these are just recommendations, and I've given some alternatives for it as well, which I'll go through at the end.","start":733.295,"end":740.23,"sentiment":"neutral","sentiment_score":0.14970579117536545},{"text":"But this is the you don't have to go ahead with everything.","start":740.44995,"end":743.81,"sentiment":"neutral","sentiment_score":0.09180315335591634},{"text":"It's it's sectioned out for one, Brandon's Super, two, Your Super, three, Brandon's insurance recommendations, four, your recommendations, four insurances, and it's kinda staged out.","start":743.81,"end":755.825,"sentiment":"neutral","sentiment_score":0.11398112326860428},{"text":"So at the end, you can go ahead with with none of it, only the insurances.","start":755.825,"end":759.525,"sentiment":"neutral","sentiment_score":0.19912046985700727},{"text":"All of it's it's entirely up to you.","start":759.66504,"end":762.16504,"sentiment":"neutral","sentiment_score":0.2198223415762186}],"sentiment":"neutral","sentiment_score":0.14695717385688492,"num_words":86,"start":733.295,"end":762.16504},{"sentences":[{"text":"Okay?","start":764.88,"end":765.38,"sentiment":"neutral","sentiment_score":0.2696581780910492},{"text":"So, yes, absolutely.","start":765.44,"end":766.66,"sentiment":"neutral","sentiment_score":0.28619174162546795},{"text":"So I guess I scoped in estate planning because it's whether you get it with somebody we refer over to or somebody else, I'm just recommending that you set up a will and power of attorney, not actually us doing it.","start":767.6,"end":781.405,"sentiment":"neutral","sentiment_score":0.10944955378043943},{"text":"You know what I mean?","start":781.405,"end":782.445,"sentiment":"neutral","sentiment_score":-0.005033070035278797},{"text":"So that's that's the scope of advice just to make sure you're completely protected, especially if we're looking at writing insurances.","start":782.445,"end":788.78503,"sentiment":"neutral","sentiment_score":0.08476724174051058}],"sentiment":"neutral","sentiment_score":0.10381143428647602,"num_words":71,"start":764.88,"end":788.78503},{"sentences":[{"text":"Right?","start":789.16504,"end":789.66504,"sentiment":"neutral","sentiment_score":0.030312946066260334},{"text":"Scope of advice not considered on page, five.","start":791.405,"end":794.78503,"sentiment":"neutral","sentiment_score":-0.22713129874318838},{"text":"Debt reduction and consolidation.","start":795.11,"end":796.73,"sentiment":"neutral","sentiment_score":-0.11690272577106953},{"text":"Like you said, you're pretty caught up on the finance owing on the Hilux, Miloxie.","start":797.11,"end":802.00995,"sentiment":"neutral","sentiment_score":-0.011319670267403126},{"text":"You just wanted a bit of advice around reducing the debts and making sure that we can achieve further long, medium, long term goals for your finance, financial needs.","start":802.70996,"end":812.205,"sentiment":"neutral","sentiment_score":0.30568050027921284}],"sentiment":"neutral","sentiment_score":0.11299282644074737,"num_words":57,"start":789.16504,"end":812.205},{"sentences":[{"text":"I've scoped it out because of the different stages.","start":812.205,"end":815.265,"sentiment":"neutral","sentiment_score":0.13881237970458138},{"text":"And, you know, when we last spoke, you said, look.","start":815.565,"end":817.885,"sentiment":"neutral","sentiment_score":0.06179956272244454},{"text":"Let's just do the super insurance because it's a complimentary consultation.","start":817.885,"end":820.945,"sentiment":"neutral","sentiment_score":0.17843018201264468},{"text":"And you can get this big scary document, essentially, for we draw this up for free.","start":822.365,"end":827.62006,"sentiment":"neutral","sentiment_score":0.018498558085411787},{"text":"As you can tell, there are a lot of pages, and we draw the stuff up from scratch.","start":827.76,"end":832.24005,"sentiment":"neutral","sentiment_score":-0.12077277153730392}],"sentiment":"neutral","sentiment_score":0.030501657631248236,"num_words":64,"start":812.205,"end":832.24005},{"sentences":[{"text":"We write all this from scratch because we have to tailor it in your best interest, which is in line with you what you what what our discussions were.","start":832.24005,"end":839.62006,"sentiment":"neutral","sentiment_score":0.08570885902334904},{"text":"Okay?","start":840.08,"end":840.58,"sentiment":"neutral","sentiment_score":-0.010724496096372604},{"text":"So it's kinda like a carpenter building a desk.","start":841.245,"end":843.485,"sentiment":"neutral","sentiment_score":-0.06439262421594726},{"text":"You know, you pay them for the time that they've done to be able to build a desk as well as the desk.","start":843.485,"end":848.705,"sentiment":"neutral","sentiment_score":0.012201573983158754},{"text":"Our desk is this document, pretty much.","start":848.84503,"end":851.425,"sentiment":"neutral","sentiment_score":-0.0150571380342756}],"sentiment":"neutral","sentiment_score":0.030007754101593426,"num_words":69,"start":832.24005,"end":851.425},{"sentences":[{"text":"Yep.","start":853.51,"end":853.75,"sentiment":"neutral","sentiment_score":0.048874638974666595},{"text":"So limited advice.","start":853.75,"end":855.11,"sentiment":"neutral","sentiment_score":-0.16445444524288177},{"text":"This is exactly what I explained before.","start":855.11,"end":856.89,"sentiment":"neutral","sentiment_score":-0.16445898903267725},{"text":"This is just limiting the advice to what's actually appropriate, which is the super insurance and, again, state planning.","start":856.95,"end":862.97,"sentiment":"neutral","sentiment_score":-0.15302185714244843},{"text":"But not only that, I'm not a legal practitioner.","start":863.26996,"end":865.76996,"sentiment":"neutral","sentiment_score":-0.190543779068523}],"sentiment":"neutral","sentiment_score":-0.15943617736681914,"num_words":39,"start":853.51,"end":865.76996},{"sentences":[{"text":"I couldn't think of anything worse worse than being a legal practitioner.","start":865.82996,"end":868.73,"sentiment":"negative","sentiment_score":-0.3515765058497588},{"text":"So when it comes to the drafting of wills, power of attorneys, this can be done through a a a person who's legally qualified to do so.","start":869.855,"end":878.575,"sentiment":"neutral","sentiment_score":-0.029836577328818815},{"text":"I'm not that person.","start":878.575,"end":879.615,"sentiment":"negative","sentiment_score":-0.33478692919015884},{"text":"Well, I'm allowed to recommend to do it.","start":879.615,"end":881.635,"sentiment":"positive","sentiment_score":0.3512747697532177},{"text":"Right?","start":881.935,"end":882.435,"sentiment":"neutral","sentiment_score":0.26854050159454346}],"sentiment":"neutral","sentiment_score":-0.06317143683106853,"num_words":52,"start":865.82996,"end":882.435},{"sentences":[{"text":"Not only that, I am even though I am I've got all the qualifications to be an accountant.","start":883.14,"end":890.04004,"sentiment":"neutral","sentiment_score":0.001703314483165741},{"text":"This the last paragraph there is just showing, look, I'm a I'm a qualified tax relevant provider under an AFSL, but I it means that I've met the education and training requirements set up by legislation to provide personalized advice on tax, but I am not registered under the tax practitioners board.","start":891.22003,"end":910.5,"sentiment":"neutral","sentiment_score":-0.01054653742735704},{"text":"Even though I'm qualified to do it all, I can't do tax returns or batch returns because I couldn't think of anything worse than doing that other than being a lawyer.","start":910.66,"end":919.16,"sentiment":"neutral","sentiment_score":-0.2575749526581457},{"text":"Exactly.","start":920.26,"end":920.76,"sentiment":"neutral","sentiment_score":-0.08195475488901138},{"text":"You know, there's there's there's not enough money, and quite frankly, it is mind numbing stuff.","start":921.14,"end":926.025,"sentiment":"negative","sentiment_score":-0.43322394974529743}],"sentiment":"neutral","sentiment_score":-0.13149255736221924,"num_words":118,"start":883.14,"end":926.025},{"sentences":[{"text":"So so I'm more the investment side of things and just overall strategy.","start":927.065,"end":932.28503,"sentiment":"neutral","sentiment_score":-0.10735629556270745},{"text":"So, yeah, that that's just how I plan.","start":933.465,"end":935.22504,"sentiment":"neutral","sentiment_score":0.020211111754179},{"text":"I can give advice on tax, any tax or business, personal, commercial, what you know, whatever it is, especially more importantly ways to mitigate it.","start":935.22504,"end":944.38,"sentiment":"neutral","sentiment_score":0.045258999615907666},{"text":"But I'm not gonna do that tax return for you.","start":944.76,"end":947.07996,"sentiment":"negative","sentiment_score":-0.4080207318067551},{"text":"Okay?","start":947.07996,"end":947.57996,"sentiment":"neutral","sentiment_score":-0.11825031042099}],"sentiment":"neutral","sentiment_score":-0.07545483484864235,"num_words":57,"start":927.065,"end":947.57996},{"sentences":[{"text":"Beautiful.","start":949.16,"end":949.66,"sentiment":"positive","sentiment_score":0.38708534836769104},{"text":"That just outlines limit of advice.","start":950.51996,"end":952.36,"sentiment":"neutral","sentiment_score":0.16647762805223465},{"text":"The the next couple pages are just the about you sections.","start":952.36,"end":955.785,"sentiment":"neutral","sentiment_score":0.04080487449060787},{"text":"It's just a skim over registered nurse, Brandon's the Brandon's the excavator operator, you know, your your details.","start":955.925,"end":964.345,"sentiment":"neutral","sentiment_score":0.0282020619035595},{"text":"Next page up to that's your assets and liabilities.","start":964.40497,"end":966.745,"sentiment":"neutral","sentiment_score":0.01704952410525746}],"sentiment":"neutral","sentiment_score":0.05546416816198164,"num_words":45,"start":949.16,"end":966.745},{"sentences":[{"text":"I'm and I'm I'm I'm just going through this to get to the most important parts because I'm conscious of time as well.","start":967.76,"end":974.48004,"sentiment":"neutral","sentiment_score":0.0561582055752692},{"text":"But your PPR, your assets and liabilities, so your primary place of residence as well as your motor vehicle and the loans involved, current superannuations, insurance held in both of them.","start":974.48004,"end":985.34503,"sentiment":"neutral","sentiment_score":0.020332011304074717},{"text":"Page nine.","start":985.645,"end":986.545,"sentiment":"neutral","sentiment_score":0.008310775272548199},{"text":"Next page after that is your risk protection portfolio.","start":986.84503,"end":989.585,"sentiment":"neutral","sentiment_score":0.020146000302500196},{"text":"So, Brendan, see, boss, you know, you're looking at 208,000 worth of life cover as well as a $156,000 worth of TPD, no income protection.","start":989.885,"end":1000.44,"sentiment":"neutral","sentiment_score":0.047008220106363297}],"sentiment":"neutral","sentiment_score":0.036611912606490986,"num_words":90,"start":967.76,"end":1000.44},{"sentences":[{"text":"Yourself, you've got a fairly good policy because of the health benefits, you know, being being the registered nurse here.","start":1001.38,"end":1007.745,"sentiment":"neutral","sentiment_score":0.2376573048532009},{"text":"You're looking at being with KeySuper, $733.72.","start":1007.985,"end":1012.725,"sentiment":"neutral","sentiment_score":0.111479751765728},{"text":"With that, you've got that covers you for that you pay $733.72 per annum out of your super, but it covers you for life and total permanent disability of $359,323 for each.","start":1013.105,"end":1029.59,"sentiment":"neutral","sentiment_score":0.11426716856658459},{"text":"And you've also got income protection that covers you for $6,396 per month.","start":1030.13,"end":1035.945,"sentiment":"neutral","sentiment_score":0.15105185715051797},{"text":"That's before tax because income protection is essentially you know, it's essentially a income stream.","start":1036.1849,"end":1043.065,"sentiment":"neutral","sentiment_score":0.17202734351158142}],"sentiment":"neutral","sentiment_score":0.1578636557377618,"num_words":87,"start":1001.38,"end":1043.065},{"sentences":[{"text":"So you gotta pay income tax on it when you receive it, but it's 12.75% contribution benefit.","start":1043.065,"end":1049.465,"sentiment":"neutral","sentiment_score":0.18246745844097698},{"text":"So that goes into your that goes into your super.","start":1049.465,"end":1052.12,"sentiment":"neutral","sentiment_score":0.2406482607126236},{"text":"Okay?","start":1052.3401,"end":1052.8401,"sentiment":"neutral","sentiment_score":0.07932800054550171},{"text":"The thing you wanna look at is your waiting period and benefit period.","start":1052.98,"end":1056.02,"sentiment":"neutral","sentiment_score":0.02998172348508468},{"text":"Have you ever looked into that?","start":1056.02,"end":1057.38,"sentiment":"neutral","sentiment_score":0.004870397970080376}],"sentiment":"neutral","sentiment_score":0.1278030254105304,"num_words":47,"start":1043.065,"end":1057.38},{"sentences":[{"text":"Or well well, not particularly.","start":1057.38,"end":1063.4,"sentiment":"neutral","sentiment_score":-0.14938896223902703},{"text":"It's no.","start":1064.02,"end":1065.7949,"sentiment":"neutral","sentiment_score":-0.28366072475910187},{"text":"So so when you get a benefit period, I'm more worried about the waiting period.","start":1065.7949,"end":1070.4349,"sentiment":"neutral","sentiment_score":-0.17907340129216512},{"text":"So you you only get paid a month after the claim has passed this waiting period.","start":1070.4349,"end":1075.235,"sentiment":"neutral","sentiment_score":-0.07369339652359486},{"text":"So you gotta wait a hundred and twenty days, which is essentially four months before you actually get paid.","start":1075.235,"end":1079.575,"sentiment":"neutral","sentiment_score":-0.09959096736029575}],"sentiment":"neutral","sentiment_score":-0.12406473691787637,"num_words":57,"start":1057.38,"end":1079.575},{"sentences":[{"text":"So how income protection works is if you go I break my femur, no.","start":1080.33,"end":1086.49,"sentiment":"neutral","sentiment_score":-0.1095258356737239},{"text":"I break a leg, and I'm off work for three months, let's say.","start":1086.49,"end":1090.1699,"sentiment":"neutral","sentiment_score":-0.19722322661143082},{"text":"And then after three months, usually, it takes about that time to break a serious, like, leg or something like that.","start":1090.1699,"end":1095.405,"sentiment":"neutral","sentiment_score":-0.18097608323608125},{"text":"If you were off work because of injury because of breaking your leg three months and then you go back to work ninety days later, you will not be paid at all because you got yeah.","start":1096.365,"end":1107.3251,"sentiment":"neutral","sentiment_score":-0.27047331755359966},{"text":"Yeah.","start":1107.3251,"end":1107.645,"sentiment":"neutral","sentiment_score":0.10263765603303908}],"sentiment":"neutral","sentiment_score":-0.20626074316747048,"num_words":85,"start":1080.33,"end":1107.645},{"sentences":[{"text":"Your waiting period is ninety days.","start":1107.645,"end":1109.52,"sentiment":"neutral","sentiment_score":0.04422650051613649},{"text":"Right?","start":1110.0801,"end":1110.5801,"sentiment":"neutral","sentiment_score":0.07750599831342697},{"text":"So that's important, especially for yourself, especially considering, you know, your the your your income in comparison.","start":1111.04,"end":1119.3,"sentiment":"neutral","sentiment_score":0.1220696599167936},{"text":"Okay?","start":1120.16,"end":1120.56,"sentiment":"neutral","sentiment_score":0.06556066125631332},{"text":"So, you know, my question to you is well, I already asked this, but is the thing to think about is insurances are a necessary evil, and the least amount you you can get covered for to suit your needs, the better because you gotta pay premiums for it.","start":1120.56,"end":1135.6951,"sentiment":"neutral","sentiment_score":-0.11445301102132213}],"sentiment":"neutral","sentiment_score":-0.042224157551253166,"num_words":74,"start":1107.645,"end":1135.6951},{"sentences":[{"text":"Right?","start":1135.6951,"end":1136.1951,"sentiment":"neutral","sentiment_score":0.022718235850334167},{"text":"So when you're looking at paying for those premiums, which is that income protection, if you were to claim on it for something as significant as a broken femur, which is about three months, that's the biggest part in your body as you know, You know, will you be paid for that time?","start":1137.71,"end":1153.845,"sentiment":"neutral","sentiment_score":-0.02834504895474551},{"text":"The answer is no.","start":1153.845,"end":1154.725,"sentiment":"neutral","sentiment_score":-0.2792149782180786},{"text":"So what are you paying for?","start":1154.725,"end":1156.105,"sentiment":"neutral","sentiment_score":-0.17860513180494308},{"text":"K.","start":1156.565,"end":1156.8849,"sentiment":"neutral","sentiment_score":-0.06158636137843132}],"sentiment":"neutral","sentiment_score":-0.05737917575125511,"num_words":65,"start":1135.6951,"end":1156.8849},{"sentences":[{"text":"So that's the one I was looking at.","start":1156.8849,"end":1158.4049,"sentiment":"neutral","sentiment_score":-0.08034803625196218},{"text":"But if you're looking at actually going through and you can't work because of injury illness for, let's say, two years, right, Then you'll be paid on the fourth month.","start":1158.4049,"end":1166.9,"sentiment":"neutral","sentiment_score":-0.10738000428924958},{"text":"You'll get paid after your nine day waiting period.","start":1166.9,"end":1169.14,"sentiment":"neutral","sentiment_score":0.052065993348757424},{"text":"On the four thirty days after that, you'll get paid for that first month.","start":1169.14,"end":1172.42,"sentiment":"neutral","sentiment_score":0.02071447923247303},{"text":"Right?","start":1172.42,"end":1172.92,"sentiment":"neutral","sentiment_score":0.024277642369270325}],"sentiment":"neutral","sentiment_score":-0.049698550434362505,"num_words":62,"start":1156.8849,"end":1172.92},{"sentences":[{"text":"Because it's in arrears.","start":1173.06,"end":1174.12,"sentiment":"neutral","sentiment_score":-0.0817118501290679},{"text":"But then let's just say you don't go back after two years off because of injury or illness.","start":1174.9,"end":1179.24,"sentiment":"neutral","sentiment_score":-0.25992277678516174},{"text":"In your line of work, it's it's kind of on the borderline, but I'll say three to five years is kind of more appropriate.","start":1179.415,"end":1185.835,"sentiment":"neutral","sentiment_score":-0.138907544935743},{"text":"But if you weren't able to go back let's say five years because that's my recommendation.","start":1186.055,"end":1189.435,"sentiment":"neutral","sentiment_score":-0.2834922345355153},{"text":"If you weren't able to go back to work because of injury or illness after five years, then you probably won't go back to work at all.","start":1189.975,"end":1197.2599,"sentiment":"negative","sentiment_score":-0.49465047430109094}],"sentiment":"neutral","sentiment_score":-0.2947267080876934,"num_words":89,"start":1173.06,"end":1197.2599},{"sentences":[{"text":"Right?","start":1197.2599,"end":1197.7599,"sentiment":"neutral","sentiment_score":-0.1547475308179855},{"text":"It's it's a very likely chance that you would never go back to work because five years is a long time of not being able to return.","start":1199.4199,"end":1205.6799,"sentiment":"negative","sentiment_score":-0.6184081788416262},{"text":"So, therefore, it sounds like you you've got a very likely case of being totally permanently disabled.","start":1207.505,"end":1212.165,"sentiment":"negative","sentiment_score":-0.47022975893581614},{"text":"Correct?","start":1212.785,"end":1213.285,"sentiment":"neutral","sentiment_score":-0.18171435594558716},{"text":"Yeah.","start":1214.9451,"end":1215.4451,"sentiment":"neutral","sentiment_score":-0.1031121015548706}],"sentiment":"negative","sentiment_score":-0.5346915046585367,"num_words":47,"start":1197.2599,"end":1215.4451},{"sentences":[{"text":"Yeah.","start":1216.2251,"end":1216.7251,"sentiment":"neutral","sentiment_score":-0.16507861018180847},{"text":"I don't know.","start":1219.3451,"end":1219.9851,"sentiment":"neutral","sentiment_score":-0.27736998597780865},{"text":"Because they maybe just wanna kinda take your take your money.","start":1219.9851,"end":1225.44,"sentiment":"neutral","sentiment_score":-0.2741747254675085},{"text":"I'm not so sure.","start":1225.44,"end":1226.58,"sentiment":"neutral","sentiment_score":-0.2490738332271576},{"text":"Yeah.","start":1226.88,"end":1227.28,"sentiment":"neutral","sentiment_score":-0.06415320187807083}],"sentiment":"neutral","sentiment_score":-0.25367795415222644,"num_words":20,"start":1216.2251,"end":1227.28},{"sentences":[{"text":"Correct.","start":1227.28,"end":1227.78,"sentiment":"neutral","sentiment_score":-0.06052376329898834},{"text":"So yeah.","start":1228.0,"end":1229.63,"sentiment":"neutral","sentiment_score":-0.2026771456003189},{"text":"No.","start":1237.485,"end":1237.885,"sentiment":"neutral","sentiment_score":-0.1909376084804535},{"text":"So you can actually access Super at age 60.","start":1237.885,"end":1240.385,"sentiment":"neutral","sentiment_score":-0.020657985988590453},{"text":"Yeah.","start":1242.765,"end":1243.005,"sentiment":"neutral","sentiment_score":0.03632591664791107}],"sentiment":"neutral","sentiment_score":-0.057600830016391616,"num_words":14,"start":1227.28,"end":1243.005},{"sentences":[{"text":"So but but you get the concept.","start":1243.005,"end":1244.6849,"sentiment":"neutral","sentiment_score":-0.013225313276052477},{"text":"So that's that's what that's what that they that's how they kind of work together, and this is what you currently got.","start":1244.6849,"end":1250.07,"sentiment":"neutral","sentiment_score":0.3239682790907947},{"text":"But my my the next thing we look at is, well, does it suit your needs?","start":1250.3099,"end":1254.07,"sentiment":"neutral","sentiment_score":0.010494337417185307},{"text":"Because being underinsured is just as bad as being overinsured.","start":1254.07,"end":1256.8099,"sentiment":"negative","sentiment_score":-0.4756328821182251},{"text":"You're underinsured.","start":1257.2699,"end":1258.0099,"sentiment":"neutral","sentiment_score":-0.26986105740070343}],"sentiment":"neutral","sentiment_score":0.033448831750112665,"num_words":57,"start":1243.005,"end":1258.0099},{"sentences":[{"text":"You're paying all this money for coverage that doesn't really meet your needs.","start":1258.1499,"end":1261.9099,"sentiment":"negative","sentiment_score":-0.502563673716325},{"text":"So what's the point in paying for it at all?","start":1261.9099,"end":1264.055,"sentiment":"negative","sentiment_score":-0.3443159073591232},{"text":"And just the same on the other side of the scale is if you're over insured, then, you know, you're paying extra premiums for money that you might not claim on.","start":1264.055,"end":1272.135,"sentiment":"neutral","sentiment_score":-0.3296410835558368},{"text":"So what's the point?","start":1272.135,"end":1273.015,"sentiment":"neutral","sentiment_score":-0.05672426801174879},{"text":"You need to kinda bring it down.","start":1273.015,"end":1274.555,"sentiment":"neutral","sentiment_score":0.00733822797025953}],"sentiment":"neutral","sentiment_score":-0.31339830612907044,"num_words":65,"start":1258.1499,"end":1274.555},{"sentences":[{"text":"Right?","start":1274.88,"end":1275.12,"sentiment":"neutral","sentiment_score":-0.0013343989849090576},{"text":"So if something like that were to occur and you were to go on a TPD claim, then would $359,323 be enough to cover your needs?","start":1275.12,"end":1285.22,"sentiment":"neutral","sentiment_score":-0.02830684655166876},{"text":"And from a needs analysis that I'll walk you through in a second, the answer's no.","start":1286.48,"end":1290.525,"sentiment":"neutral","sentiment_score":-0.1878721951507032},{"text":"Not even close.","start":1290.525,"end":1291.505,"sentiment":"negative","sentiment_score":-0.5483556489149729},{"text":"Right?","start":1293.0851,"end":1293.5651,"sentiment":"neutral","sentiment_score":-0.16945120692253113}],"sentiment":"neutral","sentiment_score":-0.11825075926397868,"num_words":47,"start":1274.88,"end":1293.5651},{"sentences":[{"text":"So so that's the the the next kind of life insurance in the same amount.","start":1293.5651,"end":1299.185,"sentiment":"neutral","sentiment_score":-0.13248106092214584},{"text":"And if you were to claim on that, I'm pretty sure you wouldn't really care that much because you'd be dead.","start":1299.405,"end":1306.0,"sentiment":"neutral","sentiment_score":-0.3215981402567455},{"text":"Right?","start":1306.78,"end":1307.02,"sentiment":"neutral","sentiment_score":-0.08388515561819077},{"text":"So that's kind of how they work together.","start":1307.02,"end":1309.44,"sentiment":"neutral","sentiment_score":0.05256482865661383},{"text":"So that that's just what you got now.","start":1310.62,"end":1313.1,"sentiment":"neutral","sentiment_score":0.1589138014242053}],"sentiment":"neutral","sentiment_score":-0.1345817542301034,"num_words":53,"start":1293.5651,"end":1313.1},{"sentences":[{"text":"In terms of risk profile, you came out as a high growth investor.","start":1313.1,"end":1316.38,"sentiment":"neutral","sentiment_score":0.17126162407489923},{"text":"You both of you came out as high growth investors.","start":1316.38,"end":1318.48,"sentiment":"neutral","sentiment_score":0.21382923275232316},{"text":"But more importantly, if you go down to page 12, this is a super recommendation.","start":1319.205,"end":1323.945,"sentiment":"neutral","sentiment_score":0.29793348411719006},{"text":"Let's skip past that because I'll come back to that.","start":1324.965,"end":1328.1649,"sentiment":"neutral","sentiment_score":0.10458682999014854},{"text":"So if you can just skip down to page let's go to the crux of it.","start":1328.1649,"end":1334.5801,"sentiment":"neutral","sentiment_score":0.06366492435336113}],"sentiment":"neutral","sentiment_score":0.1702844186220318,"num_words":64,"start":1313.1,"end":1334.5801},{"sentences":[{"text":"Page 18.","start":1334.5801,"end":1335.4,"sentiment":"neutral","sentiment_score":0.05862259864807129},{"text":"This is for Brandon.","start":1337.06,"end":1338.68,"sentiment":"neutral","sentiment_score":0.07792686484754086},{"text":"Did you want me to go to your comparison or start with Brandon's?","start":1338.74,"end":1342.4401,"sentiment":"neutral","sentiment_score":0.044765765277238995},{"text":"Or let's start with yours because yours is a prettier, fluffier number.","start":1344.98,"end":1348.6,"sentiment":"neutral","sentiment_score":0.09575417917221785},{"text":"So if we go down to page, as you can tell there there is a lot.","start":1349.835,"end":1354.495,"sentiment":"neutral","sentiment_score":0.016181499580852687}],"sentiment":"neutral","sentiment_score":0.051465143588312126,"num_words":47,"start":1334.5801,"end":1354.495},{"sentences":[{"text":"No.","start":1355.835,"end":1356.155,"sentiment":"neutral","sentiment_score":-0.07147419452667236},{"text":"Page 27.","start":1356.155,"end":1357.295,"sentiment":"neutral","sentiment_score":-0.04592506214976311},{"text":"Okay.","start":1365.25,"end":1365.75,"sentiment":"neutral","sentiment_score":-0.013010759837925434},{"text":"So like I said, it's it's interesting because I recommended a super fund.","start":1365.89,"end":1370.85,"sentiment":"neutral","sentiment_score":0.08538170330799542},{"text":"It's not in a super fund market.","start":1370.85,"end":1372.37,"sentiment":"neutral","sentiment_score":-0.03904797775404794}],"sentiment":"neutral","sentiment_score":0.027512134169228375,"num_words":24,"start":1355.835,"end":1372.37},{"sentences":[{"text":"It's a retail fund.","start":1372.37,"end":1373.09,"sentiment":"neutral","sentiment_score":0.056114996783435345},{"text":"It's called hub twenty four.","start":1373.09,"end":1374.63,"sentiment":"neutral","sentiment_score":0.08983148708939552},{"text":"The only reason there there's hundreds of super funds out there.","start":1374.6901,"end":1377.09,"sentiment":"neutral","sentiment_score":0.05724825371395458},{"text":"It doesn't really matter what the super fund is.","start":1377.09,"end":1379.01,"sentiment":"neutral","sentiment_score":0.031294619457589254},{"text":"It will really matters is what the investments are that you can get invested into within the fund itself because that's the thing that's making your money grow.","start":1379.01,"end":1386.745,"sentiment":"neutral","sentiment_score":0.21555596616651332}],"sentiment":"neutral","sentiment_score":0.13369415510903326,"num_words":57,"start":1372.37,"end":1386.745},{"sentences":[{"text":"Right?","start":1386.745,"end":1387.245,"sentiment":"neutral","sentiment_score":0.11541258543729782},{"text":"So you what I mean by that is in q super, q super is just super just the trust that's holding the funds and making all the rules.","start":1387.705,"end":1396.6799,"sentiment":"neutral","sentiment_score":0.0870056776329875},{"text":"They aren't the thing that actually makes your money grow.","start":1397.0599,"end":1399.72,"sentiment":"neutral","sentiment_score":0.043055581487715246},{"text":"What it is is the investment that you are currently invested into, and that is that my super growth.","start":1399.94,"end":1406.955,"sentiment":"neutral","sentiment_score":0.1877128101493183},{"text":"Right?","start":1407.4349,"end":1407.6749,"sentiment":"neutral","sentiment_score":0.27204403281211853}],"sentiment":"neutral","sentiment_score":0.11560533558791977,"num_words":59,"start":1386.745,"end":1407.6749},{"sentences":[{"text":"That's that investment option.","start":1407.6749,"end":1409.0349,"sentiment":"neutral","sentiment_score":0.23374053835868835},{"text":"So you'd see it on your statements.","start":1409.0349,"end":1410.6549,"sentiment":"neutral","sentiment_score":0.14261872747114726},{"text":"That's yeah.","start":1412.235,"end":1413.2749,"sentiment":"neutral","sentiment_score":0.16793549060821533},{"text":"I can actually probably bring it up, to be fair.","start":1413.2749,"end":1415.2749,"sentiment":"neutral","sentiment_score":0.10345200747251511},{"text":"I've got I have now yours.","start":1415.2749,"end":1416.955,"sentiment":"neutral","sentiment_score":0.10732855647802353}],"sentiment":"neutral","sentiment_score":0.13612605657043128,"num_words":29,"start":1407.6749,"end":1416.955},{"sentences":[{"text":"Now I've got Brandon's open.","start":1416.955,"end":1418.335,"sentiment":"neutral","sentiment_score":0.08333063572645187},{"text":"The exact investment that you have where are you?","start":1418.7949,"end":1422.2999,"sentiment":"neutral","sentiment_score":0.10494200968080097},{"text":"There you are.","start":1422.2999,"end":1424.38,"sentiment":"neutral","sentiment_score":0.15674630800882974},{"text":"Is I believe it's my super growth.","start":1424.38,"end":1428.64,"sentiment":"neutral","sentiment_score":0.2834261357784271},{"text":"Here you go.","start":1428.78,"end":1429.6799,"sentiment":"neutral","sentiment_score":0.22965974609057108}],"sentiment":"neutral","sentiment_score":0.16682712512987632,"num_words":27,"start":1416.955,"end":1429.6799},{"sentences":[{"text":"Now you're a 100% high growth.","start":1429.98,"end":1432.0,"sentiment":"positive","sentiment_score":0.35213643809159595},{"text":"Yep.","start":1434.235,"end":1434.555,"sentiment":"neutral","sentiment_score":0.14539703726768494},{"text":"So you must see when you've rolled into that managed fund, that high growth fund, what is actually quite interesting is it's actually not a high growth fund.","start":1434.555,"end":1444.635,"sentiment":"neutral","sentiment_score":0.03720707978521075},{"text":"It's actually a growth fund, which is about 85% invested into the market.","start":1444.635,"end":1449.77,"sentiment":"neutral","sentiment_score":0.031867767755801864},{"text":"High growth funds are 90 to 95 90 to 98% in this sense of market, but that's a little bit more technicality.","start":1450.23,"end":1457.53,"sentiment":"neutral","sentiment_score":0.007350120693445206}],"sentiment":"neutral","sentiment_score":0.05537139336977686,"num_words":70,"start":1429.98,"end":1457.53},{"sentences":[{"text":"If we're looking at this table, this is the current this is the breakdown of the fees, contributions, insurance premiums, as well as total costs, and what the I did I did a five year rolling average.","start":1458.965,"end":1470.585,"sentiment":"neutral","sentiment_score":0.014512291882891912},{"text":"The reason why I did a five year rolling average is because one, it's the lowest figure for us so that I can try and do use a lower amount to try and exceed your kind of the outcome rather than give you a big fluffy number now, probably not quite reach it.","start":1470.885,"end":1485.7,"sentiment":"neutral","sentiment_score":0.009869455588313768},{"text":"And I think five years is a pretty good time horizon if you're looking at an average every year.","start":1485.7,"end":1490.12,"sentiment":"neutral","sentiment_score":0.32162106252814593},{"text":"K?","start":1490.475,"end":1490.975,"sentiment":"neutral","sentiment_score":0.09252426028251648},{"text":"So if I were to look at your q super, you got a $108,590 in there.","start":1491.755,"end":1497.0549,"sentiment":"neutral","sentiment_score":0.05489121633581817}],"sentiment":"neutral","sentiment_score":0.06461603059950802,"num_words":126,"start":1458.965,"end":1497.0549},{"sentences":[{"text":"The administration fees per annum is a $188, right, per annum, But the investment fee for that high growth investment with the amount of funds you have in there is $608 a year.","start":1497.595,"end":1513.39,"sentiment":"neutral","sentiment_score":0.045861788602037865},{"text":"And we call this an ICR, an indirect cost ratio.","start":1513.39,"end":1516.77,"sentiment":"neutral","sentiment_score":0.01101831067353487},{"text":"Whenever you think of acronyms in finance, just think fees.","start":1519.565,"end":1523.505,"sentiment":"neutral","sentiment_score":-0.04642586894333363},{"text":"I don't know if it was some some bankers or something back in the eighties.","start":1524.0449,"end":1527.4249,"sentiment":"neutral","sentiment_score":-0.09203234513600668},{"text":"They must have just said, well, you know, clients are switching on to fees being fees, so let's try and hide them in weird convoluted ways so we can still charge fees and hide them.","start":1527.8049,"end":1537.37,"sentiment":"neutral","sentiment_score":-0.16629162579774856}],"sentiment":"neutral","sentiment_score":-0.05865367610477707,"num_words":103,"start":1497.595,"end":1537.37},{"sentences":[{"text":"So when you when you see ICR or MER, which is management expense ratio, those, at the end of the day, are all fees.","start":1537.83,"end":1545.13,"sentiment":"neutral","sentiment_score":-0.02684271669325729},{"text":"So for the q super product itself platform to be invested in that super fund, it costs you a $188, but that high growth investment option, there's manage fund managers behind that as well that get that get wanna get paid.","start":1545.225,"end":1559.4,"sentiment":"neutral","sentiment_score":0.09367242128383822},{"text":"Does that does that make sense?","start":1560.4401,"end":1561.98,"sentiment":"neutral","sentiment_score":0.14536398152510324},{"text":"Yep.","start":1563.16,"end":1563.56,"sentiment":"neutral","sentiment_score":0.16539153456687927},{"text":"So that's $608 a year for your balance.","start":1563.56,"end":1566.06,"sentiment":"neutral","sentiment_score":0.18349218554794788}],"sentiment":"neutral","sentiment_score":0.07127321225125342,"num_words":80,"start":1537.83,"end":1566.06},{"sentences":[{"text":"The reason why I'm recommending hub twenty four is because it's essentially is $87 cheaper or oh, 87.","start":1566.68,"end":1575.1051,"sentiment":"neutral","sentiment_score":0.1663784020476871},{"text":"That's not $87.","start":1575.1051,"end":1576.645,"sentiment":"neutral","sentiment_score":0.003475752348701159},{"text":"It's a lot more than $87.","start":1576.7051,"end":1578.5651,"sentiment":"neutral","sentiment_score":-0.0023249688868721328},{"text":"I don't know why.","start":1579.7451,"end":1580.805,"sentiment":"neutral","sentiment_score":-0.1599858645349741},{"text":"Yeah.","start":1581.5851,"end":1581.7451,"sentiment":"neutral","sentiment_score":-0.04463418573141098}],"sentiment":"neutral","sentiment_score":0.07208471989724785,"num_words":32,"start":1566.68,"end":1581.7451},{"sentences":[{"text":"I don't know.","start":1581.7451,"end":1582.4651,"sentiment":"neutral","sentiment_score":-0.0848690743247668},{"text":"It should be yeah.","start":1582.4651,"end":1583.5851,"sentiment":"neutral","sentiment_score":-0.03816015785560012},{"text":"Yeah.","start":1583.5851,"end":1583.8251,"sentiment":"neutral","sentiment_score":-0.012430310249328612},{"text":"It should be.","start":1583.8251,"end":1584.305,"sentiment":"neutral","sentiment_score":-0.011936487009127935},{"text":"I'm missing a one there.","start":1584.305,"end":1585.6051,"sentiment":"neutral","sentiment_score":-0.1328330844640732}],"sentiment":"neutral","sentiment_score":-0.0699783154996112,"num_words":16,"start":1581.7451,"end":1585.6051},{"sentences":[{"text":"I'm missing a one.","start":1585.905,"end":1587.125,"sentiment":"neutral","sentiment_score":-0.13388357684016228},{"text":"Oh, no.","start":1587.265,"end":1587.925,"sentiment":"neutral","sentiment_score":-0.07792524248361588},{"text":"So we're we're yeah.","start":1589.3201,"end":1590.12,"sentiment":"neutral","sentiment_score":-0.01117201813030988},{"text":"We've got to type those numbers into the actual document, but all the calculations was put through a calculator.","start":1590.12,"end":1597.26,"sentiment":"neutral","sentiment_score":0.024299179056757374},{"text":"So they definitely so the calculations are correct, but let's just work that out.","start":1597.4,"end":1601.48,"sentiment":"neutral","sentiment_score":0.07171929674223065}],"sentiment":"neutral","sentiment_score":0.016969341665592996,"num_words":43,"start":1585.905,"end":1601.48},{"sentences":[{"text":"608608Minus 411.","start":1601.48,"end":1606.465,"sentiment":"neutral","sentiment_score":0.008943430613726377},{"text":"Yeah.","start":1608.125,"end":1608.365,"sentiment":"neutral","sentiment_score":0.00666337925940752},{"text":"It's actually 197.","start":1608.365,"end":1611.005,"sentiment":"neutral","sentiment_score":-0.015522289710740248},{"text":"I'm not too sure why it's retired '87 in there, but it's a 190.","start":1611.005,"end":1615.165,"sentiment":"neutral","sentiment_score":-0.06406367676598686},{"text":"It even makes it better, but it's a 100 and was that a 190?","start":1615.165,"end":1620.7001,"sentiment":"neutral","sentiment_score":0.11256199715925115}],"sentiment":"neutral","sentiment_score":0.01932234873118646,"num_words":34,"start":1601.48,"end":1620.7001},{"sentences":[{"text":"Yeah.","start":1621.4801,"end":1621.7201,"sentiment":"neutral","sentiment_score":-0.026981117203831673},{"text":"Those calculations are really strange.","start":1621.7201,"end":1623.4801,"sentiment":"neutral","sentiment_score":-0.24025237560272217},{"text":"So but it's a $197 cheaper in investment fees, which is crazy for an investment cost.","start":1623.4801,"end":1631.02,"sentiment":"neutral","sentiment_score":0.051924594095908105},{"text":"Let me just let me just double I'm gonna I'm gonna double check that and send that out again.","start":1632.8401,"end":1637.845,"sentiment":"neutral","sentiment_score":0.011409646684401914},{"text":"But either way, you yeah.","start":1637.845,"end":1640.005,"sentiment":"neutral","sentiment_score":0.10454243868589401}],"sentiment":"neutral","sentiment_score":0.0074357824076129045,"num_words":46,"start":1621.4801,"end":1640.005},{"sentences":[{"text":"It's it's for hub twenty four, it's significantly cheaper.","start":1640.005,"end":1643.545,"sentiment":"positive","sentiment_score":0.34349914722972447},{"text":"Looks like the kind of line just shifted over weirdly enough, but it's significantly cheaper for yep.","start":1643.765,"end":1651.16,"sentiment":"neutral","sentiment_score":0.044849126818863785},{"text":"Yikes.","start":1652.9,"end":1653.4,"sentiment":"neutral","sentiment_score":-0.02060644328594208},{"text":"Exactly.","start":1654.5,"end":1655.0,"sentiment":"neutral","sentiment_score":0.028857510536909103},{"text":"That's why I'm looking at going, hold on.","start":1655.06,"end":1657.0801,"sentiment":"neutral","sentiment_score":0.005740885506384075}],"sentiment":"neutral","sentiment_score":0.10855848978584011,"num_words":36,"start":1640.005,"end":1657.0801},{"sentences":[{"text":"What's going on?","start":1657.14,"end":1658.2001,"sentiment":"neutral","sentiment_score":0.002679228006551663},{"text":"Because so when we do the when we do the calculations, we use a program called xPlan or Iris xPlan, as well as Chartwest to actually dive kind of deep deep dive into the funds themselves.","start":1658.5801,"end":1671.005,"sentiment":"neutral","sentiment_score":0.04841155967571669},{"text":"Okay.","start":1674.29,"end":1674.69,"sentiment":"neutral","sentiment_score":0.10204893350601196},{"text":"Were you were you listening?","start":1674.69,"end":1675.75,"sentiment":"neutral","sentiment_score":0.05720044225454331},{"text":"Sorry.","start":1676.29,"end":1676.79,"sentiment":"neutral","sentiment_score":-0.014906931668519974}],"sentiment":"neutral","sentiment_score":0.04617387055338401,"num_words":46,"start":1657.14,"end":1676.79},{"sentences":[{"text":"So so when we look at in searching these the the figures into these tables, we use an we use a third party software called Iris xPlan as well as Chartwest.","start":1677.01,"end":1688.23,"sentiment":"neutral","sentiment_score":0.02834954665553185},{"text":"It's kinda like a Bloomberg.","start":1688.415,"end":1689.555,"sentiment":"neutral","sentiment_score":0.026293190196156502},{"text":"Have you ever heard of Bloomberg?","start":1689.775,"end":1690.995,"sentiment":"neutral","sentiment_score":0.003055281937122345},{"text":"Okay.","start":1692.8151,"end":1693.135,"sentiment":"neutral","sentiment_score":0.018169324845075607},{"text":"So it's it's just means that we can actually plug in the information and pull the data from a fee perspective as well as returns perspective from a different software so that we can insert it in and then compare the two.","start":1693.135,"end":1706.63,"sentiment":"neutral","sentiment_score":0.05618661504593633}],"sentiment":"neutral","sentiment_score":0.04007812641999301,"num_words":85,"start":1677.01,"end":1706.63},{"sentences":[{"text":"Okay?","start":1706.9299,"end":1707.4299,"sentiment":"neutral","sentiment_score":0.024504847824573517},{"text":"So and I've actually bringing it up now.","start":1708.13,"end":1710.69,"sentiment":"neutral","sentiment_score":-0.11956977006047964},{"text":"So let's just make sure that that that is correct because I don't I don't like that at all.","start":1710.69,"end":1715.19,"sentiment":"negative","sentiment_score":-0.3423371158148113},{"text":"And that is entirely my fault.","start":1715.475,"end":1718.835,"sentiment":"negative","sentiment_score":-0.4979526847600937},{"text":"I do apologize.","start":1718.835,"end":1719.735,"sentiment":"neutral","sentiment_score":-0.192758580048879}],"sentiment":"neutral","sentiment_score":-0.2973635232931859,"num_words":37,"start":1706.9299,"end":1719.735},{"sentences":[{"text":"I've got the figures here, and you know what?","start":1721.635,"end":1724.615,"sentiment":"neutral","sentiment_score":-0.017768347428904638},{"text":"That is my bad.","start":1726.275,"end":1728.13,"sentiment":"negative","sentiment_score":-0.411465547978878},{"text":"I must have pulled it from the wrong side or something because to give you an idea, the QSuper fees are correct, but that 20 fours I don't know what happened.","start":1728.13,"end":1737.41,"sentiment":"neutral","sentiment_score":-0.2725393546204413},{"text":"The 410 so the difference in fees I know what happened.","start":1737.41,"end":1744.705,"sentiment":"neutral","sentiment_score":-0.05755134553394534},{"text":"Let me let me send you through I can send you through an email.","start":1745.3251,"end":1748.525,"sentiment":"neutral","sentiment_score":0.02827475145542329}],"sentiment":"neutral","sentiment_score":-0.15205384916676531,"num_words":69,"start":1721.635,"end":1748.525},{"sentences":[{"text":"But just to give you an idea, the admin fee for Hub twenty four is more expensive.","start":1748.525,"end":1753.005,"sentiment":"neutral","sentiment_score":-0.2122625520124155},{"text":"So it's $598 a year because it's a much more comprehensive fund.","start":1753.005,"end":1757.1901,"sentiment":"neutral","sentiment_score":0.024260731724401314},{"text":"You can invest all the way down to direct shares and equities, and there's thousands of different investments.","start":1757.1901,"end":1761.99,"sentiment":"neutral","sentiment_score":0.20075403443641132},{"text":"You can invest in, yeah, international direct shares as well.","start":1761.99,"end":1765.61,"sentiment":"neutral","sentiment_score":0.14579296633601188},{"text":"So it means you got a larger array of investment options, but the investment fee, looking at your platform, is a $197 a year instead of 608.","start":1765.83,"end":1777.6951,"sentiment":"neutral","sentiment_score":0.03388194456972458}],"sentiment":"neutral","sentiment_score":0.03177357360809332,"num_words":84,"start":1748.525,"end":1777.6951},{"sentences":[{"text":"So that means so the to to answer your question, that negative four ten is the difference in administration fee of q super versus hub 24.","start":1779.115,"end":1788.65,"sentiment":"neutral","sentiment_score":-0.09522940462025312},{"text":"So it's $410 more expensive a year for hub 24 in an administration cost, but the investment portfolio that I've created for you, which is on the next couple of pages, is a $197 a year.","start":1788.7899,"end":1803.3151,"sentiment":"neutral","sentiment_score":0.0914818426180217},{"text":"So that's $411 cheaper per year.","start":1803.3151,"end":1807.8,"sentiment":"positive","sentiment_score":0.4471840759118398},{"text":"So you're saving a dollar every year for for a essentially, a product that is giving you a 11.55% return, being able to invest in way more investments compared to a 8.77% return per annum.","start":1808.6001,"end":1827.725,"sentiment":"positive","sentiment_score":0.4716149236474718},{"text":"But I'd like to point out what is more important, especially in your case, is, again, those figures because the table shifted over.","start":1828.905,"end":1837.465,"sentiment":"neutral","sentiment_score":-0.015151059902880503}],"sentiment":"neutral","sentiment_score":0.15602011285308334,"num_words":126,"start":1779.115,"end":1837.465},{"sentences":[{"text":"Your insurance premiums that I'm recommending between seven because you're currently paying essentially $734 a year or $733.72 a year for your insurances out of your super.","start":1837.465,"end":1850.5,"sentiment":"neutral","sentiment_score":0.012076922267119193},{"text":"The recommendation for your insurance premiums, if we go down a little bit and if you skip to page I'll go to your insurance, and I'll show you how we calculated it as well.","start":1851.04,"end":1866.365,"sentiment":"neutral","sentiment_score":0.09187396155560718},{"text":"It's it's pretty up there for both of you.","start":1866.66,"end":1868.74,"sentiment":"neutral","sentiment_score":0.2387507806221644},{"text":"So if you wanna skip to page 43, your yeah.","start":1868.74,"end":1873.7001,"sentiment":"neutral","sentiment_score":0.04983453452587128},{"text":"Your insurances the the cheapest product I could find was with a product called ClearView.","start":1873.7001,"end":1878.5801,"sentiment":"neutral","sentiment_score":0.0719463345905145}],"sentiment":"neutral","sentiment_score":0.07553777877703971,"num_words":95,"start":1837.465,"end":1878.5801},{"sentences":[{"text":"Have you ever heard of ClearView?","start":1878.5801,"end":1879.9601,"sentiment":"neutral","sentiment_score":0.009374854310105244},{"text":"Okay.","start":1881.885,"end":1882.2051,"sentiment":"neutral","sentiment_score":-0.022623207420110703},{"text":"So there's there's different insurers out there.","start":1882.2051,"end":1884.045,"sentiment":"neutral","sentiment_score":-0.02138077387852328},{"text":"We only in we only recommend investment grade products for investments, which is a if you wanna get technical, triple a, and or a and above.","start":1884.045,"end":1892.865,"sentiment":"neutral","sentiment_score":0.03649852949624451},{"text":"But when it comes to insurance companies, we only have a select a selected number of insurers on our approved product list called ABL.","start":1893.245,"end":1901.7301,"sentiment":"neutral","sentiment_score":-0.04969563599055012}],"sentiment":"neutral","sentiment_score":-0.005621453055937309,"num_words":64,"start":1878.5801,"end":1901.7301},{"sentences":[{"text":"And the reason for that is because if we're recommending insurance cover for for clients, we wanna make sure that it's with the company that's got enough money to pay you and not going bust anytime soon.","start":1902.1101,"end":1913.275,"sentiment":"neutral","sentiment_score":-0.21272329341720891},{"text":"Right?","start":1913.495,"end":1913.995,"sentiment":"neutral","sentiment_score":0.006897168233990669},{"text":"Which is very important.","start":1915.015,"end":1916.235,"sentiment":"neutral","sentiment_score":0.04516602028161287},{"text":"So on our approved product list, we've got, you know, big big insurance companies such as TAL, Clearview, OnePath, which is Zurich.","start":1916.535,"end":1925.5199,"sentiment":"neutral","sentiment_score":0.047647682103243744},{"text":"Have you ever seen Zurich, the big blue Zurich in capital n letters?","start":1926.1399,"end":1930.96,"sentiment":"neutral","sentiment_score":0.021257765519504365}],"sentiment":"neutral","sentiment_score":-0.08257922920845932,"num_words":77,"start":1902.1101,"end":1930.96},{"sentences":[{"text":"Or you probably would have been in the health industry now.","start":1931.0199,"end":1935.26,"sentiment":"neutral","sentiment_score":-0.00557418345389041},{"text":"Have you ever met life?","start":1935.26,"end":1936.62,"sentiment":"neutral","sentiment_score":-0.004427202418446541},{"text":"Anyone any of those guys or been in the occupation you're in?","start":1936.62,"end":1940.515,"sentiment":"neutral","sentiment_score":-0.040163657472779356},{"text":"No.","start":1940.515,"end":1940.675,"sentiment":"neutral","sentiment_score":-0.06137999892234802},{"text":"That's okay.","start":1940.675,"end":1941.415,"sentiment":"neutral","sentiment_score":0.010443442733958364}],"sentiment":"neutral","sentiment_score":-0.019545452684284217,"num_words":31,"start":1931.0199,"end":1941.415},{"sentences":[{"text":"So ClearView is it's probably the biggest insurance company in Australia.","start":1942.275,"end":1947.3351,"sentiment":"neutral","sentiment_score":0.07746564732356505},{"text":"They're the one that's closest, t a l, tal, t a l, the capital three green letters.","start":1948.435,"end":1954.4551,"sentiment":"neutral","sentiment_score":0.04724748870905708},{"text":"The this Australian Life stands for.","start":1954.9,"end":1957.24,"sentiment":"neutral","sentiment_score":0.09088477740685146},{"text":"But, yeah, they they're massive, massive companies, and Clearview actually ended up not being the most comprehensive in terms of racing, but the cheapest for you.","start":1957.38,"end":1967.06,"sentiment":"neutral","sentiment_score":0.0028996669615690526},{"text":"Now it is a lot when I say when I say cheap, it's a lot more expensive than what you're paying now, and the reason for that is because we're recommending a lot more cover.","start":1967.06,"end":1975.485,"sentiment":"neutral","sentiment_score":-0.29617987892457415}],"sentiment":"neutral","sentiment_score":-0.08516069819268428,"num_words":95,"start":1942.275,"end":1975.485},{"sentences":[{"text":"Okay?","start":1976.025,"end":1976.425,"sentiment":"neutral","sentiment_score":-0.0728522390127182},{"text":"We're recommending $1,500,000 worth of life cover and the same for TPD that's linked.","start":1976.425,"end":1982.19,"sentiment":"neutral","sentiment_score":-0.03580194877992783},{"text":"But if you look at your income protection, it's $6,417 per month, and I'm gonna cover you all the way up to age 65.","start":1982.99,"end":1993.97,"sentiment":"neutral","sentiment_score":-0.03923273936379701},{"text":"So if you were to claim on this and you weren't able to return back to work for any any reason because of injury and illness, then this will carry on paying you all the way up to age 65.","start":1994.745,"end":2005.245,"sentiment":"neutral","sentiment_score":-0.04020113693550229},{"text":"But more importantly, the waiting period is thirty days.","start":2005.305,"end":2009.4501,"sentiment":"neutral","sentiment_score":-0.053226071099440254}],"sentiment":"neutral","sentiment_score":-0.040940288454294205,"num_words":88,"start":1976.025,"end":2009.4501},{"sentences":[{"text":"So same scenario, broken leg, you off work for three months, two months, other three months, you'll get paid 70% of your income, which is that $6,417 a month.","start":2011.03,"end":2023.135,"sentiment":"neutral","sentiment_score":0.04597124341746856},{"text":"Okay?","start":2023.515,"end":2024.015,"sentiment":"neutral","sentiment_score":0.015942467376589775},{"text":"Okay.","start":2025.355,"end":2025.835,"sentiment":"neutral","sentiment_score":-0.035630516707897186},{"text":"Now the next question is you're looking at a big number, 1,500,000, because the overall premium that will be charged out of your super fund is $3,710.71 per annum.","start":2025.835,"end":2038.97,"sentiment":"neutral","sentiment_score":-0.04966706589891993},{"text":"K?","start":2040.63,"end":2040.95,"sentiment":"neutral","sentiment_score":-0.042432818561792374}],"sentiment":"neutral","sentiment_score":-0.002775405243527694,"num_words":61,"start":2011.03,"end":2040.95},{"sentences":[{"text":"And every year that you get older, that increases because you get riskier to an insurance company.","start":2040.95,"end":2046.33,"sentiment":"neutral","sentiment_score":-0.32789754911380653},{"text":"So it does get more expensive.","start":2046.47,"end":2048.01,"sentiment":"negative","sentiment_score":-0.39935308198134106},{"text":"For that reason, I've also done a a recommendation of trauma, which you pay out of pocket.","start":2049.655,"end":2054.135,"sentiment":"neutral","sentiment_score":-0.003368913031676236},{"text":"This covers child trauma.","start":2054.135,"end":2055.9749,"sentiment":"neutral","sentiment_score":0.06533703487366438},{"text":"So that's just I did a one year's worth of income to a 110,000.","start":2055.9749,"end":2060.075,"sentiment":"neutral","sentiment_score":0.09704718446092946}],"sentiment":"neutral","sentiment_score":-0.11047654528299282,"num_words":58,"start":2040.95,"end":2060.075},{"sentences":[{"text":"And it's linked life because it actually, funnily enough, makes it cheaper to get an extra $110,000 worth of life cover in your personal name and link on trauma as a link benefit.","start":2060.6301,"end":2071.05,"sentiment":"neutral","sentiment_score":0.20364870514833566},{"text":"It made it made it $22 a month, something to consider.","start":2071.75,"end":2075.37,"sentiment":"neutral","sentiment_score":0.12240342220122163},{"text":"But what I really wanted to kinda show you is if you go down on this recommendation on page 47, I wanna show you how we calculated those numbers.","start":2075.9648,"end":2084.9448,"sentiment":"neutral","sentiment_score":0.13762288938822417},{"text":"Okay.","start":2087.7249,"end":2088.125,"sentiment":"neutral","sentiment_score":0.059733279049396515},{"text":"So have you can you see that needs analysis table?","start":2088.125,"end":2091.1,"sentiment":"neutral","sentiment_score":0.05118179880082607}],"sentiment":"neutral","sentiment_score":0.15035071396934135,"num_words":84,"start":2060.6301,"end":2091.1},{"sentences":[{"text":"Cool.","start":2092.76,"end":2093.26,"sentiment":"neutral","sentiment_score":0.13400879502296448},{"text":"So, again, shout out if you have any questions.","start":2093.4001,"end":2097.56,"sentiment":"neutral","sentiment_score":0.08136080702145894},{"text":"But looking at this table you're looking at, let's go with life cover.","start":2097.56,"end":2101.4202,"sentiment":"neutral","sentiment_score":0.014631568167645197},{"text":"So life, if you were to pass away, I'd assume you want the mortgage paid off and debts.","start":2101.715,"end":2106.595,"sentiment":"neutral","sentiment_score":-0.07660271682673031},{"text":"Right?","start":2106.595,"end":2107.095,"sentiment":"neutral","sentiment_score":0.03832679241895676}],"sentiment":"neutral","sentiment_score":-0.006763230144445386,"num_words":42,"start":2092.76,"end":2107.095},{"sentences":[{"text":"Perfect.","start":2107.875,"end":2108.375,"sentiment":"neutral","sentiment_score":0.281583309173584},{"text":"So that's at 547,000.","start":2108.435,"end":2110.855,"sentiment":"neutral","sentiment_score":0.09484247863292694},{"text":"After that, there's funeral expenditure, which is $20,000.","start":2111.235,"end":2114.675,"sentiment":"neutral","sentiment_score":-0.008177273208275437},{"text":"We put in there for funeral expenditure.","start":2114.675,"end":2116.375,"sentiment":"neutral","sentiment_score":-0.016262958624533246},{"text":"Obviously, it's not included in TPD because if you were totally permanently disabled, you're not dead, and you won't need a funeral.","start":2117.58,"end":2123.84,"sentiment":"neutral","sentiment_score":-0.11247647401284087}],"sentiment":"neutral","sentiment_score":-0.04744733572893199,"num_words":42,"start":2107.875,"end":2123.84},{"sentences":[{"text":"Okay?","start":2125.58,"end":2125.9802,"sentiment":"neutral","sentiment_score":-0.02300332859158516},{"text":"So that's that's the reason why it's not in there.","start":2125.9802,"end":2128.3801,"sentiment":"neutral","sentiment_score":-0.07033163420855999},{"text":"But then there's a cost of living replacement of income.","start":2128.3801,"end":2131.52,"sentiment":"neutral","sentiment_score":-0.08808166086673737},{"text":"So we do this by either five years, seven and a half years, or ten years depending on how many dependents you have.","start":2132.1548,"end":2138.9749,"sentiment":"neutral","sentiment_score":-0.01963822778476321},{"text":"And you've got the maximum dependents and for their age, your age and stage, we do it by ten years of replacement of income.","start":2139.4348,"end":2146.56,"sentiment":"neutral","sentiment_score":-0.014989406297293803}],"sentiment":"neutral","sentiment_score":-0.03556707749307594,"num_words":68,"start":2125.58,"end":2146.56},{"sentences":[{"text":"And the reason for that is because there's about five three to five years worth of what we call grief payment.","start":2146.56,"end":2152.5,"sentiment":"neutral","sentiment_score":-0.07718591995182492},{"text":"So, essentially, if you're not there physically, then at least you're there financially, whether you be TPD'd or you pass away for Brendan for ten years.","start":2152.8801,"end":2165.645,"sentiment":"neutral","sentiment_score":-0.10806284730251019},{"text":"So it gives him the opportunity to, you know, take a morning period of whatever however long that takes to, you know, take some time of working, not have to worry about the bills, have no mortgage, and still not and still look after the family and the kids, right, if you weren't there.","start":2165.645,"end":2182.13,"sentiment":"neutral","sentiment_score":0.31147574412601964},{"text":"Does that make sense?","start":2182.83,"end":2183.79,"sentiment":"neutral","sentiment_score":0.12467016652226448},{"text":"Or yeah.","start":2183.79,"end":2187.445,"sentiment":"neutral","sentiment_score":0.2707657963037491}],"sentiment":"neutral","sentiment_score":0.12550807563222457,"num_words":107,"start":2146.56,"end":2187.445},{"sentences":[{"text":"And then even if it's five years with morning period, the extra five years, there's an opportunity to still look after the kids, do everything that, you know, he he needs to do.","start":2187.445,"end":2197.2249,"sentiment":"neutral","sentiment_score":0.3012237092762282},{"text":"But if he doesn't wanna continue in the line of work or career he's in, then he can go to university or, you know, start an operation, and buy his own excavator and write his own start his own business or whatever it might be.","start":2197.285,"end":2211.74,"sentiment":"neutral","sentiment_score":0.10843556680613094},{"text":"It gives him options.","start":2211.74,"end":2212.8,"sentiment":"neutral","sentiment_score":0.24300025403499603},{"text":"So, again, if you're not there physically, you can be there financially still as if nothing were changed.","start":2213.4202,"end":2218.7349,"sentiment":"neutral","sentiment_score":-0.06075218578593598},{"text":"Does that make sense?","start":2218.7349,"end":2219.7148,"sentiment":"neutral","sentiment_score":0.0021113716065883636}],"sentiment":"neutral","sentiment_score":0.14141240452702802,"num_words":104,"start":2187.445,"end":2219.7148},{"sentences":[{"text":"For ten years.","start":2221.6948,"end":2222.6548,"sentiment":"neutral","sentiment_score":0.0363068071504434},{"text":"Correct.","start":2222.6548,"end":2223.1548,"sentiment":"neutral","sentiment_score":0.10795935243368147},{"text":"Okay?","start":2224.8948,"end":2225.3948,"sentiment":"neutral","sentiment_score":0.06920541077852249},{"text":"And, again, we do it for ten years.","start":2225.4548,"end":2227.3948,"sentiment":"neutral","sentiment_score":0.05050367768853903},{"text":"I can do a calculation all the way up to the age of 60 when he reaches a time to actually access super.","start":2227.4548,"end":2233.3098,"sentiment":"neutral","sentiment_score":0.04979783798689428}],"sentiment":"neutral","sentiment_score":0.05098513555195597,"num_words":36,"start":2221.6948,"end":2233.3098},{"sentences":[{"text":"But that means that your yeah.","start":2234.17,"end":2239.69,"sentiment":"neutral","sentiment_score":0.038737278431653976},{"text":"But that that means that your lump sum benefit, the insurance short amount that you need is gonna be upwards of $5,000,000, and the premium on that's, like, $10,000 a year, if if not more.","start":2239.69,"end":2251.105,"sentiment":"neutral","sentiment_score":0.007381274178624153},{"text":"So, again, it's about balancing this what you're paying versus what you can get.","start":2251.4849,"end":2257.185,"sentiment":"neutral","sentiment_score":-0.11103706434369087},{"text":"Because if you don't claim and none of this happens, then you've just paid $10,000 plus a year for something you don't or nothing.","start":2257.4849,"end":2265.63,"sentiment":"neutral","sentiment_score":-0.24017471944292387},{"text":"Okay?","start":2267.85,"end":2268.25,"sentiment":"neutral","sentiment_score":0.08461494743824005}],"sentiment":"neutral","sentiment_score":-0.08429161191452295,"num_words":80,"start":2234.17,"end":2268.25},{"sentences":[{"text":"So it's really important to try and balance the it's a very much balancing act to make sure that you cover enough.","start":2268.25,"end":2273.45,"sentiment":"neutral","sentiment_score":0.07272633876312863},{"text":"Right?","start":2273.45,"end":2273.95,"sentiment":"neutral","sentiment_score":0.05378362908959389},{"text":"Then what we do is we actually we wanna try and get the cover amount of sum insured as low as possible.","start":2275.0251,"end":2279.8452,"sentiment":"neutral","sentiment_score":0.035833672705021774},{"text":"So what we do is we take off your superannuation, which is a $108,590 at the moment.","start":2280.0652,"end":2286.885,"sentiment":"neutral","sentiment_score":-0.07947198235813309},{"text":"Because if you were to pass away or get TPD, your super is gonna get paid out to your beneficiary or yourself if you TPD.","start":2287.3298,"end":2294.71,"sentiment":"neutral","sentiment_score":-0.07037895500659942}],"sentiment":"neutral","sentiment_score":-0.007682686136371788,"num_words":87,"start":2268.25,"end":2294.71},{"sentences":[{"text":"Right?","start":2294.77,"end":2295.0898,"sentiment":"neutral","sentiment_score":-0.005302980542182922},{"text":"So if you've already got a $108,000 in there, then why do you need to pay premiums on it?","start":2295.0898,"end":2300.71,"sentiment":"neutral","sentiment_score":-0.09466450190857838},{"text":"Because you can reduce that from the amount that you need to be insured by.","start":2301.2751,"end":2304.7952,"sentiment":"neutral","sentiment_score":0.005269208053747813},{"text":"Right?","start":2304.7952,"end":2305.0352,"sentiment":"neutral","sentiment_score":0.044679515063762665},{"text":"Because that's an asset.","start":2305.0352,"end":2306.095,"sentiment":"neutral","sentiment_score":0.058827987872064114}],"sentiment":"neutral","sentiment_score":-0.03612247323617339,"num_words":40,"start":2294.77,"end":2306.095},{"sentences":[{"text":"Does that make sense?","start":2307.195,"end":2308.3352,"sentiment":"neutral","sentiment_score":0.15642645210027695},{"text":"Yeah.","start":2309.2751,"end":2309.7751,"sentiment":"positive","sentiment_score":0.3533916473388672},{"text":"Beautiful.","start":2309.915,"end":2310.415,"sentiment":"positive","sentiment_score":0.591335654258728},{"text":"So that means that your life insurance, the amount you need right now, so you're essentially, what your life's worth is more but as it sounds, is $1,558,410.","start":2310.635,"end":2322.38,"sentiment":"neutral","sentiment_score":0.2753635746027742},{"text":"That is what your life is worth.","start":2322.52,"end":2324.22,"sentiment":"neutral","sentiment_score":0.2690387581075941}],"sentiment":"neutral","sentiment_score":0.2722898659909644,"num_words":41,"start":2307.195,"end":2324.22},{"sentences":[{"text":"Okay?","start":2326.04,"end":2326.54,"sentiment":"neutral","sentiment_score":0.15530505776405334},{"text":"So your TPD is obviously the same number minus $20,000 because you that's the funeral expenditure.","start":2326.5999,"end":2333.065,"sentiment":"neutral","sentiment_score":0.19357607420533895},{"text":"Income protection is 70% at most in Australia for of your income, which is at $6,417 a month.","start":2334.085,"end":2342.9849,"sentiment":"neutral","sentiment_score":0.060913163133793406},{"text":"And then you look at trauma.","start":2343.54,"end":2345.22,"sentiment":"neutral","sentiment_score":-0.0529869565119346},{"text":"Trauma cover, I just I just did one year worth of cost of replacement of living.","start":2345.22,"end":2349.48,"sentiment":"neutral","sentiment_score":-0.06500554014928639}],"sentiment":"neutral","sentiment_score":0.052472785964869616,"num_words":57,"start":2326.04,"end":2349.48},{"sentences":[{"text":"This, you've got to pay out of your back pocket, which is, again, you know, we'll skip back up again.","start":2349.54,"end":2355.3,"sentiment":"neutral","sentiment_score":-0.058012616634368894},{"text":"But that covers things like the three the three big ones.","start":2355.3,"end":2359.655,"sentiment":"neutral","sentiment_score":-0.051541896028952164},{"text":"The big three are cancer, cardiovascular disease, or heart attacks is a big one, as well as strokes or TIA's, things like that.","start":2359.655,"end":2370.01,"sentiment":"neutral","sentiment_score":-0.1154293600955735},{"text":"So that's usually, I like to go with just everything paid out of the as superannuation so it doesn't affect your cash flow, especially for a young, struggling family.","start":2370.23,"end":2381.21,"sentiment":"neutral","sentiment_score":0.20107604845844465},{"text":"But it's definitely something that you should consider because it's one of the highest claimed upon after income protection.","start":2381.955,"end":2387.0151,"sentiment":"neutral","sentiment_score":0.3282571576143566}],"sentiment":"neutral","sentiment_score":0.07535296988983949,"num_words":102,"start":2349.54,"end":2387.0151},{"sentences":[{"text":"Because we're in Australia.","start":2388.115,"end":2389.2551,"sentiment":"neutral","sentiment_score":0.11613370478153229},{"text":"You know?","start":2389.395,"end":2389.7952,"sentiment":"neutral","sentiment_score":0.07169438153505325},{"text":"Accounts is a big thing.","start":2389.7952,"end":2390.935,"sentiment":"neutral","sentiment_score":0.1898295536637306},{"text":"Exactly.","start":2394.0352,"end":2394.5352,"sentiment":"positive","sentiment_score":0.4118325710296631},{"text":"So it's definitely something that you wanna consider.","start":2394.7551,"end":2397.0952,"sentiment":"positive","sentiment_score":0.4271738869138062}],"sentiment":"neutral","sentiment_score":0.2693147508427501,"num_words":20,"start":2388.115,"end":2397.0952},{"sentences":[{"text":"I want I did that recommendation in there so that you can at least, you know, get an idea of what it looks like and what the cost would be.","start":2398.3298,"end":2405.31,"sentiment":"neutral","sentiment_score":0.21247174888849257},{"text":"Okay?","start":2405.53,"end":2406.03,"sentiment":"neutral","sentiment_score":0.11435281485319138},{"text":"So does that make sense about how we calculate these numbers?","start":2407.05,"end":2409.77,"sentiment":"neutral","sentiment_score":0.09652685170823877},{"text":"We don't just pull them out of the mail.","start":2409.77,"end":2411.05,"sentiment":"neutral","sentiment_score":0.027796261840396456},{"text":"We actually work out what you need.","start":2411.05,"end":2412.75,"sentiment":"neutral","sentiment_score":0.13415345975330897}],"sentiment":"neutral","sentiment_score":0.1506817452609539,"num_words":58,"start":2398.3298,"end":2412.75},{"sentences":[{"text":"Beautiful.","start":2414.505,"end":2415.005,"sentiment":"positive","sentiment_score":0.6337724328041077},{"text":"Any questions?","start":2415.065,"end":2415.885,"sentiment":"neutral","sentiment_score":0.2278747707605362},{"text":"Great question.","start":2424.265,"end":2425.085,"sentiment":"neutral","sentiment_score":0.2558889389038086},{"text":"Yes.","start":2425.865,"end":2426.345,"sentiment":"neutral","sentiment_score":0.10235200822353364},{"text":"We revise this every twelve months because every twelve months, you your super's grown.","start":2426.345,"end":2432.75,"sentiment":"neutral","sentiment_score":0.17102489647056376}],"sentiment":"neutral","sentiment_score":0.20490002054721118,"num_words":20,"start":2414.505,"end":2432.75},{"sentences":[{"text":"Your asset your asset worth net pool has kinda grown in value, and you paid your mortgages down.","start":2433.0498,"end":2439.69,"sentiment":"neutral","sentiment_score":0.2974178029431237},{"text":"Right?","start":2439.69,"end":2440.19,"sentiment":"neutral","sentiment_score":0.1575197875499725},{"text":"So the whole point is to be self insured.","start":2440.725,"end":2443.685,"sentiment":"positive","sentiment_score":0.333826728992992},{"text":"Because if you had $1,500,000 in cash with your current situation, then you wouldn't need to pay some other bloke a premium every year, 3,000, $4,000 a year to cover your needs because you'd be able to cover them yourself.","start":2443.685,"end":2456.11,"sentiment":"neutral","sentiment_score":0.22327790334820746},{"text":"That's the ultimate outcome.","start":2456.11,"end":2457.3901,"sentiment":"positive","sentiment_score":0.3655981868505478}],"sentiment":"neutral","sentiment_score":0.2626248567054669,"num_words":72,"start":2433.0498,"end":2457.3901},{"sentences":[{"text":"That's what we wanna get to.","start":2457.3901,"end":2458.77,"sentiment":"neutral","sentiment_score":0.25178200006484985},{"text":"But because you can't cover it yourself, we cover this.","start":2458.83,"end":2462.43,"sentiment":"neutral","sentiment_score":0.005698646046221256},{"text":"But to answer your question, I don't add on any investment properties or any investment debt.","start":2462.43,"end":2468.925,"sentiment":"neutral","sentiment_score":-0.18126745847985148},{"text":"And the reason for that is because this is worst case scenario.","start":2469.085,"end":2472.465,"sentiment":"neutral","sentiment_score":-0.307000948737065},{"text":"Exactly.","start":2475.405,"end":2475.905,"sentiment":"neutral","sentiment_score":-0.03586912155151367}],"sentiment":"neutral","sentiment_score":-0.11227736402716902,"num_words":45,"start":2457.3901,"end":2475.905},{"sentences":[{"text":"So if you if you're if you're in a position to have yeah.","start":2476.205,"end":2480.205,"sentiment":"neutral","sentiment_score":0.003658854402601719},{"text":"If you're in a position that's exactly right.","start":2480.205,"end":2482.125,"sentiment":"neutral","sentiment_score":0.07175145484507084},{"text":"If you're in a position to have a benefit of having an investment property as well as your own, then if the worst were to happen, you can just sell the the your partner, you know, widower, if you would, could just sell the investment property and be left with some equity.","start":2482.125,"end":2497.245,"sentiment":"neutral","sentiment_score":0.01935174110202262},{"text":"Or if you're in a fortunate enough position, have multiple investment properties that are actually bringing you positive gearing, and then you, you know, you essentially have after all the rents, rates, fees, all the the deductions and everything, every year, you can have an investment portfolio of properties that brings in income of $6,417 a month.","start":2498.2852,"end":2517.75,"sentiment":"neutral","sentiment_score":0.27193773426769074},{"text":"Because then you don't need to pay for an income protection because you can cover it yourself.","start":2517.75,"end":2521.29,"sentiment":"neutral","sentiment_score":0.15842677389874177}],"sentiment":"neutral","sentiment_score":0.1348406346451466,"num_words":147,"start":2476.205,"end":2521.29},{"sentences":[{"text":"That's the plan.","start":2523.365,"end":2524.165,"sentiment":"positive","sentiment_score":0.5721009572347006},{"text":"That's the goal.","start":2524.165,"end":2524.9648,"sentiment":"positive","sentiment_score":0.6231321493784586},{"text":"That's the overall goal.","start":2524.9648,"end":2526.085,"sentiment":"positive","sentiment_score":0.5932878106832504},{"text":"That's that's that's what we wanna get to.","start":2526.085,"end":2528.565,"sentiment":"positive","sentiment_score":0.4682112783193588},{"text":"Right?","start":2528.565,"end":2529.065,"sentiment":"neutral","sentiment_score":0.15203872323036194}],"sentiment":"positive","sentiment_score":0.518767342755669,"num_words":19,"start":2523.365,"end":2529.065},{"sentences":[{"text":"So, no, we don't increase it.","start":2529.365,"end":2531.365,"sentiment":"neutral","sentiment_score":-0.2398996502161026},{"text":"We do review your insurances comprehensively every twelve months because I'm not a fan of insurance.","start":2531.365,"end":2536.565,"sentiment":"neutral","sentiment_score":-0.26020319759845734},{"text":"It's a necessary evil.","start":2536.565,"end":2538.185,"sentiment":"negative","sentiment_score":-0.5780067443847656},{"text":"That's why I wanted to give you a recommendation on your superannuation as well.","start":2538.62,"end":2541.74,"sentiment":"neutral","sentiment_score":0.15143673654113496},{"text":"Because if we're increasing the amount of cover you need and therefore the the price you're paying for it, then we wanna make sure that's not easy to wait your superannuation so that you don't end up if you don't, the worst thing that can happen essentially is you pay all these premiums for this cover, but you don't get enough return or contributions to get to the end of, you know, your working life, let's say, age 60 to retire because you can access super then, and you're left with no super, and you haven't made an insurance claim because you've spent it all in premiums, and nothing's happened to you.","start":2541.74,"end":2572.45,"sentiment":"neutral","sentiment_score":-0.29497595187941833}],"sentiment":"neutral","sentiment_score":-0.25547281802190763,"num_words":152,"start":2529.365,"end":2572.45},{"sentences":[{"text":"Because then you're left with nothing and no refund policy.","start":2572.45,"end":2574.95,"sentiment":"negative","sentiment_score":-0.5266554415225982},{"text":"Yeah.","start":2576.45,"end":2576.95,"sentiment":"neutral","sentiment_score":0.2319150418043137},{"text":"You know what I mean?","start":2578.1301,"end":2578.85,"sentiment":"neutral","sentiment_score":0.16868549585342407},{"text":"So it's really important to balance that out.","start":2578.85,"end":2580.69,"sentiment":"neutral","sentiment_score":0.22123094275593758},{"text":"And like I like I said before, we review this really, really thoroughly every 12 months.","start":2580.69,"end":2586.905,"sentiment":"neutral","sentiment_score":0.2015845743007958}],"sentiment":"neutral","sentiment_score":0.020099720917642117,"num_words":40,"start":2572.45,"end":2586.905},{"sentences":[{"text":"And if you just just so you're aware, if you go down a little bit from the the next so we outline why this is in your best interest and what needs analysis looks like for yourself on page 47.","start":2588.645,"end":2598.98,"sentiment":"neutral","sentiment_score":0.19390410799533128},{"text":"48, count it continues and why we're looking at what we're looking at.","start":2599.04,"end":2603.76,"sentiment":"neutral","sentiment_score":0.13313750808055586},{"text":"If we go on to your outcomes, the every strategy's got the what we're doing, why it's in your best interest, how we've calculated it, the outcomes, which includes advantages and disadvantages, as you can see on page 49.","start":2603.76,"end":2616.8052,"sentiment":"neutral","sentiment_score":0.20746130200150686},{"text":"And there there's a lot of them.","start":2617.2651,"end":2619.125,"sentiment":"neutral","sentiment_score":-0.0007185645268431731},{"text":"And the risks included in all of this example, maybe you don't claim, and then you don't get a refund of all the insurance premiums.","start":2619.3452,"end":2627.58,"sentiment":"negative","sentiment_score":-0.49567625045776365}],"sentiment":"neutral","sentiment_score":0.041782310401510085,"num_words":124,"start":2588.645,"end":2627.58},{"sentences":[{"text":"You know?","start":2628.04,"end":2628.4402,"sentiment":"neutral","sentiment_score":-0.14890705049037933},{"text":"There's we take all that into consideration.","start":2628.4402,"end":2630.3,"sentiment":"neutral","sentiment_score":-0.060752074633325846},{"text":"And then if you go all the way down to page, you know, page 53, those are some alternatives we considered as well.","start":2630.6,"end":2637.955,"sentiment":"neutral","sentiment_score":0.06676674553233644},{"text":"So every strategy including super and Brandon's insurance recommendations has all of these.","start":2638.095,"end":2644.0151,"sentiment":"neutral","sentiment_score":0.23349722016316193},{"text":"So I'll let you read in your own time, but this is just from a compliance point of view.","start":2644.0151,"end":2647.695,"sentiment":"neutral","sentiment_score":0.11115820313754834}],"sentiment":"neutral","sentiment_score":0.09312541008694097,"num_words":64,"start":2628.04,"end":2647.695},{"sentences":[{"text":"We have to put these in in writing so that you can understand why we recommended what we recommended.","start":2647.695,"end":2652.64,"sentiment":"neutral","sentiment_score":0.10944674164056778},{"text":"Okay?","start":2655.42,"end":2655.92,"sentiment":"neutral","sentiment_score":0.059493549168109894},{"text":"K.","start":2658.38,"end":2658.6199,"sentiment":"neutral","sentiment_score":0.0026384107768535614},{"text":"So that's your insurance recommendations to cover your needs.","start":2658.6199,"end":2662.695,"sentiment":"neutral","sentiment_score":0.1239548416601287},{"text":"Now if we go back up to page page 44 oh, sorry.","start":2663.575,"end":2668.455,"sentiment":"neutral","sentiment_score":0.04741553341348966}],"sentiment":"neutral","sentiment_score":0.09110000064330441,"num_words":42,"start":2647.695,"end":2668.455},{"sentences":[{"text":"43, we can look at what we're recommending and why we recommend now it gives you an understanding of why we need to recommend that amount of cover for what we're recommending.","start":2668.455,"end":2677.2751,"sentiment":"neutral","sentiment_score":0.10461904108524323},{"text":"Does that all kind of and you see how it all works together?","start":2680.65,"end":2683.55,"sentiment":"neutral","sentiment_score":0.11598227516962932},{"text":"So this is where I wanted to bring up the benefit period of your income protection and your total permanent disability.","start":2686.73,"end":2693.9648,"sentiment":"neutral","sentiment_score":0.1656894694481577},{"text":"So remember you said you no one explained how it works?","start":2694.345,"end":2697.005,"sentiment":"neutral","sentiment_score":-0.023486696183681488},{"text":"We are recommending I can drop it down to about five year benefit, but I'm recommending age 65 because if you weren't able to work because of injury or illness for more than, say, five years, then you're probably never gonna go back to work again.","start":2697.305,"end":2710.1602,"sentiment":"neutral","sentiment_score":-0.20167925370776135}],"sentiment":"neutral","sentiment_score":-0.009760500636042618,"num_words":123,"start":2668.455,"end":2710.1602},{"sentences":[{"text":"Correct?","start":2710.1602,"end":2710.6602,"sentiment":"neutral","sentiment_score":-0.01800839975476265},{"text":"So at five years, we can well, even less than that.","start":2712.8,"end":2715.76,"sentiment":"neutral","sentiment_score":-0.25018993290987884},{"text":"If it's if it's a severe case, then what we'll do is we'll not only do an income protection claim, we can also do an a TPD claim.","start":2715.76,"end":2723.315,"sentiment":"neutral","sentiment_score":-0.08111964578607253},{"text":"And what will happen is we would get paid you would get a continuous income all the way up to age 65 of 70% of your income, which is $6,417 every month all the way up.","start":2723.615,"end":2735.26,"sentiment":"neutral","sentiment_score":0.2454764060676098},{"text":"But not only that, you'd also get $1,500,000 paid out in in a total permanent disability claim, which means the mortgage is gone, and you still have about, you know, somewhere around a million dollars left to go to funder to be able to facilitate the premium period if, you know, Rennon didn't wanna work or you wanted to build up some investments so that you can be in a position to continue on a your your lifestyle, especially if you if you can't go back to work or injury illness or you, you know, paralyzed, something along those lines.","start":2736.44,"end":2769.71,"sentiment":"neutral","sentiment_score":0.08442672628909349}],"sentiment":"neutral","sentiment_score":0.06953622445210138,"num_words":176,"start":2710.1602,"end":2769.71},{"sentences":[{"text":"Usually, when we do insurance policy claims, it's pretty severe, especially in the TPD realm.","start":2770.01,"end":2776.19,"sentiment":"neutral","sentiment_score":-0.2633181114991506},{"text":"I can tell you some horror stories, but I don't think we have time because you you've got kids too.","start":2776.695,"end":2782.235,"sentiment":"neutral","sentiment_score":-0.3229497462511063},{"text":"The the the next page, just to just to touch on the Clearview trauma policy, see it's life cover with trauma and linked.","start":2785.5752,"end":2793.51,"sentiment":"neutral","sentiment_score":0.03912895731627941},{"text":"So it's a life policy for a 110,000, one year worth of income, gross, but I've linked on trauma.","start":2793.51,"end":2801.37,"sentiment":"neutral","sentiment_score":0.05729295234931143},{"text":"And the series is a standalone versus linked.","start":2801.59,"end":2804.6501,"sentiment":"neutral","sentiment_score":0.030198052525520325}],"sentiment":"neutral","sentiment_score":-0.09621941252228092,"num_words":85,"start":2770.01,"end":2804.6501},{"sentences":[{"text":"Can you see that on page 44?","start":2807.1748,"end":2809.115,"sentiment":"neutral","sentiment_score":0.027898758117641722},{"text":"Yep.","start":2810.855,"end":2811.255,"sentiment":"neutral","sentiment_score":0.13402436673641205},{"text":"So that means that your trauma policy is linked to your life cover.","start":2811.255,"end":2814.2349,"sentiment":"neutral","sentiment_score":0.21574420768481034},{"text":"And, essentially, what that means is the reason why we do that is because it makes it cheaper.","start":2814.535,"end":2819.755,"sentiment":"neutral","sentiment_score":0.24602474603388044},{"text":"Some yes.","start":2820.8398,"end":2823.48,"sentiment":"neutral","sentiment_score":0.1945524513721466}],"sentiment":"neutral","sentiment_score":0.1939400171906483,"num_words":41,"start":2807.1748,"end":2823.48},{"sentences":[{"text":"Right.","start":2823.48,"end":2823.98,"sentiment":"neutral","sentiment_score":0.09036320447921752},{"text":"Yeah.","start":2825.3198,"end":2825.72,"sentiment":"neutral","sentiment_score":0.11943453550338744},{"text":"Correct.","start":2825.72,"end":2826.0398,"sentiment":"neutral","sentiment_score":0.14969587326049805},{"text":"Exactly.","start":2826.0398,"end":2826.5398,"sentiment":"neutral","sentiment_score":0.11667083203792572},{"text":"A month.","start":2826.5999,"end":2827.0,"sentiment":"neutral","sentiment_score":0.08634093031287193}],"sentiment":"neutral","sentiment_score":0.1081410509844621,"num_words":6,"start":2823.48,"end":2827.0},{"sentences":[{"text":"Yeah.","start":2827.0,"end":2827.3198,"sentiment":"neutral","sentiment_score":0.08229213953018188},{"text":"$22.04.","start":2827.3198,"end":2828.7598,"sentiment":"neutral","sentiment_score":0.10555776208639144},{"text":"But you the thing is you gotta pay for it out of your back pocket because of the ownership of the cover.","start":2828.7598,"end":2833.18,"sentiment":"neutral","sentiment_score":-0.012323532592166554},{"text":"You know?","start":2833.445,"end":2833.765,"sentiment":"neutral","sentiment_score":-0.005662865936756135},{"text":"The the the the technically, the life and total permanent disability and income protection, if we cover it and get it pay and we get it paid by super, technically, the policy owner is the super fund trustee.","start":2833.765,"end":2847.705,"sentiment":"neutral","sentiment_score":0.07668968211663396}],"sentiment":"neutral","sentiment_score":0.044056474580429494,"num_words":64,"start":2827.0,"end":2847.705},{"sentences":[{"text":"You're the life insured.","start":2848.085,"end":2849.305,"sentiment":"neutral","sentiment_score":0.0862408448010683},{"text":"So if you have a heart attack and you get a lump sum payout because it's post tax, you gotta own it yourself.","start":2851.3901,"end":2856.69,"sentiment":"neutral","sentiment_score":0.0782908151007217},{"text":"So that's the only reason why it's paid out of super.","start":2857.1501,"end":2859.4102,"sentiment":"neutral","sentiment_score":0.04346132583238862},{"text":"Okay?","start":2860.03,"end":2860.53,"sentiment":"neutral","sentiment_score":0.10809026658535004},{"text":"And