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Just before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay? Fantastic. And, Amy, I'll just ask if you can please confirm your full name, date of birth, and address. Beautiful. Thank you for that. The reason I'm phoning today is to run through the advice preparation following our recent review. Do you still have time to go through that now? Okay. Okay. Feel free to interrupt me anytime that you need to if you need to. Okay. I have sent you an email. If you have access to your emails. To your emails. Do you? Yeah? Yeah. Absolutely fine. Thank you. K. A similar process to the no. You're fine. The the review document is if you open it up and click sign, it should bring up some documents for us to go through, and we can work our way through that. It's always the way, isn't it? Okay. So is the document the first thing you're looking at, statement of advice, the first document? Great. Beautiful. So what what we'll do is we'll start we're gonna go through the document just to explain the recommendations that I've researched and that we're making. So the cover page is it obviously is a statement of advice prepared for yourself based on your own personal and financial situation, and that it was prepared on the September 14 yesterday. The next page is the best interest duty. So it lists out the steps as an adviser that we must adhere to in order to satisfy the best industry standard for our clients. So that's identifying your financial situations, your needs, conducting research, identifying specific advice elements that the client being yourself may need. Consider if any advice that we give is reasonable from a financial product and from a client's personal perspective, and take any actionable steps that would be reasonably that would be regarded in your best interest. That's how we operate. The next one is a table of contents, and the following page is our scope of advice. So this is where we discuss or we outline what your goals were. Superannuation, you wanna keep track of your super a lot more and not just wing it, and you wanna be in the best options available to you. So in line with that, we've made a recommendation to review some of the investments within your Hub twenty four account that we talked about previous in your review. So we'll cover off on that. And insurance wise, you were happy with your current levels of life, TPD, and IP. You were interested in in exploring trauma insurance as you had a friend recently diagnosed with leukemia. So we have made a recommendation for trauma within this document, which we'll go through. Estate planning, you'd like to make sure that Tyrone is nominated appropriate appropriately across your policies in Superfund. So we'll make sure that that is addressed accordingly. And then we did talk about looking into establishing a little nest egg for Mila aiming for access of around 25 years of age with with potentially access of around 25 years of age with with potentially putting $50 a fortnight in. And we also did talk about potentially putting $50 a fortnight into your super fund as a salary sacrifice. So they're the things we're gonna look at in this document. We're gonna walk through them, talk about them, and then at at the end I mean, anywhere throughout the conversation, interrupt me if you've got any questions at all. And and at the end, we can decide you can advise what you wish to proceed with. Okay. So the limited advice warning on the next page, it simply states that if if I don't have any full information provided that the information may not be appropriate. Also warning that I'm not a legal practitioner, so drafting of wills and powers of attorney need to be done so by a solicitor. I can't provide general insurance products advice, the house, car, etcetera. And I can I can provide relevant tax financial planning tax information, but but I'm not an actual registered tax agent, so from an income perspective? The about you section is based on the information that we completed in our annual review. So if any of that has changed, we would look at updating that. The wording at the bottom, when we spoke, you're uncertain about your surplus cash flow. So what I have done in my research is I've worked out that a pro you you net approximately $8.50 per week. $8.50 per week. This is just based on basic tax structure, so please let me know if it's incorrect at all. Subtracting your weekly expenses of $5.50, we've we've said that you've got about 300 a week, and those are pretty fixed figures. Obviously, each week is variable, which we all understand. But the reason why we calculated that is to ensure that any recommendation we make is affordable and in your best interest. So if any of that is incorrect at any time, please let me know. It could change the outcome. The lifestyle assets and liabilities and your current superannuation and your current risk portfolio protection, that just outline outlines your personal and financial information that we discussed in your review. So those details and your risk the following page is your risk profile. So that's being high growth. During our review, you agreed that you would be comfortable to continue with a high growth allocation, which, again, just touching on it means that you are happy to have about 90% of your assets invested in growth assets and a 10% in a defensive portfolio or sector. Is that still are you still comfortable with that? Fantastic. Okay. The next this is where the actual in the advice starts. So the first the first lot of advice, strategy recommendations is that you retain your hub, and we're gonna make some switches to the underlying investments. Though those underlying investments, as we discussed in our review, is the Benelong Australian Equities Fund, and that was due to underperformance. We're recommending that it be replaced with the BetaShares Australian two hundred ETF. It is lower cost. It has it will increase the diversification across the portfolio. So it it it it is designed to maintain consistency in your portfolio along with what Benelon was designed to do and reach a long term objective, it's just a bit more cost efficient because it is an ETF instead of a managed fund. So it's gonna it's what it will do is provide an estimated cost saving saving of approximately 305 per annum in your investment fees, which is nice. There's, yeah, there's some there's some great advantages of doing this. I'm gonna highlight the significant ones, and then I'm going to focus more on the disadvantages to make sure that a client is fully aware and can make an informed decision. So one of the the benefits of it is that by making this switch, there is actually gonna be no capital gains tax within within the portfolio. So because Benelon was operating at a loss, there's no capital gains within the superannuation fund that would be applicable. We're gonna rebalance your portfolio, which all that means is we may sell down some small add a small holding of assets to top up other assets to make sure that your your allocation to, let's say, Australian net shares, international shares, fixed interest cash, etcetera, are in line with your risk high growth risk profile. The negatives or disadvantages, if we put it that way, is, obviously, there is no guarantee that the recommended portfolio will always outperform. So that you know, we can't rely on past performance. It's not indicative of future performance. The rebalancing will incur some brokerage. No. You're you're absolutely fine. Are you okay? Oh, okay. I was I was hoping you didn't hurt yourself last time. No. I'm glad. Okay. Beautiful. With doing these investment changes, you will incur what they call brokerage, so trading costs. They're they're what is that word I'm thinking of? They're aggregated together, so the costs are quite minimal compared to an actual trade itself. So there are some costs in that. I believe they're quite minimal, but, yeah, it is a dis event it is something that you need to be aware of when we're rebalancing your portfolio. We did consider some alternatives. So we did consider another platform. For example, outside of my hub, we didn't proceed with that as an option because there was there were gonna be some significant capital gains tax that would have been payable from the super fund. And we did look at other investment options or portfolios. Let's refer to them as, but they were discounted also because of the capital gains, and they had lower historical performance over the last one to three, five years. So that's the first lot. Any questions? Okay. Beautiful. On page 16, it's a important part. This is the fee comparison. So it's a recommended. And the main difference you're gonna find, it was they should be all very similar except for the investment fee line. You'll see that the the recommended is quite lower. And you'll see the net contributions column is a little bit bigger because we have recommended a salary sacrifice if you shall proceed with it. So underneath that, your projected balance, we only do very basic projections. By changing your portfolio at the bottom of page 16, it will show your current balance, your recommended I mean, sorry, your current allocation, your recommended allocation, and the difference. So by making the the changes, that's what we recommend the difference in the balance will be. Over on page 18, this is just a breakdown of what we will do with your portfolio. So you'll see along the top line, you'll see that along Australian Equities has a negative 26,000 figure in red. Everything in red with a negative is what we're selling down, and and then anything in black is what we're topping up. So that's to rebalance. So Europe, for example, if we look at the iShares Europe, you'll see what your current balance is at $5,065. We we want that allocated around 5%. So we're gonna we're we're gonna sell down approximately $536 of that asset to reduce it and invest elsewhere along your portfolio. So that's a rebalance what we're doing there. You'll see that it's it's probably more applicable to the iShares S and P five hundred and the iShares Asia. We're a little bit over, and we wanna bring that back down. Any any questions about that? Okay. Okay. The next section is the proposed asset allocation table. So this shows you as a high growth investor, that first column will indicate what we would typically see your funds invested across. So you've got your Australian at 35%, international equities at 55%, cash at one, fixed interest at nine. Your portfolio, the next column shows your existing allocation, and then the next column over is the proposed. So you'll see that we increase a bit to your Australian equities. We decrease a bit to your international equities. We decrease the cash a little bit, and we increase the fixed interest a little bit. So that's just to bring it back to not necessarily in line with the growth and defensive as a group. It's bringing your your underlying sectors for the Australian equities back in line. So your Australian equities had dropped about 5%. So we wanted to bring that back up to closer to the 35% mark. Does that make sense? Okay. Fantastic. The visuals help just in because there's so much that goes there's so much words in these documents. The visuals help to explain what the actual purpose is and why why it's necessary. The next section is make a sacrifice contribution. Now we talked about this, and it just came up in our review in relation to your insurance premiums being funded through super and how that can have an impact on your retirement balance at the when you go to retire. You said that you prob you wouldn't miss about $50 a fortnight. So what I've done is I've had a look, and I've made an invest I've made a recommendation that you do set up a $50 per fortnight salary sacrifice arrangement with your employer. The benefits are it's you're you're you're contributing it pretax. So the money that goes in there is taxed at a rate of 15% of super instead of coming to you, and then you're doing it being taxed at you personally, and then you're making a contribution to super. So it's pretax money. So that's one of the benefits of it. The other benefit is also that additionally into that, it's gonna reduce your taxable income each each year and by by a smidge at the moment, but we can review that over time. But, also, it's gonna help to offset some of those insurance premiums and help you work towards that retirement goal. So on page 22, it does give you a table, a visual again, to help break that down. So it's got your current position versus proposed. The current is with no salary sacrifice, and proposed is with salary sacrifice. You'll see at the bottom, the net income variance over the whole year is 864. So that's you're not gonna see $864 in your pay packet each year. So even yes. Yeah. It I know I know what you mean. Like, when we break it down, I understand because I do it myself personally. So, yes, so that's what it would be to you receiving your income. So if we broke that down over let's have a quick look because I'm a figures person. I like it. So, essentially, what that means is $33 less in your pay packet a week. So even though you're doing $50, that's with pretax money. So after tax and when you get your pay, it'll be $33 less. That's what you'll see in your in your pay packet. So the benefits are that you're gonna grow your super in a tax effective way. So you're growing your super. You're probably reducing you're reducing your taxable income, which is a bonus, less tax payable. Yeah. So the the disadvantages is is that you that money that you are putting into superannuation, the $50 a fortnight, you can't access until you reach preservation age, which is age 60. So it is gonna get locked away. You will have a a reduced net income, which we've just talked about of how much that would be per fortnight. And, yeah, superannuation contributions are taxed at 15%. So it's taxed in the same way that they're taxed when your employer's putting them in. Any questions about that? No? Then on the page 24, we've got a recommendation for you to apply for trauma insurance through MetLife. I have a I've added a little benefit on there, being child benefit. So, basically, what it means is as per our review, we did talk about trauma and the benefits of it. I've recommended a some insured of 237,000, and what that is intended to do is provide a lump sum benefit to help you support your financial kit commitments and greater flexibility. So there is some allowance in there to cover some of that debt that you had, the smaller fixed debt, but also help with out of pocket medical expenses and give you that financial flexibility to recover and Tyrone to be there for you and help with Mila as needed. The reason why I've added child cover in there is because from a cash flow perspective and cost, it's minimal, I I think, but let me get it the actual exact figure for you. I believe from memory, it's about $6 a month included in that $69 per month that the premium would cost you. And it's a it covers up to 10% of your trauma cover. So 23,700 if Mila is diagnosed with a specified serious illness, which is gonna just allow you to have some financial flexibility to focus on Mila should something have happened yesterday. I use yesterday as example to focus on her recovery as opposed to worrying about financial concerns and stress. Mhmm. $69.39 per month. Yeah. So I think I've gone through the advantages for you. The disadvantages are it is funded that does need to be funded out of your personal cash flow. You do need to go through underwriting. So you would have been through that previously with your other cover with your other covers, but we'll obviously walk you through that should you decide to proceed. And with with trauma insurance on some of the conditions, there is what they call kind of like private health, an exclusion or a waiting period. So it won't cover anything preexisting, but, for example, skin cancers might be excluded for three months, for example. So we go through that in a little bit. So that's the that's trauma insurance. Any questions there? No? Okay. And then the final or not the final, but one of the other recommendations was to build a financial nest egg for Mila. Now what I looked at in this is a generation life child investment bond. An investment bond is, I felt, the best investment vehicle given the long term investment objective given that Mila wouldn't you wouldn't want her accessing it till she's 25. So what we have what I've done is I've recommended a lump sum minimum investment of a thousand dollars. That's the minimum to open the account and then start a regular contribution of $50 per fortnight over the course of the time until Mila is 25 years of age. So the benefit of that is and why we want an investment bond over an investment, you know, a portfolio, for example, similar to what you've got with hub twenty four for your super, is that there's a few reasons. The investment bond is taxed internally at a rate of 30%, so it won't be applicable it won't be applicable to your taxable income. So if it was held in a investment portfolio, you'd need to look include it in your tax each year. This is this is taxed internally, so it does not need to be included. After ten years, as long as we continue to meet all the relevant requirements, so that's no withdrawals for ten years, etcetera, the the funds can be withdrawn tax free. So, essentially, they're considered tax paid. So given that the long the longevity of it, like, there'd be no capital gains tax, etcetera, that's why I opted to recommend an investment bond over an actual investment portfolio. You can still act yeah. You can still access it. There's no limitations. Anytime within the ten years would reset the ten year period. Does that make sense? Yeah. Okay. Fantastic. Beautiful. So the advantages are owner of it, if, you know, that changes or or, you know, at a certain age, you wanna change that for her. It is maxed out at 25. I believe I'd need to double check that. But we you have full ownership control, and you can change the until she reaches age 25. And your contributions are limited to a 125% of the previous year. So for example, if you made $1,010,000 dollars one year, and I'm only using this as example because it's easy for my afternoon math brain, You'd be limit thank you. It it means that you'd be limited to make an annual contribution of 12,500 the following year. So you can't make more than so you are limited. So if that's why if you do a regular contribution, it works well because you're not gonna exceed that 125%. If you do, then the ten year period starts again. So those are the little rules that we talk about in relation to not resetting them. It enables a long term investment for Mila. The the warnings are always in investing is, you know, it's it's subject to market risk, so volatility, which we've discussed, interest rate risk, so, you know, how interest rates are sorry. Lost my train of thought. US or Australian, for example, when they do their interest rate changes and it can impact the market, you know, it can impact the portfolio, investment manager risk, and so on. So there's there's risks throughout the portfolio, but as long as you're aware of those, it goes into a bit more detail. We did consider investing in a bank account. The rate of return is not great. So that was discounted. Yeah. Yeah. Yep. I have these for my children, so I'm not I'm not saying for example, I'm not I am practicing what I preach, basically. So I believe in them. And as I mentioned, we also considered an IDPS account, which is an investment account similar to your hub 24, but not super, and the reasons why we discounted that. The recommended investments within that child bond on pay outlined on page 34 is the Vanguard conservative portfolio. So that's 10% we would want in defensive assets with your growth assets being generation life tax effective Australian share fund and the Hyperion Global Growth Companies Fund. So that's your international and Australian exposure right there. So the next page is cash flow outcomes on page 35. This will show you if you do proceed with the advice. Again, a visual to make it nice and easy because there is a lot in these documents. We estimated a $300 a week surplus, which, again, if that's incorrect, please advise. But the the total of the recommendations for the cost, so you've got your salary sacrifice, the bond contribution for Mila, and the and then build your your super investment portfolio. It still leaves you with a surplus cash flow of around 12,600. So I we just like to put in those little visuals to make sure that you can make an informed decision. And finally, the last ones are for you to establish a will, which we talked about, and a power of attorney, which we talked about. These sections of the document just outline what we did discuss previously in the review, why they're important, especially with Mila being a minor. And any to make sure that she's if anything was happened to you, both you and Tyrone at the same time, that she's not taken advantage of financially and so on. So they're they're important documents for you and Tyrone to get established. He's got oh, good. Did I I did send you through the the ref did I send you through the brochure? I'm just actually having a quick look if I did do that. Yep. That's okay. Well, I maybe if you want me to, I can help I can do an introduction of some kind. It's up to you. But probably something or maybe speak to Tyrone and see if he can have a similar one established through who helped him, if you like. Yeah. Yeah. Definitely. Yeah. It's important both of you have one in place. Definitely. Okay. Then on page 41 is the ongoing services. So we'll continue to meet with you on your reviews. We'll review your portfolio, your insurances. Sorry. Excuse me. And, obviously, you can speak to us any at any time when when you need to seek advice or if you've got any questions. Important information. The next step is just to make sure you fully understand the advice in this plan. So even though you have the opportunity to sign today, I do encourage you to have a read of it before you do to make sure because sometimes, you know, this is information overload, and sometimes questions will come to you after the fact. And you're calling off right, so you've got a fourteen day calling off period to cancel any insurance policy investment or product super fund if you do proceed. Within this document that has been sent to you are all the PDFs. So that will be the PDF for hub twenty four, the PDF for MetLife, who's the trauma provider, and the PDF for generation life for Life for the investment bond. So they're the product disclosure statements to make sure that you can access the information. And the next the next document oh, sorry. Next document. The next page is this will go over remuneration. So this is fees for us. So you'll see from an implementation perspective, there is zero from the investment bond and the super balance. And the MetLife insurance, we are paid by commission through MetLife for insurance policies. So that's MetLife paying us that $550, not yourself. The next page is the ongoing remuneration. So, again, same as we'd already talked about with your super balance, it's fixed at 1.65%, which shows you the the dollar figure in the right hand column. Yeah. What we do with the investment bonds, we usually charge a $750 fee upfront to establish those. But given that would take up a significant amount of your initial investment, we've waived that, and we're gonna charge 1.1% of the investment balance ongoing instead. So for the first couple of years, it's gonna be around the $25 mark annually. And as the balance increases, that would that fee would obviously increase as well, but we would keep reviewing that and touching in every year to see if there are any changes when that needs to be made. Because at a certain point, that may be changed to a $6 fee or something different. And and then the 22% of the premium, again, is paid by MetLife. So that's in an ongoing basis. So for the advice provided, we'd get two we would receive $2,042 approximately per annum, a combination from your super insurance premium and the investment bonds. Does that make sense? Types of recommendations types of recommendations being made. Again, the remuneration, so it summarizes it again for you. How to implement the advice? So that is you'll see that it says Amy slash Oakview a few times. So it will be we'll we'll be working with you to implement the advice. And then the next section is where you sign should you wish to proceed. Now I think an important part here when you do, what with what you decide, you'll see a box that has an area for you to free type above please sign below. If there's any part of the advice that you want to change or you don't wanna proceed with, you just type it there. So for example, if you wanna go with everything except sacrifice, you'd say, please proceed with all advice, but not sacrifice, for example. So so that's where you give the directions to us as to what you wish to to go ahead with. If you wanna proceed with all of it, you just sign the document. The next one, very, very briefly, is the appendices. So we use you should see appendix to statement of advice. That will cover off your it's just some bay where we put the basic information. So there it'll give you a breakdown of the risk profile of how we you'll see that in a high growth investor again, the breakdown of where you'd say 35% typically in Australian shares, 55 in international shares, which we covered earlier. The on page oh, sorry. The next section, important relationships and information. The important parts here is that the content in the SOA is based on the information you've provided us. So I've taken as many reasonable steps as possible to ensure that it it is the advice provided is in line with your personal financial situation. The SOA itself is valid from sixty days from yesterday. So once we once it passes that sixty days, we do need to start the process again. So we just make everyone aware of that just because financial you know, situations can change, and sixty days just tries to make ensure it remains as current as possible. The products recommended are appropriate to you. You know? However, there's no guarantee on performance or stability as we've touched on and I'm sure you're aware of. But we the purpose of our reviews is to make sure that we stay on top of those things. So that's why those annual reviews are pretty important. The and then it just covers off on a few details like tax. We've, you know, we've made every effort to make sure the taxes considered as much as possible. Projections are based on quite conservative figures, So we don't like to inflate them. So because they're not realistic. Yep. Yep. So and then you've got your investment PDSs. So in this document that you've got attached following is your hub 24 MetLife and investment generation life PDSs. This section of the SAOA will just give you links to the underlying investments that we've made a recommendation to. So they all have their own relevant product disclosure statements. So that's a link to all of those for you. Nearly there. And but the next page is your investment returns. So this is if you were to do in the SOA, it shows you your projected returns over the five and ten years, including a salary sacrifice recommendation. This one here is the alternative just so you've got the information again to make an informed decision if you were to do no salary sacrifice so you can compare those five and ten year benefits and and what it's worth in the long run. Yep. That and the next two pages, it just explain, you know, investment return methodology. So how we how we calculate the returns in a conservative nature. And then the the next page is life insurance through superannuation. So just general information that you've covered off on previously because you've got your life and TPD in life TPD and income protection in your superannuation fund already. Just quickly, any questions? No. I completely understand. I completely understand. So once you have had a chance oh, that's fine. That's all. Absolutely. That's fine. Once you go through it, if you've got any questions, feel free to give me a call, send me an email, whatever method is best for you. And I'll just briefly touch on the other documents within the email you've received. You've got our financial services guide again, which you received recently in our review. You have the hub 24 PDSs enclosed along with the generation life investment options PDF and the MetLife insurance PDF. So they're really helpful to look at for if you wanted to have a look at what the trauma policy will cover you, what definitions, have a look at the MetLife PDF under trauma, and you'll see, for example, some of those conditions or diagnoses, we should say, where you would be covered. Yeah. Sorry for we're talking a lot. I know there's a lot of information. Oh, no. No. Not at all. Not at all. I know that there's a lot of information there to digest. So please, again, if you have any any questions after having a read through it, just reach out, and I will make contact with your preferred method, and we can go through them. Nope. You are absolutely welcome. I hope that that it doesn't put you to sleep whilst reading it. Alright. Fantastic. Did you want me to give you a follow-up in any period of time, or are you you are okay to read and then come back to me? Okay. Beautiful. Okay. Alright. That's that's absolutely fine. Well, thank you so much for your time, Amy. And, hopefully, I can let you go so you can get off the street and go do what you gotta do next. Yeah. You too, Amy. Enjoy. 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Is this Amy? Amy, it's Jenna from Oakview Financial Phoning. How I'm well. I'm well.\n\nThank you. How are you? Beautiful. Just before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay?\n\nFantastic. And, Amy, I'll just ask if you can please confirm your full name, date of birth, and address. Beautiful. Thank you for that. The reason I'm phoning today is to run through the advice preparation following our recent review.\n\nDo you still have time to go through that now? Okay. Okay. Feel free to interrupt me anytime that you need to if you need to. Okay.\n\nI have sent you an email. If you have access to your emails. To your emails. Do you? Yeah?\n\nYeah. Absolutely fine. Thank you. K. A similar process to the no.\n\nYou're fine. The the review document is if you open it up and click sign, it should bring up some documents for us to go through, and we can work our way through that. It's always the way, isn't it? Okay. So is the document the first thing you're looking at, statement of advice, the first document?\n\nGreat. Beautiful. So what what we'll do is we'll start we're gonna go through the document just to explain the recommendations that I've researched and that we're making. So the cover page is it obviously is a statement of advice prepared for yourself based on your own personal and financial situation, and that it was prepared on the September 14 yesterday. The next page is the best interest duty.\n\nSo it lists out the steps as an adviser that we must adhere to in order to satisfy the best industry standard for our clients. So that's identifying your financial situations, your needs, conducting research, identifying specific advice elements that the client being yourself may need. Consider if any advice that we give is reasonable from a financial product and from a client's personal perspective, and take any actionable steps that would be reasonably that would be regarded in your best interest. That's how we operate. The next one is a table of contents, and the following page is our scope of advice.\n\nSo this is where we discuss or we outline what your goals were. Superannuation, you wanna keep track of your super a lot more and not just wing it, and you wanna be in the best options available to you. So in line with that, we've made a recommendation to review some of the investments within your Hub twenty four account that we talked about previous in your review. So we'll cover off on that. And insurance wise, you were happy with your current levels of life, TPD, and IP.\n\nYou were interested in in exploring trauma insurance as you had a friend recently diagnosed with leukemia. So we have made a recommendation for trauma within this document, which we'll go through. Estate planning, you'd like to make sure that Tyrone is nominated appropriate appropriately across your policies in Superfund. So we'll make sure that that is addressed accordingly. And then we did talk about looking into establishing a little nest egg for Mila aiming for access of around 25 years of age with with potentially access of around 25 years of age with with potentially putting $50 a fortnight in.\n\nAnd we also did talk about potentially putting $50 a fortnight into your super fund as a salary sacrifice. So they're the things we're gonna look at in this document. We're gonna walk through them, talk about them, and then at at the end I mean, anywhere throughout the conversation, interrupt me if you've got any questions at all. And and at the end, we can decide you can advise what you wish to proceed with. Okay.\n\nSo the limited advice warning on the next page, it simply states that if if I don't have any full information provided that the information may not be appropriate. Also warning that I'm not a legal practitioner, so drafting of wills and powers of attorney need to be done so by a solicitor. I can't provide general insurance products advice, the house, car, etcetera. And I can I can provide relevant tax financial planning tax information, but but I'm not an actual registered tax agent, so from an income perspective? The about you section is based on the information that we completed in our annual review.