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I had you booked in to go over the the research I did on your superannuation. Is now still a good time? Yeah. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Perfect. And just for security purposes, just so that I can confirm I am speaking with the right person, can I just get you to confirm your full name, date of birth, and address, please? Yep. Perfect. And how's your morning been so far? Been busy? Yeah. Oh, yeah. Well, I will try not to not to keep you for too long, Shannon. Do you have access to your emails at the moment? Yeah? Okay. Beautiful. Because what I have done is I have to send you an email with the recommendation, and it usually makes it a little bit easier if you can actually see it at the same time if you do have the option of doing so. Sure. Yes. Just now. Sometimes it ends up in the spam folder as well. Sometimes it can take a a few minutes. Let me see. So this has been sent two minutes ago on my end, so it could be on its way. Do nothing? Oh, perfect. Perfect. So you will see before you click on the link where it says sign now, you will see a couple of attachments at the bottom of that email. Can you see those? Yep. Now I won't go through all of them with you because, otherwise, I'll keep you here for a while, but that's just that's essentially where all the research and everything goes. So all their corresponding products disclosure statement through everything is there. I have also included the appendix with some alternatives for you as well. But if you yes. Yes. So with the appendix. So you should say that one of the attachment is an appendix, and there is a couple of alternatives in the appendix. But I'll go through the actual recommendation first, and then I will show you the couple of alternatives in there. Yep. Yep. Yep. That one. Yep. That's that one. But what I will get you to have a look at that later because I wanna go through the actual recommendations first, but then the appendix is the one I do wanna refer back through after. But if you could click on the link where it says sign now. Now it won't get you to sign right away. It will allow you to open up and view everything first. And when you click on it, it should show the first document first where it says statement of reply. Yeah. Perfect. Now this has been tailored specifically for you, and I have put together a strategy that I believe are going to achieve your goals and your objectives the best. But at the end of the day, Shannon, it is completely up to you. They are just recommendation. It is joy your choice at the end of the day whether you wanna take some of it, all of it, or none of it at the end of the day. Now you will yes. Yes. A bit of both. So what I would like to do is just run through the main points with you while I have you on the phone to pin point that, but then I will get you to have an opportunity to read over everything in your own time as well because it is quite long. So I don't wanna go through everything with you because you'll see it's it's about 40 pages, But I will kind of go through the main changes in the recommendation and why I have made them, and then I will let you through have an opportunity to read over everything. And if you have any questions afterwards, we can always do another catch up. Yep. Does that make sense? Yep. Yeah. So what I will do first is just kind of go through just my compliance point of view. On the cover page as well, you will also see my details listed. You will see my authorized representative number, and I am licensed under OQ Financial. Now to save you time, I will kind of skip through straight to the recommendation. But some of the pages that you will scroll through outlines the best interest duty, which essentially means that we have to act in your best interest at all time. The advice itself has to put you in a better position as a result of the advice. Otherwise, we can't actually make the recommendation. So a lot of that kind of wording is where you would have scrolled through. You would have also scrolled through a couple of pages talking about scope of advice. Just for your reference, what it is is referring back to the areas we are looking at today. So simply today, what we are looking at and what I have recommended is reviewing your superannuation to make sure that everything is set up correctly for you. I have also considered a couple of those industry low cost funds for you as a comparison as well as well as with your insurances canceling your income protection and keeping your life and PPD for the time being. Does that make sense? Yeah. Yep. Yeah. So on page on page nine, is that it? Yeah. Beautiful. This is what you currently have. So this is current Correct. So this includes All 3. Yes. Correct. So that is your life, which you can see here, 800 TPD, and income protection. So all three is 2,708 after the tax rebate. So that is what you are currently paying. Yep. Yes. So I have recommended that for you. Now do you want me to start with the insurances, or would you like me to start with the superannuation? Because superannuation, you scroll through first, but I can touch on this yeah. Okay. Perfect. That's how it comes. Yeah. Saves you having to scroll back and forth. But, essentially, after that, so page 10, you will just see a little bit of information in regards to that high growth portfolio again. So when we spoke last time, you said that you were quite comfortable to stay within the same risk profile. Your main concern. Okay. Okay. Mhmm. Mhmm. Mhmm. Yep. Mhmm. Yeah. No. And I I no. You totally make sense. And it is it is like that as well because when you do make when we make a change, especially when it comes to your superannuation, which is a little bit more about long term investment, We wanna make sure we keep it for for a longer period of time. You you wanna be proactive when it comes to the investments in the market, but at the same time, we don't also want to be, like, day trading or making too many changes. Because when you do make a change, unless there are structural issues in regards to one particular investment, you have to pay capital gains tax and transaction fees to do so. So we are then also considering the whole impact. And if it's a matter of let's sell right now to then potentially increase the risk later on, that's usually not the best idea if you have the time in the market because often trying to time the market fluctuation up and down is very hard. And when you are looking historically with the market and the people that are trying to buy and sell, like, buy high, sell low, and trying to time it to take advantage of that, it doesn't actually put you in a better position than if you just kind of maintain it as long as you have the time behind you, which you do at the moment. Does that make sense? Yes. Mhmm. Yep. Yep. Beautiful. Yeah. I'll make yes. Yep. Yeah. Yes. So we can definitely I'll make a little note because I have here as well that we'll touch base, obviously, every couple of months just to check-in and see how things are going. And I'll make a little note as well through okay. Mhmm. Of course. No. Correct. Yep. Yeah. I'm not gonna be like, oh, your under review is not up. Yeah. I'm not gonna quote you. No. It doesn't work like that. No. Yeah. Just communication. Yes. Yep. Mhmm. Mhmm. Yep. Make some changes. Yeah. And it totally totally makes sense. And so what I have recommended to make it easier is when you scroll through the pages, you will it's quite wild, David. It is so you have the opportunity later to read through everything so that you are fully informed. But it talks about what the actual recommendation is and why I have recommended it. I usually find that the easiest way to look at it as a starting point is to just kind of look at the numbers and how that will look like. So if you can scroll down to page 16 for me. 16. Yep. And it's 16. Yep. And you should have a table where it says fee comparison table. Can you see that? Yep. Now that basically puts all the numbers and everything into perspective. So you can see here your if you look at your the first situation first, which is your current. That shows you your current balance. It shows you your total fees currently. It shows you the insurance premium. It shows you the the total cost of your hub 24, but it also then shows you the return on your investments currently using a five year rolling average. Now we like to use a five year rolling average because it gives us a little bit more certainty of what has happened in the market and the world. There's obviously no guarantee with investment, but that is why we prefer to use five years. Because if I use twelve months, depending on when I were to use it, some years, it would have looked like you've won the lottery. Other years, not so great. So having a five year time frame of averaging it out gives us a little bit more certainty. Does that make sense, Shannon? Yep. Now what I no. I was like, what I have recommended, it is staying in hub twenty four. Now I did consider a lot of different other alternatives for you. So I considered other kind of comparison options to hub twenty four when it comes to the sophistication, but also the investment choices and flexibilities in constructing the portfolio. But what I also considered is the the kind of top rated industry funds as well. So I considered AustralianSuper, AwareSuper, and Host Plus for you, which is in the appendix later just so that you can see the alternative. Because I know, obviously, fees and everything was a you know, is obviously a factor. So part of the Correct. Yeah. Mhmm. Yep. Then there's something more going on. Yeah. Yes. Yeah. Yeah. And and it has to be worth it, and I completely get that. So if you are paying a little bit more in fees, you obviously wanna make sure that at net of everything, it pays off. Exactly. Exactly. Mhmm. Unless it pays off. Yep. Yeah. So Yeah. Yeah. Yep. Yes. Yep. What's going on? Yep. Yep. Yeah. Of course. And there's a lot. No worry. I'm not I'm and that's and that's fine. And I definitely want you to take your time to go through it. Now some of the points I do wanna point out just so that you are aware, you can obviously see that I have made a recommendation to move to the SMA. Do you remember us talking briefly about yes. So I did consider not SMA a lot of different options. So the obviously, the benefit with the SMA is that flexibility with the investment choices, and we can be more proactive because you don't have the same process when it comes to going through things. So that's what makes it really good. But at the same time, I wanted to make sure that, well, is it going to be cheaper for you, and is it going to perform better? Because, otherwise, just having that flexibility, which, yes, in the future, especially with everything going on in the market, it allows us to do that. But I need to factor in everything, not just that. And in doing it, it you can see here that it is actually a bit cheaper for you. So it is reducing the cost. 87. Yep. That is a excellent question. So you can see the difference there of about 700 and 14. No. That's the capital gains tax. So, obviously, by changing investments, when you are selling investments that have gone up, you have to pay capital gains tax on the earnings. Now I've tried to minimize that as much as possible, and it does fluctuate on a daily, obviously, with market prices, but it is estimated at around 714. Now just for your reference, when I considered going through Australian SuperAway Superhost Plus, that would obviously be a full sell down of everything. The capital gains tax is estimated at around 1,444 just so that you have that comparison. So when you no. It's pretty good. It's a it's a combination of swapping the investments in a tax effective way. So if I also, some of your good investments at the moment are also in the SMA. So, obviously, when you do just, like, a a swap over, then you don't have to pay capital gains tax on everything. So it is a bit of a combination. So it is good in that way that you don't have to pay too much, but it is something I do wanna let you know, and I'm very glad that you pointed out that is the difference. Mhmm. Yes. Exactly. Now with the SMA is that because you kind of invested in the the SMA high growth option, if you don't have to state that we have a lot of different SMAs, a lot of different configurations. So, actually, if you first scroll down to page 17, you can see it kind of just projected five and ten years forward. Now that factors in everything. So it factors in adviser fees. It factors in insurances, the capital gains tax, everything. But it shows you also that the the little improvement in the return along with the reduction in the space, it does compound for you. Now that is also assuming no contribution, so you're not putting anything into a super either. Because of yeah. Which is a which is a great question because of the fees. Because the fees at the moment, and you don't have anything going in. So the return on your investments are growing, but you obviously have fees coming out. Because you don't have any contributions going into super as well, that's why, which is, obviously, when we look at it, the return has been yeah. So so I don't recommend staying, which is which is why the underviews and I'm very glad you did, you know, obviously, speak to me during the underview and allow me to do this so we can then make changes and not just kind of lead it. Because because with the market, it it's such a fluid thing as well. Right? So it's like, what is best for you when you came on board even a year ago to today is always changing. So we wanna make sure we we keep changing things because the market things are changing. No one knew about all the tariffs that Trump, you know, decided. No one knew about the war, and no one knew about COVID. Like, there's a lot of things happening. So that's why we always it's not a, like, a sudden forget thing, which another kind of plus with the SMA is that it allows us to be a bit more proactive in that way. Now for your yes. Mhmm. Mhmm. Correct. Correct. Yep. And and that's the and, yeah, and and that's the thing now. If at any point in time your situation changed or you guys have spare money and you want to put anything, obviously, the more the more because it's return on your investments. Right? So the more money you have invested, the higher those are gonna get. So yep. What to do? Yep. Yes. Yeah. Mhmm. Correct. Correct. So if you so the recommendation factors in canceling your income protection, not your life and PPD. Yeah. That includes all all three because that is your current situation. So that is if you were to just leave it and make no changes. Yes. Mhmm. Mhmm. Mhmm. It's showing the whole yeah. So what I can what I can do for you so if you scroll up to page 16, which is that is obviously your current versus the recommended. You can see the changes in the premium. What I can do for you, though, is I can get the team to draw up, and I can send it in a separate email to you. Just this table here, but having the premiums the same. So I can have your current situation, but with the same insurances. So assuming we cancel income protection, if and then just have the same so that you can see the compounding for that. Yeah. I can get that emailed to you. It does make a a difference still, though, considering you're not putting anything in. Obviously, the more you put in, the the bigger difference. So, obviously, that's kind of it just letting it do its thing without you putting any money in. So it's it still makes a pretty like, if you think about it, you don't put any extra money in. It's just kind of by making the change, it just grows by itself. So it's it's still pretty. No. Sorry. What I'll do is I will be more than happy to get the team through draft and just email that to you just in a separate email. And I will have the insurance premium the same at $1.06 $3.06 and show you everything else the same just so that you can see the difference. Now in the appendix later, which is those comparisons for SuperAware and Hostplus, I have done everything exactly the same. So I have done yeah. No. That's okay. I've done insurance premiums the same. I've obviously assumed no adviser fee because if you do move to Australian Super, for example, you're not paying adviser fee. So it is showing everything. When you have a look at it and the starting balance is a bit less, it is because of that capital gains tax that would come out if you decide to do a full sell down. Mhmm. Correct. So we show you yes. Correct. So we show you a yearly fee here, but it's not like a one lump sum that comes out once a year, and that's it. It is divided and correct, but it also gives you that flexibility. So first of all, it makes it more fair to you because it is because, obviously, your partner is your client. It is reduced to 1.1. So it is a percentage of your balance. So with market fluctuations, by doing it monthly, it makes it more fair to you with the fluctuations in the market than if we were to do, like, a one off fee. If the market was, like, super high at that time, it obviously makes it more fair by doing it monthly, but it also gives you more flexibility because it is not a lock in contract. So even if you were to go, okay. You better go. Correct. That all takes you the flexibility so you don't have to, like, sign up for a full twelve months. So if you are like, okay. Yeah. So yep. Still that. Yep. Yeah. Yes. I think it is. Yeah. Especially if it's a twelve month commitment. It's a lot more than a twelve month. And it doesn't even have to as in a monthly. It doesn't have to be monthly. If you after if you give it two weeks, you guys know. Like, there's no exit fees. There's no lock in contracts. There is nothing like that. So it is mhmm. Yep. Of of your balance of your balance. Now when you came on board and I'll just wanna get the SOA up. Sorry. When you came on board, you are correct. There would have been an upfront advice fee. That is basically to come on board. Now there was also the ongoing fee. So the ongoing fee would have always been there. And, hopefully, they did explain that to you at the time because I know you said you weren't communicated. Okay. Yeah. It's up there. It is up yeah. Mhmm. Yeah. Yeah. Yeah. Yeah. Yeah. And and no. And I hear you. No. It totally makes sense. And I guess also because it is of your balance. Right? So it kind of still goes back through to that that it it's not a performance fee, but it is a percentage of your balance. Now the more your super balance grows, the more you have in super, obviously, more money for you, but also we get paid more. So it is not still mutual beneficial that, yes, it is of your whole balance, but the more balance you have, obviously, the higher the fee. So it is still that kind of incentive in trying to grow your super as much as possible at the same time. But then, like, for for me, right, I don't get I don't get commissions. I don't get anything. Like, I it's just it's like a flat salary. Right? So my job is not to sell you on anything. My job is to help educate you. My job is to help make the best recommendations for you, whatever that might be. Now I don't get incentivized in any way, shape, or form in how that is. Does that make sense? So it's like, it's not my job to sell. It's to act in your best interest and do everything for you at the end of the day. Yeah. Yep. Mhmm. Yeah. Yeah. Yeah. Mhmm. There's a lot more red no. But there's a lot more red tape on the industry than what it used to be, a 100 percent. Yes. Oh, it used to be not great? Yep. Mhmm. Yeah. Yeah. And if you don't know about it and a lot of those funds set it up automatically. It's like a default thing, so you don't even apply for the cover. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. But you learn about history and everything else. So yeah. Yeah. Yeah. A bit more relative stuff. Yeah. Mhmm. Like, compulsory thing. Yeah. Mhmm. Mhmm. Yeah. Like, physics and all that. Yeah. No. I agree. Yeah. Man. Yes. Yeah. Yeah. So much has changed. Yeah. No. Yep. Yep. Yep. Yes. Mhmm. Yeah. Mhmm. Yeah. Yeah. Mhmm. Mhmm. And at the same time, if you're not getting the communication right, because it's like it's what you touched on earlier where it's like when the market as a whole is seeing fluctuations. Like, during COVID, everything was fluctuating. When the war happened, everything fluctuates. So it's not like it's, like, one bad investment. It's just the market as a whole. But if no one communicates and helps educate, then how would you know? You know? Mhmm. Yes. Mhmm. Yeah. Yeah. Mhmm. Yes. Yes. Yeah. Yes. 100%. Mhmm. Yes. No. Especially even social media. Even, like, chat to HAP, they they tend to sometimes be biased. You know, you have to be really careful because it is very selective. A 100%. Yeah. Of course. No. I'm glad you do. I don't want you to jump. I don't want you to just be like, yeah. Cool. Sign. Because at the same time, we also have to there's a lot of code of ethics that an adviser has to follow. And part of it is making sure that you are making an informed decision for yourself. And if I spend fifteen minutes on the phone with you and you sign something right away and don't ask me any questions whatsoever and don't give me any indication that you understand what I'm talking about, then I'm also failing because I need to make sure that you make the informed decision for yourself at the end of the day. Yep. Mhmm. Yeah. Mhmm. Yeah. Yeah. Yeah. Yep. Yeah. Yeah. In a good position. Mhmm. Yeah. Mhmm. Yeah. Yeah. And they're they're so valid because I have so many clients in a similar situation and a lot less. And they're like, well, it wasn't a thing when I was younger. Like, it's just and it's only now, and it's like, well, now it's kind of like yeah. Like, it's never too late, but it's it's not gonna compound. It's not gonna grow as much. So, of course, it's it's you know, it it is frightening. And that's also why the little changes make a difference because, yeah, it might not see as massive. You know, another last thing yes. Yes. Yeah. Mhmm. Yep. Yes. Correct. And it's still growing. It's still compounding. So the more you have, the bigger the difference of the return. That the last thing I do wanna let you know, Shannon, before I let you go, which you will read through the document later, is then the change in the insurances. So like we touched on earlier, I have recommended that you cancel the income protection. That will reduce the premium to 1,635. So it does make it quite a bit cheaper. Now as an alternative in the appendix, because I know we spoke about it, but you weren't really sure, obviously, until you've spoken to Craig, is to reduce life and TPD further to just cover the mortgage. So I have showed you an alternative in the appendix where you have the price, and then you can go and decide what you want to do. You can speak to Craig, and you can let me know. Correct. Now what I have done, just so that you know, is that for lie for TPD, not for life, but for TPD, if you get paid out the the benefits, then there are tax consequences as well. If you are over 60, it's tax free. If you're 60, it can be taxed for up to 22%. So what I have yes. So what I have done for the Tax. Yay. Mhmm. Mhmm. Pay the tax. So not for life because as long as that gets paid through, like, your spouse, paid tax rate. The TPD, because it gets paid to you, is under 22%. So what I have done just to make sure the mortgage is covered after tax is I've grossed that up. So when you look at the quote and you see 427 and you go, well, that's not my mortgage. It's just grossed up because of the tax. So if you were to take out the policy before 60 tax come out, I want you to have left enough to pay for the mortgage. Now, obviously, if it is you wanna reduce it further, it's there. But the choice is yours, and it is reducing it further to about $917 a year for both life and PPD. So it yeah. So so so, yeah, so that is with income protection. So if you just leave it life and TPD the same and you don't make any changes, so if you leave it at 871, it's 1,635 versus 9 17. Yeah. And this is yeah. Yep. Mhmm. Yep. Yeah. Yeah. Yep. Of course. Financially. Yes. Yes. Yep. Let's look back. Yeah. Yep. Yep. Yep. Yeah. And it covers the mortgage, then you don't have to worry about the mortgage. But it's also, you know, if something were to happen to you. So it's it's also if something were to happen to you and you can't, you know, do anything, basically, then you might need you might need obviously, you might wanna have the mortgage paid off. But then, also, obviously, because Craig's still working, but there might be more costs associated if you needed more medical assistance, whether you needed to make modifications to the home, like, those kind of things, whether you needed more assistance for the kids, anything like that. So it it's for both. No. No. That's okay. Correct. Yes. Correct. 100 percent. Sorry. The TCG, total permanent disability. That's why so the process goes from it's massive, but it's there for you to read as well. So you can definitely take your time. The recommendation is still valid. Let me triple check because I'm telling you the right thing. I think it's still valid for another thirty days. So you have some time to think about it. Obviously, speak to Craig as well what you wanna do. Okay. Good. Beautiful. Yes. Yes. So, yes, it is valid until the July 27. So no pressure. Take your time. In the appendix, like I said, you have the alternative for the insurances. Now if you guys have a read through the document, you have any other questions, just give me a call and we can book you in for a catch up. If you read through everything and you go, okay. I'm happy with it for the time being, but I would like to go ahead with that reduction of life and TTD. In the document, in the actual statement of advice, there will be a text box. Now that text box allow you to type anything. So you can type there. For example, I would prefer to reduce my life and PPD. You can type whatever you want, and that tells me that you want that option. But if you get stuck, just call me, and I can guide you to it. Yes. What for the pre insurances. So insurances is a yearly, but what they do is they can also pro rata. So let's say, when when it comes out, if you let's say, you pay for twelve months, but let's say after two two months in, you go, no. I'm reducing the cover. They will then refund you for the rest of the ten months. So it's not like that time sensitive in that way unless you go so they go back to yes. Yeah. Yep. No. No. No. It's not. Yes. Good question, though. But no. You can take the time. It was a very good question, though. But no. You can take your time. So all the information is there. Now I will leave that with you and Craig. Would you like me to set up a time to call you back, or do you wanna just take your time, have a bit of a read over it, and then let me know how you go? And, otherwise, I'll get my colleague, Whitlam, to touch base in a couple of days just to check-in. Yes. Yep. Beautiful. Yep. Yep. Yep. Yes. Yep. I will call you. Yes. Yes. I will. I will. No worries. Now thank you so much, Shannon. Anything at any point in time, just call me. Okay? No. That's fine. Everyone does it. It's more common. So that's fine. All good, Shannon. No worries. We'll speak soon. Bye. 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Oakview Financial. Good afternoon. This is Shannon. This is Veronica from OC Financial. How are you?\n\nGood. Thanks. I had you booked in to go over the the research I did on your superannuation. Is now still a good time? Yeah.\n\nPerfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Perfect. And just for security purposes, just so that I can confirm I am speaking with the right person, can I just get you to confirm your full name, date of birth, and address, please? Yep.\n\nPerfect. And how's your morning been so far? Been busy? Yeah. Oh, yeah.\n\nWell, I will try not to not to keep you for too long, Shannon. Do you have access to your emails at the moment? Yeah? Okay. Beautiful.\n\nBecause what I have done is I have to send you an email with the recommendation, and it usually makes it a little bit easier if you can actually see it at the same time if you do have the option of doing so. Sure. Yes. Just now. Sometimes it ends up in the spam folder as well.\n\nSometimes it can take a a few minutes. Let me see. So this has been sent two minutes ago on my end, so it could be on its way. Do nothing? Oh, perfect.\n\nPerfect. So you will see before you click on the link where it says sign now, you will see a couple of attachments at the bottom of that email. Can you see those? Yep. Now I won't go through all of them with you because, otherwise, I'll keep you here for a while, but that's just that's essentially where all the research and everything goes.\n\nSo all their corresponding products disclosure statement through everything is there. I have also included the appendix with some alternatives for you as well. But if you yes. Yes. So with the appendix.\n\nSo you should say that one of the attachment is an appendix, and there is a couple of alternatives in the appendix. But I'll go through the actual recommendation first, and then I will show you the couple of alternatives in there. Yep. Yep. Yep.\n\nThat one. Yep. That's that one. But what I will get you to have a look at that later because I wanna go through the actual recommendations first, but then the appendix is the one I do wanna refer back through after. But if you could click on the link where it says sign now.\n\nNow it won't get you to sign right away. It will allow you to open up and view everything first. And when you click on it, it should show the first document first where it says statement of reply. Yeah. Perfect.\n\nNow this has been tailored specifically for you, and I have put together a strategy that I believe are going to achieve your goals and your objectives the best. But at the end of the day, Shannon, it is completely up to you. They are just recommendation. It is joy your choice at the end of the day whether you wanna take some of it, all of it, or none of it at the end of the day. Now you will yes.\n\nYes. A bit of both. So what I would like to do is just run through the main points with you while I have you on the phone to pin point that, but then I will get you to have an opportunity to read over everything in your own time as well because it is quite long. So I don't wanna go through everything with you because you'll see it's it's about 40 pages, But I will kind of go through the main changes in the recommendation and why I have made them, and then I will let you through have an opportunity to read over everything. And if you have any questions afterwards, we can always do another catch up.\n\nYep. Does that make sense? Yep. Yeah. So what I will do first is just kind of go through just my compliance point of view.\n\nOn the cover page as well, you will also see my details listed. You will see my authorized representative number, and I am licensed under OQ Financial. Now to save you time, I will kind of skip through straight to the recommendation. But some of the pages that you will scroll through outlines the best interest duty, which essentially means that we have to act in your best interest at all time. The advice itself has to put you in a better position as a result of the advice.\n\nOtherwise, we can't actually make the recommendation. So a lot of that kind of wording is where you would have scrolled through. You would have also scrolled through a couple of pages talking about scope of advice. Just for your reference, what it is is referring back to the areas we are looking at today. So simply today, what we are looking at and what I have recommended is reviewing your superannuation to make sure that everything is set up correctly for you.\n\nI have also considered a couple of those industry low cost funds for you as a comparison as well as well as with your insurances canceling your income protection and keeping your life and PPD for the time being. Does that make sense? Yeah. Yep. Yeah.\n\nSo on page on page nine, is that it? Yeah. Beautiful. This is what you currently have. So this is current Correct.\n\nSo this includes All 3. Yes. Correct. So that is your life, which you can see here, 800 TPD, and income protection. So all three is 2,708 after the tax rebate.\n\nSo that is what you are currently paying. Yep. Yes. So I have recommended that for you. Now do you want me to start with the insurances, or would you like me to start with the superannuation?\n\nBecause superannuation, you scroll through first, but I can touch on this yeah. Okay. Perfect. That's how it comes. Yeah.\n\nSaves you having to scroll back and forth. But, essentially, after that, so page 10, you will just see a little bit of information in regards to that high growth portfolio again. So when we spoke last time, you said that you were quite comfortable to stay within the same risk profile. Your main concern. Okay.\n\nOkay. Mhmm. Mhmm. Mhmm. Yep.\n\nMhmm. Yeah. No. And I I no. You totally make sense.\n\nAnd it is it is like that as well because when you do make when we make a change, especially when it comes to your superannuation, which is a little bit more about long term investment, We wanna make sure we keep it for for a longer period of time. You you wanna be proactive when it comes to the investments in the market, but at the same time, we don't also want to be, like, day trading or making too many changes. Because when you do make a change, unless there are structural issues in regards to one particular investment, you have to pay capital gains tax and transaction fees to do so. So we are then also considering the whole impact. And if it's a matter of let's sell right now to then potentially increase the risk later on, that's usually not the best idea if you have the time in the market because often trying to time the market fluctuation up and down is very hard.\n\nAnd when you are looking historically with the market and the people that are trying to buy and sell, like, buy high, sell low, and trying to time it to take advantage of that, it doesn't actually put you in a better position than if you just kind of maintain it as long as you have the time behind you, which you do at the moment. Does that make sense? Yes. Mhmm. Yep.\n\nYep. Beautiful. Yeah. I'll make yes. Yep.\n\nYeah. Yes. So we can definitely I'll make a little note because I have here as well that we'll touch base, obviously, every couple of months just to check-in and see how things are going. And I'll make a little note as well through okay. Mhmm.\n\nOf course. No. Correct. Yep. Yeah.\n\nI'm not gonna be like, oh, your under review is not up. Yeah. I'm not gonna quote you. No. It doesn't work like that.\n\nNo. Yeah. Just communication. Yes. Yep.\n\nMhmm. Mhmm. Yep. Make some changes. Yeah.\n\nAnd it totally totally makes sense. And so what I have recommended to make it easier is when you scroll through the pages, you will it's quite wild, David. It is so you have the opportunity later to read through everything so that you are fully informed. But it talks about what the actual recommendation is and why I have recommended it. I usually find that the easiest way to look at it as a starting point is to just kind of look at the numbers and how that will look like.\n\nSo if you can scroll down to page 16 for me. 16. Yep. And it's 16. Yep.\n\nAnd you should have a table where it says fee comparison table. Can you see that? Yep. Now that basically puts all the numbers and everything into perspective. So you can see here your if you look at your the first situation first, which is your current.\n\nThat shows you your current balance. It shows you your total fees currently. It shows you the insurance premium. It shows you the the total cost of your hub 24, but it also then shows you the return on your investments currently using a five year rolling average. Now we like to use a five year rolling average because it gives us a little bit more certainty of what has happened in the market and the world.\n\nThere's obviously no guarantee with investment, but that is why we prefer to use five years. Because if I use twelve months, depending on when I were to use it, some years, it would have looked like you've won the lottery. Other years, not so great. So having a five year time frame of averaging it out gives us a little bit more certainty. Does that make sense, Shannon?\n\nYep. Now what I no. I was like, what I have recommended, it is staying in hub twenty four. Now I did consider a lot of different other alternatives for you. So I considered other kind of comparison options to hub twenty four when it comes to the sophistication, but also the investment choices and flexibilities in constructing the portfolio.\n\nBut what I also considered is the the kind of top rated industry funds as well. So I considered AustralianSuper, AwareSuper, and Host Plus for you, which is in the appendix later just so that you can see the alternative. Because I know, obviously, fees and everything was a you know, is obviously a factor. So part of the Correct. Yeah.\n\nMhmm. Yep. Then there's something more going on. Yeah. Yes.\n\nYeah. Yeah. And and it has to be worth it, and I completely get that. So if you are paying a little bit more in fees, you obviously wanna make sure that at net of everything, it pays off. Exactly.\n\nExactly. Mhmm. Unless it pays off. Yep. Yeah.\n\nSo Yeah. Yeah. Yep. Yes. Yep.\n\nWhat's going on? Yep. Yep. Yeah. Of course.\n\nAnd there's a lot. No worry. I'm not I'm and that's and that's fine. And I definitely want you to take your time to go through it. Now some of the points I do wanna point out just so that you are aware, you can obviously see that I have made a recommendation to move to the SMA.\n\nDo you remember us talking briefly about yes. So I did consider not SMA a lot of different options. So the obviously, the benefit with the SMA is that flexibility with the investment choices, and we can be more proactive because you don't have the same process when it comes to going through things. So that's what makes it really good. But at the same time, I wanted to make sure that, well, is it going to be cheaper for you, and is it going to perform better?\n\nBecause, otherwise, just having that flexibility, which, yes, in the future, especially with everything going on in the market, it allows us to do that. But I need to factor in everything, not just that. And in doing it, it you can see here that it is actually a bit cheaper for you. So it is reducing the cost. 87.\n\nYep. That is a excellent question. So you can see the difference there of about 700 and 14. No. That's the capital gains tax.\n\nSo, obviously, by changing investments, when you are selling investments that have gone up, you have to pay capital gains tax on the earnings. Now I've tried to minimize that as much as possible, and it does fluctuate on a daily, obviously, with market prices, but it is estimated at around 714. Now just for your reference, when I considered going through Australian SuperAway Superhost Plus, that would obviously be a full sell down of everything. The capital gains tax is estimated at around 1,444 just so that you have that comparison. So when you no.\n\nIt's pretty good. It's a it's a combination of swapping the investments in a tax effective way. So if I also, some of your good investments at the moment are also in the SMA. So, obviously, when you do just, like, a a swap over, then you don't have to pay capital gains tax on everything. So it is a bit of a combination.\n\nSo it is good in that way that you don't have to pay too much, but it is something I do wanna let you know, and I'm very glad that you pointed out that is the difference. Mhmm. Yes. Exactly. Now with the SMA is that because you kind of invested in the the SMA high growth option, if you don't have to state that we have a lot of different SMAs, a lot of different configurations.\n\nSo, actually, if you first scroll down to page 17, you can see it kind of just projected five and ten years forward. Now that factors in everything. So it factors in adviser fees. It factors in insurances, the capital gains tax, everything. But it shows you also that the the little improvement in the return along with the reduction in the space, it does compound for you.\n\nNow that is also assuming no contribution, so you're not putting anything into a super either. Because of yeah. Which is a which is a great question because of the fees. Because the fees at the moment, and you don't have anything going in. So the return on your investments are growing, but you obviously have fees coming out.\n\nBecause you don't have any contributions going into super as well, that's why, which is, obviously, when we look at it, the return has been yeah. So so I don't recommend staying, which is which is why the underviews and I'm very glad you did, you know, obviously, speak to me during the underview and allow me to do this so we can then make changes and not just kind of lead it. Because because with the market, it it's such a fluid thing as well. Right? So it's like, what is best for you when you came on board even a year ago to today is always changing.\n\nSo we wanna make sure we we keep changing things because the market things are changing. No one knew about all the tariffs that Trump, you know, decided. No one knew about the war, and no one knew about COVID. Like, there's a lot of things happening. So that's why we always it's not a, like, a sudden forget thing, which another kind of plus with the SMA is that it allows us to be a bit more proactive in that way.\n\nNow for your yes. Mhmm. Mhmm. Correct. Correct.\n\nYep. And and that's the and, yeah, and and that's the thing now. If at any point in time your situation changed or you guys have spare money and you want to put anything, obviously, the more the more because it's return on your investments. Right? So the more money you have invested, the higher those are gonna get.\n\nSo yep. What to do? Yep. Yes. Yeah.\n\nMhmm. Correct. Correct. So if you so the recommendation factors in canceling your income protection, not your life and PPD. Yeah.\n\nThat includes all all three because that is your current situation. So that is if you were to just leave it and make no changes. Yes. Mhmm. Mhmm.\n\nMhmm. It's showing the whole yeah. So what I can what I can do for you so if you scroll up to page 16, which is that is obviously your current versus the recommended. You can see the changes in the premium. What I can do for you, though, is I can get the team to draw up, and I can send it in a separate email to you.\n\nJust this table here, but having the premiums the same. So I can have your current situation, but with the same insurances. So assuming we cancel income protection, if and then just have the same so that you can see the compounding for that. Yeah. I can get that emailed to you.\n\nIt does make a a difference still, though, considering you're not putting anything in. Obviously, the more you put in, the the bigger difference. So, obviously, that's kind of it just letting it do its thing without you putting any money in. So it's it still makes a pretty like, if you think about it, you don't put any extra money in. It's just kind of by making the change, it just grows by itself.\n\nSo it's it's still pretty. No. Sorry. What I'll do is I will be more than happy to get the team through draft and just email that to you just in a separate email. And I will have the insurance premium the same at $1.06 $3.06 and show you everything else the same just so that you can see the difference.\n\nNow in the appendix later, which is those comparisons for SuperAware and Hostplus, I have done everything exactly the same. So I have done yeah. No. That's okay. I've done insurance premiums the same.\n\nI've obviously assumed no adviser fee because if you do move to Australian Super, for example, you're not paying adviser fee. So it is showing everything. When you have a look at it and the starting balance is a bit less, it is because of that capital gains tax that would come out if you decide to do a full sell down. Mhmm. Correct.\n\nSo we show you yes. Correct. So we show you a yearly fee here, but it's not like a one lump sum that comes out once a year, and that's it. It is divided and correct, but it also gives you that flexibility. So first of all, it makes it more fair to you because it is because, obviously, your partner is your client.\n\nIt is reduced to 1.1. So it is a percentage of your balance. So with market fluctuations, by doing it monthly, it makes it more fair to you with the fluctuations in the market than if we were to do, like, a one off fee. If the market was, like, super high at that time, it obviously makes it more fair by doing it monthly, but it also gives you more flexibility because it is not a lock in contract. So even if you were to go, okay.\n\nYou better go. Correct. That all takes you the flexibility so you don't have to, like, sign up for a full twelve months. So if you are like, okay. Yeah.\n\nSo yep. Still that. Yep. Yeah. Yes.\n\nI think it is. Yeah. Especially if it's a twelve month commitment. It's a lot more than a twelve month. And it doesn't even have to as in a monthly.\n\nIt doesn't have to be monthly. If you after if you give it two weeks, you guys know. Like, there's no exit fees. There's no lock in contracts. There is nothing like that.\n\nSo it is mhmm. Yep. Of of your balance of your balance. Now when you came on board and I'll just wanna get the SOA up. Sorry.\n\nWhen you came on board, you are correct. There would have been an upfront advice fee. That is basically to come on board. Now there was also the ongoing fee. So the ongoing fee would have always been there.\n\nAnd, hopefully, they did explain that to you at the time because I know you said you weren't communicated. Okay. Yeah. It's up there. It is up yeah.\n\nMhmm. Yeah. Yeah. Yeah. Yeah.\n\nYeah. And and no. And I hear you. No. It totally makes sense.\n\nAnd I guess also because it is of your balance. Right? So it kind of still goes back through to that that it it's not a performance fee, but it is a percentage of your balance. Now the more your super balance grows, the more you have in super, obviously, more money for you, but also we get paid more. So it is not still mutual beneficial that, yes, it is of your whole balance, but the more balance you have, obviously, the higher the fee.\n\nSo it is still that kind of incentive in trying to grow your super as much as possible at the same time. But then, like, for for me, right, I don't get I don't get commissions. I don't get anything. Like, I it's just it's like a flat salary. Right?\n\nSo my job is not to sell you on anything. My job is to help educate you. My job is to help make the best recommendations for you, whatever that might be. Now I don't get incentivized in any way, shape, or form in how that is. Does that make sense?\n\nSo it's like, it's not my job to sell. It's to act in your best interest and do everything for you at the end of the day. Yeah. Yep. Mhmm.\n\nYeah. Yeah. Yeah. Mhmm. There's a lot more red no.\n\nBut there's a lot more red tape on the industry than what it used to be, a 100 percent. Yes. Oh, it used to be not great? Yep. Mhmm.\n\nYeah. Yeah. And if you don't know about it and a lot of those funds set it up automatically. It's like a default thing, so you don't even apply for the cover. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nBut you learn about history and everything else. So yeah. Yeah. Yeah. A bit more relative stuff.\n\nYeah. Mhmm. Like, compulsory thing. Yeah. Mhmm.\n\nMhmm. Yeah. Like, physics and all that. Yeah. No.\n\nI agree. Yeah. Man. Yes. Yeah.\n\nYeah. So much has changed. Yeah. No. Yep.\n\nYep. Yep. Yes. Mhmm. Yeah.\n\nMhmm. Yeah. Yeah. Mhmm. Mhmm.\n\nAnd at the same time, if you're not getting the communication right, because it's like it's what you touched on earlier where it's like when the market as a whole is seeing fluctuations. Like, during COVID, everything was fluctuating. When the war happened, everything fluctuates. So it's not like it's, like, one bad investment. It's just the market as a whole.\n\nBut if no one communicates and helps educate, then how would you know? You know? Mhmm. Yes. Mhmm.\n\nYeah. Yeah. Mhmm. Yes. Yes.\n\nYeah. Yes. 100%. Mhmm. Yes.\n\nNo. Especially even social media. Even, like, chat to HAP, they they tend to sometimes be biased. You know, you have to be really careful because it is very selective. A 100%.\n\nYeah. Of course. No. I'm glad you do. I don't want you to jump.\n\nI don't want you to just be like, yeah. Cool. Sign. Because at the same time, we also have to there's a lot of code of ethics that an adviser has to follow. And part of it is making sure that you are making an informed decision for yourself.\n\nAnd if I spend fifteen minutes on the phone with you and you sign something right away and don't ask me any questions whatsoever and don't give me any indication that you understand what I'm talking about, then I'm also failing because I need to make sure that you make the informed decision for yourself at the end of the day. Yep. Mhmm. Yeah. Mhmm.\n\nYeah. Yeah. Yeah. Yep. Yeah.\n\nYeah. In a good position. Mhmm. Yeah. Mhmm.\n\nYeah. Yeah. And they're they're so valid because I have so many clients in a similar situation and a lot less. And they're like, well, it wasn't a thing when I was younger. Like, it's just and it's only now, and it's like, well, now it's kind of like yeah.\n\nLike, it's never too late, but it's it's not gonna compound. It's not gonna grow as much. So, of course, it's it's you know, it it is frightening. And that's also why the little changes make a difference because, yeah, it might not see as massive. You know, another last thing yes.\n\nYes. Yeah. Mhmm. Yep. Yes.\n\nCorrect. And it's still growing. It's still compounding. So the more you have, the bigger the difference of the return. That the last thing I do wanna let you know, Shannon, before I let you go, which you will read through the document later, is then the change in the insurances.\n\nSo like we touched on earlier, I have recommended that you cancel the income protection. That will reduce the premium to 1,635. So it does make it quite a bit cheaper. Now as an alternative in the appendix, because I know we spoke about it, but you weren't really sure, obviously, until you've spoken to Craig, is to reduce life and TPD further to just cover the mortgage. So I have showed you an alternative in the appendix where you have the price, and then you can go and decide what you want to do.\n\nYou can speak to Craig, and you can let me know. Correct. Now what I have done, just so that you know, is that for lie for TPD, not for life, but for TPD, if you get paid out the the benefits, then there are tax consequences as well. If you are over 60, it's tax free. If you're 60, it can be taxed for up to 22%.\n\nSo what I have yes. So what I have done for the Tax. Yay. Mhmm. Mhmm.\n\nPay the tax. So not for life because as long as that gets paid through, like, your spouse, paid tax rate. The TPD, because it gets paid to you, is under 22%. So what I have done just to make sure the mortgage is covered after tax is I've grossed that up. So when you look at the quote and you see 427 and you go, well, that's not my mortgage.\n\nIt's just grossed up because of the tax. So if you were to take out the policy before 60 tax come out, I want you to have left enough to pay for the mortgage. Now, obviously, if it is you wanna reduce it further, it's there. But the choice is yours, and it is reducing it further to about $917 a year for both life and PPD. So it yeah.