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I had you booked in to go over your strategy recommendations with you. Is now still a good time? Yeah. Alright. I will try to keep it quick for you. Now just before I go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay with you. Yep. Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please? Yep. Yep. No. That's it. That's everything. Thank you so much for that. Now do you have access to your emails at the moment? If you yeah? If you, yeah, if you quit, that would be good because what I'm doing is I'm just sending you an email right now with the the SOA to go through with you. And because there are a couple of things. It does make it easier for you if you can get it up at the same time even if it's just on your phone. But if you can't, I can always run through it with you, and then you can have a look through it later. It is up to you. It's like that sometimes. Okay. Yep. Take your time. I have just sent it to you, so it might take a couple of minutes anyway. So see how you go. And like I said, if you can't, I can always run through it with you. Yeah. Yes. Yes. So we have recently changed over to a new software, so it might look a little bit different than usual. Essentially, before you click on the link, you will see that there are a number of attachments if you scroll down in the email. Can you see those? Yes. Yes. Yeah. I can hear you, Rod. Can you hear me? Okay. That's okay. I was wondering. No. That's okay. Can you see those attachments there? So before you click on the link, there will be a couple of attachments. You don't have to open all of them. But can you see that there are a number of attachments there in the email for you? Yes. Yes. Yes. Yep. Yes. Yes. If you can click on one for me, the state the statement of advice. Yep. Can you see that okay now? Yeah. So I'll just go through it here with you because it's easier for you as well. You can see everything. Now this is basically the document that contains the recommendations I'm going through. So this is the important one. Now the other attachments that was there, a lot of it is for research and to show you, obviously, backing up the recommendations, that information about the insurance policy, and an updated financial services guide and mainly a lot of the research is there for you. So if you click on the link later, it will then those are the documents that needs signing. But before that, I'll just go through the actual statement of advice here with you, obviously, to make sure you're happy with everything before we kind of, you know, see if we wanna do that further. Okay? Yep. So as you can see here on the the front page, the the purpose of, obviously, everything today is to try to get all your supers consolidated, start contributing to super for you, and then sorting out your insurances. Because at the moment, you do have quite a few super funds, and we will now obviously tryna streamline that as much as we can for you. And you're in that position where your money's gonna grow the most. Yes. Yes. Exactly. Caden? Yeah. Do you do you know when when they told you that it will be canceled? Just so I know the time frame roughly or not sure. Okay. Well, we wanna obviously make yeah. Exactly. Yep. Yes. Yeah. Well, that's their purpose today is to get everything sorted. Now I will just flag that as well because we wanna make we sort your insurances out before that. But I have done a recommendation in regards to all your insurances as well. So we will go through everything here. I'll try to get quick for you, but, essentially, the cover page, obviously, pretty straightforward. I have obviously put together this strategy for you, Rod, that our best believe are going to achieve your goals and your objective. But at the end of the day, you know, they are just recommendations. It is completely up to you if you do wanna go ahead with it or not at the end of the day. Now this statement of advice as well is valid for sixty days. So, you know, we obviously wanna get things sorted as soon as possible. You have a bit of time, though, to take your time to read over it. Any questions, let me know. But, otherwise, it will expire in sixty days. And you will also have my details listed on the on the cover page there for you. You'll also have my license number listed as well, and I am licensed under OU Financial. Now if you wanna scroll to the second page for me, you will see a little section where it says best interest duty. Can you see that? It should be just after the cover page. You've no. You can stay there. You have scrolled a little bit just two pages too far, but that's okay. You can stay there, essentially. Yes? No. You should be able to just scroll scroll where you are right now in the attachment, in the the documents. So if you say scope of advice, that would be at the bottom, do you see page three on that page? Yes. Yes. So you wanna scroll up two pages for me, the heading should say this document and best interest duties just before the table of content. Yep. Yep. No. That's okay. Now this here basically just outlines their best interest duty. And, essentially, what that means is that we have to act in your best interest at all time, and the advice itself has to put you in a better position as a result of the advice. Otherwise, we can't actually make the recommendations. Okay? Does that make sense? Yep. Now next page, table of content, pretty self explanatory. Everything we are going over today, so bear with me as I go through this with you, which then takes us to that page three scope of advice. Now if you do have any questions as as I go through it as well, just feel free to interrupt me and ask away. Yep. You can see that scope of advice now. Yep. So, essentially, our main focus was to sort out your insurances. Sorry. Your superannuation. So, ultimately, you can retire ideally between 60 and 65 and draw that weekly income of about $1,000 per week, consolidate everything, and then maximize growth as much as possible for you in the interest. So that's what we are focusing on today. Now the next thing is your insurances. That is page four. So having a look at your income protection and that total permanent disability to make sure that you do have protection in place if something were to happen to you. Now I haven't made a recommendation on trauma cover. Last time we spoke, you mentioned that you weren't really interested in trauma. It is a policy you have to pay for out of pocket, and you were trying to kind of minimize your out of pocket expenses. Does that all ring a bell? Yeah. Yeah. Yes. Yes. Exactly. So I will go through all of the the insurances for you. So, basically, the next page is then you have page five. So you can see the actual strategies listed in a table there for you, what we are looking at doing. But I'll go through these in details as we go through it for you. Now the next two pages are just some information about you. Could you just have a quick read over that for me just to make sure that's pretty up to date or if I need to make any changes in the back end for you? Pretty pretty good. Yep. Perfect. Which then takes us through page eight. The heading says your current superannuation. Yep. So as you can see here, you do have quite a few in super funds at the moment. You have, obviously, your Netwealth where you have the most amount of money. You also have your, brighter super. You have Asgard. You have HESTA and then, Australian Retirement Trust. Now at the moment, you can see all your balances there. So like you mentioned as well, has currently has about 451 in there, and then you see all the other balances listed there for you as well. Now underneath that is then your current insurance policy. So you have AIA insurance paid currently from Ascot. So that is a life insurance policy. Did you know about that one? Yeah. Yeah. So that is a live policy, and that's that will pay $8,816,098, and it is costing you 4,360 per year currently coming out of Ascot for that insurance policy that life insurance policy. Okay? Now underneath that as well, you will see your HESTA. So you have life insurance in HESTA as well, about 46,500. You have income protection as well. So like you mentioned, ninety day wait. It is a five year benefit period, but the monthly amount is only a thousand dollars. Yes. So they would pay a thousand dollars a month for income replacement if something were to happen. You then also have your other income protection policy with Astron. So that one will pay you a monthly amount of 3,956. Now the waiting period, like you said as well, it is quite long. It's seven hundred and thirty days. And exactly. Now the benefit period for that one is up to the age of 65. And yeah. So I have done research. Yeah. And I have made a recommendation on that for you. As a suggestion, again, up to you what you wanna do, but I have made a recommendation on how to change it. Now, currently, you are paying 5,148 per year out of pocket for that policy. Okay? Yes. Now the next two pages is a little bit of information in regards to your risk profile. Did you did you remember that kind of risk profile questionnaire we did, all those multiple choice questions on how you feel about risk and fluctuations and stuff. Yeah. So, essentially, you came out as a growth investor. At the moment, you said you you are kind of happy seeing a little bit of fluctuation to try to maximize that growth for you, but you still want a little bit of a defensive portion as well. So we are looking about that 80% in your growth investment. So that is your Australian equity, your international equities, and property as well, and that is what's going to maximize those returns for you, and then about 20% in more defensive assets like your cash, your gold, and your fixed interest. So this just kind of gives you a little bit more information in regards to what that risk profile is for you. Now if you can then scroll to page 12 for me there, Rod, the heading should say strategy recommendations. Perfect. So I've done research on all your current super funds and which one is going to be the best for you and also alternatives. So, you know, making sure that the the superannuation that we are consolidating you to, if possible, is the one that is ultimately going to give you the best returns and put you in the best position for retirement. So after doing all of all of that, I do recommend that we consolidate into NatWest. So NatWest is the one that you currently have the most amount of money into. It is the one that has the most flexibility with your investment so we can achieve more when it comes to your return. Now it is a little bit more expensive than some of the other super funds, but what we can do with the investment kind of outweigh that as well, which I will show you on the next couple of pages. Do you have any questions so far otherwise? Yep. Okay. Perfect. Now I did consider other options to Netwealth as well. There was one competitor that was pretty close. But because your Netwealth has grown quite a bit, which is great, if we wanted to change that, it would mean that you would have to pay a bit of capital gains tax on your earnings in net wealth, and, you know, the minimal saving in fee just wasn't worth it. But that's not to say, you know, it's always going to be the best option. We always do research to make sure that, you know, the super funds that we recommend for you is the best one. You know, there is no tie to Netwealth or anything like that. It's just the one that's, at the moment, going to keep you in the best position. So this basically just kind of breaks breaks down all of that for you. Now on the next couple of pages, know it's quite wordy. A lot of it is the complaints, but it's also to make sure that you fully understand everything, is you will see a little table outlining the advantages in regards to the recommendation of consolidating your super and then the disadvantages and warnings to be mindful of as well. So as you can see, obviously, an advantage is it makes it a lot easier for you. Everything is in one place. It will grow your super the most. We're also updating your investments to try to improve the returns for you. You are, by doing it, saving quite a bit in investment fees and But a downside by consolidating is that, obviously, in the process of transferring the money, so, obviously, you'll you'll sell down to cash. We will do all of that for you, transfer everything over. Know, there is a potential for a little bit of growth loss in that time frame. Tend to happen pretty quickly, but, obviously, something for you to be aware of as well. Yep. Now, again, as you kind of scroll through, you will see, you know, some warning and alternative. So a warning is that, you know, there is no guarantee what's going to happen to the investment. You know, we can't predict what is going to happen in the future, but that is also why when we are doing the research, we make sure we do extensive research to give you as much, you know, clarity as we can. You're following so far, Rod? Yeah. Yep. I know. I noticed. It'll it'll makes more sense when I'll show you a table where it shows. This is just kind of like the wording just so you can have a read over it, make sure you understand everything. On the next pages, so I am on page 15 at the moment. The heading says make a tax deductible concessional contribution interest surfer. Can you see that? Yes, please. It will be they had there should be a on page 15 on that statement of advice, it's a it's a blue heading, and it says at the top that Rods make a tax deductible. Can you see that? Yeah? Or what can you see? And I can kind of direct you through. Next one? Yes. Yeah. It's kind of weird because the factors the actual pages on, like, the program you're using will factor in the cover page. But if you look at the bottom of the page, it's, like, one page off. Yeah. Yeah. You're you're with me now? Yep. So you mentioned as well that you obviously want to start making contributions into superannuation to try to grow that for you because it's something you haven't really been doing. So we do wanna, you know, make sure we can do that for you. Last time, you mentioned that you're happy to start contributing about $200 a week as a starting point. Yep. So I have just shown you basically what that would look like. Now the way that you would do that, obviously, as being self employed, we would give you all the the documents on on how to do it is that because of, obviously, employment situation, you would typically make the contributions from your bank account. Like, you can do it straight bank account. Now because it's from your bank account, it's money that you've already paid tax on. So what we will then help you do is that because money in superannuation is only taxed at 15%. And at the moment, with your high income, you can be taxed up to that 45% and the medical levy. So, obviously, a lot more. So the way that we can do that for you is that you obviously make the contributions from your bank account. But before the end of this financial year, we would help you in superannuation. It's just a form. We will basically help you kinda claim some of that tax back because you don't wanna be double taxed, and we wanna save a little bit because there is a concession by making that contribution into Superbump. It might sound a bit complex, but, essentially, by doing it, it just means that you will save a little bit and not having to pay tax on, you know, after tax money. It will be counted as pretax money for you. Yep. Essentially, though, it would mean that you are making $200 per week into superannuation to grow that as much as possible. And if you can save a little bit on tax as well, that's also a good thing. Now that just outlines again for you the outcomes in regards to it. It will break it down in a little bit more because I know it's quite a lot to take in, you know, how it works with the taxing. Something to be mindful of is the contribution cap. But you're trying to take advantage of, you know, the tax savings. There is a cap on 30,000 per year. So at the moment, doing $2,200 a week, you are well under that cap, so that's great. If anything changes, though, and you call me and you go, you know what? I wanna put more in, that's okay. Just call me. I'll do the math for you because we wanna make sure you don't exceed that amount if you do wanna save on tax. If you'd wanna do it after tax, there is yeah. It's it's a it's a lot more. So there is plan there's plenty of space. But if for for some you know, something happens or, you know, you you win the lottery or something and you just go, hey. I wanna put a little bit more in. That's fine. Just call me first so I can I can do that math for you? Yeah. Perfect. Obviously, at this advantage, to be mindful of that money that you put into superannuation, it will be locked in until you meet a condition of release. So that would be, for example, if you turn 60 and stop working or 65. So that's obviously kind of the downside, but the good thing is they then, you know, boost your superannuation and assist in your retirement savings. Any questions so far? None? Okay. Perfect. Now if you can then scroll through page page 17, the 17 of page number on the page, the heading should say recommended investment. Yep. So this can be a little bit messy as well, so I'll kinda keep it easy for you. Essentially, the first table shows you your current investment. So you see Brighter Super, for example, you see you are a 100% invested in one of their options. You then have your Ascot. You can see how you are invested in Ascot. You have HESTA, how you are invested in HESTA, and then you have your Australian Retirement Trust and how you are invested in there. And then you also have your network current portfolio listed. Now if you wanna then scroll through the next page, so page 19, the heading will say recommended investment. Yep? Again, it it's a table that can look a little bit messy, but, essentially, I have made some recommendations on changing some of your investments. Now we still wanna keep everything in Netwealth. We still wanna keep your risk profile as your growth, but some of the investments in Netwealth, there there is one in particular, the Benelong Australian Equities has underperformed a little bit. So do we do wanna swap that one out to one that is doing a little bit better for you. So you can kind of see a few changes. So the investment philosophy stays the same. The concept, everything stays the same. It is just changing some of your investments. So you can kind of see on this table how it's changing and then the target weight. But, essentially, to try to keep it as easy as I can for you, your foundation of your portfolio, which is, like, what we would call your core portfolio, those are kind of the investments that kind of form the the basis of portfolio. So these are your biggest investments. So you will see, for example, the IHS S and P 500. Now that one is at 30%. You already have it in your current portfolio. It's doing really well. It's just quietly just realigning it with you. But just for your reference, with that one single investment, it is invested in the 500 biggest companies listed in The US in just one of that. So, obviously, very diversified for you. But at the same time, we don't wanna just have you in one market or one sector, one industry. We wanna diversify things for you. So we also have you can see 20% in beta health Australia 200. So that will give you the Australian equity exposure. We have you in a little bit of Europe, a little bit of Japan, and then a little bit around different investments around the world. And, again, that is just because we don't want to just concentrate it in one industry or or one area of the world. We wanna diversify things for you. But then we also wanna have, you know, a little bit of that defensive proportion to kinda limit that for you a little bit. So we are still keeping gold as your defensive at 10%. It's done really well, so we wanna keep that for you. And then we have, you know, some fixed interest, a little bit of cybersecurity, and and stuff in there for you as well. So it's So it's fairly similar to what you were having in Netwealth. It's just swapping out some that were kind of underperforming a little bit. The other option that's yes. Yes. No. That's just the no. That's just what what we are swapping out. So that is just saying that we are selling those investments, and then you can see kind of at the bottom of there where it says buy, sell, and there's, like, a zero on the current. Those are what we then were buying into instead. Yeah. Just kind of showing you how it's changing, essentially. Yep. Now the next page will show you the asset allocation. That is kind of talking about that growth portfolio. So portfolio. So like I mentioned, we're not changing it. We're keeping that the same, about that eighty twenty split for you. But it just shows you that on on paper, essentially. Now what most people find the most interesting is then your page 21. Find the most interesting is then your page 21, which if you use the bottom page, now this can look quite messy. But this is the one that has the the table with all the numbers and everything like that for you. Can you see that? So this kind of sometimes makes it a bit more easier to understand. So what I have done is you will see your current situation and then the recommended. So the current situation is showing you your super funds at the moment now. So I could fit everything on the one page for you. I have done your current net worth, and then I've added up all your other super funds into the one section. This is trying to make it a little bit easier. So you have your net wealth and then all your other super funds. Now you will then see your current fees, so your administration fees and investment fees. Everything that you are currently paying are advised to fees in network for you, and then the insurances that you are currently paying from your other super funds. Okay. So super fund. So that will be your your HESTA and your AIA for Ascot. Okay? Now you then see at the bottom there where it says your free year rolling average. So what I've done, I've calculated the portfolio return for all of them together, and that tells us that combined for all of them, your current portfolios has produced a three year rolling average, averaging it out over three years for you, of 12.9%. Okay? Now on the recommended side, you will then see the changes. So that is consolidating everything into Netwealth for you. Now I do wanna mention by consolidating everything into Netwealth and changing some of your investments, because your investments, you know, have have gone up, like I said, there will be a little bit of a capital gains tax in superannuation. So by making the switch, there will be around 1,444, which is why you can see the difference listed there, and that is the tax on the investment because we are changing some of it. I'm trying to minimize it as much as possible by still making sure that we achieve a better return and reduce some of the administration fees. Now, obviously, that fee can change a little bit because it changes daily, but it's something I do wanna let you know that if we do make that change, there will be a little bit of that capital gains tax come out of your super. Okay? Now you can then also see the the the fees with Netwealth. So by consolidating everything, you'll have the investment fees and administration fees. Now you'll also see the advice service fee. Now the percentage isn't changing. It's at 1.65. But because we are now managing more money, it's that's why the change is there. Because it's a percentage of your super balance, but the percentage itself is not changing. Okay? Now you I'm I'm still I'm still no. That's okay. I'm still on page 20 one. Yep. Now you will also see so if you can see can you see that three year rolling average again for me where it says 18 it's at 18.11%. So it's quite a big difference, which is really good. Yep. Now at the bottom of that page, you will then see where it says lump sum in three years and lump sum in eight years. You can see that? Yep. So this is basically just projecting everything for you. So like I said earlier, the recommendation that we do has to put you in a better position overall. So it factors in insurances. It factors in adviser fees. It factors in the tax, all the changes as well as the change in your investment, and you can then see the kind of estimated change. So looking at the difference between both the the three years and the eight years, you can see that it still will put you in a better position by making that change. Okay? Yep. Any questions so far, Ward? No? Okay. Perfect. Now I have included on the next page, so that is page 22 where it says retirement income calculation for you. Can you see that? Yeah. So that is just to show you because I know you mentioned that you, you know, think that you probably have to work through about age 65. 60 would be great. So I have included both of that for you. Now, again, it can be a little bit messy here, but the first table here shows you that if you retire at age 60, you won't really achieve your goal of being able to draw about 52,000 a year. Now age pension, if you are eligible for it, won't kick in until 67. So that's why kind of the change in the color. So the black is money you take from your super, and then the blue is potential age pension. Okay? So if you then look at age 65, it's quite a big difference. So at age 60 five, if, you know, everything kind of stays the same, you keep making the contributions, everything stays the same, it will then show you here that you, you know, you are on track to be able to draw that thousand dollars per week. So that black shows you you see the line at the top where it says the 50,000? That is at 52. So that shows you that you can take that 52,000 a year at 65. And then at 67, it can then be supplemented by potential age pension, and it will then your would then potentially run out at around 92, and then it will be age pension. So, obviously, it lasts a lot longer for you. Yep. Now any other questions before I move on to the insurances there for you? No? Yep. Perfect. So the next page, page 23, heading says, Rod, retain your existing income protection. Can you see that? Yep. So I did have a look. So I went and spoke to all the insurers out there to see if I could find another income protection policy for you. I know you mentioned that you feel that, obviously, the two year waiting period is very long, and it is quite long. So I would've spoke to all the insurers out there and see what they said and which one would offer. Yes. Yeah. Yeah. Yeah. Yes. Yep. Yeah. And that's yes. And, you know, as well to make because we can I can obviously do that research for you? So if you ever wanna change anything, you know, you can always just give me a call and say, hey. I want to do this. Can I do it? What should I do? We're here to help you with it as well because it can be really messy and confusing. And I thought that's probably why you do have that two year waiting period because that's typically the only way we would see that long one is if you do have another one to supplement it. Yeah. Yeah. A lot of them are the the HESTA one would be your, like, your default one. They just kind of set it up for you without you having to do anything. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. That's not good. And that sometimes, you know, can happen with those industry funds as well. You don't always get a lot of communication with things. Yeah. And, you know, that's that's not good, and we wanna obviously help you with that to make sure that doesn't happen. But with your income protection, like I said, I spoke to all the insurers out there. And because of your occupation at the moment, they are all saying that you won't be able to get another policy because they think it's too risky on occupation. So that kind of limits what we can do with income protection. So at the moment, we won't be able to take up a new one. Yeah. Yeah. Yeah. Yeah. Yeah. Yep. Yeah. Yeah. Yeah. Yeah. Yep. Yeah. Yeah. Yes. Yeah. So the good thing is that I have found a policy for total permanent disability, which is good. But with income protection, first, I there is no one that is, at the moment, willing to offer cover based on your occupation. So I can't get you a new policy, but what I have been able to do for you anyway is, like you said, it's quite expensive at the moment. So I have spoken to Astrum, and I have got a quote to change the benefit period. So instead of it being to age 65, reduce it to five years. And it's still the same waiting period. We can't change that. But by changing the benefit period, you can see that the monthly premium, you know, almost half. So it does make it a lot cheaper. Now, ultimately, it is up to you if you do wanna keep it or not. But just be mindful that if you do wanna cancel it at the moment, there's no other insurance that is willing to offer cover for income protection. So that would mean that you you won't have it. Yeah. So this is income protection is if you are temporarily unable to work. Yeah. That's this one. Yes. So yes. Yes. So it's it's a little bit so it's it's an income protection. So it is temporary disability. That is if you are temporarily unable to work. So that is true. At the moment, it is up to age 65 if you can't work, but it is, like you said, costing you a bit. Now because you do have a two year waiting period as well, basically, by reducing it to five years, really, there's only a year difference. Because if you have a five year benefit period, but you have to wait two years until that kicks in, that gives you seven years, and it's almost eight years until '65. So if something were to happen tomorrow, the other the one that you currently have, you'd only be basically be utilizing for up to eight years, but, obviously, costing a lot more. Does that make sense? Yeah. Yeah. Yeah. Yeah. Yeah. And, ultimately, if you feel like that, if you tell me, do you know what? I don't wanna keep it. I wanna cancel it. That's fine. It is ultimately up to you. I just obviously want you to be aware that if we cancel it, at the moment, we can't get you another income protection. So that would mean 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morning, Rob. This is Veronica from Oakview Financial. How are you this morning? Just so bad. Yeah.\n\nI'm well. Thank you. I had you booked in to go over your strategy recommendations with you. Is now still a good time? Yeah.\n\nAlright. I will try to keep it quick for you. Now just before I go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay with you. Yep. Perfect.\n\nAnd just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please? Yep. Yep. No. That's it.\n\nThat's everything. Thank you so much for that. Now do you have access to your emails at the moment? If you yeah? If you, yeah, if you quit, that would be good because what I'm doing is I'm just sending you an email right now with the the SOA to go through with you.\n\nAnd because there are a couple of things. It does make it easier for you if you can get it up at the same time even if it's just on your phone. But if you can't, I can always run through it with you, and then you can have a look through it later. It is up to you. It's like that sometimes.\n\nOkay. Yep. Take your time. I have just sent it to you, so it might take a couple of minutes anyway. So see how you go.\n\nAnd like I said, if you can't, I can always run through it with you. Yeah. Yes. Yes. So we have recently changed over to a new software, so it might look a little bit different than usual.\n\nEssentially, before you click on the link, you will see that there are a number of attachments if you scroll down in the email. Can you see those? Yes. Yes. Yeah.\n\nI can hear you, Rod. Can you hear me? Okay. That's okay. I was wondering.\n\nNo. That's okay. Can you see those attachments there? So before you click on the link, there will be a couple of attachments. You don't have to open all of them.\n\nBut can you see that there are a number of attachments there in the email for you? Yes. Yes. Yes. Yep.\n\nYes. Yes. If you can click on one for me, the state the statement of advice. Yep. Can you see that okay now?\n\nYeah. So I'll just go through it here with you because it's easier for you as well. You can see everything. Now this is basically the document that contains the recommendations I'm going through. So this is the important one.\n\nNow the other attachments that was there, a lot of it is for research and to show you, obviously, backing up the recommendations, that information about the insurance policy, and an updated financial services guide and mainly a lot of the research is there for you. So if you click on the link later, it will then those are the documents that needs signing. But before that, I'll just go through the actual statement of advice here with you, obviously, to make sure you're happy with everything before we kind of, you know, see if we wanna do that further. Okay? Yep.\n\nSo as you can see here on the the front page, the the purpose of, obviously, everything today is to try to get all your supers consolidated, start contributing to super for you, and then sorting out your insurances. Because at the moment, you do have quite a few super funds, and we will now obviously tryna streamline that as much as we can for you. And you're in that position where your money's gonna grow the most. Yes. Yes.\n\nExactly. Caden? Yeah. Do you do you know when when they told you that it will be canceled? Just so I know the time frame roughly or not sure.\n\nOkay. Well, we wanna obviously make yeah. Exactly. Yep. Yes.\n\nYeah. Well, that's their purpose today is to get everything sorted. Now I will just flag that as well because we wanna make we sort your insurances out before that. But I have done a recommendation in regards to all your insurances as well. So we will go through everything here.\n\nI'll try to get quick for you, but, essentially, the cover page, obviously, pretty straightforward. I have obviously put together this strategy for you, Rod, that our best believe are going to achieve your goals and your objective. But at the end of the day, you know, they are just recommendations. It is completely up to you if you do wanna go ahead with it or not at the end of the day. Now this statement of advice as well is valid for sixty days.\n\nSo, you know, we obviously wanna get things sorted as soon as possible. You have a bit of time, though, to take your time to read over it. Any questions, let me know. But, otherwise, it will expire in sixty days. And you will also have my details listed on the on the cover page there for you.\n\nYou'll also have my license number listed as well, and I am licensed under OU Financial. Now if you wanna scroll to the second page for me, you will see a little section where it says best interest duty. Can you see that? It should be just after the cover page. You've no.\n\nYou can stay there. You have scrolled a little bit just two pages too far, but that's okay. You can stay there, essentially. Yes? No.\n\nYou should be able to just scroll scroll where you are right now in the attachment, in the the documents. So if you say scope of advice, that would be at the bottom, do you see page three on that page? Yes. Yes. So you wanna scroll up two pages for me, the heading should say this document and best interest duties just before the table of content.\n\nYep. Yep. No. That's okay. Now this here basically just outlines their best interest duty.\n\nAnd, essentially, what that means is that we have to act in your best interest at all time, and the advice itself has to put you in a better position as a result of the advice. Otherwise, we can't actually make the recommendations. Okay? Does that make sense? Yep.\n\nNow next page, table of content, pretty self explanatory. Everything we are going over today, so bear with me as I go through this with you, which then takes us to that page three scope of advice. Now if you do have any questions as as I go through it as well, just feel free to interrupt me and ask away. Yep. You can see that scope of advice now.\n\nYep. So, essentially, our main focus was to sort out your insurances. Sorry. Your superannuation. So, ultimately, you can retire ideally between 60 and 65 and draw that weekly income of about $1,000 per week, consolidate everything, and then maximize growth as much as possible for you in the interest.\n\nSo that's what we are focusing on today. Now the next thing is your insurances. That is page four. So having a look at your income protection and that total permanent disability to make sure that you do have protection in place if something were to happen to you. Now I haven't made a recommendation on trauma cover.\n\nLast time we spoke, you mentioned that you weren't really interested in trauma. It is a policy you have to pay for out of pocket, and you were trying to kind of minimize your out of pocket expenses. Does that all ring a bell? Yeah. Yeah.\n\nYes. Yes. Exactly. So I will go through all of the the insurances for you. So, basically, the next page is then you have page five.\n\nSo you can see the actual strategies listed in a table there for you, what we are looking at doing. But I'll go through these in details as we go through it for you. Now the next two pages are just some information about you. Could you just have a quick read over that for me just to make sure that's pretty up to date or if I need to make any changes in the back end for you? Pretty pretty good.\n\nYep. Perfect. Which then takes us through page eight. The heading says your current superannuation. Yep.\n\nSo as you can see here, you do have quite a few in super funds at the moment. You have, obviously, your Netwealth where you have the most amount of money. You also have your, brighter super. You have Asgard. You have HESTA and then, Australian Retirement Trust.\n\nNow at the moment, you can see all your balances there. So like you mentioned as well, has currently has about 451 in there, and then you see all the other balances listed there for you as well. Now underneath that is then your current insurance policy. So you have AIA insurance paid currently from Ascot. So that is a life insurance policy.\n\nDid you know about that one? Yeah. Yeah. So that is a live policy, and that's that will pay $8,816,098, and it is costing you 4,360 per year currently coming out of Ascot for that insurance policy that life insurance policy. Okay?\n\nNow underneath that as well, you will see your HESTA. So you have life insurance in HESTA as well, about 46,500. You have income protection as well. So like you mentioned, ninety day wait. It is a five year benefit period, but the monthly amount is only a thousand dollars.\n\nYes. So they would pay a thousand dollars a month for income replacement if something were to happen. You then also have your other income protection policy with Astron. So that one will pay you a monthly amount of 3,956. Now the waiting period, like you said as well, it is quite long.\n\nIt's seven hundred and thirty days. And exactly. Now the benefit period for that one is up to the age of 65. And yeah. So I have done research.\n\nYeah. And I have made a recommendation on that for you. As a suggestion, again, up to you what you wanna do, but I have made a recommendation on how to change it. Now, currently, you are paying 5,148 per year out of pocket for that policy. Okay?\n\nYes. Now the next two pages is a little bit of information in regards to your risk profile. Did you did you remember that kind of risk profile questionnaire we did, all those multiple choice questions on how you feel about risk and fluctuations and stuff. Yeah. So, essentially, you came out as a growth investor.\n\nAt the moment, you said you you are kind of happy seeing a little bit of fluctuation to try to maximize that growth for you, but you still want a little bit of a defensive portion as well. So we are looking about that 80% in your growth investment. So that is your Australian equity, your international equities, and property as well, and that is what's going to maximize those returns for you, and then about 20% in more defensive assets like your cash, your gold, and your fixed interest. So this just kind of gives you a little bit more information in regards to what that risk profile is for you. Now if you can then scroll to page 12 for me there, Rod, the heading should say strategy recommendations.\n\nPerfect. So I've done research on all your current super funds and which one is going to be the best for you and also alternatives. So, you know, making sure that the the superannuation that we are consolidating you to, if possible, is the one that is ultimately going to give you the best returns and put you in the best position for retirement. So after doing all of all of that, I do recommend that we consolidate into NatWest. So NatWest is the one that you currently have the most amount of money into.\n\nIt is the one that has the most flexibility with your investment so we can achieve more when it comes to your return. Now it is a little bit more expensive than some of the other super funds, but what we can do with the investment kind of outweigh that as well, which I will show you on the next couple of pages. Do you have any questions so far otherwise? Yep. Okay.\n\nPerfect. Now I did consider other options to Netwealth as well. There was one competitor that was pretty close. But because your Netwealth has grown quite a bit, which is great, if we wanted to change that, it would mean that you would have to pay a bit of capital gains tax on your earnings in net wealth, and, you know, the minimal saving in fee just wasn't worth it. But that's not to say, you know, it's always going to be the best option.\n\nWe always do research to make sure that, you know, the super funds that we recommend for you is the best one. You know, there is no tie to Netwealth or anything like that. It's just the one that's, at the moment, going to keep you in the best position. So this basically just kind of breaks breaks down all of that for you. Now on the next couple of pages, know it's quite wordy.\n\nA lot of it is the complaints, but it's also to make sure that you fully understand everything, is you will see a little table outlining the advantages in regards to the recommendation of consolidating your super and then the disadvantages and warnings to be mindful of as well. So as you can see, obviously, an advantage is it makes it a lot easier for you. Everything is in one place. It will grow your super the most. We're also updating your investments to try to improve the returns for you.\n\nYou are, by doing it, saving quite a bit in investment fees and But a downside by consolidating is that, obviously, in the process of transferring the money, so, obviously, you'll you'll sell down to cash. We will do all of that for you, transfer everything over. Know, there is a potential for a little bit of growth loss in that time frame. Tend to happen pretty quickly, but, obviously, something for you to be aware of as well. Yep.