\n\nSo if any of that has changed, we would look at updating that. The wording at the bottom, when we spoke, you're uncertain about your surplus cash flow. So what I have done in my research is I've worked out that a pro you you net approximately $8.50 per week. $8.50 per week. This is just based on basic tax structure, so please let me know if it's incorrect at all.\n\nSubtracting your weekly expenses of $5.50, we've we've said that you've got about 300 a week, and those are pretty fixed figures. Obviously, each week is variable, which we all understand. But the reason why we calculated that is to ensure that any recommendation we make is affordable and in your best interest. So if any of that is incorrect at any time, please let me know. It could change the outcome.\n\nThe lifestyle assets and liabilities and your current superannuation and your current risk portfolio protection, that just outline outlines your personal and financial information that we discussed in your review. So those details and your risk the following page is your risk profile. So that's being high growth. During our review, you agreed that you would be comfortable to continue with a high growth allocation, which, again, just touching on it means that you are happy to have about 90% of your assets invested in growth assets and a 10% in a defensive portfolio or sector. Is that still are you still comfortable with that?\n\nFantastic. Okay. The next this is where the actual in the advice starts. So the first the first lot of advice, strategy recommendations is that you retain your hub, and we're gonna make some switches to the underlying investments. Though those underlying investments, as we discussed in our review, is the Benelong Australian Equities Fund, and that was due to underperformance.\n\nWe're recommending that it be replaced with the BetaShares Australian two hundred ETF. It is lower cost. It has it will increase the diversification across the portfolio. So it it it it is designed to maintain consistency in your portfolio along with what Benelon was designed to do and reach a long term objective, it's just a bit more cost efficient because it is an ETF instead of a managed fund. So it's gonna it's what it will do is provide an estimated cost saving saving of approximately 305 per annum in your investment fees, which is nice.\n\nThere's, yeah, there's some there's some great advantages of doing this. I'm gonna highlight the significant ones, and then I'm going to focus more on the disadvantages to make sure that a client is fully aware and can make an informed decision. So one of the the benefits of it is that by making this switch, there is actually gonna be no capital gains tax within within the portfolio. So because Benelon was operating at a loss, there's no capital gains within the superannuation fund that would be applicable. We're gonna rebalance your portfolio, which all that means is we may sell down some small add a small holding of assets to top up other assets to make sure that your your allocation to, let's say, Australian net shares, international shares, fixed interest cash, etcetera, are in line with your risk high growth risk profile.\n\nThe negatives or disadvantages, if we put it that way, is, obviously, there is no guarantee that the recommended portfolio will always outperform. So that you know, we can't rely on past performance. It's not indicative of future performance. The rebalancing will incur some brokerage. No.\n\nYou're you're absolutely fine. Are you okay? Oh, okay. I was I was hoping you didn't hurt yourself last time. No.\n\nI'm glad. Okay. Beautiful. With doing these investment changes, you will incur what they call brokerage, so trading costs. They're they're what is that word I'm thinking of?\n\nThey're aggregated together, so the costs are quite minimal compared to an actual trade itself. So there are some costs in that. I believe they're quite minimal, but, yeah, it is a dis event it is something that you need to be aware of when we're rebalancing your portfolio. We did consider some alternatives. So we did consider another platform.\n\nFor example, outside of my hub, we didn't proceed with that as an option because there was there were gonna be some significant capital gains tax that would have been payable from the super fund. And we did look at other investment options or portfolios. Let's refer to them as, but they were discounted also because of the capital gains, and they had lower historical performance over the last one to three, five years. So that's the first lot. Any questions?\n\nOkay. Beautiful. On page 16, it's a important part. This is the fee comparison. So it's a recommended.\n\nAnd the main difference you're gonna find, it was they should be all very similar except for the investment fee line. You'll see that the the recommended is quite lower. And you'll see the net contributions column is a little bit bigger because we have recommended a salary sacrifice if you shall proceed with it. So underneath that, your projected balance, we only do very basic projections. By changing your portfolio at the bottom of page 16, it will show your current balance, your recommended I mean, sorry, your current allocation, your recommended allocation, and the difference.\n\nSo by making the the changes, that's what we recommend the difference in the balance will be. Over on page 18, this is just a breakdown of what we will do with your portfolio. So you'll see along the top line, you'll see that along Australian Equities has a negative 26,000 figure in red. Everything in red with a negative is what we're selling down, and and then anything in black is what we're topping up. So that's to rebalance.\n\nSo Europe, for example, if we look at the iShares Europe, you'll see what your current balance is at $5,065. We we want that allocated around 5%. So we're gonna we're we're gonna sell down approximately $536 of that asset to reduce it and invest elsewhere along your portfolio. So that's a rebalance what we're doing there. You'll see that it's it's probably more applicable to the iShares S and P five hundred and the iShares Asia.\n\nWe're a little bit over, and we wanna bring that back down. Any any questions about that? Okay. Okay. The next section is the proposed asset allocation table.\n\nSo this shows you as a high growth investor, that first column will indicate what we would typically see your funds invested across. So you've got your Australian at 35%, international equities at 55%, cash at one, fixed interest at nine. Your portfolio, the next column shows your existing allocation, and then the next column over is the proposed. So you'll see that we increase a bit to your Australian equities. We decrease a bit to your international equities.\n\nWe decrease the cash a little bit, and we increase the fixed interest a little bit. So that's just to bring it back to not necessarily in line with the growth and defensive as a group. It's bringing your your underlying sectors for the Australian equities back in line. So your Australian equities had dropped about 5%. So we wanted to bring that back up to closer to the 35% mark.\n\nDoes that make sense? Okay. Fantastic. The visuals help just in because there's so much that goes there's so much words in these documents. The visuals help to explain what the actual purpose is and why why it's necessary.\n\nThe next section is make a sacrifice contribution. Now we talked about this, and it just came up in our review in relation to your insurance premiums being funded through super and how that can have an impact on your retirement balance at the when you go to retire. You said that you prob you wouldn't miss about $50 a fortnight. So what I've done is I've had a look, and I've made an invest I've made a recommendation that you do set up a $50 per fortnight salary sacrifice arrangement with your employer. The benefits are it's you're you're you're contributing it pretax.\n\nSo the money that goes in there is taxed at a rate of 15% of super instead of coming to you, and then you're doing it being taxed at you personally, and then you're making a contribution to super. So it's pretax money. So that's one of the benefits of it. The other benefit is also that additionally into that, it's gonna reduce your taxable income each each year and by by a smidge at the moment, but we can review that over time. But, also, it's gonna help to offset some of those insurance premiums and help you work towards that retirement goal.\n\nSo on page 22, it does give you a table, a visual again, to help break that down. So it's got your current position versus proposed. The current is with no salary sacrifice, and proposed is with salary sacrifice. You'll see at the bottom, the net income variance over the whole year is 864. So that's you're not gonna see $864 in your pay packet each year.\n\nSo even yes. Yeah. It I know I know what you mean. Like, when we break it down, I understand because I do it myself personally. So, yes, so that's what it would be to you receiving your income.\n\nSo if we broke that down over let's have a quick look because I'm a figures person. I like it. So, essentially, what that means is $33 less in your pay packet a week. So even though you're doing $50, that's with pretax money. So after tax and when you get your pay, it'll be $33 less.\n\nThat's what you'll see in your in your pay packet. So the benefits are that you're gonna grow your super in a tax effective way. So you're growing your super. You're probably reducing you're reducing your taxable income, which is a bonus, less tax payable. Yeah.\n\nSo the the disadvantages is is that you that money that you are putting into superannuation, the $50 a fortnight, you can't access until you reach preservation age, which is age 60. So it is gonna get locked away. You will have a a reduced net income, which we've just talked about of how much that would be per fortnight. And, yeah, superannuation contributions are taxed at 15%. So it's taxed in the same way that they're taxed when your employer's putting them in.\n\nAny questions about that? No? Then on the page 24, we've got a recommendation for you to apply for trauma insurance through MetLife. I have a I've added a little benefit on there, being child benefit. So, basically, what it means is as per our review, we did talk about trauma and the benefits of it.\n\nI've recommended a some insured of 237,000, and what that is intended to do is provide a lump sum benefit to help you support your financial kit commitments and greater flexibility. So there is some allowance in there to cover some of that debt that you had, the smaller fixed debt, but also help with out of pocket medical expenses and give you that financial flexibility to recover and Tyrone to be there for you and help with Mila as needed. The reason why I've added child cover in there is because from a cash flow perspective and cost, it's minimal, I I think, but let me get it the actual exact figure for you. I believe from memory, it's about $6 a month included in that $69 per month that the premium would cost you. And it's a it covers up to 10% of your trauma cover.\n\nSo 23,700 if Mila is diagnosed with a specified serious illness, which is gonna just allow you to have some financial flexibility to focus on Mila should something have happened yesterday. I use yesterday as example to focus on her recovery as opposed to worrying about financial concerns and stress. Mhmm. $69.39 per month. Yeah.\n\nSo I think I've gone through the advantages for you. The disadvantages are it is funded that does need to be funded out of your personal cash flow. You do need to go through underwriting. So you would have been through that previously with your other cover with your other covers, but we'll obviously walk you through that should you decide to proceed. And with with trauma insurance on some of the conditions, there is what they call kind of like private health, an exclusion or a waiting period.\n\nSo it won't cover anything preexisting, but, for example, skin cancers might be excluded for three months, for example. So we go through that in a little bit. So that's the that's trauma insurance. Any questions there? No?\n\nOkay. And then the final or not the final, but one of the other recommendations was to build a financial nest egg for Mila. Now what I looked at in this is a generation life child investment bond. An investment bond is, I felt, the best investment vehicle given the long term investment objective given that Mila wouldn't you wouldn't want her accessing it till she's 25. So what we have what I've done is I've recommended a lump sum minimum investment of a thousand dollars.\n\nThat's the minimum to open the account and then start a regular contribution of $50 per fortnight over the course of the time until Mila is 25 years of age. So the benefit of that is and why we want an investment bond over an investment, you know, a portfolio, for example, similar to what you've got with hub twenty four for your super, is that there's a few reasons. The investment bond is taxed internally at a rate of 30%, so it won't be applicable it won't be applicable to your taxable income. So if it was held in a investment portfolio, you'd need to look include it in your tax each year. This is this is taxed internally, so it does not need to be included.\n\nAfter ten years, as long as we continue to meet all the relevant requirements, so that's no withdrawals for ten years, etcetera, the the funds can be withdrawn tax free. So, essentially, they're considered tax paid. So given that the long the longevity of it, like, there'd be no capital gains tax, etcetera, that's why I opted to recommend an investment bond over an actual investment portfolio. You can still act yeah. You can still access it.\n\nThere's no limitations. Anytime within the ten years would reset the ten year period. Does that make sense? Yeah. Okay.\n\nFantastic. Beautiful. So the advantages are owner of it, if, you know, that changes or or, you know, at a certain age, you wanna change that for her. It is maxed out at 25. I believe I'd need to double check that.\n\nBut we you have full ownership control, and you can change the until she reaches age 25. And your contributions are limited to a 125% of the previous year. So for example, if you made $1,010,000 dollars one year, and I'm only using this as example because it's easy for my afternoon math brain, You'd be limit thank you. It it means that you'd be limited to make an annual contribution of 12,500 the following year. So you can't make more than so you are limited.\n\nSo if that's why if you do a regular contribution, it works well because you're not gonna exceed that 125%. If you do, then the ten year period starts again. So those are the little rules that we talk about in relation to not resetting them. It enables a long term investment for Mila. The the warnings are always in investing is, you know, it's it's subject to market risk, so volatility, which we've discussed, interest rate risk, so, you know, how interest rates are sorry.\n\nLost my train of thought. US or Australian, for example, when they do their interest rate changes and it can impact the market, you know, it can impact the portfolio, investment manager risk, and so on. So there's there's risks throughout the portfolio, but as long as you're aware of those, it goes into a bit more detail. We did consider investing in a bank account. The rate of return is not great.\n\nSo that was discounted. Yeah. Yeah. Yep. I have these for my children, so I'm not I'm not saying for example, I'm not I am practicing what I preach, basically.\n\nSo I believe in them. And as I mentioned, we also considered an IDPS account, which is an investment account similar to your hub 24, but not super, and the reasons why we discounted that. The recommended investments within that child bond on pay outlined on page 34 is the Vanguard conservative portfolio. So that's 10% we would want in defensive assets with your growth assets being generation life tax effective Australian share fund and the Hyperion Global Growth Companies Fund. So that's your international and Australian exposure right there.\n\nSo the next page is cash flow outcomes on page 35. This will show you if you do proceed with the advice. Again, a visual to make it nice and easy because there is a lot in these documents. We estimated a $300 a week surplus, which, again, if that's incorrect, please advise. But the the total of the recommendations for the cost, so you've got your salary sacrifice, the bond contribution for Mila, and the and then build your your super investment portfolio.\n\nIt still leaves you with a surplus cash flow of around 12,600. So I we just like to put in those little visuals to make sure that you can make an informed decision. And finally, the last ones are for you to establish a will, which we talked about, and a power of attorney, which we talked about. These sections of the document just outline what we did discuss previously in the review, why they're important, especially with Mila being a minor. And any to make sure that she's if anything was happened to you, both you and Tyrone at the same time, that she's not taken advantage of financially and so on.\n\nSo they're they're important documents for you and Tyrone to get established. He's got oh, good. Did I I did send you through the the ref did I send you through the brochure? I'm just actually having a quick look if I did do that. Yep.\n\nThat's okay. Well, I maybe if you want me to, I can help I can do an introduction of some kind. It's up to you. But probably something or maybe speak to Tyrone and see if he can have a similar one established through who helped him, if you like. Yeah.\n\nYeah. Definitely. Yeah. It's important both of you have one in place. Definitely.\n\nOkay. Then on page 41 is the ongoing services. So we'll continue to meet with you on your reviews. We'll review your portfolio, your insurances. Sorry.\n\nExcuse me. And, obviously, you can speak to us any at any time when when you need to seek advice or if you've got any questions. Important information. The next step is just to make sure you fully understand the advice in this plan. So even though you have the opportunity to sign today, I do encourage you to have a read of it before you do to make sure because sometimes, you know, this is information overload, and sometimes questions will come to you after the fact.\n\nAnd you're calling off right, so you've got a fourteen day calling off period to cancel any insurance policy investment or product super fund if you do proceed. Within this document that has been sent to you are all the PDFs. So that will be the PDF for hub twenty four, the PDF for MetLife, who's the trauma provider, and the PDF for generation life for Life for the investment bond. So they're the product disclosure statements to make sure that you can access the information. And the next the next document oh, sorry.\n\nNext document. The next page is this will go over remuneration. So this is fees for us. So you'll see from an implementation perspective, there is zero from the investment bond and the super balance. And the MetLife insurance, we are paid by commission through MetLife for insurance policies.\n\nSo that's MetLife paying us that $550, not yourself. The next page is the ongoing remuneration. So, again, same as we'd already talked about with your super balance, it's fixed at 1.65%, which shows you the the dollar figure in the right hand column. Yeah. What we do with the investment bonds, we usually charge a $750 fee upfront to establish those.\n\nBut given that would take up a significant amount of your initial investment, we've waived that, and we're gonna charge 1.1% of the investment balance ongoing instead. So for the first couple of years, it's gonna be around the $25 mark annually. And as the balance increases, that would that fee would obviously increase as well, but we would keep reviewing that and touching in every year to see if there are any changes when that needs to be made. Because at a certain point, that may be changed to a $6 fee or something different. And and then the 22% of the premium, again, is paid by MetLife.\n\nSo that's in an ongoing basis. So for the advice provided, we'd get two we would receive $2,042 approximately per annum, a combination from your super insurance premium and the investment bonds. Does that make sense? Types of recommendations types of recommendations being made. Again, the remuneration, so it summarizes it again for you.\n\nHow to implement the advice? So that is you'll see that it says Amy slash Oakview a few times. So it will be we'll we'll be working with you to implement the advice. And then the next section is where you sign should you wish to proceed. Now I think an important part here when you do, what with what you decide, you'll see a box that has an area for you to free type above please sign below.\n\nIf there's any part of the advice that you want to change or you don't wanna proceed with, you just type it there. So for example, if you wanna go with everything except sacrifice, you'd say, please proceed with all advice, but not sacrifice, for example. So so that's where you give the directions to us as to what you wish to to go ahead with. If you wanna proceed with all of it, you just sign the document. The next one, very, very briefly, is the appendices.\n\nSo we use you should see appendix to statement of advice. That will cover off your it's just some bay where we put the basic information. So there it'll give you a breakdown of the risk profile of how we you'll see that in a high growth investor again, the breakdown of where you'd say 35% typically in Australian shares, 55 in international shares, which we covered earlier. The on page oh, sorry. The next section, important relationships and information.\n\nThe important parts here is that the content in the SOA is based on the information you've provided us. So I've taken as many reasonable steps as possible to ensure that it it is the advice provided is in line with your personal financial situation. The SOA itself is valid from sixty days from yesterday. So once we once it passes that sixty days, we do need to start the process again. So we just make everyone aware of that just because financial you know, situations can change, and sixty days just tries to make ensure it remains as current as possible.\n\nThe products recommended are appropriate to you. You know? However, there's no guarantee on performance or stability as we've touched on and I'm sure you're aware of. But we the purpose of our reviews is to make sure that we stay on top of those things. So that's why those annual reviews are pretty important.\n\nThe and then it just covers off on a few details like tax. We've, you know, we've made every effort to make sure the taxes considered as much as possible. Projections are based on quite conservative figures, So we don't like to inflate them. So because they're not realistic. Yep.\n\nYep. So and then you've got your investment PDSs. So in this document that you've got attached following is your hub 24 MetLife and investment generation life PDSs. This section of the SAOA will just give you links to the underlying investments that we've made a recommendation to. So they all have their own relevant product disclosure statements.\n\nSo that's a link to all of those for you. Nearly there. And but the next page is your investment returns. So this is if you were to do in the SOA, it shows you your projected returns over the five and ten years, including a salary sacrifice recommendation. This one here is the alternative just so you've got the information again to make an informed decision if you were to do no salary sacrifice so you can compare those five and ten year benefits and and what it's worth in the long run.\n\nYep. That and the next two pages, it just explain, you know, investment return methodology. So how we how we calculate the returns in a conservative nature. And then the the next page is life insurance through superannuation. So just general information that you've covered off on previously because you've got your life and TPD in life TPD and income protection in your superannuation fund already.\n\nJust quickly, any questions? No. I completely understand. I completely understand. So once you have had a chance oh, that's fine.\n\nThat's all. Absolutely. That's fine. Once you go through it, if you've got any questions, feel free to give me a call, send me an email, whatever method is best for you. And I'll just briefly touch on the other documents within the email you've received.\n\nYou've got our financial services guide again, which you received recently in our review. You have the hub 24 PDSs enclosed along with the generation life investment options PDF and the MetLife insurance PDF. So they're really helpful to look at for if you wanted to have a look at what the trauma policy will cover you, what definitions, have a look at the MetLife PDF under trauma, and you'll see, for example, some of those conditions or diagnoses, we should say, where you would be covered. Yeah. Sorry for we're talking a lot.\n\nI know there's a lot of information. Oh, no. No. Not at all. Not at all.\n\nI know that there's a lot of information there to digest. So please, again, if you have any any questions after having a read through it, just reach out, and I will make contact with your preferred method, and we can go through them. Nope. You are absolutely welcome. I hope that that it doesn't put you to sleep whilst reading it.\n\nAlright. Fantastic. Did you want me to give you a follow-up in any period of time, or are you you are okay to read and then come back to me? Okay. Beautiful.\n\nOkay. Alright. That's that's absolutely fine. Well, thank you so much for your time, Amy. And, hopefully, I can let you go so you can get off the street and go do what you gotta do next.\n\nYeah. You too, Amy. Enjoy. Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":2.3999999,"end":2.72,"sentiment":"neutral","sentiment_score":0.022232256829738617},{"text":"Is this Amy?","start":2.72,"end":3.6999998,"sentiment":"neutral","sentiment_score":0.022380563120047253},{"text":"Amy, it's Jenna from Oakview Financial Phoning.","start":5.2799997,"end":8.58,"sentiment":"neutral","sentiment_score":0.0688060133584908},{"text":"How I'm well.","start":8.639999,"end":10.32,"sentiment":"neutral","sentiment_score":0.26568689942359924},{"text":"I'm well.","start":10.32,"end":10.719999,"sentiment":"positive","sentiment_score":0.39987415075302124}],"sentiment":"neutral","sentiment_score":0.13548906496725976,"num_words":16,"start":2.3999999,"end":10.719999},{"sentences":[{"text":"Thank you.","start":10.719999,"end":11.12,"sentiment":"positive","sentiment_score":0.5229977071285248},{"text":"How are you?","start":11.12,"end":11.94,"sentiment":"neutral","sentiment_score":0.24225694437821707},{"text":"Beautiful.","start":13.92,"end":14.42,"sentiment":"positive","sentiment_score":0.4864658117294311},{"text":"Just before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes.","start":15.174999,"end":20.935,"sentiment":"neutral","sentiment_score":0.03545032077185486},{"text":"Is that okay?","start":20.935,"end":21.835,"sentiment":"neutral","sentiment_score":0.039142308135827385}],"sentiment":"neutral","sentiment_score":0.09975051129003987,"num_words":32,"start":10.719999,"end":21.835},{"sentences":[{"text":"Fantastic.","start":23.575,"end":24.075,"sentiment":"positive","sentiment_score":0.5743187069892883},{"text":"And, Amy, I'll just ask if you can please confirm your full name, date of birth, and address.","start":24.695,"end":29.460001,"sentiment":"neutral","sentiment_score":0.1264372430741787},{"text":"Beautiful.","start":40.16,"end":40.66,"sentiment":"positive","sentiment_score":0.49929744005203247},{"text":"Thank you for that.","start":40.8,"end":42.1,"sentiment":"positive","sentiment_score":0.589488297700882},{"text":"The reason I'm phoning today is to run through the advice preparation following our recent review.","start":43.735,"end":50.795,"sentiment":"neutral","sentiment_score":0.04418689897283912}],"sentiment":"neutral","sentiment_score":0.1603607524186373,"num_words":40,"start":23.575,"end":50.795},{"sentences":[{"text":"Do you still have time to go through that now?","start":51.335,"end":54.155,"sentiment":"neutral","sentiment_score":-0.0030289119109511375},{"text":"Okay.","start":57.095,"end":57.45,"sentiment":"neutral","sentiment_score":0.0812368392944336},{"text":"Okay.","start":57.850002,"end":58.350002,"sentiment":"neutral","sentiment_score":0.05170803517103195},{"text":"Feel free to interrupt me anytime that you need to if you need to.","start":58.49,"end":62.83,"sentiment":"neutral","sentiment_score":0.042828362568148544},{"text":"Okay.","start":64.81,"end":65.31,"sentiment":"neutral","sentiment_score":0.01801913231611252}],"sentiment":"neutral","sentiment_score":0.026676739393560973,"num_words":27,"start":51.335,"end":65.31},{"sentences":[{"text":"I have sent you an email.","start":65.93,"end":68.11,"sentiment":"neutral","sentiment_score":0.011062382099529108},{"text":"If you have access to your emails.","start":70.09,"end":71.145,"sentiment":"neutral","sentiment_score":0.0005766644275614194},{"text":"To your emails.","start":71.225,"end":72.125,"sentiment":"neutral","sentiment_score":0.0046907635405659676},{"text":"Do you?","start":72.905,"end":73.145,"sentiment":"neutral","sentiment_score":0.0066605929750949144},{"text":"Yeah?","start":73.145,"end":73.645,"sentiment":"neutral","sentiment_score":0.011773670092225077}],"sentiment":"neutral","sentiment_score":0.005767267908116705,"num_words":19,"start":65.93,"end":73.645},{"sentences":[{"text":"Yeah.","start":74.424995,"end":74.924995,"sentiment":"neutral","sentiment_score":0.025583960115909576},{"text":"Absolutely fine.","start":80.66499,"end":81.784996,"sentiment":"neutral","sentiment_score":0.10486939176917076},{"text":"Thank you.","start":81.784996,"end":82.604996,"sentiment":"neutral","sentiment_score":0.15497509390115738},{"text":"K.","start":98.520004,"end":98.865,"sentiment":"neutral","sentiment_score":-0.006310946308076382},{"text":"A similar process to the no.","start":100.704994,"end":102.625,"sentiment":"neutral","sentiment_score":-0.05701642297208309}],"sentiment":"neutral","sentiment_score":0.016405287276332576,"num_words":12,"start":74.424995,"end":102.625},{"sentences":[{"text":"You're fine.","start":102.625,"end":103.345,"sentiment":"neutral","sentiment_score":0.029081981629133224},{"text":"The the review document is if you open it up and click sign, it should bring up some documents for us to go through, and we can work our way through that.","start":103.345,"end":116.9,"sentiment":"neutral","sentiment_score":0.0389498871518299},{"text":"It's always the way, isn't it?","start":126.125,"end":127.745,"sentiment":"neutral","sentiment_score":-0.00416084115083019},{"text":"Okay.","start":129.88501,"end":130.38501,"sentiment":"neutral","sentiment_score":0.0025001540780067444},{"text":"So is the document the first thing you're looking at, statement of advice, the first document?","start":130.445,"end":134.705,"sentiment":"neutral","sentiment_score":0.004514068037678953}],"sentiment":"neutral","sentiment_score":0.023760009612152844,"num_words":57,"start":102.625,"end":134.705},{"sentences":[{"text":"Great.","start":136.205,"end":136.705,"sentiment":"positive","sentiment_score":0.5321672558784485},{"text":"Beautiful.","start":136.845,"end":137.345,"sentiment":"neutral","sentiment_score":0.08515287935733795},{"text":"So what what we'll do is we'll start we're gonna go through the document just to explain the recommendations that I've researched and that we're making.","start":137.82,"end":148.24,"sentiment":"neutral","sentiment_score":0.15426821892078108},{"text":"So the cover page is it obviously is a statement of advice prepared for yourself based on your own personal and financial situation, and that it was prepared on the September 14 yesterday.","start":148.62,"end":160.335,"sentiment":"neutral","sentiment_score":0.06756430570826386},{"text":"The next page is the best interest duty.","start":162.155,"end":164.64,"sentiment":"neutral","sentiment_score":0.1220178036019206}],"sentiment":"neutral","sentiment_score":0.11353707745455313,"num_words":69,"start":136.205,"end":164.64},{"sentences":[{"text":"So it lists out the steps as an adviser that we must adhere to in order to satisfy the best industry standard for our clients.","start":164.88,"end":175.14,"sentiment":"neutral","sentiment_score":0.15656212896108626},{"text":"So that's identifying your financial situations, your needs, conducting research, identifying specific advice elements that the client being yourself may need.","start":176.0,"end":187.875,"sentiment":"neutral","sentiment_score":0.09403689507217634},{"text":"Consider if any advice that we give is reasonable from a financial product and from a client's personal perspective, and take any actionable steps that would be reasonably that would be regarded in your best interest.","start":189.695,"end":206.315,"sentiment":"neutral","sentiment_score":0.18756209106908905},{"text":"That's how we operate.","start":206.455,"end":207.675,"sentiment":"neutral","sentiment_score":0.2157536894083023},{"text":"The next one is a table of contents, and the following page is our scope of advice.","start":209.495,"end":214.215,"sentiment":"neutral","sentiment_score":0.1252610963933608}],"sentiment":"neutral","sentiment_score":0.15178171548883893,"num_words":103,"start":164.88,"end":214.215},{"sentences":[{"text":"So this is where we discuss or we outline what your goals were.","start":214.215,"end":218.16,"sentiment":"neutral","sentiment_score":0.21736381833369917},{"text":"Superannuation, you wanna keep track of your super a lot more and not just wing it, and you wanna be in the best options available to you.","start":219.2,"end":226.48001,"sentiment":"neutral","sentiment_score":0.31939268112182617},{"text":"So in line with that, we've made a recommendation to review some of the investments within your Hub twenty four account that we talked about previous