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Is now a good time there for you? Yes. Yep. Fantastic. Do you happen to have access to your emails there this afternoon as well? Yep. Beautiful. I'm just gonna send you through an email just with the details there. Just generally easy if we sort of go through things and you're able to see what I'm talking about. While that's coming through, I just need to let you know moving forward, we do do sorry. We do record our calls for quality and training purposes. Are you happy for me to proceed with that? Yep. Beautiful. And then just to do security there with you as well, we are discussing your personal information. So I'll just get you to confirm your full name, your date of birth, and address I should have on file. Yep. Beautiful. Thank you so much for that. I've just sent that email through to you there, Sean. Now your email address I have is seanmuley@y7mail.com. Is it still the same? Perfect. So sorry. Hopefully, it should come through fairly quickly there for you. If it doesn't, that is absolutely okay. Did you have some that's okay. That's alright. Did you happen to get some time off over Christmas, have a bit of a break? Yeah. Fantastic. Yeah. No. Fantastic. That sounds that sounds great. Are you gonna travel or do anything fun or just have some downtime at home and traveling? Yeah. Perfect. Yes. Fantastic. And then straight back to work after the four months off, you're just taking the the long service leave for a bit of yep. Back to reality. That sounds I mean, it could be really good. It could be really difficult at the same time. Yeah. Absolutely. Well, I hope you have an amazing time traveling. Do you have a plan on where you're going to or what, you know, what you're gonna see? Or Fantastic. Yeah. And yeah. A lot of driving, but, no, that'd be amazing, all the things you can stop and see along the way. I'm all about traveling. I love it. I think it's great to go out there, see things, see experiences, make it well worth it. Yeah. Perfect. Alright. Absolutely. Definitely. Has that email popped through there at all? Perfect. All good. So on the first page of the document there, when it opens sorry. My throat's a little bit sore this afternoon. If I do take a break, I do apologize. All good. Sean, this has been prepared by yourself. It does say statement of advice under Oku Financial has been prepared by myself, Dana Taylor. I'm an authorized representative under Oku Financial. Our Australian financial services license number is 513068, and the registration number with ASIC for myself and my registration is 1304394. This advice is dated valid for sixty days after the date on the front of the document there and has been provided in your best interest. So we obviously did your annual review last year. We wanted to sort of update the advice to reflect changes in your circumstances. You wanted to have a bit of a look at some life and CBD cover and also look at maybe going into a high growth portfolio to see what that can do for you. So this is the document to outline that nice and easily for you. I'll run through the recommendations touching on the points that I need to, and then I'll let you go back to have a read through at all. It's a lot to take in when I'm talking. That's why we'd like to have you look at it at the same time. Because if I'm just telling you all the bits and pieces, sometimes it feels like I'm talking at you. So I don't want that. Make it nice and easy so you can take it all in, have a read through, and then let me know whether you're happy to take those recommendations on. Okay? Perfect. Down now on page number three, you'll notice we have the scoping of the advice. So the areas of this advice document that we have scoped in to make recommendations on our superannuation. So we're working towards your long term retirement goal of being able to retire around about the age of 60. We're looking at the insurances. So you do have some insurances through your employer, but you wanted to look at some life and TBD just to make sure that you did have something outside of super that was also just important for you to cover what you needed it to. And then we've also got your estate planning there as well. So whenever we are making a recommendation around superannuation or around insurances, we do like to make sure the estate planning is also scoped in to make sure that beneficiaries are updated correctly. Okay? Perfect. If you scroll down, sorry, to page number seven, this is the about you section. If you just scroll your eyes over, that's the information that we were able to collect at our last catch up. Not sure if anything major has changed there. If you can just run your eyes over that one for me just to let me know if there are any major changes at all since we last caught up. Oh, I'm sorry. Sorry. No. That's okay. I will it doesn't affect the advice at all, but I don't wanna have that wrong. Did you want me to go back and update that before you sign this? I do not mind at all. That's okay. Oh, sorry about that. My apologies. All good. The next page outlines your current assets that we did have noted down at the last annual review. If you're running your eyes over that one, would you change any of those values majorly? I know your mortgage, hopefully, has decreased a bit since we last caught up there, but is are there any major changes that you would like changed in the back end for any of these? Yep. That's yep. Absolutely. So an investment property now. Not a problem at all. And when did you purchase that one? August? Beautiful. Lovely. Excellent. And what sort of value would you put on the property there at the moment? Yep. Yep. Perfect. Beautiful. And do you remember what the loan might be that you have owing on that one at the moment? Yep. Perfect. Yep. That's okay. And did you happen to use equity from your main primary residence to purchase the property? Like, has your PPR loan increased at all from that one at all? Mhmm. Yep. Yep. Yep. And then you've got your main primary residence loan there as well as a separate one? Yep. Okay. Perfect. Yep. Yeah. Perfect. No. I understand that. Easy. You got your what your main primary residence, the equity loan, and then the investment loan all sort of separated into three. That's it. Yeah. I understand how that works. That's not a problem at all. I can update that stuff in the back end for you. It doesn't at the moment, as we go through and look at the insurance recommendations, I will just double check if they are appropriate for you based on our last conversation and these changes there. But if there are any changes to these recommendations based on the fact that you've got the impact investment property there, you just let me know, and I'm more than happy to go back and complete any updates that we need to. Okay? Perfect. So scrolling down to the next page there, you will note we do have the superannuation side of things. So you'll have 24 super is what you've got there at the moment, showing the updated balance as of the date we completed the document. This document has been dated as of the February 16. No insurance is currently held there. And scrolling down is your risk profile. So we obviously did your risk profile questionnaire. I had a really good chat about where things are to. You wanted to look at maybe being a bit more of a high growth investor. So that is the profile that we are looking at now when we are looking at the investments for you. Okay? Beautiful. I'll skip the other couple of pages because they are just a bit more about general information around what a high growth portfolio is. If you go down to page number 12, this is where the recommendations really sort of start there for you. So this is the the investment returns recommended. So the first column there basically shows you your current circumstances. So you have your hub twenty four super at the moment. You've got your current balance there, and then you've got your administration fees, investment fees, and other fees applicable to the fund there and the ongoing service fee for us as your advisers for helping you work towards your goals of the best retirement you can have, and then your contributions going in. This is net contributions there as well, and no insurance premiums. At the moment, you are in a growth portfolio, and we've had to use the three year rolling average for this one because the profile we're putting you into only provided us with a three year rolling average. But the growth profile that you or portfolio that you have been in has had a a three year rolling average averaging about 14.24% on a yearly basis. Okay? If we were to keep you in the exact same position with the same profile or portfolio, sorry, over the next five years, if it works the same way that it has over the last three years, then you can end up with a projected amount of 953,646. However, we do know investment markets go up and down, and you don't always get that exact return every year. What we are recommending for you is that we do retain Hub 24. Hub 24 is still an appropriate platform for you. Hub 24 and particularly the Choice version there actually gives you back to a lot more different investments as per our such. It has about 1,178 different investment options. That's in Australia and across the globe. It ranges every from ETFs managed funds right down to individual shares, which is really cool. And that essentially means that you have access to all these different investment options to be able to have filled and have portfolios that are working for you now, but also being able to alter and change those moving forward. So there's been no major changes to have 24. It's still an appropriate platform and still in your best interest. So we have opted to retain that for you to make it easier. We are looking to, however, change the the portfolio. So one of the reasons it took a little bit longer to do the advice for you, and I do apologize for the delay, but as of sort of late last year, around about November, December, one of your underlying investments in the the Benelung Australian Equities took a bit of a pretty heavy hit. One of their underlying investments, Corporate Traveler, had come up. They've been a bit dishonest to the market. That was released, and it meant that Benelung had to reevaluate that portion of their investments, which meant that everyone went back and reevaluated Benelon as an investment as well. So we certainly did the same thing, and we've decided to move you out of that. So we're not only moving you into the high growth portfolio as per our conversation to allow you to take on a bit more risk in the market to get those greater potential returns. But we're also switching some of the underlying investments to make sure you're invested in a portfolio that has shown greater potential returns and removing underperforming investment option as well. Does that make sense? Yep. Perfect. So you'll see on the bottom of that table, we are moving you into what's called the o l o v six high growth portfolio. This portfolio over the past three years has actually averaged a return of that 16.73%. As I did mention before, we don't expect you to get that every year. We do mark do know markets do react differently on ongoing years, and some years you might get 16 to 20% returns. Other years you might get a 10 or 15% return. And in a high growth portfolio, we do expect a negative return sort of one in every five years. So it's about just making sure you're in a portfolio that has had greater potential returns with that, you know, hasn't shown the sort of downturns that Bennelong has had. That way, we're sort of putting you in a position to benefit greatly from that moving forward. Does that make sense? Yep. Perfect. By making the investment switch that well, I'll I'll go through and show you what that looks like. But by making the investment switch there, we do estimate the CGT consequences. You'll see in the very top there in the difference column, the 3,250. You'll see on the underneath the table, we have a bit of a disclaimer, but that's essentially showing you the expected CGT consequences as well as any buy sell costs that will be incurred by the funds by making this switch. Essentially, it's a small amount to make the switch. We're retaining the funds, so it kind of limits the amount of CGT consequences possible. However, there is always gonna be some sort of tax consequences when we are switching investments there. So we've tried to limit them as much as possible, but once they make the switch to better performing high growth environment, your funds can work harder and make that money back nice and quick. Okay? Perfect. By making the switch as well, you'll also notice there the administration fees are reduced slightly as well for the first year. It's about a $3 difference. Not a huge difference, but every little bit helps these days. Saving some fees can make a a big difference when you're compounding that forward. But it also changes the investment fees as well. So we save about $53 on investment fees. So it's nice and cheap there. Other fees within the fund are a little bit higher with some of the investment options that we have chosen. However, with when we sort of weighed up the options, getting a better better performing portfolio is, you know, weighing up the options outweigh the cost of the change. So yeah. Perfect. You'll also see that the insurance premiums so at the moment, you don't have any insurance premiums paid out of super, but because we have decided to look at the life and TPD component there for you, the insurance premiums, the cost of the first year is $384 deducted from your super fund for those insurances. Okay? Perfect. If the fund did perform the way it has over the past three years over the next sort of five years, you could end up with about a million and 56,000. I honestly don't think we're gonna end up that far, but look at the compounding effect. And with the balance you have at the moment, you could get awfully close to that. So if you sort of think of your balance at 500 or thousand, someone with a $50,000 balance getting a 5% return, it's gonna be much smaller. Whereas your balance getting a 5% return is gonna have a greater compounding effect. So, I normally am a bit cautious about giving people these kinds of projection figures, but because your balance is so high to begin with, smaller changes make a big difference. You actually could end up very close to this figure in the next five years. Okay? Yeah. I'd say we'll work on it, and we'll keep we'll we'll we'll keep tracking on to see where we're going. I would love it if we could exceed that figure in all honesty. I think you've you worked really hard. You've got a a really good life ahead of you, and you've got a lot of time before retirement. But when you get there, the fact that you will have worked for so many years, you deserve every bit of retirement you could get. Perfect. So that's essentially the super recommendation, just retaining the fund, doing a bit of a switch there. It's really important, as we mentioned before, that any recommendations we make are in your best interest. And we do have in through the document, a bit of a best interest duty statement, which outlines the best interest around that. So moving into high growth portfolio was something we discussed. It aligns along with your goals and objectives. You're still young. You wanted to take a bit more risk in the market for greater potential returns, and giving you the high growth portfolio allows for that. We're aware that markets do fluctuate. They go up and down. And in in the down times moving forward, if you've got a bit of extra money, call me, and we can look at what to do to maximize those downtime. Okay? For paying, you have 24 is in your best interest as the fund itself is has not had any major changes that are gonna negatively impact you. And by being able to retain the fund and complete the switch within the fund, we actually are able to reduce the CJT liability from what it would have been if we had have moved to a different fund. Okay? Perfect. If you scroll down for me to page number 16, this will sort of show you what we're talking about with regards to the investments there as well. Perfect. So this is essentially showing you what we will and won't have within the portfolio. So just going from the top then, we'll essentially be moving all the battery and lithium tech out and all the Benelon Australian equities because that Benelon has been underperforming. We'll be putting you putting some more money into the bank hybrids there, a bit more of a defensive investment. Some physical gold, which has done really, really well and continues to perform nicely, so topping up that a bit for you. Some beta shares cybersecurity because cybersecurity is still a great area to have with all the technology and all the changes that we're going through with everything being online. It's still a really important area to focus on. And then we'll also be, sorry, moving money out of the core composite bonds there, putting some more into the S and P 500 to giving you some more exposure into the American market. And then we've got removing the VanEck Australian properties, so taking that one completely out. We're putting some into the Aussie 200 there. It's giving you exposure into the top 200 companies on the ASX. Some Australian exposure as well as US exposure is still really important to have. We'll put some into the India beta shares quality ETF, and then we'll also have some global health care there for you as well. And to replace the Benelung Australian Equities, we're putting into our Finity Australian Share Fund. So it's still keeping the same level of Australian FDs exposure that you would have had within Venalong. However, putting you into an investment that a a is a little bit cheaper in management fees, but also has shown greater past performance for you. Okay? Perfect. And the last one at the bottom there is the JPMorgan Global Research Enhanced Equity Fund. This is just giving you access to, again, this global research. JPMorgan utilize their research team looking at their areas of growth and making sure it's global. So diversification is a great area, and this fund has done quite well as well. So keeping that in there for you. Does that all makes sense. Do you have any questions about any of those? I do keep it fairly brief, but if you want me to go, like, a lot deeper, I'm more than happy to. That's okay. That's okay. I just wanna go a bit brief because not everyone's that interested. And I was like, oh, if you need more, you let me know. Slowly more than happy to send you anything else that you need after you've had a read through there, Sean. Easy. Yeah. Perfect. If you scroll down to the next page, you'll see asset allocation changes. So in a high growth environment, you generally see about 90% in growth investments, things like the Australian equities, international equities, Australian and international property. Alternatives like gold and silver and other precious metals are also considered growth assets as well. And then you would normally see about 10% in defensive investments. So we're putting more money into those growth investments growth for greater potential growth there, less into the in defensive investments, which tend to be lower performing just to try and get as much growth as we possibly can while we're young while we have the time ahead of us to do so. Within your existing portfolio, sorry, you're about 71.63% in growth investments and 19.15% in defensive and then 9.22% in alternatives. So we're gonna increase those growth assets to have 84.48, 8.6 in defensive, and keeping that gold exposure at about 6.92 to 7% there for you. Okay? Yep. Perfect. So it's just increasing those that growth exposure, reducing the amount of defensive investments you have, keeping some alternatives in there to give you a bit of growth, but also defensive. One of the good things in why we keep gold in our portfolios is that it does work both ways. Having gold, everyone loves it. I know I love a bit of gold. And then, you know, everyone still has it. It has performed really, really well over the past couple of years, and then it becomes defensive at times when it needs to be as well. So if you think back to, like, COVID, a lot of people move money into gold as a bit of a safe haven. The GFC is another really good example of that. So that's why we wanna keep that, and that sort of shows you what the expected exposure might look like once we complete this change. Okay? Perfect. The next page down is the insurance recommendation. So when we did your annual review, we noted that you do have your employer paid policy, but we don't really know a lot about how much you are covered for. So one of the things we did talk about was, you know, if anything happened to you with regard to life and total permanent disability, having a bit of money there to maybe cover your mortgage or provide a little bit of additional benefit was important just to kind of allow you to take some time off, pay off the mortgage, you know, without having to worry about how much you were covered for through the employer paid policy because it was so unsure. So I did go back and do a bit of research there. I have made a recommendation that we do apply for life and CBD through Neos for the sum insured of 384,605. Essentially, when we sort of spoke, we looked at your mortgage, which was about 498, I believe, above there, and we looked at with your super balance just applying for about $300,000 of life and TBD and then accounting for the tax on TBD of up to 22% there as well. So that essentially meant that without accounting for the employer paid policy, because there were so many unknowns there, in the event of you passing away or becoming TPD, you would receive that $300,000 benefit from the TPD. Last, you'll get the full $3.84 paid to your partner. But then your super benefit on top of that can help pay off the rest of the mortgage and then provide some additional living expenses or income replacement there. Does that kind of ring about? Does that make sense, and is that still appropriate? Yeah. Yep. Absolutely. The only sort of thing I do wanna check, though, because you now do have that investment property there with having the extra mortgage, in the event of passing away, do you feel like that amount we are looking to apply for is still gonna be appropriate? Do you think your partner might wanna just sell the investment property or keep it going the way it is, or did you wanna look at a higher amount of life cover? What do you sort of feel about the changes to your circumstances? Yep. Yep. Absolutely. Yep. Yep. Yep. Perfect. Perfect. Not a problem at all. So, again, with the TBD, it is the same amount as the life. We did gross up the life to match the TBD because we were looking at 300,000 then incorporating the 22% tax. And the reason we have done that is because it actually makes the policy cheaper. So by linking the life and TPD together, you get access to a multi policy discount there, which helps to make the policy cheaper. It does essentially mean that in the event of claiming TPD, the funds are paid out, but then because you've linked the TPD to the life, it does cancel the life act to zero. So we add the life buyback option, which means that after a TPD claims, so long as you survive generally within twelve months, you'll get a letter to say we're gonna reinstate the life policy, and they reinstate that back to the pre disability or preclaim amount. So you can have your life reinstated and then claim on life cover at at a later time. Does that make sense? Yeah. Perfect. It's a great way of structuring it to make it a bit cheaper for you, but also making sure you have access to claim because the worst thing in the world is having insurances that you can't claim on. You're paying all this money for premiums. So yep. Perfect. Now these are to be structured inside super there. That way, you don't have to worry about making the, you know, making the premium payments out of your back pocket to make it easier on you. And we do estimate for the first year's premium to be $451.34. That's how much the insurer actually receives. You will only pay $3.83 64, so $3.84 as per above. That's because due to the taxation inside suit, you get a better than 15% rebate or a discount on the premium. So you actually pay less than the insurer receives, which is actually kinda cool. Yeah. Essentially, this recommendation is in your best interest because it was it's covering the amount that you wanted to. So it is meeting your goal of making sure that in the event of a TBD claim, after the 22% tax, you can receive the $300,000. It's giving you the life cover, and it means that anything you receive on top of that in the event of a TBD claim, if you, you know, claim on this, then you get your super release, and then your employer paid policy pays out a more as well. It's just giving you that extra benefit without the stress of the unknown of how much you're actually covered for. Okay. Yep. Perfect. We haven't looked at any income protection or any trauma, but down the track, if you would like to come and talk about those, I'm more than happy to help you out with that. I know your income protection with your employer paid policy is all still there as well. But if you ever wanted to look at anything else, just to let me know. I'm more than happy to update or make new recommendations. That's what we're here for. Okay? Perfect. Now yes. So how does it work? Yeah. So you absolutely can. It's just up to a certain limit. So, generally, income protection only covers you for up to 70% of your current income of pre disability income. Essentially, if you have an employer paid policy that covers you for over 70%, then you can't claim on a secondary policy. If you're claiming on a policy that covers less than that 70%, and then you can get some top up policies and claim a bit more, It's just a juggling sort of thing to make sure that what you're what you're paying for is the amount you can claim on, that you're not overinsuring yourself for amounts you can't claim on. But if you wanted to look at that, absolutely come and have a chat to me, and we can talk it through. Yeah. Absolutely. Yeah. Yeah. Yep. Yeah. If you want if you're able to get the information there, Sean, you wanna send it through to me, I can absolutely run it through, have a real good look at it, and break down the details for you just to give you some information. Yeah. No worries at all. I'll let I I'll email you after the call. So sorry I get the tongue tied. I'll email you after the call. That way, you've got my email there again at the top. If you just wanna grab the information, send it to me. I'll take some time to read it over, break it down. I can send you back the information so you understand a bit more about what you what the policy is, what you have. Easy done. Yeah. Easy. Perfect. The benefits of having this policy are that it is paid out of your super. So you're not having to pay the premiums out of your back pocket. Structuring your policies this way basically allows you to have a higher sum insured without having to pay the money out of your back pocket. Living expenses can be extremely high. The disadvantages are that, obviously, paying for insurance premiums out of your super does have an effect on your retirement over the longer term. So we do wanna obviously review this with you on a yearly basis, make sure that as you get older, the risk of you making a claim, the insurance premiums actually get more expensive. So we wanna make sure that these premiums don't get exuberantly expensive, but that the level of cover still matches what you're actually after. Okay? Perfect. The risks involved, we do have to go through an application in order to have this placed in force. So once you sign the document, return it back to me. I'll get you booked in with our lovely admin team. They'll go through the insurance application with you. It's just about making sure you've disclosed everything. There's nothing in our records that is really a red flag there at all. But if there is anything that comes out on the application, the risks are that they could be loading to exclusions down the track before putting the policy in force. We'll come back and have a chat if there is any revised terms provided. Okay? Perfect. I will let you have a reach for the advantages, disadvantages, and risks involved. I kinda go through some of them, not to bore you with pages and pages, but feel free to have run your eyes over those. And if you find you do have any questions there, please do let me know. Okay. Perfect. The last part of the recommendations is the estate planning side of things. So because we are looking at life insurance through Neos and I had a look at your super fund, you don't have a beneficiary nomination applied as of yet. So I am making the recommendation. Sorry. If you're tracking to it's page 25, I do apologize. I'm making the recommendation that we apply a binding non lapsing beneficiary nomination to both your life insurance and your hub twenty four super account nominating Jessica. So in the event that anything was to happen, having these onboard means that the trustee is down to follow your direction and non lapsing essentially means that you don't have to fill out these forms continuously unless your circumstances change. So as long as the the nomination is valid and we'll help you to make sure it is valid, then in the event of something happening, Jessica just needs to contact us, and we will help her with the claim. I always find it really important to make mention to have our number somewhere. I know we do send out business cards. Happy to organize another one if you need to. But just having it on the fridge or someone somewhere close means that in the event that something happens, Jessica can call us and go, hey. I am, Sean's partner. Certainly, this has happened. We need to make a claim. And, you know, with your life insurance and things like that, we will help her with the claim process to be nice and easy. Okay? Perfect. We also do make the recommendation in here that you do establish a will and power of attorney. Having the beneficiary nominations on your super is great because that obviously covers your super in the event that something happens. However, all of your other assets outside of super are just as important, investment properties, your properties, your savings, your cars, your couches, everything. So having your will done up with us listed is a really important way of protecting all your other assets, and having a power of attorney is just as important. It's about making sure that in the event that you're unable to make decisions on your own behalf, that you have an attorney that's nominated someone you trust and that someone who knows what your wishes are. One of the biggest funds is, like, incapacity due to medical. Someone's had an injury or an illness, and they're not able to make decisions. They're in a coma or something's happened, and having that power of attorney to be enacted by your attorney means that you've given them direction on what you want them or how you want them to act if in the event that you're unable to act on your own behalf. So the small major things, but they they make make a really big difference. And I always think having paying for a solicitor to drop a will and power of attorney is really putting a bit more of invested in yourself and and your future and making sure that you're protected as well. Okay? Perfect. As part of the implementation, once you're happy to take on the advice, we'll get you to sign and return it back. Essentially, what we'll do is we'll start by just doing the investment switch for you. We do all that online. It's nice and easy. We'll then book you in to go through the insurance application with you. One of our beautiful admin team will go through those questions nice and easy. We then send that off to the underwriters. They'll assess the application so long as there's nothing that causes a red flag. So I've seen applications go in very, very quickly. I've also seen them take a couple of weeks, so, hopefully, not as easy one for you. We then also send out your beneficiary nominations. We can help to have them filled out. They just need to be witnessed by someone that's not the beneficiary or not not the beneficiary person. So Jessica couldn't essentially be a witness for you because she is the person we're nominating. Designed by two witnesses to make it nice and easy, and then we can also send out a referral for you for a solicitor to give you some information around setting up a will, costing, things like that. And if you would like a referral on, we're happy to help you with that as well. Okay? Perfect. The only other thing to kinda make mention of is the advice is provided fully complimentary to yourself. There's no upfront fees for the advice. It's all part of you being an ongoing client. As an ongoing client, you do pay an ongoing service fee for our services. That's including updating the advice. So working towards your goals of having the best of time that you can possibly have at the age of 60 there. The ongoing service fee is 1.65% per annum. It is calculated and deducted from your super in smaller monthly increments. So it does fluctuate with the market, but we wanna obviously make sure the market's moving the best they possibly can. I do also have to disclose that with insurance recommendations, we do receive remuneration for those from the insurance company. It's not paid by you in any way, shape, or form and has no effect on my recommendations. My recommendations have to be in your best interest. And that's why through the document, we note the best interest duty there for you. With the premiums, we do expect it's just 66% of the first year's premium and 22%, they're ongoing. So we have disclosed that inside this document on the last few pages there for you as well. Does that all make sense? Do you have any questions for me at the moment? Yep. Perfect. That is basically everything I needed to run through with you. We do have, sorry, attached to that, the quote for you to run your eyes over. I've also got a whole bunch of other documents attached there, the appendices, the PDF doc PDF documents if you're interested in having a look at the fraud disclosure statements. The financial services guide for us has been updated recently, and there's some nice photos of all of us and all of my information in there as well. But, yeah, feel free to have a read through those. Once you're happy to take on the recommendations, we'll get you to sign and return it back, and we'll get this moving for you nice and quickly. Okay? There you go. Absolutely. No. Perfect. In the background, I'll go and update your investment information there for you, But thank you so much for that. I really appreciate you taking the time to run through this with me today. If there are any questions, let me know. I will email you after the call just with that document there so you can send it through whenever you're ready. It doesn't have to be now. It's, you know, whenever you've got time, and I can happily break that down for you. It's part of what we do. We're here to support you, provide advice, but also here to give you information and help you to decipher things if you need them as well. So feel free to use me to your full advantage. And if you find anyone else who wants to review their super, have a look at what they can do, please feel free to pass on my information. Happy to have a chat to anyone. Can you see? No worries at all, Sean. Do you have any questions that you wanted me to sort of break down? Did you have anything you wanted me to sort of go through in a bit more further detail for you? Or Beautiful. Perfect. Absolutely. Yeah. Yeah. Perfect. Perfect. Well, thank you so much for your time. If I don't talk to you before, have an amazing trip, and I really appreciate you taking my time today. Anytime, Sean. Have a great afternoon. Thank you. See you later. 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Sean. This is Dana from Okie Financial. How are you this afternoon? I'm very well. Thank you.\n\nThank you for asking. I had you booked in to go through your updated advice document. Is now a good time there for you? Yes. Yep.\n\nFantastic. Do you happen to have access to your emails there this afternoon as well? Yep. Beautiful. I'm just gonna send you through an email just with the details there.\n\nJust generally easy if we sort of go through things and you're able to see what I'm talking about. While that's coming through, I just need to let you know moving forward, we do do sorry. We do record our calls for quality and training purposes. Are you happy for me to proceed with that? Yep.\n\nBeautiful. And then just to do security there with you as well, we are discussing your personal information. So I'll just get you to confirm your full name, your date of birth, and address I should have on file. Yep. Beautiful.\n\nThank you so much for that. I've just sent that email through to you there, Sean. Now your email address I have is seanmuley@y7mail.com. Is it still the same? Perfect.\n\nSo sorry. Hopefully, it should come through fairly quickly there for you. If it doesn't, that is absolutely okay. Did you have some that's okay. That's alright.\n\nDid you happen to get some time off over Christmas, have a bit of a break? Yeah. Fantastic. Yeah. No.\n\nFantastic. That sounds that sounds great. Are you gonna travel or do anything fun or just have some downtime at home and traveling? Yeah. Perfect.\n\nYes. Fantastic. And then straight back to work after the four months off, you're just taking the the long service leave for a bit of yep. Back to reality. That sounds I mean, it could be really good.\n\nIt could be really difficult at the same time. Yeah. Absolutely. Well, I hope you have an amazing time traveling. Do you have a plan on where you're going to or what, you know, what you're gonna see?\n\nOr Fantastic. Yeah. And yeah. A lot of driving, but, no, that'd be amazing, all the things you can stop and see along the way. I'm all about traveling.\n\nI love it. I think it's great to go out there, see things, see experiences, make it well worth it. Yeah. Perfect. Alright.\n\nAbsolutely. Definitely. Has that email popped through there at all? Perfect. All good.\n\nSo on the first page of the document there, when it opens sorry. My throat's a little bit sore this afternoon. If I do take a break, I do apologize. All good. Sean, this has been prepared by yourself.\n\nIt does say statement of advice under Oku Financial has been prepared by myself, Dana Taylor. I'm an authorized representative under Oku Financial. Our Australian financial services license number is 513068, and the registration number with ASIC for myself and my registration is 1304394. This advice is dated valid for sixty days after the date on the front of the document there and has been provided in your best interest. So we obviously did your annual review last year.\n\nWe wanted to sort of update the advice to reflect changes in your circumstances. You wanted to have a bit of a look at some life and CBD cover and also look at maybe going into a high growth portfolio to see what that can do for you. So this is the document to outline that nice and easily for you. I'll run through the recommendations touching on the points that I need to, and then I'll let you go back to have a read through at all. It's a lot to take in when I'm talking.\n\nThat's why we'd like to have you look at it at the same time. Because if I'm just telling you all the bits and pieces, sometimes it feels like I'm talking at you. So I don't want that. Make it nice and easy so you can take it all in, have a read through, and then let me know whether you're happy to take those recommendations on. Okay?\n\nPerfect. Down now on page number three, you'll notice we have the scoping of the advice. So the areas of this advice document that we have scoped in to make recommendations on our superannuation. So we're working towards your long term retirement goal of being able to retire around about the age of 60. We're looking at the insurances.\n\nSo you do have some insurances through your employer, but you wanted to look at some life and TBD just to make sure that you did have something outside of super that was also just important for you to cover what you needed it to. And then we've also got your estate planning there as well. So whenever we are making a recommendation around superannuation or around insurances, we do like to make sure the estate planning is also scoped in to make sure that beneficiaries are updated correctly. Okay? Perfect.\n\nIf you scroll down, sorry, to page number seven, this is the about you section. If you just scroll your eyes over, that's the information that we were able to collect at our last catch up. Not sure if anything major has changed there. If you can just run your eyes over that one for me just to let me know if there are any major changes at all since we last caught up. Oh, I'm sorry.\n\nSorry. No. That's okay. I will it doesn't affect the advice at all, but I don't wanna have that wrong. Did you want me to go back and update that before you sign this?\n\nI do not mind at all. That's okay. Oh, sorry about that. My apologies. All good.\n\nThe next page outlines your current assets that we did have noted down at the last annual review. If you're running your eyes over that one, would you change any of those values majorly? I know your mortgage, hopefully, has decreased a bit since we last caught up there, but is are there any major changes that you would like changed in the back end for any of these? Yep. That's yep.\n\nAbsolutely. So an investment property now. Not a problem at all. And when did you purchase that one? August?\n\nBeautiful. Lovely. Excellent. And what sort of value would you put on the property there at the moment? Yep.\n\nYep. Perfect. Beautiful. And do you remember what the loan might be that you have owing on that one at the moment? Yep.\n\nPerfect. Yep. That's okay. And did you happen to use equity from your main primary residence to purchase the property? Like, has your PPR loan increased at all from that one at all?\n\nMhmm. Yep. Yep. Yep. And then you've got your main primary residence loan there as well as a separate one?\n\nYep. Okay. Perfect. Yep. Yeah.\n\nPerfect. No. I understand that. Easy. You got your what your main primary residence, the equity loan, and then the investment loan all sort of separated into three.\n\nThat's it. Yeah. I understand how that works. That's not a problem at all. I can update that stuff in the back end for you.\n\nIt doesn't at the moment, as we go through and look at the insurance recommendations, I will just double check if they are appropriate for you based on our last conversation and these changes there. But if there are any changes to these recommendations based on the fact that you've got the impact investment property there, you just let me know, and I'm more than happy to go back and complete any updates that we need to. Okay? Perfect. So scrolling down to the next page there, you will note we do have the superannuation side of things.\n\nSo you'll have 24 super is what you've got there at the moment, showing the updated balance as of the date we completed the document. This document has been dated as of the February 16. No insurance is currently held there. And scrolling down is your risk profile. So we obviously did your risk profile questionnaire.\n\nI had a really good chat about where things are to. You wanted to look at maybe being a bit more of a high growth investor. So that is the profile that we are looking at now when we are looking at the investments for you. Okay? Beautiful.\n\nI'll skip the other couple of pages because they are just a bit more about general information around what a high growth portfolio is. If you go down to page number 12, this is where the recommendations really sort of start there for you. So this is the the investment returns recommended. So the first column there basically shows you your current circumstances. So you have your hub twenty four super at the moment.\n\nYou've got your current balance there, and then you've got your administration fees, investment fees, and other fees applicable to the fund there and the ongoing service fee for us as your advisers for helping you work towards your goals of the best retirement you can have, and then your contributions going in. This is net contributions there as well, and no insurance premiums. At the moment, you are in a growth portfolio, and we've had to use the three year rolling average for this one because the profile we're putting you into only provided us with a three year rolling average. But the growth profile that you or portfolio that you have been in has had a a three year rolling average averaging about 14.24% on a yearly basis. Okay?