\n\nSo so so, yeah, so that is with income protection. So if you just leave it life and TPD the same and you don't make any changes, so if you leave it at 871, it's 1,635 versus 9 17. Yeah. And this is yeah. Yep.\n\nMhmm. Yep. Yeah. Yeah. Yep.\n\nOf course. Financially. Yes. Yes. Yep.\n\nLet's look back. Yeah. Yep. Yep. Yep.\n\nYeah. And it covers the mortgage, then you don't have to worry about the mortgage. But it's also, you know, if something were to happen to you. So it's it's also if something were to happen to you and you can't, you know, do anything, basically, then you might need you might need obviously, you might wanna have the mortgage paid off. But then, also, obviously, because Craig's still working, but there might be more costs associated if you needed more medical assistance, whether you needed to make modifications to the home, like, those kind of things, whether you needed more assistance for the kids, anything like that.\n\nSo it it's for both. No. No. That's okay. Correct.\n\nYes. Correct. 100 percent. Sorry. The TCG, total permanent disability.\n\nThat's why so the process goes from it's massive, but it's there for you to read as well. So you can definitely take your time. The recommendation is still valid. Let me triple check because I'm telling you the right thing. I think it's still valid for another thirty days.\n\nSo you have some time to think about it. Obviously, speak to Craig as well what you wanna do. Okay. Good. Beautiful.\n\nYes. Yes. So, yes, it is valid until the July 27. So no pressure. Take your time.\n\nIn the appendix, like I said, you have the alternative for the insurances. Now if you guys have a read through the document, you have any other questions, just give me a call and we can book you in for a catch up. If you read through everything and you go, okay. I'm happy with it for the time being, but I would like to go ahead with that reduction of life and TTD. In the document, in the actual statement of advice, there will be a text box.\n\nNow that text box allow you to type anything. So you can type there. For example, I would prefer to reduce my life and PPD. You can type whatever you want, and that tells me that you want that option. But if you get stuck, just call me, and I can guide you to it.\n\nYes. What for the pre insurances. So insurances is a yearly, but what they do is they can also pro rata. So let's say, when when it comes out, if you let's say, you pay for twelve months, but let's say after two two months in, you go, no. I'm reducing the cover.\n\nThey will then refund you for the rest of the ten months. So it's not like that time sensitive in that way unless you go so they go back to yes. Yeah. Yep. No.\n\nNo. No. It's not. Yes. Good question, though.\n\nBut no. You can take the time. It was a very good question, though. But no. You can take your time.\n\nSo all the information is there. Now I will leave that with you and Craig. Would you like me to set up a time to call you back, or do you wanna just take your time, have a bit of a read over it, and then let me know how you go? And, otherwise, I'll get my colleague, Whitlam, to touch base in a couple of days just to check-in. Yes.\n\nYep. Beautiful. Yep. Yep. Yep.\n\nYes. Yep. I will call you. Yes. Yes.\n\nI will. I will. No worries. Now thank you so much, Shannon. Anything at any point in time, just call me.\n\nOkay? No. That's fine. Everyone does it. It's more common.\n\nSo that's fine. All good, Shannon. No worries. We'll speak soon. Bye.\n\nBye.","paragraphs":[{"sentences":[{"text":"Veronica, Oakview Financial.","start":6.3199997,"end":8.18,"sentiment":"neutral","sentiment_score":0.03278442844748497},{"text":"Good afternoon.","start":25.95,"end":26.67,"sentiment":"neutral","sentiment_score":0.22100615501403809},{"text":"This is Shannon.","start":26.67,"end":27.490002,"sentiment":"neutral","sentiment_score":0.12996520350376764},{"text":"This is Veronica from OC Financial.","start":29.310001,"end":31.41,"sentiment":"neutral","sentiment_score":0.1098086064060529},{"text":"How are you?","start":31.550001,"end":32.370003,"sentiment":"neutral","sentiment_score":0.10582428177197774}],"sentiment":"neutral","sentiment_score":0.11215209939024028,"num_words":17,"start":6.3199997,"end":32.370003},{"sentences":[{"text":"Good.","start":34.91,"end":35.41,"sentiment":"positive","sentiment_score":0.41493749618530273},{"text":"Thanks.","start":35.47,"end":35.97,"sentiment":"positive","sentiment_score":0.5482492446899414},{"text":"I had you booked in to go over the the research I did on your superannuation.","start":38.225002,"end":42.965,"sentiment":"neutral","sentiment_score":0.1973157161846757},{"text":"Is now still a good time?","start":43.185,"end":44.565002,"sentiment":"neutral","sentiment_score":0.10987413674592972},{"text":"Yeah.","start":45.665,"end":46.165,"sentiment":"neutral","sentiment_score":0.17818307876586914}],"sentiment":"neutral","sentiment_score":0.1983066439628601,"num_words":25,"start":34.91,"end":46.165},{"sentences":[{"text":"Perfect.","start":47.345,"end":47.845,"sentiment":"positive","sentiment_score":0.3877494931221008},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":48.305,"end":55.95,"sentiment":"neutral","sentiment_score":0.03032551230541591},{"text":"Perfect.","start":57.69,"end":58.19,"sentiment":"neutral","sentiment_score":0.2786619961261749},{"text":"And just for security purposes, just so that I can confirm I am speaking with the right person, can I just get you to confirm your full name, date of birth, and address, please?","start":58.329998,"end":67.15,"sentiment":"neutral","sentiment_score":0.08657945035135045},{"text":"Yep.","start":77.015,"end":77.515,"sentiment":"neutral","sentiment_score":0.08770161867141724}],"sentiment":"neutral","sentiment_score":0.06935233752610105,"num_words":66,"start":47.345,"end":77.515},{"sentences":[{"text":"Perfect.","start":77.575,"end":78.075,"sentiment":"neutral","sentiment_score":0.23000408709049225},{"text":"And how's your morning been so far?","start":78.215,"end":79.815,"sentiment":"neutral","sentiment_score":0.08451229121003832},{"text":"Been busy?","start":79.815,"end":80.555,"sentiment":"neutral","sentiment_score":0.03195033362135291},{"text":"Yeah.","start":82.18,"end":82.68,"sentiment":"neutral","sentiment_score":0.05337002873420715},{"text":"Oh, yeah.","start":90.26,"end":91.16,"sentiment":"neutral","sentiment_score":0.004783007316291332}],"sentiment":"neutral","sentiment_score":0.0729559104746351,"num_words":13,"start":77.575,"end":91.16},{"sentences":[{"text":"Well, I will try not to not to keep you for too long, Shannon.","start":91.94,"end":95.96,"sentiment":"neutral","sentiment_score":0.003929467472646918},{"text":"Do you have access to your emails at the moment?","start":97.814995,"end":100.235,"sentiment":"neutral","sentiment_score":-0.005371528584510088},{"text":"Yeah?","start":102.215,"end":102.695,"sentiment":"neutral","sentiment_score":0.010656876489520071},{"text":"Okay.","start":102.695,"end":103.195,"sentiment":"neutral","sentiment_score":0.02031162939965725},{"text":"Beautiful.","start":103.335,"end":103.835,"sentiment":"neutral","sentiment_score":0.2580423653125763}],"sentiment":"neutral","sentiment_score":0.010752152961989244,"num_words":27,"start":91.94,"end":103.835},{"sentences":[{"text":"Because what I have done is I have to send you an email with the recommendation, and it usually makes it a little bit easier if you can actually see it at the same time if you do have the option of doing so.","start":105.174995,"end":117.88,"sentiment":"neutral","sentiment_score":0.09077755751257593},{"text":"Sure.","start":122.755005,"end":123.255005,"sentiment":"neutral","sentiment_score":0.01883036643266678},{"text":"Yes.","start":147.345,"end":147.745,"sentiment":"neutral","sentiment_score":-0.04715067893266678},{"text":"Just now.","start":147.745,"end":148.305,"sentiment":"neutral","sentiment_score":-0.07031166180968285},{"text":"Sometimes it ends up in the spam folder as well.","start":148.305,"end":151.20499,"sentiment":"neutral","sentiment_score":-0.1378248803317547}],"sentiment":"neutral","sentiment_score":0.042190001570972906,"num_words":58,"start":105.174995,"end":151.20499},{"sentences":[{"text":"Sometimes it can take a a few minutes.","start":155.58499,"end":158.325,"sentiment":"neutral","sentiment_score":-0.006764185382053256},{"text":"Let me see.","start":158.625,"end":159.605,"sentiment":"neutral","sentiment_score":0.01632611422489087},{"text":"So this has been sent two minutes ago on my end, so it could be on its way.","start":162.7,"end":168.88,"sentiment":"neutral","sentiment_score":0.13257824670937327},{"text":"Do nothing?","start":176.235,"end":176.975,"sentiment":"neutral","sentiment_score":-0.12334069609642029},{"text":"Oh, perfect.","start":179.995,"end":181.615,"sentiment":"positive","sentiment_score":0.5005997866392136}],"sentiment":"neutral","sentiment_score":0.09502398428704703,"num_words":33,"start":155.58499,"end":181.615},{"sentences":[{"text":"Perfect.","start":188.41,"end":188.91,"sentiment":"positive","sentiment_score":0.5435841679573059},{"text":"So you will see before you click on the link where it says sign now, you will see a couple of attachments at the bottom of that email.","start":188.97,"end":197.61,"sentiment":"neutral","sentiment_score":0.11072507474039282},{"text":"Can you see those?","start":197.61,"end":198.67,"sentiment":"neutral","sentiment_score":0.053898006677627563},{"text":"Yep.","start":198.915,"end":199.415,"sentiment":"neutral","sentiment_score":0.08480587601661682},{"text":"Now I won't go through all of them with you because, otherwise, I'll keep you here for a while, but that's just that's essentially where all the research and everything goes.","start":200.515,"end":209.39499,"sentiment":"neutral","sentiment_score":0.08139632534115546}],"sentiment":"neutral","sentiment_score":0.09950108075371156,"num_words":65,"start":188.41,"end":209.39499},{"sentences":[{"text":"So all their corresponding products disclosure statement through everything is there.","start":209.39499,"end":213.97499,"sentiment":"neutral","sentiment_score":0.08549594032493504},{"text":"I have also included the appendix with some alternatives for you as well.","start":214.19,"end":219.09,"sentiment":"neutral","sentiment_score":0.12476755392092925},{"text":"But if you yes.","start":220.27,"end":224.29,"sentiment":"neutral","sentiment_score":0.01655540894716978},{"text":"Yes.","start":224.99,"end":225.39,"sentiment":"neutral","sentiment_score":0.06564436852931976},{"text":"So with the appendix.","start":225.39,"end":227.25,"sentiment":"neutral","sentiment_score":0.0389788132160902}],"sentiment":"neutral","sentiment_score":0.08637014550693108,"num_words":33,"start":209.39499,"end":227.25},{"sentences":[{"text":"So you should say that one of the attachment is an appendix, and there is a couple of alternatives in the appendix.","start":227.965,"end":234.70499,"sentiment":"neutral","sentiment_score":0.04025340317325159},{"text":"But I'll go through the actual recommendation first, and then I will show you the couple of alternatives in there.","start":236.28499,"end":242.625,"sentiment":"neutral","sentiment_score":0.043161682412028314},{"text":"Yep.","start":246.43,"end":246.93,"sentiment":"neutral","sentiment_score":0.04449547827243805},{"text":"Yep.","start":251.15,"end":251.65,"sentiment":"neutral","sentiment_score":0.04179864376783371},{"text":"Yep.","start":253.31,"end":253.81,"sentiment":"neutral","sentiment_score":0.02953486144542694}],"sentiment":"neutral","sentiment_score":0.04143638892306222,"num_words":45,"start":227.965,"end":253.81},{"sentences":[{"text":"That one.","start":257.085,"end":257.825,"sentiment":"neutral","sentiment_score":0.022646384313702583},{"text":"Yep.","start":259.245,"end":259.745,"sentiment":"neutral","sentiment_score":0.09998877346515656},{"text":"That's that one.","start":259.805,"end":260.705,"sentiment":"neutral","sentiment_score":0.0991835022966067},{"text":"But what I will get you to have a look at that later because I wanna go through the actual recommendations first, but then the appendix is the one I do wanna refer back through after.","start":260.845,"end":272.53,"sentiment":"neutral","sentiment_score":0.05267240355412165},{"text":"But if you could click on the link where it says sign now.","start":273.15,"end":276.11002,"sentiment":"neutral","sentiment_score":0.05089882560647451}],"sentiment":"neutral","sentiment_score":0.054558605632998726,"num_words":55,"start":257.085,"end":276.11002},{"sentences":[{"text":"Now it won't get you to sign right away.","start":276.11002,"end":277.95,"sentiment":"neutral","sentiment_score":0.08813982829451561},{"text":"It will allow you to open up and view everything first.","start":277.95,"end":280.93,"sentiment":"neutral","sentiment_score":0.1250973106785254},{"text":"And when you click on it, it should show the first document first where it says statement of reply.","start":291.365,"end":297.99,"sentiment":"neutral","sentiment_score":0.07435187148420434},{"text":"Yeah.","start":299.73,"end":300.21,"sentiment":"neutral","sentiment_score":0.2182159572839737},{"text":"Perfect.","start":300.21,"end":300.71,"sentiment":"positive","sentiment_score":0.3893167972564697}],"sentiment":"neutral","sentiment_score":0.10218407767938405,"num_words":41,"start":276.11002,"end":300.71},{"sentences":[{"text":"Now this has been tailored specifically for you, and I have put together a strategy that I believe are going to achieve your goals and your objectives the best.","start":302.21,"end":312.495,"sentiment":"positive","sentiment_score":0.4030209222230418},{"text":"But at the end of the day, Shannon, it is completely up to you.","start":312.635,"end":315.755,"sentiment":"neutral","sentiment_score":0.3254477520074163},{"text":"They are just recommendation.","start":315.755,"end":317.055,"sentiment":"positive","sentiment_score":0.550062395632267},{"text":"It is joy your choice at the end of the day whether you wanna take some of it, all of it, or none of it at the end of the day.","start":317.755,"end":323.85,"sentiment":"positive","sentiment_score":0.6225930904188464},{"text":"Now you will yes.","start":325.85,"end":327.55002,"sentiment":"neutral","sentiment_score":0.20671549439430237}],"sentiment":"positive","sentiment_score":0.47038259311783603,"num_words":82,"start":302.21,"end":327.55002},{"sentences":[{"text":"Yes.","start":331.45,"end":331.95,"sentiment":"neutral","sentiment_score":0.05481480807065964},{"text":"A bit of both.","start":334.09,"end":334.73,"sentiment":"neutral","sentiment_score":0.027634609024971724},{"text":"So what I would like to do is just run through the main points with you while I have you on the phone to pin point that, but then I will get you to have an opportunity to read over everything in your own time as well because it is quite long.","start":334.73,"end":347.605,"sentiment":"neutral","sentiment_score":0.08356585514803345},{"text":"So I don't wanna go through everything with you because you'll see it's it's about 40 pages, But I will kind of go through the main changes in the recommendation and why I have made them, and then I will let you through have an opportunity to read over everything.","start":347.605,"end":363.16,"sentiment":"neutral","sentiment_score":0.068579981662333},{"text":"And if you have any questions afterwards, we can always do another catch up.","start":363.16,"end":366.945,"sentiment":"neutral","sentiment_score":0.07502959828291621}],"sentiment":"neutral","sentiment_score":0.07429910058632863,"num_words":121,"start":331.45,"end":366.945},{"sentences":[{"text":"Yep.","start":368.465,"end":368.785,"sentiment":"neutral","sentiment_score":0.02233342081308365},{"text":"Does that make sense?","start":368.785,"end":369.92502,"sentiment":"neutral","sentiment_score":-0.004583678673952818},{"text":"Yep.","start":371.105,"end":371.605,"sentiment":"neutral","sentiment_score":0.038625508546829224},{"text":"Yeah.","start":376.065,"end":376.545,"sentiment":"neutral","sentiment_score":0.05858342722058296},{"text":"So what I will do first is just kind of go through just my compliance point of view.","start":376.545,"end":381.81,"sentiment":"neutral","sentiment_score":0.06857137340638372}],"sentiment":"neutral","sentiment_score":0.05341969452798367,"num_words":25,"start":368.465,"end":381.81},{"sentences":[{"text":"On the cover page as well, you will also see my details listed.","start":381.88998,"end":385.75,"sentiment":"neutral","sentiment_score":0.07238399839171997},{"text":"You will see my authorized representative number, and I am licensed under OQ Financial.","start":386.05,"end":391.27,"sentiment":"neutral","sentiment_score":0.07619688819561686},{"text":"Now to save you time, I will kind of skip through straight to the recommendation.","start":391.97,"end":396.31,"sentiment":"neutral","sentiment_score":0.0903135821223259},{"text":"But some of the pages that you will scroll through outlines the best interest duty, which essentially means that we have to act in your best interest at all time.","start":397.175,"end":407.515,"sentiment":"neutral","sentiment_score":0.07817238482336203},{"text":"The advice itself has to put you in a better position as a result of the advice.","start":407.735,"end":412.155,"sentiment":"neutral","sentiment_score":0.1131710456136395}],"sentiment":"neutral","sentiment_score":0.08574754455953501,"num_words":89,"start":381.88998,"end":412.155},{"sentences":[{"text":"Otherwise, we can't actually make the recommendation.","start":412.55002,"end":414.73,"sentiment":"neutral","sentiment_score":-0.05727118945547512},{"text":"So a lot of that kind of wording is where you would have scrolled through.","start":415.35,"end":418.65002,"sentiment":"neutral","sentiment_score":0.04009531028568745},{"text":"You would have also scrolled through a couple of pages talking about scope of advice.","start":418.71002,"end":423.53,"sentiment":"neutral","sentiment_score":0.02571162364135186},{"text":"Just for your reference, what it is is referring back to the areas we are looking at today.","start":424.23,"end":429.855,"sentiment":"neutral","sentiment_score":0.07197851894630326},{"text":"So simply today, what we are looking at and what I have recommended is reviewing your superannuation to make sure that everything is set up correctly for you.","start":429.995,"end":438.815,"sentiment":"neutral","sentiment_score":0.25843775272369385}],"sentiment":"neutral","sentiment_score":0.10985633855438735,"num_words":83,"start":412.55002,"end":438.815},{"sentences":[{"text":"I have also considered a couple of those industry low cost funds for you as a comparison as well as well as with your insurances canceling your income protection and keeping your life and PPD for the time being.","start":439.035,"end":454.03,"sentiment":"neutral","sentiment_score":0.1688478892812362},{"text":"Does that make sense?","start":454.09,"end":455.23,"sentiment":"neutral","sentiment_score":0.1136588528752327},{"text":"Yeah.","start":456.315,"end":456.815,"sentiment":"neutral","sentiment_score":0.013834649696946144},{"text":"Yep.","start":472.09,"end":472.59,"sentiment":"neutral","sentiment_score":0.017485780641436577},{"text":"Yeah.","start":474.88998,"end":475.29,"sentiment":"neutral","sentiment_score":0.0012131240218877792}],"sentiment":"neutral","sentiment_score":0.15374427495281334,"num_words":46,"start":439.035,"end":475.29},{"sentences":[{"text":"So on page on page nine, is that it?","start":475.29,"end":477.85,"sentiment":"neutral","sentiment_score":-0.00023908364690012403},{"text":"Yeah.","start":477.85,"end":478.16998,"sentiment":"neutral","sentiment_score":0.150373637676239},{"text":"Beautiful.","start":478.16998,"end":478.66998,"sentiment":"positive","sentiment_score":0.36668288707733154},{"text":"This is what you currently have.","start":478.97,"end":481.07,"sentiment":"neutral","sentiment_score":0.10078821827967961},{"text":"So this is current Correct.","start":481.44998,"end":483.785,"sentiment":"neutral","sentiment_score":0.02725066840648651}],"sentiment":"neutral","sentiment_score":0.05708579198372635,"num_words":22,"start":475.29,"end":483.785},{"sentences":[{"text":"So this includes All 3.","start":483.845,"end":489.30502,"sentiment":"neutral","sentiment_score":0.03478778637945652},{"text":"Yes.","start":490.96503,"end":491.46503,"sentiment":"neutral","sentiment_score":0.053637634962797165},{"text":"Correct.","start":495.83,"end":496.33,"sentiment":"neutral","sentiment_score":0.08174222707748413},{"text":"So that is your life, which you can see here, 800 TPD, and income protection.","start":496.47,"end":503.44998,"sentiment":"neutral","sentiment_score":0.04390310272574425},{"text":"So all three is 2,708 after the tax rebate.","start":503.59,"end":508.78998,"sentiment":"neutral","sentiment_score":0.044595426983303495}],"sentiment":"neutral","sentiment_score":0.044168521860434164,"num_words":31,"start":483.845,"end":508.78998},{"sentences":[{"text":"So that is what you are currently paying.","start":508.78998,"end":510.97,"sentiment":"neutral","sentiment_score":0.052506607957184315},{"text":"Yep.","start":512.625,"end":513.125,"sentiment":"neutral","sentiment_score":0.17814390361309052},{"text":"Yes.","start":515.025,"end":515.525,"sentiment":"neutral","sentiment_score":0.3299925923347473},{"text":"So I have recommended that for you.","start":515.585,"end":517.925,"sentiment":"positive","sentiment_score":0.43234222275870193},{"text":"Now do you want me to start with the insurances, or would you like me to start with the superannuation?","start":518.305,"end":522.965,"sentiment":"neutral","sentiment_score":0.11204408928751945}],"sentiment":"neutral","sentiment_score":0.16744504607207067,"num_words":37,"start":508.78998,"end":522.965},{"sentences":[{"text":"Because superannuation, you scroll through first, but I can touch on this yeah.","start":523.025,"end":527.94995,"sentiment":"neutral","sentiment_score":0.05470000264736322},{"text":"Okay.","start":528.00995,"end":528.32996,"sentiment":"neutral","sentiment_score":0.1933242380619049},{"text":"Perfect.","start":528.32996,"end":528.82996,"sentiment":"positive","sentiment_score":0.4426875710487366},{"text":"That's how it comes.","start":531.05,"end":532.11,"sentiment":"neutral","sentiment_score":0.10523533262312412},{"text":"Yeah.","start":532.49,"end":532.99,"sentiment":"neutral","sentiment_score":0.16086000204086304}],"sentiment":"neutral","sentiment_score":0.09644565880298614,"num_words":20,"start":523.025,"end":532.99},{"sentences":[{"text":"Saves you having to scroll back and forth.","start":533.37,"end":535.47,"sentiment":"neutral","sentiment_score":0.22906124964356422},{"text":"But, essentially, after that, so page 10, you will just see a little bit of information in regards to that high growth portfolio again.","start":536.73,"end":545.30505,"sentiment":"neutral","sentiment_score":0.09622415838142236},{"text":"So when we spoke last time, you said that you were quite comfortable to stay within the same risk profile.","start":545.445,"end":550.98505,"sentiment":"neutral","sentiment_score":0.12856856733560562},{"text":"Your main concern.","start":551.36505,"end":552.42505,"sentiment":"neutral","sentiment_score":-0.07733192915717761},{"text":"Okay.","start":553.54004,"end":554.04004,"sentiment":"neutral","sentiment_score":-0.1949279308319092}],"sentiment":"neutral","sentiment_score":0.11225566833413073,"num_words":56,"start":533.37,"end":554.04004},{"sentences":[{"text":"Okay.","start":557.94,"end":558.44,"sentiment":"neutral","sentiment_score":-0.24009516835212708},{"text":"Mhmm.","start":570.995,"end":571.495,"sentiment":"neutral","sentiment_score":-0.12987984716892242},{"text":"Mhmm.","start":572.915,"end":573.415,"sentiment":"neutral","sentiment_score":-0.05665164813399315},{"text":"Mhmm.","start":576.93,"end":577.43,"sentiment":"neutral","sentiment_score":-0.13341300189495087},{"text":"Yep.","start":583.08997,"end":583.58997,"sentiment":"neutral","sentiment_score":-0.04701023548841477}],"sentiment":"neutral","sentiment_score":-0.12140998020768165,"num_words":5,"start":557.94,"end":583.58997},{"sentences":[{"text":"Mhmm.","start":586.37,"end":586.87,"sentiment":"neutral","sentiment_score":-0.21749365329742432},{"text":"Yeah.","start":590.22504,"end":590.625,"sentiment":"neutral","sentiment_score":-0.07078346610069275},{"text":"No.","start":590.625,"end":590.945,"sentiment":"neutral","sentiment_score":-0.12789593636989594},{"text":"And I I no.","start":590.945,"end":592.545,"sentiment":"neutral","sentiment_score":-0.09362577460706234},{"text":"You totally make sense.","start":592.545,"end":593.825,"sentiment":"neutral","sentiment_score":-0.00338116567581892}],"sentiment":"neutral","sentiment_score":-0.07310916517268527,"num_words":11,"start":586.37,"end":593.825},{"sentences":[{"text":"And it is it is like that as well because when you do make when we make a change, especially when it comes to your superannuation, which is a little bit more about long term investment, We wanna make sure we keep it for for a longer period of time.","start":593.825,"end":607.18,"sentiment":"neutral","sentiment_score":0.06108705066144467},{"text":"You you wanna be proactive when it comes to the investments in the market, but at the same time, we don't also want to be, like, day trading or making too many changes.","start":607.48,"end":617.805,"sentiment":"neutral","sentiment_score":-0.030330909133860558},{"text":"Because when you do make a change, unless there are structural issues in regards to one particular investment, you have to pay capital gains tax and transaction fees to do so.","start":617.805,"end":629.10504,"sentiment":"neutral","sentiment_score":-0.08409166275974243},{"text":"So we are then also considering the whole impact.","start":629.56,"end":633.26,"sentiment":"neutral","sentiment_score":-0.0715086418721411},{"text":"And if it's a matter of let's sell right now to then potentially increase the risk later on, that's usually not the best idea if you have the time in the market because often trying to time the market fluctuation up and down is very hard.","start":633.72003,"end":651.70496,"sentiment":"neutral","sentiment_score":-0.3013798137721808}],"sentiment":"neutral","sentiment_score":-0.08911513742169686,"num_words":169,"start":593.825,"end":651.70496},{"sentences":[{"text":"And when you are looking historically with the market and the people that are trying to buy and sell, like, buy high, sell low, and trying to time it to take advantage of that, it doesn't actually put you in a better position than if you just kind of maintain it as long as you have the time behind you, which you do at the moment.","start":651.70496,"end":672.315,"sentiment":"neutral","sentiment_score":0.014642626385797154},{"text":"Does that make sense?","start":672.53503,"end":673.755,"sentiment":"neutral","sentiment_score":0.09406173415482044},{"text":"Yes.","start":675.09503,"end":675.59503,"sentiment":"positive","sentiment_score":0.3800986409187317},{"text":"Mhmm.","start":681.495,"end":681.995,"sentiment":"neutral","sentiment_score":0.2135942578315735},{"text":"Yep.","start":687.59,"end":688.09,"sentiment":"neutral","sentiment_score":0.1955428123474121}],"sentiment":"neutral","sentiment_score":0.029204054646296045,"num_words":73,"start":651.70496,"end":688.09},{"sentences":[{"text":"Yep.","start":688.71,"end":689.11005,"sentiment":"neutral","sentiment_score":0.1959875524044037},{"text":"Beautiful.","start":689.11005,"end":689.61005,"sentiment":"positive","sentiment_score":0.6246228218078613},{"text":"Yeah.","start":691.27,"end":691.77,"sentiment":"neutral","sentiment_score":0.13739341497421265},{"text":"I'll make yes.","start":691.83,"end":695.21,"sentiment":"neutral","sentiment_score":0.12593182921409607},{"text":"Yep.","start":700.645,"end":701.145,"sentiment":"neutral","sentiment_score":-0.0353596992790699}],"sentiment":"neutral","sentiment_score":0.18577708250709943,"num_words":7,"start":688.71,"end":701.145},{"sentences":[{"text":"Yeah.","start":704.565,"end":704.805,"sentiment":"neutral","sentiment_score":0.08906561881303787},{"text":"Yes.","start":704.805,"end":705.305,"sentiment":"neutral","sentiment_score":0.16234666109085083},{"text":"So we can definitely I'll make a little note because I have here as well that we'll touch base, obviously, every couple of months just to check-in and see how things are going.","start":705.84503,"end":716.48,"sentiment":"neutral","sentiment_score":0.31041115522384644},{"text":"And I'll make a little note as well through okay.","start":716.86,"end":721.6,"sentiment":"positive","sentiment_score":0.37229538708925247},{"text":"Mhmm.","start":724.395,"end":724.895,"sentiment":"neutral","sentiment_score":0.02839074656367302}],"sentiment":"neutral","sentiment_score":0.3097027178205874,"num_words":46,"start":704.565,"end":724.895},{"sentences":[{"text":"Of course.","start":726.715,"end":727.535,"sentiment":"neutral","sentiment_score":0.01747620850801468},{"text":"No.","start":729.595,"end":730.095,"sentiment":"neutral","sentiment_score":-0.04060830920934677},{"text":"Correct.","start":733.115,"end":733.615,"sentiment":"neutral","sentiment_score":0.07662515342235565},{"text":"Yep.","start":736.17,"end":736.67,"sentiment":"neutral","sentiment_score":0.1372876614332199},{"text":"Yeah.","start":737.13,"end":737.61,"sentiment":"neutral","sentiment_score":0.054516326636075974}],"sentiment":"neutral","sentiment_score":0.04379554154972235,"num_words":6,"start":726.715,"end":737.61},{"sentences":[{"text":"I'm not gonna be like, oh, your under review is not up.","start":737.61,"end":739.77,"sentiment":"neutral","sentiment_score":-0.0820484363163511},{"text":"Yeah.","start":739.77,"end":739.93,"sentiment":"neutral","sentiment_score":-0.05124153941869736},{"text":"I'm not gonna quote you.","start":739.93,"end":740.73004,"sentiment":"neutral","sentiment_score":-0.10185595750808715},{"text":"No.","start":740.73004,"end":741.05,"sentiment":"neutral","sentiment_score":-0.19024120271205905},{"text":"It doesn't work like that.","start":741.05,"end":742.59,"sentiment":"neutral","sentiment_score":-0.16625112295150757}],"sentiment":"neutral","sentiment_score":-0.10694164084270597,"num_words":24,"start":737.61,"end":742.59},{"sentences":[{"text":"No.","start":743.45,"end":743.95,"sentiment":"neutral","sentiment_score":-0.15335437655448914},{"text":"Yeah.","start":749.145,"end":749.645,"sentiment":"neutral","sentiment_score":-0.06571163237094879},{"text":"Just communication.","start":752.585,"end":753.48505,"sentiment":"neutral","sentiment_score":-0.054614825174212456},{"text":"Yes.","start":754.34503,"end":754.84503,"sentiment":"neutral","sentiment_score":-0.041645850986242294},{"text":"Yep.","start":761.32,"end":761.82,"sentiment":"neutral","sentiment_score":-0.20385730266571045}],"sentiment":"neutral","sentiment_score":-0.09563313548763593,"num_words":6,"start":743.45,"end":761.82},{"sentences":[{"text":"Mhmm.","start":763.95996,"end":764.45996,"sentiment":"neutral","sentiment_score":-0.09313086420297624},{"text":"Mhmm.","start":767.56,"end":768.06,"sentiment":"neutral","sentiment_score":-0.23244205117225647},{"text":"Yep.","start":771.16,"end":771.66,"sentiment":"neutral","sentiment_score":-0.10977809131145476},{"text":"Make some changes.","start":773.65497,"end":774.795,"sentiment":"neutral","sentiment_score":-0.17147949834664664},{"text":"Yeah.","start":787.83,"end":788.33,"sentiment":"neutral","sentiment_score":-0.08568200469017029}],"sentiment":"neutral","sentiment_score":-0.14792450091668538,"num_words":7,"start":763.95996,"end":788.33},{"sentences":[{"text":"And it totally totally makes sense.","start":789.03,"end":791.19,"sentiment":"neutral","sentiment_score":0.07777045294642448},{"text":"And so what I have recommended to make it easier is when you scroll through the pages, you will it's quite wild, David.","start":791.19,"end":796.99,"sentiment":"neutral","sentiment_score":0.3271287563054458},{"text":"It is so you have the opportunity later to read through everything so that you are fully informed.","start":796.99,"end":801.52496,"sentiment":"neutral","sentiment_score":0.3174814184506734},{"text":"But it talks about what the actual recommendation is and why I have recommended it.","start":802.065,"end":807.44495,"sentiment":"neutral","sentiment_score":0.2412023345629374},{"text":"I usually find that the easiest way to look at it as a starting point is to just kind of look at the numbers and how that will look like.","start":807.665,"end":816.82996,"sentiment":"neutral","sentiment_score":0.33270187824964526}],"sentiment":"neutral","sentiment_score":0.29678631533423194,"num_words":92,"start":789.03,"end":816.82996},{"sentences":[{"text":"So if you can scroll down to page 16 for me.","start":816.97,"end":820.43,"sentiment":"neutral","sentiment_score":0.061351094733585014},{"text":"16.","start":822.64996,"end":823.14996,"sentiment":"neutral","sentiment_score":0.028246557340025905},{"text":"Yep.","start":823.37,"end":823.87,"sentiment":"neutral","sentiment_score":0.03612366691231728},{"text":"And it's 16.","start":824.25,"end":825.44995,"sentiment":"neutral","sentiment_score":0.014317978639155626},{"text":"Yep.","start":825.44995,"end":825.68994,"sentiment":"neutral","sentiment_score":0.028400644659996033}],"sentiment":"neutral","sentiment_score":0.04768157922936713,"num_words":17,"start":816.97,"end":825.68994},{"sentences":[{"text":"And you should have a table where it says fee comparison table.","start":825.68994,"end":828.945,"sentiment":"neutral","sentiment_score":0.05328140780329704},{"text":"Can you see that?","start":829.425,"end":830.485,"sentiment":"neutral","sentiment_score":0.05184683855623007},{"text":"Yep.","start":832.145,"end":832.645,"sentiment":"neutral","sentiment_score":0.09939879179000854},{"text":"Now that basically puts all the numbers and everything into perspective.","start":832.78503,"end":836.405,"sentiment":"neutral","sentiment_score":0.14892875809561124},{"text":"So you can see here your if you look at your the first situation first, which is your current.","start":836.625,"end":841.365,"sentiment":"neutral","sentiment_score":0.1579782672618565}],"sentiment":"neutral","sentiment_score":0.11885035014215936,"num_words":47,"start":825.68994,"end":841.365},{"sentences":[{"text":"That shows you your current balance.","start":841.85004,"end":843.77,"sentiment":"neutral","sentiment_score":0.14217438300450644},{"text":"It shows you your total fees currently.","start":843.77,"end":846.43,"sentiment":"neutral","sentiment_score":0.15949601360729762},{"text":"It shows you the insurance premium.","start":847.05005,"end":849.39,"sentiment":"neutral","sentiment_score":0.15232086554169655},{"text":"It shows you the the total cost of your hub 24, but it also then shows you the return on your investments currently using a five year rolling average.","start":849.93,"end":862.435,"sentiment":"neutral","sentiment_score":0.14637249926554746},{"text":"Now we like to use a five year rolling average because it gives us a little bit more certainty of what has happened in the market and the world.","start":862.895,"end":870.835,"sentiment":"neutral","sentiment_score":0.17578190744950853}],"sentiment":"neutral","sentiment_score":0.15877819975668733,"num_words":77,"start":841.85004,"end":870.835},{"sentences":[{"text":"There's obviously no guarantee with investment, but that is why we prefer to use five years.","start":871.4,"end":876.22003,"sentiment":"neutral","sentiment_score":-0.003990461817011237},{"text":"Because if I use twelve months, depending on when I were to use it, some years, it would have looked like you've won the lottery.","start":876.36,"end":882.86,"sentiment":"neutral","sentiment_score":0.04545355349779129},{"text":"Other years, not so great.","start":883.24,"end":884.84,"sentiment":"neutral","sentiment_score":-0.1331665426492691},{"text":"So having a five year time frame of averaging it out gives us a little bit more certainty.","start":884.84,"end":890.585,"sentiment":"neutral","sentiment_score":0.11310711171891955},{"text":"Does that make sense, Shannon?","start":890.72504,"end":892.025,"sentiment":"neutral","sentiment_score":0.11714217215776443}],"sentiment":"neutral","sentiment_score":0.043888371113849724,"num_words":69,"start":871.4,"end":892.025},{"sentences":[{"text":"Yep.","start":892.885,"end":893.385,"sentiment":"neutral","sentiment_score":0.0958188697695732},{"text":"Now what I no.","start":893.765,"end":896.405,"sentiment":"neutral","sentiment_score":-0.027299155946820967},{"text":"I was like, what I have recommended, it is staying in hub twenty four.","start":896.405,"end":899.60504,"sentiment":"neutral","sentiment_score":0.044130247086286545},{"text":"Now I did consider a lot of different other alternatives for you.","start":899.60504,"end":903.98004,"sentiment":"neutral","sentiment_score":0.16506707482039928},{"text":"So I considered other kind of comparison options to hub twenty four when it comes to the sophistication, but also the investment choices and flexibilities in constructing the portfolio.","start":904.04004,"end":915.18,"sentiment":"neutral","sentiment_score":0.22504232001715693}],"sentiment":"neutral","sentiment_score":0.15185796472554405,"num_words":60,"start":892.885,"end":915.18},{"sentences":[{"text":"But what I also considered is the the kind of top rated industry funds as well.","start":915.885,"end":922.625,"sentiment":"neutral","sentiment_score":0.21945341769605875},{"text":"So I considered AustralianSuper, AwareSuper, and Host Plus for you, which is in the appendix later just so that you can see the alternative.","start":922.685,"end":932.63,"sentiment":"neutral","sentiment_score":0.24151183478534222},{"text":"Because I know, obviously, fees and everything was a you know, is obviously a factor.","start":932.63,"end":937.69,"sentiment":"neutral","sentiment_score":-0.049886525919040046},{"text":"So part of the Correct.","start":938.39,"end":944.425,"sentiment":"neutral","sentiment_score":0.01997622027993202},{"text":"Yeah.","start":946.725,"end":947.225,"sentiment":"neutral","sentiment_score":0.003216773271560669}],"sentiment":"neutral","sentiment_score":0.14200555252247168,"num_words":61,"start":915.885,"end":947.225},{"sentences":[{"text":"Mhmm.","start":949.76495,"end":950.26495,"sentiment":"neutral","sentiment_score":0.04825740307569504},{"text":"Yep.","start":954.165,"end":954.665,"sentiment":"neutral","sentiment_score":0.058719005435705185},{"text":"Then there's something more going on.","start":960.99,"end":962.93,"sentiment":"neutral","sentiment_score":0.02786606872299065},{"text":"Yeah.","start":963.47,"end":963.97,"sentiment":"neutral","sentiment_score":0.05853894352912903},{"text":"Yes.","start":964.43,"end":964.93,"sentiment":"neutral","sentiment_score":0.06132177263498306}],"sentiment":"neutral","sentiment_score":0.03940335370134562,"num_words":10,"start":949.76495,"end":964.93},{"sentences":[{"text":"Yeah.","start":969.325,"end":969.825,"sentiment":"neutral","sentiment_score":-0.07012753188610077},{"text":"Yeah.","start":975.245,"end":975.645,"sentiment":"neutral","sentiment_score":0.055624715983867645},{"text":"And and it has to be worth it, and I completely get that.","start":975.645,"end":978.765,"sentiment":"neutral","sentiment_score":0.18442698224232748},{"text":"So if you are paying a little bit more in fees, you obviously wanna make sure that at net of everything, it pays off.","start":978.765,"end":985.04004,"sentiment":"neutral","sentiment_score":0.08350119832903147},{"text":"Exactly.","start":985.66003,"end":986.16003,"sentiment":"neutral","sentiment_score":0.09705403447151184}],"sentiment":"neutral","sentiment_score":0.11210326869040728,"num_words":40,"start":969.325,"end":986.16003},{"sentences":[{"text":"Exactly.","start":986.7,"end":987.2,"sentiment":"neutral","sentiment_score":0.12544456124305725},{"text":"Mhmm.","start":991.82,"end":992.32,"sentiment":"neutral","sentiment_score":-0.28500598669052124},{"text":"Unless it pays off.","start":995.835,"end":997.135,"sentiment":"neutral","sentiment_score":-0.28587719425559044},{"text":"Yep.","start":997.35504,"end":997.85504,"sentiment":"neutral","sentiment_score":-0.01904514618217945},{"text":"Yeah.","start":999.43506,"end":999.93506,"sentiment":"neutral","sentiment_score":-0.06042986363172531}],"sentiment":"neutral","sentiment_score":-0.1728181515354663,"num_words":8,"start":986.7,"end":999.93506},{"sentences":[{"text":"So Yeah.","start":1001.35504,"end":1007.23,"sentiment":"neutral","sentiment_score":-0.06784920021891594},{"text":"Yeah.","start":1008.32996,"end":1008.82996,"sentiment":"neutral","sentiment_score":0.021004648879170414},{"text":"Yep.","start":1024.585,"end":1025.085,"sentiment":"neutral","sentiment_score":0.03854824602603912},{"text":"Yes.","start":1027.545,"end":1028.045,"sentiment":"neutral","sentiment_score":0.05862861126661301},{"text":"Yep.","start":1028.665,"end":1029.165,"sentiment":"neutral","sentiment_score":0.04081663489341736}],"sentiment":"neutral","sentiment_score":0.0038832901045680046,"num_words":6,"start":1001.35504,"end":1029.165},{"sentences":[{"text":"What's going on?","start":1031.08,"end":1031.96,"sentiment":"neutral","sentiment_score":0.028244145835439365},{"text":"Yep.","start":1031.96,"end":1032.2,"sentiment":"neutral","sentiment_score":0.0438883900642395},{"text":"Yep.","start":1032.2,"end":1032.7,"sentiment":"neutral","sentiment_score":0.06732683628797531},{"text":"Yeah.","start":1042.36,"end":1042.86,"sentiment":"neutral","sentiment_score":0.10209718346595764},{"text":"Of course.","start":1047.7351,"end":1048.555,"sentiment":"neutral","sentiment_score":0.18291355669498444}],"sentiment":"neutral","sentiment_score":0.08298399508930743,"num_words":8,"start":1031.08,"end":1048.555},{"sentences":[{"text":"And there's a lot.","start":1049.0951,"end":1050.155,"sentiment":"positive","sentiment_score":0.3808002769947052},{"text":"No worry.","start":1051.4951,"end":1052.3151,"sentiment":"neutral","sentiment_score":0.040207384154200554},{"text":"I'm not I'm and that's and that's fine.","start":1052.375,"end":1055.78,"sentiment":"neutral","sentiment_score":0.16101886285468936},{"text":"And I definitely want you to take your time to go through it.","start":1055.78,"end":1059.14,"sentiment":"positive","sentiment_score":0.4704717374764956},{"text":"Now some of the points I do wanna point out just so that you are aware, you can obviously see that I have made a recommendation to move to the SMA.","start":1059.14,"end":1068.44,"sentiment":"neutral","sentiment_score":0.0696693197373421}],"sentiment":"neutral","sentiment_score":0.19254565996856526,"num_words":58,"start":1049.0951,"end":1068.44},{"sentences":[{"text":"Do you remember us talking briefly about yes.","start":1069.0599,"end":1072.4149,"sentiment":"neutral","sentiment_score":0.01939475303515792},{"text":"So I did consider not SMA a lot of different options.","start":1072.635,"end":1076.495,"sentiment":"neutral","sentiment_score":0.00995493358509107},{"text":"So the obviously, the benefit with the SMA is that flexibility with the investment choices, and we can be more proactive because you don't have the same process when it comes to going through things.","start":1076.5549,"end":1087.94,"sentiment":"neutral","sentiment_score":0.22205755306141717},{"text":"So that's what makes it really good.","start":1087.94,"end":1089.38,"sentiment":"neutral","sentiment_score":0.2909411106790815},{"text":"But at the same time, I wanted to make sure that, well, is it going to be cheaper for you, and is it going to perform better?","start":1089.38,"end":1097.7,"sentiment":"neutral","sentiment_score":0.14369843900203705}],"sentiment":"neutral","sentiment_score":0.15855820771222087,"num_words":88,"start":1069.0599,"end":1097.7},{"sentences":[{"text":"Because, otherwise, just having that flexibility, which, yes, in the future, especially with everything going on in the market, it allows us to do that.","start":1097.7,"end":1106.7051,"sentiment":"neutral","sentiment_score":0.2376752895116806},{"text":"But I need to factor in everything, not just that.","start":1106.7051,"end":1109.685,"sentiment":"neutral","sentiment_score":0.04329562708735466},{"text":"And in doing it, it you can see here that it is actually a bit cheaper for you.","start":1110.0651,"end":1116.34,"sentiment":"neutral","sentiment_score":0.22276704923974144},{"text":"So it is reducing the cost.","start":1116.34,"end":1118.44,"sentiment":"neutral","sentiment_score":0.045038684271276},{"text":"87.","start":1126.755,"end":1127.475,"sentiment":"neutral","sentiment_score":0.00874315295368433}],"sentiment":"neutral","sentiment_score":0.17772701089270412,"num_words":60,"start":1097.7,"end":1127.475},{"sentences":[{"text":"Yep.","start":1127.475,"end":1127.875,"sentiment":"neutral","sentiment_score":0.04636096581816673},{"text":"That is a excellent question.","start":1127.875,"end":1129.235,"sentiment":"positive","sentiment_score":0.36843904107809067},{"text":"So you can see the difference there of about 700 and 14.","start":1129.235,"end":1132.135,"sentiment":"neutral","sentiment_score":0.08454349559421341},{"text":"No.","start":1137.01,"end":1137.51,"sentiment":"neutral","sentiment_score":-0.11234313249588011},{"text":"That's the capital gains tax.","start":1137.57,"end":1139.91,"sentiment":"neutral","sentiment_score":-0.0981561966240406}],"sentiment":"neutral","sentiment_score":0.09583141678012908,"num_words":24,"start":1127.475,"end":1139.91},{"sentences":[{"text":"So, obviously, by changing investments, when you are selling investments that have gone up, you have to pay capital gains tax on the earnings.","start":1140.37,"end":1150.95,"sentiment":"neutral","sentiment_score":-0.007430990304177006},{"text":"Now I've tried to minimize that as much as possible, and it does fluctuate on a daily, obviously, with market prices, but it is estimated at around 714.","start":1151.325,"end":1162.3049,"sentiment":"neutral","sentiment_score":-0.01357716867434127},{"text":"Now just for your reference, when I considered going through Australian SuperAway Superhost Plus, that would obviously be a full sell down of everything.","start":1162.6849,"end":1172.11,"sentiment":"neutral","sentiment_score":-0.002645811609302958},{"text":"The capital gains tax is estimated at around 1,444 just so that you have that comparison.","start":1172.73,"end":1179.9501,"sentiment":"neutral","sentiment_score":0.010365073452703655},{"text":"So when you no.","start":1180.01,"end":1182.415,"sentiment":"neutral","sentiment_score":-0.09648235142230988}],"sentiment":"neutral","sentiment_score":-0.008771793742198497,"num_words":96,"start":1140.37,"end":1182.415},{"sentences":[{"text":"It's pretty good.","start":1183.115,"end":1184.175,"sentiment":"neutral","sentiment_score":0.15087727208932242},{"text":"It's a it's a combination of swapping the investments in a tax effective way.","start":1188.795,"end":1193.835,"sentiment":"neutral","sentiment_score":0.16428542296801293},{"text":"So if I also, some of your good investments at the moment are also in the SMA.","start":1193.835,"end":1199.46,"sentiment":"neutral","sentiment_score":0.3219924507772221},{"text":"So, obviously, when you do just, like, a a swap over, then you don't have to pay capital gains tax on everything.","start":1199.76,"end":1207.0599,"sentiment":"neutral","sentiment_score":0.14284078573638742},{"text":"So it is a bit of a combination.","start":1207.925,"end":1209.545,"sentiment":"neutral","sentiment_score":0.2699625566601753}],"sentiment":"neutral","sentiment_score":0.21138589282054454,"num_words":64,"start":1183.115,"end":1209.545},{"sentences":[{"text":"So it is good in that way that you don't have to pay too much, but it is something I do wanna let you know, and I'm very glad that you pointed out that is the difference.","start":1209.765,"end":1218.505,"sentiment":"positive","sentiment_score":0.4823072238548382},{"text":"Mhmm.","start":1227.3,"end":1227.8,"sentiment":"neutral","sentiment_score":0.10872478783130646},{"text":"Yes.","start":1230.42,"end":1230.92,"sentiment":"neutral","sentiment_score":0.16244766116142273},{"text":"Exactly.","start":1233.0751,"end":1233.5751,"sentiment":"neutral","sentiment_score":0.021550744771957397},{"text":"Now with the SMA is that because you kind of invested in the the SMA high growth option, if you don't have to state that we have a lot of different SMAs, a lot of different configurations.","start":1234.355,"end":1249.16,"sentiment":"neutral","sentiment_score":0.10951389362280434}],"sentiment":"neutral","sentiment_score":0.28818317584983716,"num_words":77,"start":1209.765,"end":1249.16},{"sentences":[{"text":"So, actually, if you first scroll down to page 17, you can see it kind of just projected five and ten years forward.","start":1250.18,"end":1258.04,"sentiment":"neutral","sentiment_score":0.12191568638967432},{"text":"Now that factors in everything.","start":1258.2949,"end":1260.2949,"sentiment":"neutral","sentiment_score":0.09820194840431214},{"text":"So it factors in adviser fees.","start":1260.2949,"end":1262.135,"sentiment":"neutral","sentiment_score":0.12869597971439362},{"text":"It factors in insurances, the capital gains tax, everything.","start":1262.135,"end":1265.275,"sentiment":"neutral","sentiment_score":0.13746725850635105},{"text":"But it shows you also that the the little improvement in the return along with the reduction in the space, it does compound for you.","start":1265.575,"end":1274.73,"sentiment":"positive","sentiment_score":0.44465588927268984}],"sentiment":"neutral","sentiment_score":0.24148307302418878,"num_words":68,"start":1250.18,"end":1274.73},{"sentences":[{"text":"Now that is also assuming no contribution, so you're not putting anything into a super either.","start":1274.87,"end":1279.85,"sentiment":"neutral","sentiment_score":0.08468444983009249},{"text":"Because of yeah.","start":1291.045,"end":1293.205,"sentiment":"neutral","sentiment_score":0.008579064160585403},{"text":"Which is a which is a great question because of the fees.","start":1293.205,"end":1295.845,"sentiment":"neutral","sentiment_score":0.06372291035950184},{"text":"Because the fees at the moment, and you don't have anything going in.","start":1295.845,"end":1299.98,"sentiment":"neutral","sentiment_score":-0.02378178760409355},{"text":"So the return on your investments are growing, but you obviously have fees coming out.","start":1299.98,"end":1304.4,"sentiment":"neutral","sentiment_score":0.012933999796708425}],"sentiment":"neutral","sentiment_score":0.03441034020635031,"num_words":59,"start":1274.87,"end":1304.4},{"sentences":[{"text":"Because you don't have any contributions going into super as well, that's why, which is, obviously, when we look at it, the return has been yeah.","start":1304.78,"end":1318.775,"sentiment":"neutral","sentiment_score":-0.12087859256336322},{"text":"So so I don't recommend staying, which is which is why the underviews and I'm very glad you did, you know, obviously, speak to me during the underview and allow me to do this so we can then make changes and not just kind of lead it.","start":1318.775,"end":1331.5901,"sentiment":"negative","sentiment_score":-0.4364586523238649},{"text":"Because because with the market, it it's such a fluid thing as well.","start":1331.5901,"end":1334.8701,"sentiment":"neutral","sentiment_score":-0.12944371138627714},{"text":"Right?","start":1334.8701,"end":1335.1901,"sentiment":"neutral","sentiment_score":-0.029048573225736615},{"text":"So it's like, what is best for you when you came on board even a year ago to today is always changing.","start":1335.1901,"end":1343.3701,"sentiment":"neutral","sentiment_score":-0.04971149699254469}],"sentiment":"neutral","sentiment_score":-0.24276944789864602,"num_words":109,"start":1304.78,"end":1343.3701},{"sentences":[{"text":"So