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Is now still a good time there for you? Oh, no. No. That's okay. I normally do send the document through to you there. Obviously, you can't read it because you are driving. Are you comfortable with me just running through the recommendations as easily as I possibly can, and then allow you to go back and review it later? Is that okay? Yeah. Fantastic. That's not a problem at all. I'll just start by sending it through so it is there when you are able to when you get home and you've got some time to run through it there. Once you do sort of receive the document, please go through. Have a bit of a read of it. Let me know if there are any additional questions there, and if you're happy to take on the recommendations or just get the sign and return it back there for me. Okay? Excellent. Fantastic. Before I jump in and start going to this, I do have to let you know, moving forward, our calls are recorded for training and quality purposes. Are you happy for me to proceed with that? Fantastic. And I'll just do a quick security check there for you. So to confirm your full name, your date of birth, and address I should have on file. Beautiful. Thank you so much for that. Richard, when you do see the document there, on the front page, it does have your name. It's also got my license number. So I'm a licensed financial adviser registered with ASIC, and my registration number is 130 sorry. 1304394. The areas with regard to this advice, it sort of came off the back of your annual review there. So we're looking at superannuation. You're sort of tracking to try and access super about the age of 65, and we had noted there was some underperforming investments. So we wanted to kinda go back and review those and have those updated there for you as well. We were also looking at the insurance aspect. So you were happy with your life and TBD, but your income had changed slightly. So we were looking at increasing your income protection to keep you in line with being able to claim the maximum seven 70% if you were off work due to illness or injury. Does that still sound fairly appropriate for you? Yep. Beautiful. And then I've also just scoped in the beneficiary side things as well, just making sure that your beneficiaries are up to date. I can see that my team is yet to post those out to you, but I will make sure they are completed this week for you as well. Okay? Fantastic. Essentially, with regard to the recommendations there, sir, I did go back and have a bit of a look at your super as well as looking at any other funds out there just to sort of make sure that you were in the correct fund, see if there was any sort of reason to change out of the fund there. There isn't at the moment, so I am recommending you do retain hub twenty four for the time being. Essentially, one of the things I do look at when I am recommending whether to change a a platform or a super fund is essentially the capital gains consequences there. One of the things I did sorta notice was that if we had to sell down your whole portfolio and move you to another fund, we would have triggered a full sell down and a CTT for approximately $3,085. So we do try to retain and limit the amount of tax consequences on your super fund because the more tax that is paid, the less your balance is and the harder it can be to kind of obtain that money back there. So I am recommending that that we do keep your super fund exactly as it is within HUB twenty four, and we just switch the investments. Essentially, Hub twenty four does actually have over a thousand investments to sort of choose from. So we do have a lot of different investments that we can sort of switch you into. So it is still one of the better funds out there. When I am looking to change the investments, essentially, what I'm looking to do is we talked about how the bank hybrids are to be essentially phased out down the track there. So I am recommending we sell those down to zero. We'll place them as a defensive investment. It's better while we are making changes now to make all the changes rather than some now and then some down the track when we have to later on. You've got the global agriculture in there. Hasn't done too bad, but I am looking to sell that down completely as well. You do also have some physical gold within your portfolio. Physical gold has done really, really well. We only wanna hold about 8%. So you do have currently have 15.50%. You are a bit overweighted in physical gold, so we're gonna rebalance your portfolio back there and just sell some of that. That essentially cements the gain that's being made, and we can redistribute that across the rest of your portfolio there as well. You do have some cybersecurity. Has been a bit up and down this year, but overall has been doing very, very well. Cybersecurity is still a place we wanna keep invested in your portfolio there. So we only wanna hold about 5%. You've got a bit over six percent there at the moment. So it's about just rebalancing your portfolio back and selling some of that. We wanna keep the S and P 500 to keep access to The US market there. You've got so we wanna hold 20%. You currently have 28.40. So we're gonna rebalance sell some of that to sort of bring you down to 20% then. We are also keeping the beta shares Rafi 200. So giving you exposure to some of the top 200 companies on the ASX there. You've essentially got 15 we wanna hold 15%. You've got about 18 in your portfolio at the moment. So, again, it is just kind of reweighting the portfolio back. With the Van Along Australian Equities, we are getting rid of that completely. That is the one that's been underperforming as we kinda went through before. So we are gonna sell that completely down and remove that from your portfolio and replace that to make sure you still have Australian equity exposure. We've also got the ClearBridge infrastructure fund. So it has taken a little bit of a hit recently, has not done been within your portfolio. Essentially, it has been having a little bit of up and down with what's been occurring of the changes to legislation with regard to property there. So I am recommending we remove that completely out of your portfolio and cement the gains that it has made. Essentially, once we kinda to complete all of those sales and rebalance things back a little bit, what you will see in your portfolio is that at 8% in physical gold, 5% is cybersecurity, 20% invested in the S and P 500, so it's The US market. We'll keep 15% in the Rafi two 100, and we're also gonna invest 5% into the India quality ETF. So India has seen some really good gains, and we do wanna keep a bit of exposure in that area. So we'll add 5% into the India market. Global Healthcare has seen some good gains, and it is still a place we wanna, you know, stay in or be invested, essentially. So we're gonna have about 4% in the Global Healthcare. Again, it's giving you diversification, so we're looking globally for that investment there as well. And then because we are removing, essentially, the ban along Australian equities, we're investing 10% into the beta shares a 200. This is essentially a passively managed fund. It's helping to track some of the top 200 companies on the ASX. We have that plus the Raffy that is giving you essentially 400 the top 400 companies on the ASX there. It's not technically overweighting the portfolio by Australian equities. It is diversifying quite heavily. The Rafi also encompasses some mid cap there as well, so it is a positive sign for you. But, essentially, we wanna see about 25% in the Australian equity space, and this is where that's giving you access and exposure. By keeping the Raffy and having the a 200 there and removing that along, we're also increasing your diversification in your portfolio. So it's helping to lower your overall risk of the portfolio there as well, which is a positive thing. We also got the JPMorgan Global Research Enhanced Equity Fund. It's a long name. Essentially, we're gonna add 15% exposure into that. That is a little bit of an actively managed fund. It is mostly passive. It's a low cost fund, but it utilizes JPMorgan's research team to find areas globally for where they want to maybe add a little bit of additional growth or be invested in. JB and Morgan's research team has been around forever. They are a really great team. They have some really great researchers there, and they do very well as a whole. So it's about because you're younger, you can take a little bit have a little bit of active management in your portfolio. We wanted to keep this here to give you that little bit of active management, but also try and make the portfolio as cheap as possible. Does that all make sense so far? Yep. Beautiful. And then defensive investment. So you are in that growth environment. So that's a 8020 split that we went through last time. So we do wanna keep about 20% in defensive low risk investments. So we're keeping in there the iShield e sorry. I iShares Yield Plus. It's giving you access to fixed interest and high it's sort of looking at things that pay really good dividends and high yields to income producing and then core composite bonds. They're giving you access to government and corporate bonds. It also does have some global exposure into notes and fixed interest there as well. So those two investments are more about having a little bit of low risk investing, having some defensive assets, income production as well because income is something we wanna see in happening. We wanna see income being produced out of your investments, paid into your cash account, which can be redistributed across your portfolio, and that does help with the compounding effect there as well. That is a lot to go through when you're not looking at the document, and I fully understand that. Do you have any questions at all? No. You're fine, honestly. When you do happen to have a look at the document, page number 20 outlines essentially what the buyers and sales look like. The reds are buy sells, the greens are are buyers, and the very last column essentially shows you where you'll see all of your super invested once we make those changes there for you. So a lot of the reasoning behind the changes, as I kinda went through before, I do look at the capital gains consequences for making the changes there. Obviously, I wanted to limit those as much as possible, and I was able to work out by making these switches within your portfolio. Your super fund has no capital gains consequences, so we're utilizing the underperformance of some of the investments to complete the switches and to essentially limit or completely reduce the capital gains consequences. So we can make those changes within your portfolio and switch the investments, and there's no CDT consequences to your super fund to take into account, which is a positive. Yeah. The other side of that is the investment fees. So we're not removing you out of hub twenty four. So there's no change to the admin fees there. However, this newer portfolio is cheaper. So it's expected to save you $294 on for the first year on investment fees. So it's less money being paid out in fees, more money stays in your super working harder for you. The other thing that I looked at is the five year rolling average. So the current portfolio has averaged about 9.24% when we kinda look at the research data. This newer portfolio over the past five years has averaged about 10.53%. So, realistically, if this newer portfolio can do what it has done over the next sort of five years, offer saving in fees and no CGT consequences, it can essentially put you in a much greater position moving forward. So it's essentially weighing up no CGT consequences, a better performing portfolio, and a cheaper portfolio, and what that can do for you over the next five to ten years, and it does show it puts you in a better position long term. So that's essentially why I made that recommendation there. Does that all make sense? Do you have any questions? You're welcome to let me know if you do. Beautiful. The other thing that we sort of talked about was the income protection side of things. So we did a bit of a pre assessment with you. We are just retaining your life and TBD as it is, but we are recommending that we do increase your income protection in line with your income needs. So just making sure that you have the most income protection cover so that if in the event you were to need to claim on the policy, that we could cover as much of your expenses as absolutely possible. Under your current income, it means that you'd be applying for a monthly benefit of 7,583. It's an increase to the policy. We're still keeping a thirty day waiting period and a five year benefit period, so no change that at all. It is structured and linked to your current life and TBT policies. No change there. And, essentially, when we look at the difference so your current policy sorry, is costing about $1,043.40 there with the newer policy, obviously, increasing your life and increasing your income protection. The amount, it's essentially doubling the policy. So the yearly premium is expected to be about $2,083. It is increasing the cost by 1,040 for the year. So the main sort of reason that was a thing was when we kind of went back and reviewed your pre assessments and went out to the market to see how that would be assessed. They are essentially looking at a left knee exclusion because of your previous injury. You do have smoker rates in the policy as a smoker. They are adding an exclusion for your secondary occupation because you are doing two jobs. They'll cover your main and primary occupation, but they won't cover your secondary occupation, unfortunately. And they are adding a 50% loading onto the policy as well. These all can be reviewable down the time. It's just all about sort of what they reviewed upfront and how they assess the risk of the insurance. It is still preferred to put that in place because it gives you a higher level of cover. It's just that the only thing that really affects is the knee exclusion and the secondary occupation there. Does that all make sense? Do you have any questions? No. Beautiful. And one of the things to sort of look at is with these exclusions and loadings, they are kind of all generally reviewable down the track. As soon as we can review them, we do. The other thing we sort of wanna look at is we intend to need a higher level of cover now. We're also building super paying down debts and building our savings and portfolios and things. But as we get older, we should be able to reduce the level of cover back a little bit as well. So we'll make sure to review the cover with you on a regular basis and make sure to make updates to that as needed as well. So yeah. Easy. Yeah. Mhmm. It really just depends upon how how long ago it started and whether you've had ongoing issues with it. So if you have any pain, or have had treatment or had any symptoms around that issue, then they, would probably not assess it. Normally, they like about sort of three to five years symptom or injury you know, pain free, essentially. But if this is also just sort of based on what we have at the moment. So what'll actually happen is we'll go through the application with you. It will go through to the underwriters. So we're kind of showing you worst case scenario. They'll go through the application. They'll assess the risk level. They'll probably ask for doctor's reports as well. If they look at that knee the knee issue, they go, hey. Look. This was a long time ago. There's nothing on doctor's records that have shown that there's ongoing issues or pain. It's not affecting your day to day life, and they may not have that knee exclusion on there. It's just based on the information we have, this is what we can assess it as, And we're essentially showing you worst case worst case scenario for the exclusions and load ins so that you're kind of prepared going into the application, but it all comes down to how the underwriter assess it. We can also do and I have done in the past with clients when we go through the underwriting, if it comes back and they have the knee exclusion there, I tend to also find out what exactly do they want in order to have that removed. And if it's the case of going back to the doctor, having it assessed, or getting some sort of letter from your doctor to show you've had no issues, not been off work, you know, there's no ongoing pain, and there's nothing causing you to have any further issues to the knee, then they may be able to reassess it then. So that's just another thing that I sorta had clients go back and do, see the doctor get this reassessed, and then we kind of have it removed. It is a possibility. It's not a guarantee, but it is a possibility. So when when the, exclusions and loadings come through after the full assessment, then we tend to go back and find out what with what they wanna know, when can it be reviewed, what they'll need to have it reviewed. And we ask all those questions so we know, moving forward, how the how the policy can be assessed to, you know, assist. The other side of it is it's only on the increase. So any loadings or exclusions that like, at the moment, your previous policy, there's really nothing noted. They're only gonna assess the increased components. So your current policy will stay exactly as it is, and the loadings, exclusions, any changes to your health only affect the increased portion of the policy. Does that make sense? Yeah. Yeah. Beautiful. So I just wanted to be open and honest and let you know that's essentially how they're gonna assess that to start with. It could be very different depending on how the outcome of the poll of the application there. But we'll always go back and ask the questions, ask them to you know, when it can be assessed, how it's assessed, what they need to do. So and when it can be assessed, we'll definitely make sure we do look at that for you. We don't ever want you to have loadings and exclusions beyond the point that you really need to have them on the policy because we do know loadings make the policy more expensive, and exclusions essentially are where you're not able to claim on the policy for a certain aspect. So we just wanna make sure that we're open and honest and show you what the expectation is based on the risk that has been assessed with the insurers directly. Yeah. Oh, absolutely. No. No. Absolutely. And, I mean, realistically, if you've had that kind of injury or illness in the past, it might be something, you know, with what you do for work that you might actually need to claim on. So when and if it can be assessed, I completely understand. And it's fine. No. It's a great question, actually. I encourage everyone to ask as many questions as possible because, realistically, knowing that does give you kind of an idea of, you know, if you twelve months, they might just reassess it if they say, hey. Look. We'll put it on for now. But in twelve months' time, if you had no pain, no time off work, and not needed any medication, you know, to assist with the the pain of that, then we might reassess it. So it's always worth asking those questions, and I ask those questions of insurance before they put an application in force every single time. So absolutely fine. Yeah. Oh, good. The only other thing there is just with regards to the beneficiary side of things, so just making sure we have those updated. I will get on to my team to make sure those beneficiaries are sent out, and we have those all pre filled with Courtney's details there for you. Just making sure that everything is correct and and set up in place for yourself there. I know it is a lot when you're not looking at the documents. Do you have any other questions or anything you want me to clarify? I'm so sorry, Richard. Yeah. Beautiful. Fantastic. Lovely. I always try to go as easy as possible. There's certain things I have to hit, like, certain points I've gotta sort of touch on, but I always try not to feel like I'm talking at you. It's the worst thing in the world. You're probably looking at sitting in traffic too, trying to navigate and drive and pay attention. Yeah. Absolutely. Yeah. Definitely. What kind of audiobooks are you into these days? What's the okay. Nice. Yes. Yeah. I love that. That's fantastic. No. That's awesome. Beautiful. Well, I have sent the email there to you. So you've got your statement of advice in your emails. We also have attached the financial services guide, the appendices with the research conducted. And depending on how much reading you enjoy doing, I've also got the product disclosure statements for Hub twenty four and ClearViews. You're welcome to run your eyes over that. In the recommendations which I've outlined in the document, we've also got the risks, advantages, disadvantages. I run through some of those with you, but there's quite an extensive range in there for you to run your eyes over. And then we also have the best interest duties. So any advice we do provide is linked back to your goals and noted in the in its best interest and how it's in your best interest to follow through with the recommendations there. But once you've kinda read through it, if there's any questions that come out of that, you're welcome to let me know. And if you kinda go through it, you're just happy to take on the advice. We'll just get you to sign and return that one back there for us. Okay? Easy. Thank you so much. Well, that's everything I needed to touch on, but thank you so much for your time. I hope you get home soon and can put your feet up. Oh, bless you. Look. I've got another probably half an hour or a bit longer at work. I finish at six tonight, and then I drive another forty minutes home. So I I understand that. Yep. Absolutely. Absolutely. I don't know about you, but I find that my sitting in traffic is kind of my time. I can listen to a book or listen to, you know, something and just zone out for a little while and just have quiet. That's probably the nicest part of my day, just sitting in silence and listen to music or a podcast or a book or something. Yeah. Absolutely. No. Beautiful. Well, look. Drive safe. Get home safely, and let me know if there's any questions that yeah. It looks thank you so much for allowing me to put this together. I've really enjoyed doing the research for you. You too. Thanks, Richard. I'll let you go. You have a lovely evening. Thanks. See you later. 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Richard. It's Dana from Okey Financial. How are you this afternoon? I'm very well. Thank you.\n\nThanks for asking. I had you booked in to go through your updated statement of advice. Is now still a good time there for you? Oh, no. No.\n\nThat's okay. I normally do send the document through to you there. Obviously, you can't read it because you are driving. Are you comfortable with me just running through the recommendations as easily as I possibly can, and then allow you to go back and review it later? Is that okay?\n\nYeah. Fantastic. That's not a problem at all. I'll just start by sending it through so it is there when you are able to when you get home and you've got some time to run through it there. Once you do sort of receive the document, please go through.\n\nHave a bit of a read of it. Let me know if there are any additional questions there, and if you're happy to take on the recommendations or just get the sign and return it back there for me. Okay? Excellent. Fantastic.\n\nBefore I jump in and start going to this, I do have to let you know, moving forward, our calls are recorded for training and quality purposes. Are you happy for me to proceed with that? Fantastic. And I'll just do a quick security check there for you. So to confirm your full name, your date of birth, and address I should have on file.\n\nBeautiful. Thank you so much for that. Richard, when you do see the document there, on the front page, it does have your name. It's also got my license number. So I'm a licensed financial adviser registered with ASIC, and my registration number is 130 sorry.\n\n1304394. The areas with regard to this advice, it sort of came off the back of your annual review there. So we're looking at superannuation. You're sort of tracking to try and access super about the age of 65, and we had noted there was some underperforming investments. So we wanted to kinda go back and review those and have those updated there for you as well.\n\nWe were also looking at the insurance aspect. So you were happy with your life and TBD, but your income had changed slightly. So we were looking at increasing your income protection to keep you in line with being able to claim the maximum seven 70% if you were off work due to illness or injury. Does that still sound fairly appropriate for you? Yep.\n\nBeautiful. And then I've also just scoped in the beneficiary side things as well, just making sure that your beneficiaries are up to date. I can see that my team is yet to post those out to you, but I will make sure they are completed this week for you as well. Okay? Fantastic.\n\nEssentially, with regard to the recommendations there, sir, I did go back and have a bit of a look at your super as well as looking at any other funds out there just to sort of make sure that you were in the correct fund, see if there was any sort of reason to change out of the fund there. There isn't at the moment, so I am recommending you do retain hub twenty four for the time being. Essentially, one of the things I do look at when I am recommending whether to change a a platform or a super fund is essentially the capital gains consequences there. One of the things I did sorta notice was that if we had to sell down your whole portfolio and move you to another fund, we would have triggered a full sell down and a CTT for approximately $3,085. So we do try to retain and limit the amount of tax consequences on your super fund because the more tax that is paid, the less your balance is and the harder it can be to kind of obtain that money back there.\n\nSo I am recommending that that we do keep your super fund exactly as it is within HUB twenty four, and we just switch the investments. Essentially, Hub twenty four does actually have over a thousand investments to sort of choose from. So we do have a lot of different investments that we can sort of switch you into. So it is still one of the better funds out there. When I am looking to change the investments, essentially, what I'm looking to do is we talked about how the bank hybrids are to be essentially phased out down the track there.\n\nSo I am recommending we sell those down to zero. We'll place them as a defensive investment. It's better while we are making changes now to make all the changes rather than some now and then some down the track when we have to later on. You've got the global agriculture in there. Hasn't done too bad, but I am looking to sell that down completely as well.\n\nYou do also have some physical gold within your portfolio. Physical gold has done really, really well. We only wanna hold about 8%. So you do have currently have 15.50%. You are a bit overweighted in physical gold, so we're gonna rebalance your portfolio back there and just sell some of that.\n\nThat essentially cements the gain that's being made, and we can redistribute that across the rest of your portfolio there as well. You do have some cybersecurity. Has been a bit up and down this year, but overall has been doing very, very well. Cybersecurity is still a place we wanna keep invested in your portfolio there. So we only wanna hold about 5%.\n\nYou've got a bit over six percent there at the moment. So it's about just rebalancing your portfolio back and selling some of that. We wanna keep the S and P 500 to keep access to The US market there. You've got so we wanna hold 20%. You currently have 28.40.\n\nSo we're gonna rebalance sell some of that to sort of bring you down to 20% then. We are also keeping the beta shares Rafi 200. So giving you exposure to some of the top 200 companies on the ASX there. You've essentially got 15 we wanna hold 15%. You've got about 18 in your portfolio at the moment.\n\nSo, again, it is just kind of reweighting the portfolio back. With the Van Along Australian Equities, we are getting rid of that completely. That is the one that's been underperforming as we kinda went through before. So we are gonna sell that completely down and remove that from your portfolio and replace that to make sure you still have Australian equity exposure. We've also got the ClearBridge infrastructure fund.\n\nSo it has taken a little bit of a hit recently, has not done been within your portfolio. Essentially, it has been having a little bit of up and down with what's been occurring of the changes to legislation with regard to property there. So I am recommending we remove that completely out of your portfolio and cement the gains that it has made. Essentially, once we kinda to complete all of those sales and rebalance things back a little bit, what you will see in your portfolio is that at 8% in physical gold, 5% is cybersecurity, 20% invested in the S and P 500, so it's The US market. We'll keep 15% in the Rafi two 100, and we're also gonna invest 5% into the India quality ETF.\n\nSo India has seen some really good gains, and we do wanna keep a bit of exposure in that area. So we'll add 5% into the India market. Global Healthcare has seen some good gains, and it is still a place we wanna, you know, stay in or be invested, essentially. So we're gonna have about 4% in the Global Healthcare. Again, it's giving you diversification, so we're looking globally for that investment there as well.\n\nAnd then because we are removing, essentially, the ban along Australian equities, we're investing 10% into the beta shares a 200. This is essentially a passively managed fund. It's helping to track some of the top 200 companies on the ASX. We have that plus the Raffy that is giving you essentially 400 the top 400 companies on the ASX there. It's not technically overweighting the portfolio by Australian equities.\n\nIt is diversifying quite heavily. The Rafi also encompasses some mid cap there as well, so it is a positive sign for you. But, essentially, we wanna see about 25% in the Australian equity space, and this is where that's giving you access and exposure. By keeping the Raffy and having the a 200 there and removing that along, we're also increasing your diversification in your portfolio. So it's helping to lower your overall risk of the portfolio there as well, which is a positive thing.\n\nWe also got the JPMorgan Global Research Enhanced Equity Fund. It's a long name. Essentially, we're gonna add 15% exposure into that. That is a little bit of an actively managed fund. It is mostly passive.\n\nIt's a low cost fund, but it utilizes JPMorgan's research team to find areas globally for where they want to maybe add a little bit of additional growth or be invested in. JB and Morgan's research team has been around forever. They are a really great team. They have some really great researchers there, and they do very well as a whole. So it's about because you're younger, you can take a little bit have a little bit of active management in your portfolio.