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Are you able to look at that as we're going through it at all? If not, that's okay. I can go through it for you. Yep. Okay. No. That's absolutely fine. Well, what I'll do is I'll run through the advice. I'll let you know as to what we're recommending, how, and why. I'll limit it to the things I have to touch on, and then you're able to go back and have a good read of the document. And if you find you do have any questions that come from that, you're welcome to let me know there. Is that okay? Beautiful. Excellent. So on the front, when you do see that document and I've emailed it through, so it is in your email box then. I do apologize if you had to reschedule the last appointment. How with the way the quotes were that were coming through, The way we needed these quotes to be done, they had a lot of trouble with their system doing what I wanted them to. So, essentially, it meant it took it took a bit longer, but thank you for your patience on that one. I still wanted to get this out to you nice and quickly as well to make sure that we could have it all implemented and update for you. Okay? Before I go through this, I do need to let you know moving forward, we do record these calls for quality and training purposes. Are you happy for me to continue with that? Fantastic. And I do have to do a quick security check there for you just to confirm your full name, your date of birth, and address that you have on file. Yep. Yep. Beautiful. Thank you so much for that. On the front of the document, when you do see it, it has been prepared for yourself. It has yesterday's date there, and the advice and balance are sixty days from the date on the document there. It also has my license number on the bottom. So I'm a licensed authorized representative. I registered with Aspic and an adviser of financial, and my license number is 1304394. Okay. All as you are going through the adviser, it has all the individual strategies outlayed there for you, and we also have noted the best interest duty, which relates back to your goals and how and why we are making the recommendations. I'll let you read through that a bit later on, and if you have any questions, you're welcome to let me know. With regards to the advice fees, the areas that we are focusing in or looking at advice for superannuation, so your goal is to hopefully retire around about age 60 on about $1,500 per week. You were open to salary sacrificing. We were looking at starting at about $50 per week, starting small, and then building on that down the track. Is that still fairly comfortable, still is that accurate? Yep. Beautiful. We also have the insurance side of things there. So you do have your life saving income protection currently paid out of ASDA. We're looking at a way to increase whatever we can to cover your debt for the million dollars once you get the house all transferred over and billed. Essentially, looking at trying to increase the insurance cover, we went back and did some really good research there. If I do have a recommendation, I will let you know upfront I was not able to increase the TDD or of the IP. So because of your spondylating ancolitis, I'm able to increase the life amount for you to the million dollars, which means that if you pass away, that is fully paid out. However, with the TBD, they would not increase disability cover in any way, shape, or form. So I have recommended to retain your TBD and your income protection exactly as it is. Because if we were to look at altering or decrease your income protection, we can't bring it back up to the level that it is. They just no one would give any disability cover for that. So I felt it was best to retain what you had with those covers. Your life insurance was extremely low, a lot lower than your TBD, and we're able to increase that to the million dollar mark there for you. Okay? Excellent. We also looked at trauma. I have found an option for trauma cover based on what we know, and I'll go through that with you in a second as well. And then I've also got the estate planning side in there as well. So just making sure your beneficiaries are applied to the account, making sure that we can help you to fill those out, nominate that to your partner. So if anything happens, you wanna make sure the money is paid to him so he can pay the mortgage off. And then also doing wills and powers attorneys things like that. We do refer you to a solicitor for drawing up of a will and the power of attorney documentation, and that should definitely be done in unison with your partner as well because you do have this property that you will get handed over, hopefully, by the end of the year. So you will certainly have a lot more assets to protect in the event of one or one or both of you passing away down the track. Okay. Excellent. Excellent. So I'll start by going through the insurance recommendation there for you just to kinda give you a guide on what I've recommended, and then I'll kinda go back to the super side of things for you because the insurance is really is a base that we wanna kinda start. As I kinda mentioned, you've got your life, your TDD, and your income protection there at the moment. At the moment, your current coverage of life cover you've got is something short of 212,839. We're able to look at increasing that to a million dollars. That then pays out the mortgage if anything happens and allows your super to be paid out on top of that. The one thing I do have to let you know is because and this is the same as the last advice paid providers. Because of the ankylosing thondylitis, it is a much high risk condition. So insurers do see that as very high risk with what can essentially come out of it. You know, they're essentially assessing it as being progressive and symptomatic, and it carries a high probability of long term functional impairment and hidden systematic complications. So they assess that risk level when they are assessing that, and it does essentially mean that we can increase the cover, but it does come with a loading. They've assessed it either one to 200% loading, and that will be assessed fully at the time of underwriting. I don't like that, and I'm very sorry for that. It does make the policy a bit more expensive to hold, But I do like a loading over exclusion. So, essentially, when there are preexisting conditions, they tend to either add a loading, which makes the policy more expensive, but still allows you to to claim on the policy for any, you know, death or illness as a result of the previous condition. So if there's something and I'm gonna be really honest. I'm not a doctor, so I don't know a great deal about analyzing fundalized and how that can be progressive. It's just what I've gone through with doing the research for you. But, essentially, if if you were to pass away as a result of, you know, any kind of progression with regards to anxalizing spondylitis, it does mean that they will still pay out the life cover. Whereas if they have to put an exclusion onto that, which is what they tend to do with cancer, they tend to put, like, a cancer exclusion, which means that the person passes away as a result of cancer or as a result of something that, you know, progressed from cancer, they don't pay out the life benefit. So generally speaking, a loading over exclusion is more preferable, and I do expect a loading on this policy. It does mean that with the life policy, once we complete the increase, the policy goes from being $60.47. It does go to being $4,074 for the year. So it is a much higher cost, albeit deducted out of super funds. So I just wanted to be open and disclose that to you so you're full aware. Okay? Probably not because you just said that. And I have a duty of care. I'm sorry, Steven. Anything I currently know about isn't a good thing. Oh, no. That's okay. Don't you worry. You can swear and you can say anything you need. It's not a problem at all. Yeah. It is a big jump, and it's because the like, obviously, there's the increase in the policy with increasing it from $200,000 as it come in short to a million, but then there's also that, you know, one to 200% loading. And I've included a 200% loading in that increased amount, so I'm over disclosing. That way, if the insurer comes back and goes, hey. You've had it a bit longer. Things are really well under control. We might reduce that loading to 100%. It means that the policy could be a bit cheaper for you as well. Okay? Beautiful. Nice. Yeah. Yeah. Definitely. So we we did a research, and we disclosed everything to you, but we know that this will all come down to what happens at underwriting and how the underwriters accept the application. And, ultimately, they will when they offer the cover, will tell us what they're gonna offer and whether there's any changes to what they've told us. So we pre assess everything with them, and this is based on what they've told us that they're likely to assess it as. But it all comes down to what happens when they request doctor's report and what comes out in that. And depending on what else is there, so you've also sort of noted there are other kidney going from the polyps. They are gonna request doctor's reports for those sorts of things and check that there's no ongoing issues. If they find anything, there could be additional loadings or exclusions applied. There could be a decline. It's just all based on it will come down to what's in the doctor's report. So as long as, you know, there's been no major issues, you don't you you haven't had to, you know, have any test of all the sick kidney disease or the ongoing problems from the kidney stones and things like that, then hopefully, that will assess pretty well. But there's always an unknown aspect to what we do because we just don't see the doctor's reports. We're not allowed to request that information, and the underwriters will assess and look at that. So I tried to over disclose so you can expect this is what we're expecting. But we hope for a much better result for you, and we will work very closely with the underwriters and keep track of what's happening so we can kinda see what what comes out of it. There is always with every insurance application, there's always a risk of a decline. If the doctor's report have something that hasn't been noted or the doctor's written, you know, something saying something is worse than it was or there's been other symptoms or anything that's not disclosed, then there could be there's always a risk of a decline with the policy as well. So this is what we've been told we can expect, and this is still a good result. It still gives you that level of cover you're after with life. With the TBD, you're actually covered for a benefit of $849,007.64. And this sum insured for your TPD increases in little increments every year along with PCI or indexation. So, eventually, that will just get to the million dollar mark, and those increases don't incur any underwriting. So there's no current exclusions on your TBD policy, and that benefit will just keep increasing as it goes through renewal along with CPI, and that will eventually get to the million dollar mark without any additional underwriting there. But they weren't able to offer any new disability cover there. So this allows you to keep increasing your TBD in smaller increments and eventually get to your goal, albeit we know at the moment we're not quite there. It's still only 849,000, and I'm just owning that for you as well. Okay? With the income protection. So we had a bit of a look. Based on 70% of your income, you are slightly over insured there. However, if I was to go back and decrease or alter that income protection policy, if you get an increase in income and then we need to reincrease the policy, I wouldn't be able to do so because all the insurers came back saying they wouldn't offer disability cover full stuff. It was a full decline. So I felt it was best to keep your income protection policy as it is. It allows the increases in your income, and it means that you can claim a higher benefit if you need to. All b will keep you know, looking at it. If it becomes overly expensive, it's only a small amount over insured by, so it's not a huge difference. But if it became too much at any point, we absolutely would look to decrease it. But for now, I'm not making any changes to the the amount you're insured for because instead, we can't increase it back if we need to, and that is a bigger risk over being over insured by a couple of $100 per month, essentially. Does that make sense? Yep. Beautiful. The total yearly premium, this is probably gonna make you swear again. I'm very sorry. When we when we be when we increase your life and add it to the TBD and the income protection because it's all kinda paid out of super there, essentially, you do have a a flexi link policy. Some of it is paid out of pocket, and that will just stay exactly as it is, which is absolutely fine. But, essentially, the total that you have for the pay this year for your policy total is about $4,817.33. When we look to increase the policy, the total that is expected to be paid based on the reset is $7,679. It's increasing your total insurance payment out of your super by about $2,862. So it is an increased cost. It is also increasing that level of cover for life. And when I weigh up the options, it is still best to do so because if you pass away, once you get that half handed over and that million dollar mortgage, this life cover would pay that out. What I really kinda wanna reiterate is that what I wanna do moving forward, because I know this has an effect on your super and your overall retirement asset, is as your mortgage decreases, as your super balance increases, we look to reduce that that life cover down. That way we can reduce it back, keep the cost, you know, reducing over time, keep more inside your super, and just keep altering it as we need to, whether it be every year, every six months. It doesn't really matter. But as you pay down the mortgage, as your super balance increases, as things are working really well, we just decrease that life cover back so that it's covering the mortgage or what you need to cover, but that way, you know, readjusting the cost of it to keep you super working as hard as possible as well. Does that make sense? Yes. And go for it. Say whatever you need to. If you wanna swear, you're fine. You just fine. I understand it. Mhmm. Well, not not too not too bad at all because, realistically, it's still putting you in front. So the other thing is we're going to once you've we have to basically do it to be increase your life insurance first. That way, you've got your million dollar cover. And then we can still remember last time we talked about transferring that policy over? So it transferred from Asgard into Hub twenty four and paid out of your Hub twenty four account. That allows us to consolidate the two. Do you remember going through that? Yes. Beautiful. So we're still gonna be able to do that, which means that we'll the way it has to work is we increase the life first, then we do the transfer, and then we can look to consolidate your super fund. Essentially, once we consolidate everything, you'll actually save about $398 in administration fees because you'll go from having two funds to one. I'm also readjusting the portfolio for you, and it's actually gonna save you about $262. And then I also had a bit of a look at the way you invested with your portfolio. We kinda talked a bit before last time about being in that growth environment there. When I kind of went back and looked at how you were invested, between your funds, you're actually in more of that high growth environment. So 90% in those growth assets, so Australian, national shares, property, and commodities, and then also 10% low risk defensive investment. I'm also recommending that we stay high growth, that we don't go lower risk, that we stay high growth because as much as you're taking more risk by being in that high growth environment, one of the things we talked about was how you would feel in a market shift, how you would would you put more money in, take advantage of that downtime. And because you are still so young, you've got a lot of time before you can access super, we can take a bit more risk in the market. We can this allows us to take advantage of potential greater returns, so the market is doing really well. And I think being in that high growth environment, given your age or stage, we kind of need that to try and get those greater potential returns to try and make sure that we're mitigating some of the increase in the insurance policy as well. Does that make sense? Yeah. Perfect. Do you agree with that? If you don't, that's okay. Yep. Yeah. You're younger than me. Yeah. You're younger than me. Yeah. No. I'm good. You are younger than me. I look at everyone's birthday and I guess, yeah, you're younger than me, so it's okay. No. Look. I I have no problems with my age. I've worked very hard, and I actually kind of enjoy my forties. It's kind of like my time. But I'm actually 42 this year, so I'm actually older than you. Hopefully, that makes you feel good. But, like, I have very similar time horizon to what you have. So, realistically, six is the earliest we can access super, and taking on a bit more risk now to get those greater potential returns is really good, especially when we know it's gonna be a higher insurance cost, taking advantage of those higher returns to try and mitigate some of that insurance costs, and also lowering the cost of your portfolio, saving on admin fees, saving on investment fees. Just by saving on the admin fees and the investment fees alone, so 398 for admin fees by consolidating and $2.62 in admin fees. You're saving about $660 for the year, and that compounded board over the next five to ten years can have a pretty greater effect on your super there. Yep. All good. I'm also recommending that we do start salary sacrificing that $50 per week. We'll start with that. If we find that the mortgage isn't decreasing, that we need to keep the insurance level a bit higher for a bit longer, we can always look to increase salary sacrifice as well, increase what we're putting into the super fund to try and help mitigate off some of that insurance premium for you as well. Okay? By doing that $50 per week will help to provide a greater benefit. And, essentially, when I sort of looked at the way the portfolios were working, Ben along had a huge part in, you know, reducing a lot of the portfolio and how that was performing for you for this year. But when we kind of average out the BT fund and the HUB twenty four fund, it's only really been getting about a 4% return, which is dismal and terrible. When we look at the newer portfolio that I wanna put you in, and you'll be able to see that when you see the document there, It's averaged about a 14.26% when we look at a three year rolling average. So this high growth environment has so are you at what? Your it's 14.26 over the past three years is averaged. Yeah. So it's I I a 100% agree with you. I'll be honest, and I'm very honest with everything. I do not think you're gonna get 48% every year. However, this sort of portfolio does have a greater potential return to achieve close to that or, you know, even in the high growth environment, even if you're able to obtain, you know, eight to 10 or 10 to 12% return compounding that forward over the next sort of three to five, even ten years, that puts your super in a much greater position. And then saving on fees and having one fund rather than two, that also provides a greater benefit long term for you as well. Okay. Beautiful. This superfund. This I'll try to keep fairly brief because you'll be able to have a look at this on page 22. But, essentially, within your fund, we are removing the ban along Australian equities completely that was providing a a really dismal return. They haven't formed, and we're removing that out ASAP. We are also selling off oh, yes. Yeah. No. We kind of have to until we change the the portfolio. So what happens is we as per your last statement of advice, that is essentially what we have to buy into. It's what recommended on your on your super fund. Until we make these changes in there and you agree to this, we we continue to do that unless you sign a document that says we we stop doing it. The good news is it wasn't a huge buy in. It was been a long thing down. Hopefully, you take a bit of an advantage of that. So but no. It's all good. So we're gonna sell off Benelon. I am removing the battery unless the insect has been a bit volatile this year, and I'm looking to alter and reduce the risk level of well, not the overall risk level, but kind of reduce the cost as well as the, you know, the volatility within your portfolio. ACDC and battery and lithium tech have had ups and downs. It is very volatile, and this year has not seen great returns. So we wanna remove that for you completely. Global agriculture is not a bad investment but hasn't been doing very well. So we wanna kinda remove that from your portfolio. We'll sell all of that off. You only have 1.80% in your portfolio. Very small amount to hold. So we're just gonna remove that from your portfolio there as well. You also have the beta share cybersecurity, and this is giving you exposure to global cybersecurity. So it is really good for risk mitigation because you're, you know, going over the entire globe. You're spreading your risk level globally with that cybersecurity side of things and moving forward with everything that everyone's going through. Cybersecurity is a huge area to kind of build on. So you've got about 5.5% there now. We wanna hold 7% in this portfolio, so it's buying into a bit of that for you. We've also got the Asia and European exposure. We do still wanna keep those kind of exposures, but these are more somatic ETFs. They have done really well, but we've got essentially a better way to kind of hold those sorts of investments and a cheaper way to hold those investments while still giving you exposure to them. So we're gonna sell those two ETFs down to zero and remove them completely. You've got the S and P 500 in there at the moment. You've got about 21.90%. You wanna keep the S and P 500. It has been performing well, has seen volatility, but we wanna keep that as we see quite a good amount of growth in international equities. So we're gonna increase that to 25%. Other areas that we're going to keep are global cyber sorry. Global health care. Health care is still a really good area to hold, and, again, it's global. So spreading your risk level across the globe. Even being in a high growth environment, you still wanna mitigate what what risk you can. You want good return, mitigate as much possible risk as possible. We can never reduce it completely, but we can utilize what schools we have to mitigate as much as humanly possible. You have about two percent in global health care. You're a bit underweighted at the moment, so we're gonna bring that up to 7%. You've got the diversified Vanguard index. This is kind of a mix of growth and defensive index. Hasn't growth and defensive investments hasn't really performed the way we wanted it to this year, so we're gonna remove that from your portfolio. We are gonna see some exposure increase into India. We don't have any at the moment. It has seen some good growth, so we're gonna keep that. We wanna have about 7% in there, so we're gonna buy some India exposure. You have the beta shares Rafi two hundred. This is giving you exposure into Australian equity. We've found a cheaper way to hold Australian equities and give you the exposure needed. So we're gonna sell off the Raffi as well as the Benelon and move the exposure into the beta shares a 200. Holding the a 200 means you hold one investment giving you exposure in the top 200 companies on the ASX, holding around about 10% of that investment there. And oh, actually, sorry. My bad. We're actually buying some more of the Rafi. My apologies. We don't have the Rafi. We're buying into the Rafi. We wanna hold 15% of the Rafi and 10 of Australians a 200 so that you do have about 35 sorry, 25% in Australian equities. We were getting rid of the Rafi out of this portfolio, but it looks like we're gonna keep it in there, which is good. Essentially, Australian equities, we do wanna hold some of, but we don't tend to hold as much as global international equities because it tends to we tend to follow suit. Our country is very much the little brother of The US and some of the bigger countries out there, and we tend to follow suit exactly. So we hold just as much, not quite as much as the international side of things, but having access to Australian equity still sees good returns. The BetaShares a two hundred is actually one of those best that pays out dividends, which is really cool. Those dividends are some of the highest for Australian equities, and they're paid into your cash account, which is used for compounding effect. So I wanted to make sure we created that for you. Okay? You've also got the JPMorgan Global Research Enhanced Equity Fund. This is a new inclusion in your portfolio. I really do actually like this investment. With this one so we talked about last time about replacing Van Along. It wasn't performing very well. You wanted to, like, look at the lower cost side of your portfolio to kind of reduce cost where possible, but also wanted a little bit of active management in there to take advantage of that where where we could. And this investment essentially does that. The JPMorgan Global Research Enhanced Equity Fund gives you exposure globally to help with diversification. It is a small component active, so that 10 to 15% actively managed by dating more than three search teams. It gives you exposure to the whole globe, essentially, and any areas that they see additional growth in. It has done really well. I do like this investment, and we're holding about 15% of this one in your portfolio. So it's essentially a low cost fund, giving you some active management in there and has performed really well, but it's also helping to reduce the overall cost of your portfolio, which I do like as well. Okay. The last two are physical gold and the core composite bonds. We all love a little bit of gold. I definitely do. We're adding gold into your portfolio. The physical gold will hold about 7%. And then core composite funds, these are defensive low risk investments, essentially, with core composite funds. It's giving you exposure to government and corporate bonds, really good for income producing. And it also has some international certification into bank notes and other fixed interest areas, which is kind of really cool as well. So that essentially makes a good portfolio. I'm really sorry. It's kind of it's not easy when you're not looking at the investments, and I try to sort of take it as easy as possible. But if you have any and I try to sort of take it as easy as possible. But do you have any questions in relation to any of that? Oh, perfect. It's on page twenty two and twenty three. Yeah. Yep. Page twenty two and twenty three. Yeah. No. You're fine. Oh, yeah. That's the PDF. Yeah. That's the product disclosure statement. So I have to give that to you. If you like reading and you wanna run your eyes over that one, absolutely happy to do so, But not everyone's that interested in PDF. That's a lot of pages. It's it's either the the the best because there's three product disclosure statements. They've got the main one, and then they've got the investment one as well. And I think the 491 pages goes to all the individual investments you can hold on the platform. Twenty two and '23. Yeah. Sorry, Steven. Beautiful. So, essentially, the one that we kind of, say, focus on the most is the buy sell column. That's essentially showing you what we'll pay what we'll sell as the investment in red and what we're gonna buy into in green. It does go over onto the next page there, essentially. And the last two columns show at the end of the switch where, essentially, you should see your target weighting within your portfolio and how much you should hold within those investments there for you. Okay. Yep. Perfect. So there are a few changes to make within the portfolio, which is good. But, yeah, just wanted to kinda go through that. The other thing I do point out is that with whenever you make changes in your investment portfolio, so buy and sell investment, As I said, as we mentioned last time, your super fund, just like you, does a tax return every year. They pay income tax and capital gains tax. So being able to make these changes for you, I did look at the tax consequences. Your super fund is expected to pay $77 in CGT to to be able to switch your investments for you. Yeah. So I was able to lower the tax as much as possible. Yeah. Yeah. Thank you. No. I I just wanted to make sure that we we could do what we could and try to get as much growth out of the portfolio as possible, try to mitigate, you know, the increase in in insurance recommendations, try to consolidate everything for you and have it all in one place. But I definitely wanna make sure we do catch up and review these investments because investments do go up and down, and I'm very aware you know, I like to make sure everyone's aware. Projections are just projections. So we do know markets go up. We do know markets go down. Whether you're in a growth or high growth portfolio, you still see market risk. You still expect a negative return one every five years. We just wanna take advantage of the up while we do get there. So I do wanna make sure that we maybe touch base once every six months to see how things are traveling, to look at the returns. And if there needs to be changes made, we do that. If we can increase contributions, we talk about doing that. If the insurances need to be altered, we do that for you. That way, things are being checked on more regularly, and that way, we can make changes as we need to so that I can make sure things are working as hard as possible. You have a lot of time ahead of you, but I wanna make sure that compounding is working, and I don't want your super to go backwards in any way, shape, or form. So that's kind of where I was at with making these recommendations, and I definitely wanna sure that we catch up on every six months if you're comfortable to do so. Yeah. Wow. Well so we'll see what we can do about that. Yeah. No. We definitely absolutely. Yeah. Of course. Definitely. So, no, I definitely wanna make sure that this, you know, goes into bite for you. Sorry. That's no good. No. Well, the the good thing I wanna I wanna get this balance moving harder. One of the the difficult things is once you kinda get your balance up to that sort of $2.02 5,300,000 a month, that's when you really get the compounding effect. So if we can get contributions increasing, get the growth, you know, compounding a little bit harder, get your balance up over the next couple of years, then we can kind of go from there and really see the effect long term. So yeah. So we can do to help you out here and make changes as we need to because, I mean, these investments have worked really well now. But, you know, next one, two, three, five, or ten years, they may not be doing the same thing. We may need to alter them again. And, realistically, investment portfolios do need to be updated not, like, every year, but pretty regularly because investments do become obsolete, not work properly. They have issues or, you know, need to be switched out for other areas. Always the other areas of growth and decide to take on those sorts of advantage areas there. So we'll just keep reviewing it, keep touching base, seeing how things are tracking, and, you know, consolidating will be a definitely a big help there, and then try to get those insurances sorted for you so that you've got that higher level of cover, and everything can be put into one place there for you as well. Okay. Fantastic. The only other thing in there to kinda go through with the recommendations is, obviously, beneficiary nominations. I'll make sure that they are sent out email and posted so they can be filled out and nominated and added to the life policy and also your hub twenty four super account. And then we have also made a recommendation that you guys should speak to a solicitor and talk about doing up a will and power of attorney documents to make sure that everything that you've worked hard for outside of super and life insurance is also protected and looked after for you. Okay? The other thing I wanted to show you was the trauma recommendation. So we also talked about we've got the life changing income protection all kinda covered, but the other thing that you wanted to look at was trauma. The trauma is an out of pocket cover. You wanted to look at about two years worth of trauma cover. Does that still sound about right? Yep. That's okay. If you go down to page 36, this is the trauma recommendation there for you. Sorry. 36. Yep. Beautiful. So I had a look around. I have not recommended trauma with power because power weren't offering the product. But in Compass, based on the free assessment, Encompass is another insurer, really great insurer. They actually take on a little bit more risk, which is great. They have come back saying they are likely to offer trauma covers to you, offering the benefit amount of 154,000, so two years worth of income. And, essentially, they would have a 50% loading attached to it because of what was disclosed. It essentially means the monthly premium expected is about a $177.80. So this part of the recommendation all comes down to what your expenditure looks like and whether you're able to afford this. If you decide not to take the trauma now, that's okay. We can come back and review that at a later time. But this essentially would be costing about a $177.80 per month. So that over the course of the year is about $2,133 for the trauma. Think about that. Yeah. Yeah. I figured that would be the case, and that is okay. So the important thing to remember is these are recommendations. If there is any part of the recommendations you decide you do not wish to take on board, that's okay. On the very last page of the document, we actually have a box that says multiline in there. In that box, if you decide you don't wanna take on the trauma right now, you just write in there, don't want trauma or, you know, don't wanna accept this recommendation or wanna do this, and we will just that come back to us, and we will help, you know, abide by that. We'll just not implement the trauma recommendation, or we can make changes for you. So that box is put there. So if there's any part of the advice you wanna alter, change, or not take on board, you can just make a little note in that box. It comes back to us, and we make sure to alter the implementation by not implementing a certain section or helping you to vary that in any way, shape, form. Does that make sense? It'll be on page number 54. Yes. It's a blank box. Yeah. Sometimes it has multiline written on it. Sometimes it doesn't. No. That's all good. That's all good. No. You are absolutely fine, honestly. That is essentially the entire recommendations. I would love it if you would take some time just to read through the document. Let me know if you do happen to have any questions that come from that. The I've taken you through the pages and the areas that are applicable. But as you kind of run through it from start to finish, it has all the recommendations outlined for you, the advantages, the disadvantages, the risks involved, and also any alternatives that I have considered as well for you. So feel free to run your eyes over that. Have a bit of a read. If you have any questions, you're more than welcome to let me know. And then get and then if there's any part of the recommendations you choose not to opt in to or not to take on board, just make a little note on that last page there. And if you're happy with everything, we'll get you to sign and return the documents back. After you've made that little note in that big box there for any changes, you can also sign and return it back, and we can just start implementing it. My team will try to help you get that sorted as quickly as possible, and we definitely wanna make those changes to your super ASAP as well. Get rid of that along, get rid of some of those investments, and get your super working a bit harder for you. Okay. Yeah. Yep. Yep. Mhmm. Mhmm. Income protection. Yeah. So that's your monthly benefit. That's how much you're covered for with your income protection policy. Yep. No. That's okay. So the table's actually half on one page and half on the other. So if you go down to the next page, you've got the other half of that table. Sorry. Page twenty nine and thirty. Yes. Yep. So your monthly benefit or how much you're insured for? Sorry. You're right. Mhmm. Yes. How much you pay for each policy? Well, the out of pocket yeah. The out of pocket policy, that won't change in any way, shape, or form because that's just the income protection policy unless you take the trauma on, and that'll sort of increase that. So if we kind of look at that for you, so the $177.80 for that And with your income protection policy, in the front of the document on pages eleven and twelve that outlines your current policy that you do have there, and that essentially shows that you pay $42.49 per month for your income protection outside of. So if we add that to the possible trauma cover, because this is what's gonna tell you how much you need to pay per month, it means out of pocket is 2,002 hun sorry. $220.29 per month. By twelve months, it's $2,643.48. So there's a lot of money out of pocket, whereas at the moment, the $42.49 is about $500 for your income protection it more just comes down to when looking at the out of pocket cost. The income protection is absolutely important to keep out of pocket. That, you know, provides you with greater benefit. If you can't work, it gives you a monthly benefit to look after you and help cover your bills and things. Things. Whereas trauma is only paid out if you have a traumatic diagnosis, things like cancer, heart attack, stroke. It means that you can claim on income protection. Unfortunately, no. Doesn't I'm sorry. I know. I'm very sorry. It doesn't kinda come under there. It does, however, if you are not able to work, you do the ankleizing for the lighters. Income protection covers that for you, if that helps. I'm sorry. I know. I felt bad. I was like, no. I'm sorry, Steven. Yes. Absolutely. Yeah. No. Completely understandable. Yeah. Feel free to let me know if you do happen to have any questions there. I understand exactly where you're at, especially with, you know, building a house, and the cost of living is horrendously high. So I just wanted to show you the trauma recommendation, show you the other recommendations there, and then, yeah, it's up to you to decide what you're comfortable taking on board. This is valid for sixty days, and my team will touch base every so often to sort of see how you're going and if you have any questions there. So, I mean, the income protection is absolutely the most important thing because you are paying for that. We can't get that back, and that out of pocket policy, the income protection protects you if anything happens. So, you know, having part inside safe and some outside safe. But the other side of the income protection, the part you pay outside of safe is also a tax deduction for you, whereas the how sorry. The trauma policy, that doesn't give you any kind of tax benefit there. So that's kind of the major benefit of having income protection paid out of pocket and why I would definitely wanna keep that rather than the trauma side of it. But it also comes down to what you're comfortable with and what you guys can afford and and what your expenditure looks like there. So I'm happy to support any decision you have. And any questions at all, you're welcome to let me know. Okay. Sure. Yeah. Absolutely. For the insurances? Yeah. Yes. 7,680 dollars. It's on page 20 if you wanna have a look there to make it a bit easier for you. It's in a couple of places, but the the fee comparison table is good because it kinda outlays the cost there to make it easier for you. You can sort of see that. 20. Yeah. 50 per week. Yes. Not really. No. No. So we we could talk about increasing the salary sacrifice. I think the main reason we sort of looked at 50 to start with was to look at your comfort level because we're also looking at trauma and out of pocket expenses. So we could always start with this for the first sort of six months, look at how that's going, if you're comfortable with the change in expenditure, because salary sacrifice also reduced your your take home pay. Not as much. It's only a little bit. But then we can always increase it in increments if you're comfortable doing so. I tend to take that approach with most of my clients because if we start with a bigger lump sum, it's great because you get a bigger tax effect and more money goes into the super, but you can't then pull it back out if you find you need the money. So it is best to start smaller, get comfortable, and then we increase that in increments as as you're comfortable doing so as you find your expenditure isn't as affected. Does that make sense? Yeah. Yeah. Did you wanna say it out loud? I can help you. Sorry. Is it how much is going in? Yep. It's 2,600 per year. Yep. It's about $200 per month if on a four week month. Yeah. Yeah. Yeah. Yeah. The weeks that have a little fewer after days. Yeah. Absolutely. No. I under Yep. Okay. No. That's okay. And, look, you've probably had a long week as well, and I'm doing this. It's probably dinner time for you, so I'm so sorry. It's probably a lot. It's okay. Okay. I'm so sorry. I'm so sorry. Yeah. Yeah. Absolutely. No. I'm so, so sorry to hear that. It's a it's a big thing to go through, and you're going through a lot. So I absolutely understand. So take some time, read it through. If you need to put it off for a little while, that's okay. Please take your time. Let me know if there's anything you need. In my world, there is no such thing as a silly question. If it's something that you wanna know, you pop it down, and I will happily answer it for you. Okay? Beautiful. Yes. It's a lot. Yes. No. No. Yeah. No. I I absolutely understand. That is not a problem at all. Just to let you know, I am taking a little bit of leave after next week, so I will be away from the September 11 until the twenty eighth. So if you do need anything in that point in time, my team will book you in around that. But, yeah, just take some time. If you need anything next week, let me know. I'll happily take time to answer questions and help you out. And then, yeah, I'll be back after the twenty eighth, then I'll, yeah, be there to, you know, ask answer any additional questions you have. I will send you an email as well. That way, you've got my email there because periodically through my holidays, I do check my emails. Otherwise, they bank up. So if there is something that you need, you're welcome to email me. And as I check my emails periodically through my leave, I can answer the questions for you as well. Okay. Yeah. No. Honestly, I I you're right. Yeah. That's okay. Yep. Think about Yep. Absolutely. Yeah. Absolutely. I still do like the is it just the trauma that you're sort of thinking is concerning you the cost of the trauma, or is there anything else insurance wise that's really kind of gnawing at you a little bit? Mhmm. Yep. Yeah. Yeah. Yeah. Yeah. Yeah. Yes. Correct. Yeah. Yeah. The insurance premiums are very much yeah. The insurance premiums are very much a lot, and it is eating a lot of new contributions, so that does have an effect on it. The main thing with the transfer so the in order to transfer the policy, and this is kind of what we went through last time, in order to transfer the policy from Asgard to hub twenty four, they actually have to transfer the life and pay period either at the same level of cover or have a higher life policy. So we either have to bring the life policy up to where your TPD is, and I could always get a quote sent through to you to show you if we just increase the life to the level of TBD, what that might look like in case you're comfortable with just maybe increasing to that level. That way, we can still transfer the policy and consolidate your funds to make everything work a bit better, or we have to bring the TBD down. And that was definitely something we talked about in the past that you were not comfortable with reducing the TBD back in any way. So especially with this mortgage now hanging over your head. So we do have to kinda do something with the life to bring it up to at least the level of if it is transferred. But in saying that, what we could always do is when we go through underwriting, we can always go through the underwriting. They never put the policy in full until they come back with terms. So we could always go through the underwriting process, have it underwritten with everything that's being recommended, and then when they come back with the terms and they've completed it and they come back and tell us what they're gonna offer as the final offer, then you always get the option to say, hey. No. I don't want that level. Let's reduce it. Or, no. I've decided not to take the trauma cover. Thanks, but no. Thanks. So you don't have to even when you get to that point, you don't have to accept the cover. You can alter it, but it means they underwrite the policy anyway. We make them do the work regardless of whether you're gonna take that policy or not. So it's just another kind of option for you there. I'm happy to go with whatever you decide. Yeah. Yep. Yep. And then if we're touching base every six months. Yep. Yeah. Perfect. Perfect. And then every six months, we can review what's happening and look at what's happening with your expenses and maybe increase contributions incrementally along with your comfort level. If you've got a nice chunk of savings end of financial year, we can also look at making a nice big deductible contribution into super, take advantage of putting more money in, and maybe give you a bit of a tax deduction there as well. So there's definitely other things that we can do. I just wanted to start with your comfort level, show you what this looks like, and be as honest and open as possible with you. Let you see it, read it, take take it all in, and then we kinda build on there for you. So there's lots of other things that we can do, lots of other places that we can start. I just didn't wanna overwhelm you by going too far into it. I felt like this was probably overwhelming enough. So then we kinda build on that from there if that makes sense. Yeah. There is, and I'm so so sorry. The better. Yeah. Absolutely. Absolutely. Absolutely. No. I completely understand. So no. Look. Thank you so much. I will let you go so you can go and have dinner, take some time, and read it over. I'll send you an email shortly so you've got my email there as well. And then any questions you have, just let me know, and we can kinda go from there for you. Okay? Beautiful. Thank you. Yep. Yep. Yep. Mhmm. Mhmm. Yep. Yeah. Yeah. Absolutely. Absolutely. Yeah. No. I I definitely agree. Yep. Absolutely. That's exactly right. I like it. Yes. Yep. Yes. Yep. Yep. That's okay. Yeah. Perfect. Not a problem at all. I like it. Thank you so much for your time this afternoon. I hope you have a good weekend. No. My pleasure. Thank you for letting me put this together. I actually really enjoyed it, so it's been really fun. Yes. I look forward to helping you reach your goals and move forward and build on this and, yeah, get you super working harder. That's the most important thing. You work too hard to not enjoy your retirement. So it's a bit of a pet love of mine to make sure everyone gets their retirement and enjoys their retirement years. So we will get there. My pleasure. No worries. Thanks, Steven. You have a good night. I'll talk to you soon. Thanks. See you later. 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Steven. It's saying it again. All good. It's now okay. I'm so sorry.\n\nAm I interrupting something? That's okay. All good. I have your email your statement of advice to you. Are you able to look at that as we're going through it at all?\n\nIf not, that's okay. I can go through it for you. Yep. Okay. No.\n\nThat's absolutely fine. Well, what I'll do is I'll run through the advice. I'll let you know as to what we're recommending, how, and why. I'll limit it to the things I have to touch on, and then you're able to go back and have a good read of the document. And if you find you do have any questions that come from that, you're welcome to let me know there.\n\nIs that okay? Beautiful. Excellent. So on the front, when you do see that document and I've emailed it through, so it is in your email box then. I do apologize if you had to reschedule the last appointment.\n\nHow with the way the quotes were that were coming through, The way we needed these quotes to be done, they had a lot of trouble with their system doing what I wanted them to. So, essentially, it meant it took it took a bit longer, but thank you for your patience on that one. I still wanted to get this out to you nice and quickly as well to make sure that we could have it all implemented and update for you. Okay? Before I go through this, I do need to let you know moving forward, we do record these calls for quality and training purposes.\n\nAre you happy for me to continue with that? Fantastic. And I do have to do a quick security check there for you just to confirm your full name, your date of birth, and address that you have on file. Yep. Yep.\n\nBeautiful. Thank you so much for that. On the front of the document, when you do see it, it has been prepared for yourself. It has yesterday's date there, and the advice and balance are sixty days from the date on the document there. It also has my license number on the bottom.\n\nSo I'm a licensed authorized representative. I registered with Aspic and an adviser of financial, and my license number is 1304394. Okay. All as you are going through the adviser, it has all the individual strategies outlayed there for you, and we also have noted the best interest duty, which relates back to your goals and how and why we are making the recommendations. I'll let you read through that a bit later on, and if you have any questions, you're welcome to let me know.\n\nWith regards to the advice fees, the areas that we are focusing in or looking at advice for superannuation, so your goal is to hopefully retire around about age 60 on about $1,500 per week. You were open to salary sacrificing. We were looking at starting at about $50 per week, starting small, and then building on that down the track. Is that still fairly comfortable, still is that accurate? Yep.\n\nBeautiful. We also have the insurance side of things there. So you do have your life saving income protection currently paid out of ASDA. We're looking at a way to increase whatever we can to cover your debt for the million dollars once you get the house all transferred over and billed. Essentially, looking at trying to increase the insurance cover, we went back and did some really good research there.\n\nIf I do have a recommendation, I will let you know upfront I was not able to increase the TDD or of the IP. So because of your spondylating ancolitis, I'm able to increase the life amount for you to the million dollars, which means that if you pass away, that is fully paid out. However, with the TBD, they would not increase disability cover in any way, shape, or form. So I have recommended to retain your TBD and your income protection exactly as it is. Because if we were to look at altering or decrease your income protection, we can't bring it back up to the level that it is.\n\nThey just no one would give any disability cover for that. So I felt it was best to retain what you had with those covers. Your life insurance was extremely low, a lot lower than your TBD, and we're able to increase that to the million dollar mark there for you. Okay? Excellent.\n\nWe also looked at trauma. I have found an option for trauma cover based on what we know, and I'll go through that with you in a second as well. And then I've also got the estate planning side in there as well. So just making sure your beneficiaries are applied to the account, making sure that we can help you to fill those out, nominate that to your partner. So if anything happens, you wanna make sure the money is paid to him so he can pay the mortgage off.\n\nAnd then also doing wills and powers attorneys things like that. We do refer you to a solicitor for drawing up of a will and the power of attorney documentation, and that should definitely be done in unison with your partner as well because you do have this property that you will get handed over, hopefully, by the end of the year. So you will certainly have a lot more assets to protect in the event of one or one or both of you passing away down the track. Okay. Excellent.\n\nExcellent. So I'll start by going through the insurance recommendation there for you just to kinda give you a guide on what I've recommended, and then I'll kinda go back to the super side of things for you because the insurance is really is a base that we wanna kinda start. As I kinda mentioned, you've got your life, your TDD, and your income protection there at the moment. At the moment, your current coverage of life cover you've got is something short of 212,839. We're able to look at increasing that to a million dollars.\n\nThat then pays out the mortgage if anything happens and allows your super to be paid out on top of that. The one thing I do have to let you know is because and this is the same as the last advice paid providers. Because of the ankylosing thondylitis, it is a much high risk condition. So insurers do see that as very high risk with what can essentially come out of it. You know, they're essentially assessing it as being progressive and symptomatic, and it carries a high probability of long term functional impairment and hidden systematic complications.\n\nSo they assess that risk level when they are assessing that, and it does essentially mean that we can increase the cover, but it does come with a loading. They've assessed it either one to 200% loading, and that will be assessed fully at the time of underwriting. I don't like that, and I'm very sorry for that. It does make the policy a bit more expensive to hold, But I do like a loading over exclusion. So, essentially, when there are preexisting conditions, they tend to either add a loading, which makes the policy more expensive, but still allows you to to claim on the policy for any, you know, death or illness as a result of the previous condition.\n\nSo if there's something and I'm gonna be really honest. I'm not a doctor, so I don't know a great deal about analyzing fundalized and how that can be progressive. It's just what I've gone through with doing the research for you. But, essentially, if if you were to pass away as a result of, you know, any kind of progression with regards to anxalizing spondylitis, it does mean that they will still pay out the life cover. Whereas if they have to put an exclusion onto that, which is what they tend to do with cancer, they tend to put, like, a cancer exclusion, which means that the person passes away as a result of cancer or as a result of something that, you know, progressed from cancer, they don't pay out the life benefit.\n\nSo generally speaking, a loading over exclusion is more preferable, and I do expect a loading on this policy. It does mean that with the life policy, once we complete the increase, the policy goes from being $60.47. It does go to being $4,074 for the year. So it is a much higher cost, albeit deducted out of super funds. So I just wanted to be open and disclose that to you so you're full aware.\n\nOkay? Probably not because you just said that. And I have a duty of care. I'm sorry, Steven. Anything I currently know about isn't a good thing.\n\nOh, no. That's okay. Don't you worry. You can swear and you can say anything you need. It's not a problem at all.\n\nYeah. It is a big jump, and it's because the like, obviously, there's the increase in the policy with increasing it from $200,000 as it come in short to a million, but then there's also that, you know, one to 200% loading. And I've included a 200% loading in that increased amount, so I'm over disclosing. That way, if the insurer comes back and goes, hey. You've had it a bit longer.\n\nThings are really well under control. We might reduce that loading to 100%. It means that the policy could be a bit cheaper for you as well. Okay? Beautiful.\n\nNice. Yeah. Yeah. Definitely. So we we did a research, and we disclosed everything to you, but we know that this will all come down to what happens at underwriting and how the underwriters accept the application.\n\nAnd, ultimately, they will when they offer the cover, will tell us what they're gonna offer and whether there's any changes to what they've told us. So we pre assess everything with them, and this is based on what they've told us that they're likely to assess it as. But it all comes down to what happens when they request doctor's report and what comes out in that. And depending on what else is there, so you've also sort of noted there are other kidney going from the polyps. They are gonna request doctor's reports for those sorts of things and check that there's no ongoing issues.\n\nIf they find anything, there could be additional loadings or exclusions applied. There could be a decline. It's just all based on it will come down to what's in the doctor's report. So as long as, you know, there's been no major issues, you don't you you haven't had to, you know, have any test of all the sick kidney disease or the ongoing problems from the kidney stones and things like that, then hopefully, that will assess pretty well. But there's always an unknown aspect to what we do because we just don't see the doctor's reports.\n\nWe're not allowed to request that information, and the underwriters will assess and look at that. So I tried to over disclose so you can expect this is what we're expecting. But we hope for a much better result for you, and we will work very closely with the underwriters and keep track of what's happening so we can kinda see what what comes out of it. There is always with every insurance application, there's always a risk of a decline. If the doctor's report have something that hasn't been noted or the doctor's written, you know, something saying something is worse than it was or there's been other symptoms or anything that's not disclosed, then there could be there's always a risk of a decline with the policy as well.\n\nSo this is what we've been told we can expect, and this is still a good result. It still gives you that level of cover you're after with life. With the TBD, you're actually covered for a benefit of $849,007.64. And this sum insured for your TPD increases in little increments every year along with PCI or indexation. So, eventually, that will just get to the million dollar mark, and those increases don't incur any underwriting.\n\nSo there's no current exclusions on your TBD policy, and that benefit will just keep increasing as it goes through renewal along with CPI, and that will eventually get to the million dollar mark without any additional underwriting there. But they weren't able to offer any new disability cover there. So this allows you to keep increasing your TBD in smaller increments and eventually get to your goal, albeit we know at the moment we're not quite there. It's still only 849,000, and I'm just owning that for you as well. Okay?\n\nWith the income protection. So we had a bit of a look. Based on 70% of your income, you are slightly over insured there. However, if I was to go back and decrease or alter that income protection policy, if you get an increase in income and then we need to reincrease the policy, I wouldn't be able to do so because all the insurers came back saying they wouldn't offer disability cover full stuff. It was a full decline.\n\nSo I felt it was best to keep your income protection policy as it is. It allows the increases in your income, and it means that you can claim a higher benefit if you need to. All b will keep you know, looking at it. If it becomes overly expensive, it's only a small amount over insured by, so it's not a huge difference. But if it became too much at any point, we absolutely would look to decrease it.\n\nBut for now, I'm not making any changes to the the amount you're insured for because instead, we can't increase it back if we need to, and that is a bigger risk over being over insured by a couple of $100 per month, essentially. Does that make sense? Yep. Beautiful. The total yearly premium, this is probably gonna make you swear again.\n\nI'm very sorry. When we when we be when we increase your life and add it to the TBD and the income protection because it's all kinda paid out of super there, essentially, you do have a a flexi link policy. Some of it is paid out of pocket, and that will just stay exactly as it is, which is absolutely fine. But, essentially, the total that you have for the pay this year for your policy total is about $4,817.33. When we look to increase the policy, the total that is expected to be paid based on the reset is $7,679.\n\nIt's increasing your total insurance payment out of your super by about $2,862. So it is an increased cost. It is also increasing that level of cover for life. And when I weigh up the options, it is still best to do so because if you pass away, once you get that half handed over and that million dollar mortgage, this life cover would pay that out. What I really kinda wanna reiterate is that what I wanna do moving forward, because I know this has an effect on your super and your overall retirement asset, is as your mortgage decreases, as your super balance increases, we look to reduce that that life cover down.\n\nThat way we can reduce it back, keep the cost, you know, reducing over time, keep more inside your super, and just keep altering it as we need to, whether it be every year, every six months. It doesn't really matter. But as you pay down the mortgage, as your super balance increases, as things are working really well, we just decrease that life cover back so that it's covering the mortgage or what you need to cover, but that way, you know, readjusting the cost of it to keep you super working as hard as possible as well. Does that make sense? Yes.\n\nAnd go for it. Say whatever you need to. If you wanna swear, you're fine. You just fine. I understand it.\n\nMhmm. Well, not not too not too bad at all because, realistically, it's still putting you in front. So the other thing is we're going to once you've we have to basically do it to be increase your life insurance first. That way, you've got your million dollar cover. And then we can still remember last time we talked about transferring that policy over?\n\nSo it transferred from Asgard into Hub twenty four and paid out of your Hub twenty four account. That allows us to consolidate the two. Do you remember going through that? Yes. Beautiful.\n\nSo we're still gonna be able to do that, which means that we'll the way it has to work is we increase the life first, then we do the transfer, and then we can look to consolidate your super fund. Essentially, once we consolidate everything, you'll actually save about $398 in administration fees because you'll go from having two funds to one. I'm also readjusting the portfolio for you, and it's actually gonna save you about $262. And then I also had a bit of a look at the way you invested with your portfolio. We kinda talked a bit before last time about being in that growth environment there.\n\nWhen I kind of went back and looked at how you were invested, between your funds, you're actually in more of that high growth environment. So 90% in those growth assets, so Australian, national shares, property, and commodities, and then also 10% low risk defensive investment. I'm also recommending that we stay high growth, that we don't go lower risk, that we stay high growth because as much as you're taking more risk by being in that high growth environment, one of the things we talked about was how you would feel in a market shift, how you would would you put more money in, take advantage of that downtime. And because you are still so young, you've got a lot of time before you can access super, we can take a bit more risk in the market. We can this allows us to take advantage of potential greater returns, so the market is doing really well.\n\nAnd I think being in that high growth environment, given your age or stage, we kind of need that to try and get those greater potential returns to try and make sure that we're mitigating some of the increase in the insurance policy as well. Does that make sense? Yeah. Perfect. Do you agree with that?\n\nIf you don't, that's okay. Yep. Yeah. You're younger than me. Yeah.\n\nYou're younger than me. Yeah. No. I'm good. You are younger than me.\n\nI look at everyone's birthday and I guess, yeah, you're younger than me, so it's okay. No. Look. I I have no problems with my age. I've worked very hard, and I actually kind of enjoy my forties.\n\nIt's kind of like my time. But I'm actually 42 this year, so I'm actually older than you. Hopefully, that makes you feel good. But, like, I have very similar time horizon to what you have. So, realistically, six is the earliest we can access super, and taking on a bit more risk now to get those greater potential returns is really good, especially when we know it's gonna be a higher insurance cost, taking advantage of those higher returns to try and mitigate some of that insurance costs, and also lowering the cost of your portfolio, saving on admin fees, saving on investment fees.\n\nJust by saving on the admin fees and the investment fees alone, so 398 for admin fees by consolidating and $2.62 in admin fees. You're saving about $660 for the year, and that compounded board over the next five to ten years can have a pretty greater effect on your super there. Yep. All good. I'm also recommending that we do start salary sacrificing that $50 per week.\n\nWe'll start with that. If we find that the mortgage isn't decreasing, that we need to keep the insurance level a bit higher for a bit longer, we can always look to increase salary sacrifice as well, increase what we're putting into the super fund to try and help mitigate off some of that insurance premium for you as well. Okay? By doing that $50 per week will help to provide a greater benefit. And, essentially, when I sort of looked at the way the portfolios were working, Ben along had a huge part in, you know, reducing a lot of the portfolio and how that was performing for you for this year.\n\nBut when we kind of average out the BT fund and the HUB twenty four fund, it's only really been getting about a 4% return, which is dismal and terrible. When we look at the newer portfolio that I wanna put you in, and you'll be able to see that when you see the document there, It's averaged about a 14.26% when we look at a three year rolling average. So this high growth environment has so are you at what? Your it's 14.26 over the past three years is averaged. Yeah.\n\nSo it's I I a 100% agree with you. I'll be honest, and I'm very honest with everything. I do not think you're gonna get 48% every year. However, this sort of portfolio does have a greater potential return to achieve close to that or, you know, even in the high growth environment, even if you're able to obtain, you know, eight to 10 or 10 to 12% return compounding that forward over the next sort of three to five, even ten years, that puts your super in a much greater position. And then saving on fees and having one fund rather than two, that also provides a greater benefit long term for you as well.\n\nOkay. Beautiful. This superfund. This I'll try to keep fairly brief because you'll be able to have a look at this on page 22. But, essentially, within your fund, we are removing the ban along Australian equities completely that was providing a a really dismal return.\n\nThey haven't formed, and we're removing that out ASAP. We are also selling off oh, yes. Yeah. No. We kind of have to until we change the the portfolio.\n\nSo what happens is we as per your last statement of advice, that is essentially what we have to buy into. It's what recommended on your on your super fund. Until we make these changes in there and you agree to this, we we continue to do that unless you sign a document that says we we stop doing it. The good news is it wasn't a huge buy in. It was been a long thing down.