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Now, Kayla, before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yep. Perfect. And just to confirm I am speaking with the right person, could I just get you to confirm your full name, date of birth, and address for me, please? Yep. Perfect. That's exactly what I have here. How's your day been? Been busy? Oh, really? At the end, on your way on your way home now or on your way through another job or anything? Okay. Busy. Busy. Well, if you're happy for me to run through the document while you are on the phone, I can make it a click for you and just go through the most important parts. And then, obviously, when you have a bit more time and you can actually look at the document, please have a read through it. And if you then have any other questions or anything like that, you can always give me a callback, and we can go through it. Is that okay? Yes. Perfect. So I have to send you an email with the document. So like I said, when you have a moment later, and it's obviously safe to do so, jump on the email for me. Now you will see before you click on the link where it says sign now, you will see a couple of attachments. Now this is just for your reference. So all the research materials and everything has been attached there for you as well as the supporting product disclosure statements. So basically everything that you need to know about anything I have recommended today, essentially. Otherwise, when you do click on the link process sign now, it will actually allow you to open up the documents first to have a look at it before it prompts you to sign anything. So that is the documents I'm kind of running through with you today. Now when you have a have a look at it, like I said, it is quite long. A lot of it is compliant, so I'll try to make it as brief as I can for you. You will see in the document, though, you will see on the cover page my details that you will have my authorized representative number listed, and I am licensed under OQ Financial. Otherwise, every time we do make a recommendation on financial products or give you personalized advice, we do have to put everything in this statement of advice for you so that you are fully aware everything And all the recommendations and everything that we do have to follow that best interest duty, which basically just means that we have to act in your best interest at all time, and the advice itself has to put you in a better position as a result of the advice. Otherwise, we can't actually make the recommendation. Does that make sense? Yeah. Perfect. Now it is pretty straightforward today. Sorry. What what we are kind of looking at so the two different strategies we're looking at today is your different strategies we're looking at today is your superannuation first, see if we can get everything consolidated for you so that you only have the one super fund open and make it nice and easy. Also reviewing some of your investments to kinda change some around reviewing the SMA and see if that was going to be a good option for you. And then the other strategy is your insurances. Trying to get that sorted for you, especially that income protection and PCD insurance to make sure that you do have that cover in place if something were to happen. Do you kind of remember that conversation? Yeah. Yeah. Yeah. Yeah. Yes. Okay. Okay. Yep. Yeah. Yeah. Okay. Okay. Yeah. And that's totally fine. So so what I'll do is I will get the team to send those form out to you. Because you are making a legal nomination, you have to complete them and get them website. Now do you have access to a printer at all? Because if not, I No. No. Yeah. Of course. I will get that, yeah, I will get the team to express post that for you just to make sure, obviously, we get everything sorted. You can upload those documents definitely to be 50% your partner and 25% through your partner. And you're happy for that through, obviously, the email posted to that five heat courts. Yeah. Perfect. We will get that express posted probably tomorrow, because it's kind of the the process been for today. But I'll get the team to express post those for you tomorrow, and we'll get that all sorted. And now with the superannuation side of it, so I have made a recommendation. Now I did research your superannuation as well. Just making sure if hub twenty four was still going to be the best option or if there were any other competitive options out there for you. And when doing all the research, hub twenty four still very much came out as a really competitive option. So I have recommended that you stay in hub twenty four. It's quite competitive when it comes to, you know, the fees and features and all the investment choices. So it's still very much competitive. I use Hub twenty four for my personal super as well, but not really making any changes through the platform itself. Now I did look at the SMA to see if that was going to be a good fit for you when it comes to, obviously, fees and returns and everything like that. And that gives us that flexibility with investment choices that we can very quickly, if need be, especially when the market has been a little bit up and down the last twelve months, make quickly those investment changes for you in the back end without kind of having to go through this process. So when I did kind of review everything, so all the other options for you, the the SMA was actually really suitable for you. So I have recommended that we change you to the SMA. Now it's still within Hub 24, and we would do all the changes in the back end. For, yeah, for you, how it changes things is when you have a moment, it's everything is basically outlined on page 19. So you will see a bit of a table with all the numbers and figures and everything. And this shows everything very well that by actually making the switch to the SMA, what we can do is we can actually change the product menu that you are on with hub twenty four. And we can change it to a slightly cheaper one, which is good. So you will save about a $180 a year in admin fees alone. So that's really good. And in the investment fees, the the SMA is a little bit cheaper than your current portfolio as well. So you are saving about $230 a year in investment fees as well. So it is kind of reducing the cost a little bit for you as well as obviously streamlining that process. Now when it comes to the returns on the investment as well. So your current portfolio, and I've used kind of f five via rolling average time frame to doing the projections to give us a little bit more certainty of what's kind of happened in the market. Now there's obviously no guarantees with the market and the returns because anything can happen, but that is why we use a five year time frame because it does give us a little bit more certainty of the market and the portfolio as well. Does that make sense? Yep. Perfect. So, basically, your car. Yeah. Okay. Okay. Okay. Yeah. Okay. If it happens, I'll just stay put if I lose you. Yeah. Perfect. Now your current portfolio, otherwise, Caleb, has performed on that five year average per year about 8.18%. And the SMA has done about 11.14%. So it's about a 3.96 better than your current portfolio, which does make a pretty big difference as well as it being cheaper for you. Now I have kind of projected that forward for about five and ten years to show you. And in a five year time frame, it's about 11,964 thousand difference, which is pretty good, and this also includes your new insurance policy. So factoring in that the insurances will come out. So so that's a pretty good outcome from your superannuation. Now I do wanna mention that when we are making changes to your investment, there will be some capital gains tax on the earnings from your investment. Now we're trying to minimize that as much as possible for you. And by making the switch to the SMA, it's only around $578. So it's not too bad, and it's just tax that will come out of your superannuation. Does that make sense? Yeah. Perfect. But because you're kind of saving about $414 a year in fees alone, very quickly, you can obviously, make up the the the tax that will come out and also the outperformance. So kind of yep. Yes. Yes. Yes. Exactly. And when I kind of run the numbers of, you know, you gave me a really good detailed breakdown last time about, the the rates and everything like that. And on a yearly basis after tax from your employer now, it will be about 4,464, which does make a pretty big difference, like you said. Yeah. Now when it comes to the super recommendation as well, everything that I've kind of gone over with you is also outlined in words in a strategy format for you. So take your time. Have a read over it. It explains a bit more in-depth the reasoning behind everything as well. It outlines kind of all the advantages in regards to the recommendation, which I've touched on. Also, some disadvantage, which is mainly that capital gains tax for you. But also some risks to be mindful of is that there's always a level of risk associated with any investment. But the really good thing with the SMA structure is that we can very quickly manage and make those changes for you if need be. And, obviously, joining with BlackRock, we have access to all of that research and everything for you. So, basically, moving forward, if we need to make any changes to your portfolio, we can very quickly make that in the back end without having to go through this process. We can still obviously notify you of the changes. And when you do log in through your Hub twenty four account, you will see a breakdown of the estimate. So there's a a split of two different portfolios, and it's 70% into one and thirty into the other. Reason being is that we wanna keep you around that growth portfolio. So we'd not wanna make any changes to your risk tolerance or anything like that. Still keeping you within your risk of a growth investor, which is very suitable for you and kind of aligns with your risk tolerance and time frame. And that breakdown basically gives us that 20% to your asset allocation, which you will also see in a table format. So when you do go into Hub 24, if you click on the the headings of the SMA, it will actually still show you all the underlying investment in the back end. So you can still see them when you do log in to your account. Does that make sense? Do you have any questions before I kind of move on through your insurances? No. Yes. Exactly. And then if you have any questions, you can always give me a callback or send me an email, or we can book book up another little follow-up to see what your thoughts and everything is when you have a bit more time. But with your insurances, sorry. Has any of your goals or anything changed in terms of how much coverage you want, or is still about no. That's still they're still about the same? Yeah. Yeah. And it yeah. And it's still a decent amount. So what we are looking at is 625,000 worth of life and total permanent disability. So that would obviously pay out a big chunk of any debt that's outstanding. It will cover your income for a couple of years as well if something obviously were to happen to you. So I have recommended one pass again for you. So I know you currently have a live policy with them, but I have recommended to cancel that one and apply for another one. The reason being is that the way that I have it structured is to try to make it as affordable for you when it comes to price. So I have your life and total permanent disability linked together under one policy. What that means is that if you were to claim on TPD, it will cancel your life policy. But what I have added in is a buyback option, which is that after twelve months, your life cover will be reinstated for you. So it just means there's a little bit more affordable at having it structured this way. Does that make sense? Yep. Perfect. And I have also been able to add an income protection policy for you. Now it was a little bit tricky to see how much I could cover you for based on, obviously, your your two jobs and being the self employed and stuff like that. So the good thing is that now that you are working under someone, I can cover that income, which is good because that is a little bit higher for you and a bit more consistent. Yeah. Yes. Yes. Yes. And, also, it's also it's also if any illness happens. So income protection is not restricted to if you're just at work. It's if anything were to happen. So if you have any illnesses or injuries or anything Yes. Yeah. Ex exactly. Yeah. 100%. And that's exactly like, if you or if you're in a car accident or, you know, you take up a snowboarding or skydiving or whatever it might be and something woulda happened and you break your leg, You never know. But, basically, that's that's exactly right. So anything any illness or injuries or anything that happens that prevents you from working, that's when the income protection would come in. So with the income protection, I've been able to do a monthly benefit of about 2,552. That would obviously give you a little bit of an income. It can't cover everything, but it still gives you a bit of an income as a buffer if something were to happen. Yeah. Now the good thing with OnePath as well is that I have done the thirty day waiting period, so the lower end. And I know as well that having another thirty days in arrears is important to you because, obviously, waiting sixty days is is quite long. So the good thing with OnePath is that only OnePath and another provider, Zurich, offers this, everyone else does the thirty days, is that they actually only pay fifteen days in arrears. So that means that instead of waiting sixty days, you wait forty five days. And there's no additional charge. It's just kind of built in as a benefit. So that is a really good thing. And with OnePath as well, most insurers only do two years, five years, or age 65, but one path actually does six years. So you basically get another year for for it, which is great. So I've been able to cover you for for six years if something were to happen, which which is good. And a feature of the income protection as well is that if you are unable to work, it will still continue to pay contributions while you are on claim into super for you, which is good. Now all of these three policies together, you do get a 15% tax rebate. And after that's been taken out, the total premium is 1,676 for all three per year. Correct. Which, yeah, which is not too bad, and that was factored in through, you know, all the math and everything as well. It's all factored in there for you. Now how do insurance work as well is that each year, as you get older, the insurances will become more expensive. So it is important to keep reviewing them because your needs might change. You might not have as much debt eventually. And the closer you get to retirement, you might not need as much cover. So it is something that at every annual review time, we do assess with you to see if we need to make any changes, which is, you know, nice and easy. It's not a set and forget thing for you. So it is important. But at least in the meantime, you will do have, you know, pretty good idiot protection in place if something were to happen to you. Yep. Yeah. Exactly. Both for you and your family, you know, if something were to happen. Now, basically, everything I've just gone over with the insurances, again, is all outlining words and everything in the SOA for you so you can kind of have a read over it when you have a moment. The last thing I do wanna mention before I let you go, Caleb, is just in regards to the remuneration. So if you are happy to go ahead with the recommendations, they're obviously changing everything for you in Hub twenty four, moving you to to that SMA, and changing your investments and applying for insurances, there is no additional fees and charges for you. So the advice fee stays exactly the same at 1.65% from Super. So no changes or anything. All of this is that we've done. It's just part of our ongoing service for you. The last thing I do wanna mention is that with insurances, we do get commission. So we get 66% of the premium upfront, 23% ongoing. Now that is the insurer paying us, though. It is not you paying us. But for compliances and to make sure that you are fully fully aware of everything, any commissions we receive, we have to disclose so that you are aware of them. But, again, it is the insurer paying us. It is not you, and it's the same for every single insurer out there. So it does not pay us in any way to recommend one provider over the other. Does that make sense? Yeah. Great. Perfect. Now that was basically most of the recommendation for you. Do you have any questions otherwise for me at this point? I know it's a little bit tricky if you can't see it, but does it kind of make sense? Yeah. Yeah. Perfect. So, basically, from here, Caleb, is obviously when you have a moment, have a read through the document. If you have any questions when you read through it and you wanna have another catch up, just let me know, and I can always book you in for another discussion to go over any questions that you have. If you do have a read over it and it all makes sense and you are happy with the recommendation, the step from here would then be to sign the documents, and you can do that by clicking on the link where it says sign out. It will ask you to add your signature and a date. There is also a text box where if you do wanna make any changes to any of the recommendations, you can actually type it out. Or if there's no changes, you can just do NA or full stop. And then once it kind of loaded, it'll come back to me, and that tells me that you are happy to go ahead. And I will let the team know, and we can then start the rest of the process. So I will leave that with you to obviously have a bit of a read over it. Let me know everything, and I will let the team know to get those beneficiary forms expressed posted to you as well. Yep. Yes. Correct. So, yeah, it's a very good question. It is two forms. So one will be for your superannuation. One will be for your insurance. The only thing is because you because your one pass isn't enforced yet, I won't be able to issue those documents for your life insurance and TPD insurance just because it's not we haven't applied for it yet. Yeah. Correct. We can still send you out the hub 24, though. And then if you're obviously happy with your one part insurance, as soon as we've applied for it, we can then send you those forms, and that is a separate nomination. So what you can do if you want, some people do the same split across both, some do different, some through one person for super, another for insurance because it is different. So you basically get get it through. Yeah. Yes. Yes. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. You can definitely yeah. Perfect. I'll get the team to express post those tomorrow for you. If there's anything else that you do need, though, at any point in time, don't hesitate to give me a call or or send me an email. Okay? No problem at all, Caleb. I hope you enjoy the rest of your afternoon, and I look forward to speaking with you soon again. Thank you so much. We'll speak soon. Okay. 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afternoon. Is this Caleb? This is Veronica from Financial. How are you? Sure.\n\nYeah. Sure. Take your time. Yes. Can you hear me okay?\n\nPerfect. Now, Kayla, before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yep. Perfect. And just to confirm I am speaking with the right person, could I just get you to confirm your full name, date of birth, and address for me, please?\n\nYep. Perfect. That's exactly what I have here. How's your day been? Been busy?\n\nOh, really? At the end, on your way on your way home now or on your way through another job or anything? Okay. Busy. Busy.\n\nWell, if you're happy for me to run through the document while you are on the phone, I can make it a click for you and just go through the most important parts. And then, obviously, when you have a bit more time and you can actually look at the document, please have a read through it. And if you then have any other questions or anything like that, you can always give me a callback, and we can go through it. Is that okay? Yes.\n\nPerfect. So I have to send you an email with the document. So like I said, when you have a moment later, and it's obviously safe to do so, jump on the email for me. Now you will see before you click on the link where it says sign now, you will see a couple of attachments. Now this is just for your reference.\n\nSo all the research materials and everything has been attached there for you as well as the supporting product disclosure statements. So basically everything that you need to know about anything I have recommended today, essentially. Otherwise, when you do click on the link process sign now, it will actually allow you to open up the documents first to have a look at it before it prompts you to sign anything. So that is the documents I'm kind of running through with you today. Now when you have a have a look at it, like I said, it is quite long.\n\nA lot of it is compliant, so I'll try to make it as brief as I can for you. You will see in the document, though, you will see on the cover page my details that you will have my authorized representative number listed, and I am licensed under OQ Financial. Otherwise, every time we do make a recommendation on financial products or give you personalized advice, we do have to put everything in this statement of advice for you so that you are fully aware everything And all the recommendations and everything that we do have to follow that best interest duty, which basically just means that we have to act in your best interest at all time, and the advice itself has to put you in a better position as a result of the advice. Otherwise, we can't actually make the recommendation. Does that make sense?\n\nYeah. Perfect. Now it is pretty straightforward today. Sorry. What what we are kind of looking at so the two different strategies we're looking at today is your different strategies we're looking at today is your superannuation first, see if we can get everything consolidated for you so that you only have the one super fund open and make it nice and easy.\n\nAlso reviewing some of your investments to kinda change some around reviewing the SMA and see if that was going to be a good option for you. And then the other strategy is your insurances. Trying to get that sorted for you, especially that income protection and PCD insurance to make sure that you do have that cover in place if something were to happen. Do you kind of remember that conversation? Yeah.\n\nYeah. Yeah. Yeah. Yes. Okay.\n\nOkay. Yep. Yeah. Yeah. Okay.\n\nOkay. Yeah. And that's totally fine. So so what I'll do is I will get the team to send those form out to you. Because you are making a legal nomination, you have to complete them and get them website.\n\nNow do you have access to a printer at all? Because if not, I No. No. Yeah. Of course.\n\nI will get that, yeah, I will get the team to express post that for you just to make sure, obviously, we get everything sorted. You can upload those documents definitely to be 50% your partner and 25% through your partner. And you're happy for that through, obviously, the email posted to that five heat courts. Yeah. Perfect.\n\nWe will get that express posted probably tomorrow, because it's kind of the the process been for today. But I'll get the team to express post those for you tomorrow, and we'll get that all sorted. And now with the superannuation side of it, so I have made a recommendation. Now I did research your superannuation as well. Just making sure if hub twenty four was still going to be the best option or if there were any other competitive options out there for you.\n\nAnd when doing all the research, hub twenty four still very much came out as a really competitive option. So I have recommended that you stay in hub twenty four. It's quite competitive when it comes to, you know, the fees and features and all the investment choices. So it's still very much competitive. I use Hub twenty four for my personal super as well, but not really making any changes through the platform itself.\n\nNow I did look at the SMA to see if that was going to be a good fit for you when it comes to, obviously, fees and returns and everything like that. And that gives us that flexibility with investment choices that we can very quickly, if need be, especially when the market has been a little bit up and down the last twelve months, make quickly those investment changes for you in the back end without kind of having to go through this process. So when I did kind of review everything, so all the other options for you, the the SMA was actually really suitable for you. So I have recommended that we change you to the SMA. Now it's still within Hub 24, and we would do all the changes in the back end.\n\nFor, yeah, for you, how it changes things is when you have a moment, it's everything is basically outlined on page 19. So you will see a bit of a table with all the numbers and figures and everything. And this shows everything very well that by actually making the switch to the SMA, what we can do is we can actually change the product menu that you are on with hub twenty four. And we can change it to a slightly cheaper one, which is good. So you will save about a $180 a year in admin fees alone.\n\nSo that's really good. And in the investment fees, the the SMA is a little bit cheaper than your current portfolio as well. So you are saving about $230 a year in investment fees as well. So it is kind of reducing the cost a little bit for you as well as obviously streamlining that process. Now when it comes to the returns on the investment as well.