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Is now still a good time there for you? Yeah. All good. But do you happen to have access to your emails there at the moment? Yes. Beautiful. What I'm gonna do is I'm gonna send through the document to you. If you can let me know when that pops over. Sorry. It won't be a moment. My computer's having a little bit of a moment. Try and send that one again for you. All good. Saying it's sending now. Sorry. This is a bit of a large document. I've just attached a few additional attachments there for you. While it's coming through, how's your day been? Busy. Yeah. Yeah. Oh, wow. So sorry. My computer's a little bit slow today, and it's telling me that there's an issue with the documents. So is it okay if I run you through the document, through the advice, and then send it through to you shortly so you can review it after the call? Is that at all okay? Or yep. That's okay. I don't know what's happening with this document. I've got everything attached that I need to. It's just telling me there's an error with it, so I think I have to go back out and redo it and reset it up for you. So I do apologize about that. I was also gonna try to keep my voice for you. I'm so sorry. My voice is running a bit low this afternoon. It's a bit husky. So if if you need me to repeat anything, please do let me know. It's absolutely not an issue. Okay? Perfect. Now, David, the document has been prepared for yourself. We've the date on the document was updated to the April 14. So when we completed the documents there, these advice documents are generally valid for about sixty days. However, if something takes a bit longer, if something happens and you don't sort of sign the document within that sixty days, that's absolutely okay. We just go back and update all of your circumstances before taking, moving forward with the advice for you. Okay? On the front of this document here, it does let you know my authorized representative number is 1304394. I'm also sending through as part of this the updated financial service guide as well, and it has all of our licensing information there as we are licensed advisers through. Okay? As we go through the document, you will note that we do provide advice under the best interest duty, which is part of the corporation's access about making sure that we understand your goals, that we understand your goals and objectives, and your financial circumstances to be able to make sure the advice is aligned with your goals, is that it meet your goals and help you working towards your future goals as well. Okay? I have an about you section in there. When you're looking at that one, just let me know if there's any changes to your circumstances there. Everything is valid as of the last tax fund that we updated. The only thing I sort of really like to double check is income wise. You weren't about 156,000 per annum. Has that changed at all? Or right. That's right. You had just recently started that a couple of months back. Yeah. Yep. Right. Okay. No worries at all. And your second role, you'd not long started. You've been doing that for, I believe, three months now or since January, so four months. Yeah. Beautiful. Okay. Lovely. Lovely. And are you enjoying that? No. That's absolutely okay. The only thing that may impact is the your with the recommendations to increase your income protection, we've sort of gone on the income that you were earning at $156,000 to sort of make make that recommendation for you. There because your income has increased, we may need to look at increasing that depending on what your needs are. However, if the amount that we're recommending you increase your income protection by is sufficient as a monthly benefit, then it still will work okay. So when you're looking at the document, I'll just get you to run your eyes over that. Have a bit of a think about your expenditure and what you have coming out, and let me know whether you think you need to increase that income protection recommendation or whether you're comfortable taking it as it is currently. Okay? Beautiful. Now the first thing I did wanna sort of go through with you with this advice document is the superannuation side of things. So we have scoped in superannuation there. We have sort of noted that when we spoke last time, you sort of wanted to look at sorry. You wanted to look at moving into more of a high growth portfolio environment there, which is absolutely fine. You're still nice and young. You've got a lot of time ahead of you before you're able to access your super. So moving into that high growth environment is absolutely a good place to go. We have just sort of done some rethinking of our portfolios recently as well because there have been some changes to the market there. So, essentially, in order to move you into that high growth environment, which is normally where you see around about 90% of your super investment growth assets. So we're looking at things like Australian and international shares, our property, and also alternative growth assets like like credit and also metals, like precious metals like gold and silver. Okay. So what we're looking to do with this recommendation for your super is sell off some of your investments and do a little bit of redigging to make sure you're in high growth environment, but also make sure that the portfolio is working harder for you. So one of the things we are looking to sell is you've got some bank hybrids in there at the moment. We're gonna sell off all of those. Moving forward, the government is phasing those out as an investment option. So moving those now well for altering your portfolio means that we can cement the gains and utilize any of any previous losses to offset for you. We're also gonna be looking at selling all of the, global agriculture. Has been really good in the past, but we're moving into that high growth environment there, and the newer portfolio is working better. We're keeping physical gold. Gold is fantastic, but you're a bit overexposed at the moment. So we're just going to sort of rebalance that and bring you back to about 7% in your gold exposure. Keeping some cybersecurity in there. Cybersecurity has taken a little bit of a hit over the last twelve months, but it's still a really good place to be with your portfolio, and we're just gonna rebalance that for you. So you're at about 4% cybersecurity now. We're just gonna bring that up to about 7% exposure for you. Okay? With the S and P 500, at the moment, you've got about 27% in there, so we're gonna sell some of that off and bring you back down to about 25%. Having US shares is still a really good place to be, and there is a lot in the in the world there with what's happening with Iran and The US. However, when you look at history, even when The US is in the middle of a war or something is going on that is causing this market tension, The US still does provide great long term investment. So it is still worth being in The US. And the good thing with the S and P 500 is this tracks the S and P 500 index. So that essentially means that, the makers of the index meet every quarter. The investment community, they meet every quarter, and they essentially assess who is eligible to be in the S and P 500 index. If a company is no longer eligible, they are removed and replaced with something else. So being in the S and P 500 and tracking the index means that you are always tracking the top 500 companies in The US. Okay? We were gonna sell off all of oh, sorry. Part of the beta shares Raffy. This is essentially giving you access to small and medium cap stocks on the ASX there. Being in a high growth environment, it is a it's sort of more of taking a little bit more risk in the market and giving you exposure to the mid and small cap area is important for that. So we're gonna keep about 15% exposure in there. Then along Australian equities, that was placed into your portfolio back when you came on board. It was meant to be more of an actively managed fund. However, it has been underperforming. So we are gonna remove that completely out of your portfolio. Sorry. Were you gonna ask the question you're at? Yep. Yes. It was. Been along Australian Equities, the managed fund there. Yeah. It has. Unfortunately, what happened in their investment was some underlying investments were a bit dishonest. They weren't able to get out of it, but we're able to get you out of it. So we've sort of done a bit of digging and had a look at some other options to try and get you out. We're gonna sell all of that investment. We no longer see it as a a very good investment. It's been downgraded by many an analyst as well. So it is worth selling completely out of that. The fact that it is down a little bit is really good because we can utilize the off the losses that have been received by Benelong being down to offset some of the gains to help limit the CGT utilizing that through our benefit and taking you out of that completely. In order to place that along to make sure you still have that Australian ex Australian equities exposure, we're gonna move you into the beta shares a 200. That's essentially tracking the top 200 companies in Australia. It's not an actively managed fund like like Banna like Banna Long was. It's more of a passively managed fund tracking the index, but it's also lower cost. So it does save you an investment fees as well as well as giving you that exposure to Australian equities. Okay? The ClearBridge Rent Infrastructure Income Fund, if that was in your portfolio, we are removing that out. It has been great over the last couple of years. However, whilst with what's happening at the moment, we are finding the infrastructure taking a little bit of a pullback. So it is good to maybe move that out and put into funds into something else for the time being. India is still a really good place to be, giving you diverse vacation to other areas. So we are putting 7% into India. This is more of a somatic kind of ETF. So looking at a theme of of quality Indian stocks that have been around for a long time, but also making sure that we're sort of branching out to obtain greater growth moving forward as well as part of that high growth portfolio. Okay? Global health care is still is in the portfolio. It wasn't in your last one, but has been in a few of our other ones, and we are having it in this one for you. So, again, it's more of a thematic kind of ETF. It's looking at health care globally. It doesn't just look at, like, medical offices and hospitals and things like that. It also looks at the tech sector within the medical area and health care area, and it's globally. So it's giving you diversification by branching out across the globe. Okay? And then we've also got there the JPMorgan Global Research and Equity Fund. This is a small amount of this fund has a small amount of active management in there. It's essentially utilizing JPMorgan's research teams to find out where there are where the investments to be invested in. This is global, so they're looking worldwide for what is coming up, what is building, what is good, and this sort of investment has been has been really good for diversification, has been good growth over the last few months, and we feel like it's gonna do well moving forward as well. So we're adding that investment into your portfolio for you as well. And then it's still important to have a little bit of defensive investments of things like cash, bonds, and fixed interest to help with that diversification. So we're still gonna keep some core composite bonds in there. These essentially core composite bonds are government and corporate bonds. This investment also does look at global diversification. It has some credit notes and things like that in there, some debt from across the world as well. So it's kinda diversifying those defensive assets for you, and we'll see about 7% of your portfolio invested in those defensive areas there. Okay? Beautiful. I've gone through that as with as much detail. I know it can be a little bit a a lot to kinda go through there. I'll let you look at the document. If you have any questions in relation to those, let me know. But feel free to pull those investments up and have a bit more of a read through, and you can have sort of have a look at where we sort of see things moving. With the with the changes that we are making at the moment in your existing portfolio, because you're more of that growth environment, you have about 86.82% in growth investments. So by making these changes here, we're increasing your growth assets to about 93% to bring you more in line with that high growth kind of environment and then decreasing the defensive assets from 13.18% to about 7% there for you. Okay? Yes. I can pull up your seat belt and have a bit of a look. Yeah. A lot of that was because of VannaLon, but then there's also a lot because of what was happening globally there. So when we have a look at your super I'm just pulling up a report to see exactly kinda what's happened. But when I'm just looking at the front sort of section here, I can see the biggest dip was kind of around about that March 2324 when we sort of see the largest dip in super. But then we have had a little bit of a recovery back again. So we did see a bit of a dip with what was happening with Trump making those announcements with, obviously, the straight closing there. But then we have seen a bit more of a recovery back from that. It hasn't recovered fully from where it was at the beginning of that. However, any kind of recovery is still a positive one. The market over the last couple of days have not actually been doing too bad. We've seen some really great growth there. And when I just look at your portfolio over the last month, so it's from the twenty fourth of last month to the twenty third of this month, it actually shows your portfolio is up by 4.94%. So it's made nearly $6,000 in the last month there, which is not a bad amount of growth in recovery. So it's still not doing badly. It's just sort of one of those one of those parts of the cycles where you just need to sort of sit through, allow it to go through those downtimes. And whilst the markets are moving up and down and we do rebalance and alter this portfolio, whilst we are removing Van Along and making those changes there, we'll be able to try and, you know, Hub 24 when you submit those requests. We'll be able to try and take advantage of the market ups and downs to try and make sure they're limiting CGT and taking advantage of any down times that the market sees while for rebalancing for you. Okay? Yeah. Sure. Mhmm. That you do it? Yeah. Mhmm. Yeah. So that does make it really difficult to do. So, generally speaking, we can advise on self managed super funds. There is no issue there in any way, shape, or form, but we do have very much limitations. So there is a lot of requirements around providing advice around super self managed super funds. And generally speaking, we would not be recommending you do that unless your balance is at least 250 to 300,000. That's mostly because your contributions are used as for the borrowing capacity of the the property. But there's also other costs involved, so you've gotta kinda consider whether you want you're only gonna own the property or whether you're gonna want, like, a share portfolio inside that SMSF as well. You also have to leave a certain amount of cash and factor in a couple of years worth of, you know, auditing fees, ongoing management fees for the buyer's agent or the accountant, the auditors, and anyone else that you have in there. We also sort of need you to understand what your borrowing capacity is prior to making the recommendation to move into an SMS app and just making sure that you understand the ongoing fees and compliance. Because the biggest aspect is that even though we, as advisers, can advise them on the account and help you look after it, your buyer's agent or your mortgage broker helps you to buy the property, at the end of the day, it's a self managed super fund. So you become the trustee of that fund in whatever structure there is. You're then responsible for the ongoing maintenance and management of the fund regardless of whoever else is helping for you. You've gotta make the payment for the ongoing bills of the maintenance and fees of the the property within it, your land tax and other bills and things like that, plus making sure you pay all the other people that are helping you to maintain and monitor it. Have it audited every year and make sure that the ATO keeps it as a compliant fund. So there is a lot of work involved. If you're only wanting to hold a property, I'll be really honest, we do charge an upfront fee for onboarding or changing the structure of your super because it is a brand new advice document. It is quite complex there. But if you're only wanting to buy a property, I'm gonna be really honest with you. You would be better off just speaking to your accountant and or the buyer's agent, and having everything set up directly. Because my advice would essentially be, I recommend that you set up a self managed super fund. I recommend that you, you know, move this much money into a bank account which you have to set up and that your a your tax agent organizes the setup of the SMS app with the ATO. So I personally just don't see the value in charging you $5 to tell you, don't see your account and your mortgage broker and your buyer's agent to organize all of these things. If it's something you're absolutely wanting to do, speak to your account and speak to your buyer's agent. I would hate to see you leave as a client, but at the same time, if it's what you wanna do and it's best for you, I'm more than happy to help you kind of make that move. I just like to be really honest and open about, you know, what my advice would entail if you're only wanting to own a property in that structure. Okay? Yeah. Yeah. Yeah. Yeah. It's just a lot to consider, isn't it? Yeah. No. That's okay. If you have any additional questions, you're welcome to let me know. I do sort of pride myself in being honest with you. So I feel like that's the best information I can give you for the moment there. Insane that your balance is growing. Things have been working quite nicely. If you don't have any other member, if it's just going to be yourself in the Self Money Super Fund, your balance is a bit low for where, you know, we would normally like it to be to do to take on that sort of environment, but at the same time, it's completely your decision. So if you come back with a borrowing capacity, you find a property and you wanna do that, you can absolutely do that. We can keep looking after everything on this end until you complete the transfer, and then we could always help you to, you know, make sure your super transfers into the SMS. That's the way you want it to be. The other option is if, you know, your borrowing capacity isn't what you want, you wanna kinda build that super up a bit more, you can leave it where it is. We can keep looking after it. And when your super does get to that sort of $25,300,000 mark, then we can always look to help you to do the transition there and sort of see what what your goals are at that period of time as well. Okay? Yeah. Yes. I've got those. Yeah. Yep. I've got those here for you as well. I just just with the last part of the recommendations to change your super into the high growth environment and to make those changes there, I do have to let you know, obviously, there are the advantages there. So the administration fees for the newer portfolio do actually reduce, so you save about $10 for the year in admin fees. And the newer portfolio saves you about $230 for the year in investment fees. So this newer portfolio that I'm recommending is a much cheaper portfolio for you, which is a benefit. The we use a three year rolling average because some of the investments with the same hybrids you've got there now haven't been around long enough to give you a five year rolling average. But the newer portfolio that we're looking to move you into has seen a greater three year rate rate of return as well. Your current portfolio in that growth environment has averaged about 14.2%, whereas the newer portfolio has averaged about 15.99%. So as long as the markets work the way they have, this portfolio could see you getting greater potential returns. You're also taking a bit more risk in that as well. Okay. Excellent. I do have to also let you know there are CGT consequences for the switch of investments as well. So whenever we are switching investments inside the super system, the same as you do your own tax return every year, your super fund does a tax return as well. So there are CGT consequences based on our research. We expect that to be about $515 there. So to make the changes, save a bit of money there, your super fund would only end up with about $515 to pay CGT for making that switch for you. Okay? And I've got an updated projection there for you. I'll let you have a bit of a look at that. Over the next sort of five to ten years, we can sort of see if if the market performs the way it has, if you're able to get the return that it has produced over the last sort of three odd years and keep that return going for the next five to ten years, you could end up with a bit over 575,000 in the. Okay. Oh, good. Sorry? That's the next ten over the next ten years. Yeah. Yeah. Because you're still so young, I know the last advice documents were sort of giving you after the projections up until the time of retirement. But, realistically, I don't like to do that because there's too many things that could change in your life. You know, your income could change. Your job can change. You've now got two jobs, and you're also looking at other things that are changing in your life as well. So with too many variables, it's really not a good idea to be providing a a projection over the next twenty years. It'll look really lovely, but it's not really very logical to do so. So we keep it short now. We do a ten year projection at the most, noting that this is it can change due to market factors, due to your life, your goals. There's so many other variables that could change in that next ten years. And then we just wanna do catch ups with you on a regular basis to make sure we can update the advice as those changes come into play. Okay? Beautiful. The next thing we did talk about was the insurance policy there. So you've got your life, your TPD, your income protection currently. Your life and TPD currently has a sum insured of $1,859,002.56, and your income protection currently has a monthly benefit of 8,935 and 40¢. You have a four week waiting and a five year benefit period. You wanted to look at increasing that to 2,500,000. So that would mean that we're applying for an increase on life and CPD of 640 thousand $7.44 and then increased income protection benefit. This is based on your income of a 156,000. We'd be increasing the monthly benefit by a $164.60 on a monthly basis, keeping that four year wait sorry, four weeks for our waiting period and five year benefit period there. Essentially, with the increase to the policy, your current policy's yearly premium is $2.02 $3.01 $0.02. It increases to 2 $6.04 $9.90. So it's only a very small increase there to bring it up. One of the things I did have a look at is what the expectation looks like. So we are recommending that that increase be completed with cow. That way, you only have to undergo limited underwriting. So the current policy you have stays in place exactly as it is. And because when we sort of looked at your house, you've got you've had some back pain and some back issues there. So we are kind of expecting a bit of a back related exclusion on the increased policy only, and that's why I wanted to leave it with Pal so that any changes since your policy came into force. And as we get older, our health changes. I have back problems, so it's completely normal, especially for office workers. So, essentially, the the exclusion isn't on your current policy there. And when we go through the newer applications, that exclusion would only apply to the new new part of the policy, which would leave you as part of your policy with no exclusion, which should be good. And it all just comes down to anything else. So if there's any other disclosures as part of the application that we're not aware of, there is a risk of any other loadings or exclusions applied, but I'll make sure once you go through the application to increase the policy that I reviewed the application prior to it being submitted. That way we can flag anything else that might come up for you. Okay? Perfect. So only a small difference in the cost there. I'll let you go back and have a little look at that one. Let me know what you wanna do with the income protection because this is covering you for up to 70% of your income based on a 156,000. And now that you do have those two jobs and you do have a higher income, just have a look at your expenditure. Realistically, if you, if you're if the amount we're applying for is gonna cover your monthly expenditure and you're comfortable with that amount in the event of a claim, then it's absolutely fine to to look at and to keep. If you feel it's not gonna be sufficient in the event that you're not able to go to work due to illness or injury, then I can go back and get another card to look at increasing that for you, And I'll just update the advice document to to reconfirm the changes in the cost for you. Okay? All good. The other thing I did look at was when you get to these higher, some insureds, some of the all of the insurers have these stipulations or have these limits around getting financial and medical underwriting. Now because you've disclosed that there is that back issue, they will go through medical underwriting. However, I had a bit of a look, and given the amount that you're wanting to apply for, it doesn't need it won't need any additional financial underwriting. So we've made sure we're under the limit for that. Sorry. You're right. Mhmm. Mhmm. Yeah. So they will still underwrite. They'll essentially go through with what you've answered the questions at, and then it'll go through the underwriters. The underwriters will ask for all of the doctor's reports. So they'll probably go to the doctor and say, look. We need these reports to confirm this injury or illness or what has happened here. They'll go through the medical reports and determine whether an exclusion is required or not. I've noted here that I expected exclusion because I only have very limited information. I'd rather tell you we're expecting exclusion and have them come back and go, hey. It's not as bad. If we do apply the exclusion, often, they'll apply for a certain point of time. So if you've not had any back pain for a couple of years, no medication, no time off work, and your doctor can probably sign off on that, there is a chance that they may review the exclusion and or remove it. But it just comes down to what your doctor says in the reports, what they come up with, and then we can kinda go from there for you. There's always a chance they may not apply the exclusion. I just would prefer to sort of openly I'll let you know this is what I'm expecting based on the information we have at the moment. Okay? Yep. Perfect. All good. Other than that, that's basically everything I've got here. I do know the other thing I did sort of note down was we talked about your beneficiaries. At the moment, your beneficiaries on your super, you have part going to your spouse. Mhmm. Yep. That's correct. And a little bit going to your child there as well, so 80 20. Now the way this kind of works is if you were to pass away with part of it going to your child, it actually doesn't go to your child directly. It either goes to your spouse or it goes to a public trustee and is held in trust for your child. So to make sure that the benefit is paid correctly so it can be utilized for what you want it to. I'm recommending that we update that nomination so it goes a 100% to your spouse. That means she receives the full benefit a 100% tax free, and she can use that benefit to look after your child, make sure schooling's looked after. She can have it paid as a lump sum or an income stream. It can, you know, be paid in several different ways to make sure it's provided correctly. But it just takes away the risk there of it going through the public trustee or somebody else having having those funds to look after your child. So it works out that better that way. The other side of it is if, you know, this all works and you keep the beneficiary the way it is and the child becomes, you know, a nondependent when they turn 18, 21, and they're financially dependent on themselves, and you kept your beneficiary the same, your staff would still receive her portion completely tax free, but children who are nontax dependents actually pay tax on the amount they receive or the taxable component of your super. So having it paid directly to yourself makes it a lot easier, and then she can either pay a part to to the children after she's received the benefit, complete the tax free, or she can, if the child's still very minor, can sort of make sure the child is looked after. And it can even put some money into a trust or into a bank account or into an investment for the child as well. It just tends to be a lot more tax effective that way and make sure that the the funds are paid and so your child can be looked after because that's really important. Does that make sense? Yeah. Beautiful. Yeah. Yes. If you like, I can get someone to send you another one. I'll get you to read through this document. I'm just trying to resend it now. I'm just sort of restarting my computer a bit because it's having a bit of a moment. I've done a few calls today and sent a few of these. I think my computer's frozen on me. I'm just restarting, and I'll resend it out to you so you can kind of go over and review it all. Let me know if you do happen to have any questions there. It's just important to let you know that, obviously, with insurances, we do receive remuneration from the insurance companies for the recommendations that we do make. With, we do receive 66% of the first year's premium and then 22% their ongoing. I just like to make it really clear that that has no reflection of my recommendation. I'm recommending you retain because of the limited underwriting to increase the policy. And with the expected outcome, it's gonna work better in your favor. I just like to make sure we disclose that remuneration is paid by the insurer to us, and it's standard across the board and legislated at those percentages. Okay? All good. Beautiful. I'm really sorry that the the system didn't send it out to you, but I'll get that out to you shortly so you can have a really good read to it there, David. And you've got my email, so you're welcome to let me know if you do have any questions in relation to any of it and or let me know if you wanna have a more of a chat, and I'm happy to book you back in, and we can go through it again together. Okay? All good. All good. You've got are you still working for the rest of the day? You don't get an early market all this week? Oh, well, I hope you have a lovely afternoon. Hopefully, it's nice and sunny where you are, and I hope you have a good restful weekend ahead. Thanks. Thanks, David. I'll let you go. You have a lovely day. Thank you for your time, and I'll get this email out to you very shortly. Thank you. See you 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afternoon. This is Dana. That's absolutely fine, David. Thank you so much for calling me back. I just had you booked in this afternoon just to run over to an updated advice document.\n\nIs now still a good time there for you? Yeah. All good. But do you happen to have access to your emails there at the moment? Yes.\n\nBeautiful. What I'm gonna do is I'm gonna send through the document to you. If you can let me know when that pops over. Sorry. It won't be a moment.\n\nMy computer's having a little bit of a moment. Try and send that one again for you. All good. Saying it's sending now. Sorry.\n\nThis is a bit of a large document. I've just attached a few additional attachments there for you. While it's coming through, how's your day been? Busy. Yeah.\n\nYeah. Oh, wow. So sorry. My computer's a little bit slow today, and it's telling me that there's an issue with the documents. So is it okay if I run you through the document, through the advice, and then send it through to you shortly so you can review it after the call?\n\nIs that at all okay? Or yep. That's okay. I don't know what's happening with this document. I've got everything attached that I need to.\n\nIt's just telling me there's an error with it, so I think I have to go back out and redo it and reset it up for you. So I do apologize about that. I was also gonna try to keep my voice for you. I'm so sorry. My voice is running a bit low this afternoon.\n\nIt's a bit husky. So if if you need me to repeat anything, please do let me know. It's absolutely not an issue. Okay? Perfect.\n\nNow, David, the document has been prepared for yourself. We've the date on the document was updated to the April 14. So when we completed the documents there, these advice documents are generally valid for about sixty days. However, if something takes a bit longer, if something happens and you don't sort of sign the document within that sixty days, that's absolutely okay. We just go back and update all of your circumstances before taking, moving forward with the advice for you.\n\nOkay? On the front of this document here, it does let you know my authorized representative number is 1304394. I'm also sending through as part of this the updated financial service guide as well, and it has all of our licensing information there as we are licensed advisers through. Okay? As we go through the document, you will note that we do provide advice under the best interest duty, which is part of the corporation's access about making sure that we understand your goals, that we understand your goals and objectives, and your financial circumstances to be able to make sure the advice is aligned with your goals, is that it meet your goals and help you working towards your future goals as well.\n\nOkay? I have an about you section in there. When you're looking at that one, just let me know if there's any changes to your circumstances there. Everything is valid as of the last tax fund that we updated. The only thing I sort of really like to double check is income wise.\n\nYou weren't about 156,000 per annum. Has that changed at all? Or right. That's right. You had just recently started that a couple of months back.\n\nYeah. Yep. Right. Okay. No worries at all.\n\nAnd your second role, you'd not long started. You've been doing that for, I believe, three months now or since January, so four months. Yeah. Beautiful. Okay.\n\nLovely. Lovely. And are you enjoying that? No. That's absolutely okay.