\n\nNow, again, as you kind of scroll through, you will see, you know, some warning and alternative. So a warning is that, you know, there is no guarantee what's going to happen to the investment. You know, we can't predict what is going to happen in the future, but that is also why when we are doing the research, we make sure we do extensive research to give you as much, you know, clarity as we can. You're following so far, Rod? Yeah.\n\nYep. I know. I noticed. It'll it'll makes more sense when I'll show you a table where it shows. This is just kind of like the wording just so you can have a read over it, make sure you understand everything.\n\nOn the next pages, so I am on page 15 at the moment. The heading says make a tax deductible concessional contribution interest surfer. Can you see that? Yes, please. It will be they had there should be a on page 15 on that statement of advice, it's a it's a blue heading, and it says at the top that Rods make a tax deductible.\n\nCan you see that? Yeah? Or what can you see? And I can kind of direct you through. Next one?\n\nYes. Yeah. It's kind of weird because the factors the actual pages on, like, the program you're using will factor in the cover page. But if you look at the bottom of the page, it's, like, one page off. Yeah.\n\nYeah. You're you're with me now? Yep. So you mentioned as well that you obviously want to start making contributions into superannuation to try to grow that for you because it's something you haven't really been doing. So we do wanna, you know, make sure we can do that for you.\n\nLast time, you mentioned that you're happy to start contributing about $200 a week as a starting point. Yep. So I have just shown you basically what that would look like. Now the way that you would do that, obviously, as being self employed, we would give you all the the documents on on how to do it is that because of, obviously, employment situation, you would typically make the contributions from your bank account. Like, you can do it straight bank account.\n\nNow because it's from your bank account, it's money that you've already paid tax on. So what we will then help you do is that because money in superannuation is only taxed at 15%. And at the moment, with your high income, you can be taxed up to that 45% and the medical levy. So, obviously, a lot more. So the way that we can do that for you is that you obviously make the contributions from your bank account.\n\nBut before the end of this financial year, we would help you in superannuation. It's just a form. We will basically help you kinda claim some of that tax back because you don't wanna be double taxed, and we wanna save a little bit because there is a concession by making that contribution into Superbump. It might sound a bit complex, but, essentially, by doing it, it just means that you will save a little bit and not having to pay tax on, you know, after tax money. It will be counted as pretax money for you.\n\nYep. Essentially, though, it would mean that you are making $200 per week into superannuation to grow that as much as possible. And if you can save a little bit on tax as well, that's also a good thing. Now that just outlines again for you the outcomes in regards to it. It will break it down in a little bit more because I know it's quite a lot to take in, you know, how it works with the taxing.\n\nSomething to be mindful of is the contribution cap. But you're trying to take advantage of, you know, the tax savings. There is a cap on 30,000 per year. So at the moment, doing $2,200 a week, you are well under that cap, so that's great. If anything changes, though, and you call me and you go, you know what?\n\nI wanna put more in, that's okay. Just call me. I'll do the math for you because we wanna make sure you don't exceed that amount if you do wanna save on tax. If you'd wanna do it after tax, there is yeah. It's it's a it's a lot more.\n\nSo there is plan there's plenty of space. But if for for some you know, something happens or, you know, you you win the lottery or something and you just go, hey. I wanna put a little bit more in. That's fine. Just call me first so I can I can do that math for you?\n\nYeah. Perfect. Obviously, at this advantage, to be mindful of that money that you put into superannuation, it will be locked in until you meet a condition of release. So that would be, for example, if you turn 60 and stop working or 65. So that's obviously kind of the downside, but the good thing is they then, you know, boost your superannuation and assist in your retirement savings.\n\nAny questions so far? None? Okay. Perfect. Now if you can then scroll through page page 17, the 17 of page number on the page, the heading should say recommended investment.\n\nYep. So this can be a little bit messy as well, so I'll kinda keep it easy for you. Essentially, the first table shows you your current investment. So you see Brighter Super, for example, you see you are a 100% invested in one of their options. You then have your Ascot.\n\nYou can see how you are invested in Ascot. You have HESTA, how you are invested in HESTA, and then you have your Australian Retirement Trust and how you are invested in there. And then you also have your network current portfolio listed. Now if you wanna then scroll through the next page, so page 19, the heading will say recommended investment. Yep?\n\nAgain, it it's a table that can look a little bit messy, but, essentially, I have made some recommendations on changing some of your investments. Now we still wanna keep everything in Netwealth. We still wanna keep your risk profile as your growth, but some of the investments in Netwealth, there there is one in particular, the Benelong Australian Equities has underperformed a little bit. So do we do wanna swap that one out to one that is doing a little bit better for you. So you can kind of see a few changes.\n\nSo the investment philosophy stays the same. The concept, everything stays the same. It is just changing some of your investments. So you can kind of see on this table how it's changing and then the target weight. But, essentially, to try to keep it as easy as I can for you, your foundation of your portfolio, which is, like, what we would call your core portfolio, those are kind of the investments that kind of form the the basis of portfolio.\n\nSo these are your biggest investments. So you will see, for example, the IHS S and P 500. Now that one is at 30%. You already have it in your current portfolio. It's doing really well.\n\nIt's just quietly just realigning it with you. But just for your reference, with that one single investment, it is invested in the 500 biggest companies listed in The US in just one of that. So, obviously, very diversified for you. But at the same time, we don't wanna just have you in one market or one sector, one industry. We wanna diversify things for you.\n\nSo we also have you can see 20% in beta health Australia 200. So that will give you the Australian equity exposure. We have you in a little bit of Europe, a little bit of Japan, and then a little bit around different investments around the world. And, again, that is just because we don't want to just concentrate it in one industry or or one area of the world. We wanna diversify things for you.\n\nBut then we also wanna have, you know, a little bit of that defensive proportion to kinda limit that for you a little bit. So we are still keeping gold as your defensive at 10%. It's done really well, so we wanna keep that for you. And then we have, you know, some fixed interest, a little bit of cybersecurity, and and stuff in there for you as well. So it's So it's fairly similar to what you were having in Netwealth.\n\nIt's just swapping out some that were kind of underperforming a little bit. The other option that's yes. Yes. No. That's just the no.\n\nThat's just what what we are swapping out. So that is just saying that we are selling those investments, and then you can see kind of at the bottom of there where it says buy, sell, and there's, like, a zero on the current. Those are what we then were buying into instead. Yeah. Just kind of showing you how it's changing, essentially.\n\nYep. Now the next page will show you the asset allocation. That is kind of talking about that growth portfolio. So portfolio. So like I mentioned, we're not changing it.\n\nWe're keeping that the same, about that eighty twenty split for you. But it just shows you that on on paper, essentially. Now what most people find the most interesting is then your page 21. Find the most interesting is then your page 21, which if you use the bottom page, now this can look quite messy. But this is the one that has the the table with all the numbers and everything like that for you.\n\nCan you see that? So this kind of sometimes makes it a bit more easier to understand. So what I have done is you will see your current situation and then the recommended. So the current situation is showing you your super funds at the moment now. So I could fit everything on the one page for you.\n\nI have done your current net worth, and then I've added up all your other super funds into the one section. This is trying to make it a little bit easier. So you have your net wealth and then all your other super funds. Now you will then see your current fees, so your administration fees and investment fees. Everything that you are currently paying are advised to fees in network for you, and then the insurances that you are currently paying from your other super funds.\n\nOkay. So super fund. So that will be your your HESTA and your AIA for Ascot. Okay? Now you then see at the bottom there where it says your free year rolling average.\n\nSo what I've done, I've calculated the portfolio return for all of them together, and that tells us that combined for all of them, your current portfolios has produced a three year rolling average, averaging it out over three years for you, of 12.9%. Okay? Now on the recommended side, you will then see the changes. So that is consolidating everything into Netwealth for you. Now I do wanna mention by consolidating everything into Netwealth and changing some of your investments, because your investments, you know, have have gone up, like I said, there will be a little bit of a capital gains tax in superannuation.\n\nSo by making the switch, there will be around 1,444, which is why you can see the difference listed there, and that is the tax on the investment because we are changing some of it. I'm trying to minimize it as much as possible by still making sure that we achieve a better return and reduce some of the administration fees. Now, obviously, that fee can change a little bit because it changes daily, but it's something I do wanna let you know that if we do make that change, there will be a little bit of that capital gains tax come out of your super. Okay? Now you can then also see the the the fees with Netwealth.\n\nSo by consolidating everything, you'll have the investment fees and administration fees. Now you'll also see the advice service fee. Now the percentage isn't changing. It's at 1.65. But because we are now managing more money, it's that's why the change is there.\n\nBecause it's a percentage of your super balance, but the percentage itself is not changing. Okay? Now you I'm I'm still I'm still no. That's okay. I'm still on page 20 one.\n\nYep. Now you will also see so if you can see can you see that three year rolling average again for me where it says 18 it's at 18.11%. So it's quite a big difference, which is really good. Yep. Now at the bottom of that page, you will then see where it says lump sum in three years and lump sum in eight years.\n\nYou can see that? Yep. So this is basically just projecting everything for you. So like I said earlier, the recommendation that we do has to put you in a better position overall. So it factors in insurances.\n\nIt factors in adviser fees. It factors in the tax, all the changes as well as the change in your investment, and you can then see the kind of estimated change. So looking at the difference between both the the three years and the eight years, you can see that it still will put you in a better position by making that change. Okay? Yep.\n\nAny questions so far, Ward? No? Okay. Perfect. Now I have included on the next page, so that is page 22 where it says retirement income calculation for you.\n\nCan you see that? Yeah. So that is just to show you because I know you mentioned that you, you know, think that you probably have to work through about age 65. 60 would be great. So I have included both of that for you.\n\nNow, again, it can be a little bit messy here, but the first table here shows you that if you retire at age 60, you won't really achieve your goal of being able to draw about 52,000 a year. Now age pension, if you are eligible for it, won't kick in until 67. So that's why kind of the change in the color. So the black is money you take from your super, and then the blue is potential age pension. Okay?\n\nSo if you then look at age 65, it's quite a big difference. So at age 60 five, if, you know, everything kind of stays the same, you keep making the contributions, everything stays the same, it will then show you here that you, you know, you are on track to be able to draw that thousand dollars per week. So that black shows you you see the line at the top where it says the 50,000? That is at 52. So that shows you that you can take that 52,000 a year at 65.\n\nAnd then at 67, it can then be supplemented by potential age pension, and it will then your would then potentially run out at around 92, and then it will be age pension. So, obviously, it lasts a lot longer for you. Yep. Now any other questions before I move on to the insurances there for you? No?\n\nYep. Perfect. So the next page, page 23, heading says, Rod, retain your existing income protection. Can you see that? Yep.\n\nSo I did have a look. So I went and spoke to all the insurers out there to see if I could find another income protection policy for you. I know you mentioned that you feel that, obviously, the two year waiting period is very long, and it is quite long. So I would've spoke to all the insurers out there and see what they said and which one would offer. Yes.\n\nYeah. Yeah. Yeah. Yes. Yep.\n\nYeah. And that's yes. And, you know, as well to make because we can I can obviously do that research for you? So if you ever wanna change anything, you know, you can always just give me a call and say, hey. I want to do this.\n\nCan I do it? What should I do? We're here to help you with it as well because it can be really messy and confusing. And I thought that's probably why you do have that two year waiting period because that's typically the only way we would see that long one is if you do have another one to supplement it. Yeah.\n\nYeah. A lot of them are the the HESTA one would be your, like, your default one. They just kind of set it up for you without you having to do anything. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nThat's not good. And that sometimes, you know, can happen with those industry funds as well. You don't always get a lot of communication with things. Yeah. And, you know, that's that's not good, and we wanna obviously help you with that to make sure that doesn't happen.\n\nBut with your income protection, like I said, I spoke to all the insurers out there. And because of your occupation at the moment, they are all saying that you won't be able to get another policy because they think it's too risky on occupation. So that kind of limits what we can do with income protection. So at the moment, we won't be able to take up a new one. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Yep.\n\nYeah. Yeah. Yeah. Yeah. Yep.\n\nYeah. Yeah. Yes. Yeah. So the good thing is that I have found a policy for total permanent disability, which is good.\n\nBut with income protection, first, I there is no one that is, at the moment, willing to offer cover based on your occupation. So I can't get you a new policy, but what I have been able to do for you anyway is, like you said, it's quite expensive at the moment. So I have spoken to Astrum, and I have got a quote to change the benefit period. So instead of it being to age 65, reduce it to five years. And it's still the same waiting period.\n\nWe can't change that. But by changing the benefit period, you can see that the monthly premium, you know, almost half. So it does make it a lot cheaper. Now, ultimately, it is up to you if you do wanna keep it or not. But just be mindful that if you do wanna cancel it at the moment, there's no other insurance that is willing to offer cover for income protection.\n\nSo that would mean that you you won't have it. Yeah. So this is income protection is if you are temporarily unable to work. Yeah. That's this one.\n\nYes. So yes. Yes. So it's it's a little bit so it's it's an income protection. So it is temporary disability.\n\nThat is if you are temporarily unable to work. So that is true. At the moment, it is up to age 65 if you can't work, but it is, like you said, costing you a bit. Now because you do have a two year waiting period as well, basically, by reducing it to five years, really, there's only a year difference. Because if you have a five year benefit period, but you have to wait two years until that kicks in, that gives you seven years, and it's almost eight years until '65.\n\nSo if something were to happen tomorrow, the other the one that you currently have, you'd only be basically be utilizing for up to eight years, but, obviously, costing a lot more. Does that make sense? Yeah. Yeah. Yeah.\n\nYeah. Yeah. And, ultimately, if you feel like that, if you tell me, do you know what? I don't wanna keep it. I wanna cancel it.\n\nThat's fine. It is ultimately up to you. I just obviously want you to be aware that if we cancel it, at the moment, we can't get you another income protection. So that would mean that","paragraphs":[{"sentences":[{"text":"Good morning, Rob.","start":2.8,"end":3.6,"sentiment":"positive","sentiment_score":0.43044836322466534},{"text":"This is Veronica from Oakview Financial.","start":3.6,"end":5.54,"sentiment":"positive","sentiment_score":0.3575480779012044},{"text":"How are you this morning?","start":5.6,"end":6.74,"sentiment":"neutral","sentiment_score":0.3231705963611603},{"text":"Just so bad.","start":8.4,"end":9.38,"sentiment":"neutral","sentiment_score":0.07842613756656645},{"text":"Yeah.","start":9.599999,"end":9.92,"sentiment":"neutral","sentiment_score":0.3033798933029175}],"sentiment":"neutral","sentiment_score":0.31061915804942447,"num_words":18,"start":2.8,"end":9.92},{"sentences":[{"text":"I'm well.","start":9.92,"end":10.559999,"sentiment":"positive","sentiment_score":0.4549197256565094},{"text":"Thank you.","start":10.559999,"end":11.38,"sentiment":"positive","sentiment_score":0.708045482635498},{"text":"I had you booked in to go over your strategy recommendations with you.","start":12.4,"end":16.185,"sentiment":"positive","sentiment_score":0.35062949703289914},{"text":"Is now still a good time?","start":16.244999,"end":17.625,"sentiment":"neutral","sentiment_score":0.23398817082246146},{"text":"Yeah.","start":19.685,"end":20.005,"sentiment":"neutral","sentiment_score":0.1917816996574402}],"sentiment":"positive","sentiment_score":0.35332602510849637,"num_words":24,"start":9.92,"end":20.005},{"sentences":[{"text":"Alright.","start":20.005,"end":20.485,"sentiment":"neutral","sentiment_score":0.23317238688468933},{"text":"I will try to keep it quick for you.","start":20.485,"end":22.904999,"sentiment":"positive","sentiment_score":0.33855446179707843},{"text":"Now just before I go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay with you.","start":23.525,"end":31.199999,"sentiment":"neutral","sentiment_score":0.04896694601823886},{"text":"Yep.","start":32.219997,"end":32.62,"sentiment":"neutral","sentiment_score":0.07283040136098862},{"text":"Perfect.","start":32.62,"end":33.12,"sentiment":"neutral","sentiment_score":0.12500011920928955}],"sentiment":"neutral","sentiment_score":0.11778574867085331,"num_words":42,"start":20.005,"end":33.12},{"sentences":[{"text":"And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please?","start":33.66,"end":45.934998,"sentiment":"neutral","sentiment_score":0.041027603670954704},{"text":"Yep.","start":47.675,"end":48.175,"sentiment":"neutral","sentiment_score":0.014562984928488731},{"text":"Yep.","start":57.870003,"end":58.11,"sentiment":"neutral","sentiment_score":0.0136932460591197},{"text":"No.","start":58.11,"end":58.27,"sentiment":"neutral","sentiment_score":-0.047132059931755066},{"text":"That's it.","start":58.27,"end":59.010002,"sentiment":"neutral","sentiment_score":-0.05908834747970105}],"sentiment":"neutral","sentiment_score":0.02998919908197657,"num_words":31,"start":33.66,"end":59.010002},{"sentences":[{"text":"That's everything.","start":59.23,"end":60.050003,"sentiment":"neutral","sentiment_score":0.06974645517766476},{"text":"Thank you so much for that.","start":60.99,"end":62.61,"sentiment":"positive","sentiment_score":0.6202581723531088},{"text":"Now do you have access to your emails at the moment?","start":62.670002,"end":66.93,"sentiment":"neutral","sentiment_score":0.07396823167800903},{"text":"If you yeah?","start":69.71,"end":72.645,"sentiment":"neutral","sentiment_score":-0.0016834357132514317},{"text":"If you, yeah, if you quit, that would be good because what I'm doing is I'm just sending you an email right now with the the SOA to go through with you.","start":77.424995,"end":88.72,"sentiment":"neutral","sentiment_score":0.14342148590367287}],"sentiment":"neutral","sentiment_score":0.17146536545758997,"num_words":54,"start":59.23,"end":88.72},{"sentences":[{"text":"And because there are a couple of things.","start":88.72,"end":90.42,"sentiment":"neutral","sentiment_score":0.1934448890388012},{"text":"It does make it easier for you if you can get it up at the same time even if it's just on your phone.","start":90.64,"end":96.42,"sentiment":"neutral","sentiment_score":0.2091721330458919},{"text":"But if you can't, I can always run through it with you, and then you can have a look through it later.","start":96.56,"end":100.945,"sentiment":"neutral","sentiment_score":0.13239981200207362},{"text":"It is up to you.","start":101.645004,"end":102.865005,"sentiment":"neutral","sentiment_score":0.14206787347793579},{"text":"It's like that sometimes.","start":116.689995,"end":117.75,"sentiment":"neutral","sentiment_score":-0.26571235060691833}],"sentiment":"neutral","sentiment_score":0.14488851007014986,"num_words":63,"start":88.72,"end":117.75},{"sentences":[{"text":"Okay.","start":138.94499,"end":139.265,"sentiment":"neutral","sentiment_score":0.14619792997837067},{"text":"Yep.","start":139.265,"end":139.665,"sentiment":"neutral","sentiment_score":0.2582082450389862},{"text":"Take your time.","start":139.665,"end":141.16,"sentiment":"positive","sentiment_score":0.34782185157140094},{"text":"I have just sent it to you, so it might take a couple of minutes anyway.","start":141.16,"end":145.24,"sentiment":"positive","sentiment_score":0.34316680394113064},{"text":"So see how you go.","start":145.24,"end":146.45999,"sentiment":"positive","sentiment_score":0.33475292921066285}],"sentiment":"neutral","sentiment_score":0.33124250918626785,"num_words":26,"start":138.94499,"end":146.45999},{"sentences":[{"text":"And like I said, if you can't, I can always run through it with you.","start":147.08,"end":150.62,"sentiment":"neutral","sentiment_score":0.21639151473840076},{"text":"Yeah.","start":154.2,"end":154.695,"sentiment":"neutral","sentiment_score":0.12804149091243744},{"text":"Yes.","start":159.65501,"end":159.975,"sentiment":"neutral","sentiment_score":0.06680598855018616},{"text":"Yes.","start":159.975,"end":160.475,"sentiment":"neutral","sentiment_score":0.04831135272979736},{"text":"So we have recently changed over to a new software, so it might look a little bit different than usual.","start":160.93501,"end":166.71501,"sentiment":"neutral","sentiment_score":-0.006518420856446027}],"sentiment":"neutral","sentiment_score":0.08838587200367137,"num_words":38,"start":147.08,"end":166.71501},{"sentences":[{"text":"Essentially, before you click on the link, you will see that there are a number of attachments if you scroll down in the email.","start":167.735,"end":175.32,"sentiment":"neutral","sentiment_score":0.003585512012553712},{"text":"Can you see those?","start":177.38,"end":178.44,"sentiment":"neutral","sentiment_score":-0.006461904849857092},{"text":"Yes.","start":187.16501,"end":187.66501,"sentiment":"neutral","sentiment_score":-0.09150449931621552},{"text":"Yes.","start":193.005,"end":193.405,"sentiment":"neutral","sentiment_score":0.0099509097635746},{"text":"Yeah.","start":193.405,"end":193.725,"sentiment":"neutral","sentiment_score":0.0077559445053339005}],"sentiment":"neutral","sentiment_score":-0.0004384831014660097,"num_words":31,"start":167.735,"end":193.725},{"sentences":[{"text":"I can hear you, Rod.","start":193.725,"end":194.52501,"sentiment":"neutral","sentiment_score":-0.007278941944241524},{"text":"Can you hear me?","start":194.52501,"end":195.425,"sentiment":"neutral","sentiment_score":-0.019964491482824087},{"text":"Okay.","start":198.765,"end":199.08,"sentiment":"neutral","sentiment_score":0.021567020565271378},{"text":"That's okay.","start":200.92,"end":201.72,"sentiment":"neutral","sentiment_score":0.03965340368449688},{"text":"I was wondering.","start":201.72,"end":202.46,"sentiment":"neutral","sentiment_score":-0.04110187912980715}],"sentiment":"neutral","sentiment_score":-0.009245632340510686,"num_words":15,"start":193.725,"end":202.46},{"sentences":[{"text":"No.","start":206.36,"end":206.6,"sentiment":"neutral","sentiment_score":-0.1243109181523323},{"text":"That's okay.","start":206.6,"end":207.34,"sentiment":"neutral","sentiment_score":-0.02141927368938923},{"text":"Can you see those attachments there?","start":209.96,"end":212.35501,"sentiment":"neutral","sentiment_score":0.038367235412200294},{"text":"So before you click on the link, there will be a couple of attachments.","start":212.35501,"end":216.195,"sentiment":"neutral","sentiment_score":0.03895915339567831},{"text":"You don't have to open all of them.","start":216.195,"end":217.815,"sentiment":"neutral","sentiment_score":0.022258221870288253}],"sentiment":"neutral","sentiment_score":0.02537251191754495,"num_words":31,"start":206.36,"end":217.815},{"sentences":[{"text":"But can you see that there are a number of attachments there in the email for you?","start":218.115,"end":222.535,"sentiment":"neutral","sentiment_score":0.04623118371647947},{"text":"Yes.","start":226.675,"end":226.89,"sentiment":"neutral","sentiment_score":0.03358033299446106},{"text":"Yes.","start":226.89,"end":227.39,"sentiment":"neutral","sentiment_score":0.02931624092161655},{"text":"Yes.","start":227.53,"end":228.03,"sentiment":"neutral","sentiment_score":0.03409252688288689},{"text":"Yep.","start":236.09,"end":236.56999,"sentiment":"neutral","sentiment_score":0.05311651527881622}],"sentiment":"neutral","sentiment_score":0.04457313044085389,"num_words":21,"start":218.115,"end":236.56999},{"sentences":[{"text":"Yes.","start":236.56999,"end":237.06999,"sentiment":"neutral","sentiment_score":0.04832429438829422},{"text":"Yes.","start":238.33,"end":238.65,"sentiment":"neutral","sentiment_score":0.04499278217554093},{"text":"If you can click on one for me, the state the statement of advice.","start":238.65,"end":243.315,"sentiment":"neutral","sentiment_score":0.01882577348234398},{"text":"Yep.","start":254.575,"end":254.895,"sentiment":"neutral","sentiment_score":0.08100995421409607},{"text":"Can you see that okay now?","start":254.895,"end":256.34,"sentiment":"neutral","sentiment_score":0.07785831888516744}],"sentiment":"neutral","sentiment_score":0.039349468384423984,"num_words":23,"start":236.56999,"end":256.34},{"sentences":[{"text":"Yeah.","start":257.52,"end":258.0,"sentiment":"neutral","sentiment_score":0.007762746419757605},{"text":"So I'll just go through it here with you because it's easier for you as well.","start":258.0,"end":262.02,"sentiment":"positive","sentiment_score":0.4517019037157297},{"text":"You can see everything.","start":262.16,"end":263.54,"sentiment":"neutral","sentiment_score":0.29640907049179077},{"text":"Now this is basically the document that contains the recommendations I'm going through.","start":263.76,"end":269.08502,"sentiment":"neutral","sentiment_score":0.22632503051024216},{"text":"So this is the important one.","start":269.08502,"end":270.70502,"sentiment":"neutral","sentiment_score":0.2509018952647845}],"sentiment":"neutral","sentiment_score":0.3217066564015113,"num_words":40,"start":257.52,"end":270.70502},{"sentences":[{"text":"Now the other attachments that was there, a lot of it is for research and to show you, obviously, backing up the recommendations, that information about the insurance policy, and an updated financial services guide and mainly a lot of the research is there for you.","start":270.92502,"end":290.53,"sentiment":"neutral","sentiment_score":0.22177884096036787},{"text":"So if you click on the link later, it will then those are the documents that needs signing.","start":290.75,"end":297.225,"sentiment":"neutral","sentiment_score":0.13313379097316},{"text":"But before that, I'll just go through the actual statement of advice here with you, obviously, to make sure you're happy with everything before we kind of, you know, see if we wanna do that further.","start":297.225,"end":306.585,"sentiment":"neutral","sentiment_score":0.05077294508616129},{"text":"Okay?","start":306.585,"end":307.085,"sentiment":"neutral","sentiment_score":0.05211440101265907},{"text":"Yep.","start":308.505,"end":309.005,"sentiment":"neutral","sentiment_score":0.09606480598449708}],"sentiment":"neutral","sentiment_score":0.1428847073705173,"num_words":102,"start":270.92502,"end":309.005},{"sentences":[{"text":"So as you can see here on the the front page, the the purpose of, obviously, everything today is to try to get all your supers consolidated, start contributing to super for you, and then sorting out your insurances.","start":309.625,"end":323.77502,"sentiment":"neutral","sentiment_score":0.22282696515321732},{"text":"Because at the moment, you do have quite a few super funds, and we will now obviously tryna streamline that as much as we can for you.","start":323.77502,"end":331.155,"sentiment":"neutral","sentiment_score":0.22913492774521863},{"text":"And you're in that position where your money's gonna grow the most.","start":331.21503,"end":334.67502,"sentiment":"neutral","sentiment_score":0.11294043778131406},{"text":"Yes.","start":346.53,"end":347.03,"sentiment":"neutral","sentiment_score":-0.01838747039437294},{"text":"Yes.","start":350.21002,"end":350.61002,"sentiment":"neutral","sentiment_score":0.02208450809121132}],"sentiment":"neutral","sentiment_score":0.20294846226461233,"num_words":80,"start":309.625,"end":350.61002},{"sentences":[{"text":"Exactly.","start":350.61002,"end":351.11002,"sentiment":"neutral","sentiment_score":-0.005125205032527447},{"text":"Caden?","start":354.685,"end":355.185,"sentiment":"neutral","sentiment_score":-0.06324700266122818},{"text":"Yeah.","start":356.76498,"end":357.26498,"sentiment":"neutral","sentiment_score":-0.04313809424638748},{"text":"Do you do you know when when they told you that it will be canceled?","start":357.645,"end":361.405,"sentiment":"neutral","sentiment_score":-0.13028909564018248},{"text":"Just so I know the time frame roughly or not sure.","start":361.405,"end":364.40002,"sentiment":"neutral","sentiment_score":-0.15963700549169021}],"sentiment":"neutral","sentiment_score":-0.13178806196384388,"num_words":29,"start":350.61002,"end":364.40002},{"sentences":[{"text":"Okay.","start":368.14,"end":368.64,"sentiment":"neutral","sentiment_score":-0.06715939939022064},{"text":"Well, we wanna obviously make yeah.","start":368.7,"end":371.36002,"sentiment":"neutral","sentiment_score":-0.1950744166970253},{"text":"Exactly.","start":372.86002,"end":373.36002,"sentiment":"neutral","sentiment_score":-0.09432424604892732},{"text":"Yep.","start":379.955,"end":380.455,"sentiment":"negative","sentiment_score":-0.4168158769607544},{"text":"Yes.","start":381.955,"end":382.455,"sentiment":"negative","sentiment_score":-0.4185448884963989}],"sentiment":"neutral","sentiment_score":-0.2167290911078453,"num_words":10,"start":368.14,"end":382.455},{"sentences":[{"text":"Yeah.","start":387.79498,"end":388.29498,"sentiment":"neutral","sentiment_score":-0.11062057316303252},{"text":"Well, that's their purpose today is to get everything sorted.","start":388.35498,"end":390.835,"sentiment":"neutral","sentiment_score":0.23094617612659932},{"text":"Now I will just flag that as well because we wanna make we sort your insurances out before that.","start":390.835,"end":396.41,"sentiment":"neutral","sentiment_score":0.24536216023721194},{"text":"But I have done a recommendation in regards to all your insurances as well.","start":396.41,"end":399.87003,"sentiment":"neutral","sentiment_score":0.31269464216062},{"text":"So we will go through everything here.","start":400.33002,"end":402.91,"sentiment":"positive","sentiment_score":0.3962049058505467}],"sentiment":"neutral","sentiment_score":0.2747427757610293,"num_words":51,"start":387.79498,"end":402.91},{"sentences":[{"text":"I'll try to get quick for you, but, essentially, the cover page, obviously, pretty straightforward.","start":403.61002,"end":408.27002,"sentiment":"positive","sentiment_score":0.3835724691549937},{"text":"I have obviously put together this strategy for you, Rod, that our best believe are going to achieve your goals and your objective.","start":409.195,"end":416.415,"sentiment":"positive","sentiment_score":0.6795184767764547},{"text":"But at the end of the day, you know, they are just recommendations.","start":416.875,"end":419.375,"sentiment":"neutral","sentiment_score":0.16765337322766966},{"text":"It is completely up to you if you do wanna go ahead with it or not at the end of the day.","start":419.755,"end":426.62,"sentiment":"neutral","sentiment_score":0.22172914987260645},{"text":"Now this statement of advice as well is valid for sixty days.","start":426.62,"end":431.12,"sentiment":"neutral","sentiment_score":0.251954418917497}],"sentiment":"positive","sentiment_score":0.3701588256394162,"num_words":85,"start":403.61002,"end":431.12},{"sentences":[{"text":"So, you know, we obviously wanna get things sorted as soon as possible.","start":431.34,"end":434.4,"sentiment":"positive","sentiment_score":0.4678382735985976},{"text":"You have a bit of time, though, to take your time to read over it.","start":434.46,"end":437.85498,"sentiment":"neutral","sentiment_score":0.08852651317914327},{"text":"Any questions, let me know.","start":438.155,"end":439.85498,"sentiment":"neutral","sentiment_score":0.042348678410053256},{"text":"But, otherwise, it will expire in sixty days.","start":440.155,"end":442.81497,"sentiment":"neutral","sentiment_score":-0.04727453785017133},{"text":"And you will also have my details listed on the on the cover page there for you.","start":444.31497,"end":448.555,"sentiment":"neutral","sentiment_score":0.14406864870997035}],"sentiment":"neutral","sentiment_score":0.16711223054805707,"num_words":58,"start":431.34,"end":448.555},{"sentences":[{"text":"You'll also have my license number listed as well, and I am licensed under OU Financial.","start":448.555,"end":454.09998,"sentiment":"neutral","sentiment_score":0.10892723593860865},{"text":"Now if you wanna scroll to the second page for me, you will see a little section where it says best interest duty.","start":456.0,"end":462.0,"sentiment":"neutral","sentiment_score":0.03233526549909426},{"text":"Can you see that?","start":462.0,"end":466.615,"sentiment":"neutral","sentiment_score":0.019419442396610975},{"text":"It should be just after the cover page.","start":466.615,"end":468.955,"sentiment":"neutral","sentiment_score":0.016962385270744562},{"text":"You've no.","start":475.495,"end":477.495,"sentiment":"neutral","sentiment_score":-0.03845934849232435}],"sentiment":"neutral","sentiment_score":0.04949066106159732,"num_words":53,"start":448.555,"end":477.495},{"sentences":[{"text":"You can stay there.","start":477.495,"end":478.35,"sentiment":"neutral","sentiment_score":-0.03872924391180277},{"text":"You have scrolled a little bit just two pages too far, but that's okay.","start":478.75,"end":482.51,"sentiment":"neutral","sentiment_score":-0.043414123090250153},{"text":"You can stay there, essentially.","start":482.51,"end":483.89,"sentiment":"neutral","sentiment_score":0.05449248775839806},{"text":"Yes?","start":486.27002,"end":486.77002,"sentiment":"neutral","sentiment_score":0.01618538424372673},{"text":"No.","start":491.91498,"end":492.07498,"sentiment":"neutral","sentiment_score":-0.08211694657802582}],"sentiment":"neutral","sentiment_score":-0.02224735289812088,"num_words":25,"start":477.495,"end":492.07498},{"sentences":[{"text":"You should be able to just scroll scroll where you are right now in the attachment, in the the documents.","start":492.07498,"end":498.175,"sentiment":"neutral","sentiment_score":0.02699177684262395},{"text":"So if you say scope of advice, that would be at the bottom, do you see page three on that page?","start":498.475,"end":504.41498,"sentiment":"neutral","sentiment_score":0.020747828009050517},{"text":"Yes.","start":505.91498,"end":506.41498,"sentiment":"neutral","sentiment_score":0.07961522042751312},{"text":"Yes.","start":506.955,"end":507.435,"sentiment":"neutral","sentiment_score":0.10479357838630676},{"text":"So you wanna scroll up two pages for me, the heading should say this document and best interest duties just before the table of content.","start":507.435,"end":518.62,"sentiment":"neutral","sentiment_score":0.09578517824411392}],"sentiment":"neutral","sentiment_score":0.05227320852881188,"num_words":68,"start":492.07498,"end":518.62},{"sentences":[{"text":"Yep.","start":520.6,"end":521.08,"sentiment":"neutral","sentiment_score":0.051794346421957016},{"text":"Yep.","start":521.08,"end":521.58,"sentiment":"neutral","sentiment_score":0.012848500162363052},{"text":"No.","start":522.29504,"end":522.53503,"sentiment":"neutral","sentiment_score":-0.15464085340499878},{"text":"That's okay.","start":522.53503,"end":523.35504,"sentiment":"neutral","sentiment_score":0.037740081548690796},{"text":"Now this here basically just outlines their best interest duty.","start":524.375,"end":527.99506,"sentiment":"neutral","sentiment_score":0.1724204070866108}],"sentiment":"neutral","sentiment_score":0.11397908180952072,"num_words":15,"start":520.6,"end":527.99506},{"sentences":[{"text":"And, essentially, what that means is that we have to act in your best interest at all time, and the advice itself has to put you in a better position as a result of the advice.","start":528.455,"end":538.79004,"sentiment":"neutral","sentiment_score":0.2535244942539268},{"text":"Otherwise, we can't actually make the recommendations.","start":539.01,"end":541.27,"sentiment":"neutral","sentiment_score":-0.2632452015365873},{"text":"Okay?","start":541.65,"end":542.15,"sentiment":"neutral","sentiment_score":0.038141880184412},{"text":"Does that make sense?","start":543.89,"end":544.95,"sentiment":"neutral","sentiment_score":0.06822161003947258},{"text":"Yep.","start":545.09,"end":545.59,"sentiment":"neutral","sentiment_score":0.07817674428224564}],"sentiment":"neutral","sentiment_score":0.15659939687775107,"num_words":49,"start":528.455,"end":545.59},{"sentences":[{"text":"Now next page, table of content, pretty self explanatory.","start":546.77,"end":550.755,"sentiment":"neutral","sentiment_score":0.15658822738462025},{"text":"Everything we are going over today, so bear with me as I go through this with you, which then takes us to that page three scope of advice.","start":551.615,"end":561.875,"sentiment":"neutral","sentiment_score":0.19458541859473502},{"text":"Now if you do have any questions as as I go through it as well, just feel free to interrupt me and ask away.","start":562.095,"end":566.61,"sentiment":"neutral","sentiment_score":0.03570110506067673},{"text":"Yep.","start":568.11,"end":568.61,"sentiment":"neutral","sentiment_score":0.1315125823020935},{"text":"You can see that scope of advice now.","start":568.75,"end":570.93,"sentiment":"neutral","sentiment_score":0.13996646273881197}],"sentiment":"neutral","sentiment_score":0.12808223675404276,"num_words":70,"start":546.77,"end":570.93},{"sentences":[{"text":"Yep.","start":574.11,"end":574.61,"sentiment":"neutral","sentiment_score":0.0942450910806656},{"text":"So, essentially, our main focus was to sort out your insurances.","start":574.91,"end":578.52997,"sentiment":"neutral","sentiment_score":0.10147016766396436},{"text":"Sorry.","start":579.365,"end":579.605,"sentiment":"neutral","sentiment_score":-0.16388759016990662},{"text":"Your superannuation.","start":579.605,"end":580.425,"sentiment":"neutral","sentiment_score":-0.11629121005535126},{"text":"So, ultimately, you can retire ideally between 60 and 65 and draw that weekly income of about $1,000 per week, consolidate everything, and then maximize growth as much as possible for you in the interest.","start":581.525,"end":596.0,"sentiment":"neutral","sentiment_score":0.3043164014816284}],"sentiment":"neutral","sentiment_score":0.22930041953921318,"num_words":50,"start":574.11,"end":596.0},{"sentences":[{"text":"So that's what we are focusing on today.","start":596.78,"end":599.36,"sentiment":"neutral","sentiment_score":0.2036697044968605},{"text":"Now the next thing is your insurances.","start":600.06,"end":604.96,"sentiment":"neutral","sentiment_score":0.11062959049429212},{"text":"That is page four.","start":605.5,"end":607.12,"sentiment":"neutral","sentiment_score":0.08675018139183521},{"text":"So having a look at your income protection and that total permanent disability to make sure that you do have protection in place if something were to happen to you.","start":607.74,"end":616.455,"sentiment":"neutral","sentiment_score":0.09281860540310542},{"text":"Now I haven't made a recommendation on trauma cover.","start":617.635,"end":620.755,"sentiment":"neutral","sentiment_score":-0.2566271002093951}],"sentiment":"neutral","sentiment_score":0.05561516819329097,"num_words":58,"start":596.78,"end":620.755},{"sentences":[{"text":"Last time we spoke, you mentioned that you weren't really interested in trauma.","start":620.755,"end":624.88,"sentiment":"negative","sentiment_score":-0.36810369674976057},{"text":"It is a policy you have to pay for out of pocket, and you were trying to kind of minimize your out of pocket expenses.","start":624.94,"end":630.56,"sentiment":"neutral","sentiment_score":-0.20546426773071289},{"text":"Does that all ring a