in your review.","start":226.48001,"end":235.985,"sentiment":"neutral","sentiment_score":0.13952267863627138},{"text":"So we'll cover off on that.","start":236.925,"end":238.305,"sentiment":"neutral","sentiment_score":0.19188948969046274},{"text":"And insurance wise, you were happy with your current levels of life, TPD, and IP.","start":238.685,"end":245.185,"sentiment":"positive","sentiment_score":0.45948366522789}],"sentiment":"neutral","sentiment_score":0.2615453513960044,"num_words":90,"start":214.215,"end":245.185},{"sentences":[{"text":"You were interested in in exploring trauma insurance as you had a friend recently diagnosed with leukemia.","start":246.925,"end":253.64,"sentiment":"neutral","sentiment_score":0.112785694134586},{"text":"So we have made a recommendation for trauma within this document, which we'll go through.","start":254.26001,"end":259.16,"sentiment":"neutral","sentiment_score":0.1491654415925344},{"text":"Estate planning, you'd like to make sure that Tyrone is nominated appropriate appropriately across your policies in Superfund.","start":260.9,"end":268.635,"sentiment":"neutral","sentiment_score":0.1889160093333986},{"text":"So we'll make sure that that is addressed accordingly.","start":268.635,"end":271.215,"sentiment":"neutral","sentiment_score":0.21867853071954516},{"text":"And then we did talk about looking into establishing a little nest egg for Mila aiming for access of around 25 years of age with with potentially access of around 25 years of age with with potentially putting $50 a fortnight in.","start":271.835,"end":286.42,"sentiment":"neutral","sentiment_score":0.10996967403306848}],"sentiment":"neutral","sentiment_score":0.14002138295091024,"num_words":101,"start":246.925,"end":286.42},{"sentences":[{"text":"And we also did talk about potentially putting $50 a fortnight into your super fund as a salary sacrifice.","start":287.44,"end":294.02002,"sentiment":"neutral","sentiment_score":-0.17476125100725576},{"text":"So they're the things we're gonna look at in this document.","start":294.075,"end":296.73502,"sentiment":"neutral","sentiment_score":0.016123521226373585},{"text":"We're gonna walk through them, talk about them, and then at at the end I mean, anywhere throughout the conversation, interrupt me if you've got any questions at all.","start":298.71503,"end":308.73502,"sentiment":"neutral","sentiment_score":0.048891127751819016},{"text":"And and at the end, we can decide you can advise what you wish to proceed with.","start":310.15,"end":315.45,"sentiment":"neutral","sentiment_score":0.25489584750988903},{"text":"Okay.","start":317.75,"end":318.15,"sentiment":"neutral","sentiment_score":-0.010466441512107847}],"sentiment":"neutral","sentiment_score":0.03373377448455854,"num_words":77,"start":287.44,"end":318.15},{"sentences":[{"text":"So the limited advice warning on the next page, it simply states that if if I don't have any full information provided that the information may not be appropriate.","start":318.15,"end":330.075,"sentiment":"neutral","sentiment_score":-0.31944336639396076},{"text":"Also warning that I'm not a legal practitioner, so drafting of wills and powers of attorney need to be done so by a solicitor.","start":330.935,"end":338.00998,"sentiment":"negative","sentiment_score":-0.42414075260361034},{"text":"I can't provide general insurance products advice, the house, car, etcetera.","start":339.59,"end":344.81,"sentiment":"neutral","sentiment_score":-0.26587750153108075},{"text":"And I can I can provide relevant tax financial planning tax information, but but I'm not an actual registered tax agent, so from an income perspective?","start":345.34998,"end":357.975,"sentiment":"neutral","sentiment_score":-0.061008768084530644},{"text":"The about you section is based on the information that we completed in our annual review.","start":359.05002,"end":363.95,"sentiment":"neutral","sentiment_score":-0.0122977658174932}],"sentiment":"neutral","sentiment_score":-0.22783849460406685,"num_words":106,"start":318.15,"end":363.95},{"sentences":[{"text":"So if any of that has changed, we would look at updating that.","start":364.09003,"end":370.75,"sentiment":"neutral","sentiment_score":-0.10597198857710911},{"text":"The wording at the bottom, when we spoke, you're uncertain about your surplus cash flow.","start":371.925,"end":378.005,"sentiment":"neutral","sentiment_score":-0.2510812888542811},{"text":"So what I have done in my research is I've worked out that a pro you you net approximately $8.50 per week.","start":378.005,"end":384.275,"sentiment":"neutral","sentiment_score":-0.019314376468008213},{"text":"$8.50 per week.","start":384.99,"end":386.29,"sentiment":"neutral","sentiment_score":-0.05965590849518776},{"text":"This is just based on basic tax structure, so please let me know if it's incorrect at all.","start":386.99,"end":392.53,"sentiment":"neutral","sentiment_score":-0.30277320328685975}],"sentiment":"neutral","sentiment_score":-0.15771347677833597,"num_words":71,"start":364.09003,"end":392.53},{"sentences":[{"text":"Subtracting your weekly expenses of $5.50, we've we've said that you've got about 300 a week, and those are pretty fixed figures.","start":393.07,"end":401.835,"sentiment":"neutral","sentiment_score":-0.06162971789440648},{"text":"Obviously, each week is variable, which we all understand.","start":401.895,"end":405.755,"sentiment":"neutral","sentiment_score":-0.09319328599505955},{"text":"But the reason why we calculated that is to ensure that any recommendation we make is affordable and in your best interest.","start":406.215,"end":413.355,"sentiment":"neutral","sentiment_score":0.21674385565248402},{"text":"So if any of that is incorrect at any time, please let me know.","start":413.76,"end":418.26,"sentiment":"neutral","sentiment_score":-0.31093594232308014},{"text":"It could change the outcome.","start":420.16,"end":421.78,"sentiment":"neutral","sentiment_score":-0.18025080263614654}],"sentiment":"neutral","sentiment_score":-0.037230357624745615,"num_words":72,"start":393.07,"end":421.78},{"sentences":[{"text":"The lifestyle assets and liabilities and your current superannuation and your current risk portfolio protection, that just outline outlines your personal and financial information that we discussed in your review.","start":423.12,"end":435.425,"sentiment":"neutral","sentiment_score":0.07566643891235193},{"text":"So those details and your risk the following page is your risk profile.","start":435.805,"end":441.645,"sentiment":"neutral","sentiment_score":0.06563576969962853},{"text":"So that's being high growth.","start":441.645,"end":443.87003,"sentiment":"neutral","sentiment_score":0.19048146456480025},{"text":"During our review, you agreed that you would be comfortable to continue with a high growth allocation, which, again, just touching on it means that you are happy to have about 90% of your assets invested in growth assets and a 10% in a defensive portfolio or sector.","start":445.61002,"end":464.575,"sentiment":"positive","sentiment_score":0.3484303637718161},{"text":"Is that still are you still comfortable with that?","start":465.835,"end":468.73502,"sentiment":"neutral","sentiment_score":0.12135068906678094}],"sentiment":"neutral","sentiment_score":0.20849980151369457,"num_words":105,"start":423.12,"end":468.73502},{"sentences":[{"text":"Fantastic.","start":472.03,"end":472.43002,"sentiment":"positive","sentiment_score":0.5668915510177612},{"text":"Okay.","start":472.43002,"end":472.93002,"sentiment":"neutral","sentiment_score":0.26518309116363525},{"text":"The next this is where the actual in the advice starts.","start":473.23,"end":476.75,"sentiment":"neutral","sentiment_score":0.1217130260034041},{"text":"So the first the first lot of advice, strategy recommendations is that you retain your hub, and we're gonna make some switches to the underlying investments.","start":476.75,"end":487.755,"sentiment":"neutral","sentiment_score":0.06094455188856675},{"text":"Though those underlying investments, as we discussed in our review, is the Benelong Australian Equities Fund, and that was due to underperformance.","start":488.935,"end":499.25998,"sentiment":"neutral","sentiment_score":-0.0577179030938582}],"sentiment":"neutral","sentiment_score":0.040748891955027816,"num_words":61,"start":472.03,"end":499.25998},{"sentences":[{"text":"We're recommending that it be replaced with the BetaShares Australian two hundred ETF.","start":499.87997,"end":506.53998,"sentiment":"neutral","sentiment_score":-0.00612337772662823},{"text":"It is lower cost.","start":507.63998,"end":509.25998,"sentiment":"neutral","sentiment_score":0.24318819865584373},{"text":"It has it will increase the diversification across the portfolio.","start":509.96,"end":517.59503,"sentiment":"neutral","sentiment_score":0.31781824827194216},{"text":"So it it it it is designed to maintain consistency in your portfolio along with what Benelon was designed to do and reach a long term objective, it's just a bit more cost efficient because it is an ETF instead of a managed fund.","start":518.935,"end":533.66,"sentiment":"neutral","sentiment_score":0.14678477377376772},{"text":"So it's gonna it's what it will do is provide an estimated cost saving saving of approximately 305 per annum in your investment fees, which is nice.","start":537.48,"end":551.225,"sentiment":"neutral","sentiment_score":0.2183989131892169}],"sentiment":"neutral","sentiment_score":0.16761869458215578,"num_words":98,"start":499.87997,"end":551.225},{"sentences":[{"text":"There's, yeah, there's some there's some great advantages of doing this.","start":553.605,"end":559.43,"sentiment":"positive","sentiment_score":0.35404538295485755},{"text":"I'm gonna highlight the significant ones, and then I'm going to focus more on the disadvantages to make sure that a client is fully aware and can make an informed decision.","start":560.05,"end":569.43,"sentiment":"neutral","sentiment_score":0.11872378135881116},{"text":"So one of the the benefits of it is that by making this switch, there is actually gonna be no capital gains tax within within the portfolio.","start":570.53,"end":580.125,"sentiment":"neutral","sentiment_score":0.29498760002078833},{"text":"So because Benelon was operating at a loss, there's no capital gains within the superannuation fund that would be applicable.","start":580.34503,"end":589.39996,"sentiment":"neutral","sentiment_score":-0.05302417492493987},{"text":"We're gonna rebalance your portfolio, which all that means is we may sell down some small add a small holding of assets to top up other assets to make sure that your your allocation to, let's say, Australian net shares, international shares, fixed interest cash, etcetera, are in line with your risk high growth risk profile.","start":591.62,"end":613.425,"sentiment":"neutral","sentiment_score":0.034178951588858454}],"sentiment":"neutral","sentiment_score":0.11305613397010442,"num_words":145,"start":553.605,"end":613.425},{"sentences":[{"text":"The negatives or disadvantages, if we put it that way, is, obviously, there is no guarantee that the recommended portfolio will always outperform.","start":615.7,"end":625.16,"sentiment":"neutral","sentiment_score":-0.26195750612279645},{"text":"So that you know, we can't rely on past performance.","start":626.98,"end":629.895,"sentiment":"neutral","sentiment_score":-0.12863773629069328},{"text":"It's not indicative of future performance.","start":630.035,"end":632.055,"sentiment":"neutral","sentiment_score":-0.18983625620603561},{"text":"The rebalancing will incur some brokerage.","start":633.635,"end":638.455,"sentiment":"neutral","sentiment_score":-0.09652265347540379},{"text":"No.","start":638.835,"end":639.075,"sentiment":"neutral","sentiment_score":-0.021916553378105164}],"sentiment":"neutral","sentiment_score":-0.19677108728691287,"num_words":46,"start":615.7,"end":639.075},{"sentences":[{"text":"You're you're absolutely fine.","start":639.075,"end":640.435,"sentiment":"neutral","sentiment_score":0.14428400248289108},{"text":"Are you okay?","start":640.435,"end":641.1,"sentiment":"neutral","sentiment_score":0.12061300128698349},{"text":"Oh, okay.","start":645.5,"end":646.31995,"sentiment":"neutral","sentiment_score":0.034944385290145874},{"text":"I was I was hoping you didn't hurt yourself last time.","start":646.54,"end":649.19995,"sentiment":"neutral","sentiment_score":-0.059864318506284195},{"text":"No.","start":649.74,"end":649.98,"sentiment":"neutral","sentiment_score":-0.07721320539712906}],"sentiment":"neutral","sentiment_score":0.013006813114597685,"num_words":21,"start":639.075,"end":649.98},{"sentences":[{"text":"I'm glad.","start":649.98,"end":650.63995,"sentiment":"neutral","sentiment_score":0.09034344274550676},{"text":"Okay.","start":651.81995,"end":652.22,"sentiment":"neutral","sentiment_score":0.22422955930233},{"text":"Beautiful.","start":652.22,"end":652.72,"sentiment":"positive","sentiment_score":0.3723176419734955},{"text":"With doing these investment changes, you will incur what they call brokerage, so trading costs.","start":653.98,"end":661.525,"sentiment":"neutral","sentiment_score":0.04599166524906953},{"text":"They're they're what is that word I'm thinking of?","start":662.30505,"end":666.465,"sentiment":"neutral","sentiment_score":0.004100783986763822}],"sentiment":"neutral","sentiment_score":0.0537148614779913,"num_words":28,"start":649.98,"end":666.465},{"sentences":[{"text":"They're aggregated together, so the costs are quite minimal compared to an actual trade itself.","start":666.465,"end":674.58997,"sentiment":"neutral","sentiment_score":0.01974142448355754},{"text":"So there are some costs in that.","start":675.29,"end":677.55,"sentiment":"neutral","sentiment_score":-0.03345634468964168},{"text":"I believe they're quite minimal, but, yeah, it is a dis event it is something that you need to be aware of when we're rebalancing your portfolio.","start":678.17,"end":687.335,"sentiment":"neutral","sentiment_score":-0.10433039317528407},{"text":"We did consider some alternatives.","start":692.275,"end":694.055,"sentiment":"neutral","sentiment_score":0.0013122893869876862},{"text":"So we did consider another platform.","start":694.115,"end":695.815,"sentiment":"neutral","sentiment_score":0.015510247088968754}],"sentiment":"neutral","sentiment_score":-0.04425617886396746,"num_words":60,"start":666.465,"end":695.815},{"sentences":[{"text":"For example, outside of my hub, we didn't proceed with that as an option because there was there were gonna be some significant capital gains tax that would have been payable from the super fund.","start":696.355,"end":708.34,"sentiment":"neutral","sentiment_score":-0.0832753203277077},{"text":"And we did look at other investment options or portfolios.","start":710.24005,"end":713.985,"sentiment":"neutral","sentiment_score":-0.006248577591031789},{"text":"Let's refer to them as, but they were discounted also because of the capital gains, and they had lower historical performance over the last one to three, five years.","start":714.125,"end":725.185,"sentiment":"neutral","sentiment_score":-0.09336104860593533},{"text":"So that's the first lot.","start":725.85,"end":728.51,"sentiment":"neutral","sentiment_score":0.02315499000251293},{"text":"Any questions?","start":728.81,"end":729.70996,"sentiment":"neutral","sentiment_score":0.0344303697347641}],"sentiment":"neutral","sentiment_score":-0.0679007000922237,"num_words":81,"start":696.355,"end":729.70996},{"sentences":[{"text":"Okay.","start":732.01,"end":732.51,"sentiment":"neutral","sentiment_score":0.1624186635017395},{"text":"Beautiful.","start":734.17,"end":734.67,"sentiment":"positive","sentiment_score":0.6916873455047607},{"text":"On page 16, it's a important part.","start":735.20996,"end":738.73,"sentiment":"neutral","sentiment_score":0.22241973664079392},{"text":"This is the fee comparison.","start":738.73,"end":738.86334,"sentiment":"neutral","sentiment_score":0.11543557196855544},{"text":"So it's a recommended.","start":738.86334,"end":746.285,"sentiment":"neutral","sentiment_score":0.14754553139209747}],"sentiment":"neutral","sentiment_score":0.1988002306057347,"num_words":18,"start":732.01,"end":746.285},{"sentences":[{"text":"And the main difference you're gonna find, it was they should be all very similar except for the investment fee line.","start":746.90497,"end":753.94495,"sentiment":"neutral","sentiment_score":0.1040437790964331},{"text":"You'll see that the the recommended is quite lower.","start":753.94495,"end":757.21,"sentiment":"neutral","sentiment_score":0.10264607518911362},{"text":"And you'll see the net contributions column is a little bit bigger because we have recommended a salary sacrifice if you shall proceed with it.","start":757.83,"end":768.97003,"sentiment":"neutral","sentiment_score":0.04405161574482918},{"text":"So underneath that, your projected balance, we only do very basic projections.","start":770.52496,"end":774.70496,"sentiment":"neutral","sentiment_score":0.05461153760552406},{"text":"By changing your portfolio at the bottom of page 16, it will show your current balance, your recommended I mean, sorry, your current allocation, your recommended allocation, and the difference.","start":775.885,"end":788.86,"sentiment":"neutral","sentiment_score":0.07764814433952173}],"sentiment":"neutral","sentiment_score":0.07417327023504935,"num_words":97,"start":746.90497,"end":788.86},{"sentences":[{"text":"So by making the the changes, that's what we recommend the difference in the balance will be.","start":788.86,"end":797.04,"sentiment":"neutral","sentiment_score":0.08119174553190961},{"text":"Over on page 18, this is just a breakdown of what we will do with your portfolio.","start":800.125,"end":805.105,"sentiment":"neutral","sentiment_score":0.020107622860985642},{"text":"So you'll see along the top line, you'll see that along Australian Equities has a negative 26,000 figure in red.","start":805.725,"end":813.38,"sentiment":"neutral","sentiment_score":-0.046137427422218026},{"text":"Everything in red with a negative is what we're selling down, and and then anything in black is what we're topping up.","start":813.76,"end":822.72,"sentiment":"neutral","sentiment_score":-0.0898432635109533},{"text":"So that's to rebalance.","start":822.72,"end":824.02,"sentiment":"neutral","sentiment_score":-0.026568575762212276}],"sentiment":"neutral","sentiment_score":-0.016043567325687035,"num_words":80,"start":788.86,"end":824.02},{"sentences":[{"text":"So Europe, for example, if we look at the iShares Europe, you'll see what your current balance is at $5,065.","start":824.32,"end":834.51495,"sentiment":"neutral","sentiment_score":0.0052247039508074525},{"text":"We we want that allocated around 5%.","start":835.535,"end":838.27496,"sentiment":"neutral","sentiment_score":-0.0015500368816511972},{"text":"So we're gonna we're we're gonna sell down approximately $536 of that asset to reduce it and invest elsewhere along your portfolio.","start":838.57495,"end":847.24,"sentiment":"neutral","sentiment_score":-0.034511270255527714},{"text":"So that's a rebalance what we're doing there.","start":848.34,"end":850.92,"sentiment":"neutral","sentiment_score":0.03179777995683253},{"text":"You'll see that it's it's probably more applicable to the iShares S and P five hundred and the iShares Asia.","start":851.7,"end":858.915,"sentiment":"neutral","sentiment_score":0.060471152886748314}],"sentiment":"neutral","sentiment_score":0.010366248994968928,"num_words":77,"start":824.32,"end":858.915},{"sentences":[{"text":"We're a little bit over, and we wanna bring that back down.","start":859.21497,"end":862.75494,"sentiment":"neutral","sentiment_score":0.027235682122409344},{"text":"Any any questions about that?","start":864.815,"end":866.915,"sentiment":"neutral","sentiment_score":0.05215902775526047},{"text":"Okay.","start":870.57495,"end":870.93,"sentiment":"neutral","sentiment_score":0.10003441572189332},{"text":"Okay.","start":871.57,"end":871.89,"sentiment":"neutral","sentiment_score":0.07562142610549927},{"text":"The next section is the proposed asset allocation table.","start":871.89,"end":875.67,"sentiment":"neutral","sentiment_score":0.05270185745838615}],"sentiment":"neutral","sentiment_score":0.04419985297136009,"num_words":28,"start":859.21497,"end":875.67},{"sentences":[{"text":"So this shows you as a high growth investor, that first column will indicate what we would typically see your funds invested across.","start":875.97,"end":885.57,"sentiment":"neutral","sentiment_score":0.08109318659357402},{"text":"So you've got your Australian at 35%, international equities at 55%, cash at one, fixed interest at nine.","start":885.57,"end":894.60504,"sentiment":"neutral","sentiment_score":0.08097490212983555},{"text":"Your portfolio, the next column shows your existing allocation, and then the next column over is the proposed.","start":895.30505,"end":903.75,"sentiment":"neutral","sentiment_score":0.06631538727217251},{"text":"So you'll see that we increase a bit to your Australian equities.","start":903.81,"end":907.75,"sentiment":"neutral","sentiment_score":0.08043290519466002},{"text":"We decrease a bit to your international equities.","start":907.97,"end":910.95,"sentiment":"neutral","sentiment_score":-0.015052837785333395}],"sentiment":"neutral","sentiment_score":0.06786254001191899,"num_words":79,"start":875.97,"end":910.95},{"sentences":[{"text":"We decrease the cash a little bit, and we increase the fixed interest a little bit.","start":913.605,"end":919.065,"sentiment":"neutral","sentiment_score":0.02513612702023238},{"text":"So that's just to bring it back to not necessarily in line with the growth and defensive as a group.","start":919.125,"end":929.16003,"sentiment":"neutral","sentiment_score":0.13896913528442384},{"text":"It's bringing your your underlying sectors for the Australian equities back in line.","start":929.3,"end":935.38,"sentiment":"neutral","sentiment_score":0.3019512834457251},{"text":"So your Australian equities had dropped about 5%.","start":935.38,"end":938.18,"sentiment":"neutral","sentiment_score":-0.05621563410386443},{"text":"So we wanted to bring that back up to closer to the 35% mark.","start":938.18,"end":943.99506,"sentiment":"neutral","sentiment_score":0.034843227693012783}],"sentiment":"neutral","sentiment_score":0.10063390898137865,"num_words":71,"start":913.605,"end":943.99506},{"sentences":[{"text":"Does that make sense?","start":944.215,"end":945.35504,"sentiment":"neutral","sentiment_score":0.06330965552479029},{"text":"Okay.","start":947.09503,"end":947.59503,"sentiment":"neutral","sentiment_score":0.28358668088912964},{"text":"Fantastic.","start":947.73505,"end":948.23505,"sentiment":"positive","sentiment_score":0.7815384268760681},{"text":"The visuals help just in because there's so much that goes there's so much words in these documents.","start":950.61505,"end":955.755,"sentiment":"positive","sentiment_score":0.36410164419147706},{"text":"The visuals help to explain what the actual purpose is and why why it's necessary.","start":955.895,"end":963.31,"sentiment":"neutral","sentiment_score":0.12917940753201643}],"sentiment":"neutral","sentiment_score":0.2515354984177229,"num_words":39,"start":944.215,"end":963.31},{"sentences":[{"text":"The next section is make a sacrifice contribution.","start":966.17,"end":969.605,"sentiment":"neutral","sentiment_score":0.020878013921901584},{"text":"Now we talked about this, and it just came up in our review in relation to your insurance premiums being funded through super and how that can have an impact on your retirement balance at the when you go to retire.","start":969.605,"end":983.145,"sentiment":"neutral","sentiment_score":-0.024198714189413117},{"text":"You said that you prob you wouldn't miss about $50 a fortnight.","start":984.005,"end":987.91003,"sentiment":"neutral","sentiment_score":-0.004126139489623408},{"text":"So what I've done is I've had a look, and I've made an invest I've made a recommendation that you do set up a $50 per fortnight salary sacrifice arrangement with your employer.","start":989.01,"end":999.11,"sentiment":"neutral","sentiment_score":0.11424396141911998},{"text":"The benefits are it's you're you're you're contributing it pretax.","start":1000.935,"end":1005.195,"sentiment":"neutral","sentiment_score":0.03688363432884216}],"sentiment":"neutral","sentiment_score":0.03138702140243437,"num_words":104,"start":966.17,"end":1005.195},{"sentences":[{"text":"So the money that goes in there is taxed at a rate of 15% of super instead of coming to you, and then you're doing it being taxed at you personally, and then you're making a contribution to super.","start":1005.255,"end":1018.28,"sentiment":"neutral","sentiment_score":-0.0025412796112971427},{"text":"So it's pretax money.","start":1018.42004,"end":1020.04004,"sentiment":"neutral","sentiment_score":0.22940166667103767},{"text":"So that's one of the benefits of it.","start":1022.10004,"end":1025.14,"sentiment":"positive","sentiment_score":0.4464910998940468},{"text":"The other benefit is also that additionally into that, it's gonna reduce your taxable income each each year and by by a smidge at the moment, but we can review that over time.","start":1025.14,"end":1040.1749,"sentiment":"neutral","sentiment_score":0.0924863712579915},{"text":"But, also, it's gonna help to offset some of those insurance premiums and help you work towards that retirement goal.","start":1040.1749,"end":1047.12,"sentiment":"neutral","sentiment_score":0.303481575101614}],"sentiment":"neutral","sentiment_score":0.12992410879367247,"num_words":104,"start":1005.255,"end":1047.12},{"sentences":[{"text":"So on page 22, it does give you a table, a visual again, to help break that down.","start":1050.38,"end":1056.64,"sentiment":"neutral","sentiment_score":0.29864579687515896},{"text":"So it's got your current position versus proposed.","start":1057.445,"end":1060.025,"sentiment":"neutral","sentiment_score":0.10169572941958904},{"text":"The current is with no salary sacrifice, and proposed is with salary sacrifice.","start":1060.165,"end":1065.145,"sentiment":"neutral","sentiment_score":0.07420038919036205},{"text":"You'll see at the bottom, the net income variance over the whole year is 864.","start":1065.445,"end":1074.3099,"sentiment":"neutral","sentiment_score":0.13227539360523224},{"text":"So that's you're not gonna see $864 in your pay packet each year.","start":1074.3099,"end":1078.97,"sentiment":"neutral","sentiment_score":0.06857704141965279}],"sentiment":"neutral","sentiment_score":0.1496929504644515,"num_words":67,"start":1050.38,"end":1078.97},{"sentences":[{"text":"So even yes.","start":1080.95,"end":1085.45,"sentiment":"neutral","sentiment_score":0.10277561595042546},{"text":"Yeah.","start":1085.75,"end":1086.25,"sentiment":"neutral","sentiment_score":0.16743457317352295},{"text":"It I know I know what you mean.","start":1086.95,"end":1088.855,"sentiment":"neutral","sentiment_score":0.08468708675354719},{"text":"Like, when we break it down, I understand because I do it myself personally.","start":1088.855,"end":1092.635,"sentiment":"neutral","sentiment_score":0.08899488965315479},{"text":"So, yes, so that's what it would be to you receiving your income.","start":1093.975,"end":1099.4349,"sentiment":"neutral","sentiment_score":0.20322876366285178}],"sentiment":"neutral","sentiment_score":0.12926052558498505,"num_words":39,"start":1080.95,"end":1099.4349},{"sentences":[{"text":"So if we broke that down over let's have a quick look because I'm a figures person.","start":1099.59,"end":1106.47,"sentiment":"neutral","sentiment_score":0.0972345142680056},{"text":"I like it.","start":1106.47,"end":1107.2899,"sentiment":"positive","sentiment_score":0.5782695611317953},{"text":"So, essentially, what that means is $33 less in your pay packet a week.","start":1107.59,"end":1113.0499,"sentiment":"neutral","sentiment_score":0.19371467881969043},{"text":"So even though you're doing $50, that's with pretax money.","start":1113.83,"end":1118.515,"sentiment":"neutral","sentiment_score":0.13284015879034997},{"text":"So after tax and when you get your pay, it'll be $33 less.","start":1118.655,"end":1124.755,"sentiment":"neutral","sentiment_score":0.11482706608680579}],"sentiment":"neutral","sentiment_score":0.1565079715168267,"num_words":57,"start":1099.59,"end":1124.755},{"sentences":[{"text":"That's what you'll see in your in your pay packet.","start":1125.375,"end":1128.195,"sentiment":"positive","sentiment_score":0.4539435863494873},{"text":"So the benefits are that you're gonna grow your super in a tax effective way.","start":1131.66,"end":1134.94,"sentiment":"positive","sentiment_score":0.6869321465492249},{"text":"So you're growing your super.","start":1134.94,"end":1136.48,"sentiment":"positive","sentiment_score":0.6445973992347718},{"text":"You're probably reducing you're reducing your taxable income, which is a bonus, less tax payable.","start":1136.86,"end":1144.925,"sentiment":"positive","sentiment_score":0.38741269807020823},{"text":"Yeah.","start":1145.545,"end":1146.045,"sentiment":"neutral","sentiment_score":0.1124141663312912}],"sentiment":"positive","sentiment_score":0.5215219498976417,"num_words":46,"start":1125.375,"end":1146.045},{"sentences":[{"text":"So the the disadvantages is is that you that money that you are putting into superannuation, the $50 a fortnight, you can't access until you reach preservation age, which is age 60.","start":1148.505,"end":1161.04,"sentiment":"neutral","sentiment_score":-0.32439812645316124},{"text":"So it is gonna get locked away.","start":1161.3401,"end":1163.2001,"sentiment":"neutral","sentiment_score":-0.2831217369862965},{"text":"You will have a a reduced net income, which we've just talked about of how much that would be per fortnight.","start":1164.54,"end":1170.4801,"sentiment":"neutral","sentiment_score":-0.16700319200754166},{"text":"And, yeah, superannuation contributions are taxed at 15%.","start":1171.605,"end":1176.245,"sentiment":"neutral","sentiment_score":-0.0801761019974947},{"text":"So it's taxed in the same way that they're taxed when your employer's putting them in.","start":1176.245,"end":1180.745,"sentiment":"neutral","sentiment_score":-0.06214856542646885}],"sentiment":"neutral","sentiment_score":-0.20839815595675082,"num_words":84,"start":1148.505,"end":1180.745},{"sentences":[{"text":"Any questions about that?","start":1183.685,"end":1186.1599,"sentiment":"neutral","sentiment_score":0.08576880767941475},{"text":"No?","start":1188.78,"end":1189.28,"sentiment":"neutral","sentiment_score":0.014960266649723051},{"text":"Then on the page 24, we've got a recommendation for you to apply for trauma insurance through MetLife.","start":1192.46,"end":1199.28,"sentiment":"neutral","sentiment_score":0.06240144641035133},{"text":"I have a I've added a little benefit on there, being child benefit.","start":1200.175,"end":1205.155,"sentiment":"neutral","sentiment_score":0.12837485166696402},{"text":"So, basically, what it means is as per our review, we did talk about trauma and the benefits of it.","start":1205.775,"end":1213.25,"sentiment":"neutral","sentiment_score":0.11002244055271149}],"sentiment":"neutral","sentiment_score":0.09554613241925836,"num_words":56,"start":1183.685,"end":1213.25},{"sentences":[{"text":"I've recommended a some insured of 237,000, and what that is intended to do is provide a lump sum benefit to help you support your financial kit commitments and greater flexibility.","start":1213.63,"end":1226.37,"sentiment":"neutral","sentiment_score":0.1962528738283342},{"text":"So there is some allowance in there to cover some of that debt that you had, the smaller fixed debt, but also help with out of pocket medical expenses and give you that financial flexibility to recover and Tyrone to be there for you and help with Mila as needed.","start":1226.67,"end":1248.36,"sentiment":"neutral","sentiment_score":0.14228573068976402},{"text":"The reason why I've added child cover in there is because from a cash flow perspective and cost, it's minimal, I I think, but let me get it the actual exact figure for you.","start":1250.5,"end":1263.755,"sentiment":"neutral","sentiment_score":0.03324004520169076},{"text":"I believe from memory, it's about $6 a month included in that $69 per month that the premium would cost you.","start":1263.755,"end":1272.4951,"sentiment":"neutral","sentiment_score":0.0422059390693903},{"text":"And it's a it covers up to 10% of your trauma cover.","start":1272.76,"end":1276.46,"sentiment":"neutral","sentiment_score":0.08990229262659948}],"sentiment":"neutral","sentiment_score":0.11009080670270566,"num_words":148,"start":1213.63,"end":1276.46},{"sentences":[{"text":"So 23,700 if Mila is diagnosed with a specified serious illness, which is gonna just allow you to have some financial flexibility to focus on Mila should something have happened yesterday.","start":1276.52,"end":1290.395,"sentiment":"neutral","sentiment_score":0.09062755336203883},{"text":"I use yesterday as example to focus on her recovery as opposed to worrying about financial concerns and stress.","start":1291.175,"end":1298.215,"sentiment":"neutral","sentiment_score":0.05798671100484697},{"text":"Mhmm.","start":1298.215,"end":1298.465,"sentiment":"neutral","sentiment_score":0.09246274828910828},{"text":"$69.39 per month.","start":1309.7699,"end":1312.4299,"sentiment":"neutral","sentiment_score":0.01875455677509308},{"text":"Yeah.","start":1314.335,"end":1314.575,"sentiment":"neutral","sentiment_score":0.11731527000665665}],"sentiment":"neutral","sentiment_score":0.07594987912611528,"num_words":55,"start":1276.52,"end":1314.575},{"sentences":[{"text":"So I think I've gone through the advantages for you.","start":1314.575,"end":1317.695,"sentiment":"neutral","sentiment_score":0.11892699375748635},{"text":"The disadvantages are it is funded that does need to be funded out of your personal cash flow.","start":1317.695,"end":1323.715,"sentiment":"negative","sentiment_score":-0.41910149653752643},{"text":"You do need to go through underwriting.","start":1324.9099,"end":1326.5299,"sentiment":"neutral","sentiment_score":-0.20550611828054702},{"text":"So