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Is now a good time for you? Perfect. Just before we jump into that one, Jesse, just because it has been that couple of weeks since we last spoke, can I just confirm that nothing sort of changed in regards to your your details in regards to occupation, personal circumstances, things like that? Perfect. And just before I send this out there, Jesse, if I could just confirm your full name, date of birth, and current address to send you this document? Brilliant. Thanks for that one. And can I just confirm your email is j.j.welsh@hotmail.com? Perfect. So these documents will come through shortly. Now in this pack here, you'll have it's by Otusign. I'm not too sure what signing services you probably used in the past. But with one here, you'll have some listed attachments. So you'll have a copy of your statement of advice, The appendix to your statement of advice. Also, the PDF is in regards to the documents that we are sort of recommending, the products we're recommending, the quote to have a look at, and then there is a signable portion that's for our link as well. Now in the signable portion there, it's a little bit different in terms of what is in there. So there's also a lost super research form, a third party authority, a tax file opt in form. These obviously all in the event that you did come on board as a client. I'm just letting you know what's coming out in the packet. I know it sounds like a lot coming at you. And then with that, you'll have a copy of your fact find that we used to build the advice and also your risk profile with that. Now do you have any questions in regards to that or the the documents that will be coming out today? Perfect. So that'll be there shortly. Just let me know when it pops up, and then we can run through everything there together. It may just take a second, these larger ones. Okay. Not a problem. While that is coming through there as well, I'll just get a start on sort of the start of the document there. So it was finalized on the March 17, which was yesterday and there in terms of the the document itself where it was sort of printed to a PDF. Now we that you do have thirty days from the day to be able to sign that with no sort of changes. Obviously, you did confirm nothing's changed. You do have another thirty format if you did want some extra time and confirm your details again that nothing has changed as well. Now as far as the document itself, it's created for yourself. It is personalized advice from myself, Kyle, getting us an authorized representative under Oakview Financial. You can look us both up. We're both both legit. You know, we come up with all the registries. You can also have a look on the website if you know and to know a little bit about me, myself, the the team as well. As far as best interest duty is concerned, we don't make a recommendation unless we can put you in best interest. It's kinda what we're bound by. So based on the research we do, if we can't put you in a better decision, we won't recommend it. We'll sort of just knock you back and give you a bit of general advice on the way. As far as the scoping of the advice, now the main portions in which we're addressing in the advice piece, I know you sort of just wanna keep it simple, stupid. There's the superannuation insurances and estate planning. Now superannuation was obviously a key point with not being happy with your current fund, the returns, and just the fund itself. Insurances obviously wanting to look at having a bit more cover to cover not only sort of just the the debt there, but have a little bit extra as well and making sure the family's protected. And then also this the estate planning. I know you sort of weren't too fast on that. You haven't really given it much thought, but we just made a recommendation on how you can sort of put a few things in place to be able to better protect yourself if something were to happen there. As far as things we did consider but didn't sort of provide advice on this time around was we look at your budgeting savings. I know you're sort of happy managing that yourself. You're saving quite well in terms of what you're managing to put away. So we didn't really see a need to touch on that, and you didn't see a need to receive advice on that. We can send you just a copy of the budget planner if you ever did wanna sort of just utilize it for your daily budget. I know sort of a lot of people, you know, it's all up in their head what was coming out when, but sometimes it does help to put it on a bit of paper as well just to be able to follow it and track it a bit better, see how many subscriptions are there, and maybe a few that could go. Then also in regards to debt management, I know you're sort of tracking quite well with that in regards to the debt you do hold on your your primary residence and reducing that down. You do also have access to the mortgage brokers here if you ever do wanna look at refinancing investment properties down in the future, things like that as well. I know you sort of mentioned investment property at a later date. They're not sort of looking at it now. Even if you wanted to come on board, if you did wanna sort of just get a referral to one of the mortgage brokers, that's more than fine as well. We don't sort of, you know, gatekeep other services. We're happy to pass along those details. Oh, brilliant. So if you did wanna open that one up, as I said, there will be a link. You don't have to click on the link yet. That's just to to sign and review those other documents in regards to the third party form to be able to have visibility on your your c bus. We'll send that off just so we can see what's there. We don't actually change any or make any changes with that. LSA is to look for other supers you may hold, and then the tax file opt in is obviously just to hold your tax file number on file. In the last bit of the scope scoping there, we did also scope out the personal investments given that, you know, laid down the track you might wanna look at for personal investments for yourself, your children, and also that investment property, but you're not quite there yet. So we just made a note of that as well. Now if you did open up that attachment for statement advice, we're up to page seven now, and then it's just the limit limited advice warning just to state we're only giving advice on super insurances and the estate planning side of things. Everything else is not actually a recommendation. We just made a note of it. Does that make sense? Do you have that up in front of you now to go through that with me? Perfect. Perfect. This is the simplified version of the entire document because, obviously, there's a lot of words coming at you. We try and sort of simplify the main key points of what it is recommending. So in regards the recommendation, we're recommending you roll over your SeaBus superannuation fund to a fund called Hub twenty four Super. It's an industry to a retail. In saying that, we do look to keep this portion of the SeaBus. Now that's not only just because of those insurances, it's also because your EBA actually states that you meant to stay with CBUS. Now in 2021, the government did come out with a rules change, like a my choice of super rules change legislation. That means, like, everyone should have choice of fund anyway, but just based on the fact that your EBA still specifically states stay with Cbus from the one we looked at, that Borga cranes, New South Wales version. Now if we were to have a conversation, like, you had a conversation with your payroll, confirm that they're happy to, you know, have choice of fund, it's more than something we can review in future as well. We just didn't have that information. Also, in addition to that one, when we get down to the insurance part there as well, we did, like, recommend retaining that for now. In future, once we sort of confirm those details, there is the options to look at consolidating that via transfer terms or looking at adjusting your current cover depending on the insurance outcomes. Because with the insurer we picked, they did come back with standard terms. But just given a little bit of history of blood pressure and your occupation, we just wanna be mindful of the fact that it still may come up with a loading or some sort of exclusion even though they stated standard terms because they like to go back on what they sort of review those blind pre assessments at anyway. So in the interim, while all the implementations going into force and all that's going through, obviously, it just sets up the best position that if anything did occur, it's in your best interest. Doesn't mean we can't review it following that as well, if that makes sense. Perfect. So with that, we are looking to retain the c bus and opting into those insurances for now and then applying for life and TPD and trauma cover with MetLife and then paying through that with Hub twenty four to save you your out of pocket expenses a little bit. And then with that, the trauma would be the only out of pocket cost, which is the smaller amount. But when we get down to that, I'll go into a bit more details as well about the features of that. And then retaining your CFMEU insurance benefits there as well for the IP and death benefits and things like that and injury benefits that you do hold with that union. So at the moment, it'd be 10,000. And then with that, your contributions would stay in CBAS until we've deconfirm everything with your employer. Because obviously, with Choice of Fund, if they don't sort of wanna pay to a different fund, you would have to remain with CBAS in terms of payments and salary sacrifice. Okay. Okay. Perfect. So with that, the way this works anyway is that we've got you recommended based on the EBA. If you go and collect those details and just shoot us an email or just get it in writing, that is well. Once you sort of go through implementation, we can look at further consolidation there for you as well. Just to to confirm or if you just confirm with them with your payroll that you do have choice of fund and just shoot us an email that you do, in fact, have choice of fund based on that EBA there as well. Because we're looking we could only see one for 2018, which seems a little bit outdated there as well. And that's the one yeah. I'd say with yeah. So I'd say generally with that, they will come out and say you do have choice of fund anyway. Given that of once the insurances and things go through, have a look at it. Because you had to note all the transfer terms questions. It can be as simple as looking to transfer that cover over. And then also based on the underwriting outcomes there as well and what comes from that, That is also we can talk and review. So there's no harm in sort of keeping it there for now. And then once you go through implementation, we can do a little review and an amendment just to say we're gonna look to maintain that group, roll it across, or or look at sort of just altering some policy benefits there as well. Yep. Yeah. So so with that, each year, we'll do a review, and that will be to look at yeah. That's a minimum to look at moving any funds over to keeping that $10,000 retention. If your employee comes back and then it sort of works out in your best interest still to retain CBAS for those insurance purposes there as well, there is the option to, you know, you can contribute to Pub twenty four and just look at, you know, reviewing that HE and making sure there's enough to cover their premiums because they're not exactly absorbent at the moment. Or, you know, you can do a mix of, like, contributing to hub or maybe sales backing to, you know, Cbus so we can split it a number of sort of ways. It just depends on what you're comfortable with. But in that saying that, we are gonna recommend the opt in to those insurances and getting that form completed. So in the event that it does drop below to sort of a bit of a lower balance, they're not gonna just roll your fund to the ATO. It stays open anyway. That's all part of the implementation sort of process as well. Obviously, the recommendation at the moment is keeping CBAS once we sort of go through that. And if you are happy with this recommendation, obviously, we can make a couple of adjustments based on sort of if you did wanna speak to your employer first and then sort of confirm that with this, we can change the recommendation to do transfer terms, things like that as well. But when you do move group cover as well, it does sort of restart the exclusion period. So given that you've had your C bus account for quite some time, if anything did come up, you know, in regards to, like, the blood pressure, things like that, that might be like an exclusion on policy loadings. It does sort of restart that exclusion period, whereas having that group cover now, even though it's not underwritten, it probably predates any sort of blood pressure or high blood pressure, which means it may be more claimable staying where it is, and that's sort of a benefit you might be giving up. That's a conversation we can have as well if you're sort of happy to restart that exclusion period. Perfect. But as far as the insurance side of things, just recommending retaining it for now and then establishing the beneficiary nominations, establishing a will, and then a power of attorney there as well. Now in regards to the next page, it's just the details about you. The page over is just your assets and liabilities there as well. So feel free to have a quick look over that. Make sure that is all correct. Perfect. When you do get down to page 10, you will see a risk profile. Now within regards to those questions that you did answer, you did come out as a more like high growth to aggressive investor. Now given the conversation we did have about your sort of position time to retirement and what you're trying to achieve, you were sort of more comfortable with just having a few defensive assets still, especially given what is going on at the moment. So we did recommend going with the higher growth. It's around that ninety ten sort of split. With that, if that still makes sense and you still agree with that one? Perfect. In regards to getting down to the strategy recommendation there, so it's establishing hub 34, the partial rollover from C Bus, investing your funds per the recommended investment, which I'll go over down a few pages there as well. Redacting contributions from employer to your making sure it stays in your your C Bus account for now and then maintaining your current salary sacrifice arrangement on the weekly 5% basis. Now as far as it's being in your best interest at the moment with the the EBA, it means you get to keep that fund. Also, if you could confirm if you do get any employer benefits by maintaining CBAS as well, we couldn't see any, but sometimes having an EBA just holding that fund, you do get an additional employer benefit by holding it. So if you could confirm that in addition to choice of fund, that would be great. And then just shoot us an email. So at the moment, we're recommending just retaining that. And then by having the hub 24, not only do you have a retail platform that can sort of be more conducive with working with a financial plan in regards to strategies you can achieve by having the fund, a lot better reporting, a lot more access to investments. I know we make the investment now, but it doesn't mean you sorta can't sort of have conversations in regards to including certain things or investments or being a bit more customizable to you. Obviously, this is sort of just a base portfolio that OPU Financial built. And sort of as you grow, as things change, and you wanna sort of adjust things as well, there is the option that you can sort of make those adjustments as well in addition to other things like pairing with IDPS accounts and things like that on the platform, which can lower administration fees, things like that as well and have all your reporting in in one place as it like a future benefit. In addition to that one, you know, there are benefits in terms of, like, you know, your spouse. I'm not too sure. I can't remember what your your spouse does, but if she, I believe, was working well, we did just put the kids at the moment. But once she's working again and sort of wanted to to come on board, there is a couple speak at the moment, which reduces your okay. Yeah. Not a problem. Yeah. In terms of, like, being able to conjoin the balances, you can't you can sort of have them on the same platforms for the benefit of it reduces administration costs. If you hadn't advised, it reduce your sort of ongoing costs with us as well. Given that she is she's working part time at the moment. Correct? Oh, well done. Stay at home? Yep. So one thing like, given that she's unemployed, so it probably wouldn't be best interest having an adviser fee attached. One thing you could do in terms of, like, something that there is is there's the government co contribution scheme. Whereas if you contribute a thousand dollars to a fund when you're not earning over, I believe it's 47 at the moment, maybe a little bit above that, That will co contribute 50% of that. So when you put in a thousand dollars, you'll get 500 from the government, which means for putting in a thousand dollars, you put in 1,500 to be able to be invested and move forward. And then as I was sort of speaking in regards to before there is spousal contributions that you can do, that's a little bit different in terms of it doesn't, like, make you eligible for the government co contribution, but it means a bit of a tax deduction for you at the end of the the day there as well that you can claim. And that's an option there as well. And then not that sort of we can build it into your strategy. I wouldn't sort of feel comfortable charging your partner a fee to be on board, and with that sort of smaller balance would sort of impact it more than like you said, at the moment, it's still getting eaten away a little bit at at fees versus, you know, just doing a few things on on your end that can sort of help bump up her super just to make sure that it is growing to to some extent. And like you said, sort of, you know, you're a bit of a team at the end of the day, so it is sort of your supers, her supers if you're thinking thinking long term. But as far as I can so can join the balance there as well, Yeah. Probably, it's not something that can be done in terms of, like, adding it to the the other, unfortunately, because super is meant to be for you. Yep. And I believe let me just have a quick look at the spousal co contributions. Just have a quick look there. I'm just trying to remember the figures off the top. So as long as you if you earn over 47,000, it starts impacting the amount they'll co contribute. But as far as that No. I believe it's the individuals because of superannuation. So just let me just have a quick look. Doesn't state anything on the e a t o there. It's just sort of the requirements for a single there. No, sir. It's just based on your concessional contribution or non concessional contributions going in. And then with that so once you make the non concessional contribution to superannuation, you're let me just see what it actually states in terms of what when it does do it. Yes. I think it I believe it's when you lodge your tax return, the amount sort of will just be not that she's working at the moment. So I'll just have to see if you do have to so it's been a while since I've done it, so I'd have to double check. I'll have a a look into it for you, and I'll get back to you in terms of, like, the requirements. I'll put a little email together just for the spousal and then also the government co con for you. Because as I said, I know that the general figures, but when it comes down to the implementation, I'm a bit rusty in terms of, like, what it actually is. So that's fine. We'll have a look into that there for you. As I said, that's something that doesn't you know, generally, like, we can put into a strategy, but if you're happy managing that yourself as well, it's more so for your partner anyway. Obviously, it does affect your your cash flow. But, you know, you do have a nice amount seeing offset and things like that to more than have enough. Perfect. In terms of, like, your salary sacrifice maintaining that, that's pretty simple in regards to growing you super early and getting it compounding. And given that you can't afford it, starting out, it's easy to get ahead of the curve ball now than later. You are locking that away, but given that you sort of are still in a surplus with that contribution, sort of good that you can put a little bit more in early. And then should you wanna look at sort of personal investment, things like that, or investment property, you can always stop it in future as well. At least you got a little head start. You know, a dollar in the pocket sorta can be spent, whereas a dollar in your superannuation, the lease is invested for your retirement. The 5% obviously is fine in terms of, like, it's, you know, it's just calculated on what you're earning if you are earning a little bit more. It also does mean that you sort of, you know, it calculates per that, whereas you can sort of jump like, not that you're gonna jump an income bracket just based on the the amount you're sort of earning unless you do, like, a significant amount of overtime additionally. So if you jumped up, like, 30, a 135,000, you might skip up to a tax bracket. So if you start doing snipping out of overtime, it might actually help sort of reduce that as well. With that sort of calculating fully, it just sort of means that you'll keep you under that hovering even if you are doing a little bit more overtime. In saying that as well, if you sort of increased it any more and sort of wanted to do it, given that you wanna achieve some other, like, investment goals, things like that down the future, you don't wanna limit sort of what you're able to put away in savings or offsetting your your PPR there as well. Because you've got a nice chunk of have a good amount of equity. It probably isn't too long until you might be looking down that investment property route and sort of more equity you have in your home can sort of help you with that. As far as the other recommendation to superannuation on page 13, you'll see that just retained at 10,000 in c bus, the insurances and your EBA currently, and then rolling around over to roughly the 157,000. Now after the fees and implementation cost of that upfront fee, you aren't charged the upfront fee again. It is just a flat fee. You just do get charged the ongoing in terms of, like, being an ongoing client. So around 152,000 and $557 will be invested after the fees come out in terms of the upfront advice, and then it would just go on, like, a monthly basis of you being an ongoing client. You can take advantage of the service sort of as much as you'd want with sort of quarterly updates, things like that as well. As a minimum, it'll be, like, 12 monthly updates. Not that you wanna probably chop and change super too much, but in saying that as well, you can always give us a call if you ever sort of did something had any concerns or anything like that as well. Now with regards to recommendation, it obviously is in line with the investment style of what you wanna achieve. It's lower investment cost in terms of, like, the recommendation of the investments, which I'll go over in the next sort of pages. It's in line with the great risk profile of being that high growth and bumping that up from what you're currently in. It's got huge investment menu on Hub twenty four and then being able to have, like, the choice of investment and some changes along the way and being more customizable for strategies. With that, the reporting is quite good in terms of you being able to monitor your super as well. And then in regards to some additional features, Hub 24 has aggregate trading. In addition to that one, you'll also be an ongoing client with Oakview Financial to be able to sort of help you with your financial journey and sort of your views and sort of investments and things like that for the family and yourself as well. Obviously, in regards to the warnings there, there is always the potential growth that you may sort of forego given with how volatile the market is, especially at the moment. Once you sort of sell down to cash, there is a chance that it does jump a little bit or sort of drop a little bit in that time frame given that everything is going on with the war. At the moment, given that everything's sort of taken a bit of a dip, it's not too bad in the sense that you'll sort of sell low by low. If if it does jump up a little bit as well, it does sort of mean that you might forego a bit of that gain if that does occur, which isn't the worst thing in the world given your age. If you miss out on a few percent jump the next day, you know, things will probably change again as well. And there's sort of the one sort of key thing is investments. The one thing that isn't guaranteed with financial advice, unfortunately. You know, if you could get guaranteed returns, everyone would obviously go with them. But as far as liability is concerned, obviously, we do the research. We back sort of what the portfolio is over the long term, things like that. But, you know, with Trump in Paris, well, especially no one knows what's happening tomorrow, let alone the financial markets in five five to seven years here. So bit bit harder to predict things these days. But in terms of the investment style and what we've got your investments in, which I'll go over there in a second, it should set you up nicely over a long term period. We did also consider retaining SeaBus just rebalancing to your correct sort of asset allocation and risk tolerance. But given that you weren't too happy with it in the sense that you weren't happy really with the industry fund itself, it doesn't offer the range of investments you have on hub twenty four as well. And we also did consider a couple other retail and industry funds as well, but just based on sort of the overall cost and benefit that hub twenty four has, it just came out to be the better fund. We also did consider the full consolidation to hub and then doing the transfer terms as well. But with that knowing with payroll, with that EBA, we're just stuck with what the EBA stated. Want to sort of confirm that we can look at updating that and amending your SOA in the future, sort of change that as well, and then just discussing what you'd be foregoing if you did transfer that group cover over as well. In addition to the fact that although the insurer MetLife that we did recommend did state standard terms, just based on sort of your occupation, the the risk is higher in terms of them sort of coming back with something else where it may be more costly or something that they didn't disclose previously even though they stated standard terms. So that's just something that we're a bit wary of as well in terms of before we're looking at getting rid of that group cover as well. If you look on page 16, you will see the investments that we are recommending. Now these are all Australian listed ASX investments that you can invest in. There is links in the appendix as well that you can have a look at all these investments where they're at. The service security side of things has taken a bit of a dip recently. That's just AI in general. It did take a bit of a dive this year. But then you'll have some exposure across Europe, Japan, the all world excluding The US because you do have a core portion listed in the S and P 500, which is the top 500 in America. You'll also have the Australian 200, which is a key another key component of the Australian 200 listed companies. And then you'll have some in the Australian 200. Yeah. And, look, we did sort of consider active management as well. But like you said, with the way the industry funds index funds, sorry, are, like, performing over the last five to ten years has been really good in terms of growth. It is a lower cost. And given that you weren't sort of too fast on trying to outperform the market, especially with what was going on, it's a lot harder to pick and choose winners, especially, you know, with the volatile market, it is a point for where fund managers actually can find gaps in the market and do really well, but it also can go the opposite where, you know, if you're picking winners, it's like going down to the the horses there, you you're going great. But if you're picking all the losers, suddenly, you're you're down $10 and you're not so happy. This is a more balanced diversified approach that you not only sort of, like, split across different geographical locations, but within that, you'll have different industries in those ETF funds there as well. Plus that defensive portion of a bit of gold, which is sort of considered a growth asset still at the moment, and that's the way that viewed it. When the market sort of take a bit of a dive, it does still sort of negatively correlate and generally go up, which is why it can be considered a bit defensive. And then you'll have your core composite bonds, which are just a defensive portion in their own right. And then there'll be a minimum cash holding that hub twenty four does hold. And that's the sort of breakdown of the investments that we are recommending. Did you have any questions in regards to those at all? I'll do. Yeah. Oh, no problem. As I said, in terms of, like, risk, you are in a high growth portfolio as you do have, like, the allocation to growth. But as far as, like, manager risk and things like that, you don't typically hold that just due to the fact that you don't have any fund managers that make those changes. It just changes on what the markets are actually doing. So if a company does really well, it makes into the top 200 in Australia. You hold that share. If it falls out, you lose that share. So it's a little bit dynamic in that sense, but you're definitely not trying to pick and choose those winners, which means you only ever do sort of as good as these markets do. You can't outperform those markets. But over a long period of time, you know, even some funds, they might do well for three to five years and they might drop off. They'll have some bad years. You have a lot more volatility. And over a long term period of time, index funds generally do outperform a lot of those managed funds anyway. Just purely for the fact that, yeah, they get that sustained long term growth. On page 17 there, Jesse, you will see that the risk profile is around the ninety ten. The way your portfolio will be, you'll be slightly more invested in growth assets, and that's purely because they're considering gold to be a 100% growth at the moment, an alternate growth asset. And then in saying that the defensive and fixed interest side portion make up the rest of the defensive portion there as well. Like I said, you can sort of split gold up a little bit, whether it's sixty forty, fifty fifty. Gold is at the moment that I feel classified as a growth asset. Doesn't mean it doesn't still act in some instances as a defensive asset for you as well. On the next page over, you will have your illustration of the fees that come out there and also the projections of growth on the page over. So in terms of the split, obviously, you will pay a little bit more in terms of administration costs with the retail platforms due to the reporting features and other features you do hold and the flexibility of those funds. In terms of investment costs and overall investment costs, that will come down. In terms of other fees, that will drop as well. The majority of the the fees come from obviously having an adviser and additional insurance costs. And then with that as well, with the increase of the higher growth, the better performing history of those rolling averages there as well, it should, over the long term period, still put you in a better position by having someone to sort of assist you on your financial journey in addition to additional insurances to to risk mitigate there as well. And then being able to build strategies for the future as well and taking advantage of that service, which is the cost you do pay by having an adviser as well. You can see just based on that, I'm not too big a fan of projections anyway because, like, no one knows as what the the market's gonna do in five to ten years' time, but it just shows you based off previous figures of that five to ten years what it might look like if everything replicated, which it won't. And then with that, you can sort of see just the past history of your current fund. Obviously, it is less risk because it is more of a balance sort of or a growth or ish option in your CBAS. But as far as the recommended portfolio, it's in line with high growth. You can see a like for like in the appendix of a a balanced growth to a balanced growth and then also the the high growth to the high growth within CBAS and their options as well and how that performance does fare up against the portfolios that we are recommending for you. Now do you have any questions in regards to any of the the superannuation strategy or the retention strategy for that at the moment there, Jesse? Perfect. As far as the insurance section there on page 20, you'll be able to see there that we are recommending just retaining that fee bus policy for now and the cost of that one, so around $681 per annum. Then we're recommending a MetLife policy of a hun 1,000,000 of life and total permanent disability, which comes out to get a premium of around 1,080 after the 15% rebate being inside super. So it's close to around the 1,300 mark before that. But being in super environment, you get a bit of a discount, which is fantastic. And then we're also recommending a 100,000 of a life link with trauma policy outside of super. Now that is $22.92 a month. But within regards to that one as well, we have included the family extras or child extras on that one. Now in the PDF, you can have a look on that and what that means, but, basically, it covers all three of your children for a number of conditions if that was to incur under the age of 16. So it's a bit of an out of child benefit. So if any of your children are diagnosed with certain types of cancers like Crohn's, cystic fibrosis, or, like, the death of a child, you know, knock wood, no one wants anything bad to happen, but it can cover up to 10% of, like, your policy, which would be around a $10,000 benefit if they were sort of diagnosed with any of those sort of conditions that are listed under the child covers extra. So feel free to have a look in the PDF and what that means. But with that, you're not only covering for your own traumatic events and the trauma conditions for yourself, it also covers for a number of conditions for all of your children, whether that's the ones that you hold currently or if you have another one in the future there as well. It covers that that's that's the out of pocket one if you did wanna take that one on. And then with that, that covers for for traumatic events for yourself there as well in the event that sort of you're diagnosed with certain traumatic conditions like heart attack, strokes, those sort of things. And out of all the insurers, MetLife actually really does have a good trauma policy in terms of, like, conditions and being diagnosed with conditions. So they call it, like, buckets where if you do claim on a condition, you can reinstate your cover. And as long as it's nothing related to that condition specifically, say you had a a cancer, you got paid out your 100,000, you reinstate your policy there through the trauma reinstatement, come down, you know, another twelve months, you have a heart attack, it means you can claim on that policy again and get another 100,000. So it does cover for multiple conditions, and I believe with MetLife, you can do that up to four times for specific conditions. Obviously, ones that are closely related, it might not, but in saying that, it is a lot sort of a lot of comprehensive policy. So feel free to have a little squeeze in the PDF of what trauma cover actually does cover before you do make a decision. Obviously, if you don't want it, we can sort of get rid of it and you don't have to pay it. That it is one of those covers that is the more claimed on covers. And then it does cover quite a number of conditions there as well for yourself. Now as far as that being in your best interest there as well, by having not only the CE bus and your your CFMU benefits with the income protection and that MetLife policy, it does bring a cover up quite a degree than what you currently have. If you just look at replacing, you know, seven point five years of your income replacement plus your debts minus superannuation, it comes to about a mill of cover. Then in addition to that one, you'll have the life and TPD in CBUS as an added benefit. And then with that, any CFMEU benefits you hold for, you know, I know they do certain death benefits on the job, out of the job, broken injuries, things like that as well, which can be sort of seen as, like, some form of trauma cover as well. So feel free to weigh it up. I know sort of the listed conditions, there was too large in terms of what the CFMU insurance benefits and what you caught up what they do cover for across, like, on the work versus out of work versus, like, what's linked with work cover and what isn't. But feel free to have a review of those and see if you feel like the trauma and cover does benefit you there as well. But as I said, it does cover your children and then also MetLife insurance itself, not just limited to the trauma cover. They do have three sixty health, which gives you access to a wide range of of health services that can support not only yourself, but your family there as well. You know, if your sort of partner was looking for additional support and sort of things as well, they're quite good in terms of some of the services they do offer under MetLife, which is nice. Now with that with the flexible sort of arrangement of payments and how you are paying for that, it does mean that sort of majority of it is funded through superannuation. And given that you're contributing well, earning well, it means that that covers a lot of those premiums. That one out of pocket portion obviously isn't out of pocket and does affect cash flow. And then you have your CFMEU benefits with through your union membership there as well, which is quite nice. And it means you don't have to pay for income protection through either your super out of pocket because that is the more costly insurance anyway, if that makes sense. Now, obviously, the advantages and disadvantages of that is, obviously, you'll have a retail policy for the life and TPD. Not so much the life policy because life is life, but the total permanent disability, you'll have a more comprehensive insurance policy as opposed to the group cover. And then you'll be able to have a nice sort of weighting of the the premiums from inside versus outside. You can see on page 24 of the current versus recommended versus non insurance and what that sort of looks like in terms of, like, a dollar figure and sort of the cost of that. So combine that of your superannuation, it's around $1,700 and 60 $1,762 in terms of, like, a fee you're paying out of it, which given your your income and how much you are contributing, it's not too high at all. Generally, we don't wanna go above 30% of contributions and yours is well below that, which is good. Obviously, the risks are you always have to meet the definitions under retail policies even though they're underwritten in terms of being able to make a successful claim. In regards to group policies, obviously, it's underwritten at the time of claim, not through the underwriting process when establishing the policy. So there is the risk they'll decline the claim anyway in regards to conditions that predate the fund all those group insurances there as well. Now we did consider a few alternatives in regards to different insurers and level premiums. It just worked out that MetLife was the best in terms of, like, cost and not only the the pre assessment that we did conduct in terms of their offering. Obviously, you know, it does come down to underwriting and what you do disclose at that time as well. But they did come back with standard rates, which is nice in terms of cost as well as why it's so low. Obviously, if it does sort of come out to be a bit different, we'll address that and sort of have a conversation around how you wanna proceed with that as well. We did also consider having a greater amount with Life and TPD with MetLife and canceling your C Bus insurances. But just given, you know, the just the blood pressure and the occupation there currently, it may result in some form of unfavorable terms even though they stated that it won't through the blind pre assessment. Once it sort of comes through that as well, we can sort of have a discussion around either sort of consolidating once you speak to your employer on that as well and even looking at certain increases down the track. They do do life increases as well. So if you now have other children, things like that as well, you can look at increasing the policies without underwriting. But even without that and just taking into consideration seven point five years income replacement, your superannuation, a million dollars worth of cover does cover the debt and that income replacement. You obviously could look to do a bit more, but given that you're earning income quite quite nicely and paying down your debt quite quickly, if anything, you're becoming more self insured more than you're requiring more cover. So as you do get older, pay down those debts. If anything, you're reducing the amount of cover you need. So it's just a trade off between cost and actually cover requirements. Obviously, if you did TBD tomorrow, it's probably not the most ideal in the sense that you don't have to earn income ever moving forward, but a million dollars is a nice amount to sort of pay down those debts and have it invested to be able to earn some form of income moving forward as well. It's not like you're gonna go to Vegas and put it all on black. It's something that you can be utilized to, you know, invest for the future as well. Now do you have any questions in regards to the insurance recommendation there at all, Jesse? Yeah. Obviously, take yeah. Pretty happy with everything so far. No. Yeah. And it's quite flexible in the sense that, like, obviously, once you're on board to there's no sort of limit into what sort of like, how much advice you can receive in regards to moving forward with your life changes there as well. Obviously, the most significant front cost does come up front, but then from that, it's just your ongoing, like, review of sort of managed funds. And you can sort of bring up anything as you go each year as well and as you sort of grow as a family and things like that as well. And if your wife were to start working, were to come on board, things like that as well, it'll be, you know, future considerations there for you. The the rest of it's quite simple in terms of the will. So it's quite simple in terms of establishing a will with a a lawyer. We can provide some just general information for wills and estates if you'd like from a local solicitor. That is just a trusted partner for joint and sort of wheels. And the cost of that one, obviously, the advantages if something were to happen, it just means that if you use it in conjunction with, like, power of attorney and, like, the advanced health care directives, you know, if something were to happen to you where you can't sort of, you know you're incapacitated, they can make decisions for you financially. They don't need to go to the courts or anything to be able to make certain changes, but things that are sort of joint in terms of, like, you having to sign off on it as well. In regards to that, it's sort of, you know, you can sort of state certain things in regards to health and how you'd like to go about things, whether you're the pull the plug kind of person or not. It does take a lot of those decisions out of family members' hands in a time where they might not feel like they can make those sort of decisions as well. It's a lot of stress at a time when they probably don't wanna be doing it as well. So it can help if you sort of preemptively put those down. In terms of, like, the beneficiaries, we are recommending to just put your spouse given that she's the primary caregiver for your children for a 100% binding, non lapsing for that. So that just means that it won't change unless you change it. It won't lapse unless you sort of will go in and sort of wanna be able to change it to something else. If you do lapsing it every three years, you gotta update it. And if you do just a general sort of nomination to the fund, it just means that they can pick and choose who they actually wanna give it to, and they might choose the kids over your partner as well or do a split. And, you know, your superannuation money and sort of insurance proceeds aren't gonna do much of a benefit to your children if they're unable to, you know, speak and talk yet, let alone sort of pay for for bills. So with that, in addition to that, your spouse is a 100% independent, which means they'll receive those funds tax free as well as opposed to, like, children over the age of 18 get taxed. If it goes to the state, there's certain taxes there as well. So given it's your spouse, they'll receive it a 100% tax free, which is fantastic. Obviously, not fantastic that you go on, but fantastic that they don't have to worry about additional taxes. Do you have any questions in regards to that estate planning side of stuff? I'm obviously mindful not to take up all of your afternoon, but it is quite perfect. Obviously, feel free to have a bit of a read through the advantages, disadvantages of that. Obviously, setting up a will does come at a cost, same with sort of organizing power to any things like that. But once it's done, you've only sort of got a review and update versus not having anything in place and, you know, leaving it up to the courts and family sort of fighting over what's left. In regards to the remuneration, we get, like, obviously, the startup fee, which is 3.3% of your super pardon me, balance, which is $4.09 $5.00, so $4,950. And that's the one lump sum upfront. That's for putting the advice together, implementing it, going through those implementation steps with you. That's sort of what that covers. Obviously, you don't get charged anything up to the point you were to sign if you were happy with everything. And then with the MetLife policy, we do get 66% of the premium. Now with that one, it's not an additional cost you pay. It's just what we get from the insurer that's setting up the policy, doing that work. And then ongoing, we do get 22% of the trailing commission for monitoring and maintaining that policy. And then the adviser fee is 1.65% ongoing in terms of, like, the funds under management and being able to have access to the ongoing client services of Oakview Financial, if that makes sense. Yep. Do you have any concerns or questions in regards to the fee or the remuneration or what we get or what it's for? Yep. Not a problem at all. In terms of, like, the next steps on how to implement, obviously, if you were happy with the advice, you would sign the document from there, Oakview Financial. Obviously, there's the application in there as well for Hub twenty four if you were happy with that. They would submit that for that request of funds from CBUS to start that. They'd get you booked in for the personal statement for those MetLife insurances to set up for those amounts. Obviously, you have a think about it in terms of, like, if those are the amounts you're happy with. And even if you did sign tonight, you can go ahead. Once it goes to application change and change some figures, we can just do a record of advice to change that for you, whether or not you wanna do that trauma or not. And then in regards to the beneficiary nominations and setting up a will, obviously, that's up to you. We'll follow you up in terms of giving you the forms and things like that, but I can't force you to fill out your beneficiary forms, and I can't drop a will for you, unfortunately. I can sort of give you sort of general advice on sort of how you can structure wills and things like that. But given, you know, you got a quite nice family structure, it mostly would probably go to spouse and children. And then that's that's quite as simple as it it gets really. But do you have any questions in regards to implementation, anything like that, or questions in regards to any of the document or anything we covered today? Not a problem, Jesse. Obviously, you know, if you were happy, you would sign, and let me be the first to sort of welcome to the OPU family if you were happy with everything to come on board. Don't feel pressured to to sign. If you if you don't want, you can have a read through it there first, but the team will probably reach out tomorrow or the next day just to see if you do have any questions. I wanna get booked back in for another chat there as well for you. No. That one's fine because the recommendation currently is retaining that c bus. So that's like a future consideration thing. So as far as, like, the advice piece today, whether or not you had that letter is fine. There are girls in implementation. Once you did sign the document, it would reach out. They would get your I ID. Obviously, if you wanna send that through and you plan on signing, you can send that through preemptively as well because we're gonna make sure you pass through your AML requirements for anti money laundering, things like that as well. And then those girls will also you know, they're they're quite nice. They're they're nice to me as well, but they'll hold your hand through the whole process there, get you booked in for your personal statement. There's no stupid questions, and and, you know, there's it's sort of one of those things that is sort of a big step for a lot of people that haven't sort of taken an undertaken financial advice before. So it is a lot of things that are different in you. So ask as many questions as you want. Call up as much as you want. Hug them as much as you want. They get paid to to answer all your questions. So feel free to to go ahead. And if you wanna have a chat with me as well, I'm more than happy to have another chat as well for you. Not a problem. But do you have anything for me before I let you go this afternoon to go and digest some of that information there for you, Jesse? Not a problem at all. Yeah. And then with that, like, even though that, like, returns aren't guaranteed, but the one thing you will have is a service at the end of the day that you can ask all your questions for as well. Yeah. Yeah. Yeah. And then sort of once the upfront's paid there as well, which is the additional sort of big fee, it is just the ongoing management. And if the, like, performance does sort of keep track with what sort of was recommended in the markets are doing well, then that helps pay for that fee in addition to you know, you can take advantage of that service to implement sort of more advice down the track as well and keep you updated and sort of keep on top of you a little bit. I know for some people, it's a little bit out of sight out of mind, but when someone's calling you, bugging you about it every twelve months to have a conversation, it sort of, you know, keeps you on top of it a bit more as well. No problem, Jesse. Well, I'll let you get back to your afternoon, get back to the the kids, enjoy some dinner. And then, yeah, any questions? The girls will probably reach out tomorrow the next day just to see if you do have any questions. But other than that, I'm sure we'll be talking soon in the future as well. No problem at all, Matt. You enjoy the rest of your day. Thanks for your chat. Cheers. 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afternoon, Jesse. It's Carl calling from OQ Financial. How are you today? Yeah. Not too bad at all.\n\nThanks for asking. I've got you scheduled in for that presentation this afternoon. Is now a good time for you? Perfect. Just before we jump into that one, Jesse, just because it has been that couple of weeks since we last spoke, can I just confirm that nothing sort of changed in regards to your your details in regards to occupation, personal circumstances, things like that?\n\nPerfect. And just before I send this out there, Jesse, if I could just confirm your full name, date of birth, and current address to send you this document? Brilliant. Thanks for that one. And can I just confirm your email is j.j.welsh@hotmail.com?\n\nPerfect. So these documents will come through shortly. Now in this pack here, you'll have it's by Otusign. I'm not too sure what signing services you probably used in the past. But with one here, you'll have some listed attachments.\n\nSo you'll have a copy of your statement of advice, The appendix to your statement of advice. Also, the PDF is in regards to the documents that we are sort of recommending, the products we're recommending, the quote to have a look at, and then there is a signable portion that's for our link as well. Now in the signable portion there, it's a little bit different in terms of what is in there. So there's also a lost super research form, a third party authority, a tax file opt in form. These obviously all in the event that you did come on board as a client.