\n\nWe wanted to keep this here to give you that little bit of active management, but also try and make the portfolio as cheap as possible. Does that all make sense so far? Yep. Beautiful. And then defensive investment.\n\nSo you are in that growth environment. So that's a 8020 split that we went through last time. So we do wanna keep about 20% in defensive low risk investments. So we're keeping in there the iShield e sorry. I iShares Yield Plus.\n\nIt's giving you access to fixed interest and high it's sort of looking at things that pay really good dividends and high yields to income producing and then core composite bonds. They're giving you access to government and corporate bonds. It also does have some global exposure into notes and fixed interest there as well. So those two investments are more about having a little bit of low risk investing, having some defensive assets, income production as well because income is something we wanna see in happening. We wanna see income being produced out of your investments, paid into your cash account, which can be redistributed across your portfolio, and that does help with the compounding effect there as well.\n\nThat is a lot to go through when you're not looking at the document, and I fully understand that. Do you have any questions at all? No. You're fine, honestly. When you do happen to have a look at the document, page number 20 outlines essentially what the buyers and sales look like.\n\nThe reds are buy sells, the greens are are buyers, and the very last column essentially shows you where you'll see all of your super invested once we make those changes there for you. So a lot of the reasoning behind the changes, as I kinda went through before, I do look at the capital gains consequences for making the changes there. Obviously, I wanted to limit those as much as possible, and I was able to work out by making these switches within your portfolio. Your super fund has no capital gains consequences, so we're utilizing the underperformance of some of the investments to complete the switches and to essentially limit or completely reduce the capital gains consequences. So we can make those changes within your portfolio and switch the investments, and there's no CDT consequences to your super fund to take into account, which is a positive.\n\nYeah. The other side of that is the investment fees. So we're not removing you out of hub twenty four. So there's no change to the admin fees there. However, this newer portfolio is cheaper.\n\nSo it's expected to save you $294 on for the first year on investment fees. So it's less money being paid out in fees, more money stays in your super working harder for you. The other thing that I looked at is the five year rolling average. So the current portfolio has averaged about 9.24% when we kinda look at the research data. This newer portfolio over the past five years has averaged about 10.53%.\n\nSo, realistically, if this newer portfolio can do what it has done over the next sort of five years, offer saving in fees and no CGT consequences, it can essentially put you in a much greater position moving forward. So it's essentially weighing up no CGT consequences, a better performing portfolio, and a cheaper portfolio, and what that can do for you over the next five to ten years, and it does show it puts you in a better position long term. So that's essentially why I made that recommendation there. Does that all make sense? Do you have any questions?\n\nYou're welcome to let me know if you do. Beautiful. The other thing that we sort of talked about was the income protection side of things. So we did a bit of a pre assessment with you. We are just retaining your life and TBD as it is, but we are recommending that we do increase your income protection in line with your income needs.\n\nSo just making sure that you have the most income protection cover so that if in the event you were to need to claim on the policy, that we could cover as much of your expenses as absolutely possible. Under your current income, it means that you'd be applying for a monthly benefit of 7,583. It's an increase to the policy. We're still keeping a thirty day waiting period and a five year benefit period, so no change that at all. It is structured and linked to your current life and TBT policies.\n\nNo change there. And, essentially, when we look at the difference so your current policy sorry, is costing about $1,043.40 there with the newer policy, obviously, increasing your life and increasing your income protection. The amount, it's essentially doubling the policy. So the yearly premium is expected to be about $2,083. It is increasing the cost by 1,040 for the year.\n\nSo the main sort of reason that was a thing was when we kind of went back and reviewed your pre assessments and went out to the market to see how that would be assessed. They are essentially looking at a left knee exclusion because of your previous injury. You do have smoker rates in the policy as a smoker. They are adding an exclusion for your secondary occupation because you are doing two jobs. They'll cover your main and primary occupation, but they won't cover your secondary occupation, unfortunately.\n\nAnd they are adding a 50% loading onto the policy as well. These all can be reviewable down the time. It's just all about sort of what they reviewed upfront and how they assess the risk of the insurance. It is still preferred to put that in place because it gives you a higher level of cover. It's just that the only thing that really affects is the knee exclusion and the secondary occupation there.\n\nDoes that all make sense? Do you have any questions? No. Beautiful. And one of the things to sort of look at is with these exclusions and loadings, they are kind of all generally reviewable down the track.\n\nAs soon as we can review them, we do. The other thing we sort of wanna look at is we intend to need a higher level of cover now. We're also building super paying down debts and building our savings and portfolios and things. But as we get older, we should be able to reduce the level of cover back a little bit as well. So we'll make sure to review the cover with you on a regular basis and make sure to make updates to that as needed as well.\n\nSo yeah. Easy. Yeah. Mhmm. It really just depends upon how how long ago it started and whether you've had ongoing issues with it.\n\nSo if you have any pain, or have had treatment or had any symptoms around that issue, then they, would probably not assess it. Normally, they like about sort of three to five years symptom or injury you know, pain free, essentially. But if this is also just sort of based on what we have at the moment. So what'll actually happen is we'll go through the application with you. It will go through to the underwriters.\n\nSo we're kind of showing you worst case scenario. They'll go through the application. They'll assess the risk level. They'll probably ask for doctor's reports as well. If they look at that knee the knee issue, they go, hey.\n\nLook. This was a long time ago. There's nothing on doctor's records that have shown that there's ongoing issues or pain. It's not affecting your day to day life, and they may not have that knee exclusion on there. It's just based on the information we have, this is what we can assess it as, And we're essentially showing you worst case worst case scenario for the exclusions and load ins so that you're kind of prepared going into the application, but it all comes down to how the underwriter assess it.\n\nWe can also do and I have done in the past with clients when we go through the underwriting, if it comes back and they have the knee exclusion there, I tend to also find out what exactly do they want in order to have that removed. And if it's the case of going back to the doctor, having it assessed, or getting some sort of letter from your doctor to show you've had no issues, not been off work, you know, there's no ongoing pain, and there's nothing causing you to have any further issues to the knee, then they may be able to reassess it then. So that's just another thing that I sorta had clients go back and do, see the doctor get this reassessed, and then we kind of have it removed. It is a possibility. It's not a guarantee, but it is a possibility.\n\nSo when when the, exclusions and loadings come through after the full assessment, then we tend to go back and find out what with what they wanna know, when can it be reviewed, what they'll need to have it reviewed. And we ask all those questions so we know, moving forward, how the how the policy can be assessed to, you know, assist. The other side of it is it's only on the increase. So any loadings or exclusions that like, at the moment, your previous policy, there's really nothing noted. They're only gonna assess the increased components.\n\nSo your current policy will stay exactly as it is, and the loadings, exclusions, any changes to your health only affect the increased portion of the policy. Does that make sense? Yeah. Yeah. Beautiful.\n\nSo I just wanted to be open and honest and let you know that's essentially how they're gonna assess that to start with. It could be very different depending on how the outcome of the poll of the application there. But we'll always go back and ask the questions, ask them to you know, when it can be assessed, how it's assessed, what they need to do. So and when it can be assessed, we'll definitely make sure we do look at that for you. We don't ever want you to have loadings and exclusions beyond the point that you really need to have them on the policy because we do know loadings make the policy more expensive, and exclusions essentially are where you're not able to claim on the policy for a certain aspect.\n\nSo we just wanna make sure that we're open and honest and show you what the expectation is based on the risk that has been assessed with the insurers directly. Yeah. Oh, absolutely. No. No.\n\nAbsolutely. And, I mean, realistically, if you've had that kind of injury or illness in the past, it might be something, you know, with what you do for work that you might actually need to claim on. So when and if it can be assessed, I completely understand. And it's fine. No.\n\nIt's a great question, actually. I encourage everyone to ask as many questions as possible because, realistically, knowing that does give you kind of an idea of, you know, if you twelve months, they might just reassess it if they say, hey. Look. We'll put it on for now. But in twelve months' time, if you had no pain, no time off work, and not needed any medication, you know, to assist with the the pain of that, then we might reassess it.\n\nSo it's always worth asking those questions, and I ask those questions of insurance before they put an application in force every single time. So absolutely fine. Yeah. Oh, good. The only other thing there is just with regards to the beneficiary side of things, so just making sure we have those updated.\n\nI will get on to my team to make sure those beneficiaries are sent out, and we have those all pre filled with Courtney's details there for you. Just making sure that everything is correct and and set up in place for yourself there. I know it is a lot when you're not looking at the documents. Do you have any other questions or anything you want me to clarify? I'm so sorry, Richard.\n\nYeah. Beautiful. Fantastic. Lovely. I always try to go as easy as possible.\n\nThere's certain things I have to hit, like, certain points I've gotta sort of touch on, but I always try not to feel like I'm talking at you. It's the worst thing in the world. You're probably looking at sitting in traffic too, trying to navigate and drive and pay attention. Yeah. Absolutely.\n\nYeah. Definitely. What kind of audiobooks are you into these days? What's the okay. Nice.\n\nYes. Yeah. I love that. That's fantastic. No.\n\nThat's awesome. Beautiful. Well, I have sent the email there to you. So you've got your statement of advice in your emails. We also have attached the financial services guide, the appendices with the research conducted.\n\nAnd depending on how much reading you enjoy doing, I've also got the product disclosure statements for Hub twenty four and ClearViews. You're welcome to run your eyes over that. In the recommendations which I've outlined in the document, we've also got the risks, advantages, disadvantages. I run through some of those with you, but there's quite an extensive range in there for you to run your eyes over. And then we also have the best interest duties.\n\nSo any advice we do provide is linked back to your goals and noted in the in its best interest and how it's in your best interest to follow through with the recommendations there. But once you've kinda read through it, if there's any questions that come out of that, you're welcome to let me know. And if you kinda go through it, you're just happy to take on the advice. We'll just get you to sign and return that one back there for us. Okay?\n\nEasy. Thank you so much. Well, that's everything I needed to touch on, but thank you so much for your time. I hope you get home soon and can put your feet up. Oh, bless you.\n\nLook. I've got another probably half an hour or a bit longer at work. I finish at six tonight, and then I drive another forty minutes home. So I I understand that. Yep.\n\nAbsolutely. Absolutely. I don't know about you, but I find that my sitting in traffic is kind of my time. I can listen to a book or listen to, you know, something and just zone out for a little while and just have quiet. That's probably the nicest part of my day, just sitting in silence and listen to music or a podcast or a book or something.\n\nYeah. Absolutely. No. Beautiful. Well, look.\n\nDrive safe. Get home safely, and let me know if there's any questions that yeah. It looks thank you so much for allowing me to put this together. I've really enjoyed doing the research for you. You too.\n\nThanks, Richard. I'll let you go. You have a lovely evening. Thanks. See you later.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hi, Richard.","start":3.4399998,"end":4.08,"sentiment":"neutral","sentiment_score":0.17245562374591827},{"text":"It's Dana from Okey Financial.","start":4.08,"end":5.7,"sentiment":"neutral","sentiment_score":0.21167289912700654},{"text":"How are you this afternoon?","start":5.8399997,"end":6.98,"sentiment":"neutral","sentiment_score":0.25811405181884767},{"text":"I'm very well.","start":9.2,"end":9.92,"sentiment":"positive","sentiment_score":0.6461407939592997},{"text":"Thank you.","start":9.92,"end":10.32,"sentiment":"positive","sentiment_score":0.7056351006031036}],"sentiment":"positive","sentiment_score":0.35550226972383614,"num_words":17,"start":3.4399998,"end":10.32},{"sentences":[{"text":"Thanks for asking.","start":10.32,"end":11.28,"sentiment":"positive","sentiment_score":0.6736884713172913},{"text":"I had you booked in to go through your updated statement of advice.","start":11.28,"end":14.575,"sentiment":"neutral","sentiment_score":0.27635968877718997},{"text":"Is now still a good time there for you?","start":14.575,"end":16.515,"sentiment":"neutral","sentiment_score":0.2502743336889479},{"text":"Oh, no.","start":20.815,"end":21.535,"sentiment":"neutral","sentiment_score":-0.05050674267113209},{"text":"No.","start":21.535,"end":21.935,"sentiment":"neutral","sentiment_score":-0.05412286892533302}],"sentiment":"neutral","sentiment_score":0.2753955006067242,"num_words":28,"start":10.32,"end":21.935},{"sentences":[{"text":"That's okay.","start":21.935,"end":22.835,"sentiment":"neutral","sentiment_score":0.01501568904495798},{"text":"I normally do send the document through to you there.","start":23.375,"end":26.015,"sentiment":"neutral","sentiment_score":0.023200171627104284},{"text":"Obviously, you can't read it because you are driving.","start":26.015,"end":28.095001,"sentiment":"neutral","sentiment_score":-0.03594216725064649},{"text":"Are you comfortable with me just running through the recommendations as easily as I possibly can, and then allow you to go back and review it later?","start":28.095001,"end":35.39,"sentiment":"neutral","sentiment_score":0.04558772604084677},{"text":"Is that okay?","start":35.39,"end":36.190002,"sentiment":"neutral","sentiment_score":0.06722986573974292}],"sentiment":"neutral","sentiment_score":0.026884544890730038,"num_words":51,"start":21.935,"end":36.190002},{"sentences":[{"text":"Yeah.","start":36.190002,"end":36.690002,"sentiment":"neutral","sentiment_score":0.09736420214176178},{"text":"Fantastic.","start":38.190002,"end":38.690002,"sentiment":"positive","sentiment_score":0.6554219722747803},{"text":"That's not a problem at all.","start":38.91,"end":40.11,"sentiment":"positive","sentiment_score":0.4732828388611476},{"text":"I'll just start by sending it through so it is there when you are able to when you get home and you've got some time to run through it there.","start":40.11,"end":45.825,"sentiment":"neutral","sentiment_score":0.30947405298550923},{"text":"Once you do sort of receive the document, please go through.","start":46.385002,"end":49.185,"sentiment":"neutral","sentiment_score":0.10963922197168524}],"sentiment":"neutral","sentiment_score":0.2874027803844335,"num_words":49,"start":36.190002,"end":49.185},{"sentences":[{"text":"Have a bit of a read of it.","start":49.185,"end":50.625,"sentiment":"neutral","sentiment_score":0.15617432352155447},{"text":"Let me know if there are any additional questions there, and if you're happy to take on the recommendations or just get the sign and return it back there for me.","start":50.625,"end":57.505,"sentiment":"neutral","sentiment_score":0.12782307606070273},{"text":"Okay?","start":57.505,"end":58.005,"sentiment":"neutral","sentiment_score":0.045453473925590515},{"text":"Excellent.","start":59.210003,"end":59.710003,"sentiment":"positive","sentiment_score":0.5327927470207214},{"text":"Fantastic.","start":59.93,"end":60.43,"sentiment":"positive","sentiment_score":0.544945478439331}],"sentiment":"neutral","sentiment_score":0.15083575346285388,"num_words":42,"start":49.185,"end":60.43},{"sentences":[{"text":"Before I jump in and start going to this, I do have to let you know, moving forward, our calls are recorded for training and quality purposes.","start":60.65,"end":66.270004,"sentiment":"neutral","sentiment_score":0.16364033106300566},{"text":"Are you happy for me to proceed with that?","start":66.33,"end":68.43,"sentiment":"neutral","sentiment_score":0.15477726029025185},{"text":"Fantastic.","start":70.17,"end":70.65,"sentiment":"positive","sentiment_score":0.4568614959716797},{"text":"And I'll just do a quick security check there for you.","start":70.65,"end":72.65,"sentiment":"neutral","sentiment_score":0.22911117564548145},{"text":"So to confirm your full name, your date of birth, and address I should have on file.","start":72.65,"end":76.425,"sentiment":"neutral","sentiment_score":0.14842268868404276}],"sentiment":"neutral","sentiment_score":0.17402391410790957,"num_words":65,"start":60.65,"end":76.425},{"sentences":[{"text":"Beautiful.","start":82.885,"end":83.385,"sentiment":"positive","sentiment_score":0.48137882351875305},{"text":"Thank you so much for that.","start":83.525,"end":85.065,"sentiment":"positive","sentiment_score":0.6157559156417847},{"text":"Richard, when you do see the document there, on the front page, it does have your name.","start":85.439995,"end":89.28,"sentiment":"neutral","sentiment_score":0.17508331423296647},{"text":"It's also got my license number.","start":89.28,"end":90.88,"sentiment":"neutral","sentiment_score":0.13252801075577736},{"text":"So I'm a licensed financial adviser registered with ASIC, and my registration number is 130 sorry.","start":90.88,"end":96.0,"sentiment":"neutral","sentiment_score":0.10184050165116787}],"sentiment":"neutral","sentiment_score":0.20819449457137482,"num_words":46,"start":82.885,"end":96.0},{"sentences":[{"text":"1304394.","start":96.0,"end":97.939995,"sentiment":"neutral","sentiment_score":0.014528014697134497},{"text":"The areas with regard to this advice, it sort of came off the back of your annual review there.","start":98.725,"end":102.325,"sentiment":"neutral","sentiment_score":-0.02944951014299142},{"text":"So we're looking at superannuation.","start":102.325,"end":103.545,"sentiment":"neutral","sentiment_score":-0.0017118061892688274},{"text":"You're sort of tracking to try and access super about the age of 65, and we had noted there was some underperforming investments.","start":104.16499,"end":109.765,"sentiment":"neutral","sentiment_score":-0.018527461641022692},{"text":"So we wanted to kinda go back and review those and have those updated there for you as well.","start":109.765,"end":114.42,"sentiment":"neutral","sentiment_score":0.03513310604581708}],"sentiment":"neutral","sentiment_score":-0.004659318087149912,"num_words":67,"start":96.0,"end":114.42},{"sentences":[{"text":"We were also looking at the insurance aspect.","start":115.520004,"end":118.0,"sentiment":"neutral","sentiment_score":-0.006537342211231589},{"text":"So you were happy with your life and TBD, but your income had changed slightly.","start":118.0,"end":121.92,"sentiment":"neutral","sentiment_score":0.06790164311726889},{"text":"So we were looking at increasing your income protection to keep you in line with being able to claim the maximum seven 70% if you were off work due to illness or injury.","start":121.92,"end":130.395,"sentiment":"neutral","sentiment_score":0.08102955894939827},{"text":"Does that still sound fairly appropriate for you?","start":130.395,"end":132.895,"sentiment":"neutral","sentiment_score":0.08543845266103745},{"text":"Yep.","start":134.555,"end":135.055,"sentiment":"neutral","sentiment_score":0.3219248056411743}],"sentiment":"neutral","sentiment_score":0.07147128894351996,"num_words":65,"start":115.520004,"end":135.055},{"sentences":[{"text":"Beautiful.","start":135.115,"end":135.615,"sentiment":"positive","sentiment_score":0.6293561458587646},{"text":"And then I've also just scoped in the beneficiary side things as well, just making sure that your beneficiaries are up to date.","start":135.995,"end":141.84,"sentiment":"neutral","sentiment_score":0.2773126551638479},{"text":"I can see that my team is yet to post those out to you, but I will make sure they are completed this week for you as well.","start":142.06,"end":149.5,"sentiment":"neutral","sentiment_score":0.2244066223502159},{"text":"Okay?","start":149.5,"end":150.0,"sentiment":"neutral","sentiment_score":0.10608147829771042},{"text":"Fantastic.","start":151.815,"end":152.315,"sentiment":"positive","sentiment_score":0.592639684677124}],"sentiment":"neutral","sentiment_score":0.25906766302607676,"num_words":54,"start":135.115,"end":152.315},{"sentences":[{"text":"Essentially, with regard to the recommendations there, sir, I did go back and have a bit of a look at your super as well as looking at any other funds out there just to sort of make sure that you were in the correct fund, see if there was any sort of reason to change out of the fund there.","start":153.575,"end":166.65,"sentiment":"neutral","sentiment_score":0.015547263498107592},{"text":"There isn't at the moment, so I am recommending you do retain hub twenty four for the time being.","start":166.81,"end":171.39,"sentiment":"neutral","sentiment_score":-0.11135296562784597},{"text":"Essentially, one of the things I do look at when I am recommending whether to change a a platform or a super fund is essentially the capital gains consequences there.","start":171.53,"end":180.735,"sentiment":"neutral","sentiment_score":-0.07359685574968657},{"text":"One of the things I did sorta notice was that if we had to sell down your whole portfolio and move you to another fund, we would have triggered a full sell down and a CTT for approximately $3,085.","start":181.05501,"end":192.255,"sentiment":"neutral","sentiment_score":-0.12358835664315101},{"text":"So we do try to retain and limit the amount of tax consequences on your super fund because the more tax that is paid, the less your balance is and the harder it can be to kind of obtain that money back there.","start":192.255,"end":204.74,"sentiment":"neutral","sentiment_score":-0.16851213019947672}],"sentiment":"neutral","sentiment_score":-0.08092535977588274,"num_words":191,"start":153.575,"end":204.74},{"sentences":[{"text":"So I am recommending that that we do keep your super fund exactly as it is within HUB twenty four, and we just switch the investments.","start":204.74,"end":212.365,"sentiment":"neutral","sentiment_score":0.14784064827164492},{"text":"Essentially, Hub twenty four does actually have over a thousand investments to sort of choose from.","start":212.82501,"end":218.66501,"sentiment":"neutral","sentiment_score":0.2532904497347772},{"text":"So we do have a lot of different investments that we can sort of switch you into.","start":218.66501,"end":222.205,"sentiment":"positive","sentiment_score":0.3845968395471573},{"text":"So it is still one of the better funds out there.","start":222.505,"end":225.005,"sentiment":"positive","sentiment_score":0.6268475380810824},{"text":"When I am looking to change the investments, essentially, what I'm looking to do is we talked about how the bank hybrids are to be essentially phased out down the track there.","start":226.53,"end":235.35,"sentiment":"neutral","sentiment_score":0.08670744765549898}],"sentiment":"neutral","sentiment_score":0.23631972124498776,"num_words":102,"start":204.74,"end":235.35},{"sentences":[{"text":"So I am recommending we sell those down to zero.","start":235.41,"end":237.97,"sentiment":"neutral","sentiment_score":0.017524898052215576},{"text":"We'll place them as a defensive investment.","start":237.97,"end":240.145,"sentiment":"neutral","sentiment_score":0.21526340501649038},{"text":"It's better while we are making changes now to make all the changes rather than some now and then some down the track when we have to later on.","start":240.52501,"end":248.30501,"sentiment":"neutral","sentiment_score":0.18383387835889026},{"text":"You've got the global agriculture in there.","start":249.005,"end":251.24501,"sentiment":"neutral","sentiment_score":0.051664158169712336},{"text":"Hasn't done too bad, but I am looking to sell that down completely as well.","start":251.24501,"end":255.09,"sentiment":"neutral","sentiment_score":-0.0922965464492639}],"sentiment":"neutral","sentiment_score":0.08809523821315345,"num_words":68,"start":235.41,"end":255.09},{"sentences":[{"text":"You do also have some physical gold within your portfolio.","start":255.55,"end":258.29,"sentiment":"neutral","sentiment_score":0.19109531342983246},{"text":"Physical gold has done really, really well.","start":258.51,"end":260.85,"sentiment":"positive","sentiment_score":0.4303208461829594},{"text":"We only wanna hold about 8%.","start":261.07,"end":262.83,"sentiment":"neutral","sentiment_score":0.1532528114815553},{"text":"So you do have currently have 15.50%.","start":262.83,"end":265.88998,"sentiment":"neutral","sentiment_score":0.16150757244655065},{"text":"You are a bit overweighted in physical gold, so we're gonna rebalance your portfolio back there and just sell some of that.","start":266.16498,"end":272.26498,"sentiment":"neutral","sentiment_score":0.08115927553312345}],"sentiment":"neutral","sentiment_score":0.1684379422177489,"num_words":52,"start":255.55,"end":272.26498},{"sentences":[{"text":"That essentially cements the gain that's being made, and we can redistribute that across the rest of your portfolio there as well.","start":272.565,"end":279.065,"sentiment":"positive","sentiment_score":0.3646814978935502},{"text":"You do have some cybersecurity.","start":280.59,"end":282.05,"sentiment":"neutral","sentiment_score":0.08353772759437561},{"text":"Has been a bit up and down this year, but overall has been doing very, very well.","start":282.59,"end":286.61,"sentiment":"neutral","sentiment_score":0.10521553675918018},{"text":"Cybersecurity is still a place we wanna keep invested in your portfolio there.","start":286.83,"end":290.75,"sentiment":"neutral","sentiment_score":0.09517556543533619},{"text":"So we only wanna hold about 5%.","start":290.75,"end":293.06998,"sentiment":"neutral","sentiment_score":0.026690203696489334}],"sentiment":"neutral","sentiment_score":0.1820853045792319,"num_words":64,"start":272.565,"end":293.06998},{"sentences":[{"text":"You've got a bit over six percent there at the moment.","start":293.06998,"end":295.39502,"sentiment":"neutral","sentiment_score":0.04807830398732966},{"text":"So it's about just rebalancing your portfolio back and selling some of that.","start":295.45502,"end":299.075,"sentiment":"neutral","sentiment_score":0.06113069103314327},{"text":"We wanna keep the S and P 500 to keep access to The US market there.","start":299.695,"end":303.935,"sentiment":"neutral","sentiment_score":0.16784593695774674},{"text":"You've got so we wanna hold 20%.","start":303.935,"end":305.935,"sentiment":"neutral","sentiment_score":0.12383416720799037},{"text":"You currently have 28.40.","start":305.935,"end":308.415,"sentiment":"neutral","sentiment_score":0.07489769533276558}],"sentiment":"neutral","sentiment_score":0.10148088765494964,"num_words":51,"start":293.06998,"end":308.415},{"sentences":[{"text":"So we're gonna rebalance sell some of that to sort of bring you down to 20% then.","start":308.415,"end":313.25,"sentiment":"neutral","sentiment_score":0.13955183371024973},{"text":"We are also keeping the beta shares Rafi 200.","start":314.19,"end":317.79,"sentiment":"neutral","sentiment_score":0.25551474425527787},{"text":"So giving you exposure to some of the top 200 companies on the ASX there.","start":317.79,"end":321.885,"sentiment":"neutral","sentiment_score":0.2473283141851425},{"text":"You've essentially got 15 we wanna hold 15%.","start":322.445,"end":325.405,"sentiment":"neutral","sentiment_score":0.16262288205325603},{"text":"You've got about 18 in your portfolio at the moment.","start":325.405,"end":327.725,"sentiment":"neutral","sentiment_score":0.08122549094259739}],"sentiment":"neutral","sentiment_score":0.1778843483051001,"num_words":59,"start":308.415,"end":327.725},{"sentences":[{"text":"So, again, it is just kind of reweighting the portfolio back.","start":327.725,"end":330.70502,"sentiment":"neutral","sentiment_score":-0.1909232410517606},{"text":"With the Van Along Australian Equities, we are getting rid of that completely.","start":331.725,"end":335.265,"sentiment":"neutral","sentiment_score":-0.269090304007897},{"text":"That is the one that's been underperforming as we kinda went through before.","start":335.64502,"end":339.08,"sentiment":"negative","sentiment_score":-0.46269160509109497},{"text":"So we are gonna sell that completely down and remove that from your portfolio and replace that to make sure you still have Australian equity exposure.","start":339.53998,"end":347.15997,"sentiment":"neutral","sentiment_score":-0.2332271755887912},{"text":"We've also got the ClearBridge