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Is now still a good time for you? Fantastic. Is Sergio there with you as well? That's okay. No worries. What I'll do is I'm gonna send this document through to you. Is one of your or both will be able to pop into your email there just to pull it up? We can look at it together. That's all. There you see. How's your day been? Absolutely. Perfect. It yep. That's correct. Yeah. Perfect. Now just before I jump into the call, I do have to let you know we do record our calls for quality and training purposes. Are you happy for us to proceed with that? Excellent. And I'll just do a quick security check there with you as well before I discuss your personal information. Just to confirm, your full name, your date of birth, and address I should have on file? Mhmm. Beautiful. Thank you so much for that. Excellent. So when you can see the first I just need to say that he's there. And if you can give me here, say, the best and full name, that would be perfect. Yep. Yep. Yeah. Oh, but thank you so much, Sergio. Yep. Yeah. That's fine. You're good. Thank you so much. But how's your weight being Sergio? Beautiful. Fantastic. Yes. That's it. It's been horrible weather up here today. We've had overcast and windy. Shocking. Yeah. Yeah. Wow. Oh, lovely. Well, let's come through this for you. I appreciate you giving me the time to put this together for you. Essentially, we were looking at your super and how to kind of boost things for you both a little bit there. We had noticed in our last call there was some underperforming investments, so we wanted to update your portfolio looking forward. And, Angela, you also wanted me to have a look at income protection to see if we could get you some more income protections to cover you in the event of not being able to go to work in the short term as well. Okay? Excellent. On the front page, sir, you'll see this document is an overview financial statement of advice prepared for yourself, Angela and Sergio, as of the 09/10/2026. All our advice is valid for sixty days from the date of the document there. So once we've gone through things, I will let you go back and you can have some time to read it over, talk it between yourselves. And then if you are happy to take on the advice, we'll get you to sign and return that back there for us. Okay? Excellent. On the bottom of the front page, it has my authorized representative number. So I'm a licensed adviser registered with Aptive, and my registration number is 1304394. Okay. I am gonna skip through just a few pages as we are going through just to sort of focus on the areas that I need to touch on because I do let you go back and have some time to read it over as well. And in the meantime, if you finally have questions, please just let me know, interrupt me and shout them out. Okay? Excellent. As we are going to the next page, it notes the best interest to you. Just making sure any advice we do provide is there to make and assist you in meeting your goals and provided in best interest. We've also then got the table of contents so you can just scroll past that one. And then page number three, you should see if you're facing of the advice. So we're looking here at your superannuation. Essentially, we're looking at basically being able to retire at around about the age of 60 there with a target retirement of about a thousand dollars per week each from your supers. And you also wanted us to look at reviewing and updating your superannuation investment, and switching out any underperforming investments to update the portfolios on market conditions. Does that sound appropriate for you both? Is there anything you would change there at all? Yes. Excellent. Then the next page, we have your insurances. So you both do have some insurances. You've self answered. You've got life and income protection currently. But, yeah, you have life and income protection there. So, essentially, we were keeping both of your life covers in force. You're both comfortable with the level of life cover you had. Sergio was happy with his life and income protection benefit. It felt appropriate at the time. And, Angela, your income protection benefit was very minimal, so we were looking at trying to increase that benefit a bit to provide a higher level of cover in the event that you were off work due to illness or injury. Okay. Excellent. We've also got on the next page the estate planning. So one of the things we talked about was your beneficiaries. Essentially, you both had the children noted at 50% each. But with the beneficiaries, it's essentially put onto your super to provide a benefit in the event that one of you was to pass away. So we talked about having that benefit updated so that in the event of passing, you went to each other, and then just making sure you do have a will set up with a solicitor and a power of attorney to make sure that in the event that something happened to the two of you, that you could then have those funds directed through your estate to each of your children. Does that still sound fairly appropriate? Yep. Excellent. On the next page, we have where we're not looking at advice today, so things that we're not considering. You're still both very young. You do have that retirement goal, so I'm not projecting all the way to retirement essentially because you still have a lot of time ahead of you. I know it doesn't feel like it. I'm the same age as you. It feels like life is disappearing, and this year is falling by that, Michelle. But you still do have a lot of time when it comes to your safety there to build on things and work towards your retirement goals. So I just project over the next five to ten years to look at where we're tracking, and then we continuously update the advice as appropriate towards your retirement goals there. When you do get within that ten years, then we'll have a look at what that retirement income looks like for you both. Okay. Fantastic. The next page outlines the other areas that we're scoping out for personal insurances. So, Angela, you didn't wanna look at CBD, so permanent incapacity at all, and neither of you wanted to look at having trauma or child trauma cover for the insurances. Okay. Excellent. And then the last one is the debt. So you're both wanting to look at, obviously, personal investments and debts as well. We're scoping out both of those in the next few pays there. I remember saying the more the referrals to some mortgage broker. How did you both go with them? Have you had a bit of a chat with a mortgage broker? Okay. Yes. Yes. Yeah. Yeah. Yeah. Absolutely. That's okay. That's absolutely fine. And look if there's other ways of personally investing personally, you can also look at building investment portfolios, utilizing investment bonds, also portfolios with shares and ETFs and hedge funds like your suit is invested in. So we can always look at those things down the track there for you, look at what your goals are, what you're after, and build investment portfolios that help you to meet those goals and help you to supplement income in retirement down the track if that's what you're after as well. So we'll scope out the debt and the personal investing for now, and we'll come back and read this as you both are comfortable to do so. Okay. Excellent. Beautiful. Now with next page has a limited advice warning. It's just letting you know that we're not solicitors, so we don't draft up will. We do refer you to a qualified lawyer to do that. We provide advice around general insurance I'm sorry. Around personal insurance products, not general insurance. The general insurance is looking at house, motor and liability, business insurance. We can always refer you through to a general broker if you need the services of one. But other devices, we're licensed to provide advice around personal insurance products. So things like life, PPD, income protection, trauma, and a few other additional there as well. Okay. Excellent. The next couple of pages have the about you section noted and then your assets and liabilities as we went through in the last call there as well. What I'd really like to do for you both is if I could get you to scroll down for me. We're just gonna skip a few pages here. Sorry. If you can go to page number 20 for me, I'll start to take you to those recommendations just by then. Beautiful. So, Angela, this one for yourself. We started by having a bit of a look at your super as well as the investment. So one of the things that I do like to do is do a full research on the platform as well as the investments contained in it because your super is about the entire thing. This platform is essentially the vehicle for holding the funds, whereas the investments are what makes the money grow and build and work towards your retirement goals. I am recommending that we do retain '20 four. The platform itself is actually really good. It's there's nothing wrong with it. It does hold a really good range of investments that we can sort of switch between. So I did review the platform as well as the investment, and I'm recommending you stay within hub twenty four. I am definitely recommending we switch those investments up, and I'll show you that in a second what that looks like, and then continuing to get your employer contributions paid into the fund there as well for you. Okay? Excellent. If I can get you to move down a few more pages to page number 24 for me, I'll show you a little bit more around this recommendation, and then I'll take you through what the switch will look like with regard to the investment. Beautiful. So one of the things I consider you're sorry. Did you need a second more? Sorry. No. You're fine. You're good. Essentially, with this one here, it's showing you the recommended and the comparison table there. So you've got your current situation balance of 186,433 with the admin fees, investment fees, the ongoing service fee we charge, and your contributions going in with your current insurance premiums noted there as well. Within your portfolio, you're a growth investor. We talked about how that's got that eighty twenty split of in of growth and defensive investments, and when we kind of assess that you are happy to stay in that growth portfolio. The current portfolio you're in with the current investments, when we look at how that's averaged over the past five years, it's roughly about 8.34 percent, which isn't bad in any way, shape, or form, but we want that to work harder and build and work harder for you. So what I am recommending is we do retain Hunt 24 as a platform. We will switch the investments out. One of the things I do look at is the capital gains consequences. So your super fund, just like you, does a tax return every year. Within super, your super fund pays income tax as well as capital gains tax as well. So you'll see in the differences column there's a a dollar of $421. In order to make the changes within the platform and switch your investments, we've worked out that the CDK cost your super will account for is $421 in order to switch the investment. Does that make sense? Yep. Beautiful. The other thing I did was have a look at the investment fees. We wanted to make sure you have the investments that were working harder for you, but I wanted to try and find a cheaper a cheaper investment portfolio because one of the ways we can sort of build and boost that super is to reduce the fees that are coming out of it. At the moment, your investment fees are about $776. With that newer portfolio, they dropped to 529. So it's essentially saving you over $200 in investment fees for the year, which is good. Yeah. Excellent. And underneath that, there's no real change to the ongoing service fee. That is still staying roughly the same. It's gonna change by about $19. It'll actually go down by $19 and save you at 19 dollars per year, which isn't bad. And then you've got your employer contribution still going in. The other thing I will go through with you in a minute is the insurance premium. Now this was higher. It is a bit more about $5,000 higher, and that is because of the cost of the income protection that I'm able to recommend for you. I have a a another option. It was an alternative that I've considered in the appendices, but I'll take you through what this looks like first. But just so you can see, the expected increase for increase in your income protection policy there as well. Okay? The other thing we wanna look at is how the newer portfolio has sort of grown and worked over the past couple of years. So this newer portfolio is not only cheaper, but it's also shown a greater past performance. So over the past five years, it's at least about 10.18, which is great. We wanna get as much growth as possible out of the portfolio. And if you scroll down to the next page, you'll see the projection table. Now I project over the next five to ten years. So this is sort of showing you your current if you stay where you are with the same insurances in the same portfolio over the next five to ten years, you could essentially end up with about 275,000 or over 380,000 within sleep in the next ten years, which is great. However, with the new recommended portfolio, by saving fees and having a greater past performance and even including increasing the cost of increasing your income protection, in the next five to ten years, you can actually end up a little bit further in front, which is a positive and a bonus for yourself. You could end up with about $800 difference, but it means that this newer portfolio with the reduction of fees has been keeping up with inflation. It has also it does also keep up with the fact that you've got a higher insurance cost noted above there as well. Okay. Beautiful. That can be a lot. Do you have any questions in relation to any of that there at all? Absolutely. Yeah. Absolutely. It is a lot to process. I absolutely get it. It's not a problem. It's always good that you're looking at it with me because it is a lot of numbers to go through, and it can take a minute to process it all. So absolutely. All good. If you scroll down to the next page for me, I'll show you what the changes will look like within your super fund for you to be able to obtain that newer portfolio. Beautiful. So to make this a bit easier, because there is a lot going on here in that table, the first column outlines will be individual investments that both you currently have and that we're gonna add into the portfolio. What we're sort of looking at here to make it easy is that lovely buy sell column with the red and the green. That shows you the investments that will be sold down whether full or partial and what we're gonna purchase in the portfolio for you as well. So to give you a fairly easy rundown, with the battery and lithium tech, we are removing that completely from the portfolio. It has performed really nicely, but we found a much cheaper way to hold that investment for you. You've also got the Benelmong Australian Equities. That investment is the one that's been underperforming. We talked about getting rid of that and removing it out of the portfolio and replacing that with something else. So that'll be fully sold down for you. We've also got the a BetaShares Bank hybrid. Now these are actually being phased out by the government in the next couple of years. So whilst we are making changes, we may as well remove that from your portfolio and replace it with something else so that things can work a bit harder for you down the track. You've also got some physical gold. You're sitting at about 7.8% at the moment. We wanna hold about 8%, so we're gonna buy a little more of that physical gold for you, which has been performing well, and over the longer term, is a really great asset to hold in your state of funds. We've also got cybersecurity. This is giving you access to global cybersecurity. Again, it's good for diversification. You're a bit overweight at the moment. You've got 8% in your portfolio. You only wanna hold about 5%, and cybersecurity has seen some really great growth there. Yeah. So we're just gonna reweight and rebalance your portfolio back. We sell about 3% of that, and we distribute that across the rest of the portfolio, and it just rebalances you back to 5%. Okay. Excellent. We've also got the IHS called composite bond in here. This is giving you access and exposure to both government and corporate bonds as well as other defensive assets like bank notes, the cost, and it gives you some international exposure as well, which is great. You're a little bit underweighted in your portfolio. So you've only got 8.63%. We wanna hold 9% of this investment here, so we're gonna buy a little bit more to bring you back up in that waiting. We've also got the s and p 500. This is giving you access and exposure to the top 500 companies on The US market there. You've got 28.19%. You're a bit overexposed currently. We're gonna sell a little bit of that off and just bring you back to 20% in your portfolio. The other thing we've got here is property, Australian property. Property has taken a bit of a hit since the changes came into play with the negative gearing and the capital gains consequences. It's underperforming a little bit, so we're gonna remove that out of your portfolio currently. There might be a place to put it back into the future, but right now, it's underperforming. So we'll start to we'll just remove that for the time being and replace it with something else that's performing a little bit better for you. Excellent. You've also got the beta shares Rafi 200. This is giving you some exposure into the Australian stock market. You've got about 16.57% there at the moment. We wanna hold 15% of your portfolio, so we're just gonna sell a little bit of that off for you. When you look at the last couple, this is just adding some extra exposure into your portfolio to kind of build on what you've currently already got and what we are keeping. So we're gonna give you exposure into the India quality ETF. This is giving you exposure into India. Has seen some good growth there. There is still growth to be had, and we wanna hold 5% of that investment currently. Underneath that, you've, yeah, underneath that, you've got the the health care. This is giving you exposure to global health care. So, again, diversification, and we wanna hold 4% of that investment. Health care still sees really great growth. This is not only just giving you the real health care, but it's also the tech side of health care as well. They're giving you some tech exposure. And there are some really big changes coming in the health care space when we look at the tech side of things as well. So it's a really great place to be invested. It's only gonna be about 4% of your portfolio, so it's only a very small percentage there for you. Yeah. We've also got the BetaShares a 200. This is giving you a bit more exposure into the Australian market. It's helping to because we're getting rid of Benelongs. This is giving you exposure into the Australian two top 200 companies. This, along with the rapid, is giving you greater diversification, and one of the biggest things we look at with risk mitigation. We all wanna see good returns and take a little bit of risk, but we wanna try and mitigate as much market risk as we possibly humanly can. And one of the ways we look to do that is to diversify your portfolio, spreading your risk across different asset classes, across different countries, and across your your different sectors as well. And so doing that helps to spread the risk level quite significantly. The idea is where you wanna be invested in enough countries and asset classes where if one is down, another is up to mitigate that. So we know markets will go up and down, but we wanna see some of the portfolio working well when others might not be working as well and vice versa. And that's how we take advantage of the market ups and downs, essentially. So this is giving you greater diversification and making sure you've got access into the Australian market there as well. I'm so sorry about that. The other thing we talked about was having a bit of active management in your portfolio for you. You both were happy to see a little bit of active management because you are still younger having a bit more risk side of things, and that's when this investment comes into the JPMorgan Global Research Enhancement Equity Fund. This is actually giving you a very low cost managed fund. It's giving you global exposure so across the globe, but it's utilizing JPMorgan's research team to pick and choose certain investments where there might be additional growth. It's only a small portion of active management, so it's mostly a passively managed fund, but it is keeping some active management in your portfolio for you and adding a little bit of that active risk in there, which is kind of what you just wanted to see. We'll just keep monitoring this with you probably every six months to see how it's going. If it's ever sort of underperforming or not doing what it's supposed to, then we can always look to swap it out to something else for you as well. Okay. Excellent. And then the other side of that is having more defensive investments. We are removing the bank hybrids, and they were more of a defensive investment. We're removing them because they are being phased out down the track. So in your growth area, you wanna see about roughly 20% invested in defensive assets, so things like cash, bonds, and fixed interest. The iShares, Yield Plus, and your core composite bonds, they essentially are your defensive investments. You hold 18% between the 9% of each. The iShares Yield Plus is giving you exposure to essentially defensive investments that are high income producing, and that's really good. We want income to be produced out of your portfolio. That income is paid into your cash account, and that's reinvested back into your portfolio for compounding. And bonds are also really good for that as well. They pay income on a regular basis into your cash account, and that gets redistributed across your portfolio. So we want a mixture of growth, so changes in investment prices, as well as income from your portfolio there as well. And having those defensive assets is also good for long term risk mitigation where equities might not be performing very well so that in those of the times, defensive assets hold and perform very strongly for you as well. Does that make sense? Do you have any questions in relation to any of that? Yeah. Yeah. Oh, thank you. No. That's okay. I try to make it as easy as possible for understanding because not everyone is that, you know, open to wanting to hear. But then if there is anything further you wanna know, I'm happy to delve deeper into it for you as well. But, yeah, it's a really good change to the portfolio. I like the way it looks. It incorporates a lower cost portfolio with some active management, and it's also saving on fees, which is great. And there's only a very small CGT cost in order to switch the investments around for you, which works. Yeah. Beautiful. So that is essentially your super part. Now I'll take you through the insurance side of things. This is the one thing that I really wanted to sort of talk to you about. With the insurance side of things here, now this is essentially showing you we are retaining your life and income protection that you do hold within that hub twenty four platform account at the moment, and that will give you a base level of cover. The other thing we sort of talked about was being able to top up your income protection so that if you are off work for any particular reason, that you would have that extra level of cover. And we also sort of are looking at a lower waiting period. So the other thing is with your income protection cover on your HUD 24 account, you've got a ninety day waiting period. So I've recommended a lower waiting period, which means you only have to be off work for thirty days for this newer income protection cover. That essentially means you can claim earlier, which puts less stress on your family's expenditure in the event that you're unable to work. One of the things that I looked at for this is that your income is technically higher than Sergio's, so you're more of the breadwinner. It doesn't so please don't make this sound bad to Sergio in any way, but it's more about making sure that your family can survive in the event that something happens. You've got mortgages and bills and all the things and food, and nothing stops coming in. So having a thirty day waiting period on this on this ClearView policy means that there's a portion of your income protection you can claim earlier to give you a bit of a buffer while you're sitting at a ninety day waiting period to claim on the rest of the income protection within that group cover policy. Does that make sense? Yep. Beautiful. They both do have a five year benefit period. You can be on the claim for up to five years. The disadvantage to a five year benefit period is that once that five years ends, the claim will stop regardless whether you can go back to work or not. The advantage to that is that it makes the cost a bit lower. So you can have an age 65 benefit period as well, which means you can be on a claim up to the age of 65. However, it does make the premiums very expensive. So to try and lower the premiums as much as possible, but still make sure you have a good benefit period to cover you in the event that you're off work, that five years is kind of a happy medium for you. Okay. Excellent. So, essentially, with your current income protection monthly benefit of a $1,113.91, in order to cover you for up to 70% of your current income, we needed to then increase and provide a new benefit or a new policy to give you a monthly benefit of $4,719. That equals that 70% when you add the two together. The disadvantage is when we kinda went through the pre assessment there, we did note there was some health consent. So when we went back to do the blind pre assessment with the underwriters and the insurers, they did note that this policy would be expensive because they're adding a 150% loading onto it. So it essentially means the expectation for the premium for this policy would be $5,923.26. Because it is paid out of the Superfund, you get a 15% discount there. So it means that the amount you would pay for this policy out of super is $5,034.70. That added to the already amount you're paid out of you're paying out of the super fund. It means that we can expect the total premium sorry. I'm just running back double checking. It's $5,416. That is for your current life and income protection policy as well as that new clear view policy total for the year. Okay? So that's the whole year. Yeah. Yeah. Definitely. Yeah. It is a lot. If you look at the next page, it basically breaks down because of the health concerns that were disclosed in the pre assessment, they've added a 150% medical loading onto it, and they will only cover you for your main occupation. Because you do have that secondary job, they will exclude any claims for your secondary occupation there. It's not the best terms, and I'm so sorry about that. We did try to, you know, argue the point with them. But at the end of the day, the biggest thing with the underwriters and the insurance companies are they're essentially assessing the risk of them paying a claim. And when there are prior health concerns, when there is things that increase the risk, then they do add those loadings on there because there's more more more of a chance they're gonna pay out on that policy, essentially. As a difference, in the appendices, which you'll also have attached there, it is the next document down, and you'll be able to take some time to read it through as well. But in the appendices, I did actually have a look at if you were to only increase or add the Clearview income protection policy to cover 50% of your income. So it essentially means that instead of applying for 4,717 as a monthly benefit, you'd be applying for a lesser amount. It'd be $3,052. It essentially that plus your current 1,113 would cover 50% of your monthly 50% of your income if you are off work. It does reduce the total insurance premium. So instead of paying that 5,400, the expected premium out of super would be 3,637 even with those additional loadings added. It does essentially mean that you get more growth out of your super, but it's also what's important to you. So the benefit of having this policy, as much as it is expensive, it does mean if something happens, if you're off work, you're able to claim on that policy. The one thing I really do wanna reiterate with you is that we will review this policy with you. If you place it in force or if you go through the application process, we will review this with you. So if your income decreases, these policies do also increase over time. We will look to decrease it back to make sure you're staying at 70%, not overpaying the premium. We can also, down the track, include additional contributions to mitigate and offset the effect of those premiums as well. I didn't recommend that. I did think about doing it, but it was something that we discussed, and you've neither of you were comfortable adding additional contributions yet. Life is very expensive still. So we can down the track you know, look at additional contributions to offset the cost of those premiums as well. I do also have to note that because of what was disclosed, the underwriters did let us know that when you go to application, they will request, like, doctor's reports to show, you know, what the doctor's records have. They will also possibly request, you know, new medical new medicals to be done in order to put the policy in force. That means that a nurse may, you know, contact or you they may ask you to go see your doctor to be able to have those medicals done so they can assess it. If there is anything that comes out that we're not aware of or that increases the risk, there is a risk of a decline of that income protection policy as well. So I just wanted to show you what this looks like and be open and honest with you with how what this, you know, what's expected with regards to this. And then you get to decide what you're comfortable with and how you would like to proceed with the income protection side of things. Does that make sense? And do you have any questions? Mhmm. Mhmm. Yeah. Yeah. Correct. So what you have currently saved as it is, there's no change there in any way, shape, or form. It just means that if they decline that policy, we can't take that new ClearView policy there. But yeah. Yeah. Yeah. Yeah. Beautiful. Absolutely. Yeah. Absolutely. And that's why we're I'm glad we've got that group cover already in place because that is kind of your backup protection. That will not change. That stays there regardless. This newer policy, if it's declined, if it doesn't affect that current group cover policy you have. Okay. Yeah. And then when you when you do look at the appendices, if you scroll into that document to the basically, the end, you'll see there is a insurance comparison showing the lower level of cover, the lower premium, and the lower projection table for you as well just so you can consider the differences. And you're welcome to let me know if you have any questions or wanna look at alternatives, and it's it's really just handed off on what you're comfortable with. Okay? Beautiful. Sorry. I know it's a lot to go through. I just wanted to be honest and open and let you know it's all out there so you know what to kind of expect and what could happen. And I've also got in there a lot of information. So when you go back and read the advice document, I've got the best interest duty noted on all the different areas of the advice for you to have a look at. It relates it back to your goals. We've also got the advantages, the disadvantages, and the risks outlined there for you as well. Okay? Excellent. If I can get you to scroll down for me just to page number 33, there's a table here I just wanted to take you through really quickly. Beautiful. So this one here, you'll see the table there under the outcomes, and that's essentially showing you the projection table above. But we also have to note that there is an effect. So paying for insurances out of super does have an effect on your retirement income. And this shows you the same projection table above, but it also shows if you were not paying for insurances out of super, you can see the same projection table and showing over the next five to ten years where your super could end up. It's essentially showing you the projected impact that your insurance premiums recommended have against your current scenario versus if you didn't pay for insurance. So it's just showing you the impact that we can see the insurance premiums have on your super over the next five to ten years. Does that make sense? Yep. Yeah. Beautiful. No. That is a really that is a really good question, and, no, it definitely does not. So, essentially, what I'd be looking to do is we're projecting things over the next five to ten years. This puts you in a really good place, but I wanna kind of also look at down the track making additional contributions and building on this starting point. So we can minimize the impact of those insurance premiums by increasing contributions in something as little as, say, $50 per fortnight could have a much greater impact for you long term and offset some of those insurance premiums as well. We also just wanna make sure those insurances stay in line with what you need. So if your income fluctuates and changes that we owe to that, these insurances do increase each year as they go through renewal, so keeping them and bringing them back in line with your needs as often as needed as well to keep the cost low. And then also looking at maybe other ways to mitigate the risk. If you decide to then invest in your own name or have savings and build a buffer, we can also then look to reduce the amount of insurances you need because you've got that buffer or that safety net, whether it be an investment or other savings through cash on budgeting that you can fall back on, and that can also provide a bit of a buffer and reduce the need for those insurances as well. So there's definitely other things that we can do to build on this. I still wanna make sure that you're able to retire at the age of 60 if that's what you want and try to look at ways to build and and make sure that happens for you both. Okay? Yep. Perfect. Do you have any questions that are coming out of any of this? Please let me know if you do. No. That's okay. Beautiful. Now scrolling down to the next section is on page number 37, and this is the third year. Oh, that's That's okay. You're fine. Yep. Yep. That's that's the one. Yep. Is Sergio there? No. That's fine. No. No. You have nothing. That's yeah. That's not a problem at all. Okay. Yeah. Perfect. Excellent. All good. So, Sergio, this is for you. This is essentially with regards to your super recommendation. I did have a look at your super as well as all the other ones out there and the investments. Again, I am recommending you retain Hub 24. One of the good things about with Hub 24 is the two of you are linked in the back end, so it helps to mitigate other fees as well, and you have the aggregation behind you. So it helps to lower the admin fees where possible, which is good. Hub 24 does still work in your advantage because it does give you a lot of different investment options there. If I can get you to scroll down for me to page number 41, I can take you through your projection side of things. Beautiful. Now the the table shows your current balance sitting at 4 at 74,562 with your admin fees, investment fees, the ongoing service fee for us looking after everything, your contributions going in, and your insurance premiums coming out there. And you're in that high growth environment. You sort of talked about how you're both in those different risk profiles and how, Angela, you are comfortable being more growth, and, Sergio, you wanna take a bit more risk because your balance is lower. You wanted to sort of have things working a bit harder. So you remind that high growth environment, which is a 10% split between growth to defensive investment. When I went back and had a look at how your current portfolio is performing, you've got some underperforming investments in there, and it's averaged about 4.28%. I was definitely not impressed with that. So I wanted to go back and remove those investments out of there for you and update your portfolio to make sure it is working a bit harder. The good thing I was able to work out was by by switching those investments, you'll see in the differences column, there's no fee there. I was able to make sure that any underperforming investments were offsetting any capital gains. So to switch your investments around, there's no capital gains effect for your super. Yeah. Yeah. It's good. It means the balance stays the same. When you do have capital gains, and sometimes it's unavoidable. Like with yours, Angela, I tried to mitigate it as much as possible, but we just couldn't get it any lower whilst making sure things work a bit harder. But, essentially, with the capital gains, once that switch happens, that capital gains is essentially paid for or deducted. So it does affect you. The recommended balance will change that. So so, yeah, because yours has no capital gains, your super balance for the recommended column is exactly the same as it currently is, which is good. Your investment yeah. Your investment fees stay the same, but I was all sorry. Your admin fees stay the same. Sorry. But I was able to help lower your investment portfolio cost as well. So instead of paying $540 a year, I can reduce your investment fees to $234. It saves your it saves you or your super $306 per year in investment fees, which is a positive. The ongoing service fee does increase just slightly because we account for growth by $23 for the year, very minimal, which is good. Your contribution stay the same, and there's no change to your insurance because you were happy with them, so the premiums remain the same there as well. The other thing I do like about this high growth portfolio for you, it has a much greater past performance. Over the past five years, it's averaged 10.83%. So if this portfolio can obtain what it has and keep in mind, you can see on the next page, over the next five to ten years, your super balance could grow pretty significantly. Can you see that down the next page? Yes. Sorry. Yeah. Yeah. So in in the newer portfolio over the next five years, you could end up with a 119,000 or over the next ten years sitting at a 180,000 there as well. And this is just a starting point. So the same as with yourself, Angela, we can look at down the track additional contributions to help provide us a benefit there. If you guys the income increases, that means that the the contributions going in will automatically increase there as well. So there's other things that we can do to build on this. It's just about looking at where we're tracking now with these recommendations. Okay. Excellent. Now if you go down to the next page, that's the page that's gonna have the changes to be made to your super with regards to the investment plan. Yes. Beautiful. Yeah. So just sort of running through these, and I said, yeah, your portfolio was a bit older than Angela's was, so there was definitely a few more investments to look at maybe switching out for you. But we've also got at the top there the Benelon Australian equities. That was the one that we discussed last time was underperforming pretty heavily. We're gonna knock that straight out of your portfolio and take it down to zero, so remove that completely. You've also got the Vanguard diversified index. That one there has also not been performing as well as it should have been, so we are removing that completely from your portfolio. You've also got that cybersecurity. You both have this investment. It's giving you access to global cybersecurity, and it's essentially also giving you access to some tech as well. We are keeping that in the portfolio. There is still a place and some growth to obtain from that one. You're a bit underweight at the moment. You wanna hold 7%. You're sitting at about 6.35, so we're gonna buy a little bit more of that investment for you. We've also got the battery and lithium tech. We are holding tech in other areas. So battery and lithium and the one below that, the the MorningStar Global tech, they are gonna be removed out of your portfolio. They have done really well, but we can still hold tech in other ways, and it makes the portfolio cheaper for you as well. Underneath that, you've got the iShares Europe investment. That one is coming out of there as well. We'll still hold exposure to it. We just don't need to hold that investment. And then the s and p 500 is the one below that. That is, again, giving you access and exposure to the top 500 companies within The US. It is still a great place for the investment. It does see ups and downs, but you do see good growth in international equity. So we wanna keep 25% of this investment. You are a bit overweighted. You currently hold 32.65 percent there. We're gonna sell some of that and just rebalance your portfolio back to 25%. You've also got the iShares Asia. We are removing that completely from the portfolio. It's kinda underperforming a little bit. It has been great over the past few years, but it is time to remove it out to replace that and still give you exposure. And then the Van Eck China new economy. This investment you had about 2% off, it hasn't been performing. China really didn't do what it was supposed to, and there's still quite some high tensions there as well. So we are just gonna remove that from the portfolio because there is a risk of it underperforming better than what it already has. Okay. Underneath that, where we're gonna buy into replace some of those ones that we're removing, we'll give you exposure to the India quality ETF. So India has been some really good growth. You wanna see more growth there, and we can see growth coming. So we'll see about 7% of that investment there for you. Underneath that, you've got global health care. They're giving you access and exposure to the health care sector globally, and we wanna hold 7% in that investment. We have seen some good growth, wanna see good growth moving forward, and this is giving you exposure to health care in general, but also the tech side of things. And there's a lot of changes coming within that space, so it is good to have that invested in your portfolio. You will also see underneath that the beta shares Rafi of Australia two hundred. So this is giving you some exposure into the Australian market. We are holding that investment at about 15% for your portfolio. And to give you some more exposure to the Australian market, we're also holding underneath that the a 200. So these two investments are giving you exposure to essentially some of the top technically 400 companies on the ASX. It's not necessarily buying the same country companies. It weights differently depending on, you know, what companies fit the two portfolios, which is great. So it's not holding the same companies over and overexposing you in any way. Together, they will be about 25% of your portfolio, Sergio, and it's about looking at making sure we're getting some Australian exposure because Australia does provide and has provided some good growth, not as much as international equities, but we still need to hold some Australian companies. They do provide good good growth and exposure there for you. Okay? Underneath, we also have that day reg, the JT Morgan Global where you said enhanced equity funds. So one of the things that you both were comfortable with was having a little bit of active management here. So with this portfolio, with this investment, it does it's a it's a passively managed fund, but it has a small active component, which is great. So it's a cheap investment to hold, and it has some active management. It utilizes JPMorgan's research team to pick and choose areas of growth, and they add additional investments in utilizing that. It's also global, so it's also giving you great diversification. As much as you're in that high growth environment, we still want to see that ninety ten split and take a bit more risk to get returns. But where we can humanly possible mitigate risk, we wanna also look at doing that. So diversification is one of the best ways to mitigate market risk and spreading that risk level across different asset classes, different countries, and also different areas of investment. So that's one of the good things we do wanna have in here, and this investment has been some really good growth as well. Okay. Underneath that, which kinda goes on to the next page a little, you've got your physical gold. Physical gold has been really good growth. We still expect it to. We wanna hold 7% in your portfolio. We'll have physical physical gold in both your portfolios, essentially. One of the good things is physical gold is a growth investment. It does see fantastic growth, but it is also a defensive investment at times because if you think back to the GFC or when markets or equities don't perform as well, people move money into physical gold as a bit of a safe haven. So it's a growth asset that can act defensively when it needs to as well, and we all love a bit of physical gold. So holding 7% in your portfolio is good. And then you've also got core composite bonds. This is giving you exposure to both government and corporate funds. It's essentially holding about 7%. This newer portfolio, when you both sort of have a look, it's the same portfolio for the both of you. It's just basically in different weighting. And, Angela, you also have a little bit more defensive. So you've got the iShares yield plus. So this is the different weighting giving you so you get more high growth for the asset allocation, other making sure that you're, you know, looking at a good diversified portfolio that's low cost, has shown good past performance, and looking to mitigate as much CGT to change the portfolio as possible. Does that make sense? Do you have any questions about this at all? Beautiful. Excellent. If you scroll down for me to page number 46, this here is just recommending that we retain your life, your CPD, and your income protection within within a center. Just keeping as is, you may mention that you were comfortable with the level of cover you have between your life, your TPD, and your income protection level is as per your current income. So it does work and is at the right level there. So we're recommending to retain that exactly as it is, and we'll just make sure that moving forward, we do, you know, reevaluate those levels of cover with you and make alterations as they needed. Okay? Beautiful. Down on page number 48, I also have that same projected table that shows you the effect of having insurances paid out of super on your on your super balance over the next five to ten years. Beautiful. So you'll see here with this under the outcome there, you've got your current table that shows your current portfolio, your current projected outcome, current fees, and then the recommended is the recommended side of the above table again. So retaining your current insurance premium, but the new portfolio projected over the next five to ten years. The last column shows the same recommended for newer portfolio projected. However, if you did not pay any insurances out of your super fund. So it's essentially showing you with the recommended over the next five to ten years, we understand that insurance premiums have an impact on your balance, and this shows you that impact over the next five to ten years based on the recommended side of the table. Okay. Beautiful. From there, if I can get you to skip a few pages and go to page number 50, this is just looking at the beneficiary. Beautiful. So this is for the both of you just recommending that we realign your beneficiary nominations on your hub 20 four super and, Sergio, your ascender life insurance policy so that if in the event that one you passes away, your super benefit and your life insurance is paid to the other spouse. That allows you then to keep paying down debts and covering bills and things like that. And then if you scroll down even lower, we've got the recommendation to speak to a solicitor and have a will and power of attorney drawn up. And these essentially allow you to then account for the other side of it where if something happens to the both of you, that how would that money be held in trust to your kids, how would it be paid out, what you wanted to have it you know, what percentage you want to have it paid out in, and how you wanted that to work. So it's yeah. So, essentially, you'll see for beneficiaries cover if one of you was passed away, and then the contingency is placed in a will and having that done through a qualified solicitor can help you to make sure that those are up to date, correct, and reflective of your wishes. Okay. Beautiful. Oh, that's that's absolutely fine. That's not a problem at all. Angela, if I can get you to scroll down to page number 59 for me, the last little things I need to show you are just the remuneration side of things. Oh, I'm so sorry. Beautiful. So this is the remuneration side of things. Now there is no upfront cost for the advice. It's all part of you being an ongoing client, and we don't charge anything new for the advice pieces with relation to super or insurances. It's all part of us working towards your goals and updating advice as appropriate and in and in your best interest. However, I do need to show you that with the insurances, we do receive ongoing remuneration. So if you do go ahead with the Clearview policy, we do receive remuneration from ClearView. Not paid by you. It's from them. To us, we received 66% of the first year's premium and 22% that are ongoing after that. So that is the two tables they're outlined, and it's also showing your ongoing service fee at the bottom. You currently are on that 1.10% structure with Sergio. Excellent. And then on the next page, we've also got Sergio's ongoing remuneration. So his ascender or MLC, which is now a sender policy, is already enforced. So we just received 22% there ongoing of the premium. And, again, he's on that 1.10% for the fee structure for our ongoing services. I just like to make sure I go through that with you and show you. The recommendation for the Clearview policy isn't for me, it's not about the remuneration side of things. I like to be upfront and honest with you about what we receive and how that works, But the recommendation has been produced in line with your goals to make sure that you're able to essentially claim an amount that covers that helps to provide for expenses in the event that you're off work due to illness or injury, and the recommendation is there for you to review. I've also gotten the appendices, the difference, the alternative, where if you're happy to take a lower amount of income protection, that the cost could also be lower, and it has a much smaller effect on your super as well. So we outline the recommendations, the advantages, the disadvantages, and the risks involved, and I show you and honest with you about all of that, and then you get to decide what you're comfortable taking it. If you decide not to take the Clearview policy, that is absolutely fine. It's just gonna be what you're comfortable with, and I'll show you how the advice works and how we meet your goals to to kinda get you to that point. Okay? Excellent. Once you've kinda gone through that, if you are happy to proceed, on the very bottom page of that document and please take some time to read it through because I know it is absolutely a lot. But on page six sixty four, we do have the signing section. So once you've kinda gone through, you've had a good read of it and talked about it, if you decide to take all the advice, we get you to sign and return that back. If there is any part of the advice you don't wish to proceed with, you'll see those colored boxes at the top there. Mine's saying multiline. I'm not sure what yours say. But you can always write in that box any area that you don't wish to proceed with. So if you want to not take the ClearView policy, if you wanna take the one in the appendices and look at discovering 50% of your income, you just make a little note in that box there. And when the document comes back to us, we check that, and we make sure we move forward in line with what you're comfortable with. Does that make sense? Yep. Beautiful. And if you scroll back up there for me, just to page 63, this outlines how we will implement the advice if you decide to take it all on board. Essentially, step one is that you sign and return the document back. Step two is we'll do the investment switch for each of your supers first. We'll get those supers done and remove those underperforming investments, and then we'll book you in to go to the in the income protection increase application or the increase the application for your income protection. That will go through the underwriting team, and we'll keep up to date with you to see how that's going as it is assessed. Then we also make sure we send out those beneficiary nominations so they can be signed, returned, and have those beneficiaries up to date. And then the last step is just making sure you speak to us, Lisa. We can refer you to one, or if there's one that local that you're comfortable talking to, then you can always make sure you text them. But just doing a pure will and power of attorney is the last step of the advice document. Okay. Beautiful. Now I know there is a lot. I'll let you guys go back and have a read through it. Let me know if you do happen to have any questions at all. I know my team will definitely check-in to see if there's anything they can answer, and if you are happy to take the advice to get you signed and return it back. Now I just need to let you know I am off for the next two weeks. I'm having a small break. I will make sure that if I haven't heard from you beforehand that I do touch base, whether by email when I return on the twenty eighth. Just to see if you have any questions there. But at the moment, is there anything that's kinda come up question wise that either of you can think of? Or Yeah. Yeah. No. You're right. So there's no real deadline for you. It's when you're comfortable to do so. If you're happy with the recommendations and wanna take them all on board, then we'll just need to sign and return it back as soon as possible. That would be great so we can implement everything for you and get the investments which is at least done. But if you wanna take a second to read it, you do actually have sixty days. The advice document is valid for sixty days. And as long as you sign and return back within that time frame, that's absolutely valid and fine. Okay. Beautiful. Excellent. I know it's a lot, so I always make sure I give you guys chance to read it and take some time because I know it's a lot. But I really appreciate you allowing me to put this together. I've really enjoyed doing the research and putting it together and looking at ways that we can boost your super and make some changes, and there's this is just the starting point. There's other things that we can do to kinda build on that down the track for you both as well. Okay. That's not a problem at all. I will let you go. I hope you both have a lovely evening and a wonderful weekend. And if I don't hear anything back, I would touch base when I return on the September 28. Okay? Oh, thank you so much, Angela. Thanks for taking my call. Enjoy your evening. Say bye, and thank you to Sergei for me. Thanks. See you later. 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Angela. It's Dana from Okie Financial. How are you? I'm very well. Thank you.\n\nI had yourself in 3rd PA booked in to go through your updated advice document. Is now still a good time for you? Fantastic. Is Sergio there with you as well? That's okay.\n\nNo worries. What I'll do is I'm gonna send this document through to you. Is one of your or both will be able to pop into your email there just to pull it up? We can look at it together. That's all.\n\nThere you see. How's your day been? Absolutely. Perfect. It yep.\n\nThat's correct. Yeah. Perfect. Now just before I jump into the call, I do have to let you know we do record our calls for quality and training purposes. Are you happy for us to proceed with that?\n\nExcellent. And I'll just do a quick security check there with you as well before I discuss your personal information. Just to confirm, your full name, your date of birth, and address I should have on file? Mhmm. Beautiful.\n\nThank you so much for that. Excellent. So when you can see the first I just need to say that he's there. And if you can give me here, say, the best and full name, that would be perfect. Yep.\n\nYep. Yeah. Oh, but thank you so much, Sergio. Yep. Yeah.\n\nThat's fine. You're good. Thank you so much. But how's your weight being Sergio? Beautiful.\n\nFantastic. Yes. That's it. It's been horrible weather up here today. We've had overcast and windy.\n\nShocking. Yeah. Yeah. Wow. Oh, lovely.\n\nWell, let's come through this for you. I appreciate you giving me the time to put this together for you. Essentially, we were looking at your super and how to kind of boost things for you both a little bit there. We had noticed in our last call there was some underperforming investments, so we wanted to update your portfolio looking forward. And, Angela, you also wanted me to have a look at income protection to see if we could get you some more income protections to cover you in the event of not being able to go to work in the short term as well.\n\nOkay? Excellent. On the front page, sir, you'll see this document is an overview financial statement of advice prepared for yourself, Angela and Sergio, as of the 09/10/2026. All our advice is valid for sixty days from the date of the document there. So once we've gone through things, I will let you go back and you can have some time to read it over, talk it between yourselves.\n\nAnd then if you are happy to take on the advice, we'll get you to sign and return that back there for us. Okay? Excellent. On the bottom of the front page, it has my authorized representative number. So I'm a licensed adviser registered with Aptive, and my registration number is 1304394.\n\nOkay. I am gonna skip through just a few pages as we are going through just to sort of focus on the areas that I need to touch on because I do let you go back and have some time to read it over as well. And in the meantime, if you finally have questions, please just let me know, interrupt me and shout them out. Okay? Excellent.\n\nAs we are going to the next page, it notes the best interest to you. Just making sure any advice we do provide is there to make and assist you in meeting your goals and provided in best interest. We've also then got the table of contents so you can just scroll past that one. And then page number three, you should see if you're facing of the advice. So we're looking here at your superannuation.\n\nEssentially, we're looking at basically being able to retire at around about the age of 60 there with a target retirement of about a thousand dollars per week each from your supers. And you also wanted us to look at reviewing and updating your superannuation investment, and switching out any underperforming investments to update the portfolios on market conditions. Does that sound appropriate for you both? Is there anything you would change there at all? Yes.\n\nExcellent. Then the next page, we have your insurances. So you both do have some insurances. You've self answered. You've got life and income protection currently.\n\nBut, yeah, you have life and income protection there. So, essentially, we were keeping both of your life covers in force. You're both comfortable with the level of life cover you had. Sergio was happy with his life and income protection benefit. It felt appropriate at the time.\n\nAnd, Angela, your income protection benefit was very minimal, so we were looking at trying to increase that benefit a bit to provide a higher level of cover in the event that you were off work due to illness or injury. Okay. Excellent. We've also got on the next page the estate planning. So one of the things we talked about was your beneficiaries.\n\nEssentially, you both had the children noted at 50% each. But with the beneficiaries, it's essentially put onto your super to provide a benefit in the event that one of you was to pass away. So we talked about having that benefit updated so that in the event of passing, you went to each other, and then just making sure you do have a will set up with a solicitor and a power of attorney to make sure that in the event that something happened to the two of you, that you could then have those funds directed through your estate to each of your children. Does that still sound fairly appropriate? Yep.\n\nExcellent. On the next page, we have where we're not looking at advice today, so things that we're not considering. You're still both very young. You do have that retirement goal, so I'm not projecting all the way to retirement essentially because you still have a lot of time ahead of you. I know it doesn't feel like it.\n\nI'm the same age as you. It feels like life is disappearing, and this year is falling by that, Michelle. But you still do have a lot of time when it comes to your safety there to build on things and work towards your retirement goals. So I just project over the next five to ten years to look at where we're tracking, and then we continuously update the advice as appropriate towards your retirement goals there. When you do get within that ten years, then we'll have a look at what that retirement income looks like for you both.\n\nOkay. Fantastic. The next page outlines the other areas that we're scoping out for personal insurances. So, Angela, you didn't wanna look at CBD, so permanent incapacity at all, and neither of you wanted to look at having trauma or child trauma cover for the insurances. Okay.\n\nExcellent. And then the last one is the debt. So you're both wanting to look at, obviously, personal investments and debts as well. We're scoping out both of those in the next few pays there. I remember saying the more the referrals to some mortgage broker.\n\nHow did you both go with them? Have you had a bit of a chat with a mortgage broker? Okay. Yes. Yes.\n\nYeah. Yeah. Yeah. Absolutely. That's okay.\n\nThat's absolutely fine. And look if there's other ways of personally investing personally, you can also look at building investment portfolios, utilizing investment bonds, also portfolios with shares and ETFs and hedge funds like your suit is invested in. So we can always look at those things down the track there for you, look at what your goals are, what you're after, and build investment portfolios that help you to meet those goals and help you to supplement income in retirement down the track if that's what you're after as well. So we'll scope out the debt and the personal investing for now, and we'll come back and read this as you both are comfortable to do so. Okay.\n\nExcellent. Beautiful. Now with next page has a limited advice warning. It's just letting you know that we're not solicitors, so we don't draft up will. We do refer you to a qualified lawyer to do that.\n\nWe provide advice around general insurance I'm sorry. Around personal insurance products, not general insurance. The general insurance is looking at house, motor and liability, business insurance. We can always refer you through to a general broker if you need the services of one. But other devices, we're licensed to provide advice around personal insurance products.\n\nSo things like life, PPD, income protection, trauma, and a few other additional there as well. Okay. Excellent. The next couple of pages have the about you section noted and then your assets and liabilities as we went through in the last call there as well. What I'd really like to do for you both is if I could get you to scroll down for me.\n\nWe're just gonna skip a few pages here. Sorry. If you can go to page number 20 for me, I'll start to take you to those recommendations just by then. Beautiful. So, Angela, this one for yourself.\n\nWe started by having a bit of a look at your super as well as the investment. So one of the things that I do like to do is do a full research on the platform as well as the investments contained in it because your super is about the entire thing. This platform is essentially the vehicle for holding the funds, whereas the investments are what makes the money grow and build and work towards your retirement goals. I am recommending that we do retain '20 four. The platform itself is actually really good.\n\nIt's there's nothing wrong with it. It does hold a really good range of investments that we can sort of switch between. So I did review the platform as well as the investment, and I'm recommending you stay within hub twenty four. I am definitely recommending we switch those investments up, and I'll show you that in a second what that looks like, and then continuing to get your employer contributions paid into the fund there as well for you. Okay?\n\nExcellent. If I can get you to move down a few more pages to page number 24 for me, I'll show you a little bit more around this recommendation, and then I'll take you through what the switch will look like with regard to the investment. Beautiful. So one of the things I consider you're sorry. Did you need a second more?\n\nSorry. No. You're fine. You're good. Essentially, with this one here, it's showing you the recommended and the comparison table there.\n\nSo you've got your current situation balance of 186,433 with the admin fees, investment fees, the ongoing service fee we charge, and your contributions going in with your current insurance premiums noted there as well. Within your portfolio, you're a growth investor. We talked about how that's got that eighty twenty split of in of growth and defensive investments, and when we kind of assess that you are happy to stay in that growth portfolio. The current portfolio you're in with the current investments, when we look at how that's averaged over the past five years, it's roughly about 8.34 percent, which isn't bad in any way, shape, or form, but we want that to work harder and build and work harder for you. So what I am recommending is we do retain Hunt 24 as a platform.\n\nWe will switch the investments out. One of the things I do look at is the capital gains consequences. So your super fund, just like you, does a tax return every year. Within super, your super fund pays income tax as well as capital gains tax as well. So you'll see in the differences column there's a a dollar of $421.\n\nIn order to make the changes within the platform and switch your investments, we've worked out that the CDK cost your super will account for is $421 in order to switch the investment. Does that make sense? Yep. Beautiful. The other thing I did was have a look at the investment fees.\n\nWe wanted to make sure you have the investments that were working harder for you, but I wanted to try and find a cheaper a cheaper investment portfolio because one of the ways we can sort of build and boost that super is to reduce the fees that are coming out of it. At the moment, your investment fees are about $776. With that newer portfolio, they dropped to 529. So it's essentially saving you over $200 in investment fees for the year, which is good. Yeah.\n\nExcellent. And underneath that, there's no real change to the ongoing service fee. That is still staying roughly the same. It's gonna change by about $19. It'll actually go down by $19 and save you at 19 dollars per year, which isn't bad.\n\nAnd then you've got your employer contribution still going in. The other thing I will go through with you in a minute is the insurance premium. Now this was higher. It is a bit more about $5,000 higher, and that is because of the cost of the income protection that I'm able to recommend for you. I have a a another option.\n\nIt was an alternative that I've considered in the appendices, but I'll take you through what this looks like first. But just so you can see, the expected increase for increase in your income protection policy there as well. Okay? The other thing we wanna look at is how the newer portfolio has sort of grown and worked over the past couple of years. So this newer portfolio is not only cheaper, but it's also shown a greater past performance.\n\nSo over the past five years, it's at least about 10.18, which is great. We wanna get as much growth as possible out of the portfolio. And if you scroll down to the next page, you'll see the projection table. Now I project over the next five to ten years. So this is sort of showing you your current if you stay where you are with the same insurances in the same portfolio over the next five to ten years, you could essentially end up with about 275,000 or over 380,000 within sleep in the next ten years, which is great.\n\nHowever, with the new recommended portfolio, by saving fees and having a greater past performance and even including increasing the cost of increasing your income protection, in the next five to ten years, you can actually end up a little bit further in front, which is a positive and a bonus for yourself. You could end up with about $800 difference, but it means that this newer portfolio with the reduction of fees has been keeping up with inflation. It has also it does also keep up with the fact that you've got a higher insurance cost noted above there as well. Okay. Beautiful.\n\nThat can be a lot. Do you have any questions in relation to any of that there at all? Absolutely. Yeah. Absolutely.\n\nIt is a lot to process. I absolutely get it. It's not a problem. It's always good that you're looking at it with me because it is a lot of numbers to go through, and it can take a minute to process it all. So absolutely.\n\nAll good. If you scroll down to the next page for me, I'll show you what the changes will look like within your super fund for you to be able to obtain that newer portfolio. Beautiful. So to make this a bit easier, because there is a lot going on here in that table, the first column outlines will be individual investments that both you currently have and that we're gonna add into the portfolio. What we're sort of looking at here to make it easy is that lovely buy sell column with the red and the green.\n\nThat shows you the investments that will be sold down whether full or partial and what we're gonna purchase in the portfolio for you as well. So to give you a fairly easy rundown, with the battery and lithium tech, we are removing that completely from the portfolio. It has performed really nicely, but we found a much cheaper way to hold that investment for you. You've also got the Benelmong Australian Equities. That investment is the one that's been underperforming.\n\nWe talked about getting rid of that and removing it out of the portfolio and replacing that with something else. So that'll be fully sold down for you. We've also got the a BetaShares Bank hybrid. Now these are actually being phased out by the government in the next couple of years. So whilst we are making changes, we may as well remove that from your portfolio and replace it with something else so that things can work a bit harder for you down the track.\n\nYou've also got some physical gold. You're sitting at about 7.8% at the moment. We wanna hold about 8%, so we're gonna buy a little more of that physical gold for you, which has been performing well, and over the longer term, is a really great asset to hold in your state of funds. We've also got cybersecurity. This is giving you access to global cybersecurity.