bell?","start":630.7,"end":632.32,"sentiment":"neutral","sentiment_score":-0.14369719723860422},{"text":"Yeah.","start":634.22003,"end":634.425,"sentiment":"neutral","sentiment_score":-0.04698672145605087},{"text":"Yeah.","start":640.345,"end":640.845,"sentiment":"neutral","sentiment_score":-0.05013647302985191}],"sentiment":"neutral","sentiment_score":-0.23654915497678777,"num_words":46,"start":620.755,"end":640.845},{"sentences":[{"text":"Yes.","start":643.945,"end":644.445,"sentiment":"neutral","sentiment_score":0.03647427260875702},{"text":"Yes.","start":648.58496,"end":649.08496,"sentiment":"neutral","sentiment_score":0.18287402391433716},{"text":"Exactly.","start":649.56995,"end":650.06995,"sentiment":"neutral","sentiment_score":0.2275870144367218},{"text":"So I will go through all of the the insurances for you.","start":650.37,"end":655.02997,"sentiment":"neutral","sentiment_score":0.17977038522561392},{"text":"So, basically, the next page is then you have page five.","start":655.17,"end":658.62994,"sentiment":"neutral","sentiment_score":0.12941981716589493}],"sentiment":"neutral","sentiment_score":0.15491530471123183,"num_words":26,"start":643.945,"end":658.62994},{"sentences":[{"text":"So you can see the actual strategies listed in a table there for you, what we are looking at doing.","start":659.49,"end":666.695,"sentiment":"neutral","sentiment_score":0.17671287134289743},{"text":"But I'll go through these in details as we go through it for you.","start":666.695,"end":670.155,"sentiment":"neutral","sentiment_score":0.17874812654086522},{"text":"Now the next two pages are just some information about you.","start":672.695,"end":677.01,"sentiment":"neutral","sentiment_score":0.09685712104493921},{"text":"Could you just have a quick read over that for me just to make sure that's pretty up to date or if I need to make any changes in the back end for you?","start":677.49,"end":685.35004,"sentiment":"neutral","sentiment_score":0.10072950974983327},{"text":"Pretty pretty good.","start":690.53,"end":691.49,"sentiment":"positive","sentiment_score":0.6078999042510986}],"sentiment":"neutral","sentiment_score":0.1506178362703905,"num_words":82,"start":659.49,"end":691.49},{"sentences":[{"text":"Yep.","start":691.49,"end":691.99,"sentiment":"positive","sentiment_score":0.3523014187812805},{"text":"Perfect.","start":692.29004,"end":692.775,"sentiment":"positive","sentiment_score":0.4240882396697998},{"text":"Which then takes us through page eight.","start":693.97504,"end":696.79504,"sentiment":"neutral","sentiment_score":0.10255478269287518},{"text":"The heading says your current superannuation.","start":697.41504,"end":699.755,"sentiment":"neutral","sentiment_score":0.041415719936291374},{"text":"Yep.","start":703.255,"end":703.755,"sentiment":"neutral","sentiment_score":0.0857682079076767}],"sentiment":"neutral","sentiment_score":0.11428347905166447,"num_words":16,"start":691.49,"end":703.755},{"sentences":[{"text":"So as you can see here, you do have quite a few in super funds at the moment.","start":703.97504,"end":707.995,"sentiment":"neutral","sentiment_score":0.11419482115242216},{"text":"You have, obviously, your Netwealth where you have the most amount of money.","start":708.215,"end":711.65,"sentiment":"neutral","sentiment_score":0.16143695551615495},{"text":"You also have your, brighter super.","start":711.71,"end":714.51,"sentiment":"neutral","sentiment_score":0.1953358625372251},{"text":"You have Asgard.","start":714.51,"end":715.57,"sentiment":"neutral","sentiment_score":0.10439534733692805},{"text":"You have HESTA and then, Australian Retirement Trust.","start":715.95,"end":720.77,"sentiment":"neutral","sentiment_score":0.07256426988169551}],"sentiment":"neutral","sentiment_score":0.12958130372377732,"num_words":48,"start":703.97504,"end":720.77},{"sentences":[{"text":"Now at the moment, you can see all your balances there.","start":721.15,"end":725.59503,"sentiment":"neutral","sentiment_score":0.032100141387094154},{"text":"So like you mentioned as well, has currently has about 451 in there, and then you see all the other balances listed there for you as well.","start":725.59503,"end":734.09503,"sentiment":"neutral","sentiment_score":0.05413077799258409},{"text":"Now underneath that is then your current insurance policy.","start":734.955,"end":739.65,"sentiment":"neutral","sentiment_score":0.008473916807108454},{"text":"So you have AIA insurance paid currently from Ascot.","start":740.11,"end":745.65,"sentiment":"neutral","sentiment_score":0.010807610013418727},{"text":"So that is a life insurance policy.","start":746.43,"end":748.43,"sentiment":"neutral","sentiment_score":0.010612435106720244}],"sentiment":"neutral","sentiment_score":0.032737354733168134,"num_words":63,"start":721.15,"end":748.43},{"sentences":[{"text":"Did you know about that one?","start":748.43,"end":749.81,"sentiment":"neutral","sentiment_score":-0.003379371017217636},{"text":"Yeah.","start":752.27,"end":752.715,"sentiment":"neutral","sentiment_score":0.04657899588346481},{"text":"Yeah.","start":753.835,"end":754.335,"sentiment":"neutral","sentiment_score":0.06919030845165253},{"text":"So that is a live policy, and that's that will pay $8,816,098, and it is costing you 4,360 per year currently coming out of Ascot for that insurance policy that life insurance policy.","start":754.55505,"end":773.58997,"sentiment":"neutral","sentiment_score":0.029187272077031208},{"text":"Okay?","start":773.58997,"end":774.08997,"sentiment":"neutral","sentiment_score":0.053522057831287384}],"sentiment":"neutral","sentiment_score":0.026480836062026874,"num_words":42,"start":748.43,"end":774.08997},{"sentences":[{"text":"Now underneath that as well, you will see your HESTA.","start":775.67,"end":778.955,"sentiment":"neutral","sentiment_score":0.050161450356245044},{"text":"So you have life insurance in HESTA as well, about 46,500.","start":780.135,"end":787.35504,"sentiment":"neutral","sentiment_score":0.057644101198423996},{"text":"You have income protection as well.","start":788.05505,"end":790.53503,"sentiment":"neutral","sentiment_score":0.06864382388691108},{"text":"So like you mentioned, ninety day wait.","start":790.53503,"end":793.19,"sentiment":"neutral","sentiment_score":0.07435031714183944},{"text":"It is a five year benefit period, but the monthly amount is only a thousand dollars.","start":793.81,"end":799.58997,"sentiment":"neutral","sentiment_score":0.0428604066837579}],"sentiment":"neutral","sentiment_score":0.05507562573999167,"num_words":50,"start":775.67,"end":799.58997},{"sentences":[{"text":"Yes.","start":804.44995,"end":804.93,"sentiment":"neutral","sentiment_score":0.13815326988697052},{"text":"So they would pay a thousand dollars a month for income replacement if something were to happen.","start":804.93,"end":811.945,"sentiment":"neutral","sentiment_score":0.15274997756761663},{"text":"You then also have your other income protection policy with Astron.","start":814.325,"end":818.585,"sentiment":"neutral","sentiment_score":0.16704892908984964},{"text":"So that one will pay you a monthly amount of 3,956.","start":819.205,"end":825.72,"sentiment":"neutral","sentiment_score":0.12421391430226239},{"text":"Now the waiting period, like you said as well, it is quite long.","start":826.42,"end":830.27997,"sentiment":"neutral","sentiment_score":-0.1332161630002352}],"sentiment":"neutral","sentiment_score":0.07937705748767224,"num_words":53,"start":804.44995,"end":830.27997},{"sentences":[{"text":"It's seven hundred and thirty days.","start":830.66,"end":832.83997,"sentiment":"neutral","sentiment_score":-0.06297439398864906},{"text":"And exactly.","start":833.38,"end":836.04,"sentiment":"neutral","sentiment_score":-0.0021831216290593147},{"text":"Now the benefit period for that one is up to the age of 65.","start":836.805,"end":841.945,"sentiment":"neutral","sentiment_score":-0.006663152681929725},{"text":"And yeah.","start":842.72504,"end":852.3,"sentiment":"neutral","sentiment_score":-0.1402478739619255},{"text":"So I have done research.","start":852.77997,"end":854.16,"sentiment":"neutral","sentiment_score":-0.13167899549007417}],"sentiment":"neutral","sentiment_score":-0.048771981727974166,"num_words":29,"start":830.66,"end":854.16},{"sentences":[{"text":"Yeah.","start":856.7,"end":857.18,"sentiment":"neutral","sentiment_score":0.027669191360473633},{"text":"And I have made a recommendation on that for you.","start":857.18,"end":859.66,"sentiment":"neutral","sentiment_score":0.12759238481521606},{"text":"As a suggestion, again, up to you what you wanna do, but I have made a recommendation on how to change it.","start":859.66,"end":864.39996,"sentiment":"neutral","sentiment_score":0.0870660873637958},{"text":"Now, currently, you are paying 5,148 per year out of pocket for that policy.","start":864.7,"end":871.89496,"sentiment":"neutral","sentiment_score":-0.0004566998354026249},{"text":"Okay?","start":874.355,"end":874.855,"sentiment":"neutral","sentiment_score":0.04894436150789261}],"sentiment":"neutral","sentiment_score":0.06794994844434162,"num_words":48,"start":856.7,"end":874.855},{"sentences":[{"text":"Yes.","start":875.15497,"end":875.65497,"sentiment":"neutral","sentiment_score":0.08107548207044601},{"text":"Now the next two pages is a little bit of information in regards to your risk profile.","start":876.035,"end":883.79004,"sentiment":"neutral","sentiment_score":0.02839293155600043},{"text":"Did you did you remember that kind of risk profile questionnaire we did, all those multiple choice questions on how you feel about risk and fluctuations and stuff.","start":884.01,"end":892.195,"sentiment":"neutral","sentiment_score":0.017401949502527714},{"text":"Yeah.","start":894.975,"end":895.475,"sentiment":"neutral","sentiment_score":0.08923929929733276},{"text":"So, essentially, you came out as a growth investor.","start":895.535,"end":898.755,"sentiment":"neutral","sentiment_score":0.1584421048561732}],"sentiment":"neutral","sentiment_score":0.04582550263564501,"num_words":56,"start":875.15497,"end":898.755},{"sentences":[{"text":"At the moment, you said you you are kind of happy seeing a little bit of fluctuation to try to maximize that growth for you, but you still want a little bit of a defensive portion as well.","start":899.615,"end":910.22,"sentiment":"neutral","sentiment_score":0.23335252937517667},{"text":"So we are looking about that 80% in your growth investment.","start":910.43994,"end":914.54,"sentiment":"neutral","sentiment_score":0.23675127191977066},{"text":"So that is your Australian equity, your international equities, and property as well, and that is what's going to maximize those returns for you, and then about 20% in more defensive assets like your cash, your gold, and your fixed interest.","start":914.75995,"end":930.755,"sentiment":"neutral","sentiment_score":0.3298870292378635},{"text":"So this just kind of gives you a little bit more information in regards to what that risk profile is for you.","start":932.015,"end":937.95,"sentiment":"neutral","sentiment_score":0.08852103149349039},{"text":"Now if you can then scroll to page 12 for me there, Rod, the heading should say strategy recommendations.","start":939.45,"end":946.27,"sentiment":"neutral","sentiment_score":0.08167204966670588}],"sentiment":"neutral","sentiment_score":0.21752870185229614,"num_words":131,"start":899.615,"end":946.27},{"sentences":[{"text":"Perfect.","start":950.045,"end":950.445,"sentiment":"positive","sentiment_score":0.7689092755317688},{"text":"So I've done research on all your current super funds and which one is going to be the best for you and also alternatives.","start":950.445,"end":959.665,"sentiment":"positive","sentiment_score":0.36839856890340644},{"text":"So, you know, making sure that the the superannuation that we are consolidating you to, if possible, is the one that is ultimately going to give you the best returns and put you in the best position for retirement.","start":960.02997,"end":971.49,"sentiment":"positive","sentiment_score":0.5252328430994962},{"text":"So after doing all of all of that, I do recommend that we consolidate into NatWest.","start":973.47,"end":979.88495,"sentiment":"neutral","sentiment_score":0.2681907759979367},{"text":"So NatWest is the one that you currently have the most amount of money into.","start":980.345,"end":984.605,"sentiment":"positive","sentiment_score":0.4002676765124003}],"sentiment":"positive","sentiment_score":0.42515393024996706,"num_words":95,"start":950.045,"end":984.605},{"sentences":[{"text":"It is the one that has the most flexibility with your investment so we can achieve more when it comes to your return.","start":984.90497,"end":991.69,"sentiment":"positive","sentiment_score":0.4985850051693294},{"text":"Now it is a little bit more expensive than some of the other super funds, but what we can do with the investment kind of outweigh that as well, which I will show you on the next couple of pages.","start":992.07,"end":1003.05,"sentiment":"neutral","sentiment_score":0.052226038929075},{"text":"Do you have any questions so far otherwise?","start":1004.15,"end":1006.525,"sentiment":"neutral","sentiment_score":0.01652650604955852},{"text":"Yep.","start":1009.385,"end":1009.785,"sentiment":"neutral","sentiment_score":0.04059311002492905},{"text":"Okay.","start":1009.785,"end":1010.285,"sentiment":"neutral","sentiment_score":0.2048356682062149}],"sentiment":"neutral","sentiment_score":0.19087859592719436,"num_words":73,"start":984.90497,"end":1010.285},{"sentences":[{"text":"Perfect.","start":1010.505,"end":1011.005,"sentiment":"positive","sentiment_score":0.4452173709869385},{"text":"Now I did consider other options to Netwealth as well.","start":1011.625,"end":1014.745,"sentiment":"neutral","sentiment_score":0.1817144677042961},{"text":"There was one competitor that was pretty close.","start":1014.745,"end":1017.165,"sentiment":"neutral","sentiment_score":0.03365731332451105},{"text":"But because your Netwealth has grown quite a bit, which is great, if we wanted to change that, it would mean that you would have to pay a bit of capital gains tax on your earnings in net wealth, and, you know, the minimal saving in fee just wasn't worth it.","start":1018.265,"end":1034.775,"sentiment":"neutral","sentiment_score":0.10689837792340447},{"text":"But that's not to say, you know, it's always going to be the best option.","start":1036.035,"end":1038.515,"sentiment":"neutral","sentiment_score":0.020407031973203024}],"sentiment":"neutral","sentiment_score":0.09752403892138425,"num_words":85,"start":1010.505,"end":1038.515},{"sentences":[{"text":"We always do research to make sure that, you know, the super funds that we recommend for you is the best one.","start":1038.515,"end":1044.295,"sentiment":"positive","sentiment_score":0.36831713738766586},{"text":"You know, there is no tie to Netwealth or anything like that.","start":1044.595,"end":1047.93,"sentiment":"neutral","sentiment_score":0.20543246592084566},{"text":"It's just the one that's, at the moment, going to keep you in the best position.","start":1047.93,"end":1051.55,"sentiment":"positive","sentiment_score":0.513859773054719},{"text":"So this basically just kind of breaks breaks down all of that for you.","start":1053.29,"end":1057.39,"sentiment":"neutral","sentiment_score":0.2442161047032901},{"text":"Now on the next couple of pages, know it's quite wordy.","start":1058.4901,"end":1062.2849,"sentiment":"neutral","sentiment_score":0.043995491482994774}],"sentiment":"neutral","sentiment_score":0.30257198472817737,"num_words":75,"start":1038.515,"end":1062.2849},{"sentences":[{"text":"A lot of it is the complaints, but it's also to make sure that you fully understand everything, is you will see a little table outlining the advantages in regards to the recommendation of consolidating your super and then the disadvantages and warnings to be mindful of as well.","start":1062.2849,"end":1081.32,"sentiment":"neutral","sentiment_score":-0.11257562170527419},{"text":"So as you can see, obviously, an advantage is it makes it a lot easier for you.","start":1081.38,"end":1085.2999,"sentiment":"positive","sentiment_score":0.6263953289564919},{"text":"Everything is in one place.","start":1085.2999,"end":1087.025,"sentiment":"positive","sentiment_score":0.7279970169067382},{"text":"It will grow your super the most.","start":1087.025,"end":1090.225,"sentiment":"positive","sentiment_score":0.8294378178460258},{"text":"We're also updating your investments to try to improve the returns for you.","start":1090.225,"end":1094.725,"sentiment":"positive","sentiment_score":0.6021220133854792}],"sentiment":"neutral","sentiment_score":0.24622144079306624,"num_words":91,"start":1062.2849,"end":1094.725},{"sentences":[{"text":"You are, by doing it, saving quite a bit in investment fees and But a downside by consolidating is that, obviously, in the process of transferring the money, so, obviously, you'll you'll sell down to cash.","start":1094.945,"end":1110.76,"sentiment":"neutral","sentiment_score":-0.15394652552074856},{"text":"We will do all of that for you, transfer everything over.","start":1110.76,"end":1113.7401,"sentiment":"neutral","sentiment_score":-0.18938146260651675},{"text":"Know, there is a potential for a little bit of growth loss in that time frame.","start":1114.305,"end":1118.645,"sentiment":"negative","sentiment_score":-0.5780529100447893},{"text":"Tend to happen pretty quickly, but, obviously, something for you to be aware of as well.","start":1118.9451,"end":1123.4451,"sentiment":"negative","sentiment_score":-0.4698116257786751},{"text":"Yep.","start":1126.4651,"end":1126.9651,"sentiment":"neutral","sentiment_score":-0.02122996561229229}],"sentiment":"neutral","sentiment_score":-0.30515416932757944,"num_words":80,"start":1094.945,"end":1126.9651},{"sentences":[{"text":"Now, again, as you kind of scroll through, you will see, you know, some warning and alternative.","start":1128.4,"end":1135.46,"sentiment":"neutral","sentiment_score":-0.09269910678267479},{"text":"So a warning is that, you know, there is no guarantee what's going to happen to the investment.","start":1136.64,"end":1141.955,"sentiment":"neutral","sentiment_score":-0.2892443935076396},{"text":"You know, we can't predict what is going to happen in the future, but that is also why when we are doing the research, we make sure we do extensive research to give you as much, you know, clarity as we can.","start":1142.8151,"end":1155.5701,"sentiment":"neutral","sentiment_score":-0.059324665438561214},{"text":"You're following so far, Rod?","start":1156.79,"end":1158.25,"sentiment":"neutral","sentiment_score":0.0662327267229557},{"text":"Yeah.","start":1159.83,"end":1160.3099,"sentiment":"neutral","sentiment_score":0.07271848618984222}],"sentiment":"neutral","sentiment_score":-0.10686792442238474,"num_words":83,"start":1128.4,"end":1160.3099},{"sentences":[{"text":"Yep.","start":1160.3099,"end":1160.8099,"sentiment":"neutral","sentiment_score":0.07757052034139633},{"text":"I know.","start":1161.59,"end":1162.15,"sentiment":"neutral","sentiment_score":0.050572289153933525},{"text":"I noticed.","start":1162.15,"end":1162.63,"sentiment":"neutral","sentiment_score":0.03679585084319115},{"text":"It'll it'll makes more sense when I'll show you a table where it shows.","start":1162.63,"end":1165.91,"sentiment":"neutral","sentiment_score":0.07975629264754909},{"text":"This is just kind of like the wording just so you can have a read over it, make sure you understand everything.","start":1165.91,"end":1170.025,"sentiment":"neutral","sentiment_score":0.07493160631168973}],"sentiment":"neutral","sentiment_score":0.07359488381118309,"num_words":41,"start":1160.3099,"end":1170.025},{"sentences":[{"text":"On the next pages, so I am on page 15 at the moment.","start":1171.765,"end":1176.8251,"sentiment":"neutral","sentiment_score":0.031335843870273},{"text":"The heading says make a tax deductible concessional contribution interest surfer.","start":1177.2051,"end":1182.45,"sentiment":"neutral","sentiment_score":0.04006011496213349},{"text":"Can you see that?","start":1182.45,"end":1183.35,"sentiment":"neutral","sentiment_score":0.014604751020669937},{"text":"Yes, please.","start":1188.05,"end":1188.95,"sentiment":"neutral","sentiment_score":0.008197975344955921},{"text":"It will be they had there should be a on page 15 on that statement of advice, it's a it's a blue heading, and it says at the top that Rods make a tax deductible.","start":1209.65,"end":1222.3099,"sentiment":"neutral","sentiment_score":0.02808501733733075}],"sentiment":"neutral","sentiment_score":0.029320273791941312,"num_words":65,"start":1171.765,"end":1222.3099},{"sentences":[{"text":"Can you see that?","start":1222.53,"end":1227.025,"sentiment":"neutral","sentiment_score":0.014101891778409481},{"text":"Yeah?","start":1228.125,"end":1228.625,"sentiment":"neutral","sentiment_score":0.000522964634001255},{"text":"Or what can you see?","start":1229.965,"end":1231.005,"sentiment":"neutral","sentiment_score":-0.01695295237004757},{"text":"And I can kind of direct you through.","start":1231.005,"end":1232.705,"sentiment":"neutral","sentiment_score":-0.15544257638975978},{"text":"Next one?","start":1235.405,"end":1236.145,"sentiment":"neutral","sentiment_score":-0.03901733085513115}],"sentiment":"neutral","sentiment_score":-0.06747047514654696,"num_words":20,"start":1222.53,"end":1236.145},{"sentences":[{"text":"Yes.","start":1238.2849,"end":1238.55,"sentiment":"neutral","sentiment_score":0.013366974890232086},{"text":"Yeah.","start":1239.1101,"end":1239.43,"sentiment":"neutral","sentiment_score":-0.016474731266498566},{"text":"It's kind of weird because the factors the actual pages on, like, the program you're using will factor in the cover page.","start":1239.43,"end":1246.3301,"sentiment":"neutral","sentiment_score":-0.13616825589402157},{"text":"But if you look at the bottom of the page, it's, like, one page off.","start":1246.39,"end":1249.4501,"sentiment":"neutral","sentiment_score":-0.08520379836360613},{"text":"Yeah.","start":1251.67,"end":1251.915,"sentiment":"neutral","sentiment_score":0.023508530110120773}],"sentiment":"neutral","sentiment_score":-0.1063339457847178,"num_words":40,"start":1238.2849,"end":1251.915},{"sentences":[{"text":"Yeah.","start":1252.3151,"end":1252.7151,"sentiment":"neutral","sentiment_score":0.03906163200736046},{"text":"You're you're with me now?","start":1252.7151,"end":1254.175,"sentiment":"neutral","sentiment_score":0.06281713545322418},{"text":"Yep.","start":1255.515,"end":1256.015,"sentiment":"neutral","sentiment_score":0.198860764503479},{"text":"So you mentioned as well that you obviously want to start making contributions into superannuation to try to grow that for you because it's something you haven't really been doing.","start":1256.635,"end":1265.915,"sentiment":"positive","sentiment_score":0.5164360622564952},{"text":"So we do wanna, you know, make sure we can do that for you.","start":1265.915,"end":1269.1901,"sentiment":"positive","sentiment_score":0.6117218094212669}],"sentiment":"positive","sentiment_score":0.4825332406543049,"num_words":51,"start":1252.3151,"end":1269.1901},{"sentences":[{"text":"Last time, you mentioned that you're happy to start contributing about $200 a week as a starting point.","start":1269.49,"end":1276.6901,"sentiment":"positive","sentiment_score":0.5375624845425288},{"text":"Yep.","start":1276.6901,"end":1277.1901,"sentiment":"neutral","sentiment_score":0.2863529324531555},{"text":"So I have just shown you basically what that would look like.","start":1277.25,"end":1280.87,"sentiment":"neutral","sentiment_score":0.2676264780263106},{"text":"Now the way that you would do that, obviously, as being self employed, we would give you all the the documents on on how to do it is that because of, obviously, employment situation, you would typically make the contributions from your bank account.","start":1281.49,"end":1297.155,"sentiment":"neutral","sentiment_score":0.1940804747017947},{"text":"Like, you can do it straight bank account.","start":1297.2151,"end":1299.3,"sentiment":"neutral","sentiment_score":0.11480636242777109}],"sentiment":"neutral","sentiment_score":0.27267454429922333,"num_words":83,"start":1269.49,"end":1299.3},{"sentences":[{"text":"Now because it's from your bank account, it's money that you've already paid tax on.","start":1300.0,"end":1304.66,"sentiment":"neutral","sentiment_score":0.08224410563707352},{"text":"So what we will then help you do is that because money in superannuation is only taxed at 15%.","start":1305.4401,"end":1313.885,"sentiment":"neutral","sentiment_score":0.15838015902983515},{"text":"And at the moment, with your high income, you can be taxed up to that 45% and the medical levy.","start":1314.185,"end":1320.345,"sentiment":"neutral","sentiment_score":0.014315436966717244},{"text":"So, obviously, a lot more.","start":1320.345,"end":1321.885,"sentiment":"neutral","sentiment_score":0.047584591805934905},{"text":"So the way that we can do that for you is that you obviously make the contributions from your bank account.","start":1322.185,"end":1328.04,"sentiment":"positive","sentiment_score":0.37236590470586506}],"sentiment":"neutral","sentiment_score":0.15733500379137694,"num_words":80,"start":1300.0,"end":1328.04},{"sentences":[{"text":"But before the end of this financial year, we would help you in superannuation.","start":1328.04,"end":1334.06,"sentiment":"positive","sentiment_score":0.3406392250742231},{"text":"It's just a form.","start":1334.3601,"end":1335.16,"sentiment":"neutral","sentiment_score":0.16476542688906193},{"text":"We will basically help you kinda claim some of that tax back because you don't wanna be double taxed, and we wanna save a little bit because there is a concession by making that contribution into Superbump.","start":1335.16,"end":1347.475,"sentiment":"positive","sentiment_score":0.4240497096970275},{"text":"It might sound a bit complex, but, essentially, by doing it, it just means that you will save a little bit and not having to pay tax on, you know, after tax money.","start":1348.735,"end":1358.57,"sentiment":"positive","sentiment_score":0.3643807859131784},{"text":"It will be counted as pretax money for you.","start":1358.57,"end":1361.23,"sentiment":"positive","sentiment_score":0.4784296287430657}],"sentiment":"positive","sentiment_score":0.3860647702186378,"num_words":97,"start":1328.04,"end":1361.23},{"sentences":[{"text":"Yep.","start":1364.97,"end":1365.47,"sentiment":"positive","sentiment_score":0.38850077986717224},{"text":"Essentially, though, it would mean that you are making $200 per week into superannuation to grow that as much as possible.","start":1366.4099,"end":1375.155,"sentiment":"positive","sentiment_score":0.5863747369675409},{"text":"And if you can save a little bit on tax as well, that's also a good thing.","start":1375.615,"end":1378.995,"sentiment":"positive","sentiment_score":0.7564475676592659},{"text":"Now that just outlines again for you the outcomes in regards to it.","start":1382.735,"end":1387.8099,"sentiment":"neutral","sentiment_score":0.2814444269125278},{"text":"It will break it down in a little bit more because I know it's quite a lot to take in, you know, how it works with the taxing.","start":1387.8099,"end":1393.83,"sentiment":"neutral","sentiment_score":0.24609994515776634}],"sentiment":"positive","sentiment_score":0.45139443650841715,"num_words":80,"start":1364.97,"end":1393.83},{"sentences":[{"text":"Something to be mindful of is the contribution cap.","start":1394.45,"end":1398.47,"sentiment":"neutral","sentiment_score":0.12393348250124189},{"text":"But you're trying to take advantage of, you know, the tax savings.","start":1398.61,"end":1401.795,"sentiment":"neutral","sentiment_score":0.2711481489241123},{"text":"There is a cap on 30,000 per year.","start":1402.255,"end":1406.435,"sentiment":"neutral","sentiment_score":0.17119140271097422},{"text":"So at the moment, doing $2,200 a week, you are well under that cap, so that's great.","start":1406.495,"end":1411.875,"sentiment":"positive","sentiment_score":0.38350771893473234},{"text":"If anything changes, though, and you call me and you go, you know what?","start":1412.015,"end":1415.54,"sentiment":"neutral","sentiment_score":0.06658474089843887}],"sentiment":"neutral","sentiment_score":0.21984213242928188,"num_words":60,"start":1394.45,"end":1415.54},{"sentences":[{"text":"I wanna put more in, that's okay.","start":1415.54,"end":1417.86,"sentiment":"neutral","sentiment_score":0.06707973831466266},{"text":"Just call me.","start":1417.86,"end":1418.5,"sentiment":"neutral","sentiment_score":0.07385687405864398},{"text":"I'll do the math for you because we wanna make sure you don't exceed that amount if you do wanna save on tax.","start":1418.5,"end":1425.3201,"sentiment":"neutral","sentiment_score":0.1602122388456179},{"text":"If you'd wanna do it after tax, there is yeah.","start":1425.9401,"end":1433.895,"sentiment":"neutral","sentiment_score":0.02697900589555502},{"text":"It's it's a it's a lot more.","start":1433.895,"end":1435.495,"sentiment":"neutral","sentiment_score":0.035503726984773366}],"sentiment":"neutral","sentiment_score":0.0978865286335349,"num_words":50,"start":1415.54,"end":1435.495},{"sentences":[{"text":"So there is plan there's plenty of space.","start":1435.495,"end":1437.7351,"sentiment":"neutral","sentiment_score":0.11285869311541319},{"text":"But if for for some you know, something happens or, you know, you you win the lottery or something and you just go, hey.","start":1437.7351,"end":1442.77,"sentiment":"neutral","sentiment_score":0.09601470517615478},{"text":"I wanna put a little bit more in.","start":1442.77,"end":1443.97,"sentiment":"neutral","sentiment_score":0.09150278940796852},{"text":"That's fine.","start":1443.97,"end":1444.53,"sentiment":"neutral","sentiment_score":0.18519704043865204},{"text":"Just call me first so I can I can do that math for you?","start":1444.53,"end":1447.51,"sentiment":"neutral","sentiment_score":0.14080584634627616}],"sentiment":"neutral","sentiment_score":0.11215929846678462,"num_words":56,"start":1435.495,"end":1447.51},{"sentences":[{"text":"Yeah.","start":1449.09,"end":1449.49,"sentiment":"neutral","sentiment_score":0.25274115800857544},{"text":"Perfect.","start":1449.49,"end":1449.99,"sentiment":"neutral","sentiment_score":0.21263185143470764},{"text":"Obviously, at this advantage, to be mindful of that money that you put into superannuation, it will be locked in until you meet a condition of release.","start":1450.85,"end":1459.9551,"sentiment":"neutral","sentiment_score":0.05425593939920267},{"text":"So that would be, for example, if you turn 60 and stop working or 65.","start":1460.735,"end":1465.775,"sentiment":"neutral","sentiment_score":-0.07691549857457479},{"text":"So that's obviously kind of the downside, but the good thing is they then, you know, boost your superannuation and assist in your retirement savings.","start":1465.775,"end":1473.63,"sentiment":"positive","sentiment_score":0.3866075327992439}],"sentiment":"neutral","sentiment_score":0.15132955383455407,"num_words":69,"start":1449.09,"end":1473.63},{"sentences":[{"text":"Any questions so far?","start":1475.85,"end":1477.15,"sentiment":"neutral","sentiment_score":0.045193187426775694},{"text":"None?","start":1478.81,"end":1479.29,"sentiment":"neutral","sentiment_score":-0.08888815343379974},{"text":"Okay.","start":1479.29,"end":1479.79,"sentiment":"neutral","sentiment_score":0.12441200017929076},{"text":"Perfect.","start":1480.17,"end":1480.67,"sentiment":"positive","sentiment_score":0.4455828368663788},{"text":"Now if you can then scroll through page page 17, the 17 of page number on the page, the heading should say recommended investment.","start":1482.01,"end":1492.085,"sentiment":"neutral","sentiment_score":0.17155711352825165}],"sentiment":"neutral","sentiment_score":0.1541693599353875,"num_words":31,"start":1475.85,"end":1492.085},{"sentences":[{"text":"Yep.","start":1494.305,"end":1494.805,"sentiment":"neutral","sentiment_score":0.23931840062141416},{"text":"So this can be a little bit messy as well, so I'll kinda keep it easy for you.","start":1495.345,"end":1498.9,"sentiment":"neutral","sentiment_score":0.25517646968364716},{"text":"Essentially, the first table shows you your current investment.","start":1499.12,"end":1503.78,"sentiment":"neutral","sentiment_score":0.19596723881032732},{"text":"So you see Brighter Super, for example, you see you are a 100% invested in one of their options.","start":1503.92,"end":1510.035,"sentiment":"neutral","sentiment_score":0.23878663307742068},{"text":"You then have your Ascot.","start":1510.575,"end":1512.1951,"sentiment":"neutral","sentiment_score":0.16421043276786804}],"sentiment":"neutral","sentiment_score":0.22988842685635275,"num_words":52,"start":1494.305,"end":1512.1951},{"sentences":[{"text":"You can see how you are invested in Ascot.","start":1512.415,"end":1515.075,"sentiment":"neutral","sentiment_score":0.1507478430867195},{"text":"You have HESTA, how you are invested in HESTA, and then you have your Australian Retirement Trust and how you are invested in there.","start":1515.615,"end":1524.33,"sentiment":"neutral","sentiment_score":0.17135115961233774},{"text":"And then you also have your network current portfolio listed.","start":1524.33,"end":1528.43,"sentiment":"neutral","sentiment_score":0.12859490141272545},{"text":"Now if you wanna then scroll through the next page, so page 19, the heading will say recommended investment.","start":1531.05,"end":1541.915,"sentiment":"neutral","sentiment_score":0.07457291236833523},{"text":"Yep?","start":1542.215,"end":1542.715,"sentiment":"neutral","sentiment_score":0.0698249489068985}],"sentiment":"neutral","sentiment_score":0.13082250343665244,"num_words":63,"start":1512.415,"end":1542.715},{"sentences":[{"text":"Again, it it's a table that can look a little bit messy, but, essentially, I have made some recommendations on changing some of your investments.","start":1543.415,"end":1552.155,"sentiment":"neutral","sentiment_score":0.05818329781293869},{"text":"Now we still wanna keep everything in Netwealth.","start":1552.855,"end":1556.34,"sentiment":"neutral","sentiment_score":0.1328588454052806},{"text":"We still wanna keep your risk profile as your growth, but some of the investments in Netwealth, there there is one in particular, the Benelong Australian Equities has underperformed a little bit.","start":1556.4,"end":1571.0651,"sentiment":"neutral","sentiment_score":0.12216507247649133},{"text":"So do we do wanna swap that one out to one that is doing a little bit better for you.","start":1571.365,"end":1576.265,"sentiment":"neutral","sentiment_score":0.14928224496543407},{"text":"So you can kind of see a few changes.","start":1576.885,"end":1579.9451,"sentiment":"neutral","sentiment_score":0.21412645942635006}],"sentiment":"neutral","sentiment_score":0.12063317619105603,"num_words":94,"start":1543.415,"end":1579.9451},{"sentences":[{"text":"So the investment philosophy stays the same.","start":1580.005,"end":1583.1,"sentiment":"neutral","sentiment_score":0.2480341408933912},{"text":"The concept, everything stays the same.","start":1583.1,"end":1585.44,"sentiment":"neutral","sentiment_score":0.26404878000418347},{"text":"It is just changing some of your investments.","start":1585.82,"end":1588.5599,"sentiment":"neutral","sentiment_score":0.22216400504112244},{"text":"So you can kind of see on this table how it's changing and then the target weight.","start":1589.5,"end":1596.4049,"sentiment":"neutral","sentiment_score":0.15745125053560033},{"text":"But, essentially, to try to keep it as easy as I can for you, your foundation of your portfolio, which is, like, what we would call your core portfolio, those are kind of the investments that kind of form the the basis of portfolio.","start":1596.4049,"end":1612.24,"sentiment":"neutral","sentiment_score":0.3214492323300378}],"sentiment":"neutral","sentiment_score":0.2672961120516425,"num_words":82,"start":1580.005,"end":1612.24},{"sentences":[{"text":"So these are your biggest investments.","start":1612.38,"end":1614.4801,"sentiment":"neutral","sentiment_score":0.32256438334782916},{"text":"So you will see, for example, the IHS S and P 500.","start":1614.9401,"end":1619.28,"sentiment":"neutral","sentiment_score":0.25046954800685245},{"text":"Now that one is at 30%.","start":1619.5801,"end":1621.68,"sentiment":"neutral","sentiment_score":0.24996674060821533},{"text":"You already have it in your current portfolio.","start":1621.8201,"end":1623.76,"sentiment":"positive","sentiment_score":0.417660940438509},{"text":"It's doing really well.","start":1623.8201,"end":1625.2001,"sentiment":"positive","sentiment_score":0.744840070605278}],"sentiment":"positive","sentiment_score":0.35448525349299115,"num_words":36,"start":1612.38,"end":1625.2001},{"sentences":[{"text":"It's just quietly just realigning it with you.","start":1625.8151,"end":1628.9551,"sentiment":"positive","sentiment_score":0.4706079214811325},{"text":"But just for your reference, with that one single investment, it is invested in the 500 biggest companies listed in The US in just one of that.","start":1629.015,"end":1638.775,"sentiment":"neutral","sentiment_score":0.1944937758423664},{"text":"So, obviously, very diversified for you.","start":1638.775,"end":1641.91,"sentiment":"positive","sentiment_score":0.504458616177241},{"text":"But at the same time, we don't wanna just have you in one market or one sector, one industry.","start":1641.91,"end":1646.4701,"sentiment":"neutral","sentiment_score":0.07989377371574703},{"text":"We wanna diversify things for you.","start":1646.4701,"end":1648.41,"sentiment":"positive","sentiment_score":0.42930173377195996}],"sentiment":"neutral","sentiment_score":0.24449604727102048,"num_words":66,"start":1625.8151,"end":1648.41},{"sentences":[{"text":"So we also have you can see 20% in beta health Australia 200.","start":1648.63,"end":1653.75,"sentiment":"positive","sentiment_score":0.33810298717938936},{"text":"So that will give you the Australian equity exposure.","start":1653.75,"end":1656.995,"sentiment":"neutral","sentiment_score":0.3177211831013362},{"text":"We have you in a little bit of Europe, a little bit of Japan, and then a little bit around different investments around the world.","start":1657.615,"end":1664.6749,"sentiment":"neutral","sentiment_score":0.23647937536239624},{"text":"And, again, that is just because we don't want to just concentrate it in one industry or or one area of the world.","start":1664.975,"end":1671.1599,"sentiment":"neutral","sentiment_score":0.1530826934005903},{"text":"We wanna diversify things for you.","start":1671.1599,"end":1673.4199,"sentiment":"positive","sentiment_score":0.4413704176743825}],"sentiment":"neutral","sentiment_score":0.254420241046893,"num_words":76,"start":1648.63,"end":1673.4199},{"sentences":[{"text":"But then we also wanna have, you know, a little bit of that defensive proportion to kinda limit that for you a little bit.","start":1674.2,"end":1680.7799,"sentiment":"neutral","sentiment_score":0.1810400610168775},{"text":"So we are still keeping gold as your defensive at 10%.","start":1681.0,"end":1685.715,"sentiment":"positive","sentiment_score":0.3920665437524969},{"text":"It's done really well, so we wanna keep that for you.","start":1685.7749,"end":1689.475,"sentiment":"positive","sentiment_score":0.5943883576176383},{"text":"And then we have, you know, some fixed interest, a little bit of cybersecurity, and and stuff in there for you as well.","start":1691.0549,"end":1694.1749,"sentiment":"neutral","sentiment_score":0.2974107045194377},{"text":"So it's So it's fairly similar to what you were having in Netwealth.","start":1694.1749,"end":1702.13,"sentiment":"neutral","sentiment_score":0.02824574728639653}],"sentiment":"neutral","sentiment_score":0.27321471095300937,"num_words":82,"start":1674.2,"end":1702.13},{"sentences":[{"text":"It's just swapping out some that were kind of underperforming a little bit.","start":1702.27,"end":1706.13,"sentiment":"neutral","sentiment_score":-0.19464056222484663},{"text":"The other option that's yes.","start":1706.43,"end":1709.655,"sentiment":"neutral","sentiment_score":-0.024422818422317506},{"text":"Yes.","start":1714.855,"end":1715.3351,"sentiment":"neutral","sentiment_score":-0.03748607635498047},{"text":"No.","start":1715.3351,"end":1715.655,"sentiment":"neutral","sentiment_score":-0.1855904757976532},{"text":"That's just the no.","start":1715.655,"end":1717.175,"sentiment":"neutral","sentiment_score":-0.13608941435813904}],"sentiment":"neutral","sentiment_score":-0.14249481710915765,"num_words":24,"start":1702.27,"end":1717.175},{"sentences":[{"text":"That's just what what we are swapping out.","start":1717.175,"end":1719.515,"sentiment":"neutral","sentiment_score":-0.12994797062128782},{"text":"So that is just saying that we are selling those investments, and then you can see kind of at the bottom of there where it says buy, sell, and there's, like, a zero on the current.","start":1719.975,"end":1729.57,"sentiment":"neutral","sentiment_score":0.02101450537641843},{"text":"Those are what we then were buying into instead.","start":1729.57,"end":1731.59,"sentiment":"neutral","sentiment_score":0.01454240083694458},{"text":"Yeah.","start":1734.37,"end":1734.87,"sentiment":"neutral","sentiment_score":0.14823736250400543},{"text":"Just kind of showing you how it's changing, essentially.","start":1735.09,"end":1737.965,"sentiment":"neutral","sentiment_score":0.12568146569861305}],"sentiment":"neutral","sentiment_score":0.01789191412547278,"num_words":63,"start":1717.175,"end":1737.965},{"sentences":[{"text":"Yep.","start":1739.705,"end":1740.205,"sentiment":"neutral","sentiment_score":0.16133633255958557},{"text":"Now the next page will show you the asset allocation.","start":1742.1849,"end":1747.725,"sentiment":"neutral","sentiment_score":0.1469225786626339},{"text":"That is kind of talking about that growth portfolio.","start":1748.345,"end":1750.3325,"sentiment":"neutral","sentiment_score":0.11798217313157187},{"text":"So portfolio.","start":1750.3325,"end":1752.1001,"sentiment":"neutral","sentiment_score":0.09341338276863098},{"text":"So like I mentioned, we're not changing it.","start":1752.3201,"end":1754.0267,"sentiment":"neutral","sentiment_score":0.1133184116333723}],"sentiment":"neutral","sentiment_score":0.12619252453247706,"num_words":30,"start":1739.705,"end":1754.0267},{"sentences":[{"text":"We're keeping that the same, about that eighty twenty split for you.","start":1754.0267,"end":1757.2001,"sentiment":"neutral","sentiment_score":0.20017412615319094},{"text":"But it just shows you that on on paper, essentially.","start":1757.2001,"end":1758.7877,"sentiment":"neutral","sentiment_score":0.125868970900774},{"text":"Now what most people find the most interesting is then your page 21.","start":1758.7877,"end":1761.54,"sentiment":"neutral","sentiment_score":0.13214087658203566},{"text":"Find the most interesting is then your page 21, which if you use the bottom page, now this can look quite messy.","start":1763.265,"end":1771.205,"sentiment":"neutral","sentiment_score":0.04636021026156165},{"text":"But