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So I'm gonna email through your updated statement of advice. And while that's coming through, I'm just gonna do the usual security check with you. Now the calls are recorded for training and quality purposes. I'm registered with ASIC as adviser 1273105. Could you please confirm your date of birth and address? Fantastic. Now that should be coming through to you pretty quickly to your Gmail address. Will you be able to look on to the advice document with me today? That's okay. Now when you do get that email, because it is from the same system you received your annual review pack from, Just have a look down the bottom of the email, and there's a number of attachments there I wanted to walk you through first. No worries at all. I'm just gonna grab up the documents as well, and please take your time. Dokey. And if you wanna maybe have a look at your spam folder as well, unless you've already checked that. And I'm gonna actually send it from my personal email as well just in case there's a bit of a backup. Price. Financial. We were having a bit of a IT trouble yesterday, which I was hoping was resolved at the moment. So I know my laptop's a little bit slow on the Internet. Alright. Actually, that actually works out pretty well because I'm gonna send it through from my personal email address, which may take about a minute or so just because of the attachment sizes because there's so many product documents along with it. And there it's about two and a half thousand pages of extra documents that come alongside it. So I'm gonna pop this through, but I wanted to have a quick chat to you about that investment account that you sent through the the document for. Oh, yeah? Yep. Yeah. I was actually able to decipher it, and it did look really good. It was the the funny thing about it was Colonial sent it through in a very, very old format, and it's not similar to, like, a new platform where you get, like, a lovely colorful statement with tables and graphs and things like that. It's very reminiscent of the old, like, share portfolios and things like that. It did include your account number, which is perfect, your balance, and I was able to find the investment that it's in. Right. Yep. That's perfect. So I did have oh, amazing. Now is it coming through from my email address? Like, what's the subject of the email, if you don't mind me asking? Oh, perfect. So has it is it listing a signature request in the title or just Oakview statement of advice? Oh, perfect. And there should be all the purple buttons and everything? Yep. Perfect. So if you could just open up for me the statement of advice, and it should be listed as let me just get the exact name for you. So it's got today's date, and then it should just be dash statement of advice. Yep. Yep. With a nice big Gold Coast beachfront city view. Sensational. So if you scroll down to page four, we've got the scope of advice that we were talking about during your review. And, essentially, we were just giving some superannuation advice just to update your portfolio at the moment. You were already doing the salary sacrifice, which we agreed was okay. And I was having a little bit of a look at your insurances because I thought your income protection might be a bit over insured if that rings a bell. Yep. There's some interesting turn of events that happen on the insurance side I wanna walk you through and get your thoughts on. But before I do that, if you go through to the next two pages, we've basically been listing what we're not currently giving advice on. Estate planning is included because of just reminders to make sure the beneficiaries and wills and everything are up to date. And then in terms of what we're not giving advice on is we're not giving you budgeting advice towards, you know, saving for deposits and purchasing property, and we're not currently giving you a recommendation on the Colonial Investment account. K? Now does that sound right to you from our discussion? Now if you go through a little bit further, let's just go through the advice and you go through there's a limited advice warning. Just basically explaining that we're not giving advice on everything under the sun. And if any of the information we have is inaccurate, that may impact things. We've got your details after that, which is your about you section and the assets and liabilities on the next page, which is just savings, the colonial accounts, your car. And I did get your salary from the pay slip that you sent through. So I've just put in there the $95.04 $7.02 that was listed on there. Perfect. Now if you go through, you've got your Hub twenty four account. You've got your Neos insurances. And then if you go to page ten and eleven, you've got your growth risk profile. Now the first thing I wanted to note was that your personal investment account with Colonial or Commonwealth is also listed as a growth portfolio. Now I did double check the portfolio itself, and it has about 74% in growth assets, which is pretty common for a growth portfolio. Our risk profile is listing around 80 to 85, and that's kind of what we've got your super in. So they're a little bit different to each other. Your super is invested a little bit more aggressively than your colonial, but they're both pretty well similar in risk profile. K? Now if you go down a little bit further because that's one of the things I wanted to check, just making sure that you didn't have anything too high risk that you weren't aware of inside your personal account. And if you go through to probably the the wordiest part of the document, I'll summarize it for you. Page twelve and thirteen under strategy recommendations. So what I'm basically recommending is that we identified an underperforming investment within Hub twenty four, which was that. Everything else was looking really, really good. So what we've basically recommended is replace that option like for life with a better option and then just rebalance your investments back in line with that original model portfolio that we built for you. Now rebalancing essentially just means we're just trimming off the ones that have grown and buying back into the ones that have dropped. So everything's back to the you know, if you have three options that are all ten percent and one goes up to twenty and one goes down to five, we just wanna bring them all back to the the baseline. K? Now in terms of advantages and disadvantages on the next table on the next page, essentially, it's keeping everything the same, but just improving the lower feet and the performance over one, three, five, and ten years. Now the disadvantage always with Oakview portfolios is that we use a lot of ETFs, which very, very low fees, but you have to do that small purchase upfront to actually purchase the ETFs, which is like a 0.11%, and then they're very cheap going forward after that point. Now if you go down two more pages, this this will be the last two detail pages. On 15, you'll see a big investments table with a lot of red and green text on it. So all of the red ones are sell downs and all of the green ones are purchases. And, basically, the third row, you'll see the Benelon concentrated equities, which was that one that we're removing and replacing completely. Everything else is just getting reweighted back to I don't know if you can see the second last column, those flat percentages of the 4%, 4%, nine, four, four, five, six, twenty, and so on. And then at the bottom of that table, there's your new Australian shares option through a fund called Alfinity. That'll be your replacement for Benel. Yep. So everything else is just kind of a little bit of a reweight back to the round figures, and that one is the like for like sideways replacement. And then the next page just has your your minimum cash listed there as well. Last two is after that, you've got your pie chart on the asset allocation, the nice colorful pie chart there for you. And you should be able to see in the middle of that table, it says growth total, and it goes kind of 80%, 84, 84. Can you see that in the middle of the table? Yep. So that's the growth allocation I was mentioning where at Oakview, our growth portfolios are around about 80 to 85% in growth assets like shares, property, and gold, and the rest will be in your safer assets. So that's kind of perfect. And it's basically the same 84.5 versus 84.6. It's not much different to each other. And then after that, you've got a fee table which basically shows you a few $100 saved in investment fees. Can you see that fee comparison table where it has the current and recommended? Yep. Two key parts of information that I wanted to kind of bring you to is at the bottom, we have the five year performance update, which we've been along mixed in was pulling you down to about 7%, whereas in a growth portfolio, you kind of want eight to nine as an average. Yep. Now by switching that out with that alternative option and rebalancing, we bring it back up to about 11 and a half, which is well and truly above what we're aiming for. Yep. But I did come up with an interesting comparison for the insurances. So when I went through and worked back your payslip, it actually looks like that your current income protection amount is actually pretty well perfect. It's about $30 off, 70% of your income. So we were essentially just gonna keep your life, your disability, and your income protection the same. But I was able to find an insurer called Zurich who and it's one of the strangest things I've actually seen, is they're offering the exact same policy for about 65% less premiums. Normally, if I look at an alternative provider, it's about 10 to 25%, but this one was basically dropping the premiums from 1,800 to about $762 after the rebate. So I wanted to just have a it's quite large, and I actually looked at it three times to make sure it was correct because normally, like I said, the difference is 10 to 20%. And I'm like, okay. Is the occupation different? Is the health different? What's going on here? And I could not I couldn't spot any catches. So I wanted to propose it as like, hey. If you're comfortable going through the application process, I kind of wanna give it a go because that would be such a good long term savings for you. Yeah. So let me do I'll go through these last two pages on the super side, and then I wanna kind of break down the insurance recommendations. Just make sure you're comfortable with them first. So if you go down past those projections, we've got sorry. The fee table has projections after it and a performance table. This factors in continuing the salary sacrifice, the switch of the investments, and the lower premiums. It's all three mixed into one. K? So it's kind of showing a good 100 to $200,000 benefit over five to ten years, which is quite large. Conservatively speaking, I would probably say 50 to 100,000 depending on how the market goes. And can you see that there, the five and ten year projection on page 19? Yep. So that's kind of where we're thinking things are gonna end up. And once you get past that ten year mark, you'll be about six or seven years off retirement to start reducing your risk level as well. So we can kind of finish off that retirement analysis when you're a bit closer to retirement. Yep. Performance figures, it just look. It looks a lot more consistent over all time periods in the double digits underneath that. If you keep scrolling through, you'll see page 20 is your salary sacrifice, which I'm assuming is still comfortable with the the amount that you've got coming out of your pay. Yep. I haven't increased or decreased it, but I was just showing the the tax differences between doing it and not doing it. But I am recommending just to keep that going. Alright. So the one I wanted to show you is on page 23, and you should see a nice big table there listing Zurich. So when I break down this table, we have the 159,000 of life insurance and total disability. That's exactly the same that you currently have. It has a buyback option. So if you claim on your disability, it reduces your life insurance. That makes it cheaper, but then it fills it back up again. So both are identical in options. And then your income protection, we've recommended just the 70% of your income, which is about $30 different than what you currently have insured, but it's exactly the same in terms of waiting period and benefit period. So ninety day waiting period, two year benefit period, that's the same that you currently have. And you can see under there, yearly premium after rebate is $7.62. Gross premium is $8.97. And on the next page, we have the Neos premium, which is $1,888.20. Correct. Now if you go down a little bit further, you'll start seeing so, again, the best interest duty is just talking about it's more affordable for the same cover, and then there's some projections updated there just showing the impact premiums have and advantages disadvantages table. But what I wanna bring you down to is oh, no. That screenshot seems to be missing. So I did a comparison with our software that was showing Zurich having basically an identical but slightly higher feature score than your Neos policy, which basically means all of the fine print under the hood and all the little features about what you can and can't claim on. It's basically an 84 out of a 100 instead of an 83 with also the huge reduction in the premiums. So all in all, like, I just see benefit in terms of cost and quality, and I don't see any reason not to try and obtain that policy. So the question I'm gonna ask you is when you go through the underwriting process, they go through health and occupation details. In terms of your previous policy, I'm just bringing up the inception date, and just bear with me for a moment. We've got 2026 Nios schedule. It was put in place in twenty twenty one, November. So what I'm wondering is have you had any health concerns whatsoever between November 2021 and today that I kind of what I usually do is a bit of an anonymous pre assessment to make sure we don't go through all of the application process and then have them say, oh, but this has popped up, so we're gonna give you you know, you've had a knee reconstruction, and now we can't claim on the knee, but the nails does give that. Do you know what I mean? Yeah. Yep. Okay. Yep. Perfect. With the underactive thyroid, do you know if your, like, your tests and your levels are back to normal with the medication? Perfect. And when we go through the application, so we we have a specialist. His name is Jack, and he usually goes through quite in detail all of the health and occupation history. And what he'll end up asking you on that day is essentially, like, what is the medication name, what's the dosage, when was it diagnosed, and what was the readings of your last checkup. As much as you can, anything you can't answer, they'll probably just do, like, a doctor's report to check. K? Doctor's report to check. Okay? Was there anything previously before 2021, any major injuries or diagnosis that we had when we first put the in place? I just couldn't see that on the current pulse. Yep. And that's fine. I didn't see any loadings or exclusion, so it looked fine. You know, they'll check things like height and weight to make sure there's no major issues with BMI. They'll check occupation, which is pretty well office space for yourself. I don't really see any risks in the occupation there. Let me just double check. So and you're obviously not working with any kind of, like, chemicals or anything like that. Yeah. So I did wanna just, yeah, ask the question. Do you want to to try and go through and apply for that type of replacement policy and and get the premiums down? Cool. Outside of that, one thing I do have to let you know for disclosure purposes is in the in the statement of advice, we list out our current fees for the super. Whenever we do an insurance policy, whether it's through Neos, Zurich, TAL, any new applications, the insurer pays the advisers 66% of the first year's premiums for that insurance advice, and it's just paid from the insurer to the adviser. From that point, we are paid, like, a 22% trailing commission on either the Neos or the Zurich policy for managing the policy with you in terms of, like, if you have a claim, we can help you through the claims process. So I just wanted to let you know that I've updated those figures at the bottom of the document that if we were to switch over to Zurich, we would get a small upfront commission, and then the trailing commission would reduce in line with the premium. So if you could have a little look down to page 39 for me, you should see remuneration there, and it's just got it listed there to make sure you're comfortable with that too. 39 should have it's it's right down. Perfect. Right. Alright. Yeah. So there's no again, there's no kickbacks or anything from any insurer. It's just kind of standard across the industry there, but I just need to let you know that that's what we would be paid for putting that in place. Outside of that, so what I've included in the Odoo sign, that's the one with the signature request and the purple buttons and everything just like the annual review pack, is I've included a product disclosure document for both Hub twenty four because you're still holding that super fund and also one for Zurich as well, which is just everything you could ever wanna know about their policies just like the Neos one. Outside of that, if you're comfortable with it, we've also included a quote, which essentially acts as the application start point. So if you're comfortable with the quote, you would basically sign the statement of advice and the quote, and then I would book you in with Jack just to go through the application. Now I do apologize before when I sent the two emails there. I'm wondering if you actually have the the one with the subject heading signature request overview or just the overview one without that at the start. K. So what I might do is I'll give that a little bit of a resend. And if that doesn't come through, I might actually switch it over to our secondary provider, which is sign now. It's a blue one. And I might I'll send you a text if I do that. But I'm just gonna hit resend on that one. See if that one comes through. Alrighty. And I'm just having a scroll through the documents myself as well. So it goes statement of advice with an authority to proceed at the bottom. And there'll be a text box just to see if you wanna vary any of the recommendations. But if you're happy with all of them, you can just write NA in there and then a quote. Quite a long quote, unfortunately. And that's about it. I'm not sure if that signature request email is coming through at the moment or not. No. That's okay. I might try the alternative platform there. And if you accidentally get a flood of emails from both the the o do purple and the blue one, please don't sign all of them. Just do one and please let us know if they all start coming through randomly in the next half an hour. Now, Zimina, any questions on the advice so far? Are you happy with everything we've come up with? Perfect. The one other question I had was really just a courtesy question regarding the Commonwealth Colonial account is the risk level for Colonial is, again, growth, which lines up with the super. So that's all I wanted to check was making sure that you weren't in a really high risk investment inadvertently. The other thing I did wanna flag was I had a look at the growth funds that they have you in. It really does have quite a large investment fee attached to it of about 1.6%, which is about eight times as much as the portfolio that we've got your super in. The other thing was just I don't know if you feel like your account's been growing well the last few years, but the performance they list on their website was about 1.5% returns over the last five years, which quite quite low in comparison to what you're aiming for for a growth portfolio. So I did just wanna flag it with you as an observation. Yeah. If at any point you would like investment advice, like, we do do investment accounts, even Hub twenty four offers investment accounts that link up to your super fund, and there's things like that. So if you would like to do that over the next couple of months or even in a year's time, I can do a full review of that investment, maybe look at some alternative investments, alternative providers, if that's something that you you would like. Yep. Is that something that you want me to kind of go over with you over the next quarter, or do you wanna kinda just let it go for a little while? What would be your preference? Yep. Yeah. So what I'm thinking is I will get a third party authority form drawn up with you that account number that you've sent us, and then we will basically just send that through to Commonwealth, get a full breakdown of all fees, performance, and details of the investments, and then we'll start doing some research and comparisons. When I come back after leave, then we'll have a bit of an updated discussion after that just to kind of get a bit of a game plan together. Yep. Now before I let you go with that account, is that something that you're putting regular investments into, or is it mainly just kind of growing on its own? K. How much would that be for? Yep. 100 per month. And it was around about 77,000 in balance at the moment. Yep. So what I'll do, I I don't wanna kind of overwhelm with too many things because it can be a lot of applications and forms and documents and conversations, and we're already at a bit of a limit now. So what I wanna do is I'll get you booked in for that Zurich application. So, hopefully, that get that sorted for you. We will as soon as we get the signed documents for this advice back, we will jump on to Hub and switch your investments around. We'll send through that third party authority so we can research the Commonwealth. And then when I get back, we'll just have a little bit of an updated chat about risk levels for the personal account and options, you know, fees for advice, what we can do in terms of small versus large platforms, and just kind of have a bit of a refresh chat about what you can and can't do. And then once you give me some direction from there, I'll update your advice to include the investment account. Wonderful. Any questions for me before I let you go? Cool. As long as it makes sense, that's the most important thing because I know these these documents can get very wording heavy, and we're throwing a lot of jargon around as long as you know what we're doing and why. Perfect. So from here, is there a good day and time to go through that insurance application with Jack? Ideally, if possible, I'm thinking, like, Monday next week if you can, but any day that you can, we will make available. Yep. Yep. Perfect. So I'll put in a note on the account that the first week of July is a bit of a block out for contact. And then I'm thinking would you prefer morning or afternoon? Yep. And there's no daylight savings now. Thank gosh. So it's about eleven thirty two over there, which is nice. That always throws me. Perfect. So what I can do yeah. Sometimes I bounce around where it's like different states and there's four different conversations. Someone's in WA, someone's in South Australia, and I'm usually pretty quick at it, but sometimes you miss it up, and I don't like setting up the wrong appointment time. We do have quite a bit of availability Monday morning at around 09:30, if that works for you. Yeah. The June 8. Perfect. So I'll put it in tentatively for 09:30 on the June 8 in the morning. And if you have any trouble at all, just contact the team and and let them know, and we'll send you a bit of a reminder text there as well. And then after that so I'll get that alternative email sent out with the statement of advice, and I'll include that third party authority as well. If you have any trouble with all of these emails I'm sending you, please just contact the team, and and they'll help you fix it up. Awesome, Zimina. I really appreciate your time this morning. Really excited to get a few things going for you. But do you have any questions before I let you go? Thank you so much. I'm very much looking forward to it, and I'll I'll talk to you again when I get back. Thank you. 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morning, It's Tommy here from. How have you been? I'm doing absolutely fantastic. Very excited to speak to you this morning. Do you still have time for that advice discussion?\n\nAmazing. So I'm gonna email through your updated statement of advice. And while that's coming through, I'm just gonna do the usual security check with you. Now the calls are recorded for training and quality purposes. I'm registered with ASIC as adviser 1273105.\n\nCould you please confirm your date of birth and address? Fantastic. Now that should be coming through to you pretty quickly to your Gmail address. Will you be able to look on to the advice document with me today? That's okay.\n\nNow when you do get that email, because it is from the same system you received your annual review pack from, Just have a look down the bottom of the email, and there's a number of attachments there I wanted to walk you through first. No worries at all. I'm just gonna grab up the documents as well, and please take your time. Dokey. And if you wanna maybe have a look at your spam folder as well, unless you've already checked that.\n\nAnd I'm gonna actually send it from my personal email as well just in case there's a bit of a backup. Price. Financial. We were having a bit of a IT trouble yesterday, which I was hoping was resolved at the moment. So I know my laptop's a little bit slow on the Internet.\n\nAlright. Actually, that actually works out pretty well because I'm gonna send it through from my personal email address, which may take about a minute or so just because of the attachment sizes because there's so many product documents along with it. And there it's about two and a half thousand pages of extra documents that come alongside it. So I'm gonna pop this through, but I wanted to have a quick chat to you about that investment account that you sent through the the document for. Oh, yeah?\n\nYep. Yeah. I was actually able to decipher it, and it did look really good. It was the the funny thing about it was Colonial sent it through in a very, very old format, and it's not similar to, like, a new platform where you get, like, a lovely colorful statement with tables and graphs and things like that. It's very reminiscent of the old, like, share portfolios and things like that.\n\nIt did include your account number, which is perfect, your balance, and I was able to find the investment that it's in. Right. Yep. That's perfect. So I did have oh, amazing.\n\nNow is it coming through from my email address? Like, what's the subject of the email, if you don't mind me asking? Oh, perfect. So has it is it listing a signature request in the title or just Oakview statement of advice? Oh, perfect.\n\nAnd there should be all the purple buttons and everything? Yep. Perfect. So if you could just open up for me the statement of advice, and it should be listed as let me just get the exact name for you. So it's got today's date, and then it should just be dash statement of advice.\n\nYep. Yep. With a nice big Gold Coast beachfront city view. Sensational. So if you scroll down to page four, we've got the scope of advice that we were talking about during your review.\n\nAnd, essentially, we were just giving some superannuation advice just to update your portfolio at the moment. You were already doing the salary sacrifice, which we agreed was okay. And I was having a little bit of a look at your insurances because I thought your income protection might be a bit over insured if that rings a bell. Yep. There's some interesting turn of events that happen on the insurance side I wanna walk you through and get your thoughts on.\n\nBut before I do that, if you go through to the next two pages, we've basically been listing what we're not currently giving advice on. Estate planning is included because of just reminders to make sure the beneficiaries and wills and everything are up to date. And then in terms of what we're not giving advice on is we're not giving you budgeting advice towards, you know, saving for deposits and purchasing property, and we're not currently giving you a recommendation on the Colonial Investment account. K? Now does that sound right to you from our discussion?\n\nNow if you go through a little bit further, let's just go through the advice and you go through there's a limited advice warning. Just basically explaining that we're not giving advice on everything under the sun. And if any of the information we have is inaccurate, that may impact things. We've got your details after that, which is your about you section and the assets and liabilities on the next page, which is just savings, the colonial accounts, your car. And I did get your salary from the pay slip that you sent through.\n\nSo I've just put in there the $95.04 $7.02 that was listed on there. Perfect. Now if you go through, you've got your Hub twenty four account. You've got your Neos insurances. And then if you go to page ten and eleven, you've got your growth risk profile.\n\nNow the first thing I wanted to note was that your personal investment account with Colonial or Commonwealth is also listed as a growth portfolio. Now I did double check the portfolio itself, and it has about 74% in growth assets, which is pretty common for a growth portfolio. Our risk profile is listing around 80 to 85, and that's kind of what we've got your super in. So they're a little bit different to each other. Your super is invested a little bit more aggressively than your colonial, but they're both pretty well similar in risk profile.