\n\nAgain, it's good for diversification. You're a bit overweight at the moment. You've got 8% in your portfolio. You only wanna hold about 5%, and cybersecurity has seen some really great growth there. Yeah.\n\nSo we're just gonna reweight and rebalance your portfolio back. We sell about 3% of that, and we distribute that across the rest of the portfolio, and it just rebalances you back to 5%. Okay. Excellent. We've also got the IHS called composite bond in here.\n\nThis is giving you access and exposure to both government and corporate bonds as well as other defensive assets like bank notes, the cost, and it gives you some international exposure as well, which is great. You're a little bit underweighted in your portfolio. So you've only got 8.63%. We wanna hold 9% of this investment here, so we're gonna buy a little bit more to bring you back up in that waiting. We've also got the s and p 500.\n\nThis is giving you access and exposure to the top 500 companies on The US market there. You've got 28.19%. You're a bit overexposed currently. We're gonna sell a little bit of that off and just bring you back to 20% in your portfolio. The other thing we've got here is property, Australian property.\n\nProperty has taken a bit of a hit since the changes came into play with the negative gearing and the capital gains consequences. It's underperforming a little bit, so we're gonna remove that out of your portfolio currently. There might be a place to put it back into the future, but right now, it's underperforming. So we'll start to we'll just remove that for the time being and replace it with something else that's performing a little bit better for you. Excellent.\n\nYou've also got the beta shares Rafi 200. This is giving you some exposure into the Australian stock market. You've got about 16.57% there at the moment. We wanna hold 15% of your portfolio, so we're just gonna sell a little bit of that off for you. When you look at the last couple, this is just adding some extra exposure into your portfolio to kind of build on what you've currently already got and what we are keeping.\n\nSo we're gonna give you exposure into the India quality ETF. This is giving you exposure into India. Has seen some good growth there. There is still growth to be had, and we wanna hold 5% of that investment currently. Underneath that, you've, yeah, underneath that, you've got the the health care.\n\nThis is giving you exposure to global health care. So, again, diversification, and we wanna hold 4% of that investment. Health care still sees really great growth. This is not only just giving you the real health care, but it's also the tech side of health care as well. They're giving you some tech exposure.\n\nAnd there are some really big changes coming in the health care space when we look at the tech side of things as well. So it's a really great place to be invested. It's only gonna be about 4% of your portfolio, so it's only a very small percentage there for you. Yeah. We've also got the BetaShares a 200.\n\nThis is giving you a bit more exposure into the Australian market. It's helping to because we're getting rid of Benelongs. This is giving you exposure into the Australian two top 200 companies. This, along with the rapid, is giving you greater diversification, and one of the biggest things we look at with risk mitigation. We all wanna see good returns and take a little bit of risk, but we wanna try and mitigate as much market risk as we possibly humanly can.\n\nAnd one of the ways we look to do that is to diversify your portfolio, spreading your risk across different asset classes, across different countries, and across your your different sectors as well. And so doing that helps to spread the risk level quite significantly. The idea is where you wanna be invested in enough countries and asset classes where if one is down, another is up to mitigate that. So we know markets will go up and down, but we wanna see some of the portfolio working well when others might not be working as well and vice versa. And that's how we take advantage of the market ups and downs, essentially.\n\nSo this is giving you greater diversification and making sure you've got access into the Australian market there as well. I'm so sorry about that. The other thing we talked about was having a bit of active management in your portfolio for you. You both were happy to see a little bit of active management because you are still younger having a bit more risk side of things, and that's when this investment comes into the JPMorgan Global Research Enhancement Equity Fund. This is actually giving you a very low cost managed fund.\n\nIt's giving you global exposure so across the globe, but it's utilizing JPMorgan's research team to pick and choose certain investments where there might be additional growth. It's only a small portion of active management, so it's mostly a passively managed fund, but it is keeping some active management in your portfolio for you and adding a little bit of that active risk in there, which is kind of what you just wanted to see. We'll just keep monitoring this with you probably every six months to see how it's going. If it's ever sort of underperforming or not doing what it's supposed to, then we can always look to swap it out to something else for you as well. Okay.\n\nExcellent. And then the other side of that is having more defensive investments. We are removing the bank hybrids, and they were more of a defensive investment. We're removing them because they are being phased out down the track. So in your growth area, you wanna see about roughly 20% invested in defensive assets, so things like cash, bonds, and fixed interest.\n\nThe iShares, Yield Plus, and your core composite bonds, they essentially are your defensive investments. You hold 18% between the 9% of each. The iShares Yield Plus is giving you exposure to essentially defensive investments that are high income producing, and that's really good. We want income to be produced out of your portfolio. That income is paid into your cash account, and that's reinvested back into your portfolio for compounding.\n\nAnd bonds are also really good for that as well. They pay income on a regular basis into your cash account, and that gets redistributed across your portfolio. So we want a mixture of growth, so changes in investment prices, as well as income from your portfolio there as well. And having those defensive assets is also good for long term risk mitigation where equities might not be performing very well so that in those of the times, defensive assets hold and perform very strongly for you as well. Does that make sense?\n\nDo you have any questions in relation to any of that? Yeah. Yeah. Oh, thank you. No.\n\nThat's okay. I try to make it as easy as possible for understanding because not everyone is that, you know, open to wanting to hear. But then if there is anything further you wanna know, I'm happy to delve deeper into it for you as well. But, yeah, it's a really good change to the portfolio. I like the way it looks.\n\nIt incorporates a lower cost portfolio with some active management, and it's also saving on fees, which is great. And there's only a very small CGT cost in order to switch the investments around for you, which works. Yeah. Beautiful. So that is essentially your super part.\n\nNow I'll take you through the insurance side of things. This is the one thing that I really wanted to sort of talk to you about. With the insurance side of things here, now this is essentially showing you we are retaining your life and income protection that you do hold within that hub twenty four platform account at the moment, and that will give you a base level of cover. The other thing we sort of talked about was being able to top up your income protection so that if you are off work for any particular reason, that you would have that extra level of cover. And we also sort of are looking at a lower waiting period.\n\nSo the other thing is with your income protection cover on your HUD 24 account, you've got a ninety day waiting period. So I've recommended a lower waiting period, which means you only have to be off work for thirty days for this newer income protection cover. That essentially means you can claim earlier, which puts less stress on your family's expenditure in the event that you're unable to work. One of the things that I looked at for this is that your income is technically higher than Sergio's, so you're more of the breadwinner. It doesn't so please don't make this sound bad to Sergio in any way, but it's more about making sure that your family can survive in the event that something happens.\n\nYou've got mortgages and bills and all the things and food, and nothing stops coming in. So having a thirty day waiting period on this on this ClearView policy means that there's a portion of your income protection you can claim earlier to give you a bit of a buffer while you're sitting at a ninety day waiting period to claim on the rest of the income protection within that group cover policy. Does that make sense? Yep. Beautiful.\n\nThey both do have a five year benefit period. You can be on the claim for up to five years. The disadvantage to a five year benefit period is that once that five years ends, the claim will stop regardless whether you can go back to work or not. The advantage to that is that it makes the cost a bit lower. So you can have an age 65 benefit period as well, which means you can be on a claim up to the age of 65.\n\nHowever, it does make the premiums very expensive. So to try and lower the premiums as much as possible, but still make sure you have a good benefit period to cover you in the event that you're off work, that five years is kind of a happy medium for you. Okay. Excellent. So, essentially, with your current income protection monthly benefit of a $1,113.91, in order to cover you for up to 70% of your current income, we needed to then increase and provide a new benefit or a new policy to give you a monthly benefit of $4,719.\n\nThat equals that 70% when you add the two together. The disadvantage is when we kinda went through the pre assessment there, we did note there was some health consent. So when we went back to do the blind pre assessment with the underwriters and the insurers, they did note that this policy would be expensive because they're adding a 150% loading onto it. So it essentially means the expectation for the premium for this policy would be $5,923.26. Because it is paid out of the Superfund, you get a 15% discount there.\n\nSo it means that the amount you would pay for this policy out of super is $5,034.70. That added to the already amount you're paid out of you're paying out of the super fund. It means that we can expect the total premium sorry. I'm just running back double checking. It's $5,416.\n\nThat is for your current life and income protection policy as well as that new clear view policy total for the year. Okay? So that's the whole year. Yeah. Yeah.\n\nDefinitely. Yeah. It is a lot. If you look at the next page, it basically breaks down because of the health concerns that were disclosed in the pre assessment, they've added a 150% medical loading onto it, and they will only cover you for your main occupation. Because you do have that secondary job, they will exclude any claims for your secondary occupation there.\n\nIt's not the best terms, and I'm so sorry about that. We did try to, you know, argue the point with them. But at the end of the day, the biggest thing with the underwriters and the insurance companies are they're essentially assessing the risk of them paying a claim. And when there are prior health concerns, when there is things that increase the risk, then they do add those loadings on there because there's more more more of a chance they're gonna pay out on that policy, essentially. As a difference, in the appendices, which you'll also have attached there, it is the next document down, and you'll be able to take some time to read it through as well.\n\nBut in the appendices, I did actually have a look at if you were to only increase or add the Clearview income protection policy to cover 50% of your income. So it essentially means that instead of applying for 4,717 as a monthly benefit, you'd be applying for a lesser amount. It'd be $3,052. It essentially that plus your current 1,113 would cover 50% of your monthly 50% of your income if you are off work. It does reduce the total insurance premium.\n\nSo instead of paying that 5,400, the expected premium out of super would be 3,637 even with those additional loadings added. It does essentially mean that you get more growth out of your super, but it's also what's important to you. So the benefit of having this policy, as much as it is expensive, it does mean if something happens, if you're off work, you're able to claim on that policy. The one thing I really do wanna reiterate with you is that we will review this policy with you. If you place it in force or if you go through the application process, we will review this with you.\n\nSo if your income decreases, these policies do also increase over time. We will look to decrease it back to make sure you're staying at 70%, not overpaying the premium. We can also, down the track, include additional contributions to mitigate and offset the effect of those premiums as well. I didn't recommend that. I did think about doing it, but it was something that we discussed, and you've neither of you were comfortable adding additional contributions yet.\n\nLife is very expensive still. So we can down the track you know, look at additional contributions to offset the cost of those premiums as well. I do also have to note that because of what was disclosed, the underwriters did let us know that when you go to application, they will request, like, doctor's reports to show, you know, what the doctor's records have. They will also possibly request, you know, new medical new medicals to be done in order to put the policy in force. That means that a nurse may, you know, contact or you they may ask you to go see your doctor to be able to have those medicals done so they can assess it.\n\nIf there is anything that comes out that we're not aware of or that increases the risk, there is a risk of a decline of that income protection policy as well. So I just wanted to show you what this looks like and be open and honest with you with how what this, you know, what's expected with regards to this. And then you get to decide what you're comfortable with and how you would like to proceed with the income protection side of things. Does that make sense? And do you have any questions?\n\nMhmm. Mhmm. Yeah. Yeah. Correct.\n\nSo what you have currently saved as it is, there's no change there in any way, shape, or form. It just means that if they decline that policy, we can't take that new ClearView policy there. But yeah. Yeah. Yeah.\n\nYeah. Beautiful. Absolutely. Yeah. Absolutely.\n\nAnd that's why we're I'm glad we've got that group cover already in place because that is kind of your backup protection. That will not change. That stays there regardless. This newer policy, if it's declined, if it doesn't affect that current group cover policy you have. Okay.\n\nYeah. And then when you when you do look at the appendices, if you scroll into that document to the basically, the end, you'll see there is a insurance comparison showing the lower level of cover, the lower premium, and the lower projection table for you as well just so you can consider the differences. And you're welcome to let me know if you have any questions or wanna look at alternatives, and it's it's really just handed off on what you're comfortable with. Okay? Beautiful.\n\nSorry. I know it's a lot to go through. I just wanted to be honest and open and let you know it's all out there so you know what to kind of expect and what could happen. And I've also got in there a lot of information. So when you go back and read the advice document, I've got the best interest duty noted on all the different areas of the advice for you to have a look at.\n\nIt relates it back to your goals. We've also got the advantages, the disadvantages, and the risks outlined there for you as well. Okay? Excellent. If I can get you to scroll down for me just to page number 33, there's a table here I just wanted to take you through really quickly.\n\nBeautiful. So this one here, you'll see the table there under the outcomes, and that's essentially showing you the projection table above. But we also have to note that there is an effect. So paying for insurances out of super does have an effect on your retirement income. And this shows you the same projection table above, but it also shows if you were not paying for insurances out of super, you can see the same projection table and showing over the next five to ten years where your super could end up.\n\nIt's essentially showing you the projected impact that your insurance premiums recommended have against your current scenario versus if you didn't pay for insurance. So it's just showing you the impact that we can see the insurance premiums have on your super over the next five to ten years. Does that make sense? Yep. Yeah.\n\nBeautiful. No. That is a really that is a really good question, and, no, it definitely does not. So, essentially, what I'd be looking to do is we're projecting things over the next five to ten years. This puts you in a really good place, but I wanna kind of also look at down the track making additional contributions and building on this starting point.\n\nSo we can minimize the impact of those insurance premiums by increasing contributions in something as little as, say, $50 per fortnight could have a much greater impact for you long term and offset some of those insurance premiums as well. We also just wanna make sure those insurances stay in line with what you need. So if your income fluctuates and changes that we owe to that, these insurances do increase each year as they go through renewal, so keeping them and bringing them back in line with your needs as often as needed as well to keep the cost low. And then also looking at maybe other ways to mitigate the risk. If you decide to then invest in your own name or have savings and build a buffer, we can also then look to reduce the amount of insurances you need because you've got that buffer or that safety net, whether it be an investment or other savings through cash on budgeting that you can fall back on, and that can also provide a bit of a buffer and reduce the need for those insurances as well.\n\nSo there's definitely other things that we can do to build on this. I still wanna make sure that you're able to retire at the age of 60 if that's what you want and try to look at ways to build and and make sure that happens for you both. Okay? Yep. Perfect.\n\nDo you have any questions that are coming out of any of this? Please let me know if you do. No. That's okay. Beautiful.\n\nNow scrolling down to the next section is on page number 37, and this is the third year. Oh, that's That's okay. You're fine. Yep. Yep.\n\nThat's that's the one. Yep. Is Sergio there? No. That's fine.\n\nNo. No. You have nothing. That's yeah. That's not a problem at all.\n\nOkay. Yeah. Perfect. Excellent. All good.\n\nSo, Sergio, this is for you. This is essentially with regards to your super recommendation. I did have a look at your super as well as all the other ones out there and the investments. Again, I am recommending you retain Hub 24. One of the good things about with Hub 24 is the two of you are linked in the back end, so it helps to mitigate other fees as well, and you have the aggregation behind you.\n\nSo it helps to lower the admin fees where possible, which is good. Hub 24 does still work in your advantage because it does give you a lot of different investment options there. If I can get you to scroll down for me to page number 41, I can take you through your projection side of things. Beautiful. Now the the table shows your current balance sitting at 4 at 74,562 with your admin fees, investment fees, the ongoing service fee for us looking after everything, your contributions going in, and your insurance premiums coming out there.\n\nAnd you're in that high growth environment. You sort of talked about how you're both in those different risk profiles and how, Angela, you are comfortable being more growth, and, Sergio, you wanna take a bit more risk because your balance is lower. You wanted to sort of have things working a bit harder. So you remind that high growth environment, which is a 10% split between growth to defensive investment. When I went back and had a look at how your current portfolio is performing, you've got some underperforming investments in there, and it's averaged about 4.28%.\n\nI was definitely not impressed with that. So I wanted to go back and remove those investments out of there for you and update your portfolio to make sure it is working a bit harder. The good thing I was able to work out was by by switching those investments, you'll see in the differences column, there's no fee there. I was able to make sure that any underperforming investments were offsetting any capital gains. So to switch your investments around, there's no capital gains effect for your super.\n\nYeah. Yeah. It's good. It means the balance stays the same. When you do have capital gains, and sometimes it's unavoidable.\n\nLike with yours, Angela, I tried to mitigate it as much as possible, but we just couldn't get it any lower whilst making sure things work a bit harder. But, essentially, with the capital gains, once that switch happens, that capital gains is essentially paid for or deducted. So it does affect you. The recommended balance will change that. So so, yeah, because yours has no capital gains, your super balance for the recommended column is exactly the same as it currently is, which is good.\n\nYour investment yeah. Your investment fees stay the same, but I was all sorry. Your admin fees stay the same. Sorry. But I was able to help lower your investment portfolio cost as well.\n\nSo instead of paying $540 a year, I can reduce your investment fees to $234. It saves your it saves you or your super $306 per year in investment fees, which is a positive. The ongoing service fee does increase just slightly because we account for growth by $23 for the year, very minimal, which is good. Your contribution stay the same, and there's no change to your insurance because you were happy with them, so the premiums remain the same there as well. The other thing I do like about this high growth portfolio for you, it has a much greater past performance.\n\nOver the past five years, it's averaged 10.83%. So if this portfolio can obtain what it has and keep in mind, you can see on the next page, over the next five to ten years, your super balance could grow pretty significantly. Can you see that down the next page? Yes. Sorry.\n\nYeah. Yeah. So in in the newer portfolio over the next five years, you could end up with a 119,000 or over the next ten years sitting at a 180,000 there as well. And this is just a starting point. So the same as with yourself, Angela, we can look at down the track additional contributions to help provide us a benefit there.\n\nIf you guys the income increases, that means that the the contributions going in will automatically increase there as well. So there's other things that we can do to build on this. It's just about looking at where we're tracking now with these recommendations. Okay. Excellent.\n\nNow if you go down to the next page, that's the page that's gonna have the changes to be made to your super with regards to the investment plan. Yes. Beautiful. Yeah. So just sort of running through these, and I said, yeah, your portfolio was a bit older than Angela's was, so there was definitely a few more investments to look at maybe switching out for you.\n\nBut we've also got at the top there the Benelon Australian equities. That was the one that we discussed last time was underperforming pretty heavily. We're gonna knock that straight out of your portfolio and take it down to zero, so remove that completely. You've also got the Vanguard diversified index. That one there has also not been performing as well as it should have been, so we are removing that completely from your portfolio.\n\nYou've also got that cybersecurity. You both have this investment. It's giving you access to global cybersecurity, and it's essentially also giving you access to some tech as well. We are keeping that in the portfolio. There is still a place and some growth to obtain from that one.\n\nYou're a bit underweight at the moment. You wanna hold 7%. You're sitting at about 6.35, so we're gonna buy a little bit more of that investment for you. We've also got the battery and lithium tech. We are holding tech in other areas.\n\nSo battery and lithium and the one below that, the the MorningStar Global tech, they are gonna be removed out of your portfolio. They have done really well, but we can still hold tech in other ways, and it makes the portfolio cheaper for you as well. Underneath that, you've got the iShares Europe investment. That one is coming out of there as well. We'll still hold exposure to it.\n\nWe just don't need to hold that investment. And then the s and p 500 is the one below that. That is, again, giving you access and exposure to the top 500 companies within The US. It is still a great place for the investment. It does see ups and downs, but you do see good growth in international equity.\n\nSo we wanna keep 25% of this investment. You are a bit overweighted. You currently hold 32.65 percent there. We're gonna sell some of that and just rebalance your portfolio back to 25%. You've also got the iShares Asia.\n\nWe are removing that completely from the portfolio. It's kinda underperforming a little bit. It has been great over the past few years, but it is time to remove it out to replace that and still give you exposure. And then the Van Eck China new economy. This investment you had about 2% off, it hasn't been performing.\n\nChina really didn't do what it was supposed to, and there's still quite some high tensions there as well. So we are just gonna remove that from the portfolio because there is a risk of it underperforming better than what it already has. Okay. Underneath that, where we're gonna buy into replace some of those ones that we're removing, we'll give you exposure to the India quality ETF. So India has been some really good growth.\n\nYou wanna see more growth there, and we can see growth coming. So we'll see about 7% of that investment there for you. Underneath that, you've got global health care. They're giving you access and exposure to the health care sector globally, and we wanna hold 7% in that investment. We have seen some good growth, wanna see good growth moving forward, and this is giving you exposure to health care in general, but also the tech side of things.\n\nAnd there's a lot of changes coming within that space, so it is good to have that invested in your portfolio. You will also see underneath that the beta shares Rafi of Australia two hundred. So this is giving you some exposure into the Australian market. We are holding that investment at about 15% for your portfolio. And to give you some more exposure to the Australian market, we're also holding underneath that the a 200.\n\nSo these two investments are giving you exposure to essentially some of the top technically 400 companies on the ASX. It's not necessarily buying the same country companies. It weights differently depending on, you know, what companies fit the two portfolios, which is great. So it's not holding the same companies over and overexposing you in any way. Together, they will be about 25% of your portfolio, Sergio, and it's about looking at making sure we're getting some Australian exposure because Australia does provide and has provided some good growth, not as much as international equities, but we still need to hold some Australian companies.\n\nThey do provide good good growth and exposure there for you. Okay? Underneath, we also have that day reg, the JT Morgan Global where you said enhanced equity funds. So one of the things that you both were comfortable with was having a little bit of active management here. So with this portfolio, with this investment, it does it's a it's a passively managed fund, but it has a small active component, which is great.\n\nSo it's a cheap investment to hold, and it has some active management. It utilizes JPMorgan's research team to pick and choose areas of growth, and they add additional investments in utilizing that. It's also global, so it's also giving you great diversification. As much as you're in that high growth environment, we still want to see that ninety ten split and take a bit more risk to get returns. But where we can humanly possible mitigate risk, we wanna also look at doing that.\n\nSo diversification is one of the best ways to mitigate market risk and spreading that risk level across different asset classes, different countries, and also different areas of investment. So that's one of the good things we do wanna have in here, and this investment has been some really good growth as well. Okay. Underneath that, which kinda goes on to the next page a little, you've got your physical gold. Physical gold has been really good growth.\n\nWe still expect it to. We wanna hold 7% in your portfolio. We'll have physical physical gold in both your portfolios, essentially. One of the good things is physical gold is a growth investment. It does see fantastic growth, but it is also a defensive investment at times because if you think back to the GFC or when markets or equities don't perform as well, people move money into physical gold as a bit of a safe haven.\n\nSo it's a growth asset that can act defensively when it needs to as well, and we all love a bit of physical gold. So holding 7% in your portfolio is good. And then you've also got core composite bonds. This is giving you exposure to both government and corporate funds. It's essentially holding about 7%.\n\nThis newer portfolio, when you both sort of have a look, it's the same portfolio for the both of you. It's just basically in different weighting. And, Angela, you also have a little bit more defensive. So you've got the iShares yield plus. So this is the different weighting giving you so you get more high growth for the asset allocation, other making sure that you're, you know, looking at a good diversified portfolio that's low cost, has shown good past performance, and looking to mitigate as much CGT to change the portfolio as possible.\n\nDoes that make sense? Do you have any questions about this at all? Beautiful. Excellent. If you scroll down for me to page number 46, this here is just recommending that we retain your life, your CPD, and your income protection within within a center.\n\nJust keeping as is, you may mention that you were comfortable with the level of cover you have between your life, your TPD, and your income protection level is as per your current income. So it does work and is at the right level there. So we're recommending to retain that exactly as it is, and we'll just make sure that moving forward, we do, you know, reevaluate those levels of cover with you and make alterations as they needed. Okay? Beautiful.\n\nDown on page number 48, I also have that same projected table that shows you the effect of having insurances paid out of super on your on your super balance over the next five to ten years. Beautiful. So you'll see here with this under the outcome there, you've got your current table that shows your current portfolio, your current projected outcome, current fees, and then the recommended is the recommended side of the above table again. So retaining your current insurance premium, but the new portfolio projected over the next five to ten years. The last column shows the same recommended for newer portfolio projected.\n\nHowever, if you did not pay any insurances out of your super fund. So it's essentially showing you with the recommended over the next five to ten years, we understand that insurance premiums have an impact on your balance, and this shows you that impact over the next five to ten years based on the recommended side of the table. Okay. Beautiful. From there, if I can get you to skip a few pages and go to page number 50, this is just looking at the beneficiary.\n\nBeautiful. So this is for the both of you just recommending that we realign your beneficiary nominations on your hub 20 four super and, Sergio, your ascender life insurance policy so that if in the event that one you passes away, your super benefit and your life insurance is paid to the other spouse. That allows you then to keep paying down debts and covering bills and things like that. And then if you scroll down even lower, we've got the recommendation to speak to a solicitor and have a will and power of attorney drawn up. And these essentially allow you to then account for the other side of it where if something happens to the both of you, that how would that money be held in trust to your kids, how would it be paid out, what you wanted to have it you know, what percentage you want to have it paid out in, and how you wanted that to work.\n\nSo it's yeah. So, essentially, you'll see for beneficiaries cover if one of you was passed away, and then the contingency is placed in a will and having that done through a qualified solicitor can help you to make sure that those are up to date, correct, and reflective of your wishes. Okay. Beautiful. Oh, that's that's absolutely fine.\n\nThat's not a problem at all. Angela, if I can get you to scroll down to page number 59 for me, the last little things I need to show you are just the remuneration side of things. Oh, I'm so sorry. Beautiful. So this is the remuneration side of things.\n\nNow there is no upfront cost for the advice. It's all part of you being an ongoing client, and we don't charge anything new for the advice pieces with relation to super or insurances. It's all part of us working towards your goals and updating advice as appropriate and in and in your best interest. However, I do need to show you that with the insurances, we do receive ongoing remuneration. So if you do go ahead with the Clearview policy, we do receive remuneration from ClearView.\n\nNot paid by you. It's from them. To us, we received 66% of the first year's premium and 22% that are ongoing after that. So that is the two tables they're outlined, and it's also showing your ongoing service fee at the bottom. You currently are on that 1.10% structure with Sergio.\n\nExcellent. And then on the next page, we've also got Sergio's ongoing remuneration. So his ascender or MLC, which is now a sender policy, is already enforced. So we just received 22% there ongoing of the premium. And, again, he's on that 1.10% for the fee structure for our ongoing services.\n\nI just like to make sure I go through that with you and show you. The recommendation for the Clearview policy isn't for me, it's not about the remuneration side of things. I like to be upfront and honest with you about what we receive and how that works, But the recommendation has been produced in line with your goals to make sure that you're able to essentially claim an amount that covers that helps to provide for expenses in the event that you're off work due to illness or injury, and the recommendation is there for you to review. I've also gotten the appendices, the difference, the alternative, where if you're happy to take a lower amount of income protection, that the cost could also be lower, and it has a much smaller effect on your super as well. So we outline the recommendations, the advantages, the disadvantages, and the risks involved, and I show you and honest with you about all of that, and then you get to decide what you're comfortable taking it.\n\nIf you decide not to take the Clearview policy, that is absolutely fine. It's just gonna be what you're comfortable with, and I'll show you how the advice works and how we meet your goals to to kinda get you to that point. Okay? Excellent. Once you've kinda gone through that, if you are happy to proceed, on the very bottom page of that document and please take some time to read it through because I know it is absolutely a lot.\n\nBut on page six sixty four, we do have the signing section. So once you've kinda gone through, you've had a good read of it and talked about it, if you decide to take all the advice, we get you to sign and return that back. If there is any part of the advice you don't wish to proceed with, you'll see those colored boxes at the top there. Mine's saying multiline. I'm not sure what yours say.\n\nBut you can always write in that box any area that you don't wish to proceed with. So if you want to not take the ClearView policy, if you wanna take the one in the appendices and look at discovering 50% of your income, you just make a little note in that box there. And when the document comes back to us, we check that, and we make sure we move forward in line with what you're comfortable with. Does that make sense? Yep.\n\nBeautiful. And if you scroll back up there for me, just to page 63, this outlines how we will implement the advice if you decide to take it all on board. Essentially, step one is that you sign and return the document back. Step two is we'll do the investment switch for each of your supers first. We'll get those supers done and remove those underperforming investments, and then we'll book you in to go to the in the income protection increase application or the increase the application for your income protection.\n\nThat will go through the underwriting team, and we'll keep up to date with you to see how that's going as it is assessed. Then we also make sure we send out those beneficiary nominations so they can be signed, returned, and have those beneficiaries up to date. And then the last step is just making sure you speak to us, Lisa. We can refer you to one, or if there's one that local that you're comfortable talking to, then you can always make sure you text them. But just doing a pure will and power of attorney is the last step of the advice document.\n\nOkay. Beautiful. Now I know there is a lot. I'll let you guys go back and have a read through it. Let me know if you do happen to have any questions at all.\n\nI know my team will definitely check-in to see if there's anything they can answer, and if you are happy to take the advice to get you signed and return it back. Now I just need to let you know I am off for the next two weeks. I'm having a small break. I will make sure that if I haven't heard from you beforehand that I do touch base, whether by email when I return on the twenty eighth. Just to see if you have any questions there.\n\nBut at the moment, is there anything that's kinda come up question wise that either of you can think of? Or Yeah. Yeah. No. You're right.\n\nSo there's no real deadline for you. It's when you're comfortable to do so. If you're happy with the recommendations and wanna take them all on board, then we'll just need to sign and return it back as soon as possible. That would be great so we can implement everything for you and get the investments which is at least done. But if you wanna take a second to read it, you do actually have sixty days.\n\nThe advice document is valid for sixty days. And as long as you sign and return back within that time frame, that's absolutely valid and fine. Okay. Beautiful. Excellent.\n\nI know it's a lot, so I always make sure I give you guys chance to read it and take some time because I know it's a lot. But I really appreciate you allowing me to put this together. I've really enjoyed doing the research and putting it together and looking at ways that we can boost your super and make some changes, and there's this is just the starting point. There's other things that we can do to kinda build on that down the track for you both as well. Okay.\n\nThat's not a problem at all. I will let you go. I hope you both have a lovely evening and a wonderful weekend. And if I don't hear anything back, I would touch base when I return on the September 28. Okay?\n\nOh, thank you so much, Angela. Thanks for taking my call. Enjoy your evening. Say bye, and thank you to Sergei for me. Thanks.\n\nSee you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Angela.","start":2.72,"end":3.52,"sentiment":"neutral","sentiment_score":0.13759468495845795},{"text":"It's Dana from Okie Financial.","start":3.52,"end":5.22,"sentiment":"neutral","sentiment_score":0.17203730642795562},{"text":"How are you?","start":5.44,"end":6.3399997,"sentiment":"neutral","sentiment_score":0.1827200005451838},{"text":"I'm very well.","start":8.32,"end":9.28,"sentiment":"positive","sentiment_score":0.6190736095110575},{"text":"Thank you.","start":9.28,"end":9.76,"sentiment":"positive","sentiment_score":0.7133791148662567}],"sentiment":"neutral","sentiment_score":0.3311676641305288,"num_words":15,"start":2.72,"end":9.76},{"sentences":[{"text":"I had yourself in 3rd PA booked in to go through your updated advice document.","start":9.76,"end":13.62,"sentiment":"neutral","sentiment_score":0.31055153608322145},{"text":"Is now still a good time for you?","start":13.679999,"end":15.615,"sentiment":"neutral","sentiment_score":0.27670685201883316},{"text":"Fantastic.","start":18.975,"end":19.475,"sentiment":"positive","sentiment_score":0.6225422620773315},{"text":"Is Sergio there with you as well?","start":19.615,"end":21.474998,"sentiment":"neutral","sentiment_score":0.15152825095823833},{"text":"That's okay.","start":25.215,"end":26.115,"sentiment":"neutral","sentiment_score":0.16341686248779297}],"sentiment":"neutral","sentiment_score":0.2691515636715022,"num_words":33,"start":9.76,"end":26.115},{"sentences":[{"text":"No worries.","start":26.974998,"end":27.69,"sentiment":"neutral","sentiment_score":0.15407335758209229},{"text":"What I'll do is I'm gonna send this document through to you.","start":27.77,"end":30.59,"sentiment":"neutral","sentiment_score":0.1410099702576796},{"text":"Is one of your or both will be able to pop into your email there just to pull it up?","start":30.73,"end":34.41,"sentiment":"neutral","sentiment_score":0.11216627061367035},{"text":"We can look at it together.","start":34.41,"end":35.45,"sentiment":"neutral","sentiment_score":0.13030598560969034},{"text":"That's all.","start":35.45,"end":36.27,"sentiment":"neutral","sentiment_score":0.14205782860517502}],"sentiment":"neutral","sentiment_score":0.12641769860472,"num_words":42,"start":26.974998,"end":36.27},{"sentences":[{"text":"There you see.","start":38.81,"end":39.690002,"sentiment":"neutral","sentiment_score":0.11906326562166214},{"text":"How's your day been?","start":39.690002,"end":40.91,"sentiment":"neutral","sentiment_score":0.12404084019362926},{"text":"Absolutely.","start":54.675,"end":55.175,"sentiment":"neutral","sentiment_score":0.08442798256874084},{"text":"Perfect.","start":59.59,"end":60.09,"sentiment":"neutral","sentiment_score":0.1997060328722},{"text":"It yep.","start":61.67,"end":64.25,"sentiment":"neutral","sentiment_score":0.0420924536883831}],"sentiment":"neutral","sentiment_score":0.11106109822338278,"num_words":11,"start":38.81,"end":64.25},{"sentences":[{"text":"That's correct.","start":64.869995,"end":65.77,"sentiment":"neutral","sentiment_score":0.1004364937543869},{"text":"Yeah.","start":65.83,"end":66.31,"sentiment":"neutral","sentiment_score":0.19299791753292084},{"text":"Perfect.","start":66.31,"end":66.63,"sentiment":"neutral","sentiment_score":0.31773841381073},{"text":"Now just before I jump into the call, I do have to let you know we do record our calls for quality and training purposes.","start":66.63,"end":71.585,"sentiment":"neutral","sentiment_score":0.10448589533567429},{"text":"Are you happy for us to proceed with that?","start":71.585,"end":73.845,"sentiment":"neutral","sentiment_score":0.15377475321292877}],"sentiment":"neutral","sentiment_score":0.12388761792528002,"num_words":38,"start":64.869995,"end":73.845},{"sentences":[{"text":"Excellent.","start":75.265,"end":75.745,"sentiment":"neutral","sentiment_score":0.28156453371047974},{"text":"And I'll just do a quick security check there with you as well before I discuss your personal information.","start":75.745,"end":79.905,"sentiment":"neutral","sentiment_score":0.18752719383490712},{"text":"Just to confirm, your full name, your date of birth, and address I should have on file?","start":79.905,"end":83.4,"sentiment":"neutral","sentiment_score":0.11760036822627573},{"text":"Mhmm.","start":87.96,"end":88.46,"sentiment":"neutral","sentiment_score":0.030286921188235283},{"text":"Beautiful.","start":99.065,"end":99.465004,"sentiment":"positive","sentiment_score":0.48049646615982056}],"sentiment":"neutral","sentiment_score":0.16293771445560148,"num_words":39,"start":75.265,"end":99.465004},{"sentences":[{"text":"Thank you so much for that.","start":99.465004,"end":101.065,"sentiment":"positive","sentiment_score":0.6354636251926422},{"text":"Excellent.","start":101.065,"end":101.565,"sentiment":"positive","sentiment_score":0.3586409091949463},{"text":"So when you can see the first I just need to say that he's there.","start":102.105,"end":106.985,"sentiment":"neutral","sentiment_score":0.07875891427199046},{"text":"And if you can give me here, say, the best and full name, that would be perfect.","start":106.985,"end":110.605,"sentiment":"neutral","sentiment_score":0.15008579369853525},{"text":"Yep.","start":116.8,"end":117.3,"sentiment":"neutral","sentiment_score":0.029441114515066147}],"sentiment":"neutral","sentiment_score":0.19834264954552056,"num_words":40,"start":99.465004,"end":117.3},{"sentences":[{"text":"Yep.","start":118.08,"end":118.58,"sentiment":"neutral","sentiment_score":0.016947686672210693},{"text":"Yeah.","start":123.36,"end":123.86,"sentiment":"neutral","sentiment_score":0.06893233954906464},{"text":"Oh, but thank you so much, Sergio.","start":127.23499,"end":129.25499,"sentiment":"positive","sentiment_score":0.366714745759964},{"text":"Yep.","start":130.515,"end":131.015,"sentiment":"neutral","sentiment_score":0.07381195574998856},{"text":"Yeah.","start":133.235,"end":133.555,"sentiment":"neutral","sentiment_score":0.14478477835655212}],"sentiment":"neutral","sentiment_score":0.261043634604324,"num_words":11,"start":118.08,"end":133.555},{"sentences":[{"text":"That's fine.","start":133.555,"end":134.11499,"sentiment":"neutral","sentiment_score":0.28678564727306366},{"text":"You're good.","start":134.11499,"end":134.595,"sentiment":"positive","sentiment_score":0.5147964358329773},{"text":"Thank you so much.","start":134.595,"end":135.555,"sentiment":"positive","sentiment_score":0.5250260084867477},{"text":"But how's your weight being Sergio?","start":135.555,"end":137.175,"sentiment":"neutral","sentiment_score":0.0410581606750687},{"text":"Beautiful.","start":143.23,"end":143.73,"sentiment":"positive","sentiment_score":0.6205122470855713}],"sentiment":"neutral","sentiment_score":0.3046752940863371,"num_words":15,"start":133.555,"end":143.73},{"sentences":[{"text":"Fantastic.","start":146.27,"end":146.77,"sentiment":"positive","sentiment_score":0.5810613632202148},{"text":"Yes.","start":154.325,"end":154.825,"sentiment":"neutral","sentiment_score":-0.03653552010655403},{"text":"That's it.","start":155.685,"end":156.50499,"sentiment":"neutral","sentiment_score":-0.07712593674659729},{"text":"It's been horrible weather up here today.","start":156.565,"end":158.565,"sentiment":"neutral","sentiment_score":-0.2808304173605783},{"text":"We've had overcast and windy.","start":158.565,"end":160.665,"sentiment":"neutral","sentiment_score":-0.13803316056728362}],"sentiment":"neutral","sentiment_score":-0.14160654717124999,"num_words":16,"start":146.27,"end":160.665},{"sentences":[{"text":"Shocking.","start":161.285,"end":161.785,"sentiment":"neutral","sentiment_score":-0.21766439080238345},{"text":"Yeah.","start":168.96,"end":169.46,"sentiment":"neutral","sentiment_score":0.0715811476111412},{"text":"Yeah.","start":171.92,"end":172.40001,"sentiment":"neutral","sentiment_score":0.10257768630981444},{"text":"Wow.","start":172.40001,"end":172.90001,"sentiment":"neutral","sentiment_score":0.15078479051589966},{"text":"Oh, lovely.","start":173.52,"end":174.58,"sentiment":"neutral","sentiment_score":0.24608691781759262}],"sentiment":"neutral","sentiment_score":0.09990884487827618,"num_words":6,"start":161.285,"end":174.58},{"sentences":[{"text":"Well, let's come through this for you.","start":175.12001,"end":176.88,"sentiment":"neutral","sentiment_score":0.21269643945353373},{"text":"I appreciate you giving me the time to put this together for you.","start":176.88,"end":179.76001,"sentiment":"positive","sentiment_score":0.4290478229522705},{"text":"Essentially, we were looking at your super and how to kind of boost things for you both a little bit there.","start":179.76001,"end":184.875,"sentiment":"neutral","sentiment_score":0.3023054294642948},{"text":"We had noticed in our last call there was some underperforming investments, so we wanted to update your portfolio looking forward.","start":184.875,"end":191.11499,"sentiment":"neutral","sentiment_score":0.07146181308087848},{"text":"And, Angela, you also wanted me to have a look at income protection to see if we could get you some more income protections to cover you in the event of not being able to go to work in the short term as well.","start":191.11499,"end":200.34001,"sentiment":"neutral","sentiment_score":0.06514100315557285}],"sentiment":"neutral","sentiment_score":0.16775295289479336,"num_words":106,"start":175.12001,"end":200.34001},{"sentences":[{"text":"Okay?","start":200.40001,"end":200.90001,"sentiment":"neutral","sentiment_score":0.0785209909081459},{"text":"Excellent.","start":202.16,"end":202.66,"sentiment":"neutral","sentiment_score":0.20098555088043213},{"text":"On the front page, sir, you'll see this document is an overview financial statement of advice prepared for yourself, Angela and Sergio, as of the 09/10/2026.","start":203.44,"end":212.645,"sentiment":"neutral","sentiment_score":0.09367554548841256},{"text":"All our advice is valid for sixty days from the date of the document there.","start":213.105,"end":216.86499,"sentiment":"neutral","sentiment_score":0.05974187403917312},{"text":"So once we've gone through things, I will let you go back and you can have some time to read it over, talk it between yourselves.","start":216.86499,"end":222.94499,"sentiment":"neutral","sentiment_score":0.12939899500745994}],"sentiment":"neutral","sentiment_score":0.10109525659809941,"num_words":69,"start":200.40001,"end":222.94499},{"sentences":[{"text":"And then if you are happy to take on the advice, we'll get you to sign and return that back there for us.","start":222.94499,"end":227.4,"sentiment":"neutral","sentiment_score":0.13515200077191644},{"text":"Okay?","start":227.4,"end":227.9,"sentiment":"neutral","sentiment_score":0.0830342173576355},{"text":"Excellent.","start":229.48,"end":229.98,"sentiment":"neutral","sentiment_score":0.24495874345302585},{"text":"On the bottom of the front page, it has my authorized representative number.","start":230.04,"end":233.23999,"sentiment":"neutral","sentiment_score":0.12233752184189282},{"text":"So I'm a licensed adviser registered with Aptive, and my registration number is 1304394.","start":233.23999,"end":239.81999,"sentiment":"neutral","sentiment_score":0.08401688081877572}],"sentiment":"neutral","sentiment_score":0.11929063642254242,"num_words":52,"start":222.94499,"end":239.81999},{"sentences":[{"text":"Okay.","start":239.95999,"end":240.45999,"sentiment":"neutral","sentiment_score":0.04325036704540253},{"text":"I am gonna skip through just a few pages as we are going through just to sort of focus on the areas that I need to touch on because I do let you go back and have some time to read it over as well.","start":241.975,"end":251.755,"sentiment":"neutral","sentiment_score":0.09361462377839619},{"text":"And in the meantime, if you finally have questions, please just let me know, interrupt me and shout them out.","start":251.975,"end":256.77,"sentiment":"neutral","sentiment_score":0.06503828726708889},{"text":"Okay?","start":256.77,"end":257.27,"sentiment":"neutral","sentiment_score":0.10672114789485931},{"text":"Excellent.","start":259.81,"end":260.31,"sentiment":"positive","sentiment_score":0.6547437906265259}],"sentiment":"neutral","sentiment_score":0.09291381060200579,"num_words":68,"start":239.95999,"end":260.31},{"sentences":[{"text":"As we are going to the next page, it notes the best interest to you.","start":260.77,"end":263.81,"sentiment":"neutral","sentiment_score":0.27384032706419625},{"text":"Just making sure any advice we do provide is there to make and assist you in meeting your goals and provided in best interest.","start":263.81,"end":270.38998,"sentiment":"neutral","sentiment_score":0.26485637947916985},{"text":"We've also then got the table of contents so you can just scroll past that one.","start":271.23502,"end":275.415,"sentiment":"neutral","sentiment_score":0.052306293742731214},{"text":"And then page number three, you should see if you're facing of the advice.","start":276.035,"end":279.475,"sentiment":"neutral","sentiment_score":0.03601468088371413},{"text":"So we're looking here at your superannuation.","start":279.475,"end":281.33502,"sentiment":"neutral","sentiment_score":0.06221860008580344}],"sentiment":"neutral","sentiment_score":0.16106308481999135,"num_words":76,"start":260.77,"end":281.33502},{"sentences":[{"text":"Essentially, we're looking at basically being able to retire at around about the age of 60 there with a target retirement of about a thousand dollars per week each from your supers.","start":282.195,"end":292.59998,"sentiment":"neutral","sentiment_score":0.07130669255275279},{"text":"And you also wanted us to look at reviewing and updating your superannuation investment, and switching out any underperforming investments to update the portfolios on market conditions.","start":292.97998,"end":302.01498,"sentiment":"neutral","sentiment_score":0.04283268039149267},{"text":"Does that sound appropriate for you both?","start":302.47498,"end":304.79498,"sentiment":"neutral","sentiment_score":0.0992120626781668},{"text":"Is there anything you would change there at all?","start":304.79498,"end":307.13498,"sentiment":"neutral","sentiment_score":-0.03842106151084105},{"text":"Yes.","start":309.435,"end":309.935,"sentiment":"neutral","sentiment_score":0.1572747528553009}],"sentiment":"neutral","sentiment_score":0.051898239082411715,"num_words":76,"start":282.195,"end":309.935},{"sentences":[{"text":"Excellent.","start":310.63498,"end":311.13498,"sentiment":"positive","sentiment_score":0.40060025453567505},{"text":"Then the next page, we have your insurances.","start":312.0,"end":314.18,"sentiment":"neutral","sentiment_score":0.10178460320457816},{"text":"So you both do have some insurances.","start":314.8,"end":316.58,"sentiment":"neutral","sentiment_score":0.08441141513841492},{"text":"You've self answered.","start":317.52,"end":318.4,"sentiment":"neutral","sentiment_score":0.09499878187974294},{"text":"You've got life and income protection currently.","start":318.4,"end":320.74,"sentiment":"neutral","sentiment_score":0.07142024540475436}],"sentiment":"neutral","sentiment_score":0.09964211729283516,"num_words":26,"start":310.63498,"end":320.74},{"sentences":[{"text":"But, yeah, you have life and income protection there.","start":321.19998,"end":324.645,"sentiment":"neutral","sentiment_score":0.07470796381433804},{"text":"So, essentially, we were keeping both of your life covers in force.","start":324.645,"end":327.76498,"sentiment":"neutral","sentiment_score":0.1829179928948482},{"text":"You're both comfortable with the level of life cover you had.","start":327.76498,"end":330.585,"sentiment":"neutral","sentiment_score":0.27867836301976984},{"text":"Sergio was happy with his life and income protection benefit.","start":330.805,"end":334.725,"sentiment":"positive","sentiment_score":0.4479833781719208},{"text":"It felt appropriate at the time.","start":334.725,"end":336.505,"sentiment":"positive","sentiment_score":0.40485015511512756}],"sentiment":"neutral","sentiment_score":0.2675371728061388,"num_words":48,"start":321.19998,"end":336.505},{"sentences":[{"text":"And, Angela, your income protection benefit was very minimal, so we were looking at trying to increase that benefit a bit to provide a higher level of cover in the event that you were off work due to illness or injury.","start":336.78,"end":348.24002,"sentiment":"neutral","sentiment_score":0.0982184659962247},{"text":"Okay.","start":348.46002,"end":348.96002,"sentiment":"neutral","sentiment_score":0.10740471631288528},{"text":"Excellent.","start":351.115,"end":351.615,"sentiment":"positive","sentiment_score":0.5857142210006714},{"text":"We've also got on the next page the estate planning.","start":352.395,"end":355.03497,"sentiment":"neutral","sentiment_score":0.25897387862205506},{"text":"So one of the things we talked about was your beneficiaries.","start":355.03497,"end":357.455,"sentiment":"neutral","sentiment_score":0.18943266299637881}],"sentiment":"neutral","sentiment_score":0.14677459566155449,"num_words":64,"start":336.78,"end":357.455},{"sentences":[{"text":"Essentially, you both had the children noted at 50% each.","start":357.995,"end":361.29498,"sentiment":"neutral","sentiment_score":0.14601492024958135},{"text":"But with the beneficiaries, it's essentially put onto your super to provide a benefit in the event that one of you was to pass away.","start":361.59497,"end":369.03,"sentiment":"neutral","sentiment_score":0.10581778138875961},{"text":"So we talked about having that benefit updated so that in the event of passing, you went to each other, and then just making sure you do have a will set up with a solicitor and a power of attorney to make sure that in the event that something happened to the two of you, that you could then have those funds directed through your estate to each of your children.","start":369.09,"end":388.855,"sentiment":"neutral","sentiment_score":0.24645967193892304},{"text":"Does that still sound fairly appropriate?","start":388.915,"end":390.695,"sentiment":"neutral","sentiment_score":0.20205154766639075},{"text":"Yep.","start":391.475,"end":391.975,"sentiment":"neutral","sentiment_score":0.26005083322525024}],"sentiment":"neutral","sentiment_score":0.20421761561152155,"num_words":113,"start":357.995,"end":391.975},{"sentences":[{"text":"Excellent.","start":393.38998,"end":393.88998,"sentiment":"positive","sentiment_score":0.6026473045349121},{"text":"On the next page, we have where we're not looking at advice today, so things that we're not considering.","start":394.83,"end":399.65,"sentiment":"neutral","sentiment_score":-0.008484887253297003},{"text":"You're still both very young.","start":400.35,"end":401.87,"sentiment":"neutral","sentiment_score":-0.13335109800100325},{"text":"You do have that retirement goal, so I'm not projecting all the way to retirement essentially because you still have a lot of time ahead of you.","start":401.87,"end":408.725,"sentiment":"neutral","sentiment_score":-0.0938960846375536},{"text":"I know it doesn't feel like it.","start":408.725,"end":410.085,"sentiment":"neutral","sentiment_score":-0.19656854655061448}],"sentiment":"neutral","sentiment_score":-0.07011008736188129,"num_words":59,"start":393.38998,"end":410.085},{"sentences":[{"text":"I'm the same age as you.","start":410.085,"end":411.545,"sentiment":"neutral","sentiment_score":-0.21398015320301056},{"text":"It feels like life is disappearing, and this year is falling by that, Michelle.","start":411.845,"end":416.345,"sentiment":"neutral","sentiment_score":-0.31009978694575174},{"text":"But you still do have a lot of time when it comes to your safety there to build on things and work towards your retirement goals.","start":420.99,"end":426.59,"sentiment":"neutral","sentiment_score":0.06878286155943687},{"text":"So I just project over the next five to ten years to look at where we're tracking, and then we continuously update the advice as appropriate towards your retirement goals there.","start":426.59,"end":435.86502,"sentiment":"neutral","sentiment_score":0.1474240994261157},{"text":"When you do get within that ten years, then we'll have a look at what that retirement income looks like for you both.","start":435.92502,"end":442.64502,"sentiment":"neutral","sentiment_score":0.06385523728702379}],"sentiment":"neutral","sentiment_score":0.022018940038979053,"num_words":100,"start":410.085,"end":442.64502},{"sentences":[{"text":"Okay.","start":442.64502,"end":443.14502,"sentiment":"neutral","sentiment_score":0.238723486661911},{"text":"Fantastic.","start":445.36502,"end":445.86502,"sentiment":"positive","sentiment_score":0.42540299892425537},{"text":"The next page outlines the other areas that we're scoping out for personal insurances.","start":447.09,"end":451.27002,"sentiment":"neutral","sentiment_score":0.09217513725161552},{"text":"So, Angela, you didn't wanna look at CBD, so permanent incapacity at all, and neither of you wanted to look at having trauma or child trauma cover for the insurances.","start":451.89,"end":460.71,"sentiment":"neutral","sentiment_score":-0.06858144522605775},{"text":"Okay.","start":461.41,"end":461.91,"sentiment":"neutral","sentiment_score":0.021670516580343246}],"sentiment":"neutral","sentiment_score":-0.0017275411296299005,"num_words":47,"start":442.64502,"end":461.91},{"sentences":[{"text":"Excellent.","start":463.155,"end":463.655,"sentiment":"neutral","sentiment_score":0.1410750448703766},{"text":"And then the last one is the debt.","start":464.51498,"end":466.91498,"sentiment":"neutral","sentiment_score":0.03583708661608398},{"text":"So you're both wanting to look at, obviously, personal investments and debts as well.","start":466.91498,"end":470.91498,"sentiment":"neutral","sentiment_score":0.05612041162593024},{"text":"We're scoping out both of those in the next few pays there.","start":470.91498,"end":473.81497,"sentiment":"neutral","sentiment_score":0.06990665725121896},{"text":"I remember saying the more the referrals to some mortgage broker.","start":474.35498,"end":477.69,"sentiment":"neutral","sentiment_score":0.021894218230789356}],"sentiment":"neutral","sentiment_score":0.04985160408946483,"num_words":46,"start":463.155,"end":477.69},{"sentences":[{"text":"How did you both go with them?","start":477.69,"end":478.89,"sentiment":"neutral","sentiment_score":0.04221673469458308},{"text":"Have you had a bit of a chat with a mortgage broker?","start":478.89,"end":481.07,"sentiment":"neutral","sentiment_score":0.018040282496561606},{"text":"Okay.","start":489.535,"end":490.035,"sentiment":"neutral","sentiment_score":-0.11958076059818268},{"text":"Yes.","start":504.87,"end":505.37,"sentiment":"neutral","sentiment_score":0.027792777866125107},{"text":"Yes.","start":511.2075,"end":511.7075,"sentiment":"neutral","sentiment_score":0.025489553809165955}],"sentiment":"neutral","sentiment_score":0.020259186540814964,"num_words":22,"start":477.69,"end":511.7075},{"sentences":[{"text":"Yeah.","start":524.345,"end":524.845,"sentiment":"neutral","sentiment_score":0.009495512582361698},{"text":"Yeah.","start":531.545,"end":532.045,"sentiment":"neutral","sentiment_score":-0.0012036319822072985},{"text":"Yeah.","start":542.65,"end":543.15,"sentiment":"neutral","sentiment_score":0.05817811191082001},{"text":"Absolutely.","start":543.29004,"end":543.79004,"sentiment":"neutral","sentiment_score":0.20125192403793335},{"text":"That's okay.","start":544.57,"end":545.29004,"sentiment":"neutral","sentiment_score":0.22446363419294357}],"sentiment":"neutral","sentiment_score":0.11944153082246582,"num_words":6,"start":524.345,"end":545.29004},{"sentences":[{"text":"That's absolutely fine.","start":545.29004,"end":546.25,"sentiment":"neutral","sentiment_score":0.2961070736249288},{"text":"And look if there's other ways of personally investing personally, you can also look at building investment portfolios, utilizing investment bonds, also portfolios with shares and ETFs and hedge funds like your suit is invested in.","start":546.25,"end":563.245,"sentiment":"neutral","sentiment_score":0.13823646244903406},{"text":"So we can always look at those things down the track there for you, look at what your goals are, what you're after, and build investment portfolios that help you to meet those goals and help you to supplement income in retirement down the track if that's what you're after as well.","start":563.245,"end":576.74,"sentiment":"neutral","sentiment_score":0.21134228746478373},{"text":"So we'll scope out the debt and the personal investing for now, and we'll come back and read this as you both are comfortable to do so.","start":576.74,"end":583.895,"sentiment":"neutral","sentiment_score":0.09952006447646353},{"text":"Okay.","start":584.03503,"end":584.53503,"sentiment":"neutral","sentiment_score":0.12972763180732727}],"sentiment":"neutral","sentiment_score":0.16530590075529925,"num_words":119,"start":545.29004,"end":584.53503},{"sentences":[{"text":"Excellent.","start":586.03503,"end":586.53503,"sentiment":"positive","sentiment_score":0.6154042482376099},{"text":"Beautiful.","start":586.67505,"end":587.17505,"sentiment":"positive","sentiment_score":0.5939297676086426},{"text":"Now with next page has a limited advice warning.","start":588.275,"end":591.7,"sentiment":"neutral","sentiment_score":-0.04268940000070466},{"text":"It's just letting you know that we're not solicitors, so we don't draft up will.","start":591.7,"end":594.98,"sentiment":"neutral","sentiment_score":-0.06959677040576935},{"text":"We do refer you to a qualified lawyer to do that.","start":594.98,"end":598.04,"sentiment":"neutral","sentiment_score":-0.02025436677715995}],"sentiment":"neutral","sentiment_score":-0.011935680399875383,"num_words":37,"start":586.03503,"end":598.04},{"sentences":[{"text":"We provide advice around general insurance I'm sorry.","start":598.58,"end":601.86,"sentiment":"neutral","sentiment_score":-0.02158894296735525},{"text":"Around personal insurance products, not general insurance.","start":601.86,"end":604.33997,"sentiment":"neutral","sentiment_score":-0.016583926177450588},{"text":"The general insurance is looking at house, motor and liability, business insurance.","start":604.33997,"end":608.375,"sentiment":"neutral","sentiment_score":0.020692719457050163},{"text":"We can always refer you through to a general broker if you need the services of one.","start":608.375,"end":612.955,"sentiment":"neutral","sentiment_score":0.07046220495420344},{"text":"But other devices, we're licensed to provide advice around personal insurance products.","start":613.015,"end":617.335,"sentiment":"neutral","sentiment_score":0.05085759051144123}],"sentiment":"neutral","sentiment_score":0.03156539601539927,"num_words":56,"start":598.58,"end":617.335},{"sentences":[{"text":"So things like life, PPD, income protection, trauma, and a few other additional there as well.","start":617.335,"end":622.64996,"sentiment":"neutral","sentiment_score":0.06338450196199119},{"text":"Okay.","start":622.70996,"end":623.20996,"sentiment":"neutral","sentiment_score":0.1457170844078064},{"text":"Excellent.","start":624.79,"end":625.29,"sentiment":"positive","sentiment_score":0.5453522205352783},{"text":"The next couple of pages have the about you section noted and then your assets and liabilities as we went through in the last call there as well.","start":625.99,"end":633.69,"sentiment":"neutral","sentiment_score":0.15509558974632195},{"text":"What I'd really like to do for you both is if I could get you to scroll down for me.","start":633.925,"end":637.925,"sentiment":"neutral","sentiment_score":0.08736064154654741}],"sentiment":"neutral","sentiment_score":0.11810773757822586,"num_words":66,"start":617.335,"end":637.925},{"sentences":[{"text":"We're just gonna skip a few pages here.","start":637.925,"end":639.84503,"sentiment":"neutral","sentiment_score":0.023990994319319725},{"text":"Sorry.","start":639.84503,"end":640.34503,"sentiment":"neutral","sentiment_score":-0.015200318768620493},{"text":"If you can go to page number 20 for me, I'll start to take you to those recommendations just by then.","start":640.565,"end":646.265,"sentiment":"neutral","sentiment_score":0.029755760605136555},{"text":"Beautiful.","start":655.18,"end":655.68,"sentiment":"positive","sentiment_score":0.4925625026226044},{"text":"So, Angela, this one for yourself.","start":655.89996,"end":657.68,"sentiment":"neutral","sentiment_score":0.2280065342783928}],"sentiment":"neutral","sentiment_score":0.07195135991315584,"num_words":37,"start":637.925,"end":657.68},{"sentences":[{"text":"We started by having a bit of a look at your super as well as the investment.","start":658.22,"end":661.575,"sentiment":"neutral","sentiment_score":0.14571136323844686},{"text":"So one of the things that I do like to do is do a full research on the platform as well as the investments contained in it because your super is about the entire thing.","start":661.655,"end":670.315,"sentiment":"neutral","sentiment_score":0.1470329237835748},{"text":"This platform is essentially the vehicle for holding the funds, whereas the investments are what makes the money grow and build and work towards your retirement goals.","start":670.775,"end":679.22,"sentiment":"neutral","sentiment_score":0.14002631563279364},{"text":"I am recommending that we do retain '20 four.","start":679.76,"end":682.48,"sentiment":"neutral","sentiment_score":0.11704056544436349},{"text":"The platform itself is actually really good.","start":682.48,"end":684.72,"sentiment":"positive","sentiment_score":0.5806290294442858}],"sentiment":"neutral","sentiment_score":0.1739128876281412,"num_words":95,"start":658.22,"end":684.72},{"sentences":[{"text":"It's there's nothing wrong with it.","start":684.72,"end":686.32,"sentiment":"positive","sentiment_score":0.43261320392290753},{"text":"It does hold a really good range of investments that we can sort of switch between.","start":686.32,"end":690.18,"sentiment":"positive","sentiment_score":0.4099455615505576},{"text":"So I did review the platform as well as the investment, and I'm recommending you stay within hub twenty four.","start":690.24,"end":696.555,"sentiment":"neutral","sentiment_score":0.23907047286629676},{"text":"I am definitely recommending we switch those investments up, and I'll show you that in a second what that looks like, and then continuing to get your employer contributions paid into the fund there as well for you.","start":696.695,"end":708.29,"sentiment":"neutral","sentiment_score":0.25584191868179723},{"text":"Okay?","start":708.29,"end":708.79,"sentiment":"neutral","sentiment_score":0.12677647173404694}],"sentiment":"neutral","sentiment_score":0.29364181539894624,"num_words":81,"start":684.72,"end":708.79},{"sentences":[{"text":"Excellent.","start":710.21,"end":710.71,"sentiment":"neutral","sentiment_score":0.3299989700317383},{"text":"If I can get you to move down a few more pages to page number 24 for me, I'll show you a little bit more around this recommendation, and then I'll take you through what the switch will look like with regard to the investment.","start":710.77,"end":722.125,"sentiment":"neutral","sentiment_score":0.17015525582763885},{"text":"Beautiful.","start":724.905,"end":725.405,"sentiment":"neutral","sentiment_score":0.24769693613052368},{"text":"So one of the things I consider you're sorry.","start":725.465,"end":728.74506,"sentiment":"neutral","sentiment_score":0.0014607099195321409},{"text":"Did you need a second more?","start":728.74506,"end":730.10504,"sentiment":"neutral","sentiment_score":-0.042273264999190964}],"sentiment":"neutral","sentiment_score":0.12893853576913958,"num_words":62,"start":710.21,"end":730.10504},{"sentences":[{"text":"Sorry.","start":730.10504,"end":730.60504,"sentiment":"neutral","sentiment_score":-0.07697238028049469},{"text":"No.","start":734.56,"end":734.72,"sentiment":"neutral","sentiment_score":-0.040115561336278915},{"text":"You're