this is the one that has the the table with all the numbers and everything like that for you.","start":1771.905,"end":1776.785,"sentiment":"neutral","sentiment_score":0.20453065149486066}],"sentiment":"neutral","sentiment_score":0.13622270485797486,"num_words":77,"start":1754.0267,"end":1776.785},{"sentences":[{"text":"Can you see that?","start":1776.785,"end":1777.62,"sentiment":"neutral","sentiment_score":0.10262166894972324},{"text":"So this kind of sometimes makes it a bit more easier to understand.","start":1780.02,"end":1783.54,"sentiment":"neutral","sentiment_score":0.1736390877228517},{"text":"So what I have done is you will see your current situation and then the recommended.","start":1783.54,"end":1789.24,"sentiment":"neutral","sentiment_score":0.2365484070032835},{"text":"So the current situation is showing you your super funds at the moment now.","start":1789.54,"end":1794.235,"sentiment":"neutral","sentiment_score":0.22592084535530635},{"text":"So I could fit everything on the one page for you.","start":1794.235,"end":1796.7949,"sentiment":"neutral","sentiment_score":0.29375341263684357}],"sentiment":"neutral","sentiment_score":0.2214956672797943,"num_words":58,"start":1776.785,"end":1796.7949},{"sentences":[{"text":"I have done your current net worth, and then I've added up all your other super funds into the one section.","start":1796.7949,"end":1802.075,"sentiment":"neutral","sentiment_score":0.28347675999005634},{"text":"This is trying to make it a little bit easier.","start":1802.075,"end":1804.095,"sentiment":"positive","sentiment_score":0.36992245316505434},{"text":"So you have your net wealth and then all your other super funds.","start":1805.355,"end":1808.27,"sentiment":"neutral","sentiment_score":0.28449260271512544},{"text":"Now you will then see your current fees, so your administration fees and investment fees.","start":1808.49,"end":1814.65,"sentiment":"neutral","sentiment_score":0.1708775480588277},{"text":"Everything that you are currently paying are advised to fees in network for you, and then the insurances that you are currently paying from your other super funds.","start":1814.65,"end":1819.2899,"sentiment":"neutral","sentiment_score":0.13580612971314363}],"sentiment":"neutral","sentiment_score":0.22662500206423902,"num_words":87,"start":1796.7949,"end":1819.2899},{"sentences":[{"text":"Okay.","start":1819.2899,"end":1819.5399,"sentiment":"neutral","sentiment_score":0.12547600269317627},{"text":"So super fund.","start":1819.5399,"end":1824.979,"sentiment":"neutral","sentiment_score":0.13925577451785406},{"text":"So that will be your your HESTA and your AIA for Ascot.","start":1824.979,"end":1829.575,"sentiment":"neutral","sentiment_score":0.16130488365888596},{"text":"Okay?","start":1830.115,"end":1830.615,"sentiment":"neutral","sentiment_score":0.14560610055923462},{"text":"Now you then see at the bottom there where it says your free year rolling average.","start":1833.475,"end":1837.64,"sentiment":"neutral","sentiment_score":0.1602052110247314}],"sentiment":"neutral","sentiment_score":0.15720580021540323,"num_words":33,"start":1819.2899,"end":1837.64},{"sentences":[{"text":"So what I've done, I've calculated the portfolio return for all of them together, and that tells us that combined for all of them, your current portfolios has produced a three year rolling average, averaging it out over three years for you, of 12.9%.","start":1837.9401,"end":1859.295,"sentiment":"neutral","sentiment_score":0.27932818098501727},{"text":"Okay?","start":1862.11,"end":1862.61,"sentiment":"neutral","sentiment_score":0.03499903902411461},{"text":"Now on the recommended side, you will then see the changes.","start":1862.91,"end":1867.15,"sentiment":"neutral","sentiment_score":0.05328098210421475},{"text":"So that is consolidating everything into Netwealth for you.","start":1867.15,"end":1871.41,"sentiment":"neutral","sentiment_score":0.11401275048653285},{"text":"Now I do wanna mention by consolidating everything into Netwealth and changing some of your investments, because your investments, you know, have have gone up, like I said, there will be a little bit of a capital gains tax in superannuation.","start":1871.79,"end":1887.9651,"sentiment":"neutral","sentiment_score":0.013703862227862927}],"sentiment":"neutral","sentiment_score":0.13678776331351333,"num_words":106,"start":1837.9401,"end":1887.9651},{"sentences":[{"text":"So by making the switch, there will be around 1,444, which is why you can see the difference listed there, and that is the tax on the investment because we are changing some of it.","start":1889.0651,"end":1902.2899,"sentiment":"neutral","sentiment_score":0.04942618225302015},{"text":"I'm trying to minimize it as much as possible by still making sure that we achieve a better return and reduce some of the administration fees.","start":1902.59,"end":1911.745,"sentiment":"neutral","sentiment_score":0.2773679345846176},{"text":"Now, obviously, that fee can change a little bit because it changes daily, but it's something I do wanna let you know that if we do make that change, there will be a little bit of that capital gains tax come out of your super.","start":1912.125,"end":1924.14,"sentiment":"neutral","sentiment_score":0.09796716769536336},{"text":"Okay?","start":1924.14,"end":1924.64,"sentiment":"neutral","sentiment_score":0.06938721984624863},{"text":"Now you can then also see the the the fees with Netwealth.","start":1927.9,"end":1932.155,"sentiment":"neutral","sentiment_score":0.11359268116454284}],"sentiment":"neutral","sentiment_score":0.12422272788376368,"num_words":119,"start":1889.0651,"end":1932.155},{"sentences":[{"text":"So by consolidating everything, you'll have the investment fees and administration fees.","start":1932.295,"end":1937.3551,"sentiment":"neutral","sentiment_score":0.1110335389773051},{"text":"Now you'll also see the advice service fee.","start":1938.135,"end":1941.035,"sentiment":"neutral","sentiment_score":0.07506196014583111},{"text":"Now the percentage isn't changing.","start":1941.0951,"end":1943.755,"sentiment":"neutral","sentiment_score":0.005225083604454994},{"text":"It's at 1.65.","start":1943.91,"end":1945.77,"sentiment":"neutral","sentiment_score":-0.01031057940175136},{"text":"But because we are now managing more money, it's that's why the change is there.","start":1945.91,"end":1951.75,"sentiment":"neutral","sentiment_score":0.026347932778298853}],"sentiment":"neutral","sentiment_score":0.05403048419501892,"num_words":43,"start":1932.295,"end":1951.75},{"sentences":[{"text":"Because it's a percentage of your super balance, but the percentage itself is not changing.","start":1951.75,"end":1957.515,"sentiment":"neutral","sentiment_score":-0.0245794794211785},{"text":"Okay?","start":1957.815,"end":1958.315,"sentiment":"neutral","sentiment_score":0.01293058879673481},{"text":"Now you I'm I'm still I'm still no.","start":1962.855,"end":1967.815,"sentiment":"neutral","sentiment_score":-0.030058120610192418},{"text":"That's okay.","start":1967.815,"end":1968.375,"sentiment":"neutral","sentiment_score":0.005682303104549646},{"text":"I'm still on page 20 one.","start":1968.375,"end":1972.87,"sentiment":"neutral","sentiment_score":0.028288049312929314}],"sentiment":"neutral","sentiment_score":-0.012972927041118965,"num_words":32,"start":1951.75,"end":1972.87},{"sentences":[{"text":"Yep.","start":1972.87,"end":1973.37,"sentiment":"neutral","sentiment_score":0.09685766696929932},{"text":"Now you will also see so if you can see can you see that three year rolling average again for me where it says 18 it's at 18.11%.","start":1974.5499,"end":1999.4,"sentiment":"neutral","sentiment_score":0.13676343805023602},{"text":"So it's quite a big difference, which is really good.","start":1999.4,"end":2002.38,"sentiment":"positive","sentiment_score":0.4146755665540695},{"text":"Yep.","start":2005.56,"end":2006.06,"sentiment":"neutral","sentiment_score":0.05403280258178711},{"text":"Now at the bottom of that page, you will then see where it says lump sum in three years and lump sum in eight years.","start":2006.92,"end":2014.2351,"sentiment":"neutral","sentiment_score":0.040074092820286754}],"sentiment":"neutral","sentiment_score":0.1404442264770086,"num_words":65,"start":1972.87,"end":2014.2351},{"sentences":[{"text":"You can see that?","start":2015.7351,"end":2016.8551,"sentiment":"neutral","sentiment_score":0.04286380298435688},{"text":"Yep.","start":2016.8551,"end":2017.3551,"sentiment":"neutral","sentiment_score":0.04207631200551987},{"text":"So this is basically just projecting everything for you.","start":2017.495,"end":2020.375,"sentiment":"positive","sentiment_score":0.4255089263121287},{"text":"So like I said earlier, the recommendation that we do has to put you in a better position overall.","start":2020.375,"end":2026.18,"sentiment":"positive","sentiment_score":0.5747763922339991},{"text":"So it factors in insurances.","start":2026.64,"end":2028.9,"sentiment":"positive","sentiment_score":0.4239578604698181}],"sentiment":"positive","sentiment_score":0.4495698056722942,"num_words":38,"start":2015.7351,"end":2028.9},{"sentences":[{"text":"It factors in adviser fees.","start":2029.28,"end":2031.28,"sentiment":"neutral","sentiment_score":0.2551248729228973},{"text":"It factors in the tax, all the changes as well as the change in your investment, and you can then see the kind of estimated change.","start":2031.28,"end":2041.175,"sentiment":"positive","sentiment_score":0.34577074761574084},{"text":"So looking at the difference between both the the three years and the eight years, you can see that it still will put you in a better position by making that change.","start":2041.875,"end":2051.55,"sentiment":"positive","sentiment_score":0.5335271526128054},{"text":"Okay?","start":2051.55,"end":2052.05,"sentiment":"neutral","sentiment_score":0.1598251760005951},{"text":"Yep.","start":2054.27,"end":2054.77,"sentiment":"neutral","sentiment_score":0.08282768726348877}],"sentiment":"positive","sentiment_score":0.4243259315307324,"num_words":65,"start":2029.28,"end":2054.77},{"sentences":[{"text":"Any questions so far, Ward?","start":2054.91,"end":2056.69,"sentiment":"neutral","sentiment_score":0.03868088722229004},{"text":"No?","start":2059.39,"end":2059.89,"sentiment":"neutral","sentiment_score":-0.07533064484596252},{"text":"Okay.","start":2059.95,"end":2060.45,"sentiment":"neutral","sentiment_score":0.10557570308446884},{"text":"Perfect.","start":2060.5898,"end":2061.0898,"sentiment":"positive","sentiment_score":0.40132516622543335},{"text":"Now I have included on the next page, so that is page 22 where it says retirement income calculation for you.","start":2063.3352,"end":2069.895,"sentiment":"neutral","sentiment_score":0.17028592083425748}],"sentiment":"neutral","sentiment_score":0.14486134476188955,"num_words":29,"start":2054.91,"end":2069.895},{"sentences":[{"text":"Can you see that?","start":2069.895,"end":2070.955,"sentiment":"neutral","sentiment_score":0.10309937037527561},{"text":"Yeah.","start":2072.135,"end":2072.5352,"sentiment":"neutral","sentiment_score":0.14092126488685608},{"text":"So that is just to show you because I know you mentioned that you, you know, think that you probably have to work through about age 65.","start":2072.5352,"end":2080.57,"sentiment":"neutral","sentiment_score":0.16562824696302414},{"text":"60 would be great.","start":2081.19,"end":2082.49,"sentiment":"positive","sentiment_score":0.6231698840856552},{"text":"So I have included both of that for you.","start":2082.95,"end":2085.1099,"sentiment":"positive","sentiment_score":0.4742845396200816}],"sentiment":"neutral","sentiment_score":0.261922706829177,"num_words":45,"start":2069.895,"end":2085.1099},{"sentences":[{"text":"Now, again, it can be a little bit messy here, but the first table here shows you that if you retire at age 60, you won't really achieve your goal of being able to draw about 52,000 a year.","start":2085.1099,"end":2101.685,"sentiment":"neutral","sentiment_score":0.017036367780887164},{"text":"Now age pension, if you are eligible for it, won't kick in until 67.","start":2101.985,"end":2107.62,"sentiment":"neutral","sentiment_score":-0.0015061679296195511},{"text":"So that's why kind of the change in the color.","start":2107.6802,"end":2109.6802,"sentiment":"neutral","sentiment_score":-0.0023137846495956183},{"text":"So the black is money you take from your super, and then the blue is potential age pension.","start":2109.6802,"end":2117.025,"sentiment":"neutral","sentiment_score":0.040604998668034874},{"text":"Okay?","start":2117.025,"end":2117.525,"sentiment":"neutral","sentiment_score":0.04792286455631256}],"sentiment":"neutral","sentiment_score":0.017061060811279387,"num_words":82,"start":2085.1099,"end":2117.525},{"sentences":[{"text":"So if you then look at age 65, it's quite a big difference.","start":2119.185,"end":2122.885,"sentiment":"neutral","sentiment_score":0.024966493154911753},{"text":"So at age 60 five, if, you know, everything kind of stays the same, you keep making the contributions, everything stays the same, it will then show you here that you, you know, you are on track to be able to draw that thousand dollars per week.","start":2123.265,"end":2136.92,"sentiment":"neutral","sentiment_score":0.20845779499157946},{"text":"So that black shows you you see the line at the top where it says the 50,000?","start":2136.92,"end":2142.2,"sentiment":"neutral","sentiment_score":0.10976411709014107},{"text":"That is at 52.","start":2142.2,"end":2143.315,"sentiment":"neutral","sentiment_score":0.07100370526313782},{"text":"So that shows you that you can take that 52,000 a year at 65.","start":2143.315,"end":2148.695,"sentiment":"neutral","sentiment_score":0.19653408229351044}],"sentiment":"neutral","sentiment_score":0.15814276567697036,"num_words":95,"start":2119.185,"end":2148.695},{"sentences":[{"text":"And then at 67, it can then be supplemented by potential age pension, and it will then your would then potentially run out at around 92, and then it will be age pension.","start":2148.915,"end":2160.83,"sentiment":"neutral","sentiment_score":0.16426623612642288},{"text":"So, obviously, it lasts a lot longer for you.","start":2160.83,"end":2163.09,"sentiment":"neutral","sentiment_score":0.1961804280678431},{"text":"Yep.","start":2166.35,"end":2166.85,"sentiment":"neutral","sentiment_score":0.1303146928548813},{"text":"Now any other questions before I move on to the insurances there for you?","start":2169.31,"end":2174.495,"sentiment":"neutral","sentiment_score":0.0863431032214846},{"text":"No?","start":2175.755,"end":2176.255,"sentiment":"neutral","sentiment_score":-0.08708004653453827}],"sentiment":"neutral","sentiment_score":0.14549047821040811,"num_words":58,"start":2148.915,"end":2176.255},{"sentences":[{"text":"Yep.","start":2177.355,"end":2177.855,"sentiment":"neutral","sentiment_score":0.19683323800563812},{"text":"Perfect.","start":2177.915,"end":2178.415,"sentiment":"positive","sentiment_score":0.5741239190101624},{"text":"So the next page, page 23, heading says, Rod, retain your existing income protection.","start":2179.515,"end":2186.97,"sentiment":"neutral","sentiment_score":0.1567510925233364},{"text":"Can you see that?","start":2187.03,"end":2188.0898,"sentiment":"neutral","sentiment_score":0.1018844936043024},{"text":"Yep.","start":2189.5898,"end":2190.0898,"sentiment":"neutral","sentiment_score":0.08443872630596161}],"sentiment":"neutral","sentiment_score":0.16464043586027055,"num_words":21,"start":2177.355,"end":2190.0898},{"sentences":[{"text":"So I did have a look.","start":2190.15,"end":2191.69,"sentiment":"neutral","sentiment_score":0.11461944629748662},{"text":"So I went and spoke to all the insurers out there to see if I could find another income protection policy for you.","start":2191.75,"end":2197.505,"sentiment":"neutral","sentiment_score":0.09861609566470851},{"text":"I know you mentioned that you feel that, obviously, the two year waiting period is very long, and it is quite long.","start":2197.645,"end":2203.505,"sentiment":"neutral","sentiment_score":-0.23577854172749954},{"text":"So I would've spoke to all the insurers out there and see what they said and which one would offer.","start":2203.565,"end":2208.385,"sentiment":"neutral","sentiment_score":-0.019831223506480457},{"text":"Yes.","start":2215.5,"end":2216.0,"sentiment":"neutral","sentiment_score":-0.0021459143608808517}],"sentiment":"neutral","sentiment_score":-0.036527936450309224,"num_words":72,"start":2190.15,"end":2216.0},{"sentences":[{"text":"Yeah.","start":2219.42,"end":2219.92,"sentiment":"neutral","sentiment_score":-0.03674260899424553},{"text":"Yeah.","start":2220.22,"end":2220.72,"sentiment":"neutral","sentiment_score":-0.039028774946928024},{"text":"Yeah.","start":2223.325,"end":2223.825,"sentiment":"neutral","sentiment_score":-0.011705512180924416},{"text":"Yes.","start":2228.125,"end":2228.625,"sentiment":"neutral","sentiment_score":-0.048251885920763016},{"text":"Yep.","start":2230.9248,"end":2231.4248,"sentiment":"neutral","sentiment_score":-0.1931200623512268}],"sentiment":"neutral","sentiment_score":-0.06576976887881755,"num_words":5,"start":2219.42,"end":2231.4248},{"sentences":[{"text":"Yeah.","start":2234.125,"end":2234.625,"sentiment":"neutral","sentiment_score":-0.0869872197508812},{"text":"And that's yes.","start":2234.9248,"end":2239.27,"sentiment":"neutral","sentiment_score":-0.028758977850278217},{"text":"And, you know, as well to make because we can I can obviously do that research for you?","start":2239.49,"end":2243.49,"sentiment":"neutral","sentiment_score":0.15570467876063454},{"text":"So if you ever wanna change anything, you know, you can always just give me a call and say, hey.","start":2243.49,"end":2248.1301,"sentiment":"neutral","sentiment_score":0.09919024836272002},{"text":"I want to do this.","start":2248.1301,"end":2249.09,"sentiment":"neutral","sentiment_score":0.0895091325044632}],"sentiment":"neutral","sentiment_score":0.10767597221630684,"num_words":47,"start":2234.125,"end":2249.09},{"sentences":[{"text":"Can I do it?","start":2249.09,"end":2249.925,"sentiment":"neutral","sentiment_score":0.11315380781888962},{"text":"What should I do?","start":2249.925,"end":2250.325,"sentiment":"neutral","sentiment_score":0.03165846038609743},{"text":"We're here to help you with it as well because it can be really messy and confusing.","start":2250.325,"end":2254.185,"sentiment":"neutral","sentiment_score":0.07341473856393028},{"text":"And I thought that's probably why you do have that two year waiting period because that's typically the only way we would see that long one is if you do have another one to supplement it.","start":2255.365,"end":2271.9302,"sentiment":"neutral","sentiment_score":-0.09474138046304385},{"text":"Yeah.","start":2271.9302,"end":2272.33,"sentiment":"neutral","sentiment_score":-0.015315422788262367}],"sentiment":"neutral","sentiment_score":-0.02578557243630771,"num_words":62,"start":2249.09,"end":2272.33},{"sentences":[{"text":"Yeah.","start":2272.33,"end":2272.6501,"sentiment":"neutral","sentiment_score":-0.0184969250112772},{"text":"A lot of them are the the HESTA one would be your, like, your default one.","start":2272.6501,"end":2278.5571,"sentiment":"neutral","sentiment_score":-0.07257747929543257},{"text":"They just kind of set it up for you without you having to do anything.","start":2278.5618,"end":2286.126,"sentiment":"neutral","sentiment_score":-0.04088934957981109},{"text":"Yeah.","start":2286.1306,"end":2286.6306,"sentiment":"neutral","sentiment_score":-0.016727492213249207},{"text":"Yeah.","start":2286.6353,"end":2287.1353,"sentiment":"neutral","sentiment_score":-0.027372917160391808}],"sentiment":"neutral","sentiment_score":-0.05403462490614723,"num_words":34,"start":2272.33,"end":2287.1353},{"sentences":[{"text":"Yeah.","start":2291.7,"end":2291.94,"sentiment":"neutral","sentiment_score":-0.06306594610214233},{"text":"Yeah.","start":2291.94,"end":2292.44,"sentiment":"neutral","sentiment_score":-0.08090387284755707},{"text":"Yeah.","start":2297.14,"end":2297.64,"sentiment":"neutral","sentiment_score":-0.2874850332736969},{"text":"Yeah.","start":2298.26,"end":2298.66,"sentiment":"neutral","sentiment_score":-0.2260974496603012},{"text":"Yeah.","start":2298.66,"end":2299.16,"sentiment":"neutral","sentiment_score":-0.27615562081336975}],"sentiment":"neutral","sentiment_score":-0.18674158453941345,"num_words":5,"start":2291.7,"end":2299.16},{"sentences":[{"text":"That's not good.","start":2299.22,"end":2300.0198,"sentiment":"negative","sentiment_score":-0.5308666229248047},{"text":"And that sometimes, you know, can happen with those industry funds as well.","start":2300.0198,"end":2304.075,"sentiment":"neutral","sentiment_score":-0.2616096001404982},{"text":"You don't always get a lot of communication with things.","start":2304.075,"end":2307.375,"sentiment":"neutral","sentiment_score":-0.26831060349941255},{"text":"Yeah.","start":2310.075,"end":2310.555,"sentiment":"neutral","sentiment_score":-0.19815057516098025},{"text":"And, you know, that's that's not good, and we wanna obviously help you with that to make sure that doesn't happen.","start":2310.555,"end":2315.375,"sentiment":"negative","sentiment_score":-0.3713051776091258}],"sentiment":"neutral","sentiment_score":-0.3265039585530758,"num_words":48,"start":2299.22,"end":2315.375},{"sentences":[{"text":"But with your income protection, like I said, I spoke to all the insurers out there.","start":2316.315,"end":2321.6401,"sentiment":"neutral","sentiment_score":-0.09992369101382792},{"text":"And because of your occupation at the moment, they are all saying that you won't be able to get another policy because they think it's too risky on occupation.","start":2322.26,"end":2333.525,"sentiment":"neutral","sentiment_score":-0.2414415329694748},{"text":"So that kind of limits what we can do with income protection.","start":2334.545,"end":2338.645,"sentiment":"neutral","sentiment_score":-0.2553221384684245},{"text":"So at the moment, we won't be able to take up a new one.","start":2338.785,"end":2343.125,"sentiment":"neutral","sentiment_score":-0.06299235645149436},{"text":"Yeah.","start":2345.6648,"end":2345.94,"sentiment":"neutral","sentiment_score":-0.012607242912054062}],"sentiment":"neutral","sentiment_score":-0.17442985287764007,"num_words":72,"start":2316.315,"end":2345.94},{"sentences":[{"text":"Yeah.","start":2347.22,"end":2347.72,"sentiment":"neutral","sentiment_score":-0.01663801074028015},{"text":"Yeah.","start":2350.74,"end":2351.24,"sentiment":"neutral","sentiment_score":-0.03183688595890999},{"text":"Yeah.","start":2351.94,"end":2352.0999,"sentiment":"neutral","sentiment_score":-0.049778688699007034},{"text":"Yeah.","start":2352.0999,"end":2352.5999,"sentiment":"neutral","sentiment_score":-0.07164664566516876},{"text":"Yep.","start":2353.46,"end":2353.96,"sentiment":"neutral","sentiment_score":-0.05829719454050064}],"sentiment":"neutral","sentiment_score":-0.045639485120773315,"num_words":5,"start":2347.22,"end":2353.96},{"sentences":[{"text":"Yeah.","start":2355.38,"end":2355.88,"sentiment":"neutral","sentiment_score":-0.07353254407644272},{"text":"Yeah.","start":2359.14,"end":2359.64,"sentiment":"neutral","sentiment_score":-0.0728897750377655},{"text":"Yeah.","start":2363.835,"end":2364.335,"sentiment":"neutral","sentiment_score":-0.0342273972928524},{"text":"Yeah.","start":2364.4749,"end":2364.9749,"sentiment":"neutral","sentiment_score":-0.02034945972263813},{"text":"Yep.","start":2368.875,"end":2369.375,"sentiment":"neutral","sentiment_score":0.001854700385592878}],"sentiment":"neutral","sentiment_score":-0.039828895148821174,"num_words":5,"start":2355.38,"end":2369.375},{"sentences":[{"text":"Yeah.","start":2371.275,"end":2371.775,"sentiment":"neutral","sentiment_score":-0.08057943731546402},{"text":"Yeah.","start":2375.83,"end":2376.33,"sentiment":"neutral","sentiment_score":-0.14454859495162964},{"text":"Yes.","start":2378.6301,"end":2379.1301,"sentiment":"neutral","sentiment_score":0.04696180671453476},{"text":"Yeah.","start":2379.27,"end":2379.77,"sentiment":"neutral","sentiment_score":0.15628913044929504},{"text":"So the good thing is that I have found a policy for total permanent disability, which is good.","start":2381.1902,"end":2386.525,"sentiment":"positive","sentiment_score":0.5229424436887106}],"sentiment":"positive","sentiment_score":0.42686758596788754,"num_words":22,"start":2371.275,"end":2386.525},{"sentences":[{"text":"But with income protection, first, I there is no one that is, at the moment, willing to offer cover based on your occupation.","start":2386.6648,"end":2395.4048,"sentiment":"negative","sentiment_score":-0.3410156242873358},{"text":"So I can't get you a new policy, but what I have been able to do for you anyway is, like you said, it's quite expensive at the moment.","start":2396.1848,"end":2405.23,"sentiment":"negative","sentiment_score":-0.3837034733131014},{"text":"So I have spoken to Astrum, and I have got a quote to change the benefit period.","start":2405.69,"end":2414.385,"sentiment":"neutral","sentiment_score":-0.02237938004819786},{"text":"So instead of it being to age 65, reduce it to five years.","start":2414.7651,"end":2420.065,"sentiment":"neutral","sentiment_score":-0.0438304001895281},{"text":"And it's still the same waiting period.","start":2420.605,"end":2423.905,"sentiment":"neutral","sentiment_score":-0.070705881608384}],"sentiment":"neutral","sentiment_score":-0.2293926507778717,"num_words":89,"start":2386.6648,"end":2423.905},{"sentences":[{"text":"We can't change that.","start":2424.1702,"end":2425.7102,"sentiment":"neutral","sentiment_score":-0.13256325758993626},{"text":"But by changing the benefit period, you can see that the monthly premium, you know, almost half.","start":2426.09,"end":2433.1501,"sentiment":"neutral","sentiment_score":0.2183530453373404},{"text":"So it does make it a lot cheaper.","start":2434.4102,"end":2436.6702,"sentiment":"positive","sentiment_score":0.5043623968958855},{"text":"Now, ultimately, it is up to you if you do wanna keep it or not.","start":2437.0251,"end":2440.085,"sentiment":"neutral","sentiment_score":0.0517913743853569},{"text":"But just be mindful that if you do wanna cancel it at the moment, there's no other insurance that is willing to offer cover for income protection.","start":2440.865,"end":2448.405,"sentiment":"negative","sentiment_score":-0.33782142483525807}],"sentiment":"neutral","sentiment_score":-0.015882534355344907,"num_words":71,"start":2424.1702,"end":2448.405},{"sentences":[{"text":"So that would mean that you you won't have it.","start":2448.865,"end":2456.1501,"sentiment":"neutral","sentiment_score":-0.21169150844216347},{"text":"Yeah.","start":2456.85,"end":2457.09,"sentiment":"neutral","sentiment_score":-0.13508090376853943},{"text":"So this is income protection is if you are temporarily unable to work.","start":2457.09,"end":2461.1902,"sentiment":"neutral","sentiment_score":-0.2119640765281824},{"text":"Yeah.","start":2462.77,"end":2462.985,"sentiment":"neutral","sentiment_score":-0.04608220234513283},{"text":"That's this one.","start":2464.905,"end":2465.885,"sentiment":"neutral","sentiment_score":-0.021403797591725986}],"sentiment":"neutral","sentiment_score":-0.18277937779203057,"num_words":28,"start":2448.865,"end":2465.885},{"sentences":[{"text":"Yes.","start":2467.945,"end":2468.445,"sentiment":"neutral","sentiment_score":0.0024822894483804703},{"text":"So yes.","start":2473.145,"end":2474.125,"sentiment":"neutral","sentiment_score":-0.08139717765152454},{"text":"Yes.","start":2477.945,"end":2478.2651,"sentiment":"neutral","sentiment_score":-0.003972550854086876},{"text":"So it's it's a little bit so it's it's an income protection.","start":2478.2651,"end":2482.0999,"sentiment":"neutral","sentiment_score":-0.05318722641095519},{"text":"So it is temporary disability.","start":2482.24,"end":2485.14,"sentiment":"neutral","sentiment_score":-0.05151327550411224}],"sentiment":"neutral","sentiment_score":-0.050480843388608525,"num_words":21,"start":2467.945,"end":2485.14},{"sentences":[{"text":"That is if you are temporarily unable to work.","start":2485.5999,"end":2488.42,"sentiment":"neutral","sentiment_score":-0.12219226525889502},{"text":"So that is true.","start":2488.88,"end":2491.52,"sentiment":"neutral","sentiment_score":0.04364660009741783},{"text":"At the moment, it is up to age 65 if you can't work, but it is, like you said, costing you a bit.","start":2491.52,"end":2498.185,"sentiment":"neutral","sentiment_score":-0.29435260075589886},{"text":"Now because you do have a two year waiting period as well, basically, by reducing it to five years, really, there's only a year difference.","start":2498.325,"end":2508.35,"sentiment":"neutral","sentiment_score":-0.07251855388283729},{"text":"Because if you have a five year benefit period, but you have to wait two years until that kicks in, that gives you seven years, and it's almost eight years until '65.","start":2508.4102,"end":2521.07,"sentiment":"neutral","sentiment_score":-0.009790230426006019}],"sentiment":"neutral","sentiment_score":-0.10560758091429229,"num_words":93,"start":2485.5999,"end":2521.07},{"sentences":[{"text":"So if something were to happen tomorrow, the other the one that you currently have, you'd only be basically be utilizing for up to eight years, but, obviously, costing a lot more.","start":2521.77,"end":2536.02,"sentiment":"neutral","sentiment_score":-0.030343966063810512},{"text":"Does that make sense?","start":2536.02,"end":2537.32,"sentiment":"neutral","sentiment_score":-0.011720163747668266},{"text":"Yeah.","start":2539.54,"end":2540.04,"sentiment":"neutral","sentiment_score":0.010014880448579788},{"text":"Yeah.","start":2540.1,"end":2540.6,"sentiment":"neutral","sentiment_score":-0.08988668769598007},{"text":"Yeah.","start":2544.26,"end":2544.5,"sentiment":"neutral","sentiment_score":-0.1528203934431076}],"sentiment":"neutral","sentiment_score":-0.03206614794161839,"num_words":39,"start":2521.77,"end":2544.5},{"sentences":[{"text":"Yeah.","start":2544.5,"end":2545.0,"sentiment":"neutral","sentiment_score":-0.11552326381206512},{"text":"Yeah.","start":2545.46,"end":2545.86,"sentiment":"neutral","sentiment_score":-0.11757928133010864},{"text":"And, ultimately, if you feel like that, if you tell me, do you know what?","start":2545.86,"end":2549.295,"sentiment":"neutral","sentiment_score":-0.29606041808923084},{"text":"I don't wanna keep it.","start":2549.295,"end":2550.255,"sentiment":"negative","sentiment_score":-0.5561664223670959},{"text":"I wanna cancel it.","start":2550.255,"end":2551.635,"sentiment":"negative","sentiment_score":-0.4104469493031502}],"sentiment":"negative","sentiment_score":-0.34987033559725833,"num_words":26,"start":2544.5,"end":2551.635},{"sentences":[{"text":"That's fine.","start":2551.6948,"end":2552.255,"sentiment":"neutral","sentiment_score":-0.011039253324270248},{"text":"It is ultimately up to you.","start":2552.255,"end":2554.275,"sentiment":"neutral","sentiment_score":0.03256752093633016},{"text":"I just obviously want you to be aware that if we cancel it, at the moment, we can't get you another income protection.","start":2554.415,"end":2560.915,"sentiment":"negative","sentiment_score":-0.35415901438049646},{"text":"So that would mean that","start":2560.9749,"end":2562.355,"sentiment":"neutral","sentiment_score":-0.20479826480150223}],"sentiment":"neutral","sentiment_score":-0.24989783432748583,"num_words":36,"start":2551.6948,"end":2562.355}]}}]},{"alternatives":[{"transcript":"Hello. Ross speaking. Not too bad. Thanks. Yourself? Yeah. We'll give it a go. Yep. Yep. No worries. Yep. Rob Leslie Flynn. 07/08 to the third nineteen sixty nine. Address is 55 Forbes Road, Cooomba 4503. What else do I have to do? I probably can. I'm just just pulling some earpieces the other day. I'm just trying to rig them up so I can walk and talk to you. Right. Hang on. I'll just see if I can get this ready. I'm coming here. I'll see if I can get this working out. I've only just bought them and had them on me. I don't have a shirt pocket to put my shirt. I mean, fine in the morning, so otherwise, I gotta carry it. Why is it not coming up? It help it it would help if I have the directions for it too, wouldn't it? I'm just gonna see whether it's gonna come up. Alright. Give me a sec. I'll go up here and have a bit of a look. Yep. Okay. I've got a signature request. Is that the one? Hang on. This bloody thing still is almost I must have I must have cut spare. You there? Okay. Very quiet. There we go. You there now? Okay. Well, that's a bit better. I've got you in one here anyway, but oh, the other one was saying it wasn't charged, so I'm just trying to get it. Okay. Down the bottom, just in little lines, it says was it onecarepopods.pdf? Statement advice, service guide. Which one do you want? Alright. Yep. Mhmm. Yep. So okay. Do you know whether you guys have done anything with that Hector one? Because the insurance was about to be canceled. So I left it up to you to see whether you could do something with it before they cancel it. Because that is the only insurance that I have on the two years. That's what I told Hayden. I'd not the Hayden. What'd you say? Hayden. Yeah. Yeah. Yeah. So I was on an email. I think it was the middle of this month or something. Because we haven't been because we haven't been contributing to it. I would say there's probably not a lot of there's probably not a lot of people left because I haven't paid anything, so they've probably just taken a funds from the super. I've I've lost three like that because I wasn't notified that where the supers were. I didn't even have a clue. Okay. The scope of advice, or do I tap on that other? Well, at the bottom of that content, it says page two. Do I have to touch that to open it? Yeah. Page three is underneath it. Oh, yeah. Yeah. Yeah. Yeah. Sorry. Okay. Yep. Yep. Alright. Yep. Well, yeah, sort of thing. I just I haven't had one under two years for a while, and I've sort of been wary of it. And then I I knew the Hester one had one, and I know it was 90 days, but, you know, ninety day wait, but it's better than nothing. Nah. You're pretty pretty close to it. Yep. Mhmm. I think I did. I think I did. Yep. That's that's by fire. Yeah. Yep. Yep. Yeah. It's a t e one. Yep. Yeah. Well, I actually told them the other week I'm thinking of canceling it and either changing it or I'm just gonna take out another one because I'm I'm wasting money there. I pay 400 I pay 400 and something a month for that. Yep. Yeah. I think I did. Yeah. Yeah. Yep. I don't think I'm down alright. Yep. Yep. Okay. Yeah. I think so. You said Pyscoofday? Is that the statement of voice? It is important to do as long as is that the that the one you do? No. I got four that's 14. Oh, listen. Unless your page marks at the bottom. But yeah. Okay. So yeah. Okay. Yep. Yep. Yep. Yes. Yep. Yep. Alright. Yep. Yep. That'd have to be the 600 that'd have to be the 600 or 800 a week, wouldn't it? Yeah. Yep. Yep. Not. Yep. Alright. Yep. Mhmm. Yep. So the ones in the red that buy and sell, are they are they a loss? Or how does that work? Alright. Alrighty. Yep. Yep. Yep. Mhmm. Yep. Yep. Mhmm. Yep. Alright. What page are you on here and him? I just clicked in the 25. Okay. That's fine. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. No. I don't think so. Yep. Yep. Yep. Yep. What happened? Yep. Yeah. Well, see, I had another insurance inside of two years, and then I took that one out for an outside of two years in case something ever happened. And and then I've accidentally and I've had that other insurance since I was 18, and they changed their name. And when I found all these insurances together, I started trying them out. And I didn't recognize the name, and I threw the wrong one out. I had it I had it for nearly thirty years or so. Oh, I think that was just taken out anyway when when the when the paper was made because I didn't even know I had it. Yeah. Well, I had one with that a bunch of years ago too, and then they I didn't even know I had it. And and I didn't know that Super was there. I've never been contacted over to Super. And the only time I heard from them was when they wanted more money for the insurance. I I lost the whole lot. Yeah. Well, that's happened about three times now. Yep. Well, I I actually had a broker for years, and the fella that used to do me broker, I got on to the fella that took over from him, and I said, oh, I want one. It's just for an illness. And I know the money I earn, and half of them are never gonna cover that, what I earn anyway. And I said, all I want is something like if I fall over in the street or an illness. I said sort of capability of what I do for my job. I said all I wanted is something like that. I said, I know you can't get a cover that's gonna cover me for, you know, the the repayments would be ridiculous. Alright. Yep. Well, that's a that's a full disability one too. That's not you've gotta be incapacitated to go to work. Yeah. That's the second one. Because that first session when I pay now, it's it's a disability one. That's what they told me. So I was unable to work through to that age. Right. Yep. Yep. Yeah. Yeah. Yeah. Because I'm just I was just a bit over that. 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Ross speaking. Not too bad. Thanks. Yourself?\n\nYeah. We'll give it a go. Yep. Yep. No worries.\n\nYep. Rob Leslie Flynn. 07/08 to the third nineteen sixty nine. Address is 55 Forbes Road, Cooomba 4503. What else do I have to do?\n\nI probably can. I'm just just pulling some earpieces the other day. I'm just trying to rig them up so I can walk and talk to you. Right. Hang on.\n\nI'll just see if I can get this ready. I'm coming here. I'll see if I can get this working out. I've only just bought them and had them on me. I don't have a shirt pocket to put my shirt.\n\nI mean, fine in the morning, so otherwise, I gotta carry it. Why is it not coming up? It help it it would help if I have the directions for it too, wouldn't it? I'm just gonna see whether it's gonna come up. Alright.\n\nGive me a sec. I'll go up here and have a bit of a look. Yep. Okay. I've got a signature request.\n\nIs that the one? Hang on. This bloody thing still is almost I must have I must have cut spare. You there? Okay.\n\nVery quiet. There we go. You there now? Okay. Well, that's a bit better.\n\nI've got you in one here anyway, but oh, the other one was saying it wasn't charged, so I'm just trying to get it. Okay. Down the bottom, just in little lines, it says was it onecarepopods.pdf? Statement advice, service guide. Which one do you want?\n\nAlright. Yep. Mhmm. Yep. So okay.\n\nDo you know whether you guys have done anything with that Hector one? Because the insurance was about to be canceled. So I left it up to you to see whether you could do something with it before they cancel it. Because that is the only insurance that I have on the two years. That's what I told Hayden.\n\nI'd not the Hayden. What'd you say? Hayden. Yeah. Yeah.\n\nYeah. So I was on an email. I think it was the middle of this month or something. Because we haven't been because we haven't been contributing to it. I would say there's probably not a lot of there's probably not a lot of people left because I haven't paid anything, so they've probably just taken a funds from the super.\n\nI've I've lost three like that because I wasn't notified that where the supers were. I didn't even have a clue. Okay. The scope of advice, or do I tap on that other? Well, at the bottom of that content, it says page two.\n\nDo I have to touch that to open it? Yeah. Page three is underneath it. Oh, yeah. Yeah.\n\nYeah. Yeah. Sorry. Okay. Yep.\n\nYep. Alright. Yep. Well, yeah, sort of thing. I just I haven't had one under two years for a while, and I've sort of been wary of it.\n\nAnd then I I knew the Hester one had one, and I know it was 90 days, but, you know, ninety day wait, but it's better than nothing. Nah. You're pretty pretty close to it. Yep. Mhmm.\n\nI think I did. I think I did. Yep. That's that's by fire. Yeah.\n\nYep. Yep. Yeah. It's a t e one. Yep.\n\nYeah. Well, I actually told them the other week I'm thinking of canceling it and either changing it or I'm just gonna take out another one because I'm I'm wasting money there. I pay 400 I pay 400 and something a month for that. Yep. Yeah.\n\nI think I did. Yeah. Yeah. Yep. I don't think I'm down alright.\n\nYep. Yep. Okay. Yeah. I think so.\n\nYou said Pyscoofday? Is that the statement of voice? It is important to do as long as is that the that the one you do? No. I got four that's 14.\n\nOh, listen. Unless your page marks at the bottom. But yeah. Okay. So yeah.\n\nOkay. Yep. Yep. Yep. Yes.\n\nYep. Yep. Alright. Yep. Yep.\n\nThat'd have to be the 600 that'd have to be the 600 or 800 a week, wouldn't it? Yeah. Yep. Yep. Not.\n\nYep. Alright. Yep. Mhmm. Yep.\n\nSo the ones in the red that buy and sell, are they are they a loss? Or how does that work? Alright. Alrighty. Yep.\n\nYep. Yep. Mhmm. Yep. Yep.\n\nMhmm. Yep. Alright. What page are you on here and him? I just clicked in the 25.\n\nOkay. That's fine. Yep. Yep. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nNo. I don't think so. Yep. Yep. Yep.\n\nYep. What happened? Yep. Yeah. Well, see, I had another insurance inside of two years, and then I took that one out for an outside of two years in case something ever happened.\n\nAnd and then I've accidentally and I've had that other insurance since I was 18, and they changed their name. And when I found all these insurances together, I started trying them out. And I didn't recognize the name, and I threw the wrong one out. I had it I had it for nearly thirty years or so. Oh, I think that was just taken out anyway when when the when the paper was made because I didn't even know I had it.\n\nYeah. Well, I had one with that a bunch of years ago too, and then they I didn't even know I had it. And and I didn't know that Super was there. I've never been contacted over to Super. And the only time I heard from them was when they wanted more money for the insurance.\n\nI I lost the whole lot. Yeah. Well, that's happened about three times now. Yep. Well, I I actually had a broker for years, and the fella that used to do me broker, I got on to the fella that took over from him, and I said, oh, I want one.\n\nIt's just for an illness. And I know the money I earn, and half of them are never gonna cover that, what I earn anyway. And I said, all I want is something like if I fall over in the street or an illness. I said sort of capability of what I do for my job. I said all I wanted is something like that.\n\nI said, I know you can't get a cover that's gonna cover me for, you know, the the repayments would be ridiculous. Alright. Yep. Well, that's a that's a full disability one too. That's not you've gotta be incapacitated to go to work.\n\nYeah. That's the second one. Because that first session when I pay now, it's it's a disability one. That's what they told me. So I was unable to work through to that age.\n\nRight. Yep. Yep. Yeah. Yeah.