\n\nSo your current portfolio, and I've used kind of f five via rolling average time frame to doing the projections to give us a little bit more certainty of what's kind of happened in the market. Now there's obviously no guarantees with the market and the returns because anything can happen, but that is why we use a five year time frame because it does give us a little bit more certainty of the market and the portfolio as well. Does that make sense? Yep. Perfect.\n\nSo, basically, your car. Yeah. Okay. Okay. Okay.\n\nYeah. Okay. If it happens, I'll just stay put if I lose you. Yeah. Perfect.\n\nNow your current portfolio, otherwise, Caleb, has performed on that five year average per year about 8.18%. And the SMA has done about 11.14%. So it's about a 3.96 better than your current portfolio, which does make a pretty big difference as well as it being cheaper for you. Now I have kind of projected that forward for about five and ten years to show you. And in a five year time frame, it's about 11,964 thousand difference, which is pretty good, and this also includes your new insurance policy.\n\nSo factoring in that the insurances will come out. So so that's a pretty good outcome from your superannuation. Now I do wanna mention that when we are making changes to your investment, there will be some capital gains tax on the earnings from your investment. Now we're trying to minimize that as much as possible for you. And by making the switch to the SMA, it's only around $578.\n\nSo it's not too bad, and it's just tax that will come out of your superannuation. Does that make sense? Yeah. Perfect. But because you're kind of saving about $414 a year in fees alone, very quickly, you can obviously, make up the the the tax that will come out and also the outperformance.\n\nSo kind of yep. Yes. Yes. Yes. Exactly.\n\nAnd when I kind of run the numbers of, you know, you gave me a really good detailed breakdown last time about, the the rates and everything like that. And on a yearly basis after tax from your employer now, it will be about 4,464, which does make a pretty big difference, like you said. Yeah. Now when it comes to the super recommendation as well, everything that I've kind of gone over with you is also outlined in words in a strategy format for you. So take your time.\n\nHave a read over it. It explains a bit more in-depth the reasoning behind everything as well. It outlines kind of all the advantages in regards to the recommendation, which I've touched on. Also, some disadvantage, which is mainly that capital gains tax for you. But also some risks to be mindful of is that there's always a level of risk associated with any investment.\n\nBut the really good thing with the SMA structure is that we can very quickly manage and make those changes for you if need be. And, obviously, joining with BlackRock, we have access to all of that research and everything for you. So, basically, moving forward, if we need to make any changes to your portfolio, we can very quickly make that in the back end without having to go through this process. We can still obviously notify you of the changes. And when you do log in through your Hub twenty four account, you will see a breakdown of the estimate.\n\nSo there's a a split of two different portfolios, and it's 70% into one and thirty into the other. Reason being is that we wanna keep you around that growth portfolio. So we'd not wanna make any changes to your risk tolerance or anything like that. Still keeping you within your risk of a growth investor, which is very suitable for you and kind of aligns with your risk tolerance and time frame. And that breakdown basically gives us that 20% to your asset allocation, which you will also see in a table format.\n\nSo when you do go into Hub 24, if you click on the the headings of the SMA, it will actually still show you all the underlying investment in the back end. So you can still see them when you do log in to your account. Does that make sense? Do you have any questions before I kind of move on through your insurances? No.\n\nYes. Exactly. And then if you have any questions, you can always give me a callback or send me an email, or we can book book up another little follow-up to see what your thoughts and everything is when you have a bit more time. But with your insurances, sorry. Has any of your goals or anything changed in terms of how much coverage you want, or is still about no.\n\nThat's still they're still about the same? Yeah. Yeah. And it yeah. And it's still a decent amount.\n\nSo what we are looking at is 625,000 worth of life and total permanent disability. So that would obviously pay out a big chunk of any debt that's outstanding. It will cover your income for a couple of years as well if something obviously were to happen to you. So I have recommended one pass again for you. So I know you currently have a live policy with them, but I have recommended to cancel that one and apply for another one.\n\nThe reason being is that the way that I have it structured is to try to make it as affordable for you when it comes to price. So I have your life and total permanent disability linked together under one policy. What that means is that if you were to claim on TPD, it will cancel your life policy. But what I have added in is a buyback option, which is that after twelve months, your life cover will be reinstated for you. So it just means there's a little bit more affordable at having it structured this way.\n\nDoes that make sense? Yep. Perfect. And I have also been able to add an income protection policy for you. Now it was a little bit tricky to see how much I could cover you for based on, obviously, your your two jobs and being the self employed and stuff like that.\n\nSo the good thing is that now that you are working under someone, I can cover that income, which is good because that is a little bit higher for you and a bit more consistent. Yeah. Yes. Yes. Yes.\n\nAnd, also, it's also it's also if any illness happens. So income protection is not restricted to if you're just at work. It's if anything were to happen. So if you have any illnesses or injuries or anything Yes. Yeah.\n\nEx exactly. Yeah. 100%. And that's exactly like, if you or if you're in a car accident or, you know, you take up a snowboarding or skydiving or whatever it might be and something woulda happened and you break your leg, You never know. But, basically, that's that's exactly right.\n\nSo anything any illness or injuries or anything that happens that prevents you from working, that's when the income protection would come in. So with the income protection, I've been able to do a monthly benefit of about 2,552. That would obviously give you a little bit of an income. It can't cover everything, but it still gives you a bit of an income as a buffer if something were to happen. Yeah.\n\nNow the good thing with OnePath as well is that I have done the thirty day waiting period, so the lower end. And I know as well that having another thirty days in arrears is important to you because, obviously, waiting sixty days is is quite long. So the good thing with OnePath is that only OnePath and another provider, Zurich, offers this, everyone else does the thirty days, is that they actually only pay fifteen days in arrears. So that means that instead of waiting sixty days, you wait forty five days. And there's no additional charge.\n\nIt's just kind of built in as a benefit. So that is a really good thing. And with OnePath as well, most insurers only do two years, five years, or age 65, but one path actually does six years. So you basically get another year for for it, which is great. So I've been able to cover you for for six years if something were to happen, which which is good.\n\nAnd a feature of the income protection as well is that if you are unable to work, it will still continue to pay contributions while you are on claim into super for you, which is good. Now all of these three policies together, you do get a 15% tax rebate. And after that's been taken out, the total premium is 1,676 for all three per year. Correct. Which, yeah, which is not too bad, and that was factored in through, you know, all the math and everything as well.\n\nIt's all factored in there for you. Now how do insurance work as well is that each year, as you get older, the insurances will become more expensive. So it is important to keep reviewing them because your needs might change. You might not have as much debt eventually. And the closer you get to retirement, you might not need as much cover.\n\nSo it is something that at every annual review time, we do assess with you to see if we need to make any changes, which is, you know, nice and easy. It's not a set and forget thing for you. So it is important. But at least in the meantime, you will do have, you know, pretty good idiot protection in place if something were to happen to you. Yep.\n\nYeah. Exactly. Both for you and your family, you know, if something were to happen. Now, basically, everything I've just gone over with the insurances, again, is all outlining words and everything in the SOA for you so you can kind of have a read over it when you have a moment. The last thing I do wanna mention before I let you go, Caleb, is just in regards to the remuneration.\n\nSo if you are happy to go ahead with the recommendations, they're obviously changing everything for you in Hub twenty four, moving you to to that SMA, and changing your investments and applying for insurances, there is no additional fees and charges for you. So the advice fee stays exactly the same at 1.65% from Super. So no changes or anything. All of this is that we've done. It's just part of our ongoing service for you.\n\nThe last thing I do wanna mention is that with insurances, we do get commission. So we get 66% of the premium upfront, 23% ongoing. Now that is the insurer paying us, though. It is not you paying us. But for compliances and to make sure that you are fully fully aware of everything, any commissions we receive, we have to disclose so that you are aware of them.\n\nBut, again, it is the insurer paying us. It is not you, and it's the same for every single insurer out there. So it does not pay us in any way to recommend one provider over the other. Does that make sense? Yeah.\n\nGreat. Perfect. Now that was basically most of the recommendation for you. Do you have any questions otherwise for me at this point? I know it's a little bit tricky if you can't see it, but does it kind of make sense?\n\nYeah. Yeah. Perfect. So, basically, from here, Caleb, is obviously when you have a moment, have a read through the document. If you have any questions when you read through it and you wanna have another catch up, just let me know, and I can always book you in for another discussion to go over any questions that you have.\n\nIf you do have a read over it and it all makes sense and you are happy with the recommendation, the step from here would then be to sign the documents, and you can do that by clicking on the link where it says sign out. It will ask you to add your signature and a date. There is also a text box where if you do wanna make any changes to any of the recommendations, you can actually type it out. Or if there's no changes, you can just do NA or full stop. And then once it kind of loaded, it'll come back to me, and that tells me that you are happy to go ahead.\n\nAnd I will let the team know, and we can then start the rest of the process. So I will leave that with you to obviously have a bit of a read over it. Let me know everything, and I will let the team know to get those beneficiary forms expressed posted to you as well. Yep. Yes.\n\nCorrect. So, yeah, it's a very good question. It is two forms. So one will be for your superannuation. One will be for your insurance.\n\nThe only thing is because you because your one pass isn't enforced yet, I won't be able to issue those documents for your life insurance and TPD insurance just because it's not we haven't applied for it yet. Yeah. Correct. We can still send you out the hub 24, though. And then if you're obviously happy with your one part insurance, as soon as we've applied for it, we can then send you those forms, and that is a separate nomination.\n\nSo what you can do if you want, some people do the same split across both, some do different, some through one person for super, another for insurance because it is different. So you basically get get it through. Yeah. Yes. Yes.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nYeah. You can definitely yeah. Perfect. I'll get the team to express post those tomorrow for you. If there's anything else that you do need, though, at any point in time, don't hesitate to give me a call or or send me an email.\n\nOkay? No problem at all, Caleb. I hope you enjoy the rest of your afternoon, and I look forward to speaking with you soon again. Thank you so much. We'll speak soon.\n\nOkay. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":2.8799999,"end":3.52,"sentiment":"positive","sentiment_score":0.37274256348609924},{"text":"Is this Caleb?","start":3.52,"end":4.34,"sentiment":"neutral","sentiment_score":0.15364200373490652},{"text":"This is Veronica from Financial.","start":6.48,"end":8.26,"sentiment":"neutral","sentiment_score":0.17060037851333618},{"text":"How are you?","start":8.639999,"end":9.54,"sentiment":"neutral","sentiment_score":0.1969195952018102},{"text":"Sure.","start":12.0,"end":12.5,"sentiment":"neutral","sentiment_score":0.08358994126319885}],"sentiment":"neutral","sentiment_score":0.19526869697230204,"num_words":14,"start":2.8799999,"end":12.5},{"sentences":[{"text":"Yeah.","start":16.795,"end":17.035,"sentiment":"neutral","sentiment_score":0.07526301592588425},{"text":"Sure.","start":17.035,"end":17.435,"sentiment":"neutral","sentiment_score":0.11723291873931883},{"text":"Take your time.","start":17.435,"end":18.415,"sentiment":"neutral","sentiment_score":0.10314282774925232},{"text":"Yes.","start":33.61,"end":33.93,"sentiment":"neutral","sentiment_score":0.021726615726947784},{"text":"Can you hear me okay?","start":33.93,"end":35.07,"sentiment":"neutral","sentiment_score":0.01874832659959793}],"sentiment":"neutral","sentiment_score":0.056126606057990684,"num_words":11,"start":16.795,"end":35.07},{"sentences":[{"text":"Perfect.","start":40.344997,"end":40.844997,"sentiment":"neutral","sentiment_score":0.28824853897094727},{"text":"Now, Kayla, before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":41.864998,"end":49.245,"sentiment":"neutral","sentiment_score":0.0417933380552407},{"text":"Yep.","start":50.76,"end":51.239998,"sentiment":"neutral","sentiment_score":0.21646913886070251},{"text":"Perfect.","start":51.239998,"end":51.739998,"sentiment":"positive","sentiment_score":0.4924507141113281},{"text":"And just to confirm I am speaking with the right person, could I just get you to confirm your full name, date of birth, and address for me, please?","start":51.96,"end":60.14,"sentiment":"neutral","sentiment_score":0.16729190560250445}],"sentiment":"neutral","sentiment_score":0.11574820422979652,"num_words":61,"start":40.344997,"end":60.14},{"sentences":[{"text":"Yep.","start":68.455,"end":68.955,"sentiment":"neutral","sentiment_score":0.2462437003850937},{"text":"Perfect.","start":69.415,"end":69.895,"sentiment":"positive","sentiment_score":0.6279048323631287},{"text":"That's exactly what I have here.","start":69.895,"end":71.175,"sentiment":"positive","sentiment_score":0.6708559592564901},{"text":"How's your day been?","start":71.175,"end":72.055,"sentiment":"neutral","sentiment_score":0.21954219415783882},{"text":"Been busy?","start":72.055,"end":72.795,"sentiment":"neutral","sentiment_score":-0.10636217519640923}],"sentiment":"positive","sentiment_score":0.3974806224661214,"num_words":14,"start":68.455,"end":72.795},{"sentences":[{"text":"Oh, really?","start":75.909996,"end":76.729996,"sentiment":"neutral","sentiment_score":-0.10576964914798737},{"text":"At the end, on your way on your way home now or on your way through another job or anything?","start":77.189995,"end":81.45,"sentiment":"neutral","sentiment_score":-0.031044822186231613},{"text":"Okay.","start":83.909996,"end":84.409996,"sentiment":"neutral","sentiment_score":-0.013820107094943523},{"text":"Busy.","start":96.485,"end":96.965,"sentiment":"neutral","sentiment_score":0.08078878372907639},{"text":"Busy.","start":96.965,"end":97.465,"sentiment":"neutral","sentiment_score":0.10663504898548126}],"sentiment":"neutral","sentiment_score":-0.026353280656039715,"num_words":25,"start":75.909996,"end":97.465},{"sentences":[{"text":"Well, if you're happy for me to run through the document while you are on the phone, I can make it a click for you and just go through the most important parts.","start":97.924995,"end":108.590004,"sentiment":"neutral","sentiment_score":0.3166725382660375},{"text":"And then, obviously, when you have a bit more time and you can actually look at the document, please have a read through it.","start":108.89,"end":115.545006,"sentiment":"neutral","sentiment_score":0.1710084524626533},{"text":"And if you then have any other questions or anything like that, you can always give me a callback, and we can go through it.","start":115.545006,"end":120.90501,"sentiment":"neutral","sentiment_score":0.1717109563946724},{"text":"Is that okay?","start":120.90501,"end":121.725006,"sentiment":"neutral","sentiment_score":0.16498850782712302},{"text":"Yes.","start":122.985,"end":123.385,"sentiment":"neutral","sentiment_score":0.24181315302848816}],"sentiment":"neutral","sentiment_score":0.2277203396309254,"num_words":86,"start":97.924995,"end":123.385},{"sentences":[{"text":"Perfect.","start":123.385,"end":123.785,"sentiment":"positive","sentiment_score":0.41144025325775146},{"text":"So I have to send you an email with the document.","start":123.785,"end":127.065,"sentiment":"neutral","sentiment_score":0.1600800207392736},{"text":"So like I said, when you have a moment later, and it's obviously safe to do so, jump on the email for me.","start":127.065,"end":133.28,"sentiment":"neutral","sentiment_score":0.17839422336091165},{"text":"Now you will see before you click on the link where it says sign now, you will see a couple of attachments.","start":133.28,"end":139.86,"sentiment":"neutral","sentiment_score":0.09633339907635342},{"text":"Now this is just for your reference.","start":140.16,"end":142.0,"sentiment":"neutral","sentiment_score":0.12242407883916583}],"sentiment":"neutral","sentiment_score":0.1445576710975729,"num_words":64,"start":123.385,"end":142.0},{"sentences":[{"text":"So all the research materials and everything has been attached there for you as well as the supporting product disclosure statements.","start":142.0,"end":151.58499,"sentiment":"neutral","sentiment_score":0.16820234095766431},{"text":"So basically everything that you need to know about anything I have recommended today, essentially.","start":151.58499,"end":155.44499,"sentiment":"neutral","sentiment_score":0.20445006489753723},{"text":"Otherwise, when you do click on the link process sign now, it will actually allow you to open up the documents first to have a look at it before it prompts you to sign anything.","start":156.86499,"end":166.63,"sentiment":"neutral","sentiment_score":0.25456884545939307},{"text":"So that is the documents I'm kind of running through with you today.","start":166.63,"end":169.53,"sentiment":"neutral","sentiment_score":0.256232147033398},{"text":"Now when you have a have a look at it, like I said, it is quite long.","start":171.315,"end":176.91501,"sentiment":"neutral","sentiment_score":0.1015518382191658}],"sentiment":"neutral","sentiment_score":0.20362682065161147,"num_words":101,"start":142.0,"end":176.91501},{"sentences":[{"text":"A lot of it is compliant, so I'll try to make it as brief as I can for you.","start":176.91501,"end":181.495,"sentiment":"neutral","sentiment_score":0.21497084749372383},{"text":"You will see in the document, though, you will see on the cover page my details that you will have my authorized representative number listed, and I am licensed under OQ Financial.","start":181.955,"end":194.39,"sentiment":"neutral","sentiment_score":0.12253583711571991},{"text":"Otherwise, every time we do make a recommendation on financial products or give you personalized advice, we do have to put everything in this statement of advice for you so that you are fully aware everything And all the recommendations and everything that we do have to follow that best interest duty, which basically just means that we have to act in your best interest at all time, and the advice itself has to put you in a better position as a result of the advice.","start":197.05501,"end":226.545,"sentiment":"neutral","sentiment_score":0.09225096627203531},{"text":"Otherwise, we can't actually make the recommendation.","start":226.845,"end":229.185,"sentiment":"neutral","sentiment_score":-0.13250407895871572},{"text":"Does that make sense?","start":229.485,"end":230.545,"sentiment":"neutral","sentiment_score":0.03150205872952938}],"sentiment":"neutral","sentiment_score":0.10228145724112117,"num_words":148,"start":176.91501,"end":230.545},{"sentences":[{"text":"Yeah.","start":232.685,"end":233.165,"sentiment":"positive","sentiment_score":0.357374906539917},{"text":"Perfect.","start":233.165,"end":233.665,"sentiment":"positive","sentiment_score":0.6199671030044556},{"text":"Now it is pretty straightforward today.","start":233.805,"end":237.025,"sentiment":"positive","sentiment_score":0.5385897805293401},{"text":"Sorry.","start":237.08499,"end":237.565,"sentiment":"neutral","sentiment_score":0.06482020020484924},{"text":"What what we are kind of looking at so the two different strategies we're looking at today is your different strategies we're looking at today is your superannuation first, see if we can get everything consolidated for you so that you only have the one super fund open and make it nice and easy.","start":237.565,"end":252.29,"sentiment":"neutral","sentiment_score":0.22141893483974315}],"sentiment":"neutral","sentiment_score":0.2576241805439904,"num_words":63,"start":232.685,"end":252.29},{"sentences":[{"text":"Also reviewing some of your investments to kinda change some around reviewing the SMA and see if that was going to be a good option for you.","start":253.18501,"end":262.64502,"sentiment":"neutral","sentiment_score":0.22948642488982943},{"text":"And then the other strategy is your insurances.","start":262.945,"end":265.68,"sentiment":"neutral","sentiment_score":0.08983285957947373},{"text":"Trying to get that sorted for you, especially that income protection and PCD insurance to make sure that you do have that cover in place if something were to happen.","start":265.68,"end":273.52,"sentiment":"neutral","sentiment_score":0.09086048540969689},{"text":"Do you kind of remember that conversation?","start":273.52,"end":275.13998,"sentiment":"neutral","sentiment_score":0.014305418357253075},{"text":"Yeah.","start":277.03998,"end":277.53998,"sentiment":"neutral","sentiment_score":0.04974266514182091}],"sentiment":"neutral","sentiment_score":0.1341163219807491,"num_words":73,"start":253.18501,"end":277.53998},{"sentences":[{"text":"Yeah.","start":277.975,"end":278.475,"sentiment":"neutral","sentiment_score":-0.008471233770251274},{"text":"Yeah.","start":289.335,"end":289.73502,"sentiment":"neutral","sentiment_score":0.0122398491948843},{"text":"Yeah.","start":289.73502,"end":290.23502,"sentiment":"neutral","sentiment_score":0.002041332423686981},{"text":"Yes.","start":298.78,"end":299.28,"sentiment":"neutral","sentiment_score":0.034866973757743835},{"text":"Okay.","start":309.675,"end":310.175,"sentiment":"neutral","sentiment_score":-0.14939486980438232}],"sentiment":"neutral","sentiment_score":-0.021743589639663698,"num_words":5,"start":277.975,"end":310.175},{"sentences":[{"text":"Okay.","start":318.41,"end":318.91,"sentiment":"neutral","sentiment_score":-0.11589783430099489},{"text":"Yep.","start":333.54498,"end":334.04498,"sentiment":"neutral","sentiment_score":-0.06651635468006134},{"text":"Yeah.","start":335.465,"end":335.965,"sentiment":"neutral","sentiment_score":-0.1045941412448883},{"text":"Yeah.","start":337.54498,"end":338.04498,"sentiment":"neutral","sentiment_score":-0.06299871951341629},{"text":"Okay.","start":338.345,"end":338.845,"sentiment":"neutral","sentiment_score":-0.017216533422470093}],"sentiment":"neutral","sentiment_score":-0.07344471663236618,"num_words":5,"start":318.41,"end":338.845},{"sentences":[{"text":"Okay.","start":339.77,"end":340.27,"sentiment":"neutral","sentiment_score":0.08292923867702484},{"text":"Yeah.","start":340.49,"end":340.89,"sentiment":"neutral","sentiment_score":0.13006475567817688},{"text":"And that's totally fine.","start":340.89,"end":342.25,"sentiment":"neutral","sentiment_score":0.3111942261457443},{"text":"So so what I'll do is I will get the team to send those form out to you.","start":342.25,"end":347.31,"sentiment":"neutral","sentiment_score":0.22435941050450006},{"text":"Because you are making a legal nomination, you have to complete them and get them website.","start":347.45,"end":353.39,"sentiment":"neutral","sentiment_score":0.0808636355213821}],"sentiment":"neutral","sentiment_score":0.16975146140903236,"num_words":40,"start":339.77,"end":353.39},{"sentences":[{"text":"Now do you have access to a printer at all?","start":355.185,"end":357.92502,"sentiment":"neutral","sentiment_score":0.0022337697446346283},{"text":"Because if not, I No.","start":360.625,"end":363.20502,"sentiment":"neutral","sentiment_score":-0.14387280344963074},{"text":"No.","start":363.265,"end":363.765,"sentiment":"neutral","sentiment_score":-0.3228570520877838},{"text":"Yeah.","start":366.70502,"end":367.20502,"sentiment":"neutral","sentiment_score":0.035456471145153046},{"text":"Of