you would have been through that previously with your other cover with your other covers, but we'll obviously walk you through that should you decide to proceed.","start":1328.4299,"end":1339.49,"sentiment":"neutral","sentiment_score":-0.07337716674166066},{"text":"And with with trauma insurance on some of the conditions, there is what they call kind of like private health, an exclusion or a waiting period.","start":1340.2849,"end":1349.745,"sentiment":"neutral","sentiment_score":-0.06990327750547574}],"sentiment":"neutral","sentiment_score":-0.13106905294352034,"num_words":89,"start":1314.575,"end":1349.745},{"sentences":[{"text":"So it won't cover anything preexisting, but, for example, skin cancers might be excluded for three months, for example.","start":1350.0449,"end":1361.28,"sentiment":"neutral","sentiment_score":-0.08606927136057302},{"text":"So we go through that in a little bit.","start":1361.28,"end":1363.22,"sentiment":"neutral","sentiment_score":-0.0035514365881681442},{"text":"So that's the that's trauma insurance.","start":1365.5249,"end":1370.1849,"sentiment":"neutral","sentiment_score":0.09429249788324039},{"text":"Any questions there?","start":1370.325,"end":1371.625,"sentiment":"neutral","sentiment_score":0.050840603187680244},{"text":"No?","start":1374.4049,"end":1374.9049,"sentiment":"neutral","sentiment_score":-0.03474471718072891}],"sentiment":"neutral","sentiment_score":-0.025888079091122274,"num_words":38,"start":1350.0449,"end":1374.9049},{"sentences":[{"text":"Okay.","start":1375.0449,"end":1375.5449,"sentiment":"neutral","sentiment_score":0.04613880813121796},{"text":"And then the final or not the final, but one of the other recommendations was to build a financial nest egg for Mila.","start":1376.4049,"end":1385.76,"sentiment":"neutral","sentiment_score":0.05835113188494807},{"text":"Now what I looked at in this is a generation life child investment bond.","start":1386.3,"end":1392.855,"sentiment":"neutral","sentiment_score":0.08041310470019068},{"text":"An investment bond is, I felt, the best investment vehicle given the long term investment objective given that Mila wouldn't you wouldn't want her accessing it till she's 25.","start":1393.155,"end":1405.895,"sentiment":"neutral","sentiment_score":0.13180900724797412},{"text":"So what we have what I've done is I've recommended a lump sum minimum investment of a thousand dollars.","start":1407.3899,"end":1412.9099,"sentiment":"neutral","sentiment_score":0.13770873138779088}],"sentiment":"neutral","sentiment_score":0.10410378388194151,"num_words":86,"start":1375.0449,"end":1412.9099},{"sentences":[{"text":"That's the minimum to open the account and then start a regular contribution of $50 per fortnight over the course of the time until Mila is 25 years of age.","start":1412.9099,"end":1425.745,"sentiment":"neutral","sentiment_score":0.07318857442587615},{"text":"So the benefit of that is and why we want an investment bond over an investment, you know, a portfolio, for example, similar to what you've got with hub twenty four for your super, is that there's a few reasons.","start":1427.7251,"end":1440.38,"sentiment":"neutral","sentiment_score":0.09888389431871474},{"text":"The investment bond is taxed internally at a rate of 30%, so it won't be applicable it won't be applicable to your taxable income.","start":1440.9199,"end":1450.22,"sentiment":"neutral","sentiment_score":-0.015258872512883196},{"text":"So if it was held in a investment portfolio, you'd need to look include it in your tax each year.","start":1451.585,"end":1457.505,"sentiment":"neutral","sentiment_score":0.016048581525683402},{"text":"This is this is taxed internally, so it does not need to be included.","start":1457.505,"end":1463.765,"sentiment":"neutral","sentiment_score":0.02465453850371497}],"sentiment":"neutral","sentiment_score":0.05039793152172933,"num_words":128,"start":1412.9099,"end":1463.765},{"sentences":[{"text":"After ten years, as long as we continue to meet all the relevant requirements, so that's no withdrawals for ten years, etcetera, the the funds can be withdrawn tax free.","start":1464.73,"end":1483.095,"sentiment":"neutral","sentiment_score":0.07041136852155129},{"text":"So, essentially, they're considered tax paid.","start":1483.095,"end":1486.475,"sentiment":"neutral","sentiment_score":0.09279056079685688},{"text":"So given that the long the longevity of it, like, there'd be no capital gains tax, etcetera, that's why I opted to recommend an investment bond over an actual investment portfolio.","start":1486.695,"end":1497.1699,"sentiment":"neutral","sentiment_score":0.17604728043079376},{"text":"You can still act yeah.","start":1498.35,"end":1500.0299,"sentiment":"neutral","sentiment_score":0.14500213265419007},{"text":"You can still access it.","start":1500.0299,"end":1501.39,"sentiment":"neutral","sentiment_score":0.17226456701755524}],"sentiment":"neutral","sentiment_score":0.12614134561222096,"num_words":77,"start":1464.73,"end":1501.39},{"sentences":[{"text":"There's no limitations.","start":1501.39,"end":1502.2899,"sentiment":"neutral","sentiment_score":0.06865711199740569},{"text":"Anytime within the ten years would reset the ten year period.","start":1503.23,"end":1508.365,"sentiment":"neutral","sentiment_score":0.0194662157446146},{"text":"Does that make sense?","start":1510.105,"end":1511.325,"sentiment":"neutral","sentiment_score":0.08954235818237066},{"text":"Yeah.","start":1512.745,"end":1513.225,"sentiment":"neutral","sentiment_score":0.1678030788898468},{"text":"Okay.","start":1513.225,"end":1513.625,"sentiment":"positive","sentiment_score":0.3561718463897705}],"sentiment":"neutral","sentiment_score":0.06511220335960388,"num_words":20,"start":1501.39,"end":1513.625},{"sentences":[{"text":"Fantastic.","start":1513.625,"end":1514.125,"sentiment":"positive","sentiment_score":0.7084251642227173},{"text":"Beautiful.","start":1516.345,"end":1516.845,"sentiment":"positive","sentiment_score":0.643835723400116},{"text":"So the advantages are owner of it, if, you know, that changes or or, you know, at a certain age, you wanna change that for her.","start":1516.985,"end":1538.1951,"sentiment":"neutral","sentiment_score":0.22411215362640527},{"text":"It is maxed out at 25.","start":1538.415,"end":1540.095,"sentiment":"neutral","sentiment_score":0.17449414481719336},{"text":"I believe I'd need to double check that.","start":1540.095,"end":1542.035,"sentiment":"neutral","sentiment_score":0.09236216405406594}],"sentiment":"neutral","sentiment_score":0.21345331102964424,"num_words":42,"start":1513.625,"end":1542.035},{"sentences":[{"text":"But we you have full ownership control, and you can change the until she reaches age 25.","start":1542.335,"end":1549.5499,"sentiment":"neutral","sentiment_score":0.11328463563147713},{"text":"And your contributions are limited to a 125% of the previous year.","start":1551.2899,"end":1555.77,"sentiment":"neutral","sentiment_score":0.032291097876926265},{"text":"So for example, if you made $1,010,000 dollars one year, and I'm only using this as example because it's easy for my afternoon math brain, You'd be limit thank you.","start":1555.77,"end":1569.085,"sentiment":"neutral","sentiment_score":0.10100064439078173},{"text":"It it means that you'd be limited to make an annual contribution of 12,500 the following year.","start":1569.1449,"end":1575.625,"sentiment":"neutral","sentiment_score":0.04038327362607507},{"text":"So you can't make more than so you are limited.","start":1575.625,"end":1578.64,"sentiment":"neutral","sentiment_score":-0.004847439005970955}],"sentiment":"neutral","sentiment_score":0.06955107643680516,"num_words":86,"start":1542.335,"end":1578.64},{"sentences":[{"text":"So if that's why if you do a regular contribution, it works well because you're not gonna exceed that 125%.","start":1578.64,"end":1586.5801,"sentiment":"neutral","sentiment_score":0.1084825625643134},{"text":"If you do, then the ten year period starts again.","start":1586.8,"end":1589.92,"sentiment":"neutral","sentiment_score":0.030124145187437536},{"text":"So those are the little rules that we talk about in relation to not resetting them.","start":1589.92,"end":1594.395,"sentiment":"neutral","sentiment_score":0.016999315164866857},{"text":"It enables a long term investment for Mila.","start":1596.9349,"end":1599.9149,"sentiment":"neutral","sentiment_score":0.19095144234597683},{"text":"The the warnings are always in investing is, you know, it's it's subject to market risk, so volatility, which we've discussed, interest rate risk, so, you know, how interest rates are sorry.","start":1603.815,"end":1622.925,"sentiment":"neutral","sentiment_score":-0.09917318215593696}],"sentiment":"neutral","sentiment_score":0.012755249483445875,"num_words":86,"start":1578.64,"end":1622.925},{"sentences":[{"text":"Lost my train of thought.","start":1623.005,"end":1624.125,"sentiment":"neutral","sentiment_score":-0.2953652560710907},{"text":"US or Australian, for example, when they do their interest rate changes and it can impact the market, you know, it can impact the portfolio, investment manager risk, and so on.","start":1624.125,"end":1635.645,"sentiment":"neutral","sentiment_score":-0.10184831857200592},{"text":"So there's there's risks throughout the portfolio, but as long as you're aware of those, it goes into a bit more detail.","start":1635.645,"end":1643.98,"sentiment":"neutral","sentiment_score":-0.04000490916554223},{"text":"We did consider investing in a bank account.","start":1645.72,"end":1647.9,"sentiment":"neutral","sentiment_score":-0.0074815250700339675},{"text":"The rate of return is not great.","start":1649.48,"end":1652.965,"sentiment":"neutral","sentiment_score":-0.14507448407156126}],"sentiment":"neutral","sentiment_score":-0.09026857187384613,"num_words":73,"start":1623.005,"end":1652.965},{"sentences":[{"text":"So that was discounted.","start":1653.265,"end":1655.125,"sentiment":"neutral","sentiment_score":-0.16214700229465961},{"text":"Yeah.","start":1660.225,"end":1660.725,"sentiment":"neutral","sentiment_score":-0.11457909643650056},{"text":"Yeah.","start":1661.585,"end":1662.085,"sentiment":"neutral","sentiment_score":-0.01733727753162384},{"text":"Yep.","start":1662.7849,"end":1663.2849,"sentiment":"neutral","sentiment_score":0.07317513972520828},{"text":"I have these for my children, so I'm not I'm not saying for example, I'm not I am practicing what I preach, basically.","start":1664.14,"end":1672.0,"sentiment":"neutral","sentiment_score":0.06874514160596806}],"sentiment":"neutral","sentiment_score":0.02912696711719036,"num_words":30,"start":1653.265,"end":1672.0},{"sentences":[{"text":"So I believe in them.","start":1673.74,"end":1676.055,"sentiment":"neutral","sentiment_score":0.20810144245624543},{"text":"And as I mentioned, we also considered an IDPS account, which is an investment account similar to your hub 24, but not super, and the reasons why we discounted that.","start":1676.775,"end":1686.875,"sentiment":"neutral","sentiment_score":0.048928482457995415},{"text":"The recommended investments within that child bond on pay outlined on page 34 is the Vanguard conservative portfolio.","start":1689.015,"end":1697.64,"sentiment":"neutral","sentiment_score":0.14527333403627077},{"text":"So that's 10% we would want in defensive assets with your growth assets being generation life tax effective Australian share fund and the Hyperion Global Growth Companies Fund.","start":1697.7,"end":1709.585,"sentiment":"neutral","sentiment_score":0.15669081040791102},{"text":"So that's your international and Australian exposure right there.","start":1709.585,"end":1714.485,"sentiment":"neutral","sentiment_score":0.09067519919739829}],"sentiment":"neutral","sentiment_score":0.11474112425413396,"num_words":90,"start":1673.74,"end":1714.485},{"sentences":[{"text":"So the next page is cash flow outcomes on page 35.","start":1717.345,"end":1722.3501,"sentiment":"neutral","sentiment_score":0.1349859210577878},{"text":"This will show you if you do proceed with the advice.","start":1722.9701,"end":1727.93,"sentiment":"neutral","sentiment_score":0.17573028125546195},{"text":"Again, a visual to make it nice and easy because there is a lot in these documents.","start":1727.93,"end":1732.43,"sentiment":"neutral","sentiment_score":0.15878561643116615},{"text":"We estimated a $300 a week surplus, which, again, if that's incorrect, please advise.","start":1734.17,"end":1740.105,"sentiment":"neutral","sentiment_score":-0.031482214108109474},{"text":"But the the total of the recommendations for the cost, so you've got your salary sacrifice, the bond contribution for Mila, and the and then build your your super investment portfolio.","start":1742.405,"end":1764.145,"sentiment":"neutral","sentiment_score":0.11087977681909839}],"sentiment":"neutral","sentiment_score":0.10849709272207249,"num_words":84,"start":1717.345,"end":1764.145},{"sentences":[{"text":"It still leaves you with a surplus cash flow of around 12,600.","start":1765.885,"end":1770.145,"sentiment":"positive","sentiment_score":0.4127432530124982},{"text":"So I we just like to put in those little visuals to make sure that you can make an informed decision.","start":1772.6051,"end":1778.37,"sentiment":"positive","sentiment_score":0.336919509938785},{"text":"And finally, the last ones are for you to establish a will, which we talked about, and a power of attorney, which we talked about.","start":1781.07,"end":1792.375,"sentiment":"neutral","sentiment_score":0.08395720303058624},{"text":"These sections of the document just outline what we did discuss previously in the review, why they're important, especially with Mila being a minor.","start":1792.835,"end":1805.2799,"sentiment":"neutral","sentiment_score":0.04634916875511408},{"text":"And any to make sure that she's if anything was happened to you, both you and Tyrone at the same time, that she's not taken advantage of financially and so on.","start":1807.26,"end":1818.745,"sentiment":"neutral","sentiment_score":-0.035032846078637145}],"sentiment":"neutral","sentiment_score":0.1252523950647266,"num_words":113,"start":1765.885,"end":1818.745},{"sentences":[{"text":"So they're they're important documents for you and Tyrone to get established.","start":1818.745,"end":1822.525,"sentiment":"neutral","sentiment_score":0.17671234905719757},{"text":"He's got oh, good.","start":1824.585,"end":1827.085,"sentiment":"neutral","sentiment_score":0.16330843325704336},{"text":"Did I I did send you through the the ref did I send you through the brochure?","start":1827.3049,"end":1831.465,"sentiment":"neutral","sentiment_score":0.10703583938233993},{"text":"I'm just actually having a quick look if I did do that.","start":1831.465,"end":1837.2101,"sentiment":"neutral","sentiment_score":0.0736386493469278},{"text":"Yep.","start":1837.27,"end":1837.67,"sentiment":"neutral","sentiment_score":0.13136878609657288}],"sentiment":"neutral","sentiment_score":0.12192225585813107,"num_words":46,"start":1818.745,"end":1837.67},{"sentences":[{"text":"That's okay.","start":1837.67,"end":1838.2301,"sentiment":"neutral","sentiment_score":0.22826846688985825},{"text":"Well, I maybe if you want me to, I can help I can do an introduction of some kind.","start":1838.2301,"end":1843.8301,"sentiment":"neutral","sentiment_score":0.12460194841811531},{"text":"It's up to you.","start":1843.8301,"end":1844.89,"sentiment":"neutral","sentiment_score":0.11963904835283756},{"text":"But probably something or maybe speak to Tyrone and see if he can have a similar one established through who helped him, if you like.","start":1845.375,"end":1856.915,"sentiment":"neutral","sentiment_score":0.09189613357186317},{"text":"Yeah.","start":1857.215,"end":1857.715,"sentiment":"neutral","sentiment_score":0.06538335233926773}],"sentiment":"neutral","sentiment_score":0.11108464389747265,"num_words":51,"start":1837.67,"end":1857.715},{"sentences":[{"text":"Yeah.","start":1859.7999,"end":1860.2999,"sentiment":"neutral","sentiment_score":0.09117771685123444},{"text":"Definitely.","start":1860.84,"end":1861.34,"sentiment":"neutral","sentiment_score":0.16642074286937714},{"text":"Yeah.","start":1862.44,"end":1862.6,"sentiment":"neutral","sentiment_score":0.1399572789669037},{"text":"It's important both of you have one in place.","start":1862.6,"end":1864.76,"sentiment":"neutral","sentiment_score":0.1464828865395652},{"text":"Definitely.","start":1864.76,"end":1865.26,"sentiment":"neutral","sentiment_score":0.16556359827518463}],"sentiment":"neutral","sentiment_score":0.14472810121682975,"num_words":13,"start":1859.7999,"end":1865.26},{"sentences":[{"text":"Okay.","start":1867.96,"end":1868.46,"sentiment":"neutral","sentiment_score":0.0735442265868187},{"text":"Then on page 41 is the ongoing services.","start":1869.0,"end":1874.155,"sentiment":"neutral","sentiment_score":0.051145854871720076},{"text":"So we'll continue to meet with you on your reviews.","start":1874.375,"end":1878.635,"sentiment":"neutral","sentiment_score":0.10466170012950897},{"text":"We'll review your portfolio, your insurances.","start":1879.415,"end":1883.355,"sentiment":"neutral","sentiment_score":0.06248773944874605},{"text":"Sorry.","start":1886.055,"end":1886.375,"sentiment":"neutral","sentiment_score":-0.04324975237250328}],"sentiment":"neutral","sentiment_score":0.07157710581444778,"num_words":26,"start":1867.96,"end":1886.375},{"sentences":[{"text":"Excuse me.","start":1886.375,"end":1887.275,"sentiment":"neutral","sentiment_score":-0.07582334242761135},{"text":"And, obviously, you can speak to us any at any time when when you need to seek advice or if you've got any questions.","start":1887.6,"end":1894.66,"sentiment":"neutral","sentiment_score":0.046256629672522344},{"text":"Important information.","start":1897.52,"end":1898.5,"sentiment":"positive","sentiment_score":0.3537875562906265},{"text":"The next step is just to make sure you fully understand the advice in this plan.","start":1898.7999,"end":1902.905,"sentiment":"neutral","sentiment_score":0.15880053397268057},{"text":"So even though you have the opportunity to sign today, I do encourage you to have a read of it before you do to make sure because sometimes, you know, this is information overload, and sometimes questions will come to you after the fact.","start":1903.4451,"end":1917.41,"sentiment":"neutral","sentiment_score":0.07584176974540408}],"sentiment":"neutral","sentiment_score":0.0857265221844004,"num_words":88,"start":1886.375,"end":1917.41},{"sentences":[{"text":"And you're calling off right, so you've got a fourteen day calling off period to cancel any insurance policy investment or product super fund if you do proceed.","start":1920.03,"end":1927.41,"sentiment":"neutral","sentiment_score":-0.1793447450867721},{"text":"Within this document that has been sent to you are all the PDFs.","start":1929.025,"end":1932.805,"sentiment":"neutral","sentiment_score":0.02147684618830681},{"text":"So that will be the PDF for hub twenty four, the PDF for MetLife, who's the trauma provider, and the PDF for generation life for Life for the investment bond.","start":1933.025,"end":1945.72,"sentiment":"neutral","sentiment_score":0.017242196016013622},{"text":"So they're the product disclosure statements to make sure that you can access the information.","start":1945.72,"end":1950.86,"sentiment":"neutral","sentiment_score":0.0029695254440108934},{"text":"And the next the next document oh, sorry.","start":1952.12,"end":1955.8,"sentiment":"neutral","sentiment_score":-0.015393518842756748}],"sentiment":"neutral","sentiment_score":-0.04578503458067141,"num_words":94,"start":1920.03,"end":1955.8},{"sentences":[{"text":"Next document.","start":1955.8,"end":1956.4401,"sentiment":"neutral","sentiment_score":-0.013937801122665405},{"text":"The next page is this will go over remuneration.","start":1956.4401,"end":1960.655,"sentiment":"neutral","sentiment_score":-0.014598367114861807},{"text":"So this is fees for us.","start":1960.875,"end":1962.975,"sentiment":"neutral","sentiment_score":-0.02770975635697444},{"text":"So you'll see from an implementation perspective, there is zero from the investment bond and the super balance.","start":1963.435,"end":1972.495,"sentiment":"neutral","sentiment_score":-0.0011419308268361622},{"text":"And the MetLife insurance, we are paid by commission through MetLife for insurance policies.","start":1973.99,"end":1979.51,"sentiment":"neutral","sentiment_score":0.02020479552447796}],"sentiment":"neutral","sentiment_score":-0.0012899400400263922,"num_words":49,"start":1955.8,"end":1979.51},{"sentences":[{"text":"So that's MetLife paying us that $550, not yourself.","start":1979.51,"end":1983.9299,"sentiment":"neutral","sentiment_score":0.009751545161836676},{"text":"The next page is the ongoing remuneration.","start":1986.6449,"end":1989.1449,"sentiment":"neutral","sentiment_score":-0.020283387175628116},{"text":"So, again, same as we'd already talked about with your super balance, it's fixed at 1.65%, which shows you the the dollar figure in the right hand column.","start":1989.5249,"end":2003.39,"sentiment":"neutral","sentiment_score":0.013595284594755088},{"text":"Yeah.","start":2003.85,"end":2004.35,"sentiment":"neutral","sentiment_score":0.011341440491378307},{"text":"What we do with the investment bonds, we usually charge a $750 fee upfront to establish those.","start":2004.65,"end":2011.61,"sentiment":"neutral","sentiment_score":-0.041571807554539514}],"sentiment":"neutral","sentiment_score":-0.005950501984766414,"num_words":62,"start":1979.51,"end":2011.61},{"sentences":[{"text":"But given that would take up a significant amount of your initial investment, we've waived that, and we're gonna charge 1.1% of the investment balance ongoing instead.","start":2011.61,"end":2023.3849,"sentiment":"neutral","sentiment_score":-0.08301508412868888},{"text":"So for the first couple of years, it's gonna be around the $25 mark annually.","start":2023.7649,"end":2027.8601,"sentiment":"neutral","sentiment_score":-0.02098199079434077},{"text":"And as the balance increases, that would that fee would obviously increase as well, but we would keep reviewing that and touching in every year to see if there are any changes when that needs to be made.","start":2029.76,"end":2042.725,"sentiment":"neutral","sentiment_score":-0.06930656917393208},{"text":"Because at a certain point, that may be changed to a $6 fee or something different.","start":2042.725,"end":2048.985,"sentiment":"neutral","sentiment_score":-0.11484181974083185},{"text":"And and then the 22% of the premium, again, is paid by MetLife.","start":2050.645,"end":2054.805,"sentiment":"neutral","sentiment_score":0.20384248747275427}],"sentiment":"neutral","sentiment_score":-0.040158748079877384,"num_words":109,"start":2011.61,"end":2054.805},{"sentences":[{"text":"So that's in an ongoing basis.","start":2054.805,"end":2056.73,"sentiment":"neutral","sentiment_score":0.1970565840601921},{"text":"So for the advice provided, we'd get two we would receive $2,042 approximately per annum, a combination from your super insurance premium and the investment bonds.","start":2057.27,"end":2067.6472,"sentiment":"neutral","sentiment_score":0.11176946458335106},{"text":"Does that make sense?","start":2067.6472,"end":2068.25,"sentiment":"neutral","sentiment_score":0.13141177035868168},{"text":"Types of recommendations types of recommendations being made.","start":2069.625,"end":2087.0898,"sentiment":"neutral","sentiment_score":0.11483501992188394},{"text":"Again, the remuneration, so it summarizes it again for you.","start":2088.27,"end":2092.05,"sentiment":"positive","sentiment_score":0.3647961586713791}],"sentiment":"neutral","sentiment_score":0.1700117483528124,"num_words":54,"start":2054.805,"end":2092.05},{"sentences":[{"text":"How to implement the advice?","start":2093.63,"end":2095.49,"sentiment":"neutral","sentiment_score":0.2623775750398636},{"text":"So that is you'll see that it says Amy slash Oakview a few times.","start":2095.95,"end":2102.225,"sentiment":"neutral","sentiment_score":0.2296960460288184},{"text":"So it will be we'll we'll be working with you to implement the advice.","start":2102.225,"end":2107.365,"sentiment":"positive","sentiment_score":0.3494034271155085},{"text":"And then the next section is where you sign should you wish to proceed.","start":2109.105,"end":2113.8599,"sentiment":"neutral","sentiment_score":0.12664021977356502},{"text":"Now I think an important part here when you do, what with what you decide, you'll see a box that has an area for you to free type above please sign below.","start":2114.32,"end":2128.9348,"sentiment":"neutral","sentiment_score":0.17710621166042984}],"sentiment":"neutral","sentiment_score":0.21341319429346278,"num_words":79,"start":2093.63,"end":2128.9348},{"sentences":[{"text":"If there's any part of the advice that you want to change or you don't wanna proceed with, you just type it there.","start":2129.4749,"end":2136.035,"sentiment":"neutral","sentiment_score":-0.006040961603107659},{"text":"So for example, if you wanna go with everything except sacrifice, you'd say, please proceed with all advice, but not sacrifice, for example.","start":2136.035,"end":2147.53,"sentiment":"neutral","sentiment_score":0.018238755185966907},{"text":"So so that's where you give the directions to us as to what you wish to to go ahead with.","start":2147.67,"end":2154.01,"sentiment":"neutral","sentiment_score":0.1911356583237648},{"text":"If you wanna proceed with all of it, you just sign the document.","start":2155.1099,"end":2158.105,"sentiment":"neutral","sentiment_score":0.11886442166108352},{"text":"The next one, very, very briefly, is the appendices.","start":2160.005,"end":2165.945,"sentiment":"neutral","sentiment_score":0.1009208353029357}],"sentiment":"neutral","sentiment_score":0.0745089479341087,"num_words":88,"start":2129.4749,"end":2165.945},{"sentences":[{"text":"So we use you should see appendix to statement of advice.","start":2167.125,"end":2170.345,"sentiment":"neutral","sentiment_score":0.06038676066832109},{"text":"That will cover off your it's just some bay where we put the basic information.","start":2174.3801,"end":2181.04,"sentiment":"neutral","sentiment_score":0.08907263725996017},{"text":"So there it'll give you a breakdown of the risk profile of how we you'll see that in a high growth investor again, the breakdown of where you'd say 35% typically in Australian shares, 55 in international shares, which we covered earlier.","start":2181.1802,"end":2197.375,"sentiment":"neutral","sentiment_score":0.06679090857505798},{"text":"The on page oh, sorry.","start":2199.78,"end":2202.4202,"sentiment":"neutral","sentiment_score":0.05781096927821636},{"text":"The next section, important relationships and information.","start":2202.4202,"end":2205.1602,"sentiment":"neutral","sentiment_score":0.06731305058513369}],"sentiment":"neutral","sentiment_score":0.06957260358612985,"num_words":80,"start":2167.125,"end":2205.1602},{"sentences":[{"text":"The important parts here is that the content in the SOA is based on the information you've provided us.","start":2206.4202,"end":2211.7002,"sentiment":"neutral","sentiment_score":0.15191395776836494},{"text":"So I've taken as many reasonable steps as possible to ensure that it it is the advice provided is in line with your personal financial situation.","start":2211.7002,"end":2221.215,"sentiment":"neutral","sentiment_score":0.30862746846217376},{"text":"The SOA itself is valid from sixty days from yesterday.","start":2224.155,"end":2227.96,"sentiment":"neutral","sentiment_score":0.2081391468644142},{"text":"So once we once it passes that sixty days, we do need to start the process again.","start":2228.74,"end":2234.44,"sentiment":"neutral","sentiment_score":0.20243934761075413},{"text":"So we just make everyone aware of that just because financial you know, situations can change, and sixty days just tries to make ensure it remains as current as possible.","start":2234.74,"end":2246.6348,"sentiment":"neutral","sentiment_score":0.06069905565430721}],"sentiment":"neutral","sentiment_score":0.17896579828697676,"num_words":102,"start":2206.4202,"end":2246.6348},{"sentences":[{"text":"The products recommended are appropriate to you.","start":2249.335,"end":2252.3948,"sentiment":"neutral","sentiment_score":0.29156201013496946},{"text":"You know?","start":2252.775,"end":2253.335,"sentiment":"neutral","sentiment_score":0.09714006632566452},{"text":"However, there's no guarantee on performance or stability as we've touched on and I'm sure you're aware of.","start":2253.335,"end":2259.39,"sentiment":"neutral","sentiment_score":0.03871952204240693},{"text":"But we the purpose of our reviews is to make sure that we stay on top of those things.","start":2259.45,"end":2265.8499,"sentiment":"neutral","sentiment_score":0.20295250062879763},{"text":"So that's why those annual reviews are pretty important.","start":2265.8499,"end":2268.3499,"sentiment":"neutral","sentiment_score":0.20880128774378034}],"sentiment":"neutral","sentiment_score":0.15759044912728395,"num_words":55,"start":2249.335,"end":2268.3499},{"sentences":[{"text":"The and then it just covers off on a few details like tax.","start":2271.015,"end":2275.4949,"sentiment":"neutral","sentiment_score":0.07277251264223686},{"text":"We've, you know, we've made every effort to make sure the taxes considered as much as possible.","start":2275.4949,"end":2280.715,"sentiment":"neutral","sentiment_score":0.06695295914131053},{"text":"Projections are based on quite conservative figures, So we don't like to inflate them.","start":2281.255,"end":2289.41,"sentiment":"neutral","sentiment_score":-0.19617584134851182},{"text":"So because they're not realistic.","start":2289.41,"end":2291.99,"sentiment":"neutral","sentiment_score":-0.3186174914240837},{"text":"Yep.","start":2293.41,"end":2293.91,"sentiment":"neutral","sentiment_score":0.05644995719194412}],"sentiment":"neutral","sentiment_score":-0.04397712618112564,"num_words":50,"start":2271.015,"end":2293.91},{"sentences":[{"text":"Yep.","start":2294.61,"end":2295.01,"sentiment":"neutral","sentiment_score":0.08196289837360382},{"text":"So and then you've got your investment PDSs.","start":2295.01,"end":2297.67,"sentiment":"neutral","sentiment_score":0.09390741214156151},{"text":"So in this document that you've got attached following is your hub 24 MetLife and investment generation life PDSs.","start":2297.905,"end":2309.3652,"sentiment":"neutral","sentiment_score":0.12269425078442223},{"text":"This section of the SAOA will just give you links to the underlying investments that we've made a recommendation to.","start":2309.905,"end":2316.6802,"sentiment":"neutral","sentiment_score":0.12443264499306679},{"text":"So they all have their own relevant product disclosure statements.","start":2316.6802,"end":2319.8,"sentiment":"neutral","sentiment_score":0.11431406959891319}],"sentiment":"neutral","sentiment_score":0.11717597510794113,"num_words":58,"start":2294.61,"end":2319.8},{"sentences":[{"text":"So that's a link to all of those for you.","start":2319.8,"end":2322.2202,"sentiment":"neutral","sentiment_score":0.20142142474651337},{"text":"Nearly there.","start":2325.315,"end":2326.375,"sentiment":"positive","sentiment_score":0.3426789194345474},{"text":"And but the next page is your investment returns.","start":2328.115,"end":2330.915,"sentiment":"neutral","sentiment_score":0.09341147583391932},{"text":"So this is if you were to do in the SOA, it shows you your projected returns over the five and ten years, including a salary sacrifice recommendation.","start":2330.915,"end":2340.6,"sentiment":"neutral","sentiment_score":0.09623601061425038},{"text":"This one here is the alternative just so you've got the information again to make an informed decision if you were to do no salary sacrifice so you can compare those five and ten year benefits and and what it's worth in the long run.","start":2341.2202,"end":2356.125,"sentiment":"neutral","sentiment_score":0.15669982938302887}],"sentiment":"neutral","sentiment_score":0.14134442540717887,"num_words":94,"start":2319.8,"end":2356.125},{"sentences":[{"text":"Yep.","start":2356.185,"end":2356.685,"sentiment":"neutral","sentiment_score":0.16307727992534635},{"text":"That and the next two pages, it just explain, you know, investment return methodology.","start":2358.505,"end":2363.165,"sentiment":"neutral","sentiment_score":0.14239466935396194},{"text":"So how we how we calculate the returns in a conservative nature.","start":2363.465,"end":2371.52,"sentiment":"neutral","sentiment_score":0.1778766723970572},{"text":"And then the the next page is life insurance through superannuation.","start":2371.9001,"end":2376.08,"sentiment":"neutral","sentiment_score":0.09554305562580173},{"text":"So just general information that you've covered off on previously because you've got your life and TPD in life TPD and income protection in your superannuation fund already.","start":2376.46,"end":2389.335,"sentiment":"neutral","sentiment_score":0.0958772881754807}],"sentiment":"neutral","sentiment_score":0.12161606667337543,"num_words":66,"start":2356.185,"end":2389.335},{"sentences":[{"text":"Just quickly, any questions?","start":2392.195,"end":2395.52,"sentiment":"neutral","sentiment_score":0.0734308734536171},{"text":"No.","start":2396.62,"end":2397.12,"sentiment":"neutral","sentiment_score":-0.10534276068210602},{"text":"I completely understand.","start":2401.74,"end":2403.52,"sentiment":"neutral","sentiment_score":0.10695510357618332},{"text":"I completely understand.","start":2403.82,"end":2404.86,"sentiment":"neutral","sentiment_score":0.0738842599093914},{"text":"So once you have had a chance oh, that's fine.","start":2404.86,"end":2409.4849,"sentiment":"neutral","sentiment_score":0.03293014653027058}],"sentiment":"neutral","sentiment_score":0.0504857280424663,"num_words":21,"start":2392.195,"end":2409.4849},{"sentences":[{"text":"That's all.","start":2409.4849,"end":2410.2249,"sentiment":"neutral","sentiment_score":0.20643659681081772},{"text":"Absolutely.","start":2410.765,"end":2411.085,"sentiment":"positive","sentiment_score":0.35019949078559875},{"text":"That's