\n\nIf we were to keep you in the exact same position with the same profile or portfolio, sorry, over the next five years, if it works the same way that it has over the last three years, then you can end up with a projected amount of 953,646. However, we do know investment markets go up and down, and you don't always get that exact return every year. What we are recommending for you is that we do retain Hub 24. Hub 24 is still an appropriate platform for you. Hub 24 and particularly the Choice version there actually gives you back to a lot more different investments as per our such.\n\nIt has about 1,178 different investment options. That's in Australia and across the globe. It ranges every from ETFs managed funds right down to individual shares, which is really cool. And that essentially means that you have access to all these different investment options to be able to have filled and have portfolios that are working for you now, but also being able to alter and change those moving forward. So there's been no major changes to have 24.\n\nIt's still an appropriate platform and still in your best interest. So we have opted to retain that for you to make it easier. We are looking to, however, change the the portfolio. So one of the reasons it took a little bit longer to do the advice for you, and I do apologize for the delay, but as of sort of late last year, around about November, December, one of your underlying investments in the the Benelung Australian Equities took a bit of a pretty heavy hit. One of their underlying investments, Corporate Traveler, had come up.\n\nThey've been a bit dishonest to the market. That was released, and it meant that Benelung had to reevaluate that portion of their investments, which meant that everyone went back and reevaluated Benelon as an investment as well. So we certainly did the same thing, and we've decided to move you out of that. So we're not only moving you into the high growth portfolio as per our conversation to allow you to take on a bit more risk in the market to get those greater potential returns. But we're also switching some of the underlying investments to make sure you're invested in a portfolio that has shown greater potential returns and removing underperforming investment option as well.\n\nDoes that make sense? Yep. Perfect. So you'll see on the bottom of that table, we are moving you into what's called the o l o v six high growth portfolio. This portfolio over the past three years has actually averaged a return of that 16.73%.\n\nAs I did mention before, we don't expect you to get that every year. We do mark do know markets do react differently on ongoing years, and some years you might get 16 to 20% returns. Other years you might get a 10 or 15% return. And in a high growth portfolio, we do expect a negative return sort of one in every five years. So it's about just making sure you're in a portfolio that has had greater potential returns with that, you know, hasn't shown the sort of downturns that Bennelong has had.\n\nThat way, we're sort of putting you in a position to benefit greatly from that moving forward. Does that make sense? Yep. Perfect. By making the investment switch that well, I'll I'll go through and show you what that looks like.\n\nBut by making the investment switch there, we do estimate the CGT consequences. You'll see in the very top there in the difference column, the 3,250. You'll see on the underneath the table, we have a bit of a disclaimer, but that's essentially showing you the expected CGT consequences as well as any buy sell costs that will be incurred by the funds by making this switch. Essentially, it's a small amount to make the switch. We're retaining the funds, so it kind of limits the amount of CGT consequences possible.\n\nHowever, there is always gonna be some sort of tax consequences when we are switching investments there. So we've tried to limit them as much as possible, but once they make the switch to better performing high growth environment, your funds can work harder and make that money back nice and quick. Okay? Perfect. By making the switch as well, you'll also notice there the administration fees are reduced slightly as well for the first year.\n\nIt's about a $3 difference. Not a huge difference, but every little bit helps these days. Saving some fees can make a a big difference when you're compounding that forward. But it also changes the investment fees as well. So we save about $53 on investment fees.\n\nSo it's nice and cheap there. Other fees within the fund are a little bit higher with some of the investment options that we have chosen. However, with when we sort of weighed up the options, getting a better better performing portfolio is, you know, weighing up the options outweigh the cost of the change. So yeah. Perfect.\n\nYou'll also see that the insurance premiums so at the moment, you don't have any insurance premiums paid out of super, but because we have decided to look at the life and TPD component there for you, the insurance premiums, the cost of the first year is $384 deducted from your super fund for those insurances. Okay? Perfect. If the fund did perform the way it has over the past three years over the next sort of five years, you could end up with about a million and 56,000. I honestly don't think we're gonna end up that far, but look at the compounding effect.\n\nAnd with the balance you have at the moment, you could get awfully close to that. So if you sort of think of your balance at 500 or thousand, someone with a $50,000 balance getting a 5% return, it's gonna be much smaller. Whereas your balance getting a 5% return is gonna have a greater compounding effect. So, I normally am a bit cautious about giving people these kinds of projection figures, but because your balance is so high to begin with, smaller changes make a big difference. You actually could end up very close to this figure in the next five years.\n\nOkay? Yeah. I'd say we'll work on it, and we'll keep we'll we'll we'll keep tracking on to see where we're going. I would love it if we could exceed that figure in all honesty. I think you've you worked really hard.\n\nYou've got a a really good life ahead of you, and you've got a lot of time before retirement. But when you get there, the fact that you will have worked for so many years, you deserve every bit of retirement you could get. Perfect. So that's essentially the super recommendation, just retaining the fund, doing a bit of a switch there. It's really important, as we mentioned before, that any recommendations we make are in your best interest.\n\nAnd we do have in through the document, a bit of a best interest duty statement, which outlines the best interest around that. So moving into high growth portfolio was something we discussed. It aligns along with your goals and objectives. You're still young. You wanted to take a bit more risk in the market for greater potential returns, and giving you the high growth portfolio allows for that.\n\nWe're aware that markets do fluctuate. They go up and down. And in in the down times moving forward, if you've got a bit of extra money, call me, and we can look at what to do to maximize those downtime. Okay? For paying, you have 24 is in your best interest as the fund itself is has not had any major changes that are gonna negatively impact you.\n\nAnd by being able to retain the fund and complete the switch within the fund, we actually are able to reduce the CJT liability from what it would have been if we had have moved to a different fund. Okay? Perfect. If you scroll down for me to page number 16, this will sort of show you what we're talking about with regards to the investments there as well. Perfect.\n\nSo this is essentially showing you what we will and won't have within the portfolio. So just going from the top then, we'll essentially be moving all the battery and lithium tech out and all the Benelon Australian equities because that Benelon has been underperforming. We'll be putting you putting some more money into the bank hybrids there, a bit more of a defensive investment. Some physical gold, which has done really, really well and continues to perform nicely, so topping up that a bit for you. Some beta shares cybersecurity because cybersecurity is still a great area to have with all the technology and all the changes that we're going through with everything being online.\n\nIt's still a really important area to focus on. And then we'll also be, sorry, moving money out of the core composite bonds there, putting some more into the S and P 500 to giving you some more exposure into the American market. And then we've got removing the VanEck Australian properties, so taking that one completely out. We're putting some into the Aussie 200 there. It's giving you exposure into the top 200 companies on the ASX.\n\nSome Australian exposure as well as US exposure is still really important to have. We'll put some into the India beta shares quality ETF, and then we'll also have some global health care there for you as well. And to replace the Benelung Australian Equities, we're putting into our Finity Australian Share Fund. So it's still keeping the same level of Australian FDs exposure that you would have had within Venalong. However, putting you into an investment that a a is a little bit cheaper in management fees, but also has shown greater past performance for you.\n\nOkay? Perfect. And the last one at the bottom there is the JPMorgan Global Research Enhanced Equity Fund. This is just giving you access to, again, this global research. JPMorgan utilize their research team looking at their areas of growth and making sure it's global.\n\nSo diversification is a great area, and this fund has done quite well as well. So keeping that in there for you. Does that all makes sense. Do you have any questions about any of those? I do keep it fairly brief, but if you want me to go, like, a lot deeper, I'm more than happy to.\n\nThat's okay. That's okay. I just wanna go a bit brief because not everyone's that interested. And I was like, oh, if you need more, you let me know. Slowly more than happy to send you anything else that you need after you've had a read through there, Sean.\n\nEasy. Yeah. Perfect. If you scroll down to the next page, you'll see asset allocation changes. So in a high growth environment, you generally see about 90% in growth investments, things like the Australian equities, international equities, Australian and international property.\n\nAlternatives like gold and silver and other precious metals are also considered growth assets as well. And then you would normally see about 10% in defensive investments. So we're putting more money into those growth investments growth for greater potential growth there, less into the in defensive investments, which tend to be lower performing just to try and get as much growth as we possibly can while we're young while we have the time ahead of us to do so. Within your existing portfolio, sorry, you're about 71.63% in growth investments and 19.15% in defensive and then 9.22% in alternatives. So we're gonna increase those growth assets to have 84.48, 8.6 in defensive, and keeping that gold exposure at about 6.92 to 7% there for you.\n\nOkay? Yep. Perfect. So it's just increasing those that growth exposure, reducing the amount of defensive investments you have, keeping some alternatives in there to give you a bit of growth, but also defensive. One of the good things in why we keep gold in our portfolios is that it does work both ways.\n\nHaving gold, everyone loves it. I know I love a bit of gold. And then, you know, everyone still has it. It has performed really, really well over the past couple of years, and then it becomes defensive at times when it needs to be as well. So if you think back to, like, COVID, a lot of people move money into gold as a bit of a safe haven.\n\nThe GFC is another really good example of that. So that's why we wanna keep that, and that sort of shows you what the expected exposure might look like once we complete this change. Okay? Perfect. The next page down is the insurance recommendation.\n\nSo when we did your annual review, we noted that you do have your employer paid policy, but we don't really know a lot about how much you are covered for. So one of the things we did talk about was, you know, if anything happened to you with regard to life and total permanent disability, having a bit of money there to maybe cover your mortgage or provide a little bit of additional benefit was important just to kind of allow you to take some time off, pay off the mortgage, you know, without having to worry about how much you were covered for through the employer paid policy because it was so unsure. So I did go back and do a bit of research there. I have made a recommendation that we do apply for life and CBD through Neos for the sum insured of 384,605. Essentially, when we sort of spoke, we looked at your mortgage, which was about 498, I believe, above there, and we looked at with your super balance just applying for about $300,000 of life and TBD and then accounting for the tax on TBD of up to 22% there as well.\n\nSo that essentially meant that without accounting for the employer paid policy, because there were so many unknowns there, in the event of you passing away or becoming TPD, you would receive that $300,000 benefit from the TPD. Last, you'll get the full $3.84 paid to your partner. But then your super benefit on top of that can help pay off the rest of the mortgage and then provide some additional living expenses or income replacement there. Does that kind of ring about? Does that make sense, and is that still appropriate?\n\nYeah. Yep. Absolutely. The only sort of thing I do wanna check, though, because you now do have that investment property there with having the extra mortgage, in the event of passing away, do you feel like that amount we are looking to apply for is still gonna be appropriate? Do you think your partner might wanna just sell the investment property or keep it going the way it is, or did you wanna look at a higher amount of life cover?\n\nWhat do you sort of feel about the changes to your circumstances? Yep. Yep. Absolutely. Yep.\n\nYep. Yep. Perfect. Perfect. Not a problem at all.\n\nSo, again, with the TBD, it is the same amount as the life. We did gross up the life to match the TBD because we were looking at 300,000 then incorporating the 22% tax. And the reason we have done that is because it actually makes the policy cheaper. So by linking the life and TPD together, you get access to a multi policy discount there, which helps to make the policy cheaper. It does essentially mean that in the event of claiming TPD, the funds are paid out, but then because you've linked the TPD to the life, it does cancel the life act to zero.\n\nSo we add the life buyback option, which means that after a TPD claims, so long as you survive generally within twelve months, you'll get a letter to say we're gonna reinstate the life policy, and they reinstate that back to the pre disability or preclaim amount. So you can have your life reinstated and then claim on life cover at at a later time. Does that make sense? Yeah. Perfect.\n\nIt's a great way of structuring it to make it a bit cheaper for you, but also making sure you have access to claim because the worst thing in the world is having insurances that you can't claim on. You're paying all this money for premiums. So yep. Perfect. Now these are to be structured inside super there.\n\nThat way, you don't have to worry about making the, you know, making the premium payments out of your back pocket to make it easier on you. And we do estimate for the first year's premium to be $451.34. That's how much the insurer actually receives. You will only pay $3.83 64, so $3.84 as per above. That's because due to the taxation inside suit, you get a better than 15% rebate or a discount on the premium.\n\nSo you actually pay less than the insurer receives, which is actually kinda cool. Yeah. Essentially, this recommendation is in your best interest because it was it's covering the amount that you wanted to. So it is meeting your goal of making sure that in the event of a TBD claim, after the 22% tax, you can receive the $300,000. It's giving you the life cover, and it means that anything you receive on top of that in the event of a TBD claim, if you, you know, claim on this, then you get your super release, and then your employer paid policy pays out a more as well.\n\nIt's just giving you that extra benefit without the stress of the unknown of how much you're actually covered for. Okay. Yep. Perfect. We haven't looked at any income protection or any trauma, but down the track, if you would like to come and talk about those, I'm more than happy to help you out with that.\n\nI know your income protection with your employer paid policy is all still there as well. But if you ever wanted to look at anything else, just to let me know. I'm more than happy to update or make new recommendations. That's what we're here for. Okay?\n\nPerfect. Now yes. So how does it work? Yeah. So you absolutely can.\n\nIt's just up to a certain limit. So, generally, income protection only covers you for up to 70% of your current income of pre disability income. Essentially, if you have an employer paid policy that covers you for over 70%, then you can't claim on a secondary policy. If you're claiming on a policy that covers less than that 70%, and then you can get some top up policies and claim a bit more, It's just a juggling sort of thing to make sure that what you're what you're paying for is the amount you can claim on, that you're not overinsuring yourself for amounts you can't claim on. But if you wanted to look at that, absolutely come and have a chat to me, and we can talk it through.\n\nYeah. Absolutely. Yeah. Yeah. Yep.\n\nYeah. If you want if you're able to get the information there, Sean, you wanna send it through to me, I can absolutely run it through, have a real good look at it, and break down the details for you just to give you some information. Yeah. No worries at all. I'll let I I'll email you after the call.\n\nSo sorry I get the tongue tied. I'll email you after the call. That way, you've got my email there again at the top. If you just wanna grab the information, send it to me. I'll take some time to read it over, break it down.\n\nI can send you back the information so you understand a bit more about what you what the policy is, what you have. Easy done. Yeah. Easy. Perfect.\n\nThe benefits of having this policy are that it is paid out of your super. So you're not having to pay the premiums out of your back pocket. Structuring your policies this way basically allows you to have a higher sum insured without having to pay the money out of your back pocket. Living expenses can be extremely high. The disadvantages are that, obviously, paying for insurance premiums out of your super does have an effect on your retirement over the longer term.\n\nSo we do wanna obviously review this with you on a yearly basis, make sure that as you get older, the risk of you making a claim, the insurance premiums actually get more expensive. So we wanna make sure that these premiums don't get exuberantly expensive, but that the level of cover still matches what you're actually after. Okay? Perfect. The risks involved, we do have to go through an application in order to have this placed in force.\n\nSo once you sign the document, return it back to me. I'll get you booked in with our lovely admin team. They'll go through the insurance application with you. It's just about making sure you've disclosed everything. There's nothing in our records that is really a red flag there at all.\n\nBut if there is anything that comes out on the application, the risks are that they could be loading to exclusions down the track before putting the policy in force. We'll come back and have a chat if there is any revised terms provided. Okay? Perfect. I will let you have a reach for the advantages, disadvantages, and risks involved.\n\nI kinda go through some of them, not to bore you with pages and pages, but feel free to have run your eyes over those. And if you find you do have any questions there, please do let me know. Okay. Perfect. The last part of the recommendations is the estate planning side of things.\n\nSo because we are looking at life insurance through Neos and I had a look at your super fund, you don't have a beneficiary nomination applied as of yet. So I am making the recommendation. Sorry. If you're tracking to it's page 25, I do apologize. I'm making the recommendation that we apply a binding non lapsing beneficiary nomination to both your life insurance and your hub twenty four super account nominating Jessica.\n\nSo in the event that anything was to happen, having these onboard means that the trustee is down to follow your direction and non lapsing essentially means that you don't have to fill out these forms continuously unless your circumstances change. So as long as the the nomination is valid and we'll help you to make sure it is valid, then in the event of something happening, Jessica just needs to contact us, and we will help her with the claim. I always find it really important to make mention to have our number somewhere. I know we do send out business cards. Happy to organize another one if you need to.\n\nBut just having it on the fridge or someone somewhere close means that in the event that something happens, Jessica can call us and go, hey. I am, Sean's partner. Certainly, this has happened. We need to make a claim. And, you know, with your life insurance and things like that, we will help her with the claim process to be nice and easy.\n\nOkay? Perfect. We also do make the recommendation in here that you do establish a will and power of attorney. Having the beneficiary nominations on your super is great because that obviously covers your super in the event that something happens. However, all of your other assets outside of super are just as important, investment properties, your properties, your savings, your cars, your couches, everything.\n\nSo having your will done up with us listed is a really important way of protecting all your other assets, and having a power of attorney is just as important. It's about making sure that in the event that you're unable to make decisions on your own behalf, that you have an attorney that's nominated someone you trust and that someone who knows what your wishes are. One of the biggest funds is, like, incapacity due to medical. Someone's had an injury or an illness, and they're not able to make decisions. They're in a coma or something's happened, and having that power of attorney to be enacted by your attorney means that you've given them direction on what you want them or how you want them to act if in the event that you're unable to act on your own behalf.\n\nSo the small major things, but they they make make a really big difference. And I always think having paying for a solicitor to drop a will and power of attorney is really putting a bit more of invested in yourself and and your future and making sure that you're protected as well. Okay? Perfect. As part of the implementation, once you're happy to take on the advice, we'll get you to sign and return it back.\n\nEssentially, what we'll do is we'll start by just doing the investment switch for you. We do all that online. It's nice and easy. We'll then book you in to go through the insurance application with you. One of our beautiful admin team will go through those questions nice and easy.\n\nWe then send that off to the underwriters. They'll assess the application so long as there's nothing that causes a red flag. So I've seen applications go in very, very quickly. I've also seen them take a couple of weeks, so, hopefully, not as easy one for you. We then also send out your beneficiary nominations.\n\nWe can help to have them filled out. They just need to be witnessed by someone that's not the beneficiary or not not the beneficiary person. So Jessica couldn't essentially be a witness for you because she is the person we're nominating. Designed by two witnesses to make it nice and easy, and then we can also send out a referral for you for a solicitor to give you some information around setting up a will, costing, things like that. And if you would like a referral on, we're happy to help you with that as well.\n\nOkay? Perfect. The only other thing to kinda make mention of is the advice is provided fully complimentary to yourself. There's no upfront fees for the advice. It's all part of you being an ongoing client.\n\nAs an ongoing client, you do pay an ongoing service fee for our services. That's including updating the advice. So working towards your goals of having the best of time that you can possibly have at the age of 60 there. The ongoing service fee is 1.65% per annum. It is calculated and deducted from your super in smaller monthly increments.\n\nSo it does fluctuate with the market, but we wanna obviously make sure the market's moving the best they possibly can. I do also have to disclose that with insurance recommendations, we do receive remuneration for those from the insurance company. It's not paid by you in any way, shape, or form and has no effect on my recommendations. My recommendations have to be in your best interest. And that's why through the document, we note the best interest duty there for you.\n\nWith the premiums, we do expect it's just 66% of the first year's premium and 22%, they're ongoing. So we have disclosed that inside this document on the last few pages there for you as well. Does that all make sense? Do you have any questions for me at the moment? Yep.\n\nPerfect. That is basically everything I needed to run through with you. We do have, sorry, attached to that, the quote for you to run your eyes over. I've also got a whole bunch of other documents attached there, the appendices, the PDF doc PDF documents if you're interested in having a look at the fraud disclosure statements. The financial services guide for us has been updated recently, and there's some nice photos of all of us and all of my information in there as well.\n\nBut, yeah, feel free to have a read through those. Once you're happy to take on the recommendations, we'll get you to sign and return it back, and we'll get this moving for you nice and quickly. Okay? There you go. Absolutely.\n\nNo. Perfect. In the background, I'll go and update your investment information there for you, But thank you so much for that. I really appreciate you taking the time to run through this with me today. If there are any questions, let me know.\n\nI will email you after the call just with that document there so you can send it through whenever you're ready. It doesn't have to be now. It's, you know, whenever you've got time, and I can happily break that down for you. It's part of what we do. We're here to support you, provide advice, but also here to give you information and help you to decipher things if you need them as well.\n\nSo feel free to use me to your full advantage. And if you find anyone else who wants to review their super, have a look at what they can do, please feel free to pass on my information. Happy to have a chat to anyone. Can you see? No worries at all, Sean.\n\nDo you have any questions that you wanted me to sort of break down? Did you have anything you wanted me to sort of go through in a bit more further detail for you? Or Beautiful. Perfect. Absolutely.\n\nYeah. Yeah. Perfect. Perfect. Well, thank you so much for your time.\n\nIf I don't talk to you before, have an amazing trip, and I really appreciate you taking my time today. Anytime, Sean. Have a great afternoon. Thank you. See you later.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hi, Sean.","start":2.1599998,"end":2.8,"sentiment":"neutral","sentiment_score":0.10407091304659843},{"text":"This is Dana from Okie Financial.","start":2.8,"end":4.48,"sentiment":"neutral","sentiment_score":0.14353317519028982},{"text":"How are you this afternoon?","start":4.48,"end":5.7799997,"sentiment":"neutral","sentiment_score":0.1999220222234726},{"text":"I'm very well.","start":7.9199996,"end":8.8,"sentiment":"positive","sentiment_score":0.579420804977417},{"text":"Thank you.","start":8.8,"end":9.2,"sentiment":"positive","sentiment_score":0.6510784924030304}],"sentiment":"neutral","sentiment_score":0.2838539104494784,"num_words":18,"start":2.1599998,"end":9.2},{"sentences":[{"text":"Thank you for asking.","start":9.2,"end":10.24,"sentiment":"positive","sentiment_score":0.6167611926794052},{"text":"I had you booked in to go through your updated advice document.","start":10.24,"end":12.96,"sentiment":"neutral","sentiment_score":0.2894703907271226},{"text":"Is now a good time there for you?","start":12.96,"end":14.82,"sentiment":"neutral","sentiment_score":0.2641285005956888},{"text":"Yes.","start":15.745,"end":16.225,"sentiment":"neutral","sentiment_score":0.2211401164531708},{"text":"Yep.","start":16.225,"end":16.705,"sentiment":"neutral","sentiment_score":0.2888910174369812}],"sentiment":"neutral","sentiment_score":0.3293749460807213,"num_words":26,"start":9.2,"end":16.705},{"sentences":[{"text":"Fantastic.","start":16.705,"end":17.205,"sentiment":"positive","sentiment_score":0.538083553314209},{"text":"Do you happen to have access to your emails there this afternoon as well?","start":17.425,"end":20.564999,"sentiment":"neutral","sentiment_score":0.16904095879622869},{"text":"Yep.","start":22.064999,"end":22.564999,"sentiment":"neutral","sentiment_score":0.1491418182849884},{"text":"Beautiful.","start":22.625,"end":23.125,"sentiment":"positive","sentiment_score":0.4410518407821655},{"text":"I'm just gonna send you through an email just with the details there.","start":23.265,"end":25.904999,"sentiment":"neutral","sentiment_score":0.2696542888879776}],"sentiment":"neutral","sentiment_score":0.23334521303574243,"num_words":30,"start":16.705,"end":25.904999},{"sentences":[{"text":"Just generally easy if we sort of go through things and you're able to see what I'm talking about.","start":25.904999,"end":30.005,"sentiment":"neutral","sentiment_score":0.3108984208420703},{"text":"While that's coming through, I just need to let you know moving forward, we do do sorry.","start":31.07,"end":34.91,"sentiment":"neutral","sentiment_score":-0.06978259860154461},{"text":"We do record our calls for quality and training purposes.","start":34.91,"end":37.49,"sentiment":"neutral","sentiment_score":-0.025555445253849028},{"text":"Are you happy for me to proceed with that?","start":37.55,"end":39.57,"sentiment":"neutral","sentiment_score":0.05508460352818171},{"text":"Yep.","start":41.31,"end":41.79,"sentiment":"neutral","sentiment_score":0.12094466388225555}],"sentiment":"neutral","sentiment_score":0.09074852612268712,"num_words":56,"start":25.904999,"end":41.79},{"sentences":[{"text":"Beautiful.","start":41.79,"end":42.29,"sentiment":"neutral","sentiment_score":0.31614232063293457},{"text":"And then just to do security there with you as well, we are discussing your personal information.","start":42.35,"end":46.145,"sentiment":"neutral","sentiment_score":0.10561724796014674},{"text":"So I'll just get you to confirm your full name, your date of birth, and address I should have on file.","start":46.145,"end":50.405,"sentiment":"neutral","sentiment_score":0.08705157644691922},{"text":"Yep.","start":53.985,"end":54.485,"sentiment":"neutral","sentiment_score":0.02096281200647354},{"text":"Beautiful.","start":59.12,"end":59.62,"sentiment":"neutral","sentiment_score":0.2590610980987549}],"sentiment":"neutral","sentiment_score":0.10292055003526734,"num_words":41,"start":41.79,"end":59.62},{"sentences":[{"text":"Thank you so much for that.","start":59.68,"end":61.3,"sentiment":"positive","sentiment_score":0.4061858057975769},{"text":"I've just sent that email through to you there, Sean.","start":61.839996,"end":64.0,"sentiment":"neutral","sentiment_score":0.22592401951551438},{"text":"Now your email address I have is seanmuley@y7mail.com.","start":64.0,"end":68.479996,"sentiment":"neutral","sentiment_score":0.1050732471048832},{"text":"Is it still the same?","start":68.479996,"end":69.615,"sentiment":"neutral","sentiment_score":0.060084402561187744},{"text":"Perfect.","start":72.655,"end":73.155,"sentiment":"neutral","sentiment_score":0.1764628291130066}],"sentiment":"neutral","sentiment_score":0.2004608616232872,"num_words":30,"start":59.68,"end":73.155},{"sentences":[{"text":"So sorry.","start":73.454994,"end":74.195,"sentiment":"neutral","sentiment_score":0.040941935032606125},{"text":"Hopefully, it should come through fairly quickly there for you.","start":75.695,"end":78.575,"sentiment":"neutral","sentiment_score":0.14887322038412093},{"text":"If it doesn't, that is absolutely okay.","start":78.575,"end":80.755,"sentiment":"neutral","sentiment_score":0.07332223707011767},{"text":"Did you have some that's okay.","start":81.455,"end":86.05,"sentiment":"neutral","sentiment_score":0.11552655821045239},{"text":"That's alright.","start":86.99,"end":87.81,"sentiment":"neutral","sentiment_score":0.06563686393201351}],"sentiment":"neutral","sentiment_score":0.10771499298236988,"num_words":27,"start":73.454994,"end":87.81},{"sentences":[{"text":"Did you happen to get some time off over Christmas, have a bit of a break?","start":88.67,"end":92.21,"sentiment":"neutral","sentiment_score":0.026363432814832777},{"text":"Yeah.","start":105.005,"end":105.244995,"sentiment":"neutral","sentiment_score":0.1535039246082306},{"text":"Fantastic.","start":105.244995,"end":105.744995,"sentiment":"positive","sentiment_score":0.4821758270263672},{"text":"Yeah.","start":107.005,"end":107.405,"sentiment":"neutral","sentiment_score":0.08291515707969666},{"text":"No.","start":107.405,"end":107.725,"sentiment":"neutral","sentiment_score":0.14011691510677338}],"sentiment":"neutral","sentiment_score":0.0640263374429196,"num_words":20,"start":88.67,"end":107.725},{"sentences":[{"text":"Fantastic.","start":107.725,"end":108.225,"sentiment":"positive","sentiment_score":0.6357837915420532},{"text":"That sounds that sounds great.","start":108.53,"end":110.13,"sentiment":"positive","sentiment_score":0.691820752620697},{"text":"Are you gonna travel or do anything fun or just have some downtime at home and traveling?","start":110.13,"end":117.909996,"sentiment":"neutral","sentiment_score":0.10557474174043711},{"text":"Yeah.","start":118.28999,"end":118.78999,"sentiment":"neutral","sentiment_score":0.03583287075161934},{"text":"Perfect.","start":123.825,"end":124.325,"sentiment":"positive","sentiment_score":0.38030844926834106}],"sentiment":"neutral","sentiment_score":0.2522319793701172,"num_words":25,"start":107.725,"end":124.325},{"sentences":[{"text":"Yes.","start":126.384995,"end":126.884995,"sentiment":"neutral","sentiment_score":0.3097957968711853},{"text":"Fantastic.","start":127.265,"end":127.765,"sentiment":"positive","sentiment_score":0.5747974514961243},{"text":"And then straight back to work after the four months off, you're just taking the the long service leave for a bit of yep.","start":128.065,"end":135.53,"sentiment":"neutral","sentiment_score":0.08953350270166993},{"text":"Back to reality.","start":138.15,"end":139.21,"sentiment":"neutral","sentiment_score":0.011565014719963074},{"text":"That sounds I mean, it could be really good.","start":142.55,"end":145.35,"sentiment":"neutral","sentiment_score":0.07330354261729452}],"sentiment":"neutral","sentiment_score":0.09810063791902442,"num_words":38,"start":126.384995,"end":145.35},{"sentences":[{"text":"It could be really difficult at the same time.","start":145.35,"end":147.69,"sentiment":"neutral","sentiment_score":-0.16742088894049326},{"text":"Yeah.","start":151.295,"end":151.795,"sentiment":"neutral","sentiment_score":0.003981199115514755},{"text":"Absolutely.","start":153.855,"end":154.355,"sentiment":"neutral","sentiment_score":0.22950737178325653},{"text":"Well, I hope you have an amazing time traveling.","start":154.815,"end":157.155,"sentiment":"positive","sentiment_score":0.4023138814502292},{"text":"Do you have a plan on where you're going to or what, you know, what you're gonna see?","start":157.215,"end":161.615,"sentiment":"neutral","sentiment_score":0.1296005273858706}],"sentiment":"neutral","sentiment_score":0.12316671043242279,"num_words":38,"start":145.35,"end":161.615},{"sentences":[{"text":"Or Fantastic.","start":161.615,"end":170.93001,"sentiment":"neutral","sentiment_score":0.1388000138103962},{"text":"Yeah.","start":177.085,"end":177.16501,"sentiment":"neutral","sentiment_score":0.04696352779865265},{"text":"And yeah.","start":177.16501,"end":178.465,"sentiment":"neutral","sentiment_score":0.05344788543879986},{"text":"A lot of driving, but, no, that'd be amazing, all the things you can stop and see along the way.","start":178.52501,"end":182.445,"sentiment":"neutral","sentiment_score":0.19237969079986214},{"text":"I'm all about traveling.","start":182.445,"end":183.485,"sentiment":"positive","sentiment_score":0.33529382944107056}],"sentiment":"neutral","sentiment_score":0.19380098138133,"num_words":29,"start":161.615,"end":183.485},{"sentences":[{"text":"I love it.","start":183.485,"end":183.965,"sentiment":"positive","sentiment_score":0.683315654595693},{"text":"I think it's great to go out there, see things, see experiences, make it well worth it.","start":183.965,"end":188.705,"sentiment":"positive","sentiment_score":0.5232209458070642},{"text":"Yeah.","start":190.59999,"end":191.09999,"sentiment":"neutral","sentiment_score":0.017518319189548492},{"text":"Perfect.","start":191.72,"end":192.22,"sentiment":"neutral","sentiment_score":-0.05219069495797157},{"text":"Alright.","start":194.51999,"end":195.01999,"sentiment":"neutral","sentiment_score":0.03375708684325218}],"sentiment":"positive","sentiment_score":0.47581685885139136,"num_words":23,"start":183.485,"end":195.01999},{"sentences":[{"text":"Absolutely.","start":195.72,"end":196.22,"sentiment":"neutral","sentiment_score":0.08430260419845581},{"text":"Definitely.","start":197.23999,"end":197.73999,"sentiment":"neutral","sentiment_score":0.05959657579660416},{"text":"Has that email popped through there at all?","start":198.04,"end":200.37999,"sentiment":"neutral","sentiment_score":0.013270357972942293},{"text":"Perfect.","start":203.33499,"end":203.83499,"sentiment":"neutral","sentiment_score":0.09908439218997955},{"text":"All good.","start":204.055,"end":204.795,"sentiment":"neutral","sentiment_score":0.11060867458581924}],"sentiment":"neutral","sentiment_score":0.04387413731847818,"num_words":13,"start":195.72,"end":204.795},{"sentences":[{"text":"So on the first page of the document there, when it opens sorry.","start":205.735,"end":209.81499,"sentiment":"neutral","sentiment_score":-0.00925060992057507},{"text":"My throat's a little bit sore this afternoon.","start":209.81499,"end":211.415,"sentiment":"neutral","sentiment_score":-0.16842334065586329},{"text":"If I do take a break, I do apologize.","start":211.415,"end":213.995,"sentiment":"neutral","sentiment_score":-0.06740844373901685},{"text":"All good.","start":216.24,"end":217.06001,"sentiment":"positive","sentiment_score":0.45713797211647034},{"text":"Sean, this has been prepared by yourself.","start":217.52,"end":219.36,"sentiment":"positive","sentiment_score":0.46953691116401125}],"sentiment":"neutral","sentiment_score":0.05453111985937143,"num_words":39,"start":205.735,"end":219.36},{"sentences":[{"text":"It does say statement of advice under Oku Financial has been prepared by myself, Dana Taylor.","start":219.36,"end":224.40001,"sentiment":"neutral","sentiment_score":0.07808374403975904},{"text":"I'm an authorized representative under Oku Financial.","start":224.40001,"end":227.215,"sentiment":"neutral","sentiment_score":0.0682388043829373},{"text":"Our Australian financial services license number is 513068, and the registration number with ASIC for myself and my registration is 1304394.","start":227.75499,"end":237.775,"sentiment":"neutral","sentiment_score":0.08127258310005778},{"text":"This advice is dated valid for sixty days after the date on the front of the document there and has been provided in your best interest.","start":238.235,"end":246.35,"sentiment":"neutral","sentiment_score":0.18662344205837983},{"text":"So we obviously did your annual review last year.","start":246.35,"end":248.43,"sentiment":"neutral","sentiment_score":0.12557338923215866}],"sentiment":"neutral","sentiment_score":0.11919121236740789,"num_words":79,"start":219.36,"end":248.43},{"sentences":[{"text":"We wanted to sort of update the advice to reflect changes in your circumstances.","start":248.43,"end":251.73,"sentiment":"neutral","sentiment_score":0.11490500079733985},{"text":"You wanted to have a bit of a look at some life and CBD cover and also look at maybe going into a high growth portfolio to see what that can do for you.","start":251.95,"end":259.435,"sentiment":"neutral","sentiment_score":0.1829905076061978},{"text":"So this is the document to outline that nice and easily for you.","start":259.435,"end":263.215,"sentiment":"positive","sentiment_score":0.35138550515358263},{"text":"I'll run through the recommendations touching on the points that I need to, and then I'll let you go back to have a read through at all.","start":263.435,"end":269.115,"sentiment":"neutral","sentiment_score":0.14491935736603206},{"text":"It's a lot to take in when I'm talking.","start":269.115,"end":271.03998,"sentiment":"neutral","sentiment_score":-0.023211334867584}],"sentiment":"neutral","sentiment_score":0.16600288115303782,"num_words":97,"start":248.43,"end":271.03998},{"sentences":[{"text":"That's why we'd like to have you look at it at the same time.","start":271.03998,"end":273.59998,"sentiment":"neutral","sentiment_score":0.06459063936823181},{"text":"Because if I'm just telling you all the bits and pieces, sometimes it feels like I'm talking at you.","start":273.59998,"end":277.44,"sentiment":"neutral","sentiment_score":-0.08648318816956721},{"text":"So I don't want that.","start":277.44,"end":279.06,"sentiment":"neutral","sentiment_score":-0.13525482639670372},{"text":"Make it nice and easy so you can take it all in, have a read through, and then let me know whether you're happy to take those recommendations on.","start":279.12,"end":284.925,"sentiment":"neutral","sentiment_score":0.23524627397800313},{"text":"Okay?","start":284.925,"end":285.425,"sentiment":"neutral","sentiment_score":0.14660945534706116}],"sentiment":"neutral","sentiment_score":0.08167008300969268,"num_words":68,"start":271.03998,"end":285.425},{"sentences":[{"text":"Perfect.","start":287.485,"end":287.985,"sentiment":"positive","sentiment_score":0.4765082597732544},{"text":"Down now on page number three, you'll notice we have the scoping of the advice.","start":288.925,"end":292.76498,"sentiment":"neutral","sentiment_score":0.08128676414489747},{"text":"So the areas of this advice document that we have scoped in to make recommendations on our 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able to collect at our last catch up.","start":342.755,"end":347.715,"sentiment":"neutral","sentiment_score":0.04649640992283821},{"text":"Not sure if anything major has changed there.","start":347.715,"end":349.68002,"sentiment":"neutral","sentiment_score":-0.10112565942108631},{"text":"If you can just run your eyes over that one for me just to let me know if there are any major changes at all since we last caught up.","start":349.68002,"end":355.78,"sentiment":"neutral","sentiment_score":0.01618822558472554},{"text":"Oh, I'm sorry.","start":366.175,"end":368.095,"sentiment":"neutral","sentiment_score":-0.014332550888260206}],"sentiment":"neutral","sentiment_score":0.024864183521115933,"num_words":77,"start":337.395,"end":368.095},{"sentences":[{"text":"Sorry.","start":368.095,"end":368.595,"sentiment":"neutral","sentiment_score":-0.04043665528297424},{"text":"No.","start":368.735,"end":369.055,"sentiment":"neutral","sentiment_score":-0.04424276947975159},{"text":"That's 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understand that.","start":495.38498,"end":496.10498,"sentiment":"neutral","sentiment_score":0.060465943068265915},{"text":"Easy.","start":496.10498,"end":496.26498,"sentiment":"neutral","sentiment_score":0.10670097172260284},{"text":"You got your what your main primary residence, the equity loan, and then the investment loan all sort of separated into three.","start":496.26498,"end":501.645,"sentiment":"neutral","sentiment_score":0.03636886814439839}],"sentiment":"neutral","sentiment_score":0.04579092489023294,"num_words":28,"start":494.985,"end":501.645},{"sentences":[{"text":"That's