course.","start":367.265,"end":368.005,"sentiment":"neutral","sentiment_score":0.060958513990044594}],"sentiment":"neutral","sentiment_score":-0.04539525646128153,"num_words":19,"start":355.185,"end":368.005},{"sentences":[{"text":"I will get that, yeah, I will get the team to express post that for you just to make sure, obviously, we get everything sorted.","start":369.29,"end":380.59,"sentiment":"neutral","sentiment_score":0.2635258889198303},{"text":"You can upload those documents definitely to be 50% your partner and 25% through your partner.","start":380.65,"end":388.31497,"sentiment":"neutral","sentiment_score":0.2139853681146633},{"text":"And you're happy for that through, obviously, the email posted to that five heat courts.","start":389.25497,"end":393.995,"sentiment":"positive","sentiment_score":0.45657151540120444},{"text":"Yeah.","start":394.44,"end":394.68002,"sentiment":"neutral","sentiment_score":0.25220781564712524},{"text":"Perfect.","start":394.68002,"end":395.18002,"sentiment":"positive","sentiment_score":0.702215313911438}],"sentiment":"neutral","sentiment_score":0.30715360298977584,"num_words":58,"start":369.29,"end":395.18002},{"sentences":[{"text":"We will get that express posted probably tomorrow, because it's kind of the the process been for today.","start":395.56,"end":401.02002,"sentiment":"neutral","sentiment_score":0.27263352688815856},{"text":"But I'll get the team to express post those for you tomorrow, and we'll get that all sorted.","start":401.40002,"end":406.62003,"sentiment":"neutral","sentiment_score":0.2146579490767585},{"text":"And now with the superannuation side of it, so I have made a recommendation.","start":408.475,"end":414.73502,"sentiment":"neutral","sentiment_score":0.18395026347466878},{"text":"Now I did research your superannuation as well.","start":415.275,"end":419.375,"sentiment":"neutral","sentiment_score":0.2013715896755457},{"text":"Just making sure if hub twenty four was still going to be the best option or if there were any other competitive options out there for you.","start":419.995,"end":427.65,"sentiment":"neutral","sentiment_score":0.1783651284597538}],"sentiment":"neutral","sentiment_score":0.20909860519801868,"num_words":85,"start":395.56,"end":427.65},{"sentences":[{"text":"And when doing all the research, hub twenty four still very much came out as a really competitive option.","start":427.94998,"end":435.01,"sentiment":"neutral","sentiment_score":0.28526580647418376},{"text":"So I have recommended that you stay in hub twenty four.","start":435.22998,"end":438.69,"sentiment":"positive","sentiment_score":0.40674165162173187},{"text":"It's quite competitive when it comes to, you know, the fees and features and all the investment choices.","start":439.015,"end":444.475,"sentiment":"positive","sentiment_score":0.4554332395394643},{"text":"So it's still very much competitive.","start":445.815,"end":447.515,"sentiment":"positive","sentiment_score":0.4595854878425598},{"text":"I use Hub twenty four for my personal super as well, but not really making any changes through the platform itself.","start":447.575,"end":454.39502,"sentiment":"neutral","sentiment_score":0.2679341009684971}],"sentiment":"positive","sentiment_score":0.35301514466603595,"num_words":75,"start":427.94998,"end":454.39502},{"sentences":[{"text":"Now I did look at the SMA to see if that was going to be a good fit for you when it comes to, obviously, fees and returns and everything like that.","start":456.17,"end":465.07,"sentiment":"neutral","sentiment_score":0.2439107457175851},{"text":"And that gives us that flexibility with investment choices that we can very quickly, if need be, especially when the market has been a little bit up and down the last twelve months, make quickly those investment changes for you in the back end without kind of having to go through this process.","start":465.21,"end":481.59,"sentiment":"neutral","sentiment_score":0.3011789141960864},{"text":"So when I did kind of review everything, so all the other options for you, the the SMA was actually really suitable for you.","start":482.21,"end":489.91,"sentiment":"neutral","sentiment_score":0.3044656788309415},{"text":"So I have recommended that we change you to the SMA.","start":490.28998,"end":494.08502,"sentiment":"neutral","sentiment_score":0.23729573325677353},{"text":"Now it's still within Hub 24, and we would do all the changes in the back end.","start":494.225,"end":498.805,"sentiment":"neutral","sentiment_score":0.17801419163451476}],"sentiment":"neutral","sentiment_score":0.26796567102853397,"num_words":137,"start":456.17,"end":498.805},{"sentences":[{"text":"For, yeah, for you, how it changes things is when you have a moment, it's everything is basically outlined on page 19.","start":499.825,"end":508.59,"sentiment":"neutral","sentiment_score":0.1980597512288527},{"text":"So you will see a bit of a table with all the numbers and figures and everything.","start":508.81,"end":513.15,"sentiment":"neutral","sentiment_score":0.22010424382546367},{"text":"And this shows everything very well that by actually making the switch to the SMA, what we can do is we can actually change the product menu that you are on with hub twenty four.","start":513.85,"end":525.965,"sentiment":"positive","sentiment_score":0.3627609284860747},{"text":"And we can change it to a slightly cheaper one, which is good.","start":526.10504,"end":529.48505,"sentiment":"neutral","sentiment_score":0.33306422715003675},{"text":"So you will save about a $180 a year in admin fees alone.","start":529.705,"end":535.58997,"sentiment":"positive","sentiment_score":0.7136899737211374}],"sentiment":"positive","sentiment_score":0.3440352378040552,"num_words":100,"start":499.825,"end":535.58997},{"sentences":[{"text":"So that's really good.","start":535.73,"end":537.02997,"sentiment":"positive","sentiment_score":0.878797709941864},{"text":"And in the investment fees, the the SMA is a little bit cheaper than your current portfolio as well.","start":538.52997,"end":545.11,"sentiment":"positive","sentiment_score":0.6351421600893924},{"text":"So you are saving about $230 a year in investment fees as well.","start":545.49,"end":551.105,"sentiment":"positive","sentiment_score":0.6741199195384979},{"text":"So it is kind of reducing the cost a little bit for you as well as obviously streamlining that process.","start":551.325,"end":557.185,"sentiment":"positive","sentiment_score":0.6754667043685914},{"text":"Now when it comes to the returns on the investment as well.","start":559.245,"end":562.17,"sentiment":"neutral","sentiment_score":0.2857939650615056}],"sentiment":"positive","sentiment_score":0.6071369485820041,"num_words":68,"start":535.73,"end":562.17},{"sentences":[{"text":"So your current portfolio, and I've used kind of f five via rolling average time frame to doing the projections to give us a little bit more certainty of what's kind of happened in the market.","start":562.41,"end":573.79,"sentiment":"neutral","sentiment_score":0.11278301322211821},{"text":"Now there's obviously no guarantees with the market and the returns because anything can happen, but that is why we use a five year time frame because it does give us a little bit more certainty of the market and the portfolio as well.","start":574.17,"end":586.965,"sentiment":"neutral","sentiment_score":0.1018017606640404},{"text":"Does that make sense?","start":586.965,"end":588.025,"sentiment":"neutral","sentiment_score":0.0921504981815815},{"text":"Yep.","start":589.445,"end":589.925,"sentiment":"neutral","sentiment_score":0.06622124463319778},{"text":"Perfect.","start":589.925,"end":590.425,"sentiment":"neutral","sentiment_score":0.15982550382614136}],"sentiment":"neutral","sentiment_score":0.10621063588836858,"num_words":86,"start":562.41,"end":590.425},{"sentences":[{"text":"So, basically, your car.","start":590.565,"end":592.185,"sentiment":"neutral","sentiment_score":0.041066456120461226},{"text":"Yeah.","start":592.82,"end":593.32,"sentiment":"neutral","sentiment_score":0.0012994399294257164},{"text":"Okay.","start":596.42,"end":596.92,"sentiment":"neutral","sentiment_score":-0.03762368857860565},{"text":"Okay.","start":598.18,"end":598.68,"sentiment":"neutral","sentiment_score":-0.031110431998968124},{"text":"Okay.","start":602.66003,"end":603.16003,"sentiment":"neutral","sentiment_score":-0.04583154618740082}],"sentiment":"neutral","sentiment_score":0.006374949705787003,"num_words":8,"start":590.565,"end":603.16003},{"sentences":[{"text":"Yeah.","start":603.22003,"end":603.72003,"sentiment":"neutral","sentiment_score":-0.050549473613500595},{"text":"Okay.","start":606.03503,"end":606.435,"sentiment":"neutral","sentiment_score":-0.048652783036231995},{"text":"If it happens, I'll just stay put if I lose you.","start":606.435,"end":610.455,"sentiment":"neutral","sentiment_score":-0.11183171719312668},{"text":"Yeah.","start":612.03503,"end":612.35504,"sentiment":"neutral","sentiment_score":0.06377726793289185},{"text":"Perfect.","start":612.35504,"end":612.85504,"sentiment":"neutral","sentiment_score":0.23502475023269653}],"sentiment":"neutral","sentiment_score":-0.06870327517390251,"num_words":15,"start":603.22003,"end":612.85504},{"sentences":[{"text":"Now your current portfolio, otherwise, Caleb, has performed on that five year average per year about 8.18%.","start":614.435,"end":623.54,"sentiment":"neutral","sentiment_score":0.24615850168115952},{"text":"And the SMA has done about 11.14%.","start":624.24,"end":628.66,"sentiment":"neutral","sentiment_score":0.2995308552469526},{"text":"So it's about a 3.96 better than your current portfolio, which does make a pretty big difference as well as it being cheaper for you.","start":628.72,"end":636.845,"sentiment":"positive","sentiment_score":0.4297651481628418},{"text":"Now I have kind of projected that forward for about five and ten years to show you.","start":639.065,"end":644.605,"sentiment":"neutral","sentiment_score":0.30259509472286},{"text":"And in a five year time frame, it's about 11,964 thousand difference, which is pretty good, and this also includes your new insurance policy.","start":644.93,"end":658.23,"sentiment":"positive","sentiment_score":0.36867238705356914}],"sentiment":"positive","sentiment_score":0.34464214576615226,"num_words":90,"start":614.435,"end":658.23},{"sentences":[{"text":"So factoring in that the insurances will come out.","start":658.935,"end":661.09503,"sentiment":"neutral","sentiment_score":0.31940725776884293},{"text":"So so that's a pretty good outcome from your superannuation.","start":661.09503,"end":664.23505,"sentiment":"positive","sentiment_score":0.4721106305718422},{"text":"Now I do wanna mention that when we are making changes to your investment, there will be some capital gains tax on the earnings from your investment.","start":666.135,"end":677.11,"sentiment":"neutral","sentiment_score":0.002567877303119059},{"text":"Now we're trying to minimize that as much as possible for you.","start":679.25,"end":683.27,"sentiment":"neutral","sentiment_score":0.11070240257928769},{"text":"And by making the switch to the SMA, it's only around $578.","start":683.81,"end":690.105,"sentiment":"neutral","sentiment_score":0.24574369937181473}],"sentiment":"neutral","sentiment_score":0.17060653623193503,"num_words":70,"start":658.935,"end":690.105},{"sentences":[{"text":"So it's not too bad, and it's just tax that will come out of your superannuation.","start":690.505,"end":695.165,"sentiment":"positive","sentiment_score":0.34201187081635},{"text":"Does that make sense?","start":698.105,"end":699.245,"sentiment":"neutral","sentiment_score":0.14740753546357155},{"text":"Yeah.","start":700.505,"end":700.90497,"sentiment":"positive","sentiment_score":0.3705670237541199},{"text":"Perfect.","start":700.90497,"end":701.40497,"sentiment":"positive","sentiment_score":0.6006937623023987},{"text":"But because you're kind of saving about $414 a year in fees alone, very quickly, you can obviously, make up the the the tax that will come out and also the outperformance.","start":701.625,"end":712.62,"sentiment":"positive","sentiment_score":0.40045072650536895}],"sentiment":"positive","sentiment_score":0.36754637239155946,"num_words":54,"start":690.505,"end":712.62},{"sentences":[{"text":"So kind of yep.","start":713.56,"end":721.195,"sentiment":"neutral","sentiment_score":-0.02780231460928917},{"text":"Yes.","start":724.215,"end":724.715,"sentiment":"neutral","sentiment_score":-0.06750930845737457},{"text":"Yes.","start":727.59,"end":728.09,"sentiment":"neutral","sentiment_score":-0.1677320897579193},{"text":"Yes.","start":729.35004,"end":729.85004,"sentiment":"neutral","sentiment_score":-0.18844878673553467},{"text":"Exactly.","start":737.27,"end":737.77,"sentiment":"positive","sentiment_score":0.3963955044746399}],"sentiment":"neutral","sentiment_score":-0.017312992364168167,"num_words":8,"start":713.56,"end":737.77},{"sentences":[{"text":"And when I kind of run the numbers of, you know, you gave me a really good detailed breakdown last time about, the the rates and everything like that.","start":737.99005,"end":747.215,"sentiment":"neutral","sentiment_score":0.2362000698159481},{"text":"And on a yearly basis after tax from your employer now, it will be about 4,464, which does make a pretty big difference, like you said.","start":747.755,"end":758.09503,"sentiment":"neutral","sentiment_score":0.22215243944754967},{"text":"Yeah.","start":759.41003,"end":759.91003,"sentiment":"neutral","sentiment_score":0.15282946825027466},{"text":"Now when it comes to the super recommendation as well, everything that I've kind of gone over with you is also outlined in words in a strategy format for you.","start":761.81,"end":771.01,"sentiment":"neutral","sentiment_score":0.17237472186485928},{"text":"So take your time.","start":771.01,"end":772.13,"sentiment":"neutral","sentiment_score":0.15244250372052193}],"sentiment":"neutral","sentiment_score":0.20621785099307696,"num_words":90,"start":737.99005,"end":772.13},{"sentences":[{"text":"Have a read over it.","start":772.13,"end":773.475,"sentiment":"neutral","sentiment_score":0.15305877923965455},{"text":"It explains a bit more in-depth the reasoning behind everything as well.","start":773.795,"end":778.855,"sentiment":"neutral","sentiment_score":0.15337695615986982},{"text":"It outlines kind of all the advantages in regards to the recommendation, which I've touched on.","start":779.15497,"end":784.13495,"sentiment":"neutral","sentiment_score":0.18100330093875527},{"text":"Also, some disadvantage, which is mainly that capital gains tax for you.","start":784.995,"end":790.19,"sentiment":"neutral","sentiment_score":-0.1892018523067236},{"text":"But also some risks to be mindful of is that there's always a level of risk associated with any investment.","start":790.57,"end":796.99,"sentiment":"neutral","sentiment_score":-0.1509854406118393}],"sentiment":"neutral","sentiment_score":0.0032575253110665543,"num_words":65,"start":772.13,"end":796.99},{"sentences":[{"text":"But the really good thing with the SMA structure is that we can very quickly manage and make those changes for you if need be.","start":797.61,"end":806.625,"sentiment":"positive","sentiment_score":0.4800572246313095},{"text":"And, obviously, joining with BlackRock, we have access to all of that research and everything for you.","start":806.625,"end":812.165,"sentiment":"neutral","sentiment_score":0.3192962320411907},{"text":"So, basically, moving forward, if we need to make any changes to your portfolio, we can very quickly make that in the back end without having to go through this process.","start":812.225,"end":820.40497,"sentiment":"neutral","sentiment_score":0.22000389762463107},{"text":"We can still obviously notify you of the changes.","start":820.81,"end":823.31,"sentiment":"neutral","sentiment_score":0.3232000569502513},{"text":"And when you do log in through your Hub twenty four account, you will see a breakdown of the estimate.","start":823.77,"end":830.43005,"sentiment":"neutral","sentiment_score":0.19078506007790566}],"sentiment":"neutral","sentiment_score":0.30366754020546,"num_words":102,"start":797.61,"end":830.43005},{"sentences":[{"text":"So there's a a split of two different portfolios, and it's 70% into one and thirty into the other.","start":830.57,"end":838.335,"sentiment":"neutral","sentiment_score":0.11440303215855047},{"text":"Reason being is that we wanna keep you around that growth portfolio.","start":838.715,"end":842.895,"sentiment":"neutral","sentiment_score":0.14568062561253706},{"text":"So we'd not wanna make any changes to your risk tolerance or anything like that.","start":842.955,"end":846.815,"sentiment":"neutral","sentiment_score":-0.225521453221639},{"text":"Still keeping you within your risk of a growth investor, which is very suitable for you and kind of aligns with your risk tolerance and time frame.","start":846.92004,"end":856.7,"sentiment":"neutral","sentiment_score":0.29078569953088407},{"text":"And that breakdown basically gives us that 20% to your asset allocation, which you will also see in a table format.","start":857.08,"end":865.815,"sentiment":"neutral","sentiment_score":0.2153222837618419}],"sentiment":"neutral","sentiment_score":0.13736154432309436,"num_words":94,"start":830.57,"end":865.815},{"sentences":[{"text":"So when you do go into Hub 24, if you click on the the headings of the SMA, it will actually still show you all the underlying investment in the back end.","start":865.955,"end":875.155,"sentiment":"neutral","sentiment_score":0.1996454163454473},{"text":"So you can still see them when you do log in to your account.","start":875.155,"end":878.00995,"sentiment":"neutral","sentiment_score":0.24282896838017873},{"text":"Does that make sense?","start":879.50995,"end":880.55,"sentiment":"neutral","sentiment_score":0.14187403209507465},{"text":"Do you have any questions before I kind of move on through your insurances?","start":880.55,"end":884.88995,"sentiment":"neutral","sentiment_score":0.016063908735564576},{"text":"No.","start":886.70996,"end":887.20996,"sentiment":"neutral","sentiment_score":-0.06435268372297287}],"sentiment":"neutral","sentiment_score":0.16178918534356992,"num_words":65,"start":865.955,"end":887.20996},{"sentences":[{"text":"Yes.","start":890.245,"end":890.745,"sentiment":"neutral","sentiment_score":0.0103848148137331},{"text":"Exactly.","start":893.845,"end":894.345,"sentiment":"neutral","sentiment_score":0.02912851981818676},{"text":"And then if you have any questions, you can always give me a callback or send me an email, or we can book book up another little follow-up to see what your thoughts and everything is when you have a bit more time.","start":894.40497,"end":903.785,"sentiment":"neutral","sentiment_score":0.08429665326379067},{"text":"But with your insurances, sorry.","start":905.82,"end":908.22003,"sentiment":"neutral","sentiment_score":-0.12753247544169427},{"text":"Has any of your goals or anything changed in terms of how much coverage you want, or is still about no.","start":908.22003,"end":915.5,"sentiment":"neutral","sentiment_score":-0.20051160951455435}],"sentiment":"neutral","sentiment_score":-0.01667798242308724,"num_words":71,"start":890.245,"end":915.5},{"sentences":[{"text":"That's still they're still about the same?","start":915.5,"end":917.44,"sentiment":"neutral","sentiment_score":-0.13906149033989226},{"text":"Yeah.","start":919.105,"end":919.505,"sentiment":"neutral","sentiment_score":-0.021350227296352383},{"text":"Yeah.","start":919.505,"end":919.825,"sentiment":"neutral","sentiment_score":-0.00944126769900322},{"text":"And it yeah.","start":919.825,"end":920.945,"sentiment":"neutral","sentiment_score":0.0020254763464132943},{"text":"And it's still a decent amount.","start":920.945,"end":922.225,"sentiment":"neutral","sentiment_score":0.08954168731967609}],"sentiment":"neutral","sentiment_score":-0.025605298578739166,"num_words":18,"start":915.5,"end":922.225},{"sentences":[{"text":"So what we are looking at is 625,000 worth of life and total permanent disability.","start":922.225,"end":930.005,"sentiment":"neutral","sentiment_score":0.007441700498263041},{"text":"So that would obviously pay out a big chunk of any debt that's outstanding.","start":930.145,"end":934.98,"sentiment":"neutral","sentiment_score":-0.03407521991591368},{"text":"It will cover your income for a couple of years as well if something obviously were to happen to you.","start":935.12,"end":940.88,"sentiment":"neutral","sentiment_score":0.012412096932530403},{"text":"So I have recommended one pass again for you.","start":940.88,"end":945.76,"sentiment":"neutral","sentiment_score":-0.12073750131660038},{"text":"So I know you currently have a live policy with them, but I have recommended to cancel that one and apply for another one.","start":945.76,"end":954.905,"sentiment":"neutral","sentiment_score":-0.21137583581730723}],"sentiment":"neutral","sentiment_score":-0.0765468683434514,"num_words":82,"start":922.225,"end":954.905},{"sentences":[{"text":"The reason being is that the way that I have it structured is to try to make it as affordable for you when it comes to price.","start":955.445,"end":961.705,"sentiment":"neutral","sentiment_score":0.22607296732840715},{"text":"So I have your life and total permanent disability linked together under one policy.","start":962.19,"end":967.81,"sentiment":"neutral","sentiment_score":0.12753886676260404},{"text":"What that means is that if you were to claim on TPD, it will cancel your life policy.","start":968.51,"end":973.65,"sentiment":"neutral","sentiment_score":-0.02568757761683729},{"text":"But what I have added in is a buyback option, which is that after twelve months, your life cover will be reinstated for you.","start":974.025,"end":982.60504,"sentiment":"neutral","sentiment_score":0.13916563677291074},{"text":"So it just means there's a little bit more affordable at having it structured this way.","start":982.745,"end":986.745,"sentiment":"neutral","sentiment_score":0.26291197445243597}],"sentiment":"neutral","sentiment_score":0.15124954271948698,"num_words":99,"start":955.445,"end":986.745},{"sentences":[{"text":"Does that make sense?","start":986.745,"end":987.80505,"sentiment":"neutral","sentiment_score":0.14586147665977478},{"text":"Yep.","start":988.87,"end":989.19,"sentiment":"neutral","sentiment_score":0.22849494218826297},{"text":"Perfect.","start":989.19,"end":989.69,"sentiment":"positive","sentiment_score":0.6837136745452881},{"text":"And I have also been able to add an income protection policy for you.","start":990.63,"end":995.52997,"sentiment":"neutral","sentiment_score":0.3275735229253769},{"text":"Now it was a little bit tricky to see how much I could cover you for based on, obviously, your your two jobs and being the self employed and stuff like that.","start":995.83,"end":1004.44495,"sentiment":"neutral","sentiment_score":0.009977524634450674}],"sentiment":"neutral","sentiment_score":0.12309547370442978,"num_words":52,"start":986.745,"end":1004.44495},{"sentences":[{"text":"So the good thing is that now that you are working under someone, I can cover that income, which is good because that is a little bit higher for you and a bit more consistent.","start":1004.44495,"end":1013.985,"sentiment":"positive","sentiment_score":0.3532231335129057},{"text":"Yeah.","start":1023.43994,"end":1023.93994,"sentiment":"neutral","sentiment_score":-0.04843943566083908},{"text":"Yes.","start":1026.735,"end":1027.235,"sentiment":"neutral","sentiment_score":-0.018158577382564545},{"text":"Yes.","start":1027.375,"end":1027.875,"sentiment":"neutral","sentiment_score":-0.048555657267570496},{"text":"Yes.","start":1036.415,"end":1036.915,"sentiment":"neutral","sentiment_score":-0.09524749219417572}],"sentiment":"neutral","sentiment_score":0.3116002182165782,"num_words":39,"start":1004.44495,"end":1036.915},{"sentences":[{"text":"And, also, it's also it's also if any illness happens.","start":1044.35,"end":1047.71,"sentiment":"neutral","sentiment_score":-0.05493588298559189},{"text":"So income protection is not restricted to if you're just at work.","start":1047.71,"end":1051.035,"sentiment":"neutral","sentiment_score":-0.037626802610854305},{"text":"It's if anything were to happen.","start":1051.435,"end":1052.9551,"sentiment":"neutral","sentiment_score":-0.09164338186383247},{"text":"So if you have any illnesses or injuries or anything Yes.","start":1052.9551,"end":1059.2151,"sentiment":"neutral","sentiment_score":-0.08128421414982188},{"text":"Yeah.","start":1067.93,"end":1068.43,"sentiment":"neutral","sentiment_score":-0.0689026266336441}],"sentiment":"neutral","sentiment_score":-0.06284424336627126,"num_words":40,"start":1044.35,"end":1068.43},{"sentences":[{"text":"Ex exactly.","start":1069.4501,"end":1070.67,"sentiment":"neutral","sentiment_score":0.0469804722815752},{"text":"Yeah.","start":1071.53,"end":1072.03,"sentiment":"neutral","sentiment_score":0.02857028692960739},{"text":"100%.","start":1076.655,"end":1078.0951,"sentiment":"neutral","sentiment_score":0.05095929652452469},{"text":"And that's exactly like, if you or if you're in a car accident or, you know, you take up a snowboarding or skydiving or whatever it might be and something woulda happened and you break your leg, You never know.","start":1078.0951,"end":1092.61,"sentiment":"neutral","sentiment_score":-0.03846602845005691},{"text":"But, basically, that's that's exactly right.","start":1092.61,"end":1094.45,"sentiment":"neutral","sentiment_score":0.11242079144964616}],"sentiment":"neutral","sentiment_score":-0.01381251722574234,"num_words":50,"start":1069.4501,"end":1094.45},{"sentences":[{"text":"So anything any illness or injuries or anything that happens that prevents you from working, that's when the income protection would come in.","start":1094.45,"end":1102.61,"sentiment":"neutral","sentiment_score":-0.08050400913571534},{"text":"So