we wanna make sure we we keep changing things because the market things are changing.","start":1343.825,"end":1348.465,"sentiment":"neutral","sentiment_score":-0.0446223528124392},{"text":"No one knew about all the tariffs that Trump, you know, decided.","start":1348.465,"end":1353.445,"sentiment":"neutral","sentiment_score":-0.24628245706359544},{"text":"No one knew about the war, and no one knew about COVID.","start":1353.665,"end":1356.145,"sentiment":"neutral","sentiment_score":-0.1587313593675693},{"text":"Like, there's a lot of things happening.","start":1356.145,"end":1357.925,"sentiment":"neutral","sentiment_score":-0.09726364591291972},{"text":"So that's why we always it's not a, like, a sudden forget thing, which another kind of plus with the SMA is that it allows us to be a bit more proactive in that way.","start":1358.07,"end":1366.97,"sentiment":"neutral","sentiment_score":0.15865714331822736}],"sentiment":"neutral","sentiment_score":-0.008560596919822984,"num_words":82,"start":1343.825,"end":1366.97},{"sentences":[{"text":"Now for your yes.","start":1368.5499,"end":1370.4099,"sentiment":"neutral","sentiment_score":0.11564300209283829},{"text":"Mhmm.","start":1373.785,"end":1374.285,"sentiment":"neutral","sentiment_score":0.048376575112342834},{"text":"Mhmm.","start":1380.265,"end":1380.765,"sentiment":"neutral","sentiment_score":0.03084930032491684},{"text":"Correct.","start":1385.0801,"end":1385.5801,"sentiment":"neutral","sentiment_score":0.06613404303789139},{"text":"Correct.","start":1386.68,"end":1387.18,"sentiment":"neutral","sentiment_score":0.1092006415128708}],"sentiment":"neutral","sentiment_score":0.08964157104492188,"num_words":8,"start":1368.5499,"end":1387.18},{"sentences":[{"text":"Yep.","start":1388.2001,"end":1388.7001,"sentiment":"neutral","sentiment_score":0.1241934895515442},{"text":"And and that's the and, yeah, and and that's the thing now.","start":1398.935,"end":1401.655,"sentiment":"neutral","sentiment_score":-0.11968536364535491},{"text":"If at any point in time your situation changed or you guys have spare money and you want to put anything, obviously, the more the more because it's return on your investments.","start":1401.655,"end":1412.55,"sentiment":"neutral","sentiment_score":0.010962479515001178},{"text":"Right?","start":1412.55,"end":1412.7101,"sentiment":"neutral","sentiment_score":0.05168221518397331},{"text":"So the more money you have invested, the higher those are gonna get.","start":1412.7101,"end":1416.5701,"sentiment":"neutral","sentiment_score":0.11425264810140316}],"sentiment":"neutral","sentiment_score":0.009758222216771821,"num_words":59,"start":1388.2001,"end":1416.5701},{"sentences":[{"text":"So yep.","start":1417.3501,"end":1423.185,"sentiment":"neutral","sentiment_score":-0.13228216022253036},{"text":"What to do?","start":1425.005,"end":1425.985,"sentiment":"neutral","sentiment_score":-0.04267213058968385},{"text":"Yep.","start":1426.2051,"end":1426.7051,"sentiment":"neutral","sentiment_score":-0.0025992095470428467},{"text":"Yes.","start":1427.645,"end":1428.145,"sentiment":"neutral","sentiment_score":-0.007880669087171555},{"text":"Yeah.","start":1432.8601,"end":1433.3601,"sentiment":"neutral","sentiment_score":-0.00861145369708538}],"sentiment":"neutral","sentiment_score":-0.05145900556817651,"num_words":8,"start":1417.3501,"end":1433.3601},{"sentences":[{"text":"Mhmm.","start":1437.7401,"end":1438.2401,"sentiment":"neutral","sentiment_score":-0.002401682548224926},{"text":"Correct.","start":1445.0349,"end":1445.5349,"sentiment":"neutral","sentiment_score":-0.01301353983581066},{"text":"Correct.","start":1451.835,"end":1452.335,"sentiment":"neutral","sentiment_score":-0.007880210876464844},{"text":"So if you so the recommendation factors in canceling your income protection, not your life and PPD.","start":1452.715,"end":1460.3099,"sentiment":"neutral","sentiment_score":-0.07794822226552402},{"text":"Yeah.","start":1462.69,"end":1463.19,"sentiment":"neutral","sentiment_score":0.00361444428563118}],"sentiment":"neutral","sentiment_score":-0.06403813178517989,"num_words":21,"start":1437.7401,"end":1463.19},{"sentences":[{"text":"That includes all all three because that is your current situation.","start":1466.37,"end":1469.9099,"sentiment":"neutral","sentiment_score":-0.0703359144655141},{"text":"So that is if you were to just leave it and make no changes.","start":1469.97,"end":1473.9551,"sentiment":"neutral","sentiment_score":-0.11530526487955026},{"text":"Yes.","start":1474.895,"end":1475.395,"sentiment":"neutral","sentiment_score":0.13139374554157257},{"text":"Mhmm.","start":1478.255,"end":1478.755,"sentiment":"neutral","sentiment_score":0.03260042890906334},{"text":"Mhmm.","start":1484.6699,"end":1485.1699,"sentiment":"neutral","sentiment_score":-0.25370562076568604}],"sentiment":"neutral","sentiment_score":-0.08848857906247888,"num_words":28,"start":1466.37,"end":1485.1699},{"sentences":[{"text":"Mhmm.","start":1491.71,"end":1492.21,"sentiment":"neutral","sentiment_score":-0.20578721165657043},{"text":"It's showing the whole yeah.","start":1506.5249,"end":1508.3949,"sentiment":"neutral","sentiment_score":-0.1892763614654541},{"text":"So what I can what I can do for you so if you scroll up to page 16, which is that is obviously your current versus the recommended.","start":1508.5399,"end":1516.3999,"sentiment":"neutral","sentiment_score":0.02141565437029515},{"text":"You can see the changes in the premium.","start":1516.46,"end":1518.48,"sentiment":"neutral","sentiment_score":0.03902873117476702},{"text":"What I can do for you, though, is I can get the team to draw up, and I can send it in a separate email to you.","start":1518.86,"end":1524.32,"sentiment":"neutral","sentiment_score":0.12329774211954188}],"sentiment":"neutral","sentiment_score":0.04476432159435058,"num_words":69,"start":1491.71,"end":1524.32},{"sentences":[{"text":"Just this table here, but having the premiums the same.","start":1524.675,"end":1529.4751,"sentiment":"neutral","sentiment_score":0.06892987340688705},{"text":"So I can have your current situation, but with the same insurances.","start":1529.4751,"end":1534.535,"sentiment":"neutral","sentiment_score":0.030554327182471752},{"text":"So assuming we cancel income protection, if and then just have the same so that you can see the compounding for that.","start":1535.2351,"end":1543.04,"sentiment":"neutral","sentiment_score":-0.026452428322624077},{"text":"Yeah.","start":1545.4199,"end":1545.82,"sentiment":"neutral","sentiment_score":0.008052939549088478},{"text":"I can get that emailed to you.","start":1545.82,"end":1547.6,"sentiment":"neutral","sentiment_score":0.017480332936559404}],"sentiment":"neutral","sentiment_score":0.01162331744741935,"num_words":52,"start":1524.675,"end":1547.6},{"sentences":[{"text":"It does make a a difference still, though, considering you're not putting anything in.","start":1557.755,"end":1562.415,"sentiment":"neutral","sentiment_score":0.032334212745938985},{"text":"Obviously, the more you put in, the the bigger difference.","start":1562.6599,"end":1565.5599,"sentiment":"neutral","sentiment_score":0.0785791102796793},{"text":"So, obviously, that's kind of it just letting it do its thing without you putting any money in.","start":1566.8999,"end":1572.2,"sentiment":"neutral","sentiment_score":0.07733990417586432},{"text":"So it's it still makes a pretty like, if you think about it, you don't put any extra money in.","start":1572.4199,"end":1577.64,"sentiment":"neutral","sentiment_score":0.31527131944894793},{"text":"It's just kind of by making the change, it just grows by itself.","start":1577.7949,"end":1581.015,"sentiment":"positive","sentiment_score":0.3776519135213815}],"sentiment":"neutral","sentiment_score":0.18460652828216553,"num_words":75,"start":1557.755,"end":1581.015},{"sentences":[{"text":"So it's it's still pretty.","start":1581.5549,"end":1583.6549,"sentiment":"neutral","sentiment_score":0.11229810789227486},{"text":"No.","start":1585.635,"end":1586.115,"sentiment":"neutral","sentiment_score":-0.12011879682540894},{"text":"Sorry.","start":1586.115,"end":1586.515,"sentiment":"neutral","sentiment_score":-0.06807933747768402},{"text":"What I'll do is I will be more than happy to get the team through draft and just email that to you just in a separate email.","start":1586.515,"end":1594.31,"sentiment":"positive","sentiment_score":0.45888584079565825},{"text":"And I will have the insurance premium the same at $1.06 $3.06 and show you everything else the same just so that you can see the difference.","start":1594.93,"end":1604.865,"sentiment":"neutral","sentiment_score":0.23738980293273926}],"sentiment":"neutral","sentiment_score":0.3143071276364756,"num_words":61,"start":1581.5549,"end":1604.865},{"sentences":[{"text":"Now in the appendix later, which is those comparisons for SuperAware and Hostplus, I have done everything exactly the same.","start":1604.865,"end":1612.485,"sentiment":"neutral","sentiment_score":0.20113736689090728},{"text":"So I have done yeah.","start":1612.625,"end":1615.265,"sentiment":"neutral","sentiment_score":0.2762287810444832},{"text":"No.","start":1615.265,"end":1615.505,"sentiment":"neutral","sentiment_score":0.05206667259335518},{"text":"That's okay.","start":1615.505,"end":1616.145,"sentiment":"neutral","sentiment_score":0.16305792331695557},{"text":"I've done insurance premiums the same.","start":1616.145,"end":1618.0851,"sentiment":"neutral","sentiment_score":0.14859460418423018}],"sentiment":"neutral","sentiment_score":0.19628357021685908,"num_words":34,"start":1604.865,"end":1618.0851},{"sentences":[{"text":"I've obviously assumed no adviser fee because if you do move to Australian Super, for example, you're not paying adviser fee.","start":1618.47,"end":1624.63,"sentiment":"neutral","sentiment_score":0.13067148129145303},{"text":"So it is showing everything.","start":1624.63,"end":1625.9299,"sentiment":"neutral","sentiment_score":0.1809404730796814},{"text":"When you have a look at it and the starting balance is a bit less, it is because of that capital gains tax that would come out if you decide to do a full sell down.","start":1626.47,"end":1636.3049,"sentiment":"neutral","sentiment_score":0.11361429343620937},{"text":"Mhmm.","start":1639.085,"end":1639.585,"sentiment":"neutral","sentiment_score":0.05176300182938576},{"text":"Correct.","start":1646.62,"end":1647.12,"sentiment":"neutral","sentiment_score":0.05627819895744324}],"sentiment":"neutral","sentiment_score":0.12260873807827011,"num_words":64,"start":1618.47,"end":1647.12},{"sentences":[{"text":"So we show you yes.","start":1647.58,"end":1649.26,"sentiment":"neutral","sentiment_score":0.07214254066348076},{"text":"Correct.","start":1649.26,"end":1649.74,"sentiment":"neutral","sentiment_score":0.1181487888097763},{"text":"So we show you a yearly fee here, but it's not like a one lump sum that comes out once a year, and that's it.","start":1649.74,"end":1656.86,"sentiment":"neutral","sentiment_score":0.10722591757774352},{"text":"It is divided and correct, but it also gives you that flexibility.","start":1656.86,"end":1662.3351,"sentiment":"neutral","sentiment_score":0.1822051154449582},{"text":"So first of all, it makes it more fair to you because it is because, obviously, your partner is your client.","start":1662.395,"end":1667.5951,"sentiment":"neutral","sentiment_score":0.25888242324193317}],"sentiment":"neutral","sentiment_score":0.16847658914048225,"num_words":64,"start":1647.58,"end":1667.5951},{"sentences":[{"text":"It is reduced to 1.1.","start":1667.5951,"end":1669.6951,"sentiment":"neutral","sentiment_score":0.16469021737575532},{"text":"So it is a percentage of your balance.","start":1670.0751,"end":1672.3151,"sentiment":"neutral","sentiment_score":0.1636095754802227},{"text":"So with market fluctuations, by doing it monthly, it makes it more fair to you with the fluctuations in the market than if we were to do, like, a one off fee.","start":1672.3151,"end":1681.5099,"sentiment":"neutral","sentiment_score":0.20718071749433875},{"text":"If the market was, like, super high at that time, it obviously makes it more fair by doing it monthly, but it also gives you more flexibility because it is not a lock in contract.","start":1681.5099,"end":1692.025,"sentiment":"neutral","sentiment_score":0.25392523599522454},{"text":"So even if you were to go, okay.","start":1692.325,"end":1694.825,"sentiment":"neutral","sentiment_score":0.05006222752854228}],"sentiment":"neutral","sentiment_score":0.20511354239318857,"num_words":88,"start":1667.5951,"end":1694.825},{"sentences":[{"text":"You better go.","start":1695.125,"end":1696.265,"sentiment":"neutral","sentiment_score":0.05852470671137174},{"text":"Correct.","start":1696.405,"end":1696.905,"sentiment":"positive","sentiment_score":0.3688488006591797},{"text":"That all takes you the flexibility so you don't have to, like, sign up for a full twelve months.","start":1698.965,"end":1703.19,"sentiment":"neutral","sentiment_score":0.1934211350193149},{"text":"So if you are like, okay.","start":1703.4299,"end":1704.97,"sentiment":"neutral","sentiment_score":0.0784350261092186},{"text":"Yeah.","start":1705.75,"end":1706.25,"sentiment":"positive","sentiment_score":0.3608618676662445}],"sentiment":"neutral","sentiment_score":0.16836321701606113,"num_words":30,"start":1695.125,"end":1706.25},{"sentences":[{"text":"So yep.","start":1706.3899,"end":1709.85,"sentiment":"positive","sentiment_score":0.38262081146240234},{"text":"Still that.","start":1712.47,"end":1713.11,"sentiment":"neutral","sentiment_score":0.00007062964141368866},{"text":"Yep.","start":1713.11,"end":1713.61,"sentiment":"neutral","sentiment_score":-0.010355289094150066},{"text":"Yeah.","start":1721.205,"end":1721.705,"sentiment":"neutral","sentiment_score":0.010589979588985445},{"text":"Yes.","start":1722.1649,"end":1722.6649,"sentiment":"neutral","sentiment_score":0.06857818365097046}],"sentiment":"neutral","sentiment_score":0.11917082233620542,"num_words":7,"start":1706.3899,"end":1722.6649},{"sentences":[{"text":"I think it is.","start":1723.0449,"end":1724.1849,"sentiment":"neutral","sentiment_score":-0.07020020019263029},{"text":"Yeah.","start":1726.725,"end":1727.22,"sentiment":"neutral","sentiment_score":0.21610099077224731},{"text":"Especially if it's a twelve month commitment.","start":1727.46,"end":1729.62,"sentiment":"neutral","sentiment_score":0.27965291695935385},{"text":"It's a lot more than a twelve month.","start":1729.62,"end":1730.98,"sentiment":"neutral","sentiment_score":0.23395719565451145},{"text":"And it doesn't even have to as in a monthly.","start":1730.98,"end":1732.4199,"sentiment":"neutral","sentiment_score":0.1324237048625946}],"sentiment":"neutral","sentiment_score":0.169625507419308,"num_words":30,"start":1723.0449,"end":1732.4199},{"sentences":[{"text":"It doesn't have to be monthly.","start":1732.4199,"end":1733.5399,"sentiment":"neutral","sentiment_score":0.08151603117585182},{"text":"If you after if you give it two weeks, you guys know.","start":1733.5399,"end":1736.02,"sentiment":"neutral","sentiment_score":0.12069660363097985},{"text":"Like, there's no exit fees.","start":1736.02,"end":1737.2999,"sentiment":"neutral","sentiment_score":0.04991818517446518},{"text":"There's no lock in contracts.","start":1737.2999,"end":1738.6,"sentiment":"neutral","sentiment_score":0.027700383588671683},{"text":"There is nothing like that.","start":1738.9,"end":1740.36,"sentiment":"neutral","sentiment_score":0.025805260986089706}],"sentiment":"neutral","sentiment_score":0.07438104785978794,"num_words":33,"start":1732.4199,"end":1740.36},{"sentences":[{"text":"So it is mhmm.","start":1740.6599,"end":1748.075,"sentiment":"neutral","sentiment_score":0.02940254332497716},{"text":"Yep.","start":1748.075,"end":1748.575,"sentiment":"neutral","sentiment_score":0.01842743158340454},{"text":"Of of your balance of your balance.","start":1758.41,"end":1761.85,"sentiment":"neutral","sentiment_score":-0.012262893042394094},{"text":"Now when you came on board and I'll just wanna get the SOA up.","start":1761.85,"end":1765.37,"sentiment":"neutral","sentiment_score":0.019909030425229242},{"text":"Sorry.","start":1765.37,"end":1765.87,"sentiment":"neutral","sentiment_score":-0.08897329866886139}],"sentiment":"neutral","sentiment_score":0.008887054847070464,"num_words":27,"start":1740.6599,"end":1765.87},{"sentences":[{"text":"When you came on board, you are correct.","start":1765.93,"end":1767.45,"sentiment":"neutral","sentiment_score":-0.05441682878881693},{"text":"There would have been an upfront advice fee.","start":1767.45,"end":1769.835,"sentiment":"neutral","sentiment_score":-0.08454021904617548},{"text":"That is basically to come on board.","start":1770.235,"end":1772.395,"sentiment":"neutral","sentiment_score":-0.02301630617252418},{"text":"Now there was also the ongoing fee.","start":1772.395,"end":1774.715,"sentiment":"neutral","sentiment_score":-0.05355279839464596},{"text":"So the ongoing fee would have always been there.","start":1774.715,"end":1777.615,"sentiment":"neutral","sentiment_score":-0.0841961656179693}],"sentiment":"neutral","sentiment_score":-0.06167706680030395,"num_words":39,"start":1765.93,"end":1777.615},{"sentences":[{"text":"And, hopefully, they did explain that to you at the time because I know you said you weren't communicated.","start":1779.115,"end":1785.7699,"sentiment":"neutral","sentiment_score":-0.04208876653329322},{"text":"Okay.","start":1788.39,"end":1788.89,"sentiment":"neutral","sentiment_score":-0.0482797771692276},{"text":"Yeah.","start":1794.95,"end":1795.45,"sentiment":"neutral","sentiment_score":-0.02931513637304306},{"text":"It's up there.","start":1803.845,"end":1804.985,"sentiment":"neutral","sentiment_score":-0.21225453913211823},{"text":"It is up yeah.","start":1806.005,"end":1807.705,"sentiment":"neutral","sentiment_score":-0.06691657938063145}],"sentiment":"neutral","sentiment_score":-0.0636325504497758,"num_words":28,"start":1779.115,"end":1807.705},{"sentences":[{"text":"Mhmm.","start":1824.495,"end":1824.995,"sentiment":"neutral","sentiment_score":-0.06600784510374069},{"text":"Yeah.","start":1852.445,"end":1852.945,"sentiment":"neutral","sentiment_score":-0.047526635229587555},{"text":"Yeah.","start":1853.565,"end":1854.065,"sentiment":"neutral","sentiment_score":-0.09906984865665436},{"text":"Yeah.","start":1866.46,"end":1866.96,"sentiment":"neutral","sentiment_score":0.020674189552664757},{"text":"Yeah.","start":1873.515,"end":1874.015,"sentiment":"neutral","sentiment_score":-0.05115970969200134}],"sentiment":"neutral","sentiment_score":-0.04861796982586384,"num_words":5,"start":1824.495,"end":1874.015},{"sentences":[{"text":"Yeah.","start":1876.235,"end":1876.735,"sentiment":"neutral","sentiment_score":-0.021576983854174617},{"text":"And and no.","start":1876.875,"end":1877.995,"sentiment":"neutral","sentiment_score":-0.06554025846223037},{"text":"And I hear you.","start":1877.995,"end":1879.115,"sentiment":"neutral","sentiment_score":-0.05304886493831873},{"text":"No.","start":1879.115,"end":1879.355,"sentiment":"neutral","sentiment_score":-0.13327622413635254},{"text":"It totally makes sense.","start":1879.355,"end":1880.475,"sentiment":"neutral","sentiment_score":0.008071891963481903}],"sentiment":"neutral","sentiment_score":-0.04087552886742812,"num_words":13,"start":1876.235,"end":1880.475},{"sentences":[{"text":"And I guess also because it is of your balance.","start":1880.475,"end":1882.85,"sentiment":"neutral","sentiment_score":-0.00546012707054615},{"text":"Right?","start":1882.85,"end":1883.09,"sentiment":"neutral","sentiment_score":-0.010891292244195938},{"text":"So it kind of still goes back through to that that it it's not a performance fee, but it is a percentage of your balance.","start":1883.09,"end":1888.61,"sentiment":"neutral","sentiment_score":-0.04044963076710701},{"text":"Now the more your super balance grows, the more you have in super, obviously, more money for you, but also we get paid more.","start":1888.61,"end":1896.5651,"sentiment":"neutral","sentiment_score":-0.04947825459142526},{"text":"So it is not still mutual beneficial that, yes, it is of your whole balance, but the more balance you have, obviously, the higher the fee.","start":1896.5651,"end":1904.245,"sentiment":"neutral","sentiment_score":-0.2524335923103186}],"sentiment":"neutral","sentiment_score":-0.10264517258592816,"num_words":86,"start":1880.475,"end":1904.245},{"sentences":[{"text":"So it is still that kind of incentive in trying to grow your super as much as possible at the same time.","start":1904.245,"end":1913.55,"sentiment":"positive","sentiment_score":0.4522639093073932},{"text":"But then, like, for for me, right, I don't get I don't get commissions.","start":1913.8501,"end":1918.5901,"sentiment":"neutral","sentiment_score":-0.2383200771042279},{"text":"I don't get anything.","start":1918.65,"end":1919.6101,"sentiment":"negative","sentiment_score":-0.40702710300683975},{"text":"Like, I it's just it's like a flat salary.","start":1919.6101,"end":1921.37,"sentiment":"neutral","sentiment_score":-0.24693312413162655},{"text":"Right?","start":1921.37,"end":1921.845,"sentiment":"neutral","sentiment_score":-0.13223128020763397}],"sentiment":"neutral","sentiment_score":0.05261174231767654,"num_words":50,"start":1904.245,"end":1921.845},{"sentences":[{"text":"So my job is not to sell you on anything.","start":1922.005,"end":1924.565,"sentiment":"neutral","sentiment_score":-0.06425939127802849},{"text":"My job is to help educate you.","start":1924.565,"end":1927.225,"sentiment":"neutral","sentiment_score":0.31762257644108366},{"text":"My job is to help make the best recommendations for you, whatever that might be.","start":1927.2849,"end":1932.585,"sentiment":"positive","sentiment_score":0.393696920077006},{"text":"Now I don't get incentivized in any way, shape, or form in how that is.","start":1932.645,"end":1938.5599,"sentiment":"negative","sentiment_score":-0.3667402724424998},{"text":"Does that make sense?","start":1939.1,"end":1940.1599,"sentiment":"neutral","sentiment_score":-0.08062765188515186}],"sentiment":"neutral","sentiment_score":0.03260006331929974,"num_words":51,"start":1922.005,"end":1940.1599},{"sentences":[{"text":"So it's like, it's not my job to sell.","start":1940.62,"end":1942.38,"sentiment":"neutral","sentiment_score":-0.22127503487798902},{"text":"It's to act in your best interest and do everything for you at the end of the 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lot more red no.","start":2004.755,"end":2006.515,"sentiment":"neutral","sentiment_score":-0.2228348900874456}],"sentiment":"neutral","sentiment_score":-0.2131097748875618,"num_words":10,"start":1965.29,"end":2006.515},{"sentences":[{"text":"But there's a lot more red tape on the industry than what it used to be, a 100 percent.","start":2006.515,"end":2010.215,"sentiment":"neutral","sentiment_score":-0.2464156676279871},{"text":"Yes.","start":2010.69,"end":2011.19,"sentiment":"neutral","sentiment_score":-0.07126518338918686},{"text":"Oh, it used to be not 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do.","start":2495.7449,"end":2503.63,"sentiment":"neutral","sentiment_score":0.06119898099590231}],"sentiment":"neutral","sentiment_score":-0.006632432812138608,"num_words":95,"start":2469.81,"end":2503.63},{"sentences":[{"text":"You can speak to Craig, and you can let me know.","start":2503.63,"end":2506.05,"sentiment":"neutral","sentiment_score":0.027135154825042595},{"text":"Correct.","start":2506.19,"end":2506.69,"sentiment":"neutral","sentiment_score":0.03463245555758476},{"text":"Now what I have done, just so that you know, is that for lie for TPD, not for life, but for TPD, if you get paid out the the benefits, then there are tax consequences as well.","start":2507.23,"end":2525.365,"sentiment":"neutral","sentiment_score":-0.08028463893444152},{"text":"If you are over 60, it's tax free.","start":2525.9849,"end":2529.0,"sentiment":"neutral","sentiment_score":-0.09000319428741932},{"text":"If you're 60, it can be taxed for up to 22%.","start":2529.0,"end":2534.06,"sentiment":"neutral","sentiment_score":-0.0900422910397703}],"sentiment":"neutral","sentiment_score":-0.06393975349526633,"num_words":68,"start":2503.63,"end":2534.06},{"sentences":[{"text":"So what I have yes.","start":2534.68,"end":2537.18,"sentiment":"neutral","sentiment_score":0.03742098286747932},{"text":"So what I have done for the Tax.","start":2537.32,"end":2541.375,"sentiment":"neutral","sentiment_score":0.27613704092800617},{"text":"Yay.","start":2541.375,"end":2541.875,"sentiment":"positive","sentiment_score":0.3634359836578369},{"text":"Mhmm.","start":2544.095,"end":2544.595,"sentiment":"neutral","sentiment_score":-0.07730098068714142},{"text":"Mhmm.","start":2545.855,"end":2546.355,"sentiment":"neutral","sentiment_score":-0.0935995876789093}],"sentiment":"neutral","sentiment_score":0.161796041065827,"num_words":16,"start":2534.68,"end":2546.355},{"sentences":[{"text":"Pay the tax.","start":2552.0151,"end":2552.995,"sentiment":"neutral","sentiment_score":-0.1238259623448054},{"text":"So not for life because as long as that gets paid through, like, your spouse, paid tax rate.","start":2553.24,"end":2559.26,"sentiment":"neutral","sentiment_score":-0.11225510057475832},{"text":"The TPD, because it gets paid to you, is under 22%.","start":2559.32,"end":2563.9,"sentiment":"neutral","sentiment_score":-0.0822448202154853},{"text":"So what I have done just to make sure the mortgage is covered after tax is I've grossed that up.","start":2564.04,"end":2571.7449,"sentiment":"neutral","sentiment_score":-0.0758662486448884},{"text":"So when you look at the quote and you see 427 and you go, well, that's not my mortgage.","start":2572.125,"end":2578.925,"sentiment":"neutral","sentiment_score":-0.06177204964976562}],"sentiment":"neutral","sentiment_score":-0.0843346005069538,"num_words":71,"start":2552.0151,"end":2578.925},{"sentences":[{"text":"It's just grossed up because of the tax.","start":2578.925,"end":2581.08,"sentiment":"neutral","sentiment_score":-0.16649748384952545},{"text":"So if you were to take out the policy before 60 tax come out, I want you to have left enough to pay for the mortgage.","start":2581.08,"end":2589.26,"sentiment":"neutral","sentiment_score":-0.11487049523454446},{"text":"Now, obviously, if it is you wanna reduce it further, it's there.","start":2589.7202,"end":2594.025,"sentiment":"neutral","sentiment_score":-0.04719390797739228},{"text":"But the choice is yours, and it is reducing it further to about $917 a year for both life and PPD.","start":2594.025,"end":2601.885,"sentiment":"neutral","sentiment_score":0.04843982823547863},{"text":"So it yeah.","start":2602.585,"end":2604.4448,"sentiment":"neutral","sentiment_score":0.16951829815904298}],"sentiment":"neutral","sentiment_score":-0.04798783364572695,"num_words":70,"start":2578.925,"end":2604.4448},{"sentences":[{"text":"So so so, yeah, so that is with income protection.","start":2604.505,"end":2610.47,"sentiment":"neutral","sentiment_score":-0.02294060792773962},{"text":"So if you just leave it life and TPD the same and you don't make any changes, so if you leave it at 871, it's 1,635 versus 9 17.","start":2610.47,"end":2624.135,"sentiment":"neutral","sentiment_score":0.0007264971219260117},{"text":"Yeah.","start":2631.875,"end":2632.375,"sentiment":"neutral","sentiment_score":-0.012560635805130003},{"text":"And this is yeah.","start":2634.21,"end":2636.85,"sentiment":"neutral","sentiment_score":-0.008528321050107479},{"text":"Yep.","start":2636.85,"end":2637.35,"sentiment":"neutral","sentiment_score":-0.038075368851423264}],"sentiment":"neutral","sentiment_score":-0.006513043368856112,"num_words":45,"start":2604.505,"end":2637.35},{"sentences":[{"text":"Mhmm.","start":2639.49,"end":2639.99,"sentiment":"neutral","sentiment_score":-0.08219896256923676},{"text":"Yep.","start":2640.85,"end":2641.35,"sentiment":"neutral","sentiment_score":0.13084593415260315},{"text":"Yeah.","start":2643.57,"end":2644.07,"sentiment":"neutral","sentiment_score":0.14582645893096924},{"text":"Yeah.","start":2647.585,"end":2648.085,"sentiment":"neutral","sentiment_score":0.1760585755109787},{"text":"Yep.","start":2649.025,"end":2649.525,"sentiment":"neutral","sentiment_score":0.12708251178264618}],"sentiment":"neutral","sentiment_score":0.0995229035615921,"num_words":5,"start":2639.49,"end":2649.525},{"sentences":[{"text":"Of course.","start":2654.625,"end":2655.365,"sentiment":"neutral","sentiment_score":-0.0408202912658453},{"text":"Financially.","start":2655.9048,"end":2656.4048,"sentiment":"neutral","sentiment_score":-0.0722261518239975},{"text":"Yes.","start":2657.025,"end":2657.525,"sentiment":"neutral","sentiment_score":-0.05065694823861122},{"text":"Yes.","start":2677.335,"end":2677.835,"sentiment":"neutral","sentiment_score":0.03667638450860977},{"text":"Yep.","start":2689.3499,"end":2689.8499,"sentiment":"neutral","sentiment_score":0.13054892420768738}],"sentiment":"neutral","sentiment_score":-0.0062163956463336945,"num_words":6,"start":2654.625,"end":2689.8499},{"sentences":[{"text":"Let's look back.","start":2691.19,"end":2692.17,"sentiment":"neutral","sentiment_score":0.07696242382129033},{"text":"Yeah.","start":2692.5498,"end":2693.0498,"sentiment":"positive","sentiment_score":0.35186833143234253},{"text":"Yep.","start":2695.5251,"end":2696.0251,"sentiment":"neutral","sentiment_score":0.20032477378845215},{"text":"Yep.","start":2697.045,"end":2697.545,"sentiment":"neutral","sentiment_score":0.2232839912176132},{"text":"Yep.","start":2698.565,"end":2699.065,"sentiment":"neutral","sentiment_score":0.3077767789363861}],"sentiment":"neutral","sentiment_score":0.18773444954838073,"num_words":7,"start":2691.19,"end":2699.065},{"sentences":[{"text":"Yeah.","start":2699.685,"end":2700.0051,"sentiment":"neutral","sentiment_score":0.24530284106731415},{"text":"And it covers the mortgage, then you don't have to worry about the mortgage.","start":2700.0051,"end":2702.905,"sentiment":"neutral","sentiment_score":0.1931436721767698},{"text":"But it's also, you know, if something were to happen to you.","start":2702.965,"end":2705.445,"sentiment":"neutral","sentiment_score":0.11215896469851334},{"text":"So it's it's also if something were to happen to you and you can't, you know, do anything, basically, then you might need you might need obviously, you might wanna have the mortgage paid off.","start":2705.445,"end":2718.64,"sentiment":"neutral","sentiment_score":0.018630233726331165},{"text":"But then, also, obviously, because Craig's still working, but there might be more costs associated if you needed more medical assistance, whether you needed to make modifications to the home, like, those kind of things, whether you needed more assistance for the kids, anything like that.","start":2718.7798,"end":2734.105,"sentiment":"neutral","sentiment_score":-0.016793032338761765}],"sentiment":"neutral","sentiment_score":0.03865556037743335,"num_words":108,"start":2699.685,"end":2734.105},{"sentences":[{"text":"So it it's for both.","start":2734.105,"end":2735.565,"sentiment":"neutral","sentiment_score":0.003308737650513649},{"text":"No.","start":2737.7202,"end":2738.2202,"sentiment":"neutral","sentiment_score":-0.2465991973876953},{"text":"No.","start":2739.4001,"end":2739.7202,"sentiment":"neutral","sentiment_score":-0.05446910485625267},{"text":"That's okay.","start":2739.7202,"end":2740.54,"sentiment":"neutral","sentiment_score":-0.019342959858477116},{"text":"Correct.","start":2749.255,"end":2749.755,"sentiment":"neutral","sentiment_score":0.05269838869571686}],"sentiment":"neutral","sentiment_score":-0.02705121450126171,"num_words":10,"start":2734.105,"end":2749.755},{"sentences":[{"text":"Yes.","start":2749.815,"end":2750.315,"sentiment":"neutral","sentiment_score":0.013298003934323788},{"text":"Correct.","start":2750.615,"end":2751.115,"sentiment":"neutral","sentiment_score":-0.007953919470310211},{"text":"100 percent.","start":2757.655,"end":2758.555,"sentiment":"neutral","sentiment_score":0.005948220379650593},{"text":"Sorry.","start":2759.175,"end":2759.675,"sentiment":"neutral","sentiment_score":-0.026202809065580368},{"text":"The TCG, total permanent disability.","start":2759.735,"end":2761.915,"sentiment":"neutral","sentiment_score":0.2527611404657364}],"sentiment":"neutral","sentiment_score":0.12548434184864163,"num_words":10,"start":2749.815,"end":2761.915},{"sentences":[{"text":"That's why so the process goes from it's massive, but it's there for you to read as well.","start":2763.0,"end":2768.04,"sentiment":"neutral","sentiment_score":0.3186377344859971},{"text":"So you can definitely take your time.","start":2768.04,"end":2770.3,"sentiment":"neutral","sentiment_score":0.021805680223873684},{"text":"The recommendation is still valid.","start":2770.84,"end":2773.8,"sentiment":"neutral","sentiment_score":0.14502146393060683},{"text":"Let me triple check because I'm telling you the right thing.","start":2773.8,"end":2775.6401,"sentiment":"neutral","sentiment_score":0.1780150898478248},{"text":"I think it's still valid for another thirty days.","start":2775.6401,"end":2778.06,"sentiment":"neutral","sentiment_score":0.10832435141007106}],"sentiment":"neutral","sentiment_score":0.1909262290596962,"num_words":50,"start":2763.0,"end":2778.06},{"sentences":[{"text":"So you have some time to think about it.","start":2778.5452,"end":2781.8252,"sentiment":"positive","sentiment_score":0.33870406283272636},{"text":"Obviously, speak to Craig as well what you wanna do.","start":2781.8252,"end":2784.725,"sentiment":"neutral","sentiment_score":0.1105512648820877},{"text":"Okay.","start":2787.185,"end":2787.685,"sentiment":"neutral","sentiment_score":0.14752265810966492},{"text":"Good.","start":2787.745,"end":2788.245,"sentiment":"positive","sentiment_score":0.35337674617767334},{"text":"Beautiful.","start":2790.945,"end":2791.445,"sentiment":"positive","sentiment_score":0.534430205821991}],"sentiment":"neutral","sentiment_score":0.23587176474657925,"num_words":22,"start":2778.5452,"end":2791.445},{"sentences":[{"text":"Yes.","start":2795.4302,"end":2795.9302,"sentiment":"neutral","sentiment_score":0.04677456617355347},{"text":"Yes.","start":2796.55,"end":2797.05,"sentiment":"neutral","sentiment_score":0.06560566276311874},{"text":"So, yes, it is valid until the July 27.","start":2797.35,"end":2801.1304,"sentiment":"neutral","sentiment_score":0.08106975505749385},{"text":"So no pressure.","start":2801.9102,"end":2803.59,"sentiment":"neutral","sentiment_score":0.09778488427400589},{"text":"Take your time.","start":2803.59,"end":2804.6501,"sentiment":"neutral","sentiment_score":0.021197220931450527}],"sentiment":"neutral","sentiment_score":0.07052672588649918,"num_words":17,"start":2795.4302,"end":2804.6501},{"sentences":[{"text":"In the appendix, like I said, you have the alternative for the insurances.","start":2804.945,"end":2809.205,"sentiment":"neutral","sentiment_score":0.07850897742005494},{"text":"Now if you guys have a read through the document, you have any other questions, just give me a call and we can book you in for a catch up.","start":2809.825,"end":2816.485,"sentiment":"neutral","sentiment_score":0.10476363437871138},{"text":"If you read through everything and you go, okay.","start":2816.785,"end":2819.585,"sentiment":"neutral","sentiment_score":0.0690907749036948},{"text":"I'm happy with it for the time being, but I would like to go ahead with that reduction of life and TTD.","start":2819.585,"end":2825.92,"sentiment":"neutral","sentiment_score":0.0332989647524135},{"text":"In the document, in the actual statement of advice, there will be a text box.","start":2826.7,"end":2832.3801,"sentiment":"neutral","sentiment_score":0.03945540723701318}],"sentiment":"neutral","sentiment_score":0.06864888814678206,"num_words":89,"start":2804.945,"end":2832.3801},{"sentences":[{"text":"Now that text box allow you to type anything.","start":2832.3801,"end":2835.095,"sentiment":"neutral","sentiment_score":0.0657532670431667},{"text":"So you can type there.","start":2835.095,"end":2836.4749,"sentiment":"neutral","sentiment_score":0.05965306833386421},{"text":"For example, I would prefer to reduce my life and PPD.","start":2837.015,"end":2840.7148,"sentiment":"neutral","sentiment_score":0.050521696833047},{"text":"You can type whatever you want, and that tells me that you want that option.","start":2841.415,"end":2845.115,"sentiment":"neutral","sentiment_score":0.09049732461571694},{"text":"But if you get stuck, just call me, and I can guide you to it.","start":2846.6301,"end":2849.85,"sentiment":"neutral","sentiment_score":0.1260337422291438}],"sentiment":"neutral","sentiment_score":0.08534089841625907,"num_words":55,"start":2832.3801,"end":2849.85},{"sentences":[{"text":"Yes.","start":2859.285,"end":2859.785,"sentiment":"neutral","sentiment_score":0.01393227744847536},{"text":"What for the pre insurances.","start":2860.805,"end":2872.6802,"sentiment":"neutral","sentiment_score":0.009445760957896709},{"text":"So insurances is a yearly, but what they do is they can also pro rata.","start":2874.34,"end":2879.7002,"sentiment":"neutral","sentiment_score":0.012520195605854193},{"text":"So let's say, when when it comes out, if you let's say, you pay for twelve months, but let's say after two two months in, you go, no.","start":2879.7002,"end":2889.305,"sentiment":"neutral","sentiment_score":-0.0017552866733499936},{"text":"I'm reducing the cover.","start":2889.305,"end":2890.685,"sentiment":"neutral","sentiment_score":-0.04587338259443641}],"sentiment":"neutral","sentiment_score":0.0003079709263061577,"num_words":53,"start":2859.285,"end":2890.685},{"sentences":[{"text":"They will then refund you for the rest of the ten months.","start":2890.745,"end":2894.425,"sentiment":"neutral","sentiment_score":0.16605016061415276},{"text":"So it's not like that time sensitive in that way unless you go so they go back to yes.","start":2894.425,"end":2902.84,"sentiment":"neutral","sentiment_score":0.015493368827982953},{"text":"Yeah.","start":2905.38,"end":2905.88,"sentiment":"neutral","sentiment_score":0.009135731495916843},{"text":"Yep.","start":2910.6748,"end":2911.1748,"sentiment":"neutral","sentiment_score":-0.022292785346508023},{"text":"No.","start":2911.795,"end":2912.295,"sentiment":"neutral","sentiment_score":-0.1476665437221527}],"sentiment":"neutral","sentiment_score":0.0625338922802578,"num_words":34,"start":2890.745,"end":2912.295},{"sentences":[{"text":"No.","start":2916.115,"end":2916.275,"sentiment":"neutral","sentiment_score":-0.1428007036447525},{"text":"No.","start":2916.275,"end":2916.595,"sentiment":"neutral","sentiment_score":-0.1805838644504547},{"text":"It's not.","start":2916.595,"end":2917.315,"sentiment":"neutral","sentiment_score":-0.09808770567178726},{"text":"Yes.","start":2917.315,"end":2917.815,"sentiment":"neutral","sentiment_score":-0.009251704439520836},{"text":"Good question, though.","start":2918.1948,"end":2919.4148,"sentiment":"neutral","sentiment_score":-0.008412584662437439}],"sentiment":"neutral","sentiment_score":-0.06925617973320186,"num_words":8,"start":2916.115,"end":2919.4148},{"sentences":[{"text":"But no.","start":2919.9548,"end":2920.515,"sentiment":"neutral","sentiment_score":-0.05190916545689106},{"text":"You can take the time.","start":2920.515,"end":2921.6348,"sentiment":"neutral","sentiment_score":0.022460027039051055},{"text":"It was a very good question, though.","start":2921.6348,"end":2923.4148,"sentiment":"neutral","sentiment_score":0.16492643526622228},{"text":"But no.","start":2923.9548,"end":2924.73,"sentiment":"neutral","sentiment_score":-0.015136518515646456},{"text":"You can take your time.","start":2924.73,"end":2925.93,"sentiment":"neutral","sentiment_score":0.02674718350172043}],"sentiment":"neutral","sentiment_score":0.060306177696301824,"num_words":21,"start":2919.9548,"end":2925.93},{"sentences":[{"text":"So all the information is there.","start":2925.93,"end":2927.71,"sentiment":"neutral","sentiment_score":0.29446816568573314},{"text":"Now I will leave that with you and Craig.","start":2928.01,"end":2929.93,"sentiment":"neutral","sentiment_score":0.2064202825228373},{"text":"Would you like me to set up a time to call you back, or do you wanna just take your time, have a bit of a read over it, and then let me know how you go?","start":2929.93,"end":2936.65,"sentiment":"neutral","sentiment_score":0.19079596448589015},{"text":"And, otherwise, I'll get my colleague, Whitlam, to touch base in a couple of days just to check-in.","start":2936.65,"end":2942.7048,"sentiment":"neutral","sentiment_score":0.13460984329382578},{"text":"Yes.","start":2945.165,"end":2945.665,"sentiment":"neutral","sentiment_score":0.1548691987991333}],"sentiment":"neutral","sentiment_score":0.1867871633927587,"num_words":71,"start":2925.93,"end":2945.665},{"sentences":[{"text":"Yep.","start":2946.6848,"end":2947.1848,"sentiment":"neutral","sentiment_score":0.1665186583995819},{"text":"Beautiful.","start":2947.565,"end":2948.065,"sentiment":"positive","sentiment_score":0.4937995672225952},{"text":"Yep.","start":2949.005,"end":2949.505,"sentiment":"neutral","sentiment_score":0.03348428010940552},{"text":"Yep.","start":2950.525,"end":2951.025,"sentiment":"neutral","sentiment_score":-0.030095931142568588},{"text":"Yep.","start":2951.085,"end":2951.585,"sentiment":"neutral","sentiment_score":-0.008731331676244736}],"sentiment":"neutral","sentiment_score":0.13099504858255387,"num_words":5,"start":2946.6848,"end":2951.585},{"sentences":[{"text":"Yes.","start":2953.9302,"end":2954.4302,"sentiment":"neutral","sentiment_score":0.027761518955230713},{"text":"Yep.","start":2957.1301,"end":2957.6301,"sentiment":"neutral","sentiment_score":-0.03731684759259224},{"text":"I will call you.","start":2960.1702,"end":2961.47,"sentiment":"neutral","sentiment_score":-0.0739956833422184},{"text":"Yes.","start":2963.05,"end":2963.55,"sentiment":"neutral","sentiment_score":0.028434909880161285},{"text":"Yes.","start":2963.85,"end":2964.25,"sentiment":"neutral","sentiment_score":0.07084274291992188}],"sentiment":"neutral","sentiment_score":-0.025782551150768995,"num_words":8,"start":2953.9302,"end":2964.25},{"sentences":[{"text":"I will.","start":2964.25,"end":2964.73,"sentiment":"neutral","sentiment_score":0.16299576684832573},{"text":"I will.","start":2964.73,"end":2965.47,"sentiment":"neutral","sentiment_score":0.04978971928358078},{"text":"No worries.","start":2965.53,"end":2966.33,"sentiment":"neutral","sentiment_score":0.039012778550386436},{"text":"Now thank you so much, Shannon.","start":2966.33,"end":2968.395,"sentiment":"positive","sentiment_score":0.48241665214300156},{"text":"Anything at any point in time, just call me.","start":2968.775,"end":2971.6548,"sentiment":"neutral","sentiment_score":0.06531477512584792}],"sentiment":"neutral","sentiment_score":0.18980616277882031,"num_words":21,"start":2964.25,"end":2971.6548},{"sentences":[{"text":"Okay?","start":2971.6548,"end":2972.1548,"sentiment":"neutral","sentiment_score":0.043784383684396744},{"text":"No.","start":2973.083,"end":2973.323,"sentiment":"neutral","sentiment_score":-0.08881675451993942},{"text":"That's fine.","start":2973.323,"end":2973.803,"sentiment":"neutral","sentiment_score":0.059035852551460266},{"text":"Everyone does it.","start":2973.803,"end":2974.523,"sentiment":"neutral","sentiment_score":0.2963925004005432},{"text":"It's more common.","start":2974.523,"end":2975.4229,"sentiment":"neutral","sentiment_score":0.0830182693898678}],"sentiment":"neutral","sentiment_score":0.12112716436386109,"num_words":10,"start":2971.6548,"end":2975.4229},{"sentences":[{"text":"So that's fine.","start":2975.883,"end":2977.023,"sentiment":"neutral","sentiment_score":0.053007605175177254},{"text":"All good, Shannon.","start":2978.043,"end":2979.083,"sentiment":"positive","sentiment_score":0.44980983932813007},{"text":"No worries.","start":2979.083,"end":2979.563,"sentiment":"neutral","sentiment_score":0.099163968116045},{"text":"We'll speak soon.","start":2979.563,"end":2980.523,"sentiment":"neutral","sentiment_score":0.11859212815761566},{"text":"Bye.","start":2980.523,"end":2981.023,"sentiment":"neutral","sentiment_score":0.125358909368515}],"sentiment":"neutral","sentiment_score":0.18232629696528116,"num_words":12,"start":2975.883,"end":2981.023},{"sentences":[{"text":"Bye.","start":2982.203,"end":2982.703,"sentiment":"neutral","sentiment_score":-0.10371153056621552}],"sentiment":"neutral","sentiment_score":-0.10371153056621552,"num_words":1,"start":2982.203,"end":2982.703}]}}]},{"alternatives":[{"transcript":"If you record your name and reason for calling, I'll see if this person is available. Thanks. Please stay on the line. Hello? Yes. Speaking. Hi, Veronica. I'm well. Thanks. How are you? That's good. Yes. Yes. Yeah. No. Now's great. Thank you. Sure. That's fine. Yep. Shannon Leah Dickinson. 