fine.","start":734.72,"end":735.44,"sentiment":"neutral","sentiment_score":0.07535374723374844},{"text":"You're good.","start":735.44,"end":736.25995,"sentiment":"positive","sentiment_score":0.34826885163784027},{"text":"Essentially, with this one here, it's showing you the recommended and the comparison table there.","start":737.12,"end":741.27997,"sentiment":"neutral","sentiment_score":0.21108339230219522}],"sentiment":"neutral","sentiment_score":0.18554324479330153,"num_words":21,"start":730.10504,"end":741.27997},{"sentences":[{"text":"So you've got your current situation balance of 186,433 with the admin fees, investment fees, the ongoing service fee we charge, and your contributions going in with your current insurance premiums noted there as well.","start":741.27997,"end":755.53503,"sentiment":"neutral","sentiment_score":0.14603339114359448},{"text":"Within your portfolio, you're a growth investor.","start":756.315,"end":758.97,"sentiment":"neutral","sentiment_score":0.13925998445068086},{"text":"We talked about how that's got that eighty twenty split of in of growth and defensive investments, and when we kind of assess that you are happy to stay in that growth portfolio.","start":759.76996,"end":768.18994,"sentiment":"neutral","sentiment_score":0.11922689030567805},{"text":"The current portfolio you're in with the current investments, when we look at how that's averaged over the past five years, it's roughly about 8.34 percent, which isn't bad in any way, shape, or form, but we want that to work harder and build and work harder for you.","start":769.61,"end":784.175,"sentiment":"neutral","sentiment_score":0.007321384070175034},{"text":"So what I am recommending is we do retain Hunt 24 as a platform.","start":784.315,"end":788.44,"sentiment":"neutral","sentiment_score":0.12521541278277123}],"sentiment":"neutral","sentiment_score":0.08791477941786466,"num_words":138,"start":741.27997,"end":788.44},{"sentences":[{"text":"We will switch the investments out.","start":789.06,"end":791.24,"sentiment":"neutral","sentiment_score":0.03271624414871136},{"text":"One of the things I do look at is the capital gains consequences.","start":791.45996,"end":794.6,"sentiment":"neutral","sentiment_score":0.0408864773523349},{"text":"So your super fund, just like you, does a tax return every year.","start":794.82,"end":798.765,"sentiment":"neutral","sentiment_score":0.06876387275182284},{"text":"Within super, your super fund pays income tax as well as capital gains tax as well.","start":798.925,"end":804.145,"sentiment":"neutral","sentiment_score":0.06210695276968181},{"text":"So you'll see in the differences column there's a a dollar of $421.","start":804.365,"end":809.005,"sentiment":"neutral","sentiment_score":0.06784750463870856}],"sentiment":"neutral","sentiment_score":0.05733575116171211,"num_words":61,"start":789.06,"end":809.005},{"sentences":[{"text":"In order to make the changes within the platform and switch your investments, we've worked out that the CDK cost your super will account for is $421 in order to switch the investment.","start":809.005,"end":820.39996,"sentiment":"neutral","sentiment_score":0.07526014705724789},{"text":"Does that make sense?","start":820.62,"end":821.68,"sentiment":"neutral","sentiment_score":0.05854673124849796},{"text":"Yep.","start":823.57996,"end":823.98,"sentiment":"neutral","sentiment_score":0.18504492938518524},{"text":"Beautiful.","start":823.98,"end":824.48,"sentiment":"positive","sentiment_score":0.3949620723724365},{"text":"The other thing I did was have a look at the investment fees.","start":825.1,"end":828.13995,"sentiment":"neutral","sentiment_score":0.09110063858903371}],"sentiment":"neutral","sentiment_score":0.0861939823326583,"num_words":52,"start":809.005,"end":828.13995},{"sentences":[{"text":"We wanted to make sure you have the investments that were working harder for you, but I wanted to try and find a cheaper a cheaper investment portfolio because one of the ways we can sort of build and boost that super is to reduce the fees that are coming out of it.","start":828.13995,"end":841.65,"sentiment":"neutral","sentiment_score":0.07579003334185987},{"text":"At the moment, your investment fees are about $776.","start":841.97003,"end":845.89,"sentiment":"neutral","sentiment_score":0.05366044739882151},{"text":"With that newer portfolio, they dropped to 529.","start":845.89,"end":849.17004,"sentiment":"neutral","sentiment_score":0.08629668690264225},{"text":"So it's essentially saving you over $200 in investment fees for the year, which is good.","start":849.17004,"end":854.265,"sentiment":"neutral","sentiment_score":0.32574267219752073},{"text":"Yeah.","start":854.265,"end":854.765,"sentiment":"positive","sentiment_score":0.34289485216140747}],"sentiment":"neutral","sentiment_score":0.12350536662357292,"num_words":87,"start":828.13995,"end":854.765},{"sentences":[{"text":"Excellent.","start":857.22504,"end":857.72504,"sentiment":"neutral","sentiment_score":0.318864107131958},{"text":"And underneath that, there's no real change to the ongoing service fee.","start":857.865,"end":861.865,"sentiment":"neutral","sentiment_score":-0.008498818924029669},{"text":"That is still staying roughly the same.","start":861.865,"end":863.78503,"sentiment":"neutral","sentiment_score":0.1406397031886237},{"text":"It's gonna change by about $19.","start":863.78503,"end":865.625,"sentiment":"neutral","sentiment_score":0.15859975417455038},{"text":"It'll actually go down by $19 and save you at 19 dollars per year, which isn't bad.","start":865.625,"end":871.06006,"sentiment":"neutral","sentiment_score":0.19818627220742843}],"sentiment":"neutral","sentiment_score":0.12842142685901287,"num_words":43,"start":857.22504,"end":871.06006},{"sentences":[{"text":"And then you've got your employer contribution still going in.","start":871.44,"end":874.74005,"sentiment":"neutral","sentiment_score":0.05482049770653248},{"text":"The other thing I will go through with you in a minute is the insurance premium.","start":874.88,"end":878.42004,"sentiment":"neutral","sentiment_score":0.012512685148976743},{"text":"Now this was higher.","start":878.56006,"end":879.84,"sentiment":"neutral","sentiment_score":-0.1109215710312128},{"text":"It is a bit more about $5,000 higher, and that is because of the cost of the income protection that I'm able to recommend for you.","start":879.84,"end":887.065,"sentiment":"neutral","sentiment_score":-0.041006668184239134},{"text":"I have a a another option.","start":887.685,"end":890.34503,"sentiment":"neutral","sentiment_score":0.05036590931316217}],"sentiment":"neutral","sentiment_score":-0.007407359057857144,"num_words":62,"start":871.44,"end":890.34503},{"sentences":[{"text":"It was an alternative that I've considered in the appendices, but I'll take you through what this looks like first.","start":890.405,"end":895.685,"sentiment":"neutral","sentiment_score":0.06119246436282992},{"text":"But just so you can see, the expected increase for increase in your income protection policy there as well.","start":895.685,"end":902.3,"sentiment":"neutral","sentiment_score":0.06061738832412582},{"text":"Okay?","start":902.3,"end":902.8,"sentiment":"neutral","sentiment_score":0.10014094412326811},{"text":"The other thing we wanna look at is how the newer portfolio has sort of grown and worked over the past couple of years.","start":905.02,"end":911.835,"sentiment":"neutral","sentiment_score":0.2442207826922337},{"text":"So this newer portfolio is not only cheaper, but it's also shown a greater past performance.","start":911.835,"end":916.715,"sentiment":"positive","sentiment_score":0.4511989336460829}],"sentiment":"neutral","sentiment_score":0.1944525291561149,"num_words":80,"start":890.405,"end":916.715},{"sentences":[{"text":"So over the past five years, it's at least about 10.18, which is great.","start":916.715,"end":921.295,"sentiment":"positive","sentiment_score":0.569504263145583},{"text":"We wanna get as much growth as possible out of the portfolio.","start":921.355,"end":924.175,"sentiment":"positive","sentiment_score":0.5789714554945627},{"text":"And if you scroll down to the next page, you'll see the projection table.","start":925.01,"end":928.47,"sentiment":"neutral","sentiment_score":0.18941978737711906},{"text":"Now I project over the next five to ten years.","start":928.61,"end":931.25,"sentiment":"neutral","sentiment_score":0.17141464948654175},{"text":"So this is sort of showing you your current if you stay where you are with the same insurances in the same portfolio over the next five to ten years, you could essentially end up with about 275,000 or over 380,000 within sleep in the next ten years, which is great.","start":931.25,"end":947.57495,"sentiment":"neutral","sentiment_score":0.31701673450423223}],"sentiment":"positive","sentiment_score":0.35103558542409746,"num_words":101,"start":916.715,"end":947.57495},{"sentences":[{"text":"However, with the new recommended portfolio, by saving fees and having a greater past performance and even including increasing the cost of increasing your income protection, in the next five to ten years, you can actually end up a little bit further in front, which is a positive and a bonus for yourself.","start":947.95496,"end":964.51,"sentiment":"positive","sentiment_score":0.42055262006678673},{"text":"You could end up with about $800 difference, but it means that this newer portfolio with the reduction of fees has been keeping up with inflation.","start":964.51,"end":973.355,"sentiment":"positive","sentiment_score":0.4603563604446558},{"text":"It has also it does also keep up with the fact that you've got a higher insurance cost noted above there as well.","start":973.575,"end":979.895,"sentiment":"neutral","sentiment_score":0.22527047667814337},{"text":"Okay.","start":979.895,"end":980.395,"sentiment":"neutral","sentiment_score":0.05619203671813011},{"text":"Beautiful.","start":982.34,"end":982.82,"sentiment":"positive","sentiment_score":0.7177201509475708}],"sentiment":"positive","sentiment_score":0.3866700710227283,"num_words":104,"start":947.95496,"end":982.82},{"sentences":[{"text":"That can be a lot.","start":982.82,"end":983.7,"sentiment":"positive","sentiment_score":0.5019725799560547},{"text":"Do you have any questions in relation to any of that there at all?","start":983.7,"end":987.0,"sentiment":"neutral","sentiment_score":0.06847731636038848},{"text":"Absolutely.","start":996.51495,"end":997.01495,"sentiment":"neutral","sentiment_score":0.09453682601451874},{"text":"Yeah.","start":999.635,"end":1000.135,"sentiment":"neutral","sentiment_score":0.10570013523101808},{"text":"Absolutely.","start":1003.475,"end":1003.975,"sentiment":"neutral","sentiment_score":0.1886023581027985}],"sentiment":"neutral","sentiment_score":0.17533566582609306,"num_words":22,"start":982.82,"end":1003.975},{"sentences":[{"text":"It is a lot to process.","start":1004.195,"end":1005.475,"sentiment":"neutral","sentiment_score":0.15681521718700728},{"text":"I absolutely get it.","start":1005.475,"end":1006.675,"sentiment":"positive","sentiment_score":0.46286772936582565},{"text":"It's not a problem.","start":1006.675,"end":1007.64,"sentiment":"positive","sentiment_score":0.440554678440094},{"text":"It's always good that you're looking at it with me because it is a lot of numbers to go through, and it can take a minute to process it all.","start":1007.72003,"end":1014.52,"sentiment":"positive","sentiment_score":0.35965790748596194},{"text":"So absolutely.","start":1014.52,"end":1015.18,"sentiment":"positive","sentiment_score":0.4376343786716461}],"sentiment":"positive","sentiment_score":0.3525997155710407,"num_words":46,"start":1004.195,"end":1015.18},{"sentences":[{"text":"All good.","start":1016.84,"end":1017.58,"sentiment":"positive","sentiment_score":0.5308453440666199},{"text":"If you scroll down to the next page for me, I'll show you what the changes will look like within your super fund for you to be able to obtain that newer portfolio.","start":1017.96,"end":1025.985,"sentiment":"neutral","sentiment_score":0.10939716051022212},{"text":"Beautiful.","start":1028.605,"end":1029.105,"sentiment":"positive","sentiment_score":0.33567124605178833},{"text":"So to make this a bit easier, because there is a lot going on here in that table, the first column outlines will be individual investments that both you currently have and that we're gonna add into the portfolio.","start":1029.485,"end":1039.14,"sentiment":"neutral","sentiment_score":0.1214288450204409},{"text":"What we're sort of looking at here to make it easy is that lovely buy sell column with the red and the green.","start":1039.44,"end":1044.98,"sentiment":"neutral","sentiment_score":0.1255845678565295}],"sentiment":"neutral","sentiment_score":0.128894267831834,"num_words":98,"start":1016.84,"end":1044.98},{"sentences":[{"text":"That shows you the investments that will be sold down whether full or partial and what we're gonna purchase in the portfolio for you as well.","start":1045.28,"end":1052.9,"sentiment":"neutral","sentiment_score":0.08742851334122512},{"text":"So to give you a fairly easy rundown, with the battery and lithium tech, we are removing that completely from the portfolio.","start":1053.1549,"end":1059.975,"sentiment":"neutral","sentiment_score":0.04713493467054584},{"text":"It has performed really nicely, but we found a much cheaper way to hold that investment for you.","start":1060.2749,"end":1065.8949,"sentiment":"neutral","sentiment_score":0.09091177789701356},{"text":"You've also got the Benelmong Australian Equities.","start":1066.6799,"end":1069.34,"sentiment":"neutral","sentiment_score":0.007451161409595183},{"text":"That investment is the one that's been underperforming.","start":1069.3999,"end":1071.6599,"sentiment":"neutral","sentiment_score":-0.06437805388122797}],"sentiment":"neutral","sentiment_score":0.055353772970215404,"num_words":81,"start":1045.28,"end":1071.6599},{"sentences":[{"text":"We talked about getting rid of that and removing it out of the portfolio and replacing that with something else.","start":1071.88,"end":1077.88,"sentiment":"neutral","sentiment_score":-0.025147507432848215},{"text":"So that'll be fully sold down for you.","start":1077.88,"end":1080.38,"sentiment":"neutral","sentiment_score":0.06529676308855414},{"text":"We've also got the a BetaShares Bank hybrid.","start":1080.855,"end":1084.475,"sentiment":"neutral","sentiment_score":0.04007760528475046},{"text":"Now these are actually being phased out by the government in the next couple of years.","start":1084.535,"end":1088.295,"sentiment":"neutral","sentiment_score":0.02873924234881997},{"text":"So whilst we are making changes, we may as well remove that from your portfolio and replace it with something else so that things can work a bit harder for you down the track.","start":1088.295,"end":1096.96,"sentiment":"neutral","sentiment_score":0.03547680380699389}],"sentiment":"neutral","sentiment_score":0.0233265582017254,"num_words":86,"start":1071.88,"end":1096.96},{"sentences":[{"text":"You've also got some physical gold.","start":1099.1,"end":1101.02,"sentiment":"neutral","sentiment_score":0.11450178921222687},{"text":"You're sitting at about 7.8% at the moment.","start":1101.02,"end":1104.08,"sentiment":"neutral","sentiment_score":0.09082608763128519},{"text":"We wanna hold about 8%, so we're gonna buy a little more of that physical gold for you, which has been performing well, and over the longer term, is a really great asset to hold in your state of funds.","start":1104.46,"end":1114.395,"sentiment":"positive","sentiment_score":0.491966075822711},{"text":"We've also got cybersecurity.","start":1116.695,"end":1118.075,"sentiment":"neutral","sentiment_score":0.18092361465096474},{"text":"This is giving you access to global cybersecurity.","start":1118.615,"end":1121.115,"sentiment":"neutral","sentiment_score":0.2295276504009962}],"sentiment":"positive","sentiment_score":0.35836633531884715,"num_words":66,"start":1099.1,"end":1121.115},{"sentences":[{"text":"Again, it's good for diversification.","start":1122.2599,"end":1123.6399,"sentiment":"positive","sentiment_score":0.4662143290042877},{"text":"You're a bit overweight at the moment.","start":1124.0199,"end":1125.62,"sentiment":"neutral","sentiment_score":-0.027937797563416616},{"text":"You've got 8% in your portfolio.","start":1125.62,"end":1127.32,"sentiment":"neutral","sentiment_score":0.04061209410429001},{"text":"You only wanna hold about 5%, and cybersecurity has seen some really great growth there.","start":1127.5399,"end":1132.98,"sentiment":"neutral","sentiment_score":0.2913706844051679},{"text":"Yeah.","start":1132.98,"end":1133.2999,"sentiment":"neutral","sentiment_score":0.08275163173675537}],"sentiment":"neutral","sentiment_score":0.20095563307404518,"num_words":34,"start":1122.2599,"end":1133.2999},{"sentences":[{"text":"So we're just gonna reweight and rebalance your portfolio back.","start":1133.2999,"end":1137.375,"sentiment":"neutral","sentiment_score":0.10896604880690575},{"text":"We sell about 3% of that, and we distribute that across the rest of the portfolio, and it just rebalances you back to 5%.","start":1137.375,"end":1145.315,"sentiment":"neutral","sentiment_score":0.13677825142319003},{"text":"Okay.","start":1145.535,"end":1146.035,"sentiment":"neutral","sentiment_score":0.28712329268455505},{"text":"Excellent.","start":1147.84,"end":1148.34,"sentiment":"positive","sentiment_score":0.5920850038528442},{"text":"We've also got the IHS called composite bond in here.","start":1148.7999,"end":1151.94,"sentiment":"positive","sentiment_score":0.33822002708911897}],"sentiment":"neutral","sentiment_score":0.18769015412291754,"num_words":46,"start":1133.2999,"end":1151.94},{"sentences":[{"text":"This is giving you access and exposure to both government and corporate bonds as well as other defensive assets like bank notes, the cost, and it gives you some international exposure as well, which is great.","start":1152.0,"end":1162.74,"sentiment":"positive","sentiment_score":0.4044998524089654},{"text":"You're a little bit underweighted in your portfolio.","start":1163.275,"end":1165.695,"sentiment":"neutral","sentiment_score":-0.05513916350901127},{"text":"So you've only got 8.63%.","start":1165.835,"end":1168.175,"sentiment":"neutral","sentiment_score":0.03384837135672569},{"text":"We wanna hold 9% of this investment here, so we're gonna buy a little bit more to bring you back up in that waiting.","start":1168.635,"end":1174.815,"sentiment":"neutral","sentiment_score":0.14203149918466806},{"text":"We've also got the s and p 500.","start":1177.71,"end":1179.71,"sentiment":"neutral","sentiment_score":0.15153172798454762}],"sentiment":"neutral","sentiment_score":0.2334707782684285,"num_words":81,"start":1152.0,"end":1179.71},{"sentences":[{"text":"This is giving you access and exposure to the top 500 companies on The US market there.","start":1179.71,"end":1184.77,"sentiment":"neutral","sentiment_score":0.1347547405782868},{"text":"You've got 28.19%.","start":1185.0701,"end":1187.39,"sentiment":"neutral","sentiment_score":0.12417724480231603},{"text":"You're a bit overexposed currently.","start":1187.39,"end":1189.15,"sentiment":"neutral","sentiment_score":-0.13233911544084548},{"text":"We're gonna sell a little bit of that off and just bring you back to 20% in your portfolio.","start":1189.15,"end":1194.235,"sentiment":"neutral","sentiment_score":0.06588307792614949},{"text":"The other thing we've got here is property, Australian property.","start":1195.735,"end":1199.095,"sentiment":"neutral","sentiment_score":-0.1683885283768177}],"sentiment":"neutral","sentiment_score":0.029065924886338138,"num_words":54,"start":1179.71,"end":1199.095},{"sentences":[{"text":"Property has taken a bit of a hit since the changes came into play with the negative gearing and the capital gains consequences.","start":1199.095,"end":1204.955,"sentiment":"negative","sentiment_score":-0.35109908684440283},{"text":"It's underperforming a little bit, so we're gonna remove that out of your portfolio currently.","start":1205.91,"end":1210.17,"sentiment":"neutral","sentiment_score":-0.31656624674797057},{"text":"There might be a place to put it back into the future, but right now, it's underperforming.","start":1210.31,"end":1213.93,"sentiment":"neutral","sentiment_score":-0.1597006702247788},{"text":"So we'll start to we'll just remove that for the time being and replace it with something else that's performing a little bit better for you.","start":1214.0701,"end":1220.25,"sentiment":"neutral","sentiment_score":-0.013462263231094066},{"text":"Excellent.","start":1222.3251,"end":1222.8251,"sentiment":"positive","sentiment_score":0.6818130612373352}],"sentiment":"neutral","sentiment_score":-0.18544987652723383,"num_words":82,"start":1199.095,"end":1222.8251},{"sentences":[{"text":"You've also got the beta shares Rafi 200.","start":1223.2051,"end":1225.685,"sentiment":"positive","sentiment_score":0.3379888366907835},{"text":"This is giving you some exposure into the Australian stock market.","start":1225.685,"end":1228.725,"sentiment":"positive","sentiment_score":0.3480561944571408},{"text":"You've got about 16.57% there at the moment.","start":1228.725,"end":1232.265,"sentiment":"neutral","sentiment_score":0.2658921629190445},{"text":"We wanna hold 15% of your portfolio, so we're just gonna sell a little bit of that off for you.","start":1232.405,"end":1238.33,"sentiment":"neutral","sentiment_score":0.2804873675107956},{"text":"When you look at the last couple, this is just adding some extra exposure into your portfolio to kind of build on what you've currently already got and what we are keeping.","start":1239.75,"end":1248.8099,"sentiment":"neutral","sentiment_score":0.07449965516570956}],"sentiment":"neutral","sentiment_score":0.21080256267627584,"num_words":79,"start":1223.2051,"end":1248.8099},{"sentences":[{"text":"So we're gonna give you exposure into the India quality ETF.","start":1249.225,"end":1252.2649,"sentiment":"neutral","sentiment_score":0.1399611234664917},{"text":"This is giving you exposure into India.","start":1252.2649,"end":1254.2849,"sentiment":"neutral","sentiment_score":0.18363574572971889},{"text":"Has seen some good growth there.","start":1254.345,"end":1255.7849,"sentiment":"positive","sentiment_score":0.34274620314439136},{"text":"There is still growth to be had, and we wanna hold 5% of that investment currently.","start":1255.7849,"end":1259.8849,"sentiment":"neutral","sentiment_score":0.1562852414790541},{"text":"Underneath that, you've, yeah, underneath that, you've got the the health care.","start":1261.065,"end":1264.93,"sentiment":"neutral","sentiment_score":0.062305476516485214}],"sentiment":"neutral","sentiment_score":0.15634094959554765,"num_words":52,"start":1249.225,"end":1264.93},{"sentences":[{"text":"This is giving you exposure to global health care.","start":1264.93,"end":1267.49,"sentiment":"neutral","sentiment_score":0.11851868198977576},{"text":"So, again, diversification, and we wanna hold 4% of that investment.","start":1267.49,"end":1272.15,"sentiment":"neutral","sentiment_score":0.18320416997779498},{"text":"Health care still sees really great growth.","start":1272.29,"end":1274.13,"sentiment":"positive","sentiment_score":0.49046471289225985},{"text":"This is not only just giving you the real health care, but it's also the tech side of health care as well.","start":1274.13,"end":1279.295,"sentiment":"neutral","sentiment_score":0.2682513547214595},{"text":"They're giving you some tech exposure.","start":1279.3551,"end":1280.9551,"sentiment":"neutral","sentiment_score":0.2130995194117228}],"sentiment":"neutral","sentiment_score":0.24900534396821802,"num_words":55,"start":1264.93,"end":1280.9551},{"sentences":[{"text":"And there are some really big changes coming in the health care space when we look at the tech side of things as well.","start":1280.9551,"end":1286.2351,"sentiment":"neutral","sentiment_score":0.18178927060216665},{"text":"So it's a really great place to be invested.","start":1286.2351,"end":1288.85,"sentiment":"positive","sentiment_score":0.6465033325884078},{"text":"It's only gonna be about 4% of your portfolio, so it's only a very small percentage there for you.","start":1289.07,"end":1294.37,"sentiment":"positive","sentiment_score":0.3466302046650334},{"text":"Yeah.","start":1296.27,"end":1296.67,"sentiment":"neutral","sentiment_score":0.1528075635433197},{"text":"We've also got the BetaShares a 200.","start":1296.67,"end":1299.15,"sentiment":"neutral","sentiment_score":0.1630333811044693}],"sentiment":"neutral","sentiment_score":0.30102479346096517,"num_words":60,"start":1280.9551,"end":1299.15},{"sentences":[{"text":"This is giving you a bit more exposure into the Australian market.","start":1299.15,"end":1302.35,"sentiment":"neutral","sentiment_score":0.22171996906399727},{"text":"It's helping to because we're getting rid of Benelongs.","start":1302.35,"end":1304.9651,"sentiment":"neutral","sentiment_score":0.22823816703425515},{"text":"This is giving you exposure into the Australian two top 200 companies.","start":1305.1051,"end":1309.4451,"sentiment":"neutral","sentiment_score":0.2635931794842084},{"text":"This, along with the rapid, is giving you greater diversification, and one of the biggest things we look at with risk mitigation.","start":1309.8251,"end":1316.7251,"sentiment":"neutral","sentiment_score":0.3116313469680873},{"text":"We all wanna see good returns and take a little bit of risk, but we wanna try and mitigate as much market risk as we possibly humanly can.","start":1317.0701,"end":1324.77,"sentiment":"neutral","sentiment_score":0.28102472494356334}],"sentiment":"neutral","sentiment_score":0.2723190749108971,"num_words":83,"start":1299.15,"end":1324.77},{"sentences":[{"text":"And one of the ways we look to do that is to diversify your portfolio, spreading your risk across different asset classes, across different countries, and across your your different sectors as well.","start":1324.91,"end":1336.855,"sentiment":"neutral","sentiment_score":0.2808216114838918},{"text":"And so doing that helps to spread the risk level quite significantly.","start":1336.995,"end":1340.7749,"sentiment":"positive","sentiment_score":0.4064354325334231},{"text":"The idea is where you wanna be invested in enough countries and asset classes where if one is down, another is up to mitigate that.","start":1341.1549,"end":1349.61,"sentiment":"neutral","sentiment_score":0.2678460615873337},{"text":"So we know markets will go up and down, but we wanna see some of the portfolio working well when others might not be working as well and vice versa.","start":1349.61,"end":1357.31,"sentiment":"neutral","sentiment_score":0.25060420433680214},{"text":"And that's how we take advantage of the market ups and downs, essentially.","start":1357.6549,"end":1360.7949,"sentiment":"positive","sentiment_score":0.38785183888215286}],"sentiment":"neutral","sentiment_score":0.2955813269435832,"num_words":113,"start":1324.91,"end":1360.7949},{"sentences":[{"text":"So this is giving you greater diversification and making sure you've got access into the Australian market there as well.","start":1361.815,"end":1368.315,"sentiment":"positive","sentiment_score":0.5770908206701278},{"text":"I'm so sorry about that.","start":1370.615,"end":1371.9149,"sentiment":"neutral","sentiment_score":-0.12039732784032822},{"text":"The other thing we talked about was having a bit of active management in your portfolio for you.","start":1374.0,"end":1378.1599,"sentiment":"neutral","sentiment_score":0.1310301311314106},{"text":"You both were happy to see a little bit of active management because you are still younger having a bit more risk side of things, and that's when this investment comes into the JPMorgan Global Research Enhancement Equity Fund.","start":1378.1599,"end":1390.075,"sentiment":"neutral","sentiment_score":0.2644696052257831},{"text":"This is actually giving you a very low cost managed fund.","start":1390.455,"end":1394.5349,"sentiment":"positive","sentiment_score":0.35767954046075995}],"sentiment":"neutral","sentiment_score":0.29620603960688396,"num_words":93,"start":1361.815,"end":1394.5349},{"sentences":[{"text":"It's giving you global exposure so across the globe, but it's utilizing JPMorgan's research team to pick and choose certain investments where there might be additional growth.","start":1394.5349,"end":1404.7201,"sentiment":"neutral","sentiment_score":0.25135544108019936},{"text":"It's only a small portion of active management, so it's mostly a passively managed fund, but it is keeping some active management in your portfolio for you and adding a little bit of that active risk in there, which is kind of what you just wanted to see.","start":1405.18,"end":1418.055,"sentiment":"neutral","sentiment_score":0.22926217379669347},{"text":"We'll just keep monitoring this with you probably every six months to see how it's going.","start":1418.1951,"end":1422.4551,"sentiment":"neutral","sentiment_score":0.14790836814790964},{"text":"If it's ever sort of underperforming or not doing what it's supposed to, then we can always look to swap it out to something else for you as well.","start":1422.515,"end":1429.23,"sentiment":"neutral","sentiment_score":-0.020474629155520736},{"text":"Okay.","start":1429.23,"end":1429.73,"sentiment":"neutral","sentiment_score":0.10177266597747804}],"sentiment":"neutral","sentiment_score":0.1625266410102529,"num_words":121,"start":1394.5349,"end":1429.73},{"sentences":[{"text":"Excellent.","start":1431.47,"end":1431.97,"sentiment":"positive","sentiment_score":0.4427345395088196},{"text":"And then the other side of that is having more defensive investments.","start":1432.35,"end":1435.9501,"sentiment":"neutral","sentiment_score":0.11318417141834895},{"text":"We are removing the bank hybrids, and they were more of a defensive investment.","start":1435.9501,"end":1439.73,"sentiment":"neutral","sentiment_score":0.010374305237616812},{"text":"We're removing them because they are being phased out down the track.","start":1439.79,"end":1443.25,"sentiment":"neutral","sentiment_score":-0.003503367304801941},{"text":"So in your growth area, you wanna see about roughly 20% invested in defensive assets, so things like cash, bonds, and fixed interest.","start":1443.5549,"end":1452.115,"sentiment":"neutral","sentiment_score":0.15418247392644052}],"sentiment":"neutral","sentiment_score":0.08790873165332502,"num_words":62,"start":1431.47,"end":1452.115},{"sentences":[{"text":"The iShares, Yield Plus, and your core composite bonds, they essentially are your defensive investments.","start":1452.115,"end":1457.84,"sentiment":"neutral","sentiment_score":0.181032728155454},{"text":"You hold 18% between the 9% of each.","start":1457.84,"end":1461.22,"sentiment":"neutral","sentiment_score":0.21494580246508121},{"text":"The iShares Yield Plus is giving you exposure to essentially defensive investments that are high income producing, and that's really good.","start":1461.36,"end":1469.84,"sentiment":"positive","sentiment_score":0.5592921092396691},{"text":"We want income to be produced out of your portfolio.","start":1469.84,"end":1472.655,"sentiment":"positive","sentiment_score":0.4237070530653},{"text":"That income is paid into your cash account, and that's reinvested back into your portfolio for compounding.","start":1473.115,"end":1478.3351,"sentiment":"positive","sentiment_score":0.3989518950967228}],"sentiment":"positive","sentiment_score":0.383090765963138,"num_words":71,"start":1452.115,"end":1478.3351},{"sentences":[{"text":"And bonds are also really good for that as well.","start":1478.9551,"end":1481.6951,"sentiment":"positive","sentiment_score":0.4977738976478577},{"text":"They pay income on a regular basis into your cash account, and that gets redistributed across your portfolio.","start":1481.8351,"end":1487.5801,"sentiment":"positive","sentiment_score":0.35345785402589375},{"text":"So we want a mixture of growth, so changes in investment prices, as well as income from your portfolio there as well.","start":1487.64,"end":1494.68,"sentiment":"positive","sentiment_score":0.34879605065692554},{"text":"And having those defensive assets is also good for long term risk mitigation where equities might not be performing very well so that in those of the times, defensive assets hold and perform very strongly for you as well.","start":1494.68,"end":1507.495,"sentiment":"positive","sentiment_score":0.4141418910943545},{"text":"Does that make sense?","start":1507.555,"end":1508.4349,"sentiment":"neutral","sentiment_score":0.1405901461839676}],"sentiment":"positive","sentiment_score":0.3841654602237927,"num_words":93,"start":1478.9551,"end":1508.4349},{"sentences":[{"text":"Do you have any questions in relation to any of that?","start":1508.4349,"end":1511.175,"sentiment":"neutral","sentiment_score":0.049151173030788246},{"text":"Yeah.","start":1517.64,"end":1518.14,"sentiment":"neutral","sentiment_score":0.0909888595342636},{"text":"Yeah.","start":1522.76,"end":1523.08,"sentiment":"neutral","sentiment_score":0.163764625787735},{"text":"Oh, thank you.","start":1523.08,"end":1524.2,"sentiment":"neutral","sentiment_score":0.28909116486708325},{"text":"No.","start":1524.2,"end":1524.36,"sentiment":"neutral","sentiment_score":0.03809743374586105}],"sentiment":"neutral","sentiment_score":0.10004631276516353,"num_words":17,"start":1508.4349,"end":1524.36},{"sentences":[{"text":"That's okay.","start":1524.36,"end":1525.08,"sentiment":"neutral","sentiment_score":0.09228825941681862},{"text":"I try to make it as easy as possible for understanding because not everyone is that, you know, open to wanting to hear.","start":1525.08,"end":1531.3049,"sentiment":"neutral","sentiment_score":0.13548108125510422},{"text":"But then if there is anything further you wanna know, I'm happy to delve deeper into it for you as well.","start":1531.525,"end":1536.245,"sentiment":"neutral","sentiment_score":0.16529837791763602},{"text":"But, yeah, it's a really good change to the portfolio.","start":1536.245,"end":1538.825,"sentiment":"neutral","sentiment_score":0.29257827550172805},{"text":"I like the way it looks.","start":1538.965,"end":1539.9249,"sentiment":"positive","sentiment_score":0.6478482981522878}],"sentiment":"neutral","sentiment_score":0.2191093527081032,"num_words":62,"start":1524.36,"end":1539.9249},{"sentences":[{"text":"It incorporates a lower cost portfolio with some active management, and it's also saving on fees, which is great.","start":1539.9249,"end":1546.09,"sentiment":"positive","sentiment_score":0.6012093707134849},{"text":"And there's only a very small CGT cost in order to switch the investments around for you, which works.","start":1546.3099,"end":1552.25,"sentiment":"neutral","sentiment_score":0.2500994479969928},{"text":"Yeah.","start":1552.63,"end":1553.13,"sentiment":"neutral","sentiment_score":0.3080717623233795},{"text":"Beautiful.","start":1554.9149,"end":1555.4149,"sentiment":"positive","sentiment_score":0.6745592355728149},{"text":"So that is essentially your super part.","start":1555.6349,"end":1558.2949,"sentiment":"positive","sentiment_score":0.5024011986596244}],"sentiment":"positive","sentiment_score":0.43987887114920515,"num_words":47,"start":1539.9249,"end":1558.2949},{"sentences":[{"text":"Now I'll take you through the insurance side of things.","start":1558.4349,"end":1560.755,"sentiment":"neutral","sentiment_score":0.16785214543342591},{"text":"This is the one thing that I really wanted to sort of talk to you about.","start":1560.755,"end":1563.8949,"sentiment":"neutral","sentiment_score":0.12995179696008563},{"text":"With the insurance side of things here, now this is essentially showing you we are retaining your life and income protection that you do hold within that hub twenty four platform account at the moment, and that will give you a base level of cover.","start":1566.0349,"end":1578.2001,"sentiment":"neutral","sentiment_score":0.14067893061372969},{"text":"The other thing we sort of talked about was being able to top up your income protection so that if you are off work for any particular reason, that you would have that extra level of cover.","start":1578.98,"end":1588.655,"sentiment":"neutral","sentiment_score":0.19382925875283577},{"text":"And we also sort of are looking at a lower waiting period.","start":1589.355,"end":1593.275,"sentiment":"neutral","sentiment_score":0.1672569209088882}],"sentiment":"neutral","sentiment_score":0.16055889756729205,"num_words":120,"start":1558.4349,"end":1593.275},{"sentences":[{"text":"So the other thing is with your income protection cover on your HUD 24 account, you've got a ninety day waiting period.","start":1593.275,"end":1600.095,"sentiment":"neutral","sentiment_score":0.18113866042007098},{"text":"So I've recommended a lower waiting period, which means you only have to be off work for thirty days for this newer income protection cover.","start":1600.6,"end":1607.98,"sentiment":"neutral","sentiment_score":0.13678046882152559},{"text":"That essentially means you can claim earlier, which puts less stress on your family's expenditure in the event that you're unable to work.","start":1608.2799,"end":1615.1,"sentiment":"neutral","sentiment_score":0.2773133966585864},{"text":"One of the things that I looked at for this is that your income is technically higher than Sergio's, so you're more of the breadwinner.","start":1615.375,"end":1621.475,"sentiment":"neutral","sentiment_score":0.2373611557483673},{"text":"It doesn't so please don't make this sound bad to Sergio in any way, but it's more about making sure that your family can survive in the event that something happens.","start":1622.335,"end":1630.62,"sentiment":"neutral","sentiment_score":0.14575028539665283}],"sentiment":"neutral","sentiment_score":0.1923417310629572,"num_words":126,"start":1593.275,"end":1630.62},{"sentences":[{"text":"You've got mortgages and bills and all the things and food, and nothing stops coming in.","start":1630.62,"end":1636.16,"sentiment":"neutral","sentiment_score":0.10237942123785615},{"text":"So having a thirty day waiting period on this on this ClearView policy means that there's a portion of your income protection you can claim earlier to give you a bit of a buffer while you're sitting at a ninety day waiting period to claim on the rest of the income protection within that group cover policy.","start":1636.22,"end":1651.575,"sentiment":"neutral","sentiment_score":0.1935313249889173},{"text":"Does that make sense?","start":1651.715,"end":1652.775,"sentiment":"neutral","sentiment_score":0.09729752503335476},{"text":"Yep.","start":1654.6749,"end":1655.1749,"sentiment":"neutral","sentiment_score":0.17379650473594666},{"text":"Beautiful.","start":1655.235,"end":1655.635,"sentiment":"positive","sentiment_score":0.46735045313835144}],"sentiment":"neutral","sentiment_score":0.17341383952128736,"num_words":79,"start":1630.62,"end":1655.635},{"sentences":[{"text":"They both do have a five year benefit period.","start":1655.635,"end":1658.13,"sentiment":"neutral","sentiment_score":0.21807905203766292},{"text":"You can be on the claim for up to five years.","start":1658.21,"end":1660.55,"sentiment":"neutral","sentiment_score":0.15648775750940497},{"text":"The disadvantage to a five year benefit period is that once that five years ends, the claim will stop regardless whether you can go back to work or not.","start":1660.93,"end":1669.99,"sentiment":"neutral","sentiment_score":-0.2695819180587242},{"text":"The advantage to that is that it makes the cost a bit lower.","start":1670.13,"end":1673.49,"sentiment":"neutral","sentiment_score":0.3055497258901596},{"text":"So you can have an age 65 benefit period as well, which means you can be on a claim up to the age of 65.","start":1673.49,"end":1680.025,"sentiment":"neutral","sentiment_score":0.16676895543932915}],"sentiment":"neutral","sentiment_score":0.046064040227525534,"num_words":87,"start":1655.635,"end":1680.025},{"sentences":[{"text":"However, it does make the premiums very expensive.","start":1680.025,"end":1683.005,"sentiment":"negative","sentiment_score":-0.3495938926935196},{"text":"So to try and lower the premiums as much as possible, but still make sure you have a good benefit period to cover you in the event that you're off work, that five years is kind of a happy medium for you.","start":1683.225,"end":1694.76,"sentiment":"positive","sentiment_score":0.46173437365463804},{"text":"Okay.","start":1694.76,"end":1695.26,"sentiment":"positive","sentiment_score":0.3401239514350891},{"text":"Excellent.","start":1696.84,"end":1697.34,"sentiment":"positive","sentiment_score":0.6470092535018921},{"text":"So, essentially, with your current income protection monthly benefit of a $1,113.91, in order to cover you for up to 70% of your current income, we needed to then increase and provide a new benefit or a new policy to give you a monthly benefit of $4,719.","start":1697.48,"end":1719.1101,"sentiment":"positive","sentiment_score":0.3730319040886899}],"sentiment":"positive","sentiment_score":0.3547042954449702,"num_words":99,"start":1680.025,"end":1719.1101},{"sentences":[{"text":"That equals that 70% when you add the two together.","start":1719.41,"end":1722.2301,"sentiment":"positive","sentiment_score":0.346998992562294},{"text":"The disadvantage is when we kinda went through the pre assessment there, we did note there was some health consent.","start":1722.77,"end":1729.67,"sentiment":"neutral","sentiment_score":-0.3107763327658176},{"text":"So when we went back to do the blind pre assessment with the underwriters and the insurers, they did note that this policy would be expensive because they're adding a 150% loading onto it.","start":1730.285,"end":1742.765,"sentiment":"neutral","sentiment_score":-0.19139469853218863},{"text":"So it essentially means the expectation for the premium for this policy would be $5,923.26.","start":1742.765,"end":1752.2999,"sentiment":"neutral","sentiment_score":-0.02151405488451322},{"text":"Because it is paid out of the Superfund, you get a 15% discount there.","start":1752.6,"end":1757.5,"sentiment":"neutral","sentiment_score":0.10301664471626282}],"sentiment":"neutral","sentiment_score":-0.08745628254868651,"num_words":93,"start":1719.41,"end":1757.5},{"sentences":[{"text":"So it means that the amount you would pay for this policy out of super is $5,034.70.","start":1757.705,"end":1764.365,"sentiment":"neutral","sentiment_score":0.14489004169316852},{"text":"That added to the already amount you're paid out of you're paying out of the super fund.","start":1764.665,"end":1769.325,"sentiment":"neutral","sentiment_score":0.054808575440855586},{"text":"It means that we can expect the total premium sorry.","start":1769.465,"end":1772.745,"sentiment":"neutral","sentiment_score":0.053866821154952046},{"text":"I'm just running back double checking.","start":1772.745,"end":1774.5,"sentiment":"neutral","sentiment_score":0.016951945920785267},{"text":"It's $5,416.","start":1774.7999,"end":1777.44,"sentiment":"neutral","sentiment_score":0.1028609350323677}],"sentiment":"neutral","sentiment_score":0.0815572740080265,"num_words":52,"start":1757.705,"end":1777.44},{"sentences":[{"text":"That is for your current life and income protection policy as well as that new clear view policy total for the year.","start":1777.44,"end":1784.34,"sentiment":"neutral","sentiment_score":0.14741621268066493},{"text":"Okay?","start":1784.5599,"end":1785.0599,"sentiment":"neutral","sentiment_score":0.03076556883752346},{"text":"So that's the whole year.","start":1786.4,"end":1789.765,"sentiment":"neutral","sentiment_score":0.021097319573163985},{"text":"Yeah.","start":1789.765,"end":1790.0851,"sentiment":"neutral","sentiment_score":0.07356692850589752},{"text":"Yeah.","start":1790.0851,"end":1790.3251,"sentiment":"neutral","sentiment_score":0.10201811790466309}],"sentiment":"neutral","sentiment_score":0.11849979640295108,"num_words":30,"start":1777.44,"end":1790.3251},{"sentences":[{"text":"Definitely.","start":1790.3251,"end":1790.8251,"sentiment":"neutral","sentiment_score":0.1562357246875763},{"text":"Yeah.","start":1792.4851,"end":1792.9851,"sentiment":"neutral","sentiment_score":0.07751414179801941},{"text":"It is a lot.","start":1793.125,"end":1794.185,"sentiment":"neutral","sentiment_score":0.029045896604657173},{"text":"If you look at the next page, it basically breaks down because of the health concerns that were disclosed in the pre assessment, they've added a 150% medical loading onto it, and they will only cover you for your main occupation.","start":1794.4851,"end":1807.65,"sentiment":"neutral","sentiment_score":-0.07666593544730325},{"text":"Because you do have that secondary job, they will exclude any claims for your secondary occupation there.","start":1807.7101,"end":1814.05,"sentiment":"neutral","sentiment_score":-0.17041477604823954}],"sentiment":"neutral","sentiment_score":-0.08891282958211377,"num_words":64,"start":1790.3251,"end":1814.05},{"sentences":[{"text":"It's not the best terms, and I'm so sorry about that.","start":1814.51,"end":1817.515,"sentiment":"negative","sentiment_score":-0.4400050775571303},{"text":"We did try to, you know, argue the point with them.","start":1817.515,"end":1820.015,"sentiment":"neutral","sentiment_score":-0.23068425194783646},{"text":"But at the end of the day, the biggest thing with the underwriters and the insurance companies are they're essentially assessing the risk of them paying a claim.","start":1820.395,"end":1829.535,"sentiment":"neutral","sentiment_score":-0.023773906286805868},{"text":"And when there are prior health concerns, when there is things that increase the risk, then they do add those loadings on there because there's more more more of a chance they're gonna pay out on that policy, essentially.","start":1829.87,"end":1842.29,"sentiment":"neutral","sentiment_score":0.007932391208715929},{"text":"As a difference, in the appendices, which you'll also have attached there, it is the next document down, and you'll be able to take some time to read it through as well.","start":1842.825,"end":1854.365,"sentiment":"neutral","sentiment_score":0.09293931454885751}],"sentiment":"neutral","sentiment_score":-0.03933744361885816,"num_words":121,"start":1814.51,"end":1854.365},{"sentences":[{"text":"But in the appendices, I did actually have a look at if you were to only increase or add the Clearview income protection policy to cover 50% of your income.","start":1854.745,"end":1866.2001,"sentiment":"neutral","sentiment_score":0.14154858589172364},{"text":"So it essentially means that instead of applying for 4,717 as a monthly benefit, you'd be applying for a lesser amount.","start":1866.8201,"end":1877.605,"sentiment":"neutral","sentiment_score":0.11177116437327295},{"text":"It'd be $3,052.","start":1880.305,"end":1882.805,"sentiment":"neutral","sentiment_score":0.16983146468798319},{"text":"It essentially that plus your current 1,113 would cover 50% of your monthly 50% of your income if you are off work.","start":1883.185,"end":1893.87,"sentiment":"neutral","sentiment_score":0.20595235445282675},{"text":"It does reduce the total insurance premium.","start":1894.5701,"end":1897.4701,"sentiment":"neutral","sentiment_score":0.22206629386969975}],"sentiment":"neutral","sentiment_score":0.15889834069523467,"num_words":83,"start":1854.745,"end":1897.4701},{"sentences":[{"text":"So instead of paying that 5,400, the expected premium out of super would be 3,637 even with those additional loadings added.","start":1897.53,"end":1908.065,"sentiment":"neutral","sentiment_score":0.2494475245475769},{"text":"It does essentially mean that you get more growth out of your super, but it's also what's important to you.","start":1908.765,"end":1915.26,"sentiment":"neutral","sentiment_score":0.17856310196220876},{"text":"So the benefit of having this policy, as much as it is expensive, it does mean if something happens, if you're off work, you're able to claim on that policy.","start":1915.42,"end":1924.72,"sentiment":"neutral","sentiment_score":0.08626298680901527},{"text":"The one thing I really do wanna reiterate with you is that we will review this policy with you.","start":1925.18,"end":1930.0549,"sentiment":"neutral","sentiment_score":0.1631499368109201},{"text":"If you place it in force or if you go through the application process, we will review this with you.","start":1930.0549,"end":1935.895,"sentiment":"neutral","sentiment_score":0.15254303812980652}],"sentiment":"neutral","sentiment_score":0.159529629281976,"num_words":110,"start":1897.53,"end":1935.895},{"sentences":[{"text":"So if your income decreases, these policies do also increase over time.","start":1935.895,"end":1940.775,"sentiment":"neutral","sentiment_score":0.09604055806994438},{"text":"We will look to decrease it back to make sure you're staying at 70%, not overpaying the premium.","start":1940.775,"end":1946.99,"sentiment":"neutral","sentiment_score":0.15317532937559816},{"text":"We can also, down the track, include additional contributions to mitigate and offset the effect of those premiums as well.","start":1947.4501,"end":1954.1101,"sentiment":"neutral","sentiment_score":0.22371832132339478},{"text":"I didn't recommend that.","start":1954.49,"end":1955.8501,"sentiment":"negative","sentiment_score":-0.5081183612346649},{"text":"I did think about doing it, but it was something that we discussed, and you've neither of you were comfortable adding additional contributions yet.","start":1955.8501,"end":1962.845,"sentiment":"negative","sentiment_score":-0.4840896278619766}],"sentiment":"neutral","sentiment_score":-0.06752071104561672,"num_words":78,"start":1935.895,"end":1962.845},{"sentences":[{"text":"Life is very expensive still.","start":1962.845,"end":1964.625,"sentiment":"negative","sentiment_score":-0.5952326893806458},{"text":"So we can down the track you know, look at additional contributions to offset the cost of those premiums as well.","start":1965.5651,"end":1971.665,"sentiment":"neutral","sentiment_score":0.147642226091453},{"text":"I do also have to note that because of what was disclosed, the underwriters did let us know that when you go to application, they will request, like, doctor's reports to show, you know, what the doctor's records have.","start":1972.23,"end":1985.69,"sentiment":"neutral","sentiment_score":-0.010066969845539484},{"text":"They will also possibly request, you know, new medical new medicals to be done in order to put the policy in force.","start":1985.7949,"end":1993.255,"sentiment":"neutral","sentiment_score":-0.026465297676622868},{"text":"That means that a nurse may, you know, contact or you they may ask you to go see your doctor to be able to have those medicals done so they can assess it.","start":1993.5549,"end":2001.69,"sentiment":"neutral","sentiment_score":-0.011538349430669437}],"sentiment":"neutral","sentiment_score":-0.01026075502547125,"num_words":120,"start":1962.845,"end":2001.69},{"sentences":[{"text":"If there is anything that comes out that we're not aware of or that increases the risk, there is a risk of a decline of that income protection policy as well.","start":2002.25,"end":2010.57,"sentiment":"neutral","sentiment_score":-0.26440253613456605},{"text":"So I just wanted to show you what this looks like and be open and honest with you with how what this, you know, what's expected with regards to this.","start":2010.57,"end":2019.495,"sentiment":"neutral","sentiment_score":0.28041227236390115},{"text":"And then you get to decide what you're comfortable with and how you would like to proceed with the income protection side of things.","start":2019.635,"end":2025.9551,"sentiment":"neutral","sentiment_score":0.26106040583302575},{"text":"Does that make sense?","start":2025.9551,"end":2026.8351,"sentiment":"neutral","sentiment_score":0.14734090492129326},{"text":"And do you have any questions?","start":2026.8351,"end":2028.135,"sentiment":"neutral","sentiment_score":0.005708630351970593}],"sentiment":"neutral","sentiment_score":0.07478899676352739,"num_words":95,"start":2002.25,"end":2028.135},{"sentences":[{"text":"Mhmm.","start":2034.01,"end":2034.51,"sentiment":"neutral","sentiment_score":-0.05775666609406471},{"text":"Mhmm.","start":2043.77,"end":2043.85,"sentiment":"neutral","sentiment_score":-0.059261247515678406},{"text":"Yeah.","start":2043.85,"end":2044.35,"sentiment":"neutral","sentiment_score":0.006024658679962158},{"text":"Yeah.","start":2045.275,"end":2045.675,"sentiment":"neutral","sentiment_score":0.07836644351482391},{"text":"Correct.","start":2045.675,"end":2046.155,"sentiment":"neutral","sentiment_score":0.12072662264108658}],"sentiment":"neutral","sentiment_score":0.017619962245225905,"num_words":5,"start":2034.01,"end":2046.155},{"sentences":[{"text":"So what you have currently saved as it is, there's no change there in any way, shape, or form.","start":2046.155,"end":2051.535,"sentiment":"neutral","sentiment_score":-0.0846947523716249},{"text":"It just means that if they decline that policy, we can't take that new ClearView policy there.","start":2052.155,"end":2057.4,"sentiment":"neutral","sentiment_score":-0.20133382125812418},{"text":"But yeah.","start":2058.2798,"end":2058.94,"sentiment":"neutral","sentiment_score":0.017346194945275784},{"text":"Yeah.","start":2059.48,"end":2059.98,"sentiment":"neutral","sentiment_score":0.05378180742263794},{"text":"Yeah.","start":2060.2798,"end":2060.76,"sentiment":"neutral","sentiment_score":0.07424398511648178}],"sentiment":"neutral","sentiment_score":-0.12172892685048282,"num_words":40,"start":2046.155,"end":2060.76},{"sentences":[{"text":"Yeah.","start":2060.76,"end":2061.26,"sentiment":"neutral","sentiment_score":0.10148635506629944},{"text":"Beautiful.","start":2062.0398,"end":2062.5398,"sentiment":"neutral","sentiment_score":0.29216715693473816},{"text":"Absolutely.","start":2064.92,"end":2065.42,"sentiment":"neutral","sentiment_score":0.3177286386489868},{"text":"Yeah.","start":2065.96,"end":2066.2798,"sentiment":"neutral","sentiment_score":0.28732556104660034},{"text":"Absolutely.","start":2066.2798,"end":2066.7798,"sentiment":"positive","sentiment_score":0.4097846746444702}],"sentiment":"neutral","sentiment_score":0.281698477268219,"num_words":5,"start":2060.76,"end":2066.7798},{"sentences":[{"text":"And that's why we're I'm glad we've got that group cover already in place because that is kind of your backup protection.","start":2066.92,"end":2073.595,"sentiment":"positive","sentiment_score":0.5126895078203895},{"text":"That will not change.","start":2073.9749,"end":2075.175,"sentiment":"neutral","sentiment_score":0.2356027439236641},{"text":"That stays there regardless.","start":2075.175,"end":2076.635,"sentiment":"neutral","sentiment_score":0.3157716244459152},{"text":"This newer policy, if it's declined, if it doesn't affect that current group cover policy you have.","start":2077.255,"end":2082.7148,"sentiment":"neutral","sentiment_score":0.21430063773604},{"text":"Okay.","start":2083.175,"end":2083.675,"sentiment":"neutral","sentiment_score":0.14852192997932434}],"sentiment":"positive","sentiment_score":0.3599229045212269,"num_words":48,"start":2066.92,"end":2083.675},{"sentences":[{"text":"Yeah.","start":2083.7349,"end":2084.2349,"sentiment":"neutral","sentiment_score":0.1304742395877838},{"text":"And then when you when you do look at the appendices, if you scroll into that document to the basically, the end, you'll see there is a insurance comparison showing the lower level of cover, the lower premium, and the lower projection table for you as well just so you can consider the differences.","start":2085.06,"end":2102.395,"sentiment":"neutral","sentiment_score":0.09871934913098812},{"text":"And you're welcome to let me know if you have any questions or wanna look at alternatives, and it's it's really just handed off on what you're comfortable with.","start":2103.0952,"end":2110.5552,"sentiment":"positive","sentiment_score":0.4635237938371198},{"text":"Okay?","start":2110.615,"end":2111.115,"sentiment":"neutral","sentiment_score":0.1973363757133484},{"text":"Beautiful.","start":2113.0952,"end":2113.5952,"sentiment":"positive","sentiment_score":0.3914785385131836}],"sentiment":"neutral","sentiment_score":0.22665493056004823,"num_words":86,"start":2083.7349,"end":2113.5952},{"sentences":[{"text":"Sorry.","start":2114.03,"end":2114.19,"sentiment":"neutral","sentiment_score":0.050484269857406616},{"text":"I know it's a lot to go through.","start":2114.19,"end":2115.63,"sentiment":"neutral","sentiment_score":-0.07523736543953419},{"text":"I just wanted to be honest and open and let you know it's all out there so you know what to kind of expect and what could happen.","start":2115.63,"end":2122.13,"sentiment":"neutral","sentiment_score":0.07316558182771717},{"text":"And I've also got in there a lot of information.","start":2122.8298,"end":2125.23,"sentiment":"neutral","sentiment_score":0.12831763923168182},{"text":"So when you go back and read the advice document, I've got the best interest duty noted on all the different areas of the advice for you to have a look at.","start":2125.23,"end":2134.0552,"sentiment":"neutral","sentiment_score":0.13403865322470665}],"sentiment":"neutral","sentiment_score":0.0894890497851221,"num_words":79,"start":2114.03,"end":2134.0552},{"sentences":[{"text":"It relates it back to your goals.","start":2134.0552,"end":2135.5752,"sentiment":"neutral","sentiment_score":0.11556551179715566},{"text":"We've also got the advantages, the disadvantages, and the risks outlined there for you as well.","start":2135.5752,"end":2140.955,"sentiment":"neutral","sentiment_score":0.08266896815621294},{"text":"Okay?","start":2141.0151,"end":2141.5151,"sentiment":"neutral","sentiment_score":0.1688742637634277},{"text":"Excellent.","start":2144.75,"end":2145.25,"sentiment":"positive","sentiment_score":0.43870604038238525},{"text":"If I can get you to scroll down for me just to page number 33, there's a table here I just wanted to take you through really quickly.","start":2145.47,"end":2153.97,"sentiment":"neutral","sentiment_score":0.14769971104604857}],"sentiment":"neutral","sentiment_score":0.12971385446254094,"num_words":53,"start":2134.0552,"end":2153.97},{"sentences":[{"text":"Beautiful.","start":2163.3252,"end":2163.8252,"sentiment":"positive","sentiment_score":0.41411370038986206},{"text":"So this one here, you'll see the table there under the outcomes, and that's essentially showing you the projection table above.","start":2164.2852,"end":2170.865,"sentiment":"neutral","sentiment_score":0.25341166130134035},{"text":"But we also have to note that there is an effect.","start":2171.49,"end":2174.93,"sentiment":"neutral","sentiment_score":0.08938802710988304},{"text":"So paying for insurances out of super does have an effect on your retirement income.","start":2174.93,"end":2180.15,"sentiment":"neutral","sentiment_score":0.13372557312250138},{"text":"And this shows you the same projection table above, but it also shows if you were not paying for insurances out of super, you can see the same projection table and showing over the next five to ten years where your super could end up.","start":2181.01,"end":2194.605,"sentiment":"neutral","sentiment_score":0.13249345372120538}],"sentiment":"neutral","sentiment_score":0.15792597742170417,"num_words":93,"start":2163.3252,"end":2194.605},{"sentences":[{"text":"It's essentially showing you the projected impact that your insurance premiums recommended have against your current scenario versus if you didn't pay for insurance.","start":2195.305,"end":2205.44,"sentiment":"neutral","sentiment_score":0.1191813638433814},{"text":"So it's just showing you the impact that we can see the insurance premiums have on your super over the next five to ten years.","start":2205.44,"end":2213.28,"sentiment":"neutral","sentiment_score":0.17975206106901168},{"text":"Does that make sense?","start":2213.28,"end":2214.34,"sentiment":"neutral","sentiment_score":0.15071513876318932},{"text":"Yep.","start":2216.16,"end":2216.66,"sentiment":"neutral","sentiment_score":0.14040341973304749},{"text":"Yeah.","start":2217.12,"end":2217.62,"sentiment":"neutral","sentiment_score":0.04953787103295326}],"sentiment":"neutral","sentiment_score":0.14812647463245826,"num_words":55,"start":2195.305,"end":2217.62},{"sentences":[{"text":"Beautiful.","start":2225.145,"end":2225.645,"sentiment":"positive","sentiment_score":0.6213928461074829},{"text":"No.","start":2237.43,"end":2237.93,"sentiment":"neutral","sentiment_score":-0.07471390068531036},{"text":"That is a really that is a really good question, and, no, it definitely does not.","start":2238.95,"end":2243.19,"sentiment":"neutral","sentiment_score":-0.0974219050258398},{"text":"So, essentially, what I'd be looking to do is we're projecting things over the next five to ten years.","start":2243.19,"end":2248.135,"sentiment":"neutral","sentiment_score":0.25202434274711105},{"text":"This puts you in a really good place, but I wanna kind of also look at down the track making additional contributions and building on this starting point.","start":2248.135,"end":2256.935,"sentiment":"positive","sentiment_score":0.4526829623750278}],"sentiment":"neutral","sentiment_score":0.2531002142108404,"num_words":65,"start":2225.145,"end":2256.935},{"sentences":[{"text":"So we can minimize the impact of those insurance premiums by increasing contributions in something as little as, say, $50 per fortnight could have a much greater impact for you long term and offset some of those insurance premiums as well.","start":2256.935,"end":2272.6301,"sentiment":"positive","sentiment_score":0.394649401307106},{"text":"We also just wanna make sure those insurances stay in line with what you need.","start":2272.6301,"end":2276.6301,"sentiment":"positive","sentiment_score":0.3688419282436371},{"text":"So if your income fluctuates and changes that we owe to that, these insurances do increase each year as they go through renewal, so keeping them and bringing them back in line with your needs as often as needed as well to keep the cost low.","start":2276.6301,"end":2290.545,"sentiment":"positive","sentiment_score":0.3553835892159006},{"text":"And then also looking at maybe other ways to mitigate the risk.","start":2291.0,"end":2294.2,"sentiment":"neutral","sentiment_score":0.17037014911572138},{"text":"If you decide to then invest in your own name or have savings and build a buffer, we can also then look to reduce the amount of insurances you need because you've got that buffer or that safety net, whether it be an investment or other savings through cash on budgeting that you can fall back on, and that can also provide a bit of a buffer and reduce the need for those insurances as well.","start":2294.2,"end":2316.495,"sentiment":"neutral","sentiment_score":0.21003092109764876}],"sentiment":"neutral","sentiment_score":0.2950931119683542,"num_words":190,"start":2256.935,"end":2316.495},{"sentences":[{"text":"So there's definitely other things that we can do to build on this.","start":2316.495,"end":2320.2751,"sentiment":"neutral","sentiment_score":0.21272131227529967},{"text":"I still wanna make sure that you're able to retire at the age of 60 if that's what you want and try to look at ways to build and and make sure that happens for you both.","start":2320.8599,"end":2330.7798,"sentiment":"neutral","sentiment_score":0.2782565041168316},{"text":"Okay?","start":2330.7798,"end":2331.2798,"sentiment":"neutral","sentiment_score":0.1252526193857193},{"text":"Yep.","start":2333.875,"end":2334.375,"sentiment":"neutral","sentiment_score":0.2703266739845276},{"text":"Perfect.","start":2334.7551,"end":2335.2551,"sentiment":"positive","sentiment_score":0.5577355623245239}],"sentiment":"neutral","sentiment_score":0.2644185390112535,"num_words":53,"start":2316.495,"end":2335.2551},{"sentences":[{"text":"Do you have any questions that are coming out of any of this?","start":2335.3152,"end":2337.7952,"sentiment":"neutral","sentiment_score":0.16870863219866386},{"text":"Please let me know if you do.","start":2337.7952,"end":2339.3352,"sentiment":"neutral","sentiment_score":0.11626637088400978},{"text":"No.","start":2343.3152,"end":2343.8152,"sentiment":"neutral","sentiment_score":-0.044242292642593384},{"text":"That's okay.","start":2343.875,"end":2344.7751,"sentiment":"neutral","sentiment_score":0.14364959299564362},{"text":"Beautiful.","start":2344.915,"end":2345.415,"sentiment":"positive","sentiment_score":0.544946014881134}],"sentiment":"neutral","sentiment_score":0.1581283217916886,"num_words":24,"start":2335.3152,"end":2345.415},{"sentences":[{"text":"Now scrolling down to the next section is on page number 37, and this is the third year.","start":2346.39,"end":2352.8098,"sentiment":"neutral","sentiment_score":0.09723532779349221},{"text":"Oh, that's That's okay.","start":2360.23,"end":2362.2651,"sentiment":"neutral","sentiment_score":0.04425176442600787},{"text":"You're fine.","start":2362.2651,"end":2363.0051,"sentiment":"neutral","sentiment_score":0.10220341384410858},{"text":"Yep.","start":2365.465,"end":2365.965,"sentiment":"neutral","sentiment_score":0.01942930556833744},{"text":"Yep.","start":2373.0652,"end":2373.5652,"sentiment":"neutral","sentiment_score":0.008247938007116318}],"sentiment":"neutral","sentiment_score":0.08305103958656009,"num_words":26,"start":2346.39,"end":2373.5652},{"sentences":[{"text":"That's that's the one.","start":2373.945,"end":2375.465,"sentiment":"neutral","sentiment_score":0.16905109025537968},{"text":"Yep.","start":2375.465,"end":2375.85,"sentiment":"neutral","sentiment_score":0.048781804740428925},{"text":"Is Sergio there?","start":2380.9702,"end":2382.27,"sentiment":"neutral","sentiment_score":0.000826686155050993},{"text":"No.","start":2387.05,"end":2387.37,"sentiment":"neutral","sentiment_score":-0.06771852821111679},{"text":"That's fine.","start":2387.37,"end":2388.1902,"sentiment":"neutral","sentiment_score":-0.03694157488644123}],"sentiment":"neutral","sentiment_score":0.0532604132948274,"num_words":11,"start":2373.945,"end":2388.1902},{"sentences":[{"text":"No.","start":2388.33,"end":2388.49,"sentiment":"neutral","sentiment_score":-0.08704105019569397},{"text":"No.","start":2388.49,"end":2388.8901,"sentiment":"neutral","sentiment_score":-0.10415400564670564},{"text":"You have nothing.","start":2388.8901,"end":2389.87,"sentiment":"neutral","sentiment_score":-0.12444078177213669},{"text":"That's yeah.","start":2395.195,"end":2396.715,"sentiment":"neutral","sentiment_score":-0.015194118022918701},{"text":"That's not a problem at all.","start":2396.715,"end":2398.655,"sentiment":"neutral","sentiment_score":0.09890718385577202}],"sentiment":"neutral","sentiment_score":-0.00011250262077037998,"num_words":13,"start":2388.33,"end":2398.655},{"sentences":[{"text":"Okay.","start":2414.02,"end":2414.52,"sentiment":"neutral","sentiment_score":0.010748828761279585},{"text":"Yeah.","start":2416.5,"end":2417.0,"sentiment":"neutral","sentiment_score":0.00846480205655098},{"text":"Perfect.","start":2422.4548,"end":2422.9548,"sentiment":"positive","sentiment_score":0.4936709702014923},{"text":"Excellent.","start":2423.655,"end":2424.155,"sentiment":"positive","sentiment_score":0.5243610143661499},{"text":"All good.","start":2424.4548,"end":2425.255,"sentiment":"positive","sentiment_score":0.45366501808166504}],"sentiment":"neutral","sentiment_score":0.32409594192480046,"num_words":6,"start":2414.02,"end":2425.255},{"sentences":[{"text":"So, Sergio, this is for you.","start":2425.255,"end":2426.6948,"sentiment":"neutral","sentiment_score":0.16350902616977692},{"text":"This is essentially with regards to your super recommendation.","start":2426.6948,"end":2429.275,"sentiment":"neutral","sentiment_score":0.15559831178850597},{"text":"I did have a look at your super as well as all the other ones out there and the investments.","start":2430.2148,"end":2434.7148,"sentiment":"neutral","sentiment_score":0.1841387026011944},{"text":"Again, I am recommending you retain Hub 24.","start":2434.93,"end":2437.67,"sentiment":"neutral","sentiment_score":0.1908063031733036},{"text":"One of the good things about with Hub 24 is the two of you are linked in the back end, so it helps to mitigate other fees as well, and you have the aggregation behind you.","start":2437.73,"end":2446.37,"sentiment":"neutral","sentiment_score":0.3120439743830098}],"sentiment":"neutral","sentiment_score":0.2382816014976441,"num_words":79,"start":2425.255,"end":2446.37},{"sentences":[{"text":"So it helps to lower the admin fees where possible, which is good.","start":2446.37,"end":2449.91,"sentiment":"positive","sentiment_score":0.384385354243792},{"text":"Hub 24 does still work in your advantage because it does give you a lot of different investment options there.","start":2450.645,"end":2455.945,"sentiment":"positive","sentiment_score":0.35220230370759964},{"text":"If I can get you to scroll down for me to page number 41, I can take you through your projection side of things.","start":2456.085,"end":2462.425,"sentiment":"neutral","sentiment_score":0.1410228085393707},{"text":"Beautiful.","start":2466.57,"end":2467.07,"sentiment":"neutral","sentiment_score":0.1237853467464447},{"text":"Now the the table shows your current balance sitting at 4 at 74,562 with your admin fees, investment fees, the ongoing service fee for us looking after everything, your contributions going in, and your insurance premiums coming out there.","start":2467.6099,"end":2482.755,"sentiment":"neutral","sentiment_score":0.08095091820145264}],"sentiment":"neutral","sentiment_score":0.1928502499058689,"num_words":97,"start":2446.37,"end":2482.755},{"sentences":[{"text":"And you're in that high growth environment.","start":2482.755,"end":2484.615,"sentiment":"neutral","sentiment_score":0.021510438195296695},{"text":"You sort of talked about how you're both in those different risk profiles and how, Angela, you are comfortable being more growth, and, Sergio, you wanna take a bit more risk because your balance is lower.","start":2484.755,"end":2493.81,"sentiment":"neutral","sentiment_score":0.0011818763903445667},{"text":"You wanted to sort of have things working a bit harder.","start":2493.81,"end":2496.21,"sentiment":"neutral","sentiment_score":-0.1182156272909858},{"text":"So you remind that high growth environment, which is a 10% split between growth to defensive investment.","start":2496.21,"end":2503.35,"sentiment":"neutral","sentiment_score":-0.009792492122334592},{"text":"When I went back and had a look at how your current portfolio is performing, you've got some underperforming investments in there, and it's averaged about 4.28%.","start":2503.925,"end":2512.165,"sentiment":"neutral","sentiment_score":-0.13432710810943885}],"sentiment":"neutral","sentiment_score":-0.05000566905934592,"num_words":98,"start":2482.755,"end":2512.165},{"sentences":[{"text":"I was definitely not impressed with that.","start":2512.165,"end":2514.105,"sentiment":"negative","sentiment_score":-0.7104412657873971},{"text":"So I wanted to go back and remove those investments out of there for you and update your portfolio to make sure it is working a bit harder.","start":2514.325,"end":2521.49,"sentiment":"neutral","sentiment_score":-0.22393894780959403},{"text":"The good thing I was able to work out was by by switching those investments, you'll see in the differences column, there's no fee there.","start":2522.11,"end":2530.69,"sentiment":"neutral","sentiment_score":0.21349438697099685},{"text":"I was able to make sure that any underperforming investments were offsetting any capital gains.","start":2530.9102,"end":2536.935,"sentiment":"neutral","sentiment_score":0.15631924271583558},{"text":"So to switch your investments around, there's no capital gains effect for your super.","start":2537.315,"end":2541.975,"sentiment":"neutral","sentiment_score":0.06662816634135586}],"sentiment":"neutral","sentiment_score":-0.02953299725156152,"num_words":89,"start":2512.165,"end":2541.975},{"sentences":[{"text":"Yeah.","start":2545.475,"end":2545.975,"sentiment":"neutral","sentiment_score":0.1465190351009369},{"text":"Yeah.","start":2547.15,"end":2547.65,"sentiment":"neutral","sentiment_score":0.24144592881202695},{"text":"It's