infrastructure fund.","start":348.58,"end":349.82443,"sentiment":"neutral","sentiment_score":-0.07867812737822533}],"sentiment":"neutral","sentiment_score":-0.2603996275258916,"num_words":70,"start":327.725,"end":349.82443},{"sentences":[{"text":"So it has taken a little bit of a hit recently, has not done been within your portfolio.","start":349.82443,"end":356.04498,"sentiment":"negative","sentiment_score":-0.36545562909709084},{"text":"Essentially, it has been having a little bit of up and down with what's been occurring of the changes to legislation with regard to property there.","start":356.665,"end":363.54498,"sentiment":"negative","sentiment_score":-0.3713038174005655},{"text":"So I am recommending we remove that completely out of your portfolio and cement the gains that it has made.","start":363.54498,"end":368.87,"sentiment":"neutral","sentiment_score":-0.263720802590251},{"text":"Essentially, once we kinda to complete all of those sales and rebalance things back a little bit, what you will see in your portfolio is that at 8% in physical gold, 5% is cybersecurity, 20% invested in the S and P 500, so it's The US market.","start":370.28998,"end":385.27502,"sentiment":"neutral","sentiment_score":0.0854707695543766},{"text":"We'll keep 15% in the Rafi two 100, and we're also gonna invest 5% into the India quality ETF.","start":385.89502,"end":393.015,"sentiment":"neutral","sentiment_score":0.18492079447758825}],"sentiment":"neutral","sentiment_score":-0.10750688741413447,"num_words":130,"start":349.82443,"end":393.015},{"sentences":[{"text":"So India has seen some really good gains, and we do wanna keep a bit of exposure in that area.","start":393.015,"end":398.02,"sentiment":"positive","sentiment_score":0.3724712699651718},{"text":"So we'll add 5% into the India market.","start":398.02,"end":400.6,"sentiment":"neutral","sentiment_score":0.2590538188815117},{"text":"Global Healthcare has seen some good gains, and it is still a place we wanna, you know, stay in or be invested, essentially.","start":401.3,"end":407.56,"sentiment":"positive","sentiment_score":0.3338368658138358},{"text":"So we're gonna have about 4% in the Global Healthcare.","start":408.025,"end":411.16498,"sentiment":"neutral","sentiment_score":0.3000818699598312},{"text":"Again, it's giving you diversification, so we're looking globally for that investment there as well.","start":411.22498,"end":416.04498,"sentiment":"neutral","sentiment_score":0.3230419864257177}],"sentiment":"neutral","sentiment_score":0.32955989947444514,"num_words":76,"start":393.015,"end":416.04498},{"sentences":[{"text":"And then because we are removing, essentially, the ban along Australian equities, we're investing 10% into the beta shares a 200.","start":416.345,"end":424.04,"sentiment":"neutral","sentiment_score":0.1411379316732997},{"text":"This is essentially a passively managed fund.","start":424.66,"end":428.41998,"sentiment":"neutral","sentiment_score":0.2466822096279689},{"text":"It's helping to track some of the top 200 companies on the ASX.","start":428.41998,"end":431.8,"sentiment":"neutral","sentiment_score":0.3300482023220796},{"text":"We have that plus the Raffy that is giving you essentially 400 the top 400 companies on the ASX there.","start":431.94,"end":439.535,"sentiment":"neutral","sentiment_score":0.2748539574444294},{"text":"It's not technically overweighting the portfolio by Australian equities.","start":439.995,"end":443.515,"sentiment":"neutral","sentiment_score":0.054923877120018005}],"sentiment":"neutral","sentiment_score":0.213895610081298,"num_words":70,"start":416.345,"end":443.515},{"sentences":[{"text":"It is diversifying quite heavily.","start":443.515,"end":445.195,"sentiment":"neutral","sentiment_score":0.26345321983098985},{"text":"The Rafi also encompasses some mid cap there as well, so it is a positive sign for you.","start":445.195,"end":449.935,"sentiment":"positive","sentiment_score":0.5582124524646335},{"text":"But, essentially, we wanna see about 25% in the Australian equity space, and this is where that's giving you access and exposure.","start":450.155,"end":456.19,"sentiment":"positive","sentiment_score":0.3761797310276465},{"text":"By keeping the Raffy and having the a 200 there and removing that along, we're also increasing your diversification in your portfolio.","start":456.97,"end":463.87,"sentiment":"positive","sentiment_score":0.50719607824629},{"text":"So it's helping to lower your overall risk of the portfolio there as well, which is a positive thing.","start":463.93,"end":469.705,"sentiment":"positive","sentiment_score":0.6838466242740029}],"sentiment":"positive","sentiment_score":0.5092144640552443,"num_words":86,"start":443.515,"end":469.705},{"sentences":[{"text":"We also got the JPMorgan Global Research Enhanced Equity Fund.","start":471.60498,"end":475.625,"sentiment":"neutral","sentiment_score":0.2387975886464119},{"text":"It's a long name.","start":475.685,"end":476.82498,"sentiment":"neutral","sentiment_score":0.18476847931742668},{"text":"Essentially, we're gonna add 15% exposure into that.","start":477.285,"end":481.125,"sentiment":"neutral","sentiment_score":0.19255360402166843},{"text":"That is a little bit of an actively managed fund.","start":481.125,"end":483.91998,"sentiment":"neutral","sentiment_score":0.21950918585062026},{"text":"It is mostly passive.","start":483.91998,"end":485.12,"sentiment":"neutral","sentiment_score":0.19069823250174522}],"sentiment":"neutral","sentiment_score":0.21181565067834324,"num_words":36,"start":471.60498,"end":485.12},{"sentences":[{"text":"It's a low cost fund, but it utilizes JPMorgan's research team to find areas globally for where they want to maybe add a little bit of additional growth or be invested in.","start":485.12,"end":496.34,"sentiment":"neutral","sentiment_score":0.19721961673349142},{"text":"JB and Morgan's research team has been around forever.","start":496.715,"end":499.19498,"sentiment":"neutral","sentiment_score":0.2571993072827657},{"text":"They are a really great team.","start":499.19498,"end":500.47498,"sentiment":"positive","sentiment_score":0.6654974023501078},{"text":"They have some really great researchers there, and they do very well as a whole.","start":500.47498,"end":504.63498,"sentiment":"positive","sentiment_score":0.5091629525025686},{"text":"So it's about because you're younger, you can take a little bit have a little bit of active management in your portfolio.","start":504.63498,"end":510.41498,"sentiment":"neutral","sentiment_score":0.2118634364821694}],"sentiment":"neutral","sentiment_score":0.2966338786340895,"num_words":84,"start":485.12,"end":510.41498},{"sentences":[{"text":"We wanted to keep this here to give you that little bit of active management, but also try and make the portfolio as cheap as possible.","start":510.47498,"end":516.8,"sentiment":"neutral","sentiment_score":0.2022606415244249},{"text":"Does that all make sense so far?","start":516.86,"end":518.56,"sentiment":"neutral","sentiment_score":0.11782609564917428},{"text":"Yep.","start":519.98,"end":520.38,"sentiment":"neutral","sentiment_score":0.2490508258342743},{"text":"Beautiful.","start":520.38,"end":520.88,"sentiment":"positive","sentiment_score":0.4537788927555084},{"text":"And then defensive investment.","start":521.02,"end":522.62,"sentiment":"neutral","sentiment_score":0.19227303937077522}],"sentiment":"neutral","sentiment_score":0.19373028782697824,"num_words":39,"start":510.47498,"end":522.62},{"sentences":[{"text":"So you are in that growth environment.","start":522.62,"end":524.32,"sentiment":"neutral","sentiment_score":0.13795260339975357},{"text":"So that's a 8020 split that we went through last time.","start":524.45996,"end":527.88495,"sentiment":"neutral","sentiment_score":0.15011662515726956},{"text":"So we do wanna keep about 20% in defensive low risk investments.","start":527.88495,"end":531.64496,"sentiment":"neutral","sentiment_score":0.16551865823566914},{"text":"So we're keeping in there the iShield e sorry.","start":531.64496,"end":534.285,"sentiment":"neutral","sentiment_score":0.1251971481574906},{"text":"I iShares Yield Plus.","start":534.285,"end":536.225,"sentiment":"neutral","sentiment_score":0.19797943159937859}],"sentiment":"neutral","sentiment_score":0.15167132695746977,"num_words":43,"start":522.62,"end":536.225},{"sentences":[{"text":"It's giving you access to fixed interest and high it's sort of looking at things that pay really good dividends and high yields to income producing and then core composite bonds.","start":536.685,"end":546.33997,"sentiment":"neutral","sentiment_score":0.301699104808992},{"text":"They're giving you access to government and corporate bonds.","start":546.33997,"end":549.46,"sentiment":"neutral","sentiment_score":0.2672627468903859},{"text":"It also does have some global exposure into notes and fixed interest there as well.","start":549.46,"end":554.065,"sentiment":"neutral","sentiment_score":0.19520599742730457},{"text":"So those two investments are more about having a little bit of low risk investing, having some defensive assets, income production as well because income is something we wanna see in happening.","start":554.065,"end":564.625,"sentiment":"neutral","sentiment_score":0.2887804617639631},{"text":"We wanna see income being produced out of your investments, paid into your cash account, which can be redistributed across your portfolio, and that does help with the compounding effect there as well.","start":564.625,"end":574.81,"sentiment":"positive","sentiment_score":0.42788793688470667}],"sentiment":"neutral","sentiment_score":0.3170616968845328,"num_words":120,"start":536.685,"end":574.81},{"sentences":[{"text":"That is a lot to go through when you're not looking at the document, and I fully understand that.","start":575.51,"end":580.065,"sentiment":"neutral","sentiment_score":-0.1958478148046293},{"text":"Do you have any questions at all?","start":580.305,"end":582.165,"sentiment":"neutral","sentiment_score":-0.243497405733381},{"text":"No.","start":585.825,"end":586.065,"sentiment":"neutral","sentiment_score":-0.1053972989320755},{"text":"You're fine, honestly.","start":586.065,"end":587.205,"sentiment":"neutral","sentiment_score":0.0634879320859909},{"text":"When you do happen to have a look at the document, page number 20 outlines essentially what the buyers and sales look like.","start":587.985,"end":593.34503,"sentiment":"neutral","sentiment_score":0.15304011721973834}],"sentiment":"neutral","sentiment_score":-0.03435096468003291,"num_words":53,"start":575.51,"end":593.34503},{"sentences":[{"text":"The reds are buy sells, the greens are are buyers, and the very last column essentially shows you where you'll see all of your super invested once we make those changes there for you.","start":593.34503,"end":602.98,"sentiment":"neutral","sentiment_score":0.2332268567646251},{"text":"So a lot of the reasoning behind the changes, as I kinda went through before, I do look at the capital gains consequences for making the changes there.","start":603.68,"end":611.54,"sentiment":"neutral","sentiment_score":0.19557037098067148},{"text":"Obviously, I wanted to limit those as much as possible, and I was able to work out by making these switches within your portfolio.","start":612.135,"end":618.315,"sentiment":"positive","sentiment_score":0.3558834008872509},{"text":"Your super fund has no capital gains consequences, so we're utilizing the underperformance of some of the investments to complete the switches and to essentially limit or completely reduce the capital gains consequences.","start":618.85504,"end":632.3,"sentiment":"neutral","sentiment_score":0.3058612035079436},{"text":"So we can make those changes within your portfolio and switch the investments, and there's no CDT consequences to your super fund to take into account, which is a positive.","start":632.44,"end":641.26,"sentiment":"positive","sentiment_score":0.603017004330953}],"sentiment":"positive","sentiment_score":0.3364484227143678,"num_words":149,"start":593.34503,"end":641.26},{"sentences":[{"text":"Yeah.","start":644.445,"end":644.60504,"sentiment":"neutral","sentiment_score":0.2852320671081543},{"text":"The other side of that is the investment fees.","start":644.60504,"end":646.765,"sentiment":"neutral","sentiment_score":0.17895193066861895},{"text":"So we're not removing you out of hub twenty four.","start":646.765,"end":649.565,"sentiment":"neutral","sentiment_score":0.21882660537958146},{"text":"So there's no change to the admin fees there.","start":649.565,"end":651.745,"sentiment":"neutral","sentiment_score":0.19191444168488184},{"text":"However, this newer portfolio is cheaper.","start":651.80505,"end":653.885,"sentiment":"positive","sentiment_score":0.46921466290950775}],"sentiment":"neutral","sentiment_score":0.24647381284407208,"num_words":35,"start":644.445,"end":653.885},{"sentences":[{"text":"So it's expected to save you $294 on for the first year on investment fees.","start":653.885,"end":660.18,"sentiment":"positive","sentiment_score":0.6597122609615326},{"text":"So it's less money being paid out in fees, more money stays in your super working harder for you.","start":660.18,"end":665.24,"sentiment":"positive","sentiment_score":0.5616704805901176},{"text":"The other thing that I looked at is the five year rolling average.","start":665.77997,"end":669.14,"sentiment":"neutral","sentiment_score":0.10399310233501288},{"text":"So the current portfolio has averaged about 9.24% when we kinda look at the research data.","start":669.14,"end":675.09503,"sentiment":"neutral","sentiment_score":0.12621323252096772},{"text":"This newer portfolio over the past five years has averaged about 10.53%.","start":675.315,"end":680.115,"sentiment":"neutral","sentiment_score":0.20368803556387624}],"sentiment":"positive","sentiment_score":0.35177335364123186,"num_words":75,"start":653.885,"end":680.115},{"sentences":[{"text":"So, realistically, if this newer portfolio can do what it has done over the next sort of five years, offer saving in fees and no CGT consequences, it can essentially put you in a much greater position moving forward.","start":680.115,"end":691.76,"sentiment":"positive","sentiment_score":0.5280322486009353},{"text":"So it's essentially weighing up no CGT consequences, a better performing portfolio, and a cheaper portfolio, and what that can do for you over the next five to ten years, and it does show it puts you in a better position long term.","start":691.76,"end":704.725,"sentiment":"positive","sentiment_score":0.5063519217940264},{"text":"So that's essentially why I made that recommendation there.","start":704.725,"end":707.845,"sentiment":"positive","sentiment_score":0.3533245076735814},{"text":"Does that all make sense?","start":707.845,"end":708.805,"sentiment":"neutral","sentiment_score":0.2437784492969513},{"text":"Do you have any questions?","start":708.805,"end":709.845,"sentiment":"neutral","sentiment_score":0.10091490745544433}],"sentiment":"positive","sentiment_score":0.4680176008455824,"num_words":101,"start":680.115,"end":709.845},{"sentences":[{"text":"You're welcome to let me know if you do.","start":709.845,"end":711.70496,"sentiment":"neutral","sentiment_score":0.2852218730582131},{"text":"Beautiful.","start":714.70996,"end":715.20996,"sentiment":"positive","sentiment_score":0.6052488088607788},{"text":"The other thing that we sort of talked about was the income protection side of things.","start":716.31,"end":719.75,"sentiment":"neutral","sentiment_score":0.14781024912372231},{"text":"So we did a bit of a pre assessment with you.","start":719.75,"end":721.91,"sentiment":"neutral","sentiment_score":0.13290745968168433},{"text":"We are just retaining your life and TBD as it is, but we are recommending that we do increase your income protection in line with your income needs.","start":721.91,"end":729.805,"sentiment":"neutral","sentiment_score":0.1935440275285925}],"sentiment":"neutral","sentiment_score":0.1910526843025134,"num_words":65,"start":709.845,"end":729.805},{"sentences":[{"text":"So just making sure that you have the most income protection cover so that if in the event you were to need to claim on the policy, that we could cover as much of your expenses as absolutely possible.","start":729.805,"end":740.83,"sentiment":"neutral","sentiment_score":0.22432581965739912},{"text":"Under your current income, it means that you'd be applying for a monthly benefit of 7,583.","start":741.37,"end":747.55,"sentiment":"neutral","sentiment_score":0.09586169570684433},{"text":"It's an increase to the policy.","start":747.77,"end":749.47003,"sentiment":"neutral","sentiment_score":0.10541280855735143},{"text":"We're still keeping a thirty day waiting period and a five year benefit period, so no change that at all.","start":749.61,"end":754.885,"sentiment":"neutral","sentiment_score":0.15129058361053466},{"text":"It is structured and linked to your current life and TBT policies.","start":755.185,"end":758.385,"sentiment":"neutral","sentiment_score":0.15885699974993864}],"sentiment":"neutral","sentiment_score":0.1703985657903456,"num_words":93,"start":729.805,"end":758.385},{"sentences":[{"text":"No change there.","start":758.385,"end":759.445,"sentiment":"neutral","sentiment_score":-0.0011203810572624207},{"text":"And, essentially, when we look at the difference so your current policy sorry, is costing about $1,043.40 there with the newer policy, obviously, increasing your life and increasing your income protection.","start":759.82495,"end":774.6,"sentiment":"neutral","sentiment_score":0.07114221254784253},{"text":"The amount, it's essentially doubling the policy.","start":775.13995,"end":778.33997,"sentiment":"neutral","sentiment_score":0.04915164943252291},{"text":"So the yearly premium is expected to be about $2,083.","start":778.33997,"end":781.95996,"sentiment":"neutral","sentiment_score":-0.0064250299707055095},{"text":"It is increasing the cost by 1,040 for the year.","start":782.465,"end":785.905,"sentiment":"neutral","sentiment_score":-0.05046417117118836}],"sentiment":"neutral","sentiment_score":0.03241339312164021,"num_words":61,"start":758.385,"end":785.905},{"sentences":[{"text":"So the main sort of reason that was a thing was when we kind of went back and reviewed your pre assessments and went out to the market to see how that would be assessed.","start":785.905,"end":796.17,"sentiment":"neutral","sentiment_score":-0.08070933148264885},{"text":"They are essentially looking at a left knee exclusion because of your previous injury.","start":797.05,"end":802.58997,"sentiment":"neutral","sentiment_score":-0.16044758898871286},{"text":"You do have smoker rates in the policy as a smoker.","start":803.20996,"end":805.87,"sentiment":"neutral","sentiment_score":-0.170576158572327},{"text":"They are adding an exclusion for your secondary occupation because you are doing two jobs.","start":806.49,"end":812.195,"sentiment":"negative","sentiment_score":-0.3756459573904673},{"text":"They'll cover your main and primary occupation, but they won't cover your secondary occupation, unfortunately.","start":812.255,"end":818.755,"sentiment":"neutral","sentiment_score":-0.31308451990286507}],"sentiment":"neutral","sentiment_score":-0.19198208612700304,"num_words":90,"start":785.905,"end":818.755},{"sentences":[{"text":"And they are adding a 50% loading onto the policy as well.","start":820.975,"end":824.49,"sentiment":"neutral","sentiment_score":-0.09041384235024452},{"text":"These all can be reviewable down the time.","start":824.73,"end":826.73,"sentiment":"neutral","sentiment_score":0.03505722060799599},{"text":"It's just all about sort of what they reviewed upfront and how they assess the risk of the insurance.","start":826.73,"end":832.75,"sentiment":"neutral","sentiment_score":-0.05726439571988426},{"text":"It is still preferred to put that in place because it gives you a higher level of cover.","start":833.69,"end":838.58997,"sentiment":"neutral","sentiment_score":0.06402191188600329},{"text":"It's just that the only thing that really affects is the knee exclusion and the secondary occupation there.","start":838.745,"end":843.945,"sentiment":"neutral","sentiment_score":-0.23538638527194658}],"sentiment":"neutral","sentiment_score":-0.06636123177284996,"num_words":75,"start":820.975,"end":843.945},{"sentences":[{"text":"Does that all make sense?","start":843.945,"end":844.985,"sentiment":"neutral","sentiment_score":-0.011515902355313301},{"text":"Do you have any questions?","start":844.985,"end":846.285,"sentiment":"neutral","sentiment_score":0.0353436678647995},{"text":"No.","start":848.425,"end":848.925,"sentiment":"neutral","sentiment_score":-0.14536219835281372},{"text":"Beautiful.","start":849.38495,"end":849.88495,"sentiment":"neutral","sentiment_score":0.15907274186611176},{"text":"And one of the things to sort of look at is with these exclusions and loadings, they are kind of all generally reviewable down the track.","start":850.105,"end":857.19,"sentiment":"neutral","sentiment_score":-0.016536001832439348}],"sentiment":"neutral","sentiment_score":-0.007818070436386685,"num_words":38,"start":843.945,"end":857.19},{"sentences":[{"text":"As soon as we can review them, we do.","start":857.19,"end":859.21,"sentiment":"neutral","sentiment_score":0.09719536619053946},{"text":"The other thing we sort of wanna look at is we intend to need a higher level of cover now.","start":859.27,"end":863.43,"sentiment":"neutral","sentiment_score":-0.03337855469435454},{"text":"We're also building super paying down debts and building our savings and portfolios and things.","start":863.43,"end":868.47,"sentiment":"neutral","sentiment_score":0.09828869203726451},{"text":"But as we get older, we should be able to reduce the level of cover back a little bit as well.","start":868.47,"end":872.575,"sentiment":"neutral","sentiment_score":-0.058461877561750863},{"text":"So we'll make sure to review the cover with you on a regular basis and make sure to make updates to that as needed as well.","start":872.575,"end":880.03503,"sentiment":"neutral","sentiment_score":0.09049906237767293}],"sentiment":"neutral","sentiment_score":0.0308438876418622,"num_words":91,"start":857.19,"end":880.03503},{"sentences":[{"text":"So yeah.","start":880.655,"end":881.55505,"sentiment":"neutral","sentiment_score":-0.0008854148909449577},{"text":"Easy.","start":881.775,"end":882.275,"sentiment":"neutral","sentiment_score":-0.017304088920354843},{"text":"Yeah.","start":887.5,"end":888.0,"sentiment":"neutral","sentiment_score":-0.06874334812164307},{"text":"Mhmm.","start":889.1,"end":889.6,"sentiment":"neutral","sentiment_score":-0.07002750039100647},{"text":"It really just depends upon how how long ago it started and whether you've had ongoing issues with it.","start":893.98,"end":900.685,"sentiment":"neutral","sentiment_score":-0.17385007048908033}],"sentiment":"neutral","sentiment_score":-0.1442082127711425,"num_words":24,"start":880.655,"end":900.685},{"sentences":[{"text":"So if you have any pain, or have had treatment or had any symptoms around that issue, then they, would probably not assess it.","start":900.685,"end":910.205,"sentiment":"neutral","sentiment_score":-0.22565468835333982},{"text":"Normally, they like about sort of three to five years symptom or injury you know, pain free, essentially.","start":910.205,"end":916.05,"sentiment":"neutral","sentiment_score":-0.18036156561639574},{"text":"But if this is also just sort of based on what we have at the moment.","start":916.75,"end":919.70996,"sentiment":"neutral","sentiment_score":-0.1053710114210844},{"text":"So what'll actually happen is we'll go through the application with you.","start":919.70996,"end":923.17,"sentiment":"neutral","sentiment_score":-0.004939649564524491},{"text":"It will go through to the underwriters.","start":923.31,"end":924.85,"sentiment":"neutral","sentiment_score":-0.027690510664667402}],"sentiment":"neutral","sentiment_score":-0.13767878251609864,"num_words":77,"start":900.685,"end":924.85},{"sentences":[{"text":"So we're kind of showing you worst case scenario.","start":924.99,"end":927.57495,"sentiment":"neutral","sentiment_score":-0.11783832559982936},{"text":"They'll go through the application.","start":928.51495,"end":929.975,"sentiment":"neutral","sentiment_score":0.10767277777194977},{"text":"They'll assess the risk level.","start":930.355,"end":932.035,"sentiment":"neutral","sentiment_score":0.030647943168878554},{"text":"They'll probably ask for doctor's reports as well.","start":932.035,"end":935.01495,"sentiment":"neutral","sentiment_score":0.00950262846890837},{"text":"If they look at that knee the knee issue, they go, hey.","start":935.15497,"end":938.035,"sentiment":"neutral","sentiment_score":-0.07797900370011727}],"sentiment":"neutral","sentiment_score":-0.031504316470370844,"num_words":39,"start":924.99,"end":938.035},{"sentences":[{"text":"Look.","start":938.035,"end":938.19495,"sentiment":"neutral","sentiment_score":-0.06947323679924011},{"text":"This was a long time ago.","start":938.19495,"end":939.735,"sentiment":"neutral","sentiment_score":-0.21796085685491562},{"text":"There's nothing on doctor's records that have shown that there's ongoing issues or pain.","start":939.81,"end":943.73,"sentiment":"negative","sentiment_score":-0.43535465002059937},{"text":"It's not affecting your day to day life, and they may not have that knee exclusion on there.","start":943.73,"end":948.39,"sentiment":"neutral","sentiment_score":-0.3209179664651553},{"text":"It's just based on the information we have, this is what we can assess it as, And we're essentially showing you worst case worst case scenario for the exclusions and load ins so that you're kind of prepared going into the application, but it all comes down to how the underwriter assess it.","start":948.85,"end":965.13,"sentiment":"neutral","sentiment_score":0.060306712493019284}],"sentiment":"neutral","sentiment_score":-0.10926599035282498,"num_words":92,"start":938.035,"end":965.13},{"sentences":[{"text":"We can also do and I have done in the past with clients when we go through the underwriting, if it comes back and they have the knee exclusion there, I tend to also find out what exactly do they want in order to have that removed.","start":965.37,"end":977.55,"sentiment":"neutral","sentiment_score":-0.017075788190073157},{"text":"And if it's the case of going back to the doctor, having it assessed, or getting some sort of letter from your doctor to show you've had no issues, not been off work, you know, there's no ongoing pain, and there's nothing causing you to have any further issues to the knee, then they may be able to reassess it then.","start":977.625,"end":994.85,"sentiment":"neutral","sentiment_score":-0.04614324855511306},{"text":"So that's just another thing that I sorta had clients go back and do, see the doctor get this reassessed, and then we kind of have it removed.","start":994.85,"end":1001.83,"sentiment":"neutral","sentiment_score":-0.10594944449673806},{"text":"It is a possibility.","start":1002.37,"end":1003.43,"sentiment":"neutral","sentiment_score":-0.07397253252565861},{"text":"It's not a guarantee, but it is a possibility.","start":1003.49,"end":1005.83,"sentiment":"neutral","sentiment_score":-0.1673212887512313}],"sentiment":"neutral","sentiment_score":-0.056279640144749774,"num_words":149,"start":965.37,"end":1005.83},{"sentences":[{"text":"So when when the, exclusions and loadings come through after the full assessment, then we tend to go back and find out what with what they wanna know, when can it be reviewed, what they'll need to have it reviewed.","start":1006.05,"end":1018.305,"sentiment":"neutral","sentiment_score":-0.012584872636944055},{"text":"And we ask all those questions so we know, moving forward, how the how the policy can be assessed to, you know, assist.","start":1018.305,"end":1025.79,"sentiment":"neutral","sentiment_score":0.16516283219275268},{"text":"The other side of it is it's only on the increase.","start":1026.17,"end":1028.5901,"sentiment":"neutral","sentiment_score":-0.1805490641431375},{"text":"So any loadings or exclusions that like, at the moment, your previous policy, there's really nothing noted.","start":1029.13,"end":1035.515,"sentiment":"neutral","sentiment_score":-0.2781127717565088},{"text":"They're only gonna assess the increased components.","start":1035.8151,"end":1038.2351,"sentiment":"neutral","sentiment_score":-0.004086775173033986}],"sentiment":"neutral","sentiment_score":-0.03517565323153929,"num_words":98,"start":1006.05,"end":1038.2351},{"sentences":[{"text":"So your current policy will stay exactly as it is, and the loadings, exclusions, any changes to your health only affect the increased portion of the policy.","start":1038.295,"end":1047.5951,"sentiment":"neutral","sentiment_score":0.009632849168998224},{"text":"Does that make sense?","start":1047.8151,"end":1048.71,"sentiment":"neutral","sentiment_score":0.06167217902839184},{"text":"Yeah.","start":1050.71,"end":1051.19,"sentiment":"neutral","sentiment_score":0.18524804711341855},{"text":"Yeah.","start":1051.19,"end":1051.59,"sentiment":"positive","sentiment_score":0.3897187113761902},{"text":"Beautiful.","start":1051.59,"end":1052.09,"sentiment":"positive","sentiment_score":0.6927485466003418}],"sentiment":"neutral","sentiment_score":0.05219091025783735,"num_words":34,"start":1038.295,"end":1052.09},{"sentences":[{"text":"So I just wanted to be open and honest and let you know that's essentially how they're gonna assess that to start with.","start":1052.71,"end":1057.85,"sentiment":"positive","sentiment_score":0.40600280269332556},{"text":"It could be very different depending on how the outcome of the poll of the application there.","start":1057.99,"end":1063.005,"sentiment":"neutral","sentiment_score":0.05556946203989141},{"text":"But we'll always go back and ask the questions, ask them to you know, when it can be assessed, how it's assessed, what they need to do.","start":1063.245,"end":1069.085,"sentiment":"neutral","sentiment_score":0.2167451318215441},{"text":"So and when it can be assessed, we'll definitely make sure we do look at that for you.","start":1069.085,"end":1073.025,"sentiment":"positive","sentiment_score":0.3619946812589963},{"text":"We don't ever want you to have loadings and exclusions beyond the point that you really need to have them on the policy because we do know loadings make the policy more expensive, and exclusions essentially are where you're not able to claim on the policy for a certain aspect.","start":1073.405,"end":1086.5599,"sentiment":"neutral","sentiment_score":-0.24964767545461655}],"sentiment":"neutral","sentiment_score":0.07532136567212917,"num_words":135,"start":1052.71,"end":1086.5599},{"sentences":[{"text":"So we just wanna make sure that we're open and honest and show you what the expectation is based on the risk that has been assessed with the insurers