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I just had you booked in just to kind of finish off the annual review that we started last week, just the last couple of things. Now is still a good time for you? Yeah. Perfect. Now just before I do go any further, just like usual, just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Perfect. And just to confirm I am speaking with the right person, just for security purposes, could you just confirm your full name, date of birth, and address, please? Yes. Perfect. That's exactly what I have here. And how's your day been so far? Been busy? Yeah. Well, I will try not to keep you for too long. Good news is we kind of did half of it last time, so it shouldn't take too much longer. But before I kind of jump in through go over the stuff with you, did you have a chance to read through any of the documents? Did you have any questions with the SMA or any other thoughts, or did that kind of clarify some of the questions that you had last time? Yep. Oh, perfect. Yes. Yeah. Great. Perfect. So, basically, kind of from from the call we started last time, from today, what I will do is I will go and do some more in-depth research in regards to your investment, especially seeing if we can swap some out that is, you know, underperforming a little bit to see if we can obviously put you in a better position and make sure that we always have you in the best investment possible for you. And it is important to do because, obviously, the market in the world is always changing. So it's not something we just wanna leave you in forever. We do wanna keep update and reviewing it. So after the call today, I will go and do that research. From then, I will put a recommendation into a statement of advice for you where I will go through my recommendation. And then you can basically let me know what you think of the changes, if you're happy with them, if you're not making alterations or changes essentially from them. Does that kind of make sense? Yep. Yep. Mhmm. Yep. Yep. Better. Yeah. Yep. Mhmm. Yeah. And it is also, you know, why we do wanna review it because, especially the the Bennelong one, when you did come on board and up until fairly recently, like we touched on, had done really well, which obviously contributed to the return. And, typically, in, you know, a a growth portfolio that we do have you invested in, we would see that you know, obviously, you never know what's going to happen in the world and the market. But typically speaking, the likelihood of a negative return is about one in every five years. So what we are seeing is, like, is not out of the norm for how the market would typically react. Obviously, there's different situations and stuff like that. The biggest thing is, obviously, you don't want it to be a long term thing because then there could be more structural issues, obviously, with a different investment. So if for, you know, one period of time, it is not as great, Typically, it's not too much of a concern unless there's obviously underlying investment issues that we want to address. So from, like, looking at the portfolio as a whole, the biggest thing we did wanted to address was your Benelon investments, which is what I will focus on. I will review all of them for you to see if we do need to make changes elsewhere as well, but specifically focusing on that Benelon. And and part of the research as well is to kind of gauge what your comfortable level was in regards to the SMA. So the good thing with the SMA and how it was different, and I'm not sure if you've had too much time to read on it, is that because, obviously, the markets are changing rapidly and quickly. You know, there are things that it it can drop and fluctuate on a daily quite quickly. So the way that things are, because it's obviously so much compliant and legislation behind everything, also can make sure that you are fully informed and consented at all points in time. So with the SMA, the the way that it's different is that it allows us to make this quickly those changes quickly. Because how it works is that you would be invested in a portfolio. And then in that portfolio, there's still, you know, heaps of underlying investments. So you would be invested in a particular portfolio. And then by doing so, it allows us along with BlackRock who we partnered up with to create the SMA is that we can very quickly make a change. We could just make a a quick change in the back end to let you know of any changes, but we wouldn't have to go through the whole SOA research process where you would have to, you know, book an appointment, go through the SOA, you to agree, and approve the changes before we can make a change, which sometimes can take a couple of weeks. But on the other hand, some clients are more comfortable with, no. Okay. I'm I'm okay for it to take a little bit longer. I do wanna have the SOA. I do wanna have all of that, and I would like to agree to the changes before they happen. So I do have some clients that goes both ways. Do you have a preference of what you prefer or what your thought process is on is SMA something you would be comfortable going down if it's going to put you in a better position or not really? It would be the research, but it would be potentially all of it if it is going to put you in a better position. If doing the research is not going to put you in a better position than what you currently have, then legally, I can't make that recommendation for you. It is just if by doing the research, it shows that, you know, the fees are lower, performance is better, and it gives us that flexibility with investment. Only then would I make the recommendation, but it would mean that you would have slightly less oversight with the changes. If you'd go into Hub twenty four, you can still see all the underlying investment, but we could make a change in the back end, let you know of the change. So it's kind of a quicker process, but also something that you would have to be comfortable with. Some people think it's great because that means they don't have to be involved as much, and they still get updated of the changes. And it means because we can make the changes quicker, we can hopefully, you know, make changes before there is a bit of a market dip if we foresee something happening. But some people are wanting that full transparency before a change. So, ultimately, it's up to where you are comfortable with. I can research both options and make a recommendation which one is better for you, but it's also what you are comfortable with. Yep. Mhmm. Yeah. Okay. Yep. Yep. Yeah. That's okay. No. That's okay. It was more the yes. Yeah. I did. So it was no. That's okay. It was more like the general. So it wasn't the underlying investment. I sent you two documents. One was a product disclosure statement. Basically let me see how many pages. 18 pages, and it's with hub 24. So it just talks a bit about, so basically, everything undone with the SMA itself. And then the second one was just to give you a bit more information on what an SMA is and the different portfolio. It doesn't show all the underlying investment, but it shows you the different portfolios that we have. So the different names of them. So we have, like, a balanced option, a growth option, a high growth option, and then a super high growth option. So it just gives you some general information. So if it is that you are comfortable with to not you know, if you don't want to have that every time we need to make a change, we have to call you, go through the process, then I'll consider the estimate. But if you said that you want that oversight, then I won't do it. Okay. Okay. Yep. Yep. In your own time? Yeah. Yeah. So Mhmm. A bit of both. Sorry. It would still be Hub twenty four. Is that still the best? So I'll still research Hub twenty four just to make sure that's still the best option for you when we are looking at everything. So let's say if it is Hub twenty four, stay with Hub twenty four, then Hub 24 would be like your platform. So think of it as like your bank account. That's just what holds your money. Then Oakview, along with BlackRock, so we've partnered up together. Sorry. Oakview's investment committee with BlackRock investment committee together structures the portfolio and manage, you know, the different investments and stuff like that. Yeah. Does that make sense? Yeah. Yeah. Perfect. Alright. So I will research both options for you anyway. I'll put them together for you. When I do go through the statement of advice, if it is that the SMA comes out better, they will also have more information on, like, the pros and cons of the SMA, all the fees, and stuff like that. So you will have more information in the SMA if the SMA turns out to be better. If the other model portfolio turns out to be better, then I will recommend that for you. Yep. Mhmm. Yes. No, sir. I would have to do all that research to see which one's going to be the best for you, but it will be in that document. So it depends which one. It depends on if you but I think from the last conversation, you said you're still quite comfortable in your growth portfolio. So similar risk volatility. So I will look at your growth options and aim for that eighty twenty split. And then that one, I will, in the essay, show you. I will show you the performance. I can do, like, your twelve twelve month, three year, five years to give you all of it and then all the fees as well so that you can see the difference yourself. Yep. Now Yes. Yes. 100%. Yes. We always have to do it when we make any changes because I need to make sure that if I do make a proposed change, it will put you in a better position. Otherwise, I will say, no. What you have right now is the better option. So, yes, I definitely have to compare both options, and I'll do more options. So we have other portfolios as well, so I will compare a few different ones for you to make sure that whichever it is that I recommend will be the best for you. Yep. Now it will take me about ten days or so to get this sorted. So while I do have you on the phone, just to make sure I can, you know, prioritize it as well for you, I would like to book it in while I have you on the phone. Now when is typically best time for you? Okay. We can do the following week. Mhmm. Yep. Which day is better for you typically? Yep. Yeah. Let me have a look here. I could do. If I do 09:00 my time, that's 10:00. Oh, wait. Hold on. When does no. Daylight savings ended. Oh, that's good. Yes. 09:00. Would that work? Yes. We can do let's do ten. 10:00. Okay. Perfect. And that's when I will actually send you the document, and we can go through it together. I'll obviously make sure you have time to read over it to make sure you are, you know, happy with everything. Take your time as well. So that is booked in on Tuesday, April 21 at 10AM. The other just for me to finalize all of this for you, I do need to just quickly run through an updated fact line just to make sure that I have all your correct information and details so that I can do, you know, the advice and everything appropriately and correct for you. So bear with me as I go through this, and I'll try and do it as quickly as I can for you. Now I do have you down here as married with financial dependent. Is that still the case? Perfect. Occupation title as data consultant, still doing the same job? Okay. What's the occupation title? Sorry. Oh, perfect. At the Rexta. Still within IT? Yeah. Perfect. And did your income change at all with that with the change? I have 265 including commission. Yep. Perfect. And then base income, I have 210. Yep. Now I do have here that you get employer contributions on the 210, so you're based and not on commissions. Is that correct? On commissions? Okay. Perfect. I will update that. Let's see here. Now that does take you over the cap. Do you know so employers are only required to pay contributions up to 30,000. If you go over that, some employers stop. They don't pay more than 30 because they don't legally have to. Some employers do. Still go over. Do you know if your employer stops at 30,000? Because if your income is through a 165 and you get 12%, that's 31,800. Okay. Okay. Yeah. Okay. No. That's okay. If you can find out for me, that would be good. That that would that would help their their research. If you don't know, I can always do two comparisons, one stopping at thirty and one exceeding. But if you can find out and just email it to me, that would be great. That way I have the most up to date and correct information for you. Yep. Now, otherwise, aside from that, you are not making any additional contributions, are you? Mhmm. Mhmm. Yep. Mhmm. Yep. Yes. So you you're kind of a little bit in a hard position with the tax and super because of the high income. So the way that it is at the moment is that you are already exceeding that cap space. So so that would mean that any contributions over 30,000, you are already gonna have to pay the additional tax on you. You're not going to get the same tax savings. So making additional contributions through superannuation wouldn't be a tax saving because you've already reached the cap space. Mhmm. Yes. Yes. Yes. So you can definitely make a bit of lump sum if you want to to reduce it. You definitely can. Do you know if you do have unused cap space, then, yes, that's the way that you can do it. Obviously, if your income will continue to be high, you will run out of that, obviously, eventually. But if at the moment you do have unused cap space, then that is a good way to do it. But like you said, it does mean that it is locked into superannuation until you meet a condition of release. So if, for example, you turn 60 and you stop working, it will be locked into that time. Yeah. Oh, yeah. From a tax saving. Yeah. So tax is a bit tricky. So we would obviously from from superannuation, tax savings, and stuff like that, most definitely, that would be the way. Otherwise, to make your tax bill less, it would be an account. So it is a little bit different, so they would be the best person to speak to when it comes to what deductions can you make and stuff like that to get that down as much as possible. Do you have a good account and stuff that you deal with? Right. Yes. Yeah. Yeah. That will be because they were obviously licensed in that area, so they will be the best one when it's like, cool. What can we do? And do you have private health insurance? Great. Perfect. Because otherwise, especially with high income and that's a hospital as well? Yep. Great. Perfect. Because that's another one sometimes where if you don't have it, then you will get the additional medical tax levy. So that is great that you have that in place already. Now assets and liabilities wise, let me see here. What are you guys renting at the moment? Okay. Perfect. Let me just update that here. And how much is that one valued at? Yes, please. 1.1. Perfect. And do you know what the mortgage would be roughly? $6.50. Alright. Perfect. Do you have any investment properties or anything like that? Perfect. And how much would that one be valued at? Yep. Six hundred? Perfect. And do you have a mortgage on that one as well? Two 42. Alright. Perfect. Motor vehicles? Yeah. And how much would that one be valued at, do you think? 20? Okay. 18. Anything owing on it? No. Perfect. Any other motor vehicles or boats or bikes motorbikes or anything? Okay. Yeah. No. That's okay. Do you have, like, other savings or any other assets in your name? Obviously, we have the investment bonds, but that's more obviously for your children. But any other assets? Yep. $1.50. Perfect. Now any other lie bill sorry? Yes. $1.60. Perfect. And which platform do you have that one on? Oh, yeah. Perfect. Any other assets, sorry, Jess? No. Perfect. Any other liabilities, like personal loans or credit card or ZipPay? Mhmm. Okay. And is that one that you kind of pay off for points, or do you have about six owing on it? Okay. Perfect. Yeah. No. I wouldn't add that then. And health and lifestyle wise, have you down here as a nonsmoker? Yep. Perfect. Any changes to your health in the last twelve months? Any medications or injuries or anything? No? I just have no health no significant health issues. Okay. Perfect. And is that a type one, type two for diabetes? Is that insulin? Yep. Yes. It is. Type one is when you're insulin dependent. Alright. Perfect. So that's the other one, which is good. And sorry. What was the other medication for? Did you say it was a blood pressure? Oh, sorry. I didn't hear. Yep. Perfect. Yeah. Great. But you haven't really had any issues with any of that in the last, you know, little while? Great. Perfect. Now when it comes to estate planning, do you guys have a will in place? No. That's okay. Do you have a, like, a power of attorney or anyone who makes any financial decisions on your behalf? No. Perfect. And are you involved in politics, like politically exposed or a tax resident in any foreign jurisdiction? Mhmm. Okay. Yeah. Okay. Yeah. Now that's there. Okay. Yes. Okay. Do you and with the property, do you get, like, rent rental income or earn, like, income from there? Okay. Okay. Great. Perfect. Yeah. No. That's separate then, which is good. Now, otherwise, when it comes to, I guess, goals and stuff that you are working towards that you are wanting to achieve, I have here that last time when we spoke to you, you were kind of focusing on first setting up the child investment and then just kind of focusing on growing your investment portfolio a little bit yourself. Maybe looking at another property down the track and maybe doing some traveling. Is that still kind of, I guess, your your main focus? Mhmm. Yeah. Yep. The main thing? Yep. Yep. Perfect. Now I do have here as well when it comes to retirement that, ideally, you would like to retire at the age of 65 with a weekly income of about a thousand dollars per week. Is that still kind of the case for you, or do you think you wanna retire a bit earlier? No. Six six to five five. Yeah. Okay. Yes. Yep. Not too much. No. If you were to kind of your your goals today, would you say, like, 1,500, 3,000, what would be, like, okay. 1,500? Great. Perfect. I will update that. Now the other thing is just with the documents that I did send you last time, when you have a moment, have a read over them as well. Most of them, we kind of touched on, which was, like, your Vanguard index chart and their performance. Another one is your tal insurances. So you have about 1.1 so this will be detailed in the SOA for you anyway, but you have about 1.1 worth of life and total permanent disability insurance. Are you quite happy with that level of cover and stuff like that? Yep. Mhmm. Yep. Mhmm. Yep. Yep. Yeah. So TPD is one of those tricky one where it's like, I think it's always good to have if it's affordable and depending on what your goals are. So typically speaking, it's very individually through your family situation. So TPD is obviously totally and permanently disabled. Now, obviously, like you said, if you are in a super high risk occupation, sometimes the insurance won't even give you cover, but the the chances of something happening at work is higher. TPD isn't just related to work. So that is totally and permanently disabled. So if anything were to happen to you, after you got your policy put in force and you are unable to work now that could be, an illness, a diagnosis. It could be, let's say, if you are in a car accident. Let's say you you break your back or something and you you can't work. Let's say if there will be any, you know, mental stuff, can't mean that you cannot do your job. Let's say if you take off a super risky occupation, let's say you do skydiving or, you know, off mountain climbing or whatever it might be, and something happens to you and you cannot go back to work, that's when the TPD is really helpful for. So for a lot of the clients, the TPD is sometimes more important than life cover because TPD means that you will still be around, but you can't work. So all the costs and stuff like that would still be around. Sometimes there's more cost associated because if you can't work, is there any you know, you need to make a modifications to the home. Do you need any, you know, more medical bills and stuff like that? That's what the TPD is typically for. So that is if you are unable to go back to work permanently. Now if something were to happen like that, you could get your superannuation paid out as well, but that would obviously only get you so long. Then it would be gone. So PPD, generally speaking, I think, is very important, especially if you have younger children and you, you know, wanna make sure that you can continue to support them, continue to oversee assist with bills and expenses. But it also depends on your, obviously, your your wife. Can you guys survive on her income alone if you cannot work, if you can never go back to work? Or do you are you quite dependent on your income as well? Yep. Yes. That yeah. Oh, and it is very good. So so PPD and IP have different functions. So if we just focus on PPD for now, then we're going to income protection. TPD will be a lump sum payment. So that is a lump sum payment paid directly to you. You obviously have to make that last, and you only get that while you have through doctors sign off on the fact that you are never able to go back to work again. So it is a little bit harder to climb on on that way, especially if you have a desktop like you said, but there can be different reasons why you can't go back to work. Now when it comes to the level of cover of what's appropriate, it comes down to what your specific goals are. So, for example, some people, as a starting point, go, well, if something were to happen to me, I would actually make sure that all my debts paid out. So the mortgage is not there. So then at least if I'm not working, the the, you know, living expenses might be fine on my partner's income. But at least the mortgage is cleared off, so that's not, you know, hanging over me, so we have to move. Some people want okay. Well, I want my investment property also paid off because then that means that we can potentially keep the investment property, get rental income, and we, again, don't have that. Some people, if they have other debts, they want that paid off. Some people want okay. Well, if I can't work, I want five or ten years worth of my income replacement because I can never go back to work. Some people go, okay. Well, I wanna make sure that if, let's say, the depending on what the school arrangement is, if you have private if you're wanting to look at private schools. Okay. Well, at the moment, private schools, let's say, is 10,000 a year, and the kids have, you know, five years left of school, then I wanna make sure I have, you know, 50,000 put aside to cover school fees. There's probably a lot of information, but in terms of how appropriate the cover is, it comes down to what you want to have happen if something were to happen to you. Yeah. So I can part of part of reviewing their super, I can definitely review it for you. And in reviewing that and looking at, okay. Do you have too much? Do you wanna reduce it? It's finding out, okay. Well, I can do all the math for you, but what is important to you? So if you tell me what you want to have covered, if something were to happen to me, then I can do the math and see if I can get some quotes accordingly. Yep. Yes. Yep. Yep. Yep. Mhmm. Yep. Just the desk. Yep. Yep. Okay. Mhmm. Yes. Yep. Mhmm. Mhmm. Okay. That's something what happened to her. Yeah. Okay. Yeah. Because because what I can do for you, if your main goal is just cover debt of $6.50, I can get quotes for and see letting you know, well, how much is it going to cost to reduce it to $6.50. Or I could do $7.50 if you want a bit extra. But if you are kind of like, I don't need it, I my only focus or my main focus is just covering that, and I'm happy to just have my main mortgage covered at $6.50, then I can go to to Cal and get quotes and put that together at $6.50 and let you know what the cost would be. Yeah. Yeah. Correct. Sorry. It would be it would be so the good within the type of cover you have, it is good. It's underwritten. With that, though, is that it's super easy to decrease the cover because insurance mind are taking on less risk. So they are quite happy to decrease. It's just a quick form. You you retain your policy, everything. You don't have to go through underwriting. It is literally a quick form to say that I would like to reduce my cover. The insurers are happy. The only thing I do wanna let you know is to make sure you are aware that if we decrease it down to $6.50, and let's say in two years' time, you buy three investment property and you change your mind and you're going, you know what? I think I want 1.1 again. It's going to potentially be hard to go up to that amount because by increasing it, the insurers are saying, well, we are now taking on more risk. So you have to go through the whole underwriting process again. And if anything has changed with your health, that can make it difficult to get new cover. So that is the only thing I do wanna let you know. If you're still quite quite comfortable to look at reducing life and TPD to six fifty, and that's your goal, then I can get those quotes for you. Yep. Yep. Okay. Okay. Okay. What I will have to do is I'll just have to check the structure of your policy. The reason I say that is sometimes when and this certificate of currency won't tell me I have to go a little bit deeper. But, essentially, often, we see your life and TPD as a linked policy. So what that means is that it links together. Yes. But what's then added to it is like so, typically, let's say, if you were to claim on TPD, for example, it'll cancel your life policy, but then within twelve months, life is reinstated. I need to triple check how your policy is set up if we can reduce because sometimes you can't have a higher amount of one of the others if it's linked, but I will find out for you. So, ideally, keep life as is, reduce PPD to six fifty, ideally, but I will triple check to make sure that's possible for you. And then yes. Mhmm. Yes. If the policy is set up that way, yes. I need to table check you all, but sometimes for affordability, that is how a lot of policies are. So the risk is if you were to claim TPD and then you were to pass away within twelve months, it could mean that you don't have a life insurance at all. Mhmm. Yes. Yeah. Perfect. Now with your income protection, you said you're quite comfortable with it. Obviously, because your income has gone up quite a bit from when your policy was taken out, you are quite underinsured in IP. That doesn't mean that you have to have it. Some people are comfortable with it. So IP is temporarily. So if you are temporarily unable to go back to work and it is an income replacement on a monthly basis, You have at the moment 4,001 173. Typically speaking, you can have 70% of your income. It means, obviously, it's gonna get more expensive if you increase it and underwriting and stuff like that. You said you're still quite comfortable with 4,173? Yep. Great. Perfect. You have a full week fair when it sorry. A full week waiting period and age 65 benefit. Still comfortable with that as well? Yep. Half. Yep. Because four weeks, it mean that you have to wait thirty days before you can start claiming on the income protection. And, typically, it's also paid thirty days in arrears. So that means about sixty days. Benefit period is how long you can be on claim for. So if something were to happen, the benefit is all the way up through the age of 65. Now, sorry, one thing I forgot to mention is when we do talking about the TPD is that if you get TPD under the age of 60, that lump sum can be taxed for up to 22%, including the 2% medical levy. So do you want me in the calculation to add, like, the seven the $6.50 and then add the tax to make sure that the net of everything you cover the mortgage? Yep. Correct. Perfect. Yep. Yes. Exactly. So it will be higher. But then at least now, if you are over 60, it's tax free. But, obviously, for the time being, while you're under 60, it will be potentially taxed. So I will include that for you. Now mhmm. Mhmm. Yep. Yep. Correct. Correct. So that is what what your insurer would pay out, and then tax would come out of that amount if you claim it while you're on the 60. So the tax would come out of that amount. Yep. Does that make sense? Yeah. Yeah. What do you mean by that? Sorry. Mhmm. Yep. There are this is there definitely. So, typically, what would happen is that doctors are quite reluctant sometimes in doing TPD because it means you are never going back to work. So, typically, what we see happening is that you would go in income protection first because it's a temporarily. If you can't go back temporarily, so you would go in income protection first, and then sometimes, you know, that continues to be paid out. And after that, if the doctor deemed that you still cannot go back to work and there are chances you'll never go back to work, then you typically see TPD. But most definitely, you can have if something severe happens and you could potentially claim on both, then, yes, we can do that for you. Yep. Yep. Now while we are obviously talking about insurances, I do see here that you don't have trauma insurance. Obviously, you're comfortable not having trauma. Yep. Great. Perfect. Now the other documents that was in there for you that we sent last week for you to have a look at, Basically, what we have gone through is just for your review for you to look at. There are two documents that if you are obviously happy with everything that we will need you to sign at some point, and that is the ongoing service agreement. That is just to say that you are happy to stay on as a client. It is not a locking contract in any point in time. So if at any point in time, you are not happy and you go, you know what? I don't want to stay on anymore. There is no locking contract. And it's also just a PSN, which is a compliance document just to say that we are keeping your tax on number six zero one safe on file. So when you have a moment, Jayesh, have a look through the documents. Any questions, let me know. Otherwise, have a look through them. If you're happy with everything, we'll need you to sign those documents. If you want to go through the SOA first, I can always include assignable documents along with it if you wanted to see that before you sign anything. Yep. No. It's it's just a continuation. So it's just that 1.65% from your super and no change. It's not increasing or anything like that. The only way that it was potentially decreasing is that if your partner decided that she wanted to come on board, because we would look after both of you, it would be reduced. So it would be cheaper at 1.1 for both of you. That would be the only change. Otherwise, it's not increasing from 1.65. Yep. Yes. Yeah. And that's perfectly yeah. And that's perfectly fine at the end of the day. It is always just a free review. You know, there's no pressure or anything. So that was basically everything that I needed to run through with you. So I got you booked in on Tuesday, April 21 at 10AM. Do you wanna remind the tech sent, like, an hour or two before the appointment just in case? Yes. Yep. Right. Great. Perfect. Yeah. Mm-mm. Yes. Yes. Correct. Correct. Yeah. Exactly. Yeah. Correct. Unless you take out some money if you do a compassionate ground claim or something like that, which you haven't done. But no. Yep. Otherwise, that would be those withdrawals. You obviously had the fees and and other stuff there as well. But, yeah, that would go through with the that was the the insurance for you. Yep. Perfect. Now do you have any other questions before I let you go this afternoon otherwise? No? Yes. Oh, good. Yeah. Perfect. Me too. I hope you have the rest of your afternoon, and I look forward to speaking with you on the '20 first. Alright. Thanks. 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afternoon. This is Jayesh? Hello? Can you hear me? Yeah.\n\nSorry. Is this Jayesh? Yeah. This is Veronica from ICU Financial. How are you?\n\nSure. Yes. Can you hear me okay? Yes. Perfect.\n\nI just had you booked in just to kind of finish off the annual review that we started last week, just the last couple of things. Now is still a good time for you? Yeah. Perfect. Now just before I do go any further, just like usual, just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.\n\nPerfect. And just to confirm I am speaking with the right person, just for security purposes, could you just confirm your full name, date of birth, and address, please? Yes. Perfect. That's exactly what I have here.\n\nAnd how's your day been so far? Been busy? Yeah. Well, I will try not to keep you for too long. Good news is we kind of did half of it last time, so it shouldn't take too much longer.\n\nBut before I kind of jump in through go over the stuff with you, did you have a chance to read through any of the documents? Did you have any questions with the SMA or any other thoughts, or did that kind of clarify some of the questions that you had last time? Yep. Oh, perfect. Yes.\n\nYeah. Great. Perfect. So, basically, kind of from from the call we started last time, from today, what I will do is I will go and do some more in-depth research in regards to your investment, especially seeing if we can swap some out that is, you know, underperforming a little bit to see if we can obviously put you in a better position and make sure that we always have you in the best investment possible for you. And it is important to do because, obviously, the market in the world is always changing.\n\nSo it's not something we just wanna leave you in forever. We do wanna keep update and reviewing it. So after the call today, I will go and do that research. From then, I will put a recommendation into a statement of advice for you where I will go through my recommendation. And then you can basically let me know what you think of the changes, if you're happy with them, if you're not making alterations or changes essentially from them.\n\nDoes that kind of make sense? Yep. Yep. Mhmm. Yep.\n\nYep. Better. Yeah. Yep. Mhmm.\n\nYeah. And it is also, you know, why we do wanna review it because, especially the the Bennelong one, when you did come on board and up until fairly recently, like we touched on, had done really well, which obviously contributed to the return. And, typically, in, you know, a a growth portfolio that we do have you invested in, we would see that you know, obviously, you never know what's going to happen in the world and the market. But typically speaking, the likelihood of a negative return is about one in every five years. So what we are seeing is, like, is not out of the norm for how the market would typically react.\n\nObviously, there's different situations and stuff like that. The biggest thing is, obviously, you don't want it to be a long term thing because then there could be more structural issues, obviously, with a different investment. So if for, you know, one period of time, it is not as great, Typically, it's not too much of a concern unless there's obviously underlying investment issues that we want to address. So from, like, looking at the portfolio as a whole, the biggest thing we did wanted to address was your Benelon investments, which is what I will focus on. I will review all of them for you to see if we do need to make changes elsewhere as well, but specifically focusing on that Benelon.\n\nAnd and part of the research as well is to kind of gauge what your comfortable level was in regards to the SMA. So the good thing with the SMA and how it was different, and I'm not sure if you've had too much time to read on it, is that because, obviously, the markets are changing rapidly and quickly. You know, there are things that it it can drop and fluctuate on a daily quite quickly. So the way that things are, because it's obviously so much compliant and legislation behind everything, also can make sure that you are fully informed and consented at all points in time. So with the SMA, the the way that it's different is that it allows us to make this quickly those changes quickly.\n\nBecause how it works is that you would be invested in a portfolio. And then in that portfolio, there's still, you know, heaps of underlying investments. So you would be invested in a particular portfolio. And then by doing so, it allows us along with BlackRock who we partnered up with to create the SMA is that we can very quickly make a change. We could just make a a quick change in the back end to let you know of any changes, but we wouldn't have to go through the whole SOA research process where you would have to, you know, book an appointment, go through the SOA, you to agree, and approve the changes before we can make a change, which sometimes can take a couple of weeks.\n\nBut on the other hand, some clients are more comfortable with, no. Okay. I'm I'm okay for it to take a little bit longer. I do wanna have the SOA. I do wanna have all of that, and I would like to agree to the changes before they happen.\n\nSo I do have some clients that goes both ways. Do you have a preference of what you prefer or what your thought process is on is SMA something you would be comfortable going down if it's going to put you in a better position or not really? It would be the research, but it would be potentially all of it if it is going to put you in a better position. If doing the research is not going to put you in a better position than what you currently have, then legally, I can't make that recommendation for you. It is just if by doing the research, it shows that, you know, the fees are lower, performance is better, and it gives us that flexibility with investment.\n\nOnly then would I make the recommendation, but it would mean that you would have slightly less oversight with the changes. If you'd go into Hub twenty four, you can still see all the underlying investment, but we could make a change in the back end, let you know of the change. So it's kind of a quicker process, but also something that you would have to be comfortable with. Some people think it's great because that means they don't have to be involved as much, and they still get updated of the changes. And it means because we can make the changes quicker, we can hopefully, you know, make changes before there is a bit of a market dip if we foresee something happening.\n\nBut some people are wanting that full transparency before a change. So, ultimately, it's up to where you are comfortable with. I can research both options and make a recommendation which one is better for you, but it's also what you are comfortable with. Yep. Mhmm.\n\nYeah. Okay. Yep. Yep. Yeah.\n\nThat's okay. No. That's okay. It was more the yes. Yeah.\n\nI did. So it was no. That's okay. It was more like the general. So it wasn't the underlying investment.\n\nI sent you two documents. One was a product disclosure statement. Basically let me see how many pages. 18 pages, and it's with hub 24. So it just talks a bit about, so basically, everything undone with the SMA itself.\n\nAnd then the second one was just to give you a bit more information on what an SMA is and the different portfolio. It doesn't show all the underlying investment, but it shows you the different portfolios that we have. So the different names of them. So we have, like, a balanced option, a growth option, a high growth option, and then a super high growth option. So it just gives you some general information.\n\nSo if it is that you are comfortable with to not you know, if you don't want to have that every time we need to make a change, we have to call you, go through the process, then I'll consider the estimate. But if you said that you want that oversight, then I won't do it. Okay. Okay. Yep.\n\nYep. In your own time? Yeah. Yeah. So Mhmm.\n\nA bit of both. Sorry. It would still be Hub twenty four. Is that still the best? So I'll still research Hub twenty four just to make sure that's still the best option for you when we are looking at everything.\n\nSo let's say if it is Hub twenty four, stay with Hub twenty four, then Hub 24 would be like your platform. So think of it as like your bank account. That's just what holds your money. Then Oakview, along with BlackRock, so we've partnered up together. Sorry.\n\nOakview's investment committee with BlackRock investment committee together structures the portfolio and manage, you know, the different investments and stuff like that. Yeah. Does that make sense? Yeah. Yeah.\n\nPerfect. Alright. So I will research both options for you anyway. I'll put them together for you. When I do go through the statement of advice, if it is that the SMA comes out better, they will also have more information on, like, the pros and cons of the SMA, all the fees, and stuff like that.\n\nSo you will have more information in the SMA if the SMA turns out to be better. If the other model portfolio turns out to be better, then I will recommend that for you. Yep. Mhmm. Yes.\n\nNo, sir. I would have to do all that research to see which one's going to be the best for you, but it will be in that document. So it depends which one. It depends on if you but I think from the last conversation, you said you're still quite comfortable in your growth portfolio. So similar risk volatility.\n\nSo I will look at your growth options and aim for that eighty twenty split. And then that one, I will, in the essay, show you. I will show you the performance. I can do, like, your twelve twelve month, three year, five years to give you all of it and then all the fees as well so that you can see the difference yourself. Yep.\n\nNow Yes. Yes. 100%. Yes. We always have to do it when we make any changes because I need to make sure that if I do make a proposed change, it will put you in a better position.\n\nOtherwise, I will say, no. What you have right now is the better option. So, yes, I definitely have to compare both options, and I'll do more options. So we have other portfolios as well, so I will compare a few different ones for you to make sure that whichever it is that I recommend will be the best for you. Yep.\n\nNow it will take me about ten days or so to get this sorted. So while I do have you on the phone, just to make sure I can, you know, prioritize it as well for you, I would like to book it in while I have you on the phone. Now when is typically best time for you? Okay. We can do the following week.\n\nMhmm. Yep. Which day is better for you typically? Yep. Yeah.\n\nLet me have a look here. I could do. If I do 09:00 my time, that's 10:00. Oh, wait. Hold on.\n\nWhen does no. Daylight savings ended. Oh, that's good. Yes. 09:00.\n\nWould that work? Yes. We can do let's do ten. 10:00. Okay.\n\nPerfect. And that's when I will actually send you the document, and we can go through it together. I'll obviously make sure you have time to read over it to make sure you are, you know, happy with everything. Take your time as well. So that is booked in on Tuesday, April 21 at 10AM.\n\nThe other just for me to finalize all of this for you, I do need to just quickly run through an updated fact line just to make sure that I have all your correct information and details so that I can do, you know, the advice and everything appropriately and correct for you. So bear with me as I go through this, and I'll try and do it as quickly as I can for you. Now I do have you down here as married with financial dependent. Is that still the case? Perfect.\n\nOccupation title as data consultant, still doing the same job? Okay. What's the occupation title? Sorry. Oh, perfect.\n\nAt the Rexta. Still within IT? Yeah. Perfect. And did your income change at all with that with the change?\n\nI have 265 including commission. Yep. Perfect. And then base income, I have 210. Yep.\n\nNow I do have here that you get employer contributions on the 210, so you're based and not on commissions. Is that correct? On commissions? Okay. Perfect.\n\nI will update that. Let's see here. Now that does take you over the cap. Do you know so employers are only required to pay contributions up to 30,000. If you go over that, some employers stop.\n\nThey don't pay more than 30 because they don't legally have to. Some employers do. Still go over. Do you know if your employer stops at 30,000? Because if your income is through a 165 and you get 12%, that's 31,800.\n\nOkay. Okay. Yeah. Okay. No.\n\nThat's okay. If you can find out for me, that would be good. That that would that would help their their research. If you don't know, I can always do two comparisons, one stopping at thirty and one exceeding. But if you can find out and just email it to me, that would be great.\n\nThat way I have the most up to date and correct information for you. Yep. Now, otherwise, aside from that, you are not making any additional contributions, are you? Mhmm. Mhmm.\n\nYep. Mhmm. Yep. Yes. So you you're kind of a little bit in a hard position with the tax and super because of the high income.\n\nSo the way that it is at the moment is that you are already exceeding that cap space. So so that would mean that any contributions over 30,000, you are already gonna have to pay the additional tax on you. You're not going to get the same tax savings. So making additional contributions through superannuation wouldn't be a tax saving because you've already reached the cap space. Mhmm.\n\nYes. Yes. Yes. So you can definitely make a bit of lump sum if you want to to reduce it. You definitely can.\n\nDo you know if you do have unused cap space, then, yes, that's the way that you can do it. Obviously, if your income will continue to be high, you will run out of that, obviously, eventually. But if at the moment you do have unused cap space, then that is a good way to do it. But like you said, it does mean that it is locked into superannuation until you meet a condition of release. So if, for example, you turn 60 and you stop working, it will be locked into that time.\n\nYeah. Oh, yeah. From a tax saving. Yeah. So tax is a bit tricky.\n\nSo we would obviously from from superannuation, tax savings, and stuff like that, most definitely, that would be the way. Otherwise, to make your tax bill less, it would be an account. So it is a little bit different, so they would be the best person to speak to when it comes to what deductions can you make and stuff like that to get that down as much as possible. Do you have a good account and stuff that you deal with? Right.\n\nYes. Yeah. Yeah. That will be because they were obviously licensed in that area, so they will be the best one when it's like, cool. What can we do?\n\nAnd do you have private health insurance? Great. Perfect. Because otherwise, especially with high income and that's a hospital as well? Yep.\n\nGreat. Perfect. Because that's another one sometimes where if you don't have it, then you will get the additional medical tax levy. So that is great that you have that in place already. Now assets and liabilities wise, let me see here.\n\nWhat are you guys renting at the moment? Okay. Perfect. Let me just update that here. And how much is that one valued at?\n\nYes, please. 1.1. Perfect. And do you know what the mortgage would be roughly? $6.50.\n\nAlright. Perfect. Do you have any investment properties or anything like that? Perfect. And how much would that one be valued at?\n\nYep. Six hundred? Perfect. And do you have a mortgage on that one as well? Two 42.\n\nAlright. Perfect. Motor vehicles? Yeah. And how much would that one be valued at, do you think?\n\n20? Okay. 18. Anything owing on it? No.\n\nPerfect. Any other motor vehicles or boats or bikes motorbikes or anything? Okay. Yeah. No.\n\nThat's okay. Do you have, like, other savings or any other assets in your name? Obviously, we have the investment bonds, but that's more obviously for your children. But any other assets? Yep.\n\n$1.50. Perfect. Now any other lie bill sorry? Yes. $1.60.\n\nPerfect. And which platform do you have that one on? Oh, yeah. Perfect. Any other assets, sorry, Jess?\n\nNo. Perfect. Any other liabilities, like personal loans or credit card or ZipPay? Mhmm. Okay.\n\nAnd is that one that you kind of pay off for points, or do you have about six owing on it? Okay. Perfect. Yeah. No.\n\nI wouldn't add that then. And health and lifestyle wise, have you down here as a nonsmoker? Yep. Perfect. Any changes to your health in the last twelve months?\n\nAny medications or injuries or anything? No? I just have no health no significant health issues. Okay. Perfect.\n\nAnd is that a type one, type two for diabetes? Is that insulin? Yep. Yes. It is.\n\nType one is when you're insulin dependent. Alright. Perfect. So that's the other one, which is good. And sorry.\n\nWhat was the other medication for? Did you say it was a blood pressure? Oh, sorry. I didn't hear. Yep.\n\nPerfect. Yeah. Great. But you haven't really had any issues with any of that in the last, you know, little while? Great.\n\nPerfect. Now when it comes to estate planning, do you guys have a will in place? No. That's okay. Do you have a, like, a power of attorney or anyone who makes any financial decisions on your behalf?\n\nNo. Perfect. And are you involved in politics, like politically exposed or a tax resident in any foreign jurisdiction? Mhmm. Okay.\n\nYeah. Okay. Yeah. Now that's there. Okay.\n\nYes. Okay. Do you and with the property, do you get, like, rent rental income or earn, like, income from there? Okay. Okay.\n\nGreat. Perfect. Yeah. No. That's separate then, which is good.\n\nNow, otherwise, when it comes to, I guess, goals and stuff that you are working towards that you are wanting to achieve, I have here that last time when we spoke to you, you were kind of focusing on first setting up the child investment and then just kind of focusing on growing your investment portfolio a little bit yourself. Maybe looking at another property down the track and maybe doing some traveling. Is that still kind of, I guess, your your main focus? Mhmm. Yeah.\n\nYep. The main thing? Yep. Yep. Perfect.\n\nNow I do have here as well when it comes to retirement that, ideally, you would like to retire at the age of 65 with a weekly income of about a thousand dollars per week. Is that still kind of the case for you, or do you think you wanna retire a bit earlier? No. Six six to five five. Yeah.\n\nOkay. Yes. Yep. Not too much. No.\n\nIf you were to kind of your your goals today, would you say, like, 1,500, 3,000, what would be, like, okay. 1,500? Great. Perfect. I will update that.\n\nNow the other thing is just with the documents that I did send you last time, when you have a moment, have a read over them as well. Most of them, we kind of touched on, which was, like, your Vanguard index chart and their performance. Another one is your tal insurances. So you have about 1.1 so this will be detailed in the SOA for you anyway, but you have about 1.1 worth of life and total permanent disability insurance. Are you quite happy with that level of cover and stuff like that?