\n\nHopefully, you take a bit of an advantage of that. So but no. It's all good. So we're gonna sell off Benelon. I am removing the battery unless the insect has been a bit volatile this year, and I'm looking to alter and reduce the risk level of well, not the overall risk level, but kind of reduce the cost as well as the, you know, the volatility within your portfolio.\n\nACDC and battery and lithium tech have had ups and downs. It is very volatile, and this year has not seen great returns. So we wanna remove that for you completely. Global agriculture is not a bad investment but hasn't been doing very well. So we wanna kinda remove that from your portfolio.\n\nWe'll sell all of that off. You only have 1.80% in your portfolio. Very small amount to hold. So we're just gonna remove that from your portfolio there as well. You also have the beta share cybersecurity, and this is giving you exposure to global cybersecurity.\n\nSo it is really good for risk mitigation because you're, you know, going over the entire globe. You're spreading your risk level globally with that cybersecurity side of things and moving forward with everything that everyone's going through. Cybersecurity is a huge area to kind of build on. So you've got about 5.5% there now. We wanna hold 7% in this portfolio, so it's buying into a bit of that for you.\n\nWe've also got the Asia and European exposure. We do still wanna keep those kind of exposures, but these are more somatic ETFs. They have done really well, but we've got essentially a better way to kind of hold those sorts of investments and a cheaper way to hold those investments while still giving you exposure to them. So we're gonna sell those two ETFs down to zero and remove them completely. You've got the S and P 500 in there at the moment.\n\nYou've got about 21.90%. You wanna keep the S and P 500. It has been performing well, has seen volatility, but we wanna keep that as we see quite a good amount of growth in international equities. So we're gonna increase that to 25%. Other areas that we're going to keep are global cyber sorry.\n\nGlobal health care. Health care is still a really good area to hold, and, again, it's global. So spreading your risk level across the globe. Even being in a high growth environment, you still wanna mitigate what what risk you can. You want good return, mitigate as much possible risk as possible.\n\nWe can never reduce it completely, but we can utilize what schools we have to mitigate as much as humanly possible. You have about two percent in global health care. You're a bit underweighted at the moment, so we're gonna bring that up to 7%. You've got the diversified Vanguard index. This is kind of a mix of growth and defensive index.\n\nHasn't growth and defensive investments hasn't really performed the way we wanted it to this year, so we're gonna remove that from your portfolio. We are gonna see some exposure increase into India. We don't have any at the moment. It has seen some good growth, so we're gonna keep that. We wanna have about 7% in there, so we're gonna buy some India exposure.\n\nYou have the beta shares Rafi two hundred. This is giving you exposure into Australian equity. We've found a cheaper way to hold Australian equities and give you the exposure needed. So we're gonna sell off the Raffi as well as the Benelon and move the exposure into the beta shares a 200. Holding the a 200 means you hold one investment giving you exposure in the top 200 companies on the ASX, holding around about 10% of that investment there.\n\nAnd oh, actually, sorry. My bad. We're actually buying some more of the Rafi. My apologies. We don't have the Rafi.\n\nWe're buying into the Rafi. We wanna hold 15% of the Rafi and 10 of Australians a 200 so that you do have about 35 sorry, 25% in Australian equities. We were getting rid of the Rafi out of this portfolio, but it looks like we're gonna keep it in there, which is good. Essentially, Australian equities, we do wanna hold some of, but we don't tend to hold as much as global international equities because it tends to we tend to follow suit. Our country is very much the little brother of The US and some of the bigger countries out there, and we tend to follow suit exactly.\n\nSo we hold just as much, not quite as much as the international side of things, but having access to Australian equity still sees good returns. The BetaShares a two hundred is actually one of those best that pays out dividends, which is really cool. Those dividends are some of the highest for Australian equities, and they're paid into your cash account, which is used for compounding effect. So I wanted to make sure we created that for you. Okay?\n\nYou've also got the JPMorgan Global Research Enhanced Equity Fund. This is a new inclusion in your portfolio. I really do actually like this investment. With this one so we talked about last time about replacing Van Along. It wasn't performing very well.\n\nYou wanted to, like, look at the lower cost side of your portfolio to kind of reduce cost where possible, but also wanted a little bit of active management in there to take advantage of that where where we could. And this investment essentially does that. The JPMorgan Global Research Enhanced Equity Fund gives you exposure globally to help with diversification. It is a small component active, so that 10 to 15% actively managed by dating more than three search teams. It gives you exposure to the whole globe, essentially, and any areas that they see additional growth in.\n\nIt has done really well. I do like this investment, and we're holding about 15% of this one in your portfolio. So it's essentially a low cost fund, giving you some active management in there and has performed really well, but it's also helping to reduce the overall cost of your portfolio, which I do like as well. Okay. The last two are physical gold and the core composite bonds.\n\nWe all love a little bit of gold. I definitely do. We're adding gold into your portfolio. The physical gold will hold about 7%. And then core composite funds, these are defensive low risk investments, essentially, with core composite funds.\n\nIt's giving you exposure to government and corporate bonds, really good for income producing. And it also has some international certification into bank notes and other fixed interest areas, which is kind of really cool as well. So that essentially makes a good portfolio. I'm really sorry. It's kind of it's not easy when you're not looking at the investments, and I try to sort of take it as easy as possible.\n\nBut if you have any and I try to sort of take it as easy as possible. But do you have any questions in relation to any of that? Oh, perfect. It's on page twenty two and twenty three. Yeah.\n\nYep. Page twenty two and twenty three. Yeah. No. You're fine.\n\nOh, yeah. That's the PDF. Yeah. That's the product disclosure statement. So I have to give that to you.\n\nIf you like reading and you wanna run your eyes over that one, absolutely happy to do so, But not everyone's that interested in PDF. That's a lot of pages. It's it's either the the the best because there's three product disclosure statements. They've got the main one, and then they've got the investment one as well. And I think the 491 pages goes to all the individual investments you can hold on the platform.\n\nTwenty two and '23. Yeah. Sorry, Steven. Beautiful. So, essentially, the one that we kind of, say, focus on the most is the buy sell column.\n\nThat's essentially showing you what we'll pay what we'll sell as the investment in red and what we're gonna buy into in green. It does go over onto the next page there, essentially. And the last two columns show at the end of the switch where, essentially, you should see your target weighting within your portfolio and how much you should hold within those investments there for you. Okay. Yep.\n\nPerfect. So there are a few changes to make within the portfolio, which is good. But, yeah, just wanted to kinda go through that. The other thing I do point out is that with whenever you make changes in your investment portfolio, so buy and sell investment, As I said, as we mentioned last time, your super fund, just like you, does a tax return every year. They pay income tax and capital gains tax.\n\nSo being able to make these changes for you, I did look at the tax consequences. Your super fund is expected to pay $77 in CGT to to be able to switch your investments for you. Yeah. So I was able to lower the tax as much as possible. Yeah.\n\nYeah. Thank you. No. I I just wanted to make sure that we we could do what we could and try to get as much growth out of the portfolio as possible, try to mitigate, you know, the increase in in insurance recommendations, try to consolidate everything for you and have it all in one place. But I definitely wanna make sure we do catch up and review these investments because investments do go up and down, and I'm very aware you know, I like to make sure everyone's aware.\n\nProjections are just projections. So we do know markets go up. We do know markets go down. Whether you're in a growth or high growth portfolio, you still see market risk. You still expect a negative return one every five years.\n\nWe just wanna take advantage of the up while we do get there. So I do wanna make sure that we maybe touch base once every six months to see how things are traveling, to look at the returns. And if there needs to be changes made, we do that. If we can increase contributions, we talk about doing that. If the insurances need to be altered, we do that for you.\n\nThat way, things are being checked on more regularly, and that way, we can make changes as we need to so that I can make sure things are working as hard as possible. You have a lot of time ahead of you, but I wanna make sure that compounding is working, and I don't want your super to go backwards in any way, shape, or form. So that's kind of where I was at with making these recommendations, and I definitely wanna sure that we catch up on every six months if you're comfortable to do so. Yeah. Wow.\n\nWell so we'll see what we can do about that. Yeah. No. We definitely absolutely. Yeah.\n\nOf course. Definitely. So, no, I definitely wanna make sure that this, you know, goes into bite for you. Sorry. That's no good.\n\nNo. Well, the the good thing I wanna I wanna get this balance moving harder. One of the the difficult things is once you kinda get your balance up to that sort of $2.02 5,300,000 a month, that's when you really get the compounding effect. So if we can get contributions increasing, get the growth, you know, compounding a little bit harder, get your balance up over the next couple of years, then we can kind of go from there and really see the effect long term. So yeah.\n\nSo we can do to help you out here and make changes as we need to because, I mean, these investments have worked really well now. But, you know, next one, two, three, five, or ten years, they may not be doing the same thing. We may need to alter them again. And, realistically, investment portfolios do need to be updated not, like, every year, but pretty regularly because investments do become obsolete, not work properly. They have issues or, you know, need to be switched out for other areas.\n\nAlways the other areas of growth and decide to take on those sorts of advantage areas there. So we'll just keep reviewing it, keep touching base, seeing how things are tracking, and, you know, consolidating will be a definitely a big help there, and then try to get those insurances sorted for you so that you've got that higher level of cover, and everything can be put into one place there for you as well. Okay. Fantastic. The only other thing in there to kinda go through with the recommendations is, obviously, beneficiary nominations.\n\nI'll make sure that they are sent out email and posted so they can be filled out and nominated and added to the life policy and also your hub twenty four super account. And then we have also made a recommendation that you guys should speak to a solicitor and talk about doing up a will and power of attorney documents to make sure that everything that you've worked hard for outside of super and life insurance is also protected and looked after for you. Okay? The other thing I wanted to show you was the trauma recommendation. So we also talked about we've got the life changing income protection all kinda covered, but the other thing that you wanted to look at was trauma.\n\nThe trauma is an out of pocket cover. You wanted to look at about two years worth of trauma cover. Does that still sound about right? Yep. That's okay.\n\nIf you go down to page 36, this is the trauma recommendation there for you. Sorry. 36. Yep. Beautiful.\n\nSo I had a look around. I have not recommended trauma with power because power weren't offering the product. But in Compass, based on the free assessment, Encompass is another insurer, really great insurer. They actually take on a little bit more risk, which is great. They have come back saying they are likely to offer trauma covers to you, offering the benefit amount of 154,000, so two years worth of income.\n\nAnd, essentially, they would have a 50% loading attached to it because of what was disclosed. It essentially means the monthly premium expected is about a $177.80. So this part of the recommendation all comes down to what your expenditure looks like and whether you're able to afford this. If you decide not to take the trauma now, that's okay. We can come back and review that at a later time.\n\nBut this essentially would be costing about a $177.80 per month. So that over the course of the year is about $2,133 for the trauma. Think about that. Yeah. Yeah.\n\nI figured that would be the case, and that is okay. So the important thing to remember is these are recommendations. If there is any part of the recommendations you decide you do not wish to take on board, that's okay. On the very last page of the document, we actually have a box that says multiline in there. In that box, if you decide you don't wanna take on the trauma right now, you just write in there, don't want trauma or, you know, don't wanna accept this recommendation or wanna do this, and we will just that come back to us, and we will help, you know, abide by that.\n\nWe'll just not implement the trauma recommendation, or we can make changes for you. So that box is put there. So if there's any part of the advice you wanna alter, change, or not take on board, you can just make a little note in that box. It comes back to us, and we make sure to alter the implementation by not implementing a certain section or helping you to vary that in any way, shape, form. Does that make sense?\n\nIt'll be on page number 54. Yes. It's a blank box. Yeah. Sometimes it has multiline written on it.\n\nSometimes it doesn't. No. That's all good. That's all good. No.\n\nYou are absolutely fine, honestly. That is essentially the entire recommendations. I would love it if you would take some time just to read through the document. Let me know if you do happen to have any questions that come from that. The I've taken you through the pages and the areas that are applicable.\n\nBut as you kind of run through it from start to finish, it has all the recommendations outlined for you, the advantages, the disadvantages, the risks involved, and also any alternatives that I have considered as well for you. So feel free to run your eyes over that. Have a bit of a read. If you have any questions, you're more than welcome to let me know. And then get and then if there's any part of the recommendations you choose not to opt in to or not to take on board, just make a little note on that last page there.\n\nAnd if you're happy with everything, we'll get you to sign and return the documents back. After you've made that little note in that big box there for any changes, you can also sign and return it back, and we can just start implementing it. My team will try to help you get that sorted as quickly as possible, and we definitely wanna make those changes to your super ASAP as well. Get rid of that along, get rid of some of those investments, and get your super working a bit harder for you. Okay.\n\nYeah. Yep. Yep. Mhmm. Mhmm.\n\nIncome protection. Yeah. So that's your monthly benefit. That's how much you're covered for with your income protection policy. Yep.\n\nNo. That's okay. So the table's actually half on one page and half on the other. So if you go down to the next page, you've got the other half of that table. Sorry.\n\nPage twenty nine and thirty. Yes. Yep. So your monthly benefit or how much you're insured for? Sorry.\n\nYou're right. Mhmm. Yes. How much you pay for each policy? Well, the out of pocket yeah.\n\nThe out of pocket policy, that won't change in any way, shape, or form because that's just the income protection policy unless you take the trauma on, and that'll sort of increase that. So if we kind of look at that for you, so the $177.80 for that And with your income protection policy, in the front of the document on pages eleven and twelve that outlines your current policy that you do have there, and that essentially shows that you pay $42.49 per month for your income protection outside of. So if we add that to the possible trauma cover, because this is what's gonna tell you how much you need to pay per month, it means out of pocket is 2,002 hun sorry. $220.29 per month. By twelve months, it's $2,643.48.\n\nSo there's a lot of money out of pocket, whereas at the moment, the $42.49 is about $500 for your income protection it more just comes down to when looking at the out of pocket cost. The income protection is absolutely important to keep out of pocket. That, you know, provides you with greater benefit. If you can't work, it gives you a monthly benefit to look after you and help cover your bills and things. Things.\n\nWhereas trauma is only paid out if you have a traumatic diagnosis, things like cancer, heart attack, stroke. It means that you can claim on income protection. Unfortunately, no. Doesn't I'm sorry. I know.\n\nI'm very sorry. It doesn't kinda come under there. It does, however, if you are not able to work, you do the ankleizing for the lighters. Income protection covers that for you, if that helps. I'm sorry.\n\nI know. I felt bad. I was like, no. I'm sorry, Steven. Yes.\n\nAbsolutely. Yeah. No. Completely understandable. Yeah.\n\nFeel free to let me know if you do happen to have any questions there. I understand exactly where you're at, especially with, you know, building a house, and the cost of living is horrendously high. So I just wanted to show you the trauma recommendation, show you the other recommendations there, and then, yeah, it's up to you to decide what you're comfortable taking on board. This is valid for sixty days, and my team will touch base every so often to sort of see how you're going and if you have any questions there. So, I mean, the income protection is absolutely the most important thing because you are paying for that.\n\nWe can't get that back, and that out of pocket policy, the income protection protects you if anything happens. So, you know, having part inside safe and some outside safe. But the other side of the income protection, the part you pay outside of safe is also a tax deduction for you, whereas the how sorry. The trauma policy, that doesn't give you any kind of tax benefit there. So that's kind of the major benefit of having income protection paid out of pocket and why I would definitely wanna keep that rather than the trauma side of it.\n\nBut it also comes down to what you're comfortable with and what you guys can afford and and what your expenditure looks like there. So I'm happy to support any decision you have. And any questions at all, you're welcome to let me know. Okay. Sure.\n\nYeah. Absolutely. For the insurances? Yeah. Yes.\n\n7,680 dollars. It's on page 20 if you wanna have a look there to make it a bit easier for you. It's in a couple of places, but the the fee comparison table is good because it kinda outlays the cost there to make it easier for you. You can sort of see that. 20.\n\nYeah. 50 per week. Yes. Not really. No.\n\nNo. So we we could talk about increasing the salary sacrifice. I think the main reason we sort of looked at 50 to start with was to look at your comfort level because we're also looking at trauma and out of pocket expenses. So we could always start with this for the first sort of six months, look at how that's going, if you're comfortable with the change in expenditure, because salary sacrifice also reduced your your take home pay. Not as much.\n\nIt's only a little bit. But then we can always increase it in increments if you're comfortable doing so. I tend to take that approach with most of my clients because if we start with a bigger lump sum, it's great because you get a bigger tax effect and more money goes into the super, but you can't then pull it back out if you find you need the money. So it is best to start smaller, get comfortable, and then we increase that in increments as as you're comfortable doing so as you find your expenditure isn't as affected. Does that make sense?\n\nYeah. Yeah. Did you wanna say it out loud? I can help you. Sorry.\n\nIs it how much is going in? Yep. It's 2,600 per year. Yep. It's about $200 per month if on a four week month.\n\nYeah. Yeah. Yeah. Yeah. The weeks that have a little fewer after days.\n\nYeah. Absolutely. No. I under Yep. Okay.\n\nNo. That's okay. And, look, you've probably had a long week as well, and I'm doing this. It's probably dinner time for you, so I'm so sorry. It's probably a lot.\n\nIt's okay. Okay. I'm so sorry. I'm so sorry. Yeah.\n\nYeah. Absolutely. No. I'm so, so sorry to hear that. It's a it's a big thing to go through, and you're going through a lot.\n\nSo I absolutely understand. So take some time, read it through. If you need to put it off for a little while, that's okay. Please take your time. Let me know if there's anything you need.\n\nIn my world, there is no such thing as a silly question. If it's something that you wanna know, you pop it down, and I will happily answer it for you. Okay? Beautiful. Yes.\n\nIt's a lot. Yes. No. No. Yeah.\n\nNo. I I absolutely understand. That is not a problem at all. Just to let you know, I am taking a little bit of leave after next week, so I will be away from the September 11 until the twenty eighth. So if you do need anything in that point in time, my team will book you in around that.\n\nBut, yeah, just take some time. If you need anything next week, let me know. I'll happily take time to answer questions and help you out. And then, yeah, I'll be back after the twenty eighth, then I'll, yeah, be there to, you know, ask answer any additional questions you have. I will send you an email as well.\n\nThat way, you've got my email there because periodically through my holidays, I do check my emails. Otherwise, they bank up. So if there is something that you need, you're welcome to email me. And as I check my emails periodically through my leave, I can answer the questions for you as well. Okay.\n\nYeah. No. Honestly, I I you're right. Yeah. That's okay.\n\nYep. Think about Yep. Absolutely. Yeah. Absolutely.\n\nI still do like the is it just the trauma that you're sort of thinking is concerning you the cost of the trauma, or is there anything else insurance wise that's really kind of gnawing at you a little bit? Mhmm. Yep. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Yes. Correct.\n\nYeah. Yeah. The insurance premiums are very much yeah. The insurance premiums are very much a lot, and it is eating a lot of new contributions, so that does have an effect on it. The main thing with the transfer so the in order to transfer the policy, and this is kind of what we went through last time, in order to transfer the policy from Asgard to hub twenty four, they actually have to transfer the life and pay period either at the same level of cover or have a higher life policy.\n\nSo we either have to bring the life policy up to where your TPD is, and I could always get a quote sent through to you to show you if we just increase the life to the level of TBD, what that might look like in case you're comfortable with just maybe increasing to that level. That way, we can still transfer the policy and consolidate your funds to make everything work a bit better, or we have to bring the TBD down. And that was definitely something we talked about in the past that you were not comfortable with reducing the TBD back in any way. So especially with this mortgage now hanging over your head. So we do have to kinda do something with the life to bring it up to at least the level of if it is transferred.\n\nBut in saying that, what we could always do is when we go through underwriting, we can always go through the underwriting. They never put the policy in full until they come back with terms. So we could always go through the underwriting process, have it underwritten with everything that's being recommended, and then when they come back with the terms and they've completed it and they come back and tell us what they're gonna offer as the final offer, then you always get the option to say, hey. No. I don't want that level.\n\nLet's reduce it. Or, no. I've decided not to take the trauma cover. Thanks, but no. Thanks.\n\nSo you don't have to even when you get to that point, you don't have to accept the cover. You can alter it, but it means they underwrite the policy anyway. We make them do the work regardless of whether you're gonna take that policy or not. So it's just another kind of option for you there. I'm happy to go with whatever you decide.\n\nYeah. Yep. Yep. And then if we're touching base every six months. Yep.\n\nYeah. Perfect. Perfect. And then every six months, we can review what's happening and look at what's happening with your expenses and maybe increase contributions incrementally along with your comfort level. If you've got a nice chunk of savings end of financial year, we can also look at making a nice big deductible contribution into super, take advantage of putting more money in, and maybe give you a bit of a tax deduction there as well.\n\nSo there's definitely other things that we can do. I just wanted to start with your comfort level, show you what this looks like, and be as honest and open as possible with you. Let you see it, read it, take take it all in, and then we kinda build on there for you. So there's lots of other things that we can do, lots of other places that we can start. I just didn't wanna overwhelm you by going too far into it.\n\nI felt like this was probably overwhelming enough. So then we kinda build on that from there if that makes sense. Yeah. There is, and I'm so so sorry. The better.\n\nYeah. Absolutely. Absolutely. Absolutely. No.\n\nI completely understand. So no. Look. Thank you so much. I will let you go so you can go and have dinner, take some time, and read it over.\n\nI'll send you an email shortly so you've got my email there as well. And then any questions you have, just let me know, and we can kinda go from there for you. Okay? Beautiful. Thank you.\n\nYep. Yep. Yep. Mhmm. Mhmm.\n\nYep. Yeah. Yeah. Absolutely. Absolutely.\n\nYeah. No. I I definitely agree. Yep. Absolutely.\n\nThat's exactly right. I like it. Yes. Yep. Yes.\n\nYep. Yep. That's okay. Yeah. Perfect.\n\nNot a problem at all. I like it. Thank you so much for your time this afternoon. I hope you have a good weekend. No.\n\nMy pleasure. Thank you for letting me put this together. I actually really enjoyed it, so it's been really fun. Yes. I look forward to helping you reach your goals and move forward and build on this and, yeah, get you super working harder.\n\nThat's the most important thing. You work too hard to not enjoy your retirement. So it's a bit of a pet love of mine to make sure everyone gets their retirement and enjoys their retirement years. So we will get there. My pleasure.\n\nNo worries. Thanks, Steven. You have a good night. I'll talk to you soon. Thanks.\n\nSee you later. Bye.","paragraphs":[{"sentences":[{"text":"Hey, Steven.","start":7.44,"end":8.08,"sentiment":"neutral","sentiment_score":0.10326454043388367},{"text":"It's saying it again.","start":8.08,"end":9.059999,"sentiment":"neutral","sentiment_score":0.141654834151268},{"text":"All good.","start":9.12,"end":9.5199995,"sentiment":"positive","sentiment_score":0.47299014031887054},{"text":"It's now okay.","start":9.5199995,"end":10.4,"sentiment":"neutral","sentiment_score":0.24402844905853271},{"text":"I'm so sorry.","start":10.4,"end":11.12,"sentiment":"neutral","sentiment_score":-0.04658021405339241}],"sentiment":"neutral","sentiment_score":0.16510524308042868,"num_words":14,"start":7.44,"end":11.12},{"sentences":[{"text":"Am I interrupting something?","start":11.12,"end":12.5,"sentiment":"neutral","sentiment_score":-0.06041830684989691},{"text":"That's okay.","start":15.295,"end":16.115002,"sentiment":"neutral","sentiment_score":0.115449920296669},{"text":"All good.","start":16.255001,"end":17.075,"sentiment":"neutral","sentiment_score":0.3137250542640686},{"text":"I have your email your statement of advice to you.","start":17.855,"end":20.495,"sentiment":"neutral","sentiment_score":0.10814783871173858},{"text":"Are you able to look at that as we're going through it at all?","start":20.495,"end":23.455,"sentiment":"neutral","sentiment_score":0.06535621798996415}],"sentiment":"neutral","sentiment_score":0.08166069252183661,"num_words":32,"start":11.12,"end":23.455},{"sentences":[{"text":"If not, that's okay.","start":23.455,"end":24.655,"sentiment":"neutral","sentiment_score":-0.009239557024557143},{"text":"I can go through it for you.","start":24.655,"end":26.835,"sentiment":"neutral","sentiment_score":0.09876658022403717},{"text":"Yep.","start":29.535,"end":29.88,"sentiment":"neutral","sentiment_score":0.008602671325206757},{"text":"Okay.","start":34.6,"end":35.0,"sentiment":"neutral","sentiment_score":0.03929077461361885},{"text":"No.","start":35.0,"end":35.239998,"sentiment":"neutral","sentiment_score":0.02708832360804081}],"sentiment":"neutral","sentiment_score":0.05209925735834986,"num_words":14,"start":23.455,"end":35.239998},{"sentences":[{"text":"That's absolutely fine.","start":35.239998,"end":36.44,"sentiment":"neutral","sentiment_score":0.15379799902439117},{"text":"Well, what I'll do is I'll run through the advice.","start":36.44,"end":38.699997,"sentiment":"neutral","sentiment_score":0.10618516430258751},{"text":"I'll let you know as to what we're recommending, how, and why.","start":39.0,"end":41.98,"sentiment":"neutral","sentiment_score":0.09167113279302914},{"text":"I'll limit it to the things I have to touch on, and then you're able to go back and have a good read of the document.","start":42.285,"end":47.265,"sentiment":"neutral","sentiment_score":0.1657099024607585},{"text":"And if you find you do have any questions that come from that, you're welcome to let me know there.","start":47.324997,"end":51.324997,"sentiment":"neutral","sentiment_score":0.16101763993501664}],"sentiment":"neutral","sentiment_score":0.14298745769430216,"num_words":71,"start":35.239998,"end":51.324997},{"sentences":[{"text":"Is that okay?","start":51.324997,"end":52.144997,"sentiment":"neutral","sentiment_score":0.11687238266070683},{"text":"Beautiful.","start":54.95,"end":55.45,"sentiment":"positive","sentiment_score":0.6682907342910767},{"text":"Excellent.","start":55.51,"end":56.01,"sentiment":"positive","sentiment_score":0.5559405088424683},{"text":"So on the front, when you do see that document and I've emailed it through, so it is in your email box then.","start":56.23,"end":60.79,"sentiment":"neutral","sentiment_score":0.12881827548794125},{"text":"I do apologize if you had to reschedule the last appointment.","start":60.79,"end":63.449997,"sentiment":"neutral","sentiment_score":-0.05814765833995559}],"sentiment":"neutral","sentiment_score":0.0999498586050975,"num_words":39,"start":51.324997,"end":63.449997},{"sentences":[{"text":"How with the way the quotes were that were coming through, The way we needed these quotes to be done, they had a lot of trouble with their system doing what I wanted them to.","start":64.229996,"end":72.215,"sentiment":"neutral","sentiment_score":-0.07461261429956981},{"text":"So, essentially, it meant it took it took a bit longer, but thank you for your patience on that one.","start":72.215,"end":78.475,"sentiment":"neutral","sentiment_score":0.08172494400059804},{"text":"I still wanted to get this out to you nice and quickly as well to make sure that we could have it all implemented and update for you.","start":78.854996,"end":85.25,"sentiment":"neutral","sentiment_score":0.3046170962708337},{"text":"Okay?","start":85.25,"end":85.75,"sentiment":"neutral","sentiment_score":0.12506923079490662},{"text":"Before I go through this, I do need to let you know moving forward, we do record these calls for quality and training purposes.","start":87.57,"end":93.649994,"sentiment":"neutral","sentiment_score":0.10731112429251273}],"sentiment":"neutral","sentiment_score":0.09493400267523679,"num_words":108,"start":64.229996,"end":93.649994},{"sentences":[{"text":"Are you happy for me to continue with that?","start":93.649994,"end":95.829994,"sentiment":"neutral","sentiment_score":0.14578647828764385},{"text":"Fantastic.","start":98.08501,"end":98.565,"sentiment":"neutral","sentiment_score":0.10850074142217636},{"text":"And I do have to do a quick security check there for you just to confirm your full name, your date of birth, and address that you have on file.","start":98.565,"end":104.265,"sentiment":"neutral","sentiment_score":0.048441956751048565},{"text":"Yep.","start":107.365005,"end":107.865005,"sentiment":"neutral","sentiment_score":0.0141458660364151},{"text":"Yep.","start":109.365005,"end":109.71,"sentiment":"neutral","sentiment_score":0.009256026707589626}],"sentiment":"neutral","sentiment_score":0.06898189622110554,"num_words":42,"start":93.649994,"end":109.71},{"sentences":[{"text":"Beautiful.","start":113.63,"end":114.13,"sentiment":"positive","sentiment_score":0.6461074352264404},{"text":"Thank you so much for that.","start":114.19,"end":115.81,"sentiment":"positive","sentiment_score":0.7627253433068594},{"text":"On the front of the document, when you do see it, it has been prepared for yourself.","start":116.03,"end":119.39,"sentiment":"neutral","sentiment_score":0.2645342016921324},{"text":"It has yesterday's date there, and the advice and balance are sixty days from the date on the document there.","start":119.39,"end":124.369995,"sentiment":"neutral","sentiment_score":0.14284354262053967},{"text":"It also has my license number on the bottom.","start":125.285,"end":127.525,"sentiment":"neutral","sentiment_score":0.10890079703595903}],"sentiment":"neutral","sentiment_score":0.25578337640694854,"num_words":53,"start":113.63,"end":127.525},{"sentences":[{"text":"So I'm a licensed authorized representative.","start":127.525,"end":129.305,"sentiment":"neutral","sentiment_score":0.09620155642429988},{"text":"I registered with Aspic and an adviser of financial, and my license number is 1304394.","start":129.445,"end":135.945,"sentiment":"neutral","sentiment_score":0.105792631705602},{"text":"Okay.","start":136.005,"end":136.505,"sentiment":"neutral","sentiment_score":0.17048706114292145},{"text":"All as you are going through the adviser, it has all the individual strategies outlayed there for you, and we also have noted the best interest duty, which relates back to your goals and how and why we are making the recommendations.","start":138.62001,"end":149.28,"sentiment":"neutral","sentiment_score":0.17796280997849645},{"text":"I'll let you read through that a bit later on, and if you have any questions, you're welcome to let me know.","start":149.90001,"end":154.19499,"sentiment":"neutral","sentiment_score":0.2286937338384715}],"sentiment":"neutral","sentiment_score":0.1725614655676276,"num_words":86,"start":127.525,"end":154.19499},{"sentences":[{"text":"With regards to the advice fees, the areas that we are focusing in or looking at advice for superannuation, so your goal is to hopefully retire around about age 60 on about $1,500 per week.","start":155.215,"end":167.075,"sentiment":"neutral","sentiment_score":0.04598876791340964},{"text":"You were open to salary sacrificing.","start":167.43001,"end":169.45,"sentiment":"neutral","sentiment_score":-0.05773017555475235},{"text":"We were looking at starting at about $50 per week, starting small, and then building on that down the track.","start":169.59,"end":174.71,"sentiment":"neutral","sentiment_score":0.04481640234589577},{"text":"Is that still fairly comfortable, still is that accurate?","start":174.71,"end":177.21,"sentiment":"neutral","sentiment_score":0.07748510771327549},{"text":"Yep.","start":179.99,"end":180.345,"sentiment":"neutral","sentiment_score":0.17725870013237}],"sentiment":"neutral","sentiment_score":0.042734909015642086,"num_words":71,"start":155.215,"end":180.345},{"sentences":[{"text":"Beautiful.","start":180.585,"end":181.085,"sentiment":"positive","sentiment_score":0.4517228603363037},{"text":"We also have the insurance side of things there.","start":181.30501,"end":183.625,"sentiment":"neutral","sentiment_score":0.18930995961030325},{"text":"So you do have your life saving income protection currently paid out of ASDA.","start":183.625,"end":188.425,"sentiment":"neutral","sentiment_score":0.12936123141220637},{"text":"We're looking at a way to increase whatever we can to cover your debt for the million dollars once you get the house all transferred over and billed.","start":188.425,"end":196.37999,"sentiment":"neutral","sentiment_score":0.12046508570866925},{"text":"Essentially, looking at trying to increase the insurance cover, we went back and did some really good research there.","start":197.31999,"end":203.31999,"sentiment":"neutral","sentiment_score":0.06689525650520074}],"sentiment":"neutral","sentiment_score":0.12127608464847148,"num_words":71,"start":180.585,"end":203.31999},{"sentences":[{"text":"If I do have a recommendation, I will let you know upfront I was not able to increase the TDD or of the IP.","start":203.31999,"end":210.865,"sentiment":"neutral","sentiment_score":-0.015377256243179241},{"text":"So because of your spondylating ancolitis, I'm able to increase the life amount for you to the million dollars, which means that if you pass away, that is fully paid out.","start":210.865,"end":220.325,"sentiment":"neutral","sentiment_score":0.11578207739418553},{"text":"However, with the TBD, they would not increase disability cover in any way, shape, or form.","start":220.865,"end":226.53,"sentiment":"neutral","sentiment_score":-0.21924107056111097},{"text":"So I have recommended to retain your TBD and your income protection exactly as it is.","start":226.53,"end":231.83,"sentiment":"neutral","sentiment_score":0.03133507980965078},{"text":"Because if we were to look at altering or decrease your income protection, we can't bring it back up to the level that it is.","start":232.05,"end":238.23001,"sentiment":"neutral","sentiment_score":-0.19981655716896057}],"sentiment":"neutral","sentiment_score":-0.04269392439164221,"num_words":112,"start":203.31999,"end":238.23001},{"sentences":[{"text":"They just no one would give any disability cover for that.","start":238.845,"end":242.365,"sentiment":"neutral","sentiment_score":-0.2666039615869522},{"text":"So I felt it was best to retain what you had with those covers.","start":242.365,"end":245.74501,"sentiment":"neutral","sentiment_score":-0.055351622402668},{"text":"Your life insurance was extremely low, a lot lower than your TBD, and we're able to increase that to the million dollar mark there for you.","start":246.045,"end":256.18,"sentiment":"neutral","sentiment_score":0.25643780540961486},{"text":"Okay?","start":256.18,"end":256.58002,"sentiment":"positive","sentiment_score":0.3928607106208801},{"text":"Excellent.","start":256.58002,"end":256.98,"sentiment":"positive","sentiment_score":0.5189687013626099}],"sentiment":"neutral","sentiment_score":0.07304992568942736,"num_words":53,"start":238.845,"end":256.98},{"sentences":[{"text":"We also looked at trauma.","start":256.98,"end":258.34,"sentiment":"neutral","sentiment_score":0.1331794172525406},{"text":"I have found an option for trauma cover based on what we know, and I'll go through that with you in a second as well.","start":258.34,"end":264.6,"sentiment":"neutral","sentiment_score":0.18891949623823165},{"text":"And then I've also got the estate planning side in there as well.","start":264.74,"end":268.995,"sentiment":"neutral","sentiment_score":0.190875659768398},{"text":"So just making sure your beneficiaries are applied to the account, making sure that we can help you to fill those out, nominate that to your partner.","start":269.07498,"end":275.875,"sentiment":"neutral","sentiment_score":0.249006528545309},{"text":"So if anything happens, you wanna make sure the money is paid to him so he can pay the mortgage off.","start":275.875,"end":280.775,"sentiment":"neutral","sentiment_score":0.1658240868931725}],"sentiment":"neutral","sentiment_score":0.1986346171943696,"num_words":91,"start":256.98,"end":280.775},{"sentences":[{"text":"And then also doing wills and powers attorneys things like that.","start":280.995,"end":284.36002,"sentiment":"neutral","sentiment_score":0.08518505976958708},{"text":"We do refer you to a solicitor for drawing up of a will and the power of attorney documentation, and that should definitely be done in unison with your partner as well because you do have this property that you will get handed over, hopefully, by the end of the year.","start":284.42,"end":297.64,"sentiment":"neutral","sentiment_score":0.16956611722707748},{"text":"So you will certainly have a lot more assets to protect in the event of one or one or both of you passing away down the track.","start":298.30502,"end":304.885,"sentiment":"neutral","sentiment_score":0.16993814458449683},{"text":"Okay.","start":305.02502,"end":305.52502,"sentiment":"neutral","sentiment_score":0.13241761922836304},{"text":"Excellent.","start":306.70502,"end":307.20502,"sentiment":"positive","sentiment_score":0.35531818866729736}],"sentiment":"neutral","sentiment_score":0.1611095972277306,"num_words":91,"start":280.995,"end":307.20502},{"sentences":[{"text":"Excellent.","start":308.225,"end":308.725,"sentiment":"positive","sentiment_score":0.36820656061172485},{"text":"So I'll start by going through the insurance recommendation there for you just to kinda give you a guide on what I've recommended, and then I'll kinda go back to the super side of things for you because the insurance is really is a base that we wanna kinda start.","start":308.86502,"end":322.84,"sentiment":"neutral","sentiment_score":0.2389953291416168},{"text":"As I kinda mentioned, you've got your life, your TDD, and your income protection there at the moment.","start":323.62,"end":328.60498,"sentiment":"neutral","sentiment_score":0.08816288784146309},{"text":"At the moment, your current coverage of life cover you've got is something short of 212,839.","start":329.065,"end":335.805,"sentiment":"neutral","sentiment_score":-0.0020774892764165998},{"text":"We're able to look at increasing that to a million dollars.","start":335.945,"end":338.845,"sentiment":"neutral","sentiment_score":0.19560170512307773}],"sentiment":"neutral","sentiment_score":0.16690920757052177,"num_words":96,"start":308.225,"end":338.845},{"sentences":[{"text":"That then pays out the mortgage if anything happens and allows your super to be paid out on top of that.","start":339.38,"end":344.68,"sentiment":"neutral","sentiment_score":0.15823552899417423},{"text":"The one thing I do have to let you know is because and this is the same as the last advice paid providers.","start":345.3,"end":350.58,"sentiment":"neutral","sentiment_score":-0.06685671890559404},{"text":"Because of the ankylosing thondylitis, it is a much high risk condition.","start":350.58,"end":355.595,"sentiment":"neutral","sentiment_score":-0.2695155007143815},{"text":"So insurers do see that as very high risk with what can essentially come out of it.","start":355.655,"end":361.57498,"sentiment":"neutral","sentiment_score":-0.3051537222721997},{"text":"You know, they're essentially assessing it as being progressive and symptomatic, and it carries a high probability of long term functional impairment and hidden systematic complications.","start":361.57498,"end":372.12,"sentiment":"neutral","sentiment_score":-0.2799984577756662}],"sentiment":"neutral","sentiment_score":-0.14057088500321513,"num_words":99,"start":339.38,"end":372.12},{"sentences":[{"text":"So they assess that risk level when they are assessing that, and it does essentially mean that we can increase the cover, but it does come with a loading.","start":372.5,"end":381.24,"sentiment":"neutral","sentiment_score":-0.06239266051300641},{"text":"They've assessed it either one to 200% loading, and that will be assessed fully at the time of underwriting.","start":382.085,"end":388.585,"sentiment":"neutral","sentiment_score":-0.03859124930673524},{"text":"I don't like that, and I'm very sorry for that.","start":389.285,"end":391.445,"sentiment":"negative","sentiment_score":-0.6043618023395538},{"text":"It does make the policy a bit more expensive to hold, But I do like a loading over exclusion.","start":391.445,"end":397.74,"sentiment":"neutral","sentiment_score":-0.3038603341893146},{"text":"So, essentially, when there are preexisting conditions, they tend to either add a loading, which makes the policy more expensive, but still allows you to to claim on the policy for any, you know, death or illness as a result of the previous condition.","start":397.96,"end":414.545,"sentiment":"neutral","sentiment_score":-0.19128279337151485}],"sentiment":"neutral","sentiment_score":-0.18823163779375474,"num_words":121,"start":372.5,"end":414.545},{"sentences":[{"text":"So if there's something and I'm gonna be really honest.","start":414.545,"end":417.185,"sentiment":"neutral","sentiment_score":-0.13933600336313248},{"text":"I'm not a doctor, so I don't know a great deal about analyzing fundalized and how that can be progressive.","start":417.185,"end":422.885,"sentiment":"neutral","sentiment_score":-0.24255054593086242},{"text":"It's just what I've gone through with doing the research for you.","start":423.265,"end":426.81998,"sentiment":"neutral","sentiment_score":-0.10696871516605218},{"text":"But, essentially, if if you were to pass away as a result of, you know, any kind of progression with regards to anxalizing spondylitis, it does mean that they will still pay out the life cover.","start":427.36,"end":438.18,"sentiment":"neutral","sentiment_score":-0.2746975142508745},{"text":"Whereas if they have to put an exclusion onto that, which is what they tend to do with cancer, they tend to put, like, a cancer exclusion, which means that the person passes away as a result of cancer or as a result of something that, you know, progressed from cancer, they don't pay out the life benefit.","start":438.495,"end":454.22998,"sentiment":"neutral","sentiment_score":-0.318316152255083}],"sentiment":"neutral","sentiment_score":-0.26381943292696686,"num_words":136,"start":414.545,"end":454.22998},{"sentences":[{"text":"So generally speaking, a loading over exclusion is more preferable, and I do expect a loading on this policy.","start":454.37,"end":461.75,"sentiment":"neutral","sentiment_score":0.2029583226693304},{"text":"It does mean that with the life policy, once we complete the increase, the policy goes from being $60.47.","start":461.88998,"end":472.715,"sentiment":"neutral","sentiment_score":0.19763886457995364},{"text":"It does go to being $4,074 for the year.","start":473.095,"end":476.775,"sentiment":"neutral","sentiment_score":0.12942801829841402},{"text":"So it is a much higher cost, albeit deducted out of super funds.","start":476.775,"end":480.69,"sentiment":"neutral","sentiment_score":-0.004989297057573612},{"text":"So I just wanted to be open and disclose that to you so you're full aware.","start":480.69,"end":484.31,"sentiment":"neutral","sentiment_score":0.1052707452327013}],"sentiment":"neutral","sentiment_score":0.1367851287420643,"num_words":76,"start":454.37,"end":484.31},{"sentences":[{"text":"Okay?","start":484.69,"end":485.19,"sentiment":"neutral","sentiment_score":0.04851723462343216},{"text":"Probably not because you just said that.","start":493.615,"end":495.79498,"sentiment":"neutral","sentiment_score":-0.12663039777960097},{"text":"And I have a duty of care.","start":497.055,"end":498.655,"sentiment":"neutral","sentiment_score":-0.07124523924929756},{"text":"I'm sorry, Steven.","start":498.655,"end":499.715,"sentiment":"neutral","sentiment_score":-0.23002331455548605},{"text":"Anything I currently know about isn't a good thing.","start":500.735,"end":503.79498,"sentiment":"negative","sentiment_score":-0.5340550740559896}],"sentiment":"neutral","sentiment_score":-0.2530806605462675,"num_words":27,"start":484.69,"end":503.79498},{"sentences":[{"text":"Oh, no.","start":510.79,"end":511.19,"sentiment":"neutral","sentiment_score":-0.09071850031614304},{"text":"That's okay.","start":511.19,"end":511.91,"sentiment":"neutral","sentiment_score":0.05969139095395803},{"text":"Don't you worry.","start":511.91,"end":512.81,"sentiment":"neutral","sentiment_score":0.12078677862882614},{"text":"You can swear and you can say anything you need.","start":512.95,"end":515.51,"sentiment":"neutral","sentiment_score":0.1941821053624153},{"text":"It's not a problem at all.","start":515.51,"end":517.21,"sentiment":"neutral","sentiment_score":0.32115240891774494}],"sentiment":"neutral","sentiment_score":0.18126267931707526,"num_words":23,"start":510.79,"end":517.21},{"sentences":[{"text":"Yeah.","start":524.625,"end":524.865,"sentiment":"neutral","sentiment_score":0.21191637217998505},{"text":"It is a big jump, and it's because the like, obviously, there's the increase in the policy with increasing it from $200,000 as it come in short to a million, but then there's also that, you know, one to 200% loading.","start":524.865,"end":538.17,"sentiment":"neutral","sentiment_score":0.18031772171578755},{"text":"And I've included a 200% loading in that increased amount, so I'm over disclosing.","start":538.17,"end":543.31,"sentiment":"neutral","sentiment_score":0.19532087871006557},{"text":"That way, if the insurer comes back and goes, hey.","start":543.77,"end":546.09,"sentiment":"neutral","sentiment_score":0.2186545103788376},{"text":"You've had it a bit longer.","start":546.09,"end":547.39,"sentiment":"neutral","sentiment_score":0.2442605420947075}],"sentiment":"neutral","sentiment_score":0.19432699473367798,"num_words":72,"start":524.625,"end":547.39},{"sentences":[{"text":"Things are really well under control.","start":547.93,"end":549.605,"sentiment":"positive","sentiment_score":0.49690114458401996},{"text":"We might reduce that loading to 100%.","start":549.605,"end":552.085,"sentiment":"neutral","sentiment_score":0.33057517664773123},{"text":"It means that the policy could be a bit cheaper for you as well.","start":552.085,"end":555.285,"sentiment":"positive","sentiment_score":0.36221046426466535},{"text":"Okay?","start":555.285,"end":555.785,"sentiment":"neutral","sentiment_score":0.08962936699390411},{"text":"Beautiful.","start":558.085,"end":558.585,"sentiment":"neutral","sentiment_score":-0.2142853885889053}],"sentiment":"positive","sentiment_score":0.3531628821430535,"num_words":29,"start":547.93,"end":558.585},{"sentences":[{"text":"Nice.","start":562.005,"end":562.44,"sentiment":"neutral","sentiment_score":0.2271418869495392},{"text":"Yeah.","start":565.56,"end":565.88,"sentiment":"neutral","sentiment_score":0.1477183997631073},{"text":"Yeah.","start":565.88,"end":566.12,"sentiment":"neutral","sentiment_score":0.33283573389053345},{"text":"Definitely.","start":566.12,"end":566.62,"sentiment":"neutral","sentiment_score":0.32193905115127563},{"text":"So we we did a research, and we disclosed everything to you, but we know that this will all come down to what happens at underwriting and how the underwriters accept the application.","start":566.76,"end":576.78,"sentiment":"neutral","sentiment_score":0.036710295261758744}],"sentiment":"neutral","sentiment_score":0.06056958960520255,"num_words":37,"start":562.005,"end":576.78},{"sentences":[{"text":"And, ultimately, they will when they offer the cover, will tell us what they're gonna offer and whether there's any changes to what they've told us.","start":577.375,"end":584.575,"sentiment":"neutral","sentiment_score":0.08737676504712838},{"text":"So we pre assess everything with them, and this is based on what they've told us that they're likely to assess it as.","start":584.575,"end":590.03503,"sentiment":"neutral","sentiment_score":0.06648678794179273},{"text":"But it all comes down to what happens when they request doctor's report and what comes out in that.","start":590.44,"end":595.82,"sentiment":"neutral","sentiment_score":-0.018694120508275534},{"text":"And depending on what else is there, so you've also sort of noted there are other kidney going from the polyps.","start":596.51996,"end":602.6,"sentiment":"neutral","sentiment_score":-0.04537908941329945},{"text":"They are gonna request doctor's reports for those sorts of things and check that there's no ongoing issues.","start":602.6,"end":607.845,"sentiment":"neutral","sentiment_score":-0.02045896931344436}],"sentiment":"neutral","sentiment_score":0.019855900924374288,"num_words":107,"start":577.375,"end":607.845},{"sentences":[{"text":"If they find anything, there could be additional loadings or exclusions applied.","start":608.545,"end":612.625,"sentiment":"neutral","sentiment_score":-0.13835455973943075},{"text":"There could be a decline.","start":612.625,"end":613.845,"sentiment":"neutral","sentiment_score":-0.2614802002906799},{"text":"It's just all based on it will come down to what's in the doctor's report.","start":614.46497,"end":618.305,"sentiment":"neutral","sentiment_score":-0.09169211859504382},{"text":"So as long as, you know, there's been no major issues, you don't you you haven't had to, you know, have any test of all the sick kidney disease or the ongoing problems from the kidney stones and things like that, then hopefully, that will assess pretty well.","start":618.305,"end":633.045,"sentiment":"neutral","sentiment_score":0.04442046435239414},{"text":"But there's always an unknown aspect to what we do because we just don't see the doctor's reports.","start":633.045,"end":638.245,"sentiment":"neutral","sentiment_score":-0.27157653330100906}],"sentiment":"neutral","sentiment_score":-0.07244115109954562,"num_words":98,"start":608.545,"end":638.245},{"sentences":[{"text":"We're not allowed to request that information, and the underwriters will assess and look at that.","start":638.245,"end":642.885,"sentiment":"neutral","sentiment_score":-0.19513833057135344},{"text":"So I tried to over disclose so you can expect this is what we're expecting.","start":642.885,"end":647.065,"sentiment":"neutral","sentiment_score":-0.24931733310222626},{"text":"But we hope for a much better result for you, and we will work very closely with the underwriters and keep track of what's happening so we can kinda see what what comes out of it.","start":647.56,"end":658.06,"sentiment":"neutral","sentiment_score":0.2121556376417478},{"text":"There is always with every insurance application, there's always a risk of a decline.","start":659.16003,"end":664.045,"sentiment":"negative","sentiment_score":-0.4159102865627834},{"text":"If the doctor's report have something that hasn't been noted or the doctor's written, you know, something saying something is worse than it was or there's been other symptoms or anything that's not disclosed, then there could be there's always a risk of a decline with the policy as well.","start":664.045,"end":679.09,"sentiment":"negative","sentiment_score":-0.4433428245782852}],"sentiment":"neutral","sentiment_score":-0.20774240894172027,"num_words":131,"start":638.245,"end":679.09},{"sentences":[{"text":"So this is what we've been told we can expect, and this is still a good result.","start":679.09,"end":683.41,"sentiment":"positive","sentiment_score":0.44366295635700226},{"text":"It still gives you that level of cover you're after with life.","start":683.41,"end":686.31,"sentiment":"positive","sentiment_score":0.5366444573737681},{"text":"With the TBD, you're actually covered for a benefit of $849,007.64.","start":686.53,"end":692.95,"sentiment":"neutral","sentiment_score":0.17086481506174261},{"text":"And this sum insured for your TPD increases in little increments every year along with PCI or indexation.","start":693.175,"end":699.835,"sentiment":"neutral","sentiment_score":0.17876986331409878},{"text":"So, eventually, that will just get to the million dollar mark, and those increases don't incur any underwriting.","start":700.53503,"end":706.315,"sentiment":"neutral","sentiment_score":0.3210434234804577}],"sentiment":"neutral","sentiment_score":0.32708099834915055,"num_words":76,"start":679.09,"end":706.315},{"sentences":[{"text":"So there's no current exclusions on your TBD policy, and that benefit will just keep increasing as it goes through renewal along with CPI, and that will eventually get to the million dollar mark without any additional underwriting there.","start":706.53503,"end":720.51,"sentiment":"neutral","sentiment_score":0.32519025575274074},{"text":"But they weren't able to offer any new disability cover there.","start":720.51,"end":723.625,"sentiment":"neutral","sentiment_score":-0.09800515798005191},{"text":"So this allows you to keep increasing your TBD in smaller increments and eventually get to your goal, albeit we know at the moment we're not quite there.","start":723.625,"end":733.405,"sentiment":"neutral","sentiment_score":0.2891347405633756},{"text":"It's still only 849,000, and I'm just owning that for you as well.","start":733.625,"end":739.3,"sentiment":"neutral","sentiment_score":0.16998731459562594},{"text":"Okay?","start":739.3,"end":739.8,"sentiment":"neutral","sentiment_score":0.04707424342632294}],"sentiment":"neutral","sentiment_score":0.23866353592956843,"num_words":92,"start":706.53503,"end":739.8},{"sentences":[{"text":"With the income protection.","start":742.26,"end":743.64,"sentiment":"neutral","sentiment_score":-0.009298879653215408},{"text":"So we had a bit of a look.","start":743.78,"end":745.72003,"sentiment":"neutral","sentiment_score":-0.021455023903399706},{"text":"Based on 70% of your income, you are slightly over insured there.","start":746.02,"end":749.7,"sentiment":"neutral","sentiment_score":-0.04787908215075731},{"text":"However, if I was to go back and decrease or alter that income protection policy, if you get an increase in income and then we need to reincrease the policy, I wouldn't be able to do so because all the insurers came back saying they wouldn't offer disability cover full stuff.","start":749.7,"end":765.55,"sentiment":"neutral","sentiment_score":-0.14418686064434985},{"text":"It was a full decline.","start":765.55,"end":766.77,"sentiment":"neutral","sentiment_score":-0.29347082376480105}],"sentiment":"neutral","sentiment_score":-0.12005335884168744,"num_words":80,"start":742.26,"end":766.77},{"sentences":[{"text":"So I felt it was best to keep your income protection policy as it is.","start":767.39,"end":771.07,"sentiment":"neutral","sentiment_score":-0.007478885352611542},{"text":"It allows the increases in your income, and it means that you can claim a higher benefit if you need to.","start":771.07,"end":777.57,"sentiment":"neutral","sentiment_score":0.2043851777201607},{"text":"All b will keep you know, looking at it.","start":777.71,"end":779.52496,"sentiment":"neutral","sentiment_score":-0.019278314171565905},{"text":"If it becomes overly expensive, it's only a small amount over insured by, so it's not a huge difference.","start":779.52496,"end":786.345,"sentiment":"neutral","sentiment_score":-0.12886133201812444},{"text":"But if it became too much at any point, we absolutely would look to decrease it.","start":786.88495,"end":791.52496,"sentiment":"neutral","sentiment_score":-0.27036712877452374}],"sentiment":"neutral","sentiment_score":-0.03459798430558294,"num_words":80,"start":767.39,"end":791.52496},{"sentences":[{"text":"But for now, I'm not making any changes to the the amount you're insured for because instead, we can't increase it back if we need to, and that is a bigger risk over being over insured by a couple of $100 per month, essentially.","start":791.52496,"end":804.88,"sentiment":"neutral","sentiment_score":-0.24753832986409013},{"text":"Does that make sense?","start":805.10004,"end":806.16003,"sentiment":"neutral","sentiment_score":-0.026197181083261967},{"text":"Yep.","start":808.62,"end":809.12,"sentiment":"neutral","sentiment_score":0.11974295228719713},{"text":"Beautiful.","start":809.18,"end":809.68,"sentiment":"positive","sentiment_score":0.36079949140548706},{"text":"The total yearly premium, this is probably gonna make you swear again.","start":811.02496,"end":815.90497,"sentiment":"neutral","sentiment_score":-0.16851634408036867}],"sentiment":"neutral","sentiment_score":-0.20222788586491539,"num_words":62,"start":791.52496,"end":815.90497},{"sentences":[{"text":"I'm very sorry.","start":815.90497,"end":816.805,"sentiment":"neutral","sentiment_score":-0.31566906968752545},{"text":"When we when we be when we increase your life and add it to the TBD and the income protection because it's all kinda paid out of super there, essentially, you do have a a flexi link policy.","start":818.38495,"end":831.47,"sentiment":"neutral","sentiment_score":0.12560972502749218},{"text":"Some of it is paid out of pocket, and that will just stay exactly as it is, which is absolutely fine.","start":831.47,"end":836.05,"sentiment":"positive","sentiment_score":0.3909337988921574},{"text":"But, essentially, the total that you have for the pay this year for your policy total is about $4,817.33.","start":836.575,"end":846.515,"sentiment":"neutral","sentiment_score":0.11164866701552742},{"text":"When we look to increase the policy, the total that is expected to be paid based on the reset is $7,679.","start":846.89496,"end":856.86,"sentiment":"neutral","sentiment_score":0.06726448628164473}],"sentiment":"neutral","sentiment_score":0.15264363729340188,"num_words":102,"start":815.90497,"end":856.86},{"sentences":[{"text":"It's increasing your total insurance payment out of your super by about $2,862.","start":857.8,"end":864.51996,"sentiment":"neutral","sentiment_score":0.027523504570126534},{"text":"So it is an increased cost.","start":864.51996,"end":866.495,"sentiment":"neutral","sentiment_score":-0.0414141391714414},{"text":"It is also increasing that level of cover for life.","start":866.495,"end":869.235,"sentiment":"neutral","sentiment_score":-0.057823982834815976},{"text":"And when I weigh up the options, it is still best to do so because if you pass away, once you get that half handed over and that million dollar mortgage, this life cover would pay that out.","start":869.615,"end":880.62,"sentiment":"neutral","sentiment_score":-0.11428292850522619},{"text":"What I really kinda wanna reiterate is that what I wanna do moving forward, because I know this has an effect on your super and your overall retirement asset, is as your mortgage decreases, as your super balance increases, we look to reduce that that life cover down.","start":881.42,"end":899.405,"sentiment":"neutral","sentiment_score":0.14719922933727503}],"sentiment":"neutral","sentiment_score":0.019599066269786462,"num_words":115,"start":857.8,"end":899.405},{"sentences":[{"text":"That way we can reduce it back, keep the cost, you know, reducing over time, keep more inside your super, and just keep altering it as we need to, whether it be every year, every six months.","start":899.705,"end":912.54004,"sentiment":"neutral","sentiment_score":0.12943623436463847},{"text":"It doesn't really matter.","start":912.54004,"end":913.5,"sentiment":"neutral","sentiment_score":0.031506956554949284},{"text":"But as you pay down the mortgage, as your super balance increases, as things are working really well, we just decrease that life cover back so that it's covering the mortgage or what you need to cover, but that way, you know, readjusting the cost of it to keep you super working as hard as possible as well.","start":913.5,"end":930.685,"sentiment":"neutral","sentiment_score":0.02930575310541638},{"text":"Does that make sense?","start":930.685,"end":931.745,"sentiment":"neutral","sentiment_score":0.0863519012928009},{"text":"Yes.","start":934.685,"end":935.185,"sentiment":"neutral","sentiment_score":0.21891742944717407}],"sentiment":"neutral","sentiment_score":0.06903103088888411,"num_words":104,"start":899.705,"end":935.185},{"sentences":[{"text":"And go for it.","start":935.885,"end":936.60504,"sentiment":"neutral","sentiment_score":0.2817229703068733},{"text":"Say whatever you need to.","start":936.60504,"end":937.72504,"sentiment":"neutral","sentiment_score":0.2232494980096817},{"text":"If you wanna swear, you're fine.","start":937.72504,"end":939.39,"sentiment":"neutral","sentiment_score":0.17584575712680817},{"text":"You just fine.","start":939.39,"end":939.87,"sentiment":"neutral","sentiment_score":0.24848636984825134},{"text":"I understand it.","start":939.87,"end":941.73004,"sentiment":"neutral","sentiment_score":0.10759900758663814}],"sentiment":"neutral","sentiment_score":0.2079271450638771,"num_words":21,"start":935.885,"end":941.73004},{"sentences":[{"text":"Mhmm.","start":950.59,"end":951.09,"sentiment":"neutral","sentiment_score":-0.0709112286567688},{"text":"Well, not not too not too bad at all because, realistically, it's still putting you in front.","start":966.705,"end":977.17004,"sentiment":"neutral","sentiment_score":0.21493934292127104},{"text":"So the other thing is we're going to once you've we have to basically do it to be increase your life insurance first.","start":977.23004,"end":983.735,"sentiment":"neutral","sentiment_score":0.20745614980873855},{"text":"That way, you've got your million dollar cover.","start":983.735,"end":985.595,"sentiment":"neutral","sentiment_score":0.27531130239367485},{"text":"And then we can still remember last time we talked about transferring that policy over?","start":985.89496,"end":990.375,"sentiment":"neutral","sentiment_score":0.044341431682308516}],"sentiment":"neutral","sentiment_score":0.17534626470296644,"num_words":64,"start":950.59,"end":990.375},{"sentences":[{"text":"So it transferred from Asgard into Hub twenty four and paid out of your Hub twenty four account.","start":990.375,"end":995.415,"sentiment":"neutral","sentiment_score":0.0889569812764724},{"text":"That allows us to consolidate the two.","start":995.415,"end":997.29004,"sentiment":"neutral","sentiment_score":0.11312361487320491},{"text":"Do you remember going through that?","start":997.29004,"end":998.67004,"sentiment":"neutral","sentiment_score":0.03026978299021721},{"text":"Yes.","start":999.45,"end":999.85004,"sentiment":"positive","sentiment_score":0.3753014802932739},{"text":"Beautiful.","start":999.85004,"end":1000.35004,"sentiment":"positive","sentiment_score":0.6912971138954163}],"sentiment":"neutral","sentiment_score":0.1103426745217858,"num_words":33,"start":990.375,"end":1000.35004},{"sentences":[{"text":"So we're still gonna be able to do that, which means that we'll the way it has to work is we increase the life first, then we do the transfer, and then we can look to consolidate your super fund.","start":1000.97003,"end":1012.59503,"sentiment":"positive","sentiment_score":0.3977725900709629},{"text":"Essentially, once we consolidate everything, you'll actually save about $398 in administration fees because you'll go from having two funds to one.","start":1012.97504,"end":1022.755,"sentiment":"positive","sentiment_score":0.44058677689595654},{"text":"I'm also readjusting the portfolio for you, and it's actually gonna save you about $262.","start":1023.47,"end":1030.2899,"sentiment":"positive","sentiment_score":0.47205061515172325},{"text":"And then I also had a bit of a look at the way you invested with your portfolio.","start":1030.9099,"end":1035.33,"sentiment":"neutral","sentiment_score":0.1887007173564699},{"text":"We kinda talked a bit before last time about being in that growth environment there.","start":1036.095,"end":1040.1749,"sentiment":"neutral","sentiment_score":0.11185615981618563}],"sentiment":"positive","sentiment_score":0.3432638839225877,"num_words":110,"start":1000.97003,"end":1040.1749},{"sentences":[{"text":"When I kind of went back and looked at how you were invested, between your funds, you're actually in more of that high growth