fine.","start":2411.085,"end":2411.825,"sentiment":"positive","sentiment_score":0.36670204997062683},{"text":"Once you go through it, if you've got any questions, feel free to give me a call, send me an email, whatever method is best for you.","start":2413.325,"end":2421.8801,"sentiment":"neutral","sentiment_score":0.1816497246424357},{"text":"And I'll just briefly touch on the other documents within the email you've received.","start":2423.06,"end":2427.86,"sentiment":"neutral","sentiment_score":0.10347489267587662}],"sentiment":"neutral","sentiment_score":0.17064495319905487,"num_words":46,"start":2409.4849,"end":2427.86},{"sentences":[{"text":"You've got our financial services guide again, which you received recently in our review.","start":2427.86,"end":2433.8,"sentiment":"neutral","sentiment_score":0.09992576017975807},{"text":"You have the hub 24 PDSs enclosed along with the generation life investment options PDF and the MetLife insurance PDF.","start":2435.665,"end":2450.18,"sentiment":"neutral","sentiment_score":0.05826762616634369},{"text":"So they're really helpful to look at for if you wanted to have a look at what the trauma policy will cover you, what definitions, have a look at the MetLife PDF under trauma, and you'll see, for example, some of those conditions or diagnoses, we should say, where you would be covered.","start":2451.04,"end":2468.355,"sentiment":"neutral","sentiment_score":0.04565225492389697},{"text":"Yeah.","start":2470.5752,"end":2471.0752,"sentiment":"neutral","sentiment_score":0.0152712631970644},{"text":"Sorry for we're talking a lot.","start":2472.2551,"end":2475.6501,"sentiment":"neutral","sentiment_score":-0.11464400341113408}],"sentiment":"neutral","sentiment_score":0.04586478637808815,"num_words":94,"start":2427.86,"end":2475.6501},{"sentences":[{"text":"I know there's a lot of information.","start":2475.6501,"end":2477.1902,"sentiment":"neutral","sentiment_score":-0.03556435448782785},{"text":"Oh, no.","start":2478.53,"end":2479.1702,"sentiment":"neutral","sentiment_score":-0.1756945624947548},{"text":"No.","start":2479.1702,"end":2479.6702,"sentiment":"neutral","sentiment_score":-0.17141316831111908},{"text":"Not at all.","start":2479.7302,"end":2480.37,"sentiment":"neutral","sentiment_score":-0.1792763570944468},{"text":"Not at all.","start":2480.37,"end":2481.1902,"sentiment":"neutral","sentiment_score":-0.14739521344502768}],"sentiment":"neutral","sentiment_score":-0.10948546789586544,"num_words":16,"start":2475.6501,"end":2481.1902},{"sentences":[{"text":"I know that there's a lot of information there to digest.","start":2481.33,"end":2484.2302,"sentiment":"neutral","sentiment_score":-0.055850330062887886},{"text":"So please, again, if you have any any questions after having a read through it, just reach out, and I will make contact with your preferred method, and we can go through them.","start":2484.29,"end":2497.325,"sentiment":"neutral","sentiment_score":0.07664411266644795},{"text":"Nope.","start":2500.745,"end":2501.145,"sentiment":"neutral","sentiment_score":0.1870727986097336},{"text":"You are absolutely welcome.","start":2501.145,"end":2502.585,"sentiment":"positive","sentiment_score":0.42508673667907715},{"text":"I hope that that it doesn't put you to sleep whilst reading it.","start":2502.585,"end":2506.35,"sentiment":"neutral","sentiment_score":0.20455957719912896}],"sentiment":"neutral","sentiment_score":0.10421929574541507,"num_words":62,"start":2481.33,"end":2506.35},{"sentences":[{"text":"Alright.","start":2509.93,"end":2510.43,"sentiment":"positive","sentiment_score":0.5718331336975098},{"text":"Fantastic.","start":2510.6501,"end":2511.1501,"sentiment":"positive","sentiment_score":0.854751706123352},{"text":"Did you want me to give you a follow-up in any period of time, or are you you are okay to read and then come back to me?","start":2511.69,"end":2518.015,"sentiment":"neutral","sentiment_score":0.14642361045948096},{"text":"Okay.","start":2521.595,"end":2521.835,"sentiment":"positive","sentiment_score":0.3606511354446411},{"text":"Beautiful.","start":2521.835,"end":2522.335,"sentiment":"positive","sentiment_score":0.6824066638946533}],"sentiment":"neutral","sentiment_score":0.20529699162580073,"num_words":32,"start":2509.93,"end":2522.335},{"sentences":[{"text":"Okay.","start":2529.1948,"end":2529.6948,"sentiment":"neutral","sentiment_score":0.14282667636871338},{"text":"Alright.","start":2529.755,"end":2530.255,"sentiment":"neutral","sentiment_score":0.2051132172346115},{"text":"That's that's absolutely fine.","start":2530.315,"end":2532.0398,"sentiment":"positive","sentiment_score":0.5848238170146942},{"text":"Well, thank you so much for your time, Amy.","start":2532.0398,"end":2534.1199,"sentiment":"positive","sentiment_score":0.7553143898646036},{"text":"And, hopefully, I can let you go so you can get off the street and go do what you gotta do next.","start":2534.1199,"end":2540.6199,"sentiment":"positive","sentiment_score":0.504058876498179}],"sentiment":"positive","sentiment_score":0.5560637825244182,"num_words":37,"start":2529.1948,"end":2540.6199},{"sentences":[{"text":"Yeah.","start":2542.2,"end":2542.7,"sentiment":"positive","sentiment_score":0.37918820977211},{"text":"You too, Amy.","start":2544.6729,"end":2545.5527,"sentiment":"positive","sentiment_score":0.5343094865481058},{"text":"Enjoy.","start":2545.5527,"end":2546.0527,"sentiment":"positive","sentiment_score":0.6014961004257202},{"text":"Bye.","start":2547.6328,"end":2548.1328,"sentiment":"positive","sentiment_score":0.33908355236053467}],"sentiment":"positive","sentiment_score":0.4871160537004471,"num_words":6,"start":2542.2,"end":2548.1328}]}}]},{"alternatives":[{"transcript":"Hello? Yes. It is. Oh, hello. How are you? Yeah. Not too bad. Mhmm. Yeah. That's fine. Yeah. It's Amy Lee Flux. My date of birth is the 10/13/1989, and my address is Unit 4898 Nicholson Street, Futurin North. It's okay. Yep. Yeah. That's okay. I'm just finishing work, so that is fine. Yep. Yeah. No worries. Mhmm. Yep. Yeah. I should do. I just got a sorry. Just locking a lock, and I'll open it up. One second. Go sign. Okay. Alright. There it is. Oh, what have I done? I'm sorry. Yep. Yep. Okay. We've got the slowest Internet in the world here today. So sorry. Okay. Here it is. Yep. Yep. That's right. Mhmm. Yep. Yep. Mhmm. Mhmm. Yep. Cool. Mhmm. Yep. Mhmm. Yep. Yep. Yep. Mhmm. Yep. Yep. Yes. Mhmm. Yep. Okay. Sure. Yep. Yep. Yep. Okay. Yep. Yep. Mhmm. Yeah. Yeah. Yeah. Yeah. Yep. Okay. Yep. Yep. Yep. Yeah. Okay. Yep. Mhmm. Yeah. Yeah. Yep. Yes. Yeah. Okay. Okay. Yep. That love that. Yep. Okay. Yep. Mhmm. Yep. Yep. Yeah. Yeah. Oh, sorry. Yeah. I'm just, yeah, just locking up my shed. No. No. No. That's okay. Yep. Yes. Okay. Yes. Yeah. No worries. Yeah. Okay. Yeah. No. All good. It's making sense so far. Mhmm. Yep. Yes. Okay. Yep. Yeah. Yeah. Yep. Cool. Okay. Mhmm. Yep. Yep. Okay. Okay. Mhmm. Yeah. Mhmm. Mhmm. Okay. Yep. Okay. No. That makes sense. Looking at that, and that's all good. Yep. Yep. Yes. Mhmm. Yeah. Yep. Okay. Yeah. It does. It's good to have a visual for sure. Yeah. Yeah. Mhmm. Yep. Yes. Yeah. Mhmm. Yep. Yep. Yes. Yeah. Yeah. Cool. Yep. Yeah. It seems like when you when you think about it over a year, like, well, whatever. That's fine. Yeah. Yeah. Right. Yeah. Yeah. Cool. Yeah. Cool. For sure. Yeah. Yeah. Yes. Yeah. Cool. No. That's good. That's fine. Yep. Yep. Yeah. Yes. Yeah. Yeah. Right. Yes. Yeah. Yeah. Cool. Yes. Yes. Thank you. Yep. Yeah. Yep. Yeah. Yes. Okay. No. That's all good. Yep. Mhmm. Yep. Okay. Yep. Okay. Yep. Alright. Yes. Okay. Mhmm. Yep. Okay. Right. Yep. Yeah. Okay. That makes sense. Okay. Yep. Yep. Yeah. It does. Yeah. Yes. Yep. Okay. Yeah. That's fine. It helps the work to me. Okay. Yep. Yeah. Yeah. Cool. Yeah. Yeah. Okay. Yes. Yeah. Yeah. Yep. Okay. Yeah. That's what I that because I was like, maybe I should and I was like, no. That's just gonna be sitting there and doing not very much for such a long time. They might have yeah. Yeah. Yeah. Yes. Yeah. Yes. Yes. Yes. Yeah. Yep. Yep. Yep. Cool. Yeah. Yeah. For sure. Yep. Yes. Yep. Yeah. Yep. He's got one. He's better at this stuff than me. I I'm sure I browsed it briefly. Yeah. Yeah. Yeah. I might chat to him and see. Yeah. Yeah. Yeah. That's all. Yep. Yeah. Amazing. Yes. Yes. Yep. Yep. Mhmm. Yep. Yep. Yeah. Yep. Yep. Yep. Yep. Okay. Yep. Okay. Cool. Yeah. Cool. Thank you. Yep. Yep. Okay. It does. Yeah. Yep. Yep. Okay. Cool. Yeah. Mhmm. Okay. Yeah. Okay. Alright. Right. Thank you. Yep. Mhmm. Yep. Yes. Yep. Yep. Mhmm. Yes. Possible? Yep. Yeah. Yeah. Cool. Yes. Yes. Yep. Yep. Awesome. Amazing. Yep. Mhmm. Okay. Yep. Yeah. Yes. Amazing. Yeah. Cool. No. That's all good. I'm gonna have to sit down and look through it all when I'm not on the street with all this traffic, though, but that's okay. Sorry if you can hear, like, motorbikes and stuff going through. Oh my god. Yeah. Sure. Yep. Yep. Mhmm. Yeah. Yeah. Cool. Oh, that's okay. I bet you're tired after a long day. Yep. Awesome. Thank you so much. It'll be okay. It'll be fine. Cool. I'll read it through. And then if I got any questions, I'll give you a call. But, yeah, it should be fine. But I'll be in touch if I'm confused or lost or anything like that. Okay. Going to a quiet place. Thank you very much, Jenna. Have a good afternoon. 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Yes. It is. Oh, hello. How are you?\n\nYeah. Not too bad. Mhmm. Yeah. That's fine.\n\nYeah. It's Amy Lee Flux. My date of birth is the 10/13/1989, and my address is Unit 4898 Nicholson Street, Futurin North. It's okay. Yep.\n\nYeah. That's okay. I'm just finishing work, so that is fine. Yep. Yeah.\n\nNo worries. Mhmm. Yep. Yeah. I should do.\n\nI just got a sorry. Just locking a lock, and I'll open it up. One second. Go sign. Okay.\n\nAlright. There it is. Oh, what have I done? I'm sorry. Yep.\n\nYep. Okay. We've got the slowest Internet in the world here today. So sorry. Okay.\n\nHere it is. Yep. Yep. That's right. Mhmm.\n\nYep. Yep. Mhmm. Mhmm. Yep.\n\nCool. Mhmm. Yep. Mhmm. Yep.\n\nYep. Yep. Mhmm. Yep. Yep.\n\nYes. Mhmm. Yep. Okay. Sure.\n\nYep. Yep. Yep. Okay. Yep.\n\nYep. Mhmm. Yeah. Yeah. Yeah.\n\nYeah. Yep. Okay. Yep. Yep.\n\nYep. Yeah. Okay. Yep. Mhmm.\n\nYeah. Yeah. Yep. Yes. Yeah.\n\nOkay. Okay. Yep. That love that. Yep.\n\nOkay. Yep. Mhmm. Yep. Yep.\n\nYeah. Yeah. Oh, sorry. Yeah. I'm just, yeah, just locking up my shed.\n\nNo. No. No. That's okay. Yep.\n\nYes. Okay. Yes. Yeah. No worries.\n\nYeah. Okay. Yeah. No. All good.\n\nIt's making sense so far. Mhmm. Yep. Yes. Okay.\n\nYep. Yeah. Yeah. Yep. Cool.\n\nOkay. Mhmm. Yep. Yep. Okay.\n\nOkay. Mhmm. Yeah. Mhmm. Mhmm.\n\nOkay. Yep. Okay. No. That makes sense.\n\nLooking at that, and that's all good. Yep. Yep. Yes. Mhmm.\n\nYeah. Yep. Okay. Yeah. It does.\n\nIt's good to have a visual for sure. Yeah. Yeah. Mhmm. Yep.\n\nYes. Yeah. Mhmm. Yep. Yep.\n\nYes. Yeah. Yeah. Cool. Yep.\n\nYeah. It seems like when you when you think about it over a year, like, well, whatever. That's fine. Yeah. Yeah.\n\nRight. Yeah. Yeah. Cool. Yeah.\n\nCool. For sure. Yeah. Yeah. Yes.\n\nYeah. Cool. No. That's good. That's fine.\n\nYep. Yep. Yeah. Yes. Yeah.\n\nYeah. Right. Yes. Yeah. Yeah.\n\nCool. Yes. Yes. Thank you. Yep.\n\nYeah. Yep. Yeah. Yes. Okay.\n\nNo. That's all good. Yep. Mhmm. Yep.\n\nOkay. Yep. Okay. Yep. Alright.\n\nYes. Okay. Mhmm. Yep. Okay.\n\nRight. Yep. Yeah. Okay. That makes sense.\n\nOkay. Yep. Yep. Yeah. It does.\n\nYeah. Yes. Yep. Okay. Yeah.\n\nThat's fine. It helps the work to me. Okay. Yep. Yeah.\n\nYeah. Cool. Yeah. Yeah. Okay.\n\nYes. Yeah. Yeah. Yep. Okay.\n\nYeah. That's what I that because I was like, maybe I should and I was like, no. That's just gonna be sitting there and doing not very much for such a long time. They might have yeah. Yeah.\n\nYeah. Yes. Yeah. Yes. Yes.\n\nYes. Yeah. Yep. Yep. Yep.\n\nCool. Yeah. Yeah. For sure. Yep.\n\nYes. Yep. Yeah. Yep. He's got one.\n\nHe's better at this stuff than me. I I'm sure I browsed it briefly. Yeah. Yeah. Yeah.\n\nI might chat to him and see. Yeah. Yeah. Yeah. That's all.\n\nYep. Yeah. Amazing. Yes. Yes.\n\nYep. Yep. Mhmm. Yep. Yep.\n\nYeah. Yep. Yep. Yep. Yep.\n\nOkay. Yep. Okay. Cool. Yeah.\n\nCool. Thank you. Yep. Yep. Okay.\n\nIt does. Yeah. Yep. Yep. Okay.\n\nCool. Yeah. Mhmm. Okay. Yeah.\n\nOkay. Alright. Right. Thank you. Yep.\n\nMhmm. Yep. Yes. Yep. Yep.\n\nMhmm. Yes. Possible? Yep. Yeah.\n\nYeah. Cool. Yes. Yes. Yep.\n\nYep. Awesome. Amazing. Yep. Mhmm.\n\nOkay. Yep. Yeah. Yes. Amazing.\n\nYeah. Cool. No. That's all good. I'm gonna have to sit down and look through it all when I'm not on the street with all this traffic, though, but that's okay.\n\nSorry if you can hear, like, motorbikes and stuff going through. Oh my god. Yeah. Sure. Yep.\n\nYep. Mhmm. Yeah. Yeah. Cool.\n\nOh, that's okay. I bet you're tired after a long day. Yep. Awesome. Thank you so much.\n\nIt'll be okay. It'll be fine. Cool. I'll read it through. And then if I got any questions, I'll give you a call.\n\nBut, yeah, it should be fine. But I'll be in touch if I'm confused or lost or anything like that. Okay. Going to a quiet place. Thank you very much, Jenna.\n\nHave a good afternoon. 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all good.","start":2395.17,"end":2396.085,"sentiment":"positive","sentiment_score":0.37961994608243305},{"text":"I'm gonna have to sit down and look through it all when I'm not on the street with all this traffic, though, but that's okay.","start":2396.165,"end":2401.945,"sentiment":"neutral","sentiment_score":-0.07898597814142704}],"sentiment":"neutral","sentiment_score":-0.0023995655919274977,"num_words":31,"start":2390.5298,"end":2401.945},{"sentences":[{"text":"Sorry if you can hear, like, motorbikes and stuff going through.","start":2404.805,"end":2407.525,"sentiment":"neutral","sentiment_score":-0.041683653623543},{"text":"Oh my god.","start":2407.525,"end":2408.345,"sentiment":"neutral","sentiment_score":0.057166573901971184},{"text":"Yeah.","start":2419.6,"end":2420.1,"sentiment":"neutral","sentiment_score":0.1650214642286301},{"text":"Sure.","start":2422.16,"end":2422.66,"sentiment":"neutral","sentiment_score":0.1496967971324921},{"text":"Yep.","start":2432.495,"end":2432.995,"sentiment":"neutral","sentiment_score":0.09273304790258408}],"sentiment":"neutral","sentiment_score":0.007084167124155693,"num_words":17,"start":2404.805,"end":2432.995},{"sentences":[{"text":"Yep.","start":2440.7998,"end":2441.2998,"sentiment":"neutral","sentiment_score":0.058372583240270615},{"text":"Mhmm.","start":2450.175,"end":2450.675,"sentiment":"neutral","sentiment_score":0.04045761749148369},{"text":"Yeah.","start":2456.8726,"end":2457.3726,"sentiment":"neutral","sentiment_score":0.0358511283993721},{"text":"Yeah.","start":2468.85,"end":2469.35,"sentiment":"neutral","sentiment_score":0.06940244138240814},{"text":"Cool.","start":2469.4102,"end":2469.9102,"sentiment":"neutral","sentiment_score":0.0959591343998909}],"sentiment":"neutral","sentiment_score":0.06000858098268509,"num_words":5,"start":2440.7998,"end":2469.9102},{"sentences":[{"text":"Oh, that's okay.","start":2475.97,"end":2476.77,"sentiment":"neutral","sentiment_score":-0.02035819614926974},{"text":"I bet you're tired after a long day.","start":2476.77,"end":2479.27,"sentiment":"neutral","sentiment_score":-0.1844119131565094},{"text":"Yep.","start":2491.355,"end":2491.855,"sentiment":"neutral","sentiment_score":0.05405562371015549},{"text":"Awesome.","start":2497.6401,"end":2498.1401,"sentiment":"positive","sentiment_score":0.5280163288116455},{"text":"Thank you so much.","start":2498.6,"end":2499.82,"sentiment":"positive","sentiment_score":0.6046525985002518}],"sentiment":"neutral","sentiment_score":0.08613602663664256,"num_words":17,"start":2475.97,"end":2499.82},{"sentences":[{"text":"It'll be okay.","start":2506.405,"end":2507.305,"sentiment":"neutral","sentiment_score":0.15476170803109804},{"text":"It'll be fine.","start":2507.365,"end":2508.345,"sentiment":"positive","sentiment_score":0.3783813714981079},{"text":"Cool.","start":2511.4448,"end":2511.9448,"sentiment":"positive","sentiment_score":0.7451080679893494},{"text":"I'll read it through.","start":2517.2048,"end":2518.2449,"sentiment":"neutral","sentiment_score":0.11236484907567501},{"text":"And then if I got any questions, I'll give you a call.","start":2518.2449,"end":2520.9849,"sentiment":"neutral","sentiment_score":0.15076019118229547}],"sentiment":"neutral","sentiment_score":0.2001356085681397,"num_words":23,"start":2506.405,"end":2520.9849},{"sentences":[{"text":"But, yeah, it should be fine.","start":2522.46,"end":2523.9,"sentiment":"positive","sentiment_score":0.41798975070317584},{"text":"But I'll be in touch if I'm confused or lost or anything like that.","start":2523.9,"end":2528.72,"sentiment":"neutral","sentiment_score":-0.0011425275754715716},{"text":"Okay.","start":2530.22,"end":2530.72,"sentiment":"neutral","sentiment_score":0.24230355024337769},{"text":"Going to a quiet place.","start":2540.0151,"end":2541.475,"sentiment":"neutral","sentiment_score":0.27278754115104675},{"text":"Thank you very much, Jenna.","start":2541.615,"end":2542.975,"sentiment":"positive","sentiment_score":0.6225967645645142}],"sentiment":"neutral","sentiment_score":0.232618328934956,"num_words":31,"start":2522.46,"end":2542.975},{"sentences":[{"text":"Have a good afternoon.","start":2542.975,"end":2543.955,"sentiment":"positive","sentiment_score":0.6606058329343796},{"text":"Bye.","start":2550.103,"end":2550.5278,"sentiment":"neutral","sentiment_score":-0.11431708931922913}],"sentiment":"positive","sentiment_score":0.5056212484836579,"num_words":5,"start":2542.975,"end":2550.5278}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi. Is this Amy?\n\nChannel 1: Yes. It is.\n\nChannel 0: Amy, it's Jenna from Oakview Financial\n\nChannel 1: Oh, hello.\n\nChannel 0: Phoning.\n\nChannel 1: How are you?\n\nChannel 0: How I'm well. I'm well. Thank you. How are you?\n\nChannel 1: Yeah. Not too bad.\n\nChannel 0: Beautiful. Just before I go any further, I just need\n\nChannel 1: Mhmm.\n\nChannel 0: to let you know that our calls are recorded for quality and coaching purposes. Is that okay?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Fantastic. And, Amy, I'll just ask if you can please confirm your full name, date of birth, and address.\n\nChannel 1: Yeah. It's Amy Lee Flux. My date of birth is the 10/13/1989, and my address is Unit 4898 Nicholson Street, Futurin North.\n\nChannel 0: Beautiful. Thank you for that.\n\nChannel 1: It's okay.\n\nChannel 0: The reason I'm phoning today is to run through the advice preparation following our recent review.\n\nChannel 1: Yep.\n\nChannel 0: Do you still have time to go through that now?\n\nChannel 1: Yeah. That's okay. I'm just finishing work, so that is\n\nChannel 0: Okay.\n\nChannel 1: fine.\n\nChannel 0: Okay. Feel free to interrupt me anytime that you\n\nChannel 1: Yep.\n\nChannel 0: need to if you need to.\n\nChannel 1: Yeah. No worries.\n\nChannel 0: Okay. I have sent you an email.\n\nChannel 1: Mhmm.\n\nChannel 0: If you have access to your emails. To your emails. Do you?\n\nChannel 1: Yep.\n\nChannel 0: Yeah?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: I should do. I just got a sorry. Just locking a lock, and I'll open it up. One second.\n\nChannel 0: Absolutely fine. Thank you.\n\nChannel 1: Go sign. Okay. Alright. There it is. Oh,\n\nChannel 0: K.\n\nChannel 1: what have I done?\n\nChannel 0: A similar\n\nChannel 1: I'm sorry.\n\nChannel 0: process to the no. You're fine. The the review document is\n\nChannel 1: Yep.\n\nChannel 0: if you open it up and click sign, it should bring up some documents for us to go\n\nChannel 1: Yep.\n\nChannel 0: through, and we can work our way through that.\n\nChannel 1: Okay. We've got the slowest Internet in the world here today. So sorry. Okay. Here it is.\n\nChannel 0: It's always the way, isn't it? Okay. So is the document the first thing you're looking at, statement of advice, the first document?\n\nChannel 1: Yep. Yep. That's right.\n\nChannel 0: Great. Beautiful. So what what we'll do is we'll start we're gonna go through the document just to explain the recommendations that I've researched and that we're making. So the cover\n\nChannel 1: Mhmm.\n\nChannel 0: page is it obviously is a statement of advice prepared for yourself based on your own personal and financial situation,\n\nChannel 1: Yep.\n\nChannel 0: and that it was prepared on the September 14 yesterday.\n\nChannel 1: Yep.\n\nChannel 0: The next page is the best interest duty. So it lists out the steps as an adviser that we must adhere to in order to satisfy the best industry standard for our clients.\n\nChannel 1: Mhmm.\n\nChannel 0: So that's identifying your financial situations, your needs, conducting research, identifying specific advice elements that the client being yourself may need.\n\nChannel 1: Mhmm.\n\nChannel 0: Consider if any advice that we give is reasonable from a financial product and from a client's personal perspective, and take any actionable steps that would be reasonably that would be regarded in your best\n\nChannel 1: Yep.\n\nChannel 0: interest.\n\nChannel 1: Cool.\n\nChannel 0: That's how we operate.\n\nChannel 1: Mhmm.\n\nChannel 0: The next one is a table of contents,\n\nChannel 1: Yep.\n\nChannel 0: and the following page is our scope of advice. So this is where we discuss or we outline what your\n\nChannel 1: Mhmm.\n\nChannel 0: goals were. Superannuation, you wanna keep track of your super a lot more and not just wing it, and you wanna be in the best options available to you.\n\nChannel 1: Yep.\n\nChannel 0: So in line with that, we've made a recommendation to review some of the investments within your Hub twenty four account that we talked about previous in your review.\n\nChannel 1: Yep.\n\nChannel 0: So we'll cover off on that. And insurance wise, you were happy with your current levels of life, TPD, and IP.\n\nChannel 1: Yep.\n\nChannel 0: You were interested in in exploring trauma insurance as you had a\n\nChannel 1: Mhmm.\n\nChannel 0: friend recently diagnosed with leukemia. So we have made a recommendation for trauma within this document, which we'll go through.\n\nChannel 1: Yep.\n\nChannel 0: Estate planning, you'd like to make sure that Tyrone is nominated appropriate appropriately\n\nChannel 1: Yep.\n\nChannel 0: across your policies in Superfund. So we'll make sure that that is addressed accordingly. And then we did talk about looking into establishing a little nest egg for Mila aiming for access of around 25 years of age with with potentially access of around 25 years of age with\n\nChannel 1: Yes.\n\nChannel 0: with\n\nChannel 1: Mhmm.\n\nChannel 0: potentially putting $50 a fortnight in. And we also did talk about potentially putting $50 a\n\nChannel 1: Yep.\n\nChannel 0: fortnight into your super fund as a salary sacrifice. So they're the things we're gonna look at in this document. We're gonna walk through them, talk about them, and then at at the end I mean, anywhere throughout the conversation, interrupt me if you've got any questions at all.\n\nChannel 1: Okay.\n\nChannel 0: And and at the end, we can decide you can advise what you wish to proceed with.\n\nChannel 1: Sure.\n\nChannel 0: Okay. So the limited advice warning on the next page, it simply states that if if I don't have any full information\n\nChannel 1: Yep.\n\nChannel 0: provided that the information may not be appropriate. Also warning that I'm not a legal practitioner,\n\nChannel 1: Yep.\n\nChannel 0: so drafting of wills and powers of attorney need to be done so by a solicitor. I can't provide general insurance products advice, the house, car, etcetera. And I can I can provide relevant tax financial planning tax information,\n\nChannel 1: Yep.\n\nChannel 0: but but I'm not an actual registered tax agent, so\n\nChannel 1: Okay.\n\nChannel 0: from an\n\nChannel 1: Yep.\n\nChannel 0: income perspective? The about you section is based on the information that we completed in our annual review. So if any\n\nChannel 1: Yep.\n\nChannel 0: of that has changed, we would look at updating that. The wording at the bottom, when we spoke, you're uncertain about your surplus cash flow. So what I have done in my research is I've worked out that a pro you you net\n\nChannel 1: Mhmm.\n\nChannel 0: approximately $8.50 per week. $8.50 per week. This is just based on basic tax structure, so please let me know if it's incorrect at all.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Subtracting your weekly expenses of $5.50, we've we've said that you've got about 300 a week, and those are pretty fixed figures. Obviously, each week is variable, which we all understand.\n\nChannel 1: Yeah.\n\nChannel 0: But the reason why we calculated that is to ensure that any recommendation we make is affordable and in your best interest. So if\n\nChannel 1: Yeah.\n\nChannel 0: any of that is incorrect at any time, please let me know.\n\nChannel 1: Yep.\n\nChannel 0: It could change the outcome.\n\nChannel 1: Okay.\n\nChannel 0: The lifestyle assets and liabilities and your current superannuation and your current risk portfolio protection, that just outline outlines your personal and financial information that we discussed in your review. So\n\nChannel 1: Yep.\n\nChannel 0: those details and your risk the following page is your risk profile. So that's being high growth.\n\nChannel 1: Yep.\n\nChannel 0: During our review, you agreed that you would be comfortable to continue with a high growth allocation, which, again, just touching on it means that you are happy to have about 90% of your assets invested in growth assets and a 10% in a defensive portfolio or sector.\n\nChannel 1: Yep.\n\nChannel 0: Is that still are you still comfortable with that?\n\nChannel 1: Yeah.\n\nChannel 0: Fantastic. Okay. The next this is where the actual in the advice starts. So the\n\nChannel 1: Okay.\n\nChannel 0: first the first lot of advice, strategy recommendations is that you retain your hub, and we're gonna make some switches to the underlying investments.\n\nChannel 1: Yep.\n\nChannel 0: Though those underlying investments, as we discussed in our review, is the Benelong Australian Equities Fund,\n\nChannel 1: Mhmm.\n\nChannel 0: and that was due to underperformance. We're\n\nChannel 1: Yeah.\n\nChannel 0: recommending that it be replaced with the BetaShares Australian two hundred ETF.\n\nChannel 1: Yeah.\n\nChannel 0: It is lower cost. It has it will increase the diversification across the portfolio.\n\nChannel 1: Yep.\n\nChannel 0: So it it it it is designed to maintain consistency in your portfolio along with what Benelon was designed to do and reach\n\nChannel 1: Yes.\n\nChannel 0: a long term objective, it's just a bit more cost efficient because it is an ETF instead of a managed fund.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: So it's gonna it's what it will do is provide an estimated cost saving saving of approximately 305 per annum in your investment\n\nChannel 1: Okay.\n\nChannel 0: fees,\n\nChannel 1: Yep.\n\nChannel 0: which is nice.\n\nChannel 1: That love that.\n\nChannel 0: There's, yeah, there's some there's some great advantages of doing this. I'm gonna highlight the significant ones, and then I'm going to focus more on the disadvantages to make sure that a client is fully aware and can make an informed decision.\n\nChannel 1: Yep.\n\nChannel 0: So one of the the benefits of it is that by making this switch, there is actually gonna be no capital gains tax\n\nChannel 1: Okay.\n\nChannel 0: within within the portfolio. So because Benelon was operating at a loss,\n\nChannel 1: Yep.\n\nChannel 0: there's no capital gains within the superannuation fund that would be applicable.\n\nChannel 1: Mhmm.\n\nChannel 0: We're gonna rebalance your portfolio, which all that means is we may sell down some small add a small holding of assets to top up other assets to make sure that your your allocation to, let's say, Australian net shares, international shares, fixed interest cash, etcetera, are in\n\nChannel 1: Yep.\n\nChannel 0: line with your risk high growth risk profile.\n\nChannel 1: Yep.\n\nChannel 0: The negatives or disadvantages, if we put it that way, is, obviously, there is no guarantee that the recommended portfolio will always outperform.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: Yeah.\n\nChannel 0: that you know, we can't rely on past performance. It's not indicative of future performance. The rebalancing will incur some\n\nChannel 1: Oh, sorry.\n\nChannel 0: brokerage. No. You're you're absolutely fine. Are you okay?\n\nChannel 1: Yeah. I'm just, yeah, just locking up my shed.\n\nChannel 0: Oh, okay. I was I was hoping you didn't hurt yourself last time.\n\nChannel 1: No. No. No.\n\nChannel 0: No. I'm\n\nChannel 1: That's\n\nChannel 0: glad.\n\nChannel 1: okay.\n\nChannel 0: Okay. Beautiful. With doing these investment changes, you will incur what they call brokerage, so trading costs.\n\nChannel 1: Yep.\n\nChannel 0: They're they're what is that word I'm thinking of? They're aggregated together, so the costs\n\nChannel 1: Yes.\n\nChannel 0: are quite minimal compared to an actual trade itself.\n\nChannel 1: Okay.\n\nChannel 0: So there are some costs in that.\n\nChannel 1: Yes.\n\nChannel 0: I believe they're quite minimal, but, yeah, it is a dis event it is something that you need to be aware of when we're rebalancing your portfolio.\n\nChannel 1: Yeah. No worries.\n\nChannel 0: We did consider some alternatives. So we did consider another platform. For example, outside of my hub, we didn't proceed with that as an option because there was there were gonna be some significant capital gains tax that would have been payable from the super fund.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: And we did look at other investment options or portfolios. Let's refer to them as, but they were discounted also because of the capital gains, and they had lower historical performance over the last one to three, five years.\n\nChannel 1: Yeah.\n\nChannel 0: So that's the first lot. Any questions?\n\nChannel 1: No. All good. It's\n\nChannel 0: Okay.\n\nChannel 1: making sense so far. Mhmm.\n\nChannel 0: Beautiful. On page 16, it's a important part. This is the fee comparison. So it's a\n\nChannel 1: Yep.\n\nChannel 0: recommended. And the main difference you're gonna find, it was they should be all very similar except for the investment fee line. You'll see that the the recommended is quite lower. And\n\nChannel 1: Yes.\n\nChannel 0: you'll see the net contributions column is a little bit bigger because we have recommended a salary sacrifice if\n\nChannel 1: Okay.\n\nChannel 0: you shall\n\nChannel 1: Yep.\n\nChannel 0: proceed with it.\n\nChannel 1: Yeah.\n\nChannel 0: So underneath that, your projected balance, we only do very basic projections. By changing your portfolio at the bottom of page 16, it will show your current balance, your recommended I mean, sorry, your current allocation, your recommended allocation, and the difference. So by making\n\nChannel 1: Yeah.\n\nChannel 0: the the changes, that's what we recommend the difference in\n\nChannel 1: Yep. Cool.\n\nChannel 0: the balance will be.\n\nChannel 1: Okay.\n\nChannel 0: Over on page\n\nChannel 1: Mhmm.\n\nChannel 0: 18, this is just a breakdown of what we will do with your portfolio. So\n\nChannel 1: Yep.\n\nChannel 0: you'll see along the top line, you'll see that along Australian Equities has a negative 26,000 figure in red. Everything\n\nChannel 1: Yep.\n\nChannel 0: in red with a negative is what we're selling down,\n\nChannel 1: Okay.\n\nChannel 0: and and then anything in black is what we're topping up. So that's to\n\nChannel 1: Okay.\n\nChannel 0: rebalance. So Europe, for example, if we look at the iShares Europe, you'll see what your current balance is at $5,065. We\n\nChannel 1: Mhmm.\n\nChannel 0: we\n\nChannel 1: Yeah.\n\nChannel 0: want that allocated around 5%. So we're gonna we're we're gonna sell down approximately $536 of that asset to reduce it and invest elsewhere along your portfolio.\n\nChannel 1: Mhmm. Mhmm.\n\nChannel 0: So that's a rebalance what we're doing there. You'll see that it's it's probably more applicable to the iShares S and P five hundred and the iShares Asia. We're\n\nChannel 1: Okay.\n\nChannel 0: a\n\nChannel 1: Yep.\n\nChannel 0: little bit over, and we wanna bring that back down.\n\nChannel 1: Okay.\n\nChannel 0: Any any questions about that?\n\nChannel 1: No. That makes sense. Looking at that, and that's all good.\n\nChannel 0: Okay. Okay. The next section is the proposed asset allocation table. So this shows you as a high growth investor, that first column will indicate what we would typically see your funds invested across. So you've got your Australian at 35%, international equities at 55%, cash at one, fixed interest at nine.\n\nChannel 1: Yep.\n\nChannel 0: Your portfolio, the next column shows your existing allocation,\n\nChannel 1: Yep.\n\nChannel 0: and then the next column over is the proposed. So you'll see\n\nChannel 1: Yes.\n\nChannel 0: that we increase a bit to your Australian equities. We decrease a bit to your\n\nChannel 1: Mhmm.\n\nChannel 0: international equities. We decrease the cash a little bit,\n\nChannel 1: Yeah.\n\nChannel 0: and we increase the fixed interest a little bit. So that's just to bring it back to not necessarily in line with the growth and defensive as a group. It's bringing your your underlying sectors for the Australian equities back in line. So your Australian\n\nChannel 1: Yep.\n\nChannel 0: equities had dropped about 5%. So we wanted to bring that back up to closer to the 35% mark. Does\n\nChannel 1: Okay.\n\nChannel 0: that make sense?\n\nChannel 1: Yeah. It does.\n\nChannel 0: Okay.\n\nChannel 1: It's\n\nChannel 0: Fantastic.\n\nChannel 1: good to have a visual for sure.\n\nChannel 0: The visuals help just in because there's so much that goes there's so much words in these documents. The visuals help to explain what the actual purpose is\n\nChannel 1: Yeah.