\n\nYep. Mhmm. Yep. Mhmm. Yep.\n\nYep. Yeah. So TPD is one of those tricky one where it's like, I think it's always good to have if it's affordable and depending on what your goals are. So typically speaking, it's very individually through your family situation. So TPD is obviously totally and permanently disabled.\n\nNow, obviously, like you said, if you are in a super high risk occupation, sometimes the insurance won't even give you cover, but the the chances of something happening at work is higher. TPD isn't just related to work. So that is totally and permanently disabled. So if anything were to happen to you, after you got your policy put in force and you are unable to work now that could be, an illness, a diagnosis. It could be, let's say, if you are in a car accident.\n\nLet's say you you break your back or something and you you can't work. Let's say if there will be any, you know, mental stuff, can't mean that you cannot do your job. Let's say if you take off a super risky occupation, let's say you do skydiving or, you know, off mountain climbing or whatever it might be, and something happens to you and you cannot go back to work, that's when the TPD is really helpful for. So for a lot of the clients, the TPD is sometimes more important than life cover because TPD means that you will still be around, but you can't work. So all the costs and stuff like that would still be around.\n\nSometimes there's more cost associated because if you can't work, is there any you know, you need to make a modifications to the home. Do you need any, you know, more medical bills and stuff like that? That's what the TPD is typically for. So that is if you are unable to go back to work permanently. Now if something were to happen like that, you could get your superannuation paid out as well, but that would obviously only get you so long.\n\nThen it would be gone. So PPD, generally speaking, I think, is very important, especially if you have younger children and you, you know, wanna make sure that you can continue to support them, continue to oversee assist with bills and expenses. But it also depends on your, obviously, your your wife. Can you guys survive on her income alone if you cannot work, if you can never go back to work? Or do you are you quite dependent on your income as well?\n\nYep. Yes. That yeah. Oh, and it is very good. So so PPD and IP have different functions.\n\nSo if we just focus on PPD for now, then we're going to income protection. TPD will be a lump sum payment. So that is a lump sum payment paid directly to you. You obviously have to make that last, and you only get that while you have through doctors sign off on the fact that you are never able to go back to work again. So it is a little bit harder to climb on on that way, especially if you have a desktop like you said, but there can be different reasons why you can't go back to work.\n\nNow when it comes to the level of cover of what's appropriate, it comes down to what your specific goals are. So, for example, some people, as a starting point, go, well, if something were to happen to me, I would actually make sure that all my debts paid out. So the mortgage is not there. So then at least if I'm not working, the the, you know, living expenses might be fine on my partner's income. But at least the mortgage is cleared off, so that's not, you know, hanging over me, so we have to move.\n\nSome people want okay. Well, I want my investment property also paid off because then that means that we can potentially keep the investment property, get rental income, and we, again, don't have that. Some people, if they have other debts, they want that paid off. Some people want okay. Well, if I can't work, I want five or ten years worth of my income replacement because I can never go back to work.\n\nSome people go, okay. Well, I wanna make sure that if, let's say, the depending on what the school arrangement is, if you have private if you're wanting to look at private schools. Okay. Well, at the moment, private schools, let's say, is 10,000 a year, and the kids have, you know, five years left of school, then I wanna make sure I have, you know, 50,000 put aside to cover school fees. There's probably a lot of information, but in terms of how appropriate the cover is, it comes down to what you want to have happen if something were to happen to you.\n\nYeah. So I can part of part of reviewing their super, I can definitely review it for you. And in reviewing that and looking at, okay. Do you have too much? Do you wanna reduce it?\n\nIt's finding out, okay. Well, I can do all the math for you, but what is important to you? So if you tell me what you want to have covered, if something were to happen to me, then I can do the math and see if I can get some quotes accordingly. Yep. Yes.\n\nYep. Yep. Yep. Mhmm. Yep.\n\nJust the desk. Yep. Yep. Okay. Mhmm.\n\nYes. Yep. Mhmm. Mhmm. Okay.\n\nThat's something what happened to her. Yeah. Okay. Yeah. Because because what I can do for you, if your main goal is just cover debt of $6.50, I can get quotes for and see letting you know, well, how much is it going to cost to reduce it to $6.50.\n\nOr I could do $7.50 if you want a bit extra. But if you are kind of like, I don't need it, I my only focus or my main focus is just covering that, and I'm happy to just have my main mortgage covered at $6.50, then I can go to to Cal and get quotes and put that together at $6.50 and let you know what the cost would be. Yeah. Yeah. Correct.\n\nSorry. It would be it would be so the good within the type of cover you have, it is good. It's underwritten. With that, though, is that it's super easy to decrease the cover because insurance mind are taking on less risk. So they are quite happy to decrease.\n\nIt's just a quick form. You you retain your policy, everything. You don't have to go through underwriting. It is literally a quick form to say that I would like to reduce my cover. The insurers are happy.\n\nThe only thing I do wanna let you know is to make sure you are aware that if we decrease it down to $6.50, and let's say in two years' time, you buy three investment property and you change your mind and you're going, you know what? I think I want 1.1 again. It's going to potentially be hard to go up to that amount because by increasing it, the insurers are saying, well, we are now taking on more risk. So you have to go through the whole underwriting process again. And if anything has changed with your health, that can make it difficult to get new cover.\n\nSo that is the only thing I do wanna let you know. If you're still quite quite comfortable to look at reducing life and TPD to six fifty, and that's your goal, then I can get those quotes for you. Yep. Yep. Okay.\n\nOkay. Okay. What I will have to do is I'll just have to check the structure of your policy. The reason I say that is sometimes when and this certificate of currency won't tell me I have to go a little bit deeper. But, essentially, often, we see your life and TPD as a linked policy.\n\nSo what that means is that it links together. Yes. But what's then added to it is like so, typically, let's say, if you were to claim on TPD, for example, it'll cancel your life policy, but then within twelve months, life is reinstated. I need to triple check how your policy is set up if we can reduce because sometimes you can't have a higher amount of one of the others if it's linked, but I will find out for you. So, ideally, keep life as is, reduce PPD to six fifty, ideally, but I will triple check to make sure that's possible for you.\n\nAnd then yes. Mhmm. Yes. If the policy is set up that way, yes. I need to table check you all, but sometimes for affordability, that is how a lot of policies are.\n\nSo the risk is if you were to claim TPD and then you were to pass away within twelve months, it could mean that you don't have a life insurance at all. Mhmm. Yes. Yeah. Perfect.\n\nNow with your income protection, you said you're quite comfortable with it. Obviously, because your income has gone up quite a bit from when your policy was taken out, you are quite underinsured in IP. That doesn't mean that you have to have it. Some people are comfortable with it. So IP is temporarily.\n\nSo if you are temporarily unable to go back to work and it is an income replacement on a monthly basis, You have at the moment 4,001 173. Typically speaking, you can have 70% of your income. It means, obviously, it's gonna get more expensive if you increase it and underwriting and stuff like that. You said you're still quite comfortable with 4,173? Yep.\n\nGreat. Perfect. You have a full week fair when it sorry. A full week waiting period and age 65 benefit. Still comfortable with that as well?\n\nYep. Half. Yep. Because four weeks, it mean that you have to wait thirty days before you can start claiming on the income protection. And, typically, it's also paid thirty days in arrears.\n\nSo that means about sixty days. Benefit period is how long you can be on claim for. So if something were to happen, the benefit is all the way up through the age of 65. Now, sorry, one thing I forgot to mention is when we do talking about the TPD is that if you get TPD under the age of 60, that lump sum can be taxed for up to 22%, including the 2% medical levy. So do you want me in the calculation to add, like, the seven the $6.50 and then add the tax to make sure that the net of everything you cover the mortgage?\n\nYep. Correct. Perfect. Yep. Yes.\n\nExactly. So it will be higher. But then at least now, if you are over 60, it's tax free. But, obviously, for the time being, while you're under 60, it will be potentially taxed. So I will include that for you.\n\nNow mhmm. Mhmm. Yep. Yep. Correct.\n\nCorrect. So that is what what your insurer would pay out, and then tax would come out of that amount if you claim it while you're on the 60. So the tax would come out of that amount. Yep. Does that make sense?\n\nYeah. Yeah. What do you mean by that? Sorry. Mhmm.\n\nYep. There are this is there definitely. So, typically, what would happen is that doctors are quite reluctant sometimes in doing TPD because it means you are never going back to work. So, typically, what we see happening is that you would go in income protection first because it's a temporarily. If you can't go back temporarily, so you would go in income protection first, and then sometimes, you know, that continues to be paid out.\n\nAnd after that, if the doctor deemed that you still cannot go back to work and there are chances you'll never go back to work, then you typically see TPD. But most definitely, you can have if something severe happens and you could potentially claim on both, then, yes, we can do that for you. Yep. Yep. Now while we are obviously talking about insurances, I do see here that you don't have trauma insurance.\n\nObviously, you're comfortable not having trauma. Yep. Great. Perfect. Now the other documents that was in there for you that we sent last week for you to have a look at, Basically, what we have gone through is just for your review for you to look at.\n\nThere are two documents that if you are obviously happy with everything that we will need you to sign at some point, and that is the ongoing service agreement. That is just to say that you are happy to stay on as a client. It is not a locking contract in any point in time. So if at any point in time, you are not happy and you go, you know what? I don't want to stay on anymore.\n\nThere is no locking contract. And it's also just a PSN, which is a compliance document just to say that we are keeping your tax on number six zero one safe on file. So when you have a moment, Jayesh, have a look through the documents. Any questions, let me know. Otherwise, have a look through them.\n\nIf you're happy with everything, we'll need you to sign those documents. If you want to go through the SOA first, I can always include assignable documents along with it if you wanted to see that before you sign anything. Yep. No. It's it's just a continuation.\n\nSo it's just that 1.65% from your super and no change. It's not increasing or anything like that. The only way that it was potentially decreasing is that if your partner decided that she wanted to come on board, because we would look after both of you, it would be reduced. So it would be cheaper at 1.1 for both of you. That would be the only change.\n\nOtherwise, it's not increasing from 1.65. Yep. Yes. Yeah. And that's perfectly yeah.\n\nAnd that's perfectly fine at the end of the day. It is always just a free review. You know, there's no pressure or anything. So that was basically everything that I needed to run through with you. So I got you booked in on Tuesday, April 21 at 10AM.\n\nDo you wanna remind the tech sent, like, an hour or two before the appointment just in case? Yes. Yep. Right. Great.\n\nPerfect. Yeah. Mm-mm. Yes. Yes.\n\nCorrect. Correct. Yeah. Exactly. Yeah.\n\nCorrect. Unless you take out some money if you do a compassionate ground claim or something like that, which you haven't done. But no. Yep. Otherwise, that would be those withdrawals.\n\nYou obviously had the fees and and other stuff there as well. But, yeah, that would go through with the that was the the insurance for you. Yep. Perfect. Now do you have any other questions before I let you go this afternoon otherwise?\n\nNo? Yes. Oh, good. Yeah. Perfect.\n\nMe too. I hope you have the rest of your afternoon, and I look forward to speaking with you on the '20 first. Alright. Thanks. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":3.4399998,"end":4.08,"sentiment":"neutral","sentiment_score":0.16595089435577393},{"text":"This is Jayesh?","start":4.08,"end":4.98,"sentiment":"neutral","sentiment_score":0.06790841619173686},{"text":"Hello?","start":8.16,"end":8.639999,"sentiment":"neutral","sentiment_score":-0.021790161728858948},{"text":"Can you hear me?","start":8.639999,"end":9.62,"sentiment":"neutral","sentiment_score":-0.031283422373235226},{"text":"Yeah.","start":11.2,"end":11.5199995,"sentiment":"neutral","sentiment_score":-0.004273397382348776}],"sentiment":"neutral","sentiment_score":0.034948162607509985,"num_words":11,"start":3.4399998,"end":11.5199995},{"sentences":[{"text":"Sorry.","start":11.5199995,"end":11.84,"sentiment":"neutral","sentiment_score":-0.021867170929908752},{"text":"Is this Jayesh?","start":11.84,"end":12.66,"sentiment":"neutral","sentiment_score":0.010301657176266113},{"text":"Yeah.","start":14.075,"end":14.315,"sentiment":"neutral","sentiment_score":0.05383956432342529},{"text":"This is Veronica from ICU Financial.","start":14.315,"end":16.415,"sentiment":"neutral","sentiment_score":0.08313549061616261},{"text":"How are you?","start":16.475,"end":17.295,"sentiment":"neutral","sentiment_score":0.08740117649237315}],"sentiment":"neutral","sentiment_score":0.05884955986402929,"num_words":14,"start":11.5199995,"end":17.295},{"sentences":[{"text":"Sure.","start":21.035,"end":21.535,"sentiment":"neutral","sentiment_score":0.06244892627000809},{"text":"Yes.","start":29.13,"end":29.609999,"sentiment":"neutral","sentiment_score":0.01564582996070385},{"text":"Can you hear me okay?","start":29.609999,"end":30.829998,"sentiment":"neutral","sentiment_score":0.015147809684276582},{"text":"Yes.","start":31.849998,"end":32.35,"sentiment":"neutral","sentiment_score":0.19518212974071503},{"text":"Perfect.","start":32.41,"end":32.91,"sentiment":"positive","sentiment_score":0.5620443820953369}],"sentiment":"neutral","sentiment_score":0.10122892405423853,"num_words":9,"start":21.035,"end":32.91},{"sentences":[{"text":"I just had you booked in just to kind of finish off the annual review that we started last week, just the last couple of things.","start":33.77,"end":41.025,"sentiment":"positive","sentiment_score":0.35656202183319974},{"text":"Now is still a good time for you?","start":42.065002,"end":43.605003,"sentiment":"positive","sentiment_score":0.3617389388382435},{"text":"Yeah.","start":45.025,"end":45.525,"sentiment":"positive","sentiment_score":0.4066203832626343},{"text":"Perfect.","start":45.585003,"end":46.085003,"sentiment":"positive","sentiment_score":0.4742631912231446},{"text":"Now just before I do go any further, just like usual, just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":46.945,"end":55.365,"sentiment":"neutral","sentiment_score":0.08936585029286723}],"sentiment":"neutral","sentiment_score":0.23605595540199706,"num_words":67,"start":33.77,"end":55.365},{"sentences":[{"text":"Perfect.","start":57.81,"end":58.31,"sentiment":"positive","sentiment_score":0.34178340435028076},{"text":"And just to confirm I am speaking with the right person, just for security purposes, could you just confirm your full name, date of birth, and address, please?","start":58.45,"end":67.51,"sentiment":"neutral","sentiment_score":0.13548800854810647},{"text":"Yes.","start":75.725,"end":76.125,"sentiment":"neutral","sentiment_score":0.19399532675743103},{"text":"Perfect.","start":76.125,"end":76.445,"sentiment":"positive","sentiment_score":0.462111234664917},{"text":"That's exactly what I have here.","start":76.445,"end":77.884995,"sentiment":"positive","sentiment_score":0.524700865149498}],"sentiment":"neutral","sentiment_score":0.21458809178423238,"num_words":37,"start":57.81,"end":77.884995},{"sentences":[{"text":"And how's your day been so far?","start":77.884995,"end":79.405,"sentiment":"neutral","sentiment_score":0.1435216718486377},{"text":"Been busy?","start":79.405,"end":80.145,"sentiment":"neutral","sentiment_score":0.009752467274665833},{"text":"Yeah.","start":83.38,"end":83.619995,"sentiment":"neutral","sentiment_score":0.1181340590119362},{"text":"Well, I will try not to keep you for too long.","start":83.619995,"end":86.439995,"sentiment":"neutral","sentiment_score":0.028552389280362564},{"text":"Good news is we kind of did half of it last time, so it shouldn't take too much longer.","start":87.14,"end":91.88,"sentiment":"neutral","sentiment_score":0.2533965204891406}],"sentiment":"neutral","sentiment_score":0.15677252169698477,"num_words":40,"start":77.884995,"end":91.88},{"sentences":[{"text":"But before I kind of jump in through go over the stuff with you, did you have a chance to read through any of the documents?","start":92.579994,"end":100.715004,"sentiment":"neutral","sentiment_score":0.056792252482129976},{"text":"Did you have any questions with the SMA or any other thoughts, or did that kind of clarify some of the questions that you had last time?","start":100.715004,"end":109.695,"sentiment":"neutral","sentiment_score":0.046377662707258155},{"text":"Yep.","start":121.03,"end":121.53,"sentiment":"neutral","sentiment_score":0.09496161341667177},{"text":"Oh, perfect.","start":121.75,"end":122.65,"sentiment":"neutral","sentiment_score":0.26282691210508347},{"text":"Yes.","start":125.155,"end":125.655,"sentiment":"neutral","sentiment_score":0.1509110927581787}],"sentiment":"neutral","sentiment_score":0.061409157684497666,"num_words":57,"start":92.579994,"end":125.655},{"sentences":[{"text":"Yeah.","start":126.115,"end":126.435,"sentiment":"neutral","sentiment_score":0.22271880507469177},{"text":"Great.","start":126.435,"end":126.755,"sentiment":"neutral","sentiment_score":0.3196795582771301},{"text":"Perfect.","start":126.755,"end":127.255,"sentiment":"positive","sentiment_score":0.683600664138794},{"text":"So, basically, kind of from from the call we started last time, from today, what I will do is I will go and do some more in-depth research in regards to your investment, especially seeing if we can swap some out that is, you know, underperforming a little bit to see if we can obviously put you in a better position and make sure that we always have you in the best investment possible for you.","start":127.475,"end":147.79,"sentiment":"neutral","sentiment_score":0.15821540140007673},{"text":"And it is important to do because, obviously, the market in the world is always changing.","start":148.01,"end":152.18999,"sentiment":"neutral","sentiment_score":0.05092152068391442}],"sentiment":"neutral","sentiment_score":0.1480538301562008,"num_words":95,"start":126.115,"end":152.18999},{"sentences":[{"text":"So it's not something we just wanna leave you in forever.","start":152.755,"end":155.315,"sentiment":"neutral","sentiment_score":0.004345428537238728},{"text":"We do wanna keep update and reviewing it.","start":155.315,"end":157.815,"sentiment":"neutral","sentiment_score":0.22410743311047554},{"text":"So after the call today, I will go and do that research.","start":157.875,"end":161.575,"sentiment":"neutral","sentiment_score":0.2235490083694458},{"text":"From then, I will put a recommendation into a statement of advice for you where I will go through my recommendation.","start":162.195,"end":168.87001,"sentiment":"neutral","sentiment_score":0.24632321581954048},{"text":"And then you can basically let me know what you think of the changes, if you're happy with them, if you're not making alterations or changes essentially from them.","start":170.21,"end":178.31,"sentiment":"neutral","sentiment_score":0.22921115134296746}],"sentiment":"neutral","sentiment_score":0.20176738518991588,"num_words":81,"start":152.755,"end":178.31},{"sentences":[{"text":"Does that kind of make sense?","start":178.37001,"end":179.91,"sentiment":"neutral","sentiment_score":0.05842602097739776},{"text":"Yep.","start":182.195,"end":182.675,"sentiment":"neutral","sentiment_score":0.02358144149184227},{"text":"Yep.","start":182.675,"end":183.175,"sentiment":"neutral","sentiment_score":0.023516010493040085},{"text":"Mhmm.","start":192.195,"end":192.695,"sentiment":"neutral","sentiment_score":-0.13592413067817688},{"text":"Yep.","start":196.04001,"end":196.54001,"sentiment":"neutral","sentiment_score":-0.02523658238351345}],"sentiment":"neutral","sentiment_score":0.02364928647875786,"num_words":10,"start":178.37001,"end":196.54001},{"sentences":[{"text":"Yep.","start":196.68001,"end":197.18001,"sentiment":"neutral","sentiment_score":-0.01892056129872799},{"text":"Better.","start":201.96,"end":202.46,"sentiment":"neutral","sentiment_score":-0.02012788318097591},{"text":"Yeah.","start":203.16,"end":203.66,"sentiment":"neutral","sentiment_score":-0.03780646622180939},{"text":"Yep.","start":204.36,"end":204.86,"sentiment":"neutral","sentiment_score":-0.14774583280086517},{"text":"Mhmm.","start":206.085,"end":206.585,"sentiment":"neutral","sentiment_score":-0.13539615273475647}],"sentiment":"neutral","sentiment_score":-0.07199937924742698,"num_words":5,"start":196.68001,"end":206.585},{"sentences":[{"text":"Yeah.","start":209.765,"end":210.265,"sentiment":"neutral","sentiment_score":-0.04554937034845352},{"text":"And it is also, you know, why we do wanna review it because, especially the the Bennelong one, when you did come on board and up until fairly recently, like we touched on, had done really well, which obviously contributed to the return.","start":210.32501,"end":222.56,"sentiment":"neutral","sentiment_score":0.007728605639449385},{"text":"And, typically, in, you know, a a growth portfolio that we do have you invested in, we would see that you know, obviously, you never know what's going to happen in the world and the market.","start":223.66,"end":233.66,"sentiment":"neutral","sentiment_score":-0.08869792169166936},{"text":"But typically speaking, the likelihood of a negative return is about one in every five years.","start":233.66,"end":240.245,"sentiment":"neutral","sentiment_score":-0.236323659773916},{"text":"So what we are seeing is, like, is not out of the norm for how the market would typically react.","start":240.545,"end":245.92499,"sentiment":"neutral","sentiment_score":-0.1380450904369354}],"sentiment":"neutral","sentiment_score":-0.08145193856787579,"num_words":116,"start":209.765,"end":245.92499},{"sentences":[{"text":"Obviously, there's different situations and stuff like that.","start":246.22499,"end":249.045,"sentiment":"neutral","sentiment_score":-0.08775741141289473},{"text":"The biggest thing is, obviously, you don't want it to be a long term thing because then there could be more structural issues, obviously, with a different investment.","start":249.33,"end":255.98999,"sentiment":"neutral","sentiment_score":-0.22959667311183043},{"text":"So if for, you know, one period of time, it is not as great, Typically, it's not too much of a concern unless there's obviously underlying investment issues that we want to address.","start":256.37,"end":268.315,"sentiment":"neutral","sentiment_score":-0.1929708036283652},{"text":"So from, like, looking at the portfolio as a whole, the biggest thing we did wanted to address was your Benelon investments, which is what I will focus on.","start":268.935,"end":277.25998,"sentiment":"neutral","sentiment_score":0.15717834696687502},{"text":"I will review all of them for you to see if we do need to make changes elsewhere as well, but specifically focusing on that Benelon.","start":277.25998,"end":285.84,"sentiment":"neutral","sentiment_score":0.16320653689595369}],"sentiment":"neutral","sentiment_score":-0.0378811341680346,"num_words":124,"start":246.22499,"end":285.84},{"sentences":[{"text":"And and part of the research as well is to kind of gauge what your comfortable level was in regards to the SMA.","start":285.9,"end":293.345,"sentiment":"neutral","sentiment_score":0.16146636981031168},{"text":"So the good thing with the SMA and how it was different, and I'm not sure if you've had too much time to read on it, is that because, obviously, the markets are changing rapidly and quickly.","start":293.48502,"end":303.825,"sentiment":"positive","sentiment_score":0.34046593630636063},{"text":"You know, there are things that it it can drop and fluctuate on a daily quite quickly.","start":304.12997,"end":308.55,"sentiment":"neutral","sentiment_score":0.06784304056097479},{"text":"So the way that things are, because it's obviously so much compliant and legislation behind everything, also can make sure that you are fully informed and consented at all points in time.","start":308.84998,"end":319.03,"sentiment":"positive","sentiment_score":0.4096380202099681},{"text":"So with the SMA, the the way that it's different is that it allows us to make this quickly those changes quickly.","start":319.485,"end":327.585,"sentiment":"positive","sentiment_score":0.5308633189309727}],"sentiment":"neutral","sentiment_score":0.32253211833366,"num_words":131,"start":285.9,"end":327.585},{"sentences":[{"text":"Because how it works is that you would be invested in a portfolio.","start":328.125,"end":332.305,"sentiment":"positive","sentiment_score":0.38516611090073216},{"text":"And then in that portfolio, there's still, you know, heaps of underlying investments.","start":333.38,"end":337.56,"sentiment":"neutral","sentiment_score":0.2681270276124661},{"text":"So you would be invested in a particular portfolio.","start":337.62,"end":340.12,"sentiment":"positive","sentiment_score":0.36699755324257743},{"text":"And then by doing so, it allows us along with BlackRock who we partnered up with to create the SMA is that we can very quickly make a change.","start":340.74002,"end":350.255,"sentiment":"positive","sentiment_score":0.5035701293883652},{"text":"We could just make a a quick change in the back end to let you know of any changes, but we wouldn't have to go through the whole SOA research process where you would have to, you know, book an appointment, go through the SOA, you to agree, and approve the changes before we can make a change, which sometimes can take a couple of weeks.","start":350.255,"end":371.23,"sentiment":"neutral","sentiment_score":0.10641996839055509}],"sentiment":"neutral","sentiment_score":0.25710031112226156,"num_words":130,"start":328.125,"end":371.23},{"sentences":[{"text":"But on the other hand, some clients are more comfortable with, no.","start":372.16998,"end":376.225,"sentiment":"neutral","sentiment_score":-0.05593016495307287},{"text":"Okay.","start":376.225,"end":376.545,"sentiment":"neutral","sentiment_score":0.03127554804086685},{"text":"I'm I'm okay for it to take a little bit longer.","start":376.545,"end":379.045,"sentiment":"neutral","sentiment_score":0.026144226589663463},{"text":"I do wanna have the SOA.","start":379.505,"end":381.105,"sentiment":"neutral","sentiment_score":0.272011399269104},{"text":"I do wanna have all of that, and I would like to agree to the changes before they happen.","start":381.105,"end":385.285,"sentiment":"positive","sentiment_score":0.3519150818649091}],"sentiment":"neutral","sentiment_score":0.16257459208445282,"num_words":49,"start":372.16998,"end":385.285},{"sentences":[{"text":"So I do have some clients that goes both ways.","start":385.825,"end":388.41,"sentiment":"neutral","sentiment_score":0.14493317008018494},{"text":"Do you have a preference of what you prefer or what your thought process is on is SMA something you would be comfortable going down if it's going to put you in a better position or not really?","start":388.81,"end":400.59,"sentiment":"neutral","sentiment_score":0.08157368058240727},{"text":"It would be the research, but it would be potentially all of it if it is going to put you in a better position.","start":409.125,"end":416.16,"sentiment":"neutral","sentiment_score":0.11330329083527128},{"text":"If doing the research is not going to put you in a better position than what you currently have, then legally, I can't make that recommendation for you.","start":416.16,"end":423.46,"sentiment":"neutral","sentiment_score":-0.11902275388794285},{"text":"It is just if by doing the research, it shows that, you know, the fees are lower, performance is better, and it gives us that flexibility with investment.","start":423.59998,"end":432.445,"sentiment":"neutral","sentiment_score":0.1969189401715994}],"sentiment":"neutral","sentiment_score":0.07382424811657984,"num_words":128,"start":385.825,"end":432.445},{"sentences":[{"text":"Only then would I make the recommendation, but it would mean that you would have slightly less oversight with the changes.","start":432.905,"end":440.445,"sentiment":"neutral","sentiment_score":0.08332498903785433},{"text":"If you'd go into Hub twenty four, you can still see all the underlying investment, but we could make a change in the back end, let you know of the change.","start":440.93,"end":448.95,"sentiment":"neutral","sentiment_score":0.16805426103453483},{"text":"So it's kind of a quicker process, but also something that you would have to be comfortable with.","start":449.89,"end":454.785,"sentiment":"neutral","sentiment_score":0.20447026524278852},{"text":"Some people think it's great because that means they don't have to be involved as much, and they still get updated of the changes.","start":455.345,"end":461.525,"sentiment":"positive","sentiment_score":0.48790348693728447},{"text":"And it means because we can make the changes quicker, we can hopefully, you know, make changes before there is a bit of a market dip if we foresee something happening.","start":461.905,"end":471.85,"sentiment":"positive","sentiment_score":0.36746642546307656}],"sentiment":"neutral","sentiment_score":0.26992891609668734,"num_words":125,"start":432.905,"end":471.85},{"sentences":[{"text":"But some people are wanting that full transparency before a change.","start":471.99,"end":476.09,"sentiment":"neutral","sentiment_score":0.1375451304695823},{"text":"So, ultimately, it's up to where you are comfortable with.","start":476.15,"end":478.63,"sentiment":"neutral","sentiment_score":0.33019292503595354},{"text":"I can research both options and make a recommendation which one is better for you, but it's also what you are comfortable with.","start":478.63,"end":488.685,"sentiment":"neutral","sentiment_score":0.28159201242353604},{"text":"Yep.","start":492.025,"end":492.525,"sentiment":"neutral","sentiment_score":0.07651875913143158},{"text":"Mhmm.","start":495.48,"end":495.98,"sentiment":"neutral","sentiment_score":-0.01993283629417419}],"sentiment":"neutral","sentiment_score":0.24669843248051146,"num_words":46,"start":471.99,"end":495.98},{"sentences":[{"text":"Yeah.","start":497.56,"end":498.06,"sentiment":"neutral","sentiment_score":0.02470090612769127},{"text":"Okay.","start":498.44,"end":498.94,"sentiment":"neutral","sentiment_score":0.06923994421958923},{"text":"Yep.","start":505.0,"end":505.5,"sentiment":"neutral","sentiment_score":0.0013435955625027418},{"text":"Yep.","start":507.33502,"end":507.83502,"sentiment":"neutral","sentiment_score":0.019818786531686783},{"text":"Yeah.","start":512.775,"end":513.275,"sentiment":"neutral","sentiment_score":-0.02379709482192993}],"sentiment":"neutral","sentiment_score":0.01826122752390802,"num_words":5,"start":497.56,"end":513.275},{"sentences":[{"text":"That's okay.","start":517.655,"end":518.395,"sentiment":"neutral","sentiment_score":-0.00976918451488018},{"text":"No.","start":518.695,"end":519.015,"sentiment":"neutral","sentiment_score":-0.15442445874214172},{"text":"That's okay.","start":519.015,"end":519.835,"sentiment":"neutral","sentiment_score":-0.09191614389419556},{"text":"It was more the yes.","start":520.56,"end":523.54004,"sentiment":"neutral","sentiment_score":-0.05331311412155628},{"text":"Yeah.","start":523.68,"end":524.0,"sentiment":"neutral","sentiment_score":0.008588941767811775}],"sentiment":"neutral","sentiment_score":-0.055979249490932984,"num_words":11,"start":517.655,"end":524.0},{"sentences":[{"text":"I did.","start":524.0,"end":524.48004,"sentiment":"neutral","sentiment_score":0.03704764507710934},{"text":"So it was no.","start":524.48004,"end":525.52,"sentiment":"neutral","sentiment_score":-0.10901672765612602},{"text":"That's okay.","start":525.52,"end":526.0,"sentiment":"neutral","sentiment_score":-0.05996685475111008},{"text":"It was more like the general.","start":526.0,"end":527.2,"sentiment":"neutral","sentiment_score":-0.03066924400627613},{"text":"So it wasn't the underlying investment.","start":527.2,"end":528.88,"sentiment":"neutral","sentiment_score":-0.04678273076812426}],"sentiment":"neutral","sentiment_score":-0.047330858930945394,"num_words":20,"start":524.0,"end":528.88},{"sentences":[{"text":"I sent you two documents.","start":528.88,"end":530.18,"sentiment":"neutral","sentiment_score":0.012951270490884782},{"text":"One was a product disclosure statement.","start":530.96,"end":533.3,"sentiment":"neutral","sentiment_score":0.022955794197817642},{"text":"Basically let me see how many pages.","start":534.53503,"end":536.875,"sentiment":"neutral","sentiment_score":0.010496444467987334},{"text":"18 pages, and it's with hub 24.","start":536.93506,"end":541.41504,"sentiment":"neutral","sentiment_score":0.015436274664742606},{"text":"So it just talks a bit about, so basically, everything undone with the SMA itself.","start":541.41504,"end":546.47504,"sentiment":"neutral","sentiment_score":0.02187370533744494}],"sentiment":"neutral","sentiment_score":0.017803143290802837,"num_words":40,"start":528.88,"end":546.47504},{"sentences":[{"text":"And then the second one was just to give you a bit more information on what an SMA is and the different portfolio.","start":547.11,"end":553.21,"sentiment":"neutral","sentiment_score":0.043363331290690796},{"text":"It doesn't show all the underlying investment, but it shows you the different portfolios that we have.","start":554.31,"end":560.84503,"sentiment":"neutral","sentiment_score":0.039698388482279634},{"text":"So the different names of them.","start":561.22504,"end":562.745,"sentiment":"neutral","sentiment_score":0.04386413283646107},{"text":"So we have, like, a balanced option, a growth option, a high growth option, and then a super high growth option.","start":562.745,"end":568.205,"sentiment":"neutral","sentiment_score":0.13241017219566165},{"text":"So it just gives you some general information.","start":568.265,"end":570.365,"sentiment":"neutral","sentiment_score":0.13646141299977899}],"sentiment":"neutral","sentiment_score":0.07743625254680712,"num_words":75,"start":547.11,"end":570.365},{"sentences":[{"text":"So if it is that you are comfortable with to not you know, if you don't want to have that every time we need to make a change, we have to call you, go through the process, then I'll consider the estimate.","start":570.505,"end":580.8,"sentiment":"neutral","sentiment_score":-0.051294002238483655},{"text":"But if you said that you want that oversight, then I won't do it.","start":580.8,"end":584.98,"sentiment":"negative","sentiment_score":-0.4193181406174387},{"text":"Okay.","start":596.255,"end":596.41504,"sentiment":"neutral","sentiment_score":0.02992263995110989},{"text":"Okay.","start":596.41504,"end":596.91504,"sentiment":"neutral","sentiment_score":0.06436365097761154},{"text":"Yep.","start":597.215,"end":597.69,"sentiment":"neutral","sentiment_score":0.105543315410614}],"sentiment":"neutral","sentiment_score":-0.13262665180205288,"num_words":59,"start":570.505,"end":597.69},{"sentences":[{"text":"Yep.","start":600.33,"end":600.83,"sentiment":"neutral","sentiment_score":0.057512782514095306},{"text":"In your own time?","start":601.21,"end":602.43,"sentiment":"neutral","sentiment_score":0.008697304874658585},{"text":"Yeah.","start":602.57,"end":603.07,"sentiment":"neutral","sentiment_score":0.038190484046936035},{"text":"Yeah.","start":603.53,"end":604.01,"sentiment":"neutral","sentiment_score":0.07640701532363892},{"text":"So Mhmm.","start":604.01,"end":604.91,"sentiment":"neutral","sentiment_score":0.061772022396326065}],"sentiment":"neutral","sentiment_score":0.0367159495751063,"num_words":9,"start":600.33,"end":604.91},{"sentences":[{"text":"A bit of both.","start":635.175,"end":636.055,"sentiment":"neutral","sentiment_score":0.002567782998085021},{"text":"Sorry.","start":636.055,"end":636.375,"sentiment":"neutral","sentiment_score":-0.15232357382774353},{"text":"It would still be Hub twenty four.","start":636.375,"end":638.695,"sentiment":"neutral","sentiment_score":-0.06514185081635203},{"text":"Is that still the best?","start":638.695,"end":639.495,"sentiment":"neutral","sentiment_score":-0.028358250111341476},{"text":"So I'll still research Hub twenty four just to make sure that's still the best option for you when we are looking at everything.","start":639.495,"end":644.635,"sentiment":"neutral","sentiment_score":0.06341304335122307}],"sentiment":"neutral","sentiment_score":0.019075033959092165,"num_words":41,"start":635.175,"end":644.635},{"sentences":[{"text":"So let's say if it is Hub twenty four, stay with Hub twenty four, then Hub 24 would be like your platform.","start":645.575,"end":651.37006,"sentiment":"neutral","sentiment_score":0.07971330173313618},{"text":"So think of it as like your bank account.","start":651.37006,"end":652.73004,"sentiment":"neutral","sentiment_score":0.10208974199162589},{"text":"That's just what holds your money.","start":652.73004,"end":654.35004,"sentiment":"neutral","sentiment_score":0.0819992075363795},{"text":"Then Oakview, along with BlackRock, so we've partnered up together.","start":654.97003,"end":659.63,"sentiment":"neutral","sentiment_score":0.09783316925168037},{"text":"Sorry.","start":659.69,"end":659.93005,"sentiment":"neutral","sentiment_score":-0.08711405098438263}],"sentiment":"neutral","sentiment_score":0.08449402505842347,"num_words":48,"start":645.575,"end":659.93005},{"sentences":[{"text":"Oakview's investment committee with BlackRock investment committee together structures the portfolio and manage, you know, the different investments and stuff like that.","start":659.93005,"end":668.685,"sentiment":"neutral","sentiment_score":-0.02165547250346704},{"text":"Yeah.","start":670.185,"end":670.685,"sentiment":"neutral","sentiment_score":0.1483294665813446},{"text":"Does that make sense?","start":670.745,"end":671.885,"sentiment":"neutral","sentiment_score":0.14648781530559063},{"text":"Yeah.","start":674.2,"end":674.6,"sentiment":"neutral","sentiment_score":0.12188243865966795},{"text":"Yeah.","start":674.6,"end":675.08,"sentiment":"neutral","sentiment_score":0.23565682768821716}],"sentiment":"neutral","sentiment_score":0.021220675830183357,"num_words":29,"start":659.93005,"end":675.08},{"sentences":[{"text":"Perfect.","start":675.08,"end":675.58,"sentiment":"positive","sentiment_score":0.5880346894264221},{"text":"Alright.","start":675.64,"end":675.96,"sentiment":"positive","sentiment_score":0.376542329788208},{"text":"So I will research both options for you anyway.","start":675.96,"end":678.46,"sentiment":"neutral","sentiment_score":0.299512075053321},{"text":"I'll put them together for you.","start":678.68,"end":680.54,"sentiment":"neutral","sentiment_score":0.28007800163080293},{"text":"When I do go through the statement of advice, if it is that the SMA comes out better, they will also have more information on, like, the pros and cons of the SMA, all the fees, and stuff like that.","start":680.84,"end":693.545,"sentiment":"neutral","sentiment_score":0.1557320285588503}],"sentiment":"neutral","sentiment_score":0.20298131310233944,"num_words":57,"start":675.08,"end":693.545},{"sentences":[{"text":"So you will have more information in the SMA if the SMA turns out to be better.","start":694.005,"end":699.14496,"sentiment":"positive","sentiment_score":0.4268873982569751},{"text":"If the other model portfolio turns out to be better, then I will recommend that for you.","start":699.20496,"end":702.9,"sentiment":"positive","sentiment_score":0.3891681537908666},{"text":"Yep.","start":705.46,"end":705.96,"sentiment":"neutral","sentiment_score":0.18070369958877563},{"text":"Mhmm.","start":708.5,"end":709.0,"sentiment":"neutral","sentiment_score":0.14117825031280518},{"text":"Yes.","start":711.54004,"end":712.04004,"sentiment":"neutral","sentiment_score":0.035942189395427704}],"sentiment":"positive","sentiment_score":0.38461536551649506,"num_words":37,"start":694.005,"end":712.04004},{"sentences":[{"text":"No, sir.","start":713.38,"end":713.86005,"sentiment":"neutral","sentiment_score":-0.09601633623242378},{"text":"I would have to do all that research to see which one's going to be the best for you, but it will be in that document.","start":713.86005,"end":718.70496,"sentiment":"neutral","sentiment_score":0.05989999195130972},{"text":"So it depends which one.","start":718.70496,"end":720.305,"sentiment":"neutral","sentiment_score":0.11912171691656112},{"text":"It depends on if you but I think from the last conversation, you said you're still quite comfortable in your growth portfolio.","start":720.305,"end":726.885,"sentiment":"neutral","sentiment_score":0.11357150480828503},{"text":"So similar risk volatility.","start":727.02496,"end":729.52496,"sentiment":"neutral","sentiment_score":0.010862874798476696}],"sentiment":"neutral","sentiment_score":0.076322039115732,"num_words":59,"start":713.38,"end":729.52496},{"sentences":[{"text":"So I will look at your growth options and aim for that eighty twenty split.","start":729.82495,"end":735.79004,"sentiment":"neutral","sentiment_score":0.14589612831672033},{"text":"And then that one, I will, in the essay, show you.","start":736.25,"end":740.01,"sentiment":"neutral","sentiment_score":0.15089606290513818},{"text":"I will show you the performance.","start":740.01,"end":741.55005,"sentiment":"neutral","sentiment_score":0.2230461984872818},{"text":"I can do, like, your twelve twelve month, three year, five years to give you all of it and then all the fees as well so that you can see the difference yourself.","start":742.41003,"end":750.895,"sentiment":"neutral","sentiment_score":0.17229554802179337},{"text":"Yep.","start":753.115,"end":753.615,"sentiment":"neutral","sentiment_score":0.17608635127544403}],"sentiment":"neutral","sentiment_score":0.16740023096402487,"num_words":66,"start":729.82495,"end":753.615},{"sentences":[{"text":"Now Yes.","start":754.715,"end":760.19,"sentiment":"neutral","sentiment_score":0.15935031324625015},{"text":"Yes.","start":761.77,"end":762.27,"sentiment":"neutral","sentiment_score":0.0960315316915512},{"text":"100%.","start":762.65,"end":763.45,"sentiment":"neutral","sentiment_score":0.15650784969329834},{"text":"Yes.","start":763.45,"end":763.93,"sentiment":"neutral","sentiment_score":0.21557557582855225},{"text":"We always have to do it when we make any changes because I need to make sure that if I do make a proposed change, it will put you in a better position.","start":763.93,"end":772.17004,"sentiment":"neutral","sentiment_score":0.259052959355441}],"sentiment":"neutral","sentiment_score":0.2456727169061962,"num_words":38,"start":754.715,"end":772.17004},{"sentences":[{"text":"Otherwise, I will say, no.","start":772.17004,"end":773.45,"sentiment":"neutral","sentiment_score":-0.10142156034708023},{"text":"What you have right now is the better option.","start":773.45,"end":775.815,"sentiment":"neutral","sentiment_score":0.057502076857619815},{"text":"So, yes, I definitely have to compare both options, and I'll do more options.","start":775.875,"end":780.915,"sentiment":"neutral","sentiment_score":0.2951313331723213},{"text":"So we have other portfolios as well, so I will compare a few different ones for you to make sure that whichever it is that I recommend will be the best for you.","start":780.915,"end":789.93,"sentiment":"neutral","sentiment_score":0.3328621649380886},{"text":"Yep.","start":791.29,"end":791.79,"sentiment":"neutral","sentiment_score":0.10936462879180908}],"sentiment":"neutral","sentiment_score":0.24574299397007113,"num_words":62,"start":772.17004,"end":791.79},{"sentences":[{"text":"Now it will take me about ten days or so to get this sorted.","start":792.64996,"end":799.71,"sentiment":"neutral","sentiment_score":0.08794926851987839},{"text":"So while I do have you on the phone, just to make sure I can, you know, prioritize it as well for you, I would like to book it in while I have you on the phone.","start":800.25,"end":810.145,"sentiment":"neutral","sentiment_score":0.2276511186280766},{"text":"Now when is typically best time for you?","start":810.605,"end":813.505,"sentiment":"neutral","sentiment_score":0.060247354209423065},{"text":"Okay.","start":823.10004,"end":823.42004,"sentiment":"neutral","sentiment_score":0.04428942501544952},{"text":"We can do the following week.","start":823.42004,"end":825.04004,"sentiment":"neutral","sentiment_score":0.062219091380635895}],"sentiment":"neutral","sentiment_score":0.1599085447801785,"num_words":66,"start":792.64996,"end":825.04004},{"sentences":[{"text":"Mhmm.","start":826.14,"end":826.64,"sentiment":"neutral","sentiment_score":0.05582007020711899},{"text":"Yep.","start":828.79504,"end":829.29504,"sentiment":"neutral","sentiment_score":0.08962082862854004},{"text":"Which day is better for you typically?","start":829.755,"end":831.695,"sentiment":"neutral","sentiment_score":0.07913809269666672},{"text":"Yep.","start":835.35504,"end":835.85504,"sentiment":"neutral","sentiment_score":0.06585244834423065},{"text":"Yeah.","start":838.47504,"end":838.79504,"sentiment":"neutral","sentiment_score":0.0815514549612999}],"sentiment":"neutral","sentiment_score":0.07698285918344151,"num_words":11,"start":826.14,"end":838.79504},{"sentences":[{"text":"Let me have a look here.","start":838.79504,"end":840.315,"sentiment":"neutral","sentiment_score":0.08711952964464824},{"text":"I could do.","start":840.315,"end":841.455,"sentiment":"neutral","sentiment_score":0.08216248204310735},{"text":"If I do 09:00 my time, that's 10:00.","start":843.81995,"end":849.42,"sentiment":"neutral","sentiment_score":0.04797046538442373},{"text":"Oh, wait.","start":849.42,"end":849.74,"sentiment":"neutral","sentiment_score":0.005018040305003524},{"text":"Hold on.","start":849.74,"end":850.48,"sentiment":"neutral","sentiment_score":-0.013024932704865932}],"sentiment":"neutral","sentiment_score":0.054140693441565545,"num_words":21,"start":838.79504,"end":850.48},{"sentences":[{"text":"When does no.","start":850.54,"end":851.74,"sentiment":"neutral","sentiment_score":-0.020883871242403984},{"text":"Daylight savings ended.","start":851.74,"end":853.12,"sentiment":"neutral","sentiment_score":-0.007936245140930017},{"text":"Oh, that's good.","start":853.18,"end":854.07996,"sentiment":"neutral","sentiment_score":0.12661606321732202},{"text":"Yes.","start":854.22,"end":854.72,"sentiment":"neutral","sentiment_score":0.09842290729284286},{"text":"09:00.","start":855.81995,"end":856.54,"sentiment":"neutral","sentiment_score":0.06619896739721298}],"sentiment":"neutral","sentiment_score":0.04163724683563818,"num_words":11,"start":850.54,"end":856.54},{"sentences":[{"text":"Would that work?","start":856.54,"end":857.43994,"sentiment":"neutral","sentiment_score":0.07691581795612971},{"text":"Yes.","start":860.275,"end":860.67505,"sentiment":"neutral","sentiment_score":0.05742567777633667},{"text":"We can do let's do ten.","start":860.67505,"end":862.375,"sentiment":"neutral","sentiment_score":0.05375710812707742},{"text":"10:00.","start":863.47504,"end":864.195,"sentiment":"neutral","sentiment_score":0.1024547964334488},{"text":"Okay.","start":864.195,"end":864.59503,"sentiment":"positive","sentiment_score":0.35372495651245117}],"sentiment":"neutral","sentiment_score":0.08890796111275752,"num_words":12,"start":856.54,"end":864.59503},{"sentences":[{"text":"Perfect.","start":864.59503,"end":865.09503,"sentiment":"positive","sentiment_score":0.6602064371109009},{"text":"And that's when I will actually send you the document, and we can go through it together.","start":865.55505,"end":869.49506,"sentiment":"positive","sentiment_score":0.5872124503640568},{"text":"I'll obviously make sure you have time to read over it to make sure you are, you know, happy with everything.","start":870.03503,"end":874.81,"sentiment":"positive","sentiment_score":0.5333839442048754},{"text":"Take your time as well.","start":875.02997,"end":876.73,"sentiment":"positive","sentiment_score":0.5287079870700836},{"text":"So that is booked in on Tuesday, April 21 at 10AM.","start":878.47,"end":883.13,"sentiment":"neutral","sentiment_score":0.2554188221693039}],"sentiment":"positive","sentiment_score":0.49630959819663656,"num_words":55,"start":864.59503,"end":883.13},{"sentences":[{"text":"The other just for me to finalize all of this for you, I do need to just quickly run through an updated fact line just to make sure that I have all your correct information and details so that I can do, you know, the advice and everything appropriately and correct for you.","start":884.565,"end":899.54,"sentiment":"neutral","sentiment_score":0.23763646002648012},{"text":"So bear with me as I go through this, and I'll try and do it as quickly as I can for you.","start":899.76,"end":904.82,"sentiment":"neutral","sentiment_score":0.17892146923325278},{"text":"Now I do have you down here as married with financial dependent.","start":906.64,"end":911.54,"sentiment":"neutral","sentiment_score":0.016131080066164333},{"text":"Is that still the