\n\nI'm just letting you know what's coming out in the packet. I know it sounds like a lot coming at you. And then with that, you'll have a copy of your fact find that we used to build the advice and also your risk profile with that. Now do you have any questions in regards to that or the the documents that will be coming out today? Perfect.\n\nSo that'll be there shortly. Just let me know when it pops up, and then we can run through everything there together. It may just take a second, these larger ones. Okay. Not a problem.\n\nWhile that is coming through there as well, I'll just get a start on sort of the start of the document there. So it was finalized on the March 17, which was yesterday and there in terms of the the document itself where it was sort of printed to a PDF. Now we that you do have thirty days from the day to be able to sign that with no sort of changes. Obviously, you did confirm nothing's changed. You do have another thirty format if you did want some extra time and confirm your details again that nothing has changed as well.\n\nNow as far as the document itself, it's created for yourself. It is personalized advice from myself, Kyle, getting us an authorized representative under Oakview Financial. You can look us both up. We're both both legit. You know, we come up with all the registries.\n\nYou can also have a look on the website if you know and to know a little bit about me, myself, the the team as well. As far as best interest duty is concerned, we don't make a recommendation unless we can put you in best interest. It's kinda what we're bound by. So based on the research we do, if we can't put you in a better decision, we won't recommend it. We'll sort of just knock you back and give you a bit of general advice on the way.\n\nAs far as the scoping of the advice, now the main portions in which we're addressing in the advice piece, I know you sort of just wanna keep it simple, stupid. There's the superannuation insurances and estate planning. Now superannuation was obviously a key point with not being happy with your current fund, the returns, and just the fund itself. Insurances obviously wanting to look at having a bit more cover to cover not only sort of just the the debt there, but have a little bit extra as well and making sure the family's protected. And then also this the estate planning.\n\nI know you sort of weren't too fast on that. You haven't really given it much thought, but we just made a recommendation on how you can sort of put a few things in place to be able to better protect yourself if something were to happen there. As far as things we did consider but didn't sort of provide advice on this time around was we look at your budgeting savings. I know you're sort of happy managing that yourself. You're saving quite well in terms of what you're managing to put away.\n\nSo we didn't really see a need to touch on that, and you didn't see a need to receive advice on that. We can send you just a copy of the budget planner if you ever did wanna sort of just utilize it for your daily budget. I know sort of a lot of people, you know, it's all up in their head what was coming out when, but sometimes it does help to put it on a bit of paper as well just to be able to follow it and track it a bit better, see how many subscriptions are there, and maybe a few that could go. Then also in regards to debt management, I know you're sort of tracking quite well with that in regards to the debt you do hold on your your primary residence and reducing that down. You do also have access to the mortgage brokers here if you ever do wanna look at refinancing investment properties down in the future, things like that as well.\n\nI know you sort of mentioned investment property at a later date. They're not sort of looking at it now. Even if you wanted to come on board, if you did wanna sort of just get a referral to one of the mortgage brokers, that's more than fine as well. We don't sort of, you know, gatekeep other services. We're happy to pass along those details.\n\nOh, brilliant. So if you did wanna open that one up, as I said, there will be a link. You don't have to click on the link yet. That's just to to sign and review those other documents in regards to the third party form to be able to have visibility on your your c bus. We'll send that off just so we can see what's there.\n\nWe don't actually change any or make any changes with that. LSA is to look for other supers you may hold, and then the tax file opt in is obviously just to hold your tax file number on file. In the last bit of the scope scoping there, we did also scope out the personal investments given that, you know, laid down the track you might wanna look at for personal investments for yourself, your children, and also that investment property, but you're not quite there yet. So we just made a note of that as well. Now if you did open up that attachment for statement advice, we're up to page seven now, and then it's just the limit limited advice warning just to state we're only giving advice on super insurances and the estate planning side of things.\n\nEverything else is not actually a recommendation. We just made a note of it. Does that make sense? Do you have that up in front of you now to go through that with me? Perfect.\n\nPerfect. This is the simplified version of the entire document because, obviously, there's a lot of words coming at you. We try and sort of simplify the main key points of what it is recommending. So in regards the recommendation, we're recommending you roll over your SeaBus superannuation fund to a fund called Hub twenty four Super. It's an industry to a retail.\n\nIn saying that, we do look to keep this portion of the SeaBus. Now that's not only just because of those insurances, it's also because your EBA actually states that you meant to stay with CBUS. Now in 2021, the government did come out with a rules change, like a my choice of super rules change legislation. That means, like, everyone should have choice of fund anyway, but just based on the fact that your EBA still specifically states stay with Cbus from the one we looked at, that Borga cranes, New South Wales version. Now if we were to have a conversation, like, you had a conversation with your payroll, confirm that they're happy to, you know, have choice of fund, it's more than something we can review in future as well.\n\nWe just didn't have that information. Also, in addition to that one, when we get down to the insurance part there as well, we did, like, recommend retaining that for now. In future, once we sort of confirm those details, there is the options to look at consolidating that via transfer terms or looking at adjusting your current cover depending on the insurance outcomes. Because with the insurer we picked, they did come back with standard terms. But just given a little bit of history of blood pressure and your occupation, we just wanna be mindful of the fact that it still may come up with a loading or some sort of exclusion even though they stated standard terms because they like to go back on what they sort of review those blind pre assessments at anyway.\n\nSo in the interim, while all the implementations going into force and all that's going through, obviously, it just sets up the best position that if anything did occur, it's in your best interest. Doesn't mean we can't review it following that as well, if that makes sense. Perfect. So with that, we are looking to retain the c bus and opting into those insurances for now and then applying for life and TPD and trauma cover with MetLife and then paying through that with Hub twenty four to save you your out of pocket expenses a little bit. And then with that, the trauma would be the only out of pocket cost, which is the smaller amount.\n\nBut when we get down to that, I'll go into a bit more details as well about the features of that. And then retaining your CFMEU insurance benefits there as well for the IP and death benefits and things like that and injury benefits that you do hold with that union. So at the moment, it'd be 10,000. And then with that, your contributions would stay in CBAS until we've deconfirm everything with your employer. Because obviously, with Choice of Fund, if they don't sort of wanna pay to a different fund, you would have to remain with CBAS in terms of payments and salary sacrifice.\n\nOkay. Okay. Perfect. So with that, the way this works anyway is that we've got you recommended based on the EBA. If you go and collect those details and just shoot us an email or just get it in writing, that is well.\n\nOnce you sort of go through implementation, we can look at further consolidation there for you as well. Just to to confirm or if you just confirm with them with your payroll that you do have choice of fund and just shoot us an email that you do, in fact, have choice of fund based on that EBA there as well. Because we're looking we could only see one for 2018, which seems a little bit outdated there as well. And that's the one yeah. I'd say with yeah.\n\nSo I'd say generally with that, they will come out and say you do have choice of fund anyway. Given that of once the insurances and things go through, have a look at it. Because you had to note all the transfer terms questions. It can be as simple as looking to transfer that cover over. And then also based on the underwriting outcomes there as well and what comes from that, That is also we can talk and review.\n\nSo there's no harm in sort of keeping it there for now. And then once you go through implementation, we can do a little review and an amendment just to say we're gonna look to maintain that group, roll it across, or or look at sort of just altering some policy benefits there as well. Yep. Yeah. So so with that, each year, we'll do a review, and that will be to look at yeah.\n\nThat's a minimum to look at moving any funds over to keeping that $10,000 retention. If your employee comes back and then it sort of works out in your best interest still to retain CBAS for those insurance purposes there as well, there is the option to, you know, you can contribute to Pub twenty four and just look at, you know, reviewing that HE and making sure there's enough to cover their premiums because they're not exactly absorbent at the moment. Or, you know, you can do a mix of, like, contributing to hub or maybe sales backing to, you know, Cbus so we can split it a number of sort of ways. It just depends on what you're comfortable with. But in that saying that, we are gonna recommend the opt in to those insurances and getting that form completed.\n\nSo in the event that it does drop below to sort of a bit of a lower balance, they're not gonna just roll your fund to the ATO. It stays open anyway. That's all part of the implementation sort of process as well. Obviously, the recommendation at the moment is keeping CBAS once we sort of go through that. And if you are happy with this recommendation, obviously, we can make a couple of adjustments based on sort of if you did wanna speak to your employer first and then sort of confirm that with this, we can change the recommendation to do transfer terms, things like that as well.\n\nBut when you do move group cover as well, it does sort of restart the exclusion period. So given that you've had your C bus account for quite some time, if anything did come up, you know, in regards to, like, the blood pressure, things like that, that might be like an exclusion on policy loadings. It does sort of restart that exclusion period, whereas having that group cover now, even though it's not underwritten, it probably predates any sort of blood pressure or high blood pressure, which means it may be more claimable staying where it is, and that's sort of a benefit you might be giving up. That's a conversation we can have as well if you're sort of happy to restart that exclusion period. Perfect.\n\nBut as far as the insurance side of things, just recommending retaining it for now and then establishing the beneficiary nominations, establishing a will, and then a power of attorney there as well. Now in regards to the next page, it's just the details about you. The page over is just your assets and liabilities there as well. So feel free to have a quick look over that. Make sure that is all correct.\n\nPerfect. When you do get down to page 10, you will see a risk profile. Now within regards to those questions that you did answer, you did come out as a more like high growth to aggressive investor. Now given the conversation we did have about your sort of position time to retirement and what you're trying to achieve, you were sort of more comfortable with just having a few defensive assets still, especially given what is going on at the moment. So we did recommend going with the higher growth.\n\nIt's around that ninety ten sort of split. With that, if that still makes sense and you still agree with that one? Perfect. In regards to getting down to the strategy recommendation there, so it's establishing hub 34, the partial rollover from C Bus, investing your funds per the recommended investment, which I'll go over down a few pages there as well. Redacting contributions from employer to your making sure it stays in your your C Bus account for now and then maintaining your current salary sacrifice arrangement on the weekly 5% basis.\n\nNow as far as it's being in your best interest at the moment with the the EBA, it means you get to keep that fund. Also, if you could confirm if you do get any employer benefits by maintaining CBAS as well, we couldn't see any, but sometimes having an EBA just holding that fund, you do get an additional employer benefit by holding it. So if you could confirm that in addition to choice of fund, that would be great. And then just shoot us an email. So at the moment, we're recommending just retaining that.\n\nAnd then by having the hub 24, not only do you have a retail platform that can sort of be more conducive with working with a financial plan in regards to strategies you can achieve by having the fund, a lot better reporting, a lot more access to investments. I know we make the investment now, but it doesn't mean you sorta can't sort of have conversations in regards to including certain things or investments or being a bit more customizable to you. Obviously, this is sort of just a base portfolio that OPU Financial built. And sort of as you grow, as things change, and you wanna sort of adjust things as well, there is the option that you can sort of make those adjustments as well in addition to other things like pairing with IDPS accounts and things like that on the platform, which can lower administration fees, things like that as well and have all your reporting in in one place as it like a future benefit. In addition to that one, you know, there are benefits in terms of, like, you know, your spouse.\n\nI'm not too sure. I can't remember what your your spouse does, but if she, I believe, was working well, we did just put the kids at the moment. But once she's working again and sort of wanted to to come on board, there is a couple speak at the moment, which reduces your okay. Yeah. Not a problem.\n\nYeah. In terms of, like, being able to conjoin the balances, you can't you can sort of have them on the same platforms for the benefit of it reduces administration costs. If you hadn't advised, it reduce your sort of ongoing costs with us as well. Given that she is she's working part time at the moment. Correct?\n\nOh, well done. Stay at home? Yep. So one thing like, given that she's unemployed, so it probably wouldn't be best interest having an adviser fee attached. One thing you could do in terms of, like, something that there is is there's the government co contribution scheme.\n\nWhereas if you contribute a thousand dollars to a fund when you're not earning over, I believe it's 47 at the moment, maybe a little bit above that, That will co contribute 50% of that. So when you put in a thousand dollars, you'll get 500 from the government, which means for putting in a thousand dollars, you put in 1,500 to be able to be invested and move forward. And then as I was sort of speaking in regards to before there is spousal contributions that you can do, that's a little bit different in terms of it doesn't, like, make you eligible for the government co contribution, but it means a bit of a tax deduction for you at the end of the the day there as well that you can claim. And that's an option there as well. And then not that sort of we can build it into your strategy.\n\nI wouldn't sort of feel comfortable charging your partner a fee to be on board, and with that sort of smaller balance would sort of impact it more than like you said, at the moment, it's still getting eaten away a little bit at at fees versus, you know, just doing a few things on on your end that can sort of help bump up her super just to make sure that it is growing to to some extent. And like you said, sort of, you know, you're a bit of a team at the end of the day, so it is sort of your supers, her supers if you're thinking thinking long term. But as far as I can so can join the balance there as well, Yeah. Probably, it's not something that can be done in terms of, like, adding it to the the other, unfortunately, because super is meant to be for you. Yep.\n\nAnd I believe let me just have a quick look at the spousal co contributions. Just have a quick look there. I'm just trying to remember the figures off the top. So as long as you if you earn over 47,000, it starts impacting the amount they'll co contribute. But as far as that No.\n\nI believe it's the individuals because of superannuation. So just let me just have a quick look. Doesn't state anything on the e a t o there. It's just sort of the requirements for a single there. No, sir.\n\nIt's just based on your concessional contribution or non concessional contributions going in. And then with that so once you make the non concessional contribution to superannuation, you're let me just see what it actually states in terms of what when it does do it. Yes. I think it I believe it's when you lodge your tax return, the amount sort of will just be not that she's working at the moment. So I'll just have to see if you do have to so it's been a while since I've done it, so I'd have to double check.\n\nI'll have a a look into it for you, and I'll get back to you in terms of, like, the requirements. I'll put a little email together just for the spousal and then also the government co con for you. Because as I said, I know that the general figures, but when it comes down to the implementation, I'm a bit rusty in terms of, like, what it actually is. So that's fine. We'll have a look into that there for you.\n\nAs I said, that's something that doesn't you know, generally, like, we can put into a strategy, but if you're happy managing that yourself as well, it's more so for your partner anyway. Obviously, it does affect your your cash flow. But, you know, you do have a nice amount seeing offset and things like that to more than have enough. Perfect. In terms of, like, your salary sacrifice maintaining that, that's pretty simple in regards to growing you super early and getting it compounding.\n\nAnd given that you can't afford it, starting out, it's easy to get ahead of the curve ball now than later. You are locking that away, but given that you sort of are still in a surplus with that contribution, sort of good that you can put a little bit more in early. And then should you wanna look at sort of personal investment, things like that, or investment property, you can always stop it in future as well. At least you got a little head start. You know, a dollar in the pocket sorta can be spent, whereas a dollar in your superannuation, the lease is invested for your retirement.\n\nThe 5% obviously is fine in terms of, like, it's, you know, it's just calculated on what you're earning if you are earning a little bit more. It also does mean that you sort of, you know, it calculates per that, whereas you can sort of jump like, not that you're gonna jump an income bracket just based on the the amount you're sort of earning unless you do, like, a significant amount of overtime additionally. So if you jumped up, like, 30, a 135,000, you might skip up to a tax bracket. So if you start doing snipping out of overtime, it might actually help sort of reduce that as well. With that sort of calculating fully, it just sort of means that you'll keep you under that hovering even if you are doing a little bit more overtime.\n\nIn saying that as well, if you sort of increased it any more and sort of wanted to do it, given that you wanna achieve some other, like, investment goals, things like that down the future, you don't wanna limit sort of what you're able to put away in savings or offsetting your your PPR there as well. Because you've got a nice chunk of have a good amount of equity. It probably isn't too long until you might be looking down that investment property route and sort of more equity you have in your home can sort of help you with that. As far as the other recommendation to superannuation on page 13, you'll see that just retained at 10,000 in c bus, the insurances and your EBA currently, and then rolling around over to roughly the 157,000. Now after the fees and implementation cost of that upfront fee, you aren't charged the upfront fee again.\n\nIt is just a flat fee. You just do get charged the ongoing in terms of, like, being an ongoing client. So around 152,000 and $557 will be invested after the fees come out in terms of the upfront advice, and then it would just go on, like, a monthly basis of you being an ongoing client. You can take advantage of the service sort of as much as you'd want with sort of quarterly updates, things like that as well. As a minimum, it'll be, like, 12 monthly updates.\n\nNot that you wanna probably chop and change super too much, but in saying that as well, you can always give us a call if you ever sort of did something had any concerns or anything like that as well. Now with regards to recommendation, it obviously is in line with the investment style of what you wanna achieve. It's lower investment cost in terms of, like, the recommendation of the investments, which I'll go over in the next sort of pages. It's in line with the great risk profile of being that high growth and bumping that up from what you're currently in. It's got huge investment menu on Hub twenty four and then being able to have, like, the choice of investment and some changes along the way and being more customizable for strategies.\n\nWith that, the reporting is quite good in terms of you being able to monitor your super as well. And then in regards to some additional features, Hub 24 has aggregate trading. In addition to that one, you'll also be an ongoing client with Oakview Financial to be able to sort of help you with your financial journey and sort of your views and sort of investments and things like that for the family and yourself as well. Obviously, in regards to the warnings there, there is always the potential growth that you may sort of forego given with how volatile the market is, especially at the moment. Once you sort of sell down to cash, there is a chance that it does jump a little bit or sort of drop a little bit in that time frame given that everything is going on with the war.\n\nAt the moment, given that everything's sort of taken a bit of a dip, it's not too bad in the sense that you'll sort of sell low by low. If if it does jump up a little bit as well, it does sort of mean that you might forego a bit of that gain if that does occur, which isn't the worst thing in the world given your age. If you miss out on a few percent jump the next day, you know, things will probably change again as well. And there's sort of the one sort of key thing is investments. The one thing that isn't guaranteed with financial advice, unfortunately.\n\nYou know, if you could get guaranteed returns, everyone would obviously go with them. But as far as liability is concerned, obviously, we do the research. We back sort of what the portfolio is over the long term, things like that. But, you know, with Trump in Paris, well, especially no one knows what's happening tomorrow, let alone the financial markets in five five to seven years here. So bit bit harder to predict things these days.\n\nBut in terms of the investment style and what we've got your investments in, which I'll go over there in a second, it should set you up nicely over a long term period. We did also consider retaining SeaBus just rebalancing to your correct sort of asset allocation and risk tolerance. But given that you weren't too happy with it in the sense that you weren't happy really with the industry fund itself, it doesn't offer the range of investments you have on hub twenty four as well. And we also did consider a couple other retail and industry funds as well, but just based on sort of the overall cost and benefit that hub twenty four has, it just came out to be the better fund. We also did consider the full consolidation to hub and then doing the transfer terms as well.\n\nBut with that knowing with payroll, with that EBA, we're just stuck with what the EBA stated. Want to sort of confirm that we can look at updating that and amending your SOA in the future, sort of change that as well, and then just discussing what you'd be foregoing if you did transfer that group cover over as well. In addition to the fact that although the insurer MetLife that we did recommend did state standard terms, just based on sort of your occupation, the the risk is higher in terms of them sort of coming back with something else where it may be more costly or something that they didn't disclose previously even though they stated standard terms. So that's just something that we're a bit wary of as well in terms of before we're looking at getting rid of that group cover as well. If you look on page 16, you will see the investments that we are recommending.\n\nNow these are all Australian listed ASX investments that you can invest in. There is links in the appendix as well that you can have a look at all these investments where they're at. The service security side of things has taken a bit of a dip recently. That's just AI in general. It did take a bit of a dive this year.\n\nBut then you'll have some exposure across Europe, Japan, the all world excluding The US because you do have a core portion listed in the S and P 500, which is the top 500 in America. You'll also have the Australian 200, which is a key another key component of the Australian 200 listed companies. And then you'll have some in the Australian 200. Yeah. And, look, we did sort of consider active management as well.\n\nBut like you said, with the way the industry funds index funds, sorry, are, like, performing over the last five to ten years has been really good in terms of growth. It is a lower cost. And given that you weren't sort of too fast on trying to outperform the market, especially with what was going on, it's a lot harder to pick and choose winners, especially, you know, with the volatile market, it is a point for where fund managers actually can find gaps in the market and do really well, but it also can go the opposite where, you know, if you're picking winners, it's like going down to the the horses there, you you're going great. But if you're picking all the losers, suddenly, you're you're down $10 and you're not so happy. This is a more balanced diversified approach that you not only sort of, like, split across different geographical locations, but within that, you'll have different industries in those ETF funds there as well.\n\nPlus that defensive portion of a bit of gold, which is sort of considered a growth asset still at the moment, and that's the way that viewed it. When the market sort of take a bit of a dive, it does still sort of negatively correlate and generally go up, which is why it can be considered a bit defensive. And then you'll have your core composite bonds, which are just a defensive portion in their own right. And then there'll be a minimum cash holding that hub twenty four does hold. And that's the sort of breakdown of the investments that we are recommending.\n\nDid you have any questions in regards to those at all? I'll do. Yeah. Oh, no problem. As I said, in terms of, like, risk, you are in a high growth portfolio as you do have, like, the allocation to growth.\n\nBut as far as, like, manager risk and things like that, you don't typically hold that just due to the fact that you don't have any fund managers that make those changes. It just changes on what the markets are actually doing. So if a company does really well, it makes into the top 200 in Australia. You hold that share. If it falls out, you lose that share.\n\nSo it's a little bit dynamic in that sense, but you're definitely not trying to pick and choose those winners, which means you only ever do sort of as good as these markets do. You can't outperform those markets. But over a long period of time, you know, even some funds, they might do well for three to five years and they might drop off. They'll have some bad years. You have a lot more volatility.\n\nAnd over a long term period of time, index funds generally do outperform a lot of those managed funds anyway. Just purely for the fact that, yeah, they get that sustained long term growth. On page 17 there, Jesse, you will see that the risk profile is around the ninety ten. The way your portfolio will be, you'll be slightly more invested in growth assets, and that's purely because they're considering gold to be a 100% growth at the moment, an alternate growth asset. And then in saying that the defensive and fixed interest side portion make up the rest of the defensive portion there as well.\n\nLike I said, you can sort of split gold up a little bit, whether it's sixty forty, fifty fifty. Gold is at the moment that I feel classified as a growth asset. Doesn't mean it doesn't still act in some instances as a defensive asset for you as well. On the next page over, you will have your illustration of the fees that come out there and also the projections of growth on the page over. So in terms of the split, obviously, you will pay a little bit more in terms of administration costs with the retail platforms due to the reporting features and other features you do hold and the flexibility of those funds.\n\nIn terms of investment costs and overall investment costs, that will come down. In terms of other fees, that will drop as well. The majority of the the fees come from obviously having an adviser and additional insurance costs. And then with that as well, with the increase of the higher growth, the better performing history of those rolling averages there as well, it should, over the long term period, still put you in a better position by having someone to sort of assist you on your financial journey in addition to additional insurances to to risk mitigate there as well. And then being able to build strategies for the future as well and taking advantage of that service, which is the cost you do pay by having an adviser as well.\n\nYou can see just based on that, I'm not too big a fan of projections anyway because, like, no one knows as what the the market's gonna do in five to ten years' time, but it just shows you based off previous figures of that five to ten years what it might look like if everything replicated, which it won't. And then with that, you can sort of see just the past history of your current fund. Obviously, it is less risk because it is more of a balance sort of or a growth or ish option in your CBAS. But as far as the recommended portfolio, it's in line with high growth. You can see a like for like in the appendix of a a balanced growth to a balanced growth and then also the the high growth to the high growth within CBAS and their options as well and how that performance does fare up against the portfolios that we are recommending for you.\n\nNow do you have any questions in regards to any of the the superannuation strategy or the retention strategy for that at the moment there, Jesse? Perfect. As far as the insurance section there on page 20, you'll be able to see there that we are recommending just retaining that fee bus policy for now and the cost of that one, so around $681 per annum. Then we're recommending a MetLife policy of a hun 1,000,000 of life and total permanent disability, which comes out to get a premium of around 1,080 after the 15% rebate being inside super. So it's close to around the 1,300 mark before that.\n\nBut being in super environment, you get a bit of a discount, which is fantastic. And then we're also recommending a 100,000 of a life link with trauma policy outside of super. Now that is $22.92 a month. But within regards to that one as well, we have included the family extras or child extras on that one. Now in the PDF, you can have a look on that and what that means, but, basically, it covers all three of your children for a number of conditions if that was to incur under the age of 16.\n\nSo it's a bit of an out of child benefit. So if any of your children are diagnosed with certain types of cancers like Crohn's, cystic fibrosis, or, like, the death of a child, you know, knock wood, no one wants anything bad to happen, but it can cover up to 10% of, like, your policy, which would be around a $10,000 benefit if they were sort of diagnosed with any of those sort of conditions that are listed under the child covers extra. So feel free to have a look in the PDF and what that means. But with that, you're not only covering for your own traumatic events and the trauma conditions for yourself, it also covers for a number of conditions for all of your children, whether that's the ones that you hold currently or if you have another one in the future there as well. It covers that that's that's the out of pocket one if you did wanna take that one on.\n\nAnd then with that, that covers for for traumatic events for yourself there as well in the event that sort of you're diagnosed with certain traumatic conditions like heart attack, strokes, those sort of things. And out of all the insurers, MetLife actually really does have a good trauma policy in terms of, like, conditions and being diagnosed with conditions. So they call it, like, buckets where if you do claim on a condition, you can reinstate your cover. And as long as it's nothing related to that condition specifically, say you had a a cancer, you got paid out your 100,000, you reinstate your policy there through the trauma reinstatement, come down, you know, another twelve months, you have a heart attack, it means you can claim on that policy again and get another 100,000. So it does cover for multiple conditions, and I believe with MetLife, you can do that up to four times for specific conditions.\n\nObviously, ones that are closely related, it might not, but in saying that, it is a lot sort of a lot of comprehensive policy. So feel free to have a little squeeze in the PDF of what trauma cover actually does cover before you do make a decision. Obviously, if you don't want it, we can sort of get rid of it and you don't have to pay it. That it is one of those covers that is the more claimed on covers. And then it does cover quite a number of conditions there as well for yourself.\n\nNow as far as that being in your best interest there as well, by having not only the CE bus and your your CFMU benefits with the income protection and that MetLife policy, it does bring a cover up quite a degree than what you currently have. If you just look at replacing, you know, seven point five years of your income replacement plus your debts minus superannuation, it comes to about a mill of cover. Then in addition to that one, you'll have the life and TPD in CBUS as an added benefit. And then with that, any CFMEU benefits you hold for, you know, I know they do certain death benefits on the job, out of the job, broken injuries, things like that as well, which can be sort of seen as, like, some form of trauma cover as well. So feel free to weigh it up.\n\nI know sort of the listed conditions, there was too large in terms of what the CFMU insurance benefits and what you caught up what they do cover for across, like, on the work versus out of work versus, like, what's linked with work cover and what isn't. But feel free to have a review of those and see if you feel like the trauma and cover does benefit you there as well. But as I said, it does cover your children and then also MetLife insurance itself, not just limited to the trauma cover. They do have three sixty health, which gives you access to a wide range of of health services that can support not only yourself, but your family there as well. You know, if your sort of partner was looking for additional support and sort of things as well, they're quite good in terms of some of the services they do offer under MetLife, which is nice.\n\nNow with that with the flexible sort of arrangement of payments and how you are paying for that, it does mean that sort of majority of it is funded through superannuation. And given that you're contributing well, earning well, it means that that covers a lot of those premiums. That one out of pocket portion obviously isn't out of pocket and does affect cash flow. And then you have your CFMEU benefits with through your union membership there as well, which is quite nice. And it means you don't have to pay for income protection through either your super out of pocket because that is the more costly insurance anyway, if that makes sense.\n\nNow, obviously, the advantages and disadvantages of that is, obviously, you'll have a retail policy for the life and TPD. Not so much the life policy because life is life, but the total permanent disability, you'll have a more comprehensive insurance policy as opposed to the group cover. And then you'll be able to have a nice sort of weighting of the the premiums from inside versus outside. You can see on page 24 of the current versus recommended versus non insurance and what that sort of looks like in terms of, like, a dollar figure and sort of the cost of that. So combine that of your superannuation, it's around $1,700 and 60 $1,762 in terms of, like, a fee you're paying out of it, which given your your income and how much you are contributing, it's not too high at all.\n\nGenerally, we don't wanna go above 30% of contributions and yours is well below that, which is good. Obviously, the risks are you always have to meet the definitions under retail policies even though they're underwritten in terms of being able to make a successful claim. In regards to group policies, obviously, it's underwritten at the time of claim, not through the underwriting process when establishing the policy. So there is the risk they'll decline the claim anyway in regards to conditions that predate the fund all those group insurances there as well. Now we did consider a few alternatives in regards to different insurers and level premiums.\n\nIt just worked out that MetLife was the best in terms of, like, cost and not only the the pre assessment that we did conduct in terms of their offering. Obviously, you know, it does come down to underwriting and what you do disclose at that time as well. But they did come back with standard rates, which is nice in terms of cost as well as why it's so low. Obviously, if it does sort of come out to be a bit different, we'll address that and sort of have a conversation around how you wanna proceed with that as well. We did also consider having a greater amount with Life and TPD with MetLife and canceling your C Bus insurances.\n\nBut just given, you know, the just the blood pressure and the occupation there currently, it may result in some form of unfavorable terms even though they stated that it won't through the blind pre assessment. Once it sort of comes through that as well, we can sort of have a discussion around either sort of consolidating once you speak to your employer on that as well and even looking at certain increases down the track. They do do life increases as well. So if you now have other children, things like that as well, you can look at increasing the policies without underwriting. But even without that and just taking into consideration seven point five years income replacement, your superannuation, a million dollars worth of cover does cover the debt and that income replacement.\n\nYou obviously could look to do a bit more, but given that you're earning income quite quite nicely and paying down your debt quite quickly, if anything, you're becoming more self insured more than you're requiring more cover. So as you do get older, pay down those debts. If anything, you're reducing the amount of cover you need. So it's just a trade off between cost and actually cover requirements. Obviously, if you did TBD tomorrow, it's probably not the most ideal in the sense that you don't have to earn income ever moving forward, but a million dollars is a nice amount to sort of pay down those debts and have it invested to be able to earn some form of income moving forward as well.\n\nIt's not like you're gonna go to Vegas and put it all on black. It's something that you can be utilized to, you know, invest for the future as well. Now do you have any questions in regards to the insurance recommendation there at all, Jesse? Yeah. Obviously, take yeah.\n\nPretty happy with everything so far. No. Yeah. And it's quite flexible in the sense that, like, obviously, once you're on board to there's no sort of limit into what sort of like, how much advice you can receive in regards to moving forward with your life changes there as well. Obviously, the most significant front cost does come up front, but then from that, it's just your ongoing, like, review of sort of managed funds.\n\nAnd you can sort of bring up anything as you go each year as well and as you sort of grow as a family and things like that as well. And if your wife were to start working, were to come on board, things like that as well, it'll be, you know, future considerations there for you. The the rest of it's quite simple in terms of the will. So it's quite simple in terms of establishing a will with a a lawyer. We can provide some just general information for wills and estates if you'd like from a local solicitor.\n\nThat is just a trusted partner for joint and sort of wheels. And the cost of that one, obviously, the advantages if something were to happen, it just means that if you use it in conjunction with, like, power of attorney and, like, the advanced health care directives, you know, if something were to happen to you where you can't sort of, you know you're incapacitated, they can make decisions for you financially. They don't need to go to the courts or anything to be able to make certain changes, but things that are sort of joint in terms of, like, you having to sign off on it as well. In regards to that, it's sort of, you know, you can sort of state certain things in regards to health and how you'd like to go about things, whether you're the pull the plug kind of person or not. It does take a lot of those decisions out of family members' hands in a time where they might not feel like they can make those sort of decisions as well.\n\nIt's a lot of stress at a time when they probably don't wanna be doing it as well. So it can help if you sort of preemptively put those down. In terms of, like, the beneficiaries, we are recommending to just put your spouse given that she's the primary caregiver for your children for a 100% binding, non lapsing for that. So that just means that it won't change unless you change it. It won't lapse unless you sort of will go in and sort of wanna be able to change it to something else.\n\nIf you do lapsing it every three years, you gotta update it. And if you do just a general sort of nomination to the fund, it just means that they can pick and choose who they actually wanna give it to, and they might choose the kids over your partner as well or do a split. And, you know, your superannuation money and sort of insurance proceeds aren't gonna do much of a benefit to your children if they're unable to, you know, speak and talk yet, let alone sort of pay for for bills. So with that, in addition to that, your spouse is a 100% independent, which means they'll receive those funds tax free as well as opposed to, like, children over the age of 18 get taxed. If it goes to the state, there's certain taxes there as well.\n\nSo given it's your spouse, they'll receive it a 100% tax free, which is fantastic. Obviously, not fantastic that you go on, but fantastic that they don't have to worry about additional taxes. Do you have any questions in regards to that estate planning side of stuff? I'm obviously mindful not to take up all of your afternoon, but it is quite perfect. Obviously, feel free to have a bit of a read through the advantages, disadvantages of that.\n\nObviously, setting up a will does come at a cost, same with sort of organizing power to any things like that. But once it's done, you've only sort of got a review and update versus not having anything in place and, you know, leaving it up to the courts and family sort of fighting over what's left. In regards to the remuneration, we get, like, obviously, the startup fee, which is 3.3% of your super pardon me, balance, which is $4.09 $5.00, so $4,950. And that's the one lump sum upfront. That's for putting the advice together, implementing it, going through those implementation steps with you.\n\nThat's sort of what that covers. Obviously, you don't get charged anything up to the point you were to sign if you were happy with everything. And then with the MetLife policy, we do get 66% of the premium. Now with that one, it's not an additional cost you pay. It's just what we get from the insurer that's setting up the policy, doing that work.\n\nAnd then ongoing, we do get 22% of the trailing commission for monitoring and maintaining that policy. And then the adviser fee is 1.65% ongoing in terms of, like, the funds under management and being able to have access to the ongoing client services of Oakview Financial, if that makes sense. Yep. Do you have any concerns or questions in regards to the fee or the remuneration or what we get or what it's for? Yep.\n\nNot a problem at all. In terms of, like, the next steps on how to implement, obviously, if you were happy with the advice, you would sign the document from there, Oakview Financial. Obviously, there's the application in there as well for Hub twenty four if you were happy with that. They would submit that for that request of funds from CBUS to start that. They'd get you booked in for the personal statement for those MetLife insurances to set up for those amounts.\n\nObviously, you have a think about it in terms of, like, if those are the amounts you're happy with. And even if you did sign tonight, you can go ahead. Once it goes to application change and change some figures, we can just do a record of advice to change that for you, whether or not you wanna do that trauma or not. And then in regards to the beneficiary nominations and setting up a will, obviously, that's up to you. We'll follow you up in terms of giving you the forms and things like that, but I can't force you to fill out your beneficiary forms, and I can't drop a will for you, unfortunately.\n\nI can sort of give you sort of general advice on sort of how you can structure wills and things like that. But given, you know, you got a quite nice family structure, it mostly would probably go to spouse and children. And then that's that's quite as simple as it it gets really. But do you have any questions in regards to implementation, anything like that, or questions in regards to any of the document or anything we covered today? Not a problem, Jesse.\n\nObviously, you know, if you were happy, you would sign, and let me be the first to sort of welcome to the OPU family if you were happy with everything to come on board. Don't feel pressured to to sign. If you if you don't want, you can have a read through it there first, but the team will probably reach out tomorrow or the next day just to see if you do have any questions. I wanna get booked back in for another chat there as well for you. No.\n\nThat one's fine because the recommendation currently is retaining that c bus. So that's like a future consideration thing. So as far as, like, the advice piece today, whether or not you had that letter is fine. There are girls in implementation. Once you did sign the document, it would reach out.\n\nThey would get your I ID. Obviously, if you wanna send that through and you plan on signing, you can send that through preemptively as well because we're gonna make sure you pass through your AML requirements for anti money laundering, things like that as well. And then those girls will also you know, they're they're quite nice. They're they're nice to me as well, but they'll hold your hand through the whole process there, get you booked in for your personal statement. There's no stupid questions, and and, you know, there's it's sort of one of those things that is sort of a big step for a lot of people that haven't sort of taken an undertaken financial advice before.\n\nSo it is a lot of things that are different in you. So ask as many questions as you want. Call up as much as you want. Hug them as much as you want. They get paid to to answer all your questions.\n\nSo feel free to to go ahead. And if you wanna have a chat with me as well, I'm more than happy to have another chat as well for you. Not a problem. But do you have anything for me before I let you go this afternoon to go and digest some of that information there for you, Jesse? Not a problem at all.\n\nYeah. And then with that, like, even though that, like, returns aren't guaranteed, but the one thing you will have is a service at the end of the day that you can ask all your questions for as well. Yeah. Yeah. Yeah.\n\nAnd then sort of once the upfront's paid there as well, which is the additional sort of big fee, it is just the ongoing management. And if the, like, performance does sort of keep track with what sort of was recommended in the markets are doing well, then that helps pay for that fee in addition to you know, you can take advantage of that service to implement sort of more advice down the track as well and keep you updated and sort of keep on top of you a little bit. I know for some people, it's a little bit out of sight out of mind, but when someone's calling you, bugging you about it every twelve months to have a conversation, it sort of, you know, keeps you on top of it a bit more as well. No problem, Jesse. Well, I'll let you get back to your afternoon, get back to the the kids, enjoy some dinner.\n\nAnd then, yeah, any questions? The girls will probably reach out tomorrow the next day just to see if you do have any questions. But other than that, I'm sure we'll be talking soon in the future as well. No problem at all, Matt. You enjoy the rest of your day.\n\nThanks for your chat. Cheers. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Jesse.","start":1.5999999,"end":2.48,"sentiment":"positive","sentiment_score":0.35240915417671204},{"text":"It's Carl calling from OQ Financial.","start":2.48,"end":4.08,"sentiment":"neutral","sentiment_score":0.24568608899911246},{"text":"How are you today?","start":4.08,"end":4.9,"sentiment":"neutral","sentiment_score":0.2735137343406677},{"text":"Yeah.","start":6.24,"end":6.64,"sentiment":"neutral","sentiment_score":0.23731887340545657},{"text":"Not too bad at all.","start":6.64,"end":7.2799997,"sentiment":"neutral","sentiment_score":0.31990382373332976}],"sentiment":"neutral","sentiment_score":0.28748615399787303,"num_words":19,"start":1.5999999,"end":7.2799997},{"sentences":[{"text":"Thanks for asking.","start":7.2799997,"end":7.9199996,"sentiment":"positive","sentiment_score":0.6896311044692993},{"text":"I've got you scheduled in for that presentation this afternoon.","start":7.9199996,"end":9.92,"sentiment":"positive","sentiment_score":0.45587040185928346},{"text":"Is now a good time for you?","start":9.92,"end":11.38,"sentiment":"positive","sentiment_score":0.4297222580228533},{"text":"Perfect.","start":12.975,"end":13.475,"sentiment":"positive","sentiment_score":0.47235536575317383},{"text":"Just before we jump into that one, Jesse, just because it has been that couple of weeks since we last spoke, can I just confirm that nothing sort of changed in regards to your your details in regards to occupation, personal circumstances, things like that?","start":13.535,"end":26.275,"sentiment":"neutral","sentiment_score":0.03641816253463427}],"sentiment":"neutral","sentiment_score":0.1779822093632185,"num_words":66,"start":7.2799997,"end":26.275},{"sentences":[{"text":"Perfect.","start":28.630001,"end":29.130001,"sentiment":"neutral","sentiment_score":0.24690747261047363},{"text":"And just before I send this out there, Jesse, if I could just confirm your full name, date of birth, and current address to send you this document?","start":29.27,"end":35.29,"sentiment":"neutral","sentiment_score":0.07384969280766589},{"text":"Brilliant.","start":41.125,"end":41.445,"sentiment":"positive","sentiment_score":0.45352476835250854},{"text":"Thanks for that one.","start":41.445,"end":42.585,"sentiment":"positive","sentiment_score":0.5383078157901764},{"text":"And can I just confirm your email is j.j.welsh@hotmail.com?","start":43.205,"end":49.465,"sentiment":"neutral","sentiment_score":0.10000556086500485}],"sentiment":"neutral","sentiment_score":0.13538383605868318,"num_words":43,"start":28.630001,"end":49.465},{"sentences":[{"text":"Perfect.","start":51.27,"end":51.77,"sentiment":"neutral","sentiment_score":0.3155193328857422},{"text":"So these documents will come through shortly.","start":52.07,"end":54.309998,"sentiment":"neutral","sentiment_score":0.1424633583852223},{"text":"Now in this pack here, you'll have it's by Otusign.","start":54.309998,"end":58.17,"sentiment":"neutral","sentiment_score":0.06389641351997852},{"text":"I'm not too sure what signing services you probably used in the past.","start":58.23,"end":61.21,"sentiment":"neutral","sentiment_score":-0.051392727746413305},{"text":"But with one here, you'll have some listed attachments.","start":61.67,"end":64.47,"sentiment":"neutral","sentiment_score":0.0249941802273194}],"sentiment":"neutral","sentiment_score":0.03771422845311463,"num_words":40,"start":51.27,"end":64.47},{"sentences":[{"text":"So you'll have a copy of your statement of advice, The appendix to your statement of advice.","start":64.47,"end":68.875,"sentiment":"neutral","sentiment_score":0.05215782124330016},{"text":"Also, the PDF is in regards to the documents that we are sort of recommending, the products we're recommending, the quote to have a look at, and then there is a signable portion that's for our link as well.","start":69.575,"end":80.375,"sentiment":"neutral","sentiment_score":0.06123902386006636},{"text":"Now in the signable portion there, it's a little bit different in terms of what is in there.","start":80.375,"end":85.57,"sentiment":"neutral","sentiment_score":-0.01910472009330988},{"text":"So there's also a lost super research form, a third party authority, a tax file opt in form.","start":85.57,"end":91.19,"sentiment":"neutral","sentiment_score":0.011194527200940583},{"text":"These obviously all in the event that you did come on board as a client.","start":91.57,"end":94.29,"sentiment":"neutral","sentiment_score":0.042746254801750184}],"sentiment":"neutral","sentiment_score":0.03526930132375978,"num_words":107,"start":64.47,"end":94.29},{"sentences":[{"text":"I'm just letting you know what's coming out in the packet.","start":94.29,"end":96.645004,"sentiment":"neutral","sentiment_score":0.0680191083387895},{"text":"I know it sounds like a lot coming at you.","start":96.645004,"end":98.505005,"sentiment":"neutral","sentiment_score":-0.13508078083395958},{"text":"And then with that, you'll have a copy of your fact find that we used to build the advice and also your risk profile with that.","start":99.685005,"end":104.985,"sentiment":"neutral","sentiment_score":0.013242137331802111},{"text":"Now do you have any questions in regards to that or the the documents that will be coming out today?","start":105.125,"end":111.32,"sentiment":"neutral","sentiment_score":0.03289050552994013},{"text":"Perfect.","start":114.18,"end":114.58,"sentiment":"neutral","sentiment_score":0.230726957321167}],"sentiment":"neutral","sentiment_score":0.009268162087263429,"num_words":68,"start":94.29,"end":114.58},{"sentences":[{"text":"So that'll be there shortly.","start":114.58,"end":115.939995,"sentiment":"neutral","sentiment_score":0.1525973469018936},{"text":"Just let me know when it pops up, and then we can run through everything there together.","start":115.939995,"end":119.72,"sentiment":"neutral","sentiment_score":0.11763654912219328},{"text":"It may just take a second, these larger ones.","start":124.034996,"end":126.295,"sentiment":"neutral","sentiment_score":-0.022455354635086324},{"text":"Okay.","start":132.035,"end":132.435,"sentiment":"neutral","sentiment_score":-0.017392341047525406},{"text":"Not a problem.","start":132.435,"end":133.255,"sentiment":"neutral","sentiment_score":0.12038160984714825}],"sentiment":"neutral","sentiment_score":0.08298463903899704,"num_words":35,"start":114.58,"end":133.255},{"sentences":[{"text":"While that is coming through there as well, I'll just get a start on sort of the start of the document there.","start":135.35,"end":143.11,"sentiment":"neutral","sentiment_score":0.1442002938552336},{"text":"So it was finalized on the March 17, which was yesterday and there in terms of the the document itself where it was sort of printed to a PDF.","start":143.11,"end":150.77501,"sentiment":"neutral","sentiment_score":0.16269049035577937},{"text":"Now we that you do have thirty days from the day to be able to sign that with no sort of changes.","start":151.315,"end":155.955,"sentiment":"neutral","sentiment_score":0.13803199915723366},{"text":"Obviously, you did confirm nothing's changed.","start":155.955,"end":157.795,"sentiment":"neutral","sentiment_score":0.17468767861525217},{"text":"You do have another thirty format if you did want some extra time and confirm your details again that nothing has changed as well.","start":157.795,"end":164.73999,"sentiment":"neutral","sentiment_score":0.15076629103471836}],"sentiment":"neutral","sentiment_score":0.15139467692346248,"num_words":103,"start":135.35,"end":164.73999},{"sentences":[{"text":"Now as far as the document itself, it's created for yourself.","start":165.12,"end":168.0,"sentiment":"neutral","sentiment_score":0.12352714823050932},{"text":"It is personalized advice from myself, Kyle, getting us an authorized representative under Oakview Financial.","start":168.0,"end":173.12,"sentiment":"neutral","sentiment_score":0.18708001573880514},{"text":"You can look us both up.","start":173.12,"end":174.16,"sentiment":"neutral","sentiment_score":0.19450116157531738},{"text":"We're both both legit.","start":174.16,"end":175.68,"sentiment":"neutral","sentiment_score":0.30423448234796524},{"text":"You know, we come up with all the registries.","start":175.68,"end":177.075,"sentiment":"neutral","sentiment_score":0.15687538352277544}],"sentiment":"neutral","sentiment_score":0.17690716038147608,"num_words":45,"start":165.12,"end":177.075},{"sentences":[{"text":"You can also have a look on the website if you know and to know a little bit about me, myself, the the team as well.","start":177.075,"end":182.61499,"sentiment":"neutral","sentiment_score":0.11792434981236091},{"text":"As far as best interest duty is concerned, we don't make a recommendation unless we can put you in best interest.","start":183.075,"end":187.47499,"sentiment":"neutral","sentiment_score":-0.2592346192825408},{"text":"It's kinda what we're bound by.","start":187.47499,"end":189.015,"sentiment":"neutral","sentiment_score":-0.20453999439875284},{"text":"So based on the research we do, if we can't put you in a better decision, we won't recommend it.","start":189.39499,"end":192.87001,"sentiment":"neutral","sentiment_score":-0.2891764521598816},{"text":"We'll sort of just knock you back and give you a bit of general advice on the way.","start":192.87001,"end":196.25,"sentiment":"neutral","sentiment_score":-0.06262085483305985}],"sentiment":"neutral","sentiment_score":-0.11555866270766153,"num_words":91,"start":177.075,"end":196.25},{"sentences":[{"text":"As far as the scoping of the advice, now the main portions in which we're addressing in the advice piece, I know you sort of just wanna keep it simple, stupid.","start":197.35,"end":205.375,"sentiment":"neutral","sentiment_score":-0.10518840303824793},{"text":"There's the superannuation insurances and estate planning.","start":205.375,"end":208.595,"sentiment":"neutral","sentiment_score":-0.12339105190975326},{"text":"Now superannuation was obviously a key point with not being happy with your current fund, the returns, and just the fund itself.","start":209.455,"end":215.155,"sentiment":"negative","sentiment_score":-0.5497744218869642},{"text":"Insurances obviously wanting to look at having a bit more cover to cover not only sort of just the the debt there, but have a little bit extra as well and making sure the family's protected.","start":216.6,"end":224.78,"sentiment":"neutral","sentiment_score":0.0521939852171474},{"text":"And then also this the estate planning.","start":225.24,"end":228.28,"sentiment":"neutral","sentiment_score":0.13092661116804397}],"sentiment":"neutral","sentiment_score":-0.13033150867061707,"num_words":103,"start":197.35,"end":228.28},{"sentences":[{"text":"I know you sort of weren't too fast on that.","start":228.28,"end":230.58499,"sentiment":"neutral","sentiment_score":0.04725816808640957},{"text":"You haven't really given it much thought, but we just made a recommendation on how you can sort of put a few things in place to be able to better protect yourself if something were to happen there.","start":230.58499,"end":239.925,"sentiment":"neutral","sentiment_score":0.19584885303323207},{"text":"As far as things we did consider but didn't sort of provide advice on this time around was we look at your budgeting savings.","start":240.625,"end":247.7,"sentiment":"neutral","sentiment_score":0.039775283386309944},{"text":"I know you're sort of happy managing that yourself.","start":247.7,"end":249.3,"sentiment":"positive","sentiment_score":0.3481950793001387},{"text":"You're saving quite well in terms of what you're managing to put away.","start":249.3,"end":252.04001,"sentiment":"neutral","sentiment_score":0.21909203860335624}],"sentiment":"neutral","sentiment_score":0.15799358630790672,"num_words":94,"start":228.28,"end":252.04001},{"sentences":[{"text":"So we didn't really see a need to touch on that, and you didn't see a need to receive advice on that.","start":252.74,"end":256.66,"sentiment":"neutral","sentiment_score":-0.15452060306614096},{"text":"We can send you just a copy of the budget planner if you ever did wanna sort of just utilize it for your daily budget.","start":256.66,"end":262.08502,"sentiment":"neutral","sentiment_score":0.2915541422367096},{"text":"I know sort of a lot of people, you know, it's all up in their head what was coming out when, but sometimes it does help to put it on a bit of paper as well just to be able to follow it and track it a bit better, see how many subscriptions are there, and maybe a few that could go.","start":262.08502,"end":274.68,"sentiment":"neutral","sentiment_score":0.24373378352292122},{"text":"Then also in regards to debt management, I know you're sort of tracking quite well with that in regards to the debt you do hold on your your primary residence and reducing that down.","start":276.36,"end":284.94,"sentiment":"neutral","sentiment_score":0.19308966310585246},{"text":"You do also have access to the mortgage brokers here if you ever do wanna look at refinancing investment properties down in the future, things like that as well.","start":286.03998,"end":293.275,"sentiment":"neutral","sentiment_score":0.18616145592311334}],"sentiment":"neutral","sentiment_score":0.1800268932224013,"num_words":172,"start":252.74,"end":293.275},{"sentences":[{"text":"I know you sort of mentioned investment property at a later date.","start":294.055,"end":296.375,"sentiment":"neutral","sentiment_score":-0.046979532887538276},{"text":"They're not sort of looking at it now.","start":296.375,"end":297.895,"sentiment":"neutral","sentiment_score":-0.30094006657600403},{"text":"Even if you wanted to come on board, if you did wanna sort of just get a referral to one of the mortgage brokers, that's more than fine as well.","start":297.895,"end":304.055,"sentiment":"positive","sentiment_score":0.36171349411209425},{"text":"We don't sort of, you know, gatekeep other services.","start":304.055,"end":307.13,"sentiment":"neutral","sentiment_score":-0.02657368779182434},{"text":"We're happy to pass along those details.","start":307.13,"end":308.99,"sentiment":"positive","sentiment_score":0.4535055671419416}],"sentiment":"neutral","sentiment_score":0.1638712981207804,"num_words":66,"start":294.055,"end":308.99},{"sentences":[{"text":"Oh, brilliant.","start":311.93,"end":312.59,"sentiment":"positive","sentiment_score":0.7488318979740143},{"text":"So if you did wanna open that one up, as I said, there will be a link.","start":312.65,"end":315.93,"sentiment":"neutral","sentiment_score":0.21945442522273345},{"text":"You don't have to click on the link yet.","start":315.93,"end":317.45,"sentiment":"neutral","sentiment_score":0.12773943692445755},{"text":"That's just to to sign and review those other documents in regards to the third party form to be able to have visibility on your your c bus.","start":317.45,"end":324.945,"sentiment":"neutral","sentiment_score":0.16920004226267338},{"text":"We'll send that off just so we can see what's there.","start":324.945,"end":326.945,"sentiment":"neutral","sentiment_score":0.09093651683493094}],"sentiment":"neutral","sentiment_score":0.1808350272476673,"num_words":67,"start":311.93,"end":326.945},{"sentences":[{"text":"We don't actually change any or make any changes with that.","start":326.945,"end":330.245,"sentiment":"neutral","sentiment_score":-0.06625173105434938},{"text":"LSA is to look for other supers you may hold, and then the tax file opt in is obviously just to hold your tax file number on file.","start":330.385,"end":336.48502,"sentiment":"neutral","sentiment_score":0.06622951185064656},{"text":"In the last bit of the scope scoping there, we did also scope out the personal investments given that, you know, laid down the track you might wanna look at for personal investments for yourself, your children, and also that investment property, but you're not quite there yet.","start":337.9,"end":349.02002,"sentiment":"neutral","sentiment_score":0.05924247756289939},{"text":"So we just made a note of that as well.","start":349.02002,"end":350.88,"sentiment":"neutral","sentiment_score":0.14564744904637336},{"text":"Now if you did open up that attachment for statement advice, we're up to page seven now, and then it's just the limit limited advice warning just to state we're only giving advice on super insurances and the estate planning side of things.","start":352.39502,"end":365.85,"sentiment":"neutral","sentiment_score":-0.01752784680358546}],"sentiment":"neutral","sentiment_score":0.03337195207963565,"num_words":140,"start":326.945,"end":365.85},{"sentences":[{"text":"Everything else is not actually a recommendation.","start":365.85,"end":368.11,"sentiment":"neutral","sentiment_score":-0.1888951531478337},{"text":"We just made a note of it.","start":368.33,"end":369.94998,"sentiment":"neutral","sentiment_score":-0.06918506750038692},{"text":"Does that make sense?","start":370.33,"end":371.38998,"sentiment":"neutral","sentiment_score":0.059356351383030415},{"text":"Do you have that up in front of you now to go through that with me?","start":371.69,"end":374.75,"sentiment":"neutral","sentiment_score":0.039305596495978534},{"text":"Perfect.","start":375.28998,"end":375.78998,"sentiment":"positive","sentiment_score":0.4420868456363678}],"sentiment":"neutral","sentiment_score":-0.014233135698097093,"num_words":35,"start":365.85,"end":375.78998},{"sentences":[{"text":"Perfect.","start":377.785,"end":378.105,"sentiment":"positive","sentiment_score":0.5133423209190369},{"text":"This is the simplified version of the entire document because, obviously, there's a lot of words coming at you.","start":378.105,"end":382.905,"sentiment":"neutral","sentiment_score":0.1880275630637219},{"text":"We try and sort of simplify the main key points of what it is recommending.","start":382.905,"end":386.665,"sentiment":"neutral","sentiment_score":0.1780912974694123},{"text":"So in regards the recommendation, we're recommending you roll over your SeaBus superannuation fund to a fund called Hub twenty four Super.","start":386.665,"end":393.34,"sentiment":"neutral","sentiment_score":0.1280687874691053},{"text":"It's an industry to a retail.","start":394.12,"end":395.74,"sentiment":"neutral","sentiment_score":0.2095979725321134}],"sentiment":"neutral","sentiment_score":0.17194185143942753,"num_words":63,"start":377.785,"end":395.74},{"sentences":[{"text":"In saying that, we do look to keep this portion of the SeaBus.","start":396.36,"end":399.08,"sentiment":"neutral","sentiment_score":0.26811243708317095},{"text":"Now that's not only just because of those insurances, it's also because your EBA actually states that you meant to stay with CBUS.","start":399.08,"end":407.275,"sentiment":"neutral","sentiment_score":0.11023815186775249},{"text":"Now in 2021, the government did come out with a rules change, like a my choice of super rules change legislation.","start":407.275,"end":413.855,"sentiment":"neutral","sentiment_score":0.11169118185838063},{"text":"That means, like, everyone should have choice of fund anyway, but just based on the fact that your EBA still specifically states stay with Cbus from the one we looked at, that Borga cranes, New South Wales version.","start":414.395,"end":426.43,"sentiment":"neutral","sentiment_score":0.14983571261951797},{"text":"Now if we were to have a conversation, like, you had a conversation with your payroll, confirm that they're happy to, you know, have choice of fund, it's more than something we can review in future as well.","start":430.10498,"end":441.87997,"sentiment":"neutral","sentiment_score":0.20351476967334747}],"sentiment":"neutral","sentiment_score":0.16386294978341662,"num_words":133,"start":396.36,"end":441.87997},{"sentences":[{"text":"We just didn't have that information.","start":441.87997,"end":443.34,"sentiment":"neutral","sentiment_score":-0.07921243955691655},{"text":"Also, in addition to that one, when we get down to the insurance part there as well, we did, like, recommend retaining that for now.","start":443.96,"end":451.02,"sentiment":"neutral","sentiment_score":0.12214197009801865},{"text":"In future, once we sort of confirm those details, there is the options to look at consolidating that via transfer terms or looking at adjusting your current cover depending on the insurance outcomes.","start":452.215,"end":462.535,"sentiment":"neutral","sentiment_score":0.09699997881596739},{"text":"Because with the insurer we picked, they did come back with standard terms.","start":462.535,"end":465.895,"sentiment":"neutral","sentiment_score":-0.012226463223879155},{"text":"But just given a little bit of history of blood pressure and your occupation, we just wanna be mindful of the fact that it still may come up with a loading or some sort of exclusion even though they stated standard terms because they like to go back on what they sort of review those blind pre assessments at anyway.","start":465.895,"end":480.30002,"sentiment":"neutral","sentiment_score":-0.290006218974789}],"sentiment":"neutral","sentiment_score":-0.08598571711213049,"num_words":137,"start":441.87997,"end":480.30002},{"sentences":[{"text":"So in the interim, while all the implementations going into force and all that's going through, obviously, it just sets up the best position that if anything did occur, it's in your best interest.","start":481.205,"end":491.865,"sentiment":"neutral","sentiment_score":0.0594077036880395},{"text":"Doesn't mean we can't review it following that as well, if that makes sense.","start":492.085,"end":495.48,"sentiment":"neutral","sentiment_score":-0.07624744876687016},{"text":"Perfect.","start":496.92,"end":497.42,"sentiment":"positive","sentiment_score":0.6495028138160706},{"text":"So with that, we are looking to retain the c bus and opting into those insurances for now and then applying for life and TPD and trauma cover with MetLife and then paying through that with Hub twenty four to save you your out of pocket expenses a little bit.","start":498.04,"end":510.765,"sentiment":"neutral","sentiment_score":0.23229111179709436},{"text":"And then with that, the trauma would be the only out of pocket cost, which is the smaller amount.","start":511.885,"end":516.925,"sentiment":"neutral","sentiment_score":0.12779233722310318}],"sentiment":"neutral","sentiment_score":0.13258059706412634,"num_words":118,"start":481.205,"end":516.925},{"sentences":[{"text":"But when we get down to that, I'll go into a bit more details as well about the features of that.","start":516.925,"end":520.685,"sentiment":"neutral","sentiment_score":0.11395967858178276},{"text":"And then retaining your CFMEU insurance benefits there as well for the IP and death benefits and things like that and injury benefits that you do hold with that union.","start":520.685,"end":529.23,"sentiment":"neutral","sentiment_score":0.11686367864410083},{"text":"So at the moment, it'd be 10,000.","start":544.265,"end":546.045,"sentiment":"neutral","sentiment_score":0.015132544562220573},{"text":"And then with that, your contributions would stay in CBAS until we've deconfirm everything with your employer.","start":547.58997,"end":552.97,"sentiment":"neutral","sentiment_score":0.029872317592996883},{"text":"Because obviously, with Choice of Fund, if they don't sort of wanna pay to a different fund, you would have to remain with CBAS in terms of payments and salary sacrifice.","start":553.02997,"end":560.08997,"sentiment":"neutral","sentiment_score":-0.06714068124851873}],"sentiment":"neutral","sentiment_score":0.041806223602385596,"num_words":106,"start":516.925,"end":560.08997},{"sentences":[{"text":"Okay.","start":582.79,"end":583.02997,"sentiment":"neutral","sentiment_score":0.1201971247792244},{"text":"Okay.","start":583.02997,"end":583.52997,"sentiment":"neutral","sentiment_score":0.20253857970237732},{"text":"Perfect.","start":587.205,"end":587.705,"sentiment":"neutral","sentiment_score":-0.02354803681373596},{"text":"So with that, the way this works anyway is that we've got you recommended based on the EBA.","start":587.925,"end":593.065,"sentiment":"neutral","sentiment_score":0.2955067679286003},{"text":"If you go and collect those details and just shoot us an email or just get it in writing, that is well.","start":593.445,"end":598.56,"sentiment":"positive","sentiment_score":0.45272371850230475}],"sentiment":"positive","sentiment_score":0.36228444877752036,"num_words":43,"start":582.79,"end":598.56},{"sentences":[{"text":"Once you sort of go through implementation, we can look at further consolidation there for you as well.","start":598.56,"end":603.86,"sentiment":"neutral","sentiment_score":0.29647142357296413},{"text":"Just to to confirm or if you just confirm with them with your payroll that you do have choice of fund and just shoot us an email that you do, in fact, have choice of fund based on that EBA there as well.","start":604.4,"end":618.355,"sentiment":"neutral","sentiment_score":0.2416222577178201},{"text":"Because we're looking we could only see one for 2018, which seems a little bit outdated there as well.","start":618.895,"end":623.695,"sentiment":"neutral","sentiment_score":-0.1512134096732265},{"text":"And that's the one yeah.","start":623.695,"end":632.03,"sentiment":"neutral","sentiment_score":-0.061201269179582594},{"text":"I'd say with yeah.","start":632.03,"end":634.75,"sentiment":"neutral","sentiment_score":-0.009490620344877243}],"sentiment":"neutral","sentiment_score":0.14055302354057184,"num_words":89,"start":598.56,"end":634.75},{"sentences":[{"text":"So I'd say generally with that, they will come out and say you do have choice of fund anyway.","start":634.75,"end":638.93,"sentiment":"neutral","sentiment_score":0.17876676862177096},{"text":"Given that of once the insurances and things go through, have a look at it.","start":639.15,"end":642.645,"sentiment":"neutral","sentiment_score":0.140614652633667},{"text":"Because you had to note all the transfer terms questions.","start":643.185,"end":645.505,"sentiment":"neutral","sentiment_score":0.1476719506084919},{"text":"It can be as simple as looking to transfer that cover over.","start":645.505,"end":648.885,"sentiment":"neutral","sentiment_score":0.1868517038722833},{"text":"And then also based on the underwriting outcomes there as well and what comes from that, That is also we can talk and review.","start":649.34503,"end":656.31,"sentiment":"neutral","sentiment_score":0.1544785931085547}],"sentiment":"neutral","sentiment_score":0.16165268225595356,"num_words":80,"start":634.75,"end":656.31},{"sentences":[{"text":"So there's no harm in sort of keeping it there for now.","start":656.31,"end":658.55,"sentiment":"neutral","sentiment_score":0.24095089361071587},{"text":"And then once you go through implementation, we can do a little review and an amendment just to say we're gonna look to maintain that group, roll it across, or or look at sort of just altering some policy benefits there as well.","start":658.55,"end":672.18506,"sentiment":"neutral","sentiment_score":0.14118147450824117},{"text":"Yep.","start":677.84503,"end":678.34503,"sentiment":"neutral","sentiment_score":0.1158357560634613},{"text":"Yeah.","start":686.74,"end":687.22,"sentiment":"neutral","sentiment_score":0.12382381409406662},{"text":"So so with that, each year, we'll do a review, and that will be to look at yeah.","start":687.22,"end":692.20496,"sentiment":"neutral","sentiment_score":0.08823842824333245}],"sentiment":"neutral","sentiment_score":0.14386887207627297,"num_words":75,"start":656.31,"end":692.20496},{"sentences":[{"text":"That's a minimum to look at moving any funds over to keeping that $10,000 retention.","start":692.20496,"end":697.665,"sentiment":"neutral","sentiment_score":0.1558999349673589},{"text":"If your employee comes back and then it sort of works out in your best interest still to retain CBAS for those insurance purposes there as well, there is the option to, you know, you can contribute to Pub twenty four and just look at, you know, reviewing that HE and making sure there's enough to cover their premiums because they're not exactly absorbent at the moment.","start":697.96497,"end":716.16003,"sentiment":"neutral","sentiment_score":0.1666585124695479},{"text":"Or, you know, you can do a mix of, like, contributing to hub or maybe sales backing to, you know, Cbus so we can split it a number of sort of ways.","start":716.3,"end":723.885,"sentiment":"neutral","sentiment_score":0.04789044242352247},{"text":"It just depends on what you're comfortable with.","start":724.42505,"end":726.185,"sentiment":"neutral","sentiment_score":0.10214316565543413},{"text":"But in that saying that, we are gonna recommend the opt in to those insurances and getting that form completed.","start":726.185,"end":731.325,"sentiment":"neutral","sentiment_score":0.20772310942411423}],"sentiment":"neutral","sentiment_score":0.14090648613555332,"num_words":142,"start":692.20496,"end":731.325},{"sentences":[{"text":"So in the event that it does drop below to sort of a bit of a lower balance, they're not gonna just roll your fund to the ATO.","start":731.945,"end":737.13,"sentiment":"neutral","sentiment_score":-0.13130861361111915},{"text":"It stays open anyway.","start":737.19,"end":738.65,"sentiment":"neutral","sentiment_score":0.04222863353788853},{"text":"That's all part of the implementation sort of process as well.","start":740.07,"end":743.37,"sentiment":"neutral","sentiment_score":0.13972484862262552},{"text":"Obviously, the recommendation at the moment is keeping CBAS once we sort of go through that.","start":743.91003,"end":747.975,"sentiment":"neutral","sentiment_score":0.029660711472388357},{"text":"And if you are happy with this recommendation, obviously, we can make a couple of adjustments based on sort of if you did wanna speak to your employer first and then sort of confirm that with this, we can change the recommendation to do transfer terms, things like that as well.","start":747.975,"end":760.95496,"sentiment":"neutral","sentiment_score":0.16299430470840603}],"sentiment":"neutral","sentiment_score":0.06196843283250928,"num_words":110,"start":731.945,"end":760.95496},{"sentences":[{"text":"But when you do move group cover as well, it does sort of restart the exclusion period.","start":762.07,"end":766.79,"sentiment":"neutral","sentiment_score":-0.11372822238241925},{"text":"So given that you've had your C bus account for quite some time, if anything did come up, you know, in regards to, like, the blood pressure, things like that, that might be like an exclusion on policy loadings.","start":766.79,"end":775.85,"sentiment":"neutral","sentiment_score":-0.17711411607571137},{"text":"It does sort of restart that exclusion period, whereas having that group cover now, even though it's not underwritten, it probably predates any sort of blood pressure or high blood pressure, which means it may be more claimable staying where it is, and that's sort of a benefit you might be giving up.","start":776.385,"end":791.28503,"sentiment":"neutral","sentiment_score":-0.21022149836117365},{"text":"That's a conversation we can have as well if you're sort of happy to restart that exclusion period.","start":791.57,"end":796.95,"sentiment":"neutral","sentiment_score":0.017497837336526975},{"text":"Perfect.","start":799.01,"end":799.49,"sentiment":"positive","sentiment_score":0.5905457735061646}],"sentiment":"neutral","sentiment_score":-0.14903955371119082,"num_words":128,"start":762.07,"end":799.49},{"sentences":[{"text":"But as far as the insurance side of things, just recommending retaining it for now and then establishing the beneficiary nominations, establishing a will, and then a power of attorney there as well.","start":799.49,"end":808.725,"sentiment":"neutral","sentiment_score":0.1384759789163416},{"text":"Now in regards to the next page, it's just the details about you.","start":809.665,"end":813.265,"sentiment":"neutral","sentiment_score":0.06064789197765864},{"text":"The page over is just your assets and liabilities there as well.","start":813.265,"end":815.825,"sentiment":"neutral","sentiment_score":0.06890576363851626},{"text":"So feel free to have a quick look over that.","start":815.825,"end":817.62,"sentiment":"neutral","sentiment_score":0.14479197934269905},{"text":"Make sure that is all correct.","start":817.7,"end":819.4,"sentiment":"neutral","sentiment_score":0.17892229308684668}],"sentiment":"neutral","sentiment_score":0.11765476507512299,"num_words":74,"start":799.49,"end":819.4},{"sentences":[{"text":"Perfect.","start":823.54,"end":824.04,"sentiment":"positive","sentiment_score":0.588347315788269},{"text":"When you do get down to page 10, you will see a risk profile.","start":824.9,"end":828.36,"sentiment":"neutral","sentiment_score":0.13768091398690427},{"text":"Now within regards to those questions that you did answer, you did come out as a more like high growth to aggressive investor.","start":828.9,"end":834.915,"sentiment":"neutral","sentiment_score":0.2985151390666547},{"text":"Now given the conversation we did have about your sort of position time to retirement and what you're trying to achieve, you were sort of more comfortable with just having a few defensive assets still, especially given what is going on at the moment.","start":835.77496,"end":846.66,"sentiment":"neutral","sentiment_score":0.0923442223363302},{"text":"So we did recommend going with the higher growth.","start":846.66,"end":848.33997,"sentiment":"neutral","sentiment_score":0.1785905733704567}],"sentiment":"neutral","sentiment_score":0.16540867311286403,"num_words":91,"start":823.54,"end":848.33997},{"sentences":[{"text":"It's around that ninety ten sort of split.","start":848.33997,"end":850.27997,"sentiment":"neutral","sentiment_score":0.10015731584280729},{"text":"With that, if that still makes sense and you still agree with that one?","start":851.62,"end":854.6,"sentiment":"neutral","sentiment_score":0.09713730455509254},{"text":"Perfect.","start":856.18,"end":856.68,"sentiment":"positive","sentiment_score":0.5715813636779785},{"text":"In regards to getting down to the strategy recommendation there, so it's establishing hub 34, the partial rollover from C Bus, investing your funds per the recommended investment, which I'll go over down a few pages there as well.","start":857.585,"end":868.645,"sentiment":"neutral","sentiment_score":0.14984963738765472},{"text":"Redacting contributions from employer to your making sure it stays in your your C Bus account for now and then maintaining your current salary sacrifice arrangement on the weekly 5% basis.","start":869.505,"end":879.75995,"sentiment":"neutral","sentiment_score":0.09813937196327795}],"sentiment":"neutral","sentiment_score":0.12493783379754712,"num_words":93,"start":848.33997,"end":879.75995},{"sentences":[{"text":"Now as far as it's being in your best interest at the moment with the the EBA, it means you get to keep that fund.","start":880.45996,"end":886.39496,"sentiment":"neutral","sentiment_score":0.11952227920293808},{"text":"Also, if you could confirm if you do get any employer benefits by maintaining CBAS as well, we couldn't see any, but sometimes having an EBA just holding that fund, you do get an additional employer benefit by holding it.","start":886.39496,"end":898.815,"sentiment":"neutral","sentiment_score":0.30917484499514103},{"text":"So if you could confirm that in addition to choice of fund, that would be great.","start":899.46,"end":903.48004,"sentiment":"positive","sentiment_score":0.6596939992159605},{"text":"And then just shoot us an email.","start":904.18,"end":905.80005,"sentiment":"neutral","sentiment_score":0.24988816465650285},{"text":"So at the moment, we're recommending just retaining that.","start":906.5,"end":909.24005,"sentiment":"neutral","sentiment_score":0.2513394471671846}],"sentiment":"neutral","sentiment_score":0.3084683190147901,"num_words":97,"start":880.45996,"end":909.24005},{"sentences":[{"text":"And then by having the hub 24, not only do you have a retail platform that can sort of be more conducive with working with a financial plan in regards to strategies you can achieve by having the fund, a lot better reporting, a lot more access to investments.","start":909.38,"end":922.825,"sentiment":"positive","sentiment_score":0.4810895275096504},{"text":"I know we make the investment now, but it doesn't mean you sorta can't sort of have conversations in regards to including certain things or investments or being a bit more customizable to you.","start":923.125,"end":931.98,"sentiment":"neutral","sentiment_score":0.23817280307412148},{"text":"Obviously, this is sort of just a base portfolio that OPU Financial built.","start":931.98,"end":935.43994,"sentiment":"positive","sentiment_score":0.3606816392678481},{"text":"And sort of as you grow, as things change, and you wanna sort of adjust things as well, there is the option that you can sort of make those adjustments as well in addition to other things like pairing with IDPS accounts and things like that on the platform, which can lower administration fees, things like that as well and have all your reporting in in one place as it like a future benefit.","start":935.89996,"end":955.355,"sentiment":"positive","sentiment_score":0.38441615148976044},{"text":"In addition to that one, you know, there are benefits in terms of, like, you know, your spouse.","start":957.53,"end":962.01,"sentiment":"neutral","sentiment_score":0.1091589406132698}],"sentiment":"positive","sentiment_score":0.35516904044817105,"num_words":188,"start":909.38,"end":962.01},{"sentences":[{"text":"I'm not too sure.","start":962.01,"end":962.73004,"sentiment":"neutral","sentiment_score":-0.022357753943651915},{"text":"I can't remember what your your spouse does, but if she, I believe, was working well, we did just put the kids at the moment.","start":962.73004,"end":968.17004,"sentiment":"neutral","sentiment_score":0.0415609323233366},{"text":"But once she's working again and sort of wanted to to come on board, there is a couple speak at the moment, which reduces your okay.","start":968.17004,"end":977.695,"sentiment":"neutral","sentiment_score":0.053114175509948},{"text":"Yeah.","start":977.695,"end":977.93506,"sentiment":"neutral","sentiment_score":0.0502876341342926},{"text":"Not a problem.","start":977.93506,"end":978.755,"sentiment":"neutral","sentiment_score":0.03615211012462775}],"sentiment":"neutral","sentiment_score":0.04219160711992595,"num_words":59,"start":962.01,"end":978.755},{"sentences":[{"text":"Yeah.","start":991.79,"end":992.19,"sentiment":"neutral","sentiment_score":0.02669515646994114},{"text":"In terms of, like, being able to conjoin the balances, you can't you can sort of have them on the same platforms for the benefit of it reduces administration costs.","start":992.19,"end":1000.875,"sentiment":"positive","sentiment_score":0.4035420253872871},{"text":"If you hadn't advised, it reduce your sort of ongoing costs with us as well.","start":1001.255,"end":1005.59503,"sentiment":"positive","sentiment_score":0.4658175528049469},{"text":"Given that she is she's working part time at the moment.","start":1005.895,"end":1009.09503,"sentiment":"neutral","sentiment_score":0.11131797189062292},{"text":"Correct?","start":1009.09503,"end":1009.59503,"sentiment":"neutral","sentiment_score":0.04632534459233284}],"sentiment":"positive","sentiment_score":0.35156969388882664,"num_words":58,"start":991.79,"end":1009.59503},{"sentences":[{"text":"Oh, well done.","start":1010.97003,"end":1012.01,"sentiment":"neutral","sentiment_score":0.15513594448566437},{"text":"Stay at home?","start":1012.01,"end":1012.91003,"sentiment":"neutral","sentiment_score":0.11810777336359024},{"text":"Yep.","start":1051.335,"end":1051.735,"sentiment":"neutral","sentiment_score":0.0013846929650753736},{"text":"So one thing like, given that she's unemployed, so it probably wouldn't be best interest having an adviser fee attached.","start":1051.735,"end":1057.5149,"sentiment":"neutral","sentiment_score":-0.25144994370639323},{"text":"One thing you could do in terms of, like, something that there is is there's the government co contribution scheme.","start":1058.215,"end":1063.3201,"sentiment":"neutral","sentiment_score":0.08304653391242027}],"sentiment":"neutral","sentiment_score":-0.054190475518438724,"num_words":47,"start":1010.97003,"end":1063.3201},{"sentences":[{"text":"Whereas if you contribute a thousand dollars to a fund when you're not earning over, I believe it's 47 at the moment, maybe a little bit above that, That will co contribute 50% of that.","start":1063.3201,"end":1074.155,"sentiment":"neutral","sentiment_score":0.060907581714647156},{"text":"So when you put in a thousand dollars, you'll get 500 from the government, which means for putting in a thousand dollars, you put in 1,500 to be able to be invested and move forward.","start":1074.155,"end":1083.775,"sentiment":"neutral","sentiment_score":0.22828581758907862},{"text":"And then as I was sort of speaking in regards to before there is spousal contributions that you can do, that's a little bit different in terms of it doesn't, like, make you eligible for the government co contribution, but it means a bit of a tax deduction for you at the end of the the day there as well that you can claim.","start":1084.97,"end":1101.515,"sentiment":"neutral","sentiment_score":0.08670587235246785},{"text":"And that's an option there as well.","start":1102.2949,"end":1104.135,"sentiment":"neutral","sentiment_score":0.27519956869738443},{"text":"And then not that sort of we can build it into your strategy.","start":1104.135,"end":1108.135,"sentiment":"neutral","sentiment_score":0.031699247944813505}],"sentiment":"neutral","sentiment_score":0.11694436370358839,"num_words":154,"start":1063.3201,"end":1108.135},{"sentences":[{"text":"I wouldn't sort of feel comfortable charging your partner a fee to be on board, and with that sort of smaller balance would sort of impact it more than like you said, at the moment, it's still getting eaten away a little bit at at fees versus, you know, just doing a few things on on your end that can sort of help bump up her super just to make sure that it is growing to to some extent.","start":1108.135,"end":1127.835,"sentiment":"neutral","sentiment_score":-0.30769707403982743},{"text":"And like you said, sort of, you know, you're a bit of a team at the end of the day, so it is sort of your supers, her supers if you're thinking thinking long term.","start":1128.695,"end":1137.335,"sentiment":"neutral","sentiment_score":0.14726781100034714},{"text":"But as far as I can so can join the balance there as well, Yeah.","start":1137.335,"end":1143.03,"sentiment":"neutral","sentiment_score":0.025696578000982604},{"text":"Probably, it's not something that can be done in terms of, like, adding it to the the other, unfortunately, because super is meant to be for you.","start":1143.03,"end":1150.8099,"sentiment":"neutral","sentiment_score":-0.23032402178203618},{"text":"Yep.","start":1152.47,"end":1152.97,"sentiment":"neutral","sentiment_score":0.02987436950206757}],"sentiment":"neutral","sentiment_score":-0.1589625542212254,"num_words":157,"start":1108.135,"end":1152.97},{"sentences":[{"text":"And I believe let me just have a quick look at the spousal co contributions.","start":1154.285,"end":1158.785,"sentiment":"neutral","sentiment_score":0.03151109864314397},{"text":"Just have a quick look there.","start":1159.405,"end":1161.485,"sentiment":"neutral","sentiment_score":0.041431559870640434},{"text":"I'm just trying to remember the figures off the top.","start":1161.485,"end":1164.465,"sentiment":"neutral","sentiment_score":0.03794443681836128},{"text":"So as long as you if you earn over 47,000, it starts impacting the amount they'll co contribute.","start":1175.42,"end":1181.495,"sentiment":"neutral","sentiment_score":0.06904266650478046},{"text":"But as far as that No.","start":1181.495,"end":1191.11,"sentiment":"neutral","sentiment_score":-0.05590918163458506}],"sentiment":"neutral","sentiment_score":0.03650932935151187,"num_words":55,"start":1154.285,"end":1191.11},{"sentences":[{"text":"I believe it's the individuals because of superannuation.","start":1191.11,"end":1193.0499,"sentiment":"neutral","sentiment_score":0.14209032710641623},{"text":"So just let me just have a quick look.","start":1193.4299,"end":1197.45,"sentiment":"neutral","sentiment_score":0.055668394598695964},{"text":"Doesn't state anything on the e a t o there.","start":1206.885,"end":1210.085,"sentiment":"neutral","sentiment_score":-0.0014799040742218494},{"text":"It's just sort of the requirements for a single there.","start":1210.085,"end":1213.385,"sentiment":"neutral","sentiment_score":0.0132338204421103},{"text":"No, sir.","start":1222.1,"end":1222.74,"sentiment":"neutral","sentiment_score":-0.12520354986190796}],"sentiment":"neutral","sentiment_score":0.03858641621011954,"num_words":39,"start":1191.11,"end":1222.74},{"sentences":[{"text":"It's just based on your concessional contribution or non concessional contributions going in.","start":1222.74,"end":1227.72,"sentiment":"neutral","sentiment_score":-0.05247168701428633},{"text":"And then with that so once you make the non concessional contribution to superannuation, you're let me just see what it actually states in terms of what when it does do it.","start":1229.695,"end":1241.075,"sentiment":"neutral","sentiment_score":-0.006660854356596246},{"text":"Yes.","start":1250.4199,"end":1250.74,"sentiment":"neutral","sentiment_score":0.05853039771318436},{"text":"I think it I believe it's when you lodge your tax return, the amount sort of will just be not that she's working at the moment.","start":1250.74,"end":1259.095,"sentiment":"neutral","sentiment_score":0.011052474307899292},{"text":"So I'll just have to see if you do have to so it's been a while since I've done it, so I'd have to double check.","start":1259.1549,"end":1271.495,"sentiment":"neutral","sentiment_score":0.017538094678177282}],"sentiment":"neutral","sentiment_score":-0.0009530008086288461,"num_words":98,"start":1222.74,"end":1271.495},{"sentences":[{"text":"I'll have a a look into it for you, and I'll get back to you in terms of, like, the requirements.","start":1271.68,"end":1275.38,"sentiment":"neutral","sentiment_score":0.08496196816364925},{"text":"I'll put a little email together just for the spousal and then also the government co con for you.","start":1275.84,"end":1282.66,"sentiment":"neutral","sentiment_score":0.08318742884224967},{"text":"Because as I said, I know that the general figures, but when it comes down to the implementation, I'm a bit rusty in terms of, like, what it actually is.","start":1283.28,"end":1289.755,"sentiment":"neutral","sentiment_score":-0.08217601521561543},{"text":"So that's fine.","start":1291.015,"end":1291.995,"sentiment":"neutral","sentiment_score":0.09585163245598476},{"text":"We'll have a look into that there for you.","start":1292.0549,"end":1294.235,"sentiment":"neutral","sentiment_score":0.15673924485842386}],"sentiment":"neutral","sentiment_score":0.031679147854447365,"num_words":82,"start":1271.68,"end":1294.235},{"sentences":[{"text":"As I said, that's something that doesn't you know, generally, like, we can put into a strategy, but if you're happy managing that yourself as well, it's more so for your partner anyway.","start":1294.695,"end":1301.9501,"sentiment":"neutral","sentiment_score":0.11058800626602588},{"text":"Obviously, it does affect your your cash flow.","start":1301.9501,"end":1304.2101,"sentiment":"neutral","sentiment_score":0.0005328364204615348},{"text":"But, you know, you do have a nice amount seeing offset and things like that to more than have enough.","start":1304.67,"end":1309.0901,"sentiment":"neutral","sentiment_score":0.25130789503455164},{"text":"Perfect.","start":1311.55,"end":1312.05,"sentiment":"positive","sentiment_score":0.830492377281189},{"text":"In terms of, like, your salary sacrifice maintaining that, that's pretty simple in regards to growing you super early and getting it compounding.","start":1313.15,"end":1318.865,"sentiment":"positive","sentiment_score":0.5954352124877598}],"sentiment":"neutral","sentiment_score":0.2730038478039205,"num_words":85,"start":1294.695,"end":1318.865},{"sentences":[{"text":"And given that you can't afford it, starting out, it's easy to get ahead of the curve ball now than later.","start":1318.9249,"end":1323.2649,"sentiment":"positive","sentiment_score":0.6085533627441951},{"text":"You are locking that away, but given that you sort of are still in a surplus with that contribution, sort of good that you can put a little bit more in early.","start":1323.725,"end":1330.8099,"sentiment":"positive","sentiment_score":0.5504582598805428},{"text":"And then should you wanna look at sort of personal investment, things like that, or investment property, you can always stop it in future as well.","start":1331.0299,"end":1336.23,"sentiment":"neutral","sentiment_score":0.28665028283229244},{"text":"At least you got a little head start.","start":1336.23,"end":1337.85,"sentiment":"positive","sentiment_score":0.5125806927680969},{"text":"You know, a dollar in the pocket sorta can be spent, whereas a dollar in your superannuation, the lease is invested for your retirement.","start":1338.7899,"end":1344.575,"sentiment":"neutral","sentiment_score":0.15063486620783806}],"sentiment":"positive","sentiment_score":0.41047814971691854,"num_words":111,"start":1318.9249,"end":1344.575},{"sentences":[{"text":"The 5% obviously is fine in terms of, like, it's, you know, it's just calculated on what you're earning if you are earning a little bit more.","start":1357.53,"end":1364.57,"sentiment":"neutral","sentiment_score":0.1602475008478871},{"text":"It also does mean that you sort of, you know, it calculates per that, whereas you can sort of jump like, not that you're gonna jump an income bracket just based on the the amount you're sort of earning unless you do, like, a significant amount of overtime additionally.","start":1364.57,"end":1378.755,"sentiment":"neutral","sentiment_score":0.04635686343725847},{"text":"So if you jumped up, like, 30, a 135,000, you might skip up to a tax bracket.","start":1379.2949,"end":1384.63,"sentiment":"neutral","sentiment_score":0.051938656717538834},{"text":"So if you start doing snipping out of overtime, it might actually help sort of reduce that as well.","start":1384.63,"end":1389.61,"sentiment":"neutral","sentiment_score":0.12811656727602608},{"text":"With that sort of calculating fully, it just sort of means that you'll keep you under that hovering even if you are doing a little bit more overtime.","start":1389.83,"end":1396.65,"sentiment":"neutral","sentiment_score":0.1995908785611391}],"sentiment":"neutral","sentiment_score":0.1107420383819512,"num_words":140,"start":1357.53,"end":1396.65},{"sentences":[{"text":"In saying that as well, if you sort of increased it any more and sort of wanted to do it, given that you wanna achieve some other, like, investment goals, things like that down the future, you don't wanna limit sort of what you're able to put away in savings or offsetting your your PPR there as well.","start":1398.0449,"end":1413.05,"sentiment":"neutral","sentiment_score":0.2811713009301958},{"text":"Because you've got a nice chunk of have a good amount of equity.","start":1413.11,"end":1415.61,"sentiment":"positive","sentiment_score":0.565939316382775},{"text":"It probably isn't too long until you might be looking down that investment property route and sort of more equity you have in your home can sort of help you with that.","start":1415.75,"end":1422.405,"sentiment":"positive","sentiment_score":0.4561536880210042},{"text":"As far as the other recommendation to superannuation on page 13, you'll see that just retained at 10,000 in c bus, the insurances and your EBA currently, and then rolling around over to roughly the 157,000.","start":1426.805,"end":1442.79,"sentiment":"neutral","sentiment_score":0.15139887668192387},{"text":"Now after the fees and implementation cost of that upfront fee, you aren't charged the upfront fee again.","start":1442.79,"end":1448.41,"sentiment":"neutral","sentiment_score":0.19409458711743355}],"sentiment":"neutral","sentiment_score":0.30067596632014415,"num_words":157,"start":1398.0449,"end":1448.41},{"sentences":[{"text":"It is just a flat fee.","start":1448.4701,"end":1449.5549,"sentiment":"neutral","sentiment_score":0.21935653934876123},{"text":"You just do get charged the ongoing in terms of, like, being an ongoing client.","start":1449.5549,"end":1453.2549,"sentiment":"neutral","sentiment_score":0.28673639595508577},{"text":"So around 152,000 and $557 will be invested after the fees come out in terms of the upfront advice, and then it would just go on, like, a monthly basis of you being an ongoing client.","start":1453.3949,"end":1464.455,"sentiment":"neutral","sentiment_score":0.30957327286402386},{"text":"You can take advantage of the service sort of as much as you'd want with sort of quarterly updates, things like that as well.","start":1465.7001,"end":1470.1,"sentiment":"positive","sentiment_score":0.5035900001724561},{"text":"As a minimum, it'll be, like, 12 monthly updates.","start":1470.1,"end":1472.36,"sentiment":"neutral","sentiment_score":0.26984987325138515}],"sentiment":"positive","sentiment_score":0.3475181317991681,"num_words":90,"start":1448.4701,"end":1472.36},{"sentences":[{"text":"Not that you wanna probably chop and change super too much, but in saying that as well, you can always give us a call if you ever sort of did something had any concerns or anything like that as well.","start":1472.66,"end":1481.645,"sentiment":"neutral","sentiment_score":0.1897563949227333},{"text":"Now with regards to recommendation, it obviously is in line with the investment style of what you wanna achieve.","start":1483.625,"end":1490.585,"sentiment":"positive","sentiment_score":0.4597829956757395},{"text":"It's lower investment cost in terms of, like, the recommendation of the investments, which I'll go over in the next sort of pages.","start":1490.585,"end":1496.07,"sentiment":"positive","sentiment_score":0.384931738609853},{"text":"It's in line with the great risk profile of being that high growth and bumping that up from what you're currently in.","start":1496.9299,"end":1501.59,"sentiment":"neutral","sentiment_score":0.2647379284555262},{"text":"It's got huge investment menu on Hub twenty four and then being able to have, like, the choice of investment and some changes along the way and being more customizable for strategies.","start":1501.8899,"end":1511.235,"sentiment":"positive","sentiment_score":0.5089241256937385}],"sentiment":"positive","sentiment_score":0.347715949639678,"num_words":136,"start":1472.66,"end":1511.235},{"sentences":[{"text":"With that, the reporting is quite good in terms of you being able to monitor your super as well.","start":1512.495,"end":1516.755,"sentiment":"positive","sentiment_score":0.7002011631664476},{"text":"And then in regards to some additional features, Hub 24 has aggregate trading.","start":1517.455,"end":1521.635,"sentiment":"neutral","sentiment_score":0.26985930594114155},{"text":"In addition to that one, you'll also be an ongoing client with Oakview Financial to be able to sort of help you with your financial journey and sort of your views and sort of investments and things like that for the family and yourself as well.","start":1522.35,"end":1534.935,"sentiment":"positive","sentiment_score":0.43553138653869217},{"text":"Obviously, in regards to the warnings there, there is always the potential growth that you may sort of forego given with how volatile the market is, especially at the moment.","start":1537.9751,"end":1546.775,"sentiment":"negative","sentiment_score":-0.42474350283543266},{"text":"Once you sort of sell down to cash, there is a chance that it does jump a little bit or sort of drop a little bit in that time frame given that everything is going on with the war.","start":1546.775,"end":1554.25,"sentiment":"neutral","sentiment_score":-0.26559898333671766}],"sentiment":"neutral","sentiment_score":0.09350864913593344,"num_words":147,"start":1512.495,"end":1554.25},{"sentences":[{"text":"At the moment, given that everything's sort of taken a bit of a dip, it's not too bad in the sense that you'll sort of sell low by low.","start":1555.11,"end":1561.11,"sentiment":"neutral","sentiment_score":-0.09361917801715176},{"text":"If if it does jump up a little bit as well, it does sort of mean that you might forego a bit of that gain if that does occur, which isn't the worst thing in the world given your age.","start":1561.11,"end":1570.155,"sentiment":"neutral","sentiment_score":-0.11939633330330253},{"text":"If