20 Martha Street, Bakersfield 6162, and 05/28/1976. Yeah. It's been good. I've got the kids off to school. It's been cold, and now just prepping for husband to fly in here this afternoon. So, yeah, getting on the system. That's okay. No. It's fine. Yep. Hold on. Just walk into the other room. Yep. Okay. Sure. Yeah. No. That's great. Give me two second. Did you only just send it? Yeah. Let's have a look. Nope. Just I here we go. See my card. Just a minute. Okay. Yeah. Yep. Yeah. Thank you. So is that the Ascendant, the insurance? Is that what you said? Yep. Yep. Alright. Hang on. There's the appendix. I'm just looking for that. I've got Oakview PDF, investment booklet, call menu, hub 24, just the PDF, additional information booklet, send the insurance PDF, and the SOA oh, sorry. The SOA. Yep. Down button. Yep. Cool. So is that the one you want me to open? Okay. Okay. Okay. Okay. Yep. Yeah. Okay. Cool. Thank you. So yeah. So are you wanting to go through this with me, or am I to have a rate and then we go through it later? Or how do you wanna go about it? Yeah. Yeah. Yeah. So I say that I'm still yeah. No. That's fine. I say that I'm still in high growth. So what if we recommended from here? Yep. Yeah. Yeah. Okay. Mhmm. So I see that this income protection, I'm paying 3,000 a year. Is that right? I mean, is that currently the yearly premium, or is that what I would get? I'm just looking at this, Asenda, your current risk protection portfolio. I've just like, I was just scrolling through page nine. Yeah. This is what I currently have. Right? Okay. Premium $2,700, and that's what I get. Or that's what yeah. So that's what would get paid out to Harvey if something happened to me. Yeah. Yeah. Okay. That can definitely get dropped down. Oh, thank you. Okay. We'll do that. Yeah. We can just go in we can just go in go in order of the paperwork. Yeah. Make it easy for me. Mhmm. Well, no. Not happy to stay in the high growth risk profile, but not happy to change when I'd be going to be selling high growth or low. I just don't think it's the I needed sort of like well, that's why I'm speaking to you because you're the expert. I just feel like the high growth at that point was very volatile, and to be selling it for more safe options before it sort of bounces back a little bit is probably the wrong time to sell. Is that right? I'm not sure. I don't know if I do if my understanding's that. Correct. Yeah. Time. Yeah. Yeah. Yeah. Correct. Yeah. So I'm happy for it to stay where it is, but when the next really good opportunity to sort of buy like, to to sell and buy into a more sort of medium growth, that would be, you know, medium to save. Yeah. I'm sort of like so if whilst we've got the time, I'd like to allow it to grow, but then when there's a really good opportunity to sell it before it drops out again because, you know, it's just so volatile. I just don't need the stress of it. Yeah. I'm happy with, like, once a quarter. Like, previously, it's been, like, once a year. Like, look, if if something happens where you're like, oh, hang on a minute. I'm not gonna leave it to once a quarter. If if if there's movement in the market, anything okay. This is a really good time for Sean to double down to, like, to sort of transfer. Yeah. Please. Not like it's been for the last whoever I was with previously, I didn't even know Alan West Richard moves. You know? I I didn't even know he'd so yeah. Anyway well and I wasn't replying because it was I wasn't impressed with the 1% growth over the year. And I'm like, oh my god. Or to sell when there's only been 1% growth, I'm obviously gonna lose a whole lot of money if it's that low. Sort of want it to bounce back a little bit before we I don't know. Unless it's just been really bad really bad investment investing. Unless, you know, they're very bad investment choices of funds in the beginning from whoever was doing the job before you. Do you know what I mean? I don't know. I don't know. Thanks. Yeah. 15. Oh, 16. Sorry. Yep. Yep. Yep. Yeah. No. That's great. Yeah. Sorry. Here you go. Okay. Well, it's a factor when it's a factor only when the growth was so low. And okay. I you don't know when you're looking at that growth. Okay. Look. What what's the performance across the whole the wider so, like, landscape? But is it just, like, if it's 1% and, you know, everyone else is doing that point 5%, then you're like, okay. Well, actually, you're doing quite well relatively. Right? But the thing is when you're, like, looking around and going, hang on a minute. Why are we why are we doing even bothering being so sophisticated when it's 1% and there's other places being, like, eight? Yeah. Value. Value. Economics is all about fun. Why the hell am I gonna go for something a little bit more expensive, a little bit more complex, a little bit harder for me to manage myself if it's gonna cost me, like, so much more. I'm like, come on. I'm sorry. I'm not trying I'm not not trying to I just got sold it so well in the beginning that I sort of, you know, just sat on my hands for a little bit hoping that this would resolve itself and that there would be some sort of some sort of reason to continue or to keep staying. You know how you have to sort of give things time to show them to show their their their cards. But yeah. And so yeah. So I sorta hadn't I was avoiding a lot of the phone calls from Oakview because I was waiting to sorta see proof in the pudding and yeah. Yeah. So it's been great. Thank you. I look forward to receiving this. It's gonna take me a little bit to actually read through it properly. I really do appreciate. Yeah. You've done a lot of work here. I can see that. Mhmm. Yeah. We do. Yep. Yeah. It's a bit cheaper. So why does my why would the balance start out at $86,003.85 instead of instead of as the same? 80 7. Is that a rollover? Like, is that a is that a charge for the SMA, or is that like, what's that for? Yeah. Got you. Yeah. Yeah. Yeah. Which isn't really that much considering my consider it just well, that just is because there hasn't been that much growth. Do you know what I mean? Right. Yeah. Okay. Yeah. Yeah. Well, you would sort of hope that, look, when you're looking from 6.93%, it would progress to 9.8 and with the the speed in which you can action changes and stuff to be a bit more efficient, that should be recovered fairly quickly. So is that on top of the existing, or is that the total? Like, so lump sum in ten years, 74 how does the lump sum in five years go to 81 down to 74? Like, current how And my fees are actually a lot greater than, like, than what like, if it's if it's yeah. Fuck. Okay. Yeah. Yep. No. Yep. Can I sort of say because, like, for it to be going from 81,000, like, dropping to 74, that's and then to so the recommendation is it would just be trouble? So that is my forecast lump sum in ten years to be about a 100 and $20. Okay. It's not that much of a big difference, really, but, like, it is that I know when you sort of look at all these things, oh, you're skipping me from here to here. I know. When you're not putting anything in, I know. It's you don't really expect much. Well, I've got another $10 sitting there in a different one that I just haven't rolled over because I was looking that I I've been trying to decide which way do I roll. Do I roll in or do I roll out? Like, I've found another account, and I was like, oh, didn't realize that one was there. So this is taking into so on this recommendation, like, the lump sum in ten years, a hundred and twenty, that's including the deductions from my income protection, TPD, and everything every year. So that figure, if I was to cancel, that would actually be quite higher. Okay. That okay. And so that current, does that include canceling it? Oh, wow. So if I was to keep it, what would that recommend? I'd like to see I don't really like seeing the current $74 being compared to the recommendation because that recommendation, which brings up to a 120, you know, a lump sum in ten years, they're not really it's not really showing that could just it's not showing much it's not showing an accurate increasing performance of super superannuation only. It's just showing the deductions of, like, the removal of the removal of the income. Yeah. Protection. Yeah. Yeah. Just just trying to to compare like for like rather than yeah. I'm just wondering. It I guess it doesn't really matter so much, but I'm just like, oh, you know, because if if you're only gonna make, like, $45 in ten years, that's not very much. Okay. Yeah. Yeah. But, you know, at least right now, I think, Sorry. Okay. Hey. No. That's all fine. Thanks, Veronica. Yeah. Yep. So that adviser service fee, the 9 $52.09 64, that's yearly, is it? And that gets sort of broken down into monthly sort of is that right? Yeah. Gets broken down to a monthly. Yeah. Kind of sort of goes both ways. More fair for us, more fair for you. Mhmm. Yeah. No. That's great. Yeah. Happy to do the monthly rollover at the moment just to see how we go. I'll have a read into all of that. Yeah. But when when they kept ringing me previously going, oh, you know, it's kinda it's, you know, through up for renewal up for, like, twelve months. I'm like, oh, that's gotta be commitment. Let me read and get through it. And then it just keeps rolling over and rolling over because it's been like, my god. Like, good. Yeah. Yeah. Well, because we paid when we first so when we first joined, it was, like, a 3,000 joining fee. I understood. And now we've rolled on to monthly ongoing costs that are 1.1% of our is it our balance, or is it just of the growth? Yeah. It was 3,000. No. I was fine with the ongoing fees, but it's just kind of like I there was an understanding of I'm just trying to understand these ongoing fees. Are they I thought they were a percentage of the income generated of the the growth, not of the whole balance. Because, like, what's what's yeah. Because why should I pay you 1.1% of my whole balance if it's not really growing that fast? Like, you know, it's just not saying, like, it should just almost like, when we first started, it was like I understood that we paid $3,000 joining fee, and then we'd be paying percentage of growth. We'd be paying a percentage of the actual performance of the performance of the of the actual of the growth of the balance as opposed to just being the whole balance. Because otherwise, what incentive if you go, oh, they got $880 there. I'm just gonna get 1.1% of that. If you're in, why should I try and grow it? Do you know what I mean? Because I've I'm I'm locked into that. It's like, why would a real estate agent try and get the highest highest house price for someone when they're gonna get $15 anyway for the house sale? They just wanna do as many as they can, punch as many through as get as many sales as they can. Are they actually doing the best job that they can and getting the best for the client? You just don't know. Or are they just trying to punch through as many as they can? You know? Does that make sense? Bless you. Yep. Yep. Thank you. It's just been such a a rather shitty thing to be Genex with the whole superannuation having the introduction of superannuation and how it's you know, you get, like, a new fund for pretty much like, we've lost so much of our superannuation with the poor setting up of the whole thing and it being so difficult to actually follow. Like, I remember being you know, going out to your first jobs and all of a sudden, you get a new superannuation. You I I remember going to my previous financial adviser with something like 15 or 22 different superannuation funds to to all be rolled into from when I was traveling and working, and and it's kind of like the building of your superannuation. Now they're like, oh, no. It's, you know and then you have an insurance in all the different funds that now it's illegal to to to, you know, for or not illegal, but the I'm not even educated in this area. It's in yeah. It used to just be a money grab, and people just be, like, stealing, like, through insurance fees out of every single fund you've got to the point that you had actually accumulated a little bit of balance. And then all of a sudden, you go overseas for a couple years, come back, you got nothing left. It's just and it was just or and yeah. And we're not and you don't get educated about that at school, but you have to learn about, you know, you have to learn about other shit. Like, nobody ever teach you about tax, superannuation, or the different types of bills and utilities that you're gonna have to pay when you leave home or how you're gonna have to navigate all of that. But you're like yeah. You learn about a whole we learn geometry and trig, which well, why don't you just sit there and teach me more about finance? And, yeah, why is economics just an elective and not an actual you know, it just varies, yeah, a compulsory. Like, I'm looking at at my son's math at the moment. And rather than just really drilling down on the basics and going through, like, sort of the teach them how to run a business. Teach them, like, do a bloody MBA in year 12 rather than doing freaking geometry and trigon, algebra, and all the things. Like, do that as an elective. Like like, that's not necessary. Like anyway and so what my point is that superannuation is just such a hard thing to trust because of the fact that it's just always been well, not so much that it's changed. It's just that that, like, it's always just been so hard to actually they they they cover it up in so much paperwork and so much whatever in the hopes that people won't read it and not really understand it going. Then it's just like a sentence again. Oh, yeah. That's yeah. I'm yeah. Don't worry. I'm I'm not even making sense when I talk about this, but I just have such a mistrust in it. And it's only and it because I'm not educated because that is the one thing that they should be teaching people, like, the kids that at school should actually be learning how to live their life and their leave rather than having to, like, hope that you've got educated parents that can teach you these things. We never actually got taught at school because it didn't exist. And then you end up with and nobody actually taught you. It's just like all this mumbo jumbo jargon that goes over everybody's heads, and nobody really understands what's going on. And you got ten, fifteen superannuation things, and then you gotta try and become a a a specialist in the situation overnight. And that's why we roll over to you guys thinking, okay. This is great. You guys have a bit of a better understanding of it than we do. And then you're like, oh, wow. 1% growth. Fuck. Like, well, jeez. Does anyone really know what's going on? Yep. Yeah. And that's the hard thing. Mhmm. Exactly. And if you're not if you're a busy mom or you're busy working and doing all the other things and you're not and you're trying to go screen free and keep scary news off the TV in front of small children, you're not watching the news every night, following the markets, and staying abreast of things that you probably would have been back in the day when and but I'm not at the moment because I don't want my kids growing up watching what's going on and and having a fear of what's happening, etcetera. And so this and then whenever you pick up your phone, everything follows an algorithm, and so you're not necessarily getting the news that you wanna read anyway. And unless you're sitting down in front yeah. And unless you actually yeah. K. Yeah. And so and yeah. So I do ask you to sort of, like thanks for being patient with me and my obvious mistrust and slow replies and all that with wanting to read and shit. Yeah. Thanks. Yeah. I think we're all just like but I think it's also just like we're only it's like with the it's like with the Internet with anything. Like, you don't actually know what's like, it's it's like a a system is only is only as good as the people people's knowledge of it and understanding of it and and practice using it. And so I complained about all the superannuation palaver of where of my youth and growing up, and I guess that's because everyone was learning. It's a new system. Everyone's trying to review and revise, drill down, and make it better. And as it as we're getting older, we're getting better. But it's now at the age of 50, it's like going, okay. I can't just set and forget and go I'll I'll come back to that later. I actually need to do make some informed decisions, and so I do actually need to put the time aside to actually read it. I do need to make a better effort because I'm looking at, wow, that's not a really very good forecast of a $120 in ten years at the age of 60 for me. That's actually frightening. You know what I mean? I'm lucky that Craig's is a little higher, but that essentially is that is not a safe unit at all to be going into a retirement for. Luckily luckily, we we will you know, we're close to we will be owning our home in about eight to ten years. So that will be fine, and we can rent out the back. And I'm like, holy shit. That's that's not even my husband's wage for one year. You know what I mean? Like so it's kinda frightening when we start looking at things. Hi. Yeah. Oh, it's a huge difference. Yeah. It is. It's massive. I do have an extra yeah. I will read through this, and then hopefully, you can roll into if like, because if you're paying all the fees and everything anyway, then the higher to the fees, I guess, you get paid more, obviously. Oh, not you, but the business gets a greater percentage of your balance. But if the balance is larger, it's still a small percent. Do you know what I mean? Yeah. I don't yeah. Because Okay. That's on the appendix. Right. Okay. Beautiful. Oh, this. God. I love it. It's like Raven Pierce. Oh, yeah. You've already paid for this, so we're gonna tax you again when you when you actually get any. You've only paid for this all your life, but when we pay you out, you're gonna have to pay to receive it and and lose. Yeah. Okay. Got you. Yeah. That's way better. Because currently, it is two what? Two inside. Just lost the page. Yeah. See, because, like because it's all like, I obviously would need a massive payout if something happens to my husband. But my husband essentially could continue his life as is and wouldn't need such a massive like, his job, everything. Yes. With the working away, he could essentially have his mom or my mom live here or have an au pair and be fine, and it would be continue on as normal. No. It would be much better for we don't actually want that to happen. But but I'm wondering no. Obviously, that's not what we want. But I'm just wondering what is the actual, like, having all those insurances in place because I'm probably the more healthy one in the relationship anyway and all those sort of things. I'm just wondering, is it how necessary is it to actually have them in there? Like like, it's only a thousand like, so 800 $900 a year is definitely it's definitely half. So that's a no brainer. We'll go ahead with that 100%. Like, to reduce it pretty much as to the bare minimum to make it comfortable for him, but yep. Yes. Yes. Yeah. Right. Okay. Is that it's there. Yeah. Sorry to be a pain. I know you're you gotta go. Just quickly with what is there? And the product disclosure statement that includes the what it actually covers you for, the TBD? Because, like, because, like, what about cancer and things like all those? You know? Like, so all of that's in there for me to be able to read through what it does and doesn't cover you for? Okay. Great. Yeah. No. That's okay. Great. Mhmm. That's alright. He's home tonight, and we're gonna review all this sort of stuff over the probably the next few days anyway. So doing a bit of a financial order at the moment just along with tax and all that. You know what it's like comes to that time of year. Oh, Excellent. Oh, no. Before then. Great. Yep. Okay. Great. So yeah. So is there a way that I can action that pretty much immediately and still be reading through all of the superannuation part of it? Like, how often like, is it how often does the is that, like, a monthly installment for the or is it, like, a a a 12 monthly sort of deduction for the you know, how it's yeah. Oh, okay. Okay. Great. Yeah. No. Great. That's that's that's what I wanted to find out. I was like, oh, shit. Have I just paid? It's like you you upgrade your like, every April, you pay your credit card for $3.95. But then it's like, if you miss it in, you know, next May, you've you've paid for it already for the year. You might as well wait till April before you shop around. But, you know what I mean? So is that whereabouts when will this renew? Pardon? Yeah. Yeah. Excellent. Yep. Yeah. I I'll buzz you guys back in a couple of days, I think, sort of over the next week before next Thursday because Craig flies out next Thursday, so we'll have discussed that. But if you haven't heard from me in by the July 20, just before this expires, can you please chase me? Thank you. Thank you. Cheers for that, Victoria. Thank you. Bye. I just called you Victoria. Thank you. Is is it? Okay. Thank you. Bye. Bye. Bye. Thank you. 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you record your name and reason for calling, I'll see if this person is available. Thanks. Please stay on the line. Hello? Yes.\n\nSpeaking. Hi, Veronica. I'm well. Thanks. How are you?\n\nThat's good. Yes. Yes. Yeah. No.\n\nNow's great. Thank you. Sure. That's fine. Yep.\n\nShannon Leah Dickinson. 20 Martha Street, Bakersfield 6162, and 05/28/1976. Yeah. It's been good. I've got the kids off to school.\n\nIt's been cold, and now just prepping for husband to fly in here this afternoon. So, yeah, getting on the system. That's okay. No. It's fine.\n\nYep. Hold on. Just walk into the other room. Yep. Okay.\n\nSure. Yeah. No. That's great. Give me two second.\n\nDid you only just send it? Yeah. Let's have a look. Nope. Just I here we go.\n\nSee my card. Just a minute. Okay. Yeah. Yep.\n\nYeah. Thank you. So is that the Ascendant, the insurance? Is that what you said? Yep.\n\nYep. Alright. Hang on. There's the appendix. I'm just looking for that.\n\nI've got Oakview PDF, investment booklet, call menu, hub 24, just the PDF, additional information booklet, send the insurance PDF, and the SOA oh, sorry. The SOA. Yep. Down button. Yep.\n\nCool. So is that the one you want me to open? Okay. Okay. Okay.\n\nOkay. Yep. Yeah. Okay. Cool.\n\nThank you. So yeah. So are you wanting to go through this with me, or am I to have a rate and then we go through it later? Or how do you wanna go about it? Yeah.\n\nYeah. Yeah. So I say that I'm still yeah. No. That's fine.\n\nI say that I'm still in high growth. So what if we recommended from here? Yep. Yeah. Yeah.\n\nOkay. Mhmm. So I see that this income protection, I'm paying 3,000 a year. Is that right? I mean, is that currently the yearly premium, or is that what I would get?\n\nI'm just looking at this, Asenda, your current risk protection portfolio. I've just like, I was just scrolling through page nine. Yeah. This is what I currently have. Right?\n\nOkay. Premium $2,700, and that's what I get. Or that's what yeah. So that's what would get paid out to Harvey if something happened to me. Yeah.\n\nYeah. Okay. That can definitely get dropped down. Oh, thank you. Okay.\n\nWe'll do that. Yeah. We can just go in we can just go in go in order of the paperwork. Yeah. Make it easy for me.\n\nMhmm. Well, no. Not happy to stay in the high growth risk profile, but not happy to change when I'd be going to be selling high growth or low. I just don't think it's the I needed sort of like well, that's why I'm speaking to you because you're the expert. I just feel like the high growth at that point was very volatile, and to be selling it for more safe options before it sort of bounces back a little bit is probably the wrong time to sell.\n\nIs that right? I'm not sure. I don't know if I do if my understanding's that. Correct. Yeah.\n\nTime. Yeah. Yeah. Yeah. Correct.\n\nYeah. So I'm happy for it to stay where it is, but when the next really good opportunity to sort of buy like, to to sell and buy into a more sort of medium growth, that would be, you know, medium to save. Yeah. I'm sort of like so if whilst we've got the time, I'd like to allow it to grow, but then when there's a really good opportunity to sell it before it drops out again because, you know, it's just so volatile. I just don't need the stress of it.\n\nYeah. I'm happy with, like, once a quarter. Like, previously, it's been, like, once a year. Like, look, if if something happens where you're like, oh, hang on a minute. I'm not gonna leave it to once a quarter.\n\nIf if if there's movement in the market, anything okay. This is a really good time for Sean to double down to, like, to sort of transfer. Yeah. Please. Not like it's been for the last whoever I was with previously, I didn't even know Alan West Richard moves.\n\nYou know? I I didn't even know he'd so yeah. Anyway well and I wasn't replying because it was I wasn't impressed with the 1% growth over the year. And I'm like, oh my god. Or to sell when there's only been 1% growth, I'm obviously gonna lose a whole lot of money if it's that low.\n\nSort of want it to bounce back a little bit before we I don't know. Unless it's just been really bad really bad investment investing. Unless, you know, they're very bad investment choices of funds in the beginning from whoever was doing the job before you. Do you know what I mean? I don't know.\n\nI don't know. Thanks. Yeah. 15. Oh, 16.\n\nSorry. Yep. Yep. Yep. Yeah.\n\nNo. That's great. Yeah. Sorry. Here you go.\n\nOkay. Well, it's a factor when it's a factor only when the growth was so low. And okay. I you don't know when you're looking at that growth. Okay.\n\nLook. What what's the performance across the whole the wider so, like, landscape? But is it just, like, if it's 1% and, you know, everyone else is doing that point 5%, then you're like, okay. Well, actually, you're doing quite well relatively. Right?\n\nBut the thing is when you're, like, looking around and going, hang on a minute. Why are we why are we doing even bothering being so sophisticated when it's 1% and there's other places being, like, eight? Yeah. Value. Value.\n\nEconomics is all about fun. Why the hell am I gonna go for something a little bit more expensive, a little bit more complex, a little bit harder for me to manage myself if it's gonna cost me, like, so much more. I'm like, come on. I'm sorry. I'm not trying I'm not not trying to I just got sold it so well in the beginning that I sort of, you know, just sat on my hands for a little bit hoping that this would resolve itself and that there would be some sort of some sort of reason to continue or to keep staying.\n\nYou know how you have to sort of give things time to show them to show their their their cards. But yeah. And so yeah. So I sorta hadn't I was avoiding a lot of the phone calls from Oakview because I was waiting to sorta see proof in the pudding and yeah. Yeah.\n\nSo it's been great. Thank you. I look forward to receiving this. It's gonna take me a little bit to actually read through it properly. I really do appreciate.\n\nYeah. You've done a lot of work here. I can see that. Mhmm. Yeah.\n\nWe do. Yep. Yeah. It's a bit cheaper. So why does my why would the balance start out at $86,003.85 instead of instead of as the same?\n\n80 7. Is that a rollover? Like, is that a is that a charge for the SMA, or is that like, what's that for? Yeah. Got you.\n\nYeah. Yeah. Yeah. Which isn't really that much considering my consider it just well, that just is because there hasn't been that much growth. Do you know what I mean?\n\nRight. Yeah. Okay. Yeah. Yeah.\n\nWell, you would sort of hope that, look, when you're looking from 6.93%, it would progress to 9.8 and with the the speed in which you can action changes and stuff to be a bit more efficient, that should be recovered fairly quickly. So is that on top of the existing, or is that the total? Like, so lump sum in ten years, 74 how does the lump sum in five years go to 81 down to 74? Like, current how And my fees are actually a lot greater than, like, than what like, if it's if it's yeah. Fuck.\n\nOkay. Yeah. Yep. No. Yep.\n\nCan I sort of say because, like, for it to be going from 81,000, like, dropping to 74, that's and then to so the recommendation is it would just be trouble? So that is my forecast lump sum in ten years to be about a 100 and $20. Okay. It's not that much of a big difference, really, but, like, it is that I know when you sort of look at all these things, oh, you're skipping me from here to here. I know.\n\nWhen you're not putting anything in, I know. It's you don't really expect much. Well, I've got another $10 sitting there in a different one that I just haven't rolled over because I was looking that I I've been trying to decide which way do I roll. Do I roll in or do I roll out? Like, I've found another account, and I was like, oh, didn't realize that one was there.\n\nSo this is taking into so on this recommendation, like, the lump sum in ten years, a hundred and twenty, that's including the deductions from my income protection, TPD, and everything every year. So that figure, if I was to cancel, that would actually be quite higher. Okay. That okay. And so that current, does that include canceling it?\n\nOh, wow. So if I was to keep it, what would that recommend? I'd like to see I don't really like seeing the current $74 being compared to the recommendation because that recommendation, which brings up to a 120, you know, a lump sum in ten years, they're not really it's not really showing that could just it's not showing much it's not showing an accurate increasing performance of super superannuation only. It's just showing the deductions of, like, the removal of the removal of the income. Yeah.\n\nProtection. Yeah. Yeah. Just just trying to to compare like for like rather than yeah. I'm just wondering.\n\nIt I guess it doesn't really matter so much, but I'm just like, oh, you know, because if if you're only gonna make, like, $45 in ten years, that's not very much. Okay. Yeah. Yeah. But, you know, at least right now, I think, Sorry.\n\nOkay. Hey. No. That's all fine. Thanks, Veronica.\n\nYeah. Yep. So that adviser service fee, the 9 $52.09 64, that's yearly, is it? And that gets sort of broken down into monthly sort of is that right? Yeah.\n\nGets broken down to a monthly. Yeah. Kind of sort of goes both ways. More fair for us, more fair for you. Mhmm.\n\nYeah. No. That's great. Yeah. Happy to do the monthly rollover at the moment just to see how we go.\n\nI'll have a read into all of that. Yeah. But when when they kept ringing me previously going, oh, you know, it's kinda it's, you know, through up for renewal up for, like, twelve months. I'm like, oh, that's gotta be commitment. Let me read and get through it.\n\nAnd then it just keeps rolling over and rolling over because it's been like, my god. Like, good. Yeah. Yeah. Well, because we paid when we first so when we first joined, it was, like, a 3,000 joining fee.\n\nI understood. And now we've rolled on to monthly ongoing costs that are 1.1% of our is it our balance, or is it just of the growth? Yeah. It was 3,000. No.\n\nI was fine with the ongoing fees, but it's just kind of like I there was an understanding of I'm just trying to understand these ongoing fees. Are they I thought they were a percentage of the income generated of the the growth, not of the whole balance. Because, like, what's what's yeah. Because why should I pay you 1.1% of my whole balance if it's not really growing that fast? Like, you know, it's just not saying, like, it should just almost like, when we first started, it was like I understood that we paid $3,000 joining fee, and then we'd be paying percentage of growth.\n\nWe'd be paying a percentage of the actual performance of the performance of the of the actual of the growth of the balance as opposed to just being the whole balance. Because otherwise, what incentive if you go, oh, they got $880 there. I'm just gonna get 1.1% of that. If you're in, why should I try and grow it? Do you know what I mean?\n\nBecause I've I'm I'm locked into that. It's like, why would a real estate agent try and get the highest highest house price for someone when they're gonna get $15 anyway for the house sale? They just wanna do as many as they can, punch as many through as get as many sales as they can. Are they actually doing the best job that they can and getting the best for the client? You just don't know.\n\nOr are they just trying to punch through as many as they can? You know? Does that make sense? Bless you. Yep.\n\nYep. Thank you. It's just been such a a rather shitty thing to be Genex with the whole superannuation having the introduction of superannuation and how it's you know, you get, like, a new fund for pretty much like, we've lost so much of our superannuation with the poor setting up of the whole thing and it being so difficult to actually follow. Like, I remember being you know, going out to your first jobs and all of a sudden, you get a new superannuation. You I I remember going to my previous financial adviser with something like 15 or 22 different superannuation funds to to all be rolled into from when I was traveling and working, and and it's kind of like the building of your superannuation.\n\nNow they're like, oh, no. It's, you know and then you have an insurance in all the different funds that now it's illegal to to to, you know, for or not illegal, but the I'm not even educated in this area. It's in yeah. It used to just be a money grab, and people just be, like, stealing, like, through insurance fees out of every single fund you've got to the point that you had actually accumulated a little bit of balance. And then all of a sudden, you go overseas for a couple years, come back, you got nothing left.\n\nIt's just and it was just or and yeah. And we're not and you don't get educated about that at school, but you have to learn about, you know, you have to learn about other shit. Like, nobody ever teach you about tax, superannuation, or the different types of bills and utilities that you're gonna have to pay when you leave home or how you're gonna have to navigate all of that. But you're like yeah. You learn about a whole we learn geometry and trig, which well, why don't you just sit there and teach me more about finance?\n\nAnd, yeah, why is economics just an elective and not an actual you know, it just varies, yeah, a compulsory. Like, I'm looking at at my son's math at the moment. And rather than just really drilling down on the basics and going through, like, sort of the teach them how to run a business. Teach them, like, do a bloody MBA in year 12 rather than doing freaking geometry and trigon, algebra, and all the things. Like, do that as an elective.\n\nLike like, that's not necessary. Like anyway and so what my point is that superannuation is just such a hard thing to trust because of the fact that it's just always been well, not so much that it's changed. It's just that that, like, it's always just been so hard to actually they they they cover it up in so much paperwork and so much whatever in the hopes that people won't read it and not really understand it going. Then it's just like a sentence again. Oh, yeah.\n\nThat's yeah. I'm yeah. Don't worry. I'm I'm not even making sense when I talk about this, but I just have such a mistrust in it. And it's only and it because I'm not educated because that is the one thing that they should be teaching people, like, the kids that at school should actually be learning how to live their life and their leave rather than having to, like, hope that you've got educated parents that can teach you these things.\n\nWe never actually got taught at school because it didn't exist. And then you end up with and nobody actually taught you. It's just like all this mumbo jumbo jargon that goes over everybody's heads, and nobody really understands what's going on. And you got ten, fifteen superannuation things, and then you gotta try and become a a a specialist in the situation overnight. And that's why we roll over to you guys thinking, okay.\n\nThis is great. You guys have a bit of a better understanding of it than we do. And then you're like, oh, wow. 1% growth. Fuck.\n\nLike, well, jeez. Does anyone really know what's going on? Yep. Yeah. And that's the hard thing.\n\nMhmm. Exactly. And if you're not if you're a busy mom or you're busy working and doing all the other things and you're not and you're trying to go screen free and keep scary news off the TV in front of small children, you're not watching the news every night, following the markets, and staying abreast of things that you probably would have been back in the day when and but I'm not at the moment because I don't want my kids growing up watching what's going on and and having a fear of what's happening, etcetera. And so this and then whenever you pick up your phone, everything follows an algorithm, and so you're not necessarily getting the news that you wanna read anyway. And unless you're sitting down in front yeah.\n\nAnd unless you actually yeah. K. Yeah. And so and yeah. So I do ask you to sort of, like thanks for being patient with me and my obvious mistrust and slow replies and all that with wanting to read and shit.\n\nYeah. Thanks. Yeah. I think we're all just like but I think it's also just like we're only it's like with the it's like with the Internet with anything. Like, you don't actually know what's like, it's it's like a a system is only is only as good as the people people's knowledge of it and understanding of it and and practice using it.\n\nAnd so I complained about all the superannuation palaver of where of my youth and growing up, and I guess that's because everyone was learning. It's a new system. Everyone's trying to review and revise, drill down, and make it better. And as it as we're getting older, we're getting better. But it's now at the age of 50, it's like going, okay.\n\nI can't just set and forget and go I'll I'll come back to that later. I actually need to do make some informed decisions, and so I do actually need to put the time aside to actually read it. I do need to make a better effort because I'm looking at, wow, that's not a really very good forecast of a $120 in ten years at the age of 60 for me. That's actually frightening. You know what I mean?\n\nI'm lucky that Craig's is a little higher, but that essentially is that is not a safe unit at all to be going into a retirement for. Luckily luckily, we we will you know, we're close to we will be owning our home in about eight to ten years. So that will be fine, and we can rent out the back. And I'm like, holy shit. That's that's not even my husband's wage for one year.\n\nYou know what I mean? Like so it's kinda frightening when we start looking at things. Hi. Yeah. Oh, it's a huge difference.\n\nYeah. It is. It's massive. I do have an extra yeah. I will read through this, and then hopefully, you can roll into if like, because if you're paying all the fees and everything anyway, then the higher to the fees, I guess, you get paid more, obviously.\n\nOh, not you, but the business gets a greater percentage of your balance. But if the balance is larger, it's still a small percent. Do you know what I mean? Yeah. I don't yeah.\n\nBecause Okay. That's on the appendix. Right. Okay. Beautiful.\n\nOh, this. God. I love it. It's like Raven Pierce. Oh, yeah.\n\nYou've already paid for this, so we're gonna tax you again when you when you actually get any. You've only paid for this all your life, but when we pay you out, you're gonna have to pay to receive it and and lose. Yeah. Okay. Got you.\n\nYeah. That's way better. Because currently, it is two what? Two inside. Just lost the page.\n\nYeah. See, because, like because it's all like, I obviously would need a massive payout if something happens to my husband. But my husband essentially could continue his life as is and wouldn't need such a massive like, his job, everything. Yes. With the working away, he could essentially have his mom or my mom live here or have an au pair and be fine, and it would be continue on as normal.\n\nNo. It would be much better for we don't actually want that to happen. But but I'm wondering no. Obviously, that's not what we want. But I'm just wondering what is the actual, like, having all those insurances in place because I'm probably the more healthy one in the relationship anyway and all those sort of things.\n\nI'm just wondering, is it how necessary is it to actually have them in there? Like like, it's only a thousand like, so 800 $900 a year is definitely it's definitely half. So that's a no brainer. We'll go ahead with that 100%. Like, to reduce it pretty much as to the bare minimum to make it comfortable for him, but yep.\n\nYes. Yes. Yeah. Right. Okay.\n\nIs that it's there. Yeah. Sorry to be a pain. I know you're you gotta go. Just quickly with what is there?\n\nAnd the product disclosure statement that includes the what it actually covers you for, the TBD? Because, like, because, like, what about cancer and things like all those? You know? Like, so all of that's in there for me to be able to read through what it does and doesn't cover you for? Okay.\n\nGreat. Yeah. No. That's okay. Great.\n\nMhmm. That's alright. He's home tonight, and we're gonna review all this sort of stuff over the probably the next few days anyway. So doing a bit of a financial order at the moment just along with tax and all that. You know what it's like comes to that time of year.\n\nOh, Excellent. Oh, no. Before then. Great. Yep.\n\nOkay. Great. So yeah. So is there a way that I can action that pretty much immediately and still be reading through all of the superannuation part of it? Like, how often like, is it how often does the is that, like, a monthly installment for the or is it, like, a a a 12 monthly sort of deduction for the you know, how it's yeah.\n\nOh, okay. Okay. Great. Yeah. No.\n\nGreat. That's that's that's what I wanted to find out. I was like, oh, shit. Have I just paid? It's like you you upgrade your like, every April, you pay your credit card for $3.95.\n\nBut then it's like, if you miss it in, you know, next May, you've you've paid for it already for the year. You might as well wait till April before you shop around. But, you know what I mean? So is that whereabouts when will this renew? Pardon?\n\nYeah. Yeah. Excellent. Yep. Yeah.\n\nI I'll buzz you guys back in a couple of days, I think, sort of over the next week before next Thursday because Craig flies out next Thursday, so we'll have discussed that. But if you haven't heard from me in by the July 20, just before this expires, can you please chase me? Thank you. Thank you. Cheers for that, Victoria.\n\nThank you. Bye. I just called you Victoria. Thank you. Is is it?\n\nOkay. Thank you. Bye. Bye. Bye.\n\nThank you. Bye.","paragraphs":[{"sentences":[{"text":"If you record your name and reason for calling, I'll see if this person is available.","start":0.08,"end":4.42,"sentiment":"neutral","sentiment_score":0.004604909860063344},{"text":"Thanks.","start":13.84,"end":14.34,"sentiment":"neutral","sentiment_score":0.32596248388290405},{"text":"Please stay on the line.","start":14.834999,"end":16.375,"sentiment":"neutral","sentiment_score":0.1595846891403198},{"text":"Hello?","start":24.435,"end":24.935,"sentiment":"neutral","sentiment_score":0.07404378056526184},{"text":"Yes.","start":28.039999,"end":28.279999,"sentiment":"neutral","sentiment_score":0.10528650879859924}],"sentiment":"neutral","sentiment_score":0.05737061569622407,"num_words":24,"start":0.08,"end":28.279999},{"sentences":[{"text":"Speaking.","start":28.279999,"end":28.779999,"sentiment":"neutral","sentiment_score":0.08583424985408783},{"text":"Hi, Veronica.","start":32.2,"end":33.079998,"sentiment":"neutral","sentiment_score":0.15645749866962433},{"text":"I'm well.","start":33.079998,"end":33.48,"sentiment":"neutral","sentiment_score":0.27753178775310516},{"text":"Thanks.","start":33.48,"end":33.8,"sentiment":"positive","sentiment_score":0.4202524423599243},{"text":"How are you?","start":33.8,"end":34.62,"sentiment":"neutral","sentiment_score":0.22149017949899039}],"sentiment":"neutral","sentiment_score":0.22650397817293802,"num_words":9,"start":28.279999,"end":34.62},{"sentences":[{"text":"That's 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card.","start":179.365,"end":180.505,"sentiment":"neutral","sentiment_score":0.23577279349168143},{"text":"Just a minute.","start":181.585,"end":185.24501,"sentiment":"positive","sentiment_score":0.45557519793510437},{"text":"Okay.","start":186.32501,"end":186.82501,"sentiment":"positive","sentiment_score":0.3607544898986816},{"text":"Yeah.","start":190.725,"end":191.19,"sentiment":"neutral","sentiment_score":0.18777060508728027},{"text":"Yep.","start":199.19,"end":199.69,"sentiment":"neutral","sentiment_score":0.08594971150159836}],"sentiment":"neutral","sentiment_score":0.3009465311964353,"num_words":9,"start":179.365,"end":199.69},{"sentences":[{"text":"Yeah.","start":209.785,"end":210.10501,"sentiment":"neutral","sentiment_score":0.04330061003565788},{"text":"Thank you.","start":210.10501,"end":210.925,"sentiment":"positive","sentiment_score":0.38562582433223724},{"text":"So is that the Ascendant, the insurance?","start":219.92001,"end":222.74,"sentiment":"neutral","sentiment_score":0.01910255224044834},{"text":"Is that what you said?","start":223.36,"end":224.58,"sentiment":"neutral","sentiment_score":0.02950025200843811},{"text":"Yep.","start":225.04001,"end":225.54001,"sentiment":"neutral","sentiment_score":0.061234381049871445}],"sentiment":"neutral","sentiment_score":0.0723128603422083,"num_words":16,"start":209.785,"end":225.54001},{"sentences":[{"text":"Yep.","start":228.32,"end":228.82,"sentiment":"neutral","sentiment_score":0.03829139098525047},{"text":"Alright.","start":231.84001,"end":232.34001,"sentiment":"neutral","sentiment_score":0.045602038502693176},{"text":"Hang on.","start":240.695,"end":241.255,"sentiment":"neutral","sentiment_score":0.018099671229720116},{"text":"There's the appendix.","start":241.255,"end":242.235,"sentiment":"neutral","sentiment_score":0.021800892427563667},{"text":"I'm just looking for that.","start":242.535,"end":243.975,"sentiment":"neutral","sentiment_score":0.03351245857775211}],"sentiment":"neutral","sentiment_score":0.029421478509902954,"num_words":12,"start":228.32,"end":243.975},{"sentences":[{"text":"I've got Oakview PDF, investment booklet, call menu, hub 24, just the PDF, additional information booklet, send the insurance PDF, and the SOA oh, sorry.","start":243.975,"end":256.79,"sentiment":"neutral","sentiment_score":0.03878350339829922},{"text":"The SOA.","start":256.79,"end":257.45,"sentiment":"neutral","sentiment_score":0.018892010673880577},{"text":"Yep.","start":257.59,"end":258.09,"sentiment":"neutral","sentiment_score":0.02757780998945236},{"text":"Down button.","start":258.47,"end":259.11002,"sentiment":"neutral","sentiment_score":0.026058601215481758},{"text":"Yep.","start":259.11002,"end":259.365,"sentiment":"neutral","sentiment_score":0.05094101279973984}],"sentiment":"neutral","sentiment_score":0.03670992359759346,"num_words":31,"start":243.975,"end":259.365},{"sentences":[{"text":"Cool.","start":259.60498,"end":260.10498,"sentiment":"neutral","sentiment_score":0.20207181572914124},{"text":"So is that the one you want me to 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you.","start":324.61502,"end":325.355,"sentiment":"positive","sentiment_score":0.7233096063137054},{"text":"So yeah.","start":326.695,"end":327.915,"sentiment":"neutral","sentiment_score":0.11145992390811443},{"text":"So are you wanting to go through this with me, or am I to have a rate and then we go through it later?","start":328.00998,"end":332.594,"sentiment":"neutral","sentiment_score":0.046080497869600855},{"text":"Or how do you wanna go about it?","start":332.594,"end":333.15,"sentiment":"neutral","sentiment_score":0.039831975009292364},{"text":"Yeah.","start":340.57,"end":341.07,"sentiment":"neutral","sentiment_score":0.09870842099189758}],"sentiment":"neutral","sentiment_score":0.08629284406433234,"num_words":37,"start":324.61502,"end":341.07},{"sentences":[{"text":"Yeah.","start":353.865,"end":354.365,"sentiment":"neutral","sentiment_score":0.04055222123861313},{"text":"Yeah.","start":367.33002,"end":367.83002,"sentiment":"neutral","sentiment_score":0.0378669947385788},{"text":"So I say that I'm still yeah.","start":368.37,"end":370.21,"sentiment":"neutral","sentiment_score":0.004192714379834277},{"text":"No.","start":370.21,"end":370.37,"sentiment":"neutral","sentiment_score":-0.026542790234088898},{"text":"That's fine.","start":370.37,"end":371.19,"sentiment":"neutral","sentiment_score":0.03111770749092102}],"sentiment":"neutral","sentiment_score":0.011955070115315417,"num_words":12,"start":353.865,"end":371.19},{"sentences":[{"text":"I say that I'm still in high growth.","start":371.585,"end":373.105,"sentiment":"neutral","sentiment_score":-0.004749193321913481},{"text":"So what if we recommended from 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right?","start":461.645,"end":462.445,"sentiment":"neutral","sentiment_score":-0.027147098754843075},{"text":"I mean, is that currently the yearly premium, or is that what I would get?","start":462.445,"end":466.945,"sentiment":"neutral","sentiment_score":-0.06475520581007004}],"sentiment":"neutral","sentiment_score":-0.03727180890564341,"num_words":32,"start":454.605,"end":466.945},{"sentences":[{"text":"I'm just looking at this, Asenda, your current risk protection portfolio.","start":470.09,"end":474.11002,"sentiment":"neutral","sentiment_score":-0.01778678291223266},{"text":"I've just like, I was just scrolling through page nine.","start":474.81,"end":477.63,"sentiment":"neutral","sentiment_score":-0.003368029370903969},{"text":"Yeah.","start":478.73,"end":479.145,"sentiment":"neutral","sentiment_score":0.15657104551792145},{"text":"This is what I currently have.","start":481.38498,"end":482.66498,"sentiment":"neutral","sentiment_score":0.018814750636617344},{"text":"Right?","start":482.66498,"end":483.16498,"sentiment":"neutral","sentiment_score":0.05845455825328827}],"sentiment":"neutral","sentiment_score":0.003399282822321201,"num_words":29,"start":470.09,"end":483.16498},{"sentences":[{"text":"Okay.","start":483.705,"end":484.185,"sentiment":"neutral","sentiment_score":0.05239050090312958},{"text":"Premium $2,700, and that's what I get.","start":484.185,"end":487.565,"sentiment":"neutral","sentiment_score":0.05065946653485298},{"text":"Or that's what yeah.","start":488.10498,"end":490.185,"sentiment":"neutral","sentiment_score":0.01650939974933863},{"text":"So that's what would get paid out to Harvey if something happened to me.","start":490.185,"end":495.5,"sentiment":"neutral","sentiment_score":0.011621915602258273},{"text":"Yeah.","start":497.32,"end":497.82,"sentiment":"neutral","sentiment_score":0.041547179222106934}],"sentiment":"neutral","sentiment_score":0.025085124566599174,"num_words":27,"start":483.705,"end":497.82},{"sentences":[{"text":"Yeah.","start":500.76,"end":501.26,"sentiment":"neutral","sentiment_score":0.03858984261751175},{"text":"Okay.","start":511.435,"end":511.915,"sentiment":"neutral","sentiment_score":0.15114682912826538},{"text":"That can definitely get dropped down.","start":511.915,"end":514.575,"sentiment":"neutral","sentiment_score":0.2021211932102839},{"text":"Oh, thank you.","start":518.42,"end":523.93335,"sentiment":"neutral","sentiment_score":0.13632779071728388},{"text":"Okay.","start":525.94,"end":526.25995,"sentiment":"neutral","sentiment_score":0.039866745471954346}],"sentiment":"neutral","sentiment_score":0.15427616238594055,"num_words":12,"start":500.76,"end":526.25995},{"sentences":[{"text":"We'll do that.","start":526.25995,"end":527.16,"sentiment":"neutral","sentiment_score":0.07973853001991908},{"text":"Yeah.","start":527.86,"end":528.25995,"sentiment":"neutral","sentiment_score":0.12014754116535188},{"text":"We can just go in we can just go in go in order of the paperwork.","start":528.25995,"end":532.635,"sentiment":"neutral","sentiment_score":0.14817470009438694},{"text":"Yeah.","start":532.85504,"end":533.35504,"sentiment":"neutral","sentiment_score":0.2043186277151108},{"text":"Make it easy for me.","start":533.73505,"end":535.515,"sentiment":"neutral","sentiment_score":0.27534677684307096}],"sentiment":"neutral","sentiment_score":0.16581580171791407,"num_words":26,"start":526.25995,"end":535.515},{"sentences":[{"text":"Mhmm.","start":539.575,"end":540.075,"sentiment":"neutral","sentiment_score":0.06698921322822571},{"text":"Well, no.","start":551.6,"end":552.74,"sentiment":"neutral","sentiment_score":-0.15753484889864922},{"text":"Not happy to stay in the high growth risk profile, but not happy to change when I'd be going to be selling high growth or low.","start":553.6,"end":564.46497,"sentiment":"negative","sentiment_score":-0.35941723676828236},{"text":"I just don't think it's the I needed sort of like well, that's why I'm speaking to you because you're the expert.","start":564.46497,"end":572.245,"sentiment":"neutral","sentiment_score":-0.2617719109085473},{"text":"I just feel like the high growth at that point was very volatile, and to be selling it for more safe options before it sort of bounces back a little bit is probably the wrong time to sell.","start":572.385,"end":587.98004,"sentiment":"neutral","sentiment_score":-0.18510542192349308}],"sentiment":"neutral","sentiment_score":-0.25152715408567633,"num_words":89,"start":539.575,"end":587.98004},{"sentences":[{"text":"Is that right?","start":587.98004,"end":588.795,"sentiment":"neutral","sentiment_score":-0.08692429214715958},{"text":"I'm not sure.","start":588.795,"end":589.695,"sentiment":"neutral","sentiment_score":-0.16213254630565643},{"text":"I don't know if I do if my understanding's 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I'm happy for it to stay where it is, but when the next really good opportunity to sort of buy like, to to sell and buy into a more sort of medium growth, that would be, you know, medium to save.","start":675.005,"end":690.53,"sentiment":"neutral","sentiment_score":0.3290188649580592},{"text":"Yeah.","start":690.75,"end":691.25,"sentiment":"neutral","sentiment_score":0.201761394739151},{"text":"I'm sort of like so if whilst we've got the time, I'd like to allow it to grow, but then when there's a really good opportunity to sell it before it drops out again because, you know, it's just so volatile.","start":691.63,"end":702.245,"sentiment":"neutral","sentiment_score":0.08609462511248706},{"text":"I just don't need the stress of it.","start":702.385,"end":704.245,"sentiment":"neutral","sentiment_score":-0.20358316786587238}],"sentiment":"neutral","sentiment_score":0.1729107795543568,"num_words":93,"start":674.525,"end":704.245},{"sentences":[{"text":"Yeah.","start":716.75,"end":717.25,"sentiment":"neutral","sentiment_score":0.29200273752212524},{"text":"I'm happy with, like, once a quarter.","start":717.31,"end":721.01,"sentiment":"positive","sentiment_score":0.3633057347365788},{"text":"Like, previously, it's been, like, once a year.","start":721.23,"end":723.545,"sentiment":"neutral","sentiment_score":0.0663953609764576},{"text":"Like, look, if if something happens where you're like, oh, hang on a minute.","start":723.545,"end":728.185,"sentiment":"neutral","sentiment_score":0.022509095525102957},{"text":"I'm not gonna leave it to once a 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moves.","start":742.16003,"end":747.92004,"sentiment":"neutral","sentiment_score":-0.1391337148845196}],"sentiment":"neutral","sentiment_score":0.011633870533990617,"num_words":49,"start":730.58496,"end":747.92004},{"sentences":[{"text":"You know?","start":747.92004,"end":748.48004,"sentiment":"neutral","sentiment_score":-0.07871715351939201},{"text":"I I didn't even know he'd so yeah.","start":748.48004,"end":753.075,"sentiment":"neutral","sentiment_score":-0.06905328622087836},{"text":"Anyway well and I wasn't replying because it was I wasn't impressed with the 1% growth over the year.","start":753.075,"end":761.075,"sentiment":"neutral","sentiment_score":-0.290914900993046},{"text":"And I'm like, oh my god.","start":761.075,"end":762.21,"sentiment":"neutral","sentiment_score":-0.2890225450197856},{"text":"Or to sell when there's only been 1% growth, I'm obviously gonna lose a whole lot of money if it's that 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great.","start":892.33496,"end":893.315,"sentiment":"neutral","sentiment_score":0.262112557888031},{"text":"Yeah.","start":894.735,"end":895.055,"sentiment":"neutral","sentiment_score":0.003816206939518452},{"text":"Sorry.","start":895.055,"end":895.555,"sentiment":"neutral","sentiment_score":-0.11173608899116516},{"text":"Here you go.","start":895.855,"end":896.595,"sentiment":"neutral","sentiment_score":-0.1119205430150032}],"sentiment":"neutral","sentiment_score":0.020667902776040137,"num_words":8,"start":892.255,"end":896.595},{"sentences":[{"text":"Okay.","start":930.695,"end":931.195,"sentiment":"neutral","sentiment_score":0.16878944635391235},{"text":"Well, it's a factor when it's a factor only when the growth was so low.","start":938.4,"end":943.12,"sentiment":"neutral","sentiment_score":-0.02056855820119381},{"text":"And okay.","start":943.12,"end":944.02,"sentiment":"neutral","sentiment_score":0.04052113741636276},{"text":"I you don't know when you're looking at that 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relatively.","start":961.29,"end":963.31,"sentiment":"neutral","sentiment_score":0.0404284843908889},{"text":"Right?","start":963.52997,"end":964.02997,"sentiment":"neutral","sentiment_score":0.06115127354860306}],"sentiment":"neutral","sentiment_score":0.030763237152335254,"num_words":43,"start":947.415,"end":964.02997},{"sentences":[{"text":"But the thing is when you're, like, looking around and going, hang on a minute.","start":964.49,"end":967.85,"sentiment":"neutral","sentiment_score":-0.045379148920377095},{"text":"Why are we why are we doing even bothering being so sophisticated when it's 1% and there's other places