with the income protection, I've been able to do a monthly benefit of about 2,552.","start":1102.61,"end":1110.405,"sentiment":"neutral","sentiment_score":0.1315333953825757},{"text":"That would obviously give you a little bit of an income.","start":1110.405,"end":1112.805,"sentiment":"neutral","sentiment_score":0.24384980716488577},{"text":"It can't cover everything, but it still gives you a bit of an income as a buffer if something were to happen.","start":1112.805,"end":1119.785,"sentiment":"neutral","sentiment_score":0.09978956669907678},{"text":"Yeah.","start":1120.6799,"end":1121.1799,"sentiment":"neutral","sentiment_score":0.040269479155540466}],"sentiment":"neutral","sentiment_score":0.07083465673080454,"num_words":73,"start":1094.45,"end":1121.1799},{"sentences":[{"text":"Now the good thing with OnePath as well is that I have done the thirty day waiting period, so the lower end.","start":1121.72,"end":1128.7,"sentiment":"neutral","sentiment_score":0.26867415281859314},{"text":"And I know as well that having another thirty days in arrears is important to you because, obviously, waiting sixty days is is quite long.","start":1128.84,"end":1136.925,"sentiment":"neutral","sentiment_score":0.08001714631915093},{"text":"So the good thing with OnePath is that only OnePath and another provider, Zurich, offers this, everyone else does the thirty days, is that they actually only pay fifteen days in arrears.","start":1137.225,"end":1148.925,"sentiment":"neutral","sentiment_score":0.3178004752844572},{"text":"So that means that instead of waiting sixty days, you wait forty five days.","start":1149.12,"end":1152.82,"sentiment":"neutral","sentiment_score":0.22635793260165624},{"text":"And there's no additional charge.","start":1153.28,"end":1154.96,"sentiment":"positive","sentiment_score":0.34847874343395235}],"sentiment":"neutral","sentiment_score":0.23461510206819797,"num_words":98,"start":1121.72,"end":1154.96},{"sentences":[{"text":"It's just kind of built in as a benefit.","start":1154.96,"end":1157.0599,"sentiment":"positive","sentiment_score":0.5133541259500716},{"text":"So that is a really good thing.","start":1157.12,"end":1158.82,"sentiment":"positive","sentiment_score":0.7965520535196576},{"text":"And with OnePath as well, most insurers only do two years, five years, or age 65, but one path actually does six years.","start":1160.8,"end":1169.615,"sentiment":"neutral","sentiment_score":0.3069206962118978},{"text":"So you basically get another year for for it, which is great.","start":1169.615,"end":1174.255,"sentiment":"positive","sentiment_score":0.6370943784713745},{"text":"So I've been able to cover you for for six years if something were to happen, which which is good.","start":1174.255,"end":1180.8401,"sentiment":"positive","sentiment_score":0.4992843743413687}],"sentiment":"positive","sentiment_score":0.49135278238796853,"num_words":71,"start":1154.96,"end":1180.8401},{"sentences":[{"text":"And a feature of the income protection as well is that if you are unable to work, it will still continue to pay contributions while you are on claim into super for you, which is good.","start":1180.8401,"end":1193.18,"sentiment":"positive","sentiment_score":0.3399968904753526},{"text":"Now all of these three policies together, you do get a 15% tax rebate.","start":1193.8251,"end":1199.685,"sentiment":"positive","sentiment_score":0.43998460684503826},{"text":"And after that's been taken out, the total premium is 1,676 for all three per year.","start":1200.625,"end":1211.41,"sentiment":"neutral","sentiment_score":0.2653774367645383},{"text":"Correct.","start":1211.41,"end":1211.91,"sentiment":"positive","sentiment_score":0.33738595247268677},{"text":"Which, yeah, which is not too bad, and that was factored in through, you know, all the math and everything as well.","start":1213.41,"end":1219.49,"sentiment":"positive","sentiment_score":0.4999557516791604}],"sentiment":"positive","sentiment_score":0.3818216183212366,"num_words":89,"start":1180.8401,"end":1219.49},{"sentences":[{"text":"It's all factored in there for you.","start":1219.49,"end":1221.375,"sentiment":"positive","sentiment_score":0.6226481625011989},{"text":"Now how do insurance work as well is that each year, as you get older, the insurances will become more expensive.","start":1221.695,"end":1229.235,"sentiment":"neutral","sentiment_score":-0.10576139106636956},{"text":"So it is important to keep reviewing them because your needs might change.","start":1230.175,"end":1233.695,"sentiment":"neutral","sentiment_score":0.04858892898146923},{"text":"You might not have as much debt eventually.","start":1233.695,"end":1235.635,"sentiment":"neutral","sentiment_score":-0.07731990702450275},{"text":"And the closer you get to retirement, you might not need as much cover.","start":1236.61,"end":1239.89,"sentiment":"neutral","sentiment_score":-0.04486255667039326}],"sentiment":"neutral","sentiment_score":0.0241677611474953,"num_words":63,"start":1219.49,"end":1239.89},{"sentences":[{"text":"So it is something that at every annual review time, we do assess with you to see if we need to make any changes, which is, you know, nice and easy.","start":1239.89,"end":1248.5299,"sentiment":"neutral","sentiment_score":0.2692128025716351},{"text":"It's not a set and forget thing for you.","start":1248.5299,"end":1250.71,"sentiment":"neutral","sentiment_score":0.24469121297200522},{"text":"So it is important.","start":1252.035,"end":1253.175,"sentiment":"neutral","sentiment_score":0.20911737903952599},{"text":"But at least in the meantime, you will do have, you know, pretty good idiot protection in place if something were to happen to you.","start":1253.7151,"end":1259.015,"sentiment":"neutral","sentiment_score":0.15009422570466996},{"text":"Yep.","start":1259.9551,"end":1260.4551,"sentiment":"neutral","sentiment_score":0.2200162261724472}],"sentiment":"neutral","sentiment_score":0.2193808454488005,"num_words":70,"start":1239.89,"end":1260.4551},{"sentences":[{"text":"Yeah.","start":1263.4751,"end":1263.9751,"sentiment":"neutral","sentiment_score":0.10659797489643096},{"text":"Exactly.","start":1264.115,"end":1264.615,"sentiment":"neutral","sentiment_score":0.1455211043357849},{"text":"Both for you and your family, you know, if something were to happen.","start":1264.755,"end":1268.35,"sentiment":"neutral","sentiment_score":0.13598588854074478},{"text":"Now, basically, everything I've just gone over with the insurances, again, is all outlining words and everything in the SOA for you so you can kind of have a read over it when you have a moment.","start":1268.73,"end":1280.11,"sentiment":"neutral","sentiment_score":0.19404013052180008},{"text":"The last thing I do wanna mention before I let you go, Caleb, is just in regards to the remuneration.","start":1281.475,"end":1286.0549,"sentiment":"neutral","sentiment_score":0.1348376128822565}],"sentiment":"neutral","sentiment_score":0.16522462107241154,"num_words":72,"start":1263.4751,"end":1286.0549},{"sentences":[{"text":"So if you are happy to go ahead with the recommendations, they're obviously changing everything for you in Hub twenty four, moving you to to that SMA, and changing your investments and applying for insurances, there is no additional fees and charges for you.","start":1286.915,"end":1305.465,"sentiment":"neutral","sentiment_score":0.2826388904994184},{"text":"So the advice fee stays exactly the same at 1.65% from Super.","start":1305.945,"end":1312.025,"sentiment":"neutral","sentiment_score":0.2653218631943067},{"text":"So no changes or anything.","start":1312.025,"end":1313.625,"sentiment":"neutral","sentiment_score":0.061369766294956204},{"text":"All of this is that we've done.","start":1313.625,"end":1314.985,"sentiment":"neutral","sentiment_score":0.2859632074832916},{"text":"It's just part of our ongoing service for you.","start":1314.985,"end":1317.4049,"sentiment":"positive","sentiment_score":0.4029818508360121}],"sentiment":"neutral","sentiment_score":0.2799402789829613,"num_words":77,"start":1286.915,"end":1317.4049},{"sentences":[{"text":"The last thing I do wanna mention is that with insurances, we do get commission.","start":1319.16,"end":1323.1799,"sentiment":"neutral","sentiment_score":0.13451064626375833},{"text":"So we get 66% of the premium upfront, 23% ongoing.","start":1323.32,"end":1329.34,"sentiment":"neutral","sentiment_score":0.19699924439191818},{"text":"Now that is the insurer paying us, though.","start":1329.875,"end":1332.515,"sentiment":"neutral","sentiment_score":-0.0053149142768234015},{"text":"It is not you paying us.","start":1332.515,"end":1334.295,"sentiment":"neutral","sentiment_score":-0.0776355763276418},{"text":"But for compliances and to make sure that you are fully fully aware of everything, any commissions we receive, we have to disclose so that you are aware of them.","start":1334.435,"end":1342.6151,"sentiment":"neutral","sentiment_score":0.0626940796772639}],"sentiment":"neutral","sentiment_score":0.07768321385526139,"num_words":69,"start":1319.16,"end":1342.6151},{"sentences":[{"text":"But, again, it is the insurer paying us.","start":1342.71,"end":1345.11,"sentiment":"neutral","sentiment_score":-0.014366262359544635},{"text":"It is not you, and it's the same for every single insurer out there.","start":1345.11,"end":1348.95,"sentiment":"neutral","sentiment_score":-0.03788673797888415},{"text":"So it does not pay us in any way to recommend one provider over the other.","start":1348.95,"end":1353.35,"sentiment":"neutral","sentiment_score":-0.09696809109300375},{"text":"Does that make sense?","start":1353.35,"end":1354.49,"sentiment":"neutral","sentiment_score":-0.0004744059406220913},{"text":"Yeah.","start":1355.865,"end":1356.265,"sentiment":"neutral","sentiment_score":0.11261928081512453}],"sentiment":"neutral","sentiment_score":-0.04851423793060835,"num_words":43,"start":1342.71,"end":1356.265},{"sentences":[{"text":"Great.","start":1356.265,"end":1356.765,"sentiment":"positive","sentiment_score":0.6798698902130127},{"text":"Perfect.","start":1357.0651,"end":1357.5651,"sentiment":"positive","sentiment_score":0.6794755458831787},{"text":"Now that was basically most of the recommendation for you.","start":1357.7051,"end":1363.545,"sentiment":"positive","sentiment_score":0.41811213195323943},{"text":"Do you have any questions otherwise for me at this point?","start":1363.545,"end":1366.845,"sentiment":"neutral","sentiment_score":0.1420870084654201},{"text":"I know it's a little bit tricky if you can't see it, but does it kind of make sense?","start":1366.985,"end":1370.4451,"sentiment":"neutral","sentiment_score":-0.07650628391849368}],"sentiment":"neutral","sentiment_score":0.134519153673734,"num_words":42,"start":1356.265,"end":1370.4451},{"sentences":[{"text":"Yeah.","start":1372.72,"end":1373.12,"sentiment":"neutral","sentiment_score":0.09048177301883698},{"text":"Yeah.","start":1373.12,"end":1373.62,"sentiment":"neutral","sentiment_score":0.20147401094436648},{"text":"Perfect.","start":1373.84,"end":1374.34,"sentiment":"positive","sentiment_score":0.37582507729530334},{"text":"So, basically, from here, Caleb, is obviously when you have a moment, have a read through the document.","start":1375.04,"end":1380.9,"sentiment":"neutral","sentiment_score":0.22575778803891605},{"text":"If you have any questions when you read through it and you wanna have another catch up, just let me know, and I can always book you in for another discussion to go over any questions that you have.","start":1381.2001,"end":1390.2351,"sentiment":"neutral","sentiment_score":0.26749362968481505}],"sentiment":"neutral","sentiment_score":0.2527278767277797,"num_words":60,"start":1372.72,"end":1390.2351},{"sentences":[{"text":"If you do have a read over it and it all makes sense and you are happy with the recommendation, the step from here would then be to sign the documents, and you can do that by clicking on the link where it says sign out.","start":1390.535,"end":1403.16,"sentiment":"positive","sentiment_score":0.33520348499650543},{"text":"It will ask you to add your signature and a date.","start":1403.3,"end":1406.12,"sentiment":"neutral","sentiment_score":0.20715142244642432},{"text":"There is also a text box where if you do wanna make any changes to any of the recommendations, you can actually type it out.","start":1406.42,"end":1412.835,"sentiment":"neutral","sentiment_score":0.2263193553686142},{"text":"Or if there's no changes, you can just do NA or full stop.","start":1412.9149,"end":1416.215,"sentiment":"neutral","sentiment_score":0.13869435512102568},{"text":"And then once it kind of loaded, it'll come back to me, and that tells me that you are happy to go ahead.","start":1417.1549,"end":1422.755,"sentiment":"positive","sentiment_score":0.3395218279050744}],"sentiment":"neutral","sentiment_score":0.2793901567741976,"num_words":118,"start":1390.535,"end":1422.755},{"sentences":[{"text":"And I will let the team know, and we can then start the rest of the process.","start":1422.755,"end":1427.015,"sentiment":"neutral","sentiment_score":0.20103277003063874},{"text":"So I will leave that with you to obviously have a bit of a read over it.","start":1428.62,"end":1432.72,"sentiment":"neutral","sentiment_score":0.18881543944863713},{"text":"Let me know everything, and I will let the team know to get those beneficiary forms expressed posted to you as well.","start":1432.7799,"end":1440.555,"sentiment":"neutral","sentiment_score":0.16484057801690968},{"text":"Yep.","start":1442.0751,"end":1442.5751,"sentiment":"neutral","sentiment_score":0.04493990540504456},{"text":"Yes.","start":1443.3551,"end":1443.8551,"sentiment":"neutral","sentiment_score":0.05426327884197235}],"sentiment":"neutral","sentiment_score":0.17850199072011586,"num_words":58,"start":1422.755,"end":1443.8551},{"sentences":[{"text":"Correct.","start":1449.515,"end":1450.015,"sentiment":"neutral","sentiment_score":0.11338846385478972},{"text":"So, yeah, it's a very good question.","start":1469.465,"end":1471.145,"sentiment":"positive","sentiment_score":0.3397589113031115},{"text":"It is two forms.","start":1471.145,"end":1472.265,"sentiment":"neutral","sentiment_score":0.2335469275712967},{"text":"So one will be for your superannuation.","start":1472.265,"end":1474.365,"sentiment":"neutral","sentiment_score":0.1464131357414382},{"text":"One will be for your insurance.","start":1475.385,"end":1477.085,"sentiment":"neutral","sentiment_score":0.09451900174220403}],"sentiment":"neutral","sentiment_score":0.20071578055620193,"num_words":25,"start":1449.515,"end":1477.085},{"sentences":[{"text":"The only thing is because you because your one pass isn't enforced yet, I won't be able to issue those documents for your life insurance and TPD insurance just because it's not we haven't applied for it yet.","start":1477.465,"end":1492.54,"sentiment":"neutral","sentiment_score":0.0761950897346986},{"text":"Yeah.","start":1494.585,"end":1495.085,"sentiment":"neutral","sentiment_score":-0.023493492975831032},{"text":"Correct.","start":1496.425,"end":1496.925,"sentiment":"neutral","sentiment_score":0.13804373145103457},{"text":"We can still send you out the hub 24, though.","start":1497.065,"end":1499.625,"sentiment":"neutral","sentiment_score":0.16217816025018691},{"text":"And then if you're obviously happy with your one part insurance, as soon as we've applied for it, we can then send you those forms, and that is a separate nomination.","start":1499.625,"end":1508.19,"sentiment":"neutral","sentiment_score":0.19500031971162365}],"sentiment":"neutral","sentiment_score":0.131811792122913,"num_words":81,"start":1477.465,"end":1508.19},{"sentences":[{"text":"So what you can do if you want, some people do the same split across both, some do different, some through one person for super, another for insurance because it is different.","start":1508.25,"end":1517.1499,"sentiment":"neutral","sentiment_score":0.0767179518006742},{"text":"So you basically get get it through.","start":1517.45,"end":1519.5499,"sentiment":"neutral","sentiment_score":0.045925753457205634},{"text":"Yeah.","start":1522.155,"end":1522.235,"sentiment":"neutral","sentiment_score":-0.011755190789699554},{"text":"Yes.","start":1522.235,"end":1522.735,"sentiment":"neutral","sentiment_score":0.043303269892930984},{"text":"Yes.","start":1524.555,"end":1525.055,"sentiment":"neutral","sentiment_score":0.04013272374868393}],"sentiment":"neutral","sentiment_score":0.06781275082556974,"num_words":42,"start":1508.25,"end":1525.055},{"sentences":[{"text":"Yeah.","start":1528.155,"end":1528.655,"sentiment":"neutral","sentiment_score":0.006037034094333649},{"text":"Yeah.","start":1531.435,"end":1531.675,"sentiment":"neutral","sentiment_score":0.00314985029399395},{"text":"Yeah.","start":1531.675,"end":1532.175,"sentiment":"neutral","sentiment_score":0.01731562241911888},{"text":"Yeah.","start":1532.74,"end":1533.24,"sentiment":"neutral","sentiment_score":0.027514293789863583},{"text":"Yeah.","start":1537.38,"end":1537.86,"sentiment":"neutral","sentiment_score":0.24033185839653015}],"sentiment":"neutral","sentiment_score":0.058869731798768046,"num_words":5,"start":1528.155,"end":1537.86},{"sentences":[{"text":"Yeah.","start":1537.86,"end":1538.0199,"sentiment":"neutral","sentiment_score":0.28678199648857117},{"text":"You can definitely yeah.","start":1538.0199,"end":1540.58,"sentiment":"positive","sentiment_score":0.41836126148700714},{"text":"Perfect.","start":1540.58,"end":1540.8999,"sentiment":"positive","sentiment_score":0.8490971922874451},{"text":"I'll get the team to express post those tomorrow for you.","start":1540.8999,"end":1544.2,"sentiment":"positive","sentiment_score":0.5950191048058596},{"text":"If there's anything else that you do need, though, at any point in time, don't hesitate to give me a call or or send me an email.","start":1544.82,"end":1551.265,"sentiment":"neutral","sentiment_score":0.14638023119833735}],"sentiment":"neutral","sentiment_score":0.30242728704417293,"num_words":44,"start":1537.86,"end":1551.265},{"sentences":[{"text":"Okay?","start":1551.265,"end":1551.765,"sentiment":"neutral","sentiment_score":0.12909621000289917},{"text":"No problem at all, Caleb.","start":1554.145,"end":1555.425,"sentiment":"positive","sentiment_score":0.7231574535369873},{"text":"I hope you enjoy the rest of your afternoon, and I look forward to speaking with you soon again.","start":1555.425,"end":1559.525,"sentiment":"positive","sentiment_score":0.7868637034767553},{"text":"Thank you so much.","start":1563.6089,"end":1564.4089,"sentiment":"positive","sentiment_score":0.8225015699863434},{"text":"We'll speak soon.","start":1564.4089,"end":1565.4689,"sentiment":"positive","sentiment_score":0.3700062533219655}],"sentiment":"positive","sentiment_score":0.7217287151142955,"num_words":32,"start":1551.265,"end":1565.4689},{"sentences":[{"text":"Okay.","start":1566.7289,"end":1567.209,"sentiment":"neutral","sentiment_score":0.1323474943637848},{"text":"Bye.","start":1567.209,"end":1567.584,"sentiment":"neutral","sentiment_score":-0.1248948872089386}],"sentiment":"neutral","sentiment_score":0.0037263035774230957,"num_words":2,"start":1566.7289,"end":1567.584}]}}]},{"alternatives":[{"transcript":"Hello? Yeah. It is. Yeah. Not too bad. Give me one second. I'm just driving at the moment. I'm just gonna put it into my end file. Sure thing. Turn it off. Just a second. Hold up. Yeah. That was. Caleb Bryce, Cromwell, the first and twelve nineteen eighty eight. 5 For Heath, Top, Cork, Lakeview 5114. It's been stressful, but, yeah, getting there. Yeah. On my way home. Can you follow-up? Can you just turn that down a little bit? I'm on the phone. I just dropped my eldest daughter. We're straight to a sleepover afterwards, and now I'm heading home with my other daughter. Yep. Yep. Yep. Yeah. That works. Yep. Yep. Yep. Yes. Okay. Yep. Yes. Yep. Yeah. Yeah. Yeah. Please, ma'am. I've been I've been waiting to get the income to to what I got from you guys. But, yeah, that's what I had to pay until I was five. So that's in December. There is one other thing with the beneficiary because I've got so I've got a split fifty fifty between my kids, but I'd like to go 25% between my kids and then 50% to my partner. Because we when I set that up, I was living with my partner, and we now have we now have, like, an extensive amount of debt between us. Right? In the terms of I'm I'm on her mortgage. We've also got finance on veranda and stuff, and I'm holding more renovations that we're doing. So it's not necessarily a debt at this stage, but if there was something to happen to me, she would be left with nothing from me being with her. So yeah. Yep. Yep. Yep. Not a 100 percent. Not really. But, yeah, it'll be it'll be better if you could send me out a hard copy. Yep. Yep. And then I'll yeah. I'll get that sorted. Yep. Yeah. Yep. Yep. Yep. Yeah. I'm about to I'm about to drive to a bit of a bad patch on the highway, but I will stay on the high. But, yeah, I may not hear suspects these days or and you may not hear me if, probably the next next minute or so. Yeah. Yeah. Alright. Go hang up. Yeah. Yeah. Yeah. Yeah. But I'm also I've just got an employee with my buddy. So he's actually paying into my super account now too as well. So, yeah, so that sort of will cancel. I think before, it's like all the fees and everything were getting chewed out of my super. Well, now I've actually got money going into that every single week, which is amazing. Yep. Yep. Yep. Yeah. Yeah. Yep. Yep. Yep. Yep. Yep. Yeah. Yeah. Yeah. Yeah. Definitely. Yep. Yep. Yep. Yeah. Well, the other the other thing being there too is if something does happen to me in the term of what hurting myself while I'm working for my mate, I'll be covered under his work cover anyway rather than having to go into my own instantly going to my own income potential. That's not necessarily the case. That's more than likely only going to be an issue if I hurt myself when I'm working for myself. So yeah. That sort of yep. Yeah. Like, that that's the thing. Yeah. That's that's what I was thinking. Like, because I I was talking to one person that said, why would you bother getting income protection if you're gonna be working for someone to be under work cover? And I said, yeah. But what if I bloody break my leg on the weekend when I'm out on the horse? And they're like, oh. Yeah. I said, tell you I said, shut your mouth, and don't tell me how to lift my arm. Yeah. Yes. Yeah. No. I guess. Yeah. Yeah. Yeah. Yeah. Yeah. Okay. Yeah. Yes. Awesome. Yeah. Yep. Yep. Yep. Yep. Awesome. Yeah. That's cool. But just pay the month. So yeah. Yeah. Exactly. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yeah. Yeah. Yeah. Yeah. Yep. No worries. Nope. Yeah. Start that for them. Yep. Yep. Yep. Yeah. No worries. Yeah. Yeah. Just one one quick question would be so, obviously, my life insurance and my super are two different things. So, yeah, it might even it might even pay for when you send the beneficiaries out, would that be two forms? So one will be like, will I dedicate my life insurance to go and will I dedicate my super to go, or do they all have to be broken down into the one the one beneficiary sort of thing? Yeah. Yeah. Awesome. Yep. Yeah. It's not actually it's not actually Karen. Yeah. Yep. Yep. Yeah. Yeah. Because it's like because my life insurance is so much more than what I have in super, I would probably just leave my super 100% to my partner. And then more more or less of the life insurance for my kids rather than that. So, yeah, that's what I'm thinking at this stage. But, yeah, no worries. If you send those forms out, that'd be fantastic. No worries at all. Thank you. No worries. I will do it, and you too. Enjoy your afternoon. 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Yeah. It is. Yeah. Not too bad.\n\nGive me one second. I'm just driving at the moment. I'm just gonna put it into my end file. Sure thing. Turn it off.\n\nJust a second. Hold up. Yeah. That was. Caleb Bryce, Cromwell, the first and twelve nineteen eighty eight.\n\n5 For Heath, Top, Cork, Lakeview 5114. It's been stressful, but, yeah, getting there. Yeah. On my way home. Can you follow-up?\n\nCan you just turn that down a little bit? I'm on the phone. I just dropped my eldest daughter. We're straight to a sleepover afterwards, and now I'm heading home with my other daughter. Yep.\n\nYep. Yep. Yeah. That works. Yep.\n\nYep. Yep. Yes. Okay. Yep.\n\nYes. Yep. Yeah. Yeah. Yeah.\n\nPlease, ma'am. I've been I've been waiting to get the income to to what I got from you guys. But, yeah, that's what I had to pay until I was five. So that's in December. There is one other thing with the beneficiary because I've got so I've got a split fifty fifty between my kids, but I'd like to go 25% between my kids and then 50% to my partner.\n\nBecause we when I set that up, I was living with my partner, and we now have we now have, like, an extensive amount of debt between us. Right? In the terms of I'm I'm on her mortgage. We've also got finance on veranda and stuff, and I'm holding more renovations that we're doing. So it's not necessarily a debt at this stage, but if there was something to happen to me, she would be left with nothing from me being with her.\n\nSo yeah. Yep. Yep. Yep. Not a 100 percent.\n\nNot really. But, yeah, it'll be it'll be better if you could send me out a hard copy. Yep. Yep. And then I'll yeah.\n\nI'll get that sorted. Yep. Yeah. Yep. Yep.\n\nYep. Yeah. I'm about to I'm about to drive to a bit of a bad patch on the highway, but I will stay on the high. But, yeah, I may not hear suspects these days or and you may not hear me if, probably the next next minute or so. Yeah.\n\nYeah. Alright. Go hang up. Yeah. Yeah.\n\nYeah. Yeah. But I'm also I've just got an employee with my buddy. So he's actually paying into my super account now too as well. So, yeah, so that sort of will cancel.