\n\nYeah. Because I'm just I was just a bit over that. Obviously, I'm thinking I'm just a waste of money.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.39999998,"end":0.9,"sentiment":"neutral","sentiment_score":0.044400427490472794},{"text":"Ross speaking.","start":1.52,"end":2.34,"sentiment":"neutral","sentiment_score":0.039360033348202705},{"text":"Not too bad.","start":6.96,"end":7.8399997,"sentiment":"neutral","sentiment_score":0.3022843798001607},{"text":"Thanks.","start":7.8399997,"end":8.34,"sentiment":"positive","sentiment_score":0.4560757875442505},{"text":"Yourself?","start":8.4,"end":8.9,"sentiment":"neutral","sentiment_score":0.1910761594772339}],"sentiment":"neutral","sentiment_score":0.2096406975761056,"num_words":8,"start":0.39999998,"end":8.9},{"sentences":[{"text":"Yeah.","start":18.015,"end":18.255001,"sentiment":"neutral","sentiment_score":0.21418574452400208},{"text":"We'll give it a 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one?","start":334.415,"end":338.595,"sentiment":"neutral","sentiment_score":-0.1766322415608626},{"text":"Because the insurance was about to be canceled.","start":339.135,"end":341.695,"sentiment":"negative","sentiment_score":-0.34588760882616043},{"text":"So I left it up to you to see whether you could do something with it before they cancel it.","start":341.695,"end":346.35498,"sentiment":"neutral","sentiment_score":-0.23884152099490166},{"text":"Because that is the only insurance that I have on the two years.","start":346.58,"end":349.48,"sentiment":"neutral","sentiment_score":-0.07099288587386791},{"text":"That's what I told Hayden.","start":350.42,"end":351.78,"sentiment":"neutral","sentiment_score":-0.091826693713665}],"sentiment":"neutral","sentiment_score":-0.19020663416486674,"num_words":59,"start":334.415,"end":351.78},{"sentences":[{"text":"I'd not the Hayden.","start":351.78,"end":353.7,"sentiment":"neutral","sentiment_score":-0.18084058538079262},{"text":"What'd you 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Pyscoofday?","start":1186.05,"end":1186.87,"sentiment":"neutral","sentiment_score":0.002275468160708746},{"text":"Is that the statement of voice?","start":1196.61,"end":1202.575,"sentiment":"neutral","sentiment_score":-0.009103460858265558},{"text":"It is important to do as long as is that the that the one you do?","start":1203.275,"end":1207.455,"sentiment":"neutral","sentiment_score":-0.062211503740400076},{"text":"No.","start":1231.365,"end":1231.6849,"sentiment":"neutral","sentiment_score":-0.2036660760641098},{"text":"I got four that's 14.","start":1231.6849,"end":1233.385,"sentiment":"neutral","sentiment_score":-0.15083728432655336}],"sentiment":"neutral","sentiment_score":-0.06454938445841113,"num_words":31,"start":1186.05,"end":1233.385},{"sentences":[{"text":"Oh, listen.","start":1234.1649,"end":1234.825,"sentiment":"neutral","sentiment_score":-0.016748638823628426},{"text":"Unless your page marks at the 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have to be the 600 that'd have to be the 600 or 800 a week, wouldn't it?","start":1428.4551,"end":1433.55,"sentiment":"neutral","sentiment_score":0.016451624739501212},{"text":"Yeah.","start":1445.55,"end":1446.05,"sentiment":"neutral","sentiment_score":0.10688389837741852},{"text":"Yep.","start":1447.87,"end":1448.37,"sentiment":"neutral","sentiment_score":0.145933136343956},{"text":"Yep.","start":1460.895,"end":1461.395,"sentiment":"neutral","sentiment_score":-0.0016435037832707169},{"text":"Not.","start":1478.075,"end":1478.575,"sentiment":"neutral","sentiment_score":-0.12157690525054932}],"sentiment":"neutral","sentiment_score":0.01935117595448074,"num_words":22,"start":1428.4551,"end":1478.575},{"sentences":[{"text":"Yep.","start":1493.4601,"end":1493.9601,"sentiment":"neutral","sentiment_score":0.20992502570152283},{"text":"Alright.","start":1541.255,"end":1541.755,"sentiment":"neutral","sentiment_score":0.0647161453962326},{"text":"Yep.","start":1543.1749,"end":1543.6749,"sentiment":"neutral","sentiment_score":0.07895707339048386},{"text":"Mhmm.","start":1596.835,"end":1597.335,"sentiment":"neutral","sentiment_score":-0.03966354578733444},{"text":"Yep.","start":1706.705,"end":1707.205,"sentiment":"neutral","sentiment_score":-0.02175416424870491}],"sentiment":"neutral","sentiment_score":0.05843610689043999,"num_words":5,"start":1493.4601,"end":1707.205},{"sentences":[{"text":"So the ones in the red that buy and sell, are they are they a loss?","start":1707.505,"end":1714.34,"sentiment":"neutral","sentiment_score":-0.08592986990697682},{"text":"Or how does that work?","start":1715.2799,"end":1716.58,"sentiment":"neutral","sentiment_score":-0.09701216071844102},{"text":"Alright.","start":1720.48,"end":1720.98,"sentiment":"neutral","sentiment_score":-0.056202154606580734},{"text":"Alrighty.","start":1733.235,"end":1733.735,"sentiment":"neutral","sentiment_score":0.14388442039489746},{"text":"Yep.","start":1733.955,"end":1734.435,"sentiment":"neutral","sentiment_score":0.12257087230682372}],"sentiment":"neutral","sentiment_score":-0.06873689933369558,"num_words":24,"start":1707.505,"end":1734.435},{"sentences":[{"text":"Yep.","start":1734.435,"end":1734.935,"sentiment":"neutral","sentiment_score":0.14916950464248657},{"text":"Yep.","start":1738.515,"end":1739.015,"sentiment":"neutral","sentiment_score":0.14137978851795197},{"text":"Mhmm.","start":1761.055,"end":1761.555,"sentiment":"neutral","sentiment_score":0.06060595437884331},{"text":"Yep.","start":1778.6,"end":1779.1,"sentiment":"neutral","sentiment_score":0.15201881527900696},{"text":"Yep.","start":1831.75,"end":1832.25,"sentiment":"neutral","sentiment_score":0.17062418162822723}],"sentiment":"neutral","sentiment_score":0.1347596488893032,"num_words":5,"start":1734.435,"end":1832.25},{"sentences":[{"text":"Mhmm.","start":1862.04,"end":1862.54,"sentiment":"neutral","sentiment_score":0.05292341858148575},{"text":"Yep.","start":1926.025,"end":1926.525,"sentiment":"neutral","sentiment_score":0.11740931123495102},{"text":"Alright.","start":1961.53,"end":1962.03,"sentiment":"neutral","sentiment_score":0.025608595460653305},{"text":"What page are you on here and him?","start":1963.05,"end":1964.81,"sentiment":"neutral","sentiment_score":0.009268019115552306},{"text":"I just clicked in the 25.","start":1964.81,"end":1967.15,"sentiment":"neutral","sentiment_score":-0.010066244595994553}],"sentiment":"neutral","sentiment_score":0.012334588860325953,"num_words":17,"start":1862.04,"end":1967.15},{"sentences":[{"text":"Okay.","start":1971.235,"end":1971.635,"sentiment":"neutral","sentiment_score":0.06391653418540955},{"text":"That's fine.","start":1971.635,"end":1972.4349,"sentiment":"neutral","sentiment_score":0.13657481968402863},{"text":"Yep.","start":1972.4349,"end":1972.9349,"sentiment":"neutral","sentiment_score":0.11799722909927368},{"text":"Yep.","start":1980.195,"end":1980.6749,"sentiment":"neutral","sentiment_score":0.08240409195423126},{"text":"Yep.","start":1980.6749,"end":1981.1749,"sentiment":"neutral","sentiment_score":0.1204296052455902}],"sentiment":"neutral","sentiment_score":0.10964951664209366,"num_words":6,"start":1971.235,"end":1981.1749},{"sentences":[{"text":"Yep.","start":2004.505,"end":2004.985,"sentiment":"neutral","sentiment_score":0.11114327609539032},{"text":"Yep.","start":2004.985,"end":2005.485,"sentiment":"neutral","sentiment_score":0.07612635940313339},{"text":"Yep.","start":2015.99,"end":2016.49,"sentiment":"neutral","sentiment_score":0.04217078536748886},{"text":"Yep.","start":2017.4299,"end":2017.9299,"sentiment":"neutral","sentiment_score":0.022155383601784703},{"text":"Yep.","start":2053.355,"end":2053.855,"sentiment":"neutral","sentiment_score":0.13563652336597443}],"sentiment":"neutral","sentiment_score":0.07744646556675434,"num_words":5,"start":2004.505,"end":2053.855},{"sentences":[{"text":"No.","start":2058.2349,"end":2058.555,"sentiment":"neutral","sentiment_score":-0.1353009045124054},{"text":"I don't think so.","start":2058.555,"end":2059.615,"sentiment":"neutral","sentiment_score":-0.16015340387821198},{"text":"Yep.","start":2071.4202,"end":2071.9202,"sentiment":"neutral","sentiment_score":0.1274416297674179},{"text":"Yep.","start":2118.4548,"end":2118.9548,"sentiment":"neutral","sentiment_score":0.08027993142604828},{"text":"Yep.","start":2124.15,"end":2124.65,"sentiment":"neutral","sentiment_score":0.08286873996257782}],"sentiment":"neutral","sentiment_score":-0.06066552735865116,"num_words":8,"start":2058.2349,"end":2124.65},{"sentences":[{"text":"Yep.","start":2165.44,"end":2165.94,"sentiment":"neutral","sentiment_score":0.15270958840847015},{"text":"What happened?","start":2175.875,"end":2176.535,"sentiment":"neutral","sentiment_score":-0.05177741218358278},{"text":"Yep.","start":2188.6401,"end":2189.1401,"sentiment":"neutral","sentiment_score":0.07623738050460815},{"text":"Yeah.","start":2206.9749,"end":2207.295,"sentiment":"neutral","sentiment_score":0.007969118654727936},{"text":"Well, see, I had another insurance inside of two years, and then I took that one out for an outside of two years in case something ever happened.","start":2207.295,"end":2215.2,"sentiment":"neutral","sentiment_score":-0.03522853174113801}],"sentiment":"neutral","sentiment_score":-0.02584962501670375,"num_words":33,"start":2165.44,"end":2215.2},{"sentences":[{"text":"And and then I've accidentally and I've had that other insurance since I was 18, and they changed their name.","start":2215.98,"end":2222.72,"sentiment":"neutral","sentiment_score":-0.06366683468222618},{"text":"And when I found all these insurances together, I started trying them out.","start":2222.94,"end":2227.155,"sentiment":"neutral","sentiment_score":-0.028974166713081874},{"text":"And I didn't recognize the name, and I threw the wrong one out.","start":2228.355,"end":2233.735,"sentiment":"neutral","sentiment_score":-0.2788782933583626},{"text":"I had it I had it for nearly thirty years or so.","start":2235.475,"end":2238.295,"sentiment":"neutral","sentiment_score":-0.06601590197533369},{"text":"Oh, I think that was just taken out anyway when when the when the paper was made because I didn't even know I had it.","start":2263.5452,"end":2271.6301,"sentiment":"neutral","sentiment_score":-0.13996672719717027}],"sentiment":"neutral","sentiment_score":-0.11526238166513932,"num_words":83,"start":2215.98,"end":2271.6301},{"sentences":[{"text":"Yeah.","start":2279.6902,"end":2279.9302,"sentiment":"neutral","sentiment_score":-0.05748505145311355},{"text":"Well, I had one with that a bunch of years ago too, and then they I didn't even know I had it.","start":2279.9302,"end":2285.365,"sentiment":"neutral","sentiment_score":-0.02911991278894923},{"text":"And and I didn't know that Super was there.","start":2286.545,"end":2288.705,"sentiment":"neutral","sentiment_score":-0.06872395715779728},{"text":"I've never been contacted over to Super.","start":2288.705,"end":2290.885,"sentiment":"neutral","sentiment_score":-0.14363560293401992},{"text":"And the only time I heard from them was when they wanted more money for the insurance.","start":2291.825,"end":2296.565,"sentiment":"neutral","sentiment_score":-0.13616472701816}],"sentiment":"neutral","sentiment_score":-0.08280157726923269,"num_words":56,"start":2279.6902,"end":2296.565},{"sentences":[{"text":"I I lost the whole lot.","start":2296.785,"end":2298.325,"sentiment":"neutral","sentiment_score":-0.30955970287323},{"text":"Yeah.","start":2307.18,"end":2307.5,"sentiment":"neutral","sentiment_score":-0.12147743999958038},{"text":"Well, that's happened about three times now.","start":2307.5,"end":2309.68,"sentiment":"neutral","sentiment_score":-0.197958733354296},{"text":"Yep.","start":2316.555,"end":2317.055,"sentiment":"neutral","sentiment_score":-0.08585719764232635},{"text":"Well, I I actually had a broker for years, and the fella that used to do me broker, I got on to the fella that took over from him, and I said, oh, I want one.","start":2340.835,"end":2351.5198,"sentiment":"neutral","sentiment_score":-0.03709335537213418}],"sentiment":"neutral","sentiment_score":-0.09383852513251352,"num_words":51,"start":2296.785,"end":2351.5198},{"sentences":[{"text":"It's just for an illness.","start":2351.5198,"end":2352.9,"sentiment":"neutral","sentiment_score":-0.07922064512968063},{"text":"And I know the money I earn, and half of them are never gonna cover that, what I earn anyway.","start":2353.2798,"end":2358.5798,"sentiment":"neutral","sentiment_score":-0.1294906934723258},{"text":"And I said, all I want is something like if I fall over in the street or an illness.","start":2359.92,"end":2363.94,"sentiment":"neutral","sentiment_score":-0.11900610359091508},{"text":"I said sort of capability of what I do for my job.","start":2364.765,"end":2368.545,"sentiment":"neutral","sentiment_score":-0.02746279366935293},{"text":"I said all I wanted is something like that.","start":2369.085,"end":2370.765,"sentiment":"neutral","sentiment_score":-0.04897356571422683}],"sentiment":"neutral","sentiment_score":-0.09257459505819357,"num_words":65,"start":2351.5198,"end":2370.765},{"sentences":[{"text":"I said, I know you can't get a cover that's gonna cover me for, you know, the the repayments would be ridiculous.","start":2370.765,"end":2377.905,"sentiment":"neutral","sentiment_score":-0.2042473778128624},{"text":"Alright.","start":2396.9849,"end":2397.4849,"sentiment":"neutral","sentiment_score":-0.17761996388435364},{"text":"Yep.","start":2434.82,"end":2435.32,"sentiment":"positive","sentiment_score":0.5370991230010986},{"text":"Well, that's a that's a full disability one too.","start":2449.875,"end":2452.835,"sentiment":"neutral","sentiment_score":-0.3270949721336365},{"text":"That's not you've gotta be incapacitated to go to work.","start":2452.835,"end":2456.375,"sentiment":"negative","sentiment_score":-0.3431599818170071}],"sentiment":"neutral","sentiment_score":-0.24440506325904712,"num_words":43,"start":2370.765,"end":2456.375},{"sentences":[{"text":"Yeah.","start":2462.4001,"end":2462.8,"sentiment":"neutral","sentiment_score":-0.05924435332417488},{"text":"That's the second one.","start":2462.8,"end":2464.1,"sentiment":"neutral","sentiment_score":-0.02841863688081503},{"text":"Because that first session when I pay now, it's it's a disability one.","start":2465.04,"end":2470.5,"sentiment":"neutral","sentiment_score":-0.04598470891897495},{"text":"That's what they told me.","start":2470.8801,"end":2472.26,"sentiment":"neutral","sentiment_score":-0.1127943143248558},{"text":"So I was unable to work through to that age.","start":2473.335,"end":2476.795,"sentiment":"neutral","sentiment_score":-0.25301110222935674}],"sentiment":"neutral","sentiment_score":-0.11711523365793806,"num_words":33,"start":2462.4001,"end":2476.795},{"sentences":[{"text":"Right.","start":2489.16,"end":2489.66,"sentiment":"neutral","sentiment_score":0.05083267390727997},{"text":"Yep.","start":2522.04,"end":2522.54,"sentiment":"neutral","sentiment_score":0.04445488005876541},{"text":"Yep.","start":2533.965,"end":2534.465,"sentiment":"neutral","sentiment_score":-0.008565600961446762},{"text":"Yeah.","start":2538.5251,"end":2539.0051,"sentiment":"neutral","sentiment_score":0.00553010031580925},{"text":"Yeah.","start":2539.0051,"end":2539.5051,"sentiment":"neutral","sentiment_score":0.01637422665953636}],"sentiment":"neutral","sentiment_score":0.021725255995988846,"num_words":5,"start":2489.16,"end":2539.5051},{"sentences":[{"text":"Yeah.","start":2539.645,"end":2539.965,"sentiment":"neutral","sentiment_score":-0.014255527406930923},{"text":"Because I'm just I was just a bit over that.","start":2539.965,"end":2542.605,"sentiment":"neutral","sentiment_score":-0.28081915974617006},{"text":"Obviously, I'm thinking I'm just a waste of money.","start":2542.605,"end":2545.0251,"sentiment":"negative","sentiment_score":-0.36218882103761035}],"sentiment":"neutral","sentiment_score":-0.30410732571035626,"num_words":20,"start":2539.645,"end":2545.0251}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Ross speaking.\n\nChannel 0: Good morning, Rob. This is Veronica from Oakview Financial. How are you this morning?\n\nChannel 1: Not too bad. Thanks. Yourself?\n\nChannel 0: Just so bad. Yeah. I'm well. Thank you. I had you booked in to go over your strategy recommendations with you.\n\nIs now still a good time?\n\nChannel 1: Yeah. We'll give it a go.\n\nChannel 0: Yeah. Alright. I will try to keep it quick for you. Now just before I go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay with you.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep.\n\nChannel 1: No\n\nChannel 0: Perfect.\n\nChannel 1: worries.\n\nChannel 0: And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me,\n\nChannel 1: Yep. Rob Leslie Flynn. 07/08 to the\n\nChannel 0: please?\n\nChannel 1: third nineteen sixty nine.\n\nChannel 0: Yep.\n\nChannel 1: Address is 55 Forbes Road, Cooomba 4503. What else do I have to do?\n\nChannel 0: Yep. No. That's it. That's everything. Thank you so much for that.\n\nNow do you have access to your emails at the moment? If\n\nChannel 1: I\n\nChannel 0: you\n\nChannel 1: probably can. I'm just just\n\nChannel 0: yeah?\n\nChannel 1: pulling some earpieces the other day. I'm just trying to rig them up so I can walk\n\nChannel 0: If\n\nChannel 1: and\n\nChannel 0: you,\n\nChannel 1: talk to you.\n\nChannel 0: yeah, if you quit, that would be good because what I'm doing is I'm just sending you an email right now with the the SOA to go through with you. And because there are a couple of things. It does make it easier for you if you can get it up at the same time even if it's just on your phone. But if you can't, I can always run through it with you, and then you can have a look through it later. It is up to you.\n\nChannel 1: Right. Hang on. I'll just see if I can get this ready. I'm coming here. I'll see if I can get this working out.\n\nI've only just bought them and had them on me.\n\nChannel 0: It's like that sometimes.\n\nChannel 1: I don't have a shirt pocket to put my shirt. I mean, fine in the morning, so otherwise, I gotta carry it. Why is it not coming up? It help it it would help if I have the directions for it too, wouldn't it? I'm just gonna see whether it's gonna come up.\n\nChannel 0: Okay. Yep. Take your time. I have just sent it to you, so it might take a couple of minutes anyway. So see how you go.\n\nAnd like I said, if you can't, I can always run through it with you.\n\nChannel 1: Alright. Give me a sec. I'll go up here and have a bit of a look.\n\nChannel 0: Yeah.\n\nChannel 1: Yep. Okay. I've got a signature request. Is that the one?\n\nChannel 0: Yes. Yes. So we have recently changed over to a new software, so it might look a little bit different than usual. Essentially, before you click on the link, you will see that there are a number of attachments if you scroll down in the email. Can you see those?\n\nChannel 1: Hang on. This bloody thing still is almost I must have I must have cut spare. You there?\n\nChannel 0: Yes.\n\nChannel 1: Okay. Very quiet. There we go. You there now?\n\nChannel 0: Yes. Yeah. I can hear you, Rod. Can you hear me?\n\nChannel 1: Okay. Well, that's a bit better. I've got you in one here anyway, but\n\nChannel 0: Okay.\n\nChannel 1: oh,\n\nChannel 0: That's\n\nChannel 1: the\n\nChannel 0: okay.\n\nChannel 1: other one\n\nChannel 0: I was\n\nChannel 1: was\n\nChannel 0: wondering.\n\nChannel 1: saying it wasn't charged, so I'm just trying to get it.\n\nChannel 0: No. That's okay.\n\nChannel 1: Okay.\n\nChannel 0: Can you see those attachments there? So before you click on the link, there will be a couple of attachments. You don't have to open all of them. But can you see that there are a number of attachments there in the email for you?\n\nChannel 1: Down the bottom,\n\nChannel 0: Yes. Yes.\n\nChannel 1: just in\n\nChannel 0: Yes.\n\nChannel 1: little lines, it says was it onecarepopods.pdf?\n\nChannel 0: Yep. Yes.\n\nChannel 1: Statement advice,\n\nChannel 0: Yes. If you can click\n\nChannel 1: service\n\nChannel 0: on one\n\nChannel 1: guide.\n\nChannel 0: for\n\nChannel 1: Which\n\nChannel 0: me,\n\nChannel 1: one\n\nChannel 0: the\n\nChannel 1: do you\n\nChannel 0: state\n\nChannel 1: want?\n\nChannel 0: the statement of advice.\n\nChannel 1: Alright.\n\nChannel 0: Yep. Can you see that okay now?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. So I'll just go through it here with you because it's easier for you as well. You can see everything. Now this is basically the document that contains the recommendations I'm going through. So this is the important one.\n\nNow the other attachments that was there, a lot of it is for research and to show you, obviously, backing up the recommendations, that information about the insurance policy, and an updated financial services guide and mainly a lot of the research is there for you. So if you click on the link later, it will then those are the documents that needs signing. But before that, I'll just go through the actual statement of advice here with you, obviously, to make sure you're happy with everything before we kind of, you know, see if we wanna do that further. Okay?\n\nChannel 1: Mhmm.\n\nChannel 0: Yep. So as you can see here on the the front page, the the purpose of, obviously, everything today is to try to get all your supers consolidated, start contributing to super for you, and then sorting out your insurances. Because at the moment, you do have quite a few super funds, and we will now obviously tryna streamline that as much as we can for you. And\n\nChannel 1: Yep.\n\nChannel 0: you're in that position where your\n\nChannel 1: So\n\nChannel 0: money's gonna grow\n\nChannel 1: okay.\n\nChannel 0: the most.\n\nChannel 1: Do you know whether you guys have done anything with that Hector one? Because the insurance was about to be canceled. So I left it up to you to see whether you could do something with it before they cancel it.\n\nChannel 0: Yes.\n\nChannel 1: Because that is the only insurance that I have on the two years.\n\nChannel 0: Yes.\n\nChannel 1: That's\n\nChannel 0: Exactly.\n\nChannel 1: what I told Hayden. I'd not the Hayden. What'd you say?\n\nChannel 0: Caden?\n\nChannel 1: Hayden.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Do you do you know\n\nChannel 1: Yeah. Yeah. So\n\nChannel 0: when when they told you that it will be canceled? Just so I know the time frame roughly or not sure.\n\nChannel 1: I was on an email. I think it was the middle of this month or something.\n\nChannel 0: Okay. Well, we\n\nChannel 1: Because\n\nChannel 0: wanna\n\nChannel 1: we\n\nChannel 0: obviously\n\nChannel 1: haven't been\n\nChannel 0: make\n\nChannel 1: because we haven't been\n\nChannel 0: yeah.\n\nChannel 1: contributing to it. I would\n\nChannel 0: Exactly.\n\nChannel 1: say there's probably not a lot of there's probably not a lot of people left because I haven't paid anything, so they've probably just taken a\n\nChannel 0: Yep.\n\nChannel 1: funds from the super. I've I've\n\nChannel 0: Yes.\n\nChannel 1: lost three like that because I wasn't notified that where the supers were. I didn't even have a clue.\n\nChannel 0: Yeah. Well, that's their purpose today is to get everything sorted. Now I will just flag that as well because we wanna make we sort your insurances out before that. But I have done a recommendation in regards to all your insurances as well. So we will go through everything here.\n\nI'll try to get quick for you, but, essentially, the cover page, obviously, pretty straightforward. I have obviously put together this strategy for you, Rod, that our best believe are going to achieve your goals and your objective. But at the end of the day, you know, they are just recommendations. It is completely up to you if you do wanna go ahead with it or not at the end of the day. Now this statement of advice as well is valid for sixty days.\n\nSo, you know, we obviously wanna get things sorted as soon as possible. You have a bit of time, though, to take your time to read over it. Any questions, let me know. But, otherwise, it will expire in sixty days. And you will also have my details listed on the on the cover page there for you.\n\nYou'll also have my license number listed as well, and I am licensed under OU Financial. Now if you wanna scroll to the second page for me, you will see a little section where it says best interest duty. Can you see that? It should be just after the cover page.\n\nChannel 1: Okay. The scope of advice, or do I\n\nChannel 0: You've\n\nChannel 1: tap on that other?\n\nChannel 0: no. You can stay there. You have scrolled a little bit just two pages too far, but that's okay. You can stay there, essentially.\n\nChannel 1: Well, at the bottom of that content, it says\n\nChannel 0: Yes?\n\nChannel 1: page two. Do I have to touch that to open it?\n\nChannel 0: No. You should be able to just scroll scroll where you are right now in the attachment, in the the documents. So if you say scope of advice, that would be at the bottom, do you see page three on that page?\n\nChannel 1: Yeah. Page three is underneath\n\nChannel 0: Yes.\n\nChannel 1: it.\n\nChannel 0: Yes. So you wanna scroll up two pages for me, the heading should say this document and best interest duties just before the table of content.\n\nChannel 1: Oh, yeah. Yeah. Yeah. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Sorry.\n\nChannel 0: Yep.\n\nChannel 1: Okay.\n\nChannel 0: No. That's okay. Now this here basically just outlines their best interest duty. And, essentially, what that means is that we have to act in your best interest at all time, and the advice itself has to put you in a better position as a result of the advice. Otherwise, we can't actually make the recommendations.\n\nOkay? Does that make\n\nChannel 1: Yep.\n\nChannel 0: sense? Yep.\n\nChannel 1: Yep.\n\nChannel 0: Now next page, table of content, pretty self explanatory. Everything we are going over today, so bear with me as I go through this with you, which then takes us to that page three scope of advice. Now if you do have any questions as as I go through it as well, just feel free to interrupt me and ask away.\n\nChannel 1: Alright.\n\nChannel 0: Yep. You can see that scope of advice now.\n\nChannel 1: Yep.\n\nChannel 0: Yep. So, essentially, our main focus was to sort out your insurances. Sorry. Your superannuation. So, ultimately, you can retire ideally between 60 and 65 and draw that weekly income of about $1,000 per week, consolidate everything, and then maximize growth as much as possible for you in the interest.\n\nSo that's what we are focusing on today. Now the next thing is your insurances. That is page four. So having a look at your income protection and that total permanent disability to make sure that you do have protection in place if something were to happen to you. Now I haven't made a recommendation on trauma cover.\n\nLast time we spoke, you mentioned that you weren't really interested in trauma. It is a policy you have to pay for out of pocket, and you were trying to kind of minimize your out of pocket expenses. Does that all ring a bell?\n\nChannel 1: Well, yeah, sort of thing. I\n\nChannel 0: Yeah.\n\nChannel 1: just I haven't had one under two years for a while, and I've sort of been wary of it. And then I I\n\nChannel 0: Yeah.\n\nChannel 1: knew the Hester one had one, and I know it was 90 days, but,\n\nChannel 0: Yes.\n\nChannel 1: you know, ninety day wait, but it's better than nothing.\n\nChannel 0: Yes. Exactly. So I will go through all of the the insurances for you. So, basically, the next page is then you have page five. So you can see the actual strategies listed in a table there for you, what we are looking at doing.\n\nBut I'll go through these in details as we go through it for you. Now the next two pages are just some information about you. Could you just have a quick read over that for me just to make sure that's pretty up to date or if I need to make any changes in the back end for you?\n\nChannel 1: Nah. You're pretty pretty close to it.\n\nChannel 0: Pretty pretty good. Yep. Perfect. Which then takes us through page eight. The heading says your current superannuation.\n\nChannel 1: Yep.\n\nChannel 0: Yep. So as you can see here, you do have quite a few in super funds at the moment. You have, obviously, your Netwealth where you have the most amount of money. You also have your, brighter super. You have Asgard.\n\nYou have HESTA and then, Australian Retirement Trust. Now\n\nChannel 1: Mhmm.\n\nChannel 0: at the moment, you can see all your balances there. So like you mentioned as well, has currently has about 451 in there, and then you see all the other balances listed there for you as well. Now underneath that is then your current insurance policy. So you have AIA insurance paid currently from Ascot. So that is a life insurance policy.\n\nDid you know about that one?\n\nChannel 1: I think I did. I\n\nChannel 0: Yeah.\n\nChannel 1: think I\n\nChannel 0: Yeah. So that is a live policy, and that's that\n\nChannel 1: did.\n\nChannel 0: will pay $8,816,098, and it is costing you 4,360 per year currently coming out of Ascot for that insurance policy that life insurance policy. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Now underneath that as well, you will see your HESTA. So you have life insurance in HESTA as well, about 46,500. You have income protection as well. So like you mentioned, ninety day wait. It is a five year benefit period, but the monthly amount is only a thousand dollars.\n\nChannel 1: That's that's by fire. Yeah.\n\nChannel 0: Yes. So they would pay a thousand dollars a month for income replacement if something were to happen.\n\nChannel 1: Yep.\n\nChannel 0: You then also have your other income protection policy with Astron. So that one will pay you a monthly amount of 3,956. Now\n\nChannel 1: Yep.\n\nChannel 0: the waiting period, like you said as well, it is quite long. It's seven hundred and thirty days.\n\nChannel 1: Yeah.\n\nChannel 0: And\n\nChannel 1: It's a t e one. Yep.\n\nChannel 0: exactly. Now the benefit period for that one is up to the age of 65.\n\nChannel 1: Yeah.\n\nChannel 0: And\n\nChannel 1: Well, I actually told them the other week I'm thinking of canceling it and either changing it or I'm just gonna take out another one because I'm I'm wasting money there.\n\nChannel 0: yeah. So I have\n\nChannel 1: I\n\nChannel 0: done\n\nChannel 1: pay 400\n\nChannel 0: research.\n\nChannel 1: I pay 400 and something a month for that.\n\nChannel 0: Yeah. And I have made a recommendation on that for you. As a suggestion, again, up to you what you wanna do, but I have made a recommendation on how to change it. Now, currently, you are paying 5,148 per year out of pocket for that policy.\n\nChannel 1: Yep.\n\nChannel 0: Okay? Yes. Now the next two pages is a little bit of information in regards to your risk profile. Did you did you remember that kind of risk profile questionnaire we did, all those multiple choice questions on how you feel about risk and fluctuations and stuff.\n\nChannel 1: Yeah. I think I did. Yeah. Yeah.\n\nChannel 0: Yeah. So, essentially, you came out as a growth investor. At the moment, you said you you are kind of happy seeing a little bit of fluctuation to try to maximize that growth for you, but you still want a little bit of a defensive portion as well. So we are looking about that 80% in your growth investment. So that is your Australian equity, your international equities, and property as well, and that is what's going to maximize those returns for you, and then about 20% in more defensive assets like your cash, your gold, and your fixed interest.\n\nSo this just kind of gives you a little bit more information in regards to what that risk profile is for you. Now if you can then scroll to page 12 for me there, Rod, the heading should say strategy recommendations.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. So I've done research on all your current super funds and which one is going to be the best for you and also alternatives. So, you know, making sure that the the superannuation that we are consolidating you to, if possible, is the one that is ultimately going to give you the best returns and put you in the best position for retirement. So after doing all of all of that, I do recommend that we consolidate into NatWest. So NatWest is the one that you currently have the most amount of money into.\n\nIt is the one that has the most flexibility with your investment so we can achieve more when it comes to your return. Now it is a little bit more expensive than some of the other super funds, but what we can do with the investment kind of outweigh that as well, which I will show you on the next couple of pages. Do you have any questions so far otherwise?\n\nChannel 1: I don't think I'm down alright.\n\nChannel 0: Yep. Okay. Perfect. Now I did consider other options to Netwealth as well. There was one competitor that was pretty close.\n\nBut because your Netwealth has grown quite a bit, which is great, if we wanted to change that, it would mean that you would have to pay a bit of capital gains tax on your earnings in net wealth, and, you know,\n\nChannel 1: Yep.\n\nChannel 0: the minimal saving in fee just wasn't worth it. But that's not to say, you know, it's always going to be the best option. We always do research to make sure that, you know, the super funds that we recommend for you is the best one. You know, there is no tie to Netwealth or anything like that. It's just the one that's, at the moment, going to keep you in the best position.\n\nSo this basically just kind of breaks breaks down all of that for you. Now on the next couple of pages, know it's quite wordy. A lot of it is the complaints, but it's also to make sure that you fully understand everything, is you will see a little table outlining the advantages in regards to the recommendation of consolidating your super and then the disadvantages and warnings to be mindful of as well. So as you can see, obviously, an advantage is it makes it a lot easier for you. Everything is in one place.\n\nIt will grow your super the most. We're also updating your investments to try to improve the returns for you. You are, by doing it, saving quite a bit in investment fees and But a downside by consolidating is that, obviously, in the process of transferring the money, so, obviously, you'll you'll sell down to cash. We will do all of that for you, transfer everything over. Know, there is a potential for a little bit of growth loss in that time frame.\n\nTend to happen pretty quickly, but, obviously, something for you to be aware of as well.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Now, again, as you kind of scroll through, you will see, you know, some warning and alternative. So a warning is that, you know, there is no guarantee what's going to happen to the investment. You know, we can't predict what is going to happen in the future, but that is also why when we are\n\nChannel 1: Okay.\n\nChannel 0: doing the research, we make sure we do extensive research to give you as much, you know, clarity as we can. You're following so far, Rod?\n\nChannel 1: Yeah. I think so.\n\nChannel 0: Yeah. Yep. I know. I noticed. It'll it'll makes more sense when I'll show you a table where it shows.\n\nThis is just kind of like the wording just so you can have a read over it, make sure you understand everything. On the next pages, so I am on page 15 at the moment. The heading says make a tax deductible concessional contribution interest surfer. Can you see that?\n\nChannel 1: You said Pyscoofday?\n\nChannel 0: Yes, please.\n\nChannel 1: Is that the statement of voice? It is important to do as long as is that the that the one you do?\n\nChannel 0: It will be they had there should be a on page 15 on that statement of advice, it's a it's a blue heading, and it says at the top that Rods make a tax deductible. Can you see that? Yeah? Or what can you see? And I can\n\nChannel 1: No.\n\nChannel 0: kind of\n\nChannel 1: I\n\nChannel 0: direct\n\nChannel 1: got\n\nChannel 0: you\n\nChannel 1: four\n\nChannel 0: through.\n\nChannel 1: that's 14. Oh, listen. Unless your\n\nChannel 0: Next\n\nChannel 1: page\n\nChannel 0: one?\n\nChannel 1: marks at the bottom. But yeah.\n\nChannel 0: Yes. Yeah. It's kind of weird because the factors the actual pages on, like, the program you're using will factor in the cover page. But if you look at the bottom of the page, it's, like, one page off.\n\nChannel 1: Okay. So yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Okay.\n\nChannel 0: Yeah. You're you're with me now?\n\nChannel 1: Yep.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: So you mentioned as well that you obviously want to start making contributions into superannuation to try to grow that for you because it's something you haven't really been doing. So we do wanna, you know, make sure we can do that for you. Last time, you mentioned that you're happy to start contributing about $200 a week as\n\nChannel 1: Yep.\n\nChannel 0: a starting point. Yep. So I have just shown you basically what that would look like. Now the way that you would do that, obviously, as being self employed, we would give you all the the documents on on how to do it is that because of, obviously, employment situation, you would typically make the contributions from your bank account. Like, you can do it\n\nChannel 1: Yes.\n\nChannel 0: straight bank account. Now because it's from your bank account, it's money that you've already paid tax on. So\n\nChannel 1: Yep.\n\nChannel 0: what we will then help you do is that because money in superannuation is only taxed at 15%. And at the moment, with your high income, you can be taxed up to that 45% and the medical levy. So, obviously, a lot more. So\n\nChannel 1: Yep.\n\nChannel 0: the way that we can do that for you is that you obviously make the contributions from your bank account. But before the end of this financial year, we would help you in superannuation. It's just a form. We will basically help you kinda claim some of that tax back because you don't wanna be double taxed, and we wanna save a little bit because there is a concession by making that contribution into Superbump. It might sound a bit complex, but, essentially, by doing it, it just means that you will save a little bit and not having to pay tax on, you know, after tax money.\n\nIt will be counted as pretax money for you. Yep. Essentially, though, it would mean\n\nChannel 1: Alright.\n\nChannel 0: that you are making $200 per week into superannuation to grow that as much as possible. And if you can save a little bit on tax as well, that's also a good thing.\n\nChannel 1: Yep.\n\nChannel 0: Now that just outlines again for you the outcomes in regards to it. It will break it down in a little bit more because I know it's quite a lot to take in, you know, how it works with the taxing. Something to be mindful of is the contribution cap. But you're trying to take advantage of, you know, the tax savings. There is a cap on 30,000 per year.\n\nSo at the moment, doing $2,200 a week, you are well under that cap, so that's great.\n\nChannel 1: Yep.\n\nChannel 0: If anything changes, though, and you call me and you go, you know what? I wanna put more in, that's okay. Just call me. I'll do the math for you because we wanna make sure you don't exceed that amount if you do wanna save on tax. If you'd wanna do it after\n\nChannel 1: That'd\n\nChannel 0: tax,\n\nChannel 1: have\n\nChannel 0: there\n\nChannel 1: to be\n\nChannel 0: is\n\nChannel 1: the 600 that'd have to be the 600 or 800 a week, wouldn't it?\n\nChannel 0: yeah. It's it's a it's a lot more. So there is plan there's plenty of space. But if for for some you know, something happens or, you know, you you win the lottery or something and you just go, hey. I wanna put a little bit more in.\n\nThat's fine. Just call me first so\n\nChannel 1: Yeah.\n\nChannel 0: I can I can do that math for you?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Perfect. Obviously, at this advantage, to be mindful of that money that you put into superannuation, it will be locked in until you meet a condition of release. So\n\nChannel 1: Yep.\n\nChannel 0: that would be, for example, if you turn 60 and stop working or 65. So that's obviously kind of the downside, but the good thing is they then, you know, boost your superannuation and assist in your retirement savings. Any questions so far?\n\nChannel 1: Not.\n\nChannel 0: None? Okay. Perfect. Now if you can then scroll through page page 17, the 17 of page number on the page, the heading should say recommended investment.\n\nChannel 1: Yep.\n\nChannel 0: Yep. So this can be a little bit messy as well, so I'll kinda keep it easy for you. Essentially, the first table shows you your current investment. So you see Brighter Super, for example, you see you are a 100% invested in one of their options. You then have your Ascot.\n\nYou can see how you are invested in Ascot. You have HESTA, how you are invested in HESTA, and then you have your Australian Retirement Trust and how you are invested in there. And then you also have your network current portfolio listed. Now if you wanna then scroll through the next page, so page 19, the heading will say recommended\n\nChannel 1: Alright.\n\nChannel 0: investment. Yep?\n\nChannel 1: Yep.\n\nChannel 0: Again, it it's a table that can look a little bit messy, but, essentially, I have made some recommendations on changing some of your investments. Now we still wanna keep everything in Netwealth. We still wanna keep your risk profile as your growth, but some of the investments in Netwealth, there there is one in particular, the Benelong Australian Equities has underperformed a little bit. So do we do wanna swap that one out to one that is doing a little bit better for you. So you can kind of see a few changes.\n\nSo the investment philosophy stays the same. The concept, everything stays the same. It is just changing some of your investments. So you can kind of see on this table how it's changing and then the target weight. But,\n\nChannel 1: Mhmm.\n\nChannel 0: essentially, to try to keep it as easy as I can for you, your foundation of your portfolio, which is, like, what we would call your core portfolio, those are kind of the investments that kind of form the the basis of portfolio. So these are your biggest investments. So you will see, for example, the IHS S and P 500. Now that one is at 30%. You already have it in your current portfolio.\n\nIt's doing really well. It's just quietly just realigning it with you. But just for your reference, with that one single investment, it is invested in the 500 biggest companies listed in The US in just one of that. So, obviously, very diversified for you. But at the same time, we don't wanna just have you in one market or one sector, one industry.\n\nWe wanna diversify things for you. So we also have you can see 20% in beta health Australia 200. So that will give you the Australian equity exposure. We have you in a little bit of Europe, a little bit of Japan, and then a little bit around different investments around the world. And, again, that is just because we don't want to just concentrate it in one industry or or one area of the world.