good.","start":2548.1099,"end":2549.01,"sentiment":"positive","sentiment_score":0.4263363778591156},{"text":"It means the balance stays the same.","start":2549.23,"end":2551.3298,"sentiment":"positive","sentiment_score":0.345985221011298},{"text":"When you do have capital gains, and sometimes it's unavoidable.","start":2551.95,"end":2554.93,"sentiment":"neutral","sentiment_score":0.13018231317400933}],"sentiment":"neutral","sentiment_score":0.23639797135477975,"num_words":21,"start":2545.475,"end":2554.93},{"sentences":[{"text":"Like with yours, Angela, I tried to mitigate it as much as possible, but we just couldn't get it any lower whilst making sure things work a bit harder.","start":2555.23,"end":2562.5552,"sentiment":"neutral","sentiment_score":0.06440951797211993},{"text":"But, essentially, with the capital gains, once that switch happens, that capital gains is essentially paid for or deducted.","start":2563.095,"end":2570.395,"sentiment":"neutral","sentiment_score":0.06344332761670414},{"text":"So it does affect you.","start":2570.455,"end":2571.735,"sentiment":"neutral","sentiment_score":0.06433410346508026},{"text":"The recommended balance will change that.","start":2571.735,"end":2573.8152,"sentiment":"neutral","sentiment_score":0.09377946456273396},{"text":"So so, yeah, because yours has no capital gains, your super balance for the recommended column is exactly the same as it currently is, which is good.","start":2573.8152,"end":2581.97,"sentiment":"positive","sentiment_score":0.39616060063794806}],"sentiment":"neutral","sentiment_score":0.1703951484632007,"num_words":86,"start":2555.23,"end":2581.97},{"sentences":[{"text":"Your investment yeah.","start":2583.23,"end":2585.57,"sentiment":"neutral","sentiment_score":0.2095221628745397},{"text":"Your investment fees stay the same, but I was all sorry.","start":2585.87,"end":2589.3552,"sentiment":"neutral","sentiment_score":0.15927766398950058},{"text":"Your admin fees stay the same.","start":2589.3552,"end":2590.715,"sentiment":"neutral","sentiment_score":0.11830106005072594},{"text":"Sorry.","start":2590.715,"end":2591.215,"sentiment":"neutral","sentiment_score":0.20282241702079773},{"text":"But I was able to help lower your investment portfolio cost as well.","start":2591.5151,"end":2595.8352,"sentiment":"positive","sentiment_score":0.43407188012049747}],"sentiment":"neutral","sentiment_score":0.26282894151175723,"num_words":34,"start":2583.23,"end":2595.8352},{"sentences":[{"text":"So instead of paying $540 a year, I can reduce your investment fees to $234.","start":2595.8352,"end":2602.92,"sentiment":"positive","sentiment_score":0.33929305771986645},{"text":"It saves your it saves you or your super $306 per year in investment fees, which is a positive.","start":2602.92,"end":2609.26,"sentiment":"positive","sentiment_score":0.6111685414063303},{"text":"The ongoing service fee does increase just slightly because we account for growth by $23 for the year, very minimal, which is good.","start":2613.4148,"end":2622.1348,"sentiment":"positive","sentiment_score":0.43425806579382525},{"text":"Your contribution stay the same, and there's no change to your insurance because you were happy with them, so the premiums remain the same there as well.","start":2622.1348,"end":2629.97,"sentiment":"positive","sentiment_score":0.4856436120139228},{"text":"The other thing I do like about this high growth portfolio for you, it has a much greater past performance.","start":2630.51,"end":2636.29,"sentiment":"positive","sentiment_score":0.46352722197771073}],"sentiment":"positive","sentiment_score":0.4718505349010229,"num_words":104,"start":2595.8352,"end":2636.29},{"sentences":[{"text":"Over the past five years, it's averaged 10.83%.","start":2636.4302,"end":2640.05,"sentiment":"positive","sentiment_score":0.3553045392036438},{"text":"So if this portfolio can obtain what it has and keep in mind, you can see on the next page, over the next five to ten years, your super balance could grow pretty significantly.","start":2640.3052,"end":2650.0852,"sentiment":"positive","sentiment_score":0.4214027497698279},{"text":"Can you see that down the next page?","start":2656.48,"end":2658.32,"sentiment":"neutral","sentiment_score":0.01615292567294091},{"text":"Yes.","start":2658.32,"end":2658.72,"sentiment":"neutral","sentiment_score":0.02059093117713928},{"text":"Sorry.","start":2658.72,"end":2659.22,"sentiment":"neutral","sentiment_score":0.012909041717648506}],"sentiment":"positive","sentiment_score":0.3333240996938772,"num_words":52,"start":2636.4302,"end":2659.22},{"sentences":[{"text":"Yeah.","start":2662.72,"end":2663.22,"sentiment":"neutral","sentiment_score":0.06101979315280914},{"text":"Yeah.","start":2664.56,"end":2665.06,"sentiment":"neutral","sentiment_score":0.10876739025115968},{"text":"So in in the newer portfolio over the next five years, you could end up with a 119,000 or over the next ten years sitting at a 180,000 there as well.","start":2665.375,"end":2674.975,"sentiment":"neutral","sentiment_score":0.1902010186064628},{"text":"And this is just a starting point.","start":2674.975,"end":2676.735,"sentiment":"neutral","sentiment_score":0.13973139971494675},{"text":"So the same as with yourself, Angela, we can look at down the track additional contributions to help provide us a benefit there.","start":2676.735,"end":2683.5,"sentiment":"neutral","sentiment_score":0.18159568892872852}],"sentiment":"neutral","sentiment_score":0.17810856196142377,"num_words":63,"start":2662.72,"end":2683.5},{"sentences":[{"text":"If you guys the income increases, that means that the the contributions going in will automatically increase there as well.","start":2683.72,"end":2690.1199,"sentiment":"neutral","sentiment_score":0.20656595304608344},{"text":"So there's other things that we can do to build on this.","start":2690.1199,"end":2692.8599,"sentiment":"neutral","sentiment_score":0.20047889898220697},{"text":"It's just about looking at where we're tracking now with these recommendations.","start":2692.92,"end":2695.98,"sentiment":"neutral","sentiment_score":0.06459272745996714},{"text":"Okay.","start":2696.955,"end":2697.455,"sentiment":"neutral","sentiment_score":0.0998544842004776},{"text":"Excellent.","start":2703.0352,"end":2703.5352,"sentiment":"positive","sentiment_score":0.46552324295043945}],"sentiment":"neutral","sentiment_score":0.1712512240299712,"num_words":46,"start":2683.72,"end":2703.5352},{"sentences":[{"text":"Now if you go down to the next page, that's the page that's gonna have the changes to be made to your super with regards to the investment plan.","start":2703.675,"end":2712.655,"sentiment":"neutral","sentiment_score":0.13542659143949376},{"text":"Yes.","start":2721.7,"end":2721.94,"sentiment":"neutral","sentiment_score":0.1493503451347351},{"text":"Beautiful.","start":2721.94,"end":2722.44,"sentiment":"neutral","sentiment_score":0.3192442059516907},{"text":"Yeah.","start":2723.5398,"end":2724.0398,"sentiment":"neutral","sentiment_score":0.07222799211740494},{"text":"So just sort of running through these, and I said, yeah, your portfolio was a bit older than Angela's was, so there was definitely a few more investments to look at maybe switching out for you.","start":2724.26,"end":2733.375,"sentiment":"neutral","sentiment_score":0.06801862559384769}],"sentiment":"neutral","sentiment_score":0.10171859141658335,"num_words":68,"start":2703.675,"end":2733.375},{"sentences":[{"text":"But we've also got at the top there the Benelon Australian equities.","start":2734.075,"end":2737.455,"sentiment":"neutral","sentiment_score":0.060944508761167526},{"text":"That was the one that we discussed last time was underperforming pretty heavily.","start":2737.515,"end":2741.135,"sentiment":"negative","sentiment_score":-0.3790865574891751},{"text":"We're gonna knock that straight out of your portfolio and take it down to zero, so remove that completely.","start":2741.435,"end":2746.76,"sentiment":"negative","sentiment_score":-0.49506667099500956},{"text":"You've also got the Vanguard diversified index.","start":2747.78,"end":2750.5798,"sentiment":"neutral","sentiment_score":-0.17225346288510732},{"text":"That one there has also not been performing as well as it should have been, so we are removing that completely from your portfolio.","start":2750.5798,"end":2756.8398,"sentiment":"neutral","sentiment_score":-0.3131133833279212}],"sentiment":"neutral","sentiment_score":-0.2976473777492841,"num_words":75,"start":2734.075,"end":2756.8398},{"sentences":[{"text":"You've also got that cybersecurity.","start":2758.185,"end":2759.885,"sentiment":"neutral","sentiment_score":-0.023361020535230637},{"text":"You both have this investment.","start":2760.5051,"end":2761.885,"sentiment":"neutral","sentiment_score":0.03128117546439171},{"text":"It's giving you access to global cybersecurity, and it's essentially also giving you access to some tech as well.","start":2761.945,"end":2768.685,"sentiment":"neutral","sentiment_score":0.1691388017252872},{"text":"We are keeping that in the portfolio.","start":2768.985,"end":2770.685,"sentiment":"neutral","sentiment_score":0.08437979168125562},{"text":"There is still a place and some growth to obtain from that one.","start":2770.745,"end":2774.51,"sentiment":"neutral","sentiment_score":0.032630772258226685}],"sentiment":"neutral","sentiment_score":0.08710401201126527,"num_words":49,"start":2758.185,"end":2774.51},{"sentences":[{"text":"You're a bit underweight at the moment.","start":2774.8901,"end":2776.49,"sentiment":"neutral","sentiment_score":-0.3200653748852866},{"text":"You wanna hold 7%.","start":2776.49,"end":2777.9302,"sentiment":"neutral","sentiment_score":-0.2243577353656292},{"text":"You're sitting at about 6.35, so we're gonna buy a little bit more of that investment for you.","start":2777.9302,"end":2782.99,"sentiment":"neutral","sentiment_score":-0.09575681015849113},{"text":"We've also got the battery and lithium tech.","start":2784.6501,"end":2786.715,"sentiment":"neutral","sentiment_score":0.018867402337491512},{"text":"We are holding tech in other areas.","start":2786.715,"end":2788.7952,"sentiment":"neutral","sentiment_score":0.014875993132591248}],"sentiment":"neutral","sentiment_score":-0.10469181767918846,"num_words":44,"start":2774.8901,"end":2788.7952},{"sentences":[{"text":"So battery and lithium and the one below that, the the MorningStar Global tech, they are gonna be removed out of your portfolio.","start":2788.7952,"end":2795.935,"sentiment":"neutral","sentiment_score":-0.04630759366504524},{"text":"They have done really well, but we can still hold tech in other ways, and it makes the portfolio cheaper for you as well.","start":2796.235,"end":2803.08,"sentiment":"neutral","sentiment_score":0.17377319668109217},{"text":"Underneath that, you've got the iShares Europe investment.","start":2806.58,"end":2809.4,"sentiment":"neutral","sentiment_score":0.01707174419425428},{"text":"That one is coming out of there as well.","start":2809.54,"end":2811.62,"sentiment":"neutral","sentiment_score":0.04488779811395539},{"text":"We'll still hold exposure to it.","start":2811.62,"end":2813.46,"sentiment":"neutral","sentiment_score":0.04789999624093374}],"sentiment":"neutral","sentiment_score":0.05619208828679153,"num_words":70,"start":2788.7952,"end":2813.46},{"sentences":[{"text":"We just don't need to hold that investment.","start":2813.46,"end":2815.4,"sentiment":"neutral","sentiment_score":0.005009491695091128},{"text":"And then the s and p 500 is the one below that.","start":2817.095,"end":2820.375,"sentiment":"neutral","sentiment_score":0.048084868428607784},{"text":"That is, again, giving you access and exposure to the top 500 companies within The US.","start":2820.375,"end":2825.115,"sentiment":"neutral","sentiment_score":0.11021893774159253},{"text":"It is still a great place for the investment.","start":2825.255,"end":2827.1948,"sentiment":"neutral","sentiment_score":0.317570557196935},{"text":"It does see ups and downs, but you do see good growth in international equity.","start":2827.415,"end":2831.6301,"sentiment":"neutral","sentiment_score":0.19976433565219243}],"sentiment":"neutral","sentiment_score":0.1372532901354134,"num_words":60,"start":2813.46,"end":2831.6301},{"sentences":[{"text":"So we wanna keep 25% of this investment.","start":2831.6301,"end":2834.59,"sentiment":"neutral","sentiment_score":0.1376838688738644},{"text":"You are a bit overweighted.","start":2834.59,"end":2835.8901,"sentiment":"neutral","sentiment_score":-0.10604539513587952},{"text":"You currently hold 32.65 percent there.","start":2836.35,"end":2839.47,"sentiment":"neutral","sentiment_score":-0.11508318409323692},{"text":"We're gonna sell some of that and just rebalance your portfolio back to 25%.","start":2839.47,"end":2844.05,"sentiment":"neutral","sentiment_score":-0.05168323405086994},{"text":"You've also got the iShares Asia.","start":2846.795,"end":2848.9548,"sentiment":"neutral","sentiment_score":-0.013773333902160326}],"sentiment":"neutral","sentiment_score":-0.023729754086488333,"num_words":39,"start":2831.6301,"end":2848.9548},{"sentences":[{"text":"We are removing that completely from the portfolio.","start":2848.9548,"end":2851.615,"sentiment":"neutral","sentiment_score":-0.14713320322334766},{"text":"It's kinda underperforming a little bit.","start":2851.6748,"end":2853.595,"sentiment":"neutral","sentiment_score":-0.3064132233460744},{"text":"It has been great over the past few years, but it is time to remove it out to replace that and still give you exposure.","start":2853.595,"end":2859.295,"sentiment":"neutral","sentiment_score":-0.06928694322705269},{"text":"And then the Van Eck China new economy.","start":2861.19,"end":2864.33,"sentiment":"neutral","sentiment_score":0.0022229852620512247},{"text":"This investment you had about 2% off, it hasn't been performing.","start":2864.71,"end":2868.25,"sentiment":"neutral","sentiment_score":-0.22642188383774323}],"sentiment":"neutral","sentiment_score":-0.12449267908031571,"num_words":58,"start":2848.9548,"end":2868.25},{"sentences":[{"text":"China really didn't do what it was supposed to, and there's still quite some high tensions there as well.","start":2868.47,"end":2873.03,"sentiment":"negative","sentiment_score":-0.5185762157565669},{"text":"So we are just gonna remove that from the portfolio because there is a risk of it underperforming better than what it already has.","start":2873.03,"end":2880.835,"sentiment":"negative","sentiment_score":-0.4928015594681104},{"text":"Okay.","start":2881.135,"end":2881.635,"sentiment":"neutral","sentiment_score":-0.05183957889676094},{"text":"Underneath that, where we're gonna buy into replace some of those ones that we're removing, we'll give you exposure to the India quality ETF.","start":2884.4148,"end":2892.7,"sentiment":"neutral","sentiment_score":0.01354279303147147},{"text":"So India has been some really good growth.","start":2892.76,"end":2894.6802,"sentiment":"positive","sentiment_score":0.5155848488211632}],"sentiment":"neutral","sentiment_score":-0.2273989379234416,"num_words":76,"start":2868.47,"end":2894.6802},{"sentences":[{"text":"You wanna see more growth there, and we can see growth coming.","start":2894.6802,"end":2897.74,"sentiment":"positive","sentiment_score":0.4151384010910988},{"text":"So we'll see about 7% of that investment there for you.","start":2898.12,"end":2901.58,"sentiment":"neutral","sentiment_score":0.31333111226558685},{"text":"Underneath that, you've got global health care.","start":2902.205,"end":2904.125,"sentiment":"neutral","sentiment_score":0.1348319910466671},{"text":"They're giving you access and exposure to the health care sector globally, and we wanna hold 7% in that investment.","start":2904.125,"end":2911.025,"sentiment":"neutral","sentiment_score":0.1754554234445095},{"text":"We have seen some good growth, wanna see good growth moving forward, and this is giving you exposure to health care in general, but also the tech side of things.","start":2911.085,"end":2918.94,"sentiment":"positive","sentiment_score":0.3590711494286855}],"sentiment":"neutral","sentiment_score":0.2956671242136508,"num_words":80,"start":2894.6802,"end":2918.94},{"sentences":[{"text":"And there's a lot of changes coming within that space, so it is good to have that invested in your portfolio.","start":2918.94,"end":2924.5598,"sentiment":"neutral","sentiment_score":0.2783228038322358},{"text":"You will also see underneath that the beta shares Rafi of Australia two hundred.","start":2926.6199,"end":2930.955,"sentiment":"neutral","sentiment_score":0.14083667578441755},{"text":"So this is giving you some exposure into the Australian market.","start":2930.955,"end":2935.8352,"sentiment":"neutral","sentiment_score":0.17752500962127338},{"text":"We are holding that investment at about 15% for your portfolio.","start":2935.8352,"end":2939.8552,"sentiment":"neutral","sentiment_score":0.1509219448674809},{"text":"And to give you some more exposure to the Australian market, we're also holding underneath that the a 200.","start":2940.235,"end":2945.88,"sentiment":"neutral","sentiment_score":0.07438653923178974}],"sentiment":"neutral","sentiment_score":0.16898359323998816,"num_words":76,"start":2918.94,"end":2945.88},{"sentences":[{"text":"So these two investments are giving you exposure to essentially some of the top technically 400 companies on the ASX.","start":2946.0398,"end":2953.8198,"sentiment":"neutral","sentiment_score":0.1400016091763973},{"text":"It's not necessarily buying the same country companies.","start":2953.88,"end":2957.0798,"sentiment":"neutral","sentiment_score":-0.016402949579060078},{"text":"It weights differently depending on, you know, what companies fit the two portfolios, which is great.","start":2957.0798,"end":2963.2651,"sentiment":"neutral","sentiment_score":0.11474398453719914},{"text":"So it's not holding the same companies over and overexposing you in any way.","start":2963.2651,"end":2967.605,"sentiment":"neutral","sentiment_score":-0.0025720300951174307},{"text":"Together, they will be about 25% of your portfolio, Sergio, and it's about looking at making sure we're getting some Australian exposure because Australia does provide and has provided some good growth, not as much as international equities, but we still need to hold some Australian companies.","start":2968.065,"end":2984.26,"sentiment":"neutral","sentiment_score":0.21721081705169476}],"sentiment":"neutral","sentiment_score":0.1397867839960825,"num_words":105,"start":2946.0398,"end":2984.26},{"sentences":[{"text":"They do provide good good growth and exposure there for you.","start":2984.26,"end":2988.185,"sentiment":"positive","sentiment_score":0.5092944557016547},{"text":"Okay?","start":2988.185,"end":2988.685,"sentiment":"neutral","sentiment_score":0.10129307210445404},{"text":"Underneath, we also have that day reg, the JT Morgan Global where you said enhanced equity funds.","start":2991.225,"end":2996.2651,"sentiment":"neutral","sentiment_score":0.09468281838823767},{"text":"So one of the things that you both were comfortable with was having a little bit of active management here.","start":2996.2651,"end":3001.085,"sentiment":"neutral","sentiment_score":0.23542740941047668},{"text":"So with this portfolio, with this investment, it does it's a it's a passively managed fund, but it has a small active component, which is great.","start":3001.27,"end":3009.53,"sentiment":"positive","sentiment_score":0.43915431316082293}],"sentiment":"neutral","sentiment_score":0.3125293377041817,"num_words":75,"start":2984.26,"end":3009.53},{"sentences":[{"text":"So it's a cheap investment to hold, and it has some active management.","start":3009.6702,"end":3013.35,"sentiment":"positive","sentiment_score":0.6038031073716971},{"text":"It utilizes JPMorgan's research team to pick and choose areas of growth, and they add additional investments in utilizing that.","start":3013.35,"end":3020.965,"sentiment":"positive","sentiment_score":0.3644614316523075},{"text":"It's also global, so it's also giving you great diversification.","start":3020.965,"end":3024.425,"sentiment":"positive","sentiment_score":0.5660536080598831},{"text":"As much as you're in that high growth environment, we still want to see that ninety ten split and take a bit more risk to get returns.","start":3024.965,"end":3031.92,"sentiment":"neutral","sentiment_score":0.13583055566306468},{"text":"But where we can humanly possible mitigate risk, we wanna also look at doing that.","start":3032.38,"end":3037.0999,"sentiment":"neutral","sentiment_score":0.16179933647314707}],"sentiment":"neutral","sentiment_score":0.31639553128796466,"num_words":85,"start":3009.6702,"end":3037.0999},{"sentences":[{"text":"So diversification is one of the best ways to mitigate market risk and spreading that risk level across different asset classes, different countries, and also different areas of investment.","start":3037.0999,"end":3047.815,"sentiment":"neutral","sentiment_score":0.27035733749126567},{"text":"So that's one of the good things we do wanna have in here, and this investment has been some really good growth as well.","start":3047.815,"end":3053.895,"sentiment":"positive","sentiment_score":0.6304574323197206},{"text":"Okay.","start":3053.895,"end":3054.395,"sentiment":"neutral","sentiment_score":0.14502234756946564},{"text":"Underneath that, which kinda goes on to the next page a little, you've got your physical gold.","start":3057.07,"end":3062.05,"sentiment":"neutral","sentiment_score":0.07616077955154811},{"text":"Physical gold has been really good growth.","start":3062.1099,"end":3064.43,"sentiment":"positive","sentiment_score":0.36074050409453257}],"sentiment":"positive","sentiment_score":0.34533692681445527,"num_words":78,"start":3037.0999,"end":3064.43},{"sentences":[{"text":"We still expect it to.","start":3064.43,"end":3065.89,"sentiment":"neutral","sentiment_score":0.2393103539943695},{"text":"We wanna hold 7% in your portfolio.","start":3066.3499,"end":3069.0898,"sentiment":"neutral","sentiment_score":0.12017436219113213},{"text":"We'll have physical physical gold in both your portfolios, essentially.","start":3069.39,"end":3072.5552,"sentiment":"neutral","sentiment_score":0.10969309881329536},{"text":"One of the good things is physical gold is a growth investment.","start":3074.0552,"end":3076.715,"sentiment":"neutral","sentiment_score":0.3267548916240533},{"text":"It does see fantastic growth, but it is also a defensive investment at times because if you think back to the GFC or when markets or equities don't perform as well, people move money into physical gold as a bit of a safe haven.","start":3076.7751,"end":3089.49,"sentiment":"neutral","sentiment_score":0.27084858613935386}],"sentiment":"neutral","sentiment_score":0.24324486901362738,"num_words":78,"start":3064.43,"end":3089.49},{"sentences":[{"text":"So it's a growth asset that can act defensively when it needs to as well, and we all love a bit of physical gold.","start":3089.49,"end":3096.37,"sentiment":"positive","sentiment_score":0.36470866451660794},{"text":"So holding 7% in your portfolio is good.","start":3096.37,"end":3099.225,"sentiment":"neutral","sentiment_score":0.3047358952462673},{"text":"And then you've also got core composite bonds.","start":3100.105,"end":3102.665,"sentiment":"neutral","sentiment_score":0.17460065707564354},{"text":"This is giving you exposure to both government and corporate funds.","start":3102.665,"end":3106.5251,"sentiment":"neutral","sentiment_score":0.17521956021135504},{"text":"It's essentially holding about 7%.","start":3106.985,"end":3109.405,"sentiment":"neutral","sentiment_score":0.11751717925071717}],"sentiment":"neutral","sentiment_score":0.2696910968848637,"num_words":56,"start":3089.49,"end":3109.405},{"sentences":[{"text":"This newer portfolio, when you both sort of have a look, it's the same portfolio for the both of you.","start":3110.105,"end":3115.1802,"sentiment":"neutral","sentiment_score":0.19239211082458496},{"text":"It's just basically in different weighting.","start":3115.1802,"end":3117.12,"sentiment":"neutral","sentiment_score":0.11841074004769325},{"text":"And, Angela, you also have a little bit more defensive.","start":3117.4202,"end":3119.84,"sentiment":"neutral","sentiment_score":0.12455092519521713},{"text":"So you've got the iShares yield plus.","start":3119.9802,"end":3121.9802,"sentiment":"neutral","sentiment_score":0.06087976374796459},{"text":"So this is the different weighting giving you so you get more high growth for the asset allocation, other making sure that you're, you know, looking at a good diversified portfolio that's low cost, has shown good past performance, and looking to mitigate as much CGT to change the portfolio as possible.","start":3121.9802,"end":3139.855,"sentiment":"neutral","sentiment_score":0.29107583170899975}],"sentiment":"neutral","sentiment_score":0.2249043947771976,"num_words":95,"start":3110.105,"end":3139.855},{"sentences":[{"text":"Does that make sense?","start":3140.075,"end":3140.9548,"sentiment":"neutral","sentiment_score":0.16473353281617165},{"text":"Do you have any questions about this at all?","start":3140.9548,"end":3143.25,"sentiment":"neutral","sentiment_score":0.02521445353825887},{"text":"Beautiful.","start":3147.01,"end":3147.51,"sentiment":"positive","sentiment_score":0.4248678684234619},{"text":"Excellent.","start":3147.73,"end":3148.23,"sentiment":"positive","sentiment_score":0.4346544146537781},{"text":"If you scroll down for me to page number 46, this here is just recommending that we retain your life, your CPD, and your income protection within within a center.","start":3150.13,"end":3160.535,"sentiment":"neutral","sentiment_score":0.12343607445557912}],"sentiment":"neutral","sentiment_score":0.12107708288563622,"num_words":45,"start":3140.075,"end":3160.535},{"sentences":[{"text":"Just keeping as is, you may mention that you were comfortable with the level of cover you have between your life, your TPD, and your income protection level is as per your current income.","start":3160.9949,"end":3171.095,"sentiment":"neutral","sentiment_score":0.12101692180423175},{"text":"So it does work and is at the right level there.","start":3171.155,"end":3174.42,"sentiment":"positive","sentiment_score":0.3447861671447754},{"text":"So we're recommending to retain that exactly as it is, and we'll just make sure that moving forward, we do, you know, reevaluate those levels of cover with you and make alterations as they needed.","start":3174.42,"end":3185.24,"sentiment":"neutral","sentiment_score":0.11283461792128427},{"text":"Okay?","start":3185.54,"end":3186.04,"sentiment":"neutral","sentiment_score":0.06021750718355179},{"text":"Beautiful.","start":3189.105,"end":3189.605,"sentiment":"positive","sentiment_score":0.3842365741729736}],"sentiment":"neutral","sentiment_score":0.15001084010412052,"num_words":82,"start":3160.9949,"end":3189.605},{"sentences":[{"text":"Down on page number 48, I also have that same projected table that shows you the effect of having insurances paid out of super on your on your super balance over the next five to ten years.","start":3190.545,"end":3206.25,"sentiment":"neutral","sentiment_score":0.06061845937290707},{"text":"Beautiful.","start":3208.95,"end":3209.45,"sentiment":"neutral","sentiment_score":0.18586185574531555},{"text":"So you'll see here with this under the outcome there, you've got your current table that shows your current portfolio, your current projected outcome, current fees, and then the recommended is the recommended side of the above table again.","start":3209.59,"end":3221.675,"sentiment":"neutral","sentiment_score":0.10702870365900871},{"text":"So retaining your current insurance premium, but the new portfolio projected over the next five to ten years.","start":3221.675,"end":3227.8552,"sentiment":"neutral","sentiment_score":0.05480715860095289},{"text":"The last column shows the same recommended for newer portfolio projected.","start":3228.0752,"end":3232.5752,"sentiment":"neutral","sentiment_score":0.05392343144525181}],"sentiment":"neutral","sentiment_score":0.077193876376973,"num_words":106,"start":3190.545,"end":3232.5752},{"sentences":[{"text":"However, if you did not pay any insurances out of your super fund.","start":3233.3,"end":3236.98,"sentiment":"neutral","sentiment_score":-0.027674076075737294},{"text":"So it's essentially showing you with the recommended over the next five to ten years, we understand that insurance premiums have an impact on your balance, and this shows you that impact over the next five to ten years based on the recommended side of the table.","start":3236.98,"end":3252.345,"sentiment":"neutral","sentiment_score":0.040406213795885125},{"text":"Okay.","start":3252.565,"end":3253.065,"sentiment":"neutral","sentiment_score":0.08690991997718811},{"text":"Beautiful.","start":3256.0051,"end":3256.5051,"sentiment":"neutral","sentiment_score":0.32648923993110657},{"text":"From there, if I can get you to skip a few pages and go to page number 50, this is just looking at the beneficiary.","start":3258.82,"end":3265.88,"sentiment":"neutral","sentiment_score":0.09475545659661293}],"sentiment":"neutral","sentiment_score":0.04967373142811073,"num_words":87,"start":3233.3,"end":3265.88},{"sentences":[{"text":"Beautiful.","start":3272.225,"end":3272.725,"sentiment":"neutral","sentiment_score":0.0534493587911129},{"text":"So this is for the both of you just recommending that we realign your beneficiary nominations on your hub 20 four super and, Sergio, your ascender life insurance policy so that if in the event that one you passes away, your super benefit and your life insurance is paid to the other spouse.","start":3272.865,"end":3289.98,"sentiment":"neutral","sentiment_score":0.2933276665379416},{"text":"That allows you then to keep paying down debts and covering bills and things like that.","start":3290.12,"end":3294.7,"sentiment":"positive","sentiment_score":0.46439833007752895},{"text":"And then if you scroll down even lower, we've got the recommendation to speak to a solicitor and have a will and power of attorney drawn up.","start":3295.0,"end":3303.815,"sentiment":"neutral","sentiment_score":0.22785831767099876},{"text":"And these essentially allow you to then account for the other side of it where if something happens to the both of you, that how would that money be held in trust to your kids, how would it be paid out, what you wanted to have it you know, what percentage you want to have it paid out in, and how you wanted that to work.","start":3303.815,"end":3321.8499,"sentiment":"neutral","sentiment_score":0.3213760331273079}],"sentiment":"neutral","sentiment_score":0.3091606241108084,"num_words":163,"start":3272.225,"end":3321.8499},{"sentences":[{"text":"So it's yeah.","start":3322.0698,"end":3323.03,"sentiment":"neutral","sentiment_score":0.2351744125286738},{"text":"So, essentially, you'll see for beneficiaries cover if one of you was passed away, and then the contingency is placed in a will and having that done through a qualified solicitor can help you to make sure that those are up to date, correct, and reflective of your wishes.","start":3323.03,"end":3338.385,"sentiment":"neutral","sentiment_score":0.27376451282476894},{"text":"Okay.","start":3338.845,"end":3339.345,"sentiment":"neutral","sentiment_score":0.16723692417144775},{"text":"Beautiful.","start":3341.46,"end":3341.96,"sentiment":"neutral","sentiment_score":0.2153317630290985},{"text":"Oh, that's that's absolutely fine.","start":3345.06,"end":3348.1199,"sentiment":"neutral","sentiment_score":0.13290427029132842}],"sentiment":"neutral","sentiment_score":0.25706905770604893,"num_words":59,"start":3322.0698,"end":3348.1199},{"sentences":[{"text":"That's not a problem at all.","start":3350.42,"end":3352.44,"sentiment":"neutral","sentiment_score":0.2596133550008138},{"text":"Angela, if I can get you to scroll down to page number 59 for me, the last little things I need to show you are just the remuneration side of things.","start":3353.14,"end":3361.065,"sentiment":"neutral","sentiment_score":0.13327595747766957},{"text":"Oh, I'm so sorry.","start":3369.56,"end":3381.9,"sentiment":"neutral","sentiment_score":0.002932896837592125},{"text":"Beautiful.","start":3383.0,"end":3383.5,"sentiment":"positive","sentiment_score":0.4846181273460388},{"text":"So this is the remuneration side of things.","start":3384.3052,"end":3386.385,"sentiment":"neutral","sentiment_score":0.3298141323029995}],"sentiment":"neutral","sentiment_score":0.17648195169866085,"num_words":50,"start":3350.42,"end":3386.385},{"sentences":[{"text":"Now there is no upfront cost for the advice.","start":3386.385,"end":3388.865,"sentiment":"neutral","sentiment_score":0.2779657261239158},{"text":"It's all part of you being an ongoing client, and we don't charge anything new for the advice pieces with relation to super or insurances.","start":3388.865,"end":3395.7651,"sentiment":"neutral","sentiment_score":0.2642105896025896},{"text":"It's all part of us working towards your goals and updating advice as appropriate and in and in your best interest.","start":3396.75,"end":3402.77,"sentiment":"neutral","sentiment_score":0.24655774235725403},{"text":"However, I do need to show you that with the insurances, we do receive ongoing remuneration.","start":3403.15,"end":3408.29,"sentiment":"neutral","sentiment_score":0.03871961426921189},{"text":"So if you do go ahead with the Clearview policy, we do receive remuneration from ClearView.","start":3408.75,"end":3414.495,"sentiment":"neutral","sentiment_score":0.12652067095041275}],"sentiment":"neutral","sentiment_score":0.19458061411719899,"num_words":87,"start":3386.385,"end":3414.495},{"sentences":[{"text":"Not paid by you.","start":3414.715,"end":3415.595,"sentiment":"neutral","sentiment_score":-0.017961235716938972},{"text":"It's from them.","start":3415.595,"end":3416.575,"sentiment":"neutral","sentiment_score":0.03858674534906944},{"text":"To us, we received 66% of the first year's premium and 22% that are ongoing after that.","start":3416.7952,"end":3422.975,"sentiment":"neutral","sentiment_score":0.11724181648562937},{"text":"So that is the two tables they're outlined, and it's also showing your ongoing service fee at the bottom.","start":3423.115,"end":3428.62,"sentiment":"neutral","sentiment_score":0.07841616153324905},{"text":"You currently are on that 1.10% structure with Sergio.","start":3428.84,"end":3432.86,"sentiment":"neutral","sentiment_score":0.06893553295069271}],"sentiment":"neutral","sentiment_score":0.07975678921390611,"num_words":52,"start":3414.715,"end":3432.86},{"sentences":[{"text":"Excellent.","start":3435.32,"end":3435.82,"sentiment":"positive","sentiment_score":0.6465974450111389},{"text":"And then on the next page, we've also got Sergio's ongoing remuneration.","start":3435.96,"end":3439.74,"sentiment":"neutral","sentiment_score":0.23431538914640745},{"text":"So his ascender or MLC, which is now a sender policy, is already enforced.","start":3440.52,"end":3445.605,"sentiment":"neutral","sentiment_score":0.16345927491784096},{"text":"So we just received 22% there ongoing of the premium.","start":3445.665,"end":3449.285,"sentiment":"neutral","sentiment_score":0.16321902647614478},{"text":"And, again, he's on that 1.10% for the fee structure for our ongoing services.","start":3449.665,"end":3454.885,"sentiment":"neutral","sentiment_score":0.08536488536213126}],"sentiment":"neutral","sentiment_score":0.16811981614606053,"num_words":51,"start":3435.32,"end":3454.885},{"sentences":[{"text":"I just like to make sure I go through that with you and show you.","start":3455.7,"end":3458.92,"sentiment":"neutral","sentiment_score":0.18364236454168956},{"text":"The recommendation for the Clearview policy isn't for me, it's not about the remuneration side of things.","start":3459.6199,"end":3465.46,"sentiment":"neutral","sentiment_score":0.04239018360043273},{"text":"I like to be upfront and honest with you about what we receive and how that works, But the recommendation has been produced in line with your goals to make sure that you're able to essentially claim an amount that covers that helps to provide for expenses in the event that you're off work due to illness or injury, and the recommendation is there for you to review.","start":3465.46,"end":3486.97,"sentiment":"neutral","sentiment_score":0.21814761146464767},{"text":"I've also gotten the appendices, the difference, the alternative, where if you're happy to take a lower amount of income protection, that the cost could also be lower, and it has a much smaller effect on your super as well.","start":3486.97,"end":3499.905,"sentiment":"neutral","sentiment_score":0.22420895416289569},{"text":"So we outline the recommendations, the advantages, the disadvantages, and the risks involved, and I show you and honest with you about all of that, and then you get to decide what you're comfortable taking it.","start":3500.385,"end":3511.365,"sentiment":"neutral","sentiment_score":0.24364479900234276}],"sentiment":"neutral","sentiment_score":0.20482316533823244,"num_words":176,"start":3455.7,"end":3511.365},{"sentences":[{"text":"If you decide not to take the Clearview policy, that is absolutely fine.","start":3511.665,"end":3515.32,"sentiment":"neutral","sentiment_score":0.1029207339653602},{"text":"It's just gonna be what you're comfortable with, and I'll show you how the advice works and how we meet your goals to to kinda get you to that point.","start":3515.32,"end":3523.0999,"sentiment":"positive","sentiment_score":0.39709860384464263},{"text":"Okay?","start":3523.16,"end":3523.66,"sentiment":"neutral","sentiment_score":0.23452070355415344},{"text":"Excellent.","start":3526.1948,"end":3526.6948,"sentiment":"positive","sentiment_score":0.724362850189209},{"text":"Once you've kinda gone through that, if you are happy to proceed, on the very bottom page of that document and please take some time to read it through because I know it is absolutely a lot.","start":3527.2349,"end":3537.895,"sentiment":"neutral","sentiment_score":0.27474193194428004}],"sentiment":"neutral","sentiment_score":0.2972593011289108,"num_words":82,"start":3511.665,"end":3537.895},{"sentences":[{"text":"But on page six sixty four, we do have the signing section.","start":3538.4348,"end":3541.71,"sentiment":"neutral","sentiment_score":0.14957944055398306},{"text":"So once you've kinda gone through, you've had a good read of it and talked about it, if you decide to take all the advice, we get you to sign and return that back.","start":3541.71,"end":3549.25,"sentiment":"neutral","sentiment_score":0.22659461682333665},{"text":"If there is any part of the advice you don't wish to proceed with, you'll see those colored boxes at the top there.","start":3549.55,"end":3556.225,"sentiment":"neutral","sentiment_score":-0.025448078977996887},{"text":"Mine's saying multiline.","start":3556.225,"end":3557.445,"sentiment":"neutral","sentiment_score":-0.044073967883984246},{"text":"I'm not sure what yours say.","start":3557.7449,"end":3559.285,"sentiment":"neutral","sentiment_score":-0.06162143498659134}],"sentiment":"neutral","sentiment_score":0.10784505036635658,"num_words":78,"start":3538.4348,"end":3559.285},{"sentences":[{"text":"But you can always write in that box any area that you don't wish to proceed with.","start":3560.705,"end":3565.825,"sentiment":"neutral","sentiment_score":-0.06155529793571023},{"text":"So if you want to not take the ClearView policy, if you wanna take the one in the appendices and look at discovering 50% of your income, you just make a little note in that box there.","start":3565.825,"end":3576.4602,"sentiment":"neutral","sentiment_score":0.0174967854510288},{"text":"And when the document comes back to us, we check that, and we make sure we move forward in line with what you're comfortable with.","start":3576.4602,"end":3583.005,"sentiment":"neutral","sentiment_score":0.12640299111604691},{"text":"Does that make sense?","start":3583.005,"end":3585.1848,"sentiment":"neutral","sentiment_score":0.0967363640666008},{"text":"Yep.","start":3585.8848,"end":3586.3848,"sentiment":"positive","sentiment_score":0.46725258231163025}],"sentiment":"neutral","sentiment_score":0.04303825968166902,"num_words":84,"start":3560.705,"end":3586.3848},{"sentences":[{"text":"Beautiful.","start":3587.2449,"end":3587.7449,"sentiment":"positive","sentiment_score":0.6676989793777466},{"text":"And if you scroll back up there for me, just to page 63, this outlines how we will implement the advice if you decide to take it all on board.","start":3588.525,"end":3596.785,"sentiment":"neutral","sentiment_score":0.29325224459171295},{"text":"Essentially, step one is that you sign and return the document back.","start":3597.96,"end":3601.72,"sentiment":"neutral","sentiment_score":0.1772563544412454},{"text":"Step two is we'll do the investment switch for each of your supers first.","start":3601.72,"end":3605.5,"sentiment":"neutral","sentiment_score":0.17283719671624048},{"text":"We'll get those supers done and remove those underperforming investments, and then we'll book you in to go to the in the income protection increase application or the increase the application for your income protection.","start":3605.56,"end":3618.305,"sentiment":"neutral","sentiment_score":0.1544241068618638}],"sentiment":"neutral","sentiment_score":0.21105333765887696,"num_words":92,"start":3587.2449,"end":3618.305},{"sentences":[{"text":"That will go through the underwriting team, and we'll keep up to date with you to see how that's going as it is assessed.","start":3619.085,"end":3625.105,"sentiment":"neutral","sentiment_score":0.20671748525152603},{"text":"Then we also make sure we send out those beneficiary nominations so they can be signed, returned, and have those beneficiaries up to date.","start":3625.79,"end":3633.55,"sentiment":"neutral","sentiment_score":0.2537907203659415},{"text":"And then the last step is just making sure you speak to us, Lisa.","start":3633.55,"end":3637.63,"sentiment":"neutral","sentiment_score":0.04494918669973101},{"text":"We can refer you to one, or if there's one that local that you're comfortable talking to, then you can always make sure you text them.","start":3637.63,"end":3644.645,"sentiment":"neutral","sentiment_score":0.05541918992709655},{"text":"But just doing a pure will and power of attorney is the last step of the advice document.","start":3644.645,"end":3648.9048,"sentiment":"neutral","sentiment_score":0.05567296304636531}],"sentiment":"neutral","sentiment_score":0.13324997944862776,"num_words":106,"start":3619.085,"end":3648.9048},{"sentences":[{"text":"Okay.","start":3649.285,"end":3649.785,"sentiment":"neutral","sentiment_score":0.17998060584068298},{"text":"Beautiful.","start":3651.845,"end":3652.345,"sentiment":"positive","sentiment_score":0.6058306694030762},{"text":"Now I know there is a lot.","start":3652.4849,"end":3654.505,"sentiment":"neutral","sentiment_score":0.2726437619754246},{"text":"I'll let you guys go back and have a read through it.","start":3655.85,"end":3658.75,"sentiment":"neutral","sentiment_score":0.1559921521693468},{"text":"Let me know if you do happen to have any questions at all.","start":3659.45,"end":3662.6501,"sentiment":"neutral","sentiment_score":0.146529685992461}],"sentiment":"neutral","sentiment_score":0.1903267456766437,"num_words":34,"start":3649.285,"end":3662.6501},{"sentences":[{"text":"I know my team will definitely check-in to see if there's anything they can answer, and if you are happy to take the advice to get you signed and return it back.","start":3662.6501,"end":3671.145,"sentiment":"neutral","sentiment_score":0.20531514496542513},{"text":"Now I just need to let you know I am off for the next two weeks.","start":3671.545,"end":3675.385,"sentiment":"neutral","sentiment_score":0.020115619408898056},{"text":"I'm having a small break.","start":3675.385,"end":3676.845,"sentiment":"neutral","sentiment_score":-0.027725298330187796},{"text":"I will make sure that if I haven't heard from you beforehand that I do touch base, whether by email when I return on the twenty eighth.","start":3677.625,"end":3685.405,"sentiment":"neutral","sentiment_score":0.023272733169573324},{"text":"Just to see if you have any questions there.","start":3685.49,"end":3687.91,"sentiment":"neutral","sentiment_score":0.0184709324191014}],"sentiment":"neutral","sentiment_score":0.08480798028242052,"num_words":89,"start":3662.6501,"end":3687.91},{"sentences":[{"text":"But at the moment, is there anything that's kinda come up question wise that either of you can think of?","start":3688.6099,"end":3693.89,"sentiment":"neutral","sentiment_score":-0.006225340196397156},{"text":"Or Yeah.","start":3693.89,"end":3702.315,"sentiment":"neutral","sentiment_score":-0.007732459343969822},{"text":"Yeah.","start":3714.39,"end":3714.71,"sentiment":"neutral","sentiment_score":0.011017661541700363},{"text":"No.","start":3714.71,"end":3714.8699,"sentiment":"neutral","sentiment_score":0.0014920774847269058},{"text":"You're right.","start":3714.8699,"end":3715.27,"sentiment":"neutral","sentiment_score":0.02124201040714979}],"sentiment":"neutral","sentiment_score":-0.0032683831836598422,"num_words":26,"start":3688.6099,"end":3715.27},{"sentences":[{"text":"So there's no real deadline for you.","start":3715.27,"end":3716.95,"sentiment":"neutral","sentiment_score":-0.01729566071714674},{"text":"It's when you're comfortable to do so.","start":3716.95,"end":3719.05,"sentiment":"neutral","sentiment_score":0.006149847326534135},{"text":"If you're happy with the recommendations and wanna take them all on board, then we'll just need to sign and return it back as soon as possible.","start":3719.51,"end":3726.15,"sentiment":"neutral","sentiment_score":0.10966412543698593},{"text":"That would be great so we can implement everything for you and get the investments which is at least done.","start":3726.15,"end":3730.885,"sentiment":"neutral","sentiment_score":0.12494236454367638},{"text":"But if you wanna take a second to read it, you do actually have sixty days.","start":3731.345,"end":3735.185,"sentiment":"neutral","sentiment_score":0.11062319856137037}],"sentiment":"neutral","sentiment_score":0.09287959949246474,"num_words":77,"start":3715.27,"end":3735.185},{"sentences":[{"text":"The advice document is valid for sixty days.","start":3735.185,"end":3737.845,"sentiment":"neutral","sentiment_score":0.14481104165315628},{"text":"And as long as you sign and return back within that time frame, that's absolutely valid and fine.","start":3738.385,"end":3743.33,"sentiment":"neutral","sentiment_score":0.20129862758848402},{"text":"Okay.","start":3743.47,"end":3743.97,"sentiment":"neutral","sentiment_score":0.16590437293052673},{"text":"Beautiful.","start":3746.1902,"end":3746.6902,"sentiment":"positive","sentiment_score":0.7129273414611816},{"text":"Excellent.","start":3747.3901,"end":3747.8901,"sentiment":"positive","sentiment_score":0.4694204926490784}],"sentiment":"neutral","sentiment_score":0.21138330471926722,"num_words":29,"start":3735.185,"end":3747.8901},{"sentences":[{"text":"I know it's a lot, so I always make sure I give you guys chance to read it and take some time because I know it's a lot.","start":3748.03,"end":3754.845,"sentiment":"neutral","sentiment_score":0.18169697507151536},{"text":"But I really appreciate you allowing me to put this together.","start":3755.2449,"end":3758.125,"sentiment":"positive","sentiment_score":0.7833163440227509},{"text":"I've really enjoyed doing the research and putting it together and looking at ways that we can boost your super and make some changes, and there's this is just the starting point.","start":3758.125,"end":3767.005,"sentiment":"positive","sentiment_score":0.6762542119249701},{"text":"There's other things that we can do to kinda build on that down the track for you both as well.","start":3767.005,"end":3771.99,"sentiment":"positive","sentiment_score":0.5639086917042733},{"text":"Okay.","start":3772.05,"end":3772.55,"sentiment":"positive","sentiment_score":0.3609861731529236}],"sentiment":"positive","sentiment_score":0.5106879334248926,"num_words":92,"start":3748.03,"end":3772.55},{"sentences":[{"text":"That's not a problem at all.","start":3780.53,"end":3783.105,"sentiment":"positive","sentiment_score":0.6338399449984232},{"text":"I will let you go.","start":3783.105,"end":3784.0652,"sentiment":"positive","sentiment_score":0.6699209809303284},{"text":"I hope you both have a lovely evening and a wonderful weekend.","start":3784.0652,"end":3787.5251,"sentiment":"positive","sentiment_score":0.7998641828695933},{"text":"And if I don't hear anything back, I would touch base when I return on the September 28.","start":3788.465,"end":3792.965,"sentiment":"neutral","sentiment_score":0.14334223419427872},{"text":"Okay?","start":3793.37,"end":3793.87,"sentiment":"neutral","sentiment_score":0.18060703575611117}],"sentiment":"positive","sentiment_score":0.4645662385792959,"num_words":42,"start":3780.53,"end":3793.87},{"sentences":[{"text":"Oh, thank you so much, Angela.","start":3799.1301,"end":3801.07,"sentiment":"positive","sentiment_score":0.7373939057191213},{"text":"Thanks for taking my call.","start":3801.1301,"end":3802.81,"sentiment":"positive","sentiment_score":0.786659324169159},{"text":"Enjoy your evening.","start":3802.81,"end":3804.03,"sentiment":"positive","sentiment_score":0.6972702741622925},{"text":"Say bye, and thank you to Sergei for me.","start":3804.25,"end":3806.59,"sentiment":"positive","sentiment_score":0.4310927920871311},{"text":"Thanks.","start":3809.3489,"end":3809.8289,"sentiment":"positive","sentiment_score":0.5691735744476318}],"sentiment":"positive","sentiment_score":0.6207699825366338,"num_words":24,"start":3799.1301,"end":3809.8289},{"sentences":[{"text":"See you later.","start":3809.8289,"end":3810.469,"sentiment":"positive","sentiment_score":0.4539854824542999},{"text":"Bye.","start":3810.469,"end":3810.969,"sentiment":"neutral","sentiment_score":-0.0963510051369667}],"sentiment":"neutral","sentiment_score":0.31640136055648327,"num_words":4,"start":3809.8289,"end":3810.969}]}}]},{"alternatives":[{"transcript":"Hello? Oh, good. Thanks. How are you? Yeah. This is fine. Sounds fine. Oh, yeah. He's just in the kitchen. Yep. I can do it now. Oh, it's been busy, but it's really good because it's, you know, end of the week. Towards the end of the week. So it's always good to thing. You know, you know, the cost of it. Okay. I've got it opened to let me see. Oh, hang on. Do I just click sign doc and then it'll open? Oh, okay. Yes. Yeah. Full name, Angela Flores. Date of birth, '17 11/1984. Address is Unit 9 Stroke 49 Cambra Street, Oxley Park 2760, New South Wales. Do you need to confirm Sergio too? Yep. 08/01/1980 4. Address being assigned Unit 9. Day. Oh, Sergio. The unit nine stop. That that's it? Not bad. Took the day off today. And it's very beautiful weather. So, you know, the the poor ones who actually have to go to work, very jealous. Oh, really? Oh, it's the the sun is shining. It is there's a little bit of a break like, a little bit of wind, a gust, but well, it's very nice in in the sun. Yep. Yes. Yes. Mhmm. Thank you. Okay. Okay. Mhmm. Mhmm. Mhmm. Mhmm. Yes. No. No. That's appropriate. Mhmm. Yes. Yes. We do. Yes. Yes. Yes. Yes. It does. Mhmm. It does. Yep. No. Mhmm. Well, we had a chat. We sent well, I sent my payslip, but they haven't gotten back to us yet. So I'm not a 100% sure there. But, I mean, after we had a chat and stuff like that, like, we had a chat with the mortgage broker, then, you know, both Sergio and I have sat down and, you know, reconsidered a little bit, you know, about investments and stuff at least early on and stuff like that, whether we would think about maybe possibly, you know, when my daughter finishes or something like that. But, yeah, we've already considered a lot of options. So what we originally wanted and and I think we mentioned it to you too that we wanted to tap into this feedback because that is like, they put an end to that. So I think that kind of has put a little bit of a not so much data, but it's like, oh, okay. Now we have to reassess with a, you know, another option or another avenue or yeah. But that's okay. Yes. Mhmm. Mhmm. Okay. Mhmm. Mhmm. Okay. It's right there. 17. Yep. I'm on 20 now. Mhmm. Mhmm. Mhmm. Mhmm. Okay. Yep. Yep. I'm at 20 four. Oh, no. No. No. I'm at page 20 four. Mhmm. Mhmm. Okay. Yes. Okay. Oh, that's yeah. Oh, okay. Yep. Mhmm. Okay. Okay. Yeah. Mhmm. Okay. No. Not just yet. Like yeah. It it is a lot to process, but then, yeah, when later when I look through the water a bit more, and if any questions arise, happy to, yeah, probably make contact. You know? Yes. Okay. Mhmm. Yes. Yes. Right. Okay. Mhmm. Okay. Mhmm. Yep. Oh, okay. Okay. Right. Right. Thank you. Okay. Yeah. Mhmm. Alright. Okay. One second. K. Mhmm. Mhmm. No. But that was fantastic that you just went through that because it made sense. Like, if I was to open that that grid, I'd be like, no. It makes absolute sense. Thank you. Yeah. Thank you. Yep. Mhmm. Yeah. Yep. Thank you. Mhmm. Yep. Yeah. Okay. Yes. No. Yes. Yes. Yep. Makes sense. Mhmm. Yes. Yeah. Mhmm. Mhmm. Mhmm. So that's for a whole year, is that? Okay. Mhmm. Yes. Mhmm. Mhmm. Mhmm. Mhmm. Mhmm. Yeah. Yeah. Absolutely. So if they decline the policy, which I think previously when we first signed up, they did. So I just go back to what I already have existing. Is that right? Or okay. Alrighty. Alright. Okay. As long as that's still coverage if they decline it. Okay. Mhmm. Okay. Yep. No. That's alright. Yep. Mhmm. Okay. Yes. Yeah. Yep. Yep. That makes sense. Would that add, like, an extra additional year? So, like, you said, oh, roughly we wanna retire at 60. Does that now become like, oh, okay. It might have to be, like, 65 because we're, you know, taking on the well, because I'm taking on this life insurance, like, if I am successful with application. Okay. Mhmm. Okay. Mhmm. Okay. Mhmm. Mhmm. No. Not at the moment. No. No. All is good. Sorry. Sorry. I was just my daughter rang, so my son's training. Sorry. 373737. Oh, it says oh, have I missed what? That's Sergio's strategy recommendation. Is that right? Is that what we're up to? 37? Oh, okay. Good. You've been doing all this Yes. Sorry. He's on the phone just speaking to my daughter. Sorry. I'm so sorry. They're just trying to my daughter took my son to training. So so they're just trying to sort it out as to where he's supposed to be. Yeah. Okay. Alright. Here you go. Okay. It's up to you now. Oh, you're very looking. You're very following. Oh, he is following on his phone. There we go. That's the thirty seven. Yeah. Let me just find out. Yep. Alright. He's ready. Yep. Mhmm. Alright then. Okay. Mhmm. Mhmm. Yeah. Yeah. Very good. Very positive. Yeah. So in the next page. Yes. It's in green. Yeah. This one? Yeah. Yep. Mhmm. Yeah. That's great. Yeah. Oh, your search has got the page. Yep. It's good right now. Yeah. Got it. Mhmm. Mhmm. Mhmm. Mhmm. Okay. Yes. No. No. Okay. Mhmm. Okay. Mhmm. Yep. Alright. Mhmm. Yep. Okay. Yeah. So Cedric just said that he just had to duck out or duck to the bathroom. So so you'll be just talking to me for a bit. It'll be fine with him, so now I have to go back on my phone. Oh, I get no. No. No. I know you. Fifty fifty. And 59. Yes. I can see it now. Mhmm. Mhmm. Yes. Mhmm. Mhmm. Okay. Mhmm. Okay. Yeah. Mhmm. Yes. Yes. Yep. Mhmm. Okay. Yeah. Yeah. That makes perfect. Mhmm. Fifth Guarco Place. Okay. Yep. Okay. Yep. Mhmm. Yep. Well, no. Nothing's kind of out, like, I thought because I think I've asked the questions as I went. But when do you want this kind of well, when do you want the signing done by? Just that way, we've got a deadline I could put in my calendar so I can we can get all of this done. Okay. Yeah. Okay. Yeah. Okay. Yeah. Fantastic. Yep. Yeah. Yeah. Thank you. No. Thank you for taking your time and trying to get the best out of it all for us. Thank you. We do appreciate it. Oh, fantastic. And enjoy your well deserved break. You too. No worries. 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Oh, good. Thanks. How are you? Yeah.\n\nThis is fine. Sounds fine. Oh, yeah. He's just in the kitchen. Yep.\n\nI can do it now. Oh, it's been busy, but it's really good because it's, you know, end of the week. Towards the end of the week. So it's always good to thing. You know, you know, the cost of it.\n\nOkay. I've got it opened to let me see. Oh, hang on. Do I just click sign doc and then it'll open? Oh, okay.\n\nYes. Yeah. Full name, Angela Flores. Date of birth, '17 11/1984. Address is Unit 9 Stroke 49 Cambra Street, Oxley Park 2760, New South Wales.\n\nDo you need to confirm Sergio too? Yep. 08/01/1980 4. Address being assigned Unit 9. Day.\n\nOh, Sergio. The unit nine stop. That that's it? Not bad. Took the day off today.\n\nAnd it's very beautiful weather. So, you know, the the poor ones who actually have to go to work, very jealous. Oh, really? Oh, it's the the sun is shining. It is there's a little bit of a break like, a little bit of wind, a gust, but well, it's very nice in in the sun.\n\nYep. Yes. Yes. Mhmm. Thank you.\n\nOkay. Okay. Mhmm. Mhmm. Mhmm.\n\nMhmm. Yes. No. No. That's appropriate.\n\nMhmm. Yes. Yes. We do. Yes.\n\nYes. Yes. Yes. It does. Mhmm.\n\nIt does. Yep. No. Mhmm. Well, we had a chat.\n\nWe sent well, I sent my payslip, but they haven't gotten back to us yet. So I'm not a 100% sure there. But, I mean, after we had a chat and stuff like that, like, we had a chat with the mortgage broker, then, you know, both Sergio and I have sat down and, you know, reconsidered a little bit, you know, about investments and stuff at least early on and stuff like that, whether we would think about maybe possibly, you know, when my daughter finishes or something like that. But, yeah, we've already considered a lot of options. So what we originally wanted and and I think we mentioned it to you too that we wanted to tap into this feedback because that is like, they put an end to that.\n\nSo I think that kind of has put a little bit of a not so much data, but it's like, oh, okay. Now we have to reassess with a, you know, another option or another avenue or yeah. But that's okay. Yes. Mhmm.\n\nMhmm. Okay. Mhmm. Mhmm. Okay.\n\nIt's right there. 17. Yep. I'm on 20 now. Mhmm.\n\nMhmm. Mhmm. Mhmm. Okay. Yep.\n\nYep. I'm at 20 four. Oh, no. No. No.\n\nI'm at page 20 four. Mhmm. Mhmm. Okay. Yes.\n\nOkay. Oh, that's yeah. Oh, okay. Yep. Mhmm.\n\nOkay. Okay. Yeah. Mhmm. Okay.\n\nNo. Not just yet. Like yeah. It it is a lot to process, but then, yeah, when later when I look through the water a bit more, and if any questions arise, happy to, yeah, probably make contact. You know?\n\nYes. Okay. Mhmm. Yes. Yes.\n\nRight. Okay. Mhmm. Okay. Mhmm.\n\nYep. Oh, okay. Okay. Right. Right.\n\nThank you. Okay. Yeah. Mhmm. Alright.\n\nOkay. One second. K. Mhmm. Mhmm.\n\nNo. But that was fantastic that you just went through that because it made sense. Like, if I was to open that that grid, I'd be like, no. It makes absolute sense. Thank you.\n\nYeah. Thank you. Yep. Mhmm. Yeah.\n\nYep. Thank you. Mhmm. Yep. Yeah.\n\nOkay. Yes. No. Yes. Yes.\n\nYep. Makes sense. Mhmm. Yes. Yeah.\n\nMhmm. Mhmm. Mhmm. So that's for a whole year, is that? Okay.\n\nMhmm. Yes. Mhmm. Mhmm. Mhmm.\n\nMhmm. Mhmm. Yeah. Yeah. Absolutely.\n\nSo if they decline the policy, which I think previously when we first signed up, they did. So I just go back to what I already have existing. Is that right? Or okay. Alrighty.\n\nAlright. Okay. As long as that's still coverage if they decline it. Okay. Mhmm.\n\nOkay. Yep. No. That's alright. Yep.\n\nMhmm. Okay. Yes. Yeah. Yep.\n\nYep. That makes sense. Would that add, like, an extra additional year? So, like, you said, oh, roughly we wanna retire at 60. Does that now become like, oh, okay.\n\nIt might have to be, like, 65 because we're, you know, taking on the well, because I'm taking on this life insurance, like, if I am successful with application. Okay. Mhmm. Okay. Mhmm.\n\nOkay. Mhmm. Mhmm. No. Not at the moment.\n\nNo. No. All is good. Sorry. Sorry.\n\nI was just my daughter rang, so my son's training. Sorry. 373737. Oh, it says oh, have I missed what? That's Sergio's strategy recommendation.\n\nIs that right? Is that what we're up to? 37? Oh, okay. Good.\n\nYou've been doing all this Yes. Sorry. He's on the phone just speaking to my daughter. Sorry. I'm so sorry.\n\nThey're just trying to my daughter took my son to training. So so they're just trying to sort it out as to where he's supposed to be. Yeah. Okay. Alright.\n\nHere you go. Okay. It's up to you now. Oh, you're very looking. You're very following.\n\nOh, he is following on his phone. There we go. That's the thirty seven. Yeah. Let me just find out.\n\nYep. Alright. He's ready. Yep. Mhmm.\n\nAlright then. Okay. Mhmm. Mhmm. Yeah.\n\nYeah. Very good. Very positive. Yeah. So in the next page.\n\nYes. It's in green. Yeah. This one? Yeah.\n\nYep. Mhmm. Yeah. That's great. Yeah.\n\nOh, your search has got the page. Yep. It's good right now. Yeah. Got it.\n\nMhmm. Mhmm. Mhmm. Mhmm. Okay.\n\nYes. No. No. Okay. Mhmm.\n\nOkay. Mhmm. Yep. Alright. Mhmm.\n\nYep. Okay. Yeah. So Cedric just said that he just had to duck out or duck to the bathroom. So so you'll be just talking to me for a bit.\n\nIt'll be fine with him, so now I have to go back on my phone. Oh, I get no. No. No. I know you.\n\nFifty fifty. And 59. Yes. I can see it now. Mhmm.\n\nMhmm. Yes. Mhmm. Mhmm. Okay.\n\nMhmm. Okay. Yeah. Mhmm. Yes.\n\nYes. Yep. Mhmm. Okay. Yeah.\n\nYeah. That makes perfect. Mhmm. Fifth Guarco Place. Okay.\n\nYep. Okay. Yep. Mhmm. Yep.\n\nWell, no. Nothing's kind of out, like, I thought because I think I've asked the questions as I went. But when do you want this kind of well, when do you want the signing done by? Just that way, we've got a deadline I could put in my calendar so I can we can get all of this done. Okay.\n\nYeah. Okay. Yeah. Okay. Yeah.\n\nFantastic. Yep. Yeah. Yeah. Thank you.\n\nNo. Thank you for taking your time and trying to get the best out of it all for us. Thank you. We do appreciate it. Oh, fantastic.\n\nAnd enjoy your well deserved break. You too. No worries. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.4399999,"end":1.9399999,"sentiment":"neutral","sentiment_score":0.03163997828960419},{"text":"Oh, good.","start":6.24,"end":6.8799996,"sentiment":"positive","sentiment_score":0.47559525072574615},{"text":"Thanks.","start":6.8799996,"end":7.12,"sentiment":"positive","sentiment_score":0.5749250650405884},{"text":"How are you?","start":7.12,"end":8.02,"sentiment":"positive","sentiment_score":0.3669881423314412},{"text":"Yeah.","start":15.975,"end":16.455,"sentiment":"neutral","sentiment_score":0.21817860007286072}],"sentiment":"positive","sentiment_score":0.35961232148110867,"num_words":8,"start":1.4399999,"end":16.455},{"sentences":[{"text":"This is fine.","start":16.455,"end":17.355,"sentiment":"neutral","sentiment_score":0.3106428186098735},{"text":"Sounds fine.","start":17.494999,"end":18.235,"sentiment":"positive","sentiment_score":0.42431771755218506},{"text":"Oh, yeah.","start":21.735,"end":22.215,"sentiment":"neutral","sentiment_score":0.058575110509991646},{"text":"He's just in the kitchen.","start":22.215,"end":23.915,"sentiment":"neutral","sentiment_score":0.07959022894501686},{"text":"Yep.","start":36.28,"end":36.68,"sentiment":"neutral","sentiment_score":0.1761290282011032}],"sentiment":"neutral","sentiment_score":0.19013802191385856,"num_words":13,"start":16.455,"end":36.68},{"sentences":[{"text":"I can do it now.","start":36.68,"end":37.98,"sentiment":"neutral","sentiment_score":0.1953181505203247},{"text":"Oh, it's been busy, but it's really good because it's, you know, end of the week.","start":41.775,"end":50.035,"sentiment":"neutral","sentiment_score":0.18501198710873723},{"text":"Towards the end of the week.","start":50.815,"end":52.095,"sentiment":"neutral","sentiment_score":0.17669874678055444},{"text":"So it's always good to 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Cedric just said that he just had to duck out or duck to the bathroom.","start":3340.36,"end":3344.9402,"sentiment":"neutral","sentiment_score":0.018725553527474403},{"text":"So so you'll be just talking to me for a bit.","start":3345.56,"end":3348.46,"sentiment":"neutral","sentiment_score":0.1200949407436631}],"sentiment":"neutral","sentiment_score":0.07182737365365029,"num_words":30,"start":3336.2952,"end":3348.46},{"sentences":[{"text":"It'll be fine with him, so now I have to go back on my phone.","start":3365.27,"end":3368.89,"sentiment":"neutral","sentiment_score":0.12788150881727536},{"text":"Oh, I get no.","start":3370.39,"end":3371.5898,"sentiment":"neutral","sentiment_score":-0.17110002972185612},{"text":"No.","start":3371.5898,"end":3371.75,"sentiment":"neutral","sentiment_score":-0.24640855193138125},{"text":"No.","start":3371.75,"end":3371.99,"sentiment":"neutral","sentiment_score":-0.1990065276622772},{"text":"I know you.","start":3371.99,"end":3372.89,"sentiment":"neutral","sentiment_score":-0.11966788023710251}],"sentiment":"neutral","sentiment_score":0.017891824711114168,"num_words":24,"start":3365.27,"end":3372.89},{"sentences":[{"text":"Fifty fifty.","start":3374.07,"end":3375.53,"sentiment":"neutral","sentiment_score":-0.025584462098777294},{"text":"And 59.","start":3379.635,"end":3380.3552,"sentiment":"neutral","sentiment_score":0.0015659579075872898},{"text":"Yes.","start":3380.3552,"end":3380.675,"sentiment":"neutral","sentiment_score":0.06204193830490112},{"text":"I can see it 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no.","start":3694.8252,"end":3695.3052,"sentiment":"neutral","sentiment_score":-0.03240230120718479},{"text":"Nothing's kind of out, like, I thought because I think I've asked the questions as I went.","start":3695.3052,"end":3700.39,"sentiment":"neutral","sentiment_score":-0.04645700577427359},{"text":"But when do you want this kind of well, when do you want the signing done by?","start":3701.49,"end":3706.8499,"sentiment":"neutral","sentiment_score":0.004258480142144596},{"text":"Just that way, we've got a deadline I could put in my calendar so I can we can get all of this done.","start":3706.8499,"end":3713.255,"sentiment":"neutral","sentiment_score":0.031669972545426826},{"text":"Okay.","start":3718.515,"end":3719.015,"sentiment":"neutral","sentiment_score":0.016273442655801773}],"sentiment":"neutral","sentiment_score":-0.0006249454493323962,"num_words":60,"start":3694.8252,"end":3719.015},{"sentences":[{"text":"Yeah.","start":3723.795,"end":3724.295,"sentiment":"neutral","sentiment_score":0.03867851942777634},{"text":"Okay.","start":3727.9001,"end":3728.4001,"sentiment":"neutral","sentiment_score":0.09100279211997986},{"text":"Yeah.","start":3731.5,"end":3732.0,"sentiment":"neutral","sentiment_score":0.11377038061618804},{"text":"Okay.","start":3744.065,"end":3744.565,"sentiment":"neutral","sentiment_score":0.2026998400688171},{"text":"Yeah.","start":3744.785,"end":3745.285,"sentiment":"positive","sentiment_score":0.3643425405025482}],"sentiment":"neutral","sentiment_score":0.16209881454706193,"num_words":5,"start":3723.795,"end":3745.285},{"sentences":[{"text":"Fantastic.","start":3745.425,"end":3745.925,"sentiment":"positive","sentiment_score":0.6890580058097839},{"text":"Yep.","start":3753.5051,"end":3754.0051,"sentiment":"neutral","sentiment_score":0.12333711236715315},{"text":"Yeah.","start":3765.51,"end":3766.01,"sentiment":"neutral","sentiment_score":0.2880871295928955},{"text":"Yeah.","start":3772.7551,"end":3773.235,"sentiment":"positive","sentiment_score":0.4010494351387024},{"text":"Thank you.","start":3773.235,"end":3773.7952,"sentiment":"positive","sentiment_score":0.5585452318191528}],"sentiment":"positive","sentiment_score":0.43643702442447346,"num_words":6,"start":3745.425,"end":3773.7952},{"sentences":[{"text":"No.","start":3773.7952,"end":3774.0352,"sentiment":"neutral","sentiment_score":0.12385769188404085},{"text":"Thank you for taking your time and trying to get the best out of it all for us.","start":3774.0352,"end":3778.5151,"sentiment":"positive","sentiment_score":0.6437305278248258},{"text":"Thank you.","start":3778.5151,"end":3778.995,"sentiment":"positive","sentiment_score":0.7203123271465302},{"text":"We do appreciate it.","start":3778.995,"end":3780.375,"sentiment":"positive","sentiment_score":0.7365246266126633},{"text":"Oh, fantastic.","start":3794.1848,"end":3794.765,"sentiment":"positive","sentiment_score":0.7768500447273254}],"sentiment":"positive","sentiment_score":0.6537566830714544,"num_words":27,"start":3773.7952,"end":3794.765},{"sentences":[{"text":"And enjoy your well deserved break.","start":3794.9849,"end":3797.885,"sentiment":"positive","sentiment_score":0.7583582103252411},{"text":"You too.","start":3804.585,"end":3805.405,"sentiment":"positive","sentiment_score":0.3917689323425293},{"text":"No worries.","start":3806.7449,"end":3807.4849,"sentiment":"neutral","sentiment_score":0.207713283598423},{"text":"Bye.","start":3807.545,"end":3808.045,"sentiment":"neutral","sentiment_score":0.2497446984052658}],"sentiment":"positive","sentiment_score":0.5453507629307833,"num_words":11,"start":3794.9849,"end":3808.045}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Angela. It's Dana from Okie Financial. How are you?\n\nChannel 1: Oh, good. Thanks. How are you?\n\nChannel 0: I'm very well. Thank you. I had yourself in 3rd PA booked in to go through your updated advice document. Is now still a good time for you?\n\nChannel 1: Yeah. This is fine. Sounds fine.\n\nChannel 0: Fantastic. Is Sergio there with you as well?\n\nChannel 1: Oh, yeah. He's just in the kitchen.\n\nChannel 0: That's okay. No worries. What I'll do is I'm gonna send this document through to you. Is one of your or both will be able to pop into your email there just to pull it up? We can look at it together.\n\nThat's all.\n\nChannel 1: Yep. I can do it now.\n\nChannel 0: There you see. How's your day been?\n\nChannel 1: Oh, it's been busy, but it's really good because it's, you know, end of the week. Towards the end of the week. So it's always good to thing. You know, you\n\nChannel 0: Absolutely.\n\nChannel 1: know, the cost of it. Okay. I've got it opened to\n\nChannel 0: Perfect.\n\nChannel 1: let me see. Oh, hang on. Do I\n\nChannel 0: It\n\nChannel 1: just click sign doc and then it'll\n\nChannel 0: yep.\n\nChannel 1: open? Oh,\n\nChannel 0: That's\n\nChannel 1: okay.\n\nChannel 0: correct. Yeah. Perfect. Now just before I jump into the call, I do have to let you know we do record our calls for quality and training purposes. Are you happy for us to proceed with that?\n\nChannel 1: Yes.\n\nChannel 0: Excellent. And I'll just do a quick security check there with you as well before I discuss your personal information. Just to confirm, your full name, your date of birth, and address I should have on file?\n\nChannel 1: Yeah. Full name, Angela Flores. Date of birth, '17\n\nChannel 0: Mhmm.\n\nChannel 1: 11/1984. Address is Unit 9 Stroke 49 Cambra Street, Oxley Park 2760, New South Wales.\n\nChannel 0: Beautiful. Thank you so much for that. Excellent. So when\n\nChannel 1: Do\n\nChannel 0: you\n\nChannel 1: you need\n\nChannel 0: can\n\nChannel 1: to\n\nChannel 0: see\n\nChannel 1: confirm\n\nChannel 0: the first\n\nChannel 1: Sergio too?\n\nChannel 0: I just need to say that he's there. And if you can give me here, say, the best and full name, that would be perfect.\n\nChannel 1: Yep. 08/01/1980\n\nChannel 0: Yep.\n\nChannel 1: 4.\n\nChannel 0: Yep.\n\nChannel 1: Address being assigned Unit 9. Day. Oh, Sergio.\n\nChannel 0: Yeah. Oh,\n\nChannel 1: The unit\n\nChannel 0: but thank you\n\nChannel 1: nine\n\nChannel 0: so much, Sergio.\n\nChannel 1: stop.\n\nChannel 0: Yep.\n\nChannel 1: That that's it?\n\nChannel 0: Yeah. That's fine. You're good. Thank you so much. But how's your weight being Sergio?\n\nChannel 1: Not bad. Took the day off today.\n\nChannel 0: Beautiful.