it.","start":505.38,"end":505.86002,"sentiment":"neutral","sentiment_score":0.025509046390652657},{"text":"Yeah.","start":505.86002,"end":506.36002,"sentiment":"neutral","sentiment_score":0.0627259761095047},{"text":"I understand how that works.","start":506.58002,"end":508.02002,"sentiment":"neutral","sentiment_score":0.10520416349172593},{"text":"That's not a problem at 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to.","start":521.40497,"end":531.245,"sentiment":"neutral","sentiment_score":0.30469951814129237},{"text":"Okay?","start":531.245,"end":531.745,"sentiment":"neutral","sentiment_score":0.1311914622783661},{"text":"Perfect.","start":533.29,"end":533.79,"sentiment":"neutral","sentiment_score":0.32356393337249756},{"text":"So scrolling down to the next page there, you will note we do have the superannuation side of things.","start":534.73,"end":540.01,"sentiment":"neutral","sentiment_score":0.1229002095366779}],"sentiment":"neutral","sentiment_score":0.1841416619337943,"num_words":98,"start":511.86002,"end":540.01},{"sentences":[{"text":"So you'll have 24 super is what you've got there at the moment, showing the updated balance as of the date we completed the document.","start":540.01,"end":545.945,"sentiment":"neutral","sentiment_score":0.11250232756137848},{"text":"This document has been dated as of the February 16.","start":546.005,"end":549.06494,"sentiment":"neutral","sentiment_score":0.055489004030823706},{"text":"No insurance is currently held there.","start":550.48505,"end":552.905,"sentiment":"neutral","sentiment_score":-0.0627336719383796},{"text":"And scrolling down is your risk profile.","start":554.24506,"end":556.405,"sentiment":"neutral","sentiment_score":-0.005750335353825774},{"text":"So we obviously did your risk profile questionnaire.","start":556.405,"end":558.645,"sentiment":"neutral","sentiment_score":0.11005481984466314}],"sentiment":"neutral","sentiment_score":0.06841486444630261,"num_words":56,"start":540.01,"end":558.645},{"sentences":[{"text":"I had a really good chat about where things are to.","start":558.645,"end":560.76,"sentiment":"positive","sentiment_score":0.36881318417462433},{"text":"You wanted to look at maybe being a bit more of a high growth investor.","start":560.76,"end":563.66003,"sentiment":"neutral","sentiment_score":0.12444921682278315},{"text":"So that is the profile that we are looking at now when we are looking at the investments for you.","start":563.96,"end":568.84,"sentiment":"neutral","sentiment_score":0.12222458273172379},{"text":"Okay?","start":568.84,"end":569.34,"sentiment":"neutral","sentiment_score":0.18341925740242004},{"text":"Beautiful.","start":570.52,"end":571.02,"sentiment":"positive","sentiment_score":0.6994359493255615}],"sentiment":"neutral","sentiment_score":0.19272979457552233,"num_words":48,"start":558.645,"end":571.02},{"sentences":[{"text":"I'll skip the other couple of pages because they are just a bit more about general information around what a high growth portfolio is.","start":571.64,"end":578.165,"sentiment":"neutral","sentiment_score":0.1465498541171352},{"text":"If you go down to page number 12, this is where the recommendations really sort of start there for you.","start":578.165,"end":583.365,"sentiment":"neutral","sentiment_score":0.11584130339324475},{"text":"So this is the the investment returns recommended.","start":583.365,"end":586.665,"sentiment":"neutral","sentiment_score":0.0761105832643807},{"text":"So the first column there basically shows you your current circumstances.","start":587.72,"end":591.18,"sentiment":"neutral","sentiment_score":0.0917020904069597},{"text":"So you have your hub twenty four super at the moment.","start":591.39996,"end":593.81995,"sentiment":"neutral","sentiment_score":0.11527047983624718}],"sentiment":"neutral","sentiment_score":0.11783250683062785,"num_words":74,"start":571.64,"end":593.81995},{"sentences":[{"text":"You've got your current balance there, and then you've got your administration fees, investment fees, and other fees applicable to the fund there and the ongoing service fee for us as your advisers for helping you work towards your goals of the best retirement you can have, and then your contributions going in.","start":594.04,"end":609.535,"sentiment":"neutral","sentiment_score":0.17738739949352336},{"text":"This is net contributions there as well, and no insurance premiums.","start":609.535,"end":613.315,"sentiment":"neutral","sentiment_score":0.06354449689388275},{"text":"At the moment, you are in a growth portfolio, and we've had to use the three year rolling average for this one because the profile we're putting you into only provided us with a three year rolling average.","start":614.175,"end":624.75,"sentiment":"neutral","sentiment_score":0.03447077599795241},{"text":"But the growth profile that you or portfolio that you have been in has had a a three year rolling average averaging about 14.24% on a yearly basis.","start":624.75,"end":634.065,"sentiment":"neutral","sentiment_score":0.03276785582836185},{"text":"Okay?","start":634.125,"end":634.625,"sentiment":"neutral","sentiment_score":0.028111768886446953}],"sentiment":"neutral","sentiment_score":0.09432078518314671,"num_words":131,"start":594.04,"end":634.625},{"sentences":[{"text":"If we were to keep you in the exact same position with the same profile or portfolio, sorry, over the next five years, if it works the same way that it has over the last three years, then you can end up with a projected amount of 953,646.","start":635.40497,"end":651.11,"sentiment":"neutral","sentiment_score":0.05285337474197149},{"text":"However, we do know investment markets go up and down, and you don't always get that exact return every year.","start":651.11,"end":656.97003,"sentiment":"neutral","sentiment_score":-0.07307505588978529},{"text":"What we are recommending for you is that we do retain Hub 24.","start":659.315,"end":662.915,"sentiment":"neutral","sentiment_score":0.03715363947244791},{"text":"Hub 24 is still an appropriate platform for you.","start":662.915,"end":665.555,"sentiment":"neutral","sentiment_score":0.1305485905872451},{"text":"Hub 24 and particularly the Choice version there actually gives you back to a lot more different investments as per our such.","start":665.555,"end":672.14996,"sentiment":"neutral","sentiment_score":0.16847552223639053}],"sentiment":"neutral","sentiment_score":0.05749872310220131,"num_words":112,"start":635.40497,"end":672.14996},{"sentences":[{"text":"It has about 1,178 different investment options.","start":672.14996,"end":675.29,"sentiment":"neutral","sentiment_score":0.10688550184879984},{"text":"That's in Australia and across the globe.","start":675.75,"end":677.67,"sentiment":"neutral","sentiment_score":0.09874680478657995},{"text":"It ranges every from ETFs managed funds right down to individual shares, which is really cool.","start":677.67,"end":682.81,"sentiment":"positive","sentiment_score":0.5217963345348835},{"text":"And that essentially means that you have access to all these different investment options to be able to have filled and have portfolios that are working for you now, but also being able to alter and change those moving forward.","start":682.87,"end":693.755,"sentiment":"positive","sentiment_score":0.5379045769572258},{"text":"So there's been no major changes to have 24.","start":693.755,"end":696.475,"sentiment":"neutral","sentiment_score":0.15416917618778017}],"sentiment":"positive","sentiment_score":0.4138211792782892,"num_words":79,"start":672.14996,"end":696.475},{"sentences":[{"text":"It's still an appropriate platform and still in your best interest.","start":696.475,"end":699.515,"sentiment":"positive","sentiment_score":0.5925901965661482},{"text":"So we have opted to retain that for you to make it easier.","start":699.515,"end":703.295,"sentiment":"neutral","sentiment_score":0.20832568177810082},{"text":"We are looking to, however, change the the portfolio.","start":705.06,"end":708.12,"sentiment":"neutral","sentiment_score":-0.004513834085729387},{"text":"So one of the reasons it took a little bit longer to do the advice for you, and I do apologize for the delay, but as of sort of late last year, around about November, December, one of your underlying investments in the the Benelung Australian Equities took a bit of a pretty heavy hit.","start":708.5,"end":722.805,"sentiment":"neutral","sentiment_score":-0.18546627414497463},{"text":"One of their underlying investments, Corporate Traveler, had come up.","start":723.105,"end":726.065,"sentiment":"negative","sentiment_score":-0.34432936906814576}],"sentiment":"neutral","sentiment_score":-0.04548813520493556,"num_words":98,"start":696.475,"end":726.065},{"sentences":[{"text":"They've been a bit dishonest to the market.","start":726.065,"end":727.985,"sentiment":"negative","sentiment_score":-0.6159297600388527},{"text":"That was released, and it meant that Benelung had to reevaluate that portion of their investments, which meant that everyone went back and reevaluated Benelon as an investment as well.","start":727.985,"end":737.3,"sentiment":"neutral","sentiment_score":-0.29602674196163814},{"text":"So we certainly did the same thing, and we've decided to move you out of that.","start":737.92,"end":741.83997,"sentiment":"neutral","sentiment_score":-0.22427317779511213},{"text":"So we're not only moving you into the high growth portfolio as per our conversation to allow you to take on a bit more risk in the market to get those greater potential returns.","start":741.83997,"end":750.67505,"sentiment":"neutral","sentiment_score":0.051281966269016266},{"text":"But we're also switching some of the underlying investments to make sure you're invested in a portfolio that has shown greater potential returns and removing underperforming investment option as well.","start":750.67505,"end":761.075,"sentiment":"neutral","sentiment_score":0.04862271286547184}],"sentiment":"neutral","sentiment_score":-0.12029104190483941,"num_words":118,"start":726.065,"end":761.075},{"sentences":[{"text":"Does that make sense?","start":761.075,"end":762.135,"sentiment":"neutral","sentiment_score":0.0685746930539608},{"text":"Yep.","start":763.55005,"end":764.05005,"sentiment":"neutral","sentiment_score":0.2605384886264801},{"text":"Perfect.","start":764.19,"end":764.69,"sentiment":"positive","sentiment_score":0.4346124529838562},{"text":"So you'll see on the bottom of that table, we are moving you into what's called the o l o v six high growth portfolio.","start":765.31,"end":770.69,"sentiment":"neutral","sentiment_score":0.16679758071899414},{"text":"This portfolio over the past three years has actually averaged a return of that 16.73%.","start":771.23004,"end":776.77,"sentiment":"neutral","sentiment_score":0.2971767584482829}],"sentiment":"neutral","sentiment_score":0.20863131757663644,"num_words":46,"start":761.075,"end":776.77},{"sentences":[{"text":"As I did mention before, we don't expect you to get that every year.","start":777.17505,"end":779.97504,"sentiment":"neutral","sentiment_score":-0.05805857931928975},{"text":"We do mark do know markets do react differently on ongoing years, and some years you might get 16 to 20% returns.","start":779.97504,"end":787.09503,"sentiment":"neutral","sentiment_score":-0.033187906850468026},{"text":"Other years you might get a 10 or 15% return.","start":787.09503,"end":789.755,"sentiment":"neutral","sentiment_score":-0.008989239111542702},{"text":"And in a high growth portfolio, we do expect a negative return sort of one in every five years.","start":789.87,"end":794.67,"sentiment":"negative","sentiment_score":-0.37404582453401464},{"text":"So it's about just making sure you're in a portfolio that has had greater potential returns with that, you know, hasn't shown the sort of downturns that Bennelong has had.","start":794.67,"end":804.795,"sentiment":"neutral","sentiment_score":-0.08221140777071317}],"sentiment":"neutral","sentiment_score":-0.11795851949014162,"num_words":95,"start":777.17505,"end":804.795},{"sentences":[{"text":"That way, we're sort of putting you in a position to benefit greatly from that moving forward.","start":805.035,"end":809.995,"sentiment":"neutral","sentiment_score":0.20592247563249924},{"text":"Does that make sense?","start":809.995,"end":811.135,"sentiment":"neutral","sentiment_score":0.10416542738676071},{"text":"Yep.","start":812.315,"end":812.795,"sentiment":"neutral","sentiment_score":0.2893308997154236},{"text":"Perfect.","start":812.795,"end":813.295,"sentiment":"positive","sentiment_score":0.4680862724781037},{"text":"By making the investment switch that well, I'll I'll go through and show you what that looks like.","start":814.555,"end":818.73,"sentiment":"neutral","sentiment_score":0.2543610210220019}],"sentiment":"neutral","sentiment_score":0.22568925233875833,"num_words":41,"start":805.035,"end":818.73},{"sentences":[{"text":"But by making the investment switch there, we do estimate the CGT consequences.","start":818.97,"end":823.07,"sentiment":"neutral","sentiment_score":0.0682648537823787},{"text":"You'll see in the very top there in the difference column, the 3,250.","start":823.13,"end":827.70996,"sentiment":"neutral","sentiment_score":0.07521090341302064},{"text":"You'll see on the underneath the table, we have a bit of a disclaimer, but that's essentially showing you the expected CGT consequences as well as any buy sell costs that will be incurred by the funds by making this switch.","start":828.17,"end":840.495,"sentiment":"neutral","sentiment_score":0.053054878510898205},{"text":"Essentially, it's a small amount to make the switch.","start":841.03503,"end":843.515,"sentiment":"neutral","sentiment_score":0.07562041531006496},{"text":"We're retaining the funds, so it kind of limits the amount of CGT consequences possible.","start":843.515,"end":848.74005,"sentiment":"neutral","sentiment_score":0.006820270170768102}],"sentiment":"neutral","sentiment_score":0.05300354563559477,"num_words":91,"start":818.97,"end":848.74005},{"sentences":[{"text":"However, there is always gonna be some sort of tax consequences when we are switching investments there.","start":849.36005,"end":853.76,"sentiment":"neutral","sentiment_score":-0.08528444916009903},{"text":"So we've tried to limit them as much as possible, but once they make the switch to better performing high growth environment, your funds can work harder and make that money back nice and quick.","start":853.76,"end":863.315,"sentiment":"neutral","sentiment_score":-0.008723905256816319},{"text":"Okay?","start":863.375,"end":863.875,"sentiment":"neutral","sentiment_score":0.11053913831710815},{"text":"Perfect.","start":865.055,"end":865.555,"sentiment":"positive","sentiment_score":0.41881388425827026},{"text":"By making the switch as well, you'll also notice there the administration fees are reduced slightly as well for the first year.","start":866.335,"end":872.735,"sentiment":"neutral","sentiment_score":0.2521806122227149}],"sentiment":"neutral","sentiment_score":0.05687044962848488,"num_words":76,"start":849.36005,"end":872.735},{"sentences":[{"text":"It's about a $3 difference.","start":872.735,"end":874.25,"sentiment":"neutral","sentiment_score":0.10885465294122695},{"text":"Not a huge difference, but every little bit helps these days.","start":874.31,"end":877.43,"sentiment":"neutral","sentiment_score":0.1513665376061743},{"text":"Saving some fees can make a a big difference when you're compounding that forward.","start":877.43,"end":881.53,"sentiment":"neutral","sentiment_score":0.2307249658874103},{"text":"But it also changes the investment fees as well.","start":881.91003,"end":884.55005,"sentiment":"neutral","sentiment_score":0.20408329864343008},{"text":"So we save about $53 on investment fees.","start":884.55005,"end":887.43,"sentiment":"positive","sentiment_score":0.35733395628631115}],"sentiment":"neutral","sentiment_score":0.21563566040168416,"num_words":47,"start":872.735,"end":887.43},{"sentences":[{"text":"So it's nice and cheap there.","start":887.43,"end":890.505,"sentiment":"positive","sentiment_score":0.49707038700580597},{"text":"Other fees within the fund are a little bit higher with some of the investment options that we have chosen.","start":890.885,"end":895.46497,"sentiment":"neutral","sentiment_score":0.02751404922455549},{"text":"However, with when we sort of weighed up the options, getting a better better performing portfolio is, you know, weighing up the options outweigh the cost of the change.","start":895.765,"end":905.95,"sentiment":"neutral","sentiment_score":0.117341339459707},{"text":"So yeah.","start":905.95,"end":907.32996,"sentiment":"neutral","sentiment_score":0.09917465969920158},{"text":"Perfect.","start":907.70996,"end":908.20996,"sentiment":"neutral","sentiment_score":0.07560692727565765}],"sentiment":"neutral","sentiment_score":0.12430273099192257,"num_words":58,"start":887.43,"end":908.20996},{"sentences":[{"text":"You'll also see that the insurance premiums so at the moment, you don't have any insurance premiums paid out of super, but because we have decided to look at the life and TPD component there for you, the insurance premiums, the cost of the first year is $384 deducted from your super fund for those insurances.","start":909.47,"end":924.825,"sentiment":"neutral","sentiment_score":0.03859449537204845},{"text":"Okay?","start":925.125,"end":925.625,"sentiment":"neutral","sentiment_score":0.08454497158527374},{"text":"Perfect.","start":926.405,"end":926.905,"sentiment":"positive","sentiment_score":0.4565052986145019},{"text":"If the fund did perform the way it has over the past three years over the next sort of five years, you could end up with about a million and 56,000.","start":928.005,"end":935.79,"sentiment":"neutral","sentiment_score":0.28194627021589586},{"text":"I honestly don't think we're gonna end up that far, but look at the compounding effect.","start":936.17,"end":939.76996,"sentiment":"neutral","sentiment_score":-0.08247813256457448}],"sentiment":"neutral","sentiment_score":0.09640977396851494,"num_words":105,"start":909.47,"end":939.76996},{"sentences":[{"text":"And with the balance you have at the moment, you could get awfully close to that.","start":939.76996,"end":942.88995,"sentiment":"neutral","sentiment_score":-0.04996053804643452},{"text":"So if you sort of think of your balance at 500 or thousand, someone with a $50,000 balance getting a 5% return, it's gonna be much smaller.","start":942.88995,"end":951.70496,"sentiment":"neutral","sentiment_score":-0.08932338461831764},{"text":"Whereas your balance getting a 5% return is gonna have a greater compounding effect.","start":951.76495,"end":955.925,"sentiment":"neutral","sentiment_score":0.021851425990462303},{"text":"So, I normally am a bit cautious about giving people these kinds of projection figures, but because your balance is so high to begin with, smaller changes make a big difference.","start":955.925,"end":965.08,"sentiment":"neutral","sentiment_score":0.054915053589690115},{"text":"You actually could end up very close to this figure in the next five years.","start":965.08,"end":968.36005,"sentiment":"neutral","sentiment_score":0.22915084660053253}],"sentiment":"neutral","sentiment_score":0.021693682822498304,"num_words":103,"start":939.76996,"end":968.36005},{"sentences":[{"text":"Okay?","start":968.36005,"end":968.86005,"sentiment":"neutral","sentiment_score":0.19823993742465973},{"text":"Yeah.","start":970.60004,"end":971.10004,"sentiment":"neutral","sentiment_score":0.2116166949272156},{"text":"I'd say we'll work on it, and we'll keep we'll we'll we'll keep tracking on to see where we're going.","start":972.12006,"end":976.505,"sentiment":"neutral","sentiment_score":0.1799914486706257},{"text":"I would love it if we could exceed that figure in all honesty.","start":977.925,"end":980.645,"sentiment":"positive","sentiment_score":0.3715182691812515},{"text":"I think you've you worked really hard.","start":980.645,"end":982.485,"sentiment":"neutral","sentiment_score":0.23301639514310019}],"sentiment":"neutral","sentiment_score":0.24929852074100858,"num_words":42,"start":968.36005,"end":982.485},{"sentences":[{"text":"You've got a a really good life ahead of you, and you've got a lot of time before retirement.","start":982.485,"end":986.505,"sentiment":"positive","sentiment_score":0.34778722257990585},{"text":"But when you get there, the fact that you will have worked for so many years, you deserve every bit of retirement you could get.","start":986.645,"end":993.52,"sentiment":"neutral","sentiment_score":0.2348269146680832},{"text":"Perfect.","start":995.58,"end":996.08,"sentiment":"neutral","sentiment_score":0.28857672214508057},{"text":"So that's essentially the super recommendation, just retaining the fund, doing a bit of a switch there.","start":996.86,"end":1001.625,"sentiment":"neutral","sentiment_score":0.1441555842757225},{"text":"It's really important, as we mentioned before, that any recommendations we make are in your best interest.","start":1002.105,"end":1007.005,"sentiment":"neutral","sentiment_score":0.20284082258448882}],"sentiment":"neutral","sentiment_score":0.23628032575302485,"num_words":79,"start":982.485,"end":1007.005},{"sentences":[{"text":"And we do have in through the document, a bit of a best interest duty statement, which outlines the best interest around that.","start":1007.225,"end":1012.985,"sentiment":"neutral","sentiment_score":0.1504257318118344},{"text":"So moving into high growth portfolio was something we discussed.","start":1012.985,"end":1016.77997,"sentiment":"neutral","sentiment_score":0.12613957449793817},{"text":"It aligns along with your goals and objectives.","start":1016.77997,"end":1019.01996,"sentiment":"positive","sentiment_score":0.33414116129279137},{"text":"You're still young.","start":1019.01996,"end":1019.74,"sentiment":"neutral","sentiment_score":0.16191603243350983},{"text":"You wanted to take a bit more risk in the market for greater potential returns, and giving you the high growth portfolio allows for that.","start":1019.74,"end":1026.54,"sentiment":"neutral","sentiment_score":0.33179859578609466}],"sentiment":"neutral","sentiment_score":0.23442072259343189,"num_words":69,"start":1007.225,"end":1026.54},{"sentences":[{"text":"We're aware that markets do fluctuate.","start":1026.54,"end":1028.2999,"sentiment":"neutral","sentiment_score":0.000627285490433375},{"text":"They go up and down.","start":1028.2999,"end":1029.585,"sentiment":"neutral","sentiment_score":-0.05171995759010315},{"text":"And in in the down times moving forward, if you've got a bit of extra money, call me, and we can look at what to do to maximize those downtime.","start":1029.585,"end":1036.165,"sentiment":"neutral","sentiment_score":0.0031892896940310797},{"text":"Okay?","start":1036.305,"end":1036.805,"sentiment":"neutral","sentiment_score":0.03137790784239769},{"text":"For paying, you have 24 is in your best interest as the fund itself is has not had any major changes that are gonna negatively impact you.","start":1038.305,"end":1046.46,"sentiment":"neutral","sentiment_score":0.0591610345851492}],"sentiment":"neutral","sentiment_score":0.021298093586296276,"num_words":69,"start":1026.54,"end":1046.46},{"sentences":[{"text":"And by being able to retain the fund and complete the switch within the fund, we actually are able to reduce the CJT liability from what it would have been if we had have moved to a different fund.","start":1046.46,"end":1057.44,"sentiment":"neutral","sentiment_score":0.2897525273072414},{"text":"Okay?","start":1057.5,"end":1058.0,"sentiment":"neutral","sentiment_score":0.16274990141391754},{"text":"Perfect.","start":1059.245,"end":1059.745,"sentiment":"positive","sentiment_score":0.4785512685775757},{"text":"If you scroll down for me to page number 16, this will sort of show you what we're talking about with regards to the investments there as well.","start":1060.765,"end":1067.825,"sentiment":"neutral","sentiment_score":0.12175553052553109},{"text":"Perfect.","start":1069.4049,"end":1069.9049,"sentiment":"neutral","sentiment_score":0.28970736265182495}],"sentiment":"neutral","sentiment_score":0.22343588503343717,"num_words":70,"start":1046.46,"end":1069.9049},{"sentences":[{"text":"So this is essentially showing you what we will and won't have within the portfolio.","start":1070.9901,"end":1074.53,"sentiment":"neutral","sentiment_score":0.1295386215051015},{"text":"So just going from the top then, we'll essentially be moving all the battery and lithium tech out and all the Benelon Australian equities because that Benelon has been underperforming.","start":1074.75,"end":1083.7301,"sentiment":"neutral","sentiment_score":0.04771984132627646},{"text":"We'll be putting you putting some more money into the bank hybrids there, a bit more of a defensive investment.","start":1084.725,"end":1089.625,"sentiment":"neutral","sentiment_score":0.12886186465620994},{"text":"Some physical gold, which has done really, really well and continues to perform nicely, so topping up that a bit for you.","start":1089.6849,"end":1096.105,"sentiment":"neutral","sentiment_score":0.2958626076579094},{"text":"Some beta shares cybersecurity because cybersecurity is still a great area to have with all the technology and all the changes that we're going through with everything being online.","start":1096.66,"end":1104.98,"sentiment":"neutral","sentiment_score":0.25967221835563925}],"sentiment":"neutral","sentiment_score":0.17233951341617723,"num_words":116,"start":1070.9901,"end":1104.98},{"sentences":[{"text":"It's still a really important area to focus on.","start":1104.98,"end":1107.64,"sentiment":"neutral","sentiment_score":0.22260979645782047},{"text":"And then we'll also be, sorry, moving money out of the core composite bonds there, putting some more into the S and P 500 to giving you some more exposure into the American market.","start":1108.58,"end":1120.495,"sentiment":"neutral","sentiment_score":0.10294864403412622},{"text":"And then we've got removing the VanEck Australian properties, so taking that one completely out.","start":1120.875,"end":1125.775,"sentiment":"neutral","sentiment_score":0.027936183288693427},{"text":"We're putting some into the Aussie 200 there.","start":1126.0,"end":1128.5599,"sentiment":"neutral","sentiment_score":0.1354531515389681},{"text":"It's giving you exposure into the top 200 companies on the ASX.","start":1128.5599,"end":1132.02,"sentiment":"neutral","sentiment_score":0.16425986401736736}],"sentiment":"neutral","sentiment_score":0.11509651788629782,"num_words":78,"start":1104.98,"end":1132.02},{"sentences":[{"text":"Some Australian exposure as well as US exposure is still really important to have.","start":1132.08,"end":1136.5,"sentiment":"neutral","sentiment_score":-0.017024147723402296},{"text":"We'll put some into the India beta shares quality ETF, and then we'll also have some global health care there for you as well.","start":1137.52,"end":1145.225,"sentiment":"neutral","sentiment_score":0.12280018938084443},{"text":"And to replace the Benelung Australian Equities, we're putting into our Finity Australian Share Fund.","start":1145.445,"end":1150.325,"sentiment":"neutral","sentiment_score":0.08740501925349235},{"text":"So it's still keeping the same level of Australian FDs exposure that you would have had within Venalong.","start":1150.325,"end":1157.2101,"sentiment":"neutral","sentiment_score":0.14645322039723396},{"text":"However, putting you into an investment that a a is a little bit cheaper in management fees, but also has shown greater past performance for you.","start":1157.3501,"end":1164.79,"sentiment":"neutral","sentiment_score":0.17277816625741813}],"sentiment":"neutral","sentiment_score":0.11493125830575363,"num_words":97,"start":1132.08,"end":1164.79},{"sentences":[{"text":"Okay?","start":1164.79,"end":1165.29,"sentiment":"neutral","sentiment_score":0.1856151521205902},{"text":"Perfect.","start":1166.8049,"end":1167.3049,"sentiment":"positive","sentiment_score":0.6170841455459595},{"text":"And the last one at the bottom there is the JPMorgan Global Research Enhanced Equity Fund.","start":1167.6849,"end":1172.245,"sentiment":"neutral","sentiment_score":0.2603697218000889},{"text":"This is just giving you access to, again, this global research.","start":1172.245,"end":1175.865,"sentiment":"neutral","sentiment_score":0.2799929244951768},{"text":"JPMorgan utilize their research team looking at their areas of growth and making sure it's global.","start":1176.325,"end":1181.62,"sentiment":"neutral","sentiment_score":0.29447878804057837}],"sentiment":"neutral","sentiment_score":0.28355994721253713,"num_words":45,"start":1164.79,"end":1181.62},{"sentences":[{"text":"So diversification is a great area, and this fund has done quite well as well.","start":1181.62,"end":1186.02,"sentiment":"positive","sentiment_score":0.6539897620677948},{"text":"So keeping that in there for you.","start":1186.02,"end":1187.62,"sentiment":"positive","sentiment_score":0.4174962639808655},{"text":"Does that all makes sense.","start":1187.62,"end":1189.0599,"sentiment":"neutral","sentiment_score":0.249583837389946},{"text":"Do you have any questions about any of those?","start":1189.0599,"end":1190.98,"sentiment":"neutral","sentiment_score":0.06783135649230745},{"text":"I do keep it fairly brief, but if you want me to go, like, a lot deeper, I'm more than happy to.","start":1190.98,"end":1196.0399,"sentiment":"neutral","sentiment_score":0.285144333134998}],"sentiment":"positive","sentiment_score":0.35972236212471437,"num_words":58,"start":1181.62,"end":1196.0399},{"sentences":[{"text":"That's okay.","start":1199.9149,"end":1200.815,"sentiment":"neutral","sentiment_score":0.1753981001675129},{"text":"That's okay.","start":1202.235,"end":1203.1349,"sentiment":"neutral","sentiment_score":0.1608463004231453},{"text":"I just wanna go a bit brief because not everyone's that interested.","start":1203.195,"end":1206.335,"sentiment":"neutral","sentiment_score":0.0359692961598436},{"text":"And I was like, oh, if you need more, you let me know.","start":1206.5549,"end":1209.455,"sentiment":"neutral","sentiment_score":0.03303287565135039},{"text":"Slowly more than happy to send you anything else that you need after you've had a read through there, Sean.","start":1213.5499,"end":1218.2699,"sentiment":"neutral","sentiment_score":-0.017370831314474346}],"sentiment":"neutral","sentiment_score":0.024206757393418526,"num_words":49,"start":1199.9149,"end":1218.2699},{"sentences":[{"text":"Easy.","start":1218.2699,"end":1218.7699,"sentiment":"neutral","sentiment_score":0.044239528477191925},{"text":"Yeah.","start":1220.0299,"end":1220.5299,"sentiment":"neutral","sentiment_score":0.26583850383758545},{"text":"Perfect.","start":1220.59,"end":1221.09,"sentiment":"positive","sentiment_score":0.33546358346939087},{"text":"If you scroll down to the next page, you'll see asset allocation changes.","start":1222.0299,"end":1225.63,"sentiment":"neutral","sentiment_score":0.11567619442939758},{"text":"So in a high growth environment, you generally see about 90% in growth investments, things like the Australian equities, international equities, Australian and international property.","start":1225.63,"end":1234.845,"sentiment":"neutral","sentiment_score":0.10782837986946106}],"sentiment":"neutral","sentiment_score":0.11817174731958204,"num_words":41,"start":1218.2699,"end":1234.845},{"sentences":[{"text":"Alternatives like gold and silver and other precious metals are also considered growth assets as well.","start":1235.385,"end":1240.765,"sentiment":"neutral","sentiment_score":0.10935012018308043},{"text":"And then you would normally see about 10% in defensive investments.","start":1241.5499,"end":1244.6699,"sentiment":"neutral","sentiment_score":0.07138834698972377},{"text":"So we're putting more money into those growth investments growth for greater potential growth there, less into the in defensive investments, which tend to be lower performing just to try and get as much growth as we possibly can while we're young while we have the time ahead of us to do so.","start":1244.6699,"end":1260.095,"sentiment":"neutral","sentiment_score":0.08117550506063227},{"text":"Within your existing portfolio, sorry, you're about 71.63% in growth investments and 19.15% in defensive and then 9.22% in alternatives.","start":1260.875,"end":1273.13,"sentiment":"neutral","sentiment_score":0.18612620048224926},{"text":"So we're gonna increase those growth assets to have 84.48, 8.6 in defensive, and keeping that gold exposure at about 6.92 to 7% there for you.","start":1273.59,"end":1284.605,"sentiment":"neutral","sentiment_score":0.2620392172382428}],"sentiment":"neutral","sentiment_score":0.1378787235386433,"num_words":126,"start":1235.385,"end":1284.605},{"sentences":[{"text":"Okay?","start":1284.605,"end":1285.105,"sentiment":"neutral","sentiment_score":0.14583711326122284},{"text":"Yep.","start":1286.605,"end":1287.085,"sentiment":"neutral","sentiment_score":0.2914702892303467},{"text":"Perfect.","start":1287.085,"end":1287.485,"sentiment":"positive","sentiment_score":0.5823206901550293},{"text":"So it's just increasing those that growth exposure, reducing the amount of defensive investments you have, keeping some alternatives in there to give you a bit of growth, but also defensive.","start":1287.485,"end":1296.93,"sentiment":"neutral","sentiment_score":0.3257188907554073},{"text":"One of the good things in why we keep gold in our portfolios is that it does work both ways.","start":1296.93,"end":1300.9501,"sentiment":"positive","sentiment_score":0.45160309970378876}],"sentiment":"positive","sentiment_score":0.3731291796322222,"num_words":54,"start":1284.605,"end":1300.9501},{"sentences":[{"text":"Having gold, everyone loves it.","start":1301.17,"end":1302.53,"sentiment":"positive","sentiment_score":0.4192909598350525},{"text":"I know I love a bit of gold.","start":1302.53,"end":1304.0701,"sentiment":"positive","sentiment_score":0.482207078486681},{"text":"And then, you know, everyone still has it.","start":1304.6901,"end":1306.77,"sentiment":"positive","sentiment_score":0.37727508693933487},{"text":"It has performed really, really well over the past couple of years, and then it becomes defensive at times when it needs to be as well.","start":1306.77,"end":1312.785,"sentiment":"positive","sentiment_score":0.36691742734267163},{"text":"So if you think back to, like, COVID, a lot of people move money into gold as a bit of a safe haven.","start":1312.785,"end":1317.825,"sentiment":"positive","sentiment_score":0.33510946061300195}],"sentiment":"positive","sentiment_score":0.3745668975370271,"num_words":70,"start":1301.17,"end":1317.825},{"sentences":[{"text":"The GFC is another really good example of that.","start":1317.825,"end":1320.145,"sentiment":"neutral","sentiment_score":0.3113357159826491},{"text":"So that's why we wanna keep that, and that sort of shows you what the expected exposure might look like once we complete this change.","start":1320.145,"end":1328.07,"sentiment":"neutral","sentiment_score":0.21324001312255858},{"text":"Okay?","start":1328.21,"end":1328.71,"sentiment":"neutral","sentiment_score":0.13419756293296814},{"text":"Perfect.","start":1329.73,"end":1330.23,"sentiment":"positive","sentiment_score":0.3882726728916168},{"text":"The next page down is the insurance recommendation.","start":1331.33,"end":1334.07,"sentiment":"neutral","sentiment_score":0.10483941994607449}],"sentiment":"neutral","sentiment_score":0.21577744016593153,"num_words":44,"start":1317.825,"end":1334.07},{"sentences":[{"text":"So when we did your annual review, we noted that you do have your employer paid policy, but we don't really know a lot about how much you are covered for.","start":1334.53,"end":1342.475,"sentiment":"neutral","sentiment_score":0.07379059283243071},{"text":"So one of the things we did talk about was, you know, if anything happened to you with regard to life and total permanent disability, having a bit of money there to maybe cover your mortgage or provide a little bit of additional benefit was important just to kind of allow you to take some time off, pay off the mortgage, you know, without having to worry about how much you were covered for through the employer paid policy because it was so unsure.","start":1342.615,"end":1366.4,"sentiment":"neutral","sentiment_score":0.17326649597712926},{"text":"So I did go back and do a bit of research there.","start":1367.495,"end":1370.0549,"sentiment":"neutral","sentiment_score":0.16995900124311447},{"text":"I have made a recommendation that we do apply for life and CBD through Neos for the sum insured of 384,605.","start":1370.0549,"end":1378.95,"sentiment":"neutral","sentiment_score":0.20268768320480982},{"text":"Essentially, when we sort of spoke, we looked at your mortgage, which was about 498, I believe, above there, and we looked at with your super balance just applying for about $300,000 of life and TBD and then accounting for the tax on TBD of up to 22% there as well.","start":1379.2699,"end":1395.605,"sentiment":"neutral","sentiment_score":0.09322682074179836}],"sentiment":"neutral","sentiment_score":0.1401628706529362,"num_words":199,"start":1334.53,"end":1395.605},{"sentences":[{"text":"So that essentially meant that without accounting for the employer paid policy, because there were so many unknowns there, in the event of you passing away or becoming TPD, you would receive that $300,000 benefit from the TPD.","start":1395.605,"end":1408.91,"sentiment":"neutral","sentiment_score":0.11498205373553853},{"text":"Last, you'll get the full $3.84 paid to your partner.","start":1409.29,"end":1412.27,"sentiment":"neutral","sentiment_score":0.17237021699547767},{"text":"But then your super benefit on top of that can help pay off the rest of the mortgage and then provide some additional living expenses or income replacement there.","start":1412.81,"end":1420.7301,"sentiment":"neutral","sentiment_score":0.19194569001937734},{"text":"Does that kind of ring about?","start":1420.7301,"end":1421.8501,"sentiment":"neutral","sentiment_score":0.08130252982179324},{"text":"Does that make sense, and is that still appropriate?","start":1421.8501,"end":1424.065,"sentiment":"neutral","sentiment_score":0.11496083852317598}],"sentiment":"neutral","sentiment_score":0.14328160813159269,"num_words":92,"start":1395.605,"end":1424.065},{"sentences":[{"text":"Yeah.","start":1424.285,"end":1424.785,"sentiment":"neutral","sentiment_score":0.04838867858052254},{"text":"Yep.","start":1426.365,"end":1426.865,"sentiment":"neutral","sentiment_score":-0.15430277585983276},{"text":"Absolutely.","start":1428.445,"end":1428.945,"sentiment":"neutral","sentiment_score":0.13460896909236908},{"text":"The only sort of thing I do wanna check, though, because you now do have that investment property there with having the extra mortgage, in the event of passing away, do you feel like that amount we are looking to apply for is still gonna be appropriate?","start":1429.485,"end":1441.23,"sentiment":"neutral","sentiment_score":0.02452269561113195},{"text":"Do you think your partner might wanna just sell the investment property or keep it going the way it is, or did you wanna look at a higher amount of life cover?","start":1441.29,"end":1448.97,"sentiment":"neutral","sentiment_score":-0.031737940735183656}],"sentiment":"neutral","sentiment_score":0.0020200910001266295,"num_words":82,"start":1424.285,"end":1448.97},{"sentences":[{"text":"What do you sort of feel about the changes to your circumstances?","start":1448.97,"end":1452.27,"sentiment":"neutral","sentiment_score":-0.03871634121363362},{"text":"Yep.","start":1456.3049,"end":1456.8049,"sentiment":"neutral","sentiment_score":0.18967531621456143},{"text":"Yep.","start":1459.585,"end":1460.085,"sentiment":"neutral","sentiment_score":0.12693500518798828},{"text":"Absolutely.","start":1461.745,"end":1462.245,"sentiment":"neutral","sentiment_score":0.0868963748216629},{"text":"Yep.","start":1462.705,"end":1463.205,"sentiment":"neutral","sentiment_score":0.07673954218626022}],"sentiment":"neutral","sentiment_score":0.0009781339904293418,"num_words":16,"start":1448.97,"end":1463.205},{"sentences":[{"text":"Yep.","start":1463.505,"end":1464.005,"sentiment":"neutral","sentiment_score":0.0366826057434082},{"text":"Yep.","start":1465.6799,"end":1466.1799,"sentiment":"neutral","sentiment_score":0.10861142724752426},{"text":"Perfect.","start":1466.88,"end":1467.38,"sentiment":"positive","sentiment_score":0.5052910447120667},{"text":"Perfect.","start":1467.76,"end":1468.26,"sentiment":"positive","sentiment_score":0.4508805572986603},{"text":"Not a problem at all.","start":1468.32,"end":1469.7,"sentiment":"neutral","sentiment_score":0.224728262424469}],"sentiment":"neutral","sentiment_score":0.24723410523600048,"num_words":9,"start":1463.505,"end":1469.7},{"sentences":[{"text":"So, again, with the TBD, it is the same amount as the life.","start":1469.9199,"end":1472.7999,"sentiment":"neutral","sentiment_score":0.1902981331715217},{"text":"We did gross up the life to match the TBD because we were looking at 300,000 then incorporating the 22% tax.","start":1472.7999,"end":1479.075,"sentiment":"neutral","sentiment_score":0.24302697394575393},{"text":"And the reason we have done that is because it actually makes the policy cheaper.","start":1480.0349,"end":1483.715,"sentiment":"positive","sentiment_score":0.36340041855971017},{"text":"So by linking the life and TPD together, you get access to a multi policy discount there, which helps to make the policy cheaper.","start":1483.715,"end":1490.5349,"sentiment":"neutral","sentiment_score":0.32850935993095237},{"text":"It does essentially mean that in the event of claiming TPD, the funds are paid out, but then because you've linked the TPD to the life, it does cancel the life act to zero.","start":1491.075,"end":1500.84,"sentiment":"neutral","sentiment_score":0.13477527087225633}],"sentiment":"neutral","sentiment_score":0.23827133000454057,"num_words":107,"start":1469.9199,"end":1500.84},{"sentences":[{"text":"So we add the life buyback option, which means that after a TPD claims, so long as you survive generally within twelve months, you'll get a letter to say we're gonna reinstate the life policy, and they reinstate that back to the pre disability or preclaim amount.","start":1500.84,"end":1515.715,"sentiment":"neutral","sentiment_score":0.14382580422023508},{"text":"So you can have your life reinstated and then claim on life cover at at a later time.","start":1515.715,"end":1520.835,"sentiment":"neutral","sentiment_score":0.19638947397470474},{"text":"Does that make sense?","start":1520.835,"end":1521.93,"sentiment":"neutral","sentiment_score":0.11476542986929417},{"text":"Yeah.","start":1523.13,"end":1523.6101,"sentiment":"neutral","sentiment_score":0.2403598129749298},{"text":"Perfect.","start":1523.6101,"end":1524.1101,"sentiment":"positive","sentiment_score":0.7515577077865601}],"sentiment":"neutral","sentiment_score":0.1654338390159775,"num_words":71,"start":1500.84,"end":1524.1101},{"sentences":[{"text":"It's a great way of structuring it to make it a bit cheaper for you, but also making sure you have access to claim because the worst thing in the world is having insurances that you can't claim on.","start":1524.3301,"end":1532.4901,"sentiment":"positive","sentiment_score":0.4814360682398845},{"text":"You're paying all this money for premiums.","start":1532.4901,"end":1534.1101,"sentiment":"neutral","sentiment_score":0.27718354761600494},{"text":"So yep.","start":1534.17,"end":1535.15,"sentiment":"neutral","sentiment_score":0.30055510997772217},{"text":"Perfect.","start":1536.545,"end":1537.045,"sentiment":"positive","sentiment_score":0.6734795570373535},{"text":"Now these are to be structured inside super there.","start":1537.505,"end":1540.0651,"sentiment":"positive","sentiment_score":0.4957194659445021}],"sentiment":"positive","sentiment_score":0.45607511146829044,"num_words":58,"start":1524.3301,"end":1540.0651},{"sentences":[{"text":"That way, you don't have to worry about making the, you know, making the premium payments out of your back pocket to make it easier on you.","start":1540.0651,"end":1547.205,"sentiment":"positive","sentiment_score":0.4987971418433719},{"text":"And we do estimate for the first year's premium to be $451.34.","start":1547.425,"end":1551.58,"sentiment":"neutral","sentiment_score":0.24113503098487854},{"text":"That's how much the insurer actually receives.","start":1551.58,"end":1553.76,"sentiment":"neutral","sentiment_score":0.19828922195093973},{"text":"You will only pay $3.83 64, so $3.84 as per above.","start":1553.98,"end":1558.3999,"sentiment":"neutral","sentiment_score":0.18016257340257819},{"text":"That's because due to the taxation inside suit, you get a better than 15% rebate or a discount on the