environment.","start":1040.1749,"end":1047.155,"sentiment":"neutral","sentiment_score":0.13653446793556212},{"text":"So 90% in those growth assets, so Australian, national shares, property, and commodities, and then also 10% low risk defensive investment.","start":1047.455,"end":1058.08,"sentiment":"neutral","sentiment_score":0.14424910006069003},{"text":"I'm also recommending that we stay high growth, that we don't go lower risk, that we stay high growth because as much as you're taking more risk by being in that high growth environment, one of the things we talked about was how you would feel in a market shift, how you would would you put more money in, take advantage of that downtime.","start":1058.62,"end":1076.355,"sentiment":"neutral","sentiment_score":0.18060606252402067},{"text":"And because you are still so young, you've got a lot of time before you can access super, we can take a bit more risk in the market.","start":1076.415,"end":1083.21,"sentiment":"neutral","sentiment_score":0.11839402227529458},{"text":"We can this allows us to take advantage of potential greater returns, so the market is doing really well.","start":1083.59,"end":1089.45,"sentiment":"positive","sentiment_score":0.430170382324018}],"sentiment":"neutral","sentiment_score":0.1878321699940475,"num_words":157,"start":1040.1749,"end":1089.45},{"sentences":[{"text":"And I think being in that high growth environment, given your age or stage, we kind of need that to try and get those greater potential returns to try and make sure that we're mitigating some of the increase in the insurance policy as well.","start":1089.59,"end":1101.485,"sentiment":"neutral","sentiment_score":0.16482408146063487},{"text":"Does that make sense?","start":1101.485,"end":1102.625,"sentiment":"neutral","sentiment_score":0.14048171788454056},{"text":"Yeah.","start":1104.9249,"end":1105.405,"sentiment":"neutral","sentiment_score":0.24309518933296204},{"text":"Perfect.","start":1105.405,"end":1105.905,"sentiment":"positive","sentiment_score":0.5332105159759521},{"text":"Do you agree with that?","start":1105.965,"end":1107.085,"sentiment":"neutral","sentiment_score":0.2566476136445999}],"sentiment":"neutral","sentiment_score":0.17925989840711867,"num_words":56,"start":1089.59,"end":1107.085},{"sentences":[{"text":"If you don't, that's okay.","start":1107.085,"end":1108.5449,"sentiment":"neutral","sentiment_score":-0.0780371256172657},{"text":"Yep.","start":1111.89,"end":1112.39,"sentiment":"neutral","sentiment_score":0.02256603166460991},{"text":"Yeah.","start":1115.81,"end":1116.31,"sentiment":"neutral","sentiment_score":-0.005778041202574968},{"text":"You're younger than me.","start":1116.45,"end":1117.75,"sentiment":"neutral","sentiment_score":-0.023017453495413065},{"text":"Yeah.","start":1118.85,"end":1119.35,"sentiment":"neutral","sentiment_score":0.0023332322016358376}],"sentiment":"neutral","sentiment_score":-0.0385945182836925,"num_words":12,"start":1107.085,"end":1119.35},{"sentences":[{"text":"You're younger than me.","start":1119.73,"end":1121.03,"sentiment":"neutral","sentiment_score":-0.02181468950584531},{"text":"Yeah.","start":1123.97,"end":1124.47,"sentiment":"neutral","sentiment_score":-0.03372855857014656},{"text":"No.","start":1125.5751,"end":1126.0751,"sentiment":"neutral","sentiment_score":-0.1891975849866867},{"text":"I'm good.","start":1126.135,"end":1126.615,"sentiment":"neutral","sentiment_score":-0.051601482555270195},{"text":"You are younger than me.","start":1126.615,"end":1127.655,"sentiment":"neutral","sentiment_score":0.025087603926658632}],"sentiment":"neutral","sentiment_score":-0.022149988235189363,"num_words":13,"start":1119.73,"end":1127.655},{"sentences":[{"text":"I look at everyone's birthday and I guess, yeah, you're younger than me, so it's okay.","start":1127.655,"end":1131.355,"sentiment":"neutral","sentiment_score":0.05589304817840457},{"text":"No.","start":1132.535,"end":1132.6951,"sentiment":"neutral","sentiment_score":0.02033088728785515},{"text":"Look.","start":1132.6951,"end":1133.015,"sentiment":"neutral","sentiment_score":0.12461571395397186},{"text":"I I have no problems with my age.","start":1133.015,"end":1134.935,"sentiment":"neutral","sentiment_score":0.18935455475002527},{"text":"I've worked very hard, and I actually kind of enjoy my forties.","start":1134.935,"end":1138.155,"sentiment":"positive","sentiment_score":0.46958936005830765}],"sentiment":"neutral","sentiment_score":0.21550379291568933,"num_words":38,"start":1127.655,"end":1138.155},{"sentences":[{"text":"It's kind of like my time.","start":1138.535,"end":1140.44,"sentiment":"neutral","sentiment_score":0.2442931830883026},{"text":"But I'm actually 42 this year, so I'm actually older than you.","start":1140.98,"end":1145.5599,"sentiment":"neutral","sentiment_score":0.04466345844169458},{"text":"Hopefully, that makes you feel good.","start":1147.5399,"end":1149.32,"sentiment":"neutral","sentiment_score":0.2637246822317441},{"text":"But, like, I have very similar time horizon to what you have.","start":1151.14,"end":1154.6599,"sentiment":"neutral","sentiment_score":0.15286057442426682},{"text":"So, realistically, six is the earliest we can access super, and taking on a bit more risk now to get those greater potential returns is really good, especially when we know it's gonna be a higher insurance cost, taking advantage of those higher returns to try and mitigate some of that insurance costs, and also lowering the cost of your portfolio, saving on admin fees, saving on investment fees.","start":1154.6599,"end":1178.21,"sentiment":"positive","sentiment_score":0.3535332301820534}],"sentiment":"neutral","sentiment_score":0.2839256044654619,"num_words":105,"start":1138.535,"end":1178.21},{"sentences":[{"text":"Just by saving on the admin fees and the investment fees alone, so 398 for admin fees by consolidating and $2.62 in admin fees.","start":1178.91,"end":1187.735,"sentiment":"positive","sentiment_score":0.4095977420608203},{"text":"You're saving about $660 for the year, and that compounded board over the next five to ten years can have a pretty greater effect on your super there.","start":1187.735,"end":1196.3949,"sentiment":"positive","sentiment_score":0.5232359298637935},{"text":"Yep.","start":1198.855,"end":1199.355,"sentiment":"neutral","sentiment_score":0.2963883578777313},{"text":"All good.","start":1199.94,"end":1200.5,"sentiment":"positive","sentiment_score":0.5362309217453003},{"text":"I'm also recommending that we do start salary sacrificing that $50 per week.","start":1200.5,"end":1205.14,"sentiment":"neutral","sentiment_score":0.17364314313118273}],"sentiment":"positive","sentiment_score":0.41334063099587665,"num_words":68,"start":1178.91,"end":1205.14},{"sentences":[{"text":"We'll start with that.","start":1205.14,"end":1206.44,"sentiment":"neutral","sentiment_score":0.11038629547692835},{"text":"If we find that the mortgage isn't decreasing, that we need to keep the insurance level a bit higher for a bit longer, we can always look to increase salary sacrifice as well, increase what we're putting into the super fund to try and help mitigate off some of that insurance premium for you as well.","start":1206.8999,"end":1222.095,"sentiment":"neutral","sentiment_score":0.056107911347810714},{"text":"Okay?","start":1222.095,"end":1222.595,"sentiment":"neutral","sentiment_score":0.16222411394119263},{"text":"By doing that $50 per week will help to provide a greater benefit.","start":1223.775,"end":1227.875,"sentiment":"positive","sentiment_score":0.3970837157506209},{"text":"And, essentially, when I sort of looked at the way the portfolios were working, Ben along had a huge part in, you know, reducing a lot of the portfolio and how that was performing for you for this year.","start":1228.6101,"end":1240.39,"sentiment":"neutral","sentiment_score":-0.15639097224443388}],"sentiment":"neutral","sentiment_score":0.024855333792490768,"num_words":113,"start":1205.14,"end":1240.39},{"sentences":[{"text":"But when we kind of average out the BT fund and the HUB twenty four fund, it's only really been getting about a 4% return, which is dismal and terrible.","start":1240.905,"end":1249.5651,"sentiment":"negative","sentiment_score":-0.3660834943254789},{"text":"When we look at the newer portfolio that I wanna put you in, and you'll be able to see that when you see the document there, It's averaged about a 14.26% when we look at a three year rolling average.","start":1250.185,"end":1261.28,"sentiment":"neutral","sentiment_score":-0.09181270310655236},{"text":"So this high growth environment has so are you at what?","start":1261.28,"end":1269.255,"sentiment":"neutral","sentiment_score":-0.08904332803054289},{"text":"Your it's 14.26 over the past three years is averaged.","start":1271.095,"end":1275.675,"sentiment":"neutral","sentiment_score":-0.10669762194156647},{"text":"Yeah.","start":1277.975,"end":1278.455,"sentiment":"neutral","sentiment_score":0.21711812913417816}],"sentiment":"neutral","sentiment_score":-0.17917769187656435,"num_words":92,"start":1240.905,"end":1278.455},{"sentences":[{"text":"So it's I I a 100% agree with you.","start":1278.455,"end":1283.47,"sentiment":"positive","sentiment_score":0.3548329869906108},{"text":"I'll be honest, and I'm very honest with everything.","start":1283.47,"end":1285.73,"sentiment":"neutral","sentiment_score":0.24715156190925175},{"text":"I do not think you're gonna get 48% every year.","start":1285.7899,"end":1288.7699,"sentiment":"neutral","sentiment_score":0.03886793404817581},{"text":"However, this sort of portfolio does have a greater potential return to achieve close to that or, you know, even in the high growth environment, even if you're able to obtain, you know, eight to 10 or 10 to 12% return compounding that forward over the next sort of three to five, even ten years, that puts your super in a much greater position.","start":1288.9099,"end":1308.8451,"sentiment":"neutral","sentiment_score":0.32370305294170976},{"text":"And then saving on fees and having one fund rather than two, that also provides a greater benefit long term for you as well.","start":1308.8451,"end":1316.1,"sentiment":"positive","sentiment_score":0.45918477574984234}],"sentiment":"neutral","sentiment_score":0.3236549162659152,"num_words":116,"start":1278.455,"end":1316.1},{"sentences":[{"text":"Okay.","start":1316.1,"end":1316.6,"sentiment":"neutral","sentiment_score":0.23279276490211487},{"text":"Beautiful.","start":1319.14,"end":1319.64,"sentiment":"positive","sentiment_score":0.5539589524269104},{"text":"This superfund.","start":1321.06,"end":1322.92,"sentiment":"positive","sentiment_score":0.4338543564081192},{"text":"This I'll try to keep fairly brief because you'll be able to have a look at this on page 22.","start":1323.22,"end":1328.12,"sentiment":"neutral","sentiment_score":0.21325156092643738},{"text":"But, essentially, within your fund, we are removing the ban along Australian equities completely that was providing a a really dismal return.","start":1328.755,"end":1336.835,"sentiment":"negative","sentiment_score":-0.5503424507650462}],"sentiment":"neutral","sentiment_score":-0.13452265800341315,"num_words":46,"start":1316.1,"end":1336.835},{"sentences":[{"text":"They haven't formed, and we're removing that out ASAP.","start":1336.835,"end":1340.135,"sentiment":"negative","sentiment_score":-0.5108980437119802},{"text":"We are also selling off oh, yes.","start":1341.4401,"end":1351.54,"sentiment":"neutral","sentiment_score":-0.06962017608540398},{"text":"Yeah.","start":1351.76,"end":1352.08,"sentiment":"neutral","sentiment_score":-0.11120916903018951},{"text":"No.","start":1352.08,"end":1352.58,"sentiment":"neutral","sentiment_score":-0.26160407066345215},{"text":"We kind of have to until we change the the portfolio.","start":1352.975,"end":1355.875,"sentiment":"neutral","sentiment_score":-0.21780109270052475}],"sentiment":"neutral","sentiment_score":-0.2708292719105194,"num_words":29,"start":1336.835,"end":1355.875},{"sentences":[{"text":"So what happens is we as per your last statement of advice, that is essentially what we have to buy into.","start":1356.095,"end":1362.355,"sentiment":"neutral","sentiment_score":-0.06094019576197579},{"text":"It's what recommended on your on your super fund.","start":1363.055,"end":1366.83,"sentiment":"neutral","sentiment_score":-0.034413610067632466},{"text":"Until we make these changes in there and you agree to this, we we continue to do that unless you sign a document that says we we stop doing it.","start":1366.99,"end":1375.71,"sentiment":"neutral","sentiment_score":-0.10484728378554185},{"text":"The good news is it wasn't a huge buy in.","start":1375.71,"end":1378.37,"sentiment":"neutral","sentiment_score":0.10056665726006031},{"text":"It was been a long thing down.","start":1378.59,"end":1380.2899,"sentiment":"neutral","sentiment_score":-0.10272465167301041}],"sentiment":"neutral","sentiment_score":-0.05777001434138843,"num_words":77,"start":1356.095,"end":1380.2899},{"sentences":[{"text":"Hopefully, you take a bit of an advantage of that.","start":1381.3099,"end":1386.575,"sentiment":"neutral","sentiment_score":-0.00018819868564605644},{"text":"So but no.","start":1387.535,"end":1389.795,"sentiment":"neutral","sentiment_score":-0.051236008604367576},{"text":"It's all good.","start":1389.795,"end":1390.435,"sentiment":"neutral","sentiment_score":0.01664164662361145},{"text":"So we're gonna sell off Benelon.","start":1390.435,"end":1392.055,"sentiment":"neutral","sentiment_score":-0.0015028174966573715},{"text":"I am removing the battery unless the insect has been a bit volatile this year, and I'm looking to alter and reduce the risk level of well, not the overall risk level, but kind of reduce the cost as well as the, you know, the volatility within your portfolio.","start":1392.675,"end":1407.36,"sentiment":"neutral","sentiment_score":-0.06845503680560054}],"sentiment":"neutral","sentiment_score":-0.048858856073987315,"num_words":71,"start":1381.3099,"end":1407.36},{"sentences":[{"text":"ACDC and battery and lithium tech have had ups and downs.","start":1408.2999,"end":1411.815,"sentiment":"neutral","sentiment_score":-0.16385303302244705},{"text":"It is very volatile, and this year has not seen great returns.","start":1411.815,"end":1415.595,"sentiment":"neutral","sentiment_score":-0.286275705943505},{"text":"So we wanna remove that for you completely.","start":1415.975,"end":1418.155,"sentiment":"neutral","sentiment_score":-0.08743992354720831},{"text":"Global agriculture is not a bad investment but hasn't been doing very well.","start":1419.415,"end":1425.29,"sentiment":"neutral","sentiment_score":-0.20793755581745735},{"text":"So we wanna kinda remove that from your portfolio.","start":1425.29,"end":1427.79,"sentiment":"neutral","sentiment_score":-0.1348313039375676}],"sentiment":"neutral","sentiment_score":-0.18592228649078674,"num_words":53,"start":1408.2999,"end":1427.79},{"sentences":[{"text":"We'll sell all of that off.","start":1427.93,"end":1429.05,"sentiment":"neutral","sentiment_score":-0.09739867473642032},{"text":"You only have 1.80% in your portfolio.","start":1429.05,"end":1432.1101,"sentiment":"neutral","sentiment_score":-0.047921174338885715},{"text":"Very small amount to hold.","start":1432.65,"end":1434.27,"sentiment":"neutral","sentiment_score":-0.0462955467402935},{"text":"So we're just gonna remove that from your portfolio there as well.","start":1434.3301,"end":1437.63,"sentiment":"neutral","sentiment_score":-0.05061220036198696},{"text":"You also have the beta share cybersecurity, and this is giving you exposure to global cybersecurity.","start":1438.435,"end":1444.295,"sentiment":"neutral","sentiment_score":-0.0019820156740024686}],"sentiment":"neutral","sentiment_score":-0.03892123168739288,"num_words":46,"start":1427.93,"end":1444.295},{"sentences":[{"text":"So it is really good for risk mitigation because you're, you know, going over the entire globe.","start":1444.675,"end":1451.49,"sentiment":"positive","sentiment_score":0.6027287577881533},{"text":"You're spreading your risk level globally with that cybersecurity side of things and moving forward with everything that everyone's going through.","start":1451.49,"end":1458.4701,"sentiment":"positive","sentiment_score":0.4090932465734936},{"text":"Cybersecurity is a huge area to kind of build on.","start":1458.93,"end":1462.2101,"sentiment":"neutral","sentiment_score":0.17081557363271713},{"text":"So you've got about 5.5% there now.","start":1462.2101,"end":1465.235,"sentiment":"neutral","sentiment_score":0.13258822155850275},{"text":"We wanna hold 7% in this portfolio, so it's buying into a bit of that for you.","start":1465.235,"end":1470.375,"sentiment":"neutral","sentiment_score":0.27467478987048655}],"sentiment":"positive","sentiment_score":0.36309849688162404,"num_words":72,"start":1444.675,"end":1470.375},{"sentences":[{"text":"We've also got the Asia and European exposure.","start":1471.7949,"end":1475.1749,"sentiment":"neutral","sentiment_score":0.028971037594601512},{"text":"We do still wanna keep those kind of exposures, but these are more somatic ETFs.","start":1475.875,"end":1480.4801,"sentiment":"neutral","sentiment_score":0.02448825091123581},{"text":"They have done really well, but we've got essentially a better way to kind of hold those sorts of investments and a cheaper way to hold those investments while still giving you exposure to them.","start":1481.18,"end":1491.855,"sentiment":"neutral","sentiment_score":0.06607887063707624},{"text":"So we're gonna sell those two ETFs down to zero and remove them completely.","start":1491.855,"end":1496.275,"sentiment":"neutral","sentiment_score":-0.13954076170921326},{"text":"You've got the S and P 500 in there at the moment.","start":1497.855,"end":1501.215,"sentiment":"neutral","sentiment_score":0.010133307116727034}],"sentiment":"neutral","sentiment_score":0.012855732835651864,"num_words":84,"start":1471.7949,"end":1501.215},{"sentences":[{"text":"You've got about 21.90%.","start":1501.215,"end":1504.8151,"sentiment":"neutral","sentiment_score":0.08263743110001087},{"text":"You wanna keep the S and P 500.","start":1504.8151,"end":1507.34,"sentiment":"neutral","sentiment_score":0.1244722893461585},{"text":"It has been performing well, has seen volatility, but we wanna keep that as we see quite a good amount of growth in international equities.","start":1507.34,"end":1514.5599,"sentiment":"neutral","sentiment_score":0.21353596687316895},{"text":"So we're gonna increase that to 25%.","start":1515.1,"end":1517.6,"sentiment":"neutral","sentiment_score":0.20500754032816207},{"text":"Other areas that we're going to keep are global cyber sorry.","start":1519.245,"end":1523.245,"sentiment":"neutral","sentiment_score":0.00716270688413219}],"sentiment":"neutral","sentiment_score":0.1487012685276568,"num_words":55,"start":1501.215,"end":1523.245},{"sentences":[{"text":"Global health care.","start":1523.245,"end":1524.125,"sentiment":"neutral","sentiment_score":0.03508260970314344},{"text":"Health care is still a really good area to hold, and, again, it's global.","start":1524.125,"end":1527.165,"sentiment":"neutral","sentiment_score":0.17892798941050256},{"text":"So spreading your risk level across the globe.","start":1527.165,"end":1529.745,"sentiment":"neutral","sentiment_score":0.20590804144740105},{"text":"Even being in a high growth environment, you still wanna mitigate what what risk you can.","start":1530.125,"end":1535.12,"sentiment":"neutral","sentiment_score":0.16598035022616386},{"text":"You want good return, mitigate as much possible risk as possible.","start":1535.12,"end":1539.36,"sentiment":"neutral","sentiment_score":0.2801608754829927}],"sentiment":"neutral","sentiment_score":0.19221075473783109,"num_words":52,"start":1523.245,"end":1539.36},{"sentences":[{"text":"We can never reduce it completely, but we can utilize what schools we have to mitigate as much as humanly possible.","start":1539.36,"end":1545.94,"sentiment":"neutral","sentiment_score":0.10806142290433247},{"text":"You have about two percent in global health care.","start":1546.395,"end":1549.275,"sentiment":"neutral","sentiment_score":0.0884457098113166},{"text":"You're a bit underweighted at the moment, so we're gonna bring that up to 7%.","start":1549.275,"end":1553.135,"sentiment":"neutral","sentiment_score":-0.016142734450598557},{"text":"You've got the diversified Vanguard index.","start":1554.635,"end":1558.015,"sentiment":"neutral","sentiment_score":0.04370717269678911},{"text":"This is kind of a mix of growth and defensive index.","start":1558.475,"end":1561.62,"sentiment":"neutral","sentiment_score":0.048803785985166374}],"sentiment":"neutral","sentiment_score":0.05842330539599061,"num_words":62,"start":1539.36,"end":1561.62},{"sentences":[{"text":"Hasn't growth and defensive investments hasn't really performed the way we wanted it to this year, so we're gonna remove that from your portfolio.","start":1561.62,"end":1568.76,"sentiment":"neutral","sentiment_score":-0.1503724887346228},{"text":"We are gonna see some exposure increase into India.","start":1569.86,"end":1573.46,"sentiment":"neutral","sentiment_score":-0.016884222626686096},{"text":"We don't have any at the moment.","start":1573.46,"end":1574.8099,"sentiment":"neutral","sentiment_score":-0.16606384728636062},{"text":"It has seen some good growth, so we're gonna keep that.","start":1574.8099,"end":1577.605,"sentiment":"positive","sentiment_score":0.5921732837503607},{"text":"We wanna have about 7% in there, so we're gonna buy some India exposure.","start":1577.985,"end":1582.645,"sentiment":"neutral","sentiment_score":0.23112703008311136}],"sentiment":"neutral","sentiment_score":0.07425138274064431,"num_words":65,"start":1561.62,"end":1582.645},{"sentences":[{"text":"You have the beta shares Rafi two hundred.","start":1584.065,"end":1587.4249,"sentiment":"neutral","sentiment_score":0.1820013914257288},{"text":"This is giving you exposure into Australian equity.","start":1587.4249,"end":1590.1649,"sentiment":"neutral","sentiment_score":0.2465869840234518},{"text":"We've found a cheaper way to hold Australian equities and give you the exposure needed.","start":1590.66,"end":1594.8201,"sentiment":"neutral","sentiment_score":0.2740253736575445},{"text":"So we're gonna sell off the Raffi as well as the Benelon and move the exposure into the beta shares a 200.","start":1594.8201,"end":1601.24,"sentiment":"neutral","sentiment_score":0.10878967053510925},{"text":"Holding the a 200 means you hold one investment giving you exposure in the top 200 companies on the ASX, holding around about 10% of that investment there.","start":1602.02,"end":1612.255,"sentiment":"neutral","sentiment_score":0.10503365738051278}],"sentiment":"neutral","sentiment_score":0.15893089835658486,"num_words":81,"start":1584.065,"end":1612.255},{"sentences":[{"text":"And oh, actually, sorry.","start":1613.435,"end":1614.9551,"sentiment":"neutral","sentiment_score":-0.004965522326529026},{"text":"My bad.","start":1614.9551,"end":1615.6951,"sentiment":"neutral","sentiment_score":-0.12886009365320206},{"text":"We're actually buying some more of the Rafi.","start":1615.915,"end":1617.755,"sentiment":"neutral","sentiment_score":-0.05014339089393616},{"text":"My apologies.","start":1617.755,"end":1618.495,"sentiment":"neutral","sentiment_score":-0.11290499567985535},{"text":"We don't have the Rafi.","start":1618.795,"end":1619.835,"sentiment":"neutral","sentiment_score":-0.084421706199646}],"sentiment":"neutral","sentiment_score":-0.06317371076771192,"num_words":21,"start":1613.435,"end":1619.835},{"sentences":[{"text":"We're buying into the Rafi.","start":1619.835,"end":1621.375,"sentiment":"neutral","sentiment_score":-0.004613896645605564},{"text":"We wanna hold 15% of the Rafi and 10 of Australians a 200 so that you do have about 35 sorry, 25% in Australian equities.","start":1621.63,"end":1630.61,"sentiment":"neutral","sentiment_score":0.03564459915272891},{"text":"We were getting rid of the Rafi out of this portfolio, but it looks like we're gonna keep it in there, which is good.","start":1631.7899,"end":1636.545,"sentiment":"neutral","sentiment_score":0.09603818371457844},{"text":"Essentially, Australian equities, we do wanna hold some of, but we don't tend to hold as much as global international equities because it tends to we tend to follow suit.","start":1637.505,"end":1649.045,"sentiment":"neutral","sentiment_score":0.07656170291205247},{"text":"Our country is very much the little brother of The US and some of the bigger countries out there, and we tend to follow suit exactly.","start":1649.5851,"end":1658.3999,"sentiment":"neutral","sentiment_score":0.11543281920827352}],"sentiment":"neutral","sentiment_score":0.0770096935592433,"num_words":110,"start":1619.835,"end":1658.3999},{"sentences":[{"text":"So we hold just as much, not quite as much as the international side of things, but having access to Australian equity still sees good returns.","start":1658.3999,"end":1666.825,"sentiment":"neutral","sentiment_score":0.231079996491854},{"text":"The BetaShares a two hundred is actually one of those best that pays out dividends, which is really cool.","start":1668.0049,"end":1673.625,"sentiment":"positive","sentiment_score":0.51044121541475},{"text":"Those dividends are some of the highest for Australian equities, and they're paid into your cash account, which is used for compounding effect.","start":1674.085,"end":1680.71,"sentiment":"positive","sentiment_score":0.35118938982486725},{"text":"So I wanted to make sure we created that for you.","start":1680.71,"end":1683.4299,"sentiment":"neutral","sentiment_score":0.2655345418236472},{"text":"Okay?","start":1683.4299,"end":1683.9299,"sentiment":"neutral","sentiment_score":0.19030529260635376}],"sentiment":"positive","sentiment_score":0.33618755275383594,"num_words":80,"start":1658.3999,"end":1683.9299},{"sentences":[{"text":"You've also got the JPMorgan Global Research Enhanced Equity Fund.","start":1685.19,"end":1689.51,"sentiment":"neutral","sentiment_score":0.2301236018538475},{"text":"This is a new inclusion in your portfolio.","start":1689.51,"end":1691.61,"sentiment":"positive","sentiment_score":0.3764413073658943},{"text":"I really do actually like this investment.","start":1692.5499,"end":1694.4099,"sentiment":"positive","sentiment_score":0.7039441210883004},{"text":"With this one so we talked about last time about replacing Van Along.","start":1695.7251,"end":1700.525,"sentiment":"neutral","sentiment_score":0.029590980937847726},{"text":"It wasn't performing very well.","start":1700.525,"end":1702.045,"sentiment":"neutral","sentiment_score":-0.24835276752710342}],"sentiment":"neutral","sentiment_score":0.21821614510791246,"num_words":43,"start":1685.19,"end":1702.045},{"sentences":[{"text":"You wanted to, like, look at the lower cost side of your portfolio to kind of reduce cost where possible, but also wanted a little bit of active management in there to take advantage of that where where we could.","start":1702.045,"end":1712.9099,"sentiment":"neutral","sentiment_score":0.2552606247365475},{"text":"And this investment essentially does that.","start":1713.0499,"end":1714.8899,"sentiment":"positive","sentiment_score":0.34761490921179455},{"text":"The JPMorgan Global Research Enhanced Equity Fund gives you exposure globally to help with diversification.","start":1714.8899,"end":1720.6699,"sentiment":"neutral","sentiment_score":0.3178873986005783},{"text":"It is a small component active, so that 10 to 15% actively managed by dating more than three search teams.","start":1721.955,"end":1728.375,"sentiment":"neutral","sentiment_score":0.21748678609728814},{"text":"It gives you exposure to the whole globe, essentially, and any areas that they see additional growth in.","start":1728.755,"end":1735.14,"sentiment":"neutral","sentiment_score":0.278375248114268}],"sentiment":"neutral","sentiment_score":0.26691833951256494,"num_words":99,"start":1702.045,"end":1735.14},{"sentences":[{"text":"It has done really well.","start":1735.22,"end":1736.58,"sentiment":"positive","sentiment_score":0.7430227875709534},{"text":"I do like this investment, and we're holding about 15% of this one in your portfolio.","start":1736.58,"end":1741.72,"sentiment":"positive","sentiment_score":0.71349823102355},{"text":"So it's essentially a low cost fund, giving you some active management in there and has performed really well, but it's also helping to reduce the overall cost of your portfolio, which I do like as well.","start":1741.78,"end":1752.675,"sentiment":"positive","sentiment_score":0.6656791148958979},{"text":"Okay.","start":1752.675,"end":1753.175,"sentiment":"positive","sentiment_score":0.37633928656578064},{"text":"The last two are physical gold and the core composite bonds.","start":1755.955,"end":1759.3151,"sentiment":"neutral","sentiment_score":0.2475460713559931}],"sentiment":"positive","sentiment_score":0.6122936993837357,"num_words":70,"start":1735.22,"end":1759.3151},{"sentences":[{"text":"We all love a little bit of gold.","start":1759.3151,"end":1760.915,"sentiment":"positive","sentiment_score":0.5191425867378712},{"text":"I definitely do.","start":1760.915,"end":1762.115,"sentiment":"positive","sentiment_score":0.5235745112101237},{"text":"We're adding gold into your portfolio.","start":1762.115,"end":1763.975,"sentiment":"positive","sentiment_score":0.39330435295899707},{"text":"The physical gold will hold about 7%.","start":1764.32,"end":1766.9,"sentiment":"neutral","sentiment_score":0.27333687458719524},{"text":"And then core composite funds, these are defensive low risk investments, essentially, with core composite funds.","start":1767.6,"end":1774.02,"sentiment":"neutral","sentiment_score":0.23666950315237045}],"sentiment":"positive","sentiment_score":0.3445940129458904,"num_words":40,"start":1759.3151,"end":1774.02},{"sentences":[{"text":"It's giving you exposure to government and corporate bonds, really good for income producing.","start":1774.64,"end":1778.82,"sentiment":"positive","sentiment_score":0.48215642145701815},{"text":"And it also has some international certification into bank notes and other fixed interest areas, which is kind of really cool as well.","start":1779.655,"end":1786.455,"sentiment":"positive","sentiment_score":0.4175801018010015},{"text":"So that essentially makes a good portfolio.","start":1786.455,"end":1788.795,"sentiment":"positive","sentiment_score":0.4239224834101541},{"text":"I'm really sorry.","start":1788.935,"end":1789.895,"sentiment":"neutral","sentiment_score":-0.14551186064879099},{"text":"It's kind of it's not easy when you're not looking at the investments, and I try to sort of take it as easy as possible.","start":1789.895,"end":1791.3241,"sentiment":"neutral","sentiment_score":-0.1291285765171051}],"sentiment":"neutral","sentiment_score":0.21746166153914398,"num_words":72,"start":1774.64,"end":1791.3241},{"sentences":[{"text":"But if you have any and I try to sort of take it as easy as possible.","start":1791.3241,"end":1795.66,"sentiment":"neutral","sentiment_score":0.061131734839257074},{"text":"But do you have any questions in relation to any of that?","start":1796.12,"end":1798.78,"sentiment":"neutral","sentiment_score":0.002597806820025047},{"text":"Oh, perfect.","start":1803.64,"end":1804.36,"sentiment":"neutral","sentiment_score":0.10768125206232071},{"text":"It's on page twenty two and twenty three.","start":1804.36,"end":1806.7001,"sentiment":"neutral","sentiment_score":0.04635178064927459},{"text":"Yeah.","start":1810.285,"end":1810.605,"sentiment":"neutral","sentiment_score":0.026649467647075653}],"sentiment":"neutral","sentiment_score":0.042080984776839615,"num_words":40,"start":1791.3241,"end":1810.605},{"sentences":[{"text":"Yep.","start":1810.605,"end":1811.005,"sentiment":"neutral","sentiment_score":0.025610994547605515},{"text":"Page twenty two and twenty three.","start":1811.005,"end":1812.765,"sentiment":"neutral","sentiment_score":0.019890643966694672},{"text":"Yeah.","start":1812.765,"end":1813.265,"sentiment":"neutral","sentiment_score":0.0014937277883291245},{"text":"No.","start":1816.925,"end":1817.425,"sentiment":"neutral","sentiment_score":-0.07277972251176834},{"text":"You're fine.","start":1817.885,"end":1818.705,"sentiment":"neutral","sentiment_score":-0.06406399235129356}],"sentiment":"neutral","sentiment_score":-0.004950829188932072,"num_words":11,"start":1810.605,"end":1818.705},{"sentences":[{"text":"Oh, yeah.","start":1823.5,"end":1824.16,"sentiment":"neutral","sentiment_score":-0.03775896690785885},{"text":"That's the PDF.","start":1824.38,"end":1825.44,"sentiment":"neutral","sentiment_score":-0.024935475861032803},{"text":"Yeah.","start":1827.1799,"end":1827.4199,"sentiment":"neutral","sentiment_score":-0.010689424350857736},{"text":"That's the product disclosure statement.","start":1827.4199,"end":1829.44,"sentiment":"neutral","sentiment_score":0.21579678654670714},{"text":"So I have to give that to you.","start":1829.74,"end":1831.26,"sentiment":"neutral","sentiment_score":0.2745017632842064}],"sentiment":"neutral","sentiment_score":0.1638939080661849,"num_words":19,"start":1823.5,"end":1831.26},{"sentences":[{"text":"If you like reading and you wanna run your eyes over that one, absolutely happy to do so, But not everyone's that interested in PDF.","start":1831.26,"end":1845.405,"sentiment":"positive","sentiment_score":0.3427336906641722},{"text":"That's a lot of pages.","start":1847.405,"end":1848.625,"sentiment":"neutral","sentiment_score":-0.10570834279060363},{"text":"It's it's either the the the best because there's three product disclosure statements.","start":1848.87,"end":1853.75,"sentiment":"neutral","sentiment_score":-0.0023267951149206897},{"text":"They've got the main one, and then they've got the investment one as well.","start":1853.75,"end":1856.63,"sentiment":"neutral","sentiment_score":0.07974368387034961},{"text":"And I think the 491 pages goes to all the individual investments you can hold on the platform.","start":1856.63,"end":1861.6901,"sentiment":"neutral","sentiment_score":0.06706577560140027}],"sentiment":"neutral","sentiment_score":0.1377753033488989,"num_words":75,"start":1831.26,"end":1861.6901},{"sentences":[{"text":"Twenty two and '23.","start":1870.5751,"end":1872.015,"sentiment":"neutral","sentiment_score":0.0236144014634192},{"text":"Yeah.","start":1872.015,"end":1872.3351,"sentiment":"neutral","sentiment_score":0.014170166105031967},{"text":"Sorry, Steven.","start":1872.3351,"end":1873.235,"sentiment":"neutral","sentiment_score":0.0020307116210460663},{"text":"Beautiful.","start":1879.76,"end":1880.26,"sentiment":"positive","sentiment_score":0.5455392003059387},{"text":"So, essentially, the one that we kind of, say, focus on the most is the buy sell column.","start":1880.72,"end":1885.6,"sentiment":"neutral","sentiment_score":0.20972726411289638}],"sentiment":"neutral","sentiment_score":0.1705122749822644,"num_words":26,"start":1870.5751,"end":1885.6},{"sentences":[{"text":"That's essentially showing you what we'll pay what we'll sell as the investment in red and what we're gonna buy into in green.","start":1885.6,"end":1891.925,"sentiment":"neutral","sentiment_score":0.1643860223500625},{"text":"It does go over onto the next page there, essentially.","start":1891.925,"end":1894.665,"sentiment":"neutral","sentiment_score":0.15006579607725143},{"text":"And the last two columns show at the end of the switch where, essentially, you should see your target weighting within your portfolio and how much you should hold within those investments there for you.","start":1895.045,"end":1905.1499,"sentiment":"neutral","sentiment_score":0.1291515595146588},{"text":"Okay.","start":1905.1499,"end":1905.6499,"sentiment":"neutral","sentiment_score":0.09487693756818771},{"text":"Yep.","start":1911.5499,"end":1912.0499,"sentiment":"neutral","sentiment_score":0.32130110263824463}],"sentiment":"neutral","sentiment_score":0.1459717014006206,"num_words":70,"start":1885.6,"end":1912.0499},{"sentences":[{"text":"Perfect.","start":1912.51,"end":1913.01,"sentiment":"positive","sentiment_score":0.5720089673995972},{"text":"So there are a few changes to make within the portfolio, which is good.","start":1915.63,"end":1919.4099,"sentiment":"positive","sentiment_score":0.4345431221382959},{"text":"But, yeah, just wanted to kinda go through that.","start":1920.315,"end":1922.635,"sentiment":"neutral","sentiment_score":0.19909727407826316},{"text":"The other thing I do point out is that with whenever you make changes in your investment portfolio, so buy and sell investment, As I said, as we mentioned last time, your super fund, just like you, does a tax return every year.","start":1922.635,"end":1936.9801,"sentiment":"neutral","sentiment_score":0.13053645748038625},{"text":"They pay income tax and capital gains tax.","start":1936.9801,"end":1939.4801,"sentiment":"neutral","sentiment_score":0.14954559691250324}],"sentiment":"neutral","sentiment_score":0.20342560787995656,"num_words":75,"start":1912.51,"end":1939.4801},{"sentences":[{"text":"So being able to make these changes for you, I did look at the tax consequences.","start":1939.7001,"end":1943.8,"sentiment":"neutral","sentiment_score":0.23369418131187558},{"text":"Your super fund is expected to pay $77 in CGT to to be able to switch your investments for you.","start":1944.5549,"end":1952.095,"sentiment":"neutral","sentiment_score":0.19215910509228706},{"text":"Yeah.","start":1954.5549,"end":1955.0349,"sentiment":"neutral","sentiment_score":0.07225383818149567},{"text":"So I was able to lower the tax as much as possible.","start":1955.0349,"end":1958.51,"sentiment":"neutral","sentiment_score":0.2975148633122444},{"text":"Yeah.","start":1958.5701,"end":1959.0701,"sentiment":"neutral","sentiment_score":0.0935710072517395}],"sentiment":"neutral","sentiment_score":0.22636584416031838,"num_words":50,"start":1939.7001,"end":1959.0701},{"sentences":[{"text":"Yeah.","start":1968.3301,"end":1968.8301,"sentiment":"neutral","sentiment_score":0.2357686012983322},{"text":"Thank you.","start":1969.8501,"end":1970.75,"sentiment":"neutral","sentiment_score":0.2891223281621933},{"text":"No.","start":1972.335,"end":1972.575,"sentiment":"neutral","sentiment_score":0.029692497104406357},{"text":"I I just wanted to make sure that we we could do what we could and try to get as much growth out of the portfolio as possible, try to mitigate, you know, the increase in in insurance recommendations, try to consolidate everything for you and have it all in one place.","start":1972.575,"end":1989.3601,"sentiment":"neutral","sentiment_score":0.1441546606902893},{"text":"But I definitely wanna make sure we do catch up and review these investments because investments do go up and down, and I'm very aware you know, I like to make sure everyone's aware.","start":1989.8201,"end":1998.06,"sentiment":"neutral","sentiment_score":0.052462655913961286}],"sentiment":"neutral","sentiment_score":0.11248309346329835,"num_words":90,"start":1968.3301,"end":1998.06},{"sentences":[{"text":"Projections are just projections.","start":1998.06,"end":1999.4401,"sentiment":"neutral","sentiment_score":-0.02055900963023305},{"text":"So we do know markets go up.","start":1999.725,"end":2001.485,"sentiment":"neutral","sentiment_score":-0.020126052466886386},{"text":"We do know markets go down.","start":2001.485,"end":2003.485,"sentiment":"neutral","sentiment_score":-0.06977662319938342},{"text":"Whether you're in a growth or high growth portfolio, you still see market risk.","start":2003.485,"end":2007.485,"sentiment":"neutral","sentiment_score":-0.10473985384617533},{"text":"You still expect a negative return one every five years.","start":2007.485,"end":2011.4249,"sentiment":"neutral","sentiment_score":-0.2618827074766159}],"sentiment":"neutral","sentiment_score":-0.11529178472190368,"num_words":41,"start":1998.06,"end":2011.4249},{"sentences":[{"text":"We just wanna take advantage of the up while we do get there.","start":2012.07,"end":2014.7899,"sentiment":"neutral","sentiment_score":-0.14619641636426634},{"text":"So I do wanna make sure that we maybe touch base once every six months to see how things are traveling, to look at the returns.","start":2014.7899,"end":2021.69,"sentiment":"neutral","sentiment_score":0.09990390246877304},{"text":"And if there needs to be changes made, we do that.","start":2021.75,"end":2024.955,"sentiment":"neutral","sentiment_score":0.10089997981082309},{"text":"If we can increase contributions, we talk about doing that.","start":2025.355,"end":2028.735,"sentiment":"neutral","sentiment_score":0.13117275163531303},{"text":"If the insurances need to be altered, we do that for you.","start":2029.0349,"end":2032.315,"sentiment":"neutral","sentiment_score":0.10431228205561638}],"sentiment":"neutral","sentiment_score":0.06069892681100302,"num_words":72,"start":2012.07,"end":2032.315},{"sentences":[{"text":"That way, things are being checked on more regularly, and that way, we can make changes as we need to so that I can make sure things are working as hard as possible.","start":2032.315,"end":2041.1799,"sentiment":"neutral","sentiment_score":0.12772411649877374},{"text":"You have a lot of time ahead of you, but I wanna make sure that compounding is working, and I don't want your super to go backwards in any way, shape, or form.","start":2041.3999,"end":2049.0798,"sentiment":"neutral","sentiment_score":-0.11397783017971298},{"text":"So that's kind of where I was at with making these recommendations, and I definitely wanna sure that we catch up on every six months if you're comfortable to do so.","start":2049.0798,"end":2057.1648,"sentiment":"neutral","sentiment_score":0.08313127117411744},{"text":"Yeah.","start":2068.5598,"end":2069.0598,"sentiment":"neutral","sentiment_score":-0.09146058559417725},{"text":"Wow.","start":2071.44,"end":2071.94,"sentiment":"neutral","sentiment_score":-0.1357942670583725}],"sentiment":"neutral","sentiment_score":0.028317595982566626,"num_words":99,"start":2032.315,"end":2071.94},{"sentences":[{"text":"Well so we'll see what we can do about that.","start":2072.72,"end":2077.46,"sentiment":"neutral","sentiment_score":-0.17907344698905944},{"text":"Yeah.","start":2081.905,"end":2082.305,"sentiment":"neutral","sentiment_score":-0.022934909909963608},{"text":"No.","start":2082.305,"end":2082.545,"sentiment":"neutral","sentiment_score":-0.04607866704463959},{"text":"We definitely absolutely.","start":2082.545,"end":2084.7249,"sentiment":"neutral","sentiment_score":0.30937352776527405},{"text":"Yeah.","start":2087.105,"end":2087.605,"sentiment":"neutral","sentiment_score":0.1856604516506195}],"sentiment":"neutral","sentiment_score":-0.04662293824367225,"num_words":16,"start":2072.72,"end":2087.605},{"sentences":[{"text":"Of course.","start":2087.665,"end":2088.2249,"sentiment":"neutral","sentiment_score":0.13380441814661026},{"text":"Definitely.","start":2088.2249,"end":2088.7249,"sentiment":"neutral","sentiment_score":0.1795198917388916},{"text":"So, no, I definitely wanna make sure that this, you know, goes into bite for you.","start":2089.1848,"end":2092.805,"sentiment":"neutral","sentiment_score":-0.011139490408822894},{"text":"Sorry.","start":2093.025,"end":2093.525,"sentiment":"neutral","sentiment_score":-0.15858913958072662},{"text":"That's no good.","start":2100.1401,"end":2101.12,"sentiment":"negative","sentiment_score":-0.46749160687128705}],"sentiment":"neutral","sentiment_score":-0.05618117733494095,"num_words":23,"start":2087.665,"end":2101.12},{"sentences":[{"text":"No.","start":2102.46,"end":2102.78,"sentiment":"neutral","sentiment_score":-0.11836262792348862},{"text":"Well, the the good thing I wanna I wanna get this balance moving harder.","start":2102.78,"end":2106.1401,"sentiment":"neutral","sentiment_score":0.05461354846400874},{"text":"One of the the difficult things is once you kinda get your balance up to that sort of $2.02 5,300,000 a month, that's when you really get the compounding effect.","start":2106.1401,"end":2114.595,"sentiment":"neutral","sentiment_score":-0.010073731777568658},{"text":"So if we can get contributions increasing, get the growth, you know, compounding a little bit harder, get your balance up over the next couple of years, then we can kind of go from there and really see the effect long term.","start":2114.595,"end":2126.72,"sentiment":"neutral","sentiment_score":0.10622120391400088},{"text":"So yeah.","start":2126.72,"end":2128.4202,"sentiment":"neutral","sentiment_score":0.11554883420467377}],"sentiment":"neutral","sentiment_score":0.056588801461156836,"num_words":89,"start":2102.46,"end":2128.4202},{"sentences":[{"text":"So we can do to help you out here and make changes as we need to because, I mean, these investments have worked really well now.","start":2128.8801,"end":2135.115,"sentiment":"neutral","sentiment_score":0.21720495762733313},{"text":"But, you know, next one, two, three, five, or ten years, they may not be doing the same thing.","start":2135.355,"end":2140.235,"sentiment":"neutral","sentiment_score":-0.03972226440122253},{"text":"We may need to alter them again.","start":2140.235,"end":2142.095,"sentiment":"neutral","sentiment_score":-0.0888876702104296},{"text":"And, realistically, investment portfolios do need to be updated not, like, every year, but pretty regularly because investments do become obsolete, not work properly.","start":2142.235,"end":2151.6702,"sentiment":"neutral","sentiment_score":-0.0645868470116208},{"text":"They have issues or, you know, need to be switched out for other areas.","start":2151.6702,"end":2155.59,"sentiment":"neutral","sentiment_score":-0.13042118666427477}],"sentiment":"neutral","sentiment_score":0.00993790268484089,"num_words":90,"start":2128.8801,"end":2155.59},{"sentences":[{"text":"Always the other areas of growth and decide to take on those sorts of advantage areas there.","start":2155.59,"end":2159.99,"sentiment":"neutral","sentiment_score":0.0012183603556717142},{"text":"So we'll just keep reviewing it, keep touching base, seeing how things are tracking, and, you know, consolidating will be a definitely a big help there, and then try to get those insurances sorted for you so that you've got that higher level of cover, and everything can be put into one place there for you as well.","start":2159.99,"end":2176.955,"sentiment":"neutral","sentiment_score":0.25960075829563467},{"text":"Okay.","start":2176.955,"end":2177.455,"sentiment":"positive","sentiment_score":0.3778761923313141},{"text":"Fantastic.","start":2180.4702,"end":2180.9702,"sentiment":"positive","sentiment_score":0.6906819343566895},{"text":"The only other thing in there to kinda go through with the recommendations is, obviously, beneficiary nominations.","start":2182.07,"end":2188.09,"sentiment":"neutral","sentiment_score":0.2732507209567463}],"sentiment":"neutral","sentiment_score":0.2211848562781481,"num_words":94,"start":2155.59,"end":2188.09},{"sentences":[{"text":"I'll make sure that they are sent out email and posted so they can be filled out and nominated and added to the life policy and also your hub twenty four super account.","start":2188.6301,"end":2198.135,"sentiment":"neutral","sentiment_score":0.2428602742200548},{"text":"And then we have also made a recommendation that you guys should speak to a solicitor and talk about doing up a will and power of attorney documents to make sure that everything that you've worked hard for outside of super and life insurance is also protected and looked after for you.","start":2198.435,"end":2213.67,"sentiment":"neutral","sentiment_score":0.20419028874200124},{"text":"Okay?","start":2213.67,"end":2214.17,"sentiment":"neutral","sentiment_score":0.08902056515216827},{"text":"The other thing I wanted to show you was the trauma recommendation.","start":2216.95,"end":2220.41,"sentiment":"neutral","sentiment_score":0.09702972912540038},{"text":"So we also talked about we've got the life changing income protection all kinda covered, but the other thing that you wanted to look at was trauma.","start":2220.865,"end":2229.445,"sentiment":"neutral","sentiment_score":0.07466925784117645}],"sentiment":"neutral","sentiment_score":0.17521385072171689,"num_words":125,"start":2188.6301,"end":2229.445},{"sentences":[{"text":"The trauma is an out of pocket cover.","start":2230.465,"end":2233.0452,"sentiment":"neutral","sentiment_score":-0.061534938868135214},{"text":"You wanted to look at about two years worth of trauma cover.","start":2233.46,"end":2236.98,"sentiment":"neutral","sentiment_score":-0.034770379619052015},{"text":"Does that still sound about right?","start":2236.98,"end":2238.76,"sentiment":"neutral","sentiment_score":0.01541594664255778},{"text":"Yep.","start":2241.46,"end":2241.94,"sentiment":"neutral","sentiment_score":0.0707525759935379},{"text":"That's okay.","start":2241.94,"end":2242.5,"sentiment":"neutral","sentiment_score":0.14560586214065552}],"sentiment":"neutral","sentiment_score":-0.015691865042879664,"num_words":29,"start":2230.465,"end":2242.5},{"sentences":[{"text":"If you go down to page 36, this is the trauma recommendation there for you.","start":2242.5,"end":2247.24,"sentiment":"neutral","sentiment_score":0.08226916640996933},{"text":"Sorry.","start":2248.9749,"end":2249.4749,"sentiment":"neutral","sentiment_score":-0.05396339297294617},{"text":"36.","start":2251.855,"end":2252.755,"sentiment":"neutral","sentiment_score":-0.005521233193576336},{"text":"Yep.","start":2266.4302,"end":2266.9302,"sentiment":"neutral","sentiment_score":0.1381855458021164},{"text":"Beautiful.","start":2267.07,"end":2267.57,"sentiment":"neutral","sentiment_score":0.3125462532043457}],"sentiment":"neutral","sentiment_score":0.08554129836786735,"num_words":19,"start":2242.5,"end":2267.57},{"sentences":[{"text":"So I had a look around.","start":2268.35,"end":2269.7102,"sentiment":"neutral","sentiment_score":0.056345767031113304},{"text":"I have not recommended trauma with power because power weren't offering the product.","start":2269.7102,"end":2273.49,"sentiment":"neutral","sentiment_score":-0.26017267199663013},{"text":"But in Compass, based on the free assessment, Encompass is another insurer, really great insurer.","start":2273.925,"end":2279.365,"sentiment":"neutral","sentiment_score":0.12722418196499347},{"text":"They actually take on a little bit more risk, which is great.","start":2279.365,"end":2281.945,"sentiment":"neutral","sentiment_score":0.11878245137631893},{"text":"They have come back saying they are likely to offer trauma covers to you, offering the benefit amount of 154,000, so two years worth of income.","start":2282.485,"end":2290.6099,"sentiment":"neutral","sentiment_score":0.1474570629115288}],"sentiment":"neutral","sentiment_score":0.05727035622112453,"num_words":72,"start":2268.35,"end":2290.6099},{"sentences":[{"text":"And, essentially, they would have a 50% loading attached to it because of what was disclosed.","start":2291.63,"end":2297.41,"sentiment":"neutral","sentiment_score":0.0763400187715888},{"text":"It essentially means the monthly premium expected is about a $177.80.","start":2297.95,"end":2303.665,"sentiment":"neutral","sentiment_score":0.06958403133533218},{"text":"So this part of the recommendation all comes down to what your expenditure looks like and whether you're able to afford this.","start":2303.665,"end":2310.645,"sentiment":"neutral","sentiment_score":0.06909384121271697},{"text":"If you decide not to take the trauma now, that's okay.","start":2311.185,"end":2314.065,"sentiment":"neutral","sentiment_score":-0.22334746000441638},{"text":"We can come back and review that at a later time.","start":2314.065,"end":2316.5898,"sentiment":"neutral","sentiment_score":0.030988672240213913}],"sentiment":"neutral","sentiment_score":0.019591302624051,"num_words":71,"start":2291.63,"end":2316.5898},{"sentences":[{"text":"But this essentially would be costing about a $177.80 per month.","start":2317.0498,"end":2322.41,"sentiment":"neutral","sentiment_score":-0.07887504249811172},{"text":"So that over the course of the year is about $2,133 for the trauma.","start":2322.41,"end":2327.235,"sentiment":"neutral","sentiment_score":-0.06022950554532664},{"text":"Think about that.","start":2334.7551,"end":2335.7952,"sentiment":"neutral","sentiment_score":-0.038436594108740486},{"text":"Yeah.","start":2335.7952,"end":2336.2952,"sentiment":"neutral","sentiment_score":0.0010106544941663742},{"text":"Yeah.","start":2336.5952,"end":2337.0952,"sentiment":"neutral","sentiment_score":-0.011024769395589828}],"sentiment":"neutral","sentiment_score":-0.061205414744714894,"num_words":30,"start":2317.0498,"end":2337.0952},{"sentences":[{"text":"I figured that would be the case, and that is okay.","start":2337.715,"end":2341.0952,"sentiment":"neutral","sentiment_score":0.005446348677981983},{"text":"So the important thing to remember is these are recommendations.","start":2341.155,"end":2344.76,"sentiment":"neutral","sentiment_score":-0.03756447583436966},{"text":"If there is any part of the recommendations you decide you do not wish to take on board, that's okay.","start":2345.2202,"end":2350.52,"sentiment":"neutral","sentiment_score":-0.25666516572237014},{"text":"On the very last page of the document, we actually have a box that says multiline in there.","start":2351.06,"end":2357.055,"sentiment":"neutral","sentiment_score":0.01171162124309275},{"text":"In that box, if you decide you don't wanna take on the trauma right now, you just write in there, don't want trauma or, you know, don't wanna accept this recommendation or wanna do this, and we will just that come back to us, and we will help, you know, abide by that.","start":2357.615,"end":2373.48,"sentiment":"neutral","sentiment_score":-0.029471151144155917}],"sentiment":"neutral","sentiment_score":-0.06071607201426689,"num_words":112,"start":2337.715,"end":2373.48},{"sentences":[{"text":"We'll just not implement the trauma recommendation, or we can make changes for you.","start":2373.78,"end":2378.42,"sentiment":"neutral","sentiment_score":-0.00615381502679416},{"text":"So that box is put there.","start":2378.42,"end":2380.0999,"sentiment":"neutral","sentiment_score":0.10341667011380196},{"text":"So if there's any part of the advice you wanna alter, change, or not take on board, you can just make a little note in that box.","start":2380.0999,"end":2386.265,"sentiment":"neutral","sentiment_score":0.08916595992114809},{"text":"It comes back to us, and we make sure to alter the implementation by not implementing a certain section or helping you to vary that in any way, shape, form.","start":2386.265,"end":2395.48,"sentiment":"neutral","sentiment_score":0.05649270390470822},{"text":"Does that make sense?","start":2395.48,"end":2396.54,"sentiment":"neutral","sentiment_score":0.05561418738216162}],"sentiment":"neutral","sentiment_score":0.05998846166479735,"num_words":81,"start":2373.78,"end":2396.54},{"sentences":[{"text":"It'll be on page number 54.","start":2400.6,"end":2403.1802,"sentiment":"neutral","sentiment_score":-0.016930756935228903},{"text":"Yes.","start":2422.6199,"end":2423.1199,"sentiment":"neutral","sentiment_score":-0.0014402875676751137},{"text":"It's a blank box.","start":2423.26,"end":2424.22,"sentiment":"neutral","sentiment_score":-0.02667098632082343},{"text":"Yeah.","start":2424.22,"end":2424.72,"sentiment":"neutral","sentiment_score":-0.0023672357201576233},{"text":"Sometimes it has multiline written on it.","start":2424.8599,"end":2427.02,"sentiment":"neutral","sentiment_score":-0.0362562108784914}],"sentiment":"neutral","sentiment_score":-0.024519446649049457,"num_words":19,"start":2400.6,"end":2427.02},{"sentences":[{"text":"Sometimes it doesn't.","start":2427.02,"end":2428.24,"sentiment":"neutral","sentiment_score":-0.08453632891178131},{"text":"No.","start":2430.3,"end":2430.46,"sentiment":"neutral","sentiment_score":-0.078565314412117},{"text":"That's all good.","start":2430.46,"end":2431.5,"sentiment":"neutral","sentiment_score":0.03151329110066096},{"text":"That's all good.","start":2431.5,"end":2432.505,"sentiment":"neutral","sentiment_score":0.13504193412760893},{"text":"No.","start":2436.025,"end":2436.1848,"sentiment":"neutral","sentiment_score":-0.024386025965213776}],"sentiment":"neutral","sentiment_score":0.013009577142921362,"num_words":11,"start":2427.02,"end":2436.1848},{"sentences":[{"text":"You are absolutely fine, honestly.","start":2436.1848,"end":2438.6848,"sentiment":"neutral","sentiment_score":0.27963595688343046},{"text":"That is essentially the entire recommendations.","start":2439.9448,"end":2442.045,"sentiment":"positive","sentiment_score":0.3349706878264745},{"text":"I would love it if you would take some time just to read through the document.","start":2442.345,"end":2445.7249,"sentiment":"positive","sentiment_score":0.47538120299577713},{"text":"Let me know if you do happen to have any questions that come from that.","start":2446.28,"end":2449.66,"sentiment":"positive","sentiment_score":0.3769680778185526},{"text":"The I've taken you through the pages and the areas that are applicable.","start":2450.5999,"end":2453.48,"sentiment":"neutral","sentiment_score":0.3297177530252017}],"sentiment":"positive","sentiment_score":0.38099918392571536,"num_words":55,"start":2436.1848,"end":2453.48},{"sentences":[{"text":"But as you kind of run through it from start to finish, it has all the recommendations outlined for you, the advantages, the disadvantages, the risks involved, and also any alternatives that I have considered as well for you.","start":2453.48,"end":2467.475,"sentiment":"positive","sentiment_score":0.3689855276009975},{"text":"So feel free to run your eyes over that.","start":2467.935,"end":2469.695,"sentiment":"positive","sentiment_score":0.420819577243593},{"text":"Have a bit of a read.","start":2469.695,"end":2470.655,"sentiment":"positive","sentiment_score":0.44930583238601685},{"text":"If you have any questions, you're more than welcome to let me know.","start":2470.655,"end":2473.955,"sentiment":"positive","sentiment_score":0.4446486226784495},{"text":"And then get and then if there's any part of the recommendations you choose not to opt in to or not to take on board, just make a little note on that last page there.","start":2474.58,"end":2483.0,"sentiment":"neutral","sentiment_score":0.07249598715986524}],"sentiment":"neutral","sentiment_score":0.28619057266041636,"num_words":102,"start":2453.48,"end":2483.0},{"sentences":[{"text":"And if you're happy with everything, we'll get you to sign and return the documents back.","start":2483.3801,"end":2487.105,"sentiment":"positive","sentiment_score":0.41565983928740025},{"text":"After you've made that little note in that big box there for any changes, you can also sign and return it back, and we can just start implementing it.","start":2487.345,"end":2495.185,"sentiment":"positive","sentiment_score":0.356440682863367},{"text":"My team will try to help you get that sorted as quickly as possible, and we definitely wanna make those changes to your super ASAP as well.","start":2495.185,"end":2502.48,"sentiment":"positive","sentiment_score":0.5670304530196719},{"text":"Get rid of that along, get rid of some of those investments, and get your super working a bit harder for you.","start":2502.48,"end":2507.7,"sentiment":"neutral","sentiment_score":0.1080839376557957},{"text":"Okay.","start":2507.84,"end":2508.34,"sentiment":"neutral","sentiment_score":0.07061003148555756}],"sentiment":"positive","sentiment_score":0.36574332761137107,"num_words":95,"start":2483.3801,"end":2508.34},{"sentences":[{"text":"Yeah.","start":2510.88,"end":2511.38,"sentiment":"neutral","sentiment_score":0.013319429010152817},{"text":"Yep.","start":2515.28,"end":2515.78,"sentiment":"neutral","sentiment_score":0.011276107281446455},{"text":"Yep.","start":2518.705,"end":2519.205,"sentiment":"neutral","sentiment_score":0.005961987189948559},{"text":"Mhmm.","start":2524.465,"end":2524.965,"sentiment":"neutral","sentiment_score":0.005408697761595249},{"text":"Mhmm.","start":2529.1199,"end":2529.28,"sentiment":"neutral","sentiment_score":0.011639388278126717}],"sentiment":"neutral","sentiment_score":0.00952112190425396,"num_words":5,"start":2510.88,"end":2529.28},{"sentences":[{"text":"Income protection.","start":2529.28,"end":2530.0999,"sentiment":"neutral","sentiment_score":0.019556477665901184},{"text":"Yeah.","start":2530.4,"end":2530.72,"sentiment":"neutral","sentiment_score":0.06719137728214264},{"text":"So that's your monthly benefit.","start":2530.72,"end":2532.0798,"sentiment":"neutral","sentiment_score":0.16147610992193223},{"text":"That's how much you're covered for with your income protection policy.","start":2532.0798,"end":2534.9,"sentiment":"neutral","sentiment_score":0.17121825299479745},{"text":"Yep.","start":2537.92,"end":2538.42,"sentiment":"neutral","sentiment_score":0.02407689020037651}],"sentiment":"neutral","sentiment_score":0.14105812776833773,"num_words":20,"start":2529.28,"end":2538.42},{"sentences":[{"text":"No.","start":2540.0,"end":2540.3198,"sentiment":"neutral","sentiment_score":-0.06400491297245026},{"text":"That's okay.","start":2540.3198,"end":2540.96,"sentiment":"neutral","sentiment_score":0.014212755020707846},{"text":"So the table's actually half on one page and half on the other.","start":2540.96,"end":2544.115,"sentiment":"neutral","sentiment_score":0.03314110393134447},{"text":"So if you go down to the next page, you've got the other half of that table.","start":2544.115,"end":2547.415,"sentiment":"neutral","sentiment_score":0.030742054695592207},{"text":"Sorry.","start":2547.955,"end":2548.455,"sentiment":"neutral","sentiment_score":-0.030938146635890007}],"sentiment":"neutral","sentiment_score":0.026086227393106502,"num_words":34,"start":2540.0,"end":2548.455},{"sentences":[{"text":"Page twenty nine and thirty.","start":2554.355,"end":2556.215,"sentiment":"neutral","sentiment_score":0.01271226406097412},{"text":"Yes.","start":2556.355,"end":2556.66,"sentiment":"neutral","sentiment_score":0.016331100836396217},{"text":"Yep.","start":2561.38,"end":2561.8599,"sentiment":"neutral","sentiment_score":0.06116870045661926},{"text":"So your monthly benefit or how much you're insured for?","start":2561.8599,"end":2564.9,"sentiment":"neutral","sentiment_score":0.026816448476165534},{"text":"Sorry.","start":2564.9,"end":2565.22,"sentiment":"neutral","sentiment_score":-0.07183213531970978}],"sentiment":"neutral","sentiment_score":0.01874408172443509,"num_words":18,"start":2554.355,"end":2565.22},{"sentences":[{"text":"You're right.","start":2565.22,"end":2565.88,"sentiment":"neutral","sentiment_score":-0.024337105453014374},{"text":"Mhmm.","start":2570.415,"end":2570.915,"sentiment":"neutral","sentiment_score":-0.04868794605135918},{"text":"Yes.","start":2577.2026,"end":2577.7026,"sentiment":"neutral","sentiment_score":-0.04953841120004654},{"text":"How much you pay for each policy?","start":2588.31,"end":2590.01,"sentiment":"neutral","sentiment_score":-0.004395656686808381},{"text":"Well, the out of pocket yeah.","start":2592.71,"end":2595.93,"sentiment":"neutral","sentiment_score":-0.07785190393527348}],"sentiment":"neutral","sentiment_score":-0.037928328739807886,"num_words":17,"start":2565.22,"end":2595.93},{"sentences":[{"text":"The out of pocket policy, that won't change in any way, shape, or form because that's just the income protection policy unless you take the trauma on, and that'll sort of increase that.","start":2597.11,"end":2607.495,"sentiment":"neutral","sentiment_score":-0.30380815357872937},{"text":"So if we kind of look at that for you, so the $177.80 for that And with your income protection policy, in the front of the document on pages eleven and twelve that outlines your current policy that you do have there, and that essentially shows that you pay $42.49 per month for your income protection outside of.","start":2607.635,"end":2635.715,"sentiment":"neutral","sentiment_score":0.020900251022700607},{"text":"So if we add that to the possible trauma cover, because this is what's gonna tell you how much you need to pay per month, it means out of pocket is 2,002 hun sorry.","start":2637.455,"end":2648.54,"sentiment":"neutral","sentiment_score":0.005232502487214173},{"text":"$220.29 per month.","start":2648.54,"end":2651.6,"sentiment":"neutral","sentiment_score":0.00920873818298181},{"text":"By twelve months, it's $2,643.48.","start":2652.9402,"end":2658.295,"sentiment":"neutral","sentiment_score":0.012092611193656922}],"sentiment":"neutral","sentiment_score":-0.06426661769698437,"num_words":133,"start":2597.11,"end":2658.295},{"sentences":[{"text":"So there's a lot of money out of pocket, whereas at the moment, the $42.49 is about $500 for your income protection it more just comes down to when looking at the out of pocket cost.","start":2662.195,"end":2675.36,"sentiment":"neutral","sentiment_score":0.026130211539566517},{"text":"The income protection is absolutely important to keep out of pocket.","start":2675.9001,"end":2678.78,"sentiment":"neutral","sentiment_score":0.2785859839482741},{"text":"That, you know, provides you with greater benefit.","start":2678.78,"end":2680.7,"sentiment":"neutral","sentiment_score":0.2802811823785305},{"text":"If you can't work, it gives you a monthly benefit to look after you and help cover your bills and things.","start":2680.7,"end":2685.225,"sentiment":"neutral","sentiment_score":0.2173516306848753},{"text":"Things.","start":2685.865,"end":2686.0251,"sentiment":"neutral","sentiment_score":-0.003205321729183197}],"sentiment":"neutral","sentiment_score":0.14037093273424484,"num_words":77,"start":2662.195,"end":2686.0251},{"sentences":[{"text":"Whereas trauma is only paid out if you have a traumatic diagnosis, things like cancer, heart attack, stroke.","start":2686.0251,"end":2692.5251,"sentiment":"neutral","sentiment_score":-0.1265935819182131},{"text":"It means that you can claim on income protection.","start":2693.145,"end":2695.405,"sentiment":"neutral","sentiment_score":-0.018202854527367487},{"text":"Unfortunately, no.","start":2696.665,"end":2698.205,"sentiment":"negative","sentiment_score":-0.33895035088062286},{"text":"Doesn't I'm sorry.","start":2702.3801,"end":2704.32,"sentiment":"neutral","sentiment_score":-0.24542087316513062},{"text":"I know.","start":2704.54,"end":2705.02,"sentiment":"neutral","sentiment_score":-0.18836071342229843}],"sentiment":"neutral","sentiment_score":-0.12451161509927582,"num_words":34,"start":2686.0251,"end":2705.02},{"sentences":[{"text":"I'm very sorry.","start":2705.02,"end":2705.9001,"sentiment":"neutral","sentiment_score":-0.21093052625656128},{"text":"It doesn't kinda come under there.","start":2705.9001,"end":2707.84,"sentiment":"neutral","sentiment_score":-0.13136895870169005},{"text":"It does, however, if you are not able to work, you do the ankleizing for the lighters.","start":2708.3801,"end":2712.7,"sentiment":"neutral","sentiment_score":-0.05742344808052568},{"text":"Income protection covers that for you, if that helps.","start":2712.7,"end":2715.345,"sentiment":"neutral","sentiment_score":0.021717990852064557},{"text":"I'm sorry.","start":2715.345,"end":2716.0051,"sentiment":"neutral","sentiment_score":-0.16846344619989395}],"sentiment":"neutral","sentiment_score":-0.06861267359675588,"num_words":37,"start":2705.02,"end":2716.0051},{"sentences":[{"text":"I know.","start":2719.985,"end":2720.305,"sentiment":"neutral","sentiment_score":-0.09333183243870737},{"text":"I felt bad.","start":2720.305,"end":2721.025,"sentiment":"neutral","sentiment_score":-0.28686363995075226},{"text":"I was like, no.","start":2721.025,"end":2722.0051,"sentiment":"neutral","sentiment_score":-0.26108113676309586},{"text":"I'm sorry, Steven.","start":2722.145,"end":2723.445,"sentiment":"neutral","sentiment_score":-0.28140867749849957},{"text":"Yes.","start":2737.23,"end":2737.73,"sentiment":"neutral","sentiment_score":-0.018893897533416748}],"sentiment":"neutral","sentiment_score":-0.22728454321622849,"num_words":13,"start":2719.985,"end":2737.73},{"sentences":[{"text":"Absolutely.","start":2737.79,"end":2738.29,"sentiment":"neutral","sentiment_score":-0.05184176936745643},{"text":"Yeah.","start":2741.47,"end":2741.895,"sentiment":"neutral","sentiment_score":-0.11415939778089523},{"text":"No.","start":2742.455,"end":2742.855,"sentiment":"neutral","sentiment_score":-0.23926123976707456},{"text":"Completely understandable.","start":2742.855,"end":2744.075,"sentiment":"neutral","sentiment_score":-0.23587079346179962},{"text":"Yeah.","start":2745.095,"end":2745.595,"sentiment":"neutral","sentiment_score":-0.06217161193490029}],"sentiment":"neutral","sentiment_score":-0.15652926762898764,"num_words":6,"start":2737.79,"end":2745.595},{"sentences":[{"text":"Feel free to let me know if you do happen to have any questions there.","start":2745.735,"end":2748.715,"sentiment":"neutral","sentiment_score":0.23256928225358328},{"text":"I understand exactly where you're at, especially with, you know, building a house, and the cost