\n\nK? Now if you go down a little bit further because that's one of the things I wanted to check, just making sure that you didn't have anything too high risk that you weren't aware of inside your personal account. And if you go through to probably the the wordiest part of the document, I'll summarize it for you. Page twelve and thirteen under strategy recommendations. So what I'm basically recommending is that we identified an underperforming investment within Hub twenty four, which was that.\n\nEverything else was looking really, really good. So what we've basically recommended is replace that option like for life with a better option and then just rebalance your investments back in line with that original model portfolio that we built for you. Now rebalancing essentially just means we're just trimming off the ones that have grown and buying back into the ones that have dropped. So everything's back to the you know, if you have three options that are all ten percent and one goes up to twenty and one goes down to five, we just wanna bring them all back to the the baseline. K?\n\nNow in terms of advantages and disadvantages on the next table on the next page, essentially, it's keeping everything the same, but just improving the lower feet and the performance over one, three, five, and ten years. Now the disadvantage always with Oakview portfolios is that we use a lot of ETFs, which very, very low fees, but you have to do that small purchase upfront to actually purchase the ETFs, which is like a 0.11%, and then they're very cheap going forward after that point. Now if you go down two more pages, this this will be the last two detail pages. On 15, you'll see a big investments table with a lot of red and green text on it. So all of the red ones are sell downs and all of the green ones are purchases.\n\nAnd, basically, the third row, you'll see the Benelon concentrated equities, which was that one that we're removing and replacing completely. Everything else is just getting reweighted back to I don't know if you can see the second last column, those flat percentages of the 4%, 4%, nine, four, four, five, six, twenty, and so on. And then at the bottom of that table, there's your new Australian shares option through a fund called Alfinity. That'll be your replacement for Benel. Yep.\n\nSo everything else is just kind of a little bit of a reweight back to the round figures, and that one is the like for like sideways replacement. And then the next page just has your your minimum cash listed there as well. Last two is after that, you've got your pie chart on the asset allocation, the nice colorful pie chart there for you. And you should be able to see in the middle of that table, it says growth total, and it goes kind of 80%, 84, 84. Can you see that in the middle of the table?\n\nYep. So that's the growth allocation I was mentioning where at Oakview, our growth portfolios are around about 80 to 85% in growth assets like shares, property, and gold, and the rest will be in your safer assets. So that's kind of perfect. And it's basically the same 84.5 versus 84.6. It's not much different to each other.\n\nAnd then after that, you've got a fee table which basically shows you a few $100 saved in investment fees. Can you see that fee comparison table where it has the current and recommended? Yep. Two key parts of information that I wanted to kind of bring you to is at the bottom, we have the five year performance update, which we've been along mixed in was pulling you down to about 7%, whereas in a growth portfolio, you kind of want eight to nine as an average. Yep.\n\nNow by switching that out with that alternative option and rebalancing, we bring it back up to about 11 and a half, which is well and truly above what we're aiming for. Yep. But I did come up with an interesting comparison for the insurances. So when I went through and worked back your payslip, it actually looks like that your current income protection amount is actually pretty well perfect. It's about $30 off, 70% of your income.\n\nSo we were essentially just gonna keep your life, your disability, and your income protection the same. But I was able to find an insurer called Zurich who and it's one of the strangest things I've actually seen, is they're offering the exact same policy for about 65% less premiums. Normally, if I look at an alternative provider, it's about 10 to 25%, but this one was basically dropping the premiums from 1,800 to about $762 after the rebate. So I wanted to just have a it's quite large, and I actually looked at it three times to make sure it was correct because normally, like I said, the difference is 10 to 20%. And I'm like, okay.\n\nIs the occupation different? Is the health different? What's going on here? And I could not I couldn't spot any catches. So I wanted to propose it as like, hey.\n\nIf you're comfortable going through the application process, I kind of wanna give it a go because that would be such a good long term savings for you. Yeah. So let me do I'll go through these last two pages on the super side, and then I wanna kind of break down the insurance recommendations. Just make sure you're comfortable with them first. So if you go down past those projections, we've got sorry.\n\nThe fee table has projections after it and a performance table. This factors in continuing the salary sacrifice, the switch of the investments, and the lower premiums. It's all three mixed into one. K? So it's kind of showing a good 100 to $200,000 benefit over five to ten years, which is quite large.\n\nConservatively speaking, I would probably say 50 to 100,000 depending on how the market goes. And can you see that there, the five and ten year projection on page 19? Yep. So that's kind of where we're thinking things are gonna end up. And once you get past that ten year mark, you'll be about six or seven years off retirement to start reducing your risk level as well.\n\nSo we can kind of finish off that retirement analysis when you're a bit closer to retirement. Yep. Performance figures, it just look. It looks a lot more consistent over all time periods in the double digits underneath that. If you keep scrolling through, you'll see page 20 is your salary sacrifice, which I'm assuming is still comfortable with the the amount that you've got coming out of your pay.\n\nYep. I haven't increased or decreased it, but I was just showing the the tax differences between doing it and not doing it. But I am recommending just to keep that going. Alright. So the one I wanted to show you is on page 23, and you should see a nice big table there listing Zurich.\n\nSo when I break down this table, we have the 159,000 of life insurance and total disability. That's exactly the same that you currently have. It has a buyback option. So if you claim on your disability, it reduces your life insurance. That makes it cheaper, but then it fills it back up again.\n\nSo both are identical in options. And then your income protection, we've recommended just the 70% of your income, which is about $30 different than what you currently have insured, but it's exactly the same in terms of waiting period and benefit period. So ninety day waiting period, two year benefit period, that's the same that you currently have. And you can see under there, yearly premium after rebate is $7.62. Gross premium is $8.97.\n\nAnd on the next page, we have the Neos premium, which is $1,888.20. Correct. Now if you go down a little bit further, you'll start seeing so, again, the best interest duty is just talking about it's more affordable for the same cover, and then there's some projections updated there just showing the impact premiums have and advantages disadvantages table. But what I wanna bring you down to is oh, no. That screenshot seems to be missing.\n\nSo I did a comparison with our software that was showing Zurich having basically an identical but slightly higher feature score than your Neos policy, which basically means all of the fine print under the hood and all the little features about what you can and can't claim on. It's basically an 84 out of a 100 instead of an 83 with also the huge reduction in the premiums. So all in all, like, I just see benefit in terms of cost and quality, and I don't see any reason not to try and obtain that policy. So the question I'm gonna ask you is when you go through the underwriting process, they go through health and occupation details. In terms of your previous policy, I'm just bringing up the inception date, and just bear with me for a moment.\n\nWe've got 2026 Nios schedule. It was put in place in twenty twenty one, November. So what I'm wondering is have you had any health concerns whatsoever between November 2021 and today that I kind of what I usually do is a bit of an anonymous pre assessment to make sure we don't go through all of the application process and then have them say, oh, but this has popped up, so we're gonna give you you know, you've had a knee reconstruction, and now we can't claim on the knee, but the nails does give that. Do you know what I mean? Yeah.\n\nYep. Okay. Yep. Perfect. With the underactive thyroid, do you know if your, like, your tests and your levels are back to normal with the medication?\n\nPerfect. And when we go through the application, so we we have a specialist. His name is Jack, and he usually goes through quite in detail all of the health and occupation history. And what he'll end up asking you on that day is essentially, like, what is the medication name, what's the dosage, when was it diagnosed, and what was the readings of your last checkup. As much as you can, anything you can't answer, they'll probably just do, like, a doctor's report to check.\n\nK? Doctor's report to check. Okay? Was there anything previously before 2021, any major injuries or diagnosis that we had when we first put the in place? I just couldn't see that on the current pulse.\n\nYep. And that's fine. I didn't see any loadings or exclusion, so it looked fine. You know, they'll check things like height and weight to make sure there's no major issues with BMI. They'll check occupation, which is pretty well office space for yourself.\n\nI don't really see any risks in the occupation there. Let me just double check. So and you're obviously not working with any kind of, like, chemicals or anything like that. Yeah. So I did wanna just, yeah, ask the question.\n\nDo you want to to try and go through and apply for that type of replacement policy and and get the premiums down? Cool. Outside of that, one thing I do have to let you know for disclosure purposes is in the in the statement of advice, we list out our current fees for the super. Whenever we do an insurance policy, whether it's through Neos, Zurich, TAL, any new applications, the insurer pays the advisers 66% of the first year's premiums for that insurance advice, and it's just paid from the insurer to the adviser. From that point, we are paid, like, a 22% trailing commission on either the Neos or the Zurich policy for managing the policy with you in terms of, like, if you have a claim, we can help you through the claims process.\n\nSo I just wanted to let you know that I've updated those figures at the bottom of the document that if we were to switch over to Zurich, we would get a small upfront commission, and then the trailing commission would reduce in line with the premium. So if you could have a little look down to page 39 for me, you should see remuneration there, and it's just got it listed there to make sure you're comfortable with that too. 39 should have it's it's right down. Perfect. Right.\n\nAlright. Yeah. So there's no again, there's no kickbacks or anything from any insurer. It's just kind of standard across the industry there, but I just need to let you know that that's what we would be paid for putting that in place. Outside of that, so what I've included in the Odoo sign, that's the one with the signature request and the purple buttons and everything just like the annual review pack, is I've included a product disclosure document for both Hub twenty four because you're still holding that super fund and also one for Zurich as well, which is just everything you could ever wanna know about their policies just like the Neos one.\n\nOutside of that, if you're comfortable with it, we've also included a quote, which essentially acts as the application start point. So if you're comfortable with the quote, you would basically sign the statement of advice and the quote, and then I would book you in with Jack just to go through the application. Now I do apologize before when I sent the two emails there. I'm wondering if you actually have the the one with the subject heading signature request overview or just the overview one without that at the start. K.\n\nSo what I might do is I'll give that a little bit of a resend. And if that doesn't come through, I might actually switch it over to our secondary provider, which is sign now. It's a blue one. And I might I'll send you a text if I do that. But I'm just gonna hit resend on that one.\n\nSee if that one comes through. Alrighty. And I'm just having a scroll through the documents myself as well. So it goes statement of advice with an authority to proceed at the bottom. And there'll be a text box just to see if you wanna vary any of the recommendations.\n\nBut if you're happy with all of them, you can just write NA in there and then a quote. Quite a long quote, unfortunately. And that's about it. I'm not sure if that signature request email is coming through at the moment or not. No.\n\nThat's okay. I might try the alternative platform there. And if you accidentally get a flood of emails from both the the o do purple and the blue one, please don't sign all of them. Just do one and please let us know if they all start coming through randomly in the next half an hour. Now, Zimina, any questions on the advice so far?\n\nAre you happy with everything we've come up with? Perfect. The one other question I had was really just a courtesy question regarding the Commonwealth Colonial account is the risk level for Colonial is, again, growth, which lines up with the super. So that's all I wanted to check was making sure that you weren't in a really high risk investment inadvertently. The other thing I did wanna flag was I had a look at the growth funds that they have you in.\n\nIt really does have quite a large investment fee attached to it of about 1.6%, which is about eight times as much as the portfolio that we've got your super in. The other thing was just I don't know if you feel like your account's been growing well the last few years, but the performance they list on their website was about 1.5% returns over the last five years, which quite quite low in comparison to what you're aiming for for a growth portfolio. So I did just wanna flag it with you as an observation. Yeah. If at any point you would like investment advice, like, we do do investment accounts, even Hub twenty four offers investment accounts that link up to your super fund, and there's things like that.\n\nSo if you would like to do that over the next couple of months or even in a year's time, I can do a full review of that investment, maybe look at some alternative investments, alternative providers, if that's something that you you would like. Yep. Is that something that you want me to kind of go over with you over the next quarter, or do you wanna kinda just let it go for a little while? What would be your preference? Yep.\n\nYeah. So what I'm thinking is I will get a third party authority form drawn up with you that account number that you've sent us, and then we will basically just send that through to Commonwealth, get a full breakdown of all fees, performance, and details of the investments, and then we'll start doing some research and comparisons. When I come back after leave, then we'll have a bit of an updated discussion after that just to kind of get a bit of a game plan together. Yep. Now before I let you go with that account, is that something that you're putting regular investments into, or is it mainly just kind of growing on its own?\n\nK. How much would that be for? Yep. 100 per month. And it was around about 77,000 in balance at the moment.\n\nYep. So what I'll do, I I don't wanna kind of overwhelm with too many things because it can be a lot of applications and forms and documents and conversations, and we're already at a bit of a limit now. So what I wanna do is I'll get you booked in for that Zurich application. So, hopefully, that get that sorted for you. We will as soon as we get the signed documents for this advice back, we will jump on to Hub and switch your investments around.\n\nWe'll send through that third party authority so we can research the Commonwealth. And then when I get back, we'll just have a little bit of an updated chat about risk levels for the personal account and options, you know, fees for advice, what we can do in terms of small versus large platforms, and just kind of have a bit of a refresh chat about what you can and can't do. And then once you give me some direction from there, I'll update your advice to include the investment account. Wonderful. Any questions for me before I let you go?\n\nCool. As long as it makes sense, that's the most important thing because I know these these documents can get very wording heavy, and we're throwing a lot of jargon around as long as you know what we're doing and why. Perfect. So from here, is there a good day and time to go through that insurance application with Jack? Ideally, if possible, I'm thinking, like, Monday next week if you can, but any day that you can, we will make available.\n\nYep. Yep. Perfect. So I'll put in a note on the account that the first week of July is a bit of a block out for contact. And then I'm thinking would you prefer morning or afternoon?\n\nYep. And there's no daylight savings now. Thank gosh. So it's about eleven thirty two over there, which is nice. That always throws me.\n\nPerfect. So what I can do yeah. Sometimes I bounce around where it's like different states and there's four different conversations. Someone's in WA, someone's in South Australia, and I'm usually pretty quick at it, but sometimes you miss it up, and I don't like setting up the wrong appointment time. We do have quite a bit of availability Monday morning at around 09:30, if that works for you.\n\nYeah. The June 8. Perfect. So I'll put it in tentatively for 09:30 on the June 8 in the morning. And if you have any trouble at all, just contact the team and and let them know, and we'll send you a bit of a reminder text there as well.\n\nAnd then after that so I'll get that alternative email sent out with the statement of advice, and I'll include that third party authority as well. If you have any trouble with all of these emails I'm sending you, please just contact the team, and and they'll help you fix it up. Awesome, Zimina. I really appreciate your time this morning. Really excited to get a few things going for you.\n\nBut do you have any questions before I let you go? Thank you so much. I'm very much looking forward to it, and I'll I'll talk to you again when I get back. Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Good morning, It's Tommy here from.","start":1.8399999,"end":4.1,"sentiment":"neutral","sentiment_score":0.24482694268226624},{"text":"How have you been?","start":4.16,"end":5.06,"sentiment":"neutral","sentiment_score":0.15100493654608727},{"text":"I'm doing absolutely fantastic.","start":6.8799996,"end":8.66,"sentiment":"positive","sentiment_score":0.7515487670898438},{"text":"Very excited to speak to you this morning.","start":8.88,"end":10.8,"sentiment":"positive","sentiment_score":0.7440392598509789},{"text":"Do you still have time for that advice discussion?","start":10.8,"end":13.38,"sentiment":"neutral","sentiment_score":0.21073290788465077}],"sentiment":"positive","sentiment_score":0.4170350554970003,"num_words":31,"start":1.8399999,"end":13.38},{"sentences":[{"text":"Amazing.","start":15.915,"end":16.315,"sentiment":"positive","sentiment_score":0.6029937267303467},{"text":"So I'm gonna email through your updated statement of advice.","start":16.315,"end":19.295,"sentiment":"neutral","sentiment_score":0.18707981258630751},{"text":"And while that's coming through, I'm just gonna do the usual security check with you.","start":19.595001,"end":24.494999,"sentiment":"neutral","sentiment_score":0.05814793879787127},{"text":"Now the calls are recorded for training and quality purposes.","start":25.93,"end":29.470001,"sentiment":"neutral","sentiment_score":0.018814393505454063},{"text":"I'm registered with ASIC as adviser 1273105.","start":29.61,"end":33.55,"sentiment":"neutral","sentiment_score":0.033172895067504475}],"sentiment":"neutral","sentiment_score":0.08758988686252472,"num_words":43,"start":15.915,"end":33.55},{"sentences":[{"text":"Could you please confirm your date of birth and address?","start":33.61,"end":36.67,"sentiment":"neutral","sentiment_score":0.01816466134041548},{"text":"Fantastic.","start":45.784996,"end":46.284996,"sentiment":"positive","sentiment_score":0.5866544246673584},{"text":"Now that should be coming through to you pretty quickly to your Gmail address.","start":46.585,"end":50.684998,"sentiment":"positive","sentiment_score":0.3621362234864916},{"text":"Will you be able to look on to the advice document with me today?","start":50.745,"end":53.52,"sentiment":"neutral","sentiment_score":0.11999746571694102},{"text":"That's okay.","start":58.48,"end":59.38,"sentiment":"neutral","sentiment_score":0.07468753680586815}],"sentiment":"neutral","sentiment_score":0.18701336001295868,"num_words":41,"start":33.61,"end":59.38},{"sentences":[{"text":"Now when you do get that email, because it is from the same system you received your annual review pack from, Just have a look down the bottom of the email, and there's a number of attachments there I wanted to walk you through first.","start":59.52,"end":71.705,"sentiment":"neutral","sentiment_score":0.04414298207395607},{"text":"No worries at all.","start":74.805,"end":75.525,"sentiment":"neutral","sentiment_score":0.03156905248761177},{"text":"I'm just gonna grab up the documents as well, and please take your time.","start":75.525,"end":79.545006,"sentiment":"neutral","sentiment_score":0.039594772537904124},{"text":"Dokey.","start":104.5,"end":105.0,"sentiment":"neutral","sentiment_score":-0.03836245834827423},{"text":"And if you wanna maybe have a look at your spam folder as well, unless you've already checked that.","start":106.659996,"end":111.32,"sentiment":"neutral","sentiment_score":-0.0459233632213191}],"sentiment":"neutral","sentiment_score":0.021158203123563743,"num_words":83,"start":59.52,"end":111.32},{"sentences":[{"text":"And I'm gonna actually send it from my personal email as well just in case there's a bit of a backup.","start":120.034996,"end":126.455,"sentiment":"neutral","sentiment_score":0.021775089913890475},{"text":"Price.","start":129.89,"end":130.39,"sentiment":"neutral","sentiment_score":-0.028930973261594772},{"text":"Financial.","start":130.45001,"end":130.95001,"sentiment":"neutral","sentiment_score":-0.08209438621997833},{"text":"We were having a bit of a IT trouble yesterday, which I was hoping was resolved at the moment.","start":135.33,"end":140.79001,"sentiment":"neutral","sentiment_score":-0.19743250545702482},{"text":"So I know my laptop's a little bit slow on the Internet.","start":140.85,"end":144.115,"sentiment":"neutral","sentiment_score":-0.2580033664902051}],"sentiment":"neutral","sentiment_score":-0.120389008756589,"num_words":54,"start":120.034996,"end":144.115},{"sentences":[{"text":"Alright.","start":156.67,"end":157.17,"sentiment":"neutral","sentiment_score":-0.02715234272181988},{"text":"Actually, that actually works out pretty well because I'm gonna send it through from my personal email address, which may take about a minute or so just because of the attachment sizes because there's so many product documents along with it.","start":158.91,"end":171.905,"sentiment":"neutral","sentiment_score":0.2877564219439902},{"text":"And there it's about two and a half thousand pages of extra documents that come alongside it.","start":171.965,"end":177.425,"sentiment":"neutral","sentiment_score":0.13359292552751653},{"text":"So I'm gonna pop this through, but I wanted to have a quick chat to you about that investment account that you sent through the the document for.","start":177.645,"end":184.86,"sentiment":"neutral","sentiment_score":0.12494059652090073},{"text":"Oh, yeah?","start":189.72,"end":190.54,"sentiment":"neutral","sentiment_score":0.0369593370705843}],"sentiment":"neutral","sentiment_score":0.19791231536714549,"num_words":89,"start":156.67,"end":190.54},{"sentences":[{"text":"Yep.","start":197.33499,"end":197.83499,"sentiment":"neutral","sentiment_score":0.014429207891225817},{"text":"Yeah.","start":207.03,"end":207.26999,"sentiment":"neutral","sentiment_score":0.061251819133758545},{"text":"I was actually able to decipher it, and it did look really good.","start":207.26999,"end":211.20999,"sentiment":"neutral","sentiment_score":0.20586756989359856},{"text":"It was the the funny thing about it was Colonial sent it through in a very, very old format, and it's not similar to, like, a new platform where you get, like, a lovely colorful statement with tables and graphs and things like that.","start":212.54999,"end":227.075,"sentiment":"neutral","sentiment_score":0.09572773098691621},{"text":"It's very reminiscent of the old, like, share portfolios and things like that.","start":227.075,"end":233.095,"sentiment":"neutral","sentiment_score":0.06881545584362286}],"sentiment":"neutral","sentiment_score":0.10914695173657189,"num_words":72,"start":197.33499,"end":233.095},{"sentences":[{"text":"It did include your account number, which is perfect, your balance, and I was able to find the investment that it's in.","start":234.1,"end":241.08,"sentiment":"positive","sentiment_score":0.36277205361561343},{"text":"Right.","start":256.915,"end":257.415,"sentiment":"neutral","sentiment_score":-0.03519119322299957},{"text":"Yep.","start":265.09,"end":265.59,"sentiment":"neutral","sentiment_score":0.10056870430707932},{"text":"That's perfect.","start":269.65,"end":270.45,"sentiment":"positive","sentiment_score":0.5404244661331177},{"text":"So I did have oh, amazing.","start":270.45,"end":273.875,"sentiment":"neutral","sentiment_score":0.2485458143055439}],"sentiment":"neutral","sentiment_score":0.33182770339772105,"num_words":32,"start":234.1,"end":273.875},{"sentences":[{"text":"Now is it coming through from my email address?","start":273.875,"end":277.095,"sentiment":"neutral","sentiment_score":0.12628343370225695},{"text":"Like, what's the subject of the email, if you don't mind me asking?","start":277.155,"end":280.45502,"sentiment":"neutral","sentiment_score":0.039201631533125274},{"text":"Oh, perfect.","start":282.755,"end":283.315,"sentiment":"positive","sentiment_score":0.47291843593120575},{"text":"So has it is it listing a signature request in the title or just Oakview statement of advice?","start":283.315,"end":288.47,"sentiment":"neutral","sentiment_score":0.1269899354212814},{"text":"Oh, perfect.","start":290.85,"end":291.33002,"sentiment":"positive","sentiment_score":0.4449123740196228}],"sentiment":"neutral","sentiment_score":0.13108301297126507,"num_words":44,"start":273.875,"end":291.33002},{"sentences":[{"text":"And there should be all the purple buttons and everything?","start":291.33002,"end":293.59,"sentiment":"neutral","sentiment_score":0.04067419208586216},{"text":"Yep.","start":303.26498,"end":303.745,"sentiment":"neutral","sentiment_score":0.2439996600151062},{"text":"Perfect.","start":303.745,"end":304.245,"sentiment":"positive","sentiment_score":0.5211868286132812},{"text":"So if you could just open up for me the statement of advice, and it should be listed as let me just get the exact name for you.","start":304.305,"end":311.66,"sentiment":"neutral","sentiment_score":0.2055586576461792},{"text":"So it's got today's date, and then it should just be dash statement of advice.","start":311.66,"end":316.32,"sentiment":"neutral","sentiment_score":0.09896859228610992}],"sentiment":"neutral","sentiment_score":0.15294726741584866,"num_words":55,"start":291.33002,"end":316.32},{"sentences":[{"text":"Yep.","start":316.94,"end":317.44,"sentiment":"neutral","sentiment_score":0.057816192507743835},{"text":"Yep.","start":317.5,"end":317.74002,"sentiment":"neutral","sentiment_score":0.05526142567396164},{"text":"With a nice big Gold Coast beachfront city view.","start":317.74002,"end":320.96002,"sentiment":"neutral","sentiment_score":0.1446982187529405},{"text":"Sensational.","start":321.74002,"end":322.24002,"sentiment":"neutral","sentiment_score":0.05192078277468681},{"text":"So if you scroll down to page four, we've got the scope of advice that we were talking about during your review.","start":323.715,"end":330.295,"sentiment":"neutral","sentiment_score":0.027212864803996952}],"sentiment":"neutral","sentiment_score":0.06076368810061146,"num_words":34,"start":316.94,"end":330.295},{"sentences":[{"text":"And, essentially, we were just giving some superannuation advice just to update your portfolio at the moment.","start":333.795,"end":339.43002,"sentiment":"neutral","sentiment_score":-0.009051568723995896},{"text":"You were already doing the salary sacrifice, which we agreed was okay.","start":339.57,"end":343.27002,"sentiment":"neutral","sentiment_score":-0.04677276903142532},{"text":"And I was having a little bit of a look at your insurances because I thought your income protection might be a bit over insured if that rings a bell.","start":343.65002,"end":350.835,"sentiment":"neutral","sentiment_score":-0.10691042306522529},{"text":"Yep.","start":353.555,"end":354.055,"sentiment":"neutral","sentiment_score":0.06191864237189293},{"text":"There's some interesting turn of events that happen on the insurance side I wanna walk you through and get your thoughts on.","start":354.35498,"end":359.395,"sentiment":"neutral","sentiment_score":0.04820922965353185}],"sentiment":"neutral","sentiment_score":-0.03414562065722194,"num_words":82,"start":333.795,"end":359.395},{"sentences":[{"text":"But before I do that, if you go through to the next two pages, we've basically been listing