more what's what's what's interesting as well is we actually got your cover even though you need to be covered for a little bit more than 1.5 mil, we dropped down to 1.5 mil because you get a discount.","start":2861.47,"end":2873.495,"sentiment":"neutral","sentiment_score":0.189495668746531}],"sentiment":"neutral","sentiment_score":0.13052713578637642,"num_words":79,"start":2848.085,"end":2873.495},{"sentences":[{"text":"So at 500,000, 750,000, 1,000,000, and 1,500,000 and 2,000,000, you get a discount on the premium.","start":2873.495,"end":2881.6199,"sentiment":"neutral","sentiment_score":0.28449060767889023},{"text":"So what I mean by that is yes.","start":2882.0,"end":2884.0,"sentiment":"neutral","sentiment_score":0.17877634428441525},{"text":"We but if what I mean by that is, let's just say you need cover for 1,390,000.","start":2884.0,"end":2889.22,"sentiment":"neutral","sentiment_score":0.04567025930565946},{"text":"Right?","start":2889.465,"end":2889.965,"sentiment":"neutral","sentiment_score":0.05395431071519852},{"text":"More often than not, if you look at doing the exact same quote and you bump that life and TPD cover up to 1,500,000, you actually have a cheaper no.","start":2890.5852,"end":2900.105,"sentiment":"neutral","sentiment_score":0.19149538551767667}],"sentiment":"neutral","sentiment_score":0.1744065383552677,"num_words":72,"start":2873.495,"end":2900.105},{"sentences":[{"text":"Yeah.","start":2900.105,"end":2900.3452,"sentiment":"neutral","sentiment_score":0.26924681663513184},{"text":"Well, you get a cheaper premium sometimes.","start":2900.3452,"end":2902.2852,"sentiment":"positive","sentiment_score":0.43514556544167654},{"text":"Yeah.","start":2902.3452,"end":2902.8452,"sentiment":"neutral","sentiment_score":0.2995765209197998},{"text":"Yeah.","start":2904.3699,"end":2904.77,"sentiment":"positive","sentiment_score":0.41153162717819214},{"text":"So you get it's just like a incentive to kind of get more cover and just part to be competitive.","start":2904.77,"end":2911.03,"sentiment":"positive","sentiment_score":0.4962466090917587}],"sentiment":"positive","sentiment_score":0.4650435368220011,"num_words":30,"start":2900.105,"end":2911.03},{"sentences":[{"text":"Somebody somewhere along the way, an insurance company did it.","start":2911.17,"end":2913.89,"sentiment":"neutral","sentiment_score":0.1369418017566204},{"text":"But ever all insurance companies do it now.","start":2913.89,"end":2915.97,"sentiment":"neutral","sentiment_score":0.08521388564258814},{"text":"You find the most benefit close to a million.","start":2915.97,"end":2918.23,"sentiment":"positive","sentiment_score":0.34520184331470066},{"text":"So if you need to be covered for 922,000, I think it is, is round about the average point.","start":2918.405,"end":2924.005,"sentiment":"neutral","sentiment_score":0.21413462334557584},{"text":"It's actually the same amount of premium that you gotta pay every year for a million dollars worth of cover.","start":2924.005,"end":2928.7249,"sentiment":"neutral","sentiment_score":0.18501305766403675}],"sentiment":"neutral","sentiment_score":0.19586007105130138,"num_words":66,"start":2911.17,"end":2928.7249},{"sentences":[{"text":"So you must okay.","start":2928.7249,"end":2929.365,"sentiment":"neutral","sentiment_score":0.18852026388049126},{"text":"Couple for the extra $80.","start":2929.365,"end":2930.885,"sentiment":"neutral","sentiment_score":0.1549761563539505},{"text":"Alright?","start":2930.885,"end":2931.385,"sentiment":"neutral","sentiment_score":0.10613249987363815},{"text":"Yeah.","start":2932.82,"end":2933.14,"sentiment":"neutral","sentiment_score":0.000591672956943512},{"text":"So that's just a little bit of insight.","start":2933.14,"end":2934.92,"sentiment":"neutral","sentiment_score":-0.005634569242829457}],"sentiment":"neutral","sentiment_score":0.08371628716735072,"num_words":19,"start":2928.7249,"end":2934.92},{"sentences":[{"text":"But, again, it is expensive.","start":2935.22,"end":2936.76,"sentiment":"neutral","sentiment_score":-0.32047785222530367},{"text":"It's gonna be $3,710.71 per annum.","start":2937.14,"end":2941.56,"sentiment":"neutral","sentiment_score":-0.15731976677974066},{"text":"And, again, we try and and it increases it over time.","start":2941.7,"end":2945.08,"sentiment":"neutral","sentiment_score":-0.008226092566143383},{"text":"Every year as the policy comes to renewal because you get a year old and it gets you get more risky.","start":2945.805,"end":2951.9849,"sentiment":"neutral","sentiment_score":-0.24007379441034227},{"text":"So what we do is we try and reduce the sum insured to in line with your needs to reduce that premium down to keep it around about the same every year.","start":2952.045,"end":2960.7048,"sentiment":"neutral","sentiment_score":0.05888269597198814}],"sentiment":"neutral","sentiment_score":-0.07725464388728141,"num_words":75,"start":2935.22,"end":2960.7048},{"sentences":[{"text":"K.","start":2963.03,"end":2963.43,"sentiment":"neutral","sentiment_score":0.04628230258822441},{"text":"Do you have any questions, concerns, or anything before I move back to Brendan's?","start":2963.43,"end":2966.81,"sentiment":"neutral","sentiment_score":0.030965052545070648},{"text":"Or yep.","start":2966.95,"end":2974.81,"sentiment":"neutral","sentiment_score":0.05114530026912689},{"text":"Yep.","start":2975.35,"end":2975.85,"sentiment":"neutral","sentiment_score":-0.0261253472417593},{"text":"Absolutely.","start":2985.065,"end":2985.565,"sentiment":"positive","sentiment_score":0.6658691763877869}],"sentiment":"neutral","sentiment_score":0.06430670883702605,"num_words":19,"start":2963.03,"end":2985.565},{"sentences":[{"text":"So I'm glad you brought that up because I can definitely do quotes for two years, five years, age two age 60, and two age 65.","start":2986.185,"end":2996.79,"sentiment":"positive","sentiment_score":0.7064125400323135},{"text":"So this is this is where it goes.","start":2997.89,"end":3001.0898,"sentiment":"positive","sentiment_score":0.5295370481908321},{"text":"This is where it comes back to what it means in your superannuation because your super is paying for it.","start":3001.0898,"end":3007.235,"sentiment":"positive","sentiment_score":0.4648619756102562},{"text":"K?","start":3007.695,"end":3008.195,"sentiment":"neutral","sentiment_score":0.16648174822330475},{"text":"So what it looks like is to get the full beans, the full comprehensive cover, all the way up to age 65 with no mortgage and extra cover for the TPD if that were to occur, then, yeah, absolutely, it can be five years.","start":3008.2551,"end":3024.32,"sentiment":"neutral","sentiment_score":0.2961629678241231}],"sentiment":"positive","sentiment_score":0.45553448758643084,"num_words":99,"start":2986.185,"end":3024.32},{"sentences":[{"text":"But if you get a TPD payout and pay your mortgage off, it would be beneficial to have, you know, ongoing monthly revenue or income all the way up to 65 when the reason why we put it to 65 is what we call the full beans is because that's when you start accessing your government pension.","start":3024.54,"end":3042.945,"sentiment":"positive","sentiment_score":0.34750494570062873},{"text":"So you essentially have income every month coming in and then to a point where you can get fortnightly Social Security benefits as well.","start":3042.945,"end":3051.4902,"sentiment":"positive","sentiment_score":0.4134756848216057},{"text":"So that's that's what the cover is for.","start":3051.87,"end":3054.2102,"sentiment":"positive","sentiment_score":0.4512307085096836},{"text":"The reason why I wanted to give you the total amount all the way up to age 65 is because of your, again, superannuation.","start":3054.51,"end":3061.105,"sentiment":"neutral","sentiment_score":0.2521548941731453},{"text":"So if you wanna go to page page 27 for me.","start":3061.565,"end":3067.005,"sentiment":"neutral","sentiment_score":0.11263379623944109}],"sentiment":"neutral","sentiment_score":0.32767526796388047,"num_words":124,"start":3024.54,"end":3067.005},{"sentences":[{"text":"Let's go back to that fee comparison table.","start":3067.005,"end":3069.265,"sentiment":"neutral","sentiment_score":0.1434921445325017},{"text":"I wanna show you the benefits of having all the cover.","start":3070.365,"end":3074.22,"sentiment":"neutral","sentiment_score":0.31118692457675934},{"text":"But to drop it to five years, that's gonna reduce the premium down to the $2.5 kind of region.","start":3074.22,"end":3081.2,"sentiment":"neutral","sentiment_score":0.2134030998537415},{"text":"So I'll make it cheaper.","start":3083.42,"end":3084.6401,"sentiment":"neutral","sentiment_score":0.14417733550071715},{"text":"Oh, sorry.","start":3086.355,"end":3086.7551,"sentiment":"neutral","sentiment_score":-0.02875735890120268}],"sentiment":"neutral","sentiment_score":0.20642275963392523,"num_words":45,"start":3067.005,"end":3086.7551},{"sentences":[{"text":"Page 27.","start":3086.7551,"end":3087.975,"sentiment":"neutral","sentiment_score":-0.010198526084423065},{"text":"Mhmm.","start":3091.875,"end":3092.355,"sentiment":"neutral","sentiment_score":0.010767638683319092},{"text":"So this is the fee comparison between your q super and hub 24.","start":3092.355,"end":3096.115,"sentiment":"neutral","sentiment_score":0.02397481810588103},{"text":"We went through that before, obviously.","start":3096.115,"end":3097.975,"sentiment":"neutral","sentiment_score":0.015733033573875826},{"text":"But what I'm trying to do is if you go to the next page.","start":3098.48,"end":3101.8398,"sentiment":"neutral","sentiment_score":-0.01514051521995238}],"sentiment":"neutral","sentiment_score":0.005124283618190222,"num_words":36,"start":3086.7551,"end":3101.8398},{"sentences":[{"text":"This is what the I did a five year benefit.","start":3101.8398,"end":3104.9,"sentiment":"neutral","sentiment_score":-0.011261293850839137},{"text":"Oh, sorry.","start":3105.2,"end":3105.68,"sentiment":"neutral","sentiment_score":-0.044777609407901764},{"text":"A five year outcome.","start":3105.68,"end":3106.8198,"sentiment":"neutral","sentiment_score":-0.015855537727475166},{"text":"Okay.","start":3107.3599,"end":3107.68,"sentiment":"neutral","sentiment_score":0.017822375521063805},{"text":"So five year outcome, and then I did to age 60, when you can access super, and you indicated by that age you wanted to retire on that, I believe, a thousand dollars a month.","start":3107.68,"end":3117.675,"sentiment":"neutral","sentiment_score":0.0732773014477321}],"sentiment":"neutral","sentiment_score":0.04455649265303062,"num_words":52,"start":3101.8398,"end":3117.675},{"sentences":[{"text":"Oh, sorry.","start":3117.675,"end":3118.155,"sentiment":"neutral","sentiment_score":-0.08855092711746693},{"text":"A thousand dollars a week with no debt.","start":3118.155,"end":3121.595,"sentiment":"neutral","sentiment_score":-0.060120075941085815},{"text":"Do you remember that conversation?","start":3121.595,"end":3122.8152,"sentiment":"neutral","sentiment_score":-0.07191322520375251},{"text":"No.","start":3127.9302,"end":3128.1702,"sentiment":"neutral","sentiment_score":-0.2790278196334839},{"text":"That's okay.","start":3128.1702,"end":3128.8901,"sentiment":"neutral","sentiment_score":-0.0851878672838211}],"sentiment":"neutral","sentiment_score":-0.0815017856657505,"num_words":18,"start":3117.675,"end":3128.8901},{"sentences":[{"text":"So when we when we had our initial consultation, you one of the one of the questions that I I asked was when you get to retirement and you both decide to hang up your boots, what does that look like?","start":3128.8901,"end":3140.185,"sentiment":"neutral","sentiment_score":0.004897228510278027},{"text":"What when do you wanna retire?","start":3140.185,"end":3141.805,"sentiment":"neutral","sentiment_score":-0.05368117491404215},{"text":"And on how much per week if you had no mortgage, no debts, what what would that look like?","start":3141.945,"end":3147.565,"sentiment":"neutral","sentiment_score":-0.009782316849419945},{"text":"And we kinda came to the number of $1,000 a week or $52,000 a year.","start":3147.625,"end":3152.765,"sentiment":"neutral","sentiment_score":0.10836160232623418},{"text":"So a thousand dollars a week to be able to it's about three overseas holidays a year.","start":3152.825,"end":3157.04,"sentiment":"neutral","sentiment_score":0.12528547403566978}],"sentiment":"neutral","sentiment_score":0.03518482033467414,"num_words":98,"start":3128.8901,"end":3157.04},{"sentences":[{"text":"The kids have moved out.","start":3157.04,"end":3158.4202,"sentiment":"neutral","sentiment_score":0.06059713661670685},{"text":"That's what we kind of determined would be a suitable income per week to be able to live on.","start":3158.8801,"end":3165.3,"sentiment":"neutral","sentiment_score":0.2033208004738155},{"text":"Right?","start":3165.76,"end":3166.26,"sentiment":"neutral","sentiment_score":0.05283135175704956},{"text":"Do you remember that?","start":3166.475,"end":3167.355,"sentiment":"neutral","sentiment_score":0.008687520399689674},{"text":"Or Sort of.","start":3167.355,"end":3172.715,"sentiment":"neutral","sentiment_score":-0.01741432088116805}],"sentiment":"neutral","sentiment_score":0.1312943550874479,"num_words":32,"start":3157.04,"end":3172.715},{"sentences":[{"text":"Okay.","start":3172.715,"end":3173.215,"sentiment":"neutral","sentiment_score":0.04265483468770981},{"text":"Just for yourself and Brandon?","start":3175.115,"end":3177.055,"sentiment":"neutral","sentiment_score":0.08804800733923912},{"text":"Just well, I did it for both of you, but you both combined with these projections, you actually exceeded you get you get a thousand for each of you.","start":3177.195,"end":3187.5498,"sentiment":"neutral","sentiment_score":0.3150510709604313},{"text":"But, yeah, I did I wanted to work towards the number of a thousand dollars per week and have a certain balance to be able to achieve that on a certain return.","start":3187.69,"end":3195.615,"sentiment":"positive","sentiment_score":0.3751754960976541},{"text":"Because if you add a 1,000,000 to so the numbers I was working with was with everything included, can we guess your superannuations to a position where you can essentially with cover of insurance the whole way through to cover your needs and hopefully, eventually, bring it reduce it down to nothing.","start":3195.675,"end":3212.95,"sentiment":"neutral","sentiment_score":0.1853590917128783}],"sentiment":"neutral","sentiment_score":0.2627198703649665,"num_words":119,"start":3172.715,"end":3212.95},{"sentences":[{"text":"But to cover your needs where we can have a balance of $4,000 a week to live on to be fully financially free.","start":3213.1702,"end":3221.295,"sentiment":"positive","sentiment_score":0.34166268615618994},{"text":"If you have a thousand dollars a week, there's fifty two weeks in a year.","start":3221.295,"end":3223.855,"sentiment":"neutral","sentiment_score":0.08207533148427805},{"text":"That's $52,000 in a year.","start":3223.855,"end":3225.955,"sentiment":"neutral","sentiment_score":0.08725388869643211},{"text":"So the number if you were to get a 5% return on a balance of $1,040,000, that would be $52,000 in a year.","start":3226.015,"end":3235.3699,"sentiment":"neutral","sentiment_score":0.31360508177591406},{"text":"Right?","start":3235.67,"end":3236.17,"sentiment":"neutral","sentiment_score":0.2235555350780487}],"sentiment":"neutral","sentiment_score":0.2531658748248175,"num_words":67,"start":3213.1702,"end":3236.17},{"sentences":[{"text":"And I use 5% because that's a little bit over cash after inflation and fees and whatever.","start":3236.23,"end":3241.13,"sentiment":"positive","sentiment_score":0.3576888564754935},{"text":"Very achievable.","start":3241.19,"end":3242.0898,"sentiment":"positive","sentiment_score":0.6745853126049042},{"text":"Right?","start":3242.47,"end":3242.97,"sentiment":"positive","sentiment_score":0.3891271352767944},{"text":"So if you had $1,040,000 in your super balance, by the time we get there, and hopefully by then, no debts, So you cancel your insurances.","start":3243.67,"end":3250.065,"sentiment":"neutral","sentiment_score":0.14876484570021814},{"text":"You don't need them anymore.","start":3250.125,"end":3251.2651,"sentiment":"neutral","sentiment_score":-0.11107915341854095}],"sentiment":"neutral","sentiment_score":0.21826467728790114,"num_words":51,"start":3236.23,"end":3251.2651},{"sentences":[{"text":"But if you had $1,040,000 and it grew by 5% in one year, net of fees, net of everything, then you would have 50 you would have 52 it'll grow by $52,000.","start":3251.805,"end":3263.0051,"sentiment":"neutral","sentiment_score":0.2692492704372853},{"text":"You pull that out, withdraw it from super tax free to be able to live on, you'd be you'd be left after a year with the same balance that you started with.","start":3263.0051,"end":3273.51,"sentiment":"positive","sentiment_score":0.4082606742158532},{"text":"So, essentially, you're living on interest.","start":3273.89,"end":3275.97,"sentiment":"positive","sentiment_score":0.551158661643664},{"text":"That is that is full financial freedom.","start":3275.97,"end":3277.99,"sentiment":"positive","sentiment_score":0.6306647402899606},{"text":"That's the number I was working with.","start":3278.21,"end":3279.675,"sentiment":"positive","sentiment_score":0.345862478017807}],"sentiment":"positive","sentiment_score":0.3788447705585332,"num_words":84,"start":3251.805,"end":3279.675},{"sentences":[{"text":"With.","start":3279.675,"end":3280.175,"sentiment":"neutral","sentiment_score":0.008183201774954796},{"text":"Okay.","start":3286.955,"end":3287.435,"sentiment":"neutral","sentiment_score":-0.21327704191207889},{"text":"Okay.","start":3287.435,"end":3287.935,"sentiment":"neutral","sentiment_score":-0.11261150240898132},{"text":"Alright.","start":3288.555,"end":3289.0352,"sentiment":"neutral","sentiment_score":-0.08703307807445526},{"text":"Sorry.","start":3289.0352,"end":3289.435,"sentiment":"neutral","sentiment_score":-0.11328263580799104}],"sentiment":"neutral","sentiment_score":-0.10360421128571033,"num_words":5,"start":3279.675,"end":3289.435},{"sentences":[{"text":"We're talking so we were talking about insurances, but now I'm talking about the financial planning perspective of trying to get you to what you need to retire on with including these increase of insurances.","start":3289.435,"end":3303.7,"sentiment":"neutral","sentiment_score":-0.04395623808460576},{"text":"Because the insurances that we're increasing and buy to to suit your needs is very expensive.","start":3305.145,"end":3309.865,"sentiment":"neutral","sentiment_score":-0.21395491110160947},{"text":"It's it's comprehensive cover, and because it's covering you for significantly more, you pay more premiums.","start":3309.865,"end":3314.925,"sentiment":"neutral","sentiment_score":-0.19039824791252613},{"text":"So if so if you're covered for that extra cover and therefore higher premiums per annum, then are we going to be in a position where you'd still be able to retire on what you would like to retire on?","start":3315.705,"end":3329.61,"sentiment":"neutral","sentiment_score":0.063110738620162},{"text":"Does that make sense?","start":3332.175,"end":3333.215,"sentiment":"neutral","sentiment_score":0.07108476292341948}],"sentiment":"neutral","sentiment_score":-0.046840993519704624,"num_words":111,"start":3289.435,"end":3333.215},{"sentences":[{"text":"Or Mhmm.","start":3333.215,"end":3338.975,"sentiment":"neutral","sentiment_score":0.026437588967382908},{"text":"Yep.","start":3338.975,"end":3339.475,"sentiment":"neutral","sentiment_score":0.043542951345443726},{"text":"Exactly.","start":3342.2551,"end":3342.7551,"sentiment":"neutral","sentiment_score":0.07761792838573456},{"text":"Exactly.","start":3343.615,"end":3344.115,"sentiment":"neutral","sentiment_score":0.11775869131088255},{"text":"And then well well, no.","start":3344.495,"end":3354.22,"sentiment":"neutral","sentiment_score":0.0022455483675003053}],"sentiment":"neutral","sentiment_score":0.03030224908143282,"num_words":10,"start":3333.215,"end":3354.22},{"sentences":[{"text":"Because if you see the second line, it says lump sum by age 60.","start":3354.22,"end":3358.16,"sentiment":"neutral","sentiment_score":-0.020221815444529057},{"text":"So thirty two years.","start":3359.3398,"end":3360.46,"sentiment":"neutral","sentiment_score":-0.0032527639996260405},{"text":"You see that number?","start":3360.46,"end":3363.155,"sentiment":"neutral","sentiment_score":0.005988755030557513},{"text":"So that is the number I'm looking at because you can't this has only got to do with superannuation and insurances that'll be paid from superannuation.","start":3363.155,"end":3372.055,"sentiment":"neutral","sentiment_score":-0.02899278994076527},{"text":"So when I'm looking at covering you for insurances, but getting your super to pay for it, I wanna know the effects of what your suit that looks like for your superannuation.","start":3372.5151,"end":3380.7202,"sentiment":"neutral","sentiment_score":-0.04525970033137128}],"sentiment":"neutral","sentiment_score":-0.030928555014543235,"num_words":80,"start":3354.22,"end":3380.7202},{"sentences":[{"text":"So if you got if you left everything as is with q super, but have cover that you're paying since you're on page 27, you're paying $734 a year for that current insurance.","start":3381.58,"end":3393.875,"sentiment":"neutral","sentiment_score":-0.11281604364965901},{"text":"That's your current situation.","start":3393.875,"end":3395.015,"sentiment":"neutral","sentiment_score":-0.1364227719604969},{"text":"Right?","start":3395.395,"end":3395.895,"sentiment":"neutral","sentiment_score":-0.014614393003284931},{"text":"Can you see that?","start":3396.835,"end":3397.895,"sentiment":"neutral","sentiment_score":-0.02173886401578784},{"text":"That's $34.","start":3407.12,"end":3408.6401,"sentiment":"neutral","sentiment_score":-0.00010990304872393608}],"sentiment":"neutral","sentiment_score":-0.09932750416919589,"num_words":44,"start":3381.58,"end":3408.6401},{"sentences":[{"text":"Correct.","start":3408.6401,"end":3409.04,"sentiment":"neutral","sentiment_score":0.028909968212246895},{"text":"Okay?","start":3409.04,"end":3409.36,"sentiment":"neutral","sentiment_score":0.027209389954805378},{"text":"And that's that's the fees that you're paying for the super fund itself, and that's the growth that you've achieved in that high growth investments over the last five years.","start":3409.36,"end":3418.1,"sentiment":"neutral","sentiment_score":0.27625362053513525},{"text":"So from from the July 31, go back five years, and you look at the overall return and then you average it up per annum, you've essentially got a return of 8.77% every year per annum.","start":3418.32,"end":3432.015,"sentiment":"neutral","sentiment_score":0.22270123619172308},{"text":"So if we look at that outcome with the cover that you're under insured by, as we did worked out by your needs analysis, if you carried on ticking along, if something were to happen, then you wouldn't you're not insured for enough to actually cover your needs.","start":3432.8699,"end":3448.905,"sentiment":"neutral","sentiment_score":0.007199186210831006}],"sentiment":"neutral","sentiment_score":0.14402183978657784,"num_words":116,"start":3408.6401,"end":3448.905},{"sentences":[{"text":"So that's the first thing we identified.","start":3449.5251,"end":3451.145,"sentiment":"neutral","sentiment_score":0.028182659298181534},{"text":"Next, we go, alright.","start":3451.845,"end":3453.045,"sentiment":"neutral","sentiment_score":0.03801874443888664},{"text":"Well, if you were to continue, just leave everything as is.","start":3453.045,"end":3457.465,"sentiment":"neutral","sentiment_score":0.0134368742054159},{"text":"And after I did a five year comparison because well, five year projection because I'm doing a five year rolling average, so five years back, what does it look like in another five years based on those numbers?","start":3457.58,"end":3467.68,"sentiment":"neutral","sentiment_score":0.04713436755302705},{"text":"And what the effects of higher insurance premiums would look like based on our recommendation.","start":3469.02,"end":3474.255,"sentiment":"neutral","sentiment_score":0.018047097573677697}],"sentiment":"neutral","sentiment_score":0.03411962186296781,"num_words":75,"start":3449.5251,"end":3474.255},{"sentences":[{"text":"But then not only that, you can only access super by age 60.","start":3475.115,"end":3478.575,"sentiment":"neutral","sentiment_score":0.10277655090277012},{"text":"You can't you can't access it sooner.","start":3478.955,"end":3480.7349,"sentiment":"neutral","sentiment_score":-0.26777673406260355},{"text":"Right?","start":3481.515,"end":3482.015,"sentiment":"neutral","sentiment_score":-0.15020355582237244},{"text":"So by age 60, what does it look like if you were to leave everything as is?","start":3483.755,"end":3489.5898,"sentiment":"neutral","sentiment_score":-0.03189907611950355},{"text":"So when you get there with your current insurance, you would end up with $1,516,113 based on those numbers, net of fees.","start":3489.5898,"end":3499.7698,"sentiment":"neutral","sentiment_score":0.003528318060985343}],"sentiment":"neutral","sentiment_score":-0.019220113820241143,"num_words":60,"start":3475.115,"end":3499.7698},{"sentences":[{"text":"That's the that was that's what your super balance would be.","start":3499.895,"end":3502.6948,"sentiment":"neutral","sentiment_score":0.014308134771206162},{"text":"Right?","start":3502.6948,"end":3503.1948,"sentiment":"neutral","sentiment_score":0.028685342520475388},{"text":"And that that's more, essentially, than the 1,040,000 that we wanted to try and get to.","start":3503.7349,"end":3509.275,"sentiment":"neutral","sentiment_score":0.008749641401664121},{"text":"So does that kind of does that give you an idea of what I was trying to explain before, or does that make sense?","start":3509.575,"end":3515.96,"sentiment":"neutral","sentiment_score":0.02633550196575622},{"text":"No.","start":3518.42,"end":3518.66,"sentiment":"neutral","sentiment_score":-0.09158091992139816}],"sentiment":"neutral","sentiment_score":0.016349815371455096,"num_words":53,"start":3499.895,"end":3518.66},{"sentences":[{"text":"That's okay.","start":3518.66,"end":3519.22,"sentiment":"neutral","sentiment_score":0.006957223638892174},{"text":"That's alright.","start":3519.22,"end":3519.86,"sentiment":"neutral","sentiment_score":0.15408144891262054},{"text":"That's that's that's the point of this conversation.","start":3519.86,"end":3521.96,"sentiment":"neutral","sentiment_score":0.11141792219132185},{"text":"So, essentially, if we use the same logic on, let's say, a 5% return net because we wanna reduce risk as much as possible when you get to retirement.","start":3522.34,"end":3531.035,"sentiment":"neutral","sentiment_score":0.1077705188814936},{"text":"Because if our GFC two point o hits, then I don't want you to be invested in any shares.","start":3531.415,"end":3536.135,"sentiment":"neutral","sentiment_score":-0.04072896253905798}],"sentiment":"neutral","sentiment_score":0.059415258032580215,"num_words":60,"start":3518.66,"end":3536.135},{"sentences":[{"text":"I only want you to be invested in bonds, you know, really safe, safer assets.","start":3536.135,"end":3540.2349,"sentiment":"neutral","sentiment_score":0.06471242184440294},{"text":"So if you're looking at the same logic, a 5% return on $1,516,113 times that five a 5% return, that's essentially $75,805.65 in a year.","start":3541.75,"end":3556.33,"sentiment":"neutral","sentiment_score":0.07438203290104867},{"text":"So you can have an income of $75,800 per annum, like, as if you were working, but you're retired.","start":3556.335,"end":3563.2349,"sentiment":"neutral","sentiment_score":0.10898272457875703},{"text":"And you can you can have that you can pull that out of super tax free and after every year on a 5% return and still be left with the exact same 1,516,113.","start":3563.375,"end":3575.97,"sentiment":"neutral","sentiment_score":0.1247838017615405},{"text":"Yeah.","start":3578.03,"end":3578.53,"sentiment":"neutral","sentiment_score":0.11330661922693253}],"sentiment":"neutral","sentiment_score":0.09819441929619799,"num_words":93,"start":3536.135,"end":3578.53},{"sentences":[{"text":"Does that make sense?","start":3578.75,"end":3579.6301,"sentiment":"neutral","sentiment_score":0.0967547595500946},{"text":"So you're living on interest.","start":3579.6301,"end":3580.75,"sentiment":"neutral","sentiment_score":0.1179653063416481},{"text":"That that's free money.","start":3580.75,"end":3582.05,"sentiment":"neutral","sentiment_score":0.14532537758350372},{"text":"I'm glad.","start":3589.575,"end":3590.2349,"sentiment":"neutral","sentiment_score":0.19414229691028595},{"text":"That is that is a great question.","start":3590.295,"end":3592.375,"sentiment":"positive","sentiment_score":0.41405731439590454}],"sentiment":"neutral","sentiment_score":0.2202196761288426,"num_words":22,"start":3578.75,"end":3592.375},{"sentences":[{"text":"I can't you nailed that one.","start":3592.375,"end":3594.375,"sentiment":"neutral","sentiment_score":-0.07759122115870316},{"text":"And the answer is, yes.","start":3594.375,"end":3596.49,"sentiment":"neutral","sentiment_score":0.03995141908526421},{"text":"We do take inflate no.","start":3596.49,"end":3597.85,"sentiment":"neutral","sentiment_score":-0.09661214351654053},{"text":"The answer is yes.","start":3597.85,"end":3598.65,"sentiment":"neutral","sentiment_score":0.005988996475934982},{"text":"So we do take inflation to account in the calculations.","start":3598.65,"end":3601.6301,"sentiment":"neutral","sentiment_score":0.028980112355202436}],"sentiment":"neutral","sentiment_score":-0.014503127988427877,"num_words":30,"start":3592.375,"end":3601.6301},{"sentences":[{"text":"We're projecting this forward.","start":3601.77,"end":3603.23,"sentiment":"neutral","sentiment_score":0.20881231129169464},{"text":"We take 3% inflation into accounts.","start":3603.29,"end":3605.6301,"sentiment":"neutral","sentiment_score":0.13931409642100334},{"text":"It's not quite at 3% at the moment.","start":3605.85,"end":3608.33,"sentiment":"neutral","sentiment_score":-0.11566926201339811},{"text":"It's a little bit higher than that.","start":3608.33,"end":3609.77,"sentiment":"neutral","sentiment_score":-0.13284373709133693},{"text":"But the RBA's inflates, like, cash rated one they wanted inflation and cash rate to be somewhere around the two to 3%.","start":3609.77,"end":3617.145,"sentiment":"neutral","sentiment_score":0.09583780728280544}],"sentiment":"neutral","sentiment_score":0.04094266655676542,"num_words":47,"start":3601.77,"end":3617.145},{"sentences":[{"text":"So most calculation like, in MoneySmart budget calculator, they'd use inflation of two and a half percent every year.","start":3617.365,"end":3624.42,"sentiment":"neutral","sentiment_score":0.215646325757629},{"text":"We use 3% just to be safe.","start":3624.5798,"end":3626.76,"sentiment":"neutral","sentiment_score":0.21968013899666922},{"text":"So if that's $11,000,001,500,000 or $1,516,113 by the age of 60 is in tomorrow's dollars.","start":3626.9,"end":3636.435,"sentiment":"neutral","sentiment_score":0.20285245577494304},{"text":"Does that make sense?","start":3638.2751,"end":3639.335,"sentiment":"neutral","sentiment_score":0.1897822879254818},{"text":"So that's gonna be the value of that much as if it was today's dollars but in the future.","start":3639.715,"end":3644.7551,"sentiment":"neutral","sentiment_score":0.21244658568972036}],"sentiment":"neutral","sentiment_score":0.21052253560628742,"num_words":64,"start":3617.365,"end":3644.7551},{"sentences":[{"text":"So we take inflation into account.","start":3644.7551,"end":3646.615,"sentiment":"neutral","sentiment_score":0.035995496747394405},{"text":"Yeah.","start":3646.915,"end":3647.315,"sentiment":"neutral","sentiment_score":0.0357510931789875},{"text":"Yeah.","start":3647.315,"end":3647.475,"sentiment":"neutral","sentiment_score":0.05408896878361702},{"text":"It's in tomorrow's dollars because tomorrow's dollar is not the same dollar as today.","start":3647.475,"end":3651.06,"sentiment":"neutral","sentiment_score":-0.07007863824920994},{"text":"So we we we factor that in exact that's in tomorrow's dollars.","start":3651.3,"end":3657.48,"sentiment":"neutral","sentiment_score":0.018995423180361588}],"sentiment":"neutral","sentiment_score":-0.01315714161404792,"num_words":34,"start":3644.7551,"end":3657.48},{"sentences":[{"text":"Yep.","start":3660.58,"end":3660.9001,"sentiment":"neutral","sentiment_score":0.1397545337677002},{"text":"So by the time you get to in a way, in today's dollars, correct.","start":3660.9001,"end":3664.725,"sentiment":"neutral","sentiment_score":0.11799788368599755},{"text":"So by the time you get to age 60 in a thirty two years' time, you the same 1,500,000 that would be worth today is gonna be the same then as well because we take inflation into account.","start":3664.965,"end":3678.745,"sentiment":"neutral","sentiment_score":0.19911725387761467},{"text":"Correct.","start":3682.49,"end":3682.99,"sentiment":"neutral","sentiment_score":0.14195331931114197},{"text":"Does that does that kinda make sense?","start":3684.6501,"end":3686.51,"sentiment":"neutral","sentiment_score":0.15758011702980315}],"sentiment":"neutral","sentiment_score":0.1738228637908326,"num_words":61,"start":3660.58,"end":3686.51},{"sentences":[{"text":"Sort of.","start":3692.73,"end":3693.195,"sentiment":"neutral","sentiment_score":0.08676929399371147},{"text":"So if you however much 1,500,000 can buy today, it's gonna be in tomorrow's dollars.","start":3693.355,"end":3700.8152,"sentiment":"neutral","sentiment_score":0.18668581992387773},{"text":"It's gonna be the it's whatever you can buy for 1,500,000 in in thirty two years' time, but in those dollars.","start":3700.955,"end":3708.2551,"sentiment":"neutral","sentiment_score":0.16069935546034858},{"text":"So we've taken inflation into account by three percent.","start":3708.51,"end":3712.29,"sentiment":"neutral","sentiment_score":0.3277379771073659},{"text":"So if inflation increases by 3% on average every year for thirty two years, that's that's that's factored into, yeah, today's dollars.","start":3713.71,"end":3722.805,"sentiment":"neutral","sentiment_score":0.2826104746623473}],"sentiment":"neutral","sentiment_score":0.22486354475436005,"num_words":69,"start":3692.73,"end":3722.805},{"sentences":[{"text":"Okay.","start":3728.405,"end":3728.905,"sentiment":"neutral","sentiment_score":-0.0028476007282733917},{"text":"I don't think I I don't think I explained that correctly.","start":3729.845,"end":3732.425,"sentiment":"neutral","sentiment_score":-0.25859419866041705},{"text":"Yeah.","start":3732.4849,"end":3732.7249,"sentiment":"neutral","sentiment_score":-0.1018856167793274},{"text":"Do do what what did you take from that?","start":3732.7249,"end":3735.4448,"sentiment":"neutral","sentiment_score":-0.08672009077337053},{"text":"How do how how do you see that as?","start":3735.4448,"end":3737.58,"sentiment":"neutral","sentiment_score":-0.04913322048054801}],"sentiment":"neutral","sentiment_score":-0.13457900658249855,"num_words":31,"start":3728.405,"end":3737.58},{"sentences":[{"text":"So no.","start":3746.54,"end":3747.98,"sentiment":"neutral","sentiment_score":-0.12034454196691513},{"text":"So it's taken 3%.","start":3747.98,"end":3750.46,"sentiment":"neutral","sentiment_score":-0.10862072370946407},{"text":"So whatever the calculation is, every year, we've taken off 3% because of inflation.","start":3750.46,"end":3758.055,"sentiment":"neutral","sentiment_score":-0.13828319577234133},{"text":"So it's in yeah.","start":3758.915,"end":3760.915,"sentiment":"neutral","sentiment_score":0.05515346396714449},{"text":"So it's it's it's in future dollars.","start":3760.915,"end":3762.835,"sentiment":"neutral","sentiment_score":0.1703277975320816}],"sentiment":"neutral","sentiment_score":-0.038652525193268256,"num_words":31,"start":3746.54,"end":3762.835},{"sentences":[{"text":"So by the time you get to age 32 oh, sorry.","start":3762.835,"end":3765.635,"sentiment":"neutral","sentiment_score":0.13623446971178055},{"text":"Age 60 in thirty two years, that value then is gonna be worth 3% rolling compounding average of 1,500,000 as today's dollars.","start":3765.635,"end":3777.16,"sentiment":"neutral","sentiment_score":0.20992212742567062},{"text":"So it's gonna be worth 1,500,000 in today's dollars.","start":3777.16,"end":3781.725,"sentiment":"neutral","sentiment_score":0.24222772320111594},{"text":"Does that make more does that make more sense?","start":3783.725,"end":3785.965,"sentiment":"neutral","sentiment_score":0.13008848743306267},{"text":"Or beautiful.","start":3785.965,"end":3789.5652,"sentiment":"positive","sentiment_score":0.33374761044979095}],"sentiment":"neutral","sentiment_score":0.19123032239248167,"num_words":53,"start":3762.835,"end":3789.5652},{"sentences":[{"text":"But then the question is, well, are you insured for enough for that $734 per annum premium?","start":3789.5652,"end":3795.485,"sentiment":"neutral","sentiment_score":-0.08199556281461436},{"text":"And the answer's no.","start":3795.485,"end":3796.59,"sentiment":"neutral","sentiment_score":-0.28621071577072144},{"text":"So we went through the calculation recommending cover that's gonna cost again, I apologize.","start":3796.6702,"end":3801.47,"sentiment":"neutral","sentiment_score":-0.18116591285381997},{"text":"It's the difference is $2,977.","start":3801.47,"end":3805.33,"sentiment":"neutral","sentiment_score":-0.12369558662176132},{"text":"So that pub 24 column is actually what the difference in fees are.","start":3805.3901,"end":3809.47,"sentiment":"neutral","sentiment_score":-0.05522925535646769}],"sentiment":"neutral","sentiment_score":-0.12097261252127728,"num_words":53,"start":3789.5652,"end":3809.47},{"sentences":[{"text":"For some reason, the the table shifted left, but I can send you an email with the actual comparison that I'm looking at.","start":3809.47,"end":3816.8152,"sentiment":"neutral","sentiment_score":0.024487303245974625},{"text":"The insurance premiums is $3,711 per annum, which is the recommendation that we just went through, the 1,500,000 of life and TPD.","start":3817.7551,"end":3827.94,"sentiment":"neutral","sentiment_score":0.06697125343436544},{"text":"Do you remember that?","start":3828.02,"end":3828.92,"sentiment":"neutral","sentiment_score":0.017417746130377054},{"text":"Yep.","start":3830.42,"end":3830.74,"sentiment":"neutral","sentiment_score":0.1578245609998703},{"text":"So for all that cover, comes to $3,711 per annum, approximately, to be exact, $3,710.71, which is about 31% of your super contributions just from working every year.","start":3830.74,"end":3845.9648,"sentiment":"neutral","sentiment_score":0.19622609285371645}],"sentiment":"neutral","sentiment_score":0.09946668840562686,"num_words":78,"start":3809.47,"end":3845.9648},{"sentences":[{"text":"So you still keep 70 or 69% in your super fund growing for retirement.","start":3846.105,"end":3850.9248,"sentiment":"neutral","sentiment_score":0.274800354880946},{"text":"K?","start":3851.865,"end":3852.1848,"sentiment":"neutral","sentiment_score":0.03307425603270531},{"text":"So that's important to note.","start":3852.1848,"end":3853.645,"sentiment":"neutral","sentiment_score":0.007739758491516114},{"text":"Yeah.","start":3855.1199,"end":3855.44,"sentiment":"neutral","sentiment_score":0.0503128357231617},{"text":"So that's that's got so that kinda gives you an idea.","start":3855.44,"end":3858.16,"sentiment":"neutral","sentiment_score":0.1288708397610621}],"sentiment":"neutral","sentiment_score":0.16833969030994922,"num_words":32,"start":3846.105,"end":3858.16},{"sentences":[{"text":"We like this this is just just the same page.","start":3858.16,"end":3861.92,"sentiment":"positive","sentiment_score":0.3680392861366272},{"text":"I'm just giving you an idea of what the outcome and what the effects would be based on an increase of insurance premiums as well as our fees.","start":3861.92,"end":3872.875,"sentiment":"positive","sentiment_score":0.3415490814617702},{"text":"And you'll see over five years, you're gonna be $12 lower than what you would have been with q super.","start":3872.935,"end":3878.875,"sentiment":"positive","sentiment_score":0.3621583737432957},{"text":"And the reason for that is because of the upfront fee of the balance.","start":3880.49,"end":3884.97,"sentiment":"neutral","sentiment_score":0.08374610623078686},{"text":"You see how it dropped by $3,300?","start":3884.97,"end":3887.23,"sentiment":"neutral","sentiment_score":-0.0009246030822396278}],"sentiment":"neutral","sentiment_score":0.2740874415546467,"num_words":79,"start":3858.16,"end":3887.23},{"sentences":[{"text":"So if we manage your superannuation and the charge of the statement of advice, it's for it's $4,950 per person.","start":3887.77,"end":3895.7852,"sentiment":"neutral","sentiment_score":0.17522499412298204},{"text":"But for a couple, it's 3,300 each.","start":3895.7852,"end":3898.745,"sentiment":"neutral","sentiment_score":0.12691894386495864},{"text":"So we reduce that fee down between you, if that makes sense.","start":3898.745,"end":3902.205,"sentiment":"neutral","sentiment_score":0.28514644627769786},{"text":"Because that so that's what that fee is.","start":3902.2651,"end":3905.4,"sentiment":"neutral","sentiment_score":0.21905658766627312},{"text":"So with that fee as well as that ongoing advisory, the percentage base, the more money you make, the more money we make.","start":3905.64,"end":3912.1199,"sentiment":"neutral","sentiment_score":0.2556165281845176}],"sentiment":"neutral","sentiment_score":0.2206617527774402,"num_words":70,"start":3887.77,"end":3912.1199},{"sentences":[{"text":"If you lose money, we don't make as much money.","start":3912.1199,"end":3914.46,"sentiment":"neutral","sentiment_score":-0.31117708683013917},{"text":"So that's the reason why over the shorter term, it's it's it takes a while for that compounding return to really kick in.","start":3914.52,"end":3923.345,"sentiment":"neutral","sentiment_score":-0.1903645418908285},{"text":"So it does take a while to kinda catch up, especially with the increase of insurance premiums.","start":3923.405,"end":3928.785,"sentiment":"neutral","sentiment_score":-0.30292338220512166},{"text":"But the larger the snowball, the more snow it picks up.","start":3929.165,"end":3932.82,"sentiment":"neutral","sentiment_score":-0.12547571482983502},{"text":"So when you're looking at a bus eight years in, that's when it starts really, you know, gaining momentum.","start":3933.9402,"end":3941.4001,"sentiment":"neutral","sentiment_score":0.1946078248714146}],"sentiment":"neutral","sentiment_score":-0.1290317127481103,"num_words":80,"start":3912.1199,"end":3941.4001},{"sentences":[{"text":"And when you're looking at, you know, in fifteen years, you or twenty years' time when the balance is bigger, then you're gonna see or you're gonna see significant compounding return.","start":3942.1,"end":3953.375,"sentiment":"neutral","sentiment_score":0.1526600343565787},{"text":"You get higher returns.","start":3953.375,"end":3954.4949,"sentiment":"neutral","sentiment_score":0.27597033232450485},{"text":"That's why it increases over the longer term.","start":3954.4949,"end":3956.7349,"sentiment":"neutral","sentiment_score":0.25438703037798405},{"text":"So I just wanted to even if we look at super or our super recommendations or not and just go with the insurances, I just wanted to give you an outcome and give you an idea of what our full recommendation would be and why.","start":3956.7349,"end":3968.98,"sentiment":"neutral","sentiment_score":0.26635277453396056},{"text":"Because overall, you'll be in the $210,188 better position by a 60 with the Superfund, our investments returns, net of all of our fees.","start":3968.98,"end":3979.635,"sentiment":"neutral","sentiment_score":0.21873603016138077}],"sentiment":"neutral","sentiment_score":0.22416944835068925,"num_words":112,"start":3942.1,"end":3979.635},{"sentences":[{"text":"But more importantly you know what I mean?","start":3981.775,"end":3984.095,"sentiment":"neutral","sentiment_score":-0.06810546526685357},{"text":"So that's it.","start":3984.095,"end":3984.6548,"sentiment":"neutral","sentiment_score":-0.2000217984120051},{"text":"That's a mis outcome.","start":3984.6548,"end":3985.71,"sentiment":"negative","sentiment_score":-0.4053761884570122},{"text":"But what I've done as well is I've also done a comparison of if we only had the insurance premiums in your existing super fund.","start":3986.03,"end":3995.39,"sentiment":"neutral","sentiment_score":0.07109001856297255},{"text":"I've done that in the appendix as well.","start":3995.39,"end":3997.31,"sentiment":"neutral","sentiment_score":0.15192261524498463}],"sentiment":"neutral","sentiment_score":0.004712864892402043,"num_words":48,"start":3981.775,"end":3997.31},{"sentences":[{"text":"So let me know if you wanted to have a look at that, and I can walk you through that too.","start":3997.31,"end":4000.695,"sentiment":"neutral","sentiment_score":0.21944944986275264},{"text":"So, actually, now's a pretty good time.","start":4001.735,"end":4003.415,"sentiment":"neutral","sentiment_score":0.33329881940569195},{"text":"So if you go back to the email and you open up the second document, that is the appendix to the statement of advice.","start":4003.415,"end":4012.475,"sentiment":"neutral","sentiment_score":0.054974709171801805},{"text":"Yep.","start":4013.27,"end":4013.77,"sentiment":"neutral","sentiment_score":0.03622687980532646},{"text":"For some reason, my PDF didn't like me.","start":4014.71,"end":4016.39,"sentiment":"negative","sentiment_score":-0.37733112275600433}],"sentiment":"neutral","sentiment_score":0.08653280493177351,"num_words":61,"start":3997.31,"end":4016.39},{"sentences":[{"text":"It says some error.","start":4016.39,"end":4017.27,"sentiment":"negative","sentiment_score":-0.4113442227244377},{"text":"Bookmark not to find in some of them.","start":4017.27,"end":4019.3499,"sentiment":"negative","sentiment_score":-0.464050717651844},{"text":"But if you if you go down to the oh, it says another page numbers.","start":4019.3499,"end":4024.63,"sentiment":"neutral","sentiment_score":-0.0941922202706337},{"text":"That's right.","start":4024.63,"end":4025.03,"sentiment":"neutral","sentiment_score":0.03655235609039664},{"text":"It's appendix.","start":4025.03,"end":4025.77,"sentiment":"neutral","sentiment_score":0.03872034139931202}],"sentiment":"neutral","sentiment_score":-0.21355227552234166,"num_words":31,"start":4016.39,"end":4025.77},{"sentences":[{"text":"So after the you go down to the third page.","start":4025.915,"end":4027.9949,"sentiment":"neutral","sentiment_score":0.015247754380106926},{"text":"It says risk profile.","start":4027.9949,"end":4029.2148,"sentiment":"neutral","sentiment_score":0.00445256382226944},{"text":"Can you can you see that?","start":4032.635,"end":4033.755,"sentiment":"neutral","sentiment_score":0.06763086840510368},{"text":"Risk profile.","start":4033.755,"end":4034.4749,"sentiment":"neutral","sentiment_score":0.07605225592851639},{"text":"This gives you an idea of what defensive assets versus growth assets risk should look like.","start":4034.4749,"end":4039.68,"sentiment":"neutral","sentiment_score":0.20844378462061286}],"sentiment":"neutral","sentiment_score":0.10692837040283178,"num_words":38,"start":4025.915,"end":4039.68},{"sentences":[{"text":"So between your investment portfolios with PinSoup because your sup is invested.","start":4040.0798,"end":4043.8599,"sentiment":"neutral","sentiment_score":0.22352962071696916},{"text":"That's what that high growth investment option is.","start":4044.24,"end":4046.66,"sentiment":"neutral","sentiment_score":0.26231819577515125},{"text":"You go on next page, important relationship information, it continues on the page after that.","start":4047.04,"end":4052.385,"sentiment":"neutral","sentiment_score":0.15126870771249135},{"text":"Investment BDSs, this is the portfolio I'm actually recommending for yourself within that hub twenty four fund.","start":4052.785,"end":4058.565,"sentiment":"neutral","sentiment_score":0.26714347127605886},{"text":"But if you go after that, you'll see investment returns like for like Brandon and investment return like for like Madison.","start":4059.025,"end":4066.41,"sentiment":"neutral","sentiment_score":0.12904308097703115}],"sentiment":"neutral","sentiment_score":0.19590788140688856,"num_words":73,"start":4040.0798,"end":4066.41},{"sentences":[{"text":"Let's go to yours because we're talking about yours at the moment.","start":4068.17,"end":4070.5898,"sentiment":"neutral","sentiment_score":0.11007164046168327},{"text":"And you will see that in the same kind of column, current versus recommended.","start":4071.3699,"end":4075.0698,"sentiment":"neutral","sentiment_score":0.11062879248389176},{"text":"If you look at current, you'll notice the insurance premium is $3,711.","start":4076.0898,"end":4080.195,"sentiment":"neutral","sentiment_score":0.04403815884143114},{"text":"Yep.","start":4085.395,"end":4085.895,"sentiment":"neutral","sentiment_score":0.0906085968017578},{"text":"And that is so this is what would the outcome be if we kept your q super, but only wrote the insurances and got q super to pay for it?","start":4086.115,"end":4099.57,"sentiment":"neutral","sentiment_score":0.016116800780097643}],"sentiment":"neutral","sentiment_score":0.05756859864661659,"num_words":69,"start":4068.17,"end":4099.57},{"sentences":[{"text":"What does that look like?","start":4100.03,"end":4101.41,"sentiment":"neutral","sentiment_score":-0.0031498998403549196},{"text":"Does that make sense?","start":4102.51,"end":4103.65,"sentiment":"neutral","sentiment_score":0.02124321274459362},{"text":"So if we were to cancel the insurances you currently got with q super because we got these new introduced more expensive, more comprehensive, lot higher cover, then what would the outcome be?","start":4105.525,"end":4116.485,"sentiment":"neutral","sentiment_score":-0.1495432241848021},{"text":"So after five years, you'd have a 186,000.","start":4116.485,"end":4119.545,"sentiment":"neutral","sentiment_score":0.02224397170357406},{"text":"After ten years, you'd have 290,000.","start":4120.53,"end":4123.3496,"sentiment":"neutral","sentiment_score":0.011989531417687735}],"sentiment":"neutral","sentiment_score":-0.08242525150334197,"num_words":56,"start":4100.03,"end":4123.3496},{"sentences":[{"text":"And by age 60, in thirty two years, you'd have 1,268,000.","start":4123.4097,"end":4127.51,"sentiment":"neutral","sentiment_score":0.05278290232474154},{"text":"Okay?","start":4129.73,"end":4130.23,"sentiment":"neutral","sentiment_score":0.1033785417675972},{"text":"And then I did did a comparison versus, obviously, the same outcome, the same hub twenty four outcome as before.","start":4131.4097,"end":4139.445,"sentiment":"neutral","sentiment_score":0.1190911203622818},{"text":"So if you look for the comparison between two tables, after five years, it's the same $190,827.","start":4139.445,"end":4146.585,"sentiment":"neutral","sentiment_score":0.03325836590546019},{"text":"But because the insurance premiums on a like for like comparison are higher if we just do insurances, it's actually with the same insurance, but within the hub twenty four.","start":4146.805,"end":4157.04,"sentiment":"neutral","sentiment_score":0.0756127463032802}],"sentiment":"neutral","sentiment_score":0.07467832258324834,"num_words":79,"start":4123.4097,"end":4157.04},{"sentences":[{"text":"You'll save a dollar in fees in terms of administration investment cost, but you will also there'll be $4,000 paid off.","start":4157.1797,"end":4165.58,"sentiment":"neutral","sentiment_score":0.2858425343320483},{"text":"Woo hoo.","start":4165.58,"end":4166.235,"sentiment":"positive","sentiment_score":0.42125239968299866},{"text":"After five years, you'd make the upfront feedback.","start":4166.715,"end":4168.815,"sentiment":"neutral","sentiment_score":0.18217859603464603},{"text":"But, obviously, because you got significantly more insurance premiums to pay.","start":4169.435,"end":4174.0947,"sentiment":"neutral","sentiment_score":0.15495775165882977},{"text":"Does I I know there's a lot of numbers, and I know it's kinda hard to follow sometimes, but does that kinda make sense?","start":4176.395,"end":4181.755,"sentiment":"neutral","sentiment_score":0.012245077504000315}],"sentiment":"neutral","sentiment_score":0.15607642298423205,"num_words":66,"start":4157.1797,"end":4181.755},{"sentences":[{"text":"Or yeah.","start":4181.755,"end":4185.09,"sentiment":"neutral","sentiment_score":0.04126165993511677},{"text":"So not only do we need it from a from a compliance and best interest duty point of view, look at insurances, which is what you're after, because it's gonna be paid through super, I need to kind of assess your super situation as well, if that makes sense, and see if we can see if we can somehow counteract the increase of insurance premiums being paid to be able to still get you a beneficial outcome.","start":4185.09,"end":4208.95,"sentiment":"neutral","sentiment_score":0.16550702814544951},{"text":"That's why we included that recommendation in the actual statement of why isn't it?","start":4208.95,"end":4213.85,"sentiment":"neutral","sentiment_score":0.10904784221202135},{"text":"Does that make sense?","start":4216.23,"end":4217.29,"sentiment":"neutral","sentiment_score":0.09412539936602116},{"text":"Beautiful.","start":4219.27,"end":4219.77,"sentiment":"positive","sentiment_score":0.405207097530365}],"sentiment":"neutral","sentiment_score":0.1544381936023734,"num_words":98,"start":4181.755,"end":4219.77},{"sentences":[{"text":"Do you have any questions?","start":4220.63,"end":4221.785,"sentiment":"neutral","sentiment_score":0.14345183223485947},{"text":"Correct.","start":4230.4854,"end":4230.9854,"sentiment":"neutral","sentiment_score":0.07266754657030106},{"text":"So that's the next one.","start":4231.125,"end":4232.585,"sentiment":"neutral","sentiment_score":0.06902235671877861},{"text":"That's the one above yours.","start":4232.8853,"end":4234.0054,"sentiment":"neutral","sentiment_score":0.03422949090600014},{"text":"Sorry.","start":4234.0054,"end":4234.5054,"sentiment":"neutral","sentiment_score":-0.048324085772037506}],"sentiment":"neutral","sentiment_score":0.07399187412332087,"num_words":17,"start":4220.63,"end":4234.5054},{"sentences":[{"text":"So if you go back to the statement, keep in mind, these are the insurances the increased between c Bus as well as HUB twenty four.","start":4234.89,"end":4244.03,"sentiment":"neutral","sentiment_score":0.00961103498076017},{"text":"So if you we haven't gone through Brandon's, we've only gone through yours.","start":4244.09,"end":4247.085,"sentiment":"neutral","sentiment_score":0.02599126215164478},{"text":"But with the same concept, this will go a lot quicker because we've already gone through it.","start":4247.165,"end":4251.085,"sentiment":"neutral","sentiment_score":0.2107565889463705},{"text":"So if you go back to the statement of advice, the first attachment, and you go to page you go to page 32.","start":4251.085,"end":4262.065,"sentiment":"neutral","sentiment_score":0.05000787366019643},{"text":"Brandon's got you said you weren't a smoker.","start":4274.61,"end":4277.83,"sentiment":"neutral","sentiment_score":-0.02849908615462482}],"sentiment":"neutral","sentiment_score":0.05853820384490764,"num_words":87,"start":4234.89,"end":4277.83},{"sentences":[{"text":"Is Brandon there?","start":4278.1353,"end":4278.795,"sentiment":"neutral","sentiment_score":-0.021409394219517708},{"text":"Nope.","start":4281.495,"end":4281.995,"sentiment":"neutral","sentiment_score":-0.12814100086688995},{"text":"No.","start":4283.175,"end":4283.415,"sentiment":"neutral","sentiment_score":-0.2644782066345215},{"text":"That's okay.","start":4283.415,"end":4283.895,"sentiment":"neutral","sentiment_score":-0.06907998397946358},{"text":"So, Brandon, because he smoked cigarettes in the because he smoked cigarettes recently, No.","start":4283.895,"end":4305.705,"sentiment":"neutral","sentiment_score":-0.03804131830111146}],"sentiment":"neutral","sentiment_score":-0.05369456258735487,"num_words":21,"start":4278.1353,"end":4305.705},{"sentences":[{"text":"I understand that.","start":4305.705,"end":4306.665,"sentiment":"neutral","sentiment_score":-0.09322790801525116},{"text":"But to an insurer, they do not care at all at all.","start":4306.665,"end":4311.545,"sentiment":"neutral","sentiment_score":-0.1209933344895641},{"text":"So, yeah, we have to disclose that.","start":4311.545,"end":4313.305,"sentiment":"neutral","sentiment_score":-0.01719873970640557},{"text":"And just to give you an idea, the difference in premium for smoker and not in smoker, this is why I've done the different premiums in different places, is fourth instead of four instead of $2,952, it's gonna cost $4,140.88.","start":4313.305,"end":4334.525,"sentiment":"neutral","sentiment_score":0.0038288056384772062},{"text":"So page 32.","start":4337.305,"end":4338.765,"sentiment":"neutral","sentiment_score":-0.019214132179816563}],"sentiment":"neutral","sentiment_score":-0.027022847490241895,"num_words":65,"start":4305.705,"end":4338.765},{"sentences":[{"text":"Yeah.","start":4342.985,"end":4343.4,"sentiment":"neutral","sentiment_score":0.01674594357609749},{"text":"So just to put it in perspective, if you were not a smoker now I wanna point out you can see the life insurance.","start":4343.64,"end":4350.6797,"sentiment":"neutral","sentiment_score":0.007895415648818016},{"text":"Well, I'm only covering him for bare bones, which is 490,000, which is your mortgage in debt.","start":4350.6797,"end":4356.38,"sentiment":"neutral","sentiment_score":-0.0813568407560096},{"text":"Right?","start":4356.8555,"end":4357.3555,"sentiment":"neutral","sentiment_score":-0.060039881616830826},{"text":"The reason why it's so much more expensive for such less so much less cover is because of his occupation.","start":4357.495,"end":4364.395,"sentiment":"neutral","sentiment_score":-0.31525019034743307}],"sentiment":"neutral","sentiment_score":-0.11971228670269723,"num_words":63,"start":4342.985,"end":4364.395},{"sentences":[{"text":"Being the excavator driver instead of a nurse, it's a lot higher risk.","start":4366.455,"end":4370.46,"sentiment":"negative","sentiment_score":-0.41785255991495573},{"text":"I've something going wrong.","start":4371.48,"end":4373.0,"sentiment":"neutral","sentiment_score":-0.14453934505581856},{"text":"Yeah.","start":4373.0,"end":4373.32,"sentiment":"neutral","sentiment_score":-0.07187547534704208},{"text":"So No.","start":4373.32,"end":4376.6797,"sentiment":"neutral","sentiment_score":-0.14958109334111214},{"text":"I'm sorry.","start":4376.6797,"end":4377.26,"sentiment":"neutral","sentiment_score":-0.22341980040073395}],"sentiment":"neutral","sentiment_score":-0.3103689964522015,"num_words":22,"start":4366.455,"end":4377.26},{"sentences":[{"text":"I mean, mental health probably wise, but you're in a, like, you're in a sanitary environment.","start":4377.7197,"end":4384.005,"sentiment":"neutral","sentiment_score":-0.18282719794660807},{"text":"You've got strict procedures and policies.","start":4384.065,"end":4387.7646,"sentiment":"neutral","sentiment_score":-0.17153353492418924},{"text":"As an ex care beta driver, you like you said, you're on the side of a road digging off the said said road on a side of a cliff.","start":4388.065,"end":4396.56,"sentiment":"neutral","sentiment_score":-0.10881461408631556},{"text":"Right?","start":4397.04,"end":4397.2803,"sentiment":"neutral","sentiment_score":-0.04886641353368759},{"text":"So not only that, he actually goes out into the ocean.","start":4397.2803,"end":4399.84,"sentiment":"neutral","sentiment_score":-0.045787817375226456}],"sentiment":"neutral","sentiment_score":-0.1216284538072253,"num_words":63,"start":4377.7197,"end":4399.84},{"sentences":[{"text":"So those things are all factors.","start":4399.84,"end":4402.02,"sentiment":"neutral","sentiment_score":-0.036386762435237564},{"text":"So the way that they the way we that insurance companies calculate price versus risk, the monetary outcome versus the risk that they gotta take and work out a dollar figure behind that is a job called by job done by an actuary.","start":4402.16,"end":4415.855,"sentiment":"neutral","sentiment_score":-0.06016770499043687},{"text":"So have you ever heard of somebody called an actuary?","start":4416.235,"end":4418.495,"sentiment":"neutral","sentiment_score":-0.06030198372900486},{"text":"Okay.","start":4420.555,"end":4420.955,"sentiment":"neutral","sentiment_score":-0.04409103095531464},{"text":"So an actuary is like a a it's a it's a it's a occupation, I guess, if it's a job, and they are very strange people.","start":4420.955,"end":4429.93,"sentiment":"neutral","sentiment_score":-0.16514785974644697}],"sentiment":"neutral","sentiment_score":-0.09007543152154879,"num_words":86,"start":4399.84,"end":4429.93},{"sentences":[{"text":"They're like they're like little hermits that that are mathematicians that live in a cave somewhere.","start":4429.99,"end":4436.5703,"sentiment":"negative","sentiment_score":-0.3725826758891344},{"text":"They're just the strangest people you've ever met in your life.","start":4436.6304,"end":4440.675,"sentiment":"neutral","sentiment_score":-0.2762989510189403},{"text":"Their whole their their job is to essentially work out for the amounts of claims or things going wrong, what are those things that go wrong, and then calculate that risk into a monetary figure so the insurers can work out what how much it will cost to to to for a premium to get paid versus the likelihood of them paying out.","start":4441.635,"end":4461.98,"sentiment":"neutral","sentiment_score":-0.129744772666267},{"text":"Yep.","start":4464.04,"end":4464.36,"sentiment":"neutral","sentiment_score":-0.02681981399655342},{"text":"So if you're an astronaut, you probably wouldn't get covered because the risk of something going wrong is way too high for them.","start":4464.36,"end":4469.265,"sentiment":"negative","sentiment_score":-0.45677006439022394}],"sentiment":"neutral","sentiment_score":-0.24304441445948263,"num_words":114,"start":4429.99,"end":4469.265},{"sentences":[{"text":"Right?","start":4469.4253,"end":4469.9253,"sentiment":"neutral","sentiment_score":-0.16570985317230225},{"text":"But if you are administration's officers sitting at a desk a 100% of the time during the day, then the likelihood of something going wrong is next to nothing.","start":4470.225,"end":4479.585,"sentiment":"negative","sentiment_score":-0.37970472152890833},{"text":"So, you know, for if you were an admin officer, you'd be paying something like $1,100 for the same amount of cover each.","start":4479.585,"end":4486.9,"sentiment":"neutral","sentiment_score":-0.2697274156886598},{"text":"Yeah.","start":4488.88,"end":4489.1997,"sentiment":"neutral","sentiment_score":-0.223702609539032},{"text":"So it's very, very kind of convoluted and intricate just to give you an idea of how insurance works.","start":4489.1997,"end":4494.88,"sentiment":"neutral","sentiment_score":-0.2664811744501716}],"sentiment":"neutral","sentiment_score":-0.31051674332112483,"num_words":73,"start":4469.4253,"end":4494.88},{"sentences":[{"text":"There's a lot to it.","start":4494.88,"end":4496.1797,"sentiment":"neutral","sentiment_score":-0.21123814284801484},{"text":"But, yeah, for your specific occupations, if I were to get the same amount of cover for Brendan for that 1,500,000 for life and TPD, then you'd be looking at you'd be looking at significantly more premiums for the exact same amount of cover.","start":4497.335,"end":4514.41,"sentiment":"neutral","sentiment_score":-0.20958088253709403},{"text":"Okay.","start":4517.75,"end":4518.07,"sentiment":"neutral","sentiment_score":-0.06951187551021576},{"text":"So so to counteract that, to make sure that his super is still growing by the at the end of the day, I need to make sure that, you know, we we we aren't charging too much.","start":4518.07,"end":4527.655,"sentiment":"neutral","sentiment_score":-0.04294377686204137},{"text":"We aren't charging the arm and the leg.","start":4527.655,"end":4529.355,"sentiment":"neutral","sentiment_score":-0.15852451883256435}],"sentiment":"neutral","sentiment_score":-0.13899344543093128,"num_words":95,"start":4494.88,"end":4529.355},{"sentences":[{"text":"So quite literally.","start":4529.655,"end":4530.875,"sentiment":"neutral","sentiment_score":-0.1273557444413503},{"text":"That's funny.","start":4531.175,"end":4531.9146,"sentiment":"neutral","sentiment_score":-0.03378984425216913},{"text":"Not only that, we did a pre assessment, and there may be some exclusions involved because of family history, which is multiple sclerosis.","start":4532.855,"end":4543.9897,"sentiment":"neutral","sentiment_score":-0.1738958912699119},{"text":"Okay?","start":4546.21,"end":4546.53,"sentiment":"neutral","sentiment_score":-0.011257342994213104},{"text":"So this is where yeah.","start":4546.53,"end":4547.73,"sentiment":"neutral","sentiment_score":-0.019487304985523222}],"sentiment":"neutral","sentiment_score":-0.134057243792888,"num_words":34,"start":4529.655,"end":4547.73},{"sentences":[{"text":"There's there's lots that come into it.","start":4547.73,"end":4549.25,"sentiment":"neutral","sentiment_score":-0.29978992896420614},{"text":"So if you were to get MS because of his family history, the insurer wouldn't pay out.","start":4549.25,"end":4553.675,"sentiment":"negative","sentiment_score":-0.5012377132387722},{"text":"No.","start":4559.895,"end":4560.295,"sentiment":"neutral","sentiment_score":-0.2760559916496277},{"text":"At the moment, he doesn't have any exclusions on his current cover with CBIZ.","start":4560.295,"end":4568.39,"sentiment":"neutral","sentiment_score":-0.1668355470257146},{"text":"But the again, it's you just got given all these insurances.","start":4568.39,"end":4572.89,"sentiment":"neutral","sentiment_score":-0.054953251372684135}],"sentiment":"neutral","sentiment_score":-0.2767162008583546,"num_words":50,"start":4547.73,"end":4572.89},{"sentences":[{"text":"They haven't gone through what's called comprehensive underwriting.","start":4573.0303,"end":4575.77,"sentiment":"neutral","sentiment_score":-0.07581392861902714},{"text":"So underwriting means that we go through a big long questionnaire, ask you all about your family life, pretty much that pre assessment with a little bit more detail, and then we submit it to the insurance company.","start":4576.0703,"end":4586.035,"sentiment":"neutral","sentiment_score":0.10670040939983569},{"text":"Say, hey.","start":4586.035,"end":4586.355,"sentiment":"neutral","sentiment_score":0.22928565740585327},{"text":"We want this person, our client, to be insured.","start":4586.355,"end":4588.855,"sentiment":"neutral","sentiment_score":0.33258528510729474},{"text":"This is how much we want, and this is the cover that they have agreed to and they're happy with.","start":4589.395,"end":4593.42,"sentiment":"positive","sentiment_score":0.39093308299779894}],"sentiment":"neutral","sentiment_score":0.1911507099866867,"num_words":77,"start":4573.0303,"end":4593.42},{"sentences":[{"text":"Now these are the questionnaires, and this is their family life, their their personal what we call a personal statement.","start":4594.46,"end":4599.9,"sentiment":"neutral","sentiment_score":0.12814403288066387},{"text":"So you provide a statement saying exactly what's happened to you along the way, whether you've broken any bones, your family history, whether you've had cancer, benign, malignant, and they'll ask all the questions.","start":4599.9,"end":4609.9946,"sentiment":"neutral","sentiment_score":0.06283645046984448},{"text":"And then you submit it, and then they come back and they assess the risk.","start":4609.9946,"end":4612.635,"sentiment":"neutral","sentiment_score":0.052677696694930394},{"text":"They call underwriters, and they say, right.","start":4612.635,"end":4614.395,"sentiment":"neutral","sentiment_score":-0.04988465458154678},{"text":"Well, we're we're happy to give them this appropriate cover, but we won't cover MS because it's family history.","start":4614.395,"end":4620.06,"sentiment":"neutral","sentiment_score":-0.05276445456241306}],"sentiment":"neutral","sentiment_score":0.04355545479216074,"num_words":95,"start":4594.46,"end":4620.06},{"sentences":[{"text":"And if you're happy, then I'll come back to you and I'll say, look.","start":4620.12,"end":4622.52,"sentiment":"neutral","sentiment_score":0.20594555086323194},{"text":"This is what they've offered.","start":4622.52,"end":4623.64,"sentiment":"positive","sentiment_score":0.34381407499313354},{"text":"Are you happy with it?","start":4623.64,"end":4624.7603,"sentiment":"positive","sentiment_score":0.38638441562652587},{"text":"If you say yes, then we call the insurer back and say, yep.","start":4624.7603,"end":4627.64,"sentiment":"neutral","sentiment_score":0.21118106291844294},{"text":"They're happy with this.","start":4627.64,"end":4628.68,"sentiment":"positive","sentiment_score":0.5334207937121391}],"sentiment":"neutral","sentiment_score":0.2783723697066307,"num_words":41,"start":4620.12,"end":4628.68},{"sentences":[{"text":"They've signed off on it.","start":4628.68,"end":4630.04,"sentiment":"positive","sentiment_score":0.34162062406539917},{"text":"Let's proceed.","start":4630.04,"end":4631.1,"sentiment":"neutral","sentiment_score":0.21715059876441956},{"text":"And then what they'll do is they'll essentially place that cover in force.","start":4631.235,"end":4634.775,"sentiment":"neutral","sentiment_score":0.1609721900178836},{"text":"And then if anything were to happen, the benefit of that is if anything were to happen down the track, the questions have already been asked.","start":4635.955,"end":4644.96,"sentiment":"neutral","sentiment_score":0.16884619398758963},{"text":"So they have to pay you depending on the outcome.","start":4645.2,"end":4647.78,"sentiment":"neutral","sentiment_score":0.058110686391592024}],"sentiment":"neutral","sentiment_score":0.16439554813717092,"num_words":56,"start":4628.68,"end":4647.78},{"sentences":[{"text":"So pretty much everything's covered outside of MS depending on what the insurer says.","start":4648.2397,"end":4652.7397,"sentiment":"neutral","sentiment_score":-0.006920804934842246},{"text":"However, if with the current insurance with Cbus for Brendan, if something were to happen, he would get MS, then he wants to claim on his 100 and something thousand worth of total permanent disability.","start":4652.88,"end":4664.095,"sentiment":"neutral","sentiment_score":-0.20684218534401486},{"text":"They would ask the questions then.","start":4664.795,"end":4666.7354,"sentiment":"neutral","sentiment_score":-0.16177192827065787},{"text":"They would go, alright.","start":4666.955,"end":4667.915,"sentiment":"neutral","sentiment_score":-0.09842650406062603},{"text":"Well, can you, you know, do you do you have a family history of multiple sclerosis?","start":4667.915,"end":4674.16,"sentiment":"neutral","sentiment_score":-0.0414900291361846}],"sentiment":"neutral","sentiment_score":-0.12486061077564954,"num_words":75,"start":4648.2397,"end":4674.16},{"sentences":[{"text":"Oh, you do.","start":4674.3003,"end":4675.2803,"sentiment":"neutral","sentiment_score":0.02139995868007342},{"text":"Well, based on that, it's a non it's a nondisclosure.","start":4675.58,"end":4679.04,"sentiment":"neutral","sentiment_score":0.0220922427251935},{"text":"Yeah.","start":4679.42,"end":4679.74,"sentiment":"neutral","sentiment_score":0.06779421865940094},{"text":"Correct.","start":4679.74,"end":4680.22,"sentiment":"neutral","sentiment_score":0.10082872211933136},{"text":"Exactly.","start":4680.22,"end":4680.72,"sentiment":"neutral","sentiment_score":0.11130324006080627}],"sentiment":"neutral","sentiment_score":0.035315530258230865,"num_words":16,"start":4674.3003,"end":4680.72},{"sentences":[{"text":"So it's very does that kinda does that kinda make sense?","start":4682.06,"end":4686.525,"sentiment":"neutral","sentiment_score":0.042533385144038635},{"text":"What I wanna do is I do wanna update that that document table where it said that the where it was the recommended.","start":4686.605,"end":4694.145,"sentiment":"neutral","sentiment_score":-0.03807423409560452},{"text":"The like, it's your do you know where it said negative $4.10 for admin fees?","start":4695.405,"end":4700.3047,"sentiment":"neutral","sentiment_score":-0.11240208347638449},{"text":"Yeah.","start":4703.45,"end":4703.85,"sentiment":"neutral","sentiment_score":0.008016962558031082},{"text":"For yours.","start":4703.85,"end":4704.59,"sentiment":"neutral","sentiment_score":-0.03617417812347412}],"sentiment":"neutral","sentiment_score":-0.04150389987402237,"num_words":52,"start":4682.06,"end":4704.59},{"sentences":[{"text":"So what I can do is I'll just copy this table here, and I will send it to you because I don't like that it copied over.","start":4704.65,"end":4714.5454,"sentiment":"neutral","sentiment_score":-0.035914437362441314},{"text":"But when I send it through to you, you'll see that it's just the difference in the actual fees.","start":4714.5454,"end":4718.5654,"sentiment":"neutral","sentiment_score":-0.013830420218015971},{"text":"So I'll just send it through to as to follow-up on that statement of advice email sent through.","start":4719.1055,"end":4725.125,"sentiment":"neutral","sentiment_score":0.11124622656239404},{"text":"I'll say reply to all just so you can see what I'm talking about.","start":4725.23,"end":4729.01,"sentiment":"neutral","sentiment_score":0.17500802129507065},{"text":"So I'm so does that does that kinda give you an idea of how the insurances work, why I recommended what I recommended, the the the outcomes and the numbers that we're working with?","start":4729.87,"end":4742.835,"sentiment":"neutral","sentiment_score":0.11792977110427968}],"sentiment":"neutral","sentiment_score":0.06455079286492296,"num_words":112,"start":4704.65,"end":4742.835},{"sentences":[{"text":"Or Yeah.","start":4742.835,"end":4750.435,"sentiment":"neutral","sentiment_score":-0.13104062899947166},{"text":"To bring the cost down because it's very it's very expensive in his line of work.","start":4750.435,"end":4757.44,"sentiment":"negative","sentiment_score":-0.3762823985889554},{"text":"Yeah.","start":4757.74,"end":4758.14,"sentiment":"neutral","sentiment_score":0.020293358713388443},{"text":"So is that that's why you wanna and because you're the so this is how the the benefits kind of work together.","start":4758.14,"end":4764.4,"sentiment":"neutral","sentiment_score":0.06821465775878592},{"text":"So if Brandon were to not be able to work because of injury illness, you can more than likely do a TPD claim because it would be fairly severe.","start":4764.7,"end":4773.805,"sentiment":"negative","sentiment_score":-0.46356556076427985}],"sentiment":"neutral","sentiment_score":-0.26007121525970955,"num_words":70,"start":4742.835,"end":4773.805},{"sentences":[{"text":"But if you were to claim on an income protection claim, at least you get two years worth of benefit, And that way, it's not gonna completely blow the bank because the premiums aren't that high.","start":4774.265,"end":4784.12,"sentiment":"neutral","sentiment_score":0.07860855323572953},{"text":"And not only that, his income is lower than yours.","start":4784.34,"end":4787.88,"sentiment":"neutral","sentiment_score":-0.16581038311123847},{"text":"So if you were to if you were to not be able to work because of injury illness and you need to go on a claim for, let's say, ten years before you can do something else or, you know, get back to work, whatever it might be, in that kind of example, this mental health is a big one.","start":4788.1,"end":4802.885,"sentiment":"neutral","sentiment_score":-0.23675512659053008},{"text":"You know, stress leaves, stuff like that where you get anxiety or depression, something along those lines.","start":4802.885,"end":4808.06,"sentiment":"negative","sentiment_score":-0.34238413151572733},{"text":"It sounds like five to seven years sometimes.","start":4808.06,"end":4810.24,"sentiment":"neutral","sentiment_score":-0.24122285842895508}],"sentiment":"neutral","sentiment_score":-0.15865508865081626,"num_words":131,"start":4774.265,"end":4810.24},{"sentences":[{"text":"So if that were the case and you weren't be able you weren't able to create an income, then you're the one that needs to be covered the most for the most amount of time because you've got the higher wage.","start":4810.7,"end":4821.395,"sentiment":"neutral","sentiment_score":-0.1479711489888226},{"text":"Does that does that make sense?","start":4823.215,"end":4828.4946,"sentiment":"neutral","sentiment_score":-0.0514776740844051},{"text":"Only in trauma because that covers the main payment out of trauma is cancer.","start":4828.4946,"end":4835.1504,"sentiment":"neutral","sentiment_score":-0.07445720556591238},{"text":"Cancer, heart disease.","start":4836.5703,"end":4837.87,"sentiment":"neutral","sentiment_score":-0.07421950002511342},{"text":"Yep.","start":4838.0903,"end":4838.5903,"sentiment":"neutral","sentiment_score":-0.012728470377624037}],"sentiment":"neutral","sentiment_score":-0.11774570771421378,"num_words":65,"start":4810.7,"end":4838.5903},{"sentences":[{"text":"Sorry.","start":4838.97,"end":4839.47,"sentiment":"neutral","sentiment_score":-0.06168468669056893},{"text":"Go on.","start":4839.6104,"end":4840.27,"sentiment":"neutral","sentiment_score":-0.04549778252840042},{"text":"Great.","start":4846.895,"end":4847.395,"sentiment":"neutral","sentiment_score":0.1466614007949829},{"text":"Great question.","start":4848.015,"end":4848.915,"sentiment":"neutral","sentiment_score":0.26842501014471054},{"text":"Nailing these questions at the moment.","start":4848.975,"end":4850.6553,"sentiment":"neutral","sentiment_score":0.018372615178426106}],"sentiment":"neutral","sentiment_score":0.053422238367299237,"num_words":12,"start":4838.97,"end":4850.6553},{"sentences":[{"text":"I must've no.","start":4850.6553,"end":4852.415,"sentiment":"neutral","sentiment_score":-0.14880054692427316},{"text":"No.","start":4852.415,"end":4852.575,"sentiment":"neutral","sentiment_score":-0.17374370992183685},{"text":"No.","start":4852.575,"end":4852.975,"sentiment":"neutral","sentiment_score":-0.1869339644908905},{"text":"These these are this is exactly why we have this conversation.","start":4852.975,"end":4855.475,"sentiment":"neutral","sentiment_score":-0.17055330628698523},{"text":"So the answer is only melanomas.","start":4855.6953,"end":4858.6753,"sentiment":"neutral","sentiment_score":-0.14560327678918839}],"sentiment":"neutral","sentiment_score":-0.16167206113988702,"num_words":22,"start":4850.6553,"end":4858.6753},{"sentences":[{"text":"If he were to get, say, bowel cancer or something like that, then it's still covered.","start":4858.975,"end":4863.9097,"sentiment":"neutral","sentiment_score":-0.15080776950344443},{"text":"So it's only got to do with preexisting conditions.","start":4863.9097,"end":4866.73,"sentiment":"neutral","sentiment_score":-0.16451192564434475},{"text":"So a good example is a back.","start":4867.4297,"end":4869.75,"sentiment":"neutral","sentiment_score":-0.06462904651250158},{"text":"Right?","start":4869.75,"end":4870.15,"sentiment":"neutral","sentiment_score":-0.04263072460889816},{"text":"So your back if you get in if you're in a car crash and something happened, whatever it might be, you fell over or the scooter or escape or something, and you have a bulging disc on your l you don't understand this l four, l five disc.","start":4870.15,"end":4885.0146,"sentiment":"neutral","sentiment_score":-0.18707606460278234}],"sentiment":"neutral","sentiment_score":-0.16503971350597746,"num_words":81,"start":4858.975,"end":4885.0146},{"sentences":[{"text":"Right?","start":4885.0146,"end":4885.335,"sentiment":"neutral","sentiment_score":-0.08384110033512115},{"text":"Your lumbar sacral spine.","start":4885.335,"end":4886.795,"sentiment":"neutral","sentiment_score":-0.11793229170143604},{"text":"Then if we would do underwriting and get comprehensive insurance for, let's say, myself, then they would exclude the lower spine, so the lumbar spine.","start":4887.255,"end":4895.8696,"sentiment":"neutral","sentiment_score":-0.10994105383753777},{"text":"However, it's got to do with the preexisting condition.","start":4896.17,"end":4900.01,"sentiment":"neutral","sentiment_score":-0.11613486251897281},{"text":"So let's just say, you know, at the time where it ends up sever severing or whatever it's called.","start":4900.01,"end":4907.8647,"sentiment":"neutral","sentiment_score":-0.12012368460234843}],"sentiment":"neutral","sentiment_score":-0.1143389721240463,"num_words":58,"start":4885.0146,"end":4907.8647},{"sentences":[{"text":"I'm not the doctor, the financial planner.","start":4907.8647,"end":4910.125,"sentiment":"neutral","sentiment_score":-0.21080303192138672},{"text":"But something happens and I become paralyzed from the lumbar sacral spine now.","start":4910.185,"end":4914.765,"sentiment":"negative","sentiment_score":-0.3607064875272604},{"text":"Right?","start":4914.8247,"end":4915.3247,"sentiment":"neutral","sentiment_score":-0.1809413731098175},{"text":"Then I'm not covered because there will be a lumbar sacral spine exclusion.","start":4915.8647,"end":4919.645,"sentiment":"neutral","sentiment_score":-0.323716055888396},{"text":"However, if I were to get into another car crash, for example, and I get t boned by a drunk driver and my l four, l five discs completely shatter and they sever whatever the right terminology is and I'm paralyzed from the waist down, I will get paid because it's got nothing to do with my preexisting condition.","start":4920.06,"end":4938.855,"sentiment":"negative","sentiment_score":-0.4394622220326278}],"sentiment":"negative","sentiment_score":-0.3922830834504097,"num_words":93,"start":4907.8647,"end":4938.855},{"sentences":[{"text":"Does that make sense?","start":4941.235,"end":4942.615,"sentiment":"neutral","sentiment_score":-0.2982006072998047},{"text":"Possibly, we would know more once you go through the full underwriting process.","start":4951.82,"end":4956.64,"sentiment":"neutral","sentiment_score":-0.13639945078354615},{"text":"So when we go through that insurance application, we would submit it towards the insurer, and I'd probably more than likely be able to let you know.","start":4956.7,"end":4964.455,"sentiment":"neutral","sentiment_score":0.06636107809565685},{"text":"I've been doing this for, you know, pretty much my whole life.","start":4964.455,"end":4966.6953,"sentiment":"neutral","sentiment_score":0.15475734633704027},{"text":"So inclusive of the investments, my whole financial scope.","start":4966.6953,"end":4970.295,"sentiment":"neutral","sentiment_score":0.22695336076948378}],"sentiment":"neutral","sentiment_score":0.04192957264872698,"num_words":65,"start":4941.235,"end":4970.295},{"sentences":[{"text":"But, yeah, we're pretty good at picking things up before we submit it and letting you know what to expect when we get it back.","start":4970.295,"end":4980.5,"sentiment":"positive","sentiment_score":0.39844077825546265},{"text":"But, yeah, that from the pre assessment, from what we've already disclosed to the insurer, from that questionnaire that you went through with, I believe, matters was after we had the chat.","start":4981.52,"end":4991.8853,"sentiment":"neutral","sentiment_score":0.12774770171381533},{"text":"That's that's essentially you finding out what is likely to come back with because we're and that's when we take it to the market.","start":4991.9453,"end":4999.865,"sentiment":"neutral","sentiment_score":0.06681763147935271},{"text":"So we get your pre pre assessment of your health conditions as well as what cover you need and your situation, age, and stage, everything.","start":4999.865,"end":5008.59,"sentiment":"neutral","sentiment_score":0.12002507656812668},{"text":"And then we go and we we compare that outcome with a whole bunch of different providers.","start":5008.89,"end":5014.19,"sentiment":"neutral","sentiment_score":0.14825849278884776}],"sentiment":"neutral","sentiment_score":0.1721430110434691,"num_words":123,"start":4970.295,"end":5014.19},{"sentences":[{"text":"And that's actually outlined on the statement of advice as well.","start":5014.33,"end":5017.0503,"sentiment":"neutral","sentiment_score":0.12308360500769182},{"text":"So if we're looking at Brendan's outcome, if you go down again to after those cover amounts, if you go down to page 34, it tells you about the exclusions.","start":5017.0503,"end":5029.915,"sentiment":"neutral","sentiment_score":-0.03587236807992061},{"text":"Page 35 is the best interest duty.","start":5030.87,"end":5033.13,"sentiment":"neutral","sentiment_score":-0.033669549971818924},{"text":"Page 36 is the needs analysis, so he needs a little bit less cover than you because he's got a little bit less income than you over ten years as well as superannuation.","start":5034.31,"end":5042.57,"sentiment":"neutral","sentiment_score":-0.19432008864753175},{"text":"So he might have thought a lot less super.","start":5043.11,"end":5045.0503,"sentiment":"neutral","sentiment_score":-0.2416373607185152}],"sentiment":"neutral","sentiment_score":-0.09494708232167694,"num_words":90,"start":5014.33,"end":5045.0503},{"sentences":[{"text":"But if you go down all the way through page 38, which is the outcomes, the advantages, and just compared to disadvantages of introducing this new cover, and you go down past risks and go down to page 42, you can see alternatives considered on page 42.","start":5045.225,"end":5065.85,"sentiment":"neutral","sentiment_score":0.011108951762001565},{"text":"Let me know when you're there of the statement advice.","start":5065.85,"end":5068.17,"sentiment":"neutral","sentiment_score":0.013781305402517319},{"text":"So look at the last paragraph.","start":5068.17,"end":5069.63,"sentiment":"neutral","sentiment_score":0.02501560654491186},{"text":"So out of all the insurers that are on the market, because we run RNA for so we have to go we can we compare all of them.","start":5070.0103,"end":5077.335,"sentiment":"neutral","sentiment_score":0.048610548355749676},{"text":"Out of all the insurers, the top kind of the top insurers that gave us relevant, like, adequate insurance levels and insurance definitions for Brendan, as well as appropriate price.","start":5077.395,"end":5091.12,"sentiment":"neutral","sentiment_score":0.08410664151112239}],"sentiment":"neutral","sentiment_score":0.03879604979672215,"num_words":121,"start":5045.225,"end":5091.12},{"sentences":[{"text":"They all have different pricings because of their definitions and the the the essentially, when when you're looking at insurance policies, you gotta look at these things for definitions.","start":5091.74,"end":5101.875,"sentiment":"neutral","sentiment_score":-0.02099332841241668},{"text":"So