you miss out on a few percent jump the next day, you know, things will probably change again as well.","start":1570.155,"end":1575.4551,"sentiment":"neutral","sentiment_score":-0.30282310254517053},{"text":"And there's sort of the one sort of key thing is investments.","start":1577.8,"end":1580.4401,"sentiment":"neutral","sentiment_score":0.039426418739215784},{"text":"The one thing that isn't guaranteed with financial advice, unfortunately.","start":1580.4401,"end":1583.42,"sentiment":"neutral","sentiment_score":-0.13266215920448304}],"sentiment":"neutral","sentiment_score":-0.1312821358504672,"num_words":112,"start":1555.11,"end":1583.42},{"sentences":[{"text":"You know, if you could get guaranteed returns, everyone would obviously go with them.","start":1583.56,"end":1586.92,"sentiment":"neutral","sentiment_score":-0.03060466516762972},{"text":"But as far as liability is concerned, obviously, we do the research.","start":1586.92,"end":1590.76,"sentiment":"neutral","sentiment_score":-0.03236160551508268},{"text":"We back sort of what the portfolio is over the long term, things like that.","start":1590.76,"end":1594.055,"sentiment":"neutral","sentiment_score":-0.003654240320126216},{"text":"But, you know, with Trump in Paris, well, especially no one knows what's happening tomorrow, let alone the financial markets in five five to seven years here.","start":1594.055,"end":1601.3351,"sentiment":"neutral","sentiment_score":-0.18529413612904372},{"text":"So bit bit harder to predict things these days.","start":1601.3351,"end":1604.535,"sentiment":"negative","sentiment_score":-0.33634450534979504}],"sentiment":"neutral","sentiment_score":-0.11560597931119529,"num_words":77,"start":1583.56,"end":1604.535},{"sentences":[{"text":"But in terms of the investment style and what we've got your investments in, which I'll go over there in a second, it should set you up nicely over a long term period.","start":1604.535,"end":1612.29,"sentiment":"positive","sentiment_score":0.3679994823354663},{"text":"We did also consider retaining SeaBus just rebalancing to your correct sort of asset allocation and risk tolerance.","start":1613.39,"end":1619.8099,"sentiment":"positive","sentiment_score":0.33589676436450744},{"text":"But given that you weren't too happy with it in the sense that you weren't happy really with the industry fund itself, it doesn't offer the range of investments you have on hub twenty four as well.","start":1620.405,"end":1628.885,"sentiment":"neutral","sentiment_score":-0.3081495858527519},{"text":"And we also did consider a couple other retail and industry funds as well, but just based on sort of the overall cost and benefit that hub twenty four has, it just came out to be the better fund.","start":1628.885,"end":1638.87,"sentiment":"neutral","sentiment_score":0.22464049760347757},{"text":"We also did consider the full consolidation to hub and then doing the transfer terms as well.","start":1639.97,"end":1644.53,"sentiment":"neutral","sentiment_score":0.1928021671140895}],"sentiment":"neutral","sentiment_score":0.1307444878232976,"num_words":144,"start":1604.535,"end":1644.53},{"sentences":[{"text":"But with that knowing with payroll, with that EBA, we're just stuck with what the EBA stated.","start":1644.53,"end":1649.745,"sentiment":"neutral","sentiment_score":0.08304515743956846},{"text":"Want to sort of confirm that we can look at updating that and amending your SOA in the future, sort of change that as well, and then just discussing what you'd be foregoing if you did transfer that group cover over as well.","start":1650.305,"end":1660.405,"sentiment":"neutral","sentiment_score":0.2042401498833368},{"text":"In addition to the fact that although the insurer MetLife that we did recommend did state standard terms, just based on sort of your occupation, the the risk is higher in terms of them sort of coming back with something else where it may be more costly or something that they didn't disclose previously even though they stated standard terms.","start":1662.2201,"end":1682.675,"sentiment":"neutral","sentiment_score":-0.3144476113220056},{"text":"So that's just something that we're a bit wary of as well in terms of before we're looking at getting rid of that group cover as well.","start":1682.675,"end":1688.6951,"sentiment":"negative","sentiment_score":-0.4410205555182916},{"text":"If you look on page 16, you will see the investments that we are recommending.","start":1691.1799,"end":1697.0399,"sentiment":"neutral","sentiment_score":0.04374130579332511}],"sentiment":"neutral","sentiment_score":-0.12298887635776658,"num_words":162,"start":1644.53,"end":1697.0399},{"sentences":[{"text":"Now these are all Australian listed ASX investments that you can invest in.","start":1697.1,"end":1701.58,"sentiment":"neutral","sentiment_score":0.15324724637545073},{"text":"There is links in the appendix as well that you can have a look at all these investments where they're at.","start":1701.58,"end":1706.355,"sentiment":"neutral","sentiment_score":0.13312900314728418},{"text":"The service security side of things has taken a bit of a dip recently.","start":1706.755,"end":1710.0549,"sentiment":"negative","sentiment_score":-0.33539300890905516},{"text":"That's just AI in general.","start":1710.4349,"end":1711.635,"sentiment":"neutral","sentiment_score":-0.30973081588745116},{"text":"It did take a bit of a dive this year.","start":1711.635,"end":1713.255,"sentiment":"neutral","sentiment_score":-0.29036370366811753}],"sentiment":"neutral","sentiment_score":-0.06920428526779962,"num_words":63,"start":1697.1,"end":1713.255},{"sentences":[{"text":"But then you'll have some exposure across Europe, Japan, the all world excluding The US because you do have a core portion listed in the S and P 500, which is the top 500 in America.","start":1714.275,"end":1725.47,"sentiment":"neutral","sentiment_score":0.05903059280373984},{"text":"You'll also have the Australian 200, which is a key another key component of the Australian 200 listed companies.","start":1726.57,"end":1732.0299,"sentiment":"neutral","sentiment_score":0.17556803085302053},{"text":"And then you'll have some in the Australian 200.","start":1732.57,"end":1737.125,"sentiment":"neutral","sentiment_score":0.12134472694661882},{"text":"Yeah.","start":1748.88,"end":1749.2,"sentiment":"neutral","sentiment_score":0.17009085416793823},{"text":"And, look, we did sort of consider active management as well.","start":1749.2,"end":1752.48,"sentiment":"neutral","sentiment_score":0.16441057283769955}],"sentiment":"neutral","sentiment_score":0.11225794243479245,"num_words":76,"start":1714.275,"end":1752.48},{"sentences":[{"text":"But like you said, with the way the industry funds index funds, sorry, are, like, performing over the last five to ten years has been really good in terms of growth.","start":1752.48,"end":1761.255,"sentiment":"positive","sentiment_score":0.37467790082577734},{"text":"It is a lower cost.","start":1761.655,"end":1762.775,"sentiment":"neutral","sentiment_score":0.2686081200838089},{"text":"And given that you weren't sort of too fast on trying to outperform the market, especially with what was going on, it's a lot harder to pick and choose winners, especially, you know, with the volatile market, it is a point for where fund managers actually can find gaps in the market and do really well, but it also can go the opposite where, you know, if you're picking winners, it's like going down to the the horses there, you you're going great.","start":1762.775,"end":1785.1201,"sentiment":"neutral","sentiment_score":-0.0958436847473663},{"text":"But if you're picking all the losers, suddenly, you're you're down $10 and you're not so happy.","start":1785.1201,"end":1790.1001,"sentiment":"neutral","sentiment_score":-0.30644537070218253},{"text":"This is a more balanced diversified approach that you not only sort of, like, split across different geographical locations, but within that, you'll have different industries in those ETF funds there as well.","start":1791.295,"end":1802.275,"sentiment":"neutral","sentiment_score":0.06671623659856392}],"sentiment":"neutral","sentiment_score":0.01180529111125589,"num_words":169,"start":1752.48,"end":1802.275},{"sentences":[{"text":"Plus that defensive portion of a bit of gold, which is sort of considered a growth asset still at the moment, and that's the way that viewed it.","start":1803.35,"end":1809.85,"sentiment":"neutral","sentiment_score":0.0974777809211186},{"text":"When the market sort of take a bit of a dive, it does still sort of negatively correlate and generally go up, which is why it can be considered a bit defensive.","start":1810.31,"end":1818.1849,"sentiment":"neutral","sentiment_score":-0.25723960250616074},{"text":"And then you'll have your core composite bonds, which are just a defensive portion in their own right.","start":1818.805,"end":1823.365,"sentiment":"neutral","sentiment_score":0.16504650231864718},{"text":"And then there'll be a minimum cash holding that hub twenty four does hold.","start":1823.365,"end":1826.985,"sentiment":"neutral","sentiment_score":0.13820680709821836},{"text":"And that's the sort of breakdown of the investments that we are recommending.","start":1827.045,"end":1830.485,"sentiment":"neutral","sentiment_score":0.19364328854359114}],"sentiment":"neutral","sentiment_score":0.01829338740734827,"num_words":105,"start":1803.35,"end":1830.485},{"sentences":[{"text":"Did you have any questions in regards to those at all?","start":1830.485,"end":1833.36,"sentiment":"neutral","sentiment_score":0.056323546238920906},{"text":"I'll do.","start":1833.36,"end":1836.02,"sentiment":"neutral","sentiment_score":-0.08370367996394634},{"text":"Yeah.","start":1837.6799,"end":1838.1799,"sentiment":"neutral","sentiment_score":0.12117645889520644},{"text":"Oh, no problem.","start":1842.0,"end":1842.98,"sentiment":"neutral","sentiment_score":0.21885650356610617},{"text":"As I said, in terms of, like, risk, you are in a high growth portfolio as you do have, like, the allocation to growth.","start":1843.5349,"end":1848.9149,"sentiment":"neutral","sentiment_score":0.14995134187241396}],"sentiment":"neutral","sentiment_score":0.11777389812760236,"num_words":41,"start":1830.485,"end":1848.9149},{"sentences":[{"text":"But as far as, like, manager risk and things like that, you don't typically hold that just due to the fact that you don't have any fund managers that make those changes.","start":1849.215,"end":1856.51,"sentiment":"neutral","sentiment_score":-0.046423178631812334},{"text":"It just changes on what the markets are actually doing.","start":1856.51,"end":1859.57,"sentiment":"neutral","sentiment_score":0.09967793561518193},{"text":"So if a company does really well, it makes into the top 200 in Australia.","start":1859.63,"end":1862.69,"sentiment":"neutral","sentiment_score":0.29621922771135967},{"text":"You hold that share.","start":1862.91,"end":1863.79,"sentiment":"neutral","sentiment_score":0.09806957468390465},{"text":"If it falls out, you lose that share.","start":1863.79,"end":1865.63,"sentiment":"neutral","sentiment_score":-0.2246914990246296}],"sentiment":"neutral","sentiment_score":0.03694597626293915,"num_words":69,"start":1849.215,"end":1865.63},{"sentences":[{"text":"So it's a little bit dynamic in that sense, but you're definitely not trying to pick and choose those winners, which means you only ever do sort of as good as these markets do.","start":1865.63,"end":1873.015,"sentiment":"neutral","sentiment_score":0.04504762962460518},{"text":"You can't outperform those markets.","start":1873.015,"end":1874.775,"sentiment":"neutral","sentiment_score":-0.11992599591612815},{"text":"But over a long period of time, you know, even some funds, they might do well for three to five years and they might drop off.","start":1874.775,"end":1881.015,"sentiment":"neutral","sentiment_score":-0.08897786759413205},{"text":"They'll have some bad years.","start":1881.015,"end":1882.29,"sentiment":"negative","sentiment_score":-0.3761066496372223},{"text":"You have a lot more volatility.","start":1882.4501,"end":1883.8301,"sentiment":"neutral","sentiment_score":-0.29493630677461624}],"sentiment":"neutral","sentiment_score":-0.0662050818240172,"num_words":76,"start":1865.63,"end":1883.8301},{"sentences":[{"text":"And over a long term period of time, index funds generally do outperform a lot of those managed funds anyway.","start":1883.9701,"end":1889.99,"sentiment":"neutral","sentiment_score":0.10052321180701256},{"text":"Just purely for the fact that, yeah, they get that sustained long term growth.","start":1890.8501,"end":1894.7101,"sentiment":"neutral","sentiment_score":0.20025638384478434},{"text":"On page 17 there, Jesse, you will see that the risk profile is around the ninety ten.","start":1898.755,"end":1903.555,"sentiment":"neutral","sentiment_score":0.057235202505527175},{"text":"The way your portfolio will be, you'll be slightly more invested in growth assets, and that's purely because they're considering gold to be a 100% growth at the moment, an alternate growth asset.","start":1903.555,"end":1912.3999,"sentiment":"neutral","sentiment_score":0.17914728142998435},{"text":"And then in saying that the defensive and fixed interest side portion make up the rest of the defensive portion there as well.","start":1913.0199,"end":1919.12,"sentiment":"neutral","sentiment_score":0.12995779838251031}],"sentiment":"neutral","sentiment_score":0.13727048320138704,"num_words":107,"start":1883.9701,"end":1919.12},{"sentences":[{"text":"Like I said, you can sort of split gold up a little bit, whether it's sixty forty, fifty fifty.","start":1919.34,"end":1923.6799,"sentiment":"neutral","sentiment_score":0.0874439454392383},{"text":"Gold is at the moment that I feel classified as a growth asset.","start":1924.275,"end":1928.135,"sentiment":"neutral","sentiment_score":0.20833221192543322},{"text":"Doesn't mean it doesn't still act in some instances as a defensive asset for you as well.","start":1928.3551,"end":1932.775,"sentiment":"neutral","sentiment_score":0.1784424676614649},{"text":"On the next page over, you will have your illustration of the fees that come out there and also the projections of growth on the page over.","start":1934.675,"end":1942.74,"sentiment":"neutral","sentiment_score":0.14083155962052168},{"text":"So in terms of the split, obviously, you will pay a little bit more in terms of administration costs with the retail platforms due to the reporting features and other features you do hold and the flexibility of those funds.","start":1943.0399,"end":1954.365,"sentiment":"neutral","sentiment_score":0.29625543504953383}],"sentiment":"neutral","sentiment_score":0.19875814810652156,"num_words":116,"start":1919.34,"end":1954.365},{"sentences":[{"text":"In terms of investment costs and overall investment costs, that will come down.","start":1954.605,"end":1958.145,"sentiment":"positive","sentiment_score":0.41045588713425857},{"text":"In terms of other fees, that will drop as well.","start":1958.205,"end":1960.285,"sentiment":"positive","sentiment_score":0.392800971865654},{"text":"The majority of the the fees come from obviously having an adviser and additional insurance costs.","start":1960.285,"end":1965.825,"sentiment":"positive","sentiment_score":0.43731709755957127},{"text":"And then with that as well, with the increase of the higher growth, the better performing history of those rolling averages there as well, it should, over the long term period, still put you in a better position by having someone to sort of assist you on your financial journey in addition to additional insurances to to risk mitigate there as well.","start":1966.445,"end":1984.095,"sentiment":"positive","sentiment_score":0.5563186532066714},{"text":"And then being able to build strategies for the future as well and taking advantage of that service, which is the cost you do pay by having an adviser as well.","start":1984.975,"end":1993.235,"sentiment":"positive","sentiment_score":0.4553060675820997}],"sentiment":"positive","sentiment_score":0.49141859398646787,"num_words":132,"start":1954.605,"end":1993.235},{"sentences":[{"text":"You can see just based on that, I'm not too big a fan of projections anyway because, like, no one knows as what the the market's gonna do in five to ten years' time, but it just shows you based off previous figures of that five to ten years what it might look like if everything replicated, which it won't.","start":1995.455,"end":2010.9501,"sentiment":"neutral","sentiment_score":-0.07198423308630784},{"text":"And then with that, you can sort of see just the past history of your current fund.","start":2011.89,"end":2015.75,"sentiment":"neutral","sentiment_score":0.16501390933990479},{"text":"Obviously, it is less risk because it is more of a balance sort of or a growth or ish option in your CBAS.","start":2015.945,"end":2021.945,"sentiment":"neutral","sentiment_score":0.1324683648088704},{"text":"But as far as the recommended portfolio, it's in line with high growth.","start":2021.945,"end":2024.745,"sentiment":"neutral","sentiment_score":0.23513134425649276},{"text":"You can see a like for like in the appendix of a a balanced growth to a balanced growth and then also the the high growth to the high growth within CBAS and their options as well and how that performance does fare up against the portfolios that we are recommending for you.","start":2024.745,"end":2041.22,"sentiment":"positive","sentiment_score":0.35577811328869946}],"sentiment":"neutral","sentiment_score":0.14124037556529764,"num_words":166,"start":1995.455,"end":2041.22},{"sentences":[{"text":"Now do you have any questions in regards to any of the the superannuation strategy or the retention strategy for that at the moment there, Jesse?","start":2043.76,"end":2051.385,"sentiment":"neutral","sentiment_score":0.06867177239977397},{"text":"Perfect.","start":2054.005,"end":2054.505,"sentiment":"positive","sentiment_score":0.390993595123291},{"text":"As far as the insurance section there on page 20, you'll be able to see there that we are recommending just retaining that fee bus policy for now and the cost of that one, so around $681 per annum.","start":2055.445,"end":2066.39,"sentiment":"neutral","sentiment_score":0.12922220543409005},{"text":"Then we're recommending a MetLife policy of a hun 1,000,000 of life and total permanent disability, which comes out to get a premium of around 1,080 after the 15% rebate being inside super.","start":2067.8098,"end":2079.835,"sentiment":"neutral","sentiment_score":0.1714585159312595},{"text":"So it's close to around the 1,300 mark before that.","start":2079.835,"end":2082.395,"sentiment":"neutral","sentiment_score":0.16985612586140633}],"sentiment":"neutral","sentiment_score":0.13369557774121607,"num_words":109,"start":2043.76,"end":2082.395},{"sentences":[{"text":"But being in super environment, you get a bit of a discount, which is fantastic.","start":2082.395,"end":2085.295,"sentiment":"positive","sentiment_score":0.42437733213106793},{"text":"And then we're also recommending a 100,000 of a life link with trauma policy outside of super.","start":2086.61,"end":2092.23,"sentiment":"neutral","sentiment_score":0.17962629391866572},{"text":"Now that is $22.92 a month.","start":2092.53,"end":2097.03,"sentiment":"neutral","sentiment_score":0.08923942781984806},{"text":"But within regards to that one as well, we have included the family extras or child extras on that one.","start":2097.25,"end":2103.675,"sentiment":"neutral","sentiment_score":0.08897325210273266},{"text":"Now in the PDF, you can have a look on that and what that means, but, basically, it covers all three of your children for a number of conditions if that was to incur under the age of 16.","start":2103.895,"end":2117.07,"sentiment":"neutral","sentiment_score":0.008399957170089086}],"sentiment":"neutral","sentiment_score":0.12434852491949022,"num_words":97,"start":2082.395,"end":2117.07},{"sentences":[{"text":"So it's a bit of an out of child benefit.","start":2117.07,"end":2119.25,"sentiment":"neutral","sentiment_score":-0.11178751476109028},{"text":"So if any of your children are diagnosed with certain types of cancers like Crohn's, cystic fibrosis, or, like, the death of a child, you know, knock wood, no one wants anything bad to happen, but it can cover up to 10% of, like, your policy, which would be around a $10,000 benefit if they were sort of diagnosed with any of those sort of conditions that are listed under the child covers extra.","start":2119.31,"end":2143.17,"sentiment":"neutral","sentiment_score":-0.030531858370916265},{"text":"So feel free to have a look in the PDF and what that means.","start":2143.17,"end":2145.67,"sentiment":"neutral","sentiment_score":0.09854876196810178},{"text":"But with that, you're not only covering for your own traumatic events and the trauma conditions for yourself, it also covers for a number of conditions for all of your children, whether that's the ones that you hold currently or if you have another one in the future there as well.","start":2146.21,"end":2160.585,"sentiment":"neutral","sentiment_score":0.16039431767136442},{"text":"It covers that that's that's the out of pocket one if you did wanna take that one on.","start":2161.205,"end":2168.825,"sentiment":"neutral","sentiment_score":0.1759279030892584}],"sentiment":"neutral","sentiment_score":0.05598360752898776,"num_words":167,"start":2117.07,"end":2168.825},{"sentences":[{"text":"And then with that, that covers for for traumatic events for yourself there as well in the event that sort of you're diagnosed with certain traumatic conditions like heart attack, strokes, those sort of things.","start":2169.56,"end":2179.34,"sentiment":"neutral","sentiment_score":0.16151985717671258},{"text":"And out of all the insurers, MetLife actually really does have a good trauma policy in terms of, like, conditions and being diagnosed with conditions.","start":2179.64,"end":2187.805,"sentiment":"positive","sentiment_score":0.48161706447601316},{"text":"So they call it, like, buckets where if you do claim on a condition, you can reinstate your cover.","start":2187.945,"end":2193.2449,"sentiment":"neutral","sentiment_score":0.2715840269076197},{"text":"And as long as it's nothing related to that condition specifically, say you had a a cancer, you got paid out your 100,000, you reinstate your policy there through the trauma reinstatement, come down, you know, another twelve months, you have a heart attack, it means you can claim on that policy again and get another 100,000.","start":2193.305,"end":2211.02,"sentiment":"neutral","sentiment_score":0.189777440211752},{"text":"So it does cover for multiple conditions, and I believe with MetLife, you can do that up to four times for specific conditions.","start":2211.5452,"end":2217.645,"sentiment":"neutral","sentiment_score":0.2685662369527247}],"sentiment":"neutral","sentiment_score":0.2506167023038527,"num_words":159,"start":2169.56,"end":2217.645},{"sentences":[{"text":"Obviously, ones that are closely related, it might not, but in saying that, it is a lot sort of a lot of comprehensive policy.","start":2217.945,"end":2226.125,"sentiment":"neutral","sentiment_score":0.1274046623148024},{"text":"So feel free to have a little squeeze in the PDF of what trauma cover actually does cover before you do make a decision.","start":2228.27,"end":2233.79,"sentiment":"neutral","sentiment_score":0.24858149886131287},{"text":"Obviously, if you don't want it, we can sort of get rid of it and you don't have to pay it.","start":2233.79,"end":2237.33,"sentiment":"neutral","sentiment_score":-0.03777871138992764},{"text":"That it is one of those covers that is the more claimed on covers.","start":2238.11,"end":2241.4849,"sentiment":"neutral","sentiment_score":0.23274864895003183},{"text":"And then it does cover quite a number of conditions there as well for yourself.","start":2242.345,"end":2247.885,"sentiment":"positive","sentiment_score":0.34206851199269295}],"sentiment":"neutral","sentiment_score":0.16959003769621558,"num_words":98,"start":2217.945,"end":2247.885},{"sentences":[{"text":"Now as far as that being in your best interest there as well, by having not only the CE bus and your your CFMU benefits with the income protection and that MetLife policy, it does bring a cover up quite a degree than what you currently have.","start":2249.625,"end":2263.58,"sentiment":"neutral","sentiment_score":0.2995017892185678},{"text":"If you just look at replacing, you know, seven point five years of your income replacement plus your debts minus superannuation, it comes to about a mill of cover.","start":2263.8,"end":2272.955,"sentiment":"neutral","sentiment_score":0.12936458081520838},{"text":"Then in addition to that one, you'll have the life and TPD in CBUS as an added benefit.","start":2273.095,"end":2277.675,"sentiment":"neutral","sentiment_score":0.21984818205237389},{"text":"And then with that, any CFMEU benefits you hold for, you know, I know they do certain death benefits on the job, out of the job, broken injuries, things like that as well, which can be sort of seen as, like, some form of trauma cover as well.","start":2278.055,"end":2290.73,"sentiment":"neutral","sentiment_score":0.022179822825516265},{"text":"So feel free to weigh it up.","start":2290.73,"end":2293.15,"sentiment":"neutral","sentiment_score":0.08823457413486072}],"sentiment":"neutral","sentiment_score":0.15750132703641118,"num_words":149,"start":2249.625,"end":2293.15},{"sentences":[{"text":"I know sort of the listed conditions, there was too large in terms of what the CFMU insurance benefits and what you caught up what they do cover for across, like, on the work versus out of work versus, like, what's linked with work cover and what isn't.","start":2293.21,"end":2306.115,"sentiment":"neutral","sentiment_score":-0.16431000720088682},{"text":"But feel free to have a review of those and see if you feel like the trauma and cover does benefit you there as well.","start":2306.735,"end":2313.15,"sentiment":"neutral","sentiment_score":0.07544640794396401},{"text":"But as I said, it does cover your children and then also MetLife insurance itself, not just limited to the trauma cover.","start":2313.15,"end":2320.1099,"sentiment":"neutral","sentiment_score":0.1803342950615016},{"text":"They do have three sixty health, which gives you access to a wide range of of health services that can support not only yourself, but your family there as well.","start":2320.1099,"end":2329.755,"sentiment":"positive","sentiment_score":0.4290028711160024},{"text":"You know, if your sort of partner was looking for additional support and sort of things as well, they're quite good in terms of some of the services they do offer under MetLife, which is nice.","start":2329.755,"end":2340.87,"sentiment":"positive","sentiment_score":0.552571194867293}],"sentiment":"neutral","sentiment_score":0.19086511486342975,"num_words":161,"start":2293.21,"end":2340.87},{"sentences":[{"text":"Now with that with the flexible sort of arrangement of payments and how you are paying for that, it does mean that sort of majority of it is funded through superannuation.","start":2342.77,"end":2350.47,"sentiment":"positive","sentiment_score":0.4529981517022656},{"text":"And given that you're contributing well, earning well, it means that that covers a lot of those premiums.","start":2350.61,"end":2355.445,"sentiment":"positive","sentiment_score":0.3960706740617752},{"text":"That one out of pocket portion obviously isn't out of pocket and does affect cash flow.","start":2355.585,"end":2359.825,"sentiment":"neutral","sentiment_score":-0.0403376302565448},{"text":"And then you have your CFMEU benefits with through your union membership there as well, which is quite nice.","start":2359.825,"end":2364.485,"sentiment":"positive","sentiment_score":0.6454037114193565},{"text":"And it means you don't have to pay for income protection through either your super out of pocket because that is the more costly insurance anyway, if that makes sense.","start":2364.625,"end":2373.27,"sentiment":"neutral","sentiment_score":0.281274551898241}],"sentiment":"positive","sentiment_score":0.3616466651376533,"num_words":114,"start":2342.77,"end":2373.27},{"sentences":[{"text":"Now, obviously, the advantages and disadvantages of that is, obviously, you'll have a retail policy for the life and TPD.","start":2376.6902,"end":2382.31,"sentiment":"neutral","sentiment_score":0.16414416953921318},{"text":"Not so much the life policy because life is life, but the total permanent disability, you'll have a more comprehensive insurance policy as opposed to the group cover.","start":2382.855,"end":2390.635,"sentiment":"neutral","sentiment_score":0.07666271273046732},{"text":"And then you'll be able to have a nice sort of weighting of the the premiums from inside versus outside.","start":2391.4949,"end":2396.235,"sentiment":"neutral","sentiment_score":0.3224186547100544},{"text":"You can see on page 24 of the current versus recommended versus non insurance and what that sort of looks like in terms of, like, a dollar figure and sort of the cost of that.","start":2396.4,"end":2405.22,"sentiment":"neutral","sentiment_score":0.0937791387949671},{"text":"So combine that of your superannuation, it's around $1,700 and 60 $1,762 in terms of, like, a fee you're paying out of it, which given your your income and how much you are contributing, it's not too high at all.","start":2405.44,"end":2418.2551,"sentiment":"neutral","sentiment_score":0.20210704039782285}],"sentiment":"neutral","sentiment_score":0.16254799940681958,"num_words":143,"start":2376.6902,"end":2418.2551},{"sentences":[{"text":"Generally, we don't wanna go above 30% of contributions and yours is well below that, which is good.","start":2418.2551,"end":2423.13,"sentiment":"neutral","sentiment_score":0.1079414054337475},{"text":"Obviously, the risks are you always have to meet the definitions under retail policies even though they're underwritten in terms of being able to make a successful claim.","start":2424.5698,"end":2432.65,"sentiment":"neutral","sentiment_score":-0.1257790042353528},{"text":"In regards to group policies, obviously, it's underwritten at the time of claim, not through the underwriting process when establishing the policy.","start":2432.65,"end":2439.4849,"sentiment":"neutral","sentiment_score":-0.10309076055207035},{"text":"So there is the risk they'll decline the claim anyway in regards to conditions that predate the fund all those group insurances there as well.","start":2439.865,"end":2447.2449,"sentiment":"neutral","sentiment_score":-0.23038512527942656},{"text":"Now we did consider a few alternatives in regards to different insurers and level premiums.","start":2447.865,"end":2452.445,"sentiment":"neutral","sentiment_score":0.07850681766867637}],"sentiment":"neutral","sentiment_score":-0.07804527240632861,"num_words":108,"start":2418.2551,"end":2452.445},{"sentences":[{"text":"It just worked out that MetLife was the best in terms of, like, cost and not only the the pre assessment that we did conduct in terms of their offering.","start":2452.8801,"end":2460.5,"sentiment":"neutral","sentiment_score":0.20745123748977978},{"text":"Obviously, you know, it does come down to underwriting and what you do disclose at that time as well.","start":2461.36,"end":2465.685,"sentiment":"neutral","sentiment_score":0.10310231541332446},{"text":"But they did come back with standard rates, which is nice in terms of cost as well as why it's so low.","start":2466.165,"end":2470.5051,"sentiment":"positive","sentiment_score":0.41647275029258296},{"text":"Obviously, if it does sort of come out to be a bit different, we'll address that and sort of have a conversation around how you wanna proceed with that as well.","start":2471.125,"end":2477.5452,"sentiment":"neutral","sentiment_score":-0.07390643259690653},{"text":"We did also consider having a greater amount with Life and TPD with MetLife and canceling your C Bus insurances.","start":2478.6501,"end":2483.95,"sentiment":"neutral","sentiment_score":-0.05879209553822875}],"sentiment":"neutral","sentiment_score":0.11375360903864512,"num_words":122,"start":2452.8801,"end":2483.95},{"sentences":[{"text":"But just given, you know, the just the blood pressure and the occupation there currently, it may result in some form of unfavorable terms even though they stated that it won't through the blind pre assessment.","start":2484.6501,"end":2495.2349,"sentiment":"negative","sentiment_score":-0.3638730799365375},{"text":"Once it sort of comes through that as well, we can sort of have a discussion around either sort of consolidating once you speak to your employer on that as well and even looking at certain increases down the track.","start":2495.775,"end":2505.055,"sentiment":"neutral","sentiment_score":-0.022932308074086905},{"text":"They do do life increases as well.","start":2505.055,"end":2507.22,"sentiment":"neutral","sentiment_score":0.10727203264832497},{"text":"So if you now have other children, things like that as well, you can look at increasing the policies without underwriting.","start":2507.8599,"end":2513.4,"sentiment":"neutral","sentiment_score":0.04902506193944386},{"text":"But even without that and just taking into consideration seven point five years income replacement, your superannuation, a million dollars worth of cover does cover the debt and that income replacement.","start":2513.94,"end":2523.835,"sentiment":"neutral","sentiment_score":0.06011089778715564}],"sentiment":"neutral","sentiment_score":-0.07683596177785484,"num_words":135,"start":2484.6501,"end":2523.835},{"sentences":[{"text":"You obviously could look to do a bit more, but given that you're earning income quite quite nicely and paying down your debt quite quickly, if anything, you're becoming more self insured more than you're requiring more cover.","start":2524.455,"end":2534.7148,"sentiment":"neutral","sentiment_score":0.12958912659240396},{"text":"So as you do get older, pay down those debts.","start":2535.08,"end":2537.08,"sentiment":"neutral","sentiment_score":0.1394879437983036},{"text":"If anything, you're reducing the amount of cover you need.","start":2537.08,"end":2539.82,"sentiment":"neutral","sentiment_score":0.00012048631906509399},{"text":"So it's just a trade off between cost and actually cover requirements.","start":2539.8801,"end":2543.26,"sentiment":"neutral","sentiment_score":-0.08699922015269597},{"text":"Obviously, if you did TBD tomorrow, it's probably not the most ideal in the sense that you don't have to earn income ever moving forward, but a million dollars is a nice amount to sort of pay down those debts and have it invested to be able to earn some form of income moving forward as well.","start":2544.6,"end":2557.6548,"sentiment":"neutral","sentiment_score":0.054258623013370914}],"sentiment":"neutral","sentiment_score":0.06589938568200653,"num_words":127,"start":2524.455,"end":2557.6548},{"sentences":[{"text":"It's not like you're gonna go to Vegas and put it all on black.","start":2557.6548,"end":2560.47,"sentiment":"neutral","sentiment_score":0.08561405326638903},{"text":"It's something that you can be utilized to, you know, invest for the future as well.","start":2560.47,"end":2564.49,"sentiment":"neutral","sentiment_score":0.32823196798563004},{"text":"Now do you have any questions in regards to the insurance recommendation there at all, Jesse?","start":2568.3901,"end":2573.1301,"sentiment":"neutral","sentiment_score":0.08342497190460563},{"text":"Yeah.","start":2578.375,"end":2578.695,"sentiment":"neutral","sentiment_score":-0.012878622859716415},{"text":"Obviously, take yeah.","start":2578.695,"end":2580.2952,"sentiment":"neutral","sentiment_score":-0.023173892870545387}],"sentiment":"neutral","sentiment_score":0.15405414965003728,"num_words":50,"start":2557.6548,"end":2580.2952},{"sentences":[{"text":"Pretty happy with everything so far.","start":2580.2952,"end":2582.075,"sentiment":"positive","sentiment_score":0.7467192808787028},{"text":"No.","start":2585.2551,"end":2585.73,"sentiment":"positive","sentiment_score":0.4465730488300323},{"text":"Yeah.","start":2597.01,"end":2597.33,"sentiment":"positive","sentiment_score":0.39078718423843384},{"text":"And it's quite flexible in the sense that, like, obviously, once you're on board to there's no sort of limit into what sort of like, how much advice you can receive in regards to moving forward with your life changes there as well.","start":2597.33,"end":2608.9749,"sentiment":"positive","sentiment_score":0.4436187328294266},{"text":"Obviously, the most significant front cost does come up front, but then from that, it's just your ongoing, like, review of sort of managed funds.","start":2608.9749,"end":2615.93,"sentiment":"neutral","sentiment_score":0.19259438574314117}],"sentiment":"positive","sentiment_score":0.38431764570505994,"num_words":76,"start":2580.2952,"end":2615.93},{"sentences":[{"text":"And you can sort of bring up anything as you go each year as well and as you sort of grow as a family and things like that as well.","start":2616.31,"end":2621.27,"sentiment":"positive","sentiment_score":0.4056411117315292},{"text":"And if your wife were to start working, were to come on board, things like that as well, it'll be, you know, future considerations there for you.","start":2621.27,"end":2628.01,"sentiment":"neutral","sentiment_score":0.2787236405743493},{"text":"The the rest of it's quite simple in terms of the will.","start":2630.7349,"end":2633.055,"sentiment":"neutral","sentiment_score":0.29988377044598263},{"text":"So it's quite simple in terms of establishing a will with a a lawyer.","start":2633.055,"end":2636.9749,"sentiment":"neutral","sentiment_score":0.23788525589874812},{"text":"We can provide some just general information for wills and estates if you'd like from a local solicitor.","start":2636.9749,"end":2642.1748,"sentiment":"neutral","sentiment_score":0.19659274733728832}],"sentiment":"neutral","sentiment_score":0.29863801908375015,"num_words":101,"start":2616.31,"end":2642.1748},{"sentences":[{"text":"That is just a trusted partner for joint and sort of wheels.","start":2642.1748,"end":2646.25,"sentiment":"neutral","sentiment_score":0.22998783985773721},{"text":"And the cost of that one, obviously, the advantages if something were to happen, it just means that if you use it in conjunction with, like, power of attorney and, like, the advanced health care directives, you know, if something were to happen to you where you can't sort of, you know you're incapacitated, they can make decisions for you financially.","start":2646.8699,"end":2662.405,"sentiment":"neutral","sentiment_score":0.28743129162514797},{"text":"They don't need to go to the courts or anything to be able to make certain changes, but things that are sort of joint in terms of, like, you having to sign off on it as well.","start":2662.405,"end":2670.105,"sentiment":"neutral","sentiment_score":0.1867007626019217},{"text":"In regards to that, it's sort of, you know, you can sort of state certain things in regards to health and how you'd like to go about things, whether you're the pull the plug kind of person or not.","start":2670.245,"end":2678.78,"sentiment":"neutral","sentiment_score":0.0010482465739373881},{"text":"It does take a lot of those decisions out of family members' hands in a time where they might not feel like they can make those sort of decisions as well.","start":2678.78,"end":2685.5,"sentiment":"neutral","sentiment_score":-0.1510118515260758}],"sentiment":"neutral","sentiment_score":0.12533669612651768,"num_words":180,"start":2642.1748,"end":2685.5},{"sentences":[{"text":"It's a lot of stress at a time when they probably don't wanna be doing it as well.","start":2685.5,"end":2689.675,"sentiment":"neutral","sentiment_score":-0.2668035593297746},{"text":"So it can help if you sort of preemptively put those down.","start":2689.675,"end":2692.575,"sentiment":"neutral","sentiment_score":0.22165897861123085},{"text":"In terms of, like, the beneficiaries, we are recommending to just put your spouse given that she's the primary caregiver for your children for a 100% binding, non lapsing for that.","start":2693.5151,"end":2703.06,"sentiment":"neutral","sentiment_score":0.2139610535194797},{"text":"So that just means that it won't change unless you change it.","start":2703.06,"end":2706.0999,"sentiment":"neutral","sentiment_score":0.2181591590245565},{"text":"It won't lapse unless you sort of will go in and sort of wanna be able to change it to something else.","start":2706.0999,"end":2712.225,"sentiment":"neutral","sentiment_score":0.1650851358744231}],"sentiment":"neutral","sentiment_score":0.11305283402141772,"num_words":95,"start":2685.5,"end":2712.225},{"sentences":[{"text":"If you do lapsing it every three years, you gotta update it.","start":2712.225,"end":2715.0452,"sentiment":"neutral","sentiment_score":0.1350038486222426},{"text":"And if you do just a general sort of nomination to the fund, it just means that they can pick and choose who they actually wanna give it to, and they might choose the kids over your partner as well or do a split.","start":2715.185,"end":2726.22,"sentiment":"neutral","sentiment_score":0.15652381391687828},{"text":"And, you know, your superannuation money and sort of insurance proceeds aren't gonna do much of a benefit to your children if they're unable to, you know, speak and talk yet, let alone sort of pay for for bills.","start":2726.46,"end":2738.08,"sentiment":"neutral","sentiment_score":0.1347974396477907},{"text":"So with that, in addition to that, your spouse is a 100% independent, which means they'll receive those funds tax free as well as opposed to, like, children over the age of 18 get taxed.","start":2738.78,"end":2749.385,"sentiment":"neutral","sentiment_score":0.27948409233774457},{"text":"If it goes to the state, there's certain taxes there as well.","start":2749.6848,"end":2752.2449,"sentiment":"neutral","sentiment_score":0.25464628761013347}],"sentiment":"neutral","sentiment_score":0.18733727341701448,"num_words":142,"start":2712.225,"end":2752.2449},{"sentences":[{"text":"So given it's your spouse, they'll receive it a 100% tax free, which is fantastic.","start":2752.2449,"end":2756.32,"sentiment":"positive","sentiment_score":0.6141616721947988},{"text":"Obviously, not fantastic that you go on, but fantastic that they don't have to worry about additional taxes.","start":2757.82,"end":2762.1602,"sentiment":"positive","sentiment_score":0.43337539293699795},{"text":"Do you have any questions in regards to that estate planning side of stuff?","start":2763.58,"end":2766.06,"sentiment":"neutral","sentiment_score":0.08129537690963064},{"text":"I'm obviously mindful not to take up all of your afternoon, but it is quite perfect.","start":2766.06,"end":2772.5752,"sentiment":"neutral","sentiment_score":0.17348084365949035},{"text":"Obviously, feel free to have a bit of a read through the advantages, disadvantages of that.","start":2773.0352,"end":2776.5552,"sentiment":"neutral","sentiment_score":0.10265595652163029}],"sentiment":"neutral","sentiment_score":0.28568995234709754,"num_words":79,"start":2752.2449,"end":2776.5552},{"sentences":[{"text":"Obviously, setting up a will does come at a cost, same with sort of organizing power to any things like that.","start":2776.5552,"end":2780.955,"sentiment":"neutral","sentiment_score":0.00679523041028352},{"text":"But once it's done, you've only sort of got a review and update versus not having anything in place and, you know, leaving it up to the courts and family sort of fighting over what's left.","start":2780.955,"end":2790.1902,"sentiment":"neutral","sentiment_score":-0.00728227643089162},{"text":"In regards to the remuneration, we get, like, obviously, the startup fee, which is 3.3% of your super pardon me, balance, which is $4.09 $5.00, so $4,950.","start":2792.7302,"end":2805.115,"sentiment":"neutral","sentiment_score":0.09507420148562502},{"text":"And that's the one lump sum upfront.","start":2805.4949,"end":2807.4949,"sentiment":"neutral","sentiment_score":0.16560286922114237},{"text":"That's for putting the advice together, implementing it, going through those implementation steps with you.","start":2807.4949,"end":2811.96,"sentiment":"neutral","sentiment_score":0.2205686464905739}],"sentiment":"neutral","sentiment_score":0.06523859536907864,"num_words":106,"start":2776.5552,"end":2811.96},{"sentences":[{"text":"That's sort of what that covers.","start":2812.44,"end":2813.72,"sentiment":"neutral","sentiment_score":0.18413945535818735},{"text":"Obviously, you don't get charged anything up to the point you were to sign if you were happy with everything.","start":2813.72,"end":2817.74,"sentiment":"neutral","sentiment_score":0.20087641924619676},{"text":"And then with the MetLife policy, we do get 66% of the premium.","start":2818.04,"end":2822.22,"sentiment":"neutral","sentiment_score":0.25295090904602635},{"text":"Now with that one, it's not an additional cost you pay.","start":2822.28,"end":2825.4,"sentiment":"neutral","sentiment_score":0.245579332113266},{"text":"It's just what we get from the insurer that's setting up the policy, doing that work.","start":2825.4,"end":2829.365,"sentiment":"neutral","sentiment_score":0.2639318248257041}],"sentiment":"neutral","sentiment_score":0.23234861795649384,"num_words":66,"start":2812.44,"end":2829.365},{"sentences":[{"text":"And then ongoing, we do get 22% of the trailing commission for monitoring and maintaining that policy.","start":2829.365,"end":2834.7449,"sentiment":"neutral","sentiment_score":0.21492622705066905},{"text":"And then the adviser fee is 1.65% ongoing in terms of, like, the funds under management and being able to have access to the ongoing client services of Oakview Financial, if that makes sense.","start":2834.885,"end":2845.9902,"sentiment":"neutral","sentiment_score":0.14285401561680963},{"text":"Yep.","start":2847.4102,"end":2847.7302,"sentiment":"neutral","sentiment_score":0.03397097811102867},{"text":"Do you have any concerns or questions in regards to the fee or the remuneration or what we get or what it's for?","start":2847.7302,"end":2852.625,"sentiment":"neutral","sentiment_score":-0.006783614582989527},{"text":"Yep.","start":2856.625,"end":2856.945,"sentiment":"neutral","sentiment_score":0.17227528989315033}],"sentiment":"neutral","sentiment_score":0.1126448095187937,"num_words":76,"start":2829.365,"end":2856.945},{"sentences":[{"text":"Not a problem at all.","start":2856.945,"end":2858.145,"sentiment":"neutral","sentiment_score":0.28515987396240233},{"text":"In terms of, like, the next steps on how to implement, obviously, if you were happy with the advice, you would sign the document from there, Oakview Financial.","start":2858.145,"end":2866.325,"sentiment":"neutral","sentiment_score":0.15121358200641616},{"text":"Obviously, there's the application in there as well for Hub twenty four if you were happy with that.","start":2867.52,"end":2871.22,"sentiment":"neutral","sentiment_score":0.3076901998784807},{"text":"They would submit that for that request of funds from CBUS to start that.","start":2871.44,"end":2875.06,"sentiment":"positive","sentiment_score":0.35453454511506216},{"text":"They'd get you booked in for the personal statement for those MetLife insurances to set up for those amounts.","start":2875.2,"end":2879.875,"sentiment":"neutral","sentiment_score":0.30162276641318675}],"sentiment":"neutral","sentiment_score":0.2606252316341159,"num_words":84,"start":2856.945,"end":2879.875},{"sentences":[{"text":"Obviously, you have a think about it in terms of, like, if those are the amounts you're happy with.","start":2879.875,"end":2883.3352,"sentiment":"neutral","sentiment_score":0.21748995310381838},{"text":"And even if you did sign tonight, you can go ahead.","start":2883.715,"end":2886.0352,"sentiment":"neutral","sentiment_score":0.3272725438529795},{"text":"Once it goes to application change and change some figures, we can just do a record of advice to change that for you, whether or not you wanna do that trauma or not.","start":2886.0352,"end":2893.08,"sentiment":"neutral","sentiment_score":0.06919285417957739},{"text":"And then in regards to the beneficiary nominations and setting up a will, obviously, that's up to you.","start":2893.96,"end":2898.4402,"sentiment":"neutral","sentiment_score":0.06804925824205081},{"text":"We'll follow you up in terms of giving you the forms and things like that, but I can't force you to fill out your beneficiary forms, and I can't drop a will for you, unfortunately.","start":2898.4402,"end":2905.1,"sentiment":"neutral","sentiment_score":-0.04783281769071306}],"sentiment":"neutral","sentiment_score":0.08246904576261496,"num_words":116,"start":2879.875,"end":2905.1},{"sentences":[{"text":"I can sort of give you sort of general advice on sort of how you can structure wills and things like that.","start":2905.685,"end":2909.845,"sentiment":"neutral","sentiment_score":0.17114750973202966},{"text":"But given, you know, you got a quite nice family structure, it mostly would probably go to spouse and children.","start":2909.845,"end":2914.585,"sentiment":"neutral","sentiment_score":0.3196084752678871},{"text":"And then that's that's quite as simple as it it gets really.","start":2914.725,"end":2918.025,"sentiment":"positive","sentiment_score":0.4661146452029546},{"text":"But do you have any questions in regards to implementation, anything like that, or questions in regards to any of the document or anything we covered today?","start":2919.6802,"end":2925.7002,"sentiment":"neutral","sentiment_score":0.06288789999153879},{"text":"Not a problem, Jesse.","start":2929.36,"end":2930.4802,"sentiment":"positive","sentiment_score":0.40962593257427216}],"sentiment":"neutral","sentiment_score":0.22455608814078218,"num_words":85,"start":2905.685,"end":2930.4802},{"sentences":[{"text":"Obviously, you know, if you were happy, you would sign, and let me be the first to sort of welcome to the OPU family if you were happy with everything to come on board.","start":2930.4802,"end":2937.895,"sentiment":"positive","sentiment_score":0.6035139297737795},{"text":"Don't feel pressured to to sign.","start":2938.6748,"end":2940.1948,"sentiment":"neutral","sentiment_score":0.0214924452205499},{"text":"If you if you don't want, you can have a read through it there first, but the team will probably reach out tomorrow or the next day just to see if you do have any questions.","start":2940.1948,"end":2946.035,"sentiment":"neutral","sentiment_score":0.26500845659110284},{"text":"I wanna get booked back in for another chat there as well for you.","start":2946.035,"end":2959.07,"sentiment":"neutral","sentiment_score":0.17239246158195393},{"text":"No.","start":2975.4001,"end":2975.6401,"sentiment":"neutral","sentiment_score":-0.1316821277141571}],"sentiment":"positive","sentiment_score":0.35681917643235933,"num_words":91,"start":2930.4802,"end":2975.6401},{"sentences":[{"text":"That one's fine because the recommendation currently is retaining that c bus.","start":2975.6401,"end":2978.84,"sentiment":"neutral","sentiment_score":-0.08988756996889909},{"text":"So that's like a future consideration thing.","start":2978.84,"end":2980.92,"sentiment":"neutral","sentiment_score":-0.03366245615429112},{"text":"So as far as, like, the advice piece today, whether or not you had that letter is fine.","start":2980.92,"end":2985.26,"sentiment":"neutral","sentiment_score":-0.00039879719002379314},{"text":"There are girls in implementation.","start":2985.845,"end":2987.1448,"sentiment":"neutral","sentiment_score":0.06714487448334694},{"text":"Once you did sign the document, it would reach out.","start":2987.2048,"end":2988.9648,"sentiment":"neutral","sentiment_score":0.09524633064866066}],"sentiment":"neutral","sentiment_score":-0.0006399750619983444,"num_words":52,"start":2975.6401,"end":2988.9648},{"sentences":[{"text":"They would get your I ID.","start":2988.9648,"end":2990.9048,"sentiment":"neutral","sentiment_score":0.06809230210880439},{"text":"Obviously, if you wanna send that through and you plan on signing, you can send that through preemptively as well because we're gonna make sure you pass through your AML requirements for anti money laundering, things like that as well.","start":2991.285,"end":3000.73,"sentiment":"neutral","sentiment_score":0.061035029031336306},{"text":"And then those girls will also you know, they're they're quite nice.","start":3000.8699,"end":3003.91,"sentiment":"positive","sentiment_score":0.3985755369067192},{"text":"They're they're nice to me as well, but they'll hold your hand through the whole process there, get you booked in for your personal statement.","start":3003.91,"end":3009.05,"sentiment":"neutral","sentiment_score":0.26948996193706987},{"text":"There's no stupid questions, and and, you know, there's it's sort of one of those things that is sort of a big step for a lot of people that haven't sort of taken an undertaken financial advice before.","start":3009.59,"end":3018.355,"sentiment":"neutral","sentiment_score":0.08992007355156698}],"sentiment":"neutral","sentiment_score":0.14700060545597687,"num_words":121,"start":2988.9648,"end":3018.355},{"sentences":[{"text":"So it is a lot of things that are different in you.","start":3018.355,"end":3020.5151,"sentiment":"neutral","sentiment_score":-0.004758101267119248},{"text":"So ask as many questions as you want.","start":3020.5151,"end":3022.355,"sentiment":"neutral","sentiment_score":0.11509292759001255},{"text":"Call up as much as you want.","start":3022.355,"end":3023.735,"sentiment":"neutral","sentiment_score":0.2416341326066426},{"text":"Hug them as much as you want.","start":3023.7952,"end":3024.995,"sentiment":"positive","sentiment_score":0.5624502641814095},{"text":"They get paid to to answer all your questions.","start":3024.995,"end":3027.155,"sentiment":"positive","sentiment_score":0.513056841161516}],"sentiment":"neutral","sentiment_score":0.25836624542987624,"num_words":43,"start":3018.355,"end":3027.155},{"sentences":[{"text":"So feel free to to go ahead.","start":3027.155,"end":3029.06,"sentiment":"positive","sentiment_score":0.3840246115412031},{"text":"And if you wanna have a chat with me as well, I'm more than happy to have another chat as well for you.","start":3029.06,"end":3032.76,"sentiment":"positive","sentiment_score":0.5505439379940862},{"text":"Not a problem.","start":3034.58,"end":3035.4001,"sentiment":"neutral","sentiment_score":0.22799721360206604},{"text":"But do you have anything for me before I let you go this afternoon to go and digest some of that information there for you, Jesse?","start":3035.62,"end":3040.36,"sentiment":"neutral","sentiment_score":0.027654525716430865},{"text":"Not a problem at all.","start":3044.285,"end":3045.505,"sentiment":"neutral","sentiment_score":0.18404653221368789}],"sentiment":"neutral","sentiment_score":0.2761550753930351,"num_words":64,"start":3027.155,"end":3045.505},{"sentences":[{"text":"Yeah.","start":3056.6199,"end":3056.94,"sentiment":"neutral","sentiment_score":0.09671197086572648},{"text":"And then with that, like, even though that, like, returns aren't guaranteed, but the one thing you will have is a service at the end of the day that you can ask all your questions for as well.","start":3056.94,"end":3065.5999,"sentiment":"neutral","sentiment_score":0.14048652919499496},{"text":"Yeah.","start":3074.075,"end":3074.575,"sentiment":"neutral","sentiment_score":0.19808316230773929},{"text":"Yeah.","start":3079.53,"end":3080.03,"sentiment":"neutral","sentiment_score":0.14284047484397888},{"text":"Yeah.","start":3080.49,"end":3080.73,"sentiment":"neutral","sentiment_score":0.1438792496919632}],"sentiment":"neutral","sentiment_score":0.1409524515980766,"num_words":42,"start":3056.6199,"end":3080.73},{"sentences":[{"text":"And then sort of once the upfront's paid there as well, which is the additional sort of big fee, it is just the ongoing management.","start":3080.73,"end":3085.9302,"sentiment":"neutral","sentiment_score":0.1821904867887497},{"text":"And if the, like, performance does sort of keep track with what sort of was recommended in the markets are doing well, then that helps pay for that fee in addition to you know, you can take advantage of that service to implement sort of more advice down the track as well and keep you updated and sort of keep on top of you a little bit.","start":3085.9302,"end":3101.4048,"sentiment":"neutral","sentiment_score":0.21669331993629684},{"text":"I know for some people, it's a little bit out of sight out of mind, but when someone's calling you, bugging you about it every twelve months to have a conversation, it sort of, you know, keeps you on top of it a bit more as well.","start":3101.4048,"end":3110.4,"sentiment":"neutral","sentiment_score":0.12788477722317615},{"text":"No problem, Jesse.","start":3112.46,"end":3113.26,"sentiment":"neutral","sentiment_score":0.1519840806722641},{"text":"Well, I'll let you get back to your afternoon, get back to the the kids, enjoy some dinner.","start":3113.26,"end":3116.875,"sentiment":"positive","sentiment_score":0.40393856002224815}],"sentiment":"neutral","sentiment_score":0.2050665341084823,"num_words":160,"start":3080.73,"end":3116.875},{"sentences":[{"text":"And then, yeah, any questions?","start":3116.875,"end":3118.235,"sentiment":"neutral","sentiment_score":0.1692086338996887},{"text":"The girls will probably reach out tomorrow the next day just to see if you do have any questions.","start":3118.235,"end":3121.3552,"sentiment":"neutral","sentiment_score":0.25710193616779226},{"text":"But other than that, I'm sure we'll be talking soon in the future as well.","start":3121.3552,"end":3125.367,"sentiment":"neutral","sentiment_score":0.2492788684864839},{"text":"No problem at all, Matt.","start":3127.5269,"end":3128.407,"sentiment":"positive","sentiment_score":0.6796947360038758},{"text":"You enjoy the rest of your day.","start":3128.407,"end":3129.447,"sentiment":"positive","sentiment_score":0.7366103785378593}],"sentiment":"positive","sentiment_score":0.35342959438761073,"num_words":51,"start":3116.875,"end":3129.447},{"sentences":[{"text":"Thanks for your chat.","start":3129.447,"end":3130.427,"sentiment":"positive","sentiment_score":0.5611848309636116},{"text":"Cheers.","start":3131.127,"end":3131.447,"sentiment":"positive","sentiment_score":0.5754105448722839},{"text":"Bye.","start":3131.447,"end":3131.947,"sentiment":"neutral","sentiment_score":-0.1231655478477478}],"sentiment":"positive","sentiment_score":0.44949738681316376,"num_words":6,"start":3129.447,"end":3131.947}]}}]},{"alternatives":[{"transcript":"Hello? Hey, man. Yep. No. Nothing. Thanks. Yeah. Jesse James Walsh. 