case?","start":911.68,"end":913.14,"sentiment":"neutral","sentiment_score":0.013302016258239745},{"text":"Perfect.","start":914.35504,"end":914.85504,"sentiment":"neutral","sentiment_score":0.11501576751470566}],"sentiment":"neutral","sentiment_score":0.18178605929177294,"num_words":93,"start":884.565,"end":914.85504},{"sentences":[{"text":"Occupation title as data consultant, still doing the same job?","start":915.395,"end":921.17505,"sentiment":"neutral","sentiment_score":0.04054860100150108},{"text":"Okay.","start":924.275,"end":924.775,"sentiment":"neutral","sentiment_score":-0.007523009553551674},{"text":"What's the occupation title?","start":926.44995,"end":927.97,"sentiment":"neutral","sentiment_score":-0.01144918892532587},{"text":"Sorry.","start":927.97,"end":928.47,"sentiment":"neutral","sentiment_score":-0.04026074707508087},{"text":"Oh, perfect.","start":931.32996,"end":932.06995,"sentiment":"neutral","sentiment_score":0.1584811806678772}],"sentiment":"neutral","sentiment_score":0.034937103278934956,"num_words":18,"start":915.395,"end":932.06995},{"sentences":[{"text":"At the Rexta.","start":933.32996,"end":934.14996,"sentiment":"neutral","sentiment_score":0.03864790002504984},{"text":"Still within IT?","start":934.44995,"end":935.58997,"sentiment":"neutral","sentiment_score":0.018224882582823437},{"text":"Yeah.","start":937.17,"end":937.515,"sentiment":"neutral","sentiment_score":0.01048163790255785},{"text":"Perfect.","start":937.675,"end":938.175,"sentiment":"positive","sentiment_score":0.6541546583175659},{"text":"And did your income change at all with that with the change?","start":938.47504,"end":942.815,"sentiment":"neutral","sentiment_score":0.11598784802481532}],"sentiment":"neutral","sentiment_score":0.11135544101707637,"num_words":20,"start":933.32996,"end":942.815},{"sentences":[{"text":"I have 265 including commission.","start":945.91504,"end":949.375,"sentiment":"neutral","sentiment_score":0.005202847067266703},{"text":"Yep.","start":951.0,"end":951.5,"sentiment":"neutral","sentiment_score":0.07305662333965302},{"text":"Perfect.","start":953.08,"end":953.48,"sentiment":"neutral","sentiment_score":0.289291650056839},{"text":"And then base income, I have 210.","start":953.48,"end":956.3,"sentiment":"neutral","sentiment_score":0.04729939039264407},{"text":"Yep.","start":957.88,"end":958.36,"sentiment":"neutral","sentiment_score":0.06518441438674927}],"sentiment":"neutral","sentiment_score":0.05230951039120555,"num_words":15,"start":945.91504,"end":958.36},{"sentences":[{"text":"Now I do have here that you get employer contributions on the 210, so you're based and not on commissions.","start":958.36,"end":965.33997,"sentiment":"neutral","sentiment_score":0.04514393815770745},{"text":"Is that correct?","start":965.385,"end":966.045,"sentiment":"neutral","sentiment_score":0.032421886920928955},{"text":"On commissions?","start":969.305,"end":970.045,"sentiment":"neutral","sentiment_score":-0.010779974516481161},{"text":"Okay.","start":970.105,"end":970.585,"sentiment":"neutral","sentiment_score":0.0727338120341301},{"text":"Perfect.","start":970.585,"end":971.085,"sentiment":"neutral","sentiment_score":0.26761823892593384}],"sentiment":"neutral","sentiment_score":0.04884950095718658,"num_words":27,"start":958.36,"end":971.085},{"sentences":[{"text":"I will update that.","start":971.145,"end":972.525,"sentiment":"neutral","sentiment_score":0.15609673783183098},{"text":"Let's see here.","start":974.905,"end":976.28503,"sentiment":"neutral","sentiment_score":0.05244676023721695},{"text":"Now that does take you over the cap.","start":984.76,"end":987.18005,"sentiment":"neutral","sentiment_score":0.016243644058704376},{"text":"Do you know so employers are only required to pay contributions up to 30,000.","start":988.36005,"end":994.445,"sentiment":"neutral","sentiment_score":-0.018735718514238085},{"text":"If you go over that, some employers stop.","start":994.90497,"end":999.305,"sentiment":"neutral","sentiment_score":-0.06398113118484616}],"sentiment":"neutral","sentiment_score":0.003716953400824521,"num_words":37,"start":971.145,"end":999.305},{"sentences":[{"text":"They don't pay more than 30 because they don't legally have to.","start":999.305,"end":1002.76495,"sentiment":"neutral","sentiment_score":-0.09924148830274741},{"text":"Some employers do.","start":1002.985,"end":1004.605,"sentiment":"neutral","sentiment_score":-0.05890291308363279},{"text":"Still go over.","start":1004.985,"end":1005.885,"sentiment":"neutral","sentiment_score":-0.055230305840571724},{"text":"Do you know if your employer stops at 30,000?","start":1007.22,"end":1010.42,"sentiment":"neutral","sentiment_score":-0.05653474893834856},{"text":"Because if your income is through a 165 and you get 12%, that's 31,800.","start":1010.42,"end":1015.95996,"sentiment":"neutral","sentiment_score":-0.06907883951706546}],"sentiment":"neutral","sentiment_score":-0.07339546366072283,"num_words":41,"start":999.305,"end":1015.95996},{"sentences":[{"text":"Okay.","start":1020.355,"end":1020.855,"sentiment":"neutral","sentiment_score":-0.023780664429068565},{"text":"Okay.","start":1020.915,"end":1021.415,"sentiment":"neutral","sentiment_score":-0.026356620714068413},{"text":"Yeah.","start":1024.675,"end":1025.175,"sentiment":"neutral","sentiment_score":-0.03862021863460541},{"text":"Okay.","start":1026.195,"end":1026.695,"sentiment":"neutral","sentiment_score":0.07042208313941956},{"text":"No.","start":1027.395,"end":1027.635,"sentiment":"neutral","sentiment_score":0.03564115986227989}],"sentiment":"neutral","sentiment_score":0.0034611478447914125,"num_words":5,"start":1020.355,"end":1027.635},{"sentences":[{"text":"That's okay.","start":1027.635,"end":1028.195,"sentiment":"neutral","sentiment_score":0.1187409907579422},{"text":"If you can find out for me, that would be good.","start":1028.195,"end":1030.535,"sentiment":"neutral","sentiment_score":0.2728127200495113},{"text":"That that would that would help their their research.","start":1032.7101,"end":1035.13,"sentiment":"neutral","sentiment_score":0.18782074418332842},{"text":"If you don't know, I can always do two comparisons, one stopping at thirty and one exceeding.","start":1035.35,"end":1042.15,"sentiment":"neutral","sentiment_score":0.06980719307766241},{"text":"But if you can find out and just email it to me, that would be great.","start":1042.15,"end":1045.125,"sentiment":"positive","sentiment_score":0.39675323758274317}],"sentiment":"neutral","sentiment_score":0.22661059424281121,"num_words":55,"start":1027.635,"end":1045.125},{"sentences":[{"text":"That way I have the most up to date and correct information for you.","start":1045.365,"end":1048.985,"sentiment":"neutral","sentiment_score":0.3217869997024536},{"text":"Yep.","start":1050.245,"end":1050.745,"sentiment":"neutral","sentiment_score":0.08274829387664795},{"text":"Now, otherwise, aside from that, you are not making any additional contributions, are you?","start":1051.605,"end":1055.705,"sentiment":"neutral","sentiment_score":-0.01327499414661101},{"text":"Mhmm.","start":1059.7001,"end":1060.2001,"sentiment":"neutral","sentiment_score":-0.0023443875834345818},{"text":"Mhmm.","start":1060.8201,"end":1061.3201,"sentiment":"neutral","sentiment_score":-0.0075178490951657295}],"sentiment":"neutral","sentiment_score":0.1416791656445111,"num_words":31,"start":1045.365,"end":1061.3201},{"sentences":[{"text":"Yep.","start":1062.9,"end":1063.4,"sentiment":"neutral","sentiment_score":-0.0005839765071868896},{"text":"Mhmm.","start":1072.8251,"end":1073.3251,"sentiment":"neutral","sentiment_score":-0.08372990787029266},{"text":"Yep.","start":1074.665,"end":1075.165,"sentiment":"neutral","sentiment_score":0.0007774594123475254},{"text":"Yes.","start":1082.3601,"end":1082.8601,"sentiment":"neutral","sentiment_score":0.03905027359724045},{"text":"So you you're kind of a little bit in a hard position with the tax and super because of the high income.","start":1085.4801,"end":1093.3401,"sentiment":"negative","sentiment_score":-0.517934341322292}],"sentiment":"negative","sentiment_score":-0.4399631407868583,"num_words":26,"start":1062.9,"end":1093.3401},{"sentences":[{"text":"So the way that it is at the moment is that you are already exceeding that cap space.","start":1093.4801,"end":1101.325,"sentiment":"negative","sentiment_score":-0.5023783875836266},{"text":"So so that would mean that any contributions over 30,000, you are already gonna have to pay the additional tax on you.","start":1102.185,"end":1110.14,"sentiment":"negative","sentiment_score":-0.533708932724866},{"text":"You're not going to get the same tax savings.","start":1110.14,"end":1112.56,"sentiment":"negative","sentiment_score":-0.5519465340508355},{"text":"So making additional contributions through superannuation wouldn't be a tax saving because you've already reached the cap space.","start":1112.9401,"end":1121.28,"sentiment":"negative","sentiment_score":-0.366242378950119},{"text":"Mhmm.","start":1126.085,"end":1126.585,"sentiment":"neutral","sentiment_score":-0.04077520966529846}],"sentiment":"negative","sentiment_score":-0.4762509460834896,"num_words":68,"start":1093.4801,"end":1126.585},{"sentences":[{"text":"Yes.","start":1128.8849,"end":1129.3849,"sentiment":"neutral","sentiment_score":0.010444276034832},{"text":"Yes.","start":1132.565,"end":1133.065,"sentiment":"neutral","sentiment_score":0.12832915782928467},{"text":"Yes.","start":1133.125,"end":1133.445,"sentiment":"neutral","sentiment_score":0.20881977677345276},{"text":"So you can definitely make a bit of lump sum if you want to to reduce it.","start":1133.445,"end":1139.5199,"sentiment":"neutral","sentiment_score":0.29902904699830446},{"text":"You definitely can.","start":1139.5199,"end":1140.82,"sentiment":"positive","sentiment_score":0.4373263518015544}],"sentiment":"neutral","sentiment_score":0.29317678543536557,"num_words":23,"start":1128.8849,"end":1140.82},{"sentences":[{"text":"Do you know if you do have unused cap space, then, yes, that's the way that you can do it.","start":1142.24,"end":1146.88,"sentiment":"neutral","sentiment_score":0.1468748500570655},{"text":"Obviously, if your income will continue to be high, you will run out of that, obviously, eventually.","start":1146.88,"end":1151.825,"sentiment":"neutral","sentiment_score":-0.14680250843658166},{"text":"But if at the moment you do have unused cap space, then that is a good way to do it.","start":1152.365,"end":1157.005,"sentiment":"neutral","sentiment_score":0.07005002573132516},{"text":"But like you said, it does mean that it is locked into superannuation until you meet a condition of release.","start":1157.005,"end":1163.2301,"sentiment":"neutral","sentiment_score":-0.10688704997301102},{"text":"So if, for example, you turn 60 and you stop working, it will be locked into that time.","start":1163.2301,"end":1168.05,"sentiment":"neutral","sentiment_score":-0.1795957920451959}],"sentiment":"neutral","sentiment_score":-0.03713274088345076,"num_words":95,"start":1142.24,"end":1168.05},{"sentences":[{"text":"Yeah.","start":1170.27,"end":1170.77,"sentiment":"neutral","sentiment_score":0.01620117947459221},{"text":"Oh, yeah.","start":1175.805,"end":1176.4651,"sentiment":"neutral","sentiment_score":-0.015997509472072124},{"text":"From a tax saving.","start":1183.0851,"end":1184.4651,"sentiment":"neutral","sentiment_score":-0.029358034953475},{"text":"Yeah.","start":1185.84,"end":1186.24,"sentiment":"neutral","sentiment_score":0.0005741491913795471},{"text":"So tax is a bit tricky.","start":1186.24,"end":1188.4,"sentiment":"neutral","sentiment_score":-0.2849532862504323}],"sentiment":"neutral","sentiment_score":-0.13159796768533333,"num_words":14,"start":1170.27,"end":1188.4},{"sentences":[{"text":"So we would obviously from from superannuation, tax savings, and stuff like that, most definitely, that would be the way.","start":1188.4,"end":1195.6,"sentiment":"neutral","sentiment_score":0.08858271352946759},{"text":"Otherwise, to make your tax bill less, it would be an account.","start":1195.6,"end":1202.475,"sentiment":"neutral","sentiment_score":-0.022825106978416443},{"text":"So it is a little bit different, so they would be the best person to speak to when it comes to what deductions can you make and stuff like that to get that down as much as possible.","start":1203.0149,"end":1211.9149,"sentiment":"neutral","sentiment_score":-0.0071683191743336224},{"text":"Do you have a good account and stuff that you deal with?","start":1212.1349,"end":1215.4,"sentiment":"neutral","sentiment_score":0.15052303237219652},{"text":"Right.","start":1215.62,"end":1216.12,"sentiment":"neutral","sentiment_score":0.0210909191519022}],"sentiment":"neutral","sentiment_score":0.03677980922701129,"num_words":83,"start":1188.4,"end":1216.12},{"sentences":[{"text":"Yes.","start":1217.38,"end":1217.88,"sentiment":"neutral","sentiment_score":0.05348622798919678},{"text":"Yeah.","start":1218.74,"end":1219.22,"sentiment":"neutral","sentiment_score":0.060146208852529526},{"text":"Yeah.","start":1219.22,"end":1219.46,"sentiment":"neutral","sentiment_score":0.09966513514518738},{"text":"That will be because they were obviously licensed in that area, so they will be the best one when it's like, cool.","start":1219.46,"end":1225.3,"sentiment":"neutral","sentiment_score":0.16117298128930005},{"text":"What can we do?","start":1225.3,"end":1226.02,"sentiment":"neutral","sentiment_score":0.04056339804083109}],"sentiment":"neutral","sentiment_score":0.13521919836258067,"num_words":29,"start":1217.38,"end":1226.02},{"sentences":[{"text":"And do you have private health insurance?","start":1226.02,"end":1227.72,"sentiment":"neutral","sentiment_score":0.01304265670478344},{"text":"Great.","start":1229.675,"end":1229.995,"sentiment":"positive","sentiment_score":0.5607420206069946},{"text":"Perfect.","start":1229.995,"end":1230.395,"sentiment":"positive","sentiment_score":0.5080596208572388},{"text":"Because otherwise, especially with high income and that's a hospital as well?","start":1230.395,"end":1234.5751,"sentiment":"neutral","sentiment_score":0.09139283249775569},{"text":"Yep.","start":1236.235,"end":1236.735,"sentiment":"neutral","sentiment_score":0.03578858822584152}],"sentiment":"neutral","sentiment_score":0.10420921893621032,"num_words":22,"start":1226.02,"end":1236.735},{"sentences":[{"text":"Great.","start":1237.755,"end":1238.155,"sentiment":"positive","sentiment_score":0.40720123052597046},{"text":"Perfect.","start":1238.155,"end":1238.475,"sentiment":"positive","sentiment_score":0.420311987400055},{"text":"Because that's another one sometimes where if you don't have it, then you will get the additional medical tax levy.","start":1238.475,"end":1245.19,"sentiment":"neutral","sentiment_score":0.1706082321703434},{"text":"So that is great that you have that in place already.","start":1245.19,"end":1247.5299,"sentiment":"positive","sentiment_score":0.5331476574594324},{"text":"Now assets and liabilities wise, let me see here.","start":1249.0299,"end":1255.13,"sentiment":"neutral","sentiment_score":0.030065512284636497}],"sentiment":"neutral","sentiment_score":0.24702123104638996,"num_words":42,"start":1237.755,"end":1255.13},{"sentences":[{"text":"What are you guys renting at the moment?","start":1255.4299,"end":1258.09,"sentiment":"neutral","sentiment_score":0.011718621826730669},{"text":"Okay.","start":1262.485,"end":1262.8049,"sentiment":"neutral","sentiment_score":0.06499989330768585},{"text":"Perfect.","start":1262.8049,"end":1263.3049,"sentiment":"neutral","sentiment_score":0.13620945811271667},{"text":"Let me just update that here.","start":1263.445,"end":1264.885,"sentiment":"neutral","sentiment_score":0.08383933206399281},{"text":"And how much is that one valued at?","start":1264.885,"end":1266.985,"sentiment":"neutral","sentiment_score":0.0328460936434567}],"sentiment":"neutral","sentiment_score":0.04419846114857743,"num_words":24,"start":1255.4299,"end":1266.985},{"sentences":[{"text":"Yes, please.","start":1268.8049,"end":1269.705,"sentiment":"neutral","sentiment_score":0.02335759997367859},{"text":"1.1.","start":1272.98,"end":1273.96,"sentiment":"neutral","sentiment_score":0.024027787148952484},{"text":"Perfect.","start":1274.02,"end":1274.52,"sentiment":"neutral","sentiment_score":0.11599554121494292},{"text":"And do you know what the mortgage would be roughly?","start":1275.14,"end":1279.88,"sentiment":"neutral","sentiment_score":0.04059397242963314},{"text":"$6.50.","start":1283.3151,"end":1284.035,"sentiment":"neutral","sentiment_score":0.018976721912622452}],"sentiment":"neutral","sentiment_score":0.040776998301347095,"num_words":15,"start":1268.8049,"end":1284.035},{"sentences":[{"text":"Alright.","start":1284.035,"end":1284.435,"sentiment":"neutral","sentiment_score":0.08866743743419647},{"text":"Perfect.","start":1284.435,"end":1284.935,"sentiment":"neutral","sentiment_score":0.13574759662151337},{"text":"Do you have any investment properties or anything like that?","start":1286.275,"end":1288.935,"sentiment":"neutral","sentiment_score":0.04208833631128073},{"text":"Perfect.","start":1293.0751,"end":1293.555,"sentiment":"neutral","sentiment_score":0.16493745148181915},{"text":"And how much would that one be valued at?","start":1293.555,"end":1295.655,"sentiment":"neutral","sentiment_score":0.061194556661778025}],"sentiment":"neutral","sentiment_score":0.061863039027560844,"num_words":22,"start":1284.035,"end":1295.655},{"sentences":[{"text":"Yep.","start":1299.57,"end":1300.07,"sentiment":"neutral","sentiment_score":0.046036601066589355},{"text":"Six hundred?","start":1315.105,"end":1315.845,"sentiment":"neutral","sentiment_score":0.03837164305150509},{"text":"Perfect.","start":1315.905,"end":1316.305,"sentiment":"neutral","sentiment_score":0.16247569024562836},{"text":"And do you have a mortgage on that one as well?","start":1316.305,"end":1318.485,"sentiment":"neutral","sentiment_score":0.04972015236589042},{"text":"Two 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think?","start":1332.895,"end":1335.155,"sentiment":"neutral","sentiment_score":0.009956843918189406}],"sentiment":"neutral","sentiment_score":0.023591089391094798,"num_words":17,"start":1326.3201,"end":1335.155},{"sentences":[{"text":"20?","start":1338.655,"end":1339.155,"sentiment":"neutral","sentiment_score":-0.012600002810359},{"text":"Okay.","start":1341.615,"end":1342.095,"sentiment":"neutral","sentiment_score":0.005587175488471985},{"text":"18.","start":1342.095,"end":1342.595,"sentiment":"neutral","sentiment_score":-0.005350178107619286},{"text":"Anything owing on it?","start":1342.895,"end":1344.275,"sentiment":"neutral","sentiment_score":-0.028284907806664705},{"text":"No.","start":1345.75,"end":1346.0701,"sentiment":"neutral","sentiment_score":-0.1796313226222992}],"sentiment":"neutral","sentiment_score":-0.03814174490980804,"num_words":8,"start":1338.655,"end":1346.0701},{"sentences":[{"text":"Perfect.","start":1346.0701,"end":1346.5701,"sentiment":"neutral","sentiment_score":0.1964382827281952},{"text":"Any other motor vehicles or boats or bikes motorbikes or anything?","start":1346.71,"end":1351.4501,"sentiment":"neutral","sentiment_score":0.06458180397748947},{"text":"Okay.","start":1355.27,"end":1355.77,"sentiment":"neutral","sentiment_score":-0.040938325226306915},{"text":"Yeah.","start":1356.0701,"end":1356.5701,"sentiment":"neutral","sentiment_score":0.03481199964880943},{"text":"No.","start":1356.63,"end":1356.79,"sentiment":"neutral","sentiment_score":0.017261706292629242}],"sentiment":"neutral","sentiment_score":0.06119823381304741,"num_words":15,"start":1346.0701,"end":1356.79},{"sentences":[{"text":"That's okay.","start":1356.79,"end":1357.61,"sentiment":"neutral","sentiment_score":0.1158975288271904},{"text":"Do you have, like, other savings or any other assets in your name?","start":1358.235,"end":1362.735,"sentiment":"neutral","sentiment_score":0.04735561202351864},{"text":"Obviously, we have the investment bonds, but that's more obviously for your children.","start":1363.035,"end":1366.335,"sentiment":"neutral","sentiment_score":0.02828640791659172},{"text":"But any other assets?","start":1366.395,"end":1368.415,"sentiment":"neutral","sentiment_score":0.01176944887265563},{"text":"Yep.","start":1380.3301,"end":1380.8301,"sentiment":"neutral","sentiment_score":0.0721849724650383}],"sentiment":"neutral","sentiment_score":0.04043648741913564,"num_words":33,"start":1356.79,"end":1380.8301},{"sentences":[{"text":"$1.50.","start":1384.3451,"end":1385.245,"sentiment":"neutral","sentiment_score":0.06458471715450287},{"text":"Perfect.","start":1385.625,"end":1386.125,"sentiment":"neutral","sentiment_score":0.26203227043151855},{"text":"Now any other lie bill sorry?","start":1386.665,"end":1389.5651,"sentiment":"neutral","sentiment_score":0.05906363514562448},{"text":"Yes.","start":1393.785,"end":1394.285,"sentiment":"neutral","sentiment_score":0.09579476714134216},{"text":"$1.60.","start":1400.38,"end":1401.1,"sentiment":"neutral","sentiment_score":0.04836568236351013}],"sentiment":"neutral","sentiment_score":0.08251592479646205,"num_words":10,"start":1384.3451,"end":1401.1},{"sentences":[{"text":"Perfect.","start":1401.1,"end":1401.58,"sentiment":"neutral","sentiment_score":0.2453412413597107},{"text":"And which platform do you have that one on?","start":1401.58,"end":1404.48,"sentiment":"neutral","sentiment_score":0.0880055468943384},{"text":"Oh, yeah.","start":1406.2999,"end":1406.7,"sentiment":"neutral","sentiment_score":0.08008614927530289},{"text":"Perfect.","start":1406.7,"end":1407.2,"sentiment":"neutral","sentiment_score":0.18627087771892548},{"text":"Any other assets, sorry, Jess?","start":1408.5399,"end":1410.48,"sentiment":"neutral","sentiment_score":0.03425397202372551}],"sentiment":"neutral","sentiment_score":0.08639467776649529,"num_words":18,"start":1401.1,"end":1410.48},{"sentences":[{"text":"No.","start":1413.925,"end":1414.165,"sentiment":"neutral","sentiment_score":-0.006164794787764549},{"text":"Perfect.","start":1414.165,"end":1414.665,"sentiment":"neutral","sentiment_score":0.04967809468507767},{"text":"Any other liabilities, like personal loans or credit card or ZipPay?","start":1415.285,"end":1419.385,"sentiment":"neutral","sentiment_score":0.006389888426796956},{"text":"Mhmm.","start":1425.4601,"end":1425.9601,"sentiment":"neutral","sentiment_score":0.0002453560009598732},{"text":"Okay.","start":1429.06,"end":1429.4601,"sentiment":"neutral","sentiment_score":0.027604615315794945}],"sentiment":"neutral","sentiment_score":0.009443469593922298,"num_words":15,"start":1413.925,"end":1429.4601},{"sentences":[{"text":"And is that one that you kind of pay off for points, or do you have about six owing on it?","start":1429.4601,"end":1433.7201,"sentiment":"neutral","sentiment_score":0.006762491095633734},{"text":"Okay.","start":1436.675,"end":1436.995,"sentiment":"neutral","sentiment_score":0.1820308268070221},{"text":"Perfect.","start":1436.995,"end":1437.495,"sentiment":"neutral","sentiment_score":0.2713378965854645},{"text":"Yeah.","start":1437.635,"end":1437.795,"sentiment":"neutral","sentiment_score":0.07782325893640518},{"text":"No.","start":1437.795,"end":1438.035,"sentiment":"neutral","sentiment_score":-0.003612656146287918}],"sentiment":"neutral","sentiment_score":0.02678366556763649,"num_words":25,"start":1429.4601,"end":1438.035},{"sentences":[{"text":"I wouldn't add that then.","start":1438.035,"end":1439.3351,"sentiment":"neutral","sentiment_score":-0.026848920434713364},{"text":"And health and lifestyle wise, have you down here as a nonsmoker?","start":1440.915,"end":1446.2151,"sentiment":"neutral","sentiment_score":0.01224341926475366},{"text":"Yep.","start":1448.32,"end":1448.82,"sentiment":"neutral","sentiment_score":-0.017363935708999634},{"text":"Perfect.","start":1449.0399,"end":1449.5399,"sentiment":"neutral","sentiment_score":0.17234033346176147},{"text":"Any changes to your health in the last twelve months?","start":1449.6799,"end":1452.34,"sentiment":"neutral","sentiment_score":0.02076430693268776}],"sentiment":"neutral","sentiment_score":0.012941237795969536,"num_words":29,"start":1438.035,"end":1452.34},{"sentences":[{"text":"Any medications or injuries or anything?","start":1452.72,"end":1455.5399,"sentiment":"neutral","sentiment_score":-0.023990596644580364},{"text":"No?","start":1458.0,"end":1458.5,"sentiment":"neutral","sentiment_score":-0.061068058013916016},{"text":"I just have no health no significant health 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other medication for?","start":1491.805,"end":1493.085,"sentiment":"neutral","sentiment_score":-0.010049032668272654},{"text":"Did you say it was a blood pressure?","start":1493.085,"end":1494.685,"sentiment":"neutral","sentiment_score":-0.015024552238173783},{"text":"Oh, sorry.","start":1494.685,"end":1495.085,"sentiment":"neutral","sentiment_score":-0.020652448758482933},{"text":"I didn't hear.","start":1495.085,"end":1495.885,"sentiment":"neutral","sentiment_score":-0.024669573952754337},{"text":"Yep.","start":1495.885,"end":1496.385,"sentiment":"neutral","sentiment_score":0.02764745056629181}],"sentiment":"neutral","sentiment_score":-0.013407839136198163,"num_words":20,"start":1491.805,"end":1496.385},{"sentences":[{"text":"Perfect.","start":1496.76,"end":1497.26,"sentiment":"neutral","sentiment_score":0.24845612049102783},{"text":"Yeah.","start":1497.64,"end":1497.96,"sentiment":"neutral","sentiment_score":0.14816424250602722},{"text":"Great.","start":1497.96,"end":1498.46,"sentiment":"positive","sentiment_score":0.38537463545799255},{"text":"But you haven't really had any issues with any of that in the last, you know, little while?","start":1499.0801,"end":1503.3201,"sentiment":"neutral","sentiment_score":0.06966639962047338},{"text":"Great.","start":1503.3201,"end":1503.64,"sentiment":"positive","sentiment_score":0.35131436586380005}],"sentiment":"neutral","sentiment_score":0.10851384352215311,"num_words":22,"start":1496.76,"end":1503.64},{"sentences":[{"text":"Perfect.","start":1503.64,"end":1504.14,"sentiment":"neutral","sentiment_score":0.31417033076286316},{"text":"Now when it comes to estate planning, do you guys have a will in place?","start":1505.72,"end":1509.74,"sentiment":"neutral","sentiment_score":0.05141741683085759},{"text":"No.","start":1511.825,"end":1512.325,"sentiment":"neutral","sentiment_score":-0.055671364068984985},{"text":"That's okay.","start":1512.3849,"end":1513.125,"sentiment":"neutral","sentiment_score":-0.00461580790579319},{"text":"Do you have a, like, a power of attorney or anyone who makes any financial decisions on your behalf?","start":1513.9049,"end":1518.485,"sentiment":"neutral","sentiment_score":-0.013403408229351044}],"sentiment":"neutral","sentiment_score":0.020154311762828576,"num_words":38,"start":1503.64,"end":1518.485},{"sentences":[{"text":"No.","start":1521.4249,"end":1521.9249,"sentiment":"neutral","sentiment_score":-0.06618547439575195},{"text":"Perfect.","start":1521.985,"end":1522.485,"sentiment":"neutral","sentiment_score":0.010537955909967422},{"text":"And are you involved in politics, like politically exposed or a tax resident in any foreign jurisdiction?","start":1523.49,"end":1531.99,"sentiment":"neutral","sentiment_score":-0.05669859687195105},{"text":"Mhmm.","start":1536.4651,"end":1536.9651,"sentiment":"neutral","sentiment_score":-0.04295895993709564},{"text":"Okay.","start":1541.1051,"end":1541.505,"sentiment":"neutral","sentiment_score":-0.02389637380838394}],"sentiment":"neutral","sentiment_score":-0.05173233328830628,"num_words":21,"start":1521.4249,"end":1541.505},{"sentences":[{"text":"Yeah.","start":1541.505,"end":1542.005,"sentiment":"neutral","sentiment_score":-0.023781713098287582},{"text":"Okay.","start":1544.865,"end":1545.3451,"sentiment":"neutral","sentiment_score":-0.007595689035952091},{"text":"Yeah.","start":1545.3451,"end":1545.8451,"sentiment":"neutral","sentiment_score":-0.0067449286580085754},{"text":"Now that's there.","start":1546.2251,"end":1547.2051,"sentiment":"neutral","sentiment_score":-0.009529113148649534},{"text":"Okay.","start":1552.85,"end":1553.35,"sentiment":"neutral","sentiment_score":0.0068414341658353806}],"sentiment":"neutral","sentiment_score":-0.008552605153194495,"num_words":7,"start":1541.505,"end":1553.35},{"sentences":[{"text":"Yes.","start":1555.33,"end":1555.83,"sentiment":"neutral","sentiment_score":0.020069416612386703},{"text":"Okay.","start":1560.145,"end":1560.465,"sentiment":"neutral","sentiment_score":0.021612657234072685},{"text":"Do you and with the property, do you get, like, rent rental income or earn, like, income from there?","start":1560.465,"end":1567.285,"sentiment":"neutral","sentiment_score":0.009518666143872236},{"text":"Okay.","start":1572.72,"end":1573.22,"sentiment":"neutral","sentiment_score":0.01127701997756958},{"text":"Okay.","start":1575.2,"end":1575.7,"sentiment":"neutral","sentiment_score":0.010299526154994965}],"sentiment":"neutral","sentiment_score":0.010613620726634626,"num_words":23,"start":1555.33,"end":1575.7},{"sentences":[{"text":"Great.","start":1576.0,"end":1576.3201,"sentiment":"neutral","sentiment_score":0.27787795662879944},{"text":"Perfect.","start":1576.3201,"end":1576.72,"sentiment":"neutral","sentiment_score":0.26385027170181274},{"text":"Yeah.","start":1576.72,"end":1576.96,"sentiment":"neutral","sentiment_score":0.15372931957244873},{"text":"No.","start":1576.96,"end":1577.12,"sentiment":"neutral","sentiment_score":0.08043912798166275},{"text":"That's separate then, which is good.","start":1577.12,"end":1578.98,"sentiment":"neutral","sentiment_score":0.16380372767647108}],"sentiment":"neutral","sentiment_score":0.175871904194355,"num_words":10,"start":1576.0,"end":1578.98},{"sentences":[{"text":"Now, otherwise, when it comes to, I guess, goals and stuff that you are working towards that you are wanting to achieve, I have here that last time when we spoke to you, you were kind of focusing on first setting up the child investment and then just kind of focusing on growing your investment portfolio a little bit yourself.","start":1580.64,"end":1598.745,"sentiment":"neutral","sentiment_score":0.10354678171376387},{"text":"Maybe looking at another property down the track and maybe doing some traveling.","start":1600.15,"end":1605.29,"sentiment":"neutral","sentiment_score":0.08267600547808868},{"text":"Is that still kind of, I guess, your your main focus?","start":1605.91,"end":1608.5701,"sentiment":"neutral","sentiment_score":0.031129794025963},{"text":"Mhmm.","start":1611.045,"end":1611.545,"sentiment":"neutral","sentiment_score":0.025049787014722824},{"text":"Yeah.","start":1617.0525,"end":1617.5525,"sentiment":"neutral","sentiment_score":-0.005421968176960945}],"sentiment":"neutral","sentiment_score":0.08894942473446907,"num_words":86,"start":1580.64,"end":1617.5525},{"sentences":[{"text":"Yep.","start":1623.7001,"end":1624.2001,"sentiment":"neutral","sentiment_score":0.07340779900550842},{"text":"The main thing?","start":1629.78,"end":1630.76,"sentiment":"neutral","sentiment_score":0.039862820568184056},{"text":"Yep.","start":1631.4601,"end":1631.9601,"sentiment":"neutral","sentiment_score":0.0770660787820816},{"text":"Yep.","start":1632.18,"end":1632.68,"sentiment":"neutral","sentiment_score":0.15570858120918274},{"text":"Perfect.","start":1632.7401,"end":1633.2401,"sentiment":"positive","sentiment_score":0.5335085391998291}],"sentiment":"neutral","sentiment_score":0.137039922843022,"num_words":7,"start":1623.7001,"end":1633.2401},{"sentences":[{"text":"Now I do have here as well when it comes to retirement that, ideally, you would like to retire at the age of 65 with a weekly income of about a thousand dollars per week.","start":1635.06,"end":1646.865,"sentiment":"neutral","sentiment_score":0.14214336808238712},{"text":"Is that still kind of the case for you, or do you think you wanna retire a bit earlier?","start":1647.005,"end":1651.425,"sentiment":"neutral","sentiment_score":0.0775264121199909},{"text":"No.","start":1654.0,"end":1654.3201,"sentiment":"neutral","sentiment_score":-0.11186910420656204},{"text":"Six six to five five.","start":1654.3201,"end":1656.3401,"sentiment":"neutral","sentiment_score":-0.08161272890865803},{"text":"Yeah.","start":1656.88,"end":1657.38,"sentiment":"neutral","sentiment_score":-0.015450049191713331}],"sentiment":"neutral","sentiment_score":0.09692847402002967,"num_words":61,"start":1635.06,"end":1657.38},{"sentences":[{"text":"Okay.","start":1659.04,"end":1659.54,"sentiment":"neutral","sentiment_score":-0.026391906663775444},{"text":"Yes.","start":1661.28,"end":1661.78,"sentiment":"neutral","sentiment_score":-0.010029066354036331},{"text":"Yep.","start":1662.64,"end":1663.14,"sentiment":"neutral","sentiment_score":-0.056549109518527985},{"text":"Not too much.","start":1665.025,"end":1666.0851,"sentiment":"neutral","sentiment_score":-0.28895603617032367},{"text":"No.","start":1666.545,"end":1667.045,"sentiment":"neutral","sentiment_score":-0.06581124663352966}],"sentiment":"neutral","sentiment_score":-0.14652134824012006,"num_words":7,"start":1659.04,"end":1667.045},{"sentences":[{"text":"If you were to kind of your your goals today, would you say, like, 1,500, 3,000, what would be, like, okay.","start":1667.185,"end":1675.125,"sentiment":"neutral","sentiment_score":0.004674025223634783},{"text":"1,500?","start":1676.88,"end":1677.6001,"sentiment":"neutral","sentiment_score":0.022805288434028625},{"text":"Great.","start":1677.6001,"end":1677.8401,"sentiment":"positive","sentiment_score":0.47295594215393066},{"text":"Perfect.","start":1677.8401,"end":1678.16,"sentiment":"positive","sentiment_score":0.38902029395103455},{"text":"I will update that.","start":1678.16,"end":1679.62,"sentiment":"neutral","sentiment_score":0.20977648720145226}],"sentiment":"neutral","sentiment_score":0.06507292868004047,"num_words":28,"start":1667.185,"end":1679.62},{"sentences":[{"text":"Now the other thing is just with the documents that I did send you last time, when you have a moment, have a read over them as well.","start":1681.2001,"end":1690.1001,"sentiment":"neutral","sentiment_score":0.09066742219563041},{"text":"Most of them, we kind of touched on, which was, like, your Vanguard index chart and their performance.","start":1690.635,"end":1695.2151,"sentiment":"neutral","sentiment_score":0.06699616130855349},{"text":"Another one is your tal insurances.","start":1696.395,"end":1699.2151,"sentiment":"neutral","sentiment_score":0.046983007341623306},{"text":"So you have about 1.1 so this will be detailed in the SOA for you anyway, but you have about 1.1 worth of life and total permanent disability insurance.","start":1700.875,"end":1711.0701,"sentiment":"neutral","sentiment_score":0.05051565851117003},{"text":"Are you quite happy with that level of cover and stuff like that?","start":1712.73,"end":1715.9501,"sentiment":"neutral","sentiment_score":0.0792754407112415}],"sentiment":"neutral","sentiment_score":0.06938352760799388,"num_words":94,"start":1681.2001,"end":1715.9501},{"sentences":[{"text":"Yep.","start":1717.4501,"end":1717.9501,"sentiment":"neutral","sentiment_score":0.03502635285258293},{"text":"Mhmm.","start":1727.4349,"end":1727.675,"sentiment":"neutral","sentiment_score":0.04386959969997406},{"text":"Yep.","start":1727.675,"end":1728.175,"sentiment":"neutral","sentiment_score":0.06155236065387726},{"text":"Mhmm.","start":1732.33,"end":1732.83,"sentiment":"neutral","sentiment_score":-0.004852490033954382},{"text":"Yep.","start":1737.13,"end":1737.63,"sentiment":"neutral","sentiment_score":0.1500382125377655}],"sentiment":"neutral","sentiment_score":0.057126807142049076,"num_words":5,"start":1717.4501,"end":1737.63},{"sentences":[{"text":"Yep.","start":1746.5851,"end":1747.0851,"sentiment":"neutral","sentiment_score":0.0289880633354187},{"text":"Yeah.","start":1762.0199,"end":1762.4199,"sentiment":"neutral","sentiment_score":0.15981218218803406},{"text":"So TPD is one of those tricky one where it's like, I think it's always good to have if it's affordable and depending on what your goals are.","start":1762.4199,"end":1770.305,"sentiment":"neutral","sentiment_score":0.27803459550653187},{"text":"So typically speaking, it's very individually through your family situation.","start":1770.305,"end":1774.005,"sentiment":"neutral","sentiment_score":-0.00890195593237877},{"text":"So TPD is obviously totally and permanently disabled.","start":1774.545,"end":1778.165,"sentiment":"neutral","sentiment_score":-0.20580513030290604}],"sentiment":"neutral","sentiment_score":0.12996475662415227,"num_words":48,"start":1746.5851,"end":1778.165},{"sentences":[{"text":"Now, obviously, like you said, if you are in a super high risk occupation, sometimes the insurance won't even give you cover, but the the chances of something happening at work is higher.","start":1778.545,"end":1788.0,"sentiment":"neutral","sentiment_score":-0.27962570005294046},{"text":"TPD isn't just related to work.","start":1788.62,"end":1791.9199,"sentiment":"neutral","sentiment_score":-0.24837974458932877},{"text":"So that is totally and permanently disabled.","start":1792.1399,"end":1794.88,"sentiment":"neutral","sentiment_score":-0.26113782823085785},{"text":"So if anything were to happen to you, after you got your policy put in force and you are unable to work now that could be, an illness, a diagnosis.","start":1795.405,"end":1807.425,"sentiment":"negative","sentiment_score":-0.35671497086683907},{"text":"It could be, let's say, if you are in a car accident.","start":1808.205,"end":1811.71,"sentiment":"neutral","sentiment_score":-0.23406541099150976}],"sentiment":"neutral","sentiment_score":-0.29609233437275345,"num_words":88,"start":1778.545,"end":1811.71},{"sentences":[{"text":"Let's say you you break your back or something and you you can't work.","start":1812.17,"end":1816.03,"sentiment":"neutral","sentiment_score":-0.21883895354611532},{"text":"Let's say if there will be any, you know, mental stuff, can't mean that you cannot do your job.","start":1816.65,"end":1822.11,"sentiment":"neutral","sentiment_score":-0.1280355602502823},{"text":"Let's say if you take off a super risky occupation, let's say you do skydiving or, you know, off mountain climbing or whatever it might be, and something happens to you and you cannot go back to work, that's when the TPD is really helpful for.","start":1822.41,"end":1837.6549,"sentiment":"neutral","sentiment_score":-0.012372876962889795},{"text":"So for a lot of the clients, the TPD is sometimes more important than life cover because TPD means that you will still be around, but you can't work.","start":1837.715,"end":1847.51,"sentiment":"neutral","sentiment_score":0.016780311177516806},{"text":"So all the costs and stuff like that would still be around.","start":1847.73,"end":1850.2899,"sentiment":"neutral","sentiment_score":-0.15873805371423563}],"sentiment":"neutral","sentiment_score":-0.06236500795930624,"num_words":120,"start":1812.17,"end":1850.2899},{"sentences":[{"text":"Sometimes there's more cost associated because if you can't work, is there any you know, you need to make a modifications to the home.","start":1850.2899,"end":1857.115,"sentiment":"neutral","sentiment_score":-0.15368700865656137},{"text":"Do you need any, you know, more medical bills and stuff like that?","start":1857.495,"end":1860.7949,"sentiment":"neutral","sentiment_score":-0.12696425903301972},{"text":"That's what the TPD is typically for.","start":1862.615,"end":1865.4,"sentiment":"neutral","sentiment_score":-0.047202255576848984},{"text":"So that is if you are unable to go back to work permanently.","start":1865.48,"end":1868.4601,"sentiment":"neutral","sentiment_score":-0.228826825435345},{"text":"Now if something were to happen like that, you could get your superannuation paid out as well, but that would obviously only get you so long.","start":1869.4,"end":1877.66,"sentiment":"neutral","sentiment_score":-0.2544621002788727}],"sentiment":"neutral","sentiment_score":-0.18385786388114275,"num_words":83,"start":1850.2899,"end":1877.66},{"sentences":[{"text":"Then it would be gone.","start":1878.6749,"end":1879.975,"sentiment":"negative","sentiment_score":-0.37405247092247007},{"text":"So PPD, generally speaking, I think, is very important, especially if you have younger children and you, you know, wanna make sure that you can continue to support them, continue to oversee assist with bills and expenses.","start":1880.0349,"end":1896.2001,"sentiment":"neutral","sentiment_score":0.25224730150925145},{"text":"But it also depends on your, obviously, your your wife.","start":1896.66,"end":1901.4,"sentiment":"neutral","sentiment_score":-0.0896458312869072},{"text":"Can you guys survive on her income alone if you cannot work, if you can never go back to work?","start":1902.5,"end":1908.045,"sentiment":"neutral","sentiment_score":-0.2741361863911152},{"text":"Or do you are you quite dependent on your income as well?","start":1908.2051,"end":1911.1051,"sentiment":"neutral","sentiment_score":-0.1504519097507}],"sentiment":"neutral","sentiment_score":-0.008591870910355024,"num_words":84,"start":1878.6749,"end":1911.1051},{"sentences":[{"text":"Yep.","start":1928.66,"end":1929.16,"sentiment":"neutral","sentiment_score":-0.0004542830283753574},{"text":"Yes.","start":1932.915,"end":1933.415,"sentiment":"neutral","sentiment_score":0.03623801469802856},{"text":"That yeah.","start":1934.1151,"end":1935.655,"sentiment":"neutral","sentiment_score":0.001355620101094246},{"text":"Oh, and it is very good.","start":1936.755,"end":1938.035,"sentiment":"positive","sentiment_score":0.4606682062149048},{"text":"So so PPD and IP have different functions.","start":1938.035,"end":1941.415,"sentiment":"neutral","sentiment_score":0.06878057401627302}],"sentiment":"neutral","sentiment_score":0.1862638222939697,"num_words":18,"start":1928.66,"end":1941.415},{"sentences":[{"text":"So if we just focus on PPD for now, then we're going to income protection.","start":1941.555,"end":1944.775,"sentiment":"neutral","sentiment_score":0.05695869450767835},{"text":"TPD will be a lump sum payment.","start":1945.07,"end":1946.51,"sentiment":"neutral","sentiment_score":0.062152463144489696},{"text":"So that is a lump sum payment paid directly to you.","start":1946.51,"end":1948.99,"sentiment":"neutral","sentiment_score":0.08679717982357199},{"text":"You obviously have to make that last, and you only get that while you have through doctors sign off on the fact that you are never able to go back to work again.","start":1948.99,"end":1957.395,"sentiment":"neutral","sentiment_score":-0.0479927310212092},{"text":"So it is a little bit harder to climb on on that way, especially if you have a desktop like you said, but there can be different reasons why you can't go back to work.","start":1957.9551,"end":1965.495,"sentiment":"neutral","sentiment_score":-0.21602101006678173}],"sentiment":"neutral","sentiment_score":-0.06831959245892444,"num_words":101,"start":1941.555,"end":1965.495},{"sentences":[{"text":"Now when it comes to the level of cover of what's appropriate, it comes down to what your specific goals are.","start":1965.635,"end":1972.375,"sentiment":"neutral","sentiment_score":0.026043913371506192},{"text":"So, for example, some people, as a starting point, go, well, if something were to happen to me, I would actually make sure that all my debts paid out.","start":1972.63,"end":1981.13,"sentiment":"neutral","sentiment_score":0.022196352738758612},{"text":"So the mortgage is not there.","start":1981.27,"end":1983.35,"sentiment":"neutral","sentiment_score":-0.18771081666151682},{"text":"So then at least if I'm not working, the the, you know, living expenses might be fine on my partner's income.","start":1983.35,"end":1991.175,"sentiment":"neutral","sentiment_score":-0.08901725416736943},{"text":"But at least the mortgage is cleared off, so that's not, you know, hanging over me, so we have to move.","start":1991.235,"end":1996.295,"sentiment":"neutral","sentiment_score":-0.10725116073375657}],"sentiment":"neutral","sentiment_score":-0.041400869414970586,"num_words":98,"start":1965.635,"end":1996.295},{"sentences":[{"text":"Some people want okay.","start":1996.93,"end":1998.21,"sentiment":"neutral","sentiment_score":0.09938797913491726},{"text":"Well, I want my investment property also paid off because then that means that we can potentially keep the investment property, get rental income, and we, again, don't have that.","start":1998.21,"end":2008.47,"sentiment":"neutral","sentiment_score":0.20980584993958473},{"text":"Some people, if they have other debts, they want that paid off.","start":2009.595,"end":2012.235,"sentiment":"neutral","sentiment_score":-0.021281410319109757},{"text":"Some people want okay.","start":2012.235,"end":2014.075,"sentiment":"neutral","sentiment_score":0.08275985717773438},{"text":"Well, if I can't work, I want five or ten years worth of my income replacement because I can never go back to work.","start":2014.075,"end":2022.735,"sentiment":"neutral","sentiment_score":-0.32322472147643566}],"sentiment":"neutral","sentiment_score":-0.013378424267913844,"num_words":74,"start":1996.93,"end":2022.735},{"sentences":[{"text":"Some people go, okay.","start":2023.23,"end":2024.59,"sentiment":"neutral","sentiment_score":-0.0675828568637371},{"text":"Well, I wanna make sure that if, let's say, the depending on what the school arrangement is, if you have private if you're wanting to look at private schools.","start":2024.59,"end":2032.83,"sentiment":"neutral","sentiment_score":-0.0160539665998056},{"text":"Okay.","start":2032.83,"end":2033.15,"sentiment":"neutral","sentiment_score":-0.0012037605047225952},{"text":"Well, at the moment, private schools, let's say, is 10,000 a year, and the kids have, you know, five years left of school, then I wanna make sure I have, you know, 50,000 put aside to cover school fees.","start":2033.15,"end":2045.625,"sentiment":"neutral","sentiment_score":-0.029103228965630897},{"text":"There's probably a lot of information, but in terms of how appropriate the cover is, it comes down to what you want to have happen if something were to happen to you.","start":2046.645,"end":2056.3298,"sentiment":"neutral","sentiment_score":-0.07179273548536003}],"sentiment":"neutral","sentiment_score":-0.039709463662334854,"num_words":105,"start":2023.23,"end":2056.3298},{"sentences":[{"text":"Yeah.","start":2070.085,"end":2070.585,"sentiment":"neutral","sentiment_score":0.12736636400222778},{"text":"So I can part of part of reviewing their super, I can definitely review it for you.","start":2071.125,"end":2075.7852,"sentiment":"neutral","sentiment_score":0.2988129074082655},{"text":"And in reviewing that and looking at, okay.","start":2076.245,"end":2079.29,"sentiment":"neutral","sentiment_score":0.06021048687398434},{"text":"Do you have too much?","start":2079.29,"end":2081.85,"sentiment":"neutral","sentiment_score":-0.14465300142765045},{"text":"Do you wanna reduce it?","start":2081.85,"end":2083.47,"sentiment":"neutral","sentiment_score":-0.1667588770389557}],"sentiment":"neutral","sentiment_score":0.11477250812782182,"num_words":36,"start":2070.085,"end":2083.47},{"sentences":[{"text":"It's finding out, okay.","start":2084.01,"end":2085.37,"sentiment":"neutral","sentiment_score":0.06437637936323881},{"text":"Well, I can do all the math for you, but what is important to you?","start":2085.37,"end":2089.29,"sentiment":"neutral","sentiment_score":0.16022338420152665},{"text":"So if you tell me what you want to have covered, if something were to happen to me, then I can do the math and see if I can get some quotes accordingly.","start":2089.29,"end":2096.395,"sentiment":"neutral","sentiment_score":0.11405214418967564},{"text":"Yep.","start":2105.51,"end":2106.01,"sentiment":"neutral","sentiment_score":0.08484885096549988},{"text":"Yes.","start":2108.63,"end":2109.13,"sentiment":"neutral","sentiment_score":0.045408450067043304}],"sentiment":"neutral","sentiment_score":0.12138582110680916,"num_words":54,"start":2084.01,"end":2109.13},{"sentences":[{"text":"Yep.","start":2111.99,"end":2112.49,"sentiment":"neutral","sentiment_score":0.005567640066146851},{"text":"Yep.","start":2117.045,"end":2117.545,"sentiment":"neutral","sentiment_score":0.03576032817363739},{"text":"Yep.","start":2117.605,"end":2118.105,"sentiment":"neutral","sentiment_score":0.04428824409842491},{"text":"Mhmm.","start":2123.525,"end":2124.025,"sentiment":"neutral","sentiment_score":0.036590516567230225},{"text":"Yep.","start":2128.18,"end":2128.68,"sentiment":"neutral","sentiment_score":0.0503607802093029}],"sentiment":"neutral","sentiment_score":0.034513501822948454,"num_words":5,"start":2111.99,"end":2128.68},{"sentences":[{"text":"Just the desk.","start":2128.74,"end":2129.7,"sentiment":"neutral","sentiment_score":0.028003525609771412},{"text":"Yep.","start":2129.7,"end":2130.2,"sentiment":"neutral","sentiment_score":0.05896563455462456},{"text":"Yep.","start":2131.46,"end":2131.96,"sentiment":"neutral","sentiment_score":0.0801355391740799},{"text":"Okay.","start":2134.9001,"end":2135.4001,"sentiment":"neutral","sentiment_score":0.07600301504135132},{"text":"Mhmm.","start":2136.34,"end":2136.84,"sentiment":"neutral","sentiment_score":0.06577589362859726}],"sentiment":"neutral","sentiment_score":0.052127237032566755,"num_words":7,"start":2128.74,"end":2136.84},{"sentences":[{"text":"Yes.","start":2137.06,"end":2137.56,"sentiment":"neutral","sentiment_score":0.10545198619365692},{"text":"Yep.","start":2139.46,"end":2139.96,"sentiment":"neutral","sentiment_score":0.08020290732383728},{"text":"Mhmm.","start":2143.4448,"end":2143.9448,"sentiment":"neutral","sentiment_score":0.03920597583055496},{"text":"Mhmm.","start":2146.1648,"end":2146.6648,"sentiment":"neutral","sentiment_score":0.06076011806726456},{"text":"Okay.","start":2150.9648,"end":2151.4648,"sentiment":"neutral","sentiment_score":0.025092557072639465}],"sentiment":"neutral","sentiment_score":0.06214270889759064,"num_words":5,"start":2137.06,"end":2151.4648},{"sentences":[{"text":"That's something what happened to her.","start":2151.6848,"end":2153.4648,"sentiment":"neutral","sentiment_score":-0.00012266340975960124},{"text":"Yeah.","start":2154.06,"end":2154.56,"sentiment":"neutral","sentiment_score":0.020292330533266068},{"text":"Okay.","start":2158.22,"end":2158.72,"sentiment":"neutral","sentiment_score":-0.01724708452820778},{"text":"Yeah.","start":2161.26,"end":2161.76,"sentiment":"neutral","sentiment_score":-0.05494043603539467},{"text":"Because because what I can do for you, if your main goal is just cover debt of $6.50, I can get quotes for and see letting you know, well, how much is it going to cost to reduce it to $6.50.","start":2162.54,"end":2175.145,"sentiment":"neutral","sentiment_score":0.1240943159635474}],"sentiment":"neutral","sentiment_score":0.10070471568033099,"num_words":50,"start":2151.6848,"end":2175.145},{"sentences":[{"text":"Or I could do $7.50 if you want a bit extra.","start":2175.365,"end":2178.005,"sentiment":"neutral","sentiment_score":0.09556918320330707},{"text":"But if you are kind of like, I