some insurers have more comprehensive definitions, which means the likelihood of you getting paid is higher, so, therefore, the premium's higher because it's higher risk to insure.","start":5101.875,"end":5111.4946,"sentiment":"neutral","sentiment_score":-0.10128764142947537},{"text":"So the competitive insurers were Tal, t a l, Australian Life it stands for, Ascender, and Zurich.","start":5111.715,"end":5119.48,"sentiment":"neutral","sentiment_score":0.048425188397659975},{"text":"Okay?","start":5120.98,"end":5121.48,"sentiment":"neutral","sentiment_score":0.17072877287864685},{"text":"So those are the top and along with the recommend recommended cover that we're recommending with the with his current insurance policy with one path is the one we're recommending for him.","start":5121.6196,"end":5132.5747,"sentiment":"neutral","sentiment_score":0.2248781353700906}],"sentiment":"neutral","sentiment_score":0.04434763386445207,"num_words":107,"start":5091.74,"end":5132.5747},{"sentences":[{"text":"The one those four insurers came up to be kind of the most the highest rated, the most affordable for his age and stage and occupation.","start":5133.835,"end":5144.255,"sentiment":"positive","sentiment_score":0.5867282209488062},{"text":"So out of all four of them, the cheapest with the best outcome is essentially one path, and that's why we're recommending to go ahead with one path.","start":5144.9297,"end":5153.83,"sentiment":"positive","sentiment_score":0.5999494535582406},{"text":"On the second attachment in that document in the appendix, it actually gives you a little bit of a rating in comparison to what a c bus insurance looks like as well.","start":5153.9697,"end":5163.405,"sentiment":"neutral","sentiment_score":0.22464514896273613},{"text":"And that's oh, the appendices doesn't have a page.","start":5164.585,"end":5169.385,"sentiment":"neutral","sentiment_score":-0.045448434746099844},{"text":"It's just kinda like the extras.","start":5169.385,"end":5170.925,"sentiment":"neutral","sentiment_score":-0.028918862342834473}],"sentiment":"positive","sentiment_score":0.3827684566765876,"num_words":101,"start":5133.835,"end":5170.925},{"sentences":[{"text":"But if you go to where we were before for the like for like investment returns for yourself.","start":5171.09,"end":5176.07,"sentiment":"neutral","sentiment_score":0.021099607770641644},{"text":"Yeah.","start":5176.69,"end":5177.19,"sentiment":"neutral","sentiment_score":0.01743922010064125},{"text":"Correct.","start":5177.57,"end":5178.05,"sentiment":"neutral","sentiment_score":0.03155069798231125},{"text":"In the appendix.","start":5178.05,"end":5178.9497,"sentiment":"neutral","sentiment_score":0.012153655290603638},{"text":"Yeah.","start":5180.13,"end":5180.4497,"sentiment":"neutral","sentiment_score":-0.025501567870378498}],"sentiment":"neutral","sentiment_score":0.01832259399816394,"num_words":24,"start":5171.09,"end":5180.4497},{"sentences":[{"text":"No.","start":5180.4497,"end":5180.61,"sentiment":"neutral","sentiment_score":-0.12305383384227753},{"text":"We're jumping around all over the place.","start":5180.61,"end":5182.3696,"sentiment":"neutral","sentiment_score":-0.16454319017274038},{"text":"Bear with me.","start":5182.3696,"end":5182.9297,"sentiment":"neutral","sentiment_score":-0.18428819874922434},{"text":"I apologize.","start":5182.9297,"end":5183.59,"sentiment":"neutral","sentiment_score":-0.27282705903053284},{"text":"Yeah.","start":5189.145,"end":5189.5454,"sentiment":"neutral","sentiment_score":-0.13360339403152466}],"sentiment":"neutral","sentiment_score":-0.1790698766708374,"num_words":14,"start":5180.4497,"end":5189.5454},{"sentences":[{"text":"No.","start":5189.5454,"end":5189.785,"sentiment":"neutral","sentiment_score":-0.17545008659362793},{"text":"That's alright.","start":5189.785,"end":5190.605,"sentiment":"neutral","sentiment_score":-0.13639459013938904},{"text":"I know.","start":5190.745,"end":5190.9854,"sentiment":"neutral","sentiment_score":-0.10441605374217033},{"text":"But if you wanna go onto that, the appendix pretty much just outlines how investment methodology is there.","start":5190.9854,"end":5197.225,"sentiment":"neutral","sentiment_score":0.0638212100085285},{"text":"But after the investment methodology, you'll actually see a comparison for insurance comparing differences.","start":5197.225,"end":5203.75,"sentiment":"neutral","sentiment_score":0.13273197199617112}],"sentiment":"neutral","sentiment_score":0.06351237874981519,"num_words":37,"start":5189.5454,"end":5203.75},{"sentences":[{"text":"So a like for like for Brendan, and we compared OnePath versus Feebas.","start":5204.29,"end":5209.35,"sentiment":"neutral","sentiment_score":0.1621518307007276},{"text":"We've got all the other research.","start":5209.65,"end":5211.17,"sentiment":"neutral","sentiment_score":0.2876218557357788},{"text":"If you want me to send that through, I'm more than happy to send it through as well.","start":5211.17,"end":5213.89,"sentiment":"positive","sentiment_score":0.4773448920912213},{"text":"But, essentially, we're just looking at, you know, what's the at a glance, what does one path portfolio and will insurance cover when compared to the existing SeaBus super insurance?","start":5213.89,"end":5226.175,"sentiment":"neutral","sentiment_score":0.09756883978843689},{"text":"Yeah.","start":5227.45,"end":5227.95,"sentiment":"neutral","sentiment_score":0.15268641710281372}],"sentiment":"neutral","sentiment_score":0.22802447944002993,"num_words":68,"start":5204.29,"end":5227.95},{"sentences":[{"text":"Correct.","start":5228.25,"end":5228.75,"sentiment":"neutral","sentiment_score":0.27663183212280273},{"text":"So so the the coverage, you've got essentially a 1917% better chance of claiming on life and CPD with one part than you do with CBUS.","start":5228.81,"end":5240.915,"sentiment":"neutral","sentiment_score":0.31465519162324757},{"text":"That's because we ask the questions before the events, essentially.","start":5240.975,"end":5244.275,"sentiment":"neutral","sentiment_score":0.18580251187086105},{"text":"And if you look at, you know, what what these ratings look like, each rating house has a different rating.","start":5245.215,"end":5250.895,"sentiment":"neutral","sentiment_score":0.11591617092490196},{"text":"We use Chartwest for the insurances.","start":5250.895,"end":5253.5547,"sentiment":"neutral","sentiment_score":0.08355468201140563}],"sentiment":"neutral","sentiment_score":0.20849751497781466,"num_words":63,"start":5228.25,"end":5253.5547},{"sentences":[{"text":"It essentially shows you an overall score between the life, the TPD, and the features involved.","start":5254.6396,"end":5260.02,"sentiment":"neutral","sentiment_score":0.08813144825398922},{"text":"And, yeah, if you if you go down the list, you can see that essentially, one path is a comprehensive insurance policy for life, CPD, income protection, and trauma.","start":5263.04,"end":5272.035,"sentiment":"neutral","sentiment_score":0.16643658203297648},{"text":"That's got a score of 92, a rating not compared to the rest of the market of 92.","start":5272.095,"end":5276.335,"sentiment":"neutral","sentiment_score":0.18599099500311744},{"text":"It's pretty much the highest you can get.","start":5276.335,"end":5278.035,"sentiment":"positive","sentiment_score":0.37055402621626854},{"text":"I think Zurich has 94 for his occupation, but it's extremely expensive.","start":5278.335,"end":5283.4297,"sentiment":"neutral","sentiment_score":-0.005029881217827399}],"sentiment":"neutral","sentiment_score":0.1504659710384636,"num_words":83,"start":5254.6396,"end":5283.4297},{"sentences":[{"text":"So I'd rather save the $2,000 a year premium in case something doesn't go wrong and get one part but still really highly rated product.","start":5283.65,"end":5291.9097,"sentiment":"neutral","sentiment_score":0.15835648894309998},{"text":"But if you're looking at the life and the TPD, you're looking at a 42 overall rating between the life and TPD.","start":5292.4497,"end":5300.875,"sentiment":"neutral","sentiment_score":0.0611436419527639},{"text":"And if you were to just look at that life and TPD like for liking, you know, rating, it's a comparison of 29 versus six.","start":5301.335,"end":5308.95,"sentiment":"neutral","sentiment_score":0.04269875720143318},{"text":"It says I can go more to what the ratings look like.","start":5312.0703,"end":5315.27,"sentiment":"neutral","sentiment_score":0.081192538763086},{"text":"It says ranked on definition, but just to give you both a snapshot, that's what it looks like.","start":5315.27,"end":5320.5503,"sentiment":"neutral","sentiment_score":0.094195653580957}],"sentiment":"neutral","sentiment_score":0.08864091672733718,"num_words":102,"start":5283.65,"end":5320.5503},{"sentences":[{"text":"And if you were to look at yours, QSuper's actually got a lot better insurances to CBUS and other industry funds because of the QSuper being in the health and police.","start":5320.5503,"end":5330.235,"sentiment":"neutral","sentiment_score":0.14435157035627671},{"text":"You know what I mean?","start":5330.295,"end":5331.0947,"sentiment":"neutral","sentiment_score":0.015989304333925248},{"text":"So QSuper's got a much higher rated product, which is 54.","start":5331.0947,"end":5336.67,"sentiment":"neutral","sentiment_score":0.22006781128319827},{"text":"But like like we said before, you know, ClearView, if you're looking at that comprehensive cover, there there is an extra 12 points in that, and that's because of the trauma.","start":5337.15,"end":5349.89,"sentiment":"neutral","sentiment_score":-0.06266690826704426},{"text":"We recommend trauma.","start":5350.11,"end":5351.33,"sentiment":"neutral","sentiment_score":0.03786433736483256}],"sentiment":"neutral","sentiment_score":0.06353716027957422,"num_words":81,"start":5320.5503,"end":5351.33},{"sentences":[{"text":"But if you're looking at like for like, you can see it far out performs in terms of the life of GPD and income protection.","start":5351.6553,"end":5358.315,"sentiment":"neutral","sentiment_score":0.11739610165357589},{"text":"Does that does that give you more of an idea of what the ration of the the insurance product is?","start":5361.255,"end":5366.695,"sentiment":"neutral","sentiment_score":0.034713370725512505},{"text":"Or perfect.","start":5366.695,"end":5370.56,"sentiment":"neutral","sentiment_score":0.30306898802518845},{"text":"Perfect.","start":5371.74,"end":5372.22,"sentiment":"positive","sentiment_score":0.5265977382659912},{"text":"Well, that is that's pretty much what our recommendations are.","start":5372.22,"end":5376.3203,"sentiment":"neutral","sentiment_score":0.20243115574121476}],"sentiment":"neutral","sentiment_score":0.11700374530307178,"num_words":58,"start":5351.6553,"end":5376.3203},{"sentences":[{"text":"I'm going to send you through an email with the updated table here.","start":5376.3804,"end":5380.8604,"sentiment":"neutral","sentiment_score":0.0493278824366056},{"text":"I apologize.","start":5380.8604,"end":5381.3,"sentiment":"neutral","sentiment_score":-0.11690104752779007},{"text":"I don't know why it's spattered out like that.","start":5381.3,"end":5383.225,"sentiment":"neutral","sentiment_score":-0.16894234054618412},{"text":"It's just I've been having issues just today.","start":5383.225,"end":5386.525,"sentiment":"neutral","sentiment_score":-0.21183978021144867},{"text":"It's just it just so happens to be that today's the day where it decided to not work even with the upload.","start":5386.585,"end":5391.985,"sentiment":"neutral","sentiment_score":-0.25961208614436065}],"sentiment":"neutral","sentiment_score":-0.15776305231783125,"num_words":54,"start":5376.3804,"end":5391.985},{"sentences":[{"text":"I don't know why.","start":5391.985,"end":5393.145,"sentiment":"neutral","sentiment_score":-0.21294160932302475},{"text":"But as discussed, please see.","start":5393.145,"end":5395.59,"sentiment":"neutral","sentiment_score":-0.057665600627660754},{"text":"And what I'll do is I'll make sure that we take down the the odoo sign that I sent out.","start":5395.59,"end":5400.79,"sentiment":"neutral","sentiment_score":-0.0167125399071665},{"text":"I don't want you if you wanna proceed with just the insurance or whatever it is, I'll get some time give you some time to obviously consider it and talk between yourselves, think about it, And we can book in time, you know, in a couple days just to have a catch up.","start":5400.79,"end":5414.4146,"sentiment":"neutral","sentiment_score":-0.016261924269064417},{"text":"Or if you want the weekend, just let me know.","start":5414.4146,"end":5416.9946,"sentiment":"neutral","sentiment_score":0.06675240993499756}],"sentiment":"neutral","sentiment_score":-0.018138077450914905,"num_words":92,"start":5391.985,"end":5416.9946},{"sentences":[{"text":"But I I wanted to make sure that, obviously, if you are signing something and proceeding with whatever it is you wanna proceed with, then you're signing off on an accurate document.","start":5417.135,"end":5426.3203,"sentiment":"neutral","sentiment_score":0.011766895611799555},{"text":"Then but just while I've got you before we book that time in, I'll send this out.","start":5426.54,"end":5430.7803,"sentiment":"neutral","sentiment_score":0.008885283105294494},{"text":"Please see below so you can see what I mean by the difference in those numbers.","start":5430.7803,"end":5437.105,"sentiment":"neutral","sentiment_score":-0.009144770563580096},{"text":"So there we go.","start":5440.125,"end":5441.165,"sentiment":"neutral","sentiment_score":0.15612353384494781},{"text":"So I've just sent Nelson, I've just sent you out that extra bit.","start":5441.165,"end":5445.585,"sentiment":"neutral","sentiment_score":0.046454486365501695}],"sentiment":"neutral","sentiment_score":0.019630202457092974,"num_words":82,"start":5417.135,"end":5445.585},{"sentences":[{"text":"So somewhere out there in the etherwebs somewhere, So let me know.","start":5445.8047,"end":5450.12,"sentiment":"neutral","sentiment_score":-0.004798346121485035},{"text":"Maybe check junk again.","start":5450.12,"end":5451.3203,"sentiment":"neutral","sentiment_score":-0.05092763900756836},{"text":"If you right clicked on the previous email and moved it to inbox, it shouldn't.","start":5451.3203,"end":5454.92,"sentiment":"neutral","sentiment_score":-0.024450001617272694},{"text":"It should just go straight to that inbox.","start":5454.92,"end":5456.7803,"sentiment":"neutral","sentiment_score":0.019071354996412992},{"text":"But a message has been sent, so the email has been sent.","start":5457.3203,"end":5460.12,"sentiment":"neutral","sentiment_score":0.015300614448885122}],"sentiment":"neutral","sentiment_score":-0.0057227945174364485,"num_words":51,"start":5445.8047,"end":5460.12},{"sentences":[{"text":"You got it?","start":5460.12,"end":5460.84,"sentiment":"neutral","sentiment_score":0.07334650432070096},{"text":"Beautiful.","start":5460.84,"end":5461.34,"sentiment":"positive","sentiment_score":0.5822441577911377},{"text":"So if you you open that up and you see the same kind of table.","start":5461.685,"end":5465.385,"sentiment":"neutral","sentiment_score":0.07968854630986849},{"text":"So that same table, if you're looking at it, this is a comparison of 3711.","start":5468.805,"end":5476.58,"sentiment":"neutral","sentiment_score":0.034133500916262466},{"text":"You'll see at the very the difference table over there.","start":5476.58,"end":5480.04,"sentiment":"neutral","sentiment_score":0.012231378443539142}],"sentiment":"neutral","sentiment_score":0.059816549172286286,"num_words":44,"start":5460.12,"end":5480.04},{"sentences":[{"text":"So negative 410 and then 41 one, you see.","start":5481.7803,"end":5485.56,"sentiment":"neutral","sentiment_score":-0.03138822472343842},{"text":"Yeah.","start":5485.8604,"end":5486.18,"sentiment":"neutral","sentiment_score":-0.011410048231482506},{"text":"No.","start":5486.18,"end":5486.42,"sentiment":"neutral","sentiment_score":-0.0791509747505188},{"text":"It shifted over to the left.","start":5486.42,"end":5488.125,"sentiment":"neutral","sentiment_score":-0.07393812077740829},{"text":"But if you look at the this is what is this is how the data was supposed to correlate in that table.","start":5488.205,"end":5493.745,"sentiment":"neutral","sentiment_score":-0.04737763885747303}],"sentiment":"neutral","sentiment_score":-0.04766645705184111,"num_words":39,"start":5481.7803,"end":5493.745},{"sentences":[{"text":"So, again, I'm gonna update it and resend it out.","start":5493.885,"end":5496.365,"sentiment":"neutral","sentiment_score":-0.021636181697249412},{"text":"So I do apologize.","start":5496.365,"end":5497.425,"sentiment":"neutral","sentiment_score":-0.08952812105417252},{"text":"For some reason, that that side just shifted over that way and threw the numbers out.","start":5498.445,"end":5503.2603,"sentiment":"neutral","sentiment_score":-0.3219526521861553},{"text":"I don't know why.","start":5503.2603,"end":5504.24,"sentiment":"neutral","sentiment_score":-0.19690950959920883},{"text":"Yeah.","start":5506.62,"end":5506.94,"sentiment":"neutral","sentiment_score":0.05403495952486992}],"sentiment":"neutral","sentiment_score":-0.18455199471541814,"num_words":35,"start":5493.885,"end":5506.94},{"sentences":[{"text":"Yeah.","start":5506.94,"end":5507.2603,"sentiment":"neutral","sentiment_score":0.04903228580951691},{"text":"But does that give you a better indication of what it looks like?","start":5507.2603,"end":5510.3203,"sentiment":"neutral","sentiment_score":0.053174519624847635},{"text":"Beautiful.","start":5512.3003,"end":5512.8003,"sentiment":"positive","sentiment_score":0.579444169998169},{"text":"And, also, if you wanted to look at the appendices, that is that's in the attachment for the like for like comparisons that didn't decide to shift over.","start":5512.8604,"end":5524.325,"sentiment":"neutral","sentiment_score":0.11788452682750565},{"text":"Okay.","start":5528.6504,"end":5528.89,"sentiment":"neutral","sentiment_score":0.16278958320617676}],"sentiment":"neutral","sentiment_score":0.10871139875697819,"num_words":44,"start":5506.94,"end":5528.89},{"sentences":[{"text":"Does that does that, like, it would make a little bit more sense?","start":5528.89,"end":5531.0503,"sentiment":"neutral","sentiment_score":0.1025416048673483},{"text":"A lot of those numbers would have thrown you off quite considerably.","start":5531.0503,"end":5533.95,"sentiment":"neutral","sentiment_score":-0.2538636935253938},{"text":"But in the appendix on the investment returns like for like, you'll see that those numbers are the same there as well, except for, obviously, your current current insurance premiums.","start":5534.49,"end":5544.1904,"sentiment":"neutral","sentiment_score":0.10966258024175962},{"text":"So, essentially, the super with insurance recommendation for us, which is HUB24 for both of you, it gives you a it essentially saves you money in administration and investment costs overall.","start":5549.4053,"end":5562.75,"sentiment":"neutral","sentiment_score":0.1875504461988326},{"text":"You know, you save $1, and then between the admin fee and investment fee just by investing in in a in a portfolio within hub 24 that essentially gets you 2.78% better return.","start":5564.33,"end":5575.6753,"sentiment":"neutral","sentiment_score":0.15176824762514143}],"sentiment":"neutral","sentiment_score":0.10419302480686612,"num_words":119,"start":5528.89,"end":5575.6753},{"sentences":[{"text":"But if you were to just get Correct.","start":5577.335,"end":5586.82,"sentiment":"neutral","sentiment_score":0.01719529554247856},{"text":"Correct.","start":5586.82,"end":5587.1396,"sentiment":"neutral","sentiment_score":0.014930623583495615},{"text":"In administration cost.","start":5587.1396,"end":5588.9,"sentiment":"neutral","sentiment_score":0.0026748611902197203},{"text":"Yes.","start":5588.9,"end":5589.4,"sentiment":"neutral","sentiment_score":0.031949881464242935},{"text":"Because it's much more comprehensive product.","start":5589.6997,"end":5592.6597,"sentiment":"neutral","sentiment_score":0.0899791531264782}],"sentiment":"neutral","sentiment_score":0.038544335353531335,"num_words":19,"start":5577.335,"end":5592.6597},{"sentences":[{"text":"You can with q super if you if you change your investment over to high growth exactly.","start":5592.6597,"end":5598.0396,"sentiment":"neutral","sentiment_score":0.006492647232816499},{"text":"Exactly.","start":5598.34,"end":5598.84,"sentiment":"neutral","sentiment_score":0.0057368590496480465},{"text":"So exactly.","start":5599.375,"end":5600.915,"sentiment":"neutral","sentiment_score":0.01060442440211773},{"text":"So this is where we go to the investment side of things.","start":5601.295,"end":5604.195,"sentiment":"neutral","sentiment_score":-0.00010838429443538193},{"text":"Exactly.","start":5606.0947,"end":5606.5947,"sentiment":"neutral","sentiment_score":0.009028881788253784}],"sentiment":"neutral","sentiment_score":0.004395423668690703,"num_words":33,"start":5592.6597,"end":5606.5947},{"sentences":[{"text":"And but but for Brendan's, if you're looking at his, you're looking at a you know, essentially a it's a $87 cheaper for his recommended investment portfolio.","start":5606.735,"end":5618.35,"sentiment":"neutral","sentiment_score":-0.014817665882960514},{"text":"However, it's $3 more expensive for the same up 24 accounts.","start":5618.89,"end":5623.1504,"sentiment":"neutral","sentiment_score":-0.10941757600415837},{"text":"And that's because he's in a core product because it's the it's the grouping discount.","start":5624.0903,"end":5628.465,"sentiment":"neutral","sentiment_score":-0.001991346168021361},{"text":"So does that is that does that make more sense about what I was trying to explain before?","start":5628.945,"end":5632.7246,"sentiment":"neutral","sentiment_score":-0.01653798348787758},{"text":"Or Yeah.","start":5632.945,"end":5635.425,"sentiment":"neutral","sentiment_score":-0.05508977547287941}],"sentiment":"neutral","sentiment_score":-0.027964435084021255,"num_words":73,"start":5606.735,"end":5635.425},{"sentences":[{"text":"I'm sorry about that.","start":5635.425,"end":5636.465,"sentiment":"neutral","sentiment_score":-0.14116868376731873},{"text":"No.","start":5636.465,"end":5636.8647,"sentiment":"neutral","sentiment_score":-0.28561604022979736},{"text":"Shift over.","start":5636.8647,"end":5637.585,"sentiment":"neutral","sentiment_score":-0.2502278536558151},{"text":"Hopefully, that email just gives you a better idea of what I was trying to explain before.","start":5637.585,"end":5641.605,"sentiment":"neutral","sentiment_score":0.13897460063590722},{"text":"Mhmm.","start":5647.08,"end":5647.58,"sentiment":"neutral","sentiment_score":0.07051575928926468}],"sentiment":"neutral","sentiment_score":0.0432934994995594,"num_words":25,"start":5635.425,"end":5647.58},{"sentences":[{"text":"Ash, just with you, I'm glad you asked that.","start":5654.44,"end":5656.395,"sentiment":"positive","sentiment_score":0.4994923422733943},{"text":"So if you look at which which table are you looking at?","start":5656.6353,"end":5659.115,"sentiment":"neutral","sentiment_score":0.060085822672893606},{"text":"Are you looking at the email one or in the appendices?","start":5659.115,"end":5662.175,"sentiment":"neutral","sentiment_score":0.019035059281370857},{"text":"Or okay.","start":5662.555,"end":5666.315,"sentiment":"neutral","sentiment_score":0.05195166077464819},{"text":"Okay.","start":5666.315,"end":5666.815,"sentiment":"neutral","sentiment_score":0.07807813584804535}],"sentiment":"neutral","sentiment_score":0.16022365891507695,"num_words":35,"start":5654.44,"end":5666.815},{"sentences":[{"text":"So Brendon's like like that if you go down underneath those investment fees, so there's admin fee, investment fee, any other fees, adviser service fee, that's a percentage based compared to, you know, obviously, not paying anything.","start":5667.115,"end":5680.74,"sentiment":"neutral","sentiment_score":0.04889931806640045},{"text":"Then you look at contribution per year.","start":5680.74,"end":5683.16,"sentiment":"neutral","sentiment_score":0.05161611469728606},{"text":"So that contribution per year is the contribution from employment.","start":5683.3853,"end":5687.565,"sentiment":"neutral","sentiment_score":0.08474596291780472},{"text":"That's 12% per annum.","start":5688.5054,"end":5690.105,"sentiment":"neutral","sentiment_score":0.10505075752735138},{"text":"You get a little bit more, and what's convenient with your line of work, I believe, five years ago or something, you still get the same contribution and elected nomination to kind of salary sacrifice 5% or a little bit more, a little bit less.","start":5690.105,"end":5703.7397,"sentiment":"neutral","sentiment_score":0.32562226321962146}],"sentiment":"neutral","sentiment_score":0.17564322403406055,"num_words":103,"start":5667.115,"end":5703.7397},{"sentences":[{"text":"You still get the same government benefits to whatever fund you wanna go to.","start":5705.0796,"end":5709.26,"sentiment":"neutral","sentiment_score":0.3046934540782656},{"text":"Yeah.","start":5712.145,"end":5712.465,"sentiment":"neutral","sentiment_score":0.2983817160129547},{"text":"Yeah.","start":5712.465,"end":5712.8647,"sentiment":"neutral","sentiment_score":0.2365293800830841},{"text":"Correct.","start":5712.8647,"end":5713.265,"sentiment":"neutral","sentiment_score":0.23218876123428345},{"text":"So it's not just linked to q super.","start":5713.265,"end":5715.285,"sentiment":"neutral","sentiment_score":0.024330554762855172}],"sentiment":"neutral","sentiment_score":0.20909810610115528,"num_words":25,"start":5705.0796,"end":5715.285},{"sentences":[{"text":"It used to be.","start":5715.825,"end":5716.965,"sentiment":"neutral","sentiment_score":0.07962257415056229},{"text":"Yeah.","start":5717.3447,"end":5717.825,"sentiment":"neutral","sentiment_score":0.01317305862903595},{"text":"So it used to be only q super and your line of work, but they the government ended up changing that because I I rightly so, I I seem to agree with that, you know, which I don't agree with the government's decisions half the time more than that.","start":5717.825,"end":5731.91,"sentiment":"neutral","sentiment_score":-0.002791486072296999},{"text":"But I do agree that it is your money.","start":5731.97,"end":5734.23,"sentiment":"neutral","sentiment_score":0.29810837904612225},{"text":"You cover 12% of your wage discount to to essentially put towards a retirement fund so that the government doesn't have to pay a pension.","start":5734.5303,"end":5745.845,"sentiment":"neutral","sentiment_score":0.21613430321216584}],"sentiment":"neutral","sentiment_score":0.09410469919781793,"num_words":88,"start":5715.825,"end":5745.845},{"sentences":[{"text":"Correct.","start":5746.145,"end":5746.5454,"sentiment":"neutral","sentiment_score":0.17586427927017212},{"text":"Correct.","start":5746.5454,"end":5747.0254,"sentiment":"neutral","sentiment_score":0.011082994751632214},{"text":"So you should be able to not lose any benefits by being forced to stay with one super fund that's underperforming, let's say.","start":5747.0254,"end":5753.5254,"sentiment":"neutral","sentiment_score":0.1104519534856081},{"text":"It's your money.","start":5753.72,"end":5754.52,"sentiment":"neutral","sentiment_score":0.266024649143219},{"text":"You should be able to get the same benefits and be able to get the same outcome as if you were with that fund or any other fund.","start":5754.52,"end":5761.02,"sentiment":"positive","sentiment_score":0.6440116081918988}],"sentiment":"positive","sentiment_score":0.3849596639463146,"num_words":56,"start":5746.145,"end":5761.02},{"sentences":[{"text":"That's that 5% voluntary contribution you're already doing.","start":5773.5747,"end":5776.9346,"sentiment":"neutral","sentiment_score":0.1718947608023882},{"text":"If you do that to help '20 four, you will also get that benefit.","start":5776.9346,"end":5780.5547,"sentiment":"neutral","sentiment_score":0.27358500553028925},{"text":"Yep.","start":5782.5303,"end":5783.0103,"sentiment":"neutral","sentiment_score":0.1698189228773117},{"text":"Yep.","start":5783.0103,"end":5783.5103,"sentiment":"neutral","sentiment_score":0.13978512585163116},{"text":"Now what I wanted to point out as well, those projections in today's dollars for the future, like we explained before, and if you're looking at those contributions and insurance premiums, those contributions are gonna stay the exact set in the calculations of the projections.","start":5785.97,"end":5803.195,"sentiment":"neutral","sentiment_score":0.04651572292463647}],"sentiment":"neutral","sentiment_score":0.11026318469827158,"num_words":69,"start":5773.5747,"end":5803.195},{"sentences":[{"text":"Again, we try and be as conservative as possible.","start":5803.195,"end":5805.695,"sentiment":"neutral","sentiment_score":0.07408182778292233},{"text":"A good example of this is if you were to look at the statement of advice when you're going through it in your own time.","start":5806.155,"end":5811.87,"sentiment":"neutral","sentiment_score":0.03900027453899384},{"text":"If you go to Brendan's projections, I think it was page 18 or page 19, you'll see a comparison between the returns of c bus versus what we're recommending for him.","start":5812.19,"end":5827.565,"sentiment":"neutral","sentiment_score":0.019050945557894244},{"text":"So in twelve months, three year, five year, and ten year, need neither we didn't have the available kind of data for our ten year time horizons mostly because some of those investments weren't around back then.","start":5827.8647,"end":5840.605,"sentiment":"neutral","sentiment_score":-0.03545609161861845},{"text":"So it wouldn't give us a d wouldn't give us a relevant outcome.","start":5841.21,"end":5844.83,"sentiment":"neutral","sentiment_score":-0.09273045911238743}],"sentiment":"neutral","sentiment_score":-0.0024786846307308778,"num_words":115,"start":5803.195,"end":5844.83},{"sentences":[{"text":"But if you look at the twelve month projection, three year rolling average outcome of this is yeah.","start":5844.89,"end":5852.73,"sentiment":"neutral","sentiment_score":-0.1070632663451963},{"text":"Correct.","start":5852.73,"end":5853.13,"sentiment":"neutral","sentiment_score":-0.04322442784905434},{"text":"So so I could use a three year projection, but I've got we've got, like within our company, within OPU, it's it's kinda like a it's it's part of our procedures to always use either the lowest or the longest average return, especially if it's the lowest.","start":5853.13,"end":5872.32,"sentiment":"neutral","sentiment_score":-0.03415453537030423},{"text":"So if if five year is the lowest and let's say we do have ten year data available data and it's, say, 10%, we would still use the five year data because it's 9.6% on our returns, and we do a like for like comparison compared to whatever fund we're recommending against.","start":5872.38,"end":5889.615,"sentiment":"neutral","sentiment_score":0.09746594569430901},{"text":"Because, again, I would rather give you a a lower number now that we can try and exceed rather than a nice big fluffy number now that we probably won't require reach.","start":5889.915,"end":5900.23,"sentiment":"neutral","sentiment_score":0.04934900428634137}],"sentiment":"neutral","sentiment_score":0.020478472858667374,"num_words":150,"start":5844.89,"end":5900.23},{"sentences":[{"text":"So we always use the lowest amount, and that just turns out to be a five year rolling average.","start":5900.45,"end":5905.0103,"sentiment":"positive","sentiment_score":0.39399316906929016},{"text":"That's why there's a five year comparison moving forward into the future, what it looks like, and, you know, the what the effects of those fees would be in the beginning, but then the comparison and the outcome over the full time until you can access the superannuation inclusive of the insurances as well.","start":5905.0103,"end":5922.0654,"sentiment":"positive","sentiment_score":0.37894952297210693},{"text":"Does that that that hopefully, it's kind of all coming together because I know there's a lot.","start":5924.4897,"end":5928.8296,"sentiment":"neutral","sentiment_score":0.22520238161087036},{"text":"Perfect.","start":5933.21,"end":5933.71,"sentiment":"positive","sentiment_score":0.5153226852416992},{"text":"That's all I wanted to kind of just make sure that you understand.","start":5933.9297,"end":5936.75,"sentiment":"neutral","sentiment_score":0.32340959860728336}],"sentiment":"positive","sentiment_score":0.3509349269935718,"num_words":104,"start":5900.45,"end":5936.75},{"sentences":[{"text":"The last thing before I let you go that I wanna work on, do you do you have any questions about I haven't gone through the investments as such, but in our next conversation, I know you're probably a little bit branded now right now.","start":5937.235,"end":5947.255,"sentiment":"neutral","sentiment_score":0.09289207541280323},{"text":"But I'm happy to go through the investments as well.","start":5948.355,"end":5951.01,"sentiment":"positive","sentiment_score":0.5074049144983291},{"text":"They are different between yourself as well as Brandon because it's just because of the balance.","start":5951.01,"end":5957.67,"sentiment":"neutral","sentiment_score":0.2610276844352484},{"text":"So he's got a lower balance.","start":5958.13,"end":5959.9697,"sentiment":"positive","sentiment_score":0.38325416048367816},{"text":"I don't wanna cost too much on investment costs.","start":5959.9697,"end":5961.9697,"sentiment":"neutral","sentiment_score":0.25268951389524674}],"sentiment":"neutral","sentiment_score":0.20935309392421744,"num_words":86,"start":5937.235,"end":5961.9697},{"sentences":[{"text":"You've got a more comprehensive portfolio.","start":5961.9697,"end":5963.57,"sentiment":"positive","sentiment_score":0.4880904754002889},{"text":"Therefore, you get a better outcome.","start":5963.57,"end":5965.035,"sentiment":"positive","sentiment_score":0.5172770420710245},{"text":"You know, better five year rolling return.","start":5965.1953,"end":5967.455,"sentiment":"neutral","sentiment_score":0.24827427310603006},{"text":"Correct.","start":5968.075,"end":5968.555,"sentiment":"neutral","sentiment_score":0.1199493408203125},{"text":"So the last thing I wanna touch on is the fees.","start":5968.555,"end":5972.895,"sentiment":"neutral","sentiment_score":0.03139188563959165}],"sentiment":"neutral","sentiment_score":0.26565758385244875,"num_words":31,"start":5961.9697,"end":5972.895},{"sentences":[{"text":"So if we scroll all the way down that original document, again, we're more regulated than the pharmaceutical industry.","start":5973.355,"end":5980.575,"sentiment":"neutral","sentiment_score":0.04250913819200114},{"text":"And looking at the documents and everything we have to incorporate into this advice, you can probably understand where I'm coming from now.","start":5980.6353,"end":5987.9897,"sentiment":"neutral","sentiment_score":0.07404126534643381},{"text":"Right?","start":5989.8896,"end":5990.21,"sentiment":"neutral","sentiment_score":0.04769348353147507},{"text":"But if you scroll all the way down past the wills, it's just on page 54.","start":5990.21,"end":5996.2554,"sentiment":"neutral","sentiment_score":0.0288265097187832},{"text":"It says, like, establish your beneficiary nominations for the insurances and new funds if you go ahead with them.","start":5996.2554,"end":6001.7954,"sentiment":"neutral","sentiment_score":0.10099117193174989}],"sentiment":"neutral","sentiment_score":0.06331246967116992,"num_words":78,"start":5973.355,"end":6001.7954},{"sentences":[{"text":"Page 57, it's a big gap.","start":6002.1753,"end":6004.495,"sentiment":"negative","sentiment_score":-0.3644238660732905},{"text":"It's annoying when you do that and convert a Word document to PDF, and it ships everything around.","start":6004.495,"end":6009.7603,"sentiment":"negative","sentiment_score":-0.5288661072651545},{"text":"But establish a will, and the benefits, outcomes, disadvantages, advantages, as well as alternatives considered after that.","start":6009.9,"end":6017.68,"sentiment":"neutral","sentiment_score":0.04906435216338757},{"text":"We we also recommend established power of attorney in case something happens to you both.","start":6017.98,"end":6021.675,"sentiment":"neutral","sentiment_score":0.15805533876021702},{"text":"We need to make sure that, one, we know what to do with the way to pay the money to, and two, what to do with it.","start":6021.835,"end":6027.295,"sentiment":"neutral","sentiment_score":0.025714187158478632}],"sentiment":"neutral","sentiment_score":-0.09405934946690069,"num_words":83,"start":6002.1753,"end":6027.295},{"sentences":[{"text":"As on page 61, our ongoing service agreement just in writing on page 63 tells you what we do, that we're not a set and forget strategy.","start":6027.355,"end":6035.4346,"sentiment":"neutral","sentiment_score":0.22026770920665176},{"text":"We can do pretty much anything you like.","start":6035.4346,"end":6037.38,"sentiment":"positive","sentiment_score":0.46750668063759804},{"text":"You're paying us, so use us.","start":6037.38,"end":6039.1597,"sentiment":"neutral","sentiment_score":0.327896515528361},{"text":"If you were to come on board, more important information, cooling off periods.","start":6039.3,"end":6043.3,"sentiment":"neutral","sentiment_score":0.1605388866021083},{"text":"But if you go to page 65, this is what we will get paid depending on what you wanna proceed with.","start":6043.3,"end":6048.36,"sentiment":"neutral","sentiment_score":0.08895166324717659}],"sentiment":"neutral","sentiment_score":0.20812868187824884,"num_words":75,"start":6027.355,"end":6048.36},{"sentences":[{"text":"Let me know when you're there.","start":6051.62,"end":6052.875,"sentiment":"neutral","sentiment_score":0.049798283725976944},{"text":"Remuneration.","start":6056.235,"end":6056.735,"sentiment":"neutral","sentiment_score":0.060025427490472794},{"text":"Correct.","start":6057.035,"end":6057.535,"sentiment":"neutral","sentiment_score":0.13038340210914612},{"text":"Yep.","start":6058.875,"end":6059.375,"sentiment":"neutral","sentiment_score":0.13760176301002502},{"text":"Essentially, fees.","start":6059.435,"end":6060.475,"sentiment":"neutral","sentiment_score":0.10504287481307983}],"sentiment":"neutral","sentiment_score":0.0760805495083332,"num_words":11,"start":6051.62,"end":6060.475},{"sentences":[{"text":"Remuneration fees is what we get remunerated by, how how we get remunerated.","start":6060.475,"end":6065.295,"sentiment":"neutral","sentiment_score":0.14850897513903105},{"text":"This is how we get back.","start":6067.035,"end":6068.155,"sentiment":"neutral","sentiment_score":0.15338352570931116},{"text":"Correct.","start":6068.155,"end":6068.655,"sentiment":"neutral","sentiment_score":0.13819795846939087},{"text":"So for this document, do you remember the stages, the roots, the the branching out, the all the different phases in the fees?","start":6069.0103,"end":6076.47,"sentiment":"neutral","sentiment_score":0.06793479232684425},{"text":"So because this statement of advice we charge so it for the super and insurance, I I just throw in, you know, the recommendation of will and power of attorney in there just because it made sense.","start":6076.77,"end":6086.625,"sentiment":"neutral","sentiment_score":0.21071802603231893}],"sentiment":"neutral","sentiment_score":0.1543522872030735,"num_words":80,"start":6060.475,"end":6086.625},{"sentences":[{"text":"But with the super insurance, the cost of preparing this document, we do complimentary because we wanna show that we can get you in a better position first and foremost with the increase of insurances.","start":6087.0054,"end":6099.1704,"sentiment":"positive","sentiment_score":0.44834135174751283},{"text":"And that's what we've just done.","start":6099.39,"end":6101.0103,"sentiment":"positive","sentiment_score":0.43502679467201233},{"text":"If you were to look at cash on budgeting or leveraging, gearing, and personal investments, then we charge just to write this document, we charge anywhere from $1,650 out of pocket to $2,200 out of pocket.","start":6101.79,"end":6115.285,"sentiment":"neutral","sentiment_score":0.13558893097150657},{"text":"Because you're only focusing on super and insurance, we charge we only charge once you decide to proceed with something.","start":6115.4253,"end":6122.8853,"sentiment":"neutral","sentiment_score":0.05494050681591034},{"text":"Right?","start":6123.025,"end":6123.525,"sentiment":"neutral","sentiment_score":0.058239422738552094}],"sentiment":"neutral","sentiment_score":0.24837101176761242,"num_words":98,"start":6087.0054,"end":6123.525},{"sentences":[{"text":"So if you were to proceed with only the insurances, only the insurer will pay us.","start":6123.825,"end":6130.08,"sentiment":"neutral","sentiment_score":0.1260191942565143},{"text":"And they pay us 66% of whatever the premium is of whatever insurance policy we write upfront, which is for yourself for for Brendan, it's gonna be $2,482.","start":6130.22,"end":6144.165,"sentiment":"neutral","sentiment_score":0.1423833476645606},{"text":"We'll get paid that from the insurance company and nothing from you out of your super or out of back pocket.","start":6144.625,"end":6150.405,"sentiment":"neutral","sentiment_score":0.175532089812415},{"text":"And then we will also get if we go ahead with your ClearView insurance policy, we get paid 66% of that first year premium, which is $3,056.","start":6150.705,"end":6160.75,"sentiment":"neutral","sentiment_score":0.20675177485854537},{"text":"Then there is the insurance company will essentially for the life of the policy, we will get paid 22% of that commission every year, which is, you know, what, $827 on the next page for Brendan's policy and $1,019 for your policy from Clearview every year moving forward for the life of the policy.","start":6161.45,"end":6181.225,"sentiment":"neutral","sentiment_score":0.18364033834249885}],"sentiment":"neutral","sentiment_score":0.17252117068800207,"num_words":146,"start":6123.825,"end":6181.225},{"sentences":[{"text":"So that's how we get paid from the insurance company.","start":6182.15,"end":6184.23,"sentiment":"neutral","sentiment_score":0.24564055502414703},{"text":"You don't pay anything out of back pocket, but because we've looked at the insurance and managing the InsideSuper and the recommendation of superannuation, we've calculated these fees into those projection tables as well, like the one I just emailed you.","start":6184.23,"end":6199.565,"sentiment":"neutral","sentiment_score":0.13835883694814471},{"text":"Upfront, again, we charge for an individual client.","start":6199.945,"end":6203.005,"sentiment":"neutral","sentiment_score":0.1558667216449976},{"text":"Once you agree to proceed with if it were the super insurance, then we can charge this fee out of super.","start":6203.065,"end":6209.32,"sentiment":"neutral","sentiment_score":0.17541067798932394},{"text":"For an individual, we charge $4,500 plus GST or $4,950 for this document.","start":6209.32,"end":6215.66,"sentiment":"neutral","sentiment_score":0.13572305956712136}],"sentiment":"neutral","sentiment_score":0.15939866290778243,"num_words":93,"start":6182.15,"end":6215.66},{"sentences":[{"text":"But if you're a couple and there's two clients, obviously, we want two lots of funds to grow, so it's more beneficial for everyone.","start":6216.12,"end":6222.7,"sentiment":"neutral","sentiment_score":0.29820635356009007},{"text":"Then we reduce that fee down from essentially $4,950 for one for an individual down to 3,300 per individual, which is reflected in there as well.","start":6223.2153,"end":6234.435,"sentiment":"neutral","sentiment_score":0.21175493873082674},{"text":"Does that make sense?","start":6236.015,"end":6237.395,"sentiment":"neutral","sentiment_score":0.18547844886779785},{"text":"Beautiful.","start":6239.1104,"end":6239.43,"sentiment":"positive","sentiment_score":0.5443901419639587},{"text":"I wanna make sure that you understand as well.","start":6239.43,"end":6241.6704,"sentiment":"neutral","sentiment_score":0.17115078369776407}],"sentiment":"neutral","sentiment_score":0.24201940442435443,"num_words":64,"start":6216.12,"end":6241.6704},{"sentences":[{"text":"Within the projection tables that I emailed through, the actual correct one again, sorry.","start":6241.6704,"end":6246.95,"sentiment":"neutral","sentiment_score":-0.05248642832572971},{"text":"Apologies about it.","start":6246.95,"end":6247.71,"sentiment":"neutral","sentiment_score":-0.1709514061609904},{"text":"I don't know why I shipped it across.","start":6247.71,"end":6249.21,"sentiment":"neutral","sentiment_score":-0.1590048409998417},{"text":"But the projection tables, that is inclusive where you can see the balance at the top.","start":6249.43,"end":6255.5947,"sentiment":"neutral","sentiment_score":0.06177372171077877},{"text":"We've deducted that 3,300 from each of your super funds straight off the bat.","start":6255.5947,"end":6260.175,"sentiment":"neutral","sentiment_score":0.15311350567000254}],"sentiment":"neutral","sentiment_score":0.011132103340192274,"num_words":55,"start":6241.6704,"end":6260.175},{"sentences":[{"text":"And when we'll start with looking at the projections moving forward, that's comparison over five years, ten years, and thirty two years by the age of 60.","start":6260.475,"end":6269.33,"sentiment":"neutral","sentiment_score":0.090530459113695},{"text":"That is net of all fees, platform fees, insurance premiums, as well as our fees.","start":6269.39,"end":6276.29,"sentiment":"neutral","sentiment_score":0.0607648270825545},{"text":"Okay?","start":6278.35,"end":6278.85,"sentiment":"neutral","sentiment_score":0.08093267679214478},{"text":"So that's an upfront cost, a flat rate of $36,600, 3,300 each for documents if you were to proceed with the super.","start":6279.505,"end":6287.205,"sentiment":"neutral","sentiment_score":0.06355382891541178},{"text":"And then the insurance add in the ongoing percentage based fee is at 1.5% plus GST, and it tears down the higher you grow because it gets pretty outrageous if we charge 1.65% on, you know, your outcome of 1.5 1,700,000 and then you know what I mean?","start":6287.665,"end":6305.5996,"sentiment":"neutral","sentiment_score":-0.13454246109661958}],"sentiment":"neutral","sentiment_score":-0.014363950596446485,"num_words":113,"start":6260.475,"end":6305.5996},{"sentences":[{"text":"We we we start charging, like, $4,050,000 dollars a year.","start":6305.5996,"end":6309.045,"sentiment":"neutral","sentiment_score":-0.04014056045562029},{"text":"I wouldn't complain, but it just doesn't seem really reasonable to us.","start":6309.205,"end":6313.545,"sentiment":"neutral","sentiment_score":-0.24351824633777142},{"text":"Does that make does that make sense?","start":6315.925,"end":6318.265,"sentiment":"neutral","sentiment_score":0.09191469794937543},{"text":"So, essentially, if you don't go ahead with the super and you only want us to write the insurances to get you covered and your family covered, well, you don't pay us a cent outside of super or out of your back pocket.","start":6319.8447,"end":6329.82,"sentiment":"neutral","sentiment_score":0.04896928556263447},{"text":"The insurance company pays us only.","start":6329.82,"end":6331.6797,"sentiment":"neutral","sentiment_score":-0.022295366351803143}],"sentiment":"neutral","sentiment_score":-0.009080956331812419,"num_words":78,"start":6305.5996,"end":6331.6797},{"sentences":[{"text":"But then I also need I also wanna, you know, reflect what that looks like in the appendix if we were to write that cover and just key get your current super fund to pay for it.","start":6333.02,"end":6342.9946,"sentiment":"neutral","sentiment_score":0.05803661954564017},{"text":"What what the app what the impact would be.","start":6343.5347,"end":6345.875,"sentiment":"neutral","sentiment_score":0.02458395084573163},{"text":"That's that's those tables in the appendices.","start":6345.9346,"end":6348.1147,"sentiment":"neutral","sentiment_score":0.080887640693358},{"text":"Cool.","start":6350.4946,"end":6350.895,"sentiment":"neutral","sentiment_score":0.25765272974967957},{"text":"Does that all make sense?","start":6350.895,"end":6351.855,"sentiment":"neutral","sentiment_score":0.19548894762992858}],"sentiment":"neutral","sentiment_score":0.07067663446700169,"num_words":59,"start":6333.02,"end":6351.855},{"sentences":[{"text":"Do you have any questions?","start":6351.855,"end":6352.8,"sentiment":"neutral","sentiment_score":0.06291328519582748},{"text":"Amazing.","start":6355.04,"end":6355.54,"sentiment":"positive","sentiment_score":0.5669429302215576},{"text":"I should probably get some dinner, and you guys should probably get some get to dinner too.","start":6356.6396,"end":6360.8,"sentiment":"positive","sentiment_score":0.423834436080035},{"text":"So I do apologize for the time and the delay.","start":6360.8,"end":6363.44,"sentiment":"neutral","sentiment_score":-0.11816581562161446},{"text":"I know we're supposed to kick off at five, but life and puppies and and technology gets in the way.","start":6363.44,"end":6369.605,"sentiment":"neutral","sentiment_score":-0.15353927947580814}],"sentiment":"neutral","sentiment_score":0.0723443589401695,"num_words":53,"start":6351.855,"end":6369.605},{"sentences":[{"text":"Yeah.","start":6369.665,"end":6369.985,"sentiment":"neutral","sentiment_score":0.02624629996716976},{"text":"Correct.","start":6369.985,"end":6370.385,"sentiment":"neutral","sentiment_score":0.10548002272844316},{"text":"Shit does happen.","start":6370.385,"end":6371.2646,"sentiment":"neutral","sentiment_score":0.0658592792848746},{"text":"Exactly right.","start":6371.2646,"end":6372.165,"sentiment":"neutral","sentiment_score":0.1929502710700035},{"text":"But, look, the the over remuneration instead of broken down between the implementation and then ongoing, I've done it for each of you.","start":6372.385,"end":6381.125,"sentiment":"neutral","sentiment_score":0.059022247983628644}],"sentiment":"neutral","sentiment_score":0.06909054687712342,"num_words":30,"start":6369.665,"end":6381.125},{"sentences":[{"text":"So on the next page and then on the page after that, 69 shows the how to implement our advice if you were to go ahead with everything, step by step guide for who and when all the way down.","start":6381.585,"end":6394.14,"sentiment":"neutral","sentiment_score":0.08164143161848188},{"text":"And then the on page 71 is just essentially showing, look, if you do wanna proceed with everything, then we will just, you know, proceed.","start":6394.1997,"end":6402.885,"sentiment":"neutral","sentiment_score":0.06715466499328614},{"text":"But in that little box above the finding area, we can outline, you know, you says, I have chosen to vary the recommendations in the supplies documents.","start":6402.885,"end":6411.945,"sentiment":"neutral","sentiment_score":0.06889615359681624},{"text":"And then we'll write down, look, I only wanna proceed with insurance or whatever it might be.","start":6412.5,"end":6416.6,"sentiment":"neutral","sentiment_score":0.06562675886294421},{"text":"Right?","start":6417.06,"end":6417.56,"sentiment":"neutral","sentiment_score":0.09601300954818726}],"sentiment":"neutral","sentiment_score":0.07287625406276096,"num_words":110,"start":6381.585,"end":6417.56},{"sentences":[{"text":"Perfect.","start":6419.78,"end":6420.2603,"sentiment":"positive","sentiment_score":0.557302713394165},{"text":"Now I know that's a lot to take in.","start":6420.2603,"end":6422.2603,"sentiment":"neutral","sentiment_score":0.0604278225865629},{"text":"I don't want you to make a decision just yes on what to do moving forward, but Friday is the Gold Coast show day.","start":6422.2603,"end":6428.395,"sentiment":"neutral","sentiment_score":-0.026268099900335073},{"text":"So what how about this Thursday this week, or would you prefer to catch up just for a chat maybe Monday next week?","start":6428.395,"end":6435.275,"sentiment":"neutral","sentiment_score":0.03573791213009669},{"text":"What do you prefer?","start":6435.275,"end":6436.1753,"sentiment":"neutral","sentiment_score":0.02154713263735175}],"sentiment":"neutral","sentiment_score":0.02260457751814459,"num_words":61,"start":6419.78,"end":6436.1753},{"sentences":[{"text":"Okay.","start":6441.22,"end":6441.72,"sentiment":"neutral","sentiment_score":0.05789370834827423},{"text":"Beautiful.","start":6444.18,"end":6444.68,"sentiment":"positive","sentiment_score":0.4135892987251282},{"text":"Monday, same time.","start":6446.2603,"end":6447.62,"sentiment":"neutral","sentiment_score":0.16433996458848318},{"text":"You guys just okay.","start":6447.62,"end":6453.08,"sentiment":"neutral","sentiment_score":0.046229707077145576},{"text":"Yeah.","start":6457.375,"end":6457.6147,"sentiment":"neutral","sentiment_score":0.035087067633867264}],"sentiment":"neutral","sentiment_score":0.11845087967813014,"num_words":10,"start":6441.22,"end":6457.6147},{"sentences":[{"text":"Yeah.","start":6457.6147,"end":6457.855,"sentiment":"neutral","sentiment_score":0.06387000530958176},{"text":"Absolutely.","start":6457.855,"end":6458.355,"sentiment":"neutral","sentiment_score":0.1405661404132843},{"text":"Money never sleeps in my world, and it's it's 08:00 at night.","start":6458.415,"end":6461.5547,"sentiment":"neutral","sentiment_score":0.011993424811710915},{"text":"You know, we do this.","start":6462.415,"end":6463.5347,"sentiment":"neutral","sentiment_score":0.08108721412718296},{"text":"I do I do, like, maybe five I used to do five to seven of these a day.","start":6463.5347,"end":6467.375,"sentiment":"neutral","sentiment_score":0.11904214363959101}],"sentiment":"neutral","sentiment_score":0.07828518647599865,"num_words":37,"start":6457.6147,"end":6467.375},{"sentences":[{"text":"So, honestly, anytime whenever it suits you.","start":6467.375,"end":6470.1147,"sentiment":"neutral","sentiment_score":0.1553024756056922},{"text":"Okay.","start":6478.78,"end":6479.02,"sentiment":"neutral","sentiment_score":0.0990539938211441},{"text":"Well, if Brendan's okay with me to having that discussion with you, if he's if he comes to decision or whatever you guys come to decision on, then we will need to see him send you his ID and, oh, you've already sent through IDs.","start":6479.02,"end":6491.535,"sentiment":"neutral","sentiment_score":0.1303150518072976},{"text":"We're gonna need those.","start":6491.535,"end":6492.575,"sentiment":"neutral","sentiment_score":0.14388159662485123},{"text":"And you've got tax on number.","start":6492.575,"end":6493.6953,"sentiment":"neutral","sentiment_score":0.23404953877131143}],"sentiment":"neutral","sentiment_score":0.1433360678335977,"num_words":63,"start":6467.375,"end":6493.6953},{"sentences":[{"text":"That's all good from an AML point of view.","start":6493.6953,"end":6495.795,"sentiment":"neutral","sentiment_score":0.30430281824535793},{"text":"I will need to just ask a question there for again, compliance is everything in our world.","start":6496.335,"end":6500.67,"sentiment":"neutral","sentiment_score":0.054833336678497935},{"text":"So I will need to speak to him, and I will need to get him to sign up on the documents that you would have received.","start":6501.39,"end":6506.4497,"sentiment":"neutral","sentiment_score":-0.008989643018979292},{"text":"Again, I'm gonna resend them because I wanna update the document with that table shifted.","start":6506.59,"end":6511.17,"sentiment":"neutral","sentiment_score":-0.0065005918343861895},{"text":"Amazing.","start":6514.205,"end":6514.705,"sentiment":"positive","sentiment_score":0.694632887840271}],"sentiment":"neutral","sentiment_score":0.05932772617020151,"num_words":68,"start":6493.6953,"end":6514.705},{"sentences":[{"text":"I'll give you a call, and if he's okay with that, then I'll give you a call at 09:30 on Monday, thirty first.","start":6515.005,"end":6520.685,"sentiment":"neutral","sentiment_score":0.31506404734176136},{"text":"How does that sound?","start":6520.685,"end":6521.665,"sentiment":"neutral","sentiment_score":0.29598068818449974},{"text":"That's right.","start":6526.71,"end":6527.35,"sentiment":"neutral","sentiment_score":0.14224163442850113},{"text":"Not a problem at all.","start":6527.35,"end":6528.23,"sentiment":"neutral","sentiment_score":0.20219330191612245},{"text":"I apologize for taking my time too.","start":6528.23,"end":6530.41,"sentiment":"neutral","sentiment_score":-0.045236188386167796}],"sentiment":"neutral","sentiment_score":0.2294924951544622,"num_words":41,"start":6515.005,"end":6530.41},{"sentences":[{"text":"I'll speak to you guys next well, I'll speak to yourself first and next week.","start":6530.95,"end":6534.63,"sentiment":"neutral","sentiment_score":0.14171201487382254},{"text":"Thank you for your patience.","start":6534.63,"end":6535.75,"sentiment":"positive","sentiment_score":0.6175365209579468},{"text":"I really appreciate it.","start":6535.75,"end":6536.925,"sentiment":"positive","sentiment_score":0.7324988692998886},{"text":"And, yeah, we'll we'll have a chat then.","start":6537.165,"end":6539.085,"sentiment":"neutral","sentiment_score":0.31052132323384285},{"text":"Alright?","start":6539.085,"end":6539.585,"sentiment":"neutral","sentiment_score":0.16303904354572296}],"sentiment":"neutral","sentiment_score":0.32698690710645734,"num_words":33,"start":6530.95,"end":6539.585},{"sentences":[{"text":"Amazing.","start":6541.7246,"end":6542.2046,"sentiment":"positive","sentiment_score":0.8298250436782837},{"text":"Enjoy the rest of your night.","start":6542.2046,"end":6543.085,"sentiment":"positive","sentiment_score":0.81338303287824},{"text":"See you.","start":6543.085,"end":6543.405,"sentiment":"positive","sentiment_score":0.5792055130004883},{"text":"Bye.","start":6543.405,"end":6543.905,"sentiment":"positive","sentiment_score":0.3678228259086609}],"sentiment":"positive","sentiment_score":0.7236357092857361,"num_words":10,"start":6541.7246,"end":6543.905}]}}]},{"alternatives":[{"transcript":"Hello? I've got Madison for you. Yep. Uh-huh. Yep. I said SOA. Yep. Yep. Yep. Yep. Yep. Cool. Just gonna try and replace them now. So okay. You deleted the You deleted the s o a, but not the appendix. I'm deleting the appendix now. And it's been over to s o a Yep. Sure can. Madison Research, working paper, SZSOA, saving advice, and SOA appendix. Lovely. Amazing. Pull replace. Yep. That should work. Brilliant. Okay. Alright. I believe that updated. Yep. Yep. Cool. Alright. Brilliant. Bye. Merge. Good. Sorry. I'm not sure what happened. Oh, perfect. Oh, perfect. Lovely. That's fine. Lovely. Lovely. I checked my junk. Lots of things that end up there. Nothing just yet. Okay. Perfect. So should I go I've got it. Your one. Perfect. Yes. Perfect. Yes. Mhmm. Perfect. Yep. Yeah. Yeah. Yes. Yes. He's just bathing the kids. Do you want me to Yeah. Yeah. You can just walk through it, and then I can explain it. I normally explain it afterwards with the kitchen desk. Yes. Yes. Yes. Yes. Yeah. Definitely. I can actually do that for free with QNMU. I didn't know that. Yep. Yep. Yeah. So yeah. So I'm happy to do that with them. Is that okay? Yeah. Yeah. That's what I mean. Yeah. Is that okay if I do that? Take take all the wins you get as a nurse. Perfect. A 100%. Yep. Yep. Yes. Yes. Yes. Yes. How boring. Yep. Yes. Yeah. Yep. Yes. Yes. Mhmm. You had benefit period. You wanted more than bloody two years. No? Yes. Yep. Yep. Oh, wow. Yeah. Yeah. Okay. Yep. Yes. Yes. Yes. No. Yes. Yes. Yes. Yes. I get it. Why must nobody explained it like that? Money. Oh my gosh. I never even thought of that. I thought you just needed to be covered for the sixty five years until you get your super. Yes. Yeah. That's right. Yeah. Yeah. Yep. I don't mind. Winnie? Oh, 27. Sorry. Yes. I'm there. Yep. Yes. Yes. Yes. Okay. Yes. Yeah. Mhmm. Yep. Okay. Yes. Yes. A 100 and 80 Something. Something like that. Yeah. Yes. Might be a bit hot. With the admin fees, why does it say minus four 110? Okay. Perfect. Yep. Okay. No. Yes. Okay. It's okay. Yes. Yes. Yes. Uh-huh. Yes. Okay. Yes. 43. No. Yeah. No. No. Okay. Yeah. Yeah. Yes. Yes. Yes. Yeah. Passage. Yes. Yep. Mhmm. Yes. Yes. Oh, yes. Yep. Yeah. Yeah. Yeah. Yes. Yep. Yeah. That makes some complete sense. Yep. Yep. For the ten years. Yeah. I think that sounds about right. Yes. That's right. Yep. Yes. Yes. Yes. Perfect. Sure. Yes. Yep. Yep. Specialty and finals Queensland. Yep. Yep. Yes. So if we were to buy more property, would we revise this? Yeah. Yes. Perfect. No. Yeah. And we can sell them off. If we're we're yeah. Again, that makes Yes. That's the plan. Mhmm. Yes. That makes sense. Yes. Yes. Yes. Nothing. Yes. Yes. Yes. Correct. Yes. Yep. Yep. Yes. Yeah. That's that's very cheap. That's, like, four coffees. Yeah. Yes. Yeah. Yeah. Perfect. Action. Yes. It's the same. Oh, wow. That's crazy. Yeah. Yeah. Yep. Yep. Yep. Okay. Just about the benefit period with mine. I thought that you said it would be good to do it only for the five years because if it if it went over the five years, it would be TPD. Yes. In sorry. What page? Yep. Page 27 and Yeah. Yeah. Oh, I see. Yeah. No. Sorry. I'm I'm a bit confused. Yep. Sort of. But a thousand dollars a week, is this just for me? Oh my god. That's that's just mind blowing me. I'm just very confused at what what we're talking about. Sorry. Yes. Okay. Yes. Yeah. Yeah. Yep. Yes. Yes. So, like, if we're paying the insurances, we wanna make sure we'll still have enough money in super as well. Yeah. And and so you you're saying we could retire early and just leave off out? Yep. Yeah. Yeah. Yep. Alright. Sorry. I just got it just went out of it. So I'm on page 27 and I'm paying, yes, 730 4. Yeah. Yes. Okay. Yes. No. That's right. Yeah. Yes. Yeah. That makes more sense. Sorry. Yes. Wow. Yeah. Okay. Will that be enough, though, in that sixty five years, like, because there's, like, inflation? Would 70 five No. Okay. Yeah. Oh, I understand. Yeah. Yeah. Yeah. Yep. So this is in today's dollars. Okay. Yeah. Yes. Sort of. Yes. Okay. So So no no matter how much inflation is, I'll I'll still only have 1,000,500? Oh, okay. Yep. Yeah. Okay. Yeah. Yep. Yeah. Yeah. Yes. Where where are we looking? Yes. Yes. Yes. Yes. Yes. Yes. Yes. Yeah. I see. Yes. Yes. Last two. Yep. Yep. Yep. Yes. Yes. Yes. Current. 3,000. Yep. Yep. Yep. Okay. Yeah. Yes. Yes. Perfect. Yeah. Yeah. No. That makes yeah. That makes sense. Yes. Yeah. Yes. Yes. Brandon's super is significantly lower than mine. Just looking at his Yeah. Yes. Yes. Yes. Yep. Yep. She is that. No. No. Not in the so he he he'll have one cigarette if he's really drunk. He hasn't smoked in the last What? Three years. Okay. Okay. Where are we looking? Sorry. 32. Oh, yes. I see. Yep. Yeah. Right. I for some reason, I thought it was the other way around. Yes. No. Yes. Okay. Yeah. Yeah. Yeah. That's crazy. Wow. Okay. Yeah. Yeah. Okay. Okay. Is there any insurer that would? Okay. Yeah. Yes. Yes. Yes. Okay. Okay. Okay. So they'll just roll it out anyway. Yeah. Okay. Yep. No worries. Yeah. That's for mine. Yes. Perfect. Yep. That makes sense. Brandon's only got their two year benefit period. Yeah. Okay. Yes. Okay. So he's also not covered for melanoma either. Yep. Okay. Yeah. But if it's any so only melanomas or what if any other skin cancers or is it is it just sorry. Yes. Yes. Yep. Yep. Yep. Yeah. So he doesn't have any pre pre because he hasn't had actual cancers taken out. Is that just because of his dad's cancers taken out? Okay. Yes. Yeah. Thank you. Yes. Yes. Yes. Yes. Yes. Yes. Yeah. Yes. Yes. Yes. Yes. Yes. What page is this on? Sorry. Oh, yes. In the in the appendix. Sorry. My my long acting's wearing off by now. Okay. Yes. Oh, that's crazy. Yeah. Yeah. Yeah. Yes. Yes. Yes. Yep. Yep. Yes. Yes. Yes. Yes. Yeah. 100%. Yeah. Yes. Yes. Yes. Perfect. Sounds good. Got it. Perfect. Yep. Yep. Yep. Oh, that makes sense. Yeah. Yeah. That's okay. No worries. Yep. Yep. Perfect. It says it's 500 and the the recommended one, it says it's 598 for admin? Yeah. Yeah. But investment fee is cheaper. And then it equals itself. Yeah. Yeah. Yeah. Robert. Yes. Yeah. So with with the recommendations that you have been giving with the super and, like, what the outcome will be in the thirty two years, is that with just our work contributions, or is that I'm just looking at the like for like at the moment. Yep. Yep. Okay. Yes. Yes. Oh, I do. Okay. Perfect. So I can I can oh, that's awesome? So Yep. Yes. Set you up for your future. Yeah. Exactly. Yeah. Lovely. Yeah. Lovely. And I know the government does also put in like, they don't they put in, like, an extra if I put in this much, they put in that much? Yep. Yeah. Oh, perfect. Yep. Cool. Just making sure. Sorry. Yeah. Yes. Yes. Okay. Oh, that's really strange. Yeah. Yes. Yes. Yes. Yeah. Makes sense. Yes. Yes. That makes sense. Yeah. Yes. Yep. Yep. Yes. Yeah. The room room oh, this is how you get paid. Yeah. Yes. Yes. Yes. Mhmm. Yes. Yes. Mhmm. Yes. Yep. Yes. Yes. Yes. Yes. Yes. Okay. Yes. Yep. No questions. Did happen. Yep. Yep. Yep. Perfect. Sounds good. We're seeing our mortgage broker Thursday. I could do Monday. Oh, sorry. I'm working a light on Monday, but is it will it be okay if it's just me in the morning? Okay. Perfect. Not a problem. I can do whatever time in the morning. I start I don't start work till one. Yes. Yep. Yep. Yeah. Not a problem. Sounds perfect so much. Thank you so much, and I'm so sorry. It's so late. Not a problem. Thank you so much. You too. 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I've got Madison for you. Yep. Uh-huh. Yep.\n\nI said SOA. Yep. Yep. Yep. Yep.\n\nYep. Cool. Just gonna try and replace them now. So okay. You deleted the You deleted the s o a, but not the appendix.\n\nI'm deleting the appendix now. And it's been over to s o a Yep. Sure can. Madison Research, working paper, SZSOA, saving advice, and SOA appendix. Lovely.\n\nAmazing. Pull replace. Yep. That should work. Brilliant.\n\nOkay. Alright. I believe that updated. Yep. Yep.\n\nCool. Alright. Brilliant. Bye. Merge.\n\nGood. Sorry. I'm not sure what happened. Oh, perfect. Oh, perfect.\n\nLovely. That's fine. Lovely. Lovely. I checked my junk.\n\nLots of things that end up there. Nothing just yet. Okay. Perfect. So should I go I've got it.\n\nYour one. Perfect. Yes. Perfect. Yes.\n\nMhmm. Perfect. Yep. Yeah. Yeah.\n\nYes. Yes. He's just bathing the kids. Do you want me to Yeah. Yeah.\n\nYou can just walk through it, and then I can explain it. I normally explain it afterwards with the kitchen desk. Yes. Yes. Yes.\n\nYes. Yeah. Definitely. I can actually do that for free with QNMU. I didn't know that.\n\nYep. Yep. Yeah. So yeah. So I'm happy to do that with them.\n\nIs that okay? Yeah. Yeah. That's what I mean. Yeah.\n\nIs that okay if I do that? Take take all the wins you get as a nurse. Perfect. A 100%. Yep.\n\nYep. Yes. Yes. Yes. Yes.\n\nHow boring. Yep. Yes. Yeah. Yep.\n\nYes. Yes. Mhmm. You had benefit period. You wanted more than bloody two years.\n\nNo? Yes. Yep. Yep. Oh, wow.\n\nYeah. Yeah. Okay. Yep. Yes.\n\nYes. Yes. No. Yes. Yes.\n\nYes. Yes. I get it. Why must nobody explained it like that? Money.\n\nOh my gosh. I never even thought of that. I thought you just needed to be covered for the sixty five years until you get your super. Yes. Yeah.\n\nThat's right. Yeah. Yeah. Yep. I don't mind.\n\nWinnie? Oh, 27. Sorry. Yes. I'm there.\n\nYep. Yes. Yes. Yes. Okay.\n\nYes. Yeah. Mhmm. Yep. Okay.\n\nYes. Yes. A 100 and 80 Something. Something like that. Yeah.\n\nYes. Might be a bit hot. With the admin fees, why does it say minus four 110? Okay. Perfect.\n\nYep. Okay. No. Yes. Okay.\n\nIt's okay. Yes. Yes. Yes. Uh-huh.\n\nYes. Okay. Yes. 43. No.\n\nYeah. No. No. Okay. Yeah.\n\nYeah. Yes. Yes. Yes. Yeah.\n\nPassage. Yes. Yep. Mhmm. Yes.\n\nYes. Oh, yes. Yep. Yeah. Yeah.\n\nYeah. Yes. Yep. Yeah. That makes some complete sense.\n\nYep. Yep. For the ten years. Yeah. I think that sounds about right.\n\nYes. That's right. Yep. Yes. Yes.\n\nYes. Perfect. Sure. Yes. Yep.\n\nYep. Specialty and finals Queensland. Yep. Yep. Yes.\n\nSo if we were to buy more property, would we revise this? Yeah. Yes. Perfect. No.\n\nYeah. And we can sell them off. If we're we're yeah. Again, that makes Yes. That's the plan.\n\nMhmm. Yes. That makes sense. Yes. Yes.\n\nYes. Nothing. Yes. Yes. Yes.\n\nCorrect. Yes. Yep. Yep. Yes.\n\nYeah. That's that's very cheap. That's, like, four coffees. Yeah. Yes.\n\nYeah. Yeah. Perfect. Action. Yes.\n\nIt's the same. Oh, wow. That's crazy. Yeah. Yeah.\n\nYep. Yep. Yep. Okay. Just about the benefit period with mine.\n\nI thought that you said it would be good to do it only for the five years because if it if it went over the five years, it would be TPD. Yes. In sorry. What page? Yep.\n\nPage 27 and Yeah. Yeah. Oh, I see. Yeah. No.\n\nSorry. I'm I'm a bit confused. Yep. Sort of. But a thousand dollars a week, is this just for me?\n\nOh my god. That's that's just mind blowing me. I'm just very confused at what what we're talking about. Sorry. Yes.\n\nOkay. Yes. Yeah. Yeah. Yep.\n\nYes. Yes. So, like, if we're paying the insurances, we wanna make sure we'll still have enough money in super as well. Yeah. And and so you you're saying we could retire early and just leave off out?\n\nYep. Yeah. Yeah. Yep. Alright.\n\nSorry. I just got it just went out of it. So I'm on page 27 and I'm paying, yes, 730 4. Yeah. Yes.\n\nOkay. Yes. No. That's right. Yeah.\n\nYes. Yeah. That makes more sense. Sorry. Yes.\n\nWow. Yeah. Okay. Will that be enough, though, in that sixty five years, like, because there's, like, inflation? Would 70 five No.\n\nOkay. Yeah. Oh, I understand. Yeah. Yeah.\n\nYeah. Yep. So this is in today's dollars. Okay. Yeah.\n\nYes. Sort of. Yes. Okay. So So no no matter how much inflation is, I'll I'll still only have 1,000,500?\n\nOh, okay. Yep. Yeah. Okay. Yeah.\n\nYep. Yeah. Yeah. Yes. Where where are we looking?\n\nYes. Yes. Yes. Yes. Yes.\n\nYes. Yes. Yeah. I see. Yes.\n\nYes. Last two. Yep. Yep. Yep.\n\nYes. Yes. Yes. Current. 3,000.\n\nYep. Yep. Yep. Okay. Yeah.\n\nYes. Yes. Perfect. Yeah. Yeah.\n\nNo. That makes yeah. That makes sense. Yes. Yeah.\n\nYes. Yes. Brandon's super is significantly lower than mine. Just looking at his Yeah. Yes.\n\nYes. Yes. Yep. Yep. She is that.\n\nNo. No. Not in the so he he he'll have one cigarette if he's really drunk. He hasn't smoked in the last What? Three years.\n\nOkay. Okay. Where are we looking? Sorry. 32.\n\nOh, yes. I see. Yep. Yeah. Right.\n\nI for some reason, I thought it was the other way around. Yes. No. Yes. Okay.\n\nYeah. Yeah. Yeah. That's crazy. Wow.\n\nOkay. Yeah. Yeah. Okay. Okay.\n\nIs there any insurer that would? Okay. Yeah. Yes. Yes.\n\nYes. Okay. Okay. Okay. So they'll just roll it out anyway.\n\nYeah. Okay. Yep. No worries. Yeah.\n\nThat's for mine. Yes. Perfect. Yep. That makes sense.\n\nBrandon's only got their two year benefit period. Yeah. Okay. Yes. Okay.\n\nSo he's also not covered for melanoma either. Yep. Okay. Yeah. But if it's any so only melanomas or what if any other skin cancers or is it is it just sorry.\n\nYes. Yes. Yep. Yep. Yep.\n\nYeah. So he doesn't have any pre pre because he hasn't had actual cancers taken out. Is that just because of his dad's cancers taken out? Okay. Yes.\n\nYeah. Thank you. Yes. Yes. Yes.\n\nYes. Yes. Yes. Yeah. Yes.\n\nYes. Yes. Yes. Yes. What page is this on?\n\nSorry. Oh, yes. In the in the appendix. Sorry. My my long acting's wearing off by now.\n\nOkay. Yes. Oh, that's crazy. Yeah. Yeah.\n\nYeah. Yes. Yes. Yes. Yep.\n\nYep. Yes. Yes. Yes. Yes.\n\nYeah. 100%. Yeah. Yes. Yes.\n\nYes. Perfect. Sounds good. Got it. Perfect.\n\nYep. Yep. Yep. Oh, that makes sense. Yeah.\n\nYeah. That's okay. No worries. Yep. Yep.\n\nPerfect. It says it's 500 and the the recommended one, it says it's 598 for admin? Yeah. Yeah. But investment fee is cheaper.\n\nAnd then it equals itself. Yeah. Yeah. Yeah. Robert.\n\nYes. Yeah. So with with the recommendations that you have been giving with the super and, like, what the outcome will be in the thirty two years, is that with just our work contributions, or is that I'm just looking at the like for like at the moment. Yep. Yep.\n\nOkay. Yes. Yes. Oh, I do. Okay.\n\nPerfect. So I can I can oh, that's awesome? So Yep. Yes. Set you up for your future.\n\nYeah. Exactly. Yeah. Lovely. Yeah.\n\nLovely. And I know the government does also put in like, they don't they put in, like, an extra if I put in this much, they put in that much? Yep. Yeah. Oh, perfect.\n\nYep. Cool. Just making sure. Sorry. Yeah.\n\nYes. Yes. Okay. Oh, that's really strange. Yeah.\n\nYes. Yes. Yes. Yeah. Makes sense.\n\nYes. Yes. That makes sense. Yeah. Yes.\n\nYep. Yep. Yes. Yeah. The room room oh, this is how you get paid.\n\nYeah. Yes. Yes. Yes. Mhmm.\n\nYes. Yes. Mhmm. Yes. Yep.\n\nYes. Yes. Yes. Yes. Yes.\n\nOkay. Yes. Yep. No questions. Did happen.\n\nYep. Yep. Yep. Perfect. Sounds good.\n\nWe're seeing our mortgage broker Thursday. I could do Monday. Oh, sorry. I'm working a light on Monday, but is it will it be okay if it's just me in the morning? Okay.\n\nPerfect. Not a problem. I can do whatever time in the morning. I start I don't start work till one. Yes.\n\nYep. Yep. Yeah. Not a problem. Sounds perfect so much.\n\nThank you so much, and I'm so sorry. It's so late. Not a problem. Thank you so much. You too.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hello?","start":2.1599998,"end":2.56,"sentiment":"neutral","sentiment_score":0.027608931064605713},{"text":"I've got Madison for you.","start":2.56,"end":3.9399998,"sentiment":"neutral","sentiment_score":0.22989482283592225},{"text":"Yep.","start":6.3199997,"end":6.8199997,"sentiment":"neutral","sentiment_score":0.06070920079946518},{"text":"Uh-huh.","start":15.745,"end":16.244999,"sentiment":"neutral","sentiment_score":0.005947060417383909},{"text":"Yep.","start":28.720001,"end":29.220001,"sentiment":"neutral","sentiment_score":0.02243397943675518}],"sentiment":"neutral","sentiment_score":0.14068592065531346,"num_words":9,"start":2.1599998,"end":29.220001},{"sentences":[{"text":"I said 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paid.","start":6054.11,"end":6066.5303,"sentiment":"neutral","sentiment_score":0.12733494490385056}],"sentiment":"neutral","sentiment_score":0.11010648203747612,"num_words":14,"start":6010.16,"end":6066.5303},{"sentences":[{"text":"Yeah.","start":6068.75,"end":6069.165,"sentiment":"neutral","sentiment_score":0.0928540974855423},{"text":"Yes.","start":6074.605,"end":6075.105,"sentiment":"neutral","sentiment_score":0.06939484179019928},{"text":"Yes.","start":6101.635,"end":6102.135,"sentiment":"neutral","sentiment_score":0.16006292402744293},{"text":"Yes.","start":6123.48,"end":6123.795,"sentiment":"neutral","sentiment_score":0.1859959363937378},{"text":"Mhmm.","start":6145.08,"end":6145.58,"sentiment":"neutral","sentiment_score":0.22867345809936523}],"sentiment":"neutral","sentiment_score":0.1473962515592575,"num_words":5,"start":6068.75,"end":6145.58},{"sentences":[{"text":"Yes.","start":6168.94,"end":6169.44,"sentiment":"neutral","sentiment_score":0.21083268523216248},{"text":"Yes.","start":6182.2646,"end":6182.7646,"sentiment":"neutral","sentiment_score":0.22063791751861572},{"text":"Mhmm.","start":6198.4897,"end":6198.9897,"sentiment":"neutral","sentiment_score":0.0857892632484436},{"text":"Yes.","start":6234.725,"end":6235.225,"sentiment":"neutral","sentiment_score":0.1651802361011505},{"text":"Yep.","start":6276.895,"end":6277.395,"sentiment":"neutral","sentiment_score":0.1322833150625229}],"sentiment":"neutral","sentiment_score":0.16294468343257903,"num_words":5,"start":6168.94,"end":6277.395},{"sentences":[{"text":"Yes.","start":6306.125,"end":6306.6,"sentiment":"neutral","sentiment_score":0.009830618277192116},{"text":"Yes.","start":6309.72,"end":6310.22,"sentiment":"neutral","sentiment_score":-0.05717083439230919},{"text":"Yes.","start":6314.04,"end":6314.54,"sentiment":"neutral","sentiment_score":0.05839073657989502},{"text":"Yes.","start":6318.68,"end":6319.18,"sentiment":"neutral","sentiment_score":0.09173966944217682},{"text":"Yes.","start":6332.185,"end":6332.55,"sentiment":"neutral","sentiment_score":0.05633510649204254}],"sentiment":"neutral","sentiment_score":0.031825059279799464,"num_words":5,"start":6306.125,"end":6332.55},{"sentences":[{"text":"Okay.","start":6343.3496,"end":6343.8496,"sentiment":"neutral","sentiment_score":0.04155724123120308},{"text":"Yes.","start":6346.355,"end":6346.855,"sentiment":"neutral","sentiment_score":0.08707411587238312},{"text":"Yep.","start":6353.1553,"end":6353.3154,"sentiment":"neutral","sentiment_score":0.09305232763290404},{"text":"No questions.","start":6353.3154,"end":6354.1353,"sentiment":"neutral","sentiment_score":0.12112990766763687},{"text":"Did happen.","start":6367.64,"end":6368.3804,"sentiment":"neutral","sentiment_score":-0.15202809870243073}],"sentiment":"neutral","sentiment_score":0.022841043238128935,"num_words":7,"start":6343.3496,"end":6368.3804},{"sentences":[{"text":"Yep.","start":6391.45,"end":6391.95,"sentiment":"neutral","sentiment_score":0.053034525364637375},{"text":"Yep.","start":6392.97,"end":6393.47,"sentiment":"neutral","sentiment_score":0.03525668382644653},{"text":"Yep.","start":6406.3853,"end":6406.8853,"sentiment":"neutral","sentiment_score":0.05684312433004379},{"text":"Perfect.","start":6417.4897,"end":6417.9897,"sentiment":"positive","sentiment_score":0.6063691973686218},{"text":"Sounds good.","start":6418.13,"end":6419.03,"sentiment":"positive","sentiment_score":0.6211990416049957}],"sentiment":"neutral","sentiment_score":0.3323169356832902,"num_words":6,"start":6391.45,"end":6419.03},{"sentences":[{"text":"We're seeing our mortgage broker Thursday.","start":6437.665,"end":6440.005,"sentiment":"neutral","sentiment_score":0.03165506788839897},{"text":"I could do Monday.","start":6441.025,"end":6442.725,"sentiment":"neutral","sentiment_score":0.05762660317122936},{"text":"Oh, sorry.","start":6447.63,"end":6449.63,"sentiment":"neutral","sentiment_score":0.039690639823675156},{"text":"I'm working a light on Monday, but is it will it be okay if it's just me in the morning?","start":6449.63,"end":6456.485,"sentiment":"neutral","sentiment_score":0.02224173757713288},{"text":"Okay.","start":6462.8647,"end":6463.1147,"sentiment":"neutral","sentiment_score":0.08793780207633972}],"sentiment":"neutral","sentiment_score":0.031290625857019964,"num_words":33,"start":6437.665,"end":6463.1147},{"sentences":[{"text":"Perfect.","start":6463.1147,"end":6463.6147,"sentiment":"positive","sentiment_score":0.346827894449234},{"text":"Not a problem.","start":6470.56,"end":6471.38,"sentiment":"neutral","sentiment_score":0.16568485895792642},{"text":"I can do whatever time in the morning.","start":6472.08,"end":6473.84,"sentiment":"neutral","sentiment_score":0.1001702044159174},{"text":"I start I don't start work till one.","start":6473.84,"end":6478.1,"sentiment":"neutral","sentiment_score":0.008163983351550996},{"text":"Yes.","start":6495.5747,"end":6496.0747,"sentiment":"neutral","sentiment_score":0.10981376469135284}],"sentiment":"neutral","sentiment_score":0.08668427324543397,"num_words":21,"start":6463.1147,"end":6496.0747},{"sentences":[{"text":"Yep.","start":6498.99,"end":6499.49,"sentiment":"neutral","sentiment_score":0.033305101096630096},{"text":"Yep.","start":6504.91,"end":6505.41,"sentiment":"neutral","sentiment_score":0.006215741392225027},{"text":"Yeah.","start":6511.7104,"end":6512.0303,"sentiment":"neutral","sentiment_score":0.08130586892366409},{"text":"Not a problem.","start":6512.0303,"end":6512.85,"sentiment":"positive","sentiment_score":0.3441728154818217},{"text":"Sounds perfect so much.","start":6521.9253,"end":6523.365,"sentiment":"positive","sentiment_score":0.7678376585245132}],"sentiment":"positive","sentiment_score":0.42246957919560374,"num_words":10,"start":6498.99,"end":6523.365},{"sentences":[{"text":"Thank you so much, and I'm so sorry.","start":6523.365,"end":6525.045,"sentiment":"positive","sentiment_score":0.39810996782034636},{"text":"It's so late.","start":6525.045,"end":6525.865,"sentiment":"neutral","sentiment_score":-0.12292693555355072},{"text":"Not a problem.","start":6539.8003,"end":6540.36,"sentiment":"positive","sentiment_score":0.39726971586545307},{"text":"Thank you so much.","start":6540.36,"end":6541.42,"sentiment":"positive","sentiment_score":0.76775823533535},{"text":"You too.","start":6543.48,"end":6544.04,"sentiment":"neutral","sentiment_score":0.3302880823612213}],"sentiment":"positive","sentiment_score":0.386975859478116,"num_words":20,"start":6523.365,"end":6544.04},{"sentences":[{"text":"Bye.","start":6544.04,"end":6544.54,"sentiment":"neutral","sentiment_score":-0.10718582570552826}],"sentiment":"neutral","sentiment_score":-0.10718582570552826,"num_words":1,"start":6544.04,"end":6544.54}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Caden?\n\nChannel 1: Hello? I've got Madison for you.\n\nChannel 0: Amazing. Can you please do me a favor?\n\nChannel 1: Yep.\n\nChannel 0: Okay. So in the soft file, I've had to update the SOA. So in\n\nChannel 1: Uh-huh.\n\nChannel 0: the soft file, there is a folder called the hold up. Hold up. There is a folder called s zed in Madison, Svanio CEOs folder.\n\nChannel 1: Yep.\n\nChannel 0: There is a in the research working papers s z s o\n\nChannel 1: I said SOA. Yep.\n\nChannel 0: a. Can you please upload go into their go into their OdooSign template.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Can you please upload those two documents for signing and put\n\nChannel 1: Yep.\n\nChannel 0: them at the top?\n\nChannel 1: Yep.\n\nChannel 0: And then put the signatures there and everything and send the whole pack out. I'm just saying that I've had a problem with my portal, which I have. Yeah. I'll stay on yep. That's all good.\n\nI need that. Hold on. Hold\n\nChannel 1: Cool.\n\nChannel 0: on. Fuck's\n\nChannel 1: Just gonna\n\nChannel 0: sakes.\n\nChannel 1: try and replace them now. So\n\nChannel 0: There's\n\nChannel 1: okay.\n\nChannel 0: no replacing. I should have already deleted them out. I just\n\nChannel 1: You\n\nChannel 0: need\n\nChannel 1: deleted\n\nChannel 0: the ones in\n\nChannel 1: the\n\nChannel 0: there.\n\nChannel 1: You deleted the s o a, but not the appendix. I'm deleting the appendix now.\n\nChannel 0: And then please\n\nChannel 1: And\n\nChannel 0: move\n\nChannel 1: it's\n\nChannel 0: them\n\nChannel 1: been\n\nChannel 0: to\n\nChannel 1: over\n\nChannel 0: the top.\n\nChannel 1: to s o a Yep. Sure can.\n\nChannel 0: And make sure it's the s zed s o a ones, please.\n\nChannel 1: Madison Research, working paper, SZSOA, saving advice, and SOA appendix. Lovely.\n\nChannel 0: The SOA appendix is the top one.\n\nChannel 1: Amazing.\n\nChannel 0: Beautiful.\n\nChannel 1: Pull replace. Yep. That should work.\n\nChannel 0: Amazing.\n\nChannel 1: Brilliant.\n\nChannel 0: Please put it on and send it through. I'll start speaking to them now.\n\nChannel 1: Okay. Alright.\n\nChannel 0: Thank\n\nChannel 1: I believe\n\nChannel 0: you. Done.\n\nChannel 1: that updated.\n\nChannel 0: Go. Send\n\nChannel 1: Yep.\n\nChannel 0: just\n\nChannel 1: Yep.\n\nChannel 0: send him\n\nChannel 1: Cool.\n\nChannel 0: through. Thank you.\n\nChannel 1: Alright. Brilliant. Bye.\n\nChannel 0: Hey.\n\nChannel 1: Merge.\n\nChannel 0: Hey then, Madison. How are you?\n\nChannel 1: Good. Sorry. I'm not sure what happened.\n\nChannel 0: That's okay. We've been going back and forth, and then started making funny noises and beep beepiness. I'm not too sure what's going on. It must be my Internet or something's happening, but the exact same person that you just spoke to, Caden, he is all over, and he was actually uploading everything for us as we speak. So\n\nChannel 1: Oh, perfect.\n\nChannel 0: I was just kind of sitting, twiddling my fingers, and just just holding off. So you should receive something fairly soon. Either way, I'm just in the middle of drawing up a email to send\n\nChannel 1: Oh, perfect.\n\nChannel 0: that so that it's at some point, you'll receive one of the one of the two so we can go through the recommendations, and we all can get to dinner and everything else.\n\nChannel 1: Lovely.\n\nChannel 0: Beautiful. I do apologize what's going on. Here I am. You know what? I might have to get in touch with Starlink because it might have something to do with that.\n\nAlright.\n\nChannel 1: That's\n\nChannel 0: I\n\nChannel 1: fine.\n\nChannel 0: must firstly I must firstly apologize for Glenn presenting your recommendations this evening as discussed. Please see attached. Look. I'm just gonna send you just something really quick and easy so that we can get into it. Okay?\n\nChannel 1: Lovely.\n\nChannel 0: Amazing. Alright. There is that. And I also attached the appendix. So at least you've got it via email, and I'll cc Brendan in as well.\n\nAnd appendix. Amazing. Alright. So I've just sent that out via email. So let me know when you have received or sent it to madison_o8@hotmail.com.\n\nChannel 1: Lovely. I checked my junk. Lots of things that end up there.\n\nChannel 0: Yeah. This is so when it comes through for once you kind of move do you you use Hotmail? Obviously, on Gmail, it carries on going to spam or junk until you actually right click and say move to inbox. So it might be the same with Hot Hotmail. I'm not too sure.\n\nMaybe give it a refresh as well.\n\nChannel 1: Nothing just yet.\n\nChannel 0: That's okay. It's a fairly large document. Don't be too intimidated by it. It's, yeah, it's it's about let's see how many pages. I'll open it up in my mind.\n\nAbout sixty days a month. So I pay you more because dual we call you guys dual clients. So we do not only a recommendation for yourself, we have to do one for each of you. So I've done obviously a super recommendation with the inclusion of insurances, but then I can walk you through the insurances, which is the primarily what you're looking for. Right?\n\nChannel 1: Okay. Perfect.\n\nChannel 0: Yep. Let\n\nChannel 1: So\n\nChannel 0: me know\n\nChannel 1: should\n\nChannel 0: when you\n\nChannel 1: I\n\nChannel 0: got\n\nChannel 1: go\n\nChannel 0: it through.\n\nChannel 1: I've got it.\n\nChannel 0: Amazing. Do you get the email? Which email are you looking at? The sign in one or my one?\n\nChannel 1: Your one.\n\nChannel 0: My one. Beautiful. Okay. So the first documents, the twenty twenty six zero eight twenty four statement of advice, Brendan Madison, PDF.\n\nChannel 1: Perfect.\n\nChannel 0: Beautiful. Okay. So if you open that up, you should be looking at let me just make sure that this is the correct one. Alright. So are you looking at the front page, which is\n\nChannel 1: Yes.\n\nChannel 0: the, yeah, amazing Gold Coast and all the bits and pieces?\n\nChannel 1: Perfect.\n\nChannel 0: Perfect. Alright. So this is essentially called a statement of advice. It is a legally binding document, which just pretty much outlines our recommendations in writing. And the main reason why we do all sorts of personalized financial advice by this matter is to make sure that not only you are protected, but we're protected too.