5th Center 1292 And 20 Condor Close, Cameron Park. Yep. That's right. Okay. Okay. Yep. Yep. No. Nothing about that. No. Yep. Yeah. My my emails are very, very slow. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Okay. Yep. Yep. Yep. Yeah. Yeah. Yeah. Yeah. Yep. Yep. Yep. Yep. Yeah. That's cool. Oh, yeah. I've got the email too. Yep. Yep. Yep. Yep. Yep. Okay. Yep. Yep. Yep. I do. Yes, Tim. Yep. I'm just on our advice to you. Yep. Yep. Yep. Yes. Yeah. Yeah. Yeah. I never knew that, actually. I've never I've never noticed that. Yep. Yep. Yep. Yep. Mhmm. Yep. Yep. Yes. Yep. Yep. Yes. Yeah, please. Yep. Can I ask? You say, like, keeping the money in C Bus for that sort of stuff. Where do I keep, like, have like, keeping that up to to date? You know? Like, how much are you thinking about leaving in the CBUS account for those insurances? Okay. Yep. Yeah. Boarders don't really give two shits. They like it's hard to explain, but, yeah, they they like they like to see from you, but they've never there's heaps of people in the in the job that are with different supers, and they're not they don't force that side of the EBA. So we have sort we we do have free rein. It's like we have a redundancy package called ACERT. They don't force us into that. We can go with another one if we wanted to. They're they're pretty good in that instance. They they can't serve any drama. Yep. So you want a a a letter off my employer, do you? Okay. That'd be yeah. There's a no. That would be about it because we're up for a review now, so it'd be nearly five years. That'd be why. We're in the middle of reviewing it now. Yep. Yes. Yes. Yep. Okay. And then moving forward, how do I, let's say, I do go with the other super fund like you're saying. How do I put the money like, more money in the seed box for the to keep the insurances on that side as well? Because you said we're keeping both of them. Yeah. I say that's what you're saying. Yep. Yep. Yep. Yep. Yeah. Yeah. Yep. Yeah. Yeah. Yeah. Okay. Yep. Yep. Yeah. Yep. Okay. Yeah. Yep. Yep. Yep. Yep. Yep. Pretty fast, anyway. Yes. Yeah. Yeah. Yeah. Yep. Yeah. Yeah. Yeah. Yeah. Yeah. Happy Yep. Yep. Yep. Yep. Yes. Yep. Yep. Yep. Yes. That's what I was gonna ask her, but I was gonna wait till we finished. She asked yeah. She asked me before about it, but I was gonna wait till you but at the end, I'll ask her what we do because she wants to she's possibly gonna wants to roll her money over in with mine or ask you how that works as well. Yep. No. She's a stay at home mom. Yeah. Full time. Yeah. Stay at home mom at the moment. She's she started she pulled out some a lot of years ago to bump some medical expenses. So she did that. So she only had a little bit of in there, but in the past probably six years, she's turned $5 into about 28 just by going high risk, low risk, and just sort of playing around with it. So she's got about 25 to $28 there sitting there. That she it's just literally just dwindling away with fees at the end of the minute because she's not obviously contributing. She contributes a little bit like a couple of dollars here and there just to keep it all open and keep it not chewing too many fees, but yeah. Yeah. Yeah. Yeah. Okay. Yep. Yep. Yep. Yep. Yep. Yep. Yeah. We're trying to be. Yeah. Yeah. Okay. Yep. Yep. That's cool, man. I'm just sort of writing it down as we go and making a little dot point. So if you said so for every thousand bucks, I'll put in up to $500 or 50% up earning under 49,000. Is that for her, though, like, her wage alone? They're not they're not gonna look at it as if my wage because we're combined outside, like, they do with tax and that, do they? Yep. Yep. Okay. And do we have to apply for for the government to do the 50% thing? Yeah. That's what's gonna serve you sort of point with the the logic tax return. That's cool, man. Yes. Yes, please. It'd be good. Yes. Yes, please. That'd be great. Yep. Thank you. That's cool, man. Yep. Yep. Yeah. Yeah. It's it's not a big drama. Yeah. That's right. Yep. Do you still think the 5% is the way to go, or do you reckon like, it it seems to work, but it's only because, like I said, forget it. Or do you reckon I should be better off, like, just putting a fixed demand every week? Yeah. Yeah. Yeah. Yep. Yep. Yeah. Yeah. Yep. Yep. Yep. Yep. Yep. Yep. Yes. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. 100%. It's too weird, isn't it? Yep. Yep. Yep. Yep. Yep. Yes. Yep. Are you? Yeah. Yeah. Yeah. Always wanted to invest in that. Yeah. Like, that's x 200 in that just because they reckon the growth over the last twenty five years has been outstanding. Just like it it never really It goes down, but it's always just progressively going up and up and up. You know? Yep. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yep. Yes. Yep. No. Not really, man. It's a bit above my my thinking, But it it looks it looks I mean, I trust this. Trust this. Yeah. True. Yes. Yep. Yep. Yep. K. Yes. Yeah. Yep. Yeah. Yeah. Yeah. Yeah. Exactly. Yeah. No. Not really, man. Things pretty close to the door. Yep. Yep. Yep. Yep. Yep. K. Yeah. Yep. Yep. Will that come out of my super as well, that monthly premium, or is that I've got a a bucket one. Yep. Yep. Yeah. Okay. Yes. Yep. Yep. Yes. Yep. Yep. Yep. Yep. Yep. Yep. Yeah. Yeah. Yes. Yes. Yes. Yes. Yep. Yeah. Yep. Yep. Yeah. No. Not really, man. I'm just sorta yeah. I'm pretty yeah. Pretty much, man. I know. There's not much crazy to me. I'm pretty happy with what you're just doing and what you just come across within that. You know? So I'm not gonna complain or I don't really have many more questions about it. It's what whatever is happening now is gonna be better than what I was getting. You know? Yep. Yep. Yes. Yep. Yep. Yep. Yep. Yeah. Yeah. That's cool, man. I'm I'm yeah. No. It's all good. Yep. Yep. Yep. Yep. Yeah. No, man. It's it's yeah. You gotta pay. You gotta pay. It's all good. Yes. Yep. Yeah. Yeah. Not really, man. I'm yeah. Yep. No. So if I was so if I just take it away and just have a bit of a a bit more of a thorough read, obviously, me pardon me, wife have a read of it too and see if she's happy with it all. Do I just come back into this document and sign it? And then but, obviously, just double checking too. You need a few things as well from me. You obviously need you said you want a letter from the payroll just to just double checking. That you obviously need that before we can move ahead, Daniel. Yep. Yep. That's right. Yep. Yep. Yeah. Okay. Not really, man. I think you've been a stunning great job. Yeah. I'll just have I'll just have a bit of a read through it, man, and just send them to work and see what if she still thinks it's a it's obviously gonna be better than what's happening with. Like, it sounds like a hell of a lot of a better plan. Yeah. Yeah. That's what I like about it, man. It's not just about super events. Like, at the moment, it's about super, but, eventually, there's gonna be more down the line that I wanna know about. And, like I said, you're best and, you know, maybe put them in one here. And that's that's sorta like that's why I'm sorta happy to go, which is for that reason. Yep. Yeah. That's fine. I understand. Yeah. Alright, man. Thank you very much. Appreciate it. Have a good day. Bye. 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Hey, man. Yep. No. Nothing.\n\nThanks. Yeah. Jesse James Walsh. 5th Center 1292 And 20 Condor Close, Cameron Park. Yep.\n\nThat's right. Okay. Okay. Yep. Yep.\n\nNo. Nothing about that. No. Yep. Yeah.\n\nMy my emails are very, very slow. Yep. Yep. Yep. Yep.\n\nYep. Yep. Yep. Yep. Okay.\n\nYep. Yep. Yep. Yeah. Yeah.\n\nYeah. Yeah. Yep. Yep. Yep.\n\nYep. Yeah. That's cool. Oh, yeah. I've got the email too.\n\nYep. Yep. Yep. Yep. Yep.\n\nOkay. Yep. Yep. Yep. I do.\n\nYes, Tim. Yep. I'm just on our advice to you. Yep. Yep.\n\nYep. Yes. Yeah. Yeah. Yeah.\n\nI never knew that, actually. I've never I've never noticed that. Yep. Yep. Yep.\n\nYep. Mhmm. Yep. Yep. Yes.\n\nYep. Yep. Yes. Yeah, please. Yep.\n\nCan I ask? You say, like, keeping the money in C Bus for that sort of stuff. Where do I keep, like, have like, keeping that up to to date? You know? Like, how much are you thinking about leaving in the CBUS account for those insurances?\n\nOkay. Yep. Yeah. Boarders don't really give two shits. They like it's hard to explain, but, yeah, they they like they like to see from you, but they've never there's heaps of people in the in the job that are with different supers, and they're not they don't force that side of the EBA.\n\nSo we have sort we we do have free rein. It's like we have a redundancy package called ACERT. They don't force us into that. We can go with another one if we wanted to. They're they're pretty good in that instance.\n\nThey they can't serve any drama. Yep. So you want a a a letter off my employer, do you? Okay. That'd be yeah.\n\nThere's a no. That would be about it because we're up for a review now, so it'd be nearly five years. That'd be why. We're in the middle of reviewing it now. Yep.\n\nYes. Yes. Yep. Okay. And then moving forward, how do I, let's say, I do go with the other super fund like you're saying.\n\nHow do I put the money like, more money in the seed box for the to keep the insurances on that side as well? Because you said we're keeping both of them. Yeah. I say that's what you're saying. Yep.\n\nYep. Yep. Yep. Yeah. Yeah.\n\nYep. Yeah. Yeah. Yeah. Okay.\n\nYep. Yep. Yeah. Yep. Okay.\n\nYeah. Yep. Yep. Yep. Yep.\n\nYep. Pretty fast, anyway. Yes. Yeah. Yeah.\n\nYeah. Yep. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Happy Yep. Yep. Yep.\n\nYep. Yes. Yep. Yep. Yep.\n\nYes. That's what I was gonna ask her, but I was gonna wait till we finished. She asked yeah. She asked me before about it, but I was gonna wait till you but at the end, I'll ask her what we do because she wants to she's possibly gonna wants to roll her money over in with mine or ask you how that works as well. Yep.\n\nNo. She's a stay at home mom. Yeah. Full time. Yeah.\n\nStay at home mom at the moment. She's she started she pulled out some a lot of years ago to bump some medical expenses. So she did that. So she only had a little bit of in there, but in the past probably six years, she's turned $5 into about 28 just by going high risk, low risk, and just sort of playing around with it. So she's got about 25 to $28 there sitting there.\n\nThat she it's just literally just dwindling away with fees at the end of the minute because she's not obviously contributing. She contributes a little bit like a couple of dollars here and there just to keep it all open and keep it not chewing too many fees, but yeah. Yeah. Yeah. Yeah.\n\nOkay. Yep. Yep. Yep. Yep.\n\nYep. Yep. Yeah. We're trying to be. Yeah.\n\nYeah. Okay. Yep. Yep. That's cool, man.\n\nI'm just sort of writing it down as we go and making a little dot point. So if you said so for every thousand bucks, I'll put in up to $500 or 50% up earning under 49,000. Is that for her, though, like, her wage alone? They're not they're not gonna look at it as if my wage because we're combined outside, like, they do with tax and that, do they? Yep.\n\nYep. Okay. And do we have to apply for for the government to do the 50% thing? Yeah. That's what's gonna serve you sort of point with the the logic tax return.\n\nThat's cool, man. Yes. Yes, please. It'd be good. Yes.\n\nYes, please. That'd be great. Yep. Thank you. That's cool, man.\n\nYep. Yep. Yeah. Yeah. It's it's not a big drama.\n\nYeah. That's right. Yep. Do you still think the 5% is the way to go, or do you reckon like, it it seems to work, but it's only because, like I said, forget it. Or do you reckon I should be better off, like, just putting a fixed demand every week?\n\nYeah. Yeah. Yeah. Yep. Yep.\n\nYeah. Yeah. Yep. Yep. Yep.\n\nYep. Yep. Yep. Yes. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nYeah. 100%. It's too weird, isn't it? Yep. Yep.\n\nYep. Yep. Yep. Yes. Yep.\n\nAre you? Yeah. Yeah. Yeah. Always wanted to invest in that.\n\nYeah. Like, that's x 200 in that just because they reckon the growth over the last twenty five years has been outstanding. Just like it it never really It goes down, but it's always just progressively going up and up and up. You know? Yep.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Yep. Yes. Yep. No.\n\nNot really, man. It's a bit above my my thinking, But it it looks it looks I mean, I trust this. Trust this. Yeah. True.\n\nYes. Yep. Yep. Yep. K.\n\nYes. Yeah. Yep. Yeah. Yeah.\n\nYeah. Yeah. Exactly. Yeah. No.\n\nNot really, man. Things pretty close to the door. Yep. Yep. Yep.\n\nYep. Yep. K. Yeah. Yep.\n\nYep. Will that come out of my super as well, that monthly premium, or is that I've got a a bucket one. Yep. Yep. Yeah.\n\nOkay. Yes. Yep. Yep. Yes.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Yeah. Yeah. Yes. Yes.\n\nYes. Yes. Yep. Yeah. Yep.\n\nYep. Yeah. No. Not really, man. I'm just sorta yeah.\n\nI'm pretty yeah. Pretty much, man. I know. There's not much crazy to me. I'm pretty happy with what you're just doing and what you just come across within that.\n\nYou know? So I'm not gonna complain or I don't really have many more questions about it. It's what whatever is happening now is gonna be better than what I was getting. You know? Yep.\n\nYep. Yes. Yep. Yep. Yep.\n\nYep. Yeah. Yeah. That's cool, man. I'm I'm yeah.\n\nNo. It's all good. Yep. Yep. Yep.\n\nYep. Yeah. No, man. It's it's yeah. You gotta pay.\n\nYou gotta pay. It's all good. Yes. Yep. Yeah.\n\nYeah. Not really, man. I'm yeah. Yep. No.\n\nSo if I was so if I just take it away and just have a bit of a a bit more of a thorough read, obviously, me pardon me, wife have a read of it too and see if she's happy with it all. Do I just come back into this document and sign it? And then but, obviously, just double checking too. You need a few things as well from me. You obviously need you said you want a letter from the payroll just to just double checking.\n\nThat you obviously need that before we can move ahead, Daniel. Yep. Yep. That's right. Yep.\n\nYep. Yeah. Okay. Not really, man. I think you've been a stunning great job.\n\nYeah. I'll just have I'll just have a bit of a read through it, man, and just send them to work and see what if she still thinks it's a it's obviously gonna be better than what's happening with. Like, it sounds like a hell of a lot of a better plan. Yeah. Yeah.\n\nThat's what I like about it, man. It's not just about super events. Like, at the moment, it's about super, but, eventually, there's gonna be more down the line that I wanna know about. And, like I said, you're best and, you know, maybe put them in one here. And that's that's sorta like that's why I'm sorta happy to go, which is for that reason.\n\nYep. Yeah. That's fine. I understand. Yeah.\n\nAlright, man. Thank you very much. Appreciate it. Have a good day. Bye.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.64,"end":1.14,"sentiment":"neutral","sentiment_score":0.05209045857191086},{"text":"Hey, man.","start":11.36,"end":11.759999,"sentiment":"neutral","sentiment_score":0.15731199085712433},{"text":"Yep.","start":11.759999,"end":12.015,"sentiment":"neutral","sentiment_score":0.25113779306411743},{"text":"No.","start":26.095001,"end":26.494999,"sentiment":"neutral","sentiment_score":-0.08984525501728058},{"text":"Nothing.","start":26.494999,"end":26.975,"sentiment":"neutral","sentiment_score":-0.03734419867396355}],"sentiment":"neutral","sentiment_score":0.08177712994317214,"num_words":6,"start":0.64,"end":26.975},{"sentences":[{"text":"Thanks.","start":26.975,"end":27.42,"sentiment":"neutral","sentiment_score":0.12755972146987915},{"text":"Yeah.","start":34.86,"end":35.18,"sentiment":"neutral","sentiment_score":0.02342948131263256},{"text":"Jesse James 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cool, man.","start":2768.86,"end":2769.58,"sentiment":"positive","sentiment_score":0.5914655923843384},{"text":"I'm I'm yeah.","start":2769.58,"end":2770.3,"sentiment":"neutral","sentiment_score":0.15441080927848816}],"sentiment":"neutral","sentiment_score":0.2814816615233819,"num_words":9,"start":2746.55,"end":2770.3},{"sentences":[{"text":"No.","start":2770.3,"end":2770.46,"sentiment":"neutral","sentiment_score":0.1491406112909317},{"text":"It's all 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yeah.","start":2853.365,"end":2854.2449,"sentiment":"neutral","sentiment_score":0.09408110876878102},{"text":"You gotta pay.","start":2854.2449,"end":2854.805,"sentiment":"neutral","sentiment_score":0.11303621033827464}],"sentiment":"neutral","sentiment_score":0.0915004439651966,"num_words":10,"start":2835.055,"end":2854.805},{"sentences":[{"text":"You gotta pay.","start":2854.805,"end":2855.365,"sentiment":"neutral","sentiment_score":0.15130272507667542},{"text":"It's all good.","start":2855.365,"end":2856.1848,"sentiment":"positive","sentiment_score":0.4243176281452179},{"text":"Yes.","start":2891.33,"end":2891.83,"sentiment":"neutral","sentiment_score":-0.004740959033370018},{"text":"Yep.","start":2905.665,"end":2906.165,"sentiment":"neutral","sentiment_score":0.10919609665870668},{"text":"Yeah.","start":2914.8801,"end":2915.04,"sentiment":"neutral","sentiment_score":0.2542813718318939}],"sentiment":"neutral","sentiment_score":0.23173306323587894,"num_words":9,"start":2854.805,"end":2915.04},{"sentences":[{"text":"Yeah.","start":2915.04,"end":2915.54,"sentiment":"positive","sentiment_score":0.3680297136306762},{"text":"Not really, man.","start":2926.175,"end":2926.965,"sentiment":"neutral","sentiment_score":0.06894786655902863},{"text":"I'm yeah.","start":2926.965,"end":2928.275,"sentiment":"neutral","sentiment_score":0.1773364618420601},{"text":"Yep.","start":2947.725,"end":2948.225,"sentiment":"neutral","sentiment_score":0.15181109309196472},{"text":"No.","start":2950.845,"end":2951.165,"sentiment":"neutral","sentiment_score":-0.04910710081458092}],"sentiment":"neutral","sentiment_score":0.12903127865865827,"num_words":8,"start":2915.04,"end":2951.165},{"sentences":[{"text":"So if I was so if I just take it away and just have a bit of a a bit more of a thorough read, obviously, me pardon me, wife have a read of it too and see if she's happy with it all.","start":2951.165,"end":2958.8801,"sentiment":"neutral","sentiment_score":-0.13207883370870893},{"text":"Do I just come back into this document and sign it?","start":2958.8801,"end":2961.04,"sentiment":"neutral","sentiment_score":0.016007258641448887},{"text":"And then but, obviously, just double checking too.","start":2961.04,"end":2963.9202,"sentiment":"neutral","sentiment_score":-0.002415330964140594},{"text":"You need a few things as well from me.","start":2963.9202,"end":2966.48,"sentiment":"neutral","sentiment_score":-0.011536199392543899},{"text":"You obviously need you said you want a letter from the payroll just to just double checking.","start":2966.48,"end":2972.4949,"sentiment":"neutral","sentiment_score":-0.017818968962220585}],"sentiment":"neutral","sentiment_score":-0.06810628935652838,"num_words":89,"start":2951.165,"end":2972.4949},{"sentences":[{"text":"That you obviously need that before we can move ahead, Daniel.","start":2972.4949,"end":2975.075,"sentiment":"neutral","sentiment_score":-0.031267278235067024},{"text":"Yep.","start":3000.525,"end":3000.925,"sentiment":"neutral","sentiment_score":0.1541609168052673},{"text":"Yep.","start":3000.925,"end":3001.425,"sentiment":"neutral","sentiment_score":0.20714902877807617},{"text":"That's right.","start":3007.325,"end":3007.95,"sentiment":"neutral","sentiment_score":0.06470033526420593},{"text":"Yep.","start":3022.8298,"end":3023.205,"sentiment":"neutral","sentiment_score":0.18121108412742615}],"sentiment":"neutral","sentiment_score":0.020498852478340268,"num_words":16,"start":2972.4949,"end":3023.205},{"sentences":[{"text":"Yep.","start":3029.0452,"end":3029.5452,"sentiment":"positive","sentiment_score":0.41760700941085815},{"text":"Yeah.","start":3032.5652,"end":3032.8052,"sentiment":"neutral","sentiment_score":0.17269286513328552},{"text":"Okay.","start":3032.8052,"end":3033.3052,"sentiment":"neutral","sentiment_score":0.17683541774749756},{"text":"Not really, man.","start":3040.34,"end":3041.14,"sentiment":"neutral","sentiment_score":0.008798186977704367},{"text":"I think you've been a stunning great job.","start":3041.14,"end":3043.4,"sentiment":"positive","sentiment_score":0.5987403132021427}],"sentiment":"positive","sentiment_score":0.398818025631564,"num_words":14,"start":3029.0452,"end":3043.4},{"sentences":[{"text":"Yeah.","start":3044.5,"end":3044.74,"sentiment":"neutral","sentiment_score":0.25363901257514954},{"text":"I'll just have I'll just have a bit of a read through it, man, and just send them to work and see what if she still thinks it's a it's obviously gonna be better than what's happening with.","start":3044.74,"end":3053.455,"sentiment":"neutral","sentiment_score":0.1585497132649547},{"text":"Like, it sounds like a hell of a lot of a better plan.","start":3053.455,"end":3055.635,"sentiment":"neutral","sentiment_score":0.207286991752111},{"text":"Yeah.","start":3057.295,"end":3057.795,"sentiment":"neutral","sentiment_score":0.0946701169013977},{"text":"Yeah.","start":3065.4202,"end":3065.58,"sentiment":"neutral","sentiment_score":0.17567743360996246}],"sentiment":"neutral","sentiment_score":0.1711778992580043,"num_words":54,"start":3044.5,"end":3065.58},{"sentences":[{"text":"That's what I like about it, man.","start":3065.58,"end":3066.86,"sentiment":"positive","sentiment_score":0.38187922324453083},{"text":"It's not just about super events.","start":3066.86,"end":3068.22,"sentiment":"neutral","sentiment_score":0.264335664610068},{"text":"Like, at the moment, it's about super, but, eventually, there's gonna be more down the line that I wanna know about.","start":3068.22,"end":3072.22,"sentiment":"neutral","sentiment_score":0.25869413429782506},{"text":"And, like I said, you're best and, you know, maybe put them in one here.","start":3072.22,"end":3075.4202,"sentiment":"neutral","sentiment_score":0.20528948307037354},{"text":"And that's that's sorta like that's why I'm sorta happy to go, which is for that reason.","start":3075.4202,"end":3080.095,"sentiment":"positive","sentiment_score":0.3845310290070141}],"sentiment":"neutral","sentiment_score":0.29254719863335293,"num_words":66,"start":3065.58,"end":3080.095},{"sentences":[{"text":"Yep.","start":3096.6501,"end":3097.1501,"sentiment":"neutral","sentiment_score":0.1658853143453598},{"text":"Yeah.","start":3109.945,"end":3110.105,"sentiment":"neutral","sentiment_score":0.11583301424980164},{"text":"That's fine.","start":3110.105,"end":3110.665,"sentiment":"neutral","sentiment_score":0.2060159668326378},{"text":"I understand.","start":3110.665,"end":3111.2449,"sentiment":"neutral","sentiment_score":0.16611846536397934},{"text":"Yeah.","start":3122.04,"end":3122.54,"sentiment":"neutral","sentiment_score":0.16262689232826233}],"sentiment":"neutral","sentiment_score":0.16980201218809401,"num_words":7,"start":3096.6501,"end":3122.54},{"sentences":[{"text":"Alright, man.","start":3125.7202,"end":3126.28,"sentiment":"positive","sentiment_score":0.4969531148672104},{"text":"Thank you very much.","start":3126.28,"end":3127.2268,"sentiment":"positive","sentiment_score":0.8318812102079391},{"text":"Appreciate it.","start":3129.1467,"end":3129.7068,"sentiment":"positive","sentiment_score":0.6565133929252625},{"text":"Have a good day.","start":3129.7068,"end":3130.5068,"sentiment":"positive","sentiment_score":0.5521607398986816},{"text":"Bye.","start":3130.5068,"end":3130.827,"sentiment":"neutral","sentiment_score":0.2932416796684265}],"sentiment":"positive","sentiment_score":0.6258724996676812,"num_words":13,"start":3125.7202,"end":3130.827},{"sentences":[{"text":"Bye.","start":3130.827,"end":3131.327,"sentiment":"neutral","sentiment_score":0.2860482931137085}],"sentiment":"neutral","sentiment_score":0.2860482931137085,"num_words":1,"start":3130.827,"end":3131.327}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good afternoon, Jesse. It's Carl calling from OQ Financial. How are you today? Yeah. Not too bad at all.\n\nThanks for asking. I've got you scheduled in for that presentation this afternoon. Is now a good time for you?\n\nChannel 1: Hey, man. Yep.\n\nChannel 0: Perfect. Just before we jump into that one, Jesse, just because it has been that couple of weeks since we last spoke, can I just confirm that nothing sort of changed in regards to your your details in regards to occupation, personal circumstances, things like that?\n\nChannel 1: No. Nothing. Thanks.\n\nChannel 0: Perfect. And just before I send this out there, Jesse, if I could just confirm your full name, date of birth, and current address to send you this document?\n\nChannel 1: Yeah. Jesse James Walsh. 5th Center 1292 And 20 Condor Close, Cameron Park.\n\nChannel 0: Brilliant. Thanks for that one. And can I just confirm your email is j.j.welsh@hotmail.com?\n\nChannel 1: Yep. That's right.\n\nChannel 0: Perfect. So these documents will come through shortly. Now in this pack here, you'll have it's by Otusign. I'm not too sure what signing services you probably used in the past. But\n\nChannel 1: Okay.\n\nChannel 0: with one here, you'll have some listed attachments. So you'll have a copy of your statement of advice, The appendix to your statement of advice. Also, the PDF is in regards to the documents that we are sort of recommending, the products we're recommending, the quote to have a look at, and then there is a signable portion that's for our link as well. Now in the signable portion there, it's a little bit different in terms of what is in there. So there's also a lost super research form, a third party\n\nChannel 1: Okay.\n\nChannel 0: authority, a tax file opt in form. These obviously all in the event that you did come on board as a client. I'm just letting you know what's coming out in the packet.\n\nChannel 1: Yep.\n\nChannel 0: I know it sounds like a lot coming at you.\n\nChannel 1: Yep.\n\nChannel 0: And then with that, you'll have a copy of your fact find that we used to build the advice and also your risk profile with that. Now do you have any questions in regards to that or the the documents that will be coming out today?\n\nChannel 1: No. Nothing about that. No.\n\nChannel 0: Perfect. So that'll be there shortly. Just let me know when it pops\n\nChannel 1: Yep.\n\nChannel 0: up, and then we can run through everything there together. It may just take a second, these larger\n\nChannel 1: Yeah.\n\nChannel 0: ones.\n\nChannel 1: My my emails are very, very slow.\n\nChannel 0: Okay. Not a problem. While that is coming through there as well,\n\nChannel 1: Yep.\n\nChannel 0: I'll just get a start on sort of the start of the document there. So it was finalized on the March 17, which was yesterday and there in terms of the the document itself where it was sort of printed to a PDF. Now\n\nChannel 1: Yep.\n\nChannel 0: we that you do have thirty days from the day to be able to sign that with no sort of changes. Obviously, you did confirm nothing's changed. You do have another\n\nChannel 1: Yep.\n\nChannel 0: thirty format if you did want some extra time and confirm your details again that nothing has changed\n\nChannel 1: Yep.\n\nChannel 0: as well. Now as far as the document itself, it's created for yourself. It is personalized advice from myself, Kyle, getting us an authorized representative under Oakview Financial. You can look us both up. We're both both legit.\n\nYou know, we come up with all the registries. You can also have a look on the website if you know and to know a little bit about me,\n\nChannel 1: Yep.\n\nChannel 0: myself, the the team as well.\n\nChannel 1: Yep.\n\nChannel 0: As far as best interest duty is concerned, we don't make a recommendation unless we can put you in best interest. It's kinda what we're bound by.\n\nChannel 1: Yep.\n\nChannel 0: So based on the research we do, if we can't put you in a better decision, we won't recommend it. We'll sort of just knock you back and give you a bit of general advice on the way.\n\nChannel 1: Yep. Okay.\n\nChannel 0: As far as the scoping of the advice, now the main portions in which we're addressing in the advice piece, I know you sort of just wanna keep it simple, stupid. There's the superannuation insurances and estate planning.\n\nChannel 1: Yep.\n\nChannel 0: Now superannuation was obviously a key point with not being happy with your current fund, the returns, and just the fund itself.\n\nChannel 1: Yep.\n\nChannel 0: Insurances obviously wanting to look at having a bit more cover to cover not only sort of just the the debt there, but have a little bit extra as well and making sure the family's protected. And\n\nChannel 1: Yep.\n\nChannel 0: then also this the estate planning. I know you sort of weren't too fast on that. You haven't really given it much thought, but we just made\n\nChannel 1: Yeah.\n\nChannel 0: a recommendation\n\nChannel 1: Yeah.\n\nChannel 0: on how you can sort of put a few things in place to be able to better protect yourself if something were to happen there. As far as things we did consider but didn't sort of provide advice on this time around was we look at your budgeting savings. I know you're sort of happy managing that yourself. You're saving quite well in terms of what\n\nChannel 1: Yeah.\n\nChannel 0: you're managing to\n\nChannel 1: Yeah.\n\nChannel 0: put away. So we didn't really see a need to touch on that, and you didn't see a need to receive advice on that. We can send you just a copy of the budget planner if you ever did wanna sort of just utilize it for your daily budget. I know sort of a lot of people, you know, it's all up in their head what was coming out when, but sometimes it does help to put it on a bit of paper as well\n\nChannel 1: Yep.\n\nChannel 0: just to be able to follow it and track it a bit better, see how many subscriptions are there, and maybe a few that could go. Then also in regards to debt management, I know you're sort of tracking quite well with that in regards to the debt\n\nChannel 1: Yep.\n\nChannel 0: you do hold on your your primary residence and reducing that down. You do also have access to the mortgage brokers here if you ever do wanna look at refinancing investment properties down in the future, things like that as well.\n\nChannel 1: Yep.\n\nChannel 0: I know you sort of mentioned investment property at a later date. They're not sort of looking at it now. Even if\n\nChannel 1: Yep.\n\nChannel 0: you wanted to come on board, if you did wanna sort of just get a referral to one of the mortgage brokers, that's more than fine as well. We don't sort of, you know, gatekeep other services. We're happy to\n\nChannel 1: Yeah.\n\nChannel 0: pass along\n\nChannel 1: That's\n\nChannel 0: those\n\nChannel 1: cool.\n\nChannel 0: details.\n\nChannel 1: Oh, yeah. I've got the email too.\n\nChannel 0: Oh, brilliant. So if you did wanna open that one up, as\n\nChannel 1: Yep.\n\nChannel 0: I said, there will be a link. You don't have to click on the link yet. That's just to to sign and review those other documents in regards to the third party form to be able to have visibility on your your c bus.\n\nChannel 1: Yep.\n\nChannel 0: We'll send that off just so we can see what's there. We don't actually change any or make any changes with that.\n\nChannel 1: Yep.\n\nChannel 0: LSA is to look for other supers you may hold, and then the tax file opt in is obviously just to hold your tax file number on file.\n\nChannel 1: Yep.\n\nChannel 0: In the last bit of the scope scoping there, we did also scope out the personal investments given that, you know, laid down the track you might wanna look at for personal investments for yourself, your children, and also that investment property, but you're not quite there yet. So we just made\n\nChannel 1: Yep.\n\nChannel 0: a note of that as well. Now if you did open up that attachment for statement advice, we're up to page seven now, and then it's just\n\nChannel 1: Okay.\n\nChannel 0: the limit limited advice\n\nChannel 1: Yep.\n\nChannel 0: warning just to state we're only giving advice on super insurances and the estate planning side of things. Everything else\n\nChannel 1: Yep.\n\nChannel 0: is not actually a recommendation. We just made a note of it.\n\nChannel 1: Yep.\n\nChannel 0: Does that make sense? Do you have that up in front of you now to go\n\nChannel 1: I\n\nChannel 0: through\n\nChannel 1: do.\n\nChannel 0: that\n\nChannel 1: Yes,\n\nChannel 0: with\n\nChannel 1: Tim.\n\nChannel 0: me?\n\nChannel 1: Yep. I'm just on\n\nChannel 0: Perfect.\n\nChannel 1: our advice to you.\n\nChannel 0: Perfect. This is the simplified version of the entire document because, obviously,\n\nChannel 1: Yep.\n\nChannel 0: there's a lot of words coming at you. We try and sort of simplify the main key points of what it is recommending. So in regards the recommendation, we're recommending you roll over your SeaBus superannuation fund to a fund called Hub twenty four Super.\n\nChannel 1: Yep.\n\nChannel 0: It's an industry to a retail. In saying that, we do look to keep this portion of the SeaBus. Now that's not\n\nChannel 1: Yep.\n\nChannel 0: only\n\nChannel 1: Yes.\n\nChannel 0: just because of those insurances, it's also because your EBA actually states that you meant to stay with CBUS. Now in 2021, the government did come out with a rules change, like a my choice of super rules change legislation. That means,\n\nChannel 1: Yeah.\n\nChannel 0: like, everyone should have choice of fund anyway, but just based on the fact that your EBA still specifically states stay with Cbus from the one we looked at, that Borga cranes,\n\nChannel 1: Yeah.\n\nChannel 0: New\n\nChannel 1: Yeah.\n\nChannel 0: South Wales\n\nChannel 1: I never\n\nChannel 0: version.\n\nChannel 1: knew that, actually. I've never I've never noticed that.\n\nChannel 0: Now if we were to have a conversation, like, you had a conversation with your payroll, confirm that they're happy to, you know, have choice of fund, it's more than something we can review in future as well. We just didn't have that information.\n\nChannel 1: Yep.\n\nChannel 0: Also, in addition to that one, when we get down to the insurance part there as well, we did, like, recommend retaining that for now.\n\nChannel 1: Yep.\n\nChannel 0: In future, once we sort of confirm those details, there is the options to look at consolidating that via transfer terms or looking at adjusting your current cover depending on the insurance outcomes. Because with the insurer we picked, they did come back with standard terms. But just given a little bit of history of blood pressure and your occupation, we just wanna be mindful of the fact that\n\nChannel 1: Yep.\n\nChannel 0: it still may come up with a loading or some sort of exclusion even\n\nChannel 1: Yep.\n\nChannel 0: though they stated standard terms because they like to go back on what they sort of review those blind pre assessments at anyway.\n\nChannel 1: Mhmm.\n\nChannel 0: So in the interim, while all the implementations going into force and all that's going through, obviously, it just sets up the best position that if anything\n\nChannel 1: Yep.\n\nChannel 0: did occur, it's in your best interest. Doesn't\n\nChannel 1: Yep.\n\nChannel 0: mean we can't review it following that as well, if that makes sense.\n\nChannel 1: Yes.\n\nChannel 0: Perfect. So with that, we are looking to retain the c bus and opting into those insurances for now and then\n\nChannel 1: Yep.\n\nChannel 0: applying for life and TPD and trauma cover with MetLife and\n\nChannel 1: Yep.\n\nChannel 0: then paying through that with Hub twenty four to save you your out of pocket expenses\n\nChannel 1: Yes.\n\nChannel 0: a little\n\nChannel 1: Yeah,\n\nChannel 0: bit.\n\nChannel 1: please. Yep.\n\nChannel 0: And then with that, the trauma would be the only out of pocket cost, which is the smaller amount. But when we get down to that, I'll go into a bit more details as well about the features of that. And then retaining your CFMEU insurance benefits there as well for the IP and death benefits and things like that and injury benefits that you do hold with that union.\n\nChannel 1: Can I ask? You say, like, keeping the money in C Bus for that sort of stuff. Where do I keep, like, have like, keeping that up to to date? You know? Like, how much are you thinking about leaving in the CBUS account for those insurances?\n\nChannel 0: So at the moment, it'd be 10,000.\n\nChannel 1: Okay.\n\nChannel 0: And then with that, your contributions would stay in CBAS until we've deconfirm everything with your employer. Because obviously, with Choice of Fund, if they don't\n\nChannel 1: Yep.\n\nChannel 0: sort of wanna pay to a different fund, you would have to remain with CBAS in terms\n\nChannel 1: Yeah.\n\nChannel 0: of payments and salary sacrifice.\n\nChannel 1: Boarders don't really give two shits. They like it's hard to explain, but, yeah, they they like they like to see from you, but they've never there's heaps of people in the in the job that are with different supers, and they're not they don't force that side of the EBA. So we have sort we we do have free rein. It's like we have a redundancy package called ACERT. They don't force us into that.\n\nWe can go with another one if we wanted to. They're\n\nChannel 0: Okay.\n\nChannel 1: they're\n\nChannel 0: Okay.\n\nChannel 1: pretty good in that instance. They they can't serve any drama.\n\nChannel 0: Perfect. So with that, the way this works anyway is that we've got you recommended based on the EBA. If\n\nChannel 1: Yep.\n\nChannel 0: you go and collect those details and just shoot us an email or just get it in writing, that is well. Once you sort of go through implementation, we can look at further consolidation there for you as well.\n\nChannel 1: So you want\n\nChannel 0: Just\n\nChannel 1: a a\n\nChannel 0: to to confirm or\n\nChannel 1: a\n\nChannel 0: if you just confirm with them\n\nChannel 1: letter\n\nChannel 0: with your payroll that you\n\nChannel 1: off\n\nChannel 0: do have choice of fund and just shoot\n\nChannel 1: my\n\nChannel 0: us an email that you do, in fact,\n\nChannel 1: employer,\n\nChannel 0: have choice of fund\n\nChannel 1: do\n\nChannel 0: based on that EBA\n\nChannel 1: you?\n\nChannel 0: there as well.\n\nChannel 1: Okay.\n\nChannel 0: Because we're looking we could only see one for 2018, which seems a little bit outdated there as well. And that's\n\nChannel 1: That'd\n\nChannel 0: the one\n\nChannel 1: be yeah. There's a no. That would be about it because we're up for a review now, so it'd be nearly five years. That'd\n\nChannel 0: yeah.\n\nChannel 1: be\n\nChannel 0: I'd\n\nChannel 1: why.\n\nChannel 0: say with\n\nChannel 1: We're in the middle of reviewing it now.\n\nChannel 0: yeah. So I'd say generally with that, they will come out and say you do have choice of fund anyway. Given\n\nChannel 1: Yep.\n\nChannel 0: that of once the insurances and things go through, have a look at it. Because you had to note all the transfer terms questions. It can be as simple as looking to transfer that cover over.\n\nChannel 1: Yes.\n\nChannel 0: And then also based on the underwriting outcomes there as well and what comes from that, That is also we can talk and review. So there's no harm in sort of keeping it there for now. And then once you\n\nChannel 1: Yes.\n\nChannel 0: go through implementation, we can do a little review and an amendment just to say we're gonna look to maintain that group, roll it across, or\n\nChannel 1: Yep.\n\nChannel 0: or look at sort of just altering some policy benefits there as well.\n\nChannel 1: Okay. And then moving forward, how do I, let's say, I do go with the other super fund like you're saying. How do\n\nChannel 0: Yep.\n\nChannel 1: I put the money like, more money in the seed box for the to keep the insurances on that side as well? Because you said we're keeping both of them.\n\nChannel 0: Yeah. So so with that, each year, we'll do a review, and that\n\nChannel 1: Yeah.\n\nChannel 0: will\n\nChannel 1: I\n\nChannel 0: be\n\nChannel 1: say that's\n\nChannel 0: to\n\nChannel 1: what\n\nChannel 0: look\n\nChannel 1: you're saying.\n\nChannel 0: at\n\nChannel 1: Yep.\n\nChannel 0: yeah. That's a minimum to\n\nChannel 1: Yep.\n\nChannel 0: look at moving any funds over\n\nChannel 1: Yep.\n\nChannel 0: to keeping that $10,000 retention. If your employee comes back and then it sort of works out in your best interest still to retain CBAS for those insurance purposes there as well, there is the option to, you know,\n\nChannel 1: Yep.\n\nChannel 0: you can contribute to Pub twenty four and just look at, you know, reviewing that HE and making sure there's enough to cover their premiums because they're\n\nChannel 1: Yeah.\n\nChannel 0: not exactly\n\nChannel 1: Yeah.\n\nChannel 0: absorbent at the moment. Or,\n\nChannel 1: Yep.\n\nChannel 0: you know, you can do a mix of, like, contributing to hub or maybe sales backing\n\nChannel 1: Yeah.\n\nChannel 0: to, you know, Cbus so we can split it a number of sort of ways.\n\nChannel 1: Yeah. Yeah. Okay.\n\nChannel 0: It just depends on what you're comfortable with. But in that saying that, we are\n\nChannel 1: Yep.\n\nChannel 0: gonna recommend the opt in to those insurances and getting that form completed. So in the event that it does drop below to\n\nChannel 1: Yep.\n\nChannel 0: sort of a bit of a lower balance, they're not gonna just roll your fund to the ATO. It stays open anyway. That's all part of the implementation sort of process as well. Obviously, the recommendation at the moment is keeping CBAS once we sort of go through that.\n\nChannel 1: Yeah.\n\nChannel 0: And if you are happy with this recommendation, obviously, we can make a couple of adjustments based on sort of if you did wanna speak to your employer first and then sort of confirm that with this, we can change the recommendation to do transfer terms, things like that as well.\n\nChannel 1: Yep.\n\nChannel 0: But when you do move group cover as well, it does sort of restart the exclusion period. So given that you've had your C bus account for quite some time, if anything did come up, you know, in regards to, like, the blood pressure, things like that, that might be like an exclusion on policy loadings. It does sort of restart that exclusion period, whereas having that group cover now, even though it's not underwritten, it probably predates any sort of blood\n\nChannel 1: Okay.\n\nChannel 0: pressure or high blood pressure, which means it may be more claimable staying where it is, and that's sort of a benefit you might be giving up. That's a conversation we can have as well if you're sort of happy to restart that exclusion period.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. But as far as the insurance side of things, just recommending retaining it for now and then establishing the beneficiary nominations, establishing\n\nChannel 1: Yep.\n\nChannel 0: a will, and then a power of attorney there as well.\n\nChannel 1: Yep.\n\nChannel 0: Now in regards to the next page, it's just the details about you. The\n\nChannel 1: Yep.\n\nChannel 0: page over is just your assets and liabilities there as well. So feel free to have a quick\n\nChannel 1: Yep.\n\nChannel 0: look over that. Make\n\nChannel 1: Yep.\n\nChannel 0: sure that is all correct.\n\nChannel 1: Pretty fast, anyway.\n\nChannel 0: Perfect. When you do get down to page 10, you will see a risk profile. Now\n\nChannel 1: Yes.\n\nChannel 0: within regards to those questions that you did answer, you did come out as a more like high growth to aggressive investor.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Now given the conversation we did have about your sort of position time to retirement and what you're trying to achieve, you were sort of more comfortable with just having a few defensive assets still, especially given\n\nChannel 1: Yeah.\n\nChannel 0: what is going on at the moment. So we did\n\nChannel 1: Yep.\n\nChannel 0: recommend going with the higher growth. It's around that ninety ten sort of split.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: With that, if that still makes\n\nChannel 1: Yeah.\n\nChannel 0: sense and you still agree with that one?\n\nChannel 1: Yeah. Yeah. Happy\n\nChannel 0: Perfect. In regards to getting down to the strategy recommendation there, so it's establishing hub 34, the partial rollover from C Bus, investing your funds per the recommended investment, which I'll go over down a few pages there as well.\n\nChannel 1: Yep.\n\nChannel 0: Redacting contributions from employer to your making sure it stays in your your C Bus account for now and then maintaining\n\nChannel 1: Yep.\n\nChannel 0: your current salary sacrifice arrangement on the weekly\n\nChannel 1: Yep.\n\nChannel 0: 5% basis.\n\nChannel 1: Yep.\n\nChannel 0: Now as far as it's being in your best interest at the moment with the the EBA, it means you get to keep that fund. Also, if you could confirm if you do get any employer benefits by maintaining CBAS as well, we couldn't see any, but sometimes having an EBA just holding that fund, you do get an additional employer benefit by holding it. So if you could confirm that in addition to choice of fund, that would be great. And then\n\nChannel 1: Yes.\n\nChannel 0: just shoot us an email. So at the moment, we're recommending just retaining that. And then by having the hub 24, not only do you have a retail platform that can sort of be more conducive with working with a financial plan in regards to strategies you can achieve by having the fund, a lot better reporting, a lot more access to investments. I know we make the investment now, but it doesn't mean you sorta can't sort of have conversations in regards to including certain things or\n\nChannel 1: Yep.\n\nChannel 0: investments or being a bit more customizable to you. Obviously, this is sort of just a base portfolio that OPU Financial built. And sort of as you grow, as things change, and you wanna sort of adjust things as well, there is the option that you can sort of make those adjustments as well in addition to other things like pairing with IDPS accounts and things like that\n\nChannel 1: Yep.\n\nChannel 0: on the platform, which can lower administration fees, things like that as well and have all your reporting in in one place as it like a future benefit.\n\nChannel 1: Yep.\n\nChannel 0: In addition to that one, you know, there are benefits in terms of, like, you know, your spouse. I'm not too sure. I can't remember what your your spouse does, but if she, I believe, was working well, we did just put the kids at the moment. But\n\nChannel 1: Yes.\n\nChannel 0: once she's working again and sort of wanted to to come on board, there is a couple speak at the moment, which\n\nChannel 1: That's\n\nChannel 0: reduces\n\nChannel 1: what I\n\nChannel 0: your\n\nChannel 1: was gonna ask her, but I was gonna wait till we finished.\n\nChannel 0: okay. Yeah. Not a\n\nChannel 1: She\n\nChannel 0: problem.\n\nChannel 1: asked yeah. She asked me before about it, but I was gonna wait till you but at the end, I'll ask her what we do because she wants to she's possibly gonna wants to roll her money over in with mine or ask you how that works as well.\n\nChannel 0: Yeah. In terms of, like, being able to conjoin the balances, you can't you can sort of have them on the same platforms for the benefit of it reduces administration costs. If you hadn't advised, it reduce your sort of ongoing costs with us as well. Given that she is she's working part time at the moment.\n\nChannel 1: Yep.\n\nChannel 0: Correct?\n\nChannel 1: No. She's a stay\n\nChannel 0: Oh,\n\nChannel 1: at home\n\nChannel 0: well\n\nChannel 1: mom.\n\nChannel 0: done. Stay at home?\n\nChannel 1: Yeah. Full time. Yeah. Stay at home mom at the moment. She's she started she pulled out some a lot of years ago to bump some medical expenses.\n\nSo she did that. So she only had a little bit of in there, but in the past probably six years, she's turned $5 into about 28 just by going high risk, low risk, and just sort of playing around with it. So she's got about 25 to $28 there sitting there. That she it's just literally just dwindling away with fees at the end of the minute because she's not obviously contributing. She contributes a little bit like a couple of dollars here and there just to keep it all open and keep it not chewing too many fees, but yeah.\n\nChannel 0: Yep. So one thing like, given that she's unemployed, so it probably wouldn't be best interest having an adviser fee attached.\n\nChannel 1: Yeah.\n\nChannel 0: One thing you could do in terms of, like, something that there is is there's the government co contribution scheme. Whereas if you contribute\n\nChannel 1: Yeah.\n\nChannel 0: a thousand dollars to a fund when you're not earning over, I believe it's 47 at the moment, maybe a little bit above that, That will\n\nChannel 1: Yeah.