of living is horrendously high.","start":2748.775,"end":2755.975,"sentiment":"neutral","sentiment_score":-0.26776212489321116},{"text":"So I just wanted to show you the trauma recommendation, show you the other recommendations there, and then, yeah, it's up to you to decide what you're comfortable taking on board.","start":2755.975,"end":2763.9402,"sentiment":"neutral","sentiment_score":0.25887177956681096},{"text":"This is valid for sixty days, and my team will touch base every so often to sort of see how you're going and if you have any questions there.","start":2764.24,"end":2770.72,"sentiment":"neutral","sentiment_score":0.3022084678041524},{"text":"So, I mean, the income protection is absolutely the most important thing because you are paying for that.","start":2770.72,"end":2776.155,"sentiment":"neutral","sentiment_score":0.25461021727985805}],"sentiment":"neutral","sentiment_score":0.16875078293838,"num_words":114,"start":2745.735,"end":2776.155},{"sentences":[{"text":"We can't get that back, and that out of pocket policy, the income protection protects you if anything happens.","start":2776.155,"end":2782.075,"sentiment":"neutral","sentiment_score":0.1227093327202295},{"text":"So, you know, having part inside safe and some outside safe.","start":2782.075,"end":2785.68,"sentiment":"neutral","sentiment_score":0.13989333469759335},{"text":"But the other side of the income protection, the part you pay outside of safe is also a tax deduction for you, whereas the how sorry.","start":2785.68,"end":2794.0,"sentiment":"neutral","sentiment_score":0.08875134615943982},{"text":"The trauma policy, that doesn't give you any kind of tax benefit there.","start":2794.0,"end":2798.4001,"sentiment":"neutral","sentiment_score":-0.10993480338500096},{"text":"So that's kind of the major benefit of having income protection paid out of pocket and why I would definitely wanna keep that rather than the trauma side of it.","start":2798.4001,"end":2807.275,"sentiment":"neutral","sentiment_score":0.1900934894879659}],"sentiment":"neutral","sentiment_score":0.10557061862764937,"num_words":99,"start":2776.155,"end":2807.275},{"sentences":[{"text":"But it also comes down to what you're comfortable with and what you guys can afford and and what your expenditure looks like there.","start":2807.4148,"end":2813.97,"sentiment":"neutral","sentiment_score":0.3163178867350022},{"text":"So I'm happy to support any decision you have.","start":2813.97,"end":2816.55,"sentiment":"positive","sentiment_score":0.7831959327061971},{"text":"And any questions at all, you're welcome to let me know.","start":2817.81,"end":2820.77,"sentiment":"positive","sentiment_score":0.47511407462033356},{"text":"Okay.","start":2820.77,"end":2821.27,"sentiment":"neutral","sentiment_score":0.1513466835021973},{"text":"Sure.","start":2825.17,"end":2825.595,"sentiment":"neutral","sentiment_score":0.05571523308753967}],"sentiment":"positive","sentiment_score":0.4363849872480268,"num_words":46,"start":2807.4148,"end":2825.595},{"sentences":[{"text":"Yeah.","start":2833.275,"end":2833.675,"sentiment":"neutral","sentiment_score":0.032179199159145355},{"text":"Absolutely.","start":2833.675,"end":2834.175,"sentiment":"neutral","sentiment_score":0.02773990109562874},{"text":"For the insurances?","start":2834.635,"end":2835.615,"sentiment":"neutral","sentiment_score":0.014344756801923117},{"text":"Yeah.","start":2838.4749,"end":2838.96,"sentiment":"neutral","sentiment_score":0.021914776414632797},{"text":"Yes.","start":2840.72,"end":2841.22,"sentiment":"neutral","sentiment_score":0.03448278456926346}],"sentiment":"neutral","sentiment_score":0.022764418806348528,"num_words":7,"start":2833.275,"end":2841.22},{"sentences":[{"text":"7,680 dollars.","start":2841.52,"end":2851.2,"sentiment":"neutral","sentiment_score":0.03307559434324503},{"text":"It's on page 20 if you wanna have a look there to make it a bit easier for you.","start":2851.2,"end":2857.875,"sentiment":"neutral","sentiment_score":0.16690693325118014},{"text":"It's in a couple of places, but the the fee comparison table is good because it kinda outlays the cost there to make it easier for you.","start":2857.875,"end":2864.4348,"sentiment":"positive","sentiment_score":0.37763400927737906},{"text":"You can sort of see that.","start":2864.4348,"end":2865.895,"sentiment":"neutral","sentiment_score":0.1644121160109838},{"text":"20.","start":2870.04,"end":2870.54,"sentiment":"neutral","sentiment_score":0.018625516444444656}],"sentiment":"neutral","sentiment_score":0.2625199887901545,"num_words":55,"start":2841.52,"end":2870.54},{"sentences":[{"text":"Yeah.","start":2871.48,"end":2871.98,"sentiment":"neutral","sentiment_score":0.026262955740094185},{"text":"50 per week.","start":2893.195,"end":2894.415,"sentiment":"neutral","sentiment_score":0.00597090149919192},{"text":"Yes.","start":2897.195,"end":2897.49,"sentiment":"neutral","sentiment_score":0.05846032872796059},{"text":"Not really.","start":2905.33,"end":2906.05,"sentiment":"neutral","sentiment_score":-0.12612808123230934},{"text":"No.","start":2906.05,"end":2906.55,"sentiment":"neutral","sentiment_score":-0.1818137764930725}],"sentiment":"neutral","sentiment_score":-0.04142924374900758,"num_words":8,"start":2871.48,"end":2906.55},{"sentences":[{"text":"No.","start":2906.85,"end":2907.33,"sentiment":"neutral","sentiment_score":-0.16888807713985443},{"text":"So we we could talk about increasing the salary sacrifice.","start":2907.33,"end":2910.31,"sentiment":"neutral","sentiment_score":0.01592872217297554},{"text":"I think the main reason we sort of looked at 50 to start with was to look at your comfort level because we're also looking at trauma and out of pocket expenses.","start":2910.555,"end":2918.4949,"sentiment":"neutral","sentiment_score":0.048449246169184335},{"text":"So we could always start with this for the first sort of six months, look at how that's going, if you're comfortable with the change in expenditure, because salary sacrifice also reduced your your take home pay.","start":2919.675,"end":2930.83,"sentiment":"neutral","sentiment_score":0.16117120473771482},{"text":"Not as much.","start":2930.83,"end":2931.4702,"sentiment":"neutral","sentiment_score":-0.09541730706890424}],"sentiment":"neutral","sentiment_score":0.08696214067581368,"num_words":83,"start":2906.85,"end":2931.4702},{"sentences":[{"text":"It's only a little bit.","start":2931.4702,"end":2932.77,"sentiment":"neutral","sentiment_score":-0.026740295439958574},{"text":"But then we can always increase it in increments if you're comfortable doing so.","start":2932.9102,"end":2937.07,"sentiment":"neutral","sentiment_score":0.3153391842331205},{"text":"I tend to take that approach with most of my clients because if we start with a bigger lump sum, it's great because you get a bigger tax effect and more money goes into the super, but you can't then pull it back out if you find you need the money.","start":2937.07,"end":2951.055,"sentiment":"positive","sentiment_score":0.3454801425629971},{"text":"So it is best to start smaller, get comfortable, and then we increase that in increments as as you're comfortable doing so as you find your expenditure isn't as affected.","start":2951.6748,"end":2961.8098,"sentiment":"neutral","sentiment_score":0.29847966879606247},{"text":"Does that make sense?","start":2961.8098,"end":2962.95,"sentiment":"neutral","sentiment_score":0.1627054549753666}],"sentiment":"neutral","sentiment_score":0.3029398678515393,"num_words":104,"start":2931.4702,"end":2962.95},{"sentences":[{"text":"Yeah.","start":2963.0898,"end":2963.5898,"sentiment":"neutral","sentiment_score":0.11190568655729294},{"text":"Yeah.","start":2965.41,"end":2965.91,"sentiment":"neutral","sentiment_score":0.08273276686668396},{"text":"Did you wanna say it out loud?","start":2988.79,"end":2990.31,"sentiment":"neutral","sentiment_score":-0.11190069999013628},{"text":"I can help you.","start":2990.31,"end":2991.11,"sentiment":"neutral","sentiment_score":0.023031151853501797},{"text":"Sorry.","start":2991.11,"end":2991.61,"sentiment":"neutral","sentiment_score":-0.050822872668504715}],"sentiment":"neutral","sentiment_score":-0.0390974794115339,"num_words":14,"start":2963.0898,"end":2991.61},{"sentences":[{"text":"Is it how much is going in?","start":3008.9402,"end":3010.6401,"sentiment":"neutral","sentiment_score":0.005688422492572239},{"text":"Yep.","start":3015.74,"end":3016.1401,"sentiment":"neutral","sentiment_score":0.050665222108364105},{"text":"It's 2,600 per year.","start":3016.1401,"end":3018.48,"sentiment":"neutral","sentiment_score":0.018937523011118174},{"text":"Yep.","start":3028.805,"end":3029.305,"sentiment":"neutral","sentiment_score":0.013480139896273611},{"text":"It's about $200 per month if on a four week month.","start":3031.045,"end":3034.8,"sentiment":"neutral","sentiment_score":0.018571004610170017}],"sentiment":"neutral","sentiment_score":0.01599981092537443,"num_words":24,"start":3008.9402,"end":3034.8},{"sentences":[{"text":"Yeah.","start":3035.04,"end":3035.54,"sentiment":"neutral","sentiment_score":0.04223303124308586},{"text":"Yeah.","start":3038.1602,"end":3038.6602,"sentiment":"neutral","sentiment_score":0.03481011837720871},{"text":"Yeah.","start":3049.52,"end":3049.875,"sentiment":"neutral","sentiment_score":0.041731417179107666},{"text":"Yeah.","start":3052.755,"end":3053.255,"sentiment":"neutral","sentiment_score":0.034810129553079605},{"text":"The weeks that have a little fewer after days.","start":3056.275,"end":3058.355,"sentiment":"neutral","sentiment_score":-0.14119465152422586}],"sentiment":"neutral","sentiment_score":-0.08593593595119622,"num_words":13,"start":3035.04,"end":3058.355},{"sentences":[{"text":"Yeah.","start":3058.355,"end":3058.835,"sentiment":"neutral","sentiment_score":0.06804805248975754},{"text":"Absolutely.","start":3058.835,"end":3059.335,"sentiment":"neutral","sentiment_score":0.13402526080608368},{"text":"No.","start":3060.195,"end":3060.515,"sentiment":"neutral","sentiment_score":-0.0757102221250534},{"text":"I under Yep.","start":3060.515,"end":3065.0898,"sentiment":"neutral","sentiment_score":-0.0011407621204853064},{"text":"Okay.","start":3066.39,"end":3066.89,"sentiment":"neutral","sentiment_score":-0.002848144620656967}],"sentiment":"neutral","sentiment_score":0.017156094312667847,"num_words":7,"start":3058.355,"end":3066.89},{"sentences":[{"text":"No.","start":3068.19,"end":3068.69,"sentiment":"neutral","sentiment_score":-0.07117509841918945},{"text":"That's okay.","start":3068.75,"end":3069.47,"sentiment":"neutral","sentiment_score":0.04977797903120518},{"text":"And, look, you've probably had a long week as well, and I'm doing this.","start":3069.47,"end":3072.19,"sentiment":"neutral","sentiment_score":-0.07834854788546051},{"text":"It's probably dinner time for you, so I'm so sorry.","start":3072.19,"end":3074.6099,"sentiment":"neutral","sentiment_score":-0.12203805446624756},{"text":"It's probably a lot.","start":3074.8298,"end":3075.3098,"sentiment":"neutral","sentiment_score":-0.19575994461774826}],"sentiment":"neutral","sentiment_score":-0.09909416560924822,"num_words":31,"start":3068.19,"end":3075.3098},{"sentences":[{"text":"It's okay.","start":3075.3098,"end":3076.0598,"sentiment":"neutral","sentiment_score":-0.061053650453686714},{"text":"Okay.","start":3090.405,"end":3090.885,"sentiment":"neutral","sentiment_score":-0.16064371168613434},{"text":"I'm so sorry.","start":3090.885,"end":3092.025,"sentiment":"neutral","sentiment_score":-0.1854134500026703},{"text":"I'm so sorry.","start":3092.16,"end":3105.5352,"sentiment":"neutral","sentiment_score":-0.26116836071014404},{"text":"Yeah.","start":3110.635,"end":3111.115,"sentiment":"neutral","sentiment_score":-0.01296379417181015}],"sentiment":"neutral","sentiment_score":-0.1635460238903761,"num_words":10,"start":3075.3098,"end":3111.115},{"sentences":[{"text":"Yeah.","start":3111.115,"end":3111.615,"sentiment":"neutral","sentiment_score":0.004973202012479305},{"text":"Absolutely.","start":3111.995,"end":3112.495,"sentiment":"neutral","sentiment_score":0.027071166783571243},{"text":"No.","start":3114.955,"end":3115.455,"sentiment":"neutral","sentiment_score":-0.19081176817417145},{"text":"I'm so, so sorry to hear that.","start":3115.595,"end":3117.5151,"sentiment":"negative","sentiment_score":-0.3481144266469138},{"text":"It's a it's a big thing to go through, and you're going through a lot.","start":3117.5151,"end":3121.0498,"sentiment":"neutral","sentiment_score":-0.3327050606409709}],"sentiment":"neutral","sentiment_score":-0.3034457718208432,"num_words":25,"start":3111.115,"end":3121.0498},{"sentences":[{"text":"So I absolutely understand.","start":3121.0498,"end":3122.25,"sentiment":"neutral","sentiment_score":-0.02843044511973858},{"text":"So take some time, read it through.","start":3122.25,"end":3124.67,"sentiment":"neutral","sentiment_score":0.014698526688984461},{"text":"If you need to put it off for a little while, that's okay.","start":3124.8098,"end":3127.39,"sentiment":"neutral","sentiment_score":-0.025575965356368285},{"text":"Please take your time.","start":3127.8499,"end":3128.89,"sentiment":"neutral","sentiment_score":0.13160854578018188},{"text":"Let me know if there's anything you need.","start":3128.89,"end":3130.75,"sentiment":"neutral","sentiment_score":0.1629960322752595}],"sentiment":"neutral","sentiment_score":0.04130785550094313,"num_words":36,"start":3121.0498,"end":3130.75},{"sentences":[{"text":"In my world, there is no such thing as a silly question.","start":3131.225,"end":3133.785,"sentiment":"neutral","sentiment_score":-0.028347373008728027},{"text":"If it's something that you wanna know, you pop it down, and I will happily answer it for you.","start":3133.785,"end":3138.585,"sentiment":"neutral","sentiment_score":0.14653277279515015},{"text":"Okay?","start":3138.585,"end":3139.085,"sentiment":"neutral","sentiment_score":0.03136942535638809},{"text":"Beautiful.","start":3141.625,"end":3142.125,"sentiment":"neutral","sentiment_score":0.04460917040705681},{"text":"Yes.","start":3144.825,"end":3145.325,"sentiment":"neutral","sentiment_score":-0.04773945361375809}],"sentiment":"neutral","sentiment_score":0.07271156909272951,"num_words":34,"start":3131.225,"end":3145.325},{"sentences":[{"text":"It's a 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all.","start":3161.195,"end":3162.975,"sentiment":"positive","sentiment_score":0.4639636959348406},{"text":"Just to let you know, I am taking a little bit of leave after next week, so I will be away from the September 11 until the twenty eighth.","start":3163.355,"end":3171.995,"sentiment":"neutral","sentiment_score":-0.023627715377972043},{"text":"So if you do need anything in that point in time, my team will book you in around that.","start":3171.995,"end":3176.44,"sentiment":"neutral","sentiment_score":0.006080270009605508}],"sentiment":"neutral","sentiment_score":0.046380530841027695,"num_words":60,"start":3158.72,"end":3176.44},{"sentences":[{"text":"But, yeah, just take some time.","start":3176.82,"end":3178.18,"sentiment":"neutral","sentiment_score":0.16101837530732155},{"text":"If you need anything next week, let me know.","start":3178.18,"end":3180.1,"sentiment":"neutral","sentiment_score":0.23801367481549582},{"text":"I'll happily take time to answer questions and help you out.","start":3180.1,"end":3183.16,"sentiment":"positive","sentiment_score":0.6655403863299977},{"text":"And then, yeah, I'll be back after the twenty eighth, then I'll, yeah, be there to, you know, ask answer any additional questions you have.","start":3183.62,"end":3190.205,"sentiment":"neutral","sentiment_score":0.2507624197006226},{"text":"I will send you an email as well.","start":3190.205,"end":3192.285,"sentiment":"neutral","sentiment_score":0.30685969069600105}],"sentiment":"neutral","sentiment_score":0.3246290778457108,"num_words":59,"start":3176.82,"end":3192.285},{"sentences":[{"text":"That way, you've got my email there because periodically through my holidays, I do check my emails.","start":3192.285,"end":3197.645,"sentiment":"neutral","sentiment_score":0.26140521379078135},{"text":"Otherwise, they bank up.","start":3197.645,"end":3199.105,"sentiment":"neutral","sentiment_score":0.14021534100174904},{"text":"So if there is something that you need, you're welcome to email me.","start":3199.6199,"end":3202.5798,"sentiment":"positive","sentiment_score":0.3502708260829632},{"text":"And as I check my emails periodically through my leave, I can answer the questions for you as well.","start":3202.5798,"end":3208.5798,"sentiment":"neutral","sentiment_score":0.22671277977918325},{"text":"Okay.","start":3208.5798,"end":3209.0798,"sentiment":"neutral","sentiment_score":0.08117996156215668}],"sentiment":"neutral","sentiment_score":0.2582776576832489,"num_words":54,"start":3192.285,"end":3209.0798},{"sentences":[{"text":"Yeah.","start":3216.6748,"end":3216.9949,"sentiment":"neutral","sentiment_score":0.009463340044021606},{"text":"No.","start":3216.9949,"end":3217.315,"sentiment":"neutral","sentiment_score":-0.10130343586206436},{"text":"Honestly, I I you're right.","start":3217.315,"end":3221.4949,"sentiment":"neutral","sentiment_score":-0.08201974928379059},{"text":"Yeah.","start":3232.69,"end":3233.19,"sentiment":"neutral","sentiment_score":0.050675131380558014},{"text":"That's okay.","start":3233.77,"end":3235.35,"sentiment":"neutral","sentiment_score":0.15793501399457455}],"sentiment":"neutral","sentiment_score":-0.013539368286728859,"num_words":10,"start":3216.6748,"end":3235.35},{"sentences":[{"text":"Yep.","start":3240.29,"end":3240.79,"sentiment":"neutral","sentiment_score":0.10247992724180222},{"text":"Think about 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bit?","start":3260.4001,"end":3271.065,"sentiment":"negative","sentiment_score":-0.4739471323788166},{"text":"Mhmm.","start":3278.025,"end":3278.525,"sentiment":"neutral","sentiment_score":-0.13901624083518982},{"text":"Yep.","start":3286.265,"end":3286.62,"sentiment":"neutral","sentiment_score":0.02933242917060852},{"text":"Yeah.","start":3295.9001,"end":3296.4001,"sentiment":"positive","sentiment_score":0.4378895163536072},{"text":"Yeah.","start":3305.595,"end":3306.095,"sentiment":"neutral","sentiment_score":0.11513802409172058}],"sentiment":"negative","sentiment_score":-0.42078503559936176,"num_words":44,"start":3260.4001,"end":3306.095},{"sentences":[{"text":"Yeah.","start":3306.315,"end":3306.815,"sentiment":"neutral","sentiment_score":0.07381211221218109},{"text":"Yeah.","start":3312.395,"end":3312.84,"sentiment":"neutral","sentiment_score":-0.14896813035011292},{"text":"Yeah.","start":3314.28,"end":3314.78,"sentiment":"neutral","sentiment_score":-0.13399645686149597},{"text":"Yes.","start":3353.24,"end":3353.74,"sentiment":"neutral","sentiment_score":0.20177654922008512},{"text":"Correct.","start":3355.485,"end":3355.965,"sentiment":"neutral","sentiment_score":0.12889501452445984}],"sentiment":"neutral","sentiment_score":0.024303817749023432,"num_words":5,"start":3306.315,"end":3355.965},{"sentences":[{"text":"Yeah.","start":3355.965,"end":3356.2852,"sentiment":"neutral","sentiment_score":0.06411541998386383},{"text":"Yeah.","start":3356.2852,"end":3356.5251,"sentiment":"neutral","sentiment_score":0.06627554446458817},{"text":"The insurance premiums are very much yeah.","start":3356.5251,"end":3359.5652,"sentiment":"neutral","sentiment_score":-0.0104843085365636},{"text":"The insurance premiums are very much a lot, and it is eating a lot of new contributions, so that does have an effect on it.","start":3359.5652,"end":3367.185,"sentiment":"neutral","sentiment_score":-0.21018887668848038},{"text":"The main thing with the transfer so the in order to transfer the policy, and this is kind of what we went through last time, in order to transfer the policy from Asgard to hub twenty four, they actually have to transfer the life and pay period either at the same level of cover or have a higher life policy.","start":3367.645,"end":3387.455,"sentiment":"neutral","sentiment_score":0.018715314070383706}],"sentiment":"neutral","sentiment_score":-0.04334896030102638,"num_words":94,"start":3355.965,"end":3387.455},{"sentences":[{"text":"So we either have to bring the life policy up to where your TPD is, and I could always get a quote sent through to you to show you if we just increase the life to the level of TBD, what that might look like in case you're comfortable with just maybe increasing to that level.","start":3387.455,"end":3403.41,"sentiment":"neutral","sentiment_score":0.033431371341326406},{"text":"That way, we can still transfer the policy and consolidate your funds to make everything work a bit better, or we have to bring the TBD down.","start":3403.47,"end":3412.3948,"sentiment":"neutral","sentiment_score":0.057137131346044714},{"text":"And that was definitely something we talked about in the past that you were not comfortable with reducing the TBD back in any way.","start":3412.3948,"end":3418.8948,"sentiment":"negative","sentiment_score":-0.3406711705029011},{"text":"So especially with this mortgage now hanging over your head.","start":3419.835,"end":3422.82,"sentiment":"negative","sentiment_score":-0.3700257159769535},{"text":"So we do have to kinda do something with the life to bring it up to at least the level of if it is transferred.","start":3422.9001,"end":3428.04,"sentiment":"neutral","sentiment_score":0.022632431909441947}],"sentiment":"neutral","sentiment_score":-0.055603486708772014,"num_words":142,"start":3387.455,"end":3428.04},{"sentences":[{"text":"But in saying that, what we could always do is when we go through underwriting, we can always go through the underwriting.","start":3428.9001,"end":3436.2,"sentiment":"neutral","sentiment_score":0.05840610492635857},{"text":"They never put the policy in full until they come back with terms.","start":3436.26,"end":3440.4749,"sentiment":"neutral","sentiment_score":0.06573888602165076},{"text":"So we could always go through the underwriting process, have it underwritten with everything that's being recommended, and then when they come back with the terms and they've completed it and they come back and tell us what they're gonna offer as the final offer, then you always get the option to say, hey.","start":3440.4749,"end":3456.74,"sentiment":"neutral","sentiment_score":0.09398353167085184},{"text":"No.","start":3456.74,"end":3457.06,"sentiment":"neutral","sentiment_score":-0.09918701648712158},{"text":"I don't want that level.","start":3457.06,"end":3458.5,"sentiment":"neutral","sentiment_score":-0.1571820080280304}],"sentiment":"neutral","sentiment_score":0.06662687873957973,"num_words":95,"start":3428.9001,"end":3458.5},{"sentences":[{"text":"Let's reduce it.","start":3458.5,"end":3459.46,"sentiment":"neutral","sentiment_score":-0.04838655019799868},{"text":"Or, no.","start":3459.46,"end":3459.86,"sentiment":"neutral","sentiment_score":-0.0515908719971776},{"text":"I've decided not to take the trauma cover.","start":3459.86,"end":3462.2,"sentiment":"neutral","sentiment_score":-0.13720870949327946},{"text":"Thanks, but no.","start":3462.34,"end":3463.14,"sentiment":"neutral","sentiment_score":0.10568496584892273},{"text":"Thanks.","start":3463.14,"end":3463.64,"sentiment":"neutral","sentiment_score":0.2087920904159546}],"sentiment":"neutral","sentiment_score":-0.04824494603363907,"num_words":17,"start":3458.5,"end":3463.64},{"sentences":[{"text":"So you don't have to even when you get to that point, you don't have to accept the cover.","start":3463.86,"end":3468.02,"sentiment":"neutral","sentiment_score":-0.02418965228686207},{"text":"You can alter it, but it means they underwrite the policy anyway.","start":3468.02,"end":3471.915,"sentiment":"neutral","sentiment_score":0.04996402965237697},{"text":"We make them do the work regardless of whether you're gonna take that policy or not.","start":3471.9749,"end":3476.375,"sentiment":"neutral","sentiment_score":0.12234615720808506},{"text":"So it's just another kind of option for you there.","start":3476.375,"end":3478.875,"sentiment":"neutral","sentiment_score":0.21208026111125947},{"text":"I'm happy to go with whatever you decide.","start":3479.655,"end":3482.2349,"sentiment":"positive","sentiment_score":0.40620727837085724}],"sentiment":"neutral","sentiment_score":0.11489175870441473,"num_words":65,"start":3463.86,"end":3482.2349},{"sentences":[{"text":"Yeah.","start":3483.655,"end":3484.155,"sentiment":"neutral","sentiment_score":0.15357154607772827},{"text":"Yep.","start":3484.215,"end":3484.62,"sentiment":"neutral","sentiment_score":0.15295135974884033},{"text":"Yep.","start":3484.7002,"end":3485.2002,"sentiment":"neutral","sentiment_score":0.16726520657539368},{"text":"And then if we're touching base every six months.","start":3485.58,"end":3488.1602,"sentiment":"neutral","sentiment_score":0.13014979991647932},{"text":"Yep.","start":3489.1802,"end":3489.6802,"sentiment":"neutral","sentiment_score":0.18800602853298187}],"sentiment":"neutral","sentiment_score":0.141010949244866,"num_words":13,"start":3483.655,"end":3489.6802},{"sentences":[{"text":"Yeah.","start":3489.9001,"end":3490.2202,"sentiment":"positive","sentiment_score":0.35424816608428955},{"text":"Perfect.","start":3490.2202,"end":3490.7202,"sentiment":"positive","sentiment_score":0.6160784959793091},{"text":"Perfect.","start":3490.9402,"end":3491.4202,"sentiment":"positive","sentiment_score":0.5557457804679871},{"text":"And then every six months, we can review what's happening and look at what's happening with your expenses and maybe increase contributions incrementally along with your comfort level.","start":3491.4202,"end":3500.2402,"sentiment":"neutral","sentiment_score":0.27618370418037685},{"text":"If you've got a nice chunk of savings end of financial year, we can also look at making a nice big deductible contribution into super, take advantage of putting more money in, and maybe give you a bit of a tax deduction there as well.","start":3500.755,"end":3512.195,"sentiment":"positive","sentiment_score":0.39032492405838437}],"sentiment":"positive","sentiment_score":0.35294523345012413,"num_words":76,"start":3489.9001,"end":3512.195},{"sentences":[{"text":"So there's definitely other things that we can do.","start":3512.195,"end":3515.42,"sentiment":"positive","sentiment_score":0.38078659441736007},{"text":"I just wanted to start with your comfort level, show you what this looks like, and be as honest and open as possible with you.","start":3515.64,"end":3522.7,"sentiment":"positive","sentiment_score":0.48066993355751036},{"text":"Let you see it, read it, take take it all in, and then we kinda build on there for you.","start":3522.92,"end":3528.8252,"sentiment":"neutral","sentiment_score":0.32856040447950363},{"text":"So there's lots of other things that we can do, lots of other places that we can start.","start":3528.8252,"end":3533.625,"sentiment":"neutral","sentiment_score":0.08603423688974646},{"text":"I just didn't wanna overwhelm you by going too far into it.","start":3533.625,"end":3536.5051,"sentiment":"neutral","sentiment_score":-0.21638121517995992}],"sentiment":"neutral","sentiment_score":0.24960806500166655,"num_words":84,"start":3512.195,"end":3536.5051},{"sentences":[{"text":"I felt like this was probably overwhelming enough.","start":3536.5051,"end":3538.685,"sentiment":"neutral","sentiment_score":-0.3117828033864498},{"text":"So then we kinda build on that from there if that makes sense.","start":3538.985,"end":3545.16,"sentiment":"neutral","sentiment_score":-0.022269088201797925},{"text":"Yeah.","start":3545.8599,"end":3546.3599,"sentiment":"neutral","sentiment_score":0.10838235914707184},{"text":"There is, and I'm so so sorry.","start":3550.42,"end":3552.44,"sentiment":"neutral","sentiment_score":-0.05631049908697605},{"text":"The better.","start":3559.295,"end":3559.955,"sentiment":"neutral","sentiment_score":-0.03501013666391373}],"sentiment":"neutral","sentiment_score":-0.10127651553240515,"num_words":31,"start":3536.5051,"end":3559.955},{"sentences":[{"text":"Yeah.","start":3560.495,"end":3560.995,"sentiment":"neutral","sentiment_score":-0.09197117388248444},{"text":"Absolutely.","start":3566.0151,"end":3566.5151,"sentiment":"neutral","sentiment_score":0.04821150749921799},{"text":"Absolutely.","start":3568.175,"end":3568.675,"sentiment":"neutral","sentiment_score":0.13255371153354645},{"text":"Absolutely.","start":3569.75,"end":3570.25,"sentiment":"neutral","sentiment_score":0.09786146134138109},{"text":"No.","start":3570.79,"end":3571.1099,"sentiment":"neutral","sentiment_score":-0.0055660344660282135}],"sentiment":"neutral","sentiment_score":0.03621789440512657,"num_words":5,"start":3560.495,"end":3571.1099},{"sentences":[{"text":"I completely understand.","start":3571.1099,"end":3572.3298,"sentiment":"neutral","sentiment_score":-0.006768436481555303},{"text":"So no.","start":3572.47,"end":3573.03,"sentiment":"neutral","sentiment_score":-0.06577842310070992},{"text":"Look.","start":3573.03,"end":3573.27,"sentiment":"neutral","sentiment_score":0.05724857747554779},{"text":"Thank you so much.","start":3573.27,"end":3574.0698,"sentiment":"positive","sentiment_score":0.5976467579603195},{"text":"I will let you go so you can go and have dinner, take some time, and read it over.","start":3574.0698,"end":3578.89,"sentiment":"positive","sentiment_score":0.36978745460510254}],"sentiment":"neutral","sentiment_score":0.321446037626472,"num_words":29,"start":3571.1099,"end":3578.89},{"sentences":[{"text":"I'll send you an email shortly so you've got my email there as well.","start":3579.03,"end":3582.49,"sentiment":"neutral","sentiment_score":0.24721732948507583},{"text":"And then any questions you have, just let me know, and we can kinda go from there for you.","start":3582.825,"end":3587.2249,"sentiment":"neutral","sentiment_score":0.23971129326443924},{"text":"Okay?","start":3587.2249,"end":3587.7249,"sentiment":"neutral","sentiment_score":0.11564543843269348},{"text":"Beautiful.","start":3590.265,"end":3590.765,"sentiment":"positive","sentiment_score":0.36761143803596497},{"text":"Thank you.","start":3592.105,"end":3592.925,"sentiment":"neutral","sentiment_score":0.16266190260648727}],"sentiment":"neutral","sentiment_score":0.2384902126080281,"num_words":37,"start":3579.03,"end":3592.925},{"sentences":[{"text":"Yep.","start":3595.705,"end":3595.98,"sentiment":"neutral","sentiment_score":0.04168325290083885},{"text":"Yep.","start":3597.26,"end":3597.76,"sentiment":"neutral","sentiment_score":0.027821507304906845},{"text":"Yep.","start":3599.5,"end":3600.0,"sentiment":"neutral","sentiment_score":-0.0003817988035734743},{"text":"Mhmm.","start":3603.74,"end":3604.24,"sentiment":"neutral","sentiment_score":-0.04804757237434387},{"text":"Mhmm.","start":3606.22,"end":3606.72,"sentiment":"neutral","sentiment_score":-0.05456164479255676}],"sentiment":"neutral","sentiment_score":-0.006697251152945683,"num_words":5,"start":3595.705,"end":3606.72},{"sentences":[{"text":"Yep.","start":3612.845,"end":3613.345,"sentiment":"neutral","sentiment_score":-0.015944166108965874},{"text":"Yeah.","start":3620.365,"end":3620.865,"sentiment":"neutral","sentiment_score":-0.013067683205008509},{"text":"Yeah.","start":3621.485,"end":3621.81,"sentiment":"neutral","sentiment_score":0.07921549677848816},{"text":"Absolutely.","start":3622.37,"end":3622.87,"sentiment":"neutral","sentiment_score":0.16722726821899414},{"text":"Absolutely.","start":3623.6501,"end":3624.1501,"sentiment":"neutral","sentiment_score":0.16197319328784943}],"sentiment":"neutral","sentiment_score":0.07588082179427147,"num_words":5,"start":3612.845,"end":3624.1501},{"sentences":[{"text":"Yeah.","start":3625.1702,"end":3625.4102,"sentiment":"neutral","sentiment_score":0.09219801425933838},{"text":"No.","start":3625.4102,"end":3625.73,"sentiment":"neutral","sentiment_score":0.02004117891192436},{"text":"I I definitely agree.","start":3625.73,"end":3627.19,"sentiment":"neutral","sentiment_score":0.11619168892502785},{"text":"Yep.","start":3628.61,"end":3629.11,"sentiment":"neutral","sentiment_score":0.104481041431427},{"text":"Absolutely.","start":3633.57,"end":3634.07,"sentiment":"positive","sentiment_score":0.3656216561794281}],"sentiment":"neutral","sentiment_score":0.13088858081027865,"num_words":8,"start":3625.1702,"end":3634.07},{"sentences":[{"text":"That's exactly right.","start":3634.61,"end":3635.99,"sentiment":"positive","sentiment_score":0.551664928595225},{"text":"I like it.","start":3636.29,"end":3637.125,"sentiment":"positive","sentiment_score":0.6139928897221884},{"text":"Yes.","start":3641.845,"end":3642.345,"sentiment":"neutral","sentiment_score":0.1621769219636917},{"text":"Yep.","start":3644.565,"end":3645.065,"sentiment":"neutral","sentiment_score":0.04332331568002701},{"text":"Yes.","start":3645.845,"end":3646.345,"sentiment":"neutral","sentiment_score":0.09272250533103944}],"sentiment":"positive","sentiment_score":0.4216884664363331,"num_words":9,"start":3634.61,"end":3646.345},{"sentences":[{"text":"Yep.","start":3650.165,"end":3650.46,"sentiment":"neutral","sentiment_score":0.05901557207107544},{"text":"Yep.","start":3657.5,"end":3658.0,"sentiment":"neutral","sentiment_score":0.013026205822825432},{"text":"That's okay.","start":3665.26,"end":3666.355,"sentiment":"neutral","sentiment_score":0.019011462747585032},{"text":"Yeah.","start":3679.8699,"end":3680.1099,"sentiment":"neutral","sentiment_score":0.2745322287082672},{"text":"Perfect.","start":3680.1099,"end":3680.6099,"sentiment":"positive","sentiment_score":0.6530138254165649}],"sentiment":"neutral","sentiment_score":0.1729351262523172,"num_words":6,"start":3650.165,"end":3680.6099},{"sentences":[{"text":"Not a problem at all.","start":3680.75,"end":3681.8699,"sentiment":"positive","sentiment_score":0.6595571637153625},{"text":"I like it.","start":3681.8699,"end":3682.77,"sentiment":"positive","sentiment_score":0.8369231025377909},{"text":"Thank you so much for your time this afternoon.","start":3683.15,"end":3685.49,"sentiment":"positive","sentiment_score":0.7745723393228319},{"text":"I hope you have a good weekend.","start":3685.95,"end":3687.73,"sentiment":"positive","sentiment_score":0.553928826536451},{"text":"No.","start":3688.5898,"end":3688.91,"sentiment":"neutral","sentiment_score":0.20321188867092133}],"sentiment":"positive","sentiment_score":0.6744167941808701,"num_words":25,"start":3680.75,"end":3688.91},{"sentences":[{"text":"My pleasure.","start":3688.91,"end":3689.57,"sentiment":"positive","sentiment_score":0.6840456128120422},{"text":"Thank you for letting me put this together.","start":3689.95,"end":3691.55,"sentiment":"positive","sentiment_score":0.8304304257035255},{"text":"I actually really enjoyed it, so it's been really fun.","start":3691.55,"end":3694.45,"sentiment":"positive","sentiment_score":0.8725984811782836},{"text":"Yes.","start":3695.585,"end":3695.9048,"sentiment":"positive","sentiment_score":0.7517174482345581},{"text":"I look forward to helping you reach your goals and move forward and build on this and, yeah, get you super working harder.","start":3695.9048,"end":3702.7048,"sentiment":"positive","sentiment_score":0.8324445874794669}],"sentiment":"positive","sentiment_score":0.8326241455294869,"num_words":44,"start":3688.91,"end":3702.7048},{"sentences":[{"text":"That's the most important thing.","start":3702.7048,"end":3704.1648,"sentiment":"positive","sentiment_score":0.6090610384941101},{"text":"You work too hard to not enjoy your retirement.","start":3704.305,"end":3706.7249,"sentiment":"neutral","sentiment_score":0.21480127175649008},{"text":"So it's a bit of a pet love of mine to make sure everyone gets their retirement and enjoys their retirement years.","start":3706.9448,"end":3713.78,"sentiment":"positive","sentiment_score":0.6590461703864011},{"text":"So we will get there.","start":3713.78,"end":3715.64,"sentiment":"positive","sentiment_score":0.5302317976951599},{"text":"My pleasure.","start":3720.7551,"end":3721.655,"sentiment":"positive","sentiment_score":0.628339022397995}],"sentiment":"positive","sentiment_score":0.5438458004663157,"num_words":43,"start":3702.7048,"end":3721.655},{"sentences":[{"text":"No worries.","start":3722.2751,"end":3722.915,"sentiment":"positive","sentiment_score":0.38974419236183167},{"text":"Thanks, Steven.","start":3722.915,"end":3723.5552,"sentiment":"positive","sentiment_score":0.6521758437156677},{"text":"You have a good night.","start":3723.5552,"end":3724.355,"sentiment":"positive","sentiment_score":0.6266670227050781},{"text":"I'll talk to you soon.","start":3724.355,"end":3725.495,"sentiment":"neutral","sentiment_score":0.32540902495384216},{"text":"Thanks.","start":3727.875,"end":3728.2751,"sentiment":"positive","sentiment_score":0.5286833047866821}],"sentiment":"positive","sentiment_score":0.4915269076824188,"num_words":15,"start":3722.2751,"end":3728.2751},{"sentences":[{"text":"See you later.","start":3728.2751,"end":3728.995,"sentiment":"positive","sentiment_score":0.37000558773676556},{"text":"Bye.","start":3728.995,"end":3729.495,"sentiment":"neutral","sentiment_score":0.19469642639160156}],"sentiment":"neutral","sentiment_score":0.32617829740047455,"num_words":4,"start":3728.2751,"end":3729.495}]}}]},{"alternatives":[{"transcript":"I'm sorry, guys. I will catch up with you, though. Alright. Thanks for everything. Hey. How you doing? No. No. No. No. No. No. No. That's alright. I'll say no to that. I'm leaving a friend's family friend's place. Yeah. Yeah. That sounds good. Thank you. That's alright. Yep. That's alright. That's alright. Cool. Yeah. That's fine. Yeah. It's Steven Charles Brown, May 2 1986, and 17 Byron Drive, Jimboomba, Queensland 4280. Okay. Yes. Yep. Yep. Yep. Yep. Awesome. Yep. Yep. Yeah. Yeah. Yeah. Yep. Yep. Yep. Yep. Yep. Yep. Is now a good time to say, can we turn the recording off? No. No. No. No. It wasn't that. It it was just gonna be holy shit. Yeah. I wasn't expecting that for, like, $500 up to 4,500. Wow. Yep. Okay. So that's not a definite that's not a definite price then that it's you've you have over quite okay. Okay. That's cool. Yep. Yes. Yep. Yep. Okay. Yeah. Yep. Yeah. That makes sense. Yes. Yep. Yeah. Yep. Yep. Yep. Yeah. Yeah. Well, I I did it to be higher, obviously, because of the other stuff, excuse me, where it gets increased. So at the moment, where I stand and and the information that you've told me so far, how far out of this deficit am I compared to where I was? So overall, seven thousand, or I'm talking eleven, twelve thousand ish? Yep. Yeah. Yeah. Yep. Yep. Yeah. Yep. Yeah. No. I do. Because, I mean, I'm I'm only 40. So, yeah, I've still got at least 20 seven years. Am I? I don't know. I've never mentioned, but I have no idea. Yeah. Oh, no. Yeah. Yeah. Yeah. Yeah. Yeah. Sorry. What was that? Sorry. What was that percentage? I just hit the wall with something, and I didn't hear it. Oh, yeah. Yep. Well, I definitely love the 10 14 better than four. Yep. Yeah. That's good. Because after our last conversation, I've seen that they they did a buy, and I'm like, hang on a minute. You're telling me, no. Don't buy into it, and then they're buying into it. I'm like, oh, hang on. Yeah. Mhmm. Yep. Yep. No. I wasn't. Mhmm. Yep. Mhmm. Yep. Yep. Mhmm. Sounds good. Yeah. Where do I find that? Because I can actually look at that now. In the SOA? Sorry. I was I just opened something else. I was I was in the hub 24 document. I'm like, 491 pages. I'm like, holy crap. Please don't tell me she's gonna direct me to this one. I didn't think it was the PDF. I thought it was, like, else. But anyway, they have four 191 pages. I was like, oh, damn. Yeah. Last six. Yeah. Yeah. Alright. Second of advice. What was the last two twenty two? 2223. Okay. Alright. I I can see these figures now. Oh, yeah. Toggle light, toggle balance. Yep. Okay. Okay. Well, that's next to nothing. So yeah. That's I've I've had worse, but yeah. That's pretty good. I was expecting you to say at least a 100 and something. Yeah. Yep. Yep. Yeah. No. That sounds good because, yeah, between me and my partner, my super balance is dismal, and he's only got three more years on me. So oh, actually, hang on. What am I forty no. He's got five years on me. Because yeah. Yeah. Leaps and bounds different. It's not a small difference. It's a a huge difference. And he does nothing with you. Yeah. And I said that he does nothing with you. He literally just wants to do his thing. I'm like, he sucks. Right. Yep. Yep. That sounds good. Okay. Mhmm. Yeah. Sorry. What what page was that? Oh, yep. There we go. Mhmm. Yeah. I'll have to give him to that. Mhmm. Yes. Sorry. Where was that? Page 50 three. Okay. Oh, yeah. It's just the from what I can see, it's just a blank part. Above sorry. The white police sign. That's why I was like, hang on a minute. Let me see something. Where am I? That's alright. Yeah. Okay. So I'm just on page it's actually page 29 of the SOA. It says income protection down the bottom at that amount per month. Is that right? That seems oh, that's good. Okay. That's the benefit. Oh, my god. How much are you paying? So on page 28. Oh, yeah. Yeah. Then. 30. Oh, yeah. Year. Okay. Alright. So what I do need to so what I do need to find out is if I do go ahead with these, how how is it all financed and because I know now I pay some out of pocket and I'm out of super. What is there somewhere in here that tells me exactly how much I will be contributing out of a pocket? Well, yeah, each policy, but also out of pocket. Excuse me. Yeah. Okay. Yeah. Mhmm. Exclosing spondylitis. That that was a traumatic experience. Okay. Well, yeah, I'll I'll that's alright. Yeah. Yeah. I'll have to definitely take that on board and do some number crunching and everything and figure out where I go from there. Yep. Mhmm. No. Alright. I have one other question. Based on this recommendation, can you just tell me the total that would be coming out of my super without me digging through it all? Yep. What what for the new recommended one? Is that what page I was looking at? Alright. What was that? That was page 20. Mhmm. I Alright. So if if we do the salary sacrifice for for 50 was it a week or fortnight? A little a wait. Is that gonna be enough to put back in what the insurance policy takes out? Alright. Yep. Yeah. Yeah. Yep. Okay. So that $220.22 is gonna be plus 59 plus 430. And what is that right? 50 per week. 50. Right. That's not right, Steven. It'll be about 200 and $15. Yeah. So 50 times 4.3, that's roughly $215 extra per month on top of that for salary sacrifice per month. Yeah. If we go on the recommendation of $50 a week, $50 a week, that works out to sorry. I'm sorry. What was that? 2,600 PE? Yeah. Okay. That's 217, roughly, per month based on the 4.3, whatever it is. Yeah. That's what I was trying to figure out. Yeah. No. I get paid fortnightly. So yeah. Yeah. My brain's crossing between week to four to month. So it's yeah. No. No. No. No. No. No. No. That's fine. No. Let's just say this last week has been horrendous and traumatic, and workload is phenomenal. But no. That's alright. No. Unfortunately, Friday last week, my grandmother passed away, so we've been dealing with that and everything as well. So that's why I where where I was this afternoon, I was like, can I just call you back at all? Can you call me back in ten? Because I was just finalizing that conversation with someone. So but Yes. Okay. I'm sorry. I'll I'll have to get through everything because, yeah, as I said, my brain is like my brain is I don't know what my brain is at the moment. It's half left, half right, and half in between, and half non existent. So that's him. Uh-huh. Yeah. Mhmm. Okay. All. I don't expect you to do that. You're on holidays. Enjoy your holidays. If anything, I'll I'll probably create I'll probably create a draft or something, and then when I know that well, I know your holiday dates because you've just told me them. So, yeah, I'll probably send it after once I come to you. But all all the recommendations and everything, I'm I'm happy with. The insurance is all have to review and definitely think about that because, yeah, between rent and a mortgage and extra bills and everything else, And as you said, the cost of living, you know, they have all have to sit down and crunch the numbers on that. Look. A bit of well, trauma definitely because that is a big chunk of money. But, understandably, it's also in the event that that does occur that, you know, that's a lump sum payment of two years worth of wages. If something were to happen, that is covered under that. So I I I understand that. If their loadings come in better than than what has been quoted on here, that would be awesome. But, I mean, I can't like, I know that you can't guarantee that that that comes down to the underwriters. So, yeah, that that's gonna be a big thing. The other thing that well, the other side that's gnawing at me is, like, even with me salary sacrificing into it, I'm still taking more out than what's coming in. So, you know, the yeah. I feel like that's biting into it and that the fund is relying on good performance out of the recommendations for where funds are invested, if that makes sense. I think that's where my brain is. Mhmm. Yeah. Yep. Yep. Yeah. Mhmm. I think that'd probably be the better way. Yeah. Yeah. Because I do think that'd probably be the better way. Mhmm. Yep. Yep. Mhmm. Yeah. Yeah. No. That's good. Yeah. Because there is definitely a lot of information. No. That's well, information the, well, the more information you have, the the more informed you are, but also the more overwhelmed you become at the same time. So, you know, it's double its blade. What do you do? Yeah. Mhmm. Alright. No. That's that sounds good. But, yeah, as I said, in regards to the insurance, because I think that would probably be the way that I go do go through the underwriting. That way we know exactly where we are because as you said, like, what what's being quoted here is quite the maximum that that they can potentially do unless they find anything untoward that hasn't been disclosed, etcetera. And then from there, hopefully, they'd be nice and and and not take the top loading and see where we come at. And then, yeah, we'll be a bit more informed. And for the money that they charge everybody at the end of the day, make them do the work for a change. That's where I'm thinking at the moment. But, yeah, I'll as I said, I'll I'll review everything. If I come up with anything else, I will do I I will reach out. But, yeah, I'll, like, I'll create a draft of my questions, etcetera, especially, like like, they're saying it probably won't get to you before you leave holidays based on everything else that's going on at the moment. But, yeah, once you're back, then I can either organize the time to come in and see you and go through everything, or we can organize the phone call or do whatever. Get from there. Alright. Likewise. Thank you. Oh. Yep. Great. Sounds good. Alright. Well, thank you again for everything, and I'll let you go home. Yep. You too. Thanks. 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sorry, guys. I will catch up with you, though. Alright. Thanks for everything. Hey.\n\nHow you doing? No. No. No. No.\n\nNo. No. No. That's alright. I'll say no to that.\n\nI'm leaving a friend's family friend's place. Yeah. Yeah. That sounds good. Thank you.\n\nThat's alright. Yep. That's alright. That's alright. Cool.\n\nYeah. That's fine. Yeah. It's Steven Charles Brown, May 2 1986, and 17 Byron Drive, Jimboomba, Queensland 4280. Okay.\n\nYes. Yep. Yep. Yep. Yep.\n\nAwesome. Yep. Yep. Yeah. Yeah.\n\nYeah. Yep. Yep. Yep. Yep.\n\nYep. Yep. Is now a good time to say, can we turn the recording off? No. No.\n\nNo. No. It wasn't that. It it was just gonna be holy shit. Yeah.\n\nI wasn't expecting that for, like, $500 up to 4,500. Wow. Yep. Okay. So that's not a definite that's not a definite price then that it's you've you have over quite okay.\n\nOkay. That's cool. Yep. Yes. Yep.\n\nYep. Okay. Yeah. Yep. Yeah.\n\nThat makes sense. Yes. Yep. Yeah. Yep.\n\nYep. Yep. Yeah. Yeah. Well, I I did it to be higher, obviously, because of the other stuff, excuse me, where it gets increased.\n\nSo at the moment, where I stand and and the information that you've told me so far, how far out of this deficit am I compared to where I was? So overall, seven thousand, or I'm talking eleven, twelve thousand ish? Yep. Yeah. Yeah.\n\nYep. Yep. Yeah. Yep. Yeah.\n\nNo. I do. Because, I mean, I'm I'm only 40. So, yeah, I've still got at least 20 seven years. Am I?\n\nI don't know. I've never mentioned, but I have no idea. Yeah. Oh, no. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Sorry.\n\nWhat was that? Sorry. What was that percentage? I just hit the wall with something, and I didn't hear it. Oh, yeah.\n\nYep. Well, I definitely love the 10 14 better than four. Yep. Yeah. That's good.\n\nBecause after our last conversation, I've seen that they they did a buy, and I'm like, hang on a minute. You're telling me, no. Don't buy into it, and then they're buying into it. I'm like, oh, hang on. Yeah.\n\nMhmm. Yep. Yep. No. I wasn't.\n\nMhmm. Yep. Mhmm. Yep. Yep.\n\nMhmm. Sounds good. Yeah. Where do I find that? Because I can actually look at that now.\n\nIn the SOA? Sorry. I was I just opened something else. I was I was in the hub 24 document. I'm like, 491 pages.\n\nI'm like, holy crap. Please don't tell me she's gonna direct me to this one. I didn't think it was the PDF. I thought it was, like, else. But anyway, they have four 191 pages.\n\nI was like, oh, damn. Yeah. Last six. Yeah. Yeah.\n\nAlright. Second of advice. What was the last two twenty two? 2223. Okay.\n\nAlright. I I can see these figures now. Oh, yeah. Toggle light, toggle balance. Yep.\n\nOkay. Okay. Well, that's next to nothing. So yeah. That's I've I've had worse, but yeah.\n\nThat's pretty good. I was expecting you to say at least a 100 and something. Yeah. Yep. Yep.\n\nYeah. No. That sounds good because, yeah, between me and my partner, my super balance is dismal, and he's only got three more years on me. So oh, actually, hang on. What am I forty no.\n\nHe's got five years on me. Because yeah. Yeah. Leaps and bounds different. It's not a small difference.\n\nIt's a a huge difference. And he does nothing with you. Yeah. And I said that he does nothing with you. He literally just wants to do his thing.\n\nI'm like, he sucks. Right. Yep. Yep. That sounds good.\n\nOkay. Mhmm. Yeah. Sorry. What what page was that?\n\nOh, yep. There we go. Mhmm. Yeah. I'll have to give him to that.\n\nMhmm. Yes. Sorry. Where was that? Page 50 three.\n\nOkay. Oh, yeah. It's just the from what I can see, it's just a blank part. Above sorry. The white police sign.\n\nThat's why I was like, hang on a minute. Let me see something. Where am I? That's alright. Yeah.\n\nOkay. So I'm just on page it's actually page 29 of the SOA. It says income protection down the bottom at that amount per month. Is that right? That seems oh, that's good.\n\nOkay. That's the benefit. Oh, my god. How much are you paying? So on page 28.\n\nOh, yeah. Yeah. Then. 30. Oh, yeah.\n\nYear. Okay. Alright. So what I do need to so what I do need to find out is if I do go ahead with these, how how is it all financed and because I know now I pay some out of pocket and I'm out of super. What is there somewhere in here that tells me exactly how much I will be contributing out of a pocket?\n\nWell, yeah, each policy, but also out of pocket. Excuse me. Yeah. Okay. Yeah.\n\nMhmm. Exclosing spondylitis. That that was a traumatic experience. Okay. Well, yeah, I'll I'll that's alright.\n\nYeah. Yeah. I'll have to definitely take that on board and do some number crunching and everything and figure out where I go from there. Yep. Mhmm.\n\nNo. Alright. I have one other question. Based on this recommendation, can you just tell me the total that would be coming out of my super without me digging through it all? Yep.\n\nWhat what for the new recommended one? Is that what page I was looking at? Alright. What was that? That was page 20.\n\nMhmm. I Alright. So if if we do the salary sacrifice for for 50 was it a week or fortnight? A little a wait. Is that gonna be enough to put back in what the insurance policy takes out?\n\nAlright. Yep. Yeah. Yeah. Yep.\n\nOkay. So that $220.22 is gonna be plus 59 plus 430. And what is that right? 50 per week. 50.\n\nRight. That's not right, Steven. It'll be about 200 and $15. Yeah. So 50 times 4.3, that's roughly $215 extra per month on top of that for salary sacrifice per month.\n\nYeah. If we go on the recommendation of $50 a week, $50 a week, that works out to sorry. I'm sorry. What was that? 2,600 PE?\n\nYeah. Okay. That's 217, roughly, per month based on the 4.3, whatever it is. Yeah. That's what I was trying to figure out.\n\nYeah. No. I get paid fortnightly. So yeah. Yeah.\n\nMy brain's crossing between week to four to month. So it's yeah. No. No. No.\n\nNo. No. No. No. That's fine.\n\nNo. Let's just say this last week has been horrendous and traumatic, and workload is phenomenal. But no. That's alright. No.\n\nUnfortunately, Friday last week, my grandmother passed away, so we've been dealing with that and everything as well. So that's why I where where I was this afternoon, I was like, can I just call you back at all? Can you call me back in ten? Because I was just finalizing that conversation with someone. So but Yes.\n\nOkay. I'm sorry. I'll I'll have to get through everything because, yeah, as I said, my brain is like my brain is I don't know what my brain is at the moment. It's half left, half right, and half in between, and half non existent. So that's him.\n\nUh-huh. Yeah. Mhmm. Okay. All.\n\nI don't expect you to do that. You're on holidays. Enjoy your holidays. If anything, I'll I'll probably create I'll probably create a draft or something, and then when I know that well, I know your holiday dates because you've just told me them. So, yeah, I'll probably send it after once I come to you.\n\nBut all all the recommendations and everything, I'm I'm happy with. The insurance is all have to review and definitely think about that because, yeah, between rent and a mortgage and extra bills and everything else, And as you said, the cost of living, you know, they have all have to sit down and crunch the numbers on that. Look. A bit of well, trauma definitely because that is a big chunk of money. But, understandably, it's also in the event that that does occur that, you know, that's a lump sum payment of two years worth of wages.\n\nIf something were to happen, that is covered under that. So I I I understand that. If their loadings come in better than than what has been quoted on here, that would be awesome. But, I mean, I can't like, I know that you can't guarantee that that that comes down to the underwriters. So, yeah, that that's gonna be a big thing.\n\nThe other thing that well, the other side that's gnawing at me is, like, even with me salary sacrificing into it, I'm still taking more out than what's coming in. So, you know, the yeah. I feel like that's biting into it and that the fund is relying on good performance out of the recommendations for where funds are invested, if that makes sense. I think that's where my brain is. Mhmm.\n\nYeah. Yep. Yep. Yeah. Mhmm.\n\nI think that'd probably be the better way. Yeah. Yeah. Because I do think that'd probably be the better way. Mhmm.\n\nYep. Yep. Mhmm. Yeah. Yeah.\n\nNo. That's good. Yeah. Because there is definitely a lot of information. No.\n\nThat's well, information the, well, the more information you have, the the more informed you are, but also the more overwhelmed you become at the same time. So, you know, it's double its blade. What do you do? Yeah. Mhmm.\n\nAlright. No. That's that sounds good. But, yeah, as I said, in regards to the insurance, because I think that would probably be the way that I go do go through the underwriting. That way we know exactly where we are because as you said, like, what what's being quoted here is quite the maximum that that they can potentially do unless they find anything untoward that hasn't been disclosed, etcetera.\n\nAnd then from there, hopefully, they'd be nice and and and not take the top loading and see where we come at. And then, yeah, we'll be a bit more informed. And for the money that they charge everybody at the end of the day, make them do the work for a change. That's where I'm thinking at the moment. But, yeah, I'll as I said, I'll I'll review everything.\n\nIf I come up with anything else, I will do I I will reach out. But, yeah, I'll, like, I'll create a draft of my questions, etcetera, especially, like like, they're saying it probably won't get to you before you leave holidays based on everything else that's going on at the moment. But, yeah, once you're back, then I can either organize the time to come in and see you and go through everything, or we can organize the phone call or do whatever. Get from there. Alright.\n\nLikewise. Thank you. Oh. Yep. Great.\n\nSounds good. Alright. Well, thank you again for everything, and I'll let you go home. Yep. You too.\n\nThanks. Bye.","paragraphs":[{"sentences":[{"text":"I'm sorry, guys.","start":0.48,"end":1.4399999,"sentiment":"neutral","sentiment_score":-0.12920474261045456},{"text":"I will catch up with you, though.","start":1.4399999,"end":3.1399999,"sentiment":"neutral","sentiment_score":-0.07420418305056435},{"text":"Alright.","start":3.36,"end":3.84,"sentiment":"neutral","sentiment_score":0.20156538486480713},{"text":"Thanks for everything.","start":3.84,"end":4.8199997,"sentiment":"positive","sentiment_score":0.530006488164266},{"text":"Hey.","start":5.44,"end":5.94,"sentiment":"neutral","sentiment_score":0.12895750999450684}],"sentiment":"neutral","sentiment_score":0.06756659001111984,"num_words":15,"start":0.48,"end":5.94},{"sentences":[{"text":"How you doing?","start":7.2799997,"end":8.26,"sentiment":"neutral","sentiment_score":0.1006086990237236},{"text":"No.","start":12.88,"end":13.12,"sentiment":"neutral","sentiment_score":-0.10192830860614777},{"text":"No.","start":13.12,"end":13.28,"sentiment":"neutral","sentiment_score":-0.10138435661792757},{"text":"No.","start":13.28,"end":13.44,"sentiment":"neutral","sentiment_score":-0.09938360005617142},{"text":"No.","start":13.44,"end":13.559999,"sentiment":"neutral","sentiment_score":-0.11780846863985062}],"sentiment":"neutral","sentiment_score":-0.01695409097841808,"num_words":7,"start":7.2799997,"end":13.559999},{"sentences":[{"text":"No.","start":13.559999,"end":13.679999,"sentiment":"neutral","sentiment_score":-0.12101361155509947},{"text":"No.","start":13.679999,"end":13.92,"sentiment":"neutral","sentiment_score":-0.12292599678039552},{"text":"No.","start":13.92,"end":14.16,"sentiment":"neutral","sentiment_score":-0.11385151743888856},{"text":"That's 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alright.","start":78.875,"end":79.615005,"sentiment":"neutral","sentiment_score":0.21830769628286362},{"text":"Cool.","start":86.95,"end":87.45,"sentiment":"neutral","sentiment_score":0.2779730558395386}],"sentiment":"neutral","sentiment_score":0.09854464349336922,"num_words":8,"start":64.450005,"end":87.45},{"sentences":[{"text":"Yeah.","start":96.47,"end":96.79,"sentiment":"neutral","sentiment_score":0.1012122929096222},{"text":"That's fine.","start":96.79,"end":97.61,"sentiment":"neutral","sentiment_score":0.23290453106164932},{"text":"Yeah.","start":105.125,"end":105.365,"sentiment":"neutral","sentiment_score":0.02664436586201191},{"text":"It's Steven Charles Brown, May 2 1986, and 17 Byron Drive, Jimboomba, Queensland 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now a good time to say, can we turn the recording off?","start":487.57,"end":490.79,"sentiment":"neutral","sentiment_score":0.024086491849560004},{"text":"No.","start":505.285,"end":505.445,"sentiment":"negative","sentiment_score":-0.41211652755737305},{"text":"No.","start":505.445,"end":505.605,"sentiment":"negative","sentiment_score":-0.42734548449516296}],"sentiment":"neutral","sentiment_score":-0.032801529611734784,"num_words":17,"start":453.075,"end":505.605},{"sentences":[{"text":"No.","start":505.605,"end":505.76498,"sentiment":"negative","sentiment_score":-0.4334020018577576},{"text":"No.","start":505.76498,"end":506.085,"sentiment":"negative","sentiment_score":-0.4363293945789337},{"text":"It wasn't that.","start":506.085,"end":506.885,"sentiment":"negative","sentiment_score":-0.43510077397028607},{"text":"It it was just gonna be holy 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I I did it to be higher, obviously, because of the other stuff, excuse me, where it gets increased.","start":942.75,"end":953.805,"sentiment":"neutral","sentiment_score":-0.10995423290878534}],"sentiment":"neutral","sentiment_score":-0.07629891904070973,"num_words":24,"start":921.845,"end":953.805},{"sentences":[{"text":"So at the moment, where I stand and and the information that you've told me so far, how far out of this deficit am I compared to where I was?","start":954.345,"end":964.1,"sentiment":"neutral","sentiment_score":-0.031370512768626214},{"text":"So overall, seven thousand, or I'm talking eleven, twelve thousand 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was that?","start":1262.805,"end":1263.51,"sentiment":"neutral","sentiment_score":-0.08829562614361446},{"text":"Sorry.","start":1265.43,"end":1265.93,"sentiment":"neutral","sentiment_score":-0.10191328823566435},{"text":"What was that percentage?","start":1265.99,"end":1267.45,"sentiment":"neutral","sentiment_score":-0.09440348483622074},{"text":"I just hit the wall with something, and I didn't hear it.","start":1267.67,"end":1270.33,"sentiment":"neutral","sentiment_score":-0.19054684167106947},{"text":"Oh, yeah.","start":1276.0701,"end":1276.63,"sentiment":"neutral","sentiment_score":0.018199728801846504}],"sentiment":"neutral","sentiment_score":-0.13611712493002415,"num_words":22,"start":1262.805,"end":1276.63},{"sentences":[{"text":"Yep.","start":1276.63,"end":1276.965,"sentiment":"neutral","sentiment_score":0.042698413133621216},{"text":"Well, I definitely love the 10 14 better than 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income protection down the bottom at that amount per month.","start":2518.505,"end":2523.085,"sentiment":"neutral","sentiment_score":0.0011728708632290361},{"text":"Is that right?","start":2524.265,"end":2525.2449,"sentiment":"neutral","sentiment_score":0.005182635659972827},{"text":"That seems oh, that's good.","start":2526.265,"end":2535.8801,"sentiment":"neutral","sentiment_score":0.3234372340142727}],"sentiment":"neutral","sentiment_score":0.05468948839486323,"num_words":33,"start":2508.9,"end":2535.8801},{"sentences":[{"text":"Okay.","start":2535.8801,"end":2536.2,"sentiment":"neutral","sentiment_score":0.28247421979904175},{"text":"That's the benefit.","start":2536.2,"end":2537.08,"sentiment":"neutral","sentiment_score":0.2481445868810018},{"text":"Oh, my god.","start":2537.08,"end":2537.6401,"sentiment":"neutral","sentiment_score":0.06624411294857661},{"text":"How much are you 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experience.","start":2700.425,"end":2702.125,"sentiment":"negative","sentiment_score":-0.4372930626074473},{"text":"Okay.","start":2719.7998,"end":2720.2,"sentiment":"neutral","sentiment_score":-0.08066225051879883},{"text":"Well, yeah, I'll I'll that's alright.","start":2720.2,"end":2725.975,"sentiment":"neutral","sentiment_score":-0.23425476253032684}],"sentiment":"neutral","sentiment_score":-0.26208512915764004,"num_words":16,"start":2692.8699,"end":2725.975},{"sentences":[{"text":"Yeah.","start":2726.835,"end":2727.335,"sentiment":"neutral","sentiment_score":-0.12235121428966522},{"text":"Yeah.","start":2729.875,"end":2730.195,"sentiment":"neutral","sentiment_score":-0.10096467286348344},{"text":"I'll have to definitely take that on board and do some number crunching and everything and figure out where I go from there.","start":2730.195,"end":2739.7202,"sentiment":"neutral","sentiment_score":-0.13643714850363525},{"text":"Yep.","start":2783.1548,"end":2783.6548,"sentiment":"neutral","sentiment_score":0.1641712784767151},{"text":"Mhmm.","start":2798.61,"end":2799.11,"sentiment":"neutral","sentiment_score":0.09468316286802292}],"sentiment":"neutral","sentiment_score":-0.11490799486637115,"num_words":27,"start":2726.835,"end":2799.11},{"sentences":[{"text":"No.","start":2799.1702,"end":2799.6702,"sentiment":"neutral","sentiment_score":0.10049598664045334},{"text":"Alright.","start":2821.955,"end":2822.455,"sentiment":"neutral","sentiment_score":0.10805688798427582},{"text":"I have one other question.","start":2822.5151,"end":2823.81,"sentiment":"neutral","sentiment_score":0.03749357908964157},{"text":"Based on this recommendation, can you just tell me the total that would be coming out of my super without me digging through it all?","start":2824.9302,"end":2832.23,"sentiment":"neutral","sentiment_score":0.06820790521800518},{"text":"Yep.","start":2836.45,"end":2836.95,"sentiment":"neutral","sentiment_score":0.038829874247312546}],"sentiment":"neutral","sentiment_score":0.06484994772031452,"num_words":33,"start":2799.1702,"end":2836.95},{"sentences":[{"text":"What what for the new recommended one?","start":2837.09,"end":2839.245,"sentiment":"neutral","sentiment_score":0.04382123851350376},{"text":"Is that what page I was looking at?","start":2845.165,"end":2847.1052,"sentiment":"neutral","sentiment_score":0.0193750555627048},{"text":"Alright.","start":2867.275,"end":2867.515,"sentiment":"neutral","sentiment_score":0.057700179517269135},{"text":"What was that?","start":2867.515,"end":2868.075,"sentiment":"neutral","sentiment_score":0.03442992456257343},{"text":"That was page 20.","start":2868.075,"end":2869.775,"sentiment":"neutral","sentiment_score":0.0155666284263134}],"sentiment":"neutral","sentiment_score":0.029782851348104683,"num_words":23,"start":2837.09,"end":2869.775},{"sentences":[{"text":"Mhmm.","start":2873.4248,"end":2873.6748,"sentiment":"neutral","sentiment_score":0.019738655537366867},{"text":"I Alright.","start":2879.115,"end":2884.37,"sentiment":"neutral","sentiment_score":0.0085721998475492},{"text":"So if if we do the salary sacrifice for for 50 was it a week or fortnight?","start":2884.37,"end":2891.67,"sentiment":"neutral","sentiment_score":0.006119310362812351},{"text":"A little a wait.","start":2891.73,"end":2899.225,"sentiment":"neutral","sentiment_score":0.01823156187310815},{"text":"Is that gonna be enough to put back in what the insurance policy takes out?","start":2899.225,"end":2903.645,"sentiment":"neutral","sentiment_score":-0.0015818616996208827}],"sentiment":"neutral","sentiment_score":0.004874606497394733,"num_words":39,"start":2873.4248,"end":2903.645},{"sentences":[{"text":"Alright.","start":2904.905,"end":2905.405,"sentiment":"neutral","sentiment_score":0.003866790561005473},{"text":"Yep.","start":2933.235,"end":2933.49,"sentiment":"neutral","sentiment_score":0.28101420402526855},{"text":"Yeah.","start":2951.7449,"end":2952.2449,"sentiment":"neutral","sentiment_score":0.2649391293525696},{"text":"Yeah.","start":2952.3848,"end":2952.8848,"sentiment":"neutral","sentiment_score":0.3231731057167053},{"text":"Yep.","start":2963.52,"end":2964.02,"sentiment":"neutral","sentiment_score":0.1065216064453125}],"sentiment":"neutral","sentiment_score":0.19590296722017228,"num_words":5,"start":2904.905,"end":2964.02},{"sentences":[{"text":"Okay.","start":2964.8801,"end":2965.3801,"sentiment":"neutral","sentiment_score":0.08909159898757935},{"text":"So that $220.22 is gonna be plus 59 plus 430.","start":2966.48,"end":2977.895,"sentiment":"neutral","sentiment_score":0.056880710273981096},{"text":"And what is that right?","start":2978.675,"end":2980.355,"sentiment":"neutral","sentiment_score":0.024848847091197966},{"text":"50 per week.","start":2980.355,"end":2982.96,"sentiment":"neutral","sentiment_score":0.006749240371088187},{"text":"50.","start":2984.16,"end":2984.4,"sentiment":"neutral","sentiment_score":0.007747038267552853}],"sentiment":"neutral","sentiment_score":0.040506884828209876,"num_words":20,"start":2964.8801,"end":2984.4},{"sentences":[{"text":"Right.","start":2984.4,"end":2984.72,"sentiment":"neutral","sentiment_score":-0.006502818316221237},{"text":"That's not right, Steven.","start":2984.72,"end":2987.8599,"sentiment":"neutral","sentiment_score":-0.19627037644386292},{"text":"It'll be about 200 and $15.","start":2990.16,"end":2992.26,"sentiment":"neutral","sentiment_score":0.006565416852633159},{"text":"Yeah.","start":2995.5999,"end":2996.0999,"sentiment":"neutral","sentiment_score":-0.00656520202755928},{"text":"So 50 times 4.3, that's roughly $215 extra per month on top of that for salary sacrifice per month.","start":2996.32,"end":3007.245,"sentiment":"neutral","sentiment_score":-0.01583145806982525}],"sentiment":"neutral","sentiment_score":-0.03417918478484235,"num_words":31,"start":2984.4,"end":3007.245},{"sentences":[{"text":"Yeah.","start":3011.385,"end":3011.885,"sentiment":"neutral","sentiment_score":0.04124002903699875},{"text":"If