\n\nYou know, if we say we recommend this, but I see and well, you say I recommended something and and I say I didn't. It's all just hearsay. So the government decided to formalize it and make sure that when we're giving advice on, you know, clients' literal future and their lives, We do it as compliantly and formally as possible. Okay?\n\nChannel 1: Yes.\n\nChannel 0: So this is this is this document. The it is prepared for yourself as well as Brandon Smith on the August 25. It's prepared by myself, Severiano Zata, and my authorized representative number ASIC in the federal government is 1259315. I am licensed under Oakview Financial as an Australian financial services license. And all of our details, including the AFSL license number under ASIC is right there on the front page.\n\nChannel 1: Mhmm. Perfect.\n\nChannel 0: Beautiful. Alright. So this next page, let's just skip through page by page. So the next page just outlines this document. So this document is exactly what I just discussed.\n\nBut more importantly, best interest duty, it just outlines what our common law judiciary duty is. So that number that I have, the 1259315, when you do all the degrees and the the professional year and you actually get this kind of number given to you or awarded by ASIC and the federal government. We\n\nChannel 1: Yep.\n\nChannel 0: that's not quite as full on as lawyers where they go to the bar and kind of put their hands up and and put their hand on the bible and things like that. But, yeah, it just gives us the authority to give financial advice. But in doing so, we need to make sure that we look after your best interest and nobody else's best interest, including my own. Because if I look after my best interest to get paid or something along those lines or something someone else, next to neighbor, then I will lose that 125 license number, and I'll never be able to practice again. And I'll lose my company.\n\nAnd I like you guys so far, but I don't like you that much. So\n\nChannel 1: Yeah.\n\nChannel 0: I won't be doing anything like that. But it just outlines in writing what the corporations act outlines as best interest standards and what we need to do to satisfy them. Okay?\n\nChannel 1: Yeah.\n\nChannel 0: Beautiful. Now next next page is just table of contents, pretty self explanatory. The page after that is looking at the scope of advice. Now what we've considered and what we haven't considered in regards to your goals and objectives.\n\nChannel 1: Yes.\n\nChannel 0: Okay? So and just keep in mind, if you have any questions along the way or would like to discuss anything, just don't hesitate to reach out. That's kind of, you know, what what what what this whole conversation's about. Okay? It's not one of those things where you hold up till the end.\n\nIf you wanna ask something, just let me know. Okay? Beautiful. Is Brendan there as well?\n\nChannel 1: Yes. He's just bathing the kids. Do you want me to\n\nChannel 0: That that's alright. I'll tell you what. We'll just go through step by step because he is first on the documents. But I can go through your recommendations, and then I can just kind of to walk you through Brendan as well. All the whole document, as you said, you kinda look after this side of the things.\n\nSo entirely up to you.\n\nChannel 1: Yeah. Yeah. You can just walk through it, and then I can explain it. I normally\n\nChannel 0: Yeah.\n\nChannel 1: explain\n\nChannel 0: Beautiful.\n\nChannel 1: it afterwards with the kitchen desk.\n\nChannel 0: Yeah. Yeah. No. That's alright. Alright.\n\nSo I'm looking at your scope of advice. What we're considering is superannuation. The reason why we're including superannuation is because you had insurances within that superannuation. Like I said, I've done a recommendation of an alternate super fund for both of you. You actually get\n\nChannel 1: Yes.\n\nChannel 0: discounts. So it's the same super fund for both because you get a family kind of discounting, made it cheaper than what you currently have within the industry fund and to get better return as well just for your consideration. But we have to address the super because we're addressing the insurances. Okay. They kinda\n\nChannel 1: Yes.\n\nChannel 0: go hand in hand.\n\nChannel 1: Yes.\n\nChannel 0: The main reason for that is because of those goals. You want to ensure that your superannuation arrangements are appropriate, especially over the longer term because you're looking at those insurances and the reasons why we scoped it in, which I just explained. But on the next page is your insurance. Our goals so our priority is to make sure that we and our young family are financially protected if either of us dies become seriously ill or injured, becomes permanently disabled, or unable to work for an extended period of time. We would like to understand the appropriate levels of life and total point of stability, income protection, critical illness cover, which is all of them, taking into consideration our mortgage income and ongoing household expenditure for future needs for our children as well.\n\nDoes that make sense?\n\nChannel 1: Yes.\n\nChannel 0: Is that kind of we're hitting nail on the head? Is that on the money? Or\n\nChannel 1: Yeah. Definitely.\n\nChannel 0: yeah. Beautiful. What I've also put in there is estate planning. I know that you said we're in our discussions that you wanted to have a look at some sort of, you know, will, power of attorney, stuff like that. So I thought I\n\nChannel 1: I\n\nChannel 0: might\n\nChannel 1: can\n\nChannel 0: just put\n\nChannel 1: actually\n\nChannel 0: something.\n\nChannel 1: do that for free with QNMU. I didn't know that.\n\nChannel 0: Okay. Well, we would have referred you over to a lawyer with the with the kids. So definitely\n\nChannel 1: Yep.\n\nChannel 0: so you you've actually saved on doing this through through those guys for free because the people I refer you over to is pretty comprehensive. It's\n\nChannel 1: Yep.\n\nChannel 0: full on. Digly binding document can can get\n\nChannel 1: Yeah.\n\nChannel 0: you know, depending\n\nChannel 1: So\n\nChannel 0: on the complexity, it can get to $10 sometimes. You know?\n\nChannel 1: yeah. So I'm happy to do that with them. Is that okay?\n\nChannel 0: With with your guys, or did you want me to refer over? I'll go with the free version, to be honest.\n\nChannel 1: Yeah. Yeah. That's what I mean. Yeah. Is that okay\n\nChannel 0: Oh, yeah.\n\nChannel 1: if\n\nChannel 0: Absolute.\n\nChannel 1: I do that?\n\nChannel 0: Absolute absolutely it is. Yeah. Yeah. Yeah. So, again,\n\nChannel 1: Take\n\nChannel 0: this\n\nChannel 1: take\n\nChannel 0: is\n\nChannel 1: all\n\nChannel 0: just\n\nChannel 1: the wins you get\n\nChannel 0: just\n\nChannel 1: as a nurse.\n\nChannel 0: yeah. Correct. Absolutely. You do that. You use that to your benefit.\n\nYeah. So, again, this is just these are just recommendations, and I've given some alternatives for it as well, which I'll go through at the end. But this is the you don't have to go ahead with everything. It's it's sectioned out for one, Brandon's Super, two, Your Super, three, Brandon's insurance recommendations, four, your recommendations, four insurances, and it's kinda staged out. So at the end, you can go ahead with with none of it, only the insurances.\n\nAll of it's it's entirely up to you.\n\nChannel 1: Perfect.\n\nChannel 0: Okay? So, yes, absolutely. So I guess I scoped in estate planning because it's whether you get it with somebody we refer over to or somebody else, I'm just recommending that you set up a will and power of attorney, not\n\nChannel 1: A\n\nChannel 0: actually\n\nChannel 1: 100%.\n\nChannel 0: us doing it. You know what\n\nChannel 1: Yep.\n\nChannel 0: I mean? So that's that's the scope of advice just to make sure you're completely protected, especially if we're looking at writing insurances. Right?\n\nChannel 1: Yep.\n\nChannel 0: Scope of advice not considered on page, five. Debt reduction and consolidation. Like you said, you're pretty caught up on the finance owing on the Hilux, Miloxie. You just wanted a bit of advice around reducing the debts and making sure that we can achieve further long, medium, long term goals for your finance, financial needs. I've scoped it out because of the different stages.\n\nAnd, you know, when we last spoke, you said, look. Let's just do the super insurance because it's a complimentary consultation.\n\nChannel 1: Yes.\n\nChannel 0: And you can get this big scary document, essentially, for we draw this up for free. As you can tell, there are a lot of pages, and we draw the stuff up from scratch. We write all this from scratch because we have to tailor it in your best interest, which is in line with you what you what what our\n\nChannel 1: Yes.\n\nChannel 0: discussions were. Okay? So it's kinda like a carpenter building a desk. You know, you pay them for the time that they've done to be able to build a desk as well as the desk. Our desk is this document, pretty much.\n\nChannel 1: Yes.\n\nChannel 0: Yep. So limited advice. This is exactly what I explained before. This is just limiting the advice to what's actually appropriate, which is the super insurance and, again, state planning. But not only that, I'm not a legal practitioner.\n\nI couldn't think of anything worse worse than being a legal practitioner. So when it comes to the drafting of wills, power of attorneys, this can be done through a a a person who's legally qualified to do so. I'm not that person. Well, I'm allowed to recommend to do it. Right?\n\nChannel 1: Yes.\n\nChannel 0: Not only that, I am even though I am I've got all the qualifications to be an accountant. This the last paragraph there is just showing, look, I'm a I'm a qualified tax relevant provider under an AFSL, but I it means that I've met the education and training requirements set up by legislation to provide personalized advice on tax, but I am not registered under the tax practitioners board. Even though I'm qualified to do it all, I can't do tax returns or batch returns because I couldn't think of anything worse than doing that other than being\n\nChannel 1: How\n\nChannel 0: a lawyer.\n\nChannel 1: boring. Yep.\n\nChannel 0: Exactly. You know, there's there's there's not enough money, and quite frankly, it is mind numbing stuff. So so I'm more the investment side of things and just overall strategy. So, yeah, that that's just how I plan. I can give advice on tax, any tax or business, personal, commercial, what you know, whatever it is, especially more importantly ways to mitigate it.\n\nBut\n\nChannel 1: Yes.\n\nChannel 0: I'm not gonna do that tax return for you. Okay?\n\nChannel 1: Yeah.\n\nChannel 0: Beautiful. That just outlines limit of advice. The the next couple pages are just the about you sections. It's just a skim over registered nurse, Brandon's the Brandon's the excavator operator,\n\nChannel 1: Yep.\n\nChannel 0: you know, your your details. Next page up to that's your assets and liabilities. I'm and I'm I'm I'm just going through this to get to the most important parts because I'm conscious of time as well. But your PPR, your assets and liabilities, so your primary place of residence as well as your motor vehicle and the loans involved, current superannuations, insurance held in both of them. Page nine.\n\nNext page after that is your risk protection portfolio. So, Brendan, see, boss, you know, you're looking at 208,000 worth of life cover as well as a $156,000 worth of TPD, no income protection. Yourself, you've got a fairly good policy because of the health benefits, you know, being being the registered nurse here. You're looking\n\nChannel 1: Yes.\n\nChannel 0: at being with KeySuper, $733.72. With that, you've got that covers you for that you pay $733.72 per annum\n\nChannel 1: Yes.\n\nChannel 0: out of your super, but it covers you for life and total permanent disability of $359,323 for each. And\n\nChannel 1: Mhmm.\n\nChannel 0: you've also got income protection that covers you for $6,396 per month. That's before tax because income protection is essentially you know, it's essentially a income stream. So you gotta pay income tax on it when you receive it, but it's 12.75% contribution benefit. So that goes into your that goes into your super. Okay?\n\nThe thing you wanna look at is your waiting period and benefit period. Have you ever looked into that? Or\n\nChannel 1: You had benefit period. You wanted more than bloody two years.\n\nChannel 0: well well, not particularly. It's no. So so when you get a benefit period, I'm more worried about the waiting\n\nChannel 1: No?\n\nChannel 0: period. So you you only get paid a month after the claim has passed this waiting period. So you gotta wait a hundred and twenty days, which is essentially four months before you actually get paid. So how income protection works is if you go I break my femur, no. I break\n\nChannel 1: Yes.\n\nChannel 0: a leg, and I'm off work for three months, let's say. And then after three months, usually, it takes about that time to break a serious, like, leg or something like that.\n\nChannel 1: Yep. Yep.\n\nChannel 0: If you were off work because of injury because of breaking your leg three months and then you go back to work ninety days later, you will not be paid at all\n\nChannel 1: Oh, wow.\n\nChannel 0: because\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: you\n\nChannel 1: Okay.\n\nChannel 0: got yeah. Yeah. Your waiting period is ninety days. Right?\n\nChannel 1: Yep.\n\nChannel 0: So that's important, especially for yourself, especially considering, you know, your the your your income in comparison.\n\nChannel 1: Yes.\n\nChannel 0: Okay? So, you know, my question to you is well, I already asked this, but is the thing to think about is insurances are a necessary evil, and the least amount you you can get covered for to suit your needs, the better because you gotta pay premiums for it. Right?\n\nChannel 1: Yes.\n\nChannel 0: So when you're looking at paying for those premiums, which is that income protection, if you were to claim on it for something as significant as a broken femur, which is about three months, that's the biggest part in your body as you know,\n\nChannel 1: Yes.\n\nChannel 0: You know, will you be paid for that time? The answer is no. So what are you\n\nChannel 1: No.\n\nChannel 0: paying for? K. So that's the one I was looking at. But if you're looking at actually going through and you can't work because of injury illness for, let's say, two years, right, Then you'll\n\nChannel 1: Yes.\n\nChannel 0: be paid on the fourth month. You'll get paid after your nine day waiting period. On the four thirty days after that, you'll get paid for that first month. Right? Because it's\n\nChannel 1: Yes.\n\nChannel 0: in arrears. But then let's just say you don't go back after two years off because of injury or illness. In your line of work, it's it's kind of on the borderline, but I'll say three to five years is kind of more appropriate. But if you weren't able to go back let's say five years because that's my recommendation. If you weren't able to go back to work because of injury or illness after five years, then you probably won't go back to work at all.\n\nRight?\n\nChannel 1: Yes.\n\nChannel 0: It's it's a very likely chance that you would never go back to work because five years is a long time of not being able to return.\n\nChannel 1: Yes.\n\nChannel 0: So, therefore, it sounds like you you've got a very likely case of being totally permanently disabled. Correct?\n\nChannel 1: I get\n\nChannel 0: Yeah.\n\nChannel 1: it. Why must\n\nChannel 0: Yeah.\n\nChannel 1: nobody explained it like that?\n\nChannel 0: I don't know. Because they maybe just wanna kinda take your take your\n\nChannel 1: Money.\n\nChannel 0: money. I'm not so sure. Yeah. Correct.\n\nChannel 1: Oh my gosh.\n\nChannel 0: So\n\nChannel 1: I never even\n\nChannel 0: yeah.\n\nChannel 1: thought of that. I thought you just needed to be covered for the sixty five years until you get your super.\n\nChannel 0: No. So you can actually access Super at age 60. Yeah. So but but you get the concept. So that's that's what that's what that they that's how they kind of work together, and this is what you currently got.\n\nBut my my the next thing we look at is, well, does it suit your needs? Because being underinsured is just as bad as being overinsured. You're\n\nChannel 1: Yes.\n\nChannel 0: underinsured. You're paying all this money for coverage that doesn't really meet your needs. So what's the point in paying for it at all? And just the same on the other side of the scale is if you're over insured, then, you know, you're paying extra premiums for money that you might not claim on. So what's the point?\n\nYou need\n\nChannel 1: Yeah.\n\nChannel 0: to kinda\n\nChannel 1: That's\n\nChannel 0: bring it\n\nChannel 1: right.\n\nChannel 0: down. Right? So if something like that were to occur and you were to go on a TPD claim, then would $359,323 be enough to cover your needs? And from a needs analysis that I'll walk you through in a second, the answer's no. Not even close.\n\nRight? So so that's the the the next kind of life insurance in the same amount. And if you were to claim on that, I'm pretty sure you wouldn't really care that much because\n\nChannel 1: Yeah.\n\nChannel 0: you'd be\n\nChannel 1: Yeah.\n\nChannel 0: dead. Right? So that's kind of how they work together. So that that's just what you got now. In terms of risk profile, you came out as a high growth investor.\n\nYou both of you came out as high growth investors. But more importantly, if you go down to page 12, this is a super recommendation. Let's skip past that because I'll come back to that. So if you can just skip down to page let's go to the crux of it. Page 18.\n\nThis is for\n\nChannel 1: Yep.\n\nChannel 0: Brandon. Did you want me to go to your comparison or start with Brandon's?\n\nChannel 1: I don't mind.\n\nChannel 0: Or let's start with yours because yours is a prettier, fluffier number. So if we go down to page,\n\nChannel 1: Winnie?\n\nChannel 0: as you can tell there there is a lot. No. Page 27.\n\nChannel 1: Oh, 27. Sorry. Yes. I'm there.\n\nChannel 0: Okay. So like I said, it's it's interesting because I recommended a super fund. It's not in a super fund market. It's a retail fund. It's called hub twenty four.\n\nThe only reason there there's hundreds of super funds out there. It doesn't really matter what the super fund is. It will really matters is what the investments are that you can get invested into within the fund itself because that's the thing that's making your money grow. Right?\n\nChannel 1: Yep.\n\nChannel 0: So you what I mean by that is in q super, q super is just super just the trust that's holding the funds and making all the rules. They aren't the thing that actually makes your money grow. What it is is the investment that you are currently invested into, and\n\nChannel 1: Yes.\n\nChannel 0: that is that my super growth. Right? That's that investment option. So you'd see it on your statements. That's yeah.\n\nI can actually probably bring it up, to be fair. I've got I have now yours. Now I've got Brandon's open. The exact investment that you have where are you? There you are.\n\nIs I believe it's my super growth. Here you go. Now you're a 100% high growth.\n\nChannel 1: Yes.\n\nChannel 0: Yep. So you must see when you've rolled into that managed fund, that high growth fund, what\n\nChannel 1: Yes.\n\nChannel 0: is actually quite interesting is it's actually not a high growth fund. It's actually a growth fund, which\n\nChannel 1: Okay.\n\nChannel 0: is about 85% invested into the market. High growth funds are 90 to 95 90 to 98% in this sense of market, but that's a little bit more technicality. If we're looking at this table, this is the current this is the breakdown of the fees, contributions, insurance premiums, as well as total costs, and what the I did I did a five year rolling average. The reason why I did a five year rolling average is because one, it's the lowest figure for us so that I can try and do use a lower amount to try and exceed your kind of the outcome rather than give you a big fluffy number now, probably not quite reach it. And I think five\n\nChannel 1: Yes.\n\nChannel 0: years is a pretty good time horizon if you're looking at an average every year. K?\n\nChannel 1: Yeah.\n\nChannel 0: So if I were to look at your q super, you got a $108,590 in there. The administration fees per annum is a $188,\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: right, per annum, But the investment fee for that high growth investment with the amount of funds you have in there is $608 a year. And we call this an ICR, an indirect cost ratio. Whenever you think of acronyms in finance, just think fees. I don't\n\nChannel 1: Okay.\n\nChannel 0: know if it was some some bankers or something back in the eighties. They must have just said, well, you know, clients are switching on to fees being fees, so let's try and hide them in weird convoluted ways so we can still charge fees and hide them. So when you when you see ICR or MER, which is management expense ratio, those, at the end of the day, are all fees. So for the q super product itself platform to be invested in that super fund, it costs you a $188, but that high growth investment option, there's manage fund managers behind that as well that get that get wanna get paid.\n\nChannel 1: Yes.\n\nChannel 0: Does that does that make sense?\n\nChannel 1: Yes.\n\nChannel 0: Yep. So that's $608 a year for your balance. The reason why I'm recommending hub twenty four is because it's essentially is $87 cheaper or oh, 87. That's not $87. It's a lot more than $87.\n\nChannel 1: A 100\n\nChannel 0: I don't\n\nChannel 1: and\n\nChannel 0: know\n\nChannel 1: 80\n\nChannel 0: why. Yeah. I don't know.\n\nChannel 1: Something.\n\nChannel 0: It should be yeah. Yeah. It should be.\n\nChannel 1: Something\n\nChannel 0: I'm missing\n\nChannel 1: like\n\nChannel 0: a one\n\nChannel 1: that.\n\nChannel 0: there. I'm missing a one. Oh, no.\n\nChannel 1: Yeah.\n\nChannel 0: So we're we're yeah. We've got to type those numbers into the actual document, but all the calculations was put through a calculator. So they definitely so the calculations are correct, but let's just work that out. 608608Minus 411. Yeah.\n\nIt's actually 197. I'm not too sure why it's retired '87 in there, but it's a 190. It even makes it better, but it's a 100 and was that a 190? Yeah. Those calculations are really strange.\n\nSo but it's a $197 cheaper in investment fees, which is\n\nChannel 1: Yes.\n\nChannel 0: crazy for an investment cost.\n\nChannel 1: Might be a bit\n\nChannel 0: Let\n\nChannel 1: hot.\n\nChannel 0: me just let me just double I'm gonna I'm gonna double check that and send that out again. But either way, you yeah. It's it's for hub twenty four, it's significantly cheaper. Looks like the kind of line just shifted over weirdly enough, but it's\n\nChannel 1: With\n\nChannel 0: significantly\n\nChannel 1: the admin\n\nChannel 0: cheaper for\n\nChannel 1: fees, why does\n\nChannel 0: yep.\n\nChannel 1: it say minus four\n\nChannel 0: Yikes.\n\nChannel 1: 110?\n\nChannel 0: Exactly. That's why I'm looking at going, hold on. What's going on? Because so when we do the when we do the calculations, we use a program called xPlan or Iris xPlan, as well as Chartwest to actually dive kind of deep deep dive into the funds themselves.\n\nChannel 1: Okay. Perfect.\n\nChannel 0: Okay. Were you were you listening? Sorry. So so when we look at in searching these the the figures into these tables,\n\nChannel 1: Yep.\n\nChannel 0: we use an we use a third party software called Iris xPlan as well as\n\nChannel 1: Okay.\n\nChannel 0: Chartwest. It's kinda like a Bloomberg. Have you ever heard of Bloomberg?\n\nChannel 1: No.\n\nChannel 0: Okay. So it's it's just means that we can actually plug in the information and pull the data from a fee perspective as well as returns perspective from a different software so that we can insert it in and then compare the two. Okay?\n\nChannel 1: Yes. Okay.\n\nChannel 0: So and I've actually bringing it up now. So let's just make sure that that that is correct because I don't I don't like that at all. And that is entirely my fault. I do apologize.\n\nChannel 1: It's okay.\n\nChannel 0: I've got the figures here, and you know what? That is my bad. I must have pulled it from the wrong side or something because to give you an idea, the QSuper fees are correct, but that 20 fours I don't know what happened. The 410 so the difference in fees\n\nChannel 1: Yes.\n\nChannel 0: I know what happened. Let me let me send you through I can send you through an email. But just to give you an idea, the admin fee for Hub twenty four is more expensive. So it's $598 a year because it's a much more comprehensive fund. You can invest all the way down to direct shares and equities, and there's thousands of different investments.\n\nYou can invest in, yeah, international direct shares as well. So it means you got a larger array of investment options,\n\nChannel 1: Yes.\n\nChannel 0: but the\n\nChannel 1: Yes.\n\nChannel 0: investment fee, looking at your platform, is a $197 a year instead of 608. So that means\n\nChannel 1: Uh-huh.\n\nChannel 0: so the to to answer your question, that negative four ten is the difference in administration fee of q super versus hub 24. So it's $410 more expensive a year for hub 24 in an administration cost, but\n\nChannel 1: Yes.\n\nChannel 0: the investment portfolio that I've created for you, which is on the next couple of pages, is a $197 a year. So that's $411 cheaper per year. So you're saving a dollar every\n\nChannel 1: Okay.\n\nChannel 0: year for for a essentially, a product that is giving you a 11.55% return, being able to invest in way more investments compared to a 8.77% return per annum. But I'd like to point out what is more important, especially in your case, is, again, those figures because the table shifted over. Your insurance premiums that I'm recommending between seven because you're currently paying essentially $734 a year or $733.72 a year for your\n\nChannel 1: Yes.\n\nChannel 0: insurances out of your super. The recommendation for your insurance premiums, if we go down a little bit and if you skip to page I'll go to your insurance, and I'll show you how we calculated it as well. It's it's pretty up there for both of you. So if you wanna skip to page 43,\n\nChannel 1: 43.\n\nChannel 0: your yeah. Your insurances the the cheapest product I could find was with a product called ClearView. Have you ever heard of ClearView?\n\nChannel 1: No.\n\nChannel 0: Okay. So there's there's different insurers out there. We only in we only recommend investment grade products for investments, which is a if you wanna get technical, triple a, and or a and above. But when it comes to insurance companies, we only have a select a selected number of insurers on our approved product list called ABL. And the reason for that is because if we're recommending insurance cover for for clients, we wanna make sure that it's with the company that's got enough money to pay you and not going bust anytime soon.\n\nRight?\n\nChannel 1: Yeah.\n\nChannel 0: Which is very important. So on our approved product list, we've got, you know, big big insurance companies such as TAL, Clearview, OnePath, which is Zurich. Have you ever seen Zurich, the big blue Zurich in capital n letters? Or you probably would have been in the health industry now. Have you ever met life?\n\nAnyone any of those guys or\n\nChannel 1: No. No.\n\nChannel 0: been in the occupation you're in? No. That's okay. So ClearView is it's probably the biggest insurance company in Australia. They're the one that's closest, t a l, tal, t a l, the capital three green letters.\n\nThe this Australian Life stands for. But, yeah, they they're massive, massive companies, and Clearview actually ended up not being the most comprehensive in terms of racing, but the cheapest for you. Now it is a\n\nChannel 1: Okay.\n\nChannel 0: lot when I say when I say cheap, it's a lot more expensive than what you're paying now, and the reason for that is because we're recommending a lot more cover. Okay? We're recommending $1,500,000 worth of life cover\n\nChannel 1: Yeah.\n\nChannel 0: and\n\nChannel 1: Yeah.\n\nChannel 0: the same for TPD that's linked. But if you look at your income protection, it's $6,417 per month, and I'm gonna cover you all the way up to age 65.\n\nChannel 1: Yes. Yes.\n\nChannel 0: So if you were to claim on this and you weren't able to return back to work for any any reason because of injury and illness, then this will carry on paying you all the way up to age 65. But more importantly, the waiting period is thirty days.\n\nChannel 1: Yes.\n\nChannel 0: So same scenario, broken leg, you off work for three months, two months, other three months, you'll get paid 70% of your income, which is that $6,417 a month.\n\nChannel 1: Yeah.\n\nChannel 0: Okay?\n\nChannel 1: Passage.\n\nChannel 0: Okay. Now the next question is you're looking at a big number, 1,500,000, because the overall premium that will be charged out of your super fund is $3,710.71 per annum.\n\nChannel 1: Yes.\n\nChannel 0: K? And every year that you get older, that increases because you get riskier to an insurance company. So it does get more expensive. For that reason, I've also done a a recommendation of trauma, which\n\nChannel 1: Yep.\n\nChannel 0: you pay out of pocket. This covers child trauma. So that's just I did a one year's worth of income to a 110,000. And it's linked life because it actually, funnily enough, makes it cheaper to get an extra $110,000 worth of life cover in your personal name and link on trauma as a link benefit. It made\n\nChannel 1: Mhmm.\n\nChannel 0: it made it $22 a month, something to consider. But what I really wanted to kinda show you is if you go down on this recommendation on page 47, I wanna show you how we calculated those numbers.\n\nChannel 1: Yes.\n\nChannel 0: Okay. So have you can you see that needs analysis table?\n\nChannel 1: Yes.\n\nChannel 0: Cool. So, again, shout out if you have any questions. But looking at this table you're looking at, let's go with life cover. So life, if you were to pass away, I'd assume you want the mortgage paid off and debts.\n\nChannel 1: Oh, yes.\n\nChannel 0: Right?\n\nChannel 1: Yep.\n\nChannel 0: Perfect. So that's at 547,000. After that, there's funeral expenditure, which is $20,000.\n\nChannel 1: Yeah.\n\nChannel 0: We put in there for funeral expenditure. Obviously, it's not included in TPD because if you were totally permanently disabled, you're not dead, and you won't need a funeral.\n\nChannel 1: Yeah.\n\nChannel 0: Okay? So that's that's the reason why it's not in there. But then there's a cost of living replacement of income. So we do this by either five years, seven and a half years, or ten years depending on how many dependents you have. And\n\nChannel 1: Yeah.\n\nChannel 0: you've got the maximum dependents and for their age, your age and stage, we do it by ten years of replacement of income. And the reason for that is because there's about five three to five years worth of what we call grief payment. So, essentially, if you're not there physically, then at least you're there financially, whether you be TPD'd or you pass away for Brendan for\n\nChannel 1: Yes.\n\nChannel 0: ten years. So it gives him the opportunity to, you know, take a morning period of whatever however long that takes to, you know, take some time of working, not have to worry about the bills, have no mortgage, and still not and still look after the family and the kids, right, if you weren't\n\nChannel 1: Yep.\n\nChannel 0: there. Does that make sense? Or\n\nChannel 1: Yeah. That makes some complete sense. Yep.\n\nChannel 0: yeah. And then even if it's five years with morning period, the extra five years, there's an opportunity to still look after the kids, do everything that, you know, he he needs to do. But if he doesn't wanna continue in the line of work or career he's in, then he can go to university or, you know, start an operation, and buy his own excavator and write his own start his own business or whatever it might be. It gives him options. So, again,\n\nChannel 1: Yep.\n\nChannel 0: if you're not there physically, you can be there financially still as if nothing were changed. Does that make sense?\n\nChannel 1: For the ten years.\n\nChannel 0: For ten years. Correct.\n\nChannel 1: Yeah.\n\nChannel 0: Okay? And, again, we do it for ten years. I can do a calculation all the way up to the age of 60 when he reaches a time to actually access super. But that\n\nChannel 1: I think\n\nChannel 0: means\n\nChannel 1: that\n\nChannel 0: that\n\nChannel 1: sounds\n\nChannel 0: your\n\nChannel 1: about right.\n\nChannel 0: yeah. But that that means that your lump sum benefit, the insurance short amount that you need is gonna be upwards of $5,000,000, and the premium on that's, like, $10,000 a year, if if not more. So, again, it's about balancing this what you're paying versus what you can get. Because if you don't claim and none of this happens, then you've just paid $10,000 plus a year for something you don't or nothing.\n\nChannel 1: Yes. That's right. Yep.\n\nChannel 0: Okay? So it's really important to try and balance the it's a very much balancing act to make sure that you cover enough. Right? Then what we do is we actually we wanna try and get the cover amount of sum insured as low as possible. So what we do is we take off your superannuation, which is a $108,590 at the moment.\n\nBecause if you were to pass away or get TPD, your super is gonna get paid out to your beneficiary or yourself if you TPD. Right? So if you've already got a $108,000 in there, then why do you need to pay premiums on it? Because you can reduce that from the amount that you need to be insured by. Right?\n\nBecause that's an asset.\n\nChannel 1: Yes. Yes.\n\nChannel 0: Does that make sense?\n\nChannel 1: Yes.\n\nChannel 0: Yeah. Beautiful. So that means that your life insurance, the amount you need right now, so you're essentially, what your life's worth is more but as it sounds, is $1,558,410. That is what your life is worth. Okay?\n\nSo your TPD is\n\nChannel 1: Perfect.\n\nChannel 0: obviously the same number minus $20,000 because you that's the funeral expenditure.\n\nChannel 1: Sure.\n\nChannel 0: Income protection is 70% at most in Australia for of your income, which is at $6,417 a month. And then you look at trauma. Trauma cover, I just I just did one year worth of cost of replacement of living. This, you've got to pay out of your back pocket, which is, again, you know, we'll skip back up again. But that covers things like the three the three big ones.\n\nThe big three are cancer, cardiovascular disease, or heart attacks is a big one, as well as strokes or TIA's, things like that.\n\nChannel 1: Yes.\n\nChannel 0: So that's usually, I like to go with just everything paid out of the as superannuation so it doesn't affect your cash flow, especially for\n\nChannel 1: Yep.\n\nChannel 0: a young, struggling family. But it's definitely something that you should consider because it's one of the highest claimed upon after income protection. Because we're in Australia. You know? Accounts is a big thing.\n\nChannel 1: Yep. Specialty and finals Queensland.\n\nChannel 0: Exactly. So it's definitely something that you wanna consider. I want I did that recommendation in there so that you can at least, you know, get an idea of what it looks like and what the cost would be. Okay?\n\nChannel 1: Yep.\n\nChannel 0: So does that make sense about how we calculate these numbers? We don't just pull them out of the mail. We actually work out what you need.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Any questions?\n\nChannel 1: Yes. So if we were to buy more property, would we revise\n\nChannel 0: Great question. Yes. We\n\nChannel 1: this?\n\nChannel 0: revise this every twelve months because\n\nChannel 1: Yeah.\n\nChannel 0: every twelve months, you your super's grown. Your asset your asset worth net pool has kinda grown in value, and you paid your mortgages down. Right? So\n\nChannel 1: Yes.\n\nChannel 0: the whole point is to be self insured. Because if you had $1,500,000 in cash with your current situation, then you wouldn't need to pay some other bloke a premium every year, 3,000, $4,000 a year to cover your needs because you'd be able to cover them yourself. That's the ultimate outcome. That's what we wanna get to. But because\n\nChannel 1: Perfect.\n\nChannel 0: you can't cover it yourself, we cover this. But to answer your question, I don't\n\nChannel 1: No.\n\nChannel 0: add on any investment properties or any investment debt. And the reason for that is because this is worst case scenario.\n\nChannel 1: Yeah. And we can sell them off.\n\nChannel 0: Exactly.\n\nChannel 1: If\n\nChannel 0: So\n\nChannel 1: we're\n\nChannel 0: if you\n\nChannel 1: we're\n\nChannel 0: if you're\n\nChannel 1: yeah.\n\nChannel 0: if you're in\n\nChannel 1: Again,\n\nChannel 0: a position\n\nChannel 1: that makes\n\nChannel 0: to have yeah. If you're in a position that's exactly right. If you're in a position to have a benefit of having an investment property as well as your own, then if the worst were to happen, you can just sell the the your partner, you know, widower, if you would, could just sell the investment property and be left with some equity.\n\nChannel 1: Yes.\n\nChannel 0: Or if you're in a fortunate enough position, have multiple investment properties that are actually bringing you positive gearing, and then you, you know, you essentially have after all the rents, rates, fees, all the the deductions and everything, every year, you can have an investment portfolio of properties that brings in income of $6,417 a month. Because then you don't need to pay for an income protection because you can cover it yourself.\n\nChannel 1: That's the plan.\n\nChannel 0: That's the plan. That's the goal. That's the overall goal. That's that's that's what we wanna get to. Right?\n\nSo, no, we don't increase it. We do review your insurances comprehensively every twelve months because I'm not a fan of insurance. It's a necessary evil. That's why I wanted to give you a recommendation on your superannuation as well. Because if we're increasing the amount of cover you need and therefore the the price you're paying for it, then we wanna make sure that's not easy to wait your superannuation so that you don't end up if you don't, the worst thing that can happen essentially is you pay all these premiums for this cover, but you don't get enough return or contributions to get to the end of, you know, your working life, let's say, age 60 to retire because you can access super then, and you're left with no super, and you haven't made an insurance claim because you've spent it all in premiums, and nothing's happened to you.\n\nBecause then you're left with nothing and no refund policy.\n\nChannel 1: Mhmm. Yes.\n\nChannel 0: Yeah.\n\nChannel 1: That makes sense.\n\nChannel 0: You know what I mean? So it's really important to balance that out. And like I like I said before, we review this really, really thoroughly every 12 months.\n\nChannel 1: Yes.\n\nChannel 0: And if you just just so you're aware, if you go down a little bit from the the next so we outline why this is in your best interest and what needs analysis looks like for yourself on page 47. 48, count it continues and why we're looking at what we're looking at. If we go on to your outcomes, the every strategy's got the what we're doing, why it's in your best interest, how we've calculated it, the outcomes, which includes advantages and disadvantages, as you\n\nChannel 1: Yes.\n\nChannel 0: can see on page 49. And there there's a lot of them. And the risks included in all of this example, maybe you don't claim, and then you don't get a refund of all the insurance premiums. You know? There's we take all that into consideration.\n\nAnd then if you go all the way down to page, you know, page 53, those are some alternatives we considered as well. So every strategy including super and Brandon's insurance recommendations has all of these. So I'll let you read in your own time, but this is just from a compliance point of view. We have to put these in in writing so that you can understand why we recommended what we recommended. Okay?\n\nChannel 1: Yes. Nothing.\n\nChannel 0: K. So that's your insurance recommendations to cover your needs. Now if we go back up to page page 44 oh, sorry. 43, we can look at what we're recommending and why we recommend now it gives you an understanding of why we need to recommend that amount of cover for what we're recommending.\n\nChannel 1: Yes.\n\nChannel 0: Does that all kind of and you see how it all works together?\n\nChannel 1: Yes. Yes.\n\nChannel 0: So this is where I wanted to bring up the benefit period of your income protection and your total permanent disability. So remember you said you no one explained how it works? We are recommending I can drop it down to about five year benefit, but I'm recommending age 65 because if you weren't able to work because of injury or illness for more than, say, five years, then you're probably never gonna go back to work again. Correct?\n\nChannel 1: Correct.\n\nChannel 0: So at five years, we can well, even less than that. If it's if it's a severe case, then what we'll do is we'll not only do an income protection claim, we can also do an a TPD claim. And what will happen is we would get paid you would get a continuous income all the way up to age 65 of 70% of your income, which is $6,417 every month all the way up. But not only that, you'd also get $1,500,000 paid out in in a total permanent disability claim, which means the mortgage is gone, and you still\n\nChannel 1: Yes.\n\nChannel 0: have about, you know, somewhere around a million dollars left to go to funder to be able to facilitate the premium period if, you know, Rennon didn't wanna work or you wanted to build up some investments so that you can be in a position to continue on a your your lifestyle, especially if you if you can't go back to work or injury illness or you, you know, paralyzed, something along those lines. Usually, when we do insurance policy claims, it's pretty severe, especially in the TPD realm. I can tell you some horror stories, but I don't think we have time because you you've got kids too.\n\nChannel 1: Yep. Yep.\n\nChannel 0: The the the next page, just to just to touch on the Clearview trauma policy, see it's life cover with trauma and linked. So it's a life policy for a 110,000, one year worth of income, gross, but I've linked on trauma. And the series is a standalone versus linked. Can you see that on page 44?\n\nChannel 1: Yes.\n\nChannel 0: Yep. So that means that your trauma policy is linked to your life cover. And, essentially, what that means is the reason why we do that is because it makes it cheaper.\n\nChannel 1: Yeah. That's that's\n\nChannel 0: Some\n\nChannel 1: very cheap. That's, like,\n\nChannel 0: yes.\n\nChannel 1: four\n\nChannel 0: Right.\n\nChannel 1: coffees.\n\nChannel 0: Yeah. Correct. Exactly. A month. Yeah.\n\n$22.04. But you the thing is you gotta pay for it out of your back pocket because of the ownership of the cover. You\n\nChannel 1: Yeah.\n\nChannel 0: know? The the the the technically, the life and total permanent disability and income protection, if we cover it and get it pay and we get it paid by super, technically, the policy owner is the super fund trustee. You're\n\nChannel 1: Yes.\n\nChannel 0: the life insured.\n\nChannel 1: Yeah.\n\nChannel 0: So if you have a heart attack and you get a lump sum payout because it's post tax, you gotta own it yourself. So that's the only reason why it's paid out of super. Okay?\n\nChannel 1: Yeah.\n\nChannel 0: And\n\nChannel 1: Perfect.\n\nChannel 0: more what's what's what's interesting as well is we actually got your cover even though you need to be covered for a little bit more than 1.5 mil, we dropped down to 1.5 mil because you get a discount. So at 500,000, 750,000, 1,000,000, and 1,500,000\n\nChannel 1: Action.\n\nChannel 0: and 2,000,000, you get a discount on the premium. So what I mean by that is yes. We but if what I mean by that is, let's just say you need cover for 1,390,000. Right? More\n\nChannel 1: Yes.\n\nChannel 0: often than not, if you look at doing the exact same quote and you bump that life and TPD cover up to 1,500,000, you\n\nChannel 1: It's\n\nChannel 0: actually\n\nChannel 1: the same.\n\nChannel 0: have a cheaper no. Yeah. Well, you get a cheaper premium sometimes. Yeah.\n\nChannel 1: Oh, wow. That's crazy.\n\nChannel 0: Yeah. So you get it's just like a incentive to kind of get more cover and just part to be competitive. Somebody somewhere along the way, an insurance company did it. But ever all insurance companies do it now. You find the most benefit close to a million.\n\nSo if you need to be covered for 922,000, I think it is, is round about the average point. It's actually the same amount of premium that you gotta pay every year for a million dollars worth of cover. So you must okay. Couple for the extra $80. Alright?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yeah. So that's just a little bit of insight. But, again, it is expensive. It's gonna be $3,710.71 per annum. And,\n\nChannel 1: Yep.\n\nChannel 0: again, we try and and it increases it over time.\n\nChannel 1: Yep.\n\nChannel 0: Every year as the policy comes to renewal because you get a year old and it gets you get more risky. So what we\n\nChannel 1: Yep.\n\nChannel 0: do is we try and reduce the sum insured to in line with your needs to reduce that premium down to keep it around about the same every year.\n\nChannel 1: Okay.\n\nChannel 0: K. Do you have any questions, concerns, or anything before I move back to Brendan's? Or\n\nChannel 1: Just about the benefit period with mine.\n\nChannel 0: yep. Yep.\n\nChannel 1: I thought that you said it would be good to do it only for the five years because if it if it went over the five years, it would be TPD.\n\nChannel 0: Absolutely. So I'm glad you brought that up because I can definitely do quotes for two years, five years, age two age 60, and two age 65. So this is this is where it goes. This is where it comes back to what it means in your superannuation because your super is paying for it.\n\nChannel 1: Yes.\n\nChannel 0: K? So what it looks like is to get the full beans, the full comprehensive cover, all the way up to age 65 with no mortgage and extra cover for the TPD if that were to occur, then, yeah, absolutely, it can be five years. But if you get a TPD payout and pay your mortgage off, it would be beneficial to have, you know, ongoing monthly revenue or income all the way up to 65 when the reason why we put it to 65 is what we call the full beans is because that's when you start accessing your government pension. So you essentially have income every month coming in and then to a point where you can get fortnightly Social Security benefits as well. So that's that's what the cover is for.\n\nThe reason why I wanted to give you the total amount all the way up to age 65 is because of your, again, superannuation. So if you wanna go to page page 27 for me. Let's go back to that fee comparison table. I wanna show you the benefits of having all the cover. But to drop it to five years, that's gonna reduce the premium down to the $2.5 kind of region.\n\nSo I'll\n\nChannel 1: In\n\nChannel 0: make it cheaper.\n\nChannel 1: sorry. What page?\n\nChannel 0: Oh, sorry. Page 27.\n\nChannel 1: Yep. Page 27 and\n\nChannel 0: Mhmm. So this is the fee comparison between your q super and hub 24. We went through that\n\nChannel 1: Yeah.\n\nChannel 0: before,\n\nChannel 1: Yeah.\n\nChannel 0: obviously. But what I'm trying to do is if you go to the next page. This is what the I did a five year benefit. Oh, sorry.\n\nChannel 1: Oh,\n\nChannel 0: A five\n\nChannel 1: I\n\nChannel 0: year\n\nChannel 1: see.\n\nChannel 0: outcome. Okay. So\n\nChannel 1: Yeah.\n\nChannel 0: five year outcome, and then I did to age 60, when you can access super, and you indicated by that age you wanted to retire on that, I believe, a thousand dollars a month. Oh, sorry. A thousand dollars a week with no debt. Do you remember that conversation?\n\nChannel 1: No. Sorry. I'm I'm a bit confused.\n\nChannel 0: No. That's okay. So when we when we had our initial consultation, you\n\nChannel 1: Yep.\n\nChannel 0: one of the one of the questions that I I asked was when you get to retirement and you both decide to hang up your boots, what does that look like? What when do you wanna retire? And on how much per week if you had no mortgage, no debts, what what would that look like? And we kinda came to the number of $1,000 a week or $52,000 a year. So a thousand dollars a week to be able to it's about three overseas holidays a year.\n\nThe kids have moved out. That's what we kind of determined would be a suitable income per week to be able to live on. Right? Do you remember that? Or\n\nChannel 1: Sort of. But a thousand\n\nChannel 0: Sort\n\nChannel 1: dollars\n\nChannel 0: of.\n\nChannel 1: a\n\nChannel 0: Okay.\n\nChannel 1: week, is\n\nChannel 0: Just\n\nChannel 1: this\n\nChannel 0: for yourself and Brandon?\n\nChannel 1: just for\n\nChannel 0: Just\n\nChannel 1: me?\n\nChannel 0: well, I did it for both of you, but you both combined with these projections, you actually exceeded you get you get a thousand for each of you. But, yeah, I did I wanted to work towards the number of a thousand dollars per week and have a certain balance to be able to achieve that on a certain return. Because if you add a 1,000,000 to so the numbers I was working with was with everything included, can we guess your superannuations to a position where you can essentially with cover of insurance the whole way through to cover your needs and hopefully, eventually, bring it reduce it down to nothing. But to cover your needs where we can have a balance of $4,000 a week to live on to be fully financially free. If you have a thousand dollars a week, there's fifty two weeks in a year.\n\nThat's $52,000 in a year. So the number if you were to get a 5% return on a balance of $1,040,000, that would be $52,000 in a year. Right? And I use 5% because that's a little bit over cash after inflation and fees and whatever. Very achievable.\n\nRight? So if you had $1,040,000 in your super balance, by the time we get there, and hopefully by then, no debts, So you cancel your insurances. You don't need them anymore. But if you had $1,040,000 and it grew by 5% in one year, net of fees, net of everything, then you would have 50 you would have 52 it'll grow by $52,000. You pull that out, withdraw it from super tax free to be able to live on, you'd be you'd be left after a year with the same balance that you started with.\n\nSo, essentially, you're living on interest. That is that is full financial freedom. That's the number I was working with. With.\n\nChannel 1: Oh my god. That's that's just mind blowing me. I'm just very confused at what what we're\n\nChannel 0: Okay.\n\nChannel 1: talking\n\nChannel 0: Okay.\n\nChannel 1: about. Sorry.\n\nChannel 0: Alright. Sorry. We're talking so we were talking about insurances, but\n\nChannel 1: Yes.\n\nChannel 0: now I'm talking about the financial planning perspective of\n\nChannel 1: Okay.\n\nChannel 0: trying to get you to what you need to retire on with including these increase of insurances.\n\nChannel 1: Yes.\n\nChannel 0: Because the insurances that we're increasing and buy to to suit your needs is very expensive. It's it's comprehensive cover, and because it's covering you for significantly more, you pay more premiums.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: So if so if you're covered for that extra cover and therefore higher premiums per annum, then are we going to be in a position where you'd still be able to retire on what you would like to retire on?\n\nChannel 1: Yep. Yes.\n\nChannel 0: Does that make sense? Or\n\nChannel 1: Yes. So, like, if we're paying the insurances, we\n\nChannel 0: Mhmm.\n\nChannel 1: wanna make\n\nChannel 0: Yep.\n\nChannel 1: sure we'll still have enough money in super as\n\nChannel 0: Exactly.\n\nChannel 1: well. Yeah.\n\nChannel 0: Exactly.\n\nChannel 1: And\n\nChannel 0: And\n\nChannel 1: and\n\nChannel 0: then\n\nChannel 1: so you you're saying we could retire\n\nChannel 0: well\n\nChannel 1: early and just leave off out?\n\nChannel 0: well, no. Because\n\nChannel 1: Yep.\n\nChannel 0: if you see the second line, it says lump sum by age 60. So thirty two years. You see that\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: number? So that is the number I'm looking at because you can't this has only got to do with superannuation and insurances that'll be paid from superannuation. So when I'm looking at covering you for insurances, but getting your super to pay for it, I wanna know the effects of what your suit that looks like for your superannuation. So if you got if you left everything as is with q super, but have cover that you're paying since you're on page 27, you're paying $734 a year for that current insurance. That's your current situation.\n\nRight? Can you see that?\n\nChannel 1: Yep. Alright. Sorry. I just got it just went out of it. So I'm on page 27 and I'm paying, yes, 730\n\nChannel 0: That's\n\nChannel 1: 4.\n\nChannel 0: $34. Correct. Okay?\n\nChannel 1: Yeah.\n\nChannel 0: And that's that's the fees that you're paying for the super fund itself, and that's the growth that you've achieved in that high growth investments over the last five years. So from from the July 31, go back five years, and you look at the overall return and then you average it up per annum, you've essentially got a return of 8.77% every year per annum.\n\nChannel 1: Yes.\n\nChannel 0: So if we look at that outcome with the cover that you're under insured by, as we did worked out by your needs analysis, if you carried on ticking along, if something were to happen, then you wouldn't you're not insured for enough to actually cover your needs. So that's the\n\nChannel 1: Okay.\n\nChannel 0: first thing we identified. Next, we go, alright. Well, if you were to continue, just leave everything as is. And after I did a five year comparison because well, five year projection because I'm doing a five year rolling average, so five years back, what does it look like in another five years based on those numbers? And what the effects of higher insurance premiums would look like based on our recommendation.\n\nBut\n\nChannel 1: Yes.\n\nChannel 0: then not only that, you can only access super by age 60. You can't you can't access it sooner. Right?\n\nChannel 1: No. That's\n\nChannel 0: So by age 60, what does it\n\nChannel 1: right.\n\nChannel 0: look\n\nChannel 1: Yeah.\n\nChannel 0: like if you were to leave everything as is? So when you get there with your current insurance, you would end up with $1,516,113 based on\n\nChannel 1: Yes.\n\nChannel 0: those numbers, net of fees. That's the that was that's what your super balance would be. Right? And that that's more, essentially, than the 1,040,000 that we wanted to try and get to. So does that kind of does that give you an idea of what I was trying to explain before, or does that make sense?\n\nChannel 1: Yeah. That makes more sense. Sorry.\n\nChannel 0: No. That's okay. That's alright. That's that's that's the point of this conversation. So, essentially, if we use the same logic on, let's say, a 5% return net because we wanna reduce risk as much as possible when you get to retirement.\n\nBecause if our GFC two point o hits, then I don't want you to be invested in any shares. I only want you to be invested in bonds,\n\nChannel 1: Yes.\n\nChannel 0: you know, really safe, safer assets. So if you're looking at the same logic, a 5% return on $1,516,113 times that five a 5% return, that's essentially $75,805.65 in a year. So you can have an income of $75,800 per annum, like, as if you were working, but you're retired. And you can you can have that you can pull that out of super tax free and after every year on a 5% return and still be left with the exact same 1,516,113.\n\nChannel 1: Wow. Yeah. Okay.\n\nChannel 0: Yeah. Does that make sense? So you're living on interest. That that's free money.\n\nChannel 1: Will that be enough, though, in that sixty five years, like, because there's, like, inflation? Would 70\n\nChannel 0: I'm\n\nChannel 1: five\n\nChannel 0: glad. That is that is a great question. I can't you nailed that one. And the answer is, yes.\n\nChannel 1: No.\n\nChannel 0: We do take inflate no. The answer is yes. So we do take\n\nChannel 1: Okay.\n\nChannel 0: inflation to account in the calculations. We're projecting this forward. We take 3% inflation into accounts. It's not quite at 3% at the moment. It's a little bit higher than that.\n\nBut the RBA's inflates, like, cash rated one they wanted inflation and cash rate to be somewhere around the two to 3%. So most calculation like, in MoneySmart budget calculator, they'd use inflation of two and a half percent every year. We use 3% just to be safe. So\n\nChannel 1: Yeah.\n\nChannel 0: if that's $11,000,001,500,000 or $1,516,113 by the age of 60 is in tomorrow's dollars. Does that make sense? So that's gonna be the value of that much as if it was today's dollars but in the future. So we take inflation\n\nChannel 1: Oh, I\n\nChannel 0: into\n\nChannel 1: understand.\n\nChannel 0: account.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yeah. It's in tomorrow's dollars because\n\nChannel 1: Yep.\n\nChannel 0: tomorrow's dollar is not the same dollar as today. So we\n\nChannel 1: So\n\nChannel 0: we\n\nChannel 1: this is\n\nChannel 0: we\n\nChannel 1: in\n\nChannel 0: factor\n\nChannel 1: today's\n\nChannel 0: that\n\nChannel 1: dollars.\n\nChannel 0: in exact that's in tomorrow's dollars. Yep. So by the time you get to in a way, in today's dollars, correct. So by the time you get to age 60 in a thirty two years' time, you the same 1,500,000 that would be worth today is gonna be the same then as well because we take inflation into account.\n\nChannel 1: Okay.\n\nChannel 0: Correct. Does that does that kinda make sense?\n\nChannel 1: Yeah. Yes. Sort of.\n\nChannel 0: Sort of.\n\nChannel 1: Yes.\n\nChannel 0: So if you however much 1,500,000 can buy today, it's gonna be in tomorrow's dollars. It's gonna be the it's whatever you can buy for 1,500,000 in in thirty two years' time, but in those dollars. So we've taken inflation into account by three percent. So if inflation increases by 3% on average every year for thirty two years, that's that's that's factored into, yeah, today's dollars. Okay.\n\nChannel 1: Okay.\n\nChannel 0: I don't think I\n\nChannel 1: So\n\nChannel 0: I don't think I explained that correctly. Yeah. Do do what what did you take from that? How do how how do you see that as?\n\nChannel 1: So no no matter how much inflation is, I'll I'll still only have 1,000,500?\n\nChannel 0: So no. So it's taken 3%. So whatever the calculation is, every year, we've taken off 3% because of inflation. So it's\n\nChannel 1: Oh,\n\nChannel 0: in\n\nChannel 1: okay. Yep.\n\nChannel 0: yeah. So it's it's it's in future dollars. So by the time you get to age 32 oh, sorry. Age 60 in thirty two years, that value then is gonna be worth 3% rolling compounding average of 1,500,000 as today's dollars. So it's gonna be worth 1,500,000 in today's dollars.\n\nChannel 1: Yeah. Okay. Yeah.\n\nChannel 0: Does\n\nChannel 1: Yep.\n\nChannel 0: that make more\n\nChannel 1: Yeah.\n\nChannel 0: does that make more sense? Or beautiful. But then the question is, well, are you insured for enough for that $734 per annum premium? And the answer's no. So we went through the calculation recommending cover that's gonna cost again, I apologize.\n\nIt's the difference is $2,977. So that pub 24 column is actually what the difference in fees are. For some reason, the the table shifted left, but\n\nChannel 1: Yeah.\n\nChannel 0: I can send you an email with the actual comparison that I'm looking at. The insurance premiums is $3,711 per annum, which is the recommendation that we just went through, the 1,500,000 of life and TPD. Do you remember that?\n\nChannel 1: Yes.\n\nChannel 0: Yep. So for all that cover, comes to $3,711 per annum, approximately, to be exact, $3,710.71, which is about 31% of your super contributions just from working every year. So you still keep 70 or 69% in your super fund growing for retirement. K? So\n\nChannel 1: Where\n\nChannel 0: that's important\n\nChannel 1: where are\n\nChannel 0: to note.\n\nChannel 1: we looking?\n\nChannel 0: Yeah. So that's that's got so that kinda gives you an idea. We like this this is just just the same page. I'm just giving you an idea of what the outcome and what the effects would be based on an increase of insurance premiums as well as our fees. And you'll see over\n\nChannel 1: Yes.\n\nChannel 0: five years, you're gonna be $12 lower than what you would have been with q super. And the reason for that is because of the upfront fee of the balance. You see how it dropped by $3,300?\n\nChannel 1: Yes.\n\nChannel 0: So if we manage your superannuation and the charge of the statement of advice, it's for it's $4,950 per person. But for a couple, it's 3,300 each. So we reduce that fee down between you, if that makes\n\nChannel 1: Yes.\n\nChannel 0: sense. Because\n\nChannel 1: Yes.\n\nChannel 0: that so that's what that fee is. So with that fee as well as that ongoing advisory, the percentage base, the more money you make, the more money we make. If you lose\n\nChannel 1: Yes.\n\nChannel 0: money, we don't make as much money. So that's the reason why over the shorter term, it's it's it takes a while for that compounding return to really kick in. So it does take a while to kinda catch up, especially with the increase of insurance premiums. But the larger the snowball, the more snow it picks up.\n\nChannel 1: Yes.\n\nChannel 0: So when you're looking at a bus eight years in, that's when it starts really, you know, gaining momentum. And when you're looking at, you know, in fifteen years, you or twenty years' time when the balance is bigger, then you're gonna see or you're gonna see significant compounding return. You get higher returns. That's why it increases over the longer term. So I just wanted to even if we look at super or our super recommendations or not and just go with the insurances, I just wanted to give you an outcome and give you an idea of what our full recommendation would be and why.\n\nBecause overall, you'll be in the $210,188 better position by a 60 with the Superfund,\n\nChannel 1: Yes.\n\nChannel 0: our investments returns, net of all of our fees. But\n\nChannel 1: Yeah.\n\nChannel 0: more\n\nChannel 1: I see.\n\nChannel 0: importantly you know what I mean? So that's it. That's a mis outcome. But what I've done as well is I've also done a comparison of if we only had the insurance premiums in your existing super fund. I've done that in the appendix as well.\n\nSo let me know if you wanted to have a look at that, and I can walk you through that too. So, actually, now's a pretty good time. So if you go back to the email\n\nChannel 1: Yes.\n\nChannel 0: and you open up the second document,\n\nChannel 1: Yes.\n\nChannel 0: that is the appendix to the statement\n\nChannel 1: Last\n\nChannel 0: of advice.\n\nChannel 1: two.\n\nChannel 0: Yep. For some reason, my PDF didn't like me. It says some error. Bookmark not to find in some of them. But if you if you go down to the oh, it says another page numbers.\n\nThat's right. It's appendix. So after the you go down to the third page. It says risk profile.\n\nChannel 1: Yep.\n\nChannel 0: Can you can you see that? Risk profile.\n\nChannel 1: Yep.\n\nChannel 0: This gives you an idea of what defensive assets versus growth assets risk should look like. So between your investment portfolios with PinSoup because your sup is invested. That's what that\n\nChannel 1: Yep.\n\nChannel 0: high growth investment option is. You go on next page, important relationship information, it continues on the page after that. Investment BDSs, this is the portfolio I'm actually recommending for yourself within that\n\nChannel 1: Yes.\n\nChannel 0: hub twenty four fund. But if you go after that, you'll see investment returns like for like Brandon and investment return like for like Madison. Let's go to yours because we're talking about yours at the moment.\n\nChannel 1: Yes. Yes.\n\nChannel 0: And you will see that in the same kind of column, current versus recommended. If you look at current, you'll notice the insurance premium is $3,711.\n\nChannel 1: Current. 3,000. Yep.\n\nChannel 0: Yep. And that is so this is what would the outcome be if we kept your q super, but only wrote the insurances and got q super to pay for it? What does that look like? Does that make sense?\n\nChannel 1: Yep. Yep.\n\nChannel 0: So if we were to cancel the insurances you currently got with q super because we got these new introduced more expensive, more comprehensive, lot higher cover, then what would\n\nChannel 1: Okay.\n\nChannel 0: the outcome be? So after five years, you'd have a 186,000. After ten years, you'd have 290,000. And by age 60, in thirty two years, you'd have 1,268,000.\n\nChannel 1: Yeah.\n\nChannel 0: Okay? And then I did did a comparison versus, obviously, the same outcome, the same hub twenty four outcome as before.\n\nChannel 1: Yes.\n\nChannel 0: So if you look for the comparison between two tables, after five years, it's the same $190,827. But because the insurance premiums on a like for like comparison are higher if we just do insurances, it's actually with the same insurance, but within the hub twenty four. You'll save a dollar in fees in terms of administration investment cost, but you will also there'll be $4,000 paid off. Woo hoo. After five years, you'd make the upfront feedback.\n\nChannel 1: Yes.\n\nChannel 0: But,\n\nChannel 1: Perfect.\n\nChannel 0: obviously, because you got significantly more insurance premiums to pay. Does I I know there's a lot of numbers, and I know it's kinda hard to follow sometimes, but does that kinda\n\nChannel 1: Yeah.\n\nChannel 0: make sense?\n\nChannel 1: Yeah. No.\n\nChannel 0: Or\n\nChannel 1: That makes yeah. That makes sense.\n\nChannel 0: yeah. So not only do we need it from a from a compliance and best interest duty point of view, look at insurances, which is what you're after, because it's gonna be paid through super, I need to kind of assess your super situation as well, if that makes\n\nChannel 1: Yes.\n\nChannel 0: sense, and see if we can see if we can somehow counteract the increase of insurance premiums being paid to be able to still get you a beneficial outcome. That's why we included that recommendation in the actual statement of why\n\nChannel 1: Yeah.\n\nChannel 0: isn't it?\n\nChannel 1: Yes.\n\nChannel 0: Does that make sense?\n\nChannel 1: Yes.\n\nChannel 0: Beautiful. Do you have any questions?\n\nChannel 1: Brandon's super is significantly lower than mine. Just looking at his\n\nChannel 0: Correct. So that's the next one. That's the one above yours. Sorry.\n\nChannel 1: Yeah.\n\nChannel 0: So if you go back to the statement, keep in mind, these are the insurances the increased between c Bus as well as HUB twenty four. So if you we haven't gone through Brandon's, we've only gone through yours. But with the\n\nChannel 1: Yes.\n\nChannel 0: same concept, this will go a lot quicker because we've already gone through it. So if you go back to the statement of advice, the first attachment,\n\nChannel 1: Yes. Yes.\n\nChannel 0: and you go to page you go to page 32.\n\nChannel 1: Yep.\n\nChannel 0: Brandon's\n\nChannel 1: Yep.\n\nChannel 0: got you said you weren't a smoker. Is Brandon there?\n\nChannel 1: She is\n\nChannel 0: Nope.\n\nChannel 1: that.\n\nChannel 0: No. That's okay. So, Brandon, because he smoked cigarettes in the because he smoked cigarettes recently,\n\nChannel 1: No. No. Not in the so he he he'll have one cigarette if he's really drunk. He hasn't smoked in the last What? Three years.\n\nChannel 0: No. I understand that. But to an insurer, they do not care at all\n\nChannel 1: Okay.\n\nChannel 0: at all. So, yeah, we have to disclose that. And just to give you an idea, the difference in premium for smoker and not in smoker, this is why I've done the different premiums in different places, is fourth\n\nChannel 1: Okay.\n\nChannel 0: instead of four instead of $2,952, it's gonna cost $4,140.88.\n\nChannel 1: Where are we looking? Sorry.\n\nChannel 0: So page 32.\n\nChannel 1: 32. Oh, yes. I see.\n\nChannel 0: Yeah. So just to put it in perspective, if you were not a smoker now I wanna point out you can see the life insurance. Well, I'm only covering him for bare bones, which is 490,000, which is your mortgage in debt. Right? The reason why it's so much more expensive\n\nChannel 1: Yep.\n\nChannel 0: for such less so much less cover is because of his occupation. Being the excavator driver instead of a nurse, it's a lot higher risk.\n\nChannel 1: Yeah. Right.\n\nChannel 0: I've something going\n\nChannel 1: I\n\nChannel 0: wrong.\n\nChannel 1: for\n\nChannel 0: Yeah.\n\nChannel 1: some\n\nChannel 0: So\n\nChannel 1: reason, I thought it was the other way around.\n\nChannel 0: No. I'm sorry. I mean, mental health probably wise, but you're in a, like, you're in a sanitary environment. You've got strict procedures and policies. As an ex care beta driver, you like you said, you're on the side of a road digging off the said said road on a side of a cliff.\n\nRight? So\n\nChannel 1: Yes.\n\nChannel 0: not only that, he actually goes out into the ocean. So those things are all factors. So the way that they the way we that insurance companies calculate price versus risk, the monetary outcome versus the risk that they gotta take and work out a dollar figure behind that is a job called by job done by an actuary. So have you ever heard of somebody called an actuary?\n\nChannel 1: No.\n\nChannel 0: Okay. So an actuary is like a a it's a it's a it's a occupation, I guess, if it's a job, and they are very strange people. They're like they're like little hermits that that are mathematicians that live in a cave somewhere. They're just the strangest people you've ever met in your life. Their whole their their job is to essentially work out for the amounts of claims or things going wrong, what are those things that go wrong, and then calculate that risk into a monetary figure so the insurers can work out what how much it will cost to\n\nChannel 1: Yes.\n\nChannel 0: to to for a premium to get paid versus the likelihood of them paying out.\n\nChannel 1: Okay.\n\nChannel 0: Yep. So if you're an astronaut, you probably wouldn't get covered because the risk of something going wrong is way too high for them. Right?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: But if you are administration's officers sitting at a desk a 100% of the time during the day, then the likelihood of something going wrong is next to nothing. So, you know, for\n\nChannel 1: Yeah.\n\nChannel 0: if you were an admin officer, you'd be paying something like $1,100 for the same amount of cover each.\n\nChannel 1: That's crazy.\n\nChannel 0: Yeah. So it's very, very kind of convoluted and intricate just to give you an idea of how insurance works. There's a lot to it. But, yeah, for your specific occupations, if I were to get the same amount of cover for Brendan for that 1,500,000 for life and TPD, then you'd be looking at you'd be looking at significantly more premiums for the exact same amount of cover.\n\nChannel 1: Wow.\n\nChannel 0: Okay. So so to counteract that, to make sure that his super is still growing by the at the end of the day, I need to make sure that, you know, we we we aren't charging too much. We aren't charging the arm and the leg. So quite literally. That's funny.\n\nNot only that, we did a pre assessment, and there may be some exclusions involved because of family\n\nChannel 1: Okay.\n\nChannel 0: history,\n\nChannel 1: Yeah.\n\nChannel 0: which is multiple sclerosis.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Okay? So this is where yeah. There's there's lots that come into it. So if you were to get MS because of his family history, the insurer wouldn't pay out.\n\nChannel 1: Okay. Is there any insurer that would? Okay.\n\nChannel 0: No. At the moment, he doesn't have any exclusions on his current cover with\n\nChannel 1: Yeah.\n\nChannel 0: CBIZ. But the again, it's you just got given all these insurances. They haven't gone through what's called comprehensive underwriting. So\n\nChannel 1: Yes.\n\nChannel 0: underwriting means that we go through a big long questionnaire, ask you all about your family life, pretty much that pre assessment with a little bit more detail, and then we submit it to the insurance company. Say, hey. We want this person, our client, to be insured. This is how much we want, and this is the cover that they have agreed to and they're happy with. Now these are the questionnaires, and this is their family life, their their personal what we call a personal statement.\n\nSo you provide a statement saying exactly what's happened to you along the way, whether you've broken any bones, your family history, whether you've had cancer, benign, malignant, and they'll ask all the questions. And then you submit it, and then they come back and they assess the risk. They call underwriters, and they say, right. Well, we're we're happy to give them this appropriate cover, but we won't cover MS because it's family history. And if you're happy, then I'll come back to you and I'll say, look.\n\nThis is what they've offered. Are you happy with it? If you say yes, then we call the insurer back and say, yep. They're happy with this. They've signed off on it.\n\nLet's proceed. And then what they'll do is they'll essentially place that cover in force.\n\nChannel 1: Yes.\n\nChannel 0: And then if anything were to happen, the benefit of that is if anything were to happen down the track, the questions have already been asked. So they have to pay you depending on the outcome. So\n\nChannel 1: Yes.\n\nChannel 0: pretty\n\nChannel 1: Okay.\n\nChannel 0: much everything's covered outside of MS depending on\n\nChannel 1: Okay.\n\nChannel 0: what the insurer says. However, if with the current insurance with Cbus for Brendan, if something were to happen, he would get MS, then he wants to claim on his 100 and something thousand worth of total permanent disability. They would ask the questions then. They would go, alright. Well, can you, you know,\n\nChannel 1: Okay.\n\nChannel 0: do you do you have a family history of multiple sclerosis? Oh, you do. Well,\n\nChannel 1: So they'll\n\nChannel 0: based\n\nChannel 1: just\n\nChannel 0: on that,\n\nChannel 1: roll\n\nChannel 0: it's\n\nChannel 1: it out\n\nChannel 0: a non\n\nChannel 1: anyway.\n\nChannel 0: it's a nondisclosure. Yeah. Correct. Exactly.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: So\n\nChannel 1: Yep.\n\nChannel 0: it's\n\nChannel 1: No\n\nChannel 0: very\n\nChannel 1: worries.\n\nChannel 0: does that kinda does that kinda make sense? What I wanna do\n\nChannel 1: Yeah.\n\nChannel 0: is I do wanna update that that document table where it said that the where it was the recommended. The like, it's your do you know where it said negative $4.10 for admin fees?\n\nChannel 1: That's for mine.\n\nChannel 0: Yeah. For yours. So what I can do is I'll just copy this table here, and I will send it to you because I don't like that it copied over. But when I send it through to you, you'll see that it's just the difference in the actual fees. So I'll\n\nChannel 1: Yes.\n\nChannel 0: just send it through to as to follow-up on that statement of advice email sent through. I'll\n\nChannel 1: Perfect.\n\nChannel 0: say reply to all just so you can see what I'm talking about. So I'm so does that does that kinda give you an idea of how the insurances work, why I recommended what I recommended, the the the outcomes and the numbers that we're working with? Or\n\nChannel 1: Yep. That makes sense. Brandon's only got their two year benefit period.\n\nChannel 0: Yeah. To bring the cost down because it's very it's very expensive in\n\nChannel 1: Yeah.\n\nChannel 0: his line of work. Yeah. So is that that's why you wanna and because you're the so this is how the the benefits kind of work together. So if Brandon were to not be able to work because of injury illness, you can more than likely do a TPD claim because it would\n\nChannel 1: Okay.\n\nChannel 0: be fairly severe. But if you were to claim on an income protection claim, at least you get two years worth of benefit, And that way,\n\nChannel 1: Yes.\n\nChannel 0: it's not gonna completely blow the bank because the premiums aren't that high. And not only that, his income is lower than yours. So if you were to if you were to not be able to work because of injury illness and you need to go on a claim for, let's say, ten years before you can do something else or, you know, get back to work, whatever it might be, in that kind of example, this mental health is a big one. You know, stress leaves, stuff like that where you get anxiety or depression, something along those lines. It sounds like five to seven years sometimes.\n\nSo if that were the case and you weren't be able you weren't able to create an income, then you're the one that needs to be covered the most for the most amount of time because you've got the higher wage.\n\nChannel 1: Okay. So he's\n\nChannel 0: Does\n\nChannel 1: also\n\nChannel 0: that does\n\nChannel 1: not\n\nChannel 0: that make\n\nChannel 1: covered for melanoma either.\n\nChannel 0: sense? Only in trauma\n\nChannel 1: Yep.\n\nChannel 0: because\n\nChannel 1: Okay.\n\nChannel 0: that covers the main payment out of trauma is cancer.\n\nChannel 1: Yeah.\n\nChannel 0: Cancer,\n\nChannel 1: But if it's\n\nChannel 0: heart\n\nChannel 1: any\n\nChannel 0: disease. Yep. Sorry. Go on.\n\nChannel 1: so only melanomas or what if any other skin cancers or is it is it just\n\nChannel 0: Great. Great question. Nailing these questions at the moment. I must've\n\nChannel 1: sorry.\n\nChannel 0: no. No. No. These these are this is exactly why we have this conversation. So the answer is only melanomas.\n\nIf he were to get, say, bowel cancer or something like that, then it's still covered. So it's only got to do with preexisting conditions. So a good example is a back. Right? So your back if you get in if you're in a car crash and something happened, whatever it might be, you fell over or the scooter or escape or something, and you have a bulging disc on your l you don't understand this l four, l five disc.\n\nRight?\n\nChannel 1: Yes.\n\nChannel 0: Your lumbar sacral spine. Then if we would do underwriting and get comprehensive insurance for, let's say, myself, then they would exclude the lower spine, so the lumbar spine. However,\n\nChannel 1: Yes.\n\nChannel 0: it's got to do with the preexisting condition. So let's just say, you know, at the time where it ends up sever severing or whatever it's called. I'm not the doctor, the financial\n\nChannel 1: Yep.\n\nChannel 0: planner.\n\nChannel 1: Yep.\n\nChannel 0: But something happens and I become paralyzed from the lumbar sacral spine now. Right? Then I'm not covered because there will be a lumbar sacral spine exclusion. However, if I were to get into another car crash, for example, and I get t\n\nChannel 1: Yep.\n\nChannel 0: boned by a drunk driver and my l four, l five discs completely shatter and they sever whatever the right terminology is and I'm paralyzed from the waist down, I will get paid because it's got nothing to do with my preexisting condition.\n\nChannel 1: Yeah. So\n\nChannel 0: Does\n\nChannel 1: he\n\nChannel 0: that\n\nChannel 1: doesn't\n\nChannel 0: make\n\nChannel 1: have\n\nChannel 0: sense?\n\nChannel 1: any pre pre because he hasn't had actual cancers taken out. Is that just because of his dad's cancers taken out?\n\nChannel 0: Possibly, we would know more once you go through the full underwriting process. So when we go\n\nChannel 1: Okay.\n\nChannel 0: through that insurance application, we would submit it towards the insurer, and I'd probably more than likely be able to let you know. I've been doing this for, you know, pretty much my whole life. So\n\nChannel 1: Yes. Yeah.\n\nChannel 0: inclusive of the investments, my whole financial scope. But, yeah,\n\nChannel 1: Thank\n\nChannel 0: we're pretty good at picking things up before we submit\n\nChannel 1: you.\n\nChannel 0: it and letting you\n\nChannel 1: Yes.\n\nChannel 0: know what to expect when we get it back.\n\nChannel 1: Yes.\n\nChannel 0: But, yeah, that from the pre assessment, from what we've already disclosed to the insurer, from that questionnaire that you went through with, I believe, matters was\n\nChannel 1: Yes.\n\nChannel 0: after we had the chat. That's that's essentially you finding out what is likely to come back with because we're and that's when we take it to the market. So we get your pre pre assessment of your health conditions as well as what cover you need and your situation, age, and stage, everything. And then we go and we we compare that outcome with a whole bunch of different providers. And that's actually outlined on the statement of advice as well.\n\nSo if we're looking at Brendan's outcome, if you go down again to after those cover amounts, if you go down to page 34, it tells you about the exclusions.\n\nChannel 1: Yes.\n\nChannel 0: Page 35 is the best interest duty.\n\nChannel 1: Yes.\n\nChannel 0: Page 36 is the needs analysis, so he needs a little bit less cover than you because he's got a little bit less income than you over ten years as well\n\nChannel 1: Yes.\n\nChannel 0: as superannuation. So he might have thought a lot less super. But if you go down all the way through page 38, which is the outcomes, the advantages, and just compared to disadvantages of introducing this new cover, and you go down past risks and go down to page 42, you can see alternatives considered on page 42. Let me know when\n\nChannel 1: Yeah.\n\nChannel 0: you're there of the statement\n\nChannel 1: Yes.\n\nChannel 0: advice. So look at the last paragraph. So out of all the insurers that are on the market, because we run RNA for so we have to go we can we compare all of them. Out of all the insurers, the top kind of the top insurers that gave us relevant, like, adequate insurance levels and insurance definitions for Brendan, as well as appropriate price. They all have different pricings because of their definitions and the the the essentially, when when you're looking at insurance policies, you gotta look at these things for definitions.\n\nSo some insurers have more comprehensive definitions, which means the likelihood of you getting paid is higher, so, therefore, the premium's higher because\n\nChannel 1: Yes.\n\nChannel 0: it's higher risk to insure. So the competitive insurers were Tal, t a l, Australian Life it stands for, Ascender, and Zurich.\n\nChannel 1: Yes.\n\nChannel 0: Okay? So those are the top and along with the recommend recommended cover that we're recommending with the with his current insurance policy with one path is the one we're recommending for him. The one\n\nChannel 1: Yes.\n\nChannel 0: those four insurers came up to be kind of the most the highest rated, the most affordable for his age and stage and occupation. So\n\nChannel 1: Yes.\n\nChannel 0: out of all four of them, the cheapest with the best outcome is essentially one path, and that's why we're recommending to go ahead with one path. On the second attachment in that document in the appendix, it actually gives you a little bit of a rating in comparison to what a c bus insurance looks like as well. And that's\n\nChannel 1: What page is\n\nChannel 0: oh,\n\nChannel 1: this on? Sorry.\n\nChannel 0: the appendices doesn't have a page. It's just kinda like the extras. But if you go to where we were before for the like for like investment returns\n\nChannel 1: Oh, yes.\n\nChannel 0: for yourself.\n\nChannel 1: In the in\n\nChannel 0: Yeah. Correct.\n\nChannel 1: the\n\nChannel 0: In the appendix.\n\nChannel 1: appendix.\n\nChannel 0: Yeah. No. We're jumping around all over the\n\nChannel 1: Sorry.\n\nChannel 0: place. Bear with me. I apologize.\n\nChannel 1: My my long acting's wearing off by now.\n\nChannel 0: Yeah. No. That's alright. I know. But\n\nChannel 1: Okay.\n\nChannel 0: if you wanna go onto that, the appendix pretty much just outlines how investment methodology is there. But after the investment methodology, you'll actually see a comparison for insurance comparing differences. So a like for like for Brendan,\n\nChannel 1: Yes.\n\nChannel 0: and we compared OnePath versus Feebas. We've got all the other research. If you want me to send that through, I'm more than happy to send it through as well. But, essentially, we're just looking at, you know, what's the at a glance, what does one path portfolio and will insurance cover when compared to the existing SeaBus super\n\nChannel 1: Oh, that's\n\nChannel 0: insurance?\n\nChannel 1: crazy. Yeah. Yeah. Yeah.\n\nChannel 0: Yeah. Correct. So so the the coverage, you've got essentially a 1917% better chance of claiming on life and CPD with one part than you do with CBUS. That's because we ask the questions before the events, essentially.\n\nChannel 1: Yes. Yes.\n\nChannel 0: And if you look at, you know, what what these ratings look like, each rating house has a different rating. We use\n\nChannel 1: Yes.\n\nChannel 0: Chartwest for the insurances. It essentially shows you an overall score between the life, the TPD, and the features involved.\n\nChannel 1: Yep.\n\nChannel 0: And, yeah, if you if you go down the list, you can see that essentially, one path is a comprehensive insurance policy for life, CPD, income protection, and trauma. That's got a score of 92, a rating not compared to the rest of the market of 92. It's pretty much the highest you can get. I\n\nChannel 1: Yep.\n\nChannel 0: think Zurich has 94 for his occupation, but it's extremely expensive. So I'd rather save the $2,000 a year premium in case something doesn't go wrong and get one part but still really highly rated product. But if\n\nChannel 1: Yes.\n\nChannel 0: you're looking at the life and the TPD, you're looking at a 42 overall rating between the life and TPD. And if you were to just look at that life and TPD like for liking, you know, rating, it's a comparison of 29 versus six.\n\nChannel 1: Yes.\n\nChannel 0: It says I can go more to what the ratings look like. It says ranked on definition, but just to give you both a snapshot, that's what it looks like. And if you were to look at yours, QSuper's actually got a lot better insurances to CBUS and other industry funds because of the QSuper being in the health and police. You know what I mean? So\n\nChannel 1: Yes.