\n\nThe only thing that may impact is the your with the recommendations to increase your income protection, we've sort of gone on the income that you were earning at $156,000 to sort of make make that recommendation for you. There because your income has increased, we may need to look at increasing that depending on what your needs are. However, if the amount that we're recommending you increase your income protection by is sufficient as a monthly benefit, then it still will work okay. So when you're looking at the document, I'll just get you to run your eyes over that. Have a bit of a think about your expenditure and what you have coming out, and let me know whether you think you need to increase that income protection recommendation or whether you're comfortable taking it as it is currently.\n\nOkay? Beautiful. Now the first thing I did wanna sort of go through with you with this advice document is the superannuation side of things. So we have scoped in superannuation there. We have sort of noted that when we spoke last time, you sort of wanted to look at sorry.\n\nYou wanted to look at moving into more of a high growth portfolio environment there, which is absolutely fine. You're still nice and young. You've got a lot of time ahead of you before you're able to access your super. So moving into that high growth environment is absolutely a good place to go. We have just sort of done some rethinking of our portfolios recently as well because there have been some changes to the market there.\n\nSo, essentially, in order to move you into that high growth environment, which is normally where you see around about 90% of your super investment growth assets. So we're looking at things like Australian and international shares, our property, and also alternative growth assets like like credit and also metals, like precious metals like gold and silver. Okay. So what we're looking to do with this recommendation for your super is sell off some of your investments and do a little bit of redigging to make sure you're in high growth environment, but also make sure that the portfolio is working harder for you. So one of the things we are looking to sell is you've got some bank hybrids in there at the moment.\n\nWe're gonna sell off all of those. Moving forward, the government is phasing those out as an investment option. So moving those now well for altering your portfolio means that we can cement the gains and utilize any of any previous losses to offset for you. We're also gonna be looking at selling all of the, global agriculture. Has been really good in the past, but we're moving into that high growth environment there, and the newer portfolio is working better.\n\nWe're keeping physical gold. Gold is fantastic, but you're a bit overexposed at the moment. So we're just going to sort of rebalance that and bring you back to about 7% in your gold exposure. Keeping some cybersecurity in there. Cybersecurity has taken a little bit of a hit over the last twelve months, but it's still a really good place to be with your portfolio, and we're just gonna rebalance that for you.\n\nSo you're at about 4% cybersecurity now. We're just gonna bring that up to about 7% exposure for you. Okay? With the S and P 500, at the moment, you've got about 27% in there, so we're gonna sell some of that off and bring you back down to about 25%. Having US shares is still a really good place to be, and there is a lot in the in the world there with what's happening with Iran and The US.\n\nHowever, when you look at history, even when The US is in the middle of a war or something is going on that is causing this market tension, The US still does provide great long term investment. So it is still worth being in The US. And the good thing with the S and P 500 is this tracks the S and P 500 index. So that essentially means that, the makers of the index meet every quarter. The investment community, they meet every quarter, and they essentially assess who is eligible to be in the S and P 500 index.\n\nIf a company is no longer eligible, they are removed and replaced with something else. So being in the S and P 500 and tracking the index means that you are always tracking the top 500 companies in The US. Okay? We were gonna sell off all of oh, sorry. Part of the beta shares Raffy.\n\nThis is essentially giving you access to small and medium cap stocks on the ASX there. Being in a high growth environment, it is a it's sort of more of taking a little bit more risk in the market and giving you exposure to the mid and small cap area is important for that. So we're gonna keep about 15% exposure in there. Then along Australian equities, that was placed into your portfolio back when you came on board. It was meant to be more of an actively managed fund.\n\nHowever, it has been underperforming. So we are gonna remove that completely out of your portfolio. Sorry. Were you gonna ask the question you're at? Yep.\n\nYes. It was. Been along Australian Equities, the managed fund there. Yeah. It has.\n\nUnfortunately, what happened in their investment was some underlying investments were a bit dishonest. They weren't able to get out of it, but we're able to get you out of it. So we've sort of done a bit of digging and had a look at some other options to try and get you out. We're gonna sell all of that investment. We no longer see it as a a very good investment.\n\nIt's been downgraded by many an analyst as well. So it is worth selling completely out of that. The fact that it is down a little bit is really good because we can utilize the off the losses that have been received by Benelong being down to offset some of the gains to help limit the CGT utilizing that through our benefit and taking you out of that completely. In order to place that along to make sure you still have that Australian ex Australian equities exposure, we're gonna move you into the beta shares a 200. That's essentially tracking the top 200 companies in Australia.\n\nIt's not an actively managed fund like like Banna like Banna Long was. It's more of a passively managed fund tracking the index, but it's also lower cost. So it does save you an investment fees as well as well as giving you that exposure to Australian equities. Okay? The ClearBridge Rent Infrastructure Income Fund, if that was in your portfolio, we are removing that out.\n\nIt has been great over the last couple of years. However, whilst with what's happening at the moment, we are finding the infrastructure taking a little bit of a pullback. So it is good to maybe move that out and put into funds into something else for the time being. India is still a really good place to be, giving you diverse vacation to other areas. So we are putting 7% into India.\n\nThis is more of a somatic kind of ETF. So looking at a theme of of quality Indian stocks that have been around for a long time, but also making sure that we're sort of branching out to obtain greater growth moving forward as well as part of that high growth portfolio. Okay? Global health care is still is in the portfolio. It wasn't in your last one, but has been in a few of our other ones, and we are having it in this one for you.\n\nSo, again, it's more of a thematic kind of ETF. It's looking at health care globally. It doesn't just look at, like, medical offices and hospitals and things like that. It also looks at the tech sector within the medical area and health care area, and it's globally. So it's giving you diversification by branching out across the globe.\n\nOkay? And then we've also got there the JPMorgan Global Research and Equity Fund. This is a small amount of this fund has a small amount of active management in there. It's essentially utilizing JPMorgan's research teams to find out where there are where the investments to be invested in. This is global, so they're looking worldwide for what is coming up, what is building, what is good, and this sort of investment has been has been really good for diversification, has been good growth over the last few months, and we feel like it's gonna do well moving forward as well.\n\nSo we're adding that investment into your portfolio for you as well. And then it's still important to have a little bit of defensive investments of things like cash, bonds, and fixed interest to help with that diversification. So we're still gonna keep some core composite bonds in there. These essentially core composite bonds are government and corporate bonds. This investment also does look at global diversification.\n\nIt has some credit notes and things like that in there, some debt from across the world as well. So it's kinda diversifying those defensive assets for you, and we'll see about 7% of your portfolio invested in those defensive areas there. Okay? Beautiful. I've gone through that as with as much detail.\n\nI know it can be a little bit a a lot to kinda go through there. I'll let you look at the document. If you have any questions in relation to those, let me know. But feel free to pull those investments up and have a bit more of a read through, and you can have sort of have a look at where we sort of see things moving. With the with the changes that we are making at the moment in your existing portfolio, because you're more of that growth environment, you have about 86.82% in growth investments.\n\nSo by making these changes here, we're increasing your growth assets to about 93% to bring you more in line with that high growth kind of environment and then decreasing the defensive assets from 13.18% to about 7% there for you. Okay? Yes. I can pull up your seat belt and have a bit of a look. Yeah.\n\nA lot of that was because of VannaLon, but then there's also a lot because of what was happening globally there. So when we have a look at your super I'm just pulling up a report to see exactly kinda what's happened. But when I'm just looking at the front sort of section here, I can see the biggest dip was kind of around about that March 2324 when we sort of see the largest dip in super. But then we have had a little bit of a recovery back again. So we did see a bit of a dip with what was happening with Trump making those announcements with, obviously, the straight closing there.\n\nBut then we have seen a bit more of a recovery back from that. It hasn't recovered fully from where it was at the beginning of that. However, any kind of recovery is still a positive one. The market over the last couple of days have not actually been doing too bad. We've seen some really great growth there.\n\nAnd when I just look at your portfolio over the last month, so it's from the twenty fourth of last month to the twenty third of this month, it actually shows your portfolio is up by 4.94%. So it's made nearly $6,000 in the last month there, which is not a bad amount of growth in recovery. So it's still not doing badly. It's just sort of one of those one of those parts of the cycles where you just need to sort of sit through, allow it to go through those downtimes. And whilst the markets are moving up and down and we do rebalance and alter this portfolio, whilst we are removing Van Along and making those changes there, we'll be able to try and, you know, Hub 24 when you submit those requests.\n\nWe'll be able to try and take advantage of the market ups and downs to try and make sure they're limiting CGT and taking advantage of any down times that the market sees while for rebalancing for you. Okay? Yeah. Sure. Mhmm.\n\nThat you do it? Yeah. Mhmm. Yeah. So that does make it really difficult to do.\n\nSo, generally speaking, we can advise on self managed super funds. There is no issue there in any way, shape, or form, but we do have very much limitations. So there is a lot of requirements around providing advice around super self managed super funds. And generally speaking, we would not be recommending you do that unless your balance is at least 250 to 300,000. That's mostly because your contributions are used as for the borrowing capacity of the the property.\n\nBut there's also other costs involved, so you've gotta kinda consider whether you want you're only gonna own the property or whether you're gonna want, like, a share portfolio inside that SMSF as well. You also have to leave a certain amount of cash and factor in a couple of years worth of, you know, auditing fees, ongoing management fees for the buyer's agent or the accountant, the auditors, and anyone else that you have in there. We also sort of need you to understand what your borrowing capacity is prior to making the recommendation to move into an SMS app and just making sure that you understand the ongoing fees and compliance. Because the biggest aspect is that even though we, as advisers, can advise them on the account and help you look after it, your buyer's agent or your mortgage broker helps you to buy the property, at the end of the day, it's a self managed super fund. So you become the trustee of that fund in whatever structure there is.\n\nYou're then responsible for the ongoing maintenance and management of the fund regardless of whoever else is helping for you. You've gotta make the payment for the ongoing bills of the maintenance and fees of the the property within it, your land tax and other bills and things like that, plus making sure you pay all the other people that are helping you to maintain and monitor it. Have it audited every year and make sure that the ATO keeps it as a compliant fund. So there is a lot of work involved. If you're only wanting to hold a property, I'll be really honest, we do charge an upfront fee for onboarding or changing the structure of your super because it is a brand new advice document.\n\nIt is quite complex there. But if you're only wanting to buy a property, I'm gonna be really honest with you. You would be better off just speaking to your accountant and or the buyer's agent, and having everything set up directly. Because my advice would essentially be, I recommend that you set up a self managed super fund. I recommend that you, you know, move this much money into a bank account which you have to set up and that your a your tax agent organizes the setup of the SMS app with the ATO.\n\nSo I personally just don't see the value in charging you $5 to tell you, don't see your account and your mortgage broker and your buyer's agent to organize all of these things. If it's something you're absolutely wanting to do, speak to your account and speak to your buyer's agent. I would hate to see you leave as a client, but at the same time, if it's what you wanna do and it's best for you, I'm more than happy to help you kind of make that move. I just like to be really honest and open about, you know, what my advice would entail if you're only wanting to own a property in that structure. Okay?\n\nYeah. Yeah. Yeah. Yeah. It's just a lot to consider, isn't it?\n\nYeah. No. That's okay. If you have any additional questions, you're welcome to let me know. I do sort of pride myself in being honest with you.\n\nSo I feel like that's the best information I can give you for the moment there. Insane that your balance is growing. Things have been working quite nicely. If you don't have any other member, if it's just going to be yourself in the Self Money Super Fund, your balance is a bit low for where, you know, we would normally like it to be to do to take on that sort of environment, but at the same time, it's completely your decision. So if you come back with a borrowing capacity, you find a property and you wanna do that, you can absolutely do that.\n\nWe can keep looking after everything on this end until you complete the transfer, and then we could always help you to, you know, make sure your super transfers into the SMS. That's the way you want it to be. The other option is if, you know, your borrowing capacity isn't what you want, you wanna kinda build that super up a bit more, you can leave it where it is. We can keep looking after it. And when your super does get to that sort of $25,300,000 mark, then we can always look to help you to do the transition there and sort of see what what your goals are at that period of time as well.\n\nOkay? Yeah. Yes. I've got those. Yeah.\n\nYep. I've got those here for you as well. I just just with the last part of the recommendations to change your super into the high growth environment and to make those changes there, I do have to let you know, obviously, there are the advantages there. So the administration fees for the newer portfolio do actually reduce, so you save about $10 for the year in admin fees. And the newer portfolio saves you about $230 for the year in investment fees.\n\nSo this newer portfolio that I'm recommending is a much cheaper portfolio for you, which is a benefit. The we use a three year rolling average because some of the investments with the same hybrids you've got there now haven't been around long enough to give you a five year rolling average. But the newer portfolio that we're looking to move you into has seen a greater three year rate rate of return as well. Your current portfolio in that growth environment has averaged about 14.2%, whereas the newer portfolio has averaged about 15.99%. So as long as the markets work the way they have, this portfolio could see you getting greater potential returns.\n\nYou're also taking a bit more risk in that as well. Okay. Excellent. I do have to also let you know there are CGT consequences for the switch of investments as well. So whenever we are switching investments inside the super system, the same as you do your own tax return every year, your super fund does a tax return as well.\n\nSo there are CGT consequences based on our research. We expect that to be about $515 there. So to make the changes, save a bit of money there, your super fund would only end up with about $515 to pay CGT for making that switch for you. Okay? And I've got an updated projection there for you.\n\nI'll let you have a bit of a look at that. Over the next sort of five to ten years, we can sort of see if if the market performs the way it has, if you're able to get the return that it has produced over the last sort of three odd years and keep that return going for the next five to ten years, you could end up with a bit over 575,000 in the. Okay. Oh, good. Sorry?\n\nThat's the next ten over the next ten years. Yeah. Yeah. Because you're still so young, I know the last advice documents were sort of giving you after the projections up until the time of retirement. But, realistically, I don't like to do that because there's too many things that could change in your life.\n\nYou know, your income could change. Your job can change. You've now got two jobs, and you're also looking at other things that are changing in your life as well. So with too many variables, it's really not a good idea to be providing a a projection over the next twenty years. It'll look really lovely, but it's not really very logical to do so.\n\nSo we keep it short now. We do a ten year projection at the most, noting that this is it can change due to market factors, due to your life, your goals. There's so many other variables that could change in that next ten years. And then we just wanna do catch ups with you on a regular basis to make sure we can update the advice as those changes come into play. Okay?\n\nBeautiful. The next thing we did talk about was the insurance policy there. So you've got your life, your TPD, your income protection currently. Your life and TPD currently has a sum insured of $1,859,002.56, and your income protection currently has a monthly benefit of 8,935 and 40¢. You have a four week waiting and a five year benefit period.\n\nYou wanted to look at increasing that to 2,500,000. So that would mean that we're applying for an increase on life and CPD of 640 thousand $7.44 and then increased income protection benefit. This is based on your income of a 156,000. We'd be increasing the monthly benefit by a $164.60 on a monthly basis, keeping that four year wait sorry, four weeks for our waiting period and five year benefit period there. Essentially, with the increase to the policy, your current policy's yearly premium is $2.02 $3.01 $0.02.\n\nIt increases to 2 $6.04 $9.90. So it's only a very small increase there to bring it up. One of the things I did have a look at is what the expectation looks like. So we are recommending that that increase be completed with cow. That way, you only have to undergo limited underwriting.\n\nSo the current policy you have stays in place exactly as it is. And because when we sort of looked at your house, you've got you've had some back pain and some back issues there. So we are kind of expecting a bit of a back related exclusion on the increased policy only, and that's why I wanted to leave it with Pal so that any changes since your policy came into force. And as we get older, our health changes. I have back problems, so it's completely normal, especially for office workers.\n\nSo, essentially, the the exclusion isn't on your current policy there. And when we go through the newer applications, that exclusion would only apply to the new new part of the policy, which would leave you as part of your policy with no exclusion, which should be good. And it all just comes down to anything else. So if there's any other disclosures as part of the application that we're not aware of, there is a risk of any other loadings or exclusions applied, but I'll make sure once you go through the application to increase the policy that I reviewed the application prior to it being submitted. That way we can flag anything else that might come up for you.\n\nOkay? Perfect. So only a small difference in the cost there. I'll let you go back and have a little look at that one. Let me know what you wanna do with the income protection because this is covering you for up to 70% of your income based on a 156,000.\n\nAnd now that you do have those two jobs and you do have a higher income, just have a look at your expenditure. Realistically, if you, if you're if the amount we're applying for is gonna cover your monthly expenditure and you're comfortable with that amount in the event of a claim, then it's absolutely fine to to look at and to keep. If you feel it's not gonna be sufficient in the event that you're not able to go to work due to illness or injury, then I can go back and get another card to look at increasing that for you, And I'll just update the advice document to to reconfirm the changes in the cost for you. Okay? All good.\n\nThe other thing I did look at was when you get to these higher, some insureds, some of the all of the insurers have these stipulations or have these limits around getting financial and medical underwriting. Now because you've disclosed that there is that back issue, they will go through medical underwriting. However, I had a bit of a look, and given the amount that you're wanting to apply for, it doesn't need it won't need any additional financial underwriting. So we've made sure we're under the limit for that. Sorry.\n\nYou're right. Mhmm. Mhmm. Yeah. So they will still underwrite.\n\nThey'll essentially go through with what you've answered the questions at, and then it'll go through the underwriters. The underwriters will ask for all of the doctor's reports. So they'll probably go to the doctor and say, look. We need these reports to confirm this injury or illness or what has happened here. They'll go through the medical reports and determine whether an exclusion is required or not.\n\nI've noted here that I expected exclusion because I only have very limited information. I'd rather tell you we're expecting exclusion and have them come back and go, hey. It's not as bad. If we do apply the exclusion, often, they'll apply for a certain point of time. So if you've not had any back pain for a couple of years, no medication, no time off work, and your doctor can probably sign off on that, there is a chance that they may review the exclusion and or remove it.\n\nBut it just comes down to what your doctor says in the reports, what they come up with, and then we can kinda go from there for you. There's always a chance they may not apply the exclusion. I just would prefer to sort of openly I'll let you know this is what I'm expecting based on the information we have at the moment. Okay? Yep.\n\nPerfect. All good. Other than that, that's basically everything I've got here. I do know the other thing I did sort of note down was we talked about your beneficiaries. At the moment, your beneficiaries on your super, you have part going to your spouse.\n\nMhmm. Yep. That's correct. And a little bit going to your child there as well, so 80 20. Now the way this kind of works is if you were to pass away with part of it going to your child, it actually doesn't go to your child directly.\n\nIt either goes to your spouse or it goes to a public trustee and is held in trust for your child. So to make sure that the benefit is paid correctly so it can be utilized for what you want it to. I'm recommending that we update that nomination so it goes a 100% to your spouse. That means she receives the full benefit a 100% tax free, and she can use that benefit to look after your child, make sure schooling's looked after. She can have it paid as a lump sum or an income stream.\n\nIt can, you know, be paid in several different ways to make sure it's provided correctly. But it just takes away the risk there of it going through the public trustee or somebody else having having those funds to look after your child. So it works out that better that way. The other side of it is if, you know, this all works and you keep the beneficiary the way it is and the child becomes, you know, a nondependent when they turn 18, 21, and they're financially dependent on themselves, and you kept your beneficiary the same, your staff would still receive her portion completely tax free, but children who are nontax dependents actually pay tax on the amount they receive or the taxable component of your super. So having it paid directly to yourself makes it a lot easier, and then she can either pay a part to to the children after she's received the benefit, complete the tax free, or she can, if the child's still very minor, can sort of make sure the child is looked after.\n\nAnd it can even put some money into a trust or into a bank account or into an investment for the child as well. It just tends to be a lot more tax effective that way and make sure that the the funds are paid and so your child can be looked after because that's really important. Does that make sense? Yeah. Beautiful.\n\nYeah. Yes. If you like, I can get someone to send you another one. I'll get you to read through this document. I'm just trying to resend it now.\n\nI'm just sort of restarting my computer a bit because it's having a bit of a moment. I've done a few calls today and sent a few of these. I think my computer's frozen on me. I'm just restarting, and I'll resend it out to you so you can kind of go over and review it all. Let me know if you do happen to have any questions there.\n\nIt's just important to let you know that, obviously, with insurances, we do receive remuneration from the insurance companies for the recommendations that we do make. With, we do receive 66% of the first year's premium and then 22% their ongoing. I just like to make it really clear that that has no reflection of my recommendation. I'm recommending you retain because of the limited underwriting to increase the policy. And with the expected outcome, it's gonna work better in your favor.\n\nI just like to make sure we disclose that remuneration is paid by the insurer to us, and it's standard across the board and legislated at those percentages. Okay? All good. Beautiful. I'm really sorry that the the system didn't send it out to you, but I'll get that out to you shortly so you can have a really good read to it there, David.\n\nAnd you've got my email, so you're welcome to let me know if you do have any questions in relation to any of it and or let me know if you wanna have a more of a chat, and I'm happy to book you back in, and we can go through it again together. Okay? All good. All good. You've got are you still working for the rest of the day?\n\nYou don't get an early market all this week? Oh, well, I hope you have a lovely afternoon. Hopefully, it's nice and sunny where you are, and I hope you have a good restful weekend ahead. Thanks. Thanks, David.\n\nI'll let you go. You have a lovely day. Thank you for your time, and I'll get this email out to you very shortly. Thank you. See you later.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":1.12,"end":1.8399999,"sentiment":"neutral","sentiment_score":0.2549075186252594},{"text":"This is Dana.","start":1.8399999,"end":2.74,"sentiment":"neutral","sentiment_score":0.17847061653931937},{"text":"That's absolutely fine, David.","start":7.3599997,"end":9.12,"sentiment":"positive","sentiment_score":0.6420435160398483},{"text":"Thank you so much for calling me back.","start":9.12,"end":10.559999,"sentiment":"positive","sentiment_score":0.7931306660175323},{"text":"I just had you booked in this afternoon just to run over to an updated advice document.","start":10.559999,"end":14.16,"sentiment":"positive","sentiment_score":0.5128435141900006}],"sentiment":"positive","sentiment_score":0.5493172358940629,"num_words":34,"start":1.12,"end":14.16},{"sentences":[{"text":"Is now still a good time there for you?","start":14.16,"end":20.115,"sentiment":"positive","sentiment_score":0.47425143751833176},{"text":"Yeah.","start":20.115,"end":20.615,"sentiment":"neutral","sentiment_score":0.14152489602565765},{"text":"All good.","start":20.835,"end":21.494999,"sentiment":"neutral","sentiment_score":0.29276154935359955},{"text":"But do you happen to have access to your emails there at the moment?","start":21.795,"end":24.695,"sentiment":"neutral","sentiment_score":0.025167983956635},{"text":"Yes.","start":26.355,"end":26.675,"sentiment":"neutral","sentiment_score":0.19229799509048465}],"sentiment":"neutral","sentiment_score":0.20518372973634136,"num_words":27,"start":14.16,"end":26.675},{"sentences":[{"text":"Beautiful.","start":26.675,"end":27.154999,"sentiment":"positive","sentiment_score":0.4554008245468139},{"text":"What I'm gonna do is I'm gonna send through the document to you.","start":27.154999,"end":29.634998,"sentiment":"neutral","sentiment_score":0.18037028839954963},{"text":"If you can let me know when that pops over.","start":29.634998,"end":32.03,"sentiment":"neutral","sentiment_score":0.11386903822422027},{"text":"Sorry.","start":36.09,"end":36.489998,"sentiment":"neutral","sentiment_score":-0.05596993863582611},{"text":"It won't be a moment.","start":36.489998,"end":37.29,"sentiment":"neutral","sentiment_score":-0.1188689962029457}],"sentiment":"neutral","sentiment_score":0.10961966787775358,"num_words":30,"start":26.675,"end":37.29},{"sentences":[{"text":"My computer's having a little bit of a moment.","start":37.29,"end":39.39,"sentiment":"neutral","sentiment_score":-0.18734338382879892},{"text":"Try and send that one again for you.","start":47.065,"end":49.245,"sentiment":"neutral","sentiment_score":0.03792826645076275},{"text":"All good.","start":54.985,"end":55.644997,"sentiment":"neutral","sentiment_score":0.20779643207788467},{"text":"Saying it's sending now.","start":56.75,"end":58.43,"sentiment":"neutral","sentiment_score":0.07756470143795013},{"text":"Sorry.","start":58.43,"end":58.75,"sentiment":"neutral","sentiment_score":-0.07662415504455566}],"sentiment":"neutral","sentiment_score":-0.030559866999586422,"num_words":24,"start":37.29,"end":58.75},{"sentences":[{"text":"This is a bit of a large document.","start":58.75,"end":60.11,"sentiment":"neutral","sentiment_score":-0.15675283689051867},{"text":"I've just attached a few additional attachments there for you.","start":60.11,"end":62.93,"sentiment":"neutral","sentiment_score":-0.08011392802000046},{"text":"While it's coming through, how's your day been?","start":63.15,"end":65.31,"sentiment":"neutral","sentiment_score":0.009522407170152292},{"text":"Busy.","start":65.31,"end":65.81,"sentiment":"neutral","sentiment_score":-0.020880699157714844},{"text":"Yeah.","start":68.03,"end":68.53,"sentiment":"neutral","sentiment_score":-0.011323591694235802}],"sentiment":"neutral","sentiment_score":-0.07182810745767451,"num_words":28,"start":58.75,"end":68.53},{"sentences":[{"text":"Yeah.","start":71.525,"end":72.025,"sentiment":"neutral","sentiment_score":-0.028189923614263535},{"text":"Oh, wow.","start":72.165,"end":73.065,"sentiment":"neutral","sentiment_score":-0.039704978466033936},{"text":"So sorry.","start":77.125,"end":77.685,"sentiment":"neutral","sentiment_score":-0.10732999444007874},{"text":"My computer's a little bit slow today, and it's telling me that there's an issue with the documents.","start":77.685,"end":82.025,"sentiment":"neutral","sentiment_score":-0.2903046922551261},{"text":"So is it okay if I run you through the document, through the advice, and then send it through to you shortly so you can review it after the call?","start":82.405,"end":92.799995,"sentiment":"neutral","sentiment_score":0.003449667679766814}],"sentiment":"neutral","sentiment_score":-0.10272177923822177,"num_words":53,"start":71.525,"end":92.799995},{"sentences":[{"text":"Is that at all okay?","start":92.799995,"end":94.32,"sentiment":"neutral","sentiment_score":-0.023797936737537384},{"text":"Or yep.","start":94.32,"end":96.494995,"sentiment":"neutral","sentiment_score":-0.005829707253724337},{"text":"That's okay.","start":96.494995,"end":97.295,"sentiment":"neutral","sentiment_score":0.004075178876519203},{"text":"I don't know what's happening with this document.","start":97.295,"end":99.134995,"sentiment":"neutral","sentiment_score":-0.19899463281035423},{"text":"I've got everything attached that I need to.","start":99.134995,"end":100.814995,"sentiment":"neutral","sentiment_score":-0.1418348290026188}],"sentiment":"neutral","sentiment_score":-0.11396537739783526,"num_words":25,"start":92.799995,"end":100.814995},{"sentences":[{"text":"It's just telling me there's an error with it, so I think I have to go back out and redo it and reset it up for you.","start":100.814995,"end":106.174995,"sentiment":"neutral","sentiment_score":-0.20590661548905903},{"text":"So I do apologize about that.","start":106.174995,"end":107.875,"sentiment":"neutral","sentiment_score":-0.12991703674197197},{"text":"I was also gonna try to keep my voice for you.","start":109.51,"end":111.83,"sentiment":"neutral","sentiment_score":-0.027215709401802582},{"text":"I'm so sorry.","start":111.83,"end":112.23,"sentiment":"neutral","sentiment_score":-0.17398383220036825},{"text":"My voice is running a bit low this afternoon.","start":112.23,"end":113.91,"sentiment":"neutral","sentiment_score":-0.2756730566422145}],"sentiment":"neutral","sentiment_score":-0.17216719015102303,"num_words":56,"start":100.814995,"end":113.91},{"sentences":[{"text":"It's a bit husky.","start":113.91,"end":114.950005,"sentiment":"negative","sentiment_score":-0.3850492835044861},{"text":"So if if you need me to repeat anything, please do let me know.","start":114.950005,"end":118.23,"sentiment":"neutral","sentiment_score":-0.03221540179635797},{"text":"It's absolutely not an