\n\nWe wanna diversify things for you. But then we also wanna have, you know, a little bit of that defensive proportion to kinda limit that for you a little bit. So we are still keeping gold as your defensive at 10%. It's done really well, so we wanna keep that for you. And then we have, you know, some fixed interest, a little bit of cybersecurity, and and stuff in there for you as well.\n\nSo it's So it's fairly similar to what you were having in Netwealth. It's just swapping out some that were kind of underperforming a little bit. The other\n\nChannel 1: Yep.\n\nChannel 0: option\n\nChannel 1: So the ones\n\nChannel 0: that's\n\nChannel 1: in the red that\n\nChannel 0: yes.\n\nChannel 1: buy and sell, are they are they a loss?\n\nChannel 0: Yes.\n\nChannel 1: Or\n\nChannel 0: No.\n\nChannel 1: how\n\nChannel 0: That's\n\nChannel 1: does\n\nChannel 0: just\n\nChannel 1: that work?\n\nChannel 0: the no. That's just what what we are swapping out. So that is just\n\nChannel 1: Alright.\n\nChannel 0: saying that we are selling those investments, and then you can see kind of at the bottom of there where it says buy, sell, and there's, like, a zero on the current. Those are what we then were buying into instead.\n\nChannel 1: Alrighty. Yep.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Just kind of showing you how it's changing, essentially.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Now the next page will show you the asset allocation. That is kind of talking about that growth portfolio. So portfolio. So like I mentioned, we're not changing it.\n\nWe're keeping that the same, about that eighty twenty split for you. But it just shows you that on on paper, essentially. Now what most people find the most interesting is then your page 21.\n\nChannel 1: Mhmm.\n\nChannel 0: Find the most interesting is then your page 21, which if you use the bottom page, now this can look quite messy. But this is the one that has the the table with all the numbers and everything like that for you. Can you see that?\n\nChannel 1: Yep.\n\nChannel 0: So this kind of sometimes makes it a bit more easier to understand. So what I have done is you will see your current situation and then the recommended. So the current situation is showing you your super funds at the moment now. So I could fit everything on the one page for you. I have done your current net worth, and then I've added up all your other super funds into the one section.\n\nThis is trying to make it a little bit easier. So you have your net wealth and then all your other super funds. Now you will then see your current fees, so your administration fees and investment fees. Everything that you are currently paying are advised to fees in network for you, and then the insurances that you are currently paying from your other super funds. Okay.\n\nSo super fund. So that will be your your HESTA and your AIA for Ascot. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Now you then see at the bottom there where it says your free year rolling average. So what I've done, I've calculated the portfolio return for all of them together, and that tells us that combined for all of them, your current portfolios has produced a three year rolling average, averaging it out over three years for you, of 12.9%.\n\nChannel 1: Mhmm.\n\nChannel 0: Okay? Now on the recommended side, you will then see the changes. So that is consolidating everything into Netwealth for you. Now I do wanna mention by consolidating everything into Netwealth and changing some of your investments, because your investments, you know, have have gone up, like I said, there will be a little bit of a capital gains tax in superannuation. So by making the switch, there will be around 1,444, which is why you can see the difference listed there, and that is the tax on the investment because we are changing some of it.\n\nI'm trying to minimize it as much as possible by still making sure that we achieve a better return and reduce some of the administration fees. Now, obviously, that fee can change a little bit because it changes daily, but it's something I do wanna let you know that if we do make that change, there will be a little bit of that capital gains tax come out of your super. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Now you can then also see the the the fees with Netwealth. So by consolidating everything, you'll have the investment fees and administration fees. Now you'll also see the advice service fee. Now the percentage isn't changing. It's at 1.65.\n\nBut because we are now managing more money, it's that's why the change is there. Because it's a percentage of your super balance, but the percentage itself is not changing. Okay?\n\nChannel 1: Alright.\n\nChannel 0: Now\n\nChannel 1: What page are\n\nChannel 0: you\n\nChannel 1: you on here and him? I just clicked\n\nChannel 0: I'm\n\nChannel 1: in\n\nChannel 0: I'm\n\nChannel 1: the\n\nChannel 0: still\n\nChannel 1: 25.\n\nChannel 0: I'm still no. That's okay. I'm still on page 20\n\nChannel 1: Okay. That's fine. Yep.\n\nChannel 0: one. Yep. Now you will also see so if you can see can you see that three year rolling average again for\n\nChannel 1: Yep.\n\nChannel 0: me\n\nChannel 1: Yep.\n\nChannel 0: where it says 18 it's at 18.11%. So it's quite a big difference, which is really good.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep. Now at the bottom of that page, you will then see where it says lump sum in three years and lump sum in eight years. You can\n\nChannel 1: Yep.\n\nChannel 0: see that? Yep.\n\nChannel 1: Yep.\n\nChannel 0: So this is basically just projecting everything for you. So like I said earlier, the recommendation that we do has to put you in a better position overall. So it factors in insurances. It factors in adviser fees. It factors in the tax, all the changes as well as the change in your investment, and you can then see the kind of estimated change.\n\nSo looking at the difference between both the the three years and the eight years, you can see that it still will put you in a better position by making that change. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Any questions so far, Ward?\n\nChannel 1: No. I don't think so.\n\nChannel 0: No? Okay. Perfect. Now I have included on the next page, so that is page 22 where it says retirement income calculation for you. Can you see that?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. So that is just to show you because I know you mentioned that you, you know, think that you probably have to work through about age 65. 60 would be great. So I have included both of that for you. Now, again, it can be a little bit messy here, but the first table here shows you that if you retire at age 60, you won't really achieve your goal of being able to draw about 52,000 a year.\n\nNow age pension, if you are eligible for it, won't kick in until 67. So that's why kind of the change in the color. So the black is money you take from your super, and then the blue is potential age pension. Okay?\n\nChannel 1: Yep.\n\nChannel 0: So if you then look at age 65, it's quite a big difference. So at age 60\n\nChannel 1: Yep.\n\nChannel 0: five, if, you know, everything kind of stays the same, you keep making the contributions, everything stays the same, it will then show you here that you, you know, you are on track to be able to draw that thousand dollars per week. So that black shows you you see the line at the top where it says the 50,000? That is at 52. So that shows you that you can take that 52,000 a year at 65. And then at 67, it can then be supplemented by potential age pension, and it will then your would then potentially run out at around 92, and then it will be age pension.\n\nSo, obviously, it lasts a lot longer for you.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Now any other questions before I move on to the insurances there for you? No?\n\nChannel 1: What happened?\n\nChannel 0: Yep. Perfect. So the next page, page 23, heading says, Rod, retain your existing income protection. Can you see that?\n\nChannel 1: Yep.\n\nChannel 0: Yep. So I did have a look. So I went and spoke to all the insurers out there to see if I could find another income protection policy for you. I know you mentioned that you feel that, obviously, the two year waiting period is very long, and it is quite long. So I would've spoke to all the insurers out there and see what they said and\n\nChannel 1: Yeah.\n\nChannel 0: which\n\nChannel 1: Well,\n\nChannel 0: one\n\nChannel 1: see,\n\nChannel 0: would\n\nChannel 1: I had\n\nChannel 0: offer.\n\nChannel 1: another insurance inside of two years, and then I took that one out for an outside of two years in case something ever happened.\n\nChannel 0: Yes.\n\nChannel 1: And and then I've accidentally and I've had that other insurance\n\nChannel 0: Yeah.\n\nChannel 1: since I\n\nChannel 0: Yeah.\n\nChannel 1: was 18, and they changed their name. And when\n\nChannel 0: Yeah.\n\nChannel 1: I found all these insurances together, I started trying them out.\n\nChannel 0: Yes.\n\nChannel 1: And I didn't recognize the name,\n\nChannel 0: Yep.\n\nChannel 1: and I threw the wrong one out.\n\nChannel 0: Yeah. And that's\n\nChannel 1: I had it I had it for nearly thirty years or so.\n\nChannel 0: yes. And, you know, as well to make because we can I can obviously do that research for you? So if you ever wanna change anything, you know, you can always just give me a call and say, hey. I want to do this. Can I do it?\n\nWhat should I do? We're here to help you with it as well because it can be really messy and confusing. And I thought that's probably why you do have that two year waiting period because that's typically the only way we would see that long one is if you do have\n\nChannel 1: Oh, I think that was just taken out anyway when when the when the paper was made because\n\nChannel 0: another\n\nChannel 1: I didn't\n\nChannel 0: one\n\nChannel 1: even\n\nChannel 0: to\n\nChannel 1: know I had\n\nChannel 0: supplement\n\nChannel 1: it.\n\nChannel 0: it. Yeah. Yeah. A lot of them are the the HESTA one would be your, like, your default one. They just kind\n\nChannel 1: Yeah. Well,\n\nChannel 0: of\n\nChannel 1: I had one\n\nChannel 0: set\n\nChannel 1: with that\n\nChannel 0: it\n\nChannel 1: a bunch of\n\nChannel 0: up\n\nChannel 1: years ago\n\nChannel 0: for\n\nChannel 1: too, and\n\nChannel 0: you\n\nChannel 1: then they\n\nChannel 0: without\n\nChannel 1: I\n\nChannel 0: you\n\nChannel 1: didn't even\n\nChannel 0: having\n\nChannel 1: know I\n\nChannel 0: to\n\nChannel 1: had it.\n\nChannel 0: do anything. Yeah.\n\nChannel 1: And\n\nChannel 0: Yeah.\n\nChannel 1: and I didn't know that Super was there. I've never been contacted over to Super.\n\nChannel 0: Yeah.\n\nChannel 1: And\n\nChannel 0: Yeah.\n\nChannel 1: the only time I heard from them was when they wanted more money for the insurance. I I\n\nChannel 0: Yeah.\n\nChannel 1: lost the whole lot.\n\nChannel 0: Yeah. Yeah. That's not good. And that sometimes, you know, can happen with those industry funds as well. You don't always get a lot of communication with things.\n\nChannel 1: Yeah. Well, that's happened about three times now.\n\nChannel 0: Yeah. And, you know, that's that's not good, and we wanna obviously help you with that to make sure that doesn't happen. But\n\nChannel 1: Yep.\n\nChannel 0: with your income protection, like I said, I spoke to all the insurers out there. And because of your occupation at the moment, they are all saying that you won't be able to get another policy because they think it's too risky on occupation. So that kind of limits what we can do with income protection. So at the moment, we won't\n\nChannel 1: Well,\n\nChannel 0: be\n\nChannel 1: I\n\nChannel 0: able\n\nChannel 1: I\n\nChannel 0: to\n\nChannel 1: actually\n\nChannel 0: take up a\n\nChannel 1: had\n\nChannel 0: new\n\nChannel 1: a\n\nChannel 0: one.\n\nChannel 1: broker for years, and the fella that used to do\n\nChannel 0: Yeah.\n\nChannel 1: me broker,\n\nChannel 0: Yeah.\n\nChannel 1: I got on to the fella that took over from him, and I said, oh, I\n\nChannel 0: Yeah.\n\nChannel 1: want one. It's just\n\nChannel 0: Yeah.\n\nChannel 1: for\n\nChannel 0: Yeah.\n\nChannel 1: an illness. And\n\nChannel 0: Yep.\n\nChannel 1: I know the money I earn, and half of\n\nChannel 0: Yeah.\n\nChannel 1: them are never gonna cover that, what I earn anyway.\n\nChannel 0: Yeah.\n\nChannel 1: And I said, all I want is something like if I fall over in the street or an illness.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: I said sort of capability of what I do for my job.\n\nChannel 0: Yep.\n\nChannel 1: I said all I wanted is something like that. I said, I\n\nChannel 0: Yeah.\n\nChannel 1: know you can't get a cover that's gonna cover me for, you know, the\n\nChannel 0: Yeah.\n\nChannel 1: the repayments would be ridiculous.\n\nChannel 0: Yes. Yeah. So the good thing is that I have found a policy for total permanent disability, which is good. But with income protection, first, I there is no one that is, at the moment, willing to offer cover based on your occupation. So I can't get\n\nChannel 1: Alright.\n\nChannel 0: you a new policy, but what I have been able to do for you anyway is, like you said, it's quite expensive at the moment. So I have spoken to Astrum, and I have got a quote to change the benefit period. So instead of it being to age 65, reduce it to five years. And it's still the same waiting period. We can't change that.\n\nBut by changing the benefit period, you can see that the monthly premium, you know, almost half. So it does\n\nChannel 1: Yep.\n\nChannel 0: make it a lot cheaper. Now, ultimately, it is up to you if you do wanna keep it or not. But just be mindful that if you do wanna cancel it at the moment, there's no other insurance that is willing to offer cover for income protection. So that would mean that you\n\nChannel 1: Well,\n\nChannel 0: you\n\nChannel 1: that's\n\nChannel 0: won't have\n\nChannel 1: a that's a full disability one too. That's not you've gotta be incapacitated to go\n\nChannel 0: it.\n\nChannel 1: to work.\n\nChannel 0: Yeah. So this is income protection is if you are temporarily unable to work.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: That's the second one.\n\nChannel 0: That's\n\nChannel 1: Because\n\nChannel 0: this\n\nChannel 1: that\n\nChannel 0: one.\n\nChannel 1: first session when I pay now,\n\nChannel 0: Yes.\n\nChannel 1: it's it's a disability one. That's what they told me.\n\nChannel 0: So\n\nChannel 1: So I was\n\nChannel 0: yes.\n\nChannel 1: unable to work through to that age.\n\nChannel 0: Yes. So it's it's a little bit so it's it's an income protection. So it is temporary disability. That is if you are temporarily unable to work. So\n\nChannel 1: Right.\n\nChannel 0: that is true. At the moment, it is up to age 65 if you can't work, but it is, like you said, costing you a bit. Now because you do have a two year waiting period as well, basically, by reducing it to five years, really, there's only a year difference. Because if you have a five year benefit period, but you have to wait two years until that kicks in, that gives you seven years, and it's almost eight years until '65. So\n\nChannel 1: Yep.\n\nChannel 0: if something were to happen tomorrow, the other the one that you currently have, you'd only be basically be utilizing for up to eight years,\n\nChannel 1: Yep.\n\nChannel 0: but, obviously, costing a lot more. Does that make sense?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. Because\n\nChannel 0: Yeah.\n\nChannel 1: I'm just I was just a bit over that. Obviously, I'm thinking I'm just a waste\n\nChannel 0: Yeah.\n\nChannel 1: of\n\nChannel 0: Yeah.\n\nChannel 1: money.\n\nChannel 0: Yeah. And, ultimately, if you feel like that, if you tell me, do you know what? I don't wanna keep it. I wanna cancel it. That's fine.\n\nIt is ultimately up to you. I just obviously want you to be aware that if we cancel it, at the moment, we can't get you another income protection. So that would mean that","paragraphs":[{"sentences":[{"text":"Hello.","start":0.39999998,"end":0.9,"sentiment":"neutral","sentiment_score":0.044400427490472794},{"text":"Ross speaking.","start":1.52,"end":2.34,"sentiment":"neutral","sentiment_score":0.039360033348202705}],"sentiment":"neutral","sentiment_score":0.041040164728959404,"channel":1,"num_words":3,"start":0.39999998,"end":2.34},{"sentences":[{"text":"Good morning, Rob.","start":2.8,"end":3.6,"sentiment":"positive","sentiment_score":0.43044836322466534},{"text":"This is Veronica from Oakview Financial.","start":3.6,"end":5.54,"sentiment":"positive","sentiment_score":0.3575480779012044},{"text":"How are you this morning?","start":5.6,"end":6.74,"sentiment":"neutral","sentiment_score":0.3231705963611603}],"sentiment":"positive","sentiment_score":0.3608918956347874,"channel":0,"num_words":14,"start":2.8,"end":6.74},{"sentences":[{"text":"Not too bad.","start":6.96,"end":7.8399997,"sentiment":"neutral","sentiment_score":0.3022843798001607},{"text":"Thanks.","start":7.8399997,"end":8.34,"sentiment":"positive","sentiment_score":0.4560757875442505},{"text":"Yourself?","start":8.4,"end":8.9,"sentiment":"neutral","sentiment_score":0.1910761594772339}],"sentiment":"neutral","sentiment_score":0.3108010172843933,"channel":1,"num_words":5,"start":6.96,"end":8.9},{"sentences":[{"text":"Just so bad.","start":8.4,"end":9.38,"sentiment":"neutral","sentiment_score":0.07842613756656645},{"text":"Yeah.","start":9.599999,"end":9.92,"sentiment":"neutral","sentiment_score":0.3033798933029175},{"text":"I'm well.","start":9.92,"end":10.559999,"sentiment":"positive","sentiment_score":0.4549197256565094},{"text":"Thank you.","start":10.559999,"end":11.38,"sentiment":"positive","sentiment_score":0.708045482635498},{"text":"I had you booked in to go over your strategy recommendations with 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just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me,","start":33.66,"end":41.055,"sentiment":"neutral","sentiment_score":0.04202548801898956}],"sentiment":"neutral","sentiment_score":0.04202548801898956,"channel":0,"num_words":25,"start":33.66,"end":41.055},{"sentences":[{"text":"Yep.","start":42.07,"end":42.39,"sentiment":"neutral","sentiment_score":0.03424318507313728},{"text":"Rob Leslie Flynn.","start":42.39,"end":43.885002,"sentiment":"neutral","sentiment_score":0.029654065147042274},{"text":"07/08 to 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is 55 Forbes Road, Cooomba 4503.","start":49.305,"end":54.525,"sentiment":"neutral","sentiment_score":0.019257850412811552},{"text":"What else do I have to do?","start":56.025,"end":57.565002,"sentiment":"neutral","sentiment_score":0.0011624300054141454}],"sentiment":"neutral","sentiment_score":0.010210140209112848,"channel":1,"num_words":14,"start":49.305,"end":57.565002},{"sentences":[{"text":"Yep.","start":57.870003,"end":58.11,"sentiment":"neutral","sentiment_score":0.0136932460591197},{"text":"No.","start":58.11,"end":58.27,"sentiment":"neutral","sentiment_score":-0.047132059931755066},{"text":"That's it.","start":58.27,"end":59.010002,"sentiment":"neutral","sentiment_score":-0.05908834747970105},{"text":"That's everything.","start":59.23,"end":60.050003,"sentiment":"neutral","sentiment_score":0.06974645517766476},{"text":"Thank you so much for 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just","start":70.979996,"end":72.245,"sentiment":"neutral","sentiment_score":-0.00768957535425822}],"sentiment":"neutral","sentiment_score":-0.00436166524887085,"channel":1,"num_words":5,"start":70.1,"end":72.245},{"sentences":[{"text":"yeah?","start":72.145,"end":72.645,"sentiment":"neutral","sentiment_score":0.000670507550239563}],"sentiment":"neutral","sentiment_score":0.000670507550239563,"channel":0,"num_words":1,"start":72.145,"end":72.645},{"sentences":[{"text":"pulling some earpieces the other day.","start":72.245,"end":73.845,"sentiment":"neutral","sentiment_score":-0.02685263194143772},{"text":"I'm just trying to rig them up so I can 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you.","start":77.685005,"end":78.665,"sentiment":"neutral","sentiment_score":0.010148609057068825}],"sentiment":"neutral","sentiment_score":0.010148609057068825,"channel":1,"num_words":3,"start":77.685005,"end":78.665},{"sentences":[{"text":"yeah, if you quit, that would be good because what I'm doing is I'm just sending you an email right now with the the SOA to go through with you.","start":78.784996,"end":88.72,"sentiment":"neutral","sentiment_score":0.15248511893053848},{"text":"And because there are a couple of things.","start":88.72,"end":90.42,"sentiment":"neutral","sentiment_score":0.1934448890388012},{"text":"It does make it easier for you if you can get it up at the same time even if it's just on your phone.","start":90.64,"end":96.42,"sentiment":"neutral","sentiment_score":0.2091721330458919},{"text":"But if you can't, I can always run through it with you, and then you can have a look through it later.","start":96.56,"end":100.945,"sentiment":"neutral","sentiment_score":0.13239981200207362},{"text":"It is up to you.","start":101.645004,"end":102.865005,"sentiment":"neutral","sentiment_score":0.14206787347793579}],"sentiment":"neutral","sentiment_score":0.16590313600857606,"channel":0,"num_words":89,"start":78.784996,"end":102.865005},{"sentences":[{"text":"Right.","start":103.475,"end":103.875,"sentiment":"neutral","sentiment_score":0.08654091507196426},{"text":"Hang on.","start":103.875,"end":104.515,"sentiment":"neutral","sentiment_score":0.05932169780135155},{"text":"I'll just see if I can get this ready.","start":104.515,"end":106.775,"sentiment":"neutral","sentiment_score":0.07464845064613554},{"text":"I'm coming here.","start":110.02,"end":110.66,"sentiment":"neutral","sentiment_score":0.06393667807181676},{"text":"I'll see if I can get this working 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time.","start":139.665,"end":141.16,"sentiment":"positive","sentiment_score":0.34782185157140094},{"text":"I have just sent it to you, so it might take a couple of minutes anyway.","start":141.16,"end":145.24,"sentiment":"positive","sentiment_score":0.34316680394113064},{"text":"So see how you go.","start":145.24,"end":146.45999,"sentiment":"positive","sentiment_score":0.33475292921066285}],"sentiment":"neutral","sentiment_score":0.33124250918626785,"channel":0,"num_words":26,"start":138.94499,"end":146.45999},{"sentences":[{"text":"And like I said, if you can't, I can always run through it with you.","start":147.08,"end":150.62,"sentiment":"neutral","sentiment_score":0.21639151473840076}],"sentiment":"neutral","sentiment_score":0.21639151473840076,"channel":0,"num_words":15,"start":147.08,"end":150.62},{"sentences":[{"text":"Alright.","start":150.62,"end":151.01999,"sentiment":"neutral","sentiment_score":0.19289109110832217},{"text":"Give me a 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one?","start":158.715,"end":159.775,"sentiment":"neutral","sentiment_score":0.045389060862362385}],"sentiment":"neutral","sentiment_score":0.06441363726149905,"channel":1,"num_words":11,"start":155.11499,"end":159.775},{"sentences":[{"text":"Yes.","start":159.65501,"end":159.975,"sentiment":"neutral","sentiment_score":0.06680598855018616},{"text":"Yes.","start":159.975,"end":160.475,"sentiment":"neutral","sentiment_score":0.04831135272979736},{"text":"So we have recently changed over to a new software, so it might look a little bit different than usual.","start":160.93501,"end":166.71501,"sentiment":"neutral","sentiment_score":-0.006518420856446027},{"text":"Essentially, before you click on the link, you will see that there are a number of attachments if you scroll down in the email.","start":167.735,"end":175.32,"sentiment":"neutral","sentiment_score":0.003585512012553712},{"text":"Can you see those?","start":177.38,"end":178.44,"sentiment":"neutral","sentiment_score":-0.006461904849857092}],"sentiment":"neutral","sentiment_score":0.0008990718610584736,"channel":0,"num_words":50,"start":159.65501,"end":178.44},{"sentences":[{"text":"Hang on.","start":178.70999,"end":179.53,"sentiment":"neutral","sentiment_score":-0.23633700609207153},{"text":"This bloody thing still is almost I must have I must have cut spare.","start":179.59,"end":183.535,"sentiment":"negative","sentiment_score":-0.7491218149662018},{"text":"You 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I've","start":381.64,"end":382.2,"sentiment":"negative","sentiment_score":-0.3941833972930908}],"sentiment":"negative","sentiment_score":-0.4148685534795125,"channel":1,"num_words":6,"start":380.12003,"end":382.2},{"sentences":[{"text":"Yes.","start":381.955,"end":382.455,"sentiment":"negative","sentiment_score":-0.4185448884963989}],"sentiment":"negative","sentiment_score":-0.4185448884963989,"channel":0,"num_words":1,"start":381.955,"end":382.455},{"sentences":[{"text":"lost three like that because I wasn't notified that where the supers were.","start":382.2,"end":385.88,"sentiment":"negative","sentiment_score":-0.5442956112898313},{"text":"I didn't even have a 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here.","start":400.33002,"end":402.91,"sentiment":"positive","sentiment_score":0.3962049058505467}],"sentiment":"neutral","sentiment_score":0.2747427757610293,"channel":0,"num_words":51,"start":387.79498,"end":402.91},{"sentences":[{"text":"I'll try to get quick for you, but, essentially, the cover page, obviously, pretty straightforward.","start":403.61002,"end":408.27002,"sentiment":"positive","sentiment_score":0.3835724691549937},{"text":"I have obviously put together this strategy for you, Rod, that our best believe are going to achieve your goals and your objective.","start":409.195,"end":416.415,"sentiment":"positive","sentiment_score":0.6795184767764547},{"text":"But at the end of the day, you know, they are just recommendations.","start":416.875,"end":419.375,"sentiment":"neutral","sentiment_score":0.16765337322766966},{"text":"It is completely up to you if you do wanna go ahead with it or not at the end of the day.","start":419.755,"end":426.62,"sentiment":"neutral","sentiment_score":0.22172914987260645},{"text":"Now this statement of advice as well is valid for sixty days.","start":426.62,"end":431.12,"sentiment":"neutral","sentiment_score":0.251954418917497}],"sentiment":"positive","sentiment_score":0.3701588256394162,"channel":0,"num_words":85,"start":403.61002,"end":431.12},{"sentences":[{"text":"So, you know, we obviously wanna get things sorted as soon as possible.","start":431.34,"end":434.4,"sentiment":"positive","sentiment_score":0.4678382735985976},{"text":"You have a bit of time, though, to take your time to read over it.","start":434.46,"end":437.85498,"sentiment":"neutral","sentiment_score":0.08852651317914327},{"text":"Any questions, let me know.","start":438.155,"end":439.85498,"sentiment":"neutral","sentiment_score":0.042348678410053256},{"text":"But, otherwise, it will expire in sixty days.","start":440.155,"end":442.81497,"sentiment":"neutral","sentiment_score":-0.04727453785017133},{"text":"And you will also have my details listed on the on the cover page there for you.","start":444.31497,"end":448.555,"sentiment":"neutral","sentiment_score":0.14406864870997035}],"sentiment":"neutral","sentiment_score":0.16711223054805707,"channel":0,"num_words":58,"start":431.34,"end":448.555},{"sentences":[{"text":"You'll also have my license number listed as well, and I am licensed under OU Financial.","start":448.555,"end":454.09998,"sentiment":"neutral","sentiment_score":0.10892723593860865},{"text":"Now if you wanna scroll to the second page for me, you will see a little section where it says best interest duty.","start":456.0,"end":462.0,"sentiment":"neutral","sentiment_score":0.03233526549909426},{"text":"Can you see that?","start":462.0,"end":466.615,"sentiment":"neutral","sentiment_score":0.019419442396610975},{"text":"It should be just after the cover 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to just scroll scroll where you are right now in the attachment, in the the documents.","start":492.07498,"end":498.175,"sentiment":"neutral","sentiment_score":0.02699177684262395},{"text":"So if you say scope of advice, that would be at the bottom, do you see page three on that page?","start":498.475,"end":504.41498,"sentiment":"neutral","sentiment_score":0.020747828009050517}],"sentiment":"neutral","sentiment_score":0.021271975677726523,"channel":0,"num_words":42,"start":491.91498,"end":504.41498},{"sentences":[{"text":"Yeah.","start":504.58002,"end":504.98,"sentiment":"neutral","sentiment_score":0.023097151890397072},{"text":"Page three is 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next page, table of content, pretty self explanatory.","start":546.77,"end":550.755,"sentiment":"neutral","sentiment_score":0.15658822738462025},{"text":"Everything we are going over today, so bear with me as I go through this with you, which then takes us to that page three scope of advice.","start":551.615,"end":561.875,"sentiment":"neutral","sentiment_score":0.19458541859473502},{"text":"Now if you do have any questions as as I go through it as well, just feel free to interrupt me and ask 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you.","start":607.74,"end":616.455,"sentiment":"neutral","sentiment_score":0.09281860540310542},{"text":"Now I haven't made a recommendation on trauma cover.","start":617.635,"end":620.755,"sentiment":"neutral","sentiment_score":-0.2566271002093951}],"sentiment":"neutral","sentiment_score":0.05561516819329097,"channel":0,"num_words":58,"start":596.78,"end":620.755},{"sentences":[{"text":"Last time we spoke, you mentioned that you weren't really interested in trauma.","start":620.755,"end":624.88,"sentiment":"negative","sentiment_score":-0.36810369674976057},{"text":"It is a policy you have to pay for out of pocket, and you were trying to kind of minimize your out of pocket expenses.","start":624.94,"end":630.56,"sentiment":"neutral","sentiment_score":-0.20546426773071289},{"text":"Does that all ring a 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but,","start":640.47,"end":644.01,"sentiment":"neutral","sentiment_score":-0.06389548922223705}],"sentiment":"neutral","sentiment_score":-0.06389548922223705,"channel":1,"num_words":14,"start":640.47,"end":644.01},{"sentences":[{"text":"Yes.","start":643.945,"end":644.445,"sentiment":"neutral","sentiment_score":0.03647427260875702}],"sentiment":"neutral","sentiment_score":0.03647427260875702,"channel":0,"num_words":1,"start":643.945,"end":644.445},{"sentences":[{"text":"you know, ninety day wait, but it's better than nothing.","start":644.39,"end":648.09,"sentiment":"neutral","sentiment_score":0.017665349692106248}],"sentiment":"neutral","sentiment_score":0.017665349692106248,"channel":1,"num_words":10,"start":644.39,"end":648.09},{"sentences":[{"text":"Yes.","start":648.58496,"end":649.08496,"sentiment":"neutral","sentiment_score":0.18287402391433716},{"text":"Exactly.","start":649.56995,"end":650.06995,"sentiment":"neutral","sentiment_score":0.2275870144367218},{"text":"So I will go through all of the the insurances for you.","start":650.37,"end":655.02997,"sentiment":"neutral","sentiment_score":0.17977038522561392},{"text":"So, basically, the next page is then you have page five.","start":655.17,"end":658.62994,"sentiment":"neutral","sentiment_score":0.12941981716589493},{"text":"So you can see the actual strategies listed in a table there for you, what we are looking at doing.","start":659.49,"end":666.695,"sentiment":"neutral","sentiment_score":0.17671287134289743}],"sentiment":"neutral","sentiment_score":0.16723513503869375,"channel":0,"num_words":45,"start":648.58496,"end":666.695},{"sentences":[{"text":"But I'll go through these in details as we go through it for you.","start":666.695,"end":670.155,"sentiment":"neutral","sentiment_score":0.17874812654086522},{"text":"Now the next two pages are just some information about you.","start":672.695,"end":677.01,"sentiment":"neutral","sentiment_score":0.09685712104493921},{"text":"Could you just have a quick read over that for me just to make sure that's pretty up to date or if I need to make any changes in the back end for you?","start":677.49,"end":685.35004,"sentiment":"neutral","sentiment_score":0.10072950974983327}],"sentiment":"neutral","sentiment_score":0.11852043109425044,"channel":0,"num_words":59,"start":666.695,"end":685.35004},{"sentences":[{"text":"Nah.","start":688.46497,"end":688.96497,"sentiment":"neutral","sentiment_score":0.07378445565700531},{"text":"You're pretty pretty close to it.","start":689.02496,"end":690.96497,"sentiment":"neutral","sentiment_score":0.14493966599305472}],"sentiment":"neutral","sentiment_score":0.13477463594504765,"channel":1,"num_words":7,"start":688.46497,"end":690.96497},{"sentences":[{"text":"Pretty pretty good.","start":690.53,"end":691.49,"sentiment":"positive","sentiment_score":0.6078999042510986},{"text":"Yep.","start":691.49,"end":691.99,"sentiment":"positive","sentiment_score":0.3523014187812805},{"text":"Perfect.","start":692.29004,"end":692.775,"sentiment":"positive","sentiment_score":0.4240882396697998},{"text":"Which then takes us through page eight.","start":693.97504,"end":696.79504,"sentiment":"neutral","sentiment_score":0.10255478269287518},{"text":"The heading says your current superannuation.","start":697.41504,"end":699.755,"sentiment":"neutral","sentiment_score":0.041415719936291374}],"sentiment":"neutral","sentiment_score":0.1981370649817917,"channel":0,"num_words":18,"start":690.53,"end":699.755},{"sentences":[{"text":"Yep.","start":702.43,"end":702.93,"sentiment":"neutral","sentiment_score":0.07789161056280136}],"sentiment":"neutral","sentiment_score":0.07789161056280136,"channel":1,"num_words":1,"start":702.43,"end":702.93},{"sentences":[{"text":"Yep.","start":703.255,"end":703.755,"sentiment":"neutral","sentiment_score":0.0857682079076767},{"text":"So as you can see here, you do have quite a few in super funds at the moment.","start":703.97504,"end":707.995,"sentiment":"neutral","sentiment_score":0.11419482115242216},{"text":"You have, obviously, your Netwealth where you have the most amount of money.","start":708.215,"end":711.65,"sentiment":"neutral","sentiment_score":0.16143695551615495},{"text":"You also have your, brighter super.","start":711.71,"end":714.51,"sentiment":"neutral","sentiment_score":0.1953358625372251},{"text":"You have Asgard.","start":714.51,"end":715.57,"sentiment":"neutral","sentiment_score":0.10439534733692805}],"sentiment":"neutral","sentiment_score":0.13963796652671767,"channel":0,"num_words":41,"start":703.255,"end":715.57},{"sentences":[{"text":"You have HESTA and then, Australian Retirement Trust.","start":715.95,"end":720.77,"sentiment":"neutral","sentiment_score":0.07256426988169551},{"text":"Now","start":721.15,"end":721.65,"sentiment":"neutral","sentiment_score":0.02966731414198875}],"sentiment":"neutral","sentiment_score":0.06779794146617253,"channel":0,"num_words":9,"start":715.95,"end":721.65},{"sentences":[{"text":"Mhmm.","start":721.525,"end":722.025,"sentiment":"neutral","sentiment_score":0.01862678863108158}],"sentiment":"neutral","sentiment_score":0.01862678863108158,"channel":1,"num_words":1,"start":721.525,"end":722.025},{"sentences":[{"text":"at the moment, you can see all your balances there.","start":721.87,"end":725.59503,"sentiment":"neutral","sentiment_score":0.03234342411160469},{"text":"So like you mentioned as well, has currently has about 451 in there, and then you see all the other balances listed there for you as well.","start":725.59503,"end":734.09503,"sentiment":"neutral","sentiment_score":0.05413077799258409},{"text":"Now underneath that is then your current insurance policy.","start":734.955,"end":739.65,"sentiment":"neutral","sentiment_score":0.008473916807108454},{"text":"So you have AIA insurance paid currently from Ascot.","start":740.11,"end":745.65,"sentiment":"neutral","sentiment_score":0.010807610013418727},{"text":"So that is a life insurance policy.","start":746.43,"end":748.43,"sentiment":"neutral","sentiment_score":0.010612435106720244}],"sentiment":"neutral","sentiment_score":0.03278687151689683,"channel":0,"num_words":62,"start":721.87,"end":748.43},{"sentences":[{"text":"Did you know about that one?","start":748.43,"end":749.81,"sentiment":"neutral","sentiment_score":-0.003379371017217636}],"sentiment":"neutral","sentiment_score":-0.003379371017217636,"channel":0,"num_words":6,"start":748.43,"end":749.81},{"sentences":[{"text":"I think I did.","start":750.75,"end":751.89,"sentiment":"neutral","sentiment_score":0.018578834366053343},{"text":"I","start":752.27,"end":752.51,"sentiment":"neutral","sentiment_score":0.022883962839841843}],"sentiment":"neutral","sentiment_score":0.019439860060811043,"channel":1,"num_words":5,"start":750.75,"end":752.51},{"sentences":[{"text":"Yeah.","start":752.27,"end":752.715,"sentiment":"neutral","sentiment_score":0.04657899588346481}],"sentiment":"neutral","sentiment_score":0.04657899588346481,"channel":0,"num_words":1,"start":752.27,"end":752.715},{"sentences":[{"text":"think I","start":752.51,"end":753.33,"sentiment":"neutral","sentiment_score":0.03527365252375603}],"sentiment":"neutral","sentiment_score":0.03527365252375603,"channel":1,"num_words":2,"start":752.51,"end":753.33},{"sentences":[{"text":"Yeah.","start":753.835,"end":754.335,"sentiment":"neutral","sentiment_score":0.06919030845165253},{"text":"So that is a live policy, and that's that","start":754.55505,"end":758.55505,"sentiment":"neutral","sentiment_score":0.04809995989004771}],"sentiment":"neutral","sentiment_score":0.05020899474620819,"channel":0,"num_words":10,"start":753.835,"end":758.55505},{"sentences":[{"text":"did.","start":758.35004,"end":758.85004,"sentiment":"neutral","sentiment_score":0.03649070113897323}],"sentiment":"neutral","sentiment_score":0.03649070113897323,"channel":1,"num_words":1,"start":758.35004,"end":758.85004},{"sentences":[{"text":"will pay $8,816,098, and it is costing you 4,360 per year currently coming out of Ascot for that insurance policy that life insurance policy.","start":758.55505,"end":773.58997,"sentiment":"neutral","sentiment_score":0.02209501414715002},{"text":"Okay?","start":773.58997,"end":774.08997,"sentiment":"neutral","sentiment_score":0.053522057831287384}],"sentiment":"neutral","sentiment_score":0.023352095894515514,"channel":0,"num_words":25,"start":758.55505,"end":774.08997},{"sentences":[{"text":"Yep.","start":774.195,"end":774.695,"sentiment":"neutral","sentiment_score":0.06089456006884575}],"sentiment":"neutral","sentiment_score":0.06089456006884575,"channel":1,"num_words":1,"start":774.195,"end":774.695},{"sentences":[{"text":"Now underneath that as well, you will see your HESTA.","start":775.67,"end":778.955,"sentiment":"neutral","sentiment_score":0.050161450356245044},{"text":"So you have life insurance in HESTA as well, about 46,500.","start":780.135,"end":787.35504,"sentiment":"neutral","sentiment_score":0.057644101198423996},{"text":"You have income protection as well.","start":788.05505,"end":790.53503,"sentiment":"neutral","sentiment_score":0.06864382388691108},{"text":"So like you mentioned, ninety day wait.","start":790.53503,"end":793.19,"sentiment":"neutral","sentiment_score":0.07435031714183944},{"text":"It is a five year benefit period, but the monthly amount is only a thousand dollars.","start":793.81,"end":799.58997,"sentiment":"neutral","sentiment_score":0.0428604066837579}],"sentiment":"neutral","sentiment_score":0.05507562573999167,"channel":0,"num_words":50,"start":775.67,"end":799.58997},{"sentences":[{"text":"That's that's by fire.","start":802.095,"end":803.475,"sentiment":"neutral","sentiment_score":-0.08632778748869896},{"text":"Yeah.","start":803.69495,"end":804.19495,"sentiment":"neutral","sentiment_score":0.09800280630588531}],"sentiment":"neutral","sentiment_score":-0.0494616687297821,"channel":1,"num_words":5,"start":802.095,"end":804.19495},{"sentences":[{"text":"Yes.","start":804.44995,"end":804.93,"sentiment":"neutral","sentiment_score":0.13815326988697052},{"text":"So they would pay a thousand dollars a month for income replacement if something were to happen.","start":804.93,"end":811.945,"sentiment":"neutral","sentiment_score":0.15274997756761663}],"sentiment":"neutral","sentiment_score":0.1519390493631363,"channel":0,"num_words":18,"start":804.44995,"end":811.945},{"sentences":[{"text":"Yep.","start":812.63,"end":813.13,"sentiment":"neutral","sentiment_score":0.17619991302490234}],"sentiment":"neutral","sentiment_score":0.17619991302490234,"channel":1,"num_words":1,"start":812.63,"end":813.13},{"sentences":[{"text":"You then also have your other income protection policy with Astron.","start":814.325,"end":818.585,"sentiment":"neutral","sentiment_score":0.16704892908984964},{"text":"So that one will pay you a monthly amount of 3,956.","start":819.205,"end":825.72,"sentiment":"neutral","sentiment_score":0.12421391430226239},{"text":"Now","start":826.42,"end":826.92,"sentiment":"neutral","sentiment_score":0.011679921299219131}],"sentiment":"neutral","sentiment_score":0.13980744341793266,"channel":0,"num_words":23,"start":814.325,"end":826.92},{"sentences":[{"text":"Yep.","start":826.635,"end":827.135,"sentiment":"neutral","sentiment_score":-0.01513380091637373}],"sentiment":"neutral","sentiment_score":-0.01513380091637373,"channel":1,"num_words":1,"start":826.635,"end":827.135},{"sentences":[{"text":"the waiting period, like you said as well, it is quite long.","start":827.38,"end":830.27997,"sentiment":"neutral","sentiment_score":-0.14529083669185638},{"text":"It's seven hundred and thirty days.","start":830.66,"end":832.83997,"sentiment":"neutral","sentiment_score":-0.06297439398864906}],"sentiment":"neutral","sentiment_score":-0.11785202245745394,"channel":0,"num_words":18,"start":827.38,"end":832.83997},{"sentences":[{"text":"Yeah.","start":833.35504,"end":833.67505,"sentiment":"neutral","sentiment_score":-0.02113666757941246}],"sentiment":"neutral","sentiment_score":-0.02113666757941246,"channel":1,"num_words":1,"start":833.35504,"end":833.67505},{"sentences":[{"text":"And","start":833.38,"end":833.88,"sentiment":"neutral","sentiment_score":-0.03240520507097244}],"sentiment":"neutral","sentiment_score":-0.03240520507097244,"channel":0,"num_words":1,"start":833.38,"end":833.88},{"sentences":[{"text":"It's a t e one.","start":833.67505,"end":834.955,"sentiment":"neutral","sentiment_score":-0.012072347849607468},{"text":"Yep.","start":834.955,"end":835.455,"sentiment":"neutral","sentiment_score":0.02286209538578987}],"sentiment":"neutral","sentiment_score":-0.0062499406437079115,"channel":1,"num_words":6,"start":833.67505,"end":835.455},{"sentences":[{"text":"exactly.","start":835.54,"end":836.04,"sentiment":"neutral","sentiment_score":0.028038961812853813},{"text":"Now the benefit period for that one is up to the age of 