\n\nChannel 0: and why why it's necessary.\n\nChannel 1: Yeah.\n\nChannel 0: The next section is make a sacrifice contribution. Now we talked about this, and it just came up in our review in relation to your insurance premiums being funded through super and\n\nChannel 1: Mhmm.\n\nChannel 0: how that can have an impact on your retirement balance at the when you go to retire.\n\nChannel 1: Yep.\n\nChannel 0: You said that you prob you wouldn't miss about $50 a fortnight.\n\nChannel 1: Yes.\n\nChannel 0: So what I've done is I've had a look, and I've made an invest I've made a recommendation that you do set up a $50 per fortnight salary sacrifice arrangement with your employer.\n\nChannel 1: Yeah.\n\nChannel 0: The benefits are it's you're you're you're contributing it pretax. So the money that goes in there is taxed at a rate of 15% of super instead of coming to you, and\n\nChannel 1: Mhmm.\n\nChannel 0: then you're doing it being taxed at you personally,\n\nChannel 1: Yep.\n\nChannel 0: and then you're making a contribution to super. So it's pretax money. So\n\nChannel 1: Yep.\n\nChannel 0: that's one of the benefits of it. The other benefit is also that additionally into that, it's gonna\n\nChannel 1: Yes.\n\nChannel 0: reduce your taxable income each each year and by by a smidge at the moment, but we can review that over time. But, also, it's gonna help to offset some of those insurance premiums and help you work\n\nChannel 1: Yeah.\n\nChannel 0: towards that retirement\n\nChannel 1: Yeah.\n\nChannel 0: goal.\n\nChannel 1: Cool.\n\nChannel 0: So on page 22, it does give you a table, a visual again, to help break that down.\n\nChannel 1: Yep.\n\nChannel 0: So it's got your current position versus proposed. The current is with no salary sacrifice, and proposed is with salary sacrifice. You'll see at the bottom, the net income variance over the whole year is 864. So that's you're not gonna see $864 in your pay packet each year.\n\nChannel 1: Yeah. It seems\n\nChannel 0: So\n\nChannel 1: like\n\nChannel 0: even\n\nChannel 1: when you when you think about it over a year, like, well, whatever. That's fine.\n\nChannel 0: yes. Yeah. It I know I know what you mean. Like, when we break it down, I understand because I do it myself personally. So, yes, so that's what it would be to you receiving your income.\n\nSo if we broke\n\nChannel 1: Yeah.\n\nChannel 0: that down over let's have a quick look because I'm a figures person. I like it. So, essentially, what that means is $33 less in your pay packet a week.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: Right.\n\nChannel 0: even though you're doing $50, that's with pretax money. So after tax and when you get your pay, it'll be $33\n\nChannel 1: Yeah.\n\nChannel 0: less.\n\nChannel 1: Yeah. Cool.\n\nChannel 0: That's what you'll see in your in your pay packet.\n\nChannel 1: Yeah. Cool.\n\nChannel 0: So the benefits are that you're gonna grow your super in a tax effective way. So you're growing your super. You're probably reducing you're reducing your taxable income, which is a bonus, less tax\n\nChannel 1: For sure.\n\nChannel 0: payable. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: So the the disadvantages is is that you that money that you are putting into superannuation, the $50 a fortnight, you can't access until you reach preservation age, which is age 60. So it is\n\nChannel 1: Yeah.\n\nChannel 0: gonna get locked away. You will have a a reduced net income, which we've just talked about of how much that would be per fortnight.\n\nChannel 1: Yes.\n\nChannel 0: And, yeah, superannuation contributions are taxed at 15%. So it's taxed in the same way that they're taxed when your employer's putting them in.\n\nChannel 1: Yeah. Cool.\n\nChannel 0: Any questions about that?\n\nChannel 1: No. That's good. That's fine.\n\nChannel 0: No? Then on the page 24, we've got a recommendation for you to apply for trauma insurance through MetLife.\n\nChannel 1: Yep.\n\nChannel 0: I have a I've added a little benefit on there, being child benefit. So, basically, what it means is as per our review, we did talk about trauma and the benefits of it. I've recommended a some insured of 237,000, and what that\n\nChannel 1: Yep.\n\nChannel 0: is intended to do is provide a lump sum benefit to help you support your financial kit commitments and greater flexibility. So there is some allowance in there to cover some of that debt that you had, the smaller fixed debt, but also\n\nChannel 1: Yeah.\n\nChannel 0: help with out of pocket medical expenses and give you that financial flexibility to recover and Tyrone to be there for you and help with Mila as needed.\n\nChannel 1: Yes.\n\nChannel 0: The reason why I've added child cover in there is because from a cash flow perspective\n\nChannel 1: Yeah.\n\nChannel 0: and cost, it's minimal, I I think, but let me get it the actual exact figure for you. I believe from memory, it's about $6 a month\n\nChannel 1: Yeah.\n\nChannel 0: included\n\nChannel 1: Right.\n\nChannel 0: in that $69 per month that the premium would cost you. And it's\n\nChannel 1: Yes.\n\nChannel 0: a it covers up to 10% of your trauma cover. So 23,700 if Mila is diagnosed with a specified serious illness, which is gonna just allow you to have some financial flexibility to focus on Mila should something have happened yesterday. I\n\nChannel 1: Yeah.\n\nChannel 0: use yesterday as example to focus on her recovery as opposed to worrying about financial concerns and stress. Mhmm.\n\nChannel 1: Yeah. Cool. Yes. Yes. Thank you.\n\nChannel 0: $69.39 per month.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. So I think I've gone through the advantages for you. The disadvantages are it is funded that does need to be funded out of your personal cash flow.\n\nChannel 1: Yeah.\n\nChannel 0: You do need to go through underwriting. So you would have been through that previously with your other cover with your other covers, but we'll obviously walk you through that should you decide to proceed.\n\nChannel 1: Yep.\n\nChannel 0: And with with trauma insurance on some of the conditions, there is what they call kind of like private health,\n\nChannel 1: Yeah.\n\nChannel 0: an exclusion or a waiting period. So it won't cover anything preexisting, but, for example, skin cancers might be excluded for three months, for\n\nChannel 1: Yes.\n\nChannel 0: example. So we go through that in a little bit.\n\nChannel 1: Okay.\n\nChannel 0: So that's the that's trauma insurance. Any questions there?\n\nChannel 1: No. That's all good.\n\nChannel 0: No? Okay. And then the final or not the final, but one of the other recommendations was to build a financial nest egg for Mila.\n\nChannel 1: Yep.\n\nChannel 0: Now what I looked at in this is a generation life child investment bond. An investment\n\nChannel 1: Mhmm.\n\nChannel 0: bond is, I felt, the best investment vehicle given the long term investment objective given that Mila wouldn't you wouldn't want her accessing it till she's 25.\n\nChannel 1: Yep.\n\nChannel 0: So what we have what I've done is I've recommended a lump sum minimum investment of a thousand dollars. That's the minimum to open the account\n\nChannel 1: Okay.\n\nChannel 0: and then start a regular contribution of $50 per fortnight over\n\nChannel 1: Yep.\n\nChannel 0: the course of the time until\n\nChannel 1: Okay.\n\nChannel 0: Mila is 25 years of age.\n\nChannel 1: Yep. Alright.\n\nChannel 0: So the benefit of that is and why we want an investment bond over an investment, you know, a portfolio, for example, similar to what you've got with hub twenty four for your super, is that there's a few reasons. The investment bond is taxed internally at a rate of 30%, so it won't be applicable it won't be applicable to your taxable income. So if it was held in a investment portfolio, you'd need to look include it in your tax each year. This is\n\nChannel 1: Yes.\n\nChannel 0: this is taxed internally, so it does not need to be included.\n\nChannel 1: Okay.\n\nChannel 0: After ten years, as long as we continue to meet all the relevant requirements, so that's\n\nChannel 1: Mhmm.\n\nChannel 0: no withdrawals for ten years, etcetera,\n\nChannel 1: Yep.\n\nChannel 0: the the funds can be withdrawn tax free. So, essentially, they're considered tax paid. So\n\nChannel 1: Okay.\n\nChannel 0: given that\n\nChannel 1: Right.\n\nChannel 0: the long the\n\nChannel 1: Yep.\n\nChannel 0: longevity of it, like, there'd be no capital gains tax, etcetera, that's why I opted to recommend an investment bond over an actual investment portfolio.\n\nChannel 1: Yeah. Okay. That\n\nChannel 0: You\n\nChannel 1: makes\n\nChannel 0: can\n\nChannel 1: sense.\n\nChannel 0: still act yeah. You can still access it. There's no limitations. Anytime within the ten years would reset the ten year period.\n\nChannel 1: Okay. Yep.\n\nChannel 0: Does\n\nChannel 1: Yep.\n\nChannel 0: that make sense?\n\nChannel 1: Yeah. It does. Yeah.\n\nChannel 0: Yeah. Okay. Fantastic. Beautiful. So the advantages are owner of\n\nChannel 1: Yes.\n\nChannel 0: it, if, you know, that changes or or, you know, at a certain age, you wanna change that for her. It is maxed out at 25. I believe I'd need to double check that.\n\nChannel 1: Yep.\n\nChannel 0: But we you have full ownership control, and you can change the until she reaches age 25.\n\nChannel 1: Okay.\n\nChannel 0: And your contributions are limited to a 125% of the previous year. So for example, if you made $1,010,000 dollars one year, and I'm only using this as example because it's easy for my afternoon math brain,\n\nChannel 1: Yeah. That's fine. It\n\nChannel 0: You'd\n\nChannel 1: helps\n\nChannel 0: be\n\nChannel 1: the work\n\nChannel 0: limit\n\nChannel 1: to me.\n\nChannel 0: thank you. It it means that you'd be limited to make an annual contribution of 12,500 the following year. So you can't make\n\nChannel 1: Okay. Yep.\n\nChannel 0: more than so you are limited. So if that's why if you do a regular contribution,\n\nChannel 1: Yeah.\n\nChannel 0: it works well because you're not gonna exceed that 125%. If\n\nChannel 1: Yeah.\n\nChannel 0: you\n\nChannel 1: Cool.\n\nChannel 0: do, then the ten year period starts again. So those are the\n\nChannel 1: Yeah.\n\nChannel 0: little rules that we talk about in relation to not resetting them.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: It enables a long term investment for Mila. The the warnings are always in investing is, you know, it's it's subject to market risk, so volatility,\n\nChannel 1: Yes.\n\nChannel 0: which we've discussed, interest rate risk, so, you know, how interest rates are sorry. Lost my train of thought. US or Australian, for example, when they do their interest rate changes and it can impact the market, you know,\n\nChannel 1: Yeah.\n\nChannel 0: it can impact the portfolio, investment manager risk, and so on. So there's there's risks throughout the portfolio, but as long as you're aware of those, it goes into\n\nChannel 1: Yeah.\n\nChannel 0: a bit more detail. We did consider investing in a bank account. The rate of return is\n\nChannel 1: Yep.\n\nChannel 0: not great.\n\nChannel 1: Okay.\n\nChannel 0: So\n\nChannel 1: Yeah.\n\nChannel 0: that was discounted.\n\nChannel 1: That's what I that because I was like, maybe I should and I was like, no. That's just gonna be sitting there and doing not very much for such a\n\nChannel 0: Yeah.\n\nChannel 1: long time. They might have\n\nChannel 0: Yeah.\n\nChannel 1: yeah.\n\nChannel 0: Yep. I have these for my children, so I'm not I'm not saying\n\nChannel 1: Yeah.\n\nChannel 0: for example, I'm not I am practicing what I preach, basically. So I believe in them. And as I mentioned, we also considered an IDPS account, which is an investment account similar to your hub 24, but not\n\nChannel 1: Yeah.\n\nChannel 0: super, and\n\nChannel 1: Yes.\n\nChannel 0: the reasons why we discounted that. The recommended investments within that child bond on pay outlined on page 34 is\n\nChannel 1: Yeah.\n\nChannel 0: the Vanguard conservative portfolio. So that's 10% we would want in defensive assets with\n\nChannel 1: Yes.\n\nChannel 0: your growth assets being generation life tax effective Australian share fund and the Hyperion Global Growth Companies Fund. So that's your international and Australian exposure right there.\n\nChannel 1: Yes.\n\nChannel 0: So the next page is cash flow outcomes on page 35. This will show you if you do proceed with the advice. Again, a visual to make it nice and easy because there is\n\nChannel 1: Yes.\n\nChannel 0: a lot in these documents. We estimated a $300 a week surplus, which, again, if that's incorrect,\n\nChannel 1: Yeah.\n\nChannel 0: please advise. But the the total of the recommendations for the cost, so you've got your salary sacrifice, the bond contribution for Mila, and the\n\nChannel 1: Yep. Yep.\n\nChannel 0: and then build your your super investment portfolio.\n\nChannel 1: Yep.\n\nChannel 0: It still\n\nChannel 1: Cool.\n\nChannel 0: leaves you with a surplus cash flow of around 12,600. So I we just like to put in those little visuals to make sure that you can make an informed\n\nChannel 1: Yeah.\n\nChannel 0: decision.\n\nChannel 1: Yeah. For sure.\n\nChannel 0: And finally, the last ones are for you to establish a will,\n\nChannel 1: Yep.\n\nChannel 0: which we talked about,\n\nChannel 1: Yes.\n\nChannel 0: and a power of attorney, which we talked about.\n\nChannel 1: Yep.\n\nChannel 0: These sections of the document just outline what we did discuss previously in the review, why they're important,\n\nChannel 1: Yeah.\n\nChannel 0: especially with Mila being a minor. And any to make sure that she's if anything was happened to you, both you and Tyrone at the same time, that she's not taken advantage of financially and so\n\nChannel 1: Yep.\n\nChannel 0: on. So they're they're important documents for you and Tyrone to get established.\n\nChannel 1: He's got one. He's better at\n\nChannel 0: He's\n\nChannel 1: this stuff\n\nChannel 0: got\n\nChannel 1: than me.\n\nChannel 0: oh, good. Did I I did send you through the the ref did I send you through the brochure? I'm just actually having a quick look if I\n\nChannel 1: I\n\nChannel 0: did do\n\nChannel 1: I'm sure I browsed it briefly.\n\nChannel 0: that. Yep. That's okay. Well, I maybe if you want me to, I can help I can do an introduction of some kind. It's up to you.\n\nBut probably something or maybe speak to Tyrone and see if he can have a similar one established through who helped him,\n\nChannel 1: Yeah.\n\nChannel 0: if you like.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. I might chat to him and see.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Definitely.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. It's important both of you have one in place. Definitely.\n\nChannel 1: Yeah. That's all.\n\nChannel 0: Okay. Then on page 41 is the ongoing services. So we'll continue to meet with you on your reviews. We'll review your portfolio, your insurances. Sorry.\n\nExcuse me. And, obviously, you can\n\nChannel 1: Yep.\n\nChannel 0: speak to us any at any time when when you need to seek advice or if you've got any questions.\n\nChannel 1: Yeah. Amazing.\n\nChannel 0: Important information. The next step is just to make sure you fully understand the advice in this plan. So even though you have the opportunity to sign today, I do encourage you to have a read of it before you do\n\nChannel 1: Yes.\n\nChannel 0: to make sure because sometimes, you know, this is information overload, and sometimes questions will come to you after the fact.\n\nChannel 1: Yes.\n\nChannel 0: And you're calling off right, so you've got a fourteen day calling off period to cancel any insurance policy investment or product super fund if you do proceed.\n\nChannel 1: Yep.\n\nChannel 0: Within this document that has been sent to you are all the PDFs. So that will be the PDF for hub twenty four,\n\nChannel 1: Yep.\n\nChannel 0: the PDF for MetLife, who's the trauma provider, and the PDF for generation life for Life for the investment bond. So they're the product\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: disclosure statements to make sure that you can access the information.\n\nChannel 1: Yep.\n\nChannel 0: And the next the next document oh, sorry. Next document. The next page is this will go over remuneration. So this is fees for us. So\n\nChannel 1: Yeah.\n\nChannel 0: you'll see from an implementation perspective, there is zero from the investment bond and the super balance.\n\nChannel 1: Yep.\n\nChannel 0: And the MetLife insurance, we are paid by commission through MetLife for insurance policies. So that's MetLife paying us that $550, not\n\nChannel 1: Yep.\n\nChannel 0: yourself. The next page is the ongoing remuneration. So, again, same as we'd already talked about with your super balance, it's fixed at 1.65%, which shows you the the dollar figure in the right\n\nChannel 1: Yep.\n\nChannel 0: hand column.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. What we do with the investment bonds, we usually charge a $750 fee upfront to establish those. But given that would take up a significant amount of your initial investment, we've waived that, and we're gonna charge 1.1% of the investment balance ongoing instead. So for the first couple\n\nChannel 1: Okay.\n\nChannel 0: of years, it's gonna be around the $25 mark annually.\n\nChannel 1: Yep.\n\nChannel 0: And as the balance increases, that would that fee would obviously increase as well, but we would keep reviewing that and touching in every year to see if there\n\nChannel 1: Okay.\n\nChannel 0: are any changes when that needs to be made. Because at a certain point, that may be changed to a $6 fee or something different.\n\nChannel 1: Cool. Yeah. Cool. Thank you.\n\nChannel 0: And and then the 22% of the premium, again, is paid by MetLife. So that's in an ongoing basis.\n\nChannel 1: Yep.\n\nChannel 0: So for the advice provided, we'd get two we would receive $2,042 approximately per annum, a\n\nChannel 1: Yep.\n\nChannel 0: combination from your super insurance premium and the investment bonds. Does that make sense? Types\n\nChannel 1: Okay. It does. Yeah.\n\nChannel 0: of recommendations types of recommendations being made.\n\nChannel 1: Yep.\n\nChannel 0: Again, the remuneration, so it summarizes it again for you. How to implement the advice? So that is you'll see that it says Amy slash Oakview a few times. So it will be we'll we'll be working with you to implement the advice.\n\nChannel 1: Yep.\n\nChannel 0: And then the next section is where you sign should you wish to proceed.\n\nChannel 1: Okay.\n\nChannel 0: Now\n\nChannel 1: Cool.\n\nChannel 0: I think an important part here when you do, what with what you decide, you'll see a box that has an area for you to free type above\n\nChannel 1: Yeah.\n\nChannel 0: please sign below.\n\nChannel 1: Mhmm.\n\nChannel 0: If there's any part of the advice that you want to change or you don't wanna proceed with, you just type it there. So for\n\nChannel 1: Okay.\n\nChannel 0: example, if you wanna go with everything except sacrifice, you'd say, please proceed with all advice, but not sacrifice, for\n\nChannel 1: Yeah.\n\nChannel 0: example.\n\nChannel 1: Okay.\n\nChannel 0: So so that's where you give the directions to us as to what you wish to to go ahead with. If you wanna proceed with all of it, you just sign the document.\n\nChannel 1: Alright. Right. Thank you.\n\nChannel 0: The next one, very, very briefly, is\n\nChannel 1: Yep.\n\nChannel 0: the appendices. So we use you should see appendix to statement of advice.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: That will cover off your it's just some bay where we put the basic information. So there it'll give you a breakdown of the risk profile of how we you'll see that in a high growth investor again, the breakdown of where you'd say 35% typically in Australian shares, 55 in international shares, which we covered earlier.\n\nChannel 1: Yes.\n\nChannel 0: The on page oh, sorry. The next section, important relationships and information. The important parts here is that the content in the SOA is based on the information you've provided us. So I've taken as many reasonable steps as possible to ensure that it it is the advice provided is in line with your personal financial situation.\n\nChannel 1: Yep.\n\nChannel 0: The SOA itself is valid from sixty days from yesterday. So once we once it passes that sixty days, we do need to start the process again.\n\nChannel 1: Yep.\n\nChannel 0: So we\n\nChannel 1: Mhmm.\n\nChannel 0: just make everyone aware of that just because financial you know, situations can change,\n\nChannel 1: Yes.\n\nChannel 0: and sixty days just tries to make ensure it remains as current as possible.\n\nChannel 1: Possible? Yep.\n\nChannel 0: The products recommended are appropriate to you. You know? However, there's no\n\nChannel 1: Yeah.\n\nChannel 0: guarantee on performance or stability as we've touched on and I'm sure you're aware of. But we the purpose of our reviews is to make sure that we stay on top of those things. So that's why those annual reviews are pretty important.\n\nChannel 1: Yeah. Cool.\n\nChannel 0: The and then it just covers off on a few details like tax. We've, you know, we've made every effort to make sure the taxes considered as much as possible. Projections are based on quite conservative figures, So we don't like to inflate them. So\n\nChannel 1: Yes.\n\nChannel 0: because they're not realistic.\n\nChannel 1: Yes.\n\nChannel 0: Yep. Yep. So and then you've got your investment PDSs. So in this document that you've got attached following is your hub 24 MetLife and investment generation life PDSs. This section\n\nChannel 1: Yep.\n\nChannel 0: of the SAOA will just give you links to the underlying investments that we've made a recommendation\n\nChannel 1: Yep.\n\nChannel 0: to. So they all have their own relevant product disclosure statements. So that's a link to all of those for you.\n\nChannel 1: Awesome. Amazing.\n\nChannel 0: Nearly there. And but the next page is your investment returns. So this is if you were to do in the SOA, it shows you your projected returns over the five and ten years, including a salary sacrifice recommendation. This one\n\nChannel 1: Yep.\n\nChannel 0: here is the alternative just so you've got the information again to make an informed decision if you were to do no salary sacrifice so you can compare those five and ten year benefits and and what\n\nChannel 1: Mhmm.\n\nChannel 0: it's worth\n\nChannel 1: Okay. Yep.\n\nChannel 0: in the long run. Yep.\n\nChannel 1: Yeah.\n\nChannel 0: That and the next two pages, it just explain, you know, investment return methodology. So how we how we calculate the returns in a conservative nature. And then\n\nChannel 1: Yes.\n\nChannel 0: the the next page is life insurance through superannuation. So just general information that you've covered off on previously because you've got your life and TPD in life TPD and income protection in your superannuation fund already.\n\nChannel 1: Amazing. Yeah. Cool.\n\nChannel 0: Just quickly, any\n\nChannel 1: No.\n\nChannel 0: questions?\n\nChannel 1: That's all good. I'm gonna have to\n\nChannel 0: No.\n\nChannel 1: sit down and look through it all when I'm not on the street with all this traffic, though, but that's okay.\n\nChannel 0: I completely understand. I completely understand.\n\nChannel 1: Sorry\n\nChannel 0: So once\n\nChannel 1: if\n\nChannel 0: you\n\nChannel 1: you can hear,\n\nChannel 0: have had\n\nChannel 1: like,\n\nChannel 0: a\n\nChannel 1: motorbikes\n\nChannel 0: chance\n\nChannel 1: and stuff going through. Oh my god.\n\nChannel 0: oh, that's fine. That's all. Absolutely. That's fine. Once you go through it, if you've got any questions, feel free to give me a call, send me an email,\n\nChannel 1: Yeah.\n\nChannel 0: whatever method is best for you.\n\nChannel 1: Sure.\n\nChannel 0: And I'll just briefly touch on the other documents within the email you've received. You've got our financial services guide again, which you received recently\n\nChannel 1: Yep.\n\nChannel 0: in our review. You have the hub 24 PDSs\n\nChannel 1: Yep.\n\nChannel 0: enclosed along with the generation life investment options PDF and the MetLife insurance PDF.\n\nChannel 1: Mhmm.\n\nChannel 0: So they're really helpful to look at for if you wanted to have a look at what the trauma policy will cover you,\n\nChannel 1: Yeah.\n\nChannel 0: what definitions, have a look at the MetLife PDF under trauma, and you'll see, for example, some of those conditions or diagnoses, we should say, where you would be covered.\n\nChannel 1: Yeah. Cool.\n\nChannel 0: Yeah. Sorry for we're talking a lot. I know\n\nChannel 1: Oh,\n\nChannel 0: there's\n\nChannel 1: that's\n\nChannel 0: a lot\n\nChannel 1: okay.\n\nChannel 0: of information.\n\nChannel 1: I bet you're tired after a long\n\nChannel 0: Oh,\n\nChannel 1: day.\n\nChannel 0: no. No. Not at all. Not at all. I know that there's a lot of information there to digest.\n\nSo please, again, if you have any any questions after having a read through it,\n\nChannel 1: Yep.\n\nChannel 0: just reach out, and I will make contact with your preferred method, and we can go through them.\n\nChannel 1: Awesome. Thank you so much.\n\nChannel 0: Nope. You are absolutely welcome. I hope that that it doesn't put you to sleep whilst reading it.\n\nChannel 1: It'll be okay. It'll be fine.\n\nChannel 0: Alright. Fantastic.\n\nChannel 1: Cool.\n\nChannel 0: Did you want me to give you a follow-up in any period of time, or are you you are okay to read and then come\n\nChannel 1: I'll\n\nChannel 0: back to\n\nChannel 1: read\n\nChannel 0: me?\n\nChannel 1: it through. And then if I got any questions, I'll give you a call.\n\nChannel 0: Okay. Beautiful.\n\nChannel 1: But, yeah, it should be fine. But I'll be in touch if I'm confused or lost or anything like that.\n\nChannel 0: Okay. Alright.\n\nChannel 1: Okay.\n\nChannel 0: That's that's absolutely fine. Well, thank you so much for your time, Amy. And, hopefully, I can let you go so you can get off the street and go do what you gotta do\n\nChannel 1: Going\n\nChannel 0: next.\n\nChannel 1: to a quiet place. Thank you very\n\nChannel 0: Yeah.\n\nChannel 1: much, Jenna. Have a good afternoon.\n\nChannel 0: You too, Amy. Enjoy. Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.96,"end":1.46,"sentiment":"neutral","sentiment_score":0.012170035392045976}],"sentiment":"neutral","sentiment_score":0.012170035392045976,"channel":1,"num_words":1,"start":0.96,"end":1.46},{"sentences":[{"text":"Hi.","start":2.3999999,"end":2.72,"sentiment":"neutral","sentiment_score":0.022232256829738617},{"text":"Is this Amy?","start":2.72,"end":3.6999998,"sentiment":"neutral","sentiment_score":0.022380563120047253}],"sentiment":"neutral","sentiment_score":0.022343486547470093,"channel":0,"num_words":4,"start":2.3999999,"end":3.6999998},{"sentences":[{"text":"Yes.","start":4.08,"end":4.3199997,"sentiment":"neutral","sentiment_score":0.06900537014007568},{"text":"It is.","start":4.3199997,"end":4.98,"sentiment":"neutral","sentiment_score":0.058435291051864624}],"sentiment":"neutral","sentiment_score":0.061958650747934975,"channel":1,"num_words":3,"start":4.08,"end":4.98},{"sentences":[{"text":"Amy, it's 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purposes.","start":17.335,"end":20.935,"sentiment":"neutral","sentiment_score":0.01630250763680254},{"text":"Is that okay?","start":20.935,"end":21.835,"sentiment":"neutral","sentiment_score":0.039142308135827385}],"sentiment":"neutral","sentiment_score":0.020333060666042214,"channel":0,"num_words":17,"start":17.335,"end":21.835},{"sentences":[{"text":"Yeah.","start":22.055,"end":22.295,"sentiment":"neutral","sentiment_score":0.08375630527734756},{"text":"That's fine.","start":22.295,"end":23.035,"sentiment":"neutral","sentiment_score":0.21549342572689056}],"sentiment":"neutral","sentiment_score":0.17158105224370956,"channel":1,"num_words":3,"start":22.055,"end":23.035},{"sentences":[{"text":"Fantastic.","start":23.575,"end":24.075,"sentiment":"positive","sentiment_score":0.5743187069892883},{"text":"And, Amy, I'll just ask if you can please confirm your full name, date of birth, and 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you","start":58.49,"end":60.97,"sentiment":"neutral","sentiment_score":0.05470165330916643}],"sentiment":"neutral","sentiment_score":0.05436902907159594,"channel":0,"num_words":9,"start":57.850002,"end":60.97},{"sentences":[{"text":"Yep.","start":60.899998,"end":61.399998,"sentiment":"neutral","sentiment_score":0.02437729947268963}],"sentiment":"neutral","sentiment_score":0.02437729947268963,"channel":1,"num_words":1,"start":60.899998,"end":61.399998},{"sentences":[{"text":"need to if you need to.","start":60.97,"end":62.83,"sentiment":"neutral","sentiment_score":0.026997308246791363}],"sentiment":"neutral","sentiment_score":0.026997308246791363,"channel":0,"num_words":6,"start":60.97,"end":62.83},{"sentences":[{"text":"Yeah.","start":63.14,"end":63.46,"sentiment":"neutral","sentiment_score":0.027670226991176605},{"text":"No 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that the premium would cost you.","start":1267.675,"end":1272.4951,"sentiment":"neutral","sentiment_score":0.050471855835481125},{"text":"And it's","start":1272.76,"end":1273.4,"sentiment":"neutral","sentiment_score":0.07884567975997925}],"sentiment":"neutral","sentiment_score":0.05483705951617314,"channel":0,"num_words":13,"start":1267.675,"end":1273.4},{"sentences":[{"text":"Yes.","start":1273.12,"end":1273.62,"sentiment":"neutral","sentiment_score":0.11658398061990738}],"sentiment":"neutral","sentiment_score":0.11658398061990738,"channel":1,"num_words":1,"start":1273.12,"end":1273.62},{"sentences":[{"text":"a it covers up to 10% of your trauma cover.","start":1273.4,"end":1276.46,"sentiment":"neutral","sentiment_score":0.09211361519992352},{"text":"So 23,700 if Mila is diagnosed with a specified serious illness, which is gonna just allow you to have some financial flexibility to focus on Mila should something have happened 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when you do, what with what you decide, you'll see a box that has an area for you to free type above","start":2114.8,"end":2127.7,"sentiment":"neutral","sentiment_score":0.19146990603102104}],"sentiment":"neutral","sentiment_score":0.19146990603102104,"channel":0,"num_words":28,"start":2114.8,"end":2127.7},{"sentences":[{"text":"Yeah.","start":2127.63,"end":2128.13,"sentiment":"neutral","sentiment_score":0.05262908339500427}],"sentiment":"neutral","sentiment_score":0.05262908339500427,"channel":1,"num_words":1,"start":2127.63,"end":2128.13},{"sentences":[{"text":"please sign 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long","start":2476.77,"end":2478.77,"sentiment":"neutral","sentiment_score":-0.1872696237904685}],"sentiment":"neutral","sentiment_score":-0.1872696237904685,"channel":1,"num_words":7,"start":2476.77,"end":2478.77},{"sentences":[{"text":"Oh,","start":2478.53,"end":2478.85,"sentiment":"neutral","sentiment_score":-0.18513576686382296}],"sentiment":"neutral","sentiment_score":-0.18513576686382296,"channel":0,"num_words":1,"start":2478.53,"end":2478.85},{"sentences":[{"text":"day.","start":2478.77,"end":2479.27,"sentiment":"neutral","sentiment_score":-0.16440793871879578}],"sentiment":"neutral","sentiment_score":-0.16440793871879578,"channel":1,"num_words":1,"start":2478.77,"end":2479.27},{"sentences":[{"text":"no.","start":2478.85,"end":2479.1702,"sentiment":"neutral","sentiment_score":-0.16625335812568665},{"text":"No.","start":2479.1702,"end":2479.6702,"sentiment":"neutral","sentiment_score":-0.17141316831111908},{"text":"Not at all.","start":2479.7302,"end":2480.37,"sentiment":"neutral","sentiment_score":-0.1792763570944468},{"text":"Not at all.","start":2480.37,"end":2481.1902,"sentiment":"neutral","sentiment_score":-0.14739521344502768},{"text":"I know that there's a lot of information there to digest.","start":2481.33,"end":2484.2302,"sentiment":"neutral","sentiment_score":-0.055850330062887886}],"sentiment":"neutral","sentiment_score":-0.1016860457235261,"channel":0,"num_words":19,"start":2478.85,"end":2484.2302},{"sentences":[{"text":"So please, again, if you have any any questions after having a read through it,","start":2484.29,"end":2491.085,"sentiment":"neutral","sentiment_score":0.0664714348812898}],"sentiment":"neutral","sentiment_score":0.0664714348812898,"channel":0,"num_words":15,"start":2484.29,"end":2491.085},{"sentences":[{"text":"Yep.","start":2491.355,"end":2491.855,"sentiment":"neutral","sentiment_score":0.05405562371015549}],"sentiment":"neutral","sentiment_score":0.05405562371015549,"channel":1,"num_words":1,"start":2491.355,"end":2491.855},{"sentences":[{"text":"just reach out, and I will make contact with your preferred method, and we can go through them.","start":2491.545,"end":2497.325,"sentiment":"neutral","sentiment_score":0.08512134415407975}],"sentiment":"neutral","sentiment_score":0.08512134415407975,"channel":0,"num_words":18,"start":2491.545,"end":2497.325},{"sentences":[{"text":"Awesome.","start":2497.6401,"end":2498.1401,"sentiment":"positive","sentiment_score":0.5280163288116455},{"text":"Thank you so much.","start":2498.6,"end":2499.82,"sentiment":"positive","sentiment_score":0.6046525985002518}],"sentiment":"positive","sentiment_score":0.5893253445625305,"channel":1,"num_words":5,"start":2497.6401,"end":2499.82},{"sentences":[{"text":"Nope.","start":2500.745,"end":2501.145,"sentiment":"neutral","sentiment_score":0.1870727986097336},{"text":"You are absolutely welcome.","start":2501.145,"end":2502.585,"sentiment":"positive","sentiment_score":0.42508673667907715},{"text":"I hope that that it doesn't put you to sleep whilst reading it.","start":2502.585,"end":2506.35,"sentiment":"neutral","sentiment_score":0.20455957719912896}],"sentiment":"neutral","sentiment_score":0.25259412493970657,"channel":0,"num_words":18,"start":2500.745,"end":2506.35},{"sentences":[{"text":"It'll