\n\nI think before, it's like all the fees and everything were getting chewed out of my super. Well, now I've actually got money going into that every single week, which is amazing. Yep. Yep. Yep.\n\nYeah. Yeah. Yep. Yep. Yep.\n\nYep. Yep. Yeah. Yeah. Yeah.\n\nYeah. Definitely. Yep. Yep. Yep.\n\nYeah. Well, the other the other thing being there too is if something does happen to me in the term of what hurting myself while I'm working for my mate, I'll be covered under his work cover anyway rather than having to go into my own instantly going to my own income potential. That's not necessarily the case. That's more than likely only going to be an issue if I hurt myself when I'm working for myself. So yeah.\n\nThat sort of yep. Yeah. Like, that that's the thing. Yeah. That's that's what I was thinking.\n\nLike, because I I was talking to one person that said, why would you bother getting income protection if you're gonna be working for someone to be under work cover? And I said, yeah. But what if I bloody break my leg on the weekend when I'm out on the horse? And they're like, oh. Yeah.\n\nI said, tell you I said, shut your mouth, and don't tell me how to lift my arm. Yeah. Yes. Yeah. No.\n\nI guess. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Okay. Yeah. Yes. Awesome.\n\nYeah. Yep. Yep. Yep. Yep.\n\nAwesome. Yeah. That's cool. But just pay the month. So yeah.\n\nYeah. Exactly. Yep. Yep. Yep.\n\nYep. Yep. Yep. Yep. Yeah.\n\nYeah. Yeah. Yeah. Yep. No worries.\n\nNope. Yeah. Start that for them. Yep. Yep.\n\nYep. Yeah. No worries. Yeah. Yeah.\n\nJust one one quick question would be so, obviously, my life insurance and my super are two different things. So, yeah, it might even it might even pay for when you send the beneficiaries out, would that be two forms? So one will be like, will I dedicate my life insurance to go and will I dedicate my super to go, or do they all have to be broken down into the one the one beneficiary sort of thing? Yeah. Yeah.\n\nAwesome. Yep. Yeah. It's not actually it's not actually Karen. Yeah.\n\nYep. Yep. Yeah. Yeah. Because it's like because my life insurance is so much more than what I have in super, I would probably just leave my super 100% to my partner.\n\nAnd then more more or less of the life insurance for my kids rather than that. So, yeah, that's what I'm thinking at this stage. But, yeah, no worries. If you send those forms out, that'd be fantastic. No worries at all.\n\nThank you. No worries. I will do it, and you too. Enjoy your afternoon. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.5999999,"end":2.1,"sentiment":"neutral","sentiment_score":0.0584016777575016},{"text":"Yeah.","start":5.2799997,"end":5.6,"sentiment":"neutral","sentiment_score":0.10691244900226592},{"text":"It is.","start":5.6,"end":6.18,"sentiment":"neutral","sentiment_score":0.12229343131184578},{"text":"Yeah.","start":9.76,"end":9.92,"sentiment":"neutral","sentiment_score":0.08200987428426743},{"text":"Not too bad.","start":9.92,"end":10.559999,"sentiment":"neutral","sentiment_score":0.09935684005419414}],"sentiment":"neutral","sentiment_score":0.09874767297878861,"num_words":8,"start":1.5999999,"end":10.559999},{"sentences":[{"text":"Give me one second.","start":10.559999,"end":11.46,"sentiment":"neutral","sentiment_score":0.04344712104648352},{"text":"I'm just driving at the moment.","start":12.96,"end":14.4,"sentiment":"neutral","sentiment_score":0.04024046721557776},{"text":"I'm just gonna put it into my end 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them.","start":1371.57,"end":1372.69,"sentiment":"neutral","sentiment_score":0.04322430305182934},{"text":"Yep.","start":1372.69,"end":1373.09,"sentiment":"neutral","sentiment_score":0.07769519090652466},{"text":"Yep.","start":1373.09,"end":1373.59,"sentiment":"neutral","sentiment_score":0.1026974320411682}],"sentiment":"neutral","sentiment_score":0.03812502883374691,"num_words":8,"start":1367.655,"end":1373.59},{"sentences":[{"text":"Yep.","start":1385.805,"end":1386.305,"sentiment":"neutral","sentiment_score":0.23962704837322235},{"text":"Yeah.","start":1403.66,"end":1404.16,"sentiment":"neutral","sentiment_score":0.23301222920417783},{"text":"No worries.","start":1427.89,"end":1428.71,"sentiment":"neutral","sentiment_score":0.2067601978778839},{"text":"Yeah.","start":1439.3151,"end":1439.8151,"sentiment":"neutral","sentiment_score":0.13970980048179626},{"text":"Yeah.","start":1441.155,"end":1441.475,"sentiment":"neutral","sentiment_score":0.06625359505414963}],"sentiment":"neutral","sentiment_score":0.18202051147818565,"num_words":6,"start":1385.805,"end":1441.475},{"sentences":[{"text":"Just one one quick question would be so, obviously, my life insurance and my super are two different things.","start":1441.475,"end":1448.855,"sentiment":"neutral","sentiment_score":0.034847618031658624},{"text":"So, yeah, it might even it might even pay for when you send the beneficiaries out, would that be two forms?","start":1450.515,"end":1458.05,"sentiment":"neutral","sentiment_score":0.08093343533220745},{"text":"So one will be like, will I dedicate my life insurance to go and will I dedicate my super to go, or do they all have to be broken down into the one the one beneficiary sort of thing?","start":1458.05,"end":1469.775,"sentiment":"neutral","sentiment_score":0.06723103127800502},{"text":"Yeah.","start":1477.215,"end":1477.615,"sentiment":"neutral","sentiment_score":0.12228724360466003},{"text":"Yeah.","start":1477.615,"end":1477.775,"sentiment":"neutral","sentiment_score":0.17415857315063477}],"sentiment":"neutral","sentiment_score":0.0651871965577205,"num_words":81,"start":1441.475,"end":1477.775},{"sentences":[{"text":"Awesome.","start":1477.775,"end":1478.275,"sentiment":"positive","sentiment_score":0.41271936893463135},{"text":"Yep.","start":1483.2,"end":1483.7,"sentiment":"neutral","sentiment_score":0.12502352893352509},{"text":"Yeah.","start":1492.5599,"end":1492.7999,"sentiment":"neutral","sentiment_score":0.0038904696702957153},{"text":"It's not actually it's not actually Karen.","start":1492.7999,"end":1495.6,"sentiment":"neutral","sentiment_score":-0.020626815435077463},{"text":"Yeah.","start":1495.6,"end":1495.9199,"sentiment":"neutral","sentiment_score":0.033549416810274124}],"sentiment":"neutral","sentiment_score":0.03916318875483491,"num_words":11,"start":1477.775,"end":1495.9199},{"sentences":[{"text":"Yep.","start":1495.9199,"end":1496.4199,"sentiment":"neutral","sentiment_score":0.06755165010690689},{"text":"Yep.","start":1503.6849,"end":1504.1849,"sentiment":"neutral","sentiment_score":0.1452522873878479},{"text":"Yeah.","start":1517.77,"end":1518.01,"sentiment":"neutral","sentiment_score":0.0672498494386673},{"text":"Yeah.","start":1518.01,"end":1518.25,"sentiment":"neutral","sentiment_score":0.052795179188251495},{"text":"Because it's like because my life insurance is so much more than what I have in super, I would probably just leave my super 100% to my partner.","start":1518.25,"end":1527.47,"sentiment":"neutral","sentiment_score":0.004356395719306809}],"sentiment":"neutral","sentiment_score":0.014213376445695758,"num_words":32,"start":1495.9199,"end":1527.47},{"sentences":[{"text":"And then more more or less of the life insurance for my kids rather than that.","start":1527.8351,"end":1534.395,"sentiment":"neutral","sentiment_score":0.00960027752444148},{"text":"So, yeah, that's what I'm thinking at this stage.","start":1534.395,"end":1536.4751,"sentiment":"neutral","sentiment_score":0.08787371880478329},{"text":"But, yeah, no worries.","start":1536.4751,"end":1537.435,"sentiment":"neutral","sentiment_score":0.15165798738598824},{"text":"If you send those forms out, that'd be fantastic.","start":1537.435,"end":1539.6951,"sentiment":"positive","sentiment_score":0.4369005593988631},{"text":"No worries at all.","start":1552.215,"end":1553.015,"sentiment":"neutral","sentiment_score":0.30347589403390884}],"sentiment":"neutral","sentiment_score":0.15945496356913022,"num_words":42,"start":1527.8351,"end":1553.015},{"sentences":[{"text":"Thank you.","start":1553.015,"end":1559.835,"sentiment":"positive","sentiment_score":0.548421248793602},{"text":"No worries.","start":1559.895,"end":1560.615,"sentiment":"positive","sentiment_score":0.4258922040462494},{"text":"I will do it, and you too.","start":1560.615,"end":1561.975,"sentiment":"positive","sentiment_score":0.6435622572898865},{"text":"Enjoy your afternoon.","start":1561.975,"end":1562.875,"sentiment":"positive","sentiment_score":0.7024216254552206},{"text":"Bye.","start":1566.0549,"end":1566.5549,"sentiment":"neutral","sentiment_score":0.16800355911254883}],"sentiment":"positive","sentiment_score":0.5819220761458079,"num_words":15,"start":1553.015,"end":1566.5549}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good afternoon. Is this Caleb?\n\nChannel 1: Yeah. It is.\n\nChannel 0: This is Veronica from Financial. How are you?\n\nChannel 1: Yeah. Not too bad. Give me one second.\n\nChannel 0: Sure.\n\nChannel 1: I'm just driving at the moment. I'm just gonna put it into my end file.\n\nChannel 0: Yeah. Sure. Take your time.\n\nChannel 1: Sure thing. Turn it off. Just a second. Hold up.\n\nChannel 0: Yes. Can you hear me okay? Perfect. Now, Kayla, before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.\n\nChannel 1: Yeah. That was.\n\nChannel 0: Yep. Perfect. And just to confirm I am speaking with the right person, could I just get you to confirm your full name, date of birth, and address for me, please?\n\nChannel 1: Caleb Bryce, Cromwell, the first and twelve nineteen eighty eight. 5 For Heath, Top, Cork, Lakeview 5114.\n\nChannel 0: Yep. Perfect. That's exactly what I have here. How's your day been? Been busy?\n\nChannel 1: It's been stressful, but, yeah,\n\nChannel 0: Oh,\n\nChannel 1: getting\n\nChannel 0: really?\n\nChannel 1: there.\n\nChannel 0: At the\n\nChannel 1: Yeah.\n\nChannel 0: end, on your way on your way home now or on your way through another job or anything?\n\nChannel 1: On my way home. Can you\n\nChannel 0: Okay.\n\nChannel 1: follow-up? Can you just turn that down a little bit? I'm on the phone. I just dropped my eldest daughter. We're straight to a sleepover afterwards, and now I'm heading home with my other daughter.\n\nChannel 0: Busy. Busy.\n\nChannel 1: Yep.\n\nChannel 0: Well, if you're happy for me to run through the document while you are on the phone, I can make it a click for you and just go through the most important parts. And then,\n\nChannel 1: Yep.\n\nChannel 0: obviously, when you have a bit more time and you can actually look at the document, please have a read\n\nChannel 1: Yep.\n\nChannel 0: through it. And if you then have any other questions or anything like that, you can always give me a callback, and we can go through it. Is that okay?\n\nChannel 1: Yeah. That works.\n\nChannel 0: Yes. Perfect. So I have to send you an email with the document. So like I said, when you have a moment later, and it's obviously safe to do so, jump\n\nChannel 1: Yep.\n\nChannel 0: on the email for me. Now you will see before you click on the link where it says sign now, you will see a couple of attachments. Now this is just for your reference. So all the research materials and everything has been attached there for you as well\n\nChannel 1: Yep.\n\nChannel 0: as the supporting product disclosure statements. So basically everything that you need to know about anything I have recommended today, essentially.\n\nChannel 1: Yep.\n\nChannel 0: Otherwise, when you do click on the link process sign now, it will actually allow you to open up the documents first to have a look at it before it prompts you to sign anything. So that is the documents I'm kind of running through with you today.\n\nChannel 1: Yes. Okay.\n\nChannel 0: Now when you have a have a look at it, like I said, it is quite long. A lot of it is compliant, so I'll try to make it as brief as I can for you.\n\nChannel 1: Yep.\n\nChannel 0: You will see in the document, though, you will see on the cover page my details that you will have my authorized representative number listed, and I am licensed under OQ Financial. Otherwise, every time we do make a recommendation on financial products or give you personalized advice, we do have to put everything in this statement of advice for you so that you are fully aware everything And all the recommendations and everything that we do have to follow that best interest duty, which basically just means that we have to act in your best interest at all time, and the advice itself has to put you in a better position as a result of the advice. Otherwise, we can't actually make the recommendation. Does that make sense?\n\nChannel 1: Yes.\n\nChannel 0: Yeah. Perfect. Now it is pretty straightforward today. Sorry. What what we are kind of looking at so the two different strategies we're looking at today is your different strategies we're looking at today is your superannuation first, see if we can get everything consolidated for you so that you only have the one super fund open and make it nice and easy.\n\nAlso reviewing some of your investments to kinda change some around reviewing the SMA and see if that was going to be a good option for you. And then the other strategy is your insurances. Trying to get that sorted for you, especially that income protection and PCD insurance to make sure that you do have that cover in place if something were to happen. Do you kind of remember that conversation?\n\nChannel 1: Yep. Yeah. Yeah. Yeah. Please,\n\nChannel 0: Yeah.\n\nChannel 1: ma'am. I've been\n\nChannel 0: Yeah.\n\nChannel 1: I've been waiting to get the income to to what I got from you guys. But, yeah, that's what I had to pay until I was five. So that's\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: in December. There is one other thing with the beneficiary because I've got so I've got a split fifty fifty between my kids,\n\nChannel 0: Yes.\n\nChannel 1: but I'd like to go 25% between my kids and then 50% to my partner. Because we when I set that up, I was living with my partner, and\n\nChannel 0: Okay.\n\nChannel 1: we now have we now have, like, an extensive amount of debt between us.\n\nChannel 0: Okay.\n\nChannel 1: Right? In the terms of I'm I'm on her mortgage. We've also got finance on veranda and stuff, and I'm holding more renovations that we're doing. So it's not necessarily a debt at this stage, but\n\nChannel 0: Yep.\n\nChannel 1: if there was something to happen to me,\n\nChannel 0: Yeah.\n\nChannel 1: she would be left with nothing\n\nChannel 0: Yeah.\n\nChannel 1: from me being\n\nChannel 0: Okay.\n\nChannel 1: with her. So\n\nChannel 0: Okay. Yeah. And\n\nChannel 1: yeah.\n\nChannel 0: that's totally fine. So so what I'll do is I will get the team to send those form out to you. Because\n\nChannel 1: Yep.\n\nChannel 0: you are making a legal nomination, you have to complete them and get them website.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Now do you have access to a printer at all? Because\n\nChannel 1: Not\n\nChannel 0: if\n\nChannel 1: a\n\nChannel 0: not,\n\nChannel 1: 100\n\nChannel 0: I\n\nChannel 1: percent. Not really. But,\n\nChannel 0: No.\n\nChannel 1: yeah, it'll\n\nChannel 0: No.\n\nChannel 1: be it'll be better if you could send me out a hard copy.\n\nChannel 0: Yeah. Of course.\n\nChannel 1: Yep. Yep. And\n\nChannel 0: I will\n\nChannel 1: then\n\nChannel 0: get\n\nChannel 1: I'll\n\nChannel 0: that,\n\nChannel 1: yeah. I'll get that sorted.\n\nChannel 0: yeah, I will get the team to express post that for you just to make sure, obviously, we get everything sorted. You can upload those documents definitely to be 50% your partner and 25%\n\nChannel 1: Yep.\n\nChannel 0: through your partner. And you're happy for that through, obviously, the email posted to that five heat\n\nChannel 1: Yeah.\n\nChannel 0: courts. Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. We will get that express posted probably tomorrow, because it's kind of the the process been for today. But I'll get the team to express post those for you tomorrow, and we'll get that all sorted. And now with the superannuation side of it, so I have made a recommendation. Now I did research your superannuation as well.\n\nJust making sure if hub twenty four was still going to be the best option or if there were any other competitive options out there for you. And when doing all the research, hub twenty four still very much came out as a really competitive option. So I have recommended that you stay in hub twenty four. It's quite competitive when it comes to, you know, the fees and features and all the investment choices. So it's still very much competitive.\n\nI use Hub twenty four for my personal super as well, but not really making any changes through the platform itself. Now I did look at the SMA to see if that was going to be a good fit for you when it comes to, obviously, fees and returns and everything like that. And that gives us that flexibility with investment choices that we can very quickly, if need be, especially when the market has been a little bit up and down the last twelve months, make quickly those investment changes for you in the back end without kind of having to go through this process. So when I did kind of review everything, so all the other options for you, the the SMA was actually really suitable for you. So\n\nChannel 1: Yep.\n\nChannel 0: I have recommended that we change you to the SMA. Now it's still within Hub 24, and we would do all the changes in the back end. For, yeah, for you, how it changes things is when you have a moment, it's everything is basically outlined on page 19. So you will see a bit of a table with all the numbers and figures and everything. And this shows everything very well that by actually making the switch to the SMA, what we can do is we can actually change the product menu that you are on with hub twenty four.\n\nAnd we can change it to a slightly cheaper one, which is good. So you will save about a $180 a year in admin fees alone. So that's really good. And in the investment fees, the the SMA is a little bit cheaper than your current portfolio as well. So you are saving about $230 a year in investment fees as well.\n\nSo it is kind of reducing the cost a little bit for you as well as obviously streamlining that process. Now when it comes to the returns on the investment as well. So your current portfolio, and I've used kind of f five via rolling average time frame\n\nChannel 1: Yep.\n\nChannel 0: to doing the projections to give us a little bit more certainty of what's kind of happened in the market. Now there's obviously no guarantees with the market and the returns because anything can happen, but that is why we use a five year time frame because it does give us a little bit more certainty of the market and the portfolio as well. Does that make sense?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Perfect. So, basically,\n\nChannel 1: I'm about\n\nChannel 0: your car.\n\nChannel 1: to I'm about\n\nChannel 0: Yeah.\n\nChannel 1: to drive to a bit of a bad patch on the highway, but I will\n\nChannel 0: Okay.\n\nChannel 1: stay on the high. But, yeah, I\n\nChannel 0: Okay.\n\nChannel 1: may not hear suspects these days or and you may not hear me if,\n\nChannel 0: Okay.\n\nChannel 1: probably\n\nChannel 0: Yeah.\n\nChannel 1: the next next minute or so.\n\nChannel 0: Okay. If it happens, I'll just stay put if I lose\n\nChannel 1: Yeah.\n\nChannel 0: you.\n\nChannel 1: Yeah. Alright. Go hang up. Yeah.\n\nChannel 0: Yeah. Perfect. Now your current portfolio, otherwise, Caleb, has performed on that five year average per year about 8.18%. And the SMA has done about 11.14%. So it's about a 3.96 better than your current portfolio, which does make a pretty big difference as well as it being cheaper for you.\n\nNow I have kind of projected that forward for about five and ten years to show you. And in a five year time frame, it's about 11,964 thousand difference, which is pretty good, and this also includes your new insurance policy. So factoring in that the insurances will come out. So so that's a pretty good outcome from your superannuation. Now I do wanna mention that when we are making changes to your investment, there will be some capital gains tax on the earnings from your investment.\n\nNow we're trying to minimize that as much as possible for you. And by making the switch to the SMA, it's only around $578. So it's not too bad, and it's just tax that will come out of your superannuation. Does that make sense?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yeah. Perfect. But because you're kind of saving about $414 a year in fees alone, very quickly, you can obviously, make up the the the tax that will come out and also the outperformance.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: But\n\nChannel 0: kind\n\nChannel 1: I'm\n\nChannel 0: of\n\nChannel 1: also I've just got an employee with my buddy. So he's\n\nChannel 0: yep.\n\nChannel 1: actually paying into my super account now too as well. So,\n\nChannel 0: Yes.\n\nChannel 1: yeah, so that sort of will cancel. I think before,\n\nChannel 0: Yes.\n\nChannel 1: it's like all the fees and\n\nChannel 0: Yes.\n\nChannel 1: everything were getting chewed out of my super. Well, now I've actually got money going into that every single week, which is amazing.\n\nChannel 0: Exactly. And when I kind of run the numbers of, you know, you gave me a really good detailed breakdown last time about, the the rates and everything like that. And\n\nChannel 1: Yep.\n\nChannel 0: on a yearly basis after tax from your employer now, it will be about 4,464, which does make a pretty big difference, like you said. Yeah. Now when it comes to the super recommendation as well, everything that I've kind of gone over with you is also outlined in words in a strategy format for you. So take your time. Have a read over it.\n\nIt explains a bit more in-depth the reasoning behind everything as well. It outlines kind of all the advantages in regards to the recommendation, which I've touched on. Also, some disadvantage, which is mainly that capital gains tax for you. But also some risks to be mindful of is that there's always a level of risk associated with any investment. But the really good thing with the SMA structure is that we can very quickly manage and make those changes for you if need be.\n\nAnd, obviously, joining with BlackRock, we have access to all of that research and everything for you. So, basically, moving forward, if we need to make any changes to your portfolio, we can very quickly make that in the back end without having to go through this process. We can still obviously notify you of the changes. And when you do log in through your Hub twenty four account, you will see a breakdown of the estimate. So there's a a split of two different portfolios, and it's 70% into one and thirty into the other.\n\nReason being is that we wanna keep you around that growth portfolio. So we'd not wanna make any changes to your risk tolerance or anything like that. Still keeping you within your risk of a growth investor, which is very suitable for you and kind of aligns with your risk tolerance and time frame. And that breakdown basically gives us that 20% to your asset allocation, which you will also see in a table format. So when you do go into Hub 24, if you click on the the headings of the SMA, it will actually still show you all the underlying investment in the back end.\n\nSo you can still see them when you do log in to your account. Does that make sense? Do you have any questions before I kind of move on through your insurances? No. Yes.\n\nExactly. And then if you have any questions, you can always give me a callback or send me an email, or we can book book up another little follow-up to see what your thoughts and everything is when you have a bit more time. But with your insurances, sorry. Has any of your goals or anything changed in terms of how much coverage you want, or is still about no. That's still they're still about the same?\n\nYeah. Yeah. And it yeah. And it's still a decent amount. So what we are looking at is 625,000\n\nChannel 1: Yep.\n\nChannel 0: worth of life and total permanent disability. So that would obviously pay out a big chunk of any debt\n\nChannel 1: Yep.\n\nChannel 0: that's outstanding. It will cover your income for a couple of years as well if something obviously were to happen to you. So\n\nChannel 1: Yeah.\n\nChannel 0: I have recommended one pass again for you. So I know you currently have a live policy with them,\n\nChannel 1: Yeah.\n\nChannel 0: but I have recommended to cancel that one and apply for\n\nChannel 1: Yep.\n\nChannel 0: another one. The reason\n\nChannel 1: Yep.\n\nChannel 0: being is that the way that I have it structured is to try to make it as affordable for you when it comes to price. So I have your life and total permanent disability linked together under one policy. What\n\nChannel 1: Yep. Yep.\n\nChannel 0: that means is that if you were to claim on TPD, it will cancel your life policy. But what I have added in is a buyback option, which is that after twelve months, your life cover will be reinstated for you. So it\n\nChannel 1: Yep.\n\nChannel 0: just means there's a little bit more affordable at having it structured\n\nChannel 1: Yeah.\n\nChannel 0: this way.\n\nChannel 1: Yeah.\n\nChannel 0: Does that make sense?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Definitely.\n\nChannel 0: Perfect.\n\nChannel 1: Yep.\n\nChannel 0: And I have also been able to add an income protection policy for you. Now it was a little bit tricky to see how much I could cover you for based on, obviously, your your two jobs and being the self employed and stuff like that. So the good thing\n\nChannel 1: Yep.