being, like, eight?","start":967.85,"end":974.43,"sentiment":"neutral","sentiment_score":-0.11501358313993974},{"text":"Yeah.","start":983.015,"end":983.415,"sentiment":"neutral","sentiment_score":0.11194613575935364},{"text":"Value.","start":983.415,"end":983.915,"sentiment":"neutral","sentiment_score":0.1896897703409195},{"text":"Value.","start":984.21497,"end":984.71497,"sentiment":"neutral","sentiment_score":0.22814694046974185}],"sentiment":"neutral","sentiment_score":-0.06703008040785789,"num_words":40,"start":964.49,"end":984.71497},{"sentences":[{"text":"Economics is all about fun.","start":985.175,"end":987.435,"sentiment":"neutral","sentiment_score":0.0916786476969719},{"text":"Why the hell am I gonna go for something a little bit more expensive, a little bit more complex, a little bit harder for me to manage myself if it's gonna cost me, like, so much more.","start":988.135,"end":998.99,"sentiment":"negative","sentiment_score":-0.3660701376360816},{"text":"I'm like, come on.","start":999.61,"end":1000.91,"sentiment":"neutral","sentiment_score":-0.11274425126612186},{"text":"I'm sorry.","start":1001.13,"end":1001.61,"sentiment":"neutral","sentiment_score":-0.1250569112598896},{"text":"I'm not trying I'm not not trying to I just got sold it so well in the beginning that I sort of, you know, just sat on my hands for a little bit hoping that this would resolve itself and that there would be some sort of some sort of reason to continue or to keep staying.","start":1001.61,"end":1024.73,"sentiment":"neutral","sentiment_score":-0.07159013392632468}],"sentiment":"neutral","sentiment_score":-0.17017076490890412,"num_words":105,"start":985.175,"end":1024.73},{"sentences":[{"text":"You know how you have to sort of give things time to show them to show their their their cards.","start":1024.79,"end":1030.73,"sentiment":"neutral","sentiment_score":0.032629800494760275},{"text":"But yeah.","start":1031.995,"end":1034.235,"sentiment":"neutral","sentiment_score":0.05460382252931595},{"text":"And so yeah.","start":1034.235,"end":1035.035,"sentiment":"neutral","sentiment_score":0.04981696233153343},{"text":"So I sorta hadn't I was avoiding a lot of the phone calls from Oakview because I was waiting to sorta see proof in the pudding and yeah.","start":1035.035,"end":1042.715,"sentiment":"neutral","sentiment_score":0.04195284151605198},{"text":"Yeah.","start":1042.715,"end":1043.035,"sentiment":"neutral","sentiment_score":0.29014214873313904}],"sentiment":"neutral","sentiment_score":0.044001412095019114,"num_words":54,"start":1024.79,"end":1043.035},{"sentences":[{"text":"So it's been great.","start":1043.035,"end":1043.755,"sentiment":"positive","sentiment_score":0.7381535023450851},{"text":"Thank you.","start":1043.755,"end":1044.235,"sentiment":"positive","sentiment_score":0.8331577777862549},{"text":"I look forward to receiving this.","start":1044.235,"end":1045.755,"sentiment":"positive","sentiment_score":0.7479530374209086},{"text":"It's gonna take me a little bit to actually read through it properly.","start":1045.755,"end":1049.04,"sentiment":"neutral","sentiment_score":0.33312903344631195},{"text":"I really do appreciate.","start":1049.04,"end":1050.18,"sentiment":"positive","sentiment_score":0.3752276077866554}],"sentiment":"positive","sentiment_score":0.5151115743250683,"num_words":29,"start":1043.035,"end":1050.18},{"sentences":[{"text":"Yeah.","start":1050.8,"end":1051.28,"sentiment":"neutral","sentiment_score":0.13417494297027588},{"text":"You've done a lot of work here.","start":1051.28,"end":1052.64,"sentiment":"neutral","sentiment_score":0.04366398762379374},{"text":"I can see that.","start":1052.64,"end":1053.78,"sentiment":"neutral","sentiment_score":-0.03319866629317403},{"text":"Mhmm.","start":1054.4,"end":1054.9,"sentiment":"neutral","sentiment_score":0.08943825960159302},{"text":"Yeah.","start":1070.505,"end":1070.745,"sentiment":"neutral","sentiment_score":0.02989991195499897}],"sentiment":"neutral","sentiment_score":0.03045474019433771,"num_words":14,"start":1050.8,"end":1070.745},{"sentences":[{"text":"We do.","start":1070.745,"end":1071.405,"sentiment":"neutral","sentiment_score":0.024339864030480385},{"text":"Yep.","start":1071.545,"end":1072.045,"sentiment":"neutral","sentiment_score":0.03822915256023407},{"text":"Yeah.","start":1116.2,"end":1116.7,"sentiment":"neutral","sentiment_score":0.08184796571731567},{"text":"It's a bit cheaper.","start":1116.76,"end":1117.8999,"sentiment":"neutral","sentiment_score":0.08752910792827606},{"text":"So why does my why would the balance start out at $86,003.85 instead of instead of as the same?","start":1118.845,"end":1126.945,"sentiment":"neutral","sentiment_score":-0.05476918061705012}],"sentiment":"neutral","sentiment_score":-0.0193237464323088,"num_words":27,"start":1070.745,"end":1126.945},{"sentences":[{"text":"80 7.","start":1127.725,"end":1128.625,"sentiment":"neutral","sentiment_score":0.07021572906523943},{"text":"Is that a rollover?","start":1131.62,"end":1132.76,"sentiment":"neutral","sentiment_score":0.0016685454174876209},{"text":"Like, is that a is that a charge for the SMA, or is that like, what's that for?","start":1132.98,"end":1137.5599,"sentiment":"neutral","sentiment_score":-0.01900393469259143},{"text":"Yeah.","start":1148.345,"end":1148.845,"sentiment":"neutral","sentiment_score":-0.004406193271279335},{"text":"Got you.","start":1149.865,"end":1150.6849,"sentiment":"neutral","sentiment_score":-0.015397776849567892}],"sentiment":"neutral","sentiment_score":-0.008524701171727092,"num_words":27,"start":1127.725,"end":1150.6849},{"sentences":[{"text":"Yeah.","start":1158.745,"end":1159.23,"sentiment":"neutral","sentiment_score":0.008885445073246956},{"text":"Yeah.","start":1172.91,"end":1173.41,"sentiment":"neutral","sentiment_score":0.009345931932330132},{"text":"Yeah.","start":1178.645,"end":1179.145,"sentiment":"neutral","sentiment_score":0.021173404529690742},{"text":"Which isn't really that much considering my consider it just well, that just is because there hasn't been that much growth.","start":1179.525,"end":1188.005,"sentiment":"neutral","sentiment_score":0.05609067564918881},{"text":"Do you know what I mean?","start":1188.005,"end":1189.395,"sentiment":"neutral","sentiment_score":0.05229647892216841}],"sentiment":"neutral","sentiment_score":0.051036261456708115,"num_words":30,"start":1158.745,"end":1189.395},{"sentences":[{"text":"Right.","start":1199.98,"end":1200.48,"sentiment":"neutral","sentiment_score":0.2246211469173431},{"text":"Yeah.","start":1207.665,"end":1207.8251,"sentiment":"neutral","sentiment_score":0.18631434440612793},{"text":"Okay.","start":1207.8251,"end":1208.3251,"sentiment":"neutral","sentiment_score":0.2277839481830597},{"text":"Yeah.","start":1210.305,"end":1210.805,"sentiment":"positive","sentiment_score":0.37922248244285583},{"text":"Yeah.","start":1217.3451,"end":1217.8451,"sentiment":"positive","sentiment_score":0.4205676019191742}],"sentiment":"neutral","sentiment_score":0.28770190477371216,"num_words":5,"start":1199.98,"end":1217.8451},{"sentences":[{"text":"Well, you would sort of hope that, look, when you're looking from 6.93%, it would progress to 9.8 and with the the speed in which you can action changes and stuff to be a bit more efficient, that should be recovered fairly quickly.","start":1219.02,"end":1232.3201,"sentiment":"neutral","sentiment_score":0.21437753910242124},{"text":"So is that on top of the existing, or is that the total?","start":1279.85,"end":1283.13,"sentiment":"neutral","sentiment_score":0.03311954868527559},{"text":"Like, so lump sum in ten years, 74 how does the lump sum in five years go to 81 down to 74?","start":1283.13,"end":1290.35,"sentiment":"neutral","sentiment_score":0.04473440247503194},{"text":"Like, current how And my fees are actually a lot greater than, like, than what like, if it's if it's yeah.","start":1290.645,"end":1318.305,"sentiment":"neutral","sentiment_score":-0.14093624077559935},{"text":"Fuck.","start":1328.7051,"end":1329.2051,"sentiment":"negative","sentiment_score":-0.6864707469940186}],"sentiment":"neutral","sentiment_score":0.06986813365481793,"num_words":100,"start":1219.02,"end":1329.2051},{"sentences":[{"text":"Okay.","start":1344.295,"end":1344.795,"sentiment":"neutral","sentiment_score":-0.007075831294059753},{"text":"Yeah.","start":1353.495,"end":1353.995,"sentiment":"neutral","sentiment_score":-0.09163741767406464},{"text":"Yep.","start":1358.65,"end":1359.15,"sentiment":"neutral","sentiment_score":0.007432887796312571},{"text":"No.","start":1362.57,"end":1363.07,"sentiment":"neutral","sentiment_score":0.04004291817545891},{"text":"Yep.","start":1367.53,"end":1368.03,"sentiment":"neutral","sentiment_score":0.1900845617055893}],"sentiment":"neutral","sentiment_score":0.027769423741847276,"num_words":5,"start":1344.295,"end":1368.03},{"sentences":[{"text":"Can I sort of say because, like, for it to be going from 81,000, like, dropping to 74, that's and then to so the recommendation is it would just be trouble?","start":1368.57,"end":1381.7151,"sentiment":"neutral","sentiment_score":0.06079988295753156},{"text":"So that is my forecast lump sum in ten years to be about a 100 and $20.","start":1381.7151,"end":1386.135,"sentiment":"neutral","sentiment_score":0.060924257754403},{"text":"Okay.","start":1387.01,"end":1387.51,"sentiment":"neutral","sentiment_score":0.09774157404899596},{"text":"It's not that much of a big difference, really, but, like, it is that I know when you sort of look at all these things, oh, you're skipping me from here to here.","start":1388.61,"end":1396.69,"sentiment":"neutral","sentiment_score":-0.07622023564622257},{"text":"I know.","start":1396.69,"end":1396.9299,"sentiment":"neutral","sentiment_score":-0.0863947942852974}],"sentiment":"neutral","sentiment_score":0.003930868603111733,"num_words":84,"start":1368.57,"end":1396.9299},{"sentences":[{"text":"When you're not putting anything in, I know.","start":1396.9299,"end":1398.7699,"sentiment":"neutral","sentiment_score":-0.1489639189094305},{"text":"It's you don't really expect much.","start":1398.7699,"end":1400.5499,"sentiment":"neutral","sentiment_score":-0.21573416888713837},{"text":"Well, I've got another $10 sitting there in a different one that I just haven't rolled over because I was looking that I I've been trying to decide which way do I roll.","start":1416.92,"end":1425.0,"sentiment":"neutral","sentiment_score":-0.13901257492376096},{"text":"Do I roll in or do I roll out?","start":1425.0,"end":1427.1,"sentiment":"neutral","sentiment_score":-0.02936371498637729},{"text":"Like, I've found another account, and I was like, oh, didn't realize that one was there.","start":1427.72,"end":1431.835,"sentiment":"neutral","sentiment_score":-0.07008027913980186}],"sentiment":"neutral","sentiment_score":-0.11748735053050849,"num_words":72,"start":1396.9299,"end":1431.835},{"sentences":[{"text":"So this is taking into so on this recommendation, like, the lump sum in ten years, a hundred and twenty, that's including the deductions from my income protection, TPD, and everything every year.","start":1431.835,"end":1447.31,"sentiment":"neutral","sentiment_score":-0.015167546190434334},{"text":"So that figure, if I was to cancel, that would actually be quite higher.","start":1447.3701,"end":1451.2301,"sentiment":"neutral","sentiment_score":-0.2880789488554001},{"text":"Okay.","start":1458.7949,"end":1459.195,"sentiment":"neutral","sentiment_score":-0.06412967294454575},{"text":"That okay.","start":1459.195,"end":1461.775,"sentiment":"neutral","sentiment_score":-0.012064103037118912},{"text":"And so that current, does that include canceling 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removal of the removal of the income.","start":1505.12,"end":1509.6951,"sentiment":"neutral","sentiment_score":-0.16754291156927745},{"text":"Yeah.","start":1509.6951,"end":1510.1951,"sentiment":"neutral","sentiment_score":0.011269470676779749}],"sentiment":"neutral","sentiment_score":-0.259468735428527,"num_words":88,"start":1473.36,"end":1510.1951},{"sentences":[{"text":"Protection.","start":1510.5751,"end":1511.0751,"sentiment":"neutral","sentiment_score":0.05114566162228584},{"text":"Yeah.","start":1513.935,"end":1514.435,"sentiment":"neutral","sentiment_score":0.05600487440824509},{"text":"Yeah.","start":1540.525,"end":1541.025,"sentiment":"neutral","sentiment_score":0.016452331095933914},{"text":"Just just trying to to compare like for like rather than yeah.","start":1541.245,"end":1546.285,"sentiment":"neutral","sentiment_score":-0.000617538578808308},{"text":"I'm just wondering.","start":1546.285,"end":1547.0851,"sentiment":"neutral","sentiment_score":0.027517511198918026}],"sentiment":"neutral","sentiment_score":0.011041385432084402,"num_words":18,"start":1510.5751,"end":1547.0851},{"sentences":[{"text":"It I guess it doesn't really matter so much, but I'm just like, oh, you know, because if if you're only gonna make, like, $45 in ten years, that's not very much.","start":1547.0851,"end":1555.98,"sentiment":"neutral","sentiment_score":-0.05752527953882236},{"text":"Okay.","start":1572.085,"end":1572.485,"sentiment":"neutral","sentiment_score":0.1760413646697998},{"text":"Yeah.","start":1572.485,"end":1572.985,"sentiment":"neutral","sentiment_score":0.29384171962738037},{"text":"Yeah.","start":1580.2101,"end":1580.7101,"sentiment":"neutral","sentiment_score":0.22801801562309265},{"text":"But, you know, at least right now, I think, 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Veronica.","start":1613.76,"end":1614.74,"sentiment":"positive","sentiment_score":0.5510683506727219}],"sentiment":"positive","sentiment_score":0.35004664957523346,"num_words":8,"start":1595.305,"end":1614.74},{"sentences":[{"text":"Yeah.","start":1618.32,"end":1618.82,"sentiment":"neutral","sentiment_score":0.12454473972320557},{"text":"Yep.","start":1630.465,"end":1630.965,"sentiment":"neutral","sentiment_score":0.1318892240524292},{"text":"So that adviser service fee, the 9 $52.09 64, that's yearly, is it?","start":1636.61,"end":1641.89,"sentiment":"neutral","sentiment_score":0.05048685635511692},{"text":"And that gets sort of broken down into monthly sort of is that right?","start":1641.89,"end":1648.55,"sentiment":"neutral","sentiment_score":0.043915342805641036},{"text":"Yeah.","start":1657.065,"end":1657.565,"sentiment":"neutral","sentiment_score":0.06368735432624817}],"sentiment":"neutral","sentiment_score":0.05304217499991258,"num_words":30,"start":1618.32,"end":1657.565},{"sentences":[{"text":"Gets broken down to a monthly.","start":1657.625,"end":1659.245,"sentiment":"neutral","sentiment_score":0.10768790667255719},{"text":"Yeah.","start":1692.81,"end":1692.97,"sentiment":"neutral","sentiment_score":0.03849209100008011},{"text":"Kind of sort of goes both ways.","start":1692.97,"end":1695.61,"sentiment":"neutral","sentiment_score":0.07515849598816463},{"text":"More fair for us, more fair for you.","start":1695.61,"end":1697.39,"sentiment":"neutral","sentiment_score":0.26978692039847374},{"text":"Mhmm.","start":1699.4501,"end":1699.9501,"sentiment":"neutral","sentiment_score":0.18769142031669617}],"sentiment":"neutral","sentiment_score":0.15463981680248096,"num_words":23,"start":1657.625,"end":1699.9501},{"sentences":[{"text":"Yeah.","start":1703.635,"end":1703.955,"sentiment":"neutral","sentiment_score":0.036697499454021454},{"text":"No.","start":1703.955,"end":1704.355,"sentiment":"neutral","sentiment_score":-0.03536657616496086},{"text":"That's great.","start":1704.355,"end":1705.175,"sentiment":"positive","sentiment_score":0.34986696764826775},{"text":"Yeah.","start":1705.955,"end":1706.275,"sentiment":"positive","sentiment_score":0.42548978328704834},{"text":"Happy to do the monthly rollover at the moment just to see how we go.","start":1706.275,"end":1710.0549,"sentiment":"neutral","sentiment_score":0.2971263865629832}],"sentiment":"neutral","sentiment_score":0.2791725220158696,"num_words":20,"start":1703.635,"end":1710.0549},{"sentences":[{"text":"I'll have a read into all of that.","start":1710.355,"end":1712.135,"sentiment":"neutral","sentiment_score":0.11798198521137238},{"text":"Yeah.","start":1712.4299,"end":1712.6699,"sentiment":"neutral","sentiment_score":0.022945240139961243},{"text":"But when when they kept ringing me previously going, oh, you know, it's kinda it's, you know, through up for renewal up for, like, twelve months.","start":1712.6699,"end":1719.1499,"sentiment":"neutral","sentiment_score":-0.06486588795311175},{"text":"I'm like, oh, that's gotta be commitment.","start":1719.1499,"end":1720.5099,"sentiment":"neutral","sentiment_score":-0.07517147995531559},{"text":"Let me read and get through it.","start":1720.5099,"end":1722.99,"sentiment":"neutral","sentiment_score":0.036729171339954646}],"sentiment":"neutral","sentiment_score":-0.020179757658316165,"num_words":49,"start":1710.355,"end":1722.99},{"sentences":[{"text":"And then it just keeps rolling over and rolling over because it's been like, my god.","start":1722.99,"end":1727.07,"sentiment":"neutral","sentiment_score":-0.0609727930277586},{"text":"Like, good.","start":1727.07,"end":1727.8099,"sentiment":"positive","sentiment_score":0.4186975806951523},{"text":"Yeah.","start":1739.4451,"end":1739.9451,"sentiment":"neutral","sentiment_score":0.021173637360334396},{"text":"Yeah.","start":1740.5651,"end":1741.0651,"sentiment":"neutral","sentiment_score":0.05397237092256546},{"text":"Well, because we paid when we first so when we first joined, it was, like, a 3,000 joining fee.","start":1741.27,"end":1747.37,"sentiment":"neutral","sentiment_score":0.00596777379120651}],"sentiment":"neutral","sentiment_score":0.001291389314410014,"num_words":39,"start":1722.99,"end":1747.37},{"sentences":[{"text":"I understood.","start":1747.4299,"end":1748.17,"sentiment":"neutral","sentiment_score":-0.010291050188243389},{"text":"And now we've rolled on to monthly ongoing costs that are 1.1% of our is it our balance, or is it just of the growth?","start":1748.39,"end":1759.875,"sentiment":"neutral","sentiment_score":0.0012113876873627305},{"text":"Yeah.","start":1769.775,"end":1770.015,"sentiment":"neutral","sentiment_score":-0.01417563483119011},{"text":"It was 3,000.","start":1770.015,"end":1771.075,"sentiment":"neutral","sentiment_score":-0.017949668690562248},{"text":"No.","start":1785.805,"end":1786.045,"sentiment":"neutral","sentiment_score":-0.1808929145336151}],"sentiment":"neutral","sentiment_score":-0.0074754676134034526,"num_words":32,"start":1747.4299,"end":1786.045},{"sentences":[{"text":"I was fine with the ongoing fees, but it's just kind of like I there was an understanding of I'm just trying to understand these ongoing fees.","start":1786.045,"end":1796.225,"sentiment":"neutral","sentiment_score":-0.0717250435716576},{"text":"Are they I thought they were a percentage of the income generated of the the growth, not of the whole balance.","start":1796.285,"end":1805.48,"sentiment":"neutral","sentiment_score":-0.10209690939102854},{"text":"Because, like, what's what's yeah.","start":1805.54,"end":1807.7001,"sentiment":"neutral","sentiment_score":-0.07446295619010926},{"text":"Because why should I pay you 1.1% of my whole balance if it's not really growing that fast?","start":1807.7001,"end":1812.98,"sentiment":"neutral","sentiment_score":-0.2713203148709403},{"text":"Like, you know, it's just not saying, like, it should just almost like, when we first started, it was like I understood that we paid $3,000 joining fee, and then we'd be paying percentage of growth.","start":1812.98,"end":1829.165,"sentiment":"neutral","sentiment_score":-0.10798823098755544}],"sentiment":"neutral","sentiment_score":-0.12359129007313853,"num_words":107,"start":1786.045,"end":1829.165},{"sentences":[{"text":"We'd be paying a percentage of the actual performance of the performance of the of the actual of the growth of the balance as opposed to just being the whole balance.","start":1830.16,"end":1844.395,"sentiment":"neutral","sentiment_score":-0.052748805813251004},{"text":"Because otherwise, what incentive if you go, oh, they got $880 there.","start":1844.395,"end":1847.6749,"sentiment":"neutral","sentiment_score":-0.12542654760181904},{"text":"I'm just gonna get 1.1% of that.","start":1847.6749,"end":1849.835,"sentiment":"neutral","sentiment_score":-0.08418031302945954},{"text":"If you're in, why should I try and grow it?","start":1849.835,"end":1851.855,"sentiment":"neutral","sentiment_score":-0.18430091440677643},{"text":"Do you know what I mean?","start":1851.995,"end":1852.7949,"sentiment":"neutral","sentiment_score":-0.073732594648997}],"sentiment":"neutral","sentiment_score":-0.0911363402212208,"num_words":66,"start":1830.16,"end":1852.7949},{"sentences":[{"text":"Because I've I'm I'm locked into that.","start":1852.7949,"end":1854.635,"sentiment":"neutral","sentiment_score":-0.11832929934774127},{"text":"It's like, why would a real estate agent try and get the highest highest house price for someone when they're gonna get $15 anyway for the house sale?","start":1854.635,"end":1864.12,"sentiment":"neutral","sentiment_score":-0.15695800632238388},{"text":"They just wanna do as many as they can, punch as many through as get as many sales as they can.","start":1864.12,"end":1868.7,"sentiment":"neutral","sentiment_score":0.03642040491104126},{"text":"Are they actually doing the best job that they can and getting the best for the client?","start":1868.825,"end":1872.025,"sentiment":"neutral","sentiment_score":0.22138647472157197},{"text":"You just don't know.","start":1872.025,"end":1872.985,"sentiment":"neutral","sentiment_score":-0.13908887654542923}],"sentiment":"neutral","sentiment_score":-0.01624787279537746,"num_words":77,"start":1852.7949,"end":1872.985},{"sentences":[{"text":"Or are they just trying to punch through as many as they can?","start":1872.985,"end":1875.965,"sentiment":"neutral","sentiment_score":-0.06831952614279893},{"text":"You know?","start":1876.585,"end":1877.245,"sentiment":"neutral","sentiment_score":-0.028092646040022373},{"text":"Does that make sense?","start":1877.465,"end":1878.6849,"sentiment":"neutral","sentiment_score":-0.08932081609964371},{"text":"Bless you.","start":1915.9501,"end":1916.77,"sentiment":"neutral","sentiment_score":-0.2743670642375946},{"text":"Yep.","start":1939.4149,"end":1939.9149,"sentiment":"neutral","sentiment_score":-0.08383222669363022}],"sentiment":"neutral","sentiment_score":-0.08791767052290114,"num_words":22,"start":1872.985,"end":1939.9149},{"sentences":[{"text":"Yep.","start":1945.36,"end":1945.6,"sentiment":"neutral","sentiment_score":0.0033776413183659315},{"text":"Thank you.","start":1945.6,"end":1946.26,"sentiment":"positive","sentiment_score":0.5279054939746857},{"text":"It's just been such a a rather shitty thing to be Genex with the whole superannuation having the introduction of superannuation and how it's you know, you get, like, a new fund for pretty much like, we've lost so much of our superannuation with the poor setting up of the whole thing and it being so difficult to actually follow.","start":1949.28,"end":1970.86,"sentiment":"neutral","sentiment_score":-0.17885458106175064},{"text":"Like, I remember being you know, going out to your first jobs and all of a sudden, you get a new superannuation.","start":1970.86,"end":1976.24,"sentiment":"neutral","sentiment_score":-0.20254344289953058},{"text":"You I I remember going to my previous financial adviser with something like 15 or 22 different superannuation funds to to all be rolled into from when I was traveling and working, and and it's kind of like the building of your superannuation.","start":1976.54,"end":1992.835,"sentiment":"neutral","sentiment_score":-0.16575572189203527}],"sentiment":"neutral","sentiment_score":-0.16605889077800384,"num_words":128,"start":1945.36,"end":1992.835},{"sentences":[{"text":"Now they're like, oh, no.","start":1993.055,"end":1993.9349,"sentiment":"neutral","sentiment_score":-0.19125415086746217},{"text":"It's, you know and then you have an insurance in all the different funds that now it's illegal to to to, you know, for or not illegal, but the I'm not even educated in this area.","start":1993.9349,"end":2006.26,"sentiment":"neutral","sentiment_score":-0.2035599797964096},{"text":"It's in yeah.","start":2006.485,"end":2010.085,"sentiment":"neutral","sentiment_score":-0.1600162461400032},{"text":"It used to just be a money grab, and people just be, like, stealing, like, through insurance fees out of every single fund you've got to the point that you had actually accumulated a little bit of balance.","start":2010.085,"end":2020.8049,"sentiment":"neutral","sentiment_score":-0.0979140612639879},{"text":"And then all of a sudden, you go overseas for a couple years, come back, you got nothing left.","start":2020.8049,"end":2024.74,"sentiment":"neutral","sentiment_score":-0.09375898814515064}],"sentiment":"neutral","sentiment_score":-0.14125380067542048,"num_words":101,"start":1993.055,"end":2024.74},{"sentences":[{"text":"It's just and it was just or and yeah.","start":2024.96,"end":2031.68,"sentiment":"neutral","sentiment_score":-0.1612269025709894},{"text":"And we're not and you don't get educated about that at school, but you have to learn about, you know, you have to learn about other shit.","start":2031.68,"end":2039.335,"sentiment":"neutral","sentiment_score":-0.07564746077965807},{"text":"Like, nobody ever teach you about tax, superannuation, or the different types of bills and utilities that you're gonna have to pay when you leave home or how you're gonna have to navigate all of that.","start":2039.335,"end":2048.315,"sentiment":"neutral","sentiment_score":-0.034390647785686373},{"text":"But you're like yeah.","start":2049.335,"end":2050.375,"sentiment":"neutral","sentiment_score":0.008723233360797167},{"text":"You learn about a whole we learn geometry and trig, which well, why don't you just sit there and teach me more about finance?","start":2050.375,"end":2056.1301,"sentiment":"neutral","sentiment_score":-0.009636135073378682}],"sentiment":"neutral","sentiment_score":-0.049279611927922816,"num_words":100,"start":2024.96,"end":2056.1301},{"sentences":[{"text":"And, yeah, why is economics just an elective and not an actual you know, it just varies, yeah, a compulsory.","start":2056.9102,"end":2065.115,"sentiment":"neutral","sentiment_score":-0.04904353180900216},{"text":"Like, I'm looking at at my son's math at the moment.","start":2065.335,"end":2068.2952,"sentiment":"neutral","sentiment_score":0.033303196795962074},{"text":"And rather than just really drilling down on the basics and going through, like, sort of the teach them how to run a business.","start":2068.2952,"end":2077.435,"sentiment":"neutral","sentiment_score":0.028051776501039665},{"text":"Teach them, like, do a bloody MBA in year 12 rather than doing freaking geometry and trigon, algebra, and all the things.","start":2077.495,"end":2085.24,"sentiment":"neutral","sentiment_score":0.04677182334390553},{"text":"Like, do that as an elective.","start":2085.24,"end":2086.7,"sentiment":"neutral","sentiment_score":0.048832655573884644}],"sentiment":"neutral","sentiment_score":0.01663473748927375,"num_words":83,"start":2056.9102,"end":2086.7},{"sentences":[{"text":"Like like, that's not necessary.","start":2086.76,"end":2089.26,"sentiment":"neutral","sentiment_score":-0.11618647277355194},{"text":"Like anyway and so what my point is that superannuation is just such a hard thing to trust because of the fact that it's just always been well, not so much that it's changed.","start":2089.56,"end":2106.58,"sentiment":"neutral","sentiment_score":-0.19311951550052447},{"text":"It's just that that, like, it's always just been so hard to actually they they they cover it up in so much paperwork and so much whatever in the hopes that people won't read it and not really understand it going.","start":2106.58,"end":2119.06,"sentiment":"negative","sentiment_score":-0.3452424003583629},{"text":"Then it's just like a sentence again.","start":2119.06,"end":2120.76,"sentiment":"neutral","sentiment_score":-0.19280581602028438},{"text":"Oh, yeah.","start":2120.855,"end":2121.375,"sentiment":"neutral","sentiment_score":-0.0717964880168438}],"sentiment":"neutral","sentiment_score":-0.2561254830758893,"num_words":89,"start":2086.76,"end":2121.375},{"sentences":[{"text":"That's yeah.","start":2121.375,"end":2122.055,"sentiment":"neutral","sentiment_score":-0.05266249552369118},{"text":"I'm yeah.","start":2122.055,"end":2123.095,"sentiment":"neutral","sentiment_score":-0.04326675832271576},{"text":"Don't worry.","start":2123.095,"end":2123.4949,"sentiment":"neutral","sentiment_score":-0.08557406067848206},{"text":"I'm I'm not even making sense when I talk about this, but I just have such a mistrust in it.","start":2123.4949,"end":2128.055,"sentiment":"negative","sentiment_score":-0.41029562056064606},{"text":"And it's only and it because I'm not educated because that is the one thing that they should be teaching people, like, the kids that at school should actually be learning how to live their life and their leave rather than having to, like, hope that you've got educated parents that can teach you these things.","start":2128.055,"end":2141.93,"sentiment":"neutral","sentiment_score":-0.048992455986860604}],"sentiment":"neutral","sentiment_score":-0.13795727531130358,"num_words":82,"start":2121.375,"end":2141.93},{"sentences":[{"text":"We never actually got taught at school because it didn't exist.","start":2141.99,"end":2144.65,"sentiment":"neutral","sentiment_score":-0.2955534647811543},{"text":"And then you end up with and nobody actually taught you.","start":2144.71,"end":2146.965,"sentiment":"neutral","sentiment_score":-0.2730948586355556},{"text":"It's just like all this mumbo jumbo jargon that goes over everybody's heads, and nobody really understands what's going on.","start":2146.965,"end":2151.5251,"sentiment":"negative","sentiment_score":-0.4022839441895485},{"text":"And you got ten, fifteen superannuation things, and then you gotta try and become a a a specialist in the situation overnight.","start":2151.5251,"end":2159.945,"sentiment":"neutral","sentiment_score":-0.13788736713203517},{"text":"And that's why we roll over to you guys thinking, okay.","start":2160.26,"end":2162.76,"sentiment":"neutral","sentiment_score":-0.02491712502457879}],"sentiment":"neutral","sentiment_score":-0.23477894524733225,"num_words":75,"start":2141.99,"end":2162.76},{"sentences":[{"text":"This is great.","start":2162.8198,"end":2163.54,"sentiment":"positive","sentiment_score":0.4443143606185913},{"text":"You guys have a bit of a better understanding of it than we do.","start":2163.54,"end":2166.44,"sentiment":"neutral","sentiment_score":0.14448327837245806},{"text":"And then you're like, oh, wow.","start":2166.9,"end":2168.18,"sentiment":"neutral","sentiment_score":-0.10517895656327407},{"text":"1% growth.","start":2168.18,"end":2169.3198,"sentiment":"neutral","sentiment_score":-0.15161582827568054},{"text":"Fuck.","start":2169.54,"end":2170.02,"sentiment":"negative","sentiment_score":-0.4941554069519043}],"sentiment":"neutral","sentiment_score":0.07412492985335681,"num_words":26,"start":2162.8198,"end":2170.02},{"sentences":[{"text":"Like, well, jeez.","start":2170.02,"end":2170.8198,"sentiment":"neutral","sentiment_score":-0.27005548278490704},{"text":"Does anyone really know what's going on?","start":2170.8198,"end":2172.68,"sentiment":"neutral","sentiment_score":-0.206036171742848},{"text":"Yep.","start":2183.855,"end":2184.355,"sentiment":"neutral","sentiment_score":-0.018772806972265244},{"text":"Yeah.","start":2190.04,"end":2190.28,"sentiment":"neutral","sentiment_score":-0.03931660950183869},{"text":"And that's the hard thing.","start":2190.28,"end":2191.8198,"sentiment":"neutral","sentiment_score":-0.19863335490226747}],"sentiment":"neutral","sentiment_score":-0.1943338730317705,"num_words":17,"start":2170.02,"end":2191.8198},{"sentences":[{"text":"Mhmm.","start":2192.92,"end":2193.42,"sentiment":"neutral","sentiment_score":-0.02847723290324211},{"text":"Exactly.","start":2194.2,"end":2194.68,"sentiment":"neutral","sentiment_score":-0.031789302825927734},{"text":"And if you're not if you're a busy mom or you're busy working and doing all the other things and you're not and you're trying to go screen free and keep scary news off the TV in front of small children, you're not watching the news every night, following the markets, and staying abreast of things that you probably would have been back in the day when and but I'm not at the moment because I don't want my kids growing up watching what's going on and and having a fear of what's happening, etcetera.","start":2194.68,"end":2221.91,"sentiment":"neutral","sentiment_score":-0.19241690339618608},{"text":"And so this and then whenever you pick up your phone, everything follows an algorithm, and so you're not necessarily getting the news that you wanna read anyway.","start":2221.97,"end":2229.51,"sentiment":"neutral","sentiment_score":-0.14655719511210918},{"text":"And unless you're sitting down in front yeah.","start":2229.65,"end":2231.91,"sentiment":"neutral","sentiment_score":-0.186143659055233}],"sentiment":"neutral","sentiment_score":-0.17994453454096065,"num_words":133,"start":2192.92,"end":2231.91},{"sentences":[{"text":"And unless you actually yeah.","start":2232.29,"end":2238.605,"sentiment":"neutral","sentiment_score":-0.15367883518338205},{"text":"K.","start":2240.1848,"end":2240.6848,"sentiment":"neutral","sentiment_score":-0.26502782106399536},{"text":"Yeah.","start":2241.305,"end":2241.625,"sentiment":"neutral","sentiment_score":-0.04288865253329277},{"text":"And so and yeah.","start":2241.625,"end":2243.785,"sentiment":"neutral","sentiment_score":-0.022048872895538807},{"text":"So I do ask you to sort of, like thanks for being patient with me and my obvious mistrust and slow replies and all that with wanting to read and shit.","start":2243.785,"end":2254.8599,"sentiment":"neutral","sentiment_score":-0.1334043979164093}],"sentiment":"neutral","sentiment_score":-0.1261914875358343,"num_words":42,"start":2232.29,"end":2254.8599},{"sentences":[{"text":"Yeah.","start":2256.1199,"end":2256.5999,"sentiment":"neutral","sentiment_score":0.04342030733823776},{"text":"Thanks.","start":2256.5999,"end":2257.0999,"sentiment":"positive","sentiment_score":0.3945281505584717},{"text":"Yeah.","start":2283.27,"end":2283.77,"sentiment":"neutral","sentiment_score":-0.1148812770843506},{"text":"I think we're all just like but I think it's also just like we're only it's like with the it's like with the Internet with anything.","start":2289.885,"end":2297.165,"sentiment":"neutral","sentiment_score":0.05623740497573566},{"text":"Like, you don't actually know what's like, it's it's like a a system is only is only as good as the people people's knowledge of it and understanding of it and and practice using it.","start":2297.165,"end":2310.54,"sentiment":"neutral","sentiment_score":0.08356734607368707}],"sentiment":"neutral","sentiment_score":0.07359526285563334,"num_words":64,"start":2256.1199,"end":2310.54},{"sentences":[{"text":"And so I complained about all the superannuation palaver of where of my youth and growing up, and I guess that's because everyone was learning.","start":2310.54,"end":2320.255,"sentiment":"negative","sentiment_score":-0.36667096853256226},{"text":"It's a new system.","start":2320.255,"end":2321.395,"sentiment":"neutral","sentiment_score":-0.32843269407749176},{"text":"Everyone's trying to review and revise, drill down, and make it better.","start":2321.455,"end":2325.855,"sentiment":"neutral","sentiment_score":-0.03367079452921947},{"text":"And as it as we're getting older, we're getting better.","start":2325.855,"end":2328.255,"sentiment":"neutral","sentiment_score":0.007098268344998359},{"text":"But it's now at the age of 50, it's like going, okay.","start":2328.255,"end":2331.32,"sentiment":"neutral","sentiment_score":-0.20819437193373838}],"sentiment":"neutral","sentiment_score":-0.21130006831316722,"num_words":63,"start":2310.54,"end":2331.32},{"sentences":[{"text":"I can't just set and forget and go I'll I'll come back to that later.","start":2331.32,"end":2335.72,"sentiment":"neutral","sentiment_score":-0.10932964012026787},{"text":"I actually need to do make some informed decisions, and so I do actually need to put the time aside to actually read it.","start":2335.72,"end":2342.6802,"sentiment":"neutral","sentiment_score":0.044983047215888895},{"text":"I do need to make a better effort because I'm looking at, wow, that's not a really very good forecast of a $120 in ten years at the age of 60 for me.","start":2342.6802,"end":2354.905,"sentiment":"negative","sentiment_score":-0.43675182579141675},{"text":"That's actually frightening.","start":2354.905,"end":2356.2852,"sentiment":"negative","sentiment_score":-0.7644957900047302},{"text":"You know what I mean?","start":2358.7898,"end":2359.3499,"sentiment":"negative","sentiment_score":-0.5672461152076721}],"sentiment":"neutral","sentiment_score":-0.25128599582239985,"num_words":80,"start":2331.32,"end":2359.3499},{"sentences":[{"text":"I'm lucky that Craig's is a little higher, but that essentially is that is not a safe unit at all to be going into a retirement for.","start":2359.3499,"end":2370.63,"sentiment":"negative","sentiment_score":-0.5737821018254315},{"text":"Luckily luckily, we we will you know, we're close to we will be owning our home in about eight to ten years.","start":2370.63,"end":2379.605,"sentiment":"neutral","sentiment_score":0.03133114871822975},{"text":"So that will be fine, and we can rent out the back.","start":2379.825,"end":2382.225,"sentiment":"neutral","sentiment_score":0.029235696730514366},{"text":"And I'm like, holy shit.","start":2382.225,"end":2384.065,"sentiment":"negative","sentiment_score":-0.3996303975582123},{"text":"That's that's not even my husband's wage for one year.","start":2384.065,"end":2388.3398,"sentiment":"neutral","sentiment_score":-0.2771988570690155}],"sentiment":"neutral","sentiment_score":-0.2529229430947453,"num_words":76,"start":2359.3499,"end":2388.3398},{"sentences":[{"text":"You know what I mean?","start":2388.48,"end":2389.0398,"sentiment":"neutral","sentiment_score":-0.17763399183750153},{"text":"Like so it's kinda frightening when we start looking at things.","start":2389.0398,"end":2392.8198,"sentiment":"negative","sentiment_score":-0.3570563508705659},{"text":"Hi.","start":2408.575,"end":2408.91,"sentiment":"neutral","sentiment_score":-0.03644152358174324},{"text":"Yeah.","start":2417.47,"end":2417.97,"sentiment":"neutral","sentiment_score":-0.13342157006263733},{"text":"Oh, it's a huge difference.","start":2425.3352,"end":2426.5552,"sentiment":"neutral","sentiment_score":-0.04416881874203682}],"sentiment":"neutral","sentiment_score":-0.22636943504862164,"num_words":23,"start":2388.48,"end":2426.5552},{"sentences":[{"text":"Yeah.","start":2428.135,"end":2428.375,"sentiment":"neutral","sentiment_score":0.07253655791282654},{"text":"It is.","start":2428.375,"end":2428.935,"sentiment":"neutral","sentiment_score":0.07963330298662186},{"text":"It's massive.","start":2428.935,"end":2429.5151,"sentiment":"neutral","sentiment_score":0.05152149125933647},{"text":"I do have an extra yeah.","start":2431.095,"end":2433.175,"sentiment":"neutral","sentiment_score":0.005618692686160405},{"text":"I will read through this, and then hopefully, you can roll into if like, because if you're paying all the fees and everything anyway, then the higher to the fees, I guess, you get paid more, obviously.","start":2433.175,"end":2447.49,"sentiment":"neutral","sentiment_score":-0.028063163991916825}],"sentiment":"neutral","sentiment_score":-0.013953724274567017,"num_words":48,"start":2428.135,"end":2447.49},{"sentences":[{"text":"Oh, not you, but the business gets a greater percentage of your balance.","start":2447.71,"end":2452.435,"sentiment":"neutral","sentiment_score":0.009353361307428433},{"text":"But if the balance is larger, it's still a small percent.","start":2452.435,"end":2455.255,"sentiment":"neutral","sentiment_score":-0.044225732372565704},{"text":"Do you know what I mean?","start":2455.875,"end":2457.015,"sentiment":"neutral","sentiment_score":-0.025699399101237457},{"text":"Yeah.","start":2493.78,"end":2493.94,"sentiment":"neutral","sentiment_score":-0.02336934395134449},{"text":"I don't yeah.","start":2493.94,"end":2496.5798,"sentiment":"neutral","sentiment_score":-0.02983456167081992}],"sentiment":"neutral","sentiment_score":-0.01858702301979065,"num_words":34,"start":2447.71,"end":2496.5798},{"sentences":[{"text":"Because Okay.","start":2496.5798,"end":2504.165,"sentiment":"neutral","sentiment_score":0.025665228255093098},{"text":"That's on the appendix.","start":2504.165,"end":2505.305,"sentiment":"neutral","sentiment_score":0.03494683327153325},{"text":"Right.","start":2505.445,"end":2505.945,"sentiment":"neutral","sentiment_score":0.04388696327805519},{"text":"Okay.","start":2506.565,"end":2507.065,"sentiment":"positive","sentiment_score":0.4205632209777832},{"text":"Beautiful.","start":2507.125,"end":2507.625,"sentiment":"positive","sentiment_score":0.6182864904403687}],"sentiment":"neutral","sentiment_score":0.14153938492139181,"num_words":9,"start":2496.5798,"end":2507.625},{"sentences":[{"text":"Oh, this.","start":2534.905,"end":2535.645,"sentiment":"neutral","sentiment_score":0.04664649814367294},{"text":"God.","start":2538.5051,"end":2538.825,"sentiment":"neutral","sentiment_score":0.2445354461669922},{"text":"I love it.","start":2538.825,"end":2539.545,"sentiment":"positive","sentiment_score":0.6457298994064331},{"text":"It's like Raven Pierce.","start":2539.545,"end":2541.805,"sentiment":"positive","sentiment_score":0.38438963145017624},{"text":"Oh, yeah.","start":2542.2651,"end":2542.585,"sentiment":"neutral","sentiment_score":0.04005926847457886}],"sentiment":"neutral","sentiment_score":0.32439126695195836,"num_words":12,"start":2534.905,"end":2542.585},{"sentences":[{"text":"You've already paid for this, so we're gonna tax you again when you when you actually get any.","start":2542.585,"end":2547.12,"sentiment":"neutral","sentiment_score":-0.1185748502612114},{"text":"You've only paid for this all your life, but when we pay you out, you're gonna have to pay to receive it and and lose.","start":2547.12,"end":2553.1401,"sentiment":"neutral","sentiment_score":-0.1347725981473923},{"text":"Yeah.","start":2553.6802,"end":2554.1802,"sentiment":"neutral","sentiment_score":-0.0877271369099617},{"text":"Okay.","start":2572.215,"end":2572.615,"sentiment":"neutral","sentiment_score":-0.006059389561414719},{"text":"Got you.","start":2572.615,"end":2573.275,"sentiment":"neutral","sentiment_score":-0.029702017083764076}],"sentiment":"neutral","sentiment_score":-0.12035857061756418,"num_words":47,"start":2542.585,"end":2573.275},{"sentences":[{"text":"Yeah.","start":2590.14,"end":2590.545,"sentiment":"neutral","sentiment_score":-0.017159540206193924},{"text":"That's way better.","start":2602.4648,"end":2603.525,"sentiment":"neutral","sentiment_score":0.22168398896853128},{"text":"Because currently, it is two what?","start":2603.585,"end":2606.405,"sentiment":"neutral","sentiment_score":-0.004473430259774129},{"text":"Two inside.","start":2606.46,"end":2606.94,"sentiment":"neutral","sentiment_score":-0.012077511753886938},{"text":"Just lost the page.","start":2606.94,"end":2608.96,"sentiment":"neutral","sentiment_score":-0.04151436500251293}],"sentiment":"neutral","sentiment_score":0.0269274601014331,"num_words":16,"start":2590.14,"end":2608.96},{"sentences":[{"text":"Yeah.","start":2621.855,"end":2622.355,"sentiment":"neutral","sentiment_score":-0.0004214579239487648},{"text":"See, because, like because it's all like, I obviously would need a massive payout if something happens to my husband.","start":2622.7349,"end":2631.075,"sentiment":"neutral","sentiment_score":-0.08110295133665205},{"text":"But my husband essentially could continue his life as is and wouldn't need such a massive like, his job, everything.","start":2631.375,"end":2640.14,"sentiment":"neutral","sentiment_score":-0.11049371752887964},{"text":"Yes.","start":2640.5198,"end":2641.0198,"sentiment":"neutral","sentiment_score":0.11747261881828308},{"text":"With the working away, he could essentially have his mom or my mom live here or have an au pair and be fine, and it would be continue on as normal.","start":2641.48,"end":2650.035,"sentiment":"neutral","sentiment_score":0.14580318620128016}],"sentiment":"neutral","sentiment_score":0.011027624052375147,"num_words":73,"start":2621.855,"end":2650.035},{"sentences":[{"text":"No.","start":2650.035,"end":2650.355,"sentiment":"neutral","sentiment_score":-0.27382713556289673},{"text":"It would be much better for we don't actually want that to happen.","start":2650.355,"end":2654.375,"sentiment":"neutral","sentiment_score":-0.3170285247839414},{"text":"But but I'm wondering no.","start":2655.155,"end":2657.475,"sentiment":"neutral","sentiment_score":-0.061089803278446195},{"text":"Obviously, that's not what we want.","start":2657.475,"end":2659.415,"sentiment":"neutral","sentiment_score":-0.2099143067995707},{"text":"But I'm just wondering what is the actual, like, having all those insurances in place because I'm probably the more healthy one in the relationship anyway and all those sort of things.","start":2659.555,"end":2677.7,"sentiment":"neutral","sentiment_score":-0.01427227072417736}],"sentiment":"neutral","sentiment_score":-0.11257623645820115,"num_words":57,"start":2650.035,"end":2677.7},{"sentences":[{"text":"I'm just wondering, is it how necessary is it to actually have them in there?","start":2678.675,"end":2683.955,"sentiment":"neutral","sentiment_score":0.002949093778928121},{"text":"Like like, it's only a thousand like, so 800 $900 a year is definitely it's definitely half.","start":2683.955,"end":2691.36,"sentiment":"neutral","sentiment_score":0.07125201032442205},{"text":"So that's a no brainer.","start":2691.36,"end":2692.8,"sentiment":"neutral","sentiment_score":0.1564992696046829},{"text":"We'll go ahead with that 100%.","start":2692.8,"end":2694.4202,"sentiment":"positive","sentiment_score":0.4392537673314412},{"text":"Like, to reduce it pretty much as to the bare minimum to make it comfortable for him, but yep.","start":2694.8,"end":2704.1902,"sentiment":"neutral","sentiment_score":0.25077420080962937}],"sentiment":"neutral","sentiment_score":0.15222982821925993,"num_words":62,"start":2678.675,"end":2704.1902},{"sentences":[{"text":"Yes.","start":2713.975,"end":2714.475,"sentiment":"neutral","sentiment_score":0.05826696753501892},{"text":"Yes.","start":2719.0151,"end":2719.5151,"sentiment":"neutral","sentiment_score":0.02595854550600052},{"text":"Yeah.","start":2726.91,"end":2727.23,"sentiment":"neutral","sentiment_score":-0.002253521233797074},{"text":"Right.","start":2727.23,"end":2727.73,"sentiment":"neutral","sentiment_score":0.004512973129749298},{"text":"Okay.","start":2727.8699,"end":2728.3699,"sentiment":"neutral","sentiment_score":0.0112126637250185}],"sentiment":"neutral","sentiment_score":0.019539525732398033,"num_words":5,"start":2713.975,"end":2728.3699},{"sentences":[{"text":"Is that it's there.","start":2733.295,"end":2735.535,"sentiment":"neutral","sentiment_score":0.005741257104091346},{"text":"Yeah.","start":2735.535,"end":2736.015,"sentiment":"neutral","sentiment_score":-0.029574180021882057},{"text":"Sorry to be a pain.","start":2736.015,"end":2736.975,"sentiment":"neutral","sentiment_score":-0.32246215343475343},{"text":"I know you're you gotta go.","start":2736.975,"end":2738.7551,"sentiment":"neutral","sentiment_score":-0.2279788926243782},{"text":"Just quickly with what is there?","start":2738.895,"end":2741.955,"sentiment":"neutral","sentiment_score":-0.02751903732617696}],"sentiment":"neutral","sentiment_score":-0.14326852265830067,"num_words":22,"start":2733.295,"end":2741.955},{"sentences":[{"text":"And the product disclosure statement that includes the what it actually covers you for, the TBD?","start":2742.175,"end":2749.04,"sentiment":"neutral","sentiment_score":0.027292673126794398},{"text":"Because, like, because, like, what about cancer and things like all those?","start":2749.0999,"end":2754.16,"sentiment":"neutral","sentiment_score":-0.02860340615734458},{"text":"You know?","start":2754.2998,"end":2754.78,"sentiment":"neutral","sentiment_score":-0.014647522941231728},{"text":"Like, so all of that's in there for me to be able to read through what it does and doesn't cover you for?","start":2754.78,"end":2759.28,"sentiment":"neutral","sentiment_score":0.015296280505540579},{"text":"Okay.","start":2759.3398,"end":2759.74,"sentiment":"neutral","sentiment_score":0.06699229776859283}],"sentiment":"neutral","sentiment_score":0.008943585178780335,"num_words":54,"start":2742.175,"end":2759.74},{"sentences":[{"text":"Great.","start":2759.74,"end":2760.24,"sentiment":"positive","sentiment_score":0.5436708331108093},{"text":"Yeah.","start":2768.605,"end":2768.9248,"sentiment":"neutral","sentiment_score":0.0665467157959938},{"text":"No.","start":2768.9248,"end":2769.1648,"sentiment":"neutral","sentiment_score":-0.03971419110894203},{"text":"That's okay.","start":2769.1648,"end":2778.54,"sentiment":"neutral","sentiment_score":0.09925919864326715},{"text":"Great.","start":2778.54,"end":2779.04,"sentiment":"positive","sentiment_score":0.4785066843032837}],"sentiment":"neutral","sentiment_score":0.2079214065646132,"num_words":6,"start":2759.74,"end":2779.04},{"sentences":[{"text":"Mhmm.","start":2782.22,"end":2782.72,"sentiment":"neutral","sentiment_score":0.0775969922542572},{"text":"That's alright.","start":2785.2249,"end":2785.545,"sentiment":"neutral","sentiment_score":0.15844233334064484},{"text":"He's home tonight, and we're gonna review all this sort of stuff over the probably the next few days anyway.","start":2785.545,"end":2790.105,"sentiment":"neutral","sentiment_score":0.16465938054025173},{"text":"So doing a bit of a financial order at the moment just along with tax and all that.","start":2790.105,"end":2794.025,"sentiment":"neutral","sentiment_score":0.20095883020096356},{"text":"You know what it's like comes to that time of year.","start":2794.025,"end":2796.4448,"sentiment":"neutral","sentiment_score":0.05679655176672069}],"sentiment":"neutral","sentiment_score":0.15249404389984333,"num_words":52,"start":2782.22,"end":2796.4448},{"sentences":[{"text":"Oh, Excellent.","start":2797.2249,"end":2802.48,"sentiment":"neutral","sentiment_score":0.19299857318401337},{"text":"Oh, no.","start":2803.02,"end":2803.42,"sentiment":"neutral","sentiment_score":0.02065318450331688},{"text":"Before then.","start":2803.42,"end":2804.24,"sentiment":"neutral","sentiment_score":0.00953691266477108},{"text":"Great.","start":2805.3398,"end":2805.8398,"sentiment":"neutral","sentiment_score":0.14873987436294556},{"text":"Yep.","start":2810.22,"end":2810.72,"sentiment":"neutral","sentiment_score":0.08913012593984604}],"sentiment":"neutral","sentiment_score":0.08553091762587428,"num_words":8,"start":2797.2249,"end":2810.72},{"sentences":[{"text":"Okay.","start":2845.665,"end":2845.9849,"sentiment":"neutral","sentiment_score":0.1618824303150177},{"text":"Great.","start":2845.9849,"end":2846.4849,"sentiment":"neutral","sentiment_score":0.2522341012954712},{"text":"So yeah.","start":2846.705,"end":2849.445,"sentiment":"neutral","sentiment_score":0.12375961989164352},{"text":"So is there a way that I can action that pretty much immediately and still be reading through all of the superannuation part of it?","start":2849.9849,"end":2857.2,"sentiment":"neutral","sentiment_score":0.11399980843067169},{"text":"Like, how often like, is it how often does the is that, like, a monthly installment for the or is it, like, a a a 12 monthly sort of deduction for the you know, how it's yeah.","start":2858.64,"end":2880.805,"sentiment":"neutral","sentiment_score":0.01043645602751624}],"sentiment":"neutral","sentiment_score":0.05905727053301014,"num_words":66,"start":2845.665,"end":2880.805},{"sentences":[{"text":"Oh, okay.","start":2880.865,"end":2881.685,"sentiment":"neutral","sentiment_score":0.022024760022759438},{"text":"Okay.","start":2892.75,"end":2893.07,"sentiment":"neutral","sentiment_score":0.026682188734412193},{"text":"Great.","start":2893.07,"end":2893.57,"sentiment":"positive","sentiment_score":0.5473573803901672},{"text":"Yeah.","start":2896.99,"end":2897.39,"sentiment":"neutral","sentiment_score":0.06283044070005417},{"text":"No.","start":2897.39,"end":2897.63,"sentiment":"neutral","sentiment_score":0.03768303990364075}],"sentiment":"neutral","sentiment_score":0.11976709496229887,"num_words":6,"start":2880.865,"end":2897.63},{"sentences":[{"text":"Great.","start":2897.63,"end":2898.13,"sentiment":"neutral","sentiment_score":0.1666371375322342},{"text":"That's that's that's what I wanted to find out.","start":2898.43,"end":2901.135,"sentiment":"neutral","sentiment_score":-0.07663765632443958},{"text":"I was like, oh, shit.","start":2901.135,"end":2902.095,"sentiment":"neutral","sentiment_score":-0.1449633777141571},{"text":"Have I just paid?","start":2902.095,"end":2903.135,"sentiment":"neutral","sentiment_score":-0.030129126273095608},{"text":"It's like you you upgrade your like, every April, you pay your credit card for $3.95.","start":2903.135,"end":2908.0151,"sentiment":"neutral","sentiment_score":-0.0030282758525572717}],"sentiment":"neutral","sentiment_score":-0.04048250219119447,"num_words":35,"start":2897.63,"end":2908.0151},{"sentences":[{"text":"But then it's like, if you miss it in, you know, next May, you've you've paid for it already for the year.","start":2908.0151,"end":2913.34,"sentiment":"neutral","sentiment_score":-0.07984943374652755},{"text":"You might as well wait till April before you shop around.","start":2913.34,"end":2915.68,"sentiment":"neutral","sentiment_score":-0.08243923498825594},{"text":"But, you know what I mean?","start":2915.74,"end":2916.62,"sentiment":"neutral","sentiment_score":-0.11100188456475735},{"text":"So is that whereabouts when will this renew?","start":2916.62,"end":2919.36,"sentiment":"neutral","sentiment_score":-0.05033689737319946},{"text":"Pardon?","start":2920.46,"end":2920.96,"sentiment":"neutral","sentiment_score":-0.055206798017024994}],"sentiment":"neutral","sentiment_score":-0.07890484191011637,"num_words":48,"start":2908.0151,"end":2920.96},{"sentences":[{"text":"Yeah.","start":2923.42,"end":2923.92,"sentiment":"neutral","sentiment_score":0.029137764126062393},{"text":"Yeah.","start":2926.205,"end":2926.2852,"sentiment":"neutral","sentiment_score":0.2484033554792404},{"text":"Excellent.","start":2926.2852,"end":2926.7852,"sentiment":"positive","sentiment_score":0.5606125593185425},{"text":"Yep.","start":2940.8,"end":2941.3,"sentiment":"neutral","sentiment_score":0.1062297224998474},{"text":"Yeah.","start":2942.4,"end":2942.9,"sentiment":"neutral","sentiment_score":0.1415003389120102}],"sentiment":"neutral","sentiment_score":0.21717674806714057,"num_words":5,"start":2923.42,"end":2942.9},{"sentences":[{"text":"I I'll buzz you guys back in a couple of days, I think, sort of over the next week before next Thursday because Craig flies out next Thursday, so we'll have discussed that.","start":2942.96,"end":2953.38,"sentiment":"neutral","sentiment_score":0.09373020615682683},{"text":"But if you haven't heard from me in by the July 20, just before this expires, can you please chase me?","start":2954.565,"end":2963.465,"sentiment":"neutral","sentiment_score":-0.06786172978934787},{"text":"Thank you.","start":2964.085,"end":2964.905,"sentiment":"neutral","sentiment_score":0.23215985298156738},{"text":"Thank you.","start":2965.765,"end":2966.585,"sentiment":"neutral","sentiment_score":0.11357194185256957},{"text":"Cheers for that, Victoria.","start":2966.72,"end":2967.7,"sentiment":"positive","sentiment_score":0.6281943619251251}],"sentiment":"neutral","sentiment_score":0.07858454056399604,"num_words":62,"start":2942.96,"end":2967.7},{"sentences":[{"text":"Thank you.","start":2968.64,"end":2969.3599,"sentiment":"positive","sentiment_score":0.3773301988840103},{"text":"Bye.","start":2969.3599,"end":2969.8599,"sentiment":"neutral","sentiment_score":0.1214272603392601},{"text":"I just called you Victoria.","start":2970.96,"end":2972.18,"sentiment":"neutral","sentiment_score":0.009872828423976899},{"text":"Thank you.","start":2973.9429,"end":2975.083,"sentiment":"neutral","sentiment_score":0.23563949763774872},{"text":"Is is it?","start":2975.9429,"end":2976.583,"sentiment":"neutral","sentiment_score":0.006219265361626943}],"sentiment":"neutral","sentiment_score":0.10887604550673412,"num_words":13,"start":2968.64,"end":2976.583},{"sentences":[{"text":"Okay.","start":2976.583,"end":2977.083,"sentiment":"neutral","sentiment_score":0.24173524975776672},{"text":"Thank you.","start":2977.783,"end":2978.4429,"sentiment":"positive","sentiment_score":0.5576819181442261},{"text":"Bye.","start":2978.503,"end":2979.003,"sentiment":"positive","sentiment_score":0.4326474666595459},{"text":"Bye.","start":2979.543,"end":2979.9429,"sentiment":"neutral","sentiment_score":0.10919296741485596},{"text":"Bye.","start":2979.9429,"end":2980.4429,"sentiment":"neutral","sentiment_score":0.10319718718528748}],"sentiment":"positive","sentiment_score":0.33368945121765137,"num_words":6,"start":2976.583,"end":2980.4429},{"sentences":[{"text":"Thank you.","start":2980.583,"end":2981.403,"sentiment":"positive","sentiment_score":0.5056886374950409},{"text":"Bye.","start":2981.463,"end":2981.963,"sentiment":"neutral","sentiment_score":0.25546324253082275}],"sentiment":"positive","sentiment_score":0.4222801725069682,"num_words":3,"start":2980.583,"end":2981.963}]}}]}],"paragraphs":{"transcript":"\nChannel 1: If you record your name and reason for calling, I'll see if this person is available.