issue.","start":118.23,"end":119.75,"sentiment":"neutral","sentiment_score":0.17662399113178254},{"text":"Okay?","start":119.75,"end":120.25,"sentiment":"neutral","sentiment_score":0.23134979605674744},{"text":"Perfect.","start":122.125,"end":122.605,"sentiment":"positive","sentiment_score":0.6129186153411865}],"sentiment":"neutral","sentiment_score":-0.010552975684404373,"num_words":25,"start":113.91,"end":122.605},{"sentences":[{"text":"Now, David, the document has been prepared for yourself.","start":122.605,"end":125.825005,"sentiment":"positive","sentiment_score":0.3829958405759599},{"text":"We've the date on the document was updated to the April 14.","start":126.125,"end":129.005,"sentiment":"neutral","sentiment_score":0.23359746982653937},{"text":"So when we completed the documents there, these advice documents are generally valid for about sixty days.","start":129.005,"end":134.38,"sentiment":"neutral","sentiment_score":0.22424614210339153},{"text":"However, if something takes a bit longer, if something happens and you don't sort of sign the document within that sixty days, that's absolutely okay.","start":134.38,"end":140.86,"sentiment":"neutral","sentiment_score":0.18389963284134864},{"text":"We just go back and update all of your circumstances before taking, moving forward with the advice for you.","start":140.86,"end":147.555,"sentiment":"neutral","sentiment_score":0.3116835653781891}],"sentiment":"neutral","sentiment_score":0.25099750222047656,"num_words":82,"start":122.605,"end":147.555},{"sentences":[{"text":"Okay?","start":147.555,"end":148.055,"sentiment":"neutral","sentiment_score":0.15072080492973328},{"text":"On the front of this document here, it does let you know my authorized representative number is 1304394.","start":149.075,"end":154.755,"sentiment":"neutral","sentiment_score":0.2096224692132738},{"text":"I'm also sending through as part of this the updated financial service guide as well, and it has all of our licensing information there as we are licensed advisers through.","start":154.755,"end":162.65,"sentiment":"neutral","sentiment_score":0.16326602349678676},{"text":"Okay?","start":162.65,"end":163.15,"sentiment":"neutral","sentiment_score":0.10701726377010344},{"text":"As we go through the document, you will note that we do provide advice under the best interest duty, which is part of the corporation's access about making sure that we understand your goals, that we understand your goals and objectives, and your financial circumstances to be able to make sure the advice is aligned with your goals, is that it meet your goals and help you working towards your future goals as well.","start":165.93,"end":185.185,"sentiment":"neutral","sentiment_score":0.2775486548607414}],"sentiment":"neutral","sentiment_score":0.23764131999304217,"num_words":124,"start":147.555,"end":185.185},{"sentences":[{"text":"Okay?","start":185.185,"end":185.685,"sentiment":"neutral","sentiment_score":0.11847887933254242},{"text":"I have an about you section in there.","start":187.105,"end":189.025,"sentiment":"neutral","sentiment_score":0.06903347233310342},{"text":"When you're looking at that one, just let me know if there's any changes to your circumstances there.","start":189.025,"end":192.86,"sentiment":"neutral","sentiment_score":0.064215956048833},{"text":"Everything is valid as of the last tax fund that we updated.","start":192.86,"end":196.32,"sentiment":"neutral","sentiment_score":0.09146120926986138},{"text":"The only thing I sort of really like to double check is income wise.","start":196.94,"end":199.82,"sentiment":"neutral","sentiment_score":-0.01320463977754116}],"sentiment":"neutral","sentiment_score":0.05168497021187027,"num_words":53,"start":185.185,"end":199.82},{"sentences":[{"text":"You weren't about 156,000 per annum.","start":199.82,"end":202.54001,"sentiment":"neutral","sentiment_score":-0.02047968174641331},{"text":"Has that changed at all?","start":202.54001,"end":203.74,"sentiment":"neutral","sentiment_score":-0.029036688432097436},{"text":"Or right.","start":203.74,"end":213.235,"sentiment":"neutral","sentiment_score":0.01708226464688778},{"text":"That's right.","start":214.17499,"end":214.815,"sentiment":"neutral","sentiment_score":0.056811995804309845},{"text":"You had just recently started that a couple of months back.","start":214.815,"end":217.53499,"sentiment":"neutral","sentiment_score":0.0381542718545957}],"sentiment":"neutral","sentiment_score":0.011516306871691575,"num_words":26,"start":199.82,"end":217.53499},{"sentences":[{"text":"Yeah.","start":217.53499,"end":218.03499,"sentiment":"neutral","sentiment_score":0.05935268476605415},{"text":"Yep.","start":225.88,"end":226.38,"sentiment":"neutral","sentiment_score":0.04938649758696556},{"text":"Right.","start":226.44,"end":226.94,"sentiment":"neutral","sentiment_score":0.03958003595471382},{"text":"Okay.","start":233.015,"end":233.515,"sentiment":"neutral","sentiment_score":0.020657658576965332},{"text":"No worries at all.","start":233.895,"end":234.935,"sentiment":"neutral","sentiment_score":0.11717199347913265}],"sentiment":"neutral","sentiment_score":0.07970810635015368,"num_words":8,"start":217.53499,"end":234.935},{"sentences":[{"text":"And your second role, you'd not long started.","start":234.935,"end":238.135,"sentiment":"neutral","sentiment_score":0.049909514375030994},{"text":"You've been doing that for, I believe, three months now or since January, so four months.","start":238.135,"end":246.81,"sentiment":"neutral","sentiment_score":0.02052656642626971},{"text":"Yeah.","start":246.87,"end":247.34999,"sentiment":"neutral","sentiment_score":0.09372501075267792},{"text":"Beautiful.","start":247.34999,"end":247.84999,"sentiment":"positive","sentiment_score":0.4180572032928467},{"text":"Okay.","start":248.87,"end":249.27,"sentiment":"neutral","sentiment_score":0.2873572111129761}],"sentiment":"neutral","sentiment_score":0.05654965196218756,"num_words":27,"start":234.935,"end":249.27},{"sentences":[{"text":"Lovely.","start":249.27,"end":249.75,"sentiment":"positive","sentiment_score":0.5918045043945312},{"text":"Lovely.","start":249.75,"end":250.06999,"sentiment":"positive","sentiment_score":0.6035220623016357},{"text":"And are you enjoying that?","start":250.06999,"end":251.45,"sentiment":"positive","sentiment_score":0.4848348379135132},{"text":"No.","start":256.245,"end":256.405,"sentiment":"neutral","sentiment_score":-0.06753677129745483},{"text":"That's absolutely okay.","start":256.405,"end":257.865,"sentiment":"neutral","sentiment_score":0.06005778846641382}],"sentiment":"positive","sentiment_score":0.3392852136695927,"num_words":11,"start":249.27,"end":257.865},{"sentences":[{"text":"The only thing that may impact is the your with the recommendations to increase your income protection, we've sort of gone on the income that you were earning at $156,000 to sort of make make that recommendation for you.","start":258.325,"end":271.1,"sentiment":"neutral","sentiment_score":-0.031992552849726796},{"text":"There because your income has increased, we may need to look at increasing that depending on what your needs are.","start":271.80002,"end":278.22,"sentiment":"neutral","sentiment_score":-0.018839516676962376},{"text":"However, if the amount that we're recommending you increase your income protection by is sufficient as a monthly benefit, then it still will work okay.","start":278.44,"end":287.475,"sentiment":"neutral","sentiment_score":0.1057910031080246},{"text":"So when you're looking at the document, I'll just get you to run your eyes over that.","start":287.475,"end":290.595,"sentiment":"neutral","sentiment_score":0.07919272298322004},{"text":"Have a bit of a think about your expenditure and what you have coming out, and let me know whether you think you need to increase that income protection recommendation or whether you're comfortable taking it as it is currently.","start":290.595,"end":301.9,"sentiment":"neutral","sentiment_score":0.023536215536296368}],"sentiment":"neutral","sentiment_score":0.023460993582897997,"num_words":141,"start":258.325,"end":301.9},{"sentences":[{"text":"Okay?","start":302.12,"end":302.62,"sentiment":"neutral","sentiment_score":0.04752842336893082},{"text":"Beautiful.","start":303.72,"end":304.22,"sentiment":"positive","sentiment_score":0.4654359817504883},{"text":"Now the first thing I did wanna sort of go through with you with this advice document is the superannuation side of things.","start":305.16,"end":310.12,"sentiment":"neutral","sentiment_score":0.08499250755361888},{"text":"So we have scoped in superannuation there.","start":310.12,"end":312.785,"sentiment":"neutral","sentiment_score":0.037630261055060794},{"text":"We have sort of noted that when we spoke last time, you sort of wanted to look at sorry.","start":312.785,"end":319.505,"sentiment":"neutral","sentiment_score":0.005469755514671928}],"sentiment":"neutral","sentiment_score":0.05559076982385972,"num_words":51,"start":302.12,"end":319.505},{"sentences":[{"text":"You wanted to look at moving into more of a high growth portfolio environment there, which is absolutely fine.","start":319.505,"end":324.625,"sentiment":"neutral","sentiment_score":0.07578567905645621},{"text":"You're still nice and young.","start":324.625,"end":325.665,"sentiment":"neutral","sentiment_score":0.3157093465328217},{"text":"You've got a lot of time ahead of you before you're able to access your super.","start":325.665,"end":329.78998,"sentiment":"neutral","sentiment_score":0.13905109744518995},{"text":"So moving into that high growth environment is absolutely a good place to go.","start":329.78998,"end":334.28998,"sentiment":"positive","sentiment_score":0.3976177764790399},{"text":"We have just sort of done some rethinking of our portfolios recently as well because there have been some changes to the market there.","start":334.43,"end":340.75,"sentiment":"neutral","sentiment_score":0.0792540509137325}],"sentiment":"neutral","sentiment_score":0.16297484982687122,"num_words":78,"start":319.505,"end":340.75},{"sentences":[{"text":"So, essentially, in order to move you into that high growth environment, which is normally where you see around about 90% of your super investment growth assets.","start":340.75,"end":348.145,"sentiment":"neutral","sentiment_score":0.17962052203990794},{"text":"So we're looking at things like Australian and international shares, our property, and also alternative growth assets like like credit and also metals, like precious metals like gold and silver.","start":348.285,"end":361.22998,"sentiment":"neutral","sentiment_score":0.12390840214987596},{"text":"Okay.","start":361.44998,"end":361.94998,"sentiment":"neutral","sentiment_score":0.13956235349178314},{"text":"So what we're looking to do with this recommendation for your super is sell off some of your investments and do a little bit of redigging to make sure you're in high growth environment, but also make sure that the portfolio is working harder for you.","start":363.05,"end":374.535,"sentiment":"neutral","sentiment_score":-0.0141331703685548},{"text":"So one of the things we are looking to sell is you've got some bank hybrids in there at the moment.","start":374.915,"end":379.155,"sentiment":"neutral","sentiment_score":0.023733274035510562}],"sentiment":"neutral","sentiment_score":0.06843873144686222,"num_words":125,"start":340.75,"end":379.155},{"sentences":[{"text":"We're gonna sell off all of those.","start":379.155,"end":380.85498,"sentiment":"neutral","sentiment_score":-0.08662492143256324},{"text":"Moving forward, the government is phasing those out as an investment option.","start":381.235,"end":384.61,"sentiment":"neutral","sentiment_score":0.082837983344992},{"text":"So moving those now well for altering your portfolio means that we can cement the gains and utilize any of any previous losses to offset for you.","start":384.61,"end":392.87,"sentiment":"neutral","sentiment_score":0.306724547236054},{"text":"We're also gonna be looking at selling all of the, global agriculture.","start":393.49,"end":397.03,"sentiment":"neutral","sentiment_score":0.09846558949599664},{"text":"Has been really good in the past, but we're moving into that high growth environment there, and the newer portfolio is working better.","start":398.255,"end":404.355,"sentiment":"neutral","sentiment_score":0.20369292471719824}],"sentiment":"neutral","sentiment_score":0.1794539317028758,"num_words":81,"start":379.155,"end":404.355},{"sentences":[{"text":"We're keeping physical gold.","start":404.975,"end":406.415,"sentiment":"neutral","sentiment_score":0.257008820772171},{"text":"Gold is fantastic, but you're a bit overexposed at the moment.","start":406.415,"end":409.535,"sentiment":"neutral","sentiment_score":0.046270236796276135},{"text":"So we're just going to sort of rebalance that and bring you back to about 7% in your gold exposure.","start":409.535,"end":415.17,"sentiment":"neutral","sentiment_score":0.12530348002910613},{"text":"Keeping some cybersecurity in there.","start":415.95,"end":417.87,"sentiment":"neutral","sentiment_score":-0.12526465505361556},{"text":"Cybersecurity has taken a little bit of a hit over the last twelve months, but it's still a really good place to be with your portfolio, and we're just gonna rebalance that for you.","start":417.87,"end":426.27002,"sentiment":"neutral","sentiment_score":-0.0024951772271272015}],"sentiment":"neutral","sentiment_score":0.045025921451884346,"num_words":74,"start":404.975,"end":426.27002},{"sentences":[{"text":"So you're at about 4% cybersecurity now.","start":426.27002,"end":429.10498,"sentiment":"neutral","sentiment_score":0.025691246347767965},{"text":"We're just gonna bring that up to about 7% exposure for you.","start":429.10498,"end":432.54498,"sentiment":"neutral","sentiment_score":0.02518311965589722},{"text":"Okay?","start":432.54498,"end":433.04498,"sentiment":"neutral","sentiment_score":0.03644351288676262},{"text":"With the S and P 500, at the moment, you've got about 27% in there, so we're gonna sell some of that off and bring you back down to about 25%.","start":434.465,"end":442.56497,"sentiment":"neutral","sentiment_score":0.08088280741245515},{"text":"Having US shares is still a really good place to be, and there is a lot in the in the world there with what's happening with Iran and The US.","start":443.16,"end":450.68,"sentiment":"neutral","sentiment_score":0.2649500866110126}],"sentiment":"neutral","sentiment_score":0.1354857938433135,"num_words":81,"start":426.27002,"end":450.68},{"sentences":[{"text":"However, when you look at history, even when The US is in the middle of a war or something is going on that is causing this market tension, The US still does provide great long term investment.","start":450.68,"end":462.705,"sentiment":"neutral","sentiment_score":0.02615983396567203},{"text":"So it is still worth being in The US.","start":462.845,"end":464.76498,"sentiment":"positive","sentiment_score":0.3595725927087996},{"text":"And the good thing with the S and P 500 is this tracks the S and P 500 index.","start":464.76498,"end":469.98,"sentiment":"neutral","sentiment_score":0.28026455797647176},{"text":"So that essentially means that, the makers of the index meet every quarter.","start":470.22,"end":475.1,"sentiment":"neutral","sentiment_score":0.1533669835099807},{"text":"The investment community, they meet every quarter, and they essentially assess who is eligible to be in the S and P 500 index.","start":475.1,"end":481.995,"sentiment":"neutral","sentiment_score":0.13445549717415933}],"sentiment":"neutral","sentiment_score":0.14470634666631127,"num_words":101,"start":450.68,"end":481.995},{"sentences":[{"text":"If a company is no longer eligible, they are removed and replaced with something else.","start":482.07498,"end":486.175,"sentiment":"neutral","sentiment_score":-0.013105195139845212},{"text":"So being in the S and P 500 and tracking the index means that you are always tracking the top 500 companies in The US.","start":486.395,"end":493.135,"sentiment":"neutral","sentiment_score":0.08816586658358574},{"text":"Okay?","start":493.275,"end":493.775,"sentiment":"neutral","sentiment_score":0.03040674701333046},{"text":"We were gonna sell off all of oh, sorry.","start":495.45,"end":497.45,"sentiment":"neutral","sentiment_score":-0.14713687698046365},{"text":"Part of the beta shares Raffy.","start":497.45,"end":499.23,"sentiment":"neutral","sentiment_score":-0.0056575095901886625}],"sentiment":"neutral","sentiment_score":0.012139259538214122,"num_words":56,"start":482.07498,"end":499.23},{"sentences":[{"text":"This is essentially giving you access to small and medium cap stocks on the ASX there.","start":499.37,"end":504.19,"sentiment":"neutral","sentiment_score":0.05840771377552301},{"text":"Being in a high growth environment, it is a it's sort of more of taking a little bit more risk in the market and giving you exposure to the mid and small cap area is important for that.","start":504.49002,"end":513.325,"sentiment":"neutral","sentiment_score":-0.021034610212633486},{"text":"So we're gonna keep about 15% exposure in there.","start":513.325,"end":516.705,"sentiment":"neutral","sentiment_score":0.03135843098991447},{"text":"Then along Australian equities, that was placed into your portfolio back when you came on board.","start":517.165,"end":521.645,"sentiment":"neutral","sentiment_score":-0.007671671890420839},{"text":"It was meant to be more of an actively managed fund.","start":521.645,"end":524.25,"sentiment":"neutral","sentiment_score":-0.03736743906682188}],"sentiment":"neutral","sentiment_score":-0.001292827430491646,"num_words":90,"start":499.37,"end":524.25},{"sentences":[{"text":"However, it has been underperforming.","start":524.25,"end":525.63,"sentiment":"neutral","sentiment_score":-0.24942349791526794},{"text":"So we are gonna remove that completely out of your portfolio.","start":526.08997,"end":529.63,"sentiment":"neutral","sentiment_score":-0.26242947713895276},{"text":"Sorry.","start":529.93,"end":530.25,"sentiment":"neutral","sentiment_score":-0.13395312428474426},{"text":"Were you gonna ask the question you're at?","start":530.25,"end":532.11,"sentiment":"neutral","sentiment_score":-0.05029691522940993},{"text":"Yep.","start":535.52997,"end":536.02997,"sentiment":"neutral","sentiment_score":-0.01771267130970955}],"sentiment":"neutral","sentiment_score":-0.18030318675132898,"num_words":26,"start":524.25,"end":536.02997},{"sentences":[{"text":"Yes.","start":537.89496,"end":538.13495,"sentiment":"neutral","sentiment_score":0.0006047673523426056},{"text":"It was.","start":538.13495,"end":538.535,"sentiment":"neutral","sentiment_score":-0.003492366522550583},{"text":"Been along Australian Equities, the managed fund there.","start":538.535,"end":540.935,"sentiment":"neutral","sentiment_score":-0.016081327223218977},{"text":"Yeah.","start":540.935,"end":541.435,"sentiment":"neutral","sentiment_score":-0.08382548391819},{"text":"It has.","start":543.735,"end":544.45496,"sentiment":"neutral","sentiment_score":-0.20927953720092773}],"sentiment":"neutral","sentiment_score":-0.04552965298561113,"num_words":14,"start":537.89496,"end":544.45496},{"sentences":[{"text":"Unfortunately, what happened in their investment was some underlying investments were a bit dishonest.","start":544.45496,"end":549.115,"sentiment":"negative","sentiment_score":-0.4173914108957563},{"text":"They weren't able to get out of it, but we're able to get you out of it.","start":549.95996,"end":552.92,"sentiment":"neutral","sentiment_score":-0.2716736995122012},{"text":"So we've sort of done a bit of digging and had a look at some other options to try and get you out.","start":552.92,"end":557.42,"sentiment":"neutral","sentiment_score":0.05110281738250152},{"text":"We're gonna sell all of that investment.","start":557.72,"end":559.56,"sentiment":"neutral","sentiment_score":-0.0797017195395061},{"text":"We no longer see it as a a very good investment.","start":559.56,"end":562.19995,"sentiment":"neutral","sentiment_score":-0.16393520344387402}],"sentiment":"neutral","sentiment_score":-0.16177454332096708,"num_words":72,"start":544.45496,"end":562.19995},{"sentences":[{"text":"It's been downgraded by many an analyst as well.","start":562.19995,"end":565.435,"sentiment":"negative","sentiment_score":-0.43138426211145187},{"text":"So it is worth selling completely out of that.","start":565.435,"end":568.175,"sentiment":"neutral","sentiment_score":-0.2343947175476286},{"text":"The fact that it is down a little bit is really good because we can utilize the off the losses that have been received by Benelong being down to offset some of the gains to help limit the CGT utilizing that through our benefit and taking you out of that completely.","start":568.235,"end":585.15,"sentiment":"neutral","sentiment_score":0.15043005344969237},{"text":"In order to place that along to make sure you still have that Australian ex Australian equities exposure, we're gonna move you into the beta shares a 200.","start":585.85004,"end":594.99,"sentiment":"neutral","sentiment_score":0.09683812223374844},{"text":"That's essentially tracking the top 200 companies in Australia.","start":595.52496,"end":598.665,"sentiment":"neutral","sentiment_score":0.15143243802918327}],"sentiment":"neutral","sentiment_score":0.05428567239443578,"num_words":106,"start":562.19995,"end":598.665},{"sentences":[{"text":"It's not an actively managed fund like like Banna like Banna Long was.","start":598.885,"end":602.165,"sentiment":"neutral","sentiment_score":0.07820826510970409},{"text":"It's more of a passively managed fund tracking the index, but it's also lower cost.","start":602.165,"end":607.285,"sentiment":"neutral","sentiment_score":0.20053213934103647},{"text":"So it does save you an investment fees as well as well as giving you that exposure to Australian equities.","start":607.285,"end":612.8,"sentiment":"positive","sentiment_score":0.3719019040465355},{"text":"Okay?","start":613.01996,"end":613.51996,"sentiment":"neutral","sentiment_score":0.06074089929461479},{"text":"The ClearBridge Rent Infrastructure Income Fund, if that was in your portfolio, we are removing that out.","start":615.01996,"end":620.31995,"sentiment":"neutral","sentiment_score":-0.0004139223738628275}],"sentiment":"neutral","sentiment_score":0.17449139146077813,"num_words":66,"start":598.885,"end":620.31995},{"sentences":[{"text":"It has been great over the last couple of years.","start":620.69995,"end":622.69995,"sentiment":"neutral","sentiment_score":0.15492490977048873},{"text":"However, whilst with what's happening at the moment, we are finding the infrastructure taking a little bit of a pullback.","start":622.69995,"end":627.705,"sentiment":"neutral","sentiment_score":-0.20613898262381553},{"text":"So it is good to maybe move that out and put into funds into something else for the time being.","start":627.765,"end":632.585,"sentiment":"neutral","sentiment_score":0.010076477751135826},{"text":"India is still a really good place to be, giving you diverse vacation to other areas.","start":633.445,"end":637.82,"sentiment":"positive","sentiment_score":0.3448413321748376},{"text":"So we are putting 7% into India.","start":637.82,"end":640.22,"sentiment":"neutral","sentiment_score":0.17246956058910914}],"sentiment":"neutral","sentiment_score":0.05962667450921176,"num_words":73,"start":620.69995,"end":640.22},{"sentences":[{"text":"This is more of a somatic kind of ETF.","start":640.22,"end":642.3,"sentiment":"neutral","sentiment_score":0.15410497122340733},{"text":"So looking at a theme of of quality Indian stocks that have been around for a long time, but also making sure that we're sort of branching out to obtain greater growth moving forward as well as part of that high growth portfolio.","start":642.3,"end":654.455,"sentiment":"neutral","sentiment_score":0.24742490365061648},{"text":"Okay?","start":654.755,"end":655.255,"sentiment":"neutral","sentiment_score":0.13131451606750488},{"text":"Global health care is still is in the portfolio.","start":657.315,"end":660.775,"sentiment":"neutral","sentiment_score":0.09118598616785473},{"text":"It wasn't in your last one, but has been in a few of our other ones, and we are having it in this one for you.","start":660.91504,"end":665.23505,"sentiment":"neutral","sentiment_score":0.08042843768802974}],"sentiment":"neutral","sentiment_score":0.17124253828925165,"num_words":88,"start":640.22,"end":665.23505},{"sentences":[{"text":"So, again, it's more of a thematic kind of ETF.","start":665.23505,"end":667.49,"sentiment":"neutral","sentiment_score":0.05415505953133106},{"text":"It's looking at health care globally.","start":667.49,"end":669.19,"sentiment":"neutral","sentiment_score":0.03213280811905861},{"text":"It doesn't just look at, like, medical offices and hospitals and things like that.","start":669.81,"end":673.08997,"sentiment":"neutral","sentiment_score":0.037984062784484456},{"text":"It also looks at the tech sector within the medical area and health care area, and it's globally.","start":673.08997,"end":677.88995,"sentiment":"neutral","sentiment_score":0.08537973877456453},{"text":"So it's giving you diversification by branching out across the globe.","start":677.88995,"end":681.26996,"sentiment":"neutral","sentiment_score":0.18547904085029254}],"sentiment":"neutral","sentiment_score":0.08208862831026821,"num_words":59,"start":665.23505,"end":681.26996},{"sentences":[{"text":"Okay?","start":681.32996,"end":681.82996,"sentiment":"neutral","sentiment_score":0.07638217508792877},{"text":"And then we've also got there the JPMorgan Global Research and Equity Fund.","start":683.525,"end":687.605,"sentiment":"neutral","sentiment_score":0.06182005542975206},{"text":"This is a small amount of this fund has a small amount of active management in there.","start":687.605,"end":693.28503,"sentiment":"neutral","sentiment_score":0.06781513550702263},{"text":"It's essentially utilizing JPMorgan's research teams to find out where there are where the investments to be invested in.","start":693.28503,"end":701.22003,"sentiment":"neutral","sentiment_score":0.0819805068405051},{"text":"This is global, so they're looking worldwide for what is coming up, what is building, what is good, and this sort of investment has been has been really good for diversification, has been good growth over the last few months, and we feel like it's gonna do well moving forward as well.","start":701.6,"end":716.585,"sentiment":"positive","sentiment_score":0.5247929580509663}],"sentiment":"neutral","sentiment_score":0.3027427808619013,"num_words":102,"start":681.32996,"end":716.585},{"sentences":[{"text":"So we're adding that investment into your portfolio for you as well.","start":716.585,"end":720.765,"sentiment":"positive","sentiment_score":0.34316713362932205},{"text":"And then it's still important to have a little bit of defensive investments of things like cash, bonds, and fixed interest to help with that diversification.","start":721.065,"end":727.83997,"sentiment":"neutral","sentiment_score":0.16732544194047266},{"text":"So we're still gonna keep some core composite bonds in there.","start":728.14,"end":731.2,"sentiment":"neutral","sentiment_score":0.12431771850044077},{"text":"These essentially core composite bonds are government and corporate bonds.","start":731.66,"end":735.2,"sentiment":"neutral","sentiment_score":0.07552694976329803},{"text":"This investment also does look at global diversification.","start":735.5,"end":738.16,"sentiment":"neutral","sentiment_score":0.11864464171230793}],"sentiment":"neutral","sentiment_score":0.17224460640060368,"num_words":67,"start":716.585,"end":738.16},{"sentences":[{"text":"It has some credit notes and things like that in there, some debt from across the world as well.","start":738.45996,"end":742.865,"sentiment":"neutral","sentiment_score":0.1577114592257299},{"text":"So it's kinda diversifying those defensive assets for you, and we'll see about 7% of your portfolio invested in those defensive areas there.","start":743.085,"end":751.265,"sentiment":"neutral","sentiment_score":0.21603025431218353},{"text":"Okay?","start":751.325,"end":751.825,"sentiment":"neutral","sentiment_score":0.21075940132141113},{"text":"Beautiful.","start":752.56,"end":753.06,"sentiment":"positive","sentiment_score":0.5721836090087891},{"text":"I've gone through that as with as much detail.","start":754.07996,"end":756.24,"sentiment":"neutral","sentiment_score":0.29950742423534393}],"sentiment":"neutral","sentiment_score":0.21591930948900726,"num_words":53,"start":738.45996,"end":756.24},{"sentences":[{"text":"I know it can be a little bit a a lot to kinda go through there.","start":756.24,"end":759.04,"sentiment":"neutral","sentiment_score":0.10649892501533031},{"text":"I'll let you look at the document.","start":759.04,"end":760.31995,"sentiment":"neutral","sentiment_score":0.11328121168272835},{"text":"If you have any questions in relation to those, let me know.","start":760.31995,"end":762.72,"sentiment":"neutral","sentiment_score":0.11942352230350177},{"text":"But feel free to pull those investments up and have a bit more of a read through, and you can have sort of have a look at where we sort of see things moving.","start":762.72,"end":769.64496,"sentiment":"neutral","sentiment_score":0.10160723975037828},{"text":"With the with the changes that we are making at the moment in your existing portfolio, because you're more of that growth environment, you have about 86.82% in growth investments.","start":770.265,"end":780.285,"sentiment":"neutral","sentiment_score":0.09926008222003778}],"sentiment":"neutral","sentiment_score":0.10467153704828686,"num_words":99,"start":756.24,"end":780.285},{"sentences":[{"text":"So by making these changes here, we're increasing your growth assets to about 93% to bring you more in line with that high growth kind of environment and then decreasing the defensive assets from 13.18% to about 7% there for you.","start":780.75,"end":794.75,"sentiment":"neutral","sentiment_score":0.2176241429477203},{"text":"Okay?","start":794.75,"end":795.25,"sentiment":"neutral","sentiment_score":0.07006873935461044},{"text":"Yes.","start":798.405,"end":798.905,"sentiment":"neutral","sentiment_score":0.04923545569181442},{"text":"I can pull up your seat belt and have a bit of a look.","start":818.98,"end":821.595,"sentiment":"neutral","sentiment_score":0.18437852071864264},{"text":"Yeah.","start":821.75494,"end":821.995,"sentiment":"neutral","sentiment_score":0.05853644758462906}],"sentiment":"neutral","sentiment_score":0.2014091343715273,"num_words":58,"start":780.75,"end":821.995},{"sentences":[{"text":"A lot of that was because of VannaLon, but then there's also a lot because of what was happening globally there.","start":821.995,"end":827.13495,"sentiment":"neutral","sentiment_score":0.04220980095366637},{"text":"So when we have a look at your super I'm just pulling up a report to see exactly kinda what's happened.","start":827.27496,"end":832.415,"sentiment":"neutral","sentiment_score":0.030616998295521454},{"text":"But when I'm just looking at the front sort of section here, I can see the biggest dip was kind of around about that March 2324 when we sort of see the largest dip in super.","start":832.71497,"end":842.16003,"sentiment":"neutral","sentiment_score":-0.018990866425964568},{"text":"But then we have had a little bit of a recovery back again.","start":842.30005,"end":845.26,"sentiment":"neutral","sentiment_score":0.03300515762888468},{"text":"So we did see a bit of a dip with what was happening with Trump making those announcements with, obviously, the straight closing there.","start":845.26,"end":851.92004,"sentiment":"neutral","sentiment_score":0.031789379310794175}],"sentiment":"neutral","sentiment_score":0.017719163004632877,"num_words":115,"start":821.995,"end":851.92004},{"sentences":[{"text":"But then we have seen a bit more of a recovery back from that.","start":852.225,"end":855.185,"sentiment":"neutral","sentiment_score":0.07234719209372997},{"text":"It hasn't recovered fully from where it was at the beginning of that.","start":855.185,"end":858.385,"sentiment":"neutral","sentiment_score":-0.03563603386282921},{"text":"However, any kind of recovery is still a positive one.","start":858.385,"end":861.685,"sentiment":"neutral","sentiment_score":0.24865491390228273},{"text":"The market over the last couple of days have not actually been doing too bad.","start":862.14496,"end":865.425,"sentiment":"positive","sentiment_score":0.3422776977221171},{"text":"We've seen some really great growth there.","start":865.425,"end":867.48,"sentiment":"positive","sentiment_score":0.6762649246624538}],"sentiment":"neutral","sentiment_score":0.21871459875571525,"num_words":59,"start":852.225,"end":867.48},{"sentences":[{"text":"And when I just look at your portfolio over the last month, so it's from the twenty fourth of last month to the twenty third of this month, it actually shows your portfolio is up by 4.94%.","start":867.56,"end":877.8,"sentiment":"positive","sentiment_score":0.41156064578004786},{"text":"So it's made nearly $6,000 in the last month there, which is not a bad amount of growth in recovery.","start":877.8,"end":884.385,"sentiment":"neutral","sentiment_score":0.2855275455862284},{"text":"So it's still not doing badly.","start":884.685,"end":886.545,"sentiment":"neutral","sentiment_score":-0.25734508285919827},{"text":"It's just sort of one of those one of those parts of the cycles where you just need to sort of sit through, allow it to go through those downtimes.","start":886.685,"end":893.665,"sentiment":"neutral","sentiment_score":-0.09710676992932955},{"text":"And whilst the markets are moving up and down and we do rebalance and alter this portfolio, whilst we are removing Van Along and making those changes there, we'll be able to try and, you know, Hub 24 when you submit those requests.","start":893.725,"end":906.68,"sentiment":"neutral","sentiment_score":-0.048849581112695294}],"sentiment":"neutral","sentiment_score":0.10573889134342179,"num_words":136,"start":867.56,"end":906.68},{"sentences":[{"text":"We'll be able to try and take advantage of the market ups and downs to try and make sure they're limiting CGT and taking advantage of any down times that the market sees while for rebalancing for you.","start":906.74,"end":916.735,"sentiment":"neutral","sentiment_score":-0.006851026494252055},{"text":"Okay?","start":916.79504,"end":917.29504,"sentiment":"neutral","sentiment_score":0.025828374549746513},{"text":"Yeah.","start":918.315,"end":918.815,"sentiment":"neutral","sentiment_score":0.01853642426431179},{"text":"Sure.","start":921.195,"end":921.695,"sentiment":"neutral","sentiment_score":0.01141395140439272},{"text":"Mhmm.","start":934.57,"end":934.65,"sentiment":"neutral","sentiment_score":0.02296270802617073}],"sentiment":"neutral","sentiment_score":-0.004323751155641817,"num_words":42,"start":906.74,"end":934.65},{"sentences":[{"text":"That you do it?","start":934.65,"end":935.69,"sentiment":"neutral","sentiment_score":0.02551044663414359},{"text":"Yeah.","start":935.69,"end":936.19,"sentiment":"neutral","sentiment_score":0.03347952663898468},{"text":"Mhmm.","start":948.185,"end":948.685,"sentiment":"neutral","sentiment_score":-0.01475248485803604},{"text":"Yeah.","start":948.90497,"end":949.225,"sentiment":"neutral","sentiment_score":-0.04270203411579132},{"text":"So