directly.","start":1086.5599,"end":1094.945,"sentiment":"neutral","sentiment_score":0.19514658624927203},{"text":"Yeah.","start":1095.485,"end":1095.985,"sentiment":"neutral","sentiment_score":0.07511892914772034},{"text":"Oh, absolutely.","start":1099.965,"end":1100.5449,"sentiment":"neutral","sentiment_score":-0.004637638106942177},{"text":"No.","start":1102.6849,"end":1103.1649,"sentiment":"neutral","sentiment_score":-0.21209388971328735},{"text":"No.","start":1103.1649,"end":1103.6649,"sentiment":"neutral","sentiment_score":-0.16869692504405975}],"sentiment":"neutral","sentiment_score":0.15827001216156142,"num_words":35,"start":1086.5599,"end":1103.6649},{"sentences":[{"text":"Absolutely.","start":1103.92,"end":1104.3201,"sentiment":"neutral","sentiment_score":0.0787639319896698},{"text":"And, I mean, realistically, if you've had that kind of injury or illness in the past, it might be something, you know, with what you do for work that you might actually need to claim on.","start":1104.3201,"end":1112.56,"sentiment":"neutral","sentiment_score":-0.02535716464949979},{"text":"So when and if it can be assessed, I completely understand.","start":1112.56,"end":1116.1,"sentiment":"neutral","sentiment_score":0.16448468579487366},{"text":"And it's fine.","start":1116.16,"end":1116.96,"sentiment":"neutral","sentiment_score":0.2449052780866623},{"text":"No.","start":1116.96,"end":1117.2,"sentiment":"neutral","sentiment_score":-0.04614926129579544}],"sentiment":"neutral","sentiment_score":0.03199623310222076,"num_words":52,"start":1103.92,"end":1117.2},{"sentences":[{"text":"It's a great question, actually.","start":1117.2,"end":1118.74,"sentiment":"neutral","sentiment_score":0.32667753398418425},{"text":"I encourage everyone to ask as many questions as possible because, realistically, knowing that does give you kind of an idea of, you know, if you twelve months, they might just reassess it if they say, hey.","start":1118.895,"end":1132.095,"sentiment":"neutral","sentiment_score":0.23297021618565997},{"text":"Look.","start":1132.095,"end":1132.595,"sentiment":"neutral","sentiment_score":0.060253746807575226},{"text":"We'll put it on for now.","start":1132.78,"end":1133.9,"sentiment":"neutral","sentiment_score":0.07489399301509063},{"text":"But in twelve months' time, if you had no pain, no time off work, and not needed any medication, you know, to assist with the the pain of that, then we might reassess it.","start":1133.9,"end":1142.7,"sentiment":"neutral","sentiment_score":0.03553939166971866}],"sentiment":"neutral","sentiment_score":0.14423183964408307,"num_words":83,"start":1117.2,"end":1142.7},{"sentences":[{"text":"So it's always worth asking those questions, and I ask those questions of insurance before they put an application in force every single time.","start":1142.7,"end":1150.0349,"sentiment":"neutral","sentiment_score":0.07880654403318961},{"text":"So absolutely fine.","start":1150.0349,"end":1151.575,"sentiment":"neutral","sentiment_score":0.2217133343219757},{"text":"Yeah.","start":1152.4349,"end":1152.9349,"sentiment":"neutral","sentiment_score":0.26710161566734314},{"text":"Oh, good.","start":1154.595,"end":1155.335,"sentiment":"positive","sentiment_score":0.3842689245939255},{"text":"The only other thing there is just with regards to the beneficiary side of things, so just making sure we have those updated.","start":1155.875,"end":1161.655,"sentiment":"neutral","sentiment_score":0.10840168052717396}],"sentiment":"neutral","sentiment_score":0.1148183995611825,"num_words":53,"start":1142.7,"end":1161.655},{"sentences":[{"text":"I will get on to my team to make sure those beneficiaries are sent out, and we have those all pre filled with Courtney's details there for you.","start":1161.955,"end":1169.62,"sentiment":"neutral","sentiment_score":0.1831112794045891},{"text":"Just making sure that everything is correct and and set up in place for yourself there.","start":1170.0,"end":1174.82,"sentiment":"neutral","sentiment_score":0.2325444258749485},{"text":"I know it is a lot when you're not looking at the documents.","start":1175.2,"end":1177.5651,"sentiment":"neutral","sentiment_score":-0.0022534865599412187},{"text":"Do you have any other questions or anything you want me to clarify?","start":1177.5651,"end":1180.465,"sentiment":"neutral","sentiment_score":0.018343116228397075},{"text":"I'm so sorry, Richard.","start":1180.525,"end":1181.665,"sentiment":"neutral","sentiment_score":-0.0909622423350811}],"sentiment":"neutral","sentiment_score":0.11747490342807125,"num_words":74,"start":1161.955,"end":1181.665},{"sentences":[{"text":"Yeah.","start":1186.285,"end":1186.785,"sentiment":"neutral","sentiment_score":-0.02107120119035244},{"text":"Beautiful.","start":1187.0851,"end":1187.5851,"sentiment":"neutral","sentiment_score":0.2122904658317566},{"text":"Fantastic.","start":1189.005,"end":1189.505,"sentiment":"positive","sentiment_score":0.5312591195106506},{"text":"Lovely.","start":1189.885,"end":1190.385,"sentiment":"positive","sentiment_score":0.5019242763519287},{"text":"I always try to go as easy as possible.","start":1190.57,"end":1192.33,"sentiment":"positive","sentiment_score":0.351812912358178}],"sentiment":"positive","sentiment_score":0.3377476055175066,"num_words":13,"start":1186.285,"end":1192.33},{"sentences":[{"text":"There's certain things I have to hit, like, certain points I've gotta sort of touch on, but I always try not to feel like I'm talking at you.","start":1192.33,"end":1198.73,"sentiment":"neutral","sentiment_score":0.011442223031605993},{"text":"It's the worst thing in the world.","start":1198.73,"end":1199.77,"sentiment":"neutral","sentiment_score":-0.2962807374341147},{"text":"You're probably looking at sitting in traffic too, trying to navigate and drive and pay attention.","start":1199.77,"end":1204.19,"sentiment":"neutral","sentiment_score":-0.17597752436995506},{"text":"Yeah.","start":1212.5549,"end":1213.0549,"sentiment":"neutral","sentiment_score":0.009952780790627004},{"text":"Absolutely.","start":1214.715,"end":1215.215,"sentiment":"neutral","sentiment_score":0.10172607004642488}],"sentiment":"neutral","sentiment_score":-0.08410461238181254,"num_words":53,"start":1192.33,"end":1215.215},{"sentences":[{"text":"Yeah.","start":1215.995,"end":1216.315,"sentiment":"neutral","sentiment_score":0.059500280767679214},{"text":"Definitely.","start":1216.315,"end":1216.815,"sentiment":"neutral","sentiment_score":0.06553428620100021},{"text":"What kind of audiobooks are you into these days?","start":1216.875,"end":1219.0349,"sentiment":"neutral","sentiment_score":0.018478571954700682},{"text":"What's the okay.","start":1219.0349,"end":1223.88,"sentiment":"neutral","sentiment_score":0.028252602671273053},{"text":"Nice.","start":1224.1799,"end":1224.6799,"sentiment":"neutral","sentiment_score":0.0900367870926857}],"sentiment":"neutral","sentiment_score":0.031075753977832694,"num_words":15,"start":1215.995,"end":1224.6799},{"sentences":[{"text":"Yes.","start":1227.78,"end":1228.28,"sentiment":"neutral","sentiment_score":0.04419608414173126},{"text":"Yeah.","start":1230.58,"end":1231.08,"sentiment":"neutral","sentiment_score":0.1126762628555298},{"text":"I love that.","start":1233.635,"end":1234.4349,"sentiment":"positive","sentiment_score":0.5561075011889139},{"text":"That's fantastic.","start":1234.4349,"end":1235.255,"sentiment":"positive","sentiment_score":0.5207210183143616},{"text":"No.","start":1235.715,"end":1235.955,"sentiment":"neutral","sentiment_score":0.16509293019771576}],"sentiment":"positive","sentiment_score":0.37896622717380524,"num_words":8,"start":1227.78,"end":1235.955},{"sentences":[{"text":"That's awesome.","start":1235.955,"end":1236.695,"sentiment":"neutral","sentiment_score":0.2865649610757828},{"text":"Beautiful.","start":1237.5549,"end":1238.0549,"sentiment":"positive","sentiment_score":0.39314505457878113},{"text":"Well, I have sent the email there to you.","start":1238.4349,"end":1240.4349,"sentiment":"neutral","sentiment_score":0.13839516954289544},{"text":"So you've got your statement of advice in your emails.","start":1240.4349,"end":1242.675,"sentiment":"neutral","sentiment_score":0.1722598761320114},{"text":"We also have attached the financial services guide, the appendices with the research conducted.","start":1242.675,"end":1247.19,"sentiment":"neutral","sentiment_score":0.1276364800121103}],"sentiment":"neutral","sentiment_score":0.15892613844739067,"num_words":36,"start":1235.955,"end":1247.19},{"sentences":[{"text":"And depending on how much reading you enjoy doing, I've also got the product disclosure statements for Hub twenty four and ClearViews.","start":1247.33,"end":1255.19,"sentiment":"neutral","sentiment_score":0.1380144567652182},{"text":"You're welcome to run your eyes over that.","start":1255.33,"end":1257.51,"sentiment":"neutral","sentiment_score":0.33149229921400547},{"text":"In the recommendations which I've outlined in the document, we've also got the risks, advantages, disadvantages.","start":1258.485,"end":1263.785,"sentiment":"neutral","sentiment_score":0.03660779760684818},{"text":"I run through some of those with you, but there's quite an extensive range in there for you to run your eyes over.","start":1264.005,"end":1269.54,"sentiment":"neutral","sentiment_score":0.0389818277048028},{"text":"And then we also have the best interest duties.","start":1269.78,"end":1272.18,"sentiment":"neutral","sentiment_score":0.07407656643125746}],"sentiment":"neutral","sentiment_score":0.10047759409420766,"num_words":78,"start":1247.33,"end":1272.18},{"sentences":[{"text":"So any advice we do provide is linked back to your goals and noted in the in its best interest and how it's in your best interest to follow through with the recommendations there.","start":1272.18,"end":1280.8201,"sentiment":"neutral","sentiment_score":0.160128314705456},{"text":"But once you've kinda read through it, if there's any questions that come out of that, you're welcome to let me know.","start":1280.8201,"end":1286.0751,"sentiment":"neutral","sentiment_score":0.2771396338939667},{"text":"And if you kinda go through it, you're just happy to take on the advice.","start":1286.0751,"end":1289.035,"sentiment":"positive","sentiment_score":0.5769708633422852},{"text":"We'll just get you to sign and return that one back there for us.","start":1289.035,"end":1291.995,"sentiment":"neutral","sentiment_score":0.28575683598007473},{"text":"Okay?","start":1291.995,"end":1292.495,"sentiment":"neutral","sentiment_score":0.1547987312078476}],"sentiment":"neutral","sentiment_score":0.2831557212873947,"num_words":86,"start":1272.18,"end":1292.495},{"sentences":[{"text":"Easy.","start":1294.155,"end":1294.655,"sentiment":"positive","sentiment_score":0.5076727271080017},{"text":"Thank you so much.","start":1294.795,"end":1295.755,"sentiment":"positive","sentiment_score":0.6821398288011551},{"text":"Well, that's everything I needed to touch on, but thank you so much for your time.","start":1295.755,"end":1299.24,"sentiment":"positive","sentiment_score":0.4692323338240385},{"text":"I hope you get home soon and can put your feet up.","start":1299.24,"end":1301.9801,"sentiment":"positive","sentiment_score":0.4239303842186928},{"text":"Oh, bless you.","start":1305.56,"end":1306.76,"sentiment":"positive","sentiment_score":0.391361008087794}],"sentiment":"positive","sentiment_score":0.4723665838440259,"num_words":36,"start":1294.155,"end":1306.76},{"sentences":[{"text":"Look.","start":1306.76,"end":1307.0,"sentiment":"neutral","sentiment_score":0.046139515936374664},{"text":"I've got another probably half an hour or a bit longer at work.","start":1307.0,"end":1311.1749,"sentiment":"neutral","sentiment_score":-0.007776117668702052},{"text":"I finish at six tonight, and then I drive another forty minutes home.","start":1311.1749,"end":1314.695,"sentiment":"neutral","sentiment_score":0.01155149951004065},{"text":"So I I understand that.","start":1314.695,"end":1316.075,"sentiment":"neutral","sentiment_score":0.0037354819476604463},{"text":"Yep.","start":1323.4149,"end":1323.9149,"sentiment":"neutral","sentiment_score":0.06314381957054138}],"sentiment":"neutral","sentiment_score":0.00536486997523091,"num_words":33,"start":1306.76,"end":1323.9149},{"sentences":[{"text":"Absolutely.","start":1328.21,"end":1328.71,"sentiment":"neutral","sentiment_score":0.11706145852804184},{"text":"Absolutely.","start":1329.17,"end":1329.65,"sentiment":"neutral","sentiment_score":0.028895139694213867},{"text":"I don't know about you, but I find that my sitting in traffic is kind of my time.","start":1329.65,"end":1334.21,"sentiment":"neutral","sentiment_score":-0.16241140415271124},{"text":"I can listen to a book or listen to, you know, something and just zone out for a little while and just have quiet.","start":1334.21,"end":1340.45,"sentiment":"neutral","sentiment_score":0.10441284673288465},{"text":"That's probably the nicest part of my day, just sitting in silence and listen to music or a podcast or a book or something.","start":1340.45,"end":1346.605,"sentiment":"positive","sentiment_score":0.6121713767449061}],"sentiment":"neutral","sentiment_score":0.21206724539618282,"num_words":68,"start":1328.21,"end":1346.605},{"sentences":[{"text":"Yeah.","start":1350.025,"end":1350.525,"sentiment":"neutral","sentiment_score":0.024116378277540207},{"text":"Absolutely.","start":1351.5449,"end":1352.0449,"sentiment":"neutral","sentiment_score":0.2831571698188782},{"text":"No.","start":1354.73,"end":1355.05,"sentiment":"neutral","sentiment_score":0.1822093427181244},{"text":"Beautiful.","start":1355.05,"end":1355.55,"sentiment":"positive","sentiment_score":0.5019775629043579},{"text":"Well, look.","start":1355.61,"end":1356.01,"sentiment":"positive","sentiment_score":0.3526776134967804}],"sentiment":"neutral","sentiment_score":0.2828026134520769,"num_words":6,"start":1350.025,"end":1356.01},{"sentences":[{"text":"Drive safe.","start":1356.01,"end":1356.73,"sentiment":"positive","sentiment_score":0.3876059502363205},{"text":"Get home safely, and let me know if there's any questions that yeah.","start":1356.73,"end":1360.0901,"sentiment":"positive","sentiment_score":0.3376918309009992},{"text":"It looks thank you so much for allowing me to put this together.","start":1360.0901,"end":1362.5901,"sentiment":"positive","sentiment_score":0.7969632240442129},{"text":"I've really enjoyed doing the research for you.","start":1362.9701,"end":1365.31,"sentiment":"positive","sentiment_score":0.8320555239915848},{"text":"You too.","start":1365.37,"end":1366.03,"sentiment":"positive","sentiment_score":0.48694562911987305}],"sentiment":"positive","sentiment_score":0.609370080656127,"num_words":38,"start":1356.01,"end":1366.03},{"sentences":[{"text":"Thanks, Richard.","start":1367.4089,"end":1368.209,"sentiment":"positive","sentiment_score":0.701663613319397},{"text":"I'll let you go.","start":1368.209,"end":1368.7689,"sentiment":"positive","sentiment_score":0.49241903424263},{"text":"You have a lovely evening.","start":1368.7689,"end":1370.1489,"sentiment":"positive","sentiment_score":0.7740119099617004},{"text":"Thanks.","start":1371.6489,"end":1372.049,"sentiment":"positive","sentiment_score":0.5987434983253479},{"text":"See you later.","start":1372.049,"end":1372.7689,"sentiment":"positive","sentiment_score":0.4809543391068776}],"sentiment":"positive","sentiment_score":0.6189779619375865,"num_words":15,"start":1367.4089,"end":1372.7689},{"sentences":[{"text":"Bye.","start":1372.7689,"end":1373.2689,"sentiment":"neutral","sentiment_score":-0.12316308170557022}],"sentiment":"neutral","sentiment_score":-0.12316308170557022,"num_words":1,"start":1372.7689,"end":1373.2689}]}}]},{"alternatives":[{"transcript":"Hello. Richard speaking. Good. Thank you. Yourself? Yeah. That was fine. I'm just driving home in traffic. Yeah. Yeah. That's fine. Yeah. That's all good. Yep. Yep. Yep. Not a problem. Yep. That's five. Yeah. Richard Janita Picci, twenty ninth of July nineteen ninety and six Sonja Street, Ferndale. Yes. Yeah. Yeah. Not a problem. Yes. Yes. Yeah. Yes. Yeah. I don't think looking at it would make too much of a difference to be. Yes. Yeah. No. It's good. Yeah. Yeah. No. That's so good. Yeah. Yeah. Yes. No. No. Not really. With the, I guess, with the knee, like, when because like that's that's a long injury a while ago. When does that sort of not become a, I guess, an issue? Yes. Yeah. Yeah. Yeah. Yes. Yeah. Yes. Yeah. Yeah. Yeah. No. That's so good. I thought I just asked because it it has been quite a while. It's not like my need plays up. But yeah. Yeah. Yeah. Yeah. Yeah. Yep. No. That's still good. No. No. That's it. It's it's all it's nothing I haven't gone through many times before, so that's all fine. Yeah. No. That's fine. It's been I'm getting better at it. Like, I listen to audio books. Well, in working, listening to more audiobooks. So you get the hang of paying attention and yeah. It's it's all professional development, I guess. So it's all, human nature around injury and then the next one's all about just culture. So it's just all professional development. Yeah. Yep. Not a problem. Easy. Another thirty minutes, and I'll be there. That's all good. Well, yeah. Understand? Yeah. So well, that's it. Like, if I if I leave any later, it doesn't change any any, like, time difference. But I just leave when I can leave and just copy it. It is what it is sometimes. Yes. Yes. Yeah. Without any other distractions, you know, not allowed to answer work calls. Yeah. Yes. Awesome. Thank you. Alright. Cheers. Thank you. 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Richard speaking. Good. Thank you. Yourself?\n\nYeah. That was fine. I'm just driving home in traffic. Yeah. Yeah.\n\nThat's fine. Yeah. That's all good. Yep. Yep.\n\nYep. Not a problem. Yep. That's five. Yeah.\n\nRichard Janita Picci, twenty ninth of July nineteen ninety and six Sonja Street, Ferndale. Yes. Yeah. Yeah. Not a problem.\n\nYes. Yes. Yeah. Yes. Yeah.\n\nI don't think looking at it would make too much of a difference to be. Yes. Yeah. No. It's good.\n\nYeah. Yeah. No. That's so good. Yeah.\n\nYeah. Yes. No. No. Not really.\n\nWith the, I guess, with the knee, like, when because like that's that's a long injury a while ago. When does that sort of not become a, I guess, an issue? Yes. Yeah. Yeah.\n\nYeah. Yes. Yeah. Yes. Yeah.\n\nYeah. Yeah. No. That's so good. I thought I just asked because it it has been quite a while.\n\nIt's not like my need plays up. But yeah. Yeah. Yeah. Yeah.\n\nYeah. Yep. No. That's still good. No.\n\nNo. That's it. It's it's all it's nothing I haven't gone through many times before, so that's all fine. Yeah. No.\n\nThat's fine. It's been I'm getting better at it. Like, I listen to audio books. Well, in working, listening to more audiobooks. So you get the hang of paying attention and yeah.\n\nIt's it's all professional development, I guess. So it's all, human nature around injury and then the next one's all about just culture. So it's just all professional development. Yeah. Yep.\n\nNot a problem. Easy. Another thirty minutes, and I'll be there. That's all good. Well, yeah.\n\nUnderstand? Yeah. So well, that's it. Like, if I if I leave any later, it doesn't change any any, like, time difference. But I just leave when I can leave and just copy it.\n\nIt is what it is sometimes. Yes. Yes. Yeah. Without any other distractions, you know, not allowed to answer work calls.\n\nYeah. Yes. Awesome. Thank you. Alright.\n\nCheers. Thank you. 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it.","start":1322.975,"end":1325.795,"sentiment":"neutral","sentiment_score":0.053588466408352055}],"sentiment":"neutral","sentiment_score":0.019456025076043958,"num_words":34,"start":1315.77,"end":1325.795},{"sentences":[{"text":"It is what it is sometimes.","start":1326.095,"end":1327.395,"sentiment":"neutral","sentiment_score":0.02849348448216915},{"text":"Yes.","start":1334.8151,"end":1335.3151,"sentiment":"neutral","sentiment_score":0.08586728572845459},{"text":"Yes.","start":1346.9299,"end":1347.345,"sentiment":"neutral","sentiment_score":0.25510162115097046},{"text":"Yeah.","start":1347.4249,"end":1347.585,"sentiment":"neutral","sentiment_score":0.17463581264019012},{"text":"Without any other distractions, you know, not allowed to answer work calls.","start":1347.585,"end":1350.865,"sentiment":"neutral","sentiment_score":0.021986950596328825}],"sentiment":"neutral","sentiment_score":0.045257573027075046,"num_words":21,"start":1326.095,"end":1350.865},{"sentences":[{"text":"Yeah.","start":1350.865,"end":1351.365,"sentiment":"neutral","sentiment_score":0.17185819149017334},{"text":"Yes.","start":1365.51,"end":1365.83,"sentiment":"positive","sentiment_score":0.3618910312652588},{"text":"Awesome.","start":1365.83,"end":1366.3099,"sentiment":"positive","sentiment_score":0.7775838375091553},{"text":"Thank you.","start":1366.3099,"end":1367.13,"sentiment":"positive","sentiment_score":0.7487450242042542},{"text":"Alright.","start":1368.47,"end":1368.97,"sentiment":"positive","sentiment_score":0.35934609174728394}],"sentiment":"positive","sentiment_score":0.5280282000700632,"num_words":6,"start":1350.865,"end":1368.97},{"sentences":[{"text":"Cheers.","start":1370.3099,"end":1370.71,"sentiment":"positive","sentiment_score":0.6979886889457703},{"text":"Thank you.","start":1370.71,"end":1371.27,"sentiment":"positive","sentiment_score":0.6783278584480286},{"text":"Bye.","start":1371.27,"end":1371.77,"sentiment":"positive","sentiment_score":0.41421398520469666}],"sentiment":"positive","sentiment_score":0.617214597761631,"num_words":4,"start":1370.3099,"end":1371.77}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Richard speaking.\n\nChannel 0: Hi, Richard. It's Dana from Okey Financial. How are you this afternoon?\n\nChannel 1: Good. Thank you. Yourself?\n\nChannel 0: I'm very well. Thank you. Thanks for asking. I had you booked in to go through your updated statement of advice. Is now still a good time there for you?\n\nChannel 1: Yeah. That was fine. I'm just driving home in traffic.\n\nChannel 0: Oh, no. No. That's okay. I normally do send the document through to you there. Obviously, you can't read it because you are driving.\n\nAre you comfortable with me just running through the recommendations as easily as I possibly can, and then\n\nChannel 1: Yeah.\n\nChannel 0: allow\n\nChannel 1: Yeah.\n\nChannel 0: you\n\nChannel 1: That's\n\nChannel 0: to go back\n\nChannel 1: fine.\n\nChannel 0: and review it later? Is that okay? Yeah.\n\nChannel 1: Yeah. That's all good.\n\nChannel 0: Fantastic. That's not a problem at all. I'll just start by sending it through so it is there when you are able to when you get home and you've got some time to run through it there. Once\n\nChannel 1: Yep.\n\nChannel 0: you do sort of receive the document, please go through. Have a bit of a read of it. Let me know if there are any additional questions there, and if you're happy to take on the recommendations or just get the sign and return it\n\nChannel 1: Yep.\n\nChannel 0: back there for me. Okay?\n\nChannel 1: Yep. Not a problem.\n\nChannel 0: Excellent. Fantastic. Before I jump in and start going to this, I do have to let you know, moving forward, our calls are recorded for training and quality purposes. Are you happy for me to proceed with that?\n\nChannel 1: Yep. That's five.\n\nChannel 0: Fantastic. And I'll just do a quick security check there for you. So to confirm your full name, your date of birth, and address I should have on file.\n\nChannel 1: Yeah. Richard Janita Picci, twenty ninth of July nineteen ninety and six Sonja Street, Ferndale.\n\nChannel 0: Beautiful. Thank you so much for that. Richard, when you do see the document there, on the front page, it does have your name. It's also got my license number. So I'm a licensed financial adviser registered with ASIC, and my registration number is 130 sorry.\n\n1304394. The areas with regard to this advice, it sort of came off the back of your annual review there. So we're looking at superannuation. You're sort of tracking to try and access super about the age of 65, and we had noted there was some underperforming investments. So we wanted to kinda go back and review those and have those updated there for you as well.\n\nWe were also looking at the insurance aspect. So you were happy with your life and TBD, but your income had changed slightly. So we were looking at increasing your income protection to keep you in line with being able to claim the maximum seven 70% if you were off work due to illness or injury. Does that still sound fairly appropriate for you?\n\nChannel 1: Yes. Yeah.\n\nChannel 0: Yep. Beautiful. And then I've also just scoped in the beneficiary side things as well, just making sure that your beneficiaries are up to date. I can see that my team is yet to post those out to you, but I will make sure they are completed this week for you as well. Okay?\n\nChannel 1: Yeah. Not a problem.\n\nChannel 0: Fantastic. Essentially, with regard to the recommendations there, sir, I did go back and have a bit of a look at your super as well as looking at any other funds out there just to sort of make sure that you were in the correct fund, see if there was any sort of reason to change out of the fund there. There isn't at the moment, so I am recommending you do retain hub twenty four for the time being. Essentially, one of the things I do look at when I am recommending whether to change a a platform or a super fund is essentially the capital gains consequences there. One of the things I did sorta notice was that if we had to sell down your whole portfolio and move you to another fund, we would have triggered a full sell down and a CTT for approximately $3,085.\n\nSo we do try to retain and limit the amount of tax consequences on your super fund because the more tax that is paid, the less your balance is and the harder it can be to kind of obtain that money back there. So I am\n\nChannel 1: Yes.\n\nChannel 0: recommending that that we do keep your super fund exactly as it is within HUB twenty four, and we just switch the investments. Essentially, Hub twenty four does actually have over a thousand investments to sort of choose from. So we do have a lot of different investments that we can sort of switch you into. So it is still one of the better funds out there. When I am looking to change the investments, essentially, what I'm looking to do is we talked about how the bank hybrids are to be essentially phased out down the track there.\n\nSo I am recommending we sell those down to zero. We'll place them as a defensive investment. It's better while we are making changes now to make all the changes rather than some now and then some down the track when we have to later on. You've got the global agriculture in there. Hasn't done too bad, but I am looking to sell that down completely as well.\n\nYou do also have some physical gold within your portfolio. Physical gold has done really, really well. We only wanna hold about 8%. So you do have currently have 15.50%. You are a bit overweighted in physical gold, so we're gonna rebalance your portfolio back there and just sell some of that.\n\nThat essentially cements the gain that's being made, and we can redistribute that across the rest of your portfolio there as well.\n\nChannel 1: Yes.\n\nChannel 0: You do have some cybersecurity. Has been a bit up and down this year, but overall has been doing very, very well. Cybersecurity is still a place we wanna keep invested in your portfolio there. So we only wanna hold about 5%. You've got a bit over six percent there at the moment.\n\nSo it's about just rebalancing your portfolio back and selling some of that. We wanna keep the S and P 500 to keep access to The US market there. You've got so we wanna hold 20%. You currently have 28.40. So we're gonna rebalance sell some of that to sort of bring you down to 20% then.\n\nWe are also keeping the beta shares Rafi 200. So giving you exposure to some of the top 200 companies on the ASX there. You've essentially got 15 we wanna hold 15%. You've got about 18 in your portfolio at the moment. So, again, it is just kind of reweighting the portfolio back.\n\nWith the Van Along Australian Equities, we are getting rid of that completely. That is the one that's been underperforming as we kinda went through before. So we are gonna sell that completely down and remove that from your portfolio and replace that to make sure you still have Australian equity exposure. We've also got the ClearBridge infrastructure fund. So it has taken a little bit of a hit recently, has not done been within your portfolio.\n\nEssentially, it has been having a little bit of up and down with what's been occurring of the changes to legislation with regard to property there. So I am recommending we remove that completely out of your portfolio and cement the gains that it has made. Essentially, once we kinda to complete all of those sales and rebalance things back a little bit, what you will see in your portfolio is that at 8% in physical gold, 5% is cybersecurity, 20% invested in the S and P 500, so it's The US market. We'll keep 15% in the Rafi two 100, and we're also gonna invest 5% into the India quality ETF. So India has seen some really good gains, and we do wanna keep a bit of exposure in that area.\n\nSo we'll add 5% into the India market. Global Healthcare has seen some good gains, and it is still a place we wanna, you know, stay in or be invested, essentially. So we're gonna have about 4% in the Global Healthcare. Again, it's giving you diversification, so we're looking globally for that investment there as well. And then because we are removing, essentially, the ban along Australian equities, we're investing 10% into the beta shares a 200.\n\nThis is essentially a passively managed fund. It's helping to track some of the top 200 companies on the ASX. We have that plus the Raffy that is giving you essentially 400 the top 400 companies on the ASX there. It's not technically overweighting the portfolio by Australian equities. It is diversifying quite heavily.\n\nThe Rafi also encompasses some mid cap there as well, so it is a positive sign for you. But, essentially, we wanna see about 25% in the Australian equity space, and this is where that's giving you access and exposure. By keeping the Raffy and having the a 200 there and removing that along, we're also increasing your diversification in your portfolio. So it's helping to lower your overall risk of the portfolio there as well, which is a positive thing.\n\nChannel 1: Yeah.\n\nChannel 0: We also got the JPMorgan Global Research Enhanced Equity Fund. It's a long name. Essentially, we're gonna add 15% exposure into that. That is a little bit of an actively managed fund. It is mostly passive.\n\nIt's a low cost fund, but it utilizes JPMorgan's research team to find areas globally for where they want to maybe add a little bit of additional growth or be invested in. JB and Morgan's research team has been around forever. They are a really great team. They have some really great researchers there, and they do very well as a whole. So it's about because you're younger, you can take a little bit have a little bit of active management in your portfolio.\n\nWe wanted to keep this here to give you that little bit of active management, but also try and make the portfolio as cheap as possible. Does that all make sense so far?