\n\nChannel 0: Veronica, Oakview Financial.\n\nChannel 1: Thanks. Please stay on the line. Hello?\n\nChannel 0: Good afternoon. This is Shannon.\n\nChannel 1: Yes. Speaking.\n\nChannel 0: This is Veronica from OC Financial. How are you?\n\nChannel 1: Hi, Veronica. I'm well. Thanks. How are you?\n\nChannel 0: Good. Thanks.\n\nChannel 1: That's good.\n\nChannel 0: I had you booked in to go over the the research I did on\n\nChannel 1: Yes.\n\nChannel 0: your superannuation. Is now still a\n\nChannel 1: Yes.\n\nChannel 0: good time?\n\nChannel 1: Yeah. No. Now's\n\nChannel 0: Yeah.\n\nChannel 1: great. Thank you.\n\nChannel 0: Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.\n\nChannel 1: Sure. That's fine.\n\nChannel 0: Perfect. And just for security purposes, just so that I can confirm I am speaking with the right person, can I just get you to confirm your full name, date of birth, and address, please?\n\nChannel 1: Yep. Shannon Leah Dickinson. 20 Martha Street, Bakersfield 6162, and 05/28/1976.\n\nChannel 0: Yep. Perfect. And how's your morning been so far? Been busy?\n\nChannel 1: Yeah. It's been good. I've got\n\nChannel 0: Yeah.\n\nChannel 1: the kids off to school. It's been cold, and now just prepping for husband to fly in here this afternoon.\n\nChannel 0: Oh,\n\nChannel 1: So,\n\nChannel 0: yeah.\n\nChannel 1: yeah,\n\nChannel 0: Well,\n\nChannel 1: getting on\n\nChannel 0: I\n\nChannel 1: the system.\n\nChannel 0: will try not to not to\n\nChannel 1: That's\n\nChannel 0: keep you\n\nChannel 1: okay.\n\nChannel 0: for too long, Shannon.\n\nChannel 1: No. It's fine.\n\nChannel 0: Do you have access to your emails at the moment?\n\nChannel 1: Yep. Hold on.\n\nChannel 0: Yeah?\n\nChannel 1: Just walk into\n\nChannel 0: Okay.\n\nChannel 1: the other room.\n\nChannel 0: Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: Because what I have done is I have to send you an email with the recommendation, and it\n\nChannel 1: Okay.\n\nChannel 0: usually makes it a little bit easier if you can actually see it at the same time if you do have the option of doing so.\n\nChannel 1: Sure. Yeah. No. That's great. Give me two second.\n\nChannel 0: Sure.\n\nChannel 1: Did you only just send it?\n\nChannel 0: Yes. Just now. Sometimes it ends up in the spam folder as well.\n\nChannel 1: Yeah. Let's\n\nChannel 0: Sometimes it can take a a\n\nChannel 1: have\n\nChannel 0: few minutes. Let me see. So this\n\nChannel 1: a\n\nChannel 0: has\n\nChannel 1: look.\n\nChannel 0: been sent two minutes ago on my end, so it could be on its way.\n\nChannel 1: Nope.\n\nChannel 0: Do nothing?\n\nChannel 1: Just I here we go. See my\n\nChannel 0: Oh,\n\nChannel 1: card.\n\nChannel 0: perfect.\n\nChannel 1: Just a minute. Okay.\n\nChannel 0: Perfect. So\n\nChannel 1: Yeah.\n\nChannel 0: you will see before you click on the link where it says sign now, you will see a couple of attachments at the bottom of that email. Can you see those? Yep.\n\nChannel 1: Yep.\n\nChannel 0: Now I won't go through all of them with you because, otherwise, I'll keep you here for a while, but that's just that's essentially where all the research and everything goes. So all their\n\nChannel 1: Yeah.\n\nChannel 0: corresponding\n\nChannel 1: Thank you.\n\nChannel 0: products disclosure statement through everything is there. I have also included the appendix with some alternatives for you as well.\n\nChannel 1: So is\n\nChannel 0: But\n\nChannel 1: that the\n\nChannel 0: if you\n\nChannel 1: Ascendant, the insurance? Is that what\n\nChannel 0: yes.\n\nChannel 1: you said?\n\nChannel 0: Yes.\n\nChannel 1: Yep.\n\nChannel 0: So with the appendix. So you should\n\nChannel 1: Yep.\n\nChannel 0: say that one of the attachment is an appendix, and there is a\n\nChannel 1: Alright.\n\nChannel 0: couple of alternatives in the appendix. But I'll go through the actual recommendation first, and then I will show you the couple\n\nChannel 1: Hang\n\nChannel 0: of alternatives\n\nChannel 1: on. There's the appendix.\n\nChannel 0: in there.\n\nChannel 1: I'm just looking for that. I've got Oakview PDF, investment booklet,\n\nChannel 0: Yep.\n\nChannel 1: call menu, hub 24, just the PDF, additional\n\nChannel 0: Yep.\n\nChannel 1: information booklet, send\n\nChannel 0: Yep.\n\nChannel 1: the insurance PDF, and the SOA oh, sorry. The SOA.\n\nChannel 0: That one.\n\nChannel 1: Yep. Down button. Yep.\n\nChannel 0: Yep.\n\nChannel 1: Cool.\n\nChannel 0: That's that\n\nChannel 1: So\n\nChannel 0: one.\n\nChannel 1: is that the one\n\nChannel 0: But\n\nChannel 1: you want\n\nChannel 0: what\n\nChannel 1: me to open?\n\nChannel 0: I will get you to have a look at that later because\n\nChannel 1: Okay.\n\nChannel 0: I wanna go through the actual recommendations first, but\n\nChannel 1: Okay.\n\nChannel 0: then the appendix is the one I do wanna refer back through after. But if you could click on the link where it says sign now. Now it won't get you to sign right away. It will allow you to open up and view everything first.\n\nChannel 1: Okay. Okay.\n\nChannel 0: And when you click on it, it should show the first document first where it says statement of reply.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: Now this has been tailored specifically for you, and I have\n\nChannel 1: Okay.\n\nChannel 0: put together a strategy that I believe are going to achieve your goals and your objectives the best. But at the end of the day, Shannon, it is completely up to you. They are just recommendation. It is joy your choice at the end of the day whether you wanna take some of it, all of it, or none of it at the end of the day.\n\nChannel 1: Cool. Thank you.\n\nChannel 0: Now you will\n\nChannel 1: So\n\nChannel 0: yes.\n\nChannel 1: yeah. So are you wanting to go through this with me, or am I to have a rate\n\nChannel 0: Yes.\n\nChannel 1: and then we go through it later? Or how do you wanna go about it?\n\nChannel 0: A bit of both. So what I would like to do is just run through the main points with you while I have you on the phone to pin point that, but then I will\n\nChannel 1: Yeah.\n\nChannel 0: get you to have an opportunity to read over everything in your own time as well because it is quite long. So I don't wanna go through everything with you because you'll see it's it's about 40 pages, But I will kind\n\nChannel 1: Yeah.\n\nChannel 0: of go through the main changes in the recommendation and why I have made them, and then I will let you through have an opportunity to read over everything. And if you have any questions afterwards, we can always do another catch up.\n\nChannel 1: Yeah. So\n\nChannel 0: Yep.\n\nChannel 1: I say\n\nChannel 0: Does\n\nChannel 1: that\n\nChannel 0: that\n\nChannel 1: I'm\n\nChannel 0: make\n\nChannel 1: still\n\nChannel 0: sense?\n\nChannel 1: yeah. No. That's fine.\n\nChannel 0: Yep.\n\nChannel 1: I say that I'm still in high growth. So what if we recommended from here? Yep.\n\nChannel 0: Yeah. So what I will do first is just kind of go through just my compliance point of view. On the cover page as well, you will also see my details listed. You will see\n\nChannel 1: Yeah.\n\nChannel 0: my authorized representative number, and I am licensed under OQ Financial. Now to save you time, I will kind of skip through straight to the recommendation. But some of\n\nChannel 1: Yeah.\n\nChannel 0: the pages that you will scroll through outlines the best interest duty, which essentially means that we have to act in your best interest at all time. The advice itself has to put you in a better position as a result of the advice. Otherwise, we can't actually make the recommendation. So a lot of that kind of wording is where you would have scrolled through. You would have also scrolled through a couple of pages talking about scope of advice.\n\nJust for your reference, what it is is referring back to the areas we are looking at today. So simply today, what we are looking at and what I have recommended is reviewing your superannuation to make sure that everything is set up correctly for you. I have also considered a couple of those industry low cost funds for you as a comparison as well as well as with your insurances canceling your income protection and keeping your life and PPD for the time being. Does that make\n\nChannel 1: Okay.\n\nChannel 0: sense?\n\nChannel 1: Mhmm.\n\nChannel 0: Yeah.\n\nChannel 1: So I see that this income protection, I'm paying 3,000 a year. Is that right? I mean, is that currently the yearly premium, or is that what I would get? I'm just looking at this, Asenda,\n\nChannel 0: Yep.\n\nChannel 1: your current risk protection portfolio. I've\n\nChannel 0: Yeah.\n\nChannel 1: just like,\n\nChannel 0: So\n\nChannel 1: I was\n\nChannel 0: on\n\nChannel 1: just\n\nChannel 0: page\n\nChannel 1: scrolling\n\nChannel 0: on\n\nChannel 1: through\n\nChannel 0: page nine,\n\nChannel 1: page nine.\n\nChannel 0: is that it? Yeah. Beautiful.\n\nChannel 1: Yeah.\n\nChannel 0: This is what you currently have.\n\nChannel 1: This\n\nChannel 0: So\n\nChannel 1: is\n\nChannel 0: this\n\nChannel 1: what\n\nChannel 0: is\n\nChannel 1: I currently\n\nChannel 0: current\n\nChannel 1: have. Right?\n\nChannel 0: Correct.\n\nChannel 1: Okay.\n\nChannel 0: So this\n\nChannel 1: Premium\n\nChannel 0: includes\n\nChannel 1: $2,700, and that's what I get. Or that's\n\nChannel 0: All\n\nChannel 1: what\n\nChannel 0: 3.\n\nChannel 1: yeah. So that's what\n\nChannel 0: Yes.\n\nChannel 1: would get paid out to Harvey if something happened to me.\n\nChannel 0: Correct. So that is your\n\nChannel 1: Yeah.\n\nChannel 0: life, which you can see here, 800\n\nChannel 1: Yeah.\n\nChannel 0: TPD, and income protection. So all three is 2,708 after the tax rebate. So that is what you are currently paying.\n\nChannel 1: Okay. That can\n\nChannel 0: Yep.\n\nChannel 1: definitely get dropped down.\n\nChannel 0: Yes. So I have recommended that for you. Now\n\nChannel 1: Oh,\n\nChannel 0: do you want me to start with the insurances,\n\nChannel 1: thank\n\nChannel 0: or would you like me to start with the superannuation? Because superannuation,\n\nChannel 1: you.\n\nChannel 0: you scroll through first,\n\nChannel 1: Okay.\n\nChannel 0: but I\n\nChannel 1: We'll\n\nChannel 0: can touch\n\nChannel 1: do that.\n\nChannel 0: on this yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Okay.\n\nChannel 1: We\n\nChannel 0: Perfect.\n\nChannel 1: can just go in we can just go in go\n\nChannel 0: That's\n\nChannel 1: in order\n\nChannel 0: how it comes.\n\nChannel 1: of the paperwork.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Saves you\n\nChannel 1: Make\n\nChannel 0: having\n\nChannel 1: it easy\n\nChannel 0: to scroll\n\nChannel 1: for\n\nChannel 0: back and forth.\n\nChannel 1: me.\n\nChannel 0: But, essentially, after that,\n\nChannel 1: Mhmm.\n\nChannel 0: so page 10, you will just see a little bit of information in regards to that high growth portfolio again. So when we spoke last time, you said that you were quite comfortable to stay within the same risk profile. Your\n\nChannel 1: Well,\n\nChannel 0: main concern.\n\nChannel 1: no.\n\nChannel 0: Okay.\n\nChannel 1: Not happy to stay in the high growth risk profile, but\n\nChannel 0: Okay.\n\nChannel 1: not happy to change when I'd be going to be selling high growth or low. I just don't think it's the I needed sort of like well, that's why I'm speaking to\n\nChannel 0: Mhmm.\n\nChannel 1: you because you're the expert. I just\n\nChannel 0: Mhmm.\n\nChannel 1: feel like the high growth at that point\n\nChannel 0: Mhmm.\n\nChannel 1: was very volatile, and to be selling it for more safe options\n\nChannel 0: Yep.\n\nChannel 1: before it sort of bounces back a little bit is probably\n\nChannel 0: Mhmm.\n\nChannel 1: the wrong time to sell. Is that right? I'm not sure. I don't know\n\nChannel 0: Yeah.\n\nChannel 1: if I do\n\nChannel 0: No.\n\nChannel 1: if my\n\nChannel 0: And\n\nChannel 1: understanding's\n\nChannel 0: I I\n\nChannel 1: that.\n\nChannel 0: no. You totally make sense. And it is it is like that as well because when you do make when we make a change, especially when it comes to your superannuation, which is a little bit more about long term investment, We wanna make sure we keep it for for a longer period of time. You you wanna be proactive when it comes to the investments in the market, but at the same time, we don't also want to be, like, day trading or making too many changes. Because when you do make a change, unless there are structural issues in regards to one particular investment, you have to pay capital gains tax and\n\nChannel 1: Correct.\n\nChannel 0: transaction fees to do so. So we are then also considering the whole impact. And if it's a matter of let's sell right now to then potentially increase the risk later on, that's usually not the best idea if you have the time in the market because often trying to time the market fluctuation up and down is very hard. And when you are looking historically with the market and the people that are trying to buy and sell, like, buy high, sell low, and trying to time\n\nChannel 1: Yeah.\n\nChannel 0: it\n\nChannel 1: Time.\n\nChannel 0: to take advantage of that, it doesn't\n\nChannel 1: Yeah.\n\nChannel 0: actually put you in a better position than if you just kind of maintain it as long as you have the time behind you, which you do at the moment. Does\n\nChannel 1: Yeah.\n\nChannel 0: that\n\nChannel 1: Yeah.\n\nChannel 0: make sense?\n\nChannel 1: Correct. Yeah. So\n\nChannel 0: Yes.\n\nChannel 1: I'm happy for it to stay where it is, but when the next really good opportunity to\n\nChannel 0: Mhmm.\n\nChannel 1: sort of buy like, to to sell and buy into a more sort of medium growth, that would\n\nChannel 0: Yep.\n\nChannel 1: be,\n\nChannel 0: Yep.\n\nChannel 1: you know,\n\nChannel 0: Beautiful.\n\nChannel 1: medium to save. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: I'm sort\n\nChannel 0: I'll\n\nChannel 1: of\n\nChannel 0: make\n\nChannel 1: like so if whilst we've got the time, I'd like to\n\nChannel 0: yes.\n\nChannel 1: allow it to grow, but then when there's a really good opportunity to sell it before it drops out again because,\n\nChannel 0: Yep.\n\nChannel 1: you know, it's just so volatile. I just don't need the stress of it.\n\nChannel 0: Yeah. Yes. So we can definitely I'll make a little note because I have here as well that we'll touch base, obviously, every couple of months just to check-in and see how things are going.\n\nChannel 1: Yeah.\n\nChannel 0: And I'll make\n\nChannel 1: I'm\n\nChannel 0: a little note as well\n\nChannel 1: happy\n\nChannel 0: through\n\nChannel 1: with, like, once a quarter.\n\nChannel 0: okay.\n\nChannel 1: Like, previously, it's been, like, once a year. Like, look,\n\nChannel 0: Mhmm.\n\nChannel 1: if if something happens where\n\nChannel 0: Of\n\nChannel 1: you're\n\nChannel 0: course.\n\nChannel 1: like, oh, hang on a minute. I'm not gonna leave it to once\n\nChannel 0: No.\n\nChannel 1: a quarter. If if if there's movement in the market, anything\n\nChannel 0: Correct.\n\nChannel 1: okay. This is a really good time for Sean to double down to,\n\nChannel 0: Yep.\n\nChannel 1: like,\n\nChannel 0: Yeah. I'm not gonna\n\nChannel 1: to\n\nChannel 0: be\n\nChannel 1: sort\n\nChannel 0: like,\n\nChannel 1: of\n\nChannel 0: oh,\n\nChannel 1: transfer.\n\nChannel 0: your under review is not up. Yeah. I'm not gonna quote you. No. It\n\nChannel 1: Yeah.\n\nChannel 0: doesn't work\n\nChannel 1: Please.\n\nChannel 0: like that.\n\nChannel 1: Not like it's been for the last\n\nChannel 0: No.\n\nChannel 1: whoever I was with previously, I didn't even know Alan West Richard moves. You know? I I didn't even know\n\nChannel 0: Yeah.\n\nChannel 1: he'd so\n\nChannel 0: Just\n\nChannel 1: yeah.\n\nChannel 0: communication.\n\nChannel 1: Anyway\n\nChannel 0: Yes.\n\nChannel 1: well and I wasn't replying because it was I wasn't impressed with the 1% growth over the year. And I'm like,\n\nChannel 0: Yep.\n\nChannel 1: oh my god. Or to sell when there's only been 1%\n\nChannel 0: Mhmm.\n\nChannel 1: growth, I'm obviously gonna lose a whole lot of money if\n\nChannel 0: Mhmm.\n\nChannel 1: it's that low. Sort of want it to bounce back a little bit\n\nChannel 0: Yep.\n\nChannel 1: before we I don't know.\n\nChannel 0: Make some\n\nChannel 1: Unless\n\nChannel 0: changes.\n\nChannel 1: it's just been really bad really bad investment investing. Unless, you know, they're very bad investment choices of funds in the beginning from whoever was doing the job before you. Do you know what I mean? I don't know.\n\nChannel 0: Yeah.\n\nChannel 1: I don't know.\n\nChannel 0: And it totally totally makes sense. And so what I have recommended to make it easier is when you scroll through the pages, you will it's quite wild, David. It is so you have the opportunity later to read through everything so that you are fully informed. But it talks about what the actual recommendation is and why I have recommended it. I usually\n\nChannel 1: Thanks.\n\nChannel 0: find that the easiest way to look at it as a starting point is to just kind of look at the numbers and how that will look like. So if you can scroll down to page\n\nChannel 1: Yeah.\n\nChannel 0: 16 for me.\n\nChannel 1: 15.\n\nChannel 0: 16. Yep.\n\nChannel 1: Oh, 16.\n\nChannel 0: And it's\n\nChannel 1: Sorry. Yep.\n\nChannel 0: 16. Yep. And you should\n\nChannel 1: Yep.\n\nChannel 0: have a table where it says fee comparison table. Can you see that?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Now that basically puts all the numbers and everything into perspective. So you can see here your if you look at your the first situation first, which is your current. That shows you your current balance. It shows you your total fees currently.\n\nIt shows you the insurance premium. It shows you the the total cost of your hub 24, but it also then shows you the return on your investments currently using a five year rolling average. Now we like to use a five year rolling average because it gives us a little bit more certainty of what has happened in the market and the world. There's obviously no guarantee with investment, but that is why we prefer to use five years. Because if I use twelve months, depending on when I were to use it, some years, it would have looked like you've won the lottery.\n\nOther years, not so great. So having a five year time frame of averaging it out gives us a little bit more certainty. Does that make sense, Shannon?\n\nChannel 1: Yeah. No. That's great.\n\nChannel 0: Yep. Now what I\n\nChannel 1: Yeah. Sorry. Here\n\nChannel 0: no.\n\nChannel 1: you go.\n\nChannel 0: I was like, what I have recommended, it is staying in hub twenty four. Now I did consider a lot of different other alternatives for you. So I considered other kind of comparison options to hub twenty four when it comes to the sophistication, but also the investment choices and flexibilities in constructing the portfolio. But what I also considered is the the kind of top rated industry funds as well. So I considered AustralianSuper, AwareSuper, and Host Plus for you, which is in the appendix later just\n\nChannel 1: Okay.\n\nChannel 0: so that you can see the alternative. Because I know, obviously, fees and everything was a you know, is obviously a factor. So\n\nChannel 1: Well,\n\nChannel 0: part\n\nChannel 1: it's a factor\n\nChannel 0: of the\n\nChannel 1: when it's a factor only when the growth was so low. And okay.\n\nChannel 0: Correct.\n\nChannel 1: I you don't know when you're looking at that\n\nChannel 0: Yeah.\n\nChannel 1: growth. Okay. Look. What what's the performance across the whole\n\nChannel 0: Mhmm.\n\nChannel 1: the wider so, like, landscape?\n\nChannel 0: Yep.\n\nChannel 1: But is it just, like, if it's 1% and, you know, everyone else is doing that point 5%, then you're like,\n\nChannel 0: Then\n\nChannel 1: okay.\n\nChannel 0: there's\n\nChannel 1: Well, actually,\n\nChannel 0: something\n\nChannel 1: you're\n\nChannel 0: more\n\nChannel 1: doing\n\nChannel 0: going\n\nChannel 1: quite\n\nChannel 0: on.\n\nChannel 1: well relatively.\n\nChannel 0: Yeah.\n\nChannel 1: Right?\n\nChannel 0: Yes.\n\nChannel 1: But the thing is when you're, like, looking around and going, hang on a minute. Why are we why are we\n\nChannel 0: Yeah.\n\nChannel 1: doing even bothering being so sophisticated when it's 1% and there's other places being, like, eight?\n\nChannel 0: Yeah. And and it has to be worth it, and I completely get that. So if you are paying a little bit more in fees, you obviously wanna make sure that at net of\n\nChannel 1: Yeah.\n\nChannel 0: everything,\n\nChannel 1: Value.\n\nChannel 0: it\n\nChannel 1: Value.\n\nChannel 0: pays off.\n\nChannel 1: Economics\n\nChannel 0: Exactly.\n\nChannel 1: is all about\n\nChannel 0: Exactly.\n\nChannel 1: fun. Why the hell am I gonna go for something a little bit more expensive, a little bit more\n\nChannel 0: Mhmm.\n\nChannel 1: complex, a little bit harder for me to manage myself if\n\nChannel 0: Unless\n\nChannel 1: it's gonna\n\nChannel 0: it pays\n\nChannel 1: cost\n\nChannel 0: off.\n\nChannel 1: me, like, so much\n\nChannel 0: Yep.\n\nChannel 1: more.\n\nChannel 0: Yeah.\n\nChannel 1: I'm like, come on. I'm\n\nChannel 0: So\n\nChannel 1: sorry. I'm not trying I'm not not trying to I just got sold it so well\n\nChannel 0: Yeah.\n\nChannel 1: in the beginning\n\nChannel 0: Yeah.\n\nChannel 1: that I sort of, you know, just sat on my hands for a little bit hoping that this would resolve itself and that there would be some sort of some sort of reason to continue or to keep staying.\n\nChannel 0: Yep.\n\nChannel 1: You know how you have to sort of give things time to show them\n\nChannel 0: Yes.\n\nChannel 1: to show\n\nChannel 0: Yep.\n\nChannel 1: their their their cards.\n\nChannel 0: What's going on? Yep.\n\nChannel 1: But\n\nChannel 0: Yep.\n\nChannel 1: yeah. And so yeah. So I sorta hadn't I was avoiding a lot of the phone calls from Oakview because I was waiting to sorta see proof in the pudding and\n\nChannel 0: Yeah.\n\nChannel 1: yeah. Yeah. So it's been great. Thank you. I look forward to receiving this.\n\nIt's gonna take me a little bit to actually\n\nChannel 0: Of\n\nChannel 1: read\n\nChannel 0: course.\n\nChannel 1: through it properly. I\n\nChannel 0: And\n\nChannel 1: really\n\nChannel 0: there's a\n\nChannel 1: do\n\nChannel 0: lot.\n\nChannel 1: appreciate. Yeah. You've\n\nChannel 0: No\n\nChannel 1: done a\n\nChannel 0: worry.\n\nChannel 1: lot of work\n\nChannel 0: I'm\n\nChannel 1: here.\n\nChannel 0: not\n\nChannel 1: I can see\n\nChannel 0: I'm\n\nChannel 1: that. Mhmm.\n\nChannel 0: and that's and that's fine. And I definitely want you to take your time to go through it. Now some of the points I do wanna point out just so that you are aware, you can obviously see that I have made a recommendation to move to the SMA. Do you remember us talking\n\nChannel 1: Yeah. We do.\n\nChannel 0: briefly about\n\nChannel 1: Yep.\n\nChannel 0: yes. So I did consider not SMA a lot of different options. So the obviously, the benefit with the SMA is that flexibility with the investment choices, and we can be more proactive because you don't have the same process when it comes to going through things. So that's what makes it really good. But at the same time, I wanted to make sure that, well, is it going to be cheaper for you, and is it going to perform better?\n\nBecause, otherwise, just having that flexibility, which, yes, in the future, especially with everything going on in the market, it allows us to do that. But I need to factor in everything, not just that. And in doing it, it you can see here that it is actually a bit cheaper for you.\n\nChannel 1: Yeah.\n\nChannel 0: So it is\n\nChannel 1: It's a\n\nChannel 0: reducing\n\nChannel 1: bit cheaper.\n\nChannel 0: the cost.\n\nChannel 1: So why does my why would the balance start out at $86,003.85 instead of instead of as the same?\n\nChannel 0: 87. Yep.\n\nChannel 1: 80\n\nChannel 0: That is\n\nChannel 1: 7.\n\nChannel 0: a excellent question. So you can see the difference there of about 700 and\n\nChannel 1: Is\n\nChannel 0: 14.\n\nChannel 1: that a rollover? Like, is that a is that a charge for the SMA, or is that like, what's that\n\nChannel 0: No.\n\nChannel 1: for?\n\nChannel 0: That's the capital gains tax. So, obviously, by changing investments, when you are selling investments that have gone up, you have\n\nChannel 1: Yeah.\n\nChannel 0: to pay capital gains tax\n\nChannel 1: Got\n\nChannel 0: on\n\nChannel 1: you.\n\nChannel 0: the earnings. Now I've tried to minimize that as much as possible, and it does fluctuate on a daily, obviously, with market prices, but\n\nChannel 1: Yeah.\n\nChannel 0: it is estimated at around 714. Now just for your reference, when I considered going through Australian SuperAway Superhost Plus, that would obviously be a full sell down of everything. The capital\n\nChannel 1: Yeah.\n\nChannel 0: gains tax is estimated at around 1,444 just so\n\nChannel 1: Yeah.\n\nChannel 0: that you have that comparison.\n\nChannel 1: Which isn't\n\nChannel 0: So\n\nChannel 1: really\n\nChannel 0: when you\n\nChannel 1: that much considering\n\nChannel 0: no.\n\nChannel 1: my\n\nChannel 0: It's pretty\n\nChannel 1: consider\n\nChannel 0: good.\n\nChannel 1: it just well, that just is because there hasn't been that much growth. Do you know what I\n\nChannel 0: It's\n\nChannel 1: mean?\n\nChannel 0: a it's a combination of swapping the investments in a tax effective way. So if I also, some of your good investments at the moment are also in the SMA. So,\n\nChannel 1: Right.\n\nChannel 0: obviously, when you do just, like, a a swap over, then you don't have to pay capital gains tax on everything.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: So it is a bit of a combination. So it\n\nChannel 1: Yeah.\n\nChannel 0: is good in that way that you don't have to pay too much, but it is something I do wanna let you know, and I'm very glad that you pointed out\n\nChannel 1: Yeah.\n\nChannel 0: that is the difference.\n\nChannel 1: Well, you would sort of hope that, look, when you're looking from 6.93%, it would progress to 9.8 and with the the speed in which you can action\n\nChannel 0: Mhmm.\n\nChannel 1: changes and stuff to be a bit more efficient, that should\n\nChannel 0: Yes.\n\nChannel 1: be recovered fairly quickly.\n\nChannel 0: Exactly. Now with the SMA is that because you kind of invested in the the SMA high growth option, if you don't have to state that we have a lot of different SMAs, a lot of different configurations. So, actually, if you first scroll down to page 17, you can see it kind of just projected five and ten years forward. Now that factors in everything. So it factors in adviser fees.\n\nIt factors in insurances, the capital gains tax, everything. But it shows you also that the the little improvement in the return along with the reduction in the space, it does compound for you. Now that is also assuming no contribution, so you're not putting anything into a super either.\n\nChannel 1: So is that on top of the existing, or is that the total? Like, so lump sum in ten years, 74 how does the lump sum in five years go to 81 down to 74? Like,\n\nChannel 0: Because of yeah. Which is a\n\nChannel 1: current\n\nChannel 0: which is a great question because of the fees. Because the fees at the moment, and you don't have anything going in. So\n\nChannel 1: how\n\nChannel 0: the return on your investments are growing, but you obviously have fees coming out. Because you don't have any contributions going into super as well, that's why, which is, obviously,\n\nChannel 1: And my\n\nChannel 0: when\n\nChannel 1: fees\n\nChannel 0: we\n\nChannel 1: are\n\nChannel 0: look\n\nChannel 1: actually\n\nChannel 0: at it,\n\nChannel 1: a lot greater than, like, than what like, if\n\nChannel 0: the\n\nChannel 1: it's\n\nChannel 0: return\n\nChannel 1: if it's\n\nChannel 0: has been\n\nChannel 1: yeah.\n\nChannel 0: yeah. So so I don't recommend staying, which is which is why the underviews and I'm very glad you did, you know, obviously, speak to me during the underview and allow me to do this so\n\nChannel 1: Fuck.\n\nChannel 0: we can then make changes and not just kind of lead it. Because because with the market, it it's such a fluid thing as well. Right? So it's like, what is best for you when you came on board even a year ago to today is always changing. So we wanna\n\nChannel 1: Okay.\n\nChannel 0: make sure we we keep changing things because the market things are changing. No one knew about all the tariffs that Trump, you know, decided.\n\nChannel 1: Yeah.\n\nChannel 0: No one knew about the war, and no one knew about COVID. Like, there's a lot of things happening. So that's why we\n\nChannel 1: Yep.\n\nChannel 0: always it's not a, like, a sudden forget thing, which another kind of plus\n\nChannel 1: No.\n\nChannel 0: with the SMA is that it allows us to be a bit more proactive in that way.\n\nChannel 1: Yep.\n\nChannel 0: Now\n\nChannel 1: Can I\n\nChannel 0: for your\n\nChannel 1: sort\n\nChannel 0: yes.\n\nChannel 1: of say because, like, for it to be going from 81,000, like, dropping\n\nChannel 0: Mhmm.\n\nChannel 1: to 74, that's and then to so the recommendation is\n\nChannel 0: Mhmm.\n\nChannel 1: it would just be trouble? So that is my forecast lump sum in ten years to be about a 100\n\nChannel 0: Correct.\n\nChannel 1: and $20.\n\nChannel 0: Correct.\n\nChannel 1: Okay.\n\nChannel 0: Yep.\n\nChannel 1: It's not that much of a big difference, really, but, like, it is that I know when you sort of look at all these things, oh, you're skipping me from here to here. I know. When you're not putting anything in, I know. It's\n\nChannel 0: And\n\nChannel 1: you don't\n\nChannel 0: and\n\nChannel 1: really\n\nChannel 0: that's\n\nChannel 1: expect\n\nChannel 0: the\n\nChannel 1: much.\n\nChannel 0: and, yeah, and and that's the thing now. If at any point in time your situation changed or you guys have spare money and you want to put anything, obviously, the more the more because it's return on your investments. Right? So the more money you have invested, the higher those are gonna get.\n\nChannel 1: Well, I've\n\nChannel 0: So\n\nChannel 1: got another $10 sitting there in a different one that I just haven't rolled over because I was looking that\n\nChannel 0: yep.\n\nChannel 1: I I've been trying to decide which way do I roll. Do\n\nChannel 0: What\n\nChannel 1: I roll\n\nChannel 0: to do?\n\nChannel 1: in or do I\n\nChannel 0: Yep.\n\nChannel 1: roll out?\n\nChannel 0: Yes.\n\nChannel 1: Like, I've found another account, and I was like, oh, didn't realize that one was there. So\n\nChannel 0: Yeah.\n\nChannel 1: this is taking into so on this recommendation,\n\nChannel 0: Mhmm.\n\nChannel 1: like, the lump sum in ten years, a hundred and twenty, that's including the deductions from my income protection, TPD,\n\nChannel 0: Correct.\n\nChannel 1: and everything every year. So that figure, if I was to cancel, that would actually be quite higher.\n\nChannel 0: Correct. So if you so the recommendation factors in canceling your income protection, not\n\nChannel 1: Okay.\n\nChannel 0: your\n\nChannel 1: That\n\nChannel 0: life and PPD.\n\nChannel 1: okay. And so\n\nChannel 0: Yeah.\n\nChannel 1: that current, does that include canceling\n\nChannel 0: That includes\n\nChannel 1: it?\n\nChannel 0: all all three because that is your current situation. So that is if you were to just leave it and make no\n\nChannel 1: Oh,\n\nChannel 0: changes.\n\nChannel 1: wow. So\n\nChannel 0: Yes.\n\nChannel 1: if I was to keep it, what would that\n\nChannel 0: Mhmm.\n\nChannel 1: recommend? I'd like to see I don't really like seeing the current $74 being\n\nChannel 0: Mhmm.\n\nChannel 1: compared to the recommendation because that recommendation, which brings up to a 120, you know, a lump sum in ten years,\n\nChannel 0: Mhmm.\n\nChannel 1: they're not really it's not really showing that could just it's not showing much it's not showing an accurate increasing performance of super superannuation only. It's just showing the deductions\n\nChannel 0: It's\n\nChannel 1: of,\n\nChannel 0: showing\n\nChannel 1: like,\n\nChannel 0: the\n\nChannel 1: the removal\n\nChannel 0: whole\n\nChannel 1: of\n\nChannel 0: yeah.\n\nChannel 1: the removal\n\nChannel 0: So what\n\nChannel 1: of\n\nChannel 0: I can\n\nChannel 1: the income. Yeah.\n\nChannel 0: what I\n\nChannel 1: Protection.\n\nChannel 0: can do for you so if you scroll up to page 16, which is that\n\nChannel 1: Yeah.\n\nChannel 0: is obviously your current versus the recommended. You can see the changes in the premium. What I can do for you, though, is I can get the team to draw up, and I can send it in a separate email to you. Just this table here, but having the premiums the same. So I can have your current situation, but with the same insurances.\n\nSo assuming we cancel income protection, if and then just have the same\n\nChannel 1: Yeah.\n\nChannel 0: so that you can\n\nChannel 1: Just\n\nChannel 0: see the compounding\n\nChannel 1: just\n\nChannel 0: for that.\n\nChannel 1: trying to to compare like for like rather than\n\nChannel 0: Yeah. I can\n\nChannel 1: yeah.\n\nChannel 0: get\n\nChannel 1: I'm just\n\nChannel 0: that emailed\n\nChannel 1: wondering.\n\nChannel 0: to\n\nChannel 1: It\n\nChannel 0: you.\n\nChannel 1: I guess it doesn't really matter so much, but I'm just like, oh, you know, because if if you're only gonna make, like, $45 in ten years, that's not very much.\n\nChannel 0: It does make a a difference still, though, considering you're not putting anything in. Obviously, the more you put in, the the bigger difference. So, obviously, that's kind of it just letting it do its thing without you putting any money in.\n\nChannel 1: Okay.\n\nChannel 0: So\n\nChannel 1: Yeah.\n\nChannel 0: it's it still makes a pretty like, if you think about it, you don't put any extra money in. It's just kind of by making the change, it just grows\n\nChannel 1: Yeah.\n\nChannel 0: by itself. So\n\nChannel 1: But, you\n\nChannel 0: it's\n\nChannel 1: know,\n\nChannel 0: it's\n\nChannel 1: at\n\nChannel 0: still\n\nChannel 1: least right\n\nChannel 0: pretty.\n\nChannel 1: now, I think, Sorry.\n\nChannel 0: No. Sorry. What I'll do is I will be more than happy to get the team through draft and just email that to you just in a separate email. And I will\n\nChannel 1: Okay.\n\nChannel 0: have the insurance premium the same at $1.06 $3.06 and show you everything else the same just so that you can see the difference.\n\nChannel 1: Hey.\n\nChannel 0: Now in the appendix later, which is those comparisons for SuperAware and Hostplus, I have done everything exactly the same. So\n\nChannel 1: No.\n\nChannel 0: I\n\nChannel 1: That's\n\nChannel 0: have\n\nChannel 1: all\n\nChannel 0: done\n\nChannel 1: fine. Thanks, Veronica.\n\nChannel 0: yeah. No. That's okay. I've done insurance premiums the same.\n\nChannel 1: Yeah.\n\nChannel 0: I've obviously assumed no adviser fee because if you do move to Australian Super, for example, you're not paying adviser fee. So it is showing everything. When you have a look at it and the starting balance is a bit less, it\n\nChannel 1: Yep.\n\nChannel 0: is because of that capital gains tax that would come out if you decide to do a full sell down.\n\nChannel 1: So that adviser service fee, the 9\n\nChannel 0: Mhmm.\n\nChannel 1: $52.09 64, that's yearly, is it? And that gets sort of broken down into monthly\n\nChannel 0: Correct.\n\nChannel 1: sort of\n\nChannel 0: So\n\nChannel 1: is that\n\nChannel 0: we\n\nChannel 1: right?\n\nChannel 0: show you yes. Correct. So we show you a yearly fee here, but it's not like a one lump sum that comes out once a year, and that's it. It\n\nChannel 1: Yeah.\n\nChannel 0: is divided\n\nChannel 1: Gets broken down\n\nChannel 0: and\n\nChannel 1: to a monthly.\n\nChannel 0: correct, but it also gives you that flexibility. So first of all, it makes it more fair to you because it is because, obviously, your partner is your client. It is reduced to 1.1. So it is a percentage of your balance. So with market fluctuations, by doing it monthly, it makes it more fair to you with the fluctuations in the market than if we were to do, like, a one off fee.\n\nIf the market was, like, super high at that time, it obviously makes it more fair by doing it monthly, but it also gives you more flexibility because it is not a lock in contract. So even if\n\nChannel 1: Yeah.\n\nChannel 0: you\n\nChannel 1: Kind\n\nChannel 0: were to\n\nChannel 1: of\n\nChannel 0: go, okay.\n\nChannel 1: sort of goes both\n\nChannel 0: You\n\nChannel 1: ways.\n\nChannel 0: better\n\nChannel 1: More\n\nChannel 0: go.\n\nChannel 1: fair for us, more\n\nChannel 0: Correct.\n\nChannel 1: fair for you.\n\nChannel 0: That all takes\n\nChannel 1: Mhmm.\n\nChannel 0: you the flexibility so you don't have to, like, sign up for a full twelve months. So if\n\nChannel 1: Yeah.\n\nChannel 0: you\n\nChannel 1: No.\n\nChannel 0: are like,\n\nChannel 1: That's\n\nChannel 0: okay.\n\nChannel 1: great.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. Happy\n\nChannel 0: So\n\nChannel 1: to do the monthly rollover at the moment just to see how\n\nChannel 0: yep.\n\nChannel 1: we go. I'll have a read into all of that. Yeah.\n\nChannel 0: Still\n\nChannel 1: But\n\nChannel 0: that.\n\nChannel 1: when\n\nChannel 0: Yep.\n\nChannel 1: when they kept ringing me previously going, oh, you know, it's kinda it's, you know, through up for renewal up for, like, twelve months. I'm like, oh, that's gotta be commitment. Let me read\n\nChannel 0: Yeah. Yes.\n\nChannel 1: and get through it. And\n\nChannel 0: I\n\nChannel 1: then\n\nChannel 0: think\n\nChannel 1: it just\n\nChannel 0: it\n\nChannel 1: keeps\n\nChannel 0: is.\n\nChannel 1: rolling over and rolling over because it's been like, my god.\n\nChannel 0: Yeah.\n\nChannel 1: Like, good.\n\nChannel 0: Especially if it's a twelve month commitment. It's a lot more than a twelve month. And it doesn't even have to as in a monthly. It doesn't have to be monthly. If you after if you give it two weeks, you guys know.\n\nLike, there's no exit fees. There's no lock in contracts. There is nothing\n\nChannel 1: Yeah.\n\nChannel 0: like that.\n\nChannel 1: Yeah.\n\nChannel 0: So it is\n\nChannel 1: Well, because we paid when we first so when we first joined, it was, like, a 3,000 joining fee. I understood.\n\nChannel 0: mhmm. Yep.\n\nChannel 1: And now we've rolled on to monthly ongoing costs that are 1.1% of our is it our balance, or is it just\n\nChannel 0: Of\n\nChannel 1: of\n\nChannel 0: of\n\nChannel 1: the\n\nChannel 0: your balance\n\nChannel 1: growth?\n\nChannel 0: of your balance. Now when you came on board and I'll just wanna get the SOA up. Sorry. When you came on board, you are correct. There would have been an upfront advice fee.\n\nChannel 1: Yeah. It was\n\nChannel 0: That is\n\nChannel 1: 3,000.\n\nChannel 0: basically to come on board. Now there was also the ongoing fee. So the ongoing fee would have always been there. And, hopefully, they did explain that to you at the time because I know you said you weren't communicated.\n\nChannel 1: No. I was fine with the ongoing fees, but\n\nChannel 0: Okay.\n\nChannel 1: it's just kind of like I there was an understanding of I'm just trying to understand these ongoing\n\nChannel 0: Yeah.\n\nChannel 1: fees. Are they I thought they were a percentage of the income generated of the the growth,\n\nChannel 0: It's\n\nChannel 1: not of\n\nChannel 0: up\n\nChannel 1: the\n\nChannel 0: there.\n\nChannel 1: whole balance. Because, like,\n\nChannel 0: It\n\nChannel 1: what's\n\nChannel 0: is up\n\nChannel 1: what's\n\nChannel 0: yeah.\n\nChannel 1: yeah. Because why should I pay you 1.1% of my whole balance if it's not really growing that fast? Like, you know, it's just not saying, like, it should just almost like, when we first started, it was like I understood that we paid $3,000 joining fee, and then\n\nChannel 0: Mhmm.\n\nChannel 1: we'd be paying percentage of growth. We'd be paying a percentage of the actual performance of the performance of the of the actual of the growth of the balance as opposed to just being the whole balance. Because otherwise, what incentive if you go, oh, they got $880 there. I'm just gonna get 1.1% of that. If you're in, why should I try and grow it?\n\nDo you know what\n\nChannel 0: Yeah.\n\nChannel 1: I mean? Because I've I'm I'm\n\nChannel 0: Yeah.\n\nChannel 1: locked into that. It's like, why would a real estate agent try and get the highest highest house price for someone when they're gonna get $15 anyway for the house sale? They just wanna do as many as they can, punch as many\n\nChannel 0: Yeah.\n\nChannel 1: through as get as many sales as they can. Are they actually doing the best job that they can and getting the best for the client? You just don't know. Or are they\n\nChannel 0: Yeah.\n\nChannel 1: just trying to punch through as many as they can?\n\nChannel 0: Yeah.\n\nChannel 1: You know?\n\nChannel 0: And and\n\nChannel 1: Does that\n\nChannel 0: no.\n\nChannel 1: make\n\nChannel 0: And\n\nChannel 1: sense?\n\nChannel 0: I hear you. No. It totally makes sense. And I guess also because it is of your balance. Right?\n\nSo it kind of still goes back through to that that it it's not a performance fee, but it is a percentage of your balance. Now the more your super balance grows, the more you have in super, obviously, more money for you, but also we get paid more. So it is not still mutual beneficial that, yes, it is of your whole balance, but the more balance you have, obviously, the higher the fee. So it is still that kind of incentive in trying to grow your super as much as possible at the same time. But then, like, for for me, right, I don't\n\nChannel 1: Bless\n\nChannel 0: get\n\nChannel 1: you.\n\nChannel 0: I don't get commissions. I don't get anything. Like, I it's just it's like a flat salary. Right? So my job is not to sell you on anything.\n\nMy job is to help educate you. My job is to help make the best recommendations for you, whatever that might be. Now I don't get incentivized in any way, shape, or form in how that is. Does that\n\nChannel 1: Yep.\n\nChannel 0: make sense? So it's like, it's not my job to sell. It's to act in your best interest and\n\nChannel 1: Yep. Thank you.\n\nChannel 0: do everything for you at the end of the day.\n\nChannel 1: It's just been such a a rather shitty thing\n\nChannel 0: Yeah.\n\nChannel 1: to be Genex with the whole superannuation\n\nChannel 0: Yep.\n\nChannel 1: having the introduction of superannuation and how\n\nChannel 0: Mhmm.\n\nChannel 1: it's you know, you get, like, a new fund for pretty much like, we've lost so much of our superannuation\n\nChannel 0: Yeah.\n\nChannel 1: with the poor setting up of the whole thing and it\n\nChannel 0: Yeah.\n\nChannel 1: being so difficult to actually follow. Like, I remember being you know, going out to your first jobs and all of a sudden, you get a new superannuation. You I I remember going to my previous financial adviser with something like 15 or 22 different superannuation funds to to all be rolled into from when I was traveling and working, and and it's kind of like the building of your superannuation. Now they're like,\n\nChannel 0: Yeah.\n\nChannel 1: oh, no. It's, you know and then you have an insurance in all the\n\nChannel 0: Mhmm.\n\nChannel 1: different funds that now it's illegal to to to, you know, for or not illegal, but the I'm not even\n\nChannel 0: There's\n\nChannel 1: educated\n\nChannel 0: a lot more\n\nChannel 1: in\n\nChannel 0: red\n\nChannel 1: this area.\n\nChannel 0: no.\n\nChannel 1: It's\n\nChannel 0: But there's\n\nChannel 1: in\n\nChannel 0: a lot more red tape on the industry than what it used to be, a 100\n\nChannel 1: yeah.\n\nChannel 0: percent.\n\nChannel 1: It used to just\n\nChannel 0: Yes.\n\nChannel 1: be a money grab, and people\n\nChannel 0: Oh,\n\nChannel 1: just be,\n\nChannel 0: it\n\nChannel 1: like,\n\nChannel 0: used\n\nChannel 1: stealing,\n\nChannel 0: to be\n\nChannel 1: like,\n\nChannel 0: not\n\nChannel 1: through\n\nChannel 0: great?\n\nChannel 1: insurance\n\nChannel 0: Yep.\n\nChannel 1: fees out of every\n\nChannel 0: Mhmm.\n\nChannel 1: single fund you've got to the point that you had actually\n\nChannel 0: Yeah.\n\nChannel 1: accumulated a little bit of balance. And then all of a sudden, you\n\nChannel 0: Yeah.\n\nChannel 1: go overseas for a couple years, come back, you got nothing left. It's\n\nChannel 0: And\n\nChannel 1: just\n\nChannel 0: if\n\nChannel 1: and\n\nChannel 0: you don't\n\nChannel 1: it was\n\nChannel 0: know about\n\nChannel 1: just\n\nChannel 0: it and a lot\n\nChannel 1: or\n\nChannel 0: of\n\nChannel 1: and\n\nChannel 0: those funds set it up automatically. It's like a default thing, so you don't even\n\nChannel 1: yeah. And\n\nChannel 0: apply\n\nChannel 1: we're not\n\nChannel 0: for the cover. Yeah.\n\nChannel 1: and you don't get educated about that at school,\n\nChannel 0: Yeah.\n\nChannel 1: but you have to learn about, you\n\nChannel 0: Yeah.\n\nChannel 1: know, you have to learn about other shit. Like, nobody ever teach you about tax, superannuation,\n\nChannel 0: Yeah.\n\nChannel 1: or the different types of bills\n\nChannel 0: Yeah.\n\nChannel 1: and utilities that you're gonna have to pay when you leave home or how you're gonna\n\nChannel 0: Yeah.\n\nChannel 1: have to navigate\n\nChannel 0: But\n\nChannel 1: all\n\nChannel 0: you learn\n\nChannel 1: of that.\n\nChannel 0: about history and everything\n\nChannel 1: But\n\nChannel 0: else.