don't need it, I my only focus or my main focus is just covering that, and I'm happy to just have my main mortgage covered at $6.50, then I can go to to Cal and get quotes and put that together at $6.50 and let you know what the cost would be.","start":2178.005,"end":2195.9202,"sentiment":"neutral","sentiment_score":0.1867003954326113},{"text":"Yeah.","start":2197.595,"end":2198.095,"sentiment":"neutral","sentiment_score":0.10767812281847},{"text":"Yeah.","start":2199.275,"end":2199.775,"sentiment":"neutral","sentiment_score":0.05497933179140091},{"text":"Correct.","start":2210.25,"end":2210.75,"sentiment":"neutral","sentiment_score":0.12569284439086914}],"sentiment":"neutral","sentiment_score":0.16948155459721345,"num_words":74,"start":2175.365,"end":2210.75},{"sentences":[{"text":"Sorry.","start":2210.8901,"end":2211.1301,"sentiment":"neutral","sentiment_score":0.0884239673614502},{"text":"It would be it would be so the good within the type of cover you have, it is good.","start":2211.1301,"end":2215.9302,"sentiment":"positive","sentiment_score":0.34702933462042557},{"text":"It's underwritten.","start":2215.9302,"end":2216.75,"sentiment":"neutral","sentiment_score":0.06638056505471468},{"text":"With that, though, is that it's super easy to decrease the cover because insurance mind are taking on less risk.","start":2217.77,"end":2224.155,"sentiment":"neutral","sentiment_score":0.12797046266496181},{"text":"So they are quite happy to decrease.","start":2224.315,"end":2225.995,"sentiment":"positive","sentiment_score":0.6243835645062583}],"sentiment":"neutral","sentiment_score":0.2805068706143267,"num_words":49,"start":2210.8901,"end":2225.995},{"sentences":[{"text":"It's just a quick form.","start":2225.995,"end":2226.795,"sentiment":"neutral","sentiment_score":0.3080500662326813},{"text":"You you retain your policy, everything.","start":2226.795,"end":2228.875,"sentiment":"neutral","sentiment_score":0.2542014668385188},{"text":"You don't have to go through underwriting.","start":2228.875,"end":2230.2551,"sentiment":"neutral","sentiment_score":0.034451503838811605},{"text":"It is literally a quick form to say that I would like to reduce my cover.","start":2230.555,"end":2234.155,"sentiment":"neutral","sentiment_score":0.07331531494855881},{"text":"The insurers are happy.","start":2234.155,"end":2235.375,"sentiment":"positive","sentiment_score":0.6534157991409302}],"sentiment":"neutral","sentiment_score":0.186666523547549,"num_words":38,"start":2225.995,"end":2235.375},{"sentences":[{"text":"The only thing I do wanna let you know is to make sure you are aware that if we decrease it down to $6.50, and let's say in two years' time, you buy three investment property and you change your mind and you're going, you know what?","start":2235.5151,"end":2249.1099,"sentiment":"neutral","sentiment_score":-0.03709439441878745},{"text":"I think I want 1.1 again.","start":2249.1099,"end":2251.13,"sentiment":"neutral","sentiment_score":-0.1175045371055603},{"text":"It's going to potentially be hard to go up to that amount because by increasing it, the insurers are saying, well, we are now taking on more risk.","start":2251.715,"end":2261.2551,"sentiment":"neutral","sentiment_score":-0.2607923493321453},{"text":"So you have to go through the whole underwriting process again.","start":2261.395,"end":2264.195,"sentiment":"neutral","sentiment_score":-0.1810888187451796},{"text":"And if anything has changed with your health, that can make it difficult to get new cover.","start":2264.195,"end":2270.3901,"sentiment":"neutral","sentiment_score":-0.29483286948765025}],"sentiment":"neutral","sentiment_score":-0.1537136268725089,"num_words":109,"start":2235.5151,"end":2270.3901},{"sentences":[{"text":"So that is the only thing I do wanna let you know.","start":2270.77,"end":2273.09,"sentiment":"neutral","sentiment_score":0.06567230448126793},{"text":"If you're still quite quite comfortable to look at reducing life and TPD to six fifty, and that's your goal, then I can get those quotes for you.","start":2273.09,"end":2281.635,"sentiment":"neutral","sentiment_score":0.18842160754970141},{"text":"Yep.","start":2282.995,"end":2283.395,"sentiment":"neutral","sentiment_score":0.04203532263636589},{"text":"Yep.","start":2283.395,"end":2283.895,"sentiment":"neutral","sentiment_score":0.10310845077037813},{"text":"Okay.","start":2286.675,"end":2287.175,"sentiment":"neutral","sentiment_score":0.05280745401978493}],"sentiment":"neutral","sentiment_score":0.14562381145566008,"num_words":43,"start":2270.77,"end":2287.175},{"sentences":[{"text":"Okay.","start":2289.315,"end":2289.815,"sentiment":"neutral","sentiment_score":0.015103856101632118},{"text":"Okay.","start":2291.235,"end":2291.715,"sentiment":"neutral","sentiment_score":0.01223164051771164},{"text":"What I will have to do is I'll just have to check the structure of your policy.","start":2291.715,"end":2295.175,"sentiment":"neutral","sentiment_score":-0.006433231578044155},{"text":"The reason I say that is sometimes when and this certificate of currency won't tell me I have to go a little bit deeper.","start":2295.9202,"end":2303.6802,"sentiment":"neutral","sentiment_score":-0.042358898635332785},{"text":"But, essentially, often, we see your life and TPD as a linked policy.","start":2303.6802,"end":2310.6602,"sentiment":"neutral","sentiment_score":0.0006794592795463708}],"sentiment":"neutral","sentiment_score":-0.019460893514665907,"num_words":56,"start":2289.315,"end":2310.6602},{"sentences":[{"text":"So what that means is that it links together.","start":2311.095,"end":2313.915,"sentiment":"neutral","sentiment_score":0.010740757712887393},{"text":"Yes.","start":2314.775,"end":2315.275,"sentiment":"neutral","sentiment_score":0.02983732335269451},{"text":"But what's then added to it is like so, typically, let's say, if you were to claim on TPD, for example, it'll cancel your life policy, but then within twelve months, life is reinstated.","start":2315.575,"end":2326.46,"sentiment":"neutral","sentiment_score":-0.05577000000459306},{"text":"I need to triple check how your policy is set up if we can reduce because sometimes you can't have a higher amount of one of the others if it's linked, but I will find out for you.","start":2327.96,"end":2341.355,"sentiment":"neutral","sentiment_score":-0.06367414184895001},{"text":"So, ideally, keep life as is, reduce PPD to six fifty, ideally, but I will triple check to make sure that's possible for you.","start":2341.355,"end":2351.01,"sentiment":"neutral","sentiment_score":0.07724131434224546}],"sentiment":"neutral","sentiment_score":-0.022033034938053704,"num_words":106,"start":2311.095,"end":2351.01},{"sentences":[{"text":"And then yes.","start":2352.61,"end":2353.83,"sentiment":"neutral","sentiment_score":0.020232286925117176},{"text":"Mhmm.","start":2355.09,"end":2355.59,"sentiment":"neutral","sentiment_score":0.001908421749249101},{"text":"Yes.","start":2356.77,"end":2357.27,"sentiment":"neutral","sentiment_score":0.0071171363815665245},{"text":"If the policy is set up that way, yes.","start":2371.7449,"end":2374.085,"sentiment":"neutral","sentiment_score":0.02556435287826591},{"text":"I need to table check you all, but sometimes for affordability, that is how a lot of policies are.","start":2374.7048,"end":2379.86,"sentiment":"neutral","sentiment_score":-0.041487030488880056}],"sentiment":"neutral","sentiment_score":-0.014801575287216992,"num_words":33,"start":2352.61,"end":2379.86},{"sentences":[{"text":"So the risk is if you were to claim TPD and then you were to pass away within twelve months, it could mean that you don't have a life insurance at all.","start":2379.86,"end":2388.84,"sentiment":"neutral","sentiment_score":-0.11605477100238204},{"text":"Mhmm.","start":2390.115,"end":2390.615,"sentiment":"neutral","sentiment_score":0.017485298216342926},{"text":"Yes.","start":2390.835,"end":2391.335,"sentiment":"neutral","sentiment_score":0.014050094410777092},{"text":"Yeah.","start":2391.875,"end":2392.355,"sentiment":"neutral","sentiment_score":0.09910771250724792},{"text":"Perfect.","start":2392.355,"end":2392.855,"sentiment":"neutral","sentiment_score":0.24629853665828705}],"sentiment":"neutral","sentiment_score":-0.09268919528565472,"num_words":36,"start":2379.86,"end":2392.855},{"sentences":[{"text":"Now with your income protection, you said you're quite comfortable with it.","start":2394.115,"end":2397.315,"sentiment":"neutral","sentiment_score":0.10136578604578972},{"text":"Obviously, because your income has gone up quite a bit from when your policy was taken out, you are quite underinsured in IP.","start":2397.315,"end":2404.3699,"sentiment":"neutral","sentiment_score":-0.11125693826571754},{"text":"That doesn't mean that you have to have it.","start":2404.3699,"end":2405.97,"sentiment":"neutral","sentiment_score":-0.08830825404988395},{"text":"Some people are comfortable with it.","start":2405.97,"end":2407.8298,"sentiment":"neutral","sentiment_score":-0.06016496755182743},{"text":"So IP is temporarily.","start":2407.89,"end":2410.3098,"sentiment":"neutral","sentiment_score":-0.046544961631298065}],"sentiment":"neutral","sentiment_score":-0.04971229788605814,"num_words":54,"start":2394.115,"end":2410.3098},{"sentences":[{"text":"So if you are temporarily unable to go back to work and it is an income replacement on a monthly basis, You have at the moment 4,001 173.","start":2410.45,"end":2424.9749,"sentiment":"neutral","sentiment_score":-0.008481439585531396},{"text":"Typically speaking, you can have 70% of your income.","start":2425.515,"end":2428.2349,"sentiment":"neutral","sentiment_score":-0.05427306269605955},{"text":"It means, obviously, it's gonna get more expensive if you increase it and underwriting and stuff like that.","start":2428.2349,"end":2432.58,"sentiment":"neutral","sentiment_score":-0.11990634227792422},{"text":"You said you're still quite comfortable with 4,173?","start":2432.58,"end":2436.9202,"sentiment":"neutral","sentiment_score":-0.00408336374675855},{"text":"Yep.","start":2438.5,"end":2439.0,"sentiment":"neutral","sentiment_score":0.0760551393032074}],"sentiment":"neutral","sentiment_score":-0.04438849694270175,"num_words":64,"start":2410.45,"end":2439.0},{"sentences":[{"text":"Great.","start":2439.46,"end":2439.96,"sentiment":"positive","sentiment_score":0.4973016381263733},{"text":"Perfect.","start":2440.02,"end":2440.52,"sentiment":"positive","sentiment_score":0.4896675050258637},{"text":"You have a full week fair when it sorry.","start":2441.46,"end":2444.02,"sentiment":"neutral","sentiment_score":0.244412855969535},{"text":"A full week waiting period and age 65 benefit.","start":2444.02,"end":2448.2002,"sentiment":"neutral","sentiment_score":0.21166090170542398},{"text":"Still comfortable with that as well?","start":2448.7148,"end":2452.207,"sentiment":"neutral","sentiment_score":0.22032050602138042}],"sentiment":"neutral","sentiment_score":0.2466752307059673,"num_words":26,"start":2439.46,"end":2452.207},{"sentences":[{"text":"Yep.","start":2452.395,"end":2452.875,"sentiment":"neutral","sentiment_score":0.04911523684859276},{"text":"Half.","start":2452.875,"end":2453.375,"sentiment":"neutral","sentiment_score":0.038654226809740067},{"text":"Yep.","start":2454.7148,"end":2455.2148,"sentiment":"neutral","sentiment_score":0.09592299908399582},{"text":"Because four weeks, it mean that you have to wait thirty days before you can start claiming on the income protection.","start":2455.755,"end":2462.015,"sentiment":"neutral","sentiment_score":0.05680456863982337},{"text":"And, typically, it's also paid thirty days in arrears.","start":2462.88,"end":2465.7798,"sentiment":"neutral","sentiment_score":0.037816856470372945}],"sentiment":"neutral","sentiment_score":0.052028488254908356,"num_words":33,"start":2452.395,"end":2465.7798},{"sentences":[{"text":"So that means about sixty days.","start":2466.0798,"end":2467.8599,"sentiment":"neutral","sentiment_score":0.08562986428538959},{"text":"Benefit period is how long you can be on claim for.","start":2468.24,"end":2470.5598,"sentiment":"neutral","sentiment_score":0.11321336098692635},{"text":"So if something were to happen, the benefit is all the way up through the age of 65.","start":2470.5598,"end":2476.125,"sentiment":"neutral","sentiment_score":0.12458482984867361},{"text":"Now, sorry, one thing I forgot to mention is when we do talking about the TPD is that if you get TPD under the age of 60, that lump sum can be taxed for up to 22%, including the 2% medical levy.","start":2477.325,"end":2493.98,"sentiment":"neutral","sentiment_score":-0.01192774616980127},{"text":"So do you want me in the calculation to add, like, the seven the $6.50 and then add the tax to make sure that the net of everything you cover the mortgage?","start":2494.2798,"end":2504.0598,"sentiment":"neutral","sentiment_score":0.042273439292330295}],"sentiment":"neutral","sentiment_score":0.04452695240428962,"num_words":109,"start":2466.0798,"end":2504.0598},{"sentences":[{"text":"Yep.","start":2504.2,"end":2504.7,"sentiment":"neutral","sentiment_score":0.06005030870437622},{"text":"Correct.","start":2505.595,"end":2505.835,"sentiment":"positive","sentiment_score":0.35363686084747314},{"text":"Perfect.","start":2505.835,"end":2506.335,"sentiment":"positive","sentiment_score":0.46214812994003296},{"text":"Yep.","start":2513.355,"end":2513.855,"sentiment":"neutral","sentiment_score":0.09681769460439682},{"text":"Yes.","start":2519.45,"end":2519.95,"sentiment":"neutral","sentiment_score":0.035134218633174896}],"sentiment":"neutral","sentiment_score":0.2015574425458908,"num_words":5,"start":2504.2,"end":2519.95},{"sentences":[{"text":"Exactly.","start":2520.65,"end":2521.15,"sentiment":"neutral","sentiment_score":0.048433419317007065},{"text":"So it will be higher.","start":2521.45,"end":2522.49,"sentiment":"neutral","sentiment_score":-0.01450338214635849},{"text":"But then at least now, if you are over 60, it's tax free.","start":2522.49,"end":2526.41,"sentiment":"neutral","sentiment_score":-0.008525155001105024},{"text":"But, obviously, for the time being, while you're under 60, it will be potentially taxed.","start":2526.41,"end":2530.915,"sentiment":"neutral","sentiment_score":-0.01617322533080975},{"text":"So I will include that for you.","start":2530.915,"end":2532.775,"sentiment":"neutral","sentiment_score":0.06883107711161886}],"sentiment":"neutral","sentiment_score":0.0025441134973179275,"num_words":41,"start":2520.65,"end":2532.775},{"sentences":[{"text":"Now mhmm.","start":2533.275,"end":2536.375,"sentiment":"neutral","sentiment_score":0.02597352024167776},{"text":"Mhmm.","start":2538.1948,"end":2538.6948,"sentiment":"neutral","sentiment_score":0.029400993138551712},{"text":"Yep.","start":2538.915,"end":2539.395,"sentiment":"neutral","sentiment_score":0.0554400198161602},{"text":"Yep.","start":2539.395,"end":2539.895,"sentiment":"neutral","sentiment_score":0.06450973451137543},{"text":"Correct.","start":2544.21,"end":2544.71,"sentiment":"neutral","sentiment_score":0.16103264689445496}],"sentiment":"neutral","sentiment_score":0.0603884058073163,"num_words":6,"start":2533.275,"end":2544.71},{"sentences":[{"text":"Correct.","start":2546.37,"end":2546.69,"sentiment":"neutral","sentiment_score":0.12722519040107727},{"text":"So that is what what your insurer would pay out, and then tax would come out of that amount if you claim it while you're on the 60.","start":2546.69,"end":2554.07,"sentiment":"neutral","sentiment_score":0.07394977885165385},{"text":"So the tax would come out of that amount.","start":2555.215,"end":2557.155,"sentiment":"neutral","sentiment_score":0.07762840679950184},{"text":"Yep.","start":2558.335,"end":2558.7349,"sentiment":"neutral","sentiment_score":0.06901866942644119},{"text":"Does that make sense?","start":2558.7349,"end":2559.875,"sentiment":"neutral","sentiment_score":0.02859235182404518}],"sentiment":"neutral","sentiment_score":0.07162471479454706,"num_words":43,"start":2546.37,"end":2559.875},{"sentences":[{"text":"Yeah.","start":2560.895,"end":2561.295,"sentiment":"neutral","sentiment_score":0.04232989251613617},{"text":"Yeah.","start":2561.295,"end":2561.795,"sentiment":"neutral","sentiment_score":0.014031164348125458},{"text":"What do you mean by that?","start":2571.9502,"end":2572.83,"sentiment":"neutral","sentiment_score":-0.011732510601480802},{"text":"Sorry.","start":2572.83,"end":2573.33,"sentiment":"neutral","sentiment_score":-0.1211315169930458},{"text":"Mhmm.","start":2579.085,"end":2579.585,"sentiment":"neutral","sentiment_score":-0.09478148818016052}],"sentiment":"neutral","sentiment_score":-0.02299470119178295,"num_words":10,"start":2560.895,"end":2579.585},{"sentences":[{"text":"Yep.","start":2586.765,"end":2587.245,"sentiment":"neutral","sentiment_score":-0.013609655201435087},{"text":"There are this is there definitely.","start":2587.245,"end":2589.345,"sentiment":"neutral","sentiment_score":-0.04013443551957607},{"text":"So, typically, what would happen is that doctors are quite reluctant sometimes in doing TPD because it means you are never going back to work.","start":2589.565,"end":2597.34,"sentiment":"neutral","sentiment_score":-0.153772764056921},{"text":"So, typically, what we see happening is that you would go in income protection first because it's a temporarily.","start":2597.34,"end":2602.6401,"sentiment":"neutral","sentiment_score":-0.060623936551181895},{"text":"If you can't go back temporarily, so you would go in income protection first, and then sometimes, you know, that continues to be paid out.","start":2603.18,"end":2609.845,"sentiment":"neutral","sentiment_score":-0.07417788282036782}],"sentiment":"neutral","sentiment_score":-0.09348733203583642,"num_words":76,"start":2586.765,"end":2609.845},{"sentences":[{"text":"And after that, if the doctor deemed that you still cannot go back to work and there are chances you'll never go back to work, then you typically see TPD.","start":2609.845,"end":2616.505,"sentiment":"neutral","sentiment_score":-0.15490669757127762},{"text":"But most definitely, you can have if something severe happens and you could potentially claim on both, then, yes, we can do that for you.","start":2616.645,"end":2623.99,"sentiment":"neutral","sentiment_score":-0.0466353540122509},{"text":"Yep.","start":2625.33,"end":2625.81,"sentiment":"neutral","sentiment_score":0.02582297101616859},{"text":"Yep.","start":2625.81,"end":2626.31,"sentiment":"neutral","sentiment_score":0.027510991320014},{"text":"Now while we are obviously talking about insurances, I do see here that you don't have trauma insurance.","start":2626.85,"end":2633.03,"sentiment":"neutral","sentiment_score":-0.024669961175984807}],"sentiment":"neutral","sentiment_score":-0.08271746821701527,"num_words":75,"start":2609.845,"end":2633.03},{"sentences":[{"text":"Obviously, you're comfortable not having trauma.","start":2633.4102,"end":2635.67,"sentiment":"neutral","sentiment_score":-0.07810269917050998},{"text":"Yep.","start":2636.2852,"end":2636.7852,"sentiment":"neutral","sentiment_score":0.1382369101047516},{"text":"Great.","start":2637.0051,"end":2637.485,"sentiment":"positive","sentiment_score":0.6131566762924194},{"text":"Perfect.","start":2637.485,"end":2637.985,"sentiment":"positive","sentiment_score":0.5504512190818787},{"text":"Now the other documents that was in there for you that we sent last week for you to have a look at, Basically, what we have gone through is just for your review for you to look at.","start":2640.2852,"end":2651.82,"sentiment":"neutral","sentiment_score":0.09477021898093976}],"sentiment":"neutral","sentiment_score":0.094350998547483,"num_words":47,"start":2633.4102,"end":2651.82},{"sentences":[{"text":"There are two documents that if you are obviously happy with everything that we will need you to sign at some point, and that is the ongoing service agreement.","start":2651.82,"end":2660.96,"sentiment":"neutral","sentiment_score":0.14115499319701358},{"text":"That is just to say that you are happy to stay on as a client.","start":2661.725,"end":2665.0251,"sentiment":"neutral","sentiment_score":0.2649718403816223},{"text":"It is not a locking contract in any point in time.","start":2665.405,"end":2668.605,"sentiment":"neutral","sentiment_score":-0.06316180696541612},{"text":"So if at any point in time, you are not happy and you go, you know what?","start":2668.605,"end":2671.405,"sentiment":"neutral","sentiment_score":-0.12704069561818065},{"text":"I don't want to stay on anymore.","start":2671.405,"end":2672.845,"sentiment":"neutral","sentiment_score":-0.2971832624503544}],"sentiment":"neutral","sentiment_score":0.03966225150831138,"num_words":79,"start":2651.82,"end":2672.845},{"sentences":[{"text":"There is no locking contract.","start":2672.845,"end":2674.225,"sentiment":"neutral","sentiment_score":-0.14307539463043212},{"text":"And it's also just a PSN, which is a compliance document just to say that we are keeping your tax on number six zero one safe on file.","start":2675.06,"end":2682.52,"sentiment":"neutral","sentiment_score":0.20769562918160642},{"text":"So when you have a moment, Jayesh, have a look through the documents.","start":2682.74,"end":2685.88,"sentiment":"neutral","sentiment_score":0.11571653187274933},{"text":"Any questions, let me know.","start":2686.02,"end":2688.935,"sentiment":"neutral","sentiment_score":0.11310611814260482},{"text":"Otherwise, have a look through them.","start":2689.3152,"end":2690.675,"sentiment":"neutral","sentiment_score":0.07430594600737095}],"sentiment":"neutral","sentiment_score":0.1336102074567686,"num_words":57,"start":2672.845,"end":2690.675},{"sentences":[{"text":"If you're happy with everything, we'll need you to sign those documents.","start":2690.675,"end":2693.5752,"sentiment":"positive","sentiment_score":0.37880104531844455},{"text":"If you want to go through the SOA first, I can always include assignable documents along with it if you wanted to see that before you sign anything.","start":2694.5151,"end":2705.2,"sentiment":"neutral","sentiment_score":0.18116418777831964},{"text":"Yep.","start":2708.1401,"end":2708.6401,"sentiment":"neutral","sentiment_score":-0.002809004858136177},{"text":"No.","start":2713.115,"end":2713.615,"sentiment":"neutral","sentiment_score":-0.060743123292922974},{"text":"It's it's just a continuation.","start":2714.155,"end":2715.6948,"sentiment":"neutral","sentiment_score":0.041371918842196466}],"sentiment":"neutral","sentiment_score":0.20769185675902568,"num_words":47,"start":2690.675,"end":2715.6948},{"sentences":[{"text":"So it's just that 1.65% from your super and no change.","start":2715.915,"end":2720.875,"sentiment":"neutral","sentiment_score":0.07493706453930248},{"text":"It's not increasing or anything like that.","start":2720.875,"end":2722.9749,"sentiment":"neutral","sentiment_score":-0.05528106567050729},{"text":"The only way that it was potentially decreasing is that if your partner decided that she wanted to come on board, because we would look after both of you, it would be reduced.","start":2723.355,"end":2733.95,"sentiment":"neutral","sentiment_score":-0.041928348216143524},{"text":"So it would be cheaper at 1.1 for both of you.","start":2734.3298,"end":2738.5698,"sentiment":"neutral","sentiment_score":0.026212255893783135},{"text":"That would be the only change.","start":2738.5698,"end":2740.27,"sentiment":"neutral","sentiment_score":-0.023291394114494324}],"sentiment":"neutral","sentiment_score":-0.011731011628666344,"num_words":68,"start":2715.915,"end":2740.27},{"sentences":[{"text":"Otherwise, it's not increasing from 1.65.","start":2742.015,"end":2745.075,"sentiment":"neutral","sentiment_score":-0.07310327825446923},{"text":"Yep.","start":2746.4949,"end":2746.9949,"sentiment":"neutral","sentiment_score":0.039817702025175095},{"text":"Yes.","start":2759.71,"end":2760.03,"sentiment":"neutral","sentiment_score":0.022928429767489433},{"text":"Yeah.","start":2760.03,"end":2760.53,"sentiment":"neutral","sentiment_score":0.020567800849676132},{"text":"And that's perfectly yeah.","start":2761.1501,"end":2763.3901,"sentiment":"neutral","sentiment_score":0.05029205605387688}],"sentiment":"neutral","sentiment_score":-0.011856731743766712,"num_words":13,"start":2742.015,"end":2763.3901},{"sentences":[{"text":"And that's perfectly fine at the end of the day.","start":2763.3901,"end":2765.745,"sentiment":"positive","sentiment_score":0.39274296462535857},{"text":"It is always just a free review.","start":2765.985,"end":2767.665,"sentiment":"neutral","sentiment_score":0.28692770430019926},{"text":"You know, there's no pressure or anything.","start":2767.665,"end":2769.425,"sentiment":"neutral","sentiment_score":0.1521731668284961},{"text":"So that was basically everything that I needed to run through with you.","start":2769.425,"end":2774.165,"sentiment":"neutral","sentiment_score":0.16156277633630312},{"text":"So I got you booked in on Tuesday, April 21 at 10AM.","start":2774.225,"end":2778.885,"sentiment":"neutral","sentiment_score":0.12834186355272928}],"sentiment":"neutral","sentiment_score":0.21717457549304378,"num_words":49,"start":2763.3901,"end":2778.885},{"sentences":[{"text":"Do you wanna remind the tech sent, like, an hour or two before the appointment just in case?","start":2779.1,"end":2784.16,"sentiment":"neutral","sentiment_score":0.1039061624970701},{"text":"Yes.","start":2785.34,"end":2785.84,"sentiment":"neutral","sentiment_score":0.1255403608083725},{"text":"Yep.","start":2787.82,"end":2788.32,"sentiment":"neutral","sentiment_score":0.07507427036762238},{"text":"Right.","start":2788.62,"end":2789.12,"sentiment":"neutral","sentiment_score":0.2027648389339447},{"text":"Great.","start":2790.06,"end":2790.54,"sentiment":"positive","sentiment_score":0.6353701949119568}],"sentiment":"neutral","sentiment_score":0.13223002681677992,"num_words":22,"start":2779.1,"end":2790.54},{"sentences":[{"text":"Perfect.","start":2790.54,"end":2791.04,"sentiment":"positive","sentiment_score":0.5676405429840088},{"text":"Yeah.","start":2791.845,"end":2792.345,"sentiment":"neutral","sentiment_score":0.0520051047205925},{"text":"Mm-mm.","start":2795.845,"end":2796.345,"sentiment":"neutral","sentiment_score":0.06609296798706055},{"text":"Yes.","start":2796.805,"end":2797.305,"sentiment":"neutral","sentiment_score":0.055770598351955414},{"text":"Yes.","start":2798.645,"end":2799.145,"sentiment":"neutral","sentiment_score":0.04343477636575699}],"sentiment":"neutral","sentiment_score":0.15698879808187485,"num_words":5,"start":2790.54,"end":2799.145},{"sentences":[{"text":"Correct.","start":2804.9802,"end":2805.4802,"sentiment":"neutral","sentiment_score":0.05971118062734604},{"text":"Correct.","start":2806.58,"end":2807.06,"sentiment":"neutral","sentiment_score":0.06863110512495041},{"text":"Yeah.","start":2807.06,"end":2807.4602,"sentiment":"neutral","sentiment_score":0.05340712517499924},{"text":"Exactly.","start":2807.4602,"end":2807.9602,"sentiment":"neutral","sentiment_score":0.03374065086245537},{"text":"Yeah.","start":2808.34,"end":2808.84,"sentiment":"neutral","sentiment_score":0.010406585410237312}],"sentiment":"neutral","sentiment_score":0.045179329439997674,"num_words":5,"start":2804.9802,"end":2808.84},{"sentences":[{"text":"Correct.","start":2810.6602,"end":2811.1401,"sentiment":"neutral","sentiment_score":0.0026978682726621628},{"text":"Unless you take out some money if you do a compassionate ground claim or something like that, which you haven't done.","start":2811.1401,"end":2817.2402,"sentiment":"neutral","sentiment_score":-0.12105574884584971},{"text":"But no.","start":2817.54,"end":2818.215,"sentiment":"neutral","sentiment_score":-0.12307209521532059},{"text":"Yep.","start":2818.375,"end":2818.7751,"sentiment":"neutral","sentiment_score":-0.011856334283947945},{"text":"Otherwise, that would be those withdrawals.","start":2818.7751,"end":2820.635,"sentiment":"neutral","sentiment_score":-0.0754022765904665}],"sentiment":"neutral","sentiment_score":-0.10483506586282484,"num_words":31,"start":2810.6602,"end":2820.635},{"sentences":[{"text":"You obviously had the fees and and other stuff there as well.","start":2821.8152,"end":2824.2952,"sentiment":"neutral","sentiment_score":-0.053619373589754105},{"text":"But, yeah, that would go through with the that was the the insurance for you.","start":2824.2952,"end":2828.3152,"sentiment":"neutral","sentiment_score":0.12904222657283146},{"text":"Yep.","start":2829.0151,"end":2829.5151,"sentiment":"neutral","sentiment_score":0.1809174120426178},{"text":"Perfect.","start":2829.5752,"end":2830.0752,"sentiment":"positive","sentiment_score":0.4962272644042969},{"text":"Now do you have any other questions before I let you go this afternoon otherwise?","start":2830.135,"end":2834.155,"sentiment":"neutral","sentiment_score":0.08402625719706218}],"sentiment":"neutral","sentiment_score":0.07340316931632432,"num_words":44,"start":2821.8152,"end":2834.155},{"sentences":[{"text":"No?","start":2835.39,"end":2835.89,"sentiment":"neutral","sentiment_score":-0.038653261959552765},{"text":"Yes.","start":2836.43,"end":2836.93,"sentiment":"positive","sentiment_score":0.39781296253204346},{"text":"Oh, good.","start":2838.807,"end":2839.4668,"sentiment":"positive","sentiment_score":0.3621804565191269},{"text":"Yeah.","start":2840.087,"end":2840.587,"sentiment":"neutral","sentiment_score":0.27814993262290955},{"text":"Perfect.","start":2842.2468,"end":2842.7468,"sentiment":"positive","sentiment_score":0.6789945363998413}],"sentiment":"positive","sentiment_score":0.34011084710558254,"num_words":6,"start":2835.39,"end":2842.7468},{"sentences":[{"text":"Me too.","start":2842.807,"end":2843.367,"sentiment":"positive","sentiment_score":0.5074495226144791},{"text":"I hope you have the rest of your afternoon, and I look forward to speaking with you on the '20 first.","start":2843.367,"end":2847.307,"sentiment":"positive","sentiment_score":0.47663119932015735},{"text":"Alright.","start":2848.167,"end":2848.667,"sentiment":"positive","sentiment_score":0.34153687953948975},{"text":"Thanks.","start":2848.7268,"end":2849.2268,"sentiment":"positive","sentiment_score":0.5467051863670349},{"text":"Bye.","start":2849.2869,"end":2849.7869,"sentiment":"neutral","sentiment_score":-0.09283336997032166}],"sentiment":"positive","sentiment_score":0.45459857411109483,"num_words":26,"start":2842.807,"end":2849.7869}]}}]},{"alternatives":[{"transcript":"Hello? Hello? Sorry. I can't hear you. Hello? Yes. I can hear you now. Yes. Hi, Veronica. Good. Just give me one second. I'm just putting my headsets on. Yeah. Can you hear me? Yes. Yeah. Yep. Yes. It's good. Yeah. That's perfectly fine. My full name is Jayesh Agrawal. Date of birth, twenty first September nineteen eighty, and address is 20 Elkhorn Way, Point Cook, Victoria. Yeah. This is work. No. I I did go through the the documents, and I also logged on to Hub 24 portal, and I went through some of the reports there as well. So yeah. And, obviously, I have few questions, but, yeah, we can go through it as we talk. Yep. Yeah. No. That makes sense. Specifically, obviously, the last since July 25, I looked at the performance of the portfolio and it has not been that great. If I just look at simply the investment growth, while in the previous years, it has been around the 10%, maybe even more kind of mark. This year, it has been below 2%. So that is a real concern for me, to be fair. Yep. Yep. Yeah. So are we talking about moving the entire portfolio to BlackRock or just only the managed fund part of it? Yep. Mhmm. Yeah. Yeah. Yeah. No. I think that that makes sense. I think I would probably would want to understand both the options. I don't want too much overhead as well where you have to come back to me for every investment or every change in investment as well. That is that is but but, yeah, I think let's let's understand what it entails and what it would require. So, look, I haven't specifically gone through I don't know if you did send me some information on BlackRock, which particular fund we are talking about, but I didn't really get a chance to go through that to be fair. Sorry. Did you send me some information on that? Or you would have. Right? Oh, okay. Yeah. Right. Yeah. Right. Yeah. Look, I haven't really gone through this document to be fair. So I probably but, yeah, let's I think you can do a research on your end with both the options, and I I can I can go through this document over the next week or so, and we can talk here? We can so how tell me one fundamental thing. So this is so this is still gonna be managed through Hub twenty four as a platform, but by BlackRock's managed fund as an investment vehicle. Right? So it will be not invested directly by Oku into different different portfolio starting, but to align to BlackRock's portfolio strategy daily. That's the fundamental difference I believe there. Fine. Got it. Yep. Yeah. Yeah. No. It makes sense. Okay. Yeah. Got it. Yeah. Sure. Sure. Can I also understand the past performance as well for BlackRock, the particular portfolio you're recommending? Yeah. Or is it already there? Yeah. Yeah. Mhmm. Yeah. Okay. And you'd also be able to give me a comparison between the current portfolio versus the proposed portfolio. Yeah? Sure. Sure. Yeah. Okay. Yep. Mhmm. Alright. So ten days. Yeah. I think the week of thirteenth is pretty crazy as well for me. So yeah. The week of twentieth is is fine. We can do Tuesdays morning hours, if that's okay. The clock changes. Yeah. Could we could we do 09:30 or maybe ten, if that's okay? 10:00? Yeah. Okay. Yep. Sure. Yep. Yeah. The title is different, but yeah. It it's in the IT field. Yeah. It's associate director. Yeah. What do you have on the file right now? Yeah. Yeah. Yeah. So it's approximately the same. Yeah. Yeah. No. I think I would get it on commission as well. Yeah. I would need to find that out. I don't know for sure. Because it's it's commission dependent. It's probably yeah. I'll I'll need to find that out. Yeah. That's a good question. Yeah. Okay. Yeah. So that's another thing I wanted to get some advice on on tax saving. This year, particularly because I am gonna exceed yeah. So, yeah, it's gonna be more than $2.52 70 k, and obviously, additional tax burden. So what options are there? And one thing I was considering was additional super contribution, but obviously, that that money is locked away. But are there other options available? Yeah. But in the if I if I look at my previous five years accrual on the unused, you know, confessional contribution, then I have some room within that. Yeah. Yeah. Yeah. So, yeah, I I have a view of the unused, you know, contributions, but I was wondering if there is if that's the only suggestion or are there any other suggestions from your side? Does it make sense? Yeah. Yeah. Yep. Yep. Yeah. Yeah. Yeah. Yeah. I have a I have an accountant that I deal with. So, yeah, probably, I'll have it out with him. Okay. Yep. Yes. I do. Yep. Yeah. Hospital plus extras. Yeah. Yeah. Yep. No. We we stay in that one or not the page one. Evaluation, about $1,100,000. I think about $6.50 ks. Yeah. I've got one investment property in Rockhampton. Just let me have a look on real estate. Okay. 600 k? Yeah. I have an outstanding mortgage of $242 on it. Yeah. Yeah. I own a car. I think less than 20,000. Yeah. Less than that. Maybe 18,000. Yeah. No. No. I don't own it, but my wife owns, so I wouldn't count that. Yeah. Yeah. Savings savings would be about just give me a second. Yeah. About 150 k. No. So I also invest in shares. So that portfolio right now is about about $1.60 k. I use IG. Yeah. No. That's it. Yeah. Credit card is there. I me and my wife share a credit card. I think the limit on that is, I think, 5,000 or $6,000. Oh, no. We always pay it on time. Yep. Non smoker. Not really. What do you have on card there? Oh, no. I I take I take a couple of medications. So BP medication and diabetes medication as well. Yeah. No. Not insulin. Just a tablet. Was it the general one is type two, I believe. Yeah. So, yeah, it's probably type two. Yeah. No. No. Blood pressure. Yeah. Yeah. Blood pressure. No. No. No. We don't. No. We don't. I so I'm not politically active, but I'm part part of the I'm part of the member the labor labor party. I have a membership with them, but I don't really get involved much. And I I I I I was a resident of India, but obviously, now I'm a resident of Australia. But I have a I have a property there, and I do file tax returns in India. Yeah. Yeah. Yeah. I do earn income, but I've never repatriated it in Australia. The income stays in India, and I filed the tax returns back in India. Yep. Yeah. So traveling is always happening, but, yeah, that's fine. I think this this was pretty old, I think, if I remember all this information. But yeah. But yeah. Probably looking to maybe invest in another property in Australia. And yeah. That's probably probably, yeah, the main thing. Yep. No. That's okay. 65 is to keep keep yourself busy. Yeah. But I don't know about the thousand dollars to be very fair because given inflation and other things, I don't know. A thousand dollars would be relevant at that time. Yeah. Yeah. Yeah. Probably 1,500. Yeah. Yes. Yes. Mhmm. Yeah. So I actually wanted to discuss that. So life, I'm okay. I think one point, it's actually 1.2, closer to 1.2 at this point in time. Income correction looks fine as well, but I wanted to get advice on TPD particularly. Do I really need TPD and that to such a high cover? Because considering my job, I am more like a desk job. I don't go to work at sites or it's not a high risk job and other things. But so whether PPD is really useful or not, and probably wanted to make a call on PPD particularly whether I need it at all. Yeah. But I have both TPD and income protection. So, again, comparing, do I need both? Even if I need both, does the cover that I have currently make sense on TPD specifically? Because it's again the same as life insurance, which is one $200,000 Do I need such a high cover to be there as well, right? So those are some of the questions and yeah. Yep. Yeah. So so do you recommend the is there somebody who can review this for me? Or what what is the guidance from here for yep. Yep. Yep. Yeah. Look, I think again the base premises of the life insurance was again, I'll talk about the life insurance, not particularly TBI was to cover up the liabilities in case of any events that happen. And just looking at the current liabilities, which is sitting around $6.50 ks primarily. And then having three covers, life keeping. I know purpose is different for each of them. I think that's that's the main sort of objective really. Right? Yeah. Correct. So, yeah, I think probably if you can look at it from that lens. And, obviously, my wife works, so she has an income as well. So and and she has a she has an equivalent cover as well. Right? Her cover might be a little less, probably around a million dollars. But, again, she has income protection, TPD, and life insurance as well. So so yeah. Yeah. Correct. So we have we have kind of the same covers. So, yeah, it really doesn't make sense to have such high covers. Yeah. Yeah. Got it. Yeah. Probably yeah. If you could do that and just obviously ensuring that it doesn't really impact because I believe this will hopefully the cover will continue. Right? It's not like taking the new cover out and the previous cover goes away. So yeah. Yes. Right. Yep. Got it. Got Yes. No. I think life is okay. Life is okay as a current 1,200,000. Just it's just the TPD that I'm I want to look at. Yeah? So Right. Okay. And I still have the same color. Sure. Sure. So you you mentioned something in there. Does it mean that you can only avail one of them? So it's either gonna be TPD. Obviously, if the situation is TPD, it's gonna be TPD, but then that rules out life for the next twelve months. Is that what it's okay. Okay. Right. Okay. If you can, yeah, if you can please find that out and let me know. Yeah. Yeah. Yes. Yes. Yeah. Yeah. I think that should be okay. Yep. Yeah. I think I am. Yeah. Yeah. Yep. Yep. Yep. Mhmm. Yes. Yep. Yes, please. Yeah. But that would that would typically mean it would go to I'm just doing a high level calculation. It'll almost go to about about 800 k, maybe even more than that. Yeah. Yeah. Sure. And this figure of one 193,000,000.000 that is inclusive of the 22%. Right? So that's the top line. Right? Yeah. Okay. Yeah. Sure. Sure. One other quick question. Yeah, absolutely, it does. One other quick question, TBD versus an interprotection, are these also both mutually exclusive or they are not? So you could face a scenario where you are unable to work, which is TPD, but then you also end up losing your income. So you get income as well for the durations. Right. Okay. Yep. Yep. So I'll I'll go through that. But has anything changed in terms of terms and conditions or the way structure or the fees or anything at all? Or it's just a continuation of yes. Yep. Yeah. Yep. Yep. I think she's been having some discussions with with Oakview. I don't know who the adviser is, but, yeah, she's she's, yeah, she's busy, so she's taking a bit of time. And her her her super super portfolio is also a little smaller. So, yeah, she just she just figuring whether it it makes sense. Yeah. Yep. Yep. Sure. Yep. Yeah. That that'll be great. I've anyways blocked my calendar for that, but, yeah, reminder text would appreciate that. Just one quick question I had. I was going through the statements. So I just wanted to clarify the withdrawals that are listed. These are the the rollovers that happen, etcetera. These are the payment for the insurances. Right? Is that correct? Okay. So all all the withdrawals are payment for insurance. Right? Okay. Yeah. No. No. Yeah. Yep. Okay. Okay. Hold on. No. I think that was a great chat. Thank you so much. I think it answered a few questions for me and we have some next steps. So I look forward to talk to you on twenty first. Thank you. Yeah. Yes. You too. Thank you so much. 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Hello? Sorry. I can't hear you. Hello?\n\nYes. I can hear you now. Yes. Hi, Veronica. Good.\n\nJust give me one second. I'm just putting my headsets on. Yeah. Can you hear me? Yes.\n\nYeah. Yep. Yes. It's good. Yeah.\n\nThat's perfectly fine. My full name is Jayesh Agrawal. Date of birth, twenty first September nineteen eighty, and address is 20 Elkhorn Way, Point Cook, Victoria. Yeah. This is work.\n\nNo. I I did go through the the documents, and I also logged on to Hub 24 portal, and I went through some of the reports there as well. So yeah. And, obviously, I have few questions, but, yeah, we can go through it as we talk. Yep.\n\nYeah. No. That makes sense. Specifically, obviously, the last since July 25, I looked at the performance of the portfolio and it has not been that great. If I just look at simply the investment growth, while in the previous years, it has been around the 10%, maybe even more kind of mark.\n\nThis year, it has been below 2%. So that is a real concern for me, to be fair. Yep. Yep. Yeah.\n\nSo are we talking about moving the entire portfolio to BlackRock or just only the managed fund part of it? Yep. Mhmm. Yeah. Yeah.\n\nYeah. No. I think that that makes sense. I think I would probably would want to understand both the options. I don't want too much overhead as well where you have to come back to me for every investment or every change in investment as well.\n\nThat is that is but but, yeah, I think let's let's understand what it entails and what it would require. So, look, I haven't specifically gone through I don't know if you did send me some information on BlackRock, which particular fund we are talking about, but I didn't really get a chance to go through that to be fair. Sorry. Did you send me some information on that? Or you would have.\n\nRight? Oh, okay. Yeah. Right. Yeah.\n\nRight. Yeah. Look, I haven't really gone through this document to be fair. So I probably but, yeah, let's I think you can do a research on your end with both the options, and I I can I can go through this document over the next week or so, and we can talk here? We can so how tell me one fundamental thing.\n\nSo this is so this is still gonna be managed through Hub twenty four as a platform, but by BlackRock's managed fund as an investment vehicle. Right? So it will be not invested directly by Oku into different different portfolio starting, but to align to BlackRock's portfolio strategy daily. That's the fundamental difference I believe there. Fine.\n\nGot it. Yep. Yeah. Yeah. No.\n\nIt makes sense. Okay. Yeah. Got it. Yeah.\n\nSure. Sure. Can I also understand the past performance as well for BlackRock, the particular portfolio you're recommending? Yeah. Or is it already there?\n\nYeah. Yeah. Mhmm. Yeah. Okay.\n\nAnd you'd also be able to give me a comparison between the current portfolio versus the proposed portfolio. Yeah? Sure. Sure. Yeah.\n\nOkay. Yep. Mhmm. Alright. So ten days.\n\nYeah. I think the week of thirteenth is pretty crazy as well for me. So yeah. The week of twentieth is is fine. We can do Tuesdays morning hours, if that's okay.\n\nThe clock changes. Yeah. Could we could we do 09:30 or maybe ten, if that's okay? 10:00? Yeah.\n\nOkay. Yep. Sure. Yep. Yeah.\n\nThe title is different, but yeah. It it's in the IT field. Yeah. It's associate director. Yeah.\n\nWhat do you have on the file right now? Yeah. Yeah. Yeah. So it's approximately the same.\n\nYeah. Yeah. No. I think I would get it on commission as well. Yeah.\n\nI would need to find that out. I don't know for sure. Because it's it's commission dependent. It's probably yeah. I'll I'll need to find that out.\n\nYeah. That's a good question. Yeah. Okay. Yeah.\n\nSo that's another thing I wanted to get some advice on on tax saving. This year, particularly because I am gonna exceed yeah. So, yeah, it's gonna be more than $2.52 70 k, and obviously, additional tax burden. So what options are there? And one thing I was considering was additional super contribution, but obviously, that that money is locked away.\n\nBut are there other options available? Yeah. But in the if I if I look at my previous five years accrual on the unused, you know, confessional contribution, then I have some room within that. Yeah. Yeah.\n\nYeah. So, yeah, I I have a view of the unused, you know, contributions, but I was wondering if there is if that's the only suggestion or are there any other suggestions from your side? Does it make sense? Yeah. Yeah.\n\nYep. Yep. Yeah. Yeah. Yeah.\n\nYeah. I have a I have an accountant that I deal with. So, yeah, probably, I'll have it out with him. Okay. Yep.\n\nYes. I do. Yep. Yeah. Hospital plus extras.\n\nYeah. Yeah. Yep. No. We we stay in that one or not the page one.\n\nEvaluation, about $1,100,000. I think about $6.50 ks. Yeah. I've got one investment property in Rockhampton. Just let me have a look on real estate.\n\nOkay. 600 k? Yeah. I have an outstanding mortgage of $242 on it. Yeah.\n\nYeah. I own a car. I think less than 20,000. Yeah. Less than that.\n\nMaybe 18,000. Yeah. No. No. I don't own it, but my wife owns, so I wouldn't count that.\n\nYeah. Yeah. Savings savings would be about just give me a second. Yeah. About 150 k.\n\nNo. So I also invest in shares. So that portfolio right now is about about $1.60 k. I use IG. Yeah.\n\nNo. That's it. Yeah. Credit card is there. I me and my wife share a credit card.\n\nI think the limit on that is, I think, 5,000 or $6,000. Oh, no. We always pay it on time. Yep. Non smoker.\n\nNot really. What do you have on card there? Oh, no. I I take I take a couple of medications. So BP medication and diabetes medication as well.\n\nYeah. No. Not insulin. Just a tablet. Was it the general one is type two, I believe.\n\nYeah. So, yeah, it's probably type two. Yeah. No. No.\n\nBlood pressure. Yeah. Yeah. Blood pressure. No.\n\nNo. No. We don't. No. We don't.\n\nI so I'm not politically active, but I'm part part of the I'm part of the member the labor labor party. I have a membership with them, but I don't really get involved much. And I I I I I was a resident of India, but obviously, now I'm a resident of Australia. But I have a I have a property there, and I do file tax returns in India. Yeah.\n\nYeah. Yeah. I do earn income, but I've never repatriated it in Australia. The income stays in India, and I filed the tax returns back in India. Yep.\n\nYeah. So traveling is always happening, but, yeah, that's fine. I think this this was pretty old, I think, if I remember all this information. But yeah. But yeah.\n\nProbably looking to maybe invest in another property in Australia. And yeah. That's probably probably, yeah, the main thing. Yep. No.\n\nThat's okay. 65 is to keep keep yourself busy. Yeah. But I don't know about the thousand dollars to be very fair because given inflation and other things, I don't know. A thousand dollars would be relevant at that time.\n\nYeah. Yeah. Yeah. Probably 1,500. Yeah.\n\nYes. Yes. Mhmm. Yeah. So I actually wanted to discuss that.\n\nSo life, I'm okay. I think one point, it's actually 1.2, closer to 1.2 at this point in time. Income correction looks fine as well, but I wanted to get advice on TPD particularly. Do I really need TPD and that to such a high cover? Because considering my job, I am more like a desk job.\n\nI don't go to work at sites or it's not a high risk job and other things. But so whether PPD is really useful or not, and probably wanted to make a call on PPD particularly whether I need it at all. Yeah. But I have both TPD and income protection. So, again, comparing, do I need both?\n\nEven if I need both, does the cover that I have currently make sense on TPD specifically? Because it's again the same as life insurance, which is one $200,000 Do I need such a high cover to be there as well, right? So those are some of the questions and yeah. Yep. Yeah.\n\nSo so do you recommend the is there somebody who can review this for me? Or what what is the guidance from here for yep. Yep. Yep. Yeah.\n\nLook, I think again the base premises of the life insurance was again, I'll talk about the life insurance, not particularly TBI was to cover up the liabilities in case of any events that happen. And just looking at the current liabilities, which is sitting around $6.50 ks primarily. And then having three covers, life keeping. I know purpose is different for each of them. I think that's that's the main sort of objective really.\n\nRight? Yeah. Correct. So, yeah, I think probably if you can look at it from that lens. And, obviously, my wife works, so she has an income as well.\n\nSo and and she has a she has an equivalent cover as well. Right? Her cover might be a little less, probably around a million dollars. But, again, she has income protection, TPD, and life insurance as well. So so yeah.\n\nYeah. Correct. So we have we have kind of the same covers. So, yeah, it really doesn't make sense to have such high covers. Yeah.\n\nYeah. Got it. Yeah. Probably yeah. If you could do that and just obviously ensuring that it doesn't really impact because I believe this will hopefully the cover will continue.