\n\nChannel 1: Yes. Yeah.\n\nChannel 0: Yep. Beautiful. And then defensive investment. So you are in that growth environment. So that's a 8020 split that we went through last time.\n\nSo we do wanna keep about 20% in defensive low risk investments. So we're keeping in there the iShield e sorry. I iShares Yield Plus. It's giving you access to fixed interest and high it's sort of looking at things that pay really good dividends and high yields to income producing and then core composite bonds. They're giving you access to government and corporate bonds.\n\nIt also does have some global exposure into notes and fixed interest there as well. So those two investments are more about having a little bit of low risk investing, having some defensive assets, income production as well because income is something we wanna see in happening. We wanna see income being produced out of your investments, paid into your cash account, which can be redistributed across your portfolio, and that does help with the compounding effect there as well. That is a lot to go through when you're not looking at the document, and I fully understand that. Do you\n\nChannel 1: I\n\nChannel 0: have\n\nChannel 1: don't\n\nChannel 0: any\n\nChannel 1: think\n\nChannel 0: questions\n\nChannel 1: looking at\n\nChannel 0: at\n\nChannel 1: it\n\nChannel 0: all?\n\nChannel 1: would make too much of a difference to be.\n\nChannel 0: No. You're fine, honestly. When you do happen to have a look at the document, page number 20 outlines essentially what the buyers and sales look like. The reds are buy sells, the greens are are buyers, and the very last column essentially shows you where you'll see all of your super invested once we make those changes there for you.\n\nChannel 1: Yes.\n\nChannel 0: So a lot of the reasoning behind the changes, as I kinda went through before, I do look at the capital gains consequences for making the changes there. Obviously, I wanted to limit those as much as possible, and I was able to work out by making these switches within your portfolio. Your super fund has no capital gains consequences, so we're utilizing the underperformance of some of the investments to complete the switches and to essentially limit or completely reduce the capital gains consequences. So we can make those changes within your portfolio and switch the investments, and there's no CDT consequences to your super fund to take into account, which is a positive.\n\nChannel 1: Yeah. No. It's good.\n\nChannel 0: Yeah. The other side of that is the investment fees. So we're not removing you out of hub twenty four. So there's no change to the admin fees there. However, this newer portfolio is cheaper.\n\nSo it's expected to save you $294 on for the first year on investment fees. So it's less money being paid out in fees, more money stays in your super working harder for you. The other thing that I looked at is the five year rolling average. So the current portfolio has averaged about 9.24% when we kinda look at the research data. This newer portfolio over the past five years has averaged about 10.53%.\n\nSo, realistically, if this newer portfolio can do what it has done over the next sort of five years, offer saving in fees and no CGT consequences, it can essentially put you in a much greater position moving forward. So it's essentially weighing up no CGT consequences, a better performing portfolio, and a cheaper portfolio, and what that can do for you over the next five to ten\n\nChannel 1: Yeah.\n\nChannel 0: years, and it does show it puts you in a better position long term. So that's essentially why I made that recommendation there. Does that all make sense? Do you have any questions? You're welcome to let me know if you do.\n\nChannel 1: Yeah. No. That's so good. Yeah.\n\nChannel 0: Beautiful. The other thing that we sort of talked about was the income protection side of things. So we did a bit of a pre assessment with you. We are just retaining your life and TBD as it is, but we are recommending that we do increase your income protection in line with your income needs. So just making sure that you have the most income protection cover so that if in the event you were to need to claim on the policy, that we could cover as much of your expenses as absolutely possible.\n\nUnder your current income, it means that you'd be applying for a monthly benefit of 7,583. It's an increase to the policy. We're still keeping a thirty day waiting period and a five year benefit period, so no change that at all. It is structured and linked to your current life and TBT policies. No change there.\n\nAnd, essentially, when we look at the difference so your current policy sorry, is costing about $1,043.40 there with the newer policy, obviously, increasing your life and increasing your income protection. The amount, it's essentially doubling the policy. So the yearly premium is expected to be about $2,083. It is increasing the cost by 1,040 for the year. So the main sort of reason that was a thing was when we kind of went back and reviewed your pre assessments and went out to the market to see how that would be assessed.\n\nThey are essentially looking at a left knee exclusion because of your previous injury. You do have smoker rates in the policy as a smoker. They are adding an exclusion for your secondary occupation because you are doing two jobs. They'll cover your main and primary occupation, but they won't cover your secondary occupation, unfortunately.\n\nChannel 1: Yeah.\n\nChannel 0: And they are adding a 50% loading onto the policy as well. These all can be reviewable down the time. It's just all about sort of what they reviewed upfront and how they assess the risk of the insurance. It is still preferred to put that in place because it gives you a higher level of cover. It's just that the only thing that really affects is the knee exclusion and the secondary occupation there.\n\nDoes that all make sense?\n\nChannel 1: Yes.\n\nChannel 0: Do you have any questions?\n\nChannel 1: No. No. Not really.\n\nChannel 0: No. Beautiful. And one of the things to sort of look at is with these exclusions and loadings, they are kind of all generally reviewable down the track. As soon as we can review them, we do. The other thing we sort of wanna look at is we intend to need a higher level of cover now.\n\nWe're also building super paying down debts and building our savings and portfolios and things. But as we get older, we should be able to reduce the level of cover back a little bit as well. So we'll make sure to review the cover with you on a regular basis and make sure to make updates to that as needed as well. So yeah.\n\nChannel 1: With the,\n\nChannel 0: Easy.\n\nChannel 1: I guess, with the knee, like, when because like that's that's a long injury\n\nChannel 0: Yeah.\n\nChannel 1: a while ago. When does\n\nChannel 0: Mhmm.\n\nChannel 1: that sort of not become a, I guess, an issue?\n\nChannel 0: It really just depends upon how how long ago it started and whether you've had ongoing issues with it. So if you have any pain, or have had treatment or had any symptoms around that issue, then they, would probably not assess it. Normally, they like about sort of three to five years symptom or injury you know, pain free, essentially. But\n\nChannel 1: Yes.\n\nChannel 0: if this is also just sort of based on what we have at the moment. So what'll actually happen is we'll go through the application with you. It will go through to the underwriters. So we're kind of showing you worst case scenario.\n\nChannel 1: Yeah.\n\nChannel 0: They'll go through the application. They'll assess the risk level. They'll probably ask for doctor's reports as well. If they look at that knee the knee issue, they go, hey. Look.\n\nThis was a long time ago. There's nothing on doctor's records that have shown that there's ongoing issues or pain. It's not affecting your day to day life, and they may not have that knee exclusion on there. It's just based on the information we have, this is what we can assess it as,\n\nChannel 1: Yeah.\n\nChannel 0: And we're essentially showing you worst case worst case scenario for the exclusions and load ins so that you're kind of prepared going into the application, but it all comes down to how the underwriter assess it. We can also do and I have done in the past with clients when we go through the underwriting, if it comes back and they have the knee exclusion there, I tend to also find out what exactly do they want in order to have that removed. And if it's the case of going back to the doctor, having it assessed, or getting some sort of letter from your doctor to show you've had no issues, not been off work, you know, there's no ongoing pain, and there's nothing causing you to have any further issues to the knee, then they may be able to reassess it then. So that's just another\n\nChannel 1: Yeah.\n\nChannel 0: thing that I sorta had clients go back and do, see the doctor get this reassessed, and then we kind of have it removed. It is a possibility. It's not a guarantee, but it is a possibility. So when when the, exclusions and loadings come through after the full assessment, then we tend to go back and find out what with what they wanna know, when can it be reviewed, what they'll need to have it reviewed. And we ask all those questions so we know, moving forward, how the how the policy can be assessed to, you know, assist.\n\nThe other side of it is it's only on the increase. So any loadings or exclusions that like, at the moment, your previous policy, there's really nothing noted. They're only gonna assess the increased components. So your current policy will stay exactly as it is, and the loadings, exclusions, any changes to your health only affect the increased portion of the policy. Does that make sense?\n\nChannel 1: Yes. Yeah.\n\nChannel 0: Yeah. Yeah. Beautiful. So I just wanted to be open and honest and let you know that's essentially how they're gonna assess that to start with. It could be very different depending on how the outcome of the poll of the application there.\n\nBut we'll\n\nChannel 1: Yes.\n\nChannel 0: always go back and ask the questions, ask them to you know, when it can be assessed, how it's assessed, what they need to do. So and when it can be assessed, we'll definitely make sure we do look at that for you. We don't ever want you to have loadings and exclusions beyond the point that you really need to have them on the policy because we do know loadings make the policy more expensive, and exclusions essentially are where you're not able to claim on the policy for a certain aspect. So\n\nChannel 1: Yeah.\n\nChannel 0: we just wanna make sure that we're open and honest and show you what the expectation is based on the risk that has been assessed with the insurers directly. Yeah.\n\nChannel 1: Yeah. Yeah. No. That's so good. I thought I just asked because it it has been quite a while.\n\nChannel 0: Oh, absolutely.\n\nChannel 1: It's not like my need plays up. But yeah.\n\nChannel 0: No. No.\n\nChannel 1: Yeah.\n\nChannel 0: Absolutely. And, I mean, realistically, if you've had that kind of injury or illness in the past, it might be something, you know, with what you do for work that you might actually need to claim on. So when and if it can be assessed, I completely understand. And it's fine. No.\n\nIt's a great question, actually. I encourage everyone to ask as many questions as possible because, realistically, knowing that does give you kind of an idea of, you know, if you twelve months, they might just reassess it if they say, hey. Look. We'll put it on for now. But in twelve months' time, if you had no pain, no time off work, and not needed any medication, you know, to assist with the the pain of that, then we might reassess it.\n\nSo it's always worth asking those questions, and I ask those questions of insurance before they put an application in force every single time.\n\nChannel 1: Yeah.\n\nChannel 0: So absolutely\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: fine. Yeah. Oh, good. The only other thing there is just with regards to the beneficiary side of things, so just making sure we have those updated. I will get on to my team to make sure those beneficiaries are sent out, and we have those all pre filled with Courtney's details there for you.\n\nJust\n\nChannel 1: Yep.\n\nChannel 0: making sure that everything is correct and and set up in place for yourself there. I know it is a lot when you're not looking at the documents. Do you have any other questions or anything you want me to clarify? I'm so sorry, Richard.\n\nChannel 1: No. That's still good. No. No. That's it.\n\nIt's it's all it's nothing I haven't gone through many\n\nChannel 0: Yeah.\n\nChannel 1: times before,\n\nChannel 0: Beautiful.\n\nChannel 1: so that's all fine. Yeah.\n\nChannel 0: Fantastic. Lovely. I always try to go as easy as possible. There's certain things I have to hit, like, certain points I've gotta sort of touch on, but I always try not to feel like I'm talking at you. It's the worst thing in the world.\n\nYou're probably looking at sitting in traffic too, trying to navigate and drive and pay attention.\n\nChannel 1: No. That's fine. It's been I'm getting better at it. Like, I listen to audio books. Well, in working, listening to more audiobooks.\n\nSo you get the hang\n\nChannel 0: Yeah.\n\nChannel 1: of paying attention and yeah.\n\nChannel 0: Absolutely. Yeah. Definitely. What kind of audiobooks are you into these days? What's the\n\nChannel 1: It's it's all professional development, I guess. So it's all,\n\nChannel 0: okay. Nice.\n\nChannel 1: human nature around injury and then the next one's\n\nChannel 0: Yes.\n\nChannel 1: all about just culture.\n\nChannel 0: Yeah.\n\nChannel 1: So it's just all professional development.\n\nChannel 0: I love that. That's fantastic. No. That's awesome. Beautiful.\n\nWell, I have sent the email there to you. So you've got your statement of advice in your emails. We also have attached the financial services guide, the appendices with the research conducted. And depending on how much reading you enjoy doing, I've also got the product disclosure statements for Hub twenty four and ClearViews. You're welcome to run your eyes over that.\n\nIn the recommendations which I've outlined in the document, we've also got the risks, advantages, disadvantages. I run through some of those with you, but there's quite an extensive range in there for you to run your eyes\n\nChannel 1: Yeah.\n\nChannel 0: over. And then we also have the best interest duties. So any advice we do provide is linked back to your goals and noted in the in its best interest and how it's in your best interest to follow through with the recommendations there. But once you've kinda read through it, if there's any questions that come out of that, you're welcome to let me know. And if you kinda go through it, you're just happy to take on the advice.\n\nWe'll just get you to sign and return that one back there for us. Okay?\n\nChannel 1: Yep. Not a problem. Easy.\n\nChannel 0: Easy. Thank you so much. Well, that's everything I needed to touch on, but thank you so much for your time. I hope you get home soon and can put your feet up.\n\nChannel 1: Another thirty minutes, and I'll be there. That's all good.\n\nChannel 0: Oh, bless you. Look. I've got another probably half an hour or a bit longer at work. I finish\n\nChannel 1: Well,\n\nChannel 0: at\n\nChannel 1: yeah.\n\nChannel 0: six tonight, and then I drive another forty minutes home. So I I understand that.\n\nChannel 1: Understand? Yeah. So well, that's it. Like, if I if I leave any later, it doesn't change any any, like, time difference. But I\n\nChannel 0: Yep.\n\nChannel 1: just leave when I can leave and just copy it. It is what it is sometimes.\n\nChannel 0: Absolutely. Absolutely. I don't know about you, but I find that my sitting in traffic is kind of my time. I can listen to\n\nChannel 1: Yes.\n\nChannel 0: a book or listen to, you know, something and just zone out for a little while and just have quiet. That's probably the nicest part of my day, just sitting in silence and listen to music or a podcast or a book or something.\n\nChannel 1: Yes. Yeah. Without any other distractions, you know, not allowed to answer\n\nChannel 0: Yeah.\n\nChannel 1: work calls. Yeah.\n\nChannel 0: Absolutely. No. Beautiful. Well, look. Drive safe.\n\nGet home safely, and let me know if there's any questions that yeah. It looks thank you so much for allowing me to put this together. I've really enjoyed doing the research for you. You\n\nChannel 1: Yes.\n\nChannel 0: too.\n\nChannel 1: Awesome. Thank you.\n\nChannel 0: Thanks, Richard. I'll let you\n\nChannel 1: Alright.\n\nChannel 0: go. You have a lovely evening.\n\nChannel 1: Cheers. Thank you. Bye.\n\nChannel 0: Thanks. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.92,"end":2.1599998,"sentiment":"neutral","sentiment_score":0.03487308323383331},{"text":"Richard speaking.","start":2.1599998,"end":3.06,"sentiment":"neutral","sentiment_score":0.03264455683529377}],"sentiment":"neutral","sentiment_score":0.03338739896814028,"channel":1,"num_words":3,"start":1.92,"end":3.06},{"sentences":[{"text":"Hi, Richard.","start":3.4399998,"end":4.08,"sentiment":"neutral","sentiment_score":0.17245562374591827},{"text":"It's Dana from Okey Financial.","start":4.08,"end":5.7,"sentiment":"neutral","sentiment_score":0.21167289912700654},{"text":"How are you this afternoon?","start":5.8399997,"end":6.98,"sentiment":"neutral","sentiment_score":0.25811405181884767}],"sentiment":"neutral","sentiment_score":0.22448716685175896,"channel":0,"num_words":12,"start":3.4399998,"end":6.98},{"sentences":[{"text":"Good.","start":7.3599997,"end":7.7599998,"sentiment":"positive","sentiment_score":0.5928472876548767},{"text":"Thank you.","start":7.7599998,"end":8.32,"sentiment":"positive","sentiment_score":0.6372918486595154},{"text":"Yourself?","start":8.32,"end":8.82,"sentiment":"positive","sentiment_score":0.4236487746238709}],"sentiment":"positive","sentiment_score":0.5727699398994446,"channel":1,"num_words":4,"start":7.3599997,"end":8.82},{"sentences":[{"text":"I'm very well.","start":9.2,"end":9.92,"sentiment":"positive","sentiment_score":0.6461407939592997},{"text":"Thank you.","start":9.92,"end":10.32,"sentiment":"positive","sentiment_score":0.7056351006031036},{"text":"Thanks for asking.","start":10.32,"end":11.28,"sentiment":"positive","sentiment_score":0.6736884713172913},{"text":"I had you booked in to go through your updated statement of advice.","start":11.28,"end":14.575,"sentiment":"neutral","sentiment_score":0.27635968877718997},{"text":"Is now still a good time there for you?","start":14.575,"end":16.515,"sentiment":"neutral","sentiment_score":0.2502743336889479}],"sentiment":"positive","sentiment_score":0.3738634318113327,"channel":0,"num_words":30,"start":9.2,"end":16.515},{"sentences":[{"text":"Yeah.","start":16.835001,"end":17.155,"sentiment":"neutral","sentiment_score":0.09040847420692444},{"text":"That was fine.","start":17.155,"end":17.795,"sentiment":"neutral","sentiment_score":0.12982776761054993},{"text":"I'm just driving home in traffic.","start":17.795,"end":19.975,"sentiment":"neutral","sentiment_score":-0.027744851695994537}],"sentiment":"neutral","sentiment_score":0.0313422666862607,"channel":1,"num_words":10,"start":16.835001,"end":19.975},{"sentences":[{"text":"Oh, no.","start":20.815,"end":21.535,"sentiment":"neutral","sentiment_score":-0.05050674267113209},{"text":"No.","start":21.535,"end":21.935,"sentiment":"neutral","sentiment_score":-0.05412286892533302},{"text":"That's okay.","start":21.935,"end":22.835,"sentiment":"neutral","sentiment_score":0.01501568904495798},{"text":"I normally do send the document through to you there.","start":23.375,"end":26.015,"sentiment":"neutral","sentiment_score":0.023200171627104284},{"text":"Obviously, you can't read it because you are driving.","start":26.015,"end":28.095001,"sentiment":"neutral","sentiment_score":-0.03594216725064649}],"sentiment":"neutral","sentiment_score":-0.009024281881769033,"channel":0,"num_words":24,"start":20.815,"end":28.095001},{"sentences":[{"text":"Are you comfortable with me just running through the recommendations as easily as I possibly can, and then","start":28.095001,"end":33.55,"sentiment":"neutral","sentiment_score":0.04615146511544784}],"sentiment":"neutral","sentiment_score":0.04615146511544784,"channel":0,"num_words":18,"start":28.095001,"end":33.55},{"sentences":[{"text":"Yeah.","start":33.4,"end":33.72,"sentiment":"neutral","sentiment_score":0.012310760095715525}],"sentiment":"neutral","sentiment_score":0.012310760095715525,"channel":1,"num_words":1,"start":33.4,"end":33.72},{"sentences":[{"text":"allow","start":33.55,"end":33.87,"sentiment":"neutral","sentiment_score":0.011884947307407856}],"sentiment":"neutral","sentiment_score":0.011884947307407856,"channel":0,"num_words":1,"start":33.55,"end":33.87},{"sentences":[{"text":"Yeah.","start":33.72,"end":33.96,"sentiment":"neutral","sentiment_score":0.027973834425210953}],"sentiment":"neutral","sentiment_score":0.027973834425210953,"channel":1,"num_words":1,"start":33.72,"end":33.96},{"sentences":[{"text":"you","start":33.87,"end":34.11,"sentiment":"neutral","sentiment_score":0.024143565446138385}],"sentiment":"neutral","sentiment_score":0.024143565446138385,"channel":0,"num_words":1,"start":33.87,"end":34.11},{"sentences":[{"text":"That's","start":33.96,"end":34.28,"sentiment":"neutral","sentiment_score":0.05068257078528404}],"sentiment":"neutral","sentiment_score":0.05068257078528404,"channel":1,"num_words":1,"start":33.96,"end":34.28},{"sentences":[{"text":"to go back","start":34.11,"end":34.43,"sentiment":"neutral","sentiment_score":0.04422389964262644}],"sentiment":"neutral","sentiment_score":0.04422389964262644,"channel":0,"num_words":3,"start":34.11,"end":34.43},{"sentences":[{"text":"fine.","start":34.28,"end":34.78,"sentiment":"neutral","sentiment_score":0.07286030799150467}],"sentiment":"neutral","sentiment_score":0.07286030799150467,"channel":1,"num_words":1,"start":34.28,"end":34.78},{"sentences":[{"text":"and review it later?","start":34.43,"end":35.39,"sentiment":"neutral","sentiment_score":0.05786050483584404},{"text":"Is that okay?","start":35.39,"end":36.190002,"sentiment":"neutral","sentiment_score":0.06722986573974292},{"text":"Yeah.","start":36.190002,"end":36.690002,"sentiment":"neutral","sentiment_score":0.09736420214176178}],"sentiment":"neutral","sentiment_score":0.06631197733804584,"channel":0,"num_words":8,"start":34.43,"end":36.690002},{"sentences":[{"text":"Yeah.","start":36.52,"end":36.760002,"sentiment":"neutral","sentiment_score":0.1942417025566101},{"text":"That's all good.","start":36.760002,"end":37.739998,"sentiment":"positive","sentiment_score":0.44774483640988666}],"sentiment":"positive","sentiment_score":0.38436905294656754,"channel":1,"num_words":4,"start":36.52,"end":37.739998},{"sentences":[{"text":"Fantastic.","start":38.190002,"end":38.690002,"sentiment":"positive","sentiment_score":0.6554219722747803},{"text":"That's not a problem at all.","start":38.91,"end":40.11,"sentiment":"positive","sentiment_score":0.4732828388611476},{"text":"I'll just start by sending it through so it is there when you are able to when you get home and you've got some time to run through it there.","start":40.11,"end":45.825,"sentiment":"neutral","sentiment_score":0.30947405298550923},{"text":"Once","start":46.385002,"end":46.785,"sentiment":"neutral","sentiment_score":0.1178358867764473}],"sentiment":"positive","sentiment_score":0.3393993810995629,"channel":0,"num_words":38,"start":38.190002,"end":46.785},{"sentences":[{"text":"Yep.","start":46.434998,"end":46.934998,"sentiment":"neutral","sentiment_score":0.11534522473812105}],"sentiment":"neutral","sentiment_score":0.11534522473812105,"channel":1,"num_words":1,"start":46.434998,"end":46.934998},{"sentences":[{"text":"you do sort of receive the document, please go through.","start":46.785,"end":49.185,"sentiment":"neutral","sentiment_score":0.10881955549120903},{"text":"Have a bit of a read of it.","start":49.185,"end":50.625,"sentiment":"neutral","sentiment_score":0.15617432352155447},{"text":"Let me know if there are any additional questions there, and if you're happy to take on the recommendations or just get the sign and return it","start":50.625,"end":56.625,"sentiment":"neutral","sentiment_score":0.13863243328200447}],"sentiment":"neutral","sentiment_score":0.13512590759330326,"channel":0,"num_words":45,"start":46.785,"end":56.625},{"sentences":[{"text":"Yep.","start":56.489998,"end":56.989998,"sentiment":"neutral","sentiment_score":0.05107918009161949}],"sentiment":"neutral","sentiment_score":0.05107918009161949,"channel":1,"num_words":1,"start":56.489998,"end":56.989998},{"sentences":[{"text":"back there for me.","start":56.625,"end":57.505,"sentiment":"neutral","sentiment_score":0.05485991481691599},{"text":"Okay?","start":57.505,"end":58.005,"sentiment":"neutral","sentiment_score":0.045453473925590515}],"sentiment":"neutral","sentiment_score":0.0529786266386509,"channel":0,"num_words":5,"start":56.625,"end":58.005},{"sentences":[{"text":"Yep.","start":58.57,"end":58.89,"sentiment":"neutral","sentiment_score":0.0644320622086525},{"text":"Not a problem.","start":58.89,"end":59.71,"sentiment":"neutral","sentiment_score":0.21041594445705414}],"sentiment":"neutral","sentiment_score":0.17391997389495373,"channel":1,"num_words":4,"start":58.57,"end":59.71},{"sentences":[{"text":"Excellent.","start":59.210003,"end":59.710003,"sentiment":"positive","sentiment_score":0.5327927470207214},{"text":"Fantastic.","start":59.93,"end":60.43,"sentiment":"positive","sentiment_score":0.544945478439331},{"text":"Before I jump in and start going to this, I do have to let you know, moving forward, our calls are recorded for training and quality purposes.","start":60.65,"end":66.270004,"sentiment":"neutral","sentiment_score":0.16364033106300566},{"text":"Are you happy for me to proceed with that?","start":66.33,"end":68.43,"sentiment":"neutral","sentiment_score":0.15477726029025185}],"sentiment":"neutral","sentiment_score":0.18129006596772293,"channel":0,"num_words":38,"start":59.210003,"end":68.43},{"sentences":[{"text":"Yep.","start":68.729996,"end":69.049995,"sentiment":"neutral","sentiment_score":0.08430662751197815},{"text":"That's five.","start":69.049995,"end":69.869995,"sentiment":"neutral","sentiment_score":0.15243126451969147}],"sentiment":"neutral","sentiment_score":0.12972305218378702,"channel":1,"num_words":3,"start":68.729996,"end":69.869995},{"sentences":[{"text":"Fantastic.","start":70.17,"end":70.65,"sentiment":"positive","sentiment_score":0.4568614959716797},{"text":"And I'll just do a quick security check there for you.","start":70.65,"end":72.65,"sentiment":"neutral","sentiment_score":0.22911117564548145},{"text":"So to confirm your full name, your date of birth, and address I should have on file.","start":72.65,"end":76.425,"sentiment":"neutral","sentiment_score":0.14842268868404276}],"sentiment":"neutral","sentiment_score":0.18966448743795528,"channel":0,"num_words":29,"start":70.17,"end":76.425},{"sentences":[{"text":"Yeah.","start":76.715004,"end":77.035,"sentiment":"neutral","sentiment_score":0.053701188415288925},{"text":"Richard Janita Picci, twenty ninth of July nineteen ninety and six Sonja Street, Ferndale.","start":77.035,"end":82.255005,"sentiment":"neutral","sentiment_score":0.06503729442400592}],"sentiment":"neutral","sentiment_score":0.06428155402342478,"channel":1,"num_words":15,"start":76.715004,"end":82.255005},{"sentences":[{"text":"Beautiful.","start":82.885,"end":83.385,"sentiment":"positive","sentiment_score":0.48137882351875305},{"text":"Thank you so much for that.","start":83.525,"end":85.065,"sentiment":"positive","sentiment_score":0.6157559156417847},{"text":"Richard, when you do see the document there, on the front page, it does have your name.","start":85.439995,"end":89.28,"sentiment":"neutral","sentiment_score":0.17508331423296647},{"text":"It's also got my license number.","start":89.28,"end":90.88,"sentiment":"neutral","sentiment_score":0.13252801075577736},{"text":"So I'm a licensed financial adviser registered with ASIC, and my registration number is 130 sorry.","start":90.88,"end":96.0,"sentiment":"neutral","sentiment_score":0.10184050165116787}],"sentiment":"neutral","sentiment_score":0.20819449457137482,"channel":0,"num_words":46,"start":82.885,"end":96.0},{"sentences":[{"text":"1304394.","start":96.0,"end":97.939995,"sentiment":"neutral","sentiment_score":0.014528014697134497},{"text":"The areas with regard to this advice, it sort of came off the back of your annual review there.","start":98.725,"end":102.325,"sentiment":"neutral","sentiment_score":-0.02944951014299142},{"text":"So we're looking at superannuation.","start":102.325,"end":103.545,"sentiment":"neutral","sentiment_score":-0.0017118061892688274},{"text":"You're sort of tracking to try and access super about the age of 65, and we had noted there was some underperforming investments.","start":104.16499,"end":109.765,"sentiment":"neutral","sentiment_score":-0.018527461641022692},{"text":"So we wanted to kinda go back and review those and have those updated there for you as well.","start":109.765,"end":114.42,"sentiment":"neutral","sentiment_score":0.03513310604581708}],"sentiment":"neutral","sentiment_score":-0.004659318087149912,"channel":0,"num_words":67,"start":96.0,"end":114.42},{"sentences":[{"text":"We were also looking at the insurance aspect.","start":115.520004,"end":118.0,"sentiment":"neutral","sentiment_score":-0.006537342211231589},{"text":"So you were happy with your life and TBD, but your income had changed slightly.","start":118.0,"end":121.92,"sentiment":"neutral","sentiment_score":0.06790164311726889},{"text":"So we were looking at increasing your income protection to keep you in line with being able to claim the maximum seven 70% if you were off work due to illness or injury.","start":121.92,"end":130.395,"sentiment":"neutral","sentiment_score":0.08102955894939827},{"text":"Does that still sound fairly appropriate for you?","start":130.395,"end":132.895,"sentiment":"neutral","sentiment_score":0.08543845266103745}],"sentiment":"neutral","sentiment_score":0.06755795274511911,"channel":0,"num_words":64,"start":115.520004,"end":132.895},{"sentences":[{"text":"Yes.","start":133.665,"end":134.06499,"sentiment":"neutral","sentiment_score":0.14516228437423706},{"text":"Yeah.","start":134.06499,"end":134.56499,"sentiment":"neutral","sentiment_score":0.19848112761974335}],"sentiment":"neutral","sentiment_score":0.1718217059969902,"channel":1,"num_words":2,"start":133.665,"end":134.56499},{"sentences":[{"text":"Yep.","start":134.555,"end":135.055,"sentiment":"neutral","sentiment_score":0.3219248056411743},{"text":"Beautiful.","start":135.115,"end":135.615,"sentiment":"positive","sentiment_score":0.6293561458587646},{"text":"And then I've also just scoped in the beneficiary side things as well, just making sure that your beneficiaries are up to date.","start":135.995,"end":141.84,"sentiment":"neutral","sentiment_score":0.2773126551638479},{"text":"I