\n\nChannel 0: is that now that you are working under someone, I can cover\n\nChannel 1: Yep.\n\nChannel 0: that income, which is good because that is a little bit higher for you and\n\nChannel 1: Yeah.\n\nChannel 0: a bit\n\nChannel 1: Well,\n\nChannel 0: more\n\nChannel 1: the other\n\nChannel 0: consistent.\n\nChannel 1: the other thing being there too is if something does happen to me in the term of what hurting myself while I'm working for my mate,\n\nChannel 0: Yeah.\n\nChannel 1: I'll be covered under his work cover anyway\n\nChannel 0: Yes.\n\nChannel 1: rather than\n\nChannel 0: Yes.\n\nChannel 1: having to go into my own instantly going to my own income potential. That's not necessarily the case. That's\n\nChannel 0: Yes.\n\nChannel 1: more than likely only going to be an issue if I hurt myself when I'm working for myself. So yeah. That\n\nChannel 0: And,\n\nChannel 1: sort\n\nChannel 0: also, it's also it's also if any illness happens. So income protection is not restricted to if you're just at work.\n\nChannel 1: of\n\nChannel 0: It's\n\nChannel 1: yep.\n\nChannel 0: if anything were to happen. So if you have any illnesses or injuries\n\nChannel 1: Yeah. Like,\n\nChannel 0: or anything\n\nChannel 1: that that's the thing. Yeah. That's that's what I was thinking. Like, because\n\nChannel 0: Yes.\n\nChannel 1: I I was talking to one person that said, why would you bother getting income protection if you're gonna be working for someone to be under work cover? And I said, yeah. But what if I bloody break my\n\nChannel 0: Yeah.\n\nChannel 1: leg on the weekend when I'm out on the horse?\n\nChannel 0: Ex\n\nChannel 1: And they're\n\nChannel 0: exactly.\n\nChannel 1: like, oh. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: I said, tell you I said, shut your mouth, and don't tell me how to lift my arm. Yeah.\n\nChannel 0: 100%. And that's exactly like, if you or if you're in a car accident or, you know, you take up a snowboarding or skydiving or whatever it might be and something woulda happened and you break your leg, You never know. But, basically, that's that's exactly right. So anything any illness or injuries or anything that happens that prevents you from working, that's when the income protection would come in. So with the income protection, I've been\n\nChannel 1: Yes.\n\nChannel 0: able to do a monthly benefit of about 2,552. That would obviously give you a little bit of an income. It can't cover everything, but it still gives you a bit of an income as a buffer\n\nChannel 1: Yeah.\n\nChannel 0: if something were\n\nChannel 1: No.\n\nChannel 0: to\n\nChannel 1: I\n\nChannel 0: happen.\n\nChannel 1: guess. Yeah. Yeah. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Now the good thing with OnePath as well is that I have done the thirty day waiting period, so the lower end. And I know as well that having another thirty days in arrears is important to you because, obviously, waiting sixty days is is quite long. So\n\nChannel 1: Yeah.\n\nChannel 0: the good thing with OnePath is that only OnePath and another provider, Zurich, offers this, everyone else does the thirty days, is that they actually only pay fifteen days in arrears. So that means that\n\nChannel 1: Okay.\n\nChannel 0: instead of waiting sixty days, you wait forty five days. And\n\nChannel 1: Yeah.\n\nChannel 0: there's no additional charge. It's just kind of built in as a benefit. So that is a really good thing. And with OnePath as well, most insurers only do two years, five years, or age 65, but one path actually does six years. So you basically get another year for for it, which is great.\n\nSo I've been able to cover you for for six years if something were to happen,\n\nChannel 1: Yes.\n\nChannel 0: which which is good. And a feature of the income protection as well is that if you are unable to work, it will still continue to pay contributions while you are on claim into super for you, which is good. Now all of these three policies together, you do get a 15% tax rebate. And after that's been taken out, the total premium is 1,676 for all three per year. Correct.\n\nWhich, yeah, which is not too bad, and that was factored in through, you know, all the math and everything as well. It's all factored\n\nChannel 1: Awesome.\n\nChannel 0: in there for you. Now how\n\nChannel 1: Yeah.\n\nChannel 0: do insurance work as well is that each year, as you get older, the insurances will become more expensive.\n\nChannel 1: Yep.\n\nChannel 0: So it is important to keep reviewing them because your needs might change. You might not have as much debt eventually. And\n\nChannel 1: Yep.\n\nChannel 0: the closer you get to retirement, you might not need as much cover. So it is something\n\nChannel 1: Yep.\n\nChannel 0: that at every annual review time, we do assess with you to see if we need to make any changes, which is, you know, nice and easy. It's not a set and forget thing for you. So it is important. But at least in the meantime, you will do have, you know, pretty good idiot protection in place if something were to happen to you.\n\nChannel 1: Yep. Awesome.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. That's cool. But just pay the month. So\n\nChannel 0: Yeah. Exactly.\n\nChannel 1: yeah.\n\nChannel 0: Both for you and your family, you know,\n\nChannel 1: Yeah.\n\nChannel 0: if something were to happen. Now,\n\nChannel 1: Exactly.\n\nChannel 0: basically, everything I've just gone over with the insurances, again, is all outlining words and everything in the SOA for you so you can kind of have a read over it when you have a moment.\n\nChannel 1: Yep.\n\nChannel 0: The last thing I do wanna mention before I let you go, Caleb, is just in regards to the remuneration. So if you are happy to go ahead with the recommendations, they're obviously changing everything for you in Hub twenty four, moving you to to that SMA,\n\nChannel 1: Yep.\n\nChannel 0: and changing your investments and applying for insurances, there is no additional fees and charges for you.\n\nChannel 1: Yep.\n\nChannel 0: So the advice fee stays exactly the same at 1.65% from Super. So no changes or anything. All of this is that we've done. It's just part of our ongoing service for you. The last thing I do wanna mention is that with insurances, we do get commission.\n\nSo we get 66% of the premium upfront,\n\nChannel 1: Yep.\n\nChannel 0: 23% ongoing. Now\n\nChannel 1: Yep.\n\nChannel 0: that is the insurer paying us, though. It is not you paying us. But\n\nChannel 1: Yep.\n\nChannel 0: for compliances and to make sure that you are fully fully aware of everything, any commissions we receive, we have to disclose so that you are aware of them. But, again,\n\nChannel 1: Yep.\n\nChannel 0: it is the insurer paying us. It is not you, and it's the same for every single insurer out there. So it does not pay us in any way to recommend one provider over the other. Does that make\n\nChannel 1: Yeah.\n\nChannel 0: sense?\n\nChannel 1: Yeah. Yeah. Yeah. Yep.\n\nChannel 0: Yeah.\n\nChannel 1: No worries.\n\nChannel 0: Great. Perfect. Now that was basically most of the recommendation for you. Do you have any questions otherwise for me at this point? I know it's a little bit\n\nChannel 1: Nope.\n\nChannel 0: tricky if you can't see it, but does it kind of make sense?\n\nChannel 1: Yeah. Start that for them. Yep.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Perfect. So, basically, from here, Caleb, is obviously when you have a moment, have a read through the document. If you have any questions when you read through it and you wanna have another catch up, just let me know,\n\nChannel 1: Yep.\n\nChannel 0: and I can always book you in for another discussion to go over any questions that you have. If you do have a read over it and it all makes sense and you are happy with the recommendation, the step from here would then be to sign the documents, and you can do that by clicking on the link where it says sign out. It will\n\nChannel 1: Yeah.\n\nChannel 0: ask you to add your signature and a date. There is also a text box where if you do wanna make any changes to any of the recommendations, you can actually type it out. Or if there's no changes, you can just do NA or full stop. And then once it kind of loaded, it'll come back to me, and that tells me that you are happy to go ahead. And I will let the team know, and we can then start the rest of the process.\n\nChannel 1: No worries.\n\nChannel 0: So I will leave that with you to obviously have a bit of a read over it. Let me know everything, and I will let the team know to get those beneficiary forms expressed posted to\n\nChannel 1: Yeah.\n\nChannel 0: you as well.\n\nChannel 1: Yeah. Just one\n\nChannel 0: Yep.\n\nChannel 1: one quick question would\n\nChannel 0: Yes.\n\nChannel 1: be so, obviously, my life insurance and my super are two different things.\n\nChannel 0: Correct.\n\nChannel 1: So, yeah, it might even it might even pay for when you send the beneficiaries out, would that be two forms? So one will be like, will I dedicate my life insurance to go and will I dedicate my super to go, or do they all have to be broken down into the one the one beneficiary sort of thing?\n\nChannel 0: So, yeah, it's a very good question. It is two forms. So one will be for your superannuation. One will be for your insurance.\n\nChannel 1: Yeah.\n\nChannel 0: The\n\nChannel 1: Yeah.\n\nChannel 0: only\n\nChannel 1: Awesome.\n\nChannel 0: thing is because you because your one pass isn't enforced yet,\n\nChannel 1: Yep.\n\nChannel 0: I won't be able to issue those documents for your life insurance and TPD insurance just because it's not we haven't applied for it yet.\n\nChannel 1: Yeah. It's not actually it's not\n\nChannel 0: Yeah.\n\nChannel 1: actually Karen. Yeah. Yep.\n\nChannel 0: Correct. We can still send you out the hub 24, though. And then if you're obviously happy with your one part insurance, as soon as\n\nChannel 1: Yep.\n\nChannel 0: we've applied for it, we can then send you those forms, and that is a separate nomination. So what you can do if you want, some people do the same split across both, some do different, some through one person for super, another for insurance because it is different. So you\n\nChannel 1: Yeah.\n\nChannel 0: basically\n\nChannel 1: Yeah. Because\n\nChannel 0: get\n\nChannel 1: it's\n\nChannel 0: get\n\nChannel 1: like\n\nChannel 0: it through.\n\nChannel 1: because my life insurance is so much more than\n\nChannel 0: Yeah. Yes.\n\nChannel 1: what I have in super, I would probably\n\nChannel 0: Yes.\n\nChannel 1: just leave my super 100% to my partner. And then\n\nChannel 0: Yeah.\n\nChannel 1: more more or less of the\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: life insurance\n\nChannel 0: Yeah.\n\nChannel 1: for my kids rather than that. So, yeah, that's what I'm thinking at this stage. But, yeah, no worries.\n\nChannel 0: Yeah.\n\nChannel 1: If you send\n\nChannel 0: Yeah.\n\nChannel 1: those\n\nChannel 0: You can\n\nChannel 1: forms\n\nChannel 0: definitely\n\nChannel 1: out, that'd be fantastic.\n\nChannel 0: yeah. Perfect. I'll get the team to express post those tomorrow for you. If there's anything else that you do need, though, at any point in time, don't hesitate to give me a call or or send me an email. Okay?\n\nChannel 1: No worries at all. Thank\n\nChannel 0: No problem at all, Caleb. I hope you enjoy the rest of your afternoon, and I look forward to speaking with you soon again.\n\nChannel 1: you. No worries. I will do it, and you too. Enjoy your afternoon.\n\nChannel 0: Thank you so much. We'll speak soon.\n\nChannel 1: Bye.\n\nChannel 0: Okay. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.5999999,"end":2.1,"sentiment":"neutral","sentiment_score":0.0584016777575016}],"sentiment":"neutral","sentiment_score":0.0584016777575016,"channel":1,"num_words":1,"start":1.5999999,"end":2.1},{"sentences":[{"text":"Good afternoon.","start":2.8799999,"end":3.52,"sentiment":"positive","sentiment_score":0.37274256348609924},{"text":"Is this Caleb?","start":3.52,"end":4.34,"sentiment":"neutral","sentiment_score":0.15364200373490652}],"sentiment":"neutral","sentiment_score":0.2412822276353836,"channel":0,"num_words":5,"start":2.8799999,"end":4.34},{"sentences":[{"text":"Yeah.","start":5.2799997,"end":5.6,"sentiment":"neutral","sentiment_score":0.10691244900226592},{"text":"It is.","start":5.6,"end":6.18,"sentiment":"neutral","sentiment_score":0.12229343131184578}],"sentiment":"neutral","sentiment_score":0.1171664372086525,"channel":1,"num_words":3,"start":5.2799997,"end":6.18},{"sentences":[{"text":"This is Veronica from Financial.","start":6.48,"end":8.26,"sentiment":"neutral","sentiment_score":0.17060037851333618},{"text":"How are you?","start":8.639999,"end":9.54,"sentiment":"neutral","sentiment_score":0.1969195952018102}],"sentiment":"neutral","sentiment_score":0.18047008477151394,"channel":0,"num_words":8,"start":6.48,"end":9.54},{"sentences":[{"text":"Yeah.","start":9.76,"end":9.92,"sentiment":"neutral","sentiment_score":0.08200987428426743},{"text":"Not too bad.","start":9.92,"end":10.559999,"sentiment":"neutral","sentiment_score":0.09935684005419414},{"text":"Give me one second.","start":10.559999,"end":11.46,"sentiment":"neutral","sentiment_score":0.04344712104648352}],"sentiment":"neutral","sentiment_score":0.06923360982909799,"channel":1,"num_words":8,"start":9.76,"end":11.46},{"sentences":[{"text":"Sure.","start":12.0,"end":12.5,"sentiment":"neutral","sentiment_score":0.08358994126319885}],"sentiment":"neutral","sentiment_score":0.08358994126319885,"channel":0,"num_words":1,"start":12.0,"end":12.5},{"sentences":[{"text":"I'm just driving at the moment.","start":12.96,"end":14.4,"sentiment":"neutral","sentiment_score":0.04024046721557776},{"text":"I'm just gonna put it into my end file.","start":14.4,"end":16.375,"sentiment":"neutral","sentiment_score":0.052515551240907773}],"sentiment":"neutral","sentiment_score":0.04760551763077577,"channel":1,"num_words":15,"start":12.96,"end":16.375},{"sentences":[{"text":"Yeah.","start":16.795,"end":17.035,"sentiment":"neutral","sentiment_score":0.07526301592588425},{"text":"Sure.","start":17.035,"end":17.435,"sentiment":"neutral","sentiment_score":0.11723291873931883},{"text":"Take your time.","start":17.435,"end":18.415,"sentiment":"neutral","sentiment_score":0.10314282774925232}],"sentiment":"neutral","sentiment_score":0.10038488358259201,"channel":0,"num_words":5,"start":16.795,"end":18.415},{"sentences":[{"text":"Sure thing.","start":21.955,"end":22.855,"sentiment":"neutral","sentiment_score":0.04021699167788029},{"text":"Turn it off.","start":23.235,"end":23.955,"sentiment":"neutral","sentiment_score":-0.014215532690286636},{"text":"Just a second.","start":23.955,"end":24.595001,"sentiment":"neutral","sentiment_score":-0.012393183385332426},{"text":"Hold up.","start":24.595001,"end":25.415,"sentiment":"neutral","sentiment_score":-0.0014851265586912632}],"sentiment":"neutral","sentiment_score":-0.00023624179884791375,"channel":1,"num_words":10,"start":21.955,"end":25.415},{"sentences":[{"text":"Yes.","start":33.61,"end":33.93,"sentiment":"neutral","sentiment_score":0.021726615726947784},{"text":"Can you hear me okay?","start":33.93,"end":35.07,"sentiment":"neutral","sentiment_score":0.01874832659959793},{"text":"Perfect.","start":40.344997,"end":40.844997,"sentiment":"neutral","sentiment_score":0.28824853897094727},{"text":"Now, Kayla, before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":41.864998,"end":49.245,"sentiment":"neutral","sentiment_score":0.0417933380552407}],"sentiment":"neutral","sentiment_score":0.04488121086938514,"channel":0,"num_words":36,"start":33.61,"end":49.245},{"sentences":[{"text":"Yeah.","start":49.515,"end":49.914997,"sentiment":"neutral","sentiment_score":0.11835286021232604},{"text":"That was.","start":49.914997,"end":50.655,"sentiment":"neutral","sentiment_score":0.15309545397758484}],"sentiment":"neutral","sentiment_score":0.14151458938916525,"channel":1,"num_words":3,"start":49.515,"end":50.655},{"sentences":[{"text":"Yep.","start":50.76,"end":51.239998,"sentiment":"neutral","sentiment_score":0.21646913886070251},{"text":"Perfect.","start":51.239998,"end":51.739998,"sentiment":"positive","sentiment_score":0.4924507141113281},{"text":"And just to confirm I am speaking with the right person, could I just get you to confirm your full name, date of birth, and address for me, please?","start":51.96,"end":60.14,"sentiment":"neutral","sentiment_score":0.16729190560250445}],"sentiment":"neutral","sentiment_score":0.17936726178853743,"channel":0,"num_words":31,"start":50.76,"end":60.14},{"sentences":[{"text":"Caleb Bryce, Cromwell, the first and twelve nineteen eighty eight.","start":61.38,"end":64.58,"sentiment":"neutral","sentiment_score":0.05882192626595497},{"text":"5 For Heath, Top, Cork, Lakeview 5114.","start":64.58,"end":68.12,"sentiment":"neutral","sentiment_score":0.04177864135376045}],"sentiment":"neutral","sentiment_score":0.05180410306681605,"channel":1,"num_words":17,"start":61.38,"end":68.12},{"sentences":[{"text":"Yep.","start":68.455,"end":68.955,"sentiment":"neutral","sentiment_score":0.2462437003850937},{"text":"Perfect.","start":69.415,"end":69.895,"sentiment":"positive","sentiment_score":0.6279048323631287},{"text":"That's exactly what I have here.","start":69.895,"end":71.175,"sentiment":"positive","sentiment_score":0.6708559592564901},{"text":"How's your day been?","start":71.175,"end":72.055,"sentiment":"neutral","sentiment_score":0.21954219415783882},{"text":"Been busy?","start":72.055,"end":72.795,"sentiment":"neutral","sentiment_score":-0.10636217519640923}],"sentiment":"positive","sentiment_score":0.3974806224661214,"channel":0,"num_words":14,"start":68.455,"end":72.795},{"sentences":[{"text":"It's been stressful, but, yeah,","start":73.975,"end":76.055,"sentiment":"neutral","sentiment_score":-0.18669715225696565}],"sentiment":"neutral","sentiment_score":-0.18669715225696565,"channel":1,"num_words":5,"start":73.975,"end":76.055},{"sentences":[{"text":"Oh,","start":75.909996,"end":76.229996,"sentiment":"neutral","sentiment_score":-0.12125885486602785}],"sentiment":"neutral","sentiment_score":-0.12125885486602785,"channel":0,"num_words":1,"start":75.909996,"end":76.229996},{"sentences":[{"text":"getting","start":76.055,"end":76.454994,"sentiment":"neutral","sentiment_score":-0.09897664189338684}],"sentiment":"neutral","sentiment_score":-0.09897664189338684,"channel":1,"num_words":1,"start":76.055,"end":76.454994},{"sentences":[{"text":"really?","start":76.229996,"end":76.729996,"sentiment":"neutral","sentiment_score":-0.0902804434299469}],"sentiment":"neutral","sentiment_score":-0.0902804434299469,"channel":0,"num_words":1,"start":76.229996,"end":76.729996},{"sentences":[{"text":"there.","start":76.454994,"end":76.954994,"sentiment":"neutral","sentiment_score":-0.062468819320201874}],"sentiment":"neutral","sentiment_score":-0.062468819320201874,"channel":1,"num_words":1,"start":76.454994,"end":76.954994},{"sentences":[{"text":"At the","start":77.189995,"end":77.43,"sentiment":"neutral","sentiment_score":-0.030228917486965656}],"sentiment":"neutral","sentiment_score":-0.030228917486965656,"channel":0,"num_words":2,"start":77.189995,"end":77.43},{"sentences":[{"text":"Yeah.","start":77.41499,"end":77.91499,"sentiment":"neutral","sentiment_score":-0.02130709588527679}],"sentiment":"neutral","sentiment_score":-0.02130709588527679,"channel":1,"num_words":1,"start":77.41499,"end":77.91499},{"sentences":[{"text":"end, on your way on your way home now or on your way through another job or anything?","start":77.43,"end":81.45,"sentiment":"neutral","sentiment_score":-0.031135478263927832}],"sentiment":"neutral","sentiment_score":-0.031135478263927832,"channel":0,"num_words":18,"start":77.43,"end":81.45},{"sentences":[{"text":"On my way home.","start":82.534996,"end":83.515,"sentiment":"neutral","sentiment_score":-0.014816984301432967},{"text":"Can you","start":83.655,"end":84.03,"sentiment":"neutral","sentiment_score":-0.011293708346784115}],"sentiment":"neutral","sentiment_score":-0.013642558983216682,"channel":1,"num_words":6,"start":82.534996,"end":84.03},{"sentences":[{"text":"Okay.","start":83.909996,"end":84.409996,"sentiment":"neutral","sentiment_score":-0.013820107094943523}],"sentiment":"neutral","sentiment_score":-0.013820107094943523,"channel":0,"num_words":1,"start":83.909996,"end":84.409996},{"sentences":[{"text":"follow-up?","start":84.19,"end":84.59,"sentiment":"neutral","sentiment_score":-0.011545845307409763},{"text":"Can you just turn that down a little bit?","start":84.59,"end":86.03,"sentiment":"neutral","sentiment_score":-0.042122696422868304},{"text":"I'm on the phone.","start":86.03,"end":86.93,"sentiment":"neutral","sentiment_score":-0.022153923753648996},{"text":"I just dropped my eldest daughter.","start":88.59,"end":90.35,"sentiment":"neutral","sentiment_score":-0.03331598329047362},{"text":"We're straight to a sleepover afterwards, and now I'm heading home with my other daughter.","start":90.35,"end":95.17,"sentiment":"neutral","sentiment_score":0.001775072266658147}],"sentiment":"neutral","sentiment_score":-0.018643874967736857,"channel":1,"num_words":35,"start":84.19,"end":95.17},{"sentences":[{"text":"Busy.","start":96.485,"end":96.965,"sentiment":"neutral","sentiment_score":0.08078878372907639},{"text":"Busy.","start":96.965,"end":97.465,"sentiment":"neutral","sentiment_score":0.10663504898548126}],"sentiment":"neutral","sentiment_score":0.09371191635727882,"channel":0,"num_words":2,"start":96.485,"end":97.465},{"sentences":[{"text":"Yep.","start":97.15,"end":97.65,"sentiment":"neutral","sentiment_score":0.15644432604312897}],"sentiment":"neutral","sentiment_score":0.15644432604312897,"channel":1,"num_words":1,"start":97.15,"end":97.65},{"sentences":[{"text":"Well, if you're happy for me to run through the document while you are on the phone, I can make it a click for you and just go through the most important parts.","start":97.924995,"end":108.590004,"sentiment":"neutral","sentiment_score":0.3166725382660375},{"text":"And then,","start":108.89,"end":109.37,"sentiment":"neutral","sentiment_score":0.18023208528757095}],"sentiment":"neutral","sentiment_score":0.3088759409529822,"channel":0,"num_words":35,"start":97.924995,"end":109.37},{"sentences":[{"text":"Yep.","start":109.145,"end":109.645,"sentiment":"neutral","sentiment_score":0.1637115776538849}],"sentiment":"neutral","sentiment_score":0.1637115776538849,"channel":1,"num_words":1,"start":109.145,"end":109.645},{"sentences":[{"text":"obviously, when you have a bit more time and you can actually look at the document, please have a 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okay?","start":120.90501,"end":121.725006,"sentiment":"neutral","sentiment_score":0.16498850782712302}],"sentiment":"neutral","sentiment_score":0.17245210831363997,"channel":0,"num_words":30,"start":115.065,"end":121.725006},{"sentences":[{"text":"Yeah.","start":121.95,"end":122.27,"sentiment":"neutral","sentiment_score":0.2008385956287384},{"text":"That works.","start":122.27,"end":123.009995,"sentiment":"neutral","sentiment_score":0.2861376851797104}],"sentiment":"neutral","sentiment_score":0.2577046553293864,"channel":1,"num_words":3,"start":121.95,"end":123.009995},{"sentences":[{"text":"Yes.","start":122.985,"end":123.385,"sentiment":"neutral","sentiment_score":0.24181315302848816},{"text":"Perfect.","start":123.385,"end":123.785,"sentiment":"positive","sentiment_score":0.41144025325775146},{"text":"So I have to send you an email with the document.","start":123.785,"end":127.065,"sentiment":"neutral","sentiment_score":0.1600800207392736},{"text":"So like I said, when you have a moment later, and it's obviously safe to do so, jump","start":127.065,"end":131.92,"sentiment":"neutral","sentiment_score":0.1860421916676892}],"sentiment":"neutral","sentiment_score":0.18589977691731147,"channel":0,"num_words":31,"start":122.985,"end":131.92},{"sentences":[{"text":"Yep.","start":131.855,"end":132.355,"sentiment":"neutral","sentiment_score":0.16131006181240082}],"sentiment":"neutral","sentiment_score":0.16131006181240082,"channel":1,"num_words":1,"start":131.855,"end":132.355},{"sentences":[{"text":"on the email for me.","start":131.92,"end":133.28,"sentiment":"neutral","sentiment_score":0.15086153745651246},{"text":"Now you will see before you click on the link where it says sign now, you will see a couple of attachments.","start":133.28,"end":139.86,"sentiment":"neutral","sentiment_score":0.09633339907635342},{"text":"Now this is just for your reference.","start":140.16,"end":142.0,"sentiment":"neutral","sentiment_score":0.12242407883916583},{"text":"So all the research materials and everything has been attached there for you as well","start":142.0,"end":147.265,"sentiment":"neutral","sentiment_score":0.19088645378748575}],"sentiment":"neutral","sentiment_score":0.1345695474622201,"channel":0,"num_words":49,"start":131.92,"end":147.265},{"sentences":[{"text":"Yep.","start":147.22,"end":147.72,"sentiment":"neutral","sentiment_score":0.11743153631687164}],"sentiment":"neutral","sentiment_score":0.11743153631687164,"channel":1,"num_words":1,"start":147.22,"end":147.72},{"sentences":[{"text":"as the supporting product disclosure statements.","start":147.265,"end":151.58499,"sentiment":"neutral","sentiment_score":0.11149205888311069},{"text":"So basically everything that you need to know about anything I have recommended today, 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today.","start":166.63,"end":169.53,"sentiment":"neutral","sentiment_score":0.256232147033398}],"sentiment":"neutral","sentiment_score":0.2550193229690194,"channel":0,"num_words":48,"start":156.86499,"end":169.53},{"sentences":[{"text":"Yes.","start":170.33,"end":170.57,"sentiment":"neutral","sentiment_score":0.18333342671394348},{"text":"Okay.","start":170.57,"end":171.07,"sentiment":"neutral","sentiment_score":0.1857437789440155}],"sentiment":"neutral","sentiment_score":0.1845386028289795,"channel":1,"num_words":2,"start":170.33,"end":171.07},{"sentences":[{"text":"Now