\n\nChannel 0: QSuper's got a much higher rated product, which is 54. But like like we said before, you know, ClearView, if you're looking at that comprehensive cover, there there is an extra 12 points in that, and that's because of the trauma. We recommend\n\nChannel 1: Yes.\n\nChannel 0: trauma. But if you're looking at like for like, you can see it far out performs in terms of the life of GPD and income protection. Does that does that give you more of an idea of what the ration of the the insurance product is? Or\n\nChannel 1: Yeah. 100%. Yeah.\n\nChannel 0: perfect. Perfect. Well, that is that's pretty much what our recommendations are. I'm going to send you through an email with the updated table here. I apologize.\n\nI don't know why it's spattered out like that. It's just I've been having issues just today. It's just it just so happens to be that today's the day where it decided to not work even with the upload. I don't know why. But as discussed, please see.\n\nAnd what I'll do is I'll make sure that we take down the the odoo sign that I sent out. I don't want you if you wanna proceed with just the insurance or whatever it is, I'll get some time give you some time to obviously consider it and talk between yourselves, think\n\nChannel 1: Yes.\n\nChannel 0: about it, And we can book in time, you know, in a couple days just to have a catch up. Or if you want the weekend,\n\nChannel 1: Yes.\n\nChannel 0: just let me know. But I I wanted to make sure that, obviously, if you are signing something and proceeding with whatever it is you wanna proceed with, then you're signing off on an accurate document. Then but\n\nChannel 1: Yes.\n\nChannel 0: just while I've got you before we book that time in, I'll send this out. Please see below so you can see what I mean by the difference in those numbers.\n\nChannel 1: Perfect. Sounds good.\n\nChannel 0: So there we go. So I've just sent Nelson, I've just sent you out that extra bit. So somewhere out there in the etherwebs somewhere, So let me know. Maybe check junk again. If you right clicked on the previous email and moved it to inbox, it shouldn't.\n\nIt should just go straight to that inbox. But a message has been\n\nChannel 1: Got\n\nChannel 0: sent,\n\nChannel 1: it.\n\nChannel 0: so the email has been sent. You got it? Beautiful.\n\nChannel 1: Perfect.\n\nChannel 0: So if you you open that up and you see the same kind of table. So that same table, if you're looking at it,\n\nChannel 1: Yep. Yep.\n\nChannel 0: this is a comparison of 3711. You'll see at the very the difference table over there.\n\nChannel 1: Yep.\n\nChannel 0: So negative 410 and then\n\nChannel 1: Oh,\n\nChannel 0: 41\n\nChannel 1: that makes\n\nChannel 0: one, you\n\nChannel 1: sense.\n\nChannel 0: see.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. No. It shifted over to the left. But if you look at the this is what is this is how the data was supposed to correlate in that table. So, again, I'm gonna update it and resend it out.\n\nSo I do apologize. For some reason, that that side just shifted over that way and threw the numbers out. I don't know why.\n\nChannel 1: Yeah. That's okay. No worries.\n\nChannel 0: Yeah. Yeah. But does that give you a better indication of what it looks like?\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. And, also, if you wanted to look at the appendices, that is that's in the attachment for the like for like comparisons that\n\nChannel 1: Yep.\n\nChannel 0: didn't decide to shift over.\n\nChannel 1: Perfect.\n\nChannel 0: Okay. Does that does that, like, it would make a little bit more sense? A lot of those numbers would have thrown you off quite considerably. But in the appendix on the investment returns like for like, you'll see that those numbers are the same there as well, except for, obviously, your current current insurance premiums. So, essentially, the super with insurance recommendation for us, which is HUB24 for both of you, it gives you a it essentially saves you money in administration and investment costs overall.\n\nYou know, you save $1, and then between the admin fee and investment fee just by investing in in a in a portfolio within hub 24 that essentially gets you 2.78% better return. But if you were to just\n\nChannel 1: It\n\nChannel 0: get\n\nChannel 1: says it's 500 and the the recommended one, it says it's 598\n\nChannel 0: Correct. Correct.\n\nChannel 1: for\n\nChannel 0: In\n\nChannel 1: admin?\n\nChannel 0: administration cost. Yes.\n\nChannel 1: Yeah.\n\nChannel 0: Because it's much more comprehensive product. You can with\n\nChannel 1: Yeah.\n\nChannel 0: q super if you if you change\n\nChannel 1: But\n\nChannel 0: your investment\n\nChannel 1: investment\n\nChannel 0: over to high growth\n\nChannel 1: fee\n\nChannel 0: exactly. Exactly.\n\nChannel 1: is cheaper.\n\nChannel 0: So exactly. So this is where we go to the investment\n\nChannel 1: And then it\n\nChannel 0: side of\n\nChannel 1: equals\n\nChannel 0: things.\n\nChannel 1: itself. Yeah.\n\nChannel 0: Exactly. And but but for Brendan's, if you're looking at his,\n\nChannel 1: Yeah.\n\nChannel 0: you're looking at a you know, essentially a it's a $87 cheaper for his recommended investment portfolio. However, it's $3 more expensive for the same up 24 accounts. And that's because\n\nChannel 1: Yeah.\n\nChannel 0: he's\n\nChannel 1: Robert.\n\nChannel 0: in a core product because it's the it's the grouping discount. So does that is\n\nChannel 1: Yes.\n\nChannel 0: that does that make more sense about what I was\n\nChannel 1: Yeah.\n\nChannel 0: trying to explain before? Or Yeah. I'm sorry about that. No. Shift over.\n\nHopefully, that email just gives you a better idea of what I\n\nChannel 1: So\n\nChannel 0: was trying\n\nChannel 1: with\n\nChannel 0: to explain before.\n\nChannel 1: with the recommendations that you have been giving with the super and, like, what the outcome\n\nChannel 0: Mhmm.\n\nChannel 1: will be in the thirty two years, is that with just our work contributions, or is that\n\nChannel 0: Ash, just with you, I'm glad you asked that. So if you look at which which table are you looking at? Are you looking at the email one or in the appendices? Or\n\nChannel 1: I'm just looking at the like for like at the moment.\n\nChannel 0: okay. Okay. So Brendon's like like that if you go down underneath those investment fees, so there's admin fee, investment fee, any other fees, adviser service fee, that's a percentage based compared\n\nChannel 1: Yep.\n\nChannel 0: to, you know, obviously, not paying anything. Then you look at\n\nChannel 1: Yep.\n\nChannel 0: contribution per year. So that contribution per year is the contribution from employment. That's 12% per annum.\n\nChannel 1: Okay.\n\nChannel 0: You get a little bit more, and what's\n\nChannel 1: Yes.\n\nChannel 0: convenient with your line of work, I believe, five years ago or something, you still get the same contribution and elected nomination to kind of salary sacrifice 5% or a little bit more, a little bit less.\n\nChannel 1: Yes.\n\nChannel 0: You still get the same government benefits to whatever fund you wanna go to.\n\nChannel 1: Oh, I do. Okay. Perfect.\n\nChannel 0: Yeah. Yeah. Correct. So\n\nChannel 1: So\n\nChannel 0: it's not\n\nChannel 1: I can\n\nChannel 0: just\n\nChannel 1: I\n\nChannel 0: linked\n\nChannel 1: can\n\nChannel 0: to q super.\n\nChannel 1: oh, that's\n\nChannel 0: It\n\nChannel 1: awesome?\n\nChannel 0: used to be.\n\nChannel 1: So\n\nChannel 0: Yeah. So it used to be only q super and your line of work, but\n\nChannel 1: Yep.\n\nChannel 0: they the government ended up changing that because I I rightly so, I I seem to agree with that, you know, which I don't agree with the government's decisions half the time more than that. But I do agree that it is your money. You cover 12% of your wage discount to to essentially put towards a retirement fund so that the\n\nChannel 1: Yes.\n\nChannel 0: government\n\nChannel 1: Set\n\nChannel 0: doesn't\n\nChannel 1: you up\n\nChannel 0: have\n\nChannel 1: for\n\nChannel 0: to\n\nChannel 1: your\n\nChannel 0: pay a\n\nChannel 1: future.\n\nChannel 0: pension.\n\nChannel 1: Yeah.\n\nChannel 0: Correct.\n\nChannel 1: Exactly.\n\nChannel 0: Correct. So you should be able to not lose any benefits by being forced to stay with one super fund that's underperforming, let's say. It's\n\nChannel 1: Yeah.\n\nChannel 0: your money. You\n\nChannel 1: Lovely.\n\nChannel 0: should be able to get the same benefits and be able to get the same outcome as if you were with that fund or any other fund.\n\nChannel 1: Yeah. Lovely. And I know the government does also put in like, they don't they put in, like, an extra if I put in this much, they put in that much?\n\nChannel 0: That's that 5% voluntary contribution you're already doing. If\n\nChannel 1: Yep.\n\nChannel 0: you do\n\nChannel 1: Yeah.\n\nChannel 0: that to help '20 four, you will also get that benefit.\n\nChannel 1: Oh, perfect. Yep. Cool.\n\nChannel 0: Yep.\n\nChannel 1: Just\n\nChannel 0: Yep.\n\nChannel 1: making sure. Sorry.\n\nChannel 0: Now what I wanted to point out as\n\nChannel 1: Yeah.\n\nChannel 0: well, those projections in today's dollars for the future, like we explained before, and if you're looking at those contributions and insurance premiums, those contributions are gonna stay the exact set in the calculations of the projections. Again, we try and be as conservative as possible. A good example\n\nChannel 1: Yes.\n\nChannel 0: of this is if you were to look at the statement of advice when you're going through it in your own time. If you go to Brendan's projections, I think it was page 18 or page\n\nChannel 1: Yes.\n\nChannel 0: 19, you'll see a comparison between the returns of c bus versus what we're recommending for him. So in twelve months, three year, five year, and ten year, need neither we didn't have the available kind of data for our ten year time horizons mostly because some of those investments weren't around back then.\n\nChannel 1: Okay.\n\nChannel 0: So it wouldn't give us a d wouldn't give us a relevant outcome. But if you look at the twelve month projection, three year rolling average outcome\n\nChannel 1: Oh, that's\n\nChannel 0: of this\n\nChannel 1: really\n\nChannel 0: is\n\nChannel 1: strange. Yeah.\n\nChannel 0: yeah. Correct. So so I could use a three year projection, but I've got we've got, like within our company, within OPU, it's it's kinda like a it's it's part of our procedures to always use either the lowest or the longest average return, especially\n\nChannel 1: Yes.\n\nChannel 0: if it's the lowest. So if if five year is the lowest and let's say we do have ten year data available data and it's, say, 10%, we would still use the five year data because it's 9.6% on our returns, and we do a like for like comparison compared to whatever fund we're recommending against. Because, again, I would rather give you a a lower number now that we can try and exceed rather than a nice big fluffy number now that we probably won't require reach. So\n\nChannel 1: Yes.\n\nChannel 0: we always use the lowest amount, and that just turns out to be a five year rolling average. That's why there's a five year comparison moving forward into the future, what it looks like, and, you know, the what the effects of those fees would be in the beginning, but then the comparison and the outcome over the full time until you can access the superannuation inclusive of the insurances as well.\n\nChannel 1: Yes.\n\nChannel 0: Does that that that hopefully, it's kind of all coming together\n\nChannel 1: Yeah.\n\nChannel 0: because I know there's a lot.\n\nChannel 1: Makes sense.\n\nChannel 0: Perfect. That's all I wanted to kind of just make sure that you understand. The last thing before I let you go that I wanna work on, do you do you have any questions about I haven't gone through the investments as such, but in our next conversation, I know you're probably a little bit branded now right now. But I'm happy to go through the investments as well. They are different between yourself as well as Brandon because\n\nChannel 1: Yes.\n\nChannel 0: it's just because of the balance. So he's got a lower balance. I don't wanna cost too much on investment costs. You've got a more comprehensive portfolio. Therefore, you get a better outcome.\n\nYou know,\n\nChannel 1: Yes. That\n\nChannel 0: better\n\nChannel 1: makes\n\nChannel 0: five\n\nChannel 1: sense.\n\nChannel 0: year rolling\n\nChannel 1: Yeah.\n\nChannel 0: return. Correct. So the last thing I wanna touch on is the fees. So if we scroll all the way down that original document, again, we're more regulated than the pharmaceutical industry. And looking at the documents and everything we have to incorporate into this advice, you can probably understand where I'm coming from now.\n\nChannel 1: Yes.\n\nChannel 0: Right? But if you scroll all the way down past the wills, it's just on page 54. It says, like, establish your beneficiary nominations for the insurances and new funds if you go ahead with them. Page 57, it's a big gap. It's annoying when you do that and convert a Word document to PDF, and it ships everything around.\n\nBut establish\n\nChannel 1: Yep.\n\nChannel 0: a will, and the benefits, outcomes, disadvantages, advantages, as well as alternatives considered after that. We we also recommend established power of attorney in case something happens to you both. We need to make sure that, one, we know what to do with the way to pay the money to, and two, what to do with it. As\n\nChannel 1: Yep.\n\nChannel 0: on page 61, our ongoing service agreement just in writing on page 63 tells you what we do, that we're not a set and forget strategy. We can do pretty much anything you like. You're paying us, so use us. If you were\n\nChannel 1: Yes.\n\nChannel 0: to come on board, more important information, cooling off periods. But if you go to page 65, this is what we will get paid depending on what you wanna proceed with. Let me know when you're there.\n\nChannel 1: Yeah. The room\n\nChannel 0: Remuneration.\n\nChannel 1: room\n\nChannel 0: Correct. Yep. Essentially, fees. Remuneration fees is what we get remunerated by, how how we get remunerated.\n\nChannel 1: oh, this is how you get paid.\n\nChannel 0: This is how we get back. Correct.\n\nChannel 1: Yeah.\n\nChannel 0: So for this document, do you remember the stages, the roots, the the branching out, the all\n\nChannel 1: Yes.\n\nChannel 0: the different phases in the fees? So because this statement of advice we charge so it for the super and insurance, I I just throw in, you know, the recommendation of will and power of attorney in there just because it made sense. But with the super insurance, the cost of preparing this document, we do complimentary because we wanna show that we can get you in a better position first and foremost with the increase of insurances. And that's what we've just done.\n\nChannel 1: Yes.\n\nChannel 0: If you were to look at cash on budgeting or leveraging, gearing, and personal investments, then we charge just to write this document, we charge anywhere from $1,650 out of pocket to $2,200 out of pocket. Because you're only focusing on super and insurance, we charge we only charge once you decide to proceed with something. Right?\n\nChannel 1: Yes.\n\nChannel 0: So if you were to proceed with only the insurances, only the insurer will pay us. And they pay us 66% of whatever the premium is of whatever insurance policy we write upfront, which is for yourself for for Brendan, it's gonna be $2,482. We'll get\n\nChannel 1: Mhmm.\n\nChannel 0: paid that from the insurance company and nothing from you out of your super or out of back pocket. And then we will also get if we go ahead with your ClearView insurance policy, we get paid 66% of that first year premium, which is $3,056. Then there is the insurance company will essentially for the life of the policy, we will get paid 22% of that commission every year,\n\nChannel 1: Yes.\n\nChannel 0: which is, you know, what, $827 on the next page for Brendan's policy and $1,019 for your policy from Clearview every year moving forward for the life of the policy. So\n\nChannel 1: Yes.\n\nChannel 0: that's how we get paid from the insurance company. You don't pay anything out of back pocket, but because we've looked at the insurance and managing the InsideSuper and the recommendation of superannuation, we've calculated these fees into those projection tables as well, like the one I\n\nChannel 1: Mhmm.\n\nChannel 0: just emailed you. Upfront, again, we charge for an individual client. Once you agree to proceed with if it were the super insurance, then we can charge this fee out of super. For an individual, we charge $4,500 plus GST or $4,950 for this document. But if you're a couple and there's two clients, obviously, we want two lots of funds to grow, so it's more beneficial for everyone.\n\nThen we reduce that fee down from essentially $4,950 for one for an individual down to 3,300 per individual, which is reflected in there as well.\n\nChannel 1: Yes.\n\nChannel 0: Does that make sense? Beautiful. I wanna make sure that you understand as well. Within the projection tables that I emailed through, the actual correct one again, sorry. Apologies about it.\n\nI don't know why I shipped it across. But the projection tables, that is inclusive where you can see the balance at the top. We've deducted that 3,300 from each of your super funds straight off the bat. And when we'll start with looking at the projections moving forward, that's comparison over five years, ten years, and thirty two years by the age of 60. That is net of all fees, platform fees, insurance premiums, as well as our fees.\n\nChannel 1: Yep.\n\nChannel 0: Okay? So that's an upfront cost, a flat rate of $36,600, 3,300 each for documents if you were to proceed with the super. And then the insurance add in the ongoing percentage based fee is at 1.5% plus GST, and it tears down the higher you grow because it gets pretty outrageous if we charge 1.65% on, you know, your outcome of 1.5 1,700,000 and then you know what I mean? We we\n\nChannel 1: Yes.\n\nChannel 0: we start charging, like, $4,050,000 dollars a year. I wouldn't complain,\n\nChannel 1: Yes.\n\nChannel 0: but it just doesn't seem really reasonable to us.\n\nChannel 1: Yes.\n\nChannel 0: Does that make does that make sense?\n\nChannel 1: Yes.\n\nChannel 0: So, essentially, if you don't go ahead with the super and you only want us to write the insurances to get you covered and your family covered, well, you don't pay us a cent outside of super or out of your back pocket. The insurance company pays us only.\n\nChannel 1: Yes.\n\nChannel 0: But then I also need I also wanna, you know, reflect what that looks like in the appendix if we were to write that cover and just key get your current super fund to pay for it.\n\nChannel 1: Okay.\n\nChannel 0: What what the app what the impact would be. That's that's\n\nChannel 1: Yes.\n\nChannel 0: those tables in the appendices. Cool. Does that all make sense? Do you have any questions?\n\nChannel 1: Yep. No questions.\n\nChannel 0: Amazing. I should probably get some dinner, and you guys should probably get some get to dinner too. So I do apologize for the time and the delay. I know we're supposed to kick off at five, but life and puppies and\n\nChannel 1: Did\n\nChannel 0: and\n\nChannel 1: happen.\n\nChannel 0: technology gets in the way. Yeah. Correct. Shit does happen. Exactly right.\n\nBut, look, the the over remuneration instead of broken down between the implementation and then ongoing, I've done it for each of you. So on the next page and then on the page after that, 69 shows the how to implement our advice if you were to go ahead with everything, step by step guide for who\n\nChannel 1: Yep.\n\nChannel 0: and when\n\nChannel 1: Yep.\n\nChannel 0: all the way down. And then the on page 71 is just essentially showing, look, if you do wanna proceed with everything, then we will just, you know, proceed. But in that little box above the finding area,\n\nChannel 1: Yep.\n\nChannel 0: we can outline, you know, you says, I have chosen to vary the recommendations in the supplies documents. And then we'll write down, look, I only wanna proceed with insurance or whatever it might be. Right?\n\nChannel 1: Perfect. Sounds good.\n\nChannel 0: Perfect. Now I know that's a lot to take in. I don't want you to make a decision just yes on what to do moving forward, but Friday is the Gold Coast show day. So what how about this Thursday this week, or would you prefer to catch up just for a chat maybe Monday next week? What do you prefer?\n\nChannel 1: We're seeing our mortgage broker Thursday. I could\n\nChannel 0: Okay.\n\nChannel 1: do Monday.\n\nChannel 0: Beautiful. Monday, same time. You\n\nChannel 1: Oh,\n\nChannel 0: guys just\n\nChannel 1: sorry. I'm working a light on Monday, but is it\n\nChannel 0: okay.\n\nChannel 1: will it be okay if it's just me in the morning?\n\nChannel 0: Yeah. Yeah. Absolutely. Money never sleeps in my world, and it's it's 08:00 at night. You know, we\n\nChannel 1: Okay.\n\nChannel 0: do\n\nChannel 1: Perfect.\n\nChannel 0: this. I do I do, like, maybe five I used to do five to seven of these a day. So, honestly, anytime whenever it suits you.\n\nChannel 1: Not a problem. I can do whatever time in the morning. I start I don't start work till one.\n\nChannel 0: Okay. Well, if Brendan's okay with me to having that discussion with you, if he's if he comes to decision or whatever you guys come to decision on, then we will need to see him send you his ID and, oh, you've already sent through IDs. We're gonna need those. And you've got tax on number. That's all good from an AML point of view.\n\nChannel 1: Yes.\n\nChannel 0: I will need to just ask a question there for again, compliance\n\nChannel 1: Yep.\n\nChannel 0: is everything in our world. So I will need to speak to him, and I will need to get him to sign up on the documents\n\nChannel 1: Yep.\n\nChannel 0: that you would have received. Again, I'm gonna resend them because I wanna update the document with that table shifted.\n\nChannel 1: Yeah. Not a problem.\n\nChannel 0: Amazing. I'll give you a call, and if he's okay with that, then I'll give you a call at 09:30 on Monday, thirty first. How does that sound?\n\nChannel 1: Sounds perfect so much. Thank you so much, and I'm so sorry. It's so late.\n\nChannel 0: That's right. Not a problem at all. I apologize for taking my time too. I'll speak to you guys next well, I'll speak to yourself first and next week. Thank you for your patience.\n\nI really appreciate it. And, yeah, we'll we'll have a chat then. Alright?\n\nChannel 1: Not a problem. Thank you so much.\n\nChannel 0: Amazing. Enjoy the rest of your night. See you. Bye.\n\nChannel 1: You too. Bye.","paragraphs":[{"sentences":[{"text":"Caden?","start":0.96,"end":1.46,"sentiment":"neutral","sentiment_score":0.00863767322152853}],"sentiment":"neutral","sentiment_score":0.00863767322152853,"channel":0,"num_words":1,"start":0.96,"end":1.46},{"sentences":[{"text":"Hello?","start":2.1599998,"end":2.56,"sentiment":"neutral","sentiment_score":0.027608931064605713},{"text":"I've got Madison for you.","start":2.56,"end":3.9399998,"sentiment":"neutral","sentiment_score":0.22989482283592225}],"sentiment":"neutral","sentiment_score":0.19618050754070282,"channel":1,"num_words":6,"start":2.1599998,"end":3.9399998},{"sentences":[{"text":"Amazing.","start":3.9199998,"end":4.42,"sentiment":"positive","sentiment_score":0.6273542642593384},{"text":"Can you please do me a favor?","start":4.48,"end":6.02,"sentiment":"neutral","sentiment_score":0.27050463429519106}],"sentiment":"neutral","sentiment_score":0.3151108380407095,"channel":0,"num_words":8,"start":3.9199998,"end":6.02},{"sentences":[{"text":"Yep.","start":6.3199997,"end":6.8199997,"sentiment":"neutral","sentiment_score":0.06070920079946518}],"sentiment":"neutral","sentiment_score":0.06070920079946518,"channel":1,"num_words":1,"start":6.3199997,"end":6.8199997},{"sentences":[{"text":"Okay.","start":7.52,"end":8.02,"sentiment":"neutral","sentiment_score":0.030519999563694},{"text":"So in the soft file, I've had to update the SOA.","start":8.16,"end":14.98,"sentiment":"neutral","sentiment_score":0.0161879585463215},{"text":"So in","start":15.465,"end":16.025,"sentiment":"neutral","sentiment_score":0.004443277604877949}],"sentiment":"neutral","sentiment_score":0.015533864198784744,"channel":0,"num_words":14,"start":7.52,"end":16.025},{"sentences":[{"text":"Uh-huh.","start":15.745,"end":16.244999,"sentiment":"neutral","sentiment_score":0.005947060417383909}],"sentiment":"neutral","sentiment_score":0.005947060417383909,"channel":1,"num_words":1,"start":15.745,"end":16.244999},{"sentences":[{"text":"the soft file, there is a folder called the hold up.","start":16.025,"end":21.225,"sentiment":"neutral","sentiment_score":0.01053100045431744},{"text":"Hold up.","start":21.225,"end":21.965,"sentiment":"neutral","sentiment_score":0.003935233689844608},{"text":"There is a folder called s zed in Madison, Svanio CEOs folder.","start":22.265,"end":29.085,"sentiment":"neutral","sentiment_score":0.01222487670990328}],"sentiment":"neutral","sentiment_score":0.010816399715840816,"channel":0,"num_words":25,"start":16.025,"end":29.085},{"sentences":[{"text":"Yep.","start":28.720001,"end":29.220001,"sentiment":"neutral","sentiment_score":0.02243397943675518}],"sentiment":"neutral","sentiment_score":0.02243397943675518,"channel":1,"num_words":1,"start":28.720001,"end":29.220001},{"sentences":[{"text":"There is a in the research working papers s z s o","start":29.699999,"end":34.12,"sentiment":"neutral","sentiment_score":0.013202383803824583}],"sentiment":"neutral","sentiment_score":0.013202383803824583,"channel":0,"num_words":12,"start":29.699999,"end":34.12},{"sentences":[{"text":"I said SOA.","start":35.2,"end":36.08,"sentiment":"neutral","sentiment_score":0.0105343551064531},{"text":"Yep.","start":36.08,"end":36.58,"sentiment":"neutral","sentiment_score":0.013948513194918633}],"sentiment":"neutral","sentiment_score":0.011387894628569484,"channel":1,"num_words":4,"start":35.2,"end":36.58},{"sentences":[{"text":"a.","start":37.3,"end":37.54,"sentiment":"neutral","sentiment_score":0.009524944238364697},{"text":"Can you please upload go into their go into their OdooSign template.","start":37.54,"end":45.515,"sentiment":"neutral","sentiment_score":0.012925507655988136}],"sentiment":"neutral","sentiment_score":0.012663925854632488,"channel":0,"num_words":13,"start":37.3,"end":45.515},{"sentences":[{"text":"Yep.","start":45.535,"end":46.035,"sentiment":"neutral","sentiment_score":0.019754957407712936},{"text":"Yep.","start":46.095,"end":46.595,"sentiment":"neutral","sentiment_score":0.01884729228913784}],"sentiment":"neutral","sentiment_score":0.01930112484842539,"channel":1,"num_words":2,"start":45.535,"end":46.595},{"sentences":[{"text":"Can you please upload those two documents for signing and put","start":46.615,"end":52.135002,"sentiment":"neutral","sentiment_score":0.016731824133206497}],"sentiment":"neutral","sentiment_score":0.016731824133206497,"channel":0,"num_words":11,"start":46.615,"end":52.135002},{"sentences":[{"text":"Yep.","start":51.95,"end":52.45,"sentiment":"neutral","sentiment_score":0.01121271215379238}],"sentiment":"neutral","sentiment_score":0.01121271215379238,"channel":1,"num_words":1,"start":51.95,"end":52.45},{"sentences":[{"text":"them at the top?","start":52.135002,"end":53.835,"sentiment":"neutral","sentiment_score":0.010594092542305589}],"sentiment":"neutral","sentiment_score":0.010594092542305589,"channel":0,"num_words":4,"start":52.135002,"end":53.835},{"sentences":[{"text":"Yep.","start":54.19,"end":54.69,"sentiment":"neutral","sentiment_score":0.010657470673322678}],"sentiment":"neutral","sentiment_score":0.010657470673322678,"channel":1,"num_words":1,"start":54.19,"end":54.69},{"sentences":[{"text":"And then put the signatures there and everything and send the whole pack out.","start":57.52,"end":61.699997,"sentiment":"neutral","sentiment_score":0.005019256046840123},{"text":"I'm just saying that I've had a problem with my portal, which I have.","start":62.239998,"end":65.7,"sentiment":"neutral","sentiment_score":-0.16467225551605225},{"text":"Yeah.","start":66.88,"end":67.28,"sentiment":"neutral","sentiment_score":-0.03264394402503967},{"text":"I'll stay on yep.","start":67.28,"end":69.28,"sentiment":"neutral","sentiment_score":-0.014955103164538741},{"text":"That's all good.","start":69.28,"end":70.259995,"sentiment":"neutral","sentiment_score":0.051683361331621804}],"sentiment":"neutral","sentiment_score":-0.06034878514603608,"channel":0,"num_words":36,"start":57.52,"end":70.259995},{"sentences":[{"text":"I need that.","start":71.2,"end":72.215,"sentiment":"neutral","sentiment_score":-0.03771063437064489},{"text":"Hold 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for.","start":295.91,"end":305.535,"sentiment":"neutral","sentiment_score":0.22278417081668458},{"text":"Right?","start":305.535,"end":306.035,"sentiment":"neutral","sentiment_score":0.1514560729265213}],"sentiment":"neutral","sentiment_score":0.15759614753452214,"channel":0,"num_words":66,"start":285.03,"end":306.035},{"sentences":[{"text":"Okay.","start":306.56998,"end":306.88998,"sentiment":"neutral","sentiment_score":0.28802627325057983},{"text":"Perfect.","start":306.88998,"end":307.38998,"sentiment":"positive","sentiment_score":0.5444074869155884}],"sentiment":"positive","sentiment_score":0.4162168800830841,"channel":1,"num_words":2,"start":306.56998,"end":307.38998},{"sentences":[{"text":"Yep.","start":309.215,"end":309.455,"sentiment":"positive","sentiment_score":0.34933003783226013},{"text":"Let","start":309.455,"end":309.695,"sentiment":"neutral","sentiment_score":0.25956812500953674}],"sentiment":"neutral","sentiment_score":0.30444908142089844,"channel":0,"num_words":2,"start":309.215,"end":309.695},{"sentences":[{"text":"So","start":309.53,"end":310.00998,"sentiment":"neutral","sentiment_score":0.2664324641227722}],"sentiment":"neutral","sentiment_score":0.2664324641227722,"channel":1,"num_words":1,"start":309.53,"end":310.00998},{"sentences":[{"text":"me 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you","start":310.015,"end":310.335,"sentiment":"neutral","sentiment_score":0.22525136917829514}],"sentiment":"neutral","sentiment_score":0.22525136917829514,"channel":0,"num_words":2,"start":310.015,"end":310.335},{"sentences":[{"text":"I","start":310.33,"end":310.56998,"sentiment":"neutral","sentiment_score":0.23749876022338867}],"sentiment":"neutral","sentiment_score":0.23749876022338867,"channel":1,"num_words":1,"start":310.33,"end":310.56998},{"sentences":[{"text":"got","start":310.335,"end":310.575,"sentiment":"neutral","sentiment_score":0.2572334408760071}],"sentiment":"neutral","sentiment_score":0.2572334408760071,"channel":0,"num_words":1,"start":310.335,"end":310.575},{"sentences":[{"text":"go","start":310.56998,"end":310.88998,"sentiment":"neutral","sentiment_score":0.27291128039360046}],"sentiment":"neutral","sentiment_score":0.27291128039360046,"channel":1,"num_words":1,"start":310.56998,"end":310.88998},{"sentences":[{"text":"it 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one?","start":316.14,"end":318.0,"sentiment":"neutral","sentiment_score":0.038756312536341805}],"sentiment":"neutral","sentiment_score":0.08814350809705884,"channel":0,"num_words":19,"start":312.94,"end":318.0},{"sentences":[{"text":"Your one.","start":318.735,"end":319.555,"sentiment":"neutral","sentiment_score":0.13326824456453323}],"sentiment":"neutral","sentiment_score":0.13326824456453323,"channel":1,"num_words":2,"start":318.735,"end":319.555},{"sentences":[{"text":"My one.","start":320.30002,"end":320.86002,"sentiment":"neutral","sentiment_score":0.1879349648952484},{"text":"Beautiful.","start":320.86002,"end":321.36002,"sentiment":"positive","sentiment_score":0.4945493638515472},{"text":"Okay.","start":321.58002,"end":322.08002,"sentiment":"neutral","sentiment_score":0.16885316371917725},{"text":"So the first documents, the twenty twenty six zero eight twenty four statement of advice, Brendan Madison, 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one.","start":338.06998,"end":344.88998,"sentiment":"neutral","sentiment_score":0.03298769044605168},{"text":"Alright.","start":347.27,"end":347.77,"sentiment":"neutral","sentiment_score":0.044497668743133545},{"text":"So are you looking at the front page, which is","start":347.83,"end":350.49,"sentiment":"neutral","sentiment_score":0.03520525600761175}],"sentiment":"neutral","sentiment_score":0.0506251866796187,"channel":0,"num_words":35,"start":333.575,"end":350.49},{"sentences":[{"text":"Yes.","start":350.11502,"end":350.61502,"sentiment":"neutral","sentiment_score":0.08677296340465546}],"sentiment":"neutral","sentiment_score":0.08677296340465546,"channel":1,"num_words":1,"start":350.11502,"end":350.61502},{"sentences":[{"text":"the, yeah, amazing Gold Coast and all the bits and pieces?","start":350.55,"end":354.025,"sentiment":"neutral","sentiment_score":0.2753412818366831}],"sentiment":"neutral","sentiment_score":0.2753412818366831,"channel":0,"num_words":11,"start":350.55,"end":354.025},{"sentences":[{"text":"Perfect.","start":354.755,"end":355.255,"sentiment":"positive","sentiment_score":0.39495810866355896}],"sentiment":"positive","sentiment_score":0.39495810866355896,"channel":1,"num_words":1,"start":354.755,"end":355.255},{"sentences":[{"text":"Perfect.","start":356.325,"end":356.825,"sentiment":"positive","sentiment_score":0.33677029609680176},{"text":"Alright.","start":356.885,"end":357.385,"sentiment":"neutral","sentiment_score":0.153935045003891},{"text":"So this is essentially called a statement of advice.","start":357.445,"end":360.345,"sentiment":"neutral","sentiment_score":0.12520865433745915},{"text":"It is a legally binding document, which just pretty much outlines our recommendations in writing.","start":360.48502,"end":367.97,"sentiment":"neutral","sentiment_score":0.1347132682800293},{"text":"And the main reason why we do all sorts of personalized financial advice by this matter is to make sure that not only you are protected, but we're protected too.","start":369.55002,"end":378.99002,"sentiment":"neutral","sentiment_score":0.1571391448378563}],"sentiment":"neutral","sentiment_score":0.14915101070489203,"channel":0,"num_words":56,"start":356.325,"end":378.99002},{"sentences":[{"text":"You know, if we say we recommend this, but I see and well, you say I recommended something and and I say I didn't.","start":378.99002,"end":386.065,"sentiment":"neutral","sentiment_score":0.04341701767407358},{"text":"It's all just hearsay.","start":386.065,"end":387.285,"sentiment":"neutral","sentiment_score":0.02090082224458456},{"text":"So the government decided to formalize it and make sure that when we're giving advice on, you know, clients' literal future and their lives, We do it as compliantly and formally as possible.","start":387.345,"end":399.08,"sentiment":"neutral","sentiment_score":0.13435566335013419},{"text":"Okay?","start":399.3,"end":399.8,"sentiment":"neutral","sentiment_score":0.08128958940505981}],"sentiment":"neutral","sentiment_score":0.09097803537283213,"channel":0,"num_words":62,"start":378.99002,"end":399.8},{"sentences":[{"text":"Yes.","start":399.595,"end":400.095,"sentiment":"neutral","sentiment_score":0.10844804346561432}],"sentiment":"neutral","sentiment_score":0.10844804346561432,"channel":1,"num_words":1,"start":399.595,"end":400.095},{"sentences":[{"text":"So this is this is this document.","start":400.02,"end":401.63998,"sentiment":"neutral","sentiment_score":0.10070815682411194},{"text":"The it is prepared for yourself as well as Brandon Smith on the August 25.","start":402.1,"end":407.38,"sentiment":"neutral","sentiment_score":0.11667774717013041},{"text":"It's prepared by myself, Severiano Zata, and my authorized representative number ASIC in the federal government is 1259315.","start":407.38,"end":415.155,"sentiment":"neutral","sentiment_score":0.10603678474823634},{"text":"I am licensed under Oakview Financial as an Australian financial services license.","start":415.375,"end":420.035,"sentiment":"neutral","sentiment_score":0.10080947672637801},{"text":"And all of our details, including the AFSL license number under ASIC is right there on the front 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Miloxie.","start":797.11,"end":802.00995,"sentiment":"neutral","sentiment_score":-0.011319670267403126},{"text":"You just wanted a bit of advice around reducing the debts and making sure that we can achieve further long, medium, long term goals for your finance, financial needs.","start":802.70996,"end":812.205,"sentiment":"neutral","sentiment_score":0.30568050027921284},{"text":"I've scoped it out because of the different stages.","start":812.205,"end":815.265,"sentiment":"neutral","sentiment_score":0.13881237970458138}],"sentiment":"neutral","sentiment_score":0.11783983966765496,"channel":0,"num_words":65,"start":791.405,"end":815.265},{"sentences":[{"text":"And, you know, when we last spoke, you said, look.","start":815.565,"end":817.885,"sentiment":"neutral","sentiment_score":0.06179956272244454},{"text":"Let's just do the super insurance because it's a complimentary 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is just limiting the advice to what's actually appropriate, which is the super insurance and, again, state planning.","start":856.95,"end":862.97,"sentiment":"neutral","sentiment_score":-0.15302185714244843},{"text":"But not only that, I'm not a legal practitioner.","start":863.26996,"end":865.76996,"sentiment":"neutral","sentiment_score":-0.190543779068523}],"sentiment":"neutral","sentiment_score":-0.15943617736681914,"channel":0,"num_words":39,"start":853.51,"end":865.76996},{"sentences":[{"text":"I couldn't think of anything worse worse than being a legal practitioner.","start":865.82996,"end":868.73,"sentiment":"negative","sentiment_score":-0.3515765058497588},{"text":"So when it comes to the drafting of wills, power of attorneys, this can be done through a a a person who's legally qualified to do so.","start":869.855,"end":878.575,"sentiment":"neutral","sentiment_score":-0.029836577328818815},{"text":"I'm not that 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get to the most important parts because I'm conscious of time as well.","start":967.76,"end":974.48004,"sentiment":"neutral","sentiment_score":0.0561582055752692},{"text":"But your PPR, your assets and liabilities, so your primary place of residence as well as your motor vehicle and the loans involved, current superannuations, insurance held in both of them.","start":974.48004,"end":985.34503,"sentiment":"neutral","sentiment_score":0.020332011304074717},{"text":"Page nine.","start":985.645,"end":986.545,"sentiment":"neutral","sentiment_score":0.008310775272548199}],"sentiment":"neutral","sentiment_score":0.03215892926922866,"channel":0,"num_words":70,"start":963.045,"end":986.545},{"sentences":[{"text":"Next page after that is your risk protection portfolio.","start":986.84503,"end":989.585,"sentiment":"neutral","sentiment_score":0.020146000302500196},{"text":"So, Brendan, see, boss, you know, you're looking at 208,000 worth of life cover as well as a $156,000 worth of TPD, no income 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yeah.","start":1106.685,"end":1107.3251,"sentiment":"neutral","sentiment_score":0.08466150239109993},{"text":"Yeah.","start":1107.3251,"end":1107.645,"sentiment":"neutral","sentiment_score":0.10263765603303908},{"text":"Your waiting period is ninety days.","start":1107.645,"end":1109.52,"sentiment":"neutral","sentiment_score":0.04422650051613649},{"text":"Right?","start":1110.0801,"end":1110.5801,"sentiment":"neutral","sentiment_score":0.07750599831342697}],"sentiment":"neutral","sentiment_score":0.06148256622254848,"channel":0,"num_words":10,"start":1106.685,"end":1110.5801},{"sentences":[{"text":"Yep.","start":1110.125,"end":1110.625,"sentiment":"neutral","sentiment_score":0.14012593030929563}],"sentiment":"neutral","sentiment_score":0.14012593030929563,"channel":1,"num_words":1,"start":1110.125,"end":1110.625},{"sentences":[{"text":"So that's important, especially for yourself, especially considering, you know, your the your your income in 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it.","start":1120.56,"end":1135.6951,"sentiment":"neutral","sentiment_score":-0.11445301102132213},{"text":"Right?","start":1135.6951,"end":1136.1951,"sentiment":"neutral","sentiment_score":0.022718235850334167}],"sentiment":"neutral","sentiment_score":-0.10823369888113994,"channel":0,"num_words":51,"start":1120.16,"end":1136.1951},{"sentences":[{"text":"Yes.","start":1136.365,"end":1136.865,"sentiment":"neutral","sentiment_score":-0.0888989269733429}],"sentiment":"neutral","sentiment_score":-0.0888989269733429,"channel":1,"num_words":1,"start":1136.365,"end":1136.865},{"sentences":[{"text":"So when you're looking at paying for those premiums, which is that income protection, if you were to claim on it for something as significant as a broken femur, which is about three months, that's the biggest part in your body as you know,","start":1137.71,"end":1150.61,"sentiment":"neutral","sentiment_score":-0.03775219462642616}],"sentiment":"neutral","sentiment_score":-0.03775219462642616,"channel":0,"num_words":44,"start":1137.71,"end":1150.61},{"sentences":[{"text":"Yes.","start":1150.71,"end":1151.21,"sentiment":"neutral","sentiment_score":0.06401769816875458}],"sentiment":"neutral","sentiment_score":0.06401769816875458,"channel":1,"num_words":1,"start":1150.71,"end":1151.21},{"sentences":[{"text":"You know, will you be paid for that time?","start":1151.845,"end":1153.845,"sentiment":"neutral","sentiment_score":0.017645440995693207},{"text":"The answer is no.","start":1153.845,"end":1154.725,"sentiment":"neutral","sentiment_score":-0.2792149782180786},{"text":"So what are you","start":1154.725,"end":1155.365,"sentiment":"neutral","sentiment_score":-0.18559280410408974}],"sentiment":"neutral","sentiment_score":-0.10002483296043732,"channel":0,"num_words":17,"start":1151.845,"end":1155.365},{"sentences":[{"text":"No.","start":1155.35,"end":1155.85,"sentiment":"neutral","sentiment_score":-0.26041868329048157}],"sentiment":"neutral","sentiment_score":-0.26041868329048157,"channel":1,"num_words":1,"start":1155.35,"end":1155.85},{"sentences":[{"text":"paying for?","start":1155.365,"end":1156.105,"sentiment":"neutral","sentiment_score":-0.16462978720664978},{"text":"K.","start":1156.565,"end":1156.8849,"sentiment":"neutral","sentiment_score":-0.06158636137843132},{"text":"So that's the one I was looking at.","start":1156.8849,"end":1158.4049,"sentiment":"neutral","sentiment_score":-0.08034803625196218},{"text":"But if you're looking at actually going through and you can't work because of injury illness for, let's say, two years, right, Then you'll","start":1158.4049,"end":1165.38,"sentiment":"neutral","sentiment_score":-0.1489397092567136}],"sentiment":"neutral","sentiment_score":-0.13166237851338727,"channel":0,"num_words":35,"start":1155.365,"end":1165.38},{"sentences":[{"text":"Yes.","start":1165.375,"end":1165.875,"sentiment":"neutral","sentiment_score":0.05789917707443237}],"sentiment":"neutral","sentiment_score":0.05789917707443237,"channel":1,"num_words":1,"start":1165.375,"end":1165.875},{"sentences":[{"text":"be paid on the fourth month.","start":1165.38,"end":1166.9,"sentiment":"neutral","sentiment_score":0.05885881558060646},{"text":"You'll get paid after your nine day waiting period.","start":1166.9,"end":1169.14,"sentiment":"neutral","sentiment_score":0.052065993348757424},{"text":"On the four thirty days after that, you'll get paid for that first month.","start":1169.14,"end":1172.42,"sentiment":"neutral","sentiment_score":0.02071447923247303},{"text":"Right?","start":1172.42,"end":1172.92,"sentiment":"neutral","sentiment_score":0.024277642369270325},{"text":"Because it's","start":1173.06,"end":1173.4601,"sentiment":"neutral","sentiment_score":-0.01169622503221035}],"sentiment":"neutral","sentiment_score":0.03476983547443524,"channel":0,"num_words":32,"start":1165.38,"end":1173.4601},{"sentences":[{"text":"Yes.","start":1173.33,"end":1173.83,"sentiment":"neutral","sentiment_score":-0.016274135559797287}],"sentiment":"neutral","sentiment_score":-0.016274135559797287,"channel":1,"num_words":1,"start":1173.33,"end":1173.83},{"sentences":[{"text":"in arrears.","start":1173.4601,"end":1174.12,"sentiment":"neutral","sentiment_score":-0.15172747522592545},{"text":"But then let's just say you don't go back after two years off because of injury or illness.","start":1174.9,"end":1179.24,"sentiment":"neutral","sentiment_score":-0.25992277678516174},{"text":"In your line of work, it's it's kind of on the borderline, but I'll say three to five years is kind of more appropriate.","start":1179.415,"end":1185.835,"sentiment":"neutral","sentiment_score":-0.138907544935743},{"text":"But if you weren't able to go back let's say five years because that's my recommendation.","start":1186.055,"end":1189.435,"sentiment":"neutral","sentiment_score":-0.2834922345355153},{"text":"If you weren't able to go back to work because of injury or illness after five years, then you probably won't go back to work at 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return.","start":1199.4199,"end":1205.6799,"sentiment":"negative","sentiment_score":-0.6184081788416262}],"sentiment":"negative","sentiment_score":-0.6184081788416262,"channel":0,"num_words":27,"start":1199.4199,"end":1205.6799},{"sentences":[{"text":"Yes.","start":1206.36,"end":1206.86,"sentiment":"neutral","sentiment_score":-0.2938268184661865}],"sentiment":"neutral","sentiment_score":-0.2938268184661865,"channel":1,"num_words":1,"start":1206.36,"end":1206.86},{"sentences":[{"text":"So, therefore, it sounds like you you've got a very likely case of being totally permanently disabled.","start":1207.505,"end":1212.165,"sentiment":"negative","sentiment_score":-0.47022975893581614},{"text":"Correct?","start":1212.785,"end":1213.285,"sentiment":"neutral","sentiment_score":-0.18171435594558716}],"sentiment":"negative","sentiment_score":-0.454201125436359,"channel":0,"num_words":18,"start":1207.505,"end":1213.285},{"sentences":[{"text":"I 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your","start":1219.9851,"end":1225.12,"sentiment":"neutral","sentiment_score":-0.2821055054664612}],"sentiment":"neutral","sentiment_score":-0.28101269327677214,"channel":0,"num_words":13,"start":1219.3451,"end":1225.12},{"sentences":[{"text":"Money.","start":1225.02,"end":1225.52,"sentiment":"neutral","sentiment_score":-0.17704316973686218}],"sentiment":"neutral","sentiment_score":-0.17704316973686218,"channel":1,"num_words":1,"start":1225.02,"end":1225.52},{"sentences":[{"text":"money.","start":1225.12,"end":1225.44,"sentiment":"neutral","sentiment_score":-0.19486692547798157},{"text":"I'm not so sure.","start":1225.44,"end":1226.58,"sentiment":"neutral","sentiment_score":-0.2490738332271576},{"text":"Yeah.","start":1226.88,"end":1227.28,"sentiment":"neutral","sentiment_score":-0.06415320187807083},{"text":"Correct.","start":1227.28,"end":1227.78,"sentiment":"neutral","sentiment_score":-0.06052376329898834}],"sentiment":"neutral","sentiment_score":-0.1879770319376673,"channel":0,"num_words":7,"start":1225.12,"end":1227.78},{"sentences":[{"text":"Oh my gosh.","start":1227.42,"end":1228.38,"sentiment":"neutral","sentiment_score":-0.20132291316986084}],"sentiment":"neutral","sentiment_score":-0.20132291316986084,"channel":1,"num_words":3,"start":1227.42,"end":1228.38},{"sentences":[{"text":"So","start":1228.0,"end":1228.5,"sentiment":"neutral","sentiment_score":-0.20377092063426971}],"sentiment":"neutral","sentiment_score":-0.20377092063426971,"channel":0,"num_words":1,"start":1228.0,"end":1228.5},{"sentences":[{"text":"I never 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super.","start":1229.74,"end":1236.72,"sentiment":"neutral","sentiment_score":-0.2540992841952377}],"sentiment":"neutral","sentiment_score":-0.25738409268004553,"channel":1,"num_words":21,"start":1229.1799,"end":1236.72},{"sentences":[{"text":"No.","start":1237.485,"end":1237.885,"sentiment":"neutral","sentiment_score":-0.1909376084804535},{"text":"So you can actually access Super at age 60.","start":1237.885,"end":1240.385,"sentiment":"neutral","sentiment_score":-0.020657985988590453},{"text":"Yeah.","start":1242.765,"end":1243.005,"sentiment":"neutral","sentiment_score":0.03632591664791107},{"text":"So but but you get the concept.","start":1243.005,"end":1244.6849,"sentiment":"neutral","sentiment_score":-0.013225313276052477},{"text":"So that's that's what that's what that they that's how they kind of work together, and this is what you currently 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profile, you came out as a high growth investor.","start":1313.1,"end":1316.38,"sentiment":"neutral","sentiment_score":0.17126162407489923}],"sentiment":"neutral","sentiment_score":0.11060480388902849,"channel":0,"num_words":31,"start":1305.5,"end":1316.38},{"sentences":[{"text":"You both of you came out as high growth investors.","start":1316.38,"end":1318.48,"sentiment":"neutral","sentiment_score":0.21382923275232316},{"text":"But more importantly, if you go down to page 12, this is a super recommendation.","start":1319.205,"end":1323.945,"sentiment":"neutral","sentiment_score":0.29793348411719006},{"text":"Let's skip past that because I'll come back to that.","start":1324.965,"end":1328.1649,"sentiment":"neutral","sentiment_score":0.10458682999014854},{"text":"So if you can just skip down to page let's go to the crux of it.","start":1328.1649,"end":1334.5801,"sentiment":"neutral","sentiment_score":0.06366492435336113},{"text":"Page 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Brandon's?","start":1338.74,"end":1342.4401,"sentiment":"neutral","sentiment_score":0.044765765277238995}],"sentiment":"neutral","sentiment_score":0.04811155955706324,"channel":0,"num_words":14,"start":1338.18,"end":1342.4401},{"sentences":[{"text":"I don't mind.","start":1342.6299,"end":1343.61,"sentiment":"neutral","sentiment_score":0.05076449488600095}],"sentiment":"neutral","sentiment_score":0.05076449488600095,"channel":1,"num_words":3,"start":1342.6299,"end":1343.61},{"sentences":[{"text":"Or let's start with yours because yours is a prettier, fluffier number.","start":1344.98,"end":1348.6,"sentiment":"neutral","sentiment_score":0.09575417917221785},{"text":"So if we go down to page,","start":1349.835,"end":1351.855,"sentiment":"neutral","sentiment_score":0.04802946160946574}],"sentiment":"neutral","sentiment_score":0.0781713884912039,"channel":0,"num_words":19,"start":1344.98,"end":1351.855},{"sentences":[{"text":"Winnie?","start":1352.035,"end":1352.535,"sentiment":"neutral","sentiment_score":0.02516917511820793}],"sentiment":"neutral","sentiment_score":0.02516917511820793,"channel":1,"num_words":1,"start":1352.035,"end":1352.535},{"sentences":[{"text":"as you can tell there there is a lot.","start":1352.235,"end":1354.495,"sentiment":"neutral","sentiment_score":-0.008589137552513016},{"text":"No.","start":1355.835,"end":1356.155,"sentiment":"neutral","sentiment_score":-0.07147419452667236},{"text":"Page 27.","start":1356.155,"end":1357.295,"sentiment":"neutral","sentiment_score":-0.04592506214976311}],"sentiment":"neutral","sentiment_score":-0.020052213066567976,"channel":0,"num_words":12,"start":1352.235,"end":1357.295},{"sentences":[{"text":"Oh, 27.","start":1357.555,"end":1358.355,"sentiment":"neutral","sentiment_score":-0.033448937349021435},{"text":"Sorry.","start":1358.355,"end":1358.855,"sentiment":"neutral","sentiment_score":-0.046015724539756775},{"text":"Yes.","start":1362.995,"end":1363.3151,"sentiment":"neutral","sentiment_score":-0.013627739623188972},{"text":"I'm there.","start":1363.3151,"end":1364.135,"sentiment":"neutral","sentiment_score":-0.03834176901727915}],"sentiment":"neutral","sentiment_score":-0.03387081281592449,"channel":1,"num_words":6,"start":1357.555,"end":1364.135},{"sentences":[{"text":"Okay.","start":1365.25,"end":1365.75,"sentiment":"neutral","sentiment_score":-0.013010759837925434},{"text":"So like I said, it's it's interesting because I recommended a super fund.","start":1365.89,"end":1370.85,"sentiment":"neutral","sentiment_score":0.08538170330799542},{"text":"It's not in a super fund market.","start":1370.85,"end":1372.37,"sentiment":"neutral","sentiment_score":-0.03904797775404794},{"text":"It's a retail fund.","start":1372.37,"end":1373.09,"sentiment":"neutral","sentiment_score":0.056114996783435345},{"text":"It's called hub twenty four.","start":1373.09,"end":1374.63,"sentiment":"neutral","sentiment_score":0.08983148708939552}],"sentiment":"neutral","sentiment_score":0.04990776538227995,"channel":0,"num_words":30,"start":1365.25,"end":1374.63},{"sentences":[{"text":"The only reason there there's hundreds of super funds out there.","start":1374.6901,"end":1377.09,"sentiment":"neutral","sentiment_score":0.05724825371395458},{"text":"It doesn't really matter what the super fund is.","start":1377.09,"end":1379.01,"sentiment":"neutral","sentiment_score":0.031294619457589254},{"text":"It will really matters is what the investments are that you can get invested into within the fund itself because that's the thing that's making your money grow.","start":1379.01,"end":1386.745,"sentiment":"neutral","sentiment_score":0.21555596616651332},{"text":"Right?","start":1386.745,"end":1387.245,"sentiment":"neutral","sentiment_score":0.11541258543729782}],"sentiment":"neutral","sentiment_score":0.14412983681778518,"channel":0,"num_words":49,"start":1374.6901,"end":1387.245},{"sentences":[{"text":"Yep.","start":1387.595,"end":1388.095,"sentiment":"neutral","sentiment_score":0.11183804273605348}],"sentiment":"neutral","sentiment_score":0.11183804273605348,"channel":1,"num_words":1,"start":1387.595,"end":1388.095},{"sentences":[{"text":"So you what I mean by that is in q super, q super is just super just the trust that's holding the funds and making all the rules.","start":1387.705,"end":1396.6799,"sentiment":"neutral","sentiment_score":0.0870056776329875},{"text":"They aren't the thing that actually makes your money grow.","start":1397.0599,"end":1399.72,"sentiment":"neutral","sentiment_score":0.043055581487715246},{"text":"What it is is the investment that you are currently invested into, and","start":1399.94,"end":1404.5,"sentiment":"neutral","sentiment_score":0.10683165318690814}],"sentiment":"neutral","sentiment_score":0.08344169176530604,"channel":0,"num_words":51,"start":1387.705,"end":1404.5},{"sentences":[{"text":"Yes.","start":1404.35,"end":1404.85,"sentiment":"neutral","sentiment_score":0.2844192087650299}],"sentiment":"neutral","sentiment_score":0.2844192087650299,"channel":1,"num_words":1,"start":1404.35,"end":1404.85},{"sentences":[{"text":"that is that my super growth.","start":1404.5,"end":1406.955,"sentiment":"positive","sentiment_score":0.36295531690120697},{"text":"Right?","start":1407.4349,"end":1407.6749,"sentiment":"neutral","sentiment_score":0.27204403281211853},{"text":"That's that investment option.","start":1407.6749,"end":1409.0349,"sentiment":"neutral","sentiment_score":0.23374053835868835},{"text":"So you'd see it on your statements.","start":1409.0349,"end":1410.6549,"sentiment":"neutral","sentiment_score":0.14261872747114726},{"text":"That's yeah.","start":1412.235,"end":1413.2749,"sentiment":"neutral","sentiment_score":0.16793549060821533}],"sentiment":"neutral","sentiment_score":0.23594700805842878,"channel":0,"num_words":20,"start":1404.5,"end":1413.2749},{"sentences":[{"text":"I can actually probably bring it up, to be fair.","start":1413.2749,"end":1415.2749,"sentiment":"neutral","sentiment_score":0.10345200747251511},{"text":"I've got I have now yours.","start":1415.2749,"end":1416.955,"sentiment":"neutral","sentiment_score":0.10732855647802353},{"text":"Now I've got Brandon's open.","start":1416.955,"end":1418.335,"sentiment":"neutral","sentiment_score":0.08333063572645187},{"text":"The exact investment that you have where are you?","start":1418.7949,"end":1422.2999,"sentiment":"neutral","sentiment_score":0.10494200968080097},{"text":"There you are.","start":1422.2999,"end":1424.38,"sentiment":"neutral","sentiment_score":0.15674630800882974}],"sentiment":"neutral","sentiment_score":0.10635944252664392,"channel":0,"num_words":33,"start":1413.2749,"end":1424.38},{"sentences":[{"text":"Is I believe it's my super growth.","start":1424.38,"end":1428.64,"sentiment":"neutral","sentiment_score":0.2834261357784271},{"text":"Here you go.","start":1428.78,"end":1429.6799,"sentiment":"neutral","sentiment_score":0.22965974609057108},{"text":"Now you're a 100% high growth.","start":1429.98,"end":1432.0,"sentiment":"positive","sentiment_score":0.35213643809159595}],"sentiment":"neutral","sentiment_score":0.29911130107939243,"channel":0,"num_words":16,"start":1424.38,"end":1432.0},{"sentences":[{"text":"Yes.","start":1432.9,"end":1433.4,"sentiment":"neutral","sentiment_score":0.19852325320243835}],"sentiment":"neutral","sentiment_score":0.19852325320243835,"channel":1,"num_words":1,"start":1432.9,"end":1433.4},{"sentences":[{"text":"Yep.","start":1434.235,"end":1434.555,"sentiment":"neutral","sentiment_score":0.14539703726768494},{"text":"So you must see when you've rolled into that managed fund, that high growth fund, what","start":1434.555,"end":1439.595,"sentiment":"neutral","sentiment_score":0.09021557518281043}],"sentiment":"neutral","sentiment_score":0.09346154354074422,"channel":0,"num_words":17,"start":1434.235,"end":1439.595},{"sentences":[{"text":"Yes.","start":1439.275,"end":1439.775,"sentiment":"neutral","sentiment_score":0.07416491210460663}],"sentiment":"neutral","sentiment_score":0.07416491210460663,"channel":1,"num_words":1,"start":1439.275,"end":1439.775},{"sentences":[{"text":"is actually quite interesting is it's actually not a high growth fund.","start":1439.595,"end":1444.635,"sentiment":"neutral","sentiment_score":-0.0334709140782555},{"text":"It's actually a growth fund, which","start":1444.635,"end":1447.11,"sentiment":"neutral","sentiment_score":0.013583575064937273}],"sentiment":"neutral","sentiment_score":-0.017786084363857906,"channel":0,"num_words":18,"start":1439.595,"end":1447.11},{"sentences":[{"text":"Okay.","start":1446.955,"end":1447.455,"sentiment":"neutral","sentiment_score":0.02254167757928371}],"sentiment":"neutral","sentiment_score":0.02254167757928371,"channel":1,"num_words":1,"start":1446.955,"end":1447.455},{"sentences":[{"text":"is about 85% invested into the market.","start":1447.11,"end":1449.77,"sentiment":"neutral","sentiment_score":0.04753993291940008},{"text":"High growth funds are 90 to 95 90 to 98% in this sense of market, but that's a little bit more technicality.","start":1450.23,"end":1457.53,"sentiment":"neutral","sentiment_score":0.007350120693445206},{"text":"If we're looking at this table, this is the current this is the breakdown of the fees, contributions, insurance premiums, as well as total costs, and what the I did I did a five year rolling average.","start":1458.965,"end":1470.585,"sentiment":"neutral","sentiment_score":0.014512291882891912},{"text":"The reason why I did a five year rolling average is because one, it's the lowest figure for us so that I can try and do use a lower amount to try and exceed your kind of the outcome rather than give you a big fluffy number now, probably not quite reach it.","start":1470.885,"end":1485.7,"sentiment":"neutral","sentiment_score":0.009869455588313768},{"text":"And I think five","start":1485.7,"end":1486.5,"sentiment":"neutral","sentiment_score":0.05372802447527647}],"sentiment":"neutral","sentiment_score":0.014385611621466109,"channel":0,"num_words":123,"start":1447.11,"end":1486.5},{"sentences":[{"text":"Yes.","start":1486.34,"end":1486.84,"sentiment":"neutral","sentiment_score":-0.02922534942626953}],"sentiment":"neutral","sentiment_score":-0.02922534942626953,"channel":1,"num_words":1,"start":1486.34,"end":1486.84},{"sentences":[{"text":"years is a pretty good time horizon if you're looking at an average every year.","start":1486.5,"end":1490.12,"sentiment":"positive","sentiment_score":0.39305920600891114},{"text":"K?","start":1490.475,"end":1490.975,"sentiment":"neutral","sentiment_score":0.09252426028251648}],"sentiment":"positive","sentiment_score":0.37427577190101147,"channel":0,"num_words":16,"start":1486.5,"end":1490.975},{"sentences":[{"text":"Yeah.","start":1490.58,"end":1491.08,"sentiment":"neutral","sentiment_score":0.11067816615104677}],"sentiment":"neutral","sentiment_score":0.11067816615104677,"channel":1,"num_words":1,"start":1490.58,"end":1491.08},{"sentences":[{"text":"So if I were to look at your q super, you got a $108,590 in there.","start":1491.755,"end":1497.0549,"sentiment":"neutral","sentiment_score":0.05489121633581817},{"text":"The administration fees per annum is a $188,","start":1497.595,"end":1501.455,"sentiment":"neutral","sentiment_score":0.025575947714969516}],"sentiment":"neutral","sentiment_score":0.04511946012886862,"channel":0,"num_words":24,"start":1491.755,"end":1501.455},{"sentences":[{"text":"Mhmm.","start":1502.025,"end":1502.505,"sentiment":"neutral","sentiment_score":0.02486027218401432},{"text":"Yep.","start":1502.505,"end":1503.005,"sentiment":"neutral","sentiment_score":0.06473468989133835}],"sentiment":"neutral","sentiment_score":0.044797481037676334,"channel":1,"num_words":2,"start":1502.025,"end":1503.005},{"sentences":[{"text":"right, per annum, But the investment fee for that high growth investment with the amount of funds you have in there is $608 a year.","start":1503.4349,"end":1513.39,"sentiment":"neutral","sentiment_score":0.05235325768589973},{"text":"And we call this an ICR, an indirect cost ratio.","start":1513.39,"end":1516.77,"sentiment":"neutral","sentiment_score":0.01101831067353487},{"text":"Whenever you think of acronyms in finance, just think fees.","start":1519.565,"end":1523.505,"sentiment":"neutral","sentiment_score":-0.04642586894333363},{"text":"I don't","start":1524.0449,"end":1524.2849,"sentiment":"neutral","sentiment_score":-0.09621591120958328}],"sentiment":"neutral","sentiment_score":0.016219660362347642,"channel":0,"num_words":47,"start":1503.4349,"end":1524.2849},{"sentences":[{"text":"Okay.","start":1524.22,"end":1524.72,"sentiment":"neutral","sentiment_score":-0.09756770730018616}],"sentiment":"neutral","sentiment_score":-0.09756770730018616,"channel":1,"num_words":1,"start":1524.22,"end":1524.72},{"sentences":[{"text":"know if it was some some bankers or something back in the eighties.","start":1524.2849,"end":1527.4249,"sentiment":"neutral","sentiment_score":-0.09138871958622566},{"text":"They must have just said, well, you know, clients are switching on to fees being fees, so let's try and hide them in weird convoluted ways so we can still charge fees and hide them.","start":1527.8049,"end":1537.37,"sentiment":"neutral","sentiment_score":-0.16629162579774856},{"text":"So when you when you see ICR or MER, which is management expense ratio, those, at the end of the day, are all fees.","start":1537.83,"end":1545.13,"sentiment":"neutral","sentiment_score":-0.02684271669325729},{"text":"So for the q super product itself platform to be invested in that super fund, it costs you a $188, but that high growth investment option, there's manage fund managers behind that as well that get that get wanna get 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out.","start":1597.4,"end":1601.48,"sentiment":"neutral","sentiment_score":0.07171929674223065},{"text":"608608Minus 411.","start":1601.48,"end":1606.465,"sentiment":"neutral","sentiment_score":0.008943430613726377},{"text":"Yeah.","start":1608.125,"end":1608.365,"sentiment":"neutral","sentiment_score":0.00666337925940752}],"sentiment":"neutral","sentiment_score":0.036140418110881,"channel":0,"num_words":40,"start":1589.3201,"end":1608.365},{"sentences":[{"text":"It's actually 197.","start":1608.365,"end":1611.005,"sentiment":"neutral","sentiment_score":-0.015522289710740248},{"text":"I'm not too sure why it's retired '87 in there, but it's a 190.","start":1611.005,"end":1615.165,"sentiment":"neutral","sentiment_score":-0.06406367676598686},{"text":"It even makes it better, but it's a 100 and was that a 190?","start":1615.165,"end":1620.7001,"sentiment":"neutral","sentiment_score":0.11256199715925115},{"text":"Yeah.","start":1621.4801,"end":1621.7201,"sentiment":"neutral","sentiment_score":-0.026981117203831673},{"text":"Those calculations are really strange.","start":1621.7201,"end":1623.4801,"sentiment":"neutral","sentiment_score":-0.24025237560272217}],"sentiment":"neutral","sentiment_score":-0.016103604833620624,"channel":0,"num_words":37,"start":1608.365,"end":1623.4801},{"sentences":[{"text":"So but it's a $197 cheaper in investment fees, which is","start":1623.4801,"end":1627.9801,"sentiment":"neutral","sentiment_score":0.0662723784758286}],"sentiment":"neutral","sentiment_score":0.0662723784758286,"channel":0,"num_words":11,"start":1623.4801,"end":1627.9801},{"sentences":[{"text":"Yes.","start":1627.71,"end":1628.21,"sentiment":"neutral","sentiment_score":0.051209479570388794}],"sentiment":"neutral","sentiment_score":0.051209479570388794,"channel":1,"num_words":1,"start":1627.71,"end":1628.21},{"sentences":[{"text":"crazy for an investment cost.","start":1629.16,"end":1631.02,"sentiment":"neutral","sentiment_score":0.02035946846008301}],"sentiment":"neutral","sentiment_score":0.02035946846008301,"channel":0,"num_words":5,"start":1629.16,"end":1631.02},{"sentences":[{"text":"Might be a bit","start":1632.27,"end":1632.91,"sentiment":"neutral","sentiment_score":-0.014533852692693472}],"sentiment":"neutral","sentiment_score":-0.014533852692693472,"channel":1,"num_words":4,"start":1632.27,"end":1632.91},{"sentences":[{"text":"Let","start":1632.8401,"end":1633.0,"sentiment":"neutral","sentiment_score":-0.012100540101528168}],"sentiment":"neutral","sentiment_score":-0.012100540101528168,"channel":0,"num_words":1,"start":1632.8401,"end":1633.0},{"sentences":[{"text":"hot.","start":1632.91,"end":1633.41,"sentiment":"neutral","sentiment_score":0.017096899449825287}],"sentiment":"neutral","sentiment_score":0.017096899449825287,"channel":1,"num_words":1,"start":1632.91,"end":1633.41},{"sentences":[{"text":"me just let me just double I'm gonna I'm gonna double check that and send that out again.","start":1633.0,"end":1637.845,"sentiment":"neutral","sentiment_score":0.012715768172509141},{"text":"But either way, you yeah.","start":1637.845,"end":1640.005,"sentiment":"neutral","sentiment_score":0.10454243868589401},{"text":"It's it's for hub twenty four, it's significantly cheaper.","start":1640.005,"end":1643.545,"sentiment":"positive","sentiment_score":0.34349914722972447},{"text":"Looks like the kind of line just shifted over weirdly enough, but it's","start":1643.765,"end":1648.1001,"sentiment":"neutral","sentiment_score":0.042813930445565626}],"sentiment":"neutral","sentiment_score":0.09777043203098906,"channel":0,"num_words":45,"start":1633.0,"end":1648.1001},{"sentences":[{"text":"With","start":1648.045,"end":1648.4451,"sentiment":"neutral","sentiment_score":0.031781017780303955}],"sentiment":"neutral","sentiment_score":0.031781017780303955,"channel":1,"num_words":1,"start":1648.045,"end":1648.4451},{"sentences":[{"text":"significantly","start":1648.1001,"end":1648.6001,"sentiment":"neutral","sentiment_score":0.0967303067445755}],"sentiment":"neutral","sentiment_score":0.0967303067445755,"channel":0,"num_words":1,"start":1648.1001,"end":1648.6001},{"sentences":[{"text":"the admin","start":1648.4451,"end":1649.185,"sentiment":"neutral","sentiment_score":0.056651242077350616}],"sentiment":"neutral","sentiment_score":0.056651242077350616,"channel":1,"num_words":2,"start":1648.4451,"end":1649.185},{"sentences":[{"text":"cheaper for","start":1648.8201,"end":1649.8,"sentiment":"neutral","sentiment_score":0.06970750167965889}],"sentiment":"neutral","sentiment_score":0.06970750167965889,"channel":0,"num_words":2,"start":1648.8201,"end":1649.8},{"sentences":[{"text":"fees, why does","start":1649.3251,"end":1650.765,"sentiment":"neutral","sentiment_score":-0.019983430703481037}],"sentiment":"neutral","sentiment_score":-0.019983430703481037,"channel":1,"num_words":3,"start":1649.3251,"end":1650.765},{"sentences":[{"text":"yep.","start":1650.66,"end":1651.16,"sentiment":"neutral","sentiment_score":-0.030291249975562096}],"sentiment":"neutral","sentiment_score":-0.030291249975562096,"channel":0,"num_words":1,"start":1650.66,"end":1651.16},{"sentences":[{"text":"it say minus four","start":1650.765,"end":1652.97,"sentiment":"neutral","sentiment_score":-0.03146683145314455}],"sentiment":"neutral","sentiment_score":-0.03146683145314455,"channel":1,"num_words":4,"start":1650.765,"end":1652.97},{"sentences":[{"text":"Yikes.","start":1652.9,"end":1653.4,"sentiment":"neutral","sentiment_score":-0.02060644328594208}],"sentiment":"neutral","sentiment_score":-0.02060644328594208,"channel":0,"num_words":1,"start":1652.9,"end":1653.4},{"sentences":[{"text":"110?","start":1653.0299,"end":1653.85,"sentiment":"neutral","sentiment_score":0.004374712705612183}],"sentiment":"neutral","sentiment_score":0.004374712705612183,"channel":1,"num_words":1,"start":1653.0299,"end":1653.85},{"sentences":[{"text":"Exactly.","start":1654.5,"end":1655.0,"sentiment":"neutral","sentiment_score":0.028857510536909103},{"text":"That's why I'm looking at going, hold on.","start":1655.06,"end":1657.0801,"sentiment":"neutral","sentiment_score":0.005740885506384075},{"text":"What's going on?","start":1657.14,"end":1658.2001,"sentiment":"neutral","sentiment_score":0.002679228006551663},{"text":"Because so when we do the when we do the calculations, we use a program called xPlan or Iris xPlan, as well as Chartwest to actually dive kind of deep deep dive into the funds themselves.","start":1658.5801,"end":1671.005,"sentiment":"neutral","sentiment_score":0.04841155967571669}],"sentiment":"neutral","sentiment_score":0.03803413389444662,"channel":0,"num_words":48,"start":1654.5,"end":1671.005},{"sentences":[{"text":"Okay.","start":1673.245,"end":1673.645,"sentiment":"neutral","sentiment_score":0.17826741933822632},{"text":"Perfect.","start":1673.645,"end":1674.145,"sentiment":"neutral","sentiment_score":0.26547640562057495}],"sentiment":"neutral","sentiment_score":0.22187191247940063,"channel":1,"num_words":2,"start":1673.245,"end":1674.145},{"sentences":[{"text":"Okay.","start":1674.29,"end":1674.69,"sentiment":"neutral","sentiment_score":0.10204893350601196},{"text":"Were you were you listening?","start":1674.69,"end":1675.75,"sentiment":"neutral","sentiment_score":0.05720044225454331},{"text":"Sorry.","start":1676.29,"end":1676.79,"sentiment":"neutral","sentiment_score":-0.014906931668519974},{"text":"So so when we look at in searching these the the figures into these tables,","start":1677.01,"end":1682.39,"sentiment":"neutral","sentiment_score":0.0152138685186704}],"sentiment":"neutral","sentiment_score":0.027334192767739296,"channel":0,"num_words":22,"start":1674.29,"end":1682.39},{"sentences":[{"text":"Yep.","start":1682.6051,"end":1683.1051,"sentiment":"neutral","sentiment_score":0.05059328302741051}],"sentiment":"neutral","sentiment_score":0.05059328302741051,"channel":1,"num_words":1,"start":1682.6051,"end":1683.1051},{"sentences":[{"text":"we use an we use a third party software called Iris xPlan as well as","start":1682.69,"end":1687.73,"sentiment":"neutral","sentiment_score":0.041238374263048175}],"sentiment":"neutral","sentiment_score":0.041238374263048175,"channel":0,"num_words":15,"start":1682.69,"end":1687.73},{"sentences":[{"text":"Okay.","start":1687.6101,"end":1688.1101,"sentiment":"neutral","sentiment_score":0.032571807503700256}],"sentiment":"neutral","sentiment_score":0.032571807503700256,"channel":1,"num_words":1,"start":1687.6101,"end":1688.1101},{"sentences":[{"text":"Chartwest.","start":1687.73,"end":1688.23,"sentiment":"neutral","sentiment_score":0.03205230459570885},{"text":"It's kinda like a Bloomberg.","start":1688.415,"end":1689.555,"sentiment":"neutral","sentiment_score":0.026293190196156502},{"text":"Have you ever heard of Bloomberg?","start":1689.775,"end":1690.995,"sentiment":"neutral","sentiment_score":0.003055281937122345}],"sentiment":"neutral","sentiment_score":0.01515416226660212,"channel":0,"num_words":12,"start":1687.73,"end":1690.995},{"sentences":[{"text":"No.","start":1691.4501,"end":1691.9501,"sentiment":"neutral","sentiment_score":-0.02438995242118835}],"sentiment":"neutral","sentiment_score":-0.02438995242118835,"channel":1,"num_words":1,"start":1691.4501,"end":1691.9501},{"sentences":[{"text":"Okay.","start":1692.8151,"end":1693.135,"sentiment":"neutral","sentiment_score":0.018169324845075607},{"text":"So it's it's just means that we can actually plug in the information and pull the data from a fee perspective as well as returns perspective from a different software so that we can insert it in and then compare the two.","start":1693.135,"end":1706.63,"sentiment":"neutral","sentiment_score":0.05618661504593633},{"text":"Okay?","start":1706.9299,"end":1707.4299,"sentiment":"neutral","sentiment_score":0.024504847824573517}],"sentiment":"neutral","sentiment_score":0.05460254555906762,"channel":0,"num_words":44,"start":1692.8151,"end":1707.4299},{"sentences":[{"text":"Yes.","start":1707.005,"end":1707.485,"sentiment":"neutral","sentiment_score":0.02498793788254261},{"text":"Okay.","start":1707.485,"end":1707.985,"sentiment":"neutral","sentiment_score":-0.02397220768034458}],"sentiment":"neutral","sentiment_score":0.0005078651010990143,"channel":1,"num_words":2,"start":1707.005,"end":1707.985},{"sentences":[{"text":"So and I've actually bringing it up now.","start":1708.13,"end":1710.69,"sentiment":"neutral","sentiment_score":-0.11956977006047964},{"text":"So let's just make sure that that that is correct because I don't I don't like that at all.","start":1710.69,"end":1715.19,"sentiment":"negative","sentiment_score":-0.3423371158148113},{"text":"And that is entirely my fault.","start":1715.475,"end":1718.835,"sentiment":"negative","sentiment_score":-0.4979526847600937},{"text":"I do apologize.","start":1718.835,"end":1719.735,"sentiment":"neutral","sentiment_score":-0.192758580048879}],"sentiment":"neutral","sentiment_score":-0.3063043113797903,"channel":0,"num_words":36,"start":1708.13,"end":1719.735},{"sentences":[{"text":"It's okay.","start":1720.13,"end":1720.79,"sentiment":"neutral","sentiment_score":-0.03511921688914299}],"sentiment":"neutral","sentiment_score":-0.03511921688914299,"channel":1,"num_words":2,"start":1720.13,"end":1720.79},{"sentences":[{"text":"I've got the figures here, and you know what?","start":1721.635,"end":1724.615,"sentiment":"neutral","sentiment_score":-0.017768347428904638},{"text":"That is my bad.","start":1726.275,"end":1728.13,"sentiment":"negative","sentiment_score":-0.411465547978878},{"text":"I must have pulled it from the wrong side or something because to give you an idea, the QSuper fees are correct, but that 20 fours I don't know what happened.","start":1728.13,"end":1737.41,"sentiment":"neutral","sentiment_score":-0.2725393546204413},{"text":"The 410 so the difference in fees","start":1737.41,"end":1742.845,"sentiment":"neutral","sentiment_score":-0.037571346919451444}],"sentiment":"neutral","sentiment_score":-0.206225426283245,"channel":0,"num_words":51,"start":1721.635,"end":1742.845},{"sentences":[{"text":"Yes.","start":1743.5701,"end":1744.0701,"sentiment":"neutral","sentiment_score":-0.02061610482633114}],"sentiment":"neutral","sentiment_score":-0.02061610482633114,"channel":1,"num_words":1,"start":1743.5701,"end":1744.0701},{"sentences":[{"text":"I know what happened.","start":1743.725,"end":1744.705,"sentiment":"neutral","sentiment_score":-0.09251634310930967},{"text":"Let me let me send you through I can send you through an email.","start":1745.3251,"end":1748.525,"sentiment":"neutral","sentiment_score":0.02827475145542329},{"text":"But just to give you an idea, the admin fee for Hub twenty four is more expensive.","start":1748.525,"end":1753.005,"sentiment":"neutral","sentiment_score":-0.2122625520124155},{"text":"So it's $598 a year because it's a much more comprehensive fund.","start":1753.005,"end":1757.1901,"sentiment":"neutral","sentiment_score":0.024260731724401314},{"text":"You can invest all the way down to direct shares and equities, and there's thousands of different investments.","start":1757.1901,"end":1761.99,"sentiment":"neutral","sentiment_score":0.20075403443641132}],"sentiment":"neutral","sentiment_score":0.004954140988859133,"channel":0,"num_words":65,"start":1743.725,"end":1761.99},{"sentences":[{"text":"You can invest in, yeah, international direct shares as well.","start":1761.99,"end":1765.61,"sentiment":"neutral","sentiment_score":0.14579296633601188},{"text":"So it means you got a larger array of investment options,","start":1765.83,"end":1768.81,"sentiment":"neutral","sentiment_score":0.11206776648759842}],"sentiment":"neutral","sentiment_score":0.1281273854630334,"channel":0,"num_words":21,"start":1761.99,"end":1768.81},{"sentences":[{"text":"Yes.","start":1768.865,"end":1769.345,"sentiment":"neutral","sentiment_score":0.03336052969098091}],"sentiment":"neutral","sentiment_score":0.03336052969098091,"channel":1,"num_words":1,"start":1768.865,"end":1769.345},{"sentences":[{"text":"but the","start":1768.87,"end":1769.51,"sentiment":"neutral","sentiment_score":-0.012246298603713512}],"sentiment":"neutral","sentiment_score":-0.012246298603713512,"channel":0,"num_words":2,"start":1768.87,"end":1769.51},{"sentences":[{"text":"Yes.","start":1769.345,"end":1769.845,"sentiment":"neutral","sentiment_score":0.006621859967708588}],"sentiment":"neutral","sentiment_score":0.006621859967708588,"channel":1,"num_words":1,"start":1769.345,"end":1769.845},{"sentences":[{"text":"investment fee, looking at your platform, is a $197 a year instead of 608.","start":1769.51,"end":1777.6951,"sentiment":"neutral","sentiment_score":-0.020960023626685143},{"text":"So that means","start":1779.115,"end":1779.915,"sentiment":"neutral","sentiment_score":-0.008438318967819214}],"sentiment":"neutral","sentiment_score":-0.01875031103982645,"channel":0,"num_words":17,"start":1769.51,"end":1779.915},{"sentences":[{"text":"Uh-huh.","start":1779.85,"end":1780.35,"sentiment":"neutral","sentiment_score":-0.025106508284807205}],"sentiment":"neutral","sentiment_score":-0.025106508284807205,"channel":1,"num_words":1,"start":1779.85,"end":1780.35},{"sentences":[{"text":"so the to to answer your question, that negative four ten is the difference in administration fee of q super versus hub 24.","start":1779.995,"end":1788.65,"sentiment":"neutral","sentiment_score":-0.10654998100970102},{"text":"So it's $410 more expensive a year for hub 24 in an administration cost, but","start":1788.7899,"end":1796.275,"sentiment":"neutral","sentiment_score":-0.14091876223683358}],"sentiment":"neutral","sentiment_score":-0.12011660517830598,"channel":0,"num_words":38,"start":1779.995,"end":1796.275},{"sentences":[{"text":"Yes.","start":1796.0751,"end":1796.5751,"sentiment":"neutral","sentiment_score":0.13189515471458435}],"sentiment":"neutral","sentiment_score":0.13189515471458435,"channel":1,"num_words":1,"start":1796.0751,"end":1796.5751},{"sentences":[{"text":"the investment portfolio that I've created for you, which is on the next couple of pages, is a $197 a year.","start":1796.275,"end":1803.3151,"sentiment":"neutral","sentiment_score":0.257482274657204},{"text":"So that's $411 cheaper per year.","start":1803.3151,"end":1807.8,"sentiment":"positive","sentiment_score":0.4471840759118398},{"text":"So you're saving a dollar every","start":1808.6001,"end":1811.4801,"sentiment":"positive","sentiment_score":0.558937206864357}],"sentiment":"positive","sentiment_score":0.3467834989229838,"channel":0,"num_words":33,"start":1796.275,"end":1811.4801},{"sentences":[{"text":"Okay.","start":1811.2999,"end":1811.7999,"sentiment":"positive","sentiment_score":0.48767849802970886}],"sentiment":"positive","sentiment_score":0.48767849802970886,"channel":1,"num_words":1,"start":1811.2999,"end":1811.7999},{"sentences":[{"text":"year for for a essentially, a product that is giving you a 11.55% return, being able to invest in way more investments compared to a 8.77% return per annum.","start":1811.4801,"end":1827.725,"sentiment":"positive","sentiment_score":0.4535482443612197},{"text":"But I'd like to point out what is more important, especially in your case, is, again, those figures because the table shifted over.","start":1828.905,"end":1837.465,"sentiment":"neutral","sentiment_score":-0.015151059902880503},{"text":"Your insurance premiums that I'm recommending between seven because you're currently paying essentially $734 a year or $733.72 a year for your","start":1837.465,"end":1848.8,"sentiment":"neutral","sentiment_score":0.006644607719367327}],"sentiment":"neutral","sentiment_score":0.1750081902504757,"channel":0,"num_words":74,"start":1811.4801,"end":1848.8},{"sentences":[{"text":"Yes.","start":1848.625,"end":1849.125,"sentiment":"neutral","sentiment_score":0.04552903026342392}],"sentiment":"neutral","sentiment_score":0.04552903026342392,"channel":1,"num_words":1,"start":1848.625,"end":1849.125},{"sentences":[{"text":"insurances out of your super.","start":1848.8,"end":1850.5,"sentiment":"neutral","sentiment_score":0.035979106277227405},{"text":"The recommendation for your insurance premiums, if we go down a little bit and if you skip to page I'll go to your insurance, and I'll show you how we calculated it as well.","start":1851.04,"end":1866.365,"sentiment":"neutral","sentiment_score":0.09187396155560718},{"text":"It's it's pretty up there for both of you.","start":1866.66,"end":1868.74,"sentiment":"neutral","sentiment_score":0.2387507806221644},{"text":"So if you wanna skip to page 43,","start":1868.74,"end":1870.76,"sentiment":"neutral","sentiment_score":0.04333185777068138}],"sentiment":"neutral","sentiment_score":0.10355396628645915,"channel":0,"num_words":56,"start":1848.8,"end":1870.76},{"sentences":[{"text":"43.","start":1872.0851,"end":1872.905,"sentiment":"neutral","sentiment_score":0.029698949307203293}],"sentiment":"neutral","sentiment_score":0.029698949307203293,"channel":1,"num_words":1,"start":1872.0851,"end":1872.905},{"sentences":[{"text":"your yeah.","start":1872.66,"end":1873.7001,"sentiment":"neutral","sentiment_score":0.07584524154663086},{"text":"Your insurances the the cheapest product I could find was with a product called ClearView.","start":1873.7001,"end":1878.5801,"sentiment":"neutral","sentiment_score":0.0719463345905145},{"text":"Have you ever heard of ClearView?","start":1878.5801,"end":1879.9601,"sentiment":"neutral","sentiment_score":0.009374854310105244}],"sentiment":"neutral","sentiment_score":0.055962375122243946,"channel":0,"num_words":23,"start":1872.66,"end":1879.9601},{"sentences":[{"text":"No.","start":1880.405,"end":1880.905,"sentiment":"neutral","sentiment_score":-0.07589120417833328}],"sentiment":"neutral","sentiment_score":-0.07589120417833328,"channel":1,"num_words":1,"start":1880.405,"end":1880.905},{"sentences":[{"text":"Okay.","start":1881.885,"end":1882.2051,"sentiment":"neutral","sentiment_score":-0.022623207420110703},{"text":"So there's there's different insurers out there.","start":1882.2051,"end":1884.045,"sentiment":"neutral","sentiment_score":-0.02138077387852328},{"text":"We only in we only recommend investment grade products for investments, which is a if you wanna get technical, triple a, and or a and above.","start":1884.045,"end":1892.865,"sentiment":"neutral","sentiment_score":0.03649852949624451},{"text":"But when it comes to insurance companies, we only have a select a selected number of insurers on our approved product list called ABL.","start":1893.245,"end":1901.7301,"sentiment":"neutral","sentiment_score":-0.04969563599055012},{"text":"And the reason for that is because if we're recommending insurance cover for for clients, we wanna make sure that it's with the company that's got enough money to pay you and not going bust anytime soon.","start":1902.1101,"end":1913.275,"sentiment":"neutral","sentiment_score":-0.21272329341720891}],"sentiment":"neutral","sentiment_score":-0.08722930503028788,"channel":0,"num_words":95,"start":1881.885,"end":1913.275},{"sentences":[{"text":"Right?","start":1913.495,"end":1913.995,"sentiment":"neutral","sentiment_score":0.006897168233990669}],"sentiment":"neutral","sentiment_score":0.006897168233990669,"channel":0,"num_words":1,"start":1913.495,"end":1913.995},{"sentences":[{"text":"Yeah.","start":1913.735,"end":1914.235,"sentiment":"neutral","sentiment_score":-0.015139572322368622}],"sentiment":"neutral","sentiment_score":-0.015139572322368622,"channel":1,"num_words":1,"start":1913.735,"end":1914.235},{"sentences":[{"text":"Which is very important.","start":1915.015,"end":1916.235,"sentiment":"neutral","sentiment_score":0.04516602028161287},{"text":"So on our approved product list, we've got, you know, big big insurance companies such as TAL, Clearview, OnePath, which is Zurich.","start":1916.535,"end":1925.5199,"sentiment":"neutral","sentiment_score":0.047647682103243744},{"text":"Have you ever seen Zurich, the big blue Zurich in capital n letters?","start":1926.1399,"end":1930.96,"sentiment":"neutral","sentiment_score":0.021257765519504365},{"text":"Or you probably would have been in the health industry now.","start":1931.0199,"end":1935.26,"sentiment":"neutral","sentiment_score":-0.00557418345389041},{"text":"Have you ever met life?","start":1935.26,"end":1936.62,"sentiment":"neutral","sentiment_score":-0.004427202418446541}],"sentiment":"neutral","sentiment_score":0.025851127437569878,"channel":0,"num_words":55,"start":1915.015,"end":1936.62},{"sentences":[{"text":"Anyone any of those guys 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insurance company in Australia.","start":1942.275,"end":1947.3351,"sentiment":"neutral","sentiment_score":0.07746564732356505},{"text":"They're the one that's closest, t a l, tal, t a l, the capital three green letters.","start":1948.435,"end":1954.4551,"sentiment":"neutral","sentiment_score":0.04724748870905708}],"sentiment":"neutral","sentiment_score":0.03303844206085479,"channel":0,"num_words":37,"start":1938.8351,"end":1954.4551},{"sentences":[{"text":"The this Australian Life stands for.","start":1954.9,"end":1957.24,"sentiment":"neutral","sentiment_score":0.09088477740685146},{"text":"But, yeah, they they're massive, massive companies, and Clearview actually ended up not being the most comprehensive in terms of racing, but the cheapest for you.","start":1957.38,"end":1967.06,"sentiment":"neutral","sentiment_score":0.0028996669615690526},{"text":"Now it is