can see that my team is yet to post those out to you, but I will make sure they are completed this week for you as well.","start":142.06,"end":149.5,"sentiment":"neutral","sentiment_score":0.2244066223502159},{"text":"Okay?","start":149.5,"end":150.0,"sentiment":"neutral","sentiment_score":0.10608147829771042}],"sentiment":"neutral","sentiment_score":0.25405442452541105,"channel":0,"num_words":54,"start":134.555,"end":150.0},{"sentences":[{"text":"Yeah.","start":149.85,"end":150.33,"sentiment":"neutral","sentiment_score":0.11774106323719025},{"text":"Not a problem.","start":150.33,"end":151.15001,"sentiment":"neutral","sentiment_score":0.28624535103638965}],"sentiment":"neutral","sentiment_score":0.2441192790865898,"channel":1,"num_words":4,"start":149.85,"end":151.15001},{"sentences":[{"text":"Fantastic.","start":151.815,"end":152.315,"sentiment":"positive","sentiment_score":0.592639684677124},{"text":"Essentially, with regard to the recommendations there, sir, I did go back and have a bit of a look at your super as well as looking at any other funds out there just to sort of make sure that you were in the correct fund, see if there was any sort of reason to change out of the fund there.","start":153.575,"end":166.65,"sentiment":"neutral","sentiment_score":0.015547263498107592},{"text":"There isn't at the moment, so I am recommending you do retain hub twenty four for the time being.","start":166.81,"end":171.39,"sentiment":"neutral","sentiment_score":-0.11135296562784597},{"text":"Essentially, one of the things I do look at when I am recommending whether to change a a platform or a super fund is essentially the capital gains consequences there.","start":171.53,"end":180.735,"sentiment":"neutral","sentiment_score":-0.07359685574968657},{"text":"One of the things I did sorta notice was that if we had to sell down your whole portfolio and move you to another fund, we would have triggered a full sell down and a CTT for approximately $3,085.","start":181.05501,"end":192.255,"sentiment":"neutral","sentiment_score":-0.12358835664315101}],"sentiment":"neutral","sentiment_score":-0.05112807002643611,"channel":0,"num_words":149,"start":151.815,"end":192.255},{"sentences":[{"text":"So we do try to retain and limit the amount of tax consequences on your super fund because the more tax that is paid, the less your balance is and the harder it can be to kind of obtain that money back there.","start":192.255,"end":204.74,"sentiment":"neutral","sentiment_score":-0.16851213019947672},{"text":"So I am","start":204.74,"end":205.94,"sentiment":"neutral","sentiment_score":0.09999563544988632}],"sentiment":"neutral","sentiment_score":-0.1510007541788661,"channel":0,"num_words":46,"start":192.255,"end":205.94},{"sentences":[{"text":"Yes.","start":205.82,"end":206.32,"sentiment":"neutral","sentiment_score":0.1964951455593109}],"sentiment":"neutral","sentiment_score":0.1964951455593109,"channel":1,"num_words":1,"start":205.82,"end":206.32},{"sentences":[{"text":"recommending that that we do keep your super fund exactly as it is within HUB twenty four, and we just switch the investments.","start":205.94,"end":212.365,"sentiment":"neutral","sentiment_score":0.15408130211796126},{"text":"Essentially, Hub twenty four does actually have over a thousand investments to sort of choose from.","start":212.82501,"end":218.66501,"sentiment":"neutral","sentiment_score":0.2532904497347772},{"text":"So we do have a lot of different investments that we can sort of switch you into.","start":218.66501,"end":222.205,"sentiment":"positive","sentiment_score":0.3845968395471573},{"text":"So it is still one of the better funds out there.","start":222.505,"end":225.005,"sentiment":"positive","sentiment_score":0.6268475380810824},{"text":"When I am looking to change the investments, essentially, what I'm looking to do is we talked about how the bank hybrids are to be essentially phased out down the track there.","start":226.53,"end":235.35,"sentiment":"neutral","sentiment_score":0.08670744765549898}],"sentiment":"neutral","sentiment_score":0.24045075414786962,"channel":0,"num_words":99,"start":205.94,"end":235.35},{"sentences":[{"text":"So I am recommending we sell those down to zero.","start":235.41,"end":237.97,"sentiment":"neutral","sentiment_score":0.017524898052215576},{"text":"We'll place them as a defensive investment.","start":237.97,"end":240.145,"sentiment":"neutral","sentiment_score":0.21526340501649038},{"text":"It's better while we are making changes now to make all the changes rather than some now and then some down the track when we have to later on.","start":240.52501,"end":248.30501,"sentiment":"neutral","sentiment_score":0.18383387835889026},{"text":"You've got the global agriculture in there.","start":249.005,"end":251.24501,"sentiment":"neutral","sentiment_score":0.051664158169712336},{"text":"Hasn't done too bad, but I am looking to sell that down completely as well.","start":251.24501,"end":255.09,"sentiment":"neutral","sentiment_score":-0.0922965464492639}],"sentiment":"neutral","sentiment_score":0.08809523821315345,"channel":0,"num_words":68,"start":235.41,"end":255.09},{"sentences":[{"text":"You do also have some physical gold within your portfolio.","start":255.55,"end":258.29,"sentiment":"neutral","sentiment_score":0.19109531342983246},{"text":"Physical gold has done really, really well.","start":258.51,"end":260.85,"sentiment":"positive","sentiment_score":0.4303208461829594},{"text":"We only wanna hold about 8%.","start":261.07,"end":262.83,"sentiment":"neutral","sentiment_score":0.1532528114815553},{"text":"So you do have currently have 15.50%.","start":262.83,"end":265.88998,"sentiment":"neutral","sentiment_score":0.16150757244655065},{"text":"You are a bit overweighted in physical gold, so we're gonna rebalance your portfolio back there and just sell some of that.","start":266.16498,"end":272.26498,"sentiment":"neutral","sentiment_score":0.08115927553312345}],"sentiment":"neutral","sentiment_score":0.1684379422177489,"channel":0,"num_words":52,"start":255.55,"end":272.26498},{"sentences":[{"text":"That essentially cements the gain that's being made, and we can redistribute that across the rest of your portfolio there as well.","start":272.565,"end":279.065,"sentiment":"positive","sentiment_score":0.3646814978935502}],"sentiment":"positive","sentiment_score":0.3646814978935502,"channel":0,"num_words":22,"start":272.565,"end":279.065},{"sentences":[{"text":"Yes.","start":279.615,"end":280.115,"sentiment":"neutral","sentiment_score":0.12315168976783752}],"sentiment":"neutral","sentiment_score":0.12315168976783752,"channel":1,"num_words":1,"start":279.615,"end":280.115},{"sentences":[{"text":"You do have some cybersecurity.","start":280.59,"end":282.05,"sentiment":"neutral","sentiment_score":0.08353772759437561},{"text":"Has been a bit up and down this year, but overall has been doing very, very well.","start":282.59,"end":286.61,"sentiment":"neutral","sentiment_score":0.10521553675918018},{"text":"Cybersecurity is still a place we wanna keep invested in your portfolio there.","start":286.83,"end":290.75,"sentiment":"neutral","sentiment_score":0.09517556543533619},{"text":"So we only wanna hold about 5%.","start":290.75,"end":293.06998,"sentiment":"neutral","sentiment_score":0.026690203696489334},{"text":"You've got a bit over six percent there at the moment.","start":293.06998,"end":295.39502,"sentiment":"neutral","sentiment_score":0.04807830398732966}],"sentiment":"neutral","sentiment_score":0.07847788459006345,"channel":0,"num_words":53,"start":280.59,"end":295.39502},{"sentences":[{"text":"So it's about just rebalancing your portfolio back and selling some of that.","start":295.45502,"end":299.075,"sentiment":"neutral","sentiment_score":0.06113069103314327},{"text":"We wanna keep the S and P 500 to keep access to The US market there.","start":299.695,"end":303.935,"sentiment":"neutral","sentiment_score":0.16784593695774674},{"text":"You've got so we wanna hold 20%.","start":303.935,"end":305.935,"sentiment":"neutral","sentiment_score":0.12383416720799037},{"text":"You currently have 28.40.","start":305.935,"end":308.415,"sentiment":"neutral","sentiment_score":0.07489769533276558},{"text":"So we're gonna rebalance sell some of that to sort of bring you down to 20% then.","start":308.415,"end":313.25,"sentiment":"neutral","sentiment_score":0.13955183371024973}],"sentiment":"neutral","sentiment_score":0.12314114209852721,"channel":0,"num_words":57,"start":295.45502,"end":313.25},{"sentences":[{"text":"We are also keeping the beta shares Rafi 200.","start":314.19,"end":317.79,"sentiment":"neutral","sentiment_score":0.25551474425527787},{"text":"So giving you exposure to some of the top 200 companies on the ASX there.","start":317.79,"end":321.885,"sentiment":"neutral","sentiment_score":0.2473283141851425},{"text":"You've essentially got 15 we wanna hold 15%.","start":322.445,"end":325.405,"sentiment":"neutral","sentiment_score":0.16262288205325603},{"text":"You've got about 18 in your portfolio at the moment.","start":325.405,"end":327.725,"sentiment":"neutral","sentiment_score":0.08122549094259739},{"text":"So, again, it is just kind of reweighting the portfolio back.","start":327.725,"end":330.70502,"sentiment":"neutral","sentiment_score":-0.1909232410517606}],"sentiment":"neutral","sentiment_score":0.11363471179919422,"channel":0,"num_words":53,"start":314.19,"end":330.70502},{"sentences":[{"text":"With the Van Along Australian Equities, we are getting rid of that completely.","start":331.725,"end":335.265,"sentiment":"neutral","sentiment_score":-0.269090304007897},{"text":"That is the one that's been underperforming as we kinda went through before.","start":335.64502,"end":339.08,"sentiment":"negative","sentiment_score":-0.46269160509109497},{"text":"So we are gonna sell that completely down and remove that from your portfolio and replace that to make sure you still have Australian equity 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made.","start":363.54498,"end":368.87,"sentiment":"neutral","sentiment_score":-0.263720802590251},{"text":"Essentially, once we kinda to complete all of those sales and rebalance things back a little bit, what you will see in your portfolio is that at 8% in physical gold, 5% is cybersecurity, 20% invested in the S and P 500, so it's The US market.","start":370.28998,"end":385.27502,"sentiment":"neutral","sentiment_score":0.0854707695543766},{"text":"We'll keep 15% in the Rafi two 100, and we're also gonna invest 5% into the India quality ETF.","start":385.89502,"end":393.015,"sentiment":"neutral","sentiment_score":0.18492079447758825},{"text":"So India has seen some really good gains, and we do wanna keep a bit of exposure in that area.","start":393.015,"end":398.02,"sentiment":"positive","sentiment_score":0.3724712699651718}],"sentiment":"neutral","sentiment_score":0.00039190423646659565,"channel":0,"num_words":132,"start":356.665,"end":398.02},{"sentences":[{"text":"So we'll add 5% into the India market.","start":398.02,"end":400.6,"sentiment":"neutral","sentiment_score":0.2590538188815117},{"text":"Global Healthcare has seen some good gains, and it is still a place we wanna, you know, stay in or be invested, essentially.","start":401.3,"end":407.56,"sentiment":"positive","sentiment_score":0.3338368658138358},{"text":"So we're gonna have about 4% in the Global Healthcare.","start":408.025,"end":411.16498,"sentiment":"neutral","sentiment_score":0.3000818699598312},{"text":"Again, it's giving you diversification, so we're looking globally for that investment there as well.","start":411.22498,"end":416.04498,"sentiment":"neutral","sentiment_score":0.3230419864257177},{"text":"And then because we are removing, essentially, the ban along Australian equities, we're investing 10% into the beta shares a 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heavily.","start":443.515,"end":445.195,"sentiment":"neutral","sentiment_score":0.26345321983098985}],"sentiment":"neutral","sentiment_score":0.24677893036493548,"channel":0,"num_words":54,"start":424.66,"end":445.195},{"sentences":[{"text":"The Rafi also encompasses some mid cap there as well, so it is a positive sign for you.","start":445.195,"end":449.935,"sentiment":"positive","sentiment_score":0.5582124524646335},{"text":"But, essentially, we wanna see about 25% in the Australian equity space, and this is where that's giving you access and exposure.","start":450.155,"end":456.19,"sentiment":"positive","sentiment_score":0.3761797310276465},{"text":"By keeping the Raffy and having the a 200 there and removing that along, we're also increasing your diversification in your portfolio.","start":456.97,"end":463.87,"sentiment":"positive","sentiment_score":0.50719607824629},{"text":"So it's helping to lower your overall risk of the portfolio there as well, which is a positive thing.","start":463.93,"end":469.705,"sentiment":"positive","sentiment_score":0.6838466242740029}],"sentiment":"positive","sentiment_score":0.524384911229581,"channel":0,"num_words":81,"start":445.195,"end":469.705},{"sentences":[{"text":"Yeah.","start":470.47,"end":470.955,"sentiment":"neutral","sentiment_score":0.24671730399131775}],"sentiment":"neutral","sentiment_score":0.24671730399131775,"channel":1,"num_words":1,"start":470.47,"end":470.955},{"sentences":[{"text":"We also got the JPMorgan Global Research Enhanced Equity Fund.","start":471.60498,"end":475.625,"sentiment":"neutral","sentiment_score":0.2387975886464119},{"text":"It's a long name.","start":475.685,"end":476.82498,"sentiment":"neutral","sentiment_score":0.18476847931742668},{"text":"Essentially, we're gonna add 15% exposure into that.","start":477.285,"end":481.125,"sentiment":"neutral","sentiment_score":0.19255360402166843},{"text":"That is a little bit of an actively managed fund.","start":481.125,"end":483.91998,"sentiment":"neutral","sentiment_score":0.21950918585062026},{"text":"It is mostly passive.","start":483.91998,"end":485.12,"sentiment":"neutral","sentiment_score":0.19069823250174522}],"sentiment":"neutral","sentiment_score":0.21181565067834324,"channel":0,"num_words":36,"start":471.60498,"end":485.12},{"sentences":[{"text":"It's a low cost fund, but it utilizes JPMorgan's research team to find areas globally for where they want to maybe add a little bit of additional growth or be invested in.","start":485.12,"end":496.34,"sentiment":"neutral","sentiment_score":0.19721961673349142},{"text":"JB and Morgan's research team has been around forever.","start":496.715,"end":499.19498,"sentiment":"neutral","sentiment_score":0.2571993072827657},{"text":"They are a really great team.","start":499.19498,"end":500.47498,"sentiment":"positive","sentiment_score":0.6654974023501078},{"text":"They have some really great researchers there, and they do very well as a whole.","start":500.47498,"end":504.63498,"sentiment":"positive","sentiment_score":0.5091629525025686},{"text":"So it's about because you're younger, you can take a little bit have a little bit of active management in your portfolio.","start":504.63498,"end":510.41498,"sentiment":"neutral","sentiment_score":0.2118634364821694}],"sentiment":"neutral","sentiment_score":0.2966338786340895,"channel":0,"num_words":84,"start":485.12,"end":510.41498},{"sentences":[{"text":"We wanted to keep this here to give you that little bit of active management, but also try and make the portfolio as cheap as possible.","start":510.47498,"end":516.8,"sentiment":"neutral","sentiment_score":0.2022606415244249},{"text":"Does that all make sense so far?","start":516.86,"end":518.56,"sentiment":"neutral","sentiment_score":0.11782609564917428}],"sentiment":"neutral","sentiment_score":0.18435028330846268,"channel":0,"num_words":33,"start":510.47498,"end":518.56},{"sentences":[{"text":"Yes.","start":519.01996,"end":519.33997,"sentiment":"neutral","sentiment_score":0.15811002254486084},{"text":"Yeah.","start":519.33997,"end":519.83997,"sentiment":"neutral","sentiment_score":0.19560152292251587}],"sentiment":"neutral","sentiment_score":0.17685577273368835,"channel":1,"num_words":2,"start":519.01996,"end":519.83997},{"sentences":[{"text":"Yep.","start":519.98,"end":520.38,"sentiment":"neutral","sentiment_score":0.2490508258342743},{"text":"Beautiful.","start":520.38,"end":520.88,"sentiment":"positive","sentiment_score":0.4537788927555084},{"text":"And then defensive investment.","start":521.02,"end":522.62,"sentiment":"neutral","sentiment_score":0.19227303937077522},{"text":"So you are in that growth environment.","start":522.62,"end":524.32,"sentiment":"neutral","sentiment_score":0.13795260339975357},{"text":"So that's a 8020 split that we went through last time.","start":524.45996,"end":527.88495,"sentiment":"neutral","sentiment_score":0.15011662515726956}],"sentiment":"neutral","sentiment_score":0.17036970735838017,"channel":0,"num_words":24,"start":519.98,"end":527.88495},{"sentences":[{"text":"So we do wanna keep about 20% in defensive low risk investments.","start":527.88495,"end":531.64496,"sentiment":"neutral","sentiment_score":0.16551865823566914},{"text":"So we're keeping in there the iShield e sorry.","start":531.64496,"end":534.285,"sentiment":"neutral","sentiment_score":0.1251971481574906},{"text":"I iShares Yield Plus.","start":534.285,"end":536.225,"sentiment":"neutral","sentiment_score":0.19797943159937859},{"text":"It's giving you access to fixed interest and high it's sort of looking at things that pay really good dividends and high yields to income producing and then core composite bonds.","start":536.685,"end":546.33997,"sentiment":"neutral","sentiment_score":0.301699104808992},{"text":"They're giving you access to government and corporate bonds.","start":546.33997,"end":549.46,"sentiment":"neutral","sentiment_score":0.2672627468903859}],"sentiment":"neutral","sentiment_score":0.24096850661131053,"channel":0,"num_words":65,"start":527.88495,"end":549.46},{"sentences":[{"text":"It also does have some global exposure into notes and fixed interest there as well.","start":549.46,"end":554.065,"sentiment":"neutral","sentiment_score":0.19520599742730457},{"text":"So those two investments are more about having a little bit of low risk investing, having some defensive assets, income production as well because income is something we wanna see in happening.","start":554.065,"end":564.625,"sentiment":"neutral","sentiment_score":0.2887804617639631},{"text":"We wanna see income being produced out of your investments, paid into your cash account, which can be redistributed across your portfolio, and that does help with the compounding effect there as well.","start":564.625,"end":574.81,"sentiment":"positive","sentiment_score":0.42788793688470667},{"text":"That is a lot to go through when you're not looking at the document, and I fully understand that.","start":575.51,"end":580.065,"sentiment":"neutral","sentiment_score":-0.1958478148046293},{"text":"Do 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be.","start":581.74,"end":584.945,"sentiment":"negative","sentiment_score":-0.3377017246352302}],"sentiment":"negative","sentiment_score":-0.3377017246352302,"channel":1,"num_words":9,"start":581.74,"end":584.945},{"sentences":[{"text":"No.","start":585.825,"end":586.065,"sentiment":"neutral","sentiment_score":-0.1053972989320755},{"text":"You're fine, honestly.","start":586.065,"end":587.205,"sentiment":"neutral","sentiment_score":0.0634879320859909},{"text":"When you do happen to have a look at the document, page number 20 outlines essentially what the buyers and sales look like.","start":587.985,"end":593.34503,"sentiment":"neutral","sentiment_score":0.15304011721973834},{"text":"The reds are buy sells, the greens are are buyers, and the very last column essentially shows you where you'll see all of your super invested once we make those changes there for you.","start":593.34503,"end":602.98,"sentiment":"neutral","sentiment_score":0.2332268567646251}],"sentiment":"neutral","sentiment_score":0.18909348071110052,"channel":0,"num_words":61,"start":585.825,"end":602.98},{"sentences":[{"text":"Yes.","start":603.47003,"end":603.97003,"sentiment":"positive","sentiment_score":0.3345198929309845}],"sentiment":"positive","sentiment_score":0.3345198929309845,"channel":1,"num_words":1,"start":603.47003,"end":603.97003},{"sentences":[{"text":"So a lot of the reasoning behind the changes, as I kinda went through before, I do look at the capital gains consequences for making the changes there.","start":603.68,"end":611.54,"sentiment":"neutral","sentiment_score":0.19557037098067148},{"text":"Obviously, I wanted to limit those as much as possible, and I was able to work out by making these switches within your portfolio.","start":612.135,"end":618.315,"sentiment":"positive","sentiment_score":0.3558834008872509},{"text":"Your super fund has no capital gains consequences, so we're utilizing the underperformance of some of the investments to complete the switches and to essentially limit or completely reduce the capital gains consequences.","start":618.85504,"end":632.3,"sentiment":"neutral","sentiment_score":0.3058612035079436},{"text":"So we can make those changes within your portfolio and switch the investments, and there's no CDT consequences to your super fund to take into account, which is a positive.","start":632.44,"end":641.26,"sentiment":"positive","sentiment_score":0.603017004330953}],"sentiment":"positive","sentiment_score":0.3669661030821178,"channel":0,"num_words":115,"start":603.68,"end":641.26},{"sentences":[{"text":"Yeah.","start":642.3,"end":642.62,"sentiment":"neutral","sentiment_score":0.3194659650325775},{"text":"No.","start":642.62,"end":642.77997,"sentiment":"positive","sentiment_score":0.3469966650009155},{"text":"It's 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cheaper.","start":651.80505,"end":653.885,"sentiment":"positive","sentiment_score":0.46921466290950775}],"sentiment":"neutral","sentiment_score":0.24647381284407208,"channel":0,"num_words":35,"start":644.445,"end":653.885},{"sentences":[{"text":"So it's expected to save you $294 on for the first year on investment fees.","start":653.885,"end":660.18,"sentiment":"positive","sentiment_score":0.6597122609615326},{"text":"So it's less money being paid out in fees, more money stays in your super working harder for you.","start":660.18,"end":665.24,"sentiment":"positive","sentiment_score":0.5616704805901176},{"text":"The other thing that I looked at is the five year rolling average.","start":665.77997,"end":669.14,"sentiment":"neutral","sentiment_score":0.10399310233501288},{"text":"So the current portfolio has averaged about 9.24% when we kinda look at the research data.","start":669.14,"end":675.09503,"sentiment":"neutral","sentiment_score":0.12621323252096772},{"text":"This newer portfolio over the past five years has averaged about 10.53%.","start":675.315,"end":680.115,"sentiment":"neutral","sentiment_score":0.20368803556387624}],"sentiment":"positive","sentiment_score":0.35177335364123186,"channel":0,"num_words":75,"start":653.885,"end":680.115},{"sentences":[{"text":"So, realistically, if this newer portfolio can do what it has done over the next sort of five years, offer saving in fees and no CGT consequences, it can essentially put you in a much greater position moving forward.","start":680.115,"end":691.76,"sentiment":"positive","sentiment_score":0.5280322486009353},{"text":"So it's essentially weighing up no CGT consequences, a better performing portfolio, and a cheaper portfolio, and what that can do for you over the next five to 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questions?","start":708.805,"end":709.845,"sentiment":"neutral","sentiment_score":0.10091490745544433},{"text":"You're welcome to let me know if you do.","start":709.845,"end":711.70496,"sentiment":"neutral","sentiment_score":0.2852218730582131}],"sentiment":"positive","sentiment_score":0.3743820452973956,"channel":0,"num_words":42,"start":701.925,"end":711.70496},{"sentences":[{"text":"Yeah.","start":711.665,"end":711.90497,"sentiment":"neutral","sentiment_score":0.130299374461174},{"text":"No.","start":711.90497,"end":712.065,"sentiment":"neutral","sentiment_score":0.1702459454536438},{"text":"That's so good.","start":712.065,"end":712.785,"sentiment":"positive","sentiment_score":0.3474885920683543},{"text":"Yeah.","start":712.785,"end":713.285,"sentiment":"positive","sentiment_score":0.4608604311943054}],"sentiment":"neutral","sentiment_score":0.30064525455236435,"channel":1,"num_words":6,"start":711.665,"end":713.285},{"sentences":[{"text":"Beautiful.","start":714.70996,"end":715.20996,"sentiment":"positive","sentiment_score":0.6052488088607788},{"text":"The other thing that we sort of talked about was the income protection side of things.","start":716.31,"end":719.75,"sentiment":"neutral","sentiment_score":0.14781024912372231},{"text":"So we did a bit of a pre assessment with you.","start":719.75,"end":721.91,"sentiment":"neutral","sentiment_score":0.13290745968168433},{"text":"We are just retaining your life and TBD as it is, but we are recommending that we do increase your income protection in line with your income 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all.","start":749.61,"end":754.885,"sentiment":"neutral","sentiment_score":0.15129058361053466},{"text":"It is structured and linked to your current life and TBT policies.","start":755.185,"end":758.385,"sentiment":"neutral","sentiment_score":0.15885699974993864},{"text":"No change there.","start":758.385,"end":759.445,"sentiment":"neutral","sentiment_score":-0.0011203810572624207}],"sentiment":"neutral","sentiment_score":0.12447365804722435,"channel":0,"num_words":57,"start":741.37,"end":759.445},{"sentences":[{"text":"And, essentially, when we look at the difference so your current policy sorry, is costing about $1,043.40 there with the newer policy, obviously, increasing your life and increasing your income protection.","start":759.82495,"end":774.6,"sentiment":"neutral","sentiment_score":0.07114221254784253},{"text":"The amount, it's essentially doubling the policy.","start":775.13995,"end":778.33997,"sentiment":"neutral","sentiment_score":0.04915164943252291},{"text":"So the yearly premium is expected to be about $2,083.","start":778.33997,"end":781.95996,"sentiment":"neutral","sentiment_score":-0.0064250299707055095},{"text":"It is increasing the cost by 1,040 for the year.","start":782.465,"end":785.905,"sentiment":"neutral","sentiment_score":-0.05046417117118836},{"text":"So the main sort of reason that was a thing was when we kind of went back and reviewed your pre assessments and went out to the market to see how that would be assessed.","start":785.905,"end":796.17,"sentiment":"neutral","sentiment_score":-0.08070933148264885}],"sentiment":"neutral","sentiment_score":-0.00907794062689107,"channel":0,"num_words":93,"start":759.82495,"end":796.17},{"sentences":[{"text":"They are essentially looking at a left knee exclusion because of your previous injury.","start":797.05,"end":802.58997,"sentiment":"neutral","sentiment_score":-0.16044758898871286},{"text":"You do have smoker rates in the policy as a smoker.","start":803.20996,"end":805.87,"sentiment":"neutral","sentiment_score":-0.170576158572327},{"text":"They are adding an exclusion for your secondary occupation because you are doing two jobs.","start":806.49,"end":812.195,"sentiment":"negative","sentiment_score":-0.3756459573904673},{"text":"They'll cover your main and primary occupation, but they won't cover your secondary occupation, unfortunately.","start":812.255,"end":818.755,"sentiment":"neutral","sentiment_score":-0.31308451990286507}],"sentiment":"neutral","sentiment_score":-0.262792020900683,"channel":0,"num_words":55,"start":797.05,"end":818.755},{"sentences":[{"text":"Yeah.","start":819.775,"end":820.275,"sentiment":"neutral","sentiment_score":-0.10291320085525511}],"sentiment":"neutral","sentiment_score":-0.10291320085525511,"channel":1,"num_words":1,"start":819.775,"end":820.275},{"sentences":[{"text":"And they are adding a 50% loading onto the policy as well.","start":820.975,"end":824.49,"sentiment":"neutral","sentiment_score":-0.09041384235024452},{"text":"These all can be reviewable down the time.","start":824.73,"end":826.73,"sentiment":"neutral","sentiment_score":0.03505722060799599},{"text":"It's just all about sort of what they reviewed upfront and how they assess the risk of the insurance.","start":826.73,"end":832.75,"sentiment":"neutral","sentiment_score":-0.05726439571988426},{"text":"It is still preferred to put that in place because it gives you a higher level of cover.","start":833.69,"end":838.58997,"sentiment":"neutral","sentiment_score":0.06402191188600329},{"text":"It's just that the only thing that really affects is the knee exclusion and the secondary occupation there.","start":838.745,"end":843.945,"sentiment":"neutral","sentiment_score":-0.23538638527194658}],"sentiment":"neutral","sentiment_score":-0.06636123177284996,"channel":0,"num_words":75,"start":820.975,"end":843.945},{"sentences":[{"text":"Does that all make sense?","start":843.945,"end":844.985,"sentiment":"neutral","sentiment_score":-0.011515902355313301}],"sentiment":"neutral","sentiment_score":-0.011515902355313301,"channel":0,"num_words":5,"start":843.945,"end":844.985},{"sentences":[{"text":"Yes.","start":844.75,"end":845.235,"sentiment":"neutral","sentiment_score":0.04519656300544739}],"sentiment":"neutral","sentiment_score":0.04519656300544739,"channel":1,"num_words":1,"start":844.75,"end":845.235},{"sentences":[{"text":"Do you have any questions?","start":844.985,"end":846.285,"sentiment":"neutral","sentiment_score":0.0353436678647995}],"sentiment":"neutral","sentiment_score":0.0353436678647995,"channel":0,"num_words":5,"start":844.985,"end":846.285},{"sentences":[{"text":"No.","start":847.15497,"end":847.39496,"sentiment":"neutral","sentiment_score":-0.17117974162101746},{"text":"No.","start":847.39496,"end":847.71497,"sentiment":"neutral","sentiment_score":-0.20041057467460632},{"text":"Not 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now.","start":859.27,"end":863.43,"sentiment":"neutral","sentiment_score":-0.03337855469435454}],"sentiment":"neutral","sentiment_score":-0.003667338636883518,"channel":0,"num_words":57,"start":848.425,"end":863.43},{"sentences":[{"text":"We're also building super paying down debts and building our savings and portfolios and things.","start":863.43,"end":868.47,"sentiment":"neutral","sentiment_score":0.09828869203726451},{"text":"But as we get older, we should be able to reduce the level of cover back a little bit as well.","start":868.47,"end":872.575,"sentiment":"neutral","sentiment_score":-0.058461877561750863},{"text":"So we'll make sure to review the cover with you on a regular basis and make sure to make updates to that as needed as well.","start":872.575,"end":880.03503,"sentiment":"neutral","sentiment_score":0.09049906237767293},{"text":"So yeah.","start":880.655,"end":881.55505,"sentiment":"neutral","sentiment_score":-0.0008854148909449577}],"sentiment":"neutral","sentiment_score":0.04059118349687196,"channel":0,"num_words":64,"start":863.43,"end":881.55505},{"sentences":[{"text":"With