when you have a have a look at it, like I said, it is quite long.","start":171.315,"end":176.91501,"sentiment":"neutral","sentiment_score":0.1015518382191658},{"text":"A lot of it is compliant, so I'll try to make it as brief as I can for 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you.","start":1299.09,"end":1305.465,"sentiment":"neutral","sentiment_score":0.2625144404523513}],"sentiment":"neutral","sentiment_score":0.2625144404523513,"channel":0,"num_words":17,"start":1299.09,"end":1305.465},{"sentences":[{"text":"Yep.","start":1305.8251,"end":1306.3251,"sentiment":"neutral","sentiment_score":0.25765591859817505}],"sentiment":"neutral","sentiment_score":0.25765591859817505,"channel":1,"num_words":1,"start":1305.8251,"end":1306.3251},{"sentences":[{"text":"So the advice fee stays exactly the same at 1.65% from Super.","start":1305.945,"end":1312.025,"sentiment":"neutral","sentiment_score":0.2653218631943067},{"text":"So no changes or anything.","start":1312.025,"end":1313.625,"sentiment":"neutral","sentiment_score":0.061369766294956204},{"text":"All of this is that we've done.","start":1313.625,"end":1314.985,"sentiment":"neutral","sentiment_score":0.2859632074832916},{"text":"It's just part of our ongoing service for you.","start":1314.985,"end":1317.4049,"sentiment":"positive","sentiment_score":0.4029818508360121},{"text":"The last thing I do wanna mention is that with insurances, we do get commission.","start":1319.16,"end":1323.1799,"sentiment":"neutral","sentiment_score":0.13451064626375833}],"sentiment":"neutral","sentiment_score":0.23201979153479138,"channel":0,"num_words":48,"start":1305.945,"end":1323.1799},{"sentences":[{"text":"So we get 66% of the premium upfront,","start":1323.32,"end":1326.7,"sentiment":"neutral","sentiment_score":0.21389014460146427}],"sentiment":"neutral","sentiment_score":0.21389014460146427,"channel":0,"num_words":8,"start":1323.32,"end":1326.7},{"sentences":[{"text":"Yep.","start":1327.375,"end":1327.875,"sentiment":"neutral","sentiment_score":0.1553116738796234}],"sentiment":"neutral","sentiment_score":0.1553116738796234,"channel":1,"num_words":1,"start":1327.375,"end":1327.875},{"sentences":[{"text":"23% 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again,","start":1342.71,"end":1343.19,"sentiment":"neutral","sentiment_score":-0.008933454751968384}],"sentiment":"neutral","sentiment_score":0.06111737028245003,"channel":0,"num_words":31,"start":1334.675,"end":1343.19},{"sentences":[{"text":"Yep.","start":1343.1,"end":1343.6,"sentiment":"neutral","sentiment_score":0.017500022426247597}],"sentiment":"neutral","sentiment_score":0.017500022426247597,"channel":1,"num_words":1,"start":1343.1,"end":1343.6},{"sentences":[{"text":"it is the insurer paying us.","start":1343.19,"end":1345.11,"sentiment":"neutral","sentiment_score":-0.016177198228736717},{"text":"It is not you, and it's the same for every single insurer out there.","start":1345.11,"end":1348.95,"sentiment":"neutral","sentiment_score":-0.03788673797888415},{"text":"So it does not pay us in any way to recommend one provider over the other.","start":1348.95,"end":1353.35,"sentiment":"neutral","sentiment_score":-0.09696809109300375},{"text":"Does that 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worries.","start":1355.895,"end":1356.555,"sentiment":"neutral","sentiment_score":0.23525385558605194}],"sentiment":"neutral","sentiment_score":0.23525385558605194,"channel":1,"num_words":2,"start":1355.895,"end":1356.555},{"sentences":[{"text":"Great.","start":1356.265,"end":1356.765,"sentiment":"positive","sentiment_score":0.6798698902130127},{"text":"Perfect.","start":1357.0651,"end":1357.5651,"sentiment":"positive","sentiment_score":0.6794755458831787},{"text":"Now that was basically most of the recommendation for you.","start":1357.7051,"end":1363.545,"sentiment":"positive","sentiment_score":0.41811213195323943},{"text":"Do you have any questions otherwise for me at this point?","start":1363.545,"end":1366.845,"sentiment":"neutral","sentiment_score":0.1420870084654201},{"text":"I know it's a little 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basically, from here, Caleb, is obviously when you have a moment, have a read through the document.","start":1375.04,"end":1380.9,"sentiment":"neutral","sentiment_score":0.22575778803891605},{"text":"If you have any questions when you read through it and you wanna have another catch up, just let me know,","start":1381.2001,"end":1385.9751,"sentiment":"neutral","sentiment_score":0.20729151155267442}],"sentiment":"neutral","sentiment_score":0.2193673418425932,"channel":0,"num_words":41,"start":1373.12,"end":1385.9751},{"sentences":[{"text":"Yep.","start":1385.805,"end":1386.305,"sentiment":"neutral","sentiment_score":0.23962704837322235}],"sentiment":"neutral","sentiment_score":0.23962704837322235,"channel":1,"num_words":1,"start":1385.805,"end":1386.305},{"sentences":[{"text":"and I can always book you in for another discussion to go over any questions that you have.","start":1385.9751,"end":1390.2351,"sentiment":"positive","sentiment_score":0.33772943417231244},{"text":"If you do have a read over it and it all makes sense and you are happy with the recommendation, the step from here would then be to sign the documents, and you can do that by clicking on the link where it says sign out.","start":1390.535,"end":1403.16,"sentiment":"positive","sentiment_score":0.33520348499650543},{"text":"It will","start":1403.3,"end":1403.7001,"sentiment":"neutral","sentiment_score":0.23127614706754684}],"sentiment":"neutral","sentiment_score":0.33274306695569644,"channel":0,"num_words":66,"start":1385.9751,"end":1403.7001},{"sentences":[{"text":"Yeah.","start":1403.66,"end":1404.16,"sentiment":"neutral","sentiment_score":0.23301222920417783}],"sentiment":"neutral","sentiment_score":0.23301222920417783,"channel":1,"num_words":1,"start":1403.66,"end":1404.16},{"sentences":[{"text":"ask you to add your signature and a date.","start":1403.7001,"end":1406.12,"sentiment":"neutral","sentiment_score":0.2017903725306193},{"text":"There is also a text box where if you do wanna make any 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is because you because your one pass isn't enforced yet,","start":1478.0249,"end":1482.78,"sentiment":"neutral","sentiment_score":0.27273213456977496}],"sentiment":"neutral","sentiment_score":0.27273213456977496,"channel":0,"num_words":11,"start":1478.0249,"end":1482.78},{"sentences":[{"text":"Yep.","start":1483.2,"end":1483.7,"sentiment":"neutral","sentiment_score":0.12502352893352509}],"sentiment":"neutral","sentiment_score":0.12502352893352509,"channel":1,"num_words":1,"start":1483.2,"end":1483.7},{"sentences":[{"text":"I won't be able to issue those documents for your life insurance and TPD insurance just because it's not we haven't applied for it 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the","start":1529.435,"end":1531.4551,"sentiment":"neutral","sentiment_score":-0.021664996941884358}],"sentiment":"neutral","sentiment_score":-0.021664996941884358,"channel":1,"num_words":6,"start":1529.435,"end":1531.4551},{"sentences":[{"text":"Yeah.","start":1531.435,"end":1531.675,"sentiment":"neutral","sentiment_score":0.00314985029399395},{"text":"Yeah.","start":1531.675,"end":1532.175,"sentiment":"neutral","sentiment_score":0.01731562241911888}],"sentiment":"neutral","sentiment_score":0.010232736356556416,"channel":0,"num_words":2,"start":1531.435,"end":1532.175},{"sentences":[{"text":"life 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worries.","start":1536.4751,"end":1537.435,"sentiment":"neutral","sentiment_score":0.15165798738598824}],"sentiment":"neutral","sentiment_score":0.08390864161284346,"channel":1,"num_words":19,"start":1533.035,"end":1537.435},{"sentences":[{"text":"Yeah.","start":1537.38,"end":1537.86,"sentiment":"neutral","sentiment_score":0.24033185839653015}],"sentiment":"neutral","sentiment_score":0.24033185839653015,"channel":0,"num_words":1,"start":1537.38,"end":1537.86},{"sentences":[{"text":"If you 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fantastic.","start":1538.555,"end":1539.6951,"sentiment":"positive","sentiment_score":0.5593775510787964}],"sentiment":"positive","sentiment_score":0.5593775510787964,"channel":1,"num_words":4,"start":1538.555,"end":1539.6951},{"sentences":[{"text":"yeah.","start":1540.26,"end":1540.58,"sentiment":"positive","sentiment_score":0.4718979895114898},{"text":"Perfect.","start":1540.58,"end":1540.8999,"sentiment":"positive","sentiment_score":0.8490971922874451},{"text":"I'll get the team to express post those tomorrow for you.","start":1540.8999,"end":1544.2,"sentiment":"positive","sentiment_score":0.5950191048058596},{"text":"If there's anything else that you do need, though, at any point in time, don't hesitate to give me a call or or send me an email.","start":1544.82,"end":1551.265,"sentiment":"neutral","sentiment_score":0.14638023119833735},{"text":"Okay?","start":1551.265,"end":1551.765,"sentiment":"neutral","sentiment_score":0.12909621000289917}],"sentiment":"neutral","sentiment_score":0.2914040923663756,"channel":0,"num_words":41,"start":1540.26,"end":1551.765},{"sentences":[{"text":"No worries at all.","start":1552.215,"end":1553.015,"sentiment":"neutral","sentiment_score":0.30347589403390884},{"text":"Thank","start":1553.015,"end":1553.515,"sentiment":"positive","sentiment_score":0.7605978846549988}],"sentiment":"positive","sentiment_score":0.39490029215812683,"channel":1,"num_words":5,"start":1552.215,"end":1553.515},{"sentences":[{"text":"No problem at all, Caleb.","start":1554.145,"end":1555.425,"sentiment":"positive","sentiment_score":0.7231574535369873},{"text":"I hope you enjoy the rest of your afternoon, and I look forward to speaking with you soon again.","start":1555.425,"end":1559.525,"sentiment":"positive","sentiment_score":0.7868637034767553}],"sentiment":"positive","sentiment_score":0.773591568072637,"channel":0,"num_words":24,"start":1554.145,"end":1559.525},{"sentences":[{"text":"you.","start":1559.335,"end":1559.835,"sentiment":"positive","sentiment_score":0.3362446129322052},{"text":"No worries.","start":1559.895,"end":1560.615,"sentiment":"positive","sentiment_score":0.4258922040462494},{"text":"I will do it, and you too.","start":1560.615,"end":1561.975,"sentiment":"positive","sentiment_score":0.6435622572898865},{"text":"Enjoy your afternoon.","start":1561.975,"end":1562.875,"sentiment":"positive","sentiment_score":0.7024216254552206}],"sentiment":"positive","sentiment_score":0.6000176691091977,"channel":1,"num_words":13,"start":1559.335,"end":1562.875},{"sentences":[{"text":"Thank you so much.","start":1563.6089,"end":1564.4089,"sentiment":"positive","sentiment_score":0.8225015699863434},{"text":"We'll speak soon.","start":1564.4089,"end":1565.4689,"sentiment":"positive","sentiment_score":0.3700062533219655}],"sentiment":"positive","sentiment_score":0.6285750057016101,"channel":0,"num_words":7,"start":1563.6089,"end":1565.4689},{"sentences":[{"text":"Bye.","start":1566.0549,"end":1566.5549,"sentiment":"neutral","sentiment_score":0.16800355911254883}],"sentiment":"neutral","sentiment_score":0.16800355911254883,"channel":1,"num_words":1,"start":1566.0549,"end":1566.5549},{"sentences":[{"text":"Okay.","start":1566.7289,"end":1567.209,"sentiment":"neutral","sentiment_score":0.1323474943637848},{"text":"Bye.","start":1567.209,"end":1567.584,"sentiment":"neutral","sentiment_score":-0.1248948872089386}],"sentiment":"neutral","sentiment_score":0.0037263035774230957,"channel":0,"num_words":2,"start":1566.7289,"end":1567.584}]},"summary":{"result":"success","short":"A representative from Financial calls Caleb to discuss his personal information and financial advice, including his income and retirement plans, legal nomination process, legal nomination process, and legal nomination process. They discuss personalized financial advice and retirement plans, as well as the benefits of the SMA plan and PCD insurance for his children. The representative recommends changing the customer's investment portfolio to the SMA structure, which is cheaper and provides more flexibility in fees and returns. They also explain the benefits of the insurance policy and emphasize the importance of keeping Caleb within his risk tolerance. The insurer will not need to make any changes until Caleb reaches retirement age and will only pay commission fees. The process for signing documents is ongoing and Caleb's life insurance and super insurance will be separate until he reaches retirement age."},"intents":{"segments":[{"text":"And just to confirm I am speaking with the right person, could I just get you to confirm your full name, date of birth, and address for me, please?","start_word":97,"end_word":125,"intents":[{"intent":"Confirm identity","confidence_score":0.022724628}]},{"text":"Otherwise, every time we do make a recommendation on financial products or give you personalized advice, we do have to put everything in this statement of advice for you so that you are fully aware everything And all the recommendations and everything that we do have to follow that best interest duty, which basically just means that we have to act in your best interest at all time, and the advice itself has to put you in a better position as a result of the advice.","start_word":545,"end_word":630,"intents":[{"intent":"Recommend financial products","confidence_score":0.071659535}]},{"text":"You can upload those documents definitely to be 50% your partner and 25% Yep. through your partner.","start_word":1068,"end_word":1084,"intents":[{"intent":"Update documents","confidence_score":0.0029714343}]},{"text":"And you're happy for that through, obviously, the email posted to that five heat Yeah. courts.","start_word":1086,"end_word":1101,"intents":[{"intent":"Expressing happiness","confidence_score":0.0039134915}]},{"text":"And now with the superannuation side of it, so I have made a recommendation.","start_word":1140,"end_word":1153,"intents":[{"intent":"Recommending use of sma","confidence_score":0.00053600944}]},{"text":"So I have recommended that you stay in hub twenty four.","start_word":1208,"end_word":1218,"intents":[{"intent":"Recommending stay in hub twenty four","confidence_score":0.10871898},{"intent":"Expressing recommendation to stay in hub twenty four","confidence_score":0.00018163018}]},{"text":"Now I did look at the SMA to see if that was going to be a good fit for you when it comes to, obviously, fees and returns and everything like that. And that gives us that flexibility with investment choices that we can very quickly, if need be, especially when the market has been a little bit up and down the last twelve months, make quickly those investment changes for you in the back end without kind of having to go through this process.","start_word":1264,"end_word":1348,"intents":[{"intent":"Providing information about sma","confidence_score":0.0020720628}]},{"text":"I have recommended that we change you to the SMA.","start_word":1375,"end_word":1384,"intents":[{"intent":"Recommending switching to sma","confidence_score":0.09302715}]},{"text":"I have recommended that we change you to the SMA. Now it's still within Hub 24, and we would do all the changes in the back end.","start_word":1375,"end_word":1401,"intents":[{"intent":"Recommending use of sma","confidence_score":0.0013074867}]},{"text":"For, yeah, for you, how it changes things is when you have a moment, it's everything is basically outlined on page 19. So you will see a bit of a table with all the numbers and figures and everything.","start_word":1402,"end_word":1440,"intents":[{"intent":"Providing information","confidence_score":0.0021470913}]},{"text":"And this shows everything very well that by actually making the switch to the SMA, what we can do is we can actually change the product menu that you are on with hub twenty four. And we can change it to a slightly cheaper one, which is good.","start_word":1441,"end_word":1488,"intents":[{"intent":"Recommending change in product menu","confidence_score":0.0030153801},{"intent":"Suggesting change in product menu","confidence_score":0.0007402963}]},{"text":"And we can change it to a slightly cheaper one, which is good.","start_word":1476,"end_word":1488,"intents":[{"intent":"Recommend switching to a cheaper option","confidence_score":0.00000885192}]},{"text":"So you will save about a $180 a year in admin fees alone.","start_word":1490,"end_word":1502,"intents":[{"intent":"Save money","confidence_score":0.4881522}]},{"text":"So you will save about a $180 a year in admin fees alone. So that's really good. And in the investment fees, the the SMA is a little bit cheaper than your current portfolio as well. So you are saving about $230 a year in investment fees as well. So it is kind of reducing the cost a little bit for you as well as obviously streamlining that process.","start_word":1490,"end_word":1558,"intents":[{"intent":"Improve tax margin","confidence_score":5.7825265e-8}]},{"text":"Now your current portfolio, otherwise, Caleb, has performed on that five year average per year about 8.18%. And the SMA has done about 11.14%. So it's about a 3.96 better than your current portfolio, which does make a pretty big difference as well as it being cheaper for you.","start_word":1736,"end_word":1784,"intents":[{"intent":"Improve portfolio","confidence_score":0.011384411},{"intent":"Show differences","confidence_score":0.00036922953}]},{"text":"So factoring in that the insurances will come out. So so that's a pretty good outcome from your superannuation.","start_word":1826,"end_word":1844,"intents":[{"intent":"Factor insurances","confidence_score":0.1778435}]},{"text":"Now I do wanna mention that when we are making changes to your investment, there will be some capital gains tax on the earnings from your investment. Now we're trying to minimize that as much as possible for you.","start_word":1846,"end_word":1884,"intents":[{"intent":"Reduce capital gains tax","confidence_score":0.37337917}]},{"text":"Now I do wanna mention that when we are making changes to your investment, there will be some capital gains tax on the earnings from your investment. Now we're trying to minimize that as much as possible for you. And by making the switch to the SMA, it's only around $578. So it's not too bad, and it's just tax that will come out of your superannuation. Does that make sense? Yeah.","start_word":1846,"end_word":1917,"intents":[{"intent":"Consider sma changes","confidence_score":0.000011103875}]},{"text":"So, basically, moving forward, if we need to make any changes to your portfolio, we can very quickly make that in the back end without having to go through this process.","start_word":2223,"end_word":2253,"intents":[{"intent":"Update portfolio plans","confidence_score":0.0011904002}]},{"text":"being is that the way that I have it structured is to try to make it as affordable for you when it comes to price. So I have your life and total permanent disability linked together under one policy. What Yep.","start_word":2621,"end_word":2661,"intents":[{"intent":"Structure policy","confidence_score":0.58071387}]},{"text":"So I have your life and total permanent disability linked together under one policy. What Yep.","start_word":2645,"end_word":2660,"intents":[{"intent":"Inquire about life policy coverage","confidence_score":0.000007800942}]},{"text":"But what I have added in is a buyback option, which is that after twelve months, your life cover will be reinstated for you. So it Yep.","start_word":2679,"end_word":2705,"intents":[{"intent":"Add buyback option","confidence_score":0.52361333}]},{"text":"And I have also been able to add an income protection policy for you.","start_word":2732,"end_word":2745,"intents":[{"intent":"Add income protection policy","confidence_score":0.044191886}]},{"text":"is that now that you are working under someone, I can cover Yep. that income, which is good because that is a little bit higher for you and Yeah.","start_word":2783,"end_word":2811,"intents":[{"intent":"Cover income","confidence_score":0.38404885},{"intent":"Evaluate insurance coverage","confidence_score":0.00061541295}]},{"text":"So if you have any illnesses or injuries Yeah.","start_word":2930,"end_word":2938,"intents":[{"intent":"Address illness or injury","confidence_score":0.009945534}]},{"text":"that at every annual review time, we do assess with you to see if we need to make any changes, which is, you know, nice and easy. It's not a set and forget thing for you. So it is important. But at least in the meantime, you will do have, you know, pretty good idiot protection in place if something were to happen to you. Yep.","start_word":3496,"end_word":3561,"intents":[{"intent":"Update plans","confidence_score":0.00022319086}]},{"text":"If you send Yeah. those You can forms definitely out, that'd be fantastic.","start_word":4449,"end_word":4461,"intents":[{"intent":"Confirm receipt of forms","confidence_score":0.000016096565}]}]},"sentiments":{"segments":[{"text":"Hello?","start_word":0,"end_word":0,"sentiment":"neutral","sentiment_score":0.0584016777575016},{"text":"Good afternoon.","start_word":1,"end_word":2,"sentiment":"positive","sentiment_score":0.348228394985199},{"text":"Is this Caleb? Yeah. It is. This is Veronica from Financial. How are you? Yeah. Not too bad. Give me one second. Sure. I'm just driving at the moment. I'm just gonna put it into my end file. Yeah. Sure. Take your time. Sure thing. Turn it off. Just a second. Hold up. Yes. Can you hear me okay? Perfect. Now, Kayla, before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yeah. That was. Yep.","start_word":3,"end_word":95,"sentiment":"neutral","sentiment_score":0.07533010840415955},{"text":"Perfect.","start_word":96,"end_word":96,"sentiment":"positive","sentiment_score":0.4924507141113281},{"text":"And just to confirm I am speaking with the right person, could I just get you to confirm your full name, date of birth, and address for me, please? Caleb Bryce, Cromwell, the first and twelve nineteen eighty eight. 