\n\nChannel 0: co contribute 50% of that. So when you put in a thousand dollars, you'll get 500 from the government, which means for putting in a thousand dollars, you put in 1,500 to be able to be\n\nChannel 1: Okay.\n\nChannel 0: invested and move forward. And then as I was sort of speaking in regards to before there is spousal contributions that you can do, that's\n\nChannel 1: Yep.\n\nChannel 0: a little bit different in terms of it doesn't, like, make you eligible for the government co contribution, but it means a bit of a tax deduction for you at the end of the the day there\n\nChannel 1: Yep.\n\nChannel 0: as well that you can claim. And that's an option there as well. And then not that sort of we can build it into your strategy. I wouldn't sort of feel comfortable charging your partner a fee to be on board, and with that sort of smaller balance would\n\nChannel 1: Yep.\n\nChannel 0: sort of impact it more than like you said, at the moment, it's still getting eaten away a little bit at at\n\nChannel 1: Yep.\n\nChannel 0: fees versus, you know, just doing a few things on on your end that can sort of help bump up her super just to make sure that it is growing to to some extent.\n\nChannel 1: Yep. Yep.\n\nChannel 0: And like you said, sort of, you know, you're a bit of a team at the end of the day, so it is sort of your supers, her supers if you're\n\nChannel 1: Yeah. We're\n\nChannel 0: thinking\n\nChannel 1: trying to be. Yeah.\n\nChannel 0: thinking long term. But as far as I can so can join the balance there as well, Yeah. Probably, it's not something that can be done in terms of, like, adding it to the the other, unfortunately, because\n\nChannel 1: Yeah.\n\nChannel 0: super\n\nChannel 1: Okay.\n\nChannel 0: is meant to be for you.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep. And I believe let me just have a quick look at the spousal co contributions. Just have a quick look there. I'm just trying to remember the figures off the\n\nChannel 1: That's cool, man.\n\nChannel 0: top.\n\nChannel 1: I'm just sort of writing it down as we go and making a little dot point. So if you said so for every thousand bucks, I'll put in up to $500 or 50% up earning under 49,000.\n\nChannel 0: So as long as you if you earn over 47,000, it starts impacting the amount they'll co contribute. But as\n\nChannel 1: Is\n\nChannel 0: far\n\nChannel 1: that\n\nChannel 0: as\n\nChannel 1: for\n\nChannel 0: that\n\nChannel 1: her, though, like, her wage alone? They're not they're not gonna look at it as if my wage because we're combined outside, like, they do with tax and that, do they?\n\nChannel 0: No. I believe it's the individuals because of superannuation.\n\nChannel 1: Yep.\n\nChannel 0: So just\n\nChannel 1: Yep. Okay.\n\nChannel 0: let me just have a quick look. Doesn't state anything on the e a t o there. It's just sort of the requirements for a single there.\n\nChannel 1: And do we have to apply for for the government to do the 50% thing?\n\nChannel 0: No, sir. It's just based on your concessional contribution or non concessional contributions going in. And then with that so once you make the non concessional contribution to superannuation, you're let me just see what it actually states in terms of what when it does do it. Yes. I think it I believe it's when you lodge your tax return, the amount sort of will just be not that she's working at the moment.\n\nSo I'll\n\nChannel 1: Yeah.\n\nChannel 0: just have\n\nChannel 1: That's\n\nChannel 0: to see\n\nChannel 1: what's\n\nChannel 0: if\n\nChannel 1: gonna\n\nChannel 0: you do\n\nChannel 1: serve\n\nChannel 0: have\n\nChannel 1: you\n\nChannel 0: to\n\nChannel 1: sort of point with the the logic tax return.\n\nChannel 0: so it's been a while since I've done it, so I'd have\n\nChannel 1: That's\n\nChannel 0: to double\n\nChannel 1: cool,\n\nChannel 0: check.\n\nChannel 1: man.\n\nChannel 0: I'll have a a look into it for you, and I'll get back to you\n\nChannel 1: Yes.\n\nChannel 0: in terms\n\nChannel 1: Yes,\n\nChannel 0: of, like,\n\nChannel 1: please.\n\nChannel 0: the\n\nChannel 1: It'd\n\nChannel 0: requirements.\n\nChannel 1: be good.\n\nChannel 0: I'll put a little email together just for the spousal and\n\nChannel 1: Yes.\n\nChannel 0: then\n\nChannel 1: Yes,\n\nChannel 0: also\n\nChannel 1: please.\n\nChannel 0: the government\n\nChannel 1: That'd be great.\n\nChannel 0: co con for you.\n\nChannel 1: Yep. Thank\n\nChannel 0: Because\n\nChannel 1: you.\n\nChannel 0: as I said, I know that the general figures, but when it comes down to the implementation, I'm a bit rusty in terms of, like, what\n\nChannel 1: That's\n\nChannel 0: it actually\n\nChannel 1: cool,\n\nChannel 0: is.\n\nChannel 1: man.\n\nChannel 0: So that's fine. We'll have a look into that there for you. As I said, that's something that doesn't you know, generally, like, we can put into a strategy, but if you're happy managing that yourself as well, it's more so\n\nChannel 1: Yep.\n\nChannel 0: for your partner anyway. Obviously, it does\n\nChannel 1: Yep.\n\nChannel 0: affect your your cash flow. But, you know, you do have a nice amount seeing offset and things like that\n\nChannel 1: Yeah.\n\nChannel 0: to\n\nChannel 1: Yeah.\n\nChannel 0: more\n\nChannel 1: It's\n\nChannel 0: than have\n\nChannel 1: it's\n\nChannel 0: enough.\n\nChannel 1: not a big drama. Yeah. That's right.\n\nChannel 0: Perfect. In terms of, like, your salary sacrifice maintaining that, that's pretty simple in regards to growing you super early and getting it compounding. And given that you can't afford it, starting out, it's easy to get ahead of the curve ball now than later. You are locking that away, but given that you sort of are still in a surplus with that contribution, sort of good that you can put a little bit more in early. And then should you wanna look at sort of personal investment, things like that, or investment property, you can always stop it in future as well.\n\nAt least you got a little head start.\n\nChannel 1: Yep.\n\nChannel 0: You know, a dollar in the pocket sorta can be spent, whereas a dollar in your superannuation, the lease is invested for your retirement.\n\nChannel 1: Do you still think the 5% is the way to go, or do you reckon like, it it seems to work, but it's only because, like I said, forget it. Or do you reckon I should be better off, like, just putting a fixed demand every week?\n\nChannel 0: The 5% obviously is fine in terms of, like, it's, you know, it's just calculated on what you're earning if you are earning a little bit more. It also does\n\nChannel 1: Yeah.\n\nChannel 0: mean that you sort of, you know, it calculates per that, whereas you can sort of jump like, not that you're gonna jump an income bracket just based on the the amount you're sort of earning unless you do, like, a significant amount of overtime\n\nChannel 1: Yeah.\n\nChannel 0: additionally. So if you jumped up, like, 30, a 135,000, you might skip up to a tax bracket. So if you start doing snipping out of overtime, it might actually help sort of reduce that\n\nChannel 1: Yeah.\n\nChannel 0: as well. With that sort of calculating fully, it just sort of means that you'll keep you under that hovering even if you are doing a little bit more overtime.\n\nChannel 1: Yep. Yep.\n\nChannel 0: In saying that as well, if you sort of increased it any more and sort of wanted to do it, given that you wanna achieve some other, like, investment goals, things like that down the future, you don't wanna limit sort of what you're able to put away in savings\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: or offsetting your your PPR there as well. Because you've got a nice chunk of have a good amount of equity. It probably isn't too long until you might be looking down that investment property route and sort of more equity you have in your home can sort of help you with that.\n\nChannel 1: Yep.\n\nChannel 0: As far as the other recommendation to superannuation on page 13, you'll see that just retained at 10,000 in c bus, the insurances and your EBA currently,\n\nChannel 1: Yep.\n\nChannel 0: and then rolling around over to roughly the 157,000. Now after the fees and implementation cost of that upfront fee, you aren't charged the upfront fee again. It is just a flat fee. You just do get charged the ongoing in terms of, like, being an ongoing client. So around\n\nChannel 1: Yep.\n\nChannel 0: 152,000 and $557 will be invested after the fees come out in terms of the upfront advice, and then it would just go on, like, a monthly basis of you being an ongoing client.\n\nChannel 1: Yep.\n\nChannel 0: You can take advantage of the service sort of as much as you'd want with sort of quarterly updates, things like that as well. As a minimum, it'll be, like, 12 monthly updates. Not that you\n\nChannel 1: Yep.\n\nChannel 0: wanna probably chop and change super too much, but in saying that as well, you can always give us a call if you ever sort of did something had any concerns or anything like that as well.\n\nChannel 1: Yep.\n\nChannel 0: Now with regards to recommendation, it obviously is in line with the investment style of what you wanna achieve. It's lower investment cost in terms of, like, the recommendation of the investments, which I'll go over in the next sort of pages. It's in line with the great risk profile of being that high growth and bumping that up from what you're currently in. It's\n\nChannel 1: Yes.\n\nChannel 0: got huge investment menu on Hub twenty four and then being able to have, like, the choice of investment and some changes along the way and being more customizable for strategies. With that, the reporting is quite good in terms of you being able to monitor your super as well. And then in regards to some additional features, Hub 24 has aggregate trading. In addition to that one, you'll also be an ongoing client with Oakview Financial to be able to sort of help you with your financial journey and sort of your views and sort of investments and things like that for the family and yourself as well. Obviously, in regards to the warnings there, there is always the potential growth that you may sort of forego given with how volatile the market is, especially at the moment.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Once you sort of sell down to cash, there is a chance that it does jump a little bit or sort of drop a little bit in that time frame given that everything is going on with the war. At the moment, given that everything's sort of taken a bit of a dip, it's not too bad in the sense that you'll sort of sell low by low. If if\n\nChannel 1: Yeah.\n\nChannel 0: it does\n\nChannel 1: Yeah.\n\nChannel 0: jump up a little bit as well, it does sort of mean that you might forego a bit of that gain if that does occur, which isn't the worst thing in the world given your age. If you miss out on a few percent jump the next day, you know, things will probably change again\n\nChannel 1: Yeah.\n\nChannel 0: as well.\n\nChannel 1: Yeah.\n\nChannel 0: And there's sort of the one sort of key thing is investments. The one thing that isn't guaranteed with financial advice, unfortunately. You know, if you could get\n\nChannel 1: Yeah.\n\nChannel 0: guaranteed returns, everyone would obviously go with them. But\n\nChannel 1: 100%.\n\nChannel 0: as far as liability is concerned, obviously, we do the research. We back sort of what the portfolio is over the long term, things like that. But, you know, with Trump in Paris, well, especially no one knows what's happening tomorrow, let alone the financial\n\nChannel 1: It's\n\nChannel 0: markets\n\nChannel 1: too weird,\n\nChannel 0: in\n\nChannel 1: isn't\n\nChannel 0: five\n\nChannel 1: it?\n\nChannel 0: five to seven years here. So bit bit harder to predict things these days. But in terms of the investment style and what we've got your investments in, which I'll go over there in a second, it should set you up nicely over a long term period. We did also consider retaining SeaBus just rebalancing to your correct sort of asset allocation and risk tolerance. But given that you weren't too happy with it in the sense that you weren't happy really with the industry fund itself, it doesn't offer the range of investments you have on hub twenty four as well.\n\nChannel 1: Yep.\n\nChannel 0: And\n\nChannel 1: Yep.\n\nChannel 0: we also did consider a couple other retail and industry funds as well, but just based on sort of the overall cost and benefit that hub twenty four has, it just came out to be the better fund.\n\nChannel 1: Yep.\n\nChannel 0: We also did consider the full consolidation to hub and then doing the transfer terms as well. But with that knowing with payroll, with that EBA, we're just stuck with what the EBA stated.\n\nChannel 1: Yep.\n\nChannel 0: Want to sort of confirm that we can look at updating that and amending your SOA in the future, sort of change that as well, and then just discussing what you'd be foregoing if you did transfer that group cover over as well.\n\nChannel 1: Yep.\n\nChannel 0: In addition to the fact that although the insurer MetLife that we did recommend did state standard terms, just based on sort of your occupation, the the risk is higher in terms of them sort of coming back with something else where it may be more costly or something that they didn't disclose previously even though they stated standard terms. So that's just something that we're a bit wary of as well in terms of before we're looking at getting rid of that group cover as well. If you look on page 16, you will\n\nChannel 1: Yes.\n\nChannel 0: see the investments that we are recommending. Now these are all\n\nChannel 1: Yep.\n\nChannel 0: Australian listed ASX investments that you can invest in. There is links in the appendix as well that you can have a look at all these investments where they're at. The\n\nChannel 1: Are\n\nChannel 0: service\n\nChannel 1: you?\n\nChannel 0: security side of things has taken a bit of a dip recently. That's just AI in general. It did take a bit of a dive this year. But then you'll have some exposure across Europe, Japan, the all world excluding The US because you do have a core portion listed in the S and P 500,\n\nChannel 1: Yeah.\n\nChannel 0: which is the top 500 in America.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: You'll also have the Australian 200, which is a key another key component of the Australian 200 listed companies. And then you'll\n\nChannel 1: Always\n\nChannel 0: have\n\nChannel 1: wanted\n\nChannel 0: some\n\nChannel 1: to invest in\n\nChannel 0: in\n\nChannel 1: that.\n\nChannel 0: the Australian 200.\n\nChannel 1: Yeah. Like, that's x 200 in that just because they reckon the growth over the last twenty five years has been outstanding. Just like it it never really It goes down, but it's always just progressively going up and up and up. You know?\n\nChannel 0: Yeah. And, look, we did sort of consider active management as well. But like you said, with the way the industry funds index funds, sorry, are, like, performing over the last five to ten years has been really good in terms of growth. It is\n\nChannel 1: Yep.\n\nChannel 0: a lower cost. And given that you weren't sort of too fast on trying to outperform the market, especially with what was going on, it's a lot harder to pick and choose winners, especially,\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: you know, with the volatile market, it is a point for where fund managers actually can find gaps in the market and do really well,\n\nChannel 1: Yeah.\n\nChannel 0: but it also can go the opposite where, you know,\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: if you're picking winners, it's like going down to the the horses there, you you're going great. But if you're picking all the losers, suddenly, you're you're down $10 and\n\nChannel 1: Yeah.\n\nChannel 0: you're not so happy.\n\nChannel 1: Yep.\n\nChannel 0: This is a more balanced diversified approach that you not only sort of, like, split across different geographical locations, but within that, you'll have different industries in those ETF funds there as well. Plus that defensive portion of a bit of gold, which is sort of considered a growth asset still at the moment, and that's the way that viewed it. When the\n\nChannel 1: Yes.\n\nChannel 0: market sort of take a bit of a dive, it does still sort of negatively correlate and generally go up, which is why it can be considered a bit defensive. And then you'll have your core composite bonds, which are just a defensive portion in their own right. And then there'll be a minimum cash holding that hub twenty four does hold. And that's the sort of breakdown of the investments that we are recommending. Did you\n\nChannel 1: Yep.\n\nChannel 0: have any questions in regards to those at all?\n\nChannel 1: No.\n\nChannel 0: I'll\n\nChannel 1: Not really, man. It's a bit above my\n\nChannel 0: do.\n\nChannel 1: my thinking, But it\n\nChannel 0: Yeah.\n\nChannel 1: it looks it looks I mean, I trust this. Trust this. Yeah.\n\nChannel 0: Oh,\n\nChannel 1: True.\n\nChannel 0: no problem. As I said, in terms of, like, risk, you are in a high growth portfolio as you do have, like, the allocation to growth. But as far as, like, manager risk and things like that, you don't typically hold that just due to the fact that you don't have any fund managers that make those changes. It just changes\n\nChannel 1: Yes.\n\nChannel 0: on what the markets are actually doing. So if a company does really well, it makes into the top 200 in Australia. You hold that share. If it falls out, you lose that share. So it's a little bit dynamic in that sense, but you're definitely not trying to pick and choose those winners, which means you only ever do sort of as good as these markets do.\n\nYou can't outperform those markets. But\n\nChannel 1: Yep.\n\nChannel 0: over a long period of time, you know, even some funds, they might do well for three to five years and they might drop off. They'll have some bad years. You have a lot more volatility. And over a long term period of time, index funds generally do outperform a lot of those managed funds anyway. Just purely for the fact that, yeah, they get that sustained long term growth.\n\nOn page 17 there, Jesse, you will see that the risk profile is around the ninety ten. The way your portfolio will be, you'll be slightly more invested in growth assets, and that's purely because they're considering gold to be a 100% growth at the moment, an alternate\n\nChannel 1: Yep.\n\nChannel 0: growth asset. And then in saying that the defensive and fixed interest side portion make up the rest of the defensive portion there as well.\n\nChannel 1: Yep.\n\nChannel 0: Like I said, you can sort of split gold up a little bit, whether it's sixty forty, fifty fifty. Gold is at the moment that I feel classified as a growth asset. Doesn't mean it doesn't still act in some instances as a defensive asset for you as well.\n\nChannel 1: K.\n\nChannel 0: On the next page over, you will have your illustration of the fees that come out there and also the projections of growth on the page over. So\n\nChannel 1: Yes.\n\nChannel 0: in terms of the split, obviously, you will pay a little bit more in terms of administration costs with the retail platforms due to the reporting features and other features you do hold and\n\nChannel 1: Yeah.\n\nChannel 0: the flexibility of those funds. In terms of investment costs and overall investment costs, that will come down. In terms of other fees, that will drop as well. The majority of the the fees come from obviously having an adviser and additional insurance costs. And then with that as well, with the increase of the higher growth, the better performing history of those rolling averages there as well, it should, over the long term period, still put you in a better position by having\n\nChannel 1: Yep.\n\nChannel 0: someone to sort of assist you on your financial journey in addition to additional insurances to to risk mitigate there as well. And then being able to build strategies for the future as well and taking advantage of that service, which is the cost you do pay by having an adviser as well.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: You can see just based on that, I'm not too big a fan of projections anyway because, like, no one knows as what the the market's gonna do in five to ten years' time,\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: but it just\n\nChannel 1: Exactly.\n\nChannel 0: shows you\n\nChannel 1: Yeah.\n\nChannel 0: based off previous figures of that five to ten years what it might look like if everything replicated, which it won't. And then with that, you can sort of see just the past history of your current fund. Obviously, it is less risk because it is more of a balance sort of or a growth or ish option in your CBAS. But as far as the recommended portfolio, it's in line with high growth. You can see a like for like in the appendix of a a balanced growth to a balanced growth and then also the the high growth to the high growth within CBAS and their options as well and how that performance does fare up against the portfolios that we are recommending for you.\n\nNow do you have any questions in regards to any of the the superannuation strategy or the retention strategy for that at the moment there, Jesse?\n\nChannel 1: No. Not really, man. Things pretty close to the door.\n\nChannel 0: Perfect. As far as the insurance section there on page 20, you'll be able to see there that we are recommending just retaining that fee bus policy for now and the cost of that one, so around $681\n\nChannel 1: Yep.\n\nChannel 0: per annum.\n\nChannel 1: Yep.\n\nChannel 0: Then we're recommending a MetLife policy of a hun 1,000,000 of life and total permanent disability, which comes out to get\n\nChannel 1: Yep.\n\nChannel 0: a premium of around 1,080 after the 15% rebate being inside super. So it's close to around the 1,300 mark before that. But being in super\n\nChannel 1: Yep.\n\nChannel 0: environment, you get a bit of a discount, which is fantastic. And then we're also recommending a 100,000 of a life link with trauma policy outside of super. Now\n\nChannel 1: Yep.\n\nChannel 0: that is $22.92 a month. But within regards to that one as well, we have included the family extras or child extras on that one. Now in\n\nChannel 1: K.\n\nChannel 0: the PDF, you can have a look on that and what that means, but, basically, it covers all three of your children for a number of conditions if that was to incur under the age of 16. So it's a bit of an out of child benefit. So if any of your children are diagnosed with certain types of cancers like Crohn's, cystic fibrosis, or, like, the death of a child, you know, knock wood, no one wants anything\n\nChannel 1: Yeah.\n\nChannel 0: bad to happen, but it can cover up to 10% of, like, your policy, which would be around a $10,000 benefit if they were sort of diagnosed with any of those sort of conditions\n\nChannel 1: Yep.\n\nChannel 0: that are listed under the child covers extra. So feel free to have a look in the PDF and what that means. But with that, you're not only covering for your own traumatic events and the trauma conditions for yourself, it also covers for a number of conditions for all of your children,\n\nChannel 1: Yep.\n\nChannel 0: whether that's the ones that you hold currently or if you have another one in the future there as well.\n\nChannel 1: Will that\n\nChannel 0: It\n\nChannel 1: come\n\nChannel 0: covers\n\nChannel 1: out of my super as well, that monthly premium, or is that I've\n\nChannel 0: that\n\nChannel 1: got a\n\nChannel 0: that's\n\nChannel 1: a bucket one.\n\nChannel 0: that's the out of pocket one if you\n\nChannel 1: Yep.\n\nChannel 0: did wanna take that one on.\n\nChannel 1: Yep.\n\nChannel 0: And then with that, that covers for for traumatic events for yourself there as well in the event that sort of you're diagnosed with certain traumatic conditions like heart attack, strokes, those sort of things. And out of all the insurers, MetLife actually really does have a good trauma policy in terms of, like, conditions and being diagnosed with conditions. So\n\nChannel 1: Yeah.\n\nChannel 0: they call it, like, buckets where if you do claim on a condition, you can reinstate your cover. And as long as it's nothing related to that condition specifically, say you had a a cancer, you got paid out your 100,000, you reinstate your policy there through the trauma reinstatement, come down, you know, another twelve months, you have a heart attack, it means you can claim on that policy again and get another 100,000. So it does cover for multiple conditions, and I believe with MetLife, you can do that\n\nChannel 1: Okay.\n\nChannel 0: up to four times for specific conditions. Obviously, ones\n\nChannel 1: Yes.\n\nChannel 0: that are closely related, it might not, but in saying that, it is a lot sort of a lot of comprehensive policy. So feel free to have a little squeeze in the PDF of what trauma cover actually does cover before you do make a decision. Obviously, if you don't want it, we can sort of get rid of it and you don't have to pay it.\n\nChannel 1: Yep.\n\nChannel 0: That it is one of those covers that is the more claimed on covers. And then it does cover quite a number of conditions there as well for yourself. Now as far as that being in your best interest there as well, by having not only the CE bus and your your CFMU benefits with the income protection and that MetLife policy, it does bring a cover up quite a degree than what you currently have. If you just\n\nChannel 1: Yep.\n\nChannel 0: look at replacing, you know, seven point five years of your income replacement plus your debts minus superannuation, it comes to about a mill of cover. Then in\n\nChannel 1: Yes.\n\nChannel 0: addition to that one, you'll have the life and TPD in CBUS as an added\n\nChannel 1: Yep.\n\nChannel 0: benefit. And then with that, any CFMEU benefits you hold for, you know, I know they do certain death benefits on the job, out of the job, broken injuries, things like that as well, which can be sort of seen as, like, some form of trauma cover as well. So\n\nChannel 1: Yep.\n\nChannel 0: feel free to weigh it up. I know sort of the listed conditions, there was too large in terms of what the CFMU insurance benefits and what you caught up what they do cover for across, like, on the work versus out of work versus, like, what's linked with work cover and what isn't.\n\nChannel 1: Yep.\n\nChannel 0: But feel free to have a review of those and see if you feel like the trauma and cover does benefit you there as well. But as I said, it does cover your children and then also MetLife insurance itself, not just limited to the trauma cover. They do have three sixty health, which gives\n\nChannel 1: Yep.\n\nChannel 0: you access to a wide range of of health services that can support not only yourself, but your family there as well. You know, if your sort of partner was looking for additional support and sort of things as well, they're quite good in terms of some of the services they do offer under MetLife, which is nice. Now with that with the flexible sort of arrangement of payments and how you are paying for that, it does mean that sort of majority of it is funded through superannuation. And given that you're contributing well, earning well, it means that that covers a lot of those premiums. That one out\n\nChannel 1: Yep.\n\nChannel 0: of pocket portion obviously isn't out of pocket and does affect cash flow. And then you have your CFMEU benefits with through your union membership there as well, which is quite nice. And it means you don't have to pay for income protection through either your super out of pocket because that is the more costly insurance anyway,\n\nChannel 1: Yep.\n\nChannel 0: if that makes sense.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Now, obviously, the advantages and disadvantages of that is, obviously, you'll have a retail policy for the life and TPD. Not so much the life policy because life is life, but the total permanent disability, you'll have a more comprehensive insurance policy as opposed to the group cover. And then you'll be able to have a nice sort of weighting of the the premiums from inside versus outside. You can see on page 24 of the current versus recommended versus non insurance and what that sort of looks like in terms\n\nChannel 1: Yes.\n\nChannel 0: of, like, a dollar figure and sort of the cost of that. So combine that of your superannuation, it's around $1,700 and 60\n\nChannel 1: Yes.\n\nChannel 0: $1,762 in terms of, like, a fee you're paying out of it, which given your your income and how much you are contributing, it's not too high at all. Generally, we don't wanna go above 30% of contributions and yours is well below that, which\n\nChannel 1: Yes.\n\nChannel 0: is good. Obviously, the risks are you always have to meet the definitions under retail policies even though they're underwritten in terms of being able to make a successful claim. In regards to group policies, obviously, it's underwritten at the time of claim, not through the underwriting process when establishing the policy. So there is the risk they'll decline the claim anyway in regards to conditions that predate the fund all those group insurances there as well. Now we did consider a few alternatives in regards to different insurers and level premiums.\n\nIt just worked out that MetLife was the best in terms of, like, cost and not only the the pre assessment that we did conduct in terms of their\n\nChannel 1: Yes.\n\nChannel 0: offering. Obviously, you know, it does come down to underwriting and what you do disclose at that time as well. But they did come back with standard rates, which is nice in terms of cost as well as why it's so low. Obviously, if it does sort of come out to be a bit different, we'll address that and sort of have a conversation around how you wanna proceed with that as well. We did also consider having a greater amount with Life and TPD with MetLife and canceling your C Bus insurances.\n\nChannel 1: Yep.\n\nChannel 0: But just given, you know, the just the blood pressure and the occupation there currently, it may result\n\nChannel 1: Yeah.\n\nChannel 0: in some form of unfavorable terms even though they stated that it won't through the blind pre assessment. Once\n\nChannel 1: Yep.\n\nChannel 0: it sort of comes through that as well, we can sort of have a discussion around either sort of consolidating once you speak to your employer on that as well and even looking at certain increases down the track. They do do life increases as well. So if you now have other children, things like that as well, you can look at increasing the policies without underwriting. But\n\nChannel 1: Yep.\n\nChannel 0: even without that and just taking into consideration seven point five years income replacement, your superannuation, a million dollars worth of cover does cover the debt and that income replacement. You obviously could look to do a bit more, but given that you're earning income quite quite nicely and paying down your debt quite quickly, if anything, you're becoming more self insured more than you're requiring more cover. So as you do get older, pay down those debts. If anything, you're reducing the amount of cover you need. So it's just a trade off between cost and actually cover requirements.\n\nObviously, if you did TBD tomorrow, it's probably not the most ideal in the sense that you don't have to earn income ever moving forward, but a million dollars is a nice amount to sort of\n\nChannel 1: Yeah.\n\nChannel 0: pay down those debts and have it invested to be able to earn some form of income moving forward as well. It's not like you're gonna go to Vegas and put it all on black. It's something that you can be utilized to, you know, invest for the future as well. Now do you have any questions in regards to the insurance recommendation there at all, Jesse?\n\nChannel 1: No. Not really, man. I'm just sorta yeah.\n\nChannel 0: Yeah.\n\nChannel 1: I'm\n\nChannel 0: Obviously,\n\nChannel 1: pretty\n\nChannel 0: take yeah. Pretty happy with everything so\n\nChannel 1: yeah.\n\nChannel 0: far.\n\nChannel 1: Pretty much, man. I know. There's not much crazy to me. I'm pretty happy\n\nChannel 0: No.\n\nChannel 1: with what you're just doing and what you just come across within that. You know? So I'm not gonna complain or I don't really have many more questions about it. It's what whatever is happening now is gonna be better than what I was getting. You know?\n\nChannel 0: Yeah. And it's quite flexible in the sense that, like, obviously, once you're on board to there's no sort of limit into what sort of like, how much advice you can receive in regards to moving forward with your life changes there as well. Obviously, the\n\nChannel 1: Yep.\n\nChannel 0: most significant front cost does come up front, but then from that, it's just your ongoing, like, review of sort of managed funds. And you can sort of bring up anything as you go each year as well and as you sort of grow as a family and things like that as well. And if your wife were to start working, were to come on board, things like that as well, it'll be, you know, future considerations there for you.\n\nChannel 1: Yep.\n\nChannel 0: The the rest of it's quite simple in terms of the will. So it's quite simple in terms of establishing a will with a a lawyer. We can provide some just general information for wills and estates if you'd like from a\n\nChannel 1: Yes.\n\nChannel 0: local solicitor. That is just a trusted partner for joint and sort of wheels. And the cost of that one, obviously, the advantages if something were to happen, it just means that if you use it in conjunction with, like, power of attorney and, like, the advanced health care directives, you know, if something were to happen to you where you can't sort of, you know you're incapacitated, they can make decisions for you financially. They don't need to go to the courts or anything to be able to make certain changes,\n\nChannel 1: Yep.\n\nChannel 0: but things that are sort of joint in terms of, like, you having to sign off on it as well. In regards to that, it's sort of, you know, you can sort of state certain things in regards to health and how you'd like to go about things, whether you're the pull the plug kind of person or not. It does take a lot of those decisions out of family members' hands in a time where they might not feel like they can make those sort of decisions as well. It's a lot of stress at a time when they probably don't wanna be doing it as well. So it can help\n\nChannel 1: Yep.\n\nChannel 0: if you sort of preemptively put those down. In terms of, like, the beneficiaries, we are recommending to just put your spouse given that she's the primary caregiver for your children for a 100% binding, non lapsing for that. So that just means that it won't change unless you change it. It won't lapse unless you sort of will go in and sort of wanna be able to change it to something else. If you do lapsing it every three years, you gotta update it.\n\nAnd if you do just a general sort of nomination to the fund, it just means that they can pick and choose who they actually wanna give it to, and they might choose the kids over your partner as well or do a split.\n\nChannel 1: Yep.\n\nChannel 0: And, you know, your superannuation money and sort of insurance proceeds aren't gonna do much of a benefit to your children if they're unable to, you know, speak and talk yet, let alone sort of pay for for bills. So with that, in addition to that, your spouse is a 100% independent, which means they'll receive those funds tax free as well as opposed\n\nChannel 1: Yep.\n\nChannel 0: to, like, children over the age of 18 get taxed. If it goes to the state, there's certain taxes there as well. So given it's your spouse, they'll receive it a 100% tax free, which is fantastic. Obviously, not fantastic that you go on, but fantastic that they don't have to worry\n\nChannel 1: Yeah.\n\nChannel 0: about additional taxes. Do you have any questions in regards to that estate planning side of stuff? I'm obviously mindful not to take up all of your afternoon, but\n\nChannel 1: Yeah. That's cool, man. I'm I'm yeah. No. It's all good.\n\nChannel 0: it is quite perfect. Obviously, feel free to have a bit of a read through the advantages, disadvantages of that. Obviously, setting up a will does come at a cost, same with sort of organizing power to any things like that. But once it's done,\n\nChannel 1: Yep.\n\nChannel 0: you've only sort of got a review and update versus not having anything in place and, you know, leaving it up to the courts and family sort of\n\nChannel 1: Yep.\n\nChannel 0: fighting over what's left. In regards to the remuneration, we get, like, obviously, the startup fee, which is 3.3% of your super pardon me, balance, which is $4.09 $5.00, so $4,950. And that's the one lump sum upfront. That's for putting the advice together, implementing it, going through those implementation steps with you. That's sort of what that covers.\n\nObviously, you don't get charged anything up to the point you were to sign if you were happy with everything. And then\n\nChannel 1: Yep.\n\nChannel 0: with the MetLife policy, we do get 66% of the premium. Now with that one, it's not an additional cost you pay. It's just what we get from the insurer that's setting up the policy, doing that work. And then ongoing, we do get 22% of the trailing commission for monitoring and maintaining that policy. And\n\nChannel 1: Yep.\n\nChannel 0: then the adviser fee is 1.65% ongoing in terms of, like, the funds under management and being able to have access to the ongoing client services of Oakview\n\nChannel 1: Yeah.\n\nChannel 0: Financial, if that makes sense.\n\nChannel 1: No,\n\nChannel 0: Yep. Do you have any concerns or questions in regards to the fee or the remuneration or what we get or what it's for?\n\nChannel 1: man. It's it's yeah. You gotta pay. You gotta pay. It's all good.\n\nChannel 0: Yep. Not a problem at all. In terms of, like, the next steps on how to implement, obviously, if you were happy with the advice, you would sign the document from there, Oakview Financial. Obviously, there's the application in there as well for Hub twenty four if you were happy with that. They would submit that for that request of funds from CBUS to start that.\n\nThey'd get you booked in for the personal statement for those MetLife insurances to set up for those amounts. Obviously, you have a think about it in terms of, like, if those are the amounts you're happy with. And even if you did sign tonight, you can go ahead. Once it goes to application change and change some figures, we can just do a record of advice to change that for you, whether or not\n\nChannel 1: Yes.\n\nChannel 0: you wanna do that trauma or not. And then in regards to the beneficiary nominations and setting up a will, obviously, that's up to you. We'll follow you up in terms of giving you the forms and things like that, but I can't force you to fill out your beneficiary forms, and I can't drop a will for you, unfortunately.\n\nChannel 1: Yep.\n\nChannel 0: I can sort of give you sort of general advice on sort of how you can structure wills and things like that. But given, you know, you got a quite nice family structure, it mostly would probably go to spouse and children. And\n\nChannel 1: Yeah.\n\nChannel 0: then\n\nChannel 1: Yeah.\n\nChannel 0: that's that's quite as simple as it it gets really. But do you have any questions in regards to implementation, anything like that, or questions in regards to any of the document or anything we covered today?\n\nChannel 1: Not really, man. I'm yeah.\n\nChannel 0: Not a problem, Jesse. Obviously, you know, if you were happy, you would sign, and let me be the first to sort of welcome to the OPU family if you were happy with everything to come on board. Don't feel pressured to to sign. If you if you don't want, you can have a read through it there first, but the team will probably reach out tomorrow or the next day just to see if you do have any questions. I wanna get booked back in for another chat there\n\nChannel 1: Yep.\n\nChannel 0: as well\n\nChannel 1: No. So if I was so if I just take it away and just have a bit of a a bit more of a thorough read, obviously, me pardon me, wife have a read of it too and see if she's happy with it\n\nChannel 0: for\n\nChannel 1: all.\n\nChannel 0: you.\n\nChannel 1: Do I just come back into this document and sign it? And then but, obviously, just double checking too. You need a few things as well from me. You obviously need you said you want a letter from the payroll just to just double checking. That you obviously need that before we can move ahead, Daniel.\n\nChannel 0: No. That one's fine because the recommendation currently is retaining that c bus. So that's like a future consideration thing. So as far as, like, the advice piece today, whether or not you had that letter is fine. There are girls in implementation.\n\nOnce you did sign the document, it would reach out. They would get your I ID. Obviously, if you wanna send that through and you plan on signing, you can send that through preemptively as well because we're gonna make sure you pass through your AML requirements for anti money laundering, things like that as well.\n\nChannel 1: Yep.\n\nChannel 0: And\n\nChannel 1: Yep.\n\nChannel 0: then those girls will also you know, they're they're quite nice. They're they're nice to me as well, but they'll hold your hand through the whole process there, get\n\nChannel 1: That's\n\nChannel 0: you booked\n\nChannel 1: right.\n\nChannel 0: in for your personal statement. There's no stupid questions, and and, you know, there's it's sort of one of those things that is sort of a big step for a lot of people that haven't sort of taken an undertaken financial advice before. So it is a lot of things that are different in you. So ask as many questions as you want. Call up as\n\nChannel 1: Yep.\n\nChannel 0: much as you want. Hug them as much as you want. They get paid to to answer all your questions. So feel free to to go ahead.\n\nChannel 1: Yep.\n\nChannel 0: And if you wanna have a chat with me as well, I'm more than happy to have another chat as well for you.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Not a problem. But do you have anything for me before I let you go this afternoon to go and digest some of that information there for you, Jesse?\n\nChannel 1: Not really, man. I think you've been a stunning great job.\n\nChannel 0: Not\n\nChannel 1: Yeah.\n\nChannel 0: a problem\n\nChannel 1: I'll just\n\nChannel 0: at all.\n\nChannel 1: have I'll just have a bit of a read through it, man, and just send them to work and see what if she still thinks it's a it's obviously gonna be better than what's happening with. Like, it sounds like a hell of a lot of a better plan.\n\nChannel 0: Yeah. And then\n\nChannel 1: Yeah.\n\nChannel 0: with that, like, even though that, like, returns aren't guaranteed, but the one thing you will have is a service at the end of the day that you can ask all your questions for as well.\n\nChannel 1: Yeah. That's what I like about it, man. It's not just about super events. Like, at the moment, it's about super, but, eventually, there's gonna be more down the line that I wanna know about. And, like I said, you're best and,\n\nChannel 0: Yeah.\n\nChannel 1: you know, maybe put them in one here. And that's that's sorta like that's why I'm sorta happy to go, which is for that\n\nChannel 0: Yeah.\n\nChannel 1: reason.\n\nChannel 0: Yeah. And then sort of once the upfront's paid there as well, which is the additional sort of big fee, it is just the ongoing management. And if the, like, performance does sort of keep track with what sort of was recommended in the markets are doing well, then that helps pay for that fee in addition to you know, you can take advantage of that service to implement sort\n\nChannel 1: Yep.\n\nChannel 0: of more advice down the track as well and keep you updated and sort of keep on top of you a little bit. I know for some people, it's a little bit out of sight out of mind, but when someone's calling you, bugging you about it every twelve months to have a conversation, it sort of, you know, keeps you on top of it a bit more as well.\n\nChannel 1: Yeah. That's fine. I understand.\n\nChannel 0: No problem, Jesse. Well, I'll let you get back to your afternoon, get back to the the kids, enjoy some dinner. And then, yeah, any questions? The girls will probably reach out tomorrow the next day just to see if you do have any questions. But other than that,\n\nChannel 1: Yeah.\n\nChannel 0: I'm sure we'll be talking soon in the future as well.\n\nChannel 1: Alright, man. Thank you very much.\n\nChannel 0: No problem at all, Matt. You enjoy the rest of your\n\nChannel 1: Appreciate\n\nChannel 0: day. Thanks\n\nChannel 1: it.\n\nChannel 0: for\n\nChannel 1: Have\n\nChannel 0: your\n\nChannel 1: a\n\nChannel 0: chat.\n\nChannel 1: good day. Bye. Bye.\n\nChannel 0: Cheers. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.64,"end":1.14,"sentiment":"neutral","sentiment_score":0.05209045857191086}],"sentiment":"neutral","sentiment_score":0.05209045857191086,"channel":1,"num_words":1,"start":0.64,"end":1.14},{"sentences":[{"text":"Good afternoon, Jesse.","start":1.5999999,"end":2.48,"sentiment":"positive","sentiment_score":0.35240915417671204},{"text":"It's Carl calling from OQ Financial.","start":2.48,"end":4.08,"sentiment":"neutral","sentiment_score":0.24568608899911246},{"text":"How are you today?","start":4.08,"end":4.9,"sentiment":"neutral","sentiment_score":0.2735137343406677},{"text":"Yeah.","start":6.24,"end":6.64,"sentiment":"neutral","sentiment_score":0.23731887340545657},{"text":"Not too bad at all.","start":6.64,"end":7.2799997,"sentiment":"neutral","sentiment_score":0.31990382373332976}],"sentiment":"neutral","sentiment_score":0.28748615399787303,"channel":0,"num_words":19,"start":1.5999999,"end":7.2799997},{"sentences":[{"text":"Thanks for asking.","start":7.2799997,"end":7.9199996,"sentiment":"positive","sentiment_score":0.6896311044692993},{"text":"I've got you scheduled in for that presentation this afternoon.","start":7.9199996,"end":9.92,"sentiment":"positive","sentiment_score":0.45587040185928346},{"text":"Is now a good time for you?","start":9.92,"end":11.38,"sentiment":"positive","sentiment_score":0.4297222580228533}],"sentiment":"positive","sentiment_score":0.4817826569080353,"channel":0,"num_words":20,"start":7.2799997,"end":11.38},{"sentences":[{"text":"Hey, man.","start":11.36,"end":11.759999,"sentiment":"neutral","sentiment_score":0.15731199085712433},{"text":"Yep.","start":11.759999,"end":12.015,"sentiment":"neutral","sentiment_score":0.25113779306411743}],"sentiment":"neutral","sentiment_score":0.18858725825945535,"channel":1,"num_words":3,"start":11.36,"end":12.015},{"sentences":[{"text":"Perfect.","start":12.975,"end":13.475,"sentiment":"positive","sentiment_score":0.47235536575317383},{"text":"Just before we jump into that one, Jesse, just because it has been that couple of weeks since we last spoke, can I just confirm that nothing sort of changed in regards to your your details in regards to occupation, personal circumstances, things like that?","start":13.535,"end":26.275,"sentiment":"neutral","sentiment_score":0.03641816253463427}],"sentiment":"neutral","sentiment_score":0.045895058256776436,"channel":0,"num_words":46,"start":12.975,"end":26.275},{"sentences":[{"text":"No.","start":26.095001,"end":26.494999,"sentiment":"neutral","sentiment_score":-0.08984525501728058},{"text":"Nothing.","start":26.494999,"end":26.975,"sentiment":"neutral","sentiment_score":-0.03734419867396355},{"text":"Thanks.","start":26.975,"end":27.42,"sentiment":"neutral","sentiment_score":0.12755972146987915}],"sentiment":"neutral","sentiment_score":0.00012342259287834167,"channel":1,"num_words":3,"start":26.095001,"end":27.42},{"sentences":[{"text":"Perfect.","start":28.630001,"end":29.130001,"sentiment":"neutral","sentiment_score":0.24690747261047363},{"text":"And just before I send this out there, Jesse, if I could just confirm your full name, date of birth, and current address to send you this 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especially,","start":1762.775,"end":1771.595,"sentiment":"neutral","sentiment_score":-0.0612477827516775}],"sentiment":"neutral","sentiment_score":-0.03612496476510868,"channel":0,"num_words":34,"start":1761.895,"end":1771.595},{"sentences":[{"text":"Yeah.","start":1771.21,"end":1771.4501,"sentiment":"neutral","sentiment_score":-0.0088987797498703},{"text":"Yeah.","start":1771.4501,"end":1771.845,"sentiment":"neutral","sentiment_score":-0.05657891556620598}],"sentiment":"neutral","sentiment_score":-0.03273884765803814,"channel":1,"num_words":2,"start":1771.21,"end":1771.845},{"sentences":[{"text":"you know, with the volatile market, it is a point for where fund managers actually can find gaps in the market and do really 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balanced diversified approach that you not only sort of, like, split across different geographical locations, but within that, you'll have different industries in those ETF funds there as well.","start":1791.295,"end":1802.275,"sentiment":"neutral","sentiment_score":0.06671623659856392},{"text":"Plus that defensive portion of a bit of gold, which is sort of considered a growth asset still at the moment, and that's the way that viewed it.","start":1803.35,"end":1809.85,"sentiment":"neutral","sentiment_score":0.0974777809211186},{"text":"When the","start":1810.31,"end":1810.55,"sentiment":"neutral","sentiment_score":-0.17329910397529602}],"sentiment":"neutral","sentiment_score":0.0727684994538625,"channel":0,"num_words":63,"start":1791.295,"end":1810.55},{"sentences":[{"text":"Yes.","start":1810.515,"end":1810.83,"sentiment":"neutral","sentiment_score":-0.1286003440618515}],"sentiment":"neutral","sentiment_score":-0.1286003440618515,"channel":1,"num_words":1,"start":1810.515,"end":1810.83},{"sentences":[{"text":"market sort of take a bit of a dive, it does still sort of negatively correlate and generally go up, which is why it can be considered a bit defensive.","start":1810.55,"end":1818.1849,"sentiment":"neutral","sentiment_score":-0.2628356357415517},{"text":"And then you'll have your core composite bonds, which are just a defensive portion in their own right.","start":1818.805,"end":1823.365,"sentiment":"neutral","sentiment_score":0.16504650231864718},{"text":"And then there'll be a minimum cash holding that hub twenty four does hold.","start":1823.365,"end":1826.985,"sentiment":"neutral","sentiment_score":0.13820680709821836},{"text":"And that's the sort of breakdown of the investments that we are recommending.","start":1827.045,"end":1830.485,"sentiment":"neutral","sentiment_score":0.19364328854359114},{"text":"Did you","start":1830.485,"end":1830.805,"sentiment":"neutral","sentiment_score":0.062257109209895134}],"sentiment":"neutral","sentiment_score":-0.004382594307134678,"channel":0,"num_words":77,"start":1810.55,"end":1830.805},{"sentences":[{"text":"Yep.","start":1830.765,"end":1831.265,"sentiment":"neutral","sentiment_score":0.07552170008420944}],"sentiment":"neutral","sentiment_score":0.07552170008420944,"channel":1,"num_words":1,"start":1830.765,"end":1831.265},{"sentences":[{"text":"have any questions in regards to those at all?","start":1830.805,"end":1833.36,"sentiment":"neutral","sentiment_score":0.05500497668981552}],"sentiment":"neutral","sentiment_score":0.05500497668981552,"channel":0,"num_words":9,"start":1830.805,"end":1833.36},{"sentences":[{"text":"No.","start":1833.085,"end":1833.405,"sentiment":"neutral","sentiment_score":-0.0705762505531311}],"sentiment":"neutral","sentiment_score":-0.0705762505531311,"channel":1,"num_words":1,"start":1833.085,"end":1833.405},{"sentences":[{"text":"I'll","start":1833.36,"end":1833.86,"sentiment":"neutral","sentiment_score":-0.042215194553136826}],"sentiment":"neutral","sentiment_score":-0.042215194553136826,"channel":0,"num_words":1,"start":1833.36,"end":1833.86},{"sentences":[{"text":"Not really, man.","start":1833.405,"end":1834.125,"sentiment":"neutral","sentiment_score":-0.19451972842216492},{"text":"It's a bit above my","start":1834.125,"end":1835.4249,"sentiment":"neutral","sentiment_score":-0.0653977558016777}],"sentiment":"neutral","sentiment_score":-0.11381849553436041,"channel":1,"num_words":8,"start":1833.405,"end":1835.4249},{"sentences":[{"text":"do.","start":1835.52,"end":1836.02,"sentiment":"neutral","sentiment_score":-0.12519216537475586}],"sentiment":"neutral","sentiment_score":-0.12519216537475586,"channel":0,"num_words":1,"start":1835.52,"end":1836.02},{"sentences":[{"text":"my thinking, But it","start":1836.2849,"end":1837.78,"sentiment":"neutral","sentiment_score":-0.028875837568193674}],"sentiment":"neutral","sentiment_score":-0.028875837568193674,"channel":1,"num_words":4,"start":1836.2849,"end":1837.78},{"sentences":[{"text":"Yeah.","start":1837.6799,"end":1838.1799,"sentiment":"neutral","sentiment_score":0.12117645889520644}],"sentiment":"neutral","sentiment_score":0.12117645889520644,"channel":0,"num_words":1,"start":1837.6799,"end":1838.1799},{"sentences":[{"text":"it looks it looks I mean, I trust this.","start":1837.78,"end":1840.68,"sentiment":"neutral","sentiment_score":0.2558121250735389},{"text":"Trust