that does make it really difficult to do.","start":949.225,"end":951.14496,"sentiment":"neutral","sentiment_score":-0.2390331377585729}],"sentiment":"neutral","sentiment_score":-0.12957696535158902,"num_words":16,"start":934.65,"end":951.14496},{"sentences":[{"text":"So, generally speaking, we can advise on self managed super funds.","start":951.14496,"end":954.77997,"sentiment":"neutral","sentiment_score":-0.08785950934345071},{"text":"There is no issue there in any way, shape, or form, but we do have very much limitations.","start":954.77997,"end":958.95996,"sentiment":"neutral","sentiment_score":-0.1653844229876995},{"text":"So there is a lot of requirements around providing advice around super self managed super funds.","start":959.18,"end":964.86,"sentiment":"neutral","sentiment_score":-0.19898822298273444},{"text":"And generally speaking, we would not be recommending you do that unless your balance is at least 250 to 300,000.","start":964.86,"end":972.935,"sentiment":"neutral","sentiment_score":-0.2721073478460312},{"text":"That's mostly because your contributions are used as for the borrowing capacity of the the property.","start":973.475,"end":980.45496,"sentiment":"neutral","sentiment_score":-0.09085057536140084}],"sentiment":"neutral","sentiment_score":-0.17312274008621403,"num_words":81,"start":951.14496,"end":980.45496},{"sentences":[{"text":"But there's also other costs involved, so you've gotta kinda consider whether you want you're only gonna own the property or whether you're gonna want, like, a share portfolio inside that SMSF as well.","start":981.17,"end":990.95,"sentiment":"neutral","sentiment_score":-0.09463957379407742},{"text":"You also have to leave a certain amount of cash and factor in a couple of years worth of, you know, auditing fees, ongoing management fees for the buyer's agent or the accountant, the auditors, and anyone else that you have in there.","start":991.01,"end":1006.385,"sentiment":"neutral","sentiment_score":-0.059852694875972216},{"text":"We also sort of need you to understand what your borrowing capacity is prior to making the recommendation to move into an SMS app and just making sure that you understand the ongoing fees and compliance.","start":1007.02997,"end":1016.64996,"sentiment":"neutral","sentiment_score":-0.0021101005582345855},{"text":"Because the biggest aspect is that even though we, as advisers, can advise them on the account and help you look after it, your buyer's agent or your mortgage broker helps you to buy the property, at the end of the day, it's a self managed super fund.","start":1016.79,"end":1028.845,"sentiment":"neutral","sentiment_score":0.05503770403932625},{"text":"So you become the trustee of that fund in whatever structure there is.","start":1028.845,"end":1032.785,"sentiment":"neutral","sentiment_score":0.09429493919014931}],"sentiment":"neutral","sentiment_score":-0.01149270692759932,"num_words":174,"start":981.17,"end":1032.785},{"sentences":[{"text":"You're then responsible for the ongoing maintenance and management of the fund regardless of whoever else is helping for you.","start":1033.165,"end":1039.0,"sentiment":"neutral","sentiment_score":0.1301429770886898},{"text":"You've gotta make the payment for the ongoing bills of the maintenance and fees of the the property within it, your land tax and other bills and things like that, plus making sure you pay all the other people that are helping you to maintain and monitor it.","start":1039.0,"end":1054.4451,"sentiment":"neutral","sentiment_score":0.09302018559537828},{"text":"Have it audited every year and make sure that the ATO keeps it as a compliant fund.","start":1054.8251,"end":1059.0651,"sentiment":"neutral","sentiment_score":0.05551867449984831},{"text":"So there is a lot of work involved.","start":1059.0651,"end":1060.685,"sentiment":"neutral","sentiment_score":-0.19400906935334206},{"text":"If you're only wanting to hold a property, I'll be really honest, we do charge an upfront fee for onboarding or changing the structure of your super because it is a brand new advice document.","start":1061.4651,"end":1071.77,"sentiment":"neutral","sentiment_score":-0.1282854562359197}],"sentiment":"neutral","sentiment_score":0.015387362451292574,"num_words":128,"start":1033.165,"end":1071.77},{"sentences":[{"text":"It is quite complex there.","start":1071.77,"end":1073.39,"sentiment":"neutral","sentiment_score":-0.2876178026199341},{"text":"But if you're only wanting to buy a property, I'm gonna be really honest with you.","start":1073.8501,"end":1077.87,"sentiment":"neutral","sentiment_score":-0.0720917065627873},{"text":"You would be better off just speaking to your accountant and or the buyer's agent, and having everything set up directly.","start":1077.93,"end":1084.815,"sentiment":"neutral","sentiment_score":-0.12568908060590425},{"text":"Because my advice would essentially be, I recommend that you set up a self managed super fund.","start":1084.875,"end":1090.975,"sentiment":"neutral","sentiment_score":-0.007911857217550278},{"text":"I recommend that you, you know, move this much money into a bank account which you have to set up and that your a your tax agent organizes the setup of the SMS app with the ATO.","start":1091.595,"end":1101.6,"sentiment":"neutral","sentiment_score":0.020986099601597398}],"sentiment":"neutral","sentiment_score":-0.04780253019028654,"num_words":96,"start":1071.77,"end":1101.6},{"sentences":[{"text":"So I personally just don't see the value in charging you $5 to tell you, don't see your account and your mortgage broker and your buyer's agent to organize all of these things.","start":1101.66,"end":1111.585,"sentiment":"negative","sentiment_score":-0.42413265867666766},{"text":"If it's something you're absolutely wanting to do, speak to your account and speak to your buyer's agent.","start":1112.205,"end":1117.6649,"sentiment":"neutral","sentiment_score":0.1655839942395687},{"text":"I would hate to see you leave as a client, but at the same time, if it's what you wanna do and it's best for you, I'm more than happy to help you kind of make that move.","start":1117.885,"end":1126.2001,"sentiment":"neutral","sentiment_score":0.2269574124366045},{"text":"I just like to be really honest and open about, you know, what my advice would entail if you're only wanting to own a property in that structure.","start":1126.8201,"end":1133.4801,"sentiment":"neutral","sentiment_score":0.17565586684005602},{"text":"Okay?","start":1133.7001,"end":1134.2001,"sentiment":"neutral","sentiment_score":0.128343403339386}],"sentiment":"neutral","sentiment_score":0.02250189413079771,"num_words":118,"start":1101.66,"end":1134.2001},{"sentences":[{"text":"Yeah.","start":1139.815,"end":1140.315,"sentiment":"neutral","sentiment_score":-0.013829749077558516},{"text":"Yeah.","start":1140.775,"end":1141.275,"sentiment":"neutral","sentiment_score":-0.10439994931221008},{"text":"Yeah.","start":1142.215,"end":1142.715,"sentiment":"neutral","sentiment_score":-0.02043621242046356},{"text":"Yeah.","start":1146.375,"end":1146.875,"sentiment":"neutral","sentiment_score":-0.009218486025929453},{"text":"It's just a lot to consider, isn't it?","start":1148.74,"end":1151.16,"sentiment":"neutral","sentiment_score":-0.00909906905144453}],"sentiment":"neutral","sentiment_score":-0.018389745770643156,"num_words":12,"start":1139.815,"end":1151.16},{"sentences":[{"text":"Yeah.","start":1152.82,"end":1153.3,"sentiment":"neutral","sentiment_score":0.05534619092941284},{"text":"No.","start":1153.3,"end":1153.54,"sentiment":"neutral","sentiment_score":-0.025279752910137177},{"text":"That's okay.","start":1153.54,"end":1154.26,"sentiment":"neutral","sentiment_score":0.11359937116503716},{"text":"If you have any additional questions, you're welcome to let me know.","start":1154.26,"end":1157.14,"sentiment":"neutral","sentiment_score":0.29042695835232735},{"text":"I do sort of pride myself in being honest with you.","start":1157.14,"end":1159.7,"sentiment":"positive","sentiment_score":0.5475753112272783}],"sentiment":"positive","sentiment_score":0.3616932260769385,"num_words":27,"start":1152.82,"end":1159.7},{"sentences":[{"text":"So I feel like that's the best information I can give you for the moment there.","start":1159.7,"end":1163.725,"sentiment":"positive","sentiment_score":0.4944299887865782},{"text":"Insane that your balance is growing.","start":1163.725,"end":1165.325,"sentiment":"positive","sentiment_score":0.6238877375920614},{"text":"Things have been working quite nicely.","start":1165.325,"end":1167.1849,"sentiment":"positive","sentiment_score":0.7490102648735046},{"text":"If you don't have any other member, if it's just going to be yourself in the Self Money Super Fund, your balance is a bit low for where, you know, we would normally like it to be to do to take on that sort of environment, but at the same time, it's completely your decision.","start":1167.885,"end":1181.2101,"sentiment":"neutral","sentiment_score":0.0685394211248918},{"text":"So if you come back with a borrowing capacity, you find a property and you wanna do that, you can absolutely do that.","start":1181.27,"end":1187.5901,"sentiment":"positive","sentiment_score":0.3972679959691089}],"sentiment":"neutral","sentiment_score":0.27410471608053966,"num_words":106,"start":1159.7,"end":1187.5901},{"sentences":[{"text":"We can keep looking after everything on this end until you complete the transfer, and then we could always help you to, you know, make sure your super transfers into the SMS.","start":1187.5901,"end":1196.925,"sentiment":"neutral","sentiment_score":0.29020077595487237},{"text":"That's the way you want it to be.","start":1196.925,"end":1198.545,"sentiment":"neutral","sentiment_score":0.31103547383099794},{"text":"The other option is if, you know, your borrowing capacity isn't what you want, you wanna kinda build that super up a bit more, you can leave it where it is.","start":1199.0851,"end":1206.6,"sentiment":"neutral","sentiment_score":0.13376232464948007},{"text":"We can keep looking after it.","start":1206.6,"end":1207.9601,"sentiment":"neutral","sentiment_score":0.2655056243141492},{"text":"And when your super does get to that sort of $25,300,000 mark, then we can always look to help you to do the transition there and sort of see what what your goals are at that period of time as well.","start":1207.9601,"end":1219.88,"sentiment":"neutral","sentiment_score":0.17326179728275393}],"sentiment":"neutral","sentiment_score":0.20862803491369142,"num_words":118,"start":1187.5901,"end":1219.88},{"sentences":[{"text":"Okay?","start":1219.88,"end":1220.38,"sentiment":"neutral","sentiment_score":0.06672127544879913},{"text":"Yeah.","start":1221.4451,"end":1221.9451,"sentiment":"neutral","sentiment_score":0.03595330938696861},{"text":"Yes.","start":1231.8451,"end":1232.245,"sentiment":"neutral","sentiment_score":0.029184747487306595},{"text":"I've got those.","start":1232.245,"end":1233.145,"sentiment":"neutral","sentiment_score":0.025801515206694603},{"text":"Yeah.","start":1233.285,"end":1233.765,"sentiment":"neutral","sentiment_score":0.11530021578073502}],"sentiment":"neutral","sentiment_score":0.04636629910341331,"num_words":7,"start":1219.88,"end":1233.765},{"sentences":[{"text":"Yep.","start":1233.765,"end":1234.165,"sentiment":"neutral","sentiment_score":0.21616986393928528},{"text":"I've got those here for you as well.","start":1234.165,"end":1235.9451,"sentiment":"neutral","sentiment_score":0.26487522199749947},{"text":"I just just with the last part of the recommendations to change your super into the high growth environment and to make those changes there, I do have to let you know, obviously, there are the advantages there.","start":1236.56,"end":1248.24,"sentiment":"neutral","sentiment_score":0.25969580443281876},{"text":"So the administration fees for the newer portfolio do actually reduce, so you save about $10 for the year in admin fees.","start":1248.24,"end":1255.375,"sentiment":"positive","sentiment_score":0.33894370564005594},{"text":"And the newer portfolio saves you about $230 for the year in investment fees.","start":1255.515,"end":1260.635,"sentiment":"positive","sentiment_score":0.3707385701792581}],"sentiment":"neutral","sentiment_score":0.29940618933683416,"num_words":83,"start":1233.765,"end":1260.635},{"sentences":[{"text":"So this newer portfolio that I'm recommending is a much cheaper portfolio for you, which is a benefit.","start":1260.635,"end":1265.52,"sentiment":"positive","sentiment_score":0.4992709043953154},{"text":"The we use a three year rolling average because some of the investments with the same hybrids you've got there now haven't been around long enough to give you a five year rolling average.","start":1266.4601,"end":1274.14,"sentiment":"neutral","sentiment_score":0.1874971841188038},{"text":"But the newer portfolio that we're looking to move you into has seen a greater three year rate rate of return as well.","start":1274.14,"end":1280.875,"sentiment":"neutral","sentiment_score":0.3094065545693688},{"text":"Your current portfolio in that growth environment has averaged about 14.2%, whereas the newer portfolio has averaged about 15.99%.","start":1281.3351,"end":1290.4751,"sentiment":"neutral","sentiment_score":0.08061461581995613},{"text":"So as long as the markets work the way they have, this portfolio could see you getting greater potential returns.","start":1290.59,"end":1296.1901,"sentiment":"neutral","sentiment_score":0.20902391336858273}],"sentiment":"neutral","sentiment_score":0.2472832215982571,"num_words":114,"start":1260.635,"end":1296.1901},{"sentences":[{"text":"You're also taking a bit more risk in that as well.","start":1296.1901,"end":1298.83,"sentiment":"neutral","sentiment_score":-0.08217695795676926},{"text":"Okay.","start":1298.83,"end":1299.33,"sentiment":"neutral","sentiment_score":0.09726803004741667},{"text":"Excellent.","start":1300.43,"end":1300.93,"sentiment":"positive","sentiment_score":0.5519413352012634},{"text":"I do have to also let you know there are CGT consequences for the switch of investments as well.","start":1301.31,"end":1306.1901,"sentiment":"neutral","sentiment_score":0.15383948581783394},{"text":"So whenever we are switching investments inside the super system, the same as you do your own tax return every year, your super fund does a tax return as well.","start":1306.1901,"end":1315.775,"sentiment":"neutral","sentiment_score":0.20291283925374348}],"sentiment":"neutral","sentiment_score":0.14121932638508658,"num_words":62,"start":1296.1901,"end":1315.775},{"sentences":[{"text":"So there are CGT consequences based on our research.","start":1316.235,"end":1319.355,"sentiment":"neutral","sentiment_score":0.011999143908421198},{"text":"We expect that to be about $515 there.","start":1319.355,"end":1322.65,"sentiment":"neutral","sentiment_score":0.03264349652454257},{"text":"So to make the changes, save a bit of money there, your super fund would only end up with about $515 to pay CGT for making that switch for you.","start":1322.65,"end":1332.01,"sentiment":"neutral","sentiment_score":0.13634780024488766},{"text":"Okay?","start":1332.01,"end":1332.51,"sentiment":"neutral","sentiment_score":0.09939968585968018},{"text":"And I've got an updated projection there for you.","start":1333.93,"end":1336.0851,"sentiment":"neutral","sentiment_score":0.3191263477007548}],"sentiment":"neutral","sentiment_score":0.13037036999798657,"num_words":57,"start":1316.235,"end":1336.0851},{"sentences":[{"text":"I'll let you have a bit of a look at that.","start":1336.0851,"end":1337.6051,"sentiment":"neutral","sentiment_score":0.2576551938598806},{"text":"Over the next sort of five to ten years, we can sort of see if if the market performs the way it has, if you're able to get the return that it has produced over the last sort of three odd years and keep that return going for the next five to ten years, you could end up with a bit over 575,000 in the.","start":1337.6051,"end":1353.75,"sentiment":"neutral","sentiment_score":0.23471845033077093},{"text":"Okay.","start":1354.2899,"end":1354.7899,"sentiment":"neutral","sentiment_score":0.05501912906765938},{"text":"Oh, good.","start":1356.77,"end":1357.4299,"sentiment":"neutral","sentiment_score":0.10221268236637115},{"text":"Sorry?","start":1358.85,"end":1359.35,"sentiment":"neutral","sentiment_score":-0.004865792579948902}],"sentiment":"neutral","sentiment_score":0.22931856381474064,"num_words":80,"start":1336.0851,"end":1359.35},{"sentences":[{"text":"That's the next ten over the next ten years.","start":1360.2899,"end":1362.71,"sentiment":"neutral","sentiment_score":0.0023665589849568075},{"text":"Yeah.","start":1364.3049,"end":1364.625,"sentiment":"neutral","sentiment_score":0.03200067952275276},{"text":"Yeah.","start":1364.625,"end":1365.0249,"sentiment":"neutral","sentiment_score":0.027360709384083748},{"text":"Because you're still so young, I know the last advice documents were sort of giving you after the projections up until the time of retirement.","start":1365.0249,"end":1371.2849,"sentiment":"neutral","sentiment_score":-0.03145481805317104},{"text":"But, realistically, I don't like to do that because there's too many things that could change in your life.","start":1371.825,"end":1376.16,"sentiment":"neutral","sentiment_score":-0.2833976855403499}],"sentiment":"neutral","sentiment_score":-0.11073211012408138,"num_words":55,"start":1360.2899,"end":1376.16},{"sentences":[{"text":"You know, your income could change.","start":1376.48,"end":1377.76,"sentiment":"neutral","sentiment_score":-0.0808681845664978},{"text":"Your job can change.","start":1377.76,"end":1378.48,"sentiment":"neutral","sentiment_score":-0.07775626704096794},{"text":"You've now got two jobs, and you're also looking at other things that are changing in your life as well.","start":1378.48,"end":1382.98,"sentiment":"neutral","sentiment_score":-0.038087053201161326},{"text":"So with too many variables, it's really not a good idea to be providing a a projection over the next twenty years.","start":1383.68,"end":1392.3151,"sentiment":"negative","sentiment_score":-0.5273278491063551},{"text":"It'll look really lovely, but it's not really very logical to do so.","start":1392.3151,"end":1396.795,"sentiment":"negative","sentiment_score":-0.3731459998167478}],"sentiment":"neutral","sentiment_score":-0.2770782448852865,"num_words":65,"start":1376.48,"end":1396.795},{"sentences":[{"text":"So we keep it short now.","start":1396.795,"end":1397.995,"sentiment":"negative","sentiment_score":-0.3945353180170059},{"text":"We do a ten year projection at the most, noting that this is it can change due to market factors, due to your life, your goals.","start":1397.995,"end":1404.89,"sentiment":"neutral","sentiment_score":-0.11513747518452314},{"text":"There's so many other variables that could change in that next ten years.","start":1404.89,"end":1408.35,"sentiment":"neutral","sentiment_score":-0.11276089113492233},{"text":"And then we just wanna do catch ups with you on a regular basis to make sure we can update the advice as those changes come into play.","start":1408.49,"end":1415.55,"sentiment":"neutral","sentiment_score":0.06981520022132567},{"text":"Okay?","start":1415.61,"end":1416.11,"sentiment":"neutral","sentiment_score":0.11583155393600464}],"sentiment":"neutral","sentiment_score":-0.06427054983135816,"num_words":74,"start":1396.795,"end":1416.11},{"sentences":[{"text":"Beautiful.","start":1417.705,"end":1418.205,"sentiment":"neutral","sentiment_score":0.06695684045553207},{"text":"The next thing we did talk about was the insurance policy there.","start":1418.905,"end":1422.0449,"sentiment":"neutral","sentiment_score":0.07044298977901538},{"text":"So you've got your life, your TPD, your income protection currently.","start":1422.265,"end":1425.725,"sentiment":"neutral","sentiment_score":0.07218990339474245},{"text":"Your life and TPD currently has a sum insured of $1,859,002.56, and your income protection currently has a monthly benefit of 8,935 and 40¢.","start":1426.1849,"end":1439.58,"sentiment":"neutral","sentiment_score":0.054541903669419495},{"text":"You have a four week waiting and a five year benefit period.","start":1439.72,"end":1442.86,"sentiment":"neutral","sentiment_score":0.03895408861959974}],"sentiment":"neutral","sentiment_score":0.0581063475080971,"num_words":60,"start":1417.705,"end":1442.86},{"sentences":[{"text":"You wanted to look at increasing that to 2,500,000.","start":1443.415,"end":1446.395,"sentiment":"neutral","sentiment_score":0.0978087070915434},{"text":"So that would mean that we're applying for an increase on life and CPD of 640 thousand $7.44 and then increased income protection benefit.","start":1447.015,"end":1456.8401,"sentiment":"neutral","sentiment_score":0.12581976192692915},{"text":"This is based on your income of a 156,000.","start":1456.9,"end":1459.9601,"sentiment":"neutral","sentiment_score":0.1546152631441752},{"text":"We'd be increasing the monthly benefit by a $164.60 on a monthly basis, keeping that four year wait sorry, four weeks for our waiting period and five year benefit period there.","start":1460.3401,"end":1471.015,"sentiment":"neutral","sentiment_score":0.1395649055559789},{"text":"Essentially, with the increase to the policy, your current policy's yearly premium is $2.02 $3.01 $0.02.","start":1472.035,"end":1479.5751,"sentiment":"neutral","sentiment_score":0.10795198939740658}],"sentiment":"neutral","sentiment_score":0.12747453843777098,"num_words":89,"start":1443.415,"end":1479.5751},{"sentences":[{"text":"It increases to 2 $6.04 $9.90.","start":1479.875,"end":1482.4401,"sentiment":"neutral","sentiment_score":0.06100811871389548},{"text":"So it's only a very small increase there to bring it up.","start":1482.4401,"end":1485.8201,"sentiment":"neutral","sentiment_score":0.05376573217411836},{"text":"One of the things I did have a look at is what the expectation looks like.","start":1486.4401,"end":1489.9601,"sentiment":"neutral","sentiment_score":0.07359981490299106},{"text":"So we are recommending that that increase be completed with cow.","start":1489.9601,"end":1493.1749,"sentiment":"neutral","sentiment_score":0.1645637493241917},{"text":"That way, you only have to undergo limited underwriting.","start":1493.1749,"end":1496.475,"sentiment":"neutral","sentiment_score":0.1370892268088129}],"sentiment":"neutral","sentiment_score":0.0969044226049273,"num_words":54,"start":1479.875,"end":1496.475},{"sentences":[{"text":"So the current policy you have stays in place exactly as it is.","start":1496.695,"end":1501.355,"sentiment":"neutral","sentiment_score":0.3073921902821614},{"text":"And because when we sort of looked at your house, you've got you've had some back pain and some back issues there.","start":1501.575,"end":1507.4149,"sentiment":"neutral","sentiment_score":-0.30371896075931465},{"text":"So we are kind of expecting a bit of a back related exclusion on the increased policy only, and that's why I wanted to leave it with Pal so that any changes since your policy came into force.","start":1507.4149,"end":1520.205,"sentiment":"neutral","sentiment_score":-0.26838707786641625},{"text":"And as we get older, our health changes.","start":1520.445,"end":1522.205,"sentiment":"neutral","sentiment_score":-0.26400565914809704},{"text":"I have back problems, so it's completely normal, especially for office workers.","start":1522.205,"end":1526.625,"sentiment":"neutral","sentiment_score":-0.30994301103055477}],"sentiment":"neutral","sentiment_score":-0.20124504330658144,"num_words":93,"start":1496.695,"end":1526.625},{"sentences":[{"text":"So, essentially, the the exclusion isn't on your current policy there.","start":1527.565,"end":1531.1649,"sentiment":"negative","sentiment_score":-0.3526640717278827},{"text":"And when we go through the newer applications, that exclusion would only apply to the new new part of the policy, which would leave you as part of your policy with no exclusion, which should be good.","start":1531.1649,"end":1540.76,"sentiment":"neutral","sentiment_score":0.2582831136076837},{"text":"And it all just comes down to anything else.","start":1541.38,"end":1543.4601,"sentiment":"neutral","sentiment_score":0.2931847953134113},{"text":"So if there's any other disclosures as part of the application that we're not aware of, there is a risk of any other loadings or exclusions applied, but I'll make sure once you go through the application to increase the policy that I reviewed the application prior to it being submitted.","start":1543.4601,"end":1560.135,"sentiment":"neutral","sentiment_score":0.0043321681373259605},{"text":"That way we can flag anything else that might come up for you.","start":1560.135,"end":1563.495,"sentiment":"neutral","sentiment_score":0.18200038144221672}],"sentiment":"neutral","sentiment_score":0.09010561244670025,"num_words":121,"start":1527.565,"end":1563.495},{"sentences":[{"text":"Okay?","start":1563.495,"end":1563.995,"sentiment":"neutral","sentiment_score":0.11449997127056122},{"text":"Perfect.","start":1565.3099,"end":1565.8099,"sentiment":"positive","sentiment_score":0.6661080718040466},{"text":"So only a small difference in the cost there.","start":1566.6699,"end":1568.91,"sentiment":"neutral","sentiment_score":0.27374067902565},{"text":"I'll let you go back and have a little look at that one.","start":1568.91,"end":1571.07,"sentiment":"neutral","sentiment_score":0.22996807327637306},{"text":"Let me know what you wanna do with the income protection because this is covering you for up to 70% of your income based on a 156,000.","start":1571.07,"end":1579.01,"sentiment":"neutral","sentiment_score":0.20748341580231985}],"sentiment":"neutral","sentiment_score":0.23207669281492047,"num_words":51,"start":1563.495,"end":1579.01},{"sentences":[{"text":"And now that you do have those two jobs and you do have a higher income, just have a look at your expenditure.","start":1579.235,"end":1584.775,"sentiment":"neutral","sentiment_score":0.20347630588904672},{"text":"Realistically, if you, if you're if the amount we're applying for is gonna cover your monthly expenditure and you're comfortable with that amount in the event of a claim, then it's absolutely fine to to look at and to keep.","start":1585.0751,"end":1597.55,"sentiment":"neutral","sentiment_score":0.28581332676112653},{"text":"If you feel it's not gonna be sufficient in the event that you're not able to go to work due to illness or injury, then I can go back and get another card to look at increasing that for you, And I'll just update the advice document to to reconfirm the changes in the cost for you.","start":1597.93,"end":1612.285,"sentiment":"neutral","sentiment_score":0.027101870430143254},{"text":"Okay?","start":1612.345,"end":1612.845,"sentiment":"neutral","sentiment_score":0.3125053942203522},{"text":"All good.","start":1614.5851,"end":1615.3251,"sentiment":"positive","sentiment_score":0.5957984328269958}],"sentiment":"neutral","sentiment_score":0.15578371528687515,"num_words":123,"start":1579.235,"end":1615.3251},{"sentences":[{"text":"The other thing I did look at was when you get to these higher, some insureds, some of the all of the insurers have these stipulations or have these limits around getting financial and medical underwriting.","start":1615.785,"end":1627.22,"sentiment":"neutral","sentiment_score":-0.1476632629831632},{"text":"Now because you've disclosed that there is that back issue, they will go through medical underwriting.","start":1627.6,"end":1633.215,"sentiment":"neutral","sentiment_score":-0.15818423544988036},{"text":"However, I had a bit of a look, and given the amount that you're wanting to apply for, it doesn't need it won't need any additional financial underwriting.","start":1633.775,"end":1641.475,"sentiment":"neutral","sentiment_score":-0.028717366246772662},{"text":"So we've made sure we're under the limit for that.","start":1641.695,"end":1644.095,"sentiment":"neutral","sentiment_score":-0.1216745063662529},{"text":"Sorry.","start":1644.095,"end":1644.335,"sentiment":"neutral","sentiment_score":-0.07817365974187851}],"sentiment":"neutral","sentiment_score":-0.10929483750446158,"num_words":91,"start":1615.785,"end":1644.335},{"sentences":[{"text":"You're right.","start":1644.335,"end":1644.995,"sentiment":"neutral","sentiment_score":-0.001609250903129576},{"text":"Mhmm.","start":1652.03,"end":1652.53,"sentiment":"neutral","sentiment_score":-0.03365129977464676},{"text":"Mhmm.","start":1656.83,"end":1657.33,"sentiment":"neutral","sentiment_score":-0.07739327847957611},{"text":"Yeah.","start":1663.085,"end":1663.325,"sentiment":"neutral","sentiment_score":-0.03843244910240173},{"text":"So they will still underwrite.","start":1663.325,"end":1664.6849,"sentiment":"neutral","sentiment_score":-0.0767543762922287}],"sentiment":"neutral","sentiment_score":-0.05364674106240273,"num_words":10,"start":1644.335,"end":1664.6849},{"sentences":[{"text":"They'll essentially go through with what you've answered the questions at, and then it'll go through the underwriters.","start":1664.6849,"end":1669.745,"sentiment":"neutral","sentiment_score":-0.0164436851369424},{"text":"The underwriters will ask for all of the doctor's reports.","start":1669.8049,"end":1672.5,"sentiment":"neutral","sentiment_score":-0.0276622761040926},{"text":"So they'll probably go to the doctor and say, look.","start":1672.5,"end":1674.26,"sentiment":"neutral","sentiment_score":-0.029346820339560507},{"text":"We need these reports to confirm this injury or illness or what has happened here.","start":1674.26,"end":1679.64,"sentiment":"neutral","sentiment_score":-0.060549905399481456},{"text":"They'll go through the medical reports and determine whether an exclusion is required or not.","start":1679.7001,"end":1684.84,"sentiment":"neutral","sentiment_score":-0.07773509062826633}],"sentiment":"neutral","sentiment_score":-0.043240474078201634,"num_words":68,"start":1664.6849,"end":1684.84},{"sentences":[{"text":"I've noted here that I expected exclusion because I only have very limited information.","start":1685.275,"end":1689.135,"sentiment":"neutral","sentiment_score":-0.21948582838688577},{"text":"I'd rather tell you we're expecting exclusion and have them come back and go, hey.","start":1689.195,"end":1692.715,"sentiment":"neutral","sentiment_score":-0.1147441104054451},{"text":"It's not as bad.","start":1692.715,"end":1693.775,"sentiment":"neutral","sentiment_score":-0.13081546686589718},{"text":"If we do apply the exclusion, often, they'll apply for a certain point of time.","start":1694.395,"end":1699.435,"sentiment":"neutral","sentiment_score":-0.0019539818982593714},{"text":"So if you've not had any back pain for a couple of years, no medication, no time off work, and your doctor can probably sign off on that, there is a chance that they may review the exclusion and or remove it.","start":1699.435,"end":1711.23,"sentiment":"neutral","sentiment_score":-0.04347085380660636}],"sentiment":"neutral","sentiment_score":-0.07969234121458915,"num_words":90,"start":1685.275,"end":1711.23},{"sentences":[{"text":"But it just comes down to what your doctor says in the reports, what they come up with, and then we can kinda go from there for you.","start":1711.23,"end":1718.445,"sentiment":"neutral","sentiment_score":-0.04948627310139792},{"text":"There's always a chance they may not apply the exclusion.","start":1718.445,"end":1720.945,"sentiment":"neutral","sentiment_score":-0.1578548826277256},{"text":"I just would prefer to sort of openly I'll let you know this is what I'm expecting based on the information we have at the moment.","start":1721.005,"end":1727.1849,"sentiment":"neutral","sentiment_score":-0.012142765264098462},{"text":"Okay?","start":1727.245,"end":1727.745,"sentiment":"neutral","sentiment_score":0.05001109465956688},{"text":"Yep.","start":1729.06,"end":1729.4601,"sentiment":"neutral","sentiment_score":0.2307356894016266}],"sentiment":"neutral","sentiment_score":-0.045441357362450974,"num_words":66,"start":1711.23,"end":1729.4601},{"sentences":[{"text":"Perfect.","start":1729.4601,"end":1729.9601,"sentiment":"positive","sentiment_score":0.5592371225357056},{"text":"All good.","start":1730.18,"end":1731.0,"sentiment":"positive","sentiment_score":0.5519416928291321},{"text":"Other than that, that's basically everything I've got here.","start":1732.26,"end":1735.3201,"sentiment":"neutral","sentiment_score":0.1520184725522995},{"text":"I do know the other thing I did sort of note down was we talked about your beneficiaries.","start":1735.38,"end":1738.92,"sentiment":"neutral","sentiment_score":0.043739710417058736},{"text":"At the moment, your beneficiaries on your super, you have part going to your spouse.","start":1739.8601,"end":1745.545,"sentiment":"neutral","sentiment_score":0.0358875830968221}],"sentiment":"neutral","sentiment_score":0.09682033989164564,"num_words":45,"start":1729.4601,"end":1745.545},{"sentences":[{"text":"Mhmm.","start":1746.5651,"end":1747.0651,"sentiment":"neutral","sentiment_score":0.08651004731655121},{"text":"Yep.","start":1747.125,"end":1747.4451,"sentiment":"neutral","sentiment_score":0.14261989295482635},{"text":"That's correct.","start":1747.4451,"end":1748.265,"sentiment":"neutral","sentiment_score":0.2509630098938942},{"text":"And a little bit going to your child there as well, so 80 20.","start":1748.485,"end":1751.705,"sentiment":"neutral","sentiment_score":0.09716981250260558},{"text":"Now the way this kind of works is if you were to pass away with part of it going to your child, it actually doesn't go to your child directly.","start":1752.085,"end":1760.6,"sentiment":"neutral","sentiment_score":-0.05870898005863031}],"sentiment":"neutral","sentiment_score":0.006878415277848641,"num_words":48,"start":1746.5651,"end":1760.6},{"sentences":[{"text":"It either goes to your spouse or it goes to a public trustee and is held in trust for your child.","start":1760.66,"end":1766.2001,"sentiment":"neutral","sentiment_score":0.029936704075052625},{"text":"So to make sure that the benefit is paid correctly so it can be utilized for what you want it to.","start":1766.5801,"end":1772.065,"sentiment":"positive","sentiment_score":0.34629859846262706},{"text":"I'm recommending that we update that nomination so it goes a 100% to your spouse.","start":1772.365,"end":1777.105,"sentiment":"positive","sentiment_score":0.34481554428736366},{"text":"That means she receives the full benefit a 100% tax free, and she can use that benefit to look after your child, make sure schooling's looked after.","start":1777.405,"end":1785.565,"sentiment":"positive","sentiment_score":0.5092168792530343},{"text":"She can have it paid as a lump sum or an income stream.","start":1785.565,"end":1788.99,"sentiment":"positive","sentiment_score":0.36374045335329497}],"sentiment":"neutral","sentiment_score":0.3252644964023349,"num_words":97,"start":1760.66,"end":1788.99},{"sentences":[{"text":"It can, you know, be paid in several different ways to make sure it's provided correctly.","start":1788.99,"end":1793.01,"sentiment":"positive","sentiment_score":0.3978646844625473},{"text":"But