premium.","start":1558.7,"end":1564.62,"sentiment":"positive","sentiment_score":0.5193564877623603}],"sentiment":"positive","sentiment_score":0.39278772186774474,"num_words":78,"start":1540.0651,"end":1564.62},{"sentences":[{"text":"So you actually pay less than the insurer receives, which is actually kinda cool.","start":1564.62,"end":1568.275,"sentiment":"positive","sentiment_score":0.6583393173558372},{"text":"Yeah.","start":1570.015,"end":1570.515,"sentiment":"positive","sentiment_score":0.46043509244918823},{"text":"Essentially, this recommendation is in your best interest because it was it's covering the amount that you wanted to.","start":1572.255,"end":1577.215,"sentiment":"positive","sentiment_score":0.3341780148054424},{"text":"So it is meeting your goal of making sure that in the event of a TBD claim, after the 22% tax, you can receive the $300,000.","start":1577.215,"end":1585.51,"sentiment":"positive","sentiment_score":0.43668263921370876},{"text":"It's giving you the life cover, and it means that anything you receive on top of that in the event of a TBD claim, if you, you know, claim on this, then you get your super release, and then your employer paid policy pays out a more as well.","start":1585.51,"end":1597.245,"sentiment":"positive","sentiment_score":0.4692841932481649}],"sentiment":"positive","sentiment_score":0.46215818261881486,"num_words":109,"start":1564.62,"end":1597.245},{"sentences":[{"text":"It's just giving you that extra benefit without the stress of the unknown of how much you're actually covered for.","start":1597.245,"end":1603.025,"sentiment":"positive","sentiment_score":0.34702935740351676},{"text":"Okay.","start":1603.085,"end":1603.585,"sentiment":"neutral","sentiment_score":0.15041296184062958},{"text":"Yep.","start":1604.365,"end":1604.865,"sentiment":"neutral","sentiment_score":0.29359960556030273},{"text":"Perfect.","start":1605.485,"end":1605.985,"sentiment":"positive","sentiment_score":0.5507724285125732},{"text":"We haven't looked at any income protection or any trauma, but down the track, if you would like to come and talk about those, I'm more than happy to help you out with that.","start":1606.845,"end":1614.71,"sentiment":"neutral","sentiment_score":0.3097682984217125}],"sentiment":"neutral","sentiment_score":0.3239911279003871,"num_words":57,"start":1597.245,"end":1614.71},{"sentences":[{"text":"I know your income protection with your employer paid policy is all still there as well.","start":1614.71,"end":1619.11,"sentiment":"neutral","sentiment_score":0.24941419437527657},{"text":"But if you ever wanted to look at anything else, just to let me know.","start":1619.11,"end":1621.75,"sentiment":"neutral","sentiment_score":0.10604847470919292},{"text":"I'm more than happy to update or make new recommendations.","start":1621.75,"end":1624.89,"sentiment":"positive","sentiment_score":0.4079288959503174},{"text":"That's what we're here for.","start":1625.11,"end":1626.23,"sentiment":"neutral","sentiment_score":0.2458144396543503},{"text":"Okay?","start":1626.23,"end":1626.73,"sentiment":"neutral","sentiment_score":0.1371012032032013}],"sentiment":"neutral","sentiment_score":0.23461311897064777,"num_words":47,"start":1614.71,"end":1626.73},{"sentences":[{"text":"Perfect.","start":1628.035,"end":1628.535,"sentiment":"positive","sentiment_score":0.35116180777549744},{"text":"Now yes.","start":1629.4751,"end":1630.515,"sentiment":"neutral","sentiment_score":0.035315253771841526},{"text":"So how does it work?","start":1630.515,"end":1632.135,"sentiment":"neutral","sentiment_score":0.005672356486320496},{"text":"Yeah.","start":1641.0901,"end":1641.4901,"sentiment":"neutral","sentiment_score":0.0598786398768425},{"text":"So you absolutely can.","start":1641.4901,"end":1642.6101,"sentiment":"neutral","sentiment_score":0.11022094637155533}],"sentiment":"neutral","sentiment_score":0.0731474248549113,"num_words":13,"start":1628.035,"end":1642.6101},{"sentences":[{"text":"It's just up to a certain limit.","start":1642.6101,"end":1644.29,"sentiment":"neutral","sentiment_score":0.09731949865818024},{"text":"So, generally, income protection only covers you for up to 70% of your current income of pre disability income.","start":1644.29,"end":1651.1101,"sentiment":"neutral","sentiment_score":0.02234498195742306},{"text":"Essentially, if you have an employer paid policy that covers you for over 70%, then you can't claim on a secondary policy.","start":1652.1051,"end":1658.925,"sentiment":"neutral","sentiment_score":0.04714274846694686},{"text":"If you're claiming on a policy that covers less than that 70%, and then you can get some top up policies and claim a bit more, It's just a juggling sort of thing to make sure that what you're what you're paying for is the amount you can claim on, that you're not overinsuring yourself for amounts you can't claim on.","start":1659.385,"end":1676.02,"sentiment":"neutral","sentiment_score":0.04887453451386241},{"text":"But if you wanted to look at that, absolutely come and have a chat to me, and we can talk it through.","start":1676.02,"end":1680.34,"sentiment":"neutral","sentiment_score":0.0988283164121888}],"sentiment":"neutral","sentiment_score":0.055713749469350315,"num_words":131,"start":1642.6101,"end":1680.34},{"sentences":[{"text":"Yeah.","start":1680.34,"end":1680.825,"sentiment":"neutral","sentiment_score":0.19233438372612},{"text":"Absolutely.","start":1682.345,"end":1682.845,"sentiment":"neutral","sentiment_score":0.1392282098531723},{"text":"Yeah.","start":1687.865,"end":1688.365,"sentiment":"positive","sentiment_score":0.3481883108615875},{"text":"Yeah.","start":1690.105,"end":1690.605,"sentiment":"neutral","sentiment_score":0.09600944817066193},{"text":"Yep.","start":1690.745,"end":1691.245,"sentiment":"neutral","sentiment_score":0.06580565869808197}],"sentiment":"neutral","sentiment_score":0.16831320226192475,"num_words":5,"start":1680.34,"end":1691.245},{"sentences":[{"text":"Yeah.","start":1696.36,"end":1696.6799,"sentiment":"neutral","sentiment_score":-0.03508030250668526},{"text":"If you want if you're able to get the information there, Sean, you wanna send it through to me, I can absolutely run it through, have a real good look at it, and break down the details for you just to give you some information.","start":1696.6799,"end":1706.7,"sentiment":"neutral","sentiment_score":0.17906938763076646},{"text":"Yeah.","start":1708.705,"end":1709.205,"sentiment":"neutral","sentiment_score":0.04355311393737793},{"text":"No worries at all.","start":1711.745,"end":1712.785,"sentiment":"neutral","sentiment_score":0.049577576108276844},{"text":"I'll let I I'll email you after the call.","start":1712.785,"end":1714.865,"sentiment":"neutral","sentiment_score":0.061427324182457395}],"sentiment":"neutral","sentiment_score":0.14696252461484013,"num_words":60,"start":1696.36,"end":1714.865},{"sentences":[{"text":"So sorry I get the tongue tied.","start":1714.865,"end":1716.405,"sentiment":"neutral","sentiment_score":-0.11376205352800232},{"text":"I'll email you after the call.","start":1716.5449,"end":1717.825,"sentiment":"neutral","sentiment_score":0.014437209814786911},{"text":"That way, you've got my email there again at the top.","start":1717.825,"end":1720.225,"sentiment":"neutral","sentiment_score":0.10218523307280107},{"text":"If you just wanna grab the information, send it to me.","start":1720.225,"end":1722.6499,"sentiment":"neutral","sentiment_score":0.09898621047084982},{"text":"I'll take some time to read it over, break it down.","start":1722.6499,"end":1725.0499,"sentiment":"neutral","sentiment_score":0.1192386346784505}],"sentiment":"neutral","sentiment_score":0.06119129879643088,"num_words":46,"start":1714.865,"end":1725.0499},{"sentences":[{"text":"I can send you back the information so you understand a bit more about what you what the policy is, what you have.","start":1725.0499,"end":1730.57,"sentiment":"neutral","sentiment_score":0.1304649571361749},{"text":"Easy done.","start":1730.57,"end":1731.47,"sentiment":"neutral","sentiment_score":0.29896582663059235},{"text":"Yeah.","start":1732.4099,"end":1732.9099,"sentiment":"neutral","sentiment_score":0.19969236850738523},{"text":"Easy.","start":1733.13,"end":1733.63,"sentiment":"neutral","sentiment_score":0.3211536109447479},{"text":"Perfect.","start":1733.69,"end":1734.19,"sentiment":"positive","sentiment_score":0.5846306085586548}],"sentiment":"neutral","sentiment_score":0.1680036519787141,"num_words":28,"start":1725.0499,"end":1734.19},{"sentences":[{"text":"The benefits of having this policy are that it is paid out of your super.","start":1734.915,"end":1738.1951,"sentiment":"positive","sentiment_score":0.4860655148824056},{"text":"So you're not having to pay the premiums out of your back pocket.","start":1738.1951,"end":1740.6951,"sentiment":"positive","sentiment_score":0.34554667426989627},{"text":"Structuring your policies this way basically allows you to have a higher sum insured without having to pay the money out of your back pocket.","start":1740.8351,"end":1747.7151,"sentiment":"neutral","sentiment_score":0.287473076581955},{"text":"Living expenses can be extremely high.","start":1747.7151,"end":1749.9751,"sentiment":"neutral","sentiment_score":-0.11481436342000961},{"text":"The disadvantages are that, obviously, paying for insurance premiums out of your super does have an effect on your retirement over the longer term.","start":1750.66,"end":1757.86,"sentiment":"neutral","sentiment_score":-0.3032097431520621}],"sentiment":"neutral","sentiment_score":0.13257826972438627,"num_words":83,"start":1734.915,"end":1757.86},{"sentences":[{"text":"So we do wanna obviously review this with you on a yearly basis, make sure that as you get older, the risk of you making a claim, the insurance premiums actually get more expensive.","start":1757.86,"end":1766.575,"sentiment":"neutral","sentiment_score":-0.1352883430526537},{"text":"So we wanna make sure that these premiums don't get exuberantly expensive, but that the level of cover still matches what you're actually after.","start":1766.635,"end":1774.495,"sentiment":"neutral","sentiment_score":0.007296635148425897},{"text":"Okay?","start":1774.5549,"end":1775.0549,"sentiment":"neutral","sentiment_score":0.08557213842868805},{"text":"Perfect.","start":1776.09,"end":1776.59,"sentiment":"positive","sentiment_score":0.3549284338951111},{"text":"The risks involved, we do have to go through an application in order to have this placed in force.","start":1777.29,"end":1782.89,"sentiment":"neutral","sentiment_score":-0.03270587099618033}],"sentiment":"neutral","sentiment_score":-0.05829867590926116,"num_words":79,"start":1757.86,"end":1782.89},{"sentences":[{"text":"So once you sign the document, return it back to me.","start":1782.89,"end":1785.21,"sentiment":"neutral","sentiment_score":0.08566443588245999},{"text":"I'll get you booked in with our lovely admin team.","start":1785.21,"end":1787.21,"sentiment":"positive","sentiment_score":0.362427793443203},{"text":"They'll go through the insurance application with you.","start":1787.21,"end":1789.755,"sentiment":"neutral","sentiment_score":0.25203160382807255},{"text":"It's just about making sure you've disclosed everything.","start":1789.915,"end":1792.255,"sentiment":"neutral","sentiment_score":0.0954333646222949},{"text":"There's nothing in our records that is really a red flag there at all.","start":1792.795,"end":1796.555,"sentiment":"neutral","sentiment_score":-0.28712628143174307}],"sentiment":"neutral","sentiment_score":0.06522624581760052,"num_words":51,"start":1782.89,"end":1796.555},{"sentences":[{"text":"But if there is anything that comes out on the application, the risks are that they could be loading to exclusions down the track before putting the policy in force.","start":1796.555,"end":1804.43,"sentiment":"neutral","sentiment_score":-0.10227148942649364},{"text":"We'll come back and have a chat if there is any revised terms provided.","start":1804.43,"end":1807.81,"sentiment":"neutral","sentiment_score":0.07797922806016036},{"text":"Okay?","start":1808.03,"end":1808.53,"sentiment":"neutral","sentiment_score":0.10349519550800323},{"text":"Perfect.","start":1809.55,"end":1810.05,"sentiment":"positive","sentiment_score":0.6347120404243469},{"text":"I will let you have a reach for the advantages, disadvantages, and risks involved.","start":1811.2301,"end":1814.8301,"sentiment":"neutral","sentiment_score":0.28357524797320366}],"sentiment":"neutral","sentiment_score":0.04553042029341062,"num_words":60,"start":1796.555,"end":1814.8301},{"sentences":[{"text":"I kinda go through some of them, not to bore you with pages and pages, but feel free to have run your eyes over those.","start":1814.8301,"end":1820.465,"sentiment":"neutral","sentiment_score":0.20669431746006012},{"text":"And if you find you do have any questions there, please do let me know.","start":1820.465,"end":1823.6649,"sentiment":"neutral","sentiment_score":0.24315881927808125},{"text":"Okay.","start":1823.6649,"end":1824.1649,"sentiment":"neutral","sentiment_score":0.3013361692428589},{"text":"Perfect.","start":1825.585,"end":1826.085,"sentiment":"positive","sentiment_score":0.4079940915107727},{"text":"The last part of the recommendations is the estate planning side of things.","start":1827.265,"end":1830.865,"sentiment":"neutral","sentiment_score":0.06506620805997115}],"sentiment":"neutral","sentiment_score":0.18854420347647233,"num_words":55,"start":1814.8301,"end":1830.865},{"sentences":[{"text":"So because we are looking at life insurance through Neos and I had a look at your super fund, you don't have a beneficiary nomination applied as of yet.","start":1830.865,"end":1839.6399,"sentiment":"neutral","sentiment_score":0.016198490842663008},{"text":"So I am making the recommendation.","start":1839.6399,"end":1841.82,"sentiment":"neutral","sentiment_score":0.036794388666749},{"text":"Sorry.","start":1842.0399,"end":1842.36,"sentiment":"neutral","sentiment_score":-0.16289938986301422},{"text":"If you're tracking to it's page 25, I do apologize.","start":1842.36,"end":1845.1,"sentiment":"neutral","sentiment_score":-0.12796689942479134},{"text":"I'm making the recommendation that we apply a binding non lapsing beneficiary nomination to both your life insurance and your hub twenty four super account nominating Jessica.","start":1851.815,"end":1860.3949,"sentiment":"neutral","sentiment_score":0.12342296285485779}],"sentiment":"neutral","sentiment_score":0.035347591498739096,"num_words":73,"start":1830.865,"end":1860.3949},{"sentences":[{"text":"So in the event that anything was to happen, having these onboard means that the trustee is down to follow your direction and non lapsing essentially means that you don't have to fill out these forms continuously unless your circumstances change.","start":1860.5349,"end":1873.95,"sentiment":"neutral","sentiment_score":0.12537109724632123},{"text":"So as long as the the nomination is valid and we'll help you to make sure it is valid, then in the event of something happening, Jessica just needs to contact us, and we will help her with the claim.","start":1873.95,"end":1884.865,"sentiment":"neutral","sentiment_score":0.27376704309135674},{"text":"I always find it really important to make mention to have our number somewhere.","start":1884.925,"end":1888.605,"sentiment":"neutral","sentiment_score":0.21272138080426625},{"text":"I know we do send out business cards.","start":1888.605,"end":1890.3,"sentiment":"neutral","sentiment_score":0.21800262294709682},{"text":"Happy to organize another one if you need to.","start":1890.3,"end":1892.6201,"sentiment":"positive","sentiment_score":0.42695477936002946}],"sentiment":"neutral","sentiment_score":0.22013937535562686,"num_words":112,"start":1860.5349,"end":1892.6201},{"sentences":[{"text":"But just having it on the fridge or someone somewhere close means that in the event that something happens, Jessica can call us and go, hey.","start":1892.78,"end":1899.76,"sentiment":"neutral","sentiment_score":0.13233518084654441},{"text":"I am, Sean's partner.","start":1899.8201,"end":1901.8401,"sentiment":"neutral","sentiment_score":0.11629309691488743},{"text":"Certainly, this has happened.","start":1902.2201,"end":1903.4401,"sentiment":"neutral","sentiment_score":0.14622102119028568},{"text":"We need to make a claim.","start":1903.5,"end":1904.8,"sentiment":"neutral","sentiment_score":0.23244830965995789},{"text":"And, you know, with your life insurance and things like that, we will help her with the claim process to be nice and easy.","start":1904.995,"end":1910.615,"sentiment":"positive","sentiment_score":0.37583906824390095}],"sentiment":"neutral","sentiment_score":0.2328999792225659,"num_words":64,"start":1892.78,"end":1910.615},{"sentences":[{"text":"Okay?","start":1910.6749,"end":1911.1749,"sentiment":"neutral","sentiment_score":0.28854694962501526},{"text":"Perfect.","start":1912.835,"end":1913.335,"sentiment":"positive","sentiment_score":0.6630539894104004},{"text":"We also do make the recommendation in here that you do establish a will and power of attorney.","start":1914.115,"end":1918.23,"sentiment":"neutral","sentiment_score":0.2964281423224343},{"text":"Having the beneficiary nominations on your super is great because that obviously covers your super in the event that something happens.","start":1918.37,"end":1924.7899,"sentiment":"positive","sentiment_score":0.4144280141308194},{"text":"However, all of your other assets outside of super are just as important, investment properties, your properties, your savings, your cars, your couches, everything.","start":1925.33,"end":1933.5651,"sentiment":"neutral","sentiment_score":0.14514236509179076}],"sentiment":"neutral","sentiment_score":0.28421096245829874,"num_words":65,"start":1910.6749,"end":1933.5651},{"sentences":[{"text":"So having your will done up with us listed is a really important way of protecting all your other assets, and having a power of attorney is just as important.","start":1934.425,"end":1941.885,"sentiment":"positive","sentiment_score":0.3446868538856506},{"text":"It's about making sure that in the event that you're unable to make decisions on your own behalf, that you have an attorney that's nominated someone you trust and that someone who knows what your wishes are.","start":1942.185,"end":1952.51,"sentiment":"neutral","sentiment_score":0.20227032114525098},{"text":"One of the biggest funds is, like, incapacity due to medical.","start":1952.51,"end":1955.71,"sentiment":"neutral","sentiment_score":-0.14691266485235907},{"text":"Someone's had an injury or an illness, and they're not able to make decisions.","start":1955.71,"end":1959.39,"sentiment":"neutral","sentiment_score":-0.1887793934770993},{"text":"They're in a coma or something's happened, and having that power of attorney to be enacted by your attorney means that you've given them direction on what you want them or how you want them to act if in the event that you're unable to act on your own behalf.","start":1959.39,"end":1972.3551,"sentiment":"neutral","sentiment_score":0.0634924542158842}],"sentiment":"neutral","sentiment_score":0.11788929146255406,"num_words":142,"start":1934.425,"end":1972.3551},{"sentences":[{"text":"So the small major things, but they they make make a really big difference.","start":1972.3551,"end":1977.07,"sentiment":"neutral","sentiment_score":0.18250050129634993},{"text":"And I always think having paying for a solicitor to drop a will and power of attorney is really putting a bit more of invested in yourself and and your future and making sure that you're protected as well.","start":1977.07,"end":1988.0299,"sentiment":"neutral","sentiment_score":0.306097421508569},{"text":"Okay?","start":1988.0299,"end":1988.5299,"sentiment":"neutral","sentiment_score":0.11550306528806686},{"text":"Perfect.","start":1990.355,"end":1990.855,"sentiment":"positive","sentiment_score":0.5440403819084167},{"text":"As part of the implementation, once you're happy to take on the advice, we'll get you to sign and return it back.","start":1991.5549,"end":1997.015,"sentiment":"neutral","sentiment_score":0.24280321936715732}],"sentiment":"neutral","sentiment_score":0.2661561133799615,"num_words":77,"start":1972.3551,"end":1997.015},{"sentences":[{"text":"Essentially, what we'll do is we'll start by just doing the investment switch for you.","start":1997.155,"end":2000.835,"sentiment":"neutral","sentiment_score":0.27388164699077605},{"text":"We do all that online.","start":2000.835,"end":2002.0349,"sentiment":"neutral","sentiment_score":0.3201430529356003},{"text":"It's nice and easy.","start":2002.0349,"end":2003.255,"sentiment":"positive","sentiment_score":0.47911661863327026},{"text":"We'll then book you in to go through the insurance application with you.","start":2003.64,"end":2006.92,"sentiment":"neutral","sentiment_score":0.30555208371235776},{"text":"One of our beautiful admin team will go through those questions nice and easy.","start":2006.92,"end":2010.4601,"sentiment":"positive","sentiment_score":0.6763555960995811}],"sentiment":"positive","sentiment_score":0.41306984073975506,"num_words":51,"start":1997.155,"end":2010.4601},{"sentences":[{"text":"We then send that off to the underwriters.","start":2011.0,"end":2012.7001,"sentiment":"positive","sentiment_score":0.359591668471694},{"text":"They'll assess the application so long as there's nothing that causes a red flag.","start":2012.84,"end":2016.28,"sentiment":"neutral","sentiment_score":0.13380930625966617},{"text":"So I've seen applications go in very, very quickly.","start":2016.28,"end":2018.9401,"sentiment":"neutral","sentiment_score":0.28280206355783677},{"text":"I've also seen them take a couple of weeks, so, hopefully, not as easy one for you.","start":2018.955,"end":2023.375,"sentiment":"neutral","sentiment_score":0.12337745791848968},{"text":"We then also send out your beneficiary nominations.","start":2023.9149,"end":2026.975,"sentiment":"neutral","sentiment_score":0.1724821152165532}],"sentiment":"neutral","sentiment_score":0.19236706988886,"num_words":56,"start":2011.0,"end":2026.975},{"sentences":[{"text":"We can help to have them filled out.","start":2027.0349,"end":2028.875,"sentiment":"neutral","sentiment_score":0.31657854095101357},{"text":"They just need to be witnessed by someone that's not the beneficiary or not not the beneficiary person.","start":2028.875,"end":2034.235,"sentiment":"neutral","sentiment_score":0.056784232871399984},{"text":"So Jessica couldn't essentially be a witness for you because she is the person we're nominating.","start":2034.235,"end":2040.85,"sentiment":"neutral","sentiment_score":0.08365487703122199},{"text":"Designed by two witnesses to make it nice and easy, and then we can also send out a referral for you for a solicitor to give you some information around setting up a will, costing, things like that.","start":2042.75,"end":2053.215,"sentiment":"positive","sentiment_score":0.3827406379737352},{"text":"And if you would like a referral on, we're happy to help you with that as well.","start":2053.215,"end":2056.895,"sentiment":"positive","sentiment_score":0.5152796471820158}],"sentiment":"neutral","sentiment_score":0.2906919669782378,"num_words":97,"start":2027.0349,"end":2056.895},{"sentences":[{"text":"Okay?","start":2056.895,"end":2057.395,"sentiment":"neutral","sentiment_score":0.1937023252248764},{"text":"Perfect.","start":2059.135,"end":2059.635,"sentiment":"positive","sentiment_score":0.6787681579589844},{"text":"The only other thing to kinda make mention of is the advice is provided fully complimentary to yourself.","start":2059.775,"end":2064.99,"sentiment":"positive","sentiment_score":0.36451054447227055},{"text":"There's no upfront fees for the advice.","start":2064.99,"end":2066.99,"sentiment":"neutral","sentiment_score":0.22171734699181148},{"text":"It's all part of you being an ongoing client.","start":2066.99,"end":2069.17,"sentiment":"positive","sentiment_score":0.36367011070251465}],"sentiment":"positive","sentiment_score":0.3405197974708345,"num_words":36,"start":2056.895,"end":2069.17},{"sentences":[{"text":"As an ongoing client, you do pay an ongoing service fee for our services.","start":2069.5498,"end":2072.91,"sentiment":"neutral","sentiment_score":0.20811259852988379},{"text":"That's including updating the advice.","start":2072.91,"end":2074.5098,"sentiment":"neutral","sentiment_score":0.236744424700737},{"text":"So working towards your goals of having the best of time that you can possibly have at the age of 60 there.","start":2074.5098,"end":2080.045,"sentiment":"positive","sentiment_score":0.37230193276296963},{"text":"The ongoing service fee is 1.65% per annum.","start":2080.665,"end":2083.945,"sentiment":"neutral","sentiment_score":0.10451164748519659},{"text":"It is calculated and deducted from your super in smaller monthly increments.","start":2083.945,"end":2087.4648,"sentiment":"neutral","sentiment_score":0.09974990133196115}],"sentiment":"neutral","sentiment_score":0.23477103310774583,"num_words":61,"start":2069.5498,"end":2087.4648},{"sentences":[{"text":"So it does fluctuate with the market, but we wanna obviously make sure the market's moving the best they possibly can.","start":2087.4648,"end":2092.67,"sentiment":"neutral","sentiment_score":0.19997960364534742},{"text":"I do also have to disclose that with insurance recommendations, we do receive remuneration for those from the insurance company.","start":2093.53,"end":2100.51,"sentiment":"neutral","sentiment_score":0.009560729749500752},{"text":"It's not paid by you in any way, shape, or form and has no effect on my recommendations.","start":2100.57,"end":2104.59,"sentiment":"neutral","sentiment_score":-0.1025610582696067},{"text":"My recommendations have to be in your best interest.","start":2104.89,"end":2107.705,"sentiment":"neutral","sentiment_score":0.11125013066662683},{"text":"And that's why through the document, we note the best interest duty there for you.","start":2107.705,"end":2111.4849,"sentiment":"neutral","sentiment_score":0.1621607944369316}],"sentiment":"neutral","sentiment_score":0.07202831705112055,"num_words":83,"start":2087.4648,"end":2111.4849},{"sentences":[{"text":"With the premiums, we do expect it's just 66% of the first year's premium and 22%, they're ongoing.","start":2112.7449,"end":2119.725,"sentiment":"neutral","sentiment_score":0.08046363935702378},{"text":"So we have disclosed that inside this document on the last few pages there for you as well.","start":2119.785,"end":2124.27,"sentiment":"neutral","sentiment_score":0.06904569164746338},{"text":"Does that all make sense?","start":2124.27,"end":2125.47,"sentiment":"neutral","sentiment_score":0.0945699080824852},{"text":"Do you have any questions for me at the moment?","start":2125.47,"end":2127.65,"sentiment":"neutral","sentiment_score":0.03447473607957363},{"text":"Yep.","start":2129.95,"end":2130.45,"sentiment":"positive","sentiment_score":0.34236106276512146}],"sentiment":"neutral","sentiment_score":0.07406011388565485,"num_words":52,"start":2112.7449,"end":2130.45},{"sentences":[{"text":"Perfect.","start":2130.5898,"end":2131.0898,"sentiment":"positive","sentiment_score":0.5839449763298035},{"text":"That is basically everything I needed to run through with you.","start":2131.47,"end":2134.27,"sentiment":"positive","sentiment_score":0.3650873520157554},{"text":"We do have, sorry, attached to that, the quote for you to run your eyes over.","start":2134.27,"end":2138.425,"sentiment":"neutral","sentiment_score":0.15953335911035538},{"text":"I've also got a whole bunch of other documents attached there, the appendices, the PDF doc PDF documents if you're interested in having a look at the fraud disclosure statements.","start":2138.8052,"end":2147.5251,"sentiment":"neutral","sentiment_score":0.13466922119259833},{"text":"The financial services guide for us has been updated recently, and there's some nice photos of all of us and all of my information in there as well.","start":2147.5251,"end":2155.58,"sentiment":"neutral","sentiment_score":0.2976973567690168}],"sentiment":"neutral","sentiment_score":0.22707025836720024,"num_words":86,"start":2130.5898,"end":2155.58},{"sentences":[{"text":"But, yeah, feel free to have a read through those.","start":2155.96,"end":2157.72,"sentiment":"neutral","sentiment_score":0.23888855576515197},{"text":"Once you're happy to take on the recommendations, we'll get you to sign and return it back, and we'll get this moving for you nice and quickly.","start":2157.72,"end":2163.5,"sentiment":"positive","sentiment_score":0.47501470645268756},{"text":"Okay?","start":2163.56,"end":2164.06,"sentiment":"neutral","sentiment_score":0.1667582392692566},{"text":"There you go.","start":2166.185,"end":2170.5784,"sentiment":"neutral","sentiment_score":0.0659472073117892},{"text":"Absolutely.","start":2172.0251,"end":2172.5251,"sentiment":"neutral","sentiment_score":0.11360268294811247}],"sentiment":"positive","sentiment_score":0.37363059942921,"num_words":42,"start":2155.96,"end":2172.5251},{"sentences":[{"text":"No.","start":2173.7852,"end":2174.185,"sentiment":"neutral","sentiment_score":0.08391793072223663},{"text":"Perfect.","start":2174.185,"end":2174.685,"sentiment":"neutral","sentiment_score":0.1658197045326233},{"text":"In the background, I'll go and update your investment information there for you, But thank you so much for that.","start":2174.745,"end":2180.67,"sentiment":"neutral","sentiment_score":0.3055942736566067},{"text":"I really appreciate you taking the time to run through this with me today.","start":2180.67,"end":2183.71,"sentiment":"positive","sentiment_score":0.6142809135573251},{"text":"If there are any questions, let me know.","start":2183.71,"end":2185.31,"sentiment":"neutral","sentiment_score":0.22771421074867249}],"sentiment":"positive","sentiment_score":0.3814379450949756,"num_words":44,"start":2173.7852,"end":2185.31},{"sentences":[{"text":"I will email you after the call just with that document there so you can send it through whenever you're ready.","start":2185.31,"end":2190.11,"sentiment":"neutral","sentiment_score":0.2916294889790671},{"text":"It doesn't have to be now.","start":2190.11,"end":2190.99,"sentiment":"neutral","sentiment_score":0.17935153593619665},{"text":"It's, you know, whenever you've got time, and I can happily break that down for you.","start":2190.99,"end":2195.095,"sentiment":"positive","sentiment_score":0.3793876003473997},{"text":"It's part of what we do.","start":2195.095,"end":2196.135,"sentiment":"positive","sentiment_score":0.38413965702056885},{"text":"We're here to support you, provide advice, but also here to give you information and help you to decipher things if you need them as well.","start":2196.135,"end":2202.375,"sentiment":"positive","sentiment_score":0.36116769222112804}],"sentiment":"neutral","sentiment_score":0.33287637372811635,"num_words":75,"start":2185.31,"end":2202.375},{"sentences":[{"text":"So feel free to use me to your full advantage.","start":2202.375,"end":2204.9348,"sentiment":"positive","sentiment_score":0.390834641456604},{"text":"And if you find anyone else who wants to review their super, have a look at what they can do, please feel free to pass on my information.","start":2204.9348,"end":2211.8198,"sentiment":"neutral","sentiment_score":0.3236938768199512},{"text":"Happy to have a chat to anyone.","start":2211.8198,"end":2213.52,"sentiment":"positive","sentiment_score":0.6085523962974548},{"text":"Can you see?","start":2215.5,"end":2216.38,"sentiment":"neutral","sentiment_score":0.2842593491077423},{"text":"No worries at all, Sean.","start":2216.38,"end":2217.8198,"sentiment":"neutral","sentiment_score":0.16684117913246155}],"sentiment":"positive","sentiment_score":0.35695520155834704,"num_words":53,"start":2202.375,"end":2217.8198},{"sentences":[{"text":"Do you have any questions that you wanted me to sort of break down?","start":2217.8198,"end":2220.795,"sentiment":"neutral","sentiment_score":0.07502174404050622},{"text":"Did you have anything you wanted me to sort of go through in a bit more further detail for you?","start":2220.875,"end":2224.875,"sentiment":"neutral","sentiment_score":0.06229039095342159},{"text":"Or Beautiful.","start":2224.875,"end":2229.6948,"sentiment":"positive","sentiment_score":0.38712640292942524},{"text":"Perfect.","start":2232.2349,"end":2232.7349,"sentiment":"positive","sentiment_score":0.36823222041130066},{"text":"Absolutely.","start":2234.3398,"end":2234.8398,"sentiment":"positive","sentiment_score":0.36921799182891846}],"sentiment":"neutral","sentiment_score":0.10020566457196285,"num_words":38,"start":2217.8198,"end":2234.8398},{"sentences":[{"text":"Yeah.","start":2236.5,"end":2237.0,"sentiment":"neutral","sentiment_score":0.07023920118808746},{"text":"Yeah.","start":2240.66,"end":2240.98,"sentiment":"neutral","sentiment_score":0.30869626998901367},{"text":"Perfect.","start":2240.98,"end":2241.48,"sentiment":"positive","sentiment_score":0.4657204747200012},{"text":"Perfect.","start":2242.3398,"end":2242.8398,"sentiment":"positive","sentiment_score":0.410163551568985},{"text":"Well, thank you so much for your 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later.","start":2256.7651,"end":2257.485,"sentiment":"positive","sentiment_score":0.49910428126653034}],"sentiment":"positive","sentiment_score":0.49341378048543005,"num_words":31,"start":2245.725,"end":2257.485},{"sentences":[{"text":"Bye.","start":2257.485,"end":2257.985,"sentiment":"neutral","sentiment_score":0.2782163619995117}],"sentiment":"neutral","sentiment_score":0.2782163619995117,"num_words":1,"start":2257.485,"end":2257.985}]}}]},{"alternatives":[{"transcript":"Hello? Yeah. I'm good. Thanks. How are you? Yes. Sounds good. Yes. Yeah. That's Yeah. No worries. Sean Michael Mulee. Thirtieth of the sixth Eighty three. Forty nine Biltmore Street Land Sale. Yep. No worries. It's all good. I'm just gonna load it up on my iPad, so it just needs to wake up a bit. Not much of a break, to be honest. I work away, so I didn't have any extra time off, but I'm about to go on. I've got one more swing, and then I'm on long service leave. So I'll have just shy of four months off, so I can't complain. Yeah. No. Traveling for sure. Yeah. We've got yeah. Yeah. Got a caravan. So, yeah, we are making our way across. So yeah. Yep. Yeah. Of course. It'll be, yeah, back to back to reality after that. But after, yeah, four months, I think, yeah, won't be a bad thing. So yeah. That's it. We're not sure yet. So we'll just play it by ear and yeah. Yeah. We've got a bit of an itinerary. So, yeah, just all the way across and basically up to Cairns, and then we'll make our way back. So, yeah, it's pretty full on. So, yeah, it's a big trip. So yeah. Yeah. That's it. Definitely. So I'll never get this time off much time off again. So yeah. Yeah. Yeah. I've just got that now. So yep. Hold on. Yep. That's all good. Yep. Yep. Yep. Yep. Cool. Yeah. Cool. Sounds good. Yep. Yep. Yep. Yep. Cool. Yep. Yep. Yep. No. That's pretty all good. My date of birth, just a day out. It's thirty for the June '3, but that that doesn't mean that's alright. Sure. No. It doesn't bother me. I don't think it matters. It's just a just a number I just noticed. Hang on. No. That's all good. No. No worries. Just have an investment property now. So, yes, probably just wanna add that one in, I guess. Yep. I think it was August. Yep. I bought it for $8.64, I think it was. So, yeah, probably around that. I'll see. I it's around $9.20, I believe, because it was somewhere around that. Yeah. Yes. My loan has freeze, but, yeah, just the just use the equity basically on the property. So I've actually got yeah. I've got two loans on this investment probably. It's the way they had to work it. So yeah. Yeah. Yep. Yeah. Yep. I mean, that's what it is. Yeah. Cool. Yep. Yep. No worries. Yep. Yep. Yep. Yep. Cool. Sounds good. Yep. Yeah. Yep. Yep. Yep. Okay. Yeah. Yep. Yeah. No. That's it. Two. Cool. Sir? Yep. Sounds good. Yeah. Yeah. Sounds good. Yes. Yep. Cool. Sounds good. Yep. Yep. No worries. Yep. No worries. Yeah. Yep. That'd be great. Yeah. Sure. Yeah. Yeah. That's it. For sure. Yeah. Yes. Yeah. Oh, sounds good. Yep. Yep. Yeah. Yep. Yep. Yep. Yep. Yep. Cool. Yep. No. No. It's all good. I have to trust me. Trust me. Love it. Yeah. Yeah. No. I can always look into what they actually are, but, yeah, it's not no. Sounds good. It's all good. Yeah. Cool. Yeah. Yep. No worries. Yeah. Yeah. Yep. Co. Yep. Yep. Yep. Yeah. Yep. Yeah. I think so. It's gonna hurt today a bit more, I think. So yeah. I think just stick with this, and then, you know, it gives enough breathing space to make decisions on that if it comes to that. So, yeah, it's just be a a sell, I think. Yeah. Yeah. Oh, yep. That sounds good. Yeah. Yep. That's it. Yep. Yep. Oh, it's fine. Oh, that's good. Yeah. No. Sounds good. Yep. Yep. Cool. Sounds good. Just just sorry. Just with the if I did go income protection, then say you could could you claim to lots of income protection or, like, if you get it through the work, or how does that work? Yeah. Yep. Yeah. Alright. Cool. I think it's I've gotta check. I have looked at it, and some of our guys have actually been on it. So it is pretty good. I think it's just a thirty day policy. And then after that, you can get it's either 70 maybe it's $7.75. I'm not sure. Yeah. What's what's that? Yeah. No worries. I'll I'll try I'll try and go down that road again. No. That sounds good. Oh, no worries. Yeah. Cool. Sounds good. Yep. Cool. No worries. Yep. That's all good. Hold on a minute. Yeah. That's all good. One moment there. I was just Yeah. Yeah. Yeah. Yep. Yep. Cool. Sounds good. Yeah. Yep. Yeah. Yep. No worries. Sounds good. Yeah. No worries. Yeah. Yep. No worries. Yep. Yep. Cool. Yeah. No. That's all good. No worries. Sounds good. Yeah. I've just gotta sort out my will and everything, which, yeah, I probably do when I get back from that trip. So yeah. Yep. Yep. Yeah. Yes. So easy. Sounds good. No. It's all still pretty good. Yeah. I'm pretty happy to go through and, yeah, just having another look through the numbers and yeah. So it's more than roughly. Yeah. It's been about 14% over a few years, which is good. So happy with that. Yeah. Yep. All good. No worries. Thank you. Thank you. No worries. Thanks for the call. Same to you. Cheers. Good one. Thanks. 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Yeah. I'm good. Thanks. How are you?\n\nYes. Sounds good. Yes. Yeah. That's Yeah.\n\nNo worries. Sean Michael Mulee. Thirtieth of the sixth Eighty three. Forty nine Biltmore Street Land Sale. Yep.\n\nNo worries. It's all good. I'm just gonna load it up on my iPad, so it just needs to wake up a bit. Not much of a break, to be honest. I work away, so I didn't have any extra time off, but I'm about to go on.\n\nI've got one more swing, and then I'm on long service leave. So I'll have just shy of four months off, so I can't complain. Yeah. No. Traveling for sure.\n\nYeah. We've got yeah. Yeah. Got a caravan. So, yeah, we are making our way across.\n\nSo yeah. Yep. Yeah. Of course. It'll be, yeah, back to back to reality after that.\n\nBut after, yeah, four months, I think, yeah, won't be a bad thing. So yeah. That's it. We're not sure yet. So we'll just play it by ear and yeah.\n\nYeah. We've got a bit of an itinerary. So, yeah, just all the way across and basically up to Cairns, and then we'll make our way back. So, yeah, it's pretty full on. So, yeah, it's a big trip.\n\nSo yeah. Yeah. That's it. Definitely. So I'll never get this time off much time off again.\n\nSo yeah. Yeah. Yeah. I've just got that now. So yep.\n\nHold on. Yep. That's all good. Yep. Yep.\n\nYep. Yep. Cool. Yeah. Cool.\n\nSounds good. Yep. Yep. Yep. Yep.\n\nCool. Yep. Yep. Yep. No.\n\nThat's pretty all good. My date of birth, just a day out. It's thirty for the June '3, but that that doesn't mean that's alright. Sure. No.\n\nIt doesn't bother me. I don't think it matters. It's just a just a number I just noticed. Hang on. No.\n\nThat's all good. No. No worries. Just have an investment property now. So, yes, probably just wanna add that one in, I guess.\n\nYep. I think it was August. Yep. I bought it for $8.64, I think it was. So, yeah, probably around that.\n\nI'll see. I it's around $9.20, I believe, because it was somewhere around that. Yeah. Yes. My loan has freeze, but, yeah, just the just use the equity basically on the property.\n\nSo I've actually got yeah. I've got two loans on this investment probably. It's the way they had to work it. So yeah. Yeah.\n\nYep. Yeah. Yep. I mean, that's what it is. Yeah.\n\nCool. Yep. Yep. No worries. Yep.\n\nYep. Yep. Yep. Cool. Sounds good.\n\nYep. Yeah. Yep. Yep. Yep.\n\nOkay. Yeah. Yep. Yeah. No.\n\nThat's it. Two. Cool. Sir? Yep.\n\nSounds good. Yeah. Yeah. Sounds good. Yes.\n\nYep. Cool. Sounds good. Yep. Yep.\n\nNo worries. Yep. No worries. Yeah. Yep.\n\nThat'd be great. Yeah. Sure. Yeah. Yeah.\n\nThat's it. For sure. Yeah. Yes. Yeah.\n\nOh, sounds good. Yep. Yep. Yeah. Yep.\n\nYep. Yep. Yep. Yep. Cool.\n\nYep. No. No. It's all good. I have to trust me.\n\nTrust me. Love it. Yeah. Yeah. No.\n\nI can always look into what they actually are, but, yeah, it's not no. Sounds good. It's all good. Yeah. Cool.\n\nYeah. Yep. No worries. Yeah. Yeah.\n\nYep. Co. Yep. Yep. Yep.\n\nYeah. Yep. Yeah. I think so. It's gonna hurt today a bit more, I think.\n\nSo yeah. I think just stick with this, and then, you know, it gives enough breathing space to make decisions on that if it comes to that. So, yeah, it's just be a a sell, I think. Yeah. Yeah.\n\nOh, yep. That sounds good. Yeah. Yep. That's it.\n\nYep. Yep. Oh, it's fine. Oh, that's good. Yeah.\n\nNo. Sounds good. Yep. Yep. Cool.\n\nSounds good. Just just sorry. Just with the if I did go income protection, then say you could could you claim to lots of income protection or, like, if you get it through the work, or how does that work? Yeah. Yep.\n\nYeah. Alright. Cool. I think it's I've gotta check. I have looked at it, and some of our guys have actually been on it.\n\nSo it is pretty good. I think it's just a thirty day policy. And then after that, you can get it's either 70 maybe it's $7.75. I'm not sure. Yeah.\n\nWhat's what's that? Yeah. No worries. I'll I'll try I'll try and go down that road again. No.\n\nThat sounds good. Oh, no worries. Yeah. Cool. Sounds good.\n\nYep. Cool. No worries. Yep. That's all good.\n\nHold on a minute. Yeah. That's all good. One moment there. I was just Yeah.\n\nYeah. Yeah. Yep. Yep. Cool.\n\nSounds good. Yeah. Yep. Yeah. Yep.\n\nNo worries. Sounds good. Yeah. No worries. Yeah.\n\nYep. No worries. Yep. Yep. Cool.\n\nYeah. No. That's all good. No worries. Sounds good.\n\nYeah. I've just gotta sort out my will and everything, which, yeah, I probably do when I get back from that trip. So yeah. Yep. Yep.\n\nYeah. Yes. So easy. Sounds good. No.\n\nIt's all still pretty good. Yeah. I'm pretty happy to go through and, yeah, just having another look through the numbers and yeah. So it's more than roughly. Yeah.\n\nIt's been about 14% over a few years, which is good. So happy with that. Yeah. Yep. All good.\n\nNo worries. Thank you. Thank you. No worries. Thanks for the call.\n\nSame to you. Cheers. Good one. Thanks. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.1999999,"end":1.6999999,"sentiment":"neutral","sentiment_score":0.02797584608197212},{"text":"Yeah.","start":6.0,"end":6.3199997,"sentiment":"neutral","sentiment_score":0.3032606840133667},{"text":"I'm good.","start":6.3199997,"end":6.72,"sentiment":"positive","sentiment_score":0.5397239774465561},{"text":"Thanks.","start":6.72,"end":7.04,"sentiment":"positive","sentiment_score":0.6533316373825073},{"text":"How are you?","start":7.04,"end":7.8599997,"sentiment":"positive","sentiment_score":0.38695598642031354}],"sentiment":"positive","sentiment_score":0.40311051020398736,"num_words":8,"start":1.1999999,"end":7.8599997},{"sentences":[{"text":"Yes.","start":15.225,"end":15.545,"sentiment":"neutral","sentiment_score":0.1444385051727295},{"text":"Sounds 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on.","start":95.59,"end":100.165,"sentiment":"neutral","sentiment_score":-0.017445040099761066}],"sentiment":"neutral","sentiment_score":0.042517382302321494,"num_words":48,"start":75.015,"end":100.165},{"sentences":[{"text":"I've got one more swing, and then I'm on long service leave.","start":100.165,"end":102.885,"sentiment":"neutral","sentiment_score":0.008492356321463982},{"text":"So I'll have just shy of four months off, so I can't complain.","start":102.885,"end":106.425,"sentiment":"neutral","sentiment_score":0.11454639125328797},{"text":"Yeah.","start":107.125,"end":107.625,"sentiment":"neutral","sentiment_score":0.04558591917157173},{"text":"No.","start":115.3,"end":115.8,"sentiment":"neutral","sentiment_score":0.013288324698805807},{"text":"Traveling for 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pretty all good.","start":361.925,"end":363.205,"sentiment":"neutral","sentiment_score":0.2960491478443146},{"text":"My date of birth, just a day out.","start":363.205,"end":365.285,"sentiment":"neutral","sentiment_score":0.08312256028875709},{"text":"It's thirty for the June '3, but that that doesn't mean that's alright.","start":365.285,"end":369.785,"sentiment":"neutral","sentiment_score":0.00274660330838882},{"text":"Sure.","start":370.245,"end":370.745,"sentiment":"neutral","sentiment_score":0.07498598098754883},{"text":"No.","start":377.81998,"end":377.97998,"sentiment":"neutral","sentiment_score":-0.04203535616397858}],"sentiment":"neutral","sentiment_score":0.07103087190814593,"num_words":27,"start":361.925,"end":377.97998},{"sentences":[{"text":"It doesn't bother me.","start":377.97998,"end":378.93997,"sentiment":"neutral","sentiment_score":-0.1015319675207138},{"text":"I don't think it 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worries.","start":2058.045,"end":2058.785,"sentiment":"positive","sentiment_score":0.3735189437866211},{"text":"Yep.","start":2093.425,"end":2093.925,"sentiment":"neutral","sentiment_score":0.16571427881717682},{"text":"Yep.","start":2107.87,"end":2108.37,"sentiment":"neutral","sentiment_score":0.19066688418388367},{"text":"Cool.","start":2111.87,"end":2112.37,"sentiment":"neutral","sentiment_score":-0.03989887237548828}],"sentiment":"neutral","sentiment_score":0.21456639717022577,"num_words":6,"start":2057.565,"end":2112.37},{"sentences":[{"text":"Yeah.","start":2124.165,"end":2124.665,"sentiment":"neutral","sentiment_score":0.10283461213111876},{"text":"No.","start":2128.56,"end":2128.8,"sentiment":"neutral","sentiment_score":-0.02129204198718071},{"text":"That's all good.","start":2128.8,"end":2129.8599,"sentiment":"neutral","sentiment_score":0.18681643903255463},{"text":"No worries.","start":2164.27,"end":2164.99,"sentiment":"neutral","sentiment_score":0.21519406139850616},{"text":"Sounds good.","start":2164.99,"end":2165.6301,"sentiment":"positive","sentiment_score":0.37097275257110596}],"sentiment":"neutral","sentiment_score":0.2015917239089807,"num_words":9,"start":2124.165,"end":2165.6301},{"sentences":[{"text":"Yeah.","start":2165.6301,"end":2165.79,"sentiment":"neutral","sentiment_score":0.13654311001300812},{"text":"I've just gotta sort out my will and everything, which, yeah, I probably do when I get back from that trip.","start":2165.79,"end":2171.655,"sentiment":"neutral","sentiment_score":0.07504102339347203},{"text":"So yeah.","start":2172.195,"end":2173.015,"sentiment":"neutral","sentiment_score":0.0788060873746872},{"text":"Yep.","start":2179.395,"end":2179.895,"sentiment":"neutral","sentiment_score":0.210696741938591},{"text":"Yep.","start":2191.81,"end":2192.31,"sentiment":"neutral","sentiment_score":0.2315203994512558}],"sentiment":"neutral","sentiment_score":0.08893207374673623,"num_words":26,"start":2165.6301,"end":2192.31},{"sentences":[{"text":"Yeah.","start":2203.065,"end":2203.565,"sentiment":"neutral","sentiment_score":0.2665952742099762},{"text":"Yes.","start":2214.16,"end":2214.56,"sentiment":"neutral","sentiment_score":0.27395933866500854},{"text":"So easy.","start":2214.56,"end":2215.2,"sentiment":"neutral","sentiment_score":0.3330026641488075},{"text":"Sounds good.","start":2215.2,"end":2216.02,"sentiment":"positive","sentiment_score":0.4263183921575546},{"text":"No.","start":2226.535,"end":2226.855,"sentiment":"neutral","sentiment_score":-0.010599397122859957}],"sentiment":"neutral","sentiment_score":0.29265676119497847,"num_words":7,"start":2203.065,"end":2226.855},{"sentences":[{"text":"It's all still pretty good.","start":2226.855,"end":2228.555,"sentiment":"positive","sentiment_score":0.4604304015636444},{"text":"Yeah.","start":2229.415,"end":2229.895,"sentiment":"positive","sentiment_score":0.5685848593711853},{"text":"I'm pretty happy to go through and, yeah, just having another look through the numbers and yeah.","start":2229.895,"end":2234.375,"sentiment":"positive","sentiment_score":0.4527902682037914},{"text":"So it's more than roughly.","start":2234.375,"end":2235.755,"sentiment":"neutral","sentiment_score":0.25530920922756195},{"text":"Yeah.","start":2236.1301,"end":2236.21,"sentiment":"neutral","sentiment_score":0.13952544331550598}],"sentiment":"positive","sentiment_score":0.41324975572783373,"num_words":29,"start":2226.855,"end":2236.21},{"sentences":[{"text":"It's been about 14% over a few years, which is good.","start":2236.21,"end":2239.33,"sentiment":"neutral","sentiment_score":0.2782894366166808},{"text":"So happy with that.","start":2239.33,"end":2240.71,"sentiment":"positive","sentiment_score":0.6231788396835327},{"text":"Yeah.","start":2241.4102,"end":2241.9102,"sentiment":"neutral","sentiment_score":0.26952701807022095},{"text":"Yep.","start":2242.37,"end":2242.87,"sentiment":"neutral","sentiment_score":0.2497047483921051},{"text":"All good.","start":2243.6501,"end":2244.3901,"sentiment":"positive","sentiment_score":0.49678635597229004}],"sentiment":"positive","sentiment_score":0.3719317705223435,"num_words":19,"start":2236.21,"end":2244.3901},{"sentences":[{"text":"No worries.","start":2246.37,"end":2246.93,"sentiment":"neutral","sentiment_score":-0.048150233924388885},{"text":"Thank you.","start":2246.93,"end":2247.6702,"sentiment":"positive","sentiment_score":0.39217808842658997},{"text":"Thank you.","start":2248.61,"end":2249.43,"sentiment":"positive","sentiment_score":0.6957232654094696},{"text":"No worries.","start":2251.325,"end":2251.885,"sentiment":"positive","sentiment_score":0.36270374059677124},{"text":"Thanks for the call.","start":2251.885,"end":2252.865,"sentiment":"positive","sentiment_score":0.7160746157169342}],"sentiment":"positive","sentiment_score":0.47243401532371837,"num_words":12,"start":2246.37,"end":2252.865},{"sentences":[{"text":"Same to you.","start":2255.4849,"end":2256.285,"sentiment":"positive","sentiment_score":0.5796122252941132},{"text":"Cheers.","start":2256.285,"end":2256.785,"sentiment":"positive","sentiment_score":0.571296215057373},{"text":"Good one.","start":2257.005,"end":2257.4849,"sentiment":"positive","sentiment_score":0.3657483905553818},{"text":"Thanks.","start":2257.4849,"end":2257.805,"sentiment":"positive","sentiment_score":0.4960986077785492},{"text":"Bye.","start":2257.805,"end":2258.305,"sentiment":"neutral","sentiment_score":-0.11073748022317886}],"sentiment":"positive","sentiment_score":0.4283738499507308,"num_words":8,"start":2255.4849,"end":2258.305}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Sean. This is Dana from Okie Financial. How are you this afternoon?\n\nChannel 1: Yeah. I'm good. Thanks. How are you?\n\nChannel 0: I'm very well. Thank you. Thank you for asking. I had you booked in to go through your updated advice document. Is now a good time there for you?\n\nChannel 1: Yes. Sounds\n\nChannel 0: Yes.\n\nChannel 1: good.\n\nChannel 0: Yep. Fantastic. Do you happen to have access to your emails there this afternoon as well?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Beautiful. I'm just gonna send you through an email just with the details there. Just generally easy if we sort of go through things and you're able to see what I'm talking about.\n\nChannel 1: Yeah. That's\n\nChannel 0: While that's coming through, I just need to let you know moving forward, we do do sorry. We do record our calls for quality and training purposes. Are you happy for me to proceed with that?\n\nChannel 1: Yeah. No worries.\n\nChannel 0: Yep. Beautiful. And then just to do security there with you as well, we are discussing your personal information. So I'll just get you to confirm your full name, your date of birth, and address I should have on file.\n\nChannel 1: Sean Michael Mulee. Thirtieth of\n\nChannel 0: Yep.\n\nChannel 1: the sixth Eighty three. Forty nine Biltmore Street Land Sale.\n\nChannel 0: Beautiful. Thank you so much for that. I've just sent that email through to you there, Sean. Now your email address I have is seanmuley@y7mail.com. Is it still the same?\n\nChannel 1: Yep.\n\nChannel 0: Perfect. So sorry.\n\nChannel 1: No worries.\n\nChannel 0: Hopefully, it should come through fairly quickly there for you. If it doesn't, that is absolutely okay. Did\n\nChannel 1: It's\n\nChannel 0: you\n\nChannel 1: all good. I'm\n\nChannel 0: have\n\nChannel 1: just\n\nChannel 0: some\n\nChannel 1: gonna load it up on my iPad, so it just needs\n\nChannel 0: that's\n\nChannel 1: to wake\n\nChannel 0: okay.\n\nChannel 1: up a bit.\n\nChannel 0: That's alright. Did you happen to get some time off over Christmas, have a bit of a break?\n\nChannel 1: Not much of a break, to be honest. I work away, so I didn't have any extra time off, but I'm about to go on. I've got one more swing, and then I'm on long service leave. So I'll have just shy of four months off, so\n\nChannel 0: Yeah. Fantastic.\n\nChannel 1: I can't complain.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: No. Fantastic. That sounds that sounds great. Are you gonna travel or do anything fun or just have some downtime at home and\n\nChannel 1: No. Traveling for sure. Yeah. We've\n\nChannel 0: traveling?\n\nChannel 1: got\n\nChannel 0: Yeah.\n\nChannel 1: yeah. Yeah. Got a caravan. So, yeah,\n\nChannel 0: Perfect.\n\nChannel 1: we are making our way across. So\n\nChannel 0: Yes. Fantastic. And then straight back to work after the four months off, you're just taking the the long service leave for a bit of\n\nChannel 1: yeah. Yep.\n\nChannel 0: yep.\n\nChannel 1: Yeah. Of course. It'll be, yeah, back to back\n\nChannel 0: Back\n\nChannel 1: to reality\n\nChannel 0: to reality.\n\nChannel 1: after that. But after, yeah, four months, I think, yeah, won't be a bad\n\nChannel 0: That\n\nChannel 1: thing. So\n\nChannel 0: sounds I mean, it could be really good. It could be really difficult at the same time.\n\nChannel 1: yeah. That's it. We're not sure yet. So we'll\n\nChannel 0: Yeah.\n\nChannel 1: just play it by ear and yeah.\n\nChannel 0: Absolutely. Well, I hope you have an amazing time traveling. Do you have a plan on where you're going to or what, you know, what you're gonna see? Or\n\nChannel 1: Yeah. We've got a bit of an itinerary. So, yeah, just all the way across and basically up to Cairns, and then we'll make our\n\nChannel 0: Fantastic.\n\nChannel 1: way back. So, yeah, it's pretty full on. So, yeah, it's a big trip.\n\nChannel 0: Yeah. And\n\nChannel 1: So\n\nChannel 0: yeah. A lot of driving, but,\n\nChannel 1: yeah.\n\nChannel 0: no, that'd be amazing, all the things you can stop and see along the way. I'm all about traveling. I love it. I think it's great to go out there, see things, see experiences, make it well worth it.\n\nChannel 1: Yeah. That's it. Definitely.\n\nChannel 0: Yeah.\n\nChannel 1: So I'll never get\n\nChannel 0: Perfect.\n\nChannel 1: this time off much time off again. So\n\nChannel 0: Alright.\n\nChannel 1: yeah.\n\nChannel 0: Absolutely. Definitely. Has that email popped through there at all?\n\nChannel 1: Yeah. Yeah. I've just got that now. So yep.\n\nChannel 0: Perfect.\n\nChannel 1: Hold on.\n\nChannel 0: All good. So on the first page of the document there, when it opens sorry. My\n\nChannel 1: Yep.\n\nChannel 0: throat's a little bit sore this afternoon. If I do take a break, I do apologize.\n\nChannel 1: That's all\n\nChannel 0: All good. Sean, this has been prepared\n\nChannel 1: good.\n\nChannel 0: by yourself. It does say statement of advice under Oku Financial has been prepared\n\nChannel 1: Yep.\n\nChannel 0: by myself, Dana Taylor. I'm an authorized representative under Oku Financial. Our Australian financial services license number is 513068, and the registration number with ASIC for myself and my registration is 1304394. This advice is dated valid for sixty days after the date on the front of the document there\n\nChannel 1: Yep.\n\nChannel 0: and has been provided in your best interest. So we obviously did your annual review last year. We wanted to sort of update the advice to reflect changes in your circumstances. You wanted to have a bit of a look at some life and CBD cover and also\n\nChannel 1: Yep.\n\nChannel 0: look at maybe going into a high growth portfolio to see what that can do for you. So this is the document to outline that nice and easily for you.\n\nChannel 1: Yep.\n\nChannel 0: I'll\n\nChannel 1: Cool.\n\nChannel 0: run through the recommendations touching on the points that I need to, and then I'll let you go back to have a read through at all. It's a lot to take in when I'm talking. That's why we'd like to have you look at it at the same time. Because if I'm just telling you all the bits and pieces, sometimes it feels like I'm talking at you. So I don't want\n\nChannel 1: Yeah.\n\nChannel 0: that. Make it nice and easy so you can take it all in, have a read through, and then let me know whether you're happy to take those recommendations on. Okay?\n\nChannel 1: Cool. Sounds good.\n\nChannel 0: Perfect. Down now on page number three, you'll notice we have the scoping of the advice. So the areas of this\n\nChannel 1: Yep.\n\nChannel 0: advice document that we have scoped in to make recommendations on our superannuation. So we're working towards your long term retirement goal of being able to retire around about the age of 60.\n\nChannel 1: Yep.\n\nChannel 0: We're looking at the insurances. So you do have some insurances through your employer, but you wanted to look at some life and TBD just to make sure that you did have something outside of super that was also just important for you to cover what you needed it to.\n\nChannel 1: Yep.\n\nChannel 0: And then we've also got your estate planning there as well. So whenever we are making a recommendation around superannuation or around insurances, we do like to make sure the estate planning is also scoped in to make sure that beneficiaries are updated correctly. Okay?\n\nChannel 1: Yep. Cool. Yep.\n\nChannel 0: Perfect. If you scroll down, sorry, to page number seven, this is the about you section. If you just scroll your\n\nChannel 1: Yep.\n\nChannel 0: eyes over, that's the information that we were able to collect at our last catch up. Not sure if anything major has changed there. If you can just run your eyes over that one for me just to let me know if there are any major changes at all since we last caught up.\n\nChannel 1: Yep. No. That's pretty all good. My date of birth, just a day out. It's thirty for the June\n\nChannel 0: Oh, I'm\n\nChannel 1: '3, but that that\n\nChannel 0: sorry.\n\nChannel 1: doesn't\n\nChannel 0: Sorry.\n\nChannel 1: mean\n\nChannel 0: No.\n\nChannel 1: that's\n\nChannel 0: That's\n\nChannel 1: alright.\n\nChannel 0: okay. I will\n\nChannel 1: Sure.\n\nChannel 0: it doesn't affect the advice at all, but I don't wanna have that wrong. Did you want me to go back and update that before you sign this? I do not mind at all.\n\nChannel 1: No. It doesn't bother me. I\n\nChannel 0: That's\n\nChannel 1: don't think\n\nChannel 0: okay.\n\nChannel 1: it matters. It's just a just a number I just noticed. Hang on.\n\nChannel 0: Oh, sorry about that. My apologies.\n\nChannel 1: No. That's all good. No. No worries.\n\nChannel 0: All good. The next page outlines your current assets that we did have noted down at the last annual review. If you're running your eyes over that one, would you change any of those values majorly? I know your mortgage, hopefully, has decreased a bit since we last caught up there, but is are there any major changes that you would like changed in the back end for any of these?\n\nChannel 1: Just have an investment property now.\n\nChannel 0: Yep.\n\nChannel 1: So, yes, probably just wanna\n\nChannel 0: That's\n\nChannel 1: add that one in, I guess.\n\nChannel 0: yep. Absolutely. So an investment property now. Not a problem\n\nChannel 1: Yep.\n\nChannel 0: at all. And when did you purchase that one?\n\nChannel 1: I think it was August.\n\nChannel 0: August? Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: Lovely. Excellent. And what sort of value would you put on the property there at the moment?\n\nChannel 1: I bought it for $8.64, I think it was.\n\nChannel 0: Yep. Yep.\n\nChannel 1: So, yeah, probably\n\nChannel 0: Perfect.\n\nChannel 1: around that. I'll see.\n\nChannel 0: Beautiful. And do you remember what the loan might be that you have owing on that one at the moment?\n\nChannel 1: I it's around $9.20, I believe,\n\nChannel 0: Yep. Perfect.\n\nChannel 1: because it was somewhere around\n\nChannel 0: Yep.\n\nChannel 1: that.\n\nChannel 0: That's okay. And did you\n\nChannel 1: Yeah.\n\nChannel 0: happen to use equity from your main primary residence to purchase the property? Like, has your PPR loan\n\nChannel 1: Yes.\n\nChannel 0: increased at all from that one at all?\n\nChannel 1: My loan has freeze,\n\nChannel 0: Mhmm.\n\nChannel 1: but, yeah, just the just use the equity basically on the property. So I've actually got yeah. I've got two loans on this investment probably. It's the way they had to work it. So\n\nChannel 0: Yep. Yep. Yep. And then you've got your main primary residence loan there as well as\n\nChannel 1: yeah.\n\nChannel 0: a separate one? Yep. Okay. Perfect.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yep. Yeah. Perfect. No. I understand that.\n\nEasy. You got your what your main primary residence, the equity loan, and then the investment loan all sort of separated into three.\n\nChannel 1: Yeah. Yep. I mean, that's what it is.\n\nChannel 0: That's it. Yeah. I understand\n\nChannel 1: Yeah.\n\nChannel 0: how that works. That's not a problem at all. I can update that stuff in the back end for you. It\n\nChannel 1: Cool.\n\nChannel 0: doesn't at the moment, as we go through and look at the insurance recommendations, I will just double check if they are appropriate for you based on our last conversation and these changes there. But\n\nChannel 1: Yep.\n\nChannel 0: if there are any changes to these recommendations based on the fact that you've got the impact investment property there, you just let me know, and I'm more than happy to go back and complete any updates that we need to. Okay?\n\nChannel 1: Yep. No worries.\n\nChannel 0: Perfect. So scrolling down to the next page there, you will note we do have the superannuation side of things. So you'll have\n\nChannel 1: Yep.\n\nChannel 0: 24 super is what you've got there at the moment, showing the updated balance as of the date we completed the document. This document has been dated as of the February 16.\n\nChannel 1: Yep.\n\nChannel 0: No insurance is currently held there. And scrolling down is your risk profile. So we obviously did your risk profile questionnaire. I had a really good chat about where things are to.\n\nChannel 1: Yep.\n\nChannel 0: You wanted to look at maybe being a bit more of a high growth investor. So that is the profile\n\nChannel 1: Yep.\n\nChannel 0: that we are looking at now when we are looking at the investments for you. Okay?\n\nChannel 1: Cool. Sounds good.\n\nChannel 0: Beautiful. I'll skip the other couple of pages because they are just a bit more about general information around what a high growth portfolio is. If\n\nChannel 1: Yep.\n\nChannel 0: you go down to page number 12, this is where the recommendations really sort of start there for you. So this is\n\nChannel 1: Yeah.\n\nChannel 0: the the investment returns recommended. So\n\nChannel 1: Yep.\n\nChannel 0: the first column there basically shows you your current circumstances. So you have your hub twenty four super at the moment. You've got your current balance there, and then you've got your administration fees, investment fees, and other fees applicable to the fund there and the ongoing service fee for us as your advisers for helping you work towards your goals of the best retirement you can have, and then your\n\nChannel 1: Yep.\n\nChannel 0: contributions going in. This is net contributions there as well, and no insurance premiums.\n\nChannel 1: Yep. Okay.\n\nChannel 0: At the moment, you are in a growth portfolio, and we've had\n\nChannel 1: Yeah.\n\nChannel 0: to use the three year rolling average for this one because the profile we're putting you into only provided us with a three year rolling average. But the growth profile that you or portfolio that you have been in has had a a three year rolling average averaging about 14.24% on a yearly basis. Okay?\n\nChannel 1: Yep.\n\nChannel 0: If we were to keep you in the exact same position with the same profile or portfolio, sorry, over the next five years, if it works the same way that it has over the last three years, then you can end up with a projected amount of 953,646. However, we do know investment markets go up and down, and you don't always get that exact return every year.\n\nChannel 1: Yeah. No. That's it.\n\nChannel 0: What we are recommending for you is that we do retain Hub 24. Hub 24 is still an appropriate platform for you. Hub 24 and particularly the Choice version there actually gives you back to a lot more different investments as per our such. It has about 1,178 different investment options. That's in Australia and across the globe.\n\nIt ranges every from ETFs managed funds right down to individual shares, which is really cool. And that essentially means that you have access to all these different investment options to be able to have filled and have portfolios that are working for you now, but also being able to alter and change those moving forward. So there's been no major\n\nChannel 1: Two.\n\nChannel 0: changes to have 24. It's still an appropriate platform and still in your best interest. So we have opted to retain that for you to make it easier. We are looking to, however, change the the portfolio. So one of the reasons it took a little bit longer to do the advice for you, and I do apologize for the delay,\n\nChannel 1: Cool.\n\nChannel 0: but as\n\nChannel 1: Sir?\n\nChannel 0: of sort of late last year, around about November, December, one of your underlying investments in the the Benelung Australian Equities took a bit of a pretty heavy hit. One of their underlying investments, Corporate Traveler, had come up. They've been a bit dishonest to the market. That was released, and it meant that Benelung had to reevaluate that portion of their investments, which meant that everyone went back and reevaluated Benelon as an investment as well. So we certainly did the same thing, and we've decided to move you out of that.\n\nSo we're not only moving you into the high growth portfolio as per our conversation to allow you to take on a bit more risk in the market to get those greater potential returns. But we're also switching some of the underlying investments to make sure you're invested in a portfolio that has shown greater potential returns and removing underperforming investment option as well. Does that make sense?\n\nChannel 1: Yep. Sounds good.\n\nChannel 0: Yep. Perfect. So you'll see on the bottom of that table, we are moving you into what's called the o l o v six high growth portfolio. This portfolio over the past three years has actually averaged a return of that 16.73%. As I did mention before, we don't expect you to get that every year.\n\nWe do mark do know markets do react differently on ongoing years, and some years you might get 16 to 20% returns. Other years you might get a 10 or 15% return. And in a high growth portfolio, we do expect a negative return sort of one in every five years. So it's about\n\nChannel 1: Yeah.\n\nChannel 0: just making sure you're in a portfolio that has had greater potential returns with that, you know, hasn't shown the sort of downturns that Bennelong has had. That way, we're sort of putting you in a position to benefit greatly from that moving forward. Does that make sense?\n\nChannel 1: Yeah. Sounds good.\n\nChannel 0: Yep. Perfect. By making the investment switch that well, I'll I'll go through and show you what that looks like. But by making the investment switch there, we do estimate the CGT consequences. You'll see in the very top there in the difference column, the 3,250.\n\nYou'll see\n\nChannel 1: Yes.\n\nChannel 0: on the underneath the table, we have a bit of a disclaimer, but that's essentially showing you the expected CGT consequences as well as any buy sell costs that will be incurred by the funds by making this switch. Essentially,\n\nChannel 1: Yep.\n\nChannel 0: it's a small amount to make the switch. We're retaining the funds, so it kind of limits the amount of CGT consequences possible. However, there is always gonna be some sort of tax consequences when we are switching investments there. So we've tried to limit them as much as possible, but once they make the switch to better performing high growth environment, your funds can work harder and make that money back nice and quick. Okay?\n\nChannel 1: Cool. Sounds good.\n\nChannel 0: Perfect. By making the switch as well, you'll also notice there the administration fees are reduced slightly as well for the first year. It's about a $3 difference. Not a huge difference, but every little bit helps these days. Saving some fees can make a a big difference when you're compounding that forward.\n\nBut it\n\nChannel 1: Yep.\n\nChannel 0: also changes the investment fees as well. So we save about $53 on investment fees. So it's nice and cheap there. Other fees within the fund are a little bit higher with some of the investment options that we have chosen. However, with when we sort of weighed up the options, getting a better better performing portfolio is, you know, weighing up the options outweigh the cost of the change.\n\nSo\n\nChannel 1: Yep.\n\nChannel 0: yeah.\n\nChannel 1: No\n\nChannel 0: Perfect.\n\nChannel 1: worries.\n\nChannel 0: You'll also see that the insurance premiums so at the moment, you don't have any insurance premiums paid out of super, but because we have decided to look at the life and TPD component there for you, the insurance premiums, the cost of the first year is $384 deducted\n\nChannel 1: Yep.\n\nChannel 0: from your super fund for those insurances. Okay? Perfect.\n\nChannel 1: No worries.\n\nChannel 0: If the fund did perform the way it has over the past three years over the next sort of five years, you could end up with about a million and 56,000. I honestly don't think we're gonna end up that far, but look at the compounding effect. And with the balance you have at the moment, you could get awfully close to that. So if you sort of think of your balance at 500 or thousand, someone with a $50,000 balance getting a 5% return, it's gonna be much smaller. Whereas your balance\n\nChannel 1: Yeah.\n\nChannel 0: getting a 5% return is gonna have a greater compounding effect. So, I normally\n\nChannel 1: Yep.\n\nChannel 0: am a bit cautious about giving people these kinds of projection figures, but because your balance is so high to begin with, smaller changes make a big difference. You actually could end up very close to this figure in the next five years. Okay?\n\nChannel 1: That'd be great.\n\nChannel 0: Yeah. I'd say we'll work on it, and we'll keep we'll we'll we'll keep tracking on to see where we're going.\n\nChannel 1: Yeah. Sure.\n\nChannel 0: I would love it if we could exceed that figure in all honesty. I think you've\n\nChannel 1: Yeah.\n\nChannel 0: you worked really hard. You've got a a really good life ahead of you, and you've got a lot of time before retirement. But when you get there, the fact that you will have worked for so many years, you deserve every bit of retirement you could get.\n\nChannel 1: Yeah. That's it. For sure.\n\nChannel 0: Perfect. So that's essentially the super recommendation, just retaining the fund, doing a bit of a switch there. It's\n\nChannel 1: Yeah.\n\nChannel 0: really important, as we mentioned before, that any recommendations we make are in your best interest. And we do have in through the document, a bit of a best interest duty statement, which outlines the best interest around that. So moving\n\nChannel 1: Yes.\n\nChannel 0: into high growth portfolio was something we discussed. It aligns along with your goals and objectives. You're still young. You wanted to take a bit more risk in the market for greater potential returns, and giving you the high growth portfolio allows for that. We're aware that markets do fluctuate.\n\nThey go up and down. And in in the down times moving forward, if you've got a bit of extra money, call me, and we can look at what to do to maximize those downtime. Okay?\n\nChannel 1: Yeah.\n\nChannel 0: For paying, you have 24 is in your best interest as the fund itself is has not had any major changes that are gonna negatively impact you. And by being able to retain the fund and complete the switch within the fund, we actually are able to reduce the CJT liability from what it would have been if we had have moved to a different fund. Okay?\n\nChannel 1: Oh, sounds good.\n\nChannel 0: Perfect. If you scroll down for me to page number 16, this will sort of show you what we're talking about with regards to the investments there as well.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. So this is essentially showing you what we will and won't have within the portfolio. So just going from the top then, we'll essentially be moving all the battery and lithium tech out and all the Benelon Australian equities because that Benelon has been underperforming. We'll\n\nChannel 1: Yep.\n\nChannel 0: be putting you putting some more money into the bank hybrids there, a bit more of a defensive investment. Some physical gold, which has done really, really well and continues\n\nChannel 1: Yeah.\n\nChannel 0: to perform nicely, so topping up that a bit for you. Some beta shares cybersecurity because cybersecurity is still a great area to have with all the technology and all the changes that we're going through with everything being online. It's still a really important area to focus on. And then we'll also be, sorry, moving money out of the core composite bonds there, putting some more into the S and P 500 to giving you some more exposure into the American market. And then we've\n\nChannel 1: Yep.\n\nChannel 0: got removing the VanEck Australian properties, so taking that\n\nChannel 1: Yep.\n\nChannel 0: one completely out. We're putting some into the Aussie 200 there. It's giving you exposure into the top 200 companies on the ASX. Some Australian exposure as well as US exposure is still really important to have.\n\nChannel 1: Yep.\n\nChannel 0: We'll put some into the India beta shares quality ETF, and then we'll\n\nChannel 1: Yep.\n\nChannel 0: also have some global health care there for you as well. And to\n\nChannel 1: Yep.\n\nChannel 0: replace the Benelung Australian Equities, we're putting into our Finity Australian Share Fund. So it's still keeping the same level of Australian FDs exposure that you would have had within Venalong. However, putting you into an investment that a a is a little bit cheaper in management fees, but also has shown greater past performance for you. Okay?\n\nChannel 1: Cool.\n\nChannel 0: Perfect. And the last one at the bottom there is the JPMorgan Global Research Enhanced Equity Fund. This is just giving you access to, again, this global research. JPMorgan utilize their research team looking at their areas of growth and making sure it's global. So diversification is a great area, and this fund has done quite well as well.\n\nSo keeping that in there for you. Does that all makes sense. Do you have any questions about\n\nChannel 1: Yep.\n\nChannel 0: any of those? I do keep it fairly brief, but if you want me to go, like, a lot deeper, I'm more than happy to.\n\nChannel 1: No. No. It's all good. I have to trust me. Trust\n\nChannel 0: That's\n\nChannel 1: me.\n\nChannel 0: okay.\n\nChannel 1: Love it. Yeah.\n\nChannel 0: That's okay. I just wanna go a bit brief because not everyone's that interested. And I was like, oh, if you need more, you let me know.\n\nChannel 1: Yeah. No. I can always look into what they actually are, but, yeah,\n\nChannel 0: Slowly\n\nChannel 1: it's not\n\nChannel 0: more than happy to send you anything else that you need after you've had a read through there, Sean. Easy.\n\nChannel 1: no. Sounds good. It's all\n\nChannel 0: Yeah.\n\nChannel 1: good.\n\nChannel 0: Perfect. If you scroll down to the next page, you'll see asset allocation changes. So in a high growth environment, you generally see about 90% in growth investments, things like the Australian equities, international equities, Australian and international property. Alternatives like gold and silver and other precious metals are also considered growth assets as well.\n\nChannel 1: Yeah.\n\nChannel 0: And then you would normally see about 10% in defensive investments. So we're putting more money into those growth investments growth for greater potential growth there, less into the in defensive investments, which tend to be lower performing just to try and get as much growth as we possibly can while we're young while we have the time ahead of us to do so.\n\nChannel 1: Cool.\n\nChannel 0: Within your existing portfolio, sorry, you're about 71.63% in growth investments and 19.15% in defensive and then 9.22% in alternatives. So we're gonna\n\nChannel 1: Yeah.\n\nChannel 0: increase those growth assets to have 84.48, 8.6 in defensive, and keeping that gold exposure at about 6.92 to 7% there for you. Okay?\n\nChannel 1: Yep. No worries.\n\nChannel 0: Yep. Perfect. So it's just increasing those that growth exposure, reducing the amount of defensive investments you have, keeping some alternatives in there to give you a bit of growth, but also defensive. One of the good things in why we keep gold in our portfolios is that it does work both ways. Having gold,\n\nChannel 1: Yeah.\n\nChannel 0: everyone loves it. I know I love a bit of gold. And then, you know, everyone still has it. It has performed really, really well over the past couple of years, and then it becomes defensive at times when it needs to be as well. So if you think back to, like, COVID, a lot of people move money into gold as a bit of a safe haven.\n\nThe GFC is another really good example of that. So\n\nChannel 1: Yeah.\n\nChannel 0: that's why we wanna keep that, and that sort of shows you what the expected exposure might look like once we complete this change. Okay?\n\nChannel 1: Yep. Co.\n\nChannel 0: Perfect. The next page down is the insurance recommendation. So when we did your annual review, we noted that you do have your employer paid policy, but we don't really know a lot about how much you are covered for. So one of the things we did talk about was, you know, if anything happened to you with regard to life and total permanent disability, having a bit of money there to maybe cover your mortgage or provide a little bit of additional benefit was important just to kind of allow you to take some time off, pay off the mortgage, you know, without having to worry about how much you were covered for through the employer paid policy because it was so unsure.\n\nChannel 1: Yep.\n\nChannel 0: So I did go back and do a bit of research there. I have made a recommendation that we do apply for life and CBD through Neos for the sum insured of 384,605. Essentially,\n\nChannel 1: Yep.\n\nChannel 0: when we sort of spoke, we looked at your mortgage, which was about 498, I believe, above there, and we looked at with your super balance just applying for about $300,000 of life and TBD and then accounting for the tax on TBD of up to 22% there as well. So that essentially meant that without accounting for the employer paid policy, because there were so many unknowns there, in the event of you passing away or becoming TPD, you would receive that $300,000 benefit from the TPD. Last, you'll get the full $3.84 paid to your partner. But then\n\nChannel 1: Yep.\n\nChannel 0: your super benefit on top of that can help pay off the rest of the mortgage and then provide some additional living expenses or income replacement there. Does that kind of ring about? Does that make sense, and\n\nChannel 1: Yeah.\n\nChannel 0: is that still\n\nChannel 1: Yep.\n\nChannel 0: appropriate? Yeah.\n\nChannel 1: Yeah. I think so. It's gonna\n\nChannel 0: Yep.\n\nChannel 1: hurt today a bit more, I think. So\n\nChannel 0: Absolutely.\n\nChannel 1: yeah.\n\nChannel 0: The only sort of thing I do wanna check, though, because you now do have that investment property there with having the extra mortgage, in the event of passing away, do you feel like that amount we are looking to apply for is still gonna be appropriate? Do you think your partner might wanna just sell the investment property or keep it going the way it is, or did you wanna look at a higher amount of life cover? What do you sort of feel about the changes to your circumstances?\n\nChannel 1: I think just stick with this,\n\nChannel 0: Yep.\n\nChannel 1: and then, you know, it gives enough breathing space to\n\nChannel 0: Yep.\n\nChannel 1: make decisions on that if it comes\n\nChannel 0: Absolutely.\n\nChannel 1: to that. So,\n\nChannel 0: Yep.\n\nChannel 1: yeah, it's\n\nChannel 0: Yep.\n\nChannel 1: just be a a sell, I think.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. Perfect. Not a problem at\n\nChannel 1: Yeah.\n\nChannel 0: all. So, again, with the TBD, it is the same amount as the life. We did gross up the life to match the TBD because we were looking at 300,000 then incorporating the 22% tax. And the reason we have done that is because it actually makes the policy cheaper. So by linking the life and TPD together, you get access to a multi policy discount there, which helps to make the policy cheaper.\n\nIt does essentially mean that in the event of claiming TPD, the funds are paid out, but then because you've linked the TPD to the life, it does cancel the life act to zero. So we add the life buyback option, which means that after a TPD claims, so long as you survive generally within twelve months, you'll get a letter to say we're gonna reinstate the life policy, and they reinstate that back to the pre disability or preclaim amount. So you can have your life reinstated and then claim on life cover at at a later time. Does that make sense?\n\nChannel 1: Oh, yep. That\n\nChannel 0: Yeah.\n\nChannel 1: sounds\n\nChannel 0: Perfect.\n\nChannel 1: good.\n\nChannel 0: It's a great way of structuring it to make it a bit cheaper for you, but also making sure you have access to claim because the worst thing in the world is having insurances that you can't claim on. You're paying all this\n\nChannel 1: Yeah.\n\nChannel 0: money for premiums. So yep.\n\nChannel 1: Yep. That's it.\n\nChannel 0: Perfect. Now these are to be structured inside super there. That way, you don't have to worry about making the, you know, making the premium payments out of your back pocket to make it easier on you. And we do estimate for the first year's premium to be $451.34. That's how much the insurer actually receives.\n\nYou will only\n\nChannel 1: Yep.\n\nChannel 0: pay $3.83 64, so $3.84 as per above. That's\n\nChannel 1: Yep.\n\nChannel 0: because due to the taxation inside suit, you get a better than 15% rebate or a discount on the premium. So you actually pay less than the insurer receives, which is actually kinda cool.\n\nChannel 1: Oh, it's fine. Oh, that's good.\n\nChannel 0: Yeah. Essentially, this recommendation is in your best interest because it was it's covering the amount that you wanted to. So it is meeting your goal of making sure that in the event of a TBD claim, after the 22% tax, you can receive the $300,000. It's giving you the life cover, and it means that anything you receive on top of that in the event of a TBD claim, if you, you know, claim on this, then you get your super release, and then your employer paid policy pays out a more as well. It's just giving you that extra benefit without the stress of the unknown of how much you're actually covered for.\n\nOkay.\n\nChannel 1: Yeah. No. Sounds\n\nChannel 0: Yep.\n\nChannel 1: good.\n\nChannel 0: Perfect. We haven't looked at any income protection or any trauma, but down the track, if you would like to come and talk about those, I'm more than happy to help you out with that. I know your income protection with your employer paid policy is all still there as well. But if you\n\nChannel 1: Yep.\n\nChannel 0: ever wanted to look at anything else, just to let me know. I'm more than happy to update or make new recommendations. That's what we're here for. Okay?\n\nChannel 1: Yep. Cool. Sounds good.\n\nChannel 0: Perfect.\n\nChannel 1: Just just\n\nChannel 0: Now\n\nChannel 1: sorry.\n\nChannel 0: yes.\n\nChannel 1: Just\n\nChannel 0: So\n\nChannel 1: with the\n\nChannel 0: how does it work?\n\nChannel 1: if I did go income protection, then say you could could you claim to lots of income protection or, like, if you get it through the work, or how does that work?\n\nChannel 0: Yeah. So you absolutely can. It's just up to a certain limit. So,\n\nChannel 1: Yeah.\n\nChannel 0: generally, income protection only covers you for up to 70% of your current income of pre disability income.\n\nChannel 1: Yep.\n\nChannel 0: Essentially, if you have an employer paid policy that covers you for over 70%, then you can't claim on a secondary policy. If you're claiming on a policy that covers less than that 70%, and then you can get some top up policies and claim a bit more, It's just a juggling sort of thing to make sure that what you're what you're paying for is the amount you can claim on, that you're not overinsuring\n\nChannel 1: Yeah.\n\nChannel 0: yourself for amounts you can't claim on. But if you wanted to look at that, absolutely come and have a chat to me, and we can talk it through.\n\nChannel 1: Alright.\n\nChannel 0: Yeah.\n\nChannel 1: Cool. I think\n\nChannel 0: Absolutely.\n\nChannel 1: it's I've gotta check. I have looked at it, and some of our guys have actually been on it. So it is pretty\n\nChannel 0: Yeah.\n\nChannel 1: good. I think it's just a thirty day\n\nChannel 0: Yeah.\n\nChannel 1: policy.\n\nChannel 0: Yep.\n\nChannel 1: And then after that, you can get it's either 70 maybe it's $7.75. I'm not\n\nChannel 0: Yeah.\n\nChannel 1: sure.\n\nChannel 0: If\n\nChannel 1: Yeah.\n\nChannel 0: you want\n\nChannel 1: What's\n\nChannel 0: if\n\nChannel 1: what's\n\nChannel 0: you're\n\nChannel 1: that?\n\nChannel 0: able to get the information there, Sean, you wanna send it through to me, I can absolutely run it through, have a real good look at it, and break down the details for you just to give you some information.\n\nChannel 1: Yeah. No worries. I'll\n\nChannel 0: Yeah.\n\nChannel 1: I'll try I'll try and go down that road again.\n\nChannel 0: No worries at all. I'll let I I'll email you after the call. So sorry I get the tongue tied. I'll\n\nChannel 1: No.\n\nChannel 0: email\n\nChannel 1: That\n\nChannel 0: you\n\nChannel 1: sounds\n\nChannel 0: after\n\nChannel 1: good.\n\nChannel 0: the call. That way, you've got my email there again at the top. If you just wanna grab the information, send it to me. I'll take some time to read it over, break it down. I can send you back the information so you understand a bit more about what you what the policy is, what you have.\n\nEasy done.\n\nChannel 1: Oh, no worries.\n\nChannel 0: Yeah. Easy. Perfect. The benefits of having this policy are that it is paid out of your super. So you're not having to pay the premiums out of your back pocket.\n\nStructuring your policies this way basically allows you to have a higher sum insured without having to pay the money out of your back pocket. Living expenses can be extremely high. The disadvantages are that, obviously, paying for insurance premiums out of your super does have an effect on your retirement over the longer term. So we do wanna obviously review this with you on a yearly basis, make sure that as you get older, the risk of you making a claim, the insurance premiums actually get more expensive. So we wanna make sure that these premiums don't get exuberantly expensive, but that the level of cover still matches what you're actually after.\n\nChannel 1: Yeah.\n\nChannel 0: Okay?\n\nChannel 1: Cool. Sounds good.\n\nChannel 0: Perfect. The risks involved, we do have to go through an application in order to have this placed in force. So once you sign the document, return it back to me. I'll get you booked in with our lovely admin team. They'll go through the insurance application with you.\n\nIt's just about making sure you've disclosed everything. There's nothing in our records that is really a red flag there at all. But if there is anything that comes out on the application, the risks are that they could be loading to exclusions down the track before\n\nChannel 1: Yep.\n\nChannel 0: putting the policy in force. We'll come back and have a chat if there is any revised terms provided. Okay?\n\nChannel 1: Cool. No worries.\n\nChannel 0: Perfect. I will let you have a reach for the advantages, disadvantages, and risks involved. I kinda go through some of them, not to bore you with pages and pages, but feel free to have run your eyes over those. And if you find you do have any questions there, please do let me know. Okay.