\n\nRight? It's not like taking the new cover out and the previous cover goes away. So yeah. Yes. Right.\n\nYep. Got it. Got Yes. No. I think life is okay.\n\nLife is okay as a current 1,200,000. Just it's just the TPD that I'm I want to look at. Yeah? So Right. Okay.\n\nAnd I still have the same color. Sure. Sure. So you you mentioned something in there. Does it mean that you can only avail one of them?\n\nSo it's either gonna be TPD. Obviously, if the situation is TPD, it's gonna be TPD, but then that rules out life for the next twelve months. Is that what it's okay. Okay. Right.\n\nOkay. If you can, yeah, if you can please find that out and let me know. Yeah. Yeah. Yes.\n\nYes. Yeah. Yeah. I think that should be okay. Yep.\n\nYeah. I think I am. Yeah. Yeah. Yep.\n\nYep. Yep. Mhmm. Yes. Yep.\n\nYes, please. Yeah. But that would that would typically mean it would go to I'm just doing a high level calculation. It'll almost go to about about 800 k, maybe even more than that. Yeah.\n\nYeah. Sure. And this figure of one 193,000,000.000 that is inclusive of the 22%. Right? So that's the top line.\n\nRight? Yeah. Okay. Yeah. Sure.\n\nSure. One other quick question. Yeah, absolutely, it does. One other quick question, TBD versus an interprotection, are these also both mutually exclusive or they are not? So you could face a scenario where you are unable to work, which is TPD, but then you also end up losing your income.\n\nSo you get income as well for the durations. Right. Okay. Yep. Yep.\n\nSo I'll I'll go through that. But has anything changed in terms of terms and conditions or the way structure or the fees or anything at all? Or it's just a continuation of yes. Yep. Yeah.\n\nYep. Yep. I think she's been having some discussions with with Oakview. I don't know who the adviser is, but, yeah, she's she's, yeah, she's busy, so she's taking a bit of time. And her her her super super portfolio is also a little smaller.\n\nSo, yeah, she just she just figuring whether it it makes sense. Yeah. Yep. Yep. Sure.\n\nYep. Yeah. That that'll be great. I've anyways blocked my calendar for that, but, yeah, reminder text would appreciate that. Just one quick question I had.\n\nI was going through the statements. So I just wanted to clarify the withdrawals that are listed. These are the the rollovers that happen, etcetera. These are the payment for the insurances. Right?\n\nIs that correct? Okay. So all all the withdrawals are payment for insurance. Right? Okay.\n\nYeah. No. No. Yeah. Yep.\n\nOkay. Okay. Hold on. No. I think that was a great chat.\n\nThank you so much. I think it answered a few questions for me and we have some next steps. So I look forward to talk to you on twenty first. Thank you. Yeah.\n\nYes. You too. Thank you so much. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.52,"end":2.02,"sentiment":"neutral","sentiment_score":0.028475522994995117},{"text":"Hello?","start":5.12,"end":5.62,"sentiment":"neutral","sentiment_score":0.00228531495667994},{"text":"Sorry.","start":5.8399997,"end":6.16,"sentiment":"neutral","sentiment_score":-0.11347012966871262},{"text":"I can't hear you.","start":6.16,"end":7.04,"sentiment":"neutral","sentiment_score":-0.17872092872858047},{"text":"Hello?","start":7.04,"end":7.54,"sentiment":"neutral","sentiment_score":-0.044891681522130966}],"sentiment":"neutral","sentiment_score":-0.1053105860191863,"num_words":8,"start":1.52,"end":7.54},{"sentences":[{"text":"Yes.","start":9.679999,"end":9.92,"sentiment":"neutral","sentiment_score":-0.00986265018582344},{"text":"I can hear you now.","start":9.92,"end":11.059999,"sentiment":"neutral","sentiment_score":-0.015993036702275275},{"text":"Yes.","start":12.655,"end":13.155,"sentiment":"neutral","sentiment_score":0.03563985228538513},{"text":"Hi, Veronica.","start":17.055,"end":17.935,"sentiment":"neutral","sentiment_score":0.10216377675533295},{"text":"Good.","start":17.935,"end":18.335,"sentiment":"positive","sentiment_score":0.3537943363189697}],"sentiment":"neutral","sentiment_score":0.05039339084178209,"num_words":10,"start":9.679999,"end":18.335},{"sentences":[{"text":"Just give me one second.","start":18.335,"end":19.135,"sentiment":"neutral","sentiment_score":0.20005658864974976},{"text":"I'm just putting my headsets on.","start":19.135,"end":20.675,"sentiment":"neutral","sentiment_score":0.08263018727302551},{"text":"Yeah.","start":27.135,"end":27.51,"sentiment":"neutral","sentiment_score":0.033353276550769806},{"text":"Can you hear me?","start":28.07,"end":29.05,"sentiment":"neutral","sentiment_score":0.013020295416936278},{"text":"Yes.","start":30.95,"end":31.45,"sentiment":"neutral","sentiment_score":0.05540800467133522}],"sentiment":"neutral","sentiment_score":0.09628861939863247,"num_words":17,"start":18.335,"end":31.45},{"sentences":[{"text":"Yeah.","start":31.67,"end":32.17,"sentiment":"neutral","sentiment_score":0.08935625851154327},{"text":"Yep.","start":40.635,"end":41.135,"sentiment":"neutral","sentiment_score":0.27026426792144775},{"text":"Yes.","start":43.995,"end":44.495,"sentiment":"neutral","sentiment_score":0.31596821546554565},{"text":"It's good.","start":44.635,"end":45.375,"sentiment":"positive","sentiment_score":0.44193194806575775},{"text":"Yeah.","start":55.760002,"end":55.920002,"sentiment":"neutral","sentiment_score":0.16587163507938385}],"sentiment":"neutral","sentiment_score":0.2875540455182393,"num_words":6,"start":31.67,"end":55.920002},{"sentences":[{"text":"That's perfectly fine.","start":55.920002,"end":68.08,"sentiment":"neutral","sentiment_score":0.1848667562007904},{"text":"My full name is Jayesh Agrawal.","start":68.08,"end":69.520004,"sentiment":"neutral","sentiment_score":0.0585390143096447},{"text":"Date of birth, twenty first September nineteen eighty, and address is 20 Elkhorn Way, Point Cook, Victoria.","start":69.520004,"end":75.025,"sentiment":"neutral","sentiment_score":0.06730363934355624},{"text":"Yeah.","start":80.365005,"end":80.685005,"sentiment":"neutral","sentiment_score":0.09521305561065674},{"text":"This is work.","start":80.685005,"end":81.745,"sentiment":"neutral","sentiment_score":0.12887116024891535}],"sentiment":"neutral","sentiment_score":0.08439409198860327,"num_words":30,"start":55.920002,"end":81.745},{"sentences":[{"text":"No.","start":110.67,"end":110.909996,"sentiment":"neutral","sentiment_score":-0.0058848243206739426},{"text":"I I did go through the the documents, and I also logged on to Hub 24 portal, and I went through some of the reports there as well.","start":110.909996,"end":121.229996,"sentiment":"neutral","sentiment_score":0.03743761032819748},{"text":"So yeah.","start":121.229996,"end":121.869995,"sentiment":"neutral","sentiment_score":0.10023526474833488},{"text":"And, obviously, I have few questions, but, yeah, we can go through it as we talk.","start":121.869995,"end":125.649994,"sentiment":"neutral","sentiment_score":0.19538409356027842},{"text":"Yep.","start":178.83,"end":179.205,"sentiment":"neutral","sentiment_score":0.06982051581144333}],"sentiment":"neutral","sentiment_score":0.09247510014877965,"num_words":48,"start":110.67,"end":179.205},{"sentences":[{"text":"Yeah.","start":180.965,"end":181.205,"sentiment":"neutral","sentiment_score":0.0025582686066627502},{"text":"No.","start":181.205,"end":181.445,"sentiment":"neutral","sentiment_score":-0.056405209004879},{"text":"That makes sense.","start":181.445,"end":182.425,"sentiment":"neutral","sentiment_score":0.008170558139681816},{"text":"Specifically, obviously, the last since July 25, I looked at the performance of the portfolio and it has not been that great.","start":182.965,"end":193.51,"sentiment":"neutral","sentiment_score":-0.09180494677275419},{"text":"If I just look at simply the investment growth, while in the previous years, it has been around the 10%, maybe even more kind of mark.","start":193.89,"end":203.895,"sentiment":"neutral","sentiment_score":-0.05947599251969503}],"sentiment":"neutral","sentiment_score":-0.0678381113300346,"num_words":53,"start":180.965,"end":203.895},{"sentences":[{"text":"This year, it has been below 2%.","start":203.975,"end":206.375,"sentiment":"neutral","sentiment_score":-0.20149225635187967},{"text":"So that is a real concern for me, to be fair.","start":206.375,"end":209.35501,"sentiment":"neutral","sentiment_score":-0.2998463768850673},{"text":"Yep.","start":283.465,"end":283.965,"sentiment":"neutral","sentiment_score":0.17683497071266174},{"text":"Yep.","start":319.50998,"end":320.00998,"sentiment":"positive","sentiment_score":0.4482939839363098},{"text":"Yeah.","start":398.4,"end":398.9,"sentiment":"neutral","sentiment_score":0.04345595836639404}],"sentiment":"neutral","sentiment_score":-0.19238909653254918,"num_words":21,"start":203.975,"end":398.9},{"sentences":[{"text":"So are we talking about moving the entire portfolio to BlackRock or just only the managed fund part of it?","start":400.635,"end":408.335,"sentiment":"neutral","sentiment_score":0.03937390753999352},{"text":"Yep.","start":433.005,"end":433.505,"sentiment":"neutral","sentiment_score":0.0670354813337326},{"text":"Mhmm.","start":471.61002,"end":472.11002,"sentiment":"neutral","sentiment_score":0.007681923452764749},{"text":"Yeah.","start":483.305,"end":483.805,"sentiment":"neutral","sentiment_score":0.1769411265850067},{"text":"Yeah.","start":486.185,"end":486.585,"sentiment":"neutral","sentiment_score":0.2384595572948456}],"sentiment":"neutral","sentiment_score":0.05323317664442584,"num_words":24,"start":400.635,"end":486.585},{"sentences":[{"text":"Yeah.","start":486.585,"end":486.905,"sentiment":"neutral","sentiment_score":0.09948168694972992},{"text":"No.","start":486.905,"end":487.145,"sentiment":"neutral","sentiment_score":-0.04650525376200676},{"text":"I think that that makes sense.","start":487.145,"end":488.50497,"sentiment":"neutral","sentiment_score":0.0327829842766126},{"text":"I think I would probably would want to understand both the options.","start":488.50497,"end":491.32498,"sentiment":"neutral","sentiment_score":0.15959876527388892},{"text":"I don't want too much overhead as well where you have to come back to me for every investment or every change in investment as well.","start":492.59998,"end":499.47998,"sentiment":"neutral","sentiment_score":-0.04809376067267014}],"sentiment":"neutral","sentiment_score":0.019878733579231346,"num_words":46,"start":486.585,"end":499.47998},{"sentences":[{"text":"That is that is but but, yeah, I think let's let's understand what it entails and what it would require.","start":499.47998,"end":506.69998,"sentiment":"neutral","sentiment_score":0.014645116403698921},{"text":"So, look, I haven't specifically gone through I don't know if you did send me some information on BlackRock, which particular fund we are talking about, but I didn't really get a chance to go through that to be fair.","start":507.625,"end":518.365,"sentiment":"neutral","sentiment_score":-0.05724927019327879},{"text":"Sorry.","start":520.34503,"end":520.745,"sentiment":"neutral","sentiment_score":-0.10933828353881836},{"text":"Did you send me some information on that?","start":520.745,"end":522.42,"sentiment":"neutral","sentiment_score":-0.055709040723741055},{"text":"Or you would have.","start":522.66,"end":523.38,"sentiment":"neutral","sentiment_score":-0.037946815602481365}],"sentiment":"neutral","sentiment_score":-0.03703926508761432,"num_words":73,"start":499.47998,"end":523.38},{"sentences":[{"text":"Right?","start":523.38,"end":523.88,"sentiment":"neutral","sentiment_score":-0.01348605379462242},{"text":"Oh, okay.","start":523.94,"end":524.83997,"sentiment":"neutral","sentiment_score":0.02577851712703705},{"text":"Yeah.","start":536.89996,"end":537.375,"sentiment":"neutral","sentiment_score":0.01644841581583023},{"text":"Right.","start":540.495,"end":540.995,"sentiment":"neutral","sentiment_score":0.01868312433362007},{"text":"Yeah.","start":567.325,"end":567.825,"sentiment":"neutral","sentiment_score":0.123054176568985}],"sentiment":"neutral","sentiment_score":0.03270944952964783,"num_words":6,"start":523.38,"end":567.825},{"sentences":[{"text":"Right.","start":586.86,"end":587.235,"sentiment":"neutral","sentiment_score":-0.010002806782722471},{"text":"Yeah.","start":588.195,"end":588.435,"sentiment":"neutral","sentiment_score":0.008663281798362732},{"text":"Look, I haven't really gone through this document to be fair.","start":588.435,"end":591.475,"sentiment":"neutral","sentiment_score":-0.1471979289569638},{"text":"So I probably but, yeah, let's I think you can do a research on your end with both the options, and I I can I can go through this document over the next week or so, and we can talk here?","start":591.475,"end":603.31,"sentiment":"neutral","sentiment_score":0.03324522073494225},{"text":"We can so how tell me one fundamental thing.","start":603.85,"end":606.58997,"sentiment":"neutral","sentiment_score":0.0373693849477503}],"sentiment":"neutral","sentiment_score":0.0012517741452606897,"num_words":63,"start":586.86,"end":606.58997},{"sentences":[{"text":"So this is so this is still gonna be managed through Hub twenty four as a platform, but by BlackRock's managed fund as an investment vehicle.","start":607.29,"end":620.165,"sentiment":"neutral","sentiment_score":0.059591240607775174},{"text":"Right?","start":620.165,"end":620.245,"sentiment":"neutral","sentiment_score":0.049283210188150406},{"text":"So it will be not invested directly by Oku into different different portfolio starting, but to align to BlackRock's portfolio strategy daily.","start":620.245,"end":632.45,"sentiment":"neutral","sentiment_score":0.04687975617972287},{"text":"That's the fundamental difference I believe there.","start":632.45,"end":634.55,"sentiment":"neutral","sentiment_score":0.024710890970059803},{"text":"Fine.","start":644.39496,"end":644.89496,"sentiment":"neutral","sentiment_score":0.16546133160591123}],"sentiment":"neutral","sentiment_score":0.05207802930421997,"num_words":57,"start":607.29,"end":644.89496},{"sentences":[{"text":"Got it.","start":669.505,"end":670.225,"sentiment":"neutral","sentiment_score":0.14014571905136108},{"text":"Yep.","start":670.225,"end":670.725,"sentiment":"neutral","sentiment_score":0.14965853095054626},{"text":"Yeah.","start":673.185,"end":673.345,"sentiment":"neutral","sentiment_score":0.1144355833530426},{"text":"Yeah.","start":673.345,"end":673.505,"sentiment":"neutral","sentiment_score":0.07797066122293472},{"text":"No.","start":673.505,"end":673.58496,"sentiment":"neutral","sentiment_score":-0.017849557101726532}],"sentiment":"neutral","sentiment_score":0.1007511094212532,"num_words":6,"start":669.505,"end":673.58496},{"sentences":[{"text":"It makes sense.","start":673.58496,"end":674.225,"sentiment":"neutral","sentiment_score":0.09267137199640274},{"text":"Okay.","start":674.225,"end":674.625,"sentiment":"neutral","sentiment_score":0.19919532537460327},{"text":"Yeah.","start":674.625,"end":674.865,"sentiment":"neutral","sentiment_score":0.3117832541465759},{"text":"Got it.","start":674.865,"end":675.605,"sentiment":"positive","sentiment_score":0.5182201415300369},{"text":"Yeah.","start":693.89,"end":694.155,"sentiment":"positive","sentiment_score":0.3822563290596008}],"sentiment":"neutral","sentiment_score":0.27596116345375776,"num_words":8,"start":673.58496,"end":694.155},{"sentences":[{"text":"Sure.","start":704.395,"end":704.79504,"sentiment":"neutral","sentiment_score":0.21924425661563873},{"text":"Sure.","start":704.79504,"end":705.03503,"sentiment":"neutral","sentiment_score":0.18924649059772491},{"text":"Can I also understand the past performance as well for BlackRock, the particular portfolio you're recommending?","start":705.03503,"end":710.94,"sentiment":"neutral","sentiment_score":0.14930276991799474},{"text":"Yeah.","start":710.94,"end":711.26,"sentiment":"neutral","sentiment_score":0.029390398412942886},{"text":"Or is it already there?","start":711.26,"end":712.56006,"sentiment":"neutral","sentiment_score":0.014149971306324005}],"sentiment":"neutral","sentiment_score":0.12072813836857677,"num_words":24,"start":704.395,"end":712.56006},{"sentences":[{"text":"Yeah.","start":715.9,"end":716.4,"sentiment":"neutral","sentiment_score":0.11137612909078598},{"text":"Yeah.","start":728.39496,"end":728.89496,"sentiment":"neutral","sentiment_score":0.003246370702981949},{"text":"Mhmm.","start":747.45,"end":747.915,"sentiment":"neutral","sentiment_score":0.10928086936473846},{"text":"Yeah.","start":752.15497,"end":752.65497,"sentiment":"neutral","sentiment_score":0.10733088105916976},{"text":"Okay.","start":752.875,"end":753.375,"sentiment":"neutral","sentiment_score":0.14111512899398804}],"sentiment":"neutral","sentiment_score":0.09446987584233284,"num_words":5,"start":715.9,"end":753.375},{"sentences":[{"text":"And you'd also be able to give me a comparison between the current portfolio versus the proposed portfolio.","start":754.39496,"end":762.33496,"sentiment":"neutral","sentiment_score":0.16271802907188734},{"text":"Yeah?","start":762.475,"end":762.975,"sentiment":"neutral","sentiment_score":0.10595904290676116},{"text":"Sure.","start":790.47504,"end":790.86,"sentiment":"neutral","sentiment_score":0.15305030345916748},{"text":"Sure.","start":790.86,"end":791.36,"sentiment":"neutral","sentiment_score":0.14483532309532166},{"text":"Yeah.","start":791.82,"end":792.32,"sentiment":"neutral","sentiment_score":0.10184608399868011}],"sentiment":"neutral","sentiment_score":0.15611887621608647,"num_words":22,"start":754.39496,"end":792.32},{"sentences":[{"text":"Okay.","start":792.45996,"end":792.95996,"sentiment":"neutral","sentiment_score":0.09670762717723846},{"text":"Yep.","start":798.7,"end":799.2,"sentiment":"neutral","sentiment_score":0.12422709912061693},{"text":"Mhmm.","start":800.38,"end":800.88,"sentiment":"neutral","sentiment_score":0.011685555800795557},{"text":"Alright.","start":815.095,"end":815.495,"sentiment":"neutral","sentiment_score":0.05219733715057373},{"text":"So ten days.","start":815.495,"end":816.475,"sentiment":"neutral","sentiment_score":0.03692628319064776}],"sentiment":"neutral","sentiment_score":0.05651378126016685,"num_words":7,"start":792.45996,"end":816.475},{"sentences":[{"text":"Yeah.","start":818.23,"end":818.39,"sentiment":"neutral","sentiment_score":-0.0007734131067991257},{"text":"I think the week of thirteenth is pretty crazy as well for me.","start":818.39,"end":823.03,"sentiment":"neutral","sentiment_score":-0.07067001353089626},{"text":"So yeah.","start":823.03,"end":825.51,"sentiment":"neutral","sentiment_score":0.0400763638317585},{"text":"The week of twentieth is is fine.","start":825.51,"end":828.09,"sentiment":"neutral","sentiment_score":0.0672224515250751},{"text":"We can do Tuesdays morning hours, if that's okay.","start":833.04504,"end":838.10504,"sentiment":"neutral","sentiment_score":0.0741514696015252}],"sentiment":"neutral","sentiment_score":0.009330922679509968,"num_words":32,"start":818.23,"end":838.10504},{"sentences":[{"text":"The clock changes.","start":852.42,"end":853.45996,"sentiment":"neutral","sentiment_score":-0.005300241522490978},{"text":"Yeah.","start":853.45996,"end":853.95996,"sentiment":"neutral","sentiment_score":0.15077929198741913},{"text":"Could we could we do 09:30 or maybe ten, if that's okay?","start":857.985,"end":861.205,"sentiment":"neutral","sentiment_score":0.047871364591022335},{"text":"10:00?","start":862.465,"end":863.185,"sentiment":"neutral","sentiment_score":0.0385013222694397},{"text":"Yeah.","start":863.185,"end":863.685,"sentiment":"neutral","sentiment_score":0.06026802957057953}],"sentiment":"neutral","sentiment_score":0.044894683019568525,"num_words":18,"start":852.42,"end":863.685},{"sentences":[{"text":"Okay.","start":870.065,"end":870.565,"sentiment":"positive","sentiment_score":0.5599575042724609},{"text":"Yep.","start":883.94,"end":884.205,"sentiment":"neutral","sentiment_score":0.3077850937843323},{"text":"Sure.","start":905.64,"end":906.14,"sentiment":"neutral","sentiment_score":0.05157061666250229},{"text":"Yep.","start":921.455,"end":921.955,"sentiment":"neutral","sentiment_score":0.01582883484661579},{"text":"Yeah.","start":922.255,"end":922.495,"sentiment":"neutral","sentiment_score":-0.0021129976958036423}],"sentiment":"neutral","sentiment_score":0.18660581037402152,"num_words":5,"start":870.065,"end":922.495},{"sentences":[{"text":"The title is different, but yeah.","start":922.495,"end":924.255,"sentiment":"neutral","sentiment_score":-0.039920163030425705},{"text":"It it's in the IT field.","start":924.255,"end":925.71497,"sentiment":"neutral","sentiment_score":-0.005127000467230876},{"text":"Yeah.","start":925.775,"end":926.13,"sentiment":"neutral","sentiment_score":-0.001956137828528881},{"text":"It's associate director.","start":929.17,"end":930.47003,"sentiment":"neutral","sentiment_score":-0.0095094945281744},{"text":"Yeah.","start":936.45,"end":936.95,"sentiment":"neutral","sentiment_score":0.020337486639618874}],"sentiment":"neutral","sentiment_score":-0.016495889162316042,"num_words":17,"start":922.495,"end":936.95},{"sentences":[{"text":"What do you have on the file right now?","start":943.48505,"end":945.825,"sentiment":"neutral","sentiment_score":0.012160202695263756},{"text":"Yeah.","start":948.84503,"end":949.34503,"sentiment":"neutral","sentiment_score":0.007518164347857237},{"text":"Yeah.","start":950.205,"end":950.445,"sentiment":"neutral","sentiment_score":0.02220926247537136},{"text":"Yeah.","start":950.445,"end":950.765,"sentiment":"neutral","sentiment_score":0.030184388160705566},{"text":"So it's approximately the same.","start":950.765,"end":952.685,"sentiment":"neutral","sentiment_score":0.056068464368581775}],"sentiment":"neutral","sentiment_score":0.026452703593189224,"num_words":17,"start":943.48505,"end":952.685},{"sentences":[{"text":"Yeah.","start":952.685,"end":953.185,"sentiment":"neutral","sentiment_score":0.10820363461971284},{"text":"Yeah.","start":954.12994,"end":954.62994,"sentiment":"neutral","sentiment_score":0.07092227041721344},{"text":"No.","start":967.32996,"end":967.56995,"sentiment":"neutral","sentiment_score":-0.056796275079250336},{"text":"I think I would get it on commission as well.","start":967.56995,"end":969.555,"sentiment":"neutral","sentiment_score":-0.04588493499904871},{"text":"Yeah.","start":971.235,"end":971.735,"sentiment":"neutral","sentiment_score":0.12915796041488647}],"sentiment":"neutral","sentiment_score":-0.014811554258423192,"num_words":14,"start":952.685,"end":971.735},{"sentences":[{"text":"I would need to find that out.","start":1017.17,"end":1019.17,"sentiment":"neutral","sentiment_score":-0.1530852253947939},{"text":"I don't know for sure.","start":1019.17,"end":1020.59503,"sentiment":"neutral","sentiment_score":-0.16023243069648743},{"text":"Because it's it's commission dependent.","start":1021.135,"end":1022.835,"sentiment":"neutral","sentiment_score":-0.06575291529297829},{"text":"It's probably yeah.","start":1022.895,"end":1024.495,"sentiment":"neutral","sentiment_score":-0.07407607634862264},{"text":"I'll I'll need to find that out.","start":1024.495,"end":1025.855,"sentiment":"neutral","sentiment_score":-0.04667336759822709}],"sentiment":"neutral","sentiment_score":-0.1018690781460868,"num_words":27,"start":1017.17,"end":1025.855},{"sentences":[{"text":"Yeah.","start":1025.855,"end":1026.095,"sentiment":"neutral","sentiment_score":0.01988031156361103},{"text":"That's a good question.","start":1026.095,"end":1027.0751,"sentiment":"neutral","sentiment_score":0.1227901354432106},{"text":"Yeah.","start":1027.215,"end":1027.715,"sentiment":"neutral","sentiment_score":0.07152444124221802},{"text":"Okay.","start":1049.83,"end":1050.135,"sentiment":"neutral","sentiment_score":0.10374851524829865},{"text":"Yeah.","start":1057.015,"end":1057.255,"sentiment":"neutral","sentiment_score":-0.003918580710887909}],"sentiment":"neutral","sentiment_score":0.08529940363951027,"num_words":8,"start":1025.855,"end":1057.255},{"sentences":[{"text":"So that's another thing I wanted to get some advice on on tax saving.","start":1057.255,"end":1062.235,"sentiment":"neutral","sentiment_score":-0.00849815001233115},{"text":"This year, particularly because I am gonna exceed yeah.","start":1063.095,"end":1068.15,"sentiment":"neutral","sentiment_score":-0.1121746293372578},{"text":"So, yeah, it's gonna be more than $2.52 70 k, and obviously, additional tax burden.","start":1068.15,"end":1074.09,"sentiment":"neutral","sentiment_score":-0.109486685693264},{"text":"So what options are there?","start":1074.55,"end":1076.23,"sentiment":"neutral","sentiment_score":-0.021524204686284066},{"text":"And one thing I was considering was additional super contribution, but obviously, that that money is locked away.","start":1076.23,"end":1081.725,"sentiment":"neutral","sentiment_score":-0.0700835089923607}],"sentiment":"neutral","sentiment_score":-0.06786836450657098,"num_words":61,"start":1057.255,"end":1081.725},{"sentences":[{"text":"But are there other options available?","start":1081.725,"end":1084.3849,"sentiment":"neutral","sentiment_score":0.020012508146464825},{"text":"Yeah.","start":1122.0499,"end":1122.21,"sentiment":"neutral","sentiment_score":-0.06554056704044342},{"text":"But in the if I if I look at my previous five years accrual on the unused, you know, confessional contribution, then I have some room within 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$1,100,000.","start":1267.45,"end":1272.75,"sentiment":"neutral","sentiment_score":0.017444009892642498},{"text":"I think about $6.50 ks.","start":1280.335,"end":1282.765,"sentiment":"neutral","sentiment_score":0.015967416018247603},{"text":"Yeah.","start":1289.17,"end":1289.41,"sentiment":"neutral","sentiment_score":0.03636160120368004},{"text":"I've got one investment property in Rockhampton.","start":1289.41,"end":1291.59,"sentiment":"neutral","sentiment_score":0.049739355487482886},{"text":"Just let me have a look on real estate.","start":1297.5701,"end":1301.03,"sentiment":"neutral","sentiment_score":0.03305847073594729}],"sentiment":"neutral","sentiment_score":0.03256929744035006,"num_words":25,"start":1267.45,"end":1301.03},{"sentences":[{"text":"Okay.","start":1311.645,"end":1312.145,"sentiment":"neutral","sentiment_score":0.03542736917734146},{"text":"600 k?","start":1313.005,"end":1318.78,"sentiment":"neutral","sentiment_score":0.024355161003768444},{"text":"Yeah.","start":1318.78,"end":1319.1001,"sentiment":"neutral","sentiment_score":0.030820762738585472},{"text":"I have an outstanding mortgage of $242 on it.","start":1319.1001,"end":1325.42,"sentiment":"neutral","sentiment_score":0.039076813186208405},{"text":"Yeah.","start":1325.42,"end":1325.92,"sentiment":"neutral","sentiment_score":0.026852846145629883}],"sentiment":"neutral","sentiment_score":0.0352501870532121,"num_words":14,"start":1311.645,"end":1325.92},{"sentences":[{"text":"Yeah.","start":1330.875,"end":1331.195,"sentiment":"neutral","sentiment_score":0.030716734007000923},{"text":"I own a car.","start":1331.195,"end":1332.255,"sentiment":"neutral","sentiment_score":0.034196240827441216},{"text":"I think less than 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that.","start":1716.8251,"end":1719.885,"sentiment":"neutral","sentiment_score":0.028690593051058904}],"sentiment":"neutral","sentiment_score":0.030632359145039863,"num_words":11,"start":1701.7999,"end":1719.885},{"sentences":[{"text":"So life, I'm okay.","start":1720.025,"end":1721.625,"sentiment":"neutral","sentiment_score":0.05107239633798599},{"text":"I think one point, it's actually 1.2, closer to 1.2 at this point in time.","start":1721.625,"end":1727.49,"sentiment":"neutral","sentiment_score":0.007064760864401857},{"text":"Income correction looks fine as well, but I wanted to get advice on TPD particularly.","start":1729.55,"end":1736.355,"sentiment":"neutral","sentiment_score":0.11114438424507776},{"text":"Do I really need TPD and that to such a high cover?","start":1737.535,"end":1742.095,"sentiment":"neutral","sentiment_score":0.02143558704604705},{"text":"Because considering my job, I am more like a desk 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both?","start":1915.605,"end":1919.225,"sentiment":"neutral","sentiment_score":0.0038750151704464637}],"sentiment":"neutral","sentiment_score":0.033443197816738796,"num_words":58,"start":1749.51,"end":1919.225},{"sentences":[{"text":"Even if I need both, does the cover that I have currently make sense on TPD specifically?","start":1920.1901,"end":1925.4701,"sentiment":"neutral","sentiment_score":-0.06077724344590131},{"text":"Because it's again the same as life insurance, which is one $200,000 Do I need such a high cover to be there as well, right?","start":1925.4701,"end":1932.4501,"sentiment":"neutral","sentiment_score":-0.04023680403828621},{"text":"So those are some of the questions and yeah.","start":1933.485,"end":1936.305,"sentiment":"neutral","sentiment_score":0.007169581328829129},{"text":"Yep.","start":1964.655,"end":1965.155,"sentiment":"neutral","sentiment_score":-0.13728207349777222},{"text":"Yeah.","start":2058.1602,"end":2058.6602,"sentiment":"neutral","sentiment_score":0.043456148356199265}],"sentiment":"neutral","sentiment_score":-0.039027036466407324,"num_words":53,"start":1920.1901,"end":2058.6602},{"sentences":[{"text":"So so do you recommend the is there somebody who can review this for me?","start":2059.035,"end":2065.515,"sentiment":"neutral","sentiment_score":0.11096234694123268},{"text":"Or what what is the guidance from here for yep.","start":2065.515,"end":2074.41,"sentiment":"neutral","sentiment_score":0.1101814441382885},{"text":"Yep.","start":2083.0498,"end":2083.5498,"sentiment":"neutral","sentiment_score":0.05609656125307083},{"text":"Yep.","start":2087.8499,"end":2088.165,"sentiment":"neutral","sentiment_score":0.12609681487083435},{"text":"Yeah.","start":2096.805,"end":2097.2852,"sentiment":"neutral","sentiment_score":0.0901755690574646}],"sentiment":"neutral","sentiment_score":0.10852209252438375,"num_words":28,"start":2059.035,"end":2097.2852},{"sentences":[{"text":"Look, I think again the base premises of the life insurance was again, I'll talk about the life insurance, not particularly TBI was to cover up the liabilities in case of any events that happen.","start":2097.2852,"end":2111.63,"sentiment":"neutral","sentiment_score":0.07391919075910534},{"text":"And just looking at the current liabilities, which is sitting around $6.50 ks primarily.","start":2111.93,"end":2116.91,"sentiment":"neutral","sentiment_score":-0.005207015823024059},{"text":"And then having three covers, life keeping.","start":2118.395,"end":2121.115,"sentiment":"neutral","sentiment_score":0.014526780295584883},{"text":"I know purpose is different for each of them.","start":2121.115,"end":2123.215,"sentiment":"neutral","sentiment_score":0.009206095296475623},{"text":"I think that's that's the main sort of objective really.","start":2125.515,"end":2128.175,"sentiment":"neutral","sentiment_score":0.07422803454101086}],"sentiment":"neutral","sentiment_score":0.045881281602584444,"num_words":75,"start":2097.2852,"end":2128.175},{"sentences":[{"text":"Right?","start":2128.2349,"end":2128.7349,"sentiment":"neutral","sentiment_score":0.03295277804136276},{"text":"Yeah.","start":2129.915,"end":2130.315,"sentiment":"neutral","sentiment_score":0.09337788075208664},{"text":"Correct.","start":2130.315,"end":2130.815,"sentiment":"neutral","sentiment_score":0.12663373351097107},{"text":"So, yeah, I think probably if you can look at it from that lens.","start":2130.875,"end":2134.54,"sentiment":"neutral","sentiment_score":0.08147803800446647},{"text":"And, obviously, my wife works, so she has an income as well.","start":2134.6,"end":2139.08,"sentiment":"neutral","sentiment_score":0.08128202830751736}],"sentiment":"neutral","sentiment_score":0.08169107807093653,"num_words":29,"start":2128.2349,"end":2139.08},{"sentences":[{"text":"So and and she has a she has an equivalent cover as well.","start":2139.08,"end":2142.36,"sentiment":"neutral","sentiment_score":0.07427167519927025},{"text":"Right?","start":2142.36,"end":2142.86,"sentiment":"neutral","sentiment_score":0.05047405883669853},{"text":"Her cover might be a little less, probably around a million dollars.","start":2142.92,"end":2145.705,"sentiment":"neutral","sentiment_score":0.024775101027141016},{"text":"But, again, she has income protection, TPD, and life insurance as well.","start":2145.865,"end":2150.7651,"sentiment":"neutral","sentiment_score":0.041620111713806786},{"text":"So so yeah.","start":2152.185,"end":2153.0652,"sentiment":"neutral","sentiment_score":0.00033642910420894623}],"sentiment":"neutral","sentiment_score":0.0442379921129564,"num_words":41,"start":2139.08,"end":2153.0652},{"sentences":[{"text":"Yeah.","start":2153.0652,"end":2153.5652,"sentiment":"neutral","sentiment_score":0.02954736724495888},{"text":"Correct.","start":2153.625,"end":2154.0251,"sentiment":"neutral","sentiment_score":0.05060415714979172},{"text":"So we have we have kind of the same covers.","start":2154.0251,"end":2156.2852,"sentiment":"neutral","sentiment_score":-0.002334013395011425},{"text":"So, yeah, it really doesn't make sense to have such high covers.","start":2158.44,"end":2162.22,"sentiment":"neutral","sentiment_score":-0.10785355387876432},{"text":"Yeah.","start":2162.28,"end":2162.76,"sentiment":"neutral","sentiment_score":-0.004696905612945557}],"sentiment":"neutral","sentiment_score":-0.04968512646853924,"num_words":25,"start":2153.0652,"end":2162.76},{"sentences":[{"text":"Yeah.","start":2162.76,"end":2163.26,"sentiment":"neutral","sentiment_score":0.045389652252197266},{"text":"Got it.","start":2175.705,"end":2176.445,"sentiment":"neutral","sentiment_score":0.08814806491136551},{"text":"Yeah.","start":2196.505,"end":2196.7449,"sentiment":"neutral","sentiment_score":0.0926419198513031},{"text":"Probably yeah.","start":2196.7449,"end":2197.705,"sentiment":"neutral","sentiment_score":0.09675180912017822},{"text":"If you could do that and just obviously ensuring that it doesn't really impact because I believe this will hopefully the cover will continue.","start":2197.705,"end":2206.665,"sentiment":"neutral","sentiment_score":0.12567751792569956}],"sentiment":"neutral","sentiment_score":0.11746972501277923,"num_words":30,"start":2162.76,"end":2206.665},{"sentences":[{"text":"Right?","start":2206.665,"end":2206.825,"sentiment":"neutral","sentiment_score":0.07400785386562347},{"text":"It's not like taking the new cover out and the previous cover goes away.","start":2206.825,"end":2210.045,"sentiment":"neutral","sentiment_score":-0.20698728359171323},{"text":"So yeah.","start":2210.665,"end":2221.1301,"sentiment":"neutral","sentiment_score":0.1610158421099186},{"text":"Yes.","start":2229.045,"end":2229.545,"sentiment":"neutral","sentiment_score":0.039550840854644775},{"text":"Right.","start":2255.9548,"end":2256.4548,"sentiment":"neutral","sentiment_score":-0.10511694848537444}],"sentiment":"neutral","sentiment_score":-0.13512360735943443,"num_words":19,"start":2206.665,"end":2256.4548},{"sentences":[{"text":"Yep.","start":2261.555,"end":2262.055,"sentiment":"neutral","sentiment_score":-0.1288425624370575},{"text":"Got it.","start":2269.19,"end":2270.95,"sentiment":"neutral","sentiment_score":-0.12504975497722626},{"text":"Got Yes.","start":2270.95,"end":2282.325,"sentiment":"neutral","sentiment_score":0.045710489153862},{"text":"No.","start":2282.325,"end":2282.485,"sentiment":"neutral","sentiment_score":0.016697809100151062},{"text":"I think life is okay.","start":2282.485,"end":2283.685,"sentiment":"neutral","sentiment_score":0.06601381152868271}],"sentiment":"neutral","sentiment_score":0.005385979332707144,"num_words":11,"start":2261.555,"end":2283.685},{"sentences":[{"text":"Life is okay as a current 1,200,000.","start":2283.685,"end":2286.985,"sentiment":"neutral","sentiment_score":0.12087350658008031},{"text":"Just it's just the TPD that I'm I want to look at.","start":2287.285,"end":2290.62,"sentiment":"neutral","sentiment_score":0.01695411023683846},{"text":"Yeah?","start":2290.62,"end":2291.12,"sentiment":"neutral","sentiment_score":0.013158565387129784},{"text":"So Right.","start":2296.6274,"end":2311.435,"sentiment":"neutral","sentiment_score":-0.004542423412203789},{"text":"Okay.","start":2311.435,"end":2311.935,"sentiment":"neutral","sentiment_score":0.022501012310385704}],"sentiment":"neutral","sentiment_score":0.04678863477285789,"num_words":23,"start":2283.685,"end":2311.935},{"sentences":[{"text":"And I still have the same color.","start":2312.795,"end":2314.335,"sentiment":"neutral","sentiment_score":0.009795540145465307},{"text":"Sure.","start":2351.02,"end":2351.42,"sentiment":"neutral","sentiment_score":0.04284479469060898},{"text":"Sure.","start":2351.42,"end":2351.92,"sentiment":"neutral","sentiment_score":0.0313461497426033},{"text":"So you you mentioned something in there.","start":2352.38,"end":2356.32,"sentiment":"neutral","sentiment_score":0.009258561235453402},{"text":"Does it mean that you can only avail one of them?","start":2357.105,"end":2361.9849,"sentiment":"neutral","sentiment_score":-0.0039509013295173645}],"sentiment":"neutral","sentiment_score":0.006078138499072305,"num_words":27,"start":2312.795,"end":2361.9849},{"sentences":[{"text":"So it's either gonna be TPD.","start":2361.9849,"end":2363.605,"sentiment":"neutral","sentiment_score":-0.015844768844544888},{"text":"Obviously, if the situation is TPD, it's gonna be TPD, but then that rules out life for the next twelve months.","start":2364.385,"end":2370.78,"sentiment":"neutral","sentiment_score":-0.010500747843512468},{"text":"Is that what it's okay.","start":2371.98,"end":2381.03,"sentiment":"neutral","sentiment_score":0.012927326932549476},{"text":"Okay.","start":2381.03,"end":2381.53,"sentiment":"neutral","sentiment_score":-0.03358657285571098},{"text":"Right.","start":2388.415,"end":2388.575,"sentiment":"neutral","sentiment_score":-0.0062224650755524635}],"sentiment":"neutral","sentiment_score":-0.008551668266163152,"num_words":34,"start":2361.9849,"end":2388.575},{"sentences":[{"text":"Okay.","start":2388.575,"end":2388.895,"sentiment":"neutral","sentiment_score":0.00602724589407444},{"text":"If you can, yeah, if you can please find that out and let me know.","start":2388.895,"end":2391.455,"sentiment":"neutral","sentiment_score":0.010445034876465798},{"text":"Yeah.","start":2391.455,"end":2391.775,"sentiment":"neutral","sentiment_score":0.023993372917175293},{"text":"Yeah.","start":2391.775,"end":2392.275,"sentiment":"neutral","sentiment_score":0.036788105964660645},{"text":"Yes.","start":2412.685,"end":2413.185,"sentiment":"neutral","sentiment_score":-0.0053410641849040985}],"sentiment":"neutral","sentiment_score":0.011481220196736487,"num_words":19,"start":2388.575,"end":2413.185},{"sentences":[{"text":"Yes.","start":2419.325,"end":2419.825,"sentiment":"neutral","sentiment_score":0.0027069784700870514},{"text":"Yeah.","start":2423.33,"end":2423.83,"sentiment":"neutral","sentiment_score":0.0012577888555824757},{"text":"Yeah.","start":2437.17,"end":2437.57,"sentiment":"neutral","sentiment_score":0.04350052773952484},{"text":"I think that should be okay.","start":2437.57,"end":2439.075,"sentiment":"neutral","sentiment_score":0.09475076446930568},{"text":"Yep.","start":2450.9949,"end":2451.4949,"sentiment":"neutral","sentiment_score":0.20866337418556213}],"sentiment":"neutral","sentiment_score":0.08246332560665906,"num_words":10,"start":2419.325,"end":2451.4949},{"sentences":[{"text":"Yeah.","start":2451.635,"end":2452.135,"sentiment":"neutral","sentiment_score":0.08599095046520233},{"text":"I think I am.","start":2452.595,"end":2453.9548,"sentiment":"neutral","sentiment_score":0.04057201696559787},{"text":"Yeah.","start":2453.9548,"end":2454.435,"sentiment":"neutral","sentiment_score":0.07270103693008423},{"text":"Yeah.","start":2454.435,"end":2454.87,"sentiment":"neutral","sentiment_score":0.08672262728214264},{"text":"Yep.","start":2466.55,"end":2467.05,"sentiment":"neutral","sentiment_score":0.07057668268680573}],"sentiment":"neutral","sentiment_score":0.0597849206533283,"num_words":8,"start":2451.635,"end":2467.05},{"sentences":[{"text":"Yep.","start":2471.5352,"end":2472.0352,"sentiment":"neutral","sentiment_score":0.15090787410736084},{"text":"Yep.","start":2476.495,"end":2476.995,"sentiment":"neutral","sentiment_score":0.07564672082662582},{"text":"Mhmm.","start":2494.43,"end":2494.725,"sentiment":"neutral","sentiment_score":0.011739767156541348},{"text":"Yes.","start":2499.5251,"end":2500.0251,"sentiment":"neutral","sentiment_score":0.08049379289150238},{"text":"Yep.","start":2502.3252,"end":2502.8252,"sentiment":"neutral","sentiment_score":0.03721132129430771}],"sentiment":"neutral","sentiment_score":0.07119989525526763,"num_words":5,"start":2471.5352,"end":2502.8252},{"sentences":[{"text":"Yes, please.","start":2504.3252,"end":2505.0452,"sentiment":"neutral","sentiment_score":0.11401013284921646},{"text":"Yeah.","start":2505.0452,"end":2505.5452,"sentiment":"neutral","sentiment_score":0.1766023188829422},{"text":"But that would that would typically mean it would go to I'm just doing a high level calculation.","start":2505.8452,"end":2512.68,"sentiment":"neutral","sentiment_score":0.12826498618556392},{"text":"It'll almost go to about about 800 k, maybe even more than that.","start":2512.82,"end":2520.105,"sentiment":"neutral","sentiment_score":0.07109123067213939},{"text":"Yeah.","start":2520.105,"end":2520.605,"sentiment":"neutral","sentiment_score":0.0490647554397583}],"sentiment":"neutral","sentiment_score":0.10533265971711704,"num_words":35,"start":2504.3252,"end":2520.605},{"sentences":[{"text":"Yeah.","start":2529.145,"end":2529.645,"sentiment":"neutral","sentiment_score":-0.01789540797472},{"text":"Sure.","start":2531.945,"end":2532.27,"sentiment":"neutral","sentiment_score":0.070114865899086},{"text":"And this figure of one 193,000,000.000 that is inclusive of the 22%.","start":2534.19,"end":2542.21,"sentiment":"neutral","sentiment_score":0.05552801722660661},{"text":"Right?","start":2543.3901,"end":2543.87,"sentiment":"neutral","sentiment_score":0.07589168846607208},{"text":"So that's the top line.","start":2543.87,"end":2545.47,"sentiment":"neutral","sentiment_score":0.1081470787525177}],"sentiment":"neutral","sentiment_score":0.0667591373436153,"num_words":20,"start":2529.145,"end":2545.47},{"sentences":[{"text":"Right?","start":2545.47,"end":2545.79,"sentiment":"neutral","sentiment_score":0.09183244407176971},{"text":"Yeah.","start":2545.79,"end":2546.29,"sentiment":"neutral","sentiment_score":0.10187368094921112},{"text":"Okay.","start":2546.67,"end":2547.17,"sentiment":"neutral","sentiment_score":0.07632972300052643},{"text":"Yeah.","start":2549.565,"end":2550.065,"sentiment":"neutral","sentiment_score":0.06520213186740875},{"text":"Sure.","start":2557.485,"end":2557.965,"sentiment":"neutral","sentiment_score":0.13549305498600006}],"sentiment":"neutral","sentiment_score":0.09414620697498322,"num_words":5,"start":2545.47,"end":2557.965},{"sentences":[{"text":"Sure.","start":2557.965,"end":2558.465,"sentiment":"neutral","sentiment_score":0.11710470914840698},{"text":"One other quick question.","start":2558.7651,"end":2559.885,"sentiment":"neutral","sentiment_score":0.03223484940826893},{"text":"Yeah, absolutely, it does.","start":2559.885,"end":2561.16,"sentiment":"neutral","sentiment_score":0.11090152524411678},{"text":"One other quick question, TBD versus an interprotection, are these also both mutually exclusive or they are not?","start":2561.24,"end":2570.7,"sentiment":"neutral","sentiment_score":-0.05462987069040537},{"text":"So you could face a scenario where you are unable to work, which is TPD, but then you also end up losing your income.","start":2573.72,"end":2584.0652,"sentiment":"neutral","sentiment_score":-0.16735315509140491}],"sentiment":"neutral","sentiment_score":-0.08451300366398166,"num_words":51,"start":2557.965,"end":2584.0652},{"sentences":[{"text":"So you get income as well for the durations.","start":2584.205,"end":2587.905,"sentiment":"neutral","sentiment_score":-0.03254803932375378},{"text":"Right.","start":2624.33,"end":2624.83,"sentiment":"neutral","sentiment_score":0.006074303761124611},{"text":"Okay.","start":2624.89,"end":2625.39,"sentiment":"neutral","sentiment_score":0.01999963261187077},{"text":"Yep.","start":2635.475,"end":2635.975,"sentiment":"neutral","sentiment_score":0.039141781628131866},{"text":"Yep.","start":2636.195,"end":2636.695,"sentiment":"neutral","sentiment_score":0.05705183744430542}],"sentiment":"neutral","sentiment_score":-0.013128061420642413,"num_words":13,"start":2584.205,"end":2636.695},{"sentences":[{"text":"So I'll I'll go through that.","start":2706.2449,"end":2707.365,"sentiment":"neutral","sentiment_score":0.11476356163620949},{"text":"But has anything changed in terms of terms and conditions or the way structure or the fees or anything at all?","start":2707.365,"end":2712.885,"sentiment":"neutral","sentiment_score":-0.003313850700145676},{"text":"Or it's just a continuation of yes.","start":2712.885,"end":2714.82,"sentiment":"neutral","sentiment_score":-0.015895279390471324},{"text":"Yep.","start":2718.82,"end":2719.32,"sentiment":"neutral","sentiment_score":0.08154885470867157},{"text":"Yeah.","start":2744.995,"end":2745.395,"sentiment":"neutral","sentiment_score":0.036010898649692535}],"sentiment":"neutral","sentiment_score":0.017368980631646182,"num_words":36,"start":2706.2449,"end":2745.395},{"sentences":[{"text":"Yep.","start":2745.395,"end":2745.7952,"sentiment":"neutral","sentiment_score":0.04120830073952675},{"text":"Yep.","start":2745.7952,"end":2746.2,"sentiment":"neutral","sentiment_score":0.047973453998565674},{"text":"I think she's been having some discussions with with Oakview.","start":2746.44,"end":2750.44,"sentiment":"neutral","sentiment_score":0.021259788796305655},{"text":"I don't know who the adviser is, but, yeah, she's she's, yeah, she's busy, so she's taking a bit of time.","start":2750.44,"end":2755.42,"sentiment":"neutral","sentiment_score":-0.00963264849546942},{"text":"And her her her super super portfolio is also a little smaller.","start":2755.64,"end":2759.56,"sentiment":"neutral","sentiment_score":-0.009658082854002714}],"sentiment":"neutral","sentiment_score":-0.00036451044337203106,"num_words":45,"start":2745.395,"end":2759.56},{"sentences":[{"text":"So, yeah, she just she just figuring whether it it makes sense.","start":2759.56,"end":2762.885,"sentiment":"neutral","sentiment_score":0.023671248617271583},{"text":"Yeah.","start":2762.885,"end":2763.385,"sentiment":"neutral","sentiment_score":0.1008019745349884},{"text":"Yep.","start":2768.085,"end":2768.585,"sentiment":"neutral","sentiment_score":0.1661350429058075},{"text":"Yep.","start":2769.7651,"end":2770.2651,"sentiment":"neutral","sentiment_score":0.1501687467098236},{"text":"Sure.","start":2773.205,"end":2773.65,"sentiment":"neutral","sentiment_score":0.15233957767486572}],"sentiment":"neutral","sentiment_score":0.053343770327046514,"num_words":16,"start":2759.56,"end":2773.65},{"sentences":[{"text":"Yep.","start":2777.73,"end":2778.23,"sentiment":"neutral","sentiment_score":0.09752707928419112},{"text":"Yeah.","start":2784.3699,"end":2784.69,"sentiment":"neutral","sentiment_score":0.21628881990909576},{"text":"That that'll be great.","start":2784.69,"end":2785.65,"sentiment":"positive","sentiment_score":0.40690644085407257},{"text":"I've anyways blocked my calendar for that, but, yeah, reminder text would appreciate that.","start":2785.65,"end":2790.025,"sentiment":"neutral","sentiment_score":0.14116887242666312},{"text":"Just one quick question I had.","start":2790.4849,"end":2792.265,"sentiment":"neutral","sentiment_score":0.2623535121480624}],"sentiment":"neutral","sentiment_score":0.2112279595950475,"num_words":26,"start":2777.73,"end":2792.265},{"sentences":[{"text":"I was going through the statements.","start":2792.7249,"end":2793.9248,"sentiment":"neutral","sentiment_score":0.052723813181122146},{"text":"So I just wanted to clarify the withdrawals that are listed.","start":2793.9248,"end":2797.625,"sentiment":"neutral","sentiment_score":0.057671505280516365},{"text":"These are the the rollovers that happen, etcetera.","start":2798.2449,"end":2801.7048,"sentiment":"neutral","sentiment_score":-0.023076519835740328},{"text":"These are the payment for the insurances.","start":2801.9248,"end":2804.44,"sentiment":"neutral","sentiment_score":0.014705870300531387},{"text":"Right?","start":2805.0598,"end":2805.46,"sentiment":"neutral","sentiment_score":0.05523271858692169}],"sentiment":"neutral","sentiment_score":0.028008820884155506,"num_words":33,"start":2792.7249,"end":2805.46},{"sentences":[{"text":"Is that correct?","start":2805.46,"end":2806.26,"sentiment":"neutral","sentiment_score":0.06679204603036244},{"text":"Okay.","start":2806.26,"end":2806.76,"sentiment":"neutral","sentiment_score":0.06877487897872925},{"text":"So all all the withdrawals are payment for insurance.","start":2807.38,"end":2810.1199,"sentiment":"neutral","sentiment_score":0.012104141629404493},{"text":"Right?","start":2810.3398,"end":2810.8398,"sentiment":"neutral","sentiment_score":0.011466022580862044},{"text":"Okay.","start":2811.5398,"end":2812.0398,"sentiment":"neutral","sentiment_score":-0.04053614288568497}],"sentiment":"neutral","sentiment_score":0.02326787809530894,"num_words":15,"start":2805.46,"end":2812.0398},{"sentences":[{"text":"Yeah.","start":2814.8198,"end":2815.3198,"sentiment":"neutral","sentiment_score":-0.05000178143382072},{"text":"No.","start":2817.455,"end":2817.615,"sentiment":"neutral","sentiment_score":-0.1371791511774063},{"text":"No.","start":2817.615,"end":2818.0151,"sentiment":"neutral","sentiment_score":-0.1840660274028778},{"text":"Yeah.","start":2818.0151,"end":2818.5151,"sentiment":"neutral","sentiment_score":-0.04836372286081314},{"text":"Yep.","start":2824.655,"end":2825.155,"sentiment":"neutral","sentiment_score":0.08155462145805359}],"sentiment":"neutral","sentiment_score":-0.06761121228337288,"num_words":5,"start":2814.8198,"end":2825.155},{"sentences":[{"text":"Okay.","start":2828.2551,"end":2828.7551,"sentiment":"neutral","sentiment_score":0.0941377654671669},{"text":"Okay.","start":2828.815,"end":2829.315,"sentiment":"neutral","sentiment_score":0.09601883590221404},{"text":"Hold on.","start":2829.615,"end":2830.435,"sentiment":"neutral","sentiment_score":0.29386545717716217},{"text":"No.","start":2834.34,"end":2834.5,"sentiment":"neutral","sentiment_score":-0.10469016432762146},{"text":"I think that was a great chat.","start":2834.5,"end":2835.94,"sentiment":"neutral","sentiment_score":0.08852984117610115}],"sentiment":"neutral","sentiment_score":0.10774218663573265,"num_words":12,"start":2828.2551,"end":2835.94},{"sentences":[{"text":"Thank you so much.","start":2835.94,"end":2836.58,"sentiment":"positive","sentiment_score":0.7375683039426804},{"text":"I think it answered a few questions for me and we have some next steps.","start":2836.58,"end":2839.6199,"sentiment":"positive","sentiment_score":0.41661059657732646},{"text":"So I look forward to talk to you on twenty first.","start":2839.6199,"end":2841.9868,"sentiment":"positive","sentiment_score":0.4571687064387582},{"text":"Thank you.","start":2843.347,"end":2844.0068,"sentiment":"positive","sentiment_score":0.6509646773338318},{"text":"Yeah.","start":2845.1868,"end":2845.6868,"sentiment":"neutral","sentiment_score":0.23388054966926575}],"sentiment":"positive","sentiment_score":0.4776999345331481,"num_words":33,"start":2835.94,"end":2845.6868},{"sentences":[{"text":"Yes.","start":2846.6267,"end":2847.1267,"sentiment":"neutral","sentiment_score":0.1029803305864334},{"text":"You too.","start":2847.347,"end":2847.7468,"sentiment":"neutral","sentiment_score":0.3322594165802002},{"text":"Thank you so much.","start":2847.7468,"end":2848.4668,"sentiment":"positive","sentiment_score":0.7446860074996948},{"text":"Bye.","start":2848.4668,"end":2848.9668,"sentiment":"neutral","sentiment_score":0.30431684851646423}],"sentiment":"positive","sentiment_score":0.5063200052827597,"num_words":8,"start":2846.6267,"end":2848.9668}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good afternoon. This is Jayesh?