it just takes away the risk there of it going through the public trustee or somebody else having having those funds to look after your child.","start":1793.5499,"end":1800.75,"sentiment":"neutral","sentiment_score":0.13795962267451817},{"text":"So it works out that better that way.","start":1800.75,"end":1803.265,"sentiment":"positive","sentiment_score":0.5373490788042545},{"text":"The other side of it is if, you know, this all works and you keep the beneficiary the way it is and the child becomes, you know, a nondependent when they turn 18, 21, and they're financially dependent on themselves, and you kept your beneficiary the same, your staff would still receive her portion completely tax free, but children who are nontax dependents actually pay tax on the amount they receive or the taxable component of your super.","start":1803.265,"end":1827.98,"sentiment":"neutral","sentiment_score":0.12785678509718332},{"text":"So having it paid directly to yourself makes it a lot easier, and then she can either pay a part to to the children after she's received the benefit, complete the tax free, or she can, if the child's still very minor, can sort of make sure the child is looked after.","start":1828.28,"end":1843.3251,"sentiment":"neutral","sentiment_score":0.2814471469475673}],"sentiment":"neutral","sentiment_score":0.21545645454641205,"num_words":181,"start":1788.99,"end":1843.3251},{"sentences":[{"text":"And it can even put some money into a trust or into a bank account or into an investment for the child as well.","start":1843.3251,"end":1849.14,"sentiment":"positive","sentiment_score":0.39754216248790425},{"text":"It just tends to be a lot more tax effective that way and make sure that the the funds are paid and so your child can be looked after because that's really important.","start":1849.2,"end":1858.1,"sentiment":"positive","sentiment_score":0.4166309092984055},{"text":"Does that make sense?","start":1858.5349,"end":1859.6749,"sentiment":"neutral","sentiment_score":0.09809648059308529},{"text":"Yeah.","start":1859.8949,"end":1860.3949,"sentiment":"neutral","sentiment_score":0.11572441458702087},{"text":"Beautiful.","start":1861.815,"end":1862.315,"sentiment":"positive","sentiment_score":0.39726585149765015}],"sentiment":"positive","sentiment_score":0.3840509221430809,"num_words":63,"start":1843.3251,"end":1862.315},{"sentences":[{"text":"Yeah.","start":1867.335,"end":1867.6549,"sentiment":"neutral","sentiment_score":0.060941435396671295},{"text":"Yes.","start":1867.6549,"end":1867.975,"sentiment":"neutral","sentiment_score":0.07370314002037048},{"text":"If you like, I can get someone to send you another one.","start":1867.975,"end":1870.375,"sentiment":"neutral","sentiment_score":0.0549704460427165},{"text":"I'll get you to read through this document.","start":1870.375,"end":1871.975,"sentiment":"neutral","sentiment_score":0.07160121109336615},{"text":"I'm just trying to resend it now.","start":1871.975,"end":1873.335,"sentiment":"neutral","sentiment_score":0.02495033453617777}],"sentiment":"neutral","sentiment_score":0.053163860635510804,"num_words":29,"start":1867.335,"end":1873.335},{"sentences":[{"text":"I'm just sort of restarting my computer a bit because it's having a bit of a moment.","start":1873.335,"end":1876.58,"sentiment":"neutral","sentiment_score":-0.03775095161707962},{"text":"I've done a few calls today and sent a few of these.","start":1876.58,"end":1878.74,"sentiment":"neutral","sentiment_score":-0.007543180137872696},{"text":"I think my computer's frozen on me.","start":1878.74,"end":1880.58,"sentiment":"neutral","sentiment_score":-0.21166174113750458},{"text":"I'm just restarting, and I'll resend it out to you so you can kind of go over and review it all.","start":1880.58,"end":1885.14,"sentiment":"neutral","sentiment_score":0.039631582175691925},{"text":"Let me know if you do happen to have any questions there.","start":1885.14,"end":1887.7999,"sentiment":"neutral","sentiment_score":0.09375935172041257}],"sentiment":"neutral","sentiment_score":-0.0037179866778677788,"num_words":69,"start":1873.335,"end":1887.7999},{"sentences":[{"text":"It's just important to let you know that, obviously, with insurances, we do receive remuneration from the insurance companies for the recommendations that we do make.","start":1888.02,"end":1896.1749,"sentiment":"neutral","sentiment_score":0.1315918152148907},{"text":"With, we do receive 66% of the first year's premium and then 22% their ongoing.","start":1896.955,"end":1903.0549,"sentiment":"neutral","sentiment_score":0.133855177462101},{"text":"I just like to make it really clear that that has no reflection of my recommendation.","start":1903.59,"end":1907.77,"sentiment":"neutral","sentiment_score":0.02902453555725515},{"text":"I'm recommending you retain because of the limited underwriting to increase the policy.","start":1908.07,"end":1912.8099,"sentiment":"neutral","sentiment_score":0.15790243102953985},{"text":"And with the expected outcome, it's gonna work better in your favor.","start":1913.03,"end":1916.49,"sentiment":"positive","sentiment_score":0.36456145097812015}],"sentiment":"neutral","sentiment_score":0.1502570297750758,"num_words":82,"start":1888.02,"end":1916.49},{"sentences":[{"text":"I just like to make sure we disclose that remuneration is paid by the insurer to us, and it's standard across the board and legislated at those percentages.","start":1916.995,"end":1924.695,"sentiment":"neutral","sentiment_score":0.11434455987598215},{"text":"Okay?","start":1925.235,"end":1925.735,"sentiment":"neutral","sentiment_score":0.06908585876226425},{"text":"All good.","start":1927.5549,"end":1928.375,"sentiment":"positive","sentiment_score":0.4968870282173157},{"text":"Beautiful.","start":1929.01,"end":1929.51,"sentiment":"positive","sentiment_score":0.4330272078514099},{"text":"I'm really sorry that the the system didn't send it out to you, but I'll get that out to you shortly so you can have a really good read to it there, David.","start":1929.8099,"end":1937.25,"sentiment":"neutral","sentiment_score":0.12516696231834817}],"sentiment":"neutral","sentiment_score":0.1358160700935584,"num_words":65,"start":1916.995,"end":1937.25},{"sentences":[{"text":"And you've got my email, so you're welcome to let me know if you do have any questions in relation to any of it and or let me know if you wanna have a more of a chat, and I'm happy to book you back in, and we can go through it again together.","start":1937.25,"end":1948.745,"sentiment":"positive","sentiment_score":0.43838577220837277},{"text":"Okay?","start":1948.965,"end":1949.465,"sentiment":"neutral","sentiment_score":0.08454746007919312},{"text":"All good.","start":1951.9249,"end":1952.645,"sentiment":"positive","sentiment_score":0.5450564920902252},{"text":"All good.","start":1952.645,"end":1953.125,"sentiment":"positive","sentiment_score":0.48643428087234497},{"text":"You've got are you still working for the rest of the day?","start":1953.125,"end":1955.365,"sentiment":"neutral","sentiment_score":0.11735054788490136}],"sentiment":"positive","sentiment_score":0.38350094760387715,"num_words":71,"start":1937.25,"end":1955.365},{"sentences":[{"text":"You don't get an early market all this week?","start":1955.365,"end":1957.3049,"sentiment":"neutral","sentiment_score":-0.1123648625281122},{"text":"Oh, well, I hope you have a lovely afternoon.","start":1962.33,"end":1964.91,"sentiment":"positive","sentiment_score":0.4728735536336899},{"text":"Hopefully, it's nice and sunny where you are, and I hope you have a good restful weekend ahead.","start":1964.97,"end":1969.15,"sentiment":"positive","sentiment_score":0.7030765844715966},{"text":"Thanks.","start":1971.9451,"end":1972.345,"sentiment":"positive","sentiment_score":0.6228424310684204},{"text":"Thanks, David.","start":1972.345,"end":1973.225,"sentiment":"positive","sentiment_score":0.7063177824020386}],"sentiment":"positive","sentiment_score":0.4598829419567035,"num_words":39,"start":1955.365,"end":1973.225},{"sentences":[{"text":"I'll let you go.","start":1973.225,"end":1973.9451,"sentiment":"positive","sentiment_score":0.683273434638977},{"text":"You have a lovely day.","start":1973.9451,"end":1975.0651,"sentiment":"positive","sentiment_score":0.7787170052528382},{"text":"Thank you for your time, and I'll get this email out to you very shortly.","start":1975.0651,"end":1978.045,"sentiment":"positive","sentiment_score":0.7034145593643188},{"text":"Thank you.","start":1980.105,"end":1980.585,"sentiment":"positive","sentiment_score":0.6215822100639343},{"text":"See you later.","start":1980.585,"end":1981.405,"sentiment":"neutral","sentiment_score":0.23035180320342383}],"sentiment":"positive","sentiment_score":0.6590385167249317,"num_words":29,"start":1973.225,"end":1981.405}]}}]},{"alternatives":[{"transcript":"Hi, Dana. This is David. Sorry I missed your call. Yeah. Yeah. Let's let's do it. Yes. Mhmm. Yep. Mhmm. Yep. Yeah. Busy. Not too bad, though, but, like, super busy. Mhmm. Mhmm. Yep. Yep. That's fine. Mhmm. Yep. That's fine. Yeah. No worries. Yep. Yep. Yep. Mhmm. Yep. Okay. Mhmm. Yes. I am now on one I have two jobs now. Yeah. I yeah. Since January. So I have one that's and and the one fifty five one had a pay raise as well. So I'm at, like, one seventy now on that job. What are we, man? Since since January. So five months? Four months. Yeah. Four months. Yeah. Yeah. That's why I'm so busy. Yeah. Mhmm. Yep. Yep. Mhmm. Mhmm. Yep. Okay. Mhmm. Mhmm. Yep. Mhmm. Mhmm. Yep. Mhmm. Okay. Mhmm. Yep. Okay. Okay. Yeah. Mhmm. Okay. Mhmm. Yep. Is that sorry. Yeah. Was that the Bennelong managed fund? Well, that took a bit of a shit. Right. Yep. Okay. Yep. Yep. Okay. Okay. Yep. Okay. Yep. Okay. Yep. Okay. Mhmm. Mhmm. Okay. Yes. Yep. We've we've we've what's transpired, like, in the, like, global environment? Like, what what's the growth of my super at right now? Like, took quite a dip, like, 7,000, about 10% in the last month. Good. Mhmm. Yeah. Yeah. Yep. Okay. Okay. I had another question. If I was looking to turn that my super into an SMSF, because I have some buyer's agent that that's recommending, yeah, buying it buying property investment under my super, is that is that something that you guys can manage? And do you work with a buyer's agent, or how does that work? Mhmm. Mhmm. Mhmm. Yep. Mhmm. Mhmm. Yeah. Mhmm. Mhmm. Mhmm. Mhmm. Yep. Yep. Yeah. Mhmm. Yeah. Yeah. Okay. Okay. Alright. Yeah. It's still it's still a plan or a consideration. I haven't made the decision yet. So I'm I'm just waiting on my borrowing capacity because yeah. Yeah. It is. Mhmm. Yep. Yep. Yes. Mhmm. Yep. Okay. The other question I think that I asked before was the compensation, I think, life insurance in case of Mhmm. Mhmm. Mhmm. Mhmm. Yep. Yep. Mhmm. Yep. Okay. Mhmm. Until until when so? Over how long? Ten. Okay. Yeah. Mhmm. Yeah. Yeah. Mhmm. Mhmm. Mhmm. Yep. Mhmm. Mhmm. Yes. Mhmm. Yep. Okay. Yep. Yep. Yes. Mhmm. Mhmm. Yep. Okay. Yep. Mhmm. Yes. Yes. Yep. Yeah. So so if I did an if I went and got, like, a medical checkup on my back and the doctor said, like, oh, there's nothing wrong with with my back. Does that remove that that medical underwriting of my application? Or Mhmm. Yeah. Okay. Mhmm. Yeah. Yeah. Yeah. Yep. Okay. Okay. Mhmm. Wife. Anissa. Yeah. Yes. Yep. Mhmm. Yeah. Mhmm. Yep. Yes, sir. Okay. Yeah. Yep. Yep. Yep. Yep. Yeah. Makes sense. Okay. So do I just need to re refill the nomination form and send it back? Yep. Yep. Mhmm. Yep. Yep. Yep. Yep. Okay. Okay. Yep. Sounds sounds good. Mhmm. Yep. Okay. Yep. No worries. Oh. No. No. No. It's still working. Yep. Thank you. You too, Dana. Alright. Thank you. 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Dana. This is David. Sorry I missed your call. Yeah. Yeah.\n\nLet's let's do it. Yes. Mhmm. Yep. Mhmm.\n\nYep. Yeah. Busy. Not too bad, though, but, like, super busy. Mhmm.\n\nMhmm. Yep. Yep. That's fine. Mhmm.\n\nYep. That's fine. Yeah. No worries. Yep.\n\nYep. Yep. Mhmm. Yep. Okay.\n\nMhmm. Yes. I am now on one I have two jobs now. Yeah. I yeah.\n\nSince January. So I have one that's and and the one fifty five one had a pay raise as well. So I'm at, like, one seventy now on that job. What are we, man? Since since January.\n\nSo five months? Four months. Yeah. Four months. Yeah.\n\nYeah. That's why I'm so busy. Yeah. Mhmm. Yep.\n\nYep. Mhmm. Mhmm. Yep. Okay.\n\nMhmm. Mhmm. Yep. Mhmm. Mhmm.\n\nYep. Mhmm. Okay. Mhmm. Yep.\n\nOkay. Okay. Yeah. Mhmm. Okay.\n\nMhmm. Yep. Is that sorry. Yeah. Was that the Bennelong managed fund?\n\nWell, that took a bit of a shit. Right. Yep. Okay. Yep.\n\nYep. Okay. Okay. Yep. Okay.\n\nYep. Okay. Yep. Okay. Mhmm.\n\nMhmm. Okay. Yes. Yep. We've we've we've what's transpired, like, in the, like, global environment?\n\nLike, what what's the growth of my super at right now? Like, took quite a dip, like, 7,000, about 10% in the last month. Good. Mhmm. Yeah.\n\nYeah. Yep. Okay. Okay. I had another question.\n\nIf I was looking to turn that my super into an SMSF, because I have some buyer's agent that that's recommending, yeah, buying it buying property investment under my super, is that is that something that you guys can manage? And do you work with a buyer's agent, or how does that work? Mhmm. Mhmm. Mhmm.\n\nYep. Mhmm. Mhmm. Yeah. Mhmm.\n\nMhmm. Mhmm. Mhmm. Yep. Yep.\n\nYeah. Mhmm. Yeah. Yeah. Okay.\n\nOkay. Alright. Yeah. It's still it's still a plan or a consideration. I haven't made the decision yet.\n\nSo I'm I'm just waiting on my borrowing capacity because yeah. Yeah. It is. Mhmm. Yep.\n\nYep. Yes. Mhmm. Yep. Okay.\n\nThe other question I think that I asked before was the compensation, I think, life insurance in case of Mhmm. Mhmm. Mhmm. Mhmm. Yep.\n\nYep. Mhmm. Yep. Okay. Mhmm.\n\nUntil until when so? Over how long? Ten. Okay. Yeah.\n\nMhmm. Yeah. Yeah. Mhmm. Mhmm.\n\nMhmm. Yep. Mhmm. Mhmm. Yes.\n\nMhmm. Yep. Okay. Yep. Yep.\n\nYes. Mhmm. Mhmm. Yep. Okay.\n\nYep. Mhmm. Yes. Yes. Yep.\n\nYeah. So so if I did an if I went and got, like, a medical checkup on my back and the doctor said, like, oh, there's nothing wrong with with my back. Does that remove that that medical underwriting of my application? Or Mhmm. Yeah.\n\nOkay. Mhmm. Yeah. Yeah. Yeah.\n\nYep. Okay. Okay. Mhmm. Wife.\n\nAnissa. Yeah. Yes. Yep. Mhmm.\n\nYeah. Mhmm. Yep. Yes, sir. Okay.\n\nYeah. Yep. Yep. Yep. Yep.\n\nYeah. Makes sense. Okay. So do I just need to re refill the nomination form and send it back? Yep.\n\nYep. Mhmm. Yep. Yep. Yep.\n\nYep. Okay. Okay. Yep. Sounds sounds good.\n\nMhmm. Yep. Okay. Yep. No worries.\n\nOh. No. No. No. It's still working.\n\nYep. Thank you. You too, Dana. Alright. Thank you.\n\nSee you.","paragraphs":[{"sentences":[{"text":"Hi, Dana.","start":3.6799998,"end":4.24,"sentiment":"neutral","sentiment_score":0.1601753681898117},{"text":"This is David.","start":4.24,"end":5.04,"sentiment":"neutral","sentiment_score":0.13147944708665213},{"text":"Sorry I missed your call.","start":5.04,"end":6.98,"sentiment":"neutral","sentiment_score":0.01978693753480911},{"text":"Yeah.","start":16.945,"end":17.345,"sentiment":"neutral","sentiment_score":0.22182027995586395},{"text":"Yeah.","start":17.345,"end":17.825,"sentiment":"neutral","sentiment_score":0.15878164768218994}],"sentiment":"neutral","sentiment_score":0.0995271410793066,"num_words":12,"start":3.6799998,"end":17.825},{"sentences":[{"text":"Let's let's do 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This is Dana.\n\nChannel 1: Hi, Dana. This is David. Sorry I missed your call.\n\nChannel 0: That's absolutely fine, David. Thank you so much for calling me back. I just had you booked in this afternoon just to run over to an updated advice document. Is now still a good time there for\n\nChannel 1: Yeah. Yeah. Let's let's do it.\n\nChannel 0: you? Yeah. All good. But do you happen to have access to your emails there at the moment?\n\nChannel 1: Yes. Mhmm.\n\nChannel 0: Yes. Beautiful. What I'm gonna do is I'm gonna send through the document to you. If you can let me know when that pops over.\n\nChannel 1: Yep.\n\nChannel 0: Sorry. It won't be a moment. My computer's having a little bit of a moment.\n\nChannel 1: Mhmm.\n\nChannel 0: Try and send that one again for you. All good. Saying it's sending now. Sorry. This is a bit of a large document.\n\nI've just attached a few additional attachments there for you. While\n\nChannel 1: Yep.\n\nChannel 0: it's coming through, how's your day been? Busy.\n\nChannel 1: Yeah. Busy.\n\nChannel 0: Yeah.\n\nChannel 1: Not too bad, though, but, like, super busy.\n\nChannel 0: Yeah. Oh, wow. So sorry. My computer's a little bit slow today, and it's telling me that there's an issue with the documents. So\n\nChannel 1: Mhmm.\n\nChannel 0: is it okay if I run you through the document, through the advice, and then send it through to you shortly so you can review it after the call? Is that at all okay? Or\n\nChannel 1: Mhmm. Yep. Yep. That's fine.\n\nChannel 0: yep. That's okay. I don't know what's happening with this document. I've got everything attached that I need to. It's just telling me there's an error with it, so I think I have to go back out and redo it and reset it up for you.\n\nSo I\n\nChannel 1: Mhmm.\n\nChannel 0: do apologize about that.\n\nChannel 1: Yep. That's fine.\n\nChannel 0: I was also gonna try to keep my voice for you. I'm so sorry. My voice is running a bit low this afternoon. It's a bit husky. So if if you need me to\n\nChannel 1: Yeah.\n\nChannel 0: repeat anything, please do let me know. It's absolutely not an issue. Okay?\n\nChannel 1: No worries.\n\nChannel 0: Perfect. Now, David, the document has been prepared for yourself. We've the date on the document was updated to the April 14. So when we completed the documents there, these advice documents are generally valid for about sixty days. However, if something takes a bit longer, if something happens and you don't sort of sign the document within that sixty days, that's absolutely okay.\n\nWe just go back and update all of your circumstances before taking, moving forward with the advice for you. Okay?\n\nChannel 1: Yep. Yep.\n\nChannel 0: On the front of this document here, it does let you know my authorized representative number is 1304394. I'm also sending through as part of this the updated financial service guide as well, and it has all of our licensing information there as we are licensed advisers through. Okay?\n\nChannel 1: Yep.\n\nChannel 0: As we go through the document, you will note that we do provide advice under the best interest duty, which is part of the corporation's access about making sure that we understand your goals, that we understand your\n\nChannel 1: Mhmm.\n\nChannel 0: goals and objectives, and your financial circumstances to be able to make sure the advice is aligned with your goals, is that\n\nChannel 1: Yep.\n\nChannel 0: it meet your goals and help you working towards your future goals as well. Okay?\n\nChannel 1: Okay.\n\nChannel 0: I have an about you section in there. When you're looking at that one, just let me know if there's any changes to your circumstances there. Everything is\n\nChannel 1: Mhmm.\n\nChannel 0: valid as of the last tax fund that we updated. The only thing I sort of really like to double check is income wise. You weren't about 156,000 per annum. Has that changed at all? Or\n\nChannel 1: Yes. I am now on one I have two jobs now.\n\nChannel 0: right. That's\n\nChannel 1: Yeah.\n\nChannel 0: right.\n\nChannel 1: I\n\nChannel 0: You had just recently started that a couple of months back. Yeah.\n\nChannel 1: yeah. Since January. So I have one that's and and the one fifty five one had a pay raise as well.\n\nChannel 0: Yep. Right.\n\nChannel 1: So I'm at, like, one seventy now on that job.\n\nChannel 0: Okay. No worries at all. And your second role, you'd not long started. You've been doing that for, I believe, three months now or\n\nChannel 1: What are we, man? Since since January. So\n\nChannel 0: since January,\n\nChannel 1: five\n\nChannel 0: so\n\nChannel 1: months?\n\nChannel 0: four months. Yeah.\n\nChannel 1: Four\n\nChannel 0: Beautiful.\n\nChannel 1: months. Yeah. Four months.\n\nChannel 0: Okay. Lovely. Lovely. And are you enjoying that?\n\nChannel 1: Yeah. Yeah. That's why I'm so busy.\n\nChannel 0: No. That's absolutely okay.\n\nChannel 1: Yeah.\n\nChannel 0: The only thing that may impact is the your with the recommendations to increase your income protection,\n\nChannel 1: Mhmm.\n\nChannel 0: we've sort of gone on the income that you were earning at $156,000 to sort of make make that recommendation for you.\n\nChannel 1: Yep. Yep.\n\nChannel 0: There because your income has increased, we may need to look at increasing that depending on what your needs are. However, if the amount that we're recommending you increase your income protection by is sufficient as a monthly benefit, then it\n\nChannel 1: Mhmm.\n\nChannel 0: still will work okay. So when you're looking at the document, I'll just get you to run your eyes over that. Have a bit of a think about your expenditure and what you have coming out, and let me know whether you think you need to increase that income protection recommendation or whether you're comfortable\n\nChannel 1: Mhmm.\n\nChannel 0: taking it as it is currently. Okay?\n\nChannel 1: Yep. Okay.\n\nChannel 0: Beautiful. Now the first thing I did wanna sort of go through with you with this advice document is the superannuation side of things. So we\n\nChannel 1: Mhmm.\n\nChannel 0: have scoped in superannuation there. We have sort of noted that when we spoke last time, you sort of wanted to look at sorry. You wanted to look at\n\nChannel 1: Mhmm.\n\nChannel 0: moving into more of a high growth portfolio environment there, which is absolutely fine. You're still nice and young. You've got a lot of time\n\nChannel 1: Yep.\n\nChannel 0: ahead of you before you're able to access your super. So moving into that high growth environment is absolutely a good place to go. We have just sort of done some rethinking of our portfolios recently as well because there have been some changes to the market there. So, essentially, in order to move you into that high growth environment, which is normally where you see around about 90% of your super investment growth assets. So we're looking at things like Australian and international shares, our property, and also alternative growth assets like\n\nChannel 1: Mhmm.\n\nChannel 0: like credit and also metals, like precious metals\n\nChannel 1: Mhmm.\n\nChannel 0: like gold and silver. Okay.\n\nChannel 1: Yep.\n\nChannel 0: So what we're looking to do with this recommendation for your super is sell off some of your investments and do a little bit of redigging to make sure you're in high growth environment, but also make sure\n\nChannel 1: Mhmm.\n\nChannel 0: that the portfolio is working harder for you. So one of the things we are looking to sell is you've got some bank hybrids in there at the moment. We're gonna sell off all of those. Moving forward, the government is phasing those out as an investment option. So moving those now well for altering your portfolio means that we can cement the gains and utilize any of any previous losses to offset for you.\n\nChannel 1: Okay.\n\nChannel 0: We're also gonna be looking at selling all of the, global agriculture. Has been really good in the past, but we're moving into that high growth environment there, and the newer portfolio is working better. We're keeping physical gold. Gold is fantastic, but you're a bit overexposed at the moment. So we're just going to sort of rebalance that and bring you back to about 7% in your gold exposure.\n\nChannel 1: Mhmm.\n\nChannel 0: Keeping some cybersecurity in there. Cybersecurity has taken a little bit of a hit over the last twelve months, but it's still a really\n\nChannel 1: Yep.\n\nChannel 0: good place to be with your portfolio, and we're just gonna rebalance that for you. So you're at about 4% cybersecurity now. We're just gonna bring that up to about 7% exposure for you. Okay?\n\nChannel 1: Okay.\n\nChannel 0: With the S and P 500, at the moment, you've got about 27% in there, so we're gonna sell some of that off and bring you back down to about 25%. Having\n\nChannel 1: Okay.\n\nChannel 0: US shares is still a really good place to be, and there is a lot in the in the world there with what's happening with Iran and The US. However, when\n\nChannel 1: Yeah.\n\nChannel 0: you look at history, even when The US is in the middle of a war or something is going on that is causing this market tension, The US still does provide great long term investment. So it is still worth being in The US. And the good thing with the S and P 500 is this tracks the S and P 500 index. So that essentially\n\nChannel 1: Mhmm.\n\nChannel 0: means that, the makers of the index meet every quarter. The investment community, they meet every quarter, and they essentially assess who is eligible to be in the S and P 500 index. If a company is no longer eligible, they are removed and replaced with something else. So being in\n\nChannel 1: Okay.\n\nChannel 0: the S and P 500 and tracking the index means that you are always tracking the top 500 companies in The US. Okay?\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: We were gonna sell off all of oh, sorry. Part of the beta shares Raffy. This is essentially giving you access to small and medium cap stocks on the ASX there. Being in a high growth environment, it is a it's sort of more of taking a little bit more risk in the market and giving you exposure to the mid and small cap area is important for that. So we're gonna keep about 15% exposure in there.\n\nThen along Australian equities, that was placed into your portfolio back when you came on board. It was meant to be more of an actively managed fund. However, it has been underperforming. So we are\n\nChannel 1: Is\n\nChannel 0: gonna\n\nChannel 1: that\n\nChannel 0: remove that completely out of your portfolio. Sorry. Were\n\nChannel 1: sorry.\n\nChannel 0: you gonna ask the question you're at?\n\nChannel 1: Yeah. Was that the Bennelong\n\nChannel 0: Yep.\n\nChannel 1: managed fund?\n\nChannel 0: Yes. It was. Been along Australian Equities, the managed fund there. Yeah.\n\nChannel 1: Well, that took a bit of a shit. Right.\n\nChannel 0: It has. Unfortunately, what happened in their investment was some underlying investments were a bit dishonest. They weren't able to get out of it, but we're able to get you out of it. So we've sort of done a bit of digging and had a look at some other options to try and get you out. We're gonna sell all of that investment.\n\nWe no longer see it as a a very good investment. It's been downgraded by many an analyst as well. So it is worth selling completely out of that. The fact that it is down a little bit is really good because we can utilize the off the losses that have been received by Benelong being down to offset\n\nChannel 1: Yep.\n\nChannel 0: some of the gains to help limit the CGT utilizing that through our benefit and taking you out of\n\nChannel 1: Okay.\n\nChannel 0: that completely. In\n\nChannel 1: Yep.\n\nChannel 0: order to place that along to make sure you still have that Australian ex Australian equities exposure, we're gonna move you into the beta shares a 200. That's\n\nChannel 1: Yep.\n\nChannel 0: essentially tracking the top 200 companies in Australia. It's not an actively managed fund like like Banna like Banna Long was. It's more of a passively managed fund tracking the index,\n\nChannel 1: Okay.\n\nChannel 0: but it's also lower cost. So it does save you an investment fees as well as well as giving you that exposure to Australian equities. Okay?\n\nChannel 1: Okay. Yep. Okay.\n\nChannel 0: The ClearBridge Rent Infrastructure Income Fund, if that was in your portfolio, we are removing that out. It has been great over the last couple of years. However, whilst with what's happening at the moment, we are finding the infrastructure taking a little bit of a pullback. So it\n\nChannel 1: Yep.\n\nChannel 0: is good to maybe move that out and put into funds into something else for the time being. India is still a really good place to be, giving you diverse vacation to other areas. So we are putting 7% into India. This is more of a somatic kind of ETF. So looking at a theme of of quality Indian stocks that have been around for a long time, but also making sure that we're sort of branching out to obtain greater growth moving forward as well as part of that high growth portfolio.\n\nOkay? Global health care is still is in the portfolio. It wasn't in your last one, but has been in a few of our other ones, and we are having it in this one for you. So, again, it's more of a thematic kind of ETF. It's looking at health care\n\nChannel 1: Okay.\n\nChannel 0: globally. It doesn't just look at, like, medical offices and hospitals and things like that. It also looks at the tech sector within the medical area and health care area, and it's globally. So it's giving you diversification by branching out across the globe. Okay?\n\nAnd then we've also got there the JPMorgan Global Research and Equity Fund. This is a small amount of this fund\n\nChannel 1: Yep.\n\nChannel 0: has a small amount of active management in there. It's essentially utilizing JPMorgan's research teams to find out where there are where the investments to be invested in. This is global, so they're looking worldwide for what is coming up, what is building, what is good, and this sort of investment has been has been really good for diversification, has been good growth over the last few months, and we feel like it's gonna do well moving forward as well. So we're adding that investment into your portfolio for you as well. And then\n\nChannel 1: Okay.\n\nChannel 0: it's still important to have a little bit of defensive investments of things like cash, bonds, and fixed interest to help with that diversification. So we're still gonna keep some core composite bonds in there. These essentially core composite bonds are government and corporate bonds. This\n\nChannel 1: Mhmm.\n\nChannel 0: investment also does look at global diversification. It has some credit notes and things like that in there, some debt from across the world as well. So it's kinda diversifying those defensive assets for you, and we'll see about 7% of your portfolio invested in those defensive areas there. Okay? Beautiful.\n\nI've gone through that as with as much detail. I know it can be a little bit a a lot to kinda go through there. I'll let you look at the document. If you have any questions in relation to those, let me know. But feel free to pull those investments up and have a bit more of a read\n\nChannel 1: Mhmm.\n\nChannel 0: through, and you can have sort of have a look at where we sort of see things moving. With\n\nChannel 1: Okay.\n\nChannel 0: the with the changes that we are making at the moment in your existing portfolio, because you're more of that growth environment, you have about 86.82% in growth investments. So by making these changes here, we're increasing your growth assets to about 93% to bring you more in line with that high growth kind of environment and then decreasing the defensive assets from 13.18% to about 7% there for you. Okay?\n\nChannel 1: Yes. Yep. We've\n\nChannel 0: Yes.\n\nChannel 1: we've we've what's transpired, like, in the, like, global environment? Like, what what's the growth of my super at right now? Like, took quite a dip, like, 7,000, about 10% in the last month. Good.\n\nChannel 0: I can pull up your seat belt and have a bit of a look. Yeah. A lot of that was because of VannaLon, but then there's also a lot because of what was happening globally there. So when we have a look\n\nChannel 1: Mhmm.\n\nChannel 0: at your super I'm just pulling up a report to see exactly kinda what's happened. But when I'm just looking at the front sort of section here, I can see the biggest dip was kind of around about that March 2324 when we sort of see\n\nChannel 1: Yeah.\n\nChannel 0: the largest dip in super. But then we have had a little bit of a recovery back again. So we did see a bit of a dip with what was happening with Trump making those announcements with, obviously,\n\nChannel 1: Yeah.\n\nChannel 0: the straight closing there. But then we have seen a bit more of a recovery back from that. It hasn't recovered fully from where it was at the beginning of that. However, any kind of recovery is still a positive one.\n\nChannel 1: Yep.\n\nChannel 0: The market over the last couple of days have not actually been doing too bad. We've seen some really great growth there. And when I just look at your portfolio over the last month, so it's from the twenty fourth of last month to the twenty third of this month, it actually shows your portfolio is up by 4.94%. So it's made nearly $6,000 in the last month there, which is not a bad amount of growth in recovery. So it's still not doing badly.\n\nIt's just sort of one of those one of those parts of the cycles where you just need\n\nChannel 1: Okay.\n\nChannel 0: to sort of sit through, allow it to go through those downtimes. And whilst the markets are moving up and down and we do rebalance and alter this portfolio, whilst we are removing Van Along and making those changes there, we'll be able to try and, you know, Hub 24 when you submit those requests. We'll be able to try and take advantage of the market ups and downs to try and make sure they're limiting CGT and taking advantage of any down times that the market sees while for rebalancing for you. Okay?\n\nChannel 1: Okay.\n\nChannel 0: Yeah.\n\nChannel 1: I had another question. If I was\n\nChannel 0: Sure.\n\nChannel 1: looking to turn that my super into an SMSF, because I have some buyer's agent that that's recommending,\n\nChannel 0: Mhmm. That you do it? Yeah.\n\nChannel 1: yeah, buying it buying property investment under my super, is that is that something that you guys can manage? And do you work with a buyer's agent, or how does that work?\n\nChannel 0: Mhmm. Yeah. So that does make it really difficult to do. So, generally speaking, we can advise on self managed super funds. There is no issue there in any way, shape, or form, but we do have very much limitations.\n\nSo there is a lot of requirements around providing advice around super self managed super funds. And generally speaking, we would not be recommending you do that unless your balance is at least 250 to 300,000. That's mostly\n\nChannel 1: Mhmm.\n\nChannel 0: because your contributions are used as for the borrowing capacity of the the property. But\n\nChannel 1: Mhmm.\n\nChannel 0: there's also other costs involved, so you've gotta kinda consider whether you want you're only gonna own the property or whether you're gonna want, like, a share portfolio inside that SMSF as well. You also have to leave a certain amount of cash and factor in a couple of years worth of, you know, auditing fees, ongoing\n\nChannel 1: Mhmm.\n\nChannel 0: management fees for the buyer's agent or the accountant, the auditors, and anyone else that you have in there.\n\nChannel 1: Yep.\n\nChannel 0: We also sort of need you to understand what your borrowing capacity is prior to making the recommendation to move into an SMS app and just making\n\nChannel 1: Mhmm.