5 For Heath, Top, Cork, Lakeview 5114. Yep.","start_word":97,"end_word":143,"sentiment":"neutral","sentiment_score":0.1127062737941742},{"text":"Perfect. That's exactly what I have here.","start_word":144,"end_word":150,"sentiment":"positive","sentiment_score":0.6499112248420715},{"text":"How's your day been? Been busy? It's been stressful, but, yeah, Oh, getting really? there. At the Yeah. end, on your way on your way home now or on your way through another job or anything? On my way home. Can you Okay. follow-up? Can you just turn that down a little bit? I'm on the phone. I just dropped my eldest daughter. We're straight to a sleepover afterwards, and now I'm heading home with my other daughter. Busy. Busy. Yep. Well, if you're happy for me to run through the document while you are on the phone, I can make it a click for you and just go through the most important parts. And then, Yep. obviously, when you have a bit more time and you can actually look at the document, please have a read Yep. through it. And if you then have any other questions or anything like that, you can always give me a callback, and we can go through it. Is that okay? Yeah. That works. Yes.","start_word":151,"end_word":322,"sentiment":"neutral","sentiment_score":0.0985853224992752},{"text":"Perfect.","start_word":323,"end_word":323,"sentiment":"positive","sentiment_score":0.41144025325775146},{"text":"So I have to send you an email with the document. So like I said, when you have a moment later, and it's obviously safe to do so, jump Yep. on the email for me. Now you will see before you click on the link where it says sign now, you will see a couple of attachments. Now this is just for your reference. So all the research materials and everything has been attached there for you as well Yep. as the supporting product disclosure statements. So basically everything that you need to know about anything I have recommended today, essentially. Yep. Otherwise, when you do click on the link process sign now, it will actually allow you to open up the documents first to have a look at it before it prompts you to sign anything. So that is the documents I'm kind of running through with you today. Yes. Okay. Now when you have a have a look at it, like I said, it is quite long. A lot of it is compliant, so I'll try to make it as brief as I can for you. Yep. You will see in the document, though, you will see on the cover page my details that you will have my authorized representative number listed, and I am licensed under OQ Financial. Otherwise, every time we do make a recommendation on financial products or give you personalized advice, we do have to put everything in this statement of advice for you so that you are fully aware everything And all the recommendations and everything that we do have to follow that best interest duty, which basically just means that we have to act in your best interest at all time, and the advice itself has to put you in a better position as a result of the advice. Otherwise, we can't actually make the recommendation. Does that make sense? Yes.","start_word":324,"end_word":642,"sentiment":"neutral","sentiment_score":0.14328671632141904},{"text":"Yeah. Perfect. Now it is pretty straightforward today.","start_word":643,"end_word":650,"sentiment":"positive","sentiment_score":0.5171368718147278},{"text":"Sorry. What what we are kind of looking at so the two different strategies we're looking at today is your different strategies we're looking at today is your superannuation first, see if we can get everything consolidated for you so that you only have the one super fund open and make it nice and easy. Also reviewing some of your investments to kinda change some around reviewing the SMA and see if that was going to be a good option for you. And then the other strategy is your insurances. Trying to get that sorted for you, especially that income protection and PCD insurance to make sure that you do have that cover in place if something were to happen. Do you kind of remember that conversation? Yep. Yeah. Yeah. Yeah. Please, Yeah. ma'am. I've been Yeah. I've been waiting to get the income to to what I got from you guys. But, yeah, that's what I had to pay until I was five. So that's Yeah. Yeah. in December. There is one other thing with the beneficiary because I've got so I've got a split fifty fifty between my kids, Yes. but I'd like to go 25% between my kids and then 50% to my partner. Because we when I set that up, I was living with my partner, and Okay. we now have we now have, like, an extensive amount of debt between us. Okay. Right? In the terms of I'm I'm on her mortgage. We've also got finance on veranda and stuff, and I'm holding more renovations that we're doing. So it's not necessarily a debt at this stage, but Yep. if there was something to happen to me, Yeah. she would be left with nothing Yeah. from me being Okay. with her. So Okay. Yeah. And yeah.","start_word":651,"end_word":951,"sentiment":"neutral","sentiment_score":0.02683855327112334},{"text":"that's totally fine.","start_word":952,"end_word":954,"sentiment":"positive","sentiment_score":0.3477134108543396},{"text":"So so what I'll do is I will get the team to send those form out to you. Because Yep. you are making a legal nomination, you have to complete them and get them website. Yep. Yep. Now do you have access to a printer at all? Because Not if a not, 100 I percent. Not really. But, No. yeah, it'll No. be it'll be better if you could send me out a hard copy. Yeah. Of course. Yep. Yep. And I will then get that, I'll yeah. I'll get that sorted. yeah, I will get the team to express post that for you just to make sure, obviously, we get everything sorted. You can upload those documents definitely to be 50% your partner and 25% Yep. through your partner.","start_word":955,"end_word":1084,"sentiment":"neutral","sentiment_score":0.08757095038890839},{"text":"And you're happy for that through, obviously, the email posted to that five heat Yeah.","start_word":1085,"end_word":1099,"sentiment":"positive","sentiment_score":0.4632744789123535},{"text":"courts. Yeah.","start_word":1100,"end_word":1101,"sentiment":"neutral","sentiment_score":0.20497657358646393},{"text":"Yep. Perfect.","start_word":1102,"end_word":1103,"sentiment":"positive","sentiment_score":0.5198667645454407},{"text":"We will get that express posted probably tomorrow, because it's kind of the the process been for today. But I'll get the team to express post those for you tomorrow, and we'll get that all sorted. And now with the superannuation side of it, so I have made a recommendation. Now I did research your superannuation as well. Just making sure if hub twenty four was still going to be the best option or if there were any other competitive options out there for you. And when doing all the research, hub twenty four still very much came out as a really competitive option.","start_word":1104,"end_word":1207,"sentiment":"neutral","sentiment_score":0.218924418091774},{"text":"So I have recommended that you stay in hub twenty four. It's quite competitive when it comes to, you know, the fees and features and all the investment choices. So it's still very much competitive.","start_word":1208,"end_word":1242,"sentiment":"positive","sentiment_score":0.4430842101573944},{"text":"I use Hub twenty four for my personal super as well, but not really making any changes through the platform itself. Now I did look at the SMA to see if that was going to be a good fit for you when it comes to, obviously, fees and returns and everything like that. And that gives us that flexibility with investment choices that we can very quickly, if need be, especially when the market has been a little bit up and down the last twelve months, make quickly those investment changes for you in the back end without kind of having to go through this process. So when I did kind of review everything, so all the other options for you, the the SMA was actually really suitable for you. So Yep. I have recommended that we change you to the SMA. Now it's still within Hub 24, and we would do all the changes in the back end. For, yeah, for you, how it changes things is when you have a moment, it's everything is basically outlined on page 19. So you will see a bit of a table with all the numbers and figures and everything.","start_word":1243,"end_word":1440,"sentiment":"neutral","sentiment_score":0.25221139192581177},{"text":"And this shows everything very well that by actually making the switch to the SMA, what we can do is we can actually change the product menu that you are on with hub twenty four. And we can change it to a slightly cheaper one, which is good. So you will save about a $180 a year in admin fees alone. So that's really good. And in the investment fees, the the SMA is a little bit cheaper than your current portfolio as well. So you are saving about $230 a year in investment fees as well. So it is kind of reducing the cost a little bit for you as well as obviously streamlining that process.","start_word":1441,"end_word":1557,"sentiment":"positive","sentiment_score":0.5560753697004074},{"text":"Now when it comes to the returns on the investment as well. So your current portfolio, and I've used kind of f five via rolling average time frame Yep. to doing the projections to give us a little bit more certainty of what's kind of happened in the market. Now there's obviously no guarantees with the market and the returns because anything can happen, but that is why we use a five year time frame because it does give us a little bit more certainty of the market and the portfolio as well. Does that make sense? Yeah. Yep. Perfect. So, basically, I'm about your car. to I'm about Yeah. to drive to a bit of a bad patch on the highway, but I will Okay. stay on the high. But, yeah, I Okay. may not hear suspects these days or and you may not hear me if, Okay. probably Yeah. the next next minute or so. Okay. If it happens, I'll just stay put if I lose Yeah. you. Yeah. Alright. Go hang up. Yeah. Yeah. Perfect. Now your current portfolio, otherwise, Caleb, has performed on that five year average per year about 8.18%. And the SMA has done about 11.14%.","start_word":1558,"end_word":1759,"sentiment":"neutral","sentiment_score":0.07152456045150757},{"text":"So it's about a 3.96 better than your current portfolio, which does make a pretty big difference as well as it being cheaper for you.","start_word":1760,"end_word":1784,"sentiment":"positive","sentiment_score":0.4192619919776917},{"text":"Now I have kind of projected that forward for about five and ten years to show you.","start_word":1785,"end_word":1801,"sentiment":"neutral","sentiment_score":0.2997795045375824},{"text":"And in a five year time frame, it's about 11,964 thousand difference, which is pretty good, and this also includes your new insurance policy.","start_word":1802,"end_word":1825,"sentiment":"positive","sentiment_score":0.365667462348938},{"text":"So factoring in that the insurances will come out.","start_word":1826,"end_word":1834,"sentiment":"neutral","sentiment_score":0.3154846429824829},{"text":"So so that's a pretty good outcome from your superannuation.","start_word":1835,"end_word":1844,"sentiment":"positive","sentiment_score":0.496060311794281},{"text":"Now I do wanna mention that when we are making changes to your investment, there will be some capital gains tax on the earnings from your investment. Now we're trying to minimize that as much as possible for you. And by making the switch to the SMA, it's only around $578.","start_word":1845,"end_word":1895,"sentiment":"neutral","sentiment_score":0.0953187569975853},{"text":"So it's not too bad, and it's just tax that will come out of your superannuation.","start_word":1896,"end_word":1911,"sentiment":"positive","sentiment_score":0.3373323082923889},{"text":"Does that make sense? Yeah. Yeah.","start_word":1912,"end_word":1917,"sentiment":"neutral","sentiment_score":0.1614464670419693},{"text":"Yeah. Perfect. But because you're kind of saving about $414 a year in fees alone, very quickly, you can obviously, make up the the the tax that will come out and also the outperformance.","start_word":1918,"end_word":1951,"sentiment":"positive","sentiment_score":0.4147147238254547},{"text":"Yeah. So But kind I'm of also I've just got an employee with my buddy. So he's yep. actually paying into my super account now too as well. So, Yes. yeah, so that sort of will cancel. I think before, Yes. it's like all the fees and Yes.","start_word":1952,"end_word":1999,"sentiment":"neutral","sentiment_score":-0.08709855377674103},{"text":"everything were getting chewed out of my super.","start_word":2000,"end_word":2007,"sentiment":"negative","sentiment_score":-0.3541753888130188},{"text":"Well, now I've actually got money going into that every single week, which is amazing. Exactly.","start_word":2008,"end_word":2023,"sentiment":"positive","sentiment_score":0.5145501494407654},{"text":"And when I kind of run the numbers of, you know, you gave me a really good detailed breakdown last time about, the the rates and everything like that. And Yep. on a yearly basis after tax from your employer now, it will be about 4,464, which does make a pretty big difference, like you said. Yeah. Now when it comes to the super recommendation as well, everything that I've kind of gone over with you is also outlined in words in a strategy format for you. So take your time. Have a read over it. It explains a bit more in-depth the reasoning behind everything as well. It outlines kind of all the advantages in regards to the recommendation, which I've touched on. Also, some disadvantage, which is mainly that capital gains tax for you. But also some risks to be mindful of is that there's always a level of risk associated with any investment.","start_word":2024,"end_word":2179,"sentiment":"neutral","sentiment_score":0.12166512757539748},{"text":"But the really good thing with the SMA structure is that we can very quickly manage and make those changes for you if need be.","start_word":2180,"end_word":2204,"sentiment":"positive","sentiment_score":0.4818893373012543},{"text":"And, obviously, joining with BlackRock, we have access to all of that research and everything for you. So, basically, moving forward, if we need to make any changes to your portfolio, we can very quickly make that in the back end without having to go through this process. We can still obviously notify you of the changes. And when you do log in through your Hub twenty four account, you will see a breakdown of the estimate. So there's a a split of two different portfolios, and it's 70% into one and thirty into the other. Reason being is that we wanna keep you around that growth portfolio. So we'd not wanna make any changes to your risk tolerance or anything like that. Still keeping you within your risk of a growth investor, which is very suitable for you and kind of aligns with your risk tolerance and time frame. And that breakdown basically gives us that 20% to your asset allocation, which you will also see in a table format. So when you do go into Hub 24, if you click on the the headings of the SMA, it will actually still show you all the underlying investment in the back end. So you can still see them when you do log in to your account. Does that make sense? Do you have any questions before I kind of move on through your insurances? No. Yes. Exactly. And then if you have any questions, you can always give me a callback or send me an email, or we can book book up another little follow-up to see what your thoughts and everything is when you have a bit more time. But with your insurances, sorry. Has any of your goals or anything changed in terms of how much coverage you want, or is still about no. That's still they're still about the same? Yeah. Yeah. And it yeah. And it's still a decent amount. So what we are looking at is 625,000 Yep. worth of life and total permanent disability. So that would obviously pay out a big chunk of any debt Yep. that's outstanding. It will cover your income for a couple of years as well if something obviously were to happen to you. So Yeah. I have recommended one pass again for you. So I know you currently have a live policy with them, Yeah. but I have recommended to cancel that one and apply for Yep. another one. The reason Yep. being is that the way that I have it structured is to try to make it as affordable for you when it comes to price. So I have your life and total permanent disability linked together under one policy. What Yep. Yep. that means is that if you were to claim on TPD, it will cancel your life policy. But what I have added in is a buyback option, which is that after twelve months, your life cover will be reinstated for you. So it Yep. just means there's a little bit more affordable at having it structured Yeah. this way. Yeah. Does that make sense? Yeah. Yeah. Yep.","start_word":2205,"end_word":2728,"sentiment":"neutral","sentiment_score":0.0930574568742104},{"text":"Definitely. Perfect. Yep.","start_word":2729,"end_word":2731,"sentiment":"positive","sentiment_score":0.5164086222648621},{"text":"And I have also been able to add an income protection policy for you. Now it was a little bit tricky to see how much I could cover you for based on, obviously, your your two jobs and being the self employed and stuff like that.","start_word":2732,"end_word":2777,"sentiment":"neutral","sentiment_score":0.10688535124063492},{"text":"So the good thing Yep. is that now that you are working under someone, I can cover Yep. that income, which is good because that is a little bit higher for you and Yeah.","start_word":2778,"end_word":2811,"sentiment":"positive","sentiment_score":0.3825945556163788},{"text":"a bit Well, more the other consistent. the other thing being there too is if something does happen to me in the term of what hurting myself while I'm working for my mate, Yeah. I'll be covered under his work cover anyway Yes. rather than Yes. having to go into my own instantly going to my own income potential. That's not necessarily the case. That's Yes. more than likely only going to be an issue if I hurt myself when I'm working for myself. So yeah. That And, sort also, it's also it's also if any illness happens. So income protection is not restricted to if you're just at work. of It's yep. if anything were to happen. So if you have any illnesses or injuries Yeah. Like, or anything that that's the thing. Yeah. That's that's what I was thinking. Like, because Yes. I I was talking to one person that said, why would you bother getting income protection if you're gonna be working for someone to be under work cover? And I said, yeah. But what if I bloody break my Yeah. leg on the weekend when I'm out on the horse? Ex And they're exactly. like, oh. Yeah. Yeah. I said, tell you I said, shut your mouth, and don't tell me how to lift my arm. Yeah. 100%. And that's exactly like, if you or if you're in a car accident or, you know, you take up a snowboarding or skydiving or whatever it might be and something woulda happened and you break your leg, You never know. But, basically, that's that's exactly right. So anything any illness or injuries or anything that happens that prevents you from working, that's when the income protection would come in. So with the income protection, I've been Yes. able to do a monthly benefit of about 2,552. That would obviously give you a little bit of an income. It can't cover everything, but it still gives you a bit of an income as a buffer Yeah. if something were No. to I happen. guess. Yeah. Yeah. Yeah. Yeah. Yeah. Now the good thing with OnePath as well is that I have done the thirty day waiting period, so the lower end. And I know as well that having another thirty days in arrears is important to you because, obviously, waiting sixty days is is quite long. So Yeah. the good thing with OnePath is that only OnePath and another provider, Zurich, offers this, everyone else does the thirty days, is that they actually only pay fifteen days in arrears. So that means that Okay. instead of waiting sixty days, you wait forty five days. And Yeah.","start_word":2812,"end_word":3258,"sentiment":"neutral","sentiment_score":0.01583885896525927},{"text":"there's no additional charge. It's just kind of built in as a benefit. So that is a really good thing.","start_word":3259,"end_word":3278,"sentiment":"positive","sentiment_score":0.5709566473960876},{"text":"And with OnePath as well, most insurers only do two years, five years, or age 65, but one path actually does six years.","start_word":3279,"end_word":3301,"sentiment":"neutral","sentiment_score":0.31940916180610657},{"text":"So you basically get another year for for it, which is great. So I've been able to cover you for for six years if something were to happen, Yes. which which is good. And a feature of the income protection as well is that if you are unable to work, it will still continue to pay contributions while you are on claim into super for you, which is good. Now all of these three policies together, you do get a 15% tax rebate.","start_word":3302,"end_word":3384,"sentiment":"positive","sentiment_score":0.445969280708267},{"text":"And after that's been taken out, the total premium is 1,676 for all three per year.","start_word":3385,"end_word":3400,"sentiment":"neutral","sentiment_score":0.2672436833381653},{"text":"Correct. Which, yeah, which is not too bad, and that was factored in through, you know, all the math and everything as well. It's all factored Awesome. in there for you.","start_word":3401,"end_word":3431,"sentiment":"positive","sentiment_score":0.5337450504302979},{"text":"Now how Yeah. do insurance work as well is that each year, as you get older, the insurances will become more expensive. Yep. So it is important to keep reviewing them because your needs might change. You might not have as much debt eventually. And Yep. the closer you get to retirement, you might not need as much cover. So it is something Yep. that at every annual review time, we do assess with you to see if we need to make any changes, which is, you know, nice and easy. It's not a set and forget thing for you. So it is important. But at least in the meantime, you will do have, you know, pretty good idiot protection in place if something were to happen to you. Yep.","start_word":3432,"end_word":3561,"sentiment":"neutral","sentiment_score":0.1026402786374092},{"text":"Awesome.","start_word":3562,"end_word":3562,"sentiment":"positive","sentiment_score":0.34008389711380005},{"text":"Yep. Yeah. That's cool. But just pay the month. So Yeah. Exactly. yeah. Both for you and your family, you know, Yeah. if something were to happen. Now, Exactly. basically, everything I've just gone over with the insurances, again, is all outlining words and everything in the SOA for you so you can kind of have a read over it when you have a moment. Yep. The last thing I do wanna mention before I let you go, Caleb, is just in regards to the remuneration. So if you are happy to go ahead with the recommendations, they're obviously changing everything for you in Hub twenty four, moving you to to that SMA, Yep. and changing your investments and applying for insurances, there is no additional fees and charges for you. Yep. So the advice fee stays exactly the same at 1.65% from Super. So no changes or anything. All of this is that we've done.","start_word":3563,"end_word":3718,"sentiment":"neutral","sentiment_score":0.2051706348474209},{"text":"It's just part of our ongoing service for you.","start_word":3719,"end_word":3727,"sentiment":"positive","sentiment_score":0.3952445387840271},{"text":"The last thing I do wanna mention is that with insurances, we do get commission. So we get 66% of the premium upfront, Yep. 23% ongoing. Now Yep. that is the insurer paying us, though. It is not you paying us. But Yep. for compliances and to make sure that you are fully fully aware of everything, any commissions we receive, we have to disclose so that you are aware of them. But, again, Yep. it is the insurer paying us. It is not you, and it's the same for every single insurer out there. So it does not pay us in any way to recommend one provider over the other. Does that make Yeah. sense? Yeah. Yeah. Yeah. Yep. Yeah. No worries.","start_word":3728,"end_word":3850,"sentiment":"neutral","sentiment_score":0.03877638280391693},{"text":"Great. Perfect. Now that was basically most of the recommendation for you.","start_word":3851,"end_word":3862,"sentiment":"positive","sentiment_score":0.4854826033115387},{"text":"Do you have any questions otherwise for me at this point? I know it's a little bit Nope. tricky if you can't see it, but does it kind of make sense? Yeah. Start that for them. Yep. Yeah. Yep. Yeah.","start_word":3863,"end_word":3902,"sentiment":"neutral","sentiment_score":0.013494283892214298},{"text":"Perfect.","start_word":3903,"end_word":3903,"sentiment":"positive","sentiment_score":0.37582507729530334},{"text":"So, basically, from here, Caleb, is obviously when you have a moment, have a read through the document. If you have any questions when you read through it and you wanna have another catch up, just let me know, Yep.","start_word":3904,"end_word":3943,"sentiment":"neutral","sentiment_score":0.22166022658348083},{"text":"and I can always book you in for another discussion to go over any questions that you have. If you do have a read over it and it all makes sense and you are happy with the recommendation, the step from here would then be to sign the documents, and you can do that by clicking on the link where it says sign out.","start_word":3944,"end_word":4007,"sentiment":"positive","sentiment_score":0.3349103033542633},{"text":"It will Yeah. ask you to add your signature and a date. There is also a text box where if you do wanna make any changes to any of the recommendations, you can actually type it out. Or if there's no changes, you can just do NA or full stop.","start_word":4008,"end_word":4057,"sentiment":"neutral","sentiment_score":0.19933244585990903},{"text":"And then once it kind of loaded, it'll come back to me, and that tells me that you are happy to go ahead.","start_word":4058,"end_word":4080,"sentiment":"positive","sentiment_score":0.355657160282135},{"text":"And I will let the team know, and we can then start the rest of the process. No worries. So I will leave that with you to obviously have a bit of a read over it. Let me know everything, and I will let the team know to get those beneficiary forms expressed posted to Yeah. you as well. Yeah. Just one Yep. one quick question would Yes. be so, obviously, my life insurance and my super are two different things. Correct. So, yeah, it might even it might even pay for when you send the beneficiaries out, would that be two forms? So one will be like, will I dedicate my life insurance to go and will I dedicate my super to go, or do they all have to be broken down into the one the one beneficiary sort of thing? So, yeah, it's a very good question. It is two forms. So one will be for your superannuation. One will be for your insurance. Yeah. The Yeah.","start_word":4081,"end_word":4249,"sentiment":"neutral","sentiment_score":0.12962110340595245},{"text":"only Awesome.","start_word":4250,"end_word":4251,"sentiment":"positive","sentiment_score":0.35612809658050537},{"text":"thing is because you because your one pass isn't enforced yet, Yep. I won't be able to issue those documents for your life insurance and TPD insurance just because it's not we haven't applied for it yet. Yeah. It's not actually it's not Yeah. actually Karen. Yeah. Yep. Correct. We can still send you out the hub 24, though. And then if you're obviously happy with your one part insurance, as soon as Yep. we've applied for it, we can then send you those forms, and that is a separate nomination. So what you can do if you want, some people do the same split across both, some do different, some through one person for super, another for insurance because it is different. So you Yeah. basically Yeah. Because get get it's like it through. because my life insurance is so much more than Yeah. Yes. what I have in super, I would probably Yes. just leave my super 100% to my partner. And then Yeah. more more or less of the Yeah. Yeah. life insurance Yeah. for my kids rather than that. So, yeah, that's what I'm thinking at this stage. But, yeah, no worries. Yeah. If you send Yeah.","start_word":4252,"end_word":4452,"sentiment":"neutral","sentiment_score":0.08276888728141785},{"text":"those You can forms definitely out, that'd be fantastic. yeah. Perfect. I'll get the team to express post those tomorrow for you.","start_word":4453,"end_word":4474,"sentiment":"positive","sentiment_score":0.5749895003708926},{"text":"If there's anything else that you do need, though, at any point in time, don't hesitate to give me a call or or send me an email. Okay? No worries at all.","start_word":4475,"end_word":4506,"sentiment":"neutral","sentiment_score":0.16761958599090576},{"text":"Thank No problem at all, Caleb. I hope you enjoy the rest of your afternoon, and I look forward to speaking with you soon again. you. No worries. I will do it, and you too. Enjoy your afternoon. Thank you so much. We'll speak soon.","start_word":4507,"end_word":4551,"sentiment":"positive","sentiment_score":0.6697595715522766},{"text":"Bye. Okay. Bye.","start_word":4552,"end_word":4554,"sentiment":"neutral","sentiment_score":0.14364466071128845}],"average":{"sentiment":"neutral","sentiment_score":0.1556847865850483}}}}