we go on the recommendation of $50 a week, $50 a week, that works out to sorry.","start":3012.0251,"end":3024.97,"sentiment":"neutral","sentiment_score":0.056344311166968614},{"text":"I'm sorry.","start":3024.97,"end":3025.79,"sentiment":"neutral","sentiment_score":-0.06666883453726768},{"text":"What was that?","start":3025.85,"end":3026.33,"sentiment":"neutral","sentiment_score":-0.046657065550486244},{"text":"2,600 PE?","start":3026.33,"end":3027.815,"sentiment":"neutral","sentiment_score":-0.006869858596473932}],"sentiment":"neutral","sentiment_score":0.02955342488936507,"num_words":26,"start":3011.385,"end":3027.815},{"sentences":[{"text":"Yeah.","start":3036.115,"end":3036.595,"sentiment":"neutral","sentiment_score":0.03966706991195679},{"text":"Okay.","start":3036.595,"end":3037.095,"sentiment":"neutral","sentiment_score":0.038422755897045135},{"text":"That's 217, roughly, per month based on the 4.3, whatever it is.","start":3045.4102,"end":3053.355,"sentiment":"neutral","sentiment_score":0.031384641925493874},{"text":"Yeah.","start":3054.395,"end":3054.715,"sentiment":"neutral","sentiment_score":-0.020238444209098816},{"text":"That's what I was trying to figure out.","start":3054.715,"end":3056.255,"sentiment":"neutral","sentiment_score":-0.10040681809186935}],"sentiment":"neutral","sentiment_score":-0.01603423739257066,"num_words":23,"start":3036.115,"end":3056.255},{"sentences":[{"text":"Yeah.","start":3059.115,"end":3059.595,"sentiment":"neutral","sentiment_score":0.03267897292971611},{"text":"No.","start":3059.595,"end":3059.835,"sentiment":"neutral","sentiment_score":-0.042718306183815},{"text":"I get paid fortnightly.","start":3059.835,"end":3060.975,"sentiment":"neutral","sentiment_score":-0.033728275913745165},{"text":"So yeah.","start":3061.195,"end":3063.755,"sentiment":"neutral","sentiment_score":0.005197181366384029},{"text":"Yeah.","start":3063.755,"end":3064.255,"sentiment":"neutral","sentiment_score":0.01506711822003126}],"sentiment":"neutral","sentiment_score":-0.013276772884031137,"num_words":9,"start":3059.115,"end":3064.255},{"sentences":[{"text":"My brain's crossing between week to four to month.","start":3064.395,"end":3066.795,"sentiment":"neutral","sentiment_score":-0.004406822327938344},{"text":"So it's yeah.","start":3066.795,"end":3075.55,"sentiment":"neutral","sentiment_score":-0.03515822564562162},{"text":"No.","start":3075.55,"end":3075.71,"sentiment":"neutral","sentiment_score":-0.1299508810043335},{"text":"No.","start":3075.71,"end":3076.03,"sentiment":"neutral","sentiment_score":-0.14912061393260956},{"text":"No.","start":3076.03,"end":3076.43,"sentiment":"neutral","sentiment_score":-0.17096641659736633}],"sentiment":"neutral","sentiment_score":-0.039678265961507954,"num_words":15,"start":3064.395,"end":3076.43},{"sentences":[{"text":"No.","start":3076.43,"end":3076.93,"sentiment":"neutral","sentiment_score":-0.17364688217639923},{"text":"No.","start":3077.31,"end":3077.55,"sentiment":"neutral","sentiment_score":-0.20797133445739743},{"text":"No.","start":3077.55,"end":3077.71,"sentiment":"neutral","sentiment_score":-0.19866278767585752},{"text":"No.","start":3077.71,"end":3078.03,"sentiment":"neutral","sentiment_score":-0.15925541520118713},{"text":"That's fine.","start":3078.03,"end":3078.8499,"sentiment":"neutral","sentiment_score":-0.038666440173983574}],"sentiment":"neutral","sentiment_score":-0.13614488330980143,"num_words":6,"start":3076.43,"end":3078.8499},{"sentences":[{"text":"No.","start":3079.71,"end":3080.21,"sentiment":"neutral","sentiment_score":-0.2452816665172577},{"text":"Let's just say this last week has been horrendous and traumatic, and workload is phenomenal.","start":3081.31,"end":3088.9648,"sentiment":"negative","sentiment_score":-0.4841172327597936},{"text":"But no.","start":3090.065,"end":3092.9448,"sentiment":"neutral","sentiment_score":-0.1799735501408577},{"text":"That's alright.","start":3092.9448,"end":3093.765,"sentiment":"neutral","sentiment_score":-0.08476999029517174},{"text":"No.","start":3094.305,"end":3094.805,"sentiment":"neutral","sentiment_score":-0.18759611248970032}],"sentiment":"negative","sentiment_score":-0.3916249214893296,"num_words":21,"start":3079.71,"end":3094.805},{"sentences":[{"text":"Unfortunately, Friday last week, my grandmother passed away, so we've been dealing with that and everything as well.","start":3096.13,"end":3103.17,"sentiment":"negative","sentiment_score":-0.39670878317621017},{"text":"So that's why I where where I was this afternoon, I was like, can I just call you back at all?","start":3103.17,"end":3108.7449,"sentiment":"neutral","sentiment_score":-0.1261659548396156},{"text":"Can you call me back in ten?","start":3108.7449,"end":3110.285,"sentiment":"neutral","sentiment_score":-0.052905404674155374},{"text":"Because I was just finalizing that conversation with someone.","start":3110.345,"end":3113.065,"sentiment":"neutral","sentiment_score":-0.009150012085835138},{"text":"So but Yes.","start":3113.065,"end":3124.78,"sentiment":"neutral","sentiment_score":-0.08936773737271626}],"sentiment":"neutral","sentiment_score":-0.18122472935195627,"num_words":58,"start":3096.13,"end":3124.78},{"sentences":[{"text":"Okay.","start":3139.415,"end":3139.915,"sentiment":"neutral","sentiment_score":-0.01967880316078663},{"text":"I'm sorry.","start":3140.135,"end":3140.695,"sentiment":"neutral","sentiment_score":-0.08215701952576637},{"text":"I'll I'll have to get through everything because, yeah, as I said, my brain is like my brain is I don't know what my brain is at the moment.","start":3140.695,"end":3150.99,"sentiment":"neutral","sentiment_score":-0.16732295917282844},{"text":"It's half left, half right, and half in between, and half non existent.","start":3151.6902,"end":3155.47,"sentiment":"neutral","sentiment_score":-0.25450774339529186},{"text":"So that's him.","start":3155.85,"end":3157.1501,"sentiment":"neutral","sentiment_score":-0.12076640625794728}],"sentiment":"neutral","sentiment_score":-0.1814012196070204,"num_words":48,"start":3139.415,"end":3157.1501},{"sentences":[{"text":"Uh-huh.","start":3177.27,"end":3177.77,"sentiment":"neutral","sentiment_score":0.12947647273540497},{"text":"Yeah.","start":3187.815,"end":3188.315,"sentiment":"neutral","sentiment_score":0.3029177188873291},{"text":"Mhmm.","start":3206.6902,"end":3207.1902,"sentiment":"neutral","sentiment_score":0.22981888055801392},{"text":"Okay.","start":3209.7302,"end":3210.2302,"sentiment":"neutral","sentiment_score":0.0818515419960022},{"text":"All.","start":3210.585,"end":3211.085,"sentiment":"neutral","sentiment_score":0.05671386793255806}],"sentiment":"neutral","sentiment_score":0.16015569642186164,"num_words":5,"start":3177.27,"end":3211.085},{"sentences":[{"text":"I don't expect you to do that.","start":3212.345,"end":3213.625,"sentiment":"neutral","sentiment_score":-0.21034277762685502},{"text":"You're on holidays.","start":3213.625,"end":3214.425,"sentiment":"neutral","sentiment_score":0.008600369095802307},{"text":"Enjoy your holidays.","start":3214.425,"end":3215.405,"sentiment":"positive","sentiment_score":0.383736918369929},{"text":"If anything, I'll I'll probably create I'll probably create a draft or something, and then when I know that well, I know your holiday dates because you've just told me them.","start":3217.145,"end":3229.6199,"sentiment":"neutral","sentiment_score":0.00818405817112615},{"text":"So, yeah, I'll probably send it after once I come to you.","start":3229.8398,"end":3234.0798,"sentiment":"neutral","sentiment_score":0.05183940473943949}],"sentiment":"neutral","sentiment_score":0.010364126414060593,"num_words":56,"start":3212.345,"end":3234.0798},{"sentences":[{"text":"But all all the recommendations and everything, I'm I'm happy with.","start":3234.0798,"end":3238.785,"sentiment":"positive","sentiment_score":0.511578077619726},{"text":"The insurance is all have to review and definitely think about that because, yeah, between rent and a mortgage and extra bills and everything else, And as you said, the cost of living, you know, they have all have to sit down and crunch the numbers on that.","start":3238.785,"end":3257.81,"sentiment":"neutral","sentiment_score":-0.09326128917746246},{"text":"Look.","start":3272.285,"end":3272.605,"sentiment":"negative","sentiment_score":-0.35978442430496216},{"text":"A bit of well, trauma definitely because that is a big chunk of money.","start":3272.605,"end":3278.23,"sentiment":"negative","sentiment_score":-0.5649325251579285},{"text":"But, understandably, it's also in the event that that does occur that, you know, that's a lump sum payment of two years worth of wages.","start":3279.0898,"end":3288.8699,"sentiment":"neutral","sentiment_score":0.031507910788059236}],"sentiment":"neutral","sentiment_score":-0.0639426771062191,"num_words":99,"start":3234.0798,"end":3288.8699},{"sentences":[{"text":"If something were to happen, that is covered under that.","start":3288.93,"end":3292.565,"sentiment":"neutral","sentiment_score":0.028266012482345105},{"text":"So I I I understand that.","start":3292.785,"end":3294.885,"sentiment":"neutral","sentiment_score":0.08630011975765228},{"text":"If their loadings come in better than than what has been quoted on here, that would be awesome.","start":3297.185,"end":3304.2449,"sentiment":"positive","sentiment_score":0.5729285462035073},{"text":"But, I mean, I can't like, I know that you can't guarantee that that that comes down to the underwriters.","start":3306.62,"end":3312.6401,"sentiment":"neutral","sentiment_score":-0.31897057946771384},{"text":"So, yeah, that that's gonna be a big thing.","start":3316.78,"end":3321.605,"sentiment":"neutral","sentiment_score":-0.1481825452711847}],"sentiment":"neutral","sentiment_score":0.05397016155932631,"num_words":63,"start":3288.93,"end":3321.605},{"sentences":[{"text":"The other thing that well, the other side that's gnawing at me is, like, even with me salary sacrificing into it, I'm still taking more out than what's coming in.","start":3321.605,"end":3333.03,"sentiment":"negative","sentiment_score":-0.41332406004269917},{"text":"So, you know, the yeah.","start":3333.5698,"end":3340.47,"sentiment":"neutral","sentiment_score":-0.07391519099473953},{"text":"I feel like that's biting into it and that the fund is relying on good performance out of the recommendations for where funds are invested, if that makes sense.","start":3340.6099,"end":3355.2249,"sentiment":"neutral","sentiment_score":0.08194702041560206},{"text":"I think that's where my brain is.","start":3356.2449,"end":3357.9,"sentiment":"neutral","sentiment_score":-0.004906838493687766},{"text":"Mhmm.","start":3399.7449,"end":3400.2449,"sentiment":"neutral","sentiment_score":-0.01769792102277279}],"sentiment":"neutral","sentiment_score":-0.14506777714834446,"num_words":72,"start":3321.605,"end":3400.2449},{"sentences":[{"text":"Yeah.","start":3409.345,"end":3409.56,"sentiment":"neutral","sentiment_score":-0.09513668715953828},{"text":"Yep.","start":3429.195,"end":3429.695,"sentiment":"neutral","sentiment_score":0.033979739993810654},{"text":"Yep.","start":3453.0652,"end":3453.5652,"sentiment":"neutral","sentiment_score":0.06509321928024292},{"text":"Yeah.","start":3464.44,"end":3464.94,"sentiment":"neutral","sentiment_score":0.00017141550779342651},{"text":"Mhmm.","start":3473.985,"end":3474.485,"sentiment":"neutral","sentiment_score":0.04333696514368057}],"sentiment":"neutral","sentiment_score":0.009488930553197859,"num_words":5,"start":3409.345,"end":3474.485},{"sentences":[{"text":"I think that'd probably be the better way.","start":3479.905,"end":3482.0852,"sentiment":"positive","sentiment_score":0.39905165135860443},{"text":"Yeah.","start":3483.185,"end":3483.685,"sentiment":"neutral","sentiment_score":0.14920252561569214},{"text":"Yeah.","start":3484.5452,"end":3485.0452,"sentiment":"neutral","sentiment_score":0.17117565870285034},{"text":"Because I do think that'd probably be the better way.","start":3485.185,"end":3487.5,"sentiment":"neutral","sentiment_score":0.14567238986492156},{"text":"Mhmm.","start":3511.625,"end":3512.125,"sentiment":"neutral","sentiment_score":0.2056995928287506}],"sentiment":"neutral","sentiment_score":0.24643880412692115,"num_words":21,"start":3479.905,"end":3512.125},{"sentences":[{"text":"Yep.","start":3523.08,"end":3523.32,"sentiment":"neutral","sentiment_score":0.2440515458583832},{"text":"Yep.","start":3523.32,"end":3523.82,"sentiment":"neutral","sentiment_score":0.2034851759672165},{"text":"Mhmm.","start":3527.16,"end":3527.385,"sentiment":"neutral","sentiment_score":0.21857990324497223},{"text":"Yeah.","start":3542.425,"end":3542.825,"sentiment":"neutral","sentiment_score":0.00984824076294899},{"text":"Yeah.","start":3542.825,"end":3543.09,"sentiment":"neutral","sentiment_score":0.054240573197603226}],"sentiment":"neutral","sentiment_score":0.14604108780622482,"num_words":5,"start":3523.08,"end":3543.09},{"sentences":[{"text":"No.","start":3543.25,"end":3543.4102,"sentiment":"neutral","sentiment_score":0.096636064350605},{"text":"That's good.","start":3543.4102,"end":3543.99,"sentiment":"neutral","sentiment_score":0.28275249898433685},{"text":"Yeah.","start":3545.97,"end":3546.47,"sentiment":"neutral","sentiment_score":0.0755358338356018},{"text":"Because there is definitely a lot of information.","start":3546.61,"end":3548.55,"sentiment":"neutral","sentiment_score":0.02710200776346028},{"text":"No.","start":3553.6501,"end":3553.81,"sentiment":"neutral","sentiment_score":-0.08241437375545502}],"sentiment":"neutral","sentiment_score":0.06708296803900829,"num_words":13,"start":3543.25,"end":3553.81},{"sentences":[{"text":"That's well, information the, well, the more information you have, the the more informed you are, but also the more overwhelmed you become at the same time.","start":3553.81,"end":3564.275,"sentiment":"neutral","sentiment_score":-0.05095199681818485},{"text":"So, you know, it's double its blade.","start":3564.275,"end":3565.9548,"sentiment":"neutral","sentiment_score":-0.0778516408588205},{"text":"What do you do?","start":3565.9548,"end":3566.9348,"sentiment":"neutral","sentiment_score":0.035021199844777584},{"text":"Yeah.","start":3573.26,"end":3573.76,"sentiment":"neutral","sentiment_score":0.24747541546821591},{"text":"Mhmm.","start":3587.875,"end":3588.035,"sentiment":"neutral","sentiment_score":0.06639191508293152}],"sentiment":"neutral","sentiment_score":-0.036667831754311916,"num_words":40,"start":3553.81,"end":3588.035},{"sentences":[{"text":"Alright.","start":3588.035,"end":3588.5151,"sentiment":"neutral","sentiment_score":0.10777966678142548},{"text":"No.","start":3588.5151,"end":3588.7551,"sentiment":"neutral","sentiment_score":0.06978023052215576},{"text":"That's that sounds good.","start":3588.7551,"end":3590.035,"sentiment":"neutral","sentiment_score":0.19318502396345139},{"text":"But, yeah, as I said, in regards to the insurance, because I think that would probably be the way that I go do go through the underwriting.","start":3590.035,"end":3595.095,"sentiment":"neutral","sentiment_score":0.08522443121506108},{"text":"That way we know exactly where we are because as you said, like, what what's being quoted here is quite the maximum that that they can potentially do unless they find anything untoward that hasn't been disclosed, etcetera.","start":3595.82,"end":3611.2449,"sentiment":"neutral","sentiment_score":-0.03850962505920937}],"sentiment":"neutral","sentiment_score":0.025183012446677182,"num_words":71,"start":3588.035,"end":3611.2449},{"sentences":[{"text":"And then from there, hopefully, they'd be nice and and and not take the top loading and see where we come at.","start":3612.425,"end":3621.165,"sentiment":"neutral","sentiment_score":-0.015567139214412733},{"text":"And then, yeah, we'll be a bit more informed.","start":3624.9102,"end":3626.9302,"sentiment":"neutral","sentiment_score":0.09700925730996662},{"text":"And for the money that they charge everybody at the end of the day, make them do the work for a change.","start":3627.79,"end":3632.4502,"sentiment":"neutral","sentiment_score":0.16920001872561194},{"text":"That's where I'm thinking at the moment.","start":3638.725,"end":3640.245,"sentiment":"neutral","sentiment_score":0.22341052549225943},{"text":"But, yeah, I'll as I said, I'll I'll review everything.","start":3640.245,"end":3642.885,"sentiment":"neutral","sentiment_score":0.14056793823838235}],"sentiment":"neutral","sentiment_score":0.1031794246552246,"num_words":70,"start":3612.425,"end":3642.885},{"sentences":[{"text":"If I come up with anything else, I will do I I will reach out.","start":3642.885,"end":3648.825,"sentiment":"neutral","sentiment_score":0.08416455599168936},{"text":"But, yeah, I'll, like, I'll create a draft of my questions, etcetera, especially, like like, they're saying it probably won't get to you before you leave holidays based on everything else that's going on at the moment.","start":3653.12,"end":3667.275,"sentiment":"neutral","sentiment_score":0.014806385362848035},{"text":"But, yeah, once you're back, then I can either organize the time to come in and see you and go through everything, or we can organize the phone call or do whatever.","start":3668.9548,"end":3678.315,"sentiment":"neutral","sentiment_score":0.08330218610353768},{"text":"Get from there.","start":3678.315,"end":3679.29,"sentiment":"neutral","sentiment_score":0.06701355427503586},{"text":"Alright.","start":3683.77,"end":3684.27,"sentiment":"positive","sentiment_score":0.6288944482803345}],"sentiment":"neutral","sentiment_score":0.06029442800817461,"num_words":88,"start":3642.885,"end":3684.27},{"sentences":[{"text":"Likewise.","start":3686.01,"end":3686.51,"sentiment":"positive","sentiment_score":0.3670102953910827},{"text":"Thank you.","start":3686.57,"end":3687.3901,"sentiment":"positive","sentiment_score":0.6172943115234375},{"text":"Oh.","start":3688.81,"end":3689.31,"sentiment":"positive","sentiment_score":0.4123525321483612},{"text":"Yep.","start":3704.6748,"end":3705.1748,"sentiment":"neutral","sentiment_score":0.24287962913513184},{"text":"Great.","start":3708.275,"end":3708.775,"sentiment":"positive","sentiment_score":0.5409730076789856}],"sentiment":"positive","sentiment_score":0.46630068123340607,"num_words":6,"start":3686.01,"end":3708.775},{"sentences":[{"text":"Sounds good.","start":3716.64,"end":3717.44,"sentiment":"positive","sentiment_score":0.7109439671039581},{"text":"Alright.","start":3717.44,"end":3717.76,"sentiment":"positive","sentiment_score":0.41416096687316895},{"text":"Well, thank you again for everything, and I'll let you go home.","start":3717.76,"end":3720.939,"sentiment":"positive","sentiment_score":0.5690752267837524},{"text":"Yep.","start":3725.799,"end":3726.1191,"sentiment":"neutral","sentiment_score":0.14670678973197937},{"text":"You too.","start":3726.1191,"end":3726.599,"sentiment":"neutral","sentiment_score":0.23549256473779678}],"sentiment":"positive","sentiment_score":0.5157024189829826,"num_words":18,"start":3716.64,"end":3726.599},{"sentences":[{"text":"Thanks.","start":3726.599,"end":3727.099,"sentiment":"positive","sentiment_score":0.5135512351989746},{"text":"Bye.","start":3729.959,"end":3730.459,"sentiment":"neutral","sentiment_score":-0.07352441549301147}],"sentiment":"neutral","sentiment_score":0.22001340985298157,"num_words":2,"start":3726.599,"end":3730.459}]}}]}],"paragraphs":{"transcript":"\nChannel 1: I'm sorry, guys. I will catch up with you, though. Alright. Thanks for everything. Hey.\n\nHow\n\nChannel 0: Hey,\n\nChannel 1: you doing?\n\nChannel 0: Steven. It's saying it again. All good. It's now okay. I'm so sorry.\n\nAm I interrupting something?\n\nChannel 1: No. No. No. No. No.\n\nNo. No. That's alright.\n\nChannel 0: That's okay. All good. I have your email your statement of advice to you. Are you able to look at that as we're going through it at all? If not, that's okay.\n\nI can go through it for you.\n\nChannel 1: I'll say no to that. I'm\n\nChannel 0: Yep.\n\nChannel 1: leaving a friend's family friend's place.\n\nChannel 0: Okay. No. That's absolutely fine. Well, what I'll do is I'll run through the advice. I'll let\n\nChannel 1: Yeah.\n\nChannel 0: you know as to what we're recommending, how, and why. I'll limit it to the things I have to touch on, and then you're able to go back and have a good read of the document. And if you find you do have any questions that come from that, you're welcome to let me know there. Is that okay?\n\nChannel 1: Yeah. That sounds good. Thank you.\n\nChannel 0: Beautiful. Excellent. So on the front, when you do see that document and I've emailed it through, so it is in your email box then. I do apologize if you had to reschedule the last appointment. How\n\nChannel 1: That's\n\nChannel 0: with\n\nChannel 1: alright.\n\nChannel 0: the way the quotes were that were coming through, The way we needed these quotes to be done, they had a lot of trouble with their system doing what I wanted them to. So,\n\nChannel 1: Yep.\n\nChannel 0: essentially,\n\nChannel 1: That's alright.\n\nChannel 0: it meant it took it took a bit longer, but thank you for your patience on that one. I\n\nChannel 1: That's\n\nChannel 0: still\n\nChannel 1: alright.\n\nChannel 0: wanted to get this out to you nice and quickly as well to make sure that we could have it all implemented and update for you. Okay?\n\nChannel 1: Cool.\n\nChannel 0: Before I go through this, I do need to let you know moving forward, we do record these calls for quality and training purposes. Are you happy for me to continue with that?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Fantastic. And I do have to do a quick security check there for you just to confirm your full name, your date of birth, and address that you have on file.\n\nChannel 1: Yeah. It's Steven Charles Brown, May 2\n\nChannel 0: Yep.\n\nChannel 1: 1986, and 17\n\nChannel 0: Yep.\n\nChannel 1: Byron Drive, Jimboomba, Queensland 4280.\n\nChannel 0: Beautiful. Thank you so much for that. On the front of the document, when you do see it, it has been prepared for yourself. It has yesterday's date there, and the advice and balance are sixty days from the date on the document there. It also has my license number on the bottom.\n\nSo I'm a licensed authorized representative. I registered with Aspic and an adviser of financial, and my license number is 1304394. Okay. All as you are going through the adviser, it has all the individual strategies outlayed there for you, and we also have noted the best interest duty, which relates back to your goals and how and why we are making the recommendations. I'll let you read through that a bit later on, and if you have any questions, you're welcome to let me know.\n\nChannel 1: Okay.\n\nChannel 0: With regards to the advice fees, the areas that we are focusing in or looking at advice for superannuation, so your goal is to hopefully retire around about age 60 on about $1,500 per week. You were open to salary sacrificing. We were looking at starting at about $50 per week, starting small, and then building on that down the track. Is that still fairly comfortable, still is that accurate?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Beautiful. We also have the insurance side of things there. So you do have your life saving income protection currently paid out of ASDA. We're looking at a way to increase whatever we can to cover your debt for the million dollars once you get the house all transferred over and billed.\n\nChannel 1: Yep.\n\nChannel 0: Essentially, looking at trying to increase the insurance cover, we went back and did some really good research there. If I do have a recommendation, I will let you know upfront I was not able to increase the TDD or of the IP. So because of your spondylating ancolitis, I'm able to increase the life amount for you to the million dollars, which means that\n\nChannel 1: Yep.\n\nChannel 0: if you pass away, that is fully paid out. However, with the TBD, they would not increase disability cover in any way, shape, or form. So I have recommended to retain your TBD and your income protection exactly as it is. Because if\n\nChannel 1: Yep.\n\nChannel 0: we were to look at altering or decrease your income protection, we can't bring it back up to the level that it is. They just no one would give any disability cover for that. So I felt it was best to retain what you had with those covers. Your life insurance was extremely low, a lot lower than your TBD, and we're able to increase that to the million dollar mark there\n\nChannel 1: Yep. Awesome.\n\nChannel 0: for you. Okay? Excellent. We also looked at trauma. I have found an option for trauma cover based on what we know, and I'll go through that with you in a second as well.\n\nAnd then I've also got the estate planning side in there as well. So just making sure your beneficiaries are applied to the account, making sure that we can help you to fill those out, nominate that to your partner. So if anything happens, you wanna make sure the money is paid to him so he can pay the mortgage off. And then\n\nChannel 1: Yep.\n\nChannel 0: also doing wills and powers attorneys things like that. We do refer you to a solicitor for drawing up of a will and the power of attorney documentation, and that should\n\nChannel 1: Yep.\n\nChannel 0: definitely be done in unison with your partner as well because you do have this property that you will get handed over, hopefully, by the end of the year. So you will certainly have a lot more assets to protect in the event of one or one or both of you passing away down the track. Okay.\n\nChannel 1: Yeah.\n\nChannel 0: Excellent. Excellent. So I'll start by going through the insurance recommendation there for you just to kinda give you a guide on what I've recommended, and then I'll kinda go back to the super side of things for you because the insurance is really is a base that we wanna kinda start. As I kinda mentioned, you've got your life, your TDD, and your income protection there at the moment. At the moment, your current coverage of life cover you've got is something short of 212,839.\n\nWe're able to look at increasing that to a million dollars. That then pays out the mortgage if anything happens and allows your super to be paid out on top of that. The one thing I do have to let you know is because and this is the same as the last advice paid providers. Because of the ankylosing thondylitis, it is\n\nChannel 1: Yeah.\n\nChannel 0: a much high risk condition. So insurers do see that as very high risk with what can essentially come out of it. You know, they're essentially assessing it as being progressive and symptomatic, and it carries a high probability of long term functional impairment and hidden systematic complications. So they assess that risk level when they are assessing that, and it does\n\nChannel 1: Yeah.\n\nChannel 0: essentially mean that we can increase the cover, but it does come with a loading. They've assessed it either one to 200% loading, and that will be assessed fully at the time of underwriting. I don't like that, and I'm very sorry for that. It does make the policy a bit more expensive to hold, But I\n\nChannel 1: Yep.\n\nChannel 0: do like a loading over exclusion. So, essentially, when there are preexisting conditions, they\n\nChannel 1: Yep.\n\nChannel 0: tend to either add a loading, which makes the policy more expensive, but still allows you to to claim on the policy for any, you know, death or illness as a result of the previous condition. So if there's something and I'm gonna be really honest. I'm not a doctor, so I don't know a great deal about analyzing fundalized and how that can be progressive. It's just what I've gone through with doing the research for you. But,\n\nChannel 1: Yep.\n\nChannel 0: essentially, if if you were to pass away as a result of, you know, any kind of progression with regards to anxalizing spondylitis, it does mean that they will still pay out the life cover. Whereas if they have to put an exclusion onto that, which is what they tend to do with cancer,\n\nChannel 1: Yep.\n\nChannel 0: they tend to put, like, a cancer exclusion, which means that the person passes away as a result of cancer or as a result of something that, you know, progressed from cancer, they don't pay\n\nChannel 1: Yep.\n\nChannel 0: out the life benefit. So generally speaking, a loading over exclusion is more preferable,\n\nChannel 1: Yep.\n\nChannel 0: and I do expect a loading on this policy. It does mean that with the life policy, once we complete the increase, the policy goes from being $60.47. It does go to being $4,074 for the year. So it is a much higher cost, albeit deducted out of super funds. So I just wanted to be open and disclose that to you so you're full aware.\n\nOkay?\n\nChannel 1: Is now a good time to say, can we turn the recording off?\n\nChannel 0: Probably not because you just said that. And I have a duty of care. I'm sorry, Steven. Anything I currently know about isn't a good thing.\n\nChannel 1: No. No. No. No. It wasn't that.\n\nIt it was just gonna be holy shit.\n\nChannel 0: Oh, no. That's okay. Don't you worry. You can swear and you can say anything you need. It's not a problem at all.\n\nChannel 1: Yeah. I wasn't expecting that for, like, $500 up to 4,500. Wow.\n\nChannel 0: Yeah. It is a big jump, and it's because the like, obviously, there's the increase in the policy with increasing it from $200,000 as it come in short to a million, but then there's\n\nChannel 1: Yep.\n\nChannel 0: also that, you know, one to 200% loading. And I've included a 200% loading in that increased amount, so I'm over disclosing. That way, if the insurer comes back and goes, hey. You've had it a bit longer. Things are really well under control.\n\nWe might reduce that loading to 100%. It means that the policy could be a bit cheaper for you as well. Okay?\n\nChannel 1: Okay. So that's not\n\nChannel 0: Beautiful.\n\nChannel 1: a definite that's not a definite price then that it's\n\nChannel 0: Nice.\n\nChannel 1: you've you have over quite okay. Okay.\n\nChannel 0: Yeah.\n\nChannel 1: That's\n\nChannel 0: Yeah.\n\nChannel 1: cool.\n\nChannel 0: Definitely. So we we did a research, and we disclosed everything to you, but we know that this will all come down to what happens at underwriting and how the underwriters accept the application. And, ultimately, they will when they offer the cover, will tell us what they're gonna offer and whether there's any changes to what they've told us. So we pre assess everything with them, and this is based on what they've told us that they're likely to assess it as. But it\n\nChannel 1: Yep.\n\nChannel 0: all comes down to what happens when they request doctor's report and what comes out in that. And depending on what else is there, so you've also sort of noted there are other kidney going from the polyps. They are gonna request doctor's reports for those sorts of things and check that there's no ongoing issues. If they find anything, there could be additional loadings or exclusions applied. There could be a decline.\n\nIt's just all based on it will come down to what's in the doctor's report. So as long as, you know, there's been no major issues, you don't you you haven't had to, you know, have any test of all the sick kidney disease or the ongoing problems from the kidney stones and things like that, then hopefully, that will assess pretty well. But there's always an unknown aspect to what we do because we just don't see the doctor's reports. We're not allowed to request that information, and the underwriters\n\nChannel 1: Yes.\n\nChannel 0: will assess and look at that. So I tried to over disclose so you can expect this is what we're expecting. But we hope for a much better result for you, and we will work very closely with the underwriters and keep track of what's happening so we can kinda see what what comes out of it. There is always with every insurance application, there's always a risk of a decline. If the doctor's report have something that hasn't been noted or the doctor's written, you know, something saying something is worse than it was or there's been other symptoms or anything that's not disclosed, then there could be there's always a risk of a decline with the policy as well.\n\nSo this is what we've been told we can expect, and this is still a good result. It still gives you that level of cover you're after with life. With the TBD, you're actually covered for a benefit of $849,007.64. And this sum insured for your TPD increases in little increments every year along with PCI or indexation. So, eventually,\n\nChannel 1: Yep.\n\nChannel 0: that will just get to the million dollar mark, and those increases don't incur any underwriting. So there's no current exclusions on your TBD policy, and that benefit will just keep increasing as it goes through renewal along with CPI, and that will eventually get to the million dollar mark without any additional underwriting there. But they weren't able to offer any new disability cover there. So this allows\n\nChannel 1: Yep.\n\nChannel 0: you to keep increasing your TBD in smaller increments and eventually get to your goal, albeit we know at the moment we're not quite there. It's still only 849,000, and I'm just owning that for you as well. Okay?\n\nChannel 1: Okay.\n\nChannel 0: With the income protection. So we had a bit of a look. Based on 70% of your income, you are slightly over insured there. However, if I was to go back and decrease or alter that income protection policy, if you get\n\nChannel 1: Yeah.\n\nChannel 0: an increase in income and then we need to reincrease the policy, I wouldn't be able to do so because all the insurers came back saying they wouldn't offer disability cover full stuff. It was a full decline. So I felt it was best to keep your income protection policy as it is. It allows the increases in your income, and it means that you can claim a higher benefit if you need to. All b will keep you know, looking at it.\n\nIf it becomes overly expensive, it's only a small amount over insured by, so it's not\n\nChannel 1: Yep.\n\nChannel 0: a huge difference. But if it became too much at any point, we absolutely would look to decrease it. But for now, I'm not making any changes to the the amount you're insured for because instead, we can't increase it back if we need to, and that is a bigger risk over being over insured by a couple of $100 per month, essentially. Does that make sense?\n\nChannel 1: Yeah. That makes sense.\n\nChannel 0: Yep. Beautiful. The total yearly premium, this is probably gonna make you swear again. I'm very sorry. When we when we be when we increase your life and add it to the TBD and the income protection because it's all kinda paid out of super there, essentially,\n\nChannel 1: Yes.\n\nChannel 0: you do have a a flexi link policy. Some of it is paid out of pocket, and that will just stay exactly as it is, which is absolutely fine. But, essentially,\n\nChannel 1: Yep.\n\nChannel 0: the total that you have for the pay this year for your policy total is about $4,817.33. When we look to increase the policy, the total that is expected to be paid based on the reset is $7,679. It's increasing your total insurance payment out of your super by about $2,862. So it is an increased cost. It is also increasing that level of cover for life.\n\nAnd when I weigh up the options, it is still best to do so because if you pass away, once you get that half handed over and that million dollar mortgage, this life cover would pay that out. What I really kinda wanna reiterate is that what I wanna do moving forward, because I know this has an effect on your super and your overall retirement asset, is\n\nChannel 1: Yeah.\n\nChannel 0: as your mortgage decreases, as your super balance increases, we look to reduce that that life cover down. That way we can reduce it back, keep the cost, you know, reducing over time, keep more inside\n\nChannel 1: Yep.\n\nChannel 0: your super, and just keep altering it as we need to, whether it be every year, every six months. It doesn't really matter. But as you pay down the mortgage, as your super balance increases, as things are working really well, we just decrease that life cover back so that it's covering\n\nChannel 1: Yep.\n\nChannel 0: the mortgage or what you need to cover, but that way,\n\nChannel 1: Yep.\n\nChannel 0: you know, readjusting the cost of it to keep you super working as hard as possible as well. Does that make sense?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yes. And go for it. Say whatever you need to. If you wanna swear, you're fine. You just fine.\n\nI understand it.\n\nChannel 1: Well, I I did it to be higher, obviously, because of the other stuff,\n\nChannel 0: Mhmm.\n\nChannel 1: excuse me, where it gets increased. So at the moment, where I stand and and the information that you've told me so far, how far out of this deficit am I compared to where I was? So overall,\n\nChannel 0: Well,\n\nChannel 1: seven\n\nChannel 0: not\n\nChannel 1: thousand, or I'm talking eleven, twelve thousand ish?\n\nChannel 0: not too not too bad at all because, realistically, it's still putting you in front. So the other thing is we're going to once you've we have to basically do it to be increase your life insurance first. That way, you've got your million dollar cover. And then we\n\nChannel 1: Yep.\n\nChannel 0: can still remember last time we talked about transferring that policy over? So it transferred from Asgard into Hub twenty four and paid out of your Hub twenty four account. That allows us to consolidate the two. Do you remember going through\n\nChannel 1: Yeah.\n\nChannel 0: that?\n\nChannel 1: Yeah.\n\nChannel 0: Yes. Beautiful. So we're still gonna be able to do that, which means that we'll the way it has to work is we increase the life first, then we do the\n\nChannel 1: Yep.\n\nChannel 0: transfer, and then we can look to consolidate your super fund. Essentially, once we consolidate everything, you'll actually save about $398 in administration fees because you'll go from having two funds to one.\n\nChannel 1: Yep.\n\nChannel 0: I'm also readjusting the portfolio for you, and it's actually gonna save you about $262. And then I also had a bit of a look at the way you invested with your portfolio. We kinda talked a bit before last time about being in that growth environment there. When I kind of went back and looked at how you were invested, between your funds, you're actually in more of that high growth environment. So 90% in those growth assets, so Australian, national shares, property, and commodities, and then\n\nChannel 1: Yeah.\n\nChannel 0: also 10% low risk defensive investment. I'm also recommending that we stay high growth, that we don't go lower risk, that we stay high growth because as much as you're taking more risk by being in that high growth environment, one of the things we talked about was how you would feel in a market shift, how you would would you put more money in, take advantage of that downtime. And because you are still so young, you've got a lot of time before you can access super, we can take a bit more risk in the market. We can this allows us to take advantage of potential greater returns, so the market is doing really well. And I think being in that high growth environment, given your age or stage, we kind of need that to try and get those greater potential returns to try and make\n\nChannel 1: Yep.\n\nChannel 0: sure that we're mitigating some of the increase in the insurance policy as well. Does that make sense?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Perfect. Do you agree with that? If you don't, that's okay.\n\nChannel 1: No. I do. Because,\n\nChannel 0: Yep.\n\nChannel 1: I mean, I'm I'm only 40. So, yeah, I've still got\n\nChannel 0: Yeah.\n\nChannel 1: at\n\nChannel 0: You're\n\nChannel 1: least\n\nChannel 0: younger\n\nChannel 1: 20\n\nChannel 0: than\n\nChannel 1: seven\n\nChannel 0: me.\n\nChannel 1: years.\n\nChannel 0: Yeah. You're younger than me.\n\nChannel 1: Am I? I don't know. I've never\n\nChannel 0: Yeah.\n\nChannel 1: mentioned, but I have no idea.\n\nChannel 0: No. I'm good. You are younger than me. I look at everyone's birthday and I guess, yeah, you're younger than me, so it's okay. No.\n\nLook. I I have no problems with my age. I've worked very hard, and I actually kind of enjoy my forties. It's kind of like my time.\n\nChannel 1: Yeah.\n\nChannel 0: But I'm actually 42 this year, so I'm actually\n\nChannel 1: Oh,\n\nChannel 0: older\n\nChannel 1: no.\n\nChannel 0: than you.\n\nChannel 1: Yeah.\n\nChannel 0: Hopefully, that makes you feel good. But, like, I have very similar time horizon to what you have. So, realistically, six is the earliest we can access super, and taking on a bit more risk now to get those greater potential returns is really good, especially when we know it's gonna be a higher insurance cost, taking advantage of those higher returns to try and mitigate some of that insurance costs, and\n\nChannel 1: Yeah.\n\nChannel 0: also lowering the cost of your portfolio, saving on admin fees, saving on investment fees. Just by saving on the admin fees and the investment fees alone, so 398 for admin fees by consolidating and $2.62 in admin fees. You're saving about $660 for the year, and that compounded board over the next five to ten years can have a pretty greater effect on your super there.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. All good. I'm also recommending that we do start salary sacrificing that $50 per week. We'll start with that. If we find that the mortgage isn't decreasing, that we need to keep the insurance level a bit higher for a bit longer, we can always look to increase salary sacrifice as well, increase what we're putting into the super fund to try and help mitigate off some of that insurance premium for you as well.\n\nOkay? By doing that $50 per week will help to provide a greater benefit. And, essentially, when I sort of looked at the way the portfolios were working, Ben along had a huge part in, you know, reducing a lot of the portfolio and how that was performing for you for this year. But when\n\nChannel 1: Yeah.\n\nChannel 0: we kind of average out the BT fund and the HUB twenty four fund, it's only really been getting about a 4% return, which is dismal and terrible. When we look at the newer portfolio that I wanna put you in, and you'll be able to see that when you see the document there, It's averaged\n\nChannel 1: Yeah.\n\nChannel 0: about a 14.26% when we look at a three year rolling average. So this\n\nChannel 1: Sorry.\n\nChannel 0: high growth\n\nChannel 1: What was\n\nChannel 0: environment\n\nChannel 1: that?\n\nChannel 0: has so are you at\n\nChannel 1: Sorry. What was that percentage? I just hit the wall with something,\n\nChannel 0: what?\n\nChannel 1: and I didn't hear it.\n\nChannel 0: Your it's 14.26 over the past three years is averaged.\n\nChannel 1: Oh, yeah. Yep. Well, I definitely\n\nChannel 0: Yeah.\n\nChannel 1: love the 10\n\nChannel 0: So\n\nChannel 1: 14\n\nChannel 0: it's\n\nChannel 1: better than four.\n\nChannel 0: I I a 100% agree with you. I'll be honest, and I'm very honest with everything. I do not think you're gonna get 48% every year. However, this sort of portfolio does have a greater potential return to achieve close to that or, you know, even in the high growth environment, even if you're able to obtain, you know, eight to 10 or 10 to 12% return compounding that forward over the next sort of three to five, even ten years, that puts your super in a much greater position. And then saving on fees and having one fund rather than two, that also provides\n\nChannel 1: Yep.\n\nChannel 0: a greater benefit long term for you as well. Okay.\n\nChannel 1: Yeah.\n\nChannel 0: Beautiful. This superfund. This I'll try to keep fairly brief because you'll be able to have a look at this on page 22. But, essentially, within your fund, we are removing the ban along Australian equities completely that was providing a a really dismal return. They haven't formed, and we're removing that out ASAP.\n\nChannel 1: That's\n\nChannel 0: We\n\nChannel 1: good.\n\nChannel 0: are\n\nChannel 1: Because\n\nChannel 0: also\n\nChannel 1: after our last\n\nChannel 0: selling\n\nChannel 1: conversation,\n\nChannel 0: off\n\nChannel 1: I've seen that they they did a buy, and I'm like, hang on a minute. You're telling me, no. Don't buy into it, and then they're buying into it. I'm like, oh, hang\n\nChannel 0: oh, yes.\n\nChannel 1: on.\n\nChannel 0: Yeah. No. We kind of have to until we change the the portfolio. So what happens\n\nChannel 1: Yeah.\n\nChannel 0: is we as per your last statement of advice, that is essentially what we have to buy into. It's what recommended on your on your super fund. Until we make these changes in there and you agree to this, we we continue to do that\n\nChannel 1: Mhmm.\n\nChannel 0: unless you sign a document that says we\n\nChannel 1: Yep.\n\nChannel 0: we stop doing it. The good news is it\n\nChannel 1: Yep.\n\nChannel 0: wasn't a huge buy in. It was been\n\nChannel 1: No.\n\nChannel 0: a long\n\nChannel 1: I wasn't.\n\nChannel 0: thing down. Hopefully, you take a bit of an advantage of that. So but no. It's all good. So we're gonna sell off Benelon.\n\nI am removing the battery unless the insect has been a bit volatile this year, and I'm looking to alter and reduce the risk level of well, not the overall risk level, but kind of reduce the cost as well as the, you know, the volatility within your portfolio. ACDC\n\nChannel 1: Mhmm.\n\nChannel 0: and battery and lithium tech have had ups and downs. It is very volatile, and this year has not seen great returns. So we wanna remove\n\nChannel 1: Yep.\n\nChannel 0: that for you completely. Global agriculture is not a bad investment but hasn't been doing very well. So we wanna kinda remove that from your portfolio. We'll sell all of that off. You only have 1.80% in your portfolio.\n\nVery small amount to hold. So we're just gonna\n\nChannel 1: Mhmm.\n\nChannel 0: remove that from your portfolio there as well.\n\nChannel 1: Yep.\n\nChannel 0: You also have the beta share cybersecurity, and this is giving you exposure to global cybersecurity. So it is really good for risk mitigation because you're, you know, going over the entire globe. You're spreading your risk level globally with that cybersecurity side of things and moving\n\nChannel 1: Yep.\n\nChannel 0: forward with everything that everyone's going through. Cybersecurity is a huge area to kind of build on. So you've got about\n\nChannel 1: Mhmm.\n\nChannel 0: 5.5% there now. We wanna hold 7% in this portfolio, so it's buying into a bit of that for you. We've also got the Asia and European exposure. We do still wanna keep those kind of exposures, but these are more somatic ETFs. They have done really well, but we've got essentially a better way to kind of hold those sorts of investments and a cheaper way to hold those investments while still giving you exposure to them.\n\nSo we're gonna sell those two ETFs down to zero and remove them completely. You've got the S and P 500 in there at the moment. You've got about 21.90%. You wanna keep the S and P 500. It has been performing well, has seen volatility, but we wanna keep that as we see quite a good amount of growth in international equities.\n\nSo we're gonna increase that to 25%. Other areas that we're going to keep are global cyber sorry. Global health care. Health care is still a really good area to hold, and, again, it's global. So spreading your risk level across the globe.\n\nEven being in a high growth environment, you still wanna mitigate what what risk you can. You want good return, mitigate as much possible risk as possible. We can never reduce it completely, but we can utilize what schools we have to mitigate as much as humanly possible. You have about two percent in global health care. You're a bit underweighted at the moment, so we're gonna bring that up to 7%.\n\nYou've got the diversified Vanguard index. This is kind of a mix of growth and defensive index. Hasn't growth and defensive investments hasn't really performed the way we wanted it to this year, so we're gonna remove that from your portfolio. We are gonna see some exposure increase into India. We don't have any at the moment.\n\nIt has seen some good growth, so we're gonna keep that. We wanna have about 7% in there, so we're gonna buy some India exposure. You have the beta shares Rafi two hundred. This is giving you exposure into Australian equity. We've found a cheaper way to hold Australian equities and give you the exposure needed.\n\nSo we're gonna sell off the Raffi as well as the Benelon and move the exposure into the beta shares a 200. Holding the a 200 means you hold one investment giving you exposure in the top 200 companies on the ASX, holding around about 10% of that investment there. And oh, actually, sorry. My bad. We're actually buying some more of the Rafi.\n\nMy apologies. We don't have the Rafi. We're buying into the Rafi. We wanna hold 15% of the Rafi and 10 of Australians a 200 so that you do have about 35 sorry, 25% in Australian equities. We were getting rid of the Rafi out of this portfolio, but it looks like we're gonna keep it in there, which is good.\n\nEssentially, Australian equities, we do wanna hold some of, but we don't tend to hold as much as global international equities because it tends to we tend to follow suit. Our country is very much the little brother of The US and some of the bigger countries out there, and we tend to follow suit exactly. So we hold just as much, not quite as much as the international side of things, but having access to Australian equity still sees good returns. The BetaShares a two hundred is actually one of those best that pays out dividends, which is really cool. Those dividends are some of the highest for Australian equities, and they're paid into your cash account, which is used for compounding effect.\n\nSo I wanted to make sure we created that for you. Okay? You've also got the JPMorgan Global Research Enhanced Equity Fund. This is a new inclusion in your portfolio. I really do actually like this investment.\n\nWith this one so we talked about last time about replacing Van Along. It wasn't performing very well. You wanted to, like, look at the lower cost side of your portfolio to kind of reduce cost where possible, but also wanted a little bit of active management in there to take advantage of that where where we could. And this investment essentially does that. The JPMorgan Global Research Enhanced Equity Fund gives you exposure globally to help with diversification.\n\nIt is a small component active, so that 10 to 15% actively managed by dating more than three search teams. It gives you exposure to the whole globe, essentially, and any areas that they see additional growth in. It has done really well. I do like this investment, and we're holding about 15% of this one in your portfolio. So it's essentially a low cost fund, giving you some active management in there and has performed really well, but it's also helping to reduce the overall cost of your portfolio, which I do like as well.\n\nOkay.\n\nChannel 1: Sounds good.\n\nChannel 0: The last two are physical gold and the core composite bonds. We all love a little bit of gold. I definitely do. We're adding gold into your portfolio. The physical gold will hold about 7%.\n\nAnd then core composite funds, these are defensive low risk investments, essentially, with core composite funds. It's giving you exposure to government and corporate bonds, really good for income producing. And it also has some international certification into bank notes and other fixed interest areas, which is kind of really cool as well. So that essentially makes a good portfolio. I'm really sorry.\n\nIt's kind of it's not easy when you're not looking at the investments, and I try to sort of take it as easy as possible. But if you have any and I try to sort of take it as easy as possible. But do you have any questions in relation to any of that?\n\nChannel 1: Yeah. Where do I find that? Because I can actually look at that now.\n\nChannel 0: Oh, perfect. It's on page twenty two and twenty three.\n\nChannel 1: In the SOA?\n\nChannel 0: Yeah. Yep. Page twenty two and twenty three. Yeah.\n\nChannel 1: Sorry. I was I just opened something else. I was\n\nChannel 0: No. You're\n\nChannel 1: I\n\nChannel 0: fine.\n\nChannel 1: was in the hub 24 document. I'm like, 491 pages. I'm like, holy crap. Please\n\nChannel 0: Oh,\n\nChannel 1: don't\n\nChannel 0: yeah.\n\nChannel 1: tell me she's gonna\n\nChannel 0: That's\n\nChannel 1: direct\n\nChannel 0: the\n\nChannel 1: me\n\nChannel 0: PDF.\n\nChannel 1: to this one.\n\nChannel 0: Yeah. That's the product disclosure statement. So I have to give that to you. If you like reading and you wanna run your eyes over that one, absolutely happy to do so, But not everyone's that\n\nChannel 1: I didn't think\n\nChannel 0: interested\n\nChannel 1: it was the PDF. I thought it was,\n\nChannel 0: in\n\nChannel 1: like, else. But anyway, they have four 191\n\nChannel 0: PDF.\n\nChannel 1: pages. I was like, oh, damn.\n\nChannel 0: That's a lot of pages. It's it's either the the the best because there's three product disclosure statements. They've got the main one, and then they've got the investment one as well. And I think the 491 pages goes to all the individual investments you can hold on the platform.\n\nChannel 1: Yeah. Last six. Yeah. Yeah. Alright.\n\nSecond of advice. What was the last two\n\nChannel 0: Twenty two\n\nChannel 1: twenty\n\nChannel 0: and '23. Yeah.\n\nChannel 1: two?\n\nChannel 0: Sorry, Steven.\n\nChannel 1: 2223. Okay. Alright. I I can see these figures now.\n\nChannel 0: Beautiful. So, essentially, the one that we kind of, say, focus on the most is the buy sell column. That's essentially showing you what we'll pay what we'll sell as the investment in red and what we're gonna buy into in green. It does go over onto the next page there, essentially. And the last two columns show at the end of the switch where, essentially, you should see your target weighting within your portfolio and how much you should hold within those investments there for you.\n\nOkay.\n\nChannel 1: Oh, yeah. Toggle light, toggle balance. Yep. Okay.\n\nChannel 0: Yep. Perfect. So there are a few changes to make within the portfolio, which is good. But, yeah, just wanted to kinda go through that. The other thing I do point out is that with whenever you make changes in your investment portfolio, so buy and sell investment, As I said, as we mentioned last time, your super fund, just like you, does a tax return every year.\n\nThey pay income tax and capital gains tax. So being able to make these changes for you, I did look at the tax consequences. Your super fund is expected to pay $77 in CGT to to be able to switch your investments for you.\n\nChannel 1: Okay. Well, that's next to\n\nChannel 0: Yeah.\n\nChannel 1: nothing.\n\nChannel 0: So\n\nChannel 1: So\n\nChannel 0: I was able to lower the tax as much as possible. Yeah.\n\nChannel 1: yeah. That's I've I've had worse, but yeah. That's pretty good. I\n\nChannel 0: Yeah.\n\nChannel 1: was expecting you to say at least a\n\nChannel 0: Thank\n\nChannel 1: 100 and\n\nChannel 0: you.\n\nChannel 1: something.\n\nChannel 0: No. I I just wanted to make sure that we we could do what we could and try to get as much growth out of the portfolio as possible, try to mitigate, you know, the increase in in insurance recommendations, try to consolidate everything for you and have it all in one place. But I definitely wanna make sure we do catch up and review these investments because investments do go up and down, and I'm very aware you know, I like to make sure everyone's aware. Projections are just projections. So we do\n\nChannel 1: Yeah.\n\nChannel 0: know markets go up. We do know markets go down. Whether you're in a growth or high growth portfolio, you still see market risk. You still expect a negative return one every five years. We just wanna take advantage of the up while we do get there.\n\nSo I do wanna make sure that we maybe touch base once every six months to see\n\nChannel 1: Yep.\n\nChannel 0: how things are traveling, to look at the returns. And if there needs to be changes made, we do that. If we can increase contributions, we talk about doing that. If the insurances need to be altered, we do that for you. That way, things are being checked on more regularly, and that way, we can make changes as we need to so that I\n\nChannel 1: Yep.\n\nChannel 0: can make sure things are working as hard as possible. You have a lot of time ahead of you, but I wanna make sure that compounding is working, and I don't want your super to go backwards in any way, shape, or form. So that's kind of where I was at with making these recommendations, and I definitely wanna sure that we catch up on every six months if you're comfortable to do so.\n\nChannel 1: Yeah. No. That sounds good because, yeah, between me and my partner, my super balance is dismal, and he's only got three\n\nChannel 0: Yeah.\n\nChannel 1: more years on me. So oh, actually, hang\n\nChannel 0: Wow.\n\nChannel 1: on. What am I forty no. He's\n\nChannel 0: Well\n\nChannel 1: got five years on me.\n\nChannel 0: so we'll see what we can do about that.\n\nChannel 1: Because yeah. Yeah. Leaps and bounds\n\nChannel 0: Yeah.\n\nChannel 1: different.\n\nChannel 0: No. We definitely\n\nChannel 1: It's not a small difference. It's\n\nChannel 0: absolutely.\n\nChannel 1: a a huge difference.\n\nChannel 0: Yeah. Of course. Definitely. So, no, I definitely\n\nChannel 1: And he\n\nChannel 0: wanna\n\nChannel 1: does\n\nChannel 0: make sure\n\nChannel 1: nothing\n\nChannel 0: that\n\nChannel 1: with\n\nChannel 0: this,\n\nChannel 1: you.\n\nChannel 0: you know, goes into bite for you.\n\nChannel 1: Yeah.\n\nChannel 0: Sorry.\n\nChannel 1: And I said that he does nothing with you. He literally just wants to do his thing. I'm like, he sucks.\n\nChannel 0: That's no good. No. Well, the the good thing\n\nChannel 1: Right.\n\nChannel 0: I wanna I wanna get this balance moving harder. One of the the difficult things is once you kinda get your balance up to that sort of $2.02 5,300,000 a month, that's when you really get the compounding effect. So if we can get contributions increasing, get the growth, you know, compounding a little bit harder, get your balance up over the next couple of years, then we can kind of go from there and really see the effect long term. So\n\nChannel 1: Yep. Yep.\n\nChannel 0: yeah. So we can do to help you out here and make changes as we need to because, I mean, these investments have worked really well now. But, you know, next one, two, three, five, or ten years, they may not be doing the same thing. We may need to alter them again. And, realistically, investment portfolios do need to be updated not, like, every year, but pretty regularly because investments do become obsolete, not work properly.\n\nThey have issues or, you know, need to be switched out for other areas. Always the other areas of growth and decide to take on those sorts of advantage areas there. So we'll just keep reviewing it, keep touching base, seeing how things are tracking, and, you know, consolidating will be a definitely a big help there, and then try to get those insurances sorted for you so that you've got that higher level of cover, and everything can be put into one place there for you as well. Okay.\n\nChannel 1: That sounds good.\n\nChannel 0: Fantastic. The only other thing in there to kinda go through with the recommendations is, obviously, beneficiary nominations. I'll make sure that they are sent out email and posted so they can be filled out and nominated and added to the life policy and also your hub twenty four super account. And then we have also made a recommendation that you guys should speak to a solicitor and talk about doing up a will and power of attorney documents to make sure that everything that you've worked hard for outside of super and life insurance is also protected and looked after for you. Okay?\n\nChannel 1: Okay.\n\nChannel 0: The other thing I wanted to show you was the trauma recommendation. So we also talked about we've got the life changing income protection all kinda covered, but the other thing that you wanted to look at was trauma.\n\nChannel 1: Mhmm.\n\nChannel 0: The trauma is an out of pocket cover. You wanted to look at about two years worth of trauma cover. Does that still\n\nChannel 1: Yeah.\n\nChannel 0: sound about right? Yep. That's okay. If you go down to page 36, this is the trauma recommendation there for you.\n\nChannel 1: Sorry. What\n\nChannel 0: Sorry.\n\nChannel 1: what page was that?\n\nChannel 0: 36.\n\nChannel 1: Oh, yep. There we go.\n\nChannel 0: Yep. Beautiful. So I had a look around. I have not recommended trauma with power because power weren't offering the product. But\n\nChannel 1: Mhmm.\n\nChannel 0: in Compass, based on the free assessment, Encompass is another insurer, really great insurer. They actually take on a little bit more risk, which is great. They have come back saying they are likely to offer trauma covers to you, offering the benefit amount of 154,000, so two years worth of income. And, essentially, they would have a 50% loading attached to it because of what was disclosed. It essentially means the monthly premium expected is about a $177.80.\n\nSo this part of the recommendation all comes down to what your expenditure looks like and whether you're able to afford this. If you decide not to take the trauma now, that's okay. We can come back and review that at a later time. But this essentially would be costing about a $177.80 per month. So that over the course of the year is about $2,133 for the trauma.\n\nChannel 1: Yeah. I'll have to give him to\n\nChannel 0: Think\n\nChannel 1: that.\n\nChannel 0: about that. Yeah.\n\nChannel 1: Mhmm.\n\nChannel 0: Yeah. I figured that would be the case, and that is okay. So the important thing to remember is these are recommendations. If there is any part of the recommendations you decide you do not wish to take on board, that's okay. On the very last page of the document, we actually have a box that says multiline in there.\n\nIn that box, if you decide you don't wanna take on the trauma right now, you just write in there, don't want trauma or, you know, don't wanna accept this recommendation or wanna do this, and we will just that come back to us, and we will help, you know, abide by that. We'll just not implement the trauma recommendation, or we can make changes for you. So that box is put there. So if there's any part of the advice you wanna alter, change, or not take on board, you can just make a little note in that box. It comes back to us, and we make sure to alter the implementation by not implementing a certain section or helping you to vary that in any way, shape, form.\n\nDoes that make sense?\n\nChannel 1: Yes. Sorry. Where was that? Page\n\nChannel 0: It'll\n\nChannel 1: 50\n\nChannel 0: be on\n\nChannel 1: three.\n\nChannel 0: page number 54.\n\nChannel 1: Okay. Oh, yeah. It's just the from what I can see, it's just a blank part. Above\n\nChannel 0: Yes. It's a blank box. Yeah. Sometimes\n\nChannel 1: sorry.\n\nChannel 0: it\n\nChannel 1: The\n\nChannel 0: has\n\nChannel 1: white\n\nChannel 0: multiline\n\nChannel 1: police sign.\n\nChannel 0: written on it. Sometimes it doesn't. No. That's\n\nChannel 1: That's\n\nChannel 0: all\n\nChannel 1: why I\n\nChannel 0: good.\n\nChannel 1: was like, hang on\n\nChannel 0: That's\n\nChannel 1: a minute. Let\n\nChannel 0: all\n\nChannel 1: me\n\nChannel 0: good.\n\nChannel 1: see something. Where am I? That's alright.\n\nChannel 0: No. You are absolutely fine, honestly. That is essentially the entire recommendations. I would love it if you would take some time just to read through the document. Let me know if you do happen to have any questions that come from that.\n\nThe I've taken you through the pages and the areas that are applicable. But as you kind of run through it from start to finish, it has all the recommendations outlined for you, the advantages, the disadvantages, the risks involved, and also any alternatives that I have considered as well for you. So feel free to run your eyes over that. Have a bit of a read. If you have any questions, you're more than welcome to let me know.\n\nAnd then get and then if there's any part of the recommendations you choose not to opt in to or not to take on board, just make a little note on that last page there. And if you're happy with everything, we'll get you to sign and return the documents back. After you've made that little note in that big box there for any changes, you can also sign and return it back, and we can just start implementing it. My team will try to help you get that sorted as quickly as possible, and we definitely wanna make those changes to your super ASAP as well. Get rid of that along, get rid of some of those investments, and get your super working a bit harder for you.\n\nOkay.\n\nChannel 1: Yeah. Okay. So I'm just on\n\nChannel 0: Yeah.\n\nChannel 1: page it's actually page 29\n\nChannel 0: Yep.\n\nChannel 1: of the SOA. It says\n\nChannel 0: Yep.\n\nChannel 1: income protection down the bottom at that amount per month. Is\n\nChannel 0: Mhmm.\n\nChannel 1: that right? That seems\n\nChannel 0: Mhmm. Income protection. Yeah. So that's your monthly benefit. That's how much you're covered for with your income protection policy.\n\nChannel 1: oh, that's good. Okay. That's the benefit. Oh, my god. How much\n\nChannel 0: Yep.\n\nChannel 1: are you paying?\n\nChannel 0: No. That's okay. So the table's actually half on one page and half on the other. So if you go down to the next page, you've got the other half of that table. Sorry.\n\nChannel 1: So on page 28. Oh, yeah. Yeah.\n\nChannel 0: Page twenty nine and thirty. Yes.\n\nChannel 1: Then. 30. Oh, yeah. Year. Okay.\n\nChannel 0: Yep.\n\nChannel 1: Alright. So\n\nChannel 0: So\n\nChannel 1: what I\n\nChannel 0: your monthly\n\nChannel 1: do need\n\nChannel 0: benefit\n\nChannel 1: to\n\nChannel 0: or how much you're insured for? Sorry. You're right.\n\nChannel 1: so what I do need to find out is if I do go ahead with these,\n\nChannel 0: Mhmm.\n\nChannel 1: how how is it all financed and because I know now I pay some\n\nChannel 0: Yes.\n\nChannel 1: out of pocket and I'm out of super. What is there somewhere in here that tells me exactly how much I\n\nChannel 0: How\n\nChannel 1: will\n\nChannel 0: much\n\nChannel 1: be contributing\n\nChannel 0: you pay for each\n\nChannel 1: out\n\nChannel 0: policy?\n\nChannel 1: of a pocket? Well, yeah, each\n\nChannel 0: Well,\n\nChannel 1: policy, but\n\nChannel 0: the\n\nChannel 1: also\n\nChannel 0: out\n\nChannel 1: out\n\nChannel 0: of pocket\n\nChannel 1: of pocket.\n\nChannel 0: yeah.\n\nChannel 1: Excuse\n\nChannel 0: The out of pocket policy, that won't change in any way, shape, or form because that's just\n\nChannel 1: me.\n\nChannel 0: the income protection policy unless you take the trauma on, and that'll sort of increase that. So if we kind of look at that for you, so the $177.80 for that And with your income protection policy, in the front of the document on pages eleven and twelve that outlines your current policy that you do have there, and that essentially shows that you pay $42.49 per month for your income protection outside of.\n\nChannel 1: Yeah.\n\nChannel 0: So if we add that to the possible trauma cover, because this is what's gonna tell you how much you need to pay per month, it means out of pocket is 2,002 hun sorry. $220.29 per month. By twelve months, it's $2,643.48.\n\nChannel 1: Okay.\n\nChannel 0: So there's a lot of money out of pocket, whereas at the moment, the $42.49 is about $500 for your income protection it more\n\nChannel 1: Yeah.\n\nChannel 0: just comes down to when looking at the out of pocket cost. The income protection is absolutely important to keep out of pocket. That, you know, provides you with greater benefit. If you can't work, it gives you a monthly benefit to look after you and help cover your bills and things. Things.\n\nWhereas trauma is only paid out if you have a traumatic diagnosis, things like cancer, heart attack, stroke.\n\nChannel 1: Mhmm. Exclosing\n\nChannel 0: It means\n\nChannel 1: spondylitis.\n\nChannel 0: that you can claim on income protection. Unfortunately, no.\n\nChannel 1: That that was a traumatic experience.\n\nChannel 0: Doesn't I'm sorry. I know. I'm very sorry. It doesn't kinda come under there. It does, however, if you are not able to work, you do the ankleizing for the lighters.\n\nIncome protection covers that for you, if that helps. I'm sorry.\n\nChannel 1: Okay.\n\nChannel 0: I know.\n\nChannel 1: Well,\n\nChannel 0: I felt\n\nChannel 1: yeah,\n\nChannel 0: bad.