\n\nChannel 0: sure that you understand the ongoing fees and compliance. Because the biggest aspect is that even though we, as advisers, can advise them on the account and help you look after it, your buyer's agent or your mortgage broker helps you to buy the property, at the end of the day, it's a self managed super fund. So you become the trustee of that fund in whatever\n\nChannel 1: Mhmm.\n\nChannel 0: structure there is. You're then responsible for the ongoing maintenance and management of the fund regardless of whoever else is helping for you. You've gotta make the payment for the ongoing bills of the maintenance and fees of the the property within it, your land tax and other bills and things like that, plus making sure you pay all the other people that are helping you to maintain and monitor it. Have\n\nChannel 1: Yeah.\n\nChannel 0: it audited every year and make sure that the ATO keeps it as a compliant fund. So there is a lot of work involved.\n\nChannel 1: Mhmm.\n\nChannel 0: If you're only wanting to hold a property, I'll be really honest, we do charge an upfront fee for onboarding or changing the structure of your super because it is a brand new advice document. It is quite complex there. But if you're only wanting to buy a property, I'm gonna be really honest\n\nChannel 1: Mhmm.\n\nChannel 0: with you. You would be better off just speaking to your accountant and or the buyer's agent, and having\n\nChannel 1: Mhmm.\n\nChannel 0: everything set up directly. Because my advice would essentially be, I recommend that you set up a self managed super fund. I recommend that you, you know, move this much money into a bank account which you have to set up and that your\n\nChannel 1: Mhmm.\n\nChannel 0: a your tax agent organizes the setup of the SMS app with the ATO. So I personally just don't see the value in charging you $5 to tell you, don't see your account and your mortgage broker and your buyer's agent to organize all of these things. If it's something you're absolutely wanting to do, speak to\n\nChannel 1: Yep.\n\nChannel 0: your account and speak to your buyer's agent. I would hate\n\nChannel 1: Yep.\n\nChannel 0: to see you leave as a client, but at the same time, if it's what you wanna do and it's best for you, I'm more\n\nChannel 1: Yeah.\n\nChannel 0: than happy to help you kind of make that move.\n\nChannel 1: Mhmm.\n\nChannel 0: I just like to be really honest and open about, you know, what my advice would entail if you're only wanting\n\nChannel 1: Yeah.\n\nChannel 0: to own a property in that structure. Okay?\n\nChannel 1: Yeah. Okay. Okay. Alright. Yeah.\n\nIt's still it's still a plan or a consideration.\n\nChannel 0: Yeah.\n\nChannel 1: I haven't made the\n\nChannel 0: Yeah.\n\nChannel 1: decision yet.\n\nChannel 0: Yeah.\n\nChannel 1: So I'm I'm just waiting on my borrowing capacity because\n\nChannel 0: Yeah.\n\nChannel 1: yeah.\n\nChannel 0: It's just a lot to consider, isn't it?\n\nChannel 1: Yeah. It is.\n\nChannel 0: Yeah. No. That's okay. If you have any additional questions, you're welcome to let me know. I do sort of pride myself in being honest with you.\n\nSo I feel like that's the best information I can give you for the moment there. Insane that your balance is growing. Things have been working quite nicely. If\n\nChannel 1: Mhmm.\n\nChannel 0: you don't have any other member, if it's just going to be yourself in the Self Money Super Fund, your balance is a bit low for where, you know, we would normally like it to be to do to take on that sort of environment, but at the same time, it's completely your decision. So if\n\nChannel 1: Yep.\n\nChannel 0: you come back with a borrowing capacity, you find a property and you wanna do that, you can absolutely do that. We can keep looking after everything on this end until you complete the transfer, and then we\n\nChannel 1: Yep.\n\nChannel 0: could always help you to, you know, make sure your super transfers into the SMS. That's the\n\nChannel 1: Yes.\n\nChannel 0: way you want it to be. The other option is if, you know, your borrowing capacity isn't what you want, you wanna kinda build that super up a bit more, you can leave it where it is. We can keep looking after it. And when your super does get to that sort of $25,300,000 mark, then we can always look to help you to do the transition there\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: and sort of see what what your goals are at that period of time as well. Okay?\n\nChannel 1: Okay.\n\nChannel 0: Yeah.\n\nChannel 1: The other question I think that I asked before was the compensation, I think, life insurance\n\nChannel 0: Yes.\n\nChannel 1: in case\n\nChannel 0: I've got\n\nChannel 1: of\n\nChannel 0: those.\n\nChannel 1: Mhmm.\n\nChannel 0: Yeah. Yep. I've got those here for you as well. I just just with the last part of the recommendations to change your super into the high growth environment and to make those changes there, I do have to let you know, obviously, there are the advantages there. So the administration fees for the newer portfolio\n\nChannel 1: Mhmm.\n\nChannel 0: do actually reduce, so you save about $10 for the year in admin fees. And the newer portfolio saves you about $230 for the year in investment fees. So this newer portfolio that I'm recommending is a much cheaper portfolio for you, which is a benefit. The\n\nChannel 1: Mhmm.\n\nChannel 0: we use a three year rolling average because some of the investments with the same hybrids you've got there now haven't been around long enough to give you a five year rolling average. But the newer portfolio that we're looking to move you into has seen a greater three year rate rate of return as well. Your\n\nChannel 1: Mhmm.\n\nChannel 0: current portfolio in that growth environment has averaged about 14.2%, whereas the newer portfolio has averaged about 15.99%. So as long as the markets work the way they have, this portfolio could see you getting greater potential returns. You're also taking a bit more risk in that as well. Okay.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Excellent. I do have to also let you know there are CGT consequences for the switch of investments as well. So\n\nChannel 1: Mhmm.\n\nChannel 0: whenever we are switching investments inside the super system, the same as you do your own tax return every year, your super fund does a tax return as well. So there are CGT consequences based on our research. We expect that to be about $515 there. So to make the changes, save a bit of money there, your super fund would only end up with about $515 to pay CGT for making that switch for you. Okay?\n\nChannel 1: Yep. Okay.\n\nChannel 0: And I've got an updated projection there for you. I'll let you have a bit of a look at that. Over the next sort of five to ten years, we can sort of see if if the market performs the way it has, if you're able to get the return that it has produced over the last sort of three odd years and keep that return going for the next five to ten years, you could end up with a bit over 575,000 in the. Okay.\n\nChannel 1: Mhmm.\n\nChannel 0: Oh, good.\n\nChannel 1: Until until\n\nChannel 0: Sorry?\n\nChannel 1: when so? Over\n\nChannel 0: That's\n\nChannel 1: how\n\nChannel 0: the\n\nChannel 1: long?\n\nChannel 0: next ten over the next ten years.\n\nChannel 1: Ten. Okay. Yeah.\n\nChannel 0: Yeah. Yeah. Because you're still so young, I know the last advice documents were sort of giving you after the projections up until the time of retirement. But,\n\nChannel 1: Mhmm.\n\nChannel 0: realistically, I don't like to do that because there's too many things that could change in your life. You know, your\n\nChannel 1: Yeah.\n\nChannel 0: income could change. Your job can change. You've now got two jobs, and you're also looking at other things that are changing in your life as well.\n\nChannel 1: Yeah.\n\nChannel 0: So with too many variables, it's really not a good idea to be providing a a projection over the next twenty years. It'll look really\n\nChannel 1: Mhmm.\n\nChannel 0: lovely, but it's not really very logical to do so. So we keep it short now. We do a ten year projection at the most, noting that this is it can change due to market factors, due to your life, your goals. There's so many other variables that could change in that next ten years. And then we\n\nChannel 1: Mhmm.\n\nChannel 0: just wanna do catch ups with you on a regular basis to make sure we can update the advice as those changes come into\n\nChannel 1: Mhmm.\n\nChannel 0: play. Okay? Beautiful. The next thing we did talk about was the insurance\n\nChannel 1: Yep.\n\nChannel 0: policy there. So you've got your life, your TPD, your income protection currently. Your life and TPD currently has a sum insured of $1,859,002.56, and your income protection currently has a monthly benefit of 8,935 and 40¢. You have\n\nChannel 1: Mhmm.\n\nChannel 0: a four week waiting and a five year benefit period. You wanted to look at increasing that to 2,500,000. So\n\nChannel 1: Mhmm.\n\nChannel 0: that would mean that we're applying for an increase on life and CPD of 640\n\nChannel 1: Yes.\n\nChannel 0: thousand $7.44 and then increased income protection benefit. This is based on your income of a 156,000. We'd be increasing the monthly benefit by a $164.60 on a monthly basis, keeping that four year wait sorry, four weeks for our waiting period and five year benefit period there. Essentially, with the increase to the policy, your current policy's yearly premium is $2.02 $3.01 $0.02.\n\nChannel 1: Mhmm.\n\nChannel 0: It\n\nChannel 1: Yep.\n\nChannel 0: increases to 2\n\nChannel 1: Okay.\n\nChannel 0: $6.04 $9.90. So it's only a very small increase there to bring it up. One of the things I did have a look at is what the expectation looks like. So we are recommending that that increase be completed with cow. That way, you only have to undergo limited underwriting.\n\nSo the current policy you have stays in place exactly as it is. And because\n\nChannel 1: Yep.\n\nChannel 0: when we sort of looked at your house, you've got you've had some back pain and some back issues there. So we are kind of expecting a bit of a back related exclusion on the increased policy only, and that's\n\nChannel 1: Yep.\n\nChannel 0: why I wanted to leave it with Pal so that any changes since your policy came into force. And as we get older, our health changes. I have back problems, so it's completely normal, especially\n\nChannel 1: Yes.\n\nChannel 0: for office workers.\n\nChannel 1: Mhmm.\n\nChannel 0: So, essentially, the the exclusion isn't on your current policy there. And when we go through the newer applications, that exclusion would only apply to the new new part of the policy, which would leave you as part of your policy with no exclusion, which should be good. And it all just comes down to anything else. So if there's any other disclosures as part of the application that we're not aware of, there is a risk of any other loadings or exclusions applied, but I'll make\n\nChannel 1: Mhmm.\n\nChannel 0: sure once you go through the application to increase the policy that I reviewed the application prior to it being submitted. That way we can flag anything else that might come up for you. Okay?\n\nChannel 1: Yep. Okay.\n\nChannel 0: Perfect. So only a small difference in the cost there. I'll let you go back and have a little look at that one. Let me know what you wanna do with the income protection because this is covering you for up to 70% of your income based on a 156,000. And now that you do have those two jobs and you do have a higher income, just\n\nChannel 1: Yep.\n\nChannel 0: have a look at your expenditure. Realistically, if you, if you're if the amount we're applying for is gonna cover your monthly expenditure and you're comfortable with that amount in the event of a claim, then it's absolutely\n\nChannel 1: Mhmm.\n\nChannel 0: fine to to look at and to keep. If you feel it's not gonna be sufficient in the event that you're not able to go to work due to illness or injury, then I can go back and get another card to look at increasing that for you, And I'll just update the\n\nChannel 1: Yes.\n\nChannel 0: advice document to to reconfirm the changes in the cost for you. Okay? All good.\n\nChannel 1: Yes.\n\nChannel 0: The other thing I did look at was when you get to these higher, some insureds, some of the all of the insurers have these stipulations or have these limits around getting financial and medical underwriting. Now because\n\nChannel 1: Yep.\n\nChannel 0: you've disclosed that there is that back issue, they will go through medical underwriting. However, I had a bit of a look, and given the amount that you're wanting to apply for, it doesn't need it won't need any additional financial underwriting. So we've made sure we're under the limit for that. Sorry. You're right.\n\nChannel 1: Yeah. So so if I did an if I went and got, like, a medical checkup on my back\n\nChannel 0: Mhmm.\n\nChannel 1: and the doctor said, like, oh, there's nothing wrong with with my back. Does that remove\n\nChannel 0: Mhmm.\n\nChannel 1: that that medical underwriting of my application? Or\n\nChannel 0: Yeah. So they will still underwrite. They'll essentially go through with what you've answered the questions at, and then it'll go through the underwriters. The underwriters will ask for all of the doctor's reports. So they'll probably go to the doctor and say, look.\n\nWe need these reports to confirm this injury or illness or what has happened here. They'll go through\n\nChannel 1: Mhmm.\n\nChannel 0: the medical reports and determine whether an exclusion is required or not. I've noted here that I expected exclusion because I only have very limited information. I'd rather tell you we're expecting exclusion and\n\nChannel 1: Yeah.\n\nChannel 0: have them come back and go, hey. It's not as bad.\n\nChannel 1: Okay.\n\nChannel 0: If we do apply the exclusion, often, they'll apply for a certain point of time. So if you've not had any back pain for a couple of years, no medication, no time off work, and your doctor can probably sign off on that, there\n\nChannel 1: Mhmm.\n\nChannel 0: is\n\nChannel 1: Yeah.\n\nChannel 0: a chance that they may review the exclusion and or remove it. But it just comes down to what your doctor says in the reports, what they come up with,\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: and then we can kinda go from there for you. There's always a chance they may not apply the exclusion. I just would prefer to sort of openly I'll let you know this is what I'm expecting based on the information we have at the moment. Okay?\n\nChannel 1: Yep. Okay. Okay.\n\nChannel 0: Yep. Perfect. All good. Other than that, that's basically everything I've got here. I do know the other thing I did sort of note down was we talked about your beneficiaries.\n\nAt the\n\nChannel 1: Mhmm.\n\nChannel 0: moment, your beneficiaries on your super, you have part going to your spouse.\n\nChannel 1: Wife. Anissa. Yeah.\n\nChannel 0: Mhmm. Yep. That's correct. And a little bit going to your child there as well, so 80\n\nChannel 1: Yes.\n\nChannel 0: 20. Now\n\nChannel 1: Yep.\n\nChannel 0: the way this kind of works is\n\nChannel 1: Mhmm.\n\nChannel 0: if you were to pass away with part of it going to your child, it actually doesn't go to your child directly. It either\n\nChannel 1: Yeah.\n\nChannel 0: goes to your spouse or it goes to a public trustee and is held in trust for your child. So to make sure that the benefit is paid correctly so it can be utilized for what you want it to. I'm recommending that we update that nomination so it goes a 100% to your spouse. That means she receives\n\nChannel 1: Mhmm.\n\nChannel 0: the full benefit a 100% tax free, and she can use that benefit to look after your child, make sure schooling's looked after. She can have it paid as a lump sum or an income stream. It can, you know, be paid in several different ways to make sure it's provided correctly. But it\n\nChannel 1: Yep.\n\nChannel 0: just takes away the risk there of it going through the public trustee or somebody else having having those funds to look after your child. So it works out that better that way. The other side of it is if, you know, this all works and you keep the beneficiary the way it is and the child becomes, you know, a nondependent when they turn 18, 21, and they're financially dependent on themselves, and you kept your beneficiary the same, your staff would still receive her portion completely tax free, but children\n\nChannel 1: Yes,\n\nChannel 0: who\n\nChannel 1: sir.\n\nChannel 0: are nontax dependents actually pay tax on the amount they receive or the taxable component of your super. So having\n\nChannel 1: Okay.\n\nChannel 0: it paid directly to yourself makes it a lot easier, and then she\n\nChannel 1: Yeah.\n\nChannel 0: can either pay a part to to the children after she's received the benefit, complete the tax free, or\n\nChannel 1: Yep.\n\nChannel 0: she can, if the child's still very minor, can sort of make sure the child is looked after. And it can even put some money into a trust or into a bank account or into an investment for the child as well. It just\n\nChannel 1: Yep.\n\nChannel 0: tends to be a lot more tax effective that way and make\n\nChannel 1: Yep.\n\nChannel 0: sure that the the funds are paid and so your child can be looked after because that's really important. Does that\n\nChannel 1: Yep.\n\nChannel 0: make sense?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Makes sense. Okay. So\n\nChannel 0: Beautiful.\n\nChannel 1: do I just need to re refill the nomination form and send it back? Yep.\n\nChannel 0: Yeah. Yes. If you like, I can get someone to send you another one. I'll get you to read through\n\nChannel 1: Yep.\n\nChannel 0: this document. I'm just trying to resend it now. I'm just sort of restarting my computer a bit because it's having a bit of a moment. I've done a few calls\n\nChannel 1: Mhmm.\n\nChannel 0: today and sent a few of these. I think my computer's frozen on me. I'm just restarting, and I'll resend it out to you so you can kind of go over and review it all. Let me know if\n\nChannel 1: Yep.\n\nChannel 0: you do happen to have any questions there. It's just important to let you know that, obviously, with insurances, we do receive remuneration from the insurance companies for the recommendations that we do make. With, we do receive 66% of the first year's premium\n\nChannel 1: Yep.\n\nChannel 0: and then 22% their ongoing. I just\n\nChannel 1: Yep.\n\nChannel 0: like to make it really clear that that has no reflection of my recommendation. I'm recommending you retain because of the limited underwriting to increase the policy. And with\n\nChannel 1: Yep.\n\nChannel 0: the expected outcome, it's gonna work better in your favor. I just\n\nChannel 1: Okay.\n\nChannel 0: like to make sure we disclose that remuneration is paid by the insurer to us, and it's standard across the board and legislated at those percentages. Okay?\n\nChannel 1: Okay. Yep. Sounds sounds\n\nChannel 0: All\n\nChannel 1: good.\n\nChannel 0: good. Beautiful. I'm really sorry that the the system didn't send it out to you, but I'll get that out\n\nChannel 1: Mhmm.\n\nChannel 0: to you shortly so you can have a really good read to it there, David. And you've got my email, so you're welcome to let me know if you do have any questions in relation to any of it and or let me know if you wanna have a more of a chat, and I'm happy to book you back in, and we can go through it again together.\n\nChannel 1: Yep.\n\nChannel 0: Okay?\n\nChannel 1: Okay. Yep. No worries. Oh.\n\nChannel 0: All good. All good. You've got are you still working for the rest of the day? You don't get an early market all this week?\n\nChannel 1: No. No. No. It's still working.\n\nChannel 0: Oh, well, I hope\n\nChannel 1: Yep.\n\nChannel 0: you have a lovely afternoon. Hopefully, it's nice and sunny where you are, and I hope you have a good restful weekend ahead.\n\nChannel 1: Thank you. You too, Dana.\n\nChannel 0: Thanks. Thanks, David. I'll let you go. You have a lovely day. Thank you for your time, and I'll get this email out to you very shortly.\n\nChannel 1: Alright. Thank you. See you.\n\nChannel 0: Thank you. See you later.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":1.12,"end":1.8399999,"sentiment":"neutral","sentiment_score":0.2549075186252594},{"text":"This is Dana.","start":1.8399999,"end":2.74,"sentiment":"neutral","sentiment_score":0.17847061653931937}],"sentiment":"neutral","sentiment_score":0.20904537737369538,"channel":0,"num_words":5,"start":1.12,"end":2.74},{"sentences":[{"text":"Hi, Dana.","start":3.6799998,"end":4.24,"sentiment":"neutral","sentiment_score":0.1601753681898117},{"text":"This is David.","start":4.24,"end":5.04,"sentiment":"neutral","sentiment_score":0.13147944708665213},{"text":"Sorry I missed your call.","start":5.04,"end":6.98,"sentiment":"neutral","sentiment_score":0.01978693753480911}],"sentiment":"neutral","sentiment_score":0.08137237653136253,"channel":1,"num_words":10,"start":3.6799998,"end":6.98},{"sentences":[{"text":"That's absolutely fine, David.","start":7.3599997,"end":9.12,"sentiment":"positive","sentiment_score":0.6420435160398483},{"text":"Thank you so much for calling me back.","start":9.12,"end":10.559999,"sentiment":"positive","sentiment_score":0.7931306660175323},{"text":"I just had you booked in this afternoon just to run over to an updated advice document.","start":10.559999,"end":14.16,"sentiment":"positive","sentiment_score":0.5128435141900006},{"text":"Is now still a good time there for","start":14.16,"end":16.055,"sentiment":"positive","sentiment_score":0.5198989361524582}],"sentiment":"positive","sentiment_score":0.5889392060202521,"channel":0,"num_words":37,"start":7.3599997,"end":16.055},{"sentences":[{"text":"Yeah.","start":16.945,"end":17.345,"sentiment":"neutral","sentiment_score":0.22182027995586395},{"text":"Yeah.","start":17.345,"end":17.825,"sentiment":"neutral","sentiment_score":0.15878164768218994},{"text":"Let's let's do 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busy.","start":68.365005,"end":70.945,"sentiment":"neutral","sentiment_score":-0.06872884184122086}],"sentiment":"neutral","sentiment_score":-0.06872884184122086,"channel":1,"num_words":8,"start":68.365005,"end":70.945},{"sentences":[{"text":"Yeah.","start":71.525,"end":72.025,"sentiment":"neutral","sentiment_score":-0.028189923614263535},{"text":"Oh, wow.","start":72.165,"end":73.065,"sentiment":"neutral","sentiment_score":-0.039704978466033936},{"text":"So sorry.","start":77.125,"end":77.685,"sentiment":"neutral","sentiment_score":-0.10732999444007874},{"text":"My computer's a little bit slow today, and it's telling me that there's an issue with the 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interest to help with that diversification.","start":721.385,"end":727.83997,"sentiment":"neutral","sentiment_score":0.1700764282916983},{"text":"So we're still gonna keep some core composite bonds in there.","start":728.14,"end":731.2,"sentiment":"neutral","sentiment_score":0.12431771850044077},{"text":"These essentially core composite bonds are government and corporate bonds.","start":731.66,"end":735.2,"sentiment":"neutral","sentiment_score":0.07552694976329803},{"text":"This","start":735.5,"end":735.74,"sentiment":"neutral","sentiment_score":0.08525476604700089}],"sentiment":"neutral","sentiment_score":0.1367359444822954,"channel":0,"num_words":46,"start":721.385,"end":735.74},{"sentences":[{"text":"Mhmm.","start":735.735,"end":736.235,"sentiment":"neutral","sentiment_score":0.08067572861909866}],"sentiment":"neutral","sentiment_score":0.08067572861909866,"channel":1,"num_words":1,"start":735.735,"end":736.235},{"sentences":[{"text":"investment also does look at global 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detail.","start":754.07996,"end":756.24,"sentiment":"neutral","sentiment_score":0.29950742423534393},{"text":"I know it can be a little bit a a lot to kinda go through there.","start":756.24,"end":759.04,"sentiment":"neutral","sentiment_score":0.10649892501533031},{"text":"I'll let you look at the document.","start":759.04,"end":760.31995,"sentiment":"neutral","sentiment_score":0.11328121168272835},{"text":"If you have any questions in relation to those, let me know.","start":760.31995,"end":762.72,"sentiment":"neutral","sentiment_score":0.11942352230350177},{"text":"But feel free to pull those investments up and have a bit more of a read","start":762.72,"end":766.0,"sentiment":"neutral","sentiment_score":0.1588873453438282}],"sentiment":"neutral","sentiment_score":0.15279663155476253,"channel":0,"num_words":60,"start":754.07996,"end":766.0},{"sentences":[{"text":"Mhmm.","start":765.955,"end":766.455,"sentiment":"neutral","sentiment_score":0.052686907351017}],"sentiment":"neutral","sentiment_score":0.052686907351017,"channel":1,"num_words":1,"start":765.955,"end":766.455},{"sentences":[{"text":"through, and you can have sort of have a look at where we sort of see things moving.","start":766.0,"end":769.64496,"sentiment":"neutral","sentiment_score":0.05069159033397833},{"text":"With","start":770.265,"end":770.665,"sentiment":"neutral","sentiment_score":0.042023006826639175}],"sentiment":"neutral","sentiment_score":0.05023534909674996,"channel":0,"num_words":19,"start":766.0,"end":770.665},{"sentences":[{"text":"Okay.","start":770.275,"end":770.775,"sentiment":"neutral","sentiment_score":0.07060933113098145}],"sentiment":"neutral","sentiment_score":0.07060933113098145,"channel":1,"num_words":1,"start":770.275,"end":770.775},{"sentences":[{"text":"the with the changes that we are making at the moment in your existing portfolio, because you're more of that growth environment, you have about 86.82% in growth investments.","start":770.665,"end":780.285,"sentiment":"neutral","sentiment_score":0.10123377447498255},{"text":"So by making these changes here, we're increasing your growth assets to about 93% to bring you more in line with that high growth kind of environment and then decreasing the defensive assets from 13.18% to about 7% there for you.","start":780.75,"end":794.75,"sentiment":"neutral","sentiment_score":0.2176241429477203},{"text":"Okay?","start":794.75,"end":795.25,"sentiment":"neutral","sentiment_score":0.07006873935461044}],"sentiment":"neutral","sentiment_score":0.16800616985895264,"channel":0,"num_words":71,"start":770.665,"end":795.25},{"sentences":[{"text":"Yes.","start":795.34503,"end":795.825,"sentiment":"neutral","sentiment_score":0.0798197016119957},{"text":"Yep.","start":795.825,"end":796.325,"sentiment":"neutral","sentiment_score":0.07335270941257477},{"text":"We've","start":798.03,"end":798.53,"sentiment":"neutral","sentiment_score":0.032638080418109894}],"sentiment":"neutral","sentiment_score":0.061936830480893455,"channel":1,"num_words":3,"start":795.34503,"end":798.53},{"sentences":[{"text":"Yes.","start":798.405,"end":798.905,"sentiment":"neutral","sentiment_score":0.04923545569181442}],"sentiment":"neutral","sentiment_score":0.04923545569181442,"channel":0,"num_words":1,"start":798.405,"end":798.905},{"sentences":[{"text":"we've we've what's transpired, like, in the, like, global environment?","start":798.67004,"end":803.25,"sentiment":"neutral","sentiment_score":0.028044045343995093},{"text":"Like, what what's the growth of my super at right now?","start":803.31,"end":810.51,"sentiment":"neutral","sentiment_score":0.01570754341611808},{"text":"Like, took quite a dip, like, 7,000, about 10% in the last month.","start":810.51,"end":817.05505,"sentiment":"neutral","sentiment_score":-0.07257544464216782},{"text":"Good.","start":818.955,"end":819.455,"sentiment":"neutral","sentiment_score":0.1937142014503479}],"sentiment":"neutral","sentiment_score":-0.008472661368016686,"channel":1,"num_words":35,"start":798.67004,"end":819.455},{"sentences":[{"text":"I can pull up your seat belt and have a bit of a look.","start":818.98,"end":821.595,"sentiment":"neutral","sentiment_score":0.18437852071864264},{"text":"Yeah.","start":821.75494,"end":821.995,"sentiment":"neutral","sentiment_score":0.05853644758462906},{"text":"A lot of that was because of VannaLon, but then there's also a lot because of what was happening globally there.","start":821.995,"end":827.13495,"sentiment":"neutral","sentiment_score":0.04220980095366637},{"text":"So when we have a look","start":827.27496,"end":828.235,"sentiment":"neutral","sentiment_score":0.03751379561920961}],"sentiment":"neutral","sentiment_score":0.08931724598542565,"channel":0,"num_words":42,"start":818.98,"end":828.235},{"sentences":[{"text":"Mhmm.","start":828.05,"end":828.55,"sentiment":"neutral","sentiment_score":0.04322749376296997}],"sentiment":"neutral","sentiment_score":0.04322749376296997,"channel":1,"num_words":1,"start":828.05,"end":828.55},{"sentences":[{"text":"at your super I'm just pulling up a report to see exactly kinda what's happened.","start":828.235,"end":832.415,"sentiment":"neutral","sentiment_score":0.02785827936604619},{"text":"But when I'm just looking at the front sort of section here, I can see the biggest dip was kind of around about 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positive one.","start":858.385,"end":861.685,"sentiment":"neutral","sentiment_score":0.24865491390228273}],"sentiment":"neutral","sentiment_score":0.07336362746612328,"channel":0,"num_words":41,"start":850.38,"end":861.685},{"sentences":[{"text":"Yep.","start":862.14,"end":862.64,"sentiment":"neutral","sentiment_score":0.27731889486312866}],"sentiment":"neutral","sentiment_score":0.27731889486312866,"channel":1,"num_words":1,"start":862.14,"end":862.64},{"sentences":[{"text":"The market over the last couple of days have not actually been doing too bad.","start":862.14496,"end":865.425,"sentiment":"positive","sentiment_score":0.3422776977221171},{"text":"We've seen some really great growth there.","start":865.425,"end":867.48,"sentiment":"positive","sentiment_score":0.6762649246624538},{"text":"And when I just look at your portfolio over the last month, so it's from the twenty fourth of last month to the twenty third of this month, it actually shows your portfolio is up by 4.94%.","start":867.56,"end":877.8,"sentiment":"positive","sentiment_score":0.41156064578004786},{"text":"So it's made nearly $6,000 in the last month there, which is not a bad amount of growth in recovery.","start":877.8,"end":884.385,"sentiment":"neutral","sentiment_score":0.2855275455862284},{"text":"So it's still not doing badly.","start":884.685,"end":886.545,"sentiment":"neutral","sentiment_score":-0.25734508285919827}],"sentiment":"positive","sentiment_score":0.3442616970223539,"channel":0,"num_words":85,"start":862.14496,"end":886.545},{"sentences":[{"text":"It's just sort of one of those one of those parts of the cycles where you just 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take advantage of the market ups and downs to try and make sure they're limiting CGT and taking advantage of any down times that the market sees while for rebalancing for you.","start":906.74,"end":916.735,"sentiment":"neutral","sentiment_score":-0.006851026494252055},{"text":"Okay?","start":916.79504,"end":917.29504,"sentiment":"neutral","sentiment_score":0.025828374549746513}],"sentiment":"neutral","sentiment_score":-0.040318387481284905,"channel":0,"num_words":94,"start":890.525,"end":917.29504},{"sentences":[{"text":"Okay.","start":917.18,"end":917.68,"sentiment":"neutral","sentiment_score":0.018780652433633804}],"sentiment":"neutral","sentiment_score":0.018780652433633804,"channel":1,"num_words":1,"start":917.18,"end":917.68},{"sentences":[{"text":"Yeah.","start":918.315,"end":918.815,"sentiment":"neutral","sentiment_score":0.01853642426431179}],"sentiment":"neutral","sentiment_score":0.01853642426431179,"channel":0,"num_words":1,"start":918.315,"end":918.815},{"sentences":[{"text":"I had another question.","start":919.34,"end":920.56,"sentiment":"neutral","sentiment_score":0.010624600807204843},{"text":"If I 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limitations.","start":954.77997,"end":958.95996,"sentiment":"neutral","sentiment_score":-0.1653844229876995}],"sentiment":"neutral","sentiment_score":-0.1538031743839383,"channel":0,"num_words":40,"start":948.185,"end":958.95996},{"sentences":[{"text":"So there is a lot of requirements around providing advice around super self managed super funds.","start":959.18,"end":964.86,"sentiment":"neutral","sentiment_score":-0.19898822298273444},{"text":"And generally speaking, we would not be recommending you do that unless your balance is at least 250 to 300,000.","start":964.86,"end":972.935,"sentiment":"neutral","sentiment_score":-0.2721073478460312},{"text":"That's 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are CGT consequences for the switch of investments as well.","start":1301.31,"end":1306.1901,"sentiment":"neutral","sentiment_score":0.15383948581783394},{"text":"So","start":1306.1901,"end":1306.395,"sentiment":"neutral","sentiment_score":0.13153517246246338}],"sentiment":"neutral","sentiment_score":0.17173460658107484,"channel":0,"num_words":21,"start":1300.43,"end":1306.395},{"sentences":[{"text":"Mhmm.","start":1306.82,"end":1307.32,"sentiment":"neutral","sentiment_score":0.1376560628414154}],"sentiment":"neutral","sentiment_score":0.1376560628414154,"channel":1,"num_words":1,"start":1306.82,"end":1307.32},{"sentences":[{"text":"whenever we are switching investments inside the super system, the same as you do your own tax return every year, your super fund does a tax return as well.","start":1306.9551,"end":1315.775,"sentiment":"neutral","sentiment_score":0.2053741381086152},{"text":"So there are CGT consequences based on our 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you.","start":1322.65,"end":1332.01,"sentiment":"neutral","sentiment_score":0.13634780024488766},{"text":"Okay?","start":1332.01,"end":1332.51,"sentiment":"neutral","sentiment_score":0.09939968585968018}],"sentiment":"neutral","sentiment_score":0.1365561553990686,"channel":0,"num_words":77,"start":1306.9551,"end":1332.51},{"sentences":[{"text":"Yep.","start":1332.78,"end":1333.18,"sentiment":"neutral","sentiment_score":0.22595231235027313},{"text":"Okay.","start":1333.18,"end":1333.68,"sentiment":"neutral","sentiment_score":0.231344610452652}],"sentiment":"neutral","sentiment_score":0.22864846140146255,"channel":1,"num_words":2,"start":1332.78,"end":1333.68},{"sentences":[{"text":"And I've got an updated projection there for you.","start":1333.93,"end":1336.0851,"sentiment":"neutral","sentiment_score":0.3191263477007548},{"text":"I'll let you have a bit of a look at that.","start":1336.0851,"end":1337.6051,"sentiment":"neutral","sentiment_score":0.2576551938598806},{"text":"Over the next sort of five to ten years, we can sort of see if if the market performs the way it has, if you're able to get the return that it has produced over the last sort of three odd years and keep that return going for the next five to ten years, you could end up with a bit over 575,000 in