\n\nChannel 1: And it's very beautiful\n\nChannel 0: Fantastic.\n\nChannel 1: weather. So, you know, the the poor ones who actually have to go to work, very jealous.\n\nChannel 0: Yes. That's it. It's been horrible weather up here today. We've had\n\nChannel 1: Oh, really?\n\nChannel 0: overcast and windy. Shocking.\n\nChannel 1: Oh, it's the the sun is shining. It is there's a little bit of a break like, a little bit of wind, a gust, but\n\nChannel 0: Yeah.\n\nChannel 1: well, it's very nice in in the sun.\n\nChannel 0: Yeah. Wow. Oh, lovely. Well, let's come through this for you. I appreciate you giving me the time to put this together for you.\n\nEssentially, we were looking at your super and how to kind of boost things for you both a little bit there. We had noticed\n\nChannel 1: Yep.\n\nChannel 0: in our last call there was some underperforming investments, so we wanted to update your portfolio looking forward. And, Angela, you also wanted me to have a look at income protection to see if we could get you some more income protections to cover you in the event of not being able to go to work in the short term as well.\n\nChannel 1: Yes.\n\nChannel 0: Okay? Excellent. On the front page, sir, you'll see this document is an overview financial statement of advice prepared for yourself, Angela and Sergio, as\n\nChannel 1: Yes.\n\nChannel 0: of the 09/10/2026. All\n\nChannel 1: Mhmm.\n\nChannel 0: our advice is valid for sixty days from the date of the document there. So once we've gone through things, I will let you go back and you can have some time to read it over, talk it between yourselves. And then if you are happy to take on the advice, we'll get you to sign and return that back there for us. Okay?\n\nChannel 1: Thank you.\n\nChannel 0: Excellent. On the bottom of the front page, it has my authorized representative number. So I'm a licensed adviser registered with Aptive, and my registration number is 1304394. Okay.\n\nChannel 1: Okay.\n\nChannel 0: I am gonna skip through just a few pages as we are going through just to sort of focus on the areas that I need to touch on because I do let you go back and have some time to read it over as well. And in the meantime, if you finally have questions, please just let me know, interrupt me and shout them out. Okay? Excellent. As we are going to the next page, it notes the best interest to you.\n\nJust making sure any advice we do provide is there to make and assist you in meeting your goals and provided\n\nChannel 1: Okay.\n\nChannel 0: in best interest. We've\n\nChannel 1: Mhmm.\n\nChannel 0: also then got the table of contents so you can just scroll past that one. And then page number three, you should see if you're facing of the advice. So we're looking here at your superannuation. Essentially,\n\nChannel 1: Mhmm.\n\nChannel 0: we're looking at basically being able to retire at around about the age of 60 there with a target retirement of about a thousand dollars per week each from your supers. And you also\n\nChannel 1: Mhmm.\n\nChannel 0: wanted us to look at reviewing and updating your superannuation investment, and switching out any underperforming investments to update the portfolios on market\n\nChannel 1: Mhmm.\n\nChannel 0: conditions. Does\n\nChannel 1: Yes.\n\nChannel 0: that sound appropriate for you both? Is there anything you would change there at all?\n\nChannel 1: No. No. That's appropriate.\n\nChannel 0: Yes. Excellent. Then the next page, we have your insurances. So you both do have some insurances. You've self answered.\n\nYou've got life and income protection currently. But, yeah, you have life and income protection there. So, essentially, we were keeping both of your life covers in force. You're both comfortable with the level of life cover you had. Sergio was happy\n\nChannel 1: Mhmm.\n\nChannel 0: with his life and income protection benefit. It felt appropriate at the time. And, Angela, your income protection benefit was very minimal, so we were looking at trying to increase that benefit a bit to provide a higher level of cover in the event that you were off work due to illness or injury. Okay.\n\nChannel 1: Yes. Yes. We do.\n\nChannel 0: Excellent. We've also got on the next page the estate planning. So one of the things we talked about was your beneficiaries. Essentially, you both had the children noted at 50% each. But with the beneficiaries, it's essentially put onto your super to provide a benefit in the event that one of you was to pass away.\n\nSo we talked about having that benefit\n\nChannel 1: Yes.\n\nChannel 0: updated so that in the event of passing, you went to each other, and then just making sure you do have a will set up with a solicitor and a power of attorney to make sure that in the event that something happened to the two of you, that you could then have those funds directed through your estate to each of your children. Does that still sound fairly appropriate?\n\nChannel 1: Yes. Yes. Yes.\n\nChannel 0: Yep.\n\nChannel 1: It does.\n\nChannel 0: Excellent. On the next page, we have where we're not looking at advice today, so things that we're not considering. You're still both very young. You do have that retirement goal, so I'm not projecting all the way to retirement essentially because you still have a lot of time ahead of you. I know it doesn't feel like it.\n\nI'm the same age as you. It feels like life\n\nChannel 1: Mhmm.\n\nChannel 0: is disappearing, and this year is falling by that, Michelle.\n\nChannel 1: It does.\n\nChannel 0: But you still do have a lot of time when it comes to your safety there to build on things and work towards your retirement goals. So I just project over the next five to ten years to look at where we're tracking, and then we continuously update the advice as appropriate towards your retirement goals there. When you do get within that ten years, then we'll have a look at what that retirement\n\nChannel 1: Yep.\n\nChannel 0: income looks like for you both. Okay. Fantastic. The next page outlines the other areas that we're scoping out for personal insurances. So, Angela, you didn't wanna look at CBD, so permanent incapacity at all, and neither of you wanted to look at having trauma or child trauma cover for the insurances.\n\nOkay.\n\nChannel 1: No.\n\nChannel 0: Excellent. And then the last one is the debt. So you're both wanting to look at, obviously, personal investments and debts as well. We're scoping out both of those in the next few pays there. I remember saying the more the referrals to some mortgage broker.\n\nHow did you both go with them? Have you had a bit of a chat with a mortgage broker?\n\nChannel 1: Mhmm. Well, we had a chat. We sent well, I sent my payslip, but they haven't gotten back to us yet. So I'm not\n\nChannel 0: Okay.\n\nChannel 1: a 100% sure there. But, I mean, after we had a chat and stuff like that, like, we had a chat with the mortgage broker, then, you know, both Sergio and I have sat down and, you know, reconsidered a little bit, you know, about investments\n\nChannel 0: Yes.\n\nChannel 1: and stuff at least early on and stuff like that, whether we would think about\n\nChannel 0: Yes.\n\nChannel 1: maybe possibly, you know, when my daughter finishes or something like that. But, yeah, we've already considered a lot of options. So what we originally wanted and and I think we mentioned it to you too that we wanted to tap\n\nChannel 0: Yeah.\n\nChannel 1: into this feedback because that is like, they put an end to that. So I think that\n\nChannel 0: Yeah.\n\nChannel 1: kind of has put a little bit of a not so much data, but it's like, oh, okay. Now we have to reassess with a, you know, another option or another avenue or yeah. But\n\nChannel 0: Yeah.\n\nChannel 1: that's\n\nChannel 0: Absolutely. That's okay.\n\nChannel 1: okay.\n\nChannel 0: That's absolutely fine. And look if there's other ways of personally investing personally, you can also look at building investment portfolios, utilizing investment bonds, also portfolios with shares and ETFs and hedge funds like your suit is invested in. So we can\n\nChannel 1: Yes.\n\nChannel 0: always look at those things down the track there for you, look at what your goals are, what you're after, and build investment portfolios that help you to meet those goals and help you to supplement income in retirement down the track if that's what you're after as well. So we'll scope out the debt and the personal investing for now, and we'll come back and read this as you both are comfortable to do so. Okay.\n\nChannel 1: Mhmm.\n\nChannel 0: Excellent. Beautiful. Now with next page has a limited advice warning. It's just letting you know that we're not solicitors, so we don't draft up will. We do refer you to a qualified lawyer to do that.\n\nWe\n\nChannel 1: Mhmm.\n\nChannel 0: provide advice around general insurance I'm sorry. Around personal insurance products, not general insurance. The general insurance is looking at house, motor and liability, business insurance. We can always refer you through to a general broker if you need the services of one. But other devices, we're licensed to provide advice around personal insurance products.\n\nSo things like life, PPD, income protection, trauma, and a few other additional there as well. Okay.\n\nChannel 1: Okay.\n\nChannel 0: Excellent. The next couple of pages have the about you section noted and then your assets and liabilities as we went through in the last call there as well. What I'd really like to do for you both is if I could get you to scroll down for me. We're just gonna skip a few pages here. Sorry.\n\nIf you can go to page number 20 for me, I'll start to take you to those recommendations just by then.\n\nChannel 1: Mhmm. Mhmm. Okay. It's right there. 17.\n\nYep. I'm on 20 now.\n\nChannel 0: Beautiful. So, Angela, this one for yourself. We started by having a bit of a look at your super as well as the investment. So one of the things that I do like to do is do a full research on the platform as well as the investments contained in it because your super is about the entire thing. This\n\nChannel 1: Mhmm.\n\nChannel 0: platform is essentially the vehicle for holding the funds, whereas the investments are what makes the money grow and build and work towards your retirement goals. I am\n\nChannel 1: Mhmm.\n\nChannel 0: recommending that we do retain '20 four. The platform itself is actually really good. It's there's nothing wrong with it. It does hold a really good range of investments that we can sort of switch between. So I did\n\nChannel 1: Mhmm.\n\nChannel 0: review the platform as well as the investment, and I'm recommending you stay within hub twenty four. I am definitely recommending we switch those investments up, and I'll show you that in a second what that looks like,\n\nChannel 1: Mhmm.\n\nChannel 0: and then continuing to get your employer contributions paid into the fund there as well for you.\n\nChannel 1: Okay.\n\nChannel 0: Okay? Excellent. If I can get you to move down a few more pages to page number 24 for me, I'll show you a little bit more around this recommendation, and then I'll take you through what the switch will look like with regard to the investment.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Beautiful.\n\nChannel 1: I'm at\n\nChannel 0: So\n\nChannel 1: 20\n\nChannel 0: one of\n\nChannel 1: four.\n\nChannel 0: the things I consider you're sorry. Did you need a second more? Sorry.\n\nChannel 1: Oh, no. No. No. I'm at page 20\n\nChannel 0: No. You're fine. You're\n\nChannel 1: four.\n\nChannel 0: good. Essentially, with this one here, it's showing you the recommended and the comparison table there. So you've got your current situation balance of 186,433 with the admin fees, investment fees, the ongoing service fee we charge, and your contributions going in with your current insurance premiums noted there as well. Within your portfolio, you're a growth investor. We talked about how that's got that eighty twenty split of in of growth and defensive investments, and when we kind of assess that you are happy to stay in that growth portfolio.\n\nThe current portfolio you're in with the current investments, when we look at how that's averaged over the past five years, it's roughly about 8.34\n\nChannel 1: Mhmm.\n\nChannel 0: percent, which isn't bad in any way, shape, or form, but we want that to work harder and build and work harder for you. So what I am recommending is we do retain Hunt 24 as a platform.\n\nChannel 1: Mhmm. Okay.\n\nChannel 0: We will switch the investments out. One of the things I do look at is the capital gains consequences. So your super fund, just like you, does a tax return every year. Within super, your super fund pays income tax as well as capital gains tax as well. So you'll see in the differences column there's a a dollar of $421.\n\nIn order to make the changes within the platform and switch your investments, we've worked out that the CDK cost your super will account for is $421 in order to switch the investment. Does that make sense?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Beautiful. The other thing I did was have a look at the investment fees. We wanted to make sure you have the investments that were working harder for you, but I wanted to try and find a cheaper a cheaper investment portfolio because one of the ways we can sort of build and boost that super is to reduce the fees that are coming out of it.\n\nChannel 1: Okay.\n\nChannel 0: At the moment, your investment fees are about $776. With that newer portfolio, they dropped to 529. So it's\n\nChannel 1: Oh,\n\nChannel 0: essentially saving\n\nChannel 1: that's\n\nChannel 0: you over $200\n\nChannel 1: yeah.\n\nChannel 0: in investment fees for the year, which is good. Yeah. Excellent. And underneath that, there's no real change to the ongoing service fee. That is still staying roughly the same.\n\nIt's gonna change by about $19. It'll actually go down by $19 and save you at 19\n\nChannel 1: Oh, okay.\n\nChannel 0: dollars per year, which isn't bad.\n\nChannel 1: Yep.\n\nChannel 0: And\n\nChannel 1: Mhmm.\n\nChannel 0: then you've got your employer contribution still going in. The other thing I will go through with you in a minute is the insurance premium. Now this was higher. It is a bit more about $5,000 higher, and that is because of the cost of the income protection that I'm able to recommend for you. I have a a another option.\n\nIt was an alternative that I've considered in the appendices, but I'll take you through what this looks like first. But just so you\n\nChannel 1: Okay.\n\nChannel 0: can see, the expected increase for increase in your income protection policy there as well. Okay? The other thing we wanna look at is how the newer portfolio has sort of grown and worked over the past couple of years. So this newer portfolio is not only cheaper, but it's also shown a greater past performance. So over the past five years, it's at least about 10.18, which is great.\n\nWe wanna get as much growth as possible out of the portfolio. And if you scroll down to the next page, you'll see the projection table. Now I project over the next five to ten years. So this is sort of showing you your current if you stay where you are with the same insurances in the same portfolio over the next five to ten years, you could essentially end up with about 275,000 or over 380,000 within sleep in the next ten years, which is great.\n\nChannel 1: Okay.\n\nChannel 0: However,\n\nChannel 1: Yeah.\n\nChannel 0: with the new recommended portfolio, by saving fees and having a greater past performance and even including increasing the cost of increasing your income protection, in the next five to ten years, you can actually end up a little bit further in front, which is a positive and a bonus for yourself. You could end up with about $800 difference, but it means that this newer portfolio with the reduction of fees has been keeping up with inflation. It\n\nChannel 1: Mhmm.\n\nChannel 0: has also it does also keep up with the fact that you've got a higher insurance cost noted above there as well. Okay. Beautiful. That can be a lot. Do you have any questions in relation to any of that there at\n\nChannel 1: Okay.\n\nChannel 0: all?\n\nChannel 1: No. Not just yet. Like yeah. It it is a lot to process, but then, yeah, when later when I look through the water a bit more, and if any\n\nChannel 0: Absolutely.\n\nChannel 1: questions arise, happy to,\n\nChannel 0: Yeah.\n\nChannel 1: yeah, probably make contact. You know?\n\nChannel 0: Absolutely. It is a lot to process. I absolutely get it. It's not a problem. It's always good that you're looking at it with me because\n\nChannel 1: Yes.\n\nChannel 0: it is a lot of numbers to go through, and it can take a minute to process it all. So absolutely. All good. If you scroll down to the next page for me, I'll show you what the changes will look like within your super fund for you to be able to obtain that newer portfolio.\n\nChannel 1: Okay.\n\nChannel 0: Beautiful. So to make this a bit easier, because there is a lot going on here in that table,\n\nChannel 1: Mhmm.\n\nChannel 0: the first column outlines will be individual investments that both you currently have and that we're gonna add into the portfolio. What we're\n\nChannel 1: Yes.\n\nChannel 0: sort of looking at here to make it easy is that lovely buy sell column with the red and the green. That\n\nChannel 1: Yes.\n\nChannel 0: shows you the investments that will be sold down whether full or partial and what we're gonna purchase in the portfolio for you as well. So to\n\nChannel 1: Right.\n\nChannel 0: give you a fairly easy rundown, with the battery and lithium tech, we are removing that completely from the portfolio. It has performed really nicely, but we found a much cheaper way to hold that investment for you.\n\nChannel 1: Okay.\n\nChannel 0: You've also got the Benelmong Australian Equities. That investment is the one that's been underperforming. We talked about getting rid of that and removing it out of the portfolio and replacing\n\nChannel 1: Mhmm.\n\nChannel 0: that with something else. So that'll be fully sold down for you. We've also got the a BetaShares Bank hybrid. Now these are actually being phased out by the government in the next couple of years. So whilst we are making changes, we may as well remove that from your portfolio and replace it with something else so that things can work a bit harder for you down the track.\n\nChannel 1: Okay.\n\nChannel 0: You've also got some physical gold. You're sitting at about 7.8% at the moment. We wanna hold about 8%, so we're gonna buy a little more of that physical gold for you, which has been performing well, and over the longer term, is a really great asset to hold in your state of funds.\n\nChannel 1: Mhmm.\n\nChannel 0: We've also got cybersecurity. This is giving you access to global cybersecurity.\n\nChannel 1: Yep.\n\nChannel 0: Again, it's good for diversification. You're a bit overweight at the moment. You've got 8% in your portfolio. You only wanna hold about 5%, and cybersecurity has seen some really great growth there. Yeah.\n\nSo we're\n\nChannel 1: Oh,\n\nChannel 0: just gonna\n\nChannel 1: okay.\n\nChannel 0: reweight and rebalance your portfolio back. We sell about 3% of that, and we distribute that across the rest of the portfolio, and it just rebalances you back\n\nChannel 1: Okay.\n\nChannel 0: to 5%. Okay. Excellent. We've also got the IHS called composite bond in here. This is giving you access and exposure to both government and corporate bonds as well as other defensive assets like bank notes, the cost, and it gives you some international exposure as well, which is great.\n\nYou're a little bit underweighted in your portfolio. So you've only got 8.63%. We wanna hold 9% of this investment here, so we're gonna buy a little bit more to bring you back up in that waiting.\n\nChannel 1: Right. Right. Thank you.\n\nChannel 0: We've also got the s and p 500. This is giving you access and exposure to the top 500 companies on The US market there. You've got 28.19%. You're a bit overexposed currently. We're gonna sell a little bit of that off and just bring you back to 20% in your portfolio.\n\nChannel 1: Okay.\n\nChannel 0: The other thing we've got here is property, Australian property. Property has taken a bit of a hit since the changes came into play with the negative gearing and the capital gains consequences. It's underperforming a little bit, so we're gonna remove that out of your portfolio currently. There might be a place to put it back into the future, but right now, it's underperforming. So we'll start to we'll just remove that for the time being and replace it with something else that's performing a little bit better for you.\n\nChannel 1: Yeah.\n\nChannel 0: Excellent. You've also got the beta shares Rafi 200. This is giving you some exposure into the Australian stock market. You've got about 16.57% there at the moment. We wanna hold 15% of your portfolio, so we're just gonna sell a little bit of that off for you.\n\nChannel 1: Mhmm.\n\nChannel 0: When you look at the last couple, this is just adding some extra exposure into your portfolio to kind of build on what you've currently already got and what we are keeping. So we're gonna give you exposure into the India quality ETF. This is giving you exposure into India. Has seen some good growth there. There is still growth to be had, and we wanna hold 5% of that investment currently.\n\nChannel 1: Alright.\n\nChannel 0: Underneath that, you've, yeah, underneath that, you've got the the health care. This is giving you exposure to global health care. So, again, diversification, and we wanna hold 4% of that investment. Health care still sees really great growth. This is not only just giving you the real health care, but it's also the tech side of health care as well.\n\nThey're giving you some tech exposure. And there are some really big changes coming in the health care space when we look at the tech side of things as well. So it's a really great place to be invested. It's only gonna be about 4% of your portfolio, so it's only a very small percentage there for you.\n\nChannel 1: Okay.\n\nChannel 0: Yeah. We've also got the BetaShares a 200. This is giving you a bit more exposure into the Australian market. It's helping to because we're getting rid of Benelongs. This is giving you exposure into the Australian two top 200 companies.\n\nThis, along with the rapid, is giving you greater diversification, and one of the biggest things we look at with risk mitigation. We all wanna see good returns and take a little bit of risk, but we wanna try and mitigate as much market risk as we possibly humanly can. And one of the ways we look to do that is to diversify your portfolio, spreading your risk across different asset classes, across different countries, and across your your different sectors as well. And so doing that helps to spread the risk level quite significantly. The idea is where you wanna be invested in enough countries and asset classes where if one is down, another is up to mitigate that.\n\nSo we know markets will go up and down, but we wanna see some of the portfolio working well when others might not be working as well and vice versa. And that's how we take advantage of the market ups and downs, essentially. So this is giving you greater diversification and making sure you've got access into the Australian market there as well. I'm so sorry about that.\n\nChannel 1: One second.\n\nChannel 0: The other thing we talked about was having a bit of active management in your portfolio for you. You both were happy to see a little bit of active management because you are still younger having a bit more\n\nChannel 1: K.\n\nChannel 0: risk side of things, and that's when this investment comes into the JPMorgan Global Research Enhancement Equity Fund. This is actually giving you a very low cost managed fund. It's giving you global exposure so across the globe, but it's utilizing\n\nChannel 1: Mhmm.\n\nChannel 0: JPMorgan's research team to pick and choose certain investments where there might be additional growth. It's only a small portion of active management, so it's mostly a passively managed fund, but it is keeping some active management in your portfolio for you and adding a little bit of that active risk in there, which is kind of what you just wanted to see. We'll just keep monitoring this with you probably every six months to see how it's going. If it's ever sort of underperforming or not doing what it's supposed to, then we can always look to swap it out to something else for you as well. Okay.\n\nChannel 1: Mhmm.\n\nChannel 0: Excellent. And then the other side of that is having more defensive investments. We are removing the bank hybrids, and they were more of a defensive investment. We're removing them because they are being phased out down the track. So in your growth area, you wanna see about roughly 20% invested in defensive assets, so things like cash, bonds, and fixed interest.\n\nThe iShares, Yield Plus, and your core composite bonds, they essentially are your defensive investments. You hold 18% between the 9% of each. The iShares Yield Plus is giving you exposure to essentially defensive investments that are high income producing, and that's really good. We want income to be produced out of your portfolio. That income is paid into your cash account, and that's reinvested back into your portfolio for compounding.\n\nAnd bonds are also really good for that as well. They pay income on a regular basis into your cash account, and that gets redistributed across your portfolio. So we want a mixture of growth, so changes in investment prices, as well as income from your portfolio there as well. And having those defensive assets is also good for long term risk mitigation where equities might not be performing very well so that in those of the times, defensive assets hold and perform very strongly for you as well. Does that make sense?\n\nDo you have any questions in relation to any of that?\n\nChannel 1: No. But that was fantastic that you just went through that because it made sense. Like, if I was to open that that\n\nChannel 0: Yeah.\n\nChannel 1: grid, I'd be like, no. It makes absolute sense. Thank you.\n\nChannel 0: Yeah. Oh, thank you. No. That's okay. I try to make it as easy as possible for understanding because not everyone is that, you know, open to wanting to hear.\n\nBut then if there\n\nChannel 1: Yeah.\n\nChannel 0: is anything further you wanna know, I'm happy to delve deeper into it for you as well. But, yeah, it's a really\n\nChannel 1: Thank\n\nChannel 0: good\n\nChannel 1: you.\n\nChannel 0: change to the portfolio. I like the way\n\nChannel 1: Yep.\n\nChannel 0: it looks. It incorporates a lower cost portfolio with some active management, and it's also saving on fees, which is great. And\n\nChannel 1: Mhmm.\n\nChannel 0: there's\n\nChannel 1: Yeah.\n\nChannel 0: only a very small CGT cost in order to switch the investments around for you, which\n\nChannel 1: Yep.\n\nChannel 0: works. Yeah.\n\nChannel 1: Thank you.\n\nChannel 0: Beautiful. So that is essentially your super part. Now I'll take you through the insurance side of things. This is the one thing that I really wanted to sort of talk to you about.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: With the insurance side of things here, now this is essentially showing you we are retaining your life and income protection that you do hold within that hub twenty four platform account at the moment, and that will\n\nChannel 1: Yeah.\n\nChannel 0: give you a base level of cover. The other thing we sort of talked about was being able to top up your income protection so that if you are off work for any particular reason, that you would have that extra level of cover. And we also sort of are looking at a lower waiting period. So the other thing is with your income protection cover on your HUD 24 account, you've got a ninety day waiting period. So I've recommended a lower waiting period, which means you only have to be off work for thirty days for this newer income\n\nChannel 1: Okay.\n\nChannel 0: protection cover. That essentially means you can claim earlier, which puts less stress on your family's expenditure in the event that you're unable to work. One of the things that I looked at for this is that your income is technically higher than Sergio's, so you're more of the breadwinner. It\n\nChannel 1: Yes.\n\nChannel 0: doesn't so please don't make this sound bad to Sergio in any way, but it's more about making sure that your family can survive in the event that something\n\nChannel 1: No.\n\nChannel 0: happens.\n\nChannel 1: Yes.\n\nChannel 0: You've got mortgages and bills and all the things and food, and nothing stops coming in. So having a\n\nChannel 1: Yes.\n\nChannel 0: thirty day waiting period on this on this ClearView policy means that there's a portion of your income protection you can claim earlier to give you a bit of a buffer while you're sitting at a ninety day waiting period to claim on the rest of the income protection within that group cover policy. Does that make sense?\n\nChannel 1: Yep. Makes sense.\n\nChannel 0: Yep. Beautiful. They both do have a five year benefit period. You can be on the claim for up to five years. The disadvantage to a five year benefit period is that once that five years ends, the claim will stop regardless whether you can go back to work or not.\n\nThe advantage to that is that it makes the cost a bit lower. So you can have an age 65 benefit period as well, which means you can be on a claim up to the age of 65. However, it does make the premiums very expensive. So to try and lower the premiums as much as possible, but still make sure you have a good benefit period to cover you in the event that you're off work, that five years is kind of a happy medium for you. Okay.\n\nChannel 1: Mhmm.\n\nChannel 0: Excellent. So, essentially, with your current income protection monthly benefit of a $1,113.91, in order to cover you for up to 70% of your current income, we needed to then increase and provide a new benefit or a new policy to give you a monthly benefit of $4,719.\n\nChannel 1: Yes.\n\nChannel 0: That equals that 70% when you add the two together.\n\nChannel 1: Yeah.\n\nChannel 0: The disadvantage is when we kinda went through the pre assessment there, we did note there was some health consent. So\n\nChannel 1: Mhmm.\n\nChannel 0: when we went back to do the blind pre assessment with the underwriters and the insurers, they did note that this policy would be expensive because they're adding a 150% loading onto it. So it essentially means the expectation for the premium for this policy would be $5,923.26. Because it is paid out of the Superfund, you get a 15% discount there. So it means that the amount you would pay for this policy out of super is $5,034.70. That added to the already amount you're paid out of you're paying out of the super fund.\n\nIt means that we\n\nChannel 1: Mhmm.\n\nChannel 0: can expect the total premium sorry. I'm just running back double checking. It's $5,416. That is for your current life and income protection policy as well as that new clear view policy total for the year. Okay?\n\nChannel 1: Mhmm. So that's for a whole year,\n\nChannel 0: So\n\nChannel 1: is that?\n\nChannel 0: that's the whole year. Yeah. Yeah. Definitely.\n\nChannel 1: Okay.\n\nChannel 0: Yeah. It is a lot. If you look at the next page, it basically breaks down because of the health concerns that were disclosed in the pre assessment, they've added a 150% medical loading onto it, and they will only cover you for your main occupation. Because you do have that secondary job, they will exclude any claims for your secondary occupation there. It's not the best terms, and I'm so sorry about that.\n\nWe did try to, you know, argue the point with them.\n\nChannel 1: Mhmm.\n\nChannel 0: But at the end of the day, the biggest thing with the underwriters and the insurance companies are they're essentially assessing the risk of them paying a\n\nChannel 1: Yes.\n\nChannel 0: claim. And when there are prior health concerns, when there is things that increase the risk, then they do add those loadings on there because there's more more more of a chance they're gonna pay out on that policy, essentially. As a difference, in the appendices, which you'll also have attached there, it is the next document\n\nChannel 1: Mhmm.\n\nChannel 0: down, and you'll be able to take some time to read it through as well. But in the appendices, I did actually have a look at if you were to only increase or add the Clearview income protection policy to cover 50% of your income. So it essentially means that instead of applying for 4,717 as a monthly benefit, you'd be applying for a lesser amount. It'd be $3,052. It essentially that plus your current 1,113 would cover 50% of your monthly 50% of your income if you are off work.\n\nIt does reduce the total insurance premium. So instead of paying that 5,400, the expected premium out of super would be 3,637 even with those additional loadings added.\n\nChannel 1: Mhmm.\n\nChannel 0: It does essentially mean that you get more growth out of your super, but it's also what's important to you. So the benefit of having this policy, as much as it is expensive, it does mean if something happens, if you're off work, you're able to claim on that policy. The one thing I really do wanna reiterate with you is that we will review this policy with you. If you place it in force or if you go through the application process, we will review this with you. So if your income decreases, these policies do also increase over time.\n\nWe will look to decrease it back to make sure you're staying at 70%, not overpaying the premium. We can also, down the track, include additional contributions to mitigate and offset the effect of those premiums as well. I didn't recommend that. I did think about doing it, but it was something that we discussed, and you've neither of you were comfortable adding additional contributions yet. Life is very expensive\n\nChannel 1: Mhmm.\n\nChannel 0: still. So we can down the track you know, look at additional contributions to offset the cost of those premiums as well.\n\nChannel 1: Mhmm.\n\nChannel 0: I do also have to note that because of what was disclosed, the underwriters did let us know that when you go to application, they will request, like, doctor's reports to show, you know, what the doctor's records have. They will also possibly request, you know, new medical new medicals to be done in order to put the policy in force. That means that\n\nChannel 1: Mhmm.\n\nChannel 0: a nurse may, you know, contact or you they may ask you to go see your doctor to be able to have those medicals done so they can assess it. If there is anything that comes out that we're not aware of or that increases the risk, there is a risk of a decline of that income protection policy as well. So I just wanted to show you what this looks like and be open and honest with you with how what this, you know, what's expected with regards to this. And then you get to decide what you're comfortable with and how you would like to proceed with the income protection side of things. Does that make sense?\n\nAnd do you\n\nChannel 1: Yeah.\n\nChannel 0: have any\n\nChannel 1: Yeah.\n\nChannel 0: questions?\n\nChannel 1: Absolutely. So if they decline the policy, which I think previously when\n\nChannel 0: Mhmm.\n\nChannel 1: we first signed up, they did. So I just go back to what I already have existing. Is that right? Or\n\nChannel 0: Mhmm. Yeah.\n\nChannel 1: okay.\n\nChannel 0: Yeah. Correct. So what you have currently saved as it is, there's no change there in any way, shape, or form. It just means that if they decline that policy, we can't take that new ClearView policy there.\n\nChannel 1: Alrighty.\n\nChannel 0: But yeah. Yeah.\n\nChannel 1: Alright.\n\nChannel 0: Yeah.\n\nChannel 1: Okay.\n\nChannel 0: Yeah.\n\nChannel 1: As long as that's\n\nChannel 0: Beautiful.\n\nChannel 1: still coverage if they decline it.\n\nChannel 0: Absolutely. Yeah. Absolutely. And that's why we're I'm glad we've got that group cover already in place because that is kind of your backup protection. That will not change.\n\nThat stays there regardless. This newer policy, if it's declined, if it doesn't affect that current group cover policy you have. Okay. Yeah.\n\nChannel 1: Okay.\n\nChannel 0: And then when you when you do look at the appendices, if you scroll into that document to the basically, the end, you'll see there is a insurance comparison showing the lower level of cover, the lower premium, and the lower projection table for you as well just so\n\nChannel 1: Mhmm.\n\nChannel 0: you can consider the differences. And you're welcome to let me know if you have any questions or wanna look at alternatives, and it's it's really just handed off on what you're comfortable with. Okay?\n\nChannel 1: Okay. Yep.\n\nChannel 0: Beautiful. Sorry. I know it's a lot to go through. I just wanted to\n\nChannel 1: No.\n\nChannel 0: be honest\n\nChannel 1: That's alright.\n\nChannel 0: and open and let you know it's all out there so you know what to kind\n\nChannel 1: Yep.\n\nChannel 0: of expect and what could happen. And I've also got in there a lot of information. So when you go back and read the advice document, I've got the best interest duty noted on all the different areas of the advice for you to have a look at. It relates\n\nChannel 1: Mhmm.\n\nChannel 0: it back to your goals. We've also got the advantages, the disadvantages, and the risks outlined there for you as well. Okay? Excellent. If I can get you to scroll down for me just to page number 33, there's a table here I just wanted\n\nChannel 1: Okay.\n\nChannel 0: to take you through really quickly.\n\nChannel 1: Yes. Yeah.\n\nChannel 0: Beautiful. So this one here, you'll see the table there under the outcomes, and that's essentially showing you the projection table above. But we also have to note that there is an effect. So paying for insurances out of super does have an effect on your retirement income. And this shows you the same projection table above, but it also shows if you were not paying for insurances out of super, you can see the same projection table and showing over the next five to ten years where your super could end up.\n\nIt's essentially showing you the projected impact that your insurance premiums recommended have against your current scenario versus if you didn't pay for insurance. So it's just showing you the impact that we can see the insurance premiums have on your super over the next five to ten years. Does that make sense?\n\nChannel 1: Yep. Yep. That makes sense.\n\nChannel 0: Yep.\n\nChannel 1: Would\n\nChannel 0: Yeah.\n\nChannel 1: that add, like, an extra additional year? So, like, you said, oh, roughly we wanna retire at 60. Does\n\nChannel 0: Beautiful.\n\nChannel 1: that now become like, oh, okay. It might have to be, like, 65 because we're, you know, taking on the well, because I'm taking on this life insurance, like, if I am successful\n\nChannel 0: No.\n\nChannel 1: with application.\n\nChannel 0: That is a really that is a really good question, and, no, it definitely does not. So,\n\nChannel 1: Okay.\n\nChannel 0: essentially, what I'd be looking to do is we're projecting things over the next five to ten years. This puts you in a really good place, but I wanna kind of also look at down the track making additional contributions and building on this starting point. So we can minimize the impact of those insurance premiums by increasing contributions in something as little as, say, $50 per fortnight could have a much greater impact for you long term and\n\nChannel 1: Mhmm. Okay.\n\nChannel 0: offset some of those insurance premiums as well. We also just wanna make sure those insurances stay in line with what you need. So if your income fluctuates and changes that we owe to that, these insurances do increase each year as they go through renewal, so keeping them and bringing them back in line with your needs as often as needed as well to keep the cost low. And then also looking at maybe other ways to mitigate the risk. If you decide to then invest in your own name or have savings and\n\nChannel 1: Mhmm.\n\nChannel 0: build a buffer, we can also then look to reduce the amount of insurances you need because you've got that buffer or that safety net, whether it be an investment or other savings through cash on budgeting that you can fall back on, and that can also provide a bit of a buffer and reduce the need for those insurances as well. So there's\n\nChannel 1: Okay.\n\nChannel 0: definitely other things that we can do to build on this. I still wanna make sure that you're able to retire at the age of 60 if that's what you want and\n\nChannel 1: Mhmm.\n\nChannel 0: try to look at ways to build and and make sure that happens for you both. Okay?\n\nChannel 1: Mhmm.\n\nChannel 0: Yep. Perfect. Do you have any questions that are coming out of any of this? Please let me know if you do.\n\nChannel 1: No. Not at the moment. No. No. All is good.\n\nChannel 0: No. That's okay. Beautiful. Now scrolling down to the next section is on page number 37, and this is the third year.\n\nChannel 1: Sorry. Sorry. I was just my daughter rang, so my son's training. Sorry.\n\nChannel 0: Oh, that's That's okay. You're fine.\n\nChannel 1: 373737.\n\nChannel 0: Yep.\n\nChannel 1: Oh, it says oh, have I missed what? That's Sergio's strategy recommendation. Is that right? Is that what we're up\n\nChannel 0: Yep.\n\nChannel 1: to? 37?\n\nChannel 0: That's\n\nChannel 1: Oh, okay.\n\nChannel 0: that's\n\nChannel 1: Good.\n\nChannel 0: the one. Yep.\n\nChannel 1: You've been doing all this\n\nChannel 0: Is Sergio there?\n\nChannel 1: Yes. Sorry. He's on the phone just speaking to my daughter. Sorry. I'm so sorry.\n\nChannel 0: No. That's fine.\n\nChannel 1: They're just trying\n\nChannel 0: No. No.\n\nChannel 1: to\n\nChannel 0: You have\n\nChannel 1: my daughter\n\nChannel 0: nothing.\n\nChannel 1: took my son to training. So so they're just trying to sort it out as to where\n\nChannel 0: That's\n\nChannel 1: he's supposed to be.\n\nChannel 0: yeah. That's not a problem at all.\n\nChannel 1: Yeah. Okay. Alright. Here you go. Okay.\n\nIt's up to you now. Oh, you're very looking. You're very following. Oh, he is following on his phone. There we go.\n\nThat's the thirty\n\nChannel 0: Okay.\n\nChannel 1: seven. Yeah. Let me just find\n\nChannel 0: Yeah.\n\nChannel 1: out. Yep. Alright. He's ready.\n\nChannel 0: Perfect. Excellent. All good. So, Sergio, this is for you. This is essentially with regards to your super recommendation.\n\nI did have a look at your super as well as all the other ones out there and the investments. Again, I am recommending you retain Hub 24. One of the good things about with Hub 24 is the two of you are linked in the back end, so it helps to mitigate other fees as well, and you have the aggregation behind you. So it helps to lower the admin fees where possible, which is good. Hub 24 does still work in your advantage because it does give you a lot of different investment options there.\n\nIf I can get you to scroll down for me to page number 41, I can take you through your projection side of things.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Now the the table shows your current balance sitting at 4 at 74,562 with your admin fees, investment fees, the ongoing service fee for us looking after everything, your contributions going in, and your insurance premiums coming out there. And you're in that high growth environment. You sort of talked about how you're both in those different risk profiles and how, Angela, you are comfortable being more growth, and,\n\nChannel 1: Mhmm.\n\nChannel 0: Sergio, you wanna take a bit more risk because your balance is lower. You wanted to sort of have things working a bit harder. So you remind that high growth environment, which is a 10% split between growth to defensive investment. When I went back and had a look at how your current portfolio is performing, you've got some underperforming investments in there, and it's averaged about 4.28%. I was definitely not impressed with that.\n\nSo I wanted to go back and remove those investments out of there for you and update your portfolio to make sure it is working a bit harder. The good thing\n\nChannel 1: Alright\n\nChannel 0: I was\n\nChannel 1: then.\n\nChannel 0: able to work out was by by switching those investments, you'll see in the differences column, there's no fee there. I was able to make sure that any underperforming investments were offsetting any capital gains. So to switch your investments around, there's no capital gains effect for your super.\n\nChannel 1: Okay.\n\nChannel 0: Yeah. Yeah. It's good. It means the balance stays the same. When you do have capital gains, and sometimes it's unavoidable.\n\nLike with yours, Angela, I tried to mitigate it as much as possible, but we just couldn't get it any lower whilst making sure\n\nChannel 1: Mhmm.\n\nChannel 0: things work a bit harder. But, essentially, with the capital gains, once that switch happens, that capital gains is essentially paid for or deducted. So it does affect you. The recommended balance will change that. So so, yeah, because yours has no capital gains, your super balance for the recommended column is exactly the same as it currently is, which is good.\n\nYour investment yeah. Your investment fees stay the same, but I was all sorry. Your admin fees stay the same. Sorry. But I was able to help lower your investment portfolio cost as well.\n\nSo instead of paying $540 a year, I can reduce your investment fees to $234. It saves your\n\nChannel 1: Mhmm.\n\nChannel 0: it saves you or your super $306 per year in investment fees, which is a positive.\n\nChannel 1: Yeah. Yeah. Very good. Very positive. Yeah.\n\nChannel 0: The ongoing service fee does increase just slightly because we account for growth by $23 for the year, very minimal, which is good. Your contribution stay the same, and there's no change to your insurance because you were happy with them, so the premiums remain the same there as well. The other thing I do like about this high growth portfolio for you, it has a much greater past performance. Over the past five years, it's averaged 10.83%. So if this portfolio can obtain what it has and keep in mind, you can see on the next page, over the next five to ten years, your super balance could grow pretty significantly.\n\nChannel 1: So in the next\n\nChannel 0: Can\n\nChannel 1: page.\n\nChannel 0: you see that down the next page? Yes. Sorry.\n\nChannel 1: Yes. It's in green. Yeah. This one? Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. So in in the newer portfolio over the next five years, you could end up with a 119,000 or over the next ten years sitting at a 180,000 there as well. And this is just a starting point. So the same as with yourself, Angela, we can look at down the track additional contributions to help provide us a benefit there. If you guys the income increases, that means that the the contributions going in will automatically increase there as well.\n\nSo there's other things that we can do to build on this. It's just\n\nChannel 1: Mhmm.\n\nChannel 0: about looking at where we're tracking now with these recommendations. Okay.\n\nChannel 1: Yeah. That's great.\n\nChannel 0: Excellent. Now if you go down to the next page, that's the page that's gonna have the changes to be made to your super with regards to the investment plan.\n\nChannel 1: Yeah. Oh, your search has got the page. Yep. It's good right\n\nChannel 0: Yes.\n\nChannel 1: now.\n\nChannel 0: Beautiful.\n\nChannel 1: Yeah. Got it.\n\nChannel 0: Yeah. So just sort of running through these, and I said, yeah, your portfolio was a bit older than Angela's was, so there was definitely a few more investments to look at maybe switching out for you. But we've also got\n\nChannel 1: Mhmm.\n\nChannel 0: at the top there the Benelon Australian equities. That was the one that we discussed last time was underperforming pretty heavily. We're gonna knock that straight out of your portfolio and take it down to zero, so remove that completely. You've also got the Vanguard diversified index. That one there has also not been performing as well as it should have been, so we are removing that completely from your portfolio.\n\nChannel 1: Mhmm.\n\nChannel 0: You've also got that cybersecurity. You both have this investment. It's giving you access to global cybersecurity, and it's essentially also giving you access to some tech as well. We are keeping that in the portfolio. There is still a place and some growth to obtain from that one.\n\nYou're a bit underweight at the moment. You wanna hold 7%. You're sitting at about 6.35, so we're gonna buy a little bit more of that investment for you. We've also got the battery and lithium tech. We are holding tech in other areas.\n\nSo battery and lithium and the one below that, the the MorningStar Global tech, they are gonna be removed out of your portfolio. They have done really well, but we can still hold tech in other ways, and it makes the portfolio cheaper for you as well.\n\nChannel 1: Mhmm.\n\nChannel 0: Underneath that, you've got the iShares Europe investment. That one is coming out of there as well. We'll still hold exposure to it. We just don't need to hold that investment. And then the s and p 500 is the one below that.\n\nThat is, again, giving you access and exposure to the top 500 companies within The US. It is still a great place for the investment. It does see ups and downs, but you do see good growth in international equity. So we wanna keep 25% of this investment. You are a bit overweighted.\n\nYou currently hold 32.65 percent there. We're gonna sell some of that and just rebalance your portfolio back to 25%. You've also got the iShares Asia. We are removing that completely from the portfolio. It's kinda underperforming a little bit.\n\nIt has been great over the past few years, but it is time to remove it out to replace that and still give you exposure. And then the Van Eck China new economy. This investment you had about 2% off, it hasn't been performing. China really didn't do what it was supposed to, and there's still quite some high tensions there as well. So we are just gonna remove that from the portfolio because there is a risk of it underperforming better than what it already has.\n\nOkay. Underneath that, where we're gonna buy into replace some of those ones that we're removing, we'll give you exposure to the India quality ETF. So India has been some really good growth. You wanna see more growth there, and we can see growth coming. So we'll see about 7% of that investment there for you.\n\nUnderneath that,\n\nChannel 1: Mhmm.\n\nChannel 0: you've got global health care. They're giving you access and exposure to the health care sector globally, and we wanna hold 7% in that investment. We have seen some good growth, wanna see good growth moving forward, and this is giving you exposure to health care in general, but also the tech side of things. And there's a lot of changes coming within that space, so it is good to have that invested in your portfolio. You will also see underneath that the beta shares Rafi of Australia two hundred.\n\nSo this is giving you some exposure into the Australian market. We are holding that investment at about 15% for your portfolio. And to give you some more exposure to the Australian market, we're also holding underneath that the a 200. So these two investments are giving you exposure to essentially some of the top technically 400 companies on the ASX. It's not necessarily buying the same country companies.\n\nIt weights differently depending on, you know, what companies fit the two portfolios, which is great. So it's not holding the same companies over and overexposing you in any way. Together, they will be about 25% of your portfolio, Sergio, and it's about looking at making sure we're getting some Australian exposure because Australia does provide and has provided some good growth, not as much as international equities, but we still need to hold some Australian companies. They do provide good good growth and exposure there for you. Okay?\n\nChannel 1: Okay.\n\nChannel 0: Underneath, we also have that day reg, the JT Morgan Global where you said enhanced equity funds. So one of the things that you both were comfortable with was having a little bit of active management here. So with this portfolio, with this investment, it does it's a it's a passively managed fund, but it has a small active component, which is great. So it's a cheap investment to hold, and it has some active management. It utilizes JPMorgan's research team to pick and choose areas of growth, and they add additional investments in utilizing that.\n\nIt's also global, so it's also giving you great diversification. As much as you're in that high growth environment, we still want to see that ninety ten split and take a bit more risk to get returns. But where we can humanly possible mitigate risk, we wanna also look at doing that. So diversification is one of the best ways to mitigate market risk and spreading that risk level across different asset classes, different countries, and also different areas of investment. So that's one of the good things we do wanna have in here, and this investment has been some really good growth as well.\n\nOkay. Underneath that, which kinda goes on to the next page a little, you've got your physical gold. Physical gold has been really good growth. We still expect it to. We wanna hold 7% in your portfolio.\n\nWe'll have physical physical gold in both your portfolios, essentially. One of the good things is physical gold is a growth investment. It does see fantastic growth, but it is also a defensive investment at times because if you think back to the GFC or when markets or equities don't perform as well, people move money into physical gold as a bit of a safe haven. So it's a growth asset that can act defensively when it needs to as well, and we all love a bit of physical gold. So holding 7% in your portfolio is good.\n\nAnd then you've also got core composite bonds. This is giving you exposure to both government and corporate funds. It's essentially holding about 7%. This newer portfolio, when you both sort of have a look, it's the same portfolio for the both of you. It's just basically in different weighting.\n\nAnd, Angela, you also have a little bit more defensive. So you've got the iShares\n\nChannel 1: Yes.\n\nChannel 0: yield plus. So this is the different weighting giving you so you get more high growth for the asset allocation, other making sure that you're, you know, looking at a good diversified portfolio that's low cost, has shown good past performance, and looking to mitigate as much CGT to change the portfolio as possible. Does that make sense? Do you have any questions about this at all?\n\nChannel 1: No. No.\n\nChannel 0: Beautiful. Excellent. If you scroll down for me to page number 46, this here is just recommending that we retain your life, your CPD, and your income protection within within a center. Just keeping as is, you may mention that you were comfortable with the level of cover you have between your life, your TPD, and your income protection level is as per your current income. So it does work and is at the right level there.\n\nSo we're recommending to retain that exactly as it is, and we'll just make sure that moving forward, we do, you know, reevaluate those levels of cover with you and make alterations as they needed. Okay?\n\nChannel 1: Okay.\n\nChannel 0: Beautiful. Down on page number 48, I also have that same projected table that shows you the effect of having insurances paid out of super on your on your super balance over the next five to ten years.\n\nChannel 1: Mhmm.\n\nChannel 0: Beautiful. So you'll see here with this under the outcome there, you've got your current table that shows your current portfolio, your current projected outcome, current fees, and then the recommended is the recommended side of the above table again. So retaining your current insurance premium, but the new portfolio projected over the next five to ten years. The last column shows the same recommended for newer portfolio projected. However, if you did not pay any insurances out of your super fund.\n\nSo it's essentially showing you with the recommended over the next five to ten years, we understand that insurance premiums have an impact on your balance, and this shows you that impact over the next five to ten years based on the recommended side of the table. Okay.\n\nChannel 1: Okay.\n\nChannel 0: Beautiful. From there, if I can get you to skip a few pages and go to page number 50, this is just looking at the beneficiary.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: Beautiful. So this is for the both of you just recommending that we realign your beneficiary nominations on your hub 20 four super and, Sergio, your ascender life insurance policy so that if in the event that one you passes away, your super benefit and your life insurance is paid to the other spouse. That allows you then to keep paying down debts and covering bills and things like that. And then if you scroll down even lower, we've got the recommendation to speak to a solicitor and have a will and power of attorney drawn up. And these essentially allow you to then account for the other side of it where if something happens to the both of you, that how would that money be held in trust to your kids, how would it be paid out, what you wanted to have it you know, what percentage you want to have it paid out in, and how you wanted that to work.\n\nSo it's\n\nChannel 1: Alright.\n\nChannel 0: yeah. So, essentially, you'll see for beneficiaries cover if one of you was passed away, and then the contingency is placed in a will and having that done through a qualified solicitor can help you to make sure that those are up to date, correct,\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: and reflective of your wishes. Okay.\n\nChannel 1: Okay. Yeah. So Cedric just\n\nChannel 0: Beautiful.\n\nChannel 1: said that he just had to duck out or duck to the bathroom.\n\nChannel 0: Oh, that's\n\nChannel 1: So so\n\nChannel 0: that's\n\nChannel 1: you'll be\n\nChannel 0: absolutely\n\nChannel 1: just talking to me\n\nChannel 0: fine.\n\nChannel 1: for a bit.\n\nChannel 0: That's not a problem at all. Angela, if I can get you to scroll down to page number 59 for me, the last little things I need to show you are just the remuneration side of things.\n\nChannel 1: It'll be fine with him, so now I have to go back on my phone.\n\nChannel 0: Oh, I'm\n\nChannel 1: Oh, I get no. No. No. I know you.\n\nChannel 0: so\n\nChannel 1: Fifty fifty. And 59. Yes. I can see it now.\n\nChannel 0: sorry. Beautiful. So this is the remuneration side of things. Now there is no upfront cost for the advice. It's all part of you being an ongoing client, and we don't charge anything new for the advice pieces with relation to super or insurances.\n\nIt's all part of us working towards your goals and updating advice as appropriate and in and in your best interest. However,\n\nChannel 1: Mhmm.\n\nChannel 0: I do need to show you that with the insurances, we do receive ongoing remuneration. So if you do go ahead with the Clearview policy, we do receive remuneration from ClearView. Not paid by you. It's from them. To us, we received 66% of the first year's premium and 22% that are ongoing after that.\n\nSo that is the two tables they're outlined, and it's also showing\n\nChannel 1: Mhmm.\n\nChannel 0: your ongoing service fee at the bottom. You currently are on that 1.10% structure with Sergio.\n\nChannel 1: Yes.\n\nChannel 0: Excellent. And then on the next page, we've also got Sergio's ongoing remuneration. So his ascender or MLC, which is now a sender policy, is already enforced. So we just received 22% there ongoing of the premium.\n\nChannel 1: Mhmm.\n\nChannel 0: And, again, he's on that 1.10% for the fee structure for our ongoing services. I just like to make sure I go through that with you and show you. The recommendation for the Clearview policy isn't for me, it's not about the remuneration side of things. I like to be upfront and honest with you about what we receive and how that works, But the recommendation has been produced in line with your goals to make sure that you're able to essentially claim an amount that covers that helps to provide for expenses in the event that you're off work due to illness or injury, and the\n\nChannel 1: Mhmm.\n\nChannel 0: recommendation is there for you to review. I've also gotten the appendices, the difference, the alternative, where if you're happy to take a lower amount of income protection, that the cost could also be lower, and it has a much smaller effect on your super as well. So\n\nChannel 1: Okay.\n\nChannel 0: we outline the recommendations, the advantages, the disadvantages, and the risks involved, and I show you and honest with you about all of that, and then you get to decide what you're comfortable taking it. If you decide not to take the Clearview policy, that is absolutely fine. It's just gonna be what you're comfortable with, and\n\nChannel 1: Mhmm.\n\nChannel 0: I'll show you how the advice works and how we meet your goals to to kinda get you to that point. Okay?\n\nChannel 1: Okay.\n\nChannel 0: Excellent. Once you've kinda gone through that, if you are happy to proceed, on the very bottom page of that document and please take some time to read it through because I know it\n\nChannel 1: Yeah.\n\nChannel 0: is absolutely a lot. But on page six sixty four, we do have the signing section. So once you've kinda gone through, you've had a good read of it and talked about it, if you decide to take all the advice, we get you to sign and return that\n\nChannel 1: Mhmm.\n\nChannel 0: back. If\n\nChannel 1: Yes.\n\nChannel 0: there is any part of the advice you don't wish to proceed with, you'll see those colored boxes at the top there. Mine's saying multiline. I'm not sure\n\nChannel 1: Yes.\n\nChannel 0: what yours say. But you can always write in that box any area that you don't wish to proceed with. So if you want\n\nChannel 1: Yep.\n\nChannel 0: to not take the ClearView policy, if you wanna take the one in the appendices and look at discovering 50% of your income, you\n\nChannel 1: Mhmm.\n\nChannel 0: just make a little note in that box there. And when the document comes back to us, we check that, and we make sure we move forward in line with what you're comfortable with. Does that make\n\nChannel 1: Okay. Yeah. Yeah.\n\nChannel 0: sense?\n\nChannel 1: That makes perfect.\n\nChannel 0: Yep. Beautiful. And if you scroll back up there for me, just to page 63, this outlines how we will implement the advice if you decide to take it all on board. Essentially, step one is that you sign and return the document back. Step two is we'll do the investment switch for each of your supers first.\n\nWe'll get those supers done and remove those underperforming investments, and then we'll book you in to go to the in the income protection increase application or the increase the application for your income protection. That\n\nChannel 1: Mhmm.\n\nChannel 0: will go through the underwriting team, and we'll keep up to date with you to see how that's going as it is assessed. Then we also make sure we send out those beneficiary nominations so they can be signed, returned, and have those beneficiaries up to date. And then the last step is just making sure you speak to us, Lisa. We can refer you to one, or if there's one that\n\nChannel 1: Fifth\n\nChannel 0: local\n\nChannel 1: Guarco\n\nChannel 0: that\n\nChannel 1: Place.\n\nChannel 0: you're comfortable talking to, then you can always make sure you text them. But just doing a pure will and power of attorney is the last step of the advice document. Okay.\n\nChannel 1: Okay.\n\nChannel 0: Beautiful. Now I know there is a lot. I'll let you guys go back and have a read through it.\n\nChannel 1: Yep.\n\nChannel 0: Let me know if you do happen to have any questions at all. I know my team will definitely check-in to see if there's anything they can answer, and if you are happy to take the advice to get you signed and return it back. Now I\n\nChannel 1: Okay.\n\nChannel 0: just need to let you know I am off for the next two weeks. I'm having a small break. I will make sure that if I haven't heard from you beforehand that I do touch base, whether by\n\nChannel 1: Yep.\n\nChannel 0: email when I return on the twenty eighth. Just to\n\nChannel 1: Mhmm.\n\nChannel 0: see if you have any questions there.\n\nChannel 1: Yep.\n\nChannel 0: But at the moment, is there anything that's kinda come up question wise that either of you can think of? Or\n\nChannel 1: Well, no. Nothing's kind of out, like, I thought because I think I've asked the questions as I went. But\n\nChannel 0: Yeah.\n\nChannel 1: when do you want this kind of well, when do you want the signing done by? Just that way, we've got a deadline I could put in my calendar so I can we can get all of this done.\n\nChannel 0: Yeah. No. You're right. So there's no real deadline for you. It's when you're comfortable to do\n\nChannel 1: Okay.\n\nChannel 0: so. If you're happy with the recommendations and wanna take them all on board, then we'll just\n\nChannel 1: Yeah.\n\nChannel 0: need to sign and return it back as soon as possible. That would be great so we can implement\n\nChannel 1: Okay.\n\nChannel 0: everything for you and get the investments which is at least done. But\n\nChannel 1: Yeah.\n\nChannel 0: if you wanna take a second to read it, you do actually have sixty days. The advice document is valid for sixty days. And as long as you sign and return back within that time frame, that's absolutely valid and fine. Okay.\n\nChannel 1: Okay. Yeah. Fantastic.\n\nChannel 0: Beautiful. Excellent. I know it's a lot, so I always make sure I give you guys chance to read it and take some time because\n\nChannel 1: Yep.\n\nChannel 0: I know it's a lot. But I really appreciate you allowing me to put this together. I've really enjoyed doing the research and putting it together and looking at ways that we can boost your super and make some changes, and there's\n\nChannel 1: Yeah.\n\nChannel 0: this is just the starting point. There's other things that we can do to kinda build on that down the track for you both as well. Okay.\n\nChannel 1: Yeah. Thank you. No. Thank you for taking your time and trying to get the best out of it all for us. Thank you.\n\nWe do appreciate it.\n\nChannel 0: That's not a problem at all. I will let you go. I hope you both have a lovely evening and a wonderful weekend. And if I don't hear anything back, I would touch base when I return on the September 28. Okay?\n\nChannel 1: Oh, fantastic. And enjoy your well deserved break.\n\nChannel 0: Oh, thank you so much, Angela. Thanks for taking my call. Enjoy your evening. Say bye,\n\nChannel 1: You\n\nChannel 0: and thank\n\nChannel 1: too.\n\nChannel 0: you to Sergei for me.\n\nChannel 1: No worries. Bye.\n\nChannel 0: Thanks. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.4399999,"end":1.9399999,"sentiment":"neutral","sentiment_score":0.03163997828960419}],"sentiment":"neutral","sentiment_score":0.03163997828960419,"channel":1,"num_words":1,"start":1.4399999,"end":1.9399999},{"sentences":[{"text":"Hi, Angela.","start":2.72,"end":3.52,"sentiment":"neutral","sentiment_score":0.13759468495845795},{"text":"It's Dana from Okie Financial.","start":3.52,"end":5.22,"sentiment":"neutral","sentiment_score":0.17203730642795562},{"text":"How are you?","start":5.44,"end":6.3399997,"sentiment":"neutral","sentiment_score":0.1827200005451838}],"sentiment":"neutral","sentiment_score":0.16835359036922454,"channel":0,"num_words":10,"start":2.72,"end":6.3399997},{"sentences":[{"text":"Oh, good.","start":6.24,"end":6.8799996,"sentiment":"positive","sentiment_score":0.47559525072574615},{"text":"Thanks.","start":6.8799996,"end":7.12,"sentiment":"positive","sentiment_score":0.5749250650405884},{"text":"How are 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fine.","start":734.72,"end":735.44,"sentiment":"neutral","sentiment_score":0.07535374723374844},{"text":"You're","start":735.44,"end":735.75995,"sentiment":"neutral","sentiment_score":0.23163828253746033}],"sentiment":"neutral","sentiment_score":0.08555755391716957,"channel":0,"num_words":4,"start":734.56,"end":735.75995},{"sentences":[{"text":"four.","start":735.75494,"end":736.25494,"sentiment":"neutral","sentiment_score":0.26880934834480286}],"sentiment":"neutral","sentiment_score":0.26880934834480286,"channel":1,"num_words":1,"start":735.75494,"end":736.25494},{"sentences":[{"text":"good.","start":735.75995,"end":736.25995,"sentiment":"positive","sentiment_score":0.4648994207382202},{"text":"Essentially, with this one here, it's showing you the recommended and the comparison table there.","start":737.12,"end":741.27997,"sentiment":"neutral","sentiment_score":0.21108339230219522},{"text":"So you've got your current situation balance of 186,433 with the admin fees, investment fees, the ongoing service fee we charge, and your contributions going in with your current insurance premiums noted there as well.","start":741.27997,"end":755.53503,"sentiment":"neutral","sentiment_score":0.14603339114359448},{"text":"Within your portfolio, you're a growth investor.","start":756.315,"end":758.97,"sentiment":"neutral","sentiment_score":0.13925998445068086},{"text":"We talked about how that's got that eighty twenty split of in of growth and defensive investments, and when we kind of assess that you are happy to stay in that growth portfolio.","start":759.76996,"end":768.18994,"sentiment":"neutral","sentiment_score":0.11922689030567805}],"sentiment":"neutral","sentiment_score":0.1500178710608692,"channel":0,"num_words":91,"start":735.75995,"end":768.18994},{"sentences":[{"text":"The current portfolio you're in with the current investments, when we look at how that's averaged over the past five years, it's roughly about 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bad.","start":868.825,"end":871.06006,"sentiment":"neutral","sentiment_score":0.22718150913715363}],"sentiment":"neutral","sentiment_score":0.22718150913715363,"channel":0,"num_words":6,"start":868.825,"end":871.06006},{"sentences":[{"text":"Yep.","start":870.81,"end":871.31,"sentiment":"neutral","sentiment_score":0.14172214269638062}],"sentiment":"neutral","sentiment_score":0.14172214269638062,"channel":1,"num_words":1,"start":870.81,"end":871.31},{"sentences":[{"text":"And","start":871.44,"end":871.68005,"sentiment":"neutral","sentiment_score":0.08140429109334946}],"sentiment":"neutral","sentiment_score":0.08140429109334946,"channel":0,"num_words":1,"start":871.44,"end":871.68005},{"sentences":[{"text":"Mhmm.","start":871.61,"end":872.11,"sentiment":"neutral","sentiment_score":0.06651432067155838}],"sentiment":"neutral","sentiment_score":0.06651432067155838,"channel":1,"num_words":1,"start":871.61,"end":872.11},{"sentences":[{"text":"then you've got your employer contribution still going in.","start":871.68005,"end":874.74005,"sentiment":"neutral","sentiment_score":0.05186674288577504},{"text":"The other thing I will go through with you in a minute is the insurance premium.","start":874.88,"end":878.42004,"sentiment":"neutral","sentiment_score":0.012512685148976743},{"text":"Now this was higher.","start":878.56006,"end":879.84,"sentiment":"neutral","sentiment_score":-0.1109215710312128},{"text":"It is a bit more about $5,000 higher, and that is because of the cost of the income protection that I'm able to recommend for you.","start":879.84,"end":887.065,"sentiment":"neutral","sentiment_score":-0.041006668184239134},{"text":"I have a a another option.","start":887.685,"end":890.34503,"sentiment":"neutral","sentiment_score":0.05036590931316217}],"sentiment":"neutral","sentiment_score":-0.008863287748860532,"channel":0,"num_words":61,"start":871.68005,"end":890.34503},{"sentences":[{"text":"It was an alternative that I've considered in the appendices, but I'll take you through what this looks like first.","start":890.405,"end":895.685,"sentiment":"neutral","sentiment_score":0.06119246436282992},{"text":"But just so you","start":895.685,"end":896.405,"sentiment":"neutral","sentiment_score":0.010637304047122598}],"sentiment":"neutral","sentiment_score":0.05276660431021204,"channel":0,"num_words":24,"start":890.405,"end":896.405},{"sentences":[{"text":"Okay.","start":896.4,"end":896.9,"sentiment":"neutral","sentiment_score":0.03731341660022736}],"sentiment":"neutral","sentiment_score":0.03731341660022736,"channel":1,"num_words":1,"start":896.4,"end":896.9},{"sentences":[{"text":"can see, the expected increase for increase in your income protection policy there as well.","start":896.405,"end":902.3,"sentiment":"neutral","sentiment_score":0.07394541079799334},{"text":"Okay?","start":902.3,"end":902.8,"sentiment":"neutral","sentiment_score":0.10014094412326811},{"text":"The other thing we wanna look at is how the newer portfolio has sort of grown and 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five to ten years.","start":928.61,"end":931.25,"sentiment":"neutral","sentiment_score":0.17141464948654175},{"text":"So this is sort of showing you your current if you stay where you are with the same insurances in the same portfolio over the next five to ten years, you could essentially end up with about 275,000 or over 380,000 within sleep in the next ten years, which is 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at","start":983.7,"end":986.5,"sentiment":"neutral","sentiment_score":0.07204041859278312}],"sentiment":"neutral","sentiment_score":0.21522472275509721,"channel":0,"num_words":42,"start":973.815,"end":986.5},{"sentences":[{"text":"Okay.","start":986.4,"end":986.9,"sentiment":"neutral","sentiment_score":0.05325009673833847}],"sentiment":"neutral","sentiment_score":0.05325009673833847,"channel":1,"num_words":1,"start":986.4,"end":986.9},{"sentences":[{"text":"all?","start":986.5,"end":987.0,"sentiment":"neutral","sentiment_score":0.02215698733925819}],"sentiment":"neutral","sentiment_score":0.02215698733925819,"channel":0,"num_words":1,"start":986.5,"end":987.0},{"sentences":[{"text":"No.","start":988.16,"end":988.48,"sentiment":"neutral","sentiment_score":-0.030118102207779884},{"text":"Not just yet.","start":988.48,"end":989.52,"sentiment":"neutral","sentiment_score":-0.039124008268117905},{"text":"Like 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portfolio.","start":1017.96,"end":1025.985,"sentiment":"neutral","sentiment_score":0.10939716051022212}],"sentiment":"neutral","sentiment_score":0.1936615893085088,"channel":0,"num_words":56,"start":1010.28,"end":1025.985},{"sentences":[{"text":"Okay.","start":1026.885,"end":1027.385,"sentiment":"neutral","sentiment_score":0.2137256860733032}],"sentiment":"neutral","sentiment_score":0.2137256860733032,"channel":1,"num_words":1,"start":1026.885,"end":1027.385},{"sentences":[{"text":"Beautiful.","start":1028.605,"end":1029.105,"sentiment":"positive","sentiment_score":0.33567124605178833},{"text":"So to make this a bit easier, because there is a lot going on here in that table,","start":1029.485,"end":1033.025,"sentiment":"neutral","sentiment_score":0.17671596755584082}],"sentiment":"neutral","sentiment_score":0.18508203484510122,"channel":0,"num_words":19,"start":1028.605,"end":1033.025},{"sentences":[{"text":"Mhmm.","start":1032.54,"end":1033.04,"sentiment":"neutral","sentiment_score":0.08228908479213715}],"sentiment":"neutral","sentiment_score":0.08228908479213715,"channel":1,"num_words":1,"start":1032.54,"end":1033.04},{"sentences":[{"text":"the first column outlines will be individual investments that both you currently have and that we're gonna add into the portfolio.","start":1033.165,"end":1039.14,"sentiment":"neutral","sentiment_score":0.07403988284724099},{"text":"What we're","start":1039.44,"end":1039.84,"sentiment":"neutral","sentiment_score":0.0476831141859293}],"sentiment":"neutral","sentiment_score":0.07174798992017041,"channel":0,"num_words":23,"start":1033.165,"end":1039.84},{"sentences":[{"text":"Yes.","start":1039.66,"end":1040.16,"sentiment":"neutral","sentiment_score":0.07146602869033813}],"sentiment":"neutral","sentiment_score":0.07146602869033813,"channel":1,"num_words":1,"start":1039.66,"end":1040.16},{"sentences":[{"text":"sort of looking at here to make it easy is that lovely buy sell column with the red and the green.","start":1039.84,"end":1044.98,"sentiment":"neutral","sentiment_score":0.13300375392039618},{"text":"That","start":1045.28,"end":1045.52,"sentiment":"neutral","sentiment_score":0.09983968734741212}],"sentiment":"neutral","sentiment_score":0.1314962963488969,"channel":0,"num_words":22,"start":1039.84,"end":1045.52},{"sentences":[{"text":"Yes.","start":1045.5,"end":1045.845,"sentiment":"neutral","sentiment_score":0.09626634418964386}],"sentiment":"neutral","sentiment_score":0.09626634418964386,"channel":1,"num_words":1,"start":1045.5,"end":1045.845},{"sentences":[{"text":"shows you the investments that will be sold down whether full or partial and what we're gonna purchase in the portfolio for you as well.","start":1045.52,"end":1052.9,"sentiment":"neutral","sentiment_score":0.08693206638097763},{"text":"So to","start":1053.1549,"end":1053.475,"sentiment":"neutral","sentiment_score":0.0375470295548439}],"sentiment":"neutral","sentiment_score":0.08327391550496772,"channel":0,"num_words":27,"start":1045.52,"end":1053.475},{"sentences":[{"text":"Right.","start":1053.445,"end":1053.945,"sentiment":"neutral","sentiment_score":0.045242391526699066}],"sentiment":"neutral","sentiment_score":0.045242391526699066,"channel":1,"num_words":1,"start":1053.445,"end":1053.945},{"sentences":[{"text":"give you a fairly easy rundown, with the battery and lithium tech, we are removing that completely from the portfolio.","start":1053.475,"end":1059.975,"sentiment":"neutral","sentiment_score":0.048093725182116034},{"text":"It has performed really nicely, but we found a much cheaper way to hold that investment for you.","start":1060.2749,"end":1065.8949,"sentiment":"neutral","sentiment_score":0.09091177789701356}],"sentiment":"neutral","sentiment_score":0.06837596067864644,"channel":0,"num_words":38,"start":1053.475,"end":1065.8949},{"sentences":[{"text":"Okay.","start":1066.26,"end":1066.76,"sentiment":"neutral","sentiment_score":0.010699493810534475}],"sentiment":"neutral","sentiment_score":0.010699493810534475,"channel":1,"num_words":1,"start":1066.26,"end":1066.76},{"sentences":[{"text":"You've also got the Benelmong Australian Equities.","start":1066.6799,"end":1069.34,"sentiment":"neutral","sentiment_score":0.007451161409595183},{"text":"That investment is the one that's been underperforming.","start":1069.3999,"end":1071.6599,"sentiment":"neutral","sentiment_score":-0.06437805388122797},{"text":"We talked about getting rid of that and removing it out of the portfolio and replacing","start":1071.88,"end":1076.46,"sentiment":"neutral","sentiment_score":-0.03271021612454206}],"sentiment":"neutral","sentiment_score":-0.031813863199204206,"channel":0,"num_words":31,"start":1066.6799,"end":1076.46},{"sentences":[{"text":"Mhmm.","start":1076.0651,"end":1076.5651,"sentiment":"neutral","sentiment_score":0.004239126108586788}],"sentiment":"neutral","sentiment_score":0.004239126108586788,"channel":1,"num_words":1,"start":1076.0651,"end":1076.5651},{"sentences":[{"text":"that with something else.","start":1076.5199,"end":1077.88,"sentiment":"neutral","sentiment_score":0.0051033273339271545},{"text":"So that'll be fully sold down for you.","start":1077.88,"end":1080.38,"sentiment":"neutral","sentiment_score":0.06529676308855414},{"text":"We've also got the a BetaShares Bank hybrid.","start":1080.855,"end":1084.475,"sentiment":"neutral","sentiment_score":0.04007760528475046},{"text":"Now these are actually being phased out by the government in the next couple of years.","start":1084.535,"end":1088.295,"sentiment":"neutral","sentiment_score":0.02873924234881997},{"text":"So whilst we are making changes, we may as well remove that from your portfolio and replace it with something else so that things can work a bit harder for you down the track.","start":1088.295,"end":1096.96,"sentiment":"neutral","sentiment_score":0.03547680380699389}],"sentiment":"neutral","sentiment_score":0.0361349637620151,"channel":0,"num_words":70,"start":1076.5199,"end":1096.96},{"sentences":[{"text":"Okay.","start":1097.3201,"end":1097.8201,"sentiment":"neutral","sentiment_score":0.09675316512584686}],"sentiment":"neutral","sentiment_score":0.09675316512584686,"channel":1,"num_words":1,"start":1097.3201,"end":1097.8201},{"sentences":[{"text":"You've also got some physical gold.","start":1099.1,"end":1101.02,"sentiment":"neutral","sentiment_score":0.11450178921222687},{"text":"You're sitting at about 7.8% at the moment.","start":1101.02,"end":1104.08,"sentiment":"neutral","sentiment_score":0.09082608763128519},{"text":"We wanna hold about 8%, so we're gonna buy a little more of that physical gold for you, which has been performing well, and over the longer term, is a really great asset to hold in your state of funds.","start":1104.46,"end":1114.395,"sentiment":"positive","sentiment_score":0.491966075822711}],"sentiment":"positive","sentiment_score":0.39059745313392746,"channel":0,"num_words":54,"start":1099.1,"end":1114.395},{"sentences":[{"text":"Mhmm.","start":1114.05,"end":1114.55,"sentiment":"neutral","sentiment_score":0.09916289150714874}],"sentiment":"neutral","sentiment_score":0.09916289150714874,"channel":1,"num_words":1,"start":1114.05,"end":1114.55},{"sentences":[{"text":"We've also got cybersecurity.","start":1116.695,"end":1118.075,"sentiment":"neutral","sentiment_score":0.18092361465096474},{"text":"This is giving you access to global cybersecurity.","start":1118.615,"end":1121.115,"sentiment":"neutral","sentiment_score":0.2295276504009962}],"sentiment":"neutral","sentiment_score":0.21332630515098572,"channel":0,"num_words":12,"start":1116.695,"end":1121.115},{"sentences":[{"text":"Yep.","start":1121.8125,"end":1122.3125,"sentiment":"neutral","sentiment_score":0.2331750988960266}],"sentiment":"neutral","sentiment_score":0.2331750988960266,"channel":1,"num_words":1,"start":1121.8125,"end":1122.3125},{"sentences":[{"text":"Again, it's good for diversification.","start":1122.2599,"end":1123.6399,"sentiment":"positive","sentiment_score":0.4662143290042877},{"text":"You're a bit overweight at the moment.","start":1124.0199,"end":1125.62,"sentiment":"neutral","sentiment_score":-0.027937797563416616},{"text":"You've got 8% in your portfolio.","start":1125.62,"end":1127.32,"sentiment":"neutral","sentiment_score":0.04061209410429001},{"text":"You only wanna hold about 5%, and cybersecurity has seen some really great growth there.","start":1127.5399,"end":1132.98,"sentiment":"neutral","sentiment_score":0.2913706844051679},{"text":"Yeah.","start":1132.98,"end":1133.2999,"sentiment":"neutral","sentiment_score":0.08275163173675537}],"sentiment":"neutral","sentiment_score":0.20095563307404518,"channel":0,"num_words":34,"start":1122.2599,"end":1133.2999},{"sentences":[{"text":"So we're","start":1133.2999,"end":1133.7799,"sentiment":"neutral","sentiment_score":0.09756128489971161}],"sentiment":"neutral","sentiment_score":0.09756128489971161,"channel":0,"num_words":2,"start":1133.2999,"end":1133.7799},{"sentences":[{"text":"Oh,","start":1133.735,"end":1134.215,"sentiment":"neutral","sentiment_score":0.077481210231781}],"sentiment":"neutral","sentiment_score":0.077481210231781,"channel":1,"num_words":1,"start":1133.735,"end":1134.215},{"sentences":[{"text":"just gonna","start":1133.7799,"end":1134.495,"sentiment":"neutral","sentiment_score":0.09919178485870361}],"sentiment":"neutral","sentiment_score":0.09919178485870361,"channel":0,"num_words":2,"start":1133.7799,"end":1134.495},{"sentences":[{"text":"okay.","start":1134.215,"end":1134.715,"sentiment":"neutral","sentiment_score":0.11510010808706284}],"sentiment":"neutral","sentiment_score":0.11510010808706284,"channel":1,"num_words":1,"start":1134.215,"end":1134.715},{"sentences":[{"text":"reweight and rebalance your portfolio back.","start":1134.735,"end":1137.375,"sentiment":"neutral","sentiment_score":0.1160257247587045},{"text":"We sell about 3% of that, and we distribute that across the rest of the portfolio, and it just rebalances you back","start":1137.375,"end":1144.335,"sentiment":"neutral","sentiment_score":0.1433218815787272}],"sentiment":"neutral","sentiment_score":0.13747270511729376,"channel":0,"num_words":28,"start":1134.735,"end":1144.335},{"sentences":[{"text":"Okay.","start":1144.29,"end":1144.79,"sentiment":"neutral","sentiment_score":0.04525221139192581}],"sentiment":"neutral","sentiment_score":0.04525221139192581,"channel":1,"num_words":1,"start":1144.29,"end":1144.79},{"sentences":[{"text":"to 5%.","start":1144.335,"end":1145.315,"sentiment":"neutral","sentiment_score":0.06479831971228123},{"text":"Okay.","start":1145.535,"end":1146.035,"sentiment":"neutral","sentiment_score":0.28712329268455505},{"text":"Excellent.","start":1147.84,"end":1148.34,"sentiment":"positive","sentiment_score":0.5920850038528442},{"text":"We've also got the IHS called composite bond in here.","start":1148.7999,"end":1151.94,"sentiment":"positive","sentiment_score":0.33822002708911897},{"text":"This is giving you access and exposure to both government and corporate bonds as well as other defensive assets like bank notes, the cost, and it gives you some international exposure as well, which is great.","start":1152.0,"end":1162.74,"sentiment":"positive","sentiment_score":0.4044998524089654}],"sentiment":"positive","sentiment_score":0.3790599978715181,"channel":0,"num_words":50,"start":1144.335,"end":1162.74},{"sentences":[{"text":"You're a little bit underweighted in your portfolio.","start":1163.275,"end":1165.695,"sentiment":"neutral","sentiment_score":-0.05513916350901127},{"text":"So you've only got 8.63%.","start":1165.835,"end":1168.175,"sentiment":"neutral","sentiment_score":0.03384837135672569},{"text":"We wanna hold 9% of this investment here, so we're gonna buy a little bit more to bring you back up in that waiting.","start":1168.635,"end":1174.815,"sentiment":"neutral","sentiment_score":0.14203149918466806}],"sentiment":"neutral","sentiment_score":0.08478066294982627,"channel":0,"num_words":37,"start":1163.275,"end":1174.815},{"sentences":[{"text":"Right.","start":1175.25,"end":1175.49,"sentiment":"neutral","sentiment_score":0.105150006711483},{"text":"Right.","start":1175.49,"end":1175.89,"sentiment":"neutral","sentiment_score":0.16031542420387268},{"text":"Thank you.","start":1175.89,"end":1176.7101,"sentiment":"positive","sentiment_score":0.36780859529972076}],"sentiment":"neutral","sentiment_score":0.2502706553786993,"channel":1,"num_words":4,"start":1175.25,"end":1176.7101},{"sentences":[{"text":"We've also got the s and p 500.","start":1177.71,"end":1179.71,"sentiment":"neutral","sentiment_score":0.15153172798454762},{"text":"This is giving you access and exposure to the top 500 companies on The US market there.","start":1179.71,"end":1184.77,"sentiment":"neutral","sentiment_score":0.1347547405782868},{"text":"You've got 28.19%.","start":1185.0701,"end":1187.39,"sentiment":"neutral","sentiment_score":0.12417724480231603},{"text":"You're a bit overexposed currently.","start":1187.39,"end":1189.15,"sentiment":"neutral","sentiment_score":-0.13233911544084548},{"text":"We're gonna sell a little bit of that off and just bring you back to 20% in your portfolio.","start":1189.15,"end":1194.235,"sentiment":"neutral","sentiment_score":0.06588307792614949}],"sentiment":"neutral","sentiment_score":0.08587882791359264,"channel":0,"num_words":52,"start":1177.71,"end":1194.235},{"sentences":[{"text":"Okay.","start":1195.035,"end":1195.535,"sentiment":"neutral","sentiment_score":-0.057890549302101135}],"sentiment":"neutral","sentiment_score":-0.057890549302101135,"channel":1,"num_words":1,"start":1195.035,"end":1195.535},{"sentences":[{"text":"The other thing we've got here is property, Australian 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you.","start":1214.0701,"end":1220.25,"sentiment":"neutral","sentiment_score":-0.013462263231094066}],"sentiment":"neutral","sentiment_score":-0.19310536505756798,"channel":0,"num_words":91,"start":1195.735,"end":1220.25},{"sentences":[{"text":"Yeah.","start":1220.4651,"end":1220.9651,"sentiment":"positive","sentiment_score":0.4481666684150696}],"sentiment":"positive","sentiment_score":0.4481666684150696,"channel":1,"num_words":1,"start":1220.4651,"end":1220.9651},{"sentences":[{"text":"Excellent.","start":1222.3251,"end":1222.8251,"sentiment":"positive","sentiment_score":0.6818130612373352},{"text":"You've also got the beta shares Rafi 200.","start":1223.2051,"end":1225.685,"sentiment":"positive","sentiment_score":0.3379888366907835},{"text":"This is giving you some exposure into the Australian stock market.","start":1225.685,"end":1228.725,"sentiment":"positive","sentiment_score":0.3480561944571408},{"text":"You've got about 16.57% there at the 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different asset classes, across different countries, and across your your different sectors as well.","start":1324.91,"end":1336.855,"sentiment":"neutral","sentiment_score":0.2808216114838918},{"text":"And so doing that helps to spread the risk level quite significantly.","start":1336.995,"end":1340.7749,"sentiment":"positive","sentiment_score":0.4064354325334231},{"text":"The idea is where you wanna be invested in enough countries and asset classes where if one is down, another is up to mitigate that.","start":1341.1549,"end":1349.61,"sentiment":"neutral","sentiment_score":0.2678460615873337}],"sentiment":"neutral","sentiment_score":0.2963755986730879,"channel":0,"num_words":120,"start":1309.8251,"end":1349.61},{"sentences":[{"text":"So we know markets will go up and down, but we wanna see some of the portfolio working well when others might not be working as well and vice versa.","start":1349.61,"end":1357.31,"sentiment":"neutral","sentiment_score":0.25060420433680214},{"text":"And that's how we take advantage of the market ups and downs, essentially.","start":1357.6549,"end":1360.7949,"sentiment":"positive","sentiment_score":0.38785183888215286},{"text":"So this is giving you greater diversification and making sure you've got access into the Australian market there as well.","start":1361.815,"end":1368.315,"sentiment":"positive","sentiment_score":0.5770908206701278},{"text":"I'm so sorry about that.","start":1370.615,"end":1371.9149,"sentiment":"neutral","sentiment_score":-0.12039732784032822}],"sentiment":"positive","sentiment_score":0.3455886736731319,"channel":0,"num_words":68,"start":1349.61,"end":1371.9149},{"sentences":[{"text":"One second.","start":1371.935,"end":1372.755,"sentiment":"neutral","sentiment_score":-0.03756104130297899}],"sentiment":"neutral","sentiment_score":-0.03756104130297899,"channel":1,"num_words":2,"start":1371.935,"end":1372.755},{"sentences":[{"text":"The other thing we talked about was having a bit of active management in your 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management in your portfolio for you and adding a little bit of that active risk in there, which is kind of what you just wanted to see.","start":1405.18,"end":1418.055,"sentiment":"neutral","sentiment_score":0.22926217379669347},{"text":"We'll just keep monitoring this with you probably every six months to see how it's going.","start":1418.1951,"end":1422.4551,"sentiment":"neutral","sentiment_score":0.14790836814790964},{"text":"If it's ever sort of underperforming or not doing what it's supposed to, then we can always look to swap it out to something else for you as 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investment.","start":1435.9501,"end":1439.73,"sentiment":"neutral","sentiment_score":0.010374305237616812},{"text":"We're removing them because they are being phased out down the track.","start":1439.79,"end":1443.25,"sentiment":"neutral","sentiment_score":-0.003503367304801941},{"text":"So in your growth area, you wanna see about roughly 20% invested in defensive assets, so things like cash, bonds, and fixed interest.","start":1443.5549,"end":1452.115,"sentiment":"neutral","sentiment_score":0.15418247392644052}],"sentiment":"neutral","sentiment_score":0.08790873165332502,"channel":0,"num_words":62,"start":1431.47,"end":1452.115},{"sentences":[{"text":"The iShares, Yield Plus, and your core composite bonds, they essentially are your defensive investments.","start":1452.115,"end":1457.84,"sentiment":"neutral","sentiment_score":0.181032728155454},{"text":"You hold 18% between the 9% of 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you.","start":1522.21,"end":1522.95,"sentiment":"positive","sentiment_score":0.4078183025121689}],"sentiment":"neutral","sentiment_score":0.2768126590685411,"channel":1,"num_words":11,"start":1517.8099,"end":1522.95},{"sentences":[{"text":"Yeah.","start":1522.76,"end":1523.08,"sentiment":"neutral","sentiment_score":0.163764625787735},{"text":"Oh, thank you.","start":1523.08,"end":1524.2,"sentiment":"neutral","sentiment_score":0.28909116486708325},{"text":"No.","start":1524.2,"end":1524.36,"sentiment":"neutral","sentiment_score":0.03809743374586105},{"text":"That's okay.","start":1524.36,"end":1525.08,"sentiment":"neutral","sentiment_score":0.09228825941681862},{"text":"I try to make it as easy as possible for understanding because not everyone is that, you know, open to wanting to 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a very small CGT cost in order to switch the investments around for you, which","start":1546.7899,"end":1551.75,"sentiment":"neutral","sentiment_score":0.2534446408972144}],"sentiment":"neutral","sentiment_score":0.2534446408972144,"channel":0,"num_words":16,"start":1546.7899,"end":1551.75},{"sentences":[{"text":"Yep.","start":1551.74,"end":1552.24,"sentiment":"neutral","sentiment_score":0.2871841490268707}],"sentiment":"neutral","sentiment_score":0.2871841490268707,"channel":1,"num_words":1,"start":1551.74,"end":1552.24},{"sentences":[{"text":"works.","start":1551.75,"end":1552.25,"sentiment":"neutral","sentiment_score":0.25242310762405396},{"text":"Yeah.","start":1552.63,"end":1553.13,"sentiment":"neutral","sentiment_score":0.3080717623233795}],"sentiment":"neutral","sentiment_score":0.28024743497371674,"channel":0,"num_words":2,"start":1551.75,"end":1553.13},{"sentences":[{"text":"Thank 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65.","start":1673.49,"end":1680.025,"sentiment":"neutral","sentiment_score":0.16676895543932915},{"text":"However, it does make the premiums very expensive.","start":1680.025,"end":1683.005,"sentiment":"negative","sentiment_score":-0.3495938926935196},{"text":"So to try and lower the premiums as much as possible, but still make sure you have a good benefit period to cover you in the event that you're off work, that five years is kind of a happy medium for you.","start":1683.225,"end":1694.76,"sentiment":"positive","sentiment_score":0.46173437365463804},{"text":"Okay.","start":1694.76,"end":1695.26,"sentiment":"positive","sentiment_score":0.3401239514350891}],"sentiment":"neutral","sentiment_score":0.2817706384936745,"channel":0,"num_words":89,"start":1670.13,"end":1695.26},{"sentences":[{"text":"Mhmm.","start":1694.765,"end":1695.265,"sentiment":"positive","sentiment_score":0.3408850133419037}],"sentiment":"positive","sentiment_score":0.3408850133419037,"channel":1,"num_words":1,"start":1694.765,"end":1695.265},{"sentences":[{"text":"Excellent.","start":1696.84,"end":1697.34,"sentiment":"positive","sentiment_score":0.6470092535018921},{"text":"So, essentially, with your current income protection monthly benefit of a $1,113.91, in order to cover you for up to 70% of your current income, we needed to then increase and provide a new benefit or a new policy to give you a monthly benefit of $4,719.","start":1697.48,"end":1719.1101,"sentiment":"positive","sentiment_score":0.3730319040886899}],"sentiment":"positive","sentiment_score":0.3787397655347983,"channel":0,"num_words":48,"start":1696.84,"end":1719.1101},{"sentences":[{"text":"Yes.","start":1719.355,"end":1719.855,"sentiment":"neutral","sentiment_score":0.31664595007896423}],"sentiment":"neutral","sentiment_score":0.31664595007896423,"channel":1,"num_words":1,"start":1719.355,"end":1719.855},{"sentences":[{"text":"That equals that 70% when you add the two together.","start":1719.41,"end":1722.2301,"sentiment":"positive","sentiment_score":0.346998992562294}],"sentiment":"positive","sentiment_score":0.346998992562294,"channel":0,"num_words":10,"start":1719.41,"end":1722.2301},{"sentences":[{"text":"Yeah.","start":1722.475,"end":1722.975,"sentiment":"neutral","sentiment_score":-0.03135835379362106}],"sentiment":"neutral","sentiment_score":-0.03135835379362106,"channel":1,"num_words":1,"start":1722.475,"end":1722.975},{"sentences":[{"text":"The disadvantage is when we kinda went through the pre assessment there, we did note there was some health consent.","start":1722.77,"end":1729.67,"sentiment":"neutral","sentiment_score":-0.3107763327658176},{"text":"So","start":1730.285,"end":1730.525,"sentiment":"neutral","sentiment_score":-0.2383219748735428}],"sentiment":"neutral","sentiment_score":-0.30732612524713787,"channel":0,"num_words":21,"start":1722.77,"end":1730.525},{"sentences":[{"text":"Mhmm.","start":1730.475,"end":1730.975,"sentiment":"neutral","sentiment_score":-0.16422562301158905}],"sentiment":"neutral","sentiment_score":-0.16422562301158905,"channel":1,"num_words":1,"start":1730.475,"end":1730.975},{"sentences":[{"text":"when we went back to do the blind pre assessment with the underwriters and the insurers, they did note that this policy would be expensive because they're adding a 150% loading onto it.","start":1730.525,"end":1742.765,"sentiment":"neutral","sentiment_score":-0.18997265985517792},{"text":"So it essentially means the expectation for the premium for this policy would be $5,923.26.","start":1742.765,"end":1752.2999,"sentiment":"neutral","sentiment_score":-0.02151405488451322},{"text":"Because it is paid out of the Superfund, you get a 15% discount there.","start":1752.6,"end":1757.5,"sentiment":"neutral","sentiment_score":0.10301664471626282},{"text":"So it means that the amount you would pay for this policy out of super is $5,034.70.","start":1757.705,"end":1764.365,"sentiment":"neutral","sentiment_score":0.14489004169316852},{"text":"That added to the already amount you're paid out of you're paying out of the super fund.","start":1764.665,"end":1769.325,"sentiment":"neutral","sentiment_score":0.054808575440855586}],"sentiment":"neutral","sentiment_score":-0.018278115428984165,"channel":0,"num_words":96,"start":1730.525,"end":1769.325},{"sentences":[{"text":"It means that we","start":1769.465,"end":1770.185,"sentiment":"neutral","sentiment_score":0.06130983494222164}],"sentiment":"neutral","sentiment_score":0.06130983494222164,"channel":0,"num_words":4,"start":1769.465,"end":1770.185},{"sentences":[{"text":"Mhmm.","start":1770.175,"end":1770.675,"sentiment":"neutral","sentiment_score":0.082625612616539}],"sentiment":"neutral","sentiment_score":0.082625612616539,"channel":1,"num_words":1,"start":1770.175,"end":1770.675},{"sentences":[{"text":"can expect the total premium sorry.","start":1770.185,"end":1772.745,"sentiment":"neutral","sentiment_score":0.04890481196343899},{"text":"I'm just running back double checking.","start":1772.745,"end":1774.5,"sentiment":"neutral","sentiment_score":0.016951945920785267},{"text":"It's $5,416.","start":1774.7999,"end":1777.44,"sentiment":"neutral","sentiment_score":0.1028609350323677},{"text":"That is for your current life and income protection policy as well as that new clear view policy total for the year.","start":1777.44,"end":1784.34,"sentiment":"neutral","sentiment_score":0.14741621268066493},{"text":"Okay?","start":1784.5599,"end":1785.0599,"sentiment":"neutral","sentiment_score":0.03076556883752346}],"sentiment":"neutral","sentiment_score":0.10472390986979008,"channel":0,"num_words":37,"start":1770.185,"end":1785.0599},{"sentences":[{"text":"Mhmm.","start":1784.655,"end":1785.155,"sentiment":"neutral","sentiment_score":0.01578584685921669},{"text":"So that's for a whole year,","start":1785.24,"end":1786.6,"sentiment":"neutral","sentiment_score":0.03642819635570049}],"sentiment":"neutral","sentiment_score":0.033479289284774234,"channel":1,"num_words":7,"start":1784.655,"end":1786.6},{"sentences":[{"text":"So","start":1786.4,"end":1786.9,"sentiment":"neutral","sentiment_score":0.014503821730613708}],"sentiment":"neutral","sentiment_score":0.014503821730613708,"channel":0,"num_words":1,"start":1786.4,"end":1786.9},{"sentences":[{"text":"is that?","start":1786.6,"end":1787.34,"sentiment":"neutral","sentiment_score":0.028684123419225216}],"sentiment":"neutral","sentiment_score":0.028684123419225216,"channel":1,"num_words":2,"start":1786.6,"end":1787.34},{"sentences":[{"text":"that's the whole year.","start":1788.5651,"end":1789.765,"sentiment":"neutral","sentiment_score":0.022745694033801556},{"text":"Yeah.","start":1789.765,"end":1790.0851,"sentiment":"neutral","sentiment_score":0.07356692850589752},{"text":"Yeah.","start":1790.0851,"end":1790.3251,"sentiment":"neutral","sentiment_score":0.10201811790466309},{"text":"Definitely.","start":1790.3251,"end":1790.8251,"sentiment":"neutral","sentiment_score":0.1562357246875763}],"sentiment":"neutral","sentiment_score":0.060400506747620444,"channel":0,"num_words":7,"start":1788.5651,"end":1790.8251},{"sentences":[{"text":"Okay.","start":1792.28,"end":1792.78,"sentiment":"neutral","sentiment_score":0.10128160566091536}],"sentiment":"neutral","sentiment_score":0.10128160566091536,"channel":1,"num_words":1,"start":1792.28,"end":1792.78},{"sentences":[{"text":"Yeah.","start":1792.4851,"end":1792.9851,"sentiment":"neutral","sentiment_score":0.07751414179801941},{"text":"It is a lot.","start":1793.125,"end":1794.185,"sentiment":"neutral","sentiment_score":0.029045896604657173},{"text":"If you look at the next page, it basically breaks down because of the health concerns that were disclosed in the pre assessment, they've added a 150% medical loading onto it, and they will only cover you for your main occupation.","start":1794.4851,"end":1807.65,"sentiment":"neutral","sentiment_score":-0.07666593544730325},{"text":"Because you do have that secondary job, they will exclude any claims for your secondary occupation there.","start":1807.7101,"end":1814.05,"sentiment":"neutral","sentiment_score":-0.17041477604823954},{"text":"It's not the best terms, and I'm so sorry about that.","start":1814.51,"end":1817.515,"sentiment":"negative","sentiment_score":-0.4400050775571303}],"sentiment":"neutral","sentiment_score":-0.14441503609555797,"channel":0,"num_words":74,"start":1792.4851,"end":1817.515},{"sentences":[{"text":"We did try to, you know, argue the point with them.","start":1817.515,"end":1820.015,"sentiment":"neutral","sentiment_score":-0.23068425194783646}],"sentiment":"neutral","sentiment_score":-0.23068425194783646,"channel":0,"num_words":11,"start":1817.515,"end":1820.015},{"sentences":[{"text":"Mhmm.","start":1819.61,"end":1820.11,"sentiment":"neutral","sentiment_score":-0.07993574440479279}],"sentiment":"neutral","sentiment_score":-0.07993574440479279,"channel":1,"num_words":1,"start":1819.61,"end":1820.11},{"sentences":[{"text":"But at the end of the day, the biggest thing with the underwriters and the insurance companies are they're essentially assessing the risk of them paying a","start":1820.395,"end":1829.035,"sentiment":"neutral","sentiment_score":-0.025476152905159526}],"sentiment":"neutral","sentiment_score":-0.025476152905159526,"channel":0,"num_words":27,"start":1820.395,"end":1829.035},{"sentences":[{"text":"Yes.","start":1828.945,"end":1829.445,"sentiment":"neutral","sentiment_score":0.03231649100780487}],"sentiment":"neutral","sentiment_score":0.03231649100780487,"channel":1,"num_words":1,"start":1828.945,"end":1829.445},{"sentences":[{"text":"claim.","start":1829.035,"end":1829.535,"sentiment":"neutral","sentiment_score":0.022186752408742905},{"text":"And when there are prior health concerns, when there is things that increase the risk, then they do add those loadings on there because there's more more more of a chance they're gonna pay out on that policy, essentially.","start":1829.87,"end":1842.29,"sentiment":"neutral","sentiment_score":0.007932391208715929},{"text":"As a difference, in the appendices, which you'll also have attached there, it is the next document","start":1842.825,"end":1850.205,"sentiment":"neutral","sentiment_score":0.07077414958792574}],"sentiment":"neutral","sentiment_score":0.026924746535849153,"channel":0,"num_words":57,"start":1829.035,"end":1850.205},{"sentences":[{"text":"Mhmm.","start":1850.0,"end":1850.5,"sentiment":"neutral","sentiment_score":0.07199884206056595}],"sentiment":"neutral","sentiment_score":0.07199884206056595,"channel":1,"num_words":1,"start":1850.0,"end":1850.5},{"sentences":[{"text":"down, and you'll be able to take some time to read it through as well.","start":1850.4249,"end":1854.365,"sentiment":"neutral","sentiment_score":0.11805983483791352},{"text":"But in the appendices, I did actually have a look at if you were to only increase or add the Clearview income protection policy to cover 50% of your income.","start":1854.745,"end":1866.2001,"sentiment":"neutral","sentiment_score":0.14154858589172364},{"text":"So it essentially means that instead of applying for 4,717 as a monthly benefit, you'd be applying for a lesser amount.","start":1866.8201,"end":1877.605,"sentiment":"neutral","sentiment_score":0.11177116437327295},{"text":"It'd be $3,052.","start":1880.305,"end":1882.805,"sentiment":"neutral","sentiment_score":0.16983146468798319},{"text":"It essentially that plus your current 1,113 would cover 50% of your monthly 50% of your income if you are off work.","start":1883.185,"end":1893.87,"sentiment":"neutral","sentiment_score":0.20595235445282675}],"sentiment":"neutral","sentiment_score":0.1473076455295086,"channel":0,"num_words":91,"start":1850.4249,"end":1893.87},{"sentences":[{"text":"It does reduce the total insurance premium.","start":1894.5701,"end":1897.4701,"sentiment":"neutral","sentiment_score":0.22206629386969975},{"text":"So instead of paying that 5,400, the expected premium out of super would be 3,637 even with those additional loadings added.","start":1897.53,"end":1908.065,"sentiment":"neutral","sentiment_score":0.2494475245475769}],"sentiment":"neutral","sentiment_score":0.24260221687810762,"channel":0,"num_words":28,"start":1894.5701,"end":1908.065},{"sentences":[{"text":"Mhmm.","start":1908.71,"end":1909.21,"sentiment":"neutral","sentiment_score":0.11348210275173189}],"sentiment":"neutral","sentiment_score":0.11348210275173189,"channel":1,"num_words":1,"start":1908.71,"end":1909.21},{"sentences":[{"text":"It does essentially mean that you get more growth out of your super, but it's also what's important to you.","start":1908.765,"end":1915.26,"sentiment":"neutral","sentiment_score":0.17856310196220876},{"text":"So the benefit of having this policy, as much as it is expensive, it does mean if something happens, if you're off work, you're able to claim on that policy.","start":1915.42,"end":1924.72,"sentiment":"neutral","sentiment_score":0.08626298680901527},{"text":"The one thing I really do wanna reiterate with you is that we will review this policy with you.","start":1925.18,"end":1930.0549,"sentiment":"neutral","sentiment_score":0.1631499368109201},{"text":"If you place it in force or if you go through the application process, we will review this with you.","start":1930.0549,"end":1935.895,"sentiment":"neutral","sentiment_score":0.15254303812980652},{"text":"So if your income decreases, these policies do also increase over time.","start":1935.895,"end":1940.775,"sentiment":"neutral","sentiment_score":0.09604055806994438}],"sentiment":"neutral","sentiment_score":0.1332905732906691,"channel":0,"num_words":101,"start":1908.765,"end":1940.775},{"sentences":[{"text":"We will look to decrease it back to make sure you're staying at 70%, not overpaying the premium.","start":1940.775,"end":1946.99,"sentiment":"neutral","sentiment_score":0.15317532937559816},{"text":"We can also, down the track, include additional contributions to mitigate and offset the effect of those premiums as well.","start":1947.4501,"end":1954.1101,"sentiment":"neutral","sentiment_score":0.22371832132339478},{"text":"I didn't recommend that.","start":1954.49,"end":1955.8501,"sentiment":"negative","sentiment_score":-0.5081183612346649},{"text":"I did think about doing it, but it was something that we discussed, and you've neither of you were comfortable adding additional contributions yet.","start":1955.8501,"end":1962.845,"sentiment":"negative","sentiment_score":-0.4840896278619766},{"text":"Life is very 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policy as well.","start":2002.25,"end":2010.57,"sentiment":"neutral","sentiment_score":-0.26440253613456605},{"text":"So I just wanted to show you what this looks like and be open and honest with you with how what this, you know, what's expected with regards to this.","start":2010.57,"end":2019.495,"sentiment":"neutral","sentiment_score":0.28041227236390115},{"text":"And then you get to decide what you're comfortable with and how you would like to proceed with the income protection side of things.","start":2019.635,"end":2025.9551,"sentiment":"neutral","sentiment_score":0.26106040583302575},{"text":"Does that make sense?","start":2025.9551,"end":2026.8351,"sentiment":"neutral","sentiment_score":0.14734090492129326}],"sentiment":"neutral","sentiment_score":0.056001780100730286,"channel":0,"num_words":119,"start":1994.275,"end":2026.8351},{"sentences":[{"text":"And do 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any","start":2027.235,"end":2027.635,"sentiment":"neutral","sentiment_score":-0.007157075218856334}],"sentiment":"neutral","sentiment_score":-0.007157075218856334,"channel":0,"num_words":2,"start":2027.235,"end":2027.635},{"sentences":[{"text":"Yeah.","start":2027.545,"end":2027.865,"sentiment":"neutral","sentiment_score":-0.011060076765716076}],"sentiment":"neutral","sentiment_score":-0.011060076765716076,"channel":1,"num_words":1,"start":2027.545,"end":2027.865},{"sentences":[{"text":"questions?","start":2027.635,"end":2028.135,"sentiment":"neutral","sentiment_score":0.00290550384670496}],"sentiment":"neutral","sentiment_score":0.00290550384670496,"channel":0,"num_words":1,"start":2027.635,"end":2028.135},{"sentences":[{"text":"Absolutely.","start":2027.865,"end":2028.365,"sentiment":"neutral","sentiment_score":0.09027352929115295},{"text":"So if they decline the policy, which I think previously 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what you have currently saved as it is, there's no change there in any way, shape, or form.","start":2046.155,"end":2051.535,"sentiment":"neutral","sentiment_score":-0.0846947523716249},{"text":"It just means that if they decline that policy, we can't take that new ClearView policy there.","start":2052.155,"end":2057.4,"sentiment":"neutral","sentiment_score":-0.20133382125812418}],"sentiment":"neutral","sentiment_score":-0.127178478691923,"channel":0,"num_words":38,"start":2045.275,"end":2057.4},{"sentences":[{"text":"Alrighty.","start":2058.205,"end":2058.705,"sentiment":"neutral","sentiment_score":0.040184590965509415}],"sentiment":"neutral","sentiment_score":0.040184590965509415,"channel":1,"num_words":1,"start":2058.205,"end":2058.705},{"sentences":[{"text":"But 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me know if you do.","start":2337.7952,"end":2339.3352,"sentiment":"neutral","sentiment_score":0.11626637088400978}],"sentiment":"neutral","sentiment_score":0.17432450232180682,"channel":0,"num_words":22,"start":2333.875,"end":2339.3352},{"sentences":[{"text":"No.","start":2340.4749,"end":2340.795,"sentiment":"neutral","sentiment_score":-0.0019213855266571045},{"text":"Not at the moment.","start":2340.795,"end":2341.855,"sentiment":"negative","sentiment_score":-0.37884189188480377},{"text":"No.","start":2341.9148,"end":2342.315,"sentiment":"negative","sentiment_score":-0.34594112634658813},{"text":"No.","start":2342.315,"end":2342.4749,"sentiment":"neutral","sentiment_score":-0.2731947898864746},{"text":"All is 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okay.","start":2360.23,"end":2362.2651,"sentiment":"neutral","sentiment_score":0.04425176442600787},{"text":"You're fine.","start":2362.2651,"end":2363.0051,"sentiment":"neutral","sentiment_score":0.10220341384410858}],"sentiment":"neutral","sentiment_score":0.0635689808987081,"channel":0,"num_words":6,"start":2360.23,"end":2363.0051},{"sentences":[{"text":"373737.","start":2363.105,"end":2365.285,"sentiment":"neutral","sentiment_score":0.020641177892684937}],"sentiment":"neutral","sentiment_score":0.020641177892684937,"channel":1,"num_words":1,"start":2363.105,"end":2365.285},{"sentences":[{"text":"Yep.","start":2365.465,"end":2365.965,"sentiment":"neutral","sentiment_score":0.01942930556833744}],"sentiment":"neutral","sentiment_score":0.01942930556833744,"channel":0,"num_words":1,"start":2365.465,"end":2365.965},{"sentences":[{"text":"Oh, it says oh, have I missed what?","start":2366.545,"end":2369.505,"sentiment":"neutral","sentiment_score":-0.004560440254863352},{"text":"That's Sergio's strategy recommendation.","start":2369.505,"end":2371.445,"sentiment":"neutral","sentiment_score":0.07765242457389832},{"text":"Is that right?","start":2371.905,"end":2372.385,"sentiment":"neutral","sentiment_score":0.05540907879670461},{"text":"Is that what we're up","start":2372.385,"end":2373.105,"sentiment":"neutral","sentiment_score":0.022104345634579657}],"sentiment":"neutral","sentiment_score":0.02754375704098493,"channel":1,"num_words":20,"start":2366.545,"end":2373.105},{"sentences":[{"text":"Yep.","start":2373.0652,"end":2373.5652,"sentiment":"neutral","sentiment_score":0.008247938007116318}],"sentiment":"neutral","sentiment_score":0.008247938007116318,"channel":0,"num_words":1,"start":2373.0652,"end":2373.5652},{"sentences":[{"text":"to?","start":2373.105,"end":2373.345,"sentiment":"neutral","sentiment_score":0.003906949423253536},{"text":"37?","start":2373.345,"end":2374.145,"sentiment":"neutral","sentiment_score":0.009860445745289326}],"sentiment":"neutral","sentiment_score":0.006883697584271431,"channel":1,"num_words":2,"start":2373.105,"end":2374.145},{"sentences":[{"text":"That's","start":2373.945,"end":2374.445,"sentiment":"neutral","sentiment_score":0.04545231908559799}],"sentiment":"neutral","sentiment_score":0.04545231908559799,"channel":0,"num_words":1,"start":2373.945,"end":2374.445},{"sentences":[{"text":"Oh, 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one.","start":2374.8252,"end":2375.465,"sentiment":"neutral","sentiment_score":0.19848884642124176},{"text":"Yep.","start":2375.465,"end":2375.85,"sentiment":"neutral","sentiment_score":0.048781804740428925}],"sentiment":"neutral","sentiment_score":0.14858649919430414,"channel":0,"num_words":3,"start":2374.8252,"end":2375.85},{"sentences":[{"text":"You've been doing all this","start":2375.9849,"end":2377.32,"sentiment":"neutral","sentiment_score":0.008950763009488582}],"sentiment":"neutral","sentiment_score":0.008950763009488582,"channel":1,"num_words":5,"start":2375.9849,"end":2377.32},{"sentences":[{"text":"Is Sergio 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trying","start":2387.72,"end":2388.52,"sentiment":"neutral","sentiment_score":-0.03524313432474931}],"sentiment":"neutral","sentiment_score":-0.03524313432474931,"channel":1,"num_words":3,"start":2387.72,"end":2388.52},{"sentences":[{"text":"No.","start":2388.33,"end":2388.49,"sentiment":"neutral","sentiment_score":-0.08704105019569397},{"text":"No.","start":2388.49,"end":2388.8901,"sentiment":"neutral","sentiment_score":-0.10415400564670564}],"sentiment":"neutral","sentiment_score":-0.0955975279211998,"channel":0,"num_words":2,"start":2388.33,"end":2388.8901},{"sentences":[{"text":"to","start":2388.52,"end":2388.6,"sentiment":"neutral","sentiment_score":-0.0518384724855423}],"sentiment":"neutral","sentiment_score":-0.0518384724855423,"channel":1,"num_words":1,"start":2388.52,"end":2388.6},{"sentences":[{"text":"You 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essentially, with the capital gains, once that switch happens, that capital gains is essentially paid for or deducted.","start":2563.095,"end":2570.395,"sentiment":"neutral","sentiment_score":0.06344332761670414},{"text":"So it does affect you.","start":2570.455,"end":2571.735,"sentiment":"neutral","sentiment_score":0.06433410346508026},{"text":"The recommended balance will change that.","start":2571.735,"end":2573.8152,"sentiment":"neutral","sentiment_score":0.09377946456273396},{"text":"So so, yeah, because yours has no capital gains, your super balance for the recommended column is exactly the same as it currently is, which is good.","start":2573.8152,"end":2581.97,"sentiment":"positive","sentiment_score":0.39616060063794806}],"sentiment":"neutral","sentiment_score":0.20408562225319685,"channel":0,"num_words":62,"start":2561.175,"end":2581.97},{"sentences":[{"text":"Your investment yeah.","start":2583.23,"end":2585.57,"sentiment":"neutral","sentiment_score":0.2095221628745397},{"text":"Your investment fees stay the same, but I was all sorry.","start":2585.87,"end":2589.3552,"sentiment":"neutral","sentiment_score":0.15927766398950058},{"text":"Your admin fees stay the same.","start":2589.3552,"end":2590.715,"sentiment":"neutral","sentiment_score":0.11830106005072594},{"text":"Sorry.","start":2590.715,"end":2591.215,"sentiment":"neutral","sentiment_score":0.20282241702079773},{"text":"But I was able to help lower your investment portfolio cost as well.","start":2591.5151,"end":2595.8352,"sentiment":"positive","sentiment_score":0.43407188012049747}],"sentiment":"neutral","sentiment_score":0.26282894151175723,"channel":0,"num_words":34,"start":2583.23,"end":2595.8352},{"sentences":[{"text":"So instead of paying $540 a year, I can reduce your investment fees to $234.","start":2595.8352,"end":2602.92,"sentiment":"positive","sentiment_score":0.33929305771986645},{"text":"It saves your","start":2602.92,"end":2603.88,"sentiment":"positive","sentiment_score":0.5199018021424612}],"sentiment":"positive","sentiment_score":0.3693945151236322,"channel":0,"num_words":18,"start":2595.8352,"end":2603.88},{"sentences":[{"text":"Mhmm.","start":2603.455,"end":2603.955,"sentiment":"positive","sentiment_score":0.5289485454559326}],"sentiment":"positive","sentiment_score":0.5289485454559326,"channel":1,"num_words":1,"start":2603.455,"end":2603.955},{"sentences":[{"text":"it saves you or your super $306 per year in investment fees, which is a positive.","start":2603.88,"end":2609.26,"sentiment":"positive","sentiment_score":0.6282810550183058}],"sentiment":"positive","sentiment_score":0.6282810550183058,"channel":0,"num_words":16,"start":2603.88,"end":2609.26},{"sentences":[{"text":"Yeah.","start":2610.09,"end":2610.33,"sentiment":"positive","sentiment_score":0.44094645977020264},{"text":"Yeah.","start":2610.33,"end":2610.4102,"sentiment":"positive","sentiment_score":0.5459139347076416},{"text":"Very good.","start":2610.4102,"end":2611.31,"sentiment":"positive","sentiment_score":0.745701789855957},{"text":"Very positive.","start":2611.85,"end":2612.6501,"sentiment":"positive","sentiment_score":0.7456529140472412},{"text":"Yeah.","start":2612.6501,"end":2613.1501,"sentiment":"positive","sentiment_score":0.5175536870956421}],"sentiment":"positive","sentiment_score":0.6410176413399833,"channel":1,"num_words":7,"start":2610.09,"end":2613.1501},{"sentences":[{"text":"The ongoing service fee does increase just slightly because we account for growth by $23 for the year, very minimal, which is good.","start":2613.4148,"end":2622.1348,"sentiment":"positive","sentiment_score":0.43425806579382525},{"text":"Your contribution stay the same, and there's no change to your insurance because you were happy with them, so the premiums remain the same there as well.","start":2622.1348,"end":2629.97,"sentiment":"positive","sentiment_score":0.4856436120139228},{"text":"The other thing I do like about this high growth portfolio for you, it has a much greater past performance.","start":2630.51,"end":2636.29,"sentiment":"positive","sentiment_score":0.46352722197771073},{"text":"Over the past five years, it's averaged 10.83%.","start":2636.4302,"end":2640.05,"sentiment":"positive","sentiment_score":0.3553045392036438},{"text":"So if this portfolio can obtain what it has and keep in mind, you can see on the next page, over the next five to ten years, your super balance could grow pretty significantly.","start":2640.3052,"end":2650.0852,"sentiment":"positive","sentiment_score":0.4214027497698279}],"sentiment":"positive","sentiment_score":0.4423302435981376,"channel":0,"num_words":112,"start":2613.4148,"end":2650.0852},{"sentences":[{"text":"So in the next","start":2654.9849,"end":2656.585,"sentiment":"neutral","sentiment_score":0.05090170446783304}],"sentiment":"neutral","sentiment_score":0.05090170446783304,"channel":1,"num_words":4,"start":2654.9849,"end":2656.585},{"sentences":[{"text":"Can","start":2656.48,"end":2656.72,"sentiment":"neutral","sentiment_score":0.02126859501004219}],"sentiment":"neutral","sentiment_score":0.02126859501004219,"channel":0,"num_words":1,"start":2656.48,"end":2656.72},{"sentences":[{"text":"page.","start":2656.585,"end":2657.085,"sentiment":"neutral","sentiment_score":0.033681027591228485}],"sentiment":"neutral","sentiment_score":0.033681027591228485,"channel":1,"num_words":1,"start":2656.585,"end":2657.085},{"sentences":[{"text":"you see that down the next page?","start":2656.72,"end":2658.32,"sentiment":"neutral","sentiment_score":0.015422115767640727},{"text":"Yes.","start":2658.32,"end":2658.72,"sentiment":"neutral","sentiment_score":0.02059093117713928},{"text":"Sorry.","start":2658.72,"end":2659.22,"sentiment":"neutral","sentiment_score":0.012909041717648506}],"sentiment":"neutral","sentiment_score":0.01571719814091921,"channel":0,"num_words":9,"start":2656.72,"end":2659.22},{"sentences":[{"text":"Yes.","start":2658.7449,"end":2659.2449,"sentiment":"neutral","sentiment_score":0.01774580031633377},{"text":"It's in green.","start":2659.625,"end":2660.605,"sentiment":"neutral","sentiment_score":0.019765926835437615},{"text":"Yeah.","start":2660.7449,"end":2661.2449,"sentiment":"neutral","sentiment_score":0.02260000072419643},{"text":"This one?","start":2661.625,"end":2662.345,"sentiment":"neutral","sentiment_score":0.021899846382439137},{"text":"Yeah.","start":2662.345,"end":2662.845,"sentiment":"neutral","sentiment_score":0.04565725848078728}],"sentiment":"neutral","sentiment_score":0.023637566599063575,"channel":1,"num_words":8,"start":2658.7449,"end":2662.845},{"sentences":[{"text":"Yeah.","start":2662.72,"end":2663.22,"sentiment":"neutral","sentiment_score":0.06101979315280914}],"sentiment":"neutral","sentiment_score":0.06101979315280914,"channel":0,"num_words":1,"start":2662.72,"end":2663.22},{"sentences":[{"text":"Yep.","start":2663.2249,"end":2663.7249,"sentiment":"neutral","sentiment_score":0.0877017229795456}],"sentiment":"neutral","sentiment_score":0.0877017229795456,"channel":1,"num_words":1,"start":2663.2249,"end":2663.7249},{"sentences":[{"text":"Yeah.","start":2664.56,"end":2665.06,"sentiment":"neutral","sentiment_score":0.10876739025115968},{"text":"So in in the newer portfolio over the next five years, you could end up with a 119,000 or over the next ten years sitting at a 180,000 there as well.","start":2665.375,"end":2674.975,"sentiment":"neutral","sentiment_score":0.1902010186064628},{"text":"And this is just a starting point.","start":2674.975,"end":2676.735,"sentiment":"neutral","sentiment_score":0.13973139971494675},{"text":"So the same as with yourself, Angela, we can look at down the track additional contributions to help provide us a benefit there.","start":2676.735,"end":2683.5,"sentiment":"neutral","sentiment_score":0.18159568892872852},{"text":"If you guys the income increases, that means that the the contributions going in will automatically increase there as well.","start":2683.72,"end":2690.1199,"sentiment":"neutral","sentiment_score":0.20656595304608344}],"sentiment":"neutral","sentiment_score":0.1864773008699824,"channel":0,"num_words":82,"start":2664.56,"end":2690.1199},{"sentences":[{"text":"So there's other things that we can do to build on this.","start":2690.1199,"end":2692.8599,"sentiment":"neutral","sentiment_score":0.20047889898220697},{"text":"It's just","start":2692.92,"end":2693.4,"sentiment":"neutral","sentiment_score":0.09929719939827919}],"sentiment":"neutral","sentiment_score":0.1860243704702173,"channel":0,"num_words":14,"start":2690.1199,"end":2693.4},{"sentences":[{"text":"Mhmm.","start":2693.21,"end":2693.71,"sentiment":"neutral","sentiment_score":0.056935302913188934}],"sentiment":"neutral","sentiment_score":0.056935302913188934,"channel":1,"num_words":1,"start":2693.21,"end":2693.71},{"sentences":[{"text":"about looking at where we're tracking now with these recommendations.","start":2693.4,"end":2695.98,"sentiment":"neutral","sentiment_score":0.057651833072304724},{"text":"Okay.","start":2696.955,"end":2697.455,"sentiment":"neutral","sentiment_score":0.0998544842004776}],"sentiment":"neutral","sentiment_score":0.06148843772032044,"channel":0,"num_words":11,"start":2693.4,"end":2697.455},{"sentences":[{"text":"Yeah.","start":2697.8499,"end":2698.17,"sentiment":"neutral","sentiment_score":0.16516423225402832},{"text":"That's great.","start":2698.17,"end":2699.15,"sentiment":"positive","sentiment_score":0.41164280474185944}],"sentiment":"neutral","sentiment_score":0.3294832805792491,"channel":1,"num_words":3,"start":2697.8499,"end":2699.15},{"sentences":[{"text":"Excellent.","start":2703.0352,"end":2703.5352,"sentiment":"positive","sentiment_score":0.46552324295043945},{"text":"Now if you go down to the next page, that's the page that's gonna have the changes to be made to your super with regards to the investment plan.","start":2703.675,"end":2712.655,"sentiment":"neutral","sentiment_score":0.13542659143949376}],"sentiment":"neutral","sentiment_score":0.14642981315652528,"channel":0,"num_words":30,"start":2703.0352,"end":2712.655},{"sentences":[{"text":"Yeah.","start":2718.1401,"end":2718.54,"sentiment":"neutral","sentiment_score":0.05787879228591919},{"text":"Oh, your search has got the page.","start":2718.54,"end":2719.9001,"sentiment":"neutral","sentiment_score":0.060238518353019445},{"text":"Yep.","start":2719.9001,"end":2720.4001,"sentiment":"neutral","sentiment_score":0.10118433088064194},{"text":"It's good right","start":2721.1,"end":2721.7402,"sentiment":"neutral","sentiment_score":0.16214290261268616}],"sentiment":"neutral","sentiment_score":0.08893012162297964,"channel":1,"num_words":12,"start":2718.1401,"end":2721.7402},{"sentences":[{"text":"Yes.","start":2721.7,"end":2721.94,"sentiment":"neutral","sentiment_score":0.1493503451347351}],"sentiment":"neutral","sentiment_score":0.1493503451347351,"channel":0,"num_words":1,"start":2721.7,"end":2721.94},{"sentences":[{"text":"now.","start":2721.7402,"end":2722.2202,"sentiment":"neutral","sentiment_score":0.16974002122879028}],"sentiment":"neutral","sentiment_score":0.16974002122879028,"channel":1,"num_words":1,"start":2721.7402,"end":2722.2202},{"sentences":[{"text":"Beautiful.","start":2721.94,"end":2722.44,"sentiment":"neutral","sentiment_score":0.3192442059516907}],"sentiment":"neutral","sentiment_score":0.3192442059516907,"channel":0,"num_words":1,"start":2721.94,"end":2722.44},{"sentences":[{"text":"Yeah.","start":2722.2202,"end":2722.7202,"sentiment":"neutral","sentiment_score":0.14247292280197144},{"text":"Got it.","start":2722.86,"end":2723.6802,"sentiment":"neutral","sentiment_score":0.13312705606222153}],"sentiment":"neutral","sentiment_score":0.1362423449754715,"channel":1,"num_words":3,"start":2722.2202,"end":2723.6802},{"sentences":[{"text":"Yeah.","start":2723.5398,"end":2724.0398,"sentiment":"neutral","sentiment_score":0.07222799211740494},{"text":"So just sort of running through these, and I said, yeah, your portfolio was a bit older than Angela's was, so there was definitely a few more investments to look at maybe switching out for you.","start":2724.26,"end":2733.375,"sentiment":"neutral","sentiment_score":0.06801862559384769},{"text":"But we've also got","start":2734.075,"end":2735.115,"sentiment":"neutral","sentiment_score":0.07632599212229252}],"sentiment":"neutral","sentiment_score":0.06893176785329493,"channel":0,"num_words":41,"start":2723.5398,"end":2735.115},{"sentences":[{"text":"Mhmm.","start":2734.9548,"end":2735.4548,"sentiment":"neutral","sentiment_score":0.05003672838211059}],"sentiment":"neutral","sentiment_score":0.05003672838211059,"channel":1,"num_words":1,"start":2734.9548,"end":2735.4548},{"sentences":[{"text":"at the top there the Benelon Australian equities.","start":2735.115,"end":2737.455,"sentiment":"neutral","sentiment_score":0.05325376708060503},{"text":"That was the one that we discussed last time was underperforming pretty heavily.","start":2737.515,"end":2741.135,"sentiment":"negative","sentiment_score":-0.3790865574891751},{"text":"We're gonna knock that straight out of your portfolio and take it down to zero, so remove that completely.","start":2741.435,"end":2746.76,"sentiment":"negative","sentiment_score":-0.49506667099500956},{"text":"You've also got the Vanguard diversified index.","start":2747.78,"end":2750.5798,"sentiment":"neutral","sentiment_score":-0.17225346288510732},{"text":"That one there has also not been performing as well as it should have been, so we are removing that completely from your portfolio.","start":2750.5798,"end":2756.8398,"sentiment":"neutral","sentiment_score":-0.3131133833279212}],"sentiment":"neutral","sentiment_score":-0.3187162999955701,"channel":0,"num_words":71,"start":2735.115,"end":2756.8398},{"sentences":[{"text":"Mhmm.","start":2757.9802,"end":2758.4802,"sentiment":"neutral","sentiment_score":-0.022147849202156067}],"sentiment":"neutral","sentiment_score":-0.022147849202156067,"channel":1,"num_words":1,"start":2757.9802,"end":2758.4802},{"sentences":[{"text":"You've also got that cybersecurity.","start":2758.185,"end":2759.885,"sentiment":"neutral","sentiment_score":-0.023361020535230637},{"text":"You both have this investment.","start":2760.5051,"end":2761.885,"sentiment":"neutral","sentiment_score":0.03128117546439171},{"text":"It's giving you access to global cybersecurity, and it's essentially also giving you access to some tech as well.","start":2761.945,"end":2768.685,"sentiment":"neutral","sentiment_score":0.1691388017252872},{"text":"We are keeping that in the portfolio.","start":2768.985,"end":2770.685,"sentiment":"neutral","sentiment_score":0.08437979168125562},{"text":"There is still a place and some growth to obtain from that one.","start":2770.745,"end":2774.51,"sentiment":"neutral","sentiment_score":0.032630772258226685}],"sentiment":"neutral","sentiment_score":0.08710401201126527,"channel":0,"num_words":49,"start":2758.185,"end":2774.51},{"sentences":[{"text":"You're a bit underweight at the moment.","start":2774.8901,"end":2776.49,"sentiment":"neutral","sentiment_score":-0.3200653748852866},{"text":"You wanna hold 7%.","start":2776.49,"end":2777.9302,"sentiment":"neutral","sentiment_score":-0.2243577353656292},{"text":"You're sitting at about 6.35, so we're gonna buy a little bit more of that investment for you.","start":2777.9302,"end":2782.99,"sentiment":"neutral","sentiment_score":-0.09575681015849113},{"text":"We've also got the battery and lithium tech.","start":2784.6501,"end":2786.715,"sentiment":"neutral","sentiment_score":0.018867402337491512},{"text":"We are holding tech in other areas.","start":2786.715,"end":2788.7952,"sentiment":"neutral","sentiment_score":0.014875993132591248}],"sentiment":"neutral","sentiment_score":-0.10469181767918846,"channel":0,"num_words":44,"start":2774.8901,"end":2788.7952},{"sentences":[{"text":"So battery and lithium and the one below that, the the MorningStar Global tech, they are gonna be removed out of your portfolio.","start":2788.7952,"end":2795.935,"sentiment":"neutral","sentiment_score":-0.04630759366504524},{"text":"They have done really well, but we can still hold tech in other ways, and it makes the portfolio cheaper for you as well.","start":2796.235,"end":2803.08,"sentiment":"neutral","sentiment_score":0.17377319668109217}],"sentiment":"neutral","sentiment_score":0.06607408651170578,"channel":0,"num_words":47,"start":2788.7952,"end":2803.08},{"sentences":[{"text":"Mhmm.","start":2804.5999,"end":2805.0999,"sentiment":"neutral","sentiment_score":0.02789096906781197}],"sentiment":"neutral","sentiment_score":0.02789096906781197,"channel":1,"num_words":1,"start":2804.5999,"end":2805.0999},{"sentences":[{"text":"Underneath that, you've got the iShares Europe investment.","start":2806.58,"end":2809.4,"sentiment":"neutral","sentiment_score":0.01707174419425428},{"text":"That one is coming out of there as well.","start":2809.54,"end":2811.62,"sentiment":"neutral","sentiment_score":0.04488779811395539},{"text":"We'll still hold exposure to it.","start":2811.62,"end":2813.46,"sentiment":"neutral","sentiment_score":0.04789999624093374},{"text":"We just don't need to hold that investment.","start":2813.46,"end":2815.4,"sentiment":"neutral","sentiment_score":0.005009491695091128},{"text":"And then the s and p 500 is the one below that.","start":2817.095,"end":2820.375,"sentiment":"neutral","sentiment_score":0.048084868428607784}],"sentiment":"neutral","sentiment_score":0.03360601090068041,"channel":0,"num_words":43,"start":2806.58,"end":2820.375},{"sentences":[{"text":"That is, again, giving you access and exposure to the top 500 companies within The US.","start":2820.375,"end":2825.115,"sentiment":"neutral","sentiment_score":0.11021893774159253},{"text":"It is still a great place for the investment.","start":2825.255,"end":2827.1948,"sentiment":"neutral","sentiment_score":0.317570557196935},{"text":"It does see ups and downs, but you do see good growth in international equity.","start":2827.415,"end":2831.6301,"sentiment":"neutral","sentiment_score":0.19976433565219243},{"text":"So we wanna keep 25% of this investment.","start":2831.6301,"end":2834.59,"sentiment":"neutral","sentiment_score":0.1376838688738644},{"text":"You are a bit overweighted.","start":2834.59,"end":2835.8901,"sentiment":"neutral","sentiment_score":-0.10604539513587952}],"sentiment":"neutral","sentiment_score":0.15451598167419434,"channel":0,"num_words":53,"start":2820.375,"end":2835.8901},{"sentences":[{"text":"You currently hold 32.65 percent there.","start":2836.35,"end":2839.47,"sentiment":"neutral","sentiment_score":-0.11508318409323692},{"text":"We're gonna sell some of that and just rebalance your portfolio back to 25%.","start":2839.47,"end":2844.05,"sentiment":"neutral","sentiment_score":-0.05168323405086994},{"text":"You've also got the iShares Asia.","start":2846.795,"end":2848.9548,"sentiment":"neutral","sentiment_score":-0.013773333902160326},{"text":"We are removing that completely from the portfolio.","start":2848.9548,"end":2851.615,"sentiment":"neutral","sentiment_score":-0.14713320322334766},{"text":"It's kinda underperforming a little bit.","start":2851.6748,"end":2853.595,"sentiment":"neutral","sentiment_score":-0.3064132233460744}],"sentiment":"neutral","sentiment_score":-0.11280623376369477,"channel":0,"num_words":40,"start":2836.35,"end":2853.595},{"sentences":[{"text":"It has been great over the past few years, but it is time to remove it out to replace that and still give you exposure.","start":2853.595,"end":2859.295,"sentiment":"neutral","sentiment_score":-0.06928694322705269},{"text":"And then the Van Eck China new economy.","start":2861.19,"end":2864.33,"sentiment":"neutral","sentiment_score":0.0022229852620512247},{"text":"This investment you had about 2% off, it hasn't been performing.","start":2864.71,"end":2868.25,"sentiment":"neutral","sentiment_score":-0.22642188383774323},{"text":"China really didn't do what it was supposed to, and there's still quite some high tensions there as well.","start":2868.47,"end":2873.03,"sentiment":"negative","sentiment_score":-0.5185762157565669},{"text":"So we are just gonna remove that from the portfolio because there is a risk of it underperforming better than what it already has.","start":2873.03,"end":2880.835,"sentiment":"negative","sentiment_score":-0.4928015594681104}],"sentiment":"neutral","sentiment_score":-0.2975312177862587,"channel":0,"num_words":87,"start":2853.595,"end":2880.835},{"sentences":[{"text":"Okay.","start":2881.135,"end":2881.635,"sentiment":"neutral","sentiment_score":-0.05183957889676094},{"text":"Underneath that, where we're gonna buy into replace some of those ones that we're removing, we'll give you exposure to the India quality ETF.","start":2884.4148,"end":2892.7,"sentiment":"neutral","sentiment_score":0.01354279303147147},{"text":"So India has been some really good growth.","start":2892.76,"end":2894.6802,"sentiment":"positive","sentiment_score":0.5155848488211632},{"text":"You wanna see more growth there, and we can see growth coming.","start":2894.6802,"end":2897.74,"sentiment":"positive","sentiment_score":0.4151384010910988},{"text":"So we'll see about 7% of that investment there for you.","start":2898.12,"end":2901.58,"sentiment":"neutral","sentiment_score":0.31333111226558685}],"sentiment":"neutral","sentiment_score":0.22903873736504465,"channel":0,"num_words":56,"start":2881.135,"end":2901.58},{"sentences":[{"text":"Underneath that,","start":2902.205,"end":2902.845,"sentiment":"neutral","sentiment_score":0.06740491278469563}],"sentiment":"neutral","sentiment_score":0.06740491278469563,"channel":0,"num_words":2,"start":2902.205,"end":2902.845},{"sentences":[{"text":"Mhmm.","start":2902.7148,"end":2903.2148,"sentiment":"neutral","sentiment_score":0.036865487694740295}],"sentiment":"neutral","sentiment_score":0.036865487694740295,"channel":1,"num_words":1,"start":2902.7148,"end":2903.2148},{"sentences":[{"text":"you've got global health care.","start":2902.845,"end":2904.125,"sentiment":"neutral","sentiment_score":0.16180282235145568},{"text":"They're giving you access and exposure to the health care sector globally, and we wanna hold 7% in that investment.","start":2904.125,"end":2911.025,"sentiment":"neutral","sentiment_score":0.1754554234445095},{"text":"We have seen some good growth, wanna see good growth moving forward, and this is giving you exposure to health care in general, but also the tech side of things.","start":2911.085,"end":2918.94,"sentiment":"positive","sentiment_score":0.3590711494286855},{"text":"And there's a lot of changes coming within that space, so it is good to have that invested in your portfolio.","start":2918.94,"end":2924.5598,"sentiment":"neutral","sentiment_score":0.2783228038322358},{"text":"You will also see underneath that the beta shares Rafi of Australia two hundred.","start":2926.6199,"end":2930.955,"sentiment":"neutral","sentiment_score":0.14083667578441755}],"sentiment":"neutral","sentiment_score":0.25451943783296477,"channel":0,"num_words":90,"start":2902.845,"end":2930.955},{"sentences":[{"text":"So this is giving you some exposure into the Australian market.","start":2930.955,"end":2935.8352,"sentiment":"neutral","sentiment_score":0.17752500962127338},{"text":"We are holding that investment at about 15% for your portfolio.","start":2935.8352,"end":2939.8552,"sentiment":"neutral","sentiment_score":0.1509219448674809},{"text":"And to give you some more exposure to the Australian market, we're also holding underneath that the a 200.","start":2940.235,"end":2945.88,"sentiment":"neutral","sentiment_score":0.07438653923178974},{"text":"So these two investments are giving you exposure to essentially some of the top technically 400 companies on the ASX.","start":2946.0398,"end":2953.8198,"sentiment":"neutral","sentiment_score":0.1400016091763973},{"text":"It's not necessarily buying the same country companies.","start":2953.88,"end":2957.0798,"sentiment":"neutral","sentiment_score":-0.016402949579060078}],"sentiment":"neutral","sentiment_score":0.11152274393732997,"channel":0,"num_words":69,"start":2930.955,"end":2957.0798},{"sentences":[{"text":"It weights differently depending on, you know, what companies fit the two portfolios, which is great.","start":2957.0798,"end":2963.2651,"sentiment":"neutral","sentiment_score":0.11474398453719914},{"text":"So it's not holding the same companies over and overexposing you in any way.","start":2963.2651,"end":2967.605,"sentiment":"neutral","sentiment_score":-0.0025720300951174307},{"text":"Together, they will be about 25% of your portfolio, Sergio, and it's about looking at making sure we're getting some Australian exposure because Australia does provide and has provided some good growth, not as much as international equities, but we still need to hold some Australian companies.","start":2968.065,"end":2984.26,"sentiment":"neutral","sentiment_score":0.21721081705169476},{"text":"They do provide good good growth and exposure there for you.","start":2984.26,"end":2988.185,"sentiment":"positive","sentiment_score":0.5092944557016547},{"text":"Okay?","start":2988.185,"end":2988.685,"sentiment":"neutral","sentiment_score":0.10129307210445404}],"sentiment":"neutral","sentiment_score":0.19901500918557136,"channel":0,"num_words":89,"start":2957.0798,"end":2988.685},{"sentences":[{"text":"Okay.","start":2988.785,"end":2989.285,"sentiment":"neutral","sentiment_score":0.0835164338350296}],"sentiment":"neutral","sentiment_score":0.0835164338350296,"channel":1,"num_words":1,"start":2988.785,"end":2989.285},{"sentences":[{"text":"Underneath, we also have that day reg, the JT Morgan Global where you said enhanced equity funds.","start":2991.225,"end":2996.2651,"sentiment":"neutral","sentiment_score":0.09468281838823767},{"text":"So one of the things that you both were comfortable with was having a little bit of active management here.","start":2996.2651,"end":3001.085,"sentiment":"neutral","sentiment_score":0.23542740941047668},{"text":"So with this portfolio, with this investment, it does it's a it's a passively managed fund, but it has a small active component, which is great.","start":3001.27,"end":3009.53,"sentiment":"positive","sentiment_score":0.43915431316082293},{"text":"So it's a cheap investment to hold, and it has some active management.","start":3009.6702,"end":3013.35,"sentiment":"positive","sentiment_score":0.6038031073716971},{"text":"It utilizes JPMorgan's research team to pick and choose areas of growth, and they add additional investments in utilizing that.","start":3013.35,"end":3020.965,"sentiment":"positive","sentiment_score":0.3644614316523075}],"sentiment":"positive","sentiment_score":0.34244622158197063,"channel":0,"num_words":96,"start":2991.225,"end":3020.965},{"sentences":[{"text":"It's also global, so it's also giving you great diversification.","start":3020.965,"end":3024.425,"sentiment":"positive","sentiment_score":0.5660536080598831},{"text":"As much as you're in that high growth environment, we still want to see that ninety ten split and take a bit more risk to get returns.","start":3024.965,"end":3031.92,"sentiment":"neutral","sentiment_score":0.13583055566306468},{"text":"But where we can humanly possible mitigate risk, we wanna also look at doing that.","start":3032.38,"end":3037.0999,"sentiment":"neutral","sentiment_score":0.16179933647314707},{"text":"So diversification is one of the best ways to mitigate market risk and spreading that risk level across different asset classes, different countries, and also different areas of investment.","start":3037.0999,"end":3047.815,"sentiment":"neutral","sentiment_score":0.27035733749126567},{"text":"So that's one of the good things we do wanna have in here, and this investment has been some really good growth as