\n\nChannel 1: you're like yeah. You learn about a whole we learn geometry and\n\nChannel 0: So\n\nChannel 1: trig,\n\nChannel 0: yeah.\n\nChannel 1: which well, why\n\nChannel 0: Yeah.\n\nChannel 1: don't you just sit there and teach me more about\n\nChannel 0: Yeah.\n\nChannel 1: finance?\n\nChannel 0: A bit more relative\n\nChannel 1: And,\n\nChannel 0: stuff.\n\nChannel 1: yeah,\n\nChannel 0: Yeah.\n\nChannel 1: why is economics just an elective and not an actual\n\nChannel 0: Mhmm.\n\nChannel 1: you\n\nChannel 0: Like,\n\nChannel 1: know, it\n\nChannel 0: compulsory\n\nChannel 1: just varies,\n\nChannel 0: thing.\n\nChannel 1: yeah, a compulsory.\n\nChannel 0: Yeah.\n\nChannel 1: Like, I'm looking\n\nChannel 0: Mhmm.\n\nChannel 1: at at my son's math at the moment. And rather than just really drilling down on the basics and going through, like, sort of the teach them how to run a business. Teach them,\n\nChannel 0: Mhmm.\n\nChannel 1: like, do a bloody\n\nChannel 0: Yeah.\n\nChannel 1: MBA in year 12 rather than doing freaking geometry and trigon, algebra, and all the things. Like,\n\nChannel 0: Like,\n\nChannel 1: do that\n\nChannel 0: physics\n\nChannel 1: as an\n\nChannel 0: and\n\nChannel 1: elective.\n\nChannel 0: all that.\n\nChannel 1: Like\n\nChannel 0: Yeah.\n\nChannel 1: like, that's\n\nChannel 0: No.\n\nChannel 1: not necessary.\n\nChannel 0: I agree.\n\nChannel 1: Like\n\nChannel 0: Yeah.\n\nChannel 1: anyway and so what my point is\n\nChannel 0: Man.\n\nChannel 1: that superannuation is just such a hard thing to trust\n\nChannel 0: Yes. Yeah.\n\nChannel 1: because\n\nChannel 0: Yeah.\n\nChannel 1: of the fact that it's just\n\nChannel 0: So\n\nChannel 1: always\n\nChannel 0: much has\n\nChannel 1: been\n\nChannel 0: changed. Yeah.\n\nChannel 1: well, not so much that it's changed. It's just that that, like, it's always just been so hard to actually they they they cover it up in so much paperwork and so much whatever in the hopes that people won't read it and not really understand it going. Then it's just like a sentence again. Oh, yeah. That's yeah.\n\nI'm yeah. Don't worry. I'm I'm not even making sense when I talk about this, but I just have such a mistrust in it. And it's only\n\nChannel 0: No.\n\nChannel 1: and it because I'm not educated because that is the one thing that they should be teaching people, like, the kids that\n\nChannel 0: Yep.\n\nChannel 1: at school should\n\nChannel 0: Yep.\n\nChannel 1: actually be learning how to live their life and their leave rather than having to, like, hope that you've got educated parents that can teach you these things. We never actually\n\nChannel 0: Yep.\n\nChannel 1: got taught at school because it didn't exist. And then you end\n\nChannel 0: Yes.\n\nChannel 1: up with and nobody actually taught you. It's just like all this mumbo jumbo\n\nChannel 0: Mhmm.\n\nChannel 1: jargon that goes over everybody's heads, and nobody really understands what's going on. And you got ten, fifteen superannuation things, and then you gotta try and become\n\nChannel 0: Yeah.\n\nChannel 1: a a a specialist in the situation\n\nChannel 0: Mhmm.\n\nChannel 1: overnight. And that's\n\nChannel 0: Yeah.\n\nChannel 1: why we roll over to you guys thinking, okay.\n\nChannel 0: Yeah.\n\nChannel 1: This is great. You guys have a bit of a better understanding of it than we do.\n\nChannel 0: Mhmm.\n\nChannel 1: And then\n\nChannel 0: Mhmm.\n\nChannel 1: you're like, oh, wow. 1% growth. Fuck. Like, well, jeez. Does anyone really know what's going on?\n\nChannel 0: And at the same time, if you're not getting the communication right, because it's like it's what you touched on earlier where it's like when the market as a whole is seeing fluctuations. Like, during COVID, everything was fluctuating.\n\nChannel 1: Yep.\n\nChannel 0: When the war happened, everything fluctuates. So it's not like it's, like, one bad investment. It's just the market as a whole. But if\n\nChannel 1: Yeah.\n\nChannel 0: no one\n\nChannel 1: And that's\n\nChannel 0: communicates\n\nChannel 1: the hard\n\nChannel 0: and helps\n\nChannel 1: thing.\n\nChannel 0: educate, then how\n\nChannel 1: Mhmm.\n\nChannel 0: would you know?\n\nChannel 1: Exactly.\n\nChannel 0: You know?\n\nChannel 1: And if you're not if you're a busy mom\n\nChannel 0: Mhmm.\n\nChannel 1: or you're busy working\n\nChannel 0: Yes.\n\nChannel 1: and doing all the other things and you're not and you're trying to go screen free and keep\n\nChannel 0: Mhmm.\n\nChannel 1: scary news off the TV\n\nChannel 0: Yeah.\n\nChannel 1: in front of\n\nChannel 0: Yeah.\n\nChannel 1: small children, you're not watching\n\nChannel 0: Mhmm.\n\nChannel 1: the news every night, following the markets, and staying abreast of things that you probably would have been back in the\n\nChannel 0: Yes.\n\nChannel 1: day\n\nChannel 0: Yes.\n\nChannel 1: when and but I'm not at the moment because I don't want my kids growing up watching what's\n\nChannel 0: Yeah.\n\nChannel 1: going on and and having a fear of\n\nChannel 0: Yes. 100%.\n\nChannel 1: what's happening, etcetera. And so this and then whenever you pick up your phone, everything follows an algorithm, and so you're not necessarily\n\nChannel 0: Mhmm.\n\nChannel 1: getting\n\nChannel 0: Yes.\n\nChannel 1: the news that you wanna read anyway. And\n\nChannel 0: No.\n\nChannel 1: unless\n\nChannel 0: Especially\n\nChannel 1: you're sitting\n\nChannel 0: even\n\nChannel 1: down in front yeah.\n\nChannel 0: social\n\nChannel 1: And unless\n\nChannel 0: media.\n\nChannel 1: you\n\nChannel 0: Even,\n\nChannel 1: actually\n\nChannel 0: like, chat to HAP, they they tend to sometimes be biased. You know, you\n\nChannel 1: yeah.\n\nChannel 0: have to be really careful because it is very\n\nChannel 1: K.\n\nChannel 0: selective.\n\nChannel 1: Yeah. And so\n\nChannel 0: A 100%.\n\nChannel 1: and yeah. So I do ask you to sort of, like thanks for being patient with me and my\n\nChannel 0: Yeah. Of\n\nChannel 1: obvious\n\nChannel 0: course.\n\nChannel 1: mistrust and slow replies and all that with wanting to read and shit.\n\nChannel 0: No.\n\nChannel 1: Yeah.\n\nChannel 0: I'm glad\n\nChannel 1: Thanks.\n\nChannel 0: you do. I don't want you to jump. I don't want you to just be like, yeah. Cool. Sign.\n\nBecause at the same time, we also have to there's a lot of code of ethics that an adviser has to follow. And part of it is making sure that you are making an informed decision for yourself. And if I spend fifteen minutes on the phone with you and you sign something right away and don't ask me any questions whatsoever and don't give me any indication that you understand what I'm talking about, then I'm also failing because I need\n\nChannel 1: Yeah.\n\nChannel 0: to make sure that you make the informed decision for yourself at the end of the day.\n\nChannel 1: I think we're all just like but I think it's also just like we're only it's like with the it's like with the Internet with anything. Like, you don't actually know what's like, it's it's like a a system is only is only as good as the people people's knowledge of it and understanding\n\nChannel 0: Yep.\n\nChannel 1: of it and and practice using it. And so\n\nChannel 0: Mhmm.\n\nChannel 1: I complained about all the superannuation palaver of where of my youth and growing up, and I guess that's because everyone was learning. It's a new system.\n\nChannel 0: Yeah.\n\nChannel 1: Everyone's trying to review and revise, drill\n\nChannel 0: Mhmm.\n\nChannel 1: down, and make it better. And as it as we're getting older, we're getting better. But it's now at the age of 50, it's like going, okay. I can't just set and forget and go I'll I'll come back to\n\nChannel 0: Yeah.\n\nChannel 1: that later. I actually\n\nChannel 0: Yeah.\n\nChannel 1: need to do make some informed\n\nChannel 0: Yeah.\n\nChannel 1: decisions, and so I do\n\nChannel 0: Yep.\n\nChannel 1: actually need to put the time aside to actually read it. I do need to make a better effort because I'm looking at, wow, that's not a really very good forecast of a $120 in ten years at the age of 60 for me. That's actually frightening. You know what I mean? I'm lucky that Craig's is a little higher, but that essentially is that is not a safe unit at all to be going into a retirement for.\n\nChannel 0: Yeah.\n\nChannel 1: Luckily\n\nChannel 0: Yeah.\n\nChannel 1: luckily, we we will you know, we're close to\n\nChannel 0: In a good\n\nChannel 1: we will\n\nChannel 0: position.\n\nChannel 1: be owning our home\n\nChannel 0: Mhmm.\n\nChannel 1: in about eight to ten years. So that\n\nChannel 0: Yeah.\n\nChannel 1: will be fine, and we can rent out the back. And I'm like, holy shit. That's that's\n\nChannel 0: Mhmm.\n\nChannel 1: not even my husband's wage for one year.\n\nChannel 0: Yeah.\n\nChannel 1: You know what I mean?\n\nChannel 0: Yeah.\n\nChannel 1: Like so it's\n\nChannel 0: And\n\nChannel 1: kinda\n\nChannel 0: they're\n\nChannel 1: frightening\n\nChannel 0: they're so\n\nChannel 1: when we\n\nChannel 0: valid\n\nChannel 1: start\n\nChannel 0: because\n\nChannel 1: looking\n\nChannel 0: I\n\nChannel 1: at things.\n\nChannel 0: have so many clients in a similar situation and a lot less. And they're like, well, it wasn't a thing when I was younger. Like, it's just and it's only now, and it's like, well, now it's kind of like yeah. Like, it's never too late, but it's it's not gonna compound. It's not gonna grow as much.\n\nSo, of\n\nChannel 1: Hi.\n\nChannel 0: course, it's it's you know, it it is frightening. And that's also why the little changes make a difference because, yeah, it might\n\nChannel 1: Yeah.\n\nChannel 0: not see as massive. You know,\n\nChannel 1: Oh, it's a huge difference. Yeah. It is. It's massive. I\n\nChannel 0: another\n\nChannel 1: do have\n\nChannel 0: last\n\nChannel 1: an\n\nChannel 0: thing yes.\n\nChannel 1: extra yeah. I will read through this, and then\n\nChannel 0: Yes.\n\nChannel 1: hopefully, you can roll into if\n\nChannel 0: Yeah.\n\nChannel 1: like, because if you're paying all the fees and everything anyway,\n\nChannel 0: Mhmm.\n\nChannel 1: then\n\nChannel 0: Yep.\n\nChannel 1: the higher to the fees, I guess, you get paid more, obviously. Oh, not you, but the business gets\n\nChannel 0: Yes.\n\nChannel 1: a greater percentage of your balance. But if the balance is larger, it's still a small percent. Do you\n\nChannel 0: Correct.\n\nChannel 1: know what I\n\nChannel 0: And\n\nChannel 1: mean?\n\nChannel 0: it's still growing. It's still compounding. So the more you have, the bigger the difference of the return. That the last thing I do wanna let you know, Shannon, before I let you go, which you will read through the document later, is then the change in the insurances. So like we touched on earlier, I have recommended that you cancel the income protection.\n\nThat will reduce the premium to 1,635. So it does make it quite a bit cheaper. Now as an alternative in the appendix, because I know we spoke about it, but you weren't really sure, obviously, until you've spoken to Craig, is to reduce life and TPD further to just\n\nChannel 1: Yeah. I\n\nChannel 0: cover\n\nChannel 1: don't\n\nChannel 0: the mortgage. So\n\nChannel 1: yeah.\n\nChannel 0: I have\n\nChannel 1: Because\n\nChannel 0: showed you an alternative in the appendix where you have the price, and then you can go and decide what you want to do. You\n\nChannel 1: Okay.\n\nChannel 0: can speak\n\nChannel 1: That's\n\nChannel 0: to Craig,\n\nChannel 1: on the\n\nChannel 0: and\n\nChannel 1: appendix.\n\nChannel 0: you can let me\n\nChannel 1: Right.\n\nChannel 0: know. Correct.\n\nChannel 1: Okay. Beautiful.\n\nChannel 0: Now what I have done, just so that you know, is that for lie for TPD, not for life, but for TPD, if you get paid out the the benefits, then there are tax consequences as well. If you are over 60, it's tax free. If you're 60, it can be taxed for up to 22%. So\n\nChannel 1: Oh, this.\n\nChannel 0: what I have yes. So what I have done\n\nChannel 1: God.\n\nChannel 0: for\n\nChannel 1: I love\n\nChannel 0: the\n\nChannel 1: it. It's like Raven\n\nChannel 0: Tax.\n\nChannel 1: Pierce.\n\nChannel 0: Yay.\n\nChannel 1: Oh, yeah. You've already paid for this, so we're gonna\n\nChannel 0: Mhmm.\n\nChannel 1: tax you again when you when\n\nChannel 0: Mhmm.\n\nChannel 1: you actually get any. You've only paid for this all your life, but when we pay you out, you're gonna have to pay to receive it and\n\nChannel 0: Pay the\n\nChannel 1: and\n\nChannel 0: tax.\n\nChannel 1: lose.\n\nChannel 0: So not\n\nChannel 1: Yeah.\n\nChannel 0: for life because as long as that gets paid through, like, your spouse, paid tax rate. The TPD, because it gets paid to you, is under 22%. So what I have done just to make sure the mortgage is covered after tax is I've grossed that up. So\n\nChannel 1: Okay.\n\nChannel 0: when\n\nChannel 1: Got\n\nChannel 0: you\n\nChannel 1: you.\n\nChannel 0: look at the quote and you see 427 and you go, well, that's not my mortgage. It's just grossed up because of the tax. So if you were to take out the policy before 60 tax come out, I want you to have left enough to pay for the mortgage. Now,\n\nChannel 1: Yeah.\n\nChannel 0: obviously, if it is you wanna reduce it further, it's there. But the choice is yours, and it is reducing it further to about $917 a year for both life and PPD.\n\nChannel 1: That's\n\nChannel 0: So it\n\nChannel 1: way better. Because currently,\n\nChannel 0: yeah.\n\nChannel 1: it is\n\nChannel 0: So so\n\nChannel 1: two what? Two inside. Just\n\nChannel 0: so,\n\nChannel 1: lost the\n\nChannel 0: yeah,\n\nChannel 1: page.\n\nChannel 0: so that is with income protection. So if you just leave it life and TPD the same and you don't make any changes, so if you leave it at 871, it's 1,635\n\nChannel 1: Yeah.\n\nChannel 0: versus\n\nChannel 1: See,\n\nChannel 0: 9\n\nChannel 1: because, like\n\nChannel 0: 17.\n\nChannel 1: because it's all like, I obviously would need a massive payout if something happens to my husband. But my husband\n\nChannel 0: Yeah.\n\nChannel 1: essentially could\n\nChannel 0: And\n\nChannel 1: continue\n\nChannel 0: this is\n\nChannel 1: his life as is\n\nChannel 0: yeah.\n\nChannel 1: and\n\nChannel 0: Yep.\n\nChannel 1: wouldn't need such a massive like, his job,\n\nChannel 0: Mhmm.\n\nChannel 1: everything. Yes.\n\nChannel 0: Yep.\n\nChannel 1: With the working away, he could essentially\n\nChannel 0: Yeah.\n\nChannel 1: have his mom or my mom live here or have an au pair and be fine, and it\n\nChannel 0: Yeah.\n\nChannel 1: would be continue\n\nChannel 0: Yep.\n\nChannel 1: on as normal. No. It would be much better for we don't actually want that to happen.\n\nChannel 0: Of course.\n\nChannel 1: But but\n\nChannel 0: Financially.\n\nChannel 1: I'm wondering\n\nChannel 0: Yes.\n\nChannel 1: no. Obviously, that's not what we want. But I'm just wondering what is the actual, like, having all those insurances in place because I'm probably the more healthy one in the relationship anyway and all those sort of things.\n\nChannel 0: Yes.\n\nChannel 1: I'm just wondering, is it how necessary is it to actually have them in there? Like like, it's only a thousand like, so 800 $900 a year is\n\nChannel 0: Yep.\n\nChannel 1: definitely it's definitely half.\n\nChannel 0: Let's\n\nChannel 1: So\n\nChannel 0: look\n\nChannel 1: that's\n\nChannel 0: back.\n\nChannel 1: a no brainer.\n\nChannel 0: Yeah.\n\nChannel 1: We'll go ahead with that 100%. Like, to reduce\n\nChannel 0: Yep.\n\nChannel 1: it pretty much as to the\n\nChannel 0: Yep.\n\nChannel 1: bare minimum to make it comfortable\n\nChannel 0: Yep.\n\nChannel 1: for him,\n\nChannel 0: Yeah.\n\nChannel 1: but\n\nChannel 0: And it covers the mortgage, then you don't have to worry about the mortgage. But it's also, you\n\nChannel 1: yep.\n\nChannel 0: know, if something were to happen to you. So it's it's also if something were to happen to you and you can't, you know, do anything, basically,\n\nChannel 1: Yes.\n\nChannel 0: then you might need you might need obviously, you might wanna have the mortgage paid off. But then,\n\nChannel 1: Yes.\n\nChannel 0: also, obviously, because Craig's still working, but there might be more costs associated if you needed more medical assistance, whether you needed\n\nChannel 1: Yeah.\n\nChannel 0: to make\n\nChannel 1: Right.\n\nChannel 0: modifications\n\nChannel 1: Okay.\n\nChannel 0: to the home, like, those kind of things, whether you needed more assistance for the kids, anything\n\nChannel 1: Is\n\nChannel 0: like\n\nChannel 1: that\n\nChannel 0: that. So it it's\n\nChannel 1: it's\n\nChannel 0: for\n\nChannel 1: there.\n\nChannel 0: both.\n\nChannel 1: Yeah. Sorry to be a pain. I know you're\n\nChannel 0: No.\n\nChannel 1: you gotta go. Just quickly\n\nChannel 0: No.\n\nChannel 1: with\n\nChannel 0: That's okay.\n\nChannel 1: what is there? And the product disclosure statement that includes the what it actually covers you for, the TBD? Because,\n\nChannel 0: Correct. Yes.\n\nChannel 1: like, because,\n\nChannel 0: Correct.\n\nChannel 1: like, what about cancer and things like all those? You know? Like, so all of that's in there for me to be able to read through what it\n\nChannel 0: 100\n\nChannel 1: does and\n\nChannel 0: percent.\n\nChannel 1: doesn't cover you for?\n\nChannel 0: Sorry.\n\nChannel 1: Okay.\n\nChannel 0: The\n\nChannel 1: Great.\n\nChannel 0: TCG, total permanent disability. That's why so the process goes from it's massive, but it's there for you to read as well. So you can\n\nChannel 1: Yeah.\n\nChannel 0: definitely\n\nChannel 1: No. That's\n\nChannel 0: take your time. The recommendation is still valid. Let me triple check because I'm telling you the right thing. I think it's still valid for another thirty days.\n\nChannel 1: okay. Great.\n\nChannel 0: So you have some time to think about it. Obviously,\n\nChannel 1: Mhmm.\n\nChannel 0: speak to Craig as well what you wanna do.\n\nChannel 1: That's alright. He's home tonight, and we're gonna review\n\nChannel 0: Okay.\n\nChannel 1: all this\n\nChannel 0: Good.\n\nChannel 1: sort of stuff over the probably the next few days anyway. So doing\n\nChannel 0: Beautiful.\n\nChannel 1: a bit of a financial order at the moment just along with tax and all that. You know what it's like comes to that\n\nChannel 0: Yes.\n\nChannel 1: time of year.\n\nChannel 0: Yes.\n\nChannel 1: Oh,\n\nChannel 0: So, yes, it is valid until the July 27. So\n\nChannel 1: Excellent.\n\nChannel 0: no\n\nChannel 1: Oh,\n\nChannel 0: pressure.\n\nChannel 1: no. Before\n\nChannel 0: Take\n\nChannel 1: then.\n\nChannel 0: your time. In the appendix,\n\nChannel 1: Great.\n\nChannel 0: like I said, you have the alternative for the insurances. Now\n\nChannel 1: Yep.\n\nChannel 0: if you guys have a read through the document, you have any other questions, just give me a call and we can book you in for a catch up. If you read through everything and you go, okay. I'm happy with it for the time being, but I would like to go ahead with that reduction of life and TTD. In the document, in the actual statement of advice, there will be a text box. Now that text box allow you to type anything.\n\nSo you can type there. For example, I would prefer to reduce my life and PPD. You can type whatever you want, and that tells me that you want that option.\n\nChannel 1: Okay. Great.\n\nChannel 0: But\n\nChannel 1: So\n\nChannel 0: if you get stuck, just call me, and I can guide\n\nChannel 1: yeah.\n\nChannel 0: you to it.\n\nChannel 1: So is there a way that I can action that pretty much immediately and still be reading through all of the superannuation part of it? Like, how\n\nChannel 0: Yes.\n\nChannel 1: often like, is it how often\n\nChannel 0: What\n\nChannel 1: does the is that, like, a monthly installment for the or is it, like, a a a 12 monthly sort of deduction for the\n\nChannel 0: for\n\nChannel 1: you\n\nChannel 0: the\n\nChannel 1: know,\n\nChannel 0: pre\n\nChannel 1: how\n\nChannel 0: insurances.\n\nChannel 1: it's\n\nChannel 0: So insurances is a yearly, but what they do is they can also pro rata. So let's say,\n\nChannel 1: yeah. Oh, okay.\n\nChannel 0: when when it comes out, if you let's say, you pay for twelve months, but let's say after two two months in, you go, no. I'm reducing the cover. They will then refund you for\n\nChannel 1: Okay.\n\nChannel 0: the\n\nChannel 1: Great.\n\nChannel 0: rest of the ten months. So it's not like that time sensitive\n\nChannel 1: Yeah.\n\nChannel 0: in that way\n\nChannel 1: No. Great.\n\nChannel 0: unless you\n\nChannel 1: That's\n\nChannel 0: go\n\nChannel 1: that's\n\nChannel 0: so they\n\nChannel 1: that's\n\nChannel 0: go\n\nChannel 1: what\n\nChannel 0: back\n\nChannel 1: I\n\nChannel 0: to\n\nChannel 1: wanted to find out. I was like, oh, shit. Have I\n\nChannel 0: yes.\n\nChannel 1: just paid? It's like you you upgrade your like, every April,\n\nChannel 0: Yeah.\n\nChannel 1: you pay your credit card for $3.95. But then it's like, if you miss it in, you know, next\n\nChannel 0: Yep.\n\nChannel 1: May, you've\n\nChannel 0: No.\n\nChannel 1: you've paid for it already for the year. You might as well wait till April before you shop around. But, you\n\nChannel 0: No.\n\nChannel 1: know what\n\nChannel 0: No.\n\nChannel 1: I mean?\n\nChannel 0: It's\n\nChannel 1: So is that\n\nChannel 0: not. Yes.\n\nChannel 1: whereabouts\n\nChannel 0: Good\n\nChannel 1: when\n\nChannel 0: question,\n\nChannel 1: will this renew?\n\nChannel 0: though. But no.\n\nChannel 1: Pardon?\n\nChannel 0: You can take the time. It was a very good question, though.\n\nChannel 1: Yeah.\n\nChannel 0: But no. You can take your time. So all\n\nChannel 1: Yeah. Excellent.\n\nChannel 0: the information is there. Now I will leave that with you and Craig. Would you like me to set up a time to call you back, or do you wanna just take your time, have a bit of a read over it, and then let me know how you go? And, otherwise, I'll get my colleague, Whitlam, to touch base in a couple of days\n\nChannel 1: Yep.\n\nChannel 0: just to check-in.\n\nChannel 1: Yeah. I I'll buzz you guys back in a couple of days,\n\nChannel 0: Yes.\n\nChannel 1: I think,\n\nChannel 0: Yep.\n\nChannel 1: sort of over\n\nChannel 0: Beautiful.\n\nChannel 1: the next week before next\n\nChannel 0: Yep.\n\nChannel 1: Thursday because Craig flies out\n\nChannel 0: Yep.\n\nChannel 1: next Thursday,\n\nChannel 0: Yep.\n\nChannel 1: so we'll have discussed that.\n\nChannel 0: Yes.\n\nChannel 1: But if you haven't heard from me in by\n\nChannel 0: Yep.\n\nChannel 1: the July 20, just before this\n\nChannel 0: I\n\nChannel 1: expires,\n\nChannel 0: will call you.\n\nChannel 1: can you please chase me?\n\nChannel 0: Yes. Yes.\n\nChannel 1: Thank\n\nChannel 0: I\n\nChannel 1: you.\n\nChannel 0: will. I will. No\n\nChannel 1: Thank\n\nChannel 0: worries.\n\nChannel 1: you.\n\nChannel 0: Now\n\nChannel 1: Cheers\n\nChannel 0: thank\n\nChannel 1: for that,\n\nChannel 0: you\n\nChannel 1: Victoria.\n\nChannel 0: so much, Shannon.\n\nChannel 1: Thank\n\nChannel 0: Anything\n\nChannel 1: you. Bye.\n\nChannel 0: at any point in time,\n\nChannel 1: I\n\nChannel 0: just\n\nChannel 1: just\n\nChannel 0: call\n\nChannel 1: called\n\nChannel 0: me.\n\nChannel 1: you\n\nChannel 0: Okay?\n\nChannel 1: Victoria.\n\nChannel 0: No. That's fine. Everyone\n\nChannel 1: Thank\n\nChannel 0: does it. It's\n\nChannel 1: you.\n\nChannel 0: more common. So\n\nChannel 1: Is is\n\nChannel 0: that's\n\nChannel 1: it?\n\nChannel 0: fine.\n\nChannel 1: Okay. Thank you.\n\nChannel 0: All good,\n\nChannel 1: Bye.\n\nChannel 0: Shannon. No worries.\n\nChannel 1: Bye.\n\nChannel 0: We'll speak\n\nChannel 1: Bye.\n\nChannel 0: soon. Bye.\n\nChannel 1: Thank you. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"If you record your name and reason for calling, I'll see if this person is available.","start":0.08,"end":4.42,"sentiment":"neutral","sentiment_score":0.004604909860063344}],"sentiment":"neutral","sentiment_score":0.004604909860063344,"channel":1,"num_words":16,"start":0.08,"end":4.42},{"sentences":[{"text":"Veronica, Oakview Financial.","start":6.3199997,"end":8.18,"sentiment":"neutral","sentiment_score":0.03278442844748497}],"sentiment":"neutral","sentiment_score":0.03278442844748497,"channel":0,"num_words":3,"start":6.3199997,"end":8.18},{"sentences":[{"text":"Thanks.","start":13.84,"end":14.34,"sentiment":"neutral","sentiment_score":0.32596248388290405},{"text":"Please stay on the line.","start":14.834999,"end":16.375,"sentiment":"neutral","sentiment_score":0.1595846891403198},{"text":"Hello?","start":24.435,"end":24.935,"sentiment":"neutral","sentiment_score":0.07404378056526184}],"sentiment":"neutral","sentiment_score":0.1711328157356807,"channel":1,"num_words":7,"start":13.84,"end":24.935},{"sentences":[{"text":"Good afternoon.","start":25.95,"end":26.67,"sentiment":"neutral","sentiment_score":0.22100615501403809},{"text":"This is Shannon.","start":26.67,"end":27.490002,"sentiment":"neutral","sentiment_score":0.12996520350376764}],"sentiment":"neutral","sentiment_score":0.16638158410787582,"channel":0,"num_words":5,"start":25.95,"end":27.490002},{"sentences":[{"text":"Yes.","start":28.039999,"end":28.279999,"sentiment":"neutral","sentiment_score":0.10528650879859924},{"text":"Speaking.","start":28.279999,"end":28.779999,"sentiment":"neutral","sentiment_score":0.08583424985408783}],"sentiment":"neutral","sentiment_score":0.09556037932634354,"channel":1,"num_words":2,"start":28.039999,"end":28.779999},{"sentences":[{"text":"This is Veronica from OC Financial.","start":29.310001,"end":31.41,"sentiment":"neutral","sentiment_score":0.1098086064060529},{"text":"How are you?","start":31.550001,"end":32.370003,"sentiment":"neutral","sentiment_score":0.10582428177197774}],"sentiment":"neutral","sentiment_score":0.10848049819469452,"channel":0,"num_words":9,"start":29.310001,"end":32.370003},{"sentences":[{"text":"Hi, Veronica.","start":32.2,"end":33.079998,"sentiment":"neutral","sentiment_score":0.15645749866962433},{"text":"I'm well.","start":33.079998,"end":33.48,"sentiment":"neutral","sentiment_score":0.27753178775310516},{"text":"Thanks.","start":33.48,"end":33.8,"sentiment":"positive","sentiment_score":0.4202524423599243},{"text":"How are you?","start":33.8,"end":34.62,"sentiment":"neutral","sentiment_score":0.22149017949899039}],"sentiment":"neutral","sentiment_score":0.2440876942127943,"channel":1,"num_words":8,"start":32.2,"end":34.62},{"sentences":[{"text":"Good.","start":34.91,"end":35.41,"sentiment":"positive","sentiment_score":0.41493749618530273},{"text":"Thanks.","start":35.47,"end":35.97,"sentiment":"positive","sentiment_score":0.5482492446899414}],"sentiment":"positive","sentiment_score":0.48159337043762207,"channel":0,"num_words":2,"start":34.91,"end":35.97},{"sentences":[{"text":"That's good.","start":36.44,"end":37.42,"sentiment":"positive","sentiment_score":0.5686403512954712}],"sentiment":"positive","sentiment_score":0.5686403512954712,"channel":1,"num_words":2,"start":36.44,"end":37.42},{"sentences":[{"text":"I had you booked in to go over the the research I did on","start":38.225002,"end":41.825,"sentiment":"neutral","sentiment_score":0.1985624379345349}],"sentiment":"neutral","sentiment_score":0.1985624379345349,"channel":0,"num_words":14,"start":38.225002,"end":41.825},{"sentences":[{"text":"Yes.","start":41.625,"end":42.125,"sentiment":"neutral","sentiment_score":0.15752191841602323}],"sentiment":"neutral","sentiment_score":0.15752191841602323,"channel":1,"num_words":1,"start":41.625,"end":42.125},{"sentences":[{"text":"your superannuation.","start":41.825,"end":42.965,"sentiment":"neutral","sentiment_score":0.18858866393566132},{"text":"Is now still a","start":43.185,"end":43.905003,"sentiment":"neutral","sentiment_score":0.10802058130502701}],"sentiment":"neutral","sentiment_score":0.13487660884857178,"channel":0,"num_words":6,"start":41.825,"end":43.905003},{"sentences":[{"text":"Yes.","start":43.865,"end":44.365,"sentiment":"neutral","sentiment_score":0.10853274911642076}],"sentiment":"neutral","sentiment_score":0.10853274911642076,"channel":1,"num_words":1,"start":43.865,"end":44.365},{"sentences":[{"text":"good time?","start":43.905003,"end":44.565002,"sentiment":"neutral","sentiment_score":0.11358124762773514}],"sentiment":"neutral","sentiment_score":0.11358124762773514,"channel":0,"num_words":2,"start":43.905003,"end":44.565002},{"sentences":[{"text":"Yeah.","start":44.665,"end":45.065002,"sentiment":"neutral","sentiment_score":0.03537583351135254},{"text":"No.","start":45.065002,"end":45.545002,"sentiment":"neutral","sentiment_score":0.031317949295043945},{"text":"Now's","start":45.545002,"end":46.025,"sentiment":"neutral","sentiment_score":0.0627012699842453}],"sentiment":"neutral","sentiment_score":0.043131684263547264,"channel":1,"num_words":3,"start":44.665,"end":46.025},{"sentences":[{"text":"Yeah.","start":45.665,"end":46.165,"sentiment":"neutral","sentiment_score":0.17818307876586914}],"sentiment":"neutral","sentiment_score":0.17818307876586914,"channel":0,"num_words":1,"start":45.665,"end":46.165},{"sentences":[{"text":"great.","start":46.025,"end":46.525,"sentiment":"positive","sentiment_score":0.4701322913169861},{"text":"Thank you.","start":46.585,"end":47.325,"sentiment":"positive","sentiment_score":0.49764786660671234}],"sentiment":"positive","sentiment_score":0.4884760081768036,"channel":1,"num_words":3,"start":46.025,"end":47.325},{"sentences":[{"text":"Perfect.","start":47.345,"end":47.845,"sentiment":"positive","sentiment_score":0.3877494931221008},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":48.305,"end":55.95,"sentiment":"neutral","sentiment_score":0.03032551230541591}],"sentiment":"neutral","sentiment_score":0.04223964499930541,"channel":0,"num_words":30,"start":47.345,"end":55.95},{"sentences":[{"text":"Sure.","start":55.960003,"end":56.36,"sentiment":"neutral","sentiment_score":0.1177242398262024},{"text":"That's 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The speaker emphasizes the importance of staying within her current risk profile and recommends looking at the numbers and recommendations later. The speaker emphasizes the importance of making informed decisions and avoiding mistakes. They also discuss options for reducing premiums and the importance of keeping all insurances in place for the process. The agent will call the customer back in a few days to discuss the deduction process."},"intents":{"segments":[{"text":"If you record your name and reason for calling, I'll see if this person is available. Veronica, Oakview Financial. Thanks. Please stay on the line. Hello? Good afternoon. This is Shannon. Yes. Speaking. This is Veronica from OC Financial. How are you? 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So, Right.","start_word":3504,"end_word":3535,"intents":[{"intent":"Explain benefits of swapping investments and their associated investments","confidence_score":8.735762e-7}]},{"text":"Well, you would sort of hope that, look, when you're looking from 6.93%, it would progress to 9.8 and with the the speed in which you can action Mhmm. changes and stuff to be a bit more efficient, that should Yes. be recovered fairly quickly. Exactly.","start_word":3606,"end_word":3651,"intents":[{"intent":"Determine sma's impact on sma performance and recovery speed","confidence_score":5.6380327e-9}]},{"text":"Now with the SMA is that because you kind of invested in the the SMA high growth option, if you don't have to state that we have a lot of different SMAs, a lot of different configurations.","start_word":3653,"end_word":3689,"intents":[{"intent":"Discuss sma options and benefits","confidence_score":0.00015623168}]},{"text":"with the SMA is that it allows us to be a bit more proactive in that way.","start_word":4051,"end_word":4067,"intents":[{"intent":"Clarify sma recommendations","confidence_score":0.07892486}]},{"text":"if I was to keep it, what would that Mhmm. recommend?","start_word":4409,"end_word":4419,"intents":[{"intent":"Recommend keeping the current $74 million","confidence_score":0.01333294}]},{"text":"I'd like to see I don't really like seeing the current $74 being Mhmm.","start_word":4420,"end_word":4433,"intents":[{"intent":"Discuss the return on the current amount","confidence_score":7.9675084e-7}]},{"text":"I'd like to see I don't really like seeing the current $74 being Mhmm. compared to the recommendation because that recommendation, which brings up to a 120, you know, a lump sum in ten years, Mhmm.","start_word":4420,"end_word":4455,"intents":[{"intent":"Discuss the difference between current and recommended amount","confidence_score":0.0011617735}]},{"text":"so that you can Just see the compounding just for that. trying to to compare like for like rather than Yeah.","start_word":4603,"end_word":4623,"intents":[{"intent":"Discuss the compounding price","confidence_score":0.0000050073468}]},{"text":"Now in the appendix later, which is those comparisons for SuperAware and Hostplus, I have done everything exactly the same. So No.","start_word":4818,"end_word":4839,"intents":[{"intent":"Show insurance comparisons in superaware and hostplus","confidence_score":0.0000030720448},{"intent":"Show the difference between superaware and hostplus","confidence_score":0.0023840845}]},{"text":"So we show you a yearly fee here, but it's not like a one lump sum that comes out once a year, and that's it. It Yeah.","start_word":4957,"end_word":4983,"intents":[{"intent":"Explain yearly fee","confidence_score":0.14300048},{"intent":"Explain plan of payment","confidence_score":0.000021363316},{"intent":"Explain monthly fee","confidence_score":0.000014946993}]},{"text":"So even if Yeah.","start_word":5102,"end_word":5105,"intents":[{"intent":"Discuss understanding of contract agreement","confidence_score":1.8492718e-8}]},{"text":"When you came on board, you are correct. There would have been an upfront advice fee. Yeah.","start_word":5389,"end_word":5405,"intents":[{"intent":"Clarify fee and details","confidence_score":0.00015275604}]},{"text":"it's just kind of like I there was an understanding of I'm just trying to understand these ongoing Yeah. fees.","start_word":5462,"end_word":5481,"intents":[{"intent":"Understand balance","confidence_score":0.16817854}]},{"text":"fees.","start_word":5480,"end_word":5480,"intents":[{"intent":"Understand fees","confidence_score":0.90751344},{"intent":"Understand cost","confidence_score":0.013446831}]},{"text":"Are they I thought they were a percentage of the income generated of the the growth, It's not of up the there. whole balance. Because, like, It what's is up what's yeah. yeah. Because why should I pay you 1.1% of my whole balance if it's not really growing that fast?","start_word":5481,"end_word":5531,"intents":[{"intent":"Understand growth rate","confidence_score":0.29600528}]},{"text":"Are they actually doing the best job that they can and getting the best for the client? You just don't know.","start_word":5694,"end_word":5714,"intents":[{"intent":"Get best job","confidence_score":0.011178915}]},{"text":"So it is still that kind of incentive in trying to grow your super as much as possible at the same time.","start_word":5835,"end_word":5856,"intents":[{"intent":"Help millennials and superannuation","confidence_score":1.6969432e-7}]},{"text":"My job is to help educate you. My job is to help make the best recommendations for you, whatever that might be.","start_word":5896,"end_word":5917,"intents":[{"intent":"Help educate and make recommendations","confidence_score":0.0014532787}]},{"text":"being so difficult to actually follow. Like, I remember being you know, going out to your first jobs and all of a sudden, you get a new superannuation.","start_word":6027,"end_word":6054,"intents":[{"intent":"Follow superannuation plan","confidence_score":0.000063993735}]},{"text":"and you don't get educated about that at Yeah.","start_word":6281,"end_word":6289,"intents":[{"intent":"Educate on finances","confidence_score":0.0021889072}]},{"text":"You guys have a bit of a better understanding of it than we do. Mhmm.","start_word":6761,"end_word":6775,"intents":[{"intent":"Understand","confidence_score":0.016313996},{"intent":"Understand","confidence_score":0.58121526},{"intent":"Understand","confidence_score":0.1942299}]},{"text":"unless Especially you're sitting even down in front yeah. social And unless media. you Even, actually like, chat to HAP, they they tend to sometimes be biased. You know, you yeah. have to be really careful because it is very K. selective. Yeah.","start_word":7019,"end_word":7061,"intents":[{"intent":"Evaluate phone communication","confidence_score":0.004712998}]},{"text":"to make sure that you make the informed decision for yourself at the end of the day.","start_word":7210,"end_word":7226,"intents":[{"intent":"Make informed decisions","confidence_score":0.4298124},{"intent":"Make informed decisions","confidence_score":0.7704457}]},{"text":"Everyone's trying to review and revise, drill Mhmm. down, and make it better.","start_word":7319,"end_word":7331,"intents":[{"intent":"Review and revise","confidence_score":0.5002168}]},{"text":"I'm lucky that Craig's is a little higher, but that essentially is that is not a safe unit at all to be going into a retirement for. Yeah.","start_word":7438,"end_word":7465,"intents":[{"intent":"Prepare for retirement","confidence_score":0.008336335}]},{"text":"Now what I have done, just so that you know, is that for lie for TPD, not for life, but for TPD, if you get paid out the the benefits, then there are tax consequences as well. If you are over 60, it's tax free. If you're 60, it can be taxed for up to 22%. So Oh, this.","start_word":7902,"end_word":7960,"intents":[{"intent":"Clarify tax consequences and policy cost","confidence_score":0.00019097849}]},{"text":"It would be much better for we don't actually want that to happen. Of course.","start_word":8314,"end_word":8328,"intents":[{"intent":"Declining coverage","confidence_score":0.00014119809}]},{"text":"We'll go ahead with that 100%. Like, to reduce Yep. it pretty much as to the Yep. bare minimum to make it comfortable Yep.","start_word":8417,"end_word":8440,"intents":[{"intent":"Reducing costs","confidence_score":0.036261186}]},{"text":"also, obviously, because Craig's still working, but there might be more costs associated if you needed more medical assistance, whether you needed Yeah.","start_word":8511,"end_word":8533,"intents":[{"intent":"Providing medical assistance","confidence_score":0.030782191}]},{"text":"And the product disclosure statement that includes the what it actually covers you for, the TBD? Because, Correct.","start_word":8589,"end_word":8606,"intents":[{"intent":"Confirming product disclosure","confidence_score":0.060227133}]},{"text":"The recommendation is still valid. Let me triple check because I'm telling you the right thing. I think it's still valid for another thirty days. okay.","start_word":8683,"end_word":8708,"intents":[{"intent":"Validate recommendation","confidence_score":0.024187082},{"intent":"Review recommendations","confidence_score":0.08757491}]},{"text":"a bit of a financial order at the moment just along with tax and all that. You know what it's like comes to that Yes. time of year. Yes.","start_word":8757,"end_word":8785,"intents":[{"intent":"Discuss financial order","confidence_score":0.2981106}]},{"text":"if you guys have a read through the document, you have any other questions, just give me a call and we can book you in for a catch up.","start_word":8823,"end_word":8851,"intents":[{"intent":"Book catch up","confidence_score":0.102853596}]},{"text":"often like, is it how often What does the is that, like, a monthly installment for the or is it, like, a a a 12 monthly sort of deduction for the for you the know, pre how insurances.","start_word":8985,"end_word":9022,"intents":[{"intent":"Discuss insurance","confidence_score":0.0010783595}]},{"text":"It's like you you upgrade your like, every April, Yeah. you pay your credit card for $3.95.","start_word":9128,"end_word":9144,"intents":[{"intent":"Ask about payment options","confidence_score":0.0155176865}]},{"text":"whereabouts Good when question, will this renew? though. But no.","start_word":9194,"end_word":9203,"intents":[{"intent":"Ask about renewal process","confidence_score":0.036826637}]},{"text":"Would you like me to set up a time to call you back, or do you wanna just take your time, have a bit of a read over it, and then let me know how you go?","start_word":9242,"end_word":9278,"intents":[{"intent":"Request call back","confidence_score":0.06861631}]}]},"sentiments":{"segments":[{"text":"If you record your name and reason for calling, I'll see if this person is available. Veronica, Oakview Financial. Thanks. Please stay on the line. Hello? Good afternoon. This is Shannon. Yes. Speaking. This is Veronica from OC Financial. How are you? Hi, Veronica. I'm well.","start_word":0,"end_word":45,"sentiment":"neutral","sentiment_score":0.10108794271945952},{"text":"Thanks.","start_word":46,"end_word":46,"sentiment":"positive","sentiment_score":0.4202524423599243},{"text":"How are you?","start_word":47,"end_word":49,"sentiment":"neutral","sentiment_score":0.22603587806224823},{"text":"Good. Thanks. That's good.","start_word":50,"end_word":53,"sentiment":"positive","sentiment_score":0.5305183529853821},{"text":"I had you booked in to go over the the research I did on Yes. your superannuation. Is now still a Yes. good time? Yeah. No. Now's Yeah.","start_word":54,"end_word":81,"sentiment":"neutral","sentiment_score":0.14809530973434448},{"text":"great. Thank you. Perfect.","start_word":82,"end_word":85,"sentiment":"positive","sentiment_score":0.45434436202049255},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Sure. That's fine. Perfect. And just for security purposes, just so that I can confirm I am speaking with the right person, can I just get you to confirm your full name, date of birth, and address, please? Yep. Shannon Leah Dickinson. 20 Martha Street, Bakersfield 6162, and 05/28/1976. Yep. Perfect. And how's your morning been so far? Been busy? Yeah. It's been good. I've Yeah. got the kids off to school. It's been cold, and now just prepping for husband to fly in here this afternoon. Oh, So, yeah. yeah, Well, getting on I the system. will try not to not to That's keep you okay. for too long, Shannon. No. It's fine. Do you have access to your emails at the moment? Yep. Hold on. Yeah? Just walk into Okay. the other room. Beautiful. Yep. Because what I have done is I have to send you an email with the recommendation, and it Okay. usually makes it a little bit easier if you can actually see it at the same time if you do have the option of doing so. Sure. Yeah. No. That's great. Give me two second. Sure. Did you only just send it? Yes. Just now. Sometimes it ends up in the spam folder as well. Yeah. Let's Sometimes it can take a a have few minutes. Let me see. So this a has look. been sent two minutes ago on my end, so it could be on its way. Nope. Do nothing? Just I here we go. See my Oh, card.","start_word":86,"end_word":371,"sentiment":"neutral","sentiment_score":0.05082487931045202},{"text":"perfect. Just a minute. Okay. Perfect.","start_word":372,"end_word":377,"sentiment":"positive","sentiment_score":0.499108761548996},{"text":"So Yeah. you will see before you click on the link where it says sign now, you will see a couple of attachments at the bottom of that email. Can you see those? Yep. Yep. Now I won't go through all of them with you because, otherwise, I'll keep you here for a while, but that's just that's essentially where all the research and everything goes. So all their Yeah. corresponding Thank you. products disclosure statement through everything is there. I have also included the appendix with some alternatives for you as well. So is But that the if you Ascendant, the insurance? Is that what yes. you said? Yes. Yep. So with the appendix. So you should Yep. say that one of the attachment is an appendix, and there is a Alright. couple of alternatives in the appendix. But I'll go through the actual recommendation first, and then I will show you the couple Hang of alternatives on. There's the appendix. in there. I'm just looking for that. I've got Oakview PDF, investment booklet, Yep. call menu, hub 24, just the PDF, additional Yep. information booklet, send Yep. the insurance PDF, and the SOA oh, sorry. The SOA. That one. Yep. Down button. Yep. Yep. Cool. That's that So one. is that the one But you want what me to open? I will get you to have a look at that later because Okay. I wanna go through the actual recommendations first, but Okay. then the appendix is the one I do wanna refer back through after. But if you could click on the link where it says sign now. Now it won't get you to sign right away. It will allow you to open up and view everything first. Okay. Okay. And when you click on it, it should show the first document first where it says statement of reply. Yep. Yeah.","start_word":378,"end_word":691,"sentiment":"neutral","sentiment_score":0.06503953039646149},{"text":"Perfect.","start_word":692,"end_word":692,"sentiment":"positive","sentiment_score":0.3893167972564697},{"text":"Yeah. Now this has been tailored specifically for you, and I have Okay.","start_word":693,"end_word":705,"sentiment":"neutral","sentiment_score":0.1935265064239502},{"text":"put together a strategy that I believe are going to achieve your goals and your objectives the best. But at the end of the day, Shannon, it is completely up to you. They are just recommendation. It is joy your choice at the end of the day whether you wanna take some of it, all of it, or none of it at the end of the day. Cool. Thank you.","start_word":706,"end_word":775,"sentiment":"positive","sentiment_score":0.5345593690872192},{"text":"Now you will So yes. yeah. So are you wanting to go through this with me, or am I to have a rate Yes. and then we go through it later? Or how do you wanna go about it? A bit of both. So what I would like to do is just run through the main points with you while I have you on the phone to pin point that, but then I will Yeah. get you to have an opportunity to read over everything in your own time as well because it is quite long. So I don't wanna go through everything with you because you'll see it's it's about 40 pages, But I will kind Yeah. of go through the main changes in the recommendation and why I have made them, and then I will let you through have an opportunity to read over everything. And if you have any questions afterwards, we can always do another catch up. Yeah. So Yep. I say Does that that I'm make still sense? yeah. No. That's fine. Yep. I say that I'm still in high growth. So what if we recommended from here? Yeah. Yep. So what I will do first is just kind of go through just my compliance point of view. On the cover page as well, you will also see my details listed. You will see Yeah. my authorized representative number, and I am licensed under OQ Financial. Now to save you time, I will kind of skip through straight to the recommendation. But some of Yeah. the pages that you will scroll through outlines the best interest duty, which essentially means that we have to act in your best interest at all time. The advice itself has to put you in a better position as a result of the advice. Otherwise, we can't actually make the recommendation. So a lot of that kind of wording is where you would have scrolled through. You would have also scrolled through a couple of pages talking about scope of advice. Just for your reference, what it is is referring back to the areas we are looking at today. So simply today, what we are looking at and what I have recommended is reviewing your superannuation to make sure that everything is set up correctly for you. I have also considered a couple of those industry low cost funds for you as a comparison as well as well as with your insurances canceling your income protection and keeping your life and PPD for the time being. Does that make Okay. sense? Mhmm. Yeah. So I see that this income protection, I'm paying 3,000 a year. Is that right? I mean, is that currently the yearly premium, or is that what I would get? I'm just looking at this, Asenda, Yep. your current risk protection portfolio. I've Yeah. just like, So I was on just page scrolling on through page nine, page nine. is that it? Yeah.","start_word":776,"end_word":1271,"sentiment":"neutral","sentiment_score":0.06507071037776768},{"text":"Beautiful.","start_word":1272,"end_word":1272,"sentiment":"positive","sentiment_score":0.36668288707733154},{"text":"Yeah. This is what you currently have. This So is this what is I currently current have. Right? Correct. Okay. So this Premium includes $2,700, and that's what I get. Or that's All what 3. yeah. So that's what Yes. would get paid out to Harvey if something happened to me. Correct. So that is your Yeah. life, which you can see here, 800 Yeah. TPD, and income protection. So all three is 2,708 after the tax rebate. So that is what you are currently paying. Okay. That can Yep. definitely get dropped down. Yes.","start_word":1273,"end_word":1367,"sentiment":"neutral","sentiment_score":0.06047971546649933},{"text":"So I have recommended that for you.","start_word":1368,"end_word":1374,"sentiment":"positive","sentiment_score":0.4272671043872833},{"text":"Now Oh, do you want me to start with the insurances, thank or would you like me to start with the superannuation? Because superannuation, you. you scroll through first, Okay. but I We'll can touch do that. on this yeah. Yeah. Okay.","start_word":1375,"end_word":1416,"sentiment":"neutral","sentiment_score":0.09428727626800536},{"text":"We Perfect.","start_word":1417,"end_word":1418,"sentiment":"positive","sentiment_score":0.38626766204833984},{"text":"can just go in we can just go in go That's in order how it comes. of the paperwork. Yeah. Yeah. Saves you Make having it easy to scroll for back and forth. me. But, essentially, after that, Mhmm. so page 10, you will just see a little bit of information in regards to that high growth portfolio again. So when we spoke last time, you said that you were quite comfortable to stay within the same risk profile. Your Well, main concern. no. Okay.","start_word":1419,"end_word":1503,"sentiment":"neutral","sentiment_score":0.10967346114270828},{"text":"Not happy to stay in the high growth risk profile, but Okay. not happy to change when I'd be going to be selling high growth or low.","start_word":1504,"end_word":1530,"sentiment":"negative","sentiment_score":-0.3480026125907898},{"text":"I just don't think it's the I needed sort of like well, that's why I'm speaking to Mhmm. you because you're the expert. I just Mhmm. feel like the high growth at that point Mhmm. was very volatile, and to be selling it for more safe options Yep. before it sort of bounces back a little bit is probably Mhmm.","start_word":1531,"end_word":1590,"sentiment":"neutral","sentiment_score":-0.18892155587673187},{"text":"the wrong time to sell.","start_word":1591,"end_word":1595,"sentiment":"negative","sentiment_score":-0.36440667510032654},{"text":"Is that right? I'm not sure. I don't know Yeah. if I do No. if my And understanding's I I that. no. You totally make sense. And it is it is like that as well because when you do make when we make a change, especially when it comes to your superannuation, which is a little bit more about long term investment, We wanna make sure we keep it for for a longer period of time. You you wanna be proactive when it comes to the investments in the market, but at the same time, we don't also want to be, like, day trading or making too many changes. Because when you do make a change, unless there are structural issues in regards to one particular investment, you have to pay capital gains tax and Correct. transaction fees to do so. So we are then also considering the whole impact. And if it's a matter of let's sell right now to then potentially increase the risk later on, that's usually not the best idea if you have the time in the market because often trying to time the market fluctuation up and down is very hard. And when you are looking historically with the market and the people that are trying to buy and sell, like, buy high, sell low, and trying to time Yeah. it Time. to take advantage of that, it doesn't Yeah. actually put you in a better position than if you just kind of maintain it as long as you have the time behind you, which you do at the moment. Does Yeah. that Yeah. make sense? Correct. Yeah. So Yes.","start_word":1596,"end_word":1870,"sentiment":"neutral","sentiment_score":-0.05624107805165378},{"text":"I'm happy for it to stay where it is, but when the next really good opportunity to Mhmm.","start_word":1871,"end_word":1888,"sentiment":"positive","sentiment_score":0.4682230353355408},{"text":"sort of buy like, to to sell and buy into a more sort of medium growth, that would Yep. be, Yep.","start_word":1889,"end_word":1909,"sentiment":"neutral","sentiment_score":0.17698808014392853},{"text":"you know, Beautiful. medium to save.","start_word":1910,"end_word":1915,"sentiment":"positive","sentiment_score":0.41707050800323486},{"text":"Yeah. Yeah. I'm sort I'll of make like so if whilst we've got the time, I'd like to yes. allow it to grow, but then when there's a really good opportunity to sell it before it drops out again because, Yep. you know, it's just so volatile. I just don't need the stress of it. Yeah. Yes. So we can definitely I'll make a little note because I have here as well that we'll touch base, obviously, every couple of months just to check-in and see how things are going. Yeah.","start_word":1916,"end_word":2006,"sentiment":"neutral","sentiment_score":0.13873761892318726},{"text":"And I'll make I'm a little note as well happy through with, like, once a quarter.","start_word":2007,"end_word":2022,"sentiment":"positive","sentiment_score":0.3774394094944},{"text":"okay. Like, previously, it's been, like, once a year. Like, look, Mhmm. if if something happens where Of you're course. like, oh, hang on a minute. I'm not gonna leave it to once No. a quarter. If if if there's movement in the market, anything Correct. okay. This is a really good time for Sean to double down to, Yep. like, Yeah. I'm not gonna to be sort like, of oh, transfer. your under review is not up. Yeah. I'm not gonna quote you. No. It Yeah. doesn't work Please. like that. Not like it's been for the last No. whoever I was with previously, I didn't even know Alan West Richard moves. You know? I I didn't even know Yeah. he'd so Just yeah. communication. Anyway Yes. well and I wasn't replying because it was I wasn't impressed with the 1% growth over the year. And I'm like, Yep.","start_word":2023,"end_word":2172,"sentiment":"neutral","sentiment_score":-0.05573186278343201},{"text":"oh my god.","start_word":2173,"end_word":2175,"sentiment":"negative","sentiment_score":-0.35916876792907715},{"text":"Or to sell when there's only been 1% Mhmm.","start_word":2176,"end_word":2184,"sentiment":"neutral","sentiment_score":-0.2232246845960617},{"text":"growth, I'm obviously gonna lose a whole lot of money if Mhmm. it's that low.","start_word":2185,"end_word":2199,"sentiment":"negative","sentiment_score":-0.40965959429740906},{"text":"Sort of want it to bounce back a little bit Yep. before we I don't know. Make some Unless changes.","start_word":2200,"end_word":2219,"sentiment":"neutral","sentiment_score":-0.20469166338443756},{"text":"it's just been really bad really bad investment investing. Unless, you know, they're very bad investment choices of funds in the beginning from whoever was doing the job before you.","start_word":2220,"end_word":2249,"sentiment":"negative","sentiment_score":-0.3984893262386322},{"text":"Do you know what I mean? I don't know. Yeah. I don't know. And it totally totally makes sense. And so what I have recommended to make it easier is when you scroll through the pages, you will it's quite wild, David. It is so you have the opportunity later to read through everything so that you are fully informed. But it talks about what the actual recommendation is and why I have recommended it.","start_word":2250,"end_word":2324,"sentiment":"neutral","sentiment_score":0.18576692044734955},{"text":"I usually Thanks. find that the easiest way to look at it as a starting point is to just kind of look at the numbers and how that will look like.","start_word":2325,"end_word":2355,"sentiment":"positive","sentiment_score":0.33749014139175415},{"text":"So if you can scroll down to page Yeah. 16 for me. 15. 