a","start":1967.06,"end":1967.78,"sentiment":"neutral","sentiment_score":-0.10280489735305309}],"sentiment":"neutral","sentiment_score":0.005818900445269214,"channel":0,"num_words":36,"start":1954.9,"end":1967.78},{"sentences":[{"text":"Okay.","start":1967.745,"end":1968.245,"sentiment":"neutral","sentiment_score":-0.17140260338783264}],"sentiment":"neutral","sentiment_score":-0.17140260338783264,"channel":1,"num_words":1,"start":1967.745,"end":1968.245},{"sentences":[{"text":"lot when I say when I say cheap, it's a lot more expensive than what you're paying now, and the reason for that is because we're recommending a lot more cover.","start":1967.78,"end":1975.485,"sentiment":"neutral","sentiment_score":-0.32113148944993175},{"text":"Okay?","start":1976.025,"end":1976.425,"sentiment":"neutral","sentiment_score":-0.0728522390127182},{"text":"We're recommending $1,500,000 worth of life cover","start":1976.425,"end":1979.805,"sentiment":"neutral","sentiment_score":-0.06091052220602121}],"sentiment":"neutral","sentiment_score":-0.26805902736930126,"channel":0,"num_words":39,"start":1967.78,"end":1979.805},{"sentences":[{"text":"Yeah.","start":1979.32,"end":1979.82,"sentiment":"neutral","sentiment_score":-0.04286321625113487}],"sentiment":"neutral","sentiment_score":-0.04286321625113487,"channel":1,"num_words":1,"start":1979.32,"end":1979.82},{"sentences":[{"text":"and","start":1980.105,"end":1980.265,"sentiment":"neutral","sentiment_score":-0.04488950967788696}],"sentiment":"neutral","sentiment_score":-0.04488950967788696,"channel":0,"num_words":1,"start":1980.105,"end":1980.265},{"sentences":[{"text":"Yeah.","start":1980.12,"end":1980.62,"sentiment":"neutral","sentiment_score":-0.018633663654327393}],"sentiment":"neutral","sentiment_score":-0.018633663654327393,"channel":1,"num_words":1,"start":1980.12,"end":1980.62},{"sentences":[{"text":"the same for TPD that's linked.","start":1980.265,"end":1982.19,"sentiment":"neutral","sentiment_score":-0.004994019633159042},{"text":"But if you look at your income protection, it's $6,417 per month, and I'm gonna cover you all the way up to age 65.","start":1982.99,"end":1993.97,"sentiment":"neutral","sentiment_score":-0.03923273936379701}],"sentiment":"neutral","sentiment_score":-0.03238499541766941,"channel":0,"num_words":30,"start":1980.265,"end":1993.97},{"sentences":[{"text":"Yes.","start":1994.645,"end":1994.725,"sentiment":"neutral","sentiment_score":0.02965148352086544},{"text":"Yes.","start":1994.725,"end":1995.225,"sentiment":"neutral","sentiment_score":0.027796728536486626}],"sentiment":"neutral","sentiment_score":0.028724106028676033,"channel":1,"num_words":2,"start":1994.645,"end":1995.225},{"sentences":[{"text":"So if you were to claim on this and you weren't able to return back to work for any any reason because of injury and illness, then this will carry on paying you all the way up to age 65.","start":1994.745,"end":2005.245,"sentiment":"neutral","sentiment_score":-0.04020113693550229},{"text":"But more importantly, the waiting period is thirty days.","start":2005.305,"end":2009.4501,"sentiment":"neutral","sentiment_score":-0.053226071099440254}],"sentiment":"neutral","sentiment_score":-0.042593471781939875,"channel":0,"num_words":49,"start":1994.745,"end":2009.4501},{"sentences":[{"text":"Yes.","start":2010.02,"end":2010.52,"sentiment":"neutral","sentiment_score":0.025498930364847183}],"sentiment":"neutral","sentiment_score":0.025498930364847183,"channel":1,"num_words":1,"start":2010.02,"end":2010.52},{"sentences":[{"text":"So same scenario, broken leg, you off work for three months, two months, other three months, you'll get paid 70% of your income, which is that $6,417 a month.","start":2011.03,"end":2023.135,"sentiment":"neutral","sentiment_score":0.04597124341746856}],"sentiment":"neutral","sentiment_score":0.04597124341746856,"channel":0,"num_words":29,"start":2011.03,"end":2023.135},{"sentences":[{"text":"Yeah.","start":2023.0651,"end":2023.5651,"sentiment":"neutral","sentiment_score":0.024412080645561215}],"sentiment":"neutral","sentiment_score":0.024412080645561215,"channel":1,"num_words":1,"start":2023.0651,"end":2023.5651},{"sentences":[{"text":"Okay?","start":2023.515,"end":2024.015,"sentiment":"neutral","sentiment_score":0.015942467376589775}],"sentiment":"neutral","sentiment_score":0.015942467376589775,"channel":0,"num_words":1,"start":2023.515,"end":2024.015},{"sentences":[{"text":"Passage.","start":2023.7051,"end":2024.2051,"sentiment":"neutral","sentiment_score":-0.11288133263587952}],"sentiment":"neutral","sentiment_score":-0.11288133263587952,"channel":1,"num_words":1,"start":2023.7051,"end":2024.2051},{"sentences":[{"text":"Okay.","start":2025.355,"end":2025.835,"sentiment":"neutral","sentiment_score":-0.035630516707897186},{"text":"Now the next question is you're looking at a big number, 1,500,000, because the overall premium that will be charged out of your super fund is $3,710.71 per annum.","start":2025.835,"end":2038.97,"sentiment":"neutral","sentiment_score":-0.04966706589891993}],"sentiment":"neutral","sentiment_score":-0.049199180925885835,"channel":0,"num_words":30,"start":2025.355,"end":2038.97},{"sentences":[{"text":"Yes.","start":2039.62,"end":2039.955,"sentiment":"neutral","sentiment_score":-0.0114631075412035}],"sentiment":"neutral","sentiment_score":-0.0114631075412035,"channel":1,"num_words":1,"start":2039.62,"end":2039.955},{"sentences":[{"text":"K?","start":2040.63,"end":2040.95,"sentiment":"neutral","sentiment_score":-0.042432818561792374},{"text":"And every year that you get older, that increases because you get riskier to an insurance company.","start":2040.95,"end":2046.33,"sentiment":"neutral","sentiment_score":-0.32789754911380653},{"text":"So it does get more expensive.","start":2046.47,"end":2048.01,"sentiment":"negative","sentiment_score":-0.39935308198134106},{"text":"For that reason, I've also done a a recommendation of trauma, which","start":2049.655,"end":2052.855,"sentiment":"neutral","sentiment_score":-0.02289283632611235}],"sentiment":"neutral","sentiment_score":-0.23020899114716384,"channel":0,"num_words":36,"start":2040.63,"end":2052.855},{"sentences":[{"text":"Yep.","start":2052.77,"end":2053.27,"sentiment":"neutral","sentiment_score":0.05151718109846115}],"sentiment":"neutral","sentiment_score":0.05151718109846115,"channel":1,"num_words":1,"start":2052.77,"end":2053.27},{"sentences":[{"text":"you pay out of pocket.","start":2052.855,"end":2054.135,"sentiment":"neutral","sentiment_score":0.043488502874970435},{"text":"This covers child trauma.","start":2054.135,"end":2055.9749,"sentiment":"neutral","sentiment_score":0.06533703487366438},{"text":"So that's just I did a one year's worth of income to a 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know?","start":2389.395,"end":2389.7952,"sentiment":"neutral","sentiment_score":0.07169438153505325},{"text":"Accounts is a big thing.","start":2389.7952,"end":2390.935,"sentiment":"neutral","sentiment_score":0.1898295536637306}],"sentiment":"neutral","sentiment_score":0.23852533343083718,"channel":0,"num_words":34,"start":2379.67,"end":2390.935},{"sentences":[{"text":"Yep.","start":2390.935,"end":2391.175,"sentiment":"neutral","sentiment_score":0.2111893743276596},{"text":"Specialty and finals Queensland.","start":2391.175,"end":2392.7952,"sentiment":"neutral","sentiment_score":0.23391549289226532}],"sentiment":"neutral","sentiment_score":0.22937026917934417,"channel":1,"num_words":5,"start":2390.935,"end":2392.7952},{"sentences":[{"text":"Exactly.","start":2394.0352,"end":2394.5352,"sentiment":"positive","sentiment_score":0.4118325710296631},{"text":"So it's definitely something that you wanna 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down.","start":2433.0498,"end":2439.69,"sentiment":"neutral","sentiment_score":0.2974178029431237},{"text":"Right?","start":2439.69,"end":2440.19,"sentiment":"neutral","sentiment_score":0.1575197875499725},{"text":"So","start":2440.725,"end":2441.225,"sentiment":"neutral","sentiment_score":0.1860110908746719}],"sentiment":"neutral","sentiment_score":0.27911196262748156,"channel":0,"num_words":27,"start":2430.01,"end":2441.225},{"sentences":[{"text":"Yes.","start":2440.735,"end":2441.235,"sentiment":"neutral","sentiment_score":0.2995625138282776}],"sentiment":"neutral","sentiment_score":0.2995625138282776,"channel":1,"num_words":1,"start":2440.735,"end":2441.235},{"sentences":[{"text":"the whole point is to be self insured.","start":2441.6052,"end":2443.685,"sentiment":"positive","sentiment_score":0.352303683757782},{"text":"Because if you had $1,500,000 in cash with your current situation, then you wouldn't need to pay some other bloke a premium every year, 3,000, $4,000 a year to 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equity.","start":2482.125,"end":2497.245,"sentiment":"neutral","sentiment_score":0.01935174110202262}],"sentiment":"neutral","sentiment_score":0.025904035653978114,"channel":0,"num_words":63,"start":2479.245,"end":2497.245},{"sentences":[{"text":"Yes.","start":2497.895,"end":2498.395,"sentiment":"neutral","sentiment_score":0.1428491771221161}],"sentiment":"neutral","sentiment_score":0.1428491771221161,"channel":1,"num_words":1,"start":2497.895,"end":2498.395},{"sentences":[{"text":"Or if you're in a fortunate enough position, have multiple investment properties that are actually bringing you positive gearing, and then you, you know, you essentially have after all the rents, rates, fees, all the the deductions and everything, every year, you can have an investment portfolio of properties that brings in income of $6,417 a month.","start":2498.2852,"end":2517.75,"sentiment":"neutral","sentiment_score":0.27193773426769074},{"text":"Because then you don't need to pay for an income 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to.","start":2526.085,"end":2528.565,"sentiment":"positive","sentiment_score":0.4682112783193588},{"text":"Right?","start":2528.565,"end":2529.065,"sentiment":"neutral","sentiment_score":0.15203872323036194}],"sentiment":"positive","sentiment_score":0.518767342755669,"channel":0,"num_words":19,"start":2523.365,"end":2529.065},{"sentences":[{"text":"So, no, we don't increase it.","start":2529.365,"end":2531.365,"sentiment":"neutral","sentiment_score":-0.2398996502161026},{"text":"We do review your insurances comprehensively every twelve months because I'm not a fan of insurance.","start":2531.365,"end":2536.565,"sentiment":"neutral","sentiment_score":-0.26020319759845734},{"text":"It's a necessary evil.","start":2536.565,"end":2538.185,"sentiment":"negative","sentiment_score":-0.5780067443847656},{"text":"That's why I wanted to give you a recommendation on your superannuation as 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sense.","start":2576.57,"end":2577.55,"sentiment":"neutral","sentiment_score":0.30607034762700397}],"sentiment":"neutral","sentiment_score":0.30607034762700397,"channel":1,"num_words":3,"start":2576.57,"end":2577.55},{"sentences":[{"text":"You know what I mean?","start":2578.1301,"end":2578.85,"sentiment":"neutral","sentiment_score":0.16868549585342407},{"text":"So it's really important to balance that out.","start":2578.85,"end":2580.69,"sentiment":"neutral","sentiment_score":0.22123094275593758},{"text":"And like I like I said before, we review this really, really thoroughly every 12 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strategy's got the what we're doing, why it's in your best interest, how we've calculated it, the outcomes, which includes advantages and disadvantages, as you","start":2603.76,"end":2615.2651,"sentiment":"neutral","sentiment_score":0.22838271617451134}],"sentiment":"neutral","sentiment_score":0.19829843994015936,"channel":0,"num_words":87,"start":2588.645,"end":2615.2651},{"sentences":[{"text":"Yes.","start":2615.235,"end":2615.735,"sentiment":"neutral","sentiment_score":0.08067337423563004}],"sentiment":"neutral","sentiment_score":0.08067337423563004,"channel":1,"num_words":1,"start":2615.235,"end":2615.735},{"sentences":[{"text":"can see on page 49.","start":2615.2651,"end":2616.8052,"sentiment":"neutral","sentiment_score":0.0651956856250763},{"text":"And there there's a lot of them.","start":2617.2651,"end":2619.125,"sentiment":"neutral","sentiment_score":-0.0007185645268431731},{"text":"And the risks included in all of this example, maybe you don't claim, and then you don't get a refund of all the insurance premiums.","start":2619.3452,"end":2627.58,"sentiment":"negative","sentiment_score":-0.49567625045776365},{"text":"You know?","start":2628.04,"end":2628.4402,"sentiment":"neutral","sentiment_score":-0.14890705049037933},{"text":"There's we take all that into consideration.","start":2628.4402,"end":2630.3,"sentiment":"neutral","sentiment_score":-0.060752074633325846}],"sentiment":"neutral","sentiment_score":-0.2781312262700142,"channel":0,"num_words":46,"start":2615.2651,"end":2630.3},{"sentences":[{"text":"And then if you go all the way down to page, you know, page 53, those are some alternatives we considered as well.","start":2630.6,"end":2637.955,"sentiment":"neutral","sentiment_score":0.06676674553233644},{"text":"So every strategy including super and Brandon's insurance recommendations has all of these.","start":2638.095,"end":2644.0151,"sentiment":"neutral","sentiment_score":0.23349722016316193},{"text":"So I'll let you read in your own time, but this is just from a compliance point of view.","start":2644.0151,"end":2647.695,"sentiment":"neutral","sentiment_score":0.11115820313754834},{"text":"We have to put these in in writing so that you can understand why we recommended what we 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to page page 44 oh, sorry.","start":2663.575,"end":2668.455,"sentiment":"neutral","sentiment_score":0.04741553341348966},{"text":"43, we can look at what we're recommending and why we recommend now it gives you an understanding of why we need to recommend that amount of cover for what we're recommending.","start":2668.455,"end":2677.2751,"sentiment":"neutral","sentiment_score":0.10461904108524323}],"sentiment":"neutral","sentiment_score":0.09324125372977168,"channel":0,"num_words":54,"start":2658.38,"end":2677.2751},{"sentences":[{"text":"Yes.","start":2679.24,"end":2679.74,"sentiment":"neutral","sentiment_score":0.14815571904182434}],"sentiment":"neutral","sentiment_score":0.14815571904182434,"channel":1,"num_words":1,"start":2679.24,"end":2679.74},{"sentences":[{"text":"Does that all kind of and you see how it all works 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what's what's what's interesting as well is we actually got your cover even though you need to be covered for a little bit more than 1.5 mil, we dropped down to 1.5 mil because you get a discount.","start":2861.95,"end":2873.495,"sentiment":"neutral","sentiment_score":0.18634679015630332},{"text":"So at 500,000, 750,000, 1,000,000, and 1,500,000","start":2873.495,"end":2878.48,"sentiment":"neutral","sentiment_score":0.23340102178709848}],"sentiment":"neutral","sentiment_score":0.19350721670881563,"channel":0,"num_words":46,"start":2861.95,"end":2878.48},{"sentences":[{"text":"Action.","start":2878.22,"end":2878.72,"sentiment":"neutral","sentiment_score":0.2635379433631897}],"sentiment":"neutral","sentiment_score":0.2635379433631897,"channel":1,"num_words":1,"start":2878.22,"end":2878.72},{"sentences":[{"text":"and 2,000,000, you get a discount on the premium.","start":2878.48,"end":2881.6199,"sentiment":"neutral","sentiment_score":0.3242269522613949},{"text":"So what I mean by that is yes.","start":2882.0,"end":2884.0,"sentiment":"neutral","sentiment_score":0.17877634428441525},{"text":"We but if what I mean by that is, let's just say you need cover for 1,390,000.","start":2884.0,"end":2889.22,"sentiment":"neutral","sentiment_score":0.04567025930565946},{"text":"Right?","start":2889.465,"end":2889.965,"sentiment":"neutral","sentiment_score":0.05395431071519852},{"text":"More","start":2890.5852,"end":2890.985,"sentiment":"neutral","sentiment_score":0.08370097726583481}],"sentiment":"neutral","sentiment_score":0.14617508391125333,"channel":0,"num_words":36,"start":2878.48,"end":2890.985},{"sentences":[{"text":"Yes.","start":2890.6199,"end":2891.055,"sentiment":"neutral","sentiment_score":0.13428902626037598}],"sentiment":"neutral","sentiment_score":0.13428902626037598,"channel":1,"num_words":1,"start":2890.6199,"end":2891.055},{"sentences":[{"text":"often than not, if you look at doing the exact same quote and you bump that life and TPD cover up to 1,500,000, you","start":2890.985,"end":2898.425,"sentiment":"neutral","sentiment_score":0.18572391383349895}],"sentiment":"neutral","sentiment_score":0.18572391383349895,"channel":0,"num_words":24,"start":2890.985,"end":2898.425},{"sentences":[{"text":"It's","start":2898.415,"end":2898.655,"sentiment":"neutral","sentiment_score":0.29252803325653076}],"sentiment":"neutral","sentiment_score":0.29252803325653076,"channel":1,"num_words":1,"start":2898.415,"end":2898.655},{"sentences":[{"text":"actually","start":2898.425,"end":2898.8252,"sentiment":"positive","sentiment_score":0.35181114077568054}],"sentiment":"positive","sentiment_score":0.35181114077568054,"channel":0,"num_words":1,"start":2898.425,"end":2898.8252},{"sentences":[{"text":"the same.","start":2898.655,"end":2899.315,"sentiment":"neutral","sentiment_score":0.30394721031188965}],"sentiment":"neutral","sentiment_score":0.30394721031188965,"channel":1,"num_words":2,"start":2898.655,"end":2899.315},{"sentences":[{"text":"have a cheaper no.","start":2898.8252,"end":2900.105,"sentiment":"neutral","sentiment_score":0.21299387887120247},{"text":"Yeah.","start":2900.105,"end":2900.3452,"sentiment":"neutral","sentiment_score":0.26924681663513184},{"text":"Well, you get a cheaper premium sometimes.","start":2900.3452,"end":2902.2852,"sentiment":"positive","sentiment_score":0.43514556544167654},{"text":"Yeah.","start":2902.3452,"end":2902.8452,"sentiment":"neutral","sentiment_score":0.2995765209197998}],"sentiment":"positive","sentiment_score":0.34360137008703673,"channel":0,"num_words":13,"start":2898.8252,"end":2902.8452},{"sentences":[{"text":"Oh, wow.","start":2902.9749,"end":2903.4548,"sentiment":"positive","sentiment_score":0.48169098794460297},{"text":"That's crazy.","start":2903.4548,"end":2904.275,"sentiment":"positive","sentiment_score":0.5465360879898071}],"sentiment":"positive","sentiment_score":0.514113537967205,"channel":1,"num_words":4,"start":2902.9749,"end":2904.275},{"sentences":[{"text":"Yeah.","start":2904.3699,"end":2904.77,"sentiment":"positive","sentiment_score":0.41153162717819214},{"text":"So you get it's just like a incentive to kind of get more cover and just part to be competitive.","start":2904.77,"end":2911.03,"sentiment":"positive","sentiment_score":0.4962466090917587},{"text":"Somebody somewhere along the way, an insurance company did it.","start":2911.17,"end":2913.89,"sentiment":"neutral","sentiment_score":0.1369418017566204},{"text":"But ever all insurance companies do it now.","start":2913.89,"end":2915.97,"sentiment":"neutral","sentiment_score":0.08521388564258814},{"text":"You find the most benefit close to a million.","start":2915.97,"end":2918.23,"sentiment":"positive","sentiment_score":0.34520184331470066}],"sentiment":"neutral","sentiment_score":0.3228001979490121,"channel":0,"num_words":48,"start":2904.3699,"end":2918.23},{"sentences":[{"text":"So if you need to be covered for 922,000, I think it is, is round about the average point.","start":2918.405,"end":2924.005,"sentiment":"neutral","sentiment_score":0.21413462334557584},{"text":"It's actually the same amount of premium that you gotta pay every year for a million dollars worth of cover.","start":2924.005,"end":2928.7249,"sentiment":"neutral","sentiment_score":0.18501305766403675},{"text":"So you must okay.","start":2928.7249,"end":2929.365,"sentiment":"neutral","sentiment_score":0.18852026388049126},{"text":"Couple for the extra $80.","start":2929.365,"end":2930.885,"sentiment":"neutral","sentiment_score":0.1549761563539505},{"text":"Alright?","start":2930.885,"end":2931.385,"sentiment":"neutral","sentiment_score":0.10613249987363815}],"sentiment":"neutral","sentiment_score":0.19191659865330676,"channel":0,"num_words":49,"start":2918.405,"end":2931.385},{"sentences":[{"text":"Yeah.","start":2931.4749,"end":2931.9749,"sentiment":"neutral","sentiment_score":0.0533323846757412},{"text":"Yeah.","start":2932.115,"end":2932.615,"sentiment":"neutral","sentiment_score":0.028501559048891068}],"sentiment":"neutral","sentiment_score":0.04091697186231613,"channel":1,"num_words":2,"start":2931.4749,"end":2932.615},{"sentences":[{"text":"Yeah.","start":2932.82,"end":2933.14,"sentiment":"neutral","sentiment_score":0.000591672956943512},{"text":"So that's just a little bit of insight.","start":2933.14,"end":2934.92,"sentiment":"neutral","sentiment_score":-0.005634569242829457},{"text":"But, again, it is expensive.","start":2935.22,"end":2936.76,"sentiment":"neutral","sentiment_score":-0.32047785222530367},{"text":"It's gonna be $3,710.71 per annum.","start":2937.14,"end":2941.56,"sentiment":"neutral","sentiment_score":-0.15731976677974066},{"text":"And,","start":2941.7,"end":2941.94,"sentiment":"neutral","sentiment_score":-0.050816573202610016}],"sentiment":"neutral","sentiment_score":-0.12579091980920307,"channel":0,"num_words":21,"start":2932.82,"end":2941.94},{"sentences":[{"text":"Yep.","start":2941.93,"end":2942.43,"sentiment":"neutral","sentiment_score":-0.01780073344707489}],"sentiment":"neutral","sentiment_score":-0.01780073344707489,"channel":1,"num_words":1,"start":2941.93,"end":2942.43},{"sentences":[{"text":"again, we try and and it increases it over time.","start":2941.94,"end":2945.08,"sentiment":"neutral","sentiment_score":-0.003967044502496719}],"sentiment":"neutral","sentiment_score":-0.003967044502496719,"channel":0,"num_words":10,"start":2941.94,"end":2945.08},{"sentences":[{"text":"Yep.","start":2945.3699,"end":2945.8699,"sentiment":"neutral","sentiment_score":-0.025648120790719982}],"sentiment":"neutral","sentiment_score":-0.025648120790719982,"channel":1,"num_words":1,"start":2945.3699,"end":2945.8699},{"sentences":[{"text":"Every year as the policy comes to renewal because you get a year old and it gets you get more risky.","start":2945.805,"end":2951.9849,"sentiment":"neutral","sentiment_score":-0.24007379441034227},{"text":"So what we","start":2952.045,"end":2952.605,"sentiment":"neutral","sentiment_score":-0.020415681103865307}],"sentiment":"neutral","sentiment_score":-0.21261653024703264,"channel":0,"num_words":24,"start":2945.805,"end":2952.605},{"sentences":[{"text":"Yep.","start":2952.5752,"end":2953.0752,"sentiment":"neutral","sentiment_score":0.03793487697839737}],"sentiment":"neutral","sentiment_score":0.03793487697839737,"channel":1,"num_words":1,"start":2952.5752,"end":2953.0752},{"sentences":[{"text":"do is we try and reduce the sum insured to in line with your needs to reduce that premium down to keep it around about the same every year.","start":2952.605,"end":2960.7048,"sentiment":"neutral","sentiment_score":0.0670859763591454}],"sentiment":"neutral","sentiment_score":0.0670859763591454,"channel":0,"num_words":29,"start":2952.605,"end":2960.7048},{"sentences":[{"text":"Okay.","start":2961.43,"end":2961.93,"sentiment":"neutral","sentiment_score":0.07833097875118256}],"sentiment":"neutral","sentiment_score":0.07833097875118256,"channel":1,"num_words":1,"start":2961.43,"end":2961.93},{"sentences":[{"text":"K.","start":2963.03,"end":2963.43,"sentiment":"neutral","sentiment_score":0.04628230258822441},{"text":"Do you have any questions, concerns, or anything before I move back to Brendan's?","start":2963.43,"end":2966.81,"sentiment":"neutral","sentiment_score":0.030965052545070648},{"text":"Or","start":2966.95,"end":2967.27,"sentiment":"neutral","sentiment_score":0.036581315100193024}],"sentiment":"neutral","sentiment_score":0.03227339708246291,"channel":0,"num_words":16,"start":2963.03,"end":2967.27},{"sentences":[{"text":"Just about the benefit period with mine.","start":2971.19,"end":2974.6501,"sentiment":"neutral","sentiment_score":0.01923618678535734}],"sentiment":"neutral","sentiment_score":0.01923618678535734,"channel":1,"num_words":7,"start":2971.19,"end":2974.6501},{"sentences":[{"text":"yep.","start":2974.31,"end":2974.81,"sentiment":"neutral","sentiment_score":0.06570928543806076},{"text":"Yep.","start":2975.35,"end":2975.85,"sentiment":"neutral","sentiment_score":-0.0261253472417593}],"sentiment":"neutral","sentiment_score":0.01979196909815073,"channel":0,"num_words":2,"start":2974.31,"end":2975.85},{"sentences":[{"text":"I thought that you said it would be good to do it only for the five years because if it if it went over the five years, it would be TPD.","start":2976.145,"end":2983.765,"sentiment":"neutral","sentiment_score":-0.008546346137600561}],"sentiment":"neutral","sentiment_score":-0.008546346137600561,"channel":1,"num_words":31,"start":2976.145,"end":2983.765},{"sentences":[{"text":"Absolutely.","start":2985.065,"end":2985.565,"sentiment":"positive","sentiment_score":0.6658691763877869},{"text":"So I'm glad you brought that up because I can definitely do quotes for two years, five years, age two age 60, and two age 65.","start":2986.185,"end":2996.79,"sentiment":"positive","sentiment_score":0.7064125400323135},{"text":"So this is this is where it goes.","start":2997.89,"end":3001.0898,"sentiment":"positive","sentiment_score":0.5295370481908321},{"text":"This is where it comes back to what it means in your superannuation because your super is paying for it.","start":3001.0898,"end":3007.235,"sentiment":"positive","sentiment_score":0.4648619756102562}],"sentiment":"positive","sentiment_score":0.5921114748174494,"channel":0,"num_words":55,"start":2985.065,"end":3007.235},{"sentences":[{"text":"Yes.","start":3007.585,"end":3008.085,"sentiment":"neutral","sentiment_score":0.2503880560398102}],"sentiment":"neutral","sentiment_score":0.2503880560398102,"channel":1,"num_words":1,"start":3007.585,"end":3008.085},{"sentences":[{"text":"K?","start":3007.695,"end":3008.195,"sentiment":"neutral","sentiment_score":0.16648174822330475},{"text":"So what it looks like is to get the full beans, the full comprehensive cover, all the way up to age 65 with no mortgage and extra cover for the TPD if that were to occur, then, yeah, absolutely, it can be five years.","start":3008.2551,"end":3024.32,"sentiment":"neutral","sentiment_score":0.2961629678241231},{"text":"But if you get a TPD payout and pay your mortgage off, it would be beneficial to have, you know, ongoing monthly revenue or income all the way up to 65 when the reason why we put it to 65 is what we call the full beans is because that's when you start accessing your government pension.","start":3024.54,"end":3042.945,"sentiment":"positive","sentiment_score":0.34750494570062873},{"text":"So you essentially have income every month coming in and then to a point where you can get fortnightly Social Security benefits as well.","start":3042.945,"end":3051.4902,"sentiment":"positive","sentiment_score":0.4134756848216057},{"text":"So that's that's what the cover is for.","start":3051.87,"end":3054.2102,"sentiment":"positive","sentiment_score":0.4512307085096836}],"sentiment":"positive","sentiment_score":0.3473037040389296,"channel":0,"num_words":134,"start":3007.695,"end":3054.2102},{"sentences":[{"text":"The reason why I wanted to give you the total amount all the way up to age 65 is because of your, again, superannuation.","start":3054.51,"end":3061.105,"sentiment":"neutral","sentiment_score":0.2521548941731453},{"text":"So if you wanna go to page page 27 for me.","start":3061.565,"end":3067.005,"sentiment":"neutral","sentiment_score":0.11263379623944109},{"text":"Let's go back to that fee comparison table.","start":3067.005,"end":3069.265,"sentiment":"neutral","sentiment_score":0.1434921445325017},{"text":"I wanna show you the benefits of having all the cover.","start":3070.365,"end":3074.22,"sentiment":"neutral","sentiment_score":0.31118692457675934},{"text":"But to drop it to five years, that's gonna reduce the premium down to the $2.5 kind of region.","start":3074.22,"end":3081.2,"sentiment":"neutral","sentiment_score":0.2134030998537415}],"sentiment":"neutral","sentiment_score":0.21803207455636703,"channel":0,"num_words":73,"start":3054.51,"end":3081.2},{"sentences":[{"text":"So 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year outcome, and then I did to age 60, when you can access super, and you indicated by that age you wanted to retire on that, I believe, a thousand dollars a month.","start":3107.92,"end":3117.675,"sentiment":"neutral","sentiment_score":0.0751617437995532},{"text":"Oh, sorry.","start":3117.675,"end":3118.155,"sentiment":"neutral","sentiment_score":-0.08855092711746693},{"text":"A thousand dollars a week with no debt.","start":3118.155,"end":3121.595,"sentiment":"neutral","sentiment_score":-0.060120075941085815},{"text":"Do you remember that conversation?","start":3121.595,"end":3122.8152,"sentiment":"neutral","sentiment_score":-0.07191322520375251}],"sentiment":"neutral","sentiment_score":0.031385116355151545,"channel":0,"num_words":49,"start":3107.92,"end":3122.8152},{"sentences":[{"text":"No.","start":3125.055,"end":3125.455,"sentiment":"neutral","sentiment_score":-0.291733980178833},{"text":"Sorry.","start":3125.455,"end":3125.775,"sentiment":"negative","sentiment_score":-0.33919692039489746},{"text":"I'm I'm a bit confused.","start":3125.775,"end":3127.395,"sentiment":"negative","sentiment_score":-0.4644003450870514}],"sentiment":"negative","sentiment_score":-0.4218475180012839,"channel":1,"num_words":7,"start":3125.055,"end":3127.395},{"sentences":[{"text":"No.","start":3127.9302,"end":3128.1702,"sentiment":"neutral","sentiment_score":-0.2790278196334839},{"text":"That's okay.","start":3128.1702,"end":3128.8901,"sentiment":"neutral","sentiment_score":-0.0851878672838211},{"text":"So when we when we had our initial consultation, you","start":3128.8901,"end":3131.61,"sentiment":"neutral","sentiment_score":0.047150577791035174}],"sentiment":"neutral","sentiment_score":0.0017001710545558196,"channel":0,"num_words":13,"start":3127.9302,"end":3131.61},{"sentences":[{"text":"Yep.","start":3131.535,"end":3132.035,"sentiment":"neutral","sentiment_score":0.07088553160429001}],"sentiment":"neutral","sentiment_score":0.07088553160429001,"channel":1,"num_words":1,"start":3131.535,"end":3132.035},{"sentences":[{"text":"one of the one of the questions that I I asked was when you get to retirement and you both decide to hang up your boots, what does that look like?","start":3131.85,"end":3140.185,"sentiment":"neutral","sentiment_score":-0.008732884160933955},{"text":"What when do you wanna retire?","start":3140.185,"end":3141.805,"sentiment":"neutral","sentiment_score":-0.05368117491404215},{"text":"And on how much per week if you had no mortgage, no debts, what what would that look like?","start":3141.945,"end":3147.565,"sentiment":"neutral","sentiment_score":-0.009782316849419945},{"text":"And we kinda came to the number of $1,000 a week or $52,000 a year.","start":3147.625,"end":3152.765,"sentiment":"neutral","sentiment_score":0.10836160232623418},{"text":"So a thousand dollars a week to be able to it's about three overseas holidays a year.","start":3152.825,"end":3157.04,"sentiment":"neutral","sentiment_score":0.12528547403566978}],"sentiment":"neutral","sentiment_score":0.03382507516917857,"channel":0,"num_words":88,"start":3131.85,"end":3157.04},{"sentences":[{"text":"The kids have moved out.","start":3157.04,"end":3158.4202,"sentiment":"neutral","sentiment_score":0.06059713661670685},{"text":"That's what we kind of determined would be a suitable income per week to be able to live on.","start":3158.8801,"end":3165.3,"sentiment":"neutral","sentiment_score":0.2033208004738155},{"text":"Right?","start":3165.76,"end":3166.26,"sentiment":"neutral","sentiment_score":0.05283135175704956},{"text":"Do you remember that?","start":3166.475,"end":3167.355,"sentiment":"neutral","sentiment_score":0.008687520399689674},{"text":"Or","start":3167.355,"end":3167.855,"sentiment":"neutral","sentiment_score":-0.02609088644385338}],"sentiment":"neutral","sentiment_score":0.14091904796659946,"channel":0,"num_words":30,"start":3157.04,"end":3167.855},{"sentences":[{"text":"Sort of.","start":3170.3801,"end":3171.2,"sentiment":"neutral","sentiment_score":-0.053252325393259525},{"text":"But a 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to work towards the number of a thousand dollars per week and have a certain balance to be able to achieve that on a certain return.","start":3187.69,"end":3195.615,"sentiment":"positive","sentiment_score":0.3751754960976541},{"text":"Because if you add a 1,000,000 to so the numbers I was working with was with everything included, can we guess your superannuations to a position where you can essentially with cover of insurance the whole way through to cover your needs and hopefully, eventually, bring it reduce it down to nothing.","start":3195.675,"end":3212.95,"sentiment":"neutral","sentiment_score":0.1853590917128783},{"text":"But to cover your needs where we can have a balance of $4,000 a week to live on to be fully financially free.","start":3213.1702,"end":3221.295,"sentiment":"positive","sentiment_score":0.34166268615618994},{"text":"If you have a thousand dollars a week, there's fifty two weeks in a 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no.","start":3353.18,"end":3354.22,"sentiment":"neutral","sentiment_score":-0.16444068402051926},{"text":"Because","start":3354.22,"end":3354.72,"sentiment":"neutral","sentiment_score":-0.06812053918838501}],"sentiment":"neutral","sentiment_score":-0.13233396907647452,"channel":0,"num_words":3,"start":3353.18,"end":3354.72},{"sentences":[{"text":"Yep.","start":3354.5452,"end":3355.0452,"sentiment":"neutral","sentiment_score":-0.03030977211892605}],"sentiment":"neutral","sentiment_score":-0.03030977211892605,"channel":1,"num_words":1,"start":3354.5452,"end":3355.0452},{"sentences":[{"text":"if you see the second line, it says lump sum by age 60.","start":3355.02,"end":3358.16,"sentiment":"neutral","sentiment_score":-0.016537298233463213},{"text":"So thirty two years.","start":3359.3398,"end":3360.46,"sentiment":"neutral","sentiment_score":-0.0032527639996260405},{"text":"You see 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covering you for insurances, but getting your super to pay for it, I wanna know the effects of what your suit that looks like for your superannuation.","start":3372.5151,"end":3380.7202,"sentiment":"neutral","sentiment_score":-0.04525970033137128},{"text":"So if you got if you left everything as is with q super, but have cover that you're paying since you're on page 27, you're paying $734 a year for that current insurance.","start":3381.58,"end":3393.875,"sentiment":"neutral","sentiment_score":-0.11281604364965901},{"text":"That's your current situation.","start":3393.875,"end":3395.015,"sentiment":"neutral","sentiment_score":-0.1364227719604969}],"sentiment":"neutral","sentiment_score":-0.06733308237744495,"channel":0,"num_words":96,"start":3362.7551,"end":3395.015},{"sentences":[{"text":"Right?","start":3395.395,"end":3395.895,"sentiment":"neutral","sentiment_score":-0.014614393003284931},{"text":"Can you see that?","start":3396.835,"end":3397.895,"sentiment":"neutral","sentiment_score":-0.02173886401578784}],"sentiment":"neutral","sentiment_score":-0.020313969813287258,"channel":0,"num_words":5,"start":3395.395,"end":3397.895},{"sentences":[{"text":"Yep.","start":3399.4202,"end":3399.58,"sentiment":"neutral","sentiment_score":0.006622932851314545},{"text":"Alright.","start":3399.58,"end":3400.06,"sentiment":"neutral","sentiment_score":0.01930522173643112},{"text":"Sorry.","start":3400.06,"end":3400.3801,"sentiment":"neutral","sentiment_score":-0.07857798784971237},{"text":"I just got it just went out of it.","start":3400.3801,"end":3402.2751,"sentiment":"neutral","sentiment_score":-0.10437078856759602},{"text":"So I'm on page 27 and I'm paying, yes, 730","start":3402.2751,"end":3407.3152,"sentiment":"neutral","sentiment_score":0.0024681010167114437}],"sentiment":"neutral","sentiment_score":-0.04396845091832802,"channel":1,"num_words":22,"start":3399.4202,"end":3407.3152},{"sentences":[{"text":"That's","start":3407.12,"end":3407.52,"sentiment":"neutral","sentiment_score":-0.00913314800709486}],"sentiment":"neutral","sentiment_score":-0.00913314800709486,"channel":0,"num_words":1,"start":3407.12,"end":3407.52},{"sentences":[{"text":"4.","start":3407.3152,"end":3407.8152,"sentiment":"neutral","sentiment_score":0.004204852506518364}],"sentiment":"neutral","sentiment_score":0.004204852506518364,"channel":1,"num_words":1,"start":3407.3152,"end":3407.8152},{"sentences":[{"text":"$34.","start":3407.52,"end":3408.6401,"sentiment":"neutral","sentiment_score":0.008913341909646988},{"text":"Correct.","start":3408.6401,"end":3409.04,"sentiment":"neutral","sentiment_score":0.028909968212246895},{"text":"Okay?","start":3409.04,"end":3409.36,"sentiment":"neutral","sentiment_score":0.027209389954805378}],"sentiment":"neutral","sentiment_score":0.021677566692233086,"channel":0,"num_words":3,"start":3407.52,"end":3409.36},{"sentences":[{"text":"Yeah.","start":3409.155,"end":3409.655,"sentiment":"neutral","sentiment_score":0.04403739050030708}],"sentiment":"neutral","sentiment_score":0.04403739050030708,"channel":1,"num_words":1,"start":3409.155,"end":3409.655},{"sentences":[{"text":"And that's that's the fees that you're paying for the super fund itself, and that's the growth that you've achieved in that high growth investments over the last five years.","start":3409.36,"end":3418.1,"sentiment":"neutral","sentiment_score":0.27625362053513525},{"text":"So from from the July 31, go back five years, and you look at the overall return and then you average it up per annum, you've essentially got a return of 8.77% every year per annum.","start":3418.32,"end":3432.015,"sentiment":"neutral","sentiment_score":0.22270123619172308}],"sentiment":"neutral","sentiment_score":0.24704322907509227,"channel":0,"num_words":66,"start":3409.36,"end":3432.015},{"sentences":[{"text":"Yes.","start":3432.755,"end":3433.255,"sentiment":"neutral","sentiment_score":0.17005084455013275}],"sentiment":"neutral","sentiment_score":0.17005084455013275,"channel":1,"num_words":1,"start":3432.755,"end":3433.255},{"sentences":[{"text":"So if we look at that outcome with the cover that you're under insured by, as we did worked out by your needs analysis, if you carried on ticking along, if something were to happen, then you wouldn't you're not insured for enough to actually cover your needs.","start":3432.8699,"end":3448.905,"sentiment":"neutral","sentiment_score":0.007199186210831006},{"text":"So that's the","start":3449.5251,"end":3450.085,"sentiment":"neutral","sentiment_score":0.000997684895992279}],"sentiment":"neutral","sentiment_score":0.006834392015840493,"channel":0,"num_words":51,"start":3432.8699,"end":3450.085},{"sentences":[{"text":"Okay.","start":3450.04,"end":3450.54,"sentiment":"neutral","sentiment_score":0.059235572814941406}],"sentiment":"neutral","sentiment_score":0.059235572814941406,"channel":1,"num_words":1,"start":3450.04,"end":3450.54},{"sentences":[{"text":"first thing we identified.","start":3450.085,"end":3451.145,"sentiment":"neutral","sentiment_score":0.048571390099823475},{"text":"Next, we go, alright.","start":3451.845,"end":3453.045,"sentiment":"neutral","sentiment_score":0.03801874443888664},{"text":"Well, if you were to continue, just leave everything as is.","start":3453.045,"end":3457.465,"sentiment":"neutral","sentiment_score":0.0134368742054159},{"text":"And after I did a five year comparison because well, five year projection because I'm doing a five year rolling average, so five years back, what does it look like in another five years based on those numbers?","start":3457.58,"end":3467.68,"sentiment":"neutral","sentiment_score":0.04713436755302705},{"text":"And what the effects of higher insurance premiums would look like based on our recommendation.","start":3469.02,"end":3474.255,"sentiment":"neutral","sentiment_score":0.018047097573677697}],"sentiment":"neutral","sentiment_score":0.03549970256992512,"channel":0,"num_words":72,"start":3450.085,"end":3474.255},{"sentences":[{"text":"But","start":3475.115,"end":3475.355,"sentiment":"neutral","sentiment_score":0.10072755068540572}],"sentiment":"neutral","sentiment_score":0.10072755068540572,"channel":0,"num_words":1,"start":3475.115,"end":3475.355},{"sentences":[{"text":"Yes.","start":3475.24,"end":3475.74,"sentiment":"neutral","sentiment_score":0.13065113127231598}],"sentiment":"neutral","sentiment_score":0.13065113127231598,"channel":1,"num_words":1,"start":3475.24,"end":3475.74},{"sentences":[{"text":"then not only that, you can only access super by age 60.","start":3475.355,"end":3478.575,"sentiment":"neutral","sentiment_score":0.10294730092088382},{"text":"You can't you can't access it sooner.","start":3478.955,"end":3480.7349,"sentiment":"neutral","sentiment_score":-0.26777673406260355},{"text":"Right?","start":3481.515,"end":3482.015,"sentiment":"neutral","sentiment_score":-0.15020355582237244}],"sentiment":"neutral","sentiment_score":-0.03946365416049957,"channel":0,"num_words":20,"start":3475.355,"end":3482.015},{"sentences":[{"text":"No.","start":3481.845,"end":3482.085,"sentiment":"neutral","sentiment_score":-0.2422768473625183},{"text":"That's","start":3482.085,"end":3482.585,"sentiment":"neutral","sentiment_score":-0.11245097219944}],"sentiment":"neutral","sentiment_score":-0.17736390978097916,"channel":1,"num_words":2,"start":3481.845,"end":3482.585},{"sentences":[{"text":"So by age 60, what does 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leave everything as is?","start":3486.155,"end":3489.5898,"sentiment":"neutral","sentiment_score":-0.012188165552086301},{"text":"So when you get there with your current insurance, you would end up with $1,516,113 based on","start":3489.5898,"end":3497.99,"sentiment":"neutral","sentiment_score":-0.003414548728067209}],"sentiment":"neutral","sentiment_score":-0.0064515699363815095,"channel":0,"num_words":26,"start":3486.155,"end":3497.99},{"sentences":[{"text":"Yes.","start":3497.8,"end":3498.3,"sentiment":"neutral","sentiment_score":0.030647248029708862}],"sentiment":"neutral","sentiment_score":0.030647248029708862,"channel":1,"num_words":1,"start":3497.8,"end":3498.3},{"sentences":[{"text":"those numbers, net of fees.","start":3497.99,"end":3499.7698,"sentiment":"neutral","sentiment_score":0.02713406514376402},{"text":"That's the that was that's what your super balance would be.","start":3499.895,"end":3502.6948,"sentiment":"neutral","sentiment_score":0.014308134771206162},{"text":"Right?","start":3502.6948,"end":3503.1948,"sentiment":"neutral","sentiment_score":0.028685342520475388},{"text":"And that that's more, essentially, than the 1,040,000 that we wanted to try and get to.","start":3503.7349,"end":3509.275,"sentiment":"neutral","sentiment_score":0.008749641401664121},{"text":"So does that kind of does that give you an idea of what I was trying to explain before, or does that make sense?","start":3509.575,"end":3515.96,"sentiment":"neutral","sentiment_score":0.02633550196575622}],"sentiment":"neutral","sentiment_score":0.0191893238653919,"channel":0,"num_words":57,"start":3497.99,"end":3515.96},{"sentences":[{"text":"Yeah.","start":3515.9648,"end":3516.2048,"sentiment":"neutral","sentiment_score":0.07158993184566498},{"text":"That makes more 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retirement.","start":3522.34,"end":3531.035,"sentiment":"neutral","sentiment_score":0.1077705188814936}],"sentiment":"neutral","sentiment_score":0.10112344881608373,"channel":0,"num_words":42,"start":3518.42,"end":3531.035},{"sentences":[{"text":"Because if our GFC two point o hits, then I don't want you to be invested in any shares.","start":3531.415,"end":3536.135,"sentiment":"neutral","sentiment_score":-0.04072896253905798},{"text":"I only want you to be invested in bonds,","start":3536.135,"end":3538.155,"sentiment":"neutral","sentiment_score":0.02985708291331927}],"sentiment":"neutral","sentiment_score":-0.018040590786508152,"channel":0,"num_words":28,"start":3531.415,"end":3538.155},{"sentences":[{"text":"Yes.","start":3538.065,"end":3538.565,"sentiment":"neutral","sentiment_score":0.0972871407866478}],"sentiment":"neutral","sentiment_score":0.0972871407866478,"channel":1,"num_words":1,"start":3538.065,"end":3538.565},{"sentences":[{"text":"you know, really safe, safer assets.","start":3538.375,"end":3540.2349,"sentiment":"neutral","sentiment_score":0.11699543024102847},{"text":"So if you're looking at the same logic, a 5% return on $1,516,113 times that five a 5% return, that's essentially $75,805.65 in a year.","start":3541.75,"end":3556.33,"sentiment":"neutral","sentiment_score":0.07438203290104867},{"text":"So you can have an income of $75,800 per annum, like, as if you were working, but you're retired.","start":3556.335,"end":3563.2349,"sentiment":"neutral","sentiment_score":0.10898272457875703},{"text":"And you can you can have that you can pull that out of super tax free and after every year on a 5% return and still be left with the exact same 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one.","start":3592.375,"end":3594.375,"sentiment":"neutral","sentiment_score":-0.07759122115870316},{"text":"And the answer is, yes.","start":3594.375,"end":3596.49,"sentiment":"neutral","sentiment_score":0.03995141908526421}],"sentiment":"neutral","sentiment_score":0.151040050152101,"channel":0,"num_words":19,"start":3589.7349,"end":3596.49},{"sentences":[{"text":"No.","start":3596.295,"end":3596.795,"sentiment":"neutral","sentiment_score":-0.15426835417747498}],"sentiment":"neutral","sentiment_score":-0.15426835417747498,"channel":1,"num_words":1,"start":3596.295,"end":3596.795},{"sentences":[{"text":"We do take inflate no.","start":3596.49,"end":3597.85,"sentiment":"neutral","sentiment_score":-0.09661214351654053},{"text":"The answer is yes.","start":3597.85,"end":3598.65,"sentiment":"neutral","sentiment_score":0.005988996475934982},{"text":"So we do 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exact that's in tomorrow's dollars.","start":3653.62,"end":3657.48,"sentiment":"neutral","sentiment_score":0.00867081992328167},{"text":"Yep.","start":3660.58,"end":3660.9001,"sentiment":"neutral","sentiment_score":0.1397545337677002},{"text":"So by the time you get to in a way, in today's dollars, correct.","start":3660.9001,"end":3664.725,"sentiment":"neutral","sentiment_score":0.11799788368599755},{"text":"So by the time you get to age 60 in a thirty two years' time, you the same 1,500,000 that would be worth today is gonna be the same then as well because we take inflation into 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as?","start":3735.4448,"end":3737.58,"sentiment":"neutral","sentiment_score":-0.04913322048054801}],"sentiment":"neutral","sentiment_score":-0.13079527851480705,"channel":0,"num_words":26,"start":3730.645,"end":3737.58},{"sentences":[{"text":"So no no matter how much inflation is, I'll I'll still only have 1,000,500?","start":3738.56,"end":3745.3,"sentiment":"neutral","sentiment_score":-0.09572190099528857}],"sentiment":"neutral","sentiment_score":-0.09572190099528857,"channel":1,"num_words":14,"start":3738.56,"end":3745.3},{"sentences":[{"text":"So no.","start":3746.54,"end":3747.98,"sentiment":"neutral","sentiment_score":-0.12034454196691513},{"text":"So it's taken 3%.","start":3747.98,"end":3750.46,"sentiment":"neutral","sentiment_score":-0.10862072370946407},{"text":"So whatever the calculation is, every year, we've taken off 3% because of inflation.","start":3750.46,"end":3758.055,"sentiment":"neutral","sentiment_score":-0.13828319577234133},{"text":"So 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no.","start":3795.485,"end":3796.59,"sentiment":"neutral","sentiment_score":-0.28621071577072144},{"text":"So we went through the calculation recommending cover that's gonna cost again, I apologize.","start":3796.6702,"end":3801.47,"sentiment":"neutral","sentiment_score":-0.18116591285381997}],"sentiment":"neutral","sentiment_score":-0.08494469159770579,"channel":0,"num_words":42,"start":3784.7651,"end":3801.47},{"sentences":[{"text":"It's the difference is $2,977.","start":3801.47,"end":3805.33,"sentiment":"neutral","sentiment_score":-0.12369558662176132},{"text":"So that pub 24 column is actually what the difference in fees are.","start":3805.3901,"end":3809.47,"sentiment":"neutral","sentiment_score":-0.05522925535646769},{"text":"For some reason, the the table shifted left, but","start":3809.47,"end":3813.375,"sentiment":"neutral","sentiment_score":-0.0775651466101408}],"sentiment":"neutral","sentiment_score":-0.07535350267533902,"channel":0,"num_words":27,"start":3801.47,"end":3813.375},{"sentences":[{"text":"Yeah.","start":3813.175,"end":3813.675,"sentiment":"neutral","sentiment_score":0.01945577561855316}],"sentiment":"neutral","sentiment_score":0.01945577561855316,"channel":1,"num_words":1,"start":3813.175,"end":3813.675},{"sentences":[{"text":"I can send you an email with the actual comparison that I'm looking at.","start":3813.435,"end":3816.8152,"sentiment":"neutral","sentiment_score":0.09009244958204883},{"text":"The insurance premiums is $3,711 per annum, which is the recommendation that we just went through, the 1,500,000 of life and TPD.","start":3817.7551,"end":3827.94,"sentiment":"neutral","sentiment_score":0.06697125343436544},{"text":"Do you remember 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so that's what that fee is.","start":3903.385,"end":3905.4,"sentiment":"neutral","sentiment_score":0.22592466856752122},{"text":"So with that fee as well as that ongoing advisory, the percentage base, the more money you make, the more money we make.","start":3905.64,"end":3912.1199,"sentiment":"neutral","sentiment_score":0.2556165281845176},{"text":"If you lose","start":3912.1199,"end":3912.68,"sentiment":"neutral","sentiment_score":-0.21404742201169333}],"sentiment":"neutral","sentiment_score":0.20662153218731735,"channel":0,"num_words":33,"start":3903.385,"end":3912.68},{"sentences":[{"text":"Yes.","start":3912.6602,"end":3913.1602,"sentiment":"neutral","sentiment_score":-0.19393718242645264}],"sentiment":"neutral","sentiment_score":-0.19393718242645264,"channel":1,"num_words":1,"start":3912.6602,"end":3913.1602},{"sentences":[{"text":"money, we don't make as much money.","start":3912.68,"end":3914.46,"sentiment":"negative","sentiment_score":-0.35280408603804453},{"text":"So that's the reason why over the shorter term, it's it's it takes a while for that compounding return to really kick in.","start":3914.52,"end":3923.345,"sentiment":"neutral","sentiment_score":-0.1903645418908285},{"text":"So it does take a while to kinda catch up, especially with the increase of insurance premiums.","start":3923.405,"end":3928.785,"sentiment":"neutral","sentiment_score":-0.30292338220512166},{"text":"But the larger the snowball, the more snow it picks up.","start":3929.165,"end":3932.82,"sentiment":"neutral","sentiment_score":-0.12547571482983502}],"sentiment":"neutral","sentiment_score":-0.23065419700639,"channel":0,"num_words":58,"start":3912.68,"end":3932.82},{"sentences":[{"text":"Yes.","start":3933.56,"end":3934.06,"sentiment":"neutral","sentiment_score":0.10127468407154085}],"sentiment":"neutral","sentiment_score":0.10127468407154085,"channel":1,"num_words":1,"start":3933.56,"end":3934.06},{"sentences":[{"text":"So when you're looking at a bus eight years in, that's when 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why.","start":3956.7349,"end":3968.98,"sentiment":"neutral","sentiment_score":0.26635277453396056}],"sentiment":"neutral","sentiment_score":0.22013889872860687,"channel":0,"num_words":107,"start":3933.9402,"end":3968.98},{"sentences":[{"text":"Because overall, you'll be in the $210,188 better position by a 60 with the Superfund,","start":3968.98,"end":3976.035,"sentiment":"neutral","sentiment_score":0.28751585284868875}],"sentiment":"neutral","sentiment_score":0.28751585284868875,"channel":0,"num_words":15,"start":3968.98,"end":3976.035},{"sentences":[{"text":"Yes.","start":3975.71,"end":3976.21,"sentiment":"neutral","sentiment_score":0.1781032383441925}],"sentiment":"neutral","sentiment_score":0.1781032383441925,"channel":1,"num_words":1,"start":3975.71,"end":3976.21},{"sentences":[{"text":"our investments returns, net of all of our 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mine.","start":4224.6,"end":4228.36,"sentiment":"neutral","sentiment_score":0.09406923609120506},{"text":"Just looking at his","start":4228.36,"end":4229.565,"sentiment":"neutral","sentiment_score":0.05016504414379597}],"sentiment":"neutral","sentiment_score":0.07810407538305629,"channel":1,"num_words":11,"start":4224.6,"end":4229.565},{"sentences":[{"text":"Correct.","start":4230.4854,"end":4230.9854,"sentiment":"neutral","sentiment_score":0.07266754657030106},{"text":"So that's the next one.","start":4231.125,"end":4232.585,"sentiment":"neutral","sentiment_score":0.06902235671877861},{"text":"That's the one above yours.","start":4232.8853,"end":4234.0054,"sentiment":"neutral","sentiment_score":0.03422949090600014},{"text":"Sorry.","start":4234.0054,"end":4234.5054,"sentiment":"neutral","sentiment_score":-0.048324085772037506}],"sentiment":"neutral","sentiment_score":0.04505022491017977,"channel":0,"num_words":12,"start":4230.4854,"end":4234.5054},{"sentences":[{"text":"Yeah.","start":4234.205,"end":4234.705,"sentiment":"neutral","sentiment_score":-0.005477594211697578}],"sentiment":"neutral","sentiment_score":-0.005477594211697578,"channel":1,"num_words":1,"start":4234.205,"end":4234.705},{"sentences":[{"text":"So if you go back to the statement, keep in mind, these are the insurances the increased between c Bus as well as HUB twenty four.","start":4234.89,"end":4244.03,"sentiment":"neutral","sentiment_score":0.00961103498076017},{"text":"So if you we haven't gone through Brandon's, we've only gone through yours.","start":4244.09,"end":4247.085,"sentiment":"neutral","sentiment_score":0.02599126215164478},{"text":"But with the","start":4247.165,"end":4247.565,"sentiment":"neutral","sentiment_score":0.08995674798885982}],"sentiment":"neutral","sentiment_score":0.020420084796136335,"channel":0,"num_words":42,"start":4234.89,"end":4247.565},{"sentences":[{"text":"Yes.","start":4247.52,"end":4248.02,"sentiment":"neutral","sentiment_score":0.1387937068939209}],"sentiment":"neutral","sentiment_score":0.1387937068939209,"channel":1,"num_words":1,"start":4247.52,"end":4248.02},{"sentences":[{"text":"same concept, this will go a lot quicker because we've already gone through it.","start":4247.565,"end":4251.085,"sentiment":"neutral","sentiment_score":0.23664226915155137},{"text":"So if you go back to the statement of advice, the first 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32.","start":4256.765,"end":4262.065,"sentiment":"neutral","sentiment_score":0.027621547318995}],"sentiment":"neutral","sentiment_score":0.027621547318995,"channel":0,"num_words":10,"start":4256.765,"end":4262.065},{"sentences":[{"text":"Yep.","start":4262.875,"end":4263.375,"sentiment":"neutral","sentiment_score":0.03680334612727165}],"sentiment":"neutral","sentiment_score":0.03680334612727165,"channel":1,"num_words":1,"start":4262.875,"end":4263.375},{"sentences":[{"text":"Brandon's","start":4274.61,"end":4275.11,"sentiment":"neutral","sentiment_score":0.015929915010929108}],"sentiment":"neutral","sentiment_score":0.015929915010929108,"channel":0,"num_words":1,"start":4274.61,"end":4275.11},{"sentences":[{"text":"Yep.","start":4275.15,"end":4275.65,"sentiment":"neutral","sentiment_score":0.005644817836582661}],"sentiment":"neutral","sentiment_score":0.005644817836582661,"channel":1,"num_words":1,"start":4275.15,"end":4275.65},{"sentences":[{"text":"got you said you weren't a smoker.","start":4275.17,"end":4277.83,"sentiment":"neutral","sentiment_score":-0.03484608632113252},{"text":"Is Brandon there?","start":4278.1353,"end":4278.795,"sentiment":"neutral","sentiment_score":-0.021409394219517708}],"sentiment":"neutral","sentiment_score":-0.03081507869064808,"channel":0,"num_words":10,"start":4275.17,"end":4278.795},{"sentences":[{"text":"She 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because he smoked cigarettes recently,","start":4283.895,"end":4290.715,"sentiment":"neutral","sentiment_score":-0.032725269046540446}],"sentiment":"neutral","sentiment_score":-0.05175416701240465,"channel":0,"num_words":16,"start":4283.175,"end":4290.715},{"sentences":[{"text":"No.","start":4290.325,"end":4290.825,"sentiment":"neutral","sentiment_score":-0.18996921181678772},{"text":"No.","start":4291.845,"end":4292.245,"sentiment":"neutral","sentiment_score":-0.21047605574131012},{"text":"Not in the so he he he'll have one cigarette if he's really drunk.","start":4292.245,"end":4298.345,"sentiment":"neutral","sentiment_score":-0.24916010882173265},{"text":"He hasn't smoked in the last What?","start":4298.7803,"end":4302.4004,"sentiment":"neutral","sentiment_score":-0.07853421834962708},{"text":"Three 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looking?","start":4335.35,"end":4336.31,"sentiment":"neutral","sentiment_score":-0.028223067056387663},{"text":"Sorry.","start":4336.31,"end":4336.81,"sentiment":"neutral","sentiment_score":-0.04434292018413544}],"sentiment":"neutral","sentiment_score":-0.03144703768193722,"channel":1,"num_words":5,"start":4335.35,"end":4336.81},{"sentences":[{"text":"So page 32.","start":4337.305,"end":4338.765,"sentiment":"neutral","sentiment_score":-0.019214132179816563}],"sentiment":"neutral","sentiment_score":-0.019214132179816563,"channel":0,"num_words":3,"start":4337.305,"end":4338.765},{"sentences":[{"text":"32.","start":4339.43,"end":4340.5703,"sentiment":"neutral","sentiment_score":-0.009025167673826218},{"text":"Oh, yes.","start":4340.71,"end":4341.195,"sentiment":"neutral","sentiment_score":0.010943305678665638},{"text":"I 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risk.","start":4366.455,"end":4370.46,"sentiment":"negative","sentiment_score":-0.41785255991495573}],"sentiment":"negative","sentiment_score":-0.40186817407608033,"channel":0,"num_words":25,"start":4359.895,"end":4370.46},{"sentences":[{"text":"Yeah.","start":4371.18,"end":4371.42,"sentiment":"neutral","sentiment_score":-0.13155332207679749},{"text":"Right.","start":4371.42,"end":4371.92,"sentiment":"neutral","sentiment_score":-0.12849020957946777}],"sentiment":"neutral","sentiment_score":-0.13002176582813263,"channel":1,"num_words":2,"start":4371.18,"end":4371.92},{"sentences":[{"text":"I've something 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I thought it was the other way around.","start":4373.335,"end":4375.355,"sentiment":"neutral","sentiment_score":-0.13595506383313072}],"sentiment":"neutral","sentiment_score":-0.13595506383313072,"channel":1,"num_words":9,"start":4373.335,"end":4375.355},{"sentences":[{"text":"No.","start":4376.28,"end":4376.6797,"sentiment":"neutral","sentiment_score":-0.2137330323457718},{"text":"I'm sorry.","start":4376.6797,"end":4377.26,"sentiment":"neutral","sentiment_score":-0.22341980040073395},{"text":"I mean, mental health probably wise, but you're in a, like, you're in a sanitary environment.","start":4377.7197,"end":4384.005,"sentiment":"neutral","sentiment_score":-0.18282719794660807},{"text":"You've got strict procedures and policies.","start":4384.065,"end":4387.7646,"sentiment":"neutral","sentiment_score":-0.17153353492418924},{"text":"As an ex care beta driver, you like you said, you're on the side of a road digging off the said said road on a side of a 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actuary?","start":4416.235,"end":4418.495,"sentiment":"neutral","sentiment_score":-0.06030198372900486}],"sentiment":"neutral","sentiment_score":-0.05612419497059739,"channel":0,"num_words":69,"start":4397.44,"end":4418.495},{"sentences":[{"text":"No.","start":4419.38,"end":4419.88,"sentiment":"neutral","sentiment_score":-0.1151939257979393}],"sentiment":"neutral","sentiment_score":-0.1151939257979393,"channel":1,"num_words":1,"start":4419.38,"end":4419.88},{"sentences":[{"text":"Okay.","start":4420.555,"end":4420.955,"sentiment":"neutral","sentiment_score":-0.04409103095531464},{"text":"So an actuary is like a a it's a it's a it's a occupation, I guess, if it's a job, and they are very strange people.","start":4420.955,"end":4429.93,"sentiment":"neutral","sentiment_score":-0.16514785974644697},{"text":"They're like they're like little hermits that that are mathematicians that live in a cave somewhere.","start":4429.99,"end":4436.5703,"sentiment":"negative","sentiment_score":-0.3725826758891344},{"text":"They're just the strangest people you've ever met in your life.","start":4436.6304,"end":4440.675,"sentiment":"neutral","sentiment_score":-0.2762989510189403},{"text":"Their whole their their job is to essentially work out for the amounts of claims or things going wrong, what are those things that go wrong, and then calculate that risk into a monetary figure so the insurers can work out what how much it will cost 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them.","start":4464.36,"end":4469.265,"sentiment":"negative","sentiment_score":-0.45677006439022394},{"text":"Right?","start":4469.4253,"end":4469.9253,"sentiment":"neutral","sentiment_score":-0.16570985317230225}],"sentiment":"negative","sentiment_score":-0.42792964592576027,"channel":0,"num_words":25,"start":4464.04,"end":4469.9253},{"sentences":[{"text":"Yeah.","start":4469.8604,"end":4470.1,"sentiment":"neutral","sentiment_score":-0.17410676181316376},{"text":"Yeah.","start":4470.1,"end":4470.6,"sentiment":"neutral","sentiment_score":-0.15711772441864014}],"sentiment":"neutral","sentiment_score":-0.16561224311590195,"channel":1,"num_words":2,"start":4469.8604,"end":4470.6},{"sentences":[{"text":"But if you are administration's officers sitting at a desk a 100% of the time during the day, then the likelihood of something going wrong is next to nothing.","start":4470.225,"end":4479.585,"sentiment":"negative","sentiment_score":-0.37970472152890833},{"text":"So, you know, 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know.","start":5190.745,"end":5190.9854,"sentiment":"neutral","sentiment_score":-0.10441605374217033},{"text":"But","start":5190.9854,"end":5191.4854,"sentiment":"neutral","sentiment_score":-0.010946296155452728}],"sentiment":"neutral","sentiment_score":-0.11451729493481773,"channel":0,"num_words":7,"start":5189.145,"end":5191.4854},{"sentences":[{"text":"Okay.","start":5191.23,"end":5191.73,"sentiment":"neutral","sentiment_score":0.01956562139093876}],"sentiment":"neutral","sentiment_score":0.01956562139093876,"channel":1,"num_words":1,"start":5191.23,"end":5191.73},{"sentences":[{"text":"if you wanna go onto that, the appendix pretty much just outlines how investment methodology is there.","start":5192.185,"end":5197.225,"sentiment":"neutral","sentiment_score":0.06821929860640974},{"text":"But after the investment methodology, you'll actually see a comparison for insurance comparing differences.","start":5197.225,"end":5203.75,"sentiment":"neutral","sentiment_score":0.13273197199617112},{"text":"So a like for like for Brendan,","start":5204.29,"end":5205.99,"sentiment":"neutral","sentiment_score":0.12979563432080404}],"sentiment":"neutral","sentiment_score":0.1033301348552892,"channel":0,"num_words":38,"start":5192.185,"end":5205.99},{"sentences":[{"text":"Yes.","start":5206.995,"end":5207.495,"sentiment":"neutral","sentiment_score":0.16286399960517883}],"sentiment":"neutral","sentiment_score":0.16286399960517883,"channel":1,"num_words":1,"start":5206.995,"end":5207.495},{"sentences":[{"text":"and we compared OnePath versus Feebas.","start":5207.0103,"end":5209.35,"sentiment":"neutral","sentiment_score":0.19990072647730509},{"text":"We've got all the other research.","start":5209.65,"end":5211.17,"sentiment":"neutral","sentiment_score":0.2876218557357788},{"text":"If you want me to send that through, I'm more than happy to send it through as well.","start":5211.17,"end":5213.89,"sentiment":"positive","sentiment_score":0.4773448920912213},{"text":"But, essentially, we're just looking at, you know, what's the at a glance, what does one path portfolio and will insurance cover when compared to the existing SeaBus super","start":5213.89,"end":5225.6147,"sentiment":"neutral","sentiment_score":0.10081657317691836}],"sentiment":"neutral","sentiment_score":0.24476312157713762,"channel":0,"num_words":59,"start":5207.0103,"end":5225.6147},{"sentences":[{"text":"Oh, that's","start":5225.46,"end":5225.94,"sentiment":"neutral","sentiment_score":0.015550296287983656}],"sentiment":"neutral","sentiment_score":0.015550296287983656,"channel":1,"num_words":2,"start":5225.46,"end":5225.94},{"sentences":[{"text":"insurance?","start":5225.675,"end":5226.175,"sentiment":"neutral","sentiment_score":0.003384571522474289}],"sentiment":"neutral","sentiment_score":0.003384571522474289,"channel":0,"num_words":1,"start":5225.675,"end":5226.175},{"sentences":[{"text":"crazy.","start":5225.94,"end":5226.44,"sentiment":"neutral","sentiment_score":0.01607302576303482},{"text":"Yeah.","start":5226.6597,"end":5226.9,"sentiment":"neutral","sentiment_score":0.07072784006595612},{"text":"Yeah.","start":5226.9,"end":5227.2197,"sentiment":"neutral","sentiment_score":0.07915697991847992},{"text":"Yeah.","start":5227.2197,"end":5227.7197,"sentiment":"neutral","sentiment_score":0.10534650087356567}],"sentiment":"neutral","sentiment_score":0.06782608665525913,"channel":1,"num_words":4,"start":5225.94,"end":5227.7197},{"sentences":[{"text":"Yeah.","start":5227.45,"end":5227.95,"sentiment":"neutral","sentiment_score":0.15268641710281372},{"text":"Correct.","start":5228.25,"end":5228.75,"sentiment":"neutral","sentiment_score":0.27663183212280273},{"text":"So so the the coverage, you've got essentially a 1917% better chance of claiming on life and CPD with one part than you do with CBUS.","start":5228.81,"end":5240.915,"sentiment":"neutral","sentiment_score":0.31465519162324757},{"text":"That's because we ask the questions before the events, essentially.","start":5240.975,"end":5244.275,"sentiment":"neutral","sentiment_score":0.18580251187086105}],"sentiment":"neutral","sentiment_score":0.27548364079312276,"channel":0,"num_words":38,"start":5227.45,"end":5244.275},{"sentences":[{"text":"Yes.","start":5244.02,"end":5244.34,"sentiment":"neutral","sentiment_score":0.2094405293464661},{"text":"Yes.","start":5244.34,"end":5244.84,"sentiment":"neutral","sentiment_score":0.17883409559726715}],"sentiment":"neutral","sentiment_score":0.1941373124718666,"channel":1,"num_words":2,"start":5244.02,"end":5244.84},{"sentences":[{"text":"And if you look at, you know, what what these ratings look like, each rating house has a different rating.","start":5245.215,"end":5250.895,"sentiment":"neutral","sentiment_score":0.11591617092490196},{"text":"We use","start":5250.895,"end":5251.295,"sentiment":"neutral","sentiment_score":0.09099597111344337}],"sentiment":"neutral","sentiment_score":0.11365069821476936,"channel":0,"num_words":22,"start":5245.215,"end":5251.295},{"sentences":[{"text":"Yes.","start":5251.14,"end":5251.64,"sentiment":"neutral","sentiment_score":0.11770784854888916}],"sentiment":"neutral","sentiment_score":0.11770784854888916,"channel":1,"num_words":1,"start":5251.14,"end":5251.64},{"sentences":[{"text":"Chartwest for the insurances.","start":5251.295,"end":5253.5547,"sentiment":"neutral","sentiment_score":0.07983403746038675},{"text":"It essentially shows you an overall score between the life, the TPD, and the features involved.","start":5254.6396,"end":5260.02,"sentiment":"neutral","sentiment_score":0.08813144825398922}],"sentiment":"neutral","sentiment_score":0.08647196609526872,"channel":0,"num_words":20,"start":5251.295,"end":5260.02},{"sentences":[{"text":"Yep.","start":5260.685,"end":5261.185,"sentiment":"neutral","sentiment_score":0.1953842341899872}],"sentiment":"neutral","sentiment_score":0.1953842341899872,"channel":1,"num_words":1,"start":5260.685,"end":5261.185},{"sentences":[{"text":"And, yeah, if you if you go down the list, you can see that essentially, one path is a comprehensive insurance policy for life, CPD, income protection, and trauma.","start":5263.04,"end":5272.035,"sentiment":"neutral","sentiment_score":0.16643658203297648},{"text":"That's got a score of 92, a rating not compared to the rest of the market of 92.","start":5272.095,"end":5276.335,"sentiment":"neutral","sentiment_score":0.18599099500311744},{"text":"It's pretty much the highest you can get.","start":5276.335,"end":5278.035,"sentiment":"positive","sentiment_score":0.37055402621626854},{"text":"I","start":5278.335,"end":5278.495,"sentiment":"neutral","sentiment_score":0.1014879271388054}],"sentiment":"neutral","sentiment_score":0.20072176653359616,"channel":0,"num_words":56,"start":5263.04,"end":5278.495},{"sentences":[{"text":"Yep.","start":5278.41,"end":5278.91,"sentiment":"neutral","sentiment_score":0.0989203155040741}],"sentiment":"neutral","sentiment_score":0.0989203155040741,"channel":1,"num_words":1,"start":5278.41,"end":5278.91},{"sentences":[{"text":"think Zurich has 94 for his occupation, but it's extremely expensive.","start":5278.495,"end":5283.4297,"sentiment":"neutral","sentiment_score":-0.014713318341157654},{"text":"So I'd rather save the $2,000 a year premium in case something doesn't go wrong and get one part but still really highly rated product.","start":5283.65,"end":5291.9097,"sentiment":"neutral","sentiment_score":0.15835648894309998},{"text":"But if","start":5292.4497,"end":5292.9297,"sentiment":"neutral","sentiment_score":0.055926356464624405}],"sentiment":"neutral","sentiment_score":0.10286627459878984,"channel":0,"num_words":38,"start":5278.495,"end":5292.9297},{"sentences":[{"text":"Yes.","start":5292.795,"end":5293.295,"sentiment":"neutral","sentiment_score":0.06526046991348267}],"sentiment":"neutral","sentiment_score":0.06526046991348267,"channel":1,"num_words":1,"start":5292.795,"end":5293.295},{"sentences":[{"text":"you're looking at the life and the TPD, you're looking at a 42 overall rating between the life and TPD.","start":5292.9297,"end":5300.875,"sentiment":"neutral","sentiment_score":0.06166537050157785},{"text":"And if you were to just look at that life and TPD like for liking, you know, rating, it's a comparison of 29 versus six.","start":5301.335,"end":5308.95,"sentiment":"neutral","sentiment_score":0.04269875720143318}],"sentiment":"neutral","sentiment_score":0.05112836311260859,"channel":0,"num_words":45,"start":5292.9297,"end":5308.95},{"sentences":[{"text":"Yes.","start":5310.0,"end":5310.5,"sentiment":"neutral","sentiment_score":0.09166213124990465}],"sentiment":"neutral","sentiment_score":0.09166213124990465,"channel":1,"num_words":1,"start":5310.0,"end":5310.5},{"sentences":[{"text":"It says I can go more to what the ratings look like.","start":5312.0703,"end":5315.27,"sentiment":"neutral","sentiment_score":0.081192538763086},{"text":"It says ranked on definition, but just to give you both a snapshot, that's what it looks like.","start":5315.27,"end":5320.5503,"sentiment":"neutral","sentiment_score":0.094195653580957},{"text":"And if you were to look at yours, QSuper's actually got a lot better insurances to CBUS and other industry funds because of the QSuper being in the health and police.","start":5320.5503,"end":5330.235,"sentiment":"neutral","sentiment_score":0.14435157035627671},{"text":"You know what I mean?","start":5330.295,"end":5331.0947,"sentiment":"neutral","sentiment_score":0.015989304333925248},{"text":"So","start":5331.0947,"end":5331.5947,"sentiment":"neutral","sentiment_score":0.06702609360218048}],"sentiment":"neutral","sentiment_score":0.10883139590941258,"channel":0,"num_words":67,"start":5312.0703,"end":5331.5947},{"sentences":[{"text":"Yes.","start":5331.1,"end":5331.6,"sentiment":"neutral","sentiment_score":0.1425696313381195}],"sentiment":"neutral","sentiment_score":0.1425696313381195,"channel":1,"num_words":1,"start":5331.1,"end":5331.6},{"sentences":[{"text":"QSuper's got a much higher rated product, which is 54.","start":5331.655,"end":5336.67,"sentiment":"neutral","sentiment_score":0.23537198305130005},{"text":"But like like we said before, you know, ClearView, if you're looking at that comprehensive cover, there there is an extra 12 points in that, and that's because of the trauma.","start":5337.15,"end":5349.89,"sentiment":"neutral","sentiment_score":-0.06266690826704426},{"text":"We recommend","start":5350.11,"end":5350.77,"sentiment":"neutral","sentiment_score":0.051004067063331604}],"sentiment":"neutral","sentiment_score":0.011931483915378882,"channel":0,"num_words":43,"start":5331.655,"end":5350.77},{"sentences":[{"text":"Yes.","start":5350.805,"end":5351.305,"sentiment":"neutral","sentiment_score":0.010962270200252531}],"sentiment":"neutral","sentiment_score":0.010962270200252531,"channel":1,"num_words":1,"start":5350.805,"end":5351.305},{"sentences":[{"text":"trauma.","start":5350.83,"end":5351.33,"sentiment":"neutral","sentiment_score":0.011584877967834473},{"text":"But if you're looking at like for like, you can see it far out performs in terms of the life of GPD and income protection.","start":5351.6553,"end":5358.315,"sentiment":"neutral","sentiment_score":0.11739610165357589},{"text":"Does that does that give you more of an idea of what the ration of the the insurance product is?","start":5361.255,"end":5366.695,"sentiment":"neutral","sentiment_score":0.034713370725512505},{"text":"Or","start":5366.695,"end":5367.18,"sentiment":"neutral","sentiment_score":0.04554317891597748}],"sentiment":"neutral","sentiment_score":0.0784318726113502,"channel":0,"num_words":47,"start":5350.83,"end":5367.18},{"sentences":[{"text":"Yeah.","start":5366.86,"end":5367.3403,"sentiment":"neutral","sentiment_score":0.056010447442531586},{"text":"100%.","start":5367.3403,"end":5368.14,"sentiment":"neutral","sentiment_score":0.11215655505657196},{"text":"Yeah.","start":5368.14,"end":5368.64,"sentiment":"neutral","sentiment_score":0.287908136844635}],"sentiment":"neutral","sentiment_score":0.15202504644791284,"channel":1,"num_words":3,"start":5366.86,"end":5368.64},{"sentences":[{"text":"perfect.","start":5370.06,"end":5370.56,"sentiment":"positive","sentiment_score":0.5605947971343994},{"text":"Perfect.","start":5371.74,"end":5372.22,"sentiment":"positive","sentiment_score":0.5265977382659912},{"text":"Well, that is that's pretty much what our recommendations are.","start":5372.22,"end":5376.3203,"sentiment":"neutral","sentiment_score":0.20243115574121476},{"text":"I'm going to send you through an email with the updated table here.","start":5376.3804,"end":5380.8604,"sentiment":"neutral","sentiment_score":0.0493278824366056},{"text":"I apologize.","start":5380.8604,"end":5381.3,"sentiment":"neutral","sentiment_score":-0.11690104752779007}],"sentiment":"neutral","sentiment_score":0.13033201738640113,"channel":0,"num_words":27,"start":5370.06,"end":5381.3},{"sentences":[{"text":"I don't know why it's spattered out like that.","start":5381.3,"end":5383.225,"sentiment":"neutral","sentiment_score":-0.16894234054618412},{"text":"It's just I've been having issues just today.","start":5383.225,"end":5386.525,"sentiment":"neutral","sentiment_score":-0.21183978021144867},{"text":"It's just it just so happens to be that today's the day where it decided to not work even with the upload.","start":5386.585,"end":5391.985,"sentiment":"neutral","sentiment_score":-0.25961208614436065},{"text":"I don't know why.","start":5391.985,"end":5393.145,"sentiment":"neutral","sentiment_score":-0.21294160932302475},{"text":"But as discussed, please see.","start":5393.145,"end":5395.59,"sentiment":"neutral","sentiment_score":-0.057665600627660754}],"sentiment":"neutral","sentiment_score":-0.20972415921278298,"channel":0,"num_words":48,"start":5381.3,"end":5395.59},{"sentences":[{"text":"And what I'll do is I'll make sure that we take down the the odoo sign that I sent out.","start":5395.59,"end":5400.79,"sentiment":"neutral","sentiment_score":-0.0167125399071665},{"text":"I don't want you if you wanna proceed with just the insurance or whatever it is, I'll get some time give you some time to obviously consider it and talk between yourselves, think","start":5400.79,"end":5408.55,"sentiment":"neutral","sentiment_score":-0.07462441176176071}],"sentiment":"neutral","sentiment_score":-0.052770875212857234,"channel":0,"num_words":53,"start":5395.59,"end":5408.55},{"sentences":[{"text":"Yes.","start":5408.415,"end":5408.915,"sentiment":"neutral","sentiment_score":0.05476314574480057}],"sentiment":"neutral","sentiment_score":0.05476314574480057,"channel":1,"num_words":1,"start":5408.415,"end":5408.915},{"sentences":[{"text":"about it, And we can book in time, you know, in a couple days just to have a catch up.","start":5408.55,"end":5414.4146,"sentiment":"neutral","sentiment_score":0.08003618009388447},{"text":"Or if you want the weekend,","start":5414.4146,"end":5415.5547,"sentiment":"neutral","sentiment_score":0.058665880312522255}],"sentiment":"neutral","sentiment_score":0.07510457245203164,"channel":0,"num_words":26,"start":5408.55,"end":5415.5547},{"sentences":[{"text":"Yes.","start":5415.1396,"end":5415.6396,"sentiment":"neutral","sentiment_score":0.08236724138259888}],"sentiment":"neutral","sentiment_score":0.08236724138259888,"channel":1,"num_words":1,"start":5415.1396,"end":5415.6396},{"sentences":[{"text":"just let me know.","start":5415.9346,"end":5416.9946,"sentiment":"neutral","sentiment_score":0.07888220436871052},{"text":"But I I wanted to make sure that, obviously, if you are signing something and proceeding with whatever it is you wanna proceed with, then you're signing off on an accurate document.","start":5417.135,"end":5426.3203,"sentiment":"neutral","sentiment_score":0.011766895611799555},{"text":"Then but","start":5426.54,"end":5427.1,"sentiment":"neutral","sentiment_score":0.006726075429469348}],"sentiment":"neutral","sentiment_score":0.018566358629246486,"channel":0,"num_words":38,"start":5415.9346,"end":5427.1},{"sentences":[{"text":"Yes.","start":5427.0146,"end":5427.5146,"sentiment":"neutral","sentiment_score":0.013843517750501633}],"sentiment":"neutral","sentiment_score":0.013843517750501633,"channel":1,"num_words":1,"start":5427.0146,"end":5427.5146},{"sentences":[{"text":"just while I've got you before we book that time in, I'll send this out.","start":5427.1,"end":5430.7803,"sentiment":"neutral","sentiment_score":0.009173177462071181},{"text":"Please see below so you can see what I mean by the difference in those numbers.","start":5430.7803,"end":5437.105,"sentiment":"neutral","sentiment_score":-0.009144770563580096}],"sentiment":"neutral","sentiment_score":-0.0002812473253617363,"channel":0,"num_words":31,"start":5427.1,"end":5437.105},{"sentences":[{"text":"Perfect.","start":5437.93,"end":5438.43,"sentiment":"positive","sentiment_score":0.49478715658187866},{"text":"Sounds good.","start":5438.49,"end":5439.31,"sentiment":"positive","sentiment_score":0.4237787127494812}],"sentiment":"positive","sentiment_score":0.447448194026947,"channel":1,"num_words":3,"start":5437.93,"end":5439.31},{"sentences":[{"text":"So there we go.","start":5440.125,"end":5441.165,"sentiment":"neutral","sentiment_score":0.15612353384494781},{"text":"So I've just sent Nelson, I've just sent you out that extra bit.","start":5441.165,"end":5445.585,"sentiment":"neutral","sentiment_score":0.046454486365501695},{"text":"So somewhere out there in the etherwebs somewhere, So let me know.","start":5445.8047,"end":5450.12,"sentiment":"neutral","sentiment_score":-0.004798346121485035},{"text":"Maybe check junk again.","start":5450.12,"end":5451.3203,"sentiment":"neutral","sentiment_score":-0.05092763900756836},{"text":"If you right clicked on the previous email and moved it to inbox, it shouldn't.","start":5451.3203,"end":5454.92,"sentiment":"neutral","sentiment_score":-0.024450001617272694}],"sentiment":"neutral","sentiment_score":0.012507535924669355,"channel":0,"num_words":48,"start":5440.125,"end":5454.92},{"sentences":[{"text":"It should just go straight to that inbox.","start":5454.92,"end":5456.7803,"sentiment":"neutral","sentiment_score":0.019071354996412992},{"text":"But a message has been","start":5457.3203,"end":5458.92,"sentiment":"neutral","sentiment_score":0.0021009456366300585}],"sentiment":"neutral","sentiment_score":0.012544274473419556,"channel":0,"num_words":13,"start":5454.92,"end":5458.92},{"sentences":[{"text":"Got","start":5458.7754,"end":5458.935,"sentiment":"neutral","sentiment_score":-0.002114987000823021}],"sentiment":"neutral","sentiment_score":-0.002114987000823021,"channel":1,"num_words":1,"start":5458.7754,"end":5458.935},{"sentences":[{"text":"sent,","start":5458.92,"end":5459.16,"sentiment":"neutral","sentiment_score":0.013281283900141716}],"sentiment":"neutral","sentiment_score":0.013281283900141716,"channel":0,"num_words":1,"start":5458.92,"end":5459.16},{"sentences":[{"text":"it.","start":5458.935,"end":5459.435,"sentiment":"neutral","sentiment_score":0.014510407112538816}],"sentiment":"neutral","sentiment_score":0.014510407112538816,"channel":1,"num_words":1,"start":5458.935,"end":5459.435},{"sentences":[{"text":"so the email has been sent.","start":5459.16,"end":5460.12,"sentiment":"neutral","sentiment_score":0.026636893550554912},{"text":"You got it?","start":5460.12,"end":5460.84,"sentiment":"neutral","sentiment_score":0.07334650432070096},{"text":"Beautiful.","start":5460.84,"end":5461.34,"sentiment":"positive","sentiment_score":0.5822441577911377}],"sentiment":"neutral","sentiment_score":0.09621050320565701,"channel":0,"num_words":10,"start":5459.16,"end":5461.34},{"sentences":[{"text":"Perfect.","start":5461.1753,"end":5461.6753,"sentiment":"positive","sentiment_score":0.46603357791900635}],"sentiment":"positive","sentiment_score":0.46603357791900635,"channel":1,"num_words":1,"start":5461.1753,"end":5461.6753},{"sentences":[{"text":"So if you you open that up and you see the same kind of table.","start":5461.685,"end":5465.385,"sentiment":"neutral","sentiment_score":0.07968854630986849},{"text":"So that same table, if you're looking at 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outcome","start":5844.89,"end":5850.33,"sentiment":"neutral","sentiment_score":-0.059059767584715574}],"sentiment":"neutral","sentiment_score":-0.07527158202396499,"channel":0,"num_words":27,"start":5841.21,"end":5850.33},{"sentences":[{"text":"Oh, that's","start":5850.105,"end":5850.505,"sentiment":"neutral","sentiment_score":-0.25866590440273285}],"sentiment":"neutral","sentiment_score":-0.25866590440273285,"channel":1,"num_words":2,"start":5850.105,"end":5850.505},{"sentences":[{"text":"of 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so I could use a three year projection, but I've got we've got, like within our company, within OPU, it's it's kinda like a it's it's part of our procedures to always use either the lowest or the longest average return, especially","start":5853.13,"end":5871.34,"sentiment":"neutral","sentiment_score":-0.03297192949888318}],"sentiment":"neutral","sentiment_score":-0.03412800638212098,"channel":0,"num_words":45,"start":5852.33,"end":5871.34},{"sentences":[{"text":"Yes.","start":5870.91,"end":5871.315,"sentiment":"neutral","sentiment_score":-0.014606301672756672}],"sentiment":"neutral","sentiment_score":-0.014606301672756672,"channel":1,"num_words":1,"start":5870.91,"end":5871.315},{"sentences":[{"text":"if it's the lowest.","start":5871.34,"end":5872.32,"sentiment":"neutral","sentiment_score":-0.0468675484880805},{"text":"So if if five year is the lowest and let's say we do have ten year data available data and it's, say, 10%, we would still use the five year data because it's 9.6% on our returns, and we do a like for like comparison compared to whatever fund we're recommending against.","start":5872.38,"end":5889.615,"sentiment":"neutral","sentiment_score":0.09746594569430901},{"text":"Because, again, I would rather give you a a lower number now that we can try and exceed rather than a nice big fluffy number now that we probably won't require reach.","start":5889.915,"end":5900.23,"sentiment":"neutral","sentiment_score":0.04934900428634137},{"text":"So","start":5900.45,"end":5900.93,"sentiment":"neutral","sentiment_score":0.09818845987319946}],"sentiment":"neutral","sentiment_score":0.0736866919009873,"channel":0,"num_words":89,"start":5871.34,"end":5900.93},{"sentences":[{"text":"Yes.","start":5900.695,"end":5901.195,"sentiment":"neutral","sentiment_score":0.2821556031703949}],"sentiment":"neutral","sentiment_score":0.2821556031703949,"channel":1,"num_words":1,"start":5900.695,"end":5901.195},{"sentences":[{"text":"we always use the lowest amount, and that just 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complimentary because we wanna show that we can get you in a better position first and foremost with the increase of insurances.","start":6087.0054,"end":6099.1704,"sentiment":"positive","sentiment_score":0.44834135174751283},{"text":"And that's what we've just done.","start":6099.39,"end":6101.0103,"sentiment":"positive","sentiment_score":0.43502679467201233}],"sentiment":"neutral","sentiment_score":0.31530065470862956,"channel":0,"num_words":84,"start":6074.61,"end":6101.0103},{"sentences":[{"text":"Yes.","start":6101.635,"end":6102.135,"sentiment":"neutral","sentiment_score":0.16006292402744293}],"sentiment":"neutral","sentiment_score":0.16006292402744293,"channel":1,"num_words":1,"start":6101.635,"end":6102.135},{"sentences":[{"text":"If you were to look at cash on budgeting or leveraging, gearing, and personal investments, then we charge just to write this document, we charge anywhere from $1,650 out of pocket to $2,200 out of 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us.","start":6123.825,"end":6130.08,"sentiment":"neutral","sentiment_score":0.1260191942565143},{"text":"And they pay us 66% of whatever the premium is of whatever insurance policy we write upfront, which is for yourself for for Brendan, it's gonna be $2,482.","start":6130.22,"end":6144.165,"sentiment":"neutral","sentiment_score":0.1423833476645606},{"text":"We'll get","start":6144.625,"end":6145.105,"sentiment":"neutral","sentiment_score":0.2785217612981796}],"sentiment":"neutral","sentiment_score":0.14261052968061488,"channel":0,"num_words":46,"start":6123.825,"end":6145.105},{"sentences":[{"text":"Mhmm.","start":6145.08,"end":6145.58,"sentiment":"neutral","sentiment_score":0.22867345809936523}],"sentiment":"neutral","sentiment_score":0.22867345809936523,"channel":1,"num_words":1,"start":6145.08,"end":6145.58},{"sentences":[{"text":"paid that from the insurance company and nothing from you out of your super or out of back 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next page for Brendan's policy and $1,019 for your policy from Clearview