well.","start":3047.815,"end":3053.895,"sentiment":"positive","sentiment_score":0.6304574323197206}],"sentiment":"neutral","sentiment_score":0.33072659327160747,"channel":0,"num_words":105,"start":3020.965,"end":3053.895},{"sentences":[{"text":"Okay.","start":3053.895,"end":3054.395,"sentiment":"neutral","sentiment_score":0.14502234756946564},{"text":"Underneath that, which kinda goes on to the next page a little, you've got your physical gold.","start":3057.07,"end":3062.05,"sentiment":"neutral","sentiment_score":0.07616077955154811},{"text":"Physical gold has been really good growth.","start":3062.1099,"end":3064.43,"sentiment":"positive","sentiment_score":0.36074050409453257},{"text":"We still expect it to.","start":3064.43,"end":3065.89,"sentiment":"neutral","sentiment_score":0.2393103539943695},{"text":"We wanna hold 7% in your portfolio.","start":3066.3499,"end":3069.0898,"sentiment":"neutral","sentiment_score":0.12017436219113213}],"sentiment":"neutral","sentiment_score":0.1622354441599266,"channel":0,"num_words":37,"start":3053.895,"end":3069.0898},{"sentences":[{"text":"We'll have physical physical gold in both your portfolios, essentially.","start":3069.39,"end":3072.5552,"sentiment":"neutral","sentiment_score":0.10969309881329536},{"text":"One of the good things is physical gold is a growth investment.","start":3074.0552,"end":3076.715,"sentiment":"neutral","sentiment_score":0.3267548916240533},{"text":"It does see fantastic growth, but it is also a defensive investment at times because if you think back to the GFC or when markets or equities don't perform as well, people move money into physical gold as a bit of a safe haven.","start":3076.7751,"end":3089.49,"sentiment":"neutral","sentiment_score":0.27084858613935386},{"text":"So it's a growth asset that can act defensively when it needs to as well, and we all love a bit of physical gold.","start":3089.49,"end":3096.37,"sentiment":"positive","sentiment_score":0.36470866451660794},{"text":"So holding 7% in your portfolio is good.","start":3096.37,"end":3099.225,"sentiment":"neutral","sentiment_score":0.3047358952462673}],"sentiment":"neutral","sentiment_score":0.2870022713073662,"channel":0,"num_words":98,"start":3069.39,"end":3099.225},{"sentences":[{"text":"And then you've also got core composite bonds.","start":3100.105,"end":3102.665,"sentiment":"neutral","sentiment_score":0.17460065707564354},{"text":"This is giving you exposure to both government and corporate funds.","start":3102.665,"end":3106.5251,"sentiment":"neutral","sentiment_score":0.17521956021135504},{"text":"It's essentially holding about 7%.","start":3106.985,"end":3109.405,"sentiment":"neutral","sentiment_score":0.11751717925071717},{"text":"This newer portfolio, when you both sort of have a look, it's the same portfolio for the both of you.","start":3110.105,"end":3115.1802,"sentiment":"neutral","sentiment_score":0.19239211082458496},{"text":"It's just basically in different weighting.","start":3115.1802,"end":3117.12,"sentiment":"neutral","sentiment_score":0.11841074004769325}],"sentiment":"neutral","sentiment_score":0.16940225943922996,"channel":0,"num_words":50,"start":3100.105,"end":3117.12},{"sentences":[{"text":"And, Angela, you also have a little bit more defensive.","start":3117.4202,"end":3119.84,"sentiment":"neutral","sentiment_score":0.12455092519521713},{"text":"So you've got the iShares","start":3119.9802,"end":3121.12,"sentiment":"neutral","sentiment_score":0.05759268552064896}],"sentiment":"neutral","sentiment_score":0.10223151197036108,"channel":0,"num_words":15,"start":3117.4202,"end":3121.12},{"sentences":[{"text":"Yes.","start":3120.71,"end":3121.21,"sentiment":"neutral","sentiment_score":0.061540018767118454}],"sentiment":"neutral","sentiment_score":0.061540018767118454,"channel":1,"num_words":1,"start":3120.71,"end":3121.21},{"sentences":[{"text":"yield plus.","start":3121.1802,"end":3121.9802,"sentiment":"neutral","sentiment_score":0.06909745931625366},{"text":"So this is the different weighting giving you so you get more high growth for the asset allocation, other making sure that you're, you know, looking at a good diversified portfolio that's low cost, has shown good past performance, and looking to mitigate as much CGT to change the portfolio as possible.","start":3121.9802,"end":3139.855,"sentiment":"neutral","sentiment_score":0.29107583170899975},{"text":"Does that make sense?","start":3140.075,"end":3140.9548,"sentiment":"neutral","sentiment_score":0.16473353281617165},{"text":"Do you have any questions about this at all?","start":3140.9548,"end":3143.25,"sentiment":"neutral","sentiment_score":0.02521445353825887}],"sentiment":"neutral","sentiment_score":0.24119406538223154,"channel":0,"num_words":67,"start":3121.1802,"end":3143.25},{"sentences":[{"text":"No.","start":3144.23,"end":3144.3901,"sentiment":"neutral","sentiment_score":-0.07772881537675858},{"text":"No.","start":3144.3901,"end":3144.8901,"sentiment":"neutral","sentiment_score":-0.001136843115091324}],"sentiment":"neutral","sentiment_score":-0.03943282924592495,"channel":1,"num_words":2,"start":3144.23,"end":3144.8901},{"sentences":[{"text":"Beautiful.","start":3147.01,"end":3147.51,"sentiment":"positive","sentiment_score":0.4248678684234619},{"text":"Excellent.","start":3147.73,"end":3148.23,"sentiment":"positive","sentiment_score":0.4346544146537781},{"text":"If you scroll down for me to page number 46, this here is just recommending that we retain your life, your CPD, and your income protection within within a center.","start":3150.13,"end":3160.535,"sentiment":"neutral","sentiment_score":0.12343607445557912},{"text":"Just keeping as is, you may mention that you were comfortable with the level of cover you have between your life, your TPD, and your income protection level is as per your current income.","start":3160.9949,"end":3171.095,"sentiment":"neutral","sentiment_score":0.12101692180423175},{"text":"So it does work and is at the right level there.","start":3171.155,"end":3174.42,"sentiment":"positive","sentiment_score":0.3447861671447754}],"sentiment":"neutral","sentiment_score":0.16194581424261068,"channel":0,"num_words":77,"start":3147.01,"end":3174.42},{"sentences":[{"text":"So we're recommending to retain that exactly as it is, and we'll just make sure that moving forward, we do, you know, reevaluate those levels of cover with you and make alterations as they needed.","start":3174.42,"end":3185.24,"sentiment":"neutral","sentiment_score":0.11283461792128427},{"text":"Okay?","start":3185.54,"end":3186.04,"sentiment":"neutral","sentiment_score":0.06021750718355179}],"sentiment":"neutral","sentiment_score":0.11137303151190281,"channel":0,"num_words":36,"start":3174.42,"end":3186.04},{"sentences":[{"text":"Okay.","start":3187.0652,"end":3187.5652,"sentiment":"neutral","sentiment_score":0.15632738173007965}],"sentiment":"neutral","sentiment_score":0.15632738173007965,"channel":1,"num_words":1,"start":3187.0652,"end":3187.5652},{"sentences":[{"text":"Beautiful.","start":3189.105,"end":3189.605,"sentiment":"positive","sentiment_score":0.3842365741729736},{"text":"Down on page number 48, I also have that same projected table that shows you the effect of having insurances paid out of super on your on your super balance over the next five to ten years.","start":3190.545,"end":3206.25,"sentiment":"neutral","sentiment_score":0.06061845937290707}],"sentiment":"neutral","sentiment_score":0.0691347255518562,"channel":0,"num_words":38,"start":3189.105,"end":3206.25},{"sentences":[{"text":"Mhmm.","start":3206.98,"end":3207.48,"sentiment":"neutral","sentiment_score":0.06166267767548561}],"sentiment":"neutral","sentiment_score":0.06166267767548561,"channel":1,"num_words":1,"start":3206.98,"end":3207.48},{"sentences":[{"text":"Beautiful.","start":3208.95,"end":3209.45,"sentiment":"neutral","sentiment_score":0.18586185574531555},{"text":"So you'll see here with this under the outcome there, you've got your current table that shows your current portfolio, your current projected outcome, current fees, and then the recommended is the recommended side of the above table again.","start":3209.59,"end":3221.675,"sentiment":"neutral","sentiment_score":0.10702870365900871},{"text":"So retaining your current insurance premium, but the new portfolio projected over the next five to ten years.","start":3221.675,"end":3227.8552,"sentiment":"neutral","sentiment_score":0.05480715860095289},{"text":"The last column shows the same recommended for newer portfolio projected.","start":3228.0752,"end":3232.5752,"sentiment":"neutral","sentiment_score":0.05392343144525181},{"text":"However, if you did not pay any insurances out of your super fund.","start":3233.3,"end":3236.98,"sentiment":"neutral","sentiment_score":-0.027674076075737294}],"sentiment":"neutral","sentiment_score":0.06804762085581698,"channel":0,"num_words":82,"start":3208.95,"end":3236.98},{"sentences":[{"text":"So it's essentially showing you with the recommended over the next five to ten years, we understand that insurance premiums have an impact on your balance, and this shows you that impact over the next five to ten years based on the recommended side of the table.","start":3236.98,"end":3252.345,"sentiment":"neutral","sentiment_score":0.040406213795885125},{"text":"Okay.","start":3252.565,"end":3253.065,"sentiment":"neutral","sentiment_score":0.08690991997718811}],"sentiment":"neutral","sentiment_score":0.041375041007995605,"channel":0,"num_words":48,"start":3236.98,"end":3253.065},{"sentences":[{"text":"Okay.","start":3253.7998,"end":3254.2998,"sentiment":"neutral","sentiment_score":0.14255914092063904}],"sentiment":"neutral","sentiment_score":0.14255914092063904,"channel":1,"num_words":1,"start":3253.7998,"end":3254.2998},{"sentences":[{"text":"Beautiful.","start":3256.0051,"end":3256.5051,"sentiment":"neutral","sentiment_score":0.32648923993110657},{"text":"From there, if I can get you to skip a few pages and go to page number 50, this is just looking at the beneficiary.","start":3258.82,"end":3265.88,"sentiment":"neutral","sentiment_score":0.09475545659661293}],"sentiment":"neutral","sentiment_score":0.10366829441717038,"channel":0,"num_words":26,"start":3256.0051,"end":3265.88},{"sentences":[{"text":"Mhmm.","start":3268.115,"end":3268.615,"sentiment":"neutral","sentiment_score":0.07638266682624817},{"text":"Yep.","start":3270.115,"end":3270.615,"sentiment":"neutral","sentiment_score":0.11807708442211153}],"sentiment":"neutral","sentiment_score":0.09722987562417984,"channel":1,"num_words":2,"start":3268.115,"end":3270.615},{"sentences":[{"text":"Beautiful.","start":3272.225,"end":3272.725,"sentiment":"neutral","sentiment_score":0.0534493587911129},{"text":"So this is for the both of you just recommending that we realign your beneficiary nominations on your hub 20 four super and, Sergio, your ascender life insurance policy so that if in the event that one you passes away, your super benefit and your life insurance is paid to the other spouse.","start":3272.865,"end":3289.98,"sentiment":"neutral","sentiment_score":0.2933276665379416},{"text":"That allows you then to keep paying down debts and covering bills and things like that.","start":3290.12,"end":3294.7,"sentiment":"positive","sentiment_score":0.46439833007752895},{"text":"And then if you scroll down even lower, we've got the recommendation to speak to a solicitor and have a will and power of attorney drawn up.","start":3295.0,"end":3303.815,"sentiment":"neutral","sentiment_score":0.22785831767099876},{"text":"And these essentially allow you to then account for the other side of it where if something happens to the both of you, that how would that money be held in trust to your kids, how would it be paid out, what you wanted to have it you know, what percentage you want to have it paid out in, and how you wanted that to work.","start":3303.815,"end":3321.8499,"sentiment":"neutral","sentiment_score":0.3213760331273079}],"sentiment":"neutral","sentiment_score":0.3091606241108084,"channel":0,"num_words":163,"start":3272.225,"end":3321.8499},{"sentences":[{"text":"So it's","start":3322.0698,"end":3322.47,"sentiment":"neutral","sentiment_score":0.21062882989645004}],"sentiment":"neutral","sentiment_score":0.21062882989645004,"channel":0,"num_words":2,"start":3322.0698,"end":3322.47},{"sentences":[{"text":"Alright.","start":3322.41,"end":3322.91,"sentiment":"neutral","sentiment_score":0.2882525324821472}],"sentiment":"neutral","sentiment_score":0.2882525324821472,"channel":1,"num_words":1,"start":3322.41,"end":3322.91},{"sentences":[{"text":"yeah.","start":3322.71,"end":3323.03,"sentiment":"neutral","sentiment_score":0.28426557779312134},{"text":"So, essentially, you'll see for beneficiaries cover if one of you was passed away, and then the contingency is placed in a will and having that done through a qualified solicitor can help you to make sure that those are up to date, correct,","start":3323.03,"end":3336.605,"sentiment":"neutral","sentiment_score":0.26252538422969257}],"sentiment":"neutral","sentiment_score":0.2630084996422132,"channel":0,"num_words":45,"start":3322.71,"end":3336.605},{"sentences":[{"text":"Mhmm.","start":3336.135,"end":3336.2952,"sentiment":"neutral","sentiment_score":0.18127132952213287},{"text":"Yep.","start":3336.2952,"end":3336.7952,"sentiment":"neutral","sentiment_score":0.2731914818286896}],"sentiment":"neutral","sentiment_score":0.22723140567541122,"channel":1,"num_words":2,"start":3336.135,"end":3336.7952},{"sentences":[{"text":"and reflective of your wishes.","start":3336.605,"end":3338.385,"sentiment":"positive","sentiment_score":0.37266884446144105},{"text":"Okay.","start":3338.845,"end":3339.345,"sentiment":"neutral","sentiment_score":0.16723692417144775}],"sentiment":"positive","sentiment_score":0.3384301910797755,"channel":0,"num_words":6,"start":3336.605,"end":3339.345},{"sentences":[{"text":"Okay.","start":3339.24,"end":3339.74,"sentiment":"neutral","sentiment_score":0.12356096506118774},{"text":"Yeah.","start":3339.96,"end":3340.36,"sentiment":"neutral","sentiment_score":0.1374155580997467},{"text":"So Cedric 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that's","start":3345.06,"end":3345.8,"sentiment":"neutral","sentiment_score":0.1086835265159607}],"sentiment":"neutral","sentiment_score":0.1086835265159607,"channel":0,"num_words":2,"start":3345.06,"end":3345.8},{"sentences":[{"text":"So so","start":3345.56,"end":3346.52,"sentiment":"neutral","sentiment_score":0.13580675050616264}],"sentiment":"neutral","sentiment_score":0.13580675050616264,"channel":1,"num_words":2,"start":3345.56,"end":3346.52},{"sentences":[{"text":"that's","start":3346.34,"end":3346.82,"sentiment":"neutral","sentiment_score":0.15155494213104248}],"sentiment":"neutral","sentiment_score":0.15155494213104248,"channel":0,"num_words":1,"start":3346.34,"end":3346.82},{"sentences":[{"text":"you'll be","start":3346.52,"end":3346.84,"sentiment":"neutral","sentiment_score":0.17348050326108932}],"sentiment":"neutral","sentiment_score":0.17348050326108932,"channel":1,"num_words":2,"start":3346.52,"end":3346.84},{"sentences":[{"text":"absolutely","start":3346.82,"end":3347.32,"sentiment":"neutral","sentiment_score":0.11673639714717864}],"sentiment":"neutral","sentiment_score":0.11673639714717864,"channel":0,"num_words":1,"start":3346.82,"end":3347.32},{"sentences":[{"text":"just talking to me","start":3346.84,"end":3347.6401,"sentiment":"neutral","sentiment_score":0.1325200591236353}],"sentiment":"neutral","sentiment_score":0.1325200591236353,"channel":1,"num_words":4,"start":3346.84,"end":3347.6401},{"sentences":[{"text":"fine.","start":3347.6199,"end":3348.1199,"sentiment":"neutral","sentiment_score":0.17886295914649963}],"sentiment":"neutral","sentiment_score":0.17886295914649963,"channel":0,"num_words":1,"start":3347.6199,"end":3348.1199},{"sentences":[{"text":"for a bit.","start":3347.6401,"end":3348.46,"sentiment":"neutral","sentiment_score":0.05746320138374964}],"sentiment":"neutral","sentiment_score":0.05746320138374964,"channel":1,"num_words":3,"start":3347.6401,"end":3348.46},{"sentences":[{"text":"That's not a problem at all.","start":3350.42,"end":3352.44,"sentiment":"neutral","sentiment_score":0.2596133550008138},{"text":"Angela, if I can get you to scroll down to page number 59 for me, the last little things I need to show you are just the remuneration side of things.","start":3353.14,"end":3361.065,"sentiment":"neutral","sentiment_score":0.13327595747766957}],"sentiment":"neutral","sentiment_score":0.15376310302196322,"channel":0,"num_words":37,"start":3350.42,"end":3361.065},{"sentences":[{"text":"It'll be fine with him, so now I have to go back on my 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back.","start":3662.6501,"end":3671.145,"sentiment":"neutral","sentiment_score":0.20531514496542513},{"text":"Now I","start":3671.545,"end":3671.785,"sentiment":"neutral","sentiment_score":0.02970567438751459}],"sentiment":"neutral","sentiment_score":0.18158259373554525,"channel":0,"num_words":47,"start":3659.45,"end":3671.785},{"sentences":[{"text":"Okay.","start":3671.75,"end":3672.25,"sentiment":"neutral","sentiment_score":0.051084913313388824}],"sentiment":"neutral","sentiment_score":0.051084913313388824,"channel":1,"num_words":1,"start":3671.75,"end":3672.25},{"sentences":[{"text":"just need to let you know I am off for the next two weeks.","start":3671.785,"end":3675.385,"sentiment":"neutral","sentiment_score":0.018745611554809978},{"text":"I'm having a small break.","start":3675.385,"end":3676.845,"sentiment":"neutral","sentiment_score":-0.027725298330187796},{"text":"I will make sure that if I haven't heard from you beforehand that I do touch base, whether by","start":3677.625,"end":3683.065,"sentiment":"neutral","sentiment_score":0.02884178951774773}],"sentiment":"neutral","sentiment_score":0.017679107130358095,"channel":0,"num_words":38,"start":3671.785,"end":3683.065},{"sentences":[{"text":"Yep.","start":3682.985,"end":3683.485,"sentiment":"neutral","sentiment_score":0.023764651268720627}],"sentiment":"neutral","sentiment_score":0.023764651268720627,"channel":1,"num_words":1,"start":3682.985,"end":3683.485},{"sentences":[{"text":"email when I return on the twenty eighth.","start":3683.065,"end":3685.405,"sentiment":"neutral","sentiment_score":0.010046224342659116},{"text":"Just to","start":3685.49,"end":3685.8098,"sentiment":"neutral","sentiment_score":0.012743603438138962}],"sentiment":"neutral","sentiment_score":0.010585700161755085,"channel":0,"num_words":10,"start":3683.065,"end":3685.8098},{"sentences":[{"text":"Mhmm.","start":3685.7852,"end":3686.2852,"sentiment":"neutral","sentiment_score":0.02765116840600967}],"sentiment":"neutral","sentiment_score":0.02765116840600967,"channel":1,"num_words":1,"start":3685.7852,"end":3686.2852},{"sentences":[{"text":"see if you have any questions there.","start":3685.8098,"end":3687.91,"sentiment":"neutral","sentiment_score":0.020107312127947807}],"sentiment":"neutral","sentiment_score":0.020107312127947807,"channel":0,"num_words":7,"start":3685.8098,"end":3687.91},{"sentences":[{"text":"Yep.","start":3688.185,"end":3688.685,"sentiment":"neutral","sentiment_score":0.022606803104281425}],"sentiment":"neutral","sentiment_score":0.022606803104281425,"channel":1,"num_words":1,"start":3688.185,"end":3688.685},{"sentences":[{"text":"But at the moment, is there anything that's kinda come up question wise that either of you can think of?","start":3688.6099,"end":3693.89,"sentiment":"neutral","sentiment_score":-0.006225340196397156},{"text":"Or","start":3693.89,"end":3694.39,"sentiment":"neutral","sentiment_score":-0.0128279197961092}],"sentiment":"neutral","sentiment_score":-0.006539748748764396,"channel":0,"num_words":21,"start":3688.6099,"end":3694.39},{"sentences":[{"text":"Well, no.","start":3694.8252,"end":3695.3052,"sentiment":"neutral","sentiment_score":-0.03240230120718479},{"text":"Nothing's kind of out, like, I thought because I think I've asked the questions as I went.","start":3695.3052,"end":3700.39,"sentiment":"neutral","sentiment_score":-0.04645700577427359},{"text":"But","start":3701.49,"end":3701.99,"sentiment":"neutral","sentiment_score":-0.009611014276742935}],"sentiment":"neutral","sentiment_score":-0.04320923574268818,"channel":1,"num_words":20,"start":3694.8252,"end":3701.99},{"sentences":[{"text":"Yeah.","start":3701.815,"end":3702.315,"sentiment":"neutral","sentiment_score":-0.0026369988918304443}],"sentiment":"neutral","sentiment_score":-0.0026369988918304443,"channel":0,"num_words":1,"start":3701.815,"end":3702.315},{"sentences":[{"text":"when do you want this kind of well, when do you want the signing done by?","start":3702.29,"end":3706.8499,"sentiment":"neutral","sentiment_score":0.005125323543325067},{"text":"Just that way, we've got a deadline I could put in my calendar so I can we can get all of this done.","start":3706.8499,"end":3713.255,"sentiment":"neutral","sentiment_score":0.031669972545426826}],"sentiment":"neutral","sentiment_score":0.020779860134308156,"channel":1,"num_words":39,"start":3702.29,"end":3713.255},{"sentences":[{"text":"Yeah.","start":3714.39,"end":3714.71,"sentiment":"neutral","sentiment_score":0.011017661541700363},{"text":"No.","start":3714.71,"end":3714.8699,"sentiment":"neutral","sentiment_score":0.0014920774847269058},{"text":"You're right.","start":3714.8699,"end":3715.27,"sentiment":"neutral","sentiment_score":0.02124201040714979},{"text":"So there's no real deadline for you.","start":3715.27,"end":3716.95,"sentiment":"neutral","sentiment_score":-0.01729566071714674},{"text":"It's when you're comfortable to do","start":3716.95,"end":3718.55,"sentiment":"neutral","sentiment_score":0.002010421827435493}],"sentiment":"neutral","sentiment_score":-0.003177254953805138,"channel":0,"num_words":17,"start":3714.39,"end":3718.55},{"sentences":[{"text":"Okay.","start":3718.515,"end":3719.015,"sentiment":"neutral","sentiment_score":0.016273442655801773}],"sentiment":"neutral","sentiment_score":0.016273442655801773,"channel":1,"num_words":1,"start":3718.515,"end":3719.015},{"sentences":[{"text":"so.","start":3718.55,"end":3719.05,"sentiment":"neutral","sentiment_score":0.030986400321125984},{"text":"If you're happy with the recommendations and wanna take them all on board, then we'll just","start":3719.51,"end":3723.91,"sentiment":"neutral","sentiment_score":0.1492700653616339}],"sentiment":"neutral","sentiment_score":0.14231220271219225,"channel":0,"num_words":17,"start":3718.55,"end":3723.91},{"sentences":[{"text":"Yeah.","start":3723.795,"end":3724.295,"sentiment":"neutral","sentiment_score":0.03867851942777634}],"sentiment":"neutral","sentiment_score":0.03867851942777634,"channel":1,"num_words":1,"start":3723.795,"end":3724.295},{"sentences":[{"text":"need to sign and return it back as soon as possible.","start":3723.91,"end":3726.15,"sentiment":"neutral","sentiment_score":0.0520554855465889},{"text":"That would be great so we can implement","start":3726.15,"end":3728.145,"sentiment":"neutral","sentiment_score":0.19661273807287216}],"sentiment":"neutral","sentiment_score":0.1129216971366029,"channel":0,"num_words":19,"start":3723.91,"end":3728.145},{"sentences":[{"text":"Okay.","start":3727.9001,"end":3728.4001,"sentiment":"neutral","sentiment_score":0.09100279211997986}],"sentiment":"neutral","sentiment_score":0.09100279211997986,"channel":1,"num_words":1,"start":3727.9001,"end":3728.4001},{"sentences":[{"text":"everything for you and get the investments which is at least done.","start":3728.145,"end":3730.885,"sentiment":"neutral","sentiment_score":0.07716211552421252},{"text":"But","start":3731.345,"end":3731.585,"sentiment":"neutral","sentiment_score":0.07270383834838867}],"sentiment":"neutral","sentiment_score":0.07681917112607223,"channel":0,"num_words":13,"start":3728.145,"end":3731.585},{"sentences":[{"text":"Yeah.","start":3731.5,"end":3732.0,"sentiment":"neutral","sentiment_score":0.11377038061618804}],"sentiment":"neutral","sentiment_score":0.11377038061618804,"channel":1,"num_words":1,"start":3731.5,"end":3732.0},{"sentences":[{"text":"if you wanna take a second to read it, you do actually have sixty days.","start":3731.585,"end":3735.185,"sentiment":"neutral","sentiment_score":0.11315115590890248},{"text":"The advice document is valid for sixty days.","start":3735.185,"end":3737.845,"sentiment":"neutral","sentiment_score":0.14481104165315628},{"text":"And as long as you sign and return back within that time frame, that's absolutely valid and fine.","start":3738.385,"end":3743.33,"sentiment":"neutral","sentiment_score":0.20129862758848402},{"text":"Okay.","start":3743.47,"end":3743.97,"sentiment":"neutral","sentiment_score":0.16590437293052673}],"sentiment":"neutral","sentiment_score":0.15821512717576253,"channel":0,"num_words":42,"start":3731.585,"end":3743.97},{"sentences":[{"text":"Okay.","start":3744.065,"end":3744.565,"sentiment":"neutral","sentiment_score":0.2026998400688171},{"text":"Yeah.","start":3744.785,"end":3745.285,"sentiment":"positive","sentiment_score":0.3643425405025482},{"text":"Fantastic.","start":3745.425,"end":3745.925,"sentiment":"positive","sentiment_score":0.6890580058097839}],"sentiment":"positive","sentiment_score":0.41870012879371643,"channel":1,"num_words":3,"start":3744.065,"end":3745.925},{"sentences":[{"text":"Beautiful.","start":3746.1902,"end":3746.6902,"sentiment":"positive","sentiment_score":0.7129273414611816},{"text":"Excellent.","start":3747.3901,"end":3747.8901,"sentiment":"positive","sentiment_score":0.4694204926490784},{"text":"I know it's a lot, so I always make sure I give you guys chance to read it and take some time because","start":3748.03,"end":3753.25,"sentiment":"neutral","sentiment_score":0.17367402917664984}],"sentiment":"neutral","sentiment_score":0.20707402020692825,"channel":0,"num_words":25,"start":3746.1902,"end":3753.25},{"sentences":[{"text":"Yep.","start":3753.5051,"end":3754.0051,"sentiment":"neutral","sentiment_score":0.12333711236715315}],"sentiment":"neutral","sentiment_score":0.12333711236715315,"channel":1,"num_words":1,"start":3753.5051,"end":3754.0051},{"sentences":[{"text":"I know it's a lot.","start":3753.6301,"end":3754.845,"sentiment":"neutral","sentiment_score":0.21860252618789672},{"text":"But I really appreciate you allowing me to put this together.","start":3755.2449,"end":3758.125,"sentiment":"positive","sentiment_score":0.7833163440227509},{"text":"I've really enjoyed doing the research and putting it together and looking at ways that we can boost your super and make some changes, and there's","start":3758.125,"end":3765.2449,"sentiment":"positive","sentiment_score":0.7380928087692994}],"sentiment":"positive","sentiment_score":0.6880929867426554,"channel":0,"num_words":42,"start":3753.6301,"end":3765.2449},{"sentences":[{"text":"Yeah.","start":3765.51,"end":3766.01,"sentiment":"neutral","sentiment_score":0.2880871295928955}],"sentiment":"neutral","sentiment_score":0.2880871295928955,"channel":1,"num_words":1,"start":3765.51,"end":3766.01},{"sentences":[{"text":"this is just the starting point.","start":3765.565,"end":3767.005,"sentiment":"positive","sentiment_score":0.4082869589328766},{"text":"There's other things that we can do to kinda build on that down the track for you both as well.","start":3767.005,"end":3771.99,"sentiment":"positive","sentiment_score":0.5639086917042733},{"text":"Okay.","start":3772.05,"end":3772.55,"sentiment":"positive","sentiment_score":0.3609861731529236}],"sentiment":"positive","sentiment_score":0.5218104355865054,"channel":0,"num_words":27,"start":3765.565,"end":3772.55},{"sentences":[{"text":"Yeah.","start":3772.7551,"end":3773.235,"sentiment":"positive","sentiment_score":0.4010494351387024},{"text":"Thank you.","start":3773.235,"end":3773.7952,"sentiment":"positive","sentiment_score":0.5585452318191528},{"text":"No.","start":3773.7952,"end":3774.0352,"sentiment":"neutral","sentiment_score":0.12385769188404085},{"text":"Thank you for taking your time and trying to get the best out of it all for us.","start":3774.0352,"end":3778.5151,"sentiment":"positive","sentiment_score":0.6437305278248258},{"text":"Thank you.","start":3778.5151,"end":3778.995,"sentiment":"positive","sentiment_score":0.7203123271465302}],"sentiment":"positive","sentiment_score":0.6112404894083738,"channel":1,"num_words":24,"start":3772.7551,"end":3778.995},{"sentences":[{"text":"We do appreciate it.","start":3778.995,"end":3780.375,"sentiment":"positive","sentiment_score":0.7365246266126633}],"sentiment":"positive","sentiment_score":0.7365246266126633,"channel":1,"num_words":4,"start":3778.995,"end":3780.375},{"sentences":[{"text":"That's not a problem at all.","start":3780.53,"end":3783.105,"sentiment":"positive","sentiment_score":0.6338399449984232},{"text":"I will let you go.","start":3783.105,"end":3784.0652,"sentiment":"positive","sentiment_score":0.6699209809303284},{"text":"I hope you both have a lovely evening and a wonderful weekend.","start":3784.0652,"end":3787.5251,"sentiment":"positive","sentiment_score":0.7998641828695933},{"text":"And if I don't hear anything back, I would touch base when I return on the September 28.","start":3788.465,"end":3792.965,"sentiment":"neutral","sentiment_score":0.14334223419427872},{"text":"Okay?","start":3793.37,"end":3793.87,"sentiment":"neutral","sentiment_score":0.18060703575611117}],"sentiment":"positive","sentiment_score":0.4645662385792959,"channel":0,"num_words":42,"start":3780.53,"end":3793.87},{"sentences":[{"text":"Oh, fantastic.","start":3794.1848,"end":3794.765,"sentiment":"positive","sentiment_score":0.7768500447273254},{"text":"And enjoy your well deserved break.","start":3794.9849,"end":3797.885,"sentiment":"positive","sentiment_score":0.7583582103252411}],"sentiment":"positive","sentiment_score":0.7629811689257622,"channel":1,"num_words":8,"start":3794.1848,"end":3797.885},{"sentences":[{"text":"Oh, thank you so much, Angela.","start":3799.1301,"end":3801.07,"sentiment":"positive","sentiment_score":0.7373939057191213},{"text":"Thanks for taking my call.","start":3801.1301,"end":3802.81,"sentiment":"positive","sentiment_score":0.786659324169159},{"text":"Enjoy your evening.","start":3802.81,"end":3804.03,"sentiment":"positive","sentiment_score":0.6972702741622925},{"text":"Say bye,","start":3804.25,"end":3804.6501,"sentiment":"neutral","sentiment_score":0.2748250216245651}],"sentiment":"positive","sentiment_score":0.6874450575560331,"channel":0,"num_words":16,"start":3799.1301,"end":3804.6501},{"sentences":[{"text":"You","start":3804.585,"end":3804.905,"sentiment":"neutral","sentiment_score":0.32543128728866577}],"sentiment":"neutral","sentiment_score":0.32543128728866577,"channel":1,"num_words":1,"start":3804.585,"end":3804.905},{"sentences":[{"text":"and thank","start":3804.6501,"end":3805.05,"sentiment":"positive","sentiment_score":0.4892430752515793}],"sentiment":"positive","sentiment_score":0.4892430752515793,"channel":0,"num_words":2,"start":3804.6501,"end":3805.05},{"sentences":[{"text":"too.","start":3804.905,"end":3805.405,"sentiment":"positive","sentiment_score":0.4581065773963928}],"sentiment":"positive","sentiment_score":0.4581065773963928,"channel":1,"num_words":1,"start":3804.905,"end":3805.405},{"sentences":[{"text":"you to Sergei for me.","start":3805.05,"end":3806.59,"sentiment":"positive","sentiment_score":0.4703397870063782}],"sentiment":"positive","sentiment_score":0.4703397870063782,"channel":0,"num_words":5,"start":3805.05,"end":3806.59},{"sentences":[{"text":"No worries.","start":3806.7449,"end":3807.4849,"sentiment":"neutral","sentiment_score":0.207713283598423},{"text":"Bye.","start":3807.545,"end":3808.045,"sentiment":"neutral","sentiment_score":0.2497446984052658}],"sentiment":"neutral","sentiment_score":0.22172375520070395,"channel":1,"num_words":3,"start":3806.7449,"end":3808.045},{"sentences":[{"text":"Thanks.","start":3809.3489,"end":3809.8289,"sentiment":"positive","sentiment_score":0.5691735744476318},{"text":"See you later.","start":3809.8289,"end":3810.469,"sentiment":"positive","sentiment_score":0.4539854824542999},{"text":"Bye.","start":3810.469,"end":3810.969,"sentiment":"neutral","sentiment_score":-0.0963510051369667}],"sentiment":"positive","sentiment_score":0.366955803334713,"channel":0,"num_words":5,"start":3809.3489,"end":3810.969}]},"summary":{"result":"success","short":"The representative from Okie Financial called Angela to confirm her appointment for a financial advice session and provided updated information about her investment portfolio, income protection, estate planning, and beneficiaries. They emphasize the importance of building investment portfolios to meet her goals and supplement her income in retirement, and recommend a personal insurance platform. The speaker emphasizes the importance of reducing risk levels and managing risk across asset classes and countries, and offers to provide more information on a potential deadline for signing and returning the document."},"intents":{"segments":[{"text":"It's Dana from Okie Financial. How are you? Oh, good.","start_word":3,"end_word":12,"intents":[{"intent":"Verify identity","confidence_score":0.004003763}]},{"text":"I had yourself in 3rd PA booked in to go through your updated advice document. Is now still a good time for you? Yeah.","start_word":22,"end_word":45,"intents":[{"intent":"Check availability","confidence_score":0.040270463}]},{"text":"Is Sergio there with you as well? Oh, yeah.","start_word":52,"end_word":60,"intents":[{"intent":"Confirm identity","confidence_score":0.31225768}]},{"text":"What I'll do is I'm gonna send this document through to you. Is one of your or both will be able to pop into your email there just to pull it up?","start_word":70,"end_word":101,"intents":[{"intent":"Send document","confidence_score":0.14918926}]},{"text":"Now just before I jump into the call, I do have to let you know we do record our calls for quality and training purposes. Are you happy for us to proceed with that? Yes. Excellent.","start_word":191,"end_word":226,"intents":[{"intent":"Record call","confidence_score":0.07842458},{"intent":"Record call","confidence_score":0.00861143}]},{"text":"And I'll just do a quick security check there with you as well before I discuss your personal information. Just to confirm, your full name, your date of birth, and address I should have on file? Yeah.","start_word":227,"end_word":263,"intents":[{"intent":"Provide information","confidence_score":0.05145589}]},{"text":"Full name, Angela Flores. Date of birth, '17 Mhmm. 11/1984. Address is Unit 9 Stroke 49 Cambra Street, Oxley Park 2760, New South Wales. Beautiful.","start_word":264,"end_word":288,"intents":[{"intent":"Confirm date of birth","confidence_score":0.011756481}]},{"text":"Address is Unit 9 Stroke 49 Cambra Street, Oxley Park 2760, New South Wales. Beautiful.","start_word":274,"end_word":288,"intents":[{"intent":"Share address","confidence_score":0.0001287576}]},{"text":"So when Do you you need can to see confirm the first Sergio too?","start_word":296,"end_word":309,"intents":[{"intent":"Confirm first sergio","confidence_score":0.07885583}]},{"text":"I just need to say that he's there. And if you can give me here, say, the best and full name, that would be perfect. Yep.","start_word":310,"end_word":335,"intents":[{"intent":"Request name","confidence_score":0.0149024}]},{"text":"in our last call there was some underperforming investments, so we wanted to update your portfolio looking forward.","start_word":510,"end_word":527,"intents":[{"intent":"Update portfolio","confidence_score":0.12618728}]},{"text":"On the front page, sir, you'll see this document is an overview financial statement of advice prepared for yourself, Angela and Sergio, as Yes. of the 09/10/2026.","start_word":575,"end_word":601,"intents":[{"intent":"Review advice","confidence_score":0.14509413}]},{"text":"our advice is valid for sixty days from the date of the document there. So once we've gone through things, I will let you go back and you can have some time to read it over, talk it between yourselves. And then if you are happy to take on the advice, we'll get you to sign and return that back there for us. Okay? Thank you.","start_word":604,"end_word":669,"intents":[{"intent":"Sign document","confidence_score":0.068791114}]},{"text":"I am gonna skip through just a few pages as we are going through just to sort of focus on the areas that I need to touch on because I do let you go back and have some time to read it over as well. And in the meantime, if you finally have questions, please just let me know, interrupt me and shout them out. Okay? Excellent.","start_word":701,"end_word":767,"intents":[{"intent":"Address concerns","confidence_score":0.13506752}]},{"text":"But with the beneficiaries, it's essentially put onto your super to provide a benefit in the event that one of you was to pass away.","start_word":1083,"end_word":1107,"intents":[{"intent":"Provide benefit","confidence_score":0.63183415}]},{"text":"updated so that in the event of passing, you went to each other, and then just making sure you do have a will set up with a solicitor and a power of attorney to make sure that in the event that something happened to the two of you, that you could then have those funds directed through your estate to each of your children. Does that still sound fairly appropriate?","start_word":1115,"end_word":1184,"intents":[{"intent":"Set up solicitor","confidence_score":0.13495208}]},{"text":"updated so that in the event of passing, you went to each other, and then just making sure you do have a will set up with a solicitor and a power of attorney to make sure that in the event that something happened to the two of you, that you could then have those funds directed through your estate to each of your children. Does that still sound fairly appropriate? Yes.","start_word":1115,"end_word":1185,"intents":[{"intent":"Update information","confidence_score":0.09876773}]},{"text":"You do have that retirement goal, so I'm not projecting all the way to retirement essentially because you still have a lot of time ahead of you.","start_word":1216,"end_word":1242,"intents":[{"intent":"Discuss retirement goals","confidence_score":0.17006753}]},{"text":"The next page outlines the other areas that we're scoping out for personal insurances. So, Angela, you didn't wanna look at CBD, so permanent incapacity at all, and neither of you wanted to look at having trauma or child trauma cover for the insurances. Okay.","start_word":1356,"end_word":1400,"intents":[{"intent":"Suggest recommendations","confidence_score":0.000015080949}]},{"text":"But, I mean, after we had a chat and stuff like that, like, we had a chat with the mortgage broker, then, you know, both Sergio and I have sat down and, you know, reconsidered a little bit, you know, about investments Yes.","start_word":1496,"end_word":1538,"intents":[{"intent":"Discuss investments","confidence_score":0.18539476},{"intent":"Reassess recommendations","confidence_score":0.018497538}]},{"text":"And look if there's other ways of personally investing personally, you can also look at building investment portfolios, utilizing investment bonds, also portfolios with shares and ETFs and hedge funds like your suit is invested in. So we can Yes.","start_word":1659,"end_word":1698,"intents":[{"intent":"Discuss personal investing","confidence_score":0.01363074}]},{"text":"We can always refer you through to a general broker if you need the services of one. But other devices, we're licensed to provide advice around personal insurance products. So things like life, PPD, income protection, trauma, and a few other additional there as well. Okay.","start_word":1843,"end_word":1888,"intents":[{"intent":"Guide callers to advisors","confidence_score":0.003242113}]},{"text":"So what I am recommending is we do retain Hunt 24 as a platform. Mhmm. Okay.","start_word":2391,"end_word":2406,"intents":[{"intent":"Recommend retention of hunt 24 as platform","confidence_score":0.0027620334}]},{"text":"One of the things I do look at is the capital gains consequences. So your super fund, just like you, does a tax return every year. Within super, your super fund pays income tax as well as capital gains tax as well.","start_word":2413,"end_word":2454,"intents":[{"intent":"Inquire about capital gains consequences","confidence_score":0.008655171}]},{"text":"The other thing I did was have a look at the investment fees. We wanted to make sure you have the investments that were working harder for you, but I wanted to try and find a cheaper a cheaper investment portfolio because one of the ways we can sort of build and boost that super is to reduce the fees that are coming out of it. At Okay.","start_word":2508,"end_word":2575,"intents":[{"intent":"Provide information on investment fees","confidence_score":0.0007913394}]},{"text":"It's gonna change by about $19. It'll actually go down by $19 and save you at 19 Oh, okay.","start_word":2632,"end_word":2650,"intents":[{"intent":"Save money","confidence_score":0.012618301}]},{"text":"I have a a another option. It was an alternative that I've considered in the appendices, but I'll take you through what this looks like first. But just so you Okay.","start_word":2715,"end_word":2745,"intents":[{"intent":"Recommend alternative","confidence_score":0.14882876}]},{"text":"The other thing we wanna look at is how the newer portfolio has sort of grown and worked over the past couple of years. So this newer portfolio is not only cheaper, but it's also shown a greater past performance. So over the past five years, it's at least about 10.18, which is great. We wanna get as much growth as possible out of the portfolio.","start_word":2762,"end_word":2827,"intents":[{"intent":"Explain portfolio growth","confidence_score":0.060449563},{"intent":"Promote portfolio growth","confidence_score":0.0050213905}]},{"text":"We wanna get as much growth as possible out of the portfolio.","start_word":2816,"end_word":2827,"intents":[{"intent":"Encourage future growth","confidence_score":0.00068161107}]},{"text":"Now I project over the next five to ten years. So this is sort of showing you your current if you stay where you are with the same insurances in the same portfolio over the next five to ten years, you could essentially end up with about 275,000 or over 380,000 within sleep in the next ten years, which is great. Okay.","start_word":2842,"end_word":2903,"intents":[{"intent":"Propose future growth","confidence_score":0.3917421}]},{"text":"It is a lot to process. I absolutely get it. It's not a problem. It's always good that you're looking at it with me because Yes. it is a lot of numbers to go through, and it can take a minute to process it all. So absolutely.","start_word":3073,"end_word":3119,"intents":[{"intent":"Process investments","confidence_score":0.016641645}]},{"text":"reweight and rebalance your portfolio back. We sell about 3% of that, and we distribute that across the rest of the portfolio, and it just rebalances you back Okay.","start_word":3501,"end_word":3529,"intents":[{"intent":"Rebalance portfolio","confidence_score":0.0117433835}]},{"text":"This, along with the rapid, is giving you greater diversification, and one of the biggest things we look at with risk mitigation. We all wanna see good returns and take a little bit of risk, but we wanna try and mitigate as much market risk as we possibly humanly can.","start_word":4049,"end_word":4098,"intents":[{"intent":"Emphasize investor diversification","confidence_score":0.000013441561}]},{"text":"And one of the ways we look to do that is to diversify your portfolio, spreading your risk across different asset classes, across different countries, and across your your different sectors as well.","start_word":4100,"end_word":4132,"intents":[{"intent":"Divert portfolio","confidence_score":0.27296537},{"intent":"Assist with portfolio management","confidence_score":0.00084521907},{"intent":"Optimize portfolio portfolio diversification","confidence_score":0.00007086233}]},{"text":"And one of the ways we look to do that is to diversify your portfolio, spreading your risk across different asset classes, across different countries, and across your your different sectors as well. And so doing that helps to spread the risk level quite significantly. The idea is where you wanna be invested in enough countries and asset classes where if one is down, another is up to mitigate that.","start_word":4100,"end_word":4169,"intents":[{"intent":"Adjust portfolio investments","confidence_score":0.00017040345}]},{"text":"So we know markets will go up and down, but we wanna see some of the portfolio working well when others might not be working as well and vice versa. And that's how we take advantage of the market ups and downs, essentially. So this is giving you greater diversification and making sure you've got access into the Australian market there as well.","start_word":4169,"end_word":4231,"intents":[{"intent":"Evaluate portfolio performance","confidence_score":0.0116020655}]},{"text":"We'll just keep monitoring this with you probably every six months to see how it's going. If it's ever sort of underperforming or not doing what it's supposed to, then we can always look to swap it out to something else for you as well. Okay.","start_word":4384,"end_word":4429,"intents":[{"intent":"Monitor portfolio performance","confidence_score":0.07758505},{"intent":"Monitor portfolio growth","confidence_score":0.0028962581}]},{"text":"If it's ever sort of underperforming or not doing what it's supposed to, then we can always look to swap it out to something else for you as well. Okay.","start_word":4400,"end_word":4429,"intents":[{"intent":"Assess portfolio performance","confidence_score":0.010096232},{"intent":"Assess portfolio performance","confidence_score":0.030185612},{"intent":"Assess portfolio performance","confidence_score":0.019105311}]},{"text":"We are removing the bank hybrids, and they were more of a defensive investment. We're removing them because they are being phased out down the track.","start_word":4444,"end_word":4469,"intents":[{"intent":"Remove bank hybrids","confidence_score":0.07741395}]},{"text":"change to the portfolio.","start_word":4763,"end_word":4766,"intents":[{"intent":"Discuss portfolio changes","confidence_score":0.121378265}]},{"text":"With the insurance side of things here, now this is essentially showing you we are retaining your life and income protection that you do hold within that hub twenty four platform account at the moment, and that will Yeah.","start_word":4855,"end_word":4893,"intents":[{"intent":"Capture and preserve life and income protection","confidence_score":0.000005162324}]},{"text":"And we also sort of are looking at a lower waiting period. So the other thing is with your income protection cover on your HUD 24 account, you've got a ninety day waiting period. So I've recommended a lower waiting period, which means you only have to be off work for thirty days for this newer income Okay.","start_word":4937,"end_word":4994,"intents":[{"intent":"Confirm higher waiting time","confidence_score":0.0000063764087}]},{"text":"And we also sort of are looking at a lower waiting period. So the other thing is with your income protection cover on your HUD 24 account, you've got a ninety day waiting period. So I've recommended a lower waiting period, which means you only have to be off work for thirty days for this newer income Okay. protection cover.","start_word":4937,"end_word":4996,"intents":[{"intent":"Recommend lower waiting period","confidence_score":0.093637705}]},{"text":"That essentially means you can claim earlier, which puts less stress on your family's expenditure in the event that you're unable to work.","start_word":4997,"end_word":5019,"intents":[{"intent":"Explain benefits of earlier insurance","confidence_score":0.0019027553}]},{"text":"doesn't so please don't make this sound bad to Sergio in any way, but it's more about making sure that your family can survive in the event that something No. happens.","start_word":5047,"end_word":5077,"intents":[{"intent":"Ensure family survives in case of earlier claim","confidence_score":0.000075180295},{"intent":"Ensure family survives","confidence_score":0.003499043},{"intent":"Ensure family survival","confidence_score":0.029791337},{"intent":"Ensure family survives in case of emergency","confidence_score":0.00051748176},{"intent":"Ensure families survive","confidence_score":0.00012573882}]},{"text":"They both do have a five year benefit period. You can be on the claim for up to five years. The disadvantage to a five year benefit period is that once that five years ends, the claim will stop regardless whether you can go back to work or not.","start_word":5162,"end_word":5210,"intents":[{"intent":"Provide benefits of longer wait period","confidence_score":0.00022628364},{"intent":"Confirm benefit period benefits","confidence_score":0.00043238155}]},{"text":"The advantage to that is that it makes the cost a bit lower. So you can have an age 65 benefit period as well, which means you can be on a claim up to the age of 65. However, it does make the premiums very expensive.","start_word":5211,"end_word":5256,"intents":[{"intent":"Provide cost reduction","confidence_score":0.0033485896}]},{"text":"So to try and lower the premiums as much as possible, but still make sure you have a good benefit period to cover you in the event that you're off work, that five years is kind of a happy medium for you. Okay.","start_word":5258,"end_word":5300,"intents":[{"intent":"Lower premiums","confidence_score":0.7439249}]},{"text":"So, essentially, with your current income protection monthly benefit of a $1,113.91, in order to cover you for up to 70% of your current income, we needed to then increase and provide a new benefit or a new policy to give you a monthly benefit of $4,719. Yes.","start_word":5302,"end_word":5349,"intents":[{"intent":"Provide monthly benefit","confidence_score":0.3250656},{"intent":"Explain policy calculation","confidence_score":0.0021738205}]},{"text":"when we went back to do the blind pre assessment with the underwriters and the insurers, they did note that this policy would be expensive because they're adding a 150% loading onto it.","start_word":5383,"end_word":5415,"intents":[{"intent":"Explain cost","confidence_score":0.0029001487}]},{"text":"If you look at the next page, it basically breaks down because of the health concerns that were disclosed in the pre assessment, they've added a 150% medical loading onto it, and they will only cover you for your main occupation. Because you do have that secondary job, they will exclude any claims for your secondary occupation there.","start_word":5544,"end_word":5601,"intents":[{"intent":"Clarify secondary occupation","confidence_score":0.000034488887}]},{"text":"It's not the best terms, and I'm so sorry about that. We did try to, you know, argue the point with them. Mhmm.","start_word":5602,"end_word":5624,"intents":[{"intent":"Apologize","confidence_score":0.1967528}]},{"text":"But at the end of the day, the biggest thing with the underwriters and the insurance companies are they're essentially assessing the risk of them paying a Yes. claim.","start_word":5626,"end_word":5654,"intents":[{"intent":"Assess risk","confidence_score":0.508808}]},{"text":"And when there are prior health concerns, when there is things that increase the risk, then they do add those loadings on there because there's more more more of a chance they're gonna pay out on that policy, essentially.","start_word":5654,"end_word":5692,"intents":[{"intent":"Add loads","confidence_score":0.65720135}]},{"text":"The one thing I really do wanna reiterate with you is that we will review this policy with you. If you place it in force or if you go through the application process, we will review this with you.","start_word":5881,"end_word":5919,"intents":[{"intent":"Review policy","confidence_score":0.08870004}]},{"text":"I do also have to note that because of what was disclosed, the underwriters did let us know that when you go to application, they will request, like, doctor's reports to show, you know, what the doctor's records have.","start_word":6026,"end_word":6064,"intents":[{"intent":"Requesting access to doctor's reports","confidence_score":0.000015201819}]},{"text":"I do also have to note that because of what was disclosed, the underwriters did let us know that when you go to application, they will request, like, doctor's reports to show, you know, what the doctor's records have. They will also possibly request, you know, new medical new medicals to be done in order to put the policy in force. That means that Mhmm.","start_word":6026,"end_word":6090,"intents":[{"intent":"Updating policy requirements","confidence_score":0.009474054},{"intent":"Discussing policy options","confidence_score":0.0097879125}]},{"text":"So if they decline the policy, which I think previously when Mhmm. we first signed up, they did. So I just go back to what I already have existing. Is that right? Or Mhmm.","start_word":6219,"end_word":6252,"intents":[{"intent":"Considering changes to policy","confidence_score":0.0010495463}]},{"text":"And then when you when you do look at the appendices, if you scroll into that document to the basically, the end, you'll see there is a insurance comparison showing the lower level of cover, the lower premium, and the lower projection table for you as well just so Mhmm.","start_word":6366,"end_word":6415,"intents":[{"intent":"Analyze insurance premiums","confidence_score":0.16877079}]},{"text":"So, like, you said, oh, roughly we wanna retire at 60. Does Beautiful.","start_word":6754,"end_word":6766,"intents":[{"intent":"Explore retirement plans","confidence_score":0.0009104685}]},{"text":"It saves your Mhmm. it saves you or your super $306 per year in investment fees, which is a positive. Yeah.","start_word":7861,"end_word":7881,"intents":[{"intent":"Save money","confidence_score":0.59768933}]},{"text":"The ongoing service fee does increase just slightly because we account for growth by $23 for the year, very minimal, which is good. Your contribution stay the same, and there's no change to your insurance because you were happy with them, so the premiums remain the same there as well.","start_word":7887,"end_word":7936,"intents":[{"intent":"Increase service fee","confidence_score":0.60303515}]},{"text":"The other thing I do like about this high growth portfolio for you, it has a much greater past performance. Over the past five years, it's averaged 10.83%. So if this portfolio can obtain what it has and keep in mind, you can see on the next page, over the next five to ten years, your super balance could grow pretty significantly. So in the next Can page.","start_word":7937,"end_word":8004,"intents":[{"intent":"Improve portfolio performance","confidence_score":0.023196986},{"intent":"Obtain new portfolio","confidence_score":0.000012473644},{"intent":"Check portfolio status","confidence_score":0.00066640973}]},{"text":"about looking at where we're tracking now with these recommendations. Okay. Yeah.","start_word":8121,"end_word":8132,"intents":[{"intent":"Track portfolio","confidence_score":0.010890503}]},{"text":"We're gonna knock that straight out of your portfolio and take it down to zero, so remove that completely.","start_word":8246,"end_word":8264,"intents":[{"intent":"Remove portfolio","confidence_score":0.13163224}]},{"text":"You both have this investment. It's giving you access to global cybersecurity, and it's essentially also giving you access to some tech as well.","start_word":8302,"end_word":8325,"intents":[{"intent":"Provide cybersecurity access","confidence_score":0.041359663}]},{"text":"There is still a place and some growth to obtain from that one.","start_word":8333,"end_word":8345,"intents":[{"intent":"Obtain growth","confidence_score":0.044496335}]},{"text":"We're gonna sell some of that and just rebalance your portfolio back to 25%.","start_word":8540,"end_word":8553,"intents":[{"intent":"Rebalance portfolio","confidence_score":0.14322302},{"intent":"Rebalance portfolio","confidence_score":0.07997539}]},{"text":"This investment you had about 2% off, it hasn't been performing. China really didn't do what it was supposed to, and there's still quite some high tensions there as well. So we are just gonna remove that from the portfolio because there is a risk of it underperforming better than what it already has. Okay.","start_word":8608,"end_word":8662,"intents":[{"intent":"Evaluate investment benefits","confidence_score":0.0012613618}]},{"text":"As much as you're in that high growth environment, we still want to see that ninety ten split and take a bit more risk to get returns. But where we can humanly possible mitigate risk, we wanna also look at doing that. So diversification is one of the best ways to mitigate market risk and spreading that risk level across different asset classes, different countries, and also different areas of investment.","start_word":9075,"end_word":9145,"intents":[{"intent":"Analyze portfolio diversification","confidence_score":0.046668608}]},{"text":"Do you have any questions about this at all?","start_word":9429,"end_word":9437,"intents":[{"intent":"Questions about portfolio","confidence_score":0.0003482913},{"intent":"Asks questions about portfolio","confidence_score":0.00060200755}]},{"text":"Just keeping as is, you may mention that you were comfortable with the level of cover you have between your life, your TPD, and your income protection level is as per your current income. So it does work and is at the right level there. So we're recommending to retain that exactly as it is, and we'll just make sure that moving forward, we do, you know, reevaluate those levels of cover with you and make alterations as they needed.","start_word":9472,"end_word":9551,"intents":[{"intent":"Recommends keeping level of cover","confidence_score":0.00011946631}]},{"text":"Down on page number 48, I also have that same projected table that shows you the effect of having insurances paid out of super on your on your super balance over the next five to ten years.","start_word":9555,"end_word":9591,"intents":[{"intent":"Introduces projected portfolio","confidence_score":0.000006317342}]},{"text":"So you'll see here with this under the outcome there, you've got your current table that shows your current portfolio, your current projected outcome, current fees, and then the recommended is the recommended side of the above table again. So retaining your current insurance premium, but the new portfolio projected over the next five to ten years.","start_word":9594,"end_word":9650,"intents":[{"intent":"Explains current portfolio","confidence_score":0.016603744}]},{"text":"The last column shows the same recommended for newer portfolio projected. However, if you did not pay any insurances out of your super fund. So it's essentially showing you with the recommended over the next five to ten years, we understand that insurance premiums have an impact on your balance, and this shows you that impact over the next five to ten years based on the recommended side of the table. Okay.","start_word":9651,"end_word":9722,"intents":[{"intent":"Explains potential impact of insurance premiums","confidence_score":0.0053175394}]},{"text":"The last column shows the same recommended for newer portfolio projected. However, if you did not pay any insurances out of your super fund. So it's essentially showing you with the recommended over the next five to ten years, we understand that insurance premiums have an impact on your balance, and this shows you that impact over the next five to ten years based on the recommended side of the table. Okay. Okay.","start_word":9651,"end_word":9723,"intents":[{"intent":"Proposes applying insurance premiums","confidence_score":0.0000055493642}]},{"text":"So this is for the both of you just recommending that we realign your beneficiary nominations on your hub 20 four super and, Sergio, your ascender life insurance policy so that if in the event that one you passes away, your super benefit and your life insurance is paid to the other spouse.","start_word":9754,"end_word":9806,"intents":[{"intent":"Realign beneficiary nominations","confidence_score":0.05855768}]},{"text":"And then if you scroll down even lower, we've got the recommendation to speak to a solicitor and have a will and power of attorney drawn up.","start_word":9822,"end_word":9848,"intents":[{"intent":"Speak to a solicitor","confidence_score":0.68531543},{"intent":"Provide will and power of attorney","confidence_score":0.028671516}]},{"text":"So it's Alright.","start_word":9915,"end_word":9917,"intents":[{"intent":"Recommend making sure will and percentage are paid","confidence_score":0.0000059730346}]},{"text":"So, essentially, you'll see for beneficiaries cover if one of you was passed away, and then the contingency is placed in a will and having that done through a qualified solicitor can help you to make sure that those are up to date, correct, Mhmm.","start_word":9919,"end_word":9963,"intents":[{"intent":"Make sure beneficiaries are up to date","confidence_score":0.005528583}]},{"text":"Angela, if I can get you to scroll down to page number 59 for me, the last little things I need to show you are just the remuneration side of things.","start_word":10012,"end_word":10042,"intents":[{"intent":"Show remuneration side of things","confidence_score":0.0044376757}]},{"text":"So this is the remuneration side of things. Now there is no upfront cost for the advice. It's all part of you being an ongoing client, and we don't charge anything new for the advice pieces with relation to super or insurances.","start_word":10082,"end_word":10123,"intents":[{"intent":"Charge for advice","confidence_score":0.008912972}]},{"text":"The recommendation for the Clearview policy isn't for me, it's not about the remuneration side of things.","start_word":10299,"end_word":10315,"intents":[{"intent":"Recommend policies and timeline","confidence_score":0.000012587475}]},{"text":"I'll show you how the advice works and how we meet your goals to to kinda get you to that point. Okay? Okay.","start_word":10486,"end_word":10508,"intents":[{"intent":"Guide advisers on investment application","confidence_score":6.692214e-8}]},{"text":"And then the last step is just making sure you speak to us, Lisa. We can refer you to one, or if there's one that Fifth local Guarco that Place. you're comfortable talking to, then you can always make sure you text them. But just doing a pure will and power of attorney is the last step of the advice document. Okay.","start_word":10862,"end_word":10923,"intents":[{"intent":"Schedule meeting","confidence_score":0.0079513015}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Angela. It's Dana from Okie Financial. How are you?","start_word":0,"end_word":10,"sentiment":"neutral","sentiment_score":0.15082566440105438},{"text":"Oh, good. Thanks. How are you? I'm very well. Thank you.","start_word":11,"end_word":21,"sentiment":"positive","sentiment_score":0.5443040728569031},{"text":"I had yourself in 3rd PA booked in to go through your updated advice document. Is now still a good time for you? Yeah. This is fine.","start_word":22,"end_word":48,"sentiment":"neutral","sentiment_score":0.2877943515777588},{"text":"Sounds fine. Fantastic.","start_word":49,"end_word":51,"sentiment":"positive","sentiment_score":0.5065258145332336},{"text":"Is Sergio there with you as well? Oh, yeah. He's just in the kitchen. That's okay. No worries. What I'll do is I'm gonna send this document through to you. Is one of your or both will be able to pop into your email there just to pull it up? We can look at it together. That's all. Yep. I can do it now. There you see. How's your day been? Oh, it's been busy, but it's really good because it's, you know, end of the week. Towards the end of the week. So it's always good to thing. You know, you Absolutely. know, the cost of it. Okay. I've got it opened to Perfect. let me see. Oh, hang on. Do I It just click sign doc and then it'll yep. open? Oh, That's okay. correct. Yeah. Perfect. Now just before I jump into the call, I do have to let you know we do record our calls for quality and training purposes. Are you happy for us to proceed with that? Yes. Excellent. And I'll just do a quick security check there with you as well before I discuss your personal information. Just to confirm, your full name, your date of birth, and address I should have on file? Yeah. Full name, Angela Flores. Date of birth, '17 Mhmm. 11/1984. Address is Unit 9 Stroke 49 Cambra Street, Oxley Park 2760, New South Wales.","start_word":52,"end_word":287,"sentiment":"neutral","sentiment_score":0.12372272461652756},{"text":"Beautiful. Thank you so much for that. Excellent.","start_word":288,"end_word":295,"sentiment":"positive","sentiment_score":0.5545079112052917},{"text":"So when Do you you need can to see confirm the first Sergio too? I just need to say that he's there. And if you can give me here, say, the best and full name, that would be perfect. Yep. 08/01/1980 Yep. 4. Yep. Address being assigned Unit 9. Day. Oh, Sergio. Yeah. Oh, The unit but thank you nine so much, Sergio. stop. Yep. That that's it? Yeah. That's fine.","start_word":296,"end_word":366,"sentiment":"neutral","sentiment_score":0.12251164564784144},{"text":"You're good. Thank you so much.","start_word":367,"end_word":372,"sentiment":"positive","sentiment_score":0.5161169171333313},{"text":"But how's your weight being Sergio? Not bad. Took the day off today.","start_word":373,"end_word":385,"sentiment":"neutral","sentiment_score":0.11389031261205672},{"text":"Beautiful. And it's very beautiful Fantastic.","start_word":386,"end_word":391,"sentiment":"positive","sentiment_score":0.5869660973548889},{"text":"weather. So, you know, the the poor ones who actually have to go to work, very jealous. Yes. That's it. It's been horrible weather up here today. We've had Oh, really? overcast and windy. Shocking. Oh, it's the the sun is shining. It is there's a little bit of a break like, a little bit of wind, a gust, but Yeah. well, it's very nice in in the sun. Yeah. Wow. Oh, lovely. Well, let's come through this for you.","start_word":392,"end_word":471,"sentiment":"neutral","sentiment_score":-0.01071244291961193},{"text":"I appreciate you giving me the time to put this together for you.","start_word":472,"end_word":484,"sentiment":"positive","sentiment_score":0.42115357518196106},{"text":"Essentially, we were looking at your super and how to kind of boost things for you both a little bit there. We had noticed Yep. in our last call there was some underperforming investments, so we wanted to update your portfolio looking forward. And, Angela, you also wanted me to have a look at income protection to see if we could get you some more income protections to cover you in the event of not being able to go to work in the short term as well. Yes. Okay? Excellent. On the front page, sir, you'll see this document is an overview financial statement of advice prepared for yourself, Angela and Sergio, as Yes. of the 09/10/2026. All Mhmm. our advice is valid for sixty days from the date of the document there. So once we've gone through things, I will let you go back and you can have some time to read it over, talk it between yourselves. And then if you are happy to take on the advice, we'll get you to sign and return that back there for us. Okay? Thank you. Excellent. On the bottom of the front page, it has my authorized representative number. So I'm a licensed adviser registered with Aptive, and my registration number is 1304394. Okay. Okay. I am gonna skip through just a few pages as we are going through just to sort of focus on the areas that I need to touch on because I do let you go back and have some time to read it over as well. And in the meantime, if you finally have questions, please just let me know, interrupt me and shout them out. Okay?","start_word":485,"end_word":765,"sentiment":"neutral","sentiment_score":0.10452510252117686},{"text":"Excellent.","start_word":766,"end_word":766,"sentiment":"positive","sentiment_score":0.6547437906265259},{"text":"As we are going to the next page, it notes the best interest to you. Just making sure any advice we do provide is there to make and assist you in meeting your goals and provided Okay. in best interest. We've Mhmm. also then got the table of contents so you can just scroll past that one. And then page number three, you should see if you're facing of the advice. So we're looking here at your superannuation. Essentially, Mhmm. we're looking at basically being able to retire at around about the age of 60 there with a target retirement of about a thousand dollars per week each from your supers. And you also Mhmm. wanted us to look at reviewing and updating your superannuation investment, and switching out any underperforming investments to update the portfolios on market Mhmm. conditions. Does that Yes. sound appropriate for you both? Is there anything you would change there at all? No. No. That's appropriate. Yes.","start_word":767,"end_word":928,"sentiment":"neutral","sentiment_score":0.08439888060092926},{"text":"Excellent.","start_word":929,"end_word":929,"sentiment":"positive","sentiment_score":0.40060025453567505},{"text":"Then the next page, we have your insurances. So you both do have some insurances. You've self answered. You've got life and income protection currently. But, yeah, you have life and income protection there. So, essentially, we were keeping both of your life covers in force. You're both comfortable with the level of life cover you had.","start_word":930,"end_word":986,"sentiment":"neutral","sentiment_score":0.13673506677150726},{"text":"Sergio was happy Mhmm. with his life and income protection benefit. It felt appropriate at the time.","start_word":987,"end_word":1003,"sentiment":"positive","sentiment_score":0.44811880588531494},{"text":"And, Angela, your income protection benefit was very minimal, so we were looking at trying to increase that benefit a bit to provide a higher level of cover in the event that you were off work due to illness or injury. Okay. Yes. Yes. We do.","start_word":1004,"end_word":1049,"sentiment":"neutral","sentiment_score":0.1174626275897026},{"text":"Excellent.","start_word":1050,"end_word":1050,"sentiment":"positive","sentiment_score":0.5857142210006714},{"text":"We've also got on the next page the estate planning. So one of the things we talked about was your beneficiaries. Essentially, you both had the children noted at 50% each. But with the beneficiaries, it's essentially put onto your super to provide a benefit in the event that one of you was to pass away. So we talked about having that benefit Yes. updated so that in the event of passing, you went to each other, and then just making sure you do have a will set up with a solicitor and a power of attorney to make sure that in the event that something happened to the two of you, that you could then have those funds directed through your estate to each of your children. Does that still sound fairly appropriate? Yes. Yes. Yes. Yep.","start_word":1051,"end_word":1188,"sentiment":"neutral","sentiment_score":0.204615681067757},{"text":"It does. Excellent.","start_word":1189,"end_word":1191,"sentiment":"positive","sentiment_score":0.4853793680667877},{"text":"On the next page, we have where we're not looking at advice today, so things that we're not considering. You're still both very young. You do have that retirement goal, so I'm not projecting all the way to retirement essentially because you still have a lot of time ahead of you. I know it doesn't feel like it. I'm the same age as you. It feels like life Mhmm. is disappearing, and this year is falling by that, Michelle. It does. But you still do have a lot of time when it comes to your safety there to build on things and work towards your retirement goals. So I just project over the next five to ten years to look at where we're tracking, and then we continuously update the advice as appropriate towards your retirement goals there. When you do get within that ten years, then we'll have a look at what that retirement Yep. income looks like for you both. Okay.","start_word":1192,"end_word":1354,"sentiment":"neutral","sentiment_score":-0.026258699595928192},{"text":"Fantastic.","start_word":1355,"end_word":1355,"sentiment":"positive","sentiment_score":0.42540299892425537},{"text":"The next page outlines the other areas that we're scoping out for personal insurances. So, Angela, you didn't wanna look at CBD, so permanent incapacity at all, and neither of you wanted to look at having trauma or child trauma cover for the insurances. Okay. No. Excellent. And then the last one is the debt. So you're both wanting to look at, obviously, personal investments and debts as well. We're scoping out both of those in the next few pays there. I remember saying the more the referrals to some mortgage broker. How did you both go with them? Have you had a bit of a chat with a mortgage broker? Mhmm. Well, we had a chat. We sent well, I sent my payslip, but they haven't gotten back to us yet. So I'm not Okay. a 100% sure there. But, I mean, after we had a chat and stuff like that, like, we had a chat with the mortgage broker, then, you know, both Sergio and I have sat down and, you know, reconsidered a little bit, you know, about investments Yes. and stuff at least early on and stuff like that, whether we would think about Yes. maybe possibly, you know, when my daughter finishes or something like that. But, yeah, we've already considered a lot of options. So what we originally wanted and and I think we mentioned it to you too that we wanted to tap Yeah. into this feedback because that is like, they put an end to that. So I think that Yeah. kind of has put a little bit of a not so much data, but it's like, oh, okay. Now we have to reassess with a, you know, another option or another avenue or yeah. But Yeah. that's Absolutely. That's okay. okay. That's absolutely fine. And look if there's other ways of personally investing personally, you can also look at building investment portfolios, utilizing investment bonds, also portfolios with shares and ETFs and hedge funds like your suit is invested in. So we can Yes. always look at those things down the track there for you, look at what your goals are, what you're after, and build investment portfolios that help you to meet those goals and help you to supplement income in retirement down the track if that's what you're after as well. So we'll scope out the debt and the personal investing for now, and we'll come back and read this as you both are comfortable to do so. Okay. Mhmm.","start_word":1356,"end_word":1776,"sentiment":"neutral","sentiment_score":0.04995110753985595},{"text":"Excellent. Beautiful.","start_word":1777,"end_word":1778,"sentiment":"positive","sentiment_score":0.6046670079231262},{"text":"Now with next page has a limited advice warning. It's just letting you know that we're not solicitors, so we don't draft up will. We do refer you to a qualified lawyer to do that. We Mhmm. provide advice around general insurance I'm sorry. Around personal insurance products, not general insurance. The general insurance is looking at house, motor and liability, business insurance. We can always refer you through to a general broker if you need the services of one. But other devices, we're licensed to provide advice around personal insurance products. So things like life, PPD, income protection, trauma, and a few other additional there as well. Okay. Okay.","start_word":1779,"end_word":1888,"sentiment":"neutral","sentiment_score":0.012187901376323269},{"text":"Excellent.","start_word":1889,"end_word":1889,"sentiment":"positive","sentiment_score":0.5453522205352783},{"text":"The next couple of pages have the about you section noted and then your assets and liabilities as we went through in the last call there as well. What I'd really like to do for you both is if I could get you to scroll down for me. We're just gonna skip a few pages here. Sorry. If you can go to page number 20 for me, I'll start to take you to those recommendations just by then. Mhmm. Mhmm. Okay. It's right there. 