16. Yep. Oh, 16. And it's Sorry. Yep. 16. Yep. And you should Yep. have a table where it says fee comparison table. Can you see that? Yep. Yep. Now that basically puts all the numbers and everything into perspective. So you can see here your if you look at your the first situation first, which is your current. That shows you your current balance. It shows you your total fees currently. It shows you the insurance premium. It shows you the the total cost of your hub 24, but it also then shows you the return on your investments currently using a five year rolling average. Now we like to use a five year rolling average because it gives us a little bit more certainty of what has happened in the market and the world. There's obviously no guarantee with investment, but that is why we prefer to use five years. Because if I use twelve months, depending on when I were to use it, some years, it would have looked like you've won the lottery. Other years, not so great. So having a five year time frame of averaging it out gives us a little bit more certainty. Does that make sense, Shannon? Yeah. No. That's great. Yep. Now what I Yeah. Sorry. Here no. you go. I was like, what I have recommended, it is staying in hub twenty four. Now I did consider a lot of different other alternatives for you. So I considered other kind of comparison options to hub twenty four when it comes to the sophistication, but also the investment choices and flexibilities in constructing the portfolio. But what I also considered is the the kind of top rated industry funds as well. So I considered AustralianSuper, AwareSuper, and Host Plus for you, which is in the appendix later just Okay. so that you can see the alternative. Because I know, obviously, fees and everything was a you know, is obviously a factor. So Well, part it's a factor of the when it's a factor only when the growth was so low. And okay. Correct. I you don't know when you're looking at that Yeah. growth. Okay. Look. What what's the performance across the whole Mhmm. the wider so, like, landscape? Yep. But is it just, like, if it's 1% and, you know, everyone else is doing that point 5%, then you're like, Then okay. there's Well, actually, something you're more doing going quite on. well relatively. Yeah. Right? Yes. But the thing is when you're, like, looking around and going, hang on a minute. Why are we why are we Yeah. doing even bothering being so sophisticated when it's 1% and there's other places being, like, eight? Yeah. And and it has to be worth it, and I completely get that. So if you are paying a little bit more in fees, you obviously wanna make sure that at net of Yeah. everything, Value. it Value. pays off. Economics Exactly. is all about Exactly. fun.","start_word":2356,"end_word":2871,"sentiment":"neutral","sentiment_score":0.07939125232167485},{"text":"Why the hell am I gonna go for something a little bit more expensive, a little bit more Mhmm. complex, a little bit harder for me to manage myself if Unless it's gonna it pays cost off.","start_word":2872,"end_word":2908,"sentiment":"negative","sentiment_score":-0.3857969343662262},{"text":"me, like, so much Yep. more. Yeah. I'm like, come on. I'm So sorry. I'm not trying I'm not not trying to I just got sold it so well Yeah. in the beginning Yeah. that I sort of, you know, just sat on my hands for a little bit hoping that this would resolve itself and that there would be some sort of some sort of reason to continue or to keep staying. Yep. You know how you have to sort of give things time to show them Yes. to show Yep. their their their cards. What's going on? Yep. But Yep. yeah. And so yeah. So I sorta hadn't I was avoiding a lot of the phone calls from Oakview because I was waiting to sorta see proof in the pudding and Yeah. yeah. Yeah.","start_word":2909,"end_word":3044,"sentiment":"neutral","sentiment_score":-0.01142899936873137},{"text":"So it's been great. Thank you. I look forward to receiving this. It's gonna take me a little bit to actually Of read course.","start_word":3045,"end_word":3068,"sentiment":"positive","sentiment_score":0.5548157691955566},{"text":"through it properly.","start_word":3069,"end_word":3071,"sentiment":"neutral","sentiment_score":0.259898841381073},{"text":"I And really there's a do lot. appreciate.","start_word":3072,"end_word":3079,"sentiment":"positive","sentiment_score":0.38963547348976135},{"text":"Yeah. You've No done a worry. lot of work I'm here. not I can see I'm that. Mhmm. and that's and that's fine.","start_word":3080,"end_word":3102,"sentiment":"neutral","sentiment_score":0.09557271003723145},{"text":"And I definitely want you to take your time to go through it.","start_word":3103,"end_word":3115,"sentiment":"positive","sentiment_score":0.46250617504119873},{"text":"Now some of the points I do wanna point out just so that you are aware, you can obviously see that I have made a recommendation to move to the SMA. Do you remember us talking Yeah. We do. briefly about Yep. yes. So I did consider not SMA a lot of different options. So the obviously, the benefit with the SMA is that flexibility with the investment choices, and we can be more proactive because you don't have the same process when it comes to going through things. So that's what makes it really good. But at the same time, I wanted to make sure that, well, is it going to be cheaper for you, and is it going to perform better? Because, otherwise, just having that flexibility, which, yes, in the future, especially with everything going on in the market, it allows us to do that. But I need to factor in everything, not just that. And in doing it, it you can see here that it is actually a bit cheaper for you. Yeah. So it is It's a reducing bit cheaper. the cost. So why does my why would the balance start out at $86,003.85 instead of instead of as the same? 87. Yep.","start_word":3116,"end_word":3323,"sentiment":"neutral","sentiment_score":0.12479695624027116},{"text":"80 That is 7. a excellent question.","start_word":3324,"end_word":3330,"sentiment":"positive","sentiment_score":0.33434155583381653},{"text":"So you can see the difference there of about 700 and Is 14. that a rollover? Like, is that a is that a charge for the SMA, or is that like, what's that No. for? That's the capital gains tax. So, obviously, by changing investments, when you are selling investments that have gone up, you have Yeah. to pay capital gains tax Got on you. the earnings. Now I've tried to minimize that as much as possible, and it does fluctuate on a daily, obviously, with market prices, but Yeah. it is estimated at around 714. Now just for your reference, when I considered going through Australian SuperAway Superhost Plus, that would obviously be a full sell down of everything. The capital Yeah. gains tax is estimated at around 1,444 just so Yeah. that you have that comparison. Which isn't So really when you that much considering no. my It's pretty consider good. it just well, that just is because there hasn't been that much growth. Do you know what I It's mean? a it's a combination of swapping the investments in a tax effective way. So if I also, some of your good investments at the moment are also in the SMA. So, Right. obviously, when you do just, like, a a swap over, then you don't have to pay capital gains tax on everything. Yeah. Okay. So it is a bit of a combination. So it Yeah.","start_word":3331,"end_word":3569,"sentiment":"neutral","sentiment_score":0.06578845530748367},{"text":"is good in that way that you don't have to pay too much, but it is something I do wanna let you know, and I'm very glad that you pointed out Yeah.","start_word":3570,"end_word":3601,"sentiment":"positive","sentiment_score":0.5214659571647644},{"text":"that is the difference. Well, you would sort of hope that, look, when you're looking from 6.93%, it would progress to 9.8 and with the the speed in which you can action Mhmm. changes and stuff to be a bit more efficient, that should Yes. be recovered fairly quickly. Exactly. Now with the SMA is that because you kind of invested in the the SMA high growth option, if you don't have to state that we have a lot of different SMAs, a lot of different configurations. So, actually, if you first scroll down to page 17, you can see it kind of just projected five and ten years forward. Now that factors in everything. So it factors in adviser fees. It factors in insurances, the capital gains tax, everything.","start_word":3602,"end_word":3731,"sentiment":"neutral","sentiment_score":0.15270754121817076},{"text":"But it shows you also that the the little improvement in the return along with the reduction in the space, it does compound for you.","start_word":3732,"end_word":3756,"sentiment":"positive","sentiment_score":0.4428588151931762},{"text":"Now that is also assuming no contribution, so you're not putting anything into a super either. So is that on top of the existing, or is that the total? Like, so lump sum in ten years, 74 how does the lump sum in five years go to 81 down to 74? Like, Because of yeah. Which is a current which is a great question because of the fees. Because the fees at the moment, and you don't have anything going in. So how the return on your investments are growing, but you obviously have fees coming out. Because you don't have any contributions going into super as well, that's why, which is, obviously, And my when fees we are look actually at it, a lot greater than, like, than what like, if the it's return if it's has been yeah. yeah.","start_word":3757,"end_word":3897,"sentiment":"neutral","sentiment_score":-0.024566028267145157},{"text":"So so I don't recommend staying, which is which is why the underviews and I'm very glad you did, you know, obviously, speak to me during the underview and allow me to do this so Fuck. we can then make changes and not just kind of lead it.","start_word":3898,"end_word":3945,"sentiment":"negative","sentiment_score":-0.4404536187648773},{"text":"Because because with the market, it it's such a fluid thing as well. Right? So it's like, what is best for you when you came on board even a year ago to today is always changing. So we wanna Okay. make sure we we keep changing things because the market things are changing. No one knew about all the tariffs that Trump, you know, decided. Yeah. No one knew about the war, and no one knew about COVID. Like, there's a lot of things happening. So that's why we Yep. always it's not a, like, a sudden forget thing, which another kind of plus No.","start_word":3946,"end_word":4050,"sentiment":"neutral","sentiment_score":-0.08674696460366249},{"text":"with the SMA is that it allows us to be a bit more proactive in that way.","start_word":4051,"end_word":4067,"sentiment":"positive","sentiment_score":0.3356350362300873},{"text":"Yep. Now Can I for your sort yes. of say because, like, for it to be going from 81,000, like, dropping Mhmm. to 74, that's and then to so the recommendation is Mhmm. it would just be trouble? So that is my forecast lump sum in ten years to be about a 100 Correct. and $20. Correct. Okay. Yep. It's not that much of a big difference, really, but, like, it is that I know when you sort of look at all these things, oh, you're skipping me from here to here. I know. When you're not putting anything in, I know. It's And you don't and really that's expect the much. and, yeah, and and that's the thing now. If at any point in time your situation changed or you guys have spare money and you want to put anything, obviously, the more the more because it's return on your investments. Right? So the more money you have invested, the higher those are gonna get. Well, I've So got another $10 sitting there in a different one that I just haven't rolled over because I was looking that yep. I I've been trying to decide which way do I roll. Do What I roll to do? in or do I Yep. roll out? Yes. Like, I've found another account, and I was like, oh, didn't realize that one was there. So Yeah. this is taking into so on this recommendation, Mhmm. like, the lump sum in ten years, a hundred and twenty, that's including the deductions from my income protection, TPD, Correct. and everything every year. So that figure, if I was to cancel, that would actually be quite higher. Correct. So if you so the recommendation factors in canceling your income protection, not Okay. your That life and PPD. okay. And so Yeah. that current, does that include canceling That includes it? all all three because that is your current situation. So that is if you were to just leave it and make no Oh, changes. wow. So Yes. if I was to keep it, what would that Mhmm. recommend? I'd like to see I don't really like seeing the current $74 being Mhmm. compared to the recommendation because that recommendation, which brings up to a 120, you know, a lump sum in ten years, Mhmm.","start_word":4068,"end_word":4455,"sentiment":"neutral","sentiment_score":-0.06178233344299892},{"text":"they're not really it's not really showing that could just it's not showing much it's not showing an accurate increasing performance of super superannuation only.","start_word":4456,"end_word":4480,"sentiment":"negative","sentiment_score":-0.48284462094306946},{"text":"It's just showing the deductions It's of, showing like, the the removal whole of yeah. the removal So what of I can the income. Yeah. what I Protection. can do for you so if you scroll up to page 16, which is that Yeah. is obviously your current versus the recommended. You can see the changes in the premium. What I can do for you, though, is I can get the team to draw up, and I can send it in a separate email to you. Just this table here, but having the premiums the same. So I can have your current situation, but with the same insurances. So assuming we cancel income protection, if and then just have the same Yeah. so that you can Just see the compounding just for that. trying to to compare like for like rather than Yeah. I can yeah. get I'm just that emailed wondering. to It you. I guess it doesn't really matter so much, but I'm just like, oh, you know, because if if you're only gonna make, like, $45 in ten years, that's not very much. It does make a a difference still, though, considering you're not putting anything in. Obviously, the more you put in, the the bigger difference. So, obviously, that's kind of it just letting it do its thing without you putting any money in. Okay. So Yeah. it's it still makes a pretty like, if you think about it, you don't put any extra money in.","start_word":4481,"end_word":4730,"sentiment":"neutral","sentiment_score":0.03253967687487602},{"text":"It's just kind of by making the change, it just grows Yeah.","start_word":4731,"end_word":4742,"sentiment":"positive","sentiment_score":0.40091171860694885},{"text":"by itself. So But, you it's know, it's at still least right pretty. now, I think, Sorry. No. Sorry.","start_word":4743,"end_word":4761,"sentiment":"neutral","sentiment_score":0.06770367273374607},{"text":"What I'll do is I will be more than happy to get the team through draft and just email that to you just in a separate email.","start_word":4762,"end_word":4788,"sentiment":"positive","sentiment_score":0.4397156536579132},{"text":"And I will Okay. have the insurance premium the same at $1.06 $3.06 and show you everything else the same just so that you can see the difference. Hey. Now in the appendix later, which is those comparisons for SuperAware and Hostplus, I have done everything exactly the same. So No.","start_word":4789,"end_word":4839,"sentiment":"neutral","sentiment_score":0.20873494446277616},{"text":"I That's have all done fine. Thanks, Veronica.","start_word":4840,"end_word":4847,"sentiment":"positive","sentiment_score":0.431628555059433},{"text":"yeah. No. That's okay. I've done insurance premiums the same. Yeah. I've obviously assumed no adviser fee because if you do move to Australian Super, for example, you're not paying adviser fee. So it is showing everything. When you have a look at it and the starting balance is a bit less, it Yep. is because of that capital gains tax that would come out if you decide to do a full sell down. So that adviser service fee, the 9 Mhmm. $52.09 64, that's yearly, is it? And that gets sort of broken down into monthly Correct. sort of So is that we right? show you yes. Correct. So we show you a yearly fee here, but it's not like a one lump sum that comes out once a year, and that's it. It Yeah. is divided Gets broken down and to a monthly. correct, but it also gives you that flexibility. So first of all, it makes it more fair to you because it is because, obviously, your partner is your client. It is reduced to 1.1. So it is a percentage of your balance. So with market fluctuations, by doing it monthly, it makes it more fair to you with the fluctuations in the market than if we were to do, like, a one off fee. If the market was, like, super high at that time, it obviously makes it more fair by doing it monthly, but it also gives you more flexibility because it is not a lock in contract. So even if Yeah. you Kind were to of go, okay. sort of goes both You ways. better More go. fair for us, more Correct.","start_word":4848,"end_word":5126,"sentiment":"neutral","sentiment_score":0.14784801284044874},{"text":"fair for you.","start_word":5127,"end_word":5129,"sentiment":"positive","sentiment_score":0.3911057710647583},{"text":"That all takes Mhmm. you the flexibility so you don't have to, like, sign up for a full twelve months. So if Yeah. you No. are like, That's okay.","start_word":5130,"end_word":5158,"sentiment":"neutral","sentiment_score":0.14715120196342468},{"text":"great. Yeah. Yeah.","start_word":5159,"end_word":5161,"sentiment":"positive","sentiment_score":0.4594099223613739},{"text":"Happy So to do the monthly rollover at the moment just to see how yep. we go. I'll have a read into all of that. Yeah. Still But that. when Yep. when they kept ringing me previously going, oh, you know, it's kinda it's, you know, through up for renewal up for, like, twelve months. I'm like, oh, that's gotta be commitment. Let me read Yeah. Yes. and get through it. And I then think it just it keeps is. rolling over and rolling over because it's been like, my god. Yeah.","start_word":5162,"end_word":5253,"sentiment":"neutral","sentiment_score":0.024851903319358826},{"text":"Like, good.","start_word":5254,"end_word":5255,"sentiment":"positive","sentiment_score":0.4186975955963135},{"text":"Especially if it's a twelve month commitment. It's a lot more than a twelve month. And it doesn't even have to as in a monthly. It doesn't have to be monthly. If you after if you give it two weeks, you guys know. Like, there's no exit fees. There's no lock in contracts. There is nothing Yeah. like that. Yeah. So it is Well, because we paid when we first so when we first joined, it was, like, a 3,000 joining fee. I understood. mhmm. Yep. And now we've rolled on to monthly ongoing costs that are 1.1% of our is it our balance, or is it just Of of of the your balance growth? of your balance. Now when you came on board and I'll just wanna get the SOA up. Sorry. When you came on board, you are correct. There would have been an upfront advice fee. Yeah. It was That is 3,000. basically to come on board. Now there was also the ongoing fee. So the ongoing fee would have always been there. And, hopefully, they did explain that to you at the time because I know you said you weren't communicated. No. I was fine with the ongoing fees, but Okay. it's just kind of like I there was an understanding of I'm just trying to understand these ongoing Yeah. fees. Are they I thought they were a percentage of the income generated of the the growth, It's not of up the there. whole balance. Because, like, It what's is up what's yeah. yeah. Because why should I pay you 1.1% of my whole balance if it's not really growing that fast? Like, you know, it's just not saying, like, it should just almost like, when we first started, it was like I understood that we paid $3,000 joining fee, and then Mhmm. we'd be paying percentage of growth. We'd be paying a percentage of the actual performance of the performance of the of the actual of the growth of the balance as opposed to just being the whole balance. Because otherwise, what incentive if you go, oh, they got $880 there. I'm just gonna get 1.1% of that. If you're in, why should I try and grow it? Do you know what Yeah. I mean? Because I've I'm I'm Yeah. locked into that. It's like, why would a real estate agent try and get the highest highest house price for someone when they're gonna get $15 anyway for the house sale? They just wanna do as many as they can, punch as many Yeah. through as get as many sales as they can. Are they actually doing the best job that they can and getting the best for the client? You just don't know. Or are they Yeah. just trying to punch through as many as they can? Yeah. You know? And and Does that no. make And sense? I hear you. No. It totally makes sense. And I guess also because it is of your balance. Right? So it kind of still goes back through to that that it it's not a performance fee, but it is a percentage of your balance. Now the more your super balance grows, the more you have in super, obviously, more money for you, but also we get paid more. So it is not still mutual beneficial that, yes, it is of your whole balance, but the more balance you have, obviously, the higher the fee.","start_word":5256,"end_word":5833,"sentiment":"neutral","sentiment_score":-0.049199058912746015},{"text":"So it is still that kind of incentive in trying to grow your super as much as possible at the same time.","start_word":5834,"end_word":5855,"sentiment":"positive","sentiment_score":0.4517185389995575},{"text":"But then, like, for for me, right, I don't Bless get you.","start_word":5856,"end_word":5867,"sentiment":"neutral","sentiment_score":-0.18770289421081543},{"text":"I don't get commissions. I don't get anything.","start_word":5868,"end_word":5875,"sentiment":"negative","sentiment_score":-0.4156486690044403},{"text":"Like, I it's just it's like a flat salary. Right? So my job is not to sell you on anything. My job is to help educate you.","start_word":5876,"end_word":5902,"sentiment":"neutral","sentiment_score":-0.0646725594997406},{"text":"My job is to help make the best recommendations for you, whatever that might be.","start_word":5903,"end_word":5917,"sentiment":"positive","sentiment_score":0.3836755156517029},{"text":"Now I don't get incentivized in any way, shape, or form in how that is.","start_word":5918,"end_word":5932,"sentiment":"negative","sentiment_score":-0.3775874078273773},{"text":"Does that Yep. make sense? So it's like, it's not my job to sell. It's to act in your best interest and Yep.","start_word":5933,"end_word":5955,"sentiment":"neutral","sentiment_score":-0.1019820272922516},{"text":"Thank you. do everything for you at the end of the day.","start_word":5956,"end_word":5967,"sentiment":"positive","sentiment_score":0.4422825574874878},{"text":"It's just been such a a rather shitty thing Yeah. to be Genex with the whole superannuation Yep. having the introduction of superannuation and how Mhmm. it's you know, you get, like, a new fund for pretty much like, we've lost so much of our superannuation Yeah.","start_word":5968,"end_word":6014,"sentiment":"neutral","sentiment_score":-0.06724875420331955},{"text":"with the poor setting up of the whole thing and it Yeah. being so difficult to actually follow.","start_word":6015,"end_word":6032,"sentiment":"negative","sentiment_score":-0.4128797054290771},{"text":"Like, I remember being you know, going out to your first jobs and all of a sudden, you get a new superannuation. You I I remember going to my previous financial adviser with something like 15 or 22 different superannuation funds to to all be rolled into from when I was traveling and working, and and it's kind of like the building of your superannuation. Now they're like, Yeah. oh, no. It's, you know and then you have an insurance in all the Mhmm. different funds that now it's illegal to to to, you know, for or not illegal, but the I'm not even There's educated a lot more in red this area. no. It's But there's in a lot more red tape on the industry than what it used to be, a 100 yeah. percent. It used to just Yes. be a money grab, and people Oh, just be, it like, used stealing, to be like, not through great? insurance Yep. fees out of every Mhmm. single fund you've got to the point that you had actually Yeah. accumulated a little bit of balance. And then all of a sudden, you Yeah. go overseas for a couple years, come back, you got nothing left. It's And just if and you don't it was know about just it and a lot or of and those funds set it up automatically. It's like a default thing, so you don't even yeah. And apply we're not for the cover. Yeah. and you don't get educated about that at Yeah. school, but you have to learn about, Yeah. you know, you have to learn about other shit. Like, nobody ever teach you about tax, superannuation, Yeah. or the different types of bills Yeah. and utilities that you're gonna have to pay when you leave home or how you're gonna Yeah. have to navigate But all you learn of that. about history and everything But else. you're like yeah. You learn about a whole we learn geometry and So trig, yeah. which well, why Yeah. don't you just sit there and teach me more about Yeah. finance? A bit more relative And, stuff. yeah, Yeah. why is economics just an elective and not an actual Mhmm. you Like, know, it compulsory just varies, thing. yeah, a compulsory. Yeah. Like, I'm looking Mhmm. at at my son's math at the moment. And rather than just really drilling down on the basics and going through, like, sort of the teach them how to run a business. Teach them, Mhmm. like, do a bloody Yeah. MBA in year 12 rather than doing freaking geometry and trigon, algebra, and all the things. Like, Like, do that physics as an and elective. all that. Like Yeah. like, that's No. not necessary. I agree. Like Yeah. anyway and so what my point is Man.","start_word":6033,"end_word":6506,"sentiment":"neutral","sentiment_score":-0.09028328106373172},{"text":"that superannuation is just such a hard thing to trust Yes.","start_word":6507,"end_word":6517,"sentiment":"negative","sentiment_score":-0.3950679898262024},{"text":"Yeah. because Yeah. of the fact that it's just So always much has been changed. Yeah. well, not so much that it's changed.","start_word":6518,"end_word":6540,"sentiment":"neutral","sentiment_score":-0.11670941697514577},{"text":"It's just that that, like, it's always just been so hard to actually they they they cover it up in so much paperwork and so much whatever in the hopes that people won't read it and not really understand it going.","start_word":6541,"end_word":6581,"sentiment":"negative","sentiment_score":-0.3363332152366638},{"text":"Then it's just like a sentence again. Oh, yeah. That's yeah. I'm yeah. Don't worry.","start_word":6582,"end_word":6596,"sentiment":"neutral","sentiment_score":-0.11500067263841628},{"text":"I'm I'm not even making sense when I talk about this, but I just have such a mistrust in it.","start_word":6597,"end_word":6616,"sentiment":"negative","sentiment_score":-0.4003523588180542},{"text":"And it's only No. and it because I'm not educated because that is the one thing that they should be teaching people, like, the kids that Yep. at school should Yep. actually be learning how to live their life and their leave rather than having to, like, hope that you've got educated parents that can teach you these things. We never actually Yep. got taught at school because it didn't exist. And then you end Yes.","start_word":6617,"end_word":6692,"sentiment":"neutral","sentiment_score":-0.10493140667676926},{"text":"up with and nobody actually taught you.","start_word":6693,"end_word":6699,"sentiment":"negative","sentiment_score":-0.3434774577617645},{"text":"It's just like all this mumbo jumbo Mhmm.","start_word":6700,"end_word":6707,"sentiment":"neutral","sentiment_score":-0.3174441456794739},{"text":"jargon that goes over everybody's heads, and nobody really understands what's going on.","start_word":6708,"end_word":6720,"sentiment":"negative","sentiment_score":-0.4321359097957611},{"text":"And you got ten, fifteen superannuation things, and then you gotta try and become Yeah. a a a specialist in the situation Mhmm. overnight. And that's Yeah. why we roll over to you guys thinking, okay. Yeah.","start_word":6721,"end_word":6757,"sentiment":"neutral","sentiment_score":-0.08527037501335144},{"text":"This is great.","start_word":6758,"end_word":6760,"sentiment":"positive","sentiment_score":0.444273978471756},{"text":"You guys have a bit of a better understanding of it than we do. Mhmm. And then Mhmm. you're like, oh, wow. 1% growth.","start_word":6761,"end_word":6784,"sentiment":"neutral","sentiment_score":-0.00631010951474309},{"text":"Fuck.","start_word":6785,"end_word":6785,"sentiment":"negative","sentiment_score":-0.4941554069519043},{"text":"Like, well, jeez. Does anyone really know what's going on? And at the same time, if you're not getting the communication right, because it's like it's what you touched on earlier where it's like when the market as a whole is seeing fluctuations. Like, during COVID, everything was fluctuating. Yep. When the war happened, everything fluctuates. So it's not like it's, like, one bad investment. It's just the market as a whole. But if Yeah. no one And that's communicates the hard and helps thing. educate, then how Mhmm. would you know? Exactly. You know? And if you're not if you're a busy mom Mhmm. or you're busy working Yes. and doing all the other things and you're not and you're trying to go screen free and keep Mhmm. scary news off the TV Yeah. in front of Yeah. small children, you're not watching Mhmm. the news every night, following the markets, and staying abreast of things that you probably would have been back in the Yes. day Yes. when and but I'm not at the moment because I don't want my kids growing up watching what's Yeah. going on and and having a fear of Yes. 100%. what's happening, etcetera. And so this and then whenever you pick up your phone, everything follows an algorithm, and so you're not necessarily Mhmm. getting Yes. the news that you wanna read anyway. And No. unless Especially you're sitting even down in front yeah. social And unless media. you Even, actually like, chat to HAP, they they tend to sometimes be biased. You know, you yeah. have to be really careful because it is very K. selective. Yeah. And so A 100%. and yeah. So I do ask you to sort of, like thanks for being patient with me and my Yeah. Of obvious course.","start_word":6786,"end_word":7088,"sentiment":"neutral","sentiment_score":-0.1596468367887409},{"text":"mistrust and slow replies and all that with wanting to read and shit.","start_word":7089,"end_word":7101,"sentiment":"negative","sentiment_score":-0.41579321026802063},{"text":"No. Yeah. I'm glad Thanks. you do. I don't want you to jump. I don't want you to just be like, yeah. Cool. Sign. Because at the same time, we also have to there's a lot of code of ethics that an adviser has to follow. And part of it is making sure that you are making an informed decision for yourself. And if I spend fifteen minutes on the phone with you and you sign something right away and don't ask me any questions whatsoever and don't give me any indication that you understand what I'm talking about, then I'm also failing because I need Yeah.","start_word":7102,"end_word":7208,"sentiment":"neutral","sentiment_score":-0.1499023139476776},{"text":"to make sure that you make the informed decision for yourself at the end of the day.","start_word":7209,"end_word":7225,"sentiment":"positive","sentiment_score":0.4395429790019989},{"text":"I think we're all just like but I think it's also just like we're only it's like with the it's like with the Internet with anything. Like, you don't actually know what's like, it's it's like a a system is only is only as good as the people people's knowledge of it and understanding Yep. of it and and practice using it. And so Mhmm.","start_word":7226,"end_word":7290,"sentiment":"neutral","sentiment_score":0.055843934416770935},{"text":"I complained about all the superannuation palaver of where of my youth and growing up, and I guess that's because everyone was learning. It's a new system.","start_word":7291,"end_word":7317,"sentiment":"negative","sentiment_score":-0.3911638855934143},{"text":"Yeah. Everyone's trying to review and revise, drill Mhmm. down, and make it better. And as it as we're getting older, we're getting better. But it's now at the age of 50, it's like going, okay. I can't just set and forget and go I'll I'll come back to Yeah. that later. I actually Yeah. need to do make some informed Yeah. decisions, and so I do Yep. actually need to put the time aside to actually read it.","start_word":7318,"end_word":7396,"sentiment":"neutral","sentiment_score":-0.04798394441604614},{"text":"I do need to make a better effort because I'm looking at, wow, that's not a really very good forecast of a $120 in ten years at the age of 60 for me. That's actually frightening. You know what I mean? I'm lucky that Craig's is a little higher, but that essentially is that is not a safe unit at all to be going into a retirement for.","start_word":7397,"end_word":7464,"sentiment":"negative","sentiment_score":-0.5216847658157349},{"text":"Yeah. Luckily Yeah. luckily, we we will you know, we're close to In a good we will position. be owning our home Mhmm. in about eight to ten years. So that Yeah. will be fine, and we can rent out the back.","start_word":7465,"end_word":7506,"sentiment":"neutral","sentiment_score":0.026326384395360947},{"text":"And I'm like, holy shit.","start_word":7507,"end_word":7511,"sentiment":"negative","sentiment_score":-0.4188465774059296},{"text":"That's that's Mhmm. not even my husband's wage for one year. Yeah. You know what I mean? Yeah.","start_word":7512,"end_word":7529,"sentiment":"neutral","sentiment_score":-0.2398160696029663},{"text":"Like so it's And kinda they're frightening they're so when we valid start because looking I at things.","start_word":7530,"end_word":7547,"sentiment":"negative","sentiment_score":-0.4119254052639008},{"text":"have so many clients in a similar situation and a lot less. And they're like, well, it wasn't a thing when I was younger. Like, it's just and it's only now, and it's like, well, now it's kind of like yeah. Like, it's never too late, but it's it's not gonna compound. It's not gonna grow as much. So, of course, Hi. it's it's you know, it it is frightening. And that's also why the little changes make a difference because, yeah, it might Yeah. not see as massive. You know, Oh, it's a huge difference. Yeah. It is. It's massive. I another do have last an thing yes. extra yeah. I will read through this, and then Yes. hopefully, you can roll into if Yeah. like, because if you're paying all the fees and everything anyway, Mhmm. then Yep. the higher to the fees, I guess, you get paid more, obviously. Oh, not you, but the business gets Yes. a greater percentage of your balance. But if the balance is larger, it's still a small percent. Do you Correct. know what I And mean? it's still growing. It's still compounding. So the more you have, the bigger the difference of the return. That the last thing I do wanna let you know, Shannon, before I let you go, which you will read through the document later, is then the change in the insurances. So like we touched on earlier, I have recommended that you cancel the income protection. That will reduce the premium to 1,635. So it does make it quite a bit cheaper. Now as an alternative in the appendix, because I know we spoke about it, but you weren't really sure, obviously, until you've spoken to Craig, is to reduce life and TPD further to just Yeah. I cover don't the mortgage. So yeah. I have Because showed you an alternative in the appendix where you have the price, and then you can go and decide what you want to do. You Okay. can speak That's to Craig, on the and appendix. you can let me Right. know. Correct.","start_word":7548,"end_word":7899,"sentiment":"neutral","sentiment_score":-0.05649200826883316},{"text":"Okay. Beautiful.","start_word":7900,"end_word":7901,"sentiment":"positive","sentiment_score":0.5194248557090759},{"text":"Now what I have done, just so that you know, is that for lie for TPD, not for life, but for TPD, if you get paid out the the benefits, then there are tax consequences as well. If you are over 60, it's tax free. If you're 60, it can be taxed for up to 22%. So Oh, this. what I have yes. So what I have done God.","start_word":7902,"end_word":7970,"sentiment":"neutral","sentiment_score":-0.05142263323068619},{"text":"for I love the it. It's like Raven Tax.","start_word":7971,"end_word":7979,"sentiment":"positive","sentiment_score":0.5159838795661926},{"text":"Pierce.","start_word":7980,"end_word":7980,"sentiment":"neutral","sentiment_score":0.25584739446640015},{"text":"Yay.","start_word":7981,"end_word":7981,"sentiment":"positive","sentiment_score":0.3634359836578369},{"text":"Oh, yeah. You've already paid for this, so we're gonna Mhmm. tax you again when you when Mhmm. you actually get any. You've only paid for this all your life, but when we pay you out, you're gonna have to pay to receive it and Pay the and tax. lose. So not Yeah. for life because as long as that gets paid through, like, your spouse, paid tax rate. The TPD, because it gets paid to you, is under 22%. So what I have done just to make sure the mortgage is covered after tax is I've grossed that up. So Okay. when Got you you. look at the quote and you see 427 and you go, well, that's not my mortgage. It's just grossed up because of the tax. So if you were to take out the policy before 60 tax come out, I want you to have left enough to pay for the mortgage. Now, Yeah. obviously, if it is you wanna reduce it further, it's there. But the choice is yours, and it is reducing it further to about $917 a year for both life and PPD. That's So it way better. Because currently, yeah. it is So so two what? Two inside. Just so, lost the yeah, page. so that is with income protection. So if you just leave it life and TPD the same and you don't make any changes, so if you leave it at 871, it's 1,635 Yeah. versus See, 9 because, like 17. because it's all like, I obviously would need a massive payout if something happens to my husband. But my husband Yeah. essentially could And continue this is his life as is yeah. and Yep. wouldn't need such a massive like, his job, Mhmm. everything. Yes. Yep. With the working away, he could essentially Yeah. have his mom or my mom live here or have an au pair and be fine, and it Yeah. would be continue Yep. on as normal. No. It would be much better for we don't actually want that to happen. Of course. But but Financially. I'm wondering Yes. no. Obviously, that's not what we want. But I'm just wondering what is the actual, like, having all those insurances in place because I'm probably the more healthy one in the relationship anyway and all those sort of things. Yes. I'm just wondering, is it how necessary is it to actually have them in there? Like like, it's only a thousand like, so 800 $900 a year is Yep. definitely it's definitely half. Let's So look that's back. a no brainer.","start_word":7982,"end_word":8415,"sentiment":"neutral","sentiment_score":-0.04039241911946422},{"text":"Yeah. We'll go ahead with that 100%.","start_word":8416,"end_word":8422,"sentiment":"positive","sentiment_score":0.4086913168430328},{"text":"Like, to reduce Yep. it pretty much as to the Yep. bare minimum to make it comfortable Yep. for him, Yeah. but And it covers the mortgage, then you don't have to worry about the mortgage. But it's also, you yep. know, if something were to happen to you. So it's it's also if something were to happen to you and you can't, you know, do anything, basically, Yes. then you might need you might need obviously, you might wanna have the mortgage paid off. But then, Yes. also, obviously, because Craig's still working, but there might be more costs associated if you needed more medical assistance, whether you needed Yeah. to make Right. modifications Okay. to the home, like, those kind of things, whether you needed more assistance for the kids, anything Is like that that. So it it's it's for there. both. Yeah. Sorry to be a pain. I know you're No. you gotta go. Just quickly No. with That's okay. what is there? And the product disclosure statement that includes the what it actually covers you for, the TBD? Because, Correct. Yes. like, because, Correct. like, what about cancer and things like all those? You know? Like, so all of that's in there for me to be able to read through what it 100 does and percent. doesn't cover you for? Sorry. Okay.","start_word":8423,"end_word":8648,"sentiment":"neutral","sentiment_score":0.030860412779338327},{"text":"The Great.","start_word":8649,"end_word":8650,"sentiment":"positive","sentiment_score":0.44844120740890503},{"text":"TCG, total permanent disability. That's why so the process goes from it's massive, but it's there for you to read as well. So you can Yeah. definitely No. That's take your time. The recommendation is still valid. Let me triple check because I'm telling you the right thing. I think it's still valid for another thirty days. okay.","start_word":8651,"end_word":8708,"sentiment":"neutral","sentiment_score":0.18608783185482025},{"text":"Great. So you have some time to think about it.","start_word":8709,"end_word":8718,"sentiment":"positive","sentiment_score":0.35906124114990234},{"text":"Obviously, Mhmm. speak to Craig as well what you wanna do. That's alright. He's home tonight, and we're gonna review Okay. all this Good. sort of stuff over the probably the next few days anyway.","start_word":8719,"end_word":8753,"sentiment":"neutral","sentiment_score":0.1476484388113022},{"text":"So doing Beautiful.","start_word":8754,"end_word":8756,"sentiment":"positive","sentiment_score":0.4328339695930481},{"text":"a bit of a financial order at the moment just along with tax and all that. You know what it's like comes to that Yes. time of year. Yes. Oh, So, yes, it is valid until the July 27. So Excellent. no Oh, pressure. no. Before Take then. your time. In the appendix, Great. like I said, you have the alternative for the insurances. Now Yep. if you guys have a read through the document, you have any other questions, just give me a call and we can book you in for a catch up. If you read through everything and you go, okay. I'm happy with it for the time being, but I would like to go ahead with that reduction of life and TTD. In the document, in the actual statement of advice, there will be a text box. Now that text box allow you to type anything. So you can type there. For example, I would prefer to reduce my life and PPD. You can type whatever you want, and that tells me that you want that option. Okay. Great. But So if you get stuck, just call me, and I can guide yeah. you to it. So is there a way that I can action that pretty much immediately and still be reading through all of the superannuation part of it? Like, how Yes. often like, is it how often What does the is that, like, a monthly installment for the or is it, like, a a a 12 monthly sort of deduction for the for you the know, pre how insurances. it's So insurances is a yearly, but what they do is they can also pro rata. So let's say, yeah. Oh, okay. when when it comes out, if you let's say, you pay for twelve months, but let's say after two two months in, you go, no. I'm reducing the cover. They will then refund you for Okay.","start_word":8757,"end_word":9080,"sentiment":"neutral","sentiment_score":0.06261739409011272},{"text":"the Great. rest of the ten months.","start_word":9081,"end_word":9087,"sentiment":"positive","sentiment_score":0.3937316834926605},{"text":"So it's not like that time sensitive Yeah. in that way No. Great. unless you That's go that's so they that's go what back I to wanted to find out. I was like, oh, shit. Have I yes. just paid? It's like you you upgrade your like, every April, Yeah. you pay your credit card for $3.95. But then it's like, if you miss it in, you know, next Yep. May, you've No. you've paid for it already for the year. You might as well wait till April before you shop around. But, you No. know what No. I mean? It's So is that not. Yes. whereabouts Good when question, will this renew? though. But no. Pardon? You can take the time. It was a very good question, though. Yeah. But no. You can take your time. So all Yeah.","start_word":9088,"end_word":9227,"sentiment":"neutral","sentiment_score":-0.029987037181854248},{"text":"Excellent. the information is there.","start_word":9228,"end_word":9232,"sentiment":"positive","sentiment_score":0.44537174701690674},{"text":"Now I will leave that with you and Craig. Would you like me to set up a time to call you back, or do you wanna just take your time, have a bit of a read over it, and then let me know how you go? And, otherwise, I'll get my colleague, Whitlam, to touch base in a couple of days Yep. just to check-in. Yeah. I I'll buzz you guys back in a couple of days, Yes. I think, Yep.","start_word":9233,"end_word":9313,"sentiment":"neutral","sentiment_score":0.16528677940368652},{"text":"sort of over Beautiful.","start_word":9314,"end_word":9317,"sentiment":"positive","sentiment_score":0.3476311266422272},{"text":"the next week before next Yep. Thursday because Craig flies out Yep. next Thursday, Yep. so we'll have discussed that. Yes. But if you haven't heard from me in by Yep. the July 20, just before this I expires, will call you. can you please chase me? Yes. Yes. Thank I you. will. I will. No Thank worries. you.","start_word":9318,"end_word":9376,"sentiment":"neutral","sentiment_score":0.0010375421557386043},{"text":"Now Cheers thank for that, you Victoria. so much, Shannon. Thank Anything you.","start_word":9377,"end_word":9389,"sentiment":"positive","sentiment_score":0.5100367665290833},{"text":"Bye. at any point in time, I just just call called me. you Okay? Victoria. No. That's fine. Everyone Thank does it. It's you. more common. So Is is that's it? fine. Okay.","start_word":9390,"end_word":9422,"sentiment":"neutral","sentiment_score":0.08050323277711868},{"text":"Thank you. All good, Bye.","start_word":9423,"end_word":9427,"sentiment":"positive","sentiment_score":0.5126627087593079},{"text":"Shannon. No worries. Bye. We'll speak Bye. soon. Bye.","start_word":9428,"end_word":9436,"sentiment":"neutral","sentiment_score":0.1226581558585167},{"text":"Thank you.","start_word":9437,"end_word":9438,"sentiment":"positive","sentiment_score":0.5041928291320801},{"text":"Bye. Bye.","start_word":9439,"end_word":9440,"sentiment":"neutral","sentiment_score":0.2118089199066162}],"average":{"sentiment":"neutral","sentiment_score":0.007112865624792252}}}}