what we're not currently giving advice on.","start":359.395,"end":366.95,"sentiment":"neutral","sentiment_score":-0.01195001688785851},{"text":"Estate planning is included because of just reminders to make sure the beneficiaries and wills and everything are up to date.","start":367.25,"end":373.83,"sentiment":"neutral","sentiment_score":0.06490349219668479},{"text":"And then in terms of what we're not giving advice on is we're not giving you budgeting advice towards, you know, saving for deposits and purchasing property, and we're not currently giving you a recommendation on the Colonial Investment account.","start":374.93,"end":388.95502,"sentiment":"neutral","sentiment_score":-0.2960295809432864},{"text":"K?","start":391.11,"end":391.50998,"sentiment":"neutral","sentiment_score":0.03788658231496811},{"text":"Now does that sound right to you from our discussion?","start":391.50998,"end":394.88998,"sentiment":"neutral","sentiment_score":0.10259828567504883}],"sentiment":"neutral","sentiment_score":-0.10013495757455755,"num_words":97,"start":359.395,"end":394.88998},{"sentences":[{"text":"Now if you go through a little bit further, let's just go through the advice and you go through there's a limited advice warning.","start":396.31,"end":403.61,"sentiment":"neutral","sentiment_score":-0.06232715304940939},{"text":"Just basically explaining that we're not giving advice on everything under the sun.","start":403.925,"end":407.525,"sentiment":"neutral","sentiment_score":-0.227878036407324},{"text":"And if any of the information we have is inaccurate, that may impact things.","start":407.525,"end":411.305,"sentiment":"neutral","sentiment_score":-0.2831656922187124},{"text":"We've got your details after that, which is your about you section and the assets and liabilities on the next page, which is just savings, the colonial accounts, your car.","start":413.685,"end":423.97,"sentiment":"neutral","sentiment_score":-0.025676248222589494},{"text":"And I did get your salary from the pay slip that you sent through.","start":424.83,"end":428.27,"sentiment":"neutral","sentiment_score":0.04673970424171005}],"sentiment":"neutral","sentiment_score":-0.08987913078775531,"num_words":95,"start":396.31,"end":428.27},{"sentences":[{"text":"So I've just put in there the $95.04 $7.02 that was listed on there.","start":428.27,"end":433.215,"sentiment":"neutral","sentiment_score":0.055240556065525324},{"text":"Perfect.","start":434.815,"end":435.29498,"sentiment":"positive","sentiment_score":0.5339081287384033},{"text":"Now if you go through, you've got your Hub twenty four account.","start":435.29498,"end":438.335,"sentiment":"neutral","sentiment_score":0.16306362487375736},{"text":"You've got your Neos insurances.","start":438.335,"end":439.955,"sentiment":"neutral","sentiment_score":0.08266346156597137},{"text":"And then if you go to page ten and eleven, you've got your growth risk profile.","start":440.655,"end":444.835,"sentiment":"neutral","sentiment_score":0.023110959096811712}],"sentiment":"neutral","sentiment_score":0.08431525136499356,"num_words":48,"start":428.27,"end":444.835},{"sentences":[{"text":"Now the first thing I wanted to note was that your personal investment account with Colonial or Commonwealth is also listed as a growth portfolio.","start":446.43002,"end":455.09,"sentiment":"neutral","sentiment_score":0.026286611557006834},{"text":"Now I did double check the portfolio itself, and it has about 74% in growth assets, which is pretty common for a growth portfolio.","start":456.83002,"end":467.035,"sentiment":"neutral","sentiment_score":0.03657594074805578},{"text":"Our risk profile is listing around 80 to 85, and that's kind of what we've got your super in.","start":467.815,"end":473.99,"sentiment":"neutral","sentiment_score":-0.023726994588382934},{"text":"So they're a little bit different to each other.","start":473.99,"end":476.47,"sentiment":"neutral","sentiment_score":-0.059745299733347364},{"text":"Your super is invested a little bit more aggressively than your colonial, but they're both pretty well similar in risk profile.","start":476.47,"end":483.61,"sentiment":"neutral","sentiment_score":-0.012899612093211285}],"sentiment":"neutral","sentiment_score":0.0028119940626701073,"num_words":98,"start":446.43002,"end":483.61},{"sentences":[{"text":"K?","start":485.285,"end":485.765,"sentiment":"neutral","sentiment_score":0.0013443361967802048},{"text":"Now if you go down a little bit further because that's one of the things I wanted to check, just making sure that you didn't have anything too high risk that you weren't aware of inside your personal account.","start":485.765,"end":494.825,"sentiment":"neutral","sentiment_score":-0.1117281600450858},{"text":"And if you go through to probably the the wordiest part of the document, I'll summarize it for you.","start":496.25998,"end":501.13998,"sentiment":"neutral","sentiment_score":0.05003465819907816},{"text":"Page twelve and thirteen under strategy recommendations.","start":501.13998,"end":503.72,"sentiment":"neutral","sentiment_score":0.01757397609097617},{"text":"So what I'm basically recommending is that we identified an underperforming investment within Hub twenty four, which was that.","start":505.86,"end":513.395,"sentiment":"neutral","sentiment_score":-0.006802780896817383}],"sentiment":"neutral","sentiment_score":-0.04013682828449151,"num_words":85,"start":485.285,"end":513.395},{"sentences":[{"text":"Everything else was looking really, really good.","start":514.015,"end":516.175,"sentiment":"positive","sentiment_score":0.3424897406782423},{"text":"So what we've basically recommended is replace that option like for life with a better option and then just rebalance your investments back in line with that original model portfolio that we built for you.","start":516.175,"end":528.54004,"sentiment":"neutral","sentiment_score":0.20884781777858735},{"text":"Now rebalancing essentially just means we're just trimming off the ones that have grown and buying back into the ones that have dropped.","start":530.92,"end":537.08,"sentiment":"neutral","sentiment_score":0.107417073910651},{"text":"So everything's back to the you know, if you have three options that are all ten percent and one goes up to twenty and one goes down to five, we just wanna bring them all back to the the baseline.","start":537.08,"end":545.885,"sentiment":"neutral","sentiment_score":0.2319228734821081},{"text":"K?","start":547.385,"end":547.885,"sentiment":"neutral","sentiment_score":0.08256781846284866}],"sentiment":"neutral","sentiment_score":0.20318091759141885,"num_words":106,"start":514.015,"end":547.885},{"sentences":[{"text":"Now in terms of advantages and disadvantages on the next table on the next page, essentially, it's keeping everything the same, but just improving the lower feet and the performance over one, three, five, and ten years.","start":548.425,"end":564.06,"sentiment":"neutral","sentiment_score":0.13652933278196566},{"text":"Now the disadvantage always with Oakview portfolios is that we use a lot of ETFs, which very, very low fees, but you have to do that small purchase upfront to actually purchase the ETFs, which is like a 0.11%, and then they're very cheap going forward after that point.","start":566.295,"end":583.84,"sentiment":"neutral","sentiment_score":-0.15698150347690193},{"text":"Now if you go down two more pages, this this will be the last two detail pages.","start":586.7,"end":592.32,"sentiment":"neutral","sentiment_score":0.034276929519632286},{"text":"On 15, you'll see a big investments table with a lot of red and green text on it.","start":592.635,"end":597.85504,"sentiment":"neutral","sentiment_score":0.05243109063141876},{"text":"So all of the red ones are sell downs and all of the green ones are purchases.","start":599.91504,"end":604.815,"sentiment":"neutral","sentiment_score":0.06587226645034902}],"sentiment":"neutral","sentiment_score":0.000041939169708369434,"num_words":138,"start":548.425,"end":604.815},{"sentences":[{"text":"And, basically, the third row, you'll see the Benelon concentrated equities, which was that one that we're removing and replacing completely.","start":605.23,"end":611.97003,"sentiment":"neutral","sentiment_score":0.03807887972964506},{"text":"Everything else is just getting reweighted back to I don't know if you can see the second last column, those flat percentages of the 4%, 4%, nine, four, four, five, six, twenty, and so on.","start":613.87,"end":625.825,"sentiment":"neutral","sentiment_score":0.05197539695405534},{"text":"And then at the bottom of that table, there's your new Australian shares option through a fund called Alfinity.","start":625.825,"end":632.245,"sentiment":"neutral","sentiment_score":0.08315414347146687},{"text":"That'll be your replacement for Benel.","start":632.545,"end":635.81,"sentiment":"neutral","sentiment_score":0.10509681453307469},{"text":"Yep.","start":638.27,"end":638.59,"sentiment":"neutral","sentiment_score":0.21121180057525635}],"sentiment":"neutral","sentiment_score":0.06146971684690315,"num_words":82,"start":605.23,"end":638.59},{"sentences":[{"text":"So everything else is just kind of a little bit of a reweight back to the round figures, and that one is the like for like sideways replacement.","start":638.59,"end":645.89,"sentiment":"neutral","sentiment_score":0.10911269885088716},{"text":"And then the next page just has your your minimum cash listed there as well.","start":646.19,"end":650.055,"sentiment":"neutral","sentiment_score":0.07836408937970797},{"text":"Last two is after that, you've got your pie chart on the asset allocation, the nice colorful pie chart there for you.","start":652.535,"end":659.995,"sentiment":"neutral","sentiment_score":0.1870856833728877},{"text":"And you should be able to see in the middle of that table, it says growth total, and it goes kind of 80%, 84, 84.","start":660.375,"end":668.25,"sentiment":"neutral","sentiment_score":0.12147479966282844},{"text":"Can you see that in the middle of the table?","start":668.25,"end":670.19,"sentiment":"neutral","sentiment_score":0.03512626327574253}],"sentiment":"neutral","sentiment_score":0.11734634567052125,"num_words":100,"start":638.59,"end":670.19},{"sentences":[{"text":"Yep.","start":672.09,"end":672.49005,"sentiment":"neutral","sentiment_score":0.15703170001506803},{"text":"So that's the growth allocation I was mentioning where at Oakview, our growth portfolios are around about 80 to 85% in growth assets like shares, property, and gold, and the rest will be in your safer assets.","start":672.49005,"end":685.575,"sentiment":"neutral","sentiment_score":0.14979151495405146},{"text":"So that's kind of perfect.","start":685.875,"end":688.595,"sentiment":"neutral","sentiment_score":0.24276546835899354},{"text":"And it's basically the same 84.5 versus 84.6.","start":688.595,"end":691.955,"sentiment":"neutral","sentiment_score":0.19253753311932087},{"text":"It's not much different to each other.","start":691.955,"end":693.81,"sentiment":"neutral","sentiment_score":0.058957425611359734}],"sentiment":"neutral","sentiment_score":0.15286460929903492,"num_words":58,"start":672.09,"end":693.81},{"sentences":[{"text":"And then after that, you've got a fee table which basically shows you a few $100 saved in investment fees.","start":693.89,"end":701.11,"sentiment":"neutral","sentiment_score":0.16488662958145142},{"text":"Can you see that fee comparison table where it has the current and recommended?","start":701.17,"end":704.95,"sentiment":"neutral","sentiment_score":0.16816590513501847},{"text":"Yep.","start":710.705,"end":711.10504,"sentiment":"neutral","sentiment_score":0.10541345924139024},{"text":"Two key parts of information that I wanted to kind of bring you to is at the bottom, we have the five year performance update, which we've been along mixed in was pulling you down to about 7%, whereas in a growth portfolio, you kind of want eight to nine as an average.","start":711.10504,"end":725.58,"sentiment":"neutral","sentiment_score":-0.06591330820097113},{"text":"Yep.","start":728.44,"end":728.76,"sentiment":"neutral","sentiment_score":-0.03890576958656311}],"sentiment":"neutral","sentiment_score":0.02500177099463645,"num_words":89,"start":693.89,"end":728.76},{"sentences":[{"text":"Now by switching that out with that alternative option and rebalancing, we bring it back up to about 11 and a half, which is well and truly above what we're aiming for.","start":728.76,"end":737.18,"sentiment":"positive","sentiment_score":0.46259299758821726},{"text":"Yep.","start":738.575,"end":739.075,"sentiment":"positive","sentiment_score":0.3983771204948426},{"text":"But I did come up with an interesting comparison for the insurances.","start":740.65497,"end":744.115,"sentiment":"neutral","sentiment_score":0.21435449396570525},{"text":"So when I went through and worked back your payslip, it actually looks like that your current income protection amount is actually pretty well perfect.","start":744.255,"end":752.83496,"sentiment":"positive","sentiment_score":0.33726333975791933},{"text":"It's about $30 off, 70% of your income.","start":752.99,"end":757.00995,"sentiment":"neutral","sentiment_score":0.271522780880332}],"sentiment":"positive","sentiment_score":0.36381247066534483,"num_words":78,"start":728.76,"end":757.00995},{"sentences":[{"text":"So we were essentially just gonna keep your life, your disability, and your income protection the same.","start":758.67,"end":763.73,"sentiment":"neutral","sentiment_score":0.2707815336830476},{"text":"But I was able to find an insurer called Zurich who and it's one of the strangest things I've actually seen, is they're offering the exact same policy for about 65% less premiums.","start":765.23,"end":777.21497,"sentiment":"neutral","sentiment_score":0.15649122993151346},{"text":"Normally, if I look at an alternative provider, it's about 10 to 25%, but this one was basically dropping the premiums from 1,800 to about $762 after the rebate.","start":777.83496,"end":790.29,"sentiment":"neutral","sentiment_score":0.02522427209749304},{"text":"So I wanted to just have a it's quite large, and I actually looked at it three times to make sure it was correct because normally, like I said, the difference is 10 to 20%.","start":791.07,"end":801.495,"sentiment":"neutral","sentiment_score":-0.0034500849566289358},{"text":"And I'm like, okay.","start":801.495,"end":802.055,"sentiment":"neutral","sentiment_score":0.0014801560901105404}],"sentiment":"neutral","sentiment_score":0.08800142544116508,"num_words":118,"start":758.67,"end":802.055},{"sentences":[{"text":"Is the occupation different?","start":802.055,"end":803.17505,"sentiment":"neutral","sentiment_score":-0.03104517376050353},{"text":"Is the health different?","start":803.17505,"end":804.055,"sentiment":"neutral","sentiment_score":-0.04718103725463152},{"text":"What's going on here?","start":804.055,"end":805.275,"sentiment":"neutral","sentiment_score":-0.02832723455503583},{"text":"And I could not I couldn't spot any catches.","start":805.335,"end":808.87,"sentiment":"neutral","sentiment_score":-0.0708182044327259},{"text":"So I wanted to propose it as like, hey.","start":809.08997,"end":810.93,"sentiment":"neutral","sentiment_score":0.09185363849004109}],"sentiment":"neutral","sentiment_score":-0.007896495858828227,"num_words":30,"start":802.055,"end":810.93},{"sentences":[{"text":"If you're comfortable going through the application process, I kind of wanna give it a go because that would be such a good long term savings for you.","start":810.93,"end":818.625,"sentiment":"neutral","sentiment_score":0.2369620164058038},{"text":"Yeah.","start":833.52,"end":833.92004,"sentiment":"neutral","sentiment_score":0.031162582337856293},{"text":"So let me do I'll go through these last two pages on the super side, and then I wanna kind of break down the insurance recommendations.","start":833.92004,"end":839.7,"sentiment":"neutral","sentiment_score":0.11477350902098876},{"text":"Just make sure you're comfortable with them first.","start":839.76,"end":841.94,"sentiment":"neutral","sentiment_score":0.12425470910966396},{"text":"So if you go down past those projections, we've got sorry.","start":842.815,"end":846.895,"sentiment":"neutral","sentiment_score":0.01667950844222849}],"sentiment":"neutral","sentiment_score":0.1463205748917283,"num_words":74,"start":810.93,"end":846.895},{"sentences":[{"text":"The fee table has projections after it and a performance table.","start":846.895,"end":850.67505,"sentiment":"neutral","sentiment_score":-0.017105771736665207},{"text":"This factors in continuing the salary sacrifice, the switch of the investments, and the lower premiums.","start":851.05505,"end":858.29,"sentiment":"neutral","sentiment_score":0.05356006417423487},{"text":"It's all three mixed into one.","start":858.29,"end":860.23,"sentiment":"neutral","sentiment_score":0.014577177353203297},{"text":"K?","start":861.08997,"end":861.56995,"sentiment":"neutral","sentiment_score":0.027938976883888245},{"text":"So it's kind of showing a good 100 to $200,000 benefit over five to ten years, which is quite large.","start":861.56995,"end":867.67,"sentiment":"neutral","sentiment_score":0.198387011885643}],"sentiment":"neutral","sentiment_score":0.08799888548889646,"num_words":54,"start":846.895,"end":867.67},{"sentences":[{"text":"Conservatively speaking, I would probably say 50 to 100,000 depending on how the market goes.","start":868.735,"end":873.875,"sentiment":"neutral","sentiment_score":0.07770903259515763},{"text":"And can you see that there, the five and ten year projection on page 19?","start":876.255,"end":879.95496,"sentiment":"neutral","sentiment_score":0.05248861288030942},{"text":"Yep.","start":885.79,"end":886.26996,"sentiment":"neutral","sentiment_score":0.15013428032398224},{"text":"So that's kind of where we're thinking things are gonna end up.","start":886.26996,"end":889.17,"sentiment":"neutral","sentiment_score":0.12866225900749365},{"text":"And once you get past that ten year mark, you'll be about six or seven years off retirement to start reducing your risk level as well.","start":889.63,"end":897.345,"sentiment":"neutral","sentiment_score":0.03346438405032341}],"sentiment":"neutral","sentiment_score":0.06546550805585971,"num_words":69,"start":868.735,"end":897.345},{"sentences":[{"text":"So we can kind of finish off that retirement analysis when you're a bit closer to retirement.","start":897.485,"end":902.545,"sentiment":"neutral","sentiment_score":0.012799043810981162},{"text":"Yep.","start":903.565,"end":904.065,"sentiment":"neutral","sentiment_score":0.2478939592838287},{"text":"Performance figures, it just look.","start":905.26,"end":906.94,"sentiment":"neutral","sentiment_score":0.2622350066900253},{"text":"It looks a lot more consistent over all time periods in the double digits underneath that.","start":906.94,"end":911.76,"sentiment":"neutral","sentiment_score":0.21288658864796162},{"text":"If you keep scrolling through, you'll see page 20 is your salary sacrifice, which I'm assuming is still comfortable with the the amount that you've got coming out of your pay.","start":912.46,"end":922.16504,"sentiment":"neutral","sentiment_score":0.08455129292222761}],"sentiment":"neutral","sentiment_score":0.11148468909252968,"num_words":70,"start":897.485,"end":922.16504},{"sentences":[{"text":"Yep.","start":926.705,"end":927.025,"sentiment":"neutral","sentiment_score":0.27792906761169434},{"text":"I haven't increased or decreased it, but I was just showing the the tax differences between doing it and not doing it.","start":927.025,"end":933.71,"sentiment":"neutral","sentiment_score":0.018651808019388805},{"text":"But I am recommending just to keep that going.","start":933.71,"end":935.89,"sentiment":"neutral","sentiment_score":0.16504878633552128},{"text":"Alright.","start":937.47003,"end":937.87006,"sentiment":"neutral","sentiment_score":0.19352874159812927},{"text":"So the one I wanted to show you is on page 23, and you should see a nice big table there listing Zurich.","start":937.87006,"end":946.305,"sentiment":"neutral","sentiment_score":0.2462516060989836}],"sentiment":"neutral","sentiment_score":0.1434111357666552,"num_words":56,"start":926.705,"end":946.305},{"sentences":[{"text":"So when I break down this table, we have the 159,000 of life insurance and total disability.","start":948.44495,"end":954.065,"sentiment":"neutral","sentiment_score":0.08434290241669207},{"text":"That's exactly the same that you currently have.","start":954.285,"end":956.61,"sentiment":"neutral","sentiment_score":0.16780881118029356},{"text":"It has a buyback option.","start":957.97,"end":959.32996,"sentiment":"neutral","sentiment_score":0.1178012028336525},{"text":"So if you claim on your disability, it reduces your life insurance.","start":959.32996,"end":962.93,"sentiment":"neutral","sentiment_score":0.13081750770409903},{"text":"That makes it cheaper, but then it fills it back up again.","start":962.93,"end":965.25,"sentiment":"neutral","sentiment_score":0.16049550659954548}],"sentiment":"neutral","sentiment_score":0.1270567040062613,"num_words":54,"start":948.44495,"end":965.25},{"sentences":[{"text":"So both are identical in options.","start":965.25,"end":967.91,"sentiment":"neutral","sentiment_score":0.20357138166824976},{"text":"And then your income protection, we've recommended just the 70% of your income, which is about $30 different than what you currently have insured, but it's exactly the same in terms of waiting period and benefit period.","start":969.505,"end":983.92004,"sentiment":"neutral","sentiment_score":0.11732832724983627},{"text":"So ninety day waiting period, two year benefit period, that's the same that you currently have.","start":984.14,"end":989.04004,"sentiment":"neutral","sentiment_score":0.15469452412799},{"text":"And you can see under there, yearly premium after rebate is $7.62.","start":990.30005,"end":994.32,"sentiment":"neutral","sentiment_score":0.04215876137216886},{"text":"Gross premium is $8.97.","start":994.685,"end":996.705,"sentiment":"neutral","sentiment_score":0.034317098557949066}],"sentiment":"neutral","sentiment_score":0.11574483086665471,"num_words":75,"start":965.25,"end":996.705},{"sentences":[{"text":"And on the next page, we have the Neos premium, which is $1,888.20.","start":996.925,"end":1003.02496,"sentiment":"neutral","sentiment_score":0.02957178408709856},{"text":"Correct.","start":1006.86,"end":1007.36,"sentiment":"neutral","sentiment_score":-0.13798901438713074},{"text":"Now if you go down a little bit further, you'll start seeing so, again, the best interest duty is just talking about it's more affordable for the same cover, and then there's some projections updated there just showing the impact premiums have and advantages disadvantages table.","start":1009.18,"end":1025.245,"sentiment":"neutral","sentiment_score":0.1084461172475763},{"text":"But what I wanna bring you down to is oh, no.","start":1025.245,"end":1029.965,"sentiment":"neutral","sentiment_score":-0.11979627168991348},{"text":"That screenshot seems to be missing.","start":1029.965,"end":1031.405,"sentiment":"neutral","sentiment_score":-0.3276555836200714}],"sentiment":"neutral","sentiment_score":0.025341208854859524,"num_words":77,"start":996.925,"end":1031.405},{"sentences":[{"text":"So I did a comparison with our software that was showing Zurich having basically an identical but slightly higher feature score than your Neos policy, which basically means all of the fine print under the hood and all the little features about what you can and can't claim on.","start":1031.405,"end":1048.035,"sentiment":"neutral","sentiment_score":0.00800906836378331},{"text":"It's basically an 84 out of a 100 instead of an 83 with also the huge reduction in the premiums.","start":1048.115,"end":1054.535,"sentiment":"neutral","sentiment_score":0.04344205390661955},{"text":"So all in all, like, I just see benefit in terms of cost and quality, and I don't see any reason not to try and obtain that policy.","start":1056.675,"end":1066.16,"sentiment":"neutral","sentiment_score":0.07303690298327378},{"text":"So the question I'm gonna ask you is when you go through the underwriting process, they go through health and occupation details.","start":1071.18,"end":1077.92,"sentiment":"neutral","sentiment_score":0.07554933801293373},{"text":"In terms of your previous policy, I'm just bringing up the inception date, and just bear with me for a moment.","start":1079.635,"end":1086.535,"sentiment":"neutral","sentiment_score":-0.004156935073080517}],"sentiment":"neutral","sentiment_score":0.03486506079456636,"num_words":140,"start":1031.405,"end":1086.535},{"sentences":[{"text":"We've got 2026 Nios schedule.","start":1087.555,"end":1090.615,"sentiment":"neutral","sentiment_score":0.039636917784810065},{"text":"It was put in place in twenty twenty one, November.","start":1092.61,"end":1095.83,"sentiment":"neutral","sentiment_score":0.033376116491854194},{"text":"So what I'm wondering is have you had any health concerns whatsoever between November 2021 and today that I kind of what I usually do is a bit of an anonymous pre assessment to make sure we don't go through all of the application process and then have them say, oh, but this has popped up, so we're gonna give you you know, you've had a knee reconstruction, and now we can't claim on the knee, but the nails does give that.","start":1096.61,"end":1120.636,"sentiment":"neutral","sentiment_score":-0.06443411500261324},{"text":"Do you know what I mean?","start":1120.636,"end":1125.4401,"sentiment":"neutral","sentiment_score":-0.019193170592188835},{"text":"Yeah.","start":1132.635,"end":1133.135,"sentiment":"neutral","sentiment_score":-0.051129210740327835}],"sentiment":"neutral","sentiment_score":-0.04728788375639571,"num_words":104,"start":1087.555,"end":1133.135},{"sentences":[{"text":"Yep.","start":1141.035,"end":1141.535,"sentiment":"neutral","sentiment_score":-0.10263091325759888},{"text":"Okay.","start":1148.5701,"end":1149.0701,"sentiment":"neutral","sentiment_score":-0.08628113567829132},{"text":"Yep.","start":1154.49,"end":1154.65,"sentiment":"neutral","sentiment_score":0.1566152423620224},{"text":"Perfect.","start":1154.65,"end":1155.15,"sentiment":"positive","sentiment_score":0.4226217567920685},{"text":"With the underactive thyroid, do you know if your, like, your tests and your levels are back to normal with the medication?","start":1155.6901,"end":1163.975,"sentiment":"neutral","sentiment_score":0.09321158497848293}],"sentiment":"neutral","sentiment_score":0.09388383922095482,"num_words":26,"start":1141.035,"end":1163.975},{"sentences":[{"text":"Perfect.","start":1172.0499,"end":1172.45,"sentiment":"positive","sentiment_score":0.5643729567527771},{"text":"And when we go through the application, so we we have a specialist.","start":1172.45,"end":1176.13,"sentiment":"neutral","sentiment_score":0.1443028260882084},{"text":"His name is Jack, and he usually goes through quite in detail all of the health and occupation history.","start":1176.13,"end":1183.11,"sentiment":"neutral","sentiment_score":0.055744553867139314},{"text":"And what he'll end up asking you on that day is essentially, like, what is the medication name, what's the dosage, when was it diagnosed, and what was the readings of your last checkup.","start":1183.405,"end":1194.145,"sentiment":"neutral","sentiment_score":-0.0007208707453066702},{"text":"As much as you can, anything you can't answer, they'll probably just do, like, a doctor's report to check.","start":1194.845,"end":1197.735,"sentiment":"neutral","sentiment_score":-0.16615415815460055}],"sentiment":"neutral","sentiment_score":0.0036978791755499577,"num_words":86,"start":1172.0499,"end":1197.735},{"sentences":[{"text":"K?","start":1197.735,"end":1198.235,"sentiment":"neutral","sentiment_score":-0.06232256442308426},{"text":"Doctor's report to check.","start":1199.24,"end":1200.54,"sentiment":"neutral","sentiment_score":-0.09833905473351479},{"text":"Okay?","start":1202.52,"end":1203.02,"sentiment":"neutral","sentiment_score":-0.06985897570848465},{"text":"Was there anything previously before 2021, any major injuries or diagnosis that we had when we first put the in place?","start":1204.2001,"end":1212.12,"sentiment":"neutral","sentiment_score":-0.1540826672599429},{"text":"I just couldn't see that on the current pulse.","start":1212.12,"end":1214.685,"sentiment":"negative","sentiment_score":-0.3422674569818709}],"sentiment":"neutral","sentiment_score":-0.19004669123225743,"num_words":36,"start":1197.735,"end":1214.685},{"sentences":[{"text":"Yep.","start":1217.9651,"end":1218.285,"sentiment":"neutral","sentiment_score":-0.03560412675142288},{"text":"And that's fine.","start":1218.285,"end":1219.005,"sentiment":"neutral","sentiment_score":0.037994363655646644},{"text":"I didn't see any loadings or exclusion, so it looked fine.","start":1219.005,"end":1223.1051,"sentiment":"neutral","sentiment_score":-0.04501516456631097},{"text":"You know, they'll check things like height and weight to make sure there's no major issues with BMI.","start":1224.765,"end":1229.185,"sentiment":"neutral","sentiment_score":0.0038665331279238067},{"text":"They'll check occupation, which is pretty well office space for yourself.","start":1229.805,"end":1235.32,"sentiment":"neutral","sentiment_score":-0.0018135309219360352}],"sentiment":"neutral","sentiment_score":-0.008344070223922079,"num_words":44,"start":1217.9651,"end":1235.32},{"sentences":[{"text":"I don't really see any risks in the occupation there.","start":1235.32,"end":1237.98,"sentiment":"neutral","sentiment_score":-0.18522485345602036},{"text":"Let me just double check.","start":1240.84,"end":1242.6,"sentiment":"neutral","sentiment_score":-0.014127848297357559},{"text":"So and you're obviously not working with any kind of, like, chemicals or anything like that.","start":1242.6,"end":1249.405,"sentiment":"neutral","sentiment_score":-0.2242630124092102},{"text":"Yeah.","start":1251.305,"end":1251.625,"sentiment":"neutral","sentiment_score":-0.08245234191417694},{"text":"So I did wanna just, yeah, ask the