\n\nChannel 1: Hello? Sorry. I can't hear you. Hello?\n\nChannel 0: Hello? Can you hear me?\n\nChannel 1: Yes. I can hear you now.\n\nChannel 0: Yeah. Sorry. Is this Jayesh?\n\nChannel 1: Yes.\n\nChannel 0: Yeah. This is Veronica from ICU Financial. How are you?\n\nChannel 1: Hi, Veronica. Good. Just give me one second. I'm just putting my headsets on.\n\nChannel 0: Sure.\n\nChannel 1: Yeah. Can you hear me?\n\nChannel 0: Yes. Can you hear me okay?\n\nChannel 1: Yes. Yeah.\n\nChannel 0: Yes. Perfect. I just had you booked in just to kind of finish off the annual review that we started last week, just the last couple of things.\n\nChannel 1: Yep.\n\nChannel 0: Now is still a good time for you?\n\nChannel 1: Yes. It's good.\n\nChannel 0: Yeah. Perfect. Now just before I do go any further, just like usual, just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.\n\nChannel 1: Yeah. That's\n\nChannel 0: Perfect. And just to confirm\n\nChannel 1: perfectly\n\nChannel 0: I am speaking with the right person, just for security purposes, could you just confirm your full name, date of birth, and address, please?\n\nChannel 1: fine. My full name is Jayesh Agrawal. Date of birth, twenty first September nineteen eighty, and address is 20 Elkhorn Way, Point Cook, Victoria.\n\nChannel 0: Yes. Perfect. That's exactly what I have here. And how's your day been so far? Been busy?\n\nChannel 1: Yeah. This is work.\n\nChannel 0: Yeah. Well, I will try not to keep you for too long. Good news is we kind of did half of it last time, so it shouldn't take too much longer. But before I kind of jump in through go over the stuff with you, did you have a chance to read through any of the documents? Did you have any questions with the SMA or any other thoughts, or did that kind of clarify some of the questions that you had last time?\n\nChannel 1: No. I I did go through the the documents, and I also logged on to Hub 24 portal, and I went through some of the reports there as well.\n\nChannel 0: Yep.\n\nChannel 1: So yeah.\n\nChannel 0: Oh,\n\nChannel 1: And, obviously,\n\nChannel 0: perfect.\n\nChannel 1: I have few questions, but, yeah, we can go through it as we talk.\n\nChannel 0: Yes. Yeah. Great. Perfect. So, basically, kind of from from the call we started last time, from today, what I will do is I will go and do some more in-depth research in regards to your investment, especially seeing if we can swap some out that is, you know, underperforming a little bit to see if we can obviously put you in a better position and make sure that we always have you in the best investment possible for you.\n\nAnd it is important to do because, obviously, the market in the world is always changing. So it's not something we just wanna leave you in forever. We do wanna keep update and reviewing it. So after the call today, I will go and do that research. From then, I will put a recommendation into a statement of advice for you where I will go through my recommendation.\n\nAnd then you can basically let me know what you think of the changes, if you're happy with them, if you're not making alterations or changes essentially from them. Does that\n\nChannel 1: Yep.\n\nChannel 0: kind of make sense?\n\nChannel 1: Yeah. No. That makes sense.\n\nChannel 0: Yep. Yep.\n\nChannel 1: Specifically, obviously, the last since July 25, I looked at the performance of the portfolio and it has\n\nChannel 0: Mhmm.\n\nChannel 1: not been that great. If I just look at simply the investment growth,\n\nChannel 0: Yep. Yep.\n\nChannel 1: while in the previous years, it has been around the 10%, maybe\n\nChannel 0: Better.\n\nChannel 1: even more kind\n\nChannel 0: Yeah.\n\nChannel 1: of mark. This year,\n\nChannel 0: Yep.\n\nChannel 1: it has been below 2%.\n\nChannel 0: Mhmm.\n\nChannel 1: So that is a real concern for me, to be fair.\n\nChannel 0: Yeah. And it is also, you know, why we do wanna review it because, especially the the Bennelong one, when you did come on board and up until fairly recently, like we touched on, had done really well, which obviously contributed to the return. And, typically, in, you know, a a growth portfolio that we do have you invested in, we would see that you know, obviously, you never know what's going to happen in the world and the market. But typically speaking, the likelihood of a negative return is about one in every five years. So what we are seeing is, like, is not out of the norm for how the market would typically react.\n\nObviously, there's different situations and stuff like that. The biggest thing is, obviously, you don't want it to be a long term thing because then there could be more structural issues, obviously, with a different investment. So if for, you know, one period of time, it is not as great, Typically, it's not too much of a concern unless there's obviously underlying investment issues that we want to address. So from, like, looking at the portfolio as a whole, the biggest thing we did wanted to address was your Benelon investments, which is what I will focus on. I will review all of them for you to see if we do need to make changes elsewhere as well,\n\nChannel 1: Yep.\n\nChannel 0: but specifically focusing on that Benelon. And and part of the research as well is to kind of gauge what your comfortable level was in regards to the SMA. So the good thing with the SMA and how it was different, and I'm not sure if you've had too much time to read on it, is that because, obviously, the markets are changing rapidly and quickly. You know, there are things that it it can drop and fluctuate on a daily quite quickly. So the way that things are, because it's obviously so much compliant and legislation behind everything, also can make sure that you are fully informed and consented at all points in time.\n\nSo\n\nChannel 1: Yep.\n\nChannel 0: with the SMA, the the way that it's different is that it allows us to make this quickly those changes quickly. Because how it works is that you would be invested in a portfolio. And then in that portfolio, there's still, you know, heaps of underlying investments. So you would be invested in a particular portfolio. And then by doing so, it allows us along with BlackRock who we partnered up with to create the SMA is that we can very quickly make a change.\n\nWe could just make a a quick change in the back end to let you know of any changes, but we wouldn't have to go through the whole SOA research process where you would have to, you know, book an appointment, go through the SOA, you to agree, and approve the changes before we can make a change, which sometimes can take a couple of weeks. But on the other hand, some clients are more comfortable with, no. Okay. I'm I'm okay for it to take a little bit longer. I do wanna have the SOA.\n\nI do wanna have all of that, and I would like to agree to the changes before they happen. So I do have some clients that goes both ways. Do you have a preference of what you prefer or what your thought process is on is SMA something you would be comfortable going down if it's going to put\n\nChannel 1: Yeah.\n\nChannel 0: you in a better position or not really?\n\nChannel 1: So are we talking about moving the entire portfolio to BlackRock or just only the managed fund part of it?\n\nChannel 0: It would be the research, but it would be potentially all of it if it is going to put you in a better position. If doing the research is not going to put you in a better position than what you currently have, then legally, I can't make that recommendation for you. It is just if by doing the research, it shows that, you know, the fees are lower, performance is better, and it gives us that flexibility with investment. Only\n\nChannel 1: Yep.\n\nChannel 0: then would I make the recommendation, but it would mean that you would have slightly less oversight with the changes. If you'd go into Hub twenty four, you can still see all the underlying investment, but we could make a change in the back end, let you know of the change. So it's kind of a quicker process, but also something that you would have to be comfortable with. Some people think it's great because that means they don't have to be involved as much, and they still get updated of the changes. And it means because we can make the changes quicker, we can hopefully, you know, make changes before there is a bit of a market dip if we foresee something happening.\n\nChannel 1: Mhmm.\n\nChannel 0: But some people are wanting that full transparency before a change. So, ultimately, it's up to where you are comfortable with. I can research both options and make a recommendation which one is better for you, but it's also\n\nChannel 1: Yeah.\n\nChannel 0: what you are comfortable\n\nChannel 1: Yeah. Yeah. No. I think that that makes\n\nChannel 0: with.\n\nChannel 1: sense. I think I would probably would want to understand both the options.\n\nChannel 0: Yep.\n\nChannel 1: I don't want too much overhead as well where you have to come\n\nChannel 0: Mhmm.\n\nChannel 1: back to me for every investment\n\nChannel 0: Yeah.\n\nChannel 1: or every change\n\nChannel 0: Okay.\n\nChannel 1: in investment as well. That is that is but but, yeah, I think let's let's understand what it entails and\n\nChannel 0: Yep.\n\nChannel 1: what it would require.\n\nChannel 0: Yep.\n\nChannel 1: So, look, I haven't specifically gone through I don't know if you did send me some information on BlackRock,\n\nChannel 0: Yeah.\n\nChannel 1: which particular fund we are talking about, but I didn't really get a chance to go through that to be\n\nChannel 0: That's\n\nChannel 1: fair.\n\nChannel 0: okay. No. That's okay.\n\nChannel 1: Sorry.\n\nChannel 0: It was\n\nChannel 1: Did you\n\nChannel 0: more\n\nChannel 1: send\n\nChannel 0: the\n\nChannel 1: me some information on that? Or you would\n\nChannel 0: yes.\n\nChannel 1: have. Right?\n\nChannel 0: Yeah.\n\nChannel 1: Oh,\n\nChannel 0: I did.\n\nChannel 1: okay.\n\nChannel 0: So it was no. That's okay. It was more like the general. So it wasn't the underlying investment. I sent you two documents.\n\nOne was a product disclosure statement. Basically let me see how many pages.\n\nChannel 1: Yeah.\n\nChannel 0: 18 pages, and it's with hub\n\nChannel 1: Right.\n\nChannel 0: 24. So it just talks a bit about, so basically, everything undone with the SMA itself. And then the second one was just to give you a bit more information on what an SMA is and the different portfolio. It doesn't show all the underlying investment, but it shows you the different portfolios that we have. So the different names of them.\n\nSo we have, like, a balanced option, a growth option, a high growth option, and then a super high\n\nChannel 1: Yeah.\n\nChannel 0: growth option. So it just gives you some general information. So if it is that you are comfortable with to not you know, if you don't want to have that every time we need to make a change, we have to call you, go through the process, then I'll consider the estimate. But if you said that you want that oversight, then I won't do it.\n\nChannel 1: Right. Yeah. Look, I haven't really gone through this document to be fair. So I probably but, yeah, let's I think you can do a research on your end\n\nChannel 0: Okay. Okay.\n\nChannel 1: with both the options,\n\nChannel 0: Yep.\n\nChannel 1: and I I can I can go through this document\n\nChannel 0: Yep.\n\nChannel 1: over the next week\n\nChannel 0: In\n\nChannel 1: or\n\nChannel 0: your\n\nChannel 1: so,\n\nChannel 0: own\n\nChannel 1: and\n\nChannel 0: time?\n\nChannel 1: we can talk\n\nChannel 0: Yeah.\n\nChannel 1: here?\n\nChannel 0: Yeah.\n\nChannel 1: We can\n\nChannel 0: So\n\nChannel 1: so\n\nChannel 0: Mhmm.\n\nChannel 1: how tell me one fundamental thing. So this is so this is still gonna be managed through Hub twenty four as a platform, but by BlackRock's managed fund as an investment vehicle. Right? So it will be not invested directly by Oku into different different portfolio starting, but to align to BlackRock's portfolio strategy daily. That's the fundamental difference I believe there.\n\nChannel 0: A bit of both. Sorry. It would still be Hub twenty four. Is that still the best? So I'll still research Hub twenty four just to make sure that's still the best option for you when we are looking at everything.\n\nChannel 1: Fine.\n\nChannel 0: So let's say if it is Hub twenty four, stay with Hub twenty four, then Hub 24 would be like your platform. So think of it as like your bank account. That's just what holds your money. Then Oakview, along with BlackRock, so we've partnered up together. Sorry.\n\nOakview's investment committee with BlackRock investment committee together structures the portfolio and manage, you know, the different investments and stuff like that.\n\nChannel 1: Got it.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Does that make sense?\n\nChannel 1: Yeah. Yeah. No. It makes sense.\n\nChannel 0: Yeah.\n\nChannel 1: Okay.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. Got\n\nChannel 0: Perfect.\n\nChannel 1: it.\n\nChannel 0: Alright. So I will research both options for you anyway. I'll put them together for you. When I do go through the statement of advice, if it is that the SMA comes out better, they will also have more information on, like, the pros and cons of the SMA, all the fees, and stuff like that.\n\nChannel 1: Yeah.\n\nChannel 0: So you will have more information in the SMA if the SMA turns out to be better. If the other model portfolio turns out to be better, then I will recommend that for you.\n\nChannel 1: Sure. Sure. Can I also\n\nChannel 0: Yep.\n\nChannel 1: understand the past performance as well for BlackRock,\n\nChannel 0: Mhmm.\n\nChannel 1: the particular portfolio you're recommending? Yeah. Or is\n\nChannel 0: Yes.\n\nChannel 1: it already there?\n\nChannel 0: No, sir. I would have to do all that research to see which one's\n\nChannel 1: Yeah.\n\nChannel 0: going to be the best for you, but it will be in that document. So it depends which one. It depends on if you but I think from the last conversation, you said you're still quite comfortable in your growth portfolio. So similar risk\n\nChannel 1: Yeah.\n\nChannel 0: volatility. So I will look at your growth options and aim for that eighty twenty split. And then that one, I will, in the essay, show you. I will show you the performance. I can do, like, your twelve twelve month, three year, five years to give you all of it and then\n\nChannel 1: Mhmm.\n\nChannel 0: all the fees as well so that you can see the difference yourself.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Yep.\n\nChannel 1: And\n\nChannel 0: Now\n\nChannel 1: you'd also be able to give me a comparison between the current\n\nChannel 0: Yes.\n\nChannel 1: portfolio versus the proposed\n\nChannel 0: Yes.\n\nChannel 1: portfolio. Yeah?\n\nChannel 0: 100%. Yes. We always have to do it when we make any changes because I need to make sure that if I do make a proposed change, it will put you in a better position. Otherwise, I will say, no. What you have right now is the better option.\n\nSo, yes, I definitely have to compare both options, and I'll do more options. So we have other portfolios as well, so I will compare a few different ones for you to make sure that whichever it is that I recommend will be the best for you.\n\nChannel 1: Sure. Sure.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Now it will take me about ten days or so to get\n\nChannel 1: Yep.\n\nChannel 0: this sorted. So\n\nChannel 1: Mhmm.\n\nChannel 0: while I do have you on the phone, just to make sure I can, you know, prioritize it as well for you, I would like to book it in while I have you on the phone. Now when is typically best time for you?\n\nChannel 1: Alright. So ten days. Yeah. I think the week of thirteenth is pretty crazy as well for me. So\n\nChannel 0: Okay. We can do the following week.\n\nChannel 1: yeah. The week of twentieth\n\nChannel 0: Mhmm.\n\nChannel 1: is is fine.\n\nChannel 0: Yep. Which day is better for you typically?\n\nChannel 1: We can do Tuesdays\n\nChannel 0: Yep.\n\nChannel 1: morning hours, if that's okay.\n\nChannel 0: Yeah. Let me have a look here. I could do. If I do 09:00 my time, that's 10:00. Oh, wait.\n\nHold on. When does no. Daylight savings\n\nChannel 1: The\n\nChannel 0: ended.\n\nChannel 1: clock changes.\n\nChannel 0: Oh, that's\n\nChannel 1: Yeah.\n\nChannel 0: good. Yes. 09:00. Would that work?\n\nChannel 1: Could we could we do 09:30 or maybe ten, if\n\nChannel 0: Yes.\n\nChannel 1: that's\n\nChannel 0: We\n\nChannel 1: okay?\n\nChannel 0: can do let's do ten.\n\nChannel 1: 10:00? Yeah.\n\nChannel 0: 10:00. Okay. Perfect. And that's when I will actually send you the document, and we can go through it together. I'll\n\nChannel 1: Okay.\n\nChannel 0: obviously make sure you have time to read over it to make sure you are, you know, happy with everything. Take your time as well. So that is booked in on Tuesday, April 21 at 10AM.\n\nChannel 1: Yep.\n\nChannel 0: The other just for me to finalize all of this for you, I do need to just quickly run through an updated fact line just to make sure that I have all your correct information and details so that I can do, you know, the advice and everything appropriately and correct for you. So bear with me as I go through this, and I'll try and do it as quickly as I can for you.\n\nChannel 1: Sure.\n\nChannel 0: Now I do have you down here as married with financial dependent. Is that still the case? Perfect. Occupation title as data consultant, still doing the same job?\n\nChannel 1: Yep. Yeah. The title is different, but yeah. It\n\nChannel 0: Okay.\n\nChannel 1: it's in the IT field. Yeah.\n\nChannel 0: What's the occupation title? Sorry.\n\nChannel 1: It's associate director.\n\nChannel 0: Oh, perfect. At the Rexta. Still within IT?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Perfect. And did your income change at all with that with the change?\n\nChannel 1: What do you have on the file right now?\n\nChannel 0: I have 265 including\n\nChannel 1: Yeah.\n\nChannel 0: commission.\n\nChannel 1: Yeah. Yeah. So\n\nChannel 0: Yep.\n\nChannel 1: it's approximately the same. Yeah.\n\nChannel 0: Perfect. And then base\n\nChannel 1: Yeah.\n\nChannel 0: income, I have 210. Yep. Now I do have here that you get employer contributions on the 210, so you're based and not on commissions. Is that correct?\n\nChannel 1: No. I think I would get it on commission as well.\n\nChannel 0: On commissions? Okay. Perfect. I\n\nChannel 1: Yeah.\n\nChannel 0: will update that. Let's see here. Now that does take you over the cap. Do you know so employers are only required to pay contributions up to 30,000. If you go over that, some employers stop.\n\nThey don't pay more than 30 because they don't legally have to. Some employers do. Still go over. Do you know if your employer stops at 30,000? Because if your income is through a 165 and you get 12%, that's 31,800.\n\nChannel 1: I would need to find that out. I don't know for sure.\n\nChannel 0: Okay. Okay.\n\nChannel 1: Because it's it's commission dependent. It's probably yeah. I'll\n\nChannel 0: Yeah.\n\nChannel 1: I'll need to find that out. Yeah. That's\n\nChannel 0: Okay.\n\nChannel 1: a good question. Yeah.\n\nChannel 0: No. That's okay. If you can find out for me, that would be good. That that would that would help their their research. If you don't know, I can always do two comparisons, one stopping at thirty and one exceeding.\n\nBut if you can find out and just email it to me, that would be great. That way I have the most up to date and correct information for you.\n\nChannel 1: Okay.\n\nChannel 0: Yep. Now, otherwise, aside from that, you are not making any additional contributions, are you?\n\nChannel 1: Yeah. So that's another thing I wanted to get some advice\n\nChannel 0: Mhmm.\n\nChannel 1: on\n\nChannel 0: Mhmm.\n\nChannel 1: on tax saving.\n\nChannel 0: Yep.\n\nChannel 1: This year, particularly because I am gonna exceed yeah. So, yeah, it's gonna be more than $2.52 70 k, and obviously,\n\nChannel 0: Mhmm.\n\nChannel 1: additional tax burden. So\n\nChannel 0: Yep.\n\nChannel 1: what options are there? And one thing I was considering was additional super contribution, but obviously, that that money is locked away. But\n\nChannel 0: Yes.\n\nChannel 1: are there other options available?\n\nChannel 0: So you you're kind of a little bit in a hard position with the tax and super because of the high income. So the way that it is at the moment is that you are already exceeding that cap space. So so that would mean that any contributions over 30,000, you are already gonna have to pay the additional tax on you. You're not going to get the same tax savings. So making additional contributions through superannuation wouldn't be a tax saving because you've already reached the cap space.\n\nChannel 1: Yeah. But in the if I if I look at my previous five years accrual\n\nChannel 0: Mhmm.\n\nChannel 1: on the unused, you know,\n\nChannel 0: Yes.\n\nChannel 1: confessional contribution, then I have some room within that.\n\nChannel 0: Yes. Yes. So you can definitely make a bit of lump sum if you want to to reduce it. You definitely can. Do you know if you do have unused cap space, then, yes, that's the way\n\nChannel 1: Yeah.\n\nChannel 0: that you can do it. Obviously, if your income will continue to be high, you will run out of that, obviously, eventually. But if at the moment you do have unused cap space, then that is a good way to do it. But like you said, it does mean that it is locked into superannuation until you meet a condition of release. So if, for example, you turn 60 and you stop working, it will be locked into that time.\n\nChannel 1: Yeah. Yeah. So,\n\nChannel 0: Yeah.\n\nChannel 1: yeah, I I have a view of the unused, you know, contributions, but I was\n\nChannel 0: Oh,\n\nChannel 1: wondering\n\nChannel 0: yeah.\n\nChannel 1: if there is if that's the only suggestion or are there any other suggestions from your side?\n\nChannel 0: From\n\nChannel 1: Does\n\nChannel 0: a\n\nChannel 1: it\n\nChannel 0: tax\n\nChannel 1: make sense?\n\nChannel 0: saving.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yeah. So tax is a bit tricky. So we would obviously from from superannuation, tax savings, and stuff like that, most definitely, that would be the way. Otherwise, to make your tax bill less, it would be an account. So it is a little bit different, so they would be the best person to speak to when it comes\n\nChannel 1: Yep.\n\nChannel 0: to what deductions can you make and stuff like that to get\n\nChannel 1: Yep.\n\nChannel 0: that down as much as possible. Do you\n\nChannel 1: Yeah.\n\nChannel 0: have\n\nChannel 1: Yeah.\n\nChannel 0: a good account and stuff that\n\nChannel 1: Yeah.\n\nChannel 0: you\n\nChannel 1: Yeah. I\n\nChannel 0: deal\n\nChannel 1: have\n\nChannel 0: with?\n\nChannel 1: a I have an accountant\n\nChannel 0: Right.\n\nChannel 1: that I deal with. So, yeah, probably, I'll have\n\nChannel 0: Yes.\n\nChannel 1: it out with him. Okay.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. That will be because they were obviously licensed in that area, so they will be the best one when it's like, cool. What can we do? And do you have private health insurance?\n\nChannel 1: Yes. I do. Yep.\n\nChannel 0: Great. Perfect. Because otherwise, especially with high income and that's a hospital as well?\n\nChannel 1: Yeah. Hospital plus\n\nChannel 0: Yep.\n\nChannel 1: extras. Yeah.\n\nChannel 0: Great. Perfect. Because that's another one sometimes where if you don't have it, then you will get the additional\n\nChannel 1: Yeah.\n\nChannel 0: medical tax levy. So that is great that you have that in place already.\n\nChannel 1: Yep.\n\nChannel 0: Now assets and liabilities wise, let me see here. What are you guys renting at the moment?\n\nChannel 1: No. We we stay in that one or not the page one.\n\nChannel 0: Okay. Perfect. Let me just update that here. And how much is that one valued at?\n\nChannel 1: Evaluation,\n\nChannel 0: Yes, please.\n\nChannel 1: about $1,100,000.\n\nChannel 0: 1.1. Perfect. And do you know what the mortgage would be roughly?\n\nChannel 1: I think about $6.50 ks.\n\nChannel 0: $6.50. Alright. Perfect. Do you have any investment properties or anything like that?\n\nChannel 1: Yeah. I've got one investment property in Rockhampton.\n\nChannel 0: Perfect. And how much would that one be valued at?\n\nChannel 1: Just let me have a look on\n\nChannel 0: Yep.\n\nChannel 1: real estate. Okay. 600\n\nChannel 0: Six hundred? Perfect. And do you have a mortgage on that one as well?\n\nChannel 1: k? Yeah. I have an outstanding mortgage of $242 on\n\nChannel 0: Two\n\nChannel 1: it. Yeah.\n\nChannel 0: 42. Alright. Perfect. Motor vehicles?\n\nChannel 1: Yeah. I own a car.\n\nChannel 0: Yeah. And how much would that one be valued at, do you think?\n\nChannel 1: I think less than 20,000.\n\nChannel 0: 20?\n\nChannel 1: Yeah. Less than that. Maybe 18,000.\n\nChannel 0: Okay.\n\nChannel 1: Yeah.\n\nChannel 0: 18. Anything owing on it?\n\nChannel 1: No.\n\nChannel 0: No. Perfect. Any other motor vehicles or boats or bikes motorbikes or anything?\n\nChannel 1: No. I don't own it, but my wife owns, so I wouldn't count\n\nChannel 0: Okay.\n\nChannel 1: that. Yeah.\n\nChannel 0: Yeah. No. That's okay. Do you have, like, other savings or any other assets in your name? Obviously, we have the investment bonds, but that's more obviously for your children.\n\nBut any other assets?\n\nChannel 1: Yeah. Savings savings would be about just give me a second.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. About 150 k.\n\nChannel 0: $1.50. Perfect. Now any other lie bill sorry?\n\nChannel 1: No. So I also invest in shares. So\n\nChannel 0: Yes.\n\nChannel 1: that portfolio right now is about about $1.60 k.\n\nChannel 0: $1.60. Perfect. And which platform do you have that one on?\n\nChannel 1: I use IG.\n\nChannel 0: Oh, yeah. Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: Any other assets, sorry, Jess? No. Perfect.\n\nChannel 1: No.\n\nChannel 0: Any other liabilities,\n\nChannel 1: That's\n\nChannel 0: like personal loans or credit card or ZipPay?\n\nChannel 1: it. Yeah. Credit card is there. I me and my wife share a credit card. I think the limit\n\nChannel 0: Mhmm.\n\nChannel 1: on that is, I think, 5,000 or $6,000.\n\nChannel 0: Okay. And is that one that you kind of pay off for points, or do you have about six owing on it?\n\nChannel 1: Oh, no. We always pay it on time.\n\nChannel 0: Okay. Perfect. Yeah. No. I wouldn't add that then.\n\nAnd health and lifestyle wise, have you down here as a nonsmoker?\n\nChannel 1: Yep. Non\n\nChannel 0: Yep.\n\nChannel 1: smoker.\n\nChannel 0: Perfect. Any changes to your health in the last twelve months? Any medications or injuries or anything?\n\nChannel 1: Not really. What do you\n\nChannel 0: No?\n\nChannel 1: have on card there?\n\nChannel 0: I just have no health no significant health issues.\n\nChannel 1: Oh, no. I I take I take a couple of medications. So BP medication and diabetes medication as well.\n\nChannel 0: Okay. Perfect. And\n\nChannel 1: Yeah.\n\nChannel 0: is that a type one, type two for diabetes? Is that insulin?\n\nChannel 1: No. Not insulin. Just a tablet.\n\nChannel 0: Yep.\n\nChannel 1: Was it the general one is type two, I believe. Yeah. So, yeah,\n\nChannel 0: Yes.\n\nChannel 1: it's probably\n\nChannel 0: It\n\nChannel 1: type\n\nChannel 0: is.\n\nChannel 1: two.\n\nChannel 0: Type one\n\nChannel 1: Yeah.\n\nChannel 0: is when you're insulin dependent. Alright.\n\nChannel 1: No.\n\nChannel 0: Perfect.\n\nChannel 1: No.\n\nChannel 0: So that's the other one, which is good. And sorry. What was the other medication for? Did you say it was a blood pressure?\n\nChannel 1: Blood\n\nChannel 0: Oh, sorry.\n\nChannel 1: pressure.\n\nChannel 0: I didn't hear.\n\nChannel 1: Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. Blood pressure.\n\nChannel 0: Perfect. Yeah. Great. But you haven't really had any issues with any of that in the last,\n\nChannel 1: No.\n\nChannel 0: you know, little while? Great. Perfect. Now when it comes to estate planning, do you guys have a will in place?\n\nChannel 1: No. No. We don't.\n\nChannel 0: No. That's okay. Do you have a, like, a power of attorney or anyone who makes any financial decisions on your behalf?\n\nChannel 1: No. We don't.\n\nChannel 0: No. Perfect. And are you involved in politics, like politically exposed or a tax resident in any foreign jurisdiction?\n\nChannel 1: I so I'm not politically active, but I'm part\n\nChannel 0: Mhmm.\n\nChannel 1: part of the I'm part of the member the labor labor party.\n\nChannel 0: Okay.\n\nChannel 1: I\n\nChannel 0: Yeah.\n\nChannel 1: have a membership with them, but I don't really get involved much.\n\nChannel 0: Okay. Yeah. Now\n\nChannel 1: And\n\nChannel 0: that's there.\n\nChannel 1: I I I I I was a resident of India, but obviously,\n\nChannel 0: Okay.\n\nChannel 1: now I'm a resident of Australia. But I have\n\nChannel 0: Yes.\n\nChannel 1: a I have a property there, and I do file tax returns in India.\n\nChannel 0: Okay.\n\nChannel 1: Yeah.\n\nChannel 0: Do you and with the property, do you get, like, rent rental income or earn, like, income from there?\n\nChannel 1: Yeah. Yeah. I do earn income, but I've never repatriated it in Australia. The\n\nChannel 0: Okay.\n\nChannel 1: income stays in India, and I filed the tax returns back\n\nChannel 0: Okay.\n\nChannel 1: in India.\n\nChannel 0: Great. Perfect. Yeah. No. That's separate then, which is good.\n\nNow, otherwise, when it comes to, I guess, goals and stuff that you are working towards that you are wanting to achieve, I have here that last time when we spoke to you, you were kind of focusing on first setting up the child investment and then just kind of focusing on growing your investment portfolio a little bit yourself.\n\nChannel 1: Yep.\n\nChannel 0: Maybe looking at another property down the track and maybe doing some traveling. Is that still kind of, I guess, your your main focus?\n\nChannel 1: Yeah. So\n\nChannel 0: Mhmm.\n\nChannel 1: traveling is always happening, but, yeah, that's fine. I think this this was pretty old, I think, if I remember all this\n\nChannel 0: Yeah.\n\nChannel 1: information. But yeah. But yeah. Probably looking to maybe invest in another property in\n\nChannel 0: Yep.\n\nChannel 1: Australia. And yeah. That's probably\n\nChannel 0: The main\n\nChannel 1: probably,\n\nChannel 0: thing?\n\nChannel 1: yeah, the main\n\nChannel 0: Yep. Yep. Perfect. Now I\n\nChannel 1: thing.\n\nChannel 0: do have\n\nChannel 1: Yep.\n\nChannel 0: here as well when it comes to retirement that, ideally, you would like to retire at the age of 65 with a weekly income of about a thousand dollars per week. Is that still kind of the case for you, or do you think you wanna retire a bit earlier?\n\nChannel 1: No. That's okay.\n\nChannel 0: No.\n\nChannel 1: 65\n\nChannel 0: Six\n\nChannel 1: is to keep keep\n\nChannel 0: six\n\nChannel 1: yourself\n\nChannel 0: to five\n\nChannel 1: busy.\n\nChannel 0: five.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: But I don't know about the thousand dollars to be very\n\nChannel 0: Okay.\n\nChannel 1: fair because given\n\nChannel 0: Yes.\n\nChannel 1: inflation and other things,\n\nChannel 0: Yep.\n\nChannel 1: I don't know. A thousand dollars would be\n\nChannel 0: Not\n\nChannel 1: relevant\n\nChannel 0: too much.\n\nChannel 1: at that time. Yeah.\n\nChannel 0: No. If you were to kind of your your goals today, would you say, like, 1,500, 3,000, what would be,\n\nChannel 1: Yeah.\n\nChannel 0: like,\n\nChannel 1: Yeah.\n\nChannel 0: okay.\n\nChannel 1: Probably 1,500.\n\nChannel 0: 1,500? Great. Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: I will update that. Now the other thing is just with the documents that I did send you last time, when you have a moment, have a read over them as well. Most of them, we kind of touched on, which was, like, your Vanguard index chart and their performance. Another one is your tal insurances. So you have about\n\nChannel 1: Yes.\n\nChannel 0: 1.1 so this will be detailed in the SOA for you anyway, but you have about\n\nChannel 1: Yes.\n\nChannel 0: 1.1 worth of life and total permanent disability insurance. Are you quite happy with that level of cover and stuff like that?\n\nChannel 1: Mhmm. Yeah. So I actually\n\nChannel 0: Yep.\n\nChannel 1: wanted to discuss that. So life, I'm okay. I think one point, it's actually 1.2, closer to 1.2 at this point in time.\n\nChannel 0: Mhmm. Yep.\n\nChannel 1: Income correction looks fine as well, but\n\nChannel 0: Mhmm.\n\nChannel 1: I wanted to get advice on TPD particularly.\n\nChannel 0: Yep.\n\nChannel 1: Do I really need TPD and that to such a high cover? Because considering my job,\n\nChannel 0: Yep.\n\nChannel 1: I am more like a desk job. I don't go to work at sites or it's not a high risk job and other things. But so whether PPD is really useful or not, and probably wanted to make a call on PPD particularly whether I need it at all.\n\nChannel 0: Yeah. So TPD is one of those tricky one where it's like, I think it's always good to have if it's affordable and depending on what your goals are. So typically speaking, it's very individually through your family situation. So TPD is obviously totally and permanently disabled. Now, obviously, like you said, if you are in a super high risk occupation, sometimes the insurance won't even give you cover, but the the chances of something happening at work is higher.\n\nTPD isn't just related to work. So that is totally and permanently disabled. So if anything were to happen to you, after you got your policy put in force and you are unable to work now that could be, an illness, a diagnosis. It could be, let's say, if you are in a car accident. Let's say you you break your back or something and you you can't work.\n\nLet's say if there will be any, you know, mental stuff, can't mean that you cannot do your job. Let's say if you take off a super risky occupation, let's say you do skydiving or, you know, off mountain climbing or whatever it might be, and something happens to you and you cannot go back to work, that's when the TPD is really helpful for. So for a lot of the clients, the TPD is sometimes more important than life cover because TPD means that you will still be around, but you can't work. So all the costs and stuff like that would still be around. Sometimes there's more cost associated because if you can't work, is there any you know, you need to make a modifications to the home.\n\nDo you need any, you know, more medical bills and stuff like that? That's what the TPD is typically for. So that is if you are unable to go back to work permanently. Now if something were to happen like that, you could get your superannuation paid out as well, but that would obviously only get you so long. Then it would be gone.\n\nSo PPD, generally speaking, I think, is very important, especially if you have younger children and you, you know, wanna make sure that you can continue to support them, continue to oversee assist with bills and expenses. But it also depends on your, obviously, your your wife. Can you guys survive on her income alone if you cannot work, if you can never go back to work? Or do you are you quite dependent on your income as well?\n\nChannel 1: Yeah. But I have both TPD and income protection. So, again, comparing, do I need both? Even if I need both, does the cover that I have currently make sense on TPD specifically? Because it's again the same as life insurance, which is one\n\nChannel 0: Yep.\n\nChannel 1: $200,000 Do I need such a high cover to be there as well, right?\n\nChannel 0: Yes.\n\nChannel 1: So those\n\nChannel 0: That\n\nChannel 1: are some of the questions\n\nChannel 0: yeah.\n\nChannel 1: and yeah.\n\nChannel 0: Oh, and it is very good. So so PPD and IP have different functions. So if we just focus on PPD for now, then we're going to income protection. TPD will be a lump sum payment. So that is a lump sum payment paid directly to you.\n\nYou obviously have to make that last, and you only get that while you have through doctors sign off on the fact that you are never able to go back to work again. So it is a little bit harder to climb on on that way, especially if you have a desktop like you said, but there can be different reasons why you can't go back\n\nChannel 1: Yep.\n\nChannel 0: to work. Now when it comes to the level of cover of what's appropriate, it comes down to what your specific goals are. So, for example, some people, as a starting point, go, well, if something were to happen to me, I would actually make sure that all my debts paid out. So the mortgage is not there. So then at least if I'm not working, the the, you know, living expenses might be fine on my partner's income.\n\nBut at least the mortgage is cleared off, so that's not, you know, hanging over me, so we have to move. Some people want okay. Well, I want my investment property also paid off because then that means that we can potentially keep the investment property, get rental income, and we, again, don't have that. Some people, if they have other debts, they want that paid off. Some people want okay.\n\nWell, if I can't work, I want five or ten years worth of my income replacement because I can never go back to work. Some people go, okay. Well, I wanna make sure that if, let's say, the depending on what the school arrangement is, if you have private if you're wanting to look at private schools. Okay. Well, at the moment, private schools, let's say, is 10,000 a year, and the kids have, you know, five years left of school, then I wanna make sure I have, you know, 50,000 put aside to cover school fees.\n\nThere's probably a lot of information, but in terms of how appropriate the cover is, it comes down to what you want to have happen if something were to happen to you.\n\nChannel 1: Yeah. So so do you recommend the is there somebody who can review this for me? Or what what is the guidance from here for\n\nChannel 0: Yeah. So I can part of part of reviewing their super, I\n\nChannel 1: yep.\n\nChannel 0: can definitely review it for you. And in reviewing that and looking at, okay. Do you have too much? Do you wanna reduce it?\n\nChannel 1: Yep.\n\nChannel 0: It's finding out, okay. Well, I can do all the math for you, but\n\nChannel 1: Yep.\n\nChannel 0: what is important to you? So if you tell me what you want to have covered, if something were to happen to me, then I can do the math and see if I can get some quotes accordingly.\n\nChannel 1: Yeah. Look, I think again the base premises of the life insurance was again, I'll talk about the life insurance, not particularly\n\nChannel 0: Yep.\n\nChannel 1: TBI was to cover up the liabilities in case of any\n\nChannel 0: Yes.\n\nChannel 1: events that happen. And\n\nChannel 0: Yep.\n\nChannel 1: just looking at the current liabilities, which is sitting around $6.50 ks primarily.\n\nChannel 0: Yep. Yep.\n\nChannel 1: And then having three covers, life keeping. I know purpose is different for each of them.\n\nChannel 0: Mhmm.\n\nChannel 1: I think that's that's the main sort of objective really.\n\nChannel 0: Yep.\n\nChannel 1: Right?\n\nChannel 0: Just the desk. Yep.\n\nChannel 1: Yeah. Correct. So, yeah,\n\nChannel 0: Yep.\n\nChannel 1: I think probably if you can look at it from that lens. And, obviously,\n\nChannel 0: Okay.\n\nChannel 1: my wife works,\n\nChannel 0: Mhmm. Yes.\n\nChannel 1: so she has an income as well. So and\n\nChannel 0: Yep.\n\nChannel 1: and she has a she has an equivalent cover as well. Right? Her cover might\n\nChannel 0: Mhmm.\n\nChannel 1: be a little less, probably around a million dollars. But, again,\n\nChannel 0: Mhmm.\n\nChannel 1: she has income protection, TPD, and life insurance as well.\n\nChannel 0: Okay. That's something what\n\nChannel 1: So\n\nChannel 0: happened\n\nChannel 1: so\n\nChannel 0: to\n\nChannel 1: yeah.\n\nChannel 0: her.\n\nChannel 1: Yeah. Correct. So\n\nChannel 0: Yeah.\n\nChannel 1: we have we have kind of the same covers.\n\nChannel 0: Okay.\n\nChannel 1: So, yeah, it really doesn't make sense to have such\n\nChannel 0: Yeah.\n\nChannel 1: high covers. Yeah.\n\nChannel 0: Because\n\nChannel 1: Yeah.\n\nChannel 0: because what I can do for you, if your main goal is just cover debt of $6.50, I can get quotes for and see letting you know, well, how much is it going to cost to reduce it to $6.50. Or I could\n\nChannel 1: Got\n\nChannel 0: do\n\nChannel 1: it.\n\nChannel 0: $7.50 if you want a bit extra. But if you are kind of like, I don't need it, I my only focus or my main focus is just covering that, and I'm happy to just have my main mortgage covered at $6.50, then I can go to to Cal and get quotes and put that together at $6.50 and let you know what the cost would be.\n\nChannel 1: Yeah. Probably yeah.\n\nChannel 0: Yeah.\n\nChannel 1: If you could do that and\n\nChannel 0: Yeah.\n\nChannel 1: just obviously ensuring that it doesn't really impact because I believe this will hopefully the cover will continue. Right? It's not like taking the new cover out and the previous cover goes away.\n\nChannel 0: Correct.\n\nChannel 1: So\n\nChannel 0: Sorry. It would be it would be so the good within the type of cover you have, it is good. It's underwritten. With that, though, is that it's super easy\n\nChannel 1: yeah.\n\nChannel 0: to decrease the cover because insurance mind are taking on less risk. So they are quite happy to decrease. It's just a quick form. You you retain your policy, everything. You don't\n\nChannel 1: Yes.\n\nChannel 0: have to go through underwriting. It is literally a quick form to say that I would like to reduce my cover. The insurers are happy. The only thing I do wanna let you know is to make sure you are aware that if we decrease it down to $6.50, and let's say in two years' time, you buy three investment property and you change your mind and you're going, you know what? I think I want 1.1 again.\n\nIt's going to potentially be hard to go up to that amount because by\n\nChannel 1: Right.\n\nChannel 0: increasing it, the insurers are saying, well, we are now taking on more risk. So\n\nChannel 1: Yep.\n\nChannel 0: you have to go through the whole underwriting process again. And if anything has changed with your health, that can make it difficult to\n\nChannel 1: Got\n\nChannel 0: get new cover.\n\nChannel 1: it.\n\nChannel 0: So\n\nChannel 1: Got\n\nChannel 0: that is the only thing I do wanna let you know. If you're still quite quite comfortable to look at reducing life and TPD to six fifty, and that's your goal, then I can get those quotes for you.\n\nChannel 1: Yes. No. I think life\n\nChannel 0: Yep.\n\nChannel 1: is okay.\n\nChannel 0: Yep.\n\nChannel 1: Life is okay as a current 1,200,000.\n\nChannel 0: Okay.\n\nChannel 1: Just it's just the TPD that I'm\n\nChannel 0: Okay.\n\nChannel 1: I want to look at. Yeah?\n\nChannel 0: Okay. What I will have to do is I'll just have to check the structure of your policy. The reason I\n\nChannel 1: So\n\nChannel 0: say that is sometimes when and this certificate of currency won't tell me I have to go a little bit deeper. But, essentially, often, we see your life and TPD as a linked policy. So\n\nChannel 1: Right.\n\nChannel 0: what\n\nChannel 1: Okay.\n\nChannel 0: that means is that\n\nChannel 1: And\n\nChannel 0: it\n\nChannel 1: I\n\nChannel 0: links\n\nChannel 1: still have\n\nChannel 0: together.\n\nChannel 1: the same color.\n\nChannel 0: Yes. But what's then added to it is like so, typically, let's say, if you were to claim on TPD, for example, it'll cancel your life policy, but then within twelve months, life is reinstated. I need to triple check how your policy is set up if we can reduce because sometimes you can't have a higher amount of one of the others if it's linked, but I will find out for you. So, ideally, keep life as is, reduce PPD to six fifty, ideally, but I will triple check to make sure that's possible for you.\n\nChannel 1: Sure. Sure. So\n\nChannel 0: And then yes.\n\nChannel 1: you you mentioned something\n\nChannel 0: Mhmm.\n\nChannel 1: in there.\n\nChannel 0: Yes.\n\nChannel 1: Does it mean that you can only avail one of them? So it's either gonna be TPD. Obviously, if the situation is TPD, it's gonna be TPD, but then that rules out life for the next twelve months.\n\nChannel 0: If\n\nChannel 1: Is\n\nChannel 0: the\n\nChannel 1: that\n\nChannel 0: policy\n\nChannel 1: what it's\n\nChannel 0: is set up that way, yes. I need to table check you all, but sometimes for affordability, that is how a lot of policies are. So the risk is if\n\nChannel 1: okay.\n\nChannel 0: you were\n\nChannel 1: Okay.\n\nChannel 0: to claim TPD and then you were to pass away within twelve months, it could mean that you don't have a life insurance at all.\n\nChannel 1: Right. Okay. If you can, yeah, if you can please\n\nChannel 0: Mhmm.\n\nChannel 1: find that out and let\n\nChannel 0: Yes.\n\nChannel 1: me know. Yeah. Yeah.\n\nChannel 0: Yeah. Perfect. Now with your income protection, you said you're quite comfortable with it. Obviously, because your income has gone up quite a bit from when your policy was taken out, you are quite underinsured in IP. That doesn't mean that you have to have it.\n\nSome people are comfortable with it. So IP is temporarily. So if you are temporarily unable to go back\n\nChannel 1: Yes.\n\nChannel 0: to work and it is an income replacement on a monthly basis, You have\n\nChannel 1: Yes.\n\nChannel 0: at the moment 4,001\n\nChannel 1: Yeah.\n\nChannel 0: 173. Typically speaking, you can have 70% of your income. It means, obviously, it's gonna get more expensive if you increase it and underwriting and stuff like that. You said you're still quite comfortable with 4,173?\n\nChannel 1: Yeah. I think that should be\n\nChannel 0: Yep.\n\nChannel 1: okay.\n\nChannel 0: Great. Perfect. You have a full week fair when it sorry. A full week waiting period and age 65 benefit. Still comfortable with that\n\nChannel 1: Yep.\n\nChannel 0: as\n\nChannel 1: Yeah.\n\nChannel 0: well? Yep.\n\nChannel 1: I think\n\nChannel 0: Half.\n\nChannel 1: I am. Yeah. Yeah.\n\nChannel 0: Yep. Because four weeks, it mean that you have to wait thirty days before you can start claiming on the income protection. And, typically, it's also paid thirty days in arrears. So that means\n\nChannel 1: Yep.\n\nChannel 0: about sixty days. Benefit period is how long you can be on claim for. So if something were to happen,\n\nChannel 1: Yep.\n\nChannel 0: the benefit is all the way up through the age of 65.\n\nChannel 1: Yep.\n\nChannel 0: Now, sorry, one thing I forgot to mention is when we do talking about the TPD is that if you get TPD under the age of 60, that lump sum can be taxed for up to 22%, including the 2% medical levy. So\n\nChannel 1: Mhmm.\n\nChannel 0: do you want me in the calculation to add, like, the seven\n\nChannel 1: Yes.\n\nChannel 0: the $6.50 and then add the tax to make sure that the net\n\nChannel 1: Yep.\n\nChannel 0: of everything you cover the mortgage? Yep.\n\nChannel 1: Yes, please. Yeah.\n\nChannel 0: Correct. Perfect.\n\nChannel 1: But that would that would typically mean it would go to I'm just doing a high level calculation. It'll almost go\n\nChannel 0: Yep.\n\nChannel 1: to about about 800 k, maybe even more\n\nChannel 0: Yes.\n\nChannel 1: than that. Yeah.\n\nChannel 0: Exactly. So it will be higher. But then at least now, if you are over 60, it's tax free. But, obviously, for the time being, while you're under 60, it\n\nChannel 1: Yeah.\n\nChannel 0: will be potentially taxed. So I will include that\n\nChannel 1: Sure.\n\nChannel 0: for you. Now\n\nChannel 1: And this figure of one\n\nChannel 0: mhmm.\n\nChannel 1: 193,000,000.000\n\nChannel 0: Mhmm. Yep. Yep.\n\nChannel 1: that is inclusive of the 22%. Right? So that's\n\nChannel 0: Correct.\n\nChannel 1: the top line. Right? Yeah.\n\nChannel 0: Correct.\n\nChannel 1: Okay.\n\nChannel 0: So that is what what your insurer would pay out,\n\nChannel 1: Yeah.\n\nChannel 0: and then tax would come out of that amount if you claim it while you're on the 60. So the tax would come out of that amount.\n\nChannel 1: Sure. Sure.\n\nChannel 0: Yep. Does\n\nChannel 1: One\n\nChannel 0: that\n\nChannel 1: other\n\nChannel 0: make\n\nChannel 1: quick\n\nChannel 0: sense?\n\nChannel 1: question. Yeah, absolutely, it does.\n\nChannel 0: Yeah.\n\nChannel 1: One\n\nChannel 0: Yeah.\n\nChannel 1: other quick question, TBD versus an interprotection, are these also both mutually exclusive or they are not?\n\nChannel 0: What do you mean by that? Sorry.\n\nChannel 1: So you could face a scenario where you are unable to work,\n\nChannel 0: Mhmm.\n\nChannel 1: which is TPD, but then you also end up losing your income. So you get income as well\n\nChannel 0: Yep.\n\nChannel 1: for the\n\nChannel 0: There\n\nChannel 1: durations.\n\nChannel 0: are this is there definitely. So, typically, what would happen is that doctors are quite reluctant sometimes in doing TPD because it means you are never going back to work. So, typically, what we see happening is that you would go in income protection first because it's a temporarily. If you can't go back temporarily, so you would go in income protection first, and then sometimes, you know, that continues to be paid out. And after that, if the doctor deemed that you still cannot go back to work and there are chances you'll never go back to work, then you typically see TPD.\n\nBut most definitely, you can have if something severe happens and you could potentially claim on both, then, yes, we can do that for you.