be okay.","start":2506.405,"end":2507.305,"sentiment":"neutral","sentiment_score":0.15476170803109804},{"text":"It'll be fine.","start":2507.365,"end":2508.345,"sentiment":"positive","sentiment_score":0.3783813714981079}],"sentiment":"neutral","sentiment_score":0.26657153976460296,"channel":1,"num_words":6,"start":2506.405,"end":2508.345},{"sentences":[{"text":"Alright.","start":2509.93,"end":2510.43,"sentiment":"positive","sentiment_score":0.5718331336975098},{"text":"Fantastic.","start":2510.6501,"end":2511.1501,"sentiment":"positive","sentiment_score":0.854751706123352}],"sentiment":"positive","sentiment_score":0.7132924199104309,"channel":0,"num_words":2,"start":2509.93,"end":2511.1501},{"sentences":[{"text":"Cool.","start":2511.4448,"end":2511.9448,"sentiment":"positive","sentiment_score":0.7451080679893494}],"sentiment":"positive","sentiment_score":0.7451080679893494,"channel":1,"num_words":1,"start":2511.4448,"end":2511.9448},{"sentences":[{"text":"Did you want me to give you a follow-up in any period of time, or are you you are okay to read and then come","start":2511.69,"end":2517.275,"sentiment":"neutral","sentiment_score":0.15019129306077958}],"sentiment":"neutral","sentiment_score":0.15019129306077958,"channel":0,"num_words":25,"start":2511.69,"end":2517.275},{"sentences":[{"text":"I'll","start":2517.2048,"end":2517.4448,"sentiment":"neutral","sentiment_score":0.1201028823852539}],"sentiment":"neutral","sentiment_score":0.1201028823852539,"channel":1,"num_words":1,"start":2517.2048,"end":2517.4448},{"sentences":[{"text":"back to","start":2517.275,"end":2517.515,"sentiment":"neutral","sentiment_score":0.12122022733092308}],"sentiment":"neutral","sentiment_score":0.12122022733092308,"channel":0,"num_words":2,"start":2517.275,"end":2517.515},{"sentences":[{"text":"read","start":2517.4448,"end":2517.765,"sentiment":"neutral","sentiment_score":0.10627522319555284}],"sentiment":"neutral","sentiment_score":0.10627522319555284,"channel":1,"num_words":1,"start":2517.4448,"end":2517.765},{"sentences":[{"text":"me?","start":2517.515,"end":2518.015,"sentiment":"neutral","sentiment_score":0.10263831168413162}],"sentiment":"neutral","sentiment_score":0.10263831168413162,"channel":0,"num_words":1,"start":2517.515,"end":2518.015},{"sentences":[{"text":"it through.","start":2517.765,"end":2518.2449,"sentiment":"neutral","sentiment_score":0.11154064536094666},{"text":"And then if I got any questions, I'll give you a call.","start":2518.2449,"end":2520.9849,"sentiment":"neutral","sentiment_score":0.15076019118229547}],"sentiment":"neutral","sentiment_score":0.1451573989221028,"channel":1,"num_words":14,"start":2517.765,"end":2520.9849},{"sentences":[{"text":"Okay.","start":2521.595,"end":2521.835,"sentiment":"positive","sentiment_score":0.3606511354446411},{"text":"Beautiful.","start":2521.835,"end":2522.335,"sentiment":"positive","sentiment_score":0.6824066638946533}],"sentiment":"positive","sentiment_score":0.5215288996696472,"channel":0,"num_words":2,"start":2521.595,"end":2522.335},{"sentences":[{"text":"But, yeah, it should be fine.","start":2522.46,"end":2523.9,"sentiment":"positive","sentiment_score":0.41798975070317584},{"text":"But I'll be in touch if I'm confused or lost or anything like that.","start":2523.9,"end":2528.72,"sentiment":"neutral","sentiment_score":-0.0011425275754715716}],"sentiment":"neutral","sentiment_score":0.12459715590812266,"channel":1,"num_words":20,"start":2522.46,"end":2528.72},{"sentences":[{"text":"Okay.","start":2529.1948,"end":2529.6948,"sentiment":"neutral","sentiment_score":0.14282667636871338},{"text":"Alright.","start":2529.755,"end":2530.255,"sentiment":"neutral","sentiment_score":0.2051132172346115}],"sentiment":"neutral","sentiment_score":0.17396994680166245,"channel":0,"num_words":2,"start":2529.1948,"end":2530.255},{"sentences":[{"text":"Okay.","start":2530.22,"end":2530.72,"sentiment":"neutral","sentiment_score":0.24230355024337769}],"sentiment":"neutral","sentiment_score":0.24230355024337769,"channel":1,"num_words":1,"start":2530.22,"end":2530.72},{"sentences":[{"text":"That's that's absolutely fine.","start":2530.315,"end":2532.0398,"sentiment":"positive","sentiment_score":0.5848238170146942},{"text":"Well, thank you so much for your time, Amy.","start":2532.0398,"end":2534.1199,"sentiment":"positive","sentiment_score":0.7553143898646036},{"text":"And, hopefully, I can let you go so you can get off the street and go do what you gotta do","start":2534.1199,"end":2540.1199,"sentiment":"positive","sentiment_score":0.521092509939557}],"sentiment":"positive","sentiment_score":0.5905902201638502,"channel":0,"num_words":34,"start":2530.315,"end":2540.1199},{"sentences":[{"text":"Going","start":2540.0151,"end":2540.2551,"sentiment":"neutral","sentiment_score":0.33279937505722046}],"sentiment":"neutral","sentiment_score":0.33279937505722046,"channel":1,"num_words":1,"start":2540.0151,"end":2540.2551},{"sentences":[{"text":"next.","start":2540.1199,"end":2540.6199,"sentiment":"neutral","sentiment_score":0.14635257422924042}],"sentiment":"neutral","sentiment_score":0.14635257422924042,"channel":0,"num_words":1,"start":2540.1199,"end":2540.6199},{"sentences":[{"text":"to a quiet place.","start":2540.2551,"end":2541.475,"sentiment":"neutral","sentiment_score":0.2577845826745033},{"text":"Thank you very","start":2541.615,"end":2542.335,"sentiment":"positive","sentiment_score":0.6309389670689901}],"sentiment":"positive","sentiment_score":0.4177078902721405,"channel":1,"num_words":7,"start":2540.2551,"end":2542.335},{"sentences":[{"text":"Yeah.","start":2542.2,"end":2542.7,"sentiment":"positive","sentiment_score":0.37918820977211}],"sentiment":"positive","sentiment_score":0.37918820977211,"channel":0,"num_words":1,"start":2542.2,"end":2542.7},{"sentences":[{"text":"much, Jenna.","start":2542.335,"end":2542.975,"sentiment":"positive","sentiment_score":0.6100834608078003},{"text":"Have a good afternoon.","start":2542.975,"end":2543.955,"sentiment":"positive","sentiment_score":0.6606058329343796}],"sentiment":"positive","sentiment_score":0.6437650422255198,"channel":1,"num_words":6,"start":2542.335,"end":2543.955},{"sentences":[{"text":"You too, Amy.","start":2544.6729,"end":2545.5527,"sentiment":"positive","sentiment_score":0.5343094865481058},{"text":"Enjoy.","start":2545.5527,"end":2546.0527,"sentiment":"positive","sentiment_score":0.6014961004257202},{"text":"Bye.","start":2547.6328,"end":2548.1328,"sentiment":"positive","sentiment_score":0.33908355236053467}],"sentiment":"positive","sentiment_score":0.5087016224861145,"channel":0,"num_words":5,"start":2544.6729,"end":2548.1328},{"sentences":[{"text":"Bye.","start":2550.103,"end":2550.5278,"sentiment":"neutral","sentiment_score":-0.11431708931922913}],"sentiment":"neutral","sentiment_score":-0.11431708931922913,"channel":1,"num_words":1,"start":2550.103,"end":2550.5278}]},"summary":{"result":"success","short":"The representative from Oakview Financial discusses recommendations based on the customer's financial situation and emphasizes the importance of reviewing investments and risk profiles for long-term success. They also discuss various topics related to insurance and retirement plans, including the benefits of a switch to a higher growth allocation and potential cost savings. The speaker emphasizes the importance of fee comparison and proposed asset allocation table, and provides information on the retirement contribution and salary sacrifice arrangement. They recommend a new insurance policy and suggest building a financial investment portfolio for a generation's life. The speaker emphasizes the importance of maintaining a long-term investment portfolio and provides detailed instructions for implementing the advice. They also provide information on tax and investment PDSs, including a link to the underlying investments."},"intents":{"segments":[{"text":"And, Amy, I'll just ask if you can please confirm your full name, date of birth, and address. Yeah.","start_word":66,"end_word":84,"intents":[{"intent":"Confirm identity","confidence_score":0.43360916}]},{"text":"Thank you for that. It's okay. The reason I'm phoning today is to run through the advice preparation following our recent review. Yep.","start_word":107,"end_word":129,"intents":[{"intent":"Discuss advice preparation","confidence_score":0.046838574}]},{"text":"Feel free to interrupt me anytime that you Yep. need to if you need to. Yeah.","start_word":153,"end_word":168,"intents":[{"intent":"Provide assistance","confidence_score":0.004371309}]},{"text":"I have sent you an email. Mhmm. If you have access to your emails. To your emails. Do you?","start_word":172,"end_word":190,"intents":[{"intent":"Provide email","confidence_score":0.0314305}]},{"text":"So what what we'll do is we'll start we're gonna go through the document just to explain the recommendations that I've researched and that we're making.","start_word":322,"end_word":347,"intents":[{"intent":"Address concerns and recommendations","confidence_score":0.000118062635}]},{"text":"potentially putting $50 a fortnight in. And we also did talk about potentially putting $50 a Yep. fortnight into your super fund as a salary sacrifice.","start_word":694,"end_word":719,"intents":[{"intent":"Discuss salary sacrifice","confidence_score":0.07283232}]},{"text":"And I can I can provide relevant tax financial planning tax information, Yep. but but I'm not an actual registered tax agent, so Okay.","start_word":846,"end_word":869,"intents":[{"intent":"Update tax information","confidence_score":0.042097308}]},{"text":"But the reason why we calculated that is to ensure that any recommendation we make is affordable and in your best interest.","start_word":998,"end_word":1019,"intents":[{"intent":"Recommend reducing expenses","confidence_score":0.00013206217}]},{"text":"But the reason why we calculated that is to ensure that any recommendation we make is affordable and in your best interest. So if Yeah.","start_word":998,"end_word":1022,"intents":[{"intent":"Clarify calculation","confidence_score":0.00063407596}]},{"text":"Though those underlying investments, as we discussed in our review, is the Benelong Australian Equities Fund, Mhmm. and that was due to underperformance. We're Yeah. recommending that it be replaced with the BetaShares Australian two hundred ETF.","start_word":1192,"end_word":1228,"intents":[{"intent":"Recommend switching to benelong australia etf","confidence_score":0.0030956122}]},{"text":"recommending that it be replaced with the BetaShares Australian two hundred ETF. Yeah.","start_word":1217,"end_word":1229,"intents":[{"intent":"Recommend replacing stocks with benelong australian etf","confidence_score":1.9787944e-7}]},{"text":"There's, yeah, there's some there's some great advantages of doing this. I'm gonna highlight the significant ones, and then I'm going to focus more on the disadvantages to make sure that a client is fully aware and can make an informed decision. Yep.","start_word":1324,"end_word":1366,"intents":[{"intent":"Highlight potential advantages","confidence_score":0.00010266809}]},{"text":"I'm gonna highlight the significant ones, and then I'm going to focus more on the disadvantages to make sure that a client is fully aware and can make an informed decision. Yep.","start_word":1335,"end_word":1366,"intents":[{"intent":"Highlight significant investments and disadvantages","confidence_score":0.0007152313}]},{"text":"We're gonna rebalance your portfolio, which all that means is we may sell down some small add a small holding of assets to top up other assets to make sure that your your allocation to, let's say, Australian net shares, international shares, fixed interest cash, etcetera, are in Yep. line with your risk high growth risk profile. Yep.","start_word":1417,"end_word":1474,"intents":[{"intent":"Rebalance portfolio","confidence_score":0.67131317},{"intent":"Discuss portfolio investments","confidence_score":0.0006469465}]},{"text":"line with your risk high growth risk profile. Yep.","start_word":1466,"end_word":1474,"intents":[{"intent":"Identify risks","confidence_score":0.0074465927}]},{"text":"With doing these investment changes, you will incur what they call brokerage, so trading costs. Yep.","start_word":1564,"end_word":1579,"intents":[{"intent":"Address investment costs","confidence_score":0.0028378263}]},{"text":"We did consider some alternatives. So we did consider another platform. For example, outside of my hub, we didn't proceed with that as an option because there was there were gonna be some significant capital gains tax that would have been payable from the super fund. Yeah.","start_word":1644,"end_word":1690,"intents":[{"intent":"Discuss hedge fund options","confidence_score":0.0005437953},{"intent":"Reconsider alternatives","confidence_score":0.003833573}]},{"text":"And we did look at other investment options or portfolios. Let's refer to them as, but they were discounted also because of the capital gains, and they had lower historical performance over the last one to three, five years. Yeah.","start_word":1692,"end_word":1731,"intents":[{"intent":"Review portfolio portfolios","confidence_score":3.118861e-7},{"intent":"Disclose benefits of investment options","confidence_score":0.0000010745305}]},{"text":"So underneath that, your projected balance, we only do very basic projections. By changing your portfolio at the bottom of page 16, it will show your current balance, your recommended I mean, sorry, your current allocation, your recommended allocation, and the difference. So by making Yeah.","start_word":1826,"end_word":1871,"intents":[{"intent":"Assess portfolio performance","confidence_score":0.00046502394}]},{"text":"So this shows you as a high growth investor, that first column will indicate what we would typically see your funds invested across. So you've got your Australian at 35%, international equities at 55%, cash at one, fixed interest at nine. Yep.","start_word":2081,"end_word":2122,"intents":[{"intent":"Inquire about investment","confidence_score":0.00042597487}]},{"text":"that's one of the benefits of it.","start_word":2444,"end_word":2450,"intents":[{"intent":"Discuss benefits","confidence_score":0.018583154}]},{"text":"that's one of the benefits of it. The other benefit is also that additionally into that, it's gonna Yes. reduce your taxable income each each year and by by a smidge at the moment, but we can review that over time.","start_word":2444,"end_word":2484,"intents":[{"intent":"Review benefits","confidence_score":0.013205287}]},{"text":"reduce your taxable income each each year and by by a smidge at the moment, but we can review that over time. But, also, it's gonna help to offset some of those insurance premiums and help you work Yeah.","start_word":2463,"end_word":2501,"intents":[{"intent":"Increase super income","confidence_score":0.0014178709}]},{"text":"So, essentially, what that means is $33 less in your pay packet a week. Yeah.","start_word":2655,"end_word":2669,"intents":[{"intent":"Calculate deductions","confidence_score":0.000867227}]},{"text":"So the benefits are that you're gonna grow your super in a tax effective way. So you're growing your super. You're probably reducing you're reducing your taxable income, which is a bonus, less tax For sure. payable. Yeah.","start_word":2709,"end_word":2746,"intents":[{"intent":"Grow super super","confidence_score":0.030971419}]},{"text":"Then on the page 24, we've got a recommendation for you to apply for trauma insurance through MetLife. Yep.","start_word":2846,"end_word":2864,"intents":[{"intent":"Application for trauma insurance","confidence_score":0.0003766624}]},{"text":"I have a I've added a little benefit on there, being child benefit.","start_word":2865,"end_word":2877,"intents":[{"intent":"Explain benefits of insurance","confidence_score":0.00034677197}]},{"text":"and cost, it's minimal, I I think, but let me get it the actual exact figure for you. I believe from memory, it's about $6 a month Yeah.","start_word":2999,"end_word":3026,"intents":[{"intent":"Explain cost for insurance","confidence_score":0.00006910097}]},{"text":"And with with trauma insurance on some of the conditions, there is what they call kind of like private health, Yeah. an exclusion or a waiting period. So it won't cover anything preexisting, but, for example, skin cancers might be excluded for three months, for Yes.","start_word":3181,"end_word":3226,"intents":[{"intent":"Confirm fund funding and eligibility for trauma insurance","confidence_score":0.0000025555062}]},{"text":"Now what I looked at in this is a generation life child investment bond. An investment Mhmm. bond is, I felt, the best investment vehicle given the long term investment objective given that Mila wouldn't you wouldn't want her accessing it till she's 25. Yep.","start_word":3277,"end_word":3321,"intents":[{"intent":"Request investment guidelines and recommendations for investment bond","confidence_score":3.8621646e-8}]},{"text":"The investment bond is taxed internally at a rate of 30%, so it won't be applicable it won't be applicable to your taxable income. So if it was held in a investment portfolio, you'd need to look include it in your tax each year. This is Yes.","start_word":3416,"end_word":3462,"intents":[{"intent":"Explain investment bond taxing and tax benefits in portfolios","confidence_score":1.4212902e-8}]},{"text":"After ten years, as long as we continue to meet all the relevant requirements, so that's Mhmm. no withdrawals for ten years, etcetera, Yep. the the funds can be withdrawn tax free. So, essentially, they're considered tax paid. So Okay.","start_word":3477,"end_word":3516,"intents":[{"intent":"Explain investment process","confidence_score":0.005805208}]},{"text":"the long the Yep. longevity of it, like, there'd be no capital gains tax, etcetera, that's why I opted to recommend an investment bond over an actual investment portfolio. Yeah.","start_word":3519,"end_word":3548,"intents":[{"intent":"Suggest investment bond","confidence_score":0.0008102457}]},{"text":"There's no limitations. Anytime within the ten years would reset the ten year period. Okay.","start_word":3563,"end_word":3577,"intents":[{"intent":"Explain limitations of investment","confidence_score":0.00047683407}]},{"text":"So the advantages are owner of Yes. it, if, you know, that changes or or, you know, at a certain age, you wanna change that for her. It is maxed out at 25.","start_word":3592,"end_word":3624,"intents":[{"intent":"Explain advantages of owner","confidence_score":0.003771832}]},{"text":"And your contributions are limited to a 125% of the previous year. So for example, if you made $1,010,000 dollars one year, and I'm only using this as example because it's easy for my afternoon math brain, Yeah.","start_word":3652,"end_word":3689,"intents":[{"intent":"Clarify contribution limit","confidence_score":0.18684866}]},{"text":"And your contributions are limited to a 125% of the previous year. So for example, if you made $1,010,000 dollars one year, and I'm only using this as example because it's easy for my afternoon math brain, Yeah. That's fine. It You'd helps be the work limit to me. thank you.","start_word":3652,"end_word":3702,"intents":[{"intent":"Clarify income limit","confidence_score":0.0003961944}]},{"text":"little rules that we talk about in relation to not resetting them. Yeah.","start_word":3770,"end_word":3782,"intents":[{"intent":"Explain investment rules","confidence_score":0.10181433}]},{"text":"which we've discussed, interest rate risk, so, you know, how interest rates are sorry.","start_word":3812,"end_word":3825,"intents":[{"intent":"Discuss interest rate risk","confidence_score":0.30933276}]},{"text":"We did consider investing in a bank account. The rate of return is Yep.","start_word":3885,"end_word":3898,"intents":[{"intent":"Review investment options","confidence_score":0.0052354718}]},{"text":"The recommended investments within that child bond on pay outlined on page 34 is Yeah.","start_word":4007,"end_word":4021,"intents":[{"intent":"Discuss investment recommendations","confidence_score":0.1780967},{"intent":"Discuss portfolio recommendations","confidence_score":0.19623171}]},{"text":"So the next page is cash flow outcomes on page 35.","start_word":4065,"end_word":4075,"intents":[{"intent":"Explain cash flow outcomes","confidence_score":0.0037182835}]},{"text":"And finally, the last ones are for you to establish a will, Yep. which we talked about, Yes. and a power of attorney, which we talked about. Yep.","start_word":4192,"end_word":4219,"intents":[{"intent":"Establish will","confidence_score":0.5958546}]},{"text":"These sections of the document just outline what we did discuss previously in the review, why they're important, Yeah.","start_word":4220,"end_word":4238,"intents":[{"intent":"Discuss documents","confidence_score":0.020416157}]},{"text":"These sections of the document just outline what we did discuss previously in the review, why they're important, Yeah. especially with Mila being a minor. And any to make sure that she's if anything was happened to you, both you and Tyrone at the same time, that she's not taken advantage of financially and so Yep. on.","start_word":4220,"end_word":4276,"intents":[{"intent":"Discuss financial benefits","confidence_score":0.026900876}]},{"text":"Well, I maybe if you want me to, I can help I can do an introduction of some kind. It's up to you. But probably something or maybe speak to Tyrone and see if he can have a similar one established through who helped him, Yeah.","start_word":4342,"end_word":4387,"intents":[{"intent":"Introduce to tyrone","confidence_score":0.023068408}]},{"text":"The next step is just to make sure you fully understand the advice in this plan. So even though you have the opportunity to sign today, I do encourage you to have a read of it before you do Yes. to make sure because sometimes, you know, this is information overload, and sometimes questions will come to you after the fact. Yes.","start_word":4476,"end_word":4537,"intents":[{"intent":"Understand plan","confidence_score":0.00030345557}]},{"text":"And you're calling off right, so you've got a fourteen day calling off period to cancel any insurance policy investment or product super fund if you do proceed.","start_word":4539,"end_word":4566,"intents":[{"intent":"Cancel insurance policies","confidence_score":0.026374614}]},{"text":"disclosure statements to make sure that you can access the information.","start_word":4617,"end_word":4627,"intents":[{"intent":"Access information","confidence_score":0.9589058}]},{"text":"So this is fees for us. So Yeah.","start_word":4648,"end_word":4655,"intents":[{"intent":"Pay fees","confidence_score":0.04433609}]},{"text":"And as the balance increases, that would that fee would obviously increase as well, but we would keep reviewing that and touching in every year to see if there Okay.","start_word":4797,"end_word":4826,"intents":[{"intent":"Review balance","confidence_score":0.5307198}]},{"text":"Because at a certain point, that may be changed to a $6 fee or something different. Cool.","start_word":4836,"end_word":4852,"intents":[{"intent":"Adjust fee","confidence_score":0.11793328}]},{"text":"So for the advice provided, we'd get two we would receive $2,042 approximately per annum, a Yep.","start_word":4877,"end_word":4893,"intents":[{"intent":"Receive premium","confidence_score":0.42362085}]},{"text":"How to implement the advice? So that is you'll see that it says Amy slash Oakview a few times. So it will be we'll we'll be working with you to implement the advice. Yep.","start_word":4931,"end_word":4964,"intents":[{"intent":"Implement advice","confidence_score":0.48078847}]},{"text":"So so that's where you give the directions to us as to what you wish to to go ahead with. If you wanna proceed with all of it, you just sign the document. Alright.","start_word":5064,"end_word":5097,"intents":[{"intent":"Sign document","confidence_score":0.8061037}]},{"text":"That will cover off your it's just some bay where we put the basic information. So there it'll give you a breakdown of the risk profile of how we you'll see that in a high growth investor again, the breakdown of where you'd say 35% typically in Australian shares, 55 in international shares, which we covered earlier. Yes.","start_word":5124,"end_word":5181,"intents":[{"intent":"Provide information","confidence_score":0.22975844}]},{"text":"The on page oh, sorry. The next section, important relationships and information. The important parts here is that the content in the SOA is based on the information you've provided us. So I've taken as many reasonable steps as possible to ensure that it it is the advice provided is in line with your personal financial situation.","start_word":5182,"end_word":5238,"intents":[{"intent":"Discuss relationships","confidence_score":0.0033839575}]},{"text":"The SOA itself is valid from sixty days from yesterday. So once we once it passes that sixty days, we do need to start the process again.","start_word":5240,"end_word":5266,"intents":[{"intent":"Start process","confidence_score":0.44034392}]},{"text":"The products recommended are appropriate to you. You know? However, there's no Yeah. guarantee on performance or stability as we've touched on and I'm sure you're aware of. But we the purpose of our reviews is to make sure that we stay on top of those things. So that's why those annual reviews are pretty important. Yeah. Cool.","start_word":5302,"end_word":5359,"intents":[{"intent":"Highlight investment recommendations","confidence_score":0.0036579596}]},{"text":"So just general information that you've covered off on previously because you've got your life and TPD in life TPD and income protection in your superannuation fund already. Amazing. Yeah.","start_word":5613,"end_word":5642,"intents":[{"intent":"Share information","confidence_score":0.0024512275}]}]},"sentiments":{"segments":[{"text":"Hello? Hi. Is this Amy? Yes. It is. Amy, it's Jenna from Oakview Financial Oh, hello. Phoning. How are How you? I'm well.","start_word":0,"end_word":22,"sentiment":"neutral","sentiment_score":0.10579343885183334},{"text":"I'm well. Thank you.","start_word":23,"end_word":26,"sentiment":"positive","sentiment_score":0.4374611377716065},{"text":"How are you? Yeah. Not too bad.","start_word":27,"end_word":33,"sentiment":"neutral","sentiment_score":0.2213335484266281},{"text":"Beautiful.","start_word":34,"end_word":34,"sentiment":"positive","sentiment_score":0.4864658117294311},{"text":"Just before I go any further, I just need Mhmm. to let you know that our calls are recorded for quality and coaching purposes. Is that okay? Yeah. That's fine.","start_word":35,"end_word":64,"sentiment":"neutral","sentiment_score":0.058646395802497864},{"text":"Fantastic.","start_word":65,"end_word":65,"sentiment":"positive","sentiment_score":0.5743187069892883},{"text":"And, Amy, I'll just ask if you can please confirm your full name, date of birth, and address. Yeah. It's Amy Lee Flux. My date of birth is the 10/13/1989, and my address is Unit 4898 Nicholson Street, Futurin North.","start_word":66,"end_word":105,"sentiment":"neutral","sentiment_score":0.08771011978387833},{"text":"Beautiful. Thank you for that. It's okay.","start_word":106,"end_word":112,"sentiment":"positive","sentiment_score":0.4667559862136841},{"text":"The reason I'm phoning today is to run through the advice preparation following our recent review. Yep. Do you still have time to go through that now? Yeah. That's okay. I'm just finishing work, so that is Okay. fine. Okay. Feel free to interrupt me anytime that you Yep. need to if you need to. Yeah. No worries. Okay. I have sent you an email. Mhmm. If you have access to your emails. To your emails. Do you? Yep. Yeah? Yeah. Yeah. I should do. I just got a sorry. Just locking a lock, and I'll open it up. One second. Absolutely fine. Thank you. Go sign. Okay. Alright. There it is. Oh, K. what have I done? A similar I'm sorry. process to the no. You're fine. The the review document is Yep. if you open it up and click sign, it should bring up some documents for us to go Yep. through, and we can work our way through that. Okay. We've got the slowest Internet in the world here today. So sorry. Okay. Here it is. It's always the way, isn't it? Okay. So is the document the first thing you're looking at, statement of advice, the first document? Yep. Yep. That's right.","start_word":113,"end_word":318,"sentiment":"neutral","sentiment_score":0.005353967659175396},{"text":"Great. Beautiful.","start_word":319,"end_word":320,"sentiment":"positive","sentiment_score":0.5316622853279114},{"text":"So what what we'll do is we'll start we're gonna go through the document just to explain the recommendations that I've researched and that we're making. So the cover Mhmm. page is it obviously is a statement of advice prepared for yourself based on your own personal and financial situation, Yep. and that it was prepared on the September 14 yesterday. Yep. The next page is the best interest duty. So it lists out the steps as an adviser that we must adhere to in order to satisfy the best industry standard for our clients. Mhmm. So that's identifying your financial situations, your needs, conducting research, identifying specific advice elements that the client being yourself may need. Mhmm. Consider if any advice that we give is reasonable from a financial product and from a client's personal perspective, and take any actionable steps that would be reasonably that would be regarded in your best Yep. interest. Cool. That's how we operate. Mhmm. The next one is a table of contents, Yep. and the following page is our scope of advice. So this is where we discuss or we outline what your Mhmm. goals were. Superannuation, you wanna keep track of your super a lot more and not just wing it, and you wanna be in the best options available to you. Yep. So in line with that, we've made a recommendation to review some of the investments within your Hub twenty four account that we talked about previous in your review. Yep. So we'll cover off on that.","start_word":321,"end_word":577,"sentiment":"neutral","sentiment_score":0.15901939570903778},{"text":"And insurance wise, you were happy with your current levels of life, TPD, and IP.","start_word":578,"end_word":592,"sentiment":"positive","sentiment_score":0.4471370875835418},{"text":"Yep. You were interested in in exploring trauma insurance as you had a Mhmm. friend recently diagnosed with leukemia. So we have made a recommendation for trauma within this document, which we'll go through. Yep. Estate planning, you'd like to make sure that Tyrone is nominated appropriate appropriately Yep. across your policies in Superfund. So we'll make sure that that is addressed accordingly. And then we did talk about looking into establishing a little nest egg for Mila aiming for access of around 25 years of age with with potentially access of around 25 years of age with Yes. with Mhmm. potentially putting $50 a fortnight in. And we also did talk about potentially putting $50 a Yep. fortnight into your super fund as a salary sacrifice. So they're the things we're gonna look at in this document. We're gonna walk through them, talk about them, and then at at the end I mean, anywhere throughout the conversation, interrupt me if you've got any questions at all. Okay. And and at the end, we can decide you can advise what you wish to proceed with. Sure. Okay. So the limited advice warning on the next page, it simply states that if if I don't have any full information Yep.","start_word":593,"end_word":801,"sentiment":"neutral","sentiment_score":0.046294709177393666},{"text":"provided that the information may not be appropriate. Also warning that I'm not a legal practitioner, Yep. so drafting of wills and powers of attorney need to be done so by a solicitor.","start_word":802,"end_word":834,"sentiment":"negative","sentiment_score":-0.4244970977306366},{"text":"I can't provide general insurance products advice, the house, car, etcetera. And I can I can provide relevant tax financial planning tax information, Yep. but but I'm not an actual registered tax agent, so Okay. from an Yep. income perspective? The about you section is based on the information that we completed in our annual review. So if any Yep. of that has changed, we would look at updating that. The wording at the bottom, when we spoke, you're uncertain about your surplus cash flow. So what I have done in my research is I've worked out that a pro you you net Mhmm. approximately $8.50 per week. $8.50 per week. This is just based on basic tax structure, so please let me know if it's incorrect at all. Yeah. Yeah. Subtracting your weekly expenses of $5.50, we've we've said that you've got about 300 a week, and those are pretty fixed figures. Obviously, each week is variable, which we all understand. Yeah. But the reason why we calculated that is to ensure that any recommendation we make is affordable and in your best interest. So if Yeah.","start_word":835,"end_word":1022,"sentiment":"neutral","sentiment_score":-0.08292416483163834},{"text":"any of that is incorrect at any time, please let me know.","start_word":1023,"end_word":1034,"sentiment":"negative","sentiment_score":-0.3637266457080841},{"text":"Yep. It could change the outcome. Okay. The lifestyle assets and liabilities and your current superannuation and your current risk portfolio protection, that just outline outlines your personal and financial information that we discussed in your review. So Yep. those details and your risk the following page is your risk profile. So that's being high growth. Yep.","start_word":1035,"end_word":1091,"sentiment":"neutral","sentiment_score":0.06979379567660783},{"text":"During our review, you agreed that you would be comfortable to continue with a high growth allocation, which, again, just touching on it means that you are happy to have about 90% of your assets invested in growth assets and a 10% in a defensive portfolio or sector.","start_word":1092,"end_word":1139,"sentiment":"positive","sentiment_score":0.34356287121772766},{"text":"Yep. Is