17. Yep. I'm on 20 now.","start_word":1890,"end_word":1979,"sentiment":"neutral","sentiment_score":0.07198067754507065},{"text":"Beautiful.","start_word":1980,"end_word":1980,"sentiment":"positive","sentiment_score":0.4925625026226044},{"text":"So, Angela, this one for yourself. We started by having a bit of a look at your super as well as the investment. So one of the things that I do like to do is do a full research on the platform as well as the investments contained in it because your super is about the entire thing. This Mhmm. platform is essentially the vehicle for holding the funds, whereas the investments are what makes the money grow and build and work towards your retirement goals. I am Mhmm. recommending that we do retain '20 four.","start_word":1981,"end_word":2076,"sentiment":"neutral","sentiment_score":0.14561133086681366},{"text":"The platform itself is actually really good. It's there's nothing wrong with it. It does hold a really good range of investments that we can sort of switch between.","start_word":2077,"end_word":2105,"sentiment":"positive","sentiment_score":0.4577310085296631},{"text":"So I did Mhmm. review the platform as well as the investment, and I'm recommending you stay within hub twenty four. I am definitely recommending we switch those investments up, and I'll show you that in a second what that looks like, Mhmm. and then continuing to get your employer contributions paid into the fund there as well for you. Okay. Okay? Excellent. If I can get you to move down a few more pages to page number 24 for me, I'll show you a little bit more around this recommendation, and then I'll take you through what the switch will look like with regard to the investment. Yep. Yep. Beautiful. I'm at So 20 one of four. the things I consider you're sorry. Did you need a second more? Sorry. Oh, no. No. No. I'm at page 20 No. You're fine. You're four.","start_word":2106,"end_word":2249,"sentiment":"neutral","sentiment_score":0.16149361821589991},{"text":"good.","start_word":2250,"end_word":2250,"sentiment":"positive","sentiment_score":0.4648994207382202},{"text":"Essentially, with this one here, it's showing you the recommended and the comparison table there. So you've got your current situation balance of 186,433 with the admin fees, investment fees, the ongoing service fee we charge, and your contributions going in with your current insurance premiums noted there as well. Within your portfolio, you're a growth investor. We talked about how that's got that eighty twenty split of in of growth and defensive investments, and when we kind of assess that you are happy to stay in that growth portfolio. The current portfolio you're in with the current investments, when we look at how that's averaged over the past five years, it's roughly about 8.34 Mhmm. percent, which isn't bad in any way, shape, or form, but we want that to work harder and build and work harder for you. So what I am recommending is we do retain Hunt 24 as a platform. Mhmm. Okay. We will switch the investments out. One of the things I do look at is the capital gains consequences. So your super fund, just like you, does a tax return every year. Within super, your super fund pays income tax as well as capital gains tax as well. So you'll see in the differences column there's a a dollar of $421. In order to make the changes within the platform and switch your investments, we've worked out that the CDK cost your super will account for is $421 in order to switch the investment. Does that make sense? Yes. Yep.","start_word":2251,"end_word":2506,"sentiment":"neutral","sentiment_score":0.08539483696222305},{"text":"Beautiful.","start_word":2507,"end_word":2507,"sentiment":"positive","sentiment_score":0.3949620723724365},{"text":"The other thing I did was have a look at the investment fees. We wanted to make sure you have the investments that were working harder for you, but I wanted to try and find a cheaper a cheaper investment portfolio because one of the ways we can sort of build and boost that super is to reduce the fees that are coming out of it. At Okay. the moment, your investment fees are about $776. With that newer portfolio, they dropped to 529. So it's Oh, essentially saving that's you over $200 yeah.","start_word":2508,"end_word":2601,"sentiment":"neutral","sentiment_score":0.10140207409858704},{"text":"in investment fees for the year, which is good. Yeah. Excellent.","start_word":2602,"end_word":2612,"sentiment":"positive","sentiment_score":0.4070780873298645},{"text":"And underneath that, there's no real change to the ongoing service fee. That is still staying roughly the same. It's gonna change by about $19. It'll actually go down by $19 and save you at 19 Oh, okay. dollars per year, which isn't bad. Yep. And Mhmm. then you've got your employer contribution still going in. The other thing I will go through with you in a minute is the insurance premium. Now this was higher. It is a bit more about $5,000 higher, and that is because of the cost of the income protection that I'm able to recommend for you. I have a a another option. It was an alternative that I've considered in the appendices, but I'll take you through what this looks like first. But just so you Okay. can see, the expected increase for increase in your income protection policy there as well. Okay? The other thing we wanna look at is how the newer portfolio has sort of grown and worked over the past couple of years.","start_word":2613,"end_word":2785,"sentiment":"neutral","sentiment_score":0.0829610750079155},{"text":"So this newer portfolio is not only cheaper, but it's also shown a greater past performance. So over the past five years, it's at least about 10.18, which is great. We wanna get as much growth as possible out of the portfolio.","start_word":2786,"end_word":2827,"sentiment":"positive","sentiment_score":0.5253484845161438},{"text":"And if you scroll down to the next page, you'll see the projection table. Now I project over the next five to ten years. So this is sort of showing you your current if you stay where you are with the same insurances in the same portfolio over the next five to ten years, you could essentially end up with about 275,000 or over 380,000 within sleep in the next ten years, which is great. Okay. However, Yeah.","start_word":2828,"end_word":2905,"sentiment":"neutral","sentiment_score":0.26354917883872986},{"text":"with the new recommended portfolio, by saving fees and having a greater past performance and even including increasing the cost of increasing your income protection, in the next five to ten years, you can actually end up a little bit further in front, which is a positive and a bonus for yourself. You could end up with about $800 difference, but it means that this newer portfolio with the reduction of fees has been keeping up with inflation.","start_word":2906,"end_word":2983,"sentiment":"positive","sentiment_score":0.4401833117008209},{"text":"It Mhmm. has also it does also keep up with the fact that you've got a higher insurance cost noted above there as well. Okay.","start_word":2984,"end_word":3008,"sentiment":"neutral","sentiment_score":0.21767647564411163},{"text":"Beautiful. That can be a lot.","start_word":3009,"end_word":3014,"sentiment":"positive","sentiment_score":0.5342901945114136},{"text":"Do you have any questions in relation to any of that there at Okay. all? No. Not just yet. Like yeah. It it is a lot to process, but then, yeah, when later when I look through the water a bit more, and if any Absolutely. questions arise, happy to, Yeah. yeah, probably make contact. You know? Absolutely. It is a lot to process.","start_word":3015,"end_word":3078,"sentiment":"neutral","sentiment_score":0.04903360828757286},{"text":"I absolutely get it. It's not a problem. It's always good that you're looking at it with me because Yes.","start_word":3079,"end_word":3098,"sentiment":"positive","sentiment_score":0.4639054536819458},{"text":"it is a lot of numbers to go through, and it can take a minute to process it all.","start_word":3099,"end_word":3117,"sentiment":"neutral","sentiment_score":0.28486981987953186},{"text":"So absolutely. All good.","start_word":3118,"end_word":3121,"sentiment":"positive","sentiment_score":0.4741736352443695},{"text":"If you scroll down to the next page for me, I'll show you what the changes will look like within your super fund for you to be able to obtain that newer portfolio. Okay.","start_word":3122,"end_word":3155,"sentiment":"neutral","sentiment_score":0.11332757771015169},{"text":"Beautiful.","start_word":3156,"end_word":3156,"sentiment":"positive","sentiment_score":0.33567124605178833},{"text":"So to make this a bit easier, because there is a lot going on here in that table, Mhmm. the first column outlines will be individual investments that both you currently have and that we're gonna add into the portfolio. What we're Yes. sort of looking at here to make it easy is that lovely buy sell column with the red and the green. That Yes. shows you the investments that will be sold down whether full or partial and what we're gonna purchase in the portfolio for you as well. So to Right. give you a fairly easy rundown, with the battery and lithium tech, we are removing that completely from the portfolio. It has performed really nicely, but we found a much cheaper way to hold that investment for you. Okay. You've also got the Benelmong Australian Equities. That investment is the one that's been underperforming. We talked about getting rid of that and removing it out of the portfolio and replacing Mhmm. that with something else. So that'll be fully sold down for you. We've also got the a BetaShares Bank hybrid. Now these are actually being phased out by the government in the next couple of years. So whilst we are making changes, we may as well remove that from your portfolio and replace it with something else so that things can work a bit harder for you down the track. Okay. You've also got some physical gold. You're sitting at about 7.8% at the moment.","start_word":3157,"end_word":3406,"sentiment":"neutral","sentiment_score":0.06133701661229134},{"text":"We wanna hold about 8%, so we're gonna buy a little more of that physical gold for you, which has been performing well, and over the longer term, is a really great asset to hold in your state of funds.","start_word":3407,"end_word":3446,"sentiment":"positive","sentiment_score":0.47294676303863525},{"text":"Mhmm. We've also got cybersecurity. This is giving you access to global cybersecurity. Yep.","start_word":3447,"end_word":3460,"sentiment":"neutral","sentiment_score":0.19068291783332825},{"text":"Again, it's good for diversification.","start_word":3461,"end_word":3465,"sentiment":"positive","sentiment_score":0.4564149975776672},{"text":"You're a bit overweight at the moment. You've got 8% in your portfolio. You only wanna hold about 5%, and cybersecurity has seen some really great growth there. Yeah. So we're Oh, just gonna okay. reweight and rebalance your portfolio back. We sell about 3% of that, and we distribute that across the rest of the portfolio, and it just rebalances you back Okay. to 5%. Okay.","start_word":3466,"end_word":3532,"sentiment":"neutral","sentiment_score":0.13096541166305542},{"text":"Excellent. We've also got the IHS called composite bond in here. This is giving you access and exposure to both government and corporate bonds as well as other defensive assets like bank notes, the cost, and it gives you some international exposure as well, which is great.","start_word":3533,"end_word":3579,"sentiment":"positive","sentiment_score":0.3993214964866638},{"text":"You're a little bit underweighted in your portfolio. So you've only got 8.63%. We wanna hold 9% of this investment here, so we're gonna buy a little bit more to bring you back up in that waiting. Right. Right.","start_word":3580,"end_word":3618,"sentiment":"neutral","sentiment_score":0.08519648760557175},{"text":"Thank you.","start_word":3619,"end_word":3620,"sentiment":"positive","sentiment_score":0.355379194021225},{"text":"We've also got the s and p 500. This is giving you access and exposure to the top 500 companies on The US market there. You've got 28.19%. You're a bit overexposed currently. We're gonna sell a little bit of that off and just bring you back to 20% in your portfolio. Okay. The other thing we've got here is property, Australian property.","start_word":3621,"end_word":3683,"sentiment":"neutral","sentiment_score":0.02961134910583496},{"text":"Property has taken a bit of a hit since the changes came into play with the negative gearing and the capital gains consequences.","start_word":3684,"end_word":3706,"sentiment":"negative","sentiment_score":-0.3511625826358795},{"text":"It's underperforming a little bit, so we're gonna remove that out of your portfolio currently. There might be a place to put it back into the future, but right now, it's underperforming. So we'll start to we'll just remove that for the time being and replace it with something else that's performing a little bit better for you.","start_word":3707,"end_word":3764,"sentiment":"neutral","sentiment_score":-0.14799056648565778},{"text":"Yeah. Excellent. You've also got the beta shares Rafi 200. This is giving you some exposure into the Australian stock market.","start_word":3765,"end_word":3785,"sentiment":"positive","sentiment_score":0.37812572717666626},{"text":"You've got about 16.57% there at the moment. We wanna hold 15% of your portfolio, so we're just gonna sell a little bit of that off for you. Mhmm. When you look at the last couple, this is just adding some extra exposure into your portfolio to kind of build on what you've currently already got and what we are keeping. So we're gonna give you exposure into the India quality ETF. This is giving you exposure into India.","start_word":3786,"end_word":3864,"sentiment":"neutral","sentiment_score":0.1714068204164505},{"text":"Has seen some good growth there.","start_word":3865,"end_word":3870,"sentiment":"positive","sentiment_score":0.33347994089126587},{"text":"There is still growth to be had, and we wanna hold 5% of that investment currently. Alright. Underneath that, you've, yeah, underneath that, you've got the the health care. This is giving you exposure to global health care. So, again, diversification, and we wanna hold 4% of that investment.","start_word":3871,"end_word":3919,"sentiment":"neutral","sentiment_score":0.12499673664569856},{"text":"Health care still sees really great growth.","start_word":3920,"end_word":3926,"sentiment":"positive","sentiment_score":0.49548420310020447},{"text":"This is not only just giving you the real health care, but it's also the tech side of health care as well. They're giving you some tech exposure. And there are some really big changes coming in the health care space when we look at the tech side of things as well.","start_word":3927,"end_word":3978,"sentiment":"neutral","sentiment_score":0.225030854344368},{"text":"So it's a really great place to be invested. It's only gonna be about 4% of your portfolio, so it's only a very small percentage there for you.","start_word":3979,"end_word":4006,"sentiment":"positive","sentiment_score":0.44467031955718994},{"text":"Okay. Yeah. We've also got the BetaShares a 200. This is giving you a bit more exposure into the Australian market. It's helping to because we're getting rid of Benelongs. This is giving you exposure into the Australian two top 200 companies. This, along with the rapid, is giving you greater diversification, and one of the biggest things we look at with risk mitigation. We all wanna see good returns and take a little bit of risk, but we wanna try and mitigate as much market risk as we possibly humanly can. And one of the ways we look to do that is to diversify your portfolio, spreading your risk across different asset classes, across different countries, and across your your different sectors as well.","start_word":4007,"end_word":4131,"sentiment":"neutral","sentiment_score":0.26289290928840636},{"text":"And so doing that helps to spread the risk level quite significantly.","start_word":4132,"end_word":4143,"sentiment":"positive","sentiment_score":0.4032586216926574},{"text":"The idea is where you wanna be invested in enough countries and asset classes where if one is down, another is up to mitigate that. So we know markets will go up and down, but we wanna see some of the portfolio working well when others might not be working as well and vice versa.","start_word":4144,"end_word":4198,"sentiment":"neutral","sentiment_score":0.2569022476673126},{"text":"And that's how we take advantage of the market ups and downs, essentially. So this is giving you greater diversification and making sure you've got access into the Australian market there as well.","start_word":4199,"end_word":4231,"sentiment":"positive","sentiment_score":0.48416727781295776},{"text":"I'm so sorry about that. One second. The other thing we talked about was having a bit of active management in your portfolio for you. You both were happy to see a little bit of active management because you are still younger having a bit more K. risk side of things, and that's when this investment comes into the JPMorgan Global Research Enhancement Equity Fund.","start_word":4232,"end_word":4296,"sentiment":"neutral","sentiment_score":0.18074972927570343},{"text":"This is actually giving you a very low cost managed fund.","start_word":4297,"end_word":4307,"sentiment":"positive","sentiment_score":0.35389357805252075},{"text":"It's giving you global exposure so across the globe, but it's utilizing Mhmm. JPMorgan's research team to pick and choose certain investments where there might be additional growth. It's only a small portion of active management, so it's mostly a passively managed fund, but it is keeping some active management in your portfolio for you and adding a little bit of that active risk in there, which is kind of what you just wanted to see. We'll just keep monitoring this with you probably every six months to see how it's going. If it's ever sort of underperforming or not doing what it's supposed to, then we can always look to swap it out to something else for you as well. Okay. Mhmm.","start_word":4308,"end_word":4430,"sentiment":"neutral","sentiment_score":0.16244739294052124},{"text":"Excellent.","start_word":4431,"end_word":4431,"sentiment":"positive","sentiment_score":0.4427345395088196},{"text":"And then the other side of that is having more defensive investments. We are removing the bank hybrids, and they were more of a defensive investment. We're removing them because they are being phased out down the track. So in your growth area, you wanna see about roughly 20% invested in defensive assets, so things like cash, bonds, and fixed interest. The iShares, Yield Plus, and your core composite bonds, they essentially are your defensive investments. You hold 18% between the 9% of each.","start_word":4432,"end_word":4515,"sentiment":"neutral","sentiment_score":0.11206003198666233},{"text":"The iShares Yield Plus is giving you exposure to essentially defensive investments that are high income producing, and that's really good. We want income to be produced out of your portfolio. That income is paid into your cash account, and that's reinvested back into your portfolio for compounding. And bonds are also really good for that as well. They pay income on a regular basis into your cash account, and that gets redistributed across your portfolio. So we want a mixture of growth, so changes in investment prices, as well as income from your portfolio there as well. And having those defensive assets is also good for long term risk mitigation where equities might not be performing very well so that in those of the times, defensive assets hold and perform very strongly for you as well.","start_word":4516,"end_word":4652,"sentiment":"positive","sentiment_score":0.42414265871047974},{"text":"Does that make sense? Do you have any questions in relation to any of that? No.","start_word":4653,"end_word":4668,"sentiment":"neutral","sentiment_score":0.07476721704006195},{"text":"But that was fantastic that you just went through that because it made sense.","start_word":4669,"end_word":4682,"sentiment":"positive","sentiment_score":0.5160895586013794},{"text":"Like, if I was to open that that Yeah. grid, I'd be like, no. It makes absolute sense.","start_word":4683,"end_word":4700,"sentiment":"neutral","sentiment_score":0.2263802140951157},{"text":"Thank you.","start_word":4701,"end_word":4702,"sentiment":"positive","sentiment_score":0.39989131689071655},{"text":"Yeah. Oh, thank you. No. That's okay. I try to make it as easy as possible for understanding because not everyone is that, you know, open to wanting to hear. But then if there Yeah. is anything further you wanna know, I'm happy to delve deeper into it for you as well.","start_word":4703,"end_word":4754,"sentiment":"neutral","sentiment_score":0.14621761441230774},{"text":"But, yeah, it's a really Thank good you.","start_word":4755,"end_word":4762,"sentiment":"positive","sentiment_score":0.38067418336868286},{"text":"change to the portfolio.","start_word":4763,"end_word":4766,"sentiment":"neutral","sentiment_score":0.20925883948802948},{"text":"I like the way Yep. it looks. It incorporates a lower cost portfolio with some active management, and it's also saving on fees, which is great.","start_word":4767,"end_word":4792,"sentiment":"positive","sentiment_score":0.6137848496437073},{"text":"And Mhmm. there's Yeah. only a very small CGT cost in order to switch the investments around for you, which Yep. works. Yeah.","start_word":4793,"end_word":4815,"sentiment":"neutral","sentiment_score":0.2425790578126907},{"text":"Thank you. Beautiful. So that is essentially your super part.","start_word":4816,"end_word":4825,"sentiment":"positive","sentiment_score":0.5439037084579468},{"text":"Now I'll take you through the insurance side of things. This is the one thing that I really wanted to sort of talk to you about. Mhmm. Yep. With the insurance side of things here, now this is essentially showing you we are retaining your life and income protection that you do hold within that hub twenty four platform account at the moment, and that will Yeah. give you a base level of cover. The other thing we sort of talked about was being able to top up your income protection so that if you are off work for any particular reason, that you would have that extra level of cover. And we also sort of are looking at a lower waiting period. So the other thing is with your income protection cover on your HUD 24 account, you've got a ninety day waiting period. So I've recommended a lower waiting period, which means you only have to be off work for thirty days for this newer income Okay. protection cover. That essentially means you can claim earlier, which puts less stress on your family's expenditure in the event that you're unable to work. One of the things that I looked at for this is that your income is technically higher than Sergio's, so you're more of the breadwinner. It Yes. doesn't so please don't make this sound bad to Sergio in any way, but it's more about making sure that your family can survive in the event that something No. happens. Yes. You've got mortgages and bills and all the things and food, and nothing stops coming in. So having a Yes. thirty day waiting period on this on this ClearView policy means that there's a portion of your income protection you can claim earlier to give you a bit of a buffer while you're sitting at a ninety day waiting period to claim on the rest of the income protection within that group cover policy. Does that make sense? Yep. Makes sense. Yep.","start_word":4826,"end_word":5160,"sentiment":"neutral","sentiment_score":0.1716042981218936},{"text":"Beautiful.","start_word":5161,"end_word":5161,"sentiment":"positive","sentiment_score":0.46735045313835144},{"text":"They both do have a five year benefit period. You can be on the claim for up to five years. The disadvantage to a five year benefit period is that once that five years ends, the claim will stop regardless whether you can go back to work or not. The advantage to that is that it makes the cost a bit lower. So you can have an age 65 benefit period as well, which means you can be on a claim up to the age of 65.","start_word":5162,"end_word":5248,"sentiment":"neutral","sentiment_score":0.04794716089963913},{"text":"However, it does make the premiums very expensive.","start_word":5249,"end_word":5256,"sentiment":"negative","sentiment_score":-0.3662652671337128},{"text":"So to try and lower the premiums as much as possible, but still make sure you have a good benefit period to cover you in the event that you're off work, that five years is kind of a happy medium for you. Okay. Mhmm. Excellent. So, essentially, with your current income protection monthly benefit of a $1,113.91, in order to cover you for up to 70% of your current income, we needed to then increase and provide a new benefit or a new policy to give you a monthly benefit of $4,719. Yes. That equals that 70% when you add the two together.","start_word":5257,"end_word":5359,"sentiment":"positive","sentiment_score":0.4011028110980987},{"text":"Yeah. The disadvantage is when we kinda went through the pre assessment there, we did note there was some health consent. So Mhmm. when we went back to do the blind pre assessment with the underwriters and the insurers, they did note that this policy would be expensive because they're adding a 150% loading onto it. So it essentially means the expectation for the premium for this policy would be $5,923.26. Because it is paid out of the Superfund, you get a 15% discount there. So it means that the amount you would pay for this policy out of super is $5,034.70. That added to the already amount you're paid out of you're paying out of the super fund. It means that we Mhmm. can expect the total premium sorry. I'm just running back double checking. It's $5,416. That is for your current life and income protection policy as well as that new clear view policy total for the year. Okay? Mhmm. So that's for a whole year, So is that? that's the whole year. Yeah. Yeah. Definitely. Okay. Yeah. It is a lot. If you look at the next page, it basically breaks down because of the health concerns that were disclosed in the pre assessment, they've added a 150% medical loading onto it, and they will only cover you for your main occupation. Because you do have that secondary job, they will exclude any claims for your secondary occupation there.","start_word":5360,"end_word":5601,"sentiment":"neutral","sentiment_score":-0.03595684841275215},{"text":"It's not the best terms, and I'm so sorry about that.","start_word":5602,"end_word":5612,"sentiment":"negative","sentiment_score":-0.4434627294540405},{"text":"We did try to, you know, argue the point with them. Mhmm. But at the end of the day, the biggest thing with the underwriters and the insurance companies are they're essentially assessing the risk of them paying a Yes. claim. And when there are prior health concerns, when there is things that increase the risk, then they do add those loadings on there because there's more more more of a chance they're gonna pay out on that policy, essentially. As a difference, in the appendices, which you'll also have attached there, it is the next document Mhmm. down, and you'll be able to take some time to read it through as well. But in the appendices, I did actually have a look at if you were to only increase or add the Clearview income protection policy to cover 50% of your income. So it essentially means that instead of applying for 4,717 as a monthly benefit, you'd be applying for a lesser amount. It'd be $3,052. It essentially that plus your current 1,113 would cover 50% of your monthly 50% of your income if you are off work. It does reduce the total insurance premium. So instead of paying that 5,400, the expected premium out of super would be 3,637 even with those additional loadings added. Mhmm. It does essentially mean that you get more growth out of your super, but it's also what's important to you. So the benefit of having this policy, as much as it is expensive, it does mean if something happens, if you're off work, you're able to claim on that policy. The one thing I really do wanna reiterate with you is that we will review this policy with you. If you place it in force or if you go through the application process, we will review this with you. So if your income decreases, these policies do also increase over time. We will look to decrease it back to make sure you're staying at 70%, not overpaying the premium. We can also, down the track, include additional contributions to mitigate and offset the effect of those premiums as well.","start_word":5613,"end_word":5969,"sentiment":"neutral","sentiment_score":0.10824674455558551},{"text":"I didn't recommend that. I did think about doing it, but it was something that we discussed, and you've neither of you were comfortable adding additional contributions yet. Life is very expensive Mhmm.","start_word":5970,"end_word":6002,"sentiment":"negative","sentiment_score":-0.4958569407463074},{"text":"still. So we can down the track you know, look at additional contributions to offset the cost of those premiums as well. Mhmm. I do also have to note that because of what was disclosed, the underwriters did let us know that when you go to application, they will request, like, doctor's reports to show, you know, what the doctor's records have. They will also possibly request, you know, new medical new medicals to be done in order to put the policy in force. That means that Mhmm. a nurse may, you know, contact or you they may ask you to go see your doctor to be able to have those medicals done so they can assess it. If there is anything that comes out that we're not aware of or that increases the risk, there is a risk of a decline of that income protection policy as well. So I just wanted to show you what this looks like and be open and honest with you with how what this, you know, what's expected with regards to this. And then you get to decide what you're comfortable with and how you would like to proceed with the income protection side of things. Does that make sense? And do you Yeah. have any Yeah. questions? Absolutely. So if they decline the policy, which I think previously when Mhmm. we first signed up, they did. So I just go back to what I already have existing. Is that right? Or Mhmm. Yeah. okay. Yeah. Correct. So what you have currently saved as it is, there's no change there in any way, shape, or form. It just means that if they decline that policy, we can't take that new ClearView policy there. Alrighty. But yeah. Yeah. Alright. Yeah. Okay. Yeah. As long as that's Beautiful. still coverage if they decline it. Absolutely. Yeah.","start_word":6003,"end_word":6313,"sentiment":"neutral","sentiment_score":0.007406888164316343},{"text":"Absolutely. And that's why we're I'm glad we've got that group cover already in place because that is kind of your backup protection.","start_word":6314,"end_word":6336,"sentiment":"positive","sentiment_score":0.5259067416191101},{"text":"That will not change. That stays there regardless. This newer policy, if it's declined, if it doesn't affect that current group cover policy you have. Okay. Yeah. Okay. And then when you when you do look at the appendices, if you scroll into that document to the basically, the end, you'll see there is a insurance comparison showing the lower level of cover, the lower premium, and the lower projection table for you as well just so Mhmm. you can consider the differences.","start_word":6337,"end_word":6419,"sentiment":"neutral","sentiment_score":0.13893176552401967},{"text":"And you're welcome to let me know if you have any questions or wanna look at alternatives, and it's it's really just handed off on what you're comfortable with.","start_word":6420,"end_word":6448,"sentiment":"positive","sentiment_score":0.4609284698963166},{"text":"Okay? Okay. Yep.","start_word":6449,"end_word":6451,"sentiment":"neutral","sentiment_score":0.21376784145832065},{"text":"Beautiful.","start_word":6452,"end_word":6452,"sentiment":"positive","sentiment_score":0.3914785385131836},{"text":"Sorry. I know it's a lot to go through. I just wanted to No. be honest That's alright. and open and let you know it's all out there so you know what to kind Yep. of expect and what could happen. And I've also got in there a lot of information. So when you go back and read the advice document, I've got the best interest duty noted on all the different areas of the advice for you to have a look at. It relates Mhmm. it back to your goals. We've also got the advantages, the disadvantages, and the risks outlined there for you as well. Okay?","start_word":6453,"end_word":6560,"sentiment":"neutral","sentiment_score":0.0855724886059761},{"text":"Excellent.","start_word":6561,"end_word":6561,"sentiment":"positive","sentiment_score":0.43870604038238525},{"text":"If I can get you to scroll down for me just to page number 33, there's a table here I just wanted Okay. to take you through really quickly. Yes. Yeah.","start_word":6562,"end_word":6592,"sentiment":"neutral","sentiment_score":0.1509108543395996},{"text":"Beautiful.","start_word":6593,"end_word":6593,"sentiment":"positive","sentiment_score":0.41411370038986206},{"text":"So this one here, you'll see the table there under the outcomes, and that's essentially showing you the projection table above. But we also have to note that there is an effect. So paying for insurances out of super does have an effect on your retirement income. And this shows you the same projection table above, but it also shows if you were not paying for insurances out of super, you can see the same projection table and showing over the next five to ten years where your super could end up. It's essentially showing you the projected impact that your insurance premiums recommended have against your current scenario versus if you didn't pay for insurance. So it's just showing you the impact that we can see the insurance premiums have on your super over the next five to ten years. Does that make sense? Yep. Yep. That makes sense. Yep. Would Yeah. that add, like, an extra additional year? So, like, you said, oh, roughly we wanna retire at 60.","start_word":6594,"end_word":6764,"sentiment":"neutral","sentiment_score":0.14926249259396604},{"text":"Does Beautiful.","start_word":6765,"end_word":6766,"sentiment":"positive","sentiment_score":0.5316318273544312},{"text":"that now become like, oh, okay. It might have to be, like, 65 because we're, you know, taking on the well, because I'm taking on this life insurance, like, if I am successful No. with application. That is a really that is a really good question, and, no, it definitely does not. So, Okay. essentially, what I'd be looking to do is we're projecting things over the next five to ten years.","start_word":6767,"end_word":6838,"sentiment":"neutral","sentiment_score":0.14572589099407196},{"text":"This puts you in a really good place, but I wanna kind of also look at down the track making additional contributions and building on this starting point. So we can minimize the impact of those insurance premiums by increasing contributions in something as little as, say, $50 per fortnight could have a much greater impact for you long term and Mhmm.","start_word":6839,"end_word":6900,"sentiment":"positive","sentiment_score":0.4214399456977844},{"text":"Okay. offset some of those insurance premiums as well.","start_word":6901,"end_word":6909,"sentiment":"neutral","sentiment_score":0.31819337606430054},{"text":"We also just wanna make sure those insurances stay in line with what you need. So if your income fluctuates and changes that we owe to that, these insurances do increase each year as they go through renewal, so keeping them and bringing them back in line with your needs as often as needed as well to keep the cost low.","start_word":6910,"end_word":6970,"sentiment":"positive","sentiment_score":0.35392722487449646},{"text":"And then also looking at maybe other ways to mitigate the risk. If you decide to then invest in your own name or have savings and Mhmm. build a buffer, we can also then look to reduce the amount of insurances you need because you've got that buffer or that safety net, whether it be an investment or other savings through cash on budgeting that you can fall back on, and that can also provide a bit of a buffer and reduce the need for those insurances as well. So there's Okay. definitely other things that we can do to build on this. I still wanna make sure that you're able to retire at the age of 60 if that's what you want and Mhmm. try to look at ways to build and and make sure that happens for you both. Okay? Mhmm. Yep.","start_word":6971,"end_word":7114,"sentiment":"neutral","sentiment_score":0.22112338244915009},{"text":"Perfect.","start_word":7115,"end_word":7115,"sentiment":"positive","sentiment_score":0.5577355623245239},{"text":"Do you have any questions that are coming out of any of this? Please let me know if you do. No.","start_word":7116,"end_word":7136,"sentiment":"neutral","sentiment_score":0.13547801971435547},{"text":"Not at the moment. No.","start_word":7137,"end_word":7141,"sentiment":"negative","sentiment_score":-0.37471744418144226},{"text":"No. All is good. No. That's okay.","start_word":7142,"end_word":7148,"sentiment":"neutral","sentiment_score":-0.021515339612960815},{"text":"Beautiful.","start_word":7149,"end_word":7149,"sentiment":"positive","sentiment_score":0.544946014881134},{"text":"Now scrolling down to the next section is on page number 37, and this is the third year. Sorry. Sorry. I was just my daughter rang, so my son's training. Sorry. Oh, that's That's okay. You're fine. 373737. Yep. Oh, it says oh, have I missed what? That's Sergio's strategy recommendation. Is that right? Is that what we're up Yep. to? 37? That's Oh, okay. that's Good. the one. Yep. You've been doing all this Is Sergio there? Yes. Sorry. He's on the phone just speaking to my daughter. Sorry. I'm so sorry. No. That's fine. They're just trying No. No. to You have my daughter nothing. took my son to training. So so they're just trying to sort it out as to where That's he's supposed to be. yeah. That's not a problem at all. Yeah. Okay. Alright. Here you go. Okay. It's up to you now. Oh, you're very looking. You're very following. Oh, he is following on his phone. There we go. That's the thirty Okay. seven. Yeah. Let me just find Yeah. out. Yep. Alright. He's ready.","start_word":7150,"end_word":7330,"sentiment":"neutral","sentiment_score":0.024085232987999916},{"text":"Perfect. Excellent. All good.","start_word":7331,"end_word":7334,"sentiment":"positive","sentiment_score":0.47730186581611633},{"text":"So, Sergio, this is for you. This is essentially with regards to your super recommendation. I did have a look at your super as well as all the other ones out there and the investments. Again, I am recommending you retain Hub 24. One of the good things about with Hub 24 is the two of you are linked in the back end, so it helps to mitigate other fees as well, and you have the aggregation behind you.","start_word":7335,"end_word":7413,"sentiment":"neutral","sentiment_score":0.23697464168071747},{"text":"So it helps to lower the admin fees where possible, which is good. Hub 24 does still work in your advantage because it does give you a lot of different investment options there.","start_word":7414,"end_word":7446,"sentiment":"positive","sentiment_score":0.3654002845287323},{"text":"If I can get you to scroll down for me to page number 41, I can take you through your projection side of things. Yep.","start_word":7447,"end_word":7471,"sentiment":"neutral","sentiment_score":0.14479272067546844},{"text":"Beautiful.","start_word":7472,"end_word":7472,"sentiment":"positive","sentiment_score":0.5006620287895203},{"text":"Now the the table shows your current balance sitting at 4 at 74,562 with your admin fees, investment fees, the ongoing service fee for us looking after everything, your contributions going in, and your insurance premiums coming out there. And you're in that high growth environment. You sort of talked about how you're both in those different risk profiles and how, Angela, you are comfortable being more growth, and, Mhmm. Sergio, you wanna take a bit more risk because your balance is lower. You wanted to sort of have things working a bit harder. So you remind that high growth environment, which is a 10% split between growth to defensive investment. When I went back and had a look at how your current portfolio is performing, you've got some underperforming investments in there, and it's averaged about 4.28%.","start_word":7473,"end_word":7610,"sentiment":"neutral","sentiment_score":-0.016371063888072968},{"text":"I was definitely not impressed with that.","start_word":7611,"end_word":7617,"sentiment":"negative","sentiment_score":-0.7084149718284607},{"text":"So I wanted to go back and remove those investments out of there for you and update your portfolio to make sure it is working a bit harder. The good thing Alright I was then. able to work out was by by switching those investments, you'll see in the differences column, there's no fee there. I was able to make sure that any underperforming investments were offsetting any capital gains. So to switch your investments around, there's no capital gains effect for your super. Okay. Yeah. Yeah.","start_word":7618,"end_word":7704,"sentiment":"neutral","sentiment_score":0.06012019142508507},{"text":"It's good. It means the balance stays the same.","start_word":7705,"end_word":7713,"sentiment":"positive","sentiment_score":0.3698902130126953},{"text":"When you do have capital gains, and sometimes it's unavoidable. Like with yours, Angela, I tried to mitigate it as much as possible, but we just couldn't get it any lower whilst making sure Mhmm. things work a bit harder. But, essentially, with the capital gains, once that switch happens, that capital gains is essentially paid for or deducted. So it does affect you. The recommended balance will change that.","start_word":7714,"end_word":7783,"sentiment":"neutral","sentiment_score":0.07655349373817444},{"text":"So so, yeah, because yours has no capital gains, your super balance for the recommended column is exactly the same as it currently is, which is good.","start_word":7784,"end_word":7810,"sentiment":"positive","sentiment_score":0.3942882716655731},{"text":"Your investment yeah. Your investment fees stay the same, but I was all sorry. Your admin fees stay the same. Sorry.","start_word":7811,"end_word":7831,"sentiment":"neutral","sentiment_score":0.1611834317445755},{"text":"But I was able to help lower your investment portfolio cost as well. So instead of paying $540 a year, I can reduce your investment fees to $234. It saves your Mhmm. it saves you or your super $306 per year in investment fees, which is a positive. Yeah. Yeah. Very good. Very positive. Yeah. The ongoing service fee does increase just slightly because we account for growth by $23 for the year, very minimal, which is good. Your contribution stay the same, and there's no change to your insurance because you were happy with them, so the premiums remain the same there as well. The other thing I do like about this high growth portfolio for you, it has a much greater past performance. Over the past five years, it's averaged 10.83%. So if this portfolio can obtain what it has and keep in mind, you can see on the next page, over the next five to ten years, your super balance could grow pretty significantly.","start_word":7832,"end_word":7998,"sentiment":"positive","sentiment_score":0.4630951990267474},{"text":"So in the next Can page. you see that down the next page? Yes. Sorry. Yes. It's in green. Yeah. This one? Yeah. Yeah. Yep. Yeah. So in in the newer portfolio over the next five years, you could end up with a 119,000 or over the next ten years sitting at a 180,000 there as well. And this is just a starting point. So the same as with yourself, Angela, we can look at down the track additional contributions to help provide us a benefit there. If you guys the income increases, that means that the the contributions going in will automatically increase there as well. So there's other things that we can do to build on this. It's just Mhmm. about looking at where we're tracking now with these recommendations. Okay. Yeah.","start_word":7999,"end_word":8132,"sentiment":"neutral","sentiment_score":0.1376495510339737},{"text":"That's great. Excellent.","start_word":8133,"end_word":8135,"sentiment":"positive","sentiment_score":0.41832467913627625},{"text":"Now if you go down to the next page, that's the page that's gonna have the changes to be made to your super with regards to the investment plan. Yeah. Oh, your search has got the page. Yep. It's good right Yes. now. Beautiful. Yeah. Got it. Yeah. So just sort of running through these, and I said, yeah, your portfolio was a bit older than Angela's was, so there was definitely a few more investments to look at maybe switching out for you. But we've also got Mhmm. at the top there the Benelon Australian equities.","start_word":8136,"end_word":8232,"sentiment":"neutral","sentiment_score":0.09522370249032974},{"text":"That was the one that we discussed last time was underperforming pretty heavily. We're gonna knock that straight out of your portfolio and take it down to zero, so remove that completely.","start_word":8233,"end_word":8264,"sentiment":"negative","sentiment_score":-0.46373867988586426},{"text":"You've also got the Vanguard diversified index. That one there has also not been performing as well as it should have been, so we are removing that completely from your portfolio. Mhmm. You've also got that cybersecurity. You both have this investment. It's giving you access to global cybersecurity, and it's essentially also giving you access to some tech as well. We are keeping that in the portfolio. There is still a place and some growth to obtain from that one. You're a bit underweight at the moment. You wanna hold 7%. You're sitting at about 6.35, so we're gonna buy a little bit more of that investment for you. We've also got the battery and lithium tech. We are holding tech in other areas. So battery and lithium and the one below that, the the MorningStar Global tech, they are gonna be removed out of your portfolio. They have done really well, but we can still hold tech in other ways, and it makes the portfolio cheaper for you as well. Mhmm. Underneath that, you've got the iShares Europe investment. That one is coming out of there as well. We'll still hold exposure to it. We just don't need to hold that investment. And then the s and p 500 is the one below that. That is, again, giving you access and exposure to the top 500 companies within The US. It is still a great place for the investment. It does see ups and downs, but you do see good growth in international equity. So we wanna keep 25% of this investment. You are a bit overweighted. You currently hold 32.65 percent there. We're gonna sell some of that and just rebalance your portfolio back to 25%. You've also got the iShares Asia. We are removing that completely from the portfolio. It's kinda underperforming a little bit. It has been great over the past few years, but it is time to remove it out to replace that and still give you exposure. And then the Van Eck China new economy. This investment you had about 2% off, it hasn't been performing.","start_word":8265,"end_word":8617,"sentiment":"neutral","sentiment_score":-0.021021577453098284},{"text":"China really didn't do what it was supposed to, and there's still quite some high tensions there as well. So we are just gonna remove that from the portfolio because there is a risk of it underperforming better than what it already has.","start_word":8618,"end_word":8660,"sentiment":"negative","sentiment_score":-0.5027984380722046},{"text":"Okay. Underneath that, where we're gonna buy into replace some of those ones that we're removing, we'll give you exposure to the India quality ETF.","start_word":8661,"end_word":8685,"sentiment":"neutral","sentiment_score":0.00032165407901629806},{"text":"So India has been some really good growth. You wanna see more growth there, and we can see growth coming.","start_word":8686,"end_word":8705,"sentiment":"positive","sentiment_score":0.4517604112625122},{"text":"So we'll see about 7% of that investment there for you. Underneath that, Mhmm. you've got global health care. They're giving you access and exposure to the health care sector globally, and we wanna hold 7% in that investment.","start_word":8706,"end_word":8744,"sentiment":"neutral","sentiment_score":0.1844622641801834},{"text":"We have seen some good growth, wanna see good growth moving forward, and this is giving you exposure to health care in general, but also the tech side of things.","start_word":8745,"end_word":8774,"sentiment":"positive","sentiment_score":0.3617790639400482},{"text":"And there's a lot of changes coming within that space, so it is good to have that invested in your portfolio. You will also see underneath that the beta shares Rafi of Australia two hundred. So this is giving you some exposure into the Australian market. We are holding that investment at about 15% for your portfolio. And to give you some more exposure to the Australian market, we're also holding underneath that the a 200. So these two investments are giving you exposure to essentially some of the top technically 400 companies on the ASX. It's not necessarily buying the same country companies. It weights differently depending on, you know, what companies fit the two portfolios, which is great. So it's not holding the same companies over and overexposing you in any way. Together, they will be about 25% of your portfolio, Sergio, and it's about looking at making sure we're getting some Australian exposure because Australia does provide and has provided some good growth, not as much as international equities, but we still need to hold some Australian companies.","start_word":8775,"end_word":8955,"sentiment":"neutral","sentiment_score":0.14864002168178558},{"text":"They do provide good good growth and exposure there for you.","start_word":8956,"end_word":8966,"sentiment":"positive","sentiment_score":0.497117280960083},{"text":"Okay? Okay. Underneath, we also have that day reg, the JT Morgan Global where you said enhanced equity funds. So one of the things that you both were comfortable with was having a little bit of active management here.","start_word":8967,"end_word":9005,"sentiment":"neutral","sentiment_score":0.16406469983168137},{"text":"So with this portfolio, with this investment, it does it's a it's a passively managed fund, but it has a small active component, which is great. So it's a cheap investment to hold, and it has some active management. It utilizes JPMorgan's research team to pick and choose areas of growth, and they add additional investments in utilizing that. It's also global, so it's also giving you great diversification.","start_word":9006,"end_word":9074,"sentiment":"positive","sentiment_score":0.4687129855155945},{"text":"As much as you're in that high growth environment, we still want to see that ninety ten split and take a bit more risk to get returns. But where we can humanly possible mitigate risk, we wanna also look at doing that. So diversification is one of the best ways to mitigate market risk and spreading that risk level across different asset classes, different countries, and also different areas of investment.","start_word":9075,"end_word":9145,"sentiment":"neutral","sentiment_score":0.19225534796714783},{"text":"So that's one of the good things we do wanna have in here, and this investment has been some really good growth as well.","start_word":9146,"end_word":9169,"sentiment":"positive","sentiment_score":0.6185798645019531},{"text":"Okay. Underneath that, which kinda goes on to the next page a little, you've got your physical gold.","start_word":9170,"end_word":9187,"sentiment":"neutral","sentiment_score":0.08525208383798599},{"text":"Physical gold has been really good growth.","start_word":9188,"end_word":9194,"sentiment":"positive","sentiment_score":0.3647719621658325},{"text":"We still expect it to. We wanna hold 7% in your portfolio. We'll have physical physical gold in both your portfolios, essentially. One of the good things is physical gold is a growth investment. It does see fantastic growth, but it is also a defensive investment at times because if you think back to the GFC or when markets or equities don't perform as well, people move money into physical gold as a bit of a safe haven.","start_word":9195,"end_word":9272,"sentiment":"neutral","sentiment_score":0.23430398106575012},{"text":"So it's a growth asset that can act defensively when it needs to as well, and we all love a bit of physical gold.","start_word":9273,"end_word":9296,"sentiment":"positive","sentiment_score":0.3638014793395996},{"text":"So holding 7% in your portfolio is good. And then you've also got core composite bonds. This is giving you exposure to both government and corporate funds. It's essentially holding about 7%. This newer portfolio, when you both sort of have a look, it's the same portfolio for the both of you. It's just basically in different weighting. And, Angela, you also have a little bit more defensive. So you've got the iShares Yes. yield plus. So this is the different weighting giving you so you get more high growth for the asset allocation, other making sure that you're, you know, looking at a good diversified portfolio that's low cost, has shown good past performance, and looking to mitigate as much CGT to change the portfolio as possible. Does that make sense? Do you have any questions about this at all? No. No.","start_word":9297,"end_word":9439,"sentiment":"neutral","sentiment_score":0.19410256947670784},{"text":"Beautiful. Excellent.","start_word":9440,"end_word":9441,"sentiment":"positive","sentiment_score":0.42976114153862},{"text":"If you scroll down for me to page number 46, this here is just recommending that we retain your life, your CPD, and your income protection within within a center. Just keeping as is, you may mention that you were comfortable with the level of cover you have between your life, your TPD, and your income protection level is as per your current income.","start_word":9442,"end_word":9505,"sentiment":"neutral","sentiment_score":0.11947669833898544},{"text":"So it does work and is at the right level there.","start_word":9506,"end_word":9516,"sentiment":"positive","sentiment_score":0.33939069509506226},{"text":"So we're recommending to retain that exactly as it is, and we'll just make sure that moving forward, we do, you know, reevaluate those levels of cover with you and make alterations as they needed. Okay? Okay.","start_word":9517,"end_word":9553,"sentiment":"neutral","sentiment_score":0.11274205893278122},{"text":"Beautiful.","start_word":9554,"end_word":9554,"sentiment":"positive","sentiment_score":0.3842365741729736},{"text":"Down on page number 48, I also have that same projected table that shows you the effect of having insurances paid out of super on your on your super balance over the next five to ten years. Mhmm. Beautiful. So you'll see here with this under the outcome there, you've got your current table that shows your current portfolio, your current projected outcome, current fees, and then the recommended is the recommended side of the above table again. So retaining your current insurance premium, but the new portfolio projected over the next five to ten years. The last column shows the same recommended for newer portfolio projected. However, if you did not pay any insurances out of your super fund. So it's essentially showing you with the recommended over the next five to ten years, we understand that insurance premiums have an impact on your balance, and this shows you that impact over the next five to ten years based on the recommended side of the table. Okay. Okay. Beautiful. From there, if I can get you to skip a few pages and go to page number 50, this is just looking at the beneficiary. Mhmm. Yep.","start_word":9555,"end_word":9751,"sentiment":"neutral","sentiment_score":0.06762386113405228},{"text":"Beautiful.","start_word":9752,"end_word":9752,"sentiment":"positive","sentiment_score":0.3727426826953888},{"text":"So this is for the both of you just recommending that we realign your beneficiary nominations on your hub 20 four super and, Sergio, your ascender life insurance policy so that if in the event that one you passes away, your super benefit and your life insurance is paid to the other spouse.","start_word":9753,"end_word":9805,"sentiment":"neutral","sentiment_score":0.28930479288101196},{"text":"That allows you then to keep paying down debts and covering bills and things like that.","start_word":9806,"end_word":9821,"sentiment":"positive","sentiment_score":0.4620245397090912},{"text":"And then if you scroll down even lower, we've got the recommendation to speak to a solicitor and have a will and power of attorney drawn up. And these essentially allow you to then account for the other side of it where if something happens to the both of you, that how would that money be held in trust to your kids, how would it be paid out, what you wanted to have it you know, what percentage you want to have it paid out in, and how you wanted that to work. So it's Alright. yeah. So, essentially, you'll see for beneficiaries cover if one of you was passed away, and then the contingency is placed in a will and having that done through a qualified solicitor can help you to make sure that those are up to date, correct, Mhmm. Yep.","start_word":9822,"end_word":9964,"sentiment":"neutral","sentiment_score":0.2768925726413727},{"text":"and reflective of your wishes.","start_word":9965,"end_word":9969,"sentiment":"positive","sentiment_score":0.37900060415267944},{"text":"Okay. Okay. Yeah. So Cedric just Beautiful. said that he just had to duck out or duck to the bathroom. Oh, that's So so that's you'll be absolutely just talking to me fine. for a bit. That's not a problem at all. Angela, if I can get you to scroll down to page number 59 for me, the last little things I need to show you are just the remuneration side of things. It'll be fine with him, so now I have to go back on my phone. Oh, I'm Oh, I get no. No. No. I know you. so Fifty fifty. And 59. Yes. I can see it now. sorry.","start_word":9970,"end_word":10080,"sentiment":"neutral","sentiment_score":0.0854172557592392},{"text":"Beautiful.","start_word":10081,"end_word":10081,"sentiment":"positive","sentiment_score":0.4846181273460388},{"text":"So this is the remuneration side of things. Now there is no upfront cost for the advice. It's all part of you being an ongoing client, and we don't charge anything new for the advice pieces with relation to super or insurances. It's all part of us working towards your goals and updating advice as appropriate and in and in your best interest. However, Mhmm. I do need to show you that with the insurances, we do receive ongoing remuneration. So if you do go ahead with the Clearview policy, we do receive remuneration from ClearView. Not paid by you. It's from them. To us, we received 66% of the first year's premium and 22% that are ongoing after that. So that is the two tables they're outlined, and it's also showing Mhmm. your ongoing service fee at the bottom. You currently are on that 1.10% structure with Sergio.","start_word":10082,"end_word":10230,"sentiment":"neutral","sentiment_score":0.15428593124719275},{"text":"Yes. Excellent.","start_word":10231,"end_word":10232,"sentiment":"positive","sentiment_score":0.5050275921821594},{"text":"And then on the next page, we've also got Sergio's ongoing remuneration. So his ascender or MLC, which is now a sender policy, is already enforced. So we just received 22% there ongoing of the premium. Mhmm. And, again, he's on that 1.10% for the fee structure for our ongoing services. I just like to make sure I go through that with you and show you. The recommendation for the Clearview policy isn't for me, it's not about the remuneration side of things. I like to be upfront and honest with you about what we receive and how that works, But the recommendation has been produced in line with your goals to make sure that you're able to essentially claim an amount that covers that helps to provide for expenses in the event that you're off work due to illness or injury, and the Mhmm. recommendation is there for you to review. I've also gotten the appendices, the difference, the alternative, where if you're happy to take a lower amount of income protection, that the cost could also be lower, and it has a much smaller effect on your super as well. So Okay. we outline the recommendations, the advantages, the disadvantages, and the risks involved, and I show you and honest with you about all of that, and then you get to decide what you're comfortable taking it. If you decide not to take the Clearview policy, that is absolutely fine. It's just gonna be what you're comfortable with, and Mhmm.","start_word":10233,"end_word":10484,"sentiment":"neutral","sentiment_score":0.1801050305366516},{"text":"I'll show you how the advice works and how we meet your goals to to kinda get you to that point.","start_word":10485,"end_word":10505,"sentiment":"positive","sentiment_score":0.4208957850933075},{"text":"Okay?","start_word":10506,"end_word":10506,"sentiment":"neutral","sentiment_score":0.23452070355415344},{"text":"Okay. Excellent.","start_word":10507,"end_word":10508,"sentiment":"positive","sentiment_score":0.5858309864997864},{"text":"Once you've kinda gone through that, if you are happy to proceed, on the very bottom page of that document and please take some time to read it through because I know it Yeah. is absolutely a lot. But on page six sixty four, we do have the signing section. So once you've kinda gone through, you've had a good read of it and talked about it, if you decide to take all the advice, we get you to sign and return that Mhmm. back. If Yes. there is any part of the advice you don't wish to proceed with, you'll see those colored boxes at the top there. Mine's saying multiline. I'm not sure Yes. what yours say. But you can always write in that box any area that you don't wish to proceed with. So if you want Yep. to not take the ClearView policy, if you wanna take the one in the appendices and look at discovering 50% of your income, you Mhmm. just make a little note in that box there. And when the document comes back to us, we check that, and we make sure we move forward in line with what you're comfortable with. Does that make Okay. Yeah. Yeah. sense?","start_word":10509,"end_word":10715,"sentiment":"neutral","sentiment_score":0.10239256918430328},{"text":"That makes perfect. Yep. Beautiful.","start_word":10716,"end_word":10720,"sentiment":"positive","sentiment_score":0.5960240364074707},{"text":"And if you scroll back up there for me, just to page 63, this outlines how we will implement the advice if you decide to take it all on board. Essentially, step one is that you sign and return the document back. Step two is we'll do the investment switch for each of your supers first. We'll get those supers done and remove those underperforming investments, and then we'll book you in to go to the in the income protection increase application or the increase the application for your income protection. That Mhmm. will go through the underwriting team, and we'll keep up to date with you to see how that's going as it is assessed. Then we also make sure we send out those beneficiary nominations so they can be signed, returned, and have those beneficiaries up to date. And then the last step is just making sure you speak to us, Lisa. We can refer you to one, or if there's one that Fifth local Guarco that Place. you're comfortable talking to, then you can always make sure you text them. But just doing a pure will and power of attorney is the last step of the advice document. Okay. Okay.","start_word":10721,"end_word":10923,"sentiment":"neutral","sentiment_score":0.16396016088025325},{"text":"Beautiful.","start_word":10924,"end_word":10924,"sentiment":"positive","sentiment_score":0.6058306694030762},{"text":"Now I know there is a lot. I'll let you guys go back and have a read through it. Yep. Let me know if you do happen to have any questions at all. I know my team will definitely check-in to see if there's anything they can answer, and if you are happy to take the advice to get you signed and return it back. Now I Okay. just need to let you know I am off for the next two weeks. I'm having a small break. I will make sure that if I haven't heard from you beforehand that I do touch base, whether by Yep. email when I return on the twenty eighth. Just to Mhmm. see if you have any questions there. Yep. But at the moment, is there anything that's kinda come up question wise that either of you can think of? Or Well, no. Nothing's kind of out, like, I thought because I think I've asked the questions as I went. But Yeah. when do you want this kind of well, when do you want the signing done by? Just that way, we've got a deadline I could put in my calendar so I can we can get all of this done. Yeah. No. You're right. So there's no real deadline for you. It's when you're comfortable to do Okay. so. If you're happy with the recommendations and wanna take them all on board, then we'll just Yeah. need to sign and return it back as soon as possible. That would be great so we can implement Okay. everything for you and get the investments which is at least done. But Yeah. if you wanna take a second to read it, you do actually have sixty days. The advice document is valid for sixty days. And as long as you sign and return back within that time frame, that's absolutely valid and fine. Okay. Okay.","start_word":10925,"end_word":11244,"sentiment":"neutral","sentiment_score":0.07713168114423752},{"text":"Yeah. Fantastic. Beautiful. Excellent.","start_word":11245,"end_word":11248,"sentiment":"positive","sentiment_score":0.6168537139892578},{"text":"I know it's a lot, so I always make sure I give you guys chance to read it and take some time because Yep. I know it's a lot.","start_word":11249,"end_word":11277,"sentiment":"neutral","sentiment_score":0.17499220371246338},{"text":"But I really appreciate you allowing me to put this together. I've really enjoyed doing the research and putting it together and looking at ways that we can boost your super and make some changes, and there's Yeah. this is just the starting point. There's other things that we can do to kinda build on that down the track for you both as well. Okay. Yeah. Thank you.","start_word":11278,"end_word":11345,"sentiment":"positive","sentiment_score":0.6257485747337341},{"text":"No.","start_word":11346,"end_word":11346,"sentiment":"neutral","sentiment_score":0.12385769188404085},{"text":"Thank you for taking your time and trying to get the best out of it all for us. Thank you. We do appreciate it. That's not a problem at all. I will let you go. I hope you both have a lovely evening and a wonderful weekend.","start_word":11347,"end_word":11393,"sentiment":"positive","sentiment_score":0.6982851624488831},{"text":"And if I don't hear anything back, I would touch base when I return on the September 28. Okay?","start_word":11394,"end_word":11412,"sentiment":"neutral","sentiment_score":0.13947793841362},{"text":"Oh, fantastic. And enjoy your well deserved break. Oh, thank you so much, Angela. Thanks for taking my call. Enjoy your evening. Say bye, You and thank too. you to Sergei for me.","start_word":11413,"end_word":11445,"sentiment":"positive","sentiment_score":0.6328005194664001},{"text":"No worries. Bye.","start_word":11446,"end_word":11448,"sentiment":"neutral","sentiment_score":0.23365001380443573},{"text":"Thanks. See you later.","start_word":11449,"end_word":11452,"sentiment":"positive","sentiment_score":0.4948894381523132},{"text":"Bye.","start_word":11453,"end_word":11453,"sentiment":"neutral","sentiment_score":0.21347127854824063}],"average":{"sentiment":"neutral","sentiment_score":0.14756783581746483}}}}