question.","start":1251.625,"end":1253.865,"sentiment":"neutral","sentiment_score":-0.011632068703571955}],"sentiment":"neutral","sentiment_score":-0.1389813886546507,"num_words":41,"start":1235.32,"end":1253.865},{"sentences":[{"text":"Do you want to to try and go through and apply for that type of replacement policy and and get the premiums down?","start":1253.865,"end":1262.53,"sentiment":"neutral","sentiment_score":0.00217055205417716},{"text":"Cool.","start":1262.53,"end":1263.03,"sentiment":"neutral","sentiment_score":0.31668621301651},{"text":"Outside of that, one thing I do have to let you know for disclosure purposes is in the in the statement of advice, we list out our current fees for the super.","start":1263.7301,"end":1275.5249,"sentiment":"neutral","sentiment_score":0.03450660337693989},{"text":"Whenever we do an insurance policy, whether it's through Neos, Zurich, TAL, any new applications, the insurer pays the advisers 66% of the first year's premiums for that insurance advice, and it's just paid from the insurer to the adviser.","start":1275.9049,"end":1292.49,"sentiment":"neutral","sentiment_score":0.04309153603389859},{"text":"From that point, we are paid, like, a 22% trailing commission on either the Neos or the Zurich policy for managing the policy with you in terms of, like, if you have a claim, we can help you through the claims process.","start":1293.83,"end":1308.125,"sentiment":"neutral","sentiment_score":0.15030935051895322}],"sentiment":"neutral","sentiment_score":0.06889474189475826,"num_words":138,"start":1253.865,"end":1308.125},{"sentences":[{"text":"So I just wanted to let you know that I've updated those figures at the bottom of the document that if we were to switch over to Zurich, we would get a small upfront commission, and then the trailing commission would reduce in line with the premium.","start":1308.265,"end":1322.31,"sentiment":"neutral","sentiment_score":0.1629409891493777},{"text":"So if you could have a little look down to page 39 for me, you should see remuneration there, and it's just got it listed there to make sure you're comfortable with that too.","start":1322.77,"end":1333.525,"sentiment":"neutral","sentiment_score":0.17727280008223126},{"text":"39 should have it's it's right down.","start":1343.36,"end":1347.86,"sentiment":"neutral","sentiment_score":0.055669043213129044},{"text":"Perfect.","start":1354.575,"end":1355.075,"sentiment":"positive","sentiment_score":0.618460476398468},{"text":"Right.","start":1358.015,"end":1358.515,"sentiment":"neutral","sentiment_score":0.3204754590988159}],"sentiment":"neutral","sentiment_score":0.16682356589784225,"num_words":90,"start":1308.265,"end":1358.515},{"sentences":[{"text":"Alright.","start":1360.735,"end":1361.0549,"sentiment":"neutral","sentiment_score":0.25604158639907837},{"text":"Yeah.","start":1361.0549,"end":1361.2949,"sentiment":"neutral","sentiment_score":0.26974058151245117},{"text":"So there's no again, there's no kickbacks or anything from any insurer.","start":1361.2949,"end":1364.82,"sentiment":"neutral","sentiment_score":0.13300266085813442},{"text":"It's just kind of standard across the industry there, but I just need to let you know that that's what we would be paid for putting that in place.","start":1364.82,"end":1371.8,"sentiment":"neutral","sentiment_score":0.31206058479588605},{"text":"Outside of that, so what I've included in the Odoo sign, that's the one with the signature request and the purple buttons and everything just like the annual review pack, is I've included a product disclosure document for both Hub twenty four because you're still holding that super fund and also one for Zurich as well, which is just everything you could ever wanna know about their policies just like the Neos one.","start":1374.5,"end":1398.25,"sentiment":"neutral","sentiment_score":0.1490520469538153}],"sentiment":"neutral","sentiment_score":0.19010664211136513,"num_words":116,"start":1360.735,"end":1398.25},{"sentences":[{"text":"Outside of that, if you're comfortable with it, we've also included a quote, which essentially acts as the application start point.","start":1400.5499,"end":1408.73,"sentiment":"neutral","sentiment_score":0.2198584491298312},{"text":"So if you're comfortable with the quote, you would basically sign the statement of advice and the quote, and then I would book you in with Jack just to go through the application.","start":1409.035,"end":1418.095,"sentiment":"neutral","sentiment_score":0.20466080466003128},{"text":"Now I do apologize before when I sent the two emails there.","start":1426.33,"end":1430.83,"sentiment":"neutral","sentiment_score":-0.14098102723558745},{"text":"I'm wondering if you actually have the the one with the subject heading signature request overview or just the overview one without that at the start.","start":1431.05,"end":1439.915,"sentiment":"neutral","sentiment_score":-0.06976461582458936},{"text":"K.","start":1446.55,"end":1446.79,"sentiment":"neutral","sentiment_score":-0.01592368073761463}],"sentiment":"neutral","sentiment_score":0.08440062329573657,"num_words":93,"start":1400.5499,"end":1446.79},{"sentences":[{"text":"So what I might do is I'll give that a little bit of a resend.","start":1446.79,"end":1450.01,"sentiment":"neutral","sentiment_score":0.00017613681654135387},{"text":"And if that doesn't come through, I might actually switch it over to our secondary provider, which is sign now.","start":1450.55,"end":1458.63,"sentiment":"neutral","sentiment_score":-0.0026432731188833713},{"text":"It's a blue one.","start":1458.63,"end":1459.77,"sentiment":"neutral","sentiment_score":0.005343194701708853},{"text":"And I might I'll send you a text if I do that.","start":1460.475,"end":1462.875,"sentiment":"neutral","sentiment_score":0.07107099269827206},{"text":"But I'm just gonna hit resend on that one.","start":1462.875,"end":1466.815,"sentiment":"neutral","sentiment_score":0.04337454835573832}],"sentiment":"neutral","sentiment_score":0.020239536937636634,"num_words":60,"start":1446.79,"end":1466.815},{"sentences":[{"text":"See if that one comes through.","start":1469.115,"end":1470.815,"sentiment":"neutral","sentiment_score":0.07279116349915664},{"text":"Alrighty.","start":1476.73,"end":1477.23,"sentiment":"neutral","sentiment_score":0.3027942180633545},{"text":"And I'm just having a scroll through the documents myself as well.","start":1479.37,"end":1481.77,"sentiment":"neutral","sentiment_score":0.2401289865374565},{"text":"So it goes statement of advice with an authority to proceed at the bottom.","start":1481.77,"end":1484.99,"sentiment":"neutral","sentiment_score":0.14713965569223678},{"text":"And there'll be a text box just to see if you wanna vary any of the recommendations.","start":1486.455,"end":1491.195,"sentiment":"neutral","sentiment_score":0.12818618644686305}],"sentiment":"neutral","sentiment_score":0.15720418773591519,"num_words":50,"start":1469.115,"end":1491.195},{"sentences":[{"text":"But if you're happy with all of them, you can just write NA in there and then a quote.","start":1491.415,"end":1498.235,"sentiment":"neutral","sentiment_score":0.17042849016816994},{"text":"Quite a long quote, unfortunately.","start":1499.76,"end":1501.3,"sentiment":"negative","sentiment_score":-0.5436946094036103},{"text":"And that's about it.","start":1503.28,"end":1504.7401,"sentiment":"negative","sentiment_score":-0.4484248384833336},{"text":"I'm not sure if that signature request email is coming through at the moment or not.","start":1505.04,"end":1509.8601,"sentiment":"negative","sentiment_score":-0.4529902767390013},{"text":"No.","start":1512.8949,"end":1513.215,"sentiment":"negative","sentiment_score":-0.33864954113960266}],"sentiment":"neutral","sentiment_score":-0.1969005568159951,"num_words":45,"start":1491.415,"end":1513.215},{"sentences":[{"text":"That's okay.","start":1513.215,"end":1514.0349,"sentiment":"neutral","sentiment_score":-0.2659219801425934},{"text":"I might try the alternative platform there.","start":1514.095,"end":1516.835,"sentiment":"neutral","sentiment_score":-0.0948547614472253},{"text":"And if you accidentally get a flood of emails from both the the o do purple and the blue one, please don't sign all of them.","start":1517.0549,"end":1525.2,"sentiment":"neutral","sentiment_score":-0.21733911965902036},{"text":"Just do one and please let us know if they all start coming through randomly in the next half an hour.","start":1525.2,"end":1530.82,"sentiment":"neutral","sentiment_score":-0.020785679065045855},{"text":"Now, Zimina, any questions on the advice so far?","start":1533.52,"end":1536.32,"sentiment":"neutral","sentiment_score":0.2483985705508126}],"sentiment":"neutral","sentiment_score":-0.07765471579936835,"num_words":65,"start":1513.215,"end":1536.32},{"sentences":[{"text":"Are you happy with everything we've come up with?","start":1536.32,"end":1538.325,"sentiment":"neutral","sentiment_score":0.3113979266749488},{"text":"Perfect.","start":1541.5249,"end":1542.0249,"sentiment":"positive","sentiment_score":0.6406542062759399},{"text":"The one other question I had was really just a courtesy question regarding the Commonwealth Colonial account is the risk level for Colonial is, again, growth, which lines up with the super.","start":1542.245,"end":1556.1901,"sentiment":"neutral","sentiment_score":-0.017420530086383224},{"text":"So that's all I wanted to check was making sure that you weren't in a really high risk investment inadvertently.","start":1556.1901,"end":1562.6901,"sentiment":"neutral","sentiment_score":-0.21152282692492008},{"text":"The other thing I did wanna flag was I had a look at the growth funds that they have you in.","start":1563.31,"end":1568.8251,"sentiment":"neutral","sentiment_score":-0.11153488003072284}],"sentiment":"neutral","sentiment_score":-0.04442060765731765,"num_words":83,"start":1536.32,"end":1568.8251},{"sentences":[{"text":"It really does have quite a large investment fee attached to it of about 1.6%, which is about eight times as much as the portfolio that we've got your super in.","start":1569.365,"end":1583.82,"sentiment":"neutral","sentiment_score":-0.32791096861324004},{"text":"The other thing was just I don't know if you feel like your account's been growing well the last few years, but the performance they list on their website was about 1.5% returns over the last five years, which quite quite low in comparison to what you're aiming for for a growth portfolio.","start":1585.48,"end":1602.795,"sentiment":"neutral","sentiment_score":-0.03851043200998936},{"text":"So I did just wanna flag it with you as an observation.","start":1602.855,"end":1605.995,"sentiment":"neutral","sentiment_score":0.0005218732015540203},{"text":"Yeah.","start":1619.4149,"end":1619.9149,"sentiment":"neutral","sentiment_score":-0.020631637424230576},{"text":"If at any point you would like investment advice, like, we do do investment accounts, even Hub twenty four offers investment accounts that link up to your super fund, and there's things like that.","start":1622.5349,"end":1634.94,"sentiment":"neutral","sentiment_score":0.11506067161612651}],"sentiment":"neutral","sentiment_score":-0.06342442173738289,"num_words":131,"start":1569.365,"end":1634.94},{"sentences":[{"text":"So if you would like to do that over the next couple of months or even in a year's time, I can do a full review of that investment, maybe look at some alternative investments, alternative providers, if that's something that you you would like.","start":1634.94,"end":1651.065,"sentiment":"neutral","sentiment_score":0.1348169595003128},{"text":"Yep.","start":1661.14,"end":1661.5399,"sentiment":"neutral","sentiment_score":0.19573259353637695},{"text":"Is that something that you want me to kind of go over with you over the next quarter, or do you wanna kinda just let it go for a little while?","start":1661.5399,"end":1668.82,"sentiment":"neutral","sentiment_score":0.11846091321879818},{"text":"What would be your preference?","start":1668.82,"end":1669.96,"sentiment":"neutral","sentiment_score":0.0587193414568901},{"text":"Yep.","start":1677.7949,"end":1678.2949,"sentiment":"neutral","sentiment_score":0.21437852084636688}],"sentiment":"neutral","sentiment_score":0.1258163772164339,"num_words":83,"start":1634.94,"end":1678.2949},{"sentences":[{"text":"Yeah.","start":1683.57,"end":1683.89,"sentiment":"neutral","sentiment_score":0.13821682333946228},{"text":"So what I'm thinking is I will get a third party authority form drawn up with you that account number that you've sent us, and then we will basically just send that through to Commonwealth, get a full breakdown of all fees, performance, and details of the investments, and then we'll start doing some research and comparisons.","start":1683.89,"end":1702.865,"sentiment":"neutral","sentiment_score":0.1528301661213239},{"text":"When I come back after leave, then we'll have a bit of an updated discussion after that just to kind of get a bit of a game plan together.","start":1703.405,"end":1710.7051,"sentiment":"neutral","sentiment_score":0.09957507882138779},{"text":"Yep.","start":1712.84,"end":1713.34,"sentiment":"neutral","sentiment_score":0.21125495433807373},{"text":"Now before I let you go with that account, is that something that you're putting regular investments into, or is it mainly just kind of growing on its own?","start":1714.6,"end":1723.095,"sentiment":"neutral","sentiment_score":0.017624546067211134}],"sentiment":"neutral","sentiment_score":0.10649213990053305,"num_words":117,"start":1683.57,"end":1723.095},{"sentences":[{"text":"K.","start":1728.135,"end":1728.455,"sentiment":"neutral","sentiment_score":0.012802422046661375},{"text":"How much would that be for?","start":1728.455,"end":1730.395,"sentiment":"neutral","sentiment_score":0.015977130581935246},{"text":"Yep.","start":1735.27,"end":1735.51,"sentiment":"neutral","sentiment_score":0.05458767339587211},{"text":"100 per month.","start":1735.51,"end":1736.5499,"sentiment":"neutral","sentiment_score":0.03764914534986019},{"text":"And it was around about 77,000 in balance at the moment.","start":1736.5499,"end":1740.49,"sentiment":"neutral","sentiment_score":0.019310581413182346}],"sentiment":"neutral","sentiment_score":0.022209850478578697,"num_words":22,"start":1728.135,"end":1740.49},{"sentences":[{"text":"Yep.","start":1744.39,"end":1744.79,"sentiment":"neutral","sentiment_score":0.0802394449710846},{"text":"So what I'll do, I I don't wanna kind of overwhelm with too many things because it can be a lot of applications and forms and documents and conversations, and we're already at a bit of a limit now.","start":1744.79,"end":1754.515,"sentiment":"neutral","sentiment_score":-0.1058556803334982},{"text":"So what I wanna do is I'll get you booked in for that Zurich application.","start":1754.515,"end":1759.255,"sentiment":"neutral","sentiment_score":0.14739696929852167},{"text":"So, hopefully, that get that sorted for you.","start":1759.3151,"end":1761.5751,"sentiment":"neutral","sentiment_score":0.2588603124022484},{"text":"We will as soon as we get the signed documents for this advice back, we will jump on to Hub and switch your investments around.","start":1762.35,"end":1768.69,"sentiment":"neutral","sentiment_score":0.11811923578381539}],"sentiment":"neutral","sentiment_score":0.03621233915063468,"num_words":88,"start":1744.39,"end":1768.69},{"sentences":[{"text":"We'll send through that third party authority so we can research the Commonwealth.","start":1770.51,"end":1774.21,"sentiment":"neutral","sentiment_score":0.08293672536428158},{"text":"And then when I get back, we'll just have a little bit of an updated chat about risk levels for the personal account and options, you know, fees for advice, what we can do in terms of small versus large platforms, and just kind of have a bit of a refresh chat about what you can and can't do.","start":1774.665,"end":1791.8301,"sentiment":"neutral","sentiment_score":0.03690347056520187},{"text":"And then once you give me some direction from there, I'll update your advice to include the investment account.","start":1791.8301,"end":1797.61,"sentiment":"neutral","sentiment_score":0.0921976146729369},{"text":"Wonderful.","start":1800.405,"end":1800.905,"sentiment":"positive","sentiment_score":0.5399871468544006},{"text":"Any questions for me before I let you go?","start":1801.125,"end":1803.625,"sentiment":"neutral","sentiment_score":0.18579050484630796}],"sentiment":"neutral","sentiment_score":0.0714785996271242,"num_words":101,"start":1770.51,"end":1803.625},{"sentences":[{"text":"Cool.","start":1810.005,"end":1810.3251,"sentiment":"neutral","sentiment_score":0.02112489566206932},{"text":"As long as it makes sense, that's the most important thing because I know these these documents can get very wording heavy, and we're throwing a lot of jargon around as long as you know what we're doing and why.","start":1810.3251,"end":1820.55,"sentiment":"neutral","sentiment_score":0.03066760511137545},{"text":"Perfect.","start":1826.0651,"end":1826.545,"sentiment":"positive","sentiment_score":0.5583471655845642},{"text":"So from here, is there a good day and time to go through that insurance application with Jack?","start":1826.545,"end":1834.165,"sentiment":"neutral","sentiment_score":0.19969702925946978},{"text":"Ideally, if possible, I'm thinking, like, Monday next week if you can, but any day that you can, we will make available.","start":1842.1599,"end":1850.1799,"sentiment":"neutral","sentiment_score":0.0597103683447296}],"sentiment":"neutral","sentiment_score":0.08188232799946535,"num_words":82,"start":1810.005,"end":1850.1799},{"sentences":[{"text":"Yep.","start":1857.4049,"end":1857.9049,"sentiment":"neutral","sentiment_score":0.09318889677524568},{"text":"Yep.","start":1869.74,"end":1870.14,"sentiment":"neutral","sentiment_score":0.17991045117378235},{"text":"Perfect.","start":1870.14,"end":1870.62,"sentiment":"positive","sentiment_score":0.3849776983261109},{"text":"So I'll put in a note on the account that the first week of July is a bit of a block out for contact.","start":1870.62,"end":1876.5599,"sentiment":"neutral","sentiment_score":0.21468807073930898},{"text":"And then I'm thinking would you prefer morning or afternoon?","start":1879.1649,"end":1883.345,"sentiment":"neutral","sentiment_score":0.07953365370631219}],"sentiment":"neutral","sentiment_score":0.17853857516436963,"num_words":37,"start":1857.4049,"end":1883.345},{"sentences":[{"text":"Yep.","start":1889.58,"end":1889.9,"sentiment":"neutral","sentiment_score":0.09529350697994232},{"text":"And there's no daylight savings now.","start":1889.9,"end":1891.58,"sentiment":"neutral","sentiment_score":0.048141965021689735},{"text":"Thank gosh.","start":1891.58,"end":1892.2999,"sentiment":"neutral","sentiment_score":0.27194419503211975},{"text":"So it's about eleven thirty two over there, which is nice.","start":1892.2999,"end":1895.02,"sentiment":"neutral","sentiment_score":0.12858582491224463},{"text":"That always throws me.","start":1895.02,"end":1896.7999,"sentiment":"neutral","sentiment_score":0.038943227380514145}],"sentiment":"neutral","sentiment_score":0.10409377794712782,"num_words":24,"start":1889.58,"end":1896.7999},{"sentences":[{"text":"Perfect.","start":1900.2999,"end":1900.78,"sentiment":"neutral","sentiment_score":0.24259260296821591},{"text":"So what I can do yeah.","start":1900.78,"end":1905.9651,"sentiment":"neutral","sentiment_score":-0.06973415364821751},{"text":"Sometimes I bounce around where it's like different states and there's four different conversations.","start":1905.9651,"end":1910.145,"sentiment":"neutral","sentiment_score":-0.03042914518820388},{"text":"Someone's in WA, someone's in South Australia, and I'm usually pretty quick at it, but sometimes you miss it up, and I don't like setting up the wrong appointment time.","start":1910.2051,"end":1919.82,"sentiment":"neutral","sentiment_score":-0.0760312336186568},{"text":"We do have quite a bit of availability Monday morning at around 09:30, if that works for you.","start":1920.6799,"end":1927.5,"sentiment":"neutral","sentiment_score":0.08843610891037518}],"sentiment":"neutral","sentiment_score":-0.018708802894621655,"num_words":69,"start":1900.2999,"end":1927.5},{"sentences":[{"text":"Yeah.","start":1931.015,"end":1931.255,"sentiment":"neutral","sentiment_score":0.06489820778369904},{"text":"The June 8.","start":1931.255,"end":1932.395,"sentiment":"neutral","sentiment_score":0.05097627515594164},{"text":"Perfect.","start":1941.015,"end":1941.495,"sentiment":"neutral","sentiment_score":0.2730562686920166},{"text":"So I'll put it in tentatively for 09:30 on the June 8 in the morning.","start":1941.495,"end":1945.97,"sentiment":"neutral","sentiment_score":0.11212466309467951},{"text":"And if you have any trouble at all, just contact the team and and let them know, and we'll send you a bit of a reminder text there as well.","start":1946.11,"end":1953.09,"sentiment":"neutral","sentiment_score":0.1326642667253812}],"sentiment":"neutral","sentiment_score":0.1230536250025034,"num_words":50,"start":1931.015,"end":1953.09},{"sentences":[{"text":"And then after that so I'll get that alternative email sent out with the statement of advice, and I'll include that third party authority as well.","start":1955.245,"end":1963.505,"sentiment":"neutral","sentiment_score":0.3064893466921953},{"text":"If you have any trouble with all of these emails I'm sending you, please just contact the team, and and they'll help you fix it up.","start":1963.885,"end":1969.8,"sentiment":"neutral","sentiment_score":0.11519842064724518},{"text":"Awesome, Zimina.","start":1972.52,"end":1973.3201,"sentiment":"positive","sentiment_score":0.7859127223491669},{"text":"I really appreciate your time this morning.","start":1973.3201,"end":1975.18,"sentiment":"positive","sentiment_score":0.8664171014513288},{"text":"Really excited to get a few things going for you.","start":1975.88,"end":1977.7201,"sentiment":"positive","sentiment_score":0.8699198782444}],"sentiment":"positive","sentiment_score":0.38450458997362097,"num_words":71,"start":1955.245,"end":1977.7201},{"sentences":[{"text":"But do you have any questions before I let you go?","start":1977.7201,"end":1979.8201,"sentiment":"neutral","sentiment_score":0.2102888599038124},{"text":"Thank you so much.","start":1986.2949,"end":1987.1749,"sentiment":"positive","sentiment_score":0.8483231216669083},{"text":"I'm very much looking forward to it, and I'll I'll talk to you again when I get back.","start":1987.1749,"end":1991.3789,"sentiment":"positive","sentiment_score":0.6991498950454924},{"text":"Thank you.","start":1993.299,"end":1993.939,"sentiment":"positive","sentiment_score":0.698152095079422},{"text":"Bye.","start":1993.939,"end":1994.439,"sentiment":"positive","sentiment_score":0.3869575262069702}],"sentiment":"positive","sentiment_score":0.5576230492442846,"num_words":36,"start":1977.7201,"end":1994.439}]}}]},{"alternatives":[{"transcript":"Hi. It's Amina speaking. I'm good. Thanks, Tommy. How are you? Yes. Yes. That'd be great. Thank you. Mhmm. Mhmm. Mhmm. It's the second of the seventh 76 and 1 Nielson Avenue, Nottawalling, Victoria 3131. Mhmm. Yeah. Sure. One second. I'll, you know, I'll bring I'll bring it up. Okay. Sure. Just one second. Haven't come through as yet. Yep. Alright. I'll just check that one second. Yeah. No. It hasn't. I still haven't searched, and I've checked other spots where it might have gone, but no. It hasn't hasn't popped up. Sure. Yes. I did ring them, and that is what they sent me through. So I don't to me, it looks exactly the same as my quarterly statement. So I don't know if there's any relevant in if the interim that's the information you needed or not. It does yeah. Okay. Mhmm. Sure. Yes. Yep. Okay. Good. That's great. Because I did I I did raise it with them because they said to me that they've been sending things electronically, but I've never received anything electronically from them. And I tried to use their portal and couldn't find anything. So I have raised that up with with them for them to follow that up at their end. I've only only ever received those statements. They've by my by my oh, look. It's come through now. No. It's come through from your Ikeview one. It just says updated state and advice, and it's got the attachments. I've I've got all the relevant there's seven attachments to that one. Yep. Yep. Found it. Got it. Yep. Okay. Yep. Mhmm. Yes. Yes. Yep. I'm looking at that one at the moment. Yes. Mhmm. Yep. Yes. It does. Yes. I remember that. Mhmm. Mhmm. Mhmm. Mhmm. Yep. Yep. Yep. Mhmm. Yep. Yep. Yep. Right. Yep. Yes. Mhmm. Gotcha. Mhmm. Okay. Yep. Mhmm. Yep. Yep. Yep. Makes sense. Yep. Okay. Yes. Yep. I can see that. Okay. Yep. Oh, yeah. Yeah. Yep. Okay. That makes sense. Mhmm. K. Mhmm. Oh, yes. Yes. Yep. Yep. Mhmm. Gotcha. Yep. Makes that makes sense. Yep. Yeah. I'm looking at that table at the, yeah, at the moment. Yes. Yep. Mhmm. Uh-uh. Okay. Gotcha. Mhmm. Okay. Yep. That yep. It's good. Yep. Oh, okay. Mhmm. Wow. Okay. Big big difference. Yep. Yeah. Yeah. What's the what's the catch? Yeah. Yeah. Yeah. No. That that sounds great to me. Yeah. And and as you say, there's nothing that jumps out to you straight away. I think and and it's still sort of a quick it's still gonna cover me. I think that that's a good good idea. Sure. Yep. Mhmm. Okay. Yes. I think I I just yes. I just I I can see that now. Yes. You. Uh-huh. Okay. Yep. No. That that sounds good. Yes. Yeah. Yeah. I'm I'm happy to I'm happy to leave that. Yep. Yep. Okay. Yep. Go down to that one. Uh-huh. Yes. Mhmm. Okay. Mhmm. Yep. That's the current one at the moment, isn't it? Isn't it? Yep. Yep. Okay. Yep. Okay. Yeah. Yeah. Makes sense to me. Mhmm. Sure. Yeah. Yeah. Gotcha. Like yeah. Sure. That's that makes sense. The only thing that, I guess, since since then is not surgery wise, but I guess in terms of my medical history, I was diagnosed with an underactive thyroid. So I'm currently on medication for that. So that's definitely a change since from, I guess, when it was from the the previous policy date. The last last one test I had. Yes. Yes. So it was all it was all fine. Yep. Yep. Mhmm. Mhmm. Okay. Nothing that is coming to mind. No. Nothing. No. Nothing. Yeah. Nothing is coming to me. Yeah. Yeah. Yes. Yep. No. No. Yeah. That'd be great. Mhmm. Okay. Yep. Yep. Okay. What page for that again? 30 nine. Okay. Yeah. I haven't gone quite far enough yet. No. I can yeah. Now I can yep. I can yep. I'm I'm at the right page now. Yep. Okay. Mhmm. Okay. Mhmm. Okay. Yep. Mhmm. Okay. I'm just looking at that now. It looks like I've only got the Oakview one. Mhmm. Not yet. No. Mhmm. Sure. Okay. Yeah. That's fine. I'm I'm yep. I'm happy with everything we covered so far. Mhmm. Mhmm. Yeah. Yeah. No. That's that's yeah. No. That's good. I I have I do feel it has been a bit up and down recently. And, I mean, I know the market has been the same, but I've been a bit I must admit, I have been a bit disappointed in the recent returns with that one. So yeah. Mhmm. Yes. It's definitely something I I would be interested in. Yeah. I think it'd be good to do that. I'd be happy. No. I'd be happy to do it over the next quarter. Yeah. That'd be good. I mean, I've I've either you or your colleague because I know you'll be on leave soon. Mhmm. Yep. Yeah. That sounds fantastic. No. That sounds great. Yep. That'd be great. No. That one also has a regular savings plan set up attached with it. Yeah. I think it's 100 a month I'm putting in. Mhmm. The I think the last statement said said about that. Yes. Sure. Sure. Right. Mhmm. Wonderful. Uh-huh. No. I've everything makes sense. Yep. Yeah. No. No. No. That all makes you build that clearly. No. Oh, yeah. Yeah. No. That's fine. That's fine. Anytime next week will be will be fine. I I'm just I know the only I know I'm not available the first week of July, but but, yeah, any any other time next week is is fine. Usually, mornings are good for me. Yeah. That's yes. We're on we're on the same. And I guess we can it's a bit confusing some of our kids. What's in it? Yeah. I have to remember. Yeah. So that's the eight dessert. Yeah. Anytime is fine on Monday because we have yeah. Yep. Okay. Great. Okay. No. All good. And thanks so much for your help, and good good luck with your break. Okay then. Thanks a lot. Okay. 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It's Amina speaking. I'm good. Thanks, Tommy. How are you?\n\nYes. Yes. That'd be great. Thank you. Mhmm.\n\nMhmm. Mhmm. It's the second of the seventh 76 and 1 Nielson Avenue, Nottawalling, Victoria 3131. Mhmm. Yeah.\n\nSure. One second. I'll, you know, I'll bring I'll bring it up. Okay. Sure.\n\nJust one second. Haven't come through as yet. Yep. Alright. I'll just check that one second.\n\nYeah. No. It hasn't. I still haven't searched, and I've checked other spots where it might have gone, but no. It hasn't hasn't popped up.\n\nSure. Yes. I did ring them, and that is what they sent me through. So I don't to me, it looks exactly the same as my quarterly statement. So I don't know if there's any relevant in if the interim that's the information you needed or not.\n\nIt does yeah. Okay. Mhmm. Sure. Yes.\n\nYep. Okay. Good. That's great. Because I did I I did raise it with them because they said to me that they've been sending things electronically, but I've never received anything electronically from them.\n\nAnd I tried to use their portal and couldn't find anything. So I have raised that up with with them for them to follow that up at their end. I've only only ever received those statements. They've by my by my oh, look. It's come through now.\n\nNo. It's come through from your Ikeview one. It just says updated state and advice, and it's got the attachments. I've I've got all the relevant there's seven attachments to that one. Yep.\n\nYep. Found it. Got it. Yep. Okay.\n\nYep. Mhmm. Yes. Yes. Yep.\n\nI'm looking at that one at the moment. Yes. Mhmm. Yep. Yes.\n\nIt does. Yes. I remember that. Mhmm. Mhmm.\n\nMhmm. Mhmm. Yep. Yep. Yep.\n\nMhmm. Yep. Yep. Yep. Right.\n\nYep. Yes. Mhmm. Gotcha. Mhmm.\n\nOkay. Yep. Mhmm. Yep. Yep.\n\nYep. Makes sense. Yep. Okay. Yes.\n\nYep. I can see that. Okay. Yep. Oh, yeah.\n\nYeah. Yep. Okay. That makes sense. Mhmm.\n\nK. Mhmm. Oh, yes. Yes. Yep.