\n\nChannel 1: Right. Okay.\n\nChannel 0: Yep. Yep. Now while we are obviously talking about insurances, I do see here that you don't have trauma insurance. Obviously, you're comfortable not having trauma.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep. Great. Perfect. Now the other documents that was in there for you that we sent last week for you to have a look at, Basically, what we have gone through is just for your review for you to look at. There are two documents that if you are obviously happy with everything that we will need you to sign at some point, and that is the ongoing service agreement.\n\nThat is just to say that you are happy to stay on as a client. It is not a locking contract in any point in time. So if at any point in time, you are not happy and you go, you know what? I don't want to stay on anymore. There is no locking contract.\n\nAnd it's also just a PSN, which is a compliance document just to say that we are keeping your tax on number six zero one safe on file. So when you have a moment, Jayesh, have a look through the documents. Any questions, let me know. Otherwise, have a look through them. If you're happy with everything, we'll need you to sign those documents.\n\nIf you want to go through the SOA first, I can always include assignable documents along with it if you wanted to see that before you sign anything.\n\nChannel 1: So I'll I'll go through that. But has anything changed\n\nChannel 0: Yep.\n\nChannel 1: in terms of terms and conditions or the way structure or the fees or anything at all? Or\n\nChannel 0: No.\n\nChannel 1: it's just a continuation\n\nChannel 0: It's\n\nChannel 1: of\n\nChannel 0: it's\n\nChannel 1: yes.\n\nChannel 0: just a continuation. So it's just that 1.65%\n\nChannel 1: Yep.\n\nChannel 0: from your super and no change. It's not increasing or anything like that. The only way that it was potentially decreasing is that if your partner decided that she wanted to come on board, because we would look after both of you, it would be reduced. So it would be cheaper at 1.1 for both of you. That would be the only change.\n\nOtherwise, it's not increasing from 1.65.\n\nChannel 1: Yeah. Yep. Yep. I\n\nChannel 0: Yep.\n\nChannel 1: think she's been having some discussions with with Oakview. I don't know who the adviser is, but, yeah, she's she's, yeah, she's busy, so she's taking a bit of time. And her her her super super portfolio is also a little smaller. So,\n\nChannel 0: Yes.\n\nChannel 1: yeah,\n\nChannel 0: Yeah.\n\nChannel 1: she just she just figuring\n\nChannel 0: And that's\n\nChannel 1: whether\n\nChannel 0: perfectly\n\nChannel 1: it it makes sense. Yeah.\n\nChannel 0: yeah. And that's perfectly fine at the end of the day. It is always just a free review. You know, there's\n\nChannel 1: Yep.\n\nChannel 0: no pressure or anything. So\n\nChannel 1: Yep.\n\nChannel 0: that was basically everything that I needed to run through\n\nChannel 1: Sure.\n\nChannel 0: with you. So I got you booked in on Tuesday, April 21\n\nChannel 1: Yep.\n\nChannel 0: at 10AM. Do you wanna remind the tech sent, like, an hour or two before the appointment just in case?\n\nChannel 1: Yeah. That that'll be great.\n\nChannel 0: Yes.\n\nChannel 1: I've anyways blocked my calendar for that, but,\n\nChannel 0: Yep.\n\nChannel 1: yeah, reminder text\n\nChannel 0: Right.\n\nChannel 1: would appreciate that.\n\nChannel 0: Great.\n\nChannel 1: Just\n\nChannel 0: Perfect.\n\nChannel 1: one quick question I had.\n\nChannel 0: Yeah.\n\nChannel 1: I was going through the statements. So I just wanted to clarify the withdrawals\n\nChannel 0: Mm-mm.\n\nChannel 1: that\n\nChannel 0: Yes.\n\nChannel 1: are listed. These are\n\nChannel 0: Yes.\n\nChannel 1: the the rollovers that happen, etcetera. These are the payment for the insurances.\n\nChannel 0: Correct.\n\nChannel 1: Right? Is that correct? Okay.\n\nChannel 0: Correct. Yeah.\n\nChannel 1: So\n\nChannel 0: Exactly.\n\nChannel 1: all all the\n\nChannel 0: Yeah.\n\nChannel 1: withdrawals are payment for insurance. Right?\n\nChannel 0: Correct. Unless\n\nChannel 1: Okay.\n\nChannel 0: you take out some money if you do a compassionate\n\nChannel 1: Yeah.\n\nChannel 0: ground claim or something like that, which you haven't done.\n\nChannel 1: No.\n\nChannel 0: But\n\nChannel 1: No.\n\nChannel 0: no.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Otherwise, that would be those withdrawals. You obviously had the fees and and other stuff there as well. But, yeah,\n\nChannel 1: Yep.\n\nChannel 0: that would go through with the that was the the insurance for you.\n\nChannel 1: Okay. Okay.\n\nChannel 0: Yep. Perfect.\n\nChannel 1: Hold on.\n\nChannel 0: Now do you have any other questions before I let you go this afternoon otherwise?\n\nChannel 1: No. I think that was a\n\nChannel 0: No?\n\nChannel 1: great chat. Thank you so much.\n\nChannel 0: Yes.\n\nChannel 1: I think it answered a few questions for me and we have\n\nChannel 0: Oh,\n\nChannel 1: some\n\nChannel 0: good.\n\nChannel 1: next steps. So I\n\nChannel 0: Yeah.\n\nChannel 1: look forward to talk to you on twenty first.\n\nChannel 0: Perfect. Me too.\n\nChannel 1: Thank\n\nChannel 0: I hope\n\nChannel 1: you.\n\nChannel 0: you have the rest of your afternoon, and I look\n\nChannel 1: Yeah.\n\nChannel 0: forward to speaking with you on the '20\n\nChannel 1: Yes.\n\nChannel 0: first.\n\nChannel 1: You too. Thank you so much.\n\nChannel 0: Alright.\n\nChannel 1: Bye.\n\nChannel 0: Thanks. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.52,"end":2.02,"sentiment":"neutral","sentiment_score":0.028475522994995117}],"sentiment":"neutral","sentiment_score":0.028475522994995117,"channel":1,"num_words":1,"start":1.52,"end":2.02},{"sentences":[{"text":"Good afternoon.","start":3.4399998,"end":4.08,"sentiment":"neutral","sentiment_score":0.16595089435577393},{"text":"This is Jayesh?","start":4.08,"end":4.98,"sentiment":"neutral","sentiment_score":0.06790841619173686}],"sentiment":"neutral","sentiment_score":0.10712540745735169,"channel":0,"num_words":5,"start":3.4399998,"end":4.98},{"sentences":[{"text":"Hello?","start":5.12,"end":5.62,"sentiment":"neutral","sentiment_score":0.00228531495667994},{"text":"Sorry.","start":5.8399997,"end":6.16,"sentiment":"neutral","sentiment_score":-0.11347012966871262},{"text":"I can't hear you.","start":6.16,"end":7.04,"sentiment":"neutral","sentiment_score":-0.17872092872858047},{"text":"Hello?","start":7.04,"end":7.54,"sentiment":"neutral","sentiment_score":-0.044891681522130966}],"sentiment":"neutral","sentiment_score":-0.12442288730692651,"channel":1,"num_words":7,"start":5.12,"end":7.54},{"sentences":[{"text":"Hello?","start":8.16,"end":8.639999,"sentiment":"neutral","sentiment_score":-0.021790161728858948},{"text":"Can you hear me?","start":8.639999,"end":9.62,"sentiment":"neutral","sentiment_score":-0.031283422373235226}],"sentiment":"neutral","sentiment_score":-0.02938477024435997,"channel":0,"num_words":5,"start":8.16,"end":9.62},{"sentences":[{"text":"Yes.","start":9.679999,"end":9.92,"sentiment":"neutral","sentiment_score":-0.00986265018582344},{"text":"I can hear you now.","start":9.92,"end":11.059999,"sentiment":"neutral","sentiment_score":-0.015993036702275275}],"sentiment":"neutral","sentiment_score":-0.01497130561619997,"channel":1,"num_words":6,"start":9.679999,"end":11.059999},{"sentences":[{"text":"Yeah.","start":11.2,"end":11.5199995,"sentiment":"neutral","sentiment_score":-0.004273397382348776},{"text":"Sorry.","start":11.5199995,"end":11.84,"sentiment":"neutral","sentiment_score":-0.021867170929908752},{"text":"Is this Jayesh?","start":11.84,"end":12.66,"sentiment":"neutral","sentiment_score":0.010301657176266113}],"sentiment":"neutral","sentiment_score":0.0009528806433081627,"channel":0,"num_words":5,"start":11.2,"end":12.66},{"sentences":[{"text":"Yes.","start":12.655,"end":13.155,"sentiment":"neutral","sentiment_score":0.03563985228538513}],"sentiment":"neutral","sentiment_score":0.03563985228538513,"channel":1,"num_words":1,"start":12.655,"end":13.155},{"sentences":[{"text":"Yeah.","start":14.075,"end":14.315,"sentiment":"neutral","sentiment_score":0.05383956432342529},{"text":"This is Veronica from ICU Financial.","start":14.315,"end":16.415,"sentiment":"neutral","sentiment_score":0.08313549061616261},{"text":"How are you?","start":16.475,"end":17.295,"sentiment":"neutral","sentiment_score":0.08740117649237315}],"sentiment":"neutral","sentiment_score":0.08148560374975204,"channel":0,"num_words":10,"start":14.075,"end":17.295},{"sentences":[{"text":"Hi, Veronica.","start":17.055,"end":17.935,"sentiment":"neutral","sentiment_score":0.10216377675533295},{"text":"Good.","start":17.935,"end":18.335,"sentiment":"positive","sentiment_score":0.3537943363189697},{"text":"Just give me one second.","start":18.335,"end":19.135,"sentiment":"neutral","sentiment_score":0.20005658864974976},{"text":"I'm just putting my headsets on.","start":19.135,"end":20.675,"sentiment":"neutral","sentiment_score":0.08263018727302551}],"sentiment":"neutral","sentiment_score":0.14672756833689554,"channel":1,"num_words":14,"start":17.055,"end":20.675},{"sentences":[{"text":"Sure.","start":21.035,"end":21.535,"sentiment":"neutral","sentiment_score":0.06244892627000809}],"sentiment":"neutral","sentiment_score":0.06244892627000809,"channel":0,"num_words":1,"start":21.035,"end":21.535},{"sentences":[{"text":"Yeah.","start":27.135,"end":27.51,"sentiment":"neutral","sentiment_score":0.033353276550769806},{"text":"Can you hear me?","start":28.07,"end":29.05,"sentiment":"neutral","sentiment_score":0.013020295416936278}],"sentiment":"neutral","sentiment_score":0.017086891643702983,"channel":1,"num_words":5,"start":27.135,"end":29.05},{"sentences":[{"text":"Yes.","start":29.13,"end":29.609999,"sentiment":"neutral","sentiment_score":0.01564582996070385},{"text":"Can you hear me okay?","start":29.609999,"end":30.829998,"sentiment":"neutral","sentiment_score":0.015147809684276582}],"sentiment":"neutral","sentiment_score":0.015230813063681126,"channel":0,"num_words":6,"start":29.13,"end":30.829998},{"sentences":[{"text":"Yes.","start":30.95,"end":31.45,"sentiment":"neutral","sentiment_score":0.05540800467133522},{"text":"Yeah.","start":31.67,"end":32.17,"sentiment":"neutral","sentiment_score":0.08935625851154327}],"sentiment":"neutral","sentiment_score":0.07238213159143925,"channel":1,"num_words":2,"start":30.95,"end":32.17},{"sentences":[{"text":"Yes.","start":31.849998,"end":32.35,"sentiment":"neutral","sentiment_score":0.19518212974071503},{"text":"Perfect.","start":32.41,"end":32.91,"sentiment":"positive","sentiment_score":0.5620443820953369},{"text":"I just had you booked in just to kind of finish off the annual review that we started last week, just the last couple of things.","start":33.77,"end":41.025,"sentiment":"positive","sentiment_score":0.35656202183319974}],"sentiment":"positive","sentiment_score":0.3581371099821159,"channel":0,"num_words":28,"start":31.849998,"end":41.025},{"sentences":[{"text":"Yep.","start":40.635,"end":41.135,"sentiment":"neutral","sentiment_score":0.27026426792144775}],"sentiment":"neutral","sentiment_score":0.27026426792144775,"channel":1,"num_words":1,"start":40.635,"end":41.135},{"sentences":[{"text":"Now is still a good time for you?","start":42.065002,"end":43.605003,"sentiment":"positive","sentiment_score":0.3617389388382435}],"sentiment":"positive","sentiment_score":0.3617389388382435,"channel":0,"num_words":8,"start":42.065002,"end":43.605003},{"sentences":[{"text":"Yes.","start":43.995,"end":44.495,"sentiment":"neutral","sentiment_score":0.31596821546554565},{"text":"It's good.","start":44.635,"end":45.375,"sentiment":"positive","sentiment_score":0.44193194806575775}],"sentiment":"positive","sentiment_score":0.3999440371990204,"channel":1,"num_words":3,"start":43.995,"end":45.375},{"sentences":[{"text":"Yeah.","start":45.025,"end":45.525,"sentiment":"positive","sentiment_score":0.4066203832626343},{"text":"Perfect.","start":45.585003,"end":46.085003,"sentiment":"positive","sentiment_score":0.4742631912231446},{"text":"Now just before I do go any further, just like usual, just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":46.945,"end":55.365,"sentiment":"neutral","sentiment_score":0.08936585029286723}],"sentiment":"neutral","sentiment_score":0.11064317980498979,"channel":0,"num_words":33,"start":45.025,"end":55.365},{"sentences":[{"text":"Yeah.","start":55.760002,"end":55.920002,"sentiment":"neutral","sentiment_score":0.16587163507938385},{"text":"That's","start":55.920002,"end":56.420002,"sentiment":"neutral","sentiment_score":0.2668709456920624}],"sentiment":"neutral","sentiment_score":0.21637129038572311,"channel":1,"num_words":2,"start":55.760002,"end":56.420002},{"sentences":[{"text":"Perfect.","start":57.81,"end":58.31,"sentiment":"positive","sentiment_score":0.34178340435028076},{"text":"And just to confirm","start":58.45,"end":59.41,"sentiment":"neutral","sentiment_score":0.17626706138253212}],"sentiment":"neutral","sentiment_score":0.20937032997608185,"channel":0,"num_words":5,"start":57.81,"end":59.41},{"sentences":[{"text":"perfectly","start":58.96,"end":59.46,"sentiment":"neutral","sentiment_score":0.2117324024438858}],"sentiment":"neutral","sentiment_score":0.2117324024438858,"channel":1,"num_words":1,"start":58.96,"end":59.46},{"sentences":[{"text":"I am speaking with the right person, just for security purposes, could you just confirm your full name, date of birth, and address, please?","start":59.41,"end":67.51,"sentiment":"neutral","sentiment_score":0.12869149974236885}],"sentiment":"neutral","sentiment_score":0.12869149974236885,"channel":0,"num_words":24,"start":59.41,"end":67.51},{"sentences":[{"text":"fine.","start":67.76,"end":68.08,"sentiment":"neutral","sentiment_score":0.07599692046642303},{"text":"My full name is Jayesh Agrawal.","start":68.08,"end":69.520004,"sentiment":"neutral","sentiment_score":0.0585390143096447},{"text":"Date of birth, twenty first September nineteen eighty, and address is 20 Elkhorn Way, Point Cook, Victoria.","start":69.520004,"end":75.025,"sentiment":"neutral","sentiment_score":0.06730363934355624}],"sentiment":"neutral","sentiment_score":0.06547470313186447,"channel":1,"num_words":24,"start":67.76,"end":75.025},{"sentences":[{"text":"Yes.","start":75.725,"end":76.125,"sentiment":"neutral","sentiment_score":0.19399532675743103},{"text":"Perfect.","start":76.125,"end":76.445,"sentiment":"positive","sentiment_score":0.462111234664917},{"text":"That's exactly what I have here.","start":76.445,"end":77.884995,"sentiment":"positive","sentiment_score":0.524700865149498},{"text":"And how's your day been so far?","start":77.884995,"end":79.405,"sentiment":"neutral","sentiment_score":0.1435216718486377},{"text":"Been busy?","start":79.405,"end":80.145,"sentiment":"neutral","sentiment_score":0.009752467274665833}],"sentiment":"neutral","sentiment_score":0.2840275523417136,"channel":0,"num_words":17,"start":75.725,"end":80.145},{"sentences":[{"text":"Yeah.","start":80.365005,"end":80.685005,"sentiment":"neutral","sentiment_score":0.09521305561065674},{"text":"This is work.","start":80.685005,"end":81.745,"sentiment":"neutral","sentiment_score":0.12887116024891535}],"sentiment":"neutral","sentiment_score":0.1204566340893507,"channel":1,"num_words":4,"start":80.365005,"end":81.745},{"sentences":[{"text":"Yeah.","start":83.38,"end":83.619995,"sentiment":"neutral","sentiment_score":0.1181340590119362},{"text":"Well, I will try not to keep you for too long.","start":83.619995,"end":86.439995,"sentiment":"neutral","sentiment_score":0.028552389280362564},{"text":"Good news is we kind of did half of it last time, so it shouldn't take too much longer.","start":87.14,"end":91.88,"sentiment":"neutral","sentiment_score":0.2533965204891406},{"text":"But before I kind of jump in through go over the stuff with you, did you have a chance to read through any of the documents?","start":92.579994,"end":100.715004,"sentiment":"neutral","sentiment_score":0.056792252482129976},{"text":"Did you have any questions with the SMA or any other thoughts, or did that kind of clarify some of the questions that you had last time?","start":100.715004,"end":109.695,"sentiment":"neutral","sentiment_score":0.046377662707258155}],"sentiment":"neutral","sentiment_score":0.09494690104786839,"channel":0,"num_words":84,"start":83.38,"end":109.695},{"sentences":[{"text":"No.","start":110.67,"end":110.909996,"sentiment":"neutral","sentiment_score":-0.0058848243206739426},{"text":"I I did go through the the documents, and I also logged on to Hub 24 portal, and I went through some of the reports there as well.","start":110.909996,"end":121.229996,"sentiment":"neutral","sentiment_score":0.03743761032819748}],"sentiment":"neutral","sentiment_score":0.035943733271339845,"channel":1,"num_words":29,"start":110.67,"end":121.229996},{"sentences":[{"text":"Yep.","start":121.03,"end":121.53,"sentiment":"neutral","sentiment_score":0.09496161341667177}],"sentiment":"neutral","sentiment_score":0.09496161341667177,"channel":0,"num_words":1,"start":121.03,"end":121.53},{"sentences":[{"text":"So yeah.","start":121.229996,"end":121.869995,"sentiment":"neutral","sentiment_score":0.10023526474833488}],"sentiment":"neutral","sentiment_score":0.10023526474833488,"channel":1,"num_words":2,"start":121.229996,"end":121.869995},{"sentences":[{"text":"Oh,","start":121.75,"end":122.15,"sentiment":"neutral","sentiment_score":0.15303675830364227}],"sentiment":"neutral","sentiment_score":0.15303675830364227,"channel":0,"num_words":1,"start":121.75,"end":122.15},{"sentences":[{"text":"And, obviously,","start":121.869995,"end":122.35,"sentiment":"neutral","sentiment_score":0.2234676331281662}],"sentiment":"neutral","sentiment_score":0.2234676331281662,"channel":1,"num_words":2,"start":121.869995,"end":122.35},{"sentences":[{"text":"perfect.","start":122.15,"end":122.65,"sentiment":"positive","sentiment_score":0.37261706590652466}],"sentiment":"positive","sentiment_score":0.37261706590652466,"channel":0,"num_words":1,"start":122.15,"end":122.65},{"sentences":[{"text":"I have few questions, but, yeah, we can go through it as we talk.","start":122.35,"end":125.649994,"sentiment":"neutral","sentiment_score":0.19137215933629445}],"sentiment":"neutral","sentiment_score":0.19137215933629445,"channel":1,"num_words":14,"start":122.35,"end":125.649994},{"sentences":[{"text":"Yes.","start":125.155,"end":125.655,"sentiment":"neutral","sentiment_score":0.1509110927581787},{"text":"Yeah.","start":126.115,"end":126.435,"sentiment":"neutral","sentiment_score":0.22271880507469177},{"text":"Great.","start":126.435,"end":126.755,"sentiment":"neutral","sentiment_score":0.3196795582771301},{"text":"Perfect.","start":126.755,"end":127.255,"sentiment":"positive","sentiment_score":0.683600664138794},{"text":"So, basically, kind of from from the call we started last time, from today, what I will do is I will go and do some more in-depth research in regards to your investment, especially seeing if we can swap some out that is, you know, underperforming a little bit to see if we can obviously put you in a better position and make sure that we always have you in the best investment possible for you.","start":127.475,"end":147.79,"sentiment":"neutral","sentiment_score":0.15821540140007673}],"sentiment":"neutral","sentiment_score":0.16751600783318282,"channel":0,"num_words":80,"start":125.155,"end":147.79},{"sentences":[{"text":"And it is important to do because, obviously, the market in the world is always changing.","start":148.01,"end":152.18999,"sentiment":"neutral","sentiment_score":0.05092152068391442},{"text":"So it's not something we just wanna leave you in forever.","start":152.755,"end":155.315,"sentiment":"neutral","sentiment_score":0.004345428537238728},{"text":"We do wanna keep update and reviewing it.","start":155.315,"end":157.815,"sentiment":"neutral","sentiment_score":0.22410743311047554},{"text":"So after the call today, I will go and do that research.","start":157.875,"end":161.575,"sentiment":"neutral","sentiment_score":0.2235490083694458},{"text":"From then, I will put a recommendation into a statement of advice for you where I will go through my recommendation.","start":162.195,"end":168.87001,"sentiment":"neutral","sentiment_score":0.24632321581954048}],"sentiment":"neutral","sentiment_score":0.15457028150558472,"channel":0,"num_words":68,"start":148.01,"end":168.87001},{"sentences":[{"text":"And then you can basically let me know what you think of the changes, if you're happy with them, if you're not making alterations or changes essentially from them.","start":170.21,"end":178.31,"sentiment":"neutral","sentiment_score":0.22921115134296746},{"text":"Does 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2%.","start":204.695,"end":206.375,"sentiment":"neutral","sentiment_score":-0.21762686371803283}],"sentiment":"neutral","sentiment_score":-0.21762686371803283,"channel":1,"num_words":5,"start":204.695,"end":206.375},{"sentences":[{"text":"Mhmm.","start":206.085,"end":206.585,"sentiment":"neutral","sentiment_score":-0.13539615273475647}],"sentiment":"neutral","sentiment_score":-0.13539615273475647,"channel":0,"num_words":1,"start":206.085,"end":206.585},{"sentences":[{"text":"So that is a real concern for me, to be fair.","start":206.375,"end":209.35501,"sentiment":"neutral","sentiment_score":-0.2998463768850673}],"sentiment":"neutral","sentiment_score":-0.2998463768850673,"channel":1,"num_words":11,"start":206.375,"end":209.35501},{"sentences":[{"text":"Yeah.","start":209.765,"end":210.265,"sentiment":"neutral","sentiment_score":-0.04554937034845352},{"text":"And it is also, you know, why we do wanna review it because, especially the the Bennelong one, when you did come on board and up 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how much is that one valued at?","start":1264.885,"end":1266.985,"sentiment":"neutral","sentiment_score":0.0328460936434567}],"sentiment":"neutral","sentiment_score":0.060438380809500813,"channel":0,"num_words":16,"start":1262.485,"end":1266.985},{"sentences":[{"text":"Evaluation,","start":1267.45,"end":1267.95,"sentiment":"neutral","sentiment_score":0.01841943152248859}],"sentiment":"neutral","sentiment_score":0.01841943152248859,"channel":1,"num_words":1,"start":1267.45,"end":1267.95},{"sentences":[{"text":"Yes, please.","start":1268.8049,"end":1269.705,"sentiment":"neutral","sentiment_score":0.02335759997367859}],"sentiment":"neutral","sentiment_score":0.02335759997367859,"channel":0,"num_words":2,"start":1268.8049,"end":1269.705},{"sentences":[{"text":"about 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ks.","start":1280.335,"end":1282.765,"sentiment":"neutral","sentiment_score":0.015967416018247603}],"sentiment":"neutral","sentiment_score":0.015967416018247603,"channel":1,"num_words":5,"start":1280.335,"end":1282.765},{"sentences":[{"text":"$6.50.","start":1283.3151,"end":1284.035,"sentiment":"neutral","sentiment_score":0.018976721912622452},{"text":"Alright.","start":1284.035,"end":1284.435,"sentiment":"neutral","sentiment_score":0.08866743743419647},{"text":"Perfect.","start":1284.435,"end":1284.935,"sentiment":"neutral","sentiment_score":0.13574759662151337},{"text":"Do you have any investment properties or anything like that?","start":1286.275,"end":1288.935,"sentiment":"neutral","sentiment_score":0.04208833631128073}],"sentiment":"neutral","sentiment_score":0.05109808608316458,"channel":0,"num_words":13,"start":1283.3151,"end":1288.935},{"sentences":[{"text":"Yeah.","start":1289.17,"end":1289.41,"sentiment":"neutral","sentiment_score":0.03636160120368004},{"text":"I've got one investment property in Rockhampton.","start":1289.41,"end":1291.59,"sentiment":"neutral","sentiment_score":0.049739355487482886}],"sentiment":"neutral","sentiment_score":0.04806713620200753,"channel":1,"num_words":8,"start":1289.17,"end":1291.59},{"sentences":[{"text":"Perfect.","start":1293.0751,"end":1293.555,"sentiment":"neutral","sentiment_score":0.16493745148181915},{"text":"And how much would that one be valued at?","start":1293.555,"end":1295.655,"sentiment":"neutral","sentiment_score":0.061194556661778025}],"sentiment":"neutral","sentiment_score":0.07156884614378214,"channel":0,"num_words":10,"start":1293.0751,"end":1295.655},{"sentences":[{"text":"Just let me have a look 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useful or not, and probably wanted to make a call on PPD particularly whether I need it at all.","start":1753.27,"end":1761.585,"sentiment":"neutral","sentiment_score":0.16550050377845765}],"sentiment":"neutral","sentiment_score":0.03192358631260541,"channel":1,"num_words":49,"start":1747.2949,"end":1761.585},{"sentences":[{"text":"Yeah.","start":1762.0199,"end":1762.4199,"sentiment":"neutral","sentiment_score":0.15981218218803406},{"text":"So TPD is one of those tricky one where it's like, I think it's always good to have if it's affordable and depending on what your goals are.","start":1762.4199,"end":1770.305,"sentiment":"neutral","sentiment_score":0.27803459550653187},{"text":"So typically speaking, it's very individually through your family situation.","start":1770.305,"end":1774.005,"sentiment":"neutral","sentiment_score":-0.00890195593237877},{"text":"So TPD is obviously totally and permanently disabled.","start":1774.545,"end":1778.165,"sentiment":"neutral","sentiment_score":-0.20580513030290604},{"text":"Now, obviously, like you said, if you are in a super high risk occupation, sometimes the insurance won't even give you cover, but the the chances of something happening at work is higher.","start":1778.545,"end":1788.0,"sentiment":"neutral","sentiment_score":-0.27962570005294046}],"sentiment":"neutral","sentiment_score":-0.03772909808903933,"channel":0,"num_words":80,"start":1762.0199,"end":1788.0},{"sentences":[{"text":"TPD isn't just related to work.","start":1788.62,"end":1791.9199,"sentiment":"neutral","sentiment_score":-0.24837974458932877},{"text":"So that is totally and permanently disabled.","start":1792.1399,"end":1794.88,"sentiment":"neutral","sentiment_score":-0.26113782823085785},{"text":"So if anything were to happen to you, after you got your policy put in force and you are unable to work now that could be, an illness, a diagnosis.","start":1795.405,"end":1807.425,"sentiment":"negative","sentiment_score":-0.35671497086683907},{"text":"It could be, let's say, if you are in a car accident.","start":1808.205,"end":1811.71,"sentiment":"neutral","sentiment_score":-0.23406541099150976},{"text":"Let's say you you break your back or something and you you can't work.","start":1812.17,"end":1816.03,"sentiment":"neutral","sentiment_score":-0.21883895354611532}],"sentiment":"neutral","sentiment_score":-0.2882930822130563,"channel":0,"num_words":69,"start":1788.62,"end":1816.03},{"sentences":[{"text":"Let's say if there will be any, you know, mental stuff, can't mean that you cannot do your job.","start":1816.65,"end":1822.11,"sentiment":"neutral","sentiment_score":-0.1280355602502823},{"text":"Let's say if you take off a super risky occupation, let's say you do skydiving or, you know, off mountain climbing or whatever it might be, and something happens to you and you cannot go back to work, that's when the TPD is really helpful for.","start":1822.41,"end":1837.6549,"sentiment":"neutral","sentiment_score":-0.012372876962889795},{"text":"So for a lot of the clients, the TPD is sometimes more important than life cover because TPD means that you will still be around, but you can't work.","start":1837.715,"end":1847.51,"sentiment":"neutral","sentiment_score":0.016780311177516806},{"text":"So all the costs and stuff like that would still be around.","start":1847.73,"end":1850.2899,"sentiment":"neutral","sentiment_score":-0.15873805371423563},{"text":"Sometimes there's more cost associated because if you can't work, is there any you know, you need to make a modifications to the home.","start":1850.2899,"end":1857.115,"sentiment":"neutral","sentiment_score":-0.15368700865656137}],"sentiment":"neutral","sentiment_score":-0.06237341394791236,"channel":0,"num_words":130,"start":1816.65,"end":1857.115},{"sentences":[{"text":"Do you need any, you know, more medical bills and stuff like 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harder to climb on on that way, especially if you have a desktop like you said, but there can be different reasons why you can't go back","start":1957.9551,"end":1964.835,"sentiment":"neutral","sentiment_score":-0.2228229149724498}],"sentiment":"neutral","sentiment_score":-0.1354078229968295,"channel":0,"num_words":66,"start":1948.99,"end":1964.835},{"sentences":[{"text":"Yep.","start":1964.655,"end":1965.155,"sentiment":"neutral","sentiment_score":-0.13728207349777222}],"sentiment":"neutral","sentiment_score":-0.13728207349777222,"channel":1,"num_words":1,"start":1964.655,"end":1965.155},{"sentences":[{"text":"to work.","start":1964.835,"end":1965.495,"sentiment":"neutral","sentiment_score":-0.10378957912325859},{"text":"Now when it comes to the level of cover of what's appropriate, it comes down to what your specific goals are.","start":1965.635,"end":1972.375,"sentiment":"neutral","sentiment_score":0.026043913371506192},{"text":"So, for example, some people, as a starting point, go, 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them.","start":2121.115,"end":2123.215,"sentiment":"neutral","sentiment_score":0.009206095296475623}],"sentiment":"neutral","sentiment_score":0.011533894983585924,"channel":1,"num_words":16,"start":2118.395,"end":2123.215},{"sentences":[{"text":"Mhmm.","start":2123.525,"end":2124.025,"sentiment":"neutral","sentiment_score":0.036590516567230225}],"sentiment":"neutral","sentiment_score":0.036590516567230225,"channel":0,"num_words":1,"start":2123.525,"end":2124.025},{"sentences":[{"text":"I think that's that's the main sort of objective 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money if you do a compassionate","start":2811.7002,"end":2815.0,"sentiment":"neutral","sentiment_score":-0.0838233359158039}],"sentiment":"neutral","sentiment_score":-0.0838233359158039,"channel":0,"num_words":10,"start":2811.7002,"end":2815.0},{"sentences":[{"text":"Yeah.","start":2814.8198,"end":2815.3198,"sentiment":"neutral","sentiment_score":-0.05000178143382072}],"sentiment":"neutral","sentiment_score":-0.05000178143382072,"channel":1,"num_words":1,"start":2814.8198,"end":2815.3198},{"sentences":[{"text":"ground claim or something like that, which you haven't 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your afternoon, and I look","start":2843.687,"end":2845.2869,"sentiment":"positive","sentiment_score":0.4962474673986435}],"sentiment":"positive","sentiment_score":0.4962474673986435,"channel":0,"num_words":10,"start":2843.687,"end":2845.2869},{"sentences":[{"text":"Yeah.","start":2845.1868,"end":2845.6868,"sentiment":"neutral","sentiment_score":0.23388054966926575}],"sentiment":"neutral","sentiment_score":0.23388054966926575,"channel":1,"num_words":1,"start":2845.1868,"end":2845.6868},{"sentences":[{"text":"forward to speaking with you on the 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from ICU Financial call customers to discuss their investment portfolios and offer advice on reducing risk and reducing monthly premiums. They emphasize the importance of the SMA program and offer a process for researching both options. The representatives also explain the benefits of TPD coverage for older individuals and provide information on coverage and deductions for retirement plans. They also provide information on life insurance policies and deductions for retirement plans. The customers are advised to review their coverage and reduced risk for future use."},"intents":{"segments":[{"text":"And just to confirm perfectly I am speaking with the right person, just for security purposes, could you just confirm your full name, date of birth, and address, please? fine.","start_word":144,"end_word":173,"intents":[{"intent":"Provide details","confidence_score":0.008483465},{"intent":"Confirm identity","confidence_score":0.29501095},{"intent":"Confirm identity","confidence_score":0.28921014},{"intent":"Confirm identity","confidence_score":0.74262434}]},{"text":"My full name is Jayesh Agrawal. Date of birth, twenty first September nineteen eighty, and address is 20 Elkhorn Way, Point Cook, Victoria. Yes.","start_word":174,"end_word":197,"intents":[{"intent":"Provide contact details","confidence_score":0.0062339874}]},{"text":"Well, I will try not to keep you for too long. Good news is we kind of did half of it last time, so it shouldn't take too much longer. But before I kind of jump in through go over the stuff with you, did you have a chance to read through any of the documents? Did you have any questions with the SMA or any other thoughts, or did that kind of clarify some of the questions that you had last time?","start_word":219,"end_word":301,"intents":[{"intent":"Discuss documents","confidence_score":0.12406363}]},{"text":"Did you have any questions with the SMA or any other thoughts, or did that kind of clarify some of the questions that you had last time?","start_word":275,"end_word":301,"intents":[{"intent":"Ask questions","confidence_score":0.033172604}]},{"text":"I I did go through the the documents, and I also logged on to Hub 24 portal, and I went through some of the reports there as well. Yep.","start_word":303,"end_word":331,"intents":[{"intent":"Look through reports","confidence_score":0.0030244954}]},{"text":"Specifically, obviously, the last since July 25, I looked at the performance of the portfolio and it has Mhmm. not been that great.","start_word":543,"end_word":565,"intents":[{"intent":"Review portfolio performance","confidence_score":0.1310952},{"intent":"Review portfolio performance","confidence_score":0.3885963},{"intent":"Review portfolio performance","confidence_score":0.09456975}]},{"text":"You know, there are things that it it can drop and fluctuate on a daily quite quickly. So the way that things are, because it's obviously so much compliant and legislation behind everything, also can make sure that you are fully informed and consented at all points in time. So Yep.","start_word":917,"end_word":967,"intents":[{"intent":"Improve markets","confidence_score":0.00023747887}]},{"text":"We could just make a a quick change in the back end to let you know of any changes, but we wouldn't have to go through the whole SOA research process where you would have to, you know, book an appointment, go through the SOA, you to agree, and approve the changes before we can make a change, which sometimes can take a couple of weeks.","start_word":1054,"end_word":1119,"intents":[{"intent":"Make change","confidence_score":0.0036091765}]},{"text":"I do wanna have the SOA. I do wanna have all of that, and I would like to agree to the changes before they happen.","start_word":1143,"end_word":1167,"intents":[{"intent":"Have soa","confidence_score":0.1391281},{"intent":"Have soa","confidence_score":0.048037235}]},{"text":"So are we talking about moving the entire portfolio to BlackRock or just only the managed fund part of it?","start_word":1217,"end_word":1236,"intents":[{"intent":"Understand role","confidence_score":0.000024027191},{"intent":"Have portfolio","confidence_score":0.023040788}]},{"text":"It would be the research, but it would be potentially all of it if it is going to put you in a better position. If doing the research is not going to put you in a better position than what you currently have, then legally, I can't make that recommendation for you. It is just if by doing the research, it shows that, you know, the fees are lower, performance is better, and it gives us that flexibility with investment.","start_word":1237,"end_word":1316,"intents":[{"intent":"Make recommendations","confidence_score":0.32962424}]},{"text":"It would be the research, but it would be potentially all of it if it is going to put you in a better position. If doing the research is not going to put you in a better position than what you currently have, then legally, I can't make that recommendation for you. It is just if by doing the research, it shows that, you know, the fees are lower, performance is better, and it gives us that flexibility with investment. Only Yep.","start_word":1237,"end_word":1318,"intents":[{"intent":"Understand research","confidence_score":0.02469323}]},{"text":"then would I make the recommendation, but it would mean that you would have slightly less oversight with the changes.","start_word":1319,"end_word":1338,"intents":[{"intent":"Avoid oversight","confidence_score":0.0064462777}]},{"text":"I can research both options and make a recommendation which one is better for you, but it's also what Yeah.","start_word":1465,"end_word":1484,"intents":[{"intent":"Explore options","confidence_score":0.0048459684}]},{"text":"I think I would probably would want to understand both the options. Yep. I don't want too much overhead as well where you have to come Mhmm. back to me for every investment Yeah. or every change Okay. in investment as well. That is that is but but, yeah, I think let's let's understand what it entails and Yep. what it would require. Yep.","start_word":1498,"end_word":1561,"intents":[{"intent":"Understand investment process","confidence_score":0.32480434}]},{"text":"So, look, I haven't specifically gone through I don't know if you did send me some information on BlackRock, Yeah.","start_word":1562,"end_word":1581,"intents":[{"intent":"Provide information","confidence_score":0.23527287}]},{"text":"So it just talks a bit about, so basically, everything undone with the SMA itself. And then the second one was just to give you a bit more information on what an SMA is and the different portfolio.","start_word":1677,"end_word":1714,"intents":[{"intent":"Understand sma details","confidence_score":0.0116045475}]},{"text":"So it just talks a bit about, so basically, everything undone with the SMA itself. And then the second one was just to give you a bit more information on what an SMA is and the different portfolio. It doesn't show all the underlying investment, but it shows you the different portfolios that we have. So the different names of them.","start_word":1677,"end_word":1737,"intents":[{"intent":"Discuss portfolios","confidence_score":0.1787889}]},{"text":"with both the options, Yep. and I I can I can go through this document Yep. over the next week In or your so, own and time? we can talk Yeah. here?","start_word":1855,"end_word":1886,"intents":[{"intent":"Discuss investment options","confidence_score":0.12375435}]},{"text":"So you will have more information in the SMA if the SMA turns out to be better. If the other model portfolio turns out to be better, then I will recommend that for you. Sure.","start_word":2145,"end_word":2179,"intents":[{"intent":"Discuss portfolio recommendations","confidence_score":0.030506417}]},{"text":"while I do have you on the phone, just to make sure I can, you know, prioritize it as well for you, I would like to book it in while I have you on the phone.","start_word":2477,"end_word":2512,"intents":[{"intent":"Book appointment","confidence_score":0.75355697}]},{"text":"And did your income change at all with that with the change?","start_word":2832,"end_word":2843,"intents":[{"intent":"Confirm income change","confidence_score":0.08829897}]},{"text":"Do you know so employers are only required to pay contributions up to 30,000. If you go over that, some employers stop. They don't pay more than 30 because they don't legally have to. Some employers do.","start_word":2932,"end_word":2968,"intents":[{"intent":"Confirm eligibility","confidence_score":0.0025839226}]},{"text":"That way I have the most up to date and correct information for you. Okay.","start_word":3088,"end_word":3102,"intents":[{"intent":"Update information","confidence_score":0.71083015}]},{"text":"So that's another thing I wanted to get some advice Mhmm. on Mhmm. on tax saving.","start_word":3119,"end_word":3134,"intents":[{"intent":"Obtain advice","confidence_score":0.00433015}]},{"text":"And one thing I was considering was additional super contribution, but obviously, that that money is locked away. But Yes.","start_word":3168,"end_word":3187,"intents":[{"intent":"Submiting additional contributions","confidence_score":1.6556247e-7}]},{"text":"But in the if I if I look at my previous five years accrual Mhmm. on the unused, you know, Yes. confessional contribution, then I have some room within that. Yes. Yes.","start_word":3282,"end_word":3313,"intents":[{"intent":"Discussing cap space unused","confidence_score":0.0009950945}]},{"text":"So you can definitely make a bit of lump sum if you want to to reduce it. You definitely can.","start_word":3314,"end_word":3333,"intents":[{"intent":"Reducing tax savings","confidence_score":0.018432688}]},{"text":"So tax is a bit tricky. So we would obviously from from superannuation, tax savings, and stuff like that, most definitely, that would be the way. Otherwise, to make your tax bill less, it would be an account.","start_word":3480,"end_word":3517,"intents":[{"intent":"Limiting tax savings","confidence_score":0.09424915}]},{"text":"Do you have, like, other savings or any other assets in your name?","start_word":3905,"end_word":3917,"intents":[{"intent":"Define assets","confidence_score":0.0019632226}]},{"text":"Maybe looking at another property down the track and maybe doing some traveling.","start_word":4532,"end_word":4544,"intents":[{"intent":"Discuss future plans","confidence_score":0.00026639472}]},{"text":"do have Yep. here as well when it comes to retirement that, ideally, you would like to retire at the age of 65 with a weekly income of about a thousand dollars per week. Is that still kind of the case for you, or do you think you wanna retire a bit earlier? No. That's okay.","start_word":4615,"end_word":4670,"intents":[{"intent":"Discuss retirement goals","confidence_score":0.30112743}]},{"text":"I wanted to get advice on TPD particularly.","start_word":4893,"end_word":4900,"intents":[{"intent":"Get advice on ppdd","confidence_score":0.35302508}]},{"text":"Do I really need TPD and that to such a high cover? Because considering my job, Yep. I am more like a desk job. I don't go to work at sites or it's not a high risk job and other things. But so whether PPD is really useful or not, and probably wanted to make a call on PPD particularly whether I need it at all. Yeah.","start_word":4901,"end_word":4967,"intents":[{"intent":"Understand tpdd's relevance","confidence_score":0.000708726}]},{"text":"But so whether PPD is really useful or not, and probably wanted to make a call on PPD particularly whether I need it at all. Yeah.","start_word":4942,"end_word":4967,"intents":[{"intent":"Make a call on pdd","confidence_score":0.6113248}]},{"text":"So TPD is one of those tricky one where it's like, I think it's always good to have if it's affordable and depending on what your goals are.","start_word":4968,"end_word":4995,"intents":[{"intent":"Have affordable pdd","confidence_score":0.17333429}]},{"text":"Sometimes there's more cost associated because if you can't work, is there any you know, you need to make a modifications to the home.","start_word":5222,"end_word":5245,"intents":[{"intent":"Discuss future changes to home","confidence_score":0.00015785564}]},{"text":"Sometimes there's more cost associated because if you can't work, is there any you know, you need to make a modifications to the home. Do you need any, you know, more medical bills and stuff like that?","start_word":5222,"end_word":5258,"intents":[{"intent":"Discuss costs","confidence_score":0.035865195}]},{"text":"So so do you recommend the is there somebody who can review this for me? Or what what is the guidance from here for Yeah.","start_word":5854,"end_word":5878,"intents":[{"intent":"Recommend reviewing super","confidence_score":0.20646475}]},{"text":"So if you tell me what you want to have covered, if something were to happen to me, then I can do the math and see if I can get some quotes accordingly. Yeah.","start_word":5936,"end_word":5969,"intents":[{"intent":"Request quote","confidence_score":0.0069553885}]},{"text":"Look, I think again the base premises of the life insurance was again, I'll talk about the life insurance, not particularly Yep. TBI was to cover up the liabilities in case of any Yes.","start_word":5970,"end_word":6003,"intents":[{"intent":"Ensure insurance coverage","confidence_score":0.000043946635},{"intent":"Discuss life insurance coverage","confidence_score":0.1885876}]},{"text":"just obviously ensuring that it doesn't really impact because I believe this will hopefully the cover will continue. Right? It's not like taking the new cover out and the previous cover goes away. Correct.","start_word":6294,"end_word":6327,"intents":[{"intent":"Ensure coverage continues","confidence_score":0.0007068077}]},{"text":"With that, though, is that it's super easy yeah. to decrease the cover because insurance mind are taking on less risk.","start_word":6352,"end_word":6372,"intents":[{"intent":"Reduce coverage","confidence_score":0.05278441}]},{"text":"If you're still quite quite comfortable to look at reducing life and TPD to six fifty, and that's your goal, then I can get those quotes for you.","start_word":6544,"end_word":6571,"intents":[{"intent":"Get quotes","confidence_score":0.18536961}]},{"text":"If you're still quite quite comfortable to look at reducing life and TPD to six fifty, and that's your goal, then I can get those quotes for you. Yes.","start_word":6544,"end_word":6572,"intents":[{"intent":"Activate life policy","confidence_score":0.0004997575}]},{"text":"What I will have to do is I'll just have to check the structure of your policy.","start_word":6604,"end_word":6620,"intents":[{"intent":"Check policy structure","confidence_score":0.3864165}]},{"text":"I need to triple check how your policy is set up if we can reduce because sometimes you can't have a higher amount of one of the others if it's linked, but I will find out for you. So, ideally, keep life as is, reduce PPD to six fifty, ideally, but I will triple check to make sure that's possible for you. Sure. Sure.","start_word":6713,"end_word":6776,"intents":[{"intent":"Reduce pdd","confidence_score":0.12808323},{"intent":"Confirm policy","confidence_score":0.024649924}]},{"text":"to claim TPD and then you were to pass away within twelve months, it could mean that you don't have a life insurance at all. Right.","start_word":6867,"end_word":6892,"intents":[{"intent":"Qualify for tpd","confidence_score":0.21533066}]},{"text":"Now with your income protection, you said you're quite comfortable with it. Obviously, because your income has gone up quite a bit from when your policy was taken out, you are quite underinsured in IP. That doesn't mean that you have to have it. Some people are comfortable with it. So IP is temporarily. So if you are temporarily unable to go back Yes.","start_word":6915,"end_word":6978,"intents":[{"intent":"Qualify for ip","confidence_score":0.09246733},{"intent":"Determine ip eligibility","confidence_score":0.00005488109}]},{"text":"It means, obviously, it's gonna get more expensive if you increase it and underwriting and stuff like that. You said you're still quite comfortable with 4,173? Yeah.","start_word":7009,"end_word":7035,"intents":[{"intent":"Confirm total cost","confidence_score":0.00025494568}]},{"text":"Because four weeks, it mean that you have to wait thirty days before you can start claiming on the income protection. And, typically, it's also paid thirty days in arrears. So that means Yep. about sixty days. Benefit period is how long you can be on claim for. So if something were to happen, Yep. the benefit is all the way up through the age of 65. Yep.","start_word":7080,"end_word":7147,"intents":[{"intent":"Calculate benefits and expenses","confidence_score":0.000443715}]},{"text":"So when you have a moment, Jayesh, have a look through the documents. Any questions, let me know. Otherwise, have a look through them.","start_word":7764,"end_word":7787,"intents":[{"intent":"Analyze documents","confidence_score":0.0071801157}]},{"text":"in terms of terms and conditions or the way structure or the fees or anything at all? Or No.","start_word":7839,"end_word":7857,"intents":[{"intent":"Clarify documents","confidence_score":0.10067571},{"intent":"Discuss terms and conditions","confidence_score":0.24108574},{"intent":"Verify application","confidence_score":0.0000062247805}]},{"text":"And that's perfectly fine at the end of the day. It is always just a free review. You know, there's Yep. no pressure or anything. So Yep.","start_word":8010,"end_word":8036,"intents":[{"intent":"Request review","confidence_score":0.01056325}]}]},"sentiments":{"segments":[{"text":"Hello? Good afternoon. This is Jayesh? Hello? Sorry. I can't hear you. Hello? Hello? Can you hear me? Yes. I can hear you now. Yeah. Sorry. Is this Jayesh? Yes. Yeah. This is Veronica from ICU Financial. How are you? Hi, Veronica.","start_word":0,"end_word":41,"sentiment":"neutral","sentiment_score":0.01306308526545763},{"text":"Good.","start_word":42,"end_word":42,"sentiment":"positive","sentiment_score":0.3537943363189697},{"text":"Just give me one second. I'm just putting my headsets on. Sure. Yeah. Can you hear me? Yes. Can you hear me okay? Yes. Yeah. Yes.","start_word":43,"end_word":68,"sentiment":"neutral","sentiment_score":0.07950863987207413},{"text":"Perfect. I just had you booked in just to kind of finish off the annual review that we started last week, just the last couple of things.","start_word":69,"end_word":95,"sentiment":"positive","sentiment_score":0.3710435926914215},{"text":"Yep.","start_word":96,"end_word":96,"sentiment":"neutral","sentiment_score":0.27026426792144775},{"text":"Now is still a good time for you?","start_word":97,"end_word":104,"sentiment":"positive","sentiment_score":0.36421069502830505},{"text":"Yes.","start_word":105,"end_word":105,"sentiment":"neutral","sentiment_score":0.31596821546554565},{"text":"It's good. Yeah. Perfect.","start_word":106,"end_word":109,"sentiment":"positive","sentiment_score":0.4412769675254822},{"text":"Now just before I do go any further, just like usual, just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yeah. That's Perfect. And just to confirm perfectly I am speaking with the right person, just for security purposes, could you just confirm your full name, date of birth, and address, please? fine. My full name is Jayesh Agrawal. Date of birth, twenty first September nineteen eighty, and address is 20 Elkhorn Way, Point Cook, Victoria. Yes.","start_word":110,"end_word":197,"sentiment":"neutral","sentiment_score":0.10720617324113846},{"text":"Perfect. That's exactly what I have here.","start_word":198,"end_word":204,"sentiment":"positive","sentiment_score":0.4966651499271393},{"text":"And how's your day been so far? Been busy? Yeah. This is work. Yeah. Well, I will try not to keep you for too long. Good news is we kind of did half of it last time, so it shouldn't take too much