the,","start":881.445,"end":882.085,"sentiment":"neutral","sentiment_score":-0.01911326963454485}],"sentiment":"neutral","sentiment_score":-0.01911326963454485,"channel":1,"num_words":2,"start":881.445,"end":882.085},{"sentences":[{"text":"Easy.","start":881.775,"end":882.275,"sentiment":"neutral","sentiment_score":-0.017304088920354843}],"sentiment":"neutral","sentiment_score":-0.017304088920354843,"channel":0,"num_words":1,"start":881.775,"end":882.275},{"sentences":[{"text":"I guess, with the knee, like, when because like that's that's a long injury","start":882.085,"end":886.75,"sentiment":"neutral","sentiment_score":-0.10395555730376925}],"sentiment":"neutral","sentiment_score":-0.10395555730376925,"channel":1,"num_words":14,"start":882.085,"end":886.75},{"sentences":[{"text":"Yeah.","start":887.5,"end":888.0,"sentiment":"neutral","sentiment_score":-0.06874334812164307}],"sentiment":"neutral","sentiment_score":-0.06874334812164307,"channel":0,"num_words":1,"start":887.5,"end":888.0},{"sentences":[{"text":"a while ago.","start":887.69,"end":888.51,"sentiment":"neutral","sentiment_score":-0.08278415600458781},{"text":"When 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any symptoms around that issue, then they, would probably not assess it.","start":900.685,"end":910.205,"sentiment":"neutral","sentiment_score":-0.22565468835333982},{"text":"Normally, they like about sort of three to five years symptom or injury you know, pain free, essentially.","start":910.205,"end":916.05,"sentiment":"neutral","sentiment_score":-0.18036156561639574},{"text":"But","start":916.75,"end":917.07,"sentiment":"neutral","sentiment_score":-0.0640106350183487}],"sentiment":"neutral","sentiment_score":-0.19402230122397024,"channel":0,"num_words":62,"start":893.98,"end":917.07},{"sentences":[{"text":"Yes.","start":916.79,"end":917.29,"sentiment":"neutral","sentiment_score":-0.018474195152521133}],"sentiment":"neutral","sentiment_score":-0.018474195152521133,"channel":1,"num_words":1,"start":916.79,"end":917.29},{"sentences":[{"text":"if this is also just sort of based on what we have at the moment.","start":917.07,"end":919.70996,"sentiment":"neutral","sentiment_score":-0.10812836984793345},{"text":"So what'll actually happen is we'll go through the application with you.","start":919.70996,"end":923.17,"sentiment":"neutral","sentiment_score":-0.004939649564524491},{"text":"It will go through to the underwriters.","start":923.31,"end":924.85,"sentiment":"neutral","sentiment_score":-0.027690510664667402},{"text":"So we're kind of showing you worst case scenario.","start":924.99,"end":927.57495,"sentiment":"neutral","sentiment_score":-0.11783832559982936}],"sentiment":"neutral","sentiment_score":-0.06826929878010306,"channel":0,"num_words":43,"start":917.07,"end":927.57495},{"sentences":[{"text":"Yeah.","start":928.23,"end":928.73,"sentiment":"neutral","sentiment_score":-0.029113465920090675}],"sentiment":"neutral","sentiment_score":-0.029113465920090675,"channel":1,"num_words":1,"start":928.23,"end":928.73},{"sentences":[{"text":"They'll go through the application.","start":928.51495,"end":929.975,"sentiment":"neutral","sentiment_score":0.10767277777194977},{"text":"They'll assess the risk level.","start":930.355,"end":932.035,"sentiment":"neutral","sentiment_score":0.030647943168878554},{"text":"They'll probably ask for doctor's reports as well.","start":932.035,"end":935.01495,"sentiment":"neutral","sentiment_score":0.00950262846890837},{"text":"If they look at that knee the knee issue, they go, hey.","start":935.15497,"end":938.035,"sentiment":"neutral","sentiment_score":-0.07797900370011727},{"text":"Look.","start":938.035,"end":938.19495,"sentiment":"neutral","sentiment_score":-0.06947323679924011}],"sentiment":"neutral","sentiment_score":-0.00766440802403996,"channel":0,"num_words":31,"start":928.51495,"end":938.19495},{"sentences":[{"text":"This was a long time ago.","start":938.19495,"end":939.735,"sentiment":"neutral","sentiment_score":-0.21796085685491562},{"text":"There's nothing on doctor's records that have shown that there's ongoing issues or pain.","start":939.81,"end":943.73,"sentiment":"negative","sentiment_score":-0.43535465002059937},{"text":"It's not affecting your day to day life, and they may not have that knee exclusion on there.","start":943.73,"end":948.39,"sentiment":"neutral","sentiment_score":-0.3209179664651553},{"text":"It's just based on the information we have, this is what we can assess it as,","start":948.85,"end":952.995,"sentiment":"neutral","sentiment_score":0.04172202036716044}],"sentiment":"neutral","sentiment_score":-0.23169817244289098,"channel":0,"num_words":54,"start":938.19495,"end":952.995},{"sentences":[{"text":"Yeah.","start":953.42,"end":953.92,"sentiment":"neutral","sentiment_score":-0.012223750352859495}],"sentiment":"neutral","sentiment_score":-0.012223750352859495,"channel":1,"num_words":1,"start":953.42,"end":953.92},{"sentences":[{"text":"And we're essentially showing you worst case worst case scenario for the exclusions and load ins so that you're kind of 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they're gonna assess that to start with.","start":1052.71,"end":1057.85,"sentiment":"positive","sentiment_score":0.40600280269332556},{"text":"It could be very different depending on how the outcome of the poll of the application there.","start":1057.99,"end":1063.005,"sentiment":"neutral","sentiment_score":0.05556946203989141}],"sentiment":"neutral","sentiment_score":0.2686153632956882,"channel":0,"num_words":43,"start":1050.71,"end":1063.005},{"sentences":[{"text":"But we'll","start":1063.245,"end":1063.645,"sentiment":"neutral","sentiment_score":0.10687592998147011}],"sentiment":"neutral","sentiment_score":0.10687592998147011,"channel":0,"num_words":2,"start":1063.245,"end":1063.645},{"sentences":[{"text":"Yes.","start":1063.49,"end":1063.99,"sentiment":"neutral","sentiment_score":0.20977503061294556}],"sentiment":"neutral","sentiment_score":0.20977503061294556,"channel":1,"num_words":1,"start":1063.49,"end":1063.99},{"sentences":[{"text":"always go back and ask the questions, ask 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directly.","start":1087.44,"end":1094.945,"sentiment":"neutral","sentiment_score":0.19911598414182663},{"text":"Yeah.","start":1095.485,"end":1095.985,"sentiment":"neutral","sentiment_score":0.07511892914772034}],"sentiment":"neutral","sentiment_score":0.19498274897535642,"channel":0,"num_words":30,"start":1087.44,"end":1095.985},{"sentences":[{"text":"Yeah.","start":1096.335,"end":1096.655,"sentiment":"neutral","sentiment_score":0.06125045567750931},{"text":"Yeah.","start":1096.655,"end":1096.895,"sentiment":"neutral","sentiment_score":0.0477035790681839},{"text":"No.","start":1096.895,"end":1097.055,"sentiment":"neutral","sentiment_score":-0.016361117362976074},{"text":"That's so good.","start":1097.055,"end":1097.935,"sentiment":"neutral","sentiment_score":0.18406464159488678},{"text":"I thought I just asked because it it has been quite a 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there to you.","start":1238.4349,"end":1240.4349,"sentiment":"neutral","sentiment_score":0.13839516954289544},{"text":"So you've got your statement of advice in your emails.","start":1240.4349,"end":1242.675,"sentiment":"neutral","sentiment_score":0.1722598761320114},{"text":"We also have attached the financial services guide, the appendices with the research conducted.","start":1242.675,"end":1247.19,"sentiment":"neutral","sentiment_score":0.1276364800121103},{"text":"And depending on how much reading you enjoy doing, I've also got the product disclosure statements for Hub twenty four and ClearViews.","start":1247.33,"end":1255.19,"sentiment":"neutral","sentiment_score":0.1380144567652182},{"text":"You're welcome to run your eyes over that.","start":1255.33,"end":1257.51,"sentiment":"neutral","sentiment_score":0.33149229921400547}],"sentiment":"neutral","sentiment_score":0.16576702301464383,"channel":0,"num_words":63,"start":1238.4349,"end":1257.51},{"sentences":[{"text":"In the recommendations which I've outlined in the document, we've also got the risks, advantages, disadvantages.","start":1258.485,"end":1263.785,"sentiment":"neutral","sentiment_score":0.03660779760684818},{"text":"I run through some of those with you, but there's quite an extensive range in there for you to run your eyes","start":1264.005,"end":1269.045,"sentiment":"neutral","sentiment_score":0.03951892967928539}],"sentiment":"neutral","sentiment_score":0.03829318985931183,"channel":0,"num_words":38,"start":1258.485,"end":1269.045},{"sentences":[{"text":"Yeah.","start":1269.025,"end":1269.525,"sentiment":"neutral","sentiment_score":0.03126826137304306}],"sentiment":"neutral","sentiment_score":0.03126826137304306,"channel":1,"num_words":1,"start":1269.025,"end":1269.525},{"sentences":[{"text":"over.","start":1269.045,"end":1269.54,"sentiment":"neutral","sentiment_score":0.02716558426618576},{"text":"And then we also have the best interest 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drive another forty minutes home.","start":1311.815,"end":1314.695,"sentiment":"neutral","sentiment_score":0.0112651651725173},{"text":"So I I understand that.","start":1314.695,"end":1316.075,"sentiment":"neutral","sentiment_score":0.0037354819476604463}],"sentiment":"neutral","sentiment_score":0.008755270764231682,"channel":0,"num_words":15,"start":1311.815,"end":1316.075},{"sentences":[{"text":"Understand?","start":1315.77,"end":1316.27,"sentiment":"neutral","sentiment_score":-0.0006134361028671265},{"text":"Yeah.","start":1316.4099,"end":1316.73,"sentiment":"neutral","sentiment_score":0.01935902237892151},{"text":"So well, that's it.","start":1316.73,"end":1317.5299,"sentiment":"neutral","sentiment_score":0.020539466990157962},{"text":"Like, if I if I leave any later, it doesn't change any any, like, time difference.","start":1317.5299,"end":1322.595,"sentiment":"neutral","sentiment_score":-0.005153762409463525},{"text":"But I","start":1322.975,"end":1323.455,"sentiment":"neutral","sentiment_score":0.03780614584684372}],"sentiment":"neutral","sentiment_score":0.003918981140789886,"channel":1,"num_words":24,"start":1315.77,"end":1323.455},{"sentences":[{"text":"Yep.","start":1323.4149,"end":1323.9149,"sentiment":"neutral","sentiment_score":0.06314381957054138}],"sentiment":"neutral","sentiment_score":0.06314381957054138,"channel":0,"num_words":1,"start":1323.4149,"end":1323.9149},{"sentences":[{"text":"just leave when I can leave and just copy it.","start":1323.455,"end":1325.795,"sentiment":"neutral","sentiment_score":0.05674493052065373},{"text":"It is what it is sometimes.","start":1326.095,"end":1327.395,"sentiment":"neutral","sentiment_score":0.02849348448216915}],"sentiment":"neutral","sentiment_score":0.04615063825622201,"channel":1,"num_words":16,"start":1323.455,"end":1327.395},{"sentences":[{"text":"Absolutely.","start":1328.21,"end":1328.71,"sentiment":"neutral","sentiment_score":0.11706145852804184},{"text":"Absolutely.","start":1329.17,"end":1329.65,"sentiment":"neutral","sentiment_score":0.028895139694213867},{"text":"I don't know about you, but I find that my sitting in traffic is kind of my time.","start":1329.65,"end":1334.21,"sentiment":"neutral","sentiment_score":-0.16241140415271124},{"text":"I can listen to","start":1334.21,"end":1334.9299,"sentiment":"neutral","sentiment_score":0.03437908552587032}],"sentiment":"neutral","sentiment_score":-0.10999718060096104,"channel":0,"num_words":24,"start":1328.21,"end":1334.9299},{"sentences":[{"text":"Yes.","start":1334.8151,"end":1335.3151,"sentiment":"neutral","sentiment_score":0.08586728572845459}],"sentiment":"neutral","sentiment_score":0.08586728572845459,"channel":1,"num_words":1,"start":1334.8151,"end":1335.3151},{"sentences":[{"text":"a book or listen to, you know, something and just zone out for a little while and just have quiet.","start":1334.9299,"end":1340.45,"sentiment":"neutral","sentiment_score":0.11841959897428751},{"text":"That's probably the nicest part of my day, just sitting in silence and listen to music or a podcast or a book or something.","start":1340.45,"end":1346.605,"sentiment":"positive","sentiment_score":0.6121713767449061}],"sentiment":"positive","sentiment_score":0.387738750485534,"channel":0,"num_words":44,"start":1334.9299,"end":1346.605},{"sentences":[{"text":"Yes.","start":1346.9299,"end":1347.345,"sentiment":"neutral","sentiment_score":0.25510162115097046},{"text":"Yeah.","start":1347.4249,"end":1347.585,"sentiment":"neutral","sentiment_score":0.17463581264019012},{"text":"Without any other distractions, you know, not allowed to answer","start":1347.585,"end":1350.225,"sentiment":"neutral","sentiment_score":0.018019531411118804}],"sentiment":"neutral","sentiment_score":0.050827728991862386,"channel":1,"num_words":12,"start":1346.9299,"end":1350.225},{"sentences":[{"text":"Yeah.","start":1350.025,"end":1350.525,"sentiment":"neutral","sentiment_score":0.024116378277540207}],"sentiment":"neutral","sentiment_score":0.024116378277540207,"channel":0,"num_words":1,"start":1350.025,"end":1350.525},{"sentences":[{"text":"work calls.","start":1350.225,"end":1350.865,"sentiment":"neutral","sentiment_score":0.04182404652237892},{"text":"Yeah.","start":1350.865,"end":1351.365,"sentiment":"neutral","sentiment_score":0.17185819149017334}],"sentiment":"neutral","sentiment_score":0.08516876151164372,"channel":1,"num_words":3,"start":1350.225,"end":1351.365},{"sentences":[{"text":"Absolutely.","start":1351.5449,"end":1352.0449,"sentiment":"neutral","sentiment_score":0.2831571698188782},{"text":"No.","start":1354.73,"end":1355.05,"sentiment":"neutral","sentiment_score":0.1822093427181244},{"text":"Beautiful.","start":1355.05,"end":1355.55,"sentiment":"positive","sentiment_score":0.5019775629043579},{"text":"Well, look.","start":1355.61,"end":1356.01,"sentiment":"positive","sentiment_score":0.3526776134967804},{"text":"Drive safe.","start":1356.01,"end":1356.73,"sentiment":"positive","sentiment_score":0.3876059502363205}],"sentiment":"positive","sentiment_score":0.349701600415366,"channel":0,"num_words":7,"start":1351.5449,"end":1356.73},{"sentences":[{"text":"Get home safely, and let me know if there's any questions that yeah.","start":1356.73,"end":1360.0901,"sentiment":"positive","sentiment_score":0.3376918309009992},{"text":"It looks thank you so much for allowing me to put this together.","start":1360.0901,"end":1362.5901,"sentiment":"positive","sentiment_score":0.7969632240442129},{"text":"I've really enjoyed doing the research for you.","start":1362.9701,"end":1365.31,"sentiment":"positive","sentiment_score":0.8320555239915848},{"text":"You","start":1365.37,"end":1365.53,"sentiment":"positive","sentiment_score":0.5135111808776855}],"sentiment":"positive","sentiment_score":0.6262991739170892,"channel":0,"num_words":35,"start":1356.73,"end":1365.53},{"sentences":[{"text":"Yes.","start":1365.51,"end":1365.83,"sentiment":"positive","sentiment_score":0.3618910312652588}],"sentiment":"positive","sentiment_score":0.3618910312652588,"channel":1,"num_words":1,"start":1365.51,"end":1365.83},{"sentences":[{"text":"too.","start":1365.53,"end":1366.03,"sentiment":"positive","sentiment_score":0.46038007736206055}],"sentiment":"positive","sentiment_score":0.46038007736206055,"channel":0,"num_words":1,"start":1365.53,"end":1366.03},{"sentences":[{"text":"Awesome.","start":1365.83,"end":1366.3099,"sentiment":"positive","sentiment_score":0.7775838375091553},{"text":"Thank you.","start":1366.3099,"end":1367.13,"sentiment":"positive","sentiment_score":0.7487450242042542}],"sentiment":"positive","sentiment_score":0.7583579619725546,"channel":1,"num_words":3,"start":1365.83,"end":1367.13},{"sentences":[{"text":"Thanks, Richard.","start":1367.4089,"end":1368.209,"sentiment":"positive","sentiment_score":0.701663613319397},{"text":"I'll let you","start":1368.209,"end":1368.5289,"sentiment":"positive","sentiment_score":0.46945444742838544}],"sentiment":"positive","sentiment_score":0.56233811378479,"channel":0,"num_words":5,"start":1367.4089,"end":1368.5289},{"sentences":[{"text":"Alright.","start":1368.47,"end":1368.97,"sentiment":"positive","sentiment_score":0.35934609174728394}],"sentiment":"positive","sentiment_score":0.35934609174728394,"channel":1,"num_words":1,"start":1368.47,"end":1368.97},{"sentences":[{"text":"go.","start":1368.5289,"end":1368.7689,"sentiment":"positive","sentiment_score":0.5613127946853638},{"text":"You have a lovely evening.","start":1368.7689,"end":1370.1489,"sentiment":"positive","sentiment_score":0.7740119099617004}],"sentiment":"positive","sentiment_score":0.7385620574156443,"channel":0,"num_words":6,"start":1368.5289,"end":1370.1489},{"sentences":[{"text":"Cheers.","start":1370.3099,"end":1370.71,"sentiment":"positive","sentiment_score":0.6979886889457703},{"text":"Thank you.","start":1370.71,"end":1371.27,"sentiment":"positive","sentiment_score":0.6783278584480286},{"text":"Bye.","start":1371.27,"end":1371.77,"sentiment":"positive","sentiment_score":0.41421398520469666}],"sentiment":"positive","sentiment_score":0.617214597761631,"channel":1,"num_words":4,"start":1370.3099,"end":1371.77},{"sentences":[{"text":"Thanks.","start":1371.6489,"end":1372.049,"sentiment":"positive","sentiment_score":0.5987434983253479},{"text":"See you later.","start":1372.049,"end":1372.7689,"sentiment":"positive","sentiment_score":0.4809543391068776},{"text":"Bye.","start":1372.7689,"end":1373.2689,"sentiment":"neutral","sentiment_score":-0.12316308170557022}],"sentiment":"positive","sentiment_score":0.3836886867880821,"channel":0,"num_words":5,"start":1371.6489,"end":1373.2689}]},"summary":{"result":"success","short":"During a call with Richard from Okey Financial, the speaker recommends retaining a defensive investment and rebalancing the portfolio, emphasizing the success of physical gold and expansion in international markets. They stress the importance of maintaining a low-cost fund and updating the policy due to the addition of 15% exposure to the beta shares and the JPMorgan Global Healthcare fund. The agent emphasizes the importance of updating the policy and reassessing it for claims, while also providing information on financial services and thanking the customer for their time."},"intents":{"segments":[{"text":"I had you booked in to go through your updated statement of advice. Is now still a good time there for you? Yeah.","start_word":27,"end_word":49,"intents":[{"intent":"Book meeting","confidence_score":0.000048316353},{"intent":"Update statement of advice","confidence_score":0.012446552}]},{"text":"Essentially, with regard to the recommendations there, sir, I did go back and have a bit of a look at your super as well as looking at any other funds out there just to sort of make sure that you were in the correct fund, see if there was any sort of reason to change out of the fund there. There isn't at the moment, so I am recommending you do retain hub twenty four for the time being.","start_word":539,"end_word":617,"intents":[{"intent":"Recommend portfolio changes","confidence_score":0.00008490455},{"intent":"Confirm super fund status","confidence_score":0.0070339786}]},{"text":"One of the things I did sorta notice was that if we had to sell down your whole portfolio and move you to another fund, we would have triggered a full sell down and a CTT for approximately $3,085. So we do try to retain and limit the amount of tax consequences on your super fund because the more tax that is paid, the less your balance is and the harder it can be to kind of obtain that money back there. So I am Yes.","start_word":648,"end_word":733,"intents":[{"intent":"Discuss tax consequences","confidence_score":0.13213277}]},{"text":"You are a bit overweighted in physical gold, so we're gonna rebalance your portfolio back there and just sell some of that. That essentially cements the gain that's being made, and we can redistribute that across the rest of your portfolio there as well. Yes.","start_word":931,"end_word":975,"intents":[{"intent":"Rebalance portfolio","confidence_score":0.29316235}]},{"text":"We wanna keep the S and P 500 to keep access to The US market there.","start_word":1042,"end_word":1057,"intents":[{"intent":"Keep s and p 500","confidence_score":0.16831747}]},{"text":"We are also keeping the beta shares Rafi 200.","start_word":1086,"end_word":1094,"intents":[{"intent":"Hold beta shares","confidence_score":0.04538374}]},{"text":"So, again, it is just kind of reweighting the portfolio back.","start_word":1129,"end_word":1139,"intents":[{"intent":"Reweight portfolio","confidence_score":0.8118254}]},{"text":"So we are gonna sell that completely down and remove that from your portfolio and replace that to make sure you still have Australian equity exposure.","start_word":1165,"end_word":1190,"intents":[{"intent":"Remove asset","confidence_score":0.11277186}]},{"text":"So India has seen some really good gains, and we do wanna keep a bit of exposure in that area.","start_word":1328,"end_word":1347,"intents":[{"intent":"Maintain exposure","confidence_score":0.08446039}]},{"text":"It's helping to track some of the top 200 companies on the ASX.","start_word":1432,"end_word":1444,"intents":[{"intent":"Track companies","confidence_score":0.23090957}]},{"text":"But, essentially, we wanna see about 25% in the Australian equity space, and this is where that's giving you access and exposure. By keeping the Raffy and having the a 200 there and removing that along, we're also increasing your diversification in your portfolio. So it's helping to lower your overall risk of the portfolio there as well, which is a positive thing. Yeah.","start_word":1497,"end_word":1560,"intents":[{"intent":"Discuss portfolio management and portfolio cost","confidence_score":0.0007212574}]},{"text":"By keeping the Raffy and having the a 200 there and removing that along, we're also increasing your diversification in your portfolio. So it's helping to lower your overall risk of the portfolio there as well, which is a positive thing. Yeah.","start_word":1519,"end_word":1560,"intents":[{"intent":"Discuss portfolio diversification and growth potential","confidence_score":0.000024655603}]},{"text":"The other side of that is the investment fees. So we're not removing you out of hub twenty four. So there's no change to the admin fees there. However, this newer portfolio is cheaper. So it's expected to save you $294 on for the first year on investment fees. So it's less money being paid out in fees, more money stays in your super working harder for you.","start_word":2108,"end_word":2175,"intents":[{"intent":"Evaluate portfolio benefits","confidence_score":0.07216828}]},{"text":"So, realistically, if this newer portfolio can do what it has done over the next sort of five years, offer saving in fees and no CGT consequences, it can essentially put you in a much greater position moving forward. So it's essentially weighing up no CGT consequences, a better performing portfolio, and a cheaper portfolio, and what that can do for you over the next five to ten Yeah.","start_word":2218,"end_word":2286,"intents":[{"intent":"Recommend portfolio recommendations","confidence_score":0.09562326}]},{"text":"The other thing that we sort of talked about was the income protection side of things. So we did a bit of a pre assessment with you. We are just retaining your life and TBD as it is, but we are recommending that we do increase your income protection in line with your income needs.","start_word":2335,"end_word":2389,"intents":[{"intent":"Suggest increasing income protection cover","confidence_score":0.0006301327}]},{"text":"And, essentially, when we look at the difference so your current policy sorry, is costing about $1,043.40 there with the newer policy, obviously, increasing your life and increasing your income protection. The amount, it's essentially doubling the policy. So the yearly premium is expected to be about $2,083. It is increasing the cost by 1,040 for the year.","start_word":2486,"end_word":2543,"intents":[{"intent":"Describe policy differences","confidence_score":0.001811077}]},{"text":"So the yearly premium is expected to be about $2,083. It is increasing the cost by 1,040 for the year.","start_word":2524,"end_word":2543,"intents":[{"intent":"Recommend policy cost increase","confidence_score":0.013744963}]},{"text":"They are essentially looking at a left knee exclusion because of your previous injury.","start_word":2579,"end_word":2592,"intents":[{"intent":"Assess knee injury impact","confidence_score":0.0013743779}]},{"text":"They are adding an exclusion for your secondary occupation because you are doing two jobs. They'll cover your main and primary occupation, but they won't cover your secondary occupation, unfortunately. Yeah.","start_word":2605,"end_word":2635,"intents":[{"intent":"Review exclusions and load","confidence_score":0.121965975}]},{"text":"It's just all about sort of what they reviewed upfront and how they assess the risk of the insurance.","start_word":2655,"end_word":2673,"intents":[{"intent":"Assess risk of insurance","confidence_score":0.06848213}]},{"text":"The other thing we sort of wanna look at is we intend to need a higher level of cover now. We're also building super paying down debts and building our savings and portfolios and things. But as we get older, we should be able to reduce the level of cover back a little bit as well. So we'll make sure to review the cover with you on a regular basis and make sure to make updates to that as needed as well. So yeah.","start_word":2762,"end_word":2845,"intents":[{"intent":"Reduce cover","confidence_score":0.25265297}]},{"text":"So if you have any pain, or have had treatment or had any symptoms around that issue, then they, would probably not assess it. Normally, they like about sort of three to five years symptom or injury you know, pain free, essentially. But Yes.","start_word":2899,"end_word":2942,"intents":[{"intent":"Assess pain","confidence_score":0.36042592}]},{"text":"if this is also just sort of based on what we have at the moment. So what'll actually happen is we'll go through the application with you. It will go through to the underwriters. So we're kind of showing you worst case scenario. Yeah.","start_word":2943,"end_word":2986,"intents":[{"intent":"Discuss potential future scenarios","confidence_score":0.0000014217427},{"intent":"Recommend application process","confidence_score":0.0065564187}]},{"text":"They'll go through the application. They'll assess the risk level.","start_word":2988,"end_word":2997,"intents":[{"intent":"Assess risk level","confidence_score":0.341335},{"intent":"Assess risk level","confidence_score":0.05866436}]},{"text":"They'll probably ask for doctor's reports as well.","start_word":2997,"end_word":3004,"intents":[{"intent":"Ask for reports","confidence_score":0.12252896},{"intent":"Ask about doctor's reports","confidence_score":0.0069055455}]},{"text":"If they look at that knee the knee issue, they go, hey. Look. This was a long time ago. There's nothing on doctor's records that have shown that there's ongoing issues or pain. It's not affecting your day to day life, and they may not have that knee exclusion on there. It's just based on the information we have, this is what we can assess it as, Yeah.","start_word":3005,"end_word":3072,"intents":[{"intent":"Assess knee exclusions","confidence_score":0.55250114},{"intent":"Assess knee exclusions","confidence_score":0.1248878}]},{"text":"We can also do and I have done in the past with clients when we go through the underwriting, if it comes back and they have the knee exclusion there, I tend to also find out what exactly do they want in order to have that removed.","start_word":3110,"end_word":3156,"intents":[{"intent":"Determine treatment options","confidence_score":0.0023732395}]},{"text":"And if it's the case of going back to the doctor, having it assessed, or getting some sort of letter from your doctor to show you've had no issues, not been off work, you know, there's no ongoing pain, and there's nothing causing you to have any further issues to the knee, then they may be able to reassess it then.","start_word":3157,"end_word":3217,"intents":[{"intent":"Discuss reassessment","confidence_score":0.0019032109}]},{"text":"So when when the, exclusions and loadings come through after the full assessment, then we tend to go back and find out what with what they wanna know, when can it be reviewed, what they'll need to have it reviewed.","start_word":3260,"end_word":3299,"intents":[{"intent":"Review policy","confidence_score":0.1698076}]},{"text":"They're only gonna assess the increased components. So your current policy will stay exactly as it is, and the loadings, exclusions, any changes to your health only affect the increased portion of the policy. Does that make sense?","start_word":3352,"end_word":3389,"intents":[{"intent":"Assess policy components","confidence_score":0.24469994}]},{"text":"The only other thing there is just with regards to the beneficiary side of things, so just making sure we have those updated. I will get on to my team to make sure those beneficiaries are sent out, and we have those all pre filled with Courtney's details there for you. Just Yep.","start_word":3763,"end_word":3815,"intents":[{"intent":"Update beneficiary and send beneficiary documents","confidence_score":0.00041307288}]},{"text":"Do you have any other questions or anything you want me to clarify?","start_word":3844,"end_word":3856,"intents":[{"intent":"Clarify documents and procedures","confidence_score":0.00084880006}]},{"text":"What kind of audiobooks are you into these days?","start_word":3987,"end_word":3995,"intents":[{"intent":"Evaluate audiobooks and culture","confidence_score":0.0011695282}]},{"text":"Well, I have sent the email there to you.","start_word":4040,"end_word":4048,"intents":[{"intent":"Expedite communication","confidence_score":0.0000867946}]},{"text":"So any advice we do provide is linked back to your goals and noted in the in its best interest and how it's in your best interest to follow through with the recommendations there.","start_word":4152,"end_word":4185,"intents":[{"intent":"Follow along with recommendations","confidence_score":0.00016806113}]}]},"sentiments":{"segments":[{"text":"Hello. Richard speaking. Hi, Richard. It's Dana from Okey Financial. How are you this afternoon?","start_word":0,"end_word":14,"sentiment":"neutral","sentiment_score":0.1805182546377182},{"text":"Good. Thank you. Yourself? I'm very well. Thank you. Thanks for asking.","start_word":15,"end_word":26,"sentiment":"positive","sentiment_score":0.6122153997421265},{"text":"I had you booked in to go through your updated statement of advice. Is now still a good time there for you? Yeah. That was fine. I'm just driving home in traffic. Oh, no. No. That's okay. I normally do send the document through to you there. Obviously, you can't read it because you are driving. Are you comfortable with me just running through the recommendations as easily as I possibly can, and then Yeah. allow Yeah. you That's to go back fine. and review it later? Is that okay? Yeah. Yeah.","start_word":27,"end_word":118,"sentiment":"neutral","sentiment_score":0.0760735347867012},{"text":"That's all good. Fantastic. That's not a problem at all.","start_word":119,"end_word":128,"sentiment":"positive","sentiment_score":0.478695809841156},{"text":"I'll just start by sending it through so it is there when you are able to when you get home and you've got some time to run through it there. Once Yep. you do sort of receive the document, please go through. Have a bit of a read of it. Let me know if there are any additional questions there, and if you're happy to take on the recommendations or just get the sign and return it Yep. back there for me. Okay? Yep. Not a problem.","start_word":129,"end_word":215,"sentiment":"neutral","sentiment_score":0.18466773629188535},{"text":"Excellent. Fantastic.","start_word":216,"end_word":217,"sentiment":"positive","sentiment_score":0.5388691425323486},{"text":"Before I jump in and start going to this, I do have to let you know, moving forward, our calls are recorded for training and quality purposes. Are you happy for me to proceed with that? Yep. That's five.","start_word":218,"end_word":256,"sentiment":"neutral","sentiment_score":0.1558336764574051},{"text":"Fantastic.","start_word":257,"end_word":257,"sentiment":"positive","sentiment_score":0.4568614959716797},{"text":"And I'll just do a quick security check there for you. So to confirm your full name, your date of birth, and address I should have on file. Yeah. Richard Janita Picci, twenty ninth of July nineteen ninety and six Sonja Street, Ferndale.","start_word":258,"end_word":300,"sentiment":"neutral","sentiment_score":0.13113434612751007},{"text":"Beautiful. Thank you so much for that.","start_word":301,"end_word":307,"sentiment":"positive","sentiment_score":0.5769646763801575},{"text":"Richard, when you do see the document there, on the front page, it does have your name. It's also got my license number. So I'm a licensed financial adviser registered with ASIC, and my registration number is 130 sorry. 