the.","start":1337.6051,"end":1353.75,"sentiment":"neutral","sentiment_score":0.23471845033077093},{"text":"Okay.","start":1354.2899,"end":1354.7899,"sentiment":"neutral","sentiment_score":0.05501912906765938}],"sentiment":"neutral","sentiment_score":0.24439607746899128,"channel":0,"num_words":86,"start":1333.93,"end":1354.7899},{"sentences":[{"text":"Mhmm.","start":1356.355,"end":1356.855,"sentiment":"neutral","sentiment_score":0.03841239586472511}],"sentiment":"neutral","sentiment_score":0.03841239586472511,"channel":1,"num_words":1,"start":1356.355,"end":1356.855},{"sentences":[{"text":"Oh, 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ten over the next ten years.","start":1360.69,"end":1362.71,"sentiment":"neutral","sentiment_score":0.0036509019721831593}],"sentiment":"neutral","sentiment_score":0.0036509019721831593,"channel":0,"num_words":7,"start":1360.69,"end":1362.71},{"sentences":[{"text":"Ten.","start":1362.99,"end":1363.3099,"sentiment":"neutral","sentiment_score":0.020461896434426308},{"text":"Okay.","start":1363.3099,"end":1363.63,"sentiment":"neutral","sentiment_score":0.030272964388132095},{"text":"Yeah.","start":1363.63,"end":1364.13,"sentiment":"neutral","sentiment_score":0.028185896575450897}],"sentiment":"neutral","sentiment_score":0.026306919132669766,"channel":1,"num_words":3,"start":1362.99,"end":1364.13},{"sentences":[{"text":"Yeah.","start":1364.3049,"end":1364.625,"sentiment":"neutral","sentiment_score":0.03200067952275276},{"text":"Yeah.","start":1364.625,"end":1365.0249,"sentiment":"neutral","sentiment_score":0.027360709384083748},{"text":"Because you're still so young, I know the last advice documents were sort of giving you after the projections up until the time of retirement.","start":1365.0249,"end":1371.2849,"sentiment":"neutral","sentiment_score":-0.03145481805317104},{"text":"But,","start":1371.825,"end":1372.1449,"sentiment":"neutral","sentiment_score":-0.1133985072374344}],"sentiment":"neutral","sentiment_score":-0.03001455605928121,"channel":0,"num_words":28,"start":1364.3049,"end":1372.1449},{"sentences":[{"text":"Mhmm.","start":1371.95,"end":1372.45,"sentiment":"neutral","sentiment_score":-0.14984360337257385}],"sentiment":"neutral","sentiment_score":-0.14984360337257385,"channel":1,"num_words":1,"start":1371.95,"end":1372.45},{"sentences":[{"text":"realistically, I don't like to do that because there's too many things that could change in your life.","start":1372.1449,"end":1376.16,"sentiment":"neutral","sentiment_score":-0.2928420843349563},{"text":"You know, your","start":1376.48,"end":1377.04,"sentiment":"neutral","sentiment_score":-0.07712864379088084}],"sentiment":"neutral","sentiment_score":-0.2620258785429455,"channel":0,"num_words":21,"start":1372.1449,"end":1377.04},{"sentences":[{"text":"Yeah.","start":1376.855,"end":1377.355,"sentiment":"neutral","sentiment_score":-0.05279702693223953}],"sentiment":"neutral","sentiment_score":-0.05279702693223953,"channel":1,"num_words":1,"start":1376.855,"end":1377.355},{"sentences":[{"text":"income could change.","start":1377.04,"end":1377.76,"sentiment":"neutral","sentiment_score":-0.08460772534211476},{"text":"Your job can change.","start":1377.76,"end":1378.48,"sentiment":"neutral","sentiment_score":-0.07775626704096794},{"text":"You've now got two jobs, and you're also looking at other things that are changing in your life as well.","start":1378.48,"end":1382.98,"sentiment":"neutral","sentiment_score":-0.038087053201161326}],"sentiment":"neutral","sentiment_score":-0.049132937341238615,"channel":0,"num_words":27,"start":1377.04,"end":1382.98},{"sentences":[{"text":"Yeah.","start":1383.5751,"end":1384.0751,"sentiment":"neutral","sentiment_score":-0.20144057273864743}],"sentiment":"neutral","sentiment_score":-0.20144057273864743,"channel":1,"num_words":1,"start":1383.5751,"end":1384.0751},{"sentences":[{"text":"So with too many variables, it's really not a good idea to be providing a a projection over the next twenty years.","start":1383.68,"end":1392.3151,"sentiment":"negative","sentiment_score":-0.5273278491063551},{"text":"It'll look 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goals.","start":1397.995,"end":1404.89,"sentiment":"neutral","sentiment_score":-0.11513747518452314},{"text":"There's so many other variables that could change in that next ten years.","start":1404.89,"end":1408.35,"sentiment":"neutral","sentiment_score":-0.11276089113492233},{"text":"And then we","start":1408.49,"end":1408.97,"sentiment":"neutral","sentiment_score":0.016927683105071385}],"sentiment":"neutral","sentiment_score":-0.18607307675069776,"channel":0,"num_words":58,"start":1393.1951,"end":1408.97},{"sentences":[{"text":"Mhmm.","start":1408.9149,"end":1409.4149,"sentiment":"neutral","sentiment_score":0.02440609596669674}],"sentiment":"neutral","sentiment_score":0.02440609596669674,"channel":1,"num_words":1,"start":1408.9149,"end":1409.4149},{"sentences":[{"text":"just wanna do catch ups with you on a regular basis to make sure we can update the advice as those changes come 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insurance","start":1418.905,"end":1421.065,"sentiment":"neutral","sentiment_score":0.06560850627720356}],"sentiment":"neutral","sentiment_score":0.06704373800983796,"channel":0,"num_words":13,"start":1415.05,"end":1421.065},{"sentences":[{"text":"Yep.","start":1420.9875,"end":1421.4875,"sentiment":"neutral","sentiment_score":0.09806030988693236}],"sentiment":"neutral","sentiment_score":0.09806030988693236,"channel":1,"num_words":1,"start":1420.9875,"end":1421.4875},{"sentences":[{"text":"policy there.","start":1421.065,"end":1422.0449,"sentiment":"neutral","sentiment_score":0.0946154072880745},{"text":"So you've got your life, your TPD, your income protection currently.","start":1422.265,"end":1425.725,"sentiment":"neutral","sentiment_score":0.07218990339474245},{"text":"Your life and TPD currently has a sum insured of $1,859,002.56, and your income protection currently has a monthly benefit of 8,935 and 40¢.","start":1426.1849,"end":1439.58,"sentiment":"neutral","sentiment_score":0.054541903669419495},{"text":"You have","start":1439.72,"end":1440.12,"sentiment":"neutral","sentiment_score":0.062059445306658745}],"sentiment":"neutral","sentiment_score":0.06215532702442847,"channel":0,"num_words":39,"start":1421.065,"end":1440.12},{"sentences":[{"text":"Mhmm.","start":1439.955,"end":1440.455,"sentiment":"neutral","sentiment_score":0.05617007613182068}],"sentiment":"neutral","sentiment_score":0.05617007613182068,"channel":1,"num_words":1,"start":1439.955,"end":1440.455},{"sentences":[{"text":"a four week waiting and a five year benefit period.","start":1440.12,"end":1442.86,"sentiment":"neutral","sentiment_score":0.03433301728218794},{"text":"You wanted to look at increasing that to 2,500,000.","start":1443.415,"end":1446.395,"sentiment":"neutral","sentiment_score":0.0978087070915434},{"text":"So","start":1447.015,"end":1447.175,"sentiment":"neutral","sentiment_score":0.10830683261156082}],"sentiment":"neutral","sentiment_score":0.06659576846286655,"channel":0,"num_words":20,"start":1440.12,"end":1447.175},{"sentences":[{"text":"Mhmm.","start":1447.14,"end":1447.64,"sentiment":"neutral","sentiment_score":0.10085485130548476}],"sentiment":"neutral","sentiment_score":0.10085485130548476,"channel":1,"num_words":1,"start":1447.14,"end":1447.64},{"sentences":[{"text":"that would mean that we're applying for an increase on life and CPD of 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there.","start":1460.3401,"end":1471.015,"sentiment":"neutral","sentiment_score":0.1395649055559789},{"text":"Essentially, with the increase to the policy, your current policy's yearly premium is $2.02 $3.01 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especially","start":1522.205,"end":1525.565,"sentiment":"negative","sentiment_score":-0.3638569398058785}],"sentiment":"neutral","sentiment_score":-0.20799444551978793,"channel":0,"num_words":35,"start":1514.64,"end":1525.565},{"sentences":[{"text":"Yes.","start":1525.18,"end":1525.68,"sentiment":"neutral","sentiment_score":-0.18407127261161804}],"sentiment":"neutral","sentiment_score":-0.18407127261161804,"channel":1,"num_words":1,"start":1525.18,"end":1525.68},{"sentences":[{"text":"for office workers.","start":1525.565,"end":1526.625,"sentiment":"neutral","sentiment_score":-0.1482012247045835}],"sentiment":"neutral","sentiment_score":-0.1482012247045835,"channel":0,"num_words":3,"start":1525.565,"end":1526.625},{"sentences":[{"text":"Mhmm.","start":1527.34,"end":1527.84,"sentiment":"neutral","sentiment_score":-0.0883246511220932}],"sentiment":"neutral","sentiment_score":-0.0883246511220932,"channel":1,"num_words":1,"start":1527.34,"end":1527.84},{"sentences":[{"text":"So, essentially, the the exclusion isn't on your current policy there.","start":1527.565,"end":1531.1649,"sentiment":"negative","sentiment_score":-0.3526640717278827},{"text":"And when we go through the newer applications, that exclusion would only apply to the new new part of the policy, which would leave you as part of your policy with no exclusion, which should be good.","start":1531.1649,"end":1540.76,"sentiment":"neutral","sentiment_score":0.2582831136076837},{"text":"And it all just comes down to anything else.","start":1541.38,"end":1543.4601,"sentiment":"neutral","sentiment_score":0.2931847953134113},{"text":"So if there's any other disclosures as part of the application that we're not aware of, there is a risk of any other loadings or exclusions applied, but I'll make","start":1543.4601,"end":1552.455,"sentiment":"neutral","sentiment_score":-0.1402076984445254}],"sentiment":"neutral","sentiment_score":0.047236811712212945,"channel":0,"num_words":87,"start":1527.565,"end":1552.455},{"sentences":[{"text":"Mhmm.","start":1552.335,"end":1552.835,"sentiment":"neutral","sentiment_score":0.06642165035009384}],"sentiment":"neutral","sentiment_score":0.06642165035009384,"channel":1,"num_words":1,"start":1552.335,"end":1552.835},{"sentences":[{"text":"sure once you go through the application to increase the policy that I reviewed the application prior to it being submitted.","start":1552.455,"end":1560.135,"sentiment":"neutral","sentiment_score":0.21081769182568505},{"text":"That way we can flag anything else that might come up for 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look at that one.","start":1568.91,"end":1571.07,"sentiment":"neutral","sentiment_score":0.22996807327637306},{"text":"Let me know what you wanna do with the income protection because this is covering you for up to 70% of your income based on a 156,000.","start":1571.07,"end":1579.01,"sentiment":"neutral","sentiment_score":0.20748341580231985},{"text":"And now that you do have those two jobs and you do have a higher income, just","start":1579.235,"end":1583.475,"sentiment":"neutral","sentiment_score":0.21009766792549806}],"sentiment":"neutral","sentiment_score":0.22825480174662463,"channel":0,"num_words":67,"start":1565.3099,"end":1583.475},{"sentences":[{"text":"Yep.","start":1583.41,"end":1583.91,"sentiment":"neutral","sentiment_score":0.19769218564033508}],"sentiment":"neutral","sentiment_score":0.19769218564033508,"channel":1,"num_words":1,"start":1583.41,"end":1583.91},{"sentences":[{"text":"have a look at your 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The speaker discusses financial situation and the possibility of selling investments to make up for lost gains. They emphasize the importance of diversification and reducing the defensive assets from 13.0% to 7%. The speaker emphasizes the importance of self-help and offers advice on self-help funds. The agent recommends setting up a new super fund to manage the property and discusses insurance policy changes and beneficiaries. The customer is advised to retain coverage for future use."},"intents":{"segments":[{"text":"is it okay if I run you through the document, through the advice, and then send it through to you shortly so you can review it after the call? Is that at all okay?","start_word":199,"end_word":232,"intents":[{"intent":"Provide advice","confidence_score":0.051016804}]},{"text":"I don't know what's happening with this document. I've got everything attached that I need to. It's just telling me there's an error with it, so I think I have to go back out and redo it and reset it up for you. So I Mhmm.","start_word":242,"end_word":287,"intents":[{"intent":"Reset document","confidence_score":0.01567949}]},{"text":"I was also gonna try to keep my voice for you. I'm so sorry.","start_word":295,"end_word":308,"intents":[{"intent":"Provide assistance","confidence_score":0.060807582}]},{"text":"On the front of this document here, it does let you know my authorized representative number is 1304394. I'm also sending through as part of this the updated financial service guide as well, and it has all of our licensing information there as we are licensed advisers through. Okay? Yep.","start_word":431,"end_word":480,"intents":[{"intent":"Clarify document details","confidence_score":0.009412499}]},{"text":"We have just sort of done some rethinking of our portfolios recently as well because there have been some changes to the market there.","start_word":1007,"end_word":1030,"intents":[{"intent":"Rethink portfolios","confidence_score":0.085998654}]},{"text":"We're keeping physical gold. Gold is fantastic, but you're a bit overexposed at the moment. So we're just going to sort of rebalance that and bring you back to about 7% in your gold exposure. Mhmm.","start_word":1242,"end_word":1277,"intents":[{"intent":"Rebalance portfolio","confidence_score":0.08460439},{"intent":"Rebalance portfolio","confidence_score":0.11964824}]},{"text":"US shares is still a really good place to be, and there is a lot in the in the world there with what's happening with Iran and The US. However, when Yeah.","start_word":1373,"end_word":1404,"intents":[{"intent":"Explaining and evaluating us shares","confidence_score":0.0000043619357}]},{"text":"you look at history, even when The US is in the middle of a war or something is going on that is causing this market tension, The US still does provide great long term investment. So it is still worth being in The US.","start_word":1404,"end_word":1447,"intents":[{"intent":"Describing recent investment","confidence_score":0.0000015934705}]},{"text":"So it is still worth being in The US.","start_word":1439,"end_word":1447,"intents":[{"intent":"Announcing the us should be in the us","confidence_score":2.071741e-7}]},{"text":"And the good thing with the S and P 500 is this tracks the S and P 500 index. So that essentially Mhmm. means that, the makers of the index meet every quarter. The investment community, they meet every quarter, and they essentially assess who is eligible to be in the S and P 500 index. If a company is no longer eligible, they are removed and replaced with something else. So being in Okay.","start_word":1448,"end_word":1522,"intents":[{"intent":"Explaining the trackers of the s and p 500 index","confidence_score":0.00011926904},{"intent":"Discussing the us's s and p 500 index","confidence_score":0.013211203}]},{"text":"Part of the beta shares Raffy. This is essentially giving you access to small and medium cap stocks on the ASX there. Being in a high growth environment, it is a it's sort of more of taking a little bit more risk in the market and giving you exposure to the mid and small cap area is important for that.","start_word":1557,"end_word":1616,"intents":[{"intent":"Mentioning the use of raffy","confidence_score":0.0005828711}]},{"text":"So we are Is gonna that remove that completely out of your portfolio. Sorry. Were sorry.","start_word":1658,"end_word":1673,"intents":[{"intent":"Proposing removal from portfolio","confidence_score":0.00079858827}]},{"text":"Was that the Bennelong Yep. managed fund? Yes. It was.","start_word":1682,"end_word":1691,"intents":[{"intent":"Explaining the us's reliance on benelong equities","confidence_score":0.00006693067}]},{"text":"Unfortunately, what happened in their investment was some underlying investments were a bit dishonest. They weren't able to get out of it, but we're able to get you out of it.","start_word":1712,"end_word":1742,"intents":[{"intent":"Expressing gratitude for assistance","confidence_score":0.0007375881}]},{"text":"We're gonna sell all of that investment. We no longer see it as a a very good investment. It's been downgraded by many an analyst as well. So it is worth selling completely out of that.","start_word":1766,"end_word":1801,"intents":[{"intent":"Sell investment","confidence_score":0.61504865}]},{"text":"The fact that it is down a little bit is really good because we can utilize the off the losses that have been received by Benelong being down to offset Yep. some of the gains to help limit the CGT utilizing that through our benefit and taking you out of Okay. that completely.","start_word":1802,"end_word":1854,"intents":[{"intent":"Utilize losses","confidence_score":0.25384843}]},{"text":"is good to maybe move that out and put into funds into something else for the time being.","start_word":1997,"end_word":2014,"intents":[{"intent":"Move funds","confidence_score":0.41890994}]},{"text":"So looking at a theme of of quality Indian stocks that have been around for a long time, but also making sure that we're sort of branching out to obtain greater growth moving forward as well as part of that high growth portfolio. Okay?","start_word":2047,"end_word":2090,"intents":[{"intent":"Get growth","confidence_score":0.0048039895}]},{"text":"Global health care is still is in the portfolio.","start_word":2091,"end_word":2099,"intents":[{"intent":"Establish global health care","confidence_score":0.006106777}]},{"text":"I'll let you look at the document. If you have any questions in relation to those, let me know. But feel free to pull those investments up and have a bit more of a read Mhmm.","start_word":2427,"end_word":2462,"intents":[{"intent":"Review investments","confidence_score":0.0030693708}]},{"text":"through, and you can have sort of have a look at where we sort of see things moving. With Okay.","start_word":2464,"end_word":2483,"intents":[{"intent":"Analyze portfolio growth","confidence_score":0.02092131}]},{"text":"the with the changes that we are making at the moment in your existing portfolio, because you're more of that growth environment, you have about 86.82% in growth investments. So by making these changes here, we're increasing your growth assets to about 93% to bring you more in line with that high growth kind of environment and then decreasing the defensive assets from 13.18% to about 7% there for you. Okay? Yes.","start_word":2483,"end_word":2554,"intents":[{"intent":"Clarify impact of growth","confidence_score":0.0000013344186}]},{"text":"A lot of that was because of VannaLon, but then there's also a lot because of what was happening globally there.","start_word":2608,"end_word":2628,"intents":[{"intent":"Identify impact of global market","confidence_score":0.0003112635}]},{"text":"The market over the last couple of days have not actually been doing too bad. We've seen some really great growth there. And when I just look at your portfolio over the last month, so it's from the twenty fourth of last month to the twenty third of this month, it actually shows your portfolio is up by 4.94%.","start_word":2764,"end_word":2822,"intents":[{"intent":"Analyze market recovery","confidence_score":0.010923692}]},{"text":"We also sort of need you to understand what your borrowing capacity is prior to making the recommendation to move into an SMS app and just making Mhmm.","start_word":3201,"end_word":3228,"intents":[{"intent":"Understand borrowing capacity","confidence_score":0.58791554},{"intent":"Understand sms app","confidence_score":0.39756337}]},{"text":"We also sort of need you to understand what your borrowing capacity is prior to making the recommendation to move into an SMS app and just making Mhmm. sure that you understand the ongoing fees and compliance.","start_word":3201,"end_word":3237,"intents":[{"intent":"Understand maintenance and compliance","confidence_score":0.04672306}]},{"text":"You've gotta make the payment for the ongoing bills of the maintenance and fees of the the property within it, your land tax and other bills and things like that, plus making sure you pay all the other people that are helping you to maintain and monitor it. Have Yeah.","start_word":3320,"end_word":3369,"intents":[{"intent":"Make payment","confidence_score":0.13504751}]},{"text":"Because my advice would essentially be, I recommend that you set up a self managed super fund.","start_word":3474,"end_word":3490,"intents":[{"intent":"Set up self-managed super fund","confidence_score":0.15544711}]},{"text":"I recommend that you, you know, move this much money into a bank account which you have to set up and that your Mhmm.","start_word":3491,"end_word":3514,"intents":[{"intent":"Set up bank account","confidence_score":0.4851455}]},{"text":"If it's something you're absolutely wanting to do, speak to Yep. your account and speak to your buyer's agent. I would hate Yep.","start_word":3563,"end_word":3585,"intents":[{"intent":"Speak to yep","confidence_score":0.51448995}]},{"text":"than happy to help you kind of make that move. Mhmm.","start_word":3611,"end_word":3621,"intents":[{"intent":"Help make a move","confidence_score":0.07072262}]},{"text":"I haven't made the Yeah. decision yet. Yeah.","start_word":3667,"end_word":3674,"intents":[{"intent":"Consider decision","confidence_score":0.0005570627}]},{"text":"So this newer portfolio that I'm recommending is a much cheaper portfolio for you, which is a benefit. The Mhmm.","start_word":4067,"end_word":4086,"intents":[{"intent":"Recommend portfolio upgrades","confidence_score":0.00028588026}]},{"text":"So there are CGT consequences based on our research. We expect that to be about $515 there. So to make the changes, save a bit of money there, your super fund would only end up with about $515 to pay CGT for making that switch for you. Okay?","start_word":4249,"end_word":4296,"intents":[{"intent":"Analyze cgt consequences and predict future earnings","confidence_score":0.0000092987275}]},{"text":"Over the next sort of five to ten years, we can sort of see if if the market performs the way it has, if you're able to get the return that it has produced over the last sort of three odd years and keep that return going for the next five to ten years, you could end up with a bit over 575,000 in the. Okay.","start_word":4318,"end_word":4383,"intents":[{"intent":"Provide projection for market and future financial forecast","confidence_score":3.9174402e-8}]},{"text":"just wanna do catch ups with you on a regular basis to make sure we can update the advice as those changes come into Mhmm. play. Okay?","start_word":4571,"end_word":4597,"intents":[{"intent":"Catch up with speaker 2","confidence_score":0.0035583598}]},{"text":"And when we go through the newer applications, that exclusion would only apply to the new new part of the policy, which would leave you as part of your policy with no exclusion, which should be good.","start_word":4917,"end_word":4953,"intents":[{"intent":"Clarify policy requirements","confidence_score":0.169422}]},{"text":"However, I had a bit of a look, and given the amount that you're wanting to apply for, it doesn't need it won't need any additional financial underwriting. So we've made sure we're under the limit for that. Sorry.","start_word":5261,"end_word":5299,"intents":[{"intent":"Assist with application process","confidence_score":0.00031984516},{"intent":"Discuss application process","confidence_score":0.006832881}]},{"text":"The underwriters will ask for all of the doctor's reports. So they'll probably go to the doctor and say, look. We need these reports to confirm this injury or illness or what has happened here. They'll go through Mhmm. the medical reports and determine whether an exclusion is required or not.","start_word":5370,"end_word":5420,"intents":[{"intent":"Ask about medical reports","confidence_score":0.0047691744}]},{"text":"They'll go through Mhmm. the medical reports and determine whether an exclusion is required or not.","start_word":5405,"end_word":5420,"intents":[{"intent":"Determine if exclusion is required","confidence_score":0.002644068},{"intent":"Clarify exclusion requirements","confidence_score":0.048619866}]},{"text":"There's always a chance they may not apply the exclusion. I just would prefer to sort of openly I'll let you know this is what I'm expecting based on the information we have at the moment. Okay?","start_word":5545,"end_word":5581,"intents":[{"intent":"Accept exclusion application","confidence_score":0.00019344756}]},{"text":"I do know the other thing I did sort of note down was we talked about your beneficiaries. At the Mhmm. moment, your beneficiaries on your super, you have part going to your spouse. Wife.","start_word":5599,"end_word":5633,"intents":[{"intent":"Explain beneficiary role","confidence_score":0.00035450928}]},{"text":"I'm recommending that we update that nomination so it goes a 100% to your spouse.","start_word":5729,"end_word":5743,"intents":[{"intent":"Recommend updating nomination","confidence_score":0.15804845},{"intent":"Propose improving benefit allocation system","confidence_score":6.543745e-9}]},{"text":"are nontax dependents actually pay tax on the amount they receive or the taxable component of your super. So having Okay.","start_word":5899,"end_word":5919,"intents":[{"intent":"Explain nontax dependent coverage","confidence_score":0.0010108736},{"intent":"Propose nontax dependent coverage","confidence_score":0.009721746}]},{"text":"do I just need to re refill the nomination form and send it back? Yep.","start_word":6043,"end_word":6057,"intents":[{"intent":"Resend document","confidence_score":0.0041598864},{"intent":"Refill nomination form","confidence_score":0.50410736}]},{"text":"I'm just restarting, and I'll resend it out to you so you can kind of go over and review it all.","start_word":6125,"end_word":6145,"intents":[{"intent":"Review system","confidence_score":0.0001229916}]},{"text":"I'm recommending you retain because of the limited underwriting to increase the policy. And with Yep.","start_word":6218,"end_word":6233,"intents":[{"intent":"Recommend retention of coverage","confidence_score":0.0026784122}]},{"text":"like to make sure we disclose that remuneration is paid by the insurer to us, and it's standard across the board and legislated at those percentages. Okay? Okay.","start_word":6247,"end_word":6274,"intents":[{"intent":"Disclosure remuneration payment","confidence_score":0.00038690813}]}]},"sentiments":{"segments":[{"text":"Good afternoon. This is Dana. Hi, Dana. This is David. Sorry I missed your call.","start_word":0,"end_word":14,"sentiment":"neutral","sentiment_score":0.13418948650360107},{"text":"That's absolutely fine, David. Thank you so much for calling me back. I just had you booked in this afternoon just to run over to an updated advice document. Is now still a good time there for Yeah.","start_word":15,"end_word":52,"sentiment":"positive","sentiment_score":0.572291910648346},{"text":"Yeah. Let's let's do it. you? Yeah. All good. But do you happen to have access to your emails there at the moment? Yes. Mhmm. Yes.","start_word":53,"end_word":78,"sentiment":"neutral","sentiment_score":0.10345394909381866},{"text":"Beautiful.","start_word":79,"end_word":79,"sentiment":"positive","sentiment_score":0.4554008245468139},{"text":"What I'm gonna do is I'm gonna send through the document to you. If you can let me know when that pops over. Yep. Sorry. It won't be a moment. My computer's having a little bit of a moment. Mhmm. Try and send that one again for you. All good. Saying it's sending now. Sorry. This is a bit of a large document. I've just attached a few additional attachments there for you. While Yep. it's coming through, how's your day been? Busy. Yeah. Busy. Yeah. Not too bad, though, but, like, super busy. Yeah. Oh, wow. So sorry. My computer's a little bit slow today, and it's telling me that there's an issue with the documents. So Mhmm. is it okay if I run you through the document, through the advice, and then send it through to you shortly so you can review it after the call? Is that at all okay? Or Mhmm. Yep. Yep. That's fine. yep. That's okay. I don't know what's happening with this document. I've got everything attached that I need to. It's just telling me there's an error with it, so I think I have to go back out and redo it and reset it up for you. So I Mhmm. do apologize about that. Yep. That's fine. I was also gonna try to keep my voice for you. I'm so sorry. My voice is running a bit low this afternoon.","start_word":80,"end_word":317,"sentiment":"neutral","sentiment_score":-0.07040514051914215},{"text":"It's a bit husky.","start_word":318,"end_word":321,"sentiment":"negative","sentiment_score":-0.3964235782623291},{"text":"So if if you need me to Yeah. repeat anything, please do let me know. It's absolutely not an issue. Okay? No worries.","start_word":322,"end_word":344,"sentiment":"neutral","sentiment_score":0.07060283422470093},{"text":"Perfect. Now, David, the document has been prepared for yourself.","start_word":345,"end_word":354,"sentiment":"positive","sentiment_score":0.4192960858345032},{"text":"We've the date on the document was updated to the April 14. So when we completed the documents there, these advice documents are generally valid for about sixty days. However, if something takes a bit longer, if something happens and you don't sort of sign the document within that sixty days, that's absolutely okay. We just go back and update all of your circumstances before taking, moving forward with the advice for you. Okay? Yep. Yep. On the front of this document here, it does let you know my authorized representative number is 1304394. I'm also sending through as part of this the updated financial service guide as well, and it has all of our licensing information there as we are licensed advisers through. Okay? Yep. As we go through the document, you will note that we do provide advice under the best interest duty, which is part of the corporation's access about making sure that we understand your goals, that we understand your Mhmm.","start_word":355,"end_word":519,"sentiment":"neutral","sentiment_score":0.20719729363918304},{"text":"goals and objectives, and your financial circumstances to be able to make sure the advice is aligned with your goals, is that Yep. it meet your goals and help you working towards your future goals as well.","start_word":520,"end_word":556,"sentiment":"positive","sentiment_score":0.3647961914539337},{"text":"Okay? Okay. I have an about you section in there. When you're looking at that one, just let me know if there's any changes to your circumstances there. Everything is Mhmm. valid as of the last tax fund that we updated. The only thing I sort of really like to double check is income wise. You weren't about 156,000 per annum. Has that changed at all? Or Yes. I am now on one I have two jobs now. right. That's Yeah. right. I You had just recently started that a couple of months back. Yeah. yeah. Since January. So I have one that's and and the one fifty five one had a pay raise as well. Yep. Right. So I'm at, like, one seventy now on that job. Okay. No worries at all. And your second role, you'd not long started. You've been doing that for, I believe, three months now or What are we, man? Since since January. So since January, five so months? four months. Yeah.","start_word":557,"end_word":724,"sentiment":"neutral","sentiment_score":0.03811157188777413},{"text":"Four Beautiful.","start_word":725,"end_word":726,"sentiment":"positive","sentiment_score":0.34980306029319763},{"text":"months. Yeah. Four months. Okay.","start_word":727,"end_word":731,"sentiment":"neutral","sentiment_score":0.16613700985908508},{"text":"Lovely. Lovely. And are you enjoying that?","start_word":732,"end_word":738,"sentiment":"positive","sentiment_score":0.5311598181724548},{"text":"Yeah. Yeah. That's why I'm so busy. No. That's absolutely okay. Yeah. The only thing that may impact is the your with the recommendations to increase your income protection, Mhmm. we've sort of gone on the income that you were earning at $156,000 to sort of make make that recommendation for you. Yep. Yep. There because your income has increased, we may need to look at increasing that depending on what your needs are. However, if the amount that we're recommending you increase your income protection by is sufficient as a monthly benefit, then it Mhmm. still will work okay. So when you're looking at the document, I'll just get you to run your eyes over that. Have a bit of a think about your expenditure and what you have coming out, and let me know whether you think you need to increase that income protection recommendation or whether you're comfortable Mhmm. taking it as it is currently. Okay? Yep. Okay.","start_word":739,"end_word":899,"sentiment":"neutral","sentiment_score":0.02830224111676216},{"text":"Beautiful.","start_word":900,"end_word":900,"sentiment":"positive","sentiment_score":0.4654359817504883},{"text":"Now the first thing I did wanna sort of go through with you with this advice document is the superannuation side of things. So we Mhmm. have scoped in superannuation there. We have sort of noted that when we spoke last time, you sort of wanted to look at sorry. You wanted to look at Mhmm. moving into more of a high growth portfolio environment there, which is absolutely fine. You're still nice and young. You've got a lot of time Yep. ahead of you before you're able to access your super.","start_word":901,"end_word":992,"sentiment":"neutral","sentiment_score":0.08546121418476105},{"text":"So moving into that high growth environment is absolutely a good place to go.","start_word":993,"end_word":1006,"sentiment":"positive","sentiment_score":0.3930107355117798},{"text":"We have just sort of done some rethinking of our portfolios recently as well because there have been some changes to the market there. So, essentially, in order to move you into that high growth environment, which is normally where you see around about 90% of your super investment growth assets. So we're looking at things like Australian and international shares, our property, and also alternative growth assets like Mhmm. like credit and also metals, like precious metals Mhmm. like gold and silver. Okay. Yep. So what we're looking to do with this recommendation for your super is sell off some of your investments and do a little bit of redigging to make sure you're in high growth environment, but also make sure Mhmm. that the portfolio is working harder for you. So one of the things we are looking to sell is you've got some bank hybrids in there at the moment. We're gonna sell off all of those. Moving forward, the government is phasing those out as an investment option. So moving those now well for altering your portfolio means that we can cement the gains and utilize any of any previous losses to offset for you. Okay. We're also gonna be looking at selling all of the, global agriculture. Has been really good in the past, but we're moving into that high growth environment there, and the newer portfolio is working better. We're