\n\nYep. Mhmm. Gotcha. Yep. Makes that makes sense.\n\nYep. Yeah. I'm looking at that table at the, yeah, at the moment. Yes. Yep.\n\nMhmm. Uh-uh. Okay. Gotcha. Mhmm.\n\nOkay. Yep. That yep. It's good. Yep.\n\nOh, okay. Mhmm. Wow. Okay. Big big difference.\n\nYep. Yeah. Yeah. What's the what's the catch? Yeah.\n\nYeah. Yeah. No. That that sounds great to me. Yeah.\n\nAnd and as you say, there's nothing that jumps out to you straight away. I think and and it's still sort of a quick it's still gonna cover me. I think that that's a good good idea. Sure. Yep.\n\nMhmm. Okay. Yes. I think I I just yes. I just I I can see that now.\n\nYes. You. Uh-huh. Okay. Yep.\n\nNo. That that sounds good. Yes. Yeah. Yeah.\n\nI'm I'm happy to I'm happy to leave that. Yep. Yep. Okay. Yep.\n\nGo down to that one. Uh-huh. Yes. Mhmm. Okay.\n\nMhmm. Yep. That's the current one at the moment, isn't it? Isn't it? Yep.\n\nYep. Okay. Yep. Okay. Yeah.\n\nYeah. Makes sense to me. Mhmm. Sure. Yeah.\n\nYeah. Gotcha. Like yeah. Sure. That's that makes sense.\n\nThe only thing that, I guess, since since then is not surgery wise, but I guess in terms of my medical history, I was diagnosed with an underactive thyroid. So I'm currently on medication for that. So that's definitely a change since from, I guess, when it was from the the previous policy date. The last last one test I had. Yes.\n\nYes. So it was all it was all fine. Yep. Yep. Mhmm.\n\nMhmm. Okay. Nothing that is coming to mind. No. Nothing.\n\nNo. Nothing. Yeah. Nothing is coming to me. Yeah.\n\nYeah. Yes. Yep. No. No.\n\nYeah. That'd be great. Mhmm. Okay. Yep.\n\nYep. Okay. What page for that again? 30 nine. Okay.\n\nYeah. I haven't gone quite far enough yet. No. I can yeah. Now I can yep.\n\nI can yep. I'm I'm at the right page now. Yep. Okay. Mhmm.\n\nOkay. Mhmm. Okay. Yep. Mhmm.\n\nOkay. I'm just looking at that now. It looks like I've only got the Oakview one. Mhmm. Not yet.\n\nNo. Mhmm. Sure. Okay. Yeah.\n\nThat's fine. I'm I'm yep. I'm happy with everything we covered so far. Mhmm. Mhmm.\n\nYeah. Yeah. No. That's that's yeah. No.\n\nThat's good. I I have I do feel it has been a bit up and down recently. And, I mean, I know the market has been the same, but I've been a bit I must admit, I have been a bit disappointed in the recent returns with that one. So yeah. Mhmm.\n\nYes. It's definitely something I I would be interested in. Yeah. I think it'd be good to do that. I'd be happy.\n\nNo. I'd be happy to do it over the next quarter. Yeah. That'd be good. I mean, I've I've either you or your colleague because I know you'll be on leave soon.\n\nMhmm. Yep. Yeah. That sounds fantastic. No.\n\nThat sounds great. Yep. That'd be great. No. That one also has a regular savings plan set up attached with it.\n\nYeah. I think it's 100 a month I'm putting in. Mhmm. The I think the last statement said said about that. Yes.\n\nSure. Sure. Right. Mhmm. Wonderful.\n\nUh-huh. No. I've everything makes sense. Yep. Yeah.\n\nNo. No. No. That all makes you build that clearly. No.\n\nOh, yeah. Yeah. No. That's fine. That's fine.\n\nAnytime next week will be will be fine. I I'm just I know the only I know I'm not available the first week of July, but but, yeah, any any other time next week is is fine. Usually, mornings are good for me. Yeah. That's yes.\n\nWe're on we're on the same. And I guess we can it's a bit confusing some of our kids. What's in it? Yeah. I have to remember.\n\nYeah. So that's the eight dessert. Yeah. Anytime is fine on Monday because we have yeah. Yep.\n\nOkay. Great. Okay. No. All good.\n\nAnd thanks so much for your help, and good good luck with your break. Okay then. Thanks a lot. Okay. Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":0.08,"end":0.24,"sentiment":"neutral","sentiment_score":0.0632113441824913},{"text":"It's Amina speaking.","start":0.24,"end":1.22,"sentiment":"neutral","sentiment_score":0.0788438469171524},{"text":"I'm good.","start":5.12,"end":5.6,"sentiment":"positive","sentiment_score":0.36626334488391876},{"text":"Thanks, Tommy.","start":5.6,"end":6.16,"sentiment":"positive","sentiment_score":0.5616946220397949},{"text":"How are you?","start":6.16,"end":6.98,"sentiment":"positive","sentiment_score":0.36364532510439557}],"sentiment":"neutral","sentiment_score":0.2951449812813239,"num_words":11,"start":0.08,"end":6.98},{"sentences":[{"text":"Yes.","start":13.679999,"end":13.92,"sentiment":"neutral","sentiment_score":0.19201594591140747},{"text":"Yes.","start":13.92,"end":14.24,"sentiment":"neutral","sentiment_score":0.23054006695747375},{"text":"That'd be 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everything makes sense.","start":1806.895,"end":1809.475,"sentiment":"neutral","sentiment_score":0.1329011432826519},{"text":"Yep.","start":1818.13,"end":1818.63,"sentiment":"neutral","sentiment_score":-0.0034681218676269054},{"text":"Yeah.","start":1820.7699,"end":1821.1699,"sentiment":"neutral","sentiment_score":-0.013807777315378187}],"sentiment":"neutral","sentiment_score":0.07488055533031002,"num_words":8,"start":1806.175,"end":1821.1699},{"sentences":[{"text":"No.","start":1821.1699,"end":1821.4099,"sentiment":"neutral","sentiment_score":-0.09816862642765044},{"text":"No.","start":1821.4099,"end":1821.57,"sentiment":"neutral","sentiment_score":-0.10459589958190918},{"text":"No.","start":1821.57,"end":1821.8099,"sentiment":"neutral","sentiment_score":-0.11021297425031662},{"text":"That all makes you build that clearly.","start":1821.8099,"end":1825.375,"sentiment":"neutral","sentiment_score":-0.012409709926162447},{"text":"No.","start":1842.33,"end":1842.57,"sentiment":"neutral","sentiment_score":0.005875416100025177}],"sentiment":"neutral","sentiment_score":-0.035815459422089836,"num_words":11,"start":1821.1699,"end":1842.57},{"sentences":[{"text":"Oh, yeah.","start":1842.57,"end":1843.5499,"sentiment":"neutral","sentiment_score":0.03649164363741875},{"text":"Yeah.","start":1850.8251,"end":1851.0651,"sentiment":"neutral","sentiment_score":0.052262257784605026},{"text":"No.","start":1851.0651,"end":1851.2251,"sentiment":"neutral","sentiment_score":0.034150056540966034},{"text":"That's fine.","start":1851.2251,"end":1851.9451,"sentiment":"neutral","sentiment_score":0.12887268513441086},{"text":"That's fine.","start":1851.9451,"end":1852.685,"sentiment":"neutral","sentiment_score":0.21606197208166122}],"sentiment":"neutral","sentiment_score":0.10615811450406909,"num_words":8,"start":1842.57,"end":1852.685},{"sentences":[{"text":"Anytime next week will be will be fine.","start":1853.8651,"end":1856.925,"sentiment":"neutral","sentiment_score":0.12084405682981014},{"text":"I I'm just I know the only I know I'm not available the first week of July, but but, yeah, any any other time next week is is fine.","start":1857.7051,"end":1869.11,"sentiment":"neutral","sentiment_score":0.02708701750841634},{"text":"Usually, mornings are good for me.","start":1886.865,"end":1889.2051,"sentiment":"neutral","sentiment_score":0.1536621836324533},{"text":"Yeah.","start":1893.12,"end":1893.62,"sentiment":"neutral","sentiment_score":0.05415104329586029},{"text":"That's yes.","start":1894.16,"end":1897.36,"sentiment":"neutral","sentiment_score":0.16096912324428558}],"sentiment":"neutral","sentiment_score":0.06631170334699361,"num_words":46,"start":1853.8651,"end":1897.36},{"sentences":[{"text":"We're on we're on the same.","start":1897.36,"end":1899.62,"sentiment":"neutral","sentiment_score":0.058505468691388764},{"text":"And I guess we can it's a bit confusing some of our kids.","start":1900.72,"end":1903.76,"sentiment":"neutral","sentiment_score":-0.12244585643594082},{"text":"What's in it?","start":1903.76,"end":1904.66,"sentiment":"neutral","sentiment_score":-0.047915853559970856},{"text":"Yeah.","start":1905.5149,"end":1905.7283,"sentiment":"neutral","sentiment_score":-0.0406380295753479},{"text":"I have to remember.","start":1905.7283,"end":1911.375,"sentiment":"neutral","sentiment_score":-0.034560554660856724}],"sentiment":"neutral","sentiment_score":-0.05790337520065131,"num_words":27,"start":1897.36,"end":1911.375},{"sentences":[{"text":"Yeah.","start":1913.0349,"end":1913.5349,"sentiment":"neutral","sentiment_score":-0.017341379076242447},{"text":"So that's the eight dessert.","start":1928.89,"end":1930.27,"sentiment":"neutral","sentiment_score":0.07430593818426132},{"text":"Yeah.","start":1936.035,"end":1936.195,"sentiment":"neutral","sentiment_score":0.1041225716471672},{"text":"Anytime is fine on Monday because we have yeah.","start":1936.195,"end":1939.495,"sentiment":"neutral","sentiment_score":0.17591542336675856},{"text":"Yep.","start":1946.51,"end":1947.01,"sentiment":"neutral","sentiment_score":0.05985604226589203}],"sentiment":"neutral","sentiment_score":0.12361210212111473,"num_words":17,"start":1913.0349,"end":1947.01},{"sentences":[{"text":"Okay.","start":1953.3099,"end":1953.7899,"sentiment":"positive","sentiment_score":0.35234346985816956},{"text":"Great.","start":1953.7899,"end":1954.2899,"sentiment":"positive","sentiment_score":0.6897965669631958},{"text":"Okay.","start":1970.405,"end":1970.905,"sentiment":"positive","sentiment_score":0.4163248538970947},{"text":"No.","start":1980.2301,"end":1980.55,"sentiment":"neutral","sentiment_score":0.03340992331504822},{"text":"All good.","start":1980.55,"end":1981.03,"sentiment":"positive","sentiment_score":0.3929004818201065}],"sentiment":"positive","sentiment_score":0.37961262961228687,"num_words":6,"start":1953.3099,"end":1981.03},{"sentences":[{"text":"And thanks so much for your help, and good good luck with your break.","start":1981.03,"end":1985.53,"sentiment":"positive","sentiment_score":0.7083770845617566},{"text":"Okay then.","start":1991.679,"end":1992.1589,"sentiment":"positive","sentiment_score":0.40438850224018097},{"text":"Thanks a lot.","start":1992.1589,"end":1992.9789,"sentiment":"positive","sentiment_score":0.7503047784169515},{"text":"Okay.","start":1994.319,"end":1994.819,"sentiment":"neutral","sentiment_score":0.23994064331054688},{"text":"Bye.","start":1994.8789,"end":1995.3789,"sentiment":"neutral","sentiment_score":-0.100188709795475}],"sentiment":"positive","sentiment_score":0.6246058312909943,"num_words":21,"start":1981.03,"end":1995.3789}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hi. It's Amina speaking.\n\nChannel 0: Good morning, It's Tommy here from. How have you been?\n\nChannel 1: I'm good. Thanks, Tommy. How are you?\n\nChannel 0: I'm doing absolutely fantastic. Very excited to speak to you this morning. Do you still have time for that advice discussion?\n\nChannel 1: Yes. Yes. That'd be great. Thank you.\n\nChannel 0: Amazing. So I'm gonna email through your updated statement of advice. And\n\nChannel 1: Mhmm.\n\nChannel 0: while that's coming through, I'm just gonna do the usual security check with you.\n\nChannel 1: Mhmm.\n\nChannel 0: Now the calls are recorded for training and quality purposes. I'm registered with ASIC as adviser 1273105. Could you\n\nChannel 1: Mhmm.\n\nChannel 0: please confirm your date of birth and address?\n\nChannel 1: It's the second of the seventh 76 and 1 Nielson Avenue, Nottawalling, Victoria 3131.\n\nChannel 0: Fantastic. Now that should be coming through to you pretty quickly to your Gmail address. Will you be able\n\nChannel 1: Mhmm.\n\nChannel 0: to look on to the advice document with me today?\n\nChannel 1: Yeah. Sure. One second. I'll, you know, I'll bring I'll bring it up.\n\nChannel 0: That's okay. Now when you do get that email, because it is from the same system you received your annual review pack from, Just have a look down the bottom of the email, and there's a number of attachments there I wanted to walk you through first.\n\nChannel 1: Okay. Sure. Just one second.\n\nChannel 0: No worries at all. I'm just gonna grab up the documents as well, and please take your time.\n\nChannel 1: Haven't come through as yet.\n\nChannel 0: Dokey. And if you wanna maybe have a look at your spam folder as well, unless you've already\n\nChannel 1: Yep.\n\nChannel 0: checked that.\n\nChannel 1: Alright. I'll just check that one second.\n\nChannel 0: And I'm gonna actually send it from my personal email as well just in case there's a bit of a backup. Price. Financial. We were having a bit of a IT trouble yesterday, which I was hoping was resolved at the moment. So I know my laptop's a little bit slow on the Internet.\n\nChannel 1: Yeah. No. It hasn't. I still haven't searched, and I've checked other spots where it might have gone, but no. It hasn't hasn't\n\nChannel 0: Alright.\n\nChannel 1: popped up.\n\nChannel 0: Actually, that actually works out pretty well because I'm gonna send it through from my personal email address, which may take about a minute or so just because of the attachment sizes because there's so many product documents along with it. And there it's about two and a half thousand pages of extra documents that come alongside it. So I'm gonna pop this through, but I wanted to have a quick chat to you about that investment account that you sent through the the document for.\n\nChannel 1: Sure. Yes. I did ring them, and\n\nChannel 0: Oh, yeah?\n\nChannel 1: that is what they sent me through. So I don't to me, it looks exactly the same as my quarterly statement.\n\nChannel 0: Yep.\n\nChannel 1: So I don't know if there's any relevant in if the interim that's the information you needed or not. It does yeah.\n\nChannel 0: Yeah. I was actually able to decipher it, and it did\n\nChannel 1: Okay.\n\nChannel 0: look really good. It was the the funny thing about it was Colonial sent it through in a very, very old format, and it's\n\nChannel 1: Mhmm.\n\nChannel 0: not similar to, like, a new platform where you get, like, a lovely colorful statement with tables and graphs and things like that. It's very reminiscent of the old, like, share portfolios and things like that.\n\nChannel 1: Sure.\n\nChannel 0: It did include your account number, which is perfect,\n\nChannel 1: Yes.\n\nChannel 0: your\n\nChannel 1: Yep.\n\nChannel 0: balance, and\n\nChannel 1: Okay. Good.\n\nChannel 0: I was able to find the investment that it's in.\n\nChannel 1: That's great. Because I did I I did raise it with them because they said to me that they've been sending things electronically, but I've never received anything electronically from them. And I tried to use\n\nChannel 0: Right.\n\nChannel 1: their portal and couldn't find anything. So I have raised that up with with them for them to follow that up at their end.\n\nChannel 0: Yep.\n\nChannel 1: I've only only ever received those statements.\n\nChannel 0: That's perfect.\n\nChannel 1: They've\n\nChannel 0: So\n\nChannel 1: by\n\nChannel 0: I\n\nChannel 1: my\n\nChannel 0: did\n\nChannel 1: by\n\nChannel 0: have\n\nChannel 1: my oh, look. It's come through now.\n\nChannel 0: oh, amazing. Now is it coming through from my email address? Like, what's the subject of the email, if you don't mind me\n\nChannel 1: No.\n\nChannel 0: asking?\n\nChannel 1: It's come through from your Ikeview one.\n\nChannel 0: Oh, perfect. So has it is it listing a signature request in the title or just Oakview statement of\n\nChannel 1: It\n\nChannel 0: advice?\n\nChannel 1: just says updated state and advice, and\n\nChannel 0: Oh,\n\nChannel 1: it's\n\nChannel 0: perfect.\n\nChannel 1: got\n\nChannel 0: And there\n\nChannel 1: the\n\nChannel 0: should\n\nChannel 1: attachments.\n\nChannel 0: be all the purple buttons and everything?\n\nChannel 1: I've I've got all the relevant there's seven attachments to that one.\n\nChannel 0: Yep. Perfect. So if you could just open up for me the statement of advice, and it should be listed as let me just get the exact name for you. So it's got today's date, and then it should just be dash statement of\n\nChannel 1: Yep.\n\nChannel 0: advice.\n\nChannel 1: Yep. Found it. Got\n\nChannel 0: Yep.\n\nChannel 1: it. Yep.\n\nChannel 0: Yep.\n\nChannel 1: Okay.\n\nChannel 0: With a\n\nChannel 1: Yep.\n\nChannel 0: nice big Gold Coast beachfront\n\nChannel 1: Mhmm.\n\nChannel 0: city\n\nChannel 1: Yes.\n\nChannel 0: view.\n\nChannel 1: Yes. Yep. I'm looking\n\nChannel 0: Sensational.\n\nChannel 1: at that one at the moment.\n\nChannel 0: So if you scroll down to page four, we've got the scope of advice that we were talking about during your review.\n\nChannel 1: Yes. Mhmm.\n\nChannel 0: And, essentially, we were just giving some superannuation advice just to update your portfolio at the moment. You were already doing the salary sacrifice, which we agreed was okay. And I\n\nChannel 1: Yep.\n\nChannel 0: was having a little bit of a look at your insurances because I thought your income protection might be a bit over insured if that rings a bell.\n\nChannel 1: Yes. It does. Yes. I remember that.\n\nChannel 0: Yep. There's some interesting turn of events that happen on the insurance side I wanna walk you through and get your thoughts on. But before\n\nChannel 1: Mhmm.\n\nChannel 0: I do that, if you go through to the next two pages, we've\n\nChannel 1: Mhmm.\n\nChannel 0: basically been listing what we're not currently giving advice on. Estate planning is included because of just reminders to make sure the beneficiaries and wills and everything are up to date.\n\nChannel 1: Mhmm.\n\nChannel 0: And then in terms of what we're not giving advice on is we're not giving you budgeting advice towards, you know, saving for deposits and purchasing property, and we're not currently giving you a recommendation on the Colonial Investment account.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: K? Now does that sound right to you from our discussion?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Now if you go through a little bit further, let's just go through the advice and you go through there's a limited advice warning. Just basically\n\nChannel 1: Mhmm.\n\nChannel 0: explaining that we're not giving advice on everything under the sun. And if any of the information we have is\n\nChannel 1: Yep.\n\nChannel 0: inaccurate, that may impact things. We've got your details after\n\nChannel 1: Yep.\n\nChannel 0: that, which is your about you section and the assets and liabilities on the next page, which is just savings, the colonial accounts, your car. And I did get your salary from the pay slip that you sent through. So I've just\n\nChannel 1: Yep.\n\nChannel 0: put in there the $95.04 $7.02 that was listed on there.\n\nChannel 1: Right.\n\nChannel 0: Perfect. Now if you go through, you've got your Hub twenty four account. You've got your Neos insurances. And then if you go to page ten and eleven, you've got your growth risk profile.\n\nChannel 1: Yep.\n\nChannel 0: Now the first thing I wanted to note was that your personal investment account with Colonial or Commonwealth is also listed as a growth portfolio.\n\nChannel 1: Yes.\n\nChannel 0: Now I did double check the portfolio itself, and it has about 74% in growth assets, which is pretty common for a growth portfolio. Our risk profile is listing around 80 to 85, and that's kind\n\nChannel 1: Mhmm.\n\nChannel 0: of what we've got your super in. So they're a little bit different to each other. Your super is invested a little bit more aggressively than your colonial, but they're both\n\nChannel 1: Gotcha.\n\nChannel 0: pretty well similar in risk profile.\n\nChannel 1: Mhmm. Okay.\n\nChannel 0: K? Now if you go down a little bit further because that's one of the things I wanted to check, just making sure that you didn't have anything too high risk that you weren't aware of inside your personal account.\n\nChannel 1: Yep.\n\nChannel 0: And if you go through to probably the the wordiest part of the document, I'll summarize it for you. Page twelve and thirteen under strategy recommendations.\n\nChannel 1: Mhmm.\n\nChannel 0: So what I'm basically recommending is that we identified an underperforming investment within Hub twenty four, which was that. Everything else was looking really, really good. So what we've basically recommended is replace that option like for life with a better option and then\n\nChannel 1: Yep.\n\nChannel 0: just rebalance your investments back in line with that original model portfolio that we built for you. Now rebalancing essentially just means we're just trimming off the ones that have grown and buying back into the ones that have dropped. So everything's back to the you know, if you have three options that are all ten percent and one goes up to twenty and one goes down to five, we just wanna bring them all back to the the baseline.\n\nChannel 1: Yep. Yep. Makes\n\nChannel 0: K?\n\nChannel 1: sense.\n\nChannel 0: Now in terms of advantages and disadvantages on the next table on the next page, essentially, it's keeping everything the same, but just improving the lower feet and the performance over one, three, five, and ten years. Now the\n\nChannel 1: Yep.\n\nChannel 0: disadvantage always with Oakview portfolios is that we use a lot of ETFs, which very, very low fees, but you have to do that small purchase upfront to actually purchase the ETFs, which is like a 0.11%, and then they're very cheap going forward after that point. Now if\n\nChannel 1: Okay.\n\nChannel 0: you go down two more pages, this this will be the last two detail pages. On 15, you'll see a big investments table with a lot of red and green text on it.\n\nChannel 1: Yes. Yep. I can see that.\n\nChannel 0: So all of the red ones are sell downs and all of the green ones are purchases. And, basically, the third row, you'll see the Benelon concentrated equities, which was that one that we're removing and replacing completely.\n\nChannel 1: Okay.\n\nChannel 0: Everything else is just getting reweighted back to I don't know if you can see the second last column, those flat percentages of the 4%, 4%, nine, four,\n\nChannel 1: Yep.\n\nChannel 0: four, five, six, twenty, and so on. And then at the bottom of that table, there's your new Australian shares option through a fund called Alfinity. That'll be your replacement for Benel.\n\nChannel 1: Oh, yeah. Yeah. Yep. Okay. That makes sense.\n\nChannel 0: Yep. So everything else is just kind of a little bit of a reweight back to the round figures, and that one is the like for like sideways replacement.\n\nChannel 1: Mhmm.\n\nChannel 0: And then the next page just has your your minimum cash listed there as well.\n\nChannel 1: K.\n\nChannel 0: Last two is after that, you've got your pie chart on the asset allocation, the nice colorful pie chart there for you. And you should be able to see in the middle of that table, it says growth total, and it goes kind of 80%, 84, 84. Can you see that in the middle\n\nChannel 1: Mhmm.\n\nChannel 0: of the table?\n\nChannel 1: Oh, yes. Yes. Yep. Yep.\n\nChannel 0: Yep. So that's the growth allocation I was mentioning where at Oakview, our growth portfolios are around about 80 to 85% in growth assets like shares, property, and gold, and the rest will be in your safer assets.\n\nChannel 1: Mhmm.\n\nChannel 0: So\n\nChannel 1: Gotcha.\n\nChannel 0: that's kind\n\nChannel 1: Yep. Makes that makes sense.\n\nChannel 0: of perfect. And it's basically the same 84.5 versus 84.6.\n\nChannel 1: Yep.\n\nChannel 0: It's not much different to each other. And then after that, you've got a fee table which basically shows you a few $100 saved in investment fees. Can you see that fee comparison table where it has the current and recommended?\n\nChannel 1: Yeah. I'm looking at that table at the, yeah, at the moment. Yes.\n\nChannel 0: Yep. Two key parts\n\nChannel 1: Yep.\n\nChannel 0: of information that I wanted to kind of bring you to is at the bottom, we have the five year performance update, which\n\nChannel 1: Mhmm.\n\nChannel 0: we've been along mixed in was pulling you down to about 7%, whereas in a growth portfolio, you kind of want eight to nine as an average.\n\nChannel 1: Uh-uh. Okay. Gotcha. Mhmm.\n\nChannel 0: Yep. Now by switching that out with that alternative option and rebalancing, we bring it back up to about 11 and a half, which is well and truly above what we're aiming for.\n\nChannel 1: Okay. Yep. That yep.\n\nChannel 0: Yep.\n\nChannel 1: It's good. Yep.\n\nChannel 0: But I did come up with an interesting comparison for the insurances. So when I went through and worked back your payslip, it actually looks like that your current income protection amount is actually pretty well perfect. It's about $30 off,\n\nChannel 1: Oh,\n\nChannel 0: 70% of your income. So we were essentially just gonna keep your life, your\n\nChannel 1: okay.\n\nChannel 0: disability, and your income protection the same. But I was able to find an insurer called Zurich who and it's one of the strangest things I've actually seen, is they're offering the exact same policy for about 65% less premiums. Normally, if I look at an alternative provider, it's about 10 to 25%, but this one was\n\nChannel 1: Mhmm.\n\nChannel 0: basically dropping the premiums from 1,800 to about $762 after\n\nChannel 1: Wow.\n\nChannel 0: the rebate.\n\nChannel 1: Okay.\n\nChannel 0: So I wanted\n\nChannel 1: Big\n\nChannel 0: to\n\nChannel 1: big\n\nChannel 0: just\n\nChannel 1: difference.\n\nChannel 0: have a it's quite large, and I actually looked at it three times to make sure it was correct because normally,\n\nChannel 1: Yep.\n\nChannel 0: like I said, the difference is 10 to 20%. And I'm like, okay. Is the occupation different? Is the health different? What's going on here?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: And\n\nChannel 1: What's\n\nChannel 0: I\n\nChannel 1: the\n\nChannel 0: could\n\nChannel 1: what's\n\nChannel 0: not\n\nChannel 1: the catch?\n\nChannel 0: I couldn't spot any catches. So I wanted to propose it as like, hey. If you're comfortable going through the application process, I kind of wanna give it a go because that\n\nChannel 1: Yeah.\n\nChannel 0: would\n\nChannel 1: Yeah.\n\nChannel 0: be such\n\nChannel 1: Yeah.\n\nChannel 0: a good long term savings for you.\n\nChannel 1: No. That that sounds great to me. Yeah. And and as you say, there's nothing that jumps out to you straight away. I think and and it's still sort of a quick it's still gonna cover me.\n\nI think that that's a good good idea.\n\nChannel 0: Yeah. So let me do I'll go through these last two pages on the super side, and then I wanna kind of break down the insurance recommendations. Just make sure you're comfortable with them first.\n\nChannel 1: Sure.\n\nChannel 0: So if you go down past those projections, we've got sorry. The fee table has projections after it and a performance table. This factors in continuing the salary sacrifice, the\n\nChannel 1: Yep.\n\nChannel 0: switch of the investments, and the lower premiums. It's all three mixed\n\nChannel 1: Mhmm.\n\nChannel 0: into one.\n\nChannel 1: Okay.\n\nChannel 0: K? So it's kind of showing a good 100 to $200,000 benefit over five to ten years, which is quite large. Conservatively speaking, I would probably say 50 to 100,000 depending on how the market goes. And can you see that there, the five and ten year projection on page 19?\n\nChannel 1: Yes. I think I I just yes. I just I I can see that now. Yes.\n\nChannel 0: Yep. So that's kind of where we're thinking things are gonna end up. And once you get past that ten year mark, you'll be about six or seven years off retirement to start reducing your risk level as well.\n\nChannel 1: You.\n\nChannel 0: So we\n\nChannel 1: Uh-huh.\n\nChannel 0: can kind of finish off that retirement analysis when you're a bit closer to retirement.\n\nChannel 1: Okay. Yep. No. That that\n\nChannel 0: Yep.\n\nChannel 1: sounds good.\n\nChannel 0: Performance figures, it just look. It looks a lot more consistent over all time periods in the double digits underneath that. If you keep scrolling through, you'll see page 20 is your salary sacrifice, which I'm assuming is still comfortable with the the amount that you've got coming out of your pay.\n\nChannel 1: Yes. Yeah. Yeah. I'm I'm happy to I'm happy to leave that.\n\nChannel 0: Yep. I haven't increased or decreased it, but I was just showing the the tax differences between doing it and not doing it. But I am recommending just to keep that going.\n\nChannel 1: Yep. Yep. Okay.\n\nChannel 0: Alright. So the one I wanted to show you is on page 23,\n\nChannel 1: Yep.\n\nChannel 0: and you should see a nice\n\nChannel 1: Go\n\nChannel 0: big\n\nChannel 1: down\n\nChannel 0: table\n\nChannel 1: to that\n\nChannel 0: there\n\nChannel 1: one.\n\nChannel 0: listing Zurich.\n\nChannel 1: Uh-huh. Yes.\n\nChannel 0: So when I break down this table, we have the 159,000 of life insurance and total disability. That's exactly the same that you currently have.\n\nChannel 1: Mhmm.\n\nChannel 0: It has a buyback option. So if you claim on your disability, it reduces your life insurance. That makes it cheaper, but then it fills it back up again. So both are identical in options. And then your income protection, we've recommended just the 70% of your income, which is about $30 different than what you currently have insured, but it's exactly\n\nChannel 1: Okay.\n\nChannel 0: the same in terms of waiting period and benefit period. So ninety day waiting period, two year benefit period, that's the same that you currently have.\n\nChannel 1: Mhmm.\n\nChannel 0: And you can see under there, yearly premium after rebate is $7.62. Gross premium is $8.97. And on the next page, we have the Neos premium, which is $1,888.20.\n\nChannel 1: Yep. That's the current one at the moment, isn't it? Isn't\n\nChannel 0: Correct.\n\nChannel 1: it? Yep. Yep. Okay.\n\nChannel 0: Now if you go down a little bit further, you'll start seeing so, again, the best interest duty is just talking about it's more affordable for the same cover, and then there's some projections updated there just showing the impact premiums have and advantages\n\nChannel 1: Yep.\n\nChannel 0: disadvantages table. But what I wanna bring you down to is oh, no. That screenshot seems to be missing. So I did a comparison with our software that was showing Zurich having basically an identical but slightly higher feature score than your Neos policy, which basically means all of the fine print under the hood and all the little features about what you can and can't claim on. It's basically an 84 out of a 100 instead of an 83 with also the huge reduction in the premiums.