\n\nChannel 1: I'll\n\nChannel 0: I\n\nChannel 1: I'll\n\nChannel 0: was like, no. I'm sorry, Steven.\n\nChannel 1: that's alright. Yeah. Yeah. I'll have to definitely take that on board and do some number crunching and everything and\n\nChannel 0: Yes. Absolutely.\n\nChannel 1: figure out where I go from there.\n\nChannel 0: Yeah. No. Completely understandable. Yeah. Feel free to let me know if you do happen to have any questions there.\n\nI understand exactly where you're at, especially with, you know, building a house, and the cost of living is horrendously high. So I just wanted to show you the trauma recommendation, show you the other recommendations there, and then, yeah, it's up to you to decide what you're comfortable taking on board. This is valid for sixty days, and my team will touch base every so often to sort of see how you're going and if you have any questions there. So, I mean, the income protection is absolutely the most important thing because you are paying for that. We can't get that back, and that out of pocket policy, the income protection protects you if anything happens.\n\nSo, you\n\nChannel 1: Yep.\n\nChannel 0: know, having part inside safe and some outside safe. But the other side of the income protection, the part you pay outside of safe is also a tax deduction for you, whereas the how sorry. The trauma policy, that doesn't give you any kind of tax benefit there. So\n\nChannel 1: Mhmm. No.\n\nChannel 0: that's kind of the major benefit of having income protection paid out of pocket and why I would definitely wanna keep that rather than the trauma side of it. But it also comes down to what you're comfortable with and what you guys can afford and and what your expenditure looks like there. So I'm happy to support any decision you have. And any questions at all, you're welcome to let me know. Okay.\n\nChannel 1: Alright. I have one other question. Based\n\nChannel 0: Sure.\n\nChannel 1: on this recommendation, can you just tell me the total that would be coming out of my super without me digging through it all?\n\nChannel 0: Yeah. Absolutely. For the insurances?\n\nChannel 1: Yep. What what for the new recommended\n\nChannel 0: Yeah.\n\nChannel 1: one?\n\nChannel 0: Yes. 7,680\n\nChannel 1: Is that what page I was looking at?\n\nChannel 0: dollars. It's on page 20 if you wanna have a look there to make it a bit easier for you. It's in a couple of places, but the the fee comparison table is good because it kinda outlays the cost there to make it easier for you. You can sort of see that.\n\nChannel 1: Alright. What was that? That was page 20.\n\nChannel 0: 20. Yeah.\n\nChannel 1: Mhmm. I Alright. So if if we do the salary sacrifice for for 50 was it a week or fortnight? A little\n\nChannel 0: 50 per week.\n\nChannel 1: a\n\nChannel 0: Yes.\n\nChannel 1: wait. Is that gonna be enough to put back in what the insurance policy takes out? Alright.\n\nChannel 0: Not really. No. No. So we we could talk about increasing the salary sacrifice. I think the main reason we sort of looked at 50 to start with was to look at your comfort level because we're also looking at trauma and out of pocket expenses.\n\nSo we could always start with this for the first sort of six months, look at how that's going, if you're comfortable with the change in expenditure, because salary sacrifice also reduced your your take home pay. Not as much. It's only a little bit. But then\n\nChannel 1: Yep.\n\nChannel 0: we can always increase it in increments if you're comfortable doing so. I tend to take that approach with most of my clients because if we start with a bigger lump sum, it's great because you get a bigger tax effect and more money goes into the super, but you can't then pull it back out if you find you need the money. So\n\nChannel 1: Yeah.\n\nChannel 0: it is best\n\nChannel 1: Yeah.\n\nChannel 0: to start smaller, get comfortable, and then we increase that in increments as as you're comfortable doing so as you find your expenditure isn't as affected. Does that make sense? Yeah.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Yeah.\n\nChannel 1: So that $220.22 is gonna be plus 59 plus 430. And what is that right? 50 per week. 50. Right.\n\nThat's not right, Steven.\n\nChannel 0: Did you wanna say it out loud?\n\nChannel 1: It'll\n\nChannel 0: I\n\nChannel 1: be\n\nChannel 0: can\n\nChannel 1: about\n\nChannel 0: help you.\n\nChannel 1: 200\n\nChannel 0: Sorry.\n\nChannel 1: and $15. Yeah. So 50 times 4.3, that's roughly $215 extra per month on top of that for salary sacrifice per month.\n\nChannel 0: Is it how much is going in?\n\nChannel 1: Yeah. If we go on the recommendation of $50 a week, $50 a week, that works\n\nChannel 0: Yep.\n\nChannel 1: out to\n\nChannel 0: It's 2,600 per year.\n\nChannel 1: sorry. I'm sorry. What was that? 2,600 PE?\n\nChannel 0: Yep. It's about $200 per month if on a four week month. Yeah.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Yeah.\n\nChannel 1: That's 217, roughly, per month\n\nChannel 0: Yeah.\n\nChannel 1: based on the 4.3, whatever\n\nChannel 0: Yeah.\n\nChannel 1: it is. Yeah. That's what I was trying to figure out.\n\nChannel 0: The weeks that have a little fewer after days. Yeah. Absolutely.\n\nChannel 1: Yeah. No. I get paid\n\nChannel 0: No.\n\nChannel 1: fortnightly.\n\nChannel 0: I under\n\nChannel 1: So yeah. Yeah. My brain's\n\nChannel 0: Yep.\n\nChannel 1: crossing between week to four to\n\nChannel 0: Okay.\n\nChannel 1: month. So\n\nChannel 0: No.\n\nChannel 1: it's\n\nChannel 0: That's okay. And, look, you've probably had a long week as well, and I'm doing this. It's probably dinner time for you, so I'm so sorry. It's probably a lot. It's\n\nChannel 1: yeah. No.\n\nChannel 0: okay.\n\nChannel 1: No. No. No. No. No.\n\nNo. That's fine. No. Let's just say this last week has been horrendous and traumatic, and workload is phenomenal. But\n\nChannel 0: Okay. I'm so sorry. I'm\n\nChannel 1: no. That's alright. No. Unfortunately, Friday last week,\n\nChannel 0: so\n\nChannel 1: my grandmother passed away, so we've been dealing with that and everything as well. So that's why I\n\nChannel 0: sorry.\n\nChannel 1: where where I was this afternoon, I was like, can I just call you back at all? Can you call me back in ten? Because I\n\nChannel 0: Yeah.\n\nChannel 1: was just\n\nChannel 0: Yeah.\n\nChannel 1: finalizing that conversation\n\nChannel 0: Absolutely.\n\nChannel 1: with someone. So\n\nChannel 0: No. I'm\n\nChannel 1: but\n\nChannel 0: so, so sorry to hear that. It's a it's a big thing to go through, and you're going through a lot. So I absolutely understand. So take some time, read it through.\n\nChannel 1: Yes.\n\nChannel 0: If you need to put it off for a little while, that's okay. Please take your time. Let me know if there's anything you need. In my world, there is no such thing as a silly question. If it's something that you wanna know, you pop it down, and I will happily answer it for you.\n\nOkay?\n\nChannel 1: Okay. I'm sorry. I'll I'll have to\n\nChannel 0: Beautiful.\n\nChannel 1: get through everything because, yeah, as\n\nChannel 0: Yes.\n\nChannel 1: I said, my\n\nChannel 0: It's\n\nChannel 1: brain is\n\nChannel 0: a lot.\n\nChannel 1: like my brain is I don't\n\nChannel 0: Yes.\n\nChannel 1: know what\n\nChannel 0: No.\n\nChannel 1: my brain is at the moment. It's half left,\n\nChannel 0: No.\n\nChannel 1: half right, and half in between, and half non existent. So that's him.\n\nChannel 0: Yeah. No. I I absolutely understand. That is not a problem at all. Just to let you know, I am taking a little bit of leave after next week, so I will be away from the September 11 until the twenty eighth.\n\nSo if you do need anything in that point in time, my team will book you in around that. But, yeah,\n\nChannel 1: Uh-huh.\n\nChannel 0: just take some time. If you need anything next week, let me know. I'll happily take time to answer questions and help you out. And then, yeah, I'll be back after the twenty eighth, then I'll, yeah, be there to,\n\nChannel 1: Yeah.\n\nChannel 0: you know, ask answer any additional questions you have. I will send you an email as well. That way, you've got my email there because periodically through my holidays, I do check my emails. Otherwise, they bank up. So if there is something that you need, you're welcome to email me.\n\nAnd as I check my emails periodically through my leave, I can\n\nChannel 1: Mhmm.\n\nChannel 0: answer the questions for you as well. Okay.\n\nChannel 1: Okay. All. I don't expect you to do that. You're on holidays. Enjoy your holidays.\n\nChannel 0: Yeah. No.\n\nChannel 1: If anything,\n\nChannel 0: Honestly,\n\nChannel 1: I'll\n\nChannel 0: I I you're\n\nChannel 1: I'll probably\n\nChannel 0: right.\n\nChannel 1: create I'll probably create a draft or something, and then when I know that well, I know your holiday dates because you've just told me them. So, yeah, I'll probably send it after\n\nChannel 0: Yeah.\n\nChannel 1: once I come to\n\nChannel 0: That's\n\nChannel 1: you. But\n\nChannel 0: okay.\n\nChannel 1: all all the recommendations and everything, I'm I'm happy with. The insurance is all\n\nChannel 0: Yep.\n\nChannel 1: have to review\n\nChannel 0: Think about Yep.\n\nChannel 1: and definitely think about that because, yeah,\n\nChannel 0: Absolutely.\n\nChannel 1: between rent and a mortgage and extra bills and everything else, And as you said, the cost of living, you know, they have all have to sit down and crunch the numbers on that.\n\nChannel 0: Yeah. Absolutely. I still do like the is it just the trauma that you're sort of thinking is concerning you the cost of the trauma, or is there anything else insurance wise that's really kind of gnawing at you a little bit?\n\nChannel 1: Look. A bit of well, trauma definitely because that is a big chunk of money.\n\nChannel 0: Mhmm.\n\nChannel 1: But, understandably, it's also in the event that that does occur that, you know, that's a lump sum payment of\n\nChannel 0: Yep.\n\nChannel 1: two years worth of wages. If something were to happen, that is covered under that. So I I I understand that.\n\nChannel 0: Yeah.\n\nChannel 1: If their loadings come in better than than what has been quoted on here, that would be awesome.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: But, I mean, I can't like, I know that you can't guarantee that that that comes down to the underwriters.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: So, yeah, that that's gonna be a big thing. The other thing that well, the other side that's gnawing at me is, like, even with me salary sacrificing into it, I'm still taking more out than what's coming in. So, you know, the yeah. I feel like that's biting into it and that the fund is relying on good performance out of the recommendations for where funds are invested,\n\nChannel 0: Yes.\n\nChannel 1: if that makes sense.\n\nChannel 0: Correct. Yeah.\n\nChannel 1: I\n\nChannel 0: Yeah.\n\nChannel 1: think that's\n\nChannel 0: The\n\nChannel 1: where\n\nChannel 0: insurance\n\nChannel 1: my brain\n\nChannel 0: premiums\n\nChannel 1: is.\n\nChannel 0: are very much yeah. The insurance premiums are very much a lot, and it is eating a lot of new contributions, so that does have an effect on it. The main thing with the transfer so the in order to transfer the policy, and this is kind of what we went through last time, in order to transfer the policy from Asgard to hub twenty four, they actually have to transfer the life and pay period either at the same level of cover or have a higher life policy. So we either have to bring the life policy up to where your TPD is, and I could always get a quote sent through to you to show you if we just increase the life to the level of TBD, what that might\n\nChannel 1: Mhmm.\n\nChannel 0: look like in case you're comfortable with just maybe increasing to that level. That way, we can still transfer the policy and consolidate your funds to make everything work a bit better,\n\nChannel 1: Yeah.\n\nChannel 0: or we have to bring the TBD down. And that was definitely something we talked about in the past that you were not comfortable with reducing the TBD back in any way. So especially with this mortgage now hanging over your head. So we do have to kinda do something with the life to bring it up to at least the level of if it is transferred. But in\n\nChannel 1: Yep.\n\nChannel 0: saying that, what we could always do is when we go through underwriting, we can always go through the underwriting. They never put the policy in full until they come back with terms. So we could always go through the underwriting process, have it underwritten with everything that's being recommended, and then when they come back with the terms and they've completed it and they come back and tell us what they're gonna offer as the\n\nChannel 1: Yep.\n\nChannel 0: final offer, then you always get the option to say, hey. No. I don't want that level. Let's reduce it. Or, no.\n\nI've decided not to take the trauma cover. Thanks, but no. Thanks. So you don't\n\nChannel 1: Yeah.\n\nChannel 0: have to even when you get to that point, you don't have to accept the cover. You can alter it, but it means they underwrite the policy anyway. We make them do the work regardless\n\nChannel 1: Mhmm.\n\nChannel 0: of whether you're gonna take that policy or not. So it's just another kind of option for you there. I'm happy\n\nChannel 1: I think\n\nChannel 0: to\n\nChannel 1: that'd\n\nChannel 0: go with\n\nChannel 1: probably be\n\nChannel 0: whatever\n\nChannel 1: the better\n\nChannel 0: you\n\nChannel 1: way.\n\nChannel 0: decide.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Because I\n\nChannel 0: And\n\nChannel 1: do\n\nChannel 0: then\n\nChannel 1: think\n\nChannel 0: if\n\nChannel 1: that'd\n\nChannel 0: we're\n\nChannel 1: probably\n\nChannel 0: touching base\n\nChannel 1: be the\n\nChannel 0: every\n\nChannel 1: better way.\n\nChannel 0: six months. Yep. Yeah. Perfect. Perfect.\n\nAnd then every six months, we can review what's happening and look at what's happening with your expenses and maybe increase contributions incrementally along with your comfort level. If you've got a nice chunk of savings end of financial year, we can also look at making a nice big deductible contribution into super, take advantage of putting more money in, and maybe give you a bit of a tax deduction there\n\nChannel 1: Mhmm.\n\nChannel 0: as well. So there's definitely other things that we can do. I just wanted to start with your comfort level, show you what this looks like, and be as honest and open as possible with you. Let\n\nChannel 1: Yep.\n\nChannel 0: you\n\nChannel 1: Yep.\n\nChannel 0: see it, read it, take take it all in, and then\n\nChannel 1: Mhmm.\n\nChannel 0: we kinda build on there for you. So there's lots of other things that we can do, lots of other places that we can start. I just didn't wanna overwhelm you by going too far into it. I felt like this was probably overwhelming enough. So then we kinda build on that from there if that\n\nChannel 1: Yeah. Yeah. No. That's\n\nChannel 0: makes\n\nChannel 1: good.\n\nChannel 0: sense. Yeah.\n\nChannel 1: Yeah. Because there is definitely a lot of information.\n\nChannel 0: There is, and I'm so so sorry.\n\nChannel 1: No. That's well, information the, well, the more information you have, the the more informed you are, but also\n\nChannel 0: The better.\n\nChannel 1: the more\n\nChannel 0: Yeah.\n\nChannel 1: overwhelmed you become at the same time. So, you know, it's double its blade. What\n\nChannel 0: Absolutely.\n\nChannel 1: do you do?\n\nChannel 0: Absolutely. Absolutely. No. I completely understand. So no.\n\nLook.\n\nChannel 1: Yeah.\n\nChannel 0: Thank you so much. I will let you go so you can go and have dinner, take some time, and read it over. I'll send you an email shortly so you've got my email there as well. And then any questions you have, just let me know, and we can kinda go from there for you. Okay?\n\nChannel 1: Mhmm. Alright. No. That's that sounds good. But,\n\nChannel 0: Beautiful.\n\nChannel 1: yeah, as I said, in regards to the insurance, because\n\nChannel 0: Thank\n\nChannel 1: I think\n\nChannel 0: you.\n\nChannel 1: that would probably be the way that I go do go through the underwriting.\n\nChannel 0: Yep.\n\nChannel 1: That way we know exactly\n\nChannel 0: Yep.\n\nChannel 1: where we are because as you said, like,\n\nChannel 0: Yep.\n\nChannel 1: what what's being quoted here is quite the maximum\n\nChannel 0: Mhmm.\n\nChannel 1: that that they can potentially\n\nChannel 0: Mhmm.\n\nChannel 1: do unless they find anything untoward that hasn't been disclosed, etcetera. And then\n\nChannel 0: Yep.\n\nChannel 1: from there, hopefully, they'd be nice and and and not take the top loading and see where we\n\nChannel 0: Yeah.\n\nChannel 1: come at.\n\nChannel 0: Yeah. Absolutely. Absolutely.\n\nChannel 1: And then,\n\nChannel 0: Yeah.\n\nChannel 1: yeah,\n\nChannel 0: No.\n\nChannel 1: we'll be\n\nChannel 0: I\n\nChannel 1: a bit\n\nChannel 0: I\n\nChannel 1: more\n\nChannel 0: definitely\n\nChannel 1: informed.\n\nChannel 0: agree.\n\nChannel 1: And for the money that\n\nChannel 0: Yep.\n\nChannel 1: they charge everybody at the end of the day, make them do the work for a change.\n\nChannel 0: Absolutely. That's exactly right. I like it.\n\nChannel 1: That's where I'm thinking at the moment. But, yeah, I'll as I said, I'll\n\nChannel 0: Yes.\n\nChannel 1: I'll review everything. If I come up with anything else,\n\nChannel 0: Yep. Yes.\n\nChannel 1: I will do I I will reach out.\n\nChannel 0: Yep.\n\nChannel 1: But, yeah, I'll, like, I'll create a draft of my questions, etcetera, especially,\n\nChannel 0: Yep.\n\nChannel 1: like like, they're saying it probably won't get to you before you leave holidays based\n\nChannel 0: That's\n\nChannel 1: on everything else\n\nChannel 0: okay.\n\nChannel 1: that's going on at the moment. But, yeah, once you're back, then I can either organize the time to come in and see you and go through everything, or we can organize the phone call or do whatever. Get from there.\n\nChannel 0: Yeah. Perfect. Not a problem at all. I like it. Thank you so\n\nChannel 1: Alright.\n\nChannel 0: much for your time this afternoon. I\n\nChannel 1: Likewise.\n\nChannel 0: hope you\n\nChannel 1: Thank\n\nChannel 0: have a\n\nChannel 1: you.\n\nChannel 0: good weekend. No.\n\nChannel 1: Oh.\n\nChannel 0: My pleasure. Thank you for letting me put this together. I actually really enjoyed it, so it's been really fun. Yes. I look forward to helping you reach your goals and move forward and build on this and, yeah, get you super working harder.\n\nThat's the most important thing. You work\n\nChannel 1: Yep.\n\nChannel 0: too hard to not enjoy your retirement. So it's a\n\nChannel 1: Great.\n\nChannel 0: bit of a pet love of mine to make sure everyone gets their retirement and enjoys their retirement years. So we will get there.\n\nChannel 1: Sounds good. Alright. Well, thank you again for everything, and I'll let you go home.\n\nChannel 0: My pleasure. No worries. Thanks, Steven. You have a good night. I'll talk to you soon.\n\nChannel 1: Yep. You too. Thanks.\n\nChannel 0: Thanks. See you later. Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"I'm sorry, guys.","start":0.48,"end":1.4399999,"sentiment":"neutral","sentiment_score":-0.12920474261045456},{"text":"I will catch up with you, though.","start":1.4399999,"end":3.1399999,"sentiment":"neutral","sentiment_score":-0.07420418305056435},{"text":"Alright.","start":3.36,"end":3.84,"sentiment":"neutral","sentiment_score":0.20156538486480713},{"text":"Thanks for everything.","start":3.84,"end":4.8199997,"sentiment":"positive","sentiment_score":0.530006488164266},{"text":"Hey.","start":5.44,"end":5.94,"sentiment":"neutral","sentiment_score":0.12895750999450684}],"sentiment":"neutral","sentiment_score":0.06756659001111984,"channel":1,"num_words":15,"start":0.48,"end":5.94},{"sentences":[{"text":"How","start":7.2799997,"end":7.68,"sentiment":"neutral","sentiment_score":0.10737365484237672}],"sentiment":"neutral","sentiment_score":0.10737365484237672,"channel":1,"num_words":1,"start":7.2799997,"end":7.68},{"sentences":[{"text":"Hey,","start":7.44,"end":7.7599998,"sentiment":"neutral","sentiment_score":0.11662134528160097}],"sentiment":"neutral","sentiment_score":0.11662134528160097,"channel":0,"num_words":1,"start":7.44,"end":7.7599998},{"sentences":[{"text":"you doing?","start":7.68,"end":8.26,"sentiment":"neutral","sentiment_score":0.09722622111439705}],"sentiment":"neutral","sentiment_score":0.09722622111439705,"channel":1,"num_words":2,"start":7.68,"end":8.26},{"sentences":[{"text":"Steven.","start":7.7599998,"end":8.08,"sentiment":"neutral","sentiment_score":0.08990773558616638},{"text":"It's saying it again.","start":8.08,"end":9.059999,"sentiment":"neutral","sentiment_score":0.141654834151268},{"text":"All good.","start":9.12,"end":9.5199995,"sentiment":"positive","sentiment_score":0.47299014031887054},{"text":"It's now okay.","start":9.5199995,"end":10.4,"sentiment":"neutral","sentiment_score":0.24402844905853271},{"text":"I'm so sorry.","start":10.4,"end":11.12,"sentiment":"neutral","sentiment_score":-0.04658021405339241}],"sentiment":"neutral","sentiment_score":0.1688347736803385,"channel":0,"num_words":13,"start":7.7599998,"end":11.12},{"sentences":[{"text":"Am I interrupting something?","start":11.12,"end":12.5,"sentiment":"neutral","sentiment_score":-0.06041830684989691}],"sentiment":"neutral","sentiment_score":-0.06041830684989691,"channel":0,"num_words":4,"start":11.12,"end":12.5},{"sentences":[{"text":"No.","start":12.88,"end":13.12,"sentiment":"neutral","sentiment_score":-0.10192830860614777},{"text":"No.","start":13.12,"end":13.28,"sentiment":"neutral","sentiment_score":-0.10138435661792757},{"text":"No.","start":13.28,"end":13.44,"sentiment":"neutral","sentiment_score":-0.09938360005617142},{"text":"No.","start":13.44,"end":13.559999,"sentiment":"neutral","sentiment_score":-0.11780846863985062},{"text":"No.","start":13.559999,"end":13.679999,"sentiment":"neutral","sentiment_score":-0.12101361155509947}],"sentiment":"neutral","sentiment_score":-0.10830366909503937,"channel":1,"num_words":5,"start":12.88,"end":13.679999},{"sentences":[{"text":"No.","start":13.679999,"end":13.92,"sentiment":"neutral","sentiment_score":-0.12292599678039552},{"text":"No.","start":13.92,"end":14.16,"sentiment":"neutral","sentiment_score":-0.11385151743888856},{"text":"That's alright.","start":14.16,"end":14.9,"sentiment":"neutral","sentiment_score":-0.038821496069431305}],"sentiment":"neutral","sentiment_score":-0.07860512658953667,"channel":1,"num_words":4,"start":13.679999,"end":14.9},{"sentences":[{"text":"That's okay.","start":15.295,"end":16.115002,"sentiment":"neutral","sentiment_score":0.115449920296669},{"text":"All good.","start":16.255001,"end":17.075,"sentiment":"neutral","sentiment_score":0.3137250542640686},{"text":"I have your email your statement of advice to you.","start":17.855,"end":20.495,"sentiment":"neutral","sentiment_score":0.10814783871173858},{"text":"Are you able to look at that as we're going through it at all?","start":20.495,"end":23.455,"sentiment":"neutral","sentiment_score":0.06535621798996415},{"text":"If not, that's okay.","start":23.455,"end":24.655,"sentiment":"neutral","sentiment_score":-0.009239557024557143}],"sentiment":"neutral","sentiment_score":0.08805803625000408,"channel":0,"num_words":32,"start":15.295,"end":24.655},{"sentences":[{"text":"I can go through it for you.","start":24.655,"end":26.835,"sentiment":"neutral","sentiment_score":0.09876658022403717}],"sentiment":"neutral","sentiment_score":0.09876658022403717,"channel":0,"num_words":7,"start":24.655,"end":26.835},{"sentences":[{"text":"I'll say no to that.","start":27.675,"end":29.055,"sentiment":"neutral","sentiment_score":-0.09626462012529373},{"text":"I'm","start":29.355,"end":29.73,"sentiment":"neutral","sentiment_score":-0.003146303351968527}],"sentiment":"neutral","sentiment_score":-0.08074490066307287,"channel":1,"num_words":6,"start":27.675,"end":29.73},{"sentences":[{"text":"Yep.","start":29.535,"end":29.88,"sentiment":"neutral","sentiment_score":0.008602671325206757}],"sentiment":"neutral","sentiment_score":0.008602671325206757,"channel":0,"num_words":1,"start":29.535,"end":29.88},{"sentences":[{"text":"leaving a friend's family friend's place.","start":30.529999,"end":34.07,"sentiment":"neutral","sentiment_score":-0.0005322335443149013}],"sentiment":"neutral","sentiment_score":-0.0005322335443149013,"channel":1,"num_words":6,"start":30.529999,"end":34.07},{"sentences":[{"text":"Okay.","start":34.6,"end":35.0,"sentiment":"neutral","sentiment_score":0.03929077461361885},{"text":"No.","start":35.0,"end":35.239998,"sentiment":"neutral","sentiment_score":0.02708832360804081},{"text":"That's absolutely fine.","start":35.239998,"end":36.44,"sentiment":"neutral","sentiment_score":0.15379799902439117},{"text":"Well, what I'll do is I'll run through the advice.","start":36.44,"end":38.699997,"sentiment":"neutral","sentiment_score":0.10618516430258751},{"text":"I'll let","start":39.0,"end":39.399998,"sentiment":"neutral","sentiment_score":0.07382224127650261}],"sentiment":"neutral","sentiment_score":0.10219230711021844,"channel":0,"num_words":17,"start":34.6,"end":39.399998},{"sentences":[{"text":"Yeah.","start":39.25,"end":39.75,"sentiment":"neutral","sentiment_score":0.08050493896007538}],"sentiment":"neutral","sentiment_score":0.08050493896007538,"channel":1,"num_words":1,"start":39.25,"end":39.75},{"sentences":[{"text":"you know as to what we're recommending, how, and why.","start":39.399998,"end":41.98,"sentiment":"neutral","sentiment_score":0.09524091109633445},{"text":"I'll limit it to the things I have to touch on, and then you're able to go back and have a good read of the document.","start":42.285,"end":47.265,"sentiment":"neutral","sentiment_score":0.1657099024607585},{"text":"And if you find you do have any questions that come from that, you're welcome to let me know 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way the quotes were that were coming through, The way we needed these quotes to be done, they had a lot of trouble with their system doing what I wanted them to.","start":64.869995,"end":72.215,"sentiment":"neutral","sentiment_score":-0.08013381865439993},{"text":"So,","start":72.215,"end":72.715,"sentiment":"neutral","sentiment_score":-0.0015866681933403015}],"sentiment":"neutral","sentiment_score":-0.07782360834672171,"channel":0,"num_words":34,"start":64.869995,"end":72.715},{"sentences":[{"text":"Yep.","start":72.955,"end":73.455,"sentiment":"neutral","sentiment_score":-0.0033202040940523148}],"sentiment":"neutral","sentiment_score":-0.0033202040940523148,"channel":1,"num_words":1,"start":72.955,"end":73.455},{"sentences":[{"text":"essentially,","start":73.735,"end":74.235,"sentiment":"neutral","sentiment_score":0.001970697892829776}],"sentiment":"neutral","sentiment_score":0.001970697892829776,"channel":0,"num_words":1,"start":73.735,"end":74.235},{"sentences":[{"text":"That's 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trauma.","start":256.98,"end":258.34,"sentiment":"neutral","sentiment_score":0.1331794172525406},{"text":"I have found an option for trauma cover based on what we know, and I'll go through that with you in a second as well.","start":258.34,"end":264.6,"sentiment":"neutral","sentiment_score":0.18891949623823165}],"sentiment":"neutral","sentiment_score":0.21415115914800587,"channel":0,"num_words":34,"start":255.94,"end":264.6},{"sentences":[{"text":"And then I've also got the estate planning side in there as well.","start":264.74,"end":268.995,"sentiment":"neutral","sentiment_score":0.190875659768398},{"text":"So just making sure your beneficiaries are applied to the account, making sure that we can help you to fill those out, nominate that to your partner.","start":269.07498,"end":275.875,"sentiment":"neutral","sentiment_score":0.249006528545309},{"text":"So if anything happens, you wanna make sure the money is paid to him so he can pay the mortgage 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things for you because the insurance is really is a base that we wanna kinda start.","start":308.86502,"end":322.84,"sentiment":"neutral","sentiment_score":0.2389953291416168},{"text":"As I kinda mentioned, you've got your life, your TDD, and your income protection there at the moment.","start":323.62,"end":328.60498,"sentiment":"neutral","sentiment_score":0.08816288784146309},{"text":"At the moment, your current coverage of life cover you've got is something short of 212,839.","start":329.065,"end":335.805,"sentiment":"neutral","sentiment_score":-0.0020774892764165998}],"sentiment":"neutral","sentiment_score":0.16543003905911086,"channel":0,"num_words":86,"start":306.70502,"end":335.805},{"sentences":[{"text":"We're able to look at increasing that to a million dollars.","start":335.945,"end":338.845,"sentiment":"neutral","sentiment_score":0.19560170512307773},{"text":"That then pays out the mortgage if anything happens and allows your super to be paid out on top of that.","start":339.38,"end":344.68,"sentiment":"neutral","sentiment_score":0.15823552899417423},{"text":"The one thing I do have to let you know is because and this is the same as the last advice paid providers.","start":345.3,"end":350.58,"sentiment":"neutral","sentiment_score":-0.06685671890559404},{"text":"Because of the ankylosing thondylitis, it is","start":350.58,"end":353.895,"sentiment":"neutral","sentiment_score":-0.16940946025507791}],"sentiment":"neutral","sentiment_score":0.04437087271963396,"channel":0,"num_words":62,"start":335.945,"end":353.895},{"sentences":[{"text":"Yeah.","start":353.69998,"end":354.19998,"sentiment":"neutral","sentiment_score":-0.1731490194797516}],"sentiment":"neutral","sentiment_score":-0.1731490194797516,"channel":1,"num_words":1,"start":353.69998,"end":354.19998},{"sentences":[{"text":"a much high risk condition.","start":353.895,"end":355.595,"sentiment":"negative","sentiment_score":-0.4096639573574066},{"text":"So insurers do see that as very high risk with what can essentially come out of it.","start":355.655,"end":361.57498,"sentiment":"neutral","sentiment_score":-0.3051537222721997},{"text":"You know, they're essentially assessing it as being progressive and symptomatic, and it carries a high probability of long term functional impairment and hidden systematic complications.","start":361.57498,"end":372.12,"sentiment":"neutral","sentiment_score":-0.2799984577756662},{"text":"So they assess that risk level when they are assessing that, and it does","start":372.5,"end":376.9,"sentiment":"neutral","sentiment_score":-0.08601069077849388}],"sentiment":"neutral","sentiment_score":-0.25354907481420424,"channel":0,"num_words":62,"start":353.895,"end":376.9},{"sentences":[{"text":"Yeah.","start":376.87,"end":377.37,"sentiment":"neutral","sentiment_score":-0.03727633878588677}],"sentiment":"neutral","sentiment_score":-0.03727633878588677,"channel":1,"num_words":1,"start":376.87,"end":377.37},{"sentences":[{"text":"essentially mean that we can increase the cover, but it does come with a loading.","start":376.9,"end":381.24,"sentiment":"neutral","sentiment_score":-0.04034916559855143},{"text":"They've assessed it either one to 200% loading, and that will be assessed fully at the time of underwriting.","start":382.085,"end":388.585,"sentiment":"neutral","sentiment_score":-0.03859124930673524},{"text":"I don't like that, and I'm very sorry for that.","start":389.285,"end":391.445,"sentiment":"negative","sentiment_score":-0.6043618023395538},{"text":"It does make the policy a bit more expensive to hold, But I","start":391.445,"end":395.64,"sentiment":"negative","sentiment_score":-0.3893570699370824}],"sentiment":"neutral","sentiment_score":-0.21831107286638335,"channel":0,"num_words":57,"start":376.9,"end":395.64},{"sentences":[{"text":"Yep.","start":395.63498,"end":396.13498,"sentiment":"neutral","sentiment_score":-0.11766520142555235}],"sentiment":"neutral","sentiment_score":-0.11766520142555235,"channel":1,"num_words":1,"start":395.63498,"end":396.13498},{"sentences":[{"text":"do like a loading over exclusion.","start":395.64,"end":397.74,"sentiment":"neutral","sentiment_score":-0.1186174067358176},{"text":"So, essentially, when there are preexisting conditions, they","start":397.96,"end":401.80002,"sentiment":"neutral","sentiment_score":-0.09037083853036165}],"sentiment":"neutral","sentiment_score":-0.1024765106184142,"channel":0,"num_words":14,"start":395.64,"end":401.80002},{"sentences":[{"text":"Yep.","start":401.65,"end":402.15,"sentiment":"neutral","sentiment_score":-0.14863309264183044}],"sentiment":"neutral","sentiment_score":-0.14863309264183044,"channel":1,"num_words":1,"start":401.65,"end":402.15},{"sentences":[{"text":"tend to either add a loading, which makes the policy more expensive, but still allows you to to claim on the policy for any, you know, death or illness as a result of the previous condition.","start":401.80002,"end":414.545,"sentiment":"neutral","sentiment_score":-0.21370767222510445},{"text":"So if there's something and I'm gonna be really honest.","start":414.545,"end":417.185,"sentiment":"neutral","sentiment_score":-0.13933600336313248},{"text":"I'm not a doctor, so I don't know a great deal about analyzing fundalized and how that can be progressive.","start":417.185,"end":422.885,"sentiment":"neutral","sentiment_score":-0.24255054593086242},{"text":"It's just what I've gone through with doing the research for you.","start":423.265,"end":426.81998,"sentiment":"neutral","sentiment_score":-0.10696871516605218},{"text":"But,","start":427.36,"end":427.59998,"sentiment":"neutral","sentiment_score":-0.09409958869218826}],"sentiment":"neutral","sentiment_score":-0.19386799143084996,"channel":0,"num_words":79,"start":401.80002,"end":427.59998},{"sentences":[{"text":"Yep.","start":427.37,"end":427.87,"sentiment":"neutral","sentiment_score":-0.12211322784423828}],"sentiment":"neutral","sentiment_score":-0.12211322784423828,"channel":1,"num_words":1,"start":427.37,"end":427.87},{"sentences":[{"text":"essentially, if if you were to pass away as a result of, you know, any kind of progression with regards to anxalizing spondylitis, it does mean that they will still pay out the life cover.","start":427.59998,"end":438.18,"sentiment":"neutral","sentiment_score":-0.2798574549811227},{"text":"Whereas if they have to put an exclusion onto that, which is what they tend to do with cancer,","start":438.495,"end":442.755,"sentiment":"neutral","sentiment_score":-0.27509071403428126}],"sentiment":"neutral","sentiment_score":-0.2781802683516785,"channel":0,"num_words":54,"start":427.59998,"end":442.755},{"sentences":[{"text":"Yep.","start":442.83502,"end":443.33502,"sentiment":"neutral","sentiment_score":-0.190713569521904}],"sentiment":"neutral","sentiment_score":-0.190713569521904,"channel":1,"num_words":1,"start":442.83502,"end":443.33502},{"sentences":[{"text":"they tend to put, like, a cancer exclusion, which means that the person passes away as a result of cancer or as a result of something that, you know, progressed from cancer, they don't pay","start":443.135,"end":453.09,"sentiment":"negative","sentiment_score":-0.34587002864905764}],"sentiment":"negative","sentiment_score":-0.34587002864905764,"channel":0,"num_words":35,"start":443.135,"end":453.09},{"sentences":[{"text":"Yep.","start":453.075,"end":453.54,"sentiment":"negative","sentiment_score":-0.35917744040489197}],"sentiment":"negative","sentiment_score":-0.35917744040489197,"channel":1,"num_words":1,"start":453.075,"end":453.54},{"sentences":[{"text":"out the life benefit.","start":453.09,"end":454.22998,"sentiment":"neutral","sentiment_score":-0.2825405653566122},{"text":"So generally speaking, a loading over exclusion is more preferable,","start":454.37,"end":458.38998,"sentiment":"neutral","sentiment_score":0.1043432429432869}],"sentiment":"neutral","sentiment_score":-0.006194987999541419,"channel":0,"num_words":14,"start":453.09,"end":458.38998},{"sentences":[{"text":"Yep.","start":459.38,"end":459.88,"sentiment":"neutral","sentiment_score":0.3278890550136566}],"sentiment":"neutral","sentiment_score":0.3278890550136566,"channel":1,"num_words":1,"start":459.38,"end":459.88},{"sentences":[{"text":"and I do expect a loading on this policy.","start":459.41,"end":461.75,"sentiment":"neutral","sentiment_score":0.31253063347604537},{"text":"It does mean that with the life policy, once we complete the increase, the policy goes from being $60.47.","start":461.88998,"end":472.715,"sentiment":"neutral","sentiment_score":0.19763886457995364},{"text":"It does go to being $4,074 for the year.","start":473.095,"end":476.775,"sentiment":"neutral","sentiment_score":0.12942801829841402},{"text":"So it is a much higher cost, albeit deducted out of super funds.","start":476.775,"end":480.69,"sentiment":"neutral","sentiment_score":-0.004989297057573612},{"text":"So I just wanted to be open and disclose that to you so you're full aware.","start":480.69,"end":484.31,"sentiment":"neutral","sentiment_score":0.1052707452327013}],"sentiment":"neutral","sentiment_score":0.1417005659843033,"channel":0,"num_words":66,"start":459.41,"end":484.31},{"sentences":[{"text":"Okay?","start":484.69,"end":485.19,"sentiment":"neutral","sentiment_score":0.04851723462343216}],"sentiment":"neutral","sentiment_score":0.04851723462343216,"channel":0,"num_words":1,"start":484.69,"end":485.19},{"sentences":[{"text":"Is now a good time to say, can we turn the recording off?","start":487.57,"end":490.79,"sentiment":"neutral","sentiment_score":0.024086491849560004}],"sentiment":"neutral","sentiment_score":0.024086491849560004,"channel":1,"num_words":13,"start":487.57,"end":490.79},{"sentences":[{"text":"Probably not because you just said that.","start":493.615,"end":495.79498,"sentiment":"neutral","sentiment_score":-0.12663039777960097},{"text":"And I have a duty of care.","start":497.055,"end":498.655,"sentiment":"neutral","sentiment_score":-0.07124523924929756},{"text":"I'm sorry, Steven.","start":498.655,"end":499.715,"sentiment":"neutral","sentiment_score":-0.23002331455548605},{"text":"Anything I currently know about isn't a good thing.","start":500.735,"end":503.79498,"sentiment":"negative","sentiment_score":-0.5340550740559896}],"sentiment":"neutral","sentiment_score":-0.2646805795912559,"channel":0,"num_words":26,"start":493.615,"end":503.79498},{"sentences":[{"text":"No.","start":505.285,"end":505.445,"sentiment":"negative","sentiment_score":-0.41211652755737305},{"text":"No.","start":505.445,"end":505.605,"sentiment":"negative","sentiment_score":-0.42734548449516296},{"text":"No.","start":505.605,"end":505.76498,"sentiment":"negative","sentiment_score":-0.4334020018577576},{"text":"No.","start":505.76498,"end":506.085,"sentiment":"negative","sentiment_score":-0.4363293945789337},{"text":"It wasn't that.","start":506.085,"end":506.885,"sentiment":"negative","sentiment_score":-0.43510077397028607}],"sentiment":"negative","sentiment_score":-0.4306422472000122,"channel":1,"num_words":7,"start":505.285,"end":506.885},{"sentences":[{"text":"It it was just gonna be holy shit.","start":506.885,"end":509.065,"sentiment":"negative","sentiment_score":-0.5279644541442394}],"sentiment":"negative","sentiment_score":-0.5279644541442394,"channel":1,"num_words":8,"start":506.885,"end":509.065},{"sentences":[{"text":"Oh, no.","start":510.79,"end":511.19,"sentiment":"neutral","sentiment_score":-0.09071850031614304},{"text":"That's okay.","start":511.19,"end":511.91,"sentiment":"neutral","sentiment_score":0.05969139095395803},{"text":"Don't you worry.","start":511.91,"end":512.81,"sentiment":"neutral","sentiment_score":0.12078677862882614},{"text":"You can swear and you can say anything you need.","start":512.95,"end":515.51,"sentiment":"neutral","sentiment_score":0.1941821053624153},{"text":"It's not a problem at all.","start":515.51,"end":517.21,"sentiment":"neutral","sentiment_score":0.32115240891774494}],"sentiment":"neutral","sentiment_score":0.18126267931707526,"channel":0,"num_words":23,"start":510.79,"end":517.21},{"sentences":[{"text":"Yeah.","start":518.24,"end":518.56,"sentiment":"neutral","sentiment_score":0.07798956334590912},{"text":"I wasn't expecting that for, like, $500 up to 4,500.","start":518.56,"end":523.38,"sentiment":"neutral","sentiment_score":0.019808053318411113},{"text":"Wow.","start":523.52,"end":524.02,"sentiment":"neutral","sentiment_score":0.17236338555812836}],"sentiment":"neutral","sentiment_score":0.03736945684067905,"channel":1,"num_words":12,"start":518.24,"end":524.02},{"sentences":[{"text":"Yeah.","start":524.625,"end":524.865,"sentiment":"neutral","sentiment_score":0.21191637217998505},{"text":"It is a big jump, and it's because the like, obviously, there's the increase in the policy with increasing it from $200,000 as it come in short to a million, but then there's","start":524.865,"end":535.505,"sentiment":"neutral","sentiment_score":0.17897349550868524}],"sentiment":"neutral","sentiment_score":0.17994240364607642,"channel":0,"num_words":34,"start":524.625,"end":535.505},{"sentences":[{"text":"Yep.","start":535.435,"end":535.935,"sentiment":"neutral","sentiment_score":0.17959384620189667}],"sentiment":"neutral","sentiment_score":0.17959384620189667,"channel":1,"num_words":1,"start":535.435,"end":535.935},{"sentences":[{"text":"also that, you know, one to 200% loading.","start":535.505,"end":538.17,"sentiment":"neutral","sentiment_score":0.18586265482008457},{"text":"And I've included a 200% loading in that increased amount, so I'm over disclosing.","start":538.17,"end":543.31,"sentiment":"neutral","sentiment_score":0.19532087871006557},{"text":"That way, if the insurer comes back and goes, hey.","start":543.77,"end":546.09,"sentiment":"neutral","sentiment_score":0.2186545103788376},{"text":"You've had it a bit longer.","start":546.09,"end":547.39,"sentiment":"neutral","sentiment_score":0.2442605420947075},{"text":"Things are really well under control.","start":547.93,"end":549.605,"sentiment":"positive","sentiment_score":0.49690114458401996}],"sentiment":"neutral","sentiment_score":0.2467024719173258,"channel":0,"num_words":44,"start":535.505,"end":549.605},{"sentences":[{"text":"We might reduce that loading to 100%.","start":549.605,"end":552.085,"sentiment":"neutral","sentiment_score":0.33057517664773123},{"text":"It means that the policy could be a bit cheaper for you as 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it's","start":558.445,"end":561.825,"sentiment":"neutral","sentiment_score":-0.09602501280605794}],"sentiment":"neutral","sentiment_score":-0.09602501280605794,"channel":1,"num_words":10,"start":558.445,"end":561.825},{"sentences":[{"text":"Nice.","start":562.005,"end":562.44,"sentiment":"neutral","sentiment_score":0.2271418869495392}],"sentiment":"neutral","sentiment_score":0.2271418869495392,"channel":0,"num_words":1,"start":562.005,"end":562.44},{"sentences":[{"text":"you've you have over quite okay.","start":562.925,"end":564.685,"sentiment":"neutral","sentiment_score":0.10895146429538727},{"text":"Okay.","start":564.685,"end":565.185,"sentiment":"neutral","sentiment_score":0.09823841601610184}],"sentiment":"neutral","sentiment_score":0.10742102882691792,"channel":1,"num_words":7,"start":562.925,"end":565.185},{"sentences":[{"text":"Yeah.","start":565.56,"end":565.88,"sentiment":"neutral","sentiment_score":0.1477183997631073}],"sentiment":"neutral","sentiment_score":0.1477183997631073,"channel":0,"num_words":1,"start":565.56,"end":565.88},{"sentences":[{"text":"That's","start":565.725,"end":565.965,"sentiment":"neutral","sentiment_score":0.2147974669933319}],"sentiment":"neutral","sentiment_score":0.2147974669933319,"channel":1,"num_words":1,"start":565.725,"end":565.965},{"sentences":[{"text":"Yeah.","start":565.88,"end":566.12,"sentiment":"neutral","sentiment_score":0.33283573389053345}],"sentiment":"neutral","sentiment_score":0.33283573389053345,"channel":0,"num_words":1,"start":565.88,"end":566.12},{"sentences":[{"text":"cool.","start":565.965,"end":566.465,"sentiment":"positive","sentiment_score":0.4428594410419464}],"sentiment":"positive","sentiment_score":0.4428594410419464,"channel":1,"num_words":1,"start":565.965,"end":566.465},{"sentences":[{"text":"Definitely.","start":566.12,"end":566.62,"sentiment":"neutral","sentiment_score":0.32193905115127563},{"text":"So 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it","start":590.44,"end":590.75995,"sentiment":"neutral","sentiment_score":0.023989589884877205}],"sentiment":"neutral","sentiment_score":0.0633217645699487,"channel":0,"num_words":85,"start":566.12,"end":590.75995},{"sentences":[{"text":"Yep.","start":590.605,"end":591.105,"sentiment":"neutral","sentiment_score":-0.00016011919069569558}],"sentiment":"neutral","sentiment_score":-0.00016011919069569558,"channel":1,"num_words":1,"start":590.605,"end":591.105},{"sentences":[{"text":"all comes down to what happens when they request doctor's report and what comes out in that.","start":590.75995,"end":595.82,"sentiment":"neutral","sentiment_score":-0.023715733495705268},{"text":"And depending on what else is there, so you've also sort of noted there are other kidney going from the polyps.","start":596.51996,"end":602.6,"sentiment":"neutral","sentiment_score":-0.04537908941329945},{"text":"They are gonna request doctor's reports for those sorts of things and check that there's no ongoing issues.","start":602.6,"end":607.845,"sentiment":"neutral","sentiment_score":-0.02045896931344436},{"text":"If they find anything, there could be additional loadings or exclusions applied.","start":608.545,"end":612.625,"sentiment":"neutral","sentiment_score":-0.13835455973943075},{"text":"There could be a decline.","start":612.625,"end":613.845,"sentiment":"neutral","sentiment_score":-0.2614802002906799}],"sentiment":"neutral","sentiment_score":-0.06427459606951842,"channel":0,"num_words":73,"start":590.75995,"end":613.845},{"sentences":[{"text":"It's just all based on it will come down to what's in the doctor's report.","start":614.46497,"end":618.305,"sentiment":"neutral","sentiment_score":-0.09169211859504382},{"text":"So as long as, you know, there's been no major issues, you don't you you haven't had to, you know, have any test of all the sick kidney disease or the ongoing problems from the kidney stones and things like that, then hopefully, that will assess pretty 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disclose so you can expect this is what we're expecting.","start":642.885,"end":647.065,"sentiment":"neutral","sentiment_score":-0.24931733310222626},{"text":"But we hope for a much better result for you, and we will work very closely with the underwriters and keep track of what's happening so we can kinda see what what comes out of it.","start":647.56,"end":658.06,"sentiment":"neutral","sentiment_score":0.2121556376417478},{"text":"There is always with every insurance application, there's always a risk of a decline.","start":659.16003,"end":664.045,"sentiment":"negative","sentiment_score":-0.4159102865627834},{"text":"If the doctor's report have something that hasn't been noted or the doctor's written, you know, something saying something is worse than it was or there's been other symptoms or anything that's not disclosed, then there could be there's always a risk of a decline with the policy as 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eventually,","start":700.53503,"end":701.275,"sentiment":"neutral","sentiment_score":0.2600298821926117}],"sentiment":"neutral","sentiment_score":0.3266572336045404,"channel":0,"num_words":60,"start":679.09,"end":701.275},{"sentences":[{"text":"Yep.","start":700.985,"end":701.485,"sentiment":"positive","sentiment_score":0.33622580766677856}],"sentiment":"positive","sentiment_score":0.33622580766677856,"channel":1,"num_words":1,"start":700.985,"end":701.485},{"sentences":[{"text":"that will just get to the million dollar mark, and those increases don't incur any underwriting.","start":701.41504,"end":706.315,"sentiment":"neutral","sentiment_score":0.3286701161414385},{"text":"So there's no current exclusions on your TBD policy, and that benefit will just keep increasing as it goes through renewal along with CPI, and that will eventually get to the million dollar mark without any additional underwriting there.","start":706.53503,"end":720.51,"sentiment":"neutral","sentiment_score":0.32519025575274074},{"text":"But they weren't able to offer any new disability cover there.","start":720.51,"end":723.625,"sentiment":"neutral","sentiment_score":-0.09800515798005191},{"text":"So this allows","start":723.625,"end":725.22504,"sentiment":"neutral","sentiment_score":0.2650557706753413}],"sentiment":"neutral","sentiment_score":0.25591670154877333,"channel":0,"num_words":69,"start":701.41504,"end":725.22504},{"sentences":[{"text":"Yep.","start":724.915,"end":725.415,"sentiment":"positive","sentiment_score":0.3661855161190033}],"sentiment":"positive","sentiment_score":0.3661855161190033,"channel":1,"num_words":1,"start":724.915,"end":725.415},{"sentences":[{"text":"you to keep increasing your TBD in smaller increments and eventually get to your goal, albeit we know at the moment we're not quite there.","start":725.22504,"end":733.405,"sentiment":"neutral","sentiment_score":0.29202421694993974},{"text":"It's still only 849,000, and I'm just owning that for you as well.","start":733.625,"end":739.3,"sentiment":"neutral","sentiment_score":0.16998731459562594},{"text":"Okay?","start":739.3,"end":739.8,"sentiment":"neutral","sentiment_score":0.04707424342632294}],"sentiment":"neutral","sentiment_score":0.2450644809466142,"channel":0,"num_words":39,"start":725.22504,"end":739.8},{"sentences":[{"text":"Okay.","start":740.7,"end":741.2,"sentiment":"neutral","sentiment_score":0.022446464747190475}],"sentiment":"neutral","sentiment_score":0.022446464747190475,"channel":1,"num_words":1,"start":740.7,"end":741.2},{"sentences":[{"text":"With the income protection.","start":742.26,"end":743.64,"sentiment":"neutral","sentiment_score":-0.009298879653215408},{"text":"So we had a bit of a look.","start":743.78,"end":745.72003,"sentiment":"neutral","sentiment_score":-0.021455023903399706},{"text":"Based on 70% of your income, you are slightly over insured there.","start":746.02,"end":749.7,"sentiment":"neutral","sentiment_score":-0.04787908215075731},{"text":"However, if I was to go back and decrease or alter that income protection policy, if you get","start":749.7,"end":756.015,"sentiment":"neutral","sentiment_score":-0.08043400943279266}],"sentiment":"neutral","sentiment_score":-0.05312373489141464,"channel":0,"num_words":42,"start":742.26,"end":756.015},{"sentences":[{"text":"Yeah.","start":755.865,"end":756.365,"sentiment":"neutral","sentiment_score":-0.03567967191338539}],"sentiment":"neutral","sentiment_score":-0.03567967191338539,"channel":1,"num_words":1,"start":755.865,"end":756.365},{"sentences":[{"text":"an increase in income and then we need to reincrease the policy, I wouldn't be able to do so because all the insurers came back saying they wouldn't offer disability cover full stuff.","start":756.015,"end":765.55,"sentiment":"neutral","sentiment_score":-0.17896114312338107},{"text":"It was a full decline.","start":765.55,"end":766.77,"sentiment":"neutral","sentiment_score":-0.29347082376480105},{"text":"So I felt it was best to keep your income protection policy as it is.","start":767.39,"end":771.07,"sentiment":"neutral","sentiment_score":-0.007478885352611542},{"text":"It allows the increases in your income, and it means that you can claim a higher benefit if you need to.","start":771.07,"end":777.57,"sentiment":"neutral","sentiment_score":0.2043851777201607},{"text":"All b will keep you know, looking at it.","start":777.71,"end":779.52496,"sentiment":"neutral","sentiment_score":-0.019278314171565905}],"sentiment":"neutral","sentiment_score":-0.040562303826571944,"channel":0,"num_words":83,"start":756.015,"end":779.52496},{"sentences":[{"text":"If it becomes overly expensive, it's only a small amount over insured by, so it's not","start":779.52496,"end":785.285,"sentiment":"neutral","sentiment_score":-0.11851185793057084}],"sentiment":"neutral","sentiment_score":-0.11851185793057084,"channel":0,"num_words":16,"start":779.52496,"end":785.285},{"sentences":[{"text":"Yep.","start":785.175,"end":785.675,"sentiment":"neutral","sentiment_score":-0.12766362726688385}],"sentiment":"neutral","sentiment_score":-0.12766362726688385,"channel":1,"num_words":1,"start":785.175,"end":785.675},{"sentences":[{"text":"a huge difference.","start":785.285,"end":786.345,"sentiment":"neutral","sentiment_score":-0.18405852715174356},{"text":"But if it became too much at any point, we absolutely would look to decrease it.","start":786.88495,"end":791.52496,"sentiment":"neutral","sentiment_score":-0.27036712877452374},{"text":"But for now, I'm not making any changes to the the amount you're insured for because instead, we can't increase it back if we need to, and that is a bigger risk over being over insured by a couple of $100 per month, essentially.","start":791.52496,"end":804.88,"sentiment":"neutral","sentiment_score":-0.24753832986409013},{"text":"Does that make sense?","start":805.10004,"end":806.16003,"sentiment":"neutral","sentiment_score":-0.026197181083261967}],"sentiment":"neutral","sentiment_score":-0.2369332071671735,"channel":0,"num_words":67,"start":785.285,"end":806.16003},{"sentences":[{"text":"Yeah.","start":806.565,"end":806.965,"sentiment":"neutral","sentiment_score":0.0417497456073761},{"text":"That makes sense.","start":806.965,"end":807.945,"sentiment":"neutral","sentiment_score":0.0844174474477768}],"sentiment":"neutral","sentiment_score":0.07375052198767662,"channel":1,"num_words":4,"start":806.565,"end":807.945},{"sentences":[{"text":"Yep.","start":808.62,"end":809.12,"sentiment":"neutral","sentiment_score":0.11974295228719713},{"text":"Beautiful.","start":809.18,"end":809.68,"sentiment":"positive","sentiment_score":0.36079949140548706},{"text":"The total yearly premium, this is probably gonna make you swear again.","start":811.02496,"end":815.90497,"sentiment":"neutral","sentiment_score":-0.16851634408036867},{"text":"I'm very sorry.","start":815.90497,"end":816.805,"sentiment":"neutral","sentiment_score":-0.31566906968752545},{"text":"When we when we be when we increase your life and add it to the TBD and the income protection because it's all kinda paid out of super there, essentially,","start":818.38495,"end":829.64996,"sentiment":"neutral","sentiment_score":0.047308986509839696}],"sentiment":"neutral","sentiment_score":-0.022753006362534585,"channel":0,"num_words":47,"start":808.62,"end":829.64996},{"sentences":[{"text":"Yes.","start":829.24,"end":829.74,"sentiment":"positive","sentiment_score":0.3633093237876892}],"sentiment":"positive","sentiment_score":0.3633093237876892,"channel":1,"num_words":1,"start":829.24,"end":829.74},{"sentences":[{"text":"you do have a a flexi link policy.","start":829.70996,"end":831.47,"sentiment":"positive","sentiment_score":0.41923749446868896},{"text":"Some of it is paid out of pocket, and that will just stay exactly as it is, which is absolutely fine.","start":831.47,"end":836.05,"sentiment":"positive","sentiment_score":0.3909337988921574},{"text":"But, essentially,","start":836.575,"end":837.21497,"sentiment":"neutral","sentiment_score":0.12016910687088966}],"sentiment":"positive","sentiment_score":0.3807692885879547,"channel":0,"num_words":31,"start":829.70996,"end":837.21497},{"sentences":[{"text":"Yep.","start":837.125,"end":837.625,"sentiment":"neutral","sentiment_score":0.1287860870361328}],"sentiment":"neutral","sentiment_score":0.1287860870361328,"channel":1,"num_words":1,"start":837.125,"end":837.625},{"sentences":[{"text":"the total that you have for the pay this year for your policy total is about $4,817.33.","start":837.21497,"end":846.515,"sentiment":"neutral","sentiment_score":0.11064626232666128},{"text":"When we look to increase the policy, the total that is expected to be paid based on the reset is $7,679.","start":846.89496,"end":856.86,"sentiment":"neutral","sentiment_score":0.06726448628164473},{"text":"It's increasing your total insurance payment out of your super by about $2,862.","start":857.8,"end":864.51996,"sentiment":"neutral","sentiment_score":0.027523504570126534},{"text":"So it is an increased cost.","start":864.51996,"end":866.495,"sentiment":"neutral","sentiment_score":-0.0414141391714414},{"text":"It is also increasing that level of cover for life.","start":866.495,"end":869.235,"sentiment":"neutral","sentiment_score":-0.057823982834815976}],"sentiment":"neutral","sentiment_score":0.04215853085824803,"channel":0,"num_words":67,"start":837.21497,"end":869.235},{"sentences":[{"text":"And when I weigh up the options, it is still best to do so because if you pass away, once you get that half handed over and that million dollar mortgage, this life cover would pay that out.","start":869.615,"end":880.62,"sentiment":"neutral","sentiment_score":-0.11428292850522619},{"text":"What I really kinda wanna reiterate is that what I wanna do moving forward, because I know this has an effect on your super and your overall retirement asset, is","start":881.42,"end":891.02,"sentiment":"neutral","sentiment_score":0.20384195521473886}],"sentiment":"neutral","sentiment_score":0.02606628490064074,"channel":0,"num_words":68,"start":869.615,"end":891.02},{"sentences":[{"text":"Yeah.","start":890.955,"end":891.455,"sentiment":"neutral","sentiment_score":0.12388041615486144}],"sentiment":"neutral","sentiment_score":0.12388041615486144,"channel":1,"num_words":1,"start":890.955,"end":891.455},{"sentences":[{"text":"as your mortgage decreases, as your super balance increases, we look to reduce that that life cover down.","start":891.02,"end":899.405,"sentiment":"neutral","sentiment_score":0.05279468620816866},{"text":"That way we can reduce it back, keep the cost, you know, reducing over time, keep more inside","start":899.705,"end":906.34503,"sentiment":"neutral","sentiment_score":0.15799332617057693}],"sentiment":"neutral","sentiment_score":0.10539400618937281,"channel":0,"num_words":36,"start":891.02,"end":906.34503},{"sentences":[{"text":"Yep.","start":906.02997,"end":906.52997,"sentiment":"neutral","sentiment_score":0.10476170480251312}],"sentiment":"neutral","sentiment_score":0.10476170480251312,"channel":1,"num_words":1,"start":906.02997,"end":906.52997},{"sentences":[{"text":"your super, and just keep altering it as we need to, whether it be every year, every six months.","start":906.34503,"end":912.54004,"sentiment":"neutral","sentiment_score":0.10238214739059147},{"text":"It doesn't really matter.","start":912.54004,"end":913.5,"sentiment":"neutral","sentiment_score":0.031506956554949284},{"text":"But as you pay down the mortgage, as your super balance increases, as things are working really well, we just decrease that life cover back so that it's covering","start":913.5,"end":922.32,"sentiment":"neutral","sentiment_score":0.03886281217223611}],"sentiment":"neutral","sentiment_score":0.061505964992997736,"channel":0,"num_words":52,"start":906.34503,"end":922.32},{"sentences":[{"text":"Yep.","start":921.845,"end":922.345,"sentiment":"neutral","sentiment_score":0.02964269369840622}],"sentiment":"neutral","sentiment_score":0.02964269369840622,"channel":1,"num_words":1,"start":921.845,"end":922.345},{"sentences":[{"text":"the mortgage or what you need to cover, but that 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sense?","start":930.685,"end":931.745,"sentiment":"neutral","sentiment_score":0.0863519012928009}],"sentiment":"neutral","sentiment_score":0.03625842082229527,"channel":0,"num_words":22,"start":925.645,"end":931.745},{"sentences":[{"text":"Yeah.","start":932.67,"end":933.07,"sentiment":"neutral","sentiment_score":0.1063927561044693},{"text":"Yeah.","start":933.07,"end":933.57,"sentiment":"neutral","sentiment_score":0.15075260400772095}],"sentiment":"neutral","sentiment_score":0.12857268005609512,"channel":1,"num_words":2,"start":932.67,"end":933.57},{"sentences":[{"text":"Yes.","start":934.685,"end":935.185,"sentiment":"neutral","sentiment_score":0.21891742944717407},{"text":"And go for it.","start":935.885,"end":936.60504,"sentiment":"neutral","sentiment_score":0.2817229703068733},{"text":"Say whatever you need to.","start":936.60504,"end":937.72504,"sentiment":"neutral","sentiment_score":0.2232494980096817},{"text":"If you wanna swear, you're fine.","start":937.72504,"end":939.39,"sentiment":"neutral","sentiment_score":0.17584575712680817},{"text":"You just fine.","start":939.39,"end":939.87,"sentiment":"neutral","sentiment_score":0.24848636984825134}],"sentiment":"neutral","sentiment_score":0.22434686594887784,"channel":0,"num_words":19,"start":934.685,"end":939.87},{"sentences":[{"text":"I understand it.","start":939.87,"end":941.73004,"sentiment":"neutral","sentiment_score":0.10759900758663814}],"sentiment":"neutral","sentiment_score":0.10759900758663814,"channel":0,"num_words":3,"start":939.87,"end":941.73004},{"sentences":[{"text":"Well, I I did it to be higher, obviously, because of the other 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overall,","start":966.07996,"end":966.8,"sentiment":"neutral","sentiment_score":0.03528034873306751}],"sentiment":"neutral","sentiment_score":-0.05244931068859602,"channel":1,"num_words":38,"start":952.105,"end":966.8},{"sentences":[{"text":"Well,","start":966.705,"end":967.185,"sentiment":"neutral","sentiment_score":0.03133654594421387}],"sentiment":"neutral","sentiment_score":0.03133654594421387,"channel":0,"num_words":1,"start":966.705,"end":967.185},{"sentences":[{"text":"seven","start":966.8,"end":967.19995,"sentiment":"neutral","sentiment_score":0.05735449120402336}],"sentiment":"neutral","sentiment_score":0.05735449120402336,"channel":1,"num_words":1,"start":966.8,"end":967.19995},{"sentences":[{"text":"not","start":967.185,"end":967.685,"sentiment":"neutral","sentiment_score":0.03114006295800209}],"sentiment":"neutral","sentiment_score":0.03114006295800209,"channel":0,"num_words":1,"start":967.185,"end":967.685},{"sentences":[{"text":"thousand, or I'm talking eleven, twelve thousand ish?","start":967.19995,"end":971.45996,"sentiment":"neutral","sentiment_score":0.04563902923837304}],"sentiment":"neutral","sentiment_score":0.04563902923837304,"channel":1,"num_words":8,"start":967.19995,"end":971.45996},{"sentences":[{"text":"not too not too bad at all because, realistically, it's still putting you in front.","start":971.63,"end":977.17004,"sentiment":"neutral","sentiment_score":0.23943281471729277},{"text":"So the other thing is we're going to once you've we have to basically do it to be increase your life insurance first.","start":977.23004,"end":983.735,"sentiment":"neutral","sentiment_score":0.20745614980873855},{"text":"That way, you've got your million dollar cover.","start":983.735,"end":985.595,"sentiment":"neutral","sentiment_score":0.27531130239367485},{"text":"And then we","start":985.89496,"end":986.45496,"sentiment":"neutral","sentiment_score":0.0804959957798322}],"sentiment":"neutral","sentiment_score":0.22055024638467904,"channel":0,"num_words":49,"start":971.63,"end":986.45496},{"sentences":[{"text":"Yep.","start":986.375,"end":986.875,"sentiment":"neutral","sentiment_score":0.0597497783601284}],"sentiment":"neutral","sentiment_score":0.0597497783601284,"channel":1,"num_words":1,"start":986.375,"end":986.875},{"sentences":[{"text":"can still remember last time we talked about transferring that policy over?","start":986.45496,"end":990.375,"sentiment":"neutral","sentiment_score":0.035302790657927595},{"text":"So it transferred from Asgard into Hub twenty four and paid out of your Hub twenty four account.","start":990.375,"end":995.415,"sentiment":"neutral","sentiment_score":0.0889569812764724},{"text":"That allows us to consolidate the two.","start":995.415,"end":997.29004,"sentiment":"neutral","sentiment_score":0.11312361487320491},{"text":"Do you remember going 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we're still gonna be able to do that, which means that we'll the way it has to work is we increase the life first, then we do the","start":1000.97003,"end":1008.57,"sentiment":"positive","sentiment_score":0.456621776367056}],"sentiment":"positive","sentiment_score":0.4615687131881714,"channel":0,"num_words":31,"start":999.45,"end":1008.57},{"sentences":[{"text":"Yep.","start":1008.435,"end":1008.935,"sentiment":"neutral","sentiment_score":0.2017744779586792}],"sentiment":"neutral","sentiment_score":0.2017744779586792,"channel":1,"num_words":1,"start":1008.435,"end":1008.935},{"sentences":[{"text":"transfer, and then we can look to consolidate your super fund.","start":1008.57,"end":1012.59503,"sentiment":"neutral","sentiment_score":0.24262473529035394},{"text":"Essentially, once we consolidate everything, you'll actually save about $398 in administration fees because you'll go from having two funds to one.","start":1012.97504,"end":1022.755,"sentiment":"positive","sentiment_score":0.44058677689595654}],"sentiment":"positive","sentiment_score":0.37459942969408905,"channel":0,"num_words":33,"start":1008.57,"end":1022.755},{"sentences":[{"text":"Yep.","start":1023.44,"end":1023.94,"sentiment":"positive","sentiment_score":0.4176098108291626}],"sentiment":"positive","sentiment_score":0.4176098108291626,"channel":1,"num_words":1,"start":1023.44,"end":1023.94},{"sentences":[{"text":"I'm also readjusting the portfolio for you, and it's actually gonna save you about $262.","start":1023.47,"end":1030.2899,"sentiment":"positive","sentiment_score":0.47205061515172325},{"text":"And then I also had a bit of a look at the way you invested with your portfolio.","start":1030.9099,"end":1035.33,"sentiment":"neutral","sentiment_score":0.1887007173564699},{"text":"We kinda talked a bit before last time about being in that growth environment 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investment.","start":1054.78,"end":1058.08,"sentiment":"neutral","sentiment_score":0.13361092284321785},{"text":"I'm also recommending that we stay high growth, that we don't go lower risk, that we stay high growth because as much as you're taking more risk by being in that high growth environment, one of the things we talked about was how you would feel in a market shift, how you would would you put more money in, take advantage of that downtime.","start":1058.62,"end":1076.355,"sentiment":"neutral","sentiment_score":0.18060606252402067},{"text":"And because you are still so young, you've got a lot of time before you can access super, we can take a bit more risk in the market.","start":1076.415,"end":1083.21,"sentiment":"neutral","sentiment_score":0.11839402227529458},{"text":"We can this allows us to take advantage of potential greater returns, so the market is doing really well.","start":1083.59,"end":1089.45,"sentiment":"positive","sentiment_score":0.430170382324018},{"text":"And I 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ASAP.","start":1336.835,"end":1340.135,"sentiment":"negative","sentiment_score":-0.5108980437119802}],"sentiment":"neutral","sentiment_score":-0.20405402641605447,"channel":0,"num_words":54,"start":1319.14,"end":1340.135},{"sentences":[{"text":"That's","start":1341.195,"end":1341.57,"sentiment":"neutral","sentiment_score":-0.003128868993371725}],"sentiment":"neutral","sentiment_score":-0.003128868993371725,"channel":1,"num_words":1,"start":1341.195,"end":1341.57},{"sentences":[{"text":"We","start":1341.4401,"end":1341.68,"sentiment":"neutral","sentiment_score":0.08301661163568497}],"sentiment":"neutral","sentiment_score":0.08301661163568497,"channel":0,"num_words":1,"start":1341.4401,"end":1341.68},{"sentences":[{"text":"good.","start":1341.57,"end":1341.8099,"sentiment":"neutral","sentiment_score":0.1848757117986679}],"sentiment":"neutral","sentiment_score":0.1848757117986679,"channel":1,"num_words":1,"start":1341.57,"end":1341.8099},{"sentences":[{"text":"are","start":1341.68,"end":1341.92,"sentiment":"neutral","sentiment_score":0.010600127279758452}],"sentiment":"neutral","sentiment_score":0.010600127279758452,"channel":0,"num_words":1,"start":1341.68,"end":1341.92},{"sentences":[{"text":"Because","start":1341.8099,"end":1341.97,"sentiment":"neutral","sentiment_score":-0.04536820948123932}],"sentiment":"neutral","sentiment_score":-0.04536820948123932,"channel":1,"num_words":1,"start":1341.8099,"end":1341.97},{"sentences":[{"text":"also","start":1341.92,"end":1342.42,"sentiment":"neutral","sentiment_score":-0.08576788008213043}],"sentiment":"neutral","sentiment_score":-0.08576788008213043,"channel":0,"num_words":1,"start":1341.92,"end":1342.42},{"sentences":[{"text":"after our