\n\nChannel 1: Yep. That's all good. Hold\n\nChannel 0: Perfect.\n\nChannel 1: on a minute.\n\nChannel 0: The last part of the recommendations is the estate planning side of things. So because we are looking at life insurance through Neos and I had a look at your super fund, you don't have a beneficiary nomination applied as of yet. So I am making the recommendation. Sorry. If you're tracking to it's page 25, I do apologize.\n\nChannel 1: Yeah. That's all good. One moment there. I was just\n\nChannel 0: I'm making the recommendation that we apply a binding non lapsing beneficiary nomination to both your life insurance and your hub twenty four super account nominating Jessica. So in the\n\nChannel 1: Yeah.\n\nChannel 0: event\n\nChannel 1: Yeah.\n\nChannel 0: that anything was to happen, having these onboard means that the trustee is down to follow your direction and non lapsing essentially means that you don't have to fill out these forms continuously unless your circumstances change. So as long\n\nChannel 1: Yeah.\n\nChannel 0: as the the nomination is valid and we'll help you to make sure it is valid, then in the event of something happening, Jessica just needs to contact us, and we will help her with the claim. I always find it really important to make mention to have our number somewhere. I know we do send out business cards. Happy to organize another one if you need to. But just having\n\nChannel 1: Yep.\n\nChannel 0: it on the fridge or someone somewhere close means that in the event that something happens, Jessica can call us and go, hey. I am,\n\nChannel 1: Yep.\n\nChannel 0: Sean's partner. Certainly, this has happened. We need to make a claim. And, you know, with your life insurance and things like that, we will help her with the claim process to be nice and easy. Okay?\n\nChannel 1: Cool. Sounds good.\n\nChannel 0: Perfect. We also do make the recommendation in here that you do establish a will and power of attorney. Having the beneficiary nominations on your super is great because that obviously covers your super in the event that something happens. However, all of your other assets outside of super are just as important, investment properties, your properties, your savings, your cars, your couches, everything. So\n\nChannel 1: Yeah.\n\nChannel 0: having your will done up with us listed is a really important way of protecting all your other assets, and having a power\n\nChannel 1: Yep.\n\nChannel 0: of attorney is just as important. It's about making sure that in the event that you're unable to make decisions on your own behalf, that you have an attorney that's nominated someone you trust and that someone who knows what your wishes are. One of the biggest funds is, like, incapacity due to medical. Someone's had an injury or an illness, and they're not able to make decisions. They're in a coma or something's happened, and having that power of attorney to be enacted by your attorney means that you've given them direction on what you want them or how you want them to act if in the event that you're unable to act on your own behalf.\n\nSo the small\n\nChannel 1: Yeah.\n\nChannel 0: major things, but they they make make a really big difference. And I always think having paying for a solicitor to drop a will and power of attorney is really putting a bit more of invested in yourself and and your future and making sure that you're protected as well. Okay?\n\nChannel 1: Yep. No worries. Sounds\n\nChannel 0: Perfect.\n\nChannel 1: good.\n\nChannel 0: As part of the implementation, once you're happy to take on the advice, we'll get you to sign and return it back. Essentially, what we'll do is we'll start by just doing the investment switch for you. We do all that online. It's nice and easy. We'll then book you in to go through the insurance application with you.\n\nOne of our beautiful admin team will go through those questions nice and easy. We then send that off to the underwriters. They'll assess the application so long as there's nothing that causes a red flag. So I've seen applications go in very, very quickly. I've also seen them take a couple of weeks, so, hopefully, not as easy one for you.\n\nChannel 1: Yeah. No\n\nChannel 0: We\n\nChannel 1: worries.\n\nChannel 0: then also send out your beneficiary nominations. We can help to have them filled out. They just need to be witnessed by someone that's not the beneficiary or not not the beneficiary person. So Jessica couldn't essentially be a witness for you because she is the person we're nominating.\n\nChannel 1: Yeah.\n\nChannel 0: Designed by two witnesses to make it nice and easy, and then we can also send out a referral for you for a solicitor to give you some information around setting up a will, costing, things like that. And if you would like a referral on, we're happy to help you with that as well. Okay?\n\nChannel 1: Yep. No worries.\n\nChannel 0: Perfect. The only other thing to kinda make mention of is the advice is provided fully complimentary to yourself. There's no upfront fees for the advice. It's all part of you being an ongoing client. As an ongoing client, you do pay an ongoing service fee for our services.\n\nThat's including updating the advice. So working towards your goals of having the best of time that you can possibly have at the age of 60 there. The ongoing service fee is 1.65% per annum. It is calculated and deducted from your super in smaller monthly increments. So it does fluctuate with the market, but we wanna obviously make sure the market's moving the best they possibly can.\n\nChannel 1: Yep.\n\nChannel 0: I do also have to disclose that with insurance recommendations, we do receive remuneration for those from the insurance company. It's not paid by you in any way, shape, or form and has no effect on my recommendations. My recommendations have to be in your best interest. And that's\n\nChannel 1: Yep.\n\nChannel 0: why through the document, we note the best interest duty there for you.\n\nChannel 1: Cool.\n\nChannel 0: With the premiums, we do expect it's just 66% of the first year's premium and 22%, they're ongoing. So we have disclosed that inside this document on the last few pages there for you as well.\n\nChannel 1: Yeah.\n\nChannel 0: Does that all make sense? Do you have any questions for me at the moment?\n\nChannel 1: No. That's all good.\n\nChannel 0: Yep. Perfect. That is basically everything I needed to run through with you. We do have, sorry, attached to that, the quote for you to run your eyes over. I've also got a whole bunch of other documents attached there, the appendices, the PDF doc PDF documents if you're interested in having a look at the fraud disclosure statements.\n\nThe financial services guide for us has been updated recently, and there's some nice photos of all of us and all of my information in there as well. But, yeah, feel free to have a read through those. Once you're happy to take on the recommendations, we'll get you to sign and return it back, and we'll get this moving for you nice and quickly. Okay?\n\nChannel 1: No worries. Sounds good. Yeah. I've just gotta\n\nChannel 0: There\n\nChannel 1: sort out my will and everything,\n\nChannel 0: you\n\nChannel 1: which, yeah, I probably do when I\n\nChannel 0: go.\n\nChannel 1: get back from that trip.\n\nChannel 0: Absolutely.\n\nChannel 1: So yeah.\n\nChannel 0: No. Perfect. In the background, I'll go and update your investment information there for you,\n\nChannel 1: Yep.\n\nChannel 0: But thank you so much for that. I really appreciate you taking the time to run through this with me today. If there are any questions, let me know. I will email you after the call just with that document there so you can send it through whenever you're ready. It doesn't have to be now.\n\nIt's, you know, whenever\n\nChannel 1: Yep.\n\nChannel 0: you've got time, and I can happily break that down for you. It's part of what we do. We're here to support you, provide advice, but also here to give you information and help you to decipher things if you need them as well. So feel\n\nChannel 1: Yeah.\n\nChannel 0: free to use me to your full advantage. And if you find anyone else who wants to review their super, have a look at what they can do, please feel free to pass on my information. Happy to have a chat to anyone.\n\nChannel 1: Yes. So easy. Sounds\n\nChannel 0: Can\n\nChannel 1: good.\n\nChannel 0: you see? No worries at all, Sean. Do you have any questions that you wanted me to sort of break down? Did you have anything you wanted me to sort of go through in a bit more further detail for you? Or\n\nChannel 1: No. It's all still pretty good.\n\nChannel 0: Beautiful.\n\nChannel 1: Yeah. I'm pretty happy to go through and, yeah, just having\n\nChannel 0: Perfect.\n\nChannel 1: another look through the numbers and yeah.\n\nChannel 0: Absolutely.\n\nChannel 1: So it's more than roughly. Yeah. It's been\n\nChannel 0: Yeah.\n\nChannel 1: about 14% over a few years, which is good. So happy with that.\n\nChannel 0: Yeah. Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect.\n\nChannel 1: Yep.\n\nChannel 0: Well,\n\nChannel 1: All good.\n\nChannel 0: thank you so much for your time. If I don't talk\n\nChannel 1: No\n\nChannel 0: to you before,\n\nChannel 1: worries.\n\nChannel 0: have\n\nChannel 1: Thank\n\nChannel 0: an\n\nChannel 1: you.\n\nChannel 0: amazing trip, and\n\nChannel 1: Thank\n\nChannel 0: I really\n\nChannel 1: you.\n\nChannel 0: appreciate you taking my time today.\n\nChannel 1: No worries. Thanks for the call.\n\nChannel 0: Anytime, Sean. Have a great afternoon. Thank you.\n\nChannel 1: Same to you. Cheers.\n\nChannel 0: See you\n\nChannel 1: Good\n\nChannel 0: later.\n\nChannel 1: one. Thanks.\n\nChannel 0: Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.1999999,"end":1.6999999,"sentiment":"neutral","sentiment_score":0.02797584608197212}],"sentiment":"neutral","sentiment_score":0.02797584608197212,"channel":1,"num_words":1,"start":1.1999999,"end":1.6999999},{"sentences":[{"text":"Hi, Sean.","start":2.1599998,"end":2.8,"sentiment":"neutral","sentiment_score":0.10407091304659843},{"text":"This is Dana from Okie Financial.","start":2.8,"end":4.48,"sentiment":"neutral","sentiment_score":0.14353317519028982},{"text":"How are you this afternoon?","start":4.48,"end":5.7799997,"sentiment":"neutral","sentiment_score":0.1999220222234726}],"sentiment":"neutral","sentiment_score":0.1591500760270999,"channel":0,"num_words":13,"start":2.1599998,"end":5.7799997},{"sentences":[{"text":"Yeah.","start":6.0,"end":6.3199997,"sentiment":"neutral","sentiment_score":0.3032606840133667},{"text":"I'm 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that moving forward.","start":805.035,"end":809.995,"sentiment":"neutral","sentiment_score":0.20592247563249924},{"text":"Does that make sense?","start":809.995,"end":811.135,"sentiment":"neutral","sentiment_score":0.10416542738676071}],"sentiment":"neutral","sentiment_score":0.040629453801860414,"channel":0,"num_words":48,"start":795.95,"end":811.135},{"sentences":[{"text":"Yeah.","start":811.42,"end":811.82,"sentiment":"neutral","sentiment_score":0.17561739683151245},{"text":"Sounds good.","start":811.82,"end":812.64,"sentiment":"positive","sentiment_score":0.38102729618549347}],"sentiment":"neutral","sentiment_score":0.31255732973416644,"channel":1,"num_words":3,"start":811.42,"end":812.64},{"sentences":[{"text":"Yep.","start":812.315,"end":812.795,"sentiment":"neutral","sentiment_score":0.2893308997154236},{"text":"Perfect.","start":812.795,"end":813.295,"sentiment":"positive","sentiment_score":0.4680862724781037},{"text":"By making the investment switch that well, I'll I'll go through and show you what that looks like.","start":814.555,"end":818.73,"sentiment":"neutral","sentiment_score":0.2543610210220019},{"text":"But by making the investment switch there, we do estimate the CGT consequences.","start":818.97,"end":823.07,"sentiment":"neutral","sentiment_score":0.0682648537823787},{"text":"You'll see in the very top there in the difference column, the 3,250.","start":823.13,"end":827.70996,"sentiment":"neutral","sentiment_score":0.07521090341302064}],"sentiment":"neutral","sentiment_score":0.15654566074195114,"channel":0,"num_words":46,"start":812.315,"end":827.70996},{"sentences":[{"text":"You'll see","start":828.17,"end":828.64996,"sentiment":"neutral","sentiment_score":0.061754416674375534}],"sentiment":"neutral","sentiment_score":0.061754416674375534,"channel":0,"num_words":2,"start":828.17,"end":828.64996},{"sentences":[{"text":"Yes.","start":828.425,"end":828.925,"sentiment":"neutral","sentiment_score":0.0776515007019043}],"sentiment":"neutral","sentiment_score":0.0776515007019043,"channel":1,"num_words":1,"start":828.425,"end":828.925},{"sentences":[{"text":"on the underneath the table, we have a bit of a disclaimer, but that's essentially showing you the expected CGT consequences as well as any buy sell costs that will be incurred by the funds by making this switch.","start":828.64996,"end":840.495,"sentiment":"neutral","sentiment_score":0.0526087483486686},{"text":"Essentially,","start":841.03503,"end":841.53503,"sentiment":"neutral","sentiment_score":0.03926445543766022}],"sentiment":"neutral","sentiment_score":0.05227514102589339,"channel":0,"num_words":40,"start":828.64996,"end":841.53503},{"sentences":[{"text":"Yep.","start":841.16003,"end":841.66003,"sentiment":"neutral","sentiment_score":0.09714140743017197}],"sentiment":"neutral","sentiment_score":0.09714140743017197,"channel":1,"num_words":1,"start":841.16003,"end":841.66003},{"sentences":[{"text":"it's a small amount to make the switch.","start":841.91504,"end":843.515,"sentiment":"neutral","sentiment_score":0.08016491029411554},{"text":"We're retaining the funds, so it kind of limits the amount of CGT consequences possible.","start":843.515,"end":848.74005,"sentiment":"neutral","sentiment_score":0.006820270170768102},{"text":"However, there is always gonna be some sort of tax consequences when we are switching investments there.","start":849.36005,"end":853.76,"sentiment":"neutral","sentiment_score":-0.08528444916009903},{"text":"So we've tried to limit them as much as possible, but once they make the switch to better performing high growth environment, your funds can work harder and make that money back nice and quick.","start":853.76,"end":863.315,"sentiment":"neutral","sentiment_score":-0.008723905256816319},{"text":"Okay?","start":863.375,"end":863.875,"sentiment":"neutral","sentiment_score":0.11053913831710815}],"sentiment":"neutral","sentiment_score":-0.011855392716825008,"channel":0,"num_words":76,"start":841.91504,"end":863.875},{"sentences":[{"text":"Cool.","start":863.865,"end":864.365,"sentiment":"positive","sentiment_score":0.3753519058227539},{"text":"Sounds good.","start":864.505,"end":865.35,"sentiment":"positive","sentiment_score":0.40210220217704773}],"sentiment":"positive","sentiment_score":0.39318543672561646,"channel":1,"num_words":3,"start":863.865,"end":865.35},{"sentences":[{"text":"Perfect.","start":865.055,"end":865.555,"sentiment":"positive","sentiment_score":0.41881388425827026},{"text":"By making the switch as well, you'll also notice there the administration fees are reduced slightly as well for the first year.","start":866.335,"end":872.735,"sentiment":"neutral","sentiment_score":0.2521806122227149},{"text":"It's about a $3 difference.","start":872.735,"end":874.25,"sentiment":"neutral","sentiment_score":0.10885465294122695},{"text":"Not a huge difference, but every little bit helps these days.","start":874.31,"end":877.43,"sentiment":"neutral","sentiment_score":0.1513665376061743},{"text":"Saving some fees can make a a big difference when you're compounding that forward.","start":877.43,"end":881.53,"sentiment":"neutral","sentiment_score":0.2307249658874103}],"sentiment":"neutral","sentiment_score":0.215212114225581,"channel":0,"num_words":53,"start":865.055,"end":881.53},{"sentences":[{"text":"But it","start":881.91003,"end":882.31,"sentiment":"neutral","sentiment_score":0.17976779490709305}],"sentiment":"neutral","sentiment_score":0.17976779490709305,"channel":0,"num_words":2,"start":881.91003,"end":882.31},{"sentences":[{"text":"Yep.","start":882.09503,"end":882.59503,"sentiment":"neutral","sentiment_score":0.21030132472515103}],"sentiment":"neutral","sentiment_score":0.21030132472515103,"channel":1,"num_words":1,"start":882.09503,"end":882.59503},{"sentences":[{"text":"also changes the investment fees as well.","start":882.31,"end":884.55005,"sentiment":"neutral","sentiment_score":0.21103058542524064},{"text":"So we save about $53 on investment fees.","start":884.55005,"end":887.43,"sentiment":"positive","sentiment_score":0.35733395628631115},{"text":"So it's nice and cheap there.","start":887.43,"end":890.505,"sentiment":"positive","sentiment_score":0.49707038700580597},{"text":"Other fees within the fund are a little bit higher with some of the investment options that we have chosen.","start":890.885,"end":895.46497,"sentiment":"neutral","sentiment_score":0.02751404922455549},{"text":"However, with when we sort of weighed up the options, getting a better better performing portfolio is, you know, weighing up the options outweigh the cost of the change.","start":895.765,"end":905.95,"sentiment":"neutral","sentiment_score":0.117341339459707}],"sentiment":"neutral","sentiment_score":0.16102125570178033,"channel":0,"num_words":70,"start":882.31,"end":905.95},{"sentences":[{"text":"So","start":905.95,"end":906.45,"sentiment":"neutral","sentiment_score":0.09860966354608536}],"sentiment":"neutral","sentiment_score":0.09860966354608536,"channel":0,"num_words":1,"start":905.95,"end":906.45},{"sentences":[{"text":"Yep.","start":906.57,"end":906.975,"sentiment":"neutral","sentiment_score":0.10605531930923462}],"sentiment":"neutral","sentiment_score":0.10605531930923462,"channel":1,"num_words":1,"start":906.57,"end":906.975},{"sentences":[{"text":"yeah.","start":906.82996,"end":907.32996,"sentiment":"neutral","sentiment_score":0.0997396558523178}],"sentiment":"neutral","sentiment_score":0.0997396558523178,"channel":0,"num_words":1,"start":906.82996,"end":907.32996},{"sentences":[{"text":"No","start":907.375,"end":907.875,"sentiment":"neutral","sentiment_score":0.08867916464805603}],"sentiment":"neutral","sentiment_score":0.08867916464805603,"channel":1,"num_words":1,"start":907.375,"end":907.875},{"sentences":[{"text":"Perfect.","start":907.70996,"end":908.20996,"sentiment":"neutral","sentiment_score":0.07560692727565765}],"sentiment":"neutral","sentiment_score":0.07560692727565765,"channel":0,"num_words":1,"start":907.70996,"end":908.20996},{"sentences":[{"text":"worries.","start":908.33496,"end":908.83496,"sentiment":"neutral","sentiment_score":-0.006101669743657112}],"sentiment":"neutral","sentiment_score":-0.006101669743657112,"channel":1,"num_words":1,"start":908.33496,"end":908.83496},{"sentences":[{"text":"You'll also see that the insurance premiums so at the moment, you don't have any insurance premiums paid out of super, but because we have decided to look at the life and TPD component there for you, the insurance premiums, the cost of the first year is $384 deducted","start":909.47,"end":922.885,"sentiment":"neutral","sentiment_score":0.036576173971502146}],"sentiment":"neutral","sentiment_score":0.036576173971502146,"channel":0,"num_words":49,"start":909.47,"end":922.885},{"sentences":[{"text":"Yep.","start":922.78,"end":923.28,"sentiment":"neutral","sentiment_score":0.038450151681900024}],"sentiment":"neutral","sentiment_score":0.038450151681900024,"channel":1,"num_words":1,"start":922.78,"end":923.28},{"sentences":[{"text":"from your super fund for those insurances.","start":922.885,"end":924.825,"sentiment":"neutral","sentiment_score":0.05272274517587253},{"text":"Okay?","start":925.125,"end":925.625,"sentiment":"neutral","sentiment_score":0.08454497158527374},{"text":"Perfect.","start":926.405,"end":926.905,"sentiment":"positive","sentiment_score":0.4565052986145019}],"sentiment":"neutral","sentiment_score":0.10112327627009815,"channel":0,"num_words":9,"start":922.885,"end":926.905},{"sentences":[{"text":"No worries.","start":926.62,"end":927.36,"sentiment":"neutral","sentiment_score":0.31642045080661774}],"sentiment":"neutral","sentiment_score":0.31642045080661774,"channel":1,"num_words":2,"start":926.62,"end":927.36},{"sentences":[{"text":"If the fund did perform the way it has over the past three years over the next sort of five years, you could end up with about a million and 56,000.","start":928.005,"end":935.79,"sentiment":"neutral","sentiment_score":0.28194627021589586},{"text":"I honestly don't think we're gonna end up that 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normally","start":955.925,"end":957.125,"sentiment":"neutral","sentiment_score":0.05685047308603922}],"sentiment":"neutral","sentiment_score":0.0421048996171781,"channel":0,"num_words":14,"start":952.805,"end":957.125},{"sentences":[{"text":"Yep.","start":956.94,"end":957.44,"sentiment":"neutral","sentiment_score":0.042859744280576706}],"sentiment":"neutral","sentiment_score":0.042859744280576706,"channel":1,"num_words":1,"start":956.94,"end":957.44},{"sentences":[{"text":"am a bit cautious about giving people these kinds of projection figures, but because your balance is so high to begin with, smaller changes make a big difference.","start":957.125,"end":965.08,"sentiment":"neutral","sentiment_score":0.054707687215081284},{"text":"You actually could end up very close to this figure in the next five years.","start":965.08,"end":968.36005,"sentiment":"neutral","sentiment_score":0.22915084660053253},{"text":"Okay?","start":968.36005,"end":968.86005,"sentiment":"neutral","sentiment_score":0.19823993742465973}],"sentiment":"neutral","sentiment_score":0.11743904269215735,"channel":0,"num_words":44,"start":957.125,"end":968.86005},{"sentences":[{"text":"That'd be great.","start":969.315,"end":970.295,"sentiment":"positive","sentiment_score":0.4720832407474518}],"sentiment":"positive","sentiment_score":0.4720832407474518,"channel":1,"num_words":3,"start":969.315,"end":970.295},{"sentences":[{"text":"Yeah.","start":970.60004,"end":971.10004,"sentiment":"neutral","sentiment_score":0.2116166949272156},{"text":"I'd say we'll work on it, and we'll keep we'll we'll we'll keep tracking on to see where we're going.","start":972.12006,"end":976.505,"sentiment":"neutral","sentiment_score":0.1799914486706257}],"sentiment":"neutral","sentiment_score":0.18149741277808235,"channel":0,"num_words":21,"start":970.60004,"end":976.505},{"sentences":[{"text":"Yeah.","start":977.075,"end":977.555,"sentiment":"neutral","sentiment_score":0.14916189014911652},{"text":"Sure.","start":977.555,"end":978.055,"sentiment":"neutral","sentiment_score":0.2188575863838196}],"sentiment":"neutral","sentiment_score":0.18400973826646805,"channel":1,"num_words":2,"start":977.075,"end":978.055},{"sentences":[{"text":"I would love it if we could exceed that figure in all honesty.","start":977.925,"end":980.645,"sentiment":"positive","sentiment_score":0.3715182691812515},{"text":"I think you've","start":980.645,"end":981.28503,"sentiment":"neutral","sentiment_score":0.1324844111998876}],"sentiment":"neutral","sentiment_score":0.3266994208097458,"channel":0,"num_words":16,"start":977.925,"end":981.28503},{"sentences":[{"text":"Yeah.","start":981.075,"end":981.575,"sentiment":"neutral","sentiment_score":0.19018904864788055}],"sentiment":"neutral","sentiment_score":0.19018904864788055,"channel":1,"num_words":1,"start":981.075,"end":981.575},{"sentences":[{"text":"you worked really hard.","start":981.365,"end":982.485,"sentiment":"neutral","sentiment_score":0.30841538310050964},{"text":"You've got a a really good life ahead of you, and you've got a lot of time before retirement.","start":982.485,"end":986.505,"sentiment":"positive","sentiment_score":0.34778722257990585},{"text":"But when you get there, the fact that you will have worked for so many years, you deserve every bit of retirement you could 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that.","start":1007.225,"end":1012.985,"sentiment":"neutral","sentiment_score":0.1504257318118344},{"text":"So moving","start":1012.985,"end":1014.185,"sentiment":"neutral","sentiment_score":0.08584820479154587}],"sentiment":"neutral","sentiment_score":0.169895808326035,"channel":0,"num_words":41,"start":1002.345,"end":1014.185},{"sentences":[{"text":"Yes.","start":1014.09,"end":1014.59,"sentiment":"neutral","sentiment_score":0.0521700456738472}],"sentiment":"neutral","sentiment_score":0.0521700456738472,"channel":1,"num_words":1,"start":1014.09,"end":1014.59},{"sentences":[{"text":"into high growth portfolio was something we discussed.","start":1014.185,"end":1016.77997,"sentiment":"neutral","sentiment_score":0.13621241692453623},{"text":"It aligns along with your goals and objectives.","start":1016.77997,"end":1019.01996,"sentiment":"positive","sentiment_score":0.33414116129279137},{"text":"You're still young.","start":1019.01996,"end":1019.74,"sentiment":"neutral","sentiment_score":0.16191603243350983},{"text":"You wanted to take a bit more risk in the market for greater potential returns, and giving you the high growth portfolio allows for that.","start":1019.74,"end":1026.54,"sentiment":"neutral","sentiment_score":0.33179859578609466},{"text":"We're aware that markets do fluctuate.","start":1026.54,"end":1028.2999,"sentiment":"neutral","sentiment_score":0.000627285490433375}],"sentiment":"neutral","sentiment_score":0.25094610661268235,"channel":0,"num_words":50,"start":1014.185,"end":1028.2999},{"sentences":[{"text":"They go up and down.","start":1028.2999,"end":1029.585,"sentiment":"neutral","sentiment_score":-0.05171995759010315},{"text":"And in in the down times moving forward, if you've got a bit of extra money, call me, and we can look at what to do to maximize those downtime.","start":1029.585,"end":1036.165,"sentiment":"neutral","sentiment_score":0.0031892896940310797},{"text":"Okay?","start":1036.305,"end":1036.805,"sentiment":"neutral","sentiment_score":0.03137790784239769}],"sentiment":"neutral","sentiment_score":-0.003653977480199602,"channel":0,"num_words":36,"start":1028.2999,"end":1036.805},{"sentences":[{"text":"Yeah.","start":1037.035,"end":1037.535,"sentiment":"neutral","sentiment_score":0.05274762958288193}],"sentiment":"neutral","sentiment_score":0.05274762958288193,"channel":1,"num_words":1,"start":1037.035,"end":1037.535},{"sentences":[{"text":"For paying, you have 24 is in your best interest as the fund itself is has not had any major changes that are gonna negatively impact you.","start":1038.305,"end":1046.46,"sentiment":"neutral","sentiment_score":0.0591610345851492},{"text":"And by being able to retain the fund and complete the switch within the fund, we actually are able to reduce the CJT liability from what it would have been if we had have moved to a different fund.","start":1046.46,"end":1057.44,"sentiment":"neutral","sentiment_score":0.2897525273072414},{"text":"Okay?","start":1057.5,"end":1058.0,"sentiment":"neutral","sentiment_score":0.16274990141391754}],"sentiment":"neutral","sentiment_score":0.19493203582381136,"channel":0,"num_words":67,"start":1038.305,"end":1058.0},{"sentences":[{"text":"Oh, sounds good.","start":1058.1449,"end":1059.6849,"sentiment":"positive","sentiment_score":0.4910060067971547}],"sentiment":"positive","sentiment_score":0.4910060067971547,"channel":1,"num_words":3,"start":1058.1449,"end":1059.6849},{"sentences":[{"text":"Perfect.","start":1059.245,"end":1059.745,"sentiment":"positive","sentiment_score":0.4785512685775757},{"text":"If you scroll down for me to page number 16, this will sort of show you what we're talking about with regards to the investments there as 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underperforming.","start":1074.75,"end":1083.7301,"sentiment":"neutral","sentiment_score":0.04771984132627646},{"text":"We'll","start":1084.725,"end":1084.805,"sentiment":"neutral","sentiment_score":0.09735065698623656}],"sentiment":"neutral","sentiment_score":0.08003686344686975,"channel":0,"num_words":47,"start":1069.4049,"end":1084.805},{"sentences":[{"text":"Yep.","start":1084.795,"end":1085.295,"sentiment":"neutral","sentiment_score":0.0937313660979271}],"sentiment":"neutral","sentiment_score":0.0937313660979271,"channel":1,"num_words":1,"start":1084.795,"end":1085.295},{"sentences":[{"text":"be putting you putting some more money into the bank hybrids there, a bit more of a defensive investment.","start":1084.805,"end":1089.625,"sentiment":"neutral","sentiment_score":0.13052034927041908},{"text":"Some physical gold, which has done really, really well and 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on.","start":1104.98,"end":1107.64,"sentiment":"neutral","sentiment_score":0.22260979645782047},{"text":"And then we'll also be, sorry, moving money out of the core composite bonds there, putting some more into the S and P 500 to giving you some more exposure into the American market.","start":1108.58,"end":1120.495,"sentiment":"neutral","sentiment_score":0.10294864403412622},{"text":"And then we've","start":1120.875,"end":1121.515,"sentiment":"neutral","sentiment_score":0.06956017762422562}],"sentiment":"neutral","sentiment_score":0.19421154646159605,"channel":0,"num_words":86,"start":1093.125,"end":1121.515},{"sentences":[{"text":"Yep.","start":1121.2949,"end":1121.7949,"sentiment":"neutral","sentiment_score":0.04653995484113693}],"sentiment":"neutral","sentiment_score":0.04653995484113693,"channel":1,"num_words":1,"start":1121.2949,"end":1121.7949},{"sentences":[{"text":"got removing the VanEck Australian properties, so taking 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shown greater past performance for you.","start":1157.3501,"end":1164.79,"sentiment":"neutral","sentiment_score":0.17277816625741813},{"text":"Okay?","start":1164.79,"end":1165.29,"sentiment":"neutral","sentiment_score":0.1856151521205902}],"sentiment":"neutral","sentiment_score":0.1457964200526476,"channel":0,"num_words":58,"start":1145.9249,"end":1165.29},{"sentences":[{"text":"Cool.","start":1165.9299,"end":1166.385,"sentiment":"positive","sentiment_score":0.6031463146209717}],"sentiment":"positive","sentiment_score":0.6031463146209717,"channel":1,"num_words":1,"start":1165.9299,"end":1166.385},{"sentences":[{"text":"Perfect.","start":1166.8049,"end":1167.3049,"sentiment":"positive","sentiment_score":0.6170841455459595},{"text":"And the last one at the bottom there is the JPMorgan Global Research Enhanced Equity Fund.","start":1167.6849,"end":1172.245,"sentiment":"neutral","sentiment_score":0.2603697218000889},{"text":"This is just giving you access to, again, this global 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Sean.","start":1213.95,"end":1218.2699,"sentiment":"neutral","sentiment_score":-0.014400713635902656},{"text":"Easy.","start":1218.2699,"end":1218.7699,"sentiment":"neutral","sentiment_score":0.044239528477191925}],"sentiment":"neutral","sentiment_score":-0.011468701530247927,"channel":0,"num_words":20,"start":1213.95,"end":1218.7699},{"sentences":[{"text":"no.","start":1218.46,"end":1218.78,"sentiment":"neutral","sentiment_score":0.061827875673770905},{"text":"Sounds good.","start":1218.78,"end":1219.66,"sentiment":"neutral","sentiment_score":0.22336287051439285},{"text":"It's 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that you do have your employer paid policy, but we don't really know a lot about how much you are covered for.","start":1334.53,"end":1342.475,"sentiment":"neutral","sentiment_score":0.07379059283243071},{"text":"So one of the things we did talk about was, you know, if anything happened to you with regard to life and total permanent disability, having a bit of money there to maybe cover your mortgage or provide a little bit of additional benefit was important just to kind of allow you to take some time off, pay off the mortgage, you know, without having to worry about how much you were covered for through the employer paid policy because it was so unsure.","start":1342.615,"end":1366.4,"sentiment":"neutral","sentiment_score":0.17326649597712926}],"sentiment":"neutral","sentiment_score":0.1457167909060034,"channel":0,"num_words":124,"start":1329.73,"end":1366.4},{"sentences":[{"text":"Yep.","start":1367.095,"end":1367.595,"sentiment":"neutral","sentiment_score":0.03060874715447426}],"sentiment":"neutral","sentiment_score":0.03060874715447426,"channel":1,"num_words":1,"start":1367.095,"end":1367.595},{"sentences":[{"text":"So I did go back and do a bit of research there.","start":1367.495,"end":1370.0549,"sentiment":"neutral","sentiment_score":0.16995900124311447},{"text":"I have made a recommendation that we do apply for life and CBD through Neos for the sum insured of 384,605.","start":1370.0549,"end":1378.95,"sentiment":"neutral","sentiment_score":0.20268768320480982},{"text":"Essentially,","start":1379.2699,"end":1379.59,"sentiment":"neutral","sentiment_score":0.14201954007148743}],"sentiment":"neutral","sentiment_score":0.18935202653793728,"channel":0,"num_words":34,"start":1367.495,"end":1379.59},{"sentences":[{"text":"Yep.","start":1379.51,"end":1380.01,"sentiment":"neutral","sentiment_score":0.14836609363555908}],"sentiment":"neutral","sentiment_score":0.14836609363555908,"channel":1,"num_words":1,"start":1379.51,"end":1380.01},{"sentences":[{"text":"when we sort of spoke, we looked at your mortgage, which was about 498, I believe, above there, and we looked at with your super balance just applying for about $300,000 of life and TBD and then accounting for the tax on TBD of up to 22% there as well.","start":1379.59,"end":1395.605,"sentiment":"neutral","sentiment_score":0.09225096635520458},{"text":"So that essentially meant that without accounting for the employer paid policy, because there were so many unknowns there, in the event of you passing away or becoming TPD, you would receive that $300,000 benefit from the TPD.","start":1395.605,"end":1408.91,"sentiment":"neutral","sentiment_score":0.11498205373553853},{"text":"Last, you'll get the full $3.84 paid to your partner.","start":1409.29,"end":1412.27,"sentiment":"neutral","sentiment_score":0.17237021699547767},{"text":"But then","start":1412.81,"end":1413.2101,"sentiment":"neutral","sentiment_score":0.12968619167804718}],"sentiment":"neutral","sentiment_score":0.10964940913021565,"channel":0,"num_words":100,"start":1379.59,"end":1413.2101},{"sentences":[{"text":"Yep.","start":1413.14,"end":1413.64,"sentiment":"neutral","sentiment_score":0.1417965590953827}],"sentiment":"neutral","sentiment_score":0.1417965590953827,"channel":1,"num_words":1,"start":1413.14,"end":1413.64},{"sentences":[{"text":"your super benefit on top of that can help pay off the rest of the mortgage and then provide some additional living expenses or income replacement there.","start":1413.2101,"end":1420.7301,"sentiment":"neutral","sentiment_score":0.19655750471132774},{"text":"Does that kind of ring about?","start":1420.7301,"end":1421.8501,"sentiment":"neutral","sentiment_score":0.08130252982179324},{"text":"Does that make sense, and","start":1421.8501,"end":1422.81,"sentiment":"neutral","sentiment_score":0.11683211624622344}],"sentiment":"neutral","sentiment_score":0.16786916808862434,"channel":0,"num_words":38,"start":1413.2101,"end":1422.81},{"sentences":[{"text":"Yeah.","start":1422.805,"end":1423.305,"sentiment":"neutral","sentiment_score":0.12347064912319183}],"sentiment":"neutral","sentiment_score":0.12347064912319183,"channel":1,"num_words":1,"start":1422.805,"end":1423.305},{"sentences":[{"text":"is that still","start":1422.81,"end":1423.565,"sentiment":"neutral","sentiment_score":0.12176577746868134}],"sentiment":"neutral","sentiment_score":0.12176577746868134,"channel":0,"num_words":3,"start":1422.81,"end":1423.565},{"sentences":[{"text":"Yep.","start":1423.4451,"end":1423.9451,"sentiment":"neutral","sentiment_score":0.10367651283740996}],"sentiment":"neutral","sentiment_score":0.10367651283740996,"channel":1,"num_words":1,"start":1423.4451,"end":1423.9451},{"sentences":[{"text":"appropriate?","start":1423.565,"end":1424.065,"sentiment":"neutral","sentiment_score":0.08518963307142258},{"text":"Yeah.","start":1424.285,"end":1424.785,"sentiment":"neutral","sentiment_score":0.04838867858052254}],"sentiment":"neutral","sentiment_score":0.06678915582597256,"channel":0,"num_words":2,"start":1423.565,"end":1424.785},{"sentences":[{"text":"Yeah.","start":1424.7251,"end":1424.9651,"sentiment":"neutral","sentiment_score":0.038891471922397614},{"text":"I think so.","start":1424.9651,"end":1425.8451,"sentiment":"neutral","sentiment_score":0.020208461210131645},{"text":"It's gonna","start":1425.8451,"end":1426.4851,"sentiment":"neutral","sentiment_score":-0.09437184780836105}],"sentiment":"neutral","sentiment_score":-0.014871140010654928,"channel":1,"num_words":6,"start":1424.7251,"end":1426.4851},{"sentences":[{"text":"Yep.","start":1426.365,"end":1426.865,"sentiment":"neutral","sentiment_score":-0.15430277585983276}],"sentiment":"neutral","sentiment_score":-0.15430277585983276,"channel":0,"num_words":1,"start":1426.365,"end":1426.865},{"sentences":[{"text":"hurt today a bit more, I think.","start":1426.4851,"end":1428.165,"sentiment":"neutral","sentiment_score":-0.28980981026376995},{"text":"So","start":1428.165,"end":1428.405,"sentiment":"neutral","sentiment_score":0.045680321753025055}],"sentiment":"neutral","sentiment_score":-0.2478735437616706,"channel":1,"num_words":8,"start":1426.4851,"end":1428.405},{"sentences":[{"text":"Absolutely.","start":1428.445,"end":1428.945,"sentiment":"neutral","sentiment_score":0.13460896909236908}],"sentiment":"neutral","sentiment_score":0.13460896909236908,"channel":0,"num_words":1,"start":1428.445,"end":1428.945},{"sentences":[{"text":"yeah.","start":1428.4851,"end":1428.9851,"sentiment":"neutral","sentiment_score":0.08595411479473114}],"sentiment":"neutral","sentiment_score":0.08595411479473114,"channel":1,"num_words":1,"start":1428.4851,"end":1428.9851},{"sentences":[{"text":"The only sort of thing I do wanna check, though, because you now do have that investment property there with having the extra mortgage, in the event of passing away, do you feel like that amount we are looking to apply for is still gonna be appropriate?","start":1429.485,"end":1441.23,"sentiment":"neutral","sentiment_score":0.02452269561113195},{"text":"Do you think your partner might wanna just sell the investment property or keep it going the way it is, or did you wanna look at a higher amount of life cover?","start":1441.29,"end":1448.97,"sentiment":"neutral","sentiment_score":-0.031737940735183656},{"text":"What do you sort of feel about the changes to your circumstances?","start":1448.97,"end":1452.27,"sentiment":"neutral","sentiment_score":-0.03871634121363362}],"sentiment":"neutral","sentiment_score":-0.003600478069959106,"channel":0,"num_words":91,"start":1429.485,"end":1452.27},{"sentences":[{"text":"I think just stick with this,","start":1453.085,"end":1455.745,"sentiment":"neutral","sentiment_score":0.09499679630001386}],"sentiment":"neutral","sentiment_score":0.09499679630001386,"channel":1,"num_words":6,"start":1453.085,"end":1455.745},{"sentences":[{"text":"Yep.","start":1456.3049,"end":1456.8049,"sentiment":"neutral","sentiment_score":0.18967531621456143}],"sentiment":"neutral","sentiment_score":0.18967531621456143,"channel":0,"num_words":1,"start":1456.3049,"end":1456.8049},{"sentences":[{"text":"and then, you know, it gives enough breathing space to","start":1456.605,"end":1459.47,"sentiment":"neutral","sentiment_score":0.1546473652124405}],"sentiment":"neutral","sentiment_score":0.1546473652124405,"channel":1,"num_words":10,"start":1456.605,"end":1459.47},{"sentences":[{"text":"Yep.","start":1459.585,"end":1460.085,"sentiment":"neutral","sentiment_score":0.12693500518798828}],"sentiment":"neutral","sentiment_score":0.12693500518798828,"channel":0,"num_words":1,"start":1459.585,"end":1460.085},{"sentences":[{"text":"make decisions on that if it comes","start":1459.71,"end":1461.87,"sentiment":"neutral","sentiment_score":0.107389078608581}],"sentiment":"neutral","sentiment_score":0.107389078608581,"channel":1,"num_words":7,"start":1459.71,"end":1461.87},{"sentences":[{"text":"Absolutely.","start":1461.745,"end":1462.245,"sentiment":"neutral","sentiment_score":0.0868963748216629}],"sentiment":"neutral","sentiment_score":0.0868963748216629,"channel":0,"num_words":1,"start":1461.745,"end":1462.245},{"sentences":[{"text":"to 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it's","start":1462.99,"end":1463.5499,"sentiment":"neutral","sentiment_score":0.08264560997486115}],"sentiment":"neutral","sentiment_score":0.08264560997486115,"channel":1,"num_words":2,"start":1462.99,"end":1463.5499},{"sentences":[{"text":"Yep.","start":1463.505,"end":1464.005,"sentiment":"neutral","sentiment_score":0.0366826057434082}],"sentiment":"neutral","sentiment_score":0.0366826057434082,"channel":0,"num_words":1,"start":1463.505,"end":1464.005},{"sentences":[{"text":"just be a a sell, I 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back to the pre disability or preclaim amount.","start":1500.84,"end":1515.715,"sentiment":"neutral","sentiment_score":0.14382580422023508},{"text":"So you can have your life reinstated and then claim on life cover at at a later time.","start":1515.715,"end":1520.835,"sentiment":"neutral","sentiment_score":0.19638947397470474},{"text":"Does that make sense?","start":1520.835,"end":1521.93,"sentiment":"neutral","sentiment_score":0.11476542986929417}],"sentiment":"neutral","sentiment_score":0.14889557533038472,"channel":0,"num_words":103,"start":1491.075,"end":1521.93},{"sentences":[{"text":"Oh, 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the event of a TBD claim, after the 22% tax, you can receive the $300,000.","start":1577.215,"end":1585.51,"sentiment":"positive","sentiment_score":0.43668263921370876},{"text":"It's giving you the life cover, and it means that anything you receive on top of that in the event of a TBD claim, if you, you know, claim on this, then you get your super release, and then your employer paid policy pays out a more as well.","start":1585.51,"end":1597.245,"sentiment":"positive","sentiment_score":0.4692841932481649},{"text":"It's just giving you that extra benefit without the stress of the unknown of how much you're actually covered 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before","start":1796.555,"end":1803.0701,"sentiment":"neutral","sentiment_score":-0.12643395379185676}],"sentiment":"neutral","sentiment_score":-0.13653510357154178,"channel":0,"num_words":47,"start":1789.915,"end":1803.0701},{"sentences":[{"text":"Yep.","start":1803.025,"end":1803.525,"sentiment":"neutral","sentiment_score":-0.016544457525014877}],"sentiment":"neutral","sentiment_score":-0.016544457525014877,"channel":1,"num_words":1,"start":1803.025,"end":1803.525},{"sentences":[{"text":"putting the policy in force.","start":1803.0701,"end":1804.43,"sentiment":"neutral","sentiment_score":0.01854083240032196},{"text":"We'll come back and have a chat if there is any revised terms provided.","start":1804.43,"end":1807.81,"sentiment":"neutral","sentiment_score":0.07797922806016036},{"text":"Okay?","start":1808.03,"end":1808.53,"sentiment":"neutral","sentiment_score":0.10349519550800323}],"sentiment":"neutral","sentiment_score":0.0643954275175929,"channel":0,"num_words":20,"start":1803.0701,"end":1808.53},{"sentences":[{"text":"Cool.","start":1808.7051,"end":1809.1051,"sentiment":"positive","sentiment_score":0.42097824811935425},{"text":"No worries.","start":1809.1051,"end":1809.8451,"sentiment":"neutral","sentiment_score":0.33047422766685486}],"sentiment":"positive","sentiment_score":0.3606422344843547,"channel":1,"num_words":3,"start":1808.7051,"end":1809.8451},{"sentences":[{"text":"Perfect.","start":1809.55,"end":1810.05,"sentiment":"positive","sentiment_score":0.6347120404243469},{"text":"I will let you have a reach for the advantages, disadvantages, and risks involved.","start":1811.2301,"end":1814.8301,"sentiment":"neutral","sentiment_score":0.28357524797320366},{"text":"I kinda go through some of them, not to bore you with pages and pages, but feel free to have run your eyes over those.","start":1814.8301,"end":1820.465,"sentiment":"neutral","sentiment_score":0.20669431746006012},{"text":"And if you find you do have any questions there, please do let me know.","start":1820.465,"end":1823.6649,"sentiment":"neutral","sentiment_score":0.24315881927808125},{"text":"Okay.","start":1823.6649,"end":1824.1649,"sentiment":"neutral","sentiment_score":0.3013361692428589}],"sentiment":"neutral","sentiment_score":0.24501503405294248,"channel":0,"num_words":56,"start":1809.55,"end":1824.1649},{"sentences":[{"text":"Yep.","start":1824.155,"end":1824.635,"sentiment":"positive","sentiment_score":0.33477601408958435},{"text":"That's