\n\nSo all in all, like, I just see benefit in terms of cost and quality, and I don't see any reason not to try and obtain that policy.\n\nChannel 1: Okay. Yeah. Yeah. Makes sense to me.\n\nChannel 0: So the question I'm gonna ask you is when you go through the underwriting process, they go through health and occupation details.\n\nChannel 1: Mhmm.\n\nChannel 0: In terms of your previous policy, I'm just bringing up the inception date, and just bear with me for a moment. We've got 2026 Nios schedule. It was put in place in twenty twenty one, November. So what I'm wondering is have you had any health concerns whatsoever between November 2021 and today that I kind of what I usually do is a bit of an anonymous pre assessment to make sure\n\nChannel 1: Sure.\n\nChannel 0: we don't go through all of the application process and then have them say, oh, but this has popped up, so we're gonna give you you know, you've had a knee reconstruction, and now we\n\nChannel 1: Yeah.\n\nChannel 0: can't claim on the knee, but the nails\n\nChannel 1: Yeah.\n\nChannel 0: does\n\nChannel 1: Gotcha.\n\nChannel 0: give that. Do you know what I\n\nChannel 1: Like yeah. Sure. That's\n\nChannel 0: mean?\n\nChannel 1: that makes sense. The only thing that, I guess, since since then is\n\nChannel 0: Yeah.\n\nChannel 1: not surgery wise, but I guess in terms of my medical history,\n\nChannel 0: Yep.\n\nChannel 1: I was diagnosed with an underactive thyroid. So I'm currently on medication for that. So that's definitely a change\n\nChannel 0: Okay.\n\nChannel 1: since from, I guess, when it was from the the previous policy date.\n\nChannel 0: Yep. Perfect. With the underactive thyroid, do you know if your, like, your tests and your levels are back to normal with the medication?\n\nChannel 1: The last last one test I had. Yes. Yes. So it was all it was all fine.\n\nChannel 0: Perfect. And when we go through the application, so we we have a specialist. His name is Jack, and he usually goes through quite in detail all of the health and occupation history. And what he'll end up asking you on that day is essentially, like, what is the medication name, what's the dosage,\n\nChannel 1: Yep.\n\nChannel 0: when was it diagnosed, and what was the readings of your last checkup. As much as you can, anything you\n\nChannel 1: Yep.\n\nChannel 0: can't answer, they'll probably just do, like, a doctor's report to check. K? Doctor's report to check.\n\nChannel 1: Mhmm. Mhmm. Okay.\n\nChannel 0: Okay? Was there anything previously before 2021, any major injuries or diagnosis that we had when we first put the in place? I just couldn't see that\n\nChannel 1: Nothing\n\nChannel 0: on\n\nChannel 1: that\n\nChannel 0: the\n\nChannel 1: is\n\nChannel 0: current\n\nChannel 1: coming\n\nChannel 0: pulse.\n\nChannel 1: to mind. No. Nothing. No.\n\nChannel 0: Yep. And that's fine.\n\nChannel 1: Nothing.\n\nChannel 0: I didn't\n\nChannel 1: Yeah.\n\nChannel 0: see\n\nChannel 1: Nothing\n\nChannel 0: any loadings\n\nChannel 1: is coming\n\nChannel 0: or\n\nChannel 1: to me.\n\nChannel 0: exclusion,\n\nChannel 1: Yeah.\n\nChannel 0: so it looked\n\nChannel 1: Yeah.\n\nChannel 0: fine. You know, they'll check things like height and weight to make sure there's no major issues with BMI. They'll check occupation, which is pretty well office space for yourself. I don't really\n\nChannel 1: Yes.\n\nChannel 0: see any risks in the occupation there.\n\nChannel 1: Yep.\n\nChannel 0: Let me just double check. So and you're obviously not working with any kind of, like, chemicals or anything\n\nChannel 1: No.\n\nChannel 0: like that.\n\nChannel 1: No.\n\nChannel 0: Yeah. So I did wanna just, yeah, ask the question. Do you want to to try and go through and apply for that type of replacement policy and and get the premiums\n\nChannel 1: Yeah. That'd be great.\n\nChannel 0: down? Cool. Outside of that, one thing I do have to let you know for disclosure purposes is in the in the statement of advice, we list out our current fees for the super. Whenever\n\nChannel 1: Mhmm.\n\nChannel 0: we do an insurance policy, whether it's through Neos, Zurich, TAL, any new applications, the insurer pays the advisers 66% of the first year's premiums for that insurance advice, and it's just paid from the insurer to the adviser. From that point, we are paid, like, a 22% trailing commission on either the Neos or the Zurich policy for managing the policy with you in terms of, like, if you have a claim, we can help you through the claims process. So I just wanted to let you know that I've updated those figures at the bottom of the document that if we were to switch over to Zurich, we would get a small upfront commission, and then the trailing commission would reduce in line with the premium. So if you could\n\nChannel 1: Okay.\n\nChannel 0: have a little look down to page 39 for me,\n\nChannel 1: Yep. Yep.\n\nChannel 0: you should see remuneration there, and it's just got it listed there to make sure you're comfortable with that too.\n\nChannel 1: Okay. What page for that again?\n\nChannel 0: 39 should have\n\nChannel 1: 30 nine. Okay. Yeah. I haven't gone quite far\n\nChannel 0: it's\n\nChannel 1: enough\n\nChannel 0: it's right\n\nChannel 1: yet.\n\nChannel 0: down.\n\nChannel 1: No. I can yeah. Now I can yep. I can yep. I'm I'm at the right page now.\n\nChannel 0: Perfect.\n\nChannel 1: Yep.\n\nChannel 0: Right.\n\nChannel 1: Okay.\n\nChannel 0: Alright. Yeah. So there's no again, there's no kickbacks or anything from any insurer. It's just kind of standard across the industry there, but I just need to let you know that that's what we would be paid for putting that in place.\n\nChannel 1: Mhmm. Okay.\n\nChannel 0: Outside of that, so what I've included in the Odoo sign, that's the one with the signature request and the purple buttons and everything just like the annual review pack, is I've included a product disclosure document for both Hub twenty four because you're still holding that super fund and also\n\nChannel 1: Mhmm.\n\nChannel 0: one for Zurich as well, which is just everything you could ever wanna know about their policies just like the Neos one.\n\nChannel 1: Okay. Yep.\n\nChannel 0: Outside of that, if you're comfortable with it, we've also included a quote, which essentially acts as the application start point. So if you're\n\nChannel 1: Mhmm.\n\nChannel 0: comfortable with the quote, you would basically sign the statement of advice and the quote, and then I would book you in with Jack just to go through the application.\n\nChannel 1: Okay. I'm just looking at that now.\n\nChannel 0: Now I do apologize before when I sent the two emails there. I'm wondering if you actually have the the one with the subject heading signature request overview or just the overview one without that at the start.\n\nChannel 1: It looks like I've only got the Oakview one.\n\nChannel 0: K. So what I might do is I'll give that a little bit of a resend. And if that doesn't come through, I might actually switch it over to our secondary provider, which is sign now. It's a blue one.\n\nChannel 1: Mhmm.\n\nChannel 0: And I might I'll send you a text if I do that. But I'm just gonna hit resend on that one. See if that one comes through. Alrighty. And I'm just having a scroll through the documents myself as well.\n\nSo it goes statement of advice with an authority to proceed at the bottom. And there'll be a text box just to see if you wanna vary any of the recommendations. But if you're happy with all of them, you can just write NA in there and then a quote. Quite a long quote, unfortunately. And that's about it.\n\nI'm not sure if that signature request email is coming through at the moment or not.\n\nChannel 1: Not yet. No.\n\nChannel 0: No. That's okay. I might try the alternative platform there. And\n\nChannel 1: Mhmm.\n\nChannel 0: if you accidentally get a flood of emails from both the the o do purple and the blue one, please don't sign all of them. Just do one and please\n\nChannel 1: Sure.\n\nChannel 0: let us know if they all\n\nChannel 1: Okay.\n\nChannel 0: start coming through randomly in the next half an hour.\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Now, Zimina, any questions on the advice so far? Are you happy with everything we've come up with?\n\nChannel 1: I'm I'm yep. I'm happy with everything we covered so far.\n\nChannel 0: Perfect. The one other question I had was really just a courtesy question regarding the Commonwealth Colonial account is\n\nChannel 1: Mhmm.\n\nChannel 0: the risk level for Colonial is, again, growth, which lines up with the super. So that's all I wanted to check was making sure that you weren't in a really high risk investment inadvertently. The other thing I did wanna flag was I had a look at the growth funds that they have you in. It really does have quite a large investment fee attached to it of about 1.6%, which is about eight times as much as the portfolio that we've got your super in. The other thing was just I don't know if you feel like your account's been growing well the last few years, but the performance they list on their website was about 1.5% returns over the last five years, which\n\nChannel 1: Mhmm.\n\nChannel 0: quite quite low in comparison to what you're aiming for for a growth portfolio.\n\nChannel 1: Yeah.\n\nChannel 0: So I did just wanna flag it with you\n\nChannel 1: Yeah.\n\nChannel 0: as\n\nChannel 1: No.\n\nChannel 0: an\n\nChannel 1: That's\n\nChannel 0: observation.\n\nChannel 1: that's yeah. No. That's good. I I have I do feel it has been a bit up and down recently. And, I mean, I know the market has been the same, but I've been a bit I must admit, I have been a bit disappointed in the recent returns with that one.\n\nSo\n\nChannel 0: Yeah.\n\nChannel 1: yeah.\n\nChannel 0: If at any point you would like investment advice, like, we do do investment accounts, even Hub twenty four offers investment accounts that link up to your super fund, and there's things like that. So if you would like to do that over the next couple of months or even in a year's time, I can do a full review of that investment,\n\nChannel 1: Mhmm.\n\nChannel 0: maybe look at some alternative investments, alternative providers, if that's something that you you would like.\n\nChannel 1: Yes. It's definitely something I I would be interested in. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: I think\n\nChannel 0: Is\n\nChannel 1: it'd\n\nChannel 0: that\n\nChannel 1: be good\n\nChannel 0: something\n\nChannel 1: to do\n\nChannel 0: that\n\nChannel 1: that.\n\nChannel 0: you want me to kind of go over with you over the next quarter, or do you wanna kinda just let it go for a little while? What would be your preference?\n\nChannel 1: I'd be happy. No. I'd be happy to do it over the next quarter. Yeah. That'd be\n\nChannel 0: Yep.\n\nChannel 1: good. I mean, I've I've either you or your colleague because I know you'll be on leave soon.\n\nChannel 0: Yeah. So what I'm thinking is I will get a third party authority form drawn up with you that account number that you've sent us, and\n\nChannel 1: Mhmm.\n\nChannel 0: then we will basically just send that through to Commonwealth, get a full breakdown of all fees, performance, and details of the investments, and then we'll start doing some research and comparisons. When I\n\nChannel 1: Yep.\n\nChannel 0: come back after leave, then we'll have a bit of an updated discussion after that just to kind of get a bit of a game plan together.\n\nChannel 1: Yeah. That sounds fantastic. No. That\n\nChannel 0: Yep.\n\nChannel 1: sounds great. Yep. That'd be\n\nChannel 0: Now\n\nChannel 1: great.\n\nChannel 0: before I let you go with that account, is that something that you're putting regular investments into, or is it mainly just kind of growing on its own?\n\nChannel 1: No. That one also has a regular savings plan set up attached with it.\n\nChannel 0: K. How much would that be for?\n\nChannel 1: Yeah. I think it's 100 a month I'm putting in.\n\nChannel 0: Yep. 100 per month. And it was around about 77,000 in balance at the moment.\n\nChannel 1: Mhmm. The I think the last statement said said about that. Yes.\n\nChannel 0: Yep. So what I'll do, I I don't wanna kind of overwhelm with too many things because it can be a lot of applications and forms and documents and conversations, and we're already at a bit of a limit now. So what I wanna\n\nChannel 1: Sure.\n\nChannel 0: do\n\nChannel 1: Sure.\n\nChannel 0: is I'll get you booked in for that Zurich application. So, hopefully, that get that sorted for you.\n\nChannel 1: Right.\n\nChannel 0: We will as soon as we get the signed documents for this advice back, we will jump on to Hub and switch your investments around.\n\nChannel 1: Mhmm.\n\nChannel 0: We'll send through that third party authority so we can research the Commonwealth. And then when I get back, we'll just have a little bit of an updated chat about risk levels for the personal account and options, you know, fees for advice, what we can do in terms of small versus large platforms, and just kind of have a bit of a refresh chat about what you can and can't do. And then once you give me some direction from there, I'll update your advice to include the investment account. Wonderful. Any questions for me before I let you go?\n\nChannel 1: Wonderful. Uh-huh. No. I've everything makes sense.\n\nChannel 0: Cool. As long as it makes sense, that's the most important thing because I know these these documents can get very wording heavy, and we're throwing a lot of jargon around as\n\nChannel 1: Yep.\n\nChannel 0: long as you know what we're doing and why.\n\nChannel 1: Yeah. No. No. No. That all makes you build that clearly.\n\nChannel 0: Perfect. So from here, is there a good day and time to go through that insurance application with Jack? Ideally,\n\nChannel 1: No. Oh,\n\nChannel 0: if\n\nChannel 1: yeah.\n\nChannel 0: possible, I'm thinking, like, Monday next week if you can, but any day that you can, we will make available.\n\nChannel 1: Yeah. No. That's fine. That's fine. Anytime next week will be will be fine.\n\nChannel 0: Yep.\n\nChannel 1: I I'm just I know the only I know I'm not available the first week of July, but but, yeah, any any other time next week is is fine.\n\nChannel 0: Yep. Perfect. So I'll put in a note on the account that the first week of July is a bit of a block out for contact. And then I'm thinking would you prefer morning or afternoon?\n\nChannel 1: Usually, mornings are good for me.\n\nChannel 0: Yep. And there's no daylight savings now. Thank gosh. So it's about eleven\n\nChannel 1: Yeah.\n\nChannel 0: thirty two over there,\n\nChannel 1: That's\n\nChannel 0: which is nice. That always throws me.\n\nChannel 1: yes. We're on we're on the same.\n\nChannel 0: Perfect.\n\nChannel 1: And\n\nChannel 0: So what\n\nChannel 1: I\n\nChannel 0: I\n\nChannel 1: guess\n\nChannel 0: can\n\nChannel 1: we can it's a bit\n\nChannel 0: do\n\nChannel 1: confusing some of our kids. What's in it?\n\nChannel 0: yeah.\n\nChannel 1: Yeah. I have\n\nChannel 0: Sometimes\n\nChannel 1: to\n\nChannel 0: I bounce around where it's like different states and there's four different conversations. Someone's in WA,\n\nChannel 1: remember.\n\nChannel 0: someone's in South Australia, and I'm\n\nChannel 1: Yeah.\n\nChannel 0: usually pretty quick at it, but sometimes you miss it up, and I don't like setting up the wrong appointment time. We do have quite a bit of availability Monday morning at around 09:30, if that works for you.\n\nChannel 1: So that's the eight dessert.\n\nChannel 0: Yeah. The June 8.\n\nChannel 1: Yeah. Anytime is fine on Monday because we have yeah.\n\nChannel 0: Perfect. So I'll put it in tentatively for 09:30 on the June 8 in the morning. And if you\n\nChannel 1: Yep.\n\nChannel 0: have any trouble at all, just contact the team and and let them know, and we'll send you a bit of a reminder text there as well.\n\nChannel 1: Okay. Great.\n\nChannel 0: And then after that so I'll get that alternative email sent out with the statement of advice, and I'll include that third party authority as well. If you have any trouble with all of these emails I'm sending you, please just contact the team, and and they'll help you fix it up.\n\nChannel 1: Okay.\n\nChannel 0: Awesome, Zimina. I really appreciate your time this morning. Really excited to get a few things going for you. But do you have any questions before I let you go?\n\nChannel 1: No. All good. And thanks so much for your help, and good good luck with your break.\n\nChannel 0: Thank you so much. I'm very much looking forward to it, and I'll I'll talk to you again when I get back.\n\nChannel 1: Okay then. Thanks a lot.\n\nChannel 0: Thank you. Bye.\n\nChannel 1: Okay. Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":0.08,"end":0.24,"sentiment":"neutral","sentiment_score":0.0632113441824913},{"text":"It's Amina speaking.","start":0.24,"end":1.22,"sentiment":"neutral","sentiment_score":0.0788438469171524}],"sentiment":"neutral","sentiment_score":0.07493572123348713,"channel":1,"num_words":4,"start":0.08,"end":1.22},{"sentences":[{"text":"Good morning, It's Tommy here from.","start":1.8399999,"end":4.1,"sentiment":"neutral","sentiment_score":0.24482694268226624},{"text":"How have you been?","start":4.16,"end":5.06,"sentiment":"neutral","sentiment_score":0.15100493654608727}],"sentiment":"neutral","sentiment_score":0.20729814022779464,"channel":0,"num_words":10,"start":1.8399999,"end":5.06},{"sentences":[{"text":"I'm good.","start":5.12,"end":5.6,"sentiment":"positive","sentiment_score":0.36626334488391876},{"text":"Thanks, Tommy.","start":5.6,"end":6.16,"sentiment":"positive","sentiment_score":0.5616946220397949},{"text":"How are you?","start":6.16,"end":6.98,"sentiment":"positive","sentiment_score":0.36364532510439557}],"sentiment":"positive","sentiment_score":0.420978844165802,"channel":1,"num_words":7,"start":5.12,"end":6.98},{"sentences":[{"text":"I'm doing absolutely fantastic.","start":6.8799996,"end":8.66,"sentiment":"positive","sentiment_score":0.7515487670898438},{"text":"Very excited to speak to you this morning.","start":8.88,"end":10.8,"sentiment":"positive","sentiment_score":0.7440392598509789},{"text":"Do you still have time for that advice discussion?","start":10.8,"end":13.38,"sentiment":"neutral","sentiment_score":0.21073290788465077}],"sentiment":"positive","sentiment_score":0.5169097770537648,"channel":0,"num_words":21,"start":6.8799996,"end":13.38},{"sentences":[{"text":"Yes.","start":13.679999,"end":13.92,"sentiment":"neutral","sentiment_score":0.19201594591140747},{"text":"Yes.","start":13.92,"end":14.24,"sentiment":"neutral","sentiment_score":0.23054006695747375},{"text":"That'd be great.","start":14.24,"end":14.88,"sentiment":"positive","sentiment_score":0.5393873850504557},{"text":"Thank you.","start":14.88,"end":15.62,"sentiment":"positive","sentiment_score":0.6889256536960602}],"sentiment":"positive","sentiment_score":0.48836706791605267,"channel":1,"num_words":7,"start":13.679999,"end":15.62},{"sentences":[{"text":"Amazing.","start":15.915,"end":16.315,"sentiment":"positive","sentiment_score":0.6029937267303467},{"text":"So I'm gonna email through your updated statement of advice.","start":16.315,"end":19.295,"sentiment":"neutral","sentiment_score":0.18707981258630751},{"text":"And","start":19.595001,"end":20.075,"sentiment":"neutral","sentiment_score":0.04806791618466377}],"sentiment":"neutral","sentiment_score":0.21015498073150715,"channel":0,"num_words":12,"start":15.915,"end":20.075},{"sentences":[{"text":"Mhmm.","start":19.895,"end":20.395,"sentiment":"neutral","sentiment_score":0.036235611885786057}],"sentiment":"neutral","sentiment_score":0.036235611885786057,"channel":1,"num_words":1,"start":19.895,"end":20.395},{"sentences":[{"text":"while that's coming through, I'm just gonna do the usual security check with you.","start":20.075,"end":24.494999,"sentiment":"neutral","sentiment_score":0.05886794041310038}],"sentiment":"neutral","sentiment_score":0.05886794041310038,"channel":0,"num_words":14,"start":20.075,"end":24.494999},{"sentences":[{"text":"Mhmm.","start":24.695,"end":25.195,"sentiment":"neutral","sentiment_score":0.019230978563427925}],"sentiment":"neutral","sentiment_score":0.019230978563427925,"channel":1,"num_words":1,"start":24.695,"end":25.195},{"sentences":[{"text":"Now the calls are recorded for training and quality purposes.","start":25.93,"end":29.470001,"sentiment":"neutral","sentiment_score":0.018814393505454063},{"text":"I'm registered with ASIC as adviser 1273105.","start":29.61,"end":33.55,"sentiment":"neutral","sentiment_score":0.033172895067504475},{"text":"Could you","start":33.61,"end":34.010002,"sentiment":"neutral","sentiment_score":0.01899460144340992}],"sentiment":"neutral","sentiment_score":0.024123337021783778,"channel":0,"num_words":19,"start":25.93,"end":34.010002},{"sentences":[{"text":"Mhmm.","start":33.99,"end":34.49,"sentiment":"neutral","sentiment_score":0.020384203642606735}],"sentiment":"neutral","sentiment_score":0.020384203642606735,"channel":1,"num_words":1,"start":33.99,"end":34.49},{"sentences":[{"text":"please confirm your date of birth and address?","start":34.010002,"end":36.67,"sentiment":"neutral","sentiment_score":0.017957176314666867}],"sentiment":"neutral","sentiment_score":0.017957176314666867,"channel":0,"num_words":8,"start":34.010002,"end":36.67},{"sentences":[{"text":"It's the second of the seventh 76 and 1 Nielson Avenue, Nottawalling, Victoria 3131.","start":37.11,"end":45.145,"sentiment":"neutral","sentiment_score":0.02158762062234538}],"sentiment":"neutral","sentiment_score":0.02158762062234538,"channel":1,"num_words":14,"start":37.11,"end":45.145},{"sentences":[{"text":"Fantastic.","start":45.784996,"end":46.284996,"sentiment":"positive","sentiment_score":0.5866544246673584},{"text":"Now that should be coming through to you pretty quickly to your Gmail address.","start":46.585,"end":50.684998,"sentiment":"positive","sentiment_score":0.3621362234864916},{"text":"Will you be able","start":50.745,"end":51.304996,"sentiment":"neutral","sentiment_score":0.11367779970169067}],"sentiment":"neutral","sentiment_score":0.32164593433078964,"channel":0,"num_words":19,"start":45.784996,"end":51.304996},{"sentences":[{"text":"Mhmm.","start":51.205,"end":51.705,"sentiment":"neutral","sentiment_score":0.1283179521560669}],"sentiment":"neutral","sentiment_score":0.1283179521560669,"channel":1,"num_words":1,"start":51.205,"end":51.705},{"sentences":[{"text":"to look on to the advice document with me today?","start":51.304996,"end":53.52,"sentiment":"neutral","sentiment_score":0.12252533212304115}],"sentiment":"neutral","sentiment_score":0.12252533212304115,"channel":0,"num_words":10,"start":51.304996,"end":53.52},{"sentences":[{"text":"Yeah.","start":54.405,"end":54.645,"sentiment":"neutral","sentiment_score":0.0424247682094574},{"text":"Sure.","start":54.645,"end":54.965,"sentiment":"neutral","sentiment_score":0.04208444058895111},{"text":"One second.","start":54.965,"end":55.765,"sentiment":"neutral","sentiment_score":0.018706495873630047},{"text":"I'll, you know, I'll bring I'll bring it up.","start":55.765,"end":58.184998,"sentiment":"neutral","sentiment_score":0.04209798388183117}],"sentiment":"neutral","sentiment_score":0.03852338888324224,"channel":1,"num_words":13,"start":54.405,"end":58.184998},{"sentences":[{"text":"That's okay.","start":58.48,"end":59.38,"sentiment":"neutral","sentiment_score":0.07468753680586815},{"text":"Now when you do get that email, because it is from the same system you received your annual review pack from, Just have a look down the bottom of the email, and there's a number of attachments there I wanted to walk you through 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if you go down a little bit further, you'll start seeing so, again, the best interest duty is just talking about it's more affordable for the same cover, and then there's some projections updated there just showing the impact premiums have and advantages","start":1009.18,"end":1023.82495,"sentiment":"neutral","sentiment_score":0.12047937808727677}],"sentiment":"neutral","sentiment_score":0.12047937808727677,"channel":0,"num_words":44,"start":1009.18,"end":1023.82495},{"sentences":[{"text":"Yep.","start":1023.595,"end":1024.095,"sentiment":"neutral","sentiment_score":-0.13751813769340515}],"sentiment":"neutral","sentiment_score":-0.13751813769340515,"channel":1,"num_words":1,"start":1023.595,"end":1024.095},{"sentences":[{"text":"disadvantages table.","start":1023.96497,"end":1025.245,"sentiment":"neutral","sentiment_score":-0.15628562122583387},{"text":"But what I wanna bring you down to is oh, no.","start":1025.245,"end":1029.965,"sentiment":"neutral","sentiment_score":-0.11979627168991348},{"text":"That screenshot seems to be missing.","start":1029.965,"end":1031.405,"sentiment":"neutral","sentiment_score":-0.3276555836200714},{"text":"So I did a comparison with our software that was showing Zurich having basically an identical but slightly higher feature score than your Neos policy, which basically means all of the fine print under the hood and all the little features about what you can and can't claim on.","start":1031.405,"end":1048.035,"sentiment":"neutral","sentiment_score":0.00800906836378331},{"text":"It's basically an 84 out of a 100 instead of an 83 with also the huge reduction in the premiums.","start":1048.115,"end":1054.535,"sentiment":"neutral","sentiment_score":0.04344205390661955}],"sentiment":"neutral","sentiment_score":-0.026533844372765583,"channel":0,"num_words":88,"start":1023.96497,"end":1054.535},{"sentences":[{"text":"So all in all, like, I just see 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we","start":1109.525,"end":1118.405,"sentiment":"neutral","sentiment_score":-0.07756801428539413}],"sentiment":"neutral","sentiment_score":-0.07756801428539413,"channel":0,"num_words":35,"start":1109.525,"end":1118.405},{"sentences":[{"text":"Yeah.","start":1118.1849,"end":1118.6849,"sentiment":"neutral","sentiment_score":-0.04661199077963829}],"sentiment":"neutral","sentiment_score":-0.04661199077963829,"channel":1,"num_words":1,"start":1118.1849,"end":1118.6849},{"sentences":[{"text":"can't claim on the knee, but the 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is","start":1127.3049,"end":1132.59,"sentiment":"neutral","sentiment_score":-0.07154502049088478}],"sentiment":"neutral","sentiment_score":-0.032227327617315144,"channel":1,"num_words":13,"start":1125.3849,"end":1132.59},{"sentences":[{"text":"Yeah.","start":1132.635,"end":1133.135,"sentiment":"neutral","sentiment_score":-0.051129210740327835}],"sentiment":"neutral","sentiment_score":-0.051129210740327835,"channel":0,"num_words":1,"start":1132.635,"end":1133.135},{"sentences":[{"text":"not surgery wise, but I guess in terms of my medical 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change","start":1146.6699,"end":1148.5299,"sentiment":"neutral","sentiment_score":-0.19538576006889344}],"sentiment":"neutral","sentiment_score":-0.269660588942076,"channel":1,"num_words":19,"start":1141.7899,"end":1148.5299},{"sentences":[{"text":"Okay.","start":1148.5701,"end":1149.0701,"sentiment":"neutral","sentiment_score":-0.08628113567829132}],"sentiment":"neutral","sentiment_score":-0.08628113567829132,"channel":0,"num_words":1,"start":1148.5701,"end":1149.0701},{"sentences":[{"text":"since from, I guess, when it was from the the previous policy date.","start":1148.725,"end":1154.1849,"sentiment":"neutral","sentiment_score":-0.08245343600328152}],"sentiment":"neutral","sentiment_score":-0.08245343600328152,"channel":1,"num_words":13,"start":1148.725,"end":1154.1849},{"sentences":[{"text":"Yep.","start":1154.49,"end":1154.65,"sentiment":"neutral","sentiment_score":0.1566152423620224},{"text":"Perfect.","start":1154.65,"end":1155.15,"sentiment":"positive","sentiment_score":0.4226217567920685},{"text":"With the underactive thyroid, do you know if your, like, your tests and your levels are back to normal with the medication?","start":1155.6901,"end":1163.975,"sentiment":"neutral","sentiment_score":0.09321158497848293}],"sentiment":"neutral","sentiment_score":0.10957882786169648,"channel":0,"num_words":24,"start":1154.49,"end":1163.975},{"sentences":[{"text":"The last last one test I 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you","start":1194.845,"end":1197.085,"sentiment":"neutral","sentiment_score":-0.10553110976304327}],"sentiment":"neutral","sentiment_score":-0.05012833923101425,"channel":0,"num_words":20,"start":1190.525,"end":1197.085},{"sentences":[{"text":"Yep.","start":1196.8501,"end":1197.3501,"sentiment":"neutral","sentiment_score":-0.2174019068479538}],"sentiment":"neutral","sentiment_score":-0.2174019068479538,"channel":1,"num_words":1,"start":1196.8501,"end":1197.3501},{"sentences":[{"text":"can't answer, they'll probably just do, like, a doctor's report to check.","start":1197.085,"end":1197.735,"sentiment":"neutral","sentiment_score":-0.20151760304967561},{"text":"K?","start":1197.735,"end":1198.235,"sentiment":"neutral","sentiment_score":-0.06232256442308426},{"text":"Doctor's report to 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there.","start":1235.88,"end":1237.98,"sentiment":"neutral","sentiment_score":-0.2045470199414662}],"sentiment":"neutral","sentiment_score":-0.2045470199414662,"channel":0,"num_words":7,"start":1235.88,"end":1237.98},{"sentences":[{"text":"Yep.","start":1238.005,"end":1238.505,"sentiment":"neutral","sentiment_score":0.0228945966809988}],"sentiment":"neutral","sentiment_score":0.0228945966809988,"channel":1,"num_words":1,"start":1238.005,"end":1238.505},{"sentences":[{"text":"Let me just double check.","start":1240.84,"end":1242.6,"sentiment":"neutral","sentiment_score":-0.014127848297357559},{"text":"So and you're obviously not working with any kind of, like, chemicals or 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just looking at that