last","start":1341.97,"end":1342.85,"sentiment":"neutral","sentiment_score":-0.10843124985694885}],"sentiment":"neutral","sentiment_score":-0.10843124985694885,"channel":1,"num_words":3,"start":1341.97,"end":1342.85},{"sentences":[{"text":"selling","start":1342.64,"end":1343.12,"sentiment":"neutral","sentiment_score":-0.092851422727108}],"sentiment":"neutral","sentiment_score":-0.092851422727108,"channel":0,"num_words":1,"start":1342.64,"end":1343.12},{"sentences":[{"text":"conversation,","start":1342.85,"end":1343.35,"sentiment":"neutral","sentiment_score":-0.0821511298418045}],"sentiment":"neutral","sentiment_score":-0.0821511298418045,"channel":1,"num_words":1,"start":1342.85,"end":1343.35},{"sentences":[{"text":"off","start":1343.12,"end":1343.62,"sentiment":"neutral","sentiment_score":-0.12933874130249023}],"sentiment":"neutral","sentiment_score":-0.12933874130249023,"channel":0,"num_words":1,"start":1343.12,"end":1343.62},{"sentences":[{"text":"I've seen that they they did a buy, and I'm like, hang on a minute.","start":1343.4099,"end":1347.33,"sentiment":"neutral","sentiment_score":-0.1407515858610471},{"text":"You're telling me, no.","start":1347.33,"end":1348.0499,"sentiment":"neutral","sentiment_score":-0.3192368149757385},{"text":"Don't buy into it, and then they're buying into it.","start":1348.0499,"end":1350.2899,"sentiment":"neutral","sentiment_score":-0.2812207564711571},{"text":"I'm like, oh, hang","start":1350.2899,"end":1351.09,"sentiment":"neutral","sentiment_score":-0.1756204552948475}],"sentiment":"neutral","sentiment_score":-0.2091791040518067,"channel":1,"num_words":33,"start":1343.4099,"end":1351.09},{"sentences":[{"text":"oh, yes.","start":1350.96,"end":1351.54,"sentiment":"neutral","sentiment_score":-0.13649996370077133}],"sentiment":"neutral","sentiment_score":-0.13649996370077133,"channel":0,"num_words":2,"start":1350.96,"end":1351.54},{"sentences":[{"text":"on.","start":1351.09,"end":1351.59,"sentiment":"neutral","sentiment_score":-0.1302139163017273}],"sentiment":"neutral","sentiment_score":-0.1302139163017273,"channel":1,"num_words":1,"start":1351.09,"end":1351.59},{"sentences":[{"text":"Yeah.","start":1351.76,"end":1352.08,"sentiment":"neutral","sentiment_score":-0.11120916903018951},{"text":"No.","start":1352.08,"end":1352.58,"sentiment":"neutral","sentiment_score":-0.26160407066345215},{"text":"We kind of have to until we change the the portfolio.","start":1352.975,"end":1355.875,"sentiment":"neutral","sentiment_score":-0.21780109270052475},{"text":"So what happens","start":1356.095,"end":1356.895,"sentiment":"neutral","sentiment_score":-0.04217112436890602}],"sentiment":"neutral","sentiment_score":-0.18094616453163326,"channel":0,"num_words":16,"start":1351.76,"end":1356.895},{"sentences":[{"text":"Yeah.","start":1356.8049,"end":1357.3049,"sentiment":"neutral","sentiment_score":-0.037487465888261795}],"sentiment":"neutral","sentiment_score":-0.037487465888261795,"channel":1,"num_words":1,"start":1356.8049,"end":1357.3049},{"sentences":[{"text":"is we as per your last statement of advice, that is essentially what we have to buy into.","start":1356.895,"end":1362.355,"sentiment":"neutral","sentiment_score":-0.06406837432748741},{"text":"It's what recommended on your on your super fund.","start":1363.055,"end":1366.83,"sentiment":"neutral","sentiment_score":-0.034413610067632466},{"text":"Until we make these changes in there and you agree to this, we we continue to do that","start":1366.99,"end":1372.13,"sentiment":"neutral","sentiment_score":-0.07774008707039887}],"sentiment":"neutral","sentiment_score":-0.06360610657268101,"channel":0,"num_words":45,"start":1356.895,"end":1372.13},{"sentences":[{"text":"Mhmm.","start":1372.15,"end":1372.65,"sentiment":"neutral","sentiment_score":-0.06372939050197601}],"sentiment":"neutral","sentiment_score":-0.06372939050197601,"channel":1,"num_words":1,"start":1372.15,"end":1372.65},{"sentences":[{"text":"unless you sign a document that says we","start":1372.59,"end":1374.59,"sentiment":"neutral","sentiment_score":-0.12884677853435278}],"sentiment":"neutral","sentiment_score":-0.12884677853435278,"channel":0,"num_words":8,"start":1372.59,"end":1374.59},{"sentences":[{"text":"Yep.","start":1374.4434,"end":1374.9434,"sentiment":"neutral","sentiment_score":-0.10370640456676485}],"sentiment":"neutral","sentiment_score":-0.10370640456676485,"channel":1,"num_words":1,"start":1374.4434,"end":1374.9434},{"sentences":[{"text":"we stop doing it.","start":1374.59,"end":1375.71,"sentiment":"neutral","sentiment_score":-0.17883067950606346},{"text":"The good news is it","start":1375.71,"end":1376.83,"sentiment":"neutral","sentiment_score":0.16116865873336791}],"sentiment":"neutral","sentiment_score":0.010057841738065086,"channel":0,"num_words":9,"start":1374.59,"end":1376.83},{"sentences":[{"text":"Yep.","start":1376.7367,"end":1377.2367,"sentiment":"neutral","sentiment_score":0.1646340787410736}],"sentiment":"neutral","sentiment_score":0.1646340787410736,"channel":1,"num_words":1,"start":1376.7367,"end":1377.2367},{"sentences":[{"text":"wasn't a huge buy in.","start":1376.83,"end":1378.37,"sentiment":"neutral","sentiment_score":0.0399646557867527},{"text":"It was been","start":1378.59,"end":1379.07,"sentiment":"neutral","sentiment_score":-0.02558205897609393}],"sentiment":"neutral","sentiment_score":0.015384637750685215,"channel":0,"num_words":8,"start":1376.83,"end":1379.07},{"sentences":[{"text":"No.","start":1379.03,"end":1379.27,"sentiment":"neutral","sentiment_score":-0.15501007437705994}],"sentiment":"neutral","sentiment_score":-0.15501007437705994,"channel":1,"num_words":1,"start":1379.03,"end":1379.27},{"sentences":[{"text":"a long","start":1379.07,"end":1379.47,"sentiment":"neutral","sentiment_score":-0.18301614373922348}],"sentiment":"neutral","sentiment_score":-0.18301614373922348,"channel":0,"num_words":2,"start":1379.07,"end":1379.47},{"sentences":[{"text":"I wasn't.","start":1379.27,"end":1379.745,"sentiment":"neutral","sentiment_score":-0.20424015820026398}],"sentiment":"neutral","sentiment_score":-0.20424015820026398,"channel":1,"num_words":2,"start":1379.27,"end":1379.745},{"sentences":[{"text":"thing down.","start":1379.47,"end":1380.2899,"sentiment":"neutral","sentiment_score":-0.1381470486521721},{"text":"Hopefully, you take a bit of an advantage of that.","start":1381.3099,"end":1386.575,"sentiment":"neutral","sentiment_score":-0.00018819868564605644},{"text":"So but no.","start":1387.535,"end":1389.795,"sentiment":"neutral","sentiment_score":-0.051236008604367576},{"text":"It's all good.","start":1389.795,"end":1390.435,"sentiment":"neutral","sentiment_score":0.01664164662361145},{"text":"So we're gonna sell off Benelon.","start":1390.435,"end":1392.055,"sentiment":"neutral","sentiment_score":-0.0015028174966573715}],"sentiment":"neutral","sentiment_score":-0.016290669795125723,"channel":0,"num_words":24,"start":1379.47,"end":1392.055},{"sentences":[{"text":"I am removing the battery unless the insect has been a bit volatile this year, and I'm looking to alter and reduce the risk level of well, not the overall risk level, but kind of reduce the cost as well as the, you know, the volatility within your portfolio.","start":1392.675,"end":1407.36,"sentiment":"neutral","sentiment_score":-0.06845503680560054},{"text":"ACDC","start":1408.2999,"end":1408.7999,"sentiment":"neutral","sentiment_score":-0.08441358804702759}],"sentiment":"neutral","sentiment_score":-0.06877420783042908,"channel":0,"num_words":50,"start":1392.675,"end":1408.7999},{"sentences":[{"text":"Mhmm.","start":1408.5549,"end":1409.0549,"sentiment":"neutral","sentiment_score":-0.05914902687072754}],"sentiment":"neutral","sentiment_score":-0.05914902687072754,"channel":1,"num_words":1,"start":1408.5549,"end":1409.0549},{"sentences":[{"text":"and battery and lithium tech have had ups and downs.","start":1409.02,"end":1411.815,"sentiment":"neutral","sentiment_score":-0.171796977519989},{"text":"It is very volatile, and this year has not seen great returns.","start":1411.815,"end":1415.595,"sentiment":"neutral","sentiment_score":-0.286275705943505},{"text":"So we wanna remove","start":1415.975,"end":1417.015,"sentiment":"neutral","sentiment_score":-0.0787741206586361}],"sentiment":"neutral","sentiment_score":-0.21032210496755746,"channel":0,"num_words":26,"start":1409.02,"end":1417.015},{"sentences":[{"text":"Yep.","start":1416.73,"end":1417.23,"sentiment":"neutral","sentiment_score":-0.0961381196975708}],"sentiment":"neutral","sentiment_score":-0.0961381196975708,"channel":1,"num_words":1,"start":1416.73,"end":1417.23},{"sentences":[{"text":"that for you completely.","start":1417.015,"end":1418.155,"sentiment":"neutral","sentiment_score":-0.09610572643578053},{"text":"Global agriculture is not a bad investment but hasn't been doing very well.","start":1419.415,"end":1425.29,"sentiment":"neutral","sentiment_score":-0.20793755581745735},{"text":"So we wanna kinda remove that from your portfolio.","start":1425.29,"end":1427.79,"sentiment":"neutral","sentiment_score":-0.1348313039375676},{"text":"We'll sell all of that off.","start":1427.93,"end":1429.05,"sentiment":"neutral","sentiment_score":-0.09739867473642032},{"text":"You only have 1.80% in your portfolio.","start":1429.05,"end":1432.1101,"sentiment":"neutral","sentiment_score":-0.047921174338885715}],"sentiment":"neutral","sentiment_score":-0.13387008039997175,"channel":0,"num_words":39,"start":1417.015,"end":1432.1101},{"sentences":[{"text":"Very small amount to hold.","start":1432.65,"end":1434.27,"sentiment":"neutral","sentiment_score":-0.0462955467402935},{"text":"So we're just gonna","start":1434.3301,"end":1435.2101,"sentiment":"neutral","sentiment_score":-0.020412424579262733}],"sentiment":"neutral","sentiment_score":-0.03479193689094649,"channel":0,"num_words":9,"start":1432.65,"end":1435.2101},{"sentences":[{"text":"Mhmm.","start":1435.0549,"end":1435.5549,"sentiment":"neutral","sentiment_score":-0.01471463404595852}],"sentiment":"neutral","sentiment_score":-0.01471463404595852,"channel":1,"num_words":1,"start":1435.0549,"end":1435.5549},{"sentences":[{"text":"remove that from your portfolio there as well.","start":1435.2101,"end":1437.63,"sentiment":"neutral","sentiment_score":-0.06571208825334907}],"sentiment":"neutral","sentiment_score":-0.06571208825334907,"channel":0,"num_words":8,"start":1435.2101,"end":1437.63},{"sentences":[{"text":"Yep.","start":1438.415,"end":1438.915,"sentiment":"neutral","sentiment_score":0.05570874363183975}],"sentiment":"neutral","sentiment_score":0.05570874363183975,"channel":1,"num_words":1,"start":1438.415,"end":1438.915},{"sentences":[{"text":"You also have the beta share cybersecurity, and this is giving you exposure to global cybersecurity.","start":1438.435,"end":1444.295,"sentiment":"neutral","sentiment_score":-0.0019820156740024686},{"text":"So it is really good for risk mitigation because you're, you know, going over the entire globe.","start":1444.675,"end":1451.49,"sentiment":"positive","sentiment_score":0.6027287577881533},{"text":"You're spreading your risk level globally with that cybersecurity side of things and moving","start":1451.49,"end":1456.05,"sentiment":"positive","sentiment_score":0.43754023952143534}],"sentiment":"positive","sentiment_score":0.34766468053009913,"channel":0,"num_words":47,"start":1438.435,"end":1456.05},{"sentences":[{"text":"Yep.","start":1456.0,"end":1456.5,"sentiment":"neutral","sentiment_score":0.27566951513290405}],"sentiment":"neutral","sentiment_score":0.27566951513290405,"channel":1,"num_words":1,"start":1456.0,"end":1456.5},{"sentences":[{"text":"forward with everything that everyone's going through.","start":1456.05,"end":1458.4701,"sentiment":"positive","sentiment_score":0.35219926067761015},{"text":"Cybersecurity is a huge area to kind of build on.","start":1458.93,"end":1462.2101,"sentiment":"neutral","sentiment_score":0.17081557363271713},{"text":"So you've got about","start":1462.2101,"end":1463.3301,"sentiment":"neutral","sentiment_score":0.16191820800304413}],"sentiment":"neutral","sentiment_score":0.22958206633726755,"channel":0,"num_words":21,"start":1456.05,"end":1463.3301},{"sentences":[{"text":"Mhmm.","start":1463.1349,"end":1463.6349,"sentiment":"neutral","sentiment_score":0.09520063549280168}],"sentiment":"neutral","sentiment_score":0.09520063549280168,"channel":1,"num_words":1,"start":1463.1349,"end":1463.6349},{"sentences":[{"text":"5.5% there now.","start":1463.3301,"end":1465.235,"sentiment":"neutral","sentiment_score":0.0934815729657809},{"text":"We wanna hold 7% in this portfolio, so it's buying into a bit of that for you.","start":1465.235,"end":1470.375,"sentiment":"neutral","sentiment_score":0.27467478987048655},{"text":"We've also got the Asia and European exposure.","start":1471.7949,"end":1475.1749,"sentiment":"neutral","sentiment_score":0.028971037594601512},{"text":"We do still wanna keep those kind of exposures, but these are more somatic ETFs.","start":1475.875,"end":1480.4801,"sentiment":"neutral","sentiment_score":0.02448825091123581},{"text":"They have done really well, but we've got essentially a better way to kind of hold those sorts of investments and a cheaper way to hold those investments while still giving you exposure to them.","start":1481.18,"end":1491.855,"sentiment":"neutral","sentiment_score":0.06607887063707624}],"sentiment":"neutral","sentiment_score":0.10079190619767477,"channel":0,"num_words":78,"start":1463.3301,"end":1491.855},{"sentences":[{"text":"So we're gonna sell those two ETFs down to zero and remove them completely.","start":1491.855,"end":1496.275,"sentiment":"neutral","sentiment_score":-0.13954076170921326},{"text":"You've got the S and P 500 in there at the moment.","start":1497.855,"end":1501.215,"sentiment":"neutral","sentiment_score":0.010133307116727034},{"text":"You've got about 21.90%.","start":1501.215,"end":1504.8151,"sentiment":"neutral","sentiment_score":0.08263743110001087},{"text":"You wanna keep the S and P 500.","start":1504.8151,"end":1507.34,"sentiment":"neutral","sentiment_score":0.1244722893461585},{"text":"It has been performing well, has seen volatility, but we wanna keep that as we see quite a good amount of growth in international equities.","start":1507.34,"end":1514.5599,"sentiment":"neutral","sentiment_score":0.21353596687316895}],"sentiment":"neutral","sentiment_score":0.07671041638841705,"channel":0,"num_words":63,"start":1491.855,"end":1514.5599},{"sentences":[{"text":"So we're gonna increase that to 25%.","start":1515.1,"end":1517.6,"sentiment":"neutral","sentiment_score":0.20500754032816207},{"text":"Other areas that we're going to keep are global cyber sorry.","start":1519.245,"end":1523.245,"sentiment":"neutral","sentiment_score":0.00716270688413219},{"text":"Global health care.","start":1523.245,"end":1524.125,"sentiment":"neutral","sentiment_score":0.03508260970314344},{"text":"Health care is still a really good area to hold, and, again, it's global.","start":1524.125,"end":1527.165,"sentiment":"neutral","sentiment_score":0.17892798941050256},{"text":"So spreading your risk level across the globe.","start":1527.165,"end":1529.745,"sentiment":"neutral","sentiment_score":0.20590804144740105}],"sentiment":"neutral","sentiment_score":0.13421736210368054,"channel":0,"num_words":43,"start":1515.1,"end":1529.745},{"sentences":[{"text":"Even being in a high growth environment, you still wanna mitigate what what risk you can.","start":1530.125,"end":1535.12,"sentiment":"neutral","sentiment_score":0.16598035022616386},{"text":"You want good return, mitigate as much possible risk as possible.","start":1535.12,"end":1539.36,"sentiment":"neutral","sentiment_score":0.2801608754829927},{"text":"We can never reduce it completely, but we can utilize what schools we have to mitigate as much as humanly possible.","start":1539.36,"end":1545.94,"sentiment":"neutral","sentiment_score":0.10806142290433247},{"text":"You have about two percent in global health care.","start":1546.395,"end":1549.275,"sentiment":"neutral","sentiment_score":0.0884457098113166},{"text":"You're a bit underweighted at the moment, so we're gonna bring that up to 7%.","start":1549.275,"end":1553.135,"sentiment":"neutral","sentiment_score":-0.016142734450598557}],"sentiment":"neutral","sentiment_score":0.11889743731201936,"channel":0,"num_words":72,"start":1530.125,"end":1553.135},{"sentences":[{"text":"You've got the diversified Vanguard index.","start":1554.635,"end":1558.015,"sentiment":"neutral","sentiment_score":0.04370717269678911},{"text":"This is kind of a mix of growth and defensive index.","start":1558.475,"end":1561.62,"sentiment":"neutral","sentiment_score":0.048803785985166374},{"text":"Hasn't growth and defensive investments hasn't really performed the way we wanted it to this year, so we're gonna remove that from your portfolio.","start":1561.62,"end":1568.76,"sentiment":"neutral","sentiment_score":-0.1503724887346228},{"text":"We are gonna see some exposure increase into India.","start":1569.86,"end":1573.46,"sentiment":"neutral","sentiment_score":-0.016884222626686096},{"text":"We don't have any at the moment.","start":1573.46,"end":1574.8099,"sentiment":"neutral","sentiment_score":-0.16606384728636062}],"sentiment":"neutral","sentiment_score":-0.0723554382852295,"channel":0,"num_words":57,"start":1554.635,"end":1574.8099},{"sentences":[{"text":"It has seen some good growth, so we're gonna keep that.","start":1574.8099,"end":1577.605,"sentiment":"positive","sentiment_score":0.5921732837503607},{"text":"We wanna have about 7% in there, so we're gonna buy some India exposure.","start":1577.985,"end":1582.645,"sentiment":"neutral","sentiment_score":0.23112703008311136},{"text":"You have the beta shares Rafi two hundred.","start":1584.065,"end":1587.4249,"sentiment":"neutral","sentiment_score":0.1820013914257288},{"text":"This is giving you exposure into Australian equity.","start":1587.4249,"end":1590.1649,"sentiment":"neutral","sentiment_score":0.2465869840234518},{"text":"We've found a cheaper way to hold Australian equities and give you the exposure needed.","start":1590.66,"end":1594.8201,"sentiment":"neutral","sentiment_score":0.2740253736575445}],"sentiment":"neutral","sentiment_score":0.30872807412275244,"channel":0,"num_words":56,"start":1574.8099,"end":1594.8201},{"sentences":[{"text":"So we're gonna sell off the Raffi as well as the Benelon and move the exposure into the beta shares a 200.","start":1594.8201,"end":1601.24,"sentiment":"neutral","sentiment_score":0.10878967053510925},{"text":"Holding the a 200 means you hold one investment giving you exposure in the top 200 companies on the ASX, holding around about 10% of that investment there.","start":1602.02,"end":1612.255,"sentiment":"neutral","sentiment_score":0.10503365738051278},{"text":"And oh, actually, sorry.","start":1613.435,"end":1614.9551,"sentiment":"neutral","sentiment_score":-0.004965522326529026},{"text":"My bad.","start":1614.9551,"end":1615.6951,"sentiment":"neutral","sentiment_score":-0.12886009365320206},{"text":"We're actually buying some more of the Rafi.","start":1615.915,"end":1617.755,"sentiment":"neutral","sentiment_score":-0.05014339089393616}],"sentiment":"neutral","sentiment_score":0.0727435274166055,"channel":0,"num_words":64,"start":1594.8201,"end":1617.755},{"sentences":[{"text":"My apologies.","start":1617.755,"end":1618.495,"sentiment":"neutral","sentiment_score":-0.11290499567985535},{"text":"We don't have the Rafi.","start":1618.795,"end":1619.835,"sentiment":"neutral","sentiment_score":-0.084421706199646},{"text":"We're buying into the Rafi.","start":1619.835,"end":1621.375,"sentiment":"neutral","sentiment_score":-0.004613896645605564},{"text":"We wanna hold 15% of the Rafi and 10 of Australians a 200 so that you do have about 35 sorry, 25% in Australian equities.","start":1621.63,"end":1630.61,"sentiment":"neutral","sentiment_score":0.03564459915272891},{"text":"We were getting rid of the Rafi out of this portfolio, but it looks like we're gonna keep it in there, which is good.","start":1631.7899,"end":1636.545,"sentiment":"neutral","sentiment_score":0.09603818371457844}],"sentiment":"neutral","sentiment_score":0.04139415380954323,"channel":0,"num_words":61,"start":1617.755,"end":1636.545},{"sentences":[{"text":"Essentially, Australian equities, we do wanna hold some of, but we don't tend to hold as much as global international equities because it tends to we tend to follow suit.","start":1637.505,"end":1649.045,"sentiment":"neutral","sentiment_score":0.07656170291205247},{"text":"Our country is very much the little 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well.","start":1735.22,"end":1736.58,"sentiment":"positive","sentiment_score":0.7430227875709534},{"text":"I do like this investment, and we're holding about 15% of this one in your portfolio.","start":1736.58,"end":1741.72,"sentiment":"positive","sentiment_score":0.71349823102355},{"text":"So it's essentially a low cost fund, giving you some active management in there and has performed really well, but it's also helping to reduce the overall cost of your portfolio, which I do like as well.","start":1741.78,"end":1752.675,"sentiment":"positive","sentiment_score":0.6656791148958979}],"sentiment":"positive","sentiment_score":0.5116844070143998,"channel":0,"num_words":96,"start":1721.955,"end":1752.675},{"sentences":[{"text":"Okay.","start":1752.675,"end":1753.175,"sentiment":"positive","sentiment_score":0.37633928656578064}],"sentiment":"positive","sentiment_score":0.37633928656578064,"channel":0,"num_words":1,"start":1752.675,"end":1753.175},{"sentences":[{"text":"Sounds good.","start":1753.89,"end":1754.7101,"sentiment":"positive","sentiment_score":0.44644369184970856}],"sentiment":"positive","sentiment_score":0.44644369184970856,"channel":1,"num_words":2,"start":1753.89,"end":1754.7101},{"sentences":[{"text":"The last two are physical gold and the core composite bonds.","start":1755.955,"end":1759.3151,"sentiment":"neutral","sentiment_score":0.2475460713559931},{"text":"We all love a little bit of gold.","start":1759.3151,"end":1760.915,"sentiment":"positive","sentiment_score":0.5191425867378712},{"text":"I definitely do.","start":1760.915,"end":1762.115,"sentiment":"positive","sentiment_score":0.5235745112101237},{"text":"We're adding gold into your portfolio.","start":1762.115,"end":1763.975,"sentiment":"positive","sentiment_score":0.39330435295899707},{"text":"The physical gold will hold about 7%.","start":1764.32,"end":1766.9,"sentiment":"neutral","sentiment_score":0.27333687458719524}],"sentiment":"positive","sentiment_score":0.36343015006610324,"channel":0,"num_words":35,"start":1755.955,"end":1766.9},{"sentences":[{"text":"And then core composite funds, these are defensive low risk investments, essentially, with core composite funds.","start":1767.6,"end":1774.02,"sentiment":"neutral","sentiment_score":0.23666950315237045},{"text":"It's giving you exposure to government and corporate bonds, really good for income producing.","start":1774.64,"end":1778.82,"sentiment":"positive","sentiment_score":0.48215642145701815},{"text":"And it also has some international certification into bank notes and other fixed interest areas, which is kind of really cool as well.","start":1779.655,"end":1786.455,"sentiment":"positive","sentiment_score":0.4175801018010015},{"text":"So that essentially makes a good portfolio.","start":1786.455,"end":1788.795,"sentiment":"positive","sentiment_score":0.4239224834101541},{"text":"I'm really sorry.","start":1788.935,"end":1789.895,"sentiment":"neutral","sentiment_score":-0.14551186064879099}],"sentiment":"positive","sentiment_score":0.35987565228863366,"channel":0,"num_words":63,"start":1767.6,"end":1789.895},{"sentences":[{"text":"It's kind of it's not easy when you're not looking at the investments, and I try to sort of take it as easy as possible.","start":1789.895,"end":1791.3241,"sentiment":"neutral","sentiment_score":-0.1291285765171051},{"text":"But if you have any and I try to sort of take it as easy as possible.","start":1791.3241,"end":1795.66,"sentiment":"neutral","sentiment_score":0.061131734839257074},{"text":"But do you have any questions in relation to any of that?","start":1796.12,"end":1798.78,"sentiment":"neutral","sentiment_score":0.002597806820025047}],"sentiment":"neutral","sentiment_score":-0.03995928220036957,"channel":0,"num_words":54,"start":1789.895,"end":1798.78},{"sentences":[{"text":"Yeah.","start":1799.535,"end":1799.775,"sentiment":"neutral","sentiment_score":-0.0006750058382749557},{"text":"Where do I find that?","start":1799.775,"end":1800.87,"sentiment":"neutral","sentiment_score":0.0025449642911553384},{"text":"Because I can actually look at that now.","start":1800.95,"end":1802.73,"sentiment":"neutral","sentiment_score":0.018028968712314963}],"sentiment":"neutral","sentiment_score":0.01116296895114439,"channel":1,"num_words":14,"start":1799.535,"end":1802.73},{"sentences":[{"text":"Oh, perfect.","start":1803.64,"end":1804.36,"sentiment":"neutral","sentiment_score":0.10768125206232071},{"text":"It's on page twenty two and twenty three.","start":1804.36,"end":1806.7001,"sentiment":"neutral","sentiment_score":0.04635178064927459}],"sentiment":"neutral","sentiment_score":0.058617674931883815,"channel":0,"num_words":10,"start":1803.64,"end":1806.7001},{"sentences":[{"text":"In the SOA?","start":1807.75,"end":1808.65,"sentiment":"neutral","sentiment_score":0.023427642260988552}],"sentiment":"neutral","sentiment_score":0.023427642260988552,"channel":1,"num_words":3,"start":1807.75,"end":1808.65},{"sentences":[{"text":"Yeah.","start":1810.285,"end":1810.605,"sentiment":"neutral","sentiment_score":0.026649467647075653},{"text":"Yep.","start":1810.605,"end":1811.005,"sentiment":"neutral","sentiment_score":0.025610994547605515},{"text":"Page twenty two and twenty three.","start":1811.005,"end":1812.765,"sentiment":"neutral","sentiment_score":0.019890643966694672},{"text":"Yeah.","start":1812.765,"end":1813.265,"sentiment":"neutral","sentiment_score":0.0014937277883291245}],"sentiment":"neutral","sentiment_score":0.019233117087019816,"channel":0,"num_words":9,"start":1810.285,"end":1813.265},{"sentences":[{"text":"Sorry.","start":1813.75,"end":1814.07,"sentiment":"neutral","sentiment_score":-0.03271351382136345},{"text":"I was I just opened something else.","start":1814.07,"end":1816.3049,"sentiment":"neutral","sentiment_score":-0.06424542995435852},{"text":"I 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in the hub 24 document.","start":1818.225,"end":1820.005,"sentiment":"neutral","sentiment_score":-0.03195273441572984},{"text":"I'm like, 491 pages.","start":1820.065,"end":1822.065,"sentiment":"neutral","sentiment_score":-0.04591225367039442},{"text":"I'm like, holy crap.","start":1822.065,"end":1823.2649,"sentiment":"neutral","sentiment_score":-0.12253152392804623},{"text":"Please","start":1823.2649,"end":1823.585,"sentiment":"neutral","sentiment_score":-0.05230555683374405}],"sentiment":"neutral","sentiment_score":-0.06118647158145905,"channel":1,"num_words":15,"start":1818.225,"end":1823.585},{"sentences":[{"text":"Oh,","start":1823.5,"end":1823.66,"sentiment":"neutral","sentiment_score":-0.04126325622200966}],"sentiment":"neutral","sentiment_score":-0.04126325622200966,"channel":0,"num_words":1,"start":1823.5,"end":1823.66},{"sentences":[{"text":"don't","start":1823.585,"end":1823.6649,"sentiment":"neutral","sentiment_score":-0.04178434610366821}],"sentiment":"neutral","sentiment_score":-0.04178434610366821,"channel":1,"num_words":1,"start":1823.585,"end":1823.6649},{"sentences":[{"text":"yeah.","start":1823.66,"end":1824.16,"sentiment":"neutral","sentiment_score":-0.03425467759370804}],"sentiment":"neutral","sentiment_score":-0.03425467759370804,"channel":0,"num_words":1,"start":1823.66,"end":1824.16},{"sentences":[{"text":"tell me she's gonna","start":1823.6649,"end":1824.465,"sentiment":"neutral","sentiment_score":-0.026808067224919796}],"sentiment":"neutral","sentiment_score":-0.026808067224919796,"channel":1,"num_words":4,"start":1823.6649,"end":1824.465},{"sentences":[{"text":"That's","start":1824.38,"end":1824.78,"sentiment":"neutral","sentiment_score":-0.020200874656438828}],"sentiment":"neutral","sentiment_score":-0.020200874656438828,"channel":0,"num_words":1,"start":1824.38,"end":1824.78},{"sentences":[{"text":"direct","start":1824.465,"end":1824.7849,"sentiment":"neutral","sentiment_score":-0.03147802874445915}],"sentiment":"neutral","sentiment_score":-0.03147802874445915,"channel":1,"num_words":1,"start":1824.465,"end":1824.7849},{"sentences":[{"text":"the","start":1824.78,"end":1824.94,"sentiment":"neutral","sentiment_score":-0.030928537249565125}],"sentiment":"neutral","sentiment_score":-0.030928537249565125,"channel":0,"num_words":1,"start":1824.78,"end":1824.94},{"sentences":[{"text":"me","start":1824.7849,"end":1824.945,"sentiment":"neutral","sentiment_score":-0.021090395748615265}],"sentiment":"neutral","sentiment_score":-0.021090395748615265,"channel":1,"num_words":1,"start":1824.7849,"end":1824.945},{"sentences":[{"text":"PDF.","start":1824.94,"end":1825.44,"sentiment":"neutral","sentiment_score":-0.02367701567709446}],"sentiment":"neutral","sentiment_score":-0.02367701567709446,"channel":0,"num_words":1,"start":1824.94,"end":1825.44},{"sentences":[{"text":"to this one.","start":1824.945,"end":1825.7649,"sentiment":"neutral","sentiment_score":-0.01317650048683087}],"sentiment":"neutral","sentiment_score":-0.01317650048683087,"channel":1,"num_words":3,"start":1824.945,"end":1825.7649},{"sentences":[{"text":"Yeah.","start":1827.1799,"end":1827.4199,"sentiment":"neutral","sentiment_score":-0.010689424350857736},{"text":"That's the product disclosure statement.","start":1827.4199,"end":1829.44,"sentiment":"neutral","sentiment_score":0.21579678654670714},{"text":"So I have to give that to you.","start":1829.74,"end":1831.26,"sentiment":"neutral","sentiment_score":0.2745017632842064},{"text":"If you like reading and you wanna run your eyes over that one, absolutely happy to do so, But not everyone's that","start":1831.26,"end":1837.905,"sentiment":"positive","sentiment_score":0.409527055749839}],"sentiment":"positive","sentiment_score":0.3409417733653552,"channel":0,"num_words":36,"start":1827.1799,"end":1837.905},{"sentences":[{"text":"I didn't think","start":1839.35,"end":1840.15,"sentiment":"neutral","sentiment_score":-0.2155516097942988}],"sentiment":"neutral","sentiment_score":-0.2155516097942988,"channel":1,"num_words":3,"start":1839.35,"end":1840.15},{"sentences":[{"text":"interested","start":1839.905,"end":1840.405,"sentiment":"neutral","sentiment_score":-0.25021892786026}],"sentiment":"neutral","sentiment_score":-0.25021892786026,"channel":0,"num_words":1,"start":1839.905,"end":1840.405},{"sentences":[{"text":"it was the PDF.","start":1840.15,"end":1841.61,"sentiment":"negative","sentiment_score":-0.33815471827983856},{"text":"I thought it was,","start":1841.6699,"end":1842.47,"sentiment":"neutral","sentiment_score":-0.21732480451464653}],"sentiment":"neutral","sentiment_score":-0.27773976139724255,"channel":1,"num_words":8,"start":1840.15,"end":1842.47},{"sentences":[{"text":"in","start":1842.405,"end":1842.905,"sentiment":"neutral","sentiment_score":-0.16767027974128723}],"sentiment":"neutral","sentiment_score":-0.16767027974128723,"channel":0,"num_words":1,"start":1842.405,"end":1842.905},{"sentences":[{"text":"like, else.","start":1842.47,"end":1843.03,"sentiment":"neutral","sentiment_score":-0.1601446494460106},{"text":"But anyway, they have four 191","start":1843.03,"end":1845.625,"sentiment":"neutral","sentiment_score":-0.02220680471509695}],"sentiment":"neutral","sentiment_score":-0.05669126589782536,"channel":1,"num_words":8,"start":1842.47,"end":1845.625},{"sentences":[{"text":"PDF.","start":1844.905,"end":1845.405,"sentiment":"neutral","sentiment_score":-0.0233637522906065}],"sentiment":"neutral","sentiment_score":-0.0233637522906065,"channel":0,"num_words":1,"start":1844.905,"end":1845.405},{"sentences":[{"text":"pages.","start":1845.625,"end":1846.025,"sentiment":"neutral","sentiment_score":-0.01845434308052063},{"text":"I was like, oh, damn.","start":1846.025,"end":1847.645,"sentiment":"neutral","sentiment_score":-0.06026308834552765}],"sentiment":"neutral","sentiment_score":-0.053294964134693146,"channel":1,"num_words":6,"start":1845.625,"end":1847.645},{"sentences":[{"text":"That's a lot of pages.","start":1847.405,"end":1848.625,"sentiment":"neutral","sentiment_score":-0.10570834279060363},{"text":"It's it's either the the the best because there's three product disclosure statements.","start":1848.87,"end":1853.75,"sentiment":"neutral","sentiment_score":-0.0023267951149206897},{"text":"They've got the main one, and then they've got the investment one as well.","start":1853.75,"end":1856.63,"sentiment":"neutral","sentiment_score":0.07974368387034961},{"text":"And I think the 491 pages goes to all the individual investments you can hold on the platform.","start":1856.63,"end":1861.6901,"sentiment":"neutral","sentiment_score":0.06706577560140027}],"sentiment":"neutral","sentiment_score":0.03529610969126225,"channel":0,"num_words":50,"start":1847.405,"end":1861.6901},{"sentences":[{"text":"Yeah.","start":1862.6799,"end":1863.1799,"sentiment":"neutral","sentiment_score":0.031845562160015106},{"text":"Last six.","start":1863.24,"end":1864.0599,"sentiment":"neutral","sentiment_score":0.032165516167879105},{"text":"Yeah.","start":1864.44,"end":1864.6799,"sentiment":"neutral","sentiment_score":0.052372731268405914},{"text":"Yeah.","start":1864.6799,"end":1865.08,"sentiment":"neutral","sentiment_score":0.06463541835546494},{"text":"Alright.","start":1865.08,"end":1865.58,"sentiment":"neutral","sentiment_score":0.09256255626678468}],"sentiment":"neutral","sentiment_score":0.050957883397738137,"channel":1,"num_words":6,"start":1862.6799,"end":1865.58},{"sentences":[{"text":"Second of advice.","start":1865.6399,"end":1866.62,"sentiment":"neutral","sentiment_score":0.05967924992243449},{"text":"What was the last two","start":1867.745,"end":1870.581,"sentiment":"neutral","sentiment_score":0.028910725936293603}],"sentiment":"neutral","sentiment_score":0.040448922431096435,"channel":1,"num_words":8,"start":1865.6399,"end":1870.581},{"sentences":[{"text":"Twenty 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'23.","start":1871.2151,"end":1872.015,"sentiment":"neutral","sentiment_score":0.024735442362725735},{"text":"Yeah.","start":1872.015,"end":1872.3351,"sentiment":"neutral","sentiment_score":0.014170166105031967}],"sentiment":"neutral","sentiment_score":0.021213683610161144,"channel":0,"num_words":3,"start":1871.2151,"end":1872.3351},{"sentences":[{"text":"two?","start":1872.097,"end":1872.597,"sentiment":"neutral","sentiment_score":0.006132497452199459}],"sentiment":"neutral","sentiment_score":0.006132497452199459,"channel":1,"num_words":1,"start":1872.097,"end":1872.597},{"sentences":[{"text":"Sorry, 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we kind of, say, focus on the most is the buy sell column.","start":1880.72,"end":1885.6,"sentiment":"neutral","sentiment_score":0.20972726411289638},{"text":"That's essentially showing you what we'll pay what we'll sell as the investment in red and what we're gonna buy into in green.","start":1885.6,"end":1891.925,"sentiment":"neutral","sentiment_score":0.1643860223500625},{"text":"It does go over onto the next page there, essentially.","start":1891.925,"end":1894.665,"sentiment":"neutral","sentiment_score":0.15006579607725143},{"text":"And the last two columns show at the end of the switch where, essentially, you should see your target weighting within your portfolio and how much you should hold within those investments there for 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that won't change in any way, shape, or form because that's just","start":2597.11,"end":2602.195,"sentiment":"neutral","sentiment_score":-0.3134346674470341}],"sentiment":"neutral","sentiment_score":-0.3134346674470341,"channel":0,"num_words":17,"start":2597.11,"end":2602.195},{"sentences":[{"text":"me.","start":2602.1025,"end":2602.6025,"sentiment":"neutral","sentiment_score":-0.2615243196487427}],"sentiment":"neutral","sentiment_score":-0.2615243196487427,"channel":1,"num_words":1,"start":2602.1025,"end":2602.6025},{"sentences":[{"text":"the income protection policy unless you take the trauma on, and that'll sort of increase that.","start":2602.195,"end":2607.495,"sentiment":"neutral","sentiment_score":-0.2935799825936556},{"text":"So if we kind of look at that for you, so the $177.80 for that And with your income protection policy, in the front of the document on pages eleven and twelve that outlines your current policy that you do have there, and that essentially shows that you pay 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that what page I was looking at?","start":2845.165,"end":2847.1052,"sentiment":"neutral","sentiment_score":0.0193750555627048}],"sentiment":"neutral","sentiment_score":0.0193750555627048,"channel":1,"num_words":8,"start":2845.165,"end":2847.1052},{"sentences":[{"text":"dollars.","start":2850.96,"end":2851.2,"sentiment":"neutral","sentiment_score":0.02992158569395542},{"text":"It's on page 20 if you wanna have a look there to make it a bit easier for you.","start":2851.2,"end":2857.875,"sentiment":"neutral","sentiment_score":0.16690693325118014},{"text":"It's in a couple of places, but the the fee comparison table is good because it kinda outlays the cost there to make it easier for you.","start":2857.875,"end":2864.4348,"sentiment":"positive","sentiment_score":0.37763400927737906},{"text":"You can sort of see 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out?","start":2899.225,"end":2903.645,"sentiment":"neutral","sentiment_score":-0.0015818616996208827},{"text":"Alright.","start":2904.905,"end":2905.405,"sentiment":"neutral","sentiment_score":0.003866790561005473}],"sentiment":"neutral","sentiment_score":0.000550838776261491,"channel":1,"num_words":17,"start":2898.745,"end":2905.405},{"sentences":[{"text":"Not really.","start":2905.33,"end":2906.05,"sentiment":"neutral","sentiment_score":-0.12612808123230934},{"text":"No.","start":2906.05,"end":2906.55,"sentiment":"neutral","sentiment_score":-0.1818137764930725},{"text":"No.","start":2906.85,"end":2907.33,"sentiment":"neutral","sentiment_score":-0.16888807713985443},{"text":"So we we could talk about increasing the salary sacrifice.","start":2907.33,"end":2910.31,"sentiment":"neutral","sentiment_score":0.01592872217297554},{"text":"I think the main reason we sort of looked at 50 to start with was to look at your comfort level because we're also looking at trauma and out of pocket expenses.","start":2910.555,"end":2918.4949,"sentiment":"neutral","sentiment_score":0.048449246169184335}],"sentiment":"neutral","sentiment_score":0.024058806153176272,"channel":0,"num_words":46,"start":2905.33,"end":2918.4949},{"sentences":[{"text":"So we could always start with this for the first sort of six months, look at how that's going, if you're comfortable with the change in expenditure, because salary sacrifice also reduced your your take home pay.","start":2919.675,"end":2930.83,"sentiment":"neutral","sentiment_score":0.16117120473771482},{"text":"Not as much.","start":2930.83,"end":2931.4702,"sentiment":"neutral","sentiment_score":-0.09541730706890424},{"text":"It's only a little bit.","start":2931.4702,"end":2932.77,"sentiment":"neutral","sentiment_score":-0.026740295439958574},{"text":"But 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Yeah.","start_word":346,"end_word":376,"intents":[{"intent":"Confirm identity","confidence_score":0.29650757}]},{"text":"On the front of the document, when you do see it, it has been prepared for yourself. It has yesterday's date there, and the advice and balance are sixty days from the date on the document there. It also has my license number on the bottom. So I'm a licensed authorized representative. I registered with Aspic and an adviser of financial, and my license number is 1304394.","start_word":399,"end_word":465,"intents":[{"intent":"Update information","confidence_score":0.0053581353}]},{"text":"All as you are going through the adviser, it has all the individual strategies outlayed there for you, and we also have noted the best interest duty, which relates back to your goals and how and why we are making the recommendations.","start_word":467,"end_word":508,"intents":[{"intent":"Provide recommendations","confidence_score":0.004111874}]},{"text":"With regards to the advice fees, the areas that we are focusing in or looking at advice for superannuation, so your goal is to hopefully retire around about age 60 on about $1,500 per week. You were open to salary sacrificing. We were looking at starting at about $50 per week, starting small, and then building on that down the track. Is that still fairly comfortable, still is that accurate? Yes.","start_word":532,"end_word":602,"intents":[{"intent":"Discuss retirement goals","confidence_score":0.23903018},{"intent":"Discuss retirement plans","confidence_score":0.016163962}]},{"text":"We also have the insurance side of things there. So you do have your life saving income protection currently paid out of ASDA. We're looking at a way to increase whatever we can to cover your debt for the million dollars once you get the house all transferred over and billed. Yep.","start_word":605,"end_word":656,"intents":[{"intent":"Discuss insurance coverage","confidence_score":0.43384758},{"intent":"Discuss debt payment","confidence_score":0.00089798454},{"intent":"Discuss tax coverage","confidence_score":0.00006797371}]},{"text":"Essentially, looking at trying to increase the insurance cover, we went back and did some really good research there. If I do have a recommendation, I will let you know upfront I was not able to increase the TDD or of the IP.","start_word":657,"end_word":699,"intents":[{"intent":"Discuss tdd or ip recommendation","confidence_score":0.0025055024}]},{"text":"However, with the TBD, they would not increase disability cover in any way, shape, or form. So I have recommended to retain your TBD and your income protection exactly as it is.","start_word":733,"end_word":764,"intents":[{"intent":"Retain coverage","confidence_score":0.007737438}]},{"text":"Your life insurance was extremely low, a lot lower than your TBD, and we're able to increase that to the million dollar mark there Yep.","start_word":815,"end_word":839,"intents":[{"intent":"Address potential insurance increases","confidence_score":0.0000035568546}]},{"text":"I have found an option for trauma cover based on what we know, and I'll go through that with you in a second as well.","start_word":850,"end_word":874,"intents":[{"intent":"Explore trauma cover options","confidence_score":0.022329958}]},{"text":"And then I've also got the estate planning side in there as well. So just making sure your beneficiaries are applied to the account, making sure that we can help you to fill those out, nominate that to your partner. So if anything happens, you wanna make sure the money is paid to him so he can pay the mortgage off. And then Yep.","start_word":875,"end_word":938,"intents":[{"intent":"Define estate planning options","confidence_score":0.0000029191096}]},{"text":"So if anything happens, you wanna make sure the money is paid to him so he can pay the mortgage off. And then Yep.","start_word":915,"end_word":938,"intents":[{"intent":"Make sure money is paid","confidence_score":0.005331933}]},{"text":"We do refer you to a solicitor for drawing up of a will and the power of attorney documentation, and that should Yep. definitely be done in unison with your partner as well because you do have this property that you will get handed over, hopefully, by the end of the year. So you will certainly have a lot more assets to protect in the event of one or one or both of you passing away down the track.","start_word":948,"end_word":1026,"intents":[{"intent":"Confirm beneficiaries and wills and powers attorneys","confidence_score":0.0000014755808},{"intent":"Draw wills and powers attorneys","confidence_score":0.05164176}]},{"text":"Because of the ankylosing thondylitis, it is Yeah. a much high risk condition. So insurers do see that as very high risk with what can essentially come out of it. You know, they're essentially assessing it as being progressive and symptomatic, and it carries a high probability of long term functional impairment and hidden systematic complications. So they assess that risk level when they are assessing that, and it does Yeah.","start_word":1170,"end_word":1240,"intents":[{"intent":"Resolve medical concerns","confidence_score":0.0000031345132}]},{"text":"It does mean that with the life policy, once we complete the increase, the policy goes from being $60.47. It does go to being $4,074 for the year. So it is a much higher cost, albeit deducted out of super funds. So I just wanted to be open and disclose that to you so you're full aware. Okay?","start_word":1509,"end_word":1566,"intents":[{"intent":"Disclose policy cost","confidence_score":0.19463061},{"intent":"Ensure policy performance","confidence_score":0.000041355244}]},{"text":"We might reduce that loading to 100%. It means that the policy could be a bit cheaper for you as well. Okay? Okay.","start_word":1735,"end_word":1757,"intents":[{"intent":"Reduce policy load","confidence_score":0.56878465}]},{"text":"So we we did a research, and we disclosed everything to you, but we know that this will all come down to what happens at underwriting and how the underwriters accept the application.","start_word":1785,"end_word":1817,"intents":[{"intent":"Understand underwriting process","confidence_score":0.041917384}]},{"text":"And, ultimately, they will when they offer the cover, will tell us what they're gonna offer and whether there's any changes to what they've told us. So we pre assess everything with them, and this is based on what they've told us that they're likely to assess it as. But it Yep.","start_word":1819,"end_word":1870,"intents":[{"intent":"Assess coverage","confidence_score":0.088394046}]},{"text":"So as long as, you know, there's been no major issues, you don't you you haven't had to, you know, have any test of all the sick kidney disease or the ongoing problems from the kidney stones and things like that, then hopefully, that will assess pretty well.","start_word":1958,"end_word":2005,"intents":[{"intent":"Assist with paperwork","confidence_score":0.0000049671035}]},{"text":"you do have a a flexi link policy. Some of it is paid out of pocket, and that will just stay exactly as it is, which is absolutely fine.","start_word":2589,"end_word":2617,"intents":[{"intent":"Reiterate policy policies","confidence_score":0.008689645}]},{"text":"So the other thing is we're going to once you've we have to basically do it to be increase your life insurance first. That way, you've got your million dollar cover. And then we Yep.","start_word":2984,"end_word":3018,"intents":[{"intent":"Manage insurance policies","confidence_score":0.00805131}]},{"text":"I'm also recommending that we do start salary sacrificing that $50 per week. We'll start with that.","start_word":3656,"end_word":3672,"intents":[{"intent":"Recommend saving money","confidence_score":0.0005078505},{"intent":"Plan future salary sacrifice","confidence_score":0.00017847659}]},{"text":"And, essentially, when I sort of looked at the way the portfolios were working, Ben along had a huge part in, you know, reducing a lot of the portfolio and how that was performing for you for this year. But when Yeah.","start_word":3743,"end_word":3784,"intents":[{"intent":"Optimize portfolio performance","confidence_score":0.1736013}]},{"text":"But, essentially, within your fund, we are removing the ban along Australian equities completely that was providing a a really dismal return. They haven't formed, and we're removing that out ASAP. That's We good.","start_word":4053,"end_word":4086,"intents":[{"intent":"Remove ban","confidence_score":0.34990135}]},{"text":"is we as per your last statement of advice, that is essentially what we have to buy into. It's what recommended on your on your super fund. Until we make these changes in there and you agree to this, we we continue to do that Mhmm.","start_word":4148,"end_word":4193,"intents":[{"intent":"Make changes","confidence_score":0.081931755}]},{"text":"I am removing the battery unless the insect has been a bit volatile this year, and I'm looking to alter and reduce the risk level of well, not the overall risk level, but kind of reduce the cost as well as the, you know, the volatility within your portfolio. ACDC Mhmm.","start_word":4250,"end_word":4300,"intents":[{"intent":"Remove battery","confidence_score":0.03581662}]},{"text":"We wanna hold 7% in this portfolio, so it's buying into a bit of that for you.","start_word":4459,"end_word":4475,"intents":[{"intent":"Manage portfolio costs","confidence_score":0.00026604004}]},{"text":"You have the beta shares Rafi two hundred. This is giving you exposure into Australian equity. We've found a cheaper way to hold Australian equities and give you the exposure needed. So we're gonna sell off the Raffi as well as the Benelon and move the exposure into the beta shares a 200.","start_word":4794,"end_word":4846,"intents":[{"intent":"Provide market value","confidence_score":0.000020879039}]},{"text":"This is giving you exposure into Australian equity. We've found a cheaper way to hold Australian equities and give you the exposure needed.","start_word":4802,"end_word":4824,"intents":[{"intent":"Provide equity exposure","confidence_score":0.0002625244}]},{"text":"So we're gonna sell off the Raffi as well as the Benelon and move the exposure into the beta shares a 200.","start_word":4825,"end_word":4846,"intents":[{"intent":"Purchase raffi and benelon","confidence_score":0.0011308261},{"intent":"Maintain raffi's positions","confidence_score":0.0000010795526}]},{"text":"You've also got the JPMorgan Global Research Enhanced Equity Fund. This is a new inclusion in your portfolio.","start_word":5086,"end_word":5103,"intents":[{"intent":"Promote jpmorgan global research fund","confidence_score":0.009146336}]},{"text":"You wanted to, like, look at the lower cost side of your portfolio to kind of reduce cost where possible, but also wanted a little bit of active management in there to take advantage of that where where we could.","start_word":5130,"end_word":5169,"intents":[{"intent":"Discuss portfolio options","confidence_score":0.013562294}]},{"text":"That's the product disclosure statement. So I have to give that to you.","start_word":5523,"end_word":5535,"intents":[{"intent":"Specify purpose of statement","confidence_score":0.0000053508566}]},{"text":"I I just wanted to make sure that we we could do what we could and try to get as much growth out of the portfolio as possible, try to mitigate, you know, the increase in in insurance recommendations, try to consolidate everything for you and have it all in one place.","start_word":5924,"end_word":5975,"intents":[{"intent":"Recommend portfolio growth","confidence_score":0.051480956},{"intent":"Discuss investment priorities","confidence_score":0.00005457985}]},{"text":"But I definitely wanna make sure we do catch up and review these investments because investments do go up and down, and I'm very aware you know, I like to make sure everyone's aware.","start_word":5976,"end_word":6009,"intents":[{"intent":"Recommend portfolio changes","confidence_score":0.0053997943}]},{"text":"But I definitely wanna make sure we do catch up and review these investments because investments do go up and down, and I'm very aware you know, I like to make sure everyone's aware. Projections are just projections.","start_word":5976,"end_word":6013,"intents":[{"intent":"Ensure portfolio review","confidence_score":0.013935405}]},{"text":"So I do wanna make sure that we maybe touch base once every six months to see Yep. how things are traveling, to look at the returns. And if there needs to be changes made, we do that.","start_word":6065,"end_word":6102,"intents":[{"intent":"Change plans","confidence_score":0.00050350564}]},{"text":"That sounds good because, yeah, between me and my partner, my super balance is dismal, and he's only got three Yeah.","start_word":6225,"end_word":6245,"intents":[{"intent":"Manage balance","confidence_score":0.0036583722}]},{"text":"The only other thing in there to kinda go through with the recommendations is, obviously, beneficiary nominations. I'll make sure that they are sent out email and posted so they can be filled out and nominated and added to the life policy and also your hub twenty four super account.","start_word":6613,"end_word":6662,"intents":[{"intent":"Help with investment recommendations","confidence_score":0.002746042}]},{"text":"And then we have also made a recommendation that you guys should speak to a solicitor and talk about doing up a will and power of attorney documents to make sure that everything that you've worked hard for outside of super and life insurance is also protected and looked after for you. Okay?","start_word":6664,"end_word":6716,"intents":[{"intent":"Discuss trauma recommendations","confidence_score":0.22022237}]},{"text":"And then we have also made a recommendation that you guys should speak to a solicitor and talk about doing up a will and power of attorney documents to make sure that everything that you've worked hard for outside of super and life insurance is also protected and looked after for you. Okay? Okay.","start_word":6664,"end_word":6717,"intents":[{"intent":"Recommend contacting solicitor and discussing will and power of attorney","confidence_score":0.00007721354}]},{"text":"The trauma is an out of pocket cover. You wanted to look at about two years worth of trauma cover. Does that still Yeah.","start_word":6757,"end_word":6780,"intents":[{"intent":"Discuss cost of trauma cover","confidence_score":0.20200628},{"intent":"Discuss costs of trauma covers","confidence_score":0.006609612},{"intent":"Discuss whether trauma covers are available","confidence_score":0.00026024313}]},{"text":"I have not recommended trauma with power because power weren't offering the product. But Mhmm.","start_word":6823,"end_word":6837,"intents":[{"intent":"Discuss if trauma is suitable","confidence_score":0.00010556029}]},{"text":"If there is any part of the recommendations you decide you do not wish to take on board, that's okay.","start_word":7021,"end_word":7040,"intents":[{"intent":"End conversation","confidence_score":0.0022594605}]},{"text":"On the very last page of the document, we actually have a box that says multiline in there.","start_word":7042,"end_word":7059,"intents":[{"intent":"Explain document structure","confidence_score":0.0035374092}]},{"text":"That is essentially the entire recommendations.","start_word":7276,"end_word":7281,"intents":[{"intent":"Discuss topics","confidence_score":0.00015583054}]},{"text":"I would love it if you would take some time just to read through the document. Let me know if you do happen to have any questions that come from that. The I've taken you through the pages and the areas that are applicable. But as you kind of run through it from start to finish, it has all the recommendations outlined for you, the advantages, the disadvantages, the risks involved, and also any alternatives that I have considered as well for you.","start_word":7282,"end_word":7364,"intents":[{"intent":"Identify weaknesses","confidence_score":0.0004702755}]},{"text":"But as you kind of run through it from start to finish, it has all the recommendations outlined for you, the advantages, the disadvantages, the risks involved, and also any alternatives that I have considered as well for you.","start_word":7326,"end_word":7364,"intents":[{"intent":"Inquire about options","confidence_score":0.0011856649},{"intent":"Discuss alternatives","confidence_score":0.0028610828}]},{"text":"Have a bit of a read. If you have any questions, you're more than welcome to let me know.","start_word":7374,"end_word":7392,"intents":[{"intent":"Assure reading","confidence_score":0.00022793816},{"intent":"Suggest rereading","confidence_score":0.0002785395}]},{"text":"If you have any questions, you're more than welcome to let me know.","start_word":7380,"end_word":7392,"intents":[{"intent":"Offer assistance","confidence_score":0.12610975},{"intent":"Offer assistance","confidence_score":0.08215121}]},{"text":"My team will try to help you get that sorted as quickly as possible, and we definitely wanna make those changes to your super ASAP as well. Get rid of that along, get rid of some of those investments, and get your super working a bit harder for you. Okay. Yeah.","start_word":7473,"end_word":7523,"intents":[{"intent":"Address concerns and prioritize initiatives","confidence_score":2.8835723e-7}]},{"text":"So if we kind of look at that for you, so the $177.80 for that And with your income protection policy, in the front of the document on pages eleven and twelve that outlines your current policy that you do have there, and that essentially shows that you pay $42.49 per month for your income protection outside of. Yeah.","start_word":7785,"end_word":7843,"intents":[{"intent":"Clarify policy details","confidence_score":0.2924303}]},{"text":"So I just wanted to show you the trauma recommendation, show you the other recommendations there, and then, yeah, it's up to you to decide what you're comfortable taking on board.","start_word":8132,"end_word":8162,"intents":[{"intent":"Show trauma recommendation","confidence_score":0.2505885}]},{"text":"So, I mean, the income protection is absolutely the most important thing because you are paying for that. We can't get that back, and that out of pocket policy, the income protection protects you if anything happens. So, you Yep.","start_word":8192,"end_word":8231,"intents":[{"intent":"Explain income protection","confidence_score":0.04827175}]},{"text":"So I'm happy to support any decision you have. And any questions at all, you're welcome to let me know. Okay.","start_word":8336,"end_word":8356,"intents":[{"intent":"Support decision","confidence_score":0.37528425}]},{"text":"on this recommendation, can you just tell me the total that would be coming out of my super without me digging through it all? Yeah. Absolutely.","start_word":8365,"end_word":8390,"intents":[{"intent":"Confirm total cost","confidence_score":0.026093947}]},{"text":"It's in a couple of places, but the the fee comparison table is good because it kinda outlays the cost there to make it easier for you. You can sort of see that.","start_word":8433,"end_word":8465,"intents":[{"intent":"Explain cost comparison table","confidence_score":0.010150638}]},{"text":"So if if we do the salary sacrifice for for 50 was it a week or fortnight?","start_word":8480,"end_word":8496,"intents":[{"intent":"Calculate salary sacrifice","confidence_score":0.07083472}]},{"text":"finalizing that conversation Absolutely. with someone.","start_word":9015,"end_word":9020,"intents":[{"intent":"Finalize conversation","confidence_score":0.43373752}]},{"text":"If you need anything next week, let me know. I'll happily take time to answer questions and help you out.","start_word":9239,"end_word":9258,"intents":[{"intent":"Schedule call with adviser","confidence_score":0.0032220513}]},{"text":"But, understandably, it's also in the event that that does occur that, you know, that's a lump sum payment of Yep. two years worth of wages. If something were to happen, that is covered under that. So I I I understand that.","start_word":9539,"end_word":9580,"intents":[{"intent":"Explain situation","confidence_score":0.003785058},{"intent":"Explain benefits","confidence_score":0.009385571}]},{"text":"The main thing with the transfer so the in order to transfer the policy, and this is kind of what we went through last time, in order to transfer the policy from Asgard to hub twenty four, they actually have to transfer the life and pay period either at the same level of cover or have a higher life policy.","start_word":9739,"end_word":9798,"intents":[{"intent":"Transfer policy","confidence_score":0.021849122}]},{"text":"So we either have to bring the life policy up to where your TPD is, and I could always get a quote sent through to you to show you if we just increase the life to the level of TBD, what that might Mhmm. look like in case you're comfortable with just maybe increasing to that level. That way, we can still transfer the policy and consolidate your funds to make everything work a bit better, Yeah.","start_word":9799,"end_word":9875,"intents":[{"intent":"Offer options","confidence_score":0.0002770963}]},{"text":"That way, we can still transfer the policy and consolidate your funds to make everything work a bit better, Yeah.","start_word":9856,"end_word":9875,"intents":[{"intent":"Consolidate funds","confidence_score":0.24673346}]},{"text":"or we have to bring the TBD down. And that was definitely something we talked about in the past that you were not comfortable with reducing the TBD back in any way.","start_word":9876,"end_word":9907,"intents":[{"intent":"Discuss tdb reduction","confidence_score":0.012022416}]},{"text":"saying that, what we could always do is when we go through underwriting, we can always go through the underwriting. They never put the policy in full until they come back with terms. So we could always go through the underwriting process, have it underwritten with everything that's being recommended, and then when they come back with the terms and they've completed it and they come back and tell us what they're gonna offer as the Yep.","start_word":9946,"end_word":10022,"intents":[{"intent":"Underwrite policy","confidence_score":0.6161653},{"intent":"Discuss policy options","confidence_score":0.10903555}]},{"text":"have to even when you get to that point, you don't have to accept the cover. You can alter it, but it means they underwrite the policy anyway. We make them do the work regardless Mhmm. of whether you're gonna take that policy or not. So it's just another kind of option for you there. I'm happy I think to that'd go with probably be whatever the better you way. decide.","start_word":10061,"end_word":10131,"intents":[{"intent":"Recommend policy change","confidence_score":0.08916713}]},{"text":"I'm happy I think to that'd go with probably be whatever the better you way. decide.","start_word":10116,"end_word":10131,"intents":[{"intent":"Confirm policy decision","confidence_score":0.00044553223}]},{"text":"And then every six months, we can review what's happening and look at what's happening with your expenses and maybe increase contributions incrementally along with your comfort level.","start_word":10160,"end_word":10187,"intents":[{"intent":"Discuss expenses and contributions","confidence_score":0.0003687333}]},{"text":"yeah, as I said, in regards to the insurance, because Thank I think you.","start_word":10483,"end_word":10496,"intents":[{"intent":"Inquire about insurance","confidence_score":0.0046286667}]},{"text":"we'll be I a bit I more definitely informed. agree. And for the money that Yep. they charge everybody at the end of the day, make them do the work for a change. Absolutely.","start_word":10586,"end_word":10619,"intents":[{"intent":"Consider change in policy","confidence_score":0.000009221074}]}]},"sentiments":{"segments":[{"text":"I'm sorry, guys. I will catch up with you, though. Alright.","start_word":0,"end_word":10,"sentiment":"neutral","sentiment_score":-0.04792344942688942},{"text":"Thanks for everything.","start_word":11,"end_word":13,"sentiment":"positive","sentiment_score":0.5054877400398254},{"text":"Hey. How Hey, you Steven. doing? It's saying it again.","start_word":14,"end_word":23,"sentiment":"neutral","sentiment_score":0.12074574083089828},{"text":"All good.","start_word":24,"end_word":25,"sentiment":"positive","sentiment_score":0.4673945307731629},{"text":"It's now okay. I'm so sorry. Am I interrupting something? No. No. No. No. No. No. No. That's alright. That's okay. All good. I have your email your statement of advice to you. Are you able to look at that as we're going through it at all? If not, that's okay. I can go through it for you. I'll say no to that. I'm Yep. leaving a friend's family friend's place. Okay. No. That's absolutely fine. Well, what I'll do is I'll run through the advice. I'll let Yeah. you know as to what we're recommending, how, and why. I'll limit it to the things I have to touch on, and then you're able to go back and have a good read of the document. And if you find you do have any questions that come from that, you're welcome to let me know there. Is that okay? Yeah.","start_word":26,"end_word":174,"sentiment":"neutral","sentiment_score":0.07879769802093506},{"text":"That sounds good. Thank you. Beautiful. Excellent.","start_word":175,"end_word":181,"sentiment":"positive","sentiment_score":0.5709688663482666},{"text":"So on the front, when you do see that document and I've emailed it through, so it is in your email box then. I do apologize if you had to reschedule the last appointment. How That's with alright. the way the quotes were that were coming through, The way we needed these quotes to be done, they had a lot of trouble with their system doing what I wanted them to. So, Yep. essentially, That's alright. it meant it took it took a bit longer, but thank you for your patience on that one. I That's still alright. wanted to get this out to you nice and quickly as well to make sure that we could have it all implemented and update for you. Okay? Cool. Before I go through this, I do need to let you know moving forward, we do record these calls for quality and training purposes. Are you happy for me to continue with that? Yeah. That's fine.","start_word":182,"end_word":343,"sentiment":"neutral","sentiment_score":0.0875019058585167},{"text":"Fantastic.","start_word":344,"end_word":344,"sentiment":"positive","sentiment_score":0.6165736317634583},{"text":"And I do have to do a quick security check there for you just to confirm your full name, your date of birth, and address that you have on file. Yeah. It's Steven Charles Brown, May 2 Yep. 1986, and 17 Yep. Byron Drive, Jimboomba, Queensland 4280.","start_word":345,"end_word":391,"sentiment":"neutral","sentiment_score":0.03203350678086281},{"text":"Beautiful. Thank you so much for that.","start_word":392,"end_word":398,"sentiment":"positive","sentiment_score":0.7312214374542236},{"text":"On the front of the document, when you do see it, it has been prepared for yourself. It has yesterday's date there, and the advice and balance are sixty days from the date on the document there. It also has my license number on the bottom. So I'm a licensed authorized representative. I registered with Aspic and an adviser of financial, and my license number is 1304394. Okay. All as you are going through the adviser, it has all the individual strategies outlayed there for you, and we also have noted the best interest duty, which relates back to your goals and how and why we are making the recommendations. I'll let you read through that a bit later on, and if you have any questions, you're welcome to let me know. Okay. With regards to the advice fees, the areas that we are focusing in or looking at advice for superannuation, so your goal is to hopefully retire around about age 60 on about $1,500 per week. You were open to salary sacrificing. We were looking at starting at about $50 per week, starting small, and then building on that down the track. Is that still fairly comfortable, still is that accurate? Yes. Yep.","start_word":399,"end_word":603,"sentiment":"neutral","sentiment_score":0.12878398597240448},{"text":"Beautiful.","start_word":604,"end_word":604,"sentiment":"positive","sentiment_score":0.4517228603363037},{"text":"We also have the insurance side of things there. So you do have your life saving income protection currently paid out of ASDA. We're looking at a way to increase whatever we can to cover your debt for the million dollars once you get the house all transferred over and billed. Yep. Essentially, looking at trying to increase the insurance cover, we went back and did some really good research there. If I do have a recommendation, I will let you know upfront I was not able to increase the TDD or of the IP. So because of your spondylating ancolitis, I'm able to increase the life amount for you to the million dollars, which means that Yep. if you pass away, that is fully paid out. However, with the TBD, they would not increase disability cover in any way, shape, or form. So I have recommended to retain your TBD and your income protection exactly as it is. Because if Yep. we were to look at altering or decrease your income protection, we can't bring it back up to the level that it is. They just no one would give any disability cover for that. So I felt it was best to retain what you had with those covers. Your life insurance was extremely low, a lot lower than your TBD, and we're able to increase that to the million dollar mark there Yep.","start_word":605,"end_word":839,"sentiment":"neutral","sentiment_score":0.02687590404393825},{"text":"Awesome. for