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400","start":853.42,"end":854.38,"sentiment":"neutral","sentiment_score":-0.11277943104505539}],"sentiment":"neutral","sentiment_score":-0.11277943104505539,"channel":1,"num_words":2,"start":853.42,"end":854.38},{"sentences":[{"text":"research.","start":853.66,"end":854.16,"sentiment":"neutral","sentiment_score":-0.09387029707431792}],"sentiment":"neutral","sentiment_score":-0.09387029707431792,"channel":0,"num_words":1,"start":853.66,"end":854.16},{"sentences":[{"text":"I pay 400 and something a month for that.","start":854.38,"end":856.8,"sentiment":"neutral","sentiment_score":-0.10623379051685333}],"sentiment":"neutral","sentiment_score":-0.10623379051685333,"channel":1,"num_words":9,"start":854.38,"end":856.8},{"sentences":[{"text":"Yeah.","start":856.7,"end":857.18,"sentiment":"neutral","sentiment_score":0.027669191360473633},{"text":"And I have made a recommendation on that for you.","start":857.18,"end":859.66,"sentiment":"neutral","sentiment_score":0.12759238481521606},{"text":"As a suggestion, again, up to you what you wanna do, but I have made a recommendation on how to change it.","start":859.66,"end":864.39996,"sentiment":"neutral","sentiment_score":0.0870660873637958},{"text":"Now, currently, you are paying 5,148 per year out of pocket for that policy.","start":864.7,"end":871.89496,"sentiment":"neutral","sentiment_score":-0.0004566998354026249}],"sentiment":"neutral","sentiment_score":0.06835432263447884,"channel":0,"num_words":47,"start":856.7,"end":871.89496},{"sentences":[{"text":"Yep.","start":874.16,"end":874.66,"sentiment":"neutral","sentiment_score":0.06814347952604294}],"sentiment":"neutral","sentiment_score":0.06814347952604294,"channel":1,"num_words":1,"start":874.16,"end":874.66},{"sentences":[{"text":"Okay?","start":874.355,"end":874.855,"sentiment":"neutral","sentiment_score":0.04894436150789261},{"text":"Yes.","start":875.15497,"end":875.65497,"sentiment":"neutral","sentiment_score":0.08107548207044601},{"text":"Now the next two pages is a little bit of information in regards to your risk profile.","start":876.035,"end":883.79004,"sentiment":"neutral","sentiment_score":0.02839293155600043},{"text":"Did you did you remember that kind of risk profile questionnaire we did, all those multiple choice questions on how you feel about risk and fluctuations and stuff.","start":884.01,"end":892.195,"sentiment":"neutral","sentiment_score":0.017401949502527714}],"sentiment":"neutral","sentiment_score":0.023403282257470678,"channel":0,"num_words":47,"start":874.355,"end":892.195},{"sentences":[{"text":"Yeah.","start":892.585,"end":892.905,"sentiment":"neutral","sentiment_score":0.023889657109975815},{"text":"I think I did.","start":892.905,"end":893.705,"sentiment":"neutral","sentiment_score":0.039813083596527576},{"text":"Yeah.","start":893.705,"end":894.025,"sentiment":"neutral","sentiment_score":0.04389544576406479},{"text":"Yeah.","start":894.025,"end":894.525,"sentiment":"neutral","sentiment_score":0.05874042585492134}],"sentiment":"neutral","sentiment_score":0.04082540901643889,"channel":1,"num_words":7,"start":892.585,"end":894.525},{"sentences":[{"text":"Yeah.","start":894.975,"end":895.475,"sentiment":"neutral","sentiment_score":0.08923929929733276},{"text":"So, essentially, you came out as a growth investor.","start":895.535,"end":898.755,"sentiment":"neutral","sentiment_score":0.1584421048561732},{"text":"At the moment, you said you you are kind of happy seeing a little bit of fluctuation to try to maximize that growth for you, but you still want a little bit of a defensive portion as well.","start":899.615,"end":910.22,"sentiment":"neutral","sentiment_score":0.23335252937517667},{"text":"So we are looking about that 80% in your growth investment.","start":910.43994,"end":914.54,"sentiment":"neutral","sentiment_score":0.23675127191977066},{"text":"So that is your Australian equity, your international equities, and property as well, and that is what's going to maximize those returns for you, and then about 20% in more defensive assets like your cash, your gold, and your fixed interest.","start":914.75995,"end":930.755,"sentiment":"neutral","sentiment_score":0.3298870292378635}],"sentiment":"neutral","sentiment_score":0.26512246549129487,"channel":0,"num_words":100,"start":894.975,"end":930.755},{"sentences":[{"text":"So this just kind of gives you a little bit more information in regards to what that risk profile is for you.","start":932.015,"end":937.95,"sentiment":"neutral","sentiment_score":0.08852103149349039},{"text":"Now if you can then scroll to page 12 for me there, Rod, the heading should say strategy recommendations.","start":939.45,"end":946.27,"sentiment":"neutral","sentiment_score":0.08167204966670588}],"sentiment":"neutral","sentiment_score":0.0853471130859561,"channel":0,"num_words":41,"start":932.015,"end":946.27},{"sentences":[{"text":"Yep.","start":948.505,"end":949.005,"sentiment":"positive","sentiment_score":0.473215788602829}],"sentiment":"positive","sentiment_score":0.473215788602829,"channel":1,"num_words":1,"start":948.505,"end":949.005},{"sentences":[{"text":"Perfect.","start":950.045,"end":950.445,"sentiment":"positive","sentiment_score":0.7689092755317688},{"text":"So I've done research on all your current super funds and which one is going to be the best for you and also alternatives.","start":950.445,"end":959.665,"sentiment":"positive","sentiment_score":0.36839856890340644},{"text":"So, you know, making sure that the the superannuation that we are consolidating you to, if possible, is the one that is ultimately going to give you the best returns and put you in the best position for retirement.","start":960.02997,"end":971.49,"sentiment":"positive","sentiment_score":0.5252328430994962},{"text":"So after doing all of all of that, I do recommend that we consolidate into NatWest.","start":973.47,"end":979.88495,"sentiment":"neutral","sentiment_score":0.2681907759979367},{"text":"So NatWest is the one that you currently have the most amount of money into.","start":980.345,"end":984.605,"sentiment":"positive","sentiment_score":0.4002676765124003}],"sentiment":"positive","sentiment_score":0.42515393024996706,"channel":0,"num_words":95,"start":950.045,"end":984.605},{"sentences":[{"text":"It is the one that has the most flexibility with your investment so we can achieve more when it comes to your return.","start":984.90497,"end":991.69,"sentiment":"positive","sentiment_score":0.4985850051693294},{"text":"Now it is a little bit more expensive than some of the other super funds, but what we can do with the investment kind of outweigh that as well, which I will show you on the next couple of pages.","start":992.07,"end":1003.05,"sentiment":"neutral","sentiment_score":0.052226038929075},{"text":"Do you have any questions so far otherwise?","start":1004.15,"end":1006.525,"sentiment":"neutral","sentiment_score":0.01652650604955852}],"sentiment":"neutral","sentiment_score":0.1927987144289302,"channel":0,"num_words":71,"start":984.90497,"end":1006.525},{"sentences":[{"text":"I don't think I'm down alright.","start":1007.385,"end":1009.005,"sentiment":"neutral","sentiment_score":-0.21313674002885818}],"sentiment":"neutral","sentiment_score":-0.21313674002885818,"channel":1,"num_words":6,"start":1007.385,"end":1009.005},{"sentences":[{"text":"Yep.","start":1009.385,"end":1009.785,"sentiment":"neutral","sentiment_score":0.04059311002492905},{"text":"Okay.","start":1009.785,"end":1010.285,"sentiment":"neutral","sentiment_score":0.2048356682062149},{"text":"Perfect.","start":1010.505,"end":1011.005,"sentiment":"positive","sentiment_score":0.4452173709869385},{"text":"Now I did consider other options to Netwealth as well.","start":1011.625,"end":1014.745,"sentiment":"neutral","sentiment_score":0.1817144677042961},{"text":"There was one competitor that was pretty 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thing.","start":1375.615,"end":1378.995,"sentiment":"positive","sentiment_score":0.7564475676592659}],"sentiment":"positive","sentiment_score":0.700057793747295,"channel":0,"num_words":33,"start":1368.01,"end":1378.995},{"sentences":[{"text":"Yep.","start":1381.39,"end":1381.89,"sentiment":"positive","sentiment_score":0.3844015598297119}],"sentiment":"positive","sentiment_score":0.3844015598297119,"channel":1,"num_words":1,"start":1381.39,"end":1381.89},{"sentences":[{"text":"Now that just outlines again for you the outcomes in regards to it.","start":1382.735,"end":1387.8099,"sentiment":"neutral","sentiment_score":0.2814444269125278},{"text":"It will break it down in a little bit more because I know it's quite a lot to take in, you know, how it works with the taxing.","start":1387.8099,"end":1393.83,"sentiment":"neutral","sentiment_score":0.24609994515776634},{"text":"Something to be mindful of is the contribution 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great.","start":1406.495,"end":1411.875,"sentiment":"positive","sentiment_score":0.38350771893473234}],"sentiment":"positive","sentiment_score":0.38350771893473234,"channel":0,"num_words":17,"start":1406.495,"end":1411.875},{"sentences":[{"text":"Yep.","start":1411.85,"end":1412.35,"sentiment":"neutral","sentiment_score":0.20311705768108368}],"sentiment":"neutral","sentiment_score":0.20311705768108368,"channel":1,"num_words":1,"start":1411.85,"end":1412.35},{"sentences":[{"text":"If anything changes, though, and you call me and you go, you know what?","start":1412.015,"end":1415.54,"sentiment":"neutral","sentiment_score":0.06658474089843887},{"text":"I wanna put more in, that's okay.","start":1415.54,"end":1417.86,"sentiment":"neutral","sentiment_score":0.06707973831466266},{"text":"Just call me.","start":1417.86,"end":1418.5,"sentiment":"neutral","sentiment_score":0.07385687405864398},{"text":"I'll do the math for you because we wanna make sure you don't exceed that amount if you do 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be","start":1428.935,"end":1429.255,"sentiment":"neutral","sentiment_score":0.012968052178621292}],"sentiment":"neutral","sentiment_score":0.012968052178621292,"channel":1,"num_words":2,"start":1428.935,"end":1429.255},{"sentences":[{"text":"is","start":1429.0951,"end":1429.5951,"sentiment":"neutral","sentiment_score":-0.003692537546157837}],"sentiment":"neutral","sentiment_score":-0.003692537546157837,"channel":0,"num_words":1,"start":1429.0951,"end":1429.5951},{"sentences":[{"text":"the 600 that'd have to be the 600 or 800 a week, wouldn't it?","start":1429.255,"end":1433.55,"sentiment":"neutral","sentiment_score":0.01855535658874682}],"sentiment":"neutral","sentiment_score":0.01855535658874682,"channel":1,"num_words":14,"start":1429.255,"end":1433.55},{"sentences":[{"text":"yeah.","start":1433.7351,"end":1433.895,"sentiment":"neutral","sentiment_score":0.02993968315422535},{"text":"It's it's a it's a lot more.","start":1433.895,"end":1435.495,"sentiment":"neutral","sentiment_score":0.035503726984773366},{"text":"So there is plan there's plenty of space.","start":1435.495,"end":1437.7351,"sentiment":"neutral","sentiment_score":0.11285869311541319},{"text":"But if for for some you know, something happens or, you know, you you win the lottery or something and you just go, hey.","start":1437.7351,"end":1442.77,"sentiment":"neutral","sentiment_score":0.09601470517615478},{"text":"I wanna put a little bit more in.","start":1442.77,"end":1443.97,"sentiment":"neutral","sentiment_score":0.09150278940796852}],"sentiment":"neutral","sentiment_score":0.08786896992630015,"channel":0,"num_words":48,"start":1433.7351,"end":1443.97},{"sentences":[{"text":"That's fine.","start":1443.97,"end":1444.53,"sentiment":"neutral","sentiment_score":0.18519704043865204},{"text":"Just call me first so","start":1444.53,"end":1445.57,"sentiment":"neutral","sentiment_score":0.09680212587118149}],"sentiment":"neutral","sentiment_score":0.12205781574760165,"channel":0,"num_words":7,"start":1443.97,"end":1445.57},{"sentences":[{"text":"Yeah.","start":1445.55,"end":1446.05,"sentiment":"neutral","sentiment_score":0.10688389837741852}],"sentiment":"neutral","sentiment_score":0.10688389837741852,"channel":1,"num_words":1,"start":1445.55,"end":1446.05},{"sentences":[{"text":"I can I can do that math for you?","start":1445.57,"end":1447.51,"sentiment":"neutral","sentiment_score":0.16525235772132874}],"sentiment":"neutral","sentiment_score":0.16525235772132874,"channel":0,"num_words":9,"start":1445.57,"end":1447.51},{"sentences":[{"text":"Yep.","start":1447.87,"end":1448.37,"sentiment":"neutral","sentiment_score":0.145933136343956}],"sentiment":"neutral","sentiment_score":0.145933136343956,"channel":1,"num_words":1,"start":1447.87,"end":1448.37},{"sentences":[{"text":"Yeah.","start":1449.09,"end":1449.49,"sentiment":"neutral","sentiment_score":0.25274115800857544},{"text":"Perfect.","start":1449.49,"end":1449.99,"sentiment":"neutral","sentiment_score":0.21263185143470764},{"text":"Obviously, at this advantage, to be mindful of that money that you put into superannuation, it will be locked in until you meet a condition of 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savings.","start":1465.775,"end":1473.63,"sentiment":"positive","sentiment_score":0.3866075327992439},{"text":"Any questions so far?","start":1475.85,"end":1477.15,"sentiment":"neutral","sentiment_score":0.045193187426775694}],"sentiment":"neutral","sentiment_score":0.20114178777953914,"channel":0,"num_words":43,"start":1460.895,"end":1477.15},{"sentences":[{"text":"Not.","start":1478.075,"end":1478.575,"sentiment":"neutral","sentiment_score":-0.12157690525054932}],"sentiment":"neutral","sentiment_score":-0.12157690525054932,"channel":1,"num_words":1,"start":1478.075,"end":1478.575},{"sentences":[{"text":"None?","start":1478.81,"end":1479.29,"sentiment":"neutral","sentiment_score":-0.08888815343379974},{"text":"Okay.","start":1479.29,"end":1479.79,"sentiment":"neutral","sentiment_score":0.12441200017929076},{"text":"Perfect.","start":1480.17,"end":1480.67,"sentiment":"positive","sentiment_score":0.4455828368663788},{"text":"Now if you can then scroll through page page 17, the 17 of page number on the page, the heading should say recommended investment.","start":1482.01,"end":1492.085,"sentiment":"neutral","sentiment_score":0.17155711352825165}],"sentiment":"neutral","sentiment_score":0.17031397808481147,"channel":0,"num_words":27,"start":1478.81,"end":1492.085},{"sentences":[{"text":"Yep.","start":1493.4601,"end":1493.9601,"sentiment":"neutral","sentiment_score":0.20992502570152283}],"sentiment":"neutral","sentiment_score":0.20992502570152283,"channel":1,"num_words":1,"start":1493.4601,"end":1493.9601},{"sentences":[{"text":"Yep.","start":1494.305,"end":1494.805,"sentiment":"neutral","sentiment_score":0.23931840062141416},{"text":"So this can be a little bit messy as well, so I'll kinda keep it easy for you.","start":1495.345,"end":1498.9,"sentiment":"neutral","sentiment_score":0.25517646968364716},{"text":"Essentially, the first table shows you your current 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it it's a table that can look a little bit messy, but, essentially, I have made some recommendations on changing some of your investments.","start":1543.415,"end":1552.155,"sentiment":"neutral","sentiment_score":0.05818329781293869},{"text":"Now we still wanna keep everything in Netwealth.","start":1552.855,"end":1556.34,"sentiment":"neutral","sentiment_score":0.1328588454052806},{"text":"We still wanna keep your risk profile as your growth, but some of the investments in Netwealth, there there is one in particular, the Benelong Australian Equities has underperformed a little bit.","start":1556.4,"end":1571.0651,"sentiment":"neutral","sentiment_score":0.12216507247649133},{"text":"So do we do wanna swap that one out to one that is doing a little bit better for you.","start":1571.365,"end":1576.265,"sentiment":"neutral","sentiment_score":0.14928224496543407},{"text":"So you can kind of see a few 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insurances.","start":2026.64,"end":2028.9,"sentiment":"positive","sentiment_score":0.4239578604698181},{"text":"It factors in adviser fees.","start":2029.28,"end":2031.28,"sentiment":"neutral","sentiment_score":0.2551248729228973},{"text":"It factors in the tax, all the changes as well as the change in your investment, and you can then see the kind of estimated change.","start":2031.28,"end":2041.175,"sentiment":"positive","sentiment_score":0.34577074761574084}],"sentiment":"positive","sentiment_score":0.4239966389723122,"channel":0,"num_words":64,"start":2017.495,"end":2041.175},{"sentences":[{"text":"So looking at the difference between both the the three years and the eight years, you can see that it still will put you in a better position by making that 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Ward?","start":2054.91,"end":2056.69,"sentiment":"neutral","sentiment_score":0.03868088722229004}],"sentiment":"neutral","sentiment_score":0.046038687229156494,"channel":0,"num_words":6,"start":2054.27,"end":2056.69},{"sentences":[{"text":"No.","start":2058.2349,"end":2058.555,"sentiment":"neutral","sentiment_score":-0.1353009045124054},{"text":"I don't think so.","start":2058.555,"end":2059.615,"sentiment":"neutral","sentiment_score":-0.16015340387821198}],"sentiment":"neutral","sentiment_score":-0.15518290400505066,"channel":1,"num_words":5,"start":2058.2349,"end":2059.615},{"sentences":[{"text":"No?","start":2059.39,"end":2059.89,"sentiment":"neutral","sentiment_score":-0.07533064484596252},{"text":"Okay.","start":2059.95,"end":2060.45,"sentiment":"neutral","sentiment_score":0.10557570308446884},{"text":"Perfect.","start":2060.5898,"end":2061.0898,"sentiment":"positive","sentiment_score":0.40132516622543335},{"text":"Now I have included on the next page, so that is page 22 where it says retirement income calculation for you.","start":2063.3352,"end":2069.895,"sentiment":"neutral","sentiment_score":0.17028592083425748},{"text":"Can you see that?","start":2069.895,"end":2070.955,"sentiment":"neutral","sentiment_score":0.10309937037527561}],"sentiment":"neutral","sentiment_score":0.1578561444101589,"channel":0,"num_words":28,"start":2059.39,"end":2070.955},{"sentences":[{"text":"Yep.","start":2071.4202,"end":2071.9202,"sentiment":"neutral","sentiment_score":0.1274416297674179}],"sentiment":"neutral","sentiment_score":0.1274416297674179,"channel":1,"num_words":1,"start":2071.4202,"end":2071.9202},{"sentences":[{"text":"Yeah.","start":2072.135,"end":2072.5352,"sentiment":"neutral","sentiment_score":0.14092126488685608},{"text":"So that is just to show you because I know you mentioned that you, you know, think that you probably have to work through about age 65.","start":2072.5352,"end":2080.57,"sentiment":"neutral","sentiment_score":0.16562824696302414},{"text":"60 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at 52.","start":2142.2,"end":2143.315,"sentiment":"neutral","sentiment_score":0.07100370526313782},{"text":"So that shows you that you can take that 52,000 a year at 65.","start":2143.315,"end":2148.695,"sentiment":"neutral","sentiment_score":0.19653408229351044},{"text":"And then at 67, it can then be supplemented by potential age pension, and it will then your would then potentially run out at around 92, and then it will be age pension.","start":2148.915,"end":2160.83,"sentiment":"neutral","sentiment_score":0.16426623612642288}],"sentiment":"neutral","sentiment_score":0.17909063063226305,"channel":0,"num_words":111,"start":2124.625,"end":2160.83},{"sentences":[{"text":"So, obviously, it lasts a lot longer for 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happened.","start":2208.095,"end":2215.2,"sentiment":"neutral","sentiment_score":-0.04266871279105544}],"sentiment":"neutral","sentiment_score":-0.04266871279105544,"channel":1,"num_words":24,"start":2208.095,"end":2215.2},{"sentences":[{"text":"Yes.","start":2215.5,"end":2216.0,"sentiment":"neutral","sentiment_score":-0.0021459143608808517}],"sentiment":"neutral","sentiment_score":-0.0021459143608808517,"channel":0,"num_words":1,"start":2215.5,"end":2216.0},{"sentences":[{"text":"And and then I've accidentally and I've had that other 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hey.","start":2243.49,"end":2248.1301,"sentiment":"neutral","sentiment_score":0.09919024836272002},{"text":"I want to do this.","start":2248.1301,"end":2249.09,"sentiment":"neutral","sentiment_score":0.0895091325044632},{"text":"Can I do it?","start":2249.09,"end":2249.925,"sentiment":"neutral","sentiment_score":0.11315380781888962}],"sentiment":"neutral","sentiment_score":0.11997028044424951,"channel":0,"num_words":48,"start":2238.77,"end":2249.925},{"sentences":[{"text":"What should I do?","start":2249.925,"end":2250.325,"sentiment":"neutral","sentiment_score":0.03165846038609743},{"text":"We're here to help you with it as well because it can be really messy and confusing.","start":2250.325,"end":2254.185,"sentiment":"neutral","sentiment_score":0.07341473856393028},{"text":"And I thought that's probably why you do have that two year waiting period because that's typically the only way we would see that long one is if you do 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protection.","start":2554.415,"end":2560.915,"sentiment":"negative","sentiment_score":-0.35415901438049646},{"text":"So that would mean that","start":2560.9749,"end":2562.355,"sentiment":"neutral","sentiment_score":-0.20479826480150223}],"sentiment":"neutral","sentiment_score":-0.26394833909238086,"channel":0,"num_words":34,"start":2552.255,"end":2562.355}]},"summary":{"result":"success","short":"The representative from Oakview Financial discusses strategy recommendations with Rob, emphasizing reducing his insurance policy before it is canceled and maximizing growth for retirement. They provide advice on changing risk profiles, removing old insurance coverage, and consolidating with NatWest. The speaker emphasizes maximizing growth for retirement and offers to provide strategy recommendations for other alternatives. They also discuss the benefits of consolidating super funds and the retirement savings for the customer. The agent recommends changing investment portfolios and emphasizes the importance of minimizing capital gains tax. The agent also discusses the process of managing money and suggests changing retirement income projections."},"intents":{"segments":[{"text":"And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, Yep.","start_word":102,"end_word":127,"intents":[{"intent":"Confirm conversation","confidence_score":0.0018052865}]},{"text":"It help it it would help if I have the directions for it too, wouldn't it?","start_word":364,"end_word":379,"intents":[{"intent":"Receive directions","confidence_score":0.0003}]},{"text":"And like I said, if you can't, I can always run through it with you. Alright.","start_word":415,"end_word":430,"intents":[{"intent":"Run through request","confidence_score":0.7675923}]},{"text":"So we have recently changed over to a new software, so it might look a little bit different than usual. Essentially, before you click on the link, you will see that there are a number of attachments if you scroll down in the email. Can you see those? Hang on.","start_word":460,"end_word":509,"intents":[{"intent":"View attachments","confidence_score":0.022884753}]},{"text":"Because at the moment, you do have quite a few super funds, and we will now obviously tryna streamline that as much as we can for you. And Yep.","start_word":864,"end_word":892,"intents":[{"intent":"Restructure super funds","confidence_score":0.06368355}]},{"text":"So if you say scope of advice, that would be at the bottom, do you see page three on that page? Yeah.","start_word":1423,"end_word":1444,"intents":[{"intent":"Provide advice","confidence_score":0.048338663}]},{"text":"So, essentially, our main focus was to sort out your insurances. Sorry.","start_word":1622,"end_word":1633,"intents":[{"intent":"Discuss insurances","confidence_score":0.09592829}]},{"text":"So having a look at your income protection and that total permanent disability to make sure that you do have protection in place if something were to happen to you.","start_word":1690,"end_word":1719,"intents":[{"intent":"Discuss income protection","confidence_score":0.10868915}]},{"text":"Now I haven't made a recommendation on trauma cover. Last time we spoke, you mentioned that you weren't really interested in trauma. It is a policy you have to pay for out of pocket, and you were trying to kind of minimize your out of pocket expenses. Does that all ring a bell?","start_word":1720,"end_word":1772,"intents":[{"intent":"Discuss policy coverage","confidence_score":0.0677146}]},{"text":"So I will go through all of the the insurances for you.","start_word":1831,"end_word":1842,"intents":[{"intent":"Access and compare insurance policies","confidence_score":0.0001626038}]},{"text":"So I will go through all of the the insurances for you. So, basically, the next page is then you have page five. So you can see the actual strategies listed in a table there for you, what we are looking at doing. But I'll go through these in details as we go through it for you.","start_word":1831,"end_word":1887,"intents":[{"intent":"Review insurance policies and information","confidence_score":0.0039015585}]},{"text":"Could you just have a quick read over that for me just to make sure that's pretty up to date or if I need to make any changes in the back end for you?","start_word":1899,"end_word":1932,"intents":[{"intent":"Make changes in a backend","confidence_score":0.000010106868}]},{"text":"So as you can see here, you do have quite a few in super funds at the moment. You have, obviously, your Netwealth where you have the most amount of money. You also have your, brighter super. You have Asgard. You have HESTA and then, Australian Retirement Trust. Now Mhmm.","start_word":1960,"end_word":2009,"intents":[{"intent":"View portfolios in the table","confidence_score":8.700214e-9}]},{"text":"It is a five year benefit period, but the monthly amount is only a thousand dollars. That's that's by fire. Yeah.","start_word":2157,"end_word":2177,"intents":[{"intent":"Discuss benefit periods","confidence_score":0.0025994114}]},{"text":"So I've done research on all your current super funds and which one is going to be the best for you and also alternatives. So, you know, making sure that the the superannuation that we are consolidating you to, if possible, is the one that is ultimately going to give you the best returns and put you in the best position for retirement.","start_word":2558,"end_word":2620,"intents":[{"intent":"Consolidate super fund","confidence_score":0.01844925}]},{"text":"A lot of it is the complaints, but it's also to make sure that you fully understand everything, is you will see a little table outlining the advantages in regards to the recommendation of consolidating your super and then the disadvantages and warnings to be mindful of as well.","start_word":2893,"end_word":2941,"intents":[{"intent":"Consolidate super","confidence_score":0.32234406}]},{"text":"You are, by doing it, saving quite a bit in investment fees and But a downside by consolidating is that, obviously, in the process of transferring the money, so, obviously, you'll you'll sell down to cash.","start_word":2983,"end_word":3018,"intents":[{"intent":"Save money","confidence_score":0.36312512}]},{"text":"Know, there is a potential for a little bit of growth loss in that time frame. Tend to happen pretty quickly, but, obviously, something for you to be aware of as well.","start_word":3030,"end_word":3061,"intents":[{"intent":"Understand risks","confidence_score":0.012333274}]},{"text":"doing the research, we make sure we do extensive research to give you as much, you know, clarity as we can.","start_word":3121,"end_word":3141,"intents":[{"intent":"Provide clarity and clarity","confidence_score":0.0019947856}]},{"text":"Is that the statement of voice? It is important to do as long as is that the that the one you do?","start_word":3226,"end_word":3247,"intents":[{"intent":"Make a statement of voice","confidence_score":0.06112492}]},{"text":"It will be they had there should be a on page 15 on that statement of advice, it's a it's a blue heading, and it says at the top that Rods make a tax deductible. Can you see that?","start_word":3249,"end_word":3287,"intents":[{"intent":"Confirm tax deduction","confidence_score":0.039180323}]},{"text":"It will be they had there should be a on page 15 on that statement of advice, it's a it's a blue heading, and it says at the top that Rods make a tax deductible. Can you see that? Yeah?","start_word":3249,"end_word":3288,"intents":[{"intent":"Help with tax deduction","confidence_score":0.040033553}]},{"text":"So you mentioned as well that you obviously want to start making contributions into superannuation to try to grow that for you because it's something you haven't really been doing. So we do wanna, you know, make sure we can do that for you.","start_word":3373,"end_word":3416,"intents":[{"intent":"Grow superannuation","confidence_score":0.08577471}]},{"text":"So you mentioned as well that you obviously want to start making contributions into superannuation to try to grow that for you because it's something you haven't really been doing. So we do wanna, you know, make sure we can do that for you. Last time, you mentioned that you're happy to start contributing about $200 a week as Yep.","start_word":3373,"end_word":3432,"intents":[{"intent":"Make contributions","confidence_score":0.2319541}]},{"text":"Now the way that you would do that, obviously, as being self employed, we would give you all the the documents on on how to do it is that because of, obviously, employment situation, you would typically make the contributions from your bank account. Like, you can do it Yes. straight bank account. Now because it's from your bank account, it's money that you've already paid tax on. So Yep.","start_word":3449,"end_word":3518,"intents":[{"intent":"Provide documents","confidence_score":0.1231532}]},{"text":"There is a cap on 30,000 per year. So at the moment, doing $2,200 a week, you are well under that cap, so that's great. Yep.","start_word":3784,"end_word":3809,"intents":[{"intent":"Calculate tax savings","confidence_score":0.002140272},{"intent":"Determine cap on tax savings","confidence_score":0.00075014454}]},{"text":"Yep.","start_word":3809,"end_word":3809,"intents":[{"intent":"Calculate cost","confidence_score":0.0069687967}]},{"text":"If you'd wanna do it after tax, That'd have there to is be the 600 that'd have to be the 600 or 800 a week, wouldn't it? yeah.","start_word":3857,"end_word":3884,"intents":[{"intent":"Determine plan for saving","confidence_score":0.005661841}]},{"text":"So there is plan there's plenty of space. But if for for some you know, something happens or, you know, you you win the lottery or something and you just go, hey. I wanna put a little bit more in.","start_word":3892,"end_word":3931,"intents":[{"intent":"Identify plan for saving","confidence_score":0.00010794929}]},{"text":"So these are your biggest investments. So you will see, for example, the IHS S and P 500. Now that one is at 30%. You already have it in your current portfolio. It's doing really well. It's just quietly just realigning it with you. But just for your reference, with that one single investment, it is invested in the 500 biggest companies listed in The US in just one of that.","start_word":4347,"end_word":4417,"intents":[{"intent":"Analyze portfolio investments","confidence_score":0.02550622}]},{"text":"Now the next page will show you the asset allocation. That is kind of talking about that growth portfolio. So portfolio. So like I mentioned, we're not changing it. We're keeping that the same, about that eighty twenty split for you. But it just shows you that on on paper, essentially. Now what most people find the most interesting is then your page 21. Mhmm.","start_word":4722,"end_word":4786,"intents":[{"intent":"Show portfolio information","confidence_score":0.012193273}]},{"text":"So portfolio.","start_word":4741,"end_word":4742,"intents":[{"intent":"Show portfolios","confidence_score":0.0144644}]},{"text":"Now what most people find the most interesting is then your page 21. Mhmm.","start_word":4773,"end_word":4786,"intents":[{"intent":"Recommend pages","confidence_score":0.01635373}]},{"text":"So this kind of sometimes makes it a bit more easier to understand. So what I have done is you will see your current situation and then the recommended.","start_word":4834,"end_word":4862,"intents":[{"intent":"Understand financial situation","confidence_score":0.0011761491}]},{"text":"So the current situation is showing you your super funds at the moment now.","start_word":4863,"end_word":4876,"intents":[{"intent":"Show current super funds","confidence_score":0.018222222}]},{"text":"I have done your current net worth, and then I've added up all your other super funds into the one section. This is trying to make it a little bit easier. So you have your net wealth and then all your other super funds. Now you will then see your current fees, so your administration fees and investment fees. Everything that you are currently paying are advised to fees in network for you, and then the insurances that you are currently paying from your other super funds.","start_word":4888,"end_word":4974,"intents":[{"intent":"Show net worth","confidence_score":0.018849604}]},{"text":"So that is consolidating everything into Netwealth for you.","start_word":5066,"end_word":5074,"intents":[{"intent":"Consolidate investments","confidence_score":0.11955843}]},{"text":"I'm trying to minimize it as much as possible by still making sure that we achieve a better return and reduce some of the administration fees.","start_word":5151,"end_word":5176,"intents":[{"intent":"Lower capital gains tax","confidence_score":0.020949319},{"intent":"Reduce administrative fees","confidence_score":0.051826686}]},{"text":"Now the percentage isn't changing. It's at 1.65. But because we are now managing more money, it's that's why the change is there. Because it's a percentage of your super balance, but the percentage itself is not changing. Okay? Alright.","start_word":5256,"end_word":5295,"intents":[{"intent":"View percentage change","confidence_score":0.005342996}]},{"text":"It factors in adviser fees. It factors in the tax, all the changes as well as the change in your investment, and you can then see the kind of estimated change. So looking at the difference between both the the three years and the eight years, you can see that it still will put you in a better position by making that change. Okay? Yep.","start_word":5439,"end_word":5503,"intents":[{"intent":"Explain role of adviser fees","confidence_score":0.000025034104}]},{"text":"Now I have included on the next page, so that is page 22 where it says retirement income calculation for you. Can you see that?","start_word":5518,"end_word":5542,"intents":[{"intent":"Provide retirement income calculation","confidence_score":0.018056413},{"intent":"Provide retirement income calculation","confidence_score":0.10914661},{"intent":"Show retirement incomes","confidence_score":0.00001980126},{"intent":"Explain retirement income calculation","confidence_score":0.16540705},{"intent":"Explain retirement income calculation","confidence_score":0.3034814},{"intent":"Show retirement income calculation","confidence_score":0.013795887},{"intent":"Explain retirement income calculation","confidence_score":0.24198444}]},{"text":"So that is just to show you because I know you mentioned that you, you know, think that you probably have to work through about age 65. 60 would be great.","start_word":5545,"end_word":5575,"intents":[{"intent":"Explain retirement age","confidence_score":0.13010657},{"intent":"Discuss retirement age","confidence_score":0.0073808124}]},{"text":"Now age pension, if you are eligible for it, won't kick in until 67. So that's why kind of the change in the color. So the black is money you take from your super, and then the blue is potential age pension. Okay?","start_word":5624,"end_word":5666,"intents":[{"intent":"Provide example of age pension benefits","confidence_score":0.00007629195}]},{"text":"Now age pension, if you are eligible for it, won't kick in until 67. So that's why kind of the change in the color. So the black is money you take from your super, and then the blue is potential age pension. Okay? Yep.","start_word":5624,"end_word":5667,"intents":[{"intent":"Explain age pension benefits","confidence_score":0.0033773344}]},{"text":"So the next page, page 23, heading says, Rod, retain your existing income protection. Can you see that?","start_word":5827,"end_word":5844,"intents":[{"intent":"Provide information","confidence_score":0.011511657}]},{"text":"I know you mentioned that you feel that, obviously, the two year waiting period is very long, and it is quite long. So I would've spoke to all the insurers out there and see what they said and Yeah.","start_word":5876,"end_word":5914,"intents":[{"intent":"Explain waiting period","confidence_score":0.013612796}]},{"text":"the only time I heard from them was when they wanted more money for the insurance. I I Yeah. lost the whole lot. Yeah.","start_word":6221,"end_word":6244,"intents":[{"intent":"Understand insurance situation","confidence_score":0.0007753483}]},{"text":"with your income protection, like I said, I spoke to all the insurers out there. And because of your occupation at the moment, they are all saying that you won't be able to get another policy because they think it's too risky on occupation. So that kind of limits what we can do with income protection.","start_word":6304,"end_word":6359,"intents":[{"intent":"Assist with income protection policy","confidence_score":0.010333971}]},{"text":"So the good thing is that I have found a policy for total permanent disability, which is good.","start_word":6512,"end_word":6529,"intents":[{"intent":"Find permanent disability policy","confidence_score":0.10387134}]},{"text":"So I have spoken to Astrum, and I have got a quote to change the benefit period. So instead of it being to age 65, reduce it to five years.","start_word":6583,"end_word":6612,"intents":[{"intent":"Change benefit period","confidence_score":0.6671063}]},{"text":"Now, ultimately, it is up to you if you do wanna keep it or not.","start_word":6650,"end_word":6664,"intents":[{"intent":"Maintain coverage","confidence_score":0.012476306}]},{"text":"Yeah.","start_word":6721,"end_word":6721,"intents":[{"intent":"Address disability","confidence_score":0.0031614027}]}]},"sentiments":{"segments":[{"text":"Hello. Ross speaking.","start_word":0,"end_word":2,"sentiment":"neutral","sentiment_score":0.0427020899951458},{"text":"Good morning, Rob. This is Veronica from Oakview Financial.","start_word":3,"end_word":11,"sentiment":"positive","sentiment_score":0.3809722065925598},{"text":"How are you this morning? Not too bad.","start_word":12,"end_word":19,"sentiment":"neutral","sentiment_score":0.3171021640300751},{"text":"Thanks.","start_word":20,"end_word":20,"sentiment":"positive","sentiment_score":0.4560757875442505},{"text":"Just Yourself? so bad. Yeah.","start_word":21,"end_word":25,"sentiment":"neutral","sentiment_score":0.1669188141822815},{"text":"I'm well. Thank you. I had you booked in to go over your strategy recommendations with you.","start_word":26,"end_word":42,"sentiment":"positive","sentiment_score":0.41792839765548706},{"text":"Is now still a good time? Yeah. We'll give it a go. Yeah. Alright.","start_word":43,"end_word":56,"sentiment":"neutral","sentiment_score":0.25443845987319946},{"text":"I will try to keep it quick for you.","start_word":57,"end_word":65,"sentiment":"positive","sentiment_score":0.33620837330818176},{"text":"Now just before I go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay with you. Yep. Yep. Yep. No Perfect. worries. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, Yep. Rob Leslie Flynn. 