this.","start":1840.98,"end":1841.54,"sentiment":"neutral","sentiment_score":0.3067089021205902},{"text":"Yeah.","start":1841.54,"end":1842.02,"sentiment":"neutral","sentiment_score":0.1443730592727661}],"sentiment":"neutral","sentiment_score":0.2550083324313164,"channel":1,"num_words":12,"start":1837.78,"end":1842.02},{"sentences":[{"text":"Oh,","start":1842.0,"end":1842.24,"sentiment":"neutral","sentiment_score":0.1296408772468567}],"sentiment":"neutral","sentiment_score":0.1296408772468567,"channel":0,"num_words":1,"start":1842.0,"end":1842.24},{"sentences":[{"text":"True.","start":1842.02,"end":1842.52,"sentiment":"neutral","sentiment_score":0.19765335321426392}],"sentiment":"neutral","sentiment_score":0.19765335321426392,"channel":1,"num_words":1,"start":1842.02,"end":1842.52},{"sentences":[{"text":"no 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figures of that five to ten years what it might look like if everything replicated, which it won't.","start":2004.61,"end":2010.9501,"sentiment":"neutral","sentiment_score":0.0016629506079923538},{"text":"And then with that, you can sort of see just the past history of your current fund.","start":2011.89,"end":2015.75,"sentiment":"neutral","sentiment_score":0.16501390933990479},{"text":"Obviously, it is less risk because it is more of a balance sort of or a growth or ish option in your CBAS.","start":2015.945,"end":2021.945,"sentiment":"neutral","sentiment_score":0.1324683648088704},{"text":"But as far as the recommended portfolio, it's in line with high growth.","start":2021.945,"end":2024.745,"sentiment":"neutral","sentiment_score":0.23513134425649276},{"text":"You can see a like for like in the appendix of a a balanced growth to a balanced growth and then also the the high growth to the high growth within CBAS and their options as well and how that performance does fare up against the portfolios that we are recommending for you.","start":2024.745,"end":2041.22,"sentiment":"positive","sentiment_score":0.35577811328869946}],"sentiment":"neutral","sentiment_score":0.21889667946287966,"channel":0,"num_words":127,"start":2004.61,"end":2041.22},{"sentences":[{"text":"Now do you have any questions in regards to any of the the superannuation strategy or the retention strategy for that at the moment there, Jesse?","start":2043.76,"end":2051.385,"sentiment":"neutral","sentiment_score":0.06867177239977397}],"sentiment":"neutral","sentiment_score":0.06867177239977397,"channel":0,"num_words":26,"start":2043.76,"end":2051.385},{"sentences":[{"text":"No.","start":2051.17,"end":2051.4102,"sentiment":"neutral","sentiment_score":-0.144965797662735},{"text":"Not really, man.","start":2051.4102,"end":2052.05,"sentiment":"neutral","sentiment_score":-0.21640828748544058},{"text":"Things pretty close to the 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that.","start":2402.4,"end":2405.22,"sentiment":"neutral","sentiment_score":0.11985657860835393},{"text":"So combine that of your superannuation, it's around $1,700 and 60","start":2405.44,"end":2409.875,"sentiment":"neutral","sentiment_score":0.15858225998553363}],"sentiment":"neutral","sentiment_score":0.13837755665830945,"channel":0,"num_words":23,"start":2402.4,"end":2409.875},{"sentences":[{"text":"Yes.","start":2409.655,"end":2410.155,"sentiment":"neutral","sentiment_score":0.1018652766942978}],"sentiment":"neutral","sentiment_score":0.1018652766942978,"channel":1,"num_words":1,"start":2409.655,"end":2410.155},{"sentences":[{"text":"$1,762 in terms of, like, a fee you're paying out of it, which given your your income and how much you are contributing, it's not too high at all.","start":2410.095,"end":2418.2551,"sentiment":"neutral","sentiment_score":0.21861643986455326},{"text":"Generally, we don't wanna go above 30% of contributions and yours is well below that, which","start":2418.2551,"end":2422.495,"sentiment":"neutral","sentiment_score":0.06244226708076894}],"sentiment":"neutral","sentiment_score":0.1630878450969855,"channel":0,"num_words":45,"start":2410.095,"end":2422.495},{"sentences":[{"text":"Yes.","start":2422.2952,"end":2422.7952,"sentiment":"positive","sentiment_score":0.3556210994720459}],"sentiment":"positive","sentiment_score":0.3556210994720459,"channel":1,"num_words":1,"start":2422.2952,"end":2422.7952},{"sentences":[{"text":"is good.","start":2422.495,"end":2423.13,"sentiment":"positive","sentiment_score":0.471934512257576},{"text":"Obviously, the risks are you always have to meet the definitions under retail policies even though they're underwritten in terms of being able to make a successful claim.","start":2424.5698,"end":2432.65,"sentiment":"neutral","sentiment_score":-0.1257790042353528},{"text":"In regards to group policies, obviously, it's underwritten at the time of claim, not through the underwriting process when establishing the policy.","start":2432.65,"end":2439.4849,"sentiment":"neutral","sentiment_score":-0.10309076055207035},{"text":"So there is the risk they'll decline the claim anyway in regards to conditions that predate the fund all those group insurances there as well.","start":2439.865,"end":2447.2449,"sentiment":"neutral","sentiment_score":-0.23038512527942656},{"text":"Now we did consider a few alternatives in regards to different insurers and level premiums.","start":2447.865,"end":2452.445,"sentiment":"neutral","sentiment_score":0.07850681766867637}],"sentiment":"neutral","sentiment_score":-0.1024778879693021,"channel":0,"num_words":92,"start":2422.495,"end":2452.445},{"sentences":[{"text":"It just worked out that MetLife was the best in terms of, like, cost and not only the the pre assessment that we did conduct in terms of their","start":2452.8801,"end":2460.0,"sentiment":"neutral","sentiment_score":0.2102097660816949}],"sentiment":"neutral","sentiment_score":0.2102097660816949,"channel":0,"num_words":29,"start":2452.8801,"end":2460.0},{"sentences":[{"text":"Yes.","start":2459.93,"end":2460.43,"sentiment":"neutral","sentiment_score":0.14122679829597473}],"sentiment":"neutral","sentiment_score":0.14122679829597473,"channel":1,"num_words":1,"start":2459.93,"end":2460.43},{"sentences":[{"text":"offering.","start":2460.0,"end":2460.5,"sentiment":"neutral","sentiment_score":0.12745390832424164},{"text":"Obviously, you know, it does come down to underwriting and what you do disclose at that time as well.","start":2461.36,"end":2465.685,"sentiment":"neutral","sentiment_score":0.10310231541332446},{"text":"But they did come back with standard rates, which is nice in terms of cost as well as why it's so low.","start":2466.165,"end":2470.5051,"sentiment":"positive","sentiment_score":0.41647275029258296},{"text":"Obviously, if it does sort of come out to be a bit different, we'll address that and sort of have a conversation around how you wanna proceed with that as well.","start":2471.125,"end":2477.5452,"sentiment":"neutral","sentiment_score":-0.07390643259690653},{"text":"We did also consider having a greater amount with Life and TPD with MetLife and canceling your C Bus insurances.","start":2478.6501,"end":2483.95,"sentiment":"neutral","sentiment_score":-0.05879209553822875}],"sentiment":"neutral","sentiment_score":0.08367588264887692,"channel":0,"num_words":93,"start":2460.0,"end":2483.95},{"sentences":[{"text":"Yep.","start":2484.4502,"end":2484.9502,"sentiment":"neutral","sentiment_score":-0.01799873076379299}],"sentiment":"neutral","sentiment_score":-0.01799873076379299,"channel":1,"num_words":1,"start":2484.4502,"end":2484.9502},{"sentences":[{"text":"But just given, you know, the just the blood pressure and the occupation there currently, it may result","start":2484.6501,"end":2489.9302,"sentiment":"neutral","sentiment_score":-0.19722089606026807}],"sentiment":"neutral","sentiment_score":-0.19722089606026807,"channel":0,"num_words":18,"start":2484.6501,"end":2489.9302},{"sentences":[{"text":"Yeah.","start":2489.81,"end":2490.31,"sentiment":"neutral","sentiment_score":-0.28977149724960327}],"sentiment":"neutral","sentiment_score":-0.28977149724960327,"channel":1,"num_words":1,"start":2489.81,"end":2490.31},{"sentences":[{"text":"in some form of unfavorable terms even though they stated that it won't through the blind pre 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know?","start":2587.52,"end":2587.84,"sentiment":"neutral","sentiment_score":0.23679374903440475},{"text":"So I'm not gonna complain or I don't really have many more questions about it.","start":2587.84,"end":2591.76,"sentiment":"neutral","sentiment_score":0.23815744717915852},{"text":"It's what whatever is happening now is gonna be better than what I was getting.","start":2591.76,"end":2595.76,"sentiment":"positive","sentiment_score":0.6054317951202393},{"text":"You know?","start":2595.76,"end":2596.34,"sentiment":"neutral","sentiment_score":0.2474404126405716}],"sentiment":"positive","sentiment_score":0.4213069845387276,"channel":1,"num_words":47,"start":2585.4402,"end":2596.34},{"sentences":[{"text":"Yeah.","start":2597.01,"end":2597.33,"sentiment":"positive","sentiment_score":0.39078718423843384},{"text":"And it's quite flexible in the sense that, like, obviously, once you're on board to there's no sort of limit into what sort of like, how much advice you can receive in regards to 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lawyer.","start":2633.055,"end":2636.9749,"sentiment":"neutral","sentiment_score":0.23788525589874812},{"text":"We can provide some just general information for wills and estates if you'd like from a","start":2636.9749,"end":2641.375,"sentiment":"neutral","sentiment_score":0.20050514489412308}],"sentiment":"neutral","sentiment_score":0.24135907491048178,"channel":0,"num_words":42,"start":2630.7349,"end":2641.375},{"sentences":[{"text":"Yes.","start":2641.37,"end":2641.87,"sentiment":"neutral","sentiment_score":0.15539546310901642}],"sentiment":"neutral","sentiment_score":0.15539546310901642,"channel":1,"num_words":1,"start":2641.37,"end":2641.87},{"sentences":[{"text":"local solicitor.","start":2641.375,"end":2642.1748,"sentiment":"neutral","sentiment_score":0.16529356688261032},{"text":"That is just a trusted partner for joint and sort of wheels.","start":2642.1748,"end":2646.25,"sentiment":"neutral","sentiment_score":0.22998783985773721},{"text":"And the cost of that one, obviously, the advantages if something were to happen, it just means that if you use it in conjunction with, like, power of attorney and, like, the advanced health care directives, you know, if something were to happen to you where you can't sort of, you know you're incapacitated, they can make decisions for you financially.","start":2646.8699,"end":2662.405,"sentiment":"neutral","sentiment_score":0.28743129162514797},{"text":"They don't need to go to the courts or anything to be able to make certain changes,","start":2662.405,"end":2665.305,"sentiment":"neutral","sentiment_score":0.19502942570868662}],"sentiment":"neutral","sentiment_score":0.26020924171999743,"channel":0,"num_words":92,"start":2641.375,"end":2665.305},{"sentences":[{"text":"Yep.","start":2665.1,"end":2665.6,"sentiment":"neutral","sentiment_score":0.1935821622610092}],"sentiment":"neutral","sentiment_score":0.1935821622610092,"channel":1,"num_words":1,"start":2665.1,"end":2665.6},{"sentences":[{"text":"but things that are sort 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help","start":2689.675,"end":2690.475,"sentiment":"neutral","sentiment_score":0.20345499366521835}],"sentiment":"neutral","sentiment_score":-0.04497055263371814,"channel":0,"num_words":112,"start":2666.165,"end":2690.475},{"sentences":[{"text":"Yep.","start":2690.17,"end":2690.67,"sentiment":"neutral","sentiment_score":0.2709791660308838}],"sentiment":"neutral","sentiment_score":0.2709791660308838,"channel":1,"num_words":1,"start":2690.17,"end":2690.67},{"sentences":[{"text":"if you sort of preemptively put those down.","start":2690.475,"end":2692.575,"sentiment":"neutral","sentiment_score":0.2307609710842371},{"text":"In terms of, like, the beneficiaries, we are recommending to just put your spouse given that she's the primary caregiver for your children for a 100% binding, non lapsing for that.","start":2693.5151,"end":2703.06,"sentiment":"neutral","sentiment_score":0.2139610535194797},{"text":"So that just means that it won't change unless you change 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in personal financial advice and retirement savings. They offer advice on underwriting policies and managing policies for customers. The speaker emphasizes the importance of monitoring and maintaining policies for customers, as well as following up with clients through a service. They also mention a service for clients to ask questions."},"intents":{"segments":[{"text":"Just before we jump into that one, Jesse, just because it has been that couple of weeks since we last spoke, can I just confirm that nothing sort of changed in regards to your your details in regards to occupation, personal circumstances, things like that? No. Nothing.","start_word":44,"end_word":90,"intents":[{"intent":"Confirm details","confidence_score":0.065726064}]},{"text":"So it was finalized on the March 17, which was yesterday and there in terms of the the document itself where it was sort of printed to a PDF. Now Yep.","start_word":442,"end_word":472,"intents":[{"intent":"Finalize document","confidence_score":0.07412546}]},{"text":"So based on the research we do, if we can't put you in a better decision, we won't recommend it. We'll sort of just knock you back and give you a bit of general advice on the way. Yep.","start_word":627,"end_word":665,"intents":[{"intent":"Provide advice on insurances and estate planning","confidence_score":0.0002143743}]},{"text":"In future, once we sort of confirm those details, there is the options to look at consolidating that via transfer terms or looking at adjusting your current cover depending on the insurance outcomes.","start_word":1633,"end_word":1665,"intents":[{"intent":"Consolidate funds","confidence_score":0.26639506},{"intent":"Confirm details","confidence_score":0.10518793},{"intent":"Confirm coverage","confidence_score":0.038059678}]},{"text":"Because with the insurer we picked, they did come back with standard terms. But just given a little bit of history of blood pressure and your occupation, we just wanna be mindful of the fact that Yep. it still may come up with a loading or some sort of exclusion even Yep. though they stated standard terms because they like to go back on what they sort of review those blind pre assessments at anyway. Mhmm.","start_word":1666,"end_word":1741,"intents":[{"intent":"Remind about restrictions","confidence_score":0.0000023414195}]},{"text":"So with that, we are looking to retain the c bus and opting into those insurances for now and then Yep.","start_word":1794,"end_word":1814,"intents":[{"intent":"Retain c bus","confidence_score":0.40027854},{"intent":"Maintain cbus account","confidence_score":0.0048695165}]},{"text":"applying for life and TPD and trauma cover with MetLife and Yep.","start_word":1815,"end_word":1826,"intents":[{"intent":"Apply for life and tpd","confidence_score":0.2856067}]},{"text":"applying for life and TPD and trauma cover with MetLife and Yep. then paying through that with Hub twenty four to save you your out of pocket expenses Yes.","start_word":1815,"end_word":1843,"intents":[{"intent":"Apply for travel","confidence_score":0.000053392894}]},{"text":"And then with that, your contributions would stay in CBAS until we've deconfirm everything with your employer.","start_word":1975,"end_word":1991,"intents":[{"intent":"Check contributions","confidence_score":0.0011053336},{"intent":"Confirm employer/fund","confidence_score":0.00039134658}]},{"text":"And then with that, your contributions would stay in CBAS until we've deconfirm everything with your employer. Because obviously, with Choice of Fund, if they don't Yep. sort of wanna pay to a different fund, you would have to remain with CBAS in terms Yeah.","start_word":1975,"end_word":2019,"intents":[{"intent":"Deconfirm cbas","confidence_score":0.019360574}]},{"text":"So you want Just a a to to confirm or a if you just confirm with them letter with your payroll that you off do have choice of fund and just shoot my us an email that you do, in fact, employer, have choice of fund do based on that EBA there you? as well.","start_word":2186,"end_word":2240,"intents":[{"intent":"Confirm fund options","confidence_score":0.0070672813}]},{"text":"Obviously, the recommendation at the moment is keeping CBAS once we sort of go through that. 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Perfect.","start_word":2901,"end_word":2920,"intents":[{"intent":"Retain exclusion period","confidence_score":0.015620452}]},{"text":"But as far as the insurance side of things, just recommending retaining it for now and then establishing the beneficiary nominations, establishing Yep. a will, and then a power of attorney there as well.","start_word":2921,"end_word":2954,"intents":[{"intent":"Discuss insurance aspects","confidence_score":0.00034247575}]},{"text":"page over is just your assets and liabilities there as well.","start_word":2971,"end_word":2981,"intents":[{"intent":"Discuss asset allocation","confidence_score":0.033770144}]},{"text":"Now given the conversation we did have about your sort of position time to retirement and what you're trying to achieve, you were sort of more comfortable with just having a few defensive assets still, especially given Yeah. what is going on at the moment. So we did Yep. recommend going with the higher growth. It's around that ninety ten sort of split. Yeah.","start_word":3044,"end_word":3107,"intents":[{"intent":"Discuss future plans","confidence_score":0.0032647452}]},{"text":"recommend going with the higher growth. It's around that ninety ten sort of split. Yeah.","start_word":3093,"end_word":3107,"intents":[{"intent":"Recommend higher growth","confidence_score":0.2151956}]},{"text":"In regards to getting down to the strategy recommendation there, so it's establishing hub 34, the partial rollover from C Bus, investing your funds per the recommended investment, which I'll go over down a few pages there as well.","start_word":3128,"end_word":3166,"intents":[{"intent":"Discuss strategy recommendation","confidence_score":0.08840737}]},{"text":"your current salary sacrifice arrangement on the weekly Yep. 5% basis.","start_word":3190,"end_word":3200,"intents":[{"intent":"Discuss salary sacrifice arrangement","confidence_score":0.103603415}]},{"text":"Also, if you could confirm if you do get any employer benefits by maintaining CBAS as well, we couldn't see any, but sometimes having an EBA just holding that fund, you do get an additional employer benefit by holding it. So if you could confirm that in addition to choice of fund, that would be great. And then Yes.","start_word":3228,"end_word":3286,"intents":[{"intent":"Confirm employer benefits","confidence_score":0.4173494},{"intent":"Recommend holding cbas fund","confidence_score":0.0010691035}]},{"text":"And then by having the hub 24, not only do you have a retail platform that can sort of be more conducive with working with a financial plan in regards to strategies you can achieve by having the fund, a lot better reporting, a lot more access to investments.","start_word":3300,"end_word":3348,"intents":[{"intent":"Provide investment strategy","confidence_score":0.031450517},{"intent":"Plan strategy meeting","confidence_score":1.0733248e-7}]},{"text":"And sort of as you grow, as things change, and you wanna sort of adjust things as well, there is the option that you can sort of make those adjustments as well in addition to other things like pairing with IDPS accounts and things like that Yep. on the platform, which can lower administration fees, things like that as well and have all your reporting in in one place as it like a future benefit.","start_word":3397,"end_word":3471,"intents":[{"intent":"Pair with ips accounts","confidence_score":0.001736736}]},{"text":"In addition to that one, you know, there are benefits in terms of, like, you know, your spouse. I'm not too sure. I can't remember what your your spouse does, but if she, I believe, was working well, we did just put the kids at the moment. But Yes.","start_word":3473,"end_word":3521,"intents":[{"intent":"Coordinate spouse's commuting","confidence_score":4.9419397e-9}]},{"text":"In terms of, like, being able to conjoin the balances, you can't you can sort of have them on the same platforms for the benefit of it reduces administration costs.","start_word":3618,"end_word":3647,"intents":[{"intent":"Conjoin balances","confidence_score":0.47968924}]},{"text":"In terms of, like, being able to conjoin the balances, you can't you can sort of have them on the same platforms for the benefit of it reduces administration costs. If you hadn't advised, it reduce your sort of ongoing costs with us as well.","start_word":3618,"end_word":3662,"intents":[{"intent":"Reduce costs","confidence_score":0.95679975}]},{"text":"She contributes a little bit like a couple of dollars here and there just to keep it all open and keep it not chewing too many fees, but yeah. Yep.","start_word":3789,"end_word":3818,"intents":[{"intent":"Provide advice on contributing","confidence_score":0.00043284157}]},{"text":"One thing you could do in terms of, like, something that there is is there's the government co contribution scheme.","start_word":3840,"end_word":3859,"intents":[{"intent":"Discuss government contribution scheme","confidence_score":0.3488954}]},{"text":"One thing you could do in terms of, like, something that there is is there's the government co contribution scheme. Whereas if you contribute Yeah.","start_word":3840,"end_word":3864,"intents":[{"intent":"Discuss contribution requirements","confidence_score":0.00016484271}]},{"text":"a thousand dollars to a fund when you're not earning over, I believe it's 47 at the moment, maybe a little bit above that, That will Yeah. co contribute 50% of that. So when you put in a thousand dollars, you'll get 500 from the government, which means for putting in a thousand dollars, you put in 1,500 to be able to be Okay. invested and move forward.","start_word":3865,"end_word":3932,"intents":[{"intent":"Discuss investment in fund","confidence_score":0.0011767417}]},{"text":"a little bit different in terms of it doesn't, like, make you eligible for the government co contribution, but it means a bit of a tax deduction for you at the end of the the day there Yep.","start_word":3956,"end_word":3993,"intents":[{"intent":"Evaluate benefits of government co-participation","confidence_score":0.000016161259}]},{"text":"Doesn't state anything on the e a t o there. It's just sort of the requirements for a single there. And do we have to apply for for the government to do the 50% thing? No, sir.","start_word":4339,"end_word":4375,"intents":[{"intent":"Ask about other requirements","confidence_score":0.000036639623}]},{"text":"I think it I believe it's when you lodge your tax return, the amount sort of will just be not that she's working at the moment. So I'll Yeah.","start_word":4422,"end_word":4450,"intents":[{"intent":"Request tax return","confidence_score":0.0006851186}]},{"text":"I'll have a a look into it for you, and I'll get back to you Yes.","start_word":4492,"end_word":4507,"intents":[{"intent":"Request review","confidence_score":0.00408487},{"intent":"Offer assistance","confidence_score":0.025745165},{"intent":"Offer assistance","confidence_score":0.03494849}]},{"text":"We'll have a look into that there for you. As I said, that's something that doesn't you know, generally, like, we can put into a strategy, but if you're happy managing that yourself as well, it's more so Yep. for your partner anyway. Obviously, it does Yep. affect your your cash flow. But, you know, you do have a nice amount seeing offset and things like that Yeah.","start_word":4583,"end_word":4650,"intents":[{"intent":"State strategy","confidence_score":0.0011586066}]},{"text":"The 5% obviously is fine in terms of, like, it's, you know, it's just calculated on what you're earning if you are earning a little bit more. It also does Yeah.","start_word":4849,"end_word":4879,"intents":[{"intent":"Maximize income","confidence_score":0.060313}]},{"text":"Now after the fees and implementation cost of that upfront fee, you aren't charged the upfront fee again. It is just a flat fee. You just do get charged the ongoing in terms of, like, being an ongoing client. So around Yep. 152,000 and $557 will be invested after the fees come out in terms of the upfront advice, and then it would just go on, like, a monthly basis of you being an ongoing client. Yep.","start_word":5137,"end_word":5213,"intents":[{"intent":"Reassure about costs","confidence_score":0.000015809403}]},{"text":"But, you know, with Trump in Paris, well, especially no one knows what's happening tomorrow, let alone the financial It's markets too weird, in isn't five it? five to seven years here. So bit bit harder to predict things these days.","start_word":5694,"end_word":5734,"intents":[{"intent":"Evaluate markets","confidence_score":0.001690505}]},{"text":"But in terms of the investment style and what we've got your investments in, which I'll go over there in a second, it should set you up nicely over a long term period.","start_word":5736,"end_word":5768,"intents":[{"intent":"Discuss investment styles","confidence_score":0.07987056}]},{"text":"we also did consider a couple other retail and industry funds as well, but just based on sort of the overall cost and benefit that hub twenty four has, it just came out to be the better fund. Yep.","start_word":5826,"end_word":5864,"intents":[{"intent":"Consider alternatives","confidence_score":0.00018997984}]},{"text":"Want to sort of confirm that we can look at updating that and amending your SOA in the future, sort of change that as well, and then just discussing what you'd be foregoing if you did transfer that group cover over as well.","start_word":5900,"end_word":5942,"intents":[{"intent":"Update and amend soa","confidence_score":0.051054515}]},{"text":"And then you'll have your core composite bonds, which are just a defensive portion in their own right. And then there'll be a minimum cash holding that hub twenty four does hold. And that's the sort of breakdown of the investments that we are recommending. Did you Yep.","start_word":6481,"end_word":6528,"intents":[{"intent":"Explain asset structure","confidence_score":0.00074630004}]},{"text":"But as far as the recommended portfolio, it's in line with high growth.","start_word":7207,"end_word":7219,"intents":[{"intent":"Assess portfolio performance","confidence_score":0.0038821257}]},{"text":"Now do you have any questions in regards to any of the the superannuation strategy or the retention strategy for that at the moment there, Jesse? No.","start_word":7273,"end_word":7299,"intents":[{"intent":"Request clarification","confidence_score":0.0017263627}]},{"text":"As far as the insurance section there on page 20, you'll be able to see there that we are recommending just retaining that fee bus policy for now and the cost of that one, so around $681 Yep. per annum. Yep.","start_word":7310,"end_word":7350,"intents":[{"intent":"Recommend policy","confidence_score":0.09098922}]},{"text":"the PDF, you can have a look on that and what that means, but, basically, it covers all three of your children for a number of conditions if that was to incur under the age of 16. So it's a bit of an out of child benefit.","start_word":7458,"end_word":7504,"intents":[{"intent":"Explain policy benefits","confidence_score":0.038779873}]},{"text":"But with that, you're not only covering for your own traumatic events and the trauma conditions for yourself, it also covers for a number of conditions for all of your children, Yep.","start_word":7596,"end_word":7627,"intents":[{"intent":"Cover conditions","confidence_score":0.25260717},{"intent":"Clarify policy coverage","confidence_score":0.0041993307}]},{"text":"And then with that, any CFMEU benefits you hold for, you know, I know they do certain death benefits on the job, out of the job, broken injuries, things like that as well, which can be sort of seen as, like, some form of trauma cover as well. So Yep.","start_word":8046,"end_word":8095,"intents":[{"intent":"Assess cfmu benefits","confidence_score":0.036877207}]},{"text":"And then you have your CFMEU benefits with through your union membership there as well, which is quite nice. And it means you don't have to pay for income protection through either your super out of pocket because that is the more costly insurance anyway, Yep.","start_word":8332,"end_word":8377,"intents":[{"intent":"Evaluate benefits of discount policies","confidence_score":0.000013348131}]},{"text":"Now do you have any questions in regards to the insurance recommendation there at all, Jesse?","start_word":9057,"end_word":9072,"intents":[{"intent":"Address and discuss insurance recommendations","confidence_score":0.013839871}]},{"text":"with what you're just doing and what you just come across within that. You know? So I'm not gonna complain or I don't really have many more questions about it. It's what whatever is happening now is gonna be better than what I was getting. You know?","start_word":9109,"end_word":9155,"intents":[{"intent":"Inform about financial planning","confidence_score":0.00033016992}]},{"text":"In terms of, like, the beneficiaries, we are recommending to just put your spouse given that she's the primary caregiver for your children for a 100% binding, non lapsing for that.","start_word":9541,"end_word":9571,"intents":[{"intent":"Provide information about non-lapping parents and beneficiaries","confidence_score":2.298741e-8},{"intent":"Recommend putting spouse on primary caregiver","confidence_score":0.003982793},{"intent":"Express intention to select multiple beneficiaries","confidence_score":7.575294e-9},{"intent":"Propose non-lapping spouse","confidence_score":0.0011241471}]},{"text":"If you do lapsing it every three years, you gotta update it.","start_word":9606,"end_word":9617,"intents":[{"intent":"Propose periodic updates","confidence_score":0.0000657813}]},{"text":"And, you know, your superannuation money and sort of insurance proceeds aren't gonna do much of a benefit to your children if they're unable to, you know, speak and talk yet, let alone sort of pay for for bills.","start_word":9663,"end_word":9701,"intents":[{"intent":"Request discussion about superannuation funds and insurance proceeds","confidence_score":6.3228796e-8}]},{"text":"Do you have any questions in regards to that estate planning side of stuff?","start_word":9784,"end_word":9797,"intents":[{"intent":"Address estate planning","confidence_score":0.0005960413}]},{"text":"Do you have any concerns or questions in regards to the fee or the remuneration or what we get or what it's for? man.","start_word":10071,"end_word":10094,"intents":[{"intent":"Confirm understanding","confidence_score":0.0028872576}]},{"text":"They would submit that for that request of funds from CBUS to start that.","start_word":10159,"end_word":10172,"intents":[{"intent":"Request funds","confidence_score":0.10673863}]},{"text":"They'd get you booked in for the personal statement for those MetLife insurances to set up for those amounts.","start_word":10173,"end_word":10191,"intents":[{"intent":"Set up personal statement","confidence_score":0.6626236}]},{"text":"We'll follow you up in terms of giving you the forms and things like that, but I can't force you to fill out your beneficiary forms, and I can't drop a will for you, unfortunately. Yep.","start_word":10274,"end_word":10309,"intents":[{"intent":"Follow up with forms","confidence_score":0.009963515}]},{"text":"I can sort of give you sort of general advice on sort of how you can structure wills and things like that. But given, you know, you got a quite nice family structure, it mostly would probably go to spouse and children. And Yeah.","start_word":10310,"end_word":10353,"intents":[{"intent":"Provide general advice","confidence_score":0.26678097},{"intent":"Structure wills","confidence_score":0.0014199881}]},{"text":"I wanna get booked back in for another chat there Yep.","start_word":10478,"end_word":10488,"intents":[{"intent":"Book back meeting","confidence_score":0.00014733146}]},{"text":"So if I was so if I just take it away and just have a bit of a a bit more of a thorough read, obviously, me pardon me, wife have a read of it too and see if she's happy with it for all. you.","start_word":10493,"end_word":10538,"intents":[{"intent":"Consult document","confidence_score":0.00021008505}]},{"text":"a problem I'll just at all. have I'll just have a bit of a read through it, man, and just send them to work and see what if she still thinks it's a it's obviously gonna be better than what's happening with. Like, it sounds like a hell of a lot of a better plan. Yeah. And then Yeah.","start_word":10891,"end_word":10949,"intents":[{"intent":"Discuss plans and discuss expenses","confidence_score":0.000006919246}]}]},"sentiments":{"segments":[{"text":"Hello?","start_word":0,"end_word":0,"sentiment":"neutral","sentiment_score":0.05209045857191086},{"text":"Good afternoon, Jesse.","start_word":1,"end_word":3,"sentiment":"positive","sentiment_score":0.34214210510253906},{"text":"It's Carl calling from OQ Financial. How are you today? Yeah.","start_word":4,"end_word":14,"sentiment":"neutral","sentiment_score":0.2606431841850281},{"text":"Not too bad at all. Thanks for asking. I've got you scheduled in for that presentation this afternoon. Is now a good time for you?","start_word":15,"end_word":39,"sentiment":"positive","sentiment_score":0.4549163579940796},{"text":"Hey, man. Yep.","start_word":40,"end_word":42,"sentiment":"neutral","sentiment_score":0.19752304255962372},{"text":"Perfect.","start_word":43,"end_word":43,"sentiment":"positive","sentiment_score":0.47235536575317383},{"text":"Just before we jump into that one, Jesse, just because it has been that couple of weeks since we last spoke, can I just confirm that nothing sort of changed in regards to your your details in regards to occupation, personal circumstances, things like that? No. Nothing. Thanks. Perfect. And just before I send this out there, Jesse, if I could just confirm your full name, date of birth, and current address to send you this document? Yeah. Jesse James Walsh. 5th Center 1292 And 20 Condor Close, Cameron Park.","start_word":44,"end_word":133,"sentiment":"neutral","sentiment_score":0.046868715435266495},{"text":"Brilliant. Thanks for that one.","start_word":134,"end_word":138,"sentiment":"positive","sentiment_score":0.5102834105491638},{"text":"And can I just confirm your email is j.j.welsh@hotmail.com? Yep. That's right. Perfect. So these documents will come through shortly. Now in this pack here, you'll have it's by Otusign. I'm not too sure what signing services you probably used in the past. But Okay. with one here, you'll have some listed attachments. So you'll have a copy of your statement of advice, The appendix to your statement of advice. Also, the PDF is in regards to the documents that we are sort of recommending, the products we're recommending, the quote to have a look at, and then there is a signable portion that's for our link as well. Now in the signable portion there, it's a little bit different in terms of what is in there. So there's also a lost super research form, a third party Okay. authority, a tax file opt in form. These obviously all in the event that you did come on board as a client. I'm just letting you know what's coming out in the packet. Yep. I know it sounds like a lot coming at you. Yep. And then with that, you'll have a copy of your fact find that we used to build the advice and also your risk profile with that. Now do you have any questions in regards to that or the the documents that will be coming out today? No. Nothing about that. No. Perfect. So that'll be there shortly. Just let me know when it pops Yep. up, and then we can run through everything there together. It may just take a second, these larger Yeah. ones.","start_word":139,"end_word":407,"sentiment":"neutral","sentiment_score":0.03477993210064434},{"text":"My my emails are very, very slow.","start_word":408,"end_word":414,"sentiment":"negative","sentiment_score":-0.6794801354408264},{"text":"Okay. Not a problem. While that is coming through there as well, Yep. I'll just get a start on sort of the start of the document there. So it was finalized on the March 17, which was yesterday and there in terms of the the document itself where it was sort of printed to a PDF. Now Yep. we that you do have thirty days from the day to be able to sign that with no sort of changes. Obviously, you did confirm nothing's changed. You do have another Yep. thirty format if you did want some extra time and confirm your details again that nothing has changed Yep. as well. Now as far as the document itself, it's created for yourself. It is personalized advice from myself, Kyle, getting us an authorized representative under Oakview Financial. You can look us both up. We're both both legit. You know, we come up with all the registries. You can also have a look on the website if you know and to know a little bit about me, Yep. myself, the the team as well. Yep. As far as best interest duty is concerned, we don't make a recommendation unless we can put you in best interest. It's kinda what we're bound by. Yep. So based on the research we do, if we can't put you in a better decision, we won't recommend it. We'll sort of just knock you back and give you a bit of general advice on the way. Yep. Okay. As far as the scoping of the advice, now the main portions in which we're addressing in the advice piece, I know you sort of just wanna keep it simple, stupid. There's the superannuation insurances and estate planning. Yep.","start_word":415,"end_word":705,"sentiment":"neutral","sentiment_score":0.0235381368547678},{"text":"Now superannuation was obviously a key point with not being happy with your current fund, the returns, and just the fund itself.","start_word":706,"end_word":727,"sentiment":"negative","sentiment_score":-0.5313248038291931},{"text":"Yep. Insurances obviously wanting to look at having a bit more cover to cover not only sort of just the the debt there, but have a little bit extra as well and making sure the family's protected. And Yep. then also this the estate planning. I know you sort of weren't too fast on that. You haven't really given it much thought, but we just made Yeah. a recommendation Yeah. on how you can sort of put a few things in place to be able to better protect yourself if something were to happen there. As far as things we did consider but didn't sort of provide advice on this time around was we look at your budgeting savings.","start_word":728,"end_word":846,"sentiment":"neutral","sentiment_score":0.0991884544491768},{"text":"I know you're sort of happy managing that yourself. You're saving quite well in terms of what Yeah.","start_word":847,"end_word":864,"sentiment":"positive","sentiment_score":0.35339874029159546},{"text":"you're managing to Yeah. put away. So we didn't really see a need to touch on that, and you didn't see a need to receive advice on that. We can send you just a copy of the budget planner if you ever did wanna sort of just utilize it for your daily budget. I know sort of a lot of people, you know, it's all up in their head what was coming out when, but sometimes it does help to put it on a bit of paper as well Yep.","start_word":865,"end_word":954,"sentiment":"neutral","sentiment_score":0.1015159860253334},{"text":"just to be able to follow it and track it a bit better, see how many subscriptions are there, and maybe a few that could go.","start_word":955,"end_word":980,"sentiment":"positive","sentiment_score":0.3378378450870514},{"text":"Then also in regards to debt management, I know you're sort of tracking quite well with that in regards to the debt Yep. you do hold on your your primary residence and reducing that down. You do also have access to the mortgage brokers here if you ever do wanna look at refinancing investment properties down in the future, things like that as well. Yep. I know you sort of mentioned investment property at a later date. They're not sort of looking at it now. Even if Yep.","start_word":981,"end_word":1068,"sentiment":"neutral","sentiment_score":0.09479880332946776},{"text":"you wanted to come on board, if you did wanna sort of just get a referral to one of the mortgage brokers, that's more than fine as well.","start_word":1069,"end_word":1096,"sentiment":"positive","sentiment_score":0.4032915532588959},{"text":"We don't sort of, you know, gatekeep other services.","start_word":1097,"end_word":1105,"sentiment":"neutral","sentiment_score":-0.020669052377343174},{"text":"We're happy to Yeah. pass along That's those cool.","start_word":1106,"end_word":1114,"sentiment":"positive","sentiment_score":0.5252086520195007},{"text":"details. Oh, yeah. I've got the email too.","start_word":1115,"end_word":1122,"sentiment":"neutral","sentiment_score":0.2579585015773773},{"text":"Oh, brilliant.","start_word":1123,"end_word":1124,"sentiment":"positive","sentiment_score":0.7488318681716919},{"text":"So if you did wanna open that one up, as Yep. I said, there will be a link. You don't have to click on the link yet. That's just to to sign and review those other documents in regards to the third party form to be able to have visibility on your your c bus. Yep. We'll send that off just so we can see what's there. We don't actually change any or make any changes with that. Yep. LSA is to look for other supers you may hold, and then the tax file opt in is obviously just to hold your tax file number on file. Yep. In the last bit of the scope scoping there, we did also scope out the personal investments given that, you know, laid down the track you might wanna look at for personal investments for yourself, your children, and also that investment property, but you're not quite there yet. So we just made Yep. a note of that as well. Now if you did open up that attachment for statement advice, we're up to page seven now, and then it's just Okay. the limit limited advice Yep. warning just to state we're only giving advice on super insurances and the estate planning side of things. Everything else Yep. is not actually a recommendation. We just made a note of it. Yep. Does that make sense? Do you have that up in front of you now to go I through do. that Yes, with Tim. me? Yep. I'm just on Perfect.","start_word":1125,"end_word":1381,"sentiment":"neutral","sentiment_score":0.06166311353445053},{"text":"our advice to you. Perfect.","start_word":1382,"end_word":1386,"sentiment":"positive","sentiment_score":0.44744181632995605},{"text":"This is the simplified version of the entire document because, obviously, Yep. there's a lot of words coming at you. We try and sort of simplify the main key points of what it is recommending. So in regards the recommendation, we're recommending you roll over your SeaBus superannuation fund to a fund called Hub twenty four Super. Yep. It's an industry to a retail. In saying that, we do look to keep this portion of the SeaBus. Now that's not Yep. only Yes. just because of those insurances, it's also because your EBA actually states that you meant to stay with CBUS. Now in 2021, the government did come out with a rules change, like a my choice of super rules change legislation. That means, Yeah. like, everyone should have choice of fund anyway, but just based on the fact that your EBA still specifically states stay with Cbus from the one we looked at, that Borga cranes, Yeah. New Yeah. South Wales I never version. knew that, actually. I've never I've never noticed that. Now if we were to have a conversation, like, you had a conversation with your payroll, confirm that they're happy to, you know, have choice of fund, it's more than something we can review in future as well. We just didn't have that information. Yep. Also, in addition to that one, when we get down to the insurance part there as well, we did, like, recommend retaining that for now. Yep. In future, once we sort of confirm those details, there is the options to look at consolidating that via transfer terms or looking at adjusting your current cover depending on the insurance outcomes. Because with the insurer we picked, they did come back with standard terms. But just given a little bit of history of blood pressure and your occupation, we just wanna be mindful of the fact that Yep.","start_word":1387,"end_word":1702,"sentiment":"neutral","sentiment_score":0.10672347702651838},{"text":"it still may come up with a loading or some sort of exclusion even Yep.","start_word":1703,"end_word":1717,"sentiment":"negative","sentiment_score":-0.4255776107311249},{"text":"though they stated standard terms because they like to go back on what they sort of review those blind pre assessments at anyway. Mhmm. So in the interim, while all the implementations going into force and all that's going through, obviously, it just sets up the best position that if anything Yep. did occur, it's in your best interest. Doesn't Yep. mean we can't review it following that as well, if that makes sense.","start_word":1718,"end_word":1791,"sentiment":"neutral","sentiment_score":-0.05452465381775353},{"text":"Yes. Perfect.","start_word":1792,"end_word":1793,"sentiment":"positive","sentiment_score":0.4988948404788971},{"text":"So with that, we are looking to retain the c bus and opting into those insurances for now and then Yep. applying for life and TPD and trauma cover with MetLife and Yep. then paying through that with Hub twenty four to save you your out of pocket expenses Yes. a little Yeah, bit. please. Yep. And then with that, the trauma would be the only out of pocket cost, which is the smaller amount. But when we get down to that, I'll go into a bit more details as well about the features of that. And then retaining your CFMEU insurance benefits there as well for the IP and death benefits and things like that and injury benefits that you do hold with that union. Can I ask? You say, like, keeping the money in C Bus for that sort of stuff. Where do I keep, like, have like, keeping that up to to date? You know? Like, how much are you thinking about leaving in the CBUS account for those insurances? So at the moment, it'd be 10,000. Okay. And then with that, your contributions would stay in CBAS until we've deconfirm everything with your employer. Because obviously, with Choice of Fund, if they don't Yep. sort of wanna pay to a different fund, you would have to remain with CBAS in terms Yeah. of payments and salary sacrifice. Boarders don't really give two shits. They like it's hard to explain, but, yeah, they they like they like to see from you, but they've never there's heaps of people in the in the job that are with different supers, and they're not they don't force that side of the EBA. So we have sort we we do have free rein. It's like we have a redundancy package called ACERT. They don't force us into that. We can go with another one if we wanted to. They're Okay. they're Okay. pretty good in that instance. They they can't serve any drama. Perfect. So with that, the way this works anyway is that we've got you recommended based on the EBA.","start_word":1794,"end_word":2144,"sentiment":"neutral","sentiment_score":0.05392806384807978},{"text":"If Yep. you go and collect those details and just shoot us an email or just get it in writing, that is well.","start_word":2145,"end_word":2167,"sentiment":"positive","sentiment_score":0.4553348422050476},{"text":"Once you sort of go through implementation, we can look at further consolidation there for you as well. So you want Just a a to to confirm or a if you just confirm with them letter with your payroll that you off do have choice of fund and just shoot my us an email that you do, in fact, employer, have choice of fund do based on that EBA there you? as well. Okay. Because we're looking we could only see one for 2018, which seems a little bit outdated there as well. And that's That'd the one be yeah. There's a no. That would be about it because we're up for a review now, so it'd be nearly five years. That'd yeah. be I'd why. say with We're in the middle of reviewing it now. yeah. So I'd say generally with that, they will come out and say you do have choice of fund anyway. Given Yep. that of once the insurances and things go through, have a look at it. Because you had to note all the transfer terms questions. It can be as simple as looking to transfer that cover over. Yes. And then also based on the underwriting outcomes there as well and what comes from that, That is also we can talk and review. So there's no harm in sort of keeping it there for now. And then once you Yes. go through implementation, we can do a little review and an amendment just to say we're gonna look to maintain that group, roll it across, or Yep. or look at sort of just altering some policy benefits there as well. Okay. And then moving forward, how do I, let's say, I do go with the other super fund like you're saying. How do Yep. I put the money like, more money in the seed box for the to keep the insurances on that side as well? Because you said we're keeping both of them. Yeah. So so with that, each year, we'll do a review, and that Yeah. will I be say that's to what look you're saying. at Yep. yeah. That's a minimum to Yep. look at moving any funds over Yep. to keeping that $10,000 retention. If your employee comes back and then it sort of works out in your best interest still to retain CBAS for those insurance purposes there as well, there is the option to, you know, Yep. you can contribute to Pub twenty four and just look at, you know, reviewing that HE and making sure there's enough to cover their premiums because they're Yeah. not exactly Yeah. absorbent at the moment. Or, Yep. you know, you can do a mix of, like, contributing to hub or maybe sales backing Yeah. to, you know, Cbus so we can split it a number of sort of ways. Yeah. Yeah. Okay. It just depends on what you're comfortable with. But in that saying that, we are Yep. gonna recommend the opt in to those insurances and getting that form completed. So in the event that it does drop below to Yep. sort of a bit of a lower balance, they're not gonna just roll your fund to the ATO. It stays open anyway. That's all part of the implementation sort of process as well. Obviously, the recommendation at the moment is keeping CBAS once we sort of go through that. Yeah. And if you are happy with this recommendation, obviously, we can make a couple of adjustments based on sort of if you did wanna speak to your employer first and then sort of confirm that with this, we can change the recommendation to do transfer terms, things like that as well. Yep. But when you do move group cover as well, it does sort of restart the exclusion period. So given that you've had your C bus account for quite some time, if anything did come up, you know, in regards to, like, the blood pressure, things like that, that might be like an exclusion on policy loadings. It does sort of restart that exclusion period, whereas having that group cover now, even though it's not underwritten, it probably predates any sort of blood Okay. pressure or high blood pressure, which means it may be more claimable staying where it is, and that's sort of a benefit you might be giving up. That's a conversation we can have as well if you're sort of happy to restart that exclusion period.","start_word":2168,"end_word":2918,"sentiment":"neutral","sentiment_score":0.05966562971214797},{"text":"Yeah. Perfect.","start_word":2919,"end_word":2920,"sentiment":"positive","sentiment_score":0.5157167315483093},{"text":"But as far as the insurance side of things, just recommending retaining it for now and then establishing the beneficiary nominations, establishing Yep. a will, and then a power of attorney there as well. Yep. Now in regards to the next page, it's just the details about you. The Yep. page over is just your assets and liabilities there as well. So feel free to have a quick Yep. look over that. Make Yep. sure that is all correct.","start_word":2921,"end_word":2999,"sentiment":"neutral","sentiment_score":0.11991562694311142},{"text":"Pretty fast, anyway. Perfect.","start_word":3000,"end_word":3003,"sentiment":"positive","sentiment_score":0.46207547187805176},{"text":"When you do get down to page 10, you will see a risk profile. Now Yes. within regards to those questions that you did answer, you did come out as a more like high growth to aggressive investor. Yeah. Yeah. Now given the conversation we did have about your sort of position time to retirement and what you're trying to achieve, you were sort of more comfortable with just having a few defensive assets still, especially given Yeah. what is going on at the moment. So we did Yep. recommend going with the higher growth. It's around that ninety ten sort of split. Yeah. Yeah. With that, if that still makes Yeah. sense and you still agree with that one? Yeah.","start_word":3004,"end_word":3124,"sentiment":"neutral","sentiment_score":0.1406130492687225},{"text":"Yeah. Happy Perfect.","start_word":3125,"end_word":3127,"sentiment":"positive","sentiment_score":0.5026671290397644},{"text":"In regards to getting down to the strategy recommendation there, so it's establishing hub 34, the partial rollover from C Bus, investing your funds per the recommended investment, which I'll go over down a few pages there as well. Yep. Redacting contributions from employer to your making sure it stays in your your C Bus account for now and then maintaining Yep. your current salary sacrifice arrangement on the weekly Yep. 5% basis. Yep. Now as far as it's being in your best interest at the moment with the the EBA, it means you get to keep that fund. Also, if you could confirm if you do get any employer benefits by maintaining CBAS as well, we couldn't see any, but sometimes having an EBA just holding that fund, you do get an additional employer benefit by holding