every year moving forward for the life of the policy.","start":6169.045,"end":6181.225,"sentiment":"neutral","sentiment_score":0.23579512238502504},{"text":"So","start":6182.15,"end":6182.31,"sentiment":"neutral","sentiment_score":0.15290486812591553}],"sentiment":"neutral","sentiment_score":0.23312124321537633,"channel":0,"num_words":31,"start":6169.045,"end":6182.31},{"sentences":[{"text":"Yes.","start":6182.2646,"end":6182.7646,"sentiment":"neutral","sentiment_score":0.22063791751861572}],"sentiment":"neutral","sentiment_score":0.22063791751861572,"channel":1,"num_words":1,"start":6182.2646,"end":6182.7646},{"sentences":[{"text":"that's how we get paid from the insurance company.","start":6182.31,"end":6184.23,"sentiment":"neutral","sentiment_score":0.25594452023506165},{"text":"You don't pay anything out of back pocket, but because we've looked at the insurance and managing the InsideSuper and the recommendation of superannuation, we've calculated these fees into those projection tables as well, like the one I","start":6184.23,"end":6198.505,"sentiment":"neutral","sentiment_score":0.14507654750425564}],"sentiment":"neutral","sentiment_score":0.16630658483568658,"channel":0,"num_words":47,"start":6182.31,"end":6198.505},{"sentences":[{"text":"Mhmm.","start":6198.4897,"end":6198.9897,"sentiment":"neutral","sentiment_score":0.0857892632484436}],"sentiment":"neutral","sentiment_score":0.0857892632484436,"channel":1,"num_words":1,"start":6198.4897,"end":6198.9897},{"sentences":[{"text":"just emailed you.","start":6198.505,"end":6199.565,"sentiment":"neutral","sentiment_score":0.053267836570739746},{"text":"Upfront, again, we charge for an individual client.","start":6199.945,"end":6203.005,"sentiment":"neutral","sentiment_score":0.1558667216449976},{"text":"Once you agree to proceed with if it were the super insurance, then we can charge this fee out of super.","start":6203.065,"end":6209.32,"sentiment":"neutral","sentiment_score":0.17541067798932394},{"text":"For an individual, we charge $4,500 plus GST or $4,950 for this document.","start":6209.32,"end":6215.66,"sentiment":"neutral","sentiment_score":0.13572305956712136},{"text":"But if you're a couple and there's two clients, obviously, we want two lots of funds to grow, so it's more beneficial for everyone.","start":6216.12,"end":6222.7,"sentiment":"neutral","sentiment_score":0.29820635356009007}],"sentiment":"neutral","sentiment_score":0.2030683156588803,"channel":0,"num_words":69,"start":6198.505,"end":6222.7},{"sentences":[{"text":"Then we reduce that fee down from essentially $4,950 for one for an individual down to 3,300 per individual, which is reflected in there as 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sorry.","start":6241.6704,"end":6246.95,"sentiment":"neutral","sentiment_score":-0.05248642832572971},{"text":"Apologies about it.","start":6246.95,"end":6247.71,"sentiment":"neutral","sentiment_score":-0.1709514061609904}],"sentiment":"neutral","sentiment_score":0.05093537986038193,"channel":0,"num_words":31,"start":6236.015,"end":6247.71},{"sentences":[{"text":"I don't know why I shipped it across.","start":6247.71,"end":6249.21,"sentiment":"neutral","sentiment_score":-0.1590048409998417},{"text":"But the projection tables, that is inclusive where you can see the balance at the top.","start":6249.43,"end":6255.5947,"sentiment":"neutral","sentiment_score":0.06177372171077877},{"text":"We've deducted that 3,300 from each of your super funds straight off the bat.","start":6255.5947,"end":6260.175,"sentiment":"neutral","sentiment_score":0.15311350567000254},{"text":"And when we'll start with looking at the projections moving forward, that's comparison over five years, ten years, and thirty two years by the age of 60.","start":6260.475,"end":6269.33,"sentiment":"neutral","sentiment_score":0.090530459113695},{"text":"That is net of all fees, platform fees, insurance premiums, as well as our fees.","start":6269.39,"end":6276.29,"sentiment":"neutral","sentiment_score":0.0607648270825545}],"sentiment":"neutral","sentiment_score":0.06519655876327306,"channel":0,"num_words":80,"start":6247.71,"end":6276.29},{"sentences":[{"text":"Yep.","start":6276.895,"end":6277.395,"sentiment":"neutral","sentiment_score":0.1322833150625229}],"sentiment":"neutral","sentiment_score":0.1322833150625229,"channel":1,"num_words":1,"start":6276.895,"end":6277.395},{"sentences":[{"text":"Okay?","start":6278.35,"end":6278.85,"sentiment":"neutral","sentiment_score":0.08093267679214478},{"text":"So that's an upfront cost, a flat rate of $36,600, 3,300 each for documents if you were to proceed with the 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it","start":6449.63,"end":6452.27,"sentiment":"neutral","sentiment_score":0.014002765166676708}],"sentiment":"neutral","sentiment_score":0.014598093880340456,"channel":1,"num_words":10,"start":6449.23,"end":6452.27},{"sentences":[{"text":"okay.","start":6452.58,"end":6453.08,"sentiment":"neutral","sentiment_score":0.034127138555049896}],"sentiment":"neutral","sentiment_score":0.034127138555049896,"channel":0,"num_words":1,"start":6452.58,"end":6453.08},{"sentences":[{"text":"will it be okay if it's just me in the morning?","start":6453.63,"end":6456.485,"sentiment":"neutral","sentiment_score":0.02898271500386975}],"sentiment":"neutral","sentiment_score":0.02898271500386975,"channel":1,"num_words":11,"start":6453.63,"end":6456.485},{"sentences":[{"text":"Yeah.","start":6457.375,"end":6457.6147,"sentiment":"neutral","sentiment_score":0.035087067633867264},{"text":"Yeah.","start":6457.6147,"end":6457.855,"sentiment":"neutral","sentiment_score":0.06387000530958176},{"text":"Absolutely.","start":6457.855,"end":6458.355,"sentiment":"neutral","sentiment_score":0.1405661404132843},{"text":"Money never sleeps in my world, and it's it's 08:00 at night.","start":6458.415,"end":6461.5547,"sentiment":"neutral","sentiment_score":0.011993424811710915},{"text":"You know, we","start":6462.415,"end":6462.975,"sentiment":"neutral","sentiment_score":0.02228439413011074}],"sentiment":"neutral","sentiment_score":0.025016527415977582,"channel":0,"num_words":18,"start":6457.375,"end":6462.975},{"sentences":[{"text":"Okay.","start":6462.8647,"end":6463.1147,"sentiment":"neutral","sentiment_score":0.08793780207633972}],"sentiment":"neutral","sentiment_score":0.08793780207633972,"channel":1,"num_words":1,"start":6462.8647,"end":6463.1147},{"sentences":[{"text":"do","start":6462.975,"end":6463.135,"sentiment":"neutral","sentiment_score":0.13826949894428253}],"sentiment":"neutral","sentiment_score":0.13826949894428253,"channel":0,"num_words":1,"start":6462.975,"end":6463.135},{"sentences":[{"text":"Perfect.","start":6463.1147,"end":6463.6147,"sentiment":"positive","sentiment_score":0.346827894449234}],"sentiment":"positive","sentiment_score":0.346827894449234,"channel":1,"num_words":1,"start":6463.1147,"end":6463.6147},{"sentences":[{"text":"this.","start":6463.135,"end":6463.5347,"sentiment":"neutral","sentiment_score":0.20031338930130005},{"text":"I do I do, like, maybe five I used to do five to seven of these a day.","start":6463.5347,"end":6467.375,"sentiment":"neutral","sentiment_score":0.11904214363959101},{"text":"So, honestly, anytime whenever it suits you.","start":6467.375,"end":6470.1147,"sentiment":"neutral","sentiment_score":0.1553024756056922}],"sentiment":"neutral","sentiment_score":0.13193035784822243,"channel":0,"num_words":26,"start":6463.135,"end":6470.1147},{"sentences":[{"text":"Not a problem.","start":6470.56,"end":6471.38,"sentiment":"neutral","sentiment_score":0.16568485895792642},{"text":"I can do whatever time in the morning.","start":6472.08,"end":6473.84,"sentiment":"neutral","sentiment_score":0.1001702044159174},{"text":"I start I don't start work till one.","start":6473.84,"end":6478.1,"sentiment":"neutral","sentiment_score":0.008163983351550996}],"sentiment":"neutral","sentiment_score":0.0717751620533435,"channel":1,"num_words":19,"start":6470.56,"end":6478.1},{"sentences":[{"text":"Okay.","start":6478.78,"end":6479.02,"sentiment":"neutral","sentiment_score":0.0990539938211441},{"text":"Well, if Brendan's okay with me to having that discussion with you, if he's if he comes to decision or whatever you guys come to decision on, then we will need to see him send you his ID and, oh, you've already sent through IDs.","start":6479.02,"end":6491.535,"sentiment":"neutral","sentiment_score":0.1303150518072976},{"text":"We're gonna need those.","start":6491.535,"end":6492.575,"sentiment":"neutral","sentiment_score":0.14388159662485123},{"text":"And you've got tax on number.","start":6492.575,"end":6493.6953,"sentiment":"neutral","sentiment_score":0.23404953877131143},{"text":"That's all good from an AML point of view.","start":6493.6953,"end":6495.795,"sentiment":"neutral","sentiment_score":0.30430281824535793}],"sentiment":"neutral","sentiment_score":0.1643350816690005,"channel":0,"num_words":65,"start":6478.78,"end":6495.795},{"sentences":[{"text":"Yes.","start":6495.5747,"end":6496.0747,"sentiment":"neutral","sentiment_score":0.10981376469135284}],"sentiment":"neutral","sentiment_score":0.10981376469135284,"channel":1,"num_words":1,"start":6495.5747,"end":6496.0747},{"sentences":[{"text":"I will need to just ask a question there for again, compliance","start":6496.335,"end":6499.455,"sentiment":"neutral","sentiment_score":0.07206459747006495}],"sentiment":"neutral","sentiment_score":0.07206459747006495,"channel":0,"num_words":12,"start":6496.335,"end":6499.455},{"sentences":[{"text":"Yep.","start":6498.99,"end":6499.49,"sentiment":"neutral","sentiment_score":0.033305101096630096}],"sentiment":"neutral","sentiment_score":0.033305101096630096,"channel":1,"num_words":1,"start":6498.99,"end":6499.49},{"sentences":[{"text":"is everything in our world.","start":6499.455,"end":6500.67,"sentiment":"neutral","sentiment_score":0.013478310778737068},{"text":"So I will need to speak to him, and I will need to get him to sign up on the documents","start":6501.39,"end":6504.69,"sentiment":"neutral","sentiment_score":-0.01264879870272818}],"sentiment":"neutral","sentiment_score":-0.007624354571677172,"channel":0,"num_words":26,"start":6499.455,"end":6504.69},{"sentences":[{"text":"Yep.","start":6504.91,"end":6505.41,"sentiment":"neutral","sentiment_score":0.006215741392225027}],"sentiment":"neutral","sentiment_score":0.006215741392225027,"channel":1,"num_words":1,"start":6504.91,"end":6505.41},{"sentences":[{"text":"that you would have received.","start":6505.23,"end":6506.4497,"sentiment":"neutral","sentiment_score":0.006378810852766037},{"text":"Again, I'm gonna resend them because I wanna update the document with that table shifted.","start":6506.59,"end":6511.17,"sentiment":"neutral","sentiment_score":-0.0065005918343861895}],"sentiment":"neutral","sentiment_score":-0.003280741162598133,"channel":0,"num_words":20,"start":6505.23,"end":6511.17},{"sentences":[{"text":"Yeah.","start":6511.7104,"end":6512.0303,"sentiment":"neutral","sentiment_score":0.08130586892366409},{"text":"Not a problem.","start":6512.0303,"end":6512.85,"sentiment":"positive","sentiment_score":0.3441728154818217}],"sentiment":"neutral","sentiment_score":0.2784560788422823,"channel":1,"num_words":4,"start":6511.7104,"end":6512.85},{"sentences":[{"text":"Amazing.","start":6514.205,"end":6514.705,"sentiment":"positive","sentiment_score":0.694632887840271},{"text":"I'll give you a call, and if he's okay with that, then I'll give you a call at 09:30 on Monday, thirty first.","start":6515.005,"end":6520.685,"sentiment":"neutral","sentiment_score":0.31506404734176136},{"text":"How does that sound?","start":6520.685,"end":6521.665,"sentiment":"neutral","sentiment_score":0.29598068818449974}],"sentiment":"neutral","sentiment_score":0.32589388319424223,"channel":0,"num_words":28,"start":6514.205,"end":6521.665},{"sentences":[{"text":"Sounds perfect so much.","start":6521.9253,"end":6523.365,"sentiment":"positive","sentiment_score":0.7678376585245132},{"text":"Thank you so much, and I'm so sorry.","start":6523.365,"end":6525.045,"sentiment":"positive","sentiment_score":0.39810996782034636},{"text":"It's so late.","start":6525.045,"end":6525.865,"sentiment":"neutral","sentiment_score":-0.12292693555355072}],"sentiment":"positive","sentiment_score":0.39249663800001144,"channel":1,"num_words":15,"start":6521.9253,"end":6525.865},{"sentences":[{"text":"That's right.","start":6526.71,"end":6527.35,"sentiment":"neutral","sentiment_score":0.14224163442850113},{"text":"Not a problem at all.","start":6527.35,"end":6528.23,"sentiment":"neutral","sentiment_score":0.20219330191612245},{"text":"I apologize for taking my time too.","start":6528.23,"end":6530.41,"sentiment":"neutral","sentiment_score":-0.045236188386167796},{"text":"I'll speak to you guys next well, I'll speak to yourself first and next week.","start":6530.95,"end":6534.63,"sentiment":"neutral","sentiment_score":0.14171201487382254},{"text":"Thank you for your patience.","start":6534.63,"end":6535.75,"sentiment":"positive","sentiment_score":0.6175365209579468}],"sentiment":"neutral","sentiment_score":0.1821223319891621,"channel":0,"num_words":34,"start":6526.71,"end":6535.75},{"sentences":[{"text":"I really appreciate it.","start":6535.75,"end":6536.925,"sentiment":"positive","sentiment_score":0.7324988692998886},{"text":"And, yeah, we'll we'll have a chat then.","start":6537.165,"end":6539.085,"sentiment":"neutral","sentiment_score":0.31052132323384285},{"text":"Alright?","start":6539.085,"end":6539.585,"sentiment":"neutral","sentiment_score":0.16303904354572296}],"sentiment":"positive","sentiment_score":0.42901577743200153,"channel":0,"num_words":13,"start":6535.75,"end":6539.585},{"sentences":[{"text":"Not a problem.","start":6539.8003,"end":6540.36,"sentiment":"positive","sentiment_score":0.39726971586545307},{"text":"Thank you so much.","start":6540.36,"end":6541.42,"sentiment":"positive","sentiment_score":0.76775823533535}],"sentiment":"positive","sentiment_score":0.6089774412768227,"channel":1,"num_words":7,"start":6539.8003,"end":6541.42},{"sentences":[{"text":"Amazing.","start":6541.7246,"end":6542.2046,"sentiment":"positive","sentiment_score":0.8298250436782837},{"text":"Enjoy the rest of your night.","start":6542.2046,"end":6543.085,"sentiment":"positive","sentiment_score":0.81338303287824},{"text":"See you.","start":6543.085,"end":6543.405,"sentiment":"positive","sentiment_score":0.5792055130004883},{"text":"Bye.","start":6543.405,"end":6543.905,"sentiment":"positive","sentiment_score":0.3678228259086609}],"sentiment":"positive","sentiment_score":0.7236357092857361,"channel":0,"num_words":10,"start":6541.7246,"end":6543.905},{"sentences":[{"text":"You too.","start":6543.48,"end":6544.04,"sentiment":"neutral","sentiment_score":0.3302880823612213},{"text":"Bye.","start":6544.04,"end":6544.54,"sentiment":"neutral","sentiment_score":-0.10718582570552826}],"sentiment":"neutral","sentiment_score":0.18446344633897147,"channel":1,"num_words":3,"start":6543.48,"end":6544.54}]},"summary":{"result":"success","short":"The speakers emphasize the importance of privacy and compliance, reducing debt, and creating a legal claim for insurers. They recommend investment-grade products and a one path policy for a woman with mental health issues. The speaker emphasizes managing insurance premiums and risk profiles, compliance, and best interests for insurers, and setting clear goals and providing information on fees and expenses. They also mention a meeting with a broker and promise to speak to the customer."},"intents":{"segments":[{"text":"So in the soft file, I've had to update the SOA. So in Uh-huh.","start_word":17,"end_word":30,"intents":[{"intent":"Update soa","confidence_score":0.69304645}]},{"text":"Can you please upload go into their go into their OdooSign template. Yep. Yep. Can you please upload those two documents for signing and put Yep. them at the top? Yep.","start_word":74,"end_word":104,"intents":[{"intent":"Upload documents","confidence_score":0.9172133}]},{"text":"I'm just saying that I've had a problem with my portal, which I have. Yeah.","start_word":119,"end_word":133,"intents":[{"intent":"Fix portal problem","confidence_score":0.00015451398},{"intent":"Get help with portal","confidence_score":0.00045591805}]},{"text":"I should have already deleted them out. I just You need deleted the ones in the there. You deleted the s o a, but not the appendix. I'm deleting the appendix now.","start_word":163,"end_word":194,"intents":[{"intent":"Delete appendix","confidence_score":0.029448291}]},{"text":"Please put it on and send it through. I'll start speaking to them now. Okay.","start_word":254,"end_word":268,"intents":[{"intent":"Send document","confidence_score":0.031736415}]},{"text":"It's, yeah, it's it's about let's see how many pages. I'll open it up in my mind. About sixty days a month.","start_word":652,"end_word":673,"intents":[{"intent":"Explain document process","confidence_score":0.000047811813}]},{"text":"So the first documents, the twenty twenty six zero eight twenty four statement of advice, Brendan Madison, PDF. Perfect.","start_word":777,"end_word":795,"intents":[{"intent":"Confirm document","confidence_score":0.011301232}]},{"text":"So this next page, let's just skip through page by page.","start_word":1038,"end_word":1048,"intents":[{"intent":"Inquire about the next page","confidence_score":0.000033448276}]},{"text":"So and just keep in mind, if you have any questions along the way or would like to discuss anything, just don't hesitate to reach out.","start_word":1326,"end_word":1351,"intents":[{"intent":"Discuss topics or inquire about topics","confidence_score":1.0118904e-8}]},{"text":"So and just keep in mind, if you have any questions along the way or would like to discuss anything, just don't hesitate to reach out. That's kind of, you know, what what what what this whole conversation's about. Okay?","start_word":1326,"end_word":1365,"intents":[{"intent":"Discuss the future conversation","confidence_score":0.016812475}]},{"text":"Like I said, I've done a recommendation of an alternate super fund for both of you. You actually get Yes. discounts.","start_word":1527,"end_word":1547,"intents":[{"intent":"Recommend alternate super fund","confidence_score":0.028626038}]},{"text":"But we have to address the super because we're addressing the insurances. Okay.","start_word":1587,"end_word":1599,"intents":[{"intent":"Address insurance goals","confidence_score":0.039463717}]},{"text":"Our goals so our priority is to make sure that we and our young family are financially protected if either of us dies become seriously ill or injured, becomes permanently disabled, or unable to work for an extended period of time. We would like to understand the appropriate levels of life and total point of stability, income protection, critical illness cover, which is all of them, taking into consideration our mortgage income and ongoing household expenditure for future needs for our children as well. Does that make sense?","start_word":1659,"end_word":1746,"intents":[{"intent":"Discuss financial protection","confidence_score":0.1022635}]},{"text":"What I've also put in there is estate planning.","start_word":1768,"end_word":1776,"intents":[{"intent":"Consider estate planning","confidence_score":0.054903693}]},{"text":"I know that you said we're in our discussions that you wanted to have a look at some sort of, you know, will, power of attorney, stuff like that.","start_word":1778,"end_word":1806,"intents":[{"intent":"Discuss will power of attorney","confidence_score":0.024693888}]},{"text":"I'll go with the free version, to be honest. Yeah. Yeah.","start_word":1921,"end_word":1931,"intents":[{"intent":"Confirm availability of free version","confidence_score":0.000875767}]},{"text":"You use that to your benefit. Yeah.","start_word":1976,"end_word":1982,"intents":[{"intent":"Suggest using benefits","confidence_score":0.0004073819}]},{"text":"Okay?","start_word":2070,"end_word":2070,"intents":[{"intent":"End conversation","confidence_score":0.018738382}]},{"text":"So that's that's the scope of advice just to make sure you're completely protected, especially if we're looking at writing insurances. Right? Yep.","start_word":2124,"end_word":2146,"intents":[{"intent":"Educate about insurance coverage","confidence_score":0.0059956512}]},{"text":"I can give advice on tax, any tax or business, personal, commercial, what you know, whatever it is, especially more importantly ways to mitigate it. But Yes.","start_word":2572,"end_word":2598,"intents":[{"intent":"Provide tax advice","confidence_score":0.078476846}]},{"text":"So when you're looking at paying for those premiums, which is that income protection, if you were to claim on it for something as significant as a broken femur, which is about three months, that's the biggest part in your body as you know, Yes.","start_word":3124,"end_word":3168,"intents":[{"intent":"Clarify and discuss premiums","confidence_score":0.000032195556}]},{"text":"So if something like that were to occur and you were to go on a TPD claim, then would $359,323 be enough to cover your needs?","start_word":3590,"end_word":3615,"intents":[{"intent":"Assess coverage requirements","confidence_score":0.057801608}]},{"text":"So like I said, it's it's interesting because I recommended a super fund.","start_word":3818,"end_word":3830,"intents":[{"intent":"Evaluate super fund recommendations","confidence_score":0.09158026}]},{"text":"The reason why I'm recommending hub twenty four is because it's essentially is $87 cheaper or oh, 87. That's not $87. It's a lot more than $87.","start_word":4400,"end_word":4426,"intents":[{"intent":"Recommend hub 20, Explain calculation","confidence_score":0.000006918215}]},{"text":"so the to to answer your question, that negative four ten is the difference in administration fee of q super versus hub 24.","start_word":4970,"end_word":4992,"intents":[{"intent":"Explain cost difference","confidence_score":0.08623878}]},{"text":"But when it comes to insurance companies, we only have a select a selected number of insurers on our approved product list called ABL. And the reason for that is because if we're recommending insurance cover for for clients, we wanna make sure that it's with the company that's got enough money to pay you and not going bust anytime soon. Right? Yeah.","start_word":5234,"end_word":5296,"intents":[{"intent":"Recommend insurance coverage","confidence_score":0.05547645}]},{"text":"So have you can you see that needs analysis table? Yes. Cool.","start_word":5756,"end_word":5767,"intents":[{"intent":"Calculate needs analysis table","confidence_score":0.12694499}]},{"text":"So it gives him the opportunity to, you know, take a morning period of whatever however long that takes to, you know, take some time of working, not have to worry about the bills, have no mortgage, and still not and still look after the family and the kids, right, if you weren't Yep. there. Does that make sense?","start_word":5973,"end_word":6031,"intents":[{"intent":"Provide options for family and kids","confidence_score":0.000088136054}]},{"text":"So, again, it's about balancing this what you're paying versus what you can get. Because if you don't claim and none of this happens, then you've just paid $10,000 plus a year for something you don't or nothing. Yes.","start_word":6234,"end_word":6272,"intents":[{"intent":"Balance expenses and payments","confidence_score":0.00019445454}]},{"text":"Then what we do is we actually we wanna try and get the cover amount of sum insured as low as possible. So what we do is we take off your superannuation, which is a $108,590 at the moment. Because if you were to pass away or get TPD, your super is gonna get paid out to your beneficiary or yourself if you TPD. Right?","start_word":6300,"end_word":6364,"intents":[{"intent":"Ensure insurance coverage","confidence_score":0.0011007121}]},{"text":"So what we do is we take off your superannuation, which is a $108,590 at the moment. Because if you were to pass away or get TPD, your super is gonna get paid out to your beneficiary or yourself if you TPD. Right?","start_word":6322,"end_word":6364,"intents":[{"intent":"Provide health insurance coverage","confidence_score":0.00067716}]},{"text":"So if you've already got a $108,000 in there, then why do you need to pay premiums on it? Because you can reduce that from the amount that you need to be insured by. Right?","start_word":6365,"end_word":6399,"intents":[{"intent":"Reduce premiums","confidence_score":0.5783152},{"intent":"Consider cost of insurance","confidence_score":0.0028016213}]},{"text":"So that means that your life insurance, the amount you need right now, so you're essentially, what your life's worth is more but as it sounds, is $1,558,410. That is what your life is worth. Okay?","start_word":6413,"end_word":6448,"intents":[{"intent":"Express confidence in insurance coverage","confidence_score":0.00012682159},{"intent":"Understand insurance cover","confidence_score":0.000002811834}]},{"text":"So that means that your life insurance, the amount you need right now, so you're essentially, what your life's worth is more but as it sounds, is $1,558,410. That is what your life is worth. Okay? So your TPD is Perfect. obviously the same number minus $20,000 because you that's the funeral expenditure. Sure.","start_word":6413,"end_word":6466,"intents":[{"intent":"Confirm financial coverage","confidence_score":0.00009478507}]},{"text":"So that's usually, I like to go with just everything paid out of the as superannuation so it doesn't affect your cash flow, especially for Yep.","start_word":6562,"end_word":6587,"intents":[{"intent":"Plan for future changes","confidence_score":0.000019889681},{"intent":"Plan for future","confidence_score":0.0001000214}]},{"text":"So that's usually, I like to go with just everything paid out of the as superannuation so it doesn't affect your cash flow, especially for Yep. a young, struggling family. But it's definitely something that you should consider because it's one of the highest claimed upon after income protection. Because we're in Australia.","start_word":6562,"end_word":6614,"intents":[{"intent":"Predict future coverage","confidence_score":0.0007057572},{"intent":"Suggest future insurance coverage","confidence_score":0.000018674184}]},{"text":"Specialty and finals Queensland. Exactly. So it's definitely something that you wanna consider.","start_word":6623,"end_word":6635,"intents":[{"intent":"Express interest in specific topics","confidence_score":0.0049793352}]},{"text":"I want I did that recommendation in there so that you can at least, you know, get an idea of what it looks like and what the cost would be. Okay?","start_word":6637,"end_word":6667,"intents":[{"intent":"Calculate yearly costs and expenses","confidence_score":0.000026568507}]},{"text":"Your asset your asset worth net pool has kinda grown in value, and you paid your mortgages down. Right? So Yes. the whole point is to be self insured. Because if you had $1,500,000 in cash with your current situation, then you wouldn't need to pay some other bloke a premium every year, 3,000, $4,000 a year to cover your needs because you'd be able to cover them yourself. That's the ultimate outcome.","start_word":6730,"end_word":6802,"intents":[{"intent":"Cover assets and liabilities effectively","confidence_score":0.00000520946}]},{"text":"And we can sell them off. Exactly.","start_word":6850,"end_word":6856,"intents":[{"intent":"Sell investment properties and earn income","confidence_score":0.003640711}]},{"text":"We do review your insurances comprehensively every twelve months because I'm not a fan of insurance. It's a necessary evil. That's why I wanted to give you a recommendation on your superannuation as well.","start_word":7040,"end_word":7073,"intents":[{"intent":"Recommend superannuation plan","confidence_score":0.03959436}]},{"text":"So every strategy including super and Brandon's insurance recommendations has all of these. So I'll let you read in your own time, but this is just from a compliance point of view. We have to put these in in writing so that you can understand why we recommended what we recommended. Okay?","start_word":7389,"end_word":7440,"intents":[{"intent":"Recommend changes","confidence_score":0.00059142284}]},{"text":"have about, you know, somewhere around a million dollars left to go to funder to be able to facilitate the premium period if, you know, Rennon didn't wanna work or you wanted to build up some investments so that you can be in a position to continue on a your your lifestyle, especially if you if you can't go back to work or injury illness or you, you know, paralyzed, something along those lines.","start_word":7696,"end_word":7769,"intents":[{"intent":"Facilitate premium period","confidence_score":0.5612055}]},{"text":"The the the next page, just to just to touch on the Clearview trauma policy, see it's life cover with trauma and linked. So it's a life policy for a 110,000, one year worth of income, gross, but I've linked on trauma. And the series is a standalone versus linked. Can you see that on page 44?","start_word":7806,"end_word":7862,"intents":[{"intent":"Link trauma policy","confidence_score":0.02060518}]},{"text":"The the the next page, just to just to touch on the Clearview trauma policy, see it's life cover with trauma and linked. So it's a life policy for a 110,000, one year worth of income, gross, but I've linked on trauma. And the series is a standalone versus linked. Can you see that on page 44? Yes.","start_word":7806,"end_word":7863,"intents":[{"intent":"Understand coverage","confidence_score":0.0084443325}]},{"text":"You Yeah. know?","start_word":7937,"end_word":7939,"intents":[{"intent":"Benefit from coverage","confidence_score":0.0005414978}]},{"text":"So if you have a heart attack and you get a lump sum payout because it's post tax, you gotta own it yourself. So that's the only reason why it's paid out of super. Okay? Yeah.","start_word":7984,"end_word":8019,"intents":[{"intent":"Own policy","confidence_score":0.019279148}]},{"text":"Well, you get a cheaper premium sometimes. Yeah.","start_word":8139,"end_word":8146,"intents":[{"intent":"Reduce premium","confidence_score":0.02579815}]},{"text":"So I'm glad you brought that up because I can definitely do quotes for two years, five years, age two age 60, and two age 65.","start_word":8395,"end_word":8420,"intents":[{"intent":"Provide quote","confidence_score":0.012393208}]},{"text":"I wanna show you the benefits of having all the cover. But to drop it to five years, that's gonna reduce the premium down to the $2.5 kind of region.","start_word":8627,"end_word":8656,"intents":[{"intent":"Discuss benefits","confidence_score":0.0042618196},{"intent":"Reduce premium","confidence_score":0.019692315}]},{"text":"one of the one of the questions that I I asked was when you get to retirement and you both decide to hang up your boots, what does that look like? What when do you wanna retire? And on how much per week if you had no mortgage, no debts, what what would that look like?","start_word":8802,"end_word":8857,"intents":[{"intent":"Clarify retirement","confidence_score":0.001287743},{"intent":"Calculate retirement timeline","confidence_score":0.010159123},{"intent":"Clarify retirement income","confidence_score":0.00038740062}]},{"text":"That's what we kind of determined would be a suitable income per week to be able to live on. Right? Do you remember that?","start_word":8895,"end_word":8918,"intents":[{"intent":"Determine optimum income","confidence_score":0.00017654088}]},{"text":"now I'm talking about the financial planning perspective of Okay. trying to get you to what you need to retire on with including these increase of insurances. Yes.","start_word":9291,"end_word":9318,"intents":[{"intent":"Evaluate financial planning","confidence_score":0.025601305}]},{"text":"So when I'm looking at covering you for insurances, but getting your super to pay for it, I wanna know the effects of what your suit that looks like for your superannuation.","start_word":9497,"end_word":9528,"intents":[{"intent":"Understand suit effects","confidence_score":0.010413847},{"intent":"Evaluate insurance benefits","confidence_score":0.0010510393}]},{"text":"So when I'm looking at covering you for insurances, but getting your super to pay for it, I wanna know the effects of what your suit that looks like for your superannuation. So if you got if you left everything as is with q super, but have cover that you're paying since you're on page 27, you're paying $734 a year for that current insurance. That's your current situation.","start_word":9497,"end_word":9565,"intents":[{"intent":"Evaluate insurance coverage","confidence_score":0.004282936}]},{"text":"And that's that's the fees that you're paying for the super fund itself, and that's the growth that you've achieved in that high growth investments over the last five years. So from from the July 31, go back five years, and you look at the overall return and then you average it up per annum, you've essentially got a return of 8.77% every year per annum. Yes.","start_word":9599,"end_word":9665,"intents":[{"intent":"Analyze benefits","confidence_score":0.0017561674}]},{"text":"Next, we go, alright. Well, if you were to continue, just leave everything as is. And after I did a five year comparison because well, five year projection because I'm doing a five year rolling average, so five years back, what does it look like in another five years based on those numbers? And what the effects of higher insurance premiums would look like based on our recommendation. But Yes.","start_word":9722,"end_word":9791,"intents":[{"intent":"Analyze future plans","confidence_score":0.0025001334}]},{"text":"And what the effects of higher insurance premiums would look like based on our recommendation.","start_word":9775,"end_word":9789,"intents":[{"intent":"Evaluate insurance premiums","confidence_score":0.10873484}]},{"text":"That's the that was that's what your super balance would be. Right? And that that's more, essentially, than the 1,040,000 that we wanted to try and get to. So does that kind of does that give you an idea of what I was trying to explain before, or does that make sense? Yeah.","start_word":9856,"end_word":9908,"intents":[{"intent":"Clarify super balance","confidence_score":0.047529895}]},{"text":"So does that kind of does that give you an idea of what I was trying to explain before, or does that make sense? Yeah.","start_word":9884,"end_word":9908,"intents":[{"intent":"Explain investment logic","confidence_score":0.03796614}]},{"text":"So, essentially, if we use the same logic on, let's say, a 5% return net because we wanna reduce risk as much as possible when you get to retirement.","start_word":9927,"end_word":9955,"intents":[{"intent":"Reduce risks","confidence_score":0.00025469926}]},{"text":"So, essentially, if we use the same logic on, let's say, a 5% return net because we wanna reduce risk as much as possible when you get to retirement. Because if our GFC two point o hits, then I don't want you to be invested in any shares. I only want you to be invested in bonds, Yes.","start_word":9927,"end_word":9984,"intents":[{"intent":"Recommend investment","confidence_score":0.0007575629}]},{"text":"So you're living on interest. That that's free money. Will that be enough, though, in that sixty five years, like, because there's, like, inflation?","start_word":10076,"end_word":10099,"intents":[{"intent":"Consider interest rates","confidence_score":0.00028140657}]},{"text":"Will that be enough, though, in that sixty five years, like, because there's, like, inflation?","start_word":10085,"end_word":10099,"intents":[{"intent":"Discuss inflation","confidence_score":0.06339113}]},{"text":"So most calculation like, in MoneySmart budget calculator, they'd use inflation of two and a half percent every year. We use 3% just to be safe. So Yeah.","start_word":10191,"end_word":10218,"intents":[{"intent":"Calculate inflation rate","confidence_score":0.13739257}]},{"text":"The insurance premiums is $3,711 per annum, which is the recommendation that we just went through, the 1,500,000 of life and TPD. Do you remember that?","start_word":10655,"end_word":10680,"intents":[{"intent":"Discuss insurance premiums and fees","confidence_score":0.008064748}]},{"text":"So if we manage your superannuation and the charge of the statement of advice, it's for it's $4,950 per person. But for a couple, it's 3,300 each. So we reduce that fee down between you, if that makes Yes. sense. Because Yes.","start_word":10829,"end_word":10870,"intents":[{"intent":"Manage superannuation","confidence_score":0.0045105587}]},{"text":"So we reduce that fee down between you, if that makes Yes. sense.","start_word":10856,"end_word":10868,"intents":[{"intent":"Reduce fee","confidence_score":0.772452}]},{"text":"So with that fee as well as that ongoing advisory, the percentage base, the more money you make, the more money we make. If you lose Yes.","start_word":10878,"end_word":10904,"intents":[{"intent":"Maximize profits","confidence_score":0.00059323345}]},{"text":"But what I've done as well is I've also done a comparison of if we only had the insurance premiums in your existing super fund. I've done that in the appendix as well. So let me know if you wanted to have a look at that, and I can walk you through that too.","start_word":11114,"end_word":11167,"intents":[{"intent":"Compare insurance premiums","confidence_score":0.20377676}]},{"text":"So let me know if you wanted to have a look at that, and I can walk you through that too.","start_word":11147,"end_word":11167,"intents":[{"intent":"Review situation","confidence_score":0.00015212706}]},{"text":"Investment BDSs, this is the portfolio I'm actually recommending for yourself within that Yes. hub twenty four fund.","start_word":11319,"end_word":11336,"intents":[{"intent":"Evaluate portfolio recommendations","confidence_score":0.07260437}]},{"text":"So if you look for the comparison between two tables, after five years, it's the same $190,827. But because the insurance premiums on a like for like comparison are higher if we just do insurances, it's actually with the same insurance, but within the hub twenty four. You'll save a dollar in fees in terms of administration investment cost, but you will also there'll be $4,000 paid off. Woo hoo.","start_word":11526,"end_word":11595,"intents":[{"intent":"Analyze insurance comparisons","confidence_score":0.0075562997}]},{"text":"I understand that. But to an insurer, they do not care at all Okay. at all.","start_word":11921,"end_word":11936,"intents":[{"intent":"Confirm understanding","confidence_score":0.016790101}]},{"text":"But to an insurer, they do not care at all Okay. at all.","start_word":11924,"end_word":11936,"intents":[{"intent":"Disclose coverage","confidence_score":0.000085439584}]},{"text":"So, yeah, we have to disclose that. And just to give you an idea, the difference in premium for smoker and not in smoker, this is why I've done the different premiums in different places, is fourth Okay.","start_word":11937,"end_word":11974,"intents":[{"intent":"Provide information","confidence_score":0.04196835}]},{"text":"And just to give you an idea, the difference in premium for smoker and not in smoker, this is why I've done the different premiums in different places, is fourth Okay.","start_word":11944,"end_word":11974,"intents":[{"intent":"Explain benefits","confidence_score":0.0030091011}]},{"text":"So the way that they the way we that insurance companies calculate price versus risk, the monetary outcome versus the risk that they gotta take and work out a dollar figure behind that is a job called by job done by an actuary.","start_word":12168,"end_word":12210,"intents":[{"intent":"Discuss job","confidence_score":0.05987243}]},{"text":"So an actuary is like a a it's a it's a it's a occupation, I guess, if it's a job, and they are very strange people.","start_word":12224,"end_word":12249,"intents":[{"intent":"Clarify actuary's role","confidence_score":0.021691998}]},{"text":"And then if anything were to happen, the benefit of that is if anything were to happen down the track, the questions have already been asked. So they have to pay you depending on the outcome. So Yes.","start_word":12871,"end_word":12908,"intents":[{"intent":"Ask questions","confidence_score":0.00104832}]},{"text":"is I do wanna update that that document table where it said that the where it was the recommended. The like, it's your do you know where it said negative $4.10 for admin fees? That's for mine.","start_word":13030,"end_word":13066,"intents":[{"intent":"Update document table","confidence_score":0.3547112}]},{"text":"So what I can do is I'll just copy this table here, and I will send it to you because I don't like that it copied over. But when I send it through to you, you'll see that it's just the difference in the actual fees. So I'll Yes.","start_word":13070,"end_word":13118,"intents":[{"intent":"Clarify fee difference","confidence_score":0.0111366995}]},{"text":"Brandon's only got their two year benefit period. Yeah.","start_word":13189,"end_word":13197,"intents":[{"intent":"Explain benefits","confidence_score":0.16306388},{"intent":"Clarify benefits","confidence_score":0.033087995}]},{"text":"So he's Does also that does not that make covered for melanoma either. sense?","start_word":13442,"end_word":13455,"intents":[{"intent":"Inquire about coverage","confidence_score":0.00051326194}]},{"text":"Then if we would do underwriting and get comprehensive insurance for, let's say, myself, then they would exclude the lower spine, so the lumbar spine. However, Yes.","start_word":13620,"end_word":13646,"intents":[{"intent":"Underwrite insurance","confidence_score":0.20889865},{"intent":"Verify insurance coverage","confidence_score":0.007644803},{"intent":"Inform about insurance coverage","confidence_score":0.015015753}]},{"text":"it's got to do with the preexisting condition.","start_word":13646,"end_word":13653,"intents":[{"intent":"Explain pre-existing condition","confidence_score":0.0013877152}]},{"text":"through that insurance application, we would submit it towards the insurer, and I'd probably more than likely be able to let you know. I've been doing this for, you know, pretty much my whole life. So Yes. Yeah.","start_word":13817,"end_word":13854,"intents":[{"intent":"Submit insurance application","confidence_score":0.5209652}]},{"text":"inclusive of the investments, my whole financial scope. But, yeah, Thank we're pretty good at picking things up before we submit you. it and letting you Yes. know what to expect when we get it back. Yes.","start_word":13855,"end_word":13891,"intents":[{"intent":"Inquire about financial scope","confidence_score":0.000057910773}]},{"text":"So we get your pre pre assessment of your health conditions as well as what cover you need and your situation, age, and stage, everything.","start_word":13950,"end_word":13974,"intents":[{"intent":"Evaluate health conditions and coverage","confidence_score":0.03570702}]},{"text":"So we get your pre pre assessment of your health conditions as well as what cover you need and your situation, age, and stage, everything. And then we go and we we compare that outcome with a whole bunch of different providers.","start_word":13950,"end_word":13991,"intents":[{"intent":"Compare outcomes with insurers","confidence_score":0.002008009}]},{"text":"And then we go and we we compare that outcome with a whole bunch of different providers.","start_word":13974,"end_word":13990,"intents":[{"intent":"Compare outcomes with providers","confidence_score":0.42362002}]},{"text":"On the second attachment in that document in the appendix, it actually gives you a little bit of a rating in comparison to what a c bus insurance looks like as well.","start_word":14372,"end_word":14403,"intents":[{"intent":"Provide ratings","confidence_score":0.0038265418}]},{"text":"It essentially shows you an overall score between the life, the TPD, and the features involved. Yep.","start_word":14659,"end_word":14675,"intents":[{"intent":"Provide insurance advice","confidence_score":0.0016137598}]},{"text":"about it, And we can book in time, you know, in a couple days just to have a catch up. Or if you want the weekend, Yes.","start_word":15108,"end_word":15134,"intents":[{"intent":"Schedule call","confidence_score":0.013280082}]},{"text":"But does that give you a better indication of what it looks like? Yep.","start_word":15411,"end_word":15424,"intents":[{"intent":"Understand market and its impact","confidence_score":3.3195966e-9}]},{"text":"So Brendon's like like that if you go down underneath those investment fees, so there's admin fee, investment fee, any other fees, adviser service fee, that's a percentage based compared Yep.","start_word":15840,"end_word":15870,"intents":[{"intent":"Clarify information","confidence_score":0.16252375}]},{"text":"You Lovely. should be able to get the same benefits and be able to get the same outcome as if you were with that fund or any other fund. Yeah. Lovely.","start_word":16114,"end_word":16144,"intents":[{"intent":"Evaluate financial planning","confidence_score":0.00038398543}]},{"text":"So if if five year is the lowest and let's say we do have ten year data available data and it's, say, 10%, we would still use the five year data because it's 9.6% on our returns, and we do a like for like comparison compared to whatever fund we're recommending against.","start_word":16445,"end_word":16496,"intents":[{"intent":"Compare data","confidence_score":0.1660213},{"intent":"Understand benefits of five-year comparison","confidence_score":0.00081609614}]},{"text":"So the last thing I wanna touch on is the fees. So if we scroll all the way down that original document, again, we're more regulated than the pharmaceutical industry. And looking at the documents and everything we have to incorporate into this advice, you can probably understand where I'm coming from now. Yes. Right?","start_word":16749,"end_word":16803,"intents":[{"intent":"Discuss fees and portfolio","confidence_score":0.16076119},{"intent":"Discuss fees","confidence_score":0.08732582},{"intent":"Discuss fees and guidance","confidence_score":0.0014582758}]},{"text":"It says, like, establish your beneficiary nominations for the insurances and new funds if you go ahead with them.","start_word":16821,"end_word":16839,"intents":[{"intent":"Establish beneficiary nominations","confidence_score":0.3162055}]},{"text":"We we also recommend established power of attorney in case something happens to you both.","start_word":16881,"end_word":16895,"intents":[{"intent":"Recommend power of attorney","confidence_score":0.5125264}]},{"text":"We need to make sure that, one, we know what to do with the way to pay the money to, and two, what to do with it. As Yep.","start_word":16896,"end_word":16924,"intents":[{"intent":"Discuss payment options","confidence_score":0.109258674},{"intent":"Discuss financial planning","confidence_score":0.015358789}]},{"text":"Remuneration fees is what we get remunerated by, how how we get remunerated. oh, this is how you get paid. This is how we get back. Correct. Yeah.","start_word":17015,"end_word":17042,"intents":[{"intent":"Explain fees","confidence_score":0.013044774}]},{"text":"If you were to look at cash on budgeting or leveraging, gearing, and personal investments, then we charge just to write this document, we charge anywhere from $1,650 out of pocket to $2,200 out of pocket.","start_word":17146,"end_word":17181,"intents":[{"intent":"Discuss savings","confidence_score":0.005454111}]},{"text":"Because you're only focusing on super and insurance, we charge we only charge once you decide to proceed with something. Right?","start_word":17183,"end_word":17203,"intents":[{"intent":"Clarify pricing and costs","confidence_score":0.0002607781}]},{"text":"We've deducted that 3,300 from each of your super funds straight off the bat. And when we'll start with looking at the projections moving forward, that's comparison over five years, ten years, and thirty two years by the age of 60. That is net of all fees, platform fees, insurance premiums, as well as our fees. Yep.","start_word":17554,"end_word":17610,"intents":[{"intent":"Deduct fees","confidence_score":0.16799787}]},{"text":"Does that make does that make sense? Yes.","start_word":17706,"end_word":17713,"intents":[{"intent":"Discuss investment decision","confidence_score":0.000006993986},{"intent":"Confirm understanding","confidence_score":0.008877267}]},{"text":"Amazing.","start_word":17833,"end_word":17833,"intents":[{"intent":"Express gratitude","confidence_score":0.0135247}]},{"text":"So on the next page and then on the page after that, 69 shows the how to implement our advice if you were to go ahead with everything, step by step guide for who Yep. and when Yep. all the way down.","start_word":17914,"end_word":17955,"intents":[{"intent":"Guide and implement advice","confidence_score":0.0007308443}]},{"text":"Well, if Brendan's okay with me to having that discussion with you, if he's if he comes to decision or whatever you guys come to decision on, then we will need to see him send you his ID and, oh, you've already sent through IDs. We're gonna need those. And you've got tax on number. That's all good from an AML point of view. Yes.","start_word":18198,"end_word":18262,"intents":[{"intent":"Plan discussion","confidence_score":0.00596694}]}]},"sentiments":{"segments":[{"text":"Caden? Hello? I've got Madison for you.","start_word":0,"end_word":6,"sentiment":"neutral","sentiment_score":0.13949237763881683},{"text":"Amazing.","start_word":7,"end_word":7,"sentiment":"positive","sentiment_score":0.6273542642593384},{"text":"Can you please do me a favor? Yep. Okay. So in the soft file, I've had to update the SOA. So in Uh-huh. the soft file, there is a folder called the hold up. Hold up. There is a folder called s zed in Madison, Svanio CEOs folder. Yep. There is a in the research working papers s z s o I said SOA. Yep. a. Can you please upload go into their go into their OdooSign template. Yep. Yep. Can you please upload those two documents for signing and put Yep. them at the top? Yep. And then put the signatures there and everything and send the whole pack out. I'm just saying that I've had a problem with my portal, which I have. Yeah. I'll stay on yep. That's all good. I need that. Hold on. Hold Cool. on. Fuck's Just gonna sakes. try and replace them now. So There's okay. no replacing. I should have already deleted them out. I just You need deleted the ones in the there. You deleted the s o a, but not the appendix. I'm deleting the appendix now. And then please And move it's them been to over the top. to s o a Yep. Sure can. And make sure it's the s zed s o a ones, please. Madison Research, working paper, SZSOA, saving advice, and SOA appendix. Lovely. The SOA appendix is the top one.","start_word":8,"end_word":243,"sentiment":"neutral","sentiment_score":-0.0034974138252437115},{"text":"Amazing. Beautiful.","start_word":244,"end_word":245,"sentiment":"positive","sentiment_score":0.4397422671318054},{"text":"Pull replace. Yep. That should work.","start_word":246,"end_word":251,"sentiment":"neutral","sentiment_score":0.249942347407341},{"text":"Amazing. Brilliant.","start_word":252,"end_word":253,"sentiment":"positive","sentiment_score":0.4603214561939239},{"text":"Please put it on and send it through. I'll start speaking to them now. Okay. Alright. Thank I believe you. Done. that updated. Go. Send Yep. just Yep. send him Cool. through. Thank you. Alright. Brilliant. Bye. Hey. Merge. Hey then, Madison. How are you? Good. Sorry. I'm not sure what happened. That's okay.","start_word":254,"end_word":307,"sentiment":"neutral","sentiment_score":0.10110610723495483},{"text":"We've been going back and forth, and then started making funny noises and beep beepiness. I'm not too sure what's going on.","start_word":308,"end_word":329,"sentiment":"negative","sentiment_score":-0.3839002251625061},{"text":"It must be my Internet or something's happening, but the exact same person that you just spoke to, Caden, he is all over, and he was actually uploading everything for us as we speak.","start_word":330,"end_word":363,"sentiment":"neutral","sentiment_score":-0.1032390296459198},{"text":"So Oh, perfect.","start_word":364,"end_word":366,"sentiment":"positive","sentiment_score":0.36069661378860474},{"text":"I was just kind of sitting, twiddling my fingers, and just just holding off. So you should receive something fairly soon. Either way, I'm just in the middle of drawing up a email to send Oh, perfect. that so that it's at some point, you'll receive one of the one of the two so we can go through the recommendations, and we all can get to dinner and everything else.","start_word":367,"end_word":436,"sentiment":"neutral","sentiment_score":0.1722288727760315},{"text":"Lovely. Beautiful.","start_word":437,"end_word":438,"sentiment":"positive","sentiment_score":0.5503975749015808},{"text":"I do apologize what's going on. Here I am. You know what? I might have to get in touch with Starlink because it might have something to do with that. Alright. That's I fine. must firstly I must firstly apologize for Glenn presenting your recommendations this evening as discussed. Please see attached. Look. I'm just gonna send you just something really quick and easy so that we can get into it. Okay?","start_word":439,"end_word":510,"sentiment":"neutral","sentiment_score":0.04385347664356232},{"text":"Lovely. Amazing.","start_word":511,"end_word":512,"sentiment":"positive","sentiment_score":0.5936965942382812},{"text":"Alright. There is that. And I also attached the appendix. So at least you've got it via email, and I'll cc Brendan in as well. And appendix.","start_word":513,"end_word":539,"sentiment":"neutral","sentiment_score":0.1312098503112793},{"text":"Amazing.","start_word":540,"end_word":540,"sentiment":"positive","sentiment_score":0.4377824664115906},{"text":"Alright. So I've just sent that out via email. So let me know when you have received or sent it to madison_o8@hotmail.com. Lovely. I checked my junk. Lots of things that end up there. Yeah. This is so when it comes through for once you kind of move do you you use Hotmail? Obviously, on Gmail, it carries on going to spam or junk until you actually right click and say move to inbox. So it might be the same with Hot Hotmail. I'm not too sure. Maybe give it a refresh as well. Nothing just yet. That's okay. It's a fairly large document. Don't be too intimidated by it. It's, yeah, it's it's about let's see how many pages. I'll open it up in my mind. About sixty days a month. So I pay you more because dual we call you guys dual clients. So we do not only a recommendation for yourself, we have to do one for each of you. So I've done obviously a super recommendation with the inclusion of insurances, but then I can walk you through the insurances, which is the primarily what you're looking for. Right? Okay.","start_word":541,"end_word":734,"sentiment":"neutral","sentiment_score":0.007496856844302305},{"text":"Perfect. Yep.","start_word":735,"end_word":736,"sentiment":"positive","sentiment_score":0.42736101150512695},{"text":"Let So me know should when you I got go it through.","start_word":737,"end_word":748,"sentiment":"neutral","sentiment_score":0.2538350522518158},{"text":"I've got it. Amazing.","start_word":749,"end_word":752,"sentiment":"positive","sentiment_score":0.41355660557746887},{"text":"Do you get the email? Which email are you looking at? The sign in one or my one? Your one. My one.","start_word":753,"end_word":774,"sentiment":"neutral","sentiment_score":0.08561374247074127},{"text":"Beautiful.","start_word":775,"end_word":775,"sentiment":"positive","sentiment_score":0.4945493638515472},{"text":"Okay. So the first documents, the twenty twenty six zero eight twenty four statement of advice, Brendan Madison, PDF.","start_word":776,"end_word":794,"sentiment":"neutral","sentiment_score":0.1033540666103363},{"text":"Perfect. Beautiful.","start_word":795,"end_word":796,"sentiment":"positive","sentiment_score":0.5035901665687561},{"text":"Okay. So if you open that up, you should be looking at let me just make sure that this is the correct one. Alright. So are you looking at the front page, which is Yes. the, yeah, amazing Gold Coast and all the bits and pieces?","start_word":797,"end_word":842,"sentiment":"neutral","sentiment_score":0.09618385881185532},{"text":"Perfect. Perfect.","start_word":843,"end_word":844,"sentiment":"positive","sentiment_score":0.3658642172813415},{"text":"Alright. So this is essentially called a statement of advice. It is a legally binding document, which just pretty much outlines our recommendations in writing. And the main reason why we do all sorts of personalized financial advice by this matter is to make sure that not only you are protected, but we're protected too. You know, if we say we recommend this, but I see and well, you say I recommended something and and I say I didn't. It's all just hearsay. So the government decided to formalize it and make sure that when we're giving advice on, you know, clients' literal future and their lives, We do it as compliantly and formally as possible. Okay? Yes. So this is this is this document. The it is prepared for yourself as well as Brandon Smith on the August 25. It's prepared by myself, Severiano Zata, and my authorized representative number ASIC in the federal government is 1259315. I am licensed under Oakview Financial as an Australian financial services license. And all of our details, including the AFSL license number under ASIC is right there on the front page. Mhmm.","start_word":845,"end_word":1034,"sentiment":"neutral","sentiment_score":0.1075678103064236},{"text":"Perfect. Beautiful.","start_word":1035,"end_word":1036,"sentiment":"positive","sentiment_score":0.6493025422096252},{"text":"Alright. So this next page, let's just skip through page by page. So the next page just outlines this document. So this document is exactly what I just discussed. But more importantly, best interest duty, it just outlines what our common law judiciary duty is. So that number that I have, the 1259315, when you do all the degrees and the the professional year and you actually get this kind of number given to you or awarded by ASIC and the federal government. We Yep. that's not quite as full on as lawyers where they go to the bar and kind of put their hands up and and put their hand on the bible and things like that. But, yeah, it just gives us the authority to give financial advice. But in doing so, we need to make sure that we look after your best interest and nobody else's best interest, including my own. Because if I look after my best interest to get paid or something along those lines or something someone else, next to neighbor, then I will lose that 125 license number, and I'll never be able to practice again. And I'll lose my company.","start_word":1037,"end_word":1234,"sentiment":"neutral","sentiment_score":-0.03705330938100815},{"text":"And I like you guys so far, but I don't like you that much.","start_word":1235,"end_word":1248,"sentiment":"negative","sentiment_score":-0.47356149554252625},{"text":"So Yeah. I won't be doing anything like that. But it just outlines in writing what the corporations act outlines as best interest standards and what we need to do to satisfy them. Okay? Yeah.","start_word":1249,"end_word":1283,"sentiment":"neutral","sentiment_score":-0.1257723569869995},{"text":"Beautiful.","start_word":1284,"end_word":1284,"sentiment":"positive","sentiment_score":0.3862822353839874},{"text":"Now next next page is just table of contents, pretty self explanatory. The page after that is looking at the scope of advice. Now what we've considered and what we haven't considered in regards to your goals and objectives. Yes. Okay? So and just keep in mind, if you have any questions along the way or would like to discuss anything, just don't hesitate to reach out. That's kind of, you know, what what what what this whole conversation's about. Okay? It's not one of those things where you hold up till the end. If you wanna ask something, just let me know. Okay?","start_word":1285,"end_word":1388,"sentiment":"neutral","sentiment_score":0.10639423131942748},{"text":"Beautiful.","start_word":1389,"end_word":1389,"sentiment":"positive","sentiment_score":0.3853743076324463},{"text":"Is Brendan there as well? Yes. He's just bathing the kids. Do you want me to That that's alright. I'll tell you what. We'll just go through step by step because he is first on the documents. But I can go through your recommendations, and then I can just kind of to walk you through Brendan as well. All the whole document, as you said, you kinda look after this side of the things. So entirely up to you. Yeah. Yeah. You can just walk through it, and then I can explain it. I normally Yeah. explain Beautiful. it afterwards with the kitchen desk. Yeah. Yeah. No. That's alright. Alright. So I'm looking at your scope of advice. What we're considering is superannuation. The reason why we're including superannuation is because you had insurances within that superannuation. Like I said, I've done a recommendation of an alternate super fund for both of you. You actually get Yes. discounts. So it's the same super fund for both because you get a family kind of discounting, made it cheaper than what you currently have within the industry fund and to get better return as well just for your consideration. But we have to address the super because we're addressing the insurances. Okay. They kinda Yes. go hand in hand. Yes. The main reason for that is because of those goals. You want to ensure that your superannuation arrangements are appropriate, especially over the longer term because you're looking at those insurances and the reasons why we scoped it in, which I just explained. But on the next page is your insurance. Our goals so our priority is to make sure that we and our young family are financially protected if either of us dies become seriously ill or injured, becomes permanently disabled, or unable to work for an extended period of time. We would like to understand the appropriate levels of life and total point of stability, income protection, critical illness cover, which is all of them, taking into consideration our mortgage income and ongoing household expenditure for future needs for our children as well. Does that make sense? Yes. Is that kind of we're hitting nail on the head? Is that on the money? Or Yeah. Definitely. yeah.","start_word":1390,"end_word":1766,"sentiment":"neutral","sentiment_score":0.08524602793888325},{"text":"Beautiful.","start_word":1767,"end_word":1767,"sentiment":"positive","sentiment_score":0.5087802410125732},{"text":"What I've also put in there is estate planning. I know that you said we're in our discussions that you wanted to have a look at some sort of, you know, will, power of attorney, stuff like that. So I thought I I might can just put actually something. do that for free with QNMU. I didn't know that. Okay. Well, we would have referred you over to a lawyer with the with the kids.","start_word":1768,"end_word":1842,"sentiment":"neutral","sentiment_score":0.08432502329349517},{"text":"So definitely Yep. so you you've actually saved on doing this through through those guys for free because the people I refer you over to is pretty comprehensive. It's Yep. full on.","start_word":1843,"end_word":1874,"sentiment":"positive","sentiment_score":0.500850260257721},{"text":"Digly binding document can can get Yeah. you know, depending So on the complexity, it can get to $10 sometimes. You know? yeah.","start_word":1875,"end_word":1897,"sentiment":"neutral","sentiment_score":0.07463566958904266},{"text":"So I'm happy to do that with them.","start_word":1898,"end_word":1905,"sentiment":"positive","sentiment_score":0.5808254480361938},{"text":"Is that okay? With with your guys, or did you want me to refer over? I'll go with the free version, to be honest. Yeah. Yeah. That's what I mean. Yeah. Is that okay Oh, yeah. if Absolute. I do that?","start_word":1906,"end_word":1946,"sentiment":"neutral","sentiment_score":0.15668419003486633},{"text":"Absolute absolutely it is.","start_word":1947,"end_word":1950,"sentiment":"positive","sentiment_score":0.4156244695186615},{"text":"Yeah. Yeah. Yeah. So, again, Take this take is all just the wins you get just as a nurse. yeah.","start_word":1951,"end_word":1970,"sentiment":"neutral","sentiment_score":0.29072678089141846},{"text":"Correct. Absolutely. You do that. You use that to your benefit.","start_word":1971,"end_word":1981,"sentiment":"positive","sentiment_score":0.4706936776638031},{"text":"Yeah. So, again, this is just these are just recommendations, and I've given some alternatives for it as well, which I'll go through at the end. But this is the you don't have to go ahead with everything. It's it's sectioned out for one, Brandon's Super, two, Your Super, three, Brandon's insurance recommendations, four, your recommendations, four insurances, and it's kinda staged out. So at the end, you can go ahead with with none of it, only the insurances. All of it's it's entirely up to you.","start_word":1982,"end_word":2068,"sentiment":"neutral","sentiment_score":0.14547084271907806},{"text":"Perfect.","start_word":2069,"end_word":2069,"sentiment":"positive","sentiment_score":0.5154303312301636},{"text":"Okay? So, yes, absolutely. So I guess I scoped in estate planning because it's whether you get it with somebody we refer over to or somebody else, I'm just recommending that you set up a will and power of attorney, not A actually 100%. us doing it. You know what Yep. I mean? So that's that's the scope of advice just to make sure you're completely protected, especially if we're looking at writing insurances. Right? Yep. Scope of advice not considered on page, five. Debt reduction and consolidation. Like you said, you're pretty caught up on the finance owing on the Hilux, Miloxie. You just wanted a bit of advice around reducing the debts and making sure that we can achieve further long, medium, long term goals for your finance, financial needs. I've scoped it out because of the different stages. And, you know, when we last spoke, you said, look. Let's just do the super insurance because it's a complimentary consultation. Yes. And you can get this big scary document, essentially, for we draw this up for free. As you can tell, there are a lot of pages, and we draw the stuff up from scratch. We write all this from scratch because we have to tailor it in your best interest, which is in line with you what you what what our Yes. discussions were. Okay? So it's kinda like a carpenter building a desk. You know, you pay them for the time that they've done to be able to build a desk as well as the desk. Our desk is this document, pretty much. Yes. Yep. So limited advice. This is exactly what I explained before. This is just limiting the advice to what's actually appropriate, which is the super insurance and, again, state planning. But not only that, I'm not a legal practitioner.","start_word":2070,"end_word":2376,"sentiment":"neutral","sentiment_score":0.03595673120565446},{"text":"I couldn't think of anything worse worse than being a legal practitioner.","start_word":2377,"end_word":2388,"sentiment":"negative","sentiment_score":-0.3363505005836487},{"text":"So when it comes to the drafting of wills, power of attorneys, this can be done through a a a person who's legally qualified to do so.","start_word":2389,"end_word":2415,"sentiment":"neutral","sentiment_score":-0.03383321315050125},{"text":"I'm not that person.","start_word":2416,"end_word":2419,"sentiment":"negative","sentiment_score":-0.35028019547462463},{"text":"Well, I'm allowed to recommend to do it. Right? Yes. Not only that, I am even though I am I've got all the qualifications to be an accountant. This the last paragraph there is just showing, look, I'm a I'm a qualified tax relevant provider under an AFSL, but I it means that I've met the education and training requirements set up by legislation to provide personalized advice on tax, but I am not registered under the tax practitioners board. Even though I'm qualified to do it all, I can't do tax returns or batch returns because I couldn't think of anything worse than doing that other than being How a lawyer. boring. Yep. Exactly.","start_word":2420,"end_word":2534,"sentiment":"neutral","sentiment_score":-0.043181482216586235},{"text":"You know, there's there's there's not enough money, and quite frankly, it is mind numbing stuff.","start_word":2535,"end_word":2550,"sentiment":"negative","sentiment_score":-0.4027706980705261},{"text":"So so I'm more the investment side of things and just overall strategy. So, yeah, that that's just how I plan. I can give advice on tax, any tax or business, personal, commercial, what you know, whatever it is, especially more importantly ways to mitigate it. But Yes.","start_word":2551,"end_word":2598,"sentiment":"neutral","sentiment_score":-0.016280647367239},{"text":"I'm not gonna do that tax return for you.","start_word":2599,"end_word":2607,"sentiment":"negative","sentiment_score":-0.4225551187992096},{"text":"Okay? Yeah.","start_word":2608,"end_word":2609,"sentiment":"neutral","sentiment_score":-0.05997660756111145},{"text":"Beautiful.","start_word":2610,"end_word":2610,"sentiment":"positive","sentiment_score":0.38708534836769104},{"text":"That just outlines limit of advice. The the next couple pages are just the about you sections. It's just a skim over registered nurse, Brandon's the Brandon's the excavator operator, Yep. you know, your your details. Next page up to that's your assets and liabilities. I'm and I'm I'm I'm just going through this to get to the most important parts because I'm conscious of time as well. But your PPR, your assets and liabilities, so your primary place of residence as well as your motor vehicle and the loans involved, current superannuations, insurance held in both of them. Page nine. Next page after that is your risk protection portfolio. So, Brendan, see, boss, you know, you're looking at 208,000 worth of life cover as well as a $156,000 worth of TPD, no income protection. Yourself, you've got a fairly good policy because of the health benefits, you know, being being the registered nurse here. You're looking Yes. at being with KeySuper, $733.72. With that, you've got that covers you for that you pay $733.72 per annum Yes. out of your super, but it covers you for life and total permanent disability of $359,323 for each. And Mhmm. you've also got income protection that covers you for $6,396 per month. That's before tax because income protection is essentially you know, it's essentially a income stream. So you gotta pay income tax on it when you receive it, but it's 12.75% contribution benefit. So that goes into your that goes into your super. Okay? The thing you wanna look at is your waiting period and benefit period. Have you ever looked into that? Or You had benefit period. You wanted more than bloody two years. well well, not particularly. It's no. So so when you get a benefit period, I'm more worried about the waiting No? period. So you you only get paid a month after the claim has passed this waiting period. So you gotta wait a hundred and twenty days, which is essentially four months before you actually get paid. So how income protection works is if you go I break my femur, no. I break Yes. a leg, and I'm off work for three months, let's say. And then after three months, usually, it takes about that time to break a serious, like, leg or something like that. Yep. Yep. If you were off work because of injury because of breaking your leg three months and then you go back to work ninety days later, you will not be paid at all Oh, wow. because Yeah. Yeah. you got Okay. yeah. Yeah. Your waiting period is ninety days. Right? Yep. So that's important, especially for yourself, especially considering, you know, your the your your income in comparison. Yes. Okay? So, you know, my question to you is well, I already asked this, but is the thing to think about is insurances are a necessary evil, and the least amount you you can get covered for to suit your needs, the better because you gotta pay premiums for it. Right? Yes. So when you're looking at paying for those premiums, which is that income protection, if you were to claim on it for something as significant as a broken femur, which is about three months, that's the biggest part in your body as you know, Yes. You know, will you be paid for that time? The answer is no. So what are you No. paying for? K. So that's the one I was looking at. But if you're looking at actually going through and you can't work because of injury illness for, let's say, two years, right, Then you'll Yes. be paid on the fourth month. You'll get paid after your nine day waiting period. On the four thirty days after that, you'll get paid for that first month. Right? Because it's Yes. in arrears. But then let's just say you don't go back after two years off because of injury or illness. In your line of work, it's it's kind of on the borderline, but I'll say three to five years is kind of more appropriate. But if you weren't able to go back let's say five years because that's my recommendation.","start_word":2611,"end_word":3314,"sentiment":"neutral","sentiment_score":-0.02869484550319612},{"text":"If you weren't able to go back to work because of injury or illness after five years, then you probably won't go back to work at all.","start_word":3315,"end_word":3341,"sentiment":"negative","sentiment_score":-0.4955935776233673},{"text":"Right? Yes.","start_word":3342,"end_word":3343,"sentiment":"neutral","sentiment_score":-0.1802397668361664},{"text":"It's it's a very likely chance that you would never go back to work because five years is a long time of not being able to return.","start_word":3344,"end_word":3370,"sentiment":"negative","sentiment_score":-0.6098426580429077},{"text":"Yes.","start_word":3371,"end_word":3371,"sentiment":"neutral","sentiment_score":-0.2938268184661865},{"text":"So, therefore, it sounds like you you've got a very likely case of being totally permanently disabled.","start_word":3372,"end_word":3388,"sentiment":"negative","sentiment_score":-0.46075668931007385},{"text":"Correct? I get Yeah. it. Why must Yeah. nobody explained it like that? I don't know. Because they maybe just wanna kinda take your take your Money. money. I'm not so sure. Yeah. Correct. Oh my gosh. So I never even yeah. thought of that. I thought you just needed to be covered for the sixty five years until you get your super. No. So you can actually access Super at age 60. Yeah. So but but you get the concept. So that's that's what that's what that they that's how they kind of work together, and this is what you currently got. But my my the next thing we look at is, well, does it suit your needs?","start_word":3389,"end_word":3507,"sentiment":"neutral","sentiment_score":-0.059823669806248},{"text":"Because being underinsured is just as bad as being overinsured.","start_word":3508,"end_word":3517,"sentiment":"negative","sentiment_score":-0.4688175916671753},{"text":"You're Yes. underinsured.","start_word":3518,"end_word":3520,"sentiment":"neutral","sentiment_score":-0.26967698335647583},{"text":"You're paying all this money for coverage that doesn't really meet your needs. So what's the point in paying for it at all? And just the same on the other side of the scale is if you're over insured, then, you know, you're paying extra premiums for money that you might not claim on.","start_word":3521,"end_word":3574,"sentiment":"negative","sentiment_score":-0.38292619585990906},{"text":"So what's the point? You need Yeah. to kinda bring That's it right. down. Right? So if something like that were to occur and you were to go on a TPD claim, then would $359,323 be enough to cover your needs? And from a needs analysis that I'll walk you through in a second, the answer's no.","start_word":3575,"end_word":3631,"sentiment":"neutral","sentiment_score":-0.0718294307589531},{"text":"Not even close.","start_word":3632,"end_word":3634,"sentiment":"negative","sentiment_score":-0.5312180519104004},{"text":"Right? So so that's the the the next kind of life insurance in the same amount. And if you were to claim on that, I'm pretty sure you wouldn't really care that much because Yeah. you'd be Yeah.","start_word":3635,"end_word":3672,"sentiment":"neutral","sentiment_score":-0.2490580677986145},{"text":"dead.","start_word":3673,"end_word":3673,"sentiment":"negative","sentiment_score":-0.4055960774421692},{"text":"Right? So that's kind of how they work together. So that that's just what you got now. In terms of risk profile, you came out as a high growth investor. You both of you came out as high growth investors. But more importantly, if you go down to page 12, this is a super recommendation. Let's skip past that because I'll come back to that. So if you can just skip down to page let's go to the crux of it. Page 18. This is for Yep. Brandon. Did you want me to go to your comparison or start with Brandon's? I don't mind. Or let's start with yours because yours is a prettier, fluffier number. So if we go down to page, Winnie? as you can tell there there is a lot. No. Page 27. Oh, 27. Sorry. Yes. I'm there. Okay. So like I said, it's it's interesting because I recommended a super fund. It's not in a super fund market. It's a retail fund. It's called hub twenty four. The only reason there there's hundreds of super funds out there. It doesn't really matter what the super fund is. It will really matters is what the investments are that you can get invested into within the fund itself because that's the thing that's making your money grow. Right? Yep. So you what I mean by that is in q super, q super is just super just the trust that's holding the funds and making all the rules. They aren't the thing that actually makes your money grow. What it is is the investment that you are currently invested into, and Yes.","start_word":3674,"end_word":3947,"sentiment":"neutral","sentiment_score":0.0964689624570582},{"text":"that is that my super growth.","start_word":3948,"end_word":3953,"sentiment":"positive","sentiment_score":0.36975547671318054},{"text":"Right? That's that investment option. So you'd see it on your statements. That's yeah. I can actually probably bring it up, to be fair. I've got I have now yours. Now I've got Brandon's open. The exact investment that you have where are you? There you are. Is I believe it's my super growth. Here you go.","start_word":3954,"end_word":4010,"sentiment":"neutral","sentiment_score":0.15835270285606384},{"text":"Now you're a 100% high growth.","start_word":4011,"end_word":4016,"sentiment":"positive","sentiment_score":0.3531138002872467},{"text":"Yes. Yep. So you must see when you've rolled into that managed fund, that high growth fund, what Yes. is actually quite interesting is it's actually not a high growth fund. It's actually a growth fund, which Okay. is about 85% invested into the market. High growth funds are 90 to 95 90 to 98% in this sense of market, but that's a little bit more technicality. If we're looking at this table, this is the current this is the breakdown of the fees, contributions, insurance premiums, as well as total costs, and what the I did I did a five year rolling average. The reason why I did a five year rolling average is because one, it's the lowest figure for us so that I can try and do use a lower amount to try and exceed your kind of the outcome rather than give you a big fluffy number now, probably not quite reach it. And I think five Yes.","start_word":4017,"end_word":4178,"sentiment":"neutral","sentiment_score":0.01872898079454899},{"text":"years is a pretty good time horizon if you're looking at an average every year.","start_word":4179,"end_word":4193,"sentiment":"positive","sentiment_score":0.4043637812137604},{"text":"K? Yeah. So if I were to look at your q super, you got a $108,590 in there. The administration fees per annum is a $188, Mhmm. Yep. right, per annum, But the investment fee for that high growth investment with the amount of funds you have in there is $608 a year. And we call this an ICR, an indirect cost ratio. Whenever you think of acronyms in finance, just think fees. I don't Okay. know if it was some some bankers or something back in the eighties. They must have just said, well, you know, clients are switching on to fees being fees, so let's try and hide them in weird convoluted ways so we can still charge fees and hide them. So when you when you see ICR or MER, which is management expense ratio, those, at the end of the day, are all fees. So for the q super product itself platform to be invested in that super fund, it costs you a $188, but that high growth investment option, there's manage fund managers behind that as well that get that get wanna get paid. Yes. Does that does that make sense? Yes. Yep. So that's $608 a year for your balance. The reason why I'm recommending hub twenty four is because it's essentially is $87 cheaper or oh, 87. That's not $87. It's a lot more than $87. A 100 I don't and know 80 why. Yeah. I don't know. Something. It should be yeah. Yeah. It should be. Something I'm missing like a one that. there. I'm missing a one. Oh, no. Yeah. So we're we're yeah. We've got to type those numbers into the actual document, but all the calculations was put through a calculator. So they definitely so the calculations are correct, but let's just work that out. 608608Minus 411. Yeah. It's actually 197. I'm not too sure why it's retired '87 in there, but it's a 190. It even makes it better, but it's a 100 and was that a 190? Yeah. Those calculations are really strange. So but it's a $197 cheaper in investment fees, which is Yes. crazy for an investment cost. Might be a bit Let hot. me just let me just double I'm gonna I'm gonna double check that and send that out again. But either way, you yeah.","start_word":4194,"end_word":4585,"sentiment":"neutral","sentiment_score":0.006992461735962377},{"text":"It's it's for hub twenty four, it's significantly cheaper.","start_word":4586,"end_word":4594,"sentiment":"positive","sentiment_score":0.3338682949542999},{"text":"Looks like the kind of line just shifted over weirdly enough, but it's With significantly the admin cheaper for fees, why does yep. it say minus four Yikes. 