07/08 to the please? third nineteen sixty nine. Yep. Address is 55 Forbes Road, Cooomba 4503. What else do I have to do? Yep. No. That's it. That's everything.","start_word":66,"end_word":159,"sentiment":"neutral","sentiment_score":0.03535347804427147},{"text":"Thank you so much for that.","start_word":160,"end_word":165,"sentiment":"positive","sentiment_score":0.6137528419494629},{"text":"Now do you have access to your emails at the moment? If I you probably can. I'm just just yeah? pulling some earpieces the other day. I'm just trying to rig them up so I can walk If and you, talk to you. yeah, if you quit, that would be good because what I'm doing is I'm just sending you an email right now with the the SOA to go through with you. And because there are a couple of things. It does make it easier for you if you can get it up at the same time even if it's just on your phone. But if you can't, I can always run through it with you, and then you can have a look through it later. It is up to you. Right. Hang on. I'll just see if I can get this ready. I'm coming here. I'll see if I can get this working out. I've only just bought them and had them on me. It's like that sometimes. I don't have a shirt pocket to put my shirt. I mean, fine in the morning, so otherwise, I gotta carry it.","start_word":166,"end_word":357,"sentiment":"neutral","sentiment_score":0.05883778049610555},{"text":"Why is it not coming up?","start_word":358,"end_word":363,"sentiment":"negative","sentiment_score":-0.3402051329612732},{"text":"It help it it would help if I have the directions for it too, wouldn't it? I'm just gonna see whether it's gonna come up. Okay. Yep.","start_word":364,"end_word":390,"sentiment":"neutral","sentiment_score":0.06706757098436356},{"text":"Take your time. I have just sent it to you, so it might take a couple of minutes anyway. So see how you go.","start_word":391,"end_word":414,"sentiment":"positive","sentiment_score":0.3498135805130005},{"text":"And like I said, if you can't, I can always run through it with you. Alright. Give me a sec. I'll go up here and have a bit of a look. Yeah. Yep. Okay. I've got a signature request. Is that the one? Yes. Yes. So we have recently changed over to a new software, so it might look a little bit different than usual. Essentially, before you click on the link, you will see that there are a number of attachments if you scroll down in the email. Can you see those? Hang on.","start_word":415,"end_word":509,"sentiment":"neutral","sentiment_score":0.07439818233251572},{"text":"This bloody thing still is almost I must have I must have cut spare.","start_word":510,"end_word":523,"sentiment":"negative","sentiment_score":-0.7487931251525879},{"text":"You there? Yes. Okay. Very quiet. There we go. You there now? Yes. Yeah. I can hear you, Rod. Can you hear me? Okay. Well, that's a bit better. I've got you in one here anyway, but Okay. oh, That's the okay. other one I was was wondering. saying it wasn't charged, so I'm just trying to get it. No. That's okay. Okay. Can you see those attachments there? So before you click on the link, there will be a couple of attachments. You don't have to open all of them. But can you see that there are a number of attachments there in the email for you? Down the bottom, Yes. Yes. just in Yes. little lines, it says was it onecarepopods.pdf? Yep. Yes. Statement advice, Yes. If you can click service on one guide. for Which me, one the do you state want? the statement of advice. Alright. Yep. Can you see that okay now? Yep. Yeah.","start_word":524,"end_word":682,"sentiment":"neutral","sentiment_score":0.008288887329399586},{"text":"So I'll just go through it here with you because it's easier for you as well.","start_word":683,"end_word":698,"sentiment":"positive","sentiment_score":0.45248717069625854},{"text":"You can see everything. Now this is basically the document that contains the recommendations I'm going through. So this is the important one. Now the other attachments that was there, a lot of it is for research and to show you, obviously, backing up the recommendations, that information about the insurance policy, and an updated financial services guide and mainly a lot of the research is there for you. So if you click on the link later, it will then those are the documents that needs signing. But before that, I'll just go through the actual statement of advice here with you, obviously, to make sure you're happy with everything before we kind of, you know, see if we wanna do that further. Okay? Mhmm. Yep. So as you can see here on the the front page, the the purpose of, obviously, everything today is to try to get all your supers consolidated, start contributing to super for you, and then sorting out your insurances. Because at the moment, you do have quite a few super funds, and we will now obviously tryna streamline that as much as we can for you. And Yep. you're in that position where your So money's gonna grow okay. the most. Do you know whether you guys have done anything with that Hector one?","start_word":699,"end_word":918,"sentiment":"neutral","sentiment_score":0.15356537699699402},{"text":"Because the insurance was about to be canceled.","start_word":919,"end_word":926,"sentiment":"negative","sentiment_score":-0.3463992178440094},{"text":"So I left it up to you to see whether you could do something with it before they cancel it. Yes. Because that is the only insurance that I have on the two years. Yes. That's Exactly. what I told Hayden. I'd not the Hayden. What'd you say? Caden? Hayden. Yeah. Yeah. Do you do you know Yeah. Yeah. So when when they told you that it will be canceled? Just so I know the time frame roughly or not sure. I was on an email. I think it was the middle of this month or something. Okay. Well, we Because wanna we obviously haven't been make because we haven't been yeah. contributing to it. I would Exactly.","start_word":927,"end_word":1044,"sentiment":"neutral","sentiment_score":-0.14108403027057648},{"text":"say there's probably not a lot of there's probably not a lot of people left because I haven't paid anything, so they've probably just taken a Yep. funds from the super. I've I've Yes. lost three like that because I wasn't notified that where the supers were. I didn't even have a clue.","start_word":1045,"end_word":1097,"sentiment":"negative","sentiment_score":-0.4665367305278778},{"text":"Yeah. Well, that's their purpose today is to get everything sorted. Now I will just flag that as well because we wanna make we sort your insurances out before that. But I have done a recommendation in regards to all your insurances as well.","start_word":1098,"end_word":1141,"sentiment":"neutral","sentiment_score":0.237493559718132},{"text":"So we will go through everything here. I'll try to get quick for you, but, essentially, the cover page, obviously, pretty straightforward. I have obviously put together this strategy for you, Rod, that our best believe are going to achieve your goals and your objective.","start_word":1142,"end_word":1186,"sentiment":"positive","sentiment_score":0.5118886232376099},{"text":"But at the end of the day, you know, they are just recommendations. It is completely up to you if you do wanna go ahead with it or not at the end of the day. Now this statement of advice as well is valid for sixty days.","start_word":1187,"end_word":1233,"sentiment":"neutral","sentiment_score":0.2154011428356171},{"text":"So, you know, we obviously wanna get things sorted as soon as possible.","start_word":1234,"end_word":1246,"sentiment":"positive","sentiment_score":0.4556310474872589},{"text":"You have a bit of time, though, to take your time to read over it. Any questions, let me know. But, otherwise, it will expire in sixty days. And you will also have my details listed on the on the cover page there for you. You'll also have my license number listed as well, and I am licensed under OU Financial. Now if you wanna scroll to the second page for me, you will see a little section where it says best interest duty. Can you see that? It should be just after the cover page. Okay. The scope of advice, or do I You've tap on that other? no. You can stay there. You have scrolled a little bit just two pages too far, but that's okay. You can stay there, essentially. Well, at the bottom of that content, it says Yes? page two. Do I have to touch that to open it? No. You should be able to just scroll scroll where you are right now in the attachment, in the the documents. So if you say scope of advice, that would be at the bottom, do you see page three on that page? Yeah. Page three is underneath Yes. it. Yes. So you wanna scroll up two pages for me, the heading should say this document and best interest duties just before the table of content. Oh, yeah. Yeah. Yeah. Yeah. Yep. Sorry. Yep. Okay. No. That's okay. Now this here basically just outlines their best interest duty. And, essentially, what that means is that we have to act in your best interest at all time, and the advice itself has to put you in a better position as a result of the advice. Otherwise, we can't actually make the recommendations. Okay? Does that make Yep. sense? Yep. Yep. Now next page, table of content, pretty self explanatory. Everything we are going over today, so bear with me as I go through this with you, which then takes us to that page three scope of advice. Now if you do have any questions as as I go through it as well, just feel free to interrupt me and ask away. Alright. Yep. You can see that scope of advice now. Yep. Yep. So, essentially, our main focus was to sort out your insurances. Sorry. Your superannuation. So, ultimately, you can retire ideally between 60 and 65 and draw that weekly income of about $1,000 per week, consolidate everything, and then maximize growth as much as possible for you in the interest. So that's what we are focusing on today. Now the next thing is your insurances. That is page four. So having a look at your income protection and that total permanent disability to make sure that you do have protection in place if something were to happen to you. Now I haven't made a recommendation on trauma cover.","start_word":1247,"end_word":1728,"sentiment":"neutral","sentiment_score":0.08001132736067554},{"text":"Last time we spoke, you mentioned that you weren't really interested in trauma.","start_word":1729,"end_word":1741,"sentiment":"negative","sentiment_score":-0.3730316758155823},{"text":"It is a policy you have to pay for out of pocket, and you were trying to kind of minimize your out of pocket expenses. Does that all ring a bell? Well, yeah, sort of thing. I Yeah. just I haven't had one under two years for a while, and I've sort of been wary of it. And then I I Yeah. knew the Hester one had one, and I know it was 90 days, but, Yes. you know, ninety day wait, but it's better than nothing. Yes. Exactly. So I will go through all of the the insurances for you. So, basically, the next page is then you have page five. So you can see the actual strategies listed in a table there for you, what we are looking at doing. But I'll go through these in details as we go through it for you. Now the next two pages are just some information about you. Could you just have a quick read over that for me just to make sure that's pretty up to date or if I need to make any changes in the back end for you? Nah. You're pretty pretty close to it.","start_word":1742,"end_word":1939,"sentiment":"neutral","sentiment_score":0.013909567787189676},{"text":"Pretty pretty good. Yep. Perfect.","start_word":1940,"end_word":1944,"sentiment":"positive","sentiment_score":0.4717603921890259},{"text":"Which then takes us through page eight. The heading says your current superannuation. Yep. Yep. So as you can see here, you do have quite a few in super funds at the moment. You have, obviously, your Netwealth where you have the most amount of money. You also have your, brighter super. You have Asgard. You have HESTA and then, Australian Retirement Trust. Now Mhmm. at the moment, you can see all your balances there. So like you mentioned as well, has currently has about 451 in there, and then you see all the other balances listed there for you as well. Now underneath that is then your current insurance policy. So you have AIA insurance paid currently from Ascot. So that is a life insurance policy. Did you know about that one? I think I did. Yeah. I think I Yeah. So that is a live policy, and that's that did. will pay $8,816,098, and it is costing you 4,360 per year currently coming out of Ascot for that insurance policy that life insurance policy. Okay? Yep. Now underneath that as well, you will see your HESTA. So you have life insurance in HESTA as well, about 46,500. You have income protection as well. So like you mentioned, ninety day wait. It is a five year benefit period, but the monthly amount is only a thousand dollars. That's that's by fire. Yeah. Yes. So they would pay a thousand dollars a month for income replacement if something were to happen. Yep. You then also have your other income protection policy with Astron. So that one will pay you a monthly amount of 3,956. Now Yep. the waiting period, like you said as well, it is quite long. It's seven hundred and thirty days. Yeah. And It's a t e one. Yep. exactly. Now the benefit period for that one is up to the age of 65. Yeah.","start_word":1945,"end_word":2262,"sentiment":"neutral","sentiment_score":0.05210809629855666},{"text":"And Well, I actually told them the other week I'm thinking of canceling it and either changing it or I'm just gonna take out another one because I'm I'm wasting money there.","start_word":2263,"end_word":2294,"sentiment":"negative","sentiment_score":-0.38855230808258057},{"text":"yeah. So I have I done pay research. 400 I pay 400 and something a month for that. Yeah. And I have made a recommendation on that for you. As a suggestion, again, up to you what you wanna do, but I have made a recommendation on how to change it. Now, currently, you are paying 5,148 per year out of pocket for that policy. Yep. Okay? Yes. Now the next two pages is a little bit of information in regards to your risk profile. Did you did you remember that kind of risk profile questionnaire we did, all those multiple choice questions on how you feel about risk and fluctuations and stuff. Yeah. I think I did. Yeah. Yeah. Yeah. So, essentially, you came out as a growth investor. At the moment, you said you you are kind of happy seeing a little bit of fluctuation to try to maximize that growth for you, but you still want a little bit of a defensive portion as well. So we are looking about that 80% in your growth investment. So that is your Australian equity, your international equities, and property as well, and that is what's going to maximize those returns for you, and then about 20% in more defensive assets like your cash, your gold, and your fixed interest. So this just kind of gives you a little bit more information in regards to what that risk profile is for you. Now if you can then scroll to page 12 for me there, Rod, the heading should say strategy recommendations.","start_word":2295,"end_word":2555,"sentiment":"neutral","sentiment_score":0.12552256733750017},{"text":"Yep. Perfect. So I've done research on all your current super funds and which one is going to be the best for you and also alternatives. So, you know, making sure that the the superannuation that we are consolidating you to, if possible, is the one that is ultimately going to give you the best returns and put you in the best position for retirement.","start_word":2556,"end_word":2620,"sentiment":"positive","sentiment_score":0.4680262207984924},{"text":"So after doing all of all of that, I do recommend that we consolidate into NatWest.","start_word":2621,"end_word":2636,"sentiment":"neutral","sentiment_score":0.2564629018306732},{"text":"So NatWest is the one that you currently have the most amount of money into. It is the one that has the most flexibility with your investment so we can achieve more when it comes to your return.","start_word":2637,"end_word":2674,"sentiment":"positive","sentiment_score":0.45491766929626465},{"text":"Now it is a little bit more expensive than some of the other super funds, but what we can do with the investment kind of outweigh that as well, which I will show you on the next couple of pages. Do you have any questions so far otherwise? I don't think I'm down alright. Yep. Okay.","start_word":2675,"end_word":2730,"sentiment":"neutral","sentiment_score":0.010003367438912392},{"text":"Perfect.","start_word":2731,"end_word":2731,"sentiment":"positive","sentiment_score":0.4452173709869385},{"text":"Now I did consider other options to Netwealth as well. There was one competitor that was pretty close. But because your Netwealth has grown quite a bit, which is great, if we wanted to change that, it would mean that you would have to pay a bit of capital gains tax on your earnings in net wealth, and, you know, Yep. the minimal saving in fee just wasn't worth it. But that's not to say, you know, it's always going to be the best option.","start_word":2732,"end_word":2816,"sentiment":"neutral","sentiment_score":0.0908861756324768},{"text":"We always do research to make sure that, you know, the super funds that we recommend for you is the best one.","start_word":2817,"end_word":2838,"sentiment":"positive","sentiment_score":0.36618825793266296},{"text":"You know, there is no tie to Netwealth or anything like that.","start_word":2839,"end_word":2850,"sentiment":"neutral","sentiment_score":0.20107971131801605},{"text":"It's just the one that's, at the moment, going to keep you in the best position.","start_word":2851,"end_word":2866,"sentiment":"positive","sentiment_score":0.5038265585899353},{"text":"So this basically just kind of breaks breaks down all of that for you. Now on the next couple of pages, know it's quite wordy. A lot of it is the complaints, but it's also to make sure that you fully understand everything, is you will see a little table outlining the advantages in regards to the recommendation of consolidating your super and then the disadvantages and warnings to be mindful of as well.","start_word":2867,"end_word":2940,"sentiment":"neutral","sentiment_score":-0.03436463346352448},{"text":"So as you can see, obviously, an advantage is it makes it a lot easier for you. Everything is in one place. It will grow your super the most. We're also updating your investments to try to improve the returns for you.","start_word":2941,"end_word":2982,"sentiment":"positive","sentiment_score":0.6625822186470032},{"text":"You are, by doing it, saving quite a bit in investment fees and But a downside by consolidating is that, obviously, in the process of transferring the money, so, obviously, you'll you'll sell down to cash. We will do all of that for you, transfer everything over.","start_word":2983,"end_word":3029,"sentiment":"neutral","sentiment_score":-0.1941733211278915},{"text":"Know, there is a potential for a little bit of growth loss in that time frame. Tend to happen pretty quickly, but, obviously, something for you to be aware of as well.","start_word":3030,"end_word":3061,"sentiment":"negative","sentiment_score":-0.5146611928939819},{"text":"Yep. Yep. Now, again, as you kind of scroll through, you will see, you know, some warning and alternative. So a warning is that, you know, there is no guarantee what's going to happen to the investment. You know, we can't predict what is going to happen in the future, but that is also why when we are Okay. doing the research, we make sure we do extensive research to give you as much, you know, clarity as we can. You're following so far, Rod? Yeah. I think so. Yeah. Yep. I know. I noticed. It'll it'll makes more sense when I'll show you a table where it shows. This is just kind of like the wording just so you can have a read over it, make sure you understand everything. On the next pages, so I am on page 15 at the moment. The heading says make a tax deductible concessional contribution interest surfer. Can you see that? You said Pyscoofday? Yes, please. Is that the statement of voice? It is important to do as long as is that the that the one you do? It will be they had there should be a on page 15 on that statement of advice, it's a it's a blue heading, and it says at the top that Rods make a tax deductible. Can you see that? Yeah? Or what can you see? And I can No. kind of I direct got you four through. that's 14. Oh, listen. Unless your Next page one? marks at the bottom. But yeah. Yes. Yeah. It's kind of weird because the factors the actual pages on, like, the program you're using will factor in the cover page. But if you look at the bottom of the page, it's, like, one page off. Okay. So yeah. Yeah. Okay. Yeah. You're you're with me now? Yep. Yep. Yep.","start_word":3062,"end_word":3372,"sentiment":"neutral","sentiment_score":-0.027330348250183645},{"text":"So you mentioned as well that you obviously want to start making contributions into superannuation to try to grow that for you because it's something you haven't really been doing. So we do wanna, you know, make sure we can do that for you. Last time, you mentioned that you're happy to start contributing about $200 a week as Yep. a starting point.","start_word":3373,"end_word":3435,"sentiment":"positive","sentiment_score":0.5286037921905518},{"text":"Yep. So I have just shown you basically what that would look like. Now the way that you would do that, obviously, as being self employed, we would give you all the the documents on on how to do it is that because of, obviously, employment situation, you would typically make the contributions from your bank account. Like, you can do it Yes. straight bank account. Now because it's from your bank account, it's money that you've already paid tax on. So Yep. what we will then help you do is that because money in superannuation is only taxed at 15%. And at the moment, with your high income, you can be taxed up to that 45% and the medical levy. So, obviously, a lot more. So Yep.","start_word":3436,"end_word":3563,"sentiment":"neutral","sentiment_score":0.1370380073785782},{"text":"the way that we can do that for you is that you obviously make the contributions from your bank account. But before the end of this financial year, we would help you in superannuation.","start_word":3564,"end_word":3597,"sentiment":"positive","sentiment_score":0.35608136653900146},{"text":"It's just a form.","start_word":3598,"end_word":3601,"sentiment":"neutral","sentiment_score":0.19320659339427948},{"text":"We will basically help you kinda claim some of that tax back because you don't wanna be double taxed, and we wanna save a little bit because there is a concession by making that contribution into Superbump. It might sound a bit complex, but, essentially, by doing it, it just means that you will save a little bit and not having to pay tax on, you know, after tax money. It will be counted as pretax money for you. Yep. Essentially, though, it would mean Alright. that you are making $200 per week into superannuation to grow that as much as possible. And if you can save a little bit on tax as well, that's also a good thing. Yep.","start_word":3602,"end_word":3721,"sentiment":"positive","sentiment_score":0.4825616776943207},{"text":"Now that just outlines again for you the outcomes in regards to it. It will break it down in a little bit more because I know it's quite a lot to take in, you know, how it works with the taxing. Something to be mindful of is the contribution cap. But you're trying to take advantage of, you know, the tax savings. There is a cap on 30,000 per year.","start_word":3722,"end_word":3791,"sentiment":"neutral","sentiment_score":0.232230007648468},{"text":"So at the moment, doing $2,200 a week, you are well under that cap, so that's great.","start_word":3792,"end_word":3808,"sentiment":"positive","sentiment_score":0.3998915851116181},{"text":"Yep. If anything changes, though, and you call me and you go, you know what? I wanna put more in, that's okay. Just call me. I'll do the math for you because we wanna make sure you don't exceed that amount if you do wanna save on tax. If you'd wanna do it after tax, That'd have there to is be the 600 that'd have to be the 600 or 800 a week, wouldn't it? yeah. It's it's a it's a lot more. So there is plan there's plenty of space. But if for for some you know, something happens or, you know, you you win the lottery or something and you just go, hey. I wanna put a little bit more in. That's fine. Just call me first so Yeah. I can I can do that math for you? Yep. Yeah.","start_word":3809,"end_word":3950,"sentiment":"neutral","sentiment_score":0.09118624776601791},{"text":"Perfect.","start_word":3951,"end_word":3951,"sentiment":"positive","sentiment_score":0.4503377079963684},{"text":"Obviously, at this advantage, to be mindful of that money that you put into superannuation, it will be locked in until you meet a condition of release. So that Yep. would be, for example, if you turn 60 and stop working or 65.","start_word":3952,"end_word":3994,"sentiment":"neutral","sentiment_score":0.01569240912795067},{"text":"So that's obviously kind of the downside, but the good thing is they then, you know, boost your superannuation and assist in your retirement savings.","start_word":3995,"end_word":4019,"sentiment":"positive","sentiment_score":0.39100581407547},{"text":"Any questions so far? Not. None? Okay.","start_word":4020,"end_word":4026,"sentiment":"neutral","sentiment_score":0.003866927232593298},{"text":"Perfect.","start_word":4027,"end_word":4027,"sentiment":"positive","sentiment_score":0.4455828368663788},{"text":"Now if you can then scroll through page page 17, the 17 of page number on the page, the heading should say recommended investment. Yep. Yep. So this can be a little bit messy as well, so I'll kinda keep it easy for you. Essentially, the first table shows you your current investment. So you see Brighter Super, for example, you see you are a 100% invested in one of their options. You then have your Ascot. You can see how you are invested in Ascot. You have HESTA, how you are invested in HESTA, and then you have your Australian Retirement Trust and how you are invested in there. And then you also have your network current portfolio listed. Now if you wanna then scroll through the next page, so page 19, the heading will say recommended Alright. investment. Yep? Yep. Again, it it's a table that can look a little bit messy, but, essentially, I have made some recommendations on changing some of your investments. Now we still wanna keep everything in Netwealth. We still wanna keep your risk profile as your growth, but some of the investments in Netwealth, there there is one in particular, the Benelong Australian Equities has underperformed a little bit. So do we do wanna swap that one out to one that is doing a little bit better for you. So you can kind of see a few changes. So the investment philosophy stays the same. The concept, everything stays the same. It is just changing some of your investments. So you can kind of see on this table how it's changing and then the target weight. But, Mhmm. essentially, to try to keep it as easy as I can for you, your foundation of your portfolio, which is, like, what we would call your core portfolio, those are kind of the investments that kind of form the the basis of portfolio. So these are your biggest investments. So you will see, for example, the IHS S and P 500. Now that one is at 30%.","start_word":4028,"end_word":4370,"sentiment":"neutral","sentiment_score":0.18354853475059088},{"text":"You already have it in your current portfolio. It's doing really well. It's just quietly just realigning it with you.","start_word":4371,"end_word":4390,"sentiment":"positive","sentiment_score":0.5169985294342041},{"text":"But just for your reference, with that one single investment, it is invested in the 500 biggest companies listed in The US in just one of that.","start_word":4391,"end_word":4417,"sentiment":"neutral","sentiment_score":0.1926375776529312},{"text":"So, obviously, very diversified for you.","start_word":4418,"end_word":4423,"sentiment":"positive","sentiment_score":0.4943400025367737},{"text":"But at the same time, we don't wanna just have you in one market or one sector, one industry.","start_word":4424,"end_word":4442,"sentiment":"neutral","sentiment_score":0.09025386720895769},{"text":"We wanna diversify things for you. So we also have you can see 20% in beta health Australia 200.","start_word":4443,"end_word":4461,"sentiment":"positive","sentiment_score":0.36834055185317993},{"text":"So that will give you the Australian equity exposure. We have you in a little bit of Europe, a little bit of Japan, and then a little bit around different investments around the world. And, again, that is just because we don't want to just concentrate it in one industry or or one area of the world.","start_word":4462,"end_word":4518,"sentiment":"neutral","sentiment_score":0.2174508273601532},{"text":"We wanna diversify things for you.","start_word":4519,"end_word":4524,"sentiment":"positive","sentiment_score":0.4386707842350006},{"text":"But then we also wanna have, you know, a little bit of that defensive proportion to kinda limit that for you a little bit.","start_word":4525,"end_word":4548,"sentiment":"neutral","sentiment_score":0.18594348430633545},{"text":"So we are still keeping gold as your defensive at 10%. It's done really well, so we wanna keep that for you.","start_word":4549,"end_word":4570,"sentiment":"positive","sentiment_score":0.5126661658287048},{"text":"And then we have, you know, some fixed interest, a little bit of cybersecurity, and and stuff in there for you as well. So it's So it's fairly similar to what you were having in Netwealth. It's just swapping out some that were kind of underperforming a little bit. The other Yep. option So the ones that's in the red that yes. buy and sell, are they are they a loss? Yes. Or No. how That's does just that work? the no. That's just what what we are swapping out. So that is just Alright. saying that we are selling those investments, and then you can see kind of at the bottom of there where it says buy, sell, and there's, like, a zero on the current. Those are what we then were buying into instead. Alrighty. Yep. Yeah. Yep. Just kind of showing you how it's changing, essentially. Yep. Yep. Now the next page will show you the asset allocation. That is kind of talking about that growth portfolio. So portfolio. So like I mentioned, we're not changing it. We're keeping that the same, about that eighty twenty split for you. But it just shows you that on on paper, essentially. Now what most people find the most interesting is then your page 21. Mhmm. Find the most interesting is then your page 21, which if you use the bottom page, now this can look quite messy. But this is the one that has the the table with all the numbers and everything like that for you. Can you see that? Yep. So this kind of sometimes makes it a bit more easier to understand. So what I have done is you will see your current situation and then the recommended. So the current situation is showing you your super funds at the moment now. So I could fit everything on the one page for you. I have done your current net worth, and then I've added up all your other super funds into the one section.","start_word":4571,"end_word":4908,"sentiment":"neutral","sentiment_score":0.10246020248192486},{"text":"This is trying to make it a little bit easier.","start_word":4909,"end_word":4918,"sentiment":"positive","sentiment_score":0.37416407465934753},{"text":"So you have your net wealth and then all your other super funds. Now you will then see your current fees, so your administration fees and investment fees. Everything that you are currently paying are advised to fees in network for you, and then the insurances that you are currently paying from your other super funds. Okay. So super fund. So that will be your your HESTA and your AIA for Ascot. Okay? Yep. Now you then see at the bottom there where it says your free year rolling average. So what I've done, I've calculated the portfolio return for all of them together, and that tells us that combined for all of them, your current portfolios has produced a three year rolling average, averaging it out over three years for you, of 12.9%. Mhmm. Okay? Now on the recommended side, you will then see the changes. So that is consolidating everything into Netwealth for you. Now I do wanna mention by consolidating everything into Netwealth and changing some of your investments, because your investments, you know, have have gone up, like I said, there will be a little bit of a capital gains tax in superannuation. So by making the switch, there will be around 1,444, which is why you can see the difference listed there, and that is the tax on the investment because we are changing some of it. I'm trying to minimize it as much as possible by still making sure that we achieve a better return and reduce some of the administration fees. Now, obviously, that fee can change a little bit because it changes daily, but it's something I do wanna let you know that if we do make that change, there will be a little bit of that capital gains tax come out of your super. Okay? Yep. Now you can then also see the the the fees with Netwealth. So by consolidating everything, you'll have the investment fees and administration fees. Now you'll also see the advice service fee. Now the percentage isn't changing. It's at 1.65. But because we are now managing more money, it's that's why the change is there. Because it's a percentage of your super balance, but the percentage itself is not changing. Okay? Alright. Now What page are you you on here and him? I just clicked I'm in I'm the still 25. I'm still no. That's okay. I'm still on page 20 Okay. That's fine. Yep. one. Yep. Now you will also see so if you can see can you see that three year rolling average again for Yep. me Yep. where it says 18 it's at 18.11%.","start_word":4919,"end_word":5360,"sentiment":"neutral","sentiment_score":0.11215707201224108},{"text":"So it's quite a big difference, which is really good.","start_word":5361,"end_word":5370,"sentiment":"positive","sentiment_score":0.4071384072303772},{"text":"Yep. Yep. Yep. Now at the bottom of that page, you will then see where it says lump sum in three years and lump sum in eight years. You can Yep. see that? Yep. Yep.","start_word":5371,"end_word":5405,"sentiment":"neutral","sentiment_score":0.04781016334891319},{"text":"So this is basically just projecting everything for you. So like I said earlier, the recommendation that we do has to put you in a better position overall. So it factors in insurances.","start_word":5406,"end_word":5438,"sentiment":"positive","sentiment_score":0.5019754767417908},{"text":"It factors in adviser fees.","start_word":5439,"end_word":5443,"sentiment":"neutral","sentiment_score":0.25214600563049316},{"text":"It factors in the tax, all the changes as well as the change in your investment, and you can then see the kind of estimated change. So looking at the difference between both the the three years and the eight years, you can see that it still will put you in a better position by making that change.","start_word":5444,"end_word":5501,"sentiment":"positive","sentiment_score":0.4443027377128601},{"text":"Okay? Yep. Yep. Any questions so far, Ward? No. I don't think so. No? Okay.","start_word":5502,"end_word":5516,"sentiment":"neutral","sentiment_score":-0.00142389175016433},{"text":"Perfect.","start_word":5517,"end_word":5517,"sentiment":"positive","sentiment_score":0.40132516622543335},{"text":"Now I have included on the next page, so that is page 22 where it says retirement income calculation for you. Can you see that? Yep. Yeah. So that is just to show you because I know you mentioned that you, you know, think that you probably have to work through about age 65.","start_word":5518,"end_word":5571,"sentiment":"neutral","sentiment_score":0.15795619785785675},{"text":"60 would be great. So I have included both of that for you.","start_word":5572,"end_word":5584,"sentiment":"positive","sentiment_score":0.5155364871025085},{"text":"Now, again, it can be a little bit messy here, but the first table here shows you that if you retire at age 60, you won't really achieve your goal of being able to draw about 52,000 a year. Now age pension, if you are eligible for it, won't kick in until 67. So that's why kind of the change in the color. So the black is money you take from your super, and then the blue is potential age pension. Okay? Yep. So if you then look at age 65, it's quite a big difference. So at age 60 Yep. five, if, you know, everything kind of stays the same, you keep making the contributions, everything stays the same, it will then show you here that you, you know, you are on track to be able to draw that thousand dollars per week. So that black shows you you see the line at the top where it says the 50,000? That is at 52. So that shows you that you can take that 52,000 a year at 65. And then at 67, it can then be supplemented by potential age pension, and it will then your would then potentially run out at around 92, and then it will be age pension. So, obviously, it lasts a lot longer for you. Yep. Yep. Now any other questions before I move on to the insurances there for you? No? What happened? Yep.","start_word":5585,"end_word":5825,"sentiment":"neutral","sentiment_score":0.1007045498774754},{"text":"Perfect.","start_word":5826,"end_word":5826,"sentiment":"positive","sentiment_score":0.5741239190101624},{"text":"So the next page, page 23, heading says, Rod, retain your existing income protection. Can you see that? Yep. Yep. So I did have a look. So I went and spoke to all the insurers out there to see if I could find another income protection policy for you. I know you mentioned that you feel that, obviously, the two year waiting period is very long, and it is quite long. So I would've spoke to all the insurers out there and see what they said and Yeah. which Well, one see, would I had offer. another insurance inside of two years, and then I took that one out for an outside of two years in case something ever happened. Yes. And and then I've accidentally and I've had that other insurance Yeah. since I Yeah. was 18, and they changed their name. And when Yeah. I found all these insurances together, I started trying them out. Yes. And I didn't recognize the name, Yep. and I threw the wrong one out. Yeah. And that's I had it I had it for nearly thirty years or so. yes. And, you know, as well to make because we can I can obviously do that research for you? So if you ever wanna change anything, you know, you can always just give me a call and say, hey. I want to do this. Can I do it? What should I do? We're here to help you with it as well because it can be really messy and confusing. And I thought that's probably why you do have that two year waiting period because that's typically the only way we would see that long one is if you do have Oh, I think that was just taken out anyway when when the when the paper was made another because I didn't one even to know I had supplement it. it. Yeah. Yeah. A lot of them are the the HESTA one would be your, like, your default one. They just kind Yeah. Well, of I had one set with that it a bunch of up years ago for too, and you then they without I you didn't even having know I to had it. do anything. Yeah. And Yeah. and I didn't know that Super was there. I've never been contacted over to Super. Yeah. And Yeah. the only time I heard from them was when they wanted more money for the insurance. I I Yeah.","start_word":5827,"end_word":6239,"sentiment":"neutral","sentiment_score":-0.03697784446161827},{"text":"lost the whole lot.","start_word":6240,"end_word":6243,"sentiment":"negative","sentiment_score":-0.3354196548461914},{"text":"Yeah. Yeah.","start_word":6244,"end_word":6245,"sentiment":"neutral","sentiment_score":-0.2511265277862549},{"text":"That's not good.","start_word":6246,"end_word":6248,"sentiment":"negative","sentiment_score":-0.5255441665649414},{"text":"And that sometimes, you know, can happen with those industry funds as well. You don't always get a lot of communication with things. Yeah. Well, that's happened about three times now. Yeah.","start_word":6249,"end_word":6280,"sentiment":"neutral","sentiment_score":-0.2382136434316635},{"text":"And, you know, that's that's not good, and we wanna obviously help you with that to make sure that doesn't happen.","start_word":6281,"end_word":6301,"sentiment":"negative","sentiment_score":-0.3831854462623596},{"text":"But Yep. with your income protection, like I said, I spoke to all the insurers out there. And because of your occupation at the moment, they are all saying that you won't be able to get another policy because they think it's too risky on occupation. So that kind of limits what we can do with income protection. So at the moment, we won't Well, be I able I to actually take up a had new a one. broker for years, and the fella that used to do Yeah. me broker, Yeah. I got on to the fella that took over from him, and I said, oh, I Yeah. want one. It's just Yeah. for Yeah. an illness. And Yep. I know the money I earn, and half of Yeah. them are never gonna cover that, what I earn anyway. Yeah. And I said, all I want is something like if I fall over in the street or an illness. Yeah. Yeah. I said sort of capability of what I do for my job. Yep. I said all I wanted is something like that. I said, I Yeah. know you can't get a cover that's gonna cover me for, you know, the Yeah.","start_word":6302,"end_word":6504,"sentiment":"neutral","sentiment_score":-0.11178532987833024},{"text":"the repayments would be ridiculous.","start_word":6505,"end_word":6509,"sentiment":"negative","sentiment_score":-0.38595351576805115},{"text":"Yes. Yeah.","start_word":6510,"end_word":6511,"sentiment":"neutral","sentiment_score":0.1016254723072052},{"text":"So the good thing is that I have found a policy for total permanent disability, which is good.","start_word":6512,"end_word":6529,"sentiment":"positive","sentiment_score":0.5307127833366394},{"text":"But with income protection, first, I there is no one that is, at the moment, willing to offer cover based on your occupation. So I can't get Alright.","start_word":6530,"end_word":6557,"sentiment":"neutral","sentiment_score":-0.30313509702682495},{"text":"you a new policy, but what I have been able to do for you anyway is, like you said, it's quite expensive at the moment.","start_word":6558,"end_word":6582,"sentiment":"negative","sentiment_score":-0.4178884327411651},{"text":"So I have spoken to Astrum, and I have got a quote to change the benefit period. So instead of it being to age 65, reduce it to five years. And it's still the same waiting period. We can't change that. But by changing the benefit period, you can see that the monthly premium, you know, almost half.","start_word":6583,"end_word":6640,"sentiment":"neutral","sentiment_score":0.02610805816948414},{"text":"So it does Yep. make it a lot cheaper.","start_word":6641,"end_word":6649,"sentiment":"positive","sentiment_score":0.515047013759613},{"text":"Now, ultimately, it is up to you if you do wanna keep it or not.","start_word":6650,"end_word":6664,"sentiment":"neutral","sentiment_score":0.052805375307798386},{"text":"But just be mindful that if you do wanna cancel it at the moment, there's no other insurance that is willing to offer cover for income protection.","start_word":6665,"end_word":6691,"sentiment":"negative","sentiment_score":-0.34599098563194275},{"text":"So that would mean that you Well, you that's won't have a that's a full disability one too.","start_word":6692,"end_word":6709,"sentiment":"neutral","sentiment_score":-0.28130707144737244},{"text":"That's not you've gotta be incapacitated to go it.","start_word":6710,"end_word":6718,"sentiment":"negative","sentiment_score":-0.3813099265098572},{"text":"to work. Yeah. So this is income protection is if you are temporarily unable to work. Yeah. Yeah. That's the second one. That's Because this that one. first session when I pay now, Yes. it's it's a disability one. That's what they told me. So So I was yes. unable to work through to that age. Yes. So it's it's a little bit so it's it's an income protection. So it is temporary disability. That is if you are temporarily unable to work. So Right. that is true. At the moment, it is up to age 65 if you can't work, but it is, like you said, costing you a bit. Now because you do have a two year waiting period as well, basically, by reducing it to five years, really, there's only a year difference. Because if you have a five year benefit period, but you have to wait two years until that kicks in, that gives you seven years, and it's almost eight years until '65. So Yep. if something were to happen tomorrow, the other the one that you currently have, you'd only be basically be utilizing for up to eight years, Yep. but, obviously, costing a lot more. Does that make sense? Yeah. Yeah. Yeah. Yeah. Because Yeah. I'm just I was just a bit over that.","start_word":6719,"end_word":6939,"sentiment":"neutral","sentiment_score":-0.09597704530908512},{"text":"Obviously, I'm thinking I'm just a waste Yeah.","start_word":6940,"end_word":6947,"sentiment":"negative","sentiment_score":-0.3747745156288147},{"text":"of Yeah. money. Yeah. And, ultimately, if you feel like that, if you tell me, do you know what?","start_word":6948,"end_word":6966,"sentiment":"neutral","sentiment_score":-0.25197792053222656},{"text":"I don't wanna keep it. I wanna cancel it.","start_word":6967,"end_word":6975,"sentiment":"negative","sentiment_score":-0.4891822934150696},{"text":"That's fine. It is ultimately up to you.","start_word":6976,"end_word":6983,"sentiment":"neutral","sentiment_score":0.015431183390319347},{"text":"I just obviously want you to be aware that if we cancel it, at the moment, we can't get you another income protection.","start_word":6984,"end_word":7006,"sentiment":"negative","sentiment_score":-0.3700967729091644},{"text":"So that would mean that","start_word":7007,"end_word":7011,"sentiment":"neutral","sentiment_score":-0.22511067986488345}],"average":{"sentiment":"neutral","sentiment_score":0.0783608604760391}}}}