keeping physical gold. Gold is fantastic, but you're a bit overexposed at the moment. So we're just going to sort of rebalance that and bring you back to about 7% in your gold exposure. Mhmm. Keeping some cybersecurity in there. Cybersecurity has taken a little bit of a hit over the last twelve months, but it's still a really Yep. good place to be with your portfolio, and we're just gonna rebalance that for you. So you're at about 4% cybersecurity now. We're just gonna bring that up to about 7% exposure for you. Okay? Okay. With the S and P 500, at the moment, you've got about 27% in there, so we're gonna sell some of that off and bring you back down to about 25%. Having Okay. US shares is still a really good place to be, and there is a lot in the in the world there with what's happening with Iran and The US. However, when Yeah. you look at history, even when The US is in the middle of a war or something is going on that is causing this market tension, The US still does provide great long term investment.","start_word":1007,"end_word":1438,"sentiment":"neutral","sentiment_score":0.09031353508018786},{"text":"So it is still worth being in The US.","start_word":1439,"end_word":1447,"sentiment":"positive","sentiment_score":0.3511982262134552},{"text":"And the good thing with the S and P 500 is this tracks the S and P 500 index. So that essentially Mhmm. means that, the makers of the index meet every quarter. The investment community, they meet every quarter, and they essentially assess who is eligible to be in the S and P 500 index. If a company is no longer eligible, they are removed and replaced with something else. So being in Okay. the S and P 500 and tracking the index means that you are always tracking the top 500 companies in The US. Okay? Mhmm. Yep. We were gonna sell off all of oh, sorry. Part of the beta shares Raffy. This is essentially giving you access to small and medium cap stocks on the ASX there. Being in a high growth environment, it is a it's sort of more of taking a little bit more risk in the market and giving you exposure to the mid and small cap area is important for that. So we're gonna keep about 15% exposure in there. Then along Australian equities, that was placed into your portfolio back when you came on board. It was meant to be more of an actively managed fund. However, it has been underperforming. So we are Is gonna that remove that completely out of your portfolio. Sorry. Were sorry. you gonna ask the question you're at? Yeah. Was that the Bennelong Yep. managed fund? Yes. It was. Been along Australian Equities, the managed fund there. Yeah. Well, that took a bit of a shit. Right. It has.","start_word":1448,"end_word":1711,"sentiment":"neutral","sentiment_score":-0.0026749263051897287},{"text":"Unfortunately, what happened in their investment was some underlying investments were a bit dishonest.","start_word":1712,"end_word":1725,"sentiment":"negative","sentiment_score":-0.42645055055618286},{"text":"They weren't able to get out of it, but we're able to get you out of it. So we've sort of done a bit of digging and had a look at some other options to try and get you out. We're gonna sell all of that investment. We no longer see it as a a very good investment.","start_word":1726,"end_word":1783,"sentiment":"neutral","sentiment_score":-0.10013724359330432},{"text":"It's been downgraded by many an analyst as well.","start_word":1784,"end_word":1792,"sentiment":"negative","sentiment_score":-0.41534844040870667},{"text":"So it is worth selling completely out of that. The fact that it is down a little bit is really good because we can utilize the off the losses that have been received by Benelong being down to offset Yep. some of the gains to help limit the CGT utilizing that through our benefit and taking you out of Okay. that completely. In Yep. order to place that along to make sure you still have that Australian ex Australian equities exposure, we're gonna move you into the beta shares a 200. That's essentially Yep. tracking the top 200 companies in Australia. It's not an actively managed fund like like Banna like Banna Long was. It's more of a passively managed fund tracking the index, Okay. but it's also lower cost.","start_word":1793,"end_word":1922,"sentiment":"neutral","sentiment_score":0.1094098463654518},{"text":"So it does save you an investment fees as well as well as giving you that exposure to Australian equities.","start_word":1923,"end_word":1942,"sentiment":"positive","sentiment_score":0.33990392088890076},{"text":"Okay? Okay. Yep. Okay. The ClearBridge Rent Infrastructure Income Fund, if that was in your portfolio, we are removing that out. It has been great over the last couple of years. However, whilst with what's happening at the moment, we are finding the infrastructure taking a little bit of a pullback. So it Yep. is good to maybe move that out and put into funds into something else for the time being.","start_word":1943,"end_word":2014,"sentiment":"neutral","sentiment_score":-0.03569294512271881},{"text":"India is still a really good place to be, giving you diverse vacation to other areas.","start_word":2015,"end_word":2030,"sentiment":"positive","sentiment_score":0.34082767367362976},{"text":"So we are putting 7% into India. This is more of a somatic kind of ETF. So looking at a theme of of quality Indian stocks that have been around for a long time, but also making sure that we're sort of branching out to obtain greater growth moving forward as well as part of that high growth portfolio. Okay? Global health care is still is in the portfolio. It wasn't in your last one, but has been in a few of our other ones, and we are having it in this one for you. So, again, it's more of a thematic kind of ETF. It's looking at health care Okay. globally. It doesn't just look at, like, medical offices and hospitals and things like that. It also looks at the tech sector within the medical area and health care area, and it's globally. So it's giving you diversification by branching out across the globe. Okay? And then we've also got there the JPMorgan Global Research and Equity Fund. This is a small amount of this fund Yep. has a small amount of active management in there. It's essentially utilizing JPMorgan's research teams to find out where there are where the investments to be invested in.","start_word":2031,"end_word":2236,"sentiment":"neutral","sentiment_score":0.11999083389934984},{"text":"This is global, so they're looking worldwide for what is coming up, what is building, what is good, and this sort of investment has been has been really good for diversification, has been good growth over the last few months, and we feel like it's gonna do well moving forward as well. So we're adding that investment into your portfolio for you as well.","start_word":2237,"end_word":2300,"sentiment":"positive","sentiment_score":0.4840289056301117},{"text":"And then Okay. it's still important to have a little bit of defensive investments of things like cash, bonds, and fixed interest to help with that diversification. So we're still gonna keep some core composite bonds in there. These essentially core composite bonds are government and corporate bonds. This Mhmm. investment also does look at global diversification. It has some credit notes and things like that in there, some debt from across the world as well. So it's kinda diversifying those defensive assets for you, and we'll see about 7% of your portfolio invested in those defensive areas there. Okay?","start_word":2301,"end_word":2400,"sentiment":"neutral","sentiment_score":0.16111019253730774},{"text":"Beautiful.","start_word":2401,"end_word":2401,"sentiment":"positive","sentiment_score":0.5721836090087891},{"text":"I've gone through that as with as much detail. I know it can be a little bit a a lot to kinda go through there. I'll let you look at the document. If you have any questions in relation to those, let me know. But feel free to pull those investments up and have a bit more of a read Mhmm. through, and you can have sort of have a look at where we sort of see things moving. With Okay. the with the changes that we are making at the moment in your existing portfolio, because you're more of that growth environment, you have about 86.82% in growth investments. So by making these changes here, we're increasing your growth assets to about 93% to bring you more in line with that high growth kind of environment and then decreasing the defensive assets from 13.18% to about 7% there for you. Okay? Yes. Yep. We've Yes. we've we've what's transpired, like, in the, like, global environment? Like, what what's the growth of my super at right now? Like, took quite a dip, like, 7,000, about 10% in the last month. Good. I can pull up your seat belt and have a bit of a look. Yeah. A lot of that was because of VannaLon, but then there's also a lot because of what was happening globally there. So when we have a look Mhmm. at your super I'm just pulling up a report to see exactly kinda what's happened. But when I'm just looking at the front sort of section here, I can see the biggest dip was kind of around about that March 2324 when we sort of see Yeah. the largest dip in super. But then we have had a little bit of a recovery back again. So we did see a bit of a dip with what was happening with Trump making those announcements with, obviously, Yeah. the straight closing there. But then we have seen a bit more of a recovery back from that. It hasn't recovered fully from where it was at the beginning of that. However, any kind of recovery is still a positive one. Yep.","start_word":2402,"end_word":2763,"sentiment":"neutral","sentiment_score":0.0810732901384488},{"text":"The market over the last couple of days have not actually been doing too bad. We've seen some really great growth there. And when I just look at your portfolio over the last month, so it's from the twenty fourth of last month to the twenty third of this month, it actually shows your portfolio is up by 4.94%.","start_word":2764,"end_word":2822,"sentiment":"positive","sentiment_score":0.43544963002204895},{"text":"So it's made nearly $6,000 in the last month there, which is not a bad amount of growth in recovery. So it's still not doing badly. It's just sort of one of those one of those parts of the cycles where you just need Okay. to sort of sit through, allow it to go through those downtimes. And whilst the markets are moving up and down and we do rebalance and alter this portfolio, whilst we are removing Van Along and making those changes there, we'll be able to try and, you know, Hub 24 when you submit those requests. We'll be able to try and take advantage of the market ups and downs to try and make sure they're limiting CGT and taking advantage of any down times that the market sees while for rebalancing for you. Okay? Okay. Yeah. I had another question. If I was Sure. looking to turn that my super into an SMSF, because I have some buyer's agent that that's recommending, Mhmm. That you do it? Yeah. yeah, buying it buying property investment under my super, is that is that something that you guys can manage? And do you work with a buyer's agent, or how does that work? Mhmm. Yeah. So that does make it really difficult to do. So, generally speaking, we can advise on self managed super funds. There is no issue there in any way, shape, or form, but we do have very much limitations. So there is a lot of requirements around providing advice around super self managed super funds. And generally speaking, we would not be recommending you do that unless your balance is at least 250 to 300,000. That's mostly Mhmm. because your contributions are used as for the borrowing capacity of the the property. But Mhmm. there's also other costs involved, so you've gotta kinda consider whether you want you're only gonna own the property or whether you're gonna want, like, a share portfolio inside that SMSF as well. You also have to leave a certain amount of cash and factor in a couple of years worth of, you know, auditing fees, ongoing Mhmm. management fees for the buyer's agent or the accountant, the auditors, and anyone else that you have in there. Yep. We also sort of need you to understand what your borrowing capacity is prior to making the recommendation to move into an SMS app and just making Mhmm. sure that you understand the ongoing fees and compliance. Because the biggest aspect is that even though we, as advisers, can advise them on the account and help you look after it, your buyer's agent or your mortgage broker helps you to buy the property, at the end of the day, it's a self managed super fund. So you become the trustee of that fund in whatever Mhmm. structure there is. You're then responsible for the ongoing maintenance and management of the fund regardless of whoever else is helping for you. You've gotta make the payment for the ongoing bills of the maintenance and fees of the the property within it, your land tax and other bills and things like that, plus making sure you pay all the other people that are helping you to maintain and monitor it. Have Yeah. it audited every year and make sure that the ATO keeps it as a compliant fund. So there is a lot of work involved. Mhmm. If you're only wanting to hold a property, I'll be really honest, we do charge an upfront fee for onboarding or changing the structure of your super because it is a brand new advice document. It is quite complex there. But if you're only wanting to buy a property, I'm gonna be really honest Mhmm. with you. You would be better off just speaking to your accountant and or the buyer's agent, and having Mhmm. everything set up directly. Because my advice would essentially be, I recommend that you set up a self managed super fund. I recommend that you, you know, move this much money into a bank account which you have to set up and that your Mhmm. a your tax agent organizes the setup of the SMS app with the ATO.","start_word":2823,"end_word":3528,"sentiment":"neutral","sentiment_score":-0.03028964692536773},{"text":"So I personally just don't see the value in charging you $5 to tell you, don't see your account and your mortgage broker and your buyer's agent to organize all of these things.","start_word":3529,"end_word":3561,"sentiment":"negative","sentiment_score":-0.4330107867717743},{"text":"If it's something you're absolutely wanting to do, speak to Yep. your account and speak to your buyer's agent. I would hate Yep. to see you leave as a client, but at the same time, if it's what you wanna do and it's best for you, I'm more Yeah.","start_word":3562,"end_word":3610,"sentiment":"neutral","sentiment_score":0.11874403059482574},{"text":"than happy to help you kind of make that move.","start_word":3611,"end_word":3620,"sentiment":"positive","sentiment_score":0.6718989610671997},{"text":"Mhmm. I just like to be really honest and open about, you know, what my advice would entail if you're only wanting Yeah. to own a property in that structure. Okay? Yeah. Okay. Okay. Alright. Yeah. It's still it's still a plan or a consideration. Yeah. I haven't made the Yeah. decision yet. Yeah. So I'm I'm just waiting on my borrowing capacity because Yeah. yeah. It's just a lot to consider, isn't it? Yeah. It is. Yeah. No. That's okay. If you have any additional questions, you're welcome to let me know.","start_word":3621,"end_word":3713,"sentiment":"neutral","sentiment_score":0.11345391720533372},{"text":"I do sort of pride myself in being honest with you. So I feel like that's the best information I can give you for the moment there. Insane that your balance is growing. Things have been working quite nicely.","start_word":3714,"end_word":3752,"sentiment":"positive","sentiment_score":0.5707942247390747},{"text":"If Mhmm. you don't have any other member, if it's just going to be yourself in the Self Money Super Fund, your balance is a bit low for where, you know, we would normally like it to be to do to take on that sort of environment, but at the same time, it's completely your decision.","start_word":3753,"end_word":3808,"sentiment":"neutral","sentiment_score":0.07294195890426636},{"text":"So if Yep. you come back with a borrowing capacity, you find a property and you wanna do that, you can absolutely do that.","start_word":3809,"end_word":3832,"sentiment":"positive","sentiment_score":0.3914508819580078},{"text":"We can keep looking after everything on this end until you complete the transfer, and then we Yep. could always help you to, you know, make sure your super transfers into the SMS. That's the way Yes.","start_word":3833,"end_word":3869,"sentiment":"neutral","sentiment_score":0.2894494831562042},{"text":"you want it to be.","start_word":3870,"end_word":3874,"sentiment":"positive","sentiment_score":0.35966330766677856},{"text":"The other option is if, you know, your borrowing capacity isn't what you want, you wanna kinda build that super up a bit more, you can leave it where it is. We can keep looking after it. And when your super does get to that sort of $25,300,000 mark, then we can always look to help you to do the transition there Mhmm. Yep. and sort of see what what your goals are at that period of time as well. Okay? Okay. Yeah. The other question I think that I asked before was the compensation, I think, life insurance Yes. in case I've got of those. Mhmm. Yeah. Yep. I've got those here for you as well. I just just with the last part of the recommendations to change your super into the high growth environment and to make those changes there, I do have to let you know, obviously, there are the advantages there. So the administration fees for the newer portfolio Mhmm.","start_word":3875,"end_word":4038,"sentiment":"neutral","sentiment_score":0.17102649807929993},{"text":"do actually reduce, so you save about $10 for the year in admin fees. And the newer portfolio saves you about $230 for the year in investment fees. So this newer portfolio that I'm recommending is a much cheaper portfolio for you, which is a benefit.","start_word":4039,"end_word":4084,"sentiment":"positive","sentiment_score":0.4231843948364258},{"text":"The Mhmm. we use a three year rolling average because some of the investments with the same hybrids you've got there now haven't been around long enough to give you a five year rolling average. But the newer portfolio that we're looking to move you into has seen a greater three year rate rate of return as well. Your Mhmm. current portfolio in that growth environment has averaged about 14.2%, whereas the newer portfolio has averaged about 15.99%. So as long as the markets work the way they have, this portfolio could see you getting greater potential returns. You're also taking a bit more risk in that as well. Okay. Yep. Yep.","start_word":4085,"end_word":4196,"sentiment":"neutral","sentiment_score":0.167687326669693},{"text":"Excellent.","start_word":4197,"end_word":4197,"sentiment":"positive","sentiment_score":0.5519413352012634},{"text":"I do have to also let you know there are CGT consequences for the switch of investments as well. So Mhmm. whenever we are switching investments inside the super system, the same as you do your own tax return every year, your super fund does a tax return as well. So there are CGT consequences based on our research. We expect that to be about $515 there. So to make the changes, save a bit of money there, your super fund would only end up with about $515 to pay CGT for making that switch for you. Okay? Yep. Okay. And I've got an updated projection there for you. I'll let you have a bit of a look at that. Over the next sort of five to ten years, we can sort of see if if the market performs the way it has, if you're able to get the return that it has produced over the last sort of three odd years and keep that return going for the next five to ten years, you could end up with a bit over 575,000 in the. Okay. Mhmm. Oh, good. Until until Sorry? when so? Over That's how the long? next ten over the next ten years. Ten. Okay. Yeah. Yeah. Yeah. Because you're still so young, I know the last advice documents were sort of giving you after the projections up until the time of retirement. But, Mhmm. realistically, I don't like to do that because there's too many things that could change in your life. You know, your Yeah. income could change. Your job can change. You've now got two jobs, and you're also looking at other things that are changing in your life as well. Yeah.","start_word":4198,"end_word":4485,"sentiment":"neutral","sentiment_score":0.09026420183686748},{"text":"So with too many variables, it's really not a good idea to be providing a a projection over the next twenty years.","start_word":4486,"end_word":4507,"sentiment":"negative","sentiment_score":-0.5327086448669434},{"text":"It'll look really Mhmm.","start_word":4508,"end_word":4511,"sentiment":"neutral","sentiment_score":-0.2602840065956116},{"text":"lovely, but it's not really very logical to do so. So we keep it short now.","start_word":4512,"end_word":4527,"sentiment":"negative","sentiment_score":-0.387353003025055},{"text":"We do a ten year projection at the most, noting that this is it can change due to market factors, due to your life, your goals. There's so many other variables that could change in that next ten years. And then we Mhmm. just wanna do catch ups with you on a regular basis to make sure we can update the advice as those changes come into Mhmm. play. Okay?","start_word":4528,"end_word":4597,"sentiment":"neutral","sentiment_score":-0.033898673951625824},{"text":"Beautiful.","start_word":4598,"end_word":4598,"sentiment":"positive","sentiment_score":0.45876383781433105},{"text":"The next thing we did talk about was the insurance Yep. policy there. So you've got your life, your TPD, your income protection currently. Your life and TPD currently has a sum insured of $1,859,002.56, and your income protection currently has a monthly benefit of 8,935 and 40<unk>. You have Mhmm. a four week waiting and a five year benefit period. You wanted to look at increasing that to 2,500,000. So Mhmm. that would mean that we're applying for an increase on life and CPD of 640 Yes. thousand $7.44 and then increased income protection benefit. This is based on your income of a 156,000. We'd be increasing the monthly benefit by a $164.60 on a monthly basis, keeping that four year wait sorry, four weeks for our waiting period and five year benefit period there. Essentially, with the increase to the policy, your current policy's yearly premium is $2.02 $3.01 $0.02. Mhmm. It Yep. increases to 2 Okay. $6.04 $9.90. So it's only a very small increase there to bring it up. One of the things I did have a look at is what the expectation looks like. So we are recommending that that increase be completed with cow. That way, you only have to undergo limited underwriting. So the current policy you have stays in place exactly as it is. And because Yep. when we sort of looked at your house, you've got you've had some back pain and some back issues there.","start_word":4599,"end_word":4845,"sentiment":"neutral","sentiment_score":0.07256872206926346},{"text":"So we are kind of expecting a bit of a back related exclusion on the increased policy only, and that's Yep.","start_word":4845,"end_word":4866,"sentiment":"negative","sentiment_score":-0.3887835443019867},{"text":"why I wanted to leave it with Pal so that any changes since your policy came into force. And as we get older, our health changes.","start_word":4866,"end_word":4892,"sentiment":"neutral","sentiment_score":-0.1548439860343933},{"text":"I have back problems, so it's completely normal, especially Yes.","start_word":4892,"end_word":4902,"sentiment":"negative","sentiment_score":-0.33812904357910156},{"text":"for office workers. Mhmm.","start_word":4902,"end_word":4906,"sentiment":"neutral","sentiment_score":-0.13112086057662964},{"text":"So, essentially, the the exclusion isn't on your current policy there.","start_word":4906,"end_word":4917,"sentiment":"negative","sentiment_score":-0.3416801393032074},{"text":"And when we go through the newer applications, that exclusion would only apply to the new new part of the policy, which would leave you as part of your policy with no exclusion, which should be good. And it all just comes down to anything else. So if there's any other disclosures as part of the application that we're not aware of, there is a risk of any other loadings or exclusions applied, but I'll make Mhmm. sure once you go through the application to increase the policy that I reviewed the application prior to it being submitted. That way we can flag anything else that might come up for you. Okay? Yep.","start_word":4916,"end_word":5028,"sentiment":"neutral","sentiment_score":0.10835643857717514},{"text":"Okay. Perfect.","start_word":5029,"end_word":5030,"sentiment":"positive","sentiment_score":0.51592618227005},{"text":"So only a small difference in the cost there. I'll let you go back and have a little look at that one. Let me know what you wanna do with the income protection because this is covering you for up to 70% of your income based on a 156,000. And now that you do have those two jobs and you do have a higher income, just Yep. have a look at your expenditure. Realistically, if you, if you're if the amount we're applying for is gonna cover your monthly expenditure and you're comfortable with that amount in the event of a claim, then it's absolutely Mhmm.","start_word":5031,"end_word":5136,"sentiment":"neutral","sentiment_score":0.23444131016731265},{"text":"fine to to look at and to keep.","start_word":5137,"end_word":5144,"sentiment":"positive","sentiment_score":0.4089749753475189},{"text":"If you feel it's not gonna be sufficient in the event that you're not able to go to work due to illness or injury, then I can go back and get another card to look at increasing that for you, And I'll just update the Yes. advice document to to reconfirm the changes in the cost for you. Okay?","start_word":5145,"end_word":5203,"sentiment":"neutral","sentiment_score":0.03814949095249176},{"text":"All good.","start_word":5204,"end_word":5205,"sentiment":"positive","sentiment_score":0.5790004134178162},{"text":"Yes. The other thing I did look at was when you get to these higher, some insureds, some of the all of the insurers have these stipulations or have these limits around getting financial and medical underwriting. Now because Yep. you've disclosed that there is that back issue, they will go through medical underwriting. However, I had a bit of a look, and given the amount that you're wanting to apply for, it doesn't need it won't need any additional financial underwriting. So we've made sure we're under the limit for that. Sorry. You're right. Yeah. So so if I did an if I went and got, like, a medical checkup on my back Mhmm. and the doctor said, like, oh, there's nothing wrong with with my back. Does that remove Mhmm. that that medical underwriting of my application? Or Yeah. So they will still underwrite. They'll essentially go through with what you've answered the questions at, and then it'll go through the underwriters. The underwriters will ask for all of the doctor's reports. So they'll probably go to the doctor and say, look. We need these reports to confirm this injury or illness or what has happened here. They'll go through Mhmm. the medical reports and determine whether an exclusion is required or not. I've noted here that I expected exclusion because I only have very limited information. I'd rather tell you we're expecting exclusion and have Yeah. them come back and go, hey. It's not as bad. If Okay. we do apply the exclusion, often, they'll apply for a certain point of time. So if you've not had any back pain for a couple of years, no medication, no time off work, and your doctor can probably sign off on that, there Mhmm. is Yeah. a chance that they may review the exclusion and or remove it. But it just comes down to what your doctor says in the reports, what they come up with, Yeah. Yeah. and then we can kinda go from there for you. There's always a chance they may not apply the exclusion. I just would prefer to sort of openly I'll let you know this is what I'm expecting based on the information we have at the moment. Okay? Yep. Okay. Okay. Yep.","start_word":5206,"end_word":5585,"sentiment":"neutral","sentiment_score":-0.06702979865827058},{"text":"Perfect. All good.","start_word":5586,"end_word":5588,"sentiment":"positive","sentiment_score":0.5435857176780701},{"text":"Other than that, that's basically everything I've got here. I do know the other thing I did sort of note down was we talked about your beneficiaries. At the Mhmm. moment, your beneficiaries on your super, you have part going to your spouse. Wife. Anissa. Yeah. Mhmm. Yep. That's correct. And a little bit going to your child there as well, so 80 Yes. 20. Now Yep. the way this kind of works is Mhmm. if you were to pass away with part of it going to your child, it actually doesn't go to your child directly. It either Yeah. goes to your spouse or it goes to a public trustee and is held in trust for your child.","start_word":5589,"end_word":5707,"sentiment":"neutral","sentiment_score":0.042591479270398115},{"text":"So to make sure that the benefit is paid correctly so it can be utilized for what you want it to. I'm recommending that we update that nomination so it goes a 100% to your spouse. That means she receives Mhmm. the full benefit a 100% tax free, and she can use that benefit to look after your child, make sure schooling's looked after. She can have it paid as a lump sum or an income stream. It can, you know, be paid in several different ways to make sure it's provided correctly.","start_word":5708,"end_word":5800,"sentiment":"positive","sentiment_score":0.41101962327957153},{"text":"But it Yep. just takes away the risk there of it going through the public trustee or somebody else having having those funds to look after your child.","start_word":5801,"end_word":5828,"sentiment":"neutral","sentiment_score":0.15418410301208496},{"text":"So it works out that better that way.","start_word":5829,"end_word":5836,"sentiment":"positive","sentiment_score":0.5310981273651123},{"text":"The other side of it is if, you know, this all works and you keep the beneficiary the way it is and the child becomes, you know, a nondependent when they turn 18, 21, and they're financially dependent on themselves, and you kept your beneficiary the same, your staff would still receive her portion completely tax free, but children Yes, who sir. are nontax dependents actually pay tax on the amount they receive or the taxable component of your super. So having Okay.","start_word":5837,"end_word":5919,"sentiment":"neutral","sentiment_score":0.13096798956394196},{"text":"it paid directly to yourself makes it a lot easier, and then she Yeah.","start_word":5920,"end_word":5933,"sentiment":"positive","sentiment_score":0.34463316202163696},{"text":"can either pay a part to to the children after she's received the benefit, complete the tax free, or Yep. she can, if the child's still very minor, can sort of make sure the child is looked after.","start_word":5934,"end_word":5971,"sentiment":"neutral","sentiment_score":0.26637113094329834},{"text":"And it can even put some money into a trust or into a bank account or into an investment for the child as well. It just Yep. tends to be a lot more tax effective that way and make Yep. sure that the the funds are paid and so your child can be looked after because that's really important.","start_word":5972,"end_word":6030,"sentiment":"positive","sentiment_score":0.40804359316825867},{"text":"Does that Yep. make sense? Yeah. Yeah. Makes sense. Okay.","start_word":6031,"end_word":6040,"sentiment":"neutral","sentiment_score":0.11338170617818832},{"text":"So Beautiful.","start_word":6041,"end_word":6042,"sentiment":"positive","sentiment_score":0.3470628261566162},{"text":"do I just need to re refill the nomination form and send it back? Yep. Yeah. Yes. If you like, I can get someone to send you another one. I'll get you to read through Yep. this document. I'm just trying to resend it now. I'm just sort of restarting my computer a bit because it's having a bit of a moment. I've done a few calls Mhmm. today and sent a few of these. I think my computer's frozen on me. I'm just restarting, and I'll resend it out to you so you can kind of go over and review it all. Let me know if Yep. you do happen to have any questions there. It's just important to let you know that, obviously, with insurances, we do receive remuneration from the insurance companies for the recommendations that we do make. With, we do receive 66% of the first year's premium Yep. and then 22% their ongoing. I just Yep. like to make it really clear that that has no reflection of my recommendation. I'm recommending you retain because of the limited underwriting to increase the policy. And with Yep.","start_word":6043,"end_word":6233,"sentiment":"neutral","sentiment_score":0.05879523605108261},{"text":"the expected outcome, it's gonna work better in your favor.","start_word":6234,"end_word":6243,"sentiment":"positive","sentiment_score":0.37778908014297485},{"text":"I just Okay. like to make sure we disclose that remuneration is paid by the insurer to us, and it's standard across the board and legislated at those percentages. Okay? Okay. Yep.","start_word":6244,"end_word":6275,"sentiment":"neutral","sentiment_score":0.11402220278978348},{"text":"Sounds sounds All good. good. Beautiful.","start_word":6276,"end_word":6281,"sentiment":"positive","sentiment_score":0.4532226026058197},{"text":"I'm really sorry that the the system didn't send it out to you, but I'll get that out Mhmm. to you shortly so you can have a really good read to it there, David.","start_word":6282,"end_word":6315,"sentiment":"neutral","sentiment_score":0.11555319279432295},{"text":"And you've got my email, so you're welcome to let me know if you do have any questions in relation to any of it and or let me know if you wanna have a more of a chat, and I'm happy to book you back in, and we can go through it again together.","start_word":6316,"end_word":6369,"sentiment":"positive","sentiment_score":0.4413323402404785},{"text":"Yep. Okay? Okay. Yep. No worries. Oh.","start_word":6370,"end_word":6376,"sentiment":"neutral","sentiment_score":0.13561704754829407},{"text":"All good. All good.","start_word":6377,"end_word":6380,"sentiment":"positive","sentiment_score":0.5092713236808777},{"text":"You've got are you still working for the rest of the day? You don't get an early market all this week? No. No. No. It's still working. Oh, well, I hope Yep.","start_word":6381,"end_word":6412,"sentiment":"neutral","sentiment_score":0.009181028231978416},{"text":"you have a lovely afternoon. Hopefully, it's nice and sunny where you are, and I hope you have a good restful weekend ahead. Thank you. You too, Dana. Thanks. Thanks, David. I'll let you go. You have a lovely day. Thank you for your time, and I'll get this email out to you very shortly. Alright. Thank you. See you. Thank you. See you later.","start_word":6413,"end_word":6477,"sentiment":"positive","sentiment_score":0.658116340637207}],"average":{"sentiment":"neutral","sentiment_score":0.08768823501170939}}}}