now.","start":1421.39,"end":1423.4099,"sentiment":"neutral","sentiment_score":-0.004022591436902682}],"sentiment":"neutral","sentiment_score":0.002700969044651304,"channel":1,"num_words":7,"start":1420.19,"end":1423.4099},{"sentences":[{"text":"Now I do apologize before when I sent the two emails there.","start":1426.33,"end":1430.83,"sentiment":"neutral","sentiment_score":-0.14098102723558745},{"text":"I'm wondering if you actually have the the one with the subject heading signature request overview or just the overview one without that at the start.","start":1431.05,"end":1439.915,"sentiment":"neutral","sentiment_score":-0.06976461582458936}],"sentiment":"neutral","sentiment_score":-0.09225400890174665,"channel":0,"num_words":38,"start":1426.33,"end":1439.915},{"sentences":[{"text":"It looks like I've only got the Oakview 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through.","start":1469.115,"end":1470.815,"sentiment":"neutral","sentiment_score":0.07279116349915664},{"text":"Alrighty.","start":1476.73,"end":1477.23,"sentiment":"neutral","sentiment_score":0.3027942180633545},{"text":"And I'm just having a scroll through the documents myself as well.","start":1479.37,"end":1481.77,"sentiment":"neutral","sentiment_score":0.2401289865374565}],"sentiment":"neutral","sentiment_score":0.12160779712721706,"channel":0,"num_words":40,"start":1460.475,"end":1481.77},{"sentences":[{"text":"So it goes statement of advice with an authority to proceed at the bottom.","start":1481.77,"end":1484.99,"sentiment":"neutral","sentiment_score":0.14713965569223678},{"text":"And there'll be a text box just to see if you wanna vary any of the recommendations.","start":1486.455,"end":1491.195,"sentiment":"neutral","sentiment_score":0.12818618644686305},{"text":"But if you're happy with all of them, you can just write NA in there and then a 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please","start":1525.2,"end":1526.8,"sentiment":"neutral","sentiment_score":-0.08768353313207626}],"sentiment":"neutral","sentiment_score":-0.19952364042401313,"channel":0,"num_words":30,"start":1517.695,"end":1526.8},{"sentences":[{"text":"Sure.","start":1526.6849,"end":1527.1849,"sentiment":"neutral","sentiment_score":0.005541974678635597}],"sentiment":"neutral","sentiment_score":0.005541974678635597,"channel":1,"num_words":1,"start":1526.6849,"end":1527.1849},{"sentences":[{"text":"let us know if they 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growth, which lines up with the super.","start":1551.79,"end":1556.1901,"sentiment":"neutral","sentiment_score":-0.0745809982929911},{"text":"So that's all I wanted to check was making sure that you weren't in a really high risk investment inadvertently.","start":1556.1901,"end":1562.6901,"sentiment":"neutral","sentiment_score":-0.21152282692492008},{"text":"The other thing I did wanna flag was I had a look at the growth funds that they have you in.","start":1563.31,"end":1568.8251,"sentiment":"neutral","sentiment_score":-0.11153488003072284},{"text":"It really does have quite a large investment fee attached to it of about 1.6%, which is about eight times as much as the portfolio that we've got your super in.","start":1569.365,"end":1583.82,"sentiment":"neutral","sentiment_score":-0.32791096861324004},{"text":"The other thing was just I don't know if you feel like your account's been growing well the last few years, but the performance they list on their website was about 1.5% returns over the last five years, which","start":1585.48,"end":1598.155,"sentiment":"neutral","sentiment_score":0.005799131611218819}],"sentiment":"neutral","sentiment_score":-0.1404471751153469,"channel":0,"num_words":125,"start":1551.79,"end":1598.155},{"sentences":[{"text":"Mhmm.","start":1597.8501,"end":1598.3501,"sentiment":"neutral","sentiment_score":-0.08691094815731049}],"sentiment":"neutral","sentiment_score":-0.08691094815731049,"channel":1,"num_words":1,"start":1597.8501,"end":1598.3501},{"sentences":[{"text":"quite quite low in comparison to what you're aiming for for a growth 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I'm thinking, like, Monday next week if you can, but any day that you can, we will make available.","start":1843.12,"end":1850.1799,"sentiment":"neutral","sentiment_score":0.06165127288550139}],"sentiment":"neutral","sentiment_score":0.06165127288550139,"channel":0,"num_words":20,"start":1843.12,"end":1850.1799},{"sentences":[{"text":"Yeah.","start":1850.8251,"end":1851.0651,"sentiment":"neutral","sentiment_score":0.052262257784605026},{"text":"No.","start":1851.0651,"end":1851.2251,"sentiment":"neutral","sentiment_score":0.034150056540966034},{"text":"That's fine.","start":1851.2251,"end":1851.9451,"sentiment":"neutral","sentiment_score":0.12887268513441086},{"text":"That's fine.","start":1851.9451,"end":1852.685,"sentiment":"neutral","sentiment_score":0.21606197208166122},{"text":"Anytime next week will be will be fine.","start":1853.8651,"end":1856.925,"sentiment":"neutral","sentiment_score":0.12084405682981014}],"sentiment":"neutral","sentiment_score":0.12450243452829975,"channel":1,"num_words":14,"start":1850.8251,"end":1856.925},{"sentences":[{"text":"Yep.","start":1857.4049,"end":1857.9049,"sentiment":"neutral","sentiment_score":0.09318889677524568}],"sentiment":"neutral","sentiment_score":0.09318889677524568,"channel":0,"num_words":1,"start":1857.4049,"end":1857.9049},{"sentences":[{"text":"I I'm just I know the only I know I'm not available the first week of July, but but, yeah, any any other time next week is is fine.","start":1857.7051,"end":1869.11,"sentiment":"neutral","sentiment_score":0.02708701750841634}],"sentiment":"neutral","sentiment_score":0.02708701750841634,"channel":1,"num_words":29,"start":1857.7051,"end":1869.11},{"sentences":[{"text":"Yep.","start":1869.74,"end":1870.14,"sentiment":"neutral","sentiment_score":0.17991045117378235},{"text":"Perfect.","start":1870.14,"end":1870.62,"sentiment":"positive","sentiment_score":0.3849776983261109},{"text":"So I'll put in a note on the account that the first week of July is a bit of a block out for contact.","start":1870.62,"end":1876.5599,"sentiment":"neutral","sentiment_score":0.21468807073930898},{"text":"And then I'm thinking would you prefer morning or afternoon?","start":1879.1649,"end":1883.345,"sentiment":"neutral","sentiment_score":0.07953365370631219}],"sentiment":"neutral","sentiment_score":0.1809093995640675,"channel":0,"num_words":36,"start":1869.74,"end":1883.345},{"sentences":[{"text":"Usually, mornings are good for me.","start":1886.865,"end":1889.2051,"sentiment":"neutral","sentiment_score":0.1536621836324533}],"sentiment":"neutral","sentiment_score":0.1536621836324533,"channel":1,"num_words":6,"start":1886.865,"end":1889.2051},{"sentences":[{"text":"Yep.","start":1889.58,"end":1889.9,"sentiment":"neutral","sentiment_score":0.09529350697994232},{"text":"And there's no daylight savings now.","start":1889.9,"end":1891.58,"sentiment":"neutral","sentiment_score":0.048141965021689735},{"text":"Thank gosh.","start":1891.58,"end":1892.2999,"sentiment":"neutral","sentiment_score":0.27194419503211975},{"text":"So it's about eleven","start":1892.2999,"end":1893.34,"sentiment":"neutral","sentiment_score":0.042471650056540966}],"sentiment":"neutral","sentiment_score":0.08445540672311416,"channel":0,"num_words":13,"start":1889.58,"end":1893.34},{"sentences":[{"text":"Yeah.","start":1893.12,"end":1893.62,"sentiment":"neutral","sentiment_score":0.05415104329586029}],"sentiment":"neutral","sentiment_score":0.05415104329586029,"channel":1,"num_words":1,"start":1893.12,"end":1893.62},{"sentences":[{"text":"thirty two over there,","start":1893.34,"end":1894.38,"sentiment":"neutral","sentiment_score":0.044866801239550114}],"sentiment":"neutral","sentiment_score":0.044866801239550114,"channel":0,"num_words":4,"start":1893.34,"end":1894.38},{"sentences":[{"text":"That's","start":1894.16,"end":1894.66,"sentiment":"neutral","sentiment_score":0.28161871433258057}],"sentiment":"neutral","sentiment_score":0.28161871433258057,"channel":1,"num_words":1,"start":1894.16,"end":1894.66},{"sentences":[{"text":"which is 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can it's a bit","start":1901.28,"end":1902.32,"sentiment":"neutral","sentiment_score":-0.12085210680961608}],"sentiment":"neutral","sentiment_score":-0.12085210680961608,"channel":1,"num_words":5,"start":1901.28,"end":1902.32},{"sentences":[{"text":"do","start":1902.285,"end":1902.785,"sentiment":"neutral","sentiment_score":-0.1972847729921341}],"sentiment":"neutral","sentiment_score":-0.1972847729921341,"channel":0,"num_words":1,"start":1902.285,"end":1902.785},{"sentences":[{"text":"confusing some of our kids.","start":1902.32,"end":1903.76,"sentiment":"neutral","sentiment_score":-0.18329399228096008},{"text":"What's in 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I'm","start":1911.0851,"end":1913.245,"sentiment":"neutral","sentiment_score":-0.007912445347756147}],"sentiment":"neutral","sentiment_score":-0.007912445347756147,"channel":0,"num_words":6,"start":1911.0851,"end":1913.245},{"sentences":[{"text":"Yeah.","start":1913.0349,"end":1913.5349,"sentiment":"neutral","sentiment_score":-0.017341379076242447}],"sentiment":"neutral","sentiment_score":-0.017341379076242447,"channel":1,"num_words":1,"start":1913.0349,"end":1913.5349},{"sentences":[{"text":"usually pretty quick at it, but sometimes you miss it up, and I don't like setting up the wrong appointment time.","start":1913.245,"end":1919.82,"sentiment":"neutral","sentiment_score":-0.10430754934038435},{"text":"We do have quite a bit of availability Monday morning at around 09:30, if that works for you.","start":1920.6799,"end":1927.5,"sentiment":"neutral","sentiment_score":0.08843610891037518}],"sentiment":"neutral","sentiment_score":-0.0153489378400338,"channel":0,"num_words":39,"start":1913.245,"end":1927.5},{"sentences":[{"text":"So that's the eight dessert.","start":1928.89,"end":1930.27,"sentiment":"neutral","sentiment_score":0.07430593818426132}],"sentiment":"neutral","sentiment_score":0.07430593818426132,"channel":1,"num_words":5,"start":1928.89,"end":1930.27},{"sentences":[{"text":"Yeah.","start":1931.015,"end":1931.255,"sentiment":"neutral","sentiment_score":0.06489820778369904},{"text":"The June 8.","start":1931.255,"end":1932.395,"sentiment":"neutral","sentiment_score":0.05097627515594164}],"sentiment":"neutral","sentiment_score":0.05445675831288099,"channel":0,"num_words":4,"start":1931.015,"end":1932.395},{"sentences":[{"text":"Yeah.","start":1936.035,"end":1936.195,"sentiment":"neutral","sentiment_score":0.1041225716471672},{"text":"Anytime is fine on Monday 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well.","start":1946.51,"end":1953.09,"sentiment":"neutral","sentiment_score":0.13704999205138949}],"sentiment":"neutral","sentiment_score":0.13704999205138949,"channel":0,"num_words":27,"start":1946.51,"end":1953.09},{"sentences":[{"text":"Okay.","start":1953.3099,"end":1953.7899,"sentiment":"positive","sentiment_score":0.35234346985816956},{"text":"Great.","start":1953.7899,"end":1954.2899,"sentiment":"positive","sentiment_score":0.6897965669631958}],"sentiment":"positive","sentiment_score":0.5210700184106827,"channel":1,"num_words":2,"start":1953.3099,"end":1954.2899},{"sentences":[{"text":"And then after that so I'll get that alternative email sent out with the statement of advice, and I'll include that third party authority as well.","start":1955.245,"end":1963.505,"sentiment":"neutral","sentiment_score":0.3064893466921953},{"text":"If you have any trouble with all of these emails I'm sending you, please just contact the team, and and they'll help you fix it up.","start":1963.885,"end":1969.8,"sentiment":"neutral","sentiment_score":0.11519842064724518}],"sentiment":"neutral","sentiment_score":0.21084388366972023,"channel":0,"num_words":52,"start":1955.245,"end":1969.8},{"sentences":[{"text":"Okay.","start":1970.405,"end":1970.905,"sentiment":"positive","sentiment_score":0.4163248538970947}],"sentiment":"positive","sentiment_score":0.4163248538970947,"channel":1,"num_words":1,"start":1970.405,"end":1970.905},{"sentences":[{"text":"Awesome, Zimina.","start":1972.52,"end":1973.3201,"sentiment":"positive","sentiment_score":0.7859127223491669},{"text":"I really appreciate your time this morning.","start":1973.3201,"end":1975.18,"sentiment":"positive","sentiment_score":0.8664171014513288},{"text":"Really excited to get a few things going for you.","start":1975.88,"end":1977.7201,"sentiment":"positive","sentiment_score":0.8699198782444},{"text":"But do you have any questions before I let you go?","start":1977.7201,"end":1979.8201,"sentiment":"neutral","sentiment_score":0.2102888599038124}],"sentiment":"positive","sentiment_score":0.6216373798747857,"channel":0,"num_words":30,"start":1972.52,"end":1979.8201},{"sentences":[{"text":"No.","start":1980.2301,"end":1980.55,"sentiment":"neutral","sentiment_score":0.03340992331504822},{"text":"All good.","start":1980.55,"end":1981.03,"sentiment":"positive","sentiment_score":0.3929004818201065},{"text":"And thanks so much for your help, and good good luck with your break.","start":1981.03,"end":1985.53,"sentiment":"positive","sentiment_score":0.7083770845617566}],"sentiment":"positive","sentiment_score":0.6315582394599915,"channel":1,"num_words":17,"start":1980.2301,"end":1985.53},{"sentences":[{"text":"Thank you so much.","start":1986.2949,"end":1987.1749,"sentiment":"positive","sentiment_score":0.8483231216669083},{"text":"I'm very much looking forward to it, and I'll I'll talk to you again when I get back.","start":1987.1749,"end":1991.3789,"sentiment":"positive","sentiment_score":0.6991498950454924}],"sentiment":"positive","sentiment_score":0.7262722998857498,"channel":0,"num_words":22,"start":1986.2949,"end":1991.3789},{"sentences":[{"text":"Okay then.","start":1991.679,"end":1992.1589,"sentiment":"positive","sentiment_score":0.40438850224018097},{"text":"Thanks a lot.","start":1992.1589,"end":1992.9789,"sentiment":"positive","sentiment_score":0.7503047784169515}],"sentiment":"positive","sentiment_score":0.6119382679462433,"channel":1,"num_words":5,"start":1991.679,"end":1992.9789},{"sentences":[{"text":"Thank you.","start":1993.299,"end":1993.939,"sentiment":"positive","sentiment_score":0.698152095079422},{"text":"Bye.","start":1993.939,"end":1994.439,"sentiment":"positive","sentiment_score":0.3869575262069702}],"sentiment":"positive","sentiment_score":0.5944205721219381,"channel":0,"num_words":3,"start":1993.299,"end":1994.439},{"sentences":[{"text":"Okay.","start":1994.319,"end":1994.819,"sentiment":"neutral","sentiment_score":0.23994064331054688},{"text":"Bye.","start":1994.8789,"end":1995.3789,"sentiment":"neutral","sentiment_score":-0.100188709795475}],"sentiment":"neutral","sentiment_score":0.06987596675753593,"channel":1,"num_words":2,"start":1994.319,"end":1995.3789}]},"summary":{"result":"success","short":"Representatives from ASIC advise and investment advice discuss the benefits of a new investment option, including rebalancing investments and improving performance over time. They also provide advice on removing and replacing assets, risk levels, and underperforming investments. The agents emphasize the importance of keeping everything under the sun and improving performance over time, and offer follow-up appointments for customer review and investment advice. The agents also provide information on fees and insurance advice and offer to resend a signature request document and provide a quote."},"intents":{"segments":[{"text":"We were having a bit of a IT trouble yesterday, which I was hoping was resolved at the moment. So I know my laptop's a little bit slow on the Internet. Yeah.","start_word":288,"end_word":319,"intents":[{"intent":"Address technical issue","confidence_score":0.00003514179}]},{"text":"I did ring them, and Oh, yeah? that is what they sent me through. So I don't to me, it looks exactly the same as my quarterly statement. Yep. So I don't know if there's any relevant in if the interim that's the information you needed or not. It does yeah.","start_word":433,"end_word":483,"intents":[{"intent":"Verify information","confidence_score":0.0017671821}]},{"text":"And then in terms of what we're not giving advice on is we're not giving you budgeting advice towards, you know, saving for deposits and purchasing property, and we're not currently giving you a recommendation on the Colonial Investment account. Mhmm. Yep.","start_word":1000,"end_word":1041,"intents":[{"intent":"Explain and inform about advice","confidence_score":6.530314e-7}]},{"text":"So what we've basically recommended is replace that option like for life with a better option and then Yep. just rebalance your investments back in line with that original model portfolio that we built for you.","start_word":1400,"end_word":1435,"intents":[{"intent":"Rebalancing investments","confidence_score":0.08042891}]},{"text":"disadvantage always with Oakview portfolios is that we use a lot of ETFs, which very, very low fees, but you have to do that small purchase upfront to actually purchase the ETFs, which is like a 0.11%, and then they're very cheap going forward after that point. Now if Okay.","start_word":1544,"end_word":1593,"intents":[{"intent":"Utilizing etfs for portfolios","confidence_score":0.000013460975}]},{"text":"But I did come up with an interesting comparison for the insurances.","start_word":2064,"end_word":2075,"intents":[{"intent":"Compare insurance prices","confidence_score":0.011419651}]},{"text":"So let me do I'll go through these last two pages on the super side, and then I wanna kind of break down the insurance recommendations. Just make sure you're comfortable with them first. Sure.","start_word":2351,"end_word":2385,"intents":[{"intent":"Break down insurance recommendations","confidence_score":0.23118724}]},{"text":"So it's kind of showing a good 100 to $200,000 benefit over five to ten years, which is quite large.","start_word":2433,"end_word":2452,"intents":[{"intent":"Show benefit over five years","confidence_score":0.004096597}]},{"text":"So that's kind of where we're thinking things are gonna end up. And once you get past that ten year mark, you'll be about six or seven years off retirement to start reducing your risk level as well.","start_word":2500,"end_word":2537,"intents":[{"intent":"Reduce risk","confidence_score":0.037735477}]},{"text":"can kind of finish off that retirement analysis when you're a bit closer to retirement. Okay.","start_word":2542,"end_word":2557,"intents":[{"intent":"End retirement analysis","confidence_score":0.004958094}]},{"text":"So all in all, like, I just see benefit in terms of cost and quality, and I don't see any reason not to try and obtain that policy. Okay.","start_word":2990,"end_word":3018,"intents":[{"intent":"Evaluate policy benefits","confidence_score":0.03216759}]},{"text":"can't claim on the knee, but the nails Yeah. does Gotcha.","start_word":3157,"end_word":3167,"intents":[{"intent":"Qualify for insurance","confidence_score":0.0000671524}]},{"text":"Outside of that, one thing I do have to let you know for disclosure purposes is in the in the statement of advice, we list out our current fees for the super. Whenever Mhmm. we do an insurance policy, whether it's through Neos, Zurich, TAL, any new applications, the insurer pays the advisers 66% of the first year's premiums for that insurance advice, and it's just paid from the insurer to the adviser.","start_word":3543,"end_word":3615,"intents":[{"intent":"Evaluate insurance premiums","confidence_score":0.010066596}]},{"text":"you should see remuneration there, and it's just got it listed there to make sure you're comfortable with that too. Okay.","start_word":3723,"end_word":3743,"intents":[{"intent":"Confirm remuneration","confidence_score":0.0014172527}]},{"text":"The one other question I had was really just a courtesy question regarding the Commonwealth Colonial account is Mhmm.","start_word":4270,"end_word":4288,"intents":[{"intent":"Check courtesy question","confidence_score":0.00004542454}]},{"text":"come back after leave, then we'll have a bit of an updated discussion after that just to kind of get a bit of a game plan together. Yeah.","start_word":4735,"end_word":4762,"intents":[{"intent":"Have a conversation","confidence_score":0.003323453}]},{"text":"before I let you go with that account, is that something that you're putting regular investments into, or is it mainly just kind of growing on its own? No.","start_word":4775,"end_word":4803,"intents":[{"intent":"Grow on own","confidence_score":0.01207451},{"intent":"Get account","confidence_score":0.0023453787}]},{"text":"We'll send through that third party authority so we can research the Commonwealth.","start_word":4953,"end_word":4965,"intents":[{"intent":"Research the feder","confidence_score":0.004086405}]},{"text":"And then when I get back, we'll just have a little bit of an updated chat about risk levels for the personal account and options, you know, fees for advice, what we can do in terms of small versus large platforms, and just kind of have a bit of a refresh chat about what you can and can't do. And then once you give me some direction from there, I'll update your advice to include the investment account. Wonderful.","start_word":4966,"end_word":5044,"intents":[{"intent":"Update advice","confidence_score":0.0048209406}]},{"text":"Wonderful.","start_word":5044,"end_word":5044,"intents":[{"intent":"Get guidance","confidence_score":0.009962382}]},{"text":"So from here, is there a good day and time to go through that insurance application with Jack?","start_word":5115,"end_word":5132,"intents":[{"intent":"Schedule insurance application","confidence_score":0.15896305}]}]},"sentiments":{"segments":[{"text":"Hi. It's Amina speaking. Good morning, It's Tommy here from. How have you been?","start_word":0,"end_word":13,"sentiment":"neutral","sentiment_score":0.16106994450092316},{"text":"I'm good. Thanks, Tommy. How are you? I'm doing absolutely fantastic. Very excited to speak to you this morning.","start_word":14,"end_word":32,"sentiment":"positive","sentiment_score":0.5998315215110779},{"text":"Do you still have time for that advice discussion? Yes. Yes.","start_word":33,"end_word":43,"sentiment":"neutral","sentiment_score":0.21818162500858307},{"text":"That'd be great. Thank you. Amazing.","start_word":44,"end_word":49,"sentiment":"positive","sentiment_score":0.582171618938446},{"text":"So I'm gonna email through your updated statement of advice. And Mhmm. while that's coming through, I'm just gonna do the usual security check with you. Mhmm. Now the calls are recorded for training and quality purposes. I'm registered with ASIC as adviser 1273105. Could you Mhmm. please confirm your date of birth and address? It's the second of the seventh 76 and 1 Nielson Avenue, Nottawalling, Victoria 3131.","start_word":50,"end_word":118,"sentiment":"neutral","sentiment_score":0.05192681774497032},{"text":"Fantastic. Now that should be coming through to you pretty quickly to your Gmail address.","start_word":119,"end_word":133,"sentiment":"positive","sentiment_score":0.3722299039363861},{"text":"Will you be able Mhmm. to look on to the advice document with me today? Yeah. Sure. One second. I'll, you know, I'll bring I'll bring it up. That's okay. Now when you do get that email, because it is from the same system you received your annual review pack from, Just have a look down the bottom of the email, and there's a number of attachments there I wanted to walk you through first. Okay. Sure. Just one second. No worries at all. I'm just gonna grab up the documents as well, and please take your time. Haven't come through as yet. Dokey. And if you wanna maybe have a look at your spam folder as well, unless you've already Yep. checked that. Alright. I'll just check that one second. And I'm gonna actually send it from my personal email as well just in case there's a bit of a backup. Price. Financial. We were having a bit of a IT trouble yesterday, which I was hoping was resolved at the moment. So I know my laptop's a little bit slow on the Internet. Yeah. No. It hasn't. I still haven't searched, and I've checked other spots where it might have gone, but no. It hasn't hasn't Alright. popped up. Actually, that actually works out pretty well because I'm gonna send it through from my personal email address, which may take about a minute or so just because of the attachment sizes because there's so many product documents along with it. And there it's about two and a half thousand pages of extra documents that come alongside it. So I'm gonna pop this through, but I wanted to have a quick chat to you about that investment account that you sent through the the document for. Sure. Yes. I did ring them, and Oh, yeah? that is what they sent me through. So I don't to me, it looks exactly the same as my quarterly statement. Yep. So I don't know if there's any relevant in if the interim that's the information you needed or not. It does yeah. Yeah. I was actually able to decipher it, and it did Okay.","start_word":134,"end_word":495,"sentiment":"neutral","sentiment_score":0.036405392366754746},{"text":"look really good.","start_word":496,"end_word":498,"sentiment":"positive","sentiment_score":0.5738222599029541},{"text":"It was the the funny thing about it was Colonial sent it through in a very, very old format, and it's Mhmm. not similar to, like, a new platform where you get, like, a lovely colorful statement with tables and graphs and things like that. It's very reminiscent of the old, like, share portfolios and things like that. Sure. It did include your account number, which is perfect, Yes. your Yep. balance, and Okay.","start_word":499,"end_word":572,"sentiment":"neutral","sentiment_score":0.1199084371328354},{"text":"Good. I was able to find the investment that it's in. That's great.","start_word":573,"end_word":585,"sentiment":"positive","sentiment_score":0.49014195799827576},{"text":"Because I did I I did raise it with them because they said to me that they've been sending things electronically, but I've never received anything electronically from them. And I tried to use Right. their portal and couldn't find anything. So I have raised that up with with them for them to follow that up at their end. Yep. I've only only ever received those statements.","start_word":586,"end_word":652,"sentiment":"neutral","sentiment_score":0.04063921049237251},{"text":"That's perfect.","start_word":653,"end_word":654,"sentiment":"positive","sentiment_score":0.5490338802337646},{"text":"They've So by I my did by have my oh, look. It's come through now.","start_word":655,"end_word":669,"sentiment":"neutral","sentiment_score":0.08707617223262787},{"text":"oh, amazing.","start_word":670,"end_word":671,"sentiment":"positive","sentiment_score":0.6087255477905273},{"text":"Now is it coming through from my email address? Like, what's the subject of the email, if you don't mind me No. asking? It's come through from your Ikeview one.","start_word":672,"end_word":701,"sentiment":"neutral","sentiment_score":0.060958947986364365},{"text":"Oh, perfect.","start_word":702,"end_word":703,"sentiment":"positive","sentiment_score":0.47291845083236694},{"text":"So has it is it listing a signature request in the title or just Oakview statement of It advice? just says updated state and advice, and Oh, it's perfect. got And there the should attachments. be all the purple buttons and everything? I've I've got all the relevant there's seven attachments to that one. Yep.","start_word":704,"end_word":758,"sentiment":"neutral","sentiment_score":0.12110090255737305},{"text":"Perfect.","start_word":759,"end_word":759,"sentiment":"positive","sentiment_score":0.5211868286132812},{"text":"So if you could just open up for me the statement of advice, and it should be listed as let me just get the exact name for you. So it's got today's date, and then it should just be dash statement of Yep. advice. Yep. Found it. Got Yep. it. Yep. Yep. Okay. With a Yep. nice big Gold Coast beachfront Mhmm. city Yes. view. Yes. Yep. I'm looking Sensational. at that one at the moment. So if you scroll down to page four, we've got the scope of advice that we were talking about during your review. Yes. Mhmm. And, essentially, we were just giving some superannuation advice just to update your portfolio at the moment. You were already doing the salary sacrifice, which we agreed was okay. And I Yep. was having a little bit of a look at your insurances because I thought your income protection might be a bit over insured if that rings a bell. Yes. It does. Yes. I remember that. Yep. There's some interesting turn of events that happen on the insurance side I wanna walk you through and get your thoughts on. But before Mhmm. I do that, if you go through to the next two pages, we've Mhmm. basically been listing what we're not currently giving advice on. Estate planning is included because of just reminders to make sure the beneficiaries and wills and everything are up to date. Mhmm. And then in terms of what we're not giving advice on is we're not giving you budgeting advice towards, you know, saving for deposits and purchasing property, and we're not currently giving you a recommendation on the Colonial Investment account. Mhmm. Yep. K? Now does that sound right to you from our discussion? Yep. Yep. Now if you go through a little bit further, let's just go through the advice and you go through there's a limited advice warning. Just basically Mhmm. explaining that we're not giving advice on everything under the sun. And if any of the information we have is Yep.","start_word":760,"end_word":1101,"sentiment":"neutral","sentiment_score":-0.023830841703895937},{"text":"inaccurate, that may impact things.","start_word":1102,"end_word":1106,"sentiment":"negative","sentiment_score":-0.41187843680381775},{"text":"We've got your details after Yep. that, which is your about you section and the assets and liabilities on the next page, which is just savings, the colonial accounts, your car. And I did get your salary from the pay slip that you sent through. So I've just Yep. put in there the $95.04 $7.02 that was listed on