110? Exactly. That's why I'm looking at going, hold on. What's going on? Because so when we do the when we do the calculations, we use a program called xPlan or Iris xPlan, as well as Chartwest to actually dive kind of deep deep dive into the funds themselves. Okay. Perfect. Okay. Were you were you listening? Sorry. So so when we look at in searching these the the figures into these tables, Yep. we use an we use a third party software called Iris xPlan as well as Okay. Chartwest. It's kinda like a Bloomberg. Have you ever heard of Bloomberg? No. Okay. So it's it's just means that we can actually plug in the information and pull the data from a fee perspective as well as returns perspective from a different software so that we can insert it in and then compare the two. Okay? Yes. Okay. So and I've actually bringing it up now.","start_word":4595,"end_word":4779,"sentiment":"neutral","sentiment_score":0.029280254617333412},{"text":"So let's just make sure that that that is correct because I don't I don't like that at all. And that is entirely my fault.","start_word":4780,"end_word":4804,"sentiment":"negative","sentiment_score":-0.3882175385951996},{"text":"I do apologize. It's okay. I've got the figures here, and you know what?","start_word":4805,"end_word":4818,"sentiment":"neutral","sentiment_score":-0.05457659810781479},{"text":"That is my bad.","start_word":4819,"end_word":4822,"sentiment":"negative","sentiment_score":-0.40819135308265686},{"text":"I must have pulled it from the wrong side or something because to give you an idea, the QSuper fees are correct, but that 20 fours I don't know what happened. The 410 so the difference in fees Yes. I know what happened. Let me let me send you through I can send you through an email. But just to give you an idea, the admin fee for Hub twenty four is more expensive. So it's $598 a year because it's a much more comprehensive fund. You can invest all the way down to direct shares and equities, and there's thousands of different investments. You can invest in, yeah, international direct shares as well. So it means you got a larger array of investment options, Yes. but the Yes. investment fee, looking at your platform, is a $197 a year instead of 608. So that means Uh-huh. so the to to answer your question, that negative four ten is the difference in administration fee of q super versus hub 24. So it's $410 more expensive a year for hub 24 in an administration cost, but Yes. the investment portfolio that I've created for you, which is on the next couple of pages, is a $197 a year.","start_word":4823,"end_word":5029,"sentiment":"neutral","sentiment_score":-0.021062885019658268},{"text":"So that's $411 cheaper per year. So you're saving a dollar every Okay. year for for a essentially, a product that is giving you a 11.55% return, being able to invest in way more investments compared to a 8.77% return per annum.","start_word":5030,"end_word":5071,"sentiment":"positive","sentiment_score":0.464764416217804},{"text":"But I'd like to point out what is more important, especially in your case, is, again, those figures because the table shifted over. Your insurance premiums that I'm recommending between seven because you're currently paying essentially $734 a year or $733.72 a year for your Yes. insurances out of your super. The recommendation for your insurance premiums, if we go down a little bit and if you skip to page I'll go to your insurance, and I'll show you how we calculated it as well. It's it's pretty up there for both of you. So if you wanna skip to page 43, 43. your yeah. Your insurances the the cheapest product I could find was with a product called ClearView. Have you ever heard of ClearView? No. Okay. So there's there's different insurers out there. We only in we only recommend investment grade products for investments, which is a if you wanna get technical, triple a, and or a and above. But when it comes to insurance companies, we only have a select a selected number of insurers on our approved product list called ABL. And the reason for that is because if we're recommending insurance cover for for clients, we wanna make sure that it's with the company that's got enough money to pay you and not going bust anytime soon. Right? Yeah. Which is very important. So on our approved product list, we've got, you know, big big insurance companies such as TAL, Clearview, OnePath, which is Zurich. Have you ever seen Zurich, the big blue Zurich in capital n letters? Or you probably would have been in the health industry now. Have you ever met life? Anyone any of those guys or No. No. been in the occupation you're in? No. That's okay. So ClearView is it's probably the biggest insurance company in Australia. They're the one that's closest, t a l, tal, t a l, the capital three green letters. The this Australian Life stands for. But, yeah, they they're massive, massive companies, and Clearview actually ended up not being the most comprehensive in terms of racing, but the cheapest for you. Now it is a Okay. lot when I say when I say cheap, it's a lot more expensive than what you're paying now, and the reason for that is because we're recommending a lot more cover. Okay? We're recommending $1,500,000 worth of life cover Yeah. and Yeah. the same for TPD that's linked. But if you look at your income protection, it's $6,417 per month, and I'm gonna cover you all the way up to age 65. Yes. Yes. So if you were to claim on this and you weren't able to return back to work for any any reason because of injury and illness, then this will carry on paying you all the way up to age 65. But more importantly, the waiting period is thirty days. Yes. So same scenario, broken leg, you off work for three months, two months, other three months, you'll get paid 70% of your income, which is that $6,417 a month. Yeah. Okay? Passage. Okay. Now the next question is you're looking at a big number, 1,500,000, because the overall premium that will be charged out of your super fund is $3,710.71 per annum. Yes. K?","start_word":5072,"end_word":5620,"sentiment":"neutral","sentiment_score":-0.02111222256375358},{"text":"And every year that you get older, that increases because you get riskier to an insurance company. So it does get more expensive.","start_word":5621,"end_word":5643,"sentiment":"negative","sentiment_score":-0.3541721701622009},{"text":"For that reason, I've also done a a recommendation of trauma, which Yep. you pay out of pocket. This covers child trauma. So that's just I did a one year's worth of income to a 110,000. And it's linked life because it actually, funnily enough, makes it cheaper to get an extra $110,000 worth of life cover in your personal name and link on trauma as a link benefit. It made Mhmm. it made it $22 a month, something to consider. But what I really wanted to kinda show you is if you go down on this recommendation on page 47, I wanna show you how we calculated those numbers. Yes. Okay. So have you can you see that needs analysis table? Yes. Cool. So, again, shout out if you have any questions. But looking at this table you're looking at, let's go with life cover. So life, if you were to pass away, I'd assume you want the mortgage paid off and debts. Oh, yes. Right? Yep. Perfect. So that's at 547,000. After that, there's funeral expenditure, which is $20,000. Yeah. We put in there for funeral expenditure. Obviously, it's not included in TPD because if you were totally permanently disabled, you're not dead, and you won't need a funeral. Yeah. Okay? So that's that's the reason why it's not in there. But then there's a cost of living replacement of income. So we do this by either five years, seven and a half years, or ten years depending on how many dependents you have. And Yeah. you've got the maximum dependents and for their age, your age and stage, we do it by ten years of replacement of income. And the reason for that is because there's about five three to five years worth of what we call grief payment. So, essentially, if you're not there physically, then at least you're there financially, whether you be TPD'd or you pass away for Brendan for Yes. ten years. So it gives him the opportunity to, you know, take a morning period of whatever however long that takes to, you know, take some time of working, not have to worry about the bills, have no mortgage, and still not and still look after the family and the kids, right, if you weren't Yep. there. Does that make sense? Or Yeah.","start_word":5644,"end_word":6033,"sentiment":"neutral","sentiment_score":0.05362485853525308},{"text":"That makes some complete sense. Yep. yeah.","start_word":6034,"end_word":6040,"sentiment":"positive","sentiment_score":0.3896742761135102},{"text":"And then even if it's five years with morning period, the extra five years, there's an opportunity to still look after the kids, do everything that, you know, he he needs to do. But if he doesn't wanna continue in the line of work or career he's in, then he can go to university or, you know, start an operation, and buy his own excavator and write his own start his own business or whatever it might be. It gives him options. So, again, Yep. if you're not there physically, you can be there financially still as if nothing were changed. Does that make sense? For the ten years. For ten years. Correct. Yeah. Okay? And, again, we do it for ten years. I can do a calculation all the way up to the age of 60 when he reaches a time to actually access super. But that I think means that that sounds your about right. yeah. But that that means that your lump sum benefit, the insurance short amount that you need is gonna be upwards of $5,000,000, and the premium on that's, like, $10,000 a year, if if not more. So, again, it's about balancing this what you're paying versus what you can get. Because if you don't claim and none of this happens, then you've just paid $10,000 plus a year for something you don't or nothing. Yes. That's right. Yep. Okay? So it's really important to try and balance the it's a very much balancing act to make sure that you cover enough. Right? Then what we do is we actually we wanna try and get the cover amount of sum insured as low as possible. So what we do is we take off your superannuation, which is a $108,590 at the moment. Because if you were to pass away or get TPD, your super is gonna get paid out to your beneficiary or yourself if you TPD. Right? So if you've already got a $108,000 in there, then why do you need to pay premiums on it? Because you can reduce that from the amount that you need to be insured by. Right? Because that's an asset. Yes. Yes. Does that make sense? Yes.","start_word":6041,"end_word":6410,"sentiment":"neutral","sentiment_score":0.025901133124087303},{"text":"Yeah. Beautiful.","start_word":6411,"end_word":6412,"sentiment":"positive","sentiment_score":0.4723636507987976},{"text":"So that means that your life insurance, the amount you need right now, so you're essentially, what your life's worth is more but as it sounds, is $1,558,410. That is what your life is worth. Okay?","start_word":6413,"end_word":6448,"sentiment":"neutral","sentiment_score":0.26362690329551697},{"text":"So your TPD is Perfect.","start_word":6449,"end_word":6453,"sentiment":"positive","sentiment_score":0.3433915972709656},{"text":"obviously the same number minus $20,000 because you that's the funeral expenditure. Sure. Income protection is 70% at most in Australia for of your income, which is at $6,417 a month. And then you look at trauma. Trauma cover, I just I just did one year worth of cost of replacement of living. This, you've got to pay out of your back pocket, which is, again, you know, we'll skip back up again. But that covers things like the three the three big ones. The big three are cancer, cardiovascular disease, or heart attacks is a big one, as well as strokes or TIA's, things like that. Yes. So that's usually, I like to go with just everything paid out of the as superannuation so it doesn't affect your cash flow, especially for Yep. a young, struggling family. But it's definitely something that you should consider because it's one of the highest claimed upon after income protection. Because we're in Australia. You know? Accounts is a big thing. Yep. Specialty and finals Queensland.","start_word":6454,"end_word":6626,"sentiment":"neutral","sentiment_score":0.07675062119960785},{"text":"Exactly. So it's definitely something that you wanna consider.","start_word":6627,"end_word":6635,"sentiment":"positive","sentiment_score":0.4689946472644806},{"text":"I want I did that recommendation in there so that you can at least, you know, get an idea of what it looks like and what the cost would be. Okay? Yep. So does that make sense about how we calculate these numbers? We don't just pull them out of the mail. We actually work out what you need. Yep.","start_word":6636,"end_word":6695,"sentiment":"neutral","sentiment_score":0.1513587236404419},{"text":"Beautiful.","start_word":6696,"end_word":6696,"sentiment":"positive","sentiment_score":0.6337724328041077},{"text":"Any questions? Yes. So if we were to buy more property, would we revise Great question. Yes. We this? revise this every twelve months because Yeah. every twelve months, you your super's grown. Your asset your asset worth net pool has kinda grown in value, and you paid your mortgages down. Right? So Yes.","start_word":6697,"end_word":6750,"sentiment":"neutral","sentiment_score":0.17678302526474},{"text":"the whole point is to be self insured.","start_word":6751,"end_word":6758,"sentiment":"positive","sentiment_score":0.34739676117897034},{"text":"Because if you had $1,500,000 in cash with your current situation, then you wouldn't need to pay some other bloke a premium every year, 3,000, $4,000 a year to cover your needs because you'd be able to cover them yourself.","start_word":6759,"end_word":6798,"sentiment":"neutral","sentiment_score":0.22482948005199432},{"text":"That's the ultimate outcome.","start_word":6799,"end_word":6802,"sentiment":"positive","sentiment_score":0.3700116276741028},{"text":"That's what we wanna get to. But because Perfect. you can't cover it yourself, we cover this. But to answer your question, I don't No. add on any investment properties or any investment debt. And the reason for that is because this is worst case scenario. Yeah. And we can sell them off. Exactly. If So we're if you we're if you're yeah. if you're in Again, a position that makes to have yeah. If you're in a position that's exactly right. If you're in a position to have a benefit of having an investment property as well as your own, then if the worst were to happen, you can just sell the the your partner, you know, widower, if you would, could just sell the investment property and be left with some equity. Yes. Or if you're in a fortunate enough position, have multiple investment properties that are actually bringing you positive gearing, and then you, you know, you essentially have after all the rents, rates, fees, all the the deductions and everything, every year, you can have an investment portfolio of properties that brings in income of $6,417 a month. Because then you don't need to pay for an income protection because you can cover it yourself.","start_word":6803,"end_word":7011,"sentiment":"neutral","sentiment_score":0.0719421302730387},{"text":"That's the plan. That's the plan. That's the goal. That's the overall goal. That's that's that's what we wanna get to.","start_word":7012,"end_word":7032,"sentiment":"positive","sentiment_score":0.5207637548446655},{"text":"Right? So, no, we don't increase it. We do review your insurances comprehensively every twelve months because I'm not a fan of insurance.","start_word":7033,"end_word":7055,"sentiment":"neutral","sentiment_score":-0.2465049773454666},{"text":"It's a necessary evil.","start_word":7056,"end_word":7059,"sentiment":"negative","sentiment_score":-0.5734941959381104},{"text":"That's why I wanted to give you a recommendation on your superannuation as well. Because if we're increasing the amount of cover you need and therefore the the price you're paying for it, then we wanna make sure that's not easy to wait your superannuation so that you don't end up if you don't, the worst thing that can happen essentially is you pay all these premiums for this cover, but you don't get enough return or contributions to get to the end of, you know, your working life, let's say, age 60 to retire because you can access super then, and you're left with no super, and you haven't made an insurance claim because you've spent it all in premiums, and nothing's happened to you.","start_word":7060,"end_word":7185,"sentiment":"neutral","sentiment_score":-0.2350115031003952},{"text":"Because then you're left with nothing and no refund policy.","start_word":7186,"end_word":7195,"sentiment":"negative","sentiment_score":-0.5239090919494629},{"text":"Mhmm. Yes. Yeah. That makes sense. You know what I mean? So it's really important to balance that out. And like I like I said before, we review this really, really thoroughly every 12 months. Yes. And if you just just so you're aware, if you go down a little bit from the the next so we outline why this is in your best interest and what needs analysis looks like for yourself on page 47. 48, count it continues and why we're looking at what we're looking at. If we go on to your outcomes, the every strategy's got the what we're doing, why it's in your best interest, how we've calculated it, the outcomes, which includes advantages and disadvantages, as you Yes. can see on page 49. And there there's a lot of them.","start_word":7196,"end_word":7331,"sentiment":"neutral","sentiment_score":0.1774941086769104},{"text":"And the risks included in all of this example, maybe you don't claim, and then you don't get a refund of all the insurance premiums.","start_word":7332,"end_word":7356,"sentiment":"negative","sentiment_score":-0.519659161567688},{"text":"You know? There's we take all that into consideration. And then if you go all the way down to page, you know, page 53, those are some alternatives we considered as well. So every strategy including super and Brandon's insurance recommendations has all of these. So I'll let you read in your own time, but this is just from a compliance point of view. We have to put these in in writing so that you can understand why we recommended what we recommended. Okay? Yes. Nothing. K. So that's your insurance recommendations to cover your needs. Now if we go back up to page page 44 oh, sorry. 43, we can look at what we're recommending and why we recommend now it gives you an understanding of why we need to recommend that amount of cover for what we're recommending. Yes. Does that all kind of and you see how it all works together? Yes. Yes. So this is where I wanted to bring up the benefit period of your income protection and your total permanent disability. So remember you said you no one explained how it works? We are recommending I can drop it down to about five year benefit, but I'm recommending age 65 because if you weren't able to work because of injury or illness for more than, say, five years, then you're probably never gonna go back to work again. Correct? Correct. So at five years, we can well, even less than that. If it's if it's a severe case, then what we'll do is we'll not only do an income protection claim, we can also do an a TPD claim. And what will happen is we would get paid you would get a continuous income all the way up to age 65 of 70% of your income, which is $6,417 every month all the way up. But not only that, you'd also get $1,500,000 paid out in in a total permanent disability claim, which means the mortgage is gone, and you still Yes. have about, you know, somewhere around a million dollars left to go to funder to be able to facilitate the premium period if, you know, Rennon didn't wanna work or you wanted to build up some investments so that you can be in a position to continue on a your your lifestyle, especially if you if you can't go back to work or injury illness or you, you know, paralyzed, something along those lines. Usually, when we do insurance policy claims, it's pretty severe, especially in the TPD realm. I can tell you some horror stories, but I don't think we have time because you you've got kids too. Yep. Yep. The the the next page, just to just to touch on the Clearview trauma policy, see it's life cover with trauma and linked. So it's a life policy for a 110,000, one year worth of income, gross, but I've linked on trauma. And the series is a standalone versus linked. Can you see that on page 44? Yes. Yep. So that means that your trauma policy is linked to your life cover. And, essentially, what that means is the reason why we do that is because it makes it cheaper. Yeah. That's that's Some very cheap. That's, like, yes. four Right. coffees. Yeah. Correct. Exactly. A month. Yeah. $22.04. But you the thing is you gotta pay for it out of your back pocket because of the ownership of the cover. You Yeah. know? The the the the technically, the life and total permanent disability and income protection, if we cover it and get it pay and we get it paid by super, technically, the policy owner is the super fund trustee. You're the Yes. life insured. Yeah. So if you have a heart attack and you get a lump sum payout because it's post tax, you gotta own it yourself. So that's the only reason why it's paid out of super. Okay? Yeah.","start_word":7357,"end_word":8019,"sentiment":"neutral","sentiment_score":0.03902218235181827},{"text":"And Perfect.","start_word":8020,"end_word":8021,"sentiment":"positive","sentiment_score":0.5744929313659668},{"text":"more what's what's what's interesting as well is we actually got your cover even though you need to be covered for a little bit more than 1.5 mil, we dropped down to 1.5 mil because you get a discount. So at 500,000, 750,000, 1,000,000, and 1,500,000 Action. and 2,000,000, you get a discount on the premium. So what I mean by that is yes. We but if what I mean by that is, let's just say you need cover for 1,390,000. Right? More Yes. often than not, if you look at doing the exact same quote and you bump that life and TPD cover up to 1,500,000, you It's actually the same. have a cheaper no. Yeah.","start_word":8022,"end_word":8138,"sentiment":"neutral","sentiment_score":0.1839456707239151},{"text":"Well, you get a cheaper premium sometimes.","start_word":8139,"end_word":8145,"sentiment":"positive","sentiment_score":0.4323432147502899},{"text":"Yeah.","start_word":8146,"end_word":8146,"sentiment":"neutral","sentiment_score":0.2995765209197998},{"text":"Oh, wow. That's crazy. Yeah. So you get it's just like a incentive to kind of get more cover and just part to be competitive.","start_word":8147,"end_word":8171,"sentiment":"positive","sentiment_score":0.4997113049030304},{"text":"Somebody somewhere along the way, an insurance company did it. But ever all insurance companies do it now.","start_word":8172,"end_word":8189,"sentiment":"neutral","sentiment_score":0.12096208333969116},{"text":"You find the most benefit close to a million.","start_word":8190,"end_word":8198,"sentiment":"positive","sentiment_score":0.35223785042762756},{"text":"So if you need to be covered for 922,000, I think it is, is round about the average point. It's actually the same amount of premium that you gotta pay every year for a million dollars worth of cover. So you must okay. Couple for the extra $80. Alright? Yeah. Yeah. Yeah. So that's just a little bit of insight. But, again, it is expensive. It's gonna be $3,710.71 per annum. And, Yep. again, we try and and it increases it over time. Yep. Every year as the policy comes to renewal because you get a year old and it gets you get more risky. So what we Yep. do is we try and reduce the sum insured to in line with your needs to reduce that premium down to keep it around about the same every year. Okay. K. Do you have any questions, concerns, or anything before I move back to Brendan's? Or Just about the benefit period with mine. yep. Yep. I thought that you said it would be good to do it only for the five years because if it if it went over the five years, it would be TPD.","start_word":8199,"end_word":8393,"sentiment":"neutral","sentiment_score":0.01867457493208349},{"text":"Absolutely. So I'm glad you brought that up because I can definitely do quotes for two years, five years, age two age 60, and two age 65. So this is this is where it goes. This is where it comes back to what it means in your superannuation because your super is paying for it.","start_word":8394,"end_word":8448,"sentiment":"positive","sentiment_score":0.595474898815155},{"text":"Yes. K? So what it looks like is to get the full beans, the full comprehensive cover, all the way up to age 65 with no mortgage and extra cover for the TPD if that were to occur, then, yeah, absolutely, it can be five years.","start_word":8449,"end_word":8494,"sentiment":"neutral","sentiment_score":0.29634255170822144},{"text":"But if you get a TPD payout and pay your mortgage off, it would be beneficial to have, you know, ongoing monthly revenue or income all the way up to 65 when the reason why we put it to 65 is what we call the full beans is because that's when you start accessing your government pension. So you essentially have income every month coming in and then to a point where you can get fortnightly Social Security benefits as well. So that's that's what the cover is for.","start_word":8495,"end_word":8583,"sentiment":"positive","sentiment_score":0.3760550022125244},{"text":"The reason why I wanted to give you the total amount all the way up to age 65 is because of your, again, superannuation. So if you wanna go to page page 27 for me. Let's go back to that fee comparison table. I wanna show you the benefits of having all the cover. But to drop it to five years, that's gonna reduce the premium down to the $2.5 kind of region. So I'll In make it cheaper. sorry. What page? Oh, sorry. Page 27. Yep. Page 27 and Mhmm. So this is the fee comparison between your q super and hub 24. We went through that Yeah. before, Yeah. obviously. But what I'm trying to do is if you go to the next page. This is what the I did a five year benefit. Oh, sorry. Oh, A five I year see. outcome. Okay. So Yeah. five year outcome, and then I did to age 60, when you can access super, and you indicated by that age you wanted to retire on that, I believe, a thousand dollars a month. Oh, sorry. A thousand dollars a week with no debt. Do you remember that conversation? No.","start_word":8584,"end_word":8781,"sentiment":"neutral","sentiment_score":0.08439482639383789},{"text":"Sorry. I'm I'm a bit confused.","start_word":8782,"end_word":8787,"sentiment":"negative","sentiment_score":-0.4417920708656311},{"text":"No. That's okay. So when we when we had our initial consultation, you Yep. one of the one of the questions that I I asked was when you get to retirement and you both decide to hang up your boots, what does that look like? What when do you wanna retire? And on how much per week if you had no mortgage, no debts, what what would that look like? And we kinda came to the number of $1,000 a week or $52,000 a year. So a thousand dollars a week to be able to it's about three overseas holidays a year. The kids have moved out. That's what we kind of determined would be a suitable income per week to be able to live on. Right? Do you remember that? Or Sort of. But a thousand Sort dollars of. a Okay. week, is Just this for yourself and Brandon? just for Just me? well, I did it for both of you, but you both combined with these projections, you actually exceeded you get you get a thousand for each of you.","start_word":8788,"end_word":8969,"sentiment":"neutral","sentiment_score":0.08852481096982956},{"text":"But, yeah, I did I wanted to work towards the number of a thousand dollars per week and have a certain balance to be able to achieve that on a certain return.","start_word":8970,"end_word":9001,"sentiment":"positive","sentiment_score":0.3715290427207947},{"text":"Because if you add a 1,000,000 to so the numbers I was working with was with everything included, can we guess your superannuations to a position where you can essentially with cover of insurance the whole way through to cover your needs and hopefully, eventually, bring it reduce it down to nothing.","start_word":9002,"end_word":9053,"sentiment":"neutral","sentiment_score":0.1842719465494156},{"text":"But to cover your needs where we can have a balance of $4,000 a week to live on to be fully financially free.","start_word":9054,"end_word":9076,"sentiment":"positive","sentiment_score":0.34123727679252625},{"text":"If you have a thousand dollars a week, there's fifty two weeks in a year. That's $52,000 in a year. So the number if you were to get a 5% return on a balance of $1,040,000, that would be $52,000 in a year. Right?","start_word":9077,"end_word":9120,"sentiment":"neutral","sentiment_score":0.20643203908746893},{"text":"And I use 5% because that's a little bit over cash after inflation and fees and whatever. Very achievable. Right?","start_word":9121,"end_word":9140,"sentiment":"positive","sentiment_score":0.40676549077034},{"text":"So if you had $1,040,000 in your super balance, by the time we get there, and hopefully by then, no debts, So you cancel your insurances. You don't need them anymore. But if you had $1,040,000 and it grew by 5% in one year, net of fees, net of everything, then you would have 50 you would have 52 it'll grow by $52,000.","start_word":9141,"end_word":9203,"sentiment":"neutral","sentiment_score":0.1843317747116089},{"text":"You pull that out, withdraw it from super tax free to be able to live on, you'd be you'd be left after a year with the same balance that you started with. So, essentially, you're living on interest. That is that is full financial freedom. That's the number I was working with.","start_word":9204,"end_word":9255,"sentiment":"positive","sentiment_score":0.44333919882774353},{"text":"With. Oh my god.","start_word":9256,"end_word":9259,"sentiment":"neutral","sentiment_score":-0.19369147717952728},{"text":"That's that's just mind blowing me. I'm just very confused at what what we're Okay.","start_word":9260,"end_word":9274,"sentiment":"negative","sentiment_score":-0.4545314610004425},{"text":"talking Okay. about. Sorry. Alright. Sorry. We're talking so we were talking about insurances, but Yes. now I'm talking about the financial planning perspective of Okay. trying to get you to what you need to retire on with including these increase of insurances. Yes. Because the insurances that we're increasing and buy to to suit your needs is very expensive. It's it's comprehensive cover, and because it's covering you for significantly more, you pay more premiums. Yeah. Yeah. So if so if you're covered for that extra cover and therefore higher premiums per annum, then are we going to be in a position where you'd still be able to retire on what you would like to retire on? Yep. Yes. Does that make sense? Or Yes. So, like, if we're paying the insurances, we Mhmm. wanna make Yep. sure we'll still have enough money in super as Exactly. well. Yeah. Exactly. And And and then so you you're saying we could retire well early and just leave off out? well, no. Because Yep. if you see the second line, it says lump sum by age 60. So thirty two years. You see that Yeah. Yeah. number? So that is the number I'm looking at because you can't this has only got to do with superannuation and insurances that'll be paid from superannuation. So when I'm looking at covering you for insurances, but getting your super to pay for it, I wanna know the effects of what your suit that looks like for your superannuation. So if you got if you left everything as is with q super, but have cover that you're paying since you're on page 27, you're paying $734 a year for that current insurance. That's your current situation. Right? Can you see that? Yep. Alright. Sorry. I just got it just went out of it. So I'm on page 27 and I'm paying, yes, 730 That's 4. $34. Correct. Okay? Yeah. And that's that's the fees that you're paying for the super fund itself, and that's the growth that you've achieved in that high growth investments over the last five years. So from from the July 31, go back five years, and you look at the overall return and then you average it up per annum, you've essentially got a return of 8.77% every year per annum. Yes. So if we look at that outcome with the cover that you're under insured by, as we did worked out by your needs analysis, if you carried on ticking along, if something were to happen, then you wouldn't you're not insured for enough to actually cover your needs. So that's the Okay. first thing we identified. Next, we go, alright. Well, if you were to continue, just leave everything as is. And after I did a five year comparison because well, five year projection because I'm doing a five year rolling average, so five years back, what does it look like in another five years based on those numbers? And what the effects of higher insurance premiums would look like based on our recommendation. But Yes. then not only that, you can only access super by age 60. You can't you can't access it sooner. Right? No. That's So by age 60, what does it right. look Yeah. like if you were to leave everything as is? So when you get there with your current insurance, you would end up with $1,516,113 based on Yes. those numbers, net of fees. That's the that was that's what your super balance would be. Right? And that that's more, essentially, than the 1,040,000 that we wanted to try and get to. So does that kind of does that give you an idea of what I was trying to explain before, or does that make sense? Yeah. That makes more sense. Sorry. No. That's okay. That's alright. That's that's that's the point of this conversation. So, essentially, if we use the same logic on, let's say, a 5% return net because we wanna reduce risk as much as possible when you get to retirement. Because if our GFC two point o hits, then I don't want you to be invested in any shares. I only want you to be invested in bonds, Yes. you know, really safe, safer assets. So if you're looking at the same logic, a 5% return on $1,516,113 times that five a 5% return, that's essentially $75,805.65 in a year. So you can have an income of $75,800 per annum, like, as if you were working, but you're retired. And you can you can have that you can pull that out of super tax free and after every year on a 5% return and still be left with the exact same 1,516,113. Wow. Yeah. Okay. Yeah. Does that make sense? So you're living on interest. That that's free money. Will that be enough, though, in that sixty five years, like, because there's, like, inflation? Would 70 I'm five glad.","start_word":9275,"end_word":10104,"sentiment":"neutral","sentiment_score":0.02588711566549827},{"text":"That is that is a great question.","start_word":10105,"end_word":10111,"sentiment":"positive","sentiment_score":0.4161223769187927},{"text":"I can't you nailed that one. And the answer is, yes. No. We do take inflate no. The answer is yes. So we do take Okay. inflation to account in the calculations. We're projecting this forward. We take 3% inflation into accounts. It's not quite at 3% at the moment. It's a little bit higher than that. But the RBA's inflates, like, cash rated one they wanted inflation and cash rate to be somewhere around the two to 3%. So most calculation like, in MoneySmart budget calculator, they'd use inflation of two and a half percent every year. We use 3% just to be safe. So Yeah. if that's $11,000,001,500,000 or $1,516,113 by the age of 60 is in tomorrow's dollars. Does that make sense? So that's gonna be the value of that much as if it was today's dollars but in the future. So we take inflation Oh, I into understand. account. Yeah. Yeah. Yeah. Yeah. Yeah. It's in tomorrow's dollars because tomorrow's Yep. dollar is not the same dollar as today. So we So we this is we in factor today's that dollars. in exact that's in tomorrow's dollars. Yep. So by the time you get to in a way, in today's dollars, correct. So by the time you get to age 60 in a thirty two years' time, you the same 1,500,000 that would be worth today is gonna be the same then as well because we take inflation into account. Okay. Correct. Does that does that kinda make sense? Yeah. Yes. Sort of. Sort of. Yes. So if you however much 1,500,000 can buy today, it's gonna be in tomorrow's dollars. It's gonna be the it's whatever you can buy for 1,500,000 in in thirty two years' time, but in those dollars. So we've taken inflation into account by three percent. So if inflation increases by 3% on average every year for thirty two years, that's that's that's factored into, yeah, today's dollars. Okay. Okay. I don't think I So I don't think I explained that correctly. Yeah. Do do what what did you take from that? How do how how do you see that as? So no no matter how much inflation is, I'll I'll still only have 1,000,500? So no. So it's taken 3%. So whatever the calculation is, every year, we've taken off 3% because of inflation. So it's Oh, in okay. Yep. yeah. So it's it's it's in future dollars. So by the time you get to age 32 oh, sorry. Age 60 in thirty two years, that value then is gonna be worth 3% rolling compounding average of 1,500,000 as today's dollars. So it's gonna be worth 1,500,000 in today's dollars. Yeah. Okay. Yeah. Does Yep. that make more Yeah. does that make more sense? Or beautiful. But then the question is, well, are you insured for enough for that $734 per annum premium? And the answer's no. So we went through the calculation recommending cover that's gonna cost again, I apologize. It's the difference is $2,977. So that pub 24 column is actually what the difference in fees are. For some reason, the the table shifted left, but Yeah. I can send you an email with the actual comparison that I'm looking at. The insurance premiums is $3,711 per annum, which is the recommendation that we just went through, the 1,500,000 of life and TPD. Do you remember that? Yes. Yep. So for all that cover, comes to $3,711 per annum, approximately, to be exact, $3,710.71, which is about 31% of your super contributions just from working every year. So you still keep 70 or 69% in your super fund growing for retirement. K? So Where that's important where are to note. we looking? Yeah. So that's that's got so that kinda gives you an idea.","start_word":10112,"end_word":10747,"sentiment":"neutral","sentiment_score":0.0832014963639982},{"text":"We like this this is just just the same page. I'm just giving you an idea of what the outcome and what the effects would be based on an increase of insurance premiums as well as our fees.","start_word":10748,"end_word":10785,"sentiment":"positive","sentiment_score":0.34224072098731995},{"text":"And you'll see over Yes.","start_word":10786,"end_word":10790,"sentiment":"neutral","sentiment_score":0.25375866889953613},{"text":"five years, you're gonna be $12 lower than what you would have been with q super.","start_word":10791,"end_word":10806,"sentiment":"positive","sentiment_score":0.4028288424015045},{"text":"And the reason for that is because of the upfront fee of the balance. You see how it dropped by $3,300? Yes. So if we manage your superannuation and the charge of the statement of advice, it's for it's $4,950 per person. But for a couple, it's 3,300 each. So we reduce that fee down between you, if that makes Yes. sense. Because Yes. that so that's what that fee is. So with that fee as well as that ongoing advisory, the percentage base, the more money you make, the more money we make. If you lose Yes.","start_word":10807,"end_word":10904,"sentiment":"neutral","sentiment_score":0.16323084916387284},{"text":"money, we don't make as much money.","start_word":10905,"end_word":10911,"sentiment":"negative","sentiment_score":-0.3545891344547272},{"text":"So that's the reason why over the shorter term, it's it's it takes a while for that compounding return to really kick in. So it does take a while to kinda catch up, especially with the increase of insurance premiums. But the larger the snowball, the more snow it picks up. Yes. So when you're looking at a bus eight years in, that's when it starts really, you know, gaining momentum. And when you're looking at, you know, in fifteen years, you or twenty years' time when the balance is bigger, then you're gonna see or you're gonna see significant compounding return. You get higher returns. That's why it increases over the longer term. So I just wanted to even if we look at super or our super recommendations or not and just go with the insurances, I just wanted to give you an outcome and give you an idea of what our full recommendation would be and why. Because overall, you'll be in the $210,188 better position by a 60 with the Superfund, Yes. our investments returns, net of all of our fees. But Yeah. more I see. importantly you know what I mean? So that's it.","start_word":10912,"end_word":11109,"sentiment":"neutral","sentiment_score":0.07956048846244812},{"text":"That's a mis outcome.","start_word":11110,"end_word":11113,"sentiment":"negative","sentiment_score":-0.4235672950744629},{"text":"But what I've done as well is I've also done a comparison of if we only had the insurance premiums in your existing super fund. I've done that in the appendix as well. So let me know if you wanted to have a look at that, and I can walk you through that too.","start_word":11114,"end_word":11167,"sentiment":"neutral","sentiment_score":0.13809864223003387},{"text":"So, actually, now's a pretty good time.","start_word":11168,"end_word":11174,"sentiment":"positive","sentiment_score":0.3687704801559448},{"text":"So if you go back to the email Yes. and you open up the second document, Yes. that is the appendix to the statement Last of advice. two. Yep.","start_word":11175,"end_word":11203,"sentiment":"neutral","sentiment_score":0.055404920130968094},{"text":"For some reason, my PDF didn't like me. It says some error. Bookmark not to find in some of them.","start_word":11204,"end_word":11223,"sentiment":"negative","sentiment_score":-0.4170909523963928},{"text":"But if you if you go down to the oh, it says another page numbers. That's right. It's appendix. So after the you go down to the third page. It says risk profile. Yep. Can you can you see that? Risk profile. Yep. This gives you an idea of what defensive assets versus growth assets risk should look like. So between your investment portfolios with PinSoup because your sup is invested. That's what that Yep. high growth investment option is. You go on next page, important relationship information, it continues on the page after that. Investment BDSs, this is the portfolio I'm actually recommending for yourself within that Yes. hub twenty four fund. But if you go after that, you'll see investment returns like for like Brandon and investment return like for like Madison. Let's go to yours because we're talking about yours at the moment. Yes. Yes. And you will see that in the same kind of column, current versus recommended. If you look at current, you'll notice the insurance premium is $3,711. Current. 3,000. Yep. Yep. And that is so this is what would the outcome be if we kept your q super, but only wrote the insurances and got q super to pay for it? What does that look like? Does that make sense? Yep. Yep. So if we were to cancel the insurances you currently got with q super because we got these new introduced more expensive, more comprehensive, lot higher cover, then what would Okay. the outcome be? So after five years, you'd have a 186,000. After ten years, you'd have 290,000. And by age 60, in thirty two years, you'd have 1,268,000. Yeah. Okay? And then I did did a comparison versus, obviously, the same outcome, the same hub twenty four outcome as before. Yes. So if you look for the comparison between two tables, after five years, it's the same $190,827. But because the insurance premiums on a like for like comparison are higher if we just do insurances, it's actually with the same insurance, but within the hub twenty four. You'll save a dollar in fees in terms of administration investment cost, but you will also there'll be $4,000 paid off.","start_word":11224,"end_word":11592,"sentiment":"neutral","sentiment_score":0.08152061486793405},{"text":"Woo hoo.","start_word":11593,"end_word":11594,"sentiment":"positive","sentiment_score":0.4146400988101959},{"text":"After five years, you'd make the upfront feedback. Yes. But, Perfect. obviously, because you got significantly more insurance premiums to pay. Does I I know there's a lot of numbers, and I know it's kinda hard to follow sometimes, but does that kinda Yeah. make sense? Yeah. No. Or That makes yeah. That makes sense. yeah. So not only do we need it from a from a compliance and best interest duty point of view, look at insurances, which is what you're after, because it's gonna be paid through super, I need to kind of assess your super situation as well, if that makes Yes. sense, and see if we can see if we can somehow counteract the increase of insurance premiums being paid to be able to still get you a beneficial outcome. That's why we included that recommendation in the actual statement of why Yeah. isn't it? Yes. Does that make sense? Yes.","start_word":11595,"end_word":11749,"sentiment":"neutral","sentiment_score":0.122731551527977},{"text":"Beautiful.","start_word":11750,"end_word":11750,"sentiment":"positive","sentiment_score":0.405207097530365},{"text":"Do you have any questions? Brandon's super is significantly lower than mine. Just looking at his Correct. So that's the next one. That's the one above yours. Sorry. Yeah. So if you go back to the statement, keep in mind, these are the insurances the increased between c Bus as well as HUB twenty four. So if you we haven't gone through Brandon's, we've only gone through yours. But with the Yes. same concept, this will go a lot quicker because we've already gone through it. So if you go back to the statement of advice, the first attachment, Yes. Yes. and you go to page you go to page 32. Yep. Brandon's Yep. got you said you weren't a smoker. Is Brandon there? She is Nope. that. No. That's okay. So, Brandon, because he smoked cigarettes in the because he smoked cigarettes recently, No. No. Not in the so he he he'll have one cigarette if he's really drunk. He hasn't smoked in the last What? Three years. No. I understand that. But to an insurer, they do not care at all Okay. at all. So, yeah, we have to disclose that. And just to give you an idea, the difference in premium for smoker and not in smoker, this is why I've done the different premiums in different places, is fourth Okay. instead of four instead of $2,952, it's gonna cost $4,140.88. Where are we looking? Sorry. So page 32. 32. Oh, yes. I see. Yeah. So just to put it in perspective, if you were not a smoker now I wanna point out you can see the life insurance. Well, I'm only covering him for bare bones, which is 490,000, which is your mortgage in debt. Right? The reason why it's so much more expensive Yep.","start_word":11751,"end_word":12049,"sentiment":"neutral","sentiment_score":-0.017913142997883633},{"text":"for such less so much less cover is because of his occupation. Being the excavator driver instead of a nurse, it's a lot higher risk.","start_word":12050,"end_word":12074,"sentiment":"negative","sentiment_score":-0.4075588881969452},{"text":"Yeah. Right. I've something going I wrong. for Yeah. some So reason, I thought it was the other way around. No. I'm sorry. I mean, mental health probably wise, but you're in a, like, you're in a sanitary environment. You've got strict procedures and policies. As an ex care beta driver, you like you said, you're on the side of a road digging off the said said road on a side of a cliff. Right? So Yes. not only that, he actually goes out into the ocean. So those things are all factors. So the way that they the way we that insurance companies calculate price versus risk, the monetary outcome versus the risk that they gotta take and work out a dollar figure behind that is a job called by job done by an actuary. So have you ever heard of somebody called an actuary? No. Okay. So an actuary is like a a it's a it's a it's a occupation, I guess, if it's a job, and they are very strange people.","start_word":12075,"end_word":12248,"sentiment":"neutral","sentiment_score":-0.10885480919788625},{"text":"They're like they're like little hermits that that are mathematicians that live in a cave somewhere.","start_word":12249,"end_word":12264,"sentiment":"negative","sentiment_score":-0.375733345746994},{"text":"They're just the strangest people you've ever met in your life. Their whole their their job is to essentially work out for the amounts of claims or things going wrong, what are those things that go wrong, and then calculate that risk into a monetary figure so the insurers can work out what how much it will cost to Yes. to to for a premium to get paid versus the likelihood of them paying out. Okay. Yep.","start_word":12265,"end_word":12341,"sentiment":"neutral","sentiment_score":-0.1486690193414688},{"text":"So if you're an astronaut, you probably wouldn't get covered because the risk of something going wrong is way too high for them.","start_word":12342,"end_word":12364,"sentiment":"negative","sentiment_score":-0.42390674352645874},{"text":"Right? Yeah. Yeah.","start_word":12365,"end_word":12367,"sentiment":"neutral","sentiment_score":-0.1656447947025299},{"text":"But if you are administration's officers sitting at a desk a 100% of the time during the day, then the likelihood of something going wrong is next to nothing.","start_word":12368,"end_word":12396,"sentiment":"negative","sentiment_score":-0.37075385451316833},{"text":"So, you know, for Yeah. if you were an admin officer, you'd be paying something like $1,100 for the same amount of cover each.","start_word":12397,"end_word":12420,"sentiment":"neutral","sentiment_score":-0.2646239399909973},{"text":"That's crazy.","start_word":12421,"end_word":12422,"sentiment":"negative","sentiment_score":-0.47307243943214417},{"text":"Yeah. So it's very, very kind of convoluted and intricate just to give you an idea of how insurance works. There's a lot to it. But, yeah, for your specific occupations, if I were to get the same amount of cover for Brendan for that 1,500,000 for life and TPD, then you'd be looking at you'd be looking at significantly more premiums for the exact same amount of cover. Wow. Okay. So so to counteract that, to make sure that his super is still growing by the at the end of the day, I need to make sure that, you know, we we we aren't charging too much. We aren't charging the arm and the leg. So quite literally. That's funny. Not only that, we did a pre assessment, and there may be some exclusions involved because of family Okay. history, Yeah. which is multiple sclerosis. Yeah. Okay. Okay? So this is where yeah.","start_word":12423,"end_word":12576,"sentiment":"neutral","sentiment_score":-0.15314510464668274},{"text":"There's there's lots that come into it. So if you were to get MS because of his family history, the insurer wouldn't pay out.","start_word":12577,"end_word":12600,"sentiment":"negative","sentiment_score":-0.44508641958236694},{"text":"Okay. Is there any insurer that would? Okay. No. At the moment, he doesn't have any exclusions on his current cover with Yeah. CBIZ. But the again, it's you just got given all these insurances. They haven't gone through what's called comprehensive underwriting. So Yes. underwriting means that we go through a big long questionnaire, ask you all about your family life, pretty much that pre assessment with a little bit more detail, and then we submit it to the insurance company. Say, hey. We want this person, our client, to be insured.","start_word":12601,"end_word":12693,"sentiment":"neutral","sentiment_score":0.02090325579047203},{"text":"This is how much we want, and this is the cover that they have agreed to and they're happy with.","start_word":12694,"end_word":12713,"sentiment":"positive","sentiment_score":0.3922736346721649},{"text":"Now these are the questionnaires, and this is their family life, their their personal what we call a personal statement. So you provide a statement saying exactly what's happened to you along the way, whether you've broken any bones, your family history, whether you've had cancer, benign, malignant, and they'll ask all the questions. And then you submit it, and then they come back and they assess the risk. They call underwriters, and they say, right. Well, we're we're happy to give them this appropriate cover, but we won't cover MS because it's family history. And if you're happy, then I'll come back to you and I'll say, look.","start_word":12714,"end_word":12822,"sentiment":"neutral","sentiment_score":0.05675327032804489},{"text":"This is what they've offered. Are you happy with it?","start_word":12823,"end_word":12832,"sentiment":"positive","sentiment_score":0.3604423701763153},{"text":"If you say yes, then we call the insurer back and say, yep.","start_word":12833,"end_word":12845,"sentiment":"neutral","sentiment_score":0.22449679672718048},{"text":"They're happy with this. They've signed off on it.","start_word":12846,"end_word":12854,"sentiment":"positive","sentiment_score":0.4275512099266052},{"text":"Let's proceed. And then what they'll do is they'll essentially place that cover in force. Yes. And then if anything were to happen, the benefit of that is if anything were to happen down the track, the questions have already been asked. So they have to pay you depending on the outcome. So Yes. pretty Okay. much everything's covered outside of MS depending on Okay. what the insurer says. However, if with the current insurance with Cbus for Brendan, if something were to happen, he would get MS, then he wants to claim on his 100 and something thousand worth of total permanent disability. They would ask the questions then. They would go, alright. Well, can you, you know, Okay. do you do you have a family history of multiple sclerosis? Oh, you do. Well, So they'll based just on that, roll it's it out a non anyway. it's a nondisclosure. Yeah. Correct. Exactly. Yeah. Okay. So Yep. it's No very worries. does that kinda does that kinda make sense? What I wanna do Yeah. is I do wanna update that that document table where it said that the where it was the recommended. The like, it's your do you know where it said negative $4.10 for admin fees? That's for mine. Yeah. For yours. So what I can do is I'll just copy this table here, and I will send it to you because I don't like that it copied over. But when I send it through to you, you'll see that it's just the difference in the actual fees. So I'll Yes. just send it through to as to follow-up on that statement of advice email sent through. I'll Perfect. say reply to all just so you can see what I'm talking about. So I'm so does that does that kinda give you an idea of how the insurances work, why I recommended what I recommended, the the the outcomes and the numbers that we're working with? Or Yep. That makes sense. Brandon's only got their two year benefit period. Yeah.","start_word":12855,"end_word":13197,"sentiment":"neutral","sentiment_score":0.011616620949249574},{"text":"To bring the cost down because it's very it's very expensive in Yeah.","start_word":13198,"end_word":13210,"sentiment":"negative","sentiment_score":-0.4476328492164612},{"text":"his line of work. Yeah. So is that that's why you wanna and because you're the so this is how the the benefits kind of work together.","start_word":13211,"end_word":13237,"sentiment":"neutral","sentiment_score":0.03712530434131622},{"text":"So if Brandon were to not be able to work because of injury illness, you can more than likely do a TPD claim because it would Okay. be fairly severe.","start_word":13238,"end_word":13267,"sentiment":"negative","sentiment_score":-0.4683728814125061},{"text":"But if you were to claim on an income protection claim, at least you get two years worth of benefit, And that way, Yes. it's not gonna completely blow the bank because the premiums aren't that high. And not only that, his income is lower than yours. So if you were to if you were to not be able to work because of injury illness and you need to go on a claim for, let's say, ten years before you can do something else or, you know, get back to work, whatever it might be, in that kind of example, this mental health is a big one.","start_word":13268,"end_word":13374,"sentiment":"neutral","sentiment_score":-0.10470996797084808},{"text":"You know, stress leaves, stuff like that where you get anxiety or depression, something along those lines.","start_word":13375,"end_word":13391,"sentiment":"negative","sentiment_score":-0.3419262766838074},{"text":"It sounds like five to seven years sometimes. So if that were the case and you weren't be able you weren't able to create an income, then you're the one that needs to be covered the most for the most amount of time because you've got the higher wage. Okay. So he's Does also that does not that make covered for melanoma either. sense? Only in trauma Yep. because Okay. that covers the main payment out of trauma is cancer. Yeah. Cancer, But if it's heart any disease. Yep. Sorry. Go on. so only melanomas or what if any other skin cancers or is it is it just Great. Great question. Nailing these questions at the moment. I must've sorry. no. No. No. These these are this is exactly why we have this conversation. So the answer is only melanomas. If he were to get, say, bowel cancer or something like that, then it's still covered. So it's only got to do with preexisting conditions. So a good example is a back. Right? So your back if you get in if you're in a car crash and something happened, whatever it might be, you fell over or the scooter or escape or something, and you have a bulging disc on your l you don't understand this l four, l five disc. Right? Yes. Your lumbar sacral spine. Then if we would do underwriting and get comprehensive insurance for, let's say, myself, then they would exclude the lower spine, so the lumbar spine. However, Yes. it's got to do with the preexisting condition. So let's just say, you know, at the time where it ends up sever severing or whatever it's called. I'm not the doctor, the financial Yep. planner. Yep.","start_word":13392,"end_word":13681,"sentiment":"neutral","sentiment_score":-0.12516240909181792},{"text":"But something happens and I become paralyzed from the lumbar sacral spine now.","start_word":13682,"end_word":13694,"sentiment":"negative","sentiment_score":-0.3777811527252197},{"text":"Right? Then I'm not covered because there will be a lumbar sacral spine exclusion. However, if I were to get into another car crash, for example, and I get t Yep.","start_word":13695,"end_word":13725,"sentiment":"neutral","sentiment_score":-0.3049556314945221},{"text":"boned by a drunk driver and my l four, l five discs completely shatter and they sever whatever the right terminology is and I'm paralyzed from the waist down, I will get paid because it's got nothing to do with my preexisting condition.","start_word":13726,"end_word":13768,"sentiment":"negative","sentiment_score":-0.4933983087539673},{"text":"Yeah. So Does he that doesn't make have sense?","start_word":13769,"end_word":13777,"sentiment":"neutral","sentiment_score":-0.2775002419948578},{"text":"any pre pre because he hasn't had actual cancers taken out. Is that just because of his dad's cancers taken out?","start_word":13778,"end_word":13798,"sentiment":"negative","sentiment_score":-0.3916025757789612},{"text":"Possibly, we would know more once you go through the full underwriting process. So when we go Okay. through that insurance application, we would submit it towards the insurer, and I'd probably more than likely be able to let you know. I've been doing this for, you know, pretty much my whole life. So Yes. Yeah. inclusive of the investments, my whole financial scope.","start_word":13799,"end_word":13862,"sentiment":"neutral","sentiment_score":0.07238413393497467},{"text":"But, yeah, Thank we're pretty good at picking things up before we submit you.","start_word":13863,"end_word":13876,"sentiment":"positive","sentiment_score":0.5028547644615173},{"text":"it and letting you Yes. know what to expect when we get it back. Yes. But, yeah, that from the pre assessment, from what we've already disclosed to the insurer, from that questionnaire that you went through with, I believe, matters was Yes. after we had the chat. That's that's essentially you finding out what is likely to come back with because we're and that's when we take it to the market. So we get your pre pre assessment of your health conditions as well as what cover you need and your situation, age, and stage, everything. And then we go and we we compare that outcome with a whole bunch of different providers. And that's actually outlined on the statement of advice as well. So if we're looking at Brendan's outcome, if you go down again to after those cover amounts, if you go down to page 34, it tells you about the exclusions. Yes. Page 35 is the best interest duty. Yes. Page 36 is the needs analysis, so he needs a little bit less cover than you because he's got a little bit less income than you over ten years as well Yes. as superannuation. So he might have thought a lot less super. But if you go down all the way through page 38, which is the outcomes, the advantages, and just compared to disadvantages of introducing this new cover, and you go down past risks and go down to page 42, you can see alternatives considered on page 42. Let me know when Yeah. you're there of the statement Yes. advice. So look at the last paragraph. So out of all the insurers that are on the market, because we run RNA for so we have to go we can we compare all of them. Out of all the insurers, the top kind of the top insurers that gave us relevant, like, adequate insurance levels and insurance definitions for Brendan, as well as appropriate price. They all have different pricings because of their definitions and the the the essentially, when when you're looking at insurance policies, you gotta look at these things for definitions. So some insurers have more comprehensive definitions, which means the likelihood of you getting paid is higher, so, therefore, the premium's higher because Yes. it's higher risk to insure. So the competitive insurers were Tal, t a l, Australian Life it stands for, Ascender, and Zurich. Yes. Okay? So those are the top and along with the recommend recommended cover that we're recommending with the with his current insurance policy with one path is the one we're recommending for him. The one Yes.","start_word":13877,"end_word":14318,"sentiment":"neutral","sentiment_score":0.0339479131278544},{"text":"those four insurers came up to be kind of the most the highest rated, the most affordable for his age and stage and occupation. So Yes. out of all four of them, the cheapest with the best outcome is essentially one path, and that's why we're recommending to go ahead with one path.","start_word":14319,"end_word":14371,"sentiment":"positive","sentiment_score":0.6124184727668762},{"text":"On the second attachment in that document in the appendix, it actually gives you a little bit of a rating in comparison to what a c bus insurance looks like as well. And that's What page is oh, this on? Sorry. the appendices doesn't have a page. It's just kinda like the extras. But if you go to where we were before for the like for like investment returns Oh, yes. for yourself. In the in Yeah. Correct. the In the appendix. appendix. Yeah. No. We're jumping around all over the Sorry. place. Bear with me. I apologize.","start_word":14372,"end_word":14469,"sentiment":"neutral","sentiment_score":0.02749532274901867},{"text":"My my long acting's wearing off by now.","start_word":14470,"end_word":14477,"sentiment":"negative","sentiment_score":-0.5153804421424866},{"text":"Yeah. No. That's alright. I know. But Okay. if you wanna go onto that, the appendix pretty much just outlines how investment methodology is there. But after the investment methodology, you'll actually see a comparison for insurance comparing differences. So a like for like for Brendan, Yes. and we compared OnePath versus Feebas. We've got all the other research.","start_word":14478,"end_word":14536,"sentiment":"neutral","sentiment_score":0.0967920422554016},{"text":"If you want me to send that through, I'm more than happy to send it through as well.","start_word":14537,"end_word":14554,"sentiment":"positive","sentiment_score":0.4806827902793884},{"text":"But, essentially, we're just looking at, you know, what's the at a glance, what does one path portfolio and will insurance cover when compared to the existing SeaBus super Oh, that's insurance? crazy. Yeah. Yeah. Yeah. Yeah. Correct. So so the the coverage, you've got essentially a 1917% better chance of claiming on life and CPD with one part than you do with CBUS. That's because we ask the questions before the events, essentially. Yes. Yes. And if you look at, you know, what what these ratings look like, each rating house has a different rating. We use Yes. Chartwest for the insurances. It essentially shows you an overall score between the life, the TPD, and the features involved. Yep. And, yeah, if you if you go down the list, you can see that essentially, one path is a comprehensive insurance policy for life, CPD, income protection, and trauma. That's got a score of 92, a rating not compared to the rest of the market of 92.","start_word":14555,"end_word":14721,"sentiment":"neutral","sentiment_score":0.1590244305169511},{"text":"It's pretty much the highest you can get.","start_word":14722,"end_word":14729,"sentiment":"positive","sentiment_score":0.36535757780075073},{"text":"I Yep. think Zurich has 94 for his occupation, but it's extremely expensive. So I'd rather save the $2,000 a year premium in case something doesn't go wrong and get one part but still really highly rated product. But if Yes. you're looking at the life and the TPD, you're looking at a 42 overall rating between the life and TPD. And if you were to just look at that life and TPD like for liking, you know, rating, it's a comparison of 29 versus six. Yes. It says I can go more to what the ratings look like. It says ranked on definition, but just to give you both a snapshot, that's what it looks like. And if you were to look at yours, QSuper's actually got a lot better insurances to CBUS and other industry funds because of the QSuper being in the health and police. You know what I mean? So Yes. QSuper's got a much higher rated product, which is 54. But like like we said before, you know, ClearView, if you're looking at that comprehensive cover, there there is an extra 12 points in that, and that's because of the trauma. We recommend Yes. trauma. But if you're looking at like for like, you can see it far out performs in terms of the life of GPD and income protection. Does that does that give you more of an idea of what the ration of the the insurance product is? Or Yeah. 100%. Yeah.","start_word":14730,"end_word":14978,"sentiment":"neutral","sentiment_score":0.07534336298704147},{"text":"perfect. Perfect.","start_word":14979,"end_word":14980,"sentiment":"positive","sentiment_score":0.5435962677001953},{"text":"Well, that is that's pretty much what our recommendations are. I'm going to send you through an email with the updated table here. I apologize. I don't know why it's spattered out like that. It's just I've been having issues just today. It's just it just so happens to be that today's the day where it decided to not work even with the upload. I don't know why. But as discussed, please see. And what I'll do is I'll make sure that we take down the the odoo sign that I sent out. I don't want you if you wanna proceed with just the insurance or whatever it is, I'll get some time give you some time to obviously consider it and talk between yourselves, think Yes. about it, And we can book in time, you know, in a couple days just to have a catch up. Or if you want the weekend, Yes. just let me know. But I I wanted to make sure that, obviously, if you are signing something and proceeding with whatever it is you wanna proceed with, then you're signing off on an accurate document. Then but Yes. just while I've got you before we book that time in, I'll send this out. Please see below so you can see what I mean by the difference in those numbers.","start_word":14981,"end_word":15204,"sentiment":"neutral","sentiment_score":-0.03688390639477542},{"text":"Perfect. Sounds good.","start_word":15205,"end_word":15207,"sentiment":"positive","sentiment_score":0.4381982982158661},{"text":"So there we go. So I've just sent Nelson, I've just sent you out that extra bit. So somewhere out there in the etherwebs somewhere, So let me know. Maybe check junk again. If you right clicked on the previous email and moved it to inbox, it shouldn't. It should just go straight to that inbox. But a message has been Got sent, it. so the email has been sent. You got it?","start_word":15208,"end_word":15280,"sentiment":"neutral","sentiment_score":0.01530275959521532},{"text":"Beautiful. Perfect.","start_word":15281,"end_word":15282,"sentiment":"positive","sentiment_score":0.524138867855072},{"text":"So if you you open that up and you see the same kind of table. So that same table, if you're looking at it, Yep. Yep. this is a comparison of 3711. You'll see at the very the difference table over there. Yep. So negative 410 and then Oh, 41 that makes one, you sense. see. Yeah. Yeah. No. It shifted over to the left. But if you look at the this is what is this is how the data was supposed to correlate in that table. So, again, I'm gonna update it and resend it out. So I do apologize. For some reason, that that side just shifted over that way and threw the numbers out. I don't know why. Yeah. That's okay. No worries. Yeah. Yeah. But does that give you a better indication of what it looks like? Yep.","start_word":15283,"end_word":15424,"sentiment":"neutral","sentiment_score":-0.032788395566839566},{"text":"Beautiful.","start_word":15425,"end_word":15425,"sentiment":"positive","sentiment_score":0.579444169998169},{"text":"And, also, if you wanted to look at the appendices, that is that's in the attachment for the like for like comparisons that Yep. didn't decide to shift over.","start_word":15426,"end_word":15454,"sentiment":"neutral","sentiment_score":0.11700023710727692},{"text":"Perfect.","start_word":15455,"end_word":15455,"sentiment":"positive","sentiment_score":0.4418114125728607},{"text":"Okay. Does that does that, like, it would make a little bit more sense? A lot of those numbers would have thrown you off quite considerably. But in the appendix on the investment returns like for like, you'll see that those numbers are the same there as well, except for, obviously, your current current insurance premiums. So, essentially, the super with insurance recommendation for us, which is HUB24 for both of you, it gives you a it essentially saves you money in administration and investment costs overall. You know, you save $1, and then between the admin fee and investment fee just by investing in in a in a portfolio within hub 24 that essentially gets you 2.78% better return. But if you were to just It get says it's 500 and the the recommended one, it says it's 598 Correct. Correct. for In administration admin? cost. Yes. Yeah. Because it's much more comprehensive product. You can with Yeah. q super if you if you change But your investment investment over to high growth fee exactly. Exactly. is cheaper. So exactly. So this is where we go to the investment And then it side of equals things. itself. Yeah. Exactly. And but but for Brendan's, if you're looking at his, Yeah. you're looking at a you know, essentially a it's a $87 cheaper for his recommended investment portfolio. However, it's $3 more expensive for the same up 24 accounts. And that's because Yeah. he's Robert. in a core product because it's the it's the grouping discount. So does that is Yes. that does that make more sense about what I was Yeah. trying to explain before? Or Yeah. I'm sorry about that. No. Shift over. Hopefully, that email just gives you a better idea of what I So was trying with to explain before. with the recommendations that you have been giving with the super and, like, what the outcome Mhmm. will be in the thirty two years, is that with just our work contributions, or is that Ash, just with you, I'm glad you asked that. So if you look at which which table are you looking at? Are you looking at the email one or in the appendices? Or I'm just looking at the like for like at the moment. okay. Okay. So Brendon's like like that if you go down underneath those investment fees, so there's admin fee, investment fee, any other fees, adviser service fee, that's a percentage based compared Yep. to, you know, obviously, not paying anything. Then you look at Yep. contribution per year. So that contribution per year is the contribution from employment. That's 12% per annum. Okay. You get a little bit more, and what's Yes.","start_word":15456,"end_word":15909,"sentiment":"neutral","sentiment_score":0.05907594748990126},{"text":"convenient with your line of work, I believe, five years ago or something, you still get the same contribution and elected nomination to kind of salary sacrifice 5% or a little bit more, a little bit less.","start_word":15910,"end_word":15946,"sentiment":"positive","sentiment_score":0.3537450134754181},{"text":"Yes. You still get the same government benefits to whatever fund you wanna go to. Oh, I do.","start_word":15947,"end_word":15964,"sentiment":"neutral","sentiment_score":0.2907310128211975},{"text":"Okay. Perfect.","start_word":15965,"end_word":15966,"sentiment":"positive","sentiment_score":0.4535859227180481},{"text":"Yeah. Yeah. Correct. So So it's not I can just I linked can to q super. oh, that's It awesome? used to be. So Yeah. So it used to be only q super and your line of work, but Yep. they the government ended up changing that because I I rightly so, I I seem to agree with that, you know, which I don't agree with the government's decisions half the time more than that. But I do agree that it is your money. You cover 12% of your wage discount to to essentially put towards a retirement fund so that the Yes. government Set doesn't you up have for to your pay a future. pension. Yeah. Correct. Exactly. Correct. So you should be able to not lose any benefits by being forced to stay with one super fund that's underperforming, let's say. It's Yeah. your money.","start_word":15967,"end_word":16113,"sentiment":"neutral","sentiment_score":0.10678522380030885},{"text":"You Lovely. should be able to get the same benefits and be able to get the same outcome as if you were with that fund or any other fund.","start_word":16114,"end_word":16142,"sentiment":"positive","sentiment_score":0.6476235389709473},{"text":"Yeah.","start_word":16143,"end_word":16143,"sentiment":"neutral","sentiment_score":0.3073120713233948},{"text":"Lovely.","start_word":16144,"end_word":16144,"sentiment":"positive","sentiment_score":0.456124871969223},{"text":"And I know the government does also put in like, they don't they put in, like, an extra if I put in this much, they put in that much? That's that 5% voluntary contribution you're already doing. If Yep. you do Yeah. that to help '20 four, you will also get that benefit.","start_word":16145,"end_word":16197,"sentiment":"neutral","sentiment_score":0.1523909717798233},{"text":"Oh, perfect.","start_word":16198,"end_word":16199,"sentiment":"positive","sentiment_score":0.46105843782424927},{"text":"Yep.","start_word":16200,"end_word":16200,"sentiment":"neutral","sentiment_score":0.2581462860107422},{"text":"Cool.","start_word":16201,"end_word":16201,"sentiment":"positive","sentiment_score":0.3561667799949646},{"text":"Yep. Just Yep. making sure. Sorry. Now what I wanted to point out as Yeah. well, those projections in today's dollars for the future, like we explained before, and if you're looking at those contributions and insurance premiums, those contributions are gonna stay the exact set in the calculations of the projections. Again, we try and be as conservative as possible. A good example Yes. of this is if you were to look at the statement of advice when you're going through it in your own time. If you go to Brendan's projections, I think it was page 18 or page Yes. 19, you'll see a comparison between the returns of c bus versus what we're recommending for him. So in twelve months, three year, five year, and ten year, need neither we didn't have the available kind of data for our ten year time horizons mostly because some of those investments weren't around back then. Okay. So it wouldn't give us a d wouldn't give us a relevant outcome. But if you look at the twelve month projection, three year rolling average outcome Oh, that's of this really is strange. Yeah. yeah. Correct. So so I could use a three year projection, but I've got we've got, like within our company, within OPU, it's it's kinda like a it's it's part of our procedures to always use either the lowest or the longest average return, especially Yes. if it's the lowest. So if if five year is the lowest and let's say we do have ten year data available data and it's, say, 10%, we would still use the five year data because it's 9.6% on our returns, and we do a like for like comparison compared to whatever fund we're recommending against. Because, again, I would rather give you a a lower number now that we can try and exceed rather than a nice big fluffy number now that we probably won't require reach. So Yes.","start_word":16202,"end_word":16529,"sentiment":"neutral","sentiment_score":0.013554027366520064},{"text":"we always use the lowest amount, and that just turns out to be a five year rolling average. That's why there's a five year comparison moving forward into the future, what it looks like, and, you know, the what the effects of those fees would be in the beginning, but then the comparison and the outcome over the full time until you can access the superannuation inclusive of the insurances as well.","start_word":16530,"end_word":16601,"sentiment":"positive","sentiment_score":0.38336291909217834},{"text":"Yes. Does that that that hopefully, it's kind of all coming together Yeah. because I know there's a lot. Makes sense.","start_word":16602,"end_word":16622,"sentiment":"neutral","sentiment_score":0.21224680542945865},{"text":"Perfect.","start_word":16623,"end_word":16623,"sentiment":"positive","sentiment_score":0.5153226852416992},{"text":"That's all I wanted to kind of just make sure that you understand. The last thing before I let you go that I wanna work on, do you do you have any questions about I haven't gone through the investments as such, but in our next conversation, I know you're probably a little bit branded now right now.","start_word":16624,"end_word":16681,"sentiment":"neutral","sentiment_score":0.14443211257457733},{"text":"But I'm happy to go through the investments as well.","start_word":16682,"end_word":16691,"sentiment":"positive","sentiment_score":0.5035555362701416},{"text":"They are different between yourself as well as Brandon because Yes. it's just because of the balance.","start_word":16692,"end_word":16708,"sentiment":"neutral","sentiment_score":0.26108232140541077},{"text":"So he's got a lower balance.","start_word":16709,"end_word":16714,"sentiment":"positive","sentiment_score":0.39848241209983826},{"text":"I don't wanna cost too much on investment costs.","start_word":16715,"end_word":16723,"sentiment":"neutral","sentiment_score":0.2644147276878357},{"text":"You've got a more comprehensive portfolio. Therefore, you get a better outcome.","start_word":16724,"end_word":16735,"sentiment":"positive","sentiment_score":0.4952700734138489},{"text":"You know, Yes.","start_word":16736,"end_word":16738,"sentiment":"neutral","sentiment_score":0.25958940386772156},{"text":"That better makes five sense.","start_word":16739,"end_word":16743,"sentiment":"positive","sentiment_score":0.36418280005455017},{"text":"year rolling Yeah. return. Correct. So the last thing I wanna touch on is the fees. So if we scroll all the way down that original document, again, we're more regulated than the pharmaceutical industry. And looking at the documents and everything we have to incorporate into this advice, you can probably understand where I'm coming from now. Yes. Right? But if you scroll all the way down past the wills, it's just on page 54. It says, like, establish your beneficiary nominations for the insurances and new funds if you go ahead with them.","start_word":16744,"end_word":16838,"sentiment":"neutral","sentiment_score":0.06363564878702163},{"text":"Page 57, it's a big gap. It's annoying when you do that and convert a Word document to PDF, and it ships everything around.","start_word":16839,"end_word":16862,"sentiment":"negative","sentiment_score":-0.471106082201004},{"text":"But establish Yep. a will, and the benefits, outcomes, disadvantages, advantages, as well as alternatives considered after that. We we also recommend established power of attorney in case something happens to you both. We need to make sure that, one, we know what to do with the way to pay the money to, and two, what to do with it. As Yep. on page 61, our ongoing service agreement just in writing on page 63 tells you what we do, that we're not a set and forget strategy.","start_word":16863,"end_word":16950,"sentiment":"neutral","sentiment_score":0.1120053008198738},{"text":"We can do pretty much anything you like.","start_word":16951,"end_word":16958,"sentiment":"positive","sentiment_score":0.463005930185318},{"text":"You're paying us, so use us. If you were Yes. to come on board, more important information, cooling off periods. But if you go to page 65, this is what we will get paid depending on what you wanna proceed with. Let me know when you're there. Yeah. The room Remuneration. room Correct. Yep. Essentially, fees. Remuneration fees is what we get remunerated by, how how we get remunerated. oh, this is how you get paid. This is how we get back. Correct. Yeah. So for this document, do you remember the stages, the roots, the the branching out, the all Yes. the different phases in the fees? So because this statement of advice we charge so it for the super and insurance, I I just throw in, you know, the recommendation of will and power of attorney in there just because it made sense.","start_word":16959,"end_word":17103,"sentiment":"neutral","sentiment_score":0.14065827429294586},{"text":"But with the super insurance, the cost of preparing this document, we do complimentary because we wanna show that we can get you in a better position first and foremost with the increase of insurances. And that's what we've just done.","start_word":17104,"end_word":17144,"sentiment":"positive","sentiment_score":0.4392025172710418},{"text":"Yes. If you were to look at cash on budgeting or leveraging, gearing, and personal investments, then we charge just to write this document, we charge anywhere from $1,650 out of pocket to $2,200 out of pocket. Because you're only focusing on super and insurance, we charge we only charge once you decide to proceed with something. Right? Yes. So if you were to proceed with only the insurances, only the insurer will pay us. And they pay us 66% of whatever the premium is of whatever insurance policy we write upfront, which is for yourself for for Brendan, it's gonna be $2,482. We'll get Mhmm. paid that from the insurance company and nothing from you out of your super or out of back pocket. And then we will also get if we go ahead with your ClearView insurance policy, we get paid 66% of that first year premium, which is $3,056. Then there is the insurance company will essentially for the life of the policy, we will get paid 22% of that commission every year, Yes. which is, you know, what, $827 on the next page for Brendan's policy and $1,019 for your policy from Clearview every year moving forward for the life of the policy. So Yes. that's how we get paid from the insurance company. You don't pay anything out of back pocket, but because we've looked at the insurance and managing the InsideSuper and the recommendation of superannuation, we've calculated these fees into those projection tables as well, like the one I Mhmm. just emailed you. Upfront, again, we charge for an individual client. Once you agree to proceed with if it were the super insurance, then we can charge this fee out of super. For an individual, we charge $4,500 plus GST or $4,950 for this document. But if you're a couple and there's two clients, obviously, we want two lots of funds to grow, so it's more beneficial for everyone. Then we reduce that fee down from essentially $4,950 for one for an individual down to 3,300 per individual, which is reflected in there as well. Yes. Does that make sense?","start_word":17145,"end_word":17501,"sentiment":"neutral","sentiment_score":0.16950062760451928},{"text":"Beautiful.","start_word":17502,"end_word":17502,"sentiment":"positive","sentiment_score":0.5443901419639587},{"text":"I wanna make sure that you understand as well. Within the projection tables that I emailed through, the actual correct one again, sorry. Apologies about it. I don't know why I shipped it across. But the projection tables, that is inclusive where you can see the balance at the top. We've deducted that 3,300 from each of your super funds straight off the bat. And when we'll start with looking at the projections moving forward, that's comparison over five years, ten years, and thirty two years by the age of 60. That is net of all fees, platform fees, insurance premiums, as well as our fees. Yep. Okay? So that's an upfront cost, a flat rate of $36,600, 3,300 each for documents if you were to proceed with the super. And then the insurance add in the ongoing percentage based fee is at 1.5% plus GST, and it tears down the higher you grow because it gets pretty outrageous if we charge 1.65% on, you know, your outcome of 1.5 1,700,000 and then you know what I mean? We we Yes. we start charging, like, $4,050,000 dollars a year. I wouldn't complain, Yes. but it just doesn't seem really reasonable to us. Yes. Does that make does that make sense? Yes. So, essentially, if you don't go ahead with the super and you only want us to write the insurances to get you covered and your family covered, well, you don't pay us a cent outside of super or out of your back pocket. The insurance company pays us only. Yes. But then I also need I also wanna, you know, reflect what that looks like in the appendix if we were to write that cover and just key get your current super fund to pay for it. Okay. What what the app what the impact would be. That's that's Yes. those tables in the appendices. Cool. Does that all make sense? Do you have any questions? Yep. No questions.","start_word":17503,"end_word":17832,"sentiment":"neutral","sentiment_score":0.016448880094244625},{"text":"Amazing. I should probably get some dinner, and you guys should probably get some get to dinner too.","start_word":17833,"end_word":17850,"sentiment":"positive","sentiment_score":0.4328940212726593},{"text":"So I do apologize for the time and the delay. I know we're supposed to kick off at five, but life and puppies and Did and happen. technology gets in the way. Yeah. Correct. Shit does happen. Exactly right. But, look, the the over remuneration instead of broken down between the implementation and then ongoing, I've done it for each of you. So on the next page and then on the page after that, 69 shows the how to implement our advice if you were to go ahead with everything, step by step guide for who Yep. and when Yep. all the way down. And then the on page 71 is just essentially showing, look, if you do wanna proceed with everything, then we will just, you know, proceed. But in that little box above the finding area, Yep. we can outline, you know, you says, I have chosen to vary the recommendations in the supplies documents. And then we'll write down, look, I only wanna proceed with insurance or whatever it might be. Right?","start_word":17851,"end_word":18025,"sentiment":"neutral","sentiment_score":0.03772572323679924},{"text":"Perfect. Sounds good. Perfect.","start_word":18026,"end_word":18029,"sentiment":"positive","sentiment_score":0.5958260297775269},{"text":"Now I know that's a lot to take in. I don't want you to make a decision just yes on what to do moving forward, but Friday is the Gold Coast show day. So what how about this Thursday this week, or would you prefer to catch up just for a chat maybe Monday next week? What do you prefer? We're seeing our mortgage broker Thursday. I could Okay. do Monday.","start_word":18030,"end_word":18100,"sentiment":"neutral","sentiment_score":0.01793256588280201},{"text":"Beautiful.","start_word":18101,"end_word":18101,"sentiment":"positive","sentiment_score":0.4135892987251282},{"text":"Monday, same time. You Oh, guys just sorry. I'm working a light on Monday, but is it okay. will it be okay if it's just me in the morning? Yeah. Yeah. Absolutely. Money never sleeps in my world, and it's it's 08:00 at night. You know, we Okay. do Perfect. this. I do I do, like, maybe five I used to do five to seven of these a day. So, honestly, anytime whenever it suits you. Not a problem. I can do whatever time in the morning. I start I don't start work till one. Okay. Well, if Brendan's okay with me to having that discussion with you, if he's if he comes to decision or whatever you guys come to decision on, then we will need to see him send you his ID and, oh, you've already sent through IDs. We're gonna need those. And you've got tax on number. That's all good from an AML point of view. Yes. I will need to just ask a question there for again, compliance Yep. is everything in our world. So I will need to speak to him, and I will need to get him to sign up on the documents Yep. that you would have received. Again, I'm gonna resend them because I wanna update the document with that table shifted. Yeah. Not a problem.","start_word":18102,"end_word":18326,"sentiment":"neutral","sentiment_score":0.08934975862503051},{"text":"Amazing.","start_word":18327,"end_word":18327,"sentiment":"positive","sentiment_score":0.694632887840271},{"text":"I'll give you a call, and if he's okay with that, then I'll give you a call at 09:30 on Monday, thirty first. How does that sound?","start_word":18328,"end_word":18354,"sentiment":"neutral","sentiment_score":0.30909234285354614},{"text":"Sounds perfect so much. Thank you so much, and I'm so sorry.","start_word":18355,"end_word":18366,"sentiment":"positive","sentiment_score":0.4669829905033112},{"text":"It's so late. That's right. Not a problem at all. I apologize for taking my time too. I'll speak to you guys next well, I'll speak to yourself first and next week.","start_word":18367,"end_word":18398,"sentiment":"neutral","sentiment_score":0.08350948989391327},{"text":"Thank you for your patience. I really appreciate it.","start_word":18399,"end_word":18407,"sentiment":"positive","sentiment_score":0.6642453670501709},{"text":"And, yeah, we'll we'll have a chat then. Alright?","start_word":18408,"end_word":18416,"sentiment":"neutral","sentiment_score":0.27678394317626953},{"text":"Not a problem. Thank you so much. Amazing. Enjoy the rest of your night. See you. Bye.","start_word":18417,"end_word":18433,"sentiment":"positive","sentiment_score":0.6414802670478821},{"text":"You too. Bye.","start_word":18434,"end_word":18436,"sentiment":"neutral","sentiment_score":0.27750903367996216}],"average":{"sentiment":"neutral","sentiment_score":0.04581239889233603}}}}