you. Okay? Excellent.","start_word":840,"end_word":844,"sentiment":"positive","sentiment_score":0.51726895570755},{"text":"We also looked at trauma. I have found an option for trauma cover based on what we know, and I'll go through that with you in a second as well. And then I've also got the estate planning side in there as well. So just making sure your beneficiaries are applied to the account, making sure that we can help you to fill those out, nominate that to your partner. So if anything happens, you wanna make sure the money is paid to him so he can pay the mortgage off. And then Yep. also doing wills and powers attorneys things like that. We do refer you to a solicitor for drawing up of a will and the power of attorney documentation, and that should Yep. definitely be done in unison with your partner as well because you do have this property that you will get handed over, hopefully, by the end of the year. So you will certainly have a lot more assets to protect in the event of one or one or both of you passing away down the track. Okay. Yeah.","start_word":845,"end_word":1028,"sentiment":"neutral","sentiment_score":0.1776016801595688},{"text":"Excellent. Excellent.","start_word":1029,"end_word":1030,"sentiment":"positive","sentiment_score":0.3617623746395111},{"text":"So I'll start by going through the insurance recommendation there for you just to kinda give you a guide on what I've recommended, and then I'll kinda go back to the super side of things for you because the insurance is really is a base that we wanna kinda start. As I kinda mentioned, you've got your life, your TDD, and your income protection there at the moment. At the moment, your current coverage of life cover you've got is something short of 212,839. We're able to look at increasing that to a million dollars. That then pays out the mortgage if anything happens and allows your super to be paid out on top of that. The one thing I do have to let you know is because and this is the same as the last advice paid providers. Because of the ankylosing thondylitis, it is Yeah.","start_word":1031,"end_word":1177,"sentiment":"neutral","sentiment_score":0.09755241825264328},{"text":"a much high risk condition.","start_word":1178,"end_word":1182,"sentiment":"negative","sentiment_score":-0.4041683375835418},{"text":"So insurers do see that as very high risk with what can essentially come out of it. You know, they're essentially assessing it as being progressive and symptomatic, and it carries a high probability of long term functional impairment and hidden systematic complications. So they assess that risk level when they are assessing that, and it does Yeah. essentially mean that we can increase the cover, but it does come with a loading. They've assessed it either one to 200% loading, and that will be assessed fully at the time of underwriting.","start_word":1183,"end_word":1274,"sentiment":"neutral","sentiment_score":-0.16096296906471252},{"text":"I don't like that, and I'm very sorry for that. It does make the policy a bit more expensive to hold, But I Yep.","start_word":1275,"end_word":1298,"sentiment":"negative","sentiment_score":-0.46534040570259094},{"text":"do like a loading over exclusion. So, essentially, when there are preexisting conditions, they Yep. tend to either add a loading, which makes the policy more expensive, but still allows you to to claim on the policy for any, you know, death or illness as a result of the previous condition. So if there's something and I'm gonna be really honest. I'm not a doctor, so I don't know a great deal about analyzing fundalized and how that can be progressive. It's just what I've gone through with doing the research for you. But, Yep. essentially, if if you were to pass away as a result of, you know, any kind of progression with regards to anxalizing spondylitis, it does mean that they will still pay out the life cover. Whereas if they have to put an exclusion onto that, which is what they tend to do with cancer, Yep.","start_word":1299,"end_word":1448,"sentiment":"neutral","sentiment_score":-0.2101094275712967},{"text":"they tend to put, like, a cancer exclusion, which means that the person passes away as a result of cancer or as a result of something that, you know, progressed from cancer, they don't pay Yep.","start_word":1449,"end_word":1484,"sentiment":"negative","sentiment_score":-0.34885135293006897},{"text":"out the life benefit. So generally speaking, a loading over exclusion is more preferable, Yep. and I do expect a loading on this policy. It does mean that with the life policy, once we complete the increase, the policy goes from being $60.47. It does go to being $4,074 for the year. So it is a much higher cost, albeit deducted out of super funds. So I just wanted to be open and disclose that to you so you're full aware. Okay? Is now a good time to say, can we turn the recording off? Probably not because you just said that. And I have a duty of care. I'm sorry, Steven.","start_word":1485,"end_word":1596,"sentiment":"neutral","sentiment_score":0.06308360184941973},{"text":"Anything I currently know about isn't a good thing. No. No. No. No. It wasn't that. It it was just gonna be holy shit.","start_word":1597,"end_word":1620,"sentiment":"negative","sentiment_score":-0.5008217692375183},{"text":"Oh, no. That's okay. Don't you worry. You can swear and you can say anything you need. It's not a problem at all. Yeah. I wasn't expecting that for, like, $500 up to 4,500. Wow. Yeah. It is a big jump, and it's because the like, obviously, there's the increase in the policy with increasing it from $200,000 as it come in short to a million, but then there's Yep. also that, you know, one to 200% loading. And I've included a 200% loading in that increased amount, so I'm over disclosing. That way, if the insurer comes back and goes, hey. You've had it a bit longer.","start_word":1621,"end_word":1728,"sentiment":"neutral","sentiment_score":0.17099028825759888},{"text":"Things are really well under control.","start_word":1729,"end_word":1734,"sentiment":"positive","sentiment_score":0.4764232933521271},{"text":"We might reduce that loading to 100%.","start_word":1735,"end_word":1741,"sentiment":"neutral","sentiment_score":0.3310289680957794},{"text":"It means that the policy could be a bit cheaper for you as well.","start_word":1742,"end_word":1755,"sentiment":"positive","sentiment_score":0.35338157415390015},{"text":"Okay? Okay. So that's not Beautiful. a definite that's not a definite price then that it's Nice. you've you have over quite okay. Okay. Yeah. That's Yeah.","start_word":1756,"end_word":1782,"sentiment":"neutral","sentiment_score":-0.002760552568361163},{"text":"cool.","start_word":1783,"end_word":1783,"sentiment":"positive","sentiment_score":0.4428594410419464},{"text":"Definitely. So we we did a research, and we disclosed everything to you, but we know that this will all come down to what happens at underwriting and how the underwriters accept the application. And, ultimately, they will when they offer the cover, will tell us what they're gonna offer and whether there's any changes to what they've told us. So we pre assess everything with them, and this is based on what they've told us that they're likely to assess it as. But it Yep. all comes down to what happens when they request doctor's report and what comes out in that. And depending on what else is there, so you've also sort of noted there are other kidney going from the polyps. They are gonna request doctor's reports for those sorts of things and check that there's no ongoing issues. If they find anything, there could be additional loadings or exclusions applied. There could be a decline. It's just all based on it will come down to what's in the doctor's report. So as long as, you know, there's been no major issues, you don't you you haven't had to, you know, have any test of all the sick kidney disease or the ongoing problems from the kidney stones and things like that, then hopefully, that will assess pretty well. But there's always an unknown aspect to what we do because we just don't see the doctor's reports. We're not allowed to request that information, and the underwriters Yes. will assess and look at that. So I tried to over disclose so you can expect this is what we're expecting. But we hope for a much better result for you, and we will work very closely with the underwriters and keep track of what's happening so we can kinda see what what comes out of it.","start_word":1784,"end_word":2091,"sentiment":"neutral","sentiment_score":-0.00942383913395854},{"text":"There is always with every insurance application, there's always a risk of a decline. If the doctor's report have something that hasn't been noted or the doctor's written, you know, something saying something is worse than it was or there's been other symptoms or anything that's not disclosed, then there could be there's always a risk of a decline with the policy as well.","start_word":2092,"end_word":2155,"sentiment":"negative","sentiment_score":-0.43627578020095825},{"text":"So this is what we've been told we can expect, and this is still a good result. It still gives you that level of cover you're after with life.","start_word":2156,"end_word":2184,"sentiment":"positive","sentiment_score":0.5087850689888},{"text":"With the TBD, you're actually covered for a benefit of $849,007.64. And this sum insured for your TPD increases in little increments every year along with PCI or indexation. So, eventually, Yep. that will just get to the million dollar mark, and those increases don't incur any underwriting. So there's no current exclusions on your TBD policy, and that benefit will just keep increasing as it goes through renewal along with CPI, and that will eventually get to the million dollar mark without any additional underwriting there. But they weren't able to offer any new disability cover there. So this allows Yep. you to keep increasing your TBD in smaller increments and eventually get to your goal, albeit we know at the moment we're not quite there. It's still only 849,000, and I'm just owning that for you as well. Okay? Okay. With the income protection. So we had a bit of a look. Based on 70% of your income, you are slightly over insured there. However, if I was to go back and decrease or alter that income protection policy, if you get Yeah. an increase in income and then we need to reincrease the policy, I wouldn't be able to do so because all the insurers came back saying they wouldn't offer disability cover full stuff. It was a full decline. So I felt it was best to keep your income protection policy as it is. It allows the increases in your income, and it means that you can claim a higher benefit if you need to. All b will keep you know, looking at it. If it becomes overly expensive, it's only a small amount over insured by, so it's not Yep. a huge difference. But if it became too much at any point, we absolutely would look to decrease it. But for now, I'm not making any changes to the the amount you're insured for because instead, we can't increase it back if we need to, and that is a bigger risk over being over insured by a couple of $100 per month, essentially. Does that make sense? Yeah. That makes sense. Yep.","start_word":2185,"end_word":2541,"sentiment":"neutral","sentiment_score":0.02766220830380917},{"text":"Beautiful.","start_word":2542,"end_word":2542,"sentiment":"positive","sentiment_score":0.36079949140548706},{"text":"The total yearly premium, this is probably gonna make you swear again.","start_word":2543,"end_word":2554,"sentiment":"neutral","sentiment_score":-0.1608322709798813},{"text":"I'm very sorry.","start_word":2555,"end_word":2557,"sentiment":"negative","sentiment_score":-0.36791348457336426},{"text":"When we when we be when we increase your life and add it to the TBD and the income protection because it's all kinda paid out of super there, essentially, Yes.","start_word":2558,"end_word":2588,"sentiment":"neutral","sentiment_score":0.06092410907149315},{"text":"you do have a a flexi link policy. Some of it is paid out of pocket, and that will just stay exactly as it is, which is absolutely fine.","start_word":2589,"end_word":2617,"sentiment":"positive","sentiment_score":0.3968973159790039},{"text":"But, essentially, Yep. the total that you have for the pay this year for your policy total is about $4,817.33. When we look to increase the policy, the total that is expected to be paid based on the reset is $7,679. It's increasing your total insurance payment out of your super by about $2,862. So it is an increased cost. It is also increasing that level of cover for life. And when I weigh up the options, it is still best to do so because if you pass away, once you get that half handed over and that million dollar mortgage, this life cover would pay that out. What I really kinda wanna reiterate is that what I wanna do moving forward, because I know this has an effect on your super and your overall retirement asset, is Yeah. as your mortgage decreases, as your super balance increases, we look to reduce that that life cover down. That way we can reduce it back, keep the cost, you know, reducing over time, keep more inside Yep. your super, and just keep altering it as we need to, whether it be every year, every six months. It doesn't really matter. But as you pay down the mortgage, as your super balance increases, as things are working really well, we just decrease that life cover back so that it's covering Yep. the mortgage or what you need to cover, but that way, Yep. you know, readjusting the cost of it to keep you super working as hard as possible as well. Does that make sense? Yeah. Yeah. Yes. And go for it. Say whatever you need to. If you wanna swear, you're fine. You just fine. I understand it. Well, I I did it to be higher, obviously, because of the other stuff, Mhmm. excuse me, where it gets increased. So at the moment, where I stand and and the information that you've told me so far, how far out of this deficit am I compared to where I was? So overall, Well, seven not thousand, or I'm talking eleven, twelve thousand ish? not too not too bad at all because, realistically, it's still putting you in front. So the other thing is we're going to once you've we have to basically do it to be increase your life insurance first. That way, you've got your million dollar cover. And then we Yep. can still remember last time we talked about transferring that policy over? So it transferred from Asgard into Hub twenty four and paid out of your Hub twenty four account. That allows us to consolidate the two. Do you remember going through Yeah. that? Yeah.","start_word":2618,"end_word":3063,"sentiment":"neutral","sentiment_score":0.06928899331277262},{"text":"Yes. Beautiful. So we're still gonna be able to do that, which means that we'll the way it has to work is we increase the life first, then we do the Yep.","start_word":3064,"end_word":3095,"sentiment":"positive","sentiment_score":0.45834672451019287},{"text":"transfer, and then we can look to consolidate your super fund.","start_word":3096,"end_word":3106,"sentiment":"neutral","sentiment_score":0.243688702583313},{"text":"Essentially, once we consolidate everything, you'll actually save about $398 in administration fees because you'll go from having two funds to one. Yep. I'm also readjusting the portfolio for you, and it's actually gonna save you about $262.","start_word":3107,"end_word":3144,"sentiment":"positive","sentiment_score":0.4618784487247467},{"text":"And then I also had a bit of a look at the way you invested with your portfolio. We kinda talked a bit before last time about being in that growth environment there. When I kind of went back and looked at how you were invested, between your funds, you're actually in more of that high growth environment. So 90% in those growth assets, so Australian, national shares, property, and commodities, and then Yeah. also 10% low risk defensive investment. I'm also recommending that we stay high growth, that we don't go lower risk, that we stay high growth because as much as you're taking more risk by being in that high growth environment, one of the things we talked about was how you would feel in a market shift, how you would would you put more money in, take advantage of that downtime. And because you are still so young, you've got a lot of time before you can access super, we can take a bit more risk in the market.","start_word":3145,"end_word":3316,"sentiment":"neutral","sentiment_score":0.1548085659742355},{"text":"We can this allows us to take advantage of potential greater returns, so the market is doing really well.","start_word":3317,"end_word":3335,"sentiment":"positive","sentiment_score":0.4532181024551392},{"text":"And I think being in that high growth environment, given your age or stage, we kind of need that to try and get those greater potential returns to try and make Yep. sure that we're mitigating some of the increase in the insurance policy as well. Does that make sense? Yeah. Yeah.","start_word":3336,"end_word":3387,"sentiment":"neutral","sentiment_score":0.16525474190711975},{"text":"Perfect.","start_word":3388,"end_word":3388,"sentiment":"positive","sentiment_score":0.5332105159759521},{"text":"Do you agree with that? If you don't, that's okay. No. I do. Because, Yep. I mean, I'm I'm only 40. So, yeah, I've still got Yeah. at You're least younger 20 than seven me. years. Yeah. You're younger than me. Am I? I don't know. I've never Yeah. mentioned, but I have no idea. No. I'm good. You are younger than me. I look at everyone's birthday and I guess, yeah, you're younger than me, so it's okay. No. Look. I I have no problems with my age.","start_word":3389,"end_word":3477,"sentiment":"neutral","sentiment_score":0.010657759383320808},{"text":"I've worked very hard, and I actually kind of enjoy my forties.","start_word":3478,"end_word":3489,"sentiment":"positive","sentiment_score":0.4564044773578644},{"text":"It's kind of like my time. Yeah. But I'm actually 42 this year, so I'm actually Oh, older no. than you. Yeah. Hopefully, that makes you feel good. But, like, I have very similar time horizon to what you have. So, realistically, six is the earliest we can access super, and taking on a bit more risk now to get those greater potential returns is really good, especially when we know it's gonna be a higher insurance cost, taking advantage of those higher returns to try and mitigate some of that insurance costs, and Yeah.","start_word":3490,"end_word":3584,"sentiment":"neutral","sentiment_score":0.2354421317577362},{"text":"also lowering the cost of your portfolio, saving on admin fees, saving on investment fees. Just by saving on the admin fees and the investment fees alone, so 398 for admin fees by consolidating and $2.62 in admin fees. You're saving about $660 for the year, and that compounded board over the next five to ten years can have a pretty greater effect on your super there.","start_word":3585,"end_word":3651,"sentiment":"positive","sentiment_score":0.4669853150844574},{"text":"Yeah. Yep.","start_word":3652,"end_word":3653,"sentiment":"neutral","sentiment_score":0.2915544807910919},{"text":"All good.","start_word":3654,"end_word":3655,"sentiment":"positive","sentiment_score":0.5165625214576721},{"text":"I'm also recommending that we do start salary sacrificing that $50 per week. We'll start with that. If we find that the mortgage isn't decreasing, that we need to keep the insurance level a bit higher for a bit longer, we can always look to increase salary sacrifice as well, increase what we're putting into the super fund to try and help mitigate off some of that insurance premium for you as well. Okay?","start_word":3656,"end_word":3729,"sentiment":"neutral","sentiment_score":0.08226556481944548},{"text":"By doing that $50 per week will help to provide a greater benefit.","start_word":3730,"end_word":3742,"sentiment":"positive","sentiment_score":0.3965865969657898},{"text":"And, essentially, when I sort of looked at the way the portfolios were working, Ben along had a huge part in, you know, reducing a lot of the portfolio and how that was performing for you for this year. But when Yeah.","start_word":3743,"end_word":3784,"sentiment":"neutral","sentiment_score":-0.15137477219104767},{"text":"we kind of average out the BT fund and the HUB twenty four fund, it's only really been getting about a 4% return, which is dismal and terrible.","start_word":3785,"end_word":3812,"sentiment":"negative","sentiment_score":-0.39486658573150635},{"text":"When we look at the newer portfolio that I wanna put you in, and you'll be able to see that when you see the document there, It's averaged Yeah. about a 14.26% when we look at a three year rolling average. So this Sorry. high growth What was environment that? has so are you at Sorry. What was that percentage? I just hit the wall with something, what? and I didn't hear it. Your it's 14.26 over the past three years is averaged. Oh, yeah. Yep. Well, I definitely Yeah. love the 10 So 14 it's better than four.","start_word":3813,"end_word":3911,"sentiment":"neutral","sentiment_score":-0.04884722083806992},{"text":"I I a 100% agree with you.","start_word":3912,"end_word":3918,"sentiment":"positive","sentiment_score":0.3671281039714813},{"text":"I'll be honest, and I'm very honest with everything. I do not think you're gonna get 48% every year. However, this sort of portfolio does have a greater potential return to achieve close to that or, you know, even in the high growth environment, even if you're able to obtain, you know, eight to 10 or 10 to 12% return compounding that forward over the next sort of three to five, even ten years, that puts your super in a much greater position.","start_word":3919,"end_word":4001,"sentiment":"neutral","sentiment_score":0.2772531807422638},{"text":"And then saving on fees and having one fund rather than two, that also provides Yep. a greater benefit long term for you as well.","start_word":4002,"end_word":4026,"sentiment":"positive","sentiment_score":0.4623780250549317},{"text":"Okay. Yeah.","start_word":4027,"end_word":4028,"sentiment":"neutral","sentiment_score":0.2669675648212433},{"text":"Beautiful. This superfund.","start_word":4029,"end_word":4031,"sentiment":"positive","sentiment_score":0.4787315726280213},{"text":"This I'll try to keep fairly brief because you'll be able to have a look at this on page 22.","start_word":4032,"end_word":4051,"sentiment":"neutral","sentiment_score":0.21663372218608856},{"text":"But, essentially, within your fund, we are removing the ban along Australian equities completely that was providing a a really dismal return. They haven't formed, and we're removing that out ASAP.","start_word":4052,"end_word":4082,"sentiment":"negative","sentiment_score":-0.5334257483482361},{"text":"That's We good. are Because also after our last selling conversation, off I've seen that they they did a buy, and I'm like, hang on a minute. You're telling me, no. Don't buy into it, and then they're buying into it. I'm like, oh, hang oh, yes. on. Yeah. No. We kind of have to until we change the the portfolio. So what happens Yeah. is we as per your last statement of advice, that is essentially what we have to buy into. It's what recommended on your on your super fund. Until we make these changes in there and you agree to this, we we continue to do that Mhmm. unless you sign a document that says we Yep. we stop doing it. The good news is it Yep. wasn't a huge buy in. It was been No. a long I wasn't. thing down. Hopefully, you take a bit of an advantage of that. So but no. It's all good. So we're gonna sell off Benelon. I am removing the battery unless the insect has been a bit volatile this year, and I'm looking to alter and reduce the risk level of well, not the overall risk level, but kind of reduce the cost as well as the, you know, the volatility within your portfolio. ACDC Mhmm. and battery and lithium tech have had ups and downs. It is very volatile, and this year has not seen great returns. So we wanna remove Yep. that for you completely. Global agriculture is not a bad investment but hasn't been doing very well. So we wanna kinda remove that from your portfolio. We'll sell all of that off. You only have 1.80% in your portfolio. Very small amount to hold. So we're just gonna Mhmm. remove that from your portfolio there as well. Yep. You also have the beta share cybersecurity, and this is giving you exposure to global cybersecurity.","start_word":4083,"end_word":4401,"sentiment":"neutral","sentiment_score":-0.09734794497489928},{"text":"So it is really good for risk mitigation because you're, you know, going over the entire globe. You're spreading your risk level globally with that cybersecurity side of things and moving Yep. forward with everything that everyone's going through.","start_word":4402,"end_word":4440,"sentiment":"positive","sentiment_score":0.48576274514198303},{"text":"Cybersecurity is a huge area to kind of build on. So you've got about Mhmm. 5.5% there now. We wanna hold 7% in this portfolio, so it's buying into a bit of that for you. We've also got the Asia and European exposure. We do still wanna keep those kind of exposures, but these are more somatic ETFs. They have done really well, but we've got essentially a better way to kind of hold those sorts of investments and a cheaper way to hold those investments while still giving you exposure to them. So we're gonna sell those two ETFs down to zero and remove them completely. You've got the S and P 500 in there at the moment. You've got about 21.90%. You wanna keep the S and P 500. It has been performing well, has seen volatility, but we wanna keep that as we see quite a good amount of growth in international equities. So we're gonna increase that to 25%. Other areas that we're going to keep are global cyber sorry. Global health care. Health care is still a really good area to hold, and, again, it's global. So spreading your risk level across the globe. Even being in a high growth environment, you still wanna mitigate what what risk you can. You want good return, mitigate as much possible risk as possible. We can never reduce it completely, but we can utilize what schools we have to mitigate as much as humanly possible. You have about two percent in global health care. You're a bit underweighted at the moment, so we're gonna bring that up to 7%. You've got the diversified Vanguard index. This is kind of a mix of growth and defensive index. Hasn't growth and defensive investments hasn't really performed the way we wanted it to this year, so we're gonna remove that from your portfolio. We are gonna see some exposure increase into India. We don't have any at the moment.","start_word":4441,"end_word":4768,"sentiment":"neutral","sentiment_score":0.07255550473928452},{"text":"It has seen some good growth, so we're gonna keep that.","start_word":4769,"end_word":4779,"sentiment":"positive","sentiment_score":0.6007121801376343},{"text":"We wanna have about 7% in there, so we're gonna buy some India exposure. You have the beta shares Rafi two hundred. This is giving you exposure into Australian equity. We've found a cheaper way to hold Australian equities and give you the exposure needed. So we're gonna sell off the Raffi as well as the Benelon and move the exposure into the beta shares a 200. Holding the a 200 means you hold one investment giving you exposure in the top 200 companies on the ASX, holding around about 10% of that investment there. And oh, actually, sorry. My bad. We're actually buying some more of the Rafi. My apologies. We don't have the Rafi. We're buying into the Rafi. We wanna hold 15% of the Rafi and 10 of Australians a 200 so that you do have about 35 sorry, 25% in Australian equities. We were getting rid of the Rafi out of this portfolio, but it looks like we're gonna keep it in there, which is good. Essentially, Australian equities, we do wanna hold some of, but we don't tend to hold as much as global international equities because it tends to we tend to follow suit. Our country is very much the little brother of The US and some of the bigger countries out there, and we tend to follow suit exactly. So we hold just as much, not quite as much as the international side of things, but having access to Australian equity still sees good returns.","start_word":4780,"end_word":5031,"sentiment":"neutral","sentiment_score":0.10889136046171188},{"text":"The BetaShares a two hundred is actually one of those best that pays out dividends, which is really cool. Those dividends are some of the highest for Australian equities, and they're paid into your cash account, which is used for compounding effect.","start_word":5032,"end_word":5073,"sentiment":"positive","sentiment_score":0.4227137267589569},{"text":"So I wanted to make sure we created that for you. Okay? You've also got the JPMorgan Global Research Enhanced Equity Fund.","start_word":5074,"end_word":5095,"sentiment":"neutral","sentiment_score":0.2438751757144928},{"text":"This is a new inclusion in your portfolio. I really do actually like this investment.","start_word":5096,"end_word":5110,"sentiment":"positive","sentiment_score":0.5099495649337769},{"text":"With this one so we talked about last time about replacing Van Along. It wasn't performing very well. You wanted to, like, look at the lower cost side of your portfolio to kind of reduce cost where possible, but also wanted a little bit of active management in there to take advantage of that where where we could.","start_word":5111,"end_word":5168,"sentiment":"neutral","sentiment_score":0.14553326779398426},{"text":"And this investment essentially does that.","start_word":5169,"end_word":5174,"sentiment":"positive","sentiment_score":0.35056841373443604},{"text":"The JPMorgan Global Research Enhanced Equity Fund gives you exposure globally to help with diversification. It is a small component active, so that 10 to 15% actively managed by dating more than three search teams. It gives you exposure to the whole globe, essentially, and any areas that they see additional growth in.","start_word":5175,"end_word":5227,"sentiment":"neutral","sentiment_score":0.2687855064868927},{"text":"It has done really well. I do like this investment, and we're holding about 15% of this one in your portfolio. So it's essentially a low cost fund, giving you some active management in there and has performed really well, but it's also helping to reduce the overall cost of your portfolio, which I do like as well. Okay. Sounds good.","start_word":5228,"end_word":5288,"sentiment":"positive","sentiment_score":0.6628010272979736},{"text":"The last two are physical gold and the core composite bonds.","start_word":5289,"end_word":5299,"sentiment":"neutral","sentiment_score":0.24745455384254456},{"text":"We all love a little bit of gold. I definitely do. We're adding gold into your portfolio.","start_word":5300,"end_word":5316,"sentiment":"positive","sentiment_score":0.4614932835102082},{"text":"The physical gold will hold about 7%. And then core composite funds, these are defensive low risk investments, essentially, with core composite funds.","start_word":5317,"end_word":5339,"sentiment":"neutral","sentiment_score":0.25210264325141907},{"text":"It's giving you exposure to government and corporate bonds, really good for income producing. And it also has some international certification into bank notes and other fixed interest areas, which is kind of really cool as well. So that essentially makes a good portfolio.","start_word":5340,"end_word":5383,"sentiment":"positive","sentiment_score":0.4368029832839966},{"text":"I'm really sorry. It's kind of it's not easy when you're not looking at the investments, and I try to sort of take it as easy as possible. But if you have any and I try to sort of take it as easy as possible. But do you have any questions in relation to any of that? Yeah. Where do I find that? Because I can actually look at that now. Oh, perfect. It's on page twenty two and twenty three. In the SOA? Yeah. Yep. Page twenty two and twenty three. Yeah. Sorry. I was I just opened something else. I was No. You're I fine. was in the hub 24 document. I'm like, 491 pages. I'm like, holy crap. Please Oh, don't yeah. tell me she's gonna That's direct the me PDF. to this one. Yeah. That's the product disclosure statement. So I have to give that to you. If you like reading and you wanna run your eyes over that one, absolutely happy to do so, But not everyone's that I didn't think interested it was the PDF. I thought it was, in like, else. But anyway, they have four PDF. 191 pages. I was like, oh, damn. That's a lot of pages. It's it's either the the the best because there's three product disclosure statements. They've got the main one, and then they've got the investment one as well. And I think the 491 pages goes to all the individual investments you can hold on the platform. Yeah. Last six. Yeah. Yeah. Alright. Second of advice. What was the last two Twenty two twenty and '23. Yeah. two? Sorry, Steven. 2223. Okay. Alright. I I can see these figures now.","start_word":5384,"end_word":5667,"sentiment":"neutral","sentiment_score":0.018739895449138025},{"text":"Beautiful.","start_word":5668,"end_word":5668,"sentiment":"positive","sentiment_score":0.5455392003059387},{"text":"So, essentially, the one that we kind of, say, focus on the most is the buy sell column. That's essentially showing you what we'll pay what we'll sell as the investment in red and what we're gonna buy into in green. It does go over onto the next page there, essentially. And the last two columns show at the end of the switch where, essentially, you should see your target weighting within your portfolio and how much you should hold within those investments there for you. Okay. Oh, yeah. Toggle light, toggle balance. Yep. Okay. Yep.","start_word":5669,"end_word":5764,"sentiment":"neutral","sentiment_score":0.15858395397663116},{"text":"Perfect. So there are a few changes to make within the portfolio, which is good.","start_word":5765,"end_word":5779,"sentiment":"positive","sentiment_score":0.44624578952789307},{"text":"But, yeah, just wanted to kinda go through that. The other thing I do point out is that with whenever you make changes in your investment portfolio, so buy and sell investment, As I said, as we mentioned last time, your super fund, just like you, does a tax return every year. They pay income tax and capital gains tax. So being able to make these changes for you, I did look at the tax consequences. Your super fund is expected to pay $77 in CGT to to be able to switch your investments for you. Okay. Well, that's next to Yeah. nothing. So So I was able to lower the tax as much as possible. Yeah. yeah. That's I've I've had worse, but yeah.","start_word":5780,"end_word":5904,"sentiment":"neutral","sentiment_score":0.1557925602197647},{"text":"That's pretty good.","start_word":5905,"end_word":5907,"sentiment":"positive","sentiment_score":0.5373615026473999},{"text":"I Yeah. was expecting you to say at least a Thank 100 and you. something. No. I I just wanted to make sure that we we could do what we could and try to get as much growth out of the portfolio as possible, try to mitigate, you know, the increase in in insurance recommendations, try to consolidate everything for you and have it all in one place. But I definitely wanna make sure we do catch up and review these investments because investments do go up and down, and I'm very aware you know, I like to make sure everyone's aware. Projections are just projections. So we do Yeah. know markets go up. We do know markets go down. Whether you're in a growth or high growth portfolio, you still see market risk. You still expect a negative return one every five years. We just wanna take advantage of the up while we do get there. So I do wanna make sure that we maybe touch base once every six months to see Yep. how things are traveling, to look at the returns. And if there needs to be changes made, we do that. If we can increase contributions, we talk about doing that. If the insurances need to be altered, we do that for you. That way, things are being checked on more regularly, and that way, we can make changes as we need to so that I Yep. can make sure things are working as hard as possible. You have a lot of time ahead of you, but I wanna make sure that compounding is working, and I don't want your super to go backwards in any way, shape, or form. So that's kind of where I was at with making these recommendations, and I definitely wanna sure that we catch up on every six months if you're comfortable to do so. Yeah. No. That sounds good because, yeah, between me and my partner, my super balance is dismal, and he's only got three Yeah. more years on me. So oh, actually, hang Wow. on. What am I forty no. He's Well got five years on me. so we'll see what we can do about that. Because yeah. Yeah. Leaps and bounds Yeah. different. No. We definitely It's not a small difference.","start_word":5908,"end_word":6292,"sentiment":"neutral","sentiment_score":0.00773605348711664},{"text":"absolutely. It's a a huge difference.","start_word":6293,"end_word":6298,"sentiment":"positive","sentiment_score":0.4741925597190857},{"text":"Yeah. Of course. Definitely. So, no, I definitely And he wanna does make sure nothing that with this, you. you know, goes into bite for you. Yeah. Sorry. And I said that he does nothing with you.","start_word":6299,"end_word":6335,"sentiment":"neutral","sentiment_score":-0.04111293703317642},{"text":"He literally just wants to do his thing. I'm like, he sucks. That's no good.","start_word":6336,"end_word":6350,"sentiment":"negative","sentiment_score":-0.4170917570590973},{"text":"No. Well, the the good thing Right. I wanna I wanna get this balance moving harder. One of the the difficult things is once you kinda get your balance up to that sort of $2.02 5,300,000 a month, that's when you really get the compounding effect. So if we can get contributions increasing, get the growth, you know, compounding a little bit harder, get your balance up over the next couple of years, then we can kind of go from there and really see the effect long term. So Yep. Yep. yeah. So we can do to help you out here and make changes as we need to because, I mean, these investments have worked really well now. But, you know, next one, two, three, five, or ten years, they may not be doing the same thing. We may need to alter them again. And, realistically, investment portfolios do need to be updated not, like, every year, but pretty regularly because investments do become obsolete, not work properly. They have issues or, you know, need to be switched out for other areas. Always the other areas of growth and decide to take on those sorts of advantage areas there. So we'll just keep reviewing it, keep touching base, seeing how things are tracking, and, you know, consolidating will be a definitely a big help there, and then try to get those insurances sorted for you so that you've got that higher level of cover, and everything can be put into one place there for you as well.","start_word":6351,"end_word":6607,"sentiment":"neutral","sentiment_score":0.08138936758041382},{"text":"Okay. That sounds good. Fantastic.","start_word":6608,"end_word":6612,"sentiment":"positive","sentiment_score":0.5726013779640198},{"text":"The only other thing in there to kinda go through with the recommendations is, obviously, beneficiary nominations. I'll make sure that they are sent out email and posted so they can be filled out and nominated and added to the life policy and also your hub twenty four super account. And then we have also made a recommendation that you guys should speak to a solicitor and talk about doing up a will and power of attorney documents to make sure that everything that you've worked hard for outside of super and life insurance is also protected and looked after for you. Okay? Okay. The other thing I wanted to show you was the trauma recommendation. So we also talked about we've got the life changing income protection all kinda covered, but the other thing that you wanted to look at was trauma. Mhmm. The trauma is an out of pocket cover. You wanted to look at about two years worth of trauma cover. Does that still Yeah. sound about right? Yep. That's okay. If you go down to page 36, this is the trauma recommendation there for you. Sorry. What Sorry. what page was that? 36. Oh, yep. There we go. Yep. Beautiful. So I had a look around. I have not recommended trauma with power because power weren't offering the product. But Mhmm. in Compass, based on the free assessment, Encompass is another insurer, really great insurer. They actually take on a little bit more risk, which is great. They have come back saying they are likely to offer trauma covers to you, offering the benefit amount of 154,000, so two years worth of income. And, essentially, they would have a 50% loading attached to it because of what was disclosed. It essentially means the monthly premium expected is about a $177.80. So this part of the recommendation all comes down to what your expenditure looks like and whether you're able to afford this. If you decide not to take the trauma now, that's okay. We can come back and review that at a later time. But this essentially would be costing about a $177.80 per month. So that over the course of the year is about $2,133 for the trauma. Yeah. I'll have to give him to Think that. about that. Yeah. Mhmm. Yeah. I figured that would be the case, and that is okay. So the important thing to remember is these are recommendations. If there is any part of the recommendations you decide you do not wish to take on board, that's okay. On the very last page of the document, we actually have a box that says multiline in there. In that box, if you decide you don't wanna take on the trauma right now, you just write in there, don't want trauma or, you know, don't wanna accept this recommendation or wanna do this, and we will just that come back to us, and we will help, you know, abide by that. We'll just not implement the trauma recommendation, or we can make changes for you. So that box is put there. So if there's any part of the advice you wanna alter, change, or not take on board, you can just make a little note in that box. It comes back to us, and we make sure to alter the implementation by not implementing a certain section or helping you to vary that in any way, shape, form. Does that make sense? Yes. Sorry. Where was that? Page It'll 50 be on three. page number 54. Okay. Oh, yeah. It's just the from what I can see, it's just a blank part. Above Yes. It's a blank box. Yeah. Sometimes sorry. it The has white multiline police sign. written on it. Sometimes it doesn't. No. That's That's all why I good. was like, hang on That's a minute. Let all me good. see something. Where am I? That's alright. No. You are absolutely fine, honestly. That is essentially the entire recommendations.","start_word":6613,"end_word":7281,"sentiment":"neutral","sentiment_score":0.04472980006515802},{"text":"I would love it if you would take some time just to read through the document. Let me know if you do happen to have any questions that come from that.","start_word":7282,"end_word":7312,"sentiment":"positive","sentiment_score":0.4309016168117523},{"text":"The I've taken you through the pages and the areas that are applicable.","start_word":7313,"end_word":7325,"sentiment":"neutral","sentiment_score":0.33214959502220154},{"text":"But as you kind of run through it from start to finish, it has all the recommendations outlined for you, the advantages, the disadvantages, the risks involved, and also any alternatives that I have considered as well for you. So feel free to run your eyes over that. Have a bit of a read. If you have any questions, you're more than welcome to let me know.","start_word":7326,"end_word":7392,"sentiment":"positive","sentiment_score":0.3949098587036133},{"text":"And then get and then if there's any part of the recommendations you choose not to opt in to or not to take on board, just make a little note on that last page there.","start_word":7393,"end_word":7427,"sentiment":"neutral","sentiment_score":0.07786020636558533},{"text":"And if you're happy with everything, we'll get you to sign and return the documents back. After you've made that little note in that big box there for any changes, you can also sign and return it back, and we can just start implementing it. My team will try to help you get that sorted as quickly as possible, and we definitely wanna make those changes to your super ASAP as well.","start_word":7428,"end_word":7499,"sentiment":"positive","sentiment_score":0.44532161951065063},{"text":"Get rid of that along, get rid of some of those investments, and get your super working a bit harder for you. Okay. Yeah. Okay. So I'm just on Yeah. page it's actually page 29 Yep. of the SOA. It says Yep. income protection down the bottom at that amount per month. Is Mhmm. that right? That seems Mhmm. Income protection. Yeah. So that's your monthly benefit. That's how much you're covered for with your income protection policy.","start_word":7500,"end_word":7577,"sentiment":"neutral","sentiment_score":0.06873215734958649},{"text":"oh, that's good.","start_word":7578,"end_word":7580,"sentiment":"positive","sentiment_score":0.5361482501029968},{"text":"Okay. That's the benefit. Oh, my god. How much Yep. are you paying? No. That's okay. So the table's actually half on one page and half on the other. So if you go down to the next page, you've got the other half of that table. Sorry. So on page 28. Oh, yeah. Yeah. Page twenty nine and thirty. Yes. Then. 30. Oh, yeah. Year. Okay. Yep. Alright. So So what I your monthly do need benefit to or how much you're insured for? Sorry. You're right. so what I do need to find out is if I do go ahead with these, Mhmm. how how is it all financed and because I know now I pay some Yes. out of pocket and I'm out of super. What is there somewhere in here that tells me exactly how much I How will much be contributing you pay for each out policy? of a pocket? Well, yeah, each Well, policy, but the also out of out pocket of pocket. yeah. Excuse The out of pocket policy, that won't change in any way, shape, or form because that's just me. the income protection policy unless you take the trauma on, and that'll sort of increase that. So if we kind of look at that for you, so the $177.80 for that And with your income protection policy, in the front of the document on pages eleven and twelve that outlines your current policy that you do have there, and that essentially shows that you pay $42.49 per month for your income protection outside of. Yeah. So if we add that to the possible trauma cover, because this is what's gonna tell you how much you need to pay per month, it means out of pocket is 2,002 hun sorry. $220.29 per month. By twelve months, it's $2,643.48. Okay. So there's a lot of money out of pocket, whereas at the moment, the $42.49 is about $500 for your income protection it more Yeah. just comes down to when looking at the out of pocket cost. The income protection is absolutely important to keep out of pocket. That, you know, provides you with greater benefit. If you can't work, it gives you a monthly benefit to look after you and help cover your bills and things. Things. Whereas trauma is only paid out if you have a traumatic diagnosis, things like cancer, heart attack, stroke. Mhmm. Exclosing It means spondylitis. that you can claim on income protection.","start_word":7581,"end_word":7994,"sentiment":"neutral","sentiment_score":-0.00971550164082884},{"text":"Unfortunately, no. That that was a traumatic experience.","start_word":7995,"end_word":8002,"sentiment":"negative","sentiment_score":-0.4073638319969177},{"text":"Doesn't I'm sorry. I know. I'm very sorry. It doesn't kinda come under there. It does, however, if you are not able to work, you do the ankleizing for the lighters. Income protection covers that for you, if that helps. I'm sorry. Okay. I know. Well, I felt yeah, bad. I'll I I'll was like, no. I'm sorry, Steven. that's alright. Yeah. Yeah. I'll have to definitely take that on board and do some number crunching and everything and Yes. Absolutely. figure out where I go from there. Yeah. No. Completely understandable. Yeah. Feel free to let me know if you do happen to have any questions there. I understand exactly where you're at, especially with, you know, building a house, and the cost of living is horrendously high. So I just wanted to show you the trauma recommendation, show you the other recommendations there, and then, yeah, it's up to you to decide what you're comfortable taking on board. This is valid for sixty days, and my team will touch base every so often to sort of see how you're going and if you have any questions there. So, I mean, the income protection is absolutely the most important thing because you are paying for that. We can't get that back, and that out of pocket policy, the income protection protects you if anything happens. So, you Yep. know, having part inside safe and some outside safe. But the other side of the income protection, the part you pay outside of safe is also a tax deduction for you, whereas the how sorry. The trauma policy, that doesn't give you any kind of tax benefit there. So Mhmm. No. that's kind of the major benefit of having income protection paid out of pocket and why I would definitely wanna keep that rather than the trauma side of it. But it also comes down to what you're comfortable with and what you guys can afford and and what your expenditure looks like there.","start_word":8003,"end_word":8335,"sentiment":"neutral","sentiment_score":0.06394576167201137},{"text":"So I'm happy to support any decision you have. And any questions at all, you're welcome to let me know.","start_word":8336,"end_word":8355,"sentiment":"positive","sentiment_score":0.6135044693946838},{"text":"Okay. Alright. I have one other question. Based Sure. on this recommendation, can you just tell me the total that would be coming out of my super without me digging through it all? Yeah. Absolutely. For the insurances? Yep. What what for the new recommended Yeah. one? Yes. 7,680 Is that what page I was looking at? dollars. It's on page 20 if you wanna have a look there to make it a bit easier for you.","start_word":8356,"end_word":8432,"sentiment":"neutral","sentiment_score":0.07750442624092102},{"text":"It's in a couple of places, but the the fee comparison table is good because it kinda outlays the cost there to make it easier for you.","start_word":8433,"end_word":8459,"sentiment":"positive","sentiment_score":0.3625306189060211},{"text":"You can sort of see that. Alright. What was that? That was page 20. 20. Yeah. Mhmm. I Alright. So if if we do the salary sacrifice for for 50 was it a week or fortnight? A little 50 per week. a Yes. wait. Is that gonna be enough to put back in what the insurance policy takes out? Alright. Not really. No. No. So we we could talk about increasing the salary sacrifice. I think the main reason we sort of looked at 50 to start with was to look at your comfort level because we're also looking at trauma and out of pocket expenses. So we could always start with this for the first sort of six months, look at how that's going, if you're comfortable with the change in expenditure, because salary sacrifice also reduced your your take home pay. Not as much. It's only a little bit. But then Yep. we can always increase it in increments if you're comfortable doing so.","start_word":8460,"end_word":8625,"sentiment":"neutral","sentiment_score":0.0758184692766293},{"text":"I tend to take that approach with most of my clients because if we start with a bigger lump sum, it's great because you get a bigger tax effect and more money goes into the super, but you can't then pull it back out if you find you need the money.","start_word":8626,"end_word":8676,"sentiment":"positive","sentiment_score":0.34796252846717834},{"text":"So Yeah. it is best Yeah. to start smaller, get comfortable, and then we increase that in increments as as you're comfortable doing so as you find your expenditure isn't as affected. Does that make sense? Yeah. Yep. Okay. Yeah. So that $220.22 is gonna be plus 59 plus 430. And what is that right? 50 per week. 50. Right. That's not right, Steven. Did you wanna say it out loud? It'll I be can about help you. 200 Sorry. and $15. Yeah. So 50 times 4.3, that's roughly $215 extra per month on top of that for salary sacrifice per month. Is it how much is going in? Yeah. If we go on the recommendation of $50 a week, $50 a week, that works Yep. out to It's 2,600 per year. sorry. I'm sorry. What was that? 2,600 PE? Yep. It's about $200 per month if on a four week month. Yeah. Yeah. Okay. Yeah. That's 217, roughly, per month Yeah. based on the 4.3, whatever Yeah. it is. Yeah. That's what I was trying to figure out. The weeks that have a little fewer after days. Yeah. Absolutely. Yeah. No. I get paid No. fortnightly. I under So yeah. Yeah. My brain's Yep. crossing between week to four to Okay. month. So No. it's That's okay. And, look, you've probably had a long week as well, and I'm doing this. It's probably dinner time for you, so I'm so sorry. It's probably a lot. It's yeah. No. okay. No. No. No. No. No. No. That's fine. No.","start_word":8677,"end_word":8935,"sentiment":"neutral","sentiment_score":0.01263453161279207},{"text":"Let's just say this last week has been horrendous and traumatic, and workload is phenomenal.","start_word":8936,"end_word":8950,"sentiment":"negative","sentiment_score":-0.483754426240921},{"text":"But Okay. I'm so sorry. I'm no. That's alright. No.","start_word":8951,"end_word":8960,"sentiment":"neutral","sentiment_score":-0.15381458401679993},{"text":"Unfortunately, Friday last week, so my grandmother passed away, so we've been dealing with that and everything as well.","start_word":8961,"end_word":8979,"sentiment":"negative","sentiment_score":-0.39203810691833496},{"text":"So that's why I sorry. where where I was this afternoon, I was like, can I just call you back at all? Can you call me back in ten? Because I Yeah. was just Yeah. finalizing that conversation Absolutely. with someone. So No. I'm but so, so sorry to hear that.","start_word":8980,"end_word":9030,"sentiment":"neutral","sentiment_score":-0.12340451776981354},{"text":"It's a it's a big thing to go through, and you're going through a lot.","start_word":9031,"end_word":9045,"sentiment":"negative","sentiment_score":-0.33574214577674866},{"text":"So I absolutely understand. So take some time, read it through. Yes. If you need to put it off for a little while, that's okay. Please take your time. Let me know if there's anything you need. In my world, there is no such thing as a silly question. If it's something that you wanna know, you pop it down, and I will happily answer it for you. Okay? Okay. I'm sorry. I'll I'll have to Beautiful. get through everything because, yeah, as Yes. I said, my It's brain is a lot. like my brain is I don't Yes. know what No.","start_word":9046,"end_word":9147,"sentiment":"neutral","sentiment_score":-0.007914799265563488},{"text":"my brain is at the moment.","start_word":9148,"end_word":9153,"sentiment":"negative","sentiment_score":-0.3421141803264618},{"text":"It's half left, No. half right, and half in between, and half non existent. So that's him. Yeah. No. I I absolutely understand.","start_word":9154,"end_word":9176,"sentiment":"neutral","sentiment_score":-0.1693819910287857},{"text":"That is not a problem at all.","start_word":9177,"end_word":9183,"sentiment":"positive","sentiment_score":0.46786394715309143},{"text":"Just to let you know, I am taking a little bit of leave after next week, so I will be away from the September 11 until the twenty eighth. So if you do need anything in that point in time, my team will book you in around that. But, yeah, Uh-huh. just take some time. If you need anything next week, let me know.","start_word":9184,"end_word":9247,"sentiment":"neutral","sentiment_score":0.05115155503153801},{"text":"I'll happily take time to answer questions and help you out.","start_word":9248,"end_word":9258,"sentiment":"positive","sentiment_score":0.6476042866706848},{"text":"And then, yeah, I'll be back after the twenty eighth, then I'll, yeah, be there to, Yeah. you know, ask answer any additional questions you have. I will send you an email as well. That way, you've got my email there because periodically through my holidays, I do check my emails. Otherwise, they bank up.","start_word":9259,"end_word":9313,"sentiment":"neutral","sentiment_score":0.25174787640571594},{"text":"So if there is something that you need, you're welcome to email me.","start_word":9314,"end_word":9326,"sentiment":"positive","sentiment_score":0.345403254032135},{"text":"And as I check my emails periodically through my leave, I can Mhmm. answer the questions for you as well. Okay. Okay. All. I don't expect you to do that. You're on holidays.","start_word":9327,"end_word":9359,"sentiment":"neutral","sentiment_score":0.08397329598665237},{"text":"Enjoy your holidays.","start_word":9360,"end_word":9362,"sentiment":"positive","sentiment_score":0.3809395432472229},{"text":"Yeah. No. If anything, Honestly, I'll I I you're I'll probably right. create I'll probably create a draft or something, and then when I know that well, I know your holiday dates because you've just told me them. So, yeah, I'll probably send it after Yeah. once I come to That's you. But okay.","start_word":9363,"end_word":9416,"sentiment":"neutral","sentiment_score":0.011807638220489023},{"text":"all all the recommendations and everything, I'm I'm happy with.","start_word":9417,"end_word":9426,"sentiment":"positive","sentiment_score":0.5651695728302002},{"text":"The insurance is all Yep. have to review Think about Yep. and definitely think about that because, yeah, Absolutely. between rent and a mortgage and extra bills and everything else, And as you said, the cost of living, you know, they have all have to sit down and crunch the numbers on that. Yeah. Absolutely.","start_word":9427,"end_word":9481,"sentiment":"neutral","sentiment_score":-0.07824170589447021},{"text":"I still do like the is it just the trauma that you're sort of thinking is concerning you the cost of the trauma, or is there anything else insurance wise that's really kind of gnawing at you a little bit? Look. A bit of well, trauma definitely because that is a big chunk of money.","start_word":9482,"end_word":9536,"sentiment":"negative","sentiment_score":-0.4996428191661834},{"text":"Mhmm. But, understandably, it's also in the event that that does occur that, you know, that's a lump sum payment of Yep. two years worth of wages. If something were to happen, that is covered under that. So I I I understand that.","start_word":9537,"end_word":9579,"sentiment":"neutral","sentiment_score":0.03054284945476887},{"text":"Yeah. If their loadings come in better than than what has been quoted on here, that would be awesome.","start_word":9580,"end_word":9598,"sentiment":"positive","sentiment_score":0.5605728030204773},{"text":"Yeah. Yeah. But, I mean, I can't like, I know that you can't guarantee that that that comes down to the underwriters. Yeah. Yeah. So, yeah, that that's gonna be a big thing.","start_word":9599,"end_word":9631,"sentiment":"neutral","sentiment_score":-0.2194928079843521},{"text":"The other thing that well, the other side that's gnawing at me is, like, even with me salary sacrificing into it, I'm still taking more out than what's coming in.","start_word":9632,"end_word":9661,"sentiment":"negative","sentiment_score":-0.4238395094871521},{"text":"So, you know, the yeah. I feel like that's biting into it and that the fund is relying on good performance out of the recommendations for where funds are invested, Yes. if that makes sense. Correct. Yeah. I Yeah. think that's The where insurance my brain premiums is. are very much yeah. The insurance premiums are very much a lot, and it is eating a lot of new contributions, so that does have an effect on it. The main thing with the transfer so the in order to transfer the policy, and this is kind of what we went through last time, in order to transfer the policy from Asgard to hub twenty four, they actually have to transfer the life and pay period either at the same level of cover or have a higher life policy. So we either have to bring the life policy up to where your TPD is, and I could always get a quote sent through to you to show you if we just increase the life to the level of TBD, what that might Mhmm. look like in case you're comfortable with just maybe increasing to that level. That way, we can still transfer the policy and consolidate your funds to make everything work a bit better, Yeah. or we have to bring the TBD down.","start_word":9662,"end_word":9883,"sentiment":"neutral","sentiment_score":0.003602533368393779},{"text":"And that was definitely something we talked about in the past that you were not comfortable with reducing the TBD back in any way. So especially with this mortgage now hanging over your head.","start_word":9884,"end_word":9917,"sentiment":"negative","sentiment_score":-0.3578600287437439},{"text":"So we do have to kinda do something with the life to bring it up to at least the level of if it is transferred. But in Yep. saying that, what we could always do is when we go through underwriting, we can always go through the underwriting. They never put the policy in full until they come back with terms. So we could always go through the underwriting process, have it underwritten with everything that's being recommended, and then when they come back with the terms and they've completed it and they come back and tell us what they're gonna offer as the Yep. final offer, then you always get the option to say, hey. No. I don't want that level. Let's reduce it. Or, no. I've decided not to take the trauma cover. Thanks, but no. Thanks. So you don't Yeah. have to even when you get to that point, you don't have to accept the cover. You can alter it, but it means they underwrite the policy anyway. We make them do the work regardless Mhmm. of whether you're gonna take that policy or not. So it's just another kind of option for you there.","start_word":9918,"end_word":10115,"sentiment":"neutral","sentiment_score":0.04738117381930351},{"text":"I'm happy I think to that'd go with probably be whatever the better you way.","start_word":10116,"end_word":10130,"sentiment":"positive","sentiment_score":0.432621568441391},{"text":"decide. Yeah. Yeah. Yep. Yeah. Yep. Because I And do then think if that'd we're probably touching base be the every better way. six months. Yep.","start_word":10131,"end_word":10156,"sentiment":"neutral","sentiment_score":0.14594772458076477},{"text":"Yeah. Perfect. Perfect.","start_word":10157,"end_word":10159,"sentiment":"positive","sentiment_score":0.5086908340454102},{"text":"And then every six months, we can review what's happening and look at what's happening with your expenses and maybe increase contributions incrementally along with your comfort level.","start_word":10160,"end_word":10187,"sentiment":"neutral","sentiment_score":0.2720573842525482},{"text":"If you've got a nice chunk of savings end of financial year, we can also look at making a nice big deductible contribution into super, take advantage of putting more money in, and maybe give you a bit of a tax deduction there Mhmm.","start_word":10188,"end_word":10231,"sentiment":"positive","sentiment_score":0.3865988552570343},{"text":"as well.","start_word":10232,"end_word":10233,"sentiment":"neutral","sentiment_score":0.20428818464279175},{"text":"So there's definitely other things that we can do. I just wanted to start with your comfort level, show you what this looks like, and be as honest and open as possible with you.","start_word":10234,"end_word":10267,"sentiment":"positive","sentiment_score":0.4473139941692352},{"text":"Let Yep. you Yep. see it, read it, take take it all in, and then Mhmm.","start_word":10268,"end_word":10283,"sentiment":"neutral","sentiment_score":0.2596866488456726},{"text":"we kinda build on there for you.","start_word":10284,"end_word":10290,"sentiment":"positive","sentiment_score":0.4202294945716858},{"text":"So there's lots of other things that we can do, lots of other places that we can start. I just didn't wanna overwhelm you by going too far into it. I felt like this was probably overwhelming enough. So then we kinda build on that from there if that Yeah. Yeah. No. That's makes good. sense. Yeah. Yeah. Because there is definitely a lot of information. There is, and I'm so so sorry. No. That's well, information the, well, the more information you have, the the more informed you are, but also The better. the more Yeah. overwhelmed you become at the same time. So, you know, it's double its blade. What Absolutely. do you do? Absolutely. Absolutely. No. I completely understand. So no. Look. Yeah.","start_word":10291,"end_word":10416,"sentiment":"neutral","sentiment_score":-0.02647554501891136},{"text":"Thank you so much. I will let you go so you can go and have dinner, take some time, and read it over.","start_word":10417,"end_word":10439,"sentiment":"positive","sentiment_score":0.40865325927734375},{"text":"I'll send you an email shortly so you've got my email there as well. And then any questions you have, just let me know, and we can kinda go from there for you. Okay? Mhmm. Alright. No. That's that sounds good. But, Beautiful. yeah, as I said, in regards to the insurance, because Thank I think you. that would probably be the way that I go do go through the underwriting. Yep. That way we know exactly Yep. where we are because as you said, like, Yep. what what's being quoted here is quite the maximum Mhmm. that that they can potentially Mhmm. do unless they find anything untoward that hasn't been disclosed, etcetera. And then Yep. from there, hopefully, they'd be nice and and and not take the top loading and see where we Yeah. come at. Yeah. Absolutely. Absolutely. And then, Yeah. yeah, No. we'll be I a bit I more definitely informed. agree. And for the money that Yep. they charge everybody at the end of the day, make them do the work for a change.","start_word":10440,"end_word":10618,"sentiment":"neutral","sentiment_score":0.08234818279743195},{"text":"Absolutely. That's exactly right. I like it.","start_word":10619,"end_word":10625,"sentiment":"positive","sentiment_score":0.531289279460907},{"text":"That's where I'm thinking at the moment. But, yeah, I'll as I said, I'll Yes. I'll review everything. If I come up with anything else, Yep. Yes. I will do I I will reach out. Yep. But, yeah, I'll, like, I'll create a draft of my questions, etcetera, especially, Yep. like like, they're saying it probably won't get to you before you leave holidays based That's on everything else okay. that's going on at the moment. But, yeah, once you're back, then I can either organize the time to come in and see you and go through everything, or we can organize the phone call or do whatever. Get from there. Yeah.","start_word":10626,"end_word":10737,"sentiment":"neutral","sentiment_score":0.07178158286426749},{"text":"Perfect. Not a problem at all. I like it. Thank you so Alright. much for your time this afternoon. I Likewise. hope you Thank have a you. good weekend.","start_word":10738,"end_word":10766,"sentiment":"positive","sentiment_score":0.651433527469635},{"text":"No.","start_word":10767,"end_word":10767,"sentiment":"neutral","sentiment_score":0.20321188867092133},{"text":"Oh. My pleasure. Thank you for letting me put this together. I actually really enjoyed it, so it's been really fun. Yes. I look forward to helping you reach your goals and move forward and build on this and, yeah, get you super working harder. That's the most important thing.","start_word":10768,"end_word":10817,"sentiment":"positive","sentiment_score":0.7866681218147278},{"text":"You work Yep. too hard to not enjoy your retirement.","start_word":10818,"end_word":10827,"sentiment":"neutral","sentiment_score":0.2213236838579178},{"text":"So it's a Great. bit of a pet love of mine to make sure everyone gets their retirement and enjoys their retirement years. So we will get there. Sounds good. Alright. Well, thank you again for everything, and I'll let you go home. My pleasure. No worries. Thanks, Steven. You have a good night.","start_word":10828,"end_word":10881,"sentiment":"positive","sentiment_score":0.5973891019821167},{"text":"I'll talk to you soon. Yep. You too.","start_word":10882,"end_word":10889,"sentiment":"neutral","sentiment_score":0.25815439224243164},{"text":"Thanks. Thanks. See you later.","start_word":10890,"end_word":10894,"sentiment":"positive","sentiment_score":0.4530799090862274},{"text":"Bye. Bye.","start_word":10895,"end_word":10896,"sentiment":"neutral","sentiment_score":0.17750418186187744}],"average":{"sentiment":"neutral","sentiment_score":0.07480257536181466}}}}