that still are you still comfortable with that?","start_word":1140,"end_word":1149,"sentiment":"neutral","sentiment_score":0.1324305534362793},{"text":"Yeah. Fantastic.","start_word":1150,"end_word":1151,"sentiment":"positive","sentiment_score":0.47109055519104},{"text":"Okay. The next this is where the actual in the advice starts. So the Okay. first the first lot of advice, strategy recommendations is that you retain your hub, and we're gonna make some switches to the underlying investments. Yep. Though those underlying investments, as we discussed in our review, is the Benelong Australian Equities Fund, Mhmm. and that was due to underperformance. We're Yeah. recommending that it be replaced with the BetaShares Australian two hundred ETF. Yeah. It is lower cost. It has it will increase the diversification across the portfolio. Yep. So it it it it is designed to maintain consistency in your portfolio along with what Benelon was designed to do and reach Yes. a long term objective, it's just a bit more cost efficient because it is an ETF instead of a managed fund. Yeah. Okay. So it's gonna it's what it will do is provide an estimated cost saving saving of approximately 305 per annum in your investment Okay. fees, Yep.","start_word":1152,"end_word":1317,"sentiment":"neutral","sentiment_score":0.10244569927453996},{"text":"which is nice. That love that. There's, yeah, there's some there's some great advantages of doing this.","start_word":1318,"end_word":1334,"sentiment":"positive","sentiment_score":0.41678544878959656},{"text":"I'm gonna highlight the significant ones, and then I'm going to focus more on the disadvantages to make sure that a client is fully aware and can make an informed decision. Yep. So one of the the benefits of it is that by making this switch, there is actually gonna be no capital gains tax Okay. within within the portfolio. So because Benelon was operating at a loss, Yep. there's no capital gains within the superannuation fund that would be applicable. Mhmm. We're gonna rebalance your portfolio, which all that means is we may sell down some small add a small holding of assets to top up other assets to make sure that your your allocation to, let's say, Australian net shares, international shares, fixed interest cash, etcetera, are in Yep. line with your risk high growth risk profile. Yep. The negatives or disadvantages, if we put it that way, is, obviously, there is no guarantee that the recommended portfolio will always outperform. Yeah. So Yeah. that you know, we can't rely on past performance. It's not indicative of future performance. The rebalancing will incur some Oh, sorry. brokerage. No. You're you're absolutely fine. Are you okay? Yeah. I'm just, yeah, just locking up my shed. Oh, okay. I was I was hoping you didn't hurt yourself last time. No. No. No. No. I'm That's glad. okay. Okay.","start_word":1335,"end_word":1562,"sentiment":"neutral","sentiment_score":0.01988611394833577},{"text":"Beautiful.","start_word":1563,"end_word":1563,"sentiment":"positive","sentiment_score":0.3723176419734955},{"text":"With doing these investment changes, you will incur what they call brokerage, so trading costs. Yep. They're they're what is that word I'm thinking of? They're aggregated together, so the costs Yes. are quite minimal compared to an actual trade itself. Okay. So there are some costs in that. Yes. I believe they're quite minimal, but, yeah, it is a dis event it is something that you need to be aware of when we're rebalancing your portfolio. Yeah. No worries. We did consider some alternatives. So we did consider another platform. For example, outside of my hub, we didn't proceed with that as an option because there was there were gonna be some significant capital gains tax that would have been payable from the super fund. Yeah. Okay. And we did look at other investment options or portfolios. Let's refer to them as, but they were discounted also because of the capital gains, and they had lower historical performance over the last one to three, five years. Yeah. So that's the first lot. Any questions? No. All good. It's Okay. making sense so far. Mhmm.","start_word":1564,"end_word":1748,"sentiment":"neutral","sentiment_score":-0.02468774358968477},{"text":"Beautiful.","start_word":1749,"end_word":1749,"sentiment":"positive","sentiment_score":0.6916873455047607},{"text":"On page 16, it's a important part. This is the fee comparison. So it's a Yep. recommended. And the main difference you're gonna find, it was they should be all very similar except for the investment fee line. You'll see that the the recommended is quite lower. And Yes. you'll see the net contributions column is a little bit bigger because we have recommended a salary sacrifice if Okay. you shall Yep. proceed with it. Yeah. So underneath that, your projected balance, we only do very basic projections. By changing your portfolio at the bottom of page 16, it will show your current balance, your recommended I mean, sorry, your current allocation, your recommended allocation, and the difference. So by making Yeah. the the changes, that's what we recommend the difference in Yep. Cool. the balance will be. Okay. Over on page Mhmm. 18, this is just a breakdown of what we will do with your portfolio. So Yep. you'll see along the top line, you'll see that along Australian Equities has a negative 26,000 figure in red. Everything Yep. in red with a negative is what we're selling down, Okay. and and then anything in black is what we're topping up. So that's to Okay. rebalance. So Europe, for example, if we look at the iShares Europe, you'll see what your current balance is at $5,065. We Mhmm. we Yeah. want that allocated around 5%. So we're gonna we're we're gonna sell down approximately $536 of that asset to reduce it and invest elsewhere along your portfolio. Mhmm. Mhmm. So that's a rebalance what we're doing there. You'll see that it's it's probably more applicable to the iShares S and P five hundred and the iShares Asia. We're Okay. a Yep. little bit over, and we wanna bring that back down. Okay. Any any questions about that? No. That makes sense.","start_word":1750,"end_word":2061,"sentiment":"neutral","sentiment_score":0.03661268949508667},{"text":"Looking at that, and that's all good.","start_word":2062,"end_word":2068,"sentiment":"positive","sentiment_score":0.4285610914230346},{"text":"Okay. Okay. The next section is the proposed asset allocation table. So this shows you as a high growth investor, that first column will indicate what we would typically see your funds invested across. So you've got your Australian at 35%, international equities at 55%, cash at one, fixed interest at nine. Yep. Your portfolio, the next column shows your existing allocation, Yep. and then the next column over is the proposed. So you'll see Yes. that we increase a bit to your Australian equities. We decrease a bit to your Mhmm. international equities. We decrease the cash a little bit, Yeah. and we increase the fixed interest a little bit. So that's just to bring it back to not necessarily in line with the growth and defensive as a group. It's bringing your your underlying sectors for the Australian equities back in line. So your Australian Yep. equities had dropped about 5%. So we wanted to bring that back up to closer to the 35% mark. Does Okay. that make sense? Yeah. It does. Okay.","start_word":2069,"end_word":2244,"sentiment":"neutral","sentiment_score":0.08330210158601403},{"text":"It's Fantastic. good to have a visual for sure. The visuals help just in because there's so much that goes there's so much words in these documents.","start_word":2245,"end_word":2271,"sentiment":"positive","sentiment_score":0.4797600209712982},{"text":"The visuals help to explain what the actual purpose is Yeah. and why why it's necessary. Yeah. The next section is make a sacrifice contribution. Now we talked about this, and it just came up in our review in relation to your insurance premiums being funded through super and Mhmm. how that can have an impact on your retirement balance at the when you go to retire. Yep. You said that you prob you wouldn't miss about $50 a fortnight. Yes. So what I've done is I've had a look, and I've made an invest I've made a recommendation that you do set up a $50 per fortnight salary sacrifice arrangement with your employer. Yeah. The benefits are it's you're you're you're contributing it pretax. So the money that goes in there is taxed at a rate of 15% of super instead of coming to you, and Mhmm. then you're doing it being taxed at you personally, Yep. and then you're making a contribution to super. So it's pretax money.","start_word":2272,"end_word":2441,"sentiment":"neutral","sentiment_score":0.0353205822627334},{"text":"So Yep. that's one of the benefits of it.","start_word":2442,"end_word":2450,"sentiment":"positive","sentiment_score":0.4403334856033325},{"text":"The other benefit is also that additionally into that, it's gonna Yes. reduce your taxable income each each year and by by a smidge at the moment, but we can review that over time. But, also, it's gonna help to offset some of those insurance premiums and help you work Yeah. towards that retirement Yeah. goal.","start_word":2451,"end_word":2506,"sentiment":"neutral","sentiment_score":0.16647495329380035},{"text":"Cool.","start_word":2507,"end_word":2507,"sentiment":"positive","sentiment_score":0.6111758947372437},{"text":"So on page 22, it does give you a table, a visual again, to help break that down. Yep. So it's got your current position versus proposed. The current is with no salary sacrifice, and proposed is with salary sacrifice. You'll see at the bottom, the net income variance over the whole year is 864. So that's you're not gonna see $864 in your pay packet each year. Yeah. It seems So like even when you when you think about it over a year, like, well, whatever. That's fine. yes. Yeah. It I know I know what you mean. Like, when we break it down, I understand because I do it myself personally. So, yes, so that's what it would be to you receiving your income. So if we broke Yeah. that down over let's have a quick look because I'm a figures person.","start_word":2508,"end_word":2651,"sentiment":"neutral","sentiment_score":0.13168217241764069},{"text":"I like it.","start_word":2652,"end_word":2654,"sentiment":"positive","sentiment_score":0.5671501159667969},{"text":"So, essentially, what that means is $33 less in your pay packet a week. Yeah. So Right. even though you're doing $50, that's with pretax money. So after tax and when you get your pay, it'll be $33 Yeah. less. Yeah.","start_word":2655,"end_word":2695,"sentiment":"neutral","sentiment_score":0.1549394428730011},{"text":"Cool. That's what you'll see in your in your pay packet. Yeah. Cool. So the benefits are that you're gonna grow your super in a tax effective way. So you're growing your super. You're probably reducing you're reducing your taxable income, which is a bonus, less tax For sure.","start_word":2696,"end_word":2744,"sentiment":"positive","sentiment_score":0.5194113850593567},{"text":"payable. Yeah. Yeah. So the the disadvantages is is that you that money that you are putting into superannuation, the $50 a fortnight, you can't access until you reach preservation age, which is age 60. So it is Yeah. gonna get locked away. You will have a a reduced net income, which we've just talked about of how much that would be per fortnight. Yes. And, yeah, superannuation contributions are taxed at 15%. So it's taxed in the same way that they're taxed when your employer's putting them in. Yeah. Cool. Any questions about that? No. That's good. That's fine. No? Then on the page 24, we've got a recommendation for you to apply for trauma insurance through MetLife. Yep. I have a I've added a little benefit on there, being child benefit. So, basically, what it means is as per our review, we did talk about trauma and the benefits of it. I've recommended a some insured of 237,000, and what that Yep. is intended to do is provide a lump sum benefit to help you support your financial kit commitments and greater flexibility. So there is some allowance in there to cover some of that debt that you had, the smaller fixed debt, but also Yeah. help with out of pocket medical expenses and give you that financial flexibility to recover and Tyrone to be there for you and help with Mila as needed. Yes. The reason why I've added child cover in there is because from a cash flow perspective Yeah. and cost, it's minimal, I I think, but let me get it the actual exact figure for you. I believe from memory, it's about $6 a month Yeah. included Right. in that $69 per month that the premium would cost you. And it's Yes. a it covers up to 10% of your trauma cover. So 23,700 if Mila is diagnosed with a specified serious illness, which is gonna just allow you to have some financial flexibility to focus on Mila should something have happened yesterday. I Yeah. use yesterday as example to focus on her recovery as opposed to worrying about financial concerns and stress. Mhmm. Yeah. Cool. Yes. Yes.","start_word":2745,"end_word":3108,"sentiment":"neutral","sentiment_score":0.021653927934284393},{"text":"Thank you.","start_word":3109,"end_word":3110,"sentiment":"positive","sentiment_score":0.48642846941947937},{"text":"$69.39 per month. Yep. Yeah. So I think I've gone through the advantages for you.","start_word":3111,"end_word":3125,"sentiment":"neutral","sentiment_score":0.09552891552448271},{"text":"The disadvantages are it is funded that does need to be funded out of your personal cash flow.","start_word":3126,"end_word":3143,"sentiment":"negative","sentiment_score":-0.41556188464164734},{"text":"Yeah. You do need to go through underwriting. So you would have been through that previously with your other cover with your other covers, but we'll obviously walk you through that should you decide to proceed. Yep. And with with trauma insurance on some of the conditions, there is what they call kind of like private health, Yeah. an exclusion or a waiting period. So it won't cover anything preexisting, but, for example, skin cancers might be excluded for three months, for Yes. example. So we go through that in a little bit. Okay. So that's the that's trauma insurance. Any questions there? No. That's all good. No? Okay. And then the final or not the final, but one of the other recommendations was to build a financial nest egg for Mila. Yep. Now what I looked at in this is a generation life child investment bond. An investment Mhmm. bond is, I felt, the best investment vehicle given the long term investment objective given that Mila wouldn't you wouldn't want her accessing it till she's 25. Yep. So what we have what I've done is I've recommended a lump sum minimum investment of a thousand dollars. That's the minimum to open the account Okay. and then start a regular contribution of $50 per fortnight over Yep. the course of the time until Okay. Mila is 25 years of age. Yep. Alright. So the benefit of that is and why we want an investment bond over an investment, you know, a portfolio, for example, similar to what you've got with hub twenty four for your super, is that there's a few reasons. The investment bond is taxed internally at a rate of 30%, so it won't be applicable it won't be applicable to your taxable income. So if it was held in a investment portfolio, you'd need to look include it in your tax each year. This is Yes. this is taxed internally, so it does not need to be included. Okay. After ten years, as long as we continue to meet all the relevant requirements, so that's Mhmm. no withdrawals for ten years, etcetera, Yep. the the funds can be withdrawn tax free. So, essentially, they're considered tax paid. So Okay. given that Right. the long the Yep. longevity of it, like, there'd be no capital gains tax, etcetera, that's why I opted to recommend an investment bond over an actual investment portfolio. Yeah. Okay. That You makes can sense. still act yeah. You can still access it. There's no limitations. Anytime within the ten years would reset the ten year period. Okay. Yep. Does Yep. that make sense? Yeah. It does. Yeah. Yeah.","start_word":3144,"end_word":3588,"sentiment":"neutral","sentiment_score":0.04843264233865095},{"text":"Okay. Fantastic. Beautiful.","start_word":3589,"end_word":3591,"sentiment":"positive","sentiment_score":0.5694775581359863},{"text":"So the advantages are owner of Yes. it, if, you know, that changes or or, you know, at a certain age, you wanna change that for her. It is maxed out at 25. I believe I'd need to double check that. Yep. But we you have full ownership control, and you can change the until she reaches age 25. Okay. And your contributions are limited to a 125% of the previous year. So for example, if you made $1,010,000 dollars one year, and I'm only using this as example because it's easy for my afternoon math brain, Yeah. That's fine. It You'd helps be the work limit to me. thank you. It it means that you'd be limited to make an annual contribution of 12,500 the following year. So you can't make Okay. Yep. more than so you are limited. So if that's why if you do a regular contribution, Yeah. it works well because you're not gonna exceed that 125%. If Yeah. you Cool. do, then the ten year period starts again. So those are the Yeah. little rules that we talk about in relation to not resetting them. Yeah. Okay. It enables a long term investment for Mila. The the warnings are always in investing is, you know, it's it's subject to market risk, so volatility, Yes. which we've discussed, interest rate risk, so, you know, how interest rates are sorry. Lost my train of thought. US or Australian, for example, when they do their interest rate changes and it can impact the market, you know, Yeah. it can impact the portfolio, investment manager risk, and so on. So there's there's risks throughout the portfolio, but as long as you're aware of those, it goes into Yeah. a bit more detail. We did consider investing in a bank account. The rate of return is Yep.","start_word":3592,"end_word":3898,"sentiment":"neutral","sentiment_score":0.03359214158225137},{"text":"not great.","start_word":3899,"end_word":3900,"sentiment":"negative","sentiment_score":-0.3751603960990906},{"text":"Okay. So Yeah. that was discounted. That's what I that because I was like, maybe I should and I was like, no. That's just gonna be sitting there and doing not very much for such a Yeah. long time. They might have Yeah. yeah. Yep. I have these for my children, so I'm not I'm not saying Yeah. for example, I'm not I am practicing what I preach, basically. So I believe in them. And as I mentioned, we also considered an IDPS account, which is an investment account similar to your hub 24, but not Yeah. super, and Yes. the reasons why we discounted that. The recommended investments within that child bond on pay outlined on page 34 is Yeah. the Vanguard conservative portfolio. So that's 10% we would want in defensive assets with Yes. your growth assets being generation life tax effective Australian share fund and the Hyperion Global Growth Companies Fund. So that's your international and Australian exposure right there. Yes. So the next page is cash flow outcomes on page 35. This will show you if you do proceed with the advice. Again, a visual to make it nice and easy because there is Yes. a lot in these documents. We estimated a $300 a week surplus, which, again, if that's incorrect, Yeah. please advise. But the the total of the recommendations for the cost, so you've got your salary sacrifice, the bond contribution for Mila, and the Yep. Yep. and then build your your super investment portfolio. Yep.","start_word":3901,"end_word":4153,"sentiment":"neutral","sentiment_score":0.04689033329486847},{"text":"It still Cool. leaves you with a surplus cash flow of around 12,600. So I we just like to put in those little visuals to make sure that you can make an informed Yeah.","start_word":4154,"end_word":4187,"sentiment":"positive","sentiment_score":0.3711141347885132},{"text":"decision. Yeah. For sure. And finally, the last ones are for you to establish a will, Yep. which we talked about, Yes. and a power of attorney, which we talked about. Yep. These sections of the document just outline what we did discuss previously in the review, why they're important, Yeah. especially with Mila being a minor. And any to make sure that she's if anything was happened to you, both you and Tyrone at the same time, that she's not taken advantage of financially and so Yep. on. So they're they're important documents for you and Tyrone to get established. He's got one. He's better at He's this stuff got than me.","start_word":4188,"end_word":4300,"sentiment":"neutral","sentiment_score":0.04624812080796841},{"text":"oh, good.","start_word":4301,"end_word":4302,"sentiment":"positive","sentiment_score":0.3781066834926605},{"text":"Did I I did send you through the the ref did I send you through the brochure? I'm just actually having a quick look if I I did do I'm sure I browsed it briefly. that. Yep. That's okay. Well, I maybe if you want me to, I can help I can do an introduction of some kind. It's up to you. But probably something or maybe speak to Tyrone and see if he can have a similar one established through who helped him, Yeah. if you like. Yeah. Yeah. Yeah. I might chat to him and see. Yeah. Yeah. Definitely. Yeah. Yeah. It's important both of you have one in place. Definitely. Yeah. That's all. Okay. Then on page 41 is the ongoing services. So we'll continue to meet with you on your reviews. We'll review your portfolio, your insurances. Sorry. Excuse me. And, obviously, you can Yep. speak to us any at any time when when you need to seek advice or if you've got any questions.","start_word":4303,"end_word":4471,"sentiment":"neutral","sentiment_score":0.08850938826799393},{"text":"Yeah. Amazing. Important information.","start_word":4472,"end_word":4475,"sentiment":"positive","sentiment_score":0.4502816498279571},{"text":"The next step is just to make sure you fully understand the advice in this plan. So even though you have the opportunity to sign today, I do encourage you to have a read of it before you do Yes. to make sure because sometimes, you know, this is information overload, and sometimes questions will come to you after the fact. Yes. And you're calling off right, so you've got a fourteen day calling off period to cancel any insurance policy investment or product super fund if you do proceed. Yep. Within this document that has been sent to you are all the PDFs. So that will be the PDF for hub twenty four, Yep. the PDF for MetLife, who's the trauma provider, and the PDF for generation life for Life for the investment bond. So they're the product Mhmm. Yep. disclosure statements to make sure that you can access the information. Yep. And the next the next document oh, sorry. Next document. The next page is this will go over remuneration. So this is fees for us. So Yeah. you'll see from an implementation perspective, there is zero from the investment bond and the super balance. Yep. And the MetLife insurance, we are paid by commission through MetLife for insurance policies. So that's MetLife paying us that $550, not Yep. yourself. The next page is the ongoing remuneration. So, again, same as we'd already talked about with your super balance, it's fixed at 1.65%, which shows you the the dollar figure in the right Yep. hand column. Yep. Yeah. What we do with the investment bonds, we usually charge a $750 fee upfront to establish those. But given that would take up a significant amount of your initial investment, we've waived that, and we're gonna charge 1.1% of the investment balance ongoing instead. So for the first couple Okay. of years, it's gonna be around the $25 mark annually. Yep. And as the balance increases, that would that fee would obviously increase as well, but we would keep reviewing that and touching in every year to see if there Okay. are any changes when that needs to be made. Because at a certain point, that may be changed to a $6 fee or something different. Cool. Yeah.","start_word":4476,"end_word":4853,"sentiment":"neutral","sentiment_score":-0.011544816629596487},{"text":"Cool. Thank you.","start_word":4854,"end_word":4856,"sentiment":"positive","sentiment_score":0.5047941207885742},{"text":"And and then the 22% of the premium, again, is paid by MetLife. So that's in an ongoing basis. Yep. So for the advice provided, we'd get two we would receive $2,042 approximately per annum, a Yep. combination from your super insurance premium and the investment bonds. Does that make sense? Types Okay. It does. Yeah. of recommendations types of recommendations being made. Yep.","start_word":4857,"end_word":4920,"sentiment":"neutral","sentiment_score":0.14507038076408207},{"text":"Again, the remuneration, so it summarizes it again for you.","start_word":4921,"end_word":4930,"sentiment":"positive","sentiment_score":0.3363417685031891},{"text":"How to implement the advice? So that is you'll see that it says Amy slash Oakview a few times.","start_word":4931,"end_word":4949,"sentiment":"neutral","sentiment_score":0.2383342981338501},{"text":"So it will be we'll we'll be working with you to implement the advice.","start_word":4950,"end_word":4963,"sentiment":"positive","sentiment_score":0.3500618636608124},{"text":"Yep. And then the next section is where you sign should you wish to proceed. Okay. Now Cool. I think an important part here when you do, what with what you decide, you'll see a box that has an area for you to free type above Yeah. please sign below. Mhmm. If there's any part of the advice that you want to change or you don't wanna proceed with, you just type it there. So for Okay. example, if you wanna go with everything except sacrifice, you'd say, please proceed with all advice, but not sacrifice, for Yeah. example. Okay. So so that's where you give the directions to us as to what you wish to to go ahead with. If you wanna proceed with all of it, you just sign the document. Alright. Right.","start_word":4964,"end_word":5098,"sentiment":"neutral","sentiment_score":0.10081002861261368},{"text":"Thank you.","start_word":5099,"end_word":5100,"sentiment":"positive","sentiment_score":0.42677950859069824},{"text":"The next one, very, very briefly, is Yep. the appendices. So we use you should see appendix to statement of advice. Mhmm. Yep. That will cover off your it's just some bay where we put the basic information. So there it'll give you a breakdown of the risk profile of how we you'll see that in a high growth investor again, the breakdown of where you'd say 35% typically in Australian shares, 55 in international shares, which we covered earlier. Yes. The on page oh, sorry. The next section, important relationships and information. The important parts here is that the content in the SOA is based on the information you've provided us. So I've taken as many reasonable steps as possible to ensure that it it is the advice provided is in line with your personal financial situation. Yep. The SOA itself is valid from sixty days from yesterday. So once we once it passes that sixty days, we do need to start the process again. Yep. So we Mhmm. just make everyone aware of that just because financial you know, situations can change, Yes. and sixty days just tries to make ensure it remains as current as possible. Possible? Yep. The products recommended are appropriate to you. You know? However, there's no Yeah. guarantee on performance or stability as we've touched on and I'm sure you're aware of. But we the purpose of our reviews is to make sure that we stay on top of those things. So that's why those annual reviews are pretty important. Yeah. Cool. The and then it just covers off on a few details like tax. We've, you know, we've made every effort to make sure the taxes considered as much as possible. Projections are based on quite conservative figures, So we don't like to inflate them. So Yes.","start_word":5101,"end_word":5405,"sentiment":"neutral","sentiment_score":0.1021990138732019},{"text":"because they're not realistic.","start_word":5406,"end_word":5409,"sentiment":"negative","sentiment_score":-0.3671312034130096},{"text":"Yes. Yep. Yep. So and then you've got your investment PDSs. So in this document that you've got attached following is your hub 24 MetLife and investment generation life PDSs. This section Yep. of the SAOA will just give you links to the underlying investments that we've made a recommendation Yep. to. So they all have their own relevant product disclosure statements. So that's a link to all of those for you.","start_word":5410,"end_word":5481,"sentiment":"neutral","sentiment_score":0.11912162601947784},{"text":"Awesome. Amazing. Nearly there.","start_word":5482,"end_word":5485,"sentiment":"positive","sentiment_score":0.49033302068710327},{"text":"And but the next page is your investment returns. So this is if you were to do in the SOA, it shows you your projected returns over the five and ten years, including a salary sacrifice recommendation. This one Yep. here is the alternative just so you've got the information again to make an informed decision if you were to do no salary sacrifice so you can compare those five and ten year benefits and and what Mhmm. it's worth Okay. Yep. in the long run. Yep. Yeah. That and the next two pages, it just explain, you know, investment return methodology. So how we how we calculate the returns in a conservative nature. And then Yes. the the next page is life insurance through superannuation. So just general information that you've covered off on previously because you've got your life and TPD in life TPD and income protection in your superannuation fund already.","start_word":5486,"end_word":5639,"sentiment":"neutral","sentiment_score":0.1263916790485382},{"text":"Amazing. Yeah. Cool.","start_word":5640,"end_word":5642,"sentiment":"positive","sentiment_score":0.46757110953330994},{"text":"Just quickly, any No. questions?","start_word":5643,"end_word":5647,"sentiment":"neutral","sentiment_score":0.046027421951293945},{"text":"That's all good.","start_word":5648,"end_word":5650,"sentiment":"positive","sentiment_score":0.3668559193611145},{"text":"I'm gonna have to No. sit down and look through it all when I'm not on the street with all this traffic, though, but that's okay. I completely understand. I completely understand. Sorry So once if you you can hear, have had like, a motorbikes chance and stuff going through. Oh my god. oh, that's fine. That's all.","start_word":5651,"end_word":5708,"sentiment":"neutral","sentiment_score":0.000580491847358644},{"text":"Absolutely. That's fine.","start_word":5709,"end_word":5711,"sentiment":"positive","sentiment_score":0.3656074702739715},{"text":"Once you go through it, if you've got any questions, feel free to give me a call, send me an email, Yeah. whatever method is best for you. Sure. And I'll just briefly touch on the other documents within the email you've received. You've got our financial services guide again, which you received recently Yep. in our review. You have the hub 24 PDSs Yep. enclosed along with the generation life investment options PDF and the MetLife insurance PDF. Mhmm. So they're really helpful to look at for if you wanted to have a look at what the trauma policy will cover you, Yeah. what definitions, have a look at the MetLife PDF under trauma, and you'll see, for example, some of those conditions or diagnoses, we should say, where you would be covered. Yeah. Cool. Yeah. Sorry for we're talking a lot. I know Oh, there's that's a lot okay. of information. I bet you're tired after a Oh, long day. no. No. Not at all. Not at all. I know that there's a lot of information there to digest. So please, again, if you have any any questions after having a read through it, Yep. just reach out, and I will make contact with your preferred method, and we can go through them.","start_word":5712,"end_word":5926,"sentiment":"neutral","sentiment_score":0.04146303981542587},{"text":"Awesome. Thank you so much.","start_word":5927,"end_word":5931,"sentiment":"positive","sentiment_score":0.5776390433311462},{"text":"Nope.","start_word":5932,"end_word":5932,"sentiment":"neutral","sentiment_score":0.1870727986097336},{"text":"You are absolutely welcome.","start_word":5933,"end_word":5936,"sentiment":"positive","sentiment_score":0.42292389273643494},{"text":"I hope that that it doesn't put you to sleep whilst reading it. It'll be okay.","start_word":5937,"end_word":5952,"sentiment":"neutral","sentiment_score":0.20369872450828552},{"text":"It'll be fine. Alright. Fantastic. Cool.","start_word":5953,"end_word":5958,"sentiment":"positive","sentiment_score":0.5502249598503113},{"text":"Did you want me to give you a follow-up in any period of time, or are you you are okay to read and then come I'll back to read me? it through. And then if I got any questions, I'll give you a call.","start_word":5959,"end_word":6002,"sentiment":"neutral","sentiment_score":0.14542879164218905},{"text":"Okay. Beautiful. But, yeah, it should be fine.","start_word":6003,"end_word":6010,"sentiment":"positive","sentiment_score":0.4328688383102417},{"text":"But I'll be in touch if I'm confused or lost or anything like that. Okay. Alright. Okay.","start_word":6011,"end_word":6027,"sentiment":"neutral","sentiment_score":0.06635822355747223},{"text":"That's that's absolutely fine. Well, thank you so much for your time, Amy. And, hopefully, I can let you go so you can get off the street and go do what you gotta do Going next.","start_word":6028,"end_word":6063,"sentiment":"positive","sentiment_score":0.5623546242713928},{"text":"to a quiet place.","start_word":6064,"end_word":6067,"sentiment":"neutral","sentiment_score":0.26249825954437256},{"text":"Thank you very Yeah. much, Jenna. Have a good afternoon. You too, Amy. Enjoy. Bye.","start_word":6068,"end_word":6082,"sentiment":"positive","sentiment_score":0.5577749609947205},{"text":"Bye.","start_word":6083,"end_word":6083,"sentiment":"neutral","sentiment_score":0.23429402709007263}],"average":{"sentiment":"neutral","sentiment_score":0.07493434387542272}}}}