all 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things.","start":1827.265,"end":1830.865,"sentiment":"neutral","sentiment_score":0.06506620805997115},{"text":"So because we are looking at life insurance through Neos and I had a look at your super fund, you don't have a beneficiary nomination applied as of yet.","start":1830.865,"end":1839.6399,"sentiment":"neutral","sentiment_score":0.016198490842663008},{"text":"So I am making the recommendation.","start":1839.6399,"end":1841.82,"sentiment":"neutral","sentiment_score":0.036794388666749},{"text":"Sorry.","start":1842.0399,"end":1842.36,"sentiment":"neutral","sentiment_score":-0.16289938986301422},{"text":"If you're tracking to it's page 25, I do apologize.","start":1842.36,"end":1845.1,"sentiment":"neutral","sentiment_score":-0.12796689942479134}],"sentiment":"neutral","sentiment_score":0.0015900828323121797,"channel":0,"num_words":59,"start":1827.265,"end":1845.1},{"sentences":[{"text":"Yeah.","start":1846.01,"end":1846.25,"sentiment":"neutral","sentiment_score":0.17945262789726257},{"text":"That's all good.","start":1846.25,"end":1847.2899,"sentiment":"positive","sentiment_score":0.3783358136812846},{"text":"One moment there.","start":1847.2899,"end":1848.09,"sentiment":"neutral","sentiment_score":0.14829989274342856},{"text":"I was just","start":1848.09,"end":1848.9099,"sentiment":"neutral","sentiment_score":0.06743445247411728}],"sentiment":"neutral","sentiment_score":0.19616631045937538,"channel":1,"num_words":10,"start":1846.01,"end":1848.9099},{"sentences":[{"text":"I'm making the recommendation that we apply a binding non lapsing beneficiary nomination to both your life insurance and your hub twenty four super account 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having these onboard means that the trustee is down to follow your direction and non lapsing essentially means that you don't have to fill out these forms continuously unless your circumstances change.","start":1861.71,"end":1873.95,"sentiment":"neutral","sentiment_score":0.13214212766772993},{"text":"So as long","start":1873.95,"end":1874.67,"sentiment":"neutral","sentiment_score":0.11860740929841995}],"sentiment":"neutral","sentiment_score":0.13112702379003166,"channel":0,"num_words":40,"start":1861.71,"end":1874.67},{"sentences":[{"text":"Yeah.","start":1874.62,"end":1875.12,"sentiment":"neutral","sentiment_score":0.18628813326358795}],"sentiment":"neutral","sentiment_score":0.18628813326358795,"channel":1,"num_words":1,"start":1874.62,"end":1875.12},{"sentences":[{"text":"as the the nomination is valid and we'll help you to make sure it is valid, then in the event of something happening, Jessica just needs to contact us, and we will help her with the 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your investment information there for you,","start":2174.745,"end":2178.99,"sentiment":"neutral","sentiment_score":0.15878893664250007}],"sentiment":"neutral","sentiment_score":0.15426625410715739,"channel":0,"num_words":15,"start":2173.7852,"end":2178.99},{"sentences":[{"text":"Yep.","start":2179.395,"end":2179.895,"sentiment":"neutral","sentiment_score":0.210696741938591}],"sentiment":"neutral","sentiment_score":0.210696741938591,"channel":1,"num_words":1,"start":2179.395,"end":2179.895},{"sentences":[{"text":"But thank you so much for that.","start":2179.47,"end":2180.67,"sentiment":"positive","sentiment_score":0.5782327566828046},{"text":"I really appreciate you taking the time to run through this with me today.","start":2180.67,"end":2183.71,"sentiment":"positive","sentiment_score":0.6142809135573251},{"text":"If there are any questions, let me know.","start":2183.71,"end":2185.31,"sentiment":"neutral","sentiment_score":0.22771421074867249},{"text":"I will email you after the call just with that document there so you can send it through whenever you're ready.","start":2185.31,"end":2190.11,"sentiment":"neutral","sentiment_score":0.2916294889790671},{"text":"It doesn't have to be now.","start":2190.11,"end":2190.99,"sentiment":"neutral","sentiment_score":0.17935153593619665}],"sentiment":"positive","sentiment_score":0.3869572188705206,"channel":0,"num_words":56,"start":2179.47,"end":2190.99},{"sentences":[{"text":"It's, you know, whenever","start":2190.99,"end":2191.95,"sentiment":"neutral","sentiment_score":0.26808302849531174}],"sentiment":"neutral","sentiment_score":0.26808302849531174,"channel":0,"num_words":4,"start":2190.99,"end":2191.95},{"sentences":[{"text":"Yep.","start":2191.81,"end":2192.31,"sentiment":"neutral","sentiment_score":0.2315203994512558}],"sentiment":"neutral","sentiment_score":0.2315203994512558,"channel":1,"num_words":1,"start":2191.81,"end":2192.31},{"sentences":[{"text":"you've got time, and I can happily break that down for 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trip, and","start":2247.3252,"end":2248.685,"sentiment":"positive","sentiment_score":0.6671618223190308}],"sentiment":"positive","sentiment_score":0.6671618223190308,"channel":0,"num_words":3,"start":2247.3252,"end":2248.685},{"sentences":[{"text":"Thank","start":2248.61,"end":2248.93,"sentiment":"positive","sentiment_score":0.6986710429191589}],"sentiment":"positive","sentiment_score":0.6986710429191589,"channel":1,"num_words":1,"start":2248.61,"end":2248.93},{"sentences":[{"text":"I really","start":2248.685,"end":2249.0852,"sentiment":"positive","sentiment_score":0.8030900061130524}],"sentiment":"positive","sentiment_score":0.8030900061130524,"channel":0,"num_words":2,"start":2248.685,"end":2249.0852},{"sentences":[{"text":"you.","start":2248.93,"end":2249.43,"sentiment":"positive","sentiment_score":0.6927754878997803}],"sentiment":"positive","sentiment_score":0.6927754878997803,"channel":1,"num_words":1,"start":2248.93,"end":2249.43},{"sentences":[{"text":"appreciate you taking my time today.","start":2249.0852,"end":2251.0251,"sentiment":"positive","sentiment_score":0.7769878307978312}],"sentiment":"positive","sentiment_score":0.7769878307978312,"channel":0,"num_words":6,"start":2249.0852,"end":2251.0251},{"sentences":[{"text":"No worries.","start":2251.325,"end":2251.885,"sentiment":"positive","sentiment_score":0.36270374059677124},{"text":"Thanks for the call.","start":2251.885,"end":2252.865,"sentiment":"positive","sentiment_score":0.7160746157169342}],"sentiment":"positive","sentiment_score":0.5982843240102133,"channel":1,"num_words":6,"start":2251.325,"end":2252.865},{"sentences":[{"text":"Anytime, Sean.","start":2253.165,"end":2254.0452,"sentiment":"positive","sentiment_score":0.5022266805171967},{"text":"Have a great afternoon.","start":2254.0452,"end":2255.0852,"sentiment":"positive","sentiment_score":0.6990743577480316},{"text":"Thank you.","start":2255.0852,"end":2255.8252,"sentiment":"positive","sentiment_score":0.6767392754554749}],"sentiment":"positive","sentiment_score":0.6442786678671837,"channel":0,"num_words":8,"start":2253.165,"end":2255.8252},{"sentences":[{"text":"Same to you.","start":2255.4849,"end":2256.285,"sentiment":"positive","sentiment_score":0.5796122252941132},{"text":"Cheers.","start":2256.285,"end":2256.785,"sentiment":"positive","sentiment_score":0.571296215057373}],"sentiment":"positive","sentiment_score":0.5775332227349281,"channel":1,"num_words":4,"start":2255.4849,"end":2256.785},{"sentences":[{"text":"See you","start":2256.7651,"end":2257.0852,"sentiment":"positive","sentiment_score":0.4951569139957428}],"sentiment":"positive","sentiment_score":0.4951569139957428,"channel":0,"num_words":2,"start":2256.7651,"end":2257.0852},{"sentences":[{"text":"Good","start":2257.005,"end":2257.2449,"sentiment":"positive","sentiment_score":0.5038285851478577}],"sentiment":"positive","sentiment_score":0.5038285851478577,"channel":1,"num_words":1,"start":2257.005,"end":2257.2449},{"sentences":[{"text":"later.","start":2257.0852,"end":2257.485,"sentiment":"positive","sentiment_score":0.5069990158081055}],"sentiment":"positive","sentiment_score":0.5069990158081055,"channel":0,"num_words":1,"start":2257.0852,"end":2257.485},{"sentences":[{"text":"one.","start":2257.2449,"end":2257.4849,"sentiment":"neutral","sentiment_score":0.22766819596290588},{"text":"Thanks.","start":2257.4849,"end":2257.805,"sentiment":"positive","sentiment_score":0.4960986077785492}],"sentiment":"positive","sentiment_score":0.36188340187072754,"channel":1,"num_words":2,"start":2257.2449,"end":2257.805},{"sentences":[{"text":"Bye.","start":2257.485,"end":2257.985,"sentiment":"neutral","sentiment_score":0.2782163619995117}],"sentiment":"neutral","sentiment_score":0.2782163619995117,"channel":0,"num_words":1,"start":2257.485,"end":2257.985},{"sentences":[{"text":"Bye.","start":2257.805,"end":2258.305,"sentiment":"neutral","sentiment_score":-0.11073748022317886}],"sentiment":"neutral","sentiment_score":-0.11073748022317886,"channel":1,"num_words":1,"start":2257.805,"end":2258.305}]},"summary":{"result":"success","short":"Representatives from Okie Financial called Sean to discuss his updated advice document and provided recommendations for life and CBD coverage, including the possibility of updating estate planning and travel plans. The agent recommended investments in investment properties and risk profiles, and discussed high-growth portfolios and the importance of retaining the fund. The agent emphasized the benefits of life and total permanent disability insurance and offered advice on managing investments and risk management. The agent also discussed the benefits of insurance policies and advised the customer to review documents and refer referrals for future assistance."},"intents":{"segments":[{"text":"I'm just gonna send you through an email just with the details there. Just generally easy if we sort of go through things and you're able to see what I'm talking about. Yeah.","start_word":73,"end_word":105,"intents":[{"intent":"Provide email","confidence_score":0.029461268}]},{"text":"That's While that's coming through, I just need to let you know moving forward, we do do sorry. We do record our calls for quality and training purposes. Are you happy for me to proceed with that? Yeah.","start_word":106,"end_word":143,"intents":[{"intent":"Proceed with call","confidence_score":0.0007985139}]},{"text":"And then just to do security there with you as well, we are discussing your personal information. So I'll just get you to confirm your full name, your date of birth, and address I should have on file. Sean Michael Mulee.","start_word":148,"end_word":188,"intents":[{"intent":"Confirm personal information","confidence_score":0.2506797}]},{"text":"Thank you so much for that. I've just sent that email through to you there, Sean. Now your email address I have is seanmuley@y7mail.com. Is it still the same?","start_word":203,"end_word":231,"intents":[{"intent":"Confirm email","confidence_score":0.063045904}]},{"text":"Thank you so much for that. I've just sent that email through to you there, Sean. Now your email address I have is seanmuley@y7mail.com. Is it still the same? Yep.","start_word":203,"end_word":232,"intents":[{"intent":"Provide email address","confidence_score":0.034423754},{"intent":"Confirm email address","confidence_score":0.14652143},{"intent":"Update email address","confidence_score":0.0039359136}]},{"text":"Are you gonna travel or do anything fun or just have some downtime at home and No.","start_word":361,"end_word":377,"intents":[{"intent":"Travel","confidence_score":0.46669552}]},{"text":"Do you have a plan on where you're going to or what, you know, what you're gonna see? Or Yeah.","start_word":504,"end_word":523,"intents":[{"intent":"Plan","confidence_score":0.10814482}]},{"text":"We've got a bit of an itinerary. So, yeah, just all the way across and basically up to Cairns, and then we'll make our Fantastic. way back.","start_word":524,"end_word":550,"intents":[{"intent":"Share itinerary","confidence_score":0.015675034}]},{"text":"This advice is dated valid for sixty days after the date on the front of the document there Yep. and has been provided in your best interest. So we obviously did your annual review last year. We wanted to sort of update the advice to reflect changes in your circumstances.","start_word":744,"end_word":793,"intents":[{"intent":"Update advice","confidence_score":0.28811812}]},{"text":"So we obviously did your annual review last year. We wanted to sort of update the advice to reflect changes in your circumstances. You wanted to have a bit of a look at some life and CBD cover and also Yep. look at maybe going into a high growth portfolio to see what that can do for you. So this is the document to outline that nice and easily for you.","start_word":771,"end_word":841,"intents":[{"intent":"Review recommendations","confidence_score":0.51477814}]},{"text":"We're looking at the insurances. So you do have some insurances through your employer, but you wanted to look at some life and TBD just to make sure that you did have something outside of super that was also just important for you to cover what you needed it to. Yep.","start_word":1008,"end_word":1058,"intents":[{"intent":"Discuss life insurance coverage","confidence_score":0.0032440957}]},{"text":"So whenever we are making a recommendation around superannuation or around insurances, we do like to make sure the estate planning is also scoped in to make sure that beneficiaries are updated correctly. Okay? Yep.","start_word":1071,"end_word":1105,"intents":[{"intent":"Update estate planning","confidence_score":0.54258376}]},{"text":"If you scroll down, sorry, to page number seven, this is the about you section. If you just scroll your Yep. eyes over, that's the information that we were able to collect at our last catch up. Not sure if anything major has changed there. If you can just run your eyes over that one for me just to let me know if there are any major changes at all since we last caught up. Yep.","start_word":1108,"end_word":1183,"intents":[{"intent":"Update information","confidence_score":0.29897252},{"intent":"Update information","confidence_score":0.30520833}]},{"text":"The next page outlines your current assets that we did have noted down at the last annual review. If you're running your eyes over that one, would you change any of those values majorly?","start_word":1292,"end_word":1325,"intents":[{"intent":"Update assets","confidence_score":0.13363229}]},{"text":"Just have an investment property now. Yep.","start_word":1361,"end_word":1367,"intents":[{"intent":"Add investment property","confidence_score":0.3452093}]},{"text":"And what sort of value would you put on the property there at the moment?","start_word":1410,"end_word":1424,"intents":[{"intent":"Determine a value","confidence_score":0.00016436505}]},{"text":"And do you remember what the loan might be that you have owing on that one at the moment?","start_word":1445,"end_word":1463,"intents":[{"intent":"Request information about loan amount","confidence_score":0.00035664384}]},{"text":"I'll skip the other couple of pages because they are just a bit more about general information around what a high growth portfolio is. If Yep.","start_word":1854,"end_word":1879,"intents":[{"intent":"Review portfolio and portfolio information","confidence_score":0.000005615559}]},{"text":"I'll skip the other couple of pages because they are just a bit more about general information around what a high growth portfolio is. If Yep. you go down to page number 12, this is where the recommendations really sort of start there for you. So this is Yeah.","start_word":1854,"end_word":1902,"intents":[{"intent":"Discuss portfolio recommendations","confidence_score":0.38941404}]},{"text":"you go down to page number 12, this is where the recommendations really sort of start there for you. So this is Yeah.","start_word":1880,"end_word":1902,"intents":[{"intent":"Recommend investments","confidence_score":0.009861033}]},{"text":"the the investment returns recommended. So Yep.","start_word":1903,"end_word":1909,"intents":[{"intent":"Discuss investment returns","confidence_score":0.143938}]},{"text":"What we are recommending for you is that we do retain Hub 24. Hub 24 is still an appropriate platform for you. Hub 24 and particularly the Choice version there actually gives you back to a lot more different investments as per our such. It has about 1,178 different investment options. That's in Australia and across the globe.","start_word":2139,"end_word":2196,"intents":[{"intent":"Recommend hub 24 use","confidence_score":0.0007778552}]},{"text":"It has about 1,178 different investment options. That's in Australia and across the globe.","start_word":2183,"end_word":2196,"intents":[{"intent":"Discuss investment options","confidence_score":0.36021322}]},{"text":"It ranges every from ETFs managed funds right down to individual shares, which is really cool. And that essentially means that you have access to all these different investment options to be able to have filled and have portfolios that are working for you now, but also being able to alter and change those moving forward.","start_word":2198,"end_word":2253,"intents":[{"intent":"Discuss portfolio options","confidence_score":0.00217746}]},{"text":"So we have opted to retain that for you to make it easier.","start_word":2274,"end_word":2286,"intents":[{"intent":"Retain underlying investment","confidence_score":0.0005973204}]},{"text":"We are looking to, however, change the the portfolio.","start_word":2287,"end_word":2295,"intents":[{"intent":"Move portfolio","confidence_score":0.10713695}]},{"text":"So you'll see on the bottom of that table, we are moving you into what's called the o l o v six high growth portfolio. This portfolio over the past three years has actually averaged a return of that 16.73%.","start_word":2490,"end_word":2529,"intents":[{"intent":"Compare portfolio returns","confidence_score":0.0009073512}]},{"text":"just making sure you're in a portfolio that has had greater potential returns with that, you know, hasn't shown the sort of downturns that Bennelong has had. That way, we're sort of putting you in a position to benefit greatly from that moving forward. Does that make sense? Yeah.","start_word":2599,"end_word":2647,"intents":[{"intent":"Optimize portfolio performance","confidence_score":0.016104748}]},{"text":"I honestly don't think we're gonna end up that far, but look at the compounding effect.","start_word":3043,"end_word":3058,"intents":[{"intent":"Review compounding effect","confidence_score":0.34513927}]},{"text":"I'd say we'll work on it, and we'll keep we'll we'll we'll keep tracking on to see where we're going. Yeah.","start_word":3169,"end_word":3189,"intents":[{"intent":"Monitor progress","confidence_score":0.19389316}]},{"text":"I would love it if we could exceed that figure in all honesty. I think you've Yeah. you worked really hard. You've got a a really good life ahead of you, and you've got a lot of time before retirement. But when you get there, the fact that you will have worked for so many years, you deserve every bit of retirement you could get. Yeah.","start_word":3191,"end_word":3256,"intents":[{"intent":"Evaluate retirement savings","confidence_score":0.0002067462}]},{"text":"So that's essentially the super recommendation, just retaining the fund, doing a bit of a switch there. It's Yeah.","start_word":3262,"end_word":3280,"intents":[{"intent":"Retain fund","confidence_score":0.19263451}]},{"text":"And in in the down times moving forward, if you've got a bit of extra money, call me, and we can look at what to do to maximize those downtime. Okay?","start_word":3378,"end_word":3408,"intents":[{"intent":"Optimize downtime","confidence_score":0.33419922}]},{"text":"For paying, you have 24 is in your best interest as the fund itself is has not had any major changes that are gonna negatively impact you. And by being able to retain the fund and complete the switch within the fund, we actually are able to reduce the CJT liability from what it would have been if we had have moved to a different fund. Okay?","start_word":3410,"end_word":3476,"intents":[{"intent":"Reduce cjt liability","confidence_score":0.48654282}]},{"text":"If you scroll down for me to page number 16, this will sort of show you what we're talking about with regards to the investments there as well.","start_word":3481,"end_word":3508,"intents":[{"intent":"Discuss investments","confidence_score":0.054826904}]},{"text":"Some beta shares cybersecurity because cybersecurity is still a great area to have with all the technology and all the changes that we're going through with everything being online. It's still a really important area to focus on.","start_word":3600,"end_word":3637,"intents":[{"intent":"Focus on cybersecurity","confidence_score":0.10965464}]},{"text":"And then we'll also be, sorry, moving money out of the core composite bonds there, putting some more into the S and P 500 to giving you some more exposure into the American market.","start_word":3638,"end_word":3671,"intents":[{"intent":"Move money into projects","confidence_score":0.000030959967}]},{"text":"got removing the VanEck Australian properties, so taking that Yep. one completely out. We're putting some into the Aussie 200 there. It's giving you exposure into the top 200 companies on the ASX.","start_word":3676,"end_word":3708,"intents":[{"intent":"Remove vaneck asian properties from assx","confidence_score":0.0001523121}]},{"text":"However, putting you into an investment that a a is a little bit cheaper in management fees, but also has shown greater past performance for you. Okay?","start_word":3783,"end_word":3809,"intents":[{"intent":"Discuss investment options","confidence_score":0.03625768}]},{"text":"However, putting you into an investment that a a is a little bit cheaper in management fees, but also has shown greater past performance for you. Okay? Cool.","start_word":3783,"end_word":3810,"intents":[{"intent":"Provide information on investment options","confidence_score":0.00020328826},{"intent":"Explain investment process","confidence_score":0.009564796},{"intent":"Explain investment benefits","confidence_score":0.033525664}]},{"text":"I can always look into what they actually are, but, yeah, Slowly it's not more than happy to send you anything else that you need after you've had a read through there, Sean. Easy.","start_word":3960,"end_word":3993,"intents":[{"intent":"Provide assistance with portfolio allocation","confidence_score":0.000027946704}]},{"text":"Within your existing portfolio, sorry, you're about 71.63% in growth investments and 19.15% in defensive and then 9.22% in alternatives. So we're gonna Yeah. increase those growth assets to have 84.48, 8.6 in defensive, and keeping that gold exposure at about 6.92 to 7% there for you. Okay? Yep.","start_word":4122,"end_word":4170,"intents":[{"intent":"Boost portfolio flexibility","confidence_score":0.000019446552}]},{"text":"I have made a recommendation that we do apply for life and CBD through Neos for the sum insured of 384,605. Essentially, Yep.","start_word":4472,"end_word":4494,"intents":[{"intent":"Apply for life and cbd","confidence_score":0.22937438},{"intent":"Explore benefits of cbd","confidence_score":0.000022957116}]},{"text":"your super benefit on top of that can help pay off the rest of the mortgage and then provide some additional living expenses or income replacement there. Does that kind of ring about? Does that make sense, and Yeah. is that still Yep. appropriate? Yeah.","start_word":4596,"end_word":4640,"intents":[{"intent":"Assess suitability of additional living expenses","confidence_score":0.00028360955}]},{"text":"The only sort of thing I do wanna check, though, because you now do have that investment property there with having the extra mortgage, in the event of passing away, do you feel like that amount we are looking to apply for is still gonna be appropriate?","start_word":4658,"end_word":4704,"intents":[{"intent":"Determine potential investment amount","confidence_score":0.0000150952965}]},{"text":"What do you sort of feel about the changes to your circumstances?","start_word":4737,"end_word":4748,"intents":[{"intent":"Assess suitability for changes to circumstances","confidence_score":0.00068039814}]},{"text":"So, again, with the TBD, it is the same amount as the life. We did gross up the life to match the TBD because we were looking at 300,000 then incorporating the 22% tax. And the reason we have done that is because it actually makes the policy cheaper.","start_word":4799,"end_word":4847,"intents":[{"intent":"Assess policy cost","confidence_score":0.027033554}]},{"text":"And we do estimate for the first year's premium to be $451.34.","start_word":5071,"end_word":5082,"intents":[{"intent":"Explain cost savings","confidence_score":0.000046446414}]},{"text":"So it is meeting your goal of making sure that in the event of a TBD claim, after the 22% tax, you can receive the $300,000. It's giving you the life cover, and it means that anything you receive on top of that in the event of a TBD claim, if you, you know, claim on this, then you get your super release, and then your employer paid policy pays out a more as well.","start_word":5165,"end_word":5239,"intents":[{"intent":"Provide life insurance","confidence_score":0.099430084}]},{"text":"Okay. Yeah.","start_word":5259,"end_word":5260,"intents":[{"intent":"Clarify insurance coverage","confidence_score":0.005064708}]},{"text":"Sounds Yep. good. Perfect.","start_word":5262,"end_word":5265,"intents":[{"intent":"Confirm understanding","confidence_score":0.029761624}]},{"text":"We haven't looked at any income protection or any trauma, but down the track, if you would like to come and talk about those, I'm more than happy to help you out with that. I know your income protection with your employer paid policy is all still there as well. But if you Yep.","start_word":5266,"end_word":5319,"intents":[{"intent":"Discuss income protection","confidence_score":0.17943566}]},{"text":"I'm more than happy to update or make new recommendations. That's what we're here for. Okay?","start_word":5332,"end_word":5347,"intents":[{"intent":"Update policy","confidence_score":0.077044085}]},{"text":"Essentially, if you have an employer paid policy that covers you for over 70%, then you can't claim on a secondary policy.","start_word":5431,"end_word":5452,"intents":[{"intent":"Discuss secondary policy coverage","confidence_score":0.14420085}]},{"text":"But if you wanted to look at that, absolutely come and have a chat to me, and we can talk it through. Alright.","start_word":5515,"end_word":5537,"intents":[{"intent":"Talk through policy options","confidence_score":0.0031693028}]},{"text":"able to get the information there, Sean, you wanna send it through to me, I can absolutely run it through, have a real good look at it, and break down the details for you just to give you some information. Yeah.","start_word":5604,"end_word":5644,"intents":[{"intent":"Send policy information","confidence_score":0.0035065315}]},{"text":"I can send you back the information so you understand a bit more about what you what the policy is, what you have. Easy done.","start_word":5722,"end_word":5746,"intents":[{"intent":"Understand policies","confidence_score":0.00053199835}]},{"text":"So we do wanna obviously review this with you on a yearly basis, make sure that as you get older, the risk of you making a claim, the insurance premiums actually get more expensive. So we wanna make sure that these premiums don't get exuberantly expensive, but that the level of cover still matches what you're actually after. Yeah.","start_word":5836,"end_word":5894,"intents":[{"intent":"Review insurance premiums","confidence_score":0.018125238}]},{"text":"It's just about making sure you've disclosed everything. There's nothing in our records that is really a red flag there at all. But if there is anything that comes out on the application, the risks are that they could be loading to exclusions down the track before Yep. putting the policy in force. We'll come back and have a chat if there is any revised terms provided. Okay?","start_word":5948,"end_word":6015,"intents":[{"intent":"Provide details","confidence_score":0.0014002896}]},{"text":"We'll come back and have a chat if there is any revised terms provided. Okay?","start_word":6001,"end_word":6015,"intents":[{"intent":"Recommend policy terms","confidence_score":0.005267234}]},{"text":"The last part of the recommendations is the estate planning side of things. So because we are looking at life insurance through Neos and I had a look at your super fund, you don't have a beneficiary nomination applied as of yet. So I am making the recommendation.","start_word":6084,"end_word":6131,"intents":[{"intent":"Explain estate planning","confidence_score":0.27605534}]},{"text":"I was just I'm making the recommendation that we apply a binding non lapsing beneficiary nomination to both your life insurance and your hub twenty four super account nominating Jessica. So in the Yeah.","start_word":6150,"end_word":6183,"intents":[{"intent":"Explain beneficiary nomination","confidence_score":0.118165344}]},{"text":"as the the nomination is valid and we'll help you to make sure it is valid, then in the event of something happening, Jessica just needs to contact us, and we will help her with the claim.","start_word":6227,"end_word":6263,"intents":[{"intent":"Request confirmation of nomination","confidence_score":0.0010676763},{"intent":"Help with claim","confidence_score":0.0039059867}]},{"text":"We need to make a claim. And, you know, with your life insurance and things like that, we will help her with the claim process to be nice and easy. Okay?","start_word":6331,"end_word":6361,"intents":[{"intent":"Make a claim","confidence_score":0.20089662}]},{"text":"We'll then book you in to go through the insurance application with you. One of our beautiful admin team will go through those questions nice and easy. We then send that off to the underwriters. They'll assess the application so long as there's nothing that causes a red flag. So I've seen applications go in very, very quickly. I've also seen them take a couple of weeks, so, hopefully, not as easy one for you. Yeah.","start_word":6681,"end_word":6756,"intents":[{"intent":"Educate about insurance","confidence_score":0.016707055}]},{"text":"We're here to support you, provide advice, but also here to give you information and help you to decipher things if you need them as well. So feel Yeah.","start_word":7358,"end_word":7386,"intents":[{"intent":"Request assistance and assistance","confidence_score":0.0000070899514}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Sean. This is Dana from Okie Financial. How are you this afternoon? Yeah.","start_word":0,"end_word":14,"sentiment":"neutral","sentiment_score":0.1550285667181015},{"text":"I'm good. Thanks. How are you? I'm very well. Thank you. Thank you for asking.","start_word":15,"end_word":29,"sentiment":"positive","sentiment_score":0.5564320087432861},{"text":"I had you booked in to go through your updated advice document. Is now a good time there for you? Yes. Sounds Yes. good. Yep.","start_word":30,"end_word":54,"sentiment":"neutral","sentiment_score":0.26291051506996155},{"text":"Fantastic.","start_word":55,"end_word":55,"sentiment":"positive","sentiment_score":0.538083553314209},{"text":"Do you happen to have access to your emails there this afternoon as well? Yes. Yep.","start_word":56,"end_word":71,"sentiment":"neutral","sentiment_score":0.1581546813249588},{"text":"Beautiful.","start_word":72,"end_word":72,"sentiment":"positive","sentiment_score":0.4410518407821655},{"text":"I'm just gonna send you through an email just with the details there. Just generally easy if we sort of go through things and you're able to see what I'm talking about. Yeah. That's While that's coming through, I just need to let you know moving forward, we do do sorry. We do record our calls for quality and training purposes. Are you happy for me to proceed with that? Yeah. No worries. Yep. Beautiful. And then just to do security there with you as well, we are discussing your personal information. So I'll just get you to confirm your full name, your date of birth, and address I should have on file. Sean Michael Mulee. Thirtieth of Yep. the sixth Eighty three. Forty nine Biltmore Street Land Sale. Beautiful.","start_word":73,"end_word":202,"sentiment":"neutral","sentiment_score":0.10155818611383438},{"text":"Thank you so much for that.","start_word":203,"end_word":208,"sentiment":"positive","sentiment_score":0.4077543020248413},{"text":"I've just sent that email through to you there, Sean. Now your email address I have is seanmuley@y7mail.com. Is it still the same? Yep. Perfect. So sorry. No worries. Hopefully, it should come through fairly quickly there for you. If it doesn't, that is absolutely okay. Did It's you all good. I'm have just some gonna load it up on my iPad, so it just needs that's to wake okay. up a bit. That's alright. Did you happen to get some time off over Christmas, have a bit of a break? Not much of a break, to be honest. I work away, so I didn't have any extra time off, but I'm about to go on. I've got one more swing, and then I'm on long service leave. So I'll have just shy of four months off, so Yeah.","start_word":209,"end_word":347,"sentiment":"neutral","sentiment_score":0.07174256443977356},{"text":"Fantastic.","start_word":348,"end_word":348,"sentiment":"positive","sentiment_score":0.4821758270263672},{"text":"I can't complain. Yeah. Yeah. No.","start_word":349,"end_word":354,"sentiment":"neutral","sentiment_score":0.2079315036535263},{"text":"Fantastic. That sounds that sounds great.","start_word":355,"end_word":360,"sentiment":"positive","sentiment_score":0.6753133535385132},{"text":"Are you gonna travel or do anything fun or just have some downtime at home and No. Traveling for sure. Yeah. We've traveling? got Yeah. yeah. Yeah. Got a caravan. So, yeah, Perfect. we are making our way across. So Yes.","start_word":361,"end_word":401,"sentiment":"neutral","sentiment_score":0.1035359725356102},{"text":"Fantastic.","start_word":402,"end_word":402,"sentiment":"positive","sentiment_score":0.5747974514961243},{"text":"And then straight back to work after the four months off, you're just taking the the long service leave for a bit of yeah. Yep. yep. Yeah. Of course. It'll be, yeah, back to back Back to reality to reality. after that. But after, yeah, four months, I think, yeah, won't be a bad That thing. So sounds I mean, it could be really good. It could be really difficult at the same time. yeah. That's it. We're not sure yet. So we'll Yeah. just play it by ear and yeah. Absolutely.","start_word":403,"end_word":494,"sentiment":"neutral","sentiment_score":0.021952280774712563},{"text":"Well, I hope you have an amazing time traveling.","start_word":495,"end_word":503,"sentiment":"positive","sentiment_score":0.38783079385757446},{"text":"Do you have a plan on where you're going to or what, you know, what you're gonna see? Or Yeah. We've got a bit of an itinerary. So, yeah, just all the way across and basically up to Cairns, and then we'll make our Fantastic. way back. So, yeah, it's pretty full on. So, yeah, it's a big trip. Yeah. And So yeah. A lot of driving, but, yeah. no, that'd be amazing, all the things you can stop and see along the way. I'm all about traveling.","start_word":504,"end_word":591,"sentiment":"neutral","sentiment_score":0.12347777932882308},{"text":"I love it. I think it's great to go out there, see things, see experiences, make it well worth it.","start_word":592,"end_word":611,"sentiment":"positive","sentiment_score":0.5357518196105957},{"text":"Yeah. That's it. Definitely. Yeah. So I'll never get Perfect. this time off much time off again. So Alright. yeah. Absolutely. Definitely. Has that email popped through there at all? Yeah. Yeah. I've just got that now. So yep. Perfect. Hold on. All good. So on the first page of the document there, when it opens sorry. My Yep. throat's a little bit sore this afternoon. If I do take a break, I do apologize.","start_word":612,"end_word":686,"sentiment":"neutral","sentiment_score":-0.017303546890616417},{"text":"That's all All good. Sean, this has been prepared good.","start_word":687,"end_word":696,"sentiment":"positive","sentiment_score":0.4603973627090454},{"text":"by yourself. It does say statement of advice under Oku Financial has been prepared Yep. by myself, Dana Taylor. I'm an authorized representative under Oku Financial. Our Australian financial services license number is 513068, and the registration number with ASIC for myself and my registration is 1304394. This advice is dated valid for sixty days after the date on the front of the document there Yep. and has been provided in your best interest. So we obviously did your annual review last year. We wanted to sort of update the advice to reflect changes in your circumstances. You wanted to have a bit of a look at some life and CBD cover and also Yep. look at maybe going into a high growth portfolio to see what that can do for you.","start_word":697,"end_word":828,"sentiment":"neutral","sentiment_score":0.13546063005924225},{"text":"So this is the document to outline that nice and easily for you.","start_word":829,"end_word":841,"sentiment":"positive","sentiment_score":0.3462069630622864},{"text":"Yep. I'll Cool. run through the recommendations touching on the points that I need to, and then I'll let you go back to have a read through at all. It's a lot to take in when I'm talking. That's why we'd like to have you look at it at the same time. Because if I'm just telling you all the bits and pieces, sometimes it feels like I'm talking at you. So I don't want Yeah. that. Make it nice and easy so you can take it all in, have a read through, and then let me know whether you're happy to take those recommendations on. Okay?","start_word":842,"end_word":948,"sentiment":"neutral","sentiment_score":0.07817026227712631},{"text":"Cool. Sounds good. Perfect.","start_word":949,"end_word":952,"sentiment":"positive","sentiment_score":0.5025798082351685},{"text":"Down now on page number three, you'll notice we have the scoping of the advice. So the areas of this Yep. advice document that we have scoped in to make recommendations on our superannuation. So we're working towards your long term retirement goal of being able to retire around about the age of 60. Yep. We're looking at the insurances. So you do have some insurances through your employer, but you wanted to look at some life and TBD just to make sure that you did have something outside of super that was also just important for you to cover what you needed it to. Yep. And then we've also got your estate planning there as well. So whenever we are making a recommendation around superannuation or around insurances, we do like to make sure the estate planning is also scoped in to make sure that beneficiaries are updated correctly. Okay? Yep.","start_word":953,"end_word":1104,"sentiment":"neutral","sentiment_score":0.09672252667185507},{"text":"Cool.","start_word":1105,"end_word":1105,"sentiment":"positive","sentiment_score":0.3884803056716919},{"text":"Yep.","start_word":1106,"end_word":1106,"sentiment":"neutral","sentiment_score":0.3238912522792816},{"text":"Perfect.","start_word":1107,"end_word":1107,"sentiment":"positive","sentiment_score":0.5564975142478943},{"text":"If you scroll down, sorry, to page number seven, this is the about you section. If you just scroll your Yep. eyes over, that's the information that we were able to collect at our last catch up. Not sure if anything major has changed there. If you can just run your eyes over that one for me just to let me know if there are any major changes at all since we last caught up. Yep. No. That's pretty all good. My date of birth, just a day out. It's thirty for the June Oh, I'm '3, but that that sorry. doesn't Sorry. mean No. that's That's alright. okay. I will Sure. it doesn't affect the advice at all, but I don't wanna have that wrong. Did you want me to go back and update that before you sign this? I do not mind at all. No. It doesn't bother me. I That's don't think okay. it matters. It's just a just a number I just noticed. Hang on. Oh, sorry about that. My apologies. No. That's all good. No. No worries. All good. The next page outlines your current assets that we did have noted down at the last annual review. If you're running your eyes over that one, would you change any of those values majorly? I know your mortgage, hopefully, has decreased a bit since we last caught up there, but is are there any major changes that you would like changed in the back end for any of these? Just have an investment property now. Yep. So, yes, probably just wanna That's add that one in, I guess. yep. Absolutely. So an investment property now. Not a problem Yep. at all. And when did you purchase that one? I think it was August. August? Beautiful. Yep.","start_word":1108,"end_word":1407,"sentiment":"neutral","sentiment_score":0.008467420935630798},{"text":"Lovely. Excellent.","start_word":1408,"end_word":1409,"sentiment":"positive","sentiment_score":0.3736428022384643},{"text":"And what sort of value would you put on the property there at the moment? I bought it for $8.64, I think it was. Yep. Yep. So, yeah, probably Perfect. around that. I'll see.","start_word":1410,"end_word":1443,"sentiment":"neutral","sentiment_score":0.085946765016107},{"text":"Beautiful.","start_word":1444,"end_word":1444,"sentiment":"positive","sentiment_score":0.653548002243042},{"text":"And do you remember what the loan might be that you have owing on that one at the moment? I it's around $9.20, I believe, Yep.","start_word":1445,"end_word":1470,"sentiment":"neutral","sentiment_score":0.03654664382338524},{"text":"Perfect.","start_word":1471,"end_word":1471,"sentiment":"positive","sentiment_score":0.4449260532855987},{"text":"because it was somewhere around Yep. that. That's okay. And did you Yeah. happen to use equity from your main primary residence to purchase the property? Like, has your PPR loan Yes. increased at all from that one at all? My loan has freeze, Mhmm. but, yeah, just the just use the equity basically on the property. So I've actually got yeah. I've got two loans on this investment probably. It's the way they had to work it. So Yep. Yep. Yep. And then you've got your main primary residence loan there as well as yeah. a separate one? Yep. Okay. Perfect. Yeah. Yep. Yep. Yeah. Perfect. No. I understand that. Easy. You got your what your main primary residence, the equity loan, and then the investment loan all sort of separated into three. Yeah. Yep. I mean, that's what it is. That's it. Yeah. I understand Yeah. how that works. That's not a problem at all. I can update that stuff in the back end for you. It Cool. doesn't at the moment, as we go through and look at the insurance recommendations, I will just double check if they are appropriate for you based on our last conversation and these changes there. But Yep. if there are any changes to these recommendations based on the fact that you've got the impact investment property there, you just let me know, and I'm more than happy to go back and complete any updates that we need to. Okay? Yep. No worries. Perfect. So scrolling down to the next page there, you will note we do have the superannuation side of things. So you'll have Yep. 24 super is what you've got there at the moment, showing the updated balance as of the date we completed the document. This document has been dated as of the February 16. Yep. No insurance is currently held there. And scrolling down is your risk profile. So we obviously did your risk profile questionnaire.","start_word":1472,"end_word":1800,"sentiment":"neutral","sentiment_score":0.08691657758048965},{"text":"I had a really good chat about where things are to.","start_word":1801,"end_word":1811,"sentiment":"positive","sentiment_score":0.3639868497848511},{"text":"Yep. You wanted to look at maybe being a bit more of a high growth investor. So that is the profile Yep. that we are looking at now when we are looking at the investments for you. Okay?","start_word":1812,"end_word":1849,"sentiment":"neutral","sentiment_score":0.13023556768894196},{"text":"Cool. Sounds good. Beautiful.","start_word":1850,"end_word":1853,"sentiment":"positive","sentiment_score":0.6668605208396912},{"text":"I'll skip the other couple of pages because they are just a bit more about general information around what a high growth portfolio is. If Yep. you go down to page number 12, this is where the recommendations really sort of start there for you. So this is Yeah. the the investment returns recommended. So Yep. the first column there basically shows you your current circumstances. So you have your hub twenty four super at the moment. You've got your current balance there, and then you've got your administration fees, investment fees, and other fees applicable to the fund there and the ongoing service fee for us as your advisers