it.","start_word":3128,"end_word":3266,"sentiment":"neutral","sentiment_score":0.17281037258158485},{"text":"So if you could confirm that in addition to choice of fund, that would be great.","start_word":3267,"end_word":3282,"sentiment":"positive","sentiment_score":0.6578332185745239},{"text":"And then Yes. just shoot us an email. So at the moment, we're recommending just retaining that.","start_word":3283,"end_word":3299,"sentiment":"neutral","sentiment_score":0.26132142543792725},{"text":"And then by having the hub 24, not only do you have a retail platform that can sort of be more conducive with working with a financial plan in regards to strategies you can achieve by having the fund, a lot better reporting, a lot more access to investments.","start_word":3300,"end_word":3348,"sentiment":"positive","sentiment_score":0.4843275547027588},{"text":"I know we make the investment now, but it doesn't mean you sorta can't sort of have conversations in regards to including certain things or Yep. investments or being a bit more customizable to you.","start_word":3349,"end_word":3383,"sentiment":"neutral","sentiment_score":0.2308765649795532},{"text":"Obviously, this is sort of just a base portfolio that OPU Financial built. And sort of as you grow, as things change, and you wanna sort of adjust things as well, there is the option that you can sort of make those adjustments as well in addition to other things like pairing with IDPS accounts and things like that Yep. on the platform, which can lower administration fees, things like that as well and have all your reporting in in one place as it like a future benefit.","start_word":3384,"end_word":3471,"sentiment":"positive","sentiment_score":0.3739729821681976},{"text":"Yep. In addition to that one, you know, there are benefits in terms of, like, you know, your spouse. I'm not too sure. I can't remember what your your spouse does, but if she, I believe, was working well, we did just put the kids at the moment. But Yes. once she's working again and sort of wanted to to come on board, there is a couple speak at the moment, which That's reduces what I your was gonna ask her, but I was gonna wait till we finished. okay. Yeah. Not a She problem. asked yeah. She asked me before about it, but I was gonna wait till you but at the end, I'll ask her what we do because she wants to she's possibly gonna wants to roll her money over in with mine or ask you how that works as well. Yeah.","start_word":3472,"end_word":3616,"sentiment":"neutral","sentiment_score":0.05617260187864304},{"text":"In terms of, like, being able to conjoin the balances, you can't you can sort of have them on the same platforms for the benefit of it reduces administration costs. If you hadn't advised, it reduce your sort of ongoing costs with us as well.","start_word":3617,"end_word":3661,"sentiment":"positive","sentiment_score":0.41355055570602417},{"text":"Given that she is she's working part time at the moment. Yep. Correct? No. She's a stay Oh, at home well mom. done. Stay at home? Yeah. Full time. Yeah. Stay at home mom at the moment. She's she started she pulled out some a lot of years ago to bump some medical expenses. So she did that. So she only had a little bit of in there, but in the past probably six years, she's turned $5 into about 28 just by going high risk, low risk, and just sort of playing around with it. So she's got about 25 to $28 there sitting there. That she it's just literally just dwindling away with fees at the end of the minute because she's not obviously contributing. She contributes a little bit like a couple of dollars here and there just to keep it all open and keep it not chewing too many fees, but yeah. Yep. So one thing like, given that she's unemployed, so it probably wouldn't be best interest having an adviser fee attached. Yeah. One thing you could do in terms of, like, something that there is is there's the government co contribution scheme. Whereas if you contribute Yeah. a thousand dollars to a fund when you're not earning over, I believe it's 47 at the moment, maybe a little bit above that, That will Yeah. co contribute 50% of that. So when you put in a thousand dollars, you'll get 500 from the government, which means for putting in a thousand dollars, you put in 1,500 to be able to be Okay. invested and move forward. And then as I was sort of speaking in regards to before there is spousal contributions that you can do, that's Yep. a little bit different in terms of it doesn't, like, make you eligible for the government co contribution, but it means a bit of a tax deduction for you at the end of the the day there Yep.","start_word":3662,"end_word":3992,"sentiment":"neutral","sentiment_score":0.045808413901627966},{"text":"as well that you can claim.","start_word":3993,"end_word":3998,"sentiment":"positive","sentiment_score":0.3428499400615692},{"text":"And that's an option there as well. And then not that sort of we can build it into your strategy. I wouldn't sort of feel comfortable charging your partner a fee to be on board, and with that sort of smaller balance would Yep.","start_word":3999,"end_word":4042,"sentiment":"neutral","sentiment_score":-0.0922023355960846},{"text":"sort of impact it more than like you said, at the moment, it's still getting eaten away a little bit at at Yep.","start_word":4043,"end_word":4065,"sentiment":"negative","sentiment_score":-0.5129521489143372},{"text":"fees versus, you know, just doing a few things on on your end that can sort of help bump up her super just to make sure that it is growing to to some extent. Yep. Yep. And like you said, sort of, you know, you're a bit of a team at the end of the day, so it is sort of your supers, her supers if you're Yeah. We're thinking trying to be. Yeah. thinking long term. But as far as I can so can join the balance there as well, Yeah. Probably, it's not something that can be done in terms of, like, adding it to the the other, unfortunately, because Yeah. super Okay. is meant to be for you. Yep. Yep. Yep. And I believe let me just have a quick look at the spousal co contributions. Just have a quick look there. I'm just trying to remember the figures off the That's cool, man. top. I'm just sort of writing it down as we go and making a little dot point. So if you said so for every thousand bucks, I'll put in up to $500 or 50% up earning under 49,000. So as long as you if you earn over 47,000, it starts impacting the amount they'll co contribute. But as Is far that as for that her, though, like, her wage alone? They're not they're not gonna look at it as if my wage because we're combined outside, like, they do with tax and that, do they? No. I believe it's the individuals because of superannuation. Yep. So just Yep. Okay. let me just have a quick look. Doesn't state anything on the e a t o there. It's just sort of the requirements for a single there. And do we have to apply for for the government to do the 50% thing? No, sir. It's just based on your concessional contribution or non concessional contributions going in. And then with that so once you make the non concessional contribution to superannuation, you're let me just see what it actually states in terms of what when it does do it. Yes. I think it I believe it's when you lodge your tax return, the amount sort of will just be not that she's working at the moment. So I'll Yeah. just have That's to see what's if gonna you do serve have you to sort of point with the the logic tax return. so it's been a while since I've done it, so I'd have That's to double cool, check. man. I'll have a a look into it for you, and I'll get back to you Yes. in terms Yes, of, like, please. the It'd requirements. be good. I'll put a little email together just for the spousal and Yes. then Yes, also please. the government That'd be great. co con for you. Yep. Thank Because you. as I said, I know that the general figures, but when it comes down to the implementation, I'm a bit rusty in terms of, like, what That's it actually cool, is. man. So that's fine. We'll have a look into that there for you. As I said, that's something that doesn't you know, generally, like, we can put into a strategy, but if you're happy managing that yourself as well, it's more so Yep. for your partner anyway. Obviously, it does Yep. affect your your cash flow. But, you know, you do have a nice amount seeing offset and things like that Yeah. to Yeah.","start_word":4066,"end_word":4652,"sentiment":"neutral","sentiment_score":0.025300898649483868},{"text":"more It's than have it's enough.","start_word":4653,"end_word":4658,"sentiment":"positive","sentiment_score":0.37212511897087097},{"text":"not a big drama.","start_word":4659,"end_word":4662,"sentiment":"neutral","sentiment_score":0.0813690647482872},{"text":"Yeah. That's right. Perfect. In terms of, like, your salary sacrifice maintaining that, that's pretty simple in regards to growing you super early and getting it compounding. And given that you can't afford it, starting out, it's easy to get ahead of the curve ball now than later. You are locking that away, but given that you sort of are still in a surplus with that contribution, sort of good that you can put a little bit more in early.","start_word":4663,"end_word":4742,"sentiment":"positive","sentiment_score":0.584157407283783},{"text":"And then should you wanna look at sort of personal investment, things like that, or investment property, you can always stop it in future as well.","start_word":4743,"end_word":4768,"sentiment":"neutral","sentiment_score":0.2882343530654907},{"text":"At least you got a little head start.","start_word":4769,"end_word":4776,"sentiment":"positive","sentiment_score":0.5052509307861328},{"text":"Yep. You know, a dollar in the pocket sorta can be spent, whereas a dollar in your superannuation, the lease is invested for your retirement. Do you still think the 5% is the way to go, or do you reckon like, it it seems to work, but it's only because, like I said, forget it. Or do you reckon I should be better off, like, just putting a fixed demand every week? The 5% obviously is fine in terms of, like, it's, you know, it's just calculated on what you're earning if you are earning a little bit more. It also does Yeah. mean that you sort of, you know, it calculates per that, whereas you can sort of jump like, not that you're gonna jump an income bracket just based on the the amount you're sort of earning unless you do, like, a significant amount of overtime Yeah. additionally. So if you jumped up, like, 30, a 135,000, you might skip up to a tax bracket. So if you start doing snipping out of overtime, it might actually help sort of reduce that Yeah. as well. With that sort of calculating fully, it just sort of means that you'll keep you under that hovering even if you are doing a little bit more overtime. Yep. Yep. In saying that as well, if you sort of increased it any more and sort of wanted to do it, given that you wanna achieve some other, like, investment goals, things like that down the future, you don't wanna limit sort of what you're able to put away in savings Yeah. Yeah. or offsetting your your PPR there as well.","start_word":4777,"end_word":5053,"sentiment":"neutral","sentiment_score":0.13275303710453776},{"text":"Because you've got a nice chunk of have a good amount of equity. It probably isn't too long until you might be looking down that investment property route and sort of more equity you have in your home can sort of help you with that.","start_word":5054,"end_word":5098,"sentiment":"positive","sentiment_score":0.48847249150276184},{"text":"Yep. As far as the other recommendation to superannuation on page 13, you'll see that just retained at 10,000 in c bus, the insurances and your EBA currently, Yep. and then rolling around over to roughly the 157,000. Now after the fees and implementation cost of that upfront fee, you aren't charged the upfront fee again. It is just a flat fee. You just do get charged the ongoing in terms of, like, being an ongoing client. So around Yep. 152,000 and $557 will be invested after the fees come out in terms of the upfront advice, and then it would just go on, like, a monthly basis of you being an ongoing client.","start_word":5099,"end_word":5212,"sentiment":"neutral","sentiment_score":0.23010455071926117},{"text":"Yep. You can take advantage of the service sort of as much as you'd want with sort of quarterly updates, things like that as well.","start_word":5213,"end_word":5237,"sentiment":"positive","sentiment_score":0.4938693344593048},{"text":"As a minimum, it'll be, like, 12 monthly updates. Not that you Yep. wanna probably chop and change super too much, but in saying that as well, you can always give us a call if you ever sort of did something had any concerns or anything like that as well. Yep.","start_word":5238,"end_word":5288,"sentiment":"neutral","sentiment_score":0.21495471894741056},{"text":"Now with regards to recommendation, it obviously is in line with the investment style of what you wanna achieve. It's lower investment cost in terms of, like, the recommendation of the investments, which I'll go over in the next sort of pages.","start_word":5289,"end_word":5330,"sentiment":"positive","sentiment_score":0.41943302750587463},{"text":"It's in line with the great risk profile of being that high growth and bumping that up from what you're currently in. It's Yes.","start_word":5331,"end_word":5354,"sentiment":"neutral","sentiment_score":0.2668081521987915},{"text":"got huge investment menu on Hub twenty four and then being able to have, like, the choice of investment and some changes along the way and being more customizable for strategies. With that, the reporting is quite good in terms of you being able to monitor your super as well.","start_word":5355,"end_word":5404,"sentiment":"positive","sentiment_score":0.5838713645935059},{"text":"And then in regards to some additional features, Hub 24 has aggregate trading.","start_word":5405,"end_word":5417,"sentiment":"neutral","sentiment_score":0.2725118100643158},{"text":"In addition to that one, you'll also be an ongoing client with Oakview Financial to be able to sort of help you with your financial journey and sort of your views and sort of investments and things like that for the family and yourself as well.","start_word":5418,"end_word":5463,"sentiment":"positive","sentiment_score":0.42898890376091},{"text":"Obviously, in regards to the warnings there, there is always the potential growth that you may sort of forego given with how volatile the market is, especially at the moment.","start_word":5464,"end_word":5493,"sentiment":"negative","sentiment_score":-0.4045209884643554},{"text":"Yeah. Yeah. Once you sort of sell down to cash, there is a chance that it does jump a little bit or sort of drop a little bit in that time frame given that everything is going on with the war. At the moment, given that everything's sort of taken a bit of a dip, it's not too bad in the sense that you'll sort of sell low by low. If if Yeah. it does Yeah. jump up a little bit as well, it does sort of mean that you might forego a bit of that gain if that does occur, which isn't the worst thing in the world given your age. If you miss out on a few percent jump the next day, you know, things will probably change again Yeah. as well. Yeah. And there's sort of the one sort of key thing is investments. The one thing that isn't guaranteed with financial advice, unfortunately. You know, if you could get Yeah. guaranteed returns, everyone would obviously go with them. But 100%. as far as liability is concerned, obviously, we do the research. We back sort of what the portfolio is over the long term, things like that. But, you know, with Trump in Paris, well, especially no one knows what's happening tomorrow, let alone the financial It's markets too weird, in isn't five it? five to seven years here.","start_word":5494,"end_word":5725,"sentiment":"neutral","sentiment_score":-0.13548654317855835},{"text":"So bit bit harder to predict things these days.","start_word":5726,"end_word":5734,"sentiment":"negative","sentiment_score":-0.3528878390789032},{"text":"But in terms of the investment style and what we've got your investments in, which I'll go over there in a second, it should set you up nicely over a long term period.","start_word":5735,"end_word":5767,"sentiment":"positive","sentiment_score":0.3626337945461273},{"text":"We did also consider retaining SeaBus just rebalancing to your correct sort of asset allocation and risk tolerance. But given that you weren't too happy with it in the sense that you weren't happy really with the industry fund itself, it doesn't offer the range of investments you have on hub twenty four as well. Yep. And Yep. we also did consider a couple other retail and industry funds as well, but just based on sort of the overall cost and benefit that hub twenty four has, it just came out to be the better fund. Yep. We also did consider the full consolidation to hub and then doing the transfer terms as well. But with that knowing with payroll, with that EBA, we're just stuck with what the EBA stated. Yep. Want to sort of confirm that we can look at updating that and amending your SOA in the future, sort of change that as well, and then just discussing what you'd be foregoing if you did transfer that group cover over as well. Yep. In addition to the fact that although the insurer MetLife that we did recommend did state standard terms, just based on sort of your occupation, the the risk is higher in terms of them sort of coming back with something else where it may be more costly or something that they didn't disclose previously even though they stated standard terms.","start_word":5768,"end_word":6003,"sentiment":"neutral","sentiment_score":0.0055490476079285145},{"text":"So that's just something that we're a bit wary of as well in terms of before we're looking at getting rid of that group cover as well.","start_word":6004,"end_word":6030,"sentiment":"negative","sentiment_score":-0.4499339163303375},{"text":"If you look on page 16, you will Yes. see the investments that we are recommending. Now these are all Yep. Australian listed ASX investments that you can invest in. There is links in the appendix as well that you can have a look at all these investments where they're at. The Are service you?","start_word":6031,"end_word":6085,"sentiment":"neutral","sentiment_score":0.10080897808074953},{"text":"security side of things has taken a bit of a dip recently.","start_word":6086,"end_word":6097,"sentiment":"negative","sentiment_score":-0.3805782198905945},{"text":"That's just AI in general. It did take a bit of a dive this year. But then you'll have some exposure across Europe, Japan, the all world excluding The US because you do have a core portion listed in the S and P 500, Yeah. which is the top 500 in America. Yeah. Yeah. You'll also have the Australian 200, which is a key another key component of the Australian 200 listed companies. And then you'll Always have wanted some to invest in in that. the Australian 200. Yeah.","start_word":6098,"end_word":6186,"sentiment":"neutral","sentiment_score":0.03698273287730271},{"text":"Like, that's x 200 in that just because they reckon the growth over the last twenty five years has been outstanding.","start_word":6187,"end_word":6207,"sentiment":"positive","sentiment_score":0.5196858644485474},{"text":"Just like it it never really It goes down, but it's always just progressively going up and up and up. You know? Yeah. And, look, we did sort of consider active management as well.","start_word":6208,"end_word":6241,"sentiment":"neutral","sentiment_score":0.15960069000720978},{"text":"But like you said, with the way the industry funds index funds, sorry, are, like, performing over the last five to ten years has been really good in terms of growth.","start_word":6242,"end_word":6272,"sentiment":"positive","sentiment_score":0.3670903146266937},{"text":"It is Yep. a lower cost. And given that you weren't sort of too fast on trying to outperform the market, especially with what was going on, it's a lot harder to pick and choose winners, especially, Yeah. Yeah. you know, with the volatile market, it is a point for where fund managers actually can find gaps in the market and do really well, Yeah. but it also can go the opposite where, you know, Yeah. Yeah. if you're picking winners, it's like going down to the the horses there, you you're going great. But if you're picking all the losers, suddenly, you're you're down $10 and Yeah.","start_word":6273,"end_word":6380,"sentiment":"neutral","sentiment_score":-0.0950235053896904},{"text":"you're not so happy.","start_word":6381,"end_word":6384,"sentiment":"negative","sentiment_score":-0.48525989055633545},{"text":"Yep. This is a more balanced diversified approach that you not only sort of, like, split across different geographical locations, but within that, you'll have different industries in those ETF funds there as well. Plus that defensive portion of a bit of gold, which is sort of considered a growth asset still at the moment, and that's the way that viewed it. When the Yes. market sort of take a bit of a dive, it does still sort of negatively correlate and generally go up, which is why it can be considered a bit defensive. And then you'll have your core composite bonds, which are just a defensive portion in their own right. And then there'll be a minimum cash holding that hub twenty four does hold. And that's the sort of breakdown of the investments that we are recommending. Did you Yep. have any questions in regards to those at all? No. I'll Not really, man. It's a bit above my do. my thinking, But it Yeah. it looks it looks I mean, I trust this. Trust this. Yeah. Oh, True. no problem. As I said, in terms of, like, risk, you are in a high growth portfolio as you do have, like, the allocation to growth. But as far as, like, manager risk and things like that, you don't typically hold that just due to the fact that you don't have any fund managers that make those changes. It just changes Yes. on what the markets are actually doing. So if a company does really well, it makes into the top 200 in Australia. You hold that share. If it falls out, you lose that share. So it's a little bit dynamic in that sense, but you're definitely not trying to pick and choose those winners, which means you only ever do sort of as good as these markets do. You can't outperform those markets. But Yep. over a long period of time, you know, even some funds, they might do well for three to five years and they might drop off.","start_word":6385,"end_word":6728,"sentiment":"neutral","sentiment_score":0.035393411531871144},{"text":"They'll have some bad years.","start_word":6729,"end_word":6733,"sentiment":"negative","sentiment_score":-0.36165446043014526},{"text":"You have a lot more volatility. And over a long term period of time, index funds generally do outperform a lot of those managed funds anyway. Just purely for the fact that, yeah, they get that sustained long term growth. On page 17 there, Jesse, you will see that the risk profile is around the ninety ten. The way your portfolio will be, you'll be slightly more invested in growth assets, and that's purely because they're considering gold to be a 100% growth at the moment, an alternate Yep. growth asset. And then in saying that the defensive and fixed interest side portion make up the rest of the defensive portion there as well. Yep. Like I said, you can sort of split gold up a little bit, whether it's sixty forty, fifty fifty. Gold is at the moment that I feel classified as a growth asset. Doesn't mean it doesn't still act in some instances as a defensive asset for you as well. K. On the next page over, you will have your illustration of the fees that come out there and also the projections of growth on the page over. So Yes. in terms of the split, obviously, you will pay a little bit more in terms of administration costs with the retail platforms due to the reporting features and other features you do hold and Yeah.","start_word":6734,"end_word":6962,"sentiment":"neutral","sentiment_score":0.14905354143100014},{"text":"the flexibility of those funds. In terms of investment costs and overall investment costs, that will come down. In terms of other fees, that will drop as well. The majority of the the fees come from obviously having an adviser and additional insurance costs. And then with that as well, with the increase of the higher growth, the better performing history of those rolling averages there as well, it should, over the long term period, still put you in a better position by having Yep. someone to sort of assist you on your financial journey in addition to additional insurances to to risk mitigate there as well. And then being able to build strategies for the future as well and taking advantage of that service, which is the cost you do pay by having an adviser as well.","start_word":6963,"end_word":7100,"sentiment":"positive","sentiment_score":0.4892512559890747},{"text":"Yeah. Yeah. You can see just based on that, I'm not too big a fan of projections anyway because, like, no one knows as what the the market's gonna do in five to ten years' time, Yeah. but Yeah. it just Exactly. shows you based Yeah. off previous figures of that five to ten years what it might look like if everything replicated, which it won't. And then with that, you can sort of see just the past history of your current fund. Obviously, it is less risk because it is more of a balance sort of or a growth or ish option in your CBAS. But as far as the recommended portfolio, it's in line with high growth.","start_word":7101,"end_word":7219,"sentiment":"neutral","sentiment_score":0.04109438508749008},{"text":"You can see a like for like in the appendix of a a balanced growth to a balanced growth and then also the the high growth to the high growth within CBAS and their options as well and how that performance does fare up against the portfolios that we are recommending for you.","start_word":7220,"end_word":7272,"sentiment":"positive","sentiment_score":0.35087841749191284},{"text":"Now do you have any questions in regards to any of the the superannuation strategy or the retention strategy for that at the moment there, Jesse? No. Not really, man. Things pretty close to the door.","start_word":7273,"end_word":7308,"sentiment":"neutral","sentiment_score":0.002542436122894287},{"text":"Perfect.","start_word":7309,"end_word":7309,"sentiment":"positive","sentiment_score":0.390993595123291},{"text":"As far as the insurance section there on page 20, you'll be able to see there that we are recommending just retaining that fee bus policy for now and the cost of that one, so around $681 Yep. per annum. Yep. Then we're recommending a MetLife policy of a hun 1,000,000 of life and total permanent disability, which comes out to get Yep. a premium of around 1,080 after the 15% rebate being inside super. So it's close to around the 1,300 mark before that. But being in super Yep.","start_word":7310,"end_word":7399,"sentiment":"neutral","sentiment_score":0.15988576412200928},{"text":"environment, you get a bit of a discount, which is fantastic.","start_word":7400,"end_word":7410,"sentiment":"positive","sentiment_score":0.4468322694301605},{"text":"And then we're also recommending a 100,000 of a life link with trauma policy outside of super. Now Yep. that is $22.92 a month. But within regards to that one as well, we have included the family extras or child extras on that one. Now in K. the PDF, you can have a look on that and what that means, but, basically, it covers all three of your children for a number of conditions if that was to incur under the age of 16. So it's a bit of an out of child benefit. So if any of your children are diagnosed with certain types of cancers like Crohn's, cystic fibrosis, or, like, the death of a child, you know, knock wood, no one wants anything Yeah. bad to happen, but it can cover up to 10% of, like, your policy, which would be around a $10,000 benefit if they were sort of diagnosed with any of those sort of conditions Yep. that are listed under the child covers extra. So feel free to have a look in the PDF and what that means. But with that, you're not only covering for your own traumatic events and the trauma conditions for yourself, it also covers for a number of conditions for all of your children, Yep. whether that's the ones that you hold currently or if you have another one in the future there as well. Will that It come covers out of my super as well, that monthly premium, or is that that I've got that's a a bucket one. that's the out of pocket one if you did Yep. wanna take that one on. Yep. And then with that, that covers for for traumatic events for yourself there as well in the event that sort of you're diagnosed with certain traumatic conditions like heart attack, strokes, those sort of things.","start_word":7411,"end_word":7722,"sentiment":"neutral","sentiment_score":0.07601045759824607},{"text":"And out of all the insurers, MetLife actually really does have a good trauma policy in terms of, like, conditions and being diagnosed with conditions. So Yeah.","start_word":7723,"end_word":7749,"sentiment":"positive","sentiment_score":0.4598558843135834},{"text":"they call it, like, buckets where if you do claim on a condition, you can reinstate your cover. And as long as it's nothing related to that condition specifically, say you had a a cancer, you got paid out your 100,000, you reinstate your policy there through the trauma reinstatement, come down, you know, another twelve months, you have a heart attack, it means you can claim on that policy again and get another 100,000.","start_word":7750,"end_word":7824,"sentiment":"neutral","sentiment_score":0.20370754599571228},{"text":"So it does cover for multiple conditions, and I believe with MetLife, you can do that Okay.","start_word":7825,"end_word":7841,"sentiment":"positive","sentiment_score":0.33517104387283325},{"text":"up to four times for specific conditions. Obviously, ones Yes. that are closely related, it might not, but in saying that, it is a lot sort of a lot of comprehensive policy. So feel free to have a little squeeze in the PDF of what trauma cover actually does cover before you do make a decision. Obviously, if you don't want it, we can sort of get rid of it and you don't have to pay it. Yep. That it is one of those covers that is the more claimed on covers.","start_word":7842,"end_word":7933,"sentiment":"neutral","sentiment_score":0.12647904455661774},{"text":"And then it does cover quite a number of conditions there as well for yourself.","start_word":7934,"end_word":7948,"sentiment":"positive","sentiment_score":0.3721812963485718},{"text":"Now as far as that being in your best interest there as well, by having not only the CE bus and your your CFMU benefits with the income protection and that MetLife policy, it does bring a cover up quite a degree than what you currently have. If you just Yep. look at replacing, you know, seven point five years of your income replacement plus your debts minus superannuation, it comes to about a mill of cover. Then in Yes. addition to that one, you'll have the life and TPD in CBUS as an added Yep. benefit. And then with that, any CFMEU benefits you hold for, you know, I know they do certain death benefits on the job, out of the job, broken injuries, things like that as well, which can be sort of seen as, like, some form of trauma cover as well. So Yep. feel free to weigh it up. I know sort of the listed conditions, there was too large in terms of what the CFMU insurance benefits and what you caught up what they do cover for across, like, on the work versus out of work versus, like, what's linked with work cover and what isn't. Yep. But feel free to have a review of those and see if you feel like the trauma and cover does benefit you there as well. But as I said, it does cover your children and then also MetLife insurance itself, not just limited to the trauma cover.","start_word":7949,"end_word":8197,"sentiment":"neutral","sentiment_score":0.08787743002176285},{"text":"They do have three sixty health, which gives Yep. you access to a wide range of of health services that can support not only yourself, but your family there as well. You know, if your sort of partner was looking for additional support and sort of things as well, they're quite good in terms of some of the services they do offer under MetLife, which is nice. Now with that with the flexible sort of arrangement of payments and how you are paying for that, it does mean that sort of majority of it is funded through superannuation. And given that you're contributing well, earning well, it means that that covers a lot of those premiums.","start_word":8198,"end_word":8313,"sentiment":"positive","sentiment_score":0.4680061638355255},{"text":"That one out Yep. of pocket portion obviously isn't out of pocket and does affect cash flow.","start_word":8314,"end_word":8330,"sentiment":"neutral","sentiment_score":-0.00027716936892829835},{"text":"And then you have your CFMEU benefits with through your union membership there as well, which is quite nice.","start_word":8331,"end_word":8349,"sentiment":"positive","sentiment_score":0.6493543982505798},{"text":"And it means you don't have to pay for income protection through either your super out of pocket because that is the more costly insurance anyway, Yep. if that makes sense. Yeah. Yeah. Now, obviously, the advantages and disadvantages of that is, obviously, you'll have a retail policy for the life and TPD. Not so much the life policy because life is life, but the total permanent disability, you'll have a more comprehensive insurance policy as opposed to the group cover. And then you'll be able to have a nice sort of weighting of the the premiums from inside versus outside. You can see on page 24 of the current versus recommended versus non insurance and what that sort of looks like in terms Yes. of, like, a dollar figure and sort of the cost of that. So combine that of your superannuation, it's around $1,700 and 60 Yes. $1,762 in terms of, like, a fee you're paying out of it, which given your your income and how much you are contributing, it's not too high at all. Generally, we don't wanna go above 30% of contributions and yours is well below that, which Yes.","start_word":8350,"end_word":8544,"sentiment":"neutral","sentiment_score":0.1739446073770523},{"text":"is good.","start_word":8545,"end_word":8546,"sentiment":"positive","sentiment_score":0.4551616907119751},{"text":"Obviously, the risks are you always have to meet the definitions under retail policies even though they're underwritten in terms of being able to make a successful claim. In regards to group policies, obviously, it's underwritten at the time of claim, not through the underwriting process when establishing the policy. So there is the risk they'll decline the claim anyway in regards to conditions that predate the fund all those group insurances there as well. Now we did consider a few alternatives in regards to different insurers and level premiums. It just worked out that MetLife was the best in terms of, like, cost and not only the the pre assessment that we did conduct in terms of their Yes. offering. Obviously, you know, it does come down to underwriting and what you do disclose at that time as well.","start_word":8547,"end_word":8686,"sentiment":"neutral","sentiment_score":-0.015600429847836494},{"text":"But they did come back with standard rates, which is nice in terms of cost as well as why it's so low.","start_word":8687,"end_word":8708,"sentiment":"positive","sentiment_score":0.410699725151062},{"text":"Obviously, if it does sort of come out to be a bit different, we'll address that and sort of have a conversation around how you wanna proceed with that as well. We did also consider having a greater amount with Life and TPD with MetLife and canceling your C Bus insurances. Yep. But just given, you know, the just the blood pressure and the occupation there currently, it may result Yeah.","start_word":8709,"end_word":8779,"sentiment":"neutral","sentiment_score":-0.09892260283231737},{"text":"in some form of unfavorable terms even though they stated that it won't through the blind pre assessment.","start_word":8780,"end_word":8797,"sentiment":"negative","sentiment_score":-0.545694887638092},{"text":"Once Yep. it sort of comes through that as well, we can sort of have a discussion around either sort of consolidating once you speak to your employer on that as well and even looking at certain increases down the track. They do do life increases as well. So if you now have other children, things like that as well, you can look at increasing the policies without underwriting. But Yep. even without that and just taking into consideration seven point five years income replacement, your superannuation, a million dollars worth of cover does cover the debt and that income replacement. You obviously could look to do a bit more, but given that you're earning income quite quite nicely and paying down your debt quite quickly, if anything, you're becoming more self insured more than you're requiring more cover. So as you do get older, pay down those debts. If anything, you're reducing the amount of cover you need. So it's just a trade off between cost and actually cover requirements. Obviously, if you did TBD tomorrow, it's probably not the most ideal in the sense that you don't have to earn income ever moving forward, but a million dollars is a nice amount to sort of Yeah. pay down those debts and have it invested to be able to earn some form of income moving forward as well. It's not like you're gonna go to Vegas and put it all on black. It's something that you can be utilized to, you know, invest for the future as well. Now do you have any questions in regards to the insurance recommendation there at all, Jesse? No. Not really, man. I'm just sorta yeah. Yeah. I'm Obviously, pretty take yeah.","start_word":8798,"end_word":9086,"sentiment":"neutral","sentiment_score":0.05673406273126602},{"text":"Pretty happy with everything so yeah. far. Pretty much, man. I know.","start_word":9087,"end_word":9098,"sentiment":"positive","sentiment_score":0.5990551710128784},{"text":"There's not much crazy to me.","start_word":9099,"end_word":9104,"sentiment":"neutral","sentiment_score":0.21044449508190155},{"text":"I'm pretty happy No. with what you're just doing and what you just come across within that.","start_word":9105,"end_word":9121,"sentiment":"positive","sentiment_score":0.479488343000412},{"text":"You know? So I'm not gonna complain or I don't really have many more questions about it.","start_word":9122,"end_word":9138,"sentiment":"neutral","sentiment_score":0.25894850492477417},{"text":"It's what whatever is happening now is gonna be better than what I was getting.","start_word":9139,"end_word":9153,"sentiment":"positive","sentiment_score":0.5921933650970459},{"text":"You know?","start_word":9154,"end_word":9155,"sentiment":"neutral","sentiment_score":0.25332850217819214},{"text":"Yeah. And it's quite flexible in the sense that, like, obviously, once you're on board to there's no sort of limit into what sort of like, how much advice you can receive in regards to moving forward with your life changes there as well.","start_word":9156,"end_word":9199,"sentiment":"positive","sentiment_score":0.443839430809021},{"text":"Obviously, the Yep. most significant front cost does come up front, but then from that, it's just your ongoing, like, review of sort of managed funds.","start_word":9200,"end_word":9225,"sentiment":"neutral","sentiment_score":0.20152348279953003},{"text":"And you can sort of bring up anything as you go each year as well and as you sort of grow as a family and things like that as well.","start_word":9226,"end_word":9255,"sentiment":"positive","sentiment_score":0.4072597026824951},{"text":"And if your wife were to start working, were to come on board, things like that as well, it'll be, you know, future considerations there for you. Yep. The the rest of it's quite simple in terms of the will. So it's quite simple in terms of establishing a will with a a lawyer. We can provide some just general information for wills and estates if you'd like from a Yes. local solicitor. That is just a trusted partner for joint and sort of wheels. And the cost of that one, obviously, the advantages if something were to happen, it just means that if you use it in conjunction with, like, power of attorney and, like, the advanced health care directives, you know, if something were to happen to you where you can't sort of, you know you're incapacitated, they can make decisions for you financially. They don't need to go to the courts or anything to be able to make certain changes, Yep. but things that are sort of joint in terms of, like, you having to sign off on it as well. In regards to that, it's sort of, you know, you can sort of state certain things in regards to health and how you'd like to go about things, whether you're the pull the plug kind of person or not. It does take a lot of those decisions out of family members' hands in a time where they might not feel like they can make those sort of decisions as well. It's a lot of stress at a time when they probably don't wanna be doing it as well. So it can help Yep. if you sort of preemptively put those down. In terms of, like, the beneficiaries, we are recommending to just put your spouse given that she's the primary caregiver for your children for a 100% binding, non lapsing for that. So that just means that it won't change unless you change it. It won't lapse unless you sort of will go in and sort of wanna be able to change it to something else. If you do lapsing it every three years, you gotta update it. And if you do just a general sort of nomination to the fund, it just means that they can pick and choose who they actually wanna give it to, and they might choose the kids over your partner as well or do a split. Yep. And, you know, your superannuation money and sort of insurance proceeds aren't gonna do much of a benefit to your children if they're unable to, you know, speak and talk yet, let alone sort of pay for for bills. So with that, in addition to that, your spouse is a 100% independent, which means they'll receive those funds tax free as well as opposed Yep. to, like, children over the age of 18 get taxed. If it goes to the state, there's certain taxes there as well.","start_word":9256,"end_word":9749,"sentiment":"neutral","sentiment_score":0.1647654388114991},{"text":"So given it's your spouse, they'll receive it a 100% tax free, which is fantastic. Obviously, not fantastic that you go on, but fantastic that they don't have to worry Yeah.","start_word":9750,"end_word":9780,"sentiment":"positive","sentiment_score":0.5383719801902771},{"text":"about additional taxes. Do you have any questions in regards to that estate planning side of stuff? I'm obviously mindful not to take up all of your afternoon, but Yeah.","start_word":9781,"end_word":9810,"sentiment":"neutral","sentiment_score":0.0440409779548645},{"text":"That's cool, man.","start_word":9811,"end_word":9813,"sentiment":"positive","sentiment_score":0.6007778644561768},{"text":"I'm I'm yeah. No.","start_word":9814,"end_word":9817,"sentiment":"neutral","sentiment_score":0.15627096593379974},{"text":"It's all good. it is quite perfect.","start_word":9818,"end_word":9824,"sentiment":"positive","sentiment_score":0.5863553881645203},{"text":"Obviously, feel free to have a bit of a read through the advantages, disadvantages of that. Obviously, setting up a will does come at a cost, same with sort of organizing power to any things like that. But once it's done, Yep. you've only sort of got a review and update versus not having anything in place and, you know, leaving it up to the courts and family sort of Yep. fighting over what's left. In regards to the remuneration, we get, like, obviously, the startup fee, which is 3.3% of your super pardon me, balance, which is $4.09 $5.00, so $4,950. And that's the one lump sum upfront. That's for putting the advice together, implementing it, going through those implementation steps with you. That's sort of what that covers. Obviously, you don't get charged anything up to the point you were to sign if you were happy with everything. And then Yep. with the MetLife policy, we do get 66% of the premium. Now with that one, it's not an additional cost you pay. It's just what we get from the insurer that's setting up the policy, doing that work. And then ongoing, we do get 22% of the trailing commission for monitoring and maintaining that policy. And Yep. then the adviser fee is 1.65% ongoing in terms of, like, the funds under management and being able to have access to the ongoing client services of Oakview Yeah. Financial, if that makes sense. No, Yep. Do you have any concerns or questions in regards to the fee or the remuneration or what we get or what it's for? man. It's it's yeah. You gotta pay. You gotta pay.","start_word":9825,"end_word":10103,"sentiment":"neutral","sentiment_score":0.1222331002354622},{"text":"It's all good.","start_word":10104,"end_word":10106,"sentiment":"positive","sentiment_score":0.4192660748958587},{"text":"Yep. Not a problem at all. In terms of, like, the next steps on how to implement, obviously, if you were happy with the advice, you would sign the document from there, Oakview Financial. Obviously, there's the application in there as well for Hub twenty four if you were happy with that.","start_word":10107,"end_word":10158,"sentiment":"neutral","sentiment_score":0.2173525089254746},{"text":"They would submit that for that request of funds from CBUS to start that.","start_word":10159,"end_word":10172,"sentiment":"positive","sentiment_score":0.3446296155452728},{"text":"They'd get you booked in for the personal statement for those MetLife insurances to set up for those amounts. Obviously, you have a think about it in terms of, like, if those are the amounts you're happy with. And even if you did sign tonight, you can go ahead. Once it goes to application change and change some figures, we can just do a record of advice to change that for you, whether or not Yes. you wanna do that trauma or not. And then in regards to the beneficiary nominations and setting up a will, obviously, that's up to you. We'll follow you up in terms of giving you the forms and things like that, but I can't force you to fill out your beneficiary forms, and I can't drop a will for you, unfortunately. Yep. I can sort of give you sort of general advice on sort of how you can structure wills and things like that. But given, you know, you got a quite nice family structure, it mostly would probably go to spouse and children. And Yeah. then Yeah.","start_word":10173,"end_word":10355,"sentiment":"neutral","sentiment_score":0.14195747673511505},{"text":"that's that's quite as simple as it it gets really.","start_word":10356,"end_word":10365,"sentiment":"positive","sentiment_score":0.5013012290000916},{"text":"But do you have any questions in regards to implementation, anything like that, or questions in regards to any of the document or anything we covered today? Not really, man. I'm yeah.","start_word":10366,"end_word":10397,"sentiment":"neutral","sentiment_score":0.07562685757875443},{"text":"Not a problem, Jesse. Obviously, you know, if you were happy, you would sign, and let me be the first to sort of welcome to the OPU family if you were happy with everything to come on board.","start_word":10398,"end_word":10435,"sentiment":"positive","sentiment_score":0.5601288676261902},{"text":"Don't feel pressured to to sign. If you if you don't want, you can have a read through it there first, but the team will probably reach out tomorrow or the next day just to see if you do have any questions. I wanna get booked back in for another chat there Yep. as well No. So if I was so if I just take it away and just have a bit of a a bit more of a thorough read, obviously, me pardon me, wife have a read of it too and see if she's happy with it for all. you. Do I just come back into this document and sign it? And then but, obviously, just double checking too. You need a few things as well from me. You obviously need you said you want a letter from the payroll just to just double checking. That you obviously need that before we can move ahead, Daniel. No. That one's fine because the recommendation currently is retaining that c bus. So that's like a future consideration thing. So as far as, like, the advice piece today, whether or not you had that letter is fine. There are girls in implementation. Once you did sign the document, it would reach out. They would get your I ID. Obviously, if you wanna send that through and you plan on signing, you can send that through preemptively as well because we're gonna make sure you pass through your AML requirements for anti money laundering, things like that as well. Yep. And Yep.","start_word":10436,"end_word":10695,"sentiment":"neutral","sentiment_score":0.03186111318377348},{"text":"then those girls will also you know, they're they're quite nice.","start_word":10696,"end_word":10706,"sentiment":"positive","sentiment_score":0.455728679895401},{"text":"They're they're nice to me as well, but they'll hold your hand through the whole process there, get That's you booked right. in for your personal statement. There's no stupid questions, and and, you know, there's it's sort of one of those things that is sort of a big step for a lot of people that haven't sort of taken an undertaken financial advice before. So it is a lot of things that are different in you. So ask as many questions as you want. Call up as Yep. much as you want.","start_word":10707,"end_word":10799,"sentiment":"neutral","sentiment_score":0.14776629209518433},{"text":"Hug them as much as you want. They get paid to to answer all your questions. So feel free to to go ahead. Yep. And if you wanna have a chat with me as well, I'm more than happy to have another chat as well for you.","start_word":10800,"end_word":10846,"sentiment":"positive","sentiment_score":0.5120124220848083},{"text":"Yeah. Okay. Not a problem. But do you have anything for me before I let you go this afternoon to go and digest some of that information there for you, Jesse? Not really, man.","start_word":10847,"end_word":10880,"sentiment":"neutral","sentiment_score":0.05478171193424393},{"text":"I think you've been a stunning great job.","start_word":10881,"end_word":10888,"sentiment":"positive","sentiment_score":0.6097568869590759},{"text":"Not Yeah. a problem I'll just at all. have I'll just have a bit of a read through it, man, and just send them to work and see what if she still thinks it's a it's obviously gonna be better than what's happening with. Like, it sounds like a hell of a lot of a better plan. Yeah. And then Yeah. with that, like, even though that, like, returns aren't guaranteed, but the one thing you will have is a service at the end of the day that you can ask all your questions for as well. Yeah.","start_word":10889,"end_word":10986,"sentiment":"neutral","sentiment_score":0.15697385370731354},{"text":"That's what I like about it, man.","start_word":10987,"end_word":10993,"sentiment":"positive","sentiment_score":0.37039270997047424},{"text":"It's not just about super events. Like, at the moment, it's about super, but, eventually, there's gonna be more down the line that I wanna know about. And, like I said, you're best and, Yeah. you know, maybe put them in one here.","start_word":10994,"end_word":11036,"sentiment":"neutral","sentiment_score":0.24614542722702024},{"text":"And that's that's sorta like that's why I'm sorta happy to go, which is for that Yeah.","start_word":11037,"end_word":11053,"sentiment":"positive","sentiment_score":0.3879791796207428},{"text":"reason. Yeah. And then sort of once the upfront's paid there as well, which is the additional sort of big fee, it is just the ongoing management. And if the, like, performance does sort of keep track with what sort of was recommended in the markets are doing well, then that helps pay for that fee in addition to you know, you can take advantage of that service to implement sort Yep. of more advice down the track as well and keep you updated and sort of keep on top of you a little bit. I know for some people, it's a little bit out of sight out of mind, but when someone's calling you, bugging you about it every twelve months to have a conversation, it sort of, you know, keeps you on top of it a bit more as well. Yeah. That's fine. I understand. No problem, Jesse.","start_word":11054,"end_word":11203,"sentiment":"neutral","sentiment_score":0.17497357726097107},{"text":"Well, I'll let you get back to your afternoon, get back to the the kids, enjoy some dinner.","start_word":11204,"end_word":11221,"sentiment":"positive","sentiment_score":0.3910873830318451},{"text":"And then, yeah, any questions? The girls will probably reach out tomorrow the next day just to see if you do have any questions. But other than that, Yeah. I'm sure we'll be talking soon in the future as well.","start_word":11222,"end_word":11261,"sentiment":"neutral","sentiment_score":0.23778702318668363},{"text":"Alright, man. Thank you very much. No problem at all, Matt. You enjoy the rest of your Appreciate day. Thanks it. for Have your a chat. good day.","start_word":11262,"end_word":11289,"sentiment":"positive","sentiment_score":0.6468269228935242},{"text":"Bye. Bye.","start_word":11290,"end_word":11291,"sentiment":"neutral","sentiment_score":0.2896449863910675},{"text":"Cheers.","start_word":11292,"end_word":11292,"sentiment":"positive","sentiment_score":0.5754105448722839},{"text":"Bye.","start_word":11293,"end_word":11293,"sentiment":"neutral","sentiment_score":0.3023305833339691}],"average":{"sentiment":"neutral","sentiment_score":0.12140039518381128}}}}