1304394. The areas with regard to this advice, it sort of came off the back of your annual review there. So we're looking at superannuation. You're sort of tracking to try and access super about the age of 65, and we had noted there was some underperforming investments. So we wanted to kinda go back and review those and have those updated there for you as well. We were also looking at the insurance aspect. So you were happy with your life and TBD, but your income had changed slightly. So we were looking at increasing your income protection to keep you in line with being able to claim the maximum seven 70% if you were off work due to illness or injury. Does that still sound fairly appropriate for you? Yes. Yeah. Yep.","start_word":308,"end_word":480,"sentiment":"neutral","sentiment_score":0.05876823710654512},{"text":"Beautiful.","start_word":481,"end_word":481,"sentiment":"positive","sentiment_score":0.6293561458587646},{"text":"And then I've also just scoped in the beneficiary side things as well, just making sure that your beneficiaries are up to date. I can see that my team is yet to post those out to you, but I will make sure they are completed this week for you as well. Okay? Yeah. Not a problem.","start_word":482,"end_word":537,"sentiment":"neutral","sentiment_score":0.2446689009666443},{"text":"Fantastic.","start_word":538,"end_word":538,"sentiment":"positive","sentiment_score":0.592639684677124},{"text":"Essentially, with regard to the recommendations there, sir, I did go back and have a bit of a look at your super as well as looking at any other funds out there just to sort of make sure that you were in the correct fund, see if there was any sort of reason to change out of the fund there. There isn't at the moment, so I am recommending you do retain hub twenty four for the time being. Essentially, one of the things I do look at when I am recommending whether to change a a platform or a super fund is essentially the capital gains consequences there. One of the things I did sorta notice was that if we had to sell down your whole portfolio and move you to another fund, we would have triggered a full sell down and a CTT for approximately $3,085. So we do try to retain and limit the amount of tax consequences on your super fund because the more tax that is paid, the less your balance is and the harder it can be to kind of obtain that money back there. So I am Yes. recommending that that we do keep your super fund exactly as it is within HUB twenty four, and we just switch the investments. Essentially, Hub twenty four does actually have over a thousand investments to sort of choose from.","start_word":539,"end_word":772,"sentiment":"neutral","sentiment_score":-0.02942406140968331},{"text":"So we do have a lot of different investments that we can sort of switch you into. So it is still one of the better funds out there.","start_word":773,"end_word":800,"sentiment":"positive","sentiment_score":0.47713449597358704},{"text":"When I am looking to change the investments, essentially, what I'm looking to do is we talked about how the bank hybrids are to be essentially phased out down the track there. So I am recommending we sell those down to zero. We'll place them as a defensive investment. It's better while we are making changes now to make all the changes rather than some now and then some down the track when we have to later on. You've got the global agriculture in there. Hasn't done too bad, but I am looking to sell that down completely as well. You do also have some physical gold within your portfolio.","start_word":801,"end_word":910,"sentiment":"neutral","sentiment_score":0.09670223295688628},{"text":"Physical gold has done really, really well.","start_word":911,"end_word":917,"sentiment":"positive","sentiment_score":0.4362250864505768},{"text":"We only wanna hold about 8%. So you do have currently have 15.50%. You are a bit overweighted in physical gold, so we're gonna rebalance your portfolio back there and just sell some of that.","start_word":918,"end_word":952,"sentiment":"neutral","sentiment_score":0.11161547899246216},{"text":"That essentially cements the gain that's being made, and we can redistribute that across the rest of your portfolio there as well.","start_word":953,"end_word":974,"sentiment":"positive","sentiment_score":0.37217843532562256},{"text":"Yes. You do have some cybersecurity. Has been a bit up and down this year, but overall has been doing very, very well. Cybersecurity is still a place we wanna keep invested in your portfolio there. So we only wanna hold about 5%. You've got a bit over six percent there at the moment. So it's about just rebalancing your portfolio back and selling some of that. We wanna keep the S and P 500 to keep access to The US market there. You've got so we wanna hold 20%. You currently have 28.40. So we're gonna rebalance sell some of that to sort of bring you down to 20% then. We are also keeping the beta shares Rafi 200. So giving you exposure to some of the top 200 companies on the ASX there. You've essentially got 15 we wanna hold 15%. You've got about 18 in your portfolio at the moment. So, again, it is just kind of reweighting the portfolio back. With the Van Along Australian Equities, we are getting rid of that completely.","start_word":975,"end_word":1151,"sentiment":"neutral","sentiment_score":0.08000971200102466},{"text":"That is the one that's been underperforming as we kinda went through before.","start_word":1152,"end_word":1164,"sentiment":"negative","sentiment_score":-0.47452980279922485},{"text":"So we are gonna sell that completely down and remove that from your portfolio and replace that to make sure you still have Australian equity exposure. We've also got the ClearBridge infrastructure fund.","start_word":1165,"end_word":1197,"sentiment":"neutral","sentiment_score":-0.19003558158874512},{"text":"So it has taken a little bit of a hit recently, has not done been within your portfolio. Essentially, it has been having a little bit of up and down with what's been occurring of the changes to legislation with regard to property there.","start_word":1198,"end_word":1241,"sentiment":"negative","sentiment_score":-0.3667314946651459},{"text":"So I am recommending we remove that completely out of your portfolio and cement the gains that it has made. Essentially, once we kinda to complete all of those sales and rebalance things back a little bit, what you will see in your portfolio is that at 8% in physical gold, 5% is cybersecurity, 20% invested in the S and P 500, so it's The US market. We'll keep 15% in the Rafi two 100, and we're also gonna invest 5% into the India quality ETF.","start_word":1242,"end_word":1327,"sentiment":"neutral","sentiment_score":0.038058627396821976},{"text":"So India has seen some really good gains, and we do wanna keep a bit of exposure in that area.","start_word":1328,"end_word":1347,"sentiment":"positive","sentiment_score":0.3693124055862427},{"text":"So we'll add 5% into the India market. Global Healthcare has seen some good gains, and it is still a place we wanna, you know, stay in or be invested, essentially. So we're gonna have about 4% in the Global Healthcare. Again, it's giving you diversification, so we're looking globally for that investment there as well. And then because we are removing, essentially, the ban along Australian equities, we're investing 10% into the beta shares a 200. This is essentially a passively managed fund. It's helping to track some of the top 200 companies on the ASX. We have that plus the Raffy that is giving you essentially 400 the top 400 companies on the ASX there. It's not technically overweighting the portfolio by Australian equities. It is diversifying quite heavily.","start_word":1348,"end_word":1478,"sentiment":"neutral","sentiment_score":0.25497138500213623},{"text":"The Rafi also encompasses some mid cap there as well, so it is a positive sign for you. But, essentially, we wanna see about 25% in the Australian equity space, and this is where that's giving you access and exposure. By keeping the Raffy and having the a 200 there and removing that along, we're also increasing your diversification in your portfolio. So it's helping to lower your overall risk of the portfolio there as well, which is a positive thing.","start_word":1479,"end_word":1559,"sentiment":"positive","sentiment_score":0.5229421257972717},{"text":"Yeah. We also got the JPMorgan Global Research Enhanced Equity Fund. It's a long name. Essentially, we're gonna add 15% exposure into that. That is a little bit of an actively managed fund. It is mostly passive. It's a low cost fund, but it utilizes JPMorgan's research team to find areas globally for where they want to maybe add a little bit of additional growth or be invested in. JB and Morgan's research team has been around forever.","start_word":1560,"end_word":1637,"sentiment":"neutral","sentiment_score":0.2114162445068359},{"text":"They are a really great team. They have some really great researchers there, and they do very well as a whole.","start_word":1638,"end_word":1658,"sentiment":"positive","sentiment_score":0.5521667003631592},{"text":"So it's about because you're younger, you can take a little bit have a little bit of active management in your portfolio. We wanted to keep this here to give you that little bit of active management, but also try and make the portfolio as cheap as possible. Does that all make sense so far? Yes. Yeah. Yep.","start_word":1659,"end_word":1716,"sentiment":"neutral","sentiment_score":0.19580335915088656},{"text":"Beautiful.","start_word":1717,"end_word":1717,"sentiment":"positive","sentiment_score":0.4537788927555084},{"text":"And then defensive investment. So you are in that growth environment. So that's a 8020 split that we went through last time. So we do wanna keep about 20% in defensive low risk investments. So we're keeping in there the iShield e sorry. I iShares Yield Plus. It's giving you access to fixed interest and high it's sort of looking at things that pay really good dividends and high yields to income producing and then core composite bonds. They're giving you access to government and corporate bonds. It also does have some global exposure into notes and fixed interest there as well. So those two investments are more about having a little bit of low risk investing, having some defensive assets, income production as well because income is something we wanna see in happening.","start_word":1718,"end_word":1851,"sentiment":"neutral","sentiment_score":0.22889477014541623},{"text":"We wanna see income being produced out of your investments, paid into your cash account, which can be redistributed across your portfolio, and that does help with the compounding effect there as well.","start_word":1852,"end_word":1884,"sentiment":"positive","sentiment_score":0.42284366488456726},{"text":"That is a lot to go through when you're not looking at the document, and I fully understand that. Do you I have don't any think questions looking at at it all? would make too much of a difference to be. No. You're fine, honestly. When you do happen to have a look at the document, page number 20 outlines essentially what the buyers and sales look like. The reds are buy sells, the greens are are buyers, and the very last column essentially shows you where you'll see all of your super invested once we make those changes there for you.","start_word":1885,"end_word":1986,"sentiment":"neutral","sentiment_score":0.01491096056997776},{"text":"Yes.","start_word":1987,"end_word":1987,"sentiment":"positive","sentiment_score":0.3345198929309845},{"text":"So a lot of the reasoning behind the changes, as I kinda went through before, I do look at the capital gains consequences for making the changes there.","start_word":1988,"end_word":2015,"sentiment":"neutral","sentiment_score":0.20213061571121216},{"text":"Obviously, I wanted to limit those as much as possible, and I was able to work out by making these switches within your portfolio.","start_word":2016,"end_word":2039,"sentiment":"positive","sentiment_score":0.34262391924858093},{"text":"Your super fund has no capital gains consequences, so we're utilizing the underperformance of some of the investments to complete the switches and to essentially limit or completely reduce the capital gains consequences.","start_word":2040,"end_word":2072,"sentiment":"neutral","sentiment_score":0.3070971965789795},{"text":"So we can make those changes within your portfolio and switch the investments, and there's no CDT consequences to your super fund to take into account, which is a positive.","start_word":2073,"end_word":2102,"sentiment":"positive","sentiment_score":0.6018916368484497},{"text":"Yeah.","start_word":2103,"end_word":2103,"sentiment":"neutral","sentiment_score":0.3194659650325775},{"text":"No. It's good.","start_word":2104,"end_word":2106,"sentiment":"positive","sentiment_score":0.46574628353118896},{"text":"Yeah. The other side of that is the investment fees. So we're not removing you out of hub twenty four. So there's no change to the admin fees there.","start_word":2107,"end_word":2135,"sentiment":"neutral","sentiment_score":0.21245208382606504},{"text":"However, this newer portfolio is cheaper. So it's expected to save you $294 on for the first year on investment fees. So it's less money being paid out in fees, more money stays in your super working harder for you.","start_word":2136,"end_word":2175,"sentiment":"positive","sentiment_score":0.573573887348175},{"text":"The other thing that I looked at is the five year rolling average. So the current portfolio has averaged about 9.24% when we kinda look at the research data. This newer portfolio over the past five years has averaged about 10.53%.","start_word":2176,"end_word":2216,"sentiment":"neutral","sentiment_score":0.15602479875087738},{"text":"So, realistically, if this newer portfolio can do what it has done over the next sort of five years, offer saving in fees and no CGT consequences, it can essentially put you in a much greater position moving forward. So it's essentially weighing up no CGT consequences, a better performing portfolio, and a cheaper portfolio, and what that can do for you over the next five to ten Yeah. years, and it does show it puts you in a better position long term. So that's essentially why I made that recommendation there.","start_word":2217,"end_word":2308,"sentiment":"positive","sentiment_score":0.4884888827800751},{"text":"Does that all make sense? Do you have any questions? You're welcome to let me know if you do. Yeah. No.","start_word":2309,"end_word":2329,"sentiment":"neutral","sentiment_score":0.21378618478775024},{"text":"That's so good. Yeah. Beautiful.","start_word":2330,"end_word":2334,"sentiment":"positive","sentiment_score":0.4252025783061981},{"text":"The other thing that we sort of talked about was the income protection side of things. So we did a bit of a pre assessment with you. We are just retaining your life and TBD as it is, but we are recommending that we do increase your income protection in line with your income needs. So just making sure that you have the most income protection cover so that if in the event you were to need to claim on the policy, that we could cover as much of your expenses as absolutely possible. Under your current income, it means that you'd be applying for a monthly benefit of 7,583. It's an increase to the policy. We're still keeping a thirty day waiting period and a five year benefit period, so no change that at all. It is structured and linked to your current life and TBT policies. No change there. And, essentially, when we look at the difference so your current policy sorry, is costing about $1,043.40 there with the newer policy, obviously, increasing your life and increasing your income protection. The amount, it's essentially doubling the policy. So the yearly premium is expected to be about $2,083. It is increasing the cost by 1,040 for the year. So the main sort of reason that was a thing was when we kind of went back and reviewed your pre assessments and went out to the market to see how that would be assessed. They are essentially looking at a left knee exclusion because of your previous injury. You do have smoker rates in the policy as a smoker.","start_word":2335,"end_word":2603,"sentiment":"neutral","sentiment_score":0.0711824968457222},{"text":"They are adding an exclusion for your secondary occupation because you are doing two jobs.","start_word":2604,"end_word":2618,"sentiment":"negative","sentiment_score":-0.3673103153705597},{"text":"They'll cover your main and primary occupation, but they won't cover your secondary occupation, unfortunately. Yeah. And they are adding a 50% loading onto the policy as well. These all can be reviewable down the time. It's just all about sort of what they reviewed upfront and how they assess the risk of the insurance. It is still preferred to put that in place because it gives you a higher level of cover. It's just that the only thing that really affects is the knee exclusion and the secondary occupation there. Does that all make sense? Yes. Do you have any questions? No. No. Not really. No. Beautiful. And one of the things to sort of look at is with these exclusions and loadings, they are kind of all generally reviewable down the track. As soon as we can review them, we do. The other thing we sort of wanna look at is we intend to need a higher level of cover now. We're also building super paying down debts and building our savings and portfolios and things. But as we get older, we should be able to reduce the level of cover back a little bit as well. So we'll make sure to review the cover with you on a regular basis and make sure to make updates to that as needed as well. So yeah. With the, Easy. I guess, with the knee, like, when because like that's that's a long injury Yeah. a while ago. When does Mhmm. that sort of not become a, I guess, an issue? It really just depends upon how how long ago it started and whether you've had ongoing issues with it. So if you have any pain, or have had treatment or had any symptoms around that issue, then they, would probably not assess it. Normally, they like about sort of three to five years symptom or injury you know, pain free, essentially. But Yes. if this is also just sort of based on what we have at the moment. So what'll actually happen is we'll go through the application with you. It will go through to the underwriters. So we're kind of showing you worst case scenario. Yeah. They'll go through the application. They'll assess the risk level. They'll probably ask for doctor's reports as well. If they look at that knee the knee issue, they go, hey. Look. This was a long time ago.","start_word":2619,"end_word":3023,"sentiment":"neutral","sentiment_score":-0.07272750911889253},{"text":"There's nothing on doctor's records that have shown that there's ongoing issues or pain.","start_word":3024,"end_word":3037,"sentiment":"negative","sentiment_score":-0.42917755246162415},{"text":"It's not affecting your day to day life, and they may not have that knee exclusion on there. It's just based on the information we have, this is what we can assess it as, Yeah. And we're essentially showing you worst case worst case scenario for the exclusions and load ins so that you're kind of prepared going into the application, but it all comes down to how the underwriter assess it. We can also do and I have done in the past with clients when we go through the underwriting, if it comes back and they have the knee exclusion there, I tend to also find out what exactly do they want in order to have that removed. And if it's the case of going back to the doctor, having it assessed, or getting some sort of letter from your doctor to show you've had no issues, not been off work, you know, there's no ongoing pain, and there's nothing causing you to have any further issues to the knee, then they may be able to reassess it then. So that's just another Yeah. thing that I sorta had clients go back and do, see the doctor get this reassessed, and then we kind of have it removed. It is a possibility. It's not a guarantee, but it is a possibility. So when when the, exclusions and loadings come through after the full assessment, then we tend to go back and find out what with what they wanna know, when can it be reviewed, what they'll need to have it reviewed. And we ask all those questions so we know, moving forward, how the how the policy can be assessed to, you know, assist. The other side of it is it's only on the increase. So any loadings or exclusions that like, at the moment, your previous policy, there's really nothing noted. They're only gonna assess the increased components. So your current policy will stay exactly as it is, and the loadings, exclusions, any changes to your health only affect the increased portion of the policy. Does that make sense? Yes. Yeah. Yeah.","start_word":3038,"end_word":3391,"sentiment":"neutral","sentiment_score":-0.04342484935107878},{"text":"Yeah. Beautiful. So I just wanted to be open and honest and let you know that's essentially how they're gonna assess that to start with.","start_word":3392,"end_word":3416,"sentiment":"positive","sentiment_score":0.4159870743751526},{"text":"It could be very different depending on how the outcome of the poll of the application there. But we'll Yes. always go back and ask the questions, ask them to you know, when it can be assessed, how it's assessed, what they need to do.","start_word":3417,"end_word":3461,"sentiment":"neutral","sentiment_score":0.16301411390304563},{"text":"So and when it can be assessed, we'll definitely make sure we do look at that for you.","start_word":3462,"end_word":3479,"sentiment":"positive","sentiment_score":0.3612233698368073},{"text":"We don't ever want you to have loadings and exclusions beyond the point that you really need to have them on the policy because we do know loadings make the policy more expensive, and exclusions essentially are where you're not able to claim on the policy for a certain aspect. So Yeah. we just wanna make sure that we're open and honest and show you what the expectation is based on the risk that has been assessed with the insurers directly. Yeah. Yeah. Yeah. No. That's so good. I thought I just asked because it it has been quite a while. Oh, absolutely. It's not like my need plays up. But yeah. No. No. Yeah. Absolutely. And, I mean, realistically, if you've had that kind of injury or illness in the past, it might be something, you know, with what you do for work that you might actually need to claim on. So when and if it can be assessed, I completely understand. And it's fine. No. It's a great question, actually. I encourage everyone to ask as many questions as possible because, realistically, knowing that does give you kind of an idea of, you know, if you twelve months, they might just reassess it if they say, hey. Look. We'll put it on for now. But in twelve months' time, if you had no pain, no time off work, and not needed any medication, you know, to assist with the the pain of that, then we might reassess it. So it's always worth asking those questions, and I ask those questions of insurance before they put an application in force every single time. Yeah. So absolutely Yeah. Yeah. fine. Yeah.","start_word":3480,"end_word":3760,"sentiment":"neutral","sentiment_score":0.03427541393826441},{"text":"Oh, good.","start_word":3761,"end_word":3762,"sentiment":"positive","sentiment_score":0.3842689394950866},{"text":"The only other thing there is just with regards to the beneficiary side of things, so just making sure we have those updated. I will get on to my team to make sure those beneficiaries are sent out, and we have those all pre filled with Courtney's details there for you. Just Yep. making sure that everything is correct and and set up in place for yourself there. I know it is a lot when you're not looking at the documents. Do you have any other questions or anything you want me to clarify? I'm so sorry, Richard. No. That's still good. No. No. That's it. It's it's all it's nothing I haven't gone through many Yeah. times before, Beautiful. so that's all fine. Yeah.","start_word":3763,"end_word":3887,"sentiment":"neutral","sentiment_score":0.06605806946754456},{"text":"Fantastic. Lovely. I always try to go as easy as possible.","start_word":3888,"end_word":3898,"sentiment":"positive","sentiment_score":0.3939887583255768},{"text":"There's certain things I have to hit, like, certain points I've gotta sort of touch on, but I always try not to feel like I'm talking at you. It's the worst thing in the world. You're probably looking at sitting in traffic too, trying to navigate and drive and pay attention. No. That's fine. It's been I'm getting better at it. Like, I listen to audio books. Well, in working, listening to more audiobooks. So you get the hang Yeah. of paying attention and yeah. Absolutely. Yeah. Definitely. What kind of audiobooks are you into these days? What's the It's it's all professional development, I guess. So it's all, okay. Nice. human nature around injury and then the next one's Yes. all about just culture. Yeah. So it's just all professional development.","start_word":3899,"end_word":4030,"sentiment":"neutral","sentiment_score":-0.0021930572111159563},{"text":"I love that. That's fantastic.","start_word":4031,"end_word":4035,"sentiment":"positive","sentiment_score":0.5277416110038757},{"text":"No. That's awesome.","start_word":4036,"end_word":4038,"sentiment":"neutral","sentiment_score":0.25009262561798096},{"text":"Beautiful.","start_word":4039,"end_word":4039,"sentiment":"positive","sentiment_score":0.39314505457878113},{"text":"Well, I have sent the email there to you. So you've got your statement of advice in your emails. We also have attached the financial services guide, the appendices with the research conducted. And depending on how much reading you enjoy doing, I've also got the product disclosure statements for Hub twenty four and ClearViews. You're welcome to run your eyes over that. In the recommendations which I've outlined in the document, we've also got the risks, advantages, disadvantages. I run through some of those with you, but there's quite an extensive range in there for you to run your eyes Yeah. over. And then we also have the best interest duties. So any advice we do provide is linked back to your goals and noted in the in its best interest and how it's in your best interest to follow through with the recommendations there. But once you've kinda read through it, if there's any questions that come out of that, you're welcome to let me know.","start_word":4040,"end_word":4207,"sentiment":"neutral","sentiment_score":0.1443201063999108},{"text":"And if you kinda go through it, you're just happy to take on the advice.","start_word":4208,"end_word":4222,"sentiment":"positive","sentiment_score":0.5743645429611206},{"text":"We'll just get you to sign and return that one back there for us. Okay? Yep.","start_word":4223,"end_word":4238,"sentiment":"neutral","sentiment_score":0.25757938623428345},{"text":"Not a problem. Easy. Easy. Thank you so much. Well, that's everything I needed to touch on, but thank you so much for your time. I hope you get home soon and can put your feet up. Another thirty minutes, and I'll be there. That's all good. Oh, bless you.","start_word":4239,"end_word":4288,"sentiment":"positive","sentiment_score":0.4511089324951172},{"text":"Look. I've got another probably half an hour or a bit longer at work. I finish Well, at yeah. six tonight, and then I drive another forty minutes home. So I I understand that. Understand? Yeah. So well, that's it. Like, if I if I leave any later, it doesn't change any any, like, time difference. But I Yep. just leave when I can leave and just copy it. It is what it is sometimes. Absolutely. Absolutely. I don't know about you, but I find that my sitting in traffic is kind of my time. I can listen to Yes. a book or listen to, you know, something and just zone out for a little while and just have quiet.","start_word":4289,"end_word":4408,"sentiment":"neutral","sentiment_score":0.010965299792587755},{"text":"That's probably the nicest part of my day, just sitting in silence and listen to music or a podcast or a book or something.","start_word":4409,"end_word":4432,"sentiment":"positive","sentiment_score":0.6263521909713745},{"text":"Yes. Yeah. Without any other distractions, you know, not allowed to answer Yeah. work calls. Yeah. Absolutely. No.","start_word":4433,"end_word":4450,"sentiment":"neutral","sentiment_score":0.088898204267025},{"text":"Beautiful. Well, look. Drive safe. Get home safely, and let me know if there's any questions that yeah. It looks thank you so much for allowing me to put this together. I've really enjoyed doing the research for you. You Yes. too. Awesome. Thank you. Thanks, Richard. I'll let you Alright. go. You have a lovely evening. Cheers. Thank you. Bye. Thanks. See you later.","start_word":4451,"end_word":4515,"sentiment":"positive","sentiment_score":0.5828862190246582},{"text":"Bye.","start_word":4516,"end_word":4516,"sentiment":"neutral","sentiment_score":0.2550675570964813}],"average":{"sentiment":"neutral","sentiment_score":0.12065279880428648}}}}