for helping you work towards your goals of the best retirement you can have, and then your Yep. contributions going in. This is net contributions there as well, and no insurance premiums. Yep. Okay. At the moment, you are in a growth portfolio, and we've had Yeah. to use the three year rolling average for this one because the profile we're putting you into only provided us with a three year rolling average. But the growth profile that you or portfolio that you have been in has had a a three year rolling average averaging about 14.24% on a yearly basis. Okay? Yep. If we were to keep you in the exact same position with the same profile or portfolio, sorry, over the next five years, if it works the same way that it has over the last three years, then you can end up with a projected amount of 953,646. However, we do know investment markets go up and down, and you don't always get that exact return every year. Yeah. No. That's it. What we are recommending for you is that we do retain Hub 24. Hub 24 is still an appropriate platform for you. Hub 24 and particularly the Choice version there actually gives you back to a lot more different investments as per our such. It has about 1,178 different investment options. That's in Australia and across the globe.","start_word":1854,"end_word":2196,"sentiment":"neutral","sentiment_score":0.08067228645086288},{"text":"It ranges every from ETFs managed funds right down to individual shares, which is really cool. And that essentially means that you have access to all these different investment options to be able to have filled and have portfolios that are working for you now, but also being able to alter and change those moving forward.","start_word":2197,"end_word":2252,"sentiment":"positive","sentiment_score":0.5258087515830994},{"text":"So there's been no major Two. changes to have 24.","start_word":2253,"end_word":2262,"sentiment":"neutral","sentiment_score":0.15311728417873385},{"text":"It's still an appropriate platform and still in your best interest.","start_word":2263,"end_word":2273,"sentiment":"positive","sentiment_score":0.5812764167785645},{"text":"So we have opted to retain that for you to make it easier. We are looking to, however, change the the portfolio. So one of the reasons it took a little bit longer to do the advice for you, and I do apologize for the delay, Cool. but as Sir? of sort of late last year, around about November, December, one of your underlying investments in the the Benelung Australian Equities took a bit of a pretty heavy hit.","start_word":2274,"end_word":2352,"sentiment":"neutral","sentiment_score":-0.10278747975826263},{"text":"One of their underlying investments, Corporate Traveler, had come up. They've been a bit dishonest to the market.","start_word":2353,"end_word":2370,"sentiment":"negative","sentiment_score":-0.472956895828247},{"text":"That was released, and it meant that Benelung had to reevaluate that portion of their investments, which meant that everyone went back and reevaluated Benelon as an investment as well. So we certainly did the same thing, and we've decided to move you out of that. So we're not only moving you into the high growth portfolio as per our conversation to allow you to take on a bit more risk in the market to get those greater potential returns. But we're also switching some of the underlying investments to make sure you're invested in a portfolio that has shown greater potential returns and removing underperforming investment option as well. Does that make sense? Yep.","start_word":2371,"end_word":2485,"sentiment":"neutral","sentiment_score":-0.08704046159982681},{"text":"Sounds good.","start_word":2486,"end_word":2487,"sentiment":"positive","sentiment_score":0.3511144518852234},{"text":"Yep.","start_word":2488,"end_word":2488,"sentiment":"neutral","sentiment_score":0.2605384886264801},{"text":"Perfect.","start_word":2489,"end_word":2489,"sentiment":"positive","sentiment_score":0.4346124529838562},{"text":"So you'll see on the bottom of that table, we are moving you into what's called the o l o v six high growth portfolio. This portfolio over the past three years has actually averaged a return of that 16.73%. As I did mention before, we don't expect you to get that every year. We do mark do know markets do react differently on ongoing years, and some years you might get 16 to 20% returns. Other years you might get a 10 or 15% return.","start_word":2490,"end_word":2575,"sentiment":"neutral","sentiment_score":0.0889192596077919},{"text":"And in a high growth portfolio, we do expect a negative return sort of one in every five years.","start_word":2576,"end_word":2594,"sentiment":"negative","sentiment_score":-0.36383986473083496},{"text":"So it's about Yeah. just making sure you're in a portfolio that has had greater potential returns with that, you know, hasn't shown the sort of downturns that Bennelong has had. That way, we're sort of putting you in a position to benefit greatly from that moving forward. Does that make sense? Yeah.","start_word":2595,"end_word":2647,"sentiment":"neutral","sentiment_score":0.023642584681510925},{"text":"Sounds good.","start_word":2648,"end_word":2649,"sentiment":"positive","sentiment_score":0.38528507947921753},{"text":"Yep.","start_word":2650,"end_word":2650,"sentiment":"neutral","sentiment_score":0.2893308997154236},{"text":"Perfect.","start_word":2651,"end_word":2651,"sentiment":"positive","sentiment_score":0.4680862724781037},{"text":"By making the investment switch that well, I'll I'll go through and show you what that looks like. But by making the investment switch there, we do estimate the CGT consequences. You'll see in the very top there in the difference column, the 3,250. You'll see Yes. on the underneath the table, we have a bit of a disclaimer, but that's essentially showing you the expected CGT consequences as well as any buy sell costs that will be incurred by the funds by making this switch. Essentially, Yep. it's a small amount to make the switch. We're retaining the funds, so it kind of limits the amount of CGT consequences possible. However, there is always gonna be some sort of tax consequences when we are switching investments there. So we've tried to limit them as much as possible, but once they make the switch to better performing high growth environment, your funds can work harder and make that money back nice and quick. Okay?","start_word":2652,"end_word":2815,"sentiment":"neutral","sentiment_score":0.052189115434885025},{"text":"Cool. Sounds good. Perfect.","start_word":2816,"end_word":2819,"sentiment":"positive","sentiment_score":0.39631468057632446},{"text":"By making the switch as well, you'll also notice there the administration fees are reduced slightly as well for the first year. It's about a $3 difference. Not a huge difference, but every little bit helps these days. Saving some fees can make a a big difference when you're compounding that forward. But it Yep. also changes the investment fees as well.","start_word":2820,"end_word":2881,"sentiment":"neutral","sentiment_score":0.207059845328331},{"text":"So we save about $53 on investment fees. So it's nice and cheap there.","start_word":2882,"end_word":2895,"sentiment":"positive","sentiment_score":0.4268771708011627},{"text":"Other fees within the fund are a little bit higher with some of the investment options that we have chosen. However, with when we sort of weighed up the options, getting a better better performing portfolio is, you know, weighing up the options outweigh the cost of the change. So Yep. yeah. No Perfect. worries. You'll also see that the insurance premiums so at the moment, you don't have any insurance premiums paid out of super, but because we have decided to look at the life and TPD component there for you, the insurance premiums, the cost of the first year is $384 deducted Yep. from your super fund for those insurances. Okay?","start_word":2896,"end_word":3008,"sentiment":"neutral","sentiment_score":0.06288467083884551},{"text":"Perfect.","start_word":3009,"end_word":3009,"sentiment":"positive","sentiment_score":0.4565052986145019},{"text":"No worries. If the fund did perform the way it has over the past three years over the next sort of five years, you could end up with about a million and 56,000. I honestly don't think we're gonna end up that far, but look at the compounding effect. And with the balance you have at the moment, you could get awfully close to that. So if you sort of think of your balance at 500 or thousand, someone with a $50,000 balance getting a 5% return, it's gonna be much smaller. Whereas your balance Yeah. getting a 5% return is gonna have a greater compounding effect. So, I normally Yep. am a bit cautious about giving people these kinds of projection figures, but because your balance is so high to begin with, smaller changes make a big difference. You actually could end up very close to this figure in the next five years. Okay?","start_word":3010,"end_word":3164,"sentiment":"neutral","sentiment_score":0.05584478750824928},{"text":"That'd be great.","start_word":3165,"end_word":3167,"sentiment":"positive","sentiment_score":0.47367608547210693},{"text":"Yeah. I'd say we'll work on it, and we'll keep we'll we'll we'll keep tracking on to see where we're going. Yeah. Sure.","start_word":3168,"end_word":3190,"sentiment":"neutral","sentiment_score":0.18206582963466644},{"text":"I would love it if we could exceed that figure in all honesty.","start_word":3191,"end_word":3203,"sentiment":"positive","sentiment_score":0.3704169690608978},{"text":"I think you've Yeah. you worked really hard.","start_word":3204,"end_word":3211,"sentiment":"neutral","sentiment_score":0.21759158372879028},{"text":"You've got a a really good life ahead of you, and you've got a lot of time before retirement.","start_word":3212,"end_word":3230,"sentiment":"positive","sentiment_score":0.3477068841457367},{"text":"But when you get there, the fact that you will have worked for so many years, you deserve every bit of retirement you could get. Yeah. That's it. For sure. Perfect. So that's essentially the super recommendation, just retaining the fund, doing a bit of a switch there. It's Yeah. really important, as we mentioned before, that any recommendations we make are in your best interest. And we do have in through the document, a bit of a best interest duty statement, which outlines the best interest around that. So moving Yes. into high growth portfolio was something we discussed. It aligns along with your goals and objectives. You're still young. You wanted to take a bit more risk in the market for greater potential returns, and giving you the high growth portfolio allows for that. We're aware that markets do fluctuate. They go up and down. And in in the down times moving forward, if you've got a bit of extra money, call me, and we can look at what to do to maximize those downtime. Okay? Yeah. For paying, you have 24 is in your best interest as the fund itself is has not had any major changes that are gonna negatively impact you. And by being able to retain the fund and complete the switch within the fund, we actually are able to reduce the CJT liability from what it would have been if we had have moved to a different fund. Okay?","start_word":3231,"end_word":3476,"sentiment":"neutral","sentiment_score":0.16055114930722772},{"text":"Oh, sounds good. Perfect.","start_word":3477,"end_word":3480,"sentiment":"positive","sentiment_score":0.4766449332237244},{"text":"If you scroll down for me to page number 16, this will sort of show you what we're talking about with regards to the investments there as well. Yep. Perfect. So this is essentially showing you what we will and won't have within the portfolio. So just going from the top then, we'll essentially be moving all the battery and lithium tech out and all the Benelon Australian equities because that Benelon has been underperforming. We'll Yep. be putting you putting some more money into the bank hybrids there, a bit more of a defensive investment. Some physical gold, which has done really, really well and continues Yeah. to perform nicely, so topping up that a bit for you. Some beta shares cybersecurity because cybersecurity is still a great area to have with all the technology and all the changes that we're going through with everything being online. It's still a really important area to focus on. And then we'll also be, sorry, moving money out of the core composite bonds there, putting some more into the S and P 500 to giving you some more exposure into the American market. And then we've Yep. got removing the VanEck Australian properties, so taking that Yep. one completely out. We're putting some into the Aussie 200 there. It's giving you exposure into the top 200 companies on the ASX. Some Australian exposure as well as US exposure is still really important to have. Yep. We'll put some into the India beta shares quality ETF, and then we'll also Yep. have some global health care there for you as well. And to Yep. replace the Benelung Australian Equities, we're putting into our Finity Australian Share Fund. So it's still keeping the same level of Australian FDs exposure that you would have had within Venalong. However, putting you into an investment that a a is a little bit cheaper in management fees, but also has shown greater past performance for you. Okay?","start_word":3481,"end_word":3809,"sentiment":"neutral","sentiment_score":0.13232783110399016},{"text":"Cool. Perfect.","start_word":3810,"end_word":3811,"sentiment":"positive","sentiment_score":0.6101152300834656},{"text":"And the last one at the bottom there is the JPMorgan Global Research Enhanced Equity Fund. This is just giving you access to, again, this global research. JPMorgan utilize their research team looking at their areas of growth and making sure it's global.","start_word":3812,"end_word":3854,"sentiment":"neutral","sentiment_score":0.2813278138637543},{"text":"So diversification is a great area, and this fund has done quite well as well. So keeping that in there for you.","start_word":3855,"end_word":3876,"sentiment":"positive","sentiment_score":0.5774275064468384},{"text":"Does that all makes sense. Do you have any questions about Yep. any of those? I do keep it fairly brief, but if you want me to go, like, a lot deeper, I'm more than happy to. No. No. It's all good. I have to trust me. Trust That's me. okay.","start_word":3877,"end_word":3927,"sentiment":"neutral","sentiment_score":0.1541365087032318},{"text":"Love it.","start_word":3928,"end_word":3929,"sentiment":"positive","sentiment_score":0.46268782019615173},{"text":"Yeah. That's okay. I just wanna go a bit brief because not everyone's that interested. And I was like, oh, if you need more, you let me know. Yeah. No. I can always look into what they actually are, but, yeah, Slowly it's not more than happy to send you anything else that you need after you've had a read through there, Sean. Easy. no. Sounds good. It's all Yeah. good.","start_word":3930,"end_word":4000,"sentiment":"neutral","sentiment_score":0.03373685106635094},{"text":"Perfect.","start_word":4001,"end_word":4001,"sentiment":"positive","sentiment_score":0.33546358346939087},{"text":"If you scroll down to the next page, you'll see asset allocation changes. So in a high growth environment, you generally see about 90% in growth investments, things like the Australian equities, international equities, Australian and international property. Alternatives like gold and silver and other precious metals are also considered growth assets as well. Yeah. And then you would normally see about 10% in defensive investments. So we're putting more money into those growth investments growth for greater potential growth there, less into the in defensive investments, which tend to be lower performing just to try and get as much growth as we possibly can while we're young while we have the time ahead of us to do so.","start_word":4002,"end_word":4120,"sentiment":"neutral","sentiment_score":0.09433531379248916},{"text":"Cool.","start_word":4121,"end_word":4121,"sentiment":"positive","sentiment_score":0.4246766269207001},{"text":"Within your existing portfolio, sorry, you're about 71.63% in growth investments and 19.15% in defensive and then 9.22% in alternatives. So we're gonna Yeah. increase those growth assets to have 84.48, 8.6 in defensive, and keeping that gold exposure at about 6.92 to 7% there for you. Okay? Yep. No worries. Yep.","start_word":4122,"end_word":4173,"sentiment":"neutral","sentiment_score":0.2230239361524582},{"text":"Perfect.","start_word":4174,"end_word":4174,"sentiment":"positive","sentiment_score":0.5823206901550293},{"text":"So it's just increasing those that growth exposure, reducing the amount of defensive investments you have, keeping some alternatives in there to give you a bit of growth, but also defensive.","start_word":4175,"end_word":4205,"sentiment":"neutral","sentiment_score":0.3279772698879242},{"text":"One of the good things in why we keep gold in our portfolios is that it does work both ways.","start_word":4206,"end_word":4225,"sentiment":"positive","sentiment_score":0.4459944665431976},{"text":"Having gold, Yeah.","start_word":4226,"end_word":4228,"sentiment":"neutral","sentiment_score":0.307049036026001},{"text":"everyone loves it. I know I love a bit of gold. And then, you know, everyone still has it. It has performed really, really well over the past couple of years, and then it becomes defensive at times when it needs to be as well.","start_word":4229,"end_word":4273,"sentiment":"positive","sentiment_score":0.40341952443122864},{"text":"So if you think back to, like, COVID, a lot of people move money into gold as a bit of a safe haven. The GFC is another really good example of that. So Yeah. that's why we wanna keep that, and that sort of shows you what the expected exposure might look like once we complete this change. Okay? Yep. Co.","start_word":4274,"end_word":4334,"sentiment":"neutral","sentiment_score":0.27058660984039307},{"text":"Perfect.","start_word":4335,"end_word":4335,"sentiment":"positive","sentiment_score":0.3882726728916168},{"text":"The next page down is the insurance recommendation. So when we did your annual review, we noted that you do have your employer paid policy, but we don't really know a lot about how much you are covered for. So one of the things we did talk about was, you know, if anything happened to you with regard to life and total permanent disability, having a bit of money there to maybe cover your mortgage or provide a little bit of additional benefit was important just to kind of allow you to take some time off, pay off the mortgage, you know, without having to worry about how much you were covered for through the employer paid policy because it was so unsure. Yep. So I did go back and do a bit of research there. I have made a recommendation that we do apply for life and CBD through Neos for the sum insured of 384,605. Essentially, Yep. when we sort of spoke, we looked at your mortgage, which was about 498, I believe, above there, and we looked at with your super balance just applying for about $300,000 of life and TBD and then accounting for the tax on TBD of up to 22% there as well. So that essentially meant that without accounting for the employer paid policy, because there were so many unknowns there, in the event of you passing away or becoming TPD, you would receive that $300,000 benefit from the TPD. Last, you'll get the full $3.84 paid to your partner. But then Yep. your super benefit on top of that can help pay off the rest of the mortgage and then provide some additional living expenses or income replacement there. Does that kind of ring about? Does that make sense, and Yeah. is that still Yep. appropriate? Yeah. Yeah. I think so. It's gonna Yep. hurt today a bit more, I think. So Absolutely. yeah. The only sort of thing I do wanna check, though, because you now do have that investment property there with having the extra mortgage, in the event of passing away, do you feel like that amount we are looking to apply for is still gonna be appropriate? Do you think your partner might wanna just sell the investment property or keep it going the way it is, or did you wanna look at a higher amount of life cover? What do you sort of feel about the changes to your circumstances? I think just stick with this, Yep. and then, you know, it gives enough breathing space to Yep. make decisions on that if it comes Absolutely. to that. So, Yep. yeah, it's Yep. just be a a sell, I think. Yep. Yeah.","start_word":4336,"end_word":4790,"sentiment":"neutral","sentiment_score":0.09665781546097536},{"text":"Perfect. Perfect.","start_word":4791,"end_word":4792,"sentiment":"positive","sentiment_score":0.47808581590652466},{"text":"Not a problem at Yeah. all. So, again, with the TBD, it is the same amount as the life. We did gross up the life to match the TBD because we were looking at 300,000 then incorporating the 22% tax.","start_word":4793,"end_word":4832,"sentiment":"neutral","sentiment_score":0.2160276174545288},{"text":"And the reason we have done that is because it actually makes the policy cheaper.","start_word":4833,"end_word":4847,"sentiment":"positive","sentiment_score":0.3659275770187378},{"text":"So by linking the life and TPD together, you get access to a multi policy discount there, which helps to make the policy cheaper. It does essentially mean that in the event of claiming TPD, the funds are paid out, but then because you've linked the TPD to the life, it does cancel the life act to zero. So we add the life buyback option, which means that after a TPD claims, so long as you survive generally within twelve months, you'll get a letter to say we're gonna reinstate the life policy, and they reinstate that back to the pre disability or preclaim amount. So you can have your life reinstated and then claim on life cover at at a later time. Does that make sense? Oh, yep. That Yeah.","start_word":4848,"end_word":4978,"sentiment":"neutral","sentiment_score":0.18215546011924744},{"text":"sounds Perfect. good. It's a great way of structuring it to make it a bit cheaper for you, but also making sure you have access to claim because the worst thing in the world is having insurances that you can't claim on.","start_word":4979,"end_word":5020,"sentiment":"positive","sentiment_score":0.5125790238380432},{"text":"You're paying all this Yeah. money for premiums. So yep. Yep.","start_word":5021,"end_word":5031,"sentiment":"neutral","sentiment_score":0.2741260826587677},{"text":"That's it. Perfect. Now these are to be structured inside super there. That way, you don't have to worry about making the, you know, making the premium payments out of your back pocket to make it easier on you.","start_word":5032,"end_word":5070,"sentiment":"positive","sentiment_score":0.4829323887825012},{"text":"And we do estimate for the first year's premium to be $451.34. That's how much the insurer actually receives. You will only Yep. pay $3.83 64, so $3.84 as per above.","start_word":5071,"end_word":5101,"sentiment":"neutral","sentiment_score":0.1970675140619278},{"text":"That's Yep. because due to the taxation inside suit, you get a better than 15% rebate or a discount on the premium. So you actually pay less than the insurer receives, which is actually kinda cool. Oh, it's fine. Oh, that's good. Yeah. Essentially, this recommendation is in your best interest because it was it's covering the amount that you wanted to. So it is meeting your goal of making sure that in the event of a TBD claim, after the 22% tax, you can receive the $300,000. It's giving you the life cover, and it means that anything you receive on top of that in the event of a TBD claim, if you, you know, claim on this, then you get your super release, and then your employer paid policy pays out a more as well. It's just giving you that extra benefit without the stress of the unknown of how much you're actually covered for.","start_word":5102,"end_word":5258,"sentiment":"positive","sentiment_score":0.46111291779834},{"text":"Okay. Yeah. No. Sounds Yep.","start_word":5259,"end_word":5263,"sentiment":"neutral","sentiment_score":0.17702513933181763},{"text":"good. Perfect.","start_word":5264,"end_word":5265,"sentiment":"positive","sentiment_score":0.4876785278320313},{"text":"We haven't looked at any income protection or any trauma, but down the track, if you would like to come and talk about those, I'm more than happy to help you out with that. I know your income protection with your employer paid policy is all still there as well. But if you Yep. ever wanted to look at anything else, just to let me know.","start_word":5266,"end_word":5331,"sentiment":"neutral","sentiment_score":0.2458799034357071},{"text":"I'm more than happy to update or make new recommendations.","start_word":5332,"end_word":5341,"sentiment":"positive","sentiment_score":0.39934995770454407},{"text":"That's what we're here for. Okay? Yep.","start_word":5342,"end_word":5348,"sentiment":"neutral","sentiment_score":0.21922625601291656},{"text":"Cool. Sounds good. Perfect.","start_word":5349,"end_word":5352,"sentiment":"positive","sentiment_score":0.36796414852142334},{"text":"Just just Now sorry. yes. Just So with the how does it work? if I did go income protection, then say you could could you claim to lots of income protection or, like, if you get it through the work, or how does that work? Yeah. So you absolutely can. It's just up to a certain limit. So, Yeah. generally, income protection only covers you for up to 70% of your current income of pre disability income. Yep. Essentially, if you have an employer paid policy that covers you for over 70%, then you can't claim on a secondary policy. If you're claiming on a policy that covers less than that 70%, and then you can get some top up policies and claim a bit more, It's just a juggling sort of thing to make sure that what you're what you're paying for is the amount you can claim on, that you're not overinsuring Yeah. yourself for amounts you can't claim on. But if you wanted to look at that, absolutely come and have a chat to me, and we can talk it through. Alright. Yeah. Cool. I think Absolutely. it's I've gotta check. I have looked at it, and some of our guys have actually been on it. So it is pretty Yeah.","start_word":5353,"end_word":5566,"sentiment":"neutral","sentiment_score":0.05754898582524228},{"text":"good.","start_word":5567,"end_word":5567,"sentiment":"positive","sentiment_score":0.5040786862373352},{"text":"I think it's just a thirty day Yeah. policy. Yep. And then after that, you can get it's either 70 maybe it's $7.75. I'm not Yeah. sure. If Yeah. you want What's if what's you're that? able to get the information there, Sean, you wanna send it through to me, I can absolutely run it through, have a real good look at it, and break down the details for you just to give you some information. Yeah. No worries. I'll Yeah. I'll try I'll try and go down that road again. No worries at all. I'll let I I'll email you after the call. So sorry I get the tongue tied. I'll No. email That you sounds after good. the call. That way, you've got my email there again at the top. If you just wanna grab the information, send it to me. I'll take some time to read it over, break it down. I can send you back the information so you understand a bit more about what you what the policy is, what you have. Easy done. Oh, no worries. Yeah. Easy.","start_word":5568,"end_word":5751,"sentiment":"neutral","sentiment_score":0.09432051330804823},{"text":"Perfect. The benefits of having this policy are that it is paid out of your super. So you're not having to pay the premiums out of your back pocket.","start_word":5752,"end_word":5780,"sentiment":"positive","sentiment_score":0.42504963278770447},{"text":"Structuring your policies this way basically allows you to have a higher sum insured without having to pay the money out of your back pocket. Living expenses can be extremely high. The disadvantages are that, obviously, paying for insurance premiums out of your super does have an effect on your retirement over the longer term. So we do wanna obviously review this with you on a yearly basis, make sure that as you get older, the risk of you making a claim, the insurance premiums actually get more expensive. So we wanna make sure that these premiums don't get exuberantly expensive, but that the level of cover still matches what you're actually after. Yeah. Okay? Cool.","start_word":5781,"end_word":5896,"sentiment":"neutral","sentiment_score":-0.037225354462862015},{"text":"Sounds good. Perfect.","start_word":5897,"end_word":5899,"sentiment":"positive","sentiment_score":0.38175517320632935},{"text":"The risks involved, we do have to go through an application in order to have this placed in force. So once you sign the document, return it back to me.","start_word":5900,"end_word":5929,"sentiment":"neutral","sentiment_score":0.012406366442640622},{"text":"I'll get you booked in with our lovely admin team.","start_word":5930,"end_word":5939,"sentiment":"positive","sentiment_score":0.33708205819129944},{"text":"They'll go through the insurance application with you. It's just about making sure you've disclosed everything. There's nothing in our records that is really a red flag there at all. But if there is anything that comes out on the application, the risks are that they could be loading to exclusions down the track before Yep. putting the policy in force. We'll come back and have a chat if there is any revised terms provided. Okay?","start_word":5940,"end_word":6015,"sentiment":"neutral","sentiment_score":-0.025834880769252777},{"text":"Cool. No worries. Perfect.","start_word":6016,"end_word":6019,"sentiment":"positive","sentiment_score":0.4483429491519928},{"text":"I will let you have a reach for the advantages, disadvantages, and risks involved. I kinda go through some of them, not to bore you with pages and pages, but feel free to have run your eyes over those. And if you find you do have any questions there, please do let me know. Okay.","start_word":6020,"end_word":6074,"sentiment":"neutral","sentiment_score":0.23573067784309387},{"text":"Yep. That's all good. Hold Perfect.","start_word":6075,"end_word":6080,"sentiment":"positive","sentiment_score":0.4401050806045532},{"text":"on a minute. The last part of the recommendations is the estate planning side of things. So because we are looking at life insurance through Neos and I had a look at your super fund, you don't have a beneficiary nomination applied as of yet. So I am making the recommendation. Sorry. If you're tracking to it's page 25, I do apologize. Yeah.","start_word":6081,"end_word":6143,"sentiment":"neutral","sentiment_score":0.006920425221323967},{"text":"That's all good.","start_word":6144,"end_word":6146,"sentiment":"positive","sentiment_score":0.36977338790893555},{"text":"One moment there. I was just I'm making the recommendation that we apply a binding non lapsing beneficiary nomination to both your life insurance and your hub twenty four super account nominating Jessica. So in the Yeah. event Yeah. that anything was to happen, having these onboard means that the trustee is down to follow your direction and non lapsing essentially means that you don't have to fill out these forms continuously unless your circumstances change. So as long Yeah. as the the nomination is valid and we'll help you to make sure it is valid, then in the event of something happening, Jessica just needs to contact us, and we will help her with the claim. I always find it really important to make mention to have our number somewhere. I know we do send out business cards.","start_word":6147,"end_word":6285,"sentiment":"neutral","sentiment_score":0.17591069638729095},{"text":"Happy to organize another one if you need to.","start_word":6286,"end_word":6294,"sentiment":"positive","sentiment_score":0.4184201061725617},{"text":"But just having Yep. it on the fridge or someone somewhere close means that in the event that something happens, Jessica can call us and go, hey. I am, Yep. Sean's partner. Certainly, this has happened. We need to make a claim.","start_word":6295,"end_word":6336,"sentiment":"neutral","sentiment_score":0.14280513567583902},{"text":"And, you know, with your life insurance and things like that, we will help her with the claim process to be nice and easy.","start_word":6337,"end_word":6360,"sentiment":"positive","sentiment_score":0.3684565722942352},{"text":"Okay?","start_word":6361,"end_word":6361,"sentiment":"neutral","sentiment_score":0.28854694962501526},{"text":"Cool. Sounds good. Perfect.","start_word":6362,"end_word":6365,"sentiment":"positive","sentiment_score":0.6652982234954834},{"text":"We also do make the recommendation in here that you do establish a will and power of attorney.","start_word":6366,"end_word":6383,"sentiment":"neutral","sentiment_score":0.29249194264411926},{"text":"Having the beneficiary nominations on your super is great because that obviously covers your super in the event that something happens.","start_word":6384,"end_word":6404,"sentiment":"positive","sentiment_score":0.40825599431991577},{"text":"However, all of your other assets outside of super are just as important, investment properties, your properties, your savings, your cars, your couches, everything. So Yeah.","start_word":6405,"end_word":6430,"sentiment":"neutral","sentiment_score":0.15623658895492554},{"text":"having your will done up with us listed is a really important way of protecting all your other assets, and having a power Yep.","start_word":6431,"end_word":6454,"sentiment":"positive","sentiment_score":0.3640107214450836},{"text":"of attorney is just as important. It's about making sure that in the event that you're unable to make decisions on your own behalf, that you have an attorney that's nominated someone you trust and that someone who knows what your wishes are. One of the biggest funds is, like, incapacity due to medical. Someone's had an injury or an illness, and they're not able to make decisions. They're in a coma or something's happened, and having that power of attorney to be enacted by your attorney means that you've given them direction on what you want them or how you want them to act if in the event that you're unable to act on your own behalf. So the small Yeah. major things, but they they make make a really big difference. And I always think having paying for a solicitor to drop a will and power of attorney is really putting a bit more of invested in yourself and and your future and making sure that you're protected as well. Okay? Yep. No worries.","start_word":6455,"end_word":6630,"sentiment":"neutral","sentiment_score":0.11590926349163055},{"text":"Sounds Perfect. good.","start_word":6631,"end_word":6633,"sentiment":"positive","sentiment_score":0.44931966066360474},{"text":"As part of the implementation, once you're happy to take on the advice, we'll get you to sign and return it back. Essentially, what we'll do is we'll start by just doing the investment switch for you. We do all that online.","start_word":6634,"end_word":6675,"sentiment":"neutral","sentiment_score":0.26056766510009766},{"text":"It's nice and easy.","start_word":6676,"end_word":6679,"sentiment":"positive","sentiment_score":0.5590867400169373},{"text":"We'll then book you in to go through the insurance application with you.","start_word":6680,"end_word":6692,"sentiment":"neutral","sentiment_score":0.3001958727836609},{"text":"One of our beautiful admin team will go through those questions nice and easy.","start_word":6693,"end_word":6706,"sentiment":"positive","sentiment_score":0.6710864305496216},{"text":"We then send that off to the underwriters. They'll assess the application so long as there's nothing that causes a red flag. So I've seen applications go in very, very quickly. I've also seen them take a couple of weeks, so, hopefully, not as easy one for you. Yeah. No We worries. then also send out your beneficiary nominations. We can help to have them filled out. They just need to be witnessed by someone that's not the beneficiary or not not the beneficiary person. So Jessica couldn't essentially be a witness for you because she is the person we're nominating. Yeah.","start_word":6707,"end_word":6808,"sentiment":"neutral","sentiment_score":0.15934216976165771},{"text":"Designed by two witnesses to make it nice and easy, and then we can also send out a referral for you for a solicitor to give you some information around setting up a will, costing, things like that. And if you would like a referral on, we're happy to help you with that as well.","start_word":6809,"end_word":6863,"sentiment":"positive","sentiment_score":0.4189724028110504},{"text":"Okay? Yep.","start_word":6864,"end_word":6865,"sentiment":"neutral","sentiment_score":0.21180787682533264},{"text":"No worries. Perfect. The only other thing to kinda make mention of is the advice is provided fully complimentary to yourself.","start_word":6866,"end_word":6886,"sentiment":"positive","sentiment_score":0.3930894434452057},{"text":"There's no upfront fees for the advice.","start_word":6887,"end_word":6893,"sentiment":"neutral","sentiment_score":0.2369486838579178},{"text":"It's all part of you being an ongoing client.","start_word":6894,"end_word":6902,"sentiment":"positive","sentiment_score":0.3598712384700775},{"text":"As an ongoing client, you do pay an ongoing service fee for our services. That's including updating the advice.","start_word":6903,"end_word":6921,"sentiment":"neutral","sentiment_score":0.2169291079044342},{"text":"So working towards your goals of having the best of time that you can possibly have at the age of 60 there.","start_word":6922,"end_word":6943,"sentiment":"positive","sentiment_score":0.36581405997276306},{"text":"The ongoing service fee is 1.65% per annum. It is calculated and deducted from your super in smaller monthly increments. So it does fluctuate with the market, but we wanna obviously make sure the market's moving the best they possibly can. Yep. I do also have to disclose that with insurance recommendations, we do receive remuneration for those from the insurance company. It's not paid by you in any way, shape, or form and has no effect on my recommendations. My recommendations have to be in your best interest. And that's Yep. why through the document, we note the best interest duty there for you.","start_word":6944,"end_word":7048,"sentiment":"neutral","sentiment_score":0.08397648483514786},{"text":"Cool.","start_word":7049,"end_word":7049,"sentiment":"positive","sentiment_score":0.34486454725265503},{"text":"With the premiums, we do expect it's just 66% of the first year's premium and 22%, they're ongoing. So we have disclosed that inside this document on the last few pages there for you as well. Yeah. Does that all make sense? Do you have any questions for me at the moment? No. That's all good.","start_word":7050,"end_word":7105,"sentiment":"neutral","sentiment_score":0.07783445715904236},{"text":"Yep. Perfect. That is basically everything I needed to run through with you.","start_word":7106,"end_word":7118,"sentiment":"positive","sentiment_score":0.3858546018600464},{"text":"We do have, sorry, attached to that, the quote for you to run your eyes over. I've also got a whole bunch of other documents attached there, the appendices, the PDF doc PDF documents if you're interested in having a look at the fraud disclosure statements. The financial services guide for us has been updated recently, and there's some nice photos of all of us and all of my information in there as well. But, yeah, feel free to have a read through those.","start_word":7119,"end_word":7202,"sentiment":"neutral","sentiment_score":0.20218372344970703},{"text":"Once you're happy to take on the recommendations, we'll get you to sign and return it back, and we'll get this moving for you nice and quickly.","start_word":7203,"end_word":7229,"sentiment":"positive","sentiment_score":0.4730170667171478},{"text":"Okay? No worries.","start_word":7230,"end_word":7232,"sentiment":"neutral","sentiment_score":0.20162449777126312},{"text":"Sounds good.","start_word":7233,"end_word":7234,"sentiment":"positive","sentiment_score":0.3695944547653198},{"text":"Yeah. I've just gotta There sort out my will and everything, you which, yeah, I probably do when I go. get back from that trip. Absolutely. So yeah. No. Perfect. In the background, I'll go and update your investment information there for you, Yep.","start_word":7235,"end_word":7278,"sentiment":"neutral","sentiment_score":0.11103712767362596},{"text":"But thank you so much for that. I really appreciate you taking the time to run through this with me today.","start_word":7279,"end_word":7299,"sentiment":"positive","sentiment_score":0.595709502696991},{"text":"If there are any questions, let me know. I will email you after the call just with that document there so you can send it through whenever you're ready. It doesn't have to be now. It's, you know, whenever Yep.","start_word":7300,"end_word":7339,"sentiment":"neutral","sentiment_score":0.2528434097766876},{"text":"you've got time, and I can happily break that down for you. It's part of what we do. We're here to support you, provide advice, but also here to give you information and help you to decipher things if you need them as well.","start_word":7340,"end_word":7383,"sentiment":"positive","sentiment_score":0.37130406498909},{"text":"So feel Yeah.","start_word":7384,"end_word":7386,"sentiment":"neutral","sentiment_score":0.25147151947021484},{"text":"free to use me to your full advantage.","start_word":7387,"end_word":7394,"sentiment":"positive","sentiment_score":0.43068790435791016},{"text":"And if you find anyone else who wants to review their super, have a look at what they can do, please feel free to pass on my information.","start_word":7395,"end_word":7422,"sentiment":"neutral","sentiment_score":0.32663848996162415},{"text":"Happy to have a chat to anyone.","start_word":7423,"end_word":7429,"sentiment":"positive","sentiment_score":0.5973362326622009},{"text":"Yes.","start_word":7430,"end_word":7430,"sentiment":"neutral","sentiment_score":0.27395933866500854},{"text":"So easy. Sounds Can good.","start_word":7431,"end_word":7435,"sentiment":"positive","sentiment_score":0.43612541556358336},{"text":"you see? No worries at all, Sean. Do you have any questions that you wanted me to sort of break down? Did you have anything you wanted me to sort of go through in a bit more further detail for you? Or No.","start_word":7436,"end_word":7478,"sentiment":"neutral","sentiment_score":0.08718635141849518},{"text":"It's all still pretty good. Beautiful. Yeah. I'm pretty happy to go through and, yeah, just having Perfect.","start_word":7479,"end_word":7496,"sentiment":"positive","sentiment_score":0.5374545454978943},{"text":"another look through the numbers and yeah.","start_word":7497,"end_word":7503,"sentiment":"neutral","sentiment_score":0.270612895488739},{"text":"Absolutely.","start_word":7504,"end_word":7504,"sentiment":"positive","sentiment_score":0.36921799182891846},{"text":"So it's more than roughly. Yeah. It's been Yeah. about 14% over a few years, which is good.","start_word":7505,"end_word":7522,"sentiment":"neutral","sentiment_score":0.24363964796066284},{"text":"So happy with that.","start_word":7523,"end_word":7526,"sentiment":"positive","sentiment_score":0.6175658106803894},{"text":"Yeah.","start_word":7527,"end_word":7527,"sentiment":"neutral","sentiment_score":0.30869626998901367},{"text":"Perfect.","start_word":7528,"end_word":7528,"sentiment":"positive","sentiment_score":0.4657204747200012},{"text":"Yeah.","start_word":7529,"end_word":7529,"sentiment":"neutral","sentiment_score":0.26952701807022095},{"text":"Perfect.","start_word":7530,"end_word":7530,"sentiment":"positive","sentiment_score":0.410163551568985},{"text":"Yep.","start_word":7531,"end_word":7531,"sentiment":"neutral","sentiment_score":0.2497047483921051},{"text":"Well, All good. thank you so much for your time.","start_word":7532,"end_word":7541,"sentiment":"positive","sentiment_score":0.5836085677146912},{"text":"If I don't talk No to you before, worries.","start_word":7542,"end_word":7550,"sentiment":"neutral","sentiment_score":-0.03402837738394737},{"text":"have Thank an you. amazing trip, and Thank I really you. appreciate you taking my time today. No worries. Thanks for the call. Anytime, Sean. Have a great afternoon. Thank you. Same to you. Cheers. See you Good later.","start_word":7551,"end_word":7589,"sentiment":"positive","sentiment_score":0.6110287308692932},{"text":"one.","start_word":7590,"end_word":7590,"sentiment":"neutral","sentiment_score":0.22766819596290588},{"text":"Thanks.","start_word":7591,"end_word":7591,"sentiment":"positive","sentiment_score":0.4960986077785492},{"text":"Bye. Bye.","start_word":7592,"end_word":7593,"sentiment":"neutral","sentiment_score":0.25838375091552734}],"average":{"sentiment":"neutral","sentiment_score":0.14882710535104104}}}}