there. Right.","start_word":1107,"end_word":1167,"sentiment":"neutral","sentiment_score":0.014254255220294},{"text":"Perfect.","start_word":1168,"end_word":1168,"sentiment":"positive","sentiment_score":0.5339081287384033},{"text":"Now if you go through, you've got your Hub twenty four account. You've got your Neos insurances. And then if you go to page ten and eleven, you've got your growth risk profile. Yep. Now the first thing I wanted to note was that your personal investment account with Colonial or Commonwealth is also listed as a growth portfolio. Yes. Now I did double check the portfolio itself, and it has about 74% in growth assets, which is pretty common for a growth portfolio. Our risk profile is listing around 80 to 85, and that's kind Mhmm. of what we've got your super in. So they're a little bit different to each other. Your super is invested a little bit more aggressively than your colonial, but they're both Gotcha. pretty well similar in risk profile. Mhmm. Okay. K? Now if you go down a little bit further because that's one of the things I wanted to check, just making sure that you didn't have anything too high risk that you weren't aware of inside your personal account. Yep. And if you go through to probably the the wordiest part of the document, I'll summarize it for you. Page twelve and thirteen under strategy recommendations. Mhmm. So what I'm basically recommending is that we identified an underperforming investment within Hub twenty four, which was that.","start_word":1169,"end_word":1392,"sentiment":"neutral","sentiment_score":0.0013544201335337544},{"text":"Everything else was looking really, really good.","start_word":1393,"end_word":1399,"sentiment":"positive","sentiment_score":0.34317746758461},{"text":"So what we've basically recommended is replace that option like for life with a better option and then Yep. just rebalance your investments back in line with that original model portfolio that we built for you. Now rebalancing essentially just means we're just trimming off the ones that have grown and buying back into the ones that have dropped. So everything's back to the you know, if you have three options that are all ten percent and one goes up to twenty and one goes down to five, we just wanna bring them all back to the the baseline. Yep. Yep. Makes K? sense. Now in terms of advantages and disadvantages on the next table on the next page, essentially, it's keeping everything the same, but just improving the lower feet and the performance over one, three, five, and ten years. Now the Yep. disadvantage always with Oakview portfolios is that we use a lot of ETFs, which very, very low fees, but you have to do that small purchase upfront to actually purchase the ETFs, which is like a 0.11%, and then they're very cheap going forward after that point. Now if Okay. you go down two more pages, this this will be the last two detail pages. On 15, you'll see a big investments table with a lot of red and green text on it. Yes. Yep. I can see that. So all of the red ones are sell downs and all of the green ones are purchases. And, basically, the third row, you'll see the Benelon concentrated equities, which was that one that we're removing and replacing completely. Okay. Everything else is just getting reweighted back to I don't know if you can see the second last column, those flat percentages of the 4%, 4%, nine, four, Yep. four, five, six, twenty, and so on. And then at the bottom of that table, there's your new Australian shares option through a fund called Alfinity. That'll be your replacement for Benel. Oh, yeah. Yeah. Yep. Okay.","start_word":1400,"end_word":1737,"sentiment":"neutral","sentiment_score":0.07598778675999161},{"text":"That makes sense.","start_word":1738,"end_word":1740,"sentiment":"positive","sentiment_score":0.34654760360717773},{"text":"Yep. So everything else is just kind of a little bit of a reweight back to the round figures, and that one is the like for like sideways replacement. Mhmm. And then the next page just has your your minimum cash listed there as well. K. Last two is after that, you've got your pie chart on the asset allocation, the nice colorful pie chart there for you. And you should be able to see in the middle of that table, it says growth total, and it goes kind of 80%, 84, 84. Can you see that in the middle Mhmm. of the table? Oh, yes. Yes. Yep. Yep. Yep. So that's the growth allocation I was mentioning where at Oakview, our growth portfolios are around about 80 to 85% in growth assets like shares, property, and gold, and the rest will be in your safer assets. Mhmm. So Gotcha. that's kind Yep. Makes that makes sense.","start_word":1741,"end_word":1897,"sentiment":"neutral","sentiment_score":0.12903234362602234},{"text":"of perfect.","start_word":1898,"end_word":1899,"sentiment":"positive","sentiment_score":0.4041691720485687},{"text":"And it's basically the same 84.5 versus 84.6. Yep. It's not much different to each other. And then after that, you've got a fee table which basically shows you a few $100 saved in investment fees. Can you see that fee comparison table where it has the current and recommended? Yeah. I'm looking at that table at the, yeah, at the moment. Yes. Yep. Two key parts Yep. of information that I wanted to kind of bring you to is at the bottom, we have the five year performance update, which Mhmm. we've been along mixed in was pulling you down to about 7%, whereas in a growth portfolio, you kind of want eight to nine as an average. Uh-uh. Okay. Gotcha. Mhmm. Yep.","start_word":1900,"end_word":2023,"sentiment":"neutral","sentiment_score":0.04066886380314827},{"text":"Now by switching that out with that alternative option and rebalancing, we bring it back up to about 11 and a half, which is well and truly above what we're aiming for.","start_word":2024,"end_word":2055,"sentiment":"positive","sentiment_score":0.4586062729358673},{"text":"Okay. Yep. That yep.","start_word":2056,"end_word":2059,"sentiment":"neutral","sentiment_score":0.2879829406738281},{"text":"Yep. It's good. Yep.","start_word":2060,"end_word":2063,"sentiment":"positive","sentiment_score":0.5138154625892639},{"text":"But I did come up with an interesting comparison for the insurances. So when I went through and worked back your payslip, it actually looks like that your current income protection amount is actually pretty well perfect. It's about $30 off, Oh, 70% of your income. So we were essentially just gonna keep your life, your okay. disability, and your income protection the same. But I was able to find an insurer called Zurich who and it's one of the strangest things I've actually seen, is they're offering the exact same policy for about 65% less premiums. Normally, if I look at an alternative provider, it's about 10 to 25%, but this one was Mhmm. basically dropping the premiums from 1,800 to about $762 after Wow. the rebate. Okay. So I wanted Big to big just difference. have a it's quite large, and I actually looked at it three times to make sure it was correct because normally, Yep. like I said, the difference is 10 to 20%. And I'm like, okay. Is the occupation different? Is the health different? What's going on here? Yeah. Yeah. And What's I the could what's not the catch? I couldn't spot any catches. So I wanted to propose it as like, hey. If you're comfortable going through the application process, I kind of wanna give it a go because that Yeah. would Yeah. be such Yeah.","start_word":2064,"end_word":2296,"sentiment":"neutral","sentiment_score":0.10650527477264404},{"text":"a good long term savings for you.","start_word":2297,"end_word":2303,"sentiment":"positive","sentiment_score":0.47940710186958313},{"text":"No.","start_word":2304,"end_word":2304,"sentiment":"neutral","sentiment_score":0.26356998085975647},{"text":"That that sounds great to me.","start_word":2305,"end_word":2310,"sentiment":"positive","sentiment_score":0.4714277982711792},{"text":"Yeah. And and as you say, there's nothing that jumps out to you straight away.","start_word":2311,"end_word":2325,"sentiment":"neutral","sentiment_score":0.28514721989631653},{"text":"I think and and it's still sort of a quick it's still gonna cover me. I think that that's a good good idea.","start_word":2326,"end_word":2348,"sentiment":"positive","sentiment_score":0.4685982167720794},{"text":"Yeah. So let me do I'll go through these last two pages on the super side, and then I wanna kind of break down the insurance recommendations. Just make sure you're comfortable with them first. Sure. So if you go down past those projections, we've got sorry. The fee table has projections after it and a performance table. This factors in continuing the salary sacrifice, the Yep. switch of the investments, and the lower premiums. It's all three mixed Mhmm. into one. Okay. K? So it's kind of showing a good 100 to $200,000 benefit over five to ten years, which is quite large. Conservatively speaking, I would probably say 50 to 100,000 depending on how the market goes. And can you see that there, the five and ten year projection on page 19? Yes. I think I I just yes. I just I I can see that now. Yes. Yep. So that's kind of where we're thinking things are gonna end up. And once you get past that ten year mark, you'll be about six or seven years off retirement to start reducing your risk level as well. You. So we Uh-huh. can kind of finish off that retirement analysis when you're a bit closer to retirement. Okay. Yep. No. That that Yep.","start_word":2349,"end_word":2562,"sentiment":"neutral","sentiment_score":0.07839674920400727},{"text":"sounds good.","start_word":2563,"end_word":2564,"sentiment":"positive","sentiment_score":0.40622442960739136},{"text":"Performance figures, it just look. It looks a lot more consistent over all time periods in the double digits underneath that. If you keep scrolling through, you'll see page 20 is your salary sacrifice, which I'm assuming is still comfortable with the the amount that you've got coming out of your pay. Yes. Yeah. Yeah.","start_word":2565,"end_word":2619,"sentiment":"neutral","sentiment_score":0.14129133522510529},{"text":"I'm I'm happy to I'm happy to leave that.","start_word":2620,"end_word":2628,"sentiment":"positive","sentiment_score":0.5171599388122559},{"text":"Yep. I haven't increased or decreased it, but I was just showing the the tax differences between doing it and not doing it. But I am recommending just to keep that going. Yep. Yep. Okay. Alright. So the one I wanted to show you is on page 23, Yep. and you should see a nice Go big down table to that there one. listing Zurich. Uh-huh. Yes. So when I break down this table, we have the 159,000 of life insurance and total disability. That's exactly the same that you currently have. Mhmm. It has a buyback option. So if you claim on your disability, it reduces your life insurance. That makes it cheaper, but then it fills it back up again. So both are identical in options. And then your income protection, we've recommended just the 70% of your income, which is about $30 different than what you currently have insured, but it's exactly Okay. the same in terms of waiting period and benefit period. So ninety day waiting period, two year benefit period, that's the same that you currently have. Mhmm. And you can see under there, yearly premium after rebate is $7.62. Gross premium is $8.97. And on the next page, we have the Neos premium, which is $1,888.20. Yep. That's the current one at the moment, isn't it? Isn't Correct. it? Yep. Yep. Okay. Now if you go down a little bit further, you'll start seeing so, again, the best interest duty is just talking about it's more affordable for the same cover, and then there's some projections updated there just showing the impact premiums have and advantages Yep. disadvantages table. But what I wanna bring you down to is oh, no. That screenshot seems to be missing. So I did a comparison with our software that was showing Zurich having basically an identical but slightly higher feature score than your Neos policy, which basically means all of the fine print under the hood and all the little features about what you can and can't claim on. It's basically an 84 out of a 100 instead of an 83 with also the huge reduction in the premiums. So all in all, like, I just see benefit in terms of cost and quality, and I don't see any reason not to try and obtain that policy. Okay. Yeah. Yeah. Makes sense to me. So the question I'm gonna ask you is when you go through the underwriting process, they go through health and occupation details. Mhmm. In terms of your previous policy, I'm just bringing up the inception date, and just bear with me for a moment. We've got 2026 Nios schedule. It was put in place in twenty twenty one, November. So what I'm wondering is have you had any health concerns whatsoever between November 2021 and today that I kind of what I usually do is a bit of an anonymous pre assessment to make sure Sure. we don't go through all of the application process and then have them say, oh, but this has popped up, so we're gonna give you you know, you've had a knee reconstruction, and now we Yeah. can't claim on the knee, but the nails Yeah. does Gotcha. give that. Do you know what I Like yeah. Sure. That's mean? that makes sense. The only thing that, I guess, since since then is Yeah. not surgery wise, but I guess in terms of my medical history, Yep. I was diagnosed with an underactive thyroid. So I'm currently on medication for that. So that's definitely a change Okay. since from, I guess, when it was from the the previous policy date. Yep.","start_word":2629,"end_word":3240,"sentiment":"neutral","sentiment_score":0.02958384957894975},{"text":"Perfect.","start_word":3241,"end_word":3241,"sentiment":"positive","sentiment_score":0.4226217567920685},{"text":"With the underactive thyroid, do you know if your, like, your tests and your levels are back to normal with the medication? The last last one test I had. Yes. Yes.","start_word":3242,"end_word":3272,"sentiment":"neutral","sentiment_score":0.07583115249872208},{"text":"So it was all it was all fine. Perfect.","start_word":3273,"end_word":3281,"sentiment":"positive","sentiment_score":0.40833136439323425},{"text":"And when we go through the application, so we we have a specialist. His name is Jack, and he usually goes through quite in detail all of the health and occupation history. And what he'll end up asking you on that day is essentially, like, what is the medication name, what's the dosage, Yep. when was it diagnosed, and what was the readings of your last checkup. As much as you can, anything you Yep. can't answer, they'll probably just do, like, a doctor's report to check. K? Doctor's report to check. Mhmm. Mhmm. Okay. Okay? Was there anything previously before 2021, any major injuries or diagnosis that we had when we first put the in place?","start_word":3282,"end_word":3398,"sentiment":"neutral","sentiment_score":-0.049125346617820934},{"text":"I just couldn't see that Nothing on that the is current coming pulse.","start_word":3399,"end_word":3411,"sentiment":"negative","sentiment_score":-0.33722734451293945},{"text":"to mind. No. Nothing. No. Yep. And that's fine. Nothing. I didn't Yeah. see Nothing any loadings is coming or to me. exclusion, Yeah. so it looked Yeah. fine. You know, they'll check things like height and weight to make sure there's no major issues with BMI. They'll check occupation, which is pretty well office space for yourself. I don't really Yes. see any risks in the occupation there. Yep. Let me just double check. So and you're obviously not working with any kind of, like, chemicals or anything No. like that. No. Yeah. So I did wanna just, yeah, ask the question. Do you want to to try and go through and apply for that type of replacement policy and and get the premiums Yeah.","start_word":3412,"end_word":3537,"sentiment":"neutral","sentiment_score":-0.05803845077753067},{"text":"That'd be great.","start_word":3538,"end_word":3540,"sentiment":"positive","sentiment_score":0.4646828174591065},{"text":"down? Cool. Outside of that, one thing I do have to let you know for disclosure purposes is in the in the statement of advice, we list out our current fees for the super. Whenever Mhmm. we do an insurance policy, whether it's through Neos, Zurich, TAL, any new applications, the insurer pays the advisers 66% of the first year's premiums for that insurance advice, and it's just paid from the insurer to the adviser. From that point, we are paid, like, a 22% trailing commission on either the Neos or the Zurich policy for managing the policy with you in terms of, like, if you have a claim, we can help you through the claims process. So I just wanted to let you know that I've updated those figures at the bottom of the document that if we were to switch over to Zurich, we would get a small upfront commission, and then the trailing commission would reduce in line with the premium. So if you could Okay. have a little look down to page 39 for me, Yep. Yep. you should see remuneration there, and it's just got it listed there to make sure you're comfortable with that too. Okay. What page for that again? 39 should have 30 nine. Okay. Yeah. I haven't gone quite far it's enough it's right yet. down. No. I can yeah. Now I can yep. I can yep. I'm I'm at the right page now.","start_word":3541,"end_word":3783,"sentiment":"neutral","sentiment_score":0.11025717152366912},{"text":"Perfect. Yep.","start_word":3784,"end_word":3785,"sentiment":"positive","sentiment_score":0.47091102600097656},{"text":"Right. Okay. Alright. Yeah. So there's no again, there's no kickbacks or anything from any insurer. It's just kind of standard across the industry there, but I just need to let you know that that's what we would be paid for putting that in place. Mhmm. Okay. Outside of that, so what I've included in the Odoo sign, that's the one with the signature request and the purple buttons and everything just like the annual review pack, is I've included a product disclosure document for both Hub twenty four because you're still holding that super fund and also Mhmm. one for Zurich as well, which is just everything you could ever wanna know about their policies just like the Neos one. Okay. Yep. Outside of that, if you're comfortable with it, we've also included a quote, which essentially acts as the application start point. So if you're Mhmm. comfortable with the quote, you would basically sign the statement of advice and the quote, and then I would book you in with Jack just to go through the application. Okay. I'm just looking at that now. Now I do apologize before when I sent the two emails there. I'm wondering if you actually have the the one with the subject heading signature request overview or just the overview one without that at the start. It looks like I've only got the Oakview one. K. So what I might do is I'll give that a little bit of a resend. And if that doesn't come through, I might actually switch it over to our secondary provider, which is sign now. It's a blue one. Mhmm. And I might I'll send you a text if I do that. But I'm just gonna hit resend on that one. See if that one comes through. Alrighty. And I'm just having a scroll through the documents myself as well. So it goes statement of advice with an authority to proceed at the bottom. And there'll be a text box just to see if you wanna vary any of the recommendations. But if you're happy with all of them, you can just write NA in there and then a quote.","start_word":3786,"end_word":4148,"sentiment":"neutral","sentiment_score":0.11710667751791064},{"text":"Quite a long quote, unfortunately. And that's about it. I'm not sure if that signature request email is coming through at the moment or not.","start_word":4149,"end_word":4173,"sentiment":"negative","sentiment_score":-0.46659597754478455},{"text":"Not yet.","start_word":4174,"end_word":4175,"sentiment":"neutral","sentiment_score":-0.2502875030040741},{"text":"No. No.","start_word":4176,"end_word":4177,"sentiment":"negative","sentiment_score":-0.343294620513916},{"text":"That's okay. I might try the alternative platform there. And Mhmm. if you accidentally get a flood of emails from both the the o do purple and the blue one, please don't sign all of them. Just do one and please Sure. let us know if they all Okay. start coming through randomly in the next half an hour. Yeah. That's fine. Now, Zimina, any questions on the advice so far? Are you happy with everything we've come up with? I'm I'm yep.","start_word":4178,"end_word":4260,"sentiment":"neutral","sentiment_score":0.015337838791310787},{"text":"I'm happy with everything we covered so far. Perfect.","start_word":4261,"end_word":4269,"sentiment":"positive","sentiment_score":0.6270003318786621},{"text":"The one other question I had was really just a courtesy question regarding the Commonwealth Colonial account is Mhmm. the risk level for Colonial is, again, growth, which lines up with the super. So that's all I wanted to check was making sure that you weren't in a really high risk investment inadvertently. The other thing I did wanna flag was I had a look at the growth funds that they have you in. It really does have quite a large investment fee attached to it of about 1.6%, which is about eight times as much as the portfolio that we've got your super in. The other thing was just I don't know if you feel like your account's been growing well the last few years, but the performance they list on their website was about 1.5% returns over the last five years, which Mhmm. quite quite low in comparison to what you're aiming for for a growth portfolio. Yeah. So I did just wanna flag it with you Yeah. as No. an That's observation. that's yeah. No. That's good. I I have I do feel it has been a bit up and down recently.","start_word":4270,"end_word":4464,"sentiment":"neutral","sentiment_score":-0.11600785243969695},{"text":"And, I mean, I know the market has been the same, but I've been a bit I must admit, I have been a bit disappointed in the recent returns with that one.","start_word":4465,"end_word":4496,"sentiment":"negative","sentiment_score":-0.3491663932800293},{"text":"So Yeah. yeah. If at any point you would like investment advice, like, we do do investment accounts, even Hub twenty four offers investment accounts that link up to your super fund, and there's things like that. So if you would like to do that over the next couple of months or even in a year's time, I can do a full review of that investment, Mhmm. maybe look at some alternative investments, alternative providers, if that's something that you you would like. Yes. It's definitely something I I would be interested in. Yeah. Yep. I think Is it'd that be good something to do that that. you want me to kind of go over with you over the next quarter, or do you wanna kinda just let it go for a little while? What would be your preference? I'd be happy. No. I'd be happy to do it over the next quarter. Yeah. That'd be Yep. good. I mean, I've I've either you or your colleague because I know you'll be on leave soon. Yeah. So what I'm thinking is I will get a third party authority form drawn up with you that account number that you've sent us, and Mhmm. then we will basically just send that through to Commonwealth, get a full breakdown of all fees, performance, and details of the investments, and then we'll start doing some research and comparisons. When I Yep. come back after leave, then we'll have a bit of an updated discussion after that just to kind of get a bit of a game plan together.","start_word":4497,"end_word":4760,"sentiment":"neutral","sentiment_score":0.13208410634913229},{"text":"Yeah. That sounds fantastic.","start_word":4761,"end_word":4764,"sentiment":"positive","sentiment_score":0.6176767945289612},{"text":"No. That Yep.","start_word":4765,"end_word":4767,"sentiment":"neutral","sentiment_score":0.17593428492546082},{"text":"sounds great.","start_word":4768,"end_word":4769,"sentiment":"positive","sentiment_score":0.3736429810523987},{"text":"Yep. That'd be Now great. before I let you go with that account, is that something that you're putting regular investments into, or is it mainly just kind of growing on its own? No. That one also has a regular savings plan set up attached with it. K. How much would that be for? Yeah. I think it's 100 a month I'm putting in. Yep. 100 per month. And it was around about 77,000 in balance at the moment. Mhmm. The I think the last statement said said about that. Yes. Yep. So what I'll do, I I don't wanna kind of overwhelm with too many things because it can be a lot of applications and forms and documents and conversations, and we're already at a bit of a limit now. So what I wanna Sure. do Sure. is I'll get you booked in for that Zurich application. So, hopefully, that get that sorted for you. Right. We will as soon as we get the signed documents for this advice back, we will jump on to Hub and switch your investments around. Mhmm. We'll send through that third party authority so we can research the Commonwealth. And then when I get back, we'll just have a little bit of an updated chat about risk levels for the personal account and options, you know, fees for advice, what we can do in terms of small versus large platforms, and just kind of have a bit of a refresh chat about what you can and can't do. And then once you give me some direction from there, I'll update your advice to include the investment account.","start_word":4770,"end_word":5043,"sentiment":"neutral","sentiment_score":0.039116598665714264},{"text":"Wonderful.","start_word":5044,"end_word":5044,"sentiment":"positive","sentiment_score":0.5399871468544006},{"text":"Any questions for me before I let you go?","start_word":5045,"end_word":5053,"sentiment":"neutral","sentiment_score":0.187552809715271},{"text":"Wonderful.","start_word":5054,"end_word":5054,"sentiment":"positive","sentiment_score":0.34630879759788513},{"text":"Uh-huh. No. I've everything makes sense.","start_word":5055,"end_word":5060,"sentiment":"neutral","sentiment_score":0.09269018471240996},{"text":"Cool.","start_word":5061,"end_word":5061,"sentiment":"positive","sentiment_score":0.41400304436683655},{"text":"As long as it makes sense, that's the most important thing because I know these these documents can get very wording heavy, and we're throwing a lot of jargon around as long Yep. as you know what we're doing and why. Yeah. No. No. No. That all makes you build that clearly.","start_word":5062,"end_word":5113,"sentiment":"neutral","sentiment_score":0.008861918933689594},{"text":"Perfect.","start_word":5114,"end_word":5114,"sentiment":"positive","sentiment_score":0.5583471655845642},{"text":"So from here, is there a good day and time to go through that insurance application with Jack? Ideally, No. Oh, if yeah. possible, I'm thinking, like, Monday next week if you can, but any day that you can, we will make available. Yeah. No. That's fine. That's fine. Anytime next week will be will be fine. Yep. I I'm just I know the only I know I'm not available the first week of July, but but, yeah, any any other time next week is is fine. Yep.","start_word":5115,"end_word":5202,"sentiment":"neutral","sentiment_score":0.08864918351173401},{"text":"Perfect.","start_word":5203,"end_word":5203,"sentiment":"positive","sentiment_score":0.3849776983261109},{"text":"So I'll put in a note on the account that the first week of July is a bit of a block out for contact. And then I'm thinking would you prefer morning or afternoon? Usually, mornings are good for me. Yep. And there's no daylight savings now. Thank gosh. So it's about eleven Yeah. thirty two over there, That's which is nice. That always throws me. yes. We're on we're on the same. Perfect. And So what I I guess can we can it's a bit do confusing some of our kids. What's in it? yeah. Yeah. I have Sometimes to I bounce around where it's like different states and there's four different conversations. Someone's in WA, remember. someone's in South Australia, and I'm Yeah. usually pretty quick at it, but sometimes you miss it up, and I don't like setting up the wrong appointment time. We do have quite a bit of availability Monday morning at around 09:30, if that works for you. So that's the eight dessert. Yeah. The June 8. Yeah. Anytime is fine on Monday because we have yeah.","start_word":5204,"end_word":5386,"sentiment":"neutral","sentiment_score":0.05349302291870117},{"text":"Perfect.","start_word":5387,"end_word":5387,"sentiment":"positive","sentiment_score":0.40889447927474976},{"text":"So I'll put it in tentatively for 09:30 on the June 8 in the morning. And if you have Yep. any trouble at all, just contact the team and and let them know, and we'll send you a bit of a reminder text there as well.","start_word":5388,"end_word":5433,"sentiment":"neutral","sentiment_score":0.12564124166965485},{"text":"Okay. Great.","start_word":5434,"end_word":5435,"sentiment":"positive","sentiment_score":0.5210700035095215},{"text":"And then after that so I'll get that alternative email sent out with the statement of advice, and I'll include that third party authority as well. If you have any trouble with all of these emails I'm sending you, please just contact the team, and and they'll help you fix it up.","start_word":5436,"end_word":5487,"sentiment":"neutral","sentiment_score":0.20823143422603607},{"text":"Okay. Awesome, Zimina. I really appreciate your time this morning. Really excited to get a few things going for you.","start_word":5488,"end_word":5507,"sentiment":"positive","sentiment_score":0.8146531581878662},{"text":"But do you have any questions before I let you go? No.","start_word":5508,"end_word":5519,"sentiment":"neutral","sentiment_score":0.1943134367465973},{"text":"All good. And thanks so much for your help, and good good luck with your break. Thank you so much. I'm very much looking forward to it, and I'll I'll talk to you again when I get back. Okay then. Thanks a lot. Thank you. Bye.","start_word":5520,"end_word":5565,"sentiment":"positive","sentiment_score":0.6762896180152893},{"text":"Okay. Bye.","start_word":5566,"end_word":5567,"sentiment":"neutral","sentiment_score":0.2250075340270996}],"average":{"sentiment":"neutral","sentiment_score":0.07317402399286423}}}}