longer. But before I kind of jump in through go over the stuff with you, did you have a chance to read through any of the documents? Did you have any questions with the SMA or any other thoughts, or did that kind of clarify some of the questions that you had last time? No. I I did go through the the documents, and I also logged on to Hub 24 portal, and I went through some of the reports there as well. Yep. So yeah. Oh, And, obviously, perfect. I have few questions, but, yeah, we can go through it as we talk. Yes. Yeah.","start_word":205,"end_word":353,"sentiment":"neutral","sentiment_score":0.10438542813062668},{"text":"Great. Perfect.","start_word":354,"end_word":355,"sentiment":"positive","sentiment_score":0.5808115750551224},{"text":"So, basically, kind of from from the call we started last time, from today, what I will do is I will go and do some more in-depth research in regards to your investment, especially seeing if we can swap some out that is, you know, underperforming a little bit to see if we can obviously put you in a better position and make sure that we always have you in the best investment possible for you. And it is important to do because, obviously, the market in the world is always changing. So it's not something we just wanna leave you in forever. We do wanna keep update and reviewing it. So after the call today, I will go and do that research. From then, I will put a recommendation into a statement of advice for you where I will go through my recommendation. And then you can basically let me know what you think of the changes, if you're happy with them, if you're not making alterations or changes essentially from them. Does that Yep. kind of make sense? Yeah. No. That makes sense. Yep. Yep. Specifically, obviously, the last since July 25, I looked at the performance of the portfolio and it has Mhmm. not been that great. If I just look at simply the investment growth, Yep. Yep. while in the previous years, it has been around the 10%, maybe Better. even more kind Yeah. of mark. This year, Yep. it has been below 2%. Mhmm. So that is a real concern for me, to be fair. Yeah. And it is also, you know, why we do wanna review it because, especially the the Bennelong one, when you did come on board and up until fairly recently, like we touched on, had done really well, which obviously contributed to the return. And, typically, in, you know, a a growth portfolio that we do have you invested in, we would see that you know, obviously, you never know what's going to happen in the world and the market. But typically speaking, the likelihood of a negative return is about one in every five years. So what we are seeing is, like, is not out of the norm for how the market would typically react. Obviously, there's different situations and stuff like that. The biggest thing is, obviously, you don't want it to be a long term thing because then there could be more structural issues, obviously, with a different investment. So if for, you know, one period of time, it is not as great, Typically, it's not too much of a concern unless there's obviously underlying investment issues that we want to address. So from, like, looking at the portfolio as a whole, the biggest thing we did wanted to address was your Benelon investments, which is what I will focus on. I will review all of them for you to see if we do need to make changes elsewhere as well, Yep. but specifically focusing on that Benelon. And and part of the research as well is to kind of gauge what your comfortable level was in regards to the SMA. So the good thing with the SMA and how it was different, and I'm not sure if you've had too much time to read on it, is that because, obviously, the markets are changing rapidly and quickly. You know, there are things that it it can drop and fluctuate on a daily quite quickly.","start_word":356,"end_word":933,"sentiment":"neutral","sentiment_score":0.03493736922792497},{"text":"So the way that things are, because it's obviously so much compliant and legislation behind everything, also can make sure that you are fully informed and consented at all points in time. So Yep. with the SMA, the the way that it's different is that it allows us to make this quickly those changes quickly. Because how it works is that you would be invested in a portfolio.","start_word":934,"end_word":1001,"sentiment":"positive","sentiment_score":0.4439403712749481},{"text":"And then in that portfolio, there's still, you know, heaps of underlying investments.","start_word":1002,"end_word":1014,"sentiment":"neutral","sentiment_score":0.2721143066883087},{"text":"So you would be invested in a particular portfolio. And then by doing so, it allows us along with BlackRock who we partnered up with to create the SMA is that we can very quickly make a change.","start_word":1015,"end_word":1052,"sentiment":"positive","sentiment_score":0.48191037774086},{"text":"We could just make a a quick change in the back end to let you know of any changes, but we wouldn't have to go through the whole SOA research process where you would have to, you know, book an appointment, go through the SOA, you to agree, and approve the changes before we can make a change, which sometimes can take a couple of weeks. But on the other hand, some clients are more comfortable with, no. Okay. I'm I'm okay for it to take a little bit longer. I do wanna have the SOA.","start_word":1053,"end_word":1148,"sentiment":"neutral","sentiment_score":0.08695954084396362},{"text":"I do wanna have all of that, and I would like to agree to the changes before they happen.","start_word":1149,"end_word":1167,"sentiment":"positive","sentiment_score":0.3462395966053009},{"text":"So I do have some clients that goes both ways. Do you have a preference of what you prefer or what your thought process is on is SMA something you would be comfortable going down if it's going to put Yeah. you in a better position or not really? So are we talking about moving the entire portfolio to BlackRock or just only the managed fund part of it? It would be the research, but it would be potentially all of it if it is going to put you in a better position. If doing the research is not going to put you in a better position than what you currently have, then legally, I can't make that recommendation for you. It is just if by doing the research, it shows that, you know, the fees are lower, performance is better, and it gives us that flexibility with investment. Only Yep. then would I make the recommendation, but it would mean that you would have slightly less oversight with the changes. If you'd go into Hub twenty four, you can still see all the underlying investment, but we could make a change in the back end, let you know of the change. So it's kind of a quicker process, but also something that you would have to be comfortable with.","start_word":1168,"end_word":1387,"sentiment":"neutral","sentiment_score":0.09570661187171936},{"text":"Some people think it's great because that means they don't have to be involved as much, and they still get updated of the changes. And it means because we can make the changes quicker, we can hopefully, you know, make changes before there is a bit of a market dip if we foresee something happening.","start_word":1388,"end_word":1442,"sentiment":"positive","sentiment_score":0.4144811034202576},{"text":"Mhmm. But some people are wanting that full transparency before a change. So, ultimately, it's up to where you are comfortable with. I can research both options and make a recommendation which one is better for you, but it's also what Yeah. you are comfortable Yeah. Yeah. No. I think that that makes with. sense. I think I would probably would want to understand both the options. Yep. I don't want too much overhead as well where you have to come Mhmm. back to me for every investment Yeah. or every change Okay. in investment as well. That is that is but but, yeah, I think let's let's understand what it entails and Yep. what it would require. Yep. So, look, I haven't specifically gone through I don't know if you did send me some information on BlackRock, Yeah. which particular fund we are talking about, but I didn't really get a chance to go through that to be That's fair. okay. No. That's okay. Sorry. It was Did you more send the me some information on that? Or you would yes. have. Right? Yeah. Oh, I did. okay. So it was no. That's okay. It was more like the general. So it wasn't the underlying investment. I sent you two documents. One was a product disclosure statement. Basically let me see how many pages. Yeah. 18 pages, and it's with hub Right. 24. So it just talks a bit about, so basically, everything undone with the SMA itself. And then the second one was just to give you a bit more information on what an SMA is and the different portfolio. It doesn't show all the underlying investment, but it shows you the different portfolios that we have. So the different names of them. So we have, like, a balanced option, a growth option, a high growth option, and then a super high Yeah. growth option. So it just gives you some general information. So if it is that you are comfortable with to not you know, if you don't want to have that every time we need to make a change, we have to call you, go through the process, then I'll consider the estimate.","start_word":1443,"end_word":1809,"sentiment":"neutral","sentiment_score":0.03340052728787349},{"text":"But if you said that you want that oversight, then I won't do it.","start_word":1810,"end_word":1823,"sentiment":"negative","sentiment_score":-0.4315728545188904},{"text":"Right. Yeah. Look, I haven't really gone through this document to be fair. So I probably but, yeah, let's I think you can do a research on your end Okay. Okay. with both the options, Yep. and I I can I can go through this document Yep. over the next week In or your so, own and time? we can talk Yeah. here? Yeah. We can So Mhmm. so how tell me one fundamental thing. So this is so this is still gonna be managed through Hub twenty four as a platform, but by BlackRock's managed fund as an investment vehicle. Right? So it will be not invested directly by Oku into different different portfolio starting, but to align to BlackRock's portfolio strategy daily. That's the fundamental difference I believe there. A bit of both. Sorry. It would still be Hub twenty four. Is that still the best? So I'll still research Hub twenty four just to make sure that's still the best option for you when we are looking at everything. Fine. So let's say if it is Hub twenty four, stay with Hub twenty four, then Hub 24 would be like your platform. So think of it as like your bank account. That's just what holds your money. Then Oakview, along with BlackRock, so we've partnered up together. Sorry. Oakview's investment committee with BlackRock investment committee together structures the portfolio and manage, you know, the different investments and stuff like that. Got it. Yeah. Yep. Does that make sense? Yeah. Yeah. No. It makes sense. Yeah. Okay. Yeah. Yeah.","start_word":1824,"end_word":2084,"sentiment":"neutral","sentiment_score":0.04213711619377136},{"text":"Got Perfect. it. Alright.","start_word":2085,"end_word":2088,"sentiment":"positive","sentiment_score":0.4782186448574066},{"text":"So I will research both options for you anyway. I'll put them together for you. When I do go through the statement of advice, if it is that the SMA comes out better, they will also have more information on, like, the pros and cons of the SMA, all the fees, and stuff like that.","start_word":2089,"end_word":2143,"sentiment":"neutral","sentiment_score":0.1963441182266582},{"text":"Yeah. So you will have more information in the SMA if the SMA turns out to be better. If the other model portfolio turns out to be better, then I will recommend that for you.","start_word":2144,"end_word":2178,"sentiment":"positive","sentiment_score":0.3979785144329071},{"text":"Sure. Sure. Can I also Yep. understand the past performance as well for BlackRock, Mhmm. the particular portfolio you're recommending? Yeah. Or is Yes. it already there? No, sir. I would have to do all that research to see which one's Yeah. going to be the best for you, but it will be in that document. So it depends which one. It depends on if you but I think from the last conversation, you said you're still quite comfortable in your growth portfolio. So similar risk Yeah. volatility. So I will look at your growth options and aim for that eighty twenty split. And then that one, I will, in the essay, show you. I will show you the performance. I can do, like, your twelve twelve month, three year, five years to give you all of it and then Mhmm. all the fees as well so that you can see the difference yourself. Yeah. Okay. Yep. And Now you'd also be able to give me a comparison between the current Yes. portfolio versus the proposed Yes. portfolio. Yeah? 100%. Yes. We always have to do it when we make any changes because I need to make sure that if I do make a proposed change, it will put you in a better position. Otherwise, I will say, no. What you have right now is the better option. So, yes, I definitely have to compare both options, and I'll do more options. So we have other portfolios as well, so I will compare a few different ones for you to make sure that whichever it is that I recommend will be the best for you. Sure. Sure. Yep. Yeah. Okay. Now it will take me about ten days or so to get Yep. this sorted. So Mhmm. while I do have you on the phone, just to make sure I can, you know, prioritize it as well for you, I would like to book it in while I have you on the phone. Now when is typically best time for you? Alright. So ten days. Yeah. I think the week of thirteenth is pretty crazy as well for me. So Okay. We can do the following week. yeah. The week of twentieth Mhmm. is is fine. Yep. Which day is better for you typically? We can do Tuesdays Yep. morning hours, if that's okay. Yeah. Let me have a look here. I could do. If I do 09:00 my time, that's 10:00. Oh, wait. Hold on. When does no. Daylight savings The ended. clock changes. Oh, that's Yeah. good. Yes. 09:00. Would that work? Could we could we do 09:30 or maybe ten, if Yes. that's We okay? can do let's do ten. 10:00? Yeah. 10:00.","start_word":2179,"end_word":2634,"sentiment":"neutral","sentiment_score":0.129962008495472},{"text":"Okay. Perfect. And that's when I will actually send you the document, and we can go through it together. I'll Okay. obviously make sure you have time to read over it to make sure you are, you know, happy with everything. Take your time as well.","start_word":2635,"end_word":2680,"sentiment":"positive","sentiment_score":0.5493568778038025},{"text":"So that is booked in on Tuesday, April 21 at 10AM. Yep. The other just for me to finalize all of this for you, I do need to just quickly run through an updated fact line just to make sure that I have all your correct information and details so that I can do, you know, the advice and everything appropriately and correct for you. So bear with me as I go through this, and I'll try and do it as quickly as I can for you. Sure. Now I do have you down here as married with financial dependent. Is that still the case? Perfect. Occupation title as data consultant, still doing the same job? Yep. Yeah. The title is different, but yeah. It Okay. it's in the IT field. Yeah. What's the occupation title? Sorry. It's associate director. Oh, perfect. At the Rexta. Still within IT? Yeah. Yeah.","start_word":2681,"end_word":2830,"sentiment":"neutral","sentiment_score":0.1238289549946785},{"text":"Perfect.","start_word":2831,"end_word":2831,"sentiment":"positive","sentiment_score":0.6541546583175659},{"text":"And did your income change at all with that with the change? What do you have on the file right now? I have 265 including Yeah. commission. Yeah. Yeah. So Yep. it's approximately the same. Yeah. Perfect. And then base Yeah. income, I have 210. Yep. Now I do have here that you get employer contributions on the 210, so you're based and not on commissions. Is that correct? No. I think I would get it on commission as well. On commissions? Okay. Perfect. I Yeah. will update that. Let's see here. Now that does take you over the cap. Do you know so employers are only required to pay contributions up to 30,000. If you go over that, some employers stop. They don't pay more than 30 because they don't legally have to. Some employers do. Still go over. Do you know if your employer stops at 30,000? Because if your income is through a 165 and you get 12%, that's 31,800. I would need to find that out. I don't know for sure. Okay. Okay. Because it's it's commission dependent. It's probably yeah. I'll Yeah. I'll need to find that out. Yeah. That's Okay. a good question. Yeah. No. That's okay. If you can find out for me, that would be good. That that would that would help their their research. If you don't know, I can always do two comparisons, one stopping at thirty and one exceeding.","start_word":2832,"end_word":3071,"sentiment":"neutral","sentiment_score":0.01758531481027603},{"text":"But if you can find out and just email it to me, that would be great.","start_word":3072,"end_word":3087,"sentiment":"positive","sentiment_score":0.4013935923576355},{"text":"That way I have the most up to date and correct information for you. Okay. Yep. Now, otherwise, aside from that, you are not making any additional contributions, are you? Yeah. So that's another thing I wanted to get some advice Mhmm. on Mhmm. on tax saving. Yep. This year, particularly because I am gonna exceed yeah. So, yeah, it's gonna be more than $2.52 70 k, and obviously, Mhmm. additional tax burden. So Yep. what options are there? And one thing I was considering was additional super contribution, but obviously, that that money is locked away. But Yes. are there other options available?","start_word":3088,"end_word":3191,"sentiment":"neutral","sentiment_score":-0.008640763649824433},{"text":"So you you're kind of a little bit in a hard position with the tax and super because of the high income. So the way that it is at the moment is that you are already exceeding that cap space. So so that would mean that any contributions over 30,000, you are already gonna have to pay the additional tax on you. You're not going to get the same tax savings. So making additional contributions through superannuation wouldn't be a tax saving because you've already reached the cap space.","start_word":3192,"end_word":3280,"sentiment":"negative","sentiment_score":-0.47975242137908936},{"text":"Yeah. But in the if I if I look at my previous five years accrual Mhmm. on the unused, you know, Yes. confessional contribution, then I have some room within that. Yes. Yes. So you can definitely make a bit of lump sum if you want to to reduce it.","start_word":3281,"end_word":3330,"sentiment":"neutral","sentiment_score":0.06561537832021713},{"text":"You definitely can.","start_word":3331,"end_word":3333,"sentiment":"positive","sentiment_score":0.4159718453884125},{"text":"Do you know if you do have unused cap space, then, yes, that's the way Yeah. that you can do it. Obviously, if your income will continue to be high, you will run out of that, obviously, eventually. But if at the moment you do have unused cap space, then that is a good way to do it. But like you said, it does mean that it is locked into superannuation until you meet a condition of release. So if, for example, you turn 60 and you stop working, it will be locked into that time. Yeah. Yeah. So, Yeah. yeah, I I have a view of the unused, you know, contributions, but I was Oh, wondering yeah. if there is if that's the only suggestion or are there any other suggestions from your side? From Does a it tax make sense? saving. Yeah. Yeah. Yeah. So tax is a bit tricky. So we would obviously from from superannuation, tax savings, and stuff like that, most definitely, that would be the way. Otherwise, to make your tax bill less, it would be an account. So it is a little bit different, so they would be the best person to speak to when it comes Yep. to what deductions can you make and stuff like that to get Yep. that down as much as possible. Do you Yeah. have Yeah. a good account and stuff that Yeah. you Yeah. deal I have with? a I have an accountant Right. that I deal with. So, yeah, probably, I'll Yes. have it out with him. Okay. Yeah. Yep. Yeah. That will be because they were obviously licensed in that area, so they will be the best one when it's like, cool. What can we do? And do you have private health insurance? Yes. I do. Yep.","start_word":3334,"end_word":3636,"sentiment":"neutral","sentiment_score":0.01227791290176977},{"text":"Great. Perfect.","start_word":3637,"end_word":3638,"sentiment":"positive","sentiment_score":0.5344008207321167},{"text":"Because otherwise, especially with high income and that's a hospital as well? Yeah. Hospital plus Yep. extras. Yeah.","start_word":3639,"end_word":3656,"sentiment":"neutral","sentiment_score":0.08004920929670334},{"text":"Great. Perfect.","start_word":3657,"end_word":3658,"sentiment":"positive","sentiment_score":0.4137566089630127},{"text":"Because that's another one sometimes where if you don't have it, then you will get the additional Yeah. medical tax levy.","start_word":3659,"end_word":3679,"sentiment":"neutral","sentiment_score":0.16934755444526672},{"text":"So that is great that you have that in place already.","start_word":3680,"end_word":3690,"sentiment":"positive","sentiment_score":0.5242674350738525},{"text":"Yep. Now assets and liabilities wise, let me see here. What are you guys renting at the moment? No. We we stay in that one or not the page one. Okay. Perfect. Let me just update that here. And how much is that one valued at? Evaluation, Yes, please. about $1,100,000. 1.1. Perfect. And do you know what the mortgage would be roughly? I think about $6.50 ks. $6.50. Alright. Perfect. Do you have any investment properties or anything like that? Yeah. I've got one investment property in Rockhampton. Perfect. And how much would that one be valued at? Just let me have a look on Yep. real estate. Okay. 600 Six hundred? Perfect. And do you have a mortgage on that one as well? k? Yeah. I have an outstanding mortgage of $242 on Two it. Yeah. 42. Alright. Perfect. Motor vehicles? Yeah. I own a car. Yeah. And how much would that one be valued at, do you think? I think less than 20,000. 20? Yeah. Less than that. Maybe 18,000. Okay. Yeah. 18. Anything owing on it? No. No. Perfect. Any other motor vehicles or boats or bikes motorbikes or anything? No. I don't own it, but my wife owns, so I wouldn't count Okay. that. Yeah. Yeah. No. That's okay. Do you have, like, other savings or any other assets in your name? Obviously, we have the investment bonds, but that's more obviously for your children. But any other assets? Yeah. Savings savings would be about just give me a second. Yep. Yeah. About 150 k. $1.50. Perfect. Now any other lie bill sorry? No. So I also invest in shares. So Yes. that portfolio right now is about about $1.60 k. $1.60. Perfect. And which platform do you have that one on? I use IG. Oh, yeah. Perfect. Yeah. Any other assets, sorry, Jess? No. Perfect. No. Any other liabilities, That's like personal loans or credit card or ZipPay? it. Yeah. Credit card is there. I me and my wife share a credit card. I think the limit Mhmm. on that is, I think, 5,000 or $6,000. Okay. And is that one that you kind of pay off for points, or do you have about six owing on it? Oh, no. We always pay it on time. Okay. Perfect. Yeah. No. I wouldn't add that then. And health and lifestyle wise, have you down here as a nonsmoker? Yep. Non Yep. smoker. Perfect. Any changes to your health in the last twelve months? Any medications or injuries or anything? Not really. What do you No? have on card there? I just have no health no significant health issues. Oh, no. I I take I take a couple of medications. So BP medication and diabetes medication as well. Okay. Perfect. And Yeah. is that a type one, type two for diabetes? Is that insulin? No. Not insulin. Just a tablet. Yep. Was it the general one is type two, I believe. Yeah. So, yeah, Yes. it's probably It type is. two. Type one Yeah. is when you're insulin dependent. Alright. No.","start_word":3691,"end_word":4205,"sentiment":"neutral","sentiment_score":0.0221412968722362},{"text":"Perfect.","start_word":4206,"end_word":4206,"sentiment":"positive","sentiment_score":0.392241895198822},{"text":"No.","start_word":4207,"end_word":4207,"sentiment":"neutral","sentiment_score":0.1577243208885193},{"text":"So that's the other one, which is good.","start_word":4208,"end_word":4215,"sentiment":"positive","sentiment_score":0.377579927444458},{"text":"And sorry. What was the other medication for? Did you say it was a blood pressure? Blood Oh, sorry. pressure. I didn't hear. Yeah. Yep. Yeah. Blood pressure. Perfect. Yeah.","start_word":4216,"end_word":4245,"sentiment":"neutral","sentiment_score":0.013127334415912628},{"text":"Great.","start_word":4246,"end_word":4246,"sentiment":"positive","sentiment_score":0.38537463545799255},{"text":"But you haven't really had any issues with any of that in the last, No. you know, little while?","start_word":4247,"end_word":4265,"sentiment":"neutral","sentiment_score":0.061996325850486755},{"text":"Great.","start_word":4266,"end_word":4266,"sentiment":"positive","sentiment_score":0.35131436586380005},{"text":"Perfect. Now when it comes to estate planning, do you guys have a will in place? No. No. We don't. No. That's okay. Do you have a, like, a power of attorney or anyone who makes any financial decisions on your behalf? No. We don't. No. Perfect. And are you involved in politics, like politically exposed or a tax resident in any foreign jurisdiction? I so I'm not politically active, but I'm part Mhmm. part of the I'm part of the member the labor labor party. Okay. I Yeah. have a membership with them, but I don't really get involved much. Okay. Yeah. Now And that's there. I I I I I was a resident of India, but obviously, Okay. now I'm a resident of Australia. But I have Yes. a I have a property there, and I do file tax returns in India. Okay. Yeah. Do you and with the property, do you get, like, rent rental income or earn, like, income from there? Yeah. Yeah. I do earn income, but I've never repatriated it in Australia. The Okay. income stays in India, and I filed the tax returns back Okay. in India. Great. Perfect. Yeah. No. That's separate then, which is good. Now, otherwise, when it comes to, I guess, goals and stuff that you are working towards that you are wanting to achieve, I have here that last time when we spoke to you, you were kind of focusing on first setting up the child investment and then just kind of focusing on growing your investment portfolio a little bit yourself. Yep. Maybe looking at another property down the track and maybe doing some traveling. Is that still kind of, I guess, your your main focus? Yeah. So Mhmm. traveling is always happening, but, yeah, that's fine. I think this this was pretty old, I think, if I remember all this Yeah. information. But yeah. But yeah. Probably looking to maybe invest in another property in Yep. Australia. And yeah. That's probably The main probably, thing? yeah, the main Yep. Yep.","start_word":4267,"end_word":4610,"sentiment":"neutral","sentiment_score":0.02195685522544176},{"text":"Perfect.","start_word":4611,"end_word":4611,"sentiment":"positive","sentiment_score":0.5335085391998291},{"text":"Now I thing. do have Yep. here as well when it comes to retirement that, ideally, you would like to retire at the age of 65 with a weekly income of about a thousand dollars per week. Is that still kind of the case for you, or do you think you wanna retire a bit earlier? No. That's okay. No. 65 Six is to keep keep six yourself to five busy. five. Yeah. Yeah. But I don't know about the thousand dollars to be very Okay. fair because given Yes. inflation and other things, Yep. I don't know. A thousand dollars would be Not relevant too much. at that time. Yeah. No. If you were to kind of your your goals today, would you say, like, 1,500, 3,000, what would be, Yeah. like, Yeah. okay. Probably 1,500. 1,500?","start_word":4612,"end_word":4749,"sentiment":"neutral","sentiment_score":0.009384437464177608},{"text":"Great. Perfect.","start_word":4750,"end_word":4751,"sentiment":"positive","sentiment_score":0.4309881329536438},{"text":"Yeah. I will update that. Now the other thing is just with the documents that I did send you last time, when you have a moment, have a read over them as well. Most of them, we kind of touched on, which was, like, your Vanguard index chart and their performance. Another one is your tal insurances. So you have about Yes. 1.1 so this will be detailed in the SOA for you anyway, but you have about Yes. 1.1 worth of life and total permanent disability insurance. Are you quite happy with that level of cover and stuff like that? Mhmm. Yeah. So I actually Yep. wanted to discuss that. So life, I'm okay. I think one point, it's actually 1.2, closer to 1.2 at this point in time. Mhmm. Yep. Income correction looks fine as well, but Mhmm. I wanted to get advice on TPD particularly. Yep. Do I really need TPD and that to such a high cover? Because considering my job, Yep. I am more like a desk job. I don't go to work at sites or it's not a high risk job and other things. But so whether PPD is really useful or not, and probably wanted to make a call on PPD particularly whether I need it at all. Yeah. So TPD is one of those tricky one where it's like, I think it's always good to have if it's affordable and depending on what your goals are. So typically speaking, it's very individually through your family situation. So TPD is obviously totally and permanently disabled. Now, obviously, like you said, if you are in a super high risk occupation, sometimes the insurance won't even give you cover, but the the chances of something happening at work is higher. TPD isn't just related to work. So that is totally and permanently disabled.","start_word":4752,"end_word":5059,"sentiment":"neutral","sentiment_score":0.017434217713095924},{"text":"So if anything were to happen to you, after you got your policy put in force and you are unable to work now that could be, an illness, a diagnosis.","start_word":5060,"end_word":5089,"sentiment":"negative","sentiment_score":-0.3579961061477661},{"text":"It could be, let's say, if you are in a car accident. Let's say you you break your back or something and you you can't work. Let's say if there will be any, you know, mental stuff, can't mean that you cannot do your job. Let's say if you take off a super risky occupation, let's say you do skydiving or, you know, off mountain climbing or whatever it might be, and something happens to you and you cannot go back to work, that's when the TPD is really helpful for. So for a lot of the clients, the TPD is sometimes more important than life cover because TPD means that you will still be around, but you can't work. So all the costs and stuff like that would still be around. Sometimes there's more cost associated because if you can't work, is there any you know, you need to make a modifications to the home. Do you need any, you know, more medical bills and stuff like that? That's what the TPD is typically for. So that is if you are unable to go back to work permanently. Now if something were to happen like that, you could get your superannuation paid out as well, but that would obviously only get you so long.","start_word":5090,"end_word":5304,"sentiment":"neutral","sentiment_score":-0.1181930035352707},{"text":"Then it would be gone.","start_word":5305,"end_word":5309,"sentiment":"negative","sentiment_score":-0.35386815667152405},{"text":"So PPD, generally speaking, I think, is very important, especially if you have younger children and you, you know, wanna make sure that you can continue to support them, continue to oversee assist with bills and expenses. But it also depends on your, obviously, your your wife. Can you guys survive on her income alone if you cannot work, if you can never go back to work? Or do you are you quite dependent on your income as well? Yeah. But I have both TPD and income protection. So, again, comparing, do I need both? Even if I need both, does the cover that I have currently make sense on TPD specifically? Because it's again the same as life insurance, which is one Yep. $200,000 Do I need such a high cover to be there as well, right? Yes. So those That are some of the questions yeah. and yeah.","start_word":5310,"end_word":5459,"sentiment":"neutral","sentiment_score":-0.0010160856181755662},{"text":"Oh, and it is very good.","start_word":5460,"end_word":5465,"sentiment":"positive","sentiment_score":0.44930657744407654},{"text":"So so PPD and IP have different functions. So if we just focus on PPD for now, then we're going to income protection. TPD will be a lump sum payment. So that is a lump sum payment paid directly to you. You obviously have to make that last, and you only get that while you have through doctors sign off on the fact that you are never able to go back to work again. So it is a little bit harder to climb on on that way, especially if you have a desktop like you said, but there can be different reasons why you can't go back Yep. to work. Now when it comes to the level of cover of what's appropriate, it comes down to what your specific goals are. So, for example, some people, as a starting point, go, well, if something were to happen to me, I would actually make sure that all my debts paid out. So the mortgage is not there. So then at least if I'm not working, the the, you know, living expenses might be fine on my partner's income. But at least the mortgage is cleared off, so that's not, you know, hanging over me, so we have to move. Some people want okay. Well, I want my investment property also paid off because then that means that we can potentially keep the investment property, get rental income, and we, again, don't have that. Some people, if they have other debts, they want that paid off. Some people want okay. Well, if I can't work, I want five or ten years worth of my income replacement because I can never go back to work. Some people go, okay. Well, I wanna make sure that if, let's say, the depending on what the school arrangement is, if you have private if you're wanting to look at private schools. Okay. Well, at the moment, private schools, let's say, is 10,000 a year, and the kids have, you know, five years left of school, then I wanna make sure I have, you know, 50,000 put aside to cover school fees. There's probably a lot of information, but in terms of how appropriate the cover is, it comes down to what you want to have happen if something were to happen to you. Yeah. So so do you recommend the is there somebody who can review this for me? Or what what is the guidance from here for Yeah. So I can part of part of reviewing their super, I yep. can definitely review it for you. And in reviewing that and looking at, okay. Do you have too much? Do you wanna reduce it? Yep. It's finding out, okay. Well, I can do all the math for you, but Yep. what is important to you? So if you tell me what you want to have covered, if something were to happen to me, then I can do the math and see if I can get some quotes accordingly. Yeah. Look, I think again the base premises of the life insurance was again, I'll talk about the life insurance, not particularly Yep. TBI was to cover up the liabilities in case of any Yes. events that happen. And Yep. just looking at the current liabilities, which is sitting around $6.50 ks primarily. Yep. Yep. And then having three covers, life keeping. I know purpose is different for each of them. Mhmm. I think that's that's the main sort of objective really. Yep. Right? Just the desk. Yep. Yeah. Correct. So, yeah, Yep. I think probably if you can look at it from that lens. And, obviously, Okay. my wife works, Mhmm. Yes. so she has an income as well. So and Yep. and she has a she has an equivalent cover as well. Right? Her cover might Mhmm. be a little less, probably around a million dollars. But, again, Mhmm. she has income protection, TPD, and life insurance as well. Okay. That's something what So happened so to yeah. her. Yeah. Correct. So Yeah. we have we have kind of the same covers. Okay. So, yeah, it really doesn't make sense to have such Yeah. high covers. Yeah. Because Yeah. because what I can do for you, if your main goal is just cover debt of $6.50, I can get quotes for and see letting you know, well, how much is it going to cost to reduce it to $6.50. Or I could Got do it. $7.50 if you want a bit extra. But if you are kind of like, I don't need it, I my only focus or my main focus is just covering that, and I'm happy to just have my main mortgage covered at $6.50, then I can go to to Cal and get quotes and put that together at $6.50 and let you know what the cost would be. Yeah. Probably yeah. Yeah. If you could do that and Yeah. just obviously ensuring that it doesn't really impact because I believe this will hopefully the cover will continue. Right? It's not like taking the new cover out and the previous cover goes away. Correct. So Sorry.","start_word":5466,"end_word":6329,"sentiment":"neutral","sentiment_score":0.02578925065420292},{"text":"It would be it would be so the good within the type of cover you have, it is good.","start_word":6330,"end_word":6348,"sentiment":"positive","sentiment_score":0.35092130303382874},{"text":"It's underwritten. With that, though, is that it's super easy yeah. to decrease the cover because insurance mind are taking on less risk.","start_word":6349,"end_word":6371,"sentiment":"neutral","sentiment_score":0.14223277827967767},{"text":"So they are quite happy to decrease.","start_word":6372,"end_word":6378,"sentiment":"positive","sentiment_score":0.6118758916854858},{"text":"It's just a quick form. You you retain your policy, everything. You don't Yes. have to go through underwriting. It is literally a quick form to say that I would like to reduce my cover.","start_word":6379,"end_word":6413,"sentiment":"neutral","sentiment_score":0.134284645318985},{"text":"The insurers are happy.","start_word":6414,"end_word":6417,"sentiment":"positive","sentiment_score":0.6488155722618103},{"text":"The only thing I do wanna let you know is to make sure you are aware that if we decrease it down to $6.50, and let's say in two years' time, you buy three investment property and you change your mind and you're going, you know what? I think I want 1.1 again. It's going to potentially be hard to go up to that amount because by Right. increasing it, the insurers are saying, well, we are now taking on more risk. So Yep. you have to go through the whole underwriting process again. And if anything has changed with your health, that can make it difficult to Got get new cover. it. So Got that is the only thing I do wanna let you know. If you're still quite quite comfortable to look at reducing life and TPD to six fifty, and that's your goal, then I can get those quotes for you. Yes. No. I think life Yep. is okay. Yep. Life is okay as a current 1,200,000. Okay. Just it's just the TPD that I'm Okay. I want to look at. Yeah? Okay. What I will have to do is I'll just have to check the structure of your policy. The reason I So say that is sometimes when and this certificate of currency won't tell me I have to go a little bit deeper. But, essentially, often, we see your life and TPD as a linked policy. So Right. what Okay. that means is that And it I links still have together. the same color. Yes. But what's then added to it is like so, typically, let's say, if you were to claim on TPD, for example, it'll cancel your life policy, but then within twelve months, life is reinstated. I need to triple check how your policy is set up if we can reduce because sometimes you can't have a higher amount of one of the others if it's linked, but I will find out for you. So, ideally, keep life as is, reduce PPD to six fifty, ideally, but I will triple check to make sure that's possible for you. Sure. Sure. So And then yes. you you mentioned something Mhmm. in there. Yes. Does it mean that you can only avail one of them? So it's either gonna be TPD. Obviously, if the situation is TPD, it's gonna be TPD, but then that rules out life for the next twelve months. If Is the that policy what it's is set up that way, yes. I need to table check you all, but sometimes for affordability, that is how a lot of policies are. So the risk is if okay. you were Okay. to claim TPD and then you were to pass away within twelve months, it could mean that you don't have a life insurance at all. Right. Okay. If you can, yeah, if you can please Mhmm. find that out and let Yes. me know. Yeah. Yeah. Yeah. Perfect. Now with your income protection, you said you're quite comfortable with it. Obviously, because your income has gone up quite a bit from when your policy was taken out, you are quite underinsured in IP. That doesn't mean that you have to have it. Some people are comfortable with it. So IP is temporarily. So if you are temporarily unable to go back Yes. to work and it is an income replacement on a monthly basis, You have Yes. at the moment 4,001 Yeah. 173. Typically speaking, you can have 70% of your income. It means, obviously, it's gonna get more expensive if you increase it and underwriting and stuff like that. You said you're still quite comfortable with 4,173? Yeah. I think that should be Yep. okay.","start_word":6418,"end_word":7042,"sentiment":"neutral","sentiment_score":-0.03053609788119793},{"text":"Great. Perfect.","start_word":7043,"end_word":7044,"sentiment":"positive","sentiment_score":0.4934845566749573},{"text":"You have a full week fair when it sorry. A full week waiting period and age 65 benefit. Still comfortable with that Yep. as Yeah. well? Yep. I think Half. I am. Yeah. Yeah. Yep. Because four weeks, it mean that you have to wait thirty days before you can start claiming on the income protection. And, typically, it's also paid thirty days in arrears. So that means Yep. about sixty days. Benefit period is how long you can be on claim for. So if something were to happen, Yep. the benefit is all the way up through the age of 65. Yep. Now, sorry, one thing I forgot to mention is when we do talking about the TPD is that if you get TPD under the age of 60, that lump sum can be taxed for up to 22%, including the 2% medical levy. So Mhmm. do you want me in the calculation to add, like, the seven Yes. the $6.50 and then add the tax to make sure that the net Yep. of everything you cover the mortgage? Yep. Yes, please. Yeah.","start_word":7045,"end_word":7228,"sentiment":"neutral","sentiment_score":0.07263026985785236},{"text":"Correct. Perfect.","start_word":7229,"end_word":7230,"sentiment":"positive","sentiment_score":0.40789249539375305},{"text":"But that would that would typically mean it would go to I'm just doing a high level calculation. It'll almost go Yep. to about about 800 k, maybe even more Yes. than that. Yeah. Exactly. So it will be higher. But then at least now, if you are over 60, it's tax free. But, obviously, for the time being, while you're under 60, it Yeah. will be potentially taxed. So I will include that Sure. for you. Now And this figure of one mhmm. 193,000,000.000 Mhmm. Yep. Yep. that is inclusive of the 22%. Right? So that's Correct. the top line. Right? Yeah. Correct. Okay. So that is what what your insurer would pay out, Yeah. and then tax would come out of that amount if you claim it while you're on the 60. So the tax would come out of that amount. Sure. Sure. Yep. Does One that other make quick sense? question. Yeah, absolutely, it does. Yeah. One Yeah. other quick question, TBD versus an interprotection, are these also both mutually exclusive or they are not? What do you mean by that? Sorry. So you could face a scenario where you are unable to work, Mhmm. which is TPD, but then you also end up losing your income. So you get income as well Yep. for There the durations. are this is there definitely. So, typically, what would happen is that doctors are quite reluctant sometimes in doing TPD because it means you are never going back to work. So, typically, what we see happening is that you would go in income protection first because it's a temporarily. If you can't go back temporarily, so you would go in income protection first, and then sometimes, you know, that continues to be paid out. And after that, if the doctor deemed that you still cannot go back to work and there are chances you'll never go back to work, then you typically see TPD. But most definitely, you can have if something severe happens and you could potentially claim on both, then, yes, we can do that for you. Right. Okay. Yep. Yep. Now while we are obviously talking about insurances, I do see here that you don't have trauma insurance. Obviously, you're comfortable not having trauma. Yep. Yep. Yep.","start_word":7231,"end_word":7611,"sentiment":"neutral","sentiment_score":-0.021613305126588177},{"text":"Great. Perfect.","start_word":7612,"end_word":7613,"sentiment":"positive","sentiment_score":0.5818039178848267},{"text":"Now the other documents that was in there for you that we sent last week for you to have a look at, Basically, what we have gone through is just for your review for you to look at. There are two documents that if you are obviously happy with everything that we will need you to sign at some point, and that is the ongoing service agreement. That is just to say that you are happy to stay on as a client. It is not a locking contract in any point in time. So if at any point in time, you are not happy and you go, you know what? I don't want to stay on anymore. There is no locking contract. And it's also just a PSN, which is a compliance document just to say that we are keeping your tax on number six zero one safe on file. So when you have a moment, Jayesh, have a look through the documents. Any questions, let me know. Otherwise, have a look through them.","start_word":7614,"end_word":7787,"sentiment":"neutral","sentiment_score":0.07744374126195908},{"text":"If you're happy with everything, we'll need you to sign those documents.","start_word":7788,"end_word":7799,"sentiment":"positive","sentiment_score":0.3835434019565582},{"text":"If you want to go through the SOA first, I can always include assignable documents along with it if you wanted to see that before you sign anything. So I'll I'll go through that. But has anything changed Yep. in terms of terms and conditions or the way structure or the fees or anything at all? Or No. it's just a continuation It's of it's yes. just a continuation. So it's just that 1.65% Yep. from your super and no change. It's not increasing or anything like that. The only way that it was potentially decreasing is that if your partner decided that she wanted to come on board, because we would look after both of you, it would be reduced. So it would be cheaper at 1.1 for both of you. That would be the only change. Otherwise, it's not increasing from 1.65. Yeah. Yep. Yep. I Yep. think she's been having some discussions with with Oakview. I don't know who the adviser is, but, yeah, she's she's, yeah, she's busy, so she's taking a bit of time. And her her her super super portfolio is also a little smaller. So, Yes. yeah, Yeah. she just she just figuring And that's whether perfectly it it makes sense. Yeah. yeah.","start_word":7800,"end_word":8009,"sentiment":"neutral","sentiment_score":0.02471727691590786},{"text":"And that's perfectly fine at the end of the day.","start_word":8010,"end_word":8019,"sentiment":"positive","sentiment_score":0.3794606029987335},{"text":"It is always just a free review. You know, there's Yep. no pressure or anything. So Yep. that was basically everything that I needed to run through Sure. with you. So I got you booked in on Tuesday, April 21 Yep. at 10AM. Do you wanna remind the tech sent, like, an hour or two before the appointment just in case? Yeah.","start_word":8020,"end_word":8081,"sentiment":"neutral","sentiment_score":0.15193794667720795},{"text":"That that'll be great.","start_word":8082,"end_word":8085,"sentiment":"positive","sentiment_score":0.40452420711517334},{"text":"Yes. I've anyways blocked my calendar for that, but, Yep. yeah, reminder text Right.","start_word":8086,"end_word":8099,"sentiment":"neutral","sentiment_score":0.09407208859920502},{"text":"would appreciate that. Great. Just Perfect.","start_word":8100,"end_word":8105,"sentiment":"positive","sentiment_score":0.4849621951580048},{"text":"one quick question I had. Yeah. I was going through the statements. So I just wanted to clarify the withdrawals Mm-mm. that Yes. are listed. These are Yes. the the rollovers that happen, etcetera. These are the payment for the insurances. Correct. Right? Is that correct? Okay. Correct. Yeah. So Exactly. all all the Yeah. withdrawals are payment for insurance. Right? Correct. Unless Okay. you take out some money if you do a compassionate Yeah. ground claim or something like that, which you haven't done. No. But No. no. Yeah. Yep. Otherwise, that would be those withdrawals. You obviously had the fees and and other stuff there as well. But, yeah, Yep. that would go through with the that was the the insurance for you. Okay. Okay. Yep.","start_word":8106,"end_word":8233,"sentiment":"neutral","sentiment_score":0.006562175170984119},{"text":"Perfect.","start_word":8234,"end_word":8234,"sentiment":"positive","sentiment_score":0.4962272644042969},{"text":"Hold on. Now do you have any other questions before I let you go this afternoon otherwise? No. I think that was a No?","start_word":8235,"end_word":8258,"sentiment":"neutral","sentiment_score":0.04407954216003418},{"text":"great chat. Thank you so much. Yes. I think it answered a few questions for me and we have Oh, some good. next steps.","start_word":8259,"end_word":8282,"sentiment":"positive","sentiment_score":0.47392088174819946},{"text":"So I Yeah.","start_word":8283,"end_word":8285,"sentiment":"neutral","sentiment_score":0.3078998327255249},{"text":"look forward to talk to you on twenty first. Perfect. Me too. Thank I hope you. you have the rest of your afternoon, and I look Yeah. forward to speaking with you on the '20 Yes.","start_word":8286,"end_word":8321,"sentiment":"positive","sentiment_score":0.4648283720016479},{"text":"first. You too.","start_word":8322,"end_word":8324,"sentiment":"neutral","sentiment_score":0.26078301668167114},{"text":"Thank you so much. Alright.","start_word":8325,"end_word":8329,"sentiment":"positive","sentiment_score":0.5934752821922302},{"text":"Bye.","start_word":8330,"end_word":8330,"sentiment":"neutral","sentiment_score":0.30431684851646423},{"text":"Thanks.","start_word":8331,"end_word":8331,"sentiment":"positive","sentiment_score":0.5467051863670349